F*ck This Pathological Liar | Financial Audit

You are a liar. I am not a The numbers. are the numbers. I need you to listen to. me. I don't care. That's the one thing. I'm not a [ __ ] liar. I am not aing. liar. What the are you talking about? You don't know what the you're talking. about. Either aing [ __ ] or a liar. And. we've discovered it was a. liar. Download my budgeting app today. and take control of your money once and. for all. And for a limited time only, sign up for the annual version of. Premium and get my cookbook and notebook. signed and mailed directly to you. link. in the description and pin comment.

below. Hey, my name's Pandora. I'm 27 years old. and I live in Orange County, California. And you're watching Financial Audit. That's such a pleasant intro. What a. pleasant intro for what is probably. knowing this show going to be a. nonpleasant conversation. So, uh, thank. you for the slight bit of joy that I get. to feel. Well, let's get into the pain. What do you do for a living? I recently just got two jobs and I work. in the beauty industry as a social media.

marketing manager as well as like a. digital marketing manager. So two. Yes, it's two. And these are separate. Yes, different companies. Yes, technically. three cuz one's like equity based. But. um is it for the same company or. different companies? All three are. different companies. Well, what's the. other? What's the equity based one? Cosmetics. They're all cosmetics. What's the job? Uh, one is a influence. No, the the the equity one. Yeah, that's. what I'm saying. I don't I'm not paid. I'm paid in equity. What's the job? I'm.

a social media manager. Okay. So, two. social media managers and one brand. manager. Is that what I heard? Yes. My. official Okay, let me give you my. official titles because it's a little. confusing. So, and the joy is. immediately gone. One is a social media manager and. influencer manager. Cool. Let's start. with that one. How many hours a week? 30. minimum, but I go up to like 60. What do. you make? Zero. Is that the equity one? Yes. What's your. equity? Uh, I'm not allowed to say.

necessarily. Can you give me a range? Five digits. No, no, no, no. Uh, no. That's what it's. worth. Is it a publicly traded company? Not yet. Okay. So, bull basically, but. pretty much. No, no. Like, like do you. know like percentage- wise? Like no more. than this percent. No more than 20%. That would be insane for a social media. manager. No more than 20% better be like. 2%. Well, they like really value all the.

work I put in cuz it really and they. don't value their sock. Okay. And this. other job. Um let's start with number. two. Number two, I am a social media. manager more for community engagement. How many hours? Minimum 10. And they. have asked me, "Are you comfortable with. exceeding that?" And I said, "Yes.". What do you make in that job? That. barely hobby of a job. $30 an hour.

Yeah, but 10 hours a week. It pays my. car payment and I'm okay with that cuz I. need our minimum acceptance and. achieving the survival of life. Okay. Sure. Okay. So, $500 a week with that. one before taxes. I'm not sure. I'm I'm. sure there's not much with it. But third job. Third job. I am the lead. project manager for multiple accounts.

Uh, sounds exciting. Let's hear how it's. not. How many hours a week are you. working? 20 hours minimum. There it is. $35 an hour. How many hours a week do you work? You. keep giving your minimum, which is. great, but how many hours a week do you. work? I just got signed on like two days. before this. So, it's starting at 20. hours. Okay. 35 an hour. Mhm. And you manage. accounts, but there's no commission, no. retention commission, no signing people. up commission. Is this flat? It's a.

flat. And the reason why it's flat is. because that's not in my remitt to on. board. It's just to help the process of. bringing an idea to execution for Okay. So, I'm going to assume not much is. taken out in terms of taxes. But of. the,200 that hits on a weekly basis, let's say you walk away with a. thous contracting positions. Yes, everything's contract. Oh, for sake. Are. you setting an adequate amount aside for.

taxes? No. For [ __ ] sake, what is. wrong with everyone? What is wrong with. everyone? What? Why? Just why? I haven't. had the chance because I haven't started. these jobs. I Wait, you haven't got You. haven't started the 10 hours a week job. yet either. I just started it yesterday. What were you doing until a couple weeks. ago? I did not. I didn't have a job. I. just resigned from a huge position. When? In February. What was the.

position? Digital and social media. manager. How many What were you making. there? $100,000. And you resigned? Yes, I had to. I was in the position where I. resigned for and I chose my mental. health. That's what I did because I had. been there for 7 years. Will your mental. health be better if you'reing homeless? Cuz here's the thing. I'm good with. leaving a job, but you got to have. something lined up or a very chunky.

extra emergency fund to give yourself. the room. I did. I did. When you say. did, does that mean did as in it's gone? you. I'm sorry. I have so much money. saved. That is not Listen, that is not. what What's your What What do you need. to make? What What's your minimum. expenses? Everything together. A lot. First, yeah. How much on a monthly. basis? Do you even know? Do you even. know? You probably don't even know. Do. you know? I bet you don't know. No, it. was close to like 3,200 and monthly. baseline expenses. Okay. So, you had.

like a 3mon emergency fund. Yes. That's. your extra super duper chunky emergency. fund. [ __ ] you. Like that's not six. months is what we go for minimum. And I. was going to suggest if you're just. going to leave a job without something. lined up, 12 months. So you give. yourself six months to find something. Yeah. But you were in my shoes. You. would have been like I'm choosing. myself. I'm not I'm that is a part of. yourself though. I I agree. I agree. If. a job is not working, if you it does not. agree with you, leave. That's what I. did. with a caveat. Have something lined.

up cuz you're going to yourself and then. your mental health is really not going. to be good when you can't pay rent and. you have all these fees or you get. evicted or a car gets repoed. I was willing to take the risk. Well, you took the risk and now you're on this. show which means things are not going. well which means choosing yourself is. yourself cuz we really don't allow. people on that aren't in that position. Yeah. But at the same time, like I am so. much happier as a person than until you. lose the. roof. Well, you have jobs now, but I'm.

assuming you've drained through that 10. Yeah, I'm at like 3,000 now. It's what. now? 3,000 3600 3,700. We'll. see. What's the plan? What the is going. on? Or No, I think I know what's going. on. Why are you here? What's your intention? I am a recovering shopaholic and to be.

truthfully honest, like painfully. honest, I am afraid of what damage I. could do in my life. And so I the do you. mean I have these damage? Yeah. Like I. have these crazy impulses and financial. like is that why you buy Play-Doh. lipstick? That's mean. That's mean. And. these were gifted. I hope so. You're. unemployed. I'm unemployed now. Okay, keep going. Um, so I am just like naturally just.

afraid of what I damage I could do. because I will get in these mental. positions where I'm like, it like I'm. going to go do what I want to do because. I want this. I want this now. And then. how often does this happen? Not that. often right now. How often does this. happen? When I had that six figure job, a lot. So now that money is coming back. in. I am getting It is more like Oh, [ __ ] This is like pent up to at this.

point. No. No. Oh, come on. I have I. have Okay. How often while you're making. six figures? At least once a month. Just like And. what does that look like to you? Like. $1,000. I would just like dump out. $12,000 a year. You made $100,000 before. taxes. So, you're spending probably. close to maybe like 20% of your net. income on just shopping sprees. But it's. not like just clothes. It's going out. It's being with friends. It's eating, which we can budget in if we don't have.

debt. But we know you have debt. You. just bragged about being able to make. your car payment. Yeah. So, I felt at that time I had the financial. freedom and I Yeah. for my lifestyle and. for my needs and my expenses like I had. some extra to spend but I did you have. bad debt. and like my car but that's it. That was. it. So the credit cards have built up. since leaving. only a little. Only a little only. Come. on. You got credit card debt? Barely.

like I mean barely. You have no respect. for money then. Thousands is not barely. still. But I do have respect for. uh like some stuff I guess I I. mean what I have respect for like you. know at least I shouldn't say respect I. I am mindful I am mindful when it comes. to like spending in certain areas like. you say shopaholic I you cannot control. it when you go I can control it that's.

noting shopaholic but before like I am. trying to keep it together now but in my. past I was when you had a job and then. you didn't have a job and maybe you're. able to manage it better, but now you're. going to see income coming in again, which means you're probably going to. fall back to not being able to control. That's why I'm here is because that. income is coming in. It's much less than. that six figure job. You're not even. going to set anything aside for taxes. You're going to see that as spending. money. I know I have to. I agree. You. have to. Trust me, I have to help you. with seeing the position of this show.

That doesn't mean you will. I will do. it. I am confident in that. Like that's. where I just need the hard lesson of. just like you need to do X, Y, and Z. I. can't keep relying on friends and family. to be like, "You should do this, you. should do that." Because I get nowhere. and I get so lost in the mix of opinions. where if I have the hard lesson from. someone who doesn't know me but can be. like, "Or Pandora, you're. being do this." And I'm like, "Oh, okay.

