Financial Audit’s Biggest Freak Show

what the is wrong with you I think I'm. done I think I'm done saying I can't be. helped I think I even think I can be. help no no no no no no no no no no no no. it's not about you can't be in help. making a budget right now is not going. to help anything because it doesn't. matter cuz you're not going to be a you. stop stop stop okay I need a. bower hi I'm Vanessa I'm 42 years old. and I'm from Round Rock Texas this is. financial audit.

normally this is where I ask what's your. job what's your income but I need to. call out the fact that I came in here I. sat down we had the normal conversation. is there anything you do not want to. talk about no that's not what you wanted. to talk about what you wanted to talk. about was you hit me with the you just. to let you know I don't know if this is. going to impact anything or not you know. but my finances are worse now than they. were when I sent these statements my. finances are worse and honestly.

a little stunned to hear that because. how can they be worth because the. spending on these credit cards is some. of the. most in it's some of the most insane. spending I've ever seen on active. interest AC crewing credit cards ever. and then to come and in here and say my. finances have gotten worse worse I. didn't know that was. possible so I just wanted to call that. out because the audience wasn't here. here for the pre-filmed conversation so.

the fact that it's gotten worse I'm very. curious to. hear okay but what do do do you do for a. living in Round Rock um I am an. assistant store manager in. retail Joanne. Fabrics yeah retail oh an yeah. oh oh okay um Joanne wait you can't.

that's not necessarily a bad career bad. job or anything but there is no way you. are making enough to spend the amount of. money that you are spending on these CRS. cuz I didn't know that I didn't know. that I knew you're spending I didn't. know that how much do you how much you. make if they don't pay very well how are. how you possibly spend okay what do you. make um that's a good question is it I. would love a good answer please come on. this is the easiest part of the entire. conversation everyone struggles with it. it's a good question thought I made.

55,000 a year but then um I just kind of. took a look at it this morning and um at. 2475 an hour roughly 40 hours a week. that is definitely not P time off and. everything yeah should be 51,4 a0. yeah what it's s pretty close it's sad. well I'm an old lady and I make no money. no. money you are below the median household.

in Austin close to 80 now for the median. household in Austin median salary in. Austin you're pretty darn on it what uh. in R rock is certainly cheaper than yes. Maine Austin that is true. median. salary okay well let's find out cuz I. don't. think you are you like down on yourself. about this oh yeah definitely definitely. is this a single household income no. okay then what what what how much is the.

other side um how much does he make is. that the question median individual. salary in Round Rock Texas is. $49,000 a year yeah I mean I probably. could be comfortable yeah and content. not with the spending that you have and. I know you haven't seen it yet trust me. we'll get there I know it's a little. hard when I freak out first but I just. know what's in this disaster okay well. okay so you have a husband no or wife or.

boyfriend oh oh it's not a dual are your. finances combined no they're not Okay. this not this is not a dual income. household you guys just like sprit split. a place to live okay then never mind it. doesn't matter um I mean I guess for the. rent part it might matter uh what does. he make let's get context um I believe. it's. 110 yeah if you guys got married you'd. definitely be well within and way over. the median household income of Austin. Texas so yeah how long have you guys. been together um oh wow uh very bad at.

these things probably five years six. it's marriage on the horizon that's a. while to be together we don't talk about. it I'm not you never what I don't know. it's just an uncomfortable conversation. why how's wait how's that uncomfortable. for someone that's been together five or. six years um you like go I don't know if. I ever want to be married and I'm not. sure how he feels about it either I want. to be married then don't get married. right yeah yeah okay what do you think. it's going to like summon a demon or. something with that no no no I just. wouldn't I wouldn't be helping his.

financial situation by saddling him with. my debt so I I mean the only one who. would benefit from that type of there's. tax benefits there's a lot of benefits. it's different than that also it's just. it's just kind of the Union that a lot. of people see and it also protects you. guys in the case of getting mortgage and. stuff but either. way what happens if he leaves you right. now you're all sudden of right yes okay. and that. likely uhhuh I know it's not. funny so you make above the median.

salary in Austin but. you clown on it like it's nothing yeah I. mean it's did you try to summon. something no no I just feel like that's. true just from my perspective you know. I've watched my parents work from the. ground up and and start you know at. entry level positions and which I assume. you did no one starts at 51,000 yeah but. you know they've also made me feel like. it's not good enough enough so probably.

I've internalized that and I I don't. believe that is it because it's retail. or is it the number yeah it's retail. it's like I haven't really utilize my I. don't get it you can make a career in a. lot of different fields I don't dude you. could start at the bottom of McDonald's. and work your way up to being a. franchise owner I you wouldn't look down. upon that if you ever worry about your. personal security keep listening this. year we've seen some seriously massive. data breaches AT&T 9 million customers. info hacked United Healthcare the. largest ever Healthcare data breach in.

the United States but the most insane. one national public data 2.9 billion. records that's like every American's. info just sitting there for hackers to. grab Social Security numbers full names. addresses it's death and you might be. thinking yeah but that won't happen to. me that's what I thought as well until I. started using the sponsor today's video. Aura and I found my email and passwords. were floating around on the dark web not. fun monitors billions of data points.

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wait and let Aura scan and see if your. data is already out there I really I I. don't get that that doesn't oh them who. who gives a yeah I mean you might give. but but it's it to me it's embarrassing. why you look like someone who Rebels. from their parents though so I'm a. little confused why you care yeah but. they they're in my head they're already. everything that they've you know taught. me has has got me to that point where. are they the only voices you hear in. your head yes okay just wanted to make.

sure yeah for sure okay so their opinion. weighs on you a lot about this job yeah. what do they do what's their special. little jobs that are above your job I. mean my dad started as um he's done. quite a few different things but he. started as just like a painter and um. worked his way up into you know the. union and um had a had a really good. comfy gig and then he started his own. business so um he's probably doing that. right now I don't know I don't to him I. haven't talked to him in years why do we.

get what he thinks um cuz again he. raised me so you haven't talked to him. you don't know what he thinks yeah but. and her he did push me to go to college. when I didn't want to let's talk about. the one that pushed you out what about. her um yes she she started off in um. mortgage the mortgage industry and then. she was working for Fanny May um pulling. in over 120 a year um right before she. retired def make less than that but. that's not I don't get it I wouldn't.

think too much about that my age at my. age I feel like I should be doing. something else fine why haven't you done. something else I've just Fallen back on. whatever's been offered aren't Joan's. closing around the country no no not. that not that they've told us about any. closings no I actually work for one of. the locations that pulls in a couple. million a year um we are a large. trafficked.

store so we're not going anywhere gosh. maybe it's cuz we're in a crazy election. but when I hear traffic that is not what. I okay and I've been. offered my own store but I I'm not. willing or able to relocate at this time. um like Midlothian Texas where is it um. places that are like two and a half. three hours away okay that is a bit far. and you wouldn't want to leave your. boyfriend yeah. um wow the meeting annual income for.

someone in their 40s. in Round Rock is 88,000 there you go I'm. not proud crazy that's that's that's an. insane number that's a lot of money it's. okay if you're not proud okay fine let's. move on from this let us talk about the. fact. that how much came in this last month oh. I don't know that of course why would we. know how much money comes in from an. income how much did you make this last. month come on you know your salary what.

came in do you not budget have you never. looked at an account I try not to why. it's does the but that that what is that. funny big scary numbers ha it's funny. that I don't look at my account and I. ruined my entire life and that's great I. said I wasn't going to do this laugh out. of embarrassment but yes oh it was a cop. laugh cop laugh yeah cop laugh cop laugh. is okay I get it I listen I get it let's. call it a cop laugh as long as this is. not.

around okay it's a. cop okay you're. right you're interesting thank you okay. for in a good way I don't I don't I. don't know listen just how much came in. for sake what do you think came in um oh. my gosh you have a job three maybe close. to $3,000 see you're not a complete. [ __ ] don't give yourself that treatment.

