$60,000+ For New Boobs | Financial Audit

What's it like to be God's favorite? >> Good. There's also some discipline in. there. >> What happened a few days ago? >> What happened a few days ago? What do. you mean? >> Me. You got evicted. >> I was trying to make a decision and you. don't like it. That's fine. >> I don't like it. Math doesn't like it. >> Whatever, dude. Okay. So, I know. I. know. I know. You get. >> the tools to change your life have just. been upgraded. Download my budgeting app. rebranded to Dollar today and start your. free trial. Sign up for the annual. version and I'll send you my budget.

friendly cookbook that can't be. purchased anywhere else [music] and I'll. personally sign it and mail it directly. to you. Download the Dollar Wise. budgeting app today and take advantage. of your free trial. >> Hi, I'm Bianca. I'm 31 and I live in. Austin, [music] Texas. >> And this is Financial Audit. >> This sir is then thanks for coming over. to Financial Audit. It's rare to get. someone in Austin these days. We just. get people from all over the country. But I appreciate you taking the drive. in. Um, so what do you do here for a.

living? >> I'm a bartender. >> at 31. Okay. [laughter]. >> Well, it just sounds like more of a. temporary job unless it's like great. income, right? >> Like 3 years. It's more money than I was making. before. >> Okay. Yeah. Again, I mean, it all comes. down to the financial, right? If we're. just talking about like the perception. of it sounds like more of a temporary. job, but if it's not, if you're able to. do it forever and you're making a let's. go, right? Yeah. >> So, what are you making? >> Um, I bring it. So, I just started this.

job now at about 2 months ago. Um, it's. about 950 a week after taxes. >> Okay. Actually, that in Austin times. that by 52, divided that by 4, we're. talking net 4,1. 17 blocks. >> Sounds about right. >> on average. Okay. So, Austin, Texas. Listen, I mean, rent's gotten better in. Austin cuz we actually build things in. like other places. It's no longer the. most expensive city in Texas when I. started the show. How you doing? Cuz.

that should you know that should be a. pretty you should be doing you should. you should be surviving. You should be. doing a little more than surviving. >> Um yeah, I'm scraping by. I my rent is. pretty reasonable. Um it's all of the. debts that I acrewed over the last few. years. >> Few years. But you said you've been in. this job for three years. >> I. >> which is a better paying job than you've. been in. >> Yeah. Well, I also have. Some stuff happened a few years ago and. then I just racked up all my credit. cards and now I have to pay for them.

>> What happened a few years ago besides. the boob job? >> Uh [laughter]. bad breakup. So then. >> and that's why we got the boob job, right? Okay. >> No, I got the boob job before. >> Oh, >> but like two months before financed that. and then also bought a car and a hot. tub. >> Bad breakup equals hot tub. >> Well, I bought No. Okay, so that was. before the breakup. I bought a hot tub, financed that, got a boo job, financed. that, and then also bought a car. So, I.

signed up for. >> hot tub. What do you have a house? >> Um, I did. I don't have the hot tub. anymore. >> You had to sell a used hot tub. >> No, he still hasn't. >> Even though you bought it and financed. it. >> Yeah, he makes the payments on it. >> Why is your tongue doing this in your. mouth? >> I'm nervous. [laughter]. >> Okay. I've just never seen a person do. that before. >> Okay, fine. What's up? >> It's okay. I was just curious. I was. like, what's going on in there? Like, >> what do you mean by that? Okay. So, you're saying a a lot of this. has to do with the bad breakup, though?

>> No, I financed all of that when I was in. a better financial position because. >> because of the breakup. >> And then the breakup. >> So, you relied on his income heavily. >> No, I was paying for it, but like my. expenses were not as much as they are. when I have to do it all on my own. >> Cuz you were relying on Yeah. him to. split bills and whatnot. >> Yeah. Okay. Yeah, I guess. >> So, yeah. So, when was the breakup then? >> May of 22. So why wouldn't you adjust. within 3 years over at this point 3. years over 3 years the fact that oh. bills are a little more expensive?

>> Um well we had like a really nice house. and so I had to change my lifestyle and. I didn't want to do that. I thought I. could afford more than I did. >> What did you think you could afford? >> I don't know. Uh. >> you don't know. >> Well, I knew that I could afford. >> What was your job at that time? [clears throat]. >> Well, I was still in tech at that time. >> Tech's usually money. But you're saying. you're making making more as a bartender. now. >> Okay. So, I was the first tech job I was. only making like 36K a year and then I. started another job I was making about. 65.

>> Don't yell at me. >> You're not scraping by. I just got a. note. Y. Okay. Hey, what happened a few. days ago? >> What happened a few days ago? What do you mean? >> In your own personal life, you don't. know. You got evicted. >> She asked me to leave or get rid of my. dogs and I was like, "Well, I'm not. getting rid of my dogs.". >> So, it wasn't a financial thing. >> No, it wasn't a financial thing. She. didn't want the dogs there anymore. >> Okay. So, that's all of a sudden going.

to put you in a weird situation, right? >> Yeah. >> What is your living situation about to. be? >> Um, so I just moved into a different. place. Um, >> okay. >> Same area. >> Rent stayed the same. >> Cheaper. >> Okay. >> So, that was good, right? >> Guess that's not bad. I guess. >> it's like $300 a month cheaper. >> I It sucks to move. >> Yeah. And make deposits every couple. months. >> Well, that sucks. And it's still. expensive to move specifically, but. >> Okay. So, what is going on right now? What are we talking about?

>> Um, the main thing is I feel like I'm. scraping by because I'm trying to pay. off all of this debts most. >> Why did you acrew the debt specifically. in your own recollection, your own. what's going on in your life? You know, >> after my life fell apart in 2022, I just. was trying to go out and have fun and do. things. >> And you're not anymore. >> Um, I still do a little bit, just not on. credit cards. >> Not on. You don't spend anything on. debt. >> What the other What the. >> Can't put anything other. We had $3,823.

All your credit cards are in. collections. >> Yeah. >> Is all your debt in collections? >> Not all of it. A lot of it though. The. big ones. Why? because I wasn't paying. on it because it racked up so much that. I couldn't even make the minimum. payments. >> I mean, going out to eat alone was $500. last month, but again, other large. purchases. >> was almost $4,000. >> 500 is less than I thought it would be, actually going, >> right? And that's you fixing it. That's you getting it under control,

>> I guess. [laughter]. >> Okay. Well, you had a miscellaneous bull. at $300. >> Miscellaneous bull. >> Yeah. Just like it could be I don't even. know what it is yet. It could be Spotify. premium. It could be Xbox games. I don't. know what you do. I haven't been through. your. >> money. I do know outside of bills. >> We know you got $30,000 of bad debt. >> Yeah. >> Yeah. Oh, okay. And then Okay, sure. Maybe it. wasn't a technical eviction, but it. looks like you owe two previous.

landlords a ton of money. >> Yeah. >> For what? >> Um, those were also dog related. >> What are you doing with these dogs? What. are you talking about? I've never had an. issue with one of them. Yeah. Well, one. of them I got when he was eight and so. and he was not like super well trained. Um like he's sweet, but he he likes to. eat holes in walls. >> Well, that's not good. I don't think if. you. >> and. >> if it's not your property. >> Yeah. No, it's not ideal. >> We could also do training.

>> Mhm. >> How many times have you moved this year? >> Three. >> This year three times. >> Yeah. So, I was in my first apartment. I. mean, I moved in in January and then. moved into the house that I just moved. out of. >> cuz that can't be cheap. Having to. constantly move all your How many dogs. you got? >> Just two. >> But one just endlessly destroys things. >> He has anxiety. >> Great. So, he needs to be kennel chained. though. That's on you. >> Well, I put him in a kennel at one. point. He broke out of it. >> You have to get a better kennel. This is. on you. You are the dog owner.

>> I know, but I looked into a better. kennel. The like indestructible ones are. like $1,000. >> Yeah. And how much have you spent on. moving this year? That's. >> Shut the up. >> What do you think? >> I don't want to put them in a kennel. If. I'm. >> want to, then you can't manage them. correctly. Then you are not a. responsible dog parent. >> Okay. You haven't met my dogs. >> Uh, but you've been kicked out. constantly because they're chewing holes. in walls and you're not able to either. train or sedate or get any kind of. kennel training. Kenno training, you.

don't want to. Kennle training is. actually a very healthy and normal good. thing for a dog. kennel training, >> but it's [clears throat] where they view. it as kind of cruel to have a. 12-year-old dog that has never been in a. kennel and then suddenly put him in a. kennel. >> Okay, first of all, you said eight. >> Well, I have an I have an 9-year-old and. a 12-year-old. >> And the 12-year-old's one that's. breaking the world. >> Yes, I got him when he was eight. >> Okay. And it's unfair to keep moving. them and them potentially eating. dangerous, hazardous materials by. chewing in the wall. That's a good. thing. >> I mean. >> I mean, my dog, I've had to do like.

three surgeries cuz she keeps eating. things that dogs shouldn't eat. And she. has to wear a muzzle when she's not in. sight of me. Direct sight. >> Well, that's humane of just keeping her. alive. >> Okay. But I also don't want them getting. hurt when they're getting if they're. able to get out of the kennel. >> They wouldn't be in that good kennel you. just talked about or have a dog sitter, something. >> Okay, but that Okay, >> you're right. You probably couldn't. afford that, but you have to do. something. All you've done is just given. up and you just allow them to destroy. every apartment you're in. And clearly. that is not an option that is working.

trying to like spend a lot more time at. home, take them out more. It's. >> no matter what you work. >> Yeah. >> And bartending is that remote, >> right? >> So, you will be leaving the house. regardless. How many hours a week do you. work? >> 40. >> So, spending more time at home is you're. just saying you're not going out and. hanging out with friends as much, which. is you have 40 hours a week at work. >> Well, yeah. I mean, like I work long. days Saturdays and Sundays, but Monday, Tuesday, I'm off with them. I take them. out. >> Congratulations. YOU STILL HAVE 40 HOURS. A WEEK AT WORK THAT we are not actually.

fixing. >> Okay. So. >> So we're going to move a fourth time. this year here in a little bit. >> I hope not. >> Well, with your pattern probably. this is irresponsible dog parenting. and it's irresponsible tenitine. >> Okay. >> You disagree? How? You're getting kicked out of places. endlessly left and right. >> Okay. Well, >> you're definitely not in a position to. buy property. That's for sure.