I can do that." But if my dad tells me, I'm like, "Whatever. Love you, Dad." But. like, why are you in that? because I. make some bad choices. But why? You just. gave a wholeing splurge that sounded. relatively reasonable. At least compared. to some other people on this show. So, what the are you talking about? I have. impulses and I'm just scared. What's. your impulses? Cuz you just said you. were able to control them like a minute. and a half ago. I have impulses at times. and go on. Like just being a part of the.

moment. I'm very generous when I hang. out with people. I hate when money is. the obstacle of just with the group or. if someone can't come hang out. I. haven't been making money for months. Well, that's a. pretty that sounds like an obstacle. I don't want money to be the obstacle. for somebody else. It is though. But if. you have to cover them, that is an. obstacle. But wouldn't when you don't. make money,

it's different though. I feel like it's. just different when I am I just like I. feel selfless. I'm trying to be selfless. when it comes to like hanging out with. my friends. It's just dumb. I don't. agree with you. It's not dumb. You don't. agree with me that it's not dumb? You're. draining your emergency fund. You're. draining your emergency fund and it's. not dumb. What the are you talking. about? Not dumb. That's the dumbest. ever. That means someone gets to hang. out and have a good like for example. This past weekend my partner's friends. came up. They were visiting for the. first time. My partner. My partner's.

friend like best friend screams rainbow. No. Oh, man. Yes. Okay. Yes. I say. partner just, you know, just this. Sure. Most women on the show are gay these. days, so I don't Okay. Well, I'm not. And um All right. Don't be homophobic. That's I'm not homophobic. Caleb, but. his best friend came up with his partner. or Yeah. who is also a woman. And um his. best friend's a woman. No, his best friend is a guy who brought.

up his girlfriend. It's their first time. visiting us in our town. Okay. And we. took him out to breakfast. We showed him. all around town and because like it was. our vote of like, "Hey, let's go out for. breakfast." I picked up the bill because. like we ran a $200 tab on, you know, every, you know, breakfast item and I. was trying to be like welcoming and. nice. Enjoy the moment. I want you to. marinate. No job. So that's an. emergency. Yes, I am a nice person and I. want people to enjoy it, but it's not an.

emergency. I don't care if it's an. emergency or not. I So, you use your. emergency fund. That's not how that. works. That's not true for everybody. I. already knew I had two jobs coming in. coming in. They wasn't coming in yet. You're still draining your emergency. fund. I don't care. I I I don't care. What the heck are we doing? If it meant. that person had a good time and they. enjoyed, they ate, they're happy. Our. straight partner's best friend's. partner. That's the person we're.

draining our emergency fund from. This. is so your car breaks down. What if your. car broke down while you're on a point? I would have the money cuz I had the. emergency fund. But yes, unless you. didn't cuz you drained it down to three. in two months. I need you to listen to. me like this. That's the numbers. Is. that not the numbers? I don't care if. it's the numbers. What I care about is. the experience with my friends and the. people and like you can't tell me you. wouldn't have been generous if you were. making the same amount of money. I was. in survival mode back then. I wasn't in.

survival mode. I knew you. You were. unemployed. I know my baseline expenses. I know how big my emergency Yeah. 3,000. No, my emergency fund was over 10,000. It was this last weekend you said. Yes. Went down. Whatever. But my point is my. point is is like people got to have a. good time. They got to not think about. the money. We all went out to breakfast. What could they have covered for the. experiences? I am and I have a job. I. can budget it. I put it in the budget. I. don't drain my emergency fund. They will. come back. That's not how it works all.

the time. All of my finances that whole. month were paid. Everything was fine. emergency fund okay with allocating the. $200 from that. You know what he's going. to have an emergency though. But it was. okay to them. What? It was okay to them. Great. Good for them. Because it was. okay for me for them to because you got. lucky. Because you got. lucky. No emergency happened. If it did. and it was more than 3,000, then maybe. we shouldn't call it an emergency fund.

Maybe we should call it the fall fund. I. don't think that's not what it is. That's not what it is. That's what it is. to me. It's not an emergency fund. Like. have it. I don't care at this point. Like they had got to have a good time. I. enjoyed myself. I enjoyed their company. Expensive for no reason. Okay. It's. stupid. I get Could they not afford it? They might not have been able to. I. don't know. One of the the girl was from. Vietnam. She wasn't She was visiting. with him because they met in Vietnam. What do you mean? Okay. Good for Good.

for that. So, they come here for. breakfast. I don't know their. financials. And so I had offered because. I know my financials and I could have I. know they could pay for travel from. Vietnam. Well, I don't know how. expensive or how my business. I don't. care. What I cared about was I care that. you had an emergency fund and now you. barely do. You didn't even have enough. of emergency fund to quit your job. Well, yeah, but I at the end of the day. like I just She accepted that one at. least.

I just wanted them to have a good time. and not I know what you wanted. I am not. against the heart of it. I am not. against the want. It is bad for you. You. got lucky and you still haven't had pay. and you won't get pay for a couple. weeks. No, I'm submitting my invoices. tomorrow. They already like they they. said like, "Please submit. We'll pay you. for the month." Like I I'm sorry, not. tomorrow. I I submit it for You said. yesterday was like your first day. Yeah. Yeah. What the [ __ ] are you talking. about? So, you're barely going to get. you'll get paid like $5. Woo. It's not.

$5. It's like $300 for one job for a. week and then you said you just started. I know, but like I'm submitting my May. invoice. Oh, you get paid in advance. Yeah. Like. just for the scenario of like when they. onboarded me and when I started, like. I'll tack those extra days of the end of. this month to that invoice and then. include that month invoice. When does. the money hit? Uh, I have a net 15 on. all of my invoices. So, within that.

bracket when I send it. When does it hit? I don't know. So, you might be draining your emergency. fund even more. And that's the thing is. you're spending it on someone else's. some uh Vietnamese breakfast. Okay, great. Not a Vietnamese breakfast. We. went to a normal breakfast place. She's. just from Vietnam. She was cool. And. like it was her first time in the United. States. So, I just wanted to, you know, make her feel special and, you know, take care of her a little bit.

I'm not against the heart part. I just I. don't think you understand the. importance of an emergency fund and the. risk of it not being there, especially. since you have a. partner. How long have you guys been. together? Two years we've been together. on each other. Not financially. No. Okay. We have everything separated. Well, guess what? He probably would have. stood up and helped you if you drained. it all the way to zero. Meaning you're. honestly just letting him be your safety. net. Uh I don't rely on him not rely.

financial. No, I would never ask him. really. If you had no money, couldn't. pay rent, we're about to get evicted. He. would not help with even without you. asking. He would. Exactly. So there's. that little safety net there. And that's. allowing you to [ __ ] around. No. This is. where I would not ever think about a. safety net coming from him in our. relationship. Um, but he would you have. that extra support system. and you're just able to [ __ ] around and. buy.

I wouldn't ever rely on him though in. that respect. But you know it's there. But at the same sense like and with all. due respect to him like he doesn't. necessarily know about all of my. finances and everything that's going on. And so I don't the you guys have been. dating for 2 years. Why isn't there any. communication? You guys going to get. married? Wait, you guys don't even talk. You do not talk. No, we do talk like we. talk some about finances, but I don't I. would never share with him like, "Hey, I'm at rock bottom. Come save me." Or. say, "Hey, I'm at rock bottom. Just.

wanted to let you know, but don't do. anything about it." Like, so he would. allow you to get kicked out on the. street? No, he would watch me grind. together. Huh? Are you guys going to. live together soon? We do. Oh, so. there's a safety net. He'd cover rent. No, he wouldn't. I would never let that. happen. Not in a million years. I would. never let that. I would run to my. father. I would run to family members. More support. More support. I would run. and pull out of my ass before ever. looking to him and saying, "Can I have. some of your money?" I am not that.

person in my relationship. But you would. take from others. I Well, I know that my. dad would understand my position and I. know he Your position is you decided to. have fun while you were unemployed. You. were fun. having like all this fun. blowing my emergency fund on just random. [ __ ] all the time. I have your. statements. You were not doing it all the time. You. were not employed during these. statements. I have your statements. You. can't get out of aing lie. I'm not going to work. Mhm.

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the problem that is holding you back. and check out Kickoff today. Thanks. again to Kickoff for sponsoring today's. video. Let's get back to the episode. That's the one thing. Don't I am not. aing liar. I am not aing liar. And you. know what? There is one other income I. did not talk about. Um a fourth income. miscellaneous $1,000 last month. I time in that $63. I was also working. for an only model and doing her social.

media management. Wait, you were DMing. You were being the DMER. Not entirely. I'm not like posting tits. What? No, I'm. you was using her accounts for like or I. was posting on her like Instagram and. Tik Tok. Of course, it was like fully. clothed. It wasn't nudity, but she was. giving like sex tips and stuff, but um. when the account started, it didn't take. off as fast as the agency was hoping and. so they uh pretty much discontinued it. But I never really had any people going. like, "Here's when did you do this? How.

much did you make? How long?" March for. three weeks and I made. $250 and I have not gotten paid yet. So. $1,000 of miscellaneous bull spending. $615 of going out to eat spending. Yeah, you were a liar. I am not a liar. The numbers are the numbers. I'm not a liar. It was a lie. What do. liars do? They lie. Or you're ignorant. I'd rather be. ignorant, but I'm not a goddamn liar.

