Girl Math Final Boss | Financial Audit

How's your business going this year? >> I want to say roughly. >> You spent $4,000 getting this up and. running. >> I spent more than that. >> How much did you spend then? How much? >> Probably. >> Oh, you're you're you're you're dead. >> But you have to spend money to make. money in a business standpoint. I call. it girl math. I don't know. >> There's noing way. You kidding me? That's an entire year's. >> Okay, then don't ask. Bundle all of my educational programs. I've ever made, plus the premium version. of my budgeting app for not only 80%.

off, but also with a free trial today at. dollarwise.com. Join the tens of thousands of people. who've changed their lives enjoying. DollarWise Central right now for free. >> Hi, my name is McKenzie. I'm 26 years. old from Melbourne, Florida, and this is. Financial Audit. >> Thanks for coming over from Florida. What do you do for a living there? >> Um, so I actually work a couple jobs. I. work about four or five jobs. Um my. >> what like five hours a week at each or. >> I wish uh no I actually I work multiple. jobs multiple days a week. Um so my main.

job is I work as a nail tech. Um but. then I also work a part-time job at a. burrito restaurant. Um I also Door Dash. I also petsit and then I donate plasma. on the side. >> Okay. So it's mostly all hustle except. for the the burrito place kind of. >> The other ones are kind of the self. hustle. When you're a nail tech, it's. still building your own clientele, right? Yes. >> For you. Okay. So, I mean, working those. jobs, I mean, they're mostly just. self-hustle, >> which I thought we were going to say,

okay, I'm working at McDonald's. I'm a. receptionist. I a nurse, and I do like. all these extra jobs. >> Mhm. >> You know, I leave Chipotle to go to. Wendy's for my next shift. >> No, >> but these are just side hustle jobs. These are entrepreneurial. >> I mean, I still look at it as I mean, it. being. >> they are separate. They are separate. jobs. It's not what it's set up to be. career choice, but I guess yeah, currently. >> Well, how's that career working? >> Um, well, I'm still pretty new into it. So, >> how new has it been? If you're 26, how. long have you been doing it? >> I'm in my second year, but I am in my.

first year of being in business on my. own. >> Okay. Why one year of not being in your. business of your own, did you. immediately go into the business of your. own? >> So, I straight out of school, I started. off in two salons. Um, I was in the one. of the salons for a couple months. It. didn't really work out very well. And. then I. >> didn't work out very well. Why? just. didn't mesh very well with the owner. >> Go on. >> So, she she was actually one of my. teachers in school. >> Um offered, you know, we had talked. about it, offered me a place in the. salon and took it and I honestly I.

really don't know it just come. >> No, I really don't. Out of nowhere, the. one day we my roommate and I actually. worked there together. Um and. >> I'm not joking. I was at a I think it. was like a Memorial Day party or. whichever one is in like later in the. year. I don't remember, but Labor Day. >> go on. >> Um, but we literally got a text message. saying that she was not renewing our. contracts for the month. And. >> there we go. Okay. So, it wasn't you. weren't meshing well. It's maybe you.

were not a good employee or she had to. scale back her business. So, she was. going in a different direction. So, come. on. I mean, that's an immediate me. immediate mislead of the conversation. >> She still was an educator at the school. and I did. My sister went to that. school. the thing she. >> my teacher from high school has to hire. me high school. >> No, I am saying my okay my teacher from. college has to hire me to go work at. that college. Like what the you're. talking about? >> Well, no, but my sister still went there. and so she was kind of running her mouth. about how we were not like she didn't. like us like working there. Things were.

saying things were happening between. >> us. >> I'm sorry to hear that, but no one is. entitled to keep their job if their boss. does not like them. >> Sorry. >> Yeah, >> her business. Yeah, but I mean when. you're bringing in business, I think it. is a little. >> Okay, clearly it wasn't enough though. and she was able to do better with. someone else or else. >> if I'm able to sustain her business. while she's working another job then. >> it wouldn't be that the money would win. Clearly you were not doing enough. Listen and if you were your business. would be successful and you're working. three other jobs. So I would assume it's. not. So tell me what's going on with.

this one year of nail tech. >> Um so I was in the other salon that I. started at out straight out of school. I. was in the second salon also and was. there for about a year. Um, it was great. at first and then things just kind of. started not aligning very well. Things. everybody was kind of going in their own. different directions. Things just kind. of started taking a turn for the worse. in the salon and so I was kind of. already looking at other options. >> Why does it seem to be everything except. for you by the way? Why is it always.

things are going wrong somewhere else? >> Well, like immediately picking up on. this. Why is it those who are like a. victim and everything in life and. nothing else is their fault are the ones. who usually end up in the worst. position, i.e. the people that come on. the show. Oh, it's almost like it's a. it's like something's going on. It's. like that mindset gets you nowhere. Hm. Who would have thought? I don't know. I. have glitter. >> I'm trying my hardest. I do have glitter. in my hair. >> Um, no. I'm I mean, >> so, how's your business going this year? Your first year in business on your own.

Tell me. Um, so it's only been a couple. months. Um, >> you told me it was a year of. >> Well, this this is I'm in my first year. of being in. >> Okay. So, what's happened these last two. months then, lady? >> Um, I'm doing okay. >> What's Okay, >> I mean, my books are not full. >> Can you tell me how much you made last. month? >> Last month? >> Just your own nail tech business. >> What are you even doing it out of a. shared place? >> I I do have a sweetmate. We rent a.

business suite together that we operate. out of. >> Right. >> So, um. >> So, what did you make last month? >> I want to say roughly 500. It It varies. monthto month. So, it's it's. >> 500 varies monthto month. It's been two. months. >> Yeah. I mean, it's varied monthto. monthth since I started. It just is dependent on business. >> $500. >> Yeah. >> Okay. So, in terms of your four jobs, I'm hardly considering that one of them. >> Okay. >> It's a hobby.

That brought in a little extra. >> How many? How many are here? >> There's a million nail texts. I'm sorry. This is going to be an incredibly. competitive field. I'm not saying you. can't make it, but come on. $500. $500 a. month. You weren't able to pull any of. your clients from your previous. locations, your previous jobs. >> Only $500 worth. So clearly none. >> Yeah, but I mean people don't get their. nails done every day. I mean, I had you. they typically build up a bigger. clientele 3 to four weeks. And you. clearly didn't. I'm trying.

>> I'm trying. Interesting. It's an. interesting philosophy. >> I I mean, what what else am I supposed. to do? You want me to go drag you? >> Work for someone else and build up a. larger clientele for over a course of a. few years. >> Offer a decent like commission pay. >> Yeah. You make $500? >> Yeah, but that's better than me going in. and making a 30% commission. >> 30% commission with more clients. >> But it's not guaranteed because even. some of the girls, >> how much a month are you making on. average in the previous position? You. were bringing in a lot of clients. You. were just jerking yourself off. You're. incredible for that business. >> Um, >> I was the queen. I did all the nails. I.

brought in all the ladies. I supported. her business myself. >> Um, again, it just kind of varied on. depending on who needed. >> Go on. >> $6 to $800 a month. >> Okay. So, no, you weren't actually a. very good employee. I'll be honest. Okay. So, it sounds like No, this is not. working. You have to build this up over. longer and now you're renting a suite. How? Okay. That $500 you brought in. Go. ahead then. What's your rent? >> Um, so the way that me and my sweetmate.

have it worked out. >> Yeah. Go ahead. What's your rent? >> The full rent is 542 or 742 a month. Sorry. Split between the two of us and. then she just takes a. >> You brought in five. >> commissionable. Well, that's after she. takes my commission to cover my part of. the rent. >> She takes your Why stretch it so weird. instead of just paying half the rent? Okay. >> I offered to do it that way. She this. was the way that she chose and said that. it would be easiest to do is she just. takes a. >> person but she might make more money out. of it somehow if it gets overly.

convoluted and you both don't understand. it. >> I think neither of us really have an. understanding of it but we're just kind. of winging it and hoping for the best. Colton's telling me right now. I mean, just the salon you had after the salon. that you got fired, you had it was you. were kind of mentioning that you had bad. vibes. >> quote from you in the conversations you. had. Bad vibes, so you just left. >> Yes and no. Um, >> yes and no. So, I mean, that's what. you've told the producers. So, yeah, let's go ahead backtrack now that we're. on camera. Let's do that.

>> So, yes, I left, but I wasn't originally. planning on leaving fully from them. I. had originally told them that I was. going to step down to one or two days a. week. >> So, what happened? >> Um, I just wasn't loving it. >> A bad vibe. >> My sweetmate. had made the decision on her own that. she was going to kind of step out and do. her own thing and offered me a place to. do that with her. So, I decided to take. a leap of faith when I probably. shouldn't have, but I did.

>> Well, you jumped and now you just hit. the rocks at the bottom. >> Yeah. Um, but I let them know that, hey, you know, I'm going to be dropping down. to one or two days a week and, you know, just to try and keep supporting us. >> Why didn't you? >> Because um, couple hours later that day, they sent out a message saying that they. were actually just going to close the. salon. >> So, they gave us till April. >> That's weird. >> Yeah. So, >> okay. So, $500 a month. It says that. after equipment as well. >> Yes. >> I doubt it. Come on. Are you actually.

budgeting that? There's no way you would. be budgeting that properly. My stuff was. bought in bulk up front. So there's I. have minimal cost. >> Are you not aggregating it monthto month. or are you just are you running it net. monthto month? So you have the boom big. expense that covers the next few months. but you just counted against that month. or are you counting against the other. months as you use the supplies? >> No, it's just kind of a. >> How much did that cost? That big one. time cost. >> to start. >> Yes, cuz you're only two months in. So. you did this I'd guess uh two months. ago. How much was that one time cost?