>> Oh god. No. They didn't used to. >> care if their walls got destroyed. >> No, no, no. They didn't used to do that. Like when I had like chew through walls. >> Congratulations. They do now. And you. have to figure it out. >> Okay. I will. I just. >> You haven't. No. You've been kicked out. moving place to place. >> Okay. Well, yeah. Well, maybe I'll just. fix it now, I guess. But they. >> It's also hard to get them out and like. get their energy out when it's a. thousand degrees out here.

>> And yet the rest of us do it. >> Okay. Well, >> guess who else has two dogs? Large dogs. Very energetic dogs. In fact, the breeds. that need to run and zoom and go crazy. >> Okay. But like it's also really hard to. like get them out to a place. Like, as. you will see, I do not have a vehicle. So, >> you can Uber in with dogs. We've done. it. >> I know. I And I do that with um whenever. I can. >> There we go. I've solved your issue. >> It's also more expensive to Uber with. dogs. >> It certainly is. But you have no method. of transportation. Shut the up.

>> Okay. Well, I'll take them. Fine. I'll. take. >> So, you're just incapable of doing. anything cuz all I hear is I can't. I. can't. I can't. I can't. >> Okay. When I'm like running out of money. to like I'm like I have to Uber. >> Why are you running out of money? every. if everything's in collections, your. minimum payment should be relatively. low. >> Well, I'm paying everything. So, I it's. like a debt relief thing. So, I pay all. one payment. >> That's different. What's that payment? >> $5.44 a month. >> Okay. So, that's still You're totally. fine. $4,116 a month in net. What the. What's your issue? What's your rent.

number? >> 875. >> Shut the up. What is your problem? >> Paying deposits. >> Again, it's I can't I can't I can't I. can't on everything. That's all you are. >> Yeah. I mean, I do know that most of my. money goes into like going out and like. having drinks. >> Uh-huh. Now, if a lot of this occurred. because you wanted to live the same. lifestyle that you're living with this. guy before you guys broke up, I mean, that means we were probably splitting. things. Where how far were you in this. relationship if you were this splitting.

of bills and finances potentially. combined and whatnot? >> Four years we were engaged. >> You were engaged? >> Yeah. >> Engaged and it ended. Who ended it? He. did five months before the wedding. I. don't know. He's I don't know. >> Oh, come on. No. For what? >> I I honestly and stuff all the time. So. like I. >> So because you were miserable to be with. >> or he was miserable to be with or he was. miserable being around you. I don't. know. >> Miserable to be with. >> Okay. But you guys were fighting all the. time and he left. >> So he may have found it whether or not.

he was correct or not. Miserable. >> Yeah. He's a miserable person to be. So. he won't be miserable with anybody. >> Yeah. I mean, I'm sure you're a little. petty that someone broke up with you 5. months before marriage, so it's a little. hard to take take your word as 100%. truth. >> Okay. Well, I have the screenshots to. prove it, but whatever. >> Again, it's the ex employee that gets. fired that always comes out and says the. business they worked for was trash. >> Okay. >> Not the person who leaves their own. will. >> I try to make it work. I bought a hot tub.

I thought it was working. I thought it. was going to be fine. I wouldn't have. bought a hot tub to put in a house that. I didn't own. But he wanted a hot tub and I had at the. time had better credit. cuz I didn't have debt. >> Okay. >> What was your dad even going into? >> Um the reason that all the credit cards. were maxed out was because I was going. out a lot more than. >> Was it cope? >> What. >> was it cope? Oh no. My fiance that was. about to marry me. >> Yeah. >> You're still coping. Look how you just.

talked and then you said you had proof. and then you didn't give us any proof. Look, I mean, this is I feel like you're. still. >> I'm not going to pull up screenshots of. past texts from an ex, but. >> you can not believe me if you want, but. >> No, it's not that, but it's like, are. you the reliable source, right? Again, is the ex employee that got fired. essentially. >> Okay. >> So, again, I don't necessarily need. that, but if if we're having this. conversation, we're talking about how my. life fell apart after the breakup, but. oh, he's the piece of even though he's. the one that chose to laugh. It's like, you know, I'm just trying to get a.

little nuance in the conversation. Okay. >> I understand things. It's not like you. are required to show. I'm not saying. that. But then like, you know, what is. my mind supposed to believe, right? >> I mean, I'm the one sitting in front of. you. You can believe me or you can. believe this person that you've never. met. >> I I don't even know what he would say. What am I believing? He would say. >> he would he would be sitting here saying. that, "Oh, she's crazy." And then he. would also make up all this about. >> But he is still the one who chose to. leave. >> Yeah. And then even after the breakup, he told everybody's like, "Yeah, she got. all of our wedding back our wedding. money back and got her boobs done." No, we got nothing back. We got zero pennies.

back. >> Oh, and you got your boobs done? >> I got my boobs done before we broke up. >> Like right before? >> Like 2 months? Yeah, 2 months before. And I financed that. >> Were you guys just not like on the same. page in life? >> I was a little caught off guard, so. like like I knew we were fighting, but I. was like, "Oh, well, like we're. engaged." It didn't seem anything. abnormal. You never been yelled at in a. relationship? >> Yelled at? >> In a relationship? Yeah. And. >> yelled. I've also never yelled in a.

relationship. >> Okay. Well, congratulations. You're one. of the special ones, I guess. >> I I don't I don't think so. >> You've never yelled? >> No. >> Okay. >> No, I have very appropriate. conversations. in heated arguments when I'm dating and. love someone and it's not in this show. >> Regardless, my. I made I made financial decisions and. then got out of that. And. >> now, how much did you guys lose not. going through the wedding? >> About 10 grand.

>> Out of whose wallet? >> Both of ours. >> Well, I split down the middle. Five. >> Yeah. [clears throat]. We've started working. We were both in. tech and started bartending on this. side. So that. >> is a part of that in collections. >> No. >> Now, if someone's response to being. broken up with an engagement thing, which don't get me wrong, I know I'm. being a little hard on you right now, but I I would be torn up, too. I'd be. very sad. The only reason I went hard on. it is because after he broke up with. you, you were like, "He's the piece of. like uh but either way, that's the only. reason I went hard to be clear." So, you.

cope spend drinking, going out. Is being. in a bartending setting the appropriate. place to be in for the last 3 years post. breakup if that's where you also cope. spend and exist? >> Well, it actually makes me want to go. out less. >> Okay. I mean, at first I was going out. to cope, but. >> Now, what is this note that I have that. paid for her ex's trip to Mexico right. before your ex broke up with you? >> That was for his birthday. >> Whose birthday? >> His birthday. >> So, the ex- fiance? >> Yes. >> You paid for his trip right before he.

broke up with you? >> Good. Yeah, a good chunk of it. >> That's That sucks. A good chunk of it. How much did you spend on it? >> I spent between the two of us, I spent. like about. 2,000 between like fights. I mean it was. >> Where you going? >> Cabo. >> big boobs and Cabo hand in hand. >> It was right before the boobs. >> At least you won't sink. >> So before getting in these finances, you. know, a big part of this conversation I. have to feel like is like you have no. way to get around and we do not live in. a walkable city by any means and the.

public transportation is a little iffy. I know what part of town you live in. Like you have access to some bus lines, even one train line to downtown. But. even still, what what like how are we. getting around places? this. What are we. spending on this? Have you tried to get. a car? What's going on? >> Yeah. So, I Uber everywhere. Um, my. boyfriend will pick me up and do help. out anytime that he can, but he also. works two jobs. So, >> and if he leaves you, is he a horrible. piece of. >> No, he's great. >> until he leaves. >> He's if we were to break up, he it would. probably be on me. But, um, see, I'm a.

reliable source. But, no, so I Uber a. lot. >> What? [laughter]. >> I Uber a lot. He helps me out when he. can. Um I don't want to rely on that. So. like if you're looking. >> Does he help you out? >> Um at least a couple times a week trying. to get to work and then if like when we. both have a day off, he comes and picks. me up and then we go hang out and then. he brings me home. >> Okay. And how much you spending on Uber? >> A lot. So all like in my bank statement. So my Uber comes out through my Venmo.

and so everything that says Venmo is. pretty much all Uber. >> Okay. And when's the last time you had a. car? Do you want a car? What's the. >> Yes, obviously I want a car. Last time I. had a car was about a year ago. I. couldn't make the payments. >> It got repoed. You got. >> Yeah, it was like $65. >> That's why I went down this. conversational train. >> Okay. Well, >> oh, for sake. I knew the fact that you. didn't have a car. I knew there had to. be a reason. Listen, in Austin, everyone.

has a car. Oh, for sake. What happened? >> I know a lot of people that don't have. cars. I know one person, but okay, different. lives. That's fine. Okay, it got repo a. year ago. Well, you're three years into. your better paying job. What the. happened? Cuz this is all this. >> I mean, that sucks the credit score. It. makes it really hard to get approved. >> But what happened with this repo? >> I couldn't make the payments. What do. you think happens with the repo? >> I'm asking why cuz you were still making. about $4,000 a month because I was also. trying to pay off other debt and so to.