Well, you'd rather be ignorant, but I. don't know which one yet. You spent minimum. $1,615 minimum. We have more to go. through. Way more on bull. Straight up. bull things that do just go out and. bull. $1,615. We know that when you were. making zero or at the best $250 for an. entire month, not draining your. emergency fund of bull. That's bull. That's a lie. That's a lie.

And you need to recognize it. You know. what? I never gonna get anywhere. I own. my mistakes. There it is. There. There. they are. This is what I'm talking. about. Hey, lady. Here they are. Those. are the mistakes. And your mistake was. you lied. Whatever. I'm not a liar. Then why' you. lie? I'm not a liar. But why'd you lie? I'm ignorant. I would choose ignorance. So you didn't know that you were going. out swipe swipe swipe swipe swipe swipe.

while you were unemployed. You had no. idea a month ago. I knew what I was a. month ago. Okay. So you're w So you were. lying. I am I would I lying. You told me. you were not doing anything and spending. all this money on phone and draining. your emergency fund with that. Oh, but. you did. There's some things that I. would like. Yeah. Okay. You know what? I'll meet you in the middle. There's. some things I would splurge on. Few. hundred bucks here and there. So she's. changing her statement. that I would yes I am changing my. statement. I do acknowledge you spent.

money knowing that I did not have. income. However, there was a moment in. time where like I had worked mying ass. off for seven years at that company that. no vacation. No vacation for seven. years. I gave them tears, sweat, and I'm. like could get emotional over it. Dude, it just sounds like you'reing working. I. just It's so much deeper than that. And. I gave them my I respect the grind. I. don't I but I don't like jerk people off.

over them. I'm sorry. It's like you. didn't take vacation. A lot of people. don't take vacations when they're I did. Here's the thing. I did take vacations, but they never let you take vacations. because they'd call you, they text you, they hey, you know, Pandora, we need X, Y, and Z. We need this. Was it a small. business? Not I mean, yes and no. How many. employees? 10. That's really hard because that. means you are likely an individual. contributor and even though yes, we want. you to take a vacation and we want that.

If you're gone for a week, that lightly. can shut a lot of things down. Now, it's. management's responsibility to try to. find a way around it to disturb you. less. But in a situation like that in a. small business, it is harder. I get it. I get it as the person who runs this. small business and our business is. larger than that. And it's when someone. takes time off and we want them to, it. is still difficult that maybe something. didn't happen. Maybe it wasn't fully. prepared and a DM is required. Yeah. Whether or not you want to. And here's. the thing in all of it, too. There was a.

period in time in that seven years where. I was okay with being that resourceful. person and being, you know, reachable. And I had, you know, there was times. where I had about it. You were grinding. We all grind out at a job for a while. Well, because there's some trauma in it. and there was some there's a lot of. stuff in it that's like on the emotional. side, but in terms of just the hierarchy. of everything, I grinded my ass off for. this one business for seven years, I. left abruptly. And so, for the first. time in two months that I had no job, I.

[ __ ] off and did whatever I wanted to. do. And I don't But then you have to. budget for that. And also and also and. also and also you told me that's. literally what you didn't do. And also, you told me that's literally. what you didn't do what, 5 minutes ago, 10 minutes ago. I don't know at this. point. So, it's like, okay, which one is. it? Are we deciding? We're just trying. to look good. What are we doing? So, we. need to have just a [ __ ] reasonable. conversation here. I need to know where. your brain is. I made mistakes in the. two months that I did not have a job.

And that is the person that I am afraid. of when I get when I have these new jobs. with these new incomes. Yeah. I'm. letting% bleed into especially since. you're not going to make as much. You're. not going to make as much and you have. to set 30% aside. What are we talking? What was it? A,000. No, no, no. Okay. $30 for 10 hours. minimum right now. Plus the 35 an hour. for 20 hours minimum. So a,000. Did I. get that? 35 * 20 + 300. So a,000 a.

week. Yes. times that by 52, divide that by 12, we're looking at. 4333. But after setting 30% aside, we're. looking at making. $3,333. Uh, not great for Orange County. That's why I'm here because I want to. restructure my finances so I can at a. certain cost of living place though,

there is like little that just like a. budget can do. You can't live in. manhattan on $50,000 a year and a budget. will just fix it. Like you have to be in. like a rent controlled situation from. like 50 years ago or you have to like. sleep with a rat or just who knows? Like. it's or you just have to make more money. or you can't live in Manhattan. Like I. don't know if this is what situation. this is. I do have to highlight that. this is the minimum amount that I'll. make every month because I also have my. own business where it's a marketing. social media like digital marketing.

social media agency. um that will bring in the additional. hopefully income and potential clients, but I'm not relying on it. I'm not. relying on it in this conversation. In. your own mind, now that we know if. you're lying to anyone, you're lying to. yourself until you come around and say. the actual truth. What did you spend. your money on in between then and now? Um, in the last two months, part of that. money has gone. to the foundational stuff, but I think. the most important to highlight is.

what's foundational, like rent and my. car payment. Um, but in the last two. months, it had to go to an attorney. because I hired an attorney for a. lawsuit that I had to be a part of. What? I can't speak to it too much, but. it's ongoing. Uh, yes, it is. It is. I. mean, I'm not a part of it anymore. I. was brought in as a witness, but there. was And you had to hire an attorney? Yes. Yeah. It better be safe than sorry. What's it cost? $6,000. How much you pay. for them? Affirm. Oh, you affirmed a.

lawyer to be a. witness. Oh, for sake. I had to because. there was not only just a witness, I had. like him overview a lot of contracts to. make sure. So, this is for work. Yeah. This is a fun one. I get to get you free. money and then I get to get myself free. money. It's a pure win-win for both of. us. What do you have to do? Sign up for. a SoFi high yield savings account and. get a welcome bonus of $300. Sign up for.

Acorns using my link and get $20 instead. of the usual $5. Finally, sign up for. Silo and earn up to $5,000 in cash back. on your own stocks. These offers have. been negotiated to give us both more. money than using traditional signup. methods. So, use the links in the. resources section of the description. below and get yourself. $5,320 right now. Who's in trouble? Not. me. Not me. But I was worried I was.

going to get in trouble and so I hired. the attorney cuz I needed a third party. Again, it sounds like potentially this. place was a good place to leave and I. support that. Spend a little time. grinding. You already did it for 7. years. Call it 6 months more. Save up. more money and then leave. or apply to. jobs like it's your second full-time job. and leave when you get an income even if. it's less of an income that is okay. I. couldn't Caleb for I I couldn't I had I. I felt not that I had I felt that it was. in my best interest and for my future. and my mental health that I needed to.

get out now get a goddamn attorney to. protect myself. Why couldn't you save up. more money in the seven years you were. there then? You only had 3 months set. aside. because I spent a ton of money. from bad habits and I actions. consequences and then you were dealing. with that. I want to grow as a person. That's why I'm here because I'm scared. of that. Stop with the That's why I'm. here. Such an annoying trope. I I'm not. like I am right now trying to get to. know you. Trying to get where your mind. is at. That helps us as we go through. the financial situation. I'll get you a. budget. I'll give you some tips. I will.

set you up withing all the resources we. can. I'll put you all through our. classes. You get the premium versus the. budgeting app therapy with Sandrabine. We'll do anything. We'll do anything. I. got that. Okay. I cannot fix your. absolute you though. Yes, I can't fix. that. I am not a therapist. I can maybe. readjust your mindset and certain. things. You need to be called on it. because I will lie to myself as you've. seen through this little tidbit is like, but if you recognize it, why can't why. don't you why aren't you doing anything.

to fix it? When I recognize flaws, I try. to do something. I did. And then I had. this income come in and then I. blindsided myself. No, no, no. Like this. six figure job. Yeah, but that was for. the last seven years. Yeah, but it kept growing over the last. seven years and like I couldn't adjust. in seven years. My expenses never. changed. Like my 20 to 27, you could not. adjust anything. I did. I used to be. much worse. I used to be a freaking. monster spender. Like we're talking 40. up plus $40,000 in credit card debt. I.

don't have that now. I've changed in. that regard of like hyper spending and. or hyper focus. Are you living paycheck. to paycheck now? No, absolutely not. I. will be probably after we go through the. numbers and the new budget with this. income. Pretty damn close. All right. Well, where do you think you. are in the world of your finances? 0 to. 10, zero being the worst, 10 being the. best.

