Disgusting Degenerate Steals $200,000 From Mom | Financial Audit

I spend a lot of my mom's money. 200,000? Not giving it back. That sounds sketchy as. So, you take advantage of her. Yes. She'll be like, "Stop taking money.". Let's be clear. Stealing is taking. advantage of your mom, being a. disgusting human being, bottom of the. barrel trash. I wanted to confess something to you. Do you know how much money she's taken. from me over the last 5 years? I don't. $200,000 as far as we know. Oh my god. Hi, my name is Heather. I'm 21 years. old. I'm from [music] Washington, and. this is Financial Audit.

Wow, from Washington. What do you do in. Washington for a living? I am an office. manager. Um I. pretty much I don't have a lot of. responsibilities right now, but I um. It's an easy job. Okay. Well, how are you making uh how much are. you making doing nothing? Um. I make about I think it's like 1250. every 2 weeks. Or not 12 Yeah, 1,250. every 2 weeks. Hits your account or that's what you. make? That's what I make.

Or like that's what like goes into my. account. 1250 every 2 weeks. Yeah. So, bi-weekly. 1250. Cool. Perfect. How do you feel living in. that area on $2,500. Um. a. Um. and. I I struggle a lot. Um especially cuz I. I spend a lot of my mom's money. She's. probably given me about 200,000.

in the past 5 years. What. That's so That's an insane. amount of money. How does she giving you. that much money in the last 5 years? About, yeah. Let me just do some basic. not stupid person math. Since 16? About. 16 that requires starting to get. 200,000? What What. What are you talking about? I'm just. taking money from her or borrowing money.

and not giving it back. on. What the What does that even mean? What? What What does that even mean? What. No, I wouldn't laugh at that. That. sounds sketchy as. What are you talking about? Yeah, I I take a lot of money from my. mom. Um sometimes I'll ask her. um. I have her card attached my cash app. Like her debit card? Yeah. And since 16, you're just siphoning? Yeah.

Pretty much. And I work for her, so I I. make. I make the money from her business and. then. she kind of gives me extra money. at your job, get paid some money for it, and then. siphon $200,000. Yeah. And you say borrow. Okay, what is. borrow? Um Well, this is. She um [clears throat]. pretty much I'll ask her for money and.

I'll tell her I'll give it back to her. and then she. 40,000 hours a year on top of your pay. Yeah. Sorry, go ahead. She'll she'll forget. Um like this ring, this is my wedding ring and. um. I borrowed money borrowed money for it. Um. she gave us uh. 3,000 for it, but it was only uh 2,100. So she forgets. Yeah. So you take advantage of her.

Yes. Wow. Okay, open and honest about that. I. There's a part of me that at least. respects the. honesty, but I have a hard time. respecting the actual reality of it. Uh. I mean, you're 3 years into adulthood. What do we do? So have you ever gotten a. job in your life that wasn't dependent. on mommy? Um, yeah. What? Um, I worked. with special needs adults. Um, I lived. in South Dakota for a period of time, so.

it was a lot cheaper. Okay. Um, and. But you were still borrowing money. during that time, I'm assuming. Um, I went through a period about 3 months. where I didn't borrow money cuz I had a. really good job. months out of 5 years, okay. Wonderful. Yeah, I I only made like 15 an hour, but. um, I also was living with my ex. Um, so we were. kind of splitting the bills. Um, So you actually do nothing at work.

No, I. um, I run payroll and I'll like answer phone. calls and I handle. Payroll payroll's once every 2 weeks. Yeah. Yeah, that's true. Okay, sorry. Um, and I also handle like our sponsorships. and ordering stuff for like the company. You don't have to tell me the business. cuz we don't want to, you know, put that. information out there, but like what. does the business do? Um, we work with. children on the autism spectrum. Okay. So we. Doing what for them? Um, therapy, like.

um, teaching them social skills or like how. to So mom a therapist? She is not. She. used to be. Um, she is now like um, a behavior. analyst, so she's like way above. is she? And why is it just your mom? So. is is it just your mom You you Your. parents are not together? No, they are. Uh, my dad's retired. But you're taking. from her. You specifically called out. your mom. Yeah. Um, Cuz it's her card? Yeah, her card,

her business, even though my parents. like. kind of own it together. They don't. really own it together. It's my mom's. like the owner of How wealthy are they? Um, I actually just learned my mom makes. about 500,000 a year. Okay, 500 I mean, that's an incredible amount of money. Incredible amount of money. But making. $500,000 a year, I feel like. you would still very much be like, where. has. $40,000 gone this year?

Even at $500,000 a year, I was thinking. maybe a couple million, okay, you know, maybe they're like, you know, drop in. the bucket, but $500,000 a year losing. $40,000. Just gone and forgetting about it, it. doesn't really make sense. How do these. conversations go? What do you mean she. forgets? What do you mean she forgets if. she's calling you out? What are you. talking about? What is actually. happening? Sometimes [laughter]. she um. she'll like text me and she'll be like,

"Why are you taking money? Stop taking. money, child." So then I'll stop taking. money from you. money, child. Yeah, she thinks you're a. child. Cuz you're acting like a child. because you've been independent You've. been independent 3 months. 3 months of your life ever you've been. independent. Go ahead, continue. Um I. think she also forgets though cuz I have. a little brother who also likes to take. money. Um but what are you guys. He takes money in the form of Steam gift. cards. Instead of what in forms of what? Steam gift cards.

Don't you do lots of that too? You do. lots of video games Yeah. And how much you. 20 Where does the money go? Because why do we have debt? Why do we. have collections? If you're siphoning. $40,000 a year away since 16 plus. bringing in an extra 2,500 bucks a month. net, how the possibly How do you have. debt? How do you have collections? What. do you mean? I. can literally live on 40 According to. you, you could live on $40,000 a year. sitting at home doing nothing according.

to you. and what you've done so far. So how the. possible you have debt because you are. in the most privileged position I've. ever seen in the history of this show. to be candid. So how do you have that? Um, I. kind of just like to forget that it's. there. Um, even though I know it's there, What. are you talking about? I don't want. have it in the first place if you're. getting all the if you're. stealing, let's be clear, stealing, siphoning,

being a bad person with [clears throat]. it? How did you get in the day in the first. place then? Honestly, I have no clue. Oh, shut up. What What does that mean? That doesn't. make any sense. What do you mean? Um, well, Why do you have student loans if you're. getting if you're siphoning $500,000. from her, $200,000 from her? How do you. even have student loans? That would have. covered school. Yeah, so the student. loans, um, she forced me to take them. out and told me that she would pay them. and then she didn't pay them.

Um, and. it's kind of hard for me to like. I guess pay it myself when she promised. me that if like But should she? It's. $200,000 a year that you've literally. just taken from her accounts. Wait, she says stop taking money, child. Is that what she said? Yes, she said. does she not disconnecting? But she sees you every day at work, right? No, she lives in South Dakota. I.

live in Washington. What the. Why don't you listen to her? And why doesn't she stop you? What? I'm. so confused. Honestly, I don't know. Um, I mean, I know why I don't stop. I don't. know why. why don't you stop then? Um, Why don't you stop being a selfish piece. of crap? Cuz I like to shop. Um, That's worth just taking advantage of. your mom, being a disgusting human. being, bottom of the barrel trash, washed up on shore, needs to be thrown. back into the depths of the ocean?

You'd rather be that? No. But you are. What do What do You just. said, "I'm not stopping because I want. to shop.". Shop. And yeah, your spending's. ridiculous. What do you mean? Honestly, I don't know. That's not an. answer. That's not an answer. That That is not an answer. I guess I kind of just struggle with the. whole like. stopping myself from buying stuff.

Um. like today. I bought a whole new outfit for the. show. Um. The show? The show about not spending. money? What do you do? What do you What. do you That was a. um You shouldn't even be wearing that. How is self-love? You're not. self-loving. You're just destroying your. mom's finances. You're not self-loving. Yeah. Um. Yeah, and then I went to Buc-ee's and I. spent like $100. Um. All in all today.

