Failed OF “Model” Is Batsh*t Crazy | Financial Audit

I also do only on the side, too. What. are you actually making, thousand or. were you just having one special donor? Oh, that's a good question. Oh, come the. up. No, I really try to do everything. for myself. No, you're not. That's a. load of bull. I mean, you rely on your. girlfriend's mommy. No, that is you. trying to get out of being pushed back. on. Don't with me with your. trying. Download my new simpler budget. app today and take control of your money. once and for all. And as an extra. limited timeon only bonus, I will give.

you a signed version of my budget. friendly cookbook for free when you sign. up for Simpler Budget Premium Annual. Hey, my name is Anastasia. I am 28 years. old. I'm from Los Angeles, California, and this is Financial Audit. Thanks for coming in from LA. I don't. think we've had someone from LA on this. show. That's crazy. There's a lot of. crazy people there. So, yeah, that's. it's going to be very interesting to see. what that means in this situation. Yeah.

What do you do there for a living? So, I. work for Golden State Water Company. It's kind of an um an office job. So, I. work in the low income department. So, I'm kind of dealing with the people who. are trying to get that lowinccome. discount. So, I send them the. applications. I make 26 an hour. 26. But. in Los Angeles, that's the hard part. One of the more expensive cities. How. many hours a week do you work? about 30. right now. I How are you surviving? Just. flat out. I'll just hit that out of the. gate. 30 hours a week in LA. How are you.

surviving? Are you surviving? Barely. I'm barely surviving cuz I am right now. currently apprenticing for a dog. groomer. Um that's kind of where I'm. trying to go to after the office job. I. hate Do you need a license for that? Not. as far as I know for So, do you not have. the necessary experience for it yet? Yeah, I don't have any experience for. it. Okay. So, I went to my mom's groomer. and she said that I could apprentice. with her because I just asked and she.

was like, "Yeah, if you can come in, but. that kind of takes up a lot of my time. and it doesn't pay." So, basically, there's no pay for the apprenticeship. No. How much time? Um, so have you cut. your hours down to 30? Yeah, I have cut. my hours. You did that by choice. Okay. How much time are we spending on this. grooming? So, I'll come in after work. Then why can't you work 40 hours a week. and still go in after work? Cuz for the. grooming it's like a 12-h hour day. So. right now what I'm doing is I'm working.

How many hours grooming? 8:00 a.m. to No. A week. How many hours. a week be an apprentice? Like 12 12. hours. because honestly honestly. work 5 days a week and do the grooming. on the weekend. Yeah, that's what I do. That's what I do. But then how are you. 30 hours a week? Because I only work. part-time during the week because Well, why then? But the grooming is not on. that day, right? But I But that that's. not making any sense then, right? But I.

want to go. home. I want I want to go home. After. the job, I get tired and I want to go. home. Yeah. Can you pay for the home? Yeah, I can because I have help with my. roommate, my girlfriend. So I Oh, girlfriend. Girlfriend. Girlfriend? Yeah. Girlfriend. Girlfriend. Girlfriend. Girlfriend. Okay. So, that. helps split the rent and utilities and. potentially groceries and stuff. Yeah. Yeah, that makes sense. Just girlfriend though. Not marriage.

No, not marriage. Not is that in the. horizon? I would like for it to be. She I don't. think so. Well, then if one doesn't. think so, then probably not. Yeah. So, when you're saying barely surviving, what's going on? What are we talking. about? So, barely surviving. So, our rent is. about 1,500 split. So, we each pay about. 800 a month. Not bad at all. Is it a. place? No, it actually belongs to my.

girlfriend's mom. Oh, so you're. subsidized by Yeah. wealth of your. parents. Yeah. Yeah. She She owns the. condo. So, that's why you're allowed to. work 30 hours a week because I want to. go home because someone else is. subsidizing your lifestyle. You would. not be able to do that on your own. That's why I pushed back a little in the. beginning, but you wouldn't be able to. do that, right? But you are because of. their and you know what that that is. what it is. Yeah, it is what it is. So I guess I can be okay with that as. long as it's not enabling a bad. lifestyle. I don't think it is. You are. still putting in 40 hours a week. Some.

of it's just the apprenticeship. So I am. okay with that. Good. I'm I'm glad. you're. just talking through it. Yeah. When are. you going to be in the grooming of the. dog world? I'm hoping by summer because. right now I I usually take off a little. bit of time during the summer. So, my. income is not completely consistent. because I'll How much time do you take. off? Well, I work remote cuz I'll go. visit my relatives in New Jersey. Cool. And work remote in New Jersey? I'm. confused. Yeah. So, the remote part of.

it, it takes off some of the hours. How. much time do you take off in the summer? Like, you still got to pay for bills. Yeah. Paid time off. Not paid time off. No, two months. You lose two months, but. you barely make it and you lose two. months. Mhm. I've had savings out of a 12 month. year, you lose two months. Yeah. I've. had savings the past few years and I'll. instart. So, I Instacart typically when. I'm in New Jersey. How does the. girlfriend feel that about the about the.

situation? The fact is that you're able. to take 2 months off and 30 hours a week. is your work, paid work, because her mom. subsidizes life. I mean, she it it's hard cuz she does the same. thing is she cuz she works in a. different field than I do, but they have. summers off. So, she is able to take. that time off. So, then I She has. summers off. Yeah. It's not taking the.

time off. has summers off. Right. Right. So, I mean, no, but what about. your guys's relationship with money. then? I mean, it's not the best. That That's kind of our thing that we're. going through right now is like our. finances are not totally aligned. How. long have you guys been together? Three. and a half years. That's not aligned cuz. Yeah, we would be definitely trying to. minimum get aligned by then. Yeah. So, I. just have way more bills than she does. So, I So, I have my car. I have my.

credit cards. Care about debts. Okay. Yeah, debts. Yes. But she she only pays. rent. Today's sponsor, Aura, exists. because companies treat your personal. data like a free sample at Costco, just. handing it out to whoever walks by. Bank. of America recently had a breach, and. they just didn't tell anyone for months. The average company takes 277 days to. report a breach. And that means some. scammer could be financing their dream. vacation with your credit while you're.

still deciding if you can afford guac at. Chipotle. And that's why I use Aura. Ora. constantly monitors the dark web for. your personal info, your email, social. security number, even that old MySpace. password you swore you deleted. If. something shady pops up, they alert you. fast before the banks finally decide to. admit it. And if the worst happens, Aura's got your back with up to $5. million in identity theft insurance. Go. to orura.com/hammer to try 14 days for. free. That'll be enough time for Aura to.

find out if any of your personal data is. exposed long before any of these. companies are forced to notify you. I. highly recommend you do this right now. because the only thing most of these. companies are going to do to help you is. offer you free credit monitoring. and. free credit monitoring after the fact. That's like installing security cameras. after your house was already robbed. I. am not rolling the dice with my. identity. Why are you Well, why would. you want to get married with someone. who's bringing in a bunch more bills? I. mean, what do you mean you're not.

aligned with money? You said just more. bills. That's not not being aligned with. money. Yeah, there has to be something. more. So, I mean, she makes less than I. do. So really what we are is we are two. separate entities when it comes to. finances. The only thing that we share. and I want to know what's how you guys. are not aligned cuz I just hear a. mathematical difference. A line is. usually a mental thing. Oh well I mean. yeah. No we're fine. I'm I'm kind of on. her about it. She's not on me about it. What are you on her about if she's the. one not in debt? I mean cuz she'll still.

have times when it's harder for her and. I'll have to help with the money. You're. in debt, but you have to help her, but. mama is her mom is helping you. Yeah. So, there's a weird triangle of. confusion money. Yeah, it it is. She's. younger than I am, so I. How much younger? What are you talking? She's 26. Oh, no. A baby. Yeah. No, the. Why? That's not even Why does that even.

matter? It doesn't. You're right. I I. just feel like I Then why? I feel like. that is a kind of almost an enablement. of her, a justification of her being. able to just slack. Yeah. And I mean I. definitely What does she make? She makes. 25 an hour. How many hours a week? 30. You're trying to make it sound like some. massive substantial difference. It's a. dollar. Yeah. A dollar. Yeah. Then what the then what are we talking.