Five. How the five? You're draining your. emergency fund. Financial score. When. did you take it? Two months. A month. ago, like when I applied, I was a nine. And I was like, there's no way in hell. Did you take it correctly? That's what I. was asking. You own a house? No. You. wouldn't have been a nine. Well, that's. why I was like, is it nine out of 50? And like I don't know if I read it. wrong. I pushed something. Yes. You. probably didn't get to the final score. It was probably nine out of 50. You. probably saw that part. probably a two.

All right, guys. If you want your Hammer. financial score, take the assessment, figure out where you are in the world of. finances at caleb.com or head on down to. the link in the description below. Also, make sure you download my budgeting app, guys. Thousands of people are taking. taking advantage of it on a daily basis, new people, and they are signing up for. it. They are changing their lives. Remember, when you sign up for the. annual version of Premium, I will send. you the cookbook where you can't get it. anywhere else. I will sign it and I will. send it directly to your. doorstep. All right, and if you want to.

be on the show, make sure you apply at. kale.com/apply. All right, let's go into. the. numbers. What. the the am I looking at? Camera, can you. tell me what the am I looking at? It's. new camera, new angle. Tell. me the There's nothing here. Is that a. balance? Is this a debt? What are you I. don't know which statement you're. looking at. I I don't know either cuz it.

is not a statement. Is that a. screenshot? Like a meme. Oh, this is the. recent one. This is my Delta American. Express. You're spending on it like crazy. You're. spending likeing. crazy. Okay. It's your MX. Mhm. What's. the balance right now? around like 5,000. 3,000 in emergency funds. No, actually. not. It's really 2,000 sake. But that's.

where I I do have to disclose my. attorney fee. Um because I did not think. I was going to get called into the. actual hearing. But you affirm that, not. an American Express. Well, no, no. There's a 5,000 affirm retainer that I. had to do to hold him for like all of my. contract revisions, all of that stuff. And then I didn't think I was going to. get called in as a witness because I was. just subpoenaed to be a part of a. deposition and so he had to attend. And. um when they said, "Oh no, you're going.

to be a witness in this." I had to pay. extra to have him attend. How much? Um I believe it's now 2,200. So the. question is one that's only half. But. the question is if you had to put $2,500. on a thing when you only have $3,000 in. emergency fund. Nope. Income. No idea. when the income's going to be coming in. Hey, let me continue. You don't even. know. And you have to be able to pay. rent, but that's about to be drained by. the time you get paid again. Okay, great, great, great. But we have a. credit card that's really only we have. $500 now because $2,500 on a credit. card, $3,000 on emergency fund payments.

coming whenever. I don't know, but we. got to do our expenses. So, what do we. decide to do? What do we decide to do? We double it to 5,000. In what world. does that make sense? How do you double. to 5,000? Brewing. Let's go get uping. brewing. Midjourney. We're paying for. midjourney. Liberty Sports Bar. Stellar. Brew. All we do is get drunk and No, Stellar Brew is a coffee place and then. caffeinated the next morning. Well, that's fried pizza. Wait, wait, wait, wait. Edward,

two of those. Two of those compassion. Are you going to justify it? Give me. compassion on this one. Two of those. I. took my friend out who just went through. another court hearing. Not my. girlfriend. Like my friend, my girl. that's a friend. I'm not dating a woman. I took her out. She just went through. court. She had to appear in court. She. was a victim of domestic abuse. I can't. I was just helping. I was being a good. friend. And then during the hearing when. we had a break, I took her out to. coffee. Helped her out there. Got myself. a little something. It was a [ __ ].

rough day. Okay. So, you can justify one. thing out of a thousand. Two. At least. the two out of a thousand. I took her. We went to go get a drink after and I. was like, of course, everybody offered. to pay and I'm, you know, I just I hate. this. I don't hate it. I love being the. person where it's just generous and just. like helping out in the moment. Stop. because that's also for yourself. I. don't want to exactly because it is a. want to my and work 10 different jobs. There is a psychological argument that. it says that you know all a lot of the.

gift giving a lot of stuff like that the. selflessness a lot of it comes from. selfish behavior though because it's. making yourself feel good. It's not like. you're doing a bad action, don't get me. wrong, but at least recognize that it's. because it makes you feel good that. you're doing all this, but you're still. hurting yourself. I there's that's you hit the honestly. like you hit the nail on the head of. like self harm in that way. All right. Well, that's the not necessarily a core. character trait of myself, I feel, but. it has been a lingering demon in my.

closet. You know what else is lingering? Distant brewing. premium. That's for you. Well, thank you. I. appreciate it. The ads actually give me. more money, but that's okay. Yeah, I do that. Australia Hoff. restaurant distant. brewing membership. Is it ours? Yeah, you have the membership. Yeah. Then this is theing the battle. This is. the mental battle I have. It's like it's.

a business. It's good. But what just. like also I'm like a big fan of and like. but you're [ __ ] dying. You're dying, dude. I don't feel like. adults should be able to decide what is. best for them and we should be able to. put out the products. I feel like. stupid. I just I You don't even. subscribe to the good version. You. subscribe to the post version which is. fine, but the elite version has like so. much more content. I was telling your. team earlier I was like I really wanted. to subscribe but like I was worried that. it was going to be like a point of. contention in our conversation. But we.

had a free month. Oh, I didn't remember. a couple months ago we had a free month. Oh, I didn't. Oh, for [ __ ] sake. I'm. sorry. That's okay. Athletic thing. That's my gym. membership. Stop. Stop. $356. You what? It's for my boyfriend's. birthday. Your boyfriend's his birthday. No, because he deserves to be treated. well on his birthday. Go ahead. Suck his. No. Well, poor him. I don't like I I. would I want to take him to Vegas for. the first time. like he hasn't been.

since he's like six Vegas. What the? You're an unemployed tit. I don't care. if it means you don't care. You're a fan. of the show and you don't care. You. That's what I say to the fan of the. show. [ __ ] you. No, you don't care. I. care. I care. I want you to do well. You. are a human being that exists. No. No. Why can't he have a go like have a. good birthday? Maybe his parents should. pay for it. Maybe he could pay for it. Maybe you can get a job. Maybe you can. make savings. Maybe you can stop [ __ ].

yourself and then he says I didn't save. for it or that I was able to enjoy his. birthday by not doing something. extravagant. It's not extreme or like. we're going to go to a different state. in a different show in a different city. Come on. It doesn't have to be that. Doesn't have to be that. Trust me, you. should have seen what I did last man. A. back scratch. Boom. Birthday gift of the century. Well, you know what? I appreciate the. feedback, but Okay. Well, we're going to. bring him into the post show, especially.

since he doesn't know your finances. So, [ __ ] you'll see that. Would you. rather treat him to something great? Congratulations. You paid money and. you're not going to survive and then. you'll never be able to treat him again. That's not true. What the They said you. spent $7,000 on his birthday last year. No, that was my dad. Wait, who? Wait, what? You spent $7,000 on your dad's? Yes, I had the money at the time. 7,000. That. was a month's worth of your income. It. was a month's worth ofing income. That.

one sucked cuz it was a month's worth of. income. You can't do that. What the was. the birthday? It was his 50th. It was. his 50th birthday and nobody else was. going to throw it for him. And I Your. mom's not there. No, she passed away. Oh, okay. Damn it. Um, I'm sorry. It's. okay. But I had the money and I wanted. to No, he's not remarried. You know. what's scarier than financial audit with. six figure debt? Leaving your family. unprotected because you kept putting off.

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meatfabric.com/caleb. mefabric.com/caleb. Let's get back to. the show. Um, he tried. Sorry, Dad. He. tried. He tried. What happened? Um, it's. just they it's just like a two. personalities that just I feel are not. meant to be together, but they kept. trying. Um, so what the $7,000? Uh, the. venue and the food. I did it. What was. it? It was a restaurant and it was a.

private like sector possibly cost. $7,000. Open bar and open like a. wedding. What the are you doing? Well, it's an expensive town that we live in. and it was like supporting a small You. need to learn how to do cheap things. supporting a small business. You're a. small business now. Congratulations. The. other one was going to be $15,000. Great. Let's choose the neither of. those. Well, I was going to Well, it was. also a surprise party, so I couldn't do. it at the house because it's his house, you know. Oh, do it at a park. Do it at.