3,160 you know how much comes in you're. not dumb that was correct don't treat. yourself. like quick math off yes quick. math 3,100 comes in wonderful how much. was spent way over that I'm. sure I'm sure I I don't even again I. don't even how much was spent 6,000. 9,000 3 times what you brought in and.

you think that's even close to. acceptable it's not about it's not about. how much you make it is not you are not. in an unsurvivable income in Round Rock. Texas you're not the Rocks not even. around and listen you make enough money. to live there you do I did this to. myself yeah yeah so. why why would you possibly spend 9 000. it's not about looking down on your job.

it's not about looking down on your. income it's not about looking down on. your life it's not about not knowing how. much comes in it's about the fact that. you spent three times your income and. then you tell me it's actually worse now. your financial situation has gotten. worse now so tell me why would you. possibly spend $99,000 when $3,000 comes. in. probably a little bit of what you did. you just look at the camera I look at. the camera what are you looking at stop.

are you taking this serious hey yeah. okay focus up seriously yes it'll piss. me off I'm sorry come on I'm pissing. myself off um so yeah like why why we. need to know why do I IDE would be um. probably a little bit of ADHD a little. bit of um everyone on the show. apparently yeah a little bit of autism. maybe I mean also everyone on the show. apparently illness thrown in there for.

good measure a little bit of trauma a. little bit of yeah sure you wouldn't be. a guest on this show without all that. sure yeah all the excuses uhhuh all the. reasons and not that any of them are not. real but I'm a little sick of hearing of. about it four to five times a week. that's how much we film it's because I'm. probably looking for a little bit of. happiness a little bit that it makes a. bit more sense what does life look like. that we have to go three times are. spending on happiness what does life. look like that's the reason don't look. at it what are you looking at oh just.

everything no you. look byebye sorry the papa I am here. with you you sure you're not like in you. didn't just go through like a nether. portal or. something did a lot of disassociating. today yeah to get here so I'm probably. coming back to Earth right now what. is your life like that we need to spend. three times I can't say it's it's bad.

it's pretty cushy I mean I have my. necess what was that excuse then just. old resurfacing issues old oh okay what. I'm past half of my life so it isy. that's old resurfacing issues. resurfacing issues yes ha like old. traumas like I you. know I gained a bunch of weight I was. wearing just sweats and t-shirts and you.

know at some point my boyfriend. mentioned that maybe I could dress up. every once in a while which spiraled me. into thinking wait how did that. conversation go was it said just like. that if it was said just like that. that's a pretty way to say it BR yeah. I'm sure we could have conversations. about hey hey are you doing okay because. you know' been a little sloppy my. spending habits were under control I. typically overspend reel it back in take. cold of the rains get my finances in.

order as far as credit card debt goes I. still have student loans and crazy stuff. but um uhuh so I'll pay everything off. and I'll be in a good place for a few. months and then something happens where. I just so what then would it actually be. if two excuses so far are. incorrect so gaining a lot of weight has. caused me to so gaining weight's a. trauma no no no um I gained the weight. during covid the trauma being in 2016 my.

long-term boyfriend of 20 years my high. school sweetheart passed away oh you. guys were together yeah yeah since day. one ofo sorry I saw him wow so that for. like a decade and a half or so yeah two. decades yeah yeah wow I'm really sorry. when did that happen 2016 2016 okay um. that's hard so things have been I never. grieved properly I'm just going to say. it I did hold on but we I know it's. listen but a decade later we spend like. because of that like it's yeah well it's.

been happening are you just it continues. to Happ are you trying to find a reason. or is that just bad habits no one ever. taught me about finances or the value of. a dollar so if I have a little bit of. cash when did you get with your current. boyfriend oh um. 2020 is I don't know I'm bad I'm bad at. these things well we all got fat D in Co. our are the same size it's it's okay. it's like happens uh I get it um yeah so.

just general being down on myself. thinking you know um the instant. gratification of spending a little bit. of money a lot of money the thickness. you have. already. achieved the boyfriend and I can't get a. girlfriend so it's just like you already. have the thing that is necessary for. looking good uh but not that you. shouldn't have self-confidence after. that I'm not saying that but either way. either way either way either way just. beat yourself down well you beat.

yourself down on your job you beat. yourself down on your income you beat. yourself down on your weight you know. you do what you can do to try and make. yourself feel good yes yes yes. absolutely and that is spending. money okay yeah okay oh self assessed I. don't have uh self assessed I want to. know where you think you are oh okay I. mean zero to 10 zero being the absolute. worst 10 being the absolute best where. do you think you are today your finances. just your finances and in yours not you. and I believe I'm a.

zero that sounds as a realist try to be. um probably more like a two okay if you. want your Hammer Financial score it's. free Link in the description below and. if you want to come on the show Caleb. hammer.com. apply you can come here and you can. summon a portal in the middle of our. studio all right so huh that's good good. yeah were you an extra and Agatha all. along Capital One oh we're getting into. it okay I know you met Marilyn Manson.

though I was told that yes several times. this was just the most recent time that. I didn't have money to spend on meet and. greet tickets oh how much is a meet and. greet with maryn Manson five hundo oh. well he's fell off okay. uh he did it was his comeback. tour did he did he come back yeah he's. sober now. he's looking good feeling good so got to. give him props for that yeah sure $. 6,476 40 on a Capital One card with a.

$182 minimum monthy payment the crazy. thing here and what I was talking about. at the beginning is I mean we already. know you spend three times what you. brought in and obviously that is going. to be reflected on these cards thing is. the majority that actually went towards. the card were credits from returns but. payments 430 okay all right we paid more. than the minimum doesn't matter we spent. $ 5,674. and.