about? What are we talking about here? Okay. No, let Yeah, let's let's talk. about what are we talking about here? Um. what is going on? What is going on? Um. so well, okay, here let's go back to. this. What where would you like to start. from. again? Relationship. Uh like where we. are financially, like where would you. like to start again from? because I feel. like we should just like I'm just asking.

you what are we talking about today? What is your situation that we are. talking about today? Oh, I mean I've got. debt. Um I've I've I want to move out of. this job. I want a different job. Okay. And it's the grooming. Yeah. How many. hours a week is the grooming going to. be? Well, the grooming I think it would. end up being 5 days a week. Uh, but it's not an hourly pay. It's a.

like per dog. Yeah. Are you going to. have to do side hustles? Is this going. to be It's like $100 per dog. So, like. they get in like six or seven dogs a. day. So, yeah, but are you working for a. company or are you on your own? No, it's. for it's for a independent owner. Yeah, I was going to say cuz you would have to. focus on the whole recruiting part and. everything. So, yeah. Yeah. You're going. to have to rely on someone else to bring. in. You're going to be an employee. Okay. Right. Yeah. And you're going to.

be able to sustain yourself with that. Yeah. I mean, I also do only on the. side, too, for a little bit of extra. income. So, I Is that what pushes you. over to be able to pay the bills? Not. really. I mean, only has kind of gone. down a little bit for you or for. everyone? for I mean I don't know about. everybody else but for me cuz I I had a. whole ordeal with like an only agency. where they kind of like trashed my. account. What? So I mean okay so I. started only back in here's the LA part.

This makes more sense. So I started Only. back in August and um I had the help of. my friend who was working for an only. agency. So, she actually always told me, "Don't go to an agency." Oh, good. Yeah. Then let's go to an agency. If one of. our close friends works for one and says. don't. Yeah. So, what happened was I. ended up making like 10K that first. month and I was like, "Oh, well, this is.

fantastic income." So, then it started. going down. My friend didn't want to. really help me as much anymore. So, it. was kind of on my own at that point. And. I was like, well, I don't want to do. this on my own. So that's why I went to. an agency because I was already giving. like her a cut and my other friend a cut. to kind of help me with the account. So. I was like I mean if they're not helping. me like it's not going to be any real. like difference. Like I was already. giving a percentage away. So I was like. if I join an agency and they kind of. help me run the account then it's.

basically the same thing. It's just not. my friends. So, in December, I decided. to go with the first agency. Didn't work. out because they were really bad at. communicating and um they were taking. about they were taking 35% of what I was. making, but they weren't really doing. anything. So, that's when my income from. that started to go down a little bit.

What are they supposed to be doing? They're supposed to be marketing and. like promoting and running the account. like chatting and stuff. So they all. they were basically doing was chatting. and so I mean I thought they were going. to help me with the promotion which. would get the traffic in but then they. weren't bringing traffic in so they. weren't really making money. What's a. chatter? a chatter. It so typically it's. someone when it's a part of an agency a. lot of the time it's someone from. overseas who is chatting pretending to.

be you. So they're talking to So a. dude's getting off to an Indian dude. Mhm. Yeah. Pretty Indian or I think a lot of. the time they're from the Philippines. I've I've heard that a lot. I don't know. cuz they never let me talk to the. chatters. So I You can't talk to the. people doing your own inbox. Nope. Okay. Sorry. Go on. So I ended up ending it. with that agency. I found another one.

that was like, "I'm going to make you so. much money. I'm going to make you like. 30k within the first 2 months." And like. I mean, I took it with a grain of salt, but I was like, "Okay, well hopefully. these people have it a little bit more. under control than the last people did.". And he was better at talking to me. All. of a sudden though, then he stopped. talking to me too. And then he called me. and was like, "Hey, he he is an agency.". Yeah. So, I only spoke to one person. I. only spoke to one person. Yeah. So,

okay. My judgment I don't know. I can't. I couldn't tell you about my better. judgment. But so, he ended up calling me. one day and said, "Our office caught on. fire, so we're not able to support you. anymore. we're going to send you over to. another agency. And so then now I'm on. my third agency and this. agency, they ended up um it was one main.

guy in charge of it and then I had like. a team. So this was the first time that. I had like a full team that I was like. talking to like a social media person. and the CEO and just like the person who. was in charge of chatting. So, the. communication was better, but they still. weren't really making me money. Like, it. they weren't promoting me. They ended up. like, so, so I have like an alias on only and.

so fake name. Yeah, I have a fake name. on only Okay. And um they ended up sending out a shout. out, the only shout out that they ever. sent. and they sent out like my actual. name. So, okay. Yeah. So, I told them, "Hey, like I need you guys to take that. down." It was up for like maybe an hour. and a half, I think. So, it wasn't up. for that long, but it was up long enough. that like there were people who saw it.

So, then they took that down. After. that, they really like weren't really. talking to me. Like, I was like, "Hey, like do you guys need anything from me?". And how much are you making? So I was. making 2,000 with. them before I even joined with agencies. I was making like 5,000 a month. What. the [ __ ] are you do? Okay. So then I. joined the agencies and like they got me.

like 2,000 1,000. Like it it really it. really shot it down a lot. At one point, um, there was a guy who messaged in the. inbox and was like, "Hi, so and so." and. used my like real name. And the chatter. was like, "Oh, hi." Like didn't shut it. down at all. And then the guy was like, "You're so easy to find on the internet. Like you're you're so actually easy to.

like find." And the chatter totally just. was like egging it on. and he was like, "Hey, how would you like it if I took. your photos for you and helped promo you. on another site?" And the chatter said, "Yeah, that'd be cool." And no one. talked to me about it. No one got my. permission to do that. Like he had like. my identity. Like he was ready to post. like everything real about me on this. random site. And so then he did. And the.

company, the agency that I was with, they didn't tell me. All they did was. they blocked the guy and then they Is. this a long way of saying you don't make. that much right now? It is. But how much. do you make right? What? No, I want to. finish the story. So, um, what happened. after that? Now I lost my train of. thought. Um, so where did I leave off? A.

dude posted boobies online. You guys got. it taken down. Yes, it got taken down. two days later. What they did was they. blocked the guy and they removed the. chat and then they tried to pretend like. it didn't happen. And so I tried to get. a lawyer. They're notoriously good OA. agencies. That's who we should trust. Okay. Yep. Listen, I thought they were. going to make me money, but they didn't. So I tried to get like a lawyer and. everything involved and that didn't end. up working out because lawyers are. expensive. And um so I never fully like.

they they just started ignoring me. So. So then at this point, how much do you. make a month off this off of this? Nothing. They ruined my account. You do. nothing? Yeah, they ruined my Well, how. how long has it been since you've. stopped using them? Like a month. Oh, very fresh. Okay. Yeah. Okay. I mean, are you posting? No, I can. make money if you don'ting post. I know. I fell off of it because I was like, well, yeah. I mean, you got by the.

agency. Yeah. And that it kind of just. turned me off to the whole thing. Do I. want to keep doing it? Yeah, I do. Do. you? Well, there you go. Then you do. I. don't know. Yeah. I just like I'm now so. in the habit of not going on the account. cuz people were on my account for so. long that I just I can't believe I'm. going toinging a tutorial on how to uh. do this. No, I know how to do it. Here's. the thing. It's a business. Yes. You got to produce the product for the. business to work. Yes, you got to have a.

little bit of drive. I'm not even saying. you should, but I'm just saying if it is. your choice to do that, whatever. I. don't give a [ __ ] Consented adults, whatever. Yeah. Then you got to put in. effort. Like I'm not going to listen. You you got How long were you in the two. agencies combined? Say, wait, what? Both. agencies combined. How long were you. there? Like two or 3 months? 3 months. That whole thing was three months. Those. two both agencies. So you went from 5,000 a month to zero.

in three months. Mhm. Okay. Then you. could be you could ramp if you wanted. to. Yeah. Then I I'm like, okay, learning lesson. It wasn't a multi-year. process. Those three months. Okay. That's a slap on the wrist. Who gives a. Yeah. And do you even want to or are we. trying to get into dog grooming? Is this. going to impact our dog grooming career? I don't think it's going to impact the. dog grooming career. I think that's. that's a big reason why I want to go. into it is because I'll have like the. time for only at night and then I'll. have the dog grooming in the daytime.