>> Several thousand. Okay, I'm going to. die. That's wonderful. We have a really. good entrepreneurial spirit in this. country and I love it. I love. entrepreneurs. Let's go out there and. grind and do. But oh my goodness, so. many people do this in such a stupid ass. way. Listen, you didn't have a big. supply of clientele that are able to. come in and make up for those who don't. come weekly, monthly, daily, all that. stuff. Okay? You didn't build up enough. people. You only worked at a place for a. year and you honestly weren't doing very.

well there. for being honest. You were. fired. So great. And you immediately. decide, yeah, let me get on this legal. contract to split split a lease with. someone for how long, by the way? >> It's a one-year lease. >> Thank at least you have that. But even. still, one year you committed to it. >> I did. >> Better than most commercial. Usually. minimum three. But either way, and then. you're like, well, let me go ahead and. spend $2,000 that I certainly don't the. have that has to be in this debt. somewhere. No way it's not to go ahead. and get this up and running. Oh, good.

That takes four months to pay off at a. minimum, meaning we only get to see. money 8 months of the year. And that's I. mean, honestly, how long will these. supplies last? How many months at this. rate? >> Um, I mean, they will they'll last a. good while. I mean, cuz. >> a good while is an interesting time. frame. I would love to dial that into a. number. >> I mean, a year. >> Okay. So, 8 months is the realized. profit we're able to get from that. Now, I doubt you're setting any money aside. for taxes, of course. Great. So, let's talk about burritos.

then. First of all, I actually for $500, how many hours are you working for that. $500? >> Um, I have a standard of about eight. hours set open for my books for that. day, but I'm not always I don't always. >> No, no, no. Tell me how No, no, no. Tell. me how many hours you worked last month. in order to bring in that $500. Tell me. how how many hours you worked. So, it's. five days a week on average of about. eight hours is what my books are open. But I. >> don't have Tell me how many hours you. worked last month. Did you not. understand the question I literally just.

asked? I just had to repeat it. I'm. sorry. >> Um, >> how many hours in this previous month. did you work that brought in $500. >> total? Maybe 80. >> The [ __ ] is wrong with you? >> I don't know. That's a guess. >> Okay. I see you made 625 an hour. >> Mhm. >> Time to put the nails in the bag, girl. >> You're not. >> We're going and working a real job next.

Okay. We're going and working a real. job. >> So, let's talk about a real job. Burritos. >> Uhhuh. >> How many hours a week are you working. burritos? And what are you making with. burritos? >> Um, so I work an average of about 20. hours a week. Um, and then I make 15 an. hour plus tips. >> So to be clear, you make three times what you make. Yeah. Three times what you make in the. nails for hourly. And you work just as. many hours doing that. Cole, why has on.

your paycheck from burritos? >> Uh, two weeks paycheck. If I work the. full 20 hours, >> why the would you not be? >> If I'm if I'm out of town or if I have. other. >> Why would you be out of town? Who the. [ __ ] are you? You have debt. You make no. money. You're trying to build a business. and it's failing. All of my family is. out of town. >> That sucks. They should come in. You're. trying to be an entrepreneur. That. requires sacrifice. >> I do also try to to do like local events. and stuff like that. So, if I have stuff. like that on the weekends, >> what is a local event? >> Um, >> back scratching with new nails.

>> So, like, you know, we just did one. recently that was like a women's day. event um to try and. >> Women's Day event. >> Yeah. So, it was a bunch of local local. >> local women but local businesses as. well. So, we tried to do that to try and. get the business out there and get names. out there. Okay, that didn't work. >> Yeah, >> it's almost like that was a waste of. time. >> Yeah, >> it's almost like probably half the. businesses at the women's day event are. nail techs. >> Actually, it was the only one. >> Surprising.

>> And yet, it still didn't work. So, >> that's that's even bigger alarm bell. Okay, so yes, what hits if you work your. full 20 hours a week, which you better. the do? Uh, I think it's right around. 500. >> So, a,000 a month. >> Yeah. >> Oh, boy. Okay, then let's talk about. what was it? Door Dash. Uber Eats. One. of those. >> Yeah. >> Which one? >> Door Dash. >> Okay. Door Dash. Yes. How many hours are.

we doing with there? >> Sure. It's variable. So, give me. average. >> It is. Um, I'm actually just getting. back into it because I had a whole. debacle with my car situation. So, the. last several months I haven't been able. to do that, but I did recently start. doing that again. I try to do it. I try to go at least like 5 10 hours a. week usually just whenever I get off. working more hours up at burrito. >> cuz I don't want to take away from my. time at the salon. >> Well, you should cuz you make three.

times more money making burritos. >> Yeah. I I'm try I'm hustling as hard as. I can. I am I I guess I'm trying to grow. a little too hard, but I. >> hustle a little too hard. Okay, listen. A hustle with I'm good with a hustle. Hustle's good. You're achieving nothing. and going backwards. >> There are realistic conversations we. need to be able to have with ourselves. >> Mhm. >> I'm not saying don't do nail tech. I'm. saying maybe do it for someone else for. 5 years. Build up a list of clientele. that are obsessed with you. Then go off.

on your own. You rushed this. you got. fired from a job cuz you weren't very. good at it and you were probably a brat. to work with and everything's everyone. someone else's fault is um honestly kind. of how you open this conversation if. we're being completely honest and then. you left another job cuz I had bad. vibes. So yes, >> I don't want to work somewhere where I. don't feel comfortable or like like. don't feel comfortable not like not. feeling comfortable. >> Not like. >> now that's a it's not a pleasant. environment to like work in. >> What was unpleasant? >> I just didn't that were run.

>> Oh no. The boss the boss ran a business. the way they wanted to instead of the. way I wanted to. >> It just was. >> No, why aren't you doing exactly what I. am demanding? Oh, I'm a victim. >> No, no, it was just poorly run in my. opinion. >> Says the person who is a former. employee. >> I mean, everybody who worked there is a. former employee. >> True. Okay. And maybe it was poorly run. But either way, what I am saying is you. did not put in enough time to build. clientele before going off on your own. I am not against this. You did not put. in the work. You say you're a permanent.

grinder. Well, you did this in a very. dumb way. You should have been grinding. up. >> Okay, but when I Okay, and I get that. And I probably, you know, the the math. on it between either going out on my own. or. going into another $6 an hour. >> I call it girl math. I don't know. >> Uh math is not my strong suit. >> Isn't the argument usually make 80 cents. on the dollar? girl, compared to what you're making there, you're making 33 cents on the dollar.

>> compared to the burrito. >> Yeah, >> I prefer burritos. >> Right off, also. >> everything's a write off on what? You're. not making money to pay taxes anyway. The are you talking about write off? Shut the up. Right off. What are you. writing off? You don't even know what. you're writing off. What's a write off. to you? What's a write off? If you write. it down on paper, that's a. >> Anything that I spend that's pertainable. to the business. Anything you spend, I. guarantee you, you go ahead and you get. food and say this is pertainable to the.

business. If it's a lunch me, if it's a. business meeting over a meal. Yeah. >> Which Oh, boy. Listen, you're probably. not going to get audited. >> cuz you don't make. >> No. >> But you wouldn't hold up under scrutiny. I promise you that. Are you working with. the CPA? >> No. >> I do my taxes myself. >> IRS, I found another one. Ding, ding, ding. You know, you're in the comments. >> You shut your mouth. >> Okay. So, Door Dash, we're working an. average of I think you said 10 hours a. week. >> 5 10 hours a week. Just.

>> What's that bringing in on average a. month? >> I try to do it to a point where I bring. in at least $100 a week. So, I try to. bring in an extra $400 a month. >> Okay. Now, $400 a month before gas. >> Right off. >> But before gas, though. >> Yeah. >> Before maintenance. Okay. >> Just because it's a write-off doesn't. mean the expense didn't exist, though. >> Yeah. But you have to spend money to. make money from other people. >> What does that mean to you? >> You have to spend money to make money. >> What does that mean? >> You have to put forth an initial.

investment or something in order to see. a return on it. >> Uh, sure. I mean, yeah. I mean, you. could start a YouTube channel and that. initial investment could be a phone. camera. Yeah, that's fine. I'm not. saying you're not spending gas, but if. we're talking about the $400, you're. like, "Well, it's a write-off. The gas. is off." You still. >> gas on that? I'm already spending gas to. drive to all of my other jobs. >> Yeah, you're spending more on Door Dash. But either way, what I am saying is just. because it's a write-off doesn't mean. all of a sudden you keep that $400. >> just oh boom, okay, it doesn't ex No, you still spent money. That money does.

not exist anymore. So if we're. calculating what you spent versus what. you brought in from Door Dash, I'm going. to say maybe 300 a month. >> Yeah. I mean, I like I said, I usually. try to do minimum of $100. So if I know. that I have to get gas. >> a week. >> Well, okay. Yes, a week. My apologies. I'm gonna say 300. >> Yeah. But if I know to get gas, I will. >> What was your fourth job? >> Um, I also petsit. >> Right. How many hours a week are you. doing that? And why aren't we just. committing to one or two? >> Um, so. >> Okay. How many hours a week are we.

petsitting? >> It's variable. It's not something that's. super consistent to me. I I mean, I. maybe get one or two bookings a month, >> every other month or so. >> So, what can we even allocate to that. >> if you break it down? Maybe. $200 a month. >> Let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans. are crushing you, Y refi might be. exactly what you need. They don't rely.

on your credit score alone. They look. for borrowers who have the desire and. the ability to repay. That is a gamecher. in a market where most lenders only see. a number. Interest rates under 6%. guaranteed. That's practically a unicorn. in student lending. Plus, they offer. structured payment plans to lower your. monthly bill and even a co-senter. release program so your mom and dad can. step off the hook. Why? Refi is known. for their personal service. No faceless.

call centers. You get a dedicated rep. who actually cares about your progress. They've got a 4.6 star rating on Google, which tells you people genuinely like. working with them. So, if your private. student loans are burying you, it is. time to reach out. Yi wants to help you. climb out of debt, not push you further. into it. Check them out at. yrefi.com/hammer. That is yfy.com/hammer. Or call89733978.