like try to. >> Was that during the consolidation? also. >> not the consolidation. The debt relief. program. >> that was before the debt relief program. >> What was your minimum monthly payments. at the time and your debt? >> Um I don't remember. It was a lot and it just like kept. occurring interest. Now that it's in. collections, it's not occurring. interest, right? I don't think it is. So yeah, I was. trying to make the payments and then I. also had still had like my apartment. where I have lived has gotten cheaper. progressively like consistently over the.

last 3 years. Like I'm in the cheapest. place I've lived cuz I've had to have a. humility check and go a little. >> Have you tried to apply for any car. loans or anything? >> Yes, so I did like a month ago and they. I mean obviously with repo and like bad. credit it's going to be difficult. And. then they had one, they tried for like. seven banks. One approved me somehow and. then as I was waiting on the paperwork, the bank, they came back, they're like, "Oh, the bank pulled out." And I was. like, "Why?" And then they're like, >> "Because you're way too risky of a.

borrower.". Their reasoning was because I had spent. too much money the month before. And I'm. like, "Oh, well, that was when I moved.". So, I made like $1,700 in deposits and. paid rent. >> So, like I spent like 38. >> Why did you go back a month later? That's the plan is to do that. >> This just happened. >> Yeah, that was like a month ago. >> when you got approved and then what were. you approved for? What did that loan. look like? >> It was the car was like 20K and the. payments would have been like 500. >> Oh, I just sold the payment term like 8.

years. Okay. Interest rate. >> Uh, we did not get that far. >> Oh, I Well, what's your credit score? >> Bad. >> What's your credit score? >> Probably like 580. >> Okay. Her interest rate is going to be. like 20%. WHAT ARE WE DOING? HEY, you. make a strong. >> Hey, like I'm going to like it's better. than Ubering everywhere. >> to a point. Not necessarily. You make. money while your overhead is relatively. decently low. You could save up and get. a $10,000 car, $5,000 down on a $10,000.

car. >> Okay. I have to have something safe. Like I have to have something safe. >> Huh? Yeah. That's why I said a $10,000. car, not a $5,000 car. You. >> But like a not not as new car. Like I'm. always worried about breakdown. I don't. know about cars, >> buddy. My 2018 Jeep Cherokee, very good. car. Stellar condition. No issues. whatsoever. Is valued at $12,000. You. can get a $10,000 car. >> All right. Well, then sell it to me. >> No, I gave it to my brother. >> Okay. >> Yeah, I like him more. Who would have. thought? >> Okay. Well, he sounds lovely. But.

anyway, couldn't get approved for the. car. I don't even know what the interest. rate would have been because we didn't. get that far in the paperwork. So, I'm. going to try to do it again. But the. reason that. >> up to 20, by the way, you're borderline. subprime. You're a subprime borrower. >> Yes, I know. I knew it was going to be. risky. I didn't even really want to do. it cuz I didn't want all the hits on my. credit even further. But the reason they. said is because I spent too much money. the month before with like all the. deposits and everything. And I'm like, well, yeah, I just moved and so I'm. going to try to do that again this. month, maybe next month cuz I just moved.

again, but I didn't pay nearly as much. And. >> Oh, you are subprime. No, you're. subprime. Yeah. Listen, with them being. the only one that accepted you, this is. going to be a predatory rate and they. wanted that term to be as long as. possible. So they could just acrue that. interest. >> But if I can get a even if it's a. longterm, isn't that better than not. having a car at all? >> At 20%. No, you'll probably save more. money on Uber and saving up as much. money as possible, putting $5,000 on a. $10,000 car and then aggressively paying. off that second,000. Listen, and you'll. probably get a used car. You're sitting. at right around now what we're seeing.

with Vantage Score in the first quarter. of this year, you're likely at a 19%. interest rate. That's what we're seeing. on average for someone with your credit. score. 19%. That is double the returns you get on. average in the market. All up years and. down years combined. I'm going to let you know uh summarize. what that means. >> Okay. >> That is then you almost did that 20,000. >> Okay. Maybe that wouldn't have been a. good call, but I still think it would be. better than not than have an Uber.

>> Oh, how make that make sense to me. Well, first of all, like if I don't have. enough money, like if I I get paid every. week and then if I don't have any money. to Uber, then I need a car to get to. work. >> But you're able to make it work right. now. How far away are you from working? >> It's like 12 minutes. MAYBE LIKE. >> BIKE. >> OKAY. Down 35. Hell no. >> No, but I've seen people bike through. the neighborhoods. Come on. You can. >> But then I don't want to bike up at. night. >> So you're likely at a 60ish. month loan. You're you're probably at.

like a 5 to six year loan. You're going. to be paying a total of $32,000 on this. $20,000 hour car. It's horrible. Are you. by the time you save up $5,000 spending. $12,000 on Uber? I doubt it. That is the. math difference that we are doing. >> Okay. I appreciate the man explanation, but like I. >> That's not manplaining. That's math. explaining, you dumb. >> Okay. Well, I was trying to make a decision and you. don't like it. That's fine. >> I don't like it. Math doesn't like it. I.

Who gives a about me? Matt doesn't like. it. What's your average Uber cost to and. from work? >> Um, one way is like 12 or $13. >> So, it's like $25 a day, five times a. week. >> Uh-huh. So, that is 480. >> a month. >> Trips. >> 480 trips. >> 480. Oh. Per. >> and you work how many days a year? How. many days a week? Sorry. >> Five. >> Okay. So, there's 96 weeks. But that's.

not also the that's not the only place I. have to go. >> That is 2 years worth of Uber trips. I. know. But the also the boyfriend steps. in. So I know you don't Uber to and from. work every single time cuz the boyfriend. also steps in. That's probably about 3. years of work trips. I guarantee you. with your income and your overhead, we. can get to 5,000 hours saved up well. before then. Well before then. And I'm. sure we can prove that in the end. >> Okay. But. >> that is the math difference. Not. mansplaining. Well, I also like a he's not able to.

take me as much anymore cuz he just. started a second job. And I also don't. want to rely on still is. It's not. relying. >> I don't want to rely on [clears throat]. I have a girlfriend. She's not relying. on me. I like to help her out. She likes. to help me out. I'm not relying on her. >> That's not relying. What is this? You're. not milking someone. Just cuz you got. mommy milkers doesn't mean you're always. milking someone. >> That's how I got the boyfriend. [laughter]. >> Some of them like him fake. Some of them. like him fake. And you're likely you're. lucky they can't repo those. So. >> it's the one thing they can't take from. my account. [laughter] Just cut them out.

of me. [sighs]. >> That's why I stopped making the. payments. What do you. >> see? Can you pull up your Uber app? >> All right. What do you want to see? >> I don't really use Uber that much. Here. we go. >> Must be nice. >> It is nice. Absolutely. Bought. [clears throat] my car in cash. Saved up. for it. I was an adult. >> Congrats. >> Thank you. [snorts]. >> What's it like to be God's favorite? >> Good. Good time. >> Yeah. There's also some discipline in. there. It's how I got my Jeep before I made any.

YouTube money, which was much more. expensive than I think it was like 25, 26, 27,000 few years ago. >> Listen, I made some bad financial. decisions when it came to credit cards. And. >> speaking of which, the most recent thing. on here is seven items being Uber eaten. to her house from Taco Bell. >> Yeah. >> Yeah. You that's a bad financial. decision right now. Okay. I knew you. were going to pull that up and see that. and you were going to rent me a new one. for that. >> Well, no. >> I was hungry and I'm not I can't drive. to Taco Bell. >> Huh? If only you had a kitchen.

>> Yeah, but I just moved. I don't have any. food in there. >> You should have stopped at HB on the. way. >> I got off work late last night. >> Buddy, >> HB was closed. >> This is so stupid. When did you move? >> Sunday. >> You That was what, 5 days ago? 4 days. ago. There's more days in between then. than just last night. you. This is. excuses. It's with you. You are an. endless I can't. I can't. I can't. I. can't. And you can be on Financial Auto. by going to caleb.com/apply. Come be on the show.

>> It's a blast. >> It is. It is a good time. Uh the Uber. trips to work are a lot less than you're. suggesting, by the way. They're. averaging about 10 bucks. So that even. changes the math more. Lots of Taco Bell. being Uber eated constantly. While I'm. on here, let's see. Oh, you're a Redditor. This makes sense with your personality. >> I use Reddit the least out of all social. media. Oh my god. >> Let's see. What is she doing? >> It's a lot of the Austin Beer scene. >> Not surprised.

See her subscriptions. Apple Care Plus, Apple Music, iCloud Plus, and Peacock. The Peacock. >> Love Island is on there. >> Love Island's done. Love Island's been. done. >> I know, but there's other good stuff on. there, too. >> Okay, there it is. multiple. >> take my Hulu subscription. >> Buddy, there's trash TV everywhere. You're on one right now. >> Come on. >> It's a dream come true. [sighs]. >> Okay, let's get into these finances. But. before we get into the finances, I want. to hear what you think your financial. score would be. All of your finances,

worst to best, zero being the worst, 10. being the best. Where do you think you. stand? >> Three. >> You have collections. >> Yeah. >> If you want your hammer fin on them and. my income's not bad. >> Okay. Two. What do you think it is, >> ladies and gentlemen of financial audit? This is one of the most exciting moments. in this channel's history. You know, I've been working on building all these. educational tools, our budgeting app, all this crazy stuff over this past year. cuz that is where my passion is. We.

finally did it and now we put it all. into one program called Dollar Central. You get the premium version of my. budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. Collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? If you are struggling or you want to. learn more, or you want to change your.

life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollar.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. Dollarwise.com. Let's go. If you want your Hammer. financial score, it is free. Take the. assessment. See where you stand in the. world of finances. See where you can. improve. See where you're failing. Go to. calehammer.com. Take it. Take the score and uh take the.

quiz. And if you don't want to be like. it, guess who ends up on this show? One, don't get fake boobs. Two, download the. dollar wise budgeting app. Sign up for. the free trial. If you like it, sign up. for the annual version. Save a lot of. money. Get the budget friendly cookbook. signed by me, mailed directly to you. And if you want to also bundle it with. all of our education allin-one, the. premium thing you could ever possibly do. to change your life like over over. 50,000 people have done. Dollar wise. central. 80% off now. Go to. dollar-wise.com. All right.