McDonald's. Do it anywhere. I wanted to. give him something that not only he. could remember, but appreciate you hole. and now you can't survive in your. great He's seen his failure of a. daughter. I did. not. He would be very proud of me. And. he is very proud of me. Does he know. your finances? Yes. He knows that you're. about to be broken like a second. Kind of. I've worded it differently. Right. Yeah, that's a good way to get. someone's proper assessment of what they.

really think. Well, manipulate them with. your words. I'm not a manipulator, but I. definitely care about perception, which. has also killed me in the past. Well, if. you manipulate them to perceive you. different, you are a manipulator and a. liar. It is what it is at the end of the day. But it is what it is. You just you. just you just it is what it is. Being. called a manipulator. Okay. Wonderful. That's my dad got to enjoy his birthday. in a very emotional window. That's the.

heart of it. You have to understand what. I am saying. It is your. uncontrolled uncontrolled spending. You. are not able to do these things that you. want to do. You are pretending in that. situation that you made $300,000 a year. you are now living like you still make. $100,000 a year and you make zero. dollars right now. So this like I'm not. against the heart. If you can afford it, if you can budget, do it. No one can. budget one month's income to a birthday. party. Well, I had budgeted what's. actually crazy is I had budgeted 6.

months in advance because I booked. everything in advance so I could. sprinkle it across my expense sheet. It's a birthday. It is a birthday. I. love planning. I am such a good I should. have been an event planner but like I. love planning for people that why. couldn't you have planned a better. unemployment emergency fund then I. thought I you can't plan anything for. yourself you can only plan for others. aside 10 grand is 3 months of your. living expenses and that took me out. from underneath my feet no it's not the. attorney stuff you put that on debt just.

your living expenses constitute three. months. $10,000 like I I want to give to my. family too but again you just have to. budget. You're just living off of like. you make 300,000. But I I you know I just I would give. anything for my friends and family and. I'm also being asked by my grandmother. for $10,000. What the to her unemployed. granddaughter? Yes, she had asked me for. $10,000.

doing. She is not a She is not a She's a. nice lady. What is this old bent doing? I'll give you that. But she is she had. asked me for $10,000 for her website. because she is a caregiver. Yes, she's a. caregiver. She's 82. She cares for the. seniors. She is a hardworking immigrant. who has never Mexico. and she has not stopped working a day in. her life since she was in sixth grade.

And part of her venture Yeah. part No, she takes her vitamins. She's all about. drinking her vitamins. and she is like a. steel horse still. I want the money for. to to build a website to be a resource. to other caregivers and she thinks that. that website where the does she why. can't she just go on Squarespace and she. doesn't know better and I'm trying to go. on Squarespace for I'm trying to teach. her and I'm also trying to tell her. because she's also she asked her. unemployed granddaughter for $10,000. I. told her no. I told her no. Yeah, but.

she asked for that. I know. Well, you. know, she might be tonedeaf. It's okay. She's old. I'm, you know, it is what it. is. Well, people don't get they're like. they're old. No, but they get desperate. and she's trying. Is she desperate? She's very desperate. She's desperate. She's poor. Very poor. Reverse mortgage. on her contract. Oh, she's been working. all her life, but she didn't save. anything for retirement. No, because she. put all of her money into her own. entreprene what the caregiving business.

No, this was for another venture on like. disposable toothbrushes that she thought. she was gonna Isn't every toothbrush. disposable? I told her no. Isn't every. toothbrush disposable? It's like looks. like a mint and you pop it into your. mouth and like you roll it around your. mouth and then that's that. And then. like you spit it out and throw it away. But because they were plastic, not. environmentally friendly, the government. was like, "We're not going to buy this. because our men overseas are not going. to use this or men and women overseas. are not going to use this.

Um, and we're not going to litter her. all over. So, oh, for sake, we all had. the same reaction of like, god damn it, woman. Like, please stop. She took the. risk. I mean, that's the point. I mean, that's the point. But that risk also. jeopardized all of our family's finances. cuz now my brother and I are getting. ready to supplement that reverse. mortgage. Sometimes the entrepreneurial. stuff and like many of the want to be. entrepreneurs on the show, a lot of it. comes with it's not just them. They'reing it's it's risk on people. around them. That's my heart. But that's. the best. She had the opportunity to do.

that and she chose to do that and now. she has to deal with the consequences. No, don't give her 10,000 and she should. be ashamed of asking her unemployed. granddaughter for $10,000. Did she ask. everyone? She asked my father, too. She's for Yeah, he said no because he. also I have one younger brother. Did she. ask him? No, cuz he's like 21 and in. college. She asked her unemployed granddaughter. That's the reason in my brain. I didn't. ask her why she didn't ask him, but I. told him and he was like freaking the.

out. It just sounds like your family and kind. of rubbed off to you or just bad with. money and just different ways at this. point. I don't know. Yeah. I think one. of the like worst habits I got from my. family's generosity is when we see a. potential job offering or a potential. client or like another small business. that's like a family friends will buy. that product or you know support them. that way. Yeah. And like one of the one. of the companies that I tried to support.

was this clothing brand that for two. months they had dragged me on of like. we'll give you a job. We want to expand. it to you. They weren't friends. They. were a potential employer. a potential. employer and I wanted to like check out. the quality of the product and like. experience what the customer would. experience. And so I bought like $500. worth of clothes over the course of a. month and unfortunately some of the. quality is just right. What is the. minimum monthly payment of the MX?

I don't know. For [ __ ] sake, pull it. up then. Can I get up my phone? Yeah. Yeah. It is. No, apparently you used to be fat. Good. job. Yeah, I was a big girl for a long. time. How much do you pay a month. for that medication? That was epic. Yeah. Uh, I paid $550. Oh jeez. But I. used to pay $25 before they rolled out. the coupon and then my insurance would. cover it. I turned 26. Then I got booted.

off my dad's insurance. And then uh quit. your job. Then I lost my job and I. stopped. You didn't lose. Did you quit? Yeah, I resigned. Um, my minimum monthly. payment. Is that not the same as. quitting? It is quitting. Yeah, it is. I. say resignation. Just Was it a. government job? No, it I worked for a. niche fragrance brand. Um, I have I. don't know what my minimum monthly. payment is cuz it just says it just says. zero. It just says. $5,833, not 5,000.

So, it's worse. Yeah. What is Wade? Okay, that's the Twitter. Tik Tok in and out. That was for. LinkedIn. I'm canceling LinkedIn optimum. internet. distant brewing. There's Mozart. She. went to Mozarts today. The coffee. It. was great. No, actually the coffee is. not that great, but I loved it. But the.

view and aesthetic is incredible. Oh my. god. And those homes are the coffee is a. bit on the bitter side. They overcooked. that. I could see that. It was pretty. good. Like compared to my at home or. county to stop being stupid. Facebook. advertising $1,646. Oh, that was from my previous employer. So that credit card used to be on their. company account for But you have to pay. that. They paid it. I already paid that. off. They gave they reimbured me. But. they would use my credit card. It says. planet. It doesn't say it's No, you you.

should see there in the transaction. It's at least in here, too. Oh, okay. I. do see that. Yeah. Okay, just answer another restaurant. I. was just going to restaurants every. second of our life. You're right. I. can't see a minimum of payment. And what. in the world? Credit limit 32,000. No. Oh, so scary. I don't believe you. I did. before. I had a really fast. I don't. believe you. I used to get up there. Nope. Mm-m. I'm going to guess it's like. $300 a month. Okay. That plus car pay. Hold on. I never pay the minimum monthly. pay. You run out of an emergency fund.

before you get paid. Oh, you don't seem. to understand how money works. No, I do. You can only do that until you don't. have any money and you are this close to. not having any money. Give Give me this. It sticks. Snap that. It does stick. Give me this. Oh, don't delete the app. Not deleting. the app. What app? Oh, there would I be. deleting? I don't know. Delta or AMX or. whatever. I don't know. What the [ __ ]. I don't know. You're swiping. I don't.

think deleting the app's going to do. anything for you. Looking at your. subscriptions while you're. unemployed, funemployed. Oh, is it not working? Why do you have a. phone? I just dropped it by accident. Stop. But it's insured. I pay for the. insurance on all of my stuff. Great. It's sticky. I can't get into your subscriptions. It. won't even let me. It's so I bet it's so. that it won't even let you look. Here, I'll show you. It's.

not. here. Oh gosh, this is Oh, it just went. Here you go. It's loading. Oh, two Apple Cares. One's huge. Yeah, the MacBook. You don't need Apple Care. for a MacBook. Come on. Unless you just. throw in it. Apple Music, it's a bit. expensive. Apple TV Plus, it's great, but it is money when you're. unemployed. Verify. Definitely don't. need that. Come on. No, my cousin uses. it. I don't give a [ __ ] Make them pay for. it. You're unable. I know. I know. 42.

bucks. But at the same time, like she's. single going on dates. I don't care. Okay. I do. Make her just pay for it. Just make her. pay for it. I do need to ask her, but I. haven't. She had Facetune, then she got. skinny and she deleted it. No, I had. Facetune for my job. I used that for. like some of the models that we had used. because sometimes they had Okay. All. right. They did reimburse me for some of.

that stuff. Can I. Well, did you go to college? Yes, I have. a bachelor's in science in business. management. Okay, good. Listen, I don't. know. As you're along this journey, if. you want any additional certification, I'm happy to gift you one from course. cruise. It's our audience use. It's what. my employees use. It's good stuff. If. you need that, we'll give it. Let's move. on because we've been on that card for a. second. Apple card. Great. Yeah. This. one I have the hardest time with because. I feel like I don't spend that much, but.