That is89733978. Break free from the highinterest trap. and get your finances under control once. and for all. Okay. All of which except. for burritos are contracted. And I. guarantee you're not setting anything. aside for taxes. Not that you would. honestly have to pay much in general, but yes, there are things that. contractors have to pay for. Self-employment taxes, got to take care. of your own social security, all that. good stuff that comes out of the gate. >> I mean, I'm trying to get more like. petsitting clients, but a lot of you.

said every other month. A lot of the. ones that I had died. >> That's what happens to animals, sadly. >> So, I I mean, I can't I I I can't just. They're not going to pay me to go sit. with their ashes. >> No, but other people get pets. >> No, I know. I mean, I'm on Rover and I. do get word of mouth clients from people. who I already do pets. >> Every other month, you said. >> Yeah. It's not super lucrative, but it's. money. >> So, even total before we set anything. aside is $2,000 a month is what you. literally make.

>> You are not existing on $2,000 a month. That is impossible. >> I also donate plasma. >> Okay. Well, okay. Are you going to. consider that one a job, too? What are. you making a month on that? >> Um, so it's 120 a week. So, depending on. how the weeks in the month land, it's. anywhere between 480 and 600. >> Let's call it 4. Well, let's call it 550. >> Okay. >> Okay. So, 25,550.

Still, believe it or not, not enough. money to really survive. >> Correct. >> That is $30,000 a year. Mhm. >> Yeah. Something's not working here and. you're completely. >> Well, it's not me because I'm very. clearly working. >> Hustling. Sorry. >> H. >> you just you just said all I do is side. hustles. I don't have an actual job. >> If you were committing to one, dude, you. could make any of these an actual job. Obviously, the nail. >> I could I could commit to more hours at.

the burrito place, but I also don't. that's not My passion in life is not. rolling burritos. My passion in life is. you being able to pay your bills. >> I mean, yeah, I would love to be I mean, I do pay my bills. My bills are paid. >> I pay my bills. My bills are paid. You. spent $10,05 last month. >> Majority of it is probably write- offs. >> Are you broken? What the are you talking. about? I don't understand what you think. is going on in this world. >> Money comes and goes, and I'm trying to. make it. >> Money comes and goes, but it only goes. for you. >> Do it. Okay. Dra, >> what? You spent four times what you.

brought in. You spent four times what you brought. in. What do you expect to happen with. that? Where does that lead? >> I don't know. >> So, why the are you doing it? Listen, if. you're making a small amount of money, you got to budget it more than anyone. $30,000 is hardly enough to live on. That's very uh that's very low for a. high cost of living area. So, what the. how can you stretch that if you don't. know where your damn money is going? I. guarantee you did not know you spent.

$10,000. Uh-huh. So, how the do you not. know? >> I. >> Why are you not budgeting? >> Thought I I'm trying. I just don't I. don't know. >> I don't know how. >> I don't know how. Everything that I've. tried as far as how people have told me. to budget. >> What have you tried? >> Well, at this point, I'm just trying to. work my life away and consume all of the. hours of the day with that because I'm. not spending money. >> Tell me what you've tried budgeting. I've tried, you know, I've tried doing. setting money aside, but I don't have a.

whole lot of money to set aside because. my bills have become so consuming of. everything that I make that it's just it. takes over everything. I don't really. like I this one I don't really know how. to do a budget plan because everything I. make goes to pay bills or for a. business. >> You don't know where money goes. So, how. can you even say that if you don't. budget to figure out where money goes? How the can you even possibly say that? I mean, I've tried I tried pocket money. for a little bit and that it just was so. confusing to me. >> What's marketing around your nail tech? >> Social media. >> I know that you literally have no social.

media presence. >> Uh, yeah, it's very small, but I'm I'm working on it. It's a new. business. >> What the [ __ ] is happening? Like, uh, social media, that's my game. Has no. social media presence. >> I can't pay for advertising. I can't. afford that. So, I I'm trying. anything. The only thing you actually can afford, unfortunately, is going and getting a. real job. >> What's your education? What's your. background? What do you have? What can. we do? >> Um, so I am dual licensed in Florida. So, I'm licensed as I can do nails and.

I'm licensed as an esthetician also. >> Oh, great. Okay. So, two things that. make no money. Okay. Wonderful. Great. That's fantastic. Me. Okay. So, no. college, right? >> Not a completed degree. No. >> How long did you go? >> Several years. >> For what? general education. Um, I. switched on and off. I'm I mean, >> so the credit hour still exists. So, you. could go to community college, hopefully. get an associates degree, try to get on. some kinds money, but listen, student. loans might be worth it if it. dramatically increases your income. You.

make the bottom half of the income. ladder substantially. Like, you are not. in a good place. Yeah. >> Is this a dual household income or is. this just you? >> Uh, it's just me. >> Okay. Then you're there's I mean there's. no other way. This is not a livable. situation in Melbourne. And yet you are. working yourself to the bone. in a completely insufficient fashion. though. You're not going to be able to. survive. >> Yeah. >> You're not going to be able to do this. long term. How many how much longer can. you put this many hours a week into this. work to make nothing? Not much. >> You know, it's pretty miserable.

>> And you're stuck into this lease for. aing year contractually, right? You. signed it down. >> Yes. >> I bet you damn did. >> So, tell me what the your plan was going. to be. Please tell me what your plan. was. I want to assess it. >> Wing it. >> Okay. No, no, no. I mean, no, that's. that's literally I mean, it's I'm flying. by the seat of my pants. I don't I I. don't have an actual plan. I I I. >> I have no clue what I'm doing. And. obviously that's very clear, but I am. I'm trying. >> You're just every day you just wander.

You never think you never think what you. want to do. You have no plan whatsoever. You listen, a lot of people on this. show, yes, they're doing it wrong, but. they at least have an idea of a plan, a. concept of a plan. Some would say, >> I mean, I know where I want to be. I. would love like I have an idea of like. the crowd and the clientele of people. that I would love to get in with. >> Honestly, I would really like to work. with drag queens, making nails for them. And then I really am trying to get into. the younger crowd for nails because a.

lot of what I do I a lot of the people I. >> service that's the people that don't. have as much money. The people that are. old don't have the money. >> Not a lot of people. And that was that. was a big thing. >> How many drag queens are there? >> Oh, more than you think. >> Probably. bought enough to sustain. multiple clients a day indefinitely 365. days a year. >> I mean, >> how many drag queens do you personally. know? >> Personally, one. >> Oh, ladies and gentlemen, this business. in the door. >> This is a thriving small business. Remember when there's like a statistic.

say 95% of small businesses fail within. the first year. This is what's. considered in that statistic. >> But I'm not I the business is open. I. haven't had to close. I'm sustaining it. What's your rent. >> for the B? I I cover three. Oh, or my. household rent. >> $500 a month. >> You'reing lucky. But even that with your. income is unfortunately bad. Yeah. >> 500 should be a blessing of a rent. But. $2,500 before she has to pay any of the. self-employment stuff is still 20% of. your income. And how long is that going.

to last? When that rent's going to go. up, when are you going to get out? >> Um, so I actually live in a house with. two of my friends. So that rent is just. kind of controlled by. >> you're not going to say the landlord's. going to raise rent. >> Mm- They own the house. >> Your friends own the house. They own the. house. You're beyond lucky. You're. beyond lucky, man. You would not be able. to do that if you were not being. subsidized by your friends. >> Correct. I'd be homeless. >> What do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the I literally just got to note. that she does not like her friends that.

are subsidizing her. She doesn't like. them. She actually dislikes her friends. that are literally subsidizing her. entire life. This is great. This is How. What Life are you living? >> Why do you not even like them? The. people that are in. >> It's not that I don't like them. I just. don't love I don't I don't love the. living situation. I love them as people. I don't I don't love the living. situation. >> She's backtracking. She's on camera now. getting called out. She's backtracking. Oh, we love a mean girl that completely.

on the people that I don't love the. living situation. >> What's the living situation? You getting. subsidized living? >> It's What's the living situation, lady? >> I just don't like living with them. >> Okay. What is the median rent for a. one-bedroom in Melbourne? A. >> lot more than $500. >> Dude, you're broken. What kind of. entitlement complex do you have? Why do. you not like living with them? I just. >> tell me.

>> I just don't I don't I I don't do well. with roommates and I. >> because you're a. >> No, because I like my personal space. >> Who the doesn't? But everyone gets a. roommates. You are literally being. blessed that they are not going to raise. the rent. >> No, I know. And I appreciate that. >> Do you appreciate it? You literally hate. that self that I have put myself in in. having to be in that situation. >> Oh, you not working and not being in. >> I am working first of all. >> Come on. You're doing hobbies income on. paper. You're doing hobbies. I'm not. doing hobbies. >> Yes. Your nail salon is a hobby.

>> Every business starts somewhere. >> Your business hasn't started. Your. business is a failure. >> My business is 2 months old. >> Exactly. >> That's. >> And it should be zero months old cuz it. is not working. You have no client. You. have no marketing abilities. You go to a. woman thing and no one's even there that. is marketing the same kind of product. and you didn't even bring anyone in. You're a failure. Median one bed rent in. Melbourne, Florida, $1,310. Good. luck. Good the luck. And you hate them. You hate living with them. >> I don't hate them.