Okay. So, fine. Do Yeah. Okay. I don't I. mean I don't think I'm from LA. Yes. Okay. I don't think the dog groomer. cares. Everyone's showing their tits in. LA. I know. That's how everyone pays. rent there, I guess. Yeah. I mean, listen, there's the simple. if you're not doing it, you're not. making money. I'm not going to encourage. you doing that or disenourage. I don't. give a It's just weird in this.

situation, but it's like I'm not. surprised. I mean, if you want to make. money, then make money, do we? Right. Yeah. No, what are we doing? Yeah. I. mean, I. had one guy who was a bigger spender and. now he's off of only it really has just. gotten to be a lot more. How much your. 5,000 a month is from him? Oh, man. I. think he's given me like 20k. Okay. So, what are you actually making? 5,000 or. were you just having one special donor? Oh, that's a good question. Oh, come.

the in the very very beginning. In the. very beginning, I What's the very. beginning? August. September. August. September. Three4s of a year ago. Yeah. So, I had one person. Is this just you. and your girlfriend? No, it's just me. Okay. Like on only just like posting. pictures. Yeah. Okay. I mean, I had a. guy who wanted it. So, yes. Yes. Yeah.

Sure. Yeah. Cuz I made like 9K that. first month. So, 9 or 10K. I can't. remember. But most of that was from him. But I did have other people coming in. It wasn't just him. But now he's gone, too. So now I really just don't have. like I just It's kind of like working. from the bottom up. again. I know you like free things and. I'm giving some things away for free. right now and let me show you how to get.

it. First, I'm giving you a limited. edition financial audit tumbler, plus a. 30-day trial of Simpler Budget Premium. to new users when you buy my four class. bundle. And this trial is normally only. 14 days, but I'm doubling it just for. those purchasers. And do you just want. one class? No worries. You'll still get. access to that 30-day simpler budget. trial. And act now because we're winding. down our intro pricing at midnight on. April 23rd. So, this is the best price.

you'll ever see on these classes. So, if. you're feeling stuck or intimidated by. your finances, you're not alone. And now. is the best time to get started. Grab. your free limited edition Tumblr, sit. back, and finally take control of your. financial future. Or don't, and you can. end up right here. What? I have no sympathy. Yes, you have. to do business if you're going to make. money. You have to actually do if I. don't film here and I do nothing the. business isn't going to make money. If I.

don't produce a product like a budget. app or something, the business isn't. going to surv like what what am I. supposed to say to that? Okay, so now. you make like what hits your account on. a monthly basis for [ __ ] sake from only. from everything. From everything is. zero. Yeah. So. monthly for 30 hours a week, right? Yeah. How much? Um 2600 like like 2500. Okay, great. 2500. Let's say that. So.

nothing for LA. Yes. Nothing for LA. You. rely on your girlfriend's mommy. I mean. you rely on your girlfriend's mommy. No. No. What? She subsidizes your living. situation. You wouldn't be able to live. in the city that you're in if it wasn't. for mommy. Yeah. Yeah. Yeah. Yeah. No, I mean I feel. like all she all she does is pay HOA.

Like we're basic she does she's just not. making any money. But when did she get. the house? I I don't remember exactly. It's not that thing. If you paid market. rent, you would be paying higher rent. Doesn't matter if you're covering the. mortgage. Maybe she got the mortgage 20. years ago. I don't know. Yeah. Okay. And. is it just her mom? Yes. You look like. mommy's girl. Your mom doesn't provide. any benefit to you. My mom? Yeah. Yeah. Sometimes. There you go. Okay. Oh, there you go. See what what what do you get from your. mommy? This is a mommy household. Just. fun old mommy. Mommy so I can play with.

boobies online. I love my mom. Like my mom's like my. best friend. I love my mom too. She. doesn't fund my lifestyle. She doesn't. fund my lifestyle either. She gives me. money for food sometimes. She helps me with gas. You pit. That is. what that is funding your lifestyle. because you have to eat in order to. live. So you being able to go spend. money on all this other stuff because. you don't have to pay for food cuz mommy. pays for food. Yes, she is funding your. lifestyle. What are you talking about? I. mean she gives me like $40 like every.

two weeks. Like it's still and it's. still money. It's like Starbucks. Okay. I I I really try to do everything for. myself. I really do try but then we get. subsidized by girlfriend's mommy and. then mommy pays for our bull. Okay. Yeah. I mean, I'm an only child, so I. It's just my mom and me. My dad's not. here anymore, so it's just my mom and. me. So, where is she? In Lakewood. I. don't I don't Is that a part of LA? Yeah, it's a part of LA. Not everyone's.

in LA. Yeah. Not everyone knows what a. Lakewood is. There's a Lakewood in every. city, basically. That's true. Okay. No. Yeah. She's She's Yeah, she's So, she's. like 30 minutes from me. Good. Okay. Yeah. So, she's aggressively spoiling. you and not allowing you to grow up both. moms. I mean, yes. Where do you think your. finances are? 0 to 10. Zero being the. worst, 10 being the best. Probably like. a two. Yeah. Yeah. If you want your. hammer financial score, go to. calebhammer.com or click the link in the.

description below. Take the assessment. and see where you stand. And if you want. to come on the show and you're from. anywhere and do anything apparently, you. can go to. kaleammer.com/apply and we'd be happy to. look at your application and have you. down here in Austin, Texas, where. there's probably a Lakewood somewhere. Okay. All right. You guys have good rent. here. Yeah, better rent. Well, actually. rent fell substantially because uh we. actually allow people to build housing. unlike unproductive cities like Los. Angeles. Yeah. Okay. Above lending.

Okay. What's going on here? What even is. above lending? So, I don't know this. account. That is my loan for all of the. credit cards that I had. I had. consolidated. I did. I consolidated my. debt back. Guess where this is going to. end. Okay. Do you want to guess or Yeah, you still keep going. Okay. So, I. consolidated my debt back in November of. 2023. I had a lot of credit cards.

Um, and so then in March, I think it's. been a year, they had contacted me and. they were like, "Oh, well, do you want. us to um just give you a loan to pay off. the consolidation and then you can just. pay off the loan?" And I was like, "Yeah, that sounds much better because. it ruined my credit score, like the. consolidation and everything." So I. Okay. Yeah. So then this loan paid off.

the consolidation. You're consolidating. a consolidation of credit cards you. couldn't control. Great. This is um. obviously shaping up to be demonstrate. that you are a very responsible person. with money. Yeah. I mean it started when. I was 18. Like it always does. That's. when you can get credit. Oh, look at me. I'm a unique 18-year-old. That's what. happens with everyone. Sorry. I'm being. a dick. Okay. No. I mean, but that's. what happens with everyone. Like don't. try to make that like a unique. situation. No. And you know what? Go on. Um, so yeah, I got all of these credit.

cards. I think I had like five or six. Um, all from ages 18 to 20. So they. totally That is actually a lot to open. in the in just those two years for what. it's worth. Yeah, I'm I mean I'm not. saying I'm good with What were you. doing? Um, I had like a Victoria's. Secret credit card that I like blasted. I maxed out the word blasted. I don't. know. people in your industry blasting. this getting blasted something. different. I don't know. Um anyway, so yeah, I maxed out that.

card. Um it all started there. That was. my that was my uh my opening to credit. cards. Well, the rest of the credit. cards, what were you doing? I was like. max out, open, max out, open, max out, open. Pretty much. What were you. spending on? Were you actually working. going to college? What were you doing? because that is an insane amount of. credit cards in just two years. I went. to college for one year and then you put. your life on a credit card. Yeah. Okay.