I've spent like $300. Um. But I was It's I borrowed borrowed money. from my mom to do that. Um. but I do. That's why she said why she didn't pay. for your college. No. The student loans. Did you ask? I have asked her before. She kind of. avoids conversations like that. Okay, yeah. But what happens if you confront. though? Hey, you said you'd pay for the loans. Why aren't you paying for the loans? She'd probably turn it back on me. Okay,

but she hasn't? Um Why have you not had. this conversation? I want her to turn it. back on you. But that's why I'm trying. to figure out why hasn't the. conversation happened? And if so, what. has it been like? Um I feel like it'll turn into a fight. and I don't like to fight with my mom. Um especially over finances. Because you. get $40,000 a year from her. Yeah. Still. All right. Let's jump in your finances. Self-assessed.

Yeah, I you feel. kind of disgusted? Self self. Okay, self-assessed. Where do you think you are? Zero to 10. finances. Zero being the absolute worst, 10 being the absolute best. I'd say probably a two. Okay, why? Explain. Um. I at least like even though I'm horrible. with finances, I at least make sure that. I get groceries, that my rent is paid, and that. Oh, I make sure that I.

eat. Okay. Yeah. That's. you being great with finances. Okay, sure. Go on. Um and also that I pay my uh car payment. on time. Just the car payment. And my. rent. But you're picking and choosing. Cuz you have collections. Yeah. So you're not actually paying your bills. though. You're just picking and choosing. So the. ones that you find to be important. you've made, so you think that's good. Yeah, I mean the collections I think one. of them is a.

from a school, which I tried to fight. that one because they gave me a refund. And now they're saying that I owe them. the exact amount that they gave me a. refund for. Okay. Um so I tried to fight. it, and then I just got like the. resolution or whatever from. TransUnion saying that they didn't. accept it. Sure. So Well, there you go. Now I'm going to have to pay that. And. then the other one was an internet. company in South Dakota.

that um I had tried to call them. multiple times to cancel my service cuz. I moved out. Why were you in Washington? Um my husband lives there. And whatever business your mom owns has. a branch in Washington? Um so I was born. and raised in Washington. And so my mom opened her company when we. lived in Washington, then we moved to. South Dakota. I can't. [clears throat]. Get your Hammer Financial score for. free. It's linked in the description. below. Also, if you're an interesting. person and you want to have interesting.

conversations and you actually have. finances that you'd like to get your. help with and you have a unique. financial situation, we like, you know, unique diversity of financial situations. and, you know, or if you have opinions. that you think need to be challenged and. things like that, sign up. Come on the show. Come hang out. with me and I'll beat you up a little. CalebHammer.com/apply. 210, she says. Okay. Okie dokie. Okay.

And how long have you been in this job? Um I've been working for her off and on. for the past 3 years, since I was 18. Years. So, that explains the 3 months of. independence. We have a car loan. Yes. What is your car? A 2016 Subaru. Crosstrek. Okay. You. So, all of the money that you steal. literally just goes to shopping because.

again, if you're saving in what averages. out to be $40,000 a year, there's no reason why we would have a. principal balance here on this car of. 15,477. Why haven't you tried to focus on that? You say you make your minimum monthly. payment on this, which congratulations, basic minimum, but why have you not at. least use your degeneracy to. help yourself? Um. I honestly.

It's a 13.5% interest rate. That's. terrible. Sorry, go ahead. I honestly just don't. um. I don't really care to make more than. one payment on my car a month. Why? Honestly, cuz as long as I pay the. minimum, um. my mom won't get mad at me cuz she. co-signed on my car. Oh my gosh! How does everything connect. to this woman? Oh, what is this? Oh, this is.

definitely a unique situation. is. a kind way to put this. Um yeah, and that makes sense. So, are. you saying if she wasn't co-signed, uh. meaning she wouldn't care if you missed. a payment and you would just miss. payments? You only care to make the payments. because it doesn't make her upset? No, I mean I would still make the. payments, but they'd probably be late. Why though? Why? I typically always even though so my.

first paycheck usually so the due date. is I think the 21st of the month every. month. Um and I typically spend my whole. paycheck before that. On what? Um going out to eat, going out. to just do things. Why is that more important to you? Um. it. I just like to go out. Oh. I don't like to stay at home. I get that. Why is that more important. to you? I guess my mental health. It just.

health. It makes me feel better. play with that. It's not Yeah, it's. making you feel better. It's your. dopamine hit. It's don't What do you. wouldn't feel bad about missing a. payment? So, you can feel good. You get. the dopamine hit. You get the you know. more. you know, load me up, baby. We're going. and we're getting all those McFlurries. or whatever you're doing, you know? That. is a better feeling than any negative. feeling or guilt or fear of consequences. of missing a car payment? Um not the fear of consequences. I Yeah,

you know what happens when you miss. enough of them, right? Yeah, the repo. man comes. come. [clears throat]. Yeah, I um. I missed one car payment uh cuz I was. moving. So, my finances went to me. moving. Uh also destroying your credit, making it harder to get any other kind. of leverage in the future if you ever. need to. Yeah. Um. But so I missed a car payment and I The. next month I ended up paying the past. due one, but then I was a month behind.

Um and. uh my mom texted me. She's like, "If you. don't pay your car payment, like your. car's going to get repossessed.". I forgot you're her, too. Yeah, and I felt really bad when she. brought that up. It's a guilt thing. Listen, if for some. reason that's the reason you make your. payments on time, okay. But I would also like it just. because you have any sense of. discipline. You're 20, young. One, you. are young, but you are an adult. Three.

years of adulthood. There is certainly a. transition period, a figure-it-out type. period, absolutely. But if we're. starting to go into our 20s and you. literally wouldn't care if you missed. your car payment if your mom wasn't on. it because you would rather go spend. your first paycheck on fun. Like. I don't know, man. That's not That's not screaming much. hope for the future. That scares me. I mean, the minimum. monthly payment is $386. And trust me, you don't make a ton of. money. taking away the money you steal. But. $386.

at a 13.47%. interest rate? It's almost 16% of your net. How's the car? How's the condition of the car? How's. the worth What? So. Okay. Um I mean, my car is in decent. condition. It runs. Um. but. What's its condition? It runs. When I. first Well, it's not very pretty on the. outside. The bumper's coming off. Uh. when I first got my car last February,

uh I was at the gas station. W- w- w- w-. You mean like the February that just. happened? No. Uh 2023 or whatever last year was. Um. And I was at the gas station and I kind. of just rammed into a pole. Um and so my bumper is now. of just ran into a pole. What is I kind. of just ran into a pole? Um I. floored it and you just. I kind of bumped into it a little hard. bumped What is this kind of? What are.

you talking about? I asked my ex if I was going to hit and. he told me no, so I kept going and I. rammed right into it. How quickly? It. wasn't like two. But the car's beat up because of it? Yeah. Is that it? Yeah, that's the only um. Well, that's the only like cosmetic. issue. Um. but my AC. uh has like some sort of like leak that. we just found out about um right when.

summer hit. It's not the craziest thing. Plus Washington doesn't get that hot, so. It's been pretty hot these past few. weeks. It's been a really bad heat wave. 85°? Uh I think it was almost 100 like 2. days ago or something. Yeah. Um. Yeah, so there's that. Uh. my husband said my brake pads might be. shot. Husband? Yes. This is a husband. situation. Oh, I think you said that and. that kind of flew over my head cuz you. talked about the ex and you're married. Yes. Does he bring in money? Yes. Are you guys combined or split? Um.

we're kind of starting to combine. Starting to combine? How long have you. guys been married? Uh about a month. We. got married on June 3rd. Oh. How are his finances? Um. he's a little bit better with spending. than I am. I love that. I He doesn't have any debt. Really? Okay. Uh he's more He's a lot more responsible. with his What does he think about you.

literally stealing from. your mom? Sometimes he encourages it if. he wants to. it? You guys are gross. If he wants to. do something, uh sometimes he'll be. like, "Oh, like take the $40. Like just. let your mom know and take it." He'll He. wants me to let my mom know though. Like. he doesn't want me to just take it and. then not let my mom know. I'm taking money to go have fun. She's okay with that? Sometimes, yes. Most of the time she'll just tell me to. let her know before I take money so I.

don't overdraw her cuz I've overdrawn. her a few times. or does she not? I'm so confused about. this relationship. I I don't know. Sometimes she does, sometimes she. doesn't. I feel like it's a mixture. between you're like taking advantage of. the situation and then she also might be. enabling you as well at the same time. Meaning you're never getting like your. adult. a becoming an adult. You're never. learning any responsibility cuz oh, something happens, mom becomes, saves. the day. If you ever want to have fun, we don't have to learn how to budget. We. don't have to do all this. We just save. the day.