33 how possibly when we are. recru. wait wait actually how possibly like. legitimately how possibly because that. is again new Bal 6,475 you have a credit. limit of 5,000 yeah why do they keep. letting me charge probably so they can. eventually just uh absolutely destroy. you with credit and fees I'm going to. pay it off I just what do you mean. you're going to pay it off you just. yeah you would probably struggle if you.

spent the amount of. money plus more than there is on a. credit limit. no you would be struggling what what if. you going to pay it off why didn't you. pay it off you don't make this much. money you don't make this much money on. a monthly basis to pay this off what are. you talking about that doesn't make any. sense you'd have to put all of your. money of two months earnings no expenses. anywhere else and I know you have. expenses yeah to pay this off so what do. you mean I'm just going to pay off like. it's so nons and I'm struggling what do.

you mean you're struggling yeah you. spent the credit limit you spent double. what you make in a month on a single. card I mean I've done it before I just. don't really know doesn't matter if this. is how we are today yeah and I and it. continues to happen so like even if I. were to come into some money and just. pay it off I'd probably go right back to. those old. habits which is disgusting I. know I know if you. know and I asked this to everyone okay.

why don't you do anything to fix it if. you know it if you know it um don't know. where to start somewhere would be. preferable often feel hopeless not. really sure what can be done I just to. what to what to what to the debt I just. I'm talking about when you get back into.

the debt the spending that has gotten. you there and you know it's bad and you. know it's a bad. habit why haven't you trying to prevent. yourself from doing it a good prevention. tactic how about that how about I offer. a slight. solution that' be. beneficial how about I offer a slight. solution okay yes don't have credit. cards cuz then you can't spend on them. yeah it's not my money I get it you. can't be agreeable like that cuz if you. get it just like oh you're you know I am.

100% aligned yeah yeah yeah but I'm just. going to do the opposite anyway that's. not how that works you're not going to. say something just to look good you if. you agree then you wouldn't have credit. cards the instant. gratification just is so overpowering of. what gratification of what just the what. is it a food thing is it the the. dopamine from the grease is it buying a. thing the yeah definitely the dop mean. hit from um getting a good deal or.

finding something that you've been. watching for a while is is it even. possible to get a good deal if we spend. double what we make on a singular card. that is a grent interest and now we're. over the credit limit no and I was just. looking at that as I was sending over my. records I was like holy crap um excuse. me why am I saving $100 here returning. reing getting a sale using a coupon what. have you however to get a better deal.

when now I have a minimum payment or. like you said interest of $118 on one of. the cars I just I just like how am I. just becoming aware of that how long is. it take off just paying your minimum. monthly payments without even spending. on it which we know you're incapable of. how long does it take the. payoff. um before I got my new car I how long. would it take payoff was the answer that. I the question that I. asked probably six months six months of.

suffering six months yeah you'd be 65. when it's paid off oh 23 years see I. don't understand how money works then. clearly then you really can't have. access to a credit card yeah you really. I think it's time to cut you can use you. can use a card like the Fizz card it's a. Deb it acts like a debit card but it. builds credit like a credit card you can. do that you cannot have access to all. this unlimited money you can't you can. only spend what's in your account. and then you just can't spend anymore.

turn off overdrafts you just can't that. is all you can handle you have no. ability to manage this now don't get me. wrong we are going to give you the. education we are going to give you the. tools for free you're going to go. through the debt class so you know how. to pay off debt in the most effective. way how to manage debt and how to. actually utilize debt in a beneficial. way you're going to go through our. budgeting program so you can take all. the quizzes learn how to budget learn. how to look at your stuff plug it into a. budget and actually build it manage it. and stick to it and be disciplined on a.

monthly basis you'll go through our. investing program you'll go through that. so when you are ready for that investing. part of the conversation you will invest. adequately for what your investment. profile is based on your life you're. going to go through go through all the. quizzes go through everything join the. community talk to people go through all. that you get it for free by being a. guest okay go through it and take the. education seriously so you can actually. change your life yeah I think I'm I'm. missing that Community I'm missing. accountability pass past guest Discord. Community as well this is huge for.

financial audit for a year now my team. and I have worked with experts to create. what I truly believe are the three best. educational programs in the financial. space online we have our budgeting. program where I teach you how to create. manage and revolutionize your budget and. control your money and then there's the. investing program where I teach you to. Define what investing profile applies to. you and your life and then teach what. specific investing strategies applies to. you in that situation and now finally we.

have our debt program where I teach you. the best ways to pay off debt manage. debt and even take advantage of good. debt this has been a revolutionary. project that we've been working on for. over a year now and just like over. 10,000 people who've already taken our. educational programs you can now take. advantage of all three of them bundled. together at a 25% discount I've heard. from thousands of people now who've. taken these classes and they've. literally changed their lives for the. better and finally you can too at a more.

affordable price head to Caleb. hammer.com or click the link in the. description below you will not regret. this the credit card company's not even. holding me accountable they're just like. oh you they Mak money off of you no. they're a business if you want all three. of our educational uh programs you. definitely should take advantage of them. they're all bundled together 25% off. Link in the description below okay so. the spending on here that's what people. must be asking how did she possibly do. it free people tell just tell me about.

free people just just please just tell. me about free people so embarrassing so. that's my latest hyper fixation like I. just want to eat the same meal for three. weeks at a time I want to shop at the. same place for a time are we seeing. someone to address this issue then if we. get hyperfixation without any good. coping mechanisms if we're not seeing. anyone then we've just given up and. you're accepting it wow that is. eye opening um that's a good question.

because literally I stopped taking my. medication recently so I'm why now I'm. wondering if it's connected why because. it's expensive to see this doctor and. the medication you could probably get it. via tella Health what's your insurance. and is it more expensive than spending. $5,000 on free people uhhuh so what's. your insurance situation um it comes out. of my paycheck every your co-pay to go.

to the. doctor. $6,000 that's not your co-pay that must. be your deductible oh deductible yes. words yeah co-pay copay is what is taken. out of my paycheck every month right oh. I don't. know I really don't know. okay okay copay do you have your. insurance card on you um yes give it to. me I might be able to tell you room you. can go get it.

okay guys just a little spoiler. what look at this Free People spending. every line on there is basically a free. people. spending all right let me. see okay first of all in network go. somewhere in network it's $2,000 a year. yeah you kidding me come on it was just. pissing me off spending let's let's not.

say it's super expensive or not. affordable let's just say it was pissing. me off spending that money to see a. doctor and the Hoops that you have to. jump through in order to get your. medication what you mean getting. diagnosed did. that what get an EKG you have to do drug. tests you have to pay out a pocket for. that yeah probably to see that you're. not interacting with things or that. you're not around and that's what's. actually. ISU very reasonable they wouldn't know.

yeah but I feel like you shouldn't be. treating me like a criminal to get to. get my life-saving medication I should. be able to get it without having you sit. in a circle of knives every night before. you go to bed I would I would do a test. too you would test me that was a joke by. the way passed all of them I already. have her consent to make fun of her and. make jokes don't be little Pearl. clutchers children. here I don't want them to see your name.