>> Well, you dislike them that you don't. even like them. Specifically what you. told them. Uh-huh. Ladies and gentlemen of financial audit, this is one of the most exciting moments. in this channel's history. You know, I've been working on building all these. educational tools, our budgeting app, all this crazy stuff over this past. year, cuz that is where my passion is. We finally did it. And now we put it all. into one program called Dollar Wise.

Central. You get the premium version of. my budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff. collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? Just for the next 2 weeks, you can try. it for free. If you are struggling or. you want to learn more or you want to.

change your life in any way whatsoever, like literal tens of thousands of people. have done with our programs, go to. dollarwise.com. Click that link below. Your life will. change. It'll be incredible. and I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. dollar.com. Let's. go. And you want to move away from your. clientele you already have. >> I actually would like to move out of. state. >> All right. Good. The look. What do you. think your score is? 0 to 10. Zero being.

the worst, 10 being the best. >> Generously one. >> Why would you even be generous to. yourself instead of realistic with. yourself? That's what I would. >> realistically zero. >> Yeah. If you want your financial score, take the assessment. It is free at. caleopr.com or the link in the. description below. And if you don't want. to be like a guest that shows up on. financial audit, download the. dollar-wise budgeting app. Made it just. for you guys. Made it just for myself as. well. Take the free trial. Sign up for. the annual version if you want to save a. lot of money and get our budget friendly. cookbook signed by me direct mail mailed. directly to you. And sign up for. Dollarise Central, the all-in-one.

program that is 80% off where you get. all of our educational programs and the. premium version of the budgeting app. Dollarwise.com. All right, let's get into this first. one. Walmart. Walmart. What? Walmart credit. card. Is that what this is? >> No, it's uh that is a 401k account from. when I worked for Walmart. >> Did you just pull out of your 401k? >> I'd close the account. >> Best decade of compound growth in your. entire life. Just.

>> the is. >> I have good reason. >> Yeah, go ahead. I had to buy a new car. >> Why didn't you borrow for it instead? >> Because I was I already had an. outstanding auto loan on a vehicle that. wasn't running and because of my debt to. income ratio, I was not eligible for. another auto. >> Even Uber and save for a while. Go get a. real job instead of taking away your. entire future. >> Uber one way. We've looked because it's.

about $55 one way. >> $55, but you're throwing away your. entire future. If I'm working three, four jobs a day or even if I'm working. two jobs a day, that's a $150 to $200. round trip just for me to go to work. I. don't bring in enough to justify that. >> No, cuz you have to get another job. This is all leading up from your. decisions. Listen, I am not saying you. cannot get another car or make. sacrifices to get it. But it is your. choice that you are working jobs that is. giving you no money. It is your choice. >> It's hard to get a job in that area. I. mean, I haven't even tried to do that. I.

know I did. There was before I got. >> Well, but you haven't marketed yourself. very well cuz you have no experience. that would relate to a real job. >> outside of my my my own business even. trying to get a job literally doing. anything. I'm not joking. I would come. home and I would sit in my car in my. driveway for hours on end and I would. put in I'm not kidding upwards of a 100. job applications a day in your car. >> Yeah. In the driveway before I got in. the house. >> Obviously, you were not doing very well. applying to these jobs. If you're just. sitting in your car, you're mass.

applying instead of curating your. resume. If you do not curate your. resume, you are not getting a job. interview. >> But if I'm just looking at a part-time. job, then I didn't feel like I genuinely. needed to curate a if I'm applying to. McDonald's and I'm applying to like. Burger King and Taco Bell and all those. places, >> you have to curate a resume even on. McDonald's. You know why? You know why? I'll tell you. Because if you're not. curating it, that means your resume is. likely for the jobs you want. And if. your resume getting submitted to. McDonald's is for the jobs youing want,

then they're just gonna say, "No, no, no, no, no, you little tit." Then. they're just going to see that you are. only accepting that job for a temporary. period and you will immediately leave. when a job you want opens up. If your. resume submitting to a service job is. suggesting you're going to leave. immediately to get a different job, then. why the would they hire you? Even when I. was using a resume that had service. experience on it, I still was getting no. calls. I tried for months to get a new job. And.

this is the way I I believe you tried. I. do not believe the way that you actually. curated it specifically for them. I. immediately disagree with what you're. saying. >> I mean, there was service experience on. there, but. >> it's not just service experience. It's. the entirety of the resume. the skills. that you're marketing on there, what you. say your most recent thing is. >> Even even what I do, even even as a nail. tech, what I do that translates over. because it's all customer service. >> It's not about that, lady. It shows that. you are likely going to try to get into.

nail tech again. So, why would they hire. you if you're only going to be there for. a month? This is just simple strategy. How much did you pay for thoseing. eyelashes? >> A dollar 25. >> Okay, thank goodness. And they look like. it, too. >> Thank you. >> Oh my. >> Only the finest for you, my dear. What are you talking about? I don't. know. >> Listen, 34 years until you're able to. pull from these retirements. penalty-free. That $7,189.18. would have turned into following.

something like the S&P 500 $212, $43. >> Well, it wouldn't have done me any good. that far down the line if I didn't have. a car to sustain myself. Well, but the. the the you not being able to get a car. is by the choices you've led, by your. inability to properly apply for other. jobs, by you going into a career field. that is honestly a little kind of overly. competitive, overly saturated, kind of. bull. And you chose to do that instead. of completing your college the way you. were doing it with gen eds and going. into a field that would have made more. sense. This is an endless amount of. decisions that had led to the. consequences where you were forced to. pull from your 401k. And I have less.

sympathy on it because you chose all. those things that led you to that. situation. didn't necessarily choose to. have to make that financial decision. I. didn't want to Did you not listen to. anything I just said? >> I did not want to have Did you not just. listen to anything I just said? You made. the choices to go into a career field. that is overly saturated and would not. make that much money. >> But I didn't know how oversaturated it. was until I got into it. >> Are you kidding me? You have the. inability to use Google? >> No, I do. But as an independent nail. tech, I you I don't think you truly see. how saturated the independent side of.

the business is outside of, you know, the. >> go work for someone else. >> The standard. >> a standard salon that you see on every. street corner. >> Those are terrible. >> Terrible what? >> The service. The service. Then go. service. God, I am. >> brought in 600 hours a month working for. >> Also, it's one of those things that. people in my area are a lot of what I. have in the area that I live is retired.

older folks. So for them they have. money. No, they don't though. That's the. problem. That's why I had a larger. that's why I had a larger clientele at. the previous salon that I was at because. that was a budget friendly salon and a. budget friendly person. >> I don't want I'm not doing nails for. $25. My then my Okay. I wouldn't make. $500. I wouldn't make money anyway. because if you picked the wrong career. field I am. >> your turn. You make no money. You have. no ability to talk on this. You don't. get. >> I do because it's my business. >> Your business is a failure. I think I.

can speak on this and I'm more. >> sense of how many other people helping. you. It's me. >> I started just me. I didn't hire someone. until 6 months in. >> Okay, that's fine. But how well were you. doing up until you got more people on. your team? >> $10,000 a month. >> Okay. Well, was that how soon after you. started? >> Immediately. Almost. >> There's no shot. You said day one and. you made $10,000. >> one month in. >> Okay. I but and that's my thing is I don't. want to have. >> interesting almost like she has no idea. what she's talking about. >> I don't want to have to pull all of my. attention away from the career and the.

business that I am building because this. is something for me. >> from the hobby you want to do. >> It's not a hobby career. There are. people who make money from it but you. have to start. >> I'm 2 years in. >> Good. You should be working for someone. else and building up a client list. >> But that's not what I want to do. >> This leads me to having no sympathy when. your car breaks down and you're no. longer financially able to go get. another car. This was the choices you. made for your hobby. >> Okay, but I have to look for any job. I. have to be able to get to work. >> I agree. If you had a real job, you. would have made more money and you could.

have saved up fully for the mercy. >> I'm still looking for a new job. And. >> you're not applying correctly. We just. went over this. If you're not willing to. accept anything I said, then get the off. this show. >> Okay. The car situation is. it was something unavoidable. I that is. not something I'm not arguing against. that. I'm saying you made the choices. that led up to you having to pull from. your 401k. >> The car breaking down unexpected. >> She's She's Okay. She's incapable of. listening. She's an actual [ __ ] and I'm. going to move on. I'm sorry. Are you. like actually stupid? That's so Are you.

incapable of hearing anything I just. said? >> You Yeah. No. >> Thank you. At least you admit it. >> I think you should slam him one more. time. I just don't understand how you are. going to No, I think your roommates. probably hate living with you and I. understand why your first boss fired you. and everything's out of your control and. there's no personal responsibility. >> There is a lot that is out of my. control, but I do take responsibility. for what is in my car. How am I supposed.

to control the car? Now, >> the decisions leading up to it. I never. argued that the car wouldn't have just. broken. It is the decisions leading up. to it. your career choices, your lack of. staying at a job, your inability to keep. one without getting fired, inability. >> of jobs, >> inability to curate your resume to other. jobs. >> Okay, that I will admit I'm not the. greatest. I don't understand. >> Wow. One thing she's willing to accept. the one thing in her life. Okay. And.

what kind of car did you get by taking. out from your 401k, facing penalties, and getting taxed at your income? You. had federal tax withheld 20%. You only. received the 5,700 from the 7,100 you. brought in. Great. Would have been worth. a couple hundred,000 by the time you. retired. Wonderful. What did you get? >> Um, it is a 2005. Volkswagen. >> Good. How much did that cost? >> 5,000. >> Good. Okay, I accept.