I mean there were different uses for. different credit cards for sure. I think. I got cuz like I had my Discover card. and that was like a $10,000 limit. I. don't know who thought that was a good. idea but I think they wanted to give you. $10,000 for you to spend $10,000 so they. could charge 30% on that $10,000. Yeah, it was a product. Yeah. Okay. But yeah, so I don't. remember exactly what I spent that on,

but I'm almost positive it was probably. just like unnecessary items like. clothing. and probably food came into there. I I. spent a lot on food because I don't. Okay, I just realized you're 28. Why did. you start People sometimes like turn 18. immediately get on that OAF train when. it comes to agencies? Like those. agencies just like wait and then they're. like, "Oh, 18." Yeah. You started. decently late for someone. Why'd you. start so late? Like why randomly did you.

start this like literally becoming an. online person working in diddling? Um, so I had always kind of like I I. don't think I knew about it when I was. 18, but I don't know if it existed when. we were 18. Yeah. Well, you But I'm 2. years old. Damn. I'm sorry. But um I think it got to a point where. my savings were like super duper low. Oh, see that's what I don't like. I'm.

okay with going doing whatever the want. as long as it's not like harming someone. else, which someone argued that it. actually does. But either way, uh I'm. okay with consenting adults doing. consenting adult things. I don't like the fact that you. got pulled to it out of desperation of. finances and yet you want to you want to. go back or do you feel financially. desperate to need to go back? That's a. fantastic question.

Um I pulled back into it out of just. needing money. Okay. So you don't. actually want to go full booby on the. nippy on the display. Not necessarily. It's not then. Don't. Let's get you away from it then. Yeah. I. mean, I I will help people do whatever. they want to do. But if you want to get. away from that, let's look away from. that then. Mhm. Yeah. I mean, ideally, it's not. something I want to do forever. It's. definitely like it has its fun moments.

It was fun when I was making money, but. when I'm not, it's like Yeah. I mean, it's always exhilarating something when. you're making money, but do you want to. be making money from flaps or money from. shaving dogs? Shaving dogs. Yeah. So, let's focus on that then. Let's let that. be the career track. Yeah. Okay. See, that's something completely different. That is a different direction for the. conversation then cuz I'd rather get you. away from that industry that can be very. toxic. and very exploitive as well. Yeah.

Okay. So, consolidate for a consolidate. I mean, it's. $15,58.33. This is unfortunately when. you make these choices and being just. stupid with our money, it pushes you. into the dark corners like that. That's. what I don't want you to do. What's the. minimum payment for this? What is the. interest on this? Like, what is. anything? It doesn't say. Um, so the. minimum payment is$ 220 a month. It just. automatically comes out of my account, which is brutal for $2,500 a month is. what we're making. Yeah. Okay. So, so. actually, no, but it's every two weeks.

So ultimately every two weeks. Yeah. Oh, this is a this is a Yeah, this is a for. the your 2,500. 2,500 that's 18%. Yeah. $440 a month. $440 a month. What. is the interest that I actually don't. know. Come on. What? So they sold you? Who sold you? You got consolidated and. then someone sold you? Yeah. Into a. higher interest product. Probably. Probably. I I don't know the interest.

I'm going to be so honest with. you. It's It's taken me a minute to even. understand. interest. Like it took me until 27.39%. You're not even saving money from a. credit card. It's the same kind of. interest rate as a credit card. Yeah. But so what was the intention. here? Well, yeah. What was your desired. intention here like with the lend or the. loan? I mean, yes. What were you trying. to do? I I just wanted it to be one one.

payment. I can't do I forget I forget to. make payments. Forget put it on autopay. I Yeah. I Okay. You don't get to leave. here just like everyone else is on the. show without downloading the Simpler. Budget app. If you can't manage a single. payment, you have to at minimum know. where all your money is going on a. monthly basis. This is literally. automated. interact with the community. in there. It's people holding each other. accountable. You get premium forever.

Um, you guys get a multi-week trial and. for those who sign up for the annual. version, I'll sign you a signed copy of. the cookbook and the simpler budget. journal as well. I'll sign them both and. send them directly to you. But you do. not leave until you sign up for that cuz. the fact I mean the fact that you. couldn't like handle payments even. though you may have actually been saving. more money. I don't know. We can figure. out the math. But at that point, you I mean, you just can't be. responsible enough to hand handle. accounts. Yeah. You just you can't be.

Yeah. Cuz even even even if I get you on. the Fizz card, which a lot of people do. I mean, even that I mean, you're still. going to have to make a payment. It just. it doesn't allow you to spend what's. over your checking account, but. you but you still have to make a [ __ ]. payment, and I can't trust you to do. that. Okay. I mean, I feel like if it's. one payment, I'm good. If it's one, it's. one for one and then you have another, then you have another. I mean, it just. constantly becomes multiple one.

payments. Then you have a of payments. Exactly. Yeah. But it just feels better with it. just being 220. I don't have to log into. like Victoria's Secret and Michaels and. Care Credit and like it it's so I have. too many. It it was overwhelming. This. made it a little less. overwhelming in my opinion. Yeah. But. why did you consolidate the consolidate? Uh.

it I mean. it it seemed like No, it seemed like a. quicker it seemed like a quicker thing. It would I would be able to pay it off. faster. Were you? I mean, I'm still. paying it off. I mean, it's at a 30%. interest rate essentially. So, yeah. I. mean, we know what comes in. How much. did you spend last month? Last month on. everything. Everything, including debt. I want to say at least 3,000 at least. But I So, you're okay with us more. spending more money than you make?

Probably cuz both mommies support you. Okay. It was also 5,672. So, 5,672? 5,672. Oh, that was my that was. Do you care? Oh, I absolutely care. Then. why the did you do it? I. Then why would you not know? I I just have a hard time managing. I. have a hard time like Why? Tell me how. you manage. I I don't like I just like because we.

really care. I do. So we just don't. I. mean cuz like there are different areas. in which I'm better at the money. Like I. have I have like a savings account. specifically for summer. Like how I said. I for Yeah, maybe that pays off the. [ __ ] debt and you don't take summer. off, you dick. Okay, [ __ ] sake. You. Okay. Okay. Okay. What else? What else? What else? I mean, what else? What else. are we good at? You're only able to save.

up for fun, but you're not able to. actually take pay off the bad. Okay. Yeah. What else? What are you good at? [Applause]. Um Oh, come on. What? Well, now I'm. second guessing. myself. I don't. um I mean I think that I'm good. Like I. I calculate everything that I'm going to. make every month. I I calculate my hours. and I try to like lay it out. But that. means nothing without knowing your.

spending. Yeah, that's that's my. problem. That's my problem with having a. savings account is because I just. constantly pull out of it. It's not. actually a savings account. Okay. So, what. the So, it's. Okay. All right. Let's talk about. something most people ignore. Your old. 401k. Yep. That retirement account from. your last job that's just sitting there. collecting dust. Before you say, "Oh, I'll deal with it later." Let me hit you. with the reality. 25% of all 401k assets.

are lost or forgotten. And that's real. money just floating around because. rolling it over can be a nightmare. Calling your old employer, digging. through paperwork, maybe even dealing. with a physical check. Who's who still. uses those? But lucky for you, today's. sponsor, Capitalize, makes rolling over. your 401k into an IRA stupid easy. Here's how it works. First, Capitalize. helps you find your old 401k. You don't. know where it is, they'll track it down. Second, pick the IRA that works best for. you, whether that's a new one or one.

that you already have. Third, Capitalize. takes care of the entire rollover. process so you don't have to. No. questions, no endless phone calls, just. expert guidance so you can reclaim your. money. So, if you got an old 401k just. sitting around, do your future yourself. a favor. Roll it over to today with. Capitalize. Click the link in the. description below to get started. Let's. get back to the. video. Okay.

All. right. Michael's card. Michael's card. [ __ ] sake. I've never even seen a. Michael's card. Yeah, I had no idea that. they had it. I've never seen But that. first purchase, I got 20% off because I. got it. This is so stupid. Well, on your first. purchase. Yeah, 20% off. Yeah, it was nice as Listen, you were at 286. You could have paid that off. I know. That was my full intention.