Listen, you and your husband should take. our budgeting program. Go through the. budgeting program, take all the quizzes, take the investing program, take all the. quizzes. Take advantage of all that. It's like the. Go through that. You guys need to learn. that discipline. But I don't think. that's the core issue here. It's It's. this weird relationship. What do you. think the car is worth? Oh god. You owe $15,477. on it. What do you think it's worth? I. think it's worth. about 10,000 last time I checked and I'd.

probably agree. Um my original loan was for like 19,000. I think. You're pretty close. It's worth 11,000. So, a little better than that but you're. still underwater like 4,400 or so. And. you're planning with this car? Who's. this minimum monthly payment till it's. paid off? What's the term length? Do you. know? Uh 72 months. Of course. Oh, America. When they. um so my parents had to leave when they. were like going through all the. paperwork and I didn't understand what.

they were talking about. Um so I kind of. just signed. What? But your mom was. co-signed on this. So she co-signed and. then they had to go somewhere and they. said that it was fine for me to just. like go through it. Oh. Um, and I. thought. What is happening in your house? I thought that a 13% interest rate was. good. Um, cuz I think like my credit card's. interest rate is like Yes. Yes, credit. cards are pretty much as bad as you can. get besides payday loans. Yes. It does. Oh, no, please don't tell me.

That. It's because something's better than a. credit card. I promise it's not good. Dude, the S&P 500, the S&P Do you know what. the S&P 500 is? No. Oh. My death. Okay. That's okay. I want to do some math. on the S&P 500 just for any kind of. context of what you have here. Essentially, okay. Oh. I'm going to read the literal definition.

so you have it set out for you. S&P 500. index or standard and poor S&P or. standard and poor 500 index is a market. capitalization weight index of 500. leading publicly traded companies in the. United States. The index include 503. components because three have shared. classes listed. Essentially, the way I. look at it and the way I try to explain. it to people is you're just investing in. the United States economy. Like they're. just the major businesses that are. running it. You're just investing in. like a little better than the overall.

stock market. So, I open up my Moomoo. app. That's what I use to buy. some SPY, some spy. This is almost as good as you get for. like an index uh, our being able to get. following index fund. The best return you should get on. average is 30 uh. I wish. 10%. 10%. You are at 13.5%.

Which one's bigger? 13.5. Yes. You have a long time to retirement. You. have 39 years before. you can take it out tax-free. Getting that 10% is 15,477. that's sitting there right now will turn. into 752,344. if it falls at average of 10% a year. But you're actually losing more in. interest. Not over that time. I'm not saying. you're losing $500,000, but you have a.

13% interest on this principal balance. You do in these car loans. Now this is. kind of fresh, so you're still paying a. lot of interest right now. You do tend. to pay more interest up front and less. over time, more principal at the end. Does any of this making sense? A little. bit, kind of. Just because it's less than 30% on your. credit card does not mean 13% is good. cuz really the best that you're thinking. of and just even in aggressive investing. is about 10% 10 8 to 12% even the best.

private funds typically, you know, compete with the S&P 500 and a lot of. them don't even beat it. [clears throat]. So no, 13.5 is not a good interest rate. I. Okay. Okay. I mean yeah, I. doesn't sound good now that you explain. it. So explain your Capital One. Quicksilver card to me. Um so I opened that card when I was. 19.

Um. and I opened it right after my grandma. died. uh because I wanted to spend money cuz I. was really depressed. Oh. Um. The money you're getting from your mom. wasn't enough, the infinite money. supply. Yeah, at that point I wasn't really. getting anything cuz they were having to. pay for the funeral and stuff. Okay. Um. so I opened up the Capital One card. um cuz I had decent enough credit. I. think my credit was like 660 at the.

time, which isn't the best, but for. somebody starting out, I feel like it's. not the worst. Um. and I maxed it out really quick. Um and then I would make my minimum. monthly payments, and then. um I kept just going through some. hardships a little bit. Um. cuz there were points where like. like sometimes like my mom and I would. like get into a fight and we wouldn't. talk for a minute.

And then you're not allowed to steal? I mean, I could have, but I didn't. because I didn't want to upset. [clears throat] her more. Sure. I wanted to be at least a little bit. respectful and not be like, "Oh, I was. just a you and now let me steal your. money.". Um. So you recognize you were the. Sometimes. Okay. Sometimes it's her, but. Okay. I can at least acknowledge that. sometimes it's me. Sure. Sure. Sure. Um. so yeah, I kind of just racked it up, started paying it off, and then stopped.

paying it, and then I go through periods. of time where I do pay it or where I. don't pay it. So where are we right now? Cuz it looks like right now you do. Um. Your credit limit is 500, so it's not. like you can go crazy on here. You were. at the credit limit, but then you paid. it off, and then you pushed it up again. almost right towards the credit limit. again. Yeah, so. want to say this is occurring, that. means you paid it off. So like, where what do we do with this card? So. my mom actually paid it off. You know, I thought I legitimately I'm talking to.

you. I'm breaking fourth wall right now. I thought we had a little piece of hope. in here right now. I put the second cuz. I knew the card that was going to be. bad, and then I was like, "We're going. to have some hope here. Let's come with. a little bit of hope.". Are you kidding me? Why did she pay it. off? She already She already gives you. all this money via. that you just take into your Cash App. through her debit card, and she just. paid off your card? She paid it off. is happening? To make my credit. score higher. Um Why? I don't want you to have access.

to credit or debt, dude. I don't want. you to. You don't know how to. Someone. like you who's young, who can take. advantage of the rewards. I want you to. open the Fizz card. I'll give you access. to that, but you can only spend what. like you put in it. It helps build your. credit. I agree, credit's good. But I don't understand what kind of. credit you can take advantage of. These. own you. And mom's not always going to. bail you out, be able to bail you out. How old your mom? She just turned. 43.

Okay, good for her. Like next not next. week, last week. She's young. Yeah. And I hope nothing. happens, and I hope she lives a great. life. Absolutely great long life. But if. something does happen, if you do not. have mommy to bail you out, all this credit card debt that you might. get into that, you hope she comes and. rescues you. Okay, she paid it off. She paid it off, cool. She paid it off, cool. What is. stopping you from building all the way. back up like you just did? Because guess. what? Oh, you did actually. You did. We're here.

This happened. So, you were at 498. She. paid it off, and then you spent 392. And what did you spend it on? You spent. it on Shein and Temu. Temu? Temu and no, you will never. respond to me to Temu. Stop emailing. You're a terrible company. Temu? What do. you even get through Temu? This is. worse quality than this piece of paper. And then Shein, you're Sheining? $268. of Shein? She pays off your card, and.