>> I would have rather Well, never mind. You can't cuz you you don't have the. job. I was going to say I'd rather take. out a 401k loan, but then that doesn't. >> So, I looked into taking out a loan on. it, but the loan balance available for. me was only 3,000. >> and that wouldn't I wouldn't have had. enough to Yeah, I wouldn't have had. enough to. >> Well, if you had a real job, you would. have saved up money and you would have. been able to do it. >> I'm trying to make it a real job. >> No, you're not. >> Yes, I am. You're putting so much into. it because I. >> You're putting in a ton of hours into.

your $6 an hour hobby. >> It will get better. No, >> it will. >> Says. >> me. >> How? >> Because I am going to manifest it. >> She's a [ __ ]. >> Say what you will. >> Let me guess. You're just using an. investing app that doesn't invest in. you. It is time to change that. Right. now, Weeble is offering up to a 3.5%. match when you open an IRA with them. That is real money going into your. retirement, not just points or coupons.

And that's just the start. deposit $100. and you get 30 days of Weeble premium. Anywhere from $2,000 to $10,000 sitting. around in your account, move it to. Weeble and get $200 in cash. And if you. worked your way up to $5 million, that's. $30,000 in your account just for moving. it over. It is not just about the perks, though. We provides the tools that. serious investors want as well. Trading. View integration, real-time data, zero. commission trades. It actually works on. all your devices. And now through. September 30th, you can stack even more.

Get a $100 cash bonus for a $2,000. deposit, plus a 2% cash back on all. deposits and a 30-day premium voucher. and a 4% APY booster on any uninvested. cash. It doesn't get better than this. So, stop overpaying for a platform that. gives you nothing back and make the. switch to Weeble. Go to weeble.com/kaleb. or hit the QR code or the link below. Let's get back to the show. K. Was there. a loan on the other car that died? >> No. So, I have a personal acquaintance. actually who loaned me the money to pay.

off the loan to the bank so that I can. get rid of the car. >> Right. Right. Right. >> Well, I couldn't do anything. >> Remember when your debt to income and. you couldn't borrow? That also would. have been solved if you had a real job. as well. >> Yeah. >> Instead of your bull. >> You're right. >> Okay. City. What's going on with this. card? Lady. reminder $10,000 spent in the last. month. That is majority used for my. business expenses.

>> City Double Cash. It's not even a. business credit card. Nope. Harder to. separate business expenses. Yeah. Let'sing find out. >> Everything's a business expense. >> That's not how that works. But also, there was no spending on here. So, I don't I don't know. >> It's cuz it's maxed out. >> Oh, it's maxed out. Okay, great. So, $4,17420. is owed on this. >> Mhm. >> The dude, why why do this to yourself? $153 is your minimum payment and 36.

$111.36. of interest accured in the last month. How long does this take to pay off? If. you make minimum monthly payments. without any purchases, which I assume. when you have the ability to make a. purchase on this, you will again, how. long does this take to pay off? >> Probably a couple years. >> Okay. 15. >> Okay. >> I mean, I have no words for that. I. spent it. I don't I I needed this for. the business. >> 41 years old.

>> Yeah. >> For the business. You said you spent. $2,000. There's. >> $4,100. >> Several thousand. >> How much was that one time cost? >> Several thousand. >> Okay. I'm going to die. That's. wonderful. Didn't we narrow it down to. two? You spent $4,000 getting this up. and running. >> I spent more than that, but it's How. much did you spend? Not all on that. >> How much did you spend then? How much? >> I couldn't give you an exact number. >> Best guess. >> Probably $6,000. >> Oh, you're you're you're you're dead.

You're dead. There there's noing way. Are you kidding me? That's an entire. year's. That takes a year and then you said you. have to do it again cuz it only lasts a. year. So, you'll never make a profit. Well, it's not. >> No, this is not a business. Officially. officially lined down. This is not a. business. >> Bulk supply up front. So, like, okay, for me to buy furniture and decor and. everything to get the. >> decor,

what is she? Who is she? >> Do you want to go somewhere for a. service that is supposed to be relaxing. and and all these things? And you go. somewhere and it's just a whitewalled. doctor's office. No, >> joke. Use You go and get a bucket ofing. paint, lady. >> I did. It was $75. >> There you go. Instead of also to get. >> stuff I had to get decor for the walls. and I had to get used in the wealthy. area on Facebook marketplace. >> Some of it is used furniture. Some of it. is not because $6,000. Unacceptable. Unacceptable. Unacceptable. Unacceptable. Unacceptable.

>> Unacceptable. >> Equitable to buying used in the area. >> Unacceptable. No, you don't buy. something you just can't afford. This is. ridiculous. >> I afforded it somehow. >> You didn't. It's a crewing interest. Don't be a dumb. But so I had to buy Okay. So, but okay. But like I won't have to buy furniture. again. A lot of my. >> You will though. You'll want to You'll. want to upgrade it. >> I'm trying. I'm trying. You know what's. really interesting? You know what's. really interesting? This decked out. place that needs to look cozy and all. this stuff. Uh brings in $500 a month.

So, what an investment. What an. incredible investor you are. Manage my money, please. >> I will. Um, no. But like I I won't have to buy a. new nail desk. I won't have to buy a new. pedicure chair. I won't have to buy a. new, you know, but like but okay. But. like nail polishes, you only go through. so much and stuff like that. It's not. super expensive. And. >> just this year so far, $500. So this. year so far, you already lost a month's. worth of income. Add that onto the. purchase that we're put on this car. This is a 13-month thing. 13 months of.

your income in order to get this up and. running. >> Okay. >> You're 29.99%. interest rate. Good luck. Good luck. I I just I don't even know, man. What the. What is wrong with her? Colton just told. me the salon offered to sell her their. tools, but she said I'd rather just get. new. >> because the cost that they were asking. for used tool, like heavily used tools,

>> bargaining them down if they were. >> I tried, but it was it literally within. Okay, but. >> how much would you save total? a dollar. or two. >> per item or the whole thing. >> I'm for Okay, so first of all, I don't. trust you based on everything you've. talked about. >> for me to buy used tools that were not. in here's a direct quote from you in. usable condition. >> I have a direct quote from you. >> that you bought all all new nail. polishes because the old salon stuff had. quote had bad energy unquote. >> nail polishes. No, because the nail. polishes were not up for sale. But as.

far as my tools and stuff like that, yes, I did buy new ones. But that those. are also something you have. >> quote had bad energy unquote. >> Yeah. Because I didn't want to bring any. of that with me. >> I didn't I didn't like the energy in. there. I didn't like the I didn't. >> I wanted to I wanted a clean slate. I. wanted a fresh start. And in my mind, if. that meant spending a couple extra. make it, >> then it was worth it to me. >> No, it literally worth was not.

No, don't use the the word worth. It was. worth it to me. >> No, it wasn't. >> Mathematically, no. Personally, you. >> Well, I girl masked the hell out of it. and it made sense to me in the moment. >> Okay, you're going to make everyone hate. women. You're going to make everyone. hate women if girl math immediately. >> Do you think people don't already hate. women? >> It's 50% of the world. What are you. talking about? >> Okay. Well, majority of the world hates. women anyway. >> Women hate the I love women. Big fan. Personally, >> you're one of the few, I guess. >> Give me all of them.

Clearly not all of them cuz half of us. like this. >> Well, that's you. You just said girl. math. Like I don't understand why. Why. bring to your entire gender this. negative connotation that you're inable. to manage money? Why do that to. yourself? >> Because that's how everybody else. already looks at it. >> Women, >> that's what everybody else. >> You're setting it. >> I mean, yeah, you can look at it. I'm I. did the math and it was piss poor math.

and that's fine. And I'm sure someone's. going to turn around and say, "Oh, well. that's just a girl math for you.". >> I don't. >> financials are not my strong suit. And. I'm very aware of that. >> Uh, obviously, but there's so much. information out there. And yes, of. course, we have a a paid version that. curates it all, makes it much easier to. go through and provides good educational. services and we give you that for free. We'll give you dollar central for free. But e either way out there, if you put. in the extra work to organize it. yourself and try to determine what's the. best sources, you could have figured it. out. But I have tried and I I mean.

that's I'm. >> but you haven't been able to tell me. what you've tried. >> Okay. So the best version of a quote. unquote budget that I can tell you that. I've done for myself is once a month. I'll sit down and I'll go through and. I'll write down my expenses either on. paper and. >> expenses that have happened or up and. coming expenses. >> No, like current like all of my credit, you know, all of my credit card debt, all of my monthly bills. So whatever I. have to pay on a monthly basis. >> What's your intent with that? So you. write it down and then you just leave it. >> to just see to see what does that need. to be able.

I guess it just it more so gives me an. idea of what I'm what is going to come. out of my pocket this month for expenses. that I cannot avoid and kind of give me. an idea of okay where do I need to be. financially bringing in money to be able. to make sure I can keep myself at least. afloat for this month. I'll tell you. what's a dumb uh budget. Going to a big. beauty expo in Orlando where you bought. your sweetmates ticket as well. You. spent around $800 in total and called it. a quote a business promotion unquote.

>> I mean, it is a business expense. It is. a write-off. >> You don't have any money to write off. You already overspent everything you're. going to make this year. >> Yeah. >> What? You're not going to all of a. sudden You think if you write off beyond. zero, the government just gives you. money? What do you think happens? >> No. So what is the point? What do you. think happens here? You need money to. pay your bills, >> but you have to spend money to make. money in a business standpoint. >> You do. >> the collapse of the American Empire. >> What is going on with IHG?