Not your full intention or else it would. have probably happened. It's probably. like a quarter intention. You made a. minimum payment and then you just then I. forgot to pay interest to acrewue. Yeah. And I forgot to pay one and then Yeah, I. forgot to pay when that is why I'm. saying hey if you knew that and you had. to consolidate for it then why the did. you open this card? I if you know this, you are self- admitting this flaw. So.

don't do it. Don't do it. When I know I. [ __ ] If I know I have Oreos in my. house, I will slam them down that I. don't get Oreos. Yeah. Why are you. getting this? I. just I really I really wanted something. from Michaels and I just didn't want to. So buy it with your money. I didn't want. to spend like my actual money on only. got 20%. But this this is this is cuz. then you're having interest. Whatever.

20% you've immediately lost. You. immediately lost. Because of the. interest, right? Yeah. Because of the. interest. Yeah. But I I just like I. figured it would be better. I like. paying things off in increments later. That's why I like doing like CLA and. stuff. Wait, no you No, you [ __ ]. don't. Cuz you can't manage your. payments. What are you talking about? You do not like that. You objectively do. not like that. cuz you can't do the you. have admitted you are incapable of doing. more payments than one. So how would it.

make sense to get in all these paying. for cuz you have to make those payments. I don't know if you know that but you do. have to actually pay them. Well I need. to I need to turn on autopay on that. one. Yeah on everything. Why don't you? Well it is on on my CLAS and stuff like. on my CLA my affirm and that those are. auto payments. [ __ ] sake. There there. are just like things that I want and I. don't necessarily need, but I want them. and that's what I put on the And you. want that more than getting out of debt. because if that's so okay, fine. We can. we can we can call it because good. If.

that's the life you want to live, that's. fine. I'm okay with anyone living the. life they want to live. I yell at people. and give them the wakeup call because. they want it. They sign up for it. They. want to get out of debt. They want the. tools. They want the resources. They. want to join the median $10,000 paid off. in 10 months that our guests do on the. show. That's what they want. If you want. to spend your money on bull, if that's. what you prefer, if that's where your. objectives are, if that's what you care. about in this world, then go do it. I. don't care.

But I want your help. I cuz I I just. have no self-control. I have no. self-control. And I'm trying to get open. a cracker. I know. I'm trying to get my. together. I'm trying. I'm like by. spending double what you make. Yeah, that's trying. That's the word trying. Yeah, I mean I just I really like to. shop. So I just I'm trying to be better, but I there by spending double what you. make is trying. I'll never understand. this. I feel like I have this part of. the conversation in every episode. The.

are you talking about? I feel like when. people get pushed to the edge, they say, "I'm trying." After they get called out. on all their bull, their human emotion, human instinct is to say, "I'm trying.". Are you? Are you? I have literally your. actual accounts, your literal most. recent statements. There is not a single. indication of trying. In fact, you. consolidated and then you opened a. credit card, didn't make a payment on. it, and that is my I'm trying. What the are you talking about? Not going to baby you. I'm trying. No,

you're not. That's a load of. bull. That is you trying to get out of. being pushed back on. Don't with me with. your trying. I look I I want to be better. I really. do. I just like there are times when I. see something that I want and I just. need to get it. And and we budget for. want again. You build out the want. category and literally you put your it.

automatically goes in there and you know. if you've maxed out your want category. I'm okay with the want category. In. fact, once people pay off debt and have. an emergency fund, I give 30% of. people's incomes to wants, which is a. substantial amount of money. That's. huge. Huge. Yeah. Great. You're not there yet. Okay. Well, I would love to know how I. can get there cuz I um let's start with.

don't spend double what you make. Okay. They'll open a new credit card when you. realize you couldn't manage credit cards. and you had to consolidate them in the. first place. Start with those. Mhm. That's what I've learned so far. I've. learned uh if you're going to, you know, do a business, you actually have to. participate in the business to make any. more any money. Even though we're not. going to do that anymore cuz you. actually don't want to do that. You just. feel like you have to, it sounds like. So, we're actually not going to do. that. Yeah. Let's start with those. the.

most literal basic things that you. weren't capable of. It seems for some. reason. I I mean I really don't know. I don't. you don't know what I don't know what to. say cuz like I feel like everything to. say everything that I say this is at a. 36% interest rate. That's. Michael's. Michael's I don't think I've. seen a credit card that high. I think. that's the highest interest rate credit. card I've ever seen on the show. Wow.

And I film a lot of these. It's crazy. I. could be wrong, but I think that is the. highest interest rate on a credit card. that I have seen. Yeah. And. yes, I think you've had two missed. payments this year. Two late payments. this year. Just since October. This. year? Do you know what this year is? This year? Oh, yeah. No. 2025. This year didn't start in October. No. I don't know what they teach at OF.

school, but it starts in January. Uh, and it's been this year so far. Two late. pants. Does it say how many? Wait, since January, I've had typically with. the fees that usually get added from. late payments. That's how the math. looks. Or they just have, you know, a. high late payment fee. I don't know. They have a high interest rate. So. maybe I don't know what did you even buy. to open this? What is worth this to you?

What is worth all of this to you? Um you know like the little like. Halloween figures that they have at. Michaels like the little Halloween town. No, I've never been to Michaels. So they. have like these like Limax Halloween. Town figures that like light up and. they're like little houses and stuff. You weren't even doing aing hobby. Isn't. that what Michaels is for? For hobby. that you're occupying your brain. You're. just buying some Halloween Town action. figures or something. I mean, some GI.

Joe Halloween Towns. They're better than. G.I. Joe. I feel like it's like a. tradition for mentally. It's a tradition. for me. A tradition up your finances. yearly. Sure. The year that starts in. October. It it is a tradition for me cuz it was. always a tradition with my dad, too, that I want to get a new piece every. year. Does it feel weird to be entering. the third quarter of the year when the. rest of us are entering the second. quarter of the year.

today? Yes. I. don't Okay. They just gave me a picture. So, you don't want to know about my. Halloween? It's a decoration. Yes. It's. not even Is this a decor? It's a looking decorate. How much cost? I mean, each piece is different. Like, how many pieces did you get? I got two.

this year. I think one was two cost like. 300 bucks. No, I think it's a crude like I had like. the credit limit of 300 and then I. spent. Dude, your balance was basically. 300. Yeah, because of the interest, right? When did you purchase these? October. Okay, that makes sense. Halloween. Yeah. Uh, no. I mean, if you make your minimum. monthly payment, I guess. Yeah. It's more than your. interest acrewing this year so far.

Yeah. I don't know about last year. I I. don't Dude, this doesn't make any sense. How much did these action figures cost? I think they were like me. I think they. were like a hundred each. So, you're telling me you've had about. $100 in interest in fees since. purchasing these in October? I swear. Yeah. I They were not 300. I had like a. balance after. That's not better. It's. worse. No, I had a 36% interest rate.

[Music]. Wonderful. Well, that's just about the. stupidest credit card I've ever seen. That's funny. No, I don't think any of. it's funny. I just like What do I do? You're yelling at me. What do I do? Do. your stupid October. spending. Okay. Synchrony. It's what it looks like,

right? No. Care Credit. Care Credit. through synchrony. Okay. Did you just fart? Are you having a. fart? No. My stomach is growling though. Did I just. No. Smells like dog fart. Oh, I'm dead.

Huh? I mean, yeah, probably. What? That. Care Credit probably smells like dog. fart cuz it's all my dog. Oh, this is all your dog. Yeah, that's. all my dog. What is you cannot afford to. get a pet in 2025 if you do not get pet. insurance. And it's really as easy as. that. Well, so I actually So through. VCA, they have like a monthly rate that. you use to it's kind of like insurance,

but apparently it's not as good as. insurance because then I took my dog to. the emergency room and that didn't cover. it. So that's why I had to take out the. care credit. Is it I It just covers like. doctor fees. I guess they wanted me to. add up. It's the bare minimum. It. doesn't cover emergencies. It covers. like the annual checkups. Yeah. Okay. And vaccinations probably. Yeah. Okay. So. $277.34. So the minimum monthly payment.

of $30. When was this? That was last. month. Yeah, it was beginning of March. This is pretty cheap for an emergency. visit. What? What even happened? So, my dog I just got my dog. So, she's. like 5 months now and she's all pet. insurance. Yeah. I I want to get pet. insurance better than anything. If you. can after this trip, I don't know. Let's. see. No, that's real. Um, so she's. usually pretty like all over the place.