I'm like, "Ooh, okay, let me go get $268. of Shein." She's not helping you. What. what credit score is that helping? Because you built it all the way back up. to the max again. So, what are we even. trying to do? You're fully taking. advantage of her. Oh, It's It's be. It's stupid. It's selfish. It's a mhm. The Temu was dumb. I can admit that. The. Shein, I had actually lost a bunch of. weight and my clothes were all too big. on me. Um I had barely any clothes that fit me. Um so I.

like But why on the. card that she just paid off, you built. it all the way back up again almost. I. wanted to come home and have clothes. that fit me. No, no, no. Why on the card? That's the. question that I asked with my words and. mouth. I had no money, so I used my. credit card. But you take money into from her debit. card to your checking to cash app. Not. that I'm even encouraging that either, but you you've done that 200,000 hours. worth. What's different? You've completely just negated what she. did. She did this for you. What an encourager.

to she's just enabling you. Uh. evidence right here. But why? It's so selfish and disgusting. Does she know? Does she know you built. it right back up again? Um. Honestly, no. I didn't tell her. We've done it a few times on the show. Done it a few times on the show.

If, you know, in 20 minutes or now once. we get through this. can I call her or can you call her and. tell her? Yeah. Yeah? She might not answer. She doesn't. pick up her phone. Um Text her right. now. Tell her you're going to call her. in 20 minutes and it's important that. she would answer. You have something to tell her, something important to tell her. Congratulations on losing your weight. Doesn't mean you have to lose your. dignity. What? What is that little smirk?

What is happening? What? I'm sorry. I'm sorry. You know, this is like one of the most. disgusting things I've ever seen in my. life. Personally. I I can agree it's pretty bad. She didn't tell me. Oh, you did it. You. did it. If you agree it's bad, why'd you. do it then, huh? I don't really have an answer. to that. We're doing a fast food tier. list in the post show? I don't know. She just lost weight. It's not very fair. She shouldn't have fast food.

But I guess we're going to do a fast. food tier list in the post show. That's. fun. I love it. I'm going to do it. I'm. excited. Oh, you have a gift for me? I don't know. if that's going to bring me out of the. slump of hating this. That's okay. Would you like to know how I lost the. weight? Oh, sure. So, um. I used to be 237 and 1/2 lb. I was very. insecure. Um.

I won't go into the story of what. happened, um but there was something. that happened. And I spent all of summer. and like fall of 2021 just like and um. spring just being very insecure about. myself. So, um in like. end of summer, beginning of fall type. thing, I got bariatric surgery. I got. the sleeve. Wow. It like 20 19? 18. Bariatric at 18? Yeah. What?

I had tried to diet, but I couldn't keep. doing it. Um. but What? my mom paid for my surgery. Oh, I'm sure she did. Um it was 16,000. Um. and I ended up gaining all of the weight. back almost after my grandmother passed. Um. because I would go out to eat McDonald's. and Burger King and just all that. 24/7. Um so then my mom ended up paying.

for me to get on weight loss shots the. um tears appetite like Manjaro. stuff. Um so then I lost that weight again. Mhm. Um. and then um my mom just paid again for. me to have a tummy tuck and liposuction. Right now? Um I was actually supposed to. have it last month um but when they put. me under they had to wake me up cuz my. blood pressure and my um heartbeat.

dropped to like deadly levels. Why why why why why why why why why are. you getting liposuction? Um instead of. the work. Instead of working to get rid of the. fat. Oh. Um cuz. like my mom told me that I probably. wouldn't be able to get rid of it. So I. kind of just followed her advice. But. but you'll just put it back though. It's kind of like the debt when you debt. consolidate. without changing the behavior people. just build up the debt again. You're fat.

consolidating. You're going to build the. fat up again without changing the. behavior. If I went and. Noah. put his little mouth right here and. sucked all this all that sickness out of. here this would be back in a few months. Doesn't change anything. I don't know. I. don't know. And it also just feels weird. that she said that I'll be honest. Uh it's a little weird. Um. and I'm not uh I'm not against you know. medical. shortcuts. Again this is more I want to. make sure the behavior is changed. S- and she's paying for it.

Yeah. Do you want to? I mean now I don't after they had to. wake me up. Oh yeah that's scary. Um I'm really scared too but I told my. mom that I would go through with it cuz. she already paid for it. What why does she care so much about. She just wants me to be happy. Okay well. I want you to be happy too but don't. don't you think you'll just put it back. on again? Once you get. I'd hope not. Okay, well, that's not. anything. I.

I mean, I'm trying to eat less like fast. food and stuff. And? Um. I'm doing a lot better than I was. Okay. Um. cuz I used to just eat it every meal. every day. Um. but now I will actually make food at. home even if it's just a turkey. sandwich, I'll eat at home instead of. going out. to eat. Okay. I don't know. You You choose what's. You choose from there.

On that about that's. Well. Okay, we have student loans. Yes. What did you go to school for? Do. you have a degree? You work for your. mom. Um so. I've switched my degree a million times. It's always been in the field of. psychology. Um Wait, you spend $500 going out to. eat. I have your spending breakdown. I'm sorry, I had to interrupt you. Rewind for a second. What are you. talking about? You're doing better. You. spend $500 going out to eat.

What are you talking about? Sometimes I. go to more expensive places, too. Like my husband and I will go out to. restaurants. Also, dude, just your miscellaneous bull. category, which we're going to go. through so much spending here in a. little bit, is. uh $2,598. It's literally what you $94. more than hits your account on a monthly. basis. So, the rest is borrowed through Mommy? Yeah. Borrowed. Wow. This is This is insane. Okay, college, go. Um so, the first college I went to.

was I think it was Ball State. University. And I was going for a. bachelor's in. In Indiana? Yeah, but I was going online. Okay. Um I. was 17. Um. I took my GED at 16, graduated early, and then that was the whole like deal. between me and my mom was. I They're from Ball State. Suck. [laughter]. I would get my GED. Um. cuz I I didn't want to go to school. anymore cuz I was bullied really bad. And online school is just so hard for.

me. Like. [snorts]. Like. I don't I don't think um well, I can't I. can't say this for 100% certain, but. college is a different experience than. grad school. I'm sure some people still. get bullied, but I feel like. God, I never really even saw bullying. This is This is This is a very much, you. know, like. that's anecdotal. That's you know, you. can't base the whole world off of that, but. I really don't even hear again, that's. just based on my own experience, but I. don't even hear of people getting. bullied in college. Yeah. No, I don't Well, actually, I.

can't say I don't get bullied in college. now cuz there's this girl at my school. who likes to. You're in college right now. Yes. Oh my. gosh. Okay, there's a girl who likes to. uh like harass and attack people on. Snapchat. Oh, well, people in general. So, it's. not targeted at you. It's like. Well, it's targeted at me and other. people at our school because we'll call. her out for being mean people on like. the school story for no reason. Okay, so. she's just a just to the whole school. Yeah. Okay, so it's not targeted at you. for being you, though. Yeah. Okay. Okay. Most of the time,

yeah. So, you went to Ball State online? Yeah. Um. and. I can't remember what had happened, but. something had happened and I fell behind. in school. Um. Like 2 years ago, then. Okay. I left. Sure. Um and then the next school I went. to was. the. Chicago School of Professional. Psychology or whatever the heck it's. called. Okay, following Mama's footsteps? Sure. Yeah. So, a really exciting thing that.

you guys should be thinking about is we. [clears throat] now have all these extra. things with our YouTube membership. program. You can sign up for our post. show. We talk about extra drama for the. episode that we didn't have a chance to. dive into. Why would I want more than one. subscriber? I don't even want one. subscriber. You don't with You just. touch them and you move on. would I want to do that again? Because it's fun. Is that? And it's awesome. You're good. Easy, bro. How is Caleb as a lover? I'd give a solid nine. Wow! you get to a nine?

I just don't know how to answer that. because I mean, I just do. I just do. For the upper tier memberships, all the. people from the crew from over there, they come together, they make a crew. cast, and they talk about the behind the. scenes content and how we do everything. here. Like, I don't want to contribute as much. because I'm already so much on camera. That is the greatest thing I've ever. heard. [laughter]. Twice a month, no when I come here, we. have a live stream with you guys, and we. hang out with you, we answer questions, we chat it up, we talk about the show, we just have a good time. Caleb reads that book every day.