okay yes so you saw that on the card. it's got that info on there I don't know. I'm just being safe no no no you saw Yes. the deductible. stuff uhhuh I should know. that oh you've been in adulthood way too. long to not know things I'm sorry like. that's just a simple reality health. insurance that's very. basic very basic it's literally just. there or you can can ask someone at the. front desk either way the Hoops you have.

to jump through making sure that your. heart is interacting with it well. through EKG and making sure you're not. in any kind of drugs this seems uh. pretty okay to me ADHD what what is it. well like. uh you know the the The Addictive. substance right yeah right that people. can often abuse and turn into other. substances you know they can not not. turn into but they they often turn go to. Crystal variations. yes or powdery.

variations yeah uhhuh I would drug test. you too that's probably just basic. safety those are the Hoops you have to. go through and also $2,000 and then they. cover 80% of every expense after that in. network yep uhhuh which you can find you. live in the awesome metropolitan area. you can find in network this is not. difficult sounds like a lot you are a. child hate you are a literal baby. totally come on like legitimately sounds. like too much work what do you mean you.

call do you have a phone there it is. Google call this is easy it's probably. on the website are you serious you know. what you're right it's too much work to. spend 10 15 minutes so suffer for the. rest of your life if that's if if it's. too much work so you've just given up on. your life then fine conversation done. that's what you've chosen you're done. you've given up you've concluded life. has ended no no then do something act. like an adult that lives in this world. are you serious I don't know how to deal.

with that that could that could be what. happened yes because you stopped your. medication without doctors yeah yeah. without being I thought I knew. better one you don't just quit. medications without talking to a doctor. this is this is basic this basic I guess. it's true I or or you potentially Wayne. or you potentially get on something else. or you potentially see a therapist on a. weekly basis so you develop better. coping mechanisms around this this is. simple stuff is it yes okay are you it.

seems like a. mountain okay okay which okay fine it. might feel like that it might be. daunting because you haven't looked at. that okay let me um let me respect that. and from there then maybe we just take. baby steps go just uh look at therapists. in my area see if you can find anyone. that works within you know accepts uh. Insurance some don't some do and just.

figure that out maybe start seeing. someone okay yes sir maybe start. [Music]. there I'm trying to get in the into the. whole southern thing you know like I. didn't like it very polite everyone's. been very polite good yeah it's a. pleasant City Free People Free People. Free People Free People Free People Free. People free people that's this one page. that was $32 $138 $320 $212 $138 $106.

$138 then we actually switched up with. the Ross then all these free people. let's say $281 oh you sure did and $160. $18 $16 $12 $300. $290 $439 $322 this is insane you know. that also we got a hotel thing uh. something on Homewood Suites yes hadn't. gone on vacation in many years moved. down here planned a vacation with the. boyfriend we if he pays for it he well I. covered the hotel.

cost everything else. was covered yeah yeah you don't have any. money so I don't care no you didn't no. no I feel I feel like give the vacation. a happy ending I promise he'll be. good'll be good enough for him 432 ew. he's your boyfriend I don't care what. you guys do I was making a joke but. saying ew about looking at picturing. your boyfriend naked Caleb I'm a naughty. little boy I'm a gooner trust me I mean. you you don't subscribe to the post show. do you I don't think I know what that is.

good you don't subscribe to the post. show do you no good you cuz you don't. have the money but if you saw what we. were like behind the pay wall it is a. Rowdy mess of just naughtiness and. Insanity in fact the live. stream for sake oh my gosh so I don't. need to know this at least I'm not. spending money on that spend money on. that if you don't have any spend money. on that are you kidding me okay what.

were you buying cuz I've only gone. through half of this and they were. hundreds. of clothes I don't need tell me for sake. I am losing effort right now into this. conversation especially after that. disgusting bit for a second what what. were you buying for s six please shoes. and clothes and bags shoes and clothes. and bags what kind of clothes what kind. of bags what kind of shoes what are we.

getting I'm just trying to understand. what the you're doing I was trying. to this cuz the baggy pants things yeah. what what is this what what update my. wardrobe feel get a little bit of. confidence in myself well okay that's. not a bad dresses it's mostly dresses a. dress person that doesn't mean we do. $5,000 out of the gate though well every. item from Free People is like $150 plus. dollars maybe we're not going to free. people that is your choice to go to Free. People specifically I've never even. heard of it huh it's free people right.

now and at one time it therapy. therapy I get hyper fixations too I do. usually it's meal related things which. is why this gets created oh I just eat. the same thing over and over again oh. yeah but guess what uh therapist yeah. well it all stemmed from a comment that. my lovely boyfriend made that probably. he's not even to blame okay what you. know he said you look pretty in a dress. I'd love to see you in a dress why don't.

you ever wear a [ __ ] dress and then I. bought he put clothes on and you said. Gross when we talked about him having. clothes off so yeah well just cuz we. don't know each other like that I didn't. know we were going to be talking about. that uhhuh. so so because he said that you hyper. fixated on Free People yeah cuz I was. trying to find myself like my style like. what is my personal style and I friends. here no um go with did you go with.

him he's come with me to return stuff. yeah we saw some returns but it doesn't. even come close to I return so that I. can buy more that's insane how many. different individual pieces of clothing. well you said it's like $150 a thing. right, just on average a whole closet. full of that I don't wear uh-huh why. don't you wear cuz I'm more of a. collector yeah 36 okay. okay 36 pieces probably so looking for.

stuff on sale though it's probably. closer to 50 does that make anything. better is that free people you're. wearing free people right now yeah okay. why Free People how do you get fixated. on that specifically cuz I'd like to. think that I'm boho chic I don't know. what that means but my boyfriend says. it's more like hobo he thinks I dress. like a homeless person I'm sure that. would be a funny joke if I knew what the. first part meant I'm going to design a. bindle I don't know what these words are. it's what hobos carry it's a stick with.

a bag a bindle Oh I thought the sticks. that you had were like wands to cast. spells on people no I'm not into that. sort of thing as someone who owns their. home let me tell you you know how you. feel when you try to pick a show that's. on a streaming service and there are way. too many options that's house hunting. with mortgages except picking the wrong. choice signs you up for a world of. headaches but I've got some good news. money.com has lined up its top mortgage. options just like your favorite playlist. they simplify the noise to help you.