>> But get the fake boobs. It's worth it. They can't repo them. >> Who likes fake boobs? I'm sorry. >> Me. A lot of people. >> There you go. It just It doesn't work. It doesn't It doesn't give the same. If you get them done, I did him. >> I don't know. I uh I've squeezed plenty. in my day. >> I'm so sorry. >> Feels like a mouse pad. >> Feels like a mouse pad. >> Yeah. >> Okay. Touching some weird boobs, >> I guess. So, yeah. Maybe you're the only. ones with real uh real real fake boobs.

Do you get them done in the US? >> Yeah, in Austin. >> Patriotic boobs. Freedom boobs. >> Yeah. >> No tear on those boobs. >> None at all. So worth it. >> Do I have a better natural rack than you. had? >> No. >> Cuz I got some titties. >> I know. >> I'm not getting a boob job, though. Okay. I see money owed to boyfriend. Did.

he pay for those? >> No. He uh he helped me out. Um. >> Okay. The producers really not want to. know how much they are. They're They're. feeding me so much boob things today. >> 10K only. >> It's all Lindsay. So many boob things. 10K. >> Yeah. >> For why? Just for fun. >> A good surgeon. I put like I financed. like eight. I put like 2,000 down. >> Oh, 8,000 in debt for boobs. Why? Why'. you Why'd you even get them? They're not. even paid OFF YET. OH,

>> THEY'RE almost They're almost paid. I. ALMOST. >> ALMOST, BUT THEY'RE NOT. >> I OWE LIKE $500. >> WHY IS THIS? WHY DID you do this? I've. wanted it since I was like 15. >> You've wanted fake boobs since 15? >> Yeah. >> For why? >> Because they look great. >> And I'm not having kids. So. >> what? >> I'm not having kids. So I don't have to. like. >> expect that. >> Yeah. After you have kids, like you. would you would want to wait until. afterwards. So I was like, well, I can. do it whenever I want. And I thought I. could afford it, but then my life got.

flipped upside down. And yeah, >> listen. I'm I'm an all I'm an all. naturatural girly. Our [clears throat]. translator, post shower, live streamer. You all know them. You love them. B Dog. or Triple B or Brandon. loves fake boobs. >> What? >> Do we have uh the the the consent for. this observation? >> No, I'm not pulling my shirt up. >> NO. FOR THIS, you dumb. For [laughter]. this? >> No, that is not why you're here. We're.

asking for consent to objectification. >> Fine. >> Are they worth 10K? >> You're You're okay with that, right? >> Do we have permission? >> I only owe 500 left. >> Worth it. >> Okay. [applause]. >> See, good investment. Oh, this episode's. going to get us in trouble. Okay, [laughter]. remember we have all the guests. permission before we film and they get. to say what we can't do before and we. don't ask it second time if they say.

they don't want to do something. Plus, we got extra permission there. Calm. down, Reddit and Twitter and Tik Tok. It's fine. >> If my parents are watching, I'm so. sorry. >> Me, too. [laughter]. >> Okay. So, what is this money owed to. boyfriend? This is current boyfriend. Current boyfriend, >> I'm assuming. Okay. So, what is what. he00. Yeah. So, at first he helped me pay a. deposit for an apartment and then. >> come on. So, you get kicked out left and. right cuz you won't train your dog or do. anything and then your boyfriend has to. come in and bail you out. >> I didn't ask him to. He offered.

>> He probably saw just that you couldn't. do it, right? Could you have done it? How would you have done it without him? >> I would have figured it out. >> I always managed to figure it out. And. then the rest. >> Okay, let's pretend you're figuring it. out right now. What would you have done. right now? I would have either found a. cheaper place to live or found cuz I was. to get into an actual apartment and live. by myself. >> Wait, so this one isn't even the one. you're in now. So you still owe him for. a previous place? >> I started paying him off on or. sake. >> Okay. So I started paying him back on it.

and then I had to move again and then. he's like we've set up he came up with. for everything that I owe him. He's like. this. >> he's tracking. How do you feel that he's. tracking? >> I knew it would be tracked. that was agreed upon or you just knew. >> and so like when I like would Venmo I'm. going to be like all right here's 100. out of the 800 or then here's now it's. up to 200. >> It won't be on camera. Can I see a. picture of this guy? >> You can roast me. He's got a mullet. >> That's okay. That's an average that I.

call them the everyman. The everyman. either has a mullet with a mustache or a. ball cap with a mustache. That is the. everyman. It is 90% of the men in. Austin. I am halfway towards every man. Oh, >> he's very nice to me. >> Well, he looks like a dealer. [laughter]. That wasn't the mullet I was expecting. >> Somebody uh said one time that he looks. like Joe Dirt. >> Yes, >> he loved that. He was like, "Hell yeah.". >> I was expecting the every man. He is uh. just in fact man. Okay.

>> He's really cool. You would love him. >> Would I? >> Yeah. >> Okay. >> He loves your show. Oh, >> he got his finances in better order. because your girlfriend's boobs. [laughter] When I told him I was going. to be on here, he was like, "Are you. sure you might cry?" I was like, "I only. cry when you talk to me about finances.". >> I You haven't been close yet. >> Huh? >> You haven't been close yet? >> No. >> Good. I never get women close. >> I could have guessed that. >> Me, too. >> I'm a sprinter.

[laughter]. >> Okay, this is a weird episode. Sorry. Very. goony episode. [laughter] Okay. And. people are going to take it so literally. out there. >> A lot more about my boobs than the car. situation. >> I know. You can tell what I'm interested. in. [music]. >> Thought you hate it. Thought you hated. fakes. >> I do. I'm just not really into them. But. it's very topical. Plus, Lindsay is this. Lindsay is a goon master today. She is. feeding me so much boob stuff into the. chat. This is like boop [laughter] boop. boop boop boop. Your boobs are great.

>> Thank you. Say worth it. Worth it. >> I think they're worth it. See, >> I love I love when it's like an [snorts]. obvious boob job, >> right? It's like what's why spend the. money if. >> I don't love an obvious BBL, though. >> Agreed. >> I wouldn't get one of those. That's not. worth the money. >> Yeah. >> Okay. So, the boyfriend, he's been. tracking the 1,200. >> Yes. >> Is there interest with this? >> No. Unless suddenly wants to one day, but no. >> Is there an agreed upon minimum monthly. payment? How is this working? >> Yeah. So, he just wrote it all out and.

was like, um, this was very recent. I It's like 65. a week. I get paid every week and so 65. a week. So 612. >> Okay. What's What's budgeting like? >> It's to pay it off in like a certain. time frame. >> Uh that certain time frame would be. Oh, so it's $282. a month, which is quite chunky. I'll be. honest, for that kind of debt. That's. like a four month payoff, five month.

payoff. That's kind of chunky. instead. of putting more money into the other. kind of debt. But okay, so what all has. he also been giving you for? Cuz it. wasn't just that apartment. >> Yeah. So the rest of it was from a trip. to Vegas. >> We went to Vegas. >> You had to borrow from him to go with. him. >> Um. well, I paid for the flights. >> Is this relationship not weird? Why. didn't he just gift it? Gift the trip. Well, because I ended up I not realize.

that a. bill was coming out right before for the. like that relatively thing and then. there was also like a hold on my card. once I got there and so they wouldn't. let me it wouldn't I don't know wouldn't. let me spend any money so he covered. everything and then just added it all up. together to add to the 800. >> So he paid for everything. >> Okay. Okay. It's weird. Well, how long. have you guys been dating? It's a weird. relationship. >> About nine months. >> I'll call him in the post show. Nine.

months. Okay. So, that's why I was going. to say, listen, if you're going to move. out and he's getting your security. process, time to move in together, but. nine months. Okay. You know, maybe we're. not ready for that yet. >> Yeah. >> You know, maybe we are. Some people move. quicker, some people move uh slower. Actually, I've, you know, it's a weird. situation, but my girlfriend and I moved. in um really quickly and it. >> I moved in really quickly with um the. last person and I won't do that again. >> Yeah. But you guys did do 5 years and he. wanted to continue to make it work. He. just didn't like you. >> Can I call him in the post show?

>> No. >> Okay. >> Money owed a friend. Why does you owe. your $800? >> 700. And it was the same kind of thing. as the boyfriend, but earlier. >> trip or the. >> No. So, because I know this, you get. affected endlessly. Not even this. And. then you refuse to take care OF THE DOG. NOT ONLY THAT, BUT THEN EVERY TIME YOU. MOVE, YOU HAVE TO BORROW. OH, COME ON. THEN HOW MANY TIMES are you moving? Because every. >> two times the most expensive one. >> How many times are you moving? >> The most expensive one. I told you how.

many times I've moved this year. >> This year? This year? I'm talking about. in general how frequently you have to. move. >> Before that, I lived in an apartment for. a year. Before that, I lived in an. apartment for about a year. >> But then you instead of actually fixing. the actual problem, it's just this. endless cycle down. And it ends with. borrowing from people close to you. Your. friend. Your friend. You don't want to. borrow from a friend. >> I know. I didn't want to, >> but you did. >> I know. And you still owe him. >> How many months later? >> I don't remember exactly when that was.