somehow it accumulates. I know it sounds. dumb. It sounds dumb. I'm not I don't. feel like I am at the end of the day. Like it's piles up and I don't know. Like I've noticed throughout this. journey of kind of liquidating what I. need versus what I don't need where. there's some expenditure. are you. talking about? You spend. $1,615 minimum on [ __ ]. month. Minimum. What the are you talking. about? You don't know what the you're. talking about. Again, either aing [ __ ].

or a liar. And we've discovered it was a. liar. Don't try to make yourself look. better than you are. It doesn't actually. help you. Acknowledge your flaws. Move. on. Still not a liar. Let me see your Apple balance on your. phone. No. How much is it? No, I don't. believe you. Just pull it up. Sake. I don't want to. Hold on. It's.

on. $1,7895. The are you doing so stupid? There is no need to make this worse. $95. minimum payment 18.24% interest rate. Why? Why does this need to be. disgusting? Well, I use it to like when I I put it. on the mirror. Uber, Uber, Uber. Uber,

Uber, Uber. You didn't need all that. today. No, we did because we were. because you had fun. Well, we did like. you would have just gone to here. Well, I did have fun. Exactly. You had. fun while unemployed and having no money. and draining your emergency fund and. having to pay lawyers and around and. destroying your life and while our. grandma's begging for $10,000. She wasn't begging, but she was asking. around for sure. She probably doesn't. have enough oxygen left to beg. That's. her version. No, like I said, steel. horse of a woman. Like she's like 5'9 in.

a spicy funny fry, some grocery outlet, bargain, Etsy, Airbnb, Wall Street Journal. Expensive. It's 32 bucks. I know. I need to cancel. it, bro. Well, that's the one we use. And that's 45 bucks. So, that doesn't. make sense. Why is it supposed to be more? You said. you were 500 a month for what? Your. OMIC. I stopped that. Oh, and then you. switched. Yeah. And I do natural. supplements, but I haven't gone through.

with row. I just right now I'm talking. to the doctor to assess what would be. best for cuz interestal diagnosed. pre-diabetic PCOS. Like I have a Yes. How much have you lost? Almost 100. pounds. How are you still pre? It's just. my family has a history with diabetes. Yeah, I was going to say you don't look. super unhealthy. Doing pretty good right now. I feel a. lot better. What the are we getting on. Etsy while we're just dying?

What the are we getting on Etsy while. we're dying? This small business that I. love because they create all these. where humanoid where humanoid what the. is all the cosmetics. and those were those were gifts to other. people because I wanted them because. they were going to promote the brand as. in part of my network. What brand? Humanoid. We are humanoid. It's a. cosmetics brand. Okay. I think you just need to go get a.

real. job. One real job. I love what I do. And. I like Yes. But I'd like you to get paid. and not be paying weird money in. different places from private accounts. One singular job. Get deep into that company. Grind. Prove. you're indispensable. Move up. did for. seven years. Yeah. But at a potentially. bad and so I'm doing it again now of. starting from scratch. Yeah. But you're. a three. You can't hyperfocus. You can't.

hyperfocus and bring it back. The reason. why I've spread myself to three is for. different experience. My resume has only. shown one business in a few different. positions and I'm looking to fly my. wings a little. Take a little bit of a. deep breath. Try something new. Deep. breath. You can't afford life. Yes, I. can. Once once I get paid, I will be. fine. find out you're going to be $3,000. a. month. I know you all got ideas and big. ones, too. And maybe it's a short film,

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give you more hours, but we just need to. start out here. Trust me, that doesn't. always especially with all the tariffs. and going stuff going on right now. They've asked, you know, let's start. here, but we will use you in other areas. that will require more. How much did all. thising cost? Look, you'reing loaded. Um, that was probably close to like. $12,000. And that's just tattoos are. soing stupid expensive. It's not just. for my arms. I have a good portion of my. body pretty congratulations. It's so.

[ __ ] stupid. It's so expensive. But I. did all of this. When's the last tattoo. you got? Friday the 13th. Like last. year. Gosh. So, not while I'm unemployed. I. lied. No, nothing while I've been. unemployed. I only until you have a. six-month emergency fund. Noing tattoos. Yeah, I haven't. I And I want to I'm not. going to. Are you? I don't necessarily. believe that. Look what you're spending. 1,000. I need to fry you my money. I.

agree you didn't. This last month going. to do. That's what I've I would like to. believe that, but you did not leading. into this conversation. You're a person that says good things. and then you don't do them. That's not. true. I've liquidated so much stuff. since I lost my job where I've canceled. subscriptions to like my favorite things. of different drink companies or just. small stuff that was, you know, I could. pull from my paycheck. Stupid.

Do you have any tattoos? No. I'm afraid. Do you want one? I've. wanted potentially a base cleft right. here. I'm not getting tattooed if that's what. you're asking me. I could tattoo you. No, I'm not getting tattooed. Like these. little I brought you a little gift where. it's a stencil and we can put the. product on. What product? It's the. humanoid. product. And uh it's Oh, youing. plug. I just wanted you to like have.

some fun and add some color and like. experience what a tattoo could feel like. because I didn't see any, you know, see. any on you when I was watching some of. the episodes. So, I don't know. Have. some color. Have some fun. No needles. No needles. Only a sticker. You can put a dick right here. I'm not going to do that. Well, that's. the only one I consent to. Okay. Well, what? I don't know. Why don't you put it. there? You want me to show you the.

stencils or Oh, it's not custom. No, you. can pick. Show me the stencils. Let me get my my bag of treats. here. Well, I'll just show you one. sheet. So, it's like unless you want a. few different like I have these. designs. Where's the I think you might. like something like that. Oh, this one's. a This one's a good one, too. If you.

want to. try something of that, I have pink, purple, green, red, white, green for the. show. Do this little dinosaur guy. You. want to do that one? Let me find. the last for three days. Are you. purposely plugging this? No. Cuz no. offense, I just wanted to give this to. your team. Like this is a risk of that. business. I that's that's. you just have to let it I feel like a.

fifth grader. A cool fifth grader. Yeah, but this is. what they do at the like park on a. weekend. That's not what kids Have you. been to a park with kids? Yeah, I just. Yeah. No, I was on a walk. Just let that. dry and peel it off. I was at a I was on. a walk and there was like, you know, kids playing in a playground and a dude. uh was set up doing little, you know, little temporary tattoos, little little. painting things. Okay. It's exactly what. they do. Well, this isn't like a water.

transfer thing, but just let it dry cuz. I kind of applied it a little thick, but. it's Do tattoos just show hair? Cuz. that's all this shows. Well, it's just. cuz it's wet right now. It'll look cool. after. I like it. Full product review. Let's find out. Yeah, just let her dry. Let's double the love. Ulta beauty. reward every Okay. I love Ulta. Why? They love you. You're getting fees. and interest. It's aing late fee. Come.

on. That was my bad. I've been No, I. know. No, it's bad. Here's the thing. My. bad. What do you mean? No. No. It's your. bad. I thought it was on auto payment. and it wasn't typical. I get it because. I was being careless. Caleb. Yes. Is. that what you want to hear? Yes. I was. being careless. And now what is going to. suggest that you will be careful? I have no money, so I need to be. careful. Now you're actually recognizing. you have no money. Now you're saying. that cuz guess what? This whole time.

you're like, I can survive. No, you're. not. I'm not if you have no money. I'm at the point. of really being desperate and uh of you. know kind of sticking my neck out. financially and you know making sure I'm. not making the mistakes that I used to. and this is unfortunately one of them. that I made all but so it's not a big. fee any consolation you kidding me it's. a fee when you're unemployed and have no.

money and you're draining your emergency. fund and building your credit card to. the It won't happen again. I've already. set it up. I already set it up. None of. this will happen again. Actually does it. right before I don't have the physical. card. So, I only had it signed up for. one. a digital wallet. It's not in my digital. wallet. I don't think I don't use it a. lot. But I only use the We owe. $249.13, $2.58 of interest, $200 of. purchases, but then the fees, blah blah.

blah, $40 minimum monthly payment. That one always acrus baseline of $20. cuz that's also holding my chat GBT. subscription. Ulta. Yeah. The just easy. points. Yeah, but then you acrew interest in. late fees, so your points. It doesn't. make any sense. And you know what? The. only reason why I have this card $200. version of chat GPT. I was reimbured for that because my work. asked me to play around with Sora last.

work. Yes, the my bigger the seven-year. one I had. But I was really bullied into. having this card cuz I used to work for. Ulta and I worked for them for like four. years. And when the credit cards rolled. out, they were shoving it down. everybody's throat in terms of like. staff. Well, let's be honest. You have. to spend a lot on makeup. I mean, for. that job, I did. And I also got like a. discount. You're pretty caked. I mean, this thing is I'm not caked. I have like.

a little tinted moisturizer on with. bronzer and blush and that's pretty much. it. And sunscreen. But I'm just saying. you probably spend a lot at Yeah. When I. had that job, I was blown money. No, not. now. You do not spend a lot now. No, I. only shop the deals when they have like. the annual sales and stuff or it's like. buy one get one. Did you just spit? You. think there is? But I don't do it. frequently. Thank you to you. I only do. it when I like need shampoo or and I. don't even use that anymore for shampoo. I use like Tik Tok shop for that stuff.

cuz it's a little bit. cheaper. Okay. I don't know what the to do with. you, man. Tik Tok shop. Good. luck. 22.24%. interest. All right. Still going. Capital One Venture. Venture one. Yes, that one. Balance.