[laughter]. I actually wake up and then I goon to. that book in the goon stream. And then. most exciting, right here at this table. with even more pie charts, we have an. exclusive, uncensored, and free. financial audit episode for the top tier. members that no one else gets to see. anywhere else. [music] Consider joining. because ad rates are always up and down, and we're trying to build something. great here, and I wanted to make sure to. provide the best content and the most. amount of content that's ever been in a. YouTube membership. Link in the. description below. Um.

and I I think I can't remember what. degree I was going for. I can't remember. if it was just straight psychology or if. it was um. applied behavior analysis. I was going. to for one of those there. Um. and. Uh I can't remember why I left I I ended. up falling behind and left that one, too. Uh the next. can't remember why for both? Okay, that's great. That's going to prevent us. from doing it again. The. last school that I'd went to um well, so.

I went to two other So you've been to. three schools and now you're on your. fourth? Fifth school. Oh my. I went to Colorado Christian University, and my grandmother ended up passing. away. Okay. So And the fifth? Fourth? So I ended up. leaving because I just couldn't mentally. do it. Yeah, that's fair, yeah. And then. sorry, that is very hard and I do get. that. Yeah. It's okay to take time off, especially. in a time of tragedy. Totally. reasonable. And then the fifth or fourth. school, um what is it called? American.

like American Public University, something like that. I don't know. My. mom went there. Um The one now? Southern New Hampshire University. How. are you ever This doesn't make any. sense. What do you Why do you think. these other ones are going to be Why do. you think the next one is always going. to be better for you? I don't know. This. one, though, I'm already a third of the. way through my degree cuz you can take. classes. to get? A bachelor's in psychology. Okay. With an emphasis on mental health. Well, they don't have that. They're. focused on tech, but I gifted to someone.

you know. We can give it. Uh I can offer tech certifications. through Course Careers for accounting. and different things like that. So if. you ever want a resume booster or anyone. you know wants it, I'm happy to gift. that to you. They're pretty cool. Okay. How much have you borrowed total. cuz we have a lot of different student. loans here. None of them are super high. interest rate. We do have a couple. edging towards that five, but. uh most of them are at two. What's the. total student loan balance across the. board? Oh, I don't know. Maybe I think. it's like seven or eight thousand. It's not crazy, especially for someone.

who's been to five schools. Just I guess. you leave pretty quickly. Obviously no. minimum payment cuz you're in school. right now. Yeah. Okay. Then collections. And this blows my mind. how you even got into collections with. your just absolute beyond privilege. When people use the word privilege, this. is what it actually is. So. collections one? That is the school, uh. Colorado Christian University. You owe. $1,732. You on a payment plan? Are you on.

anything? Is it just sitting there? What's going on? it's sitting there. I was going to get. on a payment plan uh after the dispute. I wanted to see first if they accepted. it or not. Uh, you spent $2,600, $2,594. on. miscellaneous that doesn't. matter in a singular month. I don't think you need a payment plan. Just literally. spend a third. on that and you can pay this off. I. don't get it. Your priorities are.

Yeah, sometimes um. is usually my mom will help me pay off. my debt and stuff. You don't need her. Look at your. spending, dude. You just have to control. it. For sake. I have a headache. I don't I need you to like separate from. your mom somehow. I need her to like. stay alive but not in being like not.

I [screaming] just need like that you. you need to not be able to have access. to her somehow. This is like. cuz I have no problem with someone. helping someone out. And I have no. problem with asking for help either. But what she is doing and taking care of. you and babying you and doing all this, you're never going to grow the up. or learn how to budget or learn how to. manage your finances. You're never going. to be able to be independent ever. And you take advantage of it so crazy.

Dude, your mouth has never de-latched. from those. Dude, you are still right up on them. I've tried to make budgets like. with her like not with her money but. like with my own money but like go. through my spending with her and then. make budgets based off of what I make. Yeah. But most of the time like I've. done it, I always make less than like. what my bills and stuff are. My rent right now is $1,695. I was.

splitting that with somebody Um. and so I was only paying like. Get a roommate, again. So I have my husband living there and. he's actually going to start getting the. housing allowance from the army, so that. will cover our rent completely. So you are well within your budget. There's no other minimum required bill. that's here. Yeah. There's no other. minimum There's There's You're totally. Even when you had a roommate, you should. have had room in your budget. Unless you. were budgeting like a like this. like $800 for fun or something, then.

you're right, you probably couldn't. afford it. $608 in the cell phone collections. Okay, so Cash App is your checking. account, apparently. Yeah. Cuz you're a child. Okay. I couldn't I Every single time I signed. up for a bank, they like wouldn't let me. and then I finally signed up. for US Bank, but then they held my money. hostage. Like I literally had eight. 1,800 in there. Yeah. Um that they. wouldn't let me pull out, wouldn't let. me transfer. the reason? No clue. No no no no no no.

no no no no no no no no no no. What was. the reason I had it? No. They would tell. you why. Oh. They said They told me there was nothing. wrong with my account. ASPCA Donations, $36. So. You're stealing money from your mom to. donate to someone? That was for to get stuff for a game. That was probably not a smart decision. Like you could get like free coins if. you did a thing, but I canceled it. what? I can't remember what game it was.

It was like just one of those like. stupid phone games. Oh, you're getting. stupid gems. Bingo. That's what it was. Bingo! Your mom's not old enough to. steal money for bingo. And you're definitely not old enough for. that. Bingo? That's my favorite game. I went. and played bingo on my 18th birthday. Okay. All right. You know, that's fun, but also. we're not getting like. I We we don't. that's a form of gambling in a way and.

we don't get to do that. when we're in debt and relying on mommy. to live. Yeah, that's why I realized. that was stupid right after I did it and. I canceled it. Well, okay, 36 bucks there. Pokemon, Pokemon, Pokemon. What the. What is this? What is this? Three. Pokemon charges in a row, 14, 11, 11. Uh. What is three Pokemon charges in a row? I think one of them was for the Pokemon. Pass thing. robbing you?

One of them was for like not the Pokemon. Pass. What is it called? Like the. community week I don't know what. I don't know. I I don't know what it's. called but it's like you buy like a pass. and then. cuz I play a lot of Pokemon Go. I there better not be any more Pokemon. in your What are What are all these. Apple bills? 416, 520 These are They. have to be in-app purchases. 416, 520, 312. More Temu, $63. What are you? And then more Apple bills, $4.16, $4.16,

$14.56, $22.88, $3.12, $7.28, $7.28. What the are. these? Uh some of them are subscriptions. for games. Games? How many games? Like. eight. How many games subscriptions do you. have? I currently have. addiction? What is happening? At that point I had two. What's that. point? This is now. Well, so I had um I canceled my bingo. one but I had like a bingo like.

subscription. I actually had three and then I had one. for Yahtzee cuz I didn't like the ads. You You're 80. Um and [laughter] then I had another one. for like this like um. like paint by. number whatever game on my phone. Babe, this is way too many charges for just a. few games. No, and then some of them are. um. also micro transactions like within the. games. You have to get an extra dice in. Yahtzee? Yes.

Pay for it? Actually? Oh my. Or not extra, but like an extra Yeah, I. guess actually yeah, extra so you can. like restart your turn and stuff. Restart your turn? Yeah. So you're. paying to try to get a full house? It's ridiculous. Yeah, sometimes like I'll pay to like. get the Continental Kennels, $1,000? So that. Sentinal, sent- that's sentenial, sentenial. Yeah, sentenial kennels. That. was boarding my dog. For how long? A. month.

I was in South Dakota for a month while. my husband was training. Why didn't you take the dog then? A. month? I couldn't be away from my dog. for a month. Yeah. That's insane. I'm actually trying to rehome her. because I can't take care of her. Why? I just don't have the time to. What do. you mean? And like she What do you mean. you don't have the time, dude? Do you. know what you're Do you don't even do a. job. She Well, so I'm. sit at home going boo. I'm supposed to go into work, but I. can't because of her. She cannot be. crated. She has to come with me. She has. such severe separation anxiety that she.

will literally piss and all over my. floor and destroy things. Okay. Well, that's different. That's. less you not being able to take care of. her and more. she might have behavioral issues that. are But did you work with like a trainer. or something or like anything? Like or. maybe medication? on medication. She's just I'm not a dog. She can't do like she just can't exist. without like other dogs pretty much. But I don't want to get another dog cuz. I know I don't have that like I can't do. that.