>> What is the agreed upon payback with. friend? >> There was We didn't really like. >> Oh, sake. Why, dude? Come on. Why not at. least establish something out of any. kind of responsibility or respect for. your friend? >> I know. That's like those two things are. the most like out of the debts that I. owe. Obviously, I need to get things out. of collections, but those are the most. important things that I want to take. care of first. >> Then why haven't you? You make an okay. income for relatively low overhead. I am.

confused why you have not paid them off. This doesn't make sense. This is not. stacking up. >> I also don't feel like I spend that much. money on stuff. >> That's a good question. Let's see. How. much money did you spend last month. >> total? I mean, including Ubers and. everything. I don't know. Probably. Okay. >> Total across the board. like with rents. and everything. 30 34. maybe. What? >> 3,400 maybe. >> Okay. Uh 5200. >> I mean, >> okay. Um.

I mean um um what? >> Oh, sure. Take a little peek. >> Take a little peek. >> I spent less at Nash and Bevby than I. thought I would have. Lot of money it. turned style. That makes sense. Okay. was turn style record style. >> That's where I go for teeny time. Espresso martinis. >> Oh my. [laughter]. >> What the dude? That is more important. than you paying back your friends. That. is disgusting. That is selfish. What the. is wrong with you?

>> Well, I usually am not the one actually. paying for it. That's actually. >> But you did regardless. Well, you still. owe your friend 700. Still owe your. boyfriend 1,200. >> Who the are you? You're going to go. borrow at a 20% interest rate a car at. $20,000 at your financial situation. Yet, you go have teeny time. Teeny. All. right. Listen here, financial audit. I've curated the exact resources and. tools I personally use or would use if I. was in certain situations. So, take.

advantage of these offers in the. resources section in the description. below. The first one, I've moved my. investments to Weeble. Do the same and. transfer to my investing app of choice. and you get cash bonuses of $200 all the. way up to $30,000 depending on initial. funding amount and up to 8.1% APY on. your money and up to 3.5 matches for. your IRA. And then number two, a great. new checking account that I've switched. over from SoFi and it's called Chime.

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most importantly, go get your free. Hammer financial score and see where you. stand in the world of finances. Take the. assessment at caleophammer.com. You will. not regret any of these. Change your. life today. Think you're entitled to. teeny you tiny. You don't get teeny. Pay. back your boyfriend. You know what else. is? Who has a good teeny? Your. boyfriend. Pay him off. PAY HIM OFF. HE'S LENDING you for a bunch of your. friend. your friend. You don't even know how.

long ago you borrowed the $700 and. you're going and getting teenies. That. is selfish. It is disgusting behavior. >> Okay. >> It is not what a 31year-old should be. doing. I could see that at 21. >> This is a joke. You're well into. adulthood. No more. >> Well, I Yeah, I got into a habit of uh. spending too much and now I'm having to. >> Are you an alcoholic? >> Dial it way back. No, I actually drank. way less than I used to. >> Were you an alcoholic? >> Not diagnosed. You're just cope. >> Yeah, it's more of a cope thing.

>> Listen, I'll get you on the Fizz card. that helps build your credit. It's a. debit card that builds credit, >> okay? >> Cuz you can't be trusted with. >> debt for whatever. And if you want to. get if you want to get into a new career. field, that also gets you a course. career certification to build your. resume. And you know, if you want to get. out of the bartending world, you're. making a good income. But who knows? It. might be hit or miss. I bet that's not a. very recession resistant industry, by. the way. >> Remote good luck. That's not really much. of a thing as much these days for new. >> I know. Yeah. >> So, I don't think I mean you're just. going to like going to have to get a.

job, a big girl job. >> at some point. And again, this isn't a. bad job. It's not it's not really. resistant. >> to recessions as much as many other. things. Also fluctuates a lot. >> Like you look like a nurse. >> Like you look like a mean nurse. >> No, I don't want to be a nurse. >> Look like a mean nurse. >> Nurses aren't supposed to be mean. >> Oh, but they're all Except for my mom. She's lovely. She's really good. I love. her. Uh, the rest of them are though. quick. >> The rest of them are kind of That's what. they're known for, right?

>> I don't know. I've only had. >> They're the mean girls at school. >> I've only had nice nurses. >> when you go to the hospital. I'm talking. about when you go to like school with. them. All right. We're not playing. fussy. Calm down. >> Move your face. >> I don't have a mullet and a full beard. and selling. Okay. [laughter]. >> Okay. What is this? Death to previous. landlord. $8,000. You don't have to tell. him he's dead. He can watch it. >> Yeah, he probably will. Um, uh, that is. >> 8,000 to a previous landlord. It's. insane. What the kind of amount is that? >> Apartment debts. Um, >> no,

>> that's that's we already discussed that. when I told you that like the dollars. kind of hold. >> It was 8,000 hours worth of repairs. >> Um, >> oh, for was it this entire unit? >> I didn't live I didn't like leave it as. like clean as I should have. Um, yeah, cuz I moved out quickly and I had. to be out by a certain time, so I'm just. moved all out. >> $8,000 is is insane. >> Yeah. >> You have any photos of this? Any.

pictures? >> No. >> Why. >> am I supposed to take pictures? I'm sure. they. >> It would be good for fighting back if. you had to. >> Yeah. >> So, what's your method to pay this back? What has been the idea? because this. is,000 hours is insane. >> Well, so they. >> for any income that's a substantial. amount of money. >> Yeah. So, the thing is with the. apartment desk like the apparently the. property management company, they can't. they won't take a partial payments. >> cuz I was like, can I make payments on. it? And they were. >> counterproductive to them. Weird.

>> Yeah, I know. It was really weird. I was. like, so even if I can give you $500. right now, >> is this on your on your credit? >> Yes. >> Me. Has it been sold off to a. collections agency or is this still the. apartment? So. >> if so they might be willing to go on a. payment plan, right? >> Yeah. So now it is on a payment plan. >> Well, this is on a payment plan. >> Yeah. Well, yeah. In the like debt real. like Okay. So I signed. >> Oh, it's in the debt relief. >> Yeah. Okay. >> It's not a consolidation loan. It's like. the debt relief thing. I know. >> So like now it's like money is going. towards it cuz I pay 5.44.

a month going towards debt and then they. like disperse it to all the things that. I owe. >> Then why is there other landlord debt? Why is there. >> that's the most that's the most recent. one. Um. >> most recent one should you know you. shouldn't have to say that to about. landlord debt to previous apartment. debt. Oh that's the most recent one. >> Whatever dude. Okay. So. >> okay. >> Okay. So anyways. >> what is this response? >> So that one is she's saying that like.

she needs to like replace all the. flooring in the room. >> Train your dogs. >> Okay. So, yeah. So, but then I don't. think she did the math right either. I. don't think it's that [clears throat]. much. >> Well, you didn't take pictures to. challenge it. And that's the problem. >> I know. I might get my old roommate to. do that for me cuz there's still nobody. living in there. >> So, she's still in there. >> The old roommate is So, it's just like. she rents out the landlord just like. rents out each individual room. It's not. like everybody. >> The landlord literally caught the dog.

peeing on the carpet. >> What? >> That's the note I just got. The landlord. caught the dog peeing on the carpet in. one of the places. >> The landlord, she like would end up. coming by the house like unannounced and. then just like walk into my room and. then she was like didn't like saying the. dogs there. She said that the dog peed. on the floor and then now she has to. like. >> There was a dog pissing on the floor. >> That's what she said. I mean, it wasn't. there when I got home. >> Your roommate? >> No, the landlord. The landlord.

>> Your roommate cleaned it up. Maybe. >> Okay. Yeah, maybe. >> you didn't ask. >> Or maybe the landlord did. I don't know. No. Should I have asked? >> If someone's claiming that the dog peed, I tried to figure out the landlord did. >> cuz that would result in debt to me. Yeah. >> So, when's the next debt to your current. landlord? >> I don't have any debts. I mean, just. >> I said when you're going to get kicked. out cuz the dog's going to destroy this. place. >> I guess whenever that happens. >> Why are you so irresponsible? Why do you.

not give a. >> I'm trying to do better with the dogs. >> Okay. What are you trying to do better? What's the trying to do better? Going. out less. Okay. You still work 40 hours. a week. I know you're with your. boyfriend sometimes, too. >> Longer walks and trying to get their. energy up. >> Does that help with the anxiety. specifically? >> Yeah. >> Okay. >> So, >> and so far, >> I mean, they've been good, even like towards the end of the time. that I was living at the last place, it. I was like taking them out more, throwing like I had a big yard, so I was. like spending more time throwing the. ball with them. And then they were fine.

They didn't really do anything. Now, you struggled to send us statements. >> Yeah, >> we tried to help you the best you could. Yeah. >> So, I'm going to have to screen record. from your phone if you want to. Can you. pull up your Credit Karma for me. >> cuz I don't know what the struggle was. >> So, yeah. So, that the Credit Karma. thing shows like closed accounts. Um, >> yeah, I'll see. >> Um, okay. But let me.

pull up the national debt relief thing. cuz that gives a better breakdown. >> I know how to navigate Credit Karma. >> Okay. Well, I was going to go to the. National Debt Relief thing cuz it gives. a better breakdown. But here, >> I just want to see what your credit. karma says. Dude, we can look at both. Needs work is an understatement. >> I'm aware. >> Okay. So, what do we got going on in. here? Oh, wait. Hold the You know, you. have some open credit cards. No, no. We got to chase freedom at 350.

>> That I think is one that must cuz my ex. and I had a card together. I DON'T. [screaming] HAVE. >> NO. OH, and this is why we opened up. credit karma. >> I don't think there was a Chase one on. there. >> Is there? >> Is this just an example? >> It might be an example or like an. >> This must just be an example. >> I don't know. You said you know how to. work credit karma. >> Yeah. [clears throat]. >> Seem to be struggling. >> 16,000 on the So, we have the 9,089. And. that that's from that. No. What's this? 9,089. Is that the debt relief?