$269.93 with a minimum monthly payment. of. $25. Two. $269 of purchases. Amazon. That is my. Amazon card. Pull up your Amazon with. your sticky phone. I'm going to get yelled at. If you already know that, then why are. you doing it? Cuz this is still your. choice. You could do that. I'm not going. to do that anymore. Some of the. stuff because some of the stuff I needed.

because I broke my phone screen or I. went off that medication and I bought. supplements. That's why we needed a. notebook and we needed blankets and we. needed oh my gosh every supplement ever. created in the history of the world. My. insulin's crazy and I'm to do everything. to. like anal. What? I don't know. You got. lube. Oh, we're not doing anal. No judgment. We're not. You don't have to be.

defensive. We're all doing anal here, right, Lindsay? Jake, we're all doing. anal. You you just bow yourself on that one. But you know the reason I I don't. whatever. I don't need it. Probiotics. artifan ruled notebook. Come on. Multiple notebooks in a month with some. of them are my boyfriend's hard. boyfriend. I don't Well, he pays me back. for it. It's not like I'm going crazy. Like some of the stuff is his too. Uh. AirPods with ear hooks. Come on. Yeah.

Well, here's the thing. Multiunctional. food chopper. What are weing just late. night TV? No, mine broke and I needed to. replace it. Cracking hard shell. You. already have the Apple Care on the. MacBook. And what are you doing with the. MacBook? Just I've never seen anything. broke. Previous cover broke. Trojan. pleasure pack lubricated. So lubricated. Plus we got the lube. Plus we got the I. don't We're not having children right. now. So we're using. protection. I'm smart in that way. No, I. appreciate it. I appreciate protecting. the world from my bad habits right now.

at the child. Yeah, sure. Um, just Javic. USDA certified something. I don't know. Extra large magnetic. Oh, it's for deotting my. eyehadows. I don't have room in my. office space because I also like juggle. with some like beauty influencer stuff. just kind of as my creative outlet. And. I'm Stop. This is all money. This is all. [ __ ] money.

You need you needing. different hobbies. You don't even need. different hobbies. You need to be. investing. You need to be like actually. investing and like making a difference. I am. Not only am I investing in myself. and my hobbies, but I'm in So, you have. the moon app on your phone and you're. investing. I have invested in some. cryptocurrency, but I did it before it. was popular. Okay. So, you're a millionaire. No, I. had invested in Dogecoin before it was a. penny. I invested $200 and now it's.

worth $2,000. But I haven't cashed it. out. I'm not an investor. I'm not I. never h But the thing is what I should. have cashed out a while ago because when. it went up with Elon's whole thing on. SNL, I could have made 10 grand. So. you're still hold. I still held and and. I still am. And it's still over $2,000. Then just sell it. Pay off some debt, dude. I get it. I was thinking about. that. But it lowers your risk profile. I. understand it might make more money at.

some point. Lower your risk profile. You're unemployed. You're a contractor. and you get rid of contractors like this. without any fear of legal repercussions. Well, my contracts are pretty extensive. in terms of like if they were to fire. me, I'm I'm pretty protected like the. the contracts that that we've all. signed. It's not just like a I'm sure. the equity one maybe there. I'm sure. there's also a vesting period, right? All of them. That was part of why I. investing period in this equity one. How long do you have to be there? A. year. A year. And I'm almost there. Is.

this done? Yeah, you can tell. Peel it. off. Okay. It just looks like hair. A. dinosaur with lots of hair. And then you. can throw that in like water and it just. goes away. It's like made without. plastics and stuff. It's like supposed. to by the sweat of my palms it'll start. disintegrating. Wow. Guys, look. Well, you can like play with it. Like not play. with it, but like decorate it up. I. don't know. Like imagine if you were at. a festival or something and you like. wanted to like decorate your body. I.

don't know what you do in your spare. time. It's none of my business, but like. if you wanted to play with some color. ACL, but I just like this doesn't scream. I would go to. Okay. Well, you would add. more designs. The one kind of looks a. lot. So, what do you do when this. company goes under next week? I don't. think it is. I That's why I am a part of. it because Which one is this? The equity. one. Yes, I think that's why 20% is worth a few. thousand hours. I actually don't know if. it's 20% off. That was just my best. guess. Okay, don't be mean. Don't be.

mean. Don't be mean. Don't be mean. Don't be mean. Okay. Okay. Oh, just. Kindle. Amazon. Amazon. Amazon. Prime. Video. Amazon. Amazon. We got Prime Video and Kindle. Go to library. I don't have Well, there. is kind of you live in Orange County. Go. to the library. I know. I know. Yeah. Yeah. I know. So do it. I know. It's so nice having You're not a. credit card person. Youucking do. What. you should have been using this entire. time was the Fizz card. You already know. it. You're a fan of the channel just.

like everyone else. I'm surprised you. don't have it. I don't want to sign up. to another credit card cuz I've had. these for like a debit card though. It. only lets you spend what's in your. checking account where the rest of this. is I don't want to do that either. I. Yeah, you want to spend more. No, I I. just Oh, here's the car. It's like 5%. interest rate. Not the worst, but of. course, not really confusing with the. Maronei taking depreciation of the car. Yeah, it was definitely on the higher. side, but like 2024 Ford Bronco 2022. Oh, 22. And it's version bottom tier.

No, second from the bottom tier. It's a. great car. It's not cuz I know the. expensive Ford Broncos can be pretty. expensive, like the upper ones. And I. haven't made any like modifications to. it or anything, which is why it's only. $15,860, which for unemployed sucks. But. for your when you had your last job, it's not not the worst purchase. It's. not the worst purchase. But now having a. $451 9 payment is not good. Yeah, I've definitely been prioritizing. that one like alongside my rent to make. sure I don't shoot myself in the foot.

What do you think it's worth? um in earlier uh probably like right. now probably pretty close to what I. bought it for based off of how much I. bought it for 40,000. You're No, it's. worth 15. Oh, we checked. It's worth 15. You You've breaking even. You thought it. was worth what you bought it for? Well, there was a moment in time where it was. like all the parts shortage. I I was. offered like four years ago grand. No,

no, no. This was like three years ago. Like two years ago. Sorry. Whatever. But. like it wasn't four years ago. It was. three years ago. Okay, great. I I had an. offer for like $50,000 and I was like, I. needed now it's worth $15,000 cuz we're. in a more closer to normal market. So, well, the car is great. It has had no. problems, which is surprising for the. I'm being told we don't have statements. for a firm, but I got to pull it up. Pull up your firm. How many miles are on this car? 23,000.

How many What's the condition? brands make it new. Perfect. She lives. in garage right now. Um, hold on. And and Venmo. Oh my gosh. Okay. Um, we'll do a firm first. Sorry, it's like. going a little slower than I wanted. to. I'm going as fast as I can. I.

promise. Oh, you're good. I don't want to look at this. Continue. in browser. Oh, but I'm going to um I. don't know. I do. You know how to. navigate it like on the browser? Cuz I'm. not entirely sure. You don't have the. app? No, I don't. Are you logged in. there? Okay. Kill me now. Yes, I'm. logged in. $4,585.73 on a. And that's primarily the attorney stuff.

Um, due this month, uh, only 42. How are. you ever going to pay this off if due. this month is only $4267? Well, I didn't choose like the most. spaced out option cuz I didn't want to. pay that much interest, but every month. it charges me for that attorney fee is. like I pass. That's for my ski pass. The. you're doing unemployment getting a. $1,200 ski pass. $1,200 ski pass. unemployed. That was last season. We do.

I had a job when I bought that. I put it. on a firm cuz I couldn't. But it's still. due. It's still due. No, I paid my last. payment on that. It's past due this. week. Okay. That's when I had my job. Okay. Okay. I got it. I got it. I got. it. I got it. Well, it's Ed Hardy. Originals. The clothing store. I saw this skirt that I really liked and. then I got my boyfriend a pair of shorts. for his birthday. I got it. I got it. It. went from fat to attractive and then, you know, I had to get new clothes.