Um so I had to board her. um while I was um gone in South Dakota. cuz my dad doesn't want her in the house. because of that. Okay. Well, it might be one of those times where. rehoming actually might be the thing to. do. I don't know though, I'm not a dog. expert, but you know, if it means they. live a better life, then that's. is what matters. But, you DoorDash. 7-Eleven. I can't remember what I DoorDashed from. there. Probably.

can you DoorDash from 7-Eleven? I know. you can DoorDash like Slurpees and like. food stuff. Honestly, I have no clue what I DoorDashed from. there. I've never seen that. That's a first. You may have been the first person to. ever do that, anywhere. Okay, more Apple, 963, McDonald's, 3542, holy. expensive McDonald's. I might have been buying it for somebody. else, too. Little Caesars, $46 for Little Caesars?

That's also a new Oh, okay. So, my. cousins were spending the night. That's. why I spent so much on McDonald's. Um. So, you use your mom's money for your. cousins? Do they know that? They're all little, so they wouldn't care. They love when. Little Caesars, DoorDashing Denny's. Buddy, So, that pick like Little Caesars and. the Denny's were also for the kids. The. little I actually did get money for the. McDonald's and Little Caesars from my. cousin, but it was put into my YouTube. bank account. meant for like 3:00 a.m. though. This is. like. Uh yeah, they wanted Denny's for.

breakfast and I didn't want to take. That was um. my car payment. I was sending it to my mom. games, 520, what did you get a game? Um. What, $52 Steam down here? What are you. getting? Uh that is for CS2. Counter-Strike 2. I buy. skins? Yes, and then I sell them for like I. don't. Hopefully a profit, but I sell them for.

a Steam profit so that I can get games I. want on So, you can sell them like. in um like on like external websites. where you can get real money, which is. what my husband does cuz he gets like. rare stuff, but I sell it on Steam so I. can get money for Steam games that I. want. And usually I'll make a profit off. of like the CS skins though and stuff. But what's the profit? Like two, three. dollars? Uh sometimes. something crazy here. Sometimes it could be I think the most I.

made was like. 75. off of one skin. And I had only spent uh 20 bucks, but it. wasn't even 20 bucks. of y'all have also lost money off of? Be real. I don't know. Exactly. That's how it. goes. Yep. So, yay, we had a winner, but. combine that all, aggregate it out, who. knows. [sighs]. Okay. What's this Square Enix? That is Final Fantasy.

Final. Buddy, is there a game that you've ever. gotten that you don't just spend money. in? Like this is crazy. You're obsessive. And none of it's even your own money. It's kind of gross. I I feel kind of. gross. Zoo. I think. No, Steam games $100, $5. $11. $5 and $5 and that's $50. You're getting. skins every second of your life. Yeah, I. was.

uh. that one was kind of peer pressure. I. was on a voice chat with my husband's. friends and. Your husband's friends? Yeah, they all do that too, but they all. also don't have bills or lives for that. matter. Um. so You barely have any bills. You've. just got yourself. um kind of what is it? Like. Um what is the word? Like. peer pressure. $110 on a Buffalo Wild Wings DoorDash. That was for my friend's birthday for.

um Yeah, but you spent it. Wasn't your. money, sure, but you spent it. Like this. is just this I don't know if I can. actually counteract this. I don't know. if I can get a plan for you cuz you it. says again you're just on the. you're just you're you're stapled to it. If this is a you're you you can spend. whatever you want cuz none of it even. matters cuz you're just taking it all. Tepex That's Minecraft. Minecraft is a one-time payment. It's. like I play on servers where you can do. like microtransactions to get ahead in.

the game. To get ahead in online. servers? Yeah. What are you getting ahead in? Like you. can mine slightly quicker? Pretty much. Oh! Just. enchant your axe. Just. go get go to the nether, get your. experience, and enchant the axe, the. pickaxe. On those servers you can't do that. What do you mean you can't do that? You. can't play the game in the. servers? Why would you even play in it? Well, so on the servers you have to like. I play like prison servers where you.

like mine. Okay. So, it's just all like mining, but. it takes a really really really long. time to like get anywhere. So. Maybe we should play on a different. server where you play real Minecraft or. something. I don't know. We're. That's such a Wow, they won. They won. They won. They're like, "Let me put. something someone Let me make the a fun. game the most boring game ever and make. it incredibly hard for anyone to play. unless they give me more money in order. to do it." And you fell for it. Yeah. I I can admit that I definitely.

Steam Steam Steam. 8th Day Nails. The I was getting my nails done. Um. Jersey Mike's Microsoft Is that Is that. more Minecraft? Um Microsoft. would have I think that's like one of my. I think I think Microsoft is my whatever. you call it like my word or whatever. Like I'm not 100% sure.

spent in Minecraft? Probably got like 5,000. Are you kidding. me over the course of what? 5,000 it's a. it's a it's a three. two years. Two Yeah, about two years. I don't know what. What can even be done with this, dude? $20 at Starbucks. Great, you got some burnt coffee. Some beauty products from Gloss Demon.

Bunny Bay $150. my lashes. Oh, why don't you just. paint them. DoorDash and Safeway. You're the only. person that DoorDash's gas stations. This is so weird. Safeway's a grocery. store. Oh. in Washington. And you DoorDash your. groceries? Uh sometimes I do. Um. How much was that for? And then you. DoorDash Gatorade. Applebee's.

Circuit M. 3. Oh, so that So that was when my. husband came home from training and we. wanted to go on a date night. So we went. out to Applebee's and we also went to um. like this um paranormal circ. Well, call your mom and tell her thank. you for paying for that cuz you didn't. Legendary Donuts, it better have been. good for $36. Spencer's Gifts, I guess. we're getting things to stick up our. Hot Topic, little less um rated R. version.

Venmo. This is crazy. Steam levels. So. $59.82. Steam What the Steam levels? That is to like. $107 to Steam levels. That's like up. your like level on Steam. I wanted to. make my level higher than my husband's. because he purposely bought more levels. to be above me. What are you guys What is your life What. is your existence? This is That's I don't even know what to. say. I have nothing. I have no reaction. That's just crazy.

That's crazy. I. What is there even to say? That's just That's. That's crazy. Why the do you do that? Who gives a. a Steam point? What? I I'm just. very competitive in that sense. winning, you're buying it. That is true. Yeah. Really? You feel a sense of pride. winning anything you cheated in? Sometimes. That's I wouldn't want to. play a game with you.

Wish you were competitive to get out of. that. Wish you were competitive to live. a better life than the people around. you. Wish you were competitive to try to. not, you know, still be attached to the mom, you know? Wish you were competitive for you to. live a better life. But, nope, you're competitive to get. Steam points. What a joke.