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money.com which is compensated by its. marketing partners. $439 and then $322 $160 $138 9.74 $216. $75 $39. $227 $300 $119 $160 $300 $182 $75 that's. insane I don't look at it you go there. every day like what what is this yeah. like the what do you the packages the. packages just keep coming and then it's.

like oh oh oh it's web you're ordering. online yeah so you're not even trying no. and that is another problem too not that. it's an excuse but you you don't know if. it's going to work until you actually. get it and then there's probably a free. people in Austin right um at the Domain. yeah there you go close to Round Rock. but then I'd be there in person and they. would see me doing the bad things that I. do with my credit card it's bad enough. when I go to return and they know me by.

name and they're like oh it's the girl. who's like returning all her sh listen. this sounds more like a hyperfixation. that is you just going and literally. taking a little bit of responsibility by. going to a. therapist yeah and working on coping. mechanisms okay yeah okay we adult have. a little discipline and self-control for. sake oh God yeah being an adult is hard.

yeah try to be funny that's great that's. that's adequate for this conversation. that's this is the place where you. should definitely make light of your. situation where you're literally. destroying your entire life good job if. I don't laugh about it I will cry maybe. you need to no cuz once that starts. happening I might not stop no I'm not. saying I want you to cry but just like. making a joke out of it this is not a. joke this is not you're making your life. a joke. yourending working if I don't yeah how.

much you have in retirement today I. don't know like that's a 401k right it. can be that's a retirement vehicle. there's probably $1,000 in there I have. no clue I have no okay your life is a. literal joke financially speaking okay. we can agree on that yeah and you. shouldn't be laughing about that no it's. we're making light of it cuz it's real. this is actually impacting you you going. to have kids with this man no oh no I. don't want to pass this on to somebody.

else on this whatever's happening up. here that I need the therapy for hyper. fix that's just kind the medication the. whatever dude ADHD is not like the. craziest thing in the world it's not. like you you're acting like you have. like you'd pass on like a crazy rare. form of cancer or something this is not. it is devastating it is it is the way. you do it the way I do you're not. seeking any help you're not you're not. allowing to do. anything yeah untreated anything is bad.

mhm it's you literally your choice at. this moment so it's harder for me to. have Sy is so thanks for giving me more. fuel to hate myself like no you're right. you're right you're right it's. um it seems like such a simple thing to. fix no I'm not saying that but it's a. lifelong no I'm not saying it's a simple. thing to fix I'm saying the steps you. can take a relative simple to at least. start managing you're honestly let's be.

honest the way you you talk about this. the language you use you're using it. more as an excuse and a crutch instead. of an actual problem in your life yeah. let's be very honest and everyone tries. this on my show when they get a little. pushed back little push back immediately. oh it's a mental health thing everyone. needs to have a mental health Olympics. on terms of who has the worst mental. health and eventually what becomes hard. on that is I don't actually know who. does at this point cuz who can I trust I. don't know it's the victim Olympics it's. the mental health Olympics I don't know.

and I do believe you have this and I. believe you have this actual issue but. congratulations you not taking a single. step or take getting off medications. without even talking to a doctor first. is stupid and your choice and that's. being a dumb child you don't even know. how how to look at a health insurance. card so it's just like. I. $3,067 on the quick silver card with a. $14 minimum payment $74 of Interest acre. does have cuz. $1,416 to spent or at the credit limit.

who would have thought this takes 17. years to pay off minimum monthly. payments no more spending I hope that's. a joke also millions of people have. ADHD that doesn't mean millions of. people live like this yeah I live like. this. yeah. it's I'm ready for a change this is I. can't live like this anymore are you are. you based on this based on how you act I. don't know why do you want to change how.

about that give me why me here why cuz I. want to be. happy what's going to make you happier. about this change not struggling. financially all the time uhhuh cuz it. adds stress in your life so the being. less stressful that'll make you happy as. I just suggest saying yeah a. horse huh I would like to possibly own a. horse one day and that's real yeah yeah.

i' I've always wanted to live on a farm. or maybe like dig a little hole in the. ground for myself you know away from. people oh my gosh okay listen we went. from something so realistic to just. dreaming not that a horse is unrealistic. I'd like to move to the mountains yeah I. just you're not willing to move 3 hours. for a better job no um but I am willing. to try and change career paths or do. something different maybe hone my skills.

to make money off that I get that and. we're and we're g to have you just like. every guest go through course careers. free uh uh mini course so that it aligns. with what course you should actually. take to get what certification you. should get for a better career we can do. that we'll give that to you okay yeah. and everyone should go through that. looking to change careers or update the. resume and that's great but that's not. that does not get back to my main part. of my question I'm trying to figure out. figure out what would make you happier. getting out of this you immediately you.

were realistic about saying I'll be. happier cuz it was less stress and then. you said to get a horse and you lost me. there I'm talking about just getting out. of this what will actually bring. happiness by you changing this around I. want to know I I think like actually. getting the help that you've suggested. um changing my behaviors for the better. and but why give me a why not is my. bottom This Is My Rock Bottom I can't. get any lower to fix. it I know this is a problem I think you.

understand my question maybe I'm not. phrasing this correct okay maybe um. you're giving me the action that you. need to do but why make the sacrifice. and everything what is the point how is. it going to benefit your life in your. view oh um again not having any children. not having any family around it would be. nice to have a retirement plan something. where I know I'm not going to work what. do the kids and family well because I. have nobody nobody for support nobody to. look after me have parents well we know.

you don't talk to your dad what about. your mom yeah yeah what do you talk to. your mom she's in she's yeah I talked to. her yeah where is she in Arizona she. just retired and she went to Arizona. good for her yeah okay do you want to go. near her no do you want to convince her. to come near you no why okay so you. don't want to worm and I don't want to I. know I'm in this alone I'm on my own I. need toix you have a boyfriend of 6.

years and you guys might get married. except you hate marriage but so you. might not but either way you guys are. together do you think he's going to be. your life. partner oh my gosh I don't know oh you. are a child oh my oh my what am I. dealing with oh where did that's a tough. question where did we find you on. the what I don't think about these. things so I don't have I don't have an. answer for that what cauldron did we. pull you out of I I don't know I.

don't okay so we to be clear we don't. have an answer other than you just want. to be able to retire yeah I don't want. to rely on him I don't want to get. married to him for money and then say to. hope that things work out I I would like. to own my own property one day at this. rate there's no way in hell I'll ever be. able to buy a house. yes at when you spend three times your. income on clothes no so I want to get my.

act together okay so how I to how is a. go yeah yeah some land some. animals doesn't that sound like fun you. going to sacrifice them. no okay on here BJ's Restaurant BJ's. Restaurant Hilton oh yeah yep yep yep. yep yep H event merchandise Dog House. great no that is not animals that is hot. dogss and BRS jeans Peach Shack Hilton.