Thank you. I'd do the same. I'd do the. same. I only bought one thing, but we. don't finance it. We don't But it was. zero interest, so I don't understand. Yeah, but now you're stuck in your. minimum monthly payments. And your. minimum payments is a struggle right now. with all these adding up while you're. unemployed. That's why general. merchandise. I don't even know what that. is. $448.77 due on May. I think that's the. attorney stuff. No, that's the big one. That's That's weighing over my head. I know. Oh, what is this? This is new. What is this? Cover FX ice cream.

foundation. Cover cream foundation. Yes, Cover FX is a beauty brand. They had a. sale. Everything was $10. Yeah. Sales do. not justify for There was no interest. And it doesn't matter. You're creating. your minimum monthly payments that you. are getting uncontrollable for you. That's what matters. That's what. matters. I wanted it cuz it was cheap and they. usually charge like 60 bucks and I just. wanted it. All right, let's see about. Mo. Oh, she's drinking beer that she. always pays for in her profile picture.

Girl likes to have a good time. Loosen. up a little. Spend her money. Yes, I do. Not loose enough. Ordering lots of. lube. Uh Tik Tok shop. Yes, just. recently. There's some good sales on there and. mostly the boyfriend and a really. attractive person named Charlie. Oh, that's my one of my best friends. That. was for Never mind. I zoomed a maternity.

gift. No, she's beautiful. I love her. Peacock or Poshmark. Poshmark. Tik Tok. shop. Tik Tok. Oh, that was for uh two. dresses. Men. Does your partner know. about this? Tik Tok shop. Tik Tok shop. Tik Tok shop. Tik Tok shop. Tik Tok. shop. He sees all of the deliveries. Taylor, who might be potentially. attractive? Let's keep investigating. No, that was for her house burning down. in the LA fires. Really shouldn't zoom. in. What the? How'd you do you know her? Yeah. Okay. And that was also when I had.

a job and I my heart went out to her and. her community to try to donate and your. money. Well, yeah, that's what I just. said. I think Said your heart. My heart. and my money. Okay. I'm gooning hard this episode. Okay. Um Yeah. I mean 6,700 in the checking. account, right? But down from 8,500. It's not a good sign. Yeah, my rent is. getting less and less. What's in it. right now? 3,600. Oh, for sake. So, it. went from 7,000 600. So, it went from.

6,700 to 3,500. Yes. Oh, yes, it did. Oh, but I just got my tax. return. Sorry. It's 3300. And you're going to be paying taxes next. year. Do you want to see it? 3,300? No, I don't need to see it. The ATM withdraw ATM withraw ATM. withdraw. Netflix.com Venmo. We know these are all.

Tik Tok shop. No Venmo Venmo Venmo. No, some of that's for rent and all this. like Venmo. Yeah. Yeah, that's what we. just talked about. We did just talk. about that. Yeah, that's there's nothing. new. I hope. PayPal. PayPal. Venmo. Venmo. Technolo. I have no idea. Uh, you gave him 14.99. Technolo. NGCA. Technolo. I have no.

idea. It's always great to not know. where our money is going to. Well, you. know how like some transactions they. like put in weird names and you're like, "What the hell is this?" Almost ready to. dispute it and you're like, "Oh, wait. No, that's that company." But they. always have some I know name. Mormon. Mormon guys only like, "Oh, what is. this? What is this weird name?" Oh, this. obviously has McDonald's. You got to use the butt soon enough, dude. You get it for free. I want to get.

ahead of this because I do. You get it. for free. So, used. what? I used to be worse. Okay. Yeah. Let's not use so bad cuz you are so bad. Uh, you brought in $0 last month and you. spent $10,000. Okay, well done. $3,000. That's our new income. after we set aside money for. taxes. Okay, debt payments. Let's just. get that sorted.

up. Okay, here goes nearly a. third. $883.76 housing. What's your rent? Your. portion 1,600. Your portion. Mhm. Yeah. We live in a really nice spot, but it's. like the best we could get for what we. needed and like have a garage and. I don't even want toing hear it. But. even when I lived at home, I moved to. home. There was a moment in time where I.

couldn't even afford my own rent and I. moved home and my dad charged me $1,500. a month for my room. So, it's nice to What is it again? 1,600. Your portion of utilities, including. internet, 200. Phone bill, zero. Mommy and daddy, my dad. Mhm. Room vroom. room drive. Gas 90. Okay. We don't drive. much apparently. No, I work from home.

Car insurance. My dad covers it. You'reing so lucky. $300 is what you're. allowed to contribute to the food pile. on a monthly basis. $100 to the TP fund. that includes all your makeup and. everything and lube and all the. collections. I bought lube once. Multi gallon. No, it wasn't. It was a. little bottle. We use protection and I. don't want to like break my skin. I did. not need to hear about your skin. I. don't know. But like I'm trying to make. a little You were talking about anal and.

asking your team. That's like a huge HR. violation. HR violation. We have the. contracts in place as necessary under. Texas and United States law. When. filmed, it is totally good. All right. Oh, that is totally good and consented. Yes, Jake signed the anal inquiry clause. under the. contract. Uh, your medical or healthc. care stuff. I am going to apply for Cal.

like medical. What's that going to cost. you? Hopefully nothing, but I don't. know. Because you make no money. Okay. And gym? That one's $90 a month. Do you. have pets? Nope. Good. No subscriptions. You can have business ones, but that. takes out of your you'll it'll help. deduct. Yeah, some of them are my money. that we need you to deduct anyway. Okay. Anything else that needs to be in your. budget that I have not taken in account. yet? Obviously, I have a feeling we're. going to be, but well, luckily De's here.

to save the day. That's pretty much it. other than my like credit card payments. All right. You are underwater by. $263.76. So, um I thought it was going. to be a lot worse to be honest with you. Well, this is you living off of not. spending any money on both and having. daddy cover a third of the bills. You're. okay with that. Yeah, you didn't do. that. You spent Shut the out of the. equation. You spent a th I can't listen. to anything you say. You you you say you. want to, but literally right before you. came on the show,

$1,450 on bull. Yeah. I'm bull. But so. don't. But listen, I'm done. Here's the. thing. What you clearly need to do is a. relatively simple solution. Obviously, budget. Yes. Go through all the classes. we did. Those are created for you. Yes, that's the educational part. So, you. know how to manage your money. But the. fact is right now, you do not have. enough money coming in because you can't. even break even. Yeah. These three. ventures you're do Stop. I'm listening. these three ventures you're doing. No, we're not playing an equity long-term. position cuz you can't survive. Go get a. real job now. 60 $70,000 a year. Use.

your experience. You have a vast amount. Show what you have done, the metrics you. can provide that you will provide value. to the company that you are willing to. grind from the ground floor up, but. obviously hopefully at a better place. Show that. Make that money break even. Start paying down some of the debt. Build up that emergency fund to 6. months. Again, we need to start retiring. cuz getting sending money to retirement. cuz you're almost done with your best. decade of growth and I don't see. retirement. Well, I mean, I do. contribute to my Roth IRA. How much is.

in there? I've contributed in full for. the last 5 years. How much is in there? Probably like almost 90,000. 90,000 I think. So, I received some money. You are so. weird. Oh, you There you go. I received. some money that I didn't want to touch, so I put it in stocks. That's what it. is. Okay. I didn't want to touch it. That's what you need to do is go get a. real job instead of playing like kids. with like these other jobs or playing. equity position world. We're not doing.

it. You literally aren't breaking even. and so we can't do it. It's not our. choice at this point. Or you just have. to go do another make job. It's like. it's and they're not make believe. It's. like actual social media work. Like I'm. Go do a full-time job. You have good. experience and I'm sure you have great. analytics that you can show that you. will provide value to an organization. Do that. Okay. Okay. Okay. I don't want to. I Well, then you're not going to pay bills and. you debt. It's not egregious. You just.

make no money and it's stupid. Debt. score 2 out of 10. Spending in a budget. overspent cuz you don't know how toing. survive. No wonder it's gone from 8,000. to 3,000 in like a month. Zero out of 10. emergency fund. Well, barely anything. left. We're at about a two out of 10. there. Uh cuz I'm going to call 2,000 of. it an emergency fund. The rest just. checking account. Retirement. That. 90,000 is incredible. How much of it was. gifted? Uh for your age, very happy. 10 out of. 10. Real estate. Zero out of.

10. Doesn't matter if it's gifted or. not. It was there. I would have loved to. see that. You know, a little more. discipline being the reason that we got. there for a sense of pride, but it is. there regardless. Just don't [ __ ] it up. Now, hammer financial score looks like. the site was right. Three out of 10. Okie dos the poster. We're going to. bring in the boyfriend who does not know. her financial situation. And uh yeah, we're we're going to dig into that and. then we're going to dig into more uh.

actually there's some drama that we. weren't allowed to talk about on the. main show that she wanted to keep for. the post show. So, we're going to dive. into that as well. It's really juicy. Make sure you join the elite version for. thousands of hours of extra content and. download the budgeting app and change. your life. See you in the post show. What do you think her finances on a. scale of 1 to 10? No. What do you think. her finances are? I couldn't tell you. what I spent last month, let alone what. she spent last month. What are your. finances? You dated her when she was fat. Yeah. Can I see before and after? Sure. Exclusive members content. Click the.

link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.