And there was one night when she was. just kind of chilling on the couch and I. was like, "Huh, seems like she's growing. up, babe. I think I think she's calming. down. And my girlfriend was like, "Oh. yeah, this like cuz my girlfriend hates. my dog." So she was like, "This this. sounds like an incredible relationship.". No, it really is. It is a really good. relationship. I promise. She hates. essentially your guys' like child. No, we have three cats, too. But um so she. was on the couch. She was like limp. So.

I thought my dog was dying. So I ended. up taking her into the vet. And the vet. took me in and I was like, I think my. dog is dying. So, she was like, we need. to run all these tests. And I was like, I I can'ting afford all of these tests. Then you shouldn't have a dog. Well, it. was like these like cuz she was she was. high. She got a hold of You couldn't. afford the test though, so you shouldn't. have a dog. Well, not well. If you can't.

afford to take care of the dog, you. can't afford the dog. Well, I take care. of her in every other way. This is a. pretty important way. I keeping them. alive during an emergency. Well, yeah. If I had to spend like I have the. savings. So, like if I had to spend like. that $600, I would. It's just like what. is in savings? In s like how much do I. have in savings? Yeah, you brought that. up twice. What is in savings? Like. $1,600. So, it's not Okay, you made it.

sound so much more substantial. That's. your summer fund. Yeah. Good luck. It's not a [ __ ] month fund. for you. It's not a half a month. It. pays for my rent. I was going to instant. pay for a third of what you spent last. month. Yeah, but I was going to Your dog. got high cuz you can't put your weed. away. Apparently. Yeah. Yeah. Cuz you're. an adult in every instance, in every. situation. Yeah. But yeah, so she ended up getting. high. They ended up just sending us.

home. Everyone on the show, everyone. better with money is either addicted to. nicotine or they're smoking with the. con. How much do you spend on a monthly. basis? I don't smoke it a lot. How much. do you spend? Like zero. Like it's like. it's like $50 every few months because I. do not smoke that much. But you leave it. out. Yeah. I mean, I don't think she got a. hold of like a whole thing. Like I feel. like we might have smoked and she like. got like a piece like it was like a one.

time thing. Like I don't think it would. happen again. I hope not. I don't know. how you can afford it. Yeah. What am I looking at here? I don't know. I mean this is this looks like a paying. for but I don't know which one. Oh, I. think that's after pay. No, that's a. firm. Yeah, you're overdue. in that. Yes. I didn't have the said I pay all those. on. time earlier. Yeah. So, she changes it.

like 3 days before coming to the show. Off. Listen, you led us to believe that. you were okay with managing these cuz. you always pay them on time. But there. you go. It's completely you. $52846. What is thising Amazon? What is. this? Deferred for eternity. Uh, no. Open it up cuz I need to see your. current plans cuz you only sent Oh, you. Oh, you only sent like the first page of. things. I need to see more. I need to. see more.

That's for firm for Amazon. Oh, I'm sure. sure we've added some since. then. It's not even like letting me see. I'm sorry. I'm trying. Let me. Okay, here you go. You are you're. welcome to look through this. Her balance went up by $250. It did.

That was from Expedia. What? To come here. Okay. Well, at least you get reimbured. for that. $759. Go. She doesn't know how to tell the. truth, guys. She doesn't.

Half of Hey, half of these have autopay. The other The other half don't. So, good. luck paying those on time cuz you didn't. even know. Amazon. Walmart. Walmart is. auto pay. Nope. Nope. Literally. Nope. 66 one, right? Nope. It is not. It's. literally says off. Oh, that's that's. ridiculous. Cuz it was on. It's off. I. And I can't trust you. No offense, but. at this point with everything you've. said so far, there is no trust. How?

Dude, your phone's obnoxious. You get. just spam spam spam every 5 seconds. Oh. my gosh. Okay. Your minimum payments on here is. $1841. use our reimbursement and pay off. the Expedia one. Yeah, this is so. stupid. I know. This is so stupid. While. I'm on here, let me look at your. subscriptions. I don't think I'm. subscribed to that many that many. Correct. Well, I think it's like Google. Drive. Yeah. And Gmail. Pay for Gmail. I.

didn't know people paid for Gmail. Yeah, we've had every image editor and video. game in the world. Wait, what? the things you have subscribed to like. in the past. Yeah. Dog training like. Guitar Pro tab things. Apple TV Plus. That one is a very worth it. subscription. The Apple TV Plus. Yeah. Best streaming service. Let's look at. your Amazon orders also while we're.

here. Uh-oh. Fake eyelashes. Are you. wearing them? I am. Is this pee paper for the dog? Yeah, the. pee pads. Horrible training. No, cuz we. live in an apartment. So, I'm just. trying to get her to go somewhere that's. not the floor first. I raised my dog in. an apartment and I did not let him pee. inside. And guess what? He never pees. inside. I take her out. Yeah, but you're. allowing her to pee inside. It's not. good. Wigs. Are you wearing a wig?

Huh? My hair wasn't ready for the day. So, you're wearing a wig? Yes. What does. it look like under that? Blonde. I mean, it's greasy right now. Messy. Is. it Is it a prop for. the OF? It could be. Okay. Yeah. Dog. graduation cap and gown. Plaid dog. dress. No heat overnight curls. Party.

variety overnights. Oats overnight. pack. Lash. More fake lashes. Okay, we get. those every second of our lives. Stylus. pen for Apple. Dog poop bags. The first. one I actually finally support. More. lashes immediately. Puppy pea pads. Bad, bad, bad. Sling. Dog carrier sling. Yeah. What kind of dog do you have? A. pomer. Then fake nails. So it just yaps. all day. Oh. Yes. Oh, I could never do.

that. Oh yeah, she's rough. That's kind. of why my girlfriend can't stand her. Yeah, you were lap. It was It was. yapping while on the phone with Lindsay, she says. Oh, no. I'm sorry, Lindsay. Oh, okay. Guys, I just wanted to say an. extra thank you for making Simpler. Budget an incredibly popular app. I. wasn't expecting it, but we literally. get like thousands of downloads a day, and a lot of you are actually changing. your financial future, and we've been. hearing from you. So, thank you all for.

supporting us. We just wanted to. continue to say thank you and give. people the opportunity to try out the. app. We still have a twoe free trial in. there for the premium version. And of. course, everyone that signs up for an. annual version, at least for this next. quarter, will get a founders edition. simpler budget notebook. And it is. signed by me, sent directly to you. So, that's a special thank you for putting. your trust in us to create an amazing. budgeting app. And let me tell you, the. features that we're going to release. throughout this next year are about to. be crazy. I'm going to make this the.

best budgeting app that has ever. existed. Seriously, download Simpler. Budget now. It's incredible. The time to. take control of your finances is. literally right now. And as an extra. limited time only bonus, I will give you. a signed version of my budget friendly. cookbook for free when you sign up for. Simpler Budget Premium Annual. Why the. are you clinging Walmart? That was for a. laptop. From Walmart? Yeah, they Did you. even get It was a a refurbished uh Mac.

that I got for Mac. What that you got. for Olaf? You're still paying for it. Yeah, I know. You need a Mac for guys in. order to upload pictures of my tits. I. need a [ __ ] MacBook. They have They. have a specific software. I I need a I. need a Mac Studio. I need M4 Ultra Chip. so I can upload a picture of my [ __ ]. What the [ __ ] are you talking about? They have a specific. application that you can use to see what.

pictures you have already sent to. someone. It helps manage the account. Only Apple has this. Apple and Windows. So, the two options. Okay. And it's a it's a downloaded. Uh-huh. It's not a browser. You can't use it in. a browser. No, you cannot use it in a. browser. It's like an application. Yes, but you cannot use it in a browser. I. mean, I couldn't use it like on my.

phone. Like, it's a it's a Mac thing. and Windows. And Windows, which means. you could have got a computer you could. afford better. Okay. I Yeah, I guess a. but this was a refurbished one. I didn't. buy like a totally new like 700. And. what is it? a MacBook Air year. 2020 one. that may have been the first. M1 I don't know might not have been.

worth it dude you can go buy theing like. M4 MacBook Air for like a thousand right. now that's $300 more and ad kicks your. ass I don't know I you probably just I. need to fact check no I need to fact. check what year it's from it might be. newer than That. what else? What the else are you doing. on here? What are you carning every. second of your life? Well, I did take a. vacation. Um, yeah, you take every. summer off. We know this one was in.