Hotels and eBay are you getting on eBay. more free people oh. my same with Posh are you hot yeah we. can turn down the AC you want us to turn. the AC yeah love it I don't want you to. comust thank you I don't know what kind. of Spawn would come from that Taco Deli. Gracie Farms Velvet Taco BJ's Restaurant. more eBay eBay eBay those three ebays. were also yes did you get their entire.

like fall line yeah that's crazy dude I. know it better than the employees. uhhuh I also get I should work there no. no no I legitimately get hyper fixated. on things when I uh or maybe I shouldn't. is my favorite it's it's everyone's. favorite thing when I say I have a Tesla. uh but when I went to go get my Tesla I. was hyper fixated for like 3 months. leading up to it um it sounds like you. did your research yes but that doesn't. but I ended up making an educated choice.

in the end and being smart and doing. something I could afford no education no. I'm just saying you can be hyperfixated. without being a dumb at the same time. you still made the choices and actions. in your. hyperfixation. yeah so 29% great all right Freedom Card. just open. that freedom and I'm I'm glad you have. Freedom cuz back you know back in the. day we would drown people like.

you. $487. 196. $7.90 okay oh again we're doing it again. oh it's interest free not that I not. that I think that even matters for you. because I'm sure you're going to hold a. balance until the interest is. up when no no that is not the plan I. have to I'm sure it's not the plan plan. what plan do you have look at the other. cards you've maxed them all out let me.

see let me see let me see oh good this. one's maxed out great it's right there. by like a 100. bucks 1, just opened that like I. literally just opened that and then I. maxed it out and then I spent $188 on It. come on talking about $7.90 of purchases. are you kidding. me free people Free People torches Free. People Free People Joann there's. supposed to give you more what are you. getting fabric for to eventually make.

clothing I made that joke it's not even. a joke. no I see Fabric and I want it and I. think I'm going to do something with it. but it has now become a pile of. fabric that has no use you're not. getting the fabric to make a voodoo doll. okay Shake Shack going in the gas. station getting some [ __ ] yeah. timeless moments what what are you going. know is that oh Nostalgia so um I bought.

a clock that my mom used to have um is. that even her clock no you know that Kit. Kat clock with the tail that Wags and. the eyes that go oh my gosh so I saw it. I had always it's not even the one she. owned though. no that's another that's another ANS M. Jo ANS we're Gathering all that fabric. you better believe it we're going to. roll around in It Free People. Poshmark Free People Poshmark again when.

is the interest free period ends oh I. don't. know are you kidding me you just told me. it's your plan to paid off before the. interest period ends how could you have. that plan if you don't know when the. interest period. ends I'd have to get back to you on that. and look it up that's not how this work. oh you you are you piss you you're. pissing me off you're starting to. actually piss me off this isn't this. isn't funny this is not funny this is. not a little comedic h I want. to I pissed myself off not enough not.

enough you clearly don't give. a you I'm sure there's a desire in there. a desire in there to make this better. okay but not even close to a strong. enough desire more than your desire to. go and get. fabric the money you spent on. Joan's let's find out I'm sure that's in. here. somewhere that's in this mess of sanity. in here somewhere see Joanne how much. Joanne how much were you Joanne Joanne.

let's. see not not a lot get a stop no not. Joanne sorry on on the on peoples oh a. lot I bet I'm disgusted with myself also. it expires in like June 2025 okay I got. time kind of not when you spend the. money you spend Free People. $5. 5,869 $.

5,869 are you kidding me listen I'm. opening up I'm opening up Mumu I'm. opening up Mumu it's my investing it's. my brokerage where I buy into like the. S&P 500 okay first of all if you. literally just had put. 5,000 how much was it what was it again. what the was it possibly Li $. 5,869 five well I don't need my phone. for that. I was going to actually do it in the app.

but I'm not buying $ 5,869 of well okay. actually if you didn't even buy that I. think they're their interest rate on. your money for like three months is. 8.25% as a promotional thing soell 5,000. and then you'd get. for if this is difficult for you it's. not you think I feel it's not it's not. my difficulty is trying to figure you. out man oh well I haven't been been able. to do that in 42 years so that's great.

that's hilarious that's so good our life. sucks we're never going to go get help. it's great guys pity me $161 a month a. month you would have gotten just letting. us sit in the high or you could have sat. there and you could have got. $580 a year in like the S&P 500 just see. it's stuff like that that would make me. turn this around because I I'm not aware. of you know money you're not aware of. money you're 42 you have access you have.

access to I I I can't accept that excuse. anymore I really can't unless you're. under the age of 25 I really can't. because you have had decades well. actually it hasn't been around that long. a decade access to YouTube to learn. things you've had newspapers you've had. libraries you've had the internet you've. had Google you've had the ability to. search hey guys is there anything I. should be doing about money you've had. that ability you wouldn't have had to. know what to do with money you had the. ability to seek it out and you chose not.

to from 18 to 42 you said I'm a child my. life sucks and I'm not ever going to try. to benefit it in any way cuz I'm a. perfect little victim stunted yep what. does that mean still a child like I. don't I don't want to grow up I'm a Toys. R Us kid I legitimately do not want to. talk to her anymore do I have to talk to. her this. is I want to get someone else to sit in.

for me um no you're doing it you're. you're helping. I very helpful please give me a second. dude I have not been as irritated with. someone as you in a hot I didn't expect. this you were so pleasant before we. started filming for sake. you just get into this you are just an. absolute child you're a child you're an.

actual kid you're an actual child. there's nothing I can do about that. there's nothing I can do about your. maturity level I'm willing to change. give me a moment I'm just trying to. exist me too oh my gosh I'm just I'm. contemplating the benefits and. consequences of ending this episode. early it would upset my. team and I would regret it go and we. have to record a post show anyway no. matter matter what I'm in this thing. though we've proven we can do it without. the guest being here when I kick that.

one guy out so but whatever what is this. car what is this car Subaru you have it. Subaru yeah oddly 36 months which is. great for this show terms of a term it's. going to be paid off in two years so. you've had it for a year it's a. lease so I thought my credit was better. than it was I had all my credit card. debt paid off when I went to get this. car um then they ran my credit lo and. behold the interest rate is not that.

good so I dialed it back that is baked. into the lease by the way yeah I got the. base model though like I I was trying to. not spend budget yes okay but I have a. reason for that are you creating videos. as a full-time Creator It's a Grind. between scripting editing and oh all. those endless little tweaks and. sometimes it feels like taquitos would. be honestly a better career choice but. that's where today's sponsor invid AI. comes in with over 10 million users. across 150 countries nid AI is the.

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you I was looking at us models and the. car market at that point in time a year. ago it was okay it wasn't 2021 oh they. were trying to sell me if you went to. one lot yeah. sure did you not go to more than one lot. no I totaled my car and then the next. day I went and got a new car. yeah you had a boyfriend mhm you had. access to Uber for a little bit Yeah.

okay well here we are we have it we were. dumb does let's learn our lesson for two. years from now please cuz it doesn't. really make sense to buy it out no the. goal was to fix my credit um what's your. credit score you have three max out. cards I don't know what the it was 666. or. 669 when I went to go lease the car and. now it is has dropped down to. 602. 602 602 I yeah my I heard you what you.

you summoning be juice or something. saying it three times that's. embarrassing I know I know you try to. summon things in front of mirrors I know. but this is you do not have to repeat. three times here okay well you're in it. you're in it what are you going to do at. the end of the lease the goal was to. trade up to a nicer model but I don't. think that's going to happen um I do not. want why you think that's not going to. happen huh huh why because it seems.

like I can't be helped even though I'm. like asking for help I'm trying to. figure out no why do you think that can. happen why do you think that's not going. to happen is what you said why why. explain it I want to hear it because I. don't want to live above my means. anymore thank you thank you for sake. thank you ding ding ding ding ding ding. you you did it that is the actual right. answer I thought you were going to say. because because. you my my credit score it's not going to. work oh it's cuz you don't want to live.