>> Um, so that card is also pretty much. maxed out. >> for what? >> Um, I put most of my travel expenses on. there. >> Why the are you traveling? You make no. money. You make no money. Why are you. traveling? Who are you? >> Yo, $6,27259. on here. Yeah, maxed out. $25 minimum. payment. What the is your travel? >> Um, so I mean business trips. Um, >> your business is nothing. Your business.

is nothing. >> My business is not nothing. First of. all, my business is not nothing. >> Objectively, it's nothing. You spend. more than. >> to me. >> I don't give a you. That means nothing. That is a joke. Your business brings in. $6,000 a year. Shut the up. That's a. lemonade stand. Shut up. Means something to me. Who gives a. >> But that is also expenses for um like. trips home to go see family. >> Where's family? >> Illinois and Missouri.

>> Then don't be in Florida. I don't know. what to tell you. >> Okay, but financially I can't leave. Florida at this point. >> Financially, you can't stay in Florida. Well, I I am hoping within the next year. to be able to move back home. >> to where where is back home. specifically. >> Back home is Illinois, but I'm probably. looking closer to the Missouri side cuz. I live right on like the river. >> What is that? St. Louis. >> Yeah, general area. Yeah. >> A declining city. >> Outside the city. I'm not going to go. downtown, but. >> I'm not talking about just downtown. The.

metro area has a declining population. >> That's where you want to start business. You would disagree. >> They've had a boom in certain areas over. there. >> Huh? They've had a boom in certain areas. over there. >> I'm sure a couple suburbs specifically, but the entire metro area. >> I mean, no, but you look at like. Chesterfield, St. Charles, of Fallon, St. Peters, all of those areas are. growing. I mean, even my hometown is. growing. >> Okay, St. Louis has gone from 1990. 396,000. to 281,000. Shut the up.

>> I mean, yeah, if you're looking at St. Louis specifically, I mean, it's it's a. violent city. people don't want to live. there anymore, but there are still. people coming to the outskirts and the. surrounding areas of that. St. Louis in. and of itself is obvious is not great, especially when you're I mean, I grew up. 30 minutes south of East St. Louis. It's. one of the most dangerous cities in. America, but obviously people aren't. moving to East St. Louis, but they're. still moving to the surrounding areas. >> Listen, I'm not saying people aren't.

going to move in, but either way, if. we're in a declining city, is that where. we're setting up a business? At least. you can live for free with the family. But that doesn't make sense. >> I don't have family that I can live. with. This would be an individual. expense. >> Why? You're moving back for family, right? >> To be closer to family, but I don't per. se have family that I can move in with. >> What do you mean? No one's willing to. let you? >> No. >> Why? >> Family drama. >> Then why do you want to be close to them. anyway? >> Um because I do still have family that. I'm close to. while financially they. won't let you move in.

>> They may not agree with the things that. I've been doing, but they financially. like a child. >> It's I mean, it's not even that. It's. things outside of that as well that have. happened or been said or. >> just. >> No, tell me. >> My mom likes to run her mouth. >> Yeah. And what does she disagree with. and what has she said? >> She's just not a good person. >> Yeah, tell me. >> That's something I'd really prefer not. to get super. >> That's fine then. What the are you. talking about? You said there's family. members that disagree with your. finances. I mean, yeah, there are family. members who disagree with my finances. They don't think that I should be doing.

what I'm doing. They think that I need. to find a quote unquote big girl job. They need to, but also, and this is. where I struggle with that because my. family also very. >> has the mentality of prove people wrong. >> And so, while yes, you're proving. everyone, but I'm working towards. proving them wrong. >> Nope. Nope. Nope. Literally, no. That is. that is not true. I'm sorry. That is not. true. And then what would your plan be when. you're there? >> Money. >> Work. Probably get probably go back to.

serving where I used to serve because I. made really good money there. And. >> full backwards though. You're not trying. to. >> But but then I would still I I would. probably flip the script and I would. probably go back to serving full-time. And then. >> are you anti getting into a job industry. that's actually growing in the United. States or anything? >> Because my grandfather thinks I need a. trucker. >> Well, that's good income. That's good. income. I'm sure it is. what I don't. want to do. >> If you don't want to do that, that's. fine. I mean, I'm not going to force my. That's why I left my last good job cuz I. I just I was tired of traveling. I was. >> your last good job. >> I worked for Walmart. I was a project.

manager for store remodels. So, I. traveled around. >> starting 50,000 a year when I left 51. >> Plus, you transfer that skills to. another job though. Oh, I have and that. I I have even before I left that job, I. tried applying for other jobs in project. management, in construction fields. Even. within Walmart, I've had a hard time. finding getting a job with them again. >> Well, you quit. >> Correct. >> A lot of companies aren't willing to. hire people who've quit. >> It's a little different when I I worked.

for Home Office, but trying to get a. >> You still worked for Walmart. A lot of. companies have like policies against. hiring people that quit. >> They will hire people back. They do all. the time. >> Okay. Well, a lot of companies don't. and maybe hiring manager isn't that. you're looking at. I don't know. >> But. >> okay, so let's see. Growing industries. in the St. Louis metro. Software. development has gone up 18%. Data. science up 22%. Cyber security up 32%. Advanced manufacturing area. Yeah, you. might have to work in manufacturing. Supply chain management potentially.

Healthcare and life sciences. Healthcare. is usually pretty good to get into. Logistics and trade transportation. We. know you don't want to do that. And. leisure and hospitality. Well, that's. what you're talking about going into. Those are the largest industries. Okay. So, IHG takes 18 years to pay off. >> Yeah. >> Thousand hours of interest this year so. far. Travel for business on here. Well, now we've lost in total with interest. acred in the business expenditures six. to 7 $75,000. this year.

>> Yep. $75,000 divided by the $500 you. make. That takes 15 years just to recoup. that cost. And you'll be redoing a lot. of those costs when supplies are done. >> Yeah. >> And you have to re-up them. Okay. Capital One. What's going on with this. card? Also close to maxed out. >> that card. Um I had to split the payment. for my car repairs between two cards. So. that card holds. >> a repair for your last car or new car? >> For my last car. >> Okay. How's your current car doing? >> Fine. >> Miles, >> I haven't had uh 82,000. >> Okay. Foreign car is a little more.

expensive for repairs. >> Um. >> 82,000 is great for that age. For a. 20-year-old car, it is. Um, well, and so. that was the thing, too, with everything. that happened with my previous car. I. went into purchasing this new car with a. little more. I wasn't so much wearing the rosecolored. glasses of the car industry. I I have. some friends who run a car group based. around Volkswagen. So, I bought the car. with the intention or with the knowledge. of I have a lot of people at my I don't. want to say at my dispense, but at any.

given moment who can help me with. repairs on the car. So, so who. Okay, so somebody in your life bailed. you out of the last debt owed on the. last car, but you still have debt. hanging around for that anyway cuz this. was all repairs on the last car. >> Yeah. And I'm still paying them for that. as well. >> Ridiculous. 17 years to pay this off. >> Yeah. >> $500 in interest this year so far. Listen, uh the family who who are the. family members that are against what. you're doing with your money? What's. your relationship with them? and how.

many and what are those conversations? >> Like I said, you know, my grandfather. has told me that I should become a truck. driver that I need. >> I don't know why he's hyper in one. industry specifically, but you should. get a better job. >> I think my my my stepun is in that. industry and he knows what he makes and. it's a great job, but I just want you to. get you. >> I want you to get into a good job. >> Yeah. >> Yeah. You were talking about nothing. that meant anything. So, yeah, >> I was explaining it. >> I don't care. >> Okay, then don't ask. >> No, I didn't need the long- winded. uncle. I just said who was doing it. You.

said grandpa. I didn't need to know. Uncle makes money. We all know truck. drivers make money. >> Yeah. >> I just want you to get into an adult. job. >> Mhm. >> That is one option. If you don't want to. do that, that's okay. We're not going to. pressure you to get into that job. Okay. Who else? And what's the conversations? >> Um my grandma for a little while was. very on edge with it. I think because. she was having conversations with my. grandpa about it, but she has since. flipped a script and she's very on my. side about it now. >> She's a dumb. >> She be careful with that. Um, >> what does she have? Dementia?

>> She is dying. >> Well, okay. >> And she does have dementia. >> Well, then why is she setting up her. grandma or her grandchild for failure? >> Because she wants to support me. >> But she's not. It's enablement. >> I think she sees the potential in in. what I'm doing and she is proud of the. fact that I have taken the step to build. something for myself. >> I It's so cold. It's so cold-hearted. I. know this sounds so cool wholehearted, but it and listen, just because there's. a sympathy of the fact that she's. approaching end of life and that's. really sad and I am sympathetic and.

that's horrible and I would not wish. that upon anyone does not mean she. support she should support you. destroying your life. >> But I don't feel like that's fair to say. that everybody also should just on me. and say, you know, what you're doing is. stupid and you need to give it up. >> But that's real. >> How would any business venture start. then if that's No, no, no. I told you. how to do this in a proper way. you're. not willing to do that. I'm not saying. you can't be a nail tech. I said you. need to put in the work with other. people and build up clients, not. immediately go into your own business. and spend so far $7,500 to make $500 a.

month. >> on in the area that I am in that I am. willing. >> and you go to a different area or that. you're not willing to. You said willing. >> Yes. Because I'm not willing to take a. pay cut to do that because again. >> cut you make $500. >> Okay. But that's the thing. That's what. I was trying to say earlier is even most. of the girls that I went to school with. who work in those said salons either. don't work there anymore because the pay. was too low or we're still having to. work two and three other jobs here. >> because the income is not here's the. reality I get that I get that you don't. need to finish the sentence so everyone.

knows what you're going to say. >> oh my gosh you just you just really go. on for a long time. >> the number one YouTube membership just. got upgraded three exclusive shows every. day Monday through Friday, financial. audit post shows, exclusive and. uncensored financial audit episodes, our. call-in show, hammer it out. >> Then take the train, >> and brand new shows, fat and fatter. >> That is wild. >> That one is.