Wendy's Venmo. $2,000 in retirement. I'm actually kind. of surprised. I would have more, um, but a few years back, I got into a. really, really, really bad fight with my. mom, um, and we were not on speaking terms, and she had fired me, and I wasn't going to be able to afford. to pay my rent. She fired you? Yes. Cuz of an argument? It was a pretty bad. one. I Go on. Tell me Just give a.

little. About the argument? Yes, yes, yes, yes. Um, I can't remember. exactly what it was about. Like my dad. was like. anything, apparently. Like my dad was being kind of a dick, and so I got into a fight with my dad, and then it proceeded to become a fight. with my mom, and I kind of I threw a. taco at her, and I hit her golf cart, um, her brand. new golf cart with my car, um, and. dented it a little. The are you? Um, so. she fired me. She didn't talk to me for. a while and that was also like right.

after my grandma died so tensions were. just really high already because of. that. Um, it kind of all just boiled. over. Um, so I pulled out my 401k and I did do the. responsible thing and I did pay my rent. with it. I paid my bills and everything. I didn't spend it on stupid. So you get separated from the teeth and. you've had to drain your retirement cuz. you don't know how to budget and stuff. so you don't have money on bull. Cuz. again, I mean how much money do you think you.

spent last month? Again, what came in. through payroll? What came in through payroll? Uh, yeah, the 2,500 just about. Okay. What do you think you spent? Um, 6, 7,000. You. And you're just It was 5,300 which is. insane, but you're just like 6, 7,000. like it doesn't even matter. Why are we. I What can I do? Please help me turn this into something.

productive. For you. I'm sure it's productive for. someone out there that's like going to. want to be that and they're like. you know, they'll actually put in the. action. This helps people keep motivated. as they're getting out of debt and all. that stuff. For some people it's just. entertaining. So, okay, it's providing. good out there. Yeah, yeah, yeah, yeah, yeah. What the can I do for you. because this is insane. Like you don't. even get 6, 7,000. It's nothing. It. doesn't matter. What What can I do for you? Do you even. want to change? No, no, actually no, no, no. I want you. to answer that first. Do you even want.

to change? Do you want your life that is. happening right now to be different or. are you just okay with where you are? I. honestly I I want to be different. I. want to live the life that I live but. with my own money. I don't want to. not be able to do that unless you three. times your income. So, is that the goal then? Is that what. we need to do? Um. Does that change any of the. responsibility? Is that not just. lifestyle inflate yourself potentially? I don't know.

Um. Cuz. I mean, our like. our income, cuz now it's me and my. husband. Um. Yeah. [clears throat]. So, he'll be getting that house thing, which is like, I think he said like. between like 2,000 2,500. That'll cover. all of our bills. That'll cover. everything. of being spoiled from your mom, you're. going to be spoiled from your husband. No. Um so, that will pay that. And then, I. wanted to try to be a little more. responsible like.

What does that look like? Um. putting extra money towards my car. Instead of just paying like 30 minutes. ago, you were like you don't care if you. miss a car payment except for your mom's. on it, so that's why you care. And that's [clears throat] why I want to. finish paying it. Um because I don't. want her to have to deal with that. anymore. Is the car the problem here though? You. spent three times what you made. And of. that spending, 48% of it 41.8% of it was.

just on like games and bull steam and. crap. $514 was going out to eat. Grocery. store was 1.5%. of that spending. Housing was only 13.3%. of that spending. Other large purchases was 24.8% of that. spending. The other large purchases. was Chewy, Venmo went out $1,200. Parchment University Docs, ATM. withdrawal $205, and county records. Uh. yeah, the county records was my uh.

marriage license. The Chewy was stuff. Uh it was. medication for my dog. I don't need an explanation for all of. them. I'm just saying, is the car the. problem? It's. Spent $2,500 on games. It's as much as you bring in from your. income. So, I I don't I don't know. You might need a detox from the games, honestly. You might need to like get. away from that. You might need to find. other things to do. Cuz you can't play a. game without giving in to the. pay-to-play. You're EA's like wet dream.

Yeah, I I did notice that when I was in. South Dakota for a month, I didn't. really spend money on games. Maybe you guys need to move to South. Dakota. I think I'd spend more money. living in South Dakota cuz all I would. do is play games. So, your mom doesn't know you built up. the credit card. I I don't think she does know. Okay. Then, I don't I don't think. there's honestly two like you need to. figure out a lot of things. But, I think a good first step would be. at least taking some responsibility.

I want you to call her. Tell her that the card she just paid off. you built right back up again and it was. on clothes and Temu. And I. uh you Does she know about all the money. that you transfer? Yes. She does know. about it. Does she know where it goes? Yeah. And she's okay with it? I'm still so confused about this. I. mean, she I I don't think she is, but. What does she say about that?

I think part of her like reasoning for. not like caring too much is like we grew. up really poor. Like we were on food stamps and my. parents like. pretty much like. were I mean, they were more responsible. than I am, obviously, because they had. two children. Um but, they still like like we were. just like dirt poor. Like I couldn't. even like go out with my friends most of. the time if they were going and doing. stuff. So, I think that and that's also.

part of the reason why I spend so much. cuz I just get so scared that we'll get. that way again, but my spending. habits kind of Okay. Well, if she picks. up. uh. I want you to confess that you blew up. the credit card again and it was on. Shein and Temu. And then if I get the. opportunity to talk to her, I'm going to. recommend that she starts weaning you. off so that you can become an adult and. I'll tell her why. So, let's give her a call. Do you want me to put it on speaker? Absolutely. Okay. If you don't want to be 70 working and.

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Again, check out Wiser Advisor at the. link in the description below. Your. future self will thank you. Hello. Hey Mommy. Um I just wanted to let you know that um. this is anonymous but recorded. Okay. Um. [laughter]. And also my name is Heather. Oh god, I never would have gotten with. that. Okay. [laughter]. So.

um I wanted to confess something to you. Um. Oh god. So you know how you paid off my. credit card when I came to visit? Yes. Um well, after you had paid it off, I had immediately um. What like. Yeah, used it on Temu and Shein. Oh, [laughter]. I don't. know. I'm not surprised. Um.

Yeah, I I wanted to let you know that. Um. Thank you. Okay. I I have to ask I'm. surprised. [laughter]. Hi, I have to ask my my name is Caleb. I'm the host of the show. Um you don't. seem to care too much about that. Um. Yeah, I mean I I guess I. I'm so used to um. uh uh Heather. Hold on. We'll bleep it,

it's okay. I mean okay. To Heather, um uh. kind of. borrowing money when I you know, so it. doesn't. that it doesn't surprise me um that. she. did do that cuz I know that she does. rely on me a lot for. um. you know, she knows that she could just. like in fact today I was just looking at. my account and I noticed there's like. six or seven like cash app withdrawals.

that she she'll take 50 bucks, 25 bucks. um whenever she needs it and and it's. something that like. [sighs]. we've talked about and I'm like, "Okay, you've got to stop doing this.". But. um. it's not like for me financially. speaking, I it doesn't. like it's chump change to me, I guess. So it it like if it if it meant I. couldn't pay my bills, I'd be a lot more. upset. But my focus isn't so much in. helping her out. I like helping her out. and I'd rather her, you know, if if she.

needs money from me, get it while I'm. alive versus when I'm. But I I I do want her to get to the. point where like if I was gone or we had. nothing that she could be able to. support herself, but just because like. it's been ongoing like this is kind of. like an ongoing like, "You've got to. you know, be more responsible. You've. got to do this." And. um I guess it just it it isn't as big of. a deal to me because it's just something. I'm very used to. But. Do you know how much money that she's.

taken from you over the last 5 years? I don't. I'd be very interested to. figure that out. Can you figure that. out, Brady? It's about $200,000 as far. as we know. Oh my god, for real? Yeah. Does that include like it like paychecks. or is that just. from like cash app? Uh from our conversations, it sounds. like cash app. Oh my god, child. Uh also, so she.

[laughter]. in terms of how much she makes, you. know, working for you, she brings in. $2,500 net after, you know, everything. How much do you think she's spent in. this last month? Oh. Uh my god. Um it does that include. the tummy tuck? That's the surgery she paid for. no, that was not in the statements. That. was not included in that. No, she used her card for that. Um. Oh, yeah. So, that doesn't include stuff. that I buy, which isn't as frequent.

Though, usually she just takes the. money. Um. Uh. no, I have no idea. She spent, even though again, what came. in was 2,500 of her own earnings, she. spent $5,378. Ooh. And actually, it's more than that. because. when she came to visit me, I just gave. her my credit card and let her use my. credit. That was the last time we came to visit. when we came to visit last week. Um.