>> No, that Wait, let me see which one. you're looking at. Ah, 9,089. Oh, the green sky. That's the hot. tub. He's making the payments on it, >> but it is on your credit. >> His name is also on it. So, he's making. >> If he stops or dies, you're. >> um Yes. I don't have a way to sell it at. this point. >> What's your relationship with him now? >> We don't speak. >> Sick. So what happens if he all of a. sudden misses a payment? You say he's a. piece. Maybe he will.

>> Well, his his name is on the loan, too. So he has to. >> I know, but what a delinquent who. doesn't give a. >> I don't think. >> people up their credit all the time. >> Who's to say he doesn't? >> I mean, it's very possible, but yeah. I mean, if he dies, >> find anyone else. >> Yeah, he's married. >> Yeah, that happened quick. So, it was you. Okay. Hot tub. >> $9,000. >> I get emails every month that the.

payments are. >> $99. Well, that's good. But it's $157. I'm going to put it in parenthesis. It. doesn't go to your normal payments. But. even still, I mean, that's scary. That. is an extra $10,000 on top of your loans. that is just added if something happens. cuz you will have to pay it to not your. credit if he decides not to pay it. >> I know. At that point, I would just. figure out a way to stop. >> Can we contact him to refinance it. and get you off of it? >> The the idea of talking to him sounds.

absolutely horrible. >> Stop being such a whiny. >> He doesn't want to talk to me either. >> This is a business transaction. This is. a business transaction. You're not. calling him up and asking him about his. day. >> Yeah. I don't know. I don't I mean, how. much of a difference? >> You text him right now. >> Text him right now. Maybe blocked. >> Huh? Okay. Well, let's see. Can you just. try to text them? Oh, sorry. Yeah, this. is your phone. Text them. Hey, comma, what do you think about refinancing the. hot tub loan to get me off of it?

>> Okay, >> send a text. See what happens. >> I. >> You're not even willing to do that? >> He like He was really bad. He like was. like, "Yeah, not it makes me nervous to. text him." I mean, I couldn't. >> What's he going to do? What could he do? >> I don't want to get yelled at by two. pull men today. So, >> okay, that's fine. That's I I I you know. to totally good but for limiting your. risk as well. I do again the main intent. isn't for you to contact them. I don't. give a about that. The main intent is. for you to get off the debt.

>> Right. >> What is this? Feb cred fresh. >> Feb credit. Um that is a line of just a. line of credit. >> of you that you have. >> Yes. >> Just you. >> Yes. >> S. Did we even get a statement for that. or is this fresh? Are we learning about. this for the first time? Oh, we're. learning about this for the first time. [sighs]. Okay, line of credit. Okay, that's wild. Now, why do we have a. balance on a line of credit? >> Um, because I used it.

Why would I get a line of credit and not. use it? I needed it. >> for what? [laughter]. >> You're going to hate this. >> There it is. >> It's as uh. to pay rent. >> $330 a month payment. Can you pull pull. up your line of credit for me? >> [sighs]. >> All right, here we are. >> I had paid off a good bit of it. >> The balance went up to $1,38942.

>> What? >> It's over the credit limit. >> That has to be just interest, >> which doesn't make it better. >> No, it doesn't. If you make your. payments, it does not make it better. That makes no sense. Yeah, it that was kind of an emergency. situation. >> So, does this draw into cash? >> Yes. >> Okay. So, where would I have seen the. cash we spent in your checking account? >> Yes. >> So, you saying earlier that you don't. spend on credit cards only in your. checking account no longer counts. because you pull from credit into your.

checking ACCOUNT TO SPEND ON IT. >> I FORGOT ABOUT that one. >> Huh? >> I forgot about that one cuz I forgot. about you. Well, no. >> Okay. Minimum is actually 82. I don't know what credit card mode is. saying, but sake, dude. You're over the. limit byund and. uh like 25 130 bucks. That's insane, dude. That's crazy. What. are we doing?

[sighs]. Kickoff. You just got kickoff. >> Yeah. >> Okay. And what are you doing with. kickoff? Cuz there's good ways to use. it. just recently. I haven't really used it much. >> Well, I advocate for it in the credit. building way, but you I want you to just. be careful. >> Yeah, I haven't really done anything. with I just recently downloaded it. >> Okay. >> I haven't really figured out how the. best way to use that is yet. >> Now, here we go. Good old. Collections Data International.

$5,159. What is this? >> That's goes into the apartment debt. That's what that is. >> Additional. No, no, no. That's like the. chunk of it. >> Okay. What's your minimum on this? So, I'll cross off I cross off the two. previous landlords and now we put this. in. >> Okay. [clears throat] It's in the So, it's in collections. It's in the payment. that I make towards the debt relief. thing. >> What all is in the debt relief, dude? Cuz I don't see the. >> I can show you. >> Okay. Show me the debt relief. This is.

such a mess. What a mess. Why' you do. this debt relief specifically? >> They were in one so I could have one. payment. in collections. You didn't have. to make a payment in collections. Sure, they could have sued you and gone after. you in court, but usually no. >> If it's in collections, I don't have to. pay it. Well, my credit. >> It's not about that. But yes, your. credit sucks. And the $5,000 one, honestly, it's pretty chunky. Maybe they. would have gone after you in a legal. way. So, you know, that one I'm okay. with paying on for sure, but usually. after a few hundred bucks, you know, they don't really come after you in a. legal sense. Um, and it's not that you.

don't have to pay it. moral obligation, sure. But if falls off your credit in. seven years, that's seven years to you. being not being able to apply for any. debt whatsoever. >> And sometimes that's not the worst. >> And the um debt relief thing that I'm. bing off on. >> Oh, start to Capital One. >> Oh, the Capital One itself is $21,577. >> Yeah. >> What is happening?

>> Yeah. That was the big one that I racked. up after. That was my coping card. >> For how long did you spend $21,577? >> A year, year and a half. >> That's insane. All on just going out and. beving it up. That's wild. >> I like I also used it for like other. necessity like dog food and HelloFresh. And so it's not like I only use that for.

going out. Now I have Madison Adele. 5,795. >> That's one that's like IQ. >> Marcus loans. >> What's that one? >> I don't [screaming] know. >> Let me see. >> Marcus loans by Goldman Sachs. It's. Marcus. >> Oh, [laughter] that's a. >> It's a loan. Usually it's a high yield. savings account that most people use, but you got. >> Goldman Sachs. Then that's my Apple. credit card. >> Oh, you owed 5,000. >> That sounds right. >> 3,000 319 on that. >> Yeah, >> that'sing crazy. You paid off a.

small couple hundred dollar patient. first one and. >> that's what was owed left on the boob. job. >> SHE SHE OH GOD. SHE NATIONAL DEBT relief. her boobs. [laughter]. She national debt relief hering. >> Well, it's I stopped making the payments. on them and so they just like looked all. into one payment. >> Maybe they should repo them. What the. >> It cost them more money than I owe them. >> now. What the are we doing where you. can't pay for your own [ __ ] tits?

>> Having great tits. >> The number one YouTube membership just. got upgraded. Three exclusive shows. every day, Monday through Friday. Financial audit post shows, exclusive. [music] and uncensored financial audit. episodes. Our call-in show, Hammer It. Out, >> then take the train. and brand new. shows. [music]. Fat and Fatter.

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You guys are destroying your financial. future, spending like you have unlimited. money, but you're just going further in. the hole. >> What do you mean? >> You have a literal $1,100 monthly car. payment. >> Yeah, it's getting a little tight. $264. in monthly subscriptions. >> I didn't know we had that many. You guys. have to take control of your finances. >> How? Just download the Dollar Wise. budgeting app. It shows all of your. expenses in one place and helps you. monitor your finances so you're not.

blowing hundreds of dollars a year on. things you don't need. Download the. Dollar Wise budgeting app today and take. advantage of your free trial. >> Hey, your buddy said worth the money. >> He's obsessed with the faker, the. better. He has good taste. >> Okay. Natural debt relief is not a bad thing. It's just like it's just like the debt. you got into is crazy. >> I don't know. You literally got titties. on here. >> Yeah. Only a couple hundred. And I just.

looped that into one payment. >> Well, you paid that off immediately, but. you've only made $839 of progress on. $31,530. So, it's like. great. Great. So, you owe $30,691. on here. Now, we're crossing off of the. total debt, the previous landlord debts, but we still got the boyfriend, the. friend, the hot tub, the line of credit, and now this $30,691. of debt, which most of it is that.

Capital One, which is crazy. >> Yeah, that one got a little out of hand. >> Crazy. What is your minimum monthly. payment on this thing? >> Well, now I pay it all in one payment to. National Debt Relief. >> Huh? Now I pay it all like I pay I pay. 544 a month. >> There you go. That's what I was asking. >> You asked about the Capital One card. >> Huh? >> You asked about the Capital One card, not the. >> Well, I I Okay, sure. Maybe I meant this. though. So, $544. >> $540.

>> How long have you been in this? >> Um, I started racking that up about 3. years ago. >> No, no, no. The National Debt Relief. Are you sure you just can't answer. questions? >> Are you sure you can't ask questions, right? I don't know. You're jumping from. one thing to another. I signed up for. national debt relief in Januaryish, January, February, >> and it's been 544 this whole time. >> Well, it was 273 every two weeks and. then I changed it to do just one payment. a month. >> cuz I found that. >> times two I Okay, so still it's still.

the same. >> Yeah, >> but you've only made $800. You've made. two months of progress. >> Well, okay. So if you go to the last. page, it shows like 2700 in the account. So like. >> I guess it's at the top. Yeah. >> That they're using negotiate. >> Yeah. >> Okay. So that's what's in there. Okay, I. got it. >> That's rough, man. That's rough. >> I know. >> That's crazy. And now let's look at your.

spending. First of all, what even the. [ __ ] What is this? What is this. account, dude? What am I looking at? >> That's my checking account. >> Well, what? Checking with who? What is. this? >> Capital One. >> So, Capital One checking. Okay. Immediately in here, Venue out $12.50. Venoming out $8.29. Now, these are. Ubers, most likely. >> Yes. >> Uh, Old Greg Brewing. $8.50, but we're. struggling to survive. Great. Uber. >> I got. Uber. Uber. I told you the Ubers are out.

of. >> I'm calling them out still though. And. also really $838 of Uber in one sitting. That doesn't really make sense. I don't. think Look at that. >> Oh, that was that was um for the deposit. and rent. >> They're not all Ubers like. >> the big ones. The big ones are rent. >> Okay. Then half of them have been Ubers. that I've called out so far, by the way. >> Majority of them. >> Smoker. Buzz. >> It was a vape. You're a vaper?