>> I would go off brand. >> behind the audit. >> This was wild. Shop smart. >> And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Join Hammer Elite, the best membership on YouTube today.

>> Then Mhm. >> clearly. >> Okay. this industry in that area sucks. and you shouldn't be doing it. >> Correct. But I'm in it and I don't know. how to get out of it at this point. >> by stopping. >> Eat the loss on the lease and go get. another job. >> But it's not even the lease. How do I. eat the loss on everything else that I. bought for it? >> You just have to This was a oops I up. mistake that this is not a sunk cost. This is not a sunk cost. You don't. immediately have to try to buy your way. out of it. it still takes 14 months with. what you're doing and then by then. you're going to have to spend more money. just to sustain what you're trying to do.

anyway cuz you'll reup your lease and. you'll have to buy more supplies by then. anyway. Like I'm sorry. Do you even. enjoy this? >> I do. I absolutely love it. >> Well, at least you have that. But the. fact is if literally every other salon. is in you're unable to work there. because no one makes money, then this is. not an area where this industry works. >> And that means then you can't do it. You're not going to go into an industry. in in an area where all techs that are. barely even making much money are on the. cheap and you're going to go in and be. this highle one. No one's going to pay.

for that. Obviously, the market is not. demanding that in that area. And I'm. sorry. And just because just because. your grandma's in a sad situation. doesn't all of a sudden make that valid. >> That's fair. But also, I don't think. it's unfair to say that nobody should. support me in what I'm doing. >> No, no, no. Do you not understand what. support is? So often times supporting. people making wrong decisions is telling. them they're making wrong decisions. >> Well, I know that there's a hard truth. behind it. But I'm also But what I'm. saying is I don't think everybody should. look at me and just outright say what. you're doing is and. >> what you're doing is.

>> right, but it has to start somewhere. >> No. And I told you how to start it in. that area is clearly not an area where I. will keep that in mind. But. >> keep in mind, you're on a lease for a. year. You started two months ago. >> After that is said and done. I mean, I. don't I I don't I don't know. I don't. know what you want me to do. I'm not. going to bail on a business and I'm not. going to I'm not going to leave it on. someone else's shoulders. >> Someone else's shoulders. Still pay your. rent, but you we need to get you in a. better career field. I'll gift you a. course career certification. It's great.

for getting into a different career. field. I'll get you that. I'll gift you. a Fizz card as well. We'll get you on. that. It's a debit card that builds. credit. I'll even get you on Weeble. Now that. you pulled from your retirement, you. better start investing. >> Mhm. >> So, I'll get you those signup bonuses as. well. But for sake, man. Uh I I like the. idea of moving to St. Louis. It's. definitely a cheaper area for sure. Also. means cost of living is lower, which. means you make less. But I say you'll. make more doing anything. >> Yeah. >> Literally doing anything.

>> Yeah. >> Else. >> Yeah. >> You have a strange relationship with. your family anyway. Why? Why? Why? Why. fully do we want to move to St. Louis. specifically? >> Because my grandmother's up there. And. >> for how much longer? >> That's the hard part. I just went up and. visited her recently and she's not she's. not doing terrible but she's not doing. great. >> And again, it is sad and I do have. sympathy for that. It is not an excuse. to continue doing something that is. damaging your life. >> No. No. But.

I think the idea behind it was was to. build something for myself that if it's. going to fail, it's going to fail on me. Nobody else can take it away from me. It's mine. >> I'm okay with a failure, but you put. $7,500 in plus a yearly locked in lease. for this. Yeah. >> This is damaging beyond damaging. You. pulled out a 401k to buy a car because. you never set yourself up for success. and had money. >> Yeah. >> Like it's more than just that. This is. more damaging than you just did. something and it failed. It's the you're. going to be paying on for forever from. the lack of retirement, from paying off.

debt to paying off whoever lent you that. money. Listen to paying on the lease. that you got. You'll your credit if you. if you don't pay on these things. >> Yeah. >> And I'm sure that lease is tied to. personal assets in some way whatsoever. I don't know, lean on something. Maybe. you usually don't pay a lease in the. commercial world. They can come after. you in personal assets. >> Yep. >> So, even though this is a more. interesting situation with this. commercial space, listen, again, I and I. don't think they should necessarily. bully you. However, I have a feeling. that they just tell you the hard truth.

and because you're you and based on. everything you've said about other jobs, you think it's bullying even though. they're just saying, "Yo, this isn't. working. You need to try something. different." I don't think it's bullying, but I don't think it's fair to. completely tell me that I have to give. up something that I've worked so hard. for. >> It's less give up. You can do it on the. side as a side hustle while you build it. up while doing something more. productive. >> But that's but that's the hard thing. And and if you know if I do take my. grandfather's advice and I go into the. trucking industry, but but what I'm. saying is if to me it doesn't make sense.

to give up the focus on that because if. I'm not focusing on it, I'm not building. it. >> You're making 6 hours an hour. like I don't care. You do it on the. side. >> You build up the clientele. And if it. ever that again, even though the YouTube. thing in this business took off a little. quicker, as we explained earlier, than a. lot of businesses, I still didn't quit. my job until I knew it would at least be. sustainable multiple months in a row. >> That's why I work so many of them. >> No, you quit your job and you went off. on your own. That it is not the same.

thing. That is not It is not a similar. situation. You're out there killing. yourself in order to make $30,000 a. year. It's not working. >> Yeah, I agree. I mean, >> you're probably on government subsidized. health insurance, aren't you? >> I don't have health insurance. Okay. Well, that's dangerous. >> Your health insurance would honestly be. free with your money through the. affordable care uh system. >> I think I've looked through it and I. didn't qualify for it. I don't know why. Maybe I filled it out wrong. I'm not. sure. >> Well, okay. I don't know about that, but Okay. So, Capital One. So, this is this the same.

Capital One I was just doing, or is this. a new one? >> No, I have two Capital One cards. Oh yeah, this is a quicksilver. So. what's going on with this? >> Um, so that one also is the other. portion of the vehicle repair payment. >> Good death. So you're just paying on. this past vehicle permanently forever. >> Yeah. >> $2,623.99. Now I'm a little confused. A lot of the. places that you can go to get car. repairs usually have like a 0% interest. thing instead of opening a new credit. card and putting on this. >> I wasn't offered that. I went I went to.

a dealership. They it was never even. mentioned. I would go somewhere else. I. don't know. >> I couldn't take the car anywhere else. They had already done the work on it and. I didn't really have a choice. >> It So, okay. So, the car went in for one. issue and it turned into basically. rebuilding the entire engine and it was. just one thing after another after. another to try. >> Did you talk to anyone in your family? >> No. >> Oh, you should have asked for his. advice. No one would recommend putting. this much money, especially on a credit. card for a car repair for a car that's. not going to last. Well, so the.

intention the intention was that these. repairs were going to fix the vehicle. And I do know like. >> I know what the intention. >> but and then it turned into okay well. now it needs this and and I'd already. paid this. It was like $62 $6,300. upfront for the initial repairs on the. vehicle. >> You know what's a better way to repair. your life? Come in on Financial Audit. Come on to Financial Audit at. cable.com/play. Continue. Um, so you know, I took it in. and I I had explained to them because. they had asked me, "Hey, are you.

interested in trading the vehicle at. all?" Like, and I I had said yes and. outside of that initial them asking me, it was never brought up again. They had. my vehicle from October 7th of last year. up until about a month and a half ago. >> Okay. >> So, >> okay. So, you had $2,623.99. on this with a minimum monthly payment. of $93. Also takes 17 years to pay off. Uh oh. We've had a late fee this year so. far. >> How many? >> One.

>> Okay. >> Why? >> I I think it was a bounced balance. I. tried to pay it and I didn't have enough. >> [ __ ] job. >> I have several. I have at least one real job on paper. according to you. >> Yeah, but you say if I work 20 hours a. week in it. >> Well, things have been hectic lately and. I've not been able to pick up I like I. just said I went out of town to go see. my grandma who's dying which I can. empathize with. But again, you set. yourself up for this situation. >> I understand that. >> all the choices you made led to this. >> I understand that. >> I'm not yelling about the car breaking.

down. I'm not yelling about your grandma. dying. It is the financial choices you. made that set up for your inability to. be able to afford something like that. >> Yeah. I mean, I I do know that that I do. have some poor financial choices, but I. also I don't I don't I don't think that. I should totally miss out on life and. the things that it has to offer. >> Say that, but I'm [ __ ] criticizing. you for what you've done leading up to. it. and your inability to change it, which means the next time an emergency. happens, which they always do, you will. also again destroy yourself.

>> Well, an emergency better not happen cuz. I don't have anything to pay for. >> Grandma will die at some point. Hopefully, it's in the next 20 years. >> Well, I do have a funeral coming up that. I am going to have to go out of town. for. >> There you go. Your grandpa will die. Your parents will die. Everyone will. die. You will die. Okay. So, that is. something that is going to happen and. you need to be able to prepare for that. And that will be a travel expense that. I'm not going to say I don't want you to. do. That's not true. But if you continue. your financial mismanagement, every time. something like that hits, you're going. to permanently yourself even more. >> Yeah. Okay.