beyond your means are you going to think. that in 2 years from now are you going. to get a fire L under your butt for two. months I don't need a nicer car this car. is nice it's new it's reliable well hold. on wait are you saying you're going to. buy this out no I don't know what to do. I don't know what to do cuz I had a plan. what's your what's your uh buy at the. end of term. number they will tell me that at the end. of term they will tell you it now oh. they will they'll tell you it at the. beginning of the term they said it'll. probably increase in value and then I'll.

get i'll get money back yeah yeah if you. like trade it in or something sure and. that's increase in valuee these people. they're so. salesman I. know maybe I need my stress thing. okay what you don't know what it is do. we know what it is guys do we have it do. we do we know what her uh do we have her.

buyout cuz we can calculate it if we. know her buyou uh. no your statement didn't have anything. on. it I think it was the total was 20. 26,000 at the beginning yeah yeah how. confident are you in this pretty. confident okay I think I shot for a car. that was around 23 and then with all the. things. that come with leasing or buying a car. it around.

26,000 okay uh that would bring it to a. value of 9,519 now check oh and I put in. 3,000 does that matter I had cash yes it. does it does um I saved so so so so so. so so. so you put it in 3,000 mhm uh and it was. 26,000 mhm yeah okay so. 23,000 well the buyout at the end if.

this is. correct was that the car or was that the. total payment though because my fear is. that they baked in a bunch of fees and a. bunch of top of it do you know yeah was. that the purchase price of the car extra. insurance monthly and it came out to 26. or was 26 the purchase price of the car. no I think 26 was the purchase price of. the car good then I have no way to. calculate this. okay listen if it's around $10,000 or. under $10,000 and the value holds by. then sure get a get a cash car we can.

get you to the point of getting a cash. car or if you have to get a loan on it. hopefully hopefully not but we can get a. smaller loan and put as much cash. towards as we can if it is more than. 10,000 we're not getting it we're. getting a $10,000 car if it is $10,000. or less but the value is dramatically. less than the purchase price then we're. not getting it and we're getting a. $10,000 car that's worth $10,000 okay. that's what we'll do but that's what. we'll do okay you didn't know what to do. that's what we're doing okay yeah okay I. think that sounds rational okay and.

you'll do that out at the end of your. term in two years checking account $842. in here oh my gosh is this all spending. Aviator Pizza Chick-fil-A. Joanne break a r tap oh this is kind of. hard to read something burrito Iron Man. Hot. Springs it's just food or Free People. food or free people that's it okay okay. went in gas station got like an energy. drink yeah. candy hold Jerome Cafe what kind of name.

is that and Cabo Bobs and big fans of. that around the office I am stop don't. get don't don't you're going to hyper. fix it stop pooo Chick-fil-A combo bombs. Chick-fil-A cver nice. Taco okay don't please cuz then I'm. going to get hyper fixated Cobble Bobs. mighty fine sinic pull poo Cambo. poooo yes I know what poo means combo.

Bobs and then ven out 200 ven out 20 ven. out 25 ven out 40 ven out 20 ven out 450. ven out 220 ven out zelan out 80 where. are the venos going um the venmo I. really only use venmo for rent so how. many rent payments do you have um twice. a month. $450 uh yeah and all the extra ones um. the 200 was to pay the dog sitter for.

the vacation yeah that I couldn't afford. um why couldn't boyfriend making six. figures do that he's trying to save. money too he's trying to be responsible. lady you have three max out credit cards. and a car you can afford pay for. everything for me I'm not saying he. should but you the simple fact is you. cannot afford it if he's not going to. pay for things and you can't afford it. you don't do it yeah yeah he's starting. to to realize he probably should try and. hold me a little more accountable okay.

then went out 450 but this all happened. real fast and and what about the other. 20 25 40 20 80 50 where'd that all go H. I went. to again trying to be happy um make. myself happy I went to like a record. convention and I'm I started my record. collection which I do not have the right. to start buying records but um V though. you the.

vendor that's it that's it that's it. that's it that's. it that's all of it except student loans. oh good have just. now become a problem again how much. Federal yeah maybe I don't know who's. your payment servicer uh like who did I. get the loan from who do you log into. what.com yes how much is student.

loans that's um a good. question it's probably I know it's at. least 20,000 what's your payment oh I I. have I just signed up for the Fresh. Start. program fingers crossed fingers crossed. it's a low payment so that I can work on. this stuff yeah that would be the only. reason I'd want you to other than that I. you make okay money it's not even like. you need anything you don't even need. help and what usually those payment.

programs do is going to allow the. interest to just crew like crazy because. you're not putting anything towards it. but are you like the Fresh Start program. is pretty nifty if it holds um yes. everything's being challenged in court. yeah so we'll see but that's I'm holding. out hope that it's 10 years of repayment. on a repayment plan or um I think it's. $50,000 so whichever. first well then forgive the rest no well. it's more it's definitely more than that.

I that's just what I saw recently um it. could be closer to 80 it's all. convoluted and ridiculous and it's it's. overwhelming oh I was just trying to. type something in and I believe I heard. 880,000 yeah the are you what are you. talking about you said 20 how 20 you. have no respect for money do you not. understand the difference between 20 and. $80,000 yeah how did you tell me 20 and. then you're like it could be closer to. because I saw on my credit report but I.

don't think that that's. everything cuz it's like a bunch of. private loans too I'm pretty sure with. with Sally May. good I don't. know yeah that's how that's what's. happening inside shut it just please. allow me to needo for a moment okay I. might need one of those stop I don't. want to hear your voice oh.

stop okay so to be clear 20,000 in. federal that you're getting on a. repayment plan for right right right. right yeah and. you're and you're telling me. ready ready to start paying it no you're. not you you're going on like a zero. payment uh let's see I'm trying to. understand fresh start fresh start um. bars defaulted loans well you're not. typically wait they were in default yeah. oh baby were they in default I was I.

having wages garnished for a few. years so they're just it's just moved to. normal it's is this is the mooh hill oh. so you're just trying to get it into. regular things and it would be like $250. a month and then it will it's too much. money well you can and and then you can. from there you once in good standing. which is what you're trying to get to. Barrows qualify for income Dam repayment. plans a lot of those are on hold I don't. know if they'll even get people I don't. know if they're even accepting people.

into those right now cuz they're all. being challenged by the court they're. all ferment isn't that sad uh I don't. know maybe it's up legally I need I need. a direction I need to know what I'm. doing cuz whatever I'm doing is not. you're telling me there are $660,000 in. private student. loans maybe. 45 math is not mathing don't don't think. you understand what a number is I don't. know it's changed so much over the years.