Why? We are. We You're older than me. I. know for a fact you were not in the vape. high school world. >> No, I was not. >> You picked that up. What a dis what a. stupid thing to pick up. That's such an. exp. How How often are you getting vape? >> Uh, like once every two weeks. >> And how much is it per? >> 20. That's not that bad. $40 a month. >> Shut the [ __ ] up. What are you talking. about? >> That is $500 a month. That is an extra. payment on your national debt relief a. year. That is an extra payment on your. national debt relief a year. [ __ ] off.

That is substantial. Everything little. every little thing counts. Uber. Uber. Uber. And by the way, we know with some. of the Ubers, they're Uber eating. >> Yeah. >> Taco Bell. So shut up. That's all Uber. So Uber. Turnill coffee night owl. >> Uber Eats. Probably Uber. Uber Uber. Uber Eats. Probably Uber. Uber. Uber. >> See, the majority of my spending is. getting around. >> Come on. There's still Uber.

[clears throat] Eats. You It's. unacceptable to be doing Uber Eats in. your situation when you owe money to. friends and boyfriend. What a disgusting. thing to do. Spokeman Highland. >> It's a coffee. >> Uber Eats or actually large Uber. So, something else. Easy Tiger. >> Uber. Uber. Uber. Uber. >> And also, maybe you're going around too. much. Maybe you shouldn't be going out. if you cannot afford. Maybe you. shouldn't be going all these places if. you can't afford the transportation or. take the bike or scooter or transport or. bus. I know you can bus from your area.

You can bus. Is it convenient? No, you. can. Planet Uber. Uber. Uber. Uber. Metro thing is like 50 bucks a month or. something or 100 bucks a month. You I. mean you do that in a day. Uber. Uber. Uber. Netflix. Going in and getting some. bull in the gas station. Certainly know. it's not gas for you. Cash apping out. money. Uber. Uber. Motty's North. Lamar. Probably Uber Eats. Then Uber. Wendy's. >> No, Motty's. I didn't Uber Eats. That.

was. >> No, I'm talking about the next Uberine. thing. >> Nash and Bevy. The hideout pub. Uber. Spokesman Highland. A huge Venmo of 650. bucks. Uber. Uber. Uber. >> Uber. Uber. Uber. Uber. Uber Eats. Probably Uber. Uber. >> Uber Eats. probably Uber Eats probably. Cash App being sent out. Uber. Uber. Coffee. Kung Fu Salon. Kung Fu Salon. Uber Eats. Probably Ven out $500. So.

many of these this month. Wendy's. >> That's how I was paying rent. >> Jack Ginger's weekly cuz it's like every. second. >> Well, I paid made some partial payments, >> dude. Uber Eats probably. Well, she's. making partial payments. Well, actually. the $500 Grand Bazaar. >> Uber Nash and Bevy while she's making. partial payments. >> Uber Eats probably $500. >> Uber Eats probably Uber Uber Uber Uber. Uber Uber Uber Hulu for $90.

>> I knew you were going to hit on that. >> What the is that? You already have. Peacock that you try to justify. >> Hulu has different stuff and it has the. live I pay for the live. >> guys. Hulu has different stuff. It has the subscription I have pay gets. the live. So like cable. >> I don't care. You do not get cable if. you cannot afford life. You have you owe. your friend and boyfriend money. >> I actually think I pretty sure I changed. the Hulu one, but it just hasn't haven't.

been build for the next. >> Bro, this is so stupid. Uber one. Apple cash sent out. White Tiger. going in getting some bull. Uber. Oh my. Spokesman Highland. UBER BREW MARKET. APPLE. APPLE. Spokesman Highland. APPLE. [screaming]. APPLE. Uber Eats for sure. GoFundMe. Go fund. paying off your friend. You dumb.

>> My coworker has cancer. >> I don't give a I don't give a I don't. give a sucks that your coworker has. cancer. You do not have money. And also, if we're being completely honest, that. absolutely sucks. $30 is not going to do. anything. >> I know. >> I know. It's about the lots of small. amounts makes a cancer payment. >> Like I advocate for that. I support. that. Let's absolutely give. You're not. in a position to and you're hurting. yourself. >> I'm sorry. Send me theirs and I'll give. them much more money. That's that's what. matters more, you know?

>> Yeah. And the more you want to give to things. in the future, the less you'll be able. to because you're preventing yourself. from being able to do anything by pre by. not allowing yourself to dig out of a. hole. That's what happens when people. want to be a little charitable here and. there, but they're in a bad financial. situation. It prevents them from being. much more charitable over the course of. their life cuz you need to get out of. this and then you can give so much more. So, it's not about the cancer thing. That's sad, but it's obviously about. just the overall situation. Cash App 60.

bucks. Barbecue Chicken USA. Zilker. Brewing Company. Uber Eats. What the? Pull up your checking account for me. right now. What a joke. What a joke. That spending is horrendous, disgusting, unacceptable for for someone who owes so. much money to people in their personal. lives. What a joke. Available balance $92.

That's insane, dude. That's insane. I started with 21. That's insane. Surprised you have not. overdrafted this year. Holding us so. low. Holding us so low. We got a Oh, guys, we got a 360 money. market account. Got uh what is that? 87. cents. [laughter]. >> Wonderful. of which you probably pay a. fee to have.

>> I do not. >> Okay, thank goodness. That's 6 cents in. interest. Well done. This is crazy. Okay, what before we build this budget, I mean, listen, there is an income. conversation. There is, again, I'm a. little nervous about if we're in a. recession or anything, your industry. being impacted. What are we trying to. do? Cuz it sounds like you have no idea. what you want to do. You've been hopping. jobs like crazy, right? >> Yeah, I've done a few things. Tell me. tell me over like the past 10 years what. have your what's your job situations.

been? >> Um I was a hair stylist for the majority. of that time and then well then co. happened. >> Yeah. Well but you're in Texas. We were. closed for a month. >> Yeah. But then I sat on the couch for a. month and I started getting a tech. >> It was a you thing. >> I while I was sitting on the couch for a. month I started studying for um exams. and tech like Microsoft. >> tech certifications. Yeah. >> Okay. What' you get? >> I got uh two different Microsoft. certifications and then I got like once.

people started hiring again I got a job. >> I don't even one was an Azure one and. then one was a 365. >> Okay. And then you um. >> pretty basic ones to get started and. >> and then you got a job doing what. exactly you you're starting to tell me. started. Tech support's good. >> Tech support I was making 36k so it. wasn't great but it was. >> but tech support can be good. you can. move up in that and maybe that can get. you into tech sales. Listen, it's not. great in tech right now, but I can get. you that certification specifically. Tech sales can be really lucrative. You.

don't seem like a people person. You're. a little bit of a wrist slitty emo going. to kill everyone, but you know, if you. decided to be a people person, >> I know for you. Exactly. That's why. maybe you wouldn't be good in tech. sales. >> Yeah. Also, a lot of sales jobs you have. to have a bachelor's degree and I do not. have that. >> This is tech sales though. [clears throat] Sales. Sales is more. about the grind, the numbers, the resume. you bring in, the things, the data you. can show, the hustle. >> of which you don't have, but a tech. sales certification would help. Okay. So, you went into tech sales. You're.

making $36,000 a year for how long? >> Um, about August to March. About seven, eight months. >> Why so low or slow? A little. >> um because I got a different job making. more money. >> What was the different job? >> I worked for SHI. Um Oh, it was like. >> as what? I worked for SHI as a as a. pre-sale service adviser. So it was like. >> So still service. >> Yeah. >> Uh but good. What were you making? >> Technical 65. >> Look at that. >> Yeah. >> Basically what you're doing now except. it was probably more enjoyable, right?

More consistent. >> Less grind. Okay. >> Well, yeah. They put everybody back in. office and I was living in Round Rock at. the time and then I had to go all the. way down south and it was. >> Yeah, it sucks. Okay. But Okay. So, what. made you leave that? How long did you do. that? Um, >> just assess your resumes. We're thinking. of what to do next. >> A year and a half. >> Okay. Okay. It shows you stick somewhere. for a little bit. I would have preferred. to, but that's fine. And you're making. 65. When did you leave that? Where'd you. go to? >> Um, left that.

>> about two. Yeah. So, I guess I've been. bartending about two years, not three. >> So, that was straight to bartending from. that. >> Why did you go into bartending from. that? >> I wanted something really quick and I. also just really don't like. >> Did you get laid off or did you quit? >> Laid off. They started laying off a. bunch of people. >> Okay. >> Yeah. >> Did you get severance? >> Yes. >> Okay. >> Yeah. So then I went into bartending and. now and then I've just kind of stayed. with that. I've spent the la spent the. last year managing a place so to build. some kind of management on my resume as.

well. Learned a lot. So I can stick to a. place. >> So your resume is okay. The bartending. thing honestly isn't really going to. help it unfortunately because it shows. that you left from checking you in to. service. >> Yeah, but the management. >> Oh, you and your boyfriend want to move. to San Diego. How are we doing that? How's it even possible? >> Well, that this has got to get worked. out first. >> Well, this is an insane amount of things. to get worked out first. >> I know. >> What's your rent? >> 875. >> What about utilities all combined?