September. Oh, great. Not enough taking. two months off. So, I ended up actually. going to Houston. Um, I classic vacation. destination, I guess. The of Texas. I. went to go see um the YouTuber Mr. ballin with my girlfriend to see him. Uh-huh. He did like a live show where he. just told like the spooky stories in. person. He did that. Oh, it was so cool. He's been to my house. What? I love Mr. Ballin.

Yeah, I love him. No way. Yeah. Wait, that's so cool. Oh my gosh. I'll have to. tell my girlfriend. Yeah, I'm sure he. seems nice. But yeah, we we drove from. there all the way uh or drove from home. all the way to Houston and then drove. back. But that included like the Airbnb. Pomeranian dog. Now that I'm thinking. about it. Yeah. I mean, that's not like. an adopt from shelter dog. It's like an.

expensive dog, isn't it? Yeah. How the. [ __ ] did you pay for a Pomeranian? My OF. money. Oh my. She cash flowed it with. tits. Yeah. Okay. She was um I think she. was like a thousand. Yeah. When did you get her? When did I. get her? When did you get her? In. December. I got her around Christmas. time. But uh around that time I also got her. like the um like the training classes. and originally the VCA stuff. I got her.

like her exams all figured out. Like I. got expensive to get a dog and then you. did it. Yeah. Did you you didn't firm or. have to pay all that, did you? No. Okay. I did not. I bought all that with the OF. money. But like No, they're telling me. you did with the training classes. No, the training classes. You're right. That. was That was not That's a part of it. Yeah. You. see I can't tell the truth. Correct. No,

I have a car. What is this? A car. Looks. like it. I do have a car. What is it? Um, it is a Nissan Rogue uh SV. Year. 2021. Why the do you need a 2021 car? I know. LA is a driving city. There's not a. walkability in sight, but I had almost. paid off my other car, but I um I kind I. just got bored with that car. You're not. going to make it. You're not going to. make I like with mindsets like that,

you're not going to make it. Like I I I can't fix someone who just. does that. Who opens a new credit card. out of a whim even though they decided. they couldn't make their payments. Yeah. Because they wanted to get [ __ ]. little action figures except that. they're just decoration. Couldn't even. do anything with them. And then next. uh they sell off their business to an. agency essentially that does nothing. It's just get a car cuz you got bored. even though we almost were in a good. financial position where we owned our. car outright. Guys, everything's on.

autopay. Oh, wait. I'm missing my. payments on my things. Oh, wait. All the. things that are on auto pay now are not. on. autopay. I had help and it's getting. sucked from me. That's what she said. It's getting absolutely sucked for me. You're at just over a 9% interest rate. on this car. The minimum payment include. this in your minimum payments with. everything. I don't know how the. surviving. All right, mommies. $342.58. Do I have a value? The VIN is not.

correct for anything. No way. Well, you. gave him the wrong VIN. I didn't mean. to. Well, we don't know what it's worth, I guess. Do you want me to look up the. VIN? Well, you're looking for it with. this stuff that you're dealing with. deciding whether or not to get back in. the industry. Actually, before you. decide before Well, actually, if you go. away from it, just go away from it. But. if you're thinking about going back, before you do, please sit down with the. therapist. I'm going to cover three free. sessions with Sandremine. Talk to them. about it. I want to make sure you're.

doing something that you're noting. yourself in the future mentally over the. stuff. People go through bad experiences. there. Yeah, definitely had one. What? The agency or. something else I don't know about? No, just the agency. Just the agency. All. the other experiences have been popular. We haven't done anything. Are you a. collaborator? No, this is solo. Okay. So, there you go. Just solo. So, when. did you get this car? I got it in March. of 2024. It's going to be paid off in. 2030. Yeah, just take a barrel now. And.

it's looking like the car is worth maybe. around 16,000. So, it's actually not. that bad. So, what we're probably going. to do with this then Okay. You willing. to get rid of it? I don't want to get. rid of it. I don't give a Are you. willing to get rid of it? Am I willing. to? Yes. Then I'm not going to be able. to get anywhere. Oh my. Obviously, that's not what I'm saying. Okay. If we. get you another car, are you willing to. get rid of it? Yeah. Okay. You're. probably going to sell it if What's your. credit score? 680. Yeah. You might be.

able to get a personal probably getting. a personal loan to pay off the. difference about $1,500. Okay. Boom. Then you can sell it. Then you get a. $10,000 car with a $10,000 loan. Then. boom, we've already cut your debt down. by $16,000. That's a downgrade. 6,000 hours. Huh? That's a downgrade though, right? Yes. You don't need to live a high life. You. make $25,000 $2500 a month in LA. Yeah. That's the rough part. Is that all your. debts? I believe so. I can't believe I.

[ __ ] inked myself. You have $65 in. your checking account. Like what what. the [ __ ] are we doing? Start with 45. even worse. No wonder some credit cards, you know? I bet some of your payments. aren't even late payments. I bet they're. just bounced payments cuz you don't have. enough money in your check to make them. I bet. I mean, I don't know. We'll see. I that's alling stupid. It's a bakery. and pokey and community restaurant. whatever something I don't know sending. $50 out cash apple cash and Microsoft. apps lof loose leaf boa.

guys other than three purchases on here. This entire page is [ __ ] Look at. that. The entire page. This ising crazy. You don't give a sh You don't give a. [ __ ] is swiping more than ever with a. low income in a high cost of living. area. You don't give. a loose leaf, Apple bill, Pete's Bella. Beauty Lounge, and then you don't even. wear your real hair. Phil's coffee, Luna.

Grill, Apple Cash Out, snack. We're. getting a snack for. $7.19. Okay, great. That's a worth it. snack. Apple cash that out. Casa Romos, Uber Eats, Soup and Fresh, Starbies, Apple Cash Out, Seven Leaves Cafe, Luna. Grill, Apple Bell, Apple Balance Cash. App, Apple Cash. What is all this Apple. cash you're sending out? It's every. second of your life. Can I see it? Oh. my. It's not something I'm going to look.

at it. It's literally just Apple cash. It might have been to the agency. What? Yeah. Otherwise, you have to pay. them their cut. Yes. And you pay them in Apple cash. That honestly you don't even know. I. Luna Grill, Apple Balance, Apple Cash. Okay. Apple Apple bill. Starbucks. Apple. cash sent out. Apple cash sent out. Dumpling bar. Spotify. Starbucks. Apple. bill. There's a lot of Starbucks. Lot of. stupid. Zelling out 164. Zelling out.

800. Zelling out 40. That sounds more. like the agency, right? Yeah. Cuz $800, that's a substantial rent. That's my. rent. That's my rent that I sent to my. girlfriend. you don't have enough money. in your account, so you pay $5 just for. the uh privilege of having this account. on a monthly basis. You don't even know. that. Oh my. um but I did recently they have at. Knottberry Farm they have this food. plan. So I the are you talking about. food plan for what farms? What are you. going to picking corn? No. What are you.

talking about? Notberry farm. Maybe if I. just let you talk but I didn't want you. to. No, but like you know notberry farm. No. What? So, where do you get berries? I don't know. Whoa. It's like near. Disneyland. So, it's an amusement park. Do I live near Disneyland? I know, but I. thought it was famous enough. I don't. know. That That's Jake. Do we know. Farms? Jake has stepped inside of his. office. Oh, Lindsay doesn't count. She's. from LA. Not far in like Yeah. Not scary. farms. Yes. Spooky scary. Not scary. You.

know about not scary? We're going to ask. Jake. Do you know? Yes. Oh, okay. Maybe. I'm Either way, they have a food pass. that comes with their uh annual pass, which is like. $100 for the annual pass a year and then. 165 for this food pass. And you can come. in anytime and every four hours you can. get a meal. So when I'm hard on cash, I. do usually do that. How much does it. cost to get a meal? Uh like free with.