yeah because you've probably not paid. anything under private student loans and. they're probably at like 10% interest. and they're probably just. gr plus penalties yeah they're like. higher than that interest yes you're. talking about getting a house or. something that's not going to happen not. if you're not paying on your student. loans your debt income is going to be. absolutely insane you're not going to do. anything so they're probably about. $60,000 now because it was $45,000 and. then you didn't pay anything think cost. like. 120,000 for what for what for a degree. in fashion design how ridiculous is that.

oh where private Institute probably out. of state maybe what where what. International Academy of Design and. technology in. Chicago I initially was going to go to. the Art Institute but couldn't afford. that so I downgraded could afford this. what the you talking about yeah uh the. payment there was probably something. like 600 bucks a month n like 550 but it. doesn't matter doesn't matter cuz you. have have you ever paid one when's the. last time you paid on your private. student loans I I don't know do you have.

credit Karm on your phone yeah probably. pull it. up it's an app right yes. okay we're we're able to bring in the. boyfriend for the Post show he's here in. the Green Room yeah he needs to know oh. [ __ ] he needs to know he doesn't. know I mean we don't have conjoin. finances so what does he know he sees. the packages oh good this is going to be.

interesting oh this is going to be a. post. over um so I had Credit Karma I can't. get into the account it's saying that my. email is not valid type in a different. email that it might be yeah it's not. letting me in okay I think the more. beneficial thing is almost is bringing. the boyfriend so he can just have. conversations with you about this cuz I. don't even have all the information. without all the information I am I. supposed to do this we didn't know it's. not their fault they only give me what.

you provide and what we provide is we. tell you to send everything how the. would we know what if I log into no. that's just the federal do you have a. credit tracking something um yeah what. credit wise through Capital One sure let. me look oh. guys guys she has three things in. collections. are you kidding me what is.

it this is like old debt credit card Deb. this has to be a prank this has to be. a. prank one from some Bank it was probably. a credit card it's been on there for six. years is it six years yes another one. from commenity yeah old hyper fixations. we actually relatively close to falling. off if you've been dealing hyper. fixations from then a is not going to do. you need to see therapist I think I'm. done I think I'm done I think I'm done I.

think I'm done am I allowed to be. done am I given the ability to be done. Lindsay can I be done no mother you're. saying I can't be helped I think I even. think I can be help no no no no no no no. no no no no no no no no it's not about. you can't being helped it's just that I. don't have all your information I can't. make a budget here but what really is. going to help you is you need to sit. down with a therapist and get coping. mechanisms for your hyperfixation and we. need to talk to this so that he. understands what is going on in your. life so that he can support youing.

making it a budget right now is not. going to help anything because it. doesn't matter cuz you're not going to. be able to follow you don't stop stop. stop because you don't know how to stop. hyper fixating so it doesn't make sense. and also I can't make you a bunch of. without knowing what your minimum. monthly payments. are so I don't. know I don't know well we're in the same. boat no we're not what do you mean we're. in the same boat what are you talking. about not knowing yeah your life but. congratulations you have to walk out of. here and your life is still your.

life I probably need a financial advisor. before maybe I can get you connected. with our people at domain money they're. great financial advisers I work with. them personally for my own money they're. great I love them we can do it but I. don't know cuz again they can't help you. if you are unable to literally log into. an account to provide a statement.

oh my gosh oh. my I'm gonna I this. is I'm going to lose it I'm going to. lose it they are telling me that you. haven't even filed last year's taxes and. it's the end of this year yeah what the. is wrong with you I've never asked that. on the show I don't think what the is.

wrong with you being a child how taking. responsibility you're W2 it is Plug and. Play it's the easiest thing to do you. with my Illinois taxes so um I I was. working towards straightening that stuff. out when did you move here um two years. ago then it wouldn't be a factor in your. 2023 taxes I am getting build. for old Illinois taxes I don't give a. federal file your federal 2023 taxes and.

deal with your Illinois stuff I don't. understand why you couldn't deal with. last year's taxes you may have gotten a. return yeah. probably I was scared to find out what's. going to happen so just take make it a. bigger problem no you just don't know. how to do anything you need to be. coddled or something you need to see. this therapist that is the first step. and we need to talk to this guy and he. needs to understand what is going on in.

your life so he can support you can't. make a budget because it's not going to. be a realistic budget and the audience. hates when I don't make a budget guess. what I hate when I don't make a budget. too but I literally cannot and that is. not the fault of any casting that is not. the fa of any producers we ask you to. send everything you are not able to we. wouldn't know it's impossible so listen. I this is what is going to happen right. now this is what is going to happen. right now I am going to stand up I'm. gonna walk into the other room I'm gonna. have a snack I am going to have a pee.

I'm gonna have a drink of water I'm G to. calm down for five minutes as we get set. up for the Post show but I am done cuz I. cannot take any more of this. conversation this is crazy I'm done your. Hammer Financial score is obviously zero. you haven't filed taxes this what what a. I don't get a pie chart here's your pie. chart okay your pie chart is you spent. three times the amount of money you. bring in are you kidding me guys this is. insane this is no no I thought if you.

want to fix your life actually go. through the education like she needed to. 20 years ago check out all three of our. programs bundled together 25% off that's. it I'll will see you in the post show. I'm going to take a moment and relax cuz. I I can't I need a moment I just need. moment boyfriend this is what we'll call. you how old do you I am you cougar you. feel get hard did you know she hasn't. paid taxes this is the first time I'm. hearing does she need to pay 900 in run. it's what we agreed on I know it's what.

you agreed on but you guys are also and. dating I don't know if I'd feel. comfortable how much guy it's half. hering income she doesn't pay any of the. utilities so I cover a lot of that stuff. yeah you make $125,000 a year I would. needed to calculate it out is this a. business opportunity I'm so confused to. watch the financial audit post show. click the join button below all right. guys I get it you need more financial. audit so we've decided now in our. membership below you get two exclusive. seen nowhere else uncensored Financial.

audits every month again 384 came in. from your job how much do you think you. spent how much did I make 384 you don't. think you ever spent oh I probably I. guess I did yeah seven maybe I don't. know also three post shows a week for. every Financial audit you're seeing. right here on YouTube in the post show. we have an extra 20 minutes for every. single episode where we go into more. drama we can't find you on Facebook did. you block me on Facebook no no way you. can join Hammer Pro where you get every. Financial audit post show for every.

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though 2 weeks 2 weeks thanksgiving's. after that a couple weeks after her. birthday then Christmas is only a couple. weeks then New Year's and then MLK. Day wonderful human guys she's just not. wonderful wonderful human I do love her. she is a wonderful person I like like. her no she like she's a great person. here's the thing great person it's just. she. we know she's a good. person wonderful wonderful human but.

she's just so into me and she always. wants to no wait a minute wait a minute. random but frequent private streams with. me throughout every week monthly member. Raffles for exclusive merch and two. exclusive uncensored adree Financial. audits every month and then for those. who only go top level there's Hammer VIP. which comes with everything from Hammer. Elite and Hammer Pro Plus a thank you in. the in comment of every public Financial. audit episode be an exclusive beta. tester on our newest products we're.

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