>> About 150. >> Okay. What's your phone bill? >> 110. still have your cos uh oh what is. it cos cos license? >> Um I don't have it anymore. It expires. >> Why? Oh, can you reup? How is easy is it. to reup? >> I might be able to reup. I'm not sure if I would have to take. state board again because it's been so. long. >> Your minimum monthly payments are $97. Reminder, your income is $4,116. Okay. Did you calculate your internet. and your utility payments or is that.

separate? >> Y. >> Okay. Hey, how much on Ubering a month? Well, we kind of did it. Listen, I saw. about 10 10 back and forth. Well, let's. round it up to 12. You do 5 days a week. So, that's uh 24 * 5 * 52 divided by 12. Okay, so that's $520 a month in Ubering. That's chunky. That is a car payment, but you're not taking into account the. interest that goes with it. Of course, you get an asset in the end. Declining. asset. Absolutely. Let's save up. Let's. get a car. >> But except except no. Except you take.

the bus. I'm sorry. Take the bus. Like I. almost I I almost convinced myself to be. on your side for a second. No, take the. bus. We live in a city. We live in a. city that has a halfway decent bus. network. >> I can gas you back into uh. >> No, you can't. Take the bus. I know. where you live. >> Yeah. No, you don't. >> You told me before. >> You have general area. >> Yeah. And I know there's buses there. >> I don't know where they are. >> That's a map. You look at the map. Uh. >> that scares me. >> No, it doesn't. No one's on them in. Austin. You'll be the solo rider.

>> Okay. Maybe the train. I don't know. where that that person wants to me as. though. It drops off right. >> Well, that's actually fine. That's. actually fine. She told me where she is. Listen, you can take about uh a. 10-minute bus to the train station and. then the train can take you to work. There you go. Listen, transportation. budget, I think you can do 300 bucks a. month. Let's try to cut this down. Let's. grind to the bone. 300. And that's me. being generous, giving some Ubers here. and there. >> Okay, >> you can do that. And I know for a fact. you can take a a bus to the transit hub.

there that takes the train to your work. >> And the train system is incredible here. in Austin if you can get to it. And I. know you can. Unfortunately, the vast. majority of people can't get to it cuz. it's just a very limited line. But if. you're on it, it's a great train system. >> Okay. >> Okay. So 300 for your transportation. budget. You should be able to do that. Food, you can do 300 for yourself. We'll. give you the uh Can I hand that?

We'll get you set up with the budget. from the cookbook. You follow it. 300. bucks a month. It's good. Remember, get. it signed by signing up for Dollar. Central or the annual version of the. Dollar Wise premium budgeting app. I'll. sign it just like that. But use this. You can do $300 a month at HB. We've. priced it out. >> Unsigned one. >> You maybe I'll just burn yours. >> Yeah. 300. TP fund. Anything else you. need to survive? 100 bucks. Medical, healthcare, any co-pays, anything on a. monthly basis, prescriptions, whatnot? >> Nope. >> Okay. Gym.

>> I don't have that, but I would like to. factor that into the budget cuz there's. one right by my word. 50 bucks. >> What about a $25 gym? >> Well, okay. Let's see if we can do the. same. Let's see if we can do it. Let's. see if we can do it. 50 bucks. subscriptions. Let's see if we can do. $30. >> 30. >> Netflix alone is 17. >> Pick one. PICK ONE. >> OKAY. Uh.

uh I'll see if I can do 40. Let's see. Okay. Dogs. There's no pet insurance. >> No. >> And they're too old. How much for food. on a monthly basis? >> About 80. >> Okay. Is there a monthly care you have. to do? Is there anything we have to. think about with these dogs? Uh. >> I mean just flee and tick stuff every. like 3 months. >> Okay. How much is that every 3 months? Um about 100 bucks for both of them. >> So we'll call it 34 bucks for dogs under. health.

Obviously. one's 12. Some expenses will start going. up unfortunately and I'm sorry. Anything else that needs to be in your. budget that I have not taken account. yet? >> Um. I don't think not that needs to be in my. budget. >> All right, let me do the math. What you. need to survive is $2,946. a month. So, what are we doing here? This is totally fine. Let's let's just round it give you $170.

of wiggle room since this is, you know, a lighter budget. We're kind of, you. know, you will dive deep in. >> and you'll figure things out. But let's. say you have $1,000 left over. >> and yeah, it's still chunky and still. thick. >> Factor in the um the debt payment. Yeah, debt payments of $97 a month. >> Listen, $30,691. plus $1,389 from the line of credit plus. 1,200 from the boyfriend, plus 700 from.

the friend, not doing the hot tub debt, and we obviously the first one was the. national credit relief, debt relief, divided that by a,000. I mean, it's. pretty basic math at that point, but. that is 33 months. That is not the. worst. Uh we're talking uh about two and. a half years, close to three years. actually to get paid off. >> Yeah. >> Okay. >> Two years and two quarters for a. bartender. is amazing. People take 5, 10, 20, 30.

years when we do the calculations on. this. So 30 years. You can do this in. literally under three. Boost your. income. Get a second job. Boom. get this. paid off in two years total. >> Okay, >> come on. It's everything. >> This is incredible. You have the. opportunity of a lifetime here. Here's. the reality. You don't have an emergency. fund. That is scary. You keep borrowing. from friends. I'm surprised you're not. borrowing from family.

I guess it's cuz you're the. disappointment, right? I want you to pick up a second job. >> Bring in an extra $500. Pay this off in. two years. $500 a month. That's all I'm. asking you to bring in extra. Okay. Even. with some personal clients on the hair. job, you know, side. I I don't know. Just whatever it could be. Coffee shop, doesn't matter. Pick up more hours at. the bar. Uh go to a different bar, you. know. I I don't know. I don't know. But. >> $500. >> Are you working on one of the party. streets? >> No. >> Probably make more money there, right?

>> Maybe. It depends on in the season. It. fluctuates a lot more. Yeah. And the. hours. >> Um but but yeah, but that's what that's. what the money is though. This is a. grind for two years. You can do this in. two years and then call in another six. months to build a fully funed emergency. fund. Okay. I'd get a one-mon emergency. fund. >> or save off whatever your highest. deductible for any of your. >> month would be 20 what? 29. Is that what we said? >> Huh? Yeah. With your debt. But it would. be closer to 2,000 2,100 once your debts.

are gone. So yeah, I would save up about. 12,000 bucks. >> Okay. >> So call it 2 and 1/2 years to have a. fully funed emergency fund. All bad debt. paid off. Keep taking public. transportation through there as long as. you absolutely can with a little bit of. Ubering. Do not get a car yet. Do not. get a car. And then at that point, we. are saving up $5,000. I'll let you put. $5,000 down on a $10,000 car. And then. you aggressively pay off that $5,000. >> How long is a $10,000 car going to last. me though? >> For a while, dude. >> Cars are expensive.

>> Cars are expensive. And it it it's not. as easy as it has been to find, but. you're in a large metro area in the. Texas triangle, which means you're in. the middle of also four large metro. areas. So, you have a lot to choose. from. And no matter what car you are. getting, you are taking that car to not. one, but two mechanics to get them to. look at it. So, you're going to pay for. them to look at it and give their full. sign off that this is going to be safe. This is going to last you for a few. years without major repairs because this. is not a forever car. This is a few car. And you pay off that extra $5,000 in. debt. either preferably not with the.

emergency fund, but if it's high. interest, yeah, use the emergency fund. Boom. Then you have a paid off card and. you got to build up the emergency fund. again. But if it's low interest, then. you just pay down that. And then listen, I didn't see a retirement account here. Is there retirement? >> No. Okay. Then at that point, once that. is done, we're talking maybe three three. years and a quarter, then we are. >> getting a car for 10K. >> No, no, no. This is after you paid off. that car. Then we are doing 50 30 20 50%. on your needs, 30% on wants and 20% to. investing.

Maybe 30 25 because you'll be starting. mid mid30s. retirement. So you lost you lost the. best decade of your life for compound. growth and you lost half of the second. best decade for compound growth in the. marketplace. We really need to start. catching up so we have a shot at. retirement, >> shot at dignity in retirement because. this I'm not relying on social security. then. >> Well, that's a bad way to look at. things. But let's look at the higher. likelihood chance that it's not going. to. >> Okay. >> Okay. So, that's what I recommend. I'm.

going to call her current boyfriend and. talk about what her debt looks like cuz. he probably has no idea cuz she didn't. even know about the line of credit. >> Who knows? >> You didn't you don't even know about the. line of credit. WE'RE GOING TO talk. about his debt and stuff. So, I'm going. to call him confront the situation in. the post show. Let's get her hammer. financial score first. Okay. Spending a budget over spent 0 to. 10. Debt you have collection 010. Emergency funds 010. retirement, but. there's nothing 0 to 10. Real estate, there's nothing. 0 to 10. Wow. Hammer. financial score. It's been a while since. we've had one of these. Literally a zero. out of 10. And she thought it was a.

three. Good luck. Get your financial. score. GET YOUR FINANCIAL score below at. calebammer.com. And come join us in the. post show by joining hammer elite below. Three premier shows posted Monday. through Friday, every single day. I'll. see you in the post shop. I'm calling. your boyfriend. Hello, big guy. Your. girlfriend owes you a lot of money. What. did she do instead? She opened this. conversation bragging. Hey, I don't. spend on credit cards anymore. You know. what she did, which you probably do not. know because she doesn't even know. She's over maxed out on it, which is why. she can't use it. >> I did not know that.

>> Now, does her financial situation make. you hesitate? This relationship? >> Yeah, it's a I mean, well, that is a. Yeah, something that does weigh on my. mind a little bit about this. relationship for sure. >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored [clears throat]. content.