$100. Free with $165. $165. And you can. get a free meal every day. Mhm. Isn't that nice? Yeah, that sounds. like a worth it subscription. Why are. they offering that? I don't know. I I. should gatekeep it though. Kind of. But. also, if you're able to literally get a. basically free meal or like a 50 cent. meal. Uh why the are you spending so much on. going out to eat? That makes no sense. That actually makes it look even worse. Some days I'm tired and I don't want to.

go all the way to Knots Berry Farm. And. they don't have like they don't have. boba at not berry farm. I love boba. Make it at home. It's I feel like it's just not the same. It's like coffee. It's coffee can be. better at home. I I need to I need. someone to listen. Going out to eat was. almost $700. And then you sent money. Apple cash out to the girlfriend for. rent, which Yeah, but also for food for. going out to eat. It wasn't all rent. You were Apple cash senting out every. second of your life. It couldn't have. been rent unless you're paying rent.

every day. Yeah. Stop it. Miscellaneous. Another 700. Oh yeah. It's so [ __ ]. stupid. It's so stupid. Doesn't make any sense. Oh my. It's not. Sorry. I don't. It's our life is a. disaster. It's not funny. 177. It's. funny. Five Below. So probably get into. some [ __ ] Raw store. Starbucks. Starbucks. Snack cat. Two hands. Starbucks. Rad coffee. Starbucks. When. you're talking about going better coffee. from home, you're getting Starbucks.

burnt ass coffee. [ __ ]. off. Zelling out money. Oh, it's all. [ __ ] It's all [ __ ] Orange. circle. Sana. Amazon. Starbucks. Getting. some BS. Amazon. Ross broth. Sana. [ __ ] Starbucks. Luna Grill. Prime Video. Coffee and. Groove. Taco Bell, Snack Cat, Flame.

Broyal. Ah, it's anothering page. You're. hurting my voice with all just the. absolute stupid. Yeah, you're going out twice a day minimum. Probably three times a day. Coffee, lunch, dinner. Yeah, we have like a 25. cent meal that we can go get. You Olive. Garden, Wetszel's Pretzels. Great. Cassid's Corner, Homegoods, getting some [ __ ] Starbucks, TJ. Maxx. You get clothes every second of. your life. Ross, it's usually just like.

unnecessary. Oh, off. There is no such thing as a. necessary decoration. Unnecessary. decorations. Yeah, you're damn right. They're like a stupiding. little in a sled, right? One of those. Halloweeners. Yeah. Yeah, that's the. picture I saw was Halloween people in a. car, not a. sled. Some bull. Hot Topic. Yeah. I I. love Hot Topic, though. I get rewards there a lot. Well, it. sounds like you're prepping for a. redemption arc. McDonald's, Amazon,

Prime Video, Jamba Juice, Knots Berry, Admin. $21. I thought you got free. admissions. No, I'm paying it off. monthly. $21? That's not $150. No, you put it all. together. It's It's like a monthly plan. Like how you get a Disneyland pass and. you can pay it off monthly. It's the. same thing with Knox. But that's not. $150. You said it was $150. It's $21. No, $160 for the food plan and then $100. for the pass. So, it's $250. Yeah, I.

would say two like $250. Yeah. But why. are you going out to eat three times a. day then if it's $20 a month for that? Well, Starbucks usually in the morning. Yeah, I know. Oh. Oh, I thought. Starbucks was in the middle of the. night. Three times a day. I only. Starbucks you lunch you dinner. Dude, there is no way. With the amount of. going out to eat, it is. Plus sending. out for the girlfriend. You're going out. to eat three times a day. Starbucks, lunch, dinner. You are. There's no way. you can't unless you're getting two. dinners a day. Well, I Starbucks cafe.

probably. Ladies and. gentlemen, here we. go. Savings. Our legendary saver. I'm sorry. I. you. -411. Look at it. Look at it. Let me. look at it. Look at it. What bank account is this? Your bank.

account. What bank account? I have a. couple. I have a couple. Like one for. savings, one. Yeah. Stupid. This has. changed. It's better now. I don't give a. this last statement. You were negative. in your negative in your savings. $83 in. acorns. Yeah. No, acorns. And acorns is good. I. like acorns. I prefer mumu. Everyone. knows that. But it's fine. That's fine.

That just gets you a better cash rewards. when you deposit money versus acorns. And then 890 in here, but it started at. 1,000. So, it's just going down in this. checking account. You're just sending. money out like you said. So, it's not. even a reliable savings. What a joke. This is all a joke. This is a [ __ ]. joke. Before I even make a budget, let's. just see if you can even if the is there. even a chance for math? Is there even a. chance? What are you going to make dog. grooming? Do you know? Um, so she said I.

could make up to like. uh I 40,000 a year. for LA. That is a big struggle. Yeah. I'll gift you a course career. certification of your choice if you want. to change your career paths. I smell the. dog fart again. Something's happening. Yeah. Listen, your debt minimum monthly. payments alone's. a,3.99. What's your portion of rent? Uh. 800. What's your portion of utilities? That 800 includes the utilities. Internet as well. Yeah. So 800. How much.

gas driving? We Oh, vroom vroom. Drive. My mom helps me with the gas. See, she didn't even tell me that. earlier when we literally talked about. it. Did we? I'm sorry. Are you serious? Did we Did you just Did you just Did we. We me. No. You did. Yes, we did. You. said no. It's only It's only for food. sometimes. Which, by the way, you. because look at your food spending. I. know. You What an enablement from mommy.

Car insurance. Yeah, car insurance has. gone up. Two what? It was 190 and now it's going. to be 240. $400 to go and we're maxed out. Phone. bill. Uh, mommy. Mommy, take care of. that. Oh, maybe you should haveing told. me that when we Yeah. went through this. conversation, you privileged, spoiled. brat. Yeah. If you're ever on your own,

do Helium. Helium? If T-Mobile's good in. LA, do you pay for groceries? Yes. I'll. give you $300. Use the. cookbook. TV fund. Anything else that. you need to survive? $100. And I hope we have nothing else. cuz that currently has you maxed out. But we have dogs. Single dog. Do you. have to take care of the cats as well? Yes. Okay. then you are.

um out of. luck cuz even $40,000 a year. Yeah, I. think that's minimum, too. It really. just depends. Listen, here's the thing. The reality. is. you optionally only make that much.

money. Yeah. Because you work 30 hours a. week and take off 15% of the work. year. No, more than that. Cuz if we. incorporate weekends, all that stuff in. terms of actually working hours, you. probably take off like 20% of the work. year. Mhm. And then you actually take. more vacations throughout the So, I. wouldn't be surprised if you take off. 25% of the work year. This is all a. choice. And when it's all a choice, I. don't give a [ __ ] at that point cuz. literally you're choosing this. This. isn't a mathematical error. This is just.

youing around, not caring, being a. spoiled brat by two mothers. It's. stupid. Spending your budget zero out of. 10. I'm pissed off. Debt. I mean, it's. honestly not the worst. You're just a. dumb paying it off. Yeah, we can make it. better with that car consolidation. It's. a two out of 10. Emergency fund. technically a little there, but I bet. it's going to be drained. 1 out of 10. Retirement, I didn't see d zero out of. 10. Real estate, zero out of 10. Well, the closest you'll get to owning real. estate is your girlfriend's mom.

Yeah, I know. Financial score, one out. of 10. Guys, join us in the post show. I. know with this type of conversation, that's where we can have conversations. about things that would get this episode. demonetized. So, make sure you join us. there and join Hammer Elite for over th. for thousands of hours of extra content. and we upload almost daily there. Help. support the channel. And last but not. least, don't forget to download the. Simpler Budget app today. See you in the. post show. We can talk more about the. nittygritty because we can't get. demonetized in the post show. So, what.

is something crazy? What should we know. about this oaf? Tell Caleb how much you. spent on the tattoo and what it's of. Oh, and where even is it? 1,200. It's my. found. Yep. All right. To watch the. financial audit post show, click the. join button below.