Yeah. Wow. Okay. I I do have to ask. and I know that I'm really bad I know. I'm 100% an enabler and you know, I. don't I don't want to be and I um and I. know Heather or sorry, Heather doesn't. want me to be either. Um. I I guess it's just kind of hard like. you know, like trying to make those. decisions for somebody else and feeling. like she's like she has full access to. all my stuff and she just takes it. Um it's not even like she asks, you.

know, like she'll just take it. And so, I just kind of don't know. Why. like I'm really bad at enabling her. Why. are you allowing this to continue. because she's, you know, from her own. confession, she thinks she's been. independent 3 months of her entire life. Like truly independent. And I think it's. creating a situation where if anything. and I obviously I hope this doesn't, but. if anything tragic were to happen, I. don't know how she would survive. I. really don't. Right. And and I agree. with you. So, this is something that I.

hadn't really given any thought to up. until more recently. And that's when I. started, especially like after she got. married and stuff and and I felt like. that might be a little. um helpful because now she has a husband. to kind of keep her accountable to that. spending a little bit more, too, but it. had it is something that I have recently. started to think about like, okay, so. what happens. you know, if if if I pass or or I lose. everything or whatever and I don't have. them the ability to help her anymore,

like what would she absolutely do? And. so, I don't really know how to help her. I'm I'm willing to cut her off. I'm 100%. willing to do that. I just don't know. how to help her kind of figure out like. a real budget and really sticking to. that budget, especially being from out. of state. Now, we don't live in the same. state, so it makes it a little more. difficult. Um. You know, but I'm happy to help in any. way I can. We're actually putting her. through a whole budgeting program, so. she'll learn that and she'll have access. to a bunch of different education and.

she has access to us for help. I highly. recommend cutting her off now. Instantaneously, maybe not. I don't know. if I'd give her access to be able to. pull whatever she wants. I think maybe. she would need to ask for things. specifically. that. I don't know how to just I don't. even know She's the one that knows all. the Like, I am so stupid when it comes. to. apps and things like that and I that's. actually one of the first things I was. going to talk to her about when she came. back was, okay, how do I How do you cut. yourself cuz she you know, I don't know. how to do that other than calling the.

bank. I don't even know if that would. help. So, yeah, having her she would. have to and it's just cash app. Everything else she does have to ask. for, but she doesn't because she knows. she's got that cash app. Yeah. So, I think, yeah. Where I I'm going to. put that as one of her first goals then. is to take accountability and do that. And then again, if it's more of a wean. off, like wean off, that's okay, but I. do think she needs to start getting some. independence, uh especially going into. this marriage, too, cuz I don't cuz from. the conversation it sounds like he's. excited to get some of the money, too, when they go and they just have fun and.

like Right. Yeah. They need to be able to be independent. Yeah, and I and I absolutely agree. So, any way that I can support and um I. don't know if like we know enough maybe. just says okay, you know, set an allow you know, limit to her. probably zero dollars, but maybe it's up. to this much a month you can end up. borrowing. Um, nothing Yeah, I don't know. I don't know. I don't know if you have any ideas. I'm. totally open to.

um, whatever they are. So, Now, the what the. final question I have is the word. borrowing was continually used for this. money, but to me it seems more like as. she's just getting it. Does she owe you. this back? No, I don't loan money to anybody. Um, and ask everybody I know. I'm very like. I. loans ruin relationships and so I don't. believe in them. If if I give you money, I give you money whether it's $10,000 or. $5. Like I don't expect it back. If I if.

I give my money to anybody, I always. expect that that money's just gone. Kind. of like gambling. If I want to go. gambling, I assume that I'm if I take. 500 bucks, I'm I'm leaving without it, right? You know, and so that's how I. look at at um, if I can afford to give. the money to somebody, I do it. If I. can't, then I just don't give it to. them. Yeah, I actually agree with you on. that. When I give money, I you know, it's you know, I don't expect to get it. back. I don't uh, complicate. relationships with a loan. However, that. being said, I don't think this money is. actually helping her right now cuz it's. literally all going to video games. All.

of it. Oh my god. Honestly, I didn't know that. Yeah. Oh yeah, it's just in-app purchases and. it's it's crazy. Well, uh, hopefully. she'll send you this episode and you can. see we go through every single purchase. I plan on watching it. Yeah, when she. told us for like we're having a launch. party, we're going to watch cuz I want. everybody to be able to kind of support. her in this too. Like, you know, and. even my husband hold me a little bit. accountable and tell me, you know, like. you know, make you know, if he has to. nag me or or whatever. I just I want her.

to be able to. be able to budget and be comfortable and. like you said, especially with the. marriage, you know, I want her and um, her her and her husband to be able to. put money away, have a savings for them. for the future or for whatever they may. need it for. I don't want them. you know, cuz I don't think he's he's. not a big spender like she is. So, I. don't think. I think that that could be a real issue. with their marriage, too, if she keeps. spending like that. So. Perfect. Well,

thank you so much for your time. Um you. know, we're going to wrap up this. episode, but we want to do a follow-up. with your daughter in about 6 months and. see if this actually changed and if. she's actually like kind of cut off. So, you know, I'll kind of you know, virtually from here hold your feet to. the fire a little bit on that as well. Hey, I love it. Okay. Okay. Cool. Well, thank you so much for your time. I. really appreciate it. No, thank you. You. guys have a great day. You as well. All right. Bye-bye. [sighs and gasps]. So, yeah, we want to have you on the. follow-up channel, which by the way, there's some actually great ones link in. the description below.

And. that's what I think. The main thing for. you. I don't think. sitting here and making a budget is. going to be what makes sense cuz that's. not your issue. I you're going to figure out how to make. a budget through going through the. program. Cuz if I can make you one, it's. just like you're not going to. That's not what's solving. I need you to. disconnect from the Cash App, sit down. with your husband, figure out what your. goals are, figure out what you want to. do. I need you to actually start taking. accountability, be mature, stop taking.

money from your mom, have those. conversations. Even if it's a win off, that's okay, like fine. If it's a. marathon, it's not a race. We're just. we're trying to get there in the end. And um. we'll do a follow-up in 6 months, but. that's the first step I need you to take. and then go through our educational. program. And I need you to cut down the. bull to practically zero until you're. out of the car debt and out of the. collections at a very at a minimum. minimum. I really think you can. And then I think you can do really good. on your retirement.

Yeah, I I wanted to put more in. Um I. just do the minimum that like the. company matches right now. And that's fine. That's a 100% return on. your investment. And you will. it's not going to really outside of the. match it's not really going to compete. with that 13.5% interest. Remember what. we went over? So, pay off that debt. Pay off the. collections. Grow up. Let's see a little bit of progress, but. mostly the separation growing up and. having started to make a budget and. trying to follow and cutting your both. down.

That's what I want to see when we meet, okay? Okay. Okay. I'm going to get you a. Hammer Financial score and we can. compare it to whatever the Hammer. Financial score ends up being next time. Spending the budget, I mean it's zero. out of 10. You spent. compared to what you made and you had to. take money from your mom and. Debt, you have collections, so it's a. zero out of 10. Emergency fund, you. don't have anything in savings, zero out. of 10. Retirement, you do have What was. it? 2,500? Something around that. At 21, you know, okay. I'm I'm shooting for a solid four.

out of 10 there at 21. Re- Real estate, though, zero out of 10. So, Hammer Financial score, I think that. is going to oh going to round us. I only. round up. I don't really round down. unless I. hate the person or no, I was feeling. that a little bit towards the beginning. I don't know. But that's okay. Your mom gave me a bit of happiness, especially since we're headed into the. post show. That's good. But one out of. 10 is your Hammer Financial score. Make. sure to stick around for the post show. link in the description below and you'll. also find links to resources like our. budgeting program and other things that.

I use and that you could use as well. So, make sure to check this out and. stick around for the post show. Today on. the Financial Audit Post Show Let me go. ahead and present Caleb his gift. He might use the post show budget for. these. [laughter]. I'm not saying this. ChatGPT is saying. this. Okay. Whoa! What are we doing in. the post show? Can you teach me a lot. being a son? Welcome to my stream. I'm. so happy you could join me today. We're. going to have a super fun time playing. To watch the financial audit post show,

click the join button below.