>> You also want to go on a warped tour. soon with your boyfriend. I don't even. know what that is. >> It's a music. >> Also, did it. It's a music festival. You. You're not going. Also, why don't you. live with your boyfriend? >> We're not there yet. >> Oh, okay. Pretty fresh. >> Yeah. >> Okay. Well, he can pay for your [ __ ]. spending at least, right? He could, but. I'm not going to ask him to. >> He doesn't pay when you guys go out to. eat. >> I mean, yeah, he pays for things, but. I'm not going to I'm not going to ask. you guys to eat together. >> He lives out of state, so he's back up.

in the St. Louis area, >> so I don't see him very often, so that's. another travel expense. >> Great. And that card's at 29%. Glove. with an Ulta Beauty card. What's going. on with this? See, you're wearing a lot. of it. um makeup, skincare, personal care. items. >> $491.71. with $13.50 of interest recurring with a. $30 minimum monthly payment. $80 this. year so far.

>> And you're going on a trip to San Diego. that is not a grand dying grandmother. >> No, it's not. But that was something. that was already planned and booked and. paid for before most of this went. downhill. >> late last year. >> You you weren't making money then. either. 31.24%. That is so stupid. What a moronic way to. live life. I will not. >> Okay, but but to be fair, that trip, that trip, >> that trip. >> I have another dying grandma in San. Diego. >> No. >> So then no, there is no to be fair. >> It's a It is a girls trip. It is not a.

necessary trip. >> Girls, I don't give a. >> I hotel is p is not paid for is booked. with points. So that is not a cost that. I am in. >> You've lost more than that in interest. I know for a fact. So don't points me. >> Well, no. That was hotel points from. when I traveled for work previously. That was points earned through hotel. >> What else? What else? To be fair. >> I there there's not really anything else. that I am paying for on this trip. >> You will spend money while you're there. I know for a fact stuff, but stuff like. that. Like I've already everybody else. has already agreed to like they're.

covering the rental car because I've. covered the hotel. I paid for my flight. Yes. But I did. >> cover everyone else's hotel with the. points. >> Yes. >> It's just one room. It's one big room. for everybody. >> You for paying from others when you do. have to go visit. >> Correct. for funerals and whatnot. >> Correct. >> Well, I didn't pay for it. >> You will spend money while you're there. So, this is disgusting. This is. disgusting. You make no money and you. say, "Well, I have to pull out of my. 401k to get a car." And then you go to. San Diego. You. >> I mean, buying a car is a little. different than spending $200 on a trip.

>> That's what I'm saying. And yet, you. still are. One's a necessity, one's not. You're choosing the not. And then all of. a sudden, you have to then you have to. damage your retirement in order to. afford it because all you do is just. live fun. So, I don't want to in my mind. 31.24% interest of the Alta. just broken out of Well, go back to the. whole girl math bull. That was the plane. ticket to San Diego was paid for by my. plasma donations. So, that it's. >> great. Plasma donations could have gone. towards paying for a car, so I don't. care. Shut the up.

Oh my gosh, you're broken. Is that all. your debt? I think that's your debt. You. got $16,827. that the the the you don't have student. loans from your your endless schooling. you did that resulted in nothing. >> I don't have student loans that was paid. for out of a college. >> Now what about the loan to the person. that for the. >> $7,500? >> Great. I'm going to say family. I don't. know. But either way, 500. Do you have an agreed upon monthly. payment? >> $250. >> Great. Is there interest? >> No.

>> You're lucky on that. That person must. love you. >> Yes. >> What else gets involved besides just. your grandparents? cuz you made it sound. like a lot more people. >> as far as. >> have an opinion on your failed business. >> I mean, I'm sure a lot of people have an. opinion on my failed business, >> but talk to you about it. Like you said, >> I mean, mostly just family members. I. mean, some who. >> I mean, my aunt, my uncle, my my I mean, I have a lot of them. My aunts and. uncles, my grandparents, my, you know, I'm sure my parents wouldn't look at. what I'm doing and be super proud of it, but they wouldn't look at me and say. they're proud of anything I've done. So,

that's a little different. Well, I mean, what have you. accomplished? >> I mean, I not to be rude, but I mean, it. may not amount to much, but I mean, >> if you want them to be proud of. something, what have you done for them. to be proud of? >> I mean, I don't care if they're proud of. me or not. >> Well, I know, but you brought up the. point, and it's. >> No, I know, but I mean. >> I mean, it's mean for them to say it. I. wouldn't recommend they say, "Hey, we're. not proud of you." Like, that's kind of. >> But for what it's worth, what can you. show that they would be proud of? >> I mean, it may not be profitable. that. may not be doing very well right now,

but I am I mean I am I am truly working. and trying to figure out ways to make. the business. >> Anyone can go not make money. You want. someone to be proud of that? I don't. know. Like that doesn't make sense. >> I mean, I'm I'm working on building. something for myself by myself. >> Okay. She doesn't get it. $212 in a. checking account. So, thank goodness. we're going toing Domino's. Going in and getting some [ __ ]. McDonald's long Dodgers Vieiraa. restaurant. Burger King bread. Uh, Beard. Octane Colister going to the pub.

American nails. Good. She spent $60 on. nails. >> That was supplies that I bought at the. beauty show and so was Beard Octane. >> Bonusity. Beauty and Body Works. >> Dragon Vape and Smoke. Going in and. getting some bull. Vape and Smoke. >> What. >> part of that? I I do vape. >> What is it? >> Just vape. >> How much? >> I maybe go through one a month. That. cost is actually split between me and. one other person. I do purchase for. someone else when I go and then they. just pay me back cash. >> Well, sounds like your funeral is the. one everyone's going to be going to.

sooner. >> Yeah. >> At least you only have to worry about. your debt by then. >> Someone else's problem at that point, isn't it? >> Okay. $112 in this one. It It started. with 14,000, ended with 112. What the is. happening here? >> That would be a I that believe that's my. savings account. >> It was at 14,000. >> Mhm. >> How did it go down? Um, I. >> actually Let's find the out. First of. all, how'd you get 14? >> I had a I had a really good savings and. I had myself set up really well when I.

worked for Walmart. But. >> so cool from retirement and emergency. fund off Welcome to Rockville. >> That was a music festival. >> Music festival. Music festival. Music. festival. Music festival. Chili's. Chick-fil-A. Starbucks. Chick-fil-A. Canva. Cash app. Canva to make something. that is never posted on social media. ATM draw 300. Atmraw 650. 1,800 draw 650. draw 650 draw 650 650 650 650 Where the. did that all go? >> Uh the car. >> Oh man,

>> I paid cash. >> Apple bill going in and getting some. bull some chick foring. >> I think that's that's actually. Apple bill going in and getting BS. Peacock Premium. What the for Apple. Bill? Uh Apple store Orlando. Amazon. I don't care. Going against some. BS. Florida Key Lime Playlandia Brewing. All to drain our savings for fun. Fun. Come on. The car thing. I can get it.

That's what an emergency fund is for. But then you had so much fun on there. and you drained your savings. Come on. No sympathy. Pull out youring phone. Pull out your phone right now. Right. now. From 14,000 or whatever to $112. where we got $74 in savings. You kill me. now. What a joke. Subscriptions on Apple. We. got iCloud Plus and Siriusing XM did. have Tinder expired March 21st. So this. relationship is fresh as Or were you. swiping while you're. >> No, actually. No, no, no, no, no, no,

no. It's It's not like that. That. actually. >> very defensive. >> Tinder No, that Tinder premium was for. something that my friends and I were. trying to look into and I paid for it. and. >> what? >> Yeah. >> Yeah. You're going to explain that a bit. more. >> Yeah. So, I we had found someone on. there and then couldn't find them again. and so we decided it would be a good. idea to just pay for the premium so I. could get back to the person. >> And why didn't um they your friends on. my phone. >> where you were collaborating with.

>> on my phone? >> What was on your phone? >> The account. >> They could log in on their phone. >> It was already pulled up on mine and we. were already doing all of this. But that. it was a it was literally it was charged. once and then canceled immediately. Okay. >> The Sirius XM is a free. >> They're calling out your body language. and covering your mouth and stuff right. now, by the way. Oh, good. 23 things in. our cart on Amazon.

Good. We got Oh, hair extensions. Oh, a. turbo fan. Oh, a photo stick thumb. drive. Some tops, keyboard and mouse for. sale signs. some shirts and shirts and. push up bras. Listen, if you got them, you got them. If you don't, don't don't. and you don't need to fake show off. >> Sticky bra invisible silicone cream. >> This is a shared Amazon account. >> Let me be very clear on that. >> Who? >> One of my friends. It's her account.

>> Always the friends. >> No, it really is. >> Pro gaming mouse. Endless chunky clunky rings and dynamite. set. And we know he had Amazon purchases. on there. So 45 celebrity napkins. What. the. >> her for her. >> hair lace thing. >> Well, the other ones he didn't say were. her fake cigarettes. >> No, all those are. >> umbrella sling. Crown gold necklace. More jewelry jewelry. I see that. I see that.

>> Yeah. We can't afford to pay bills, guys. I had to pull from my 401k in. order to get a car, but let me go ahead. and just spend all this money on. jewelry. Shut the [ __ ]. >> but if you look at a lot of that stuff. was was returned the phone adapter. >> Shut the [ __ ] up. >> Asus ROG shut the. >> stuff that I buy a lot of what I buy is. a business. >> expensing die. >> No. >> quiet. I will say Tinder is officially. deleted from the phone.

>> Yeah, it's not. Yeah, I don't use it. >> I don't. And how do you keep track of. these write-offs? >> I keep my receipts. I have a couple. different little folder things that I. put all my receipts in. A. >> couple different ones. >> Yeah, like I keep them around. I have. one in my in my work bag, one in my my. car. So then at the end of the year, it. all just collectively comes into a big. >> Oh, we will see. Okay, so 2550 comes in. Let's just say we don't even pay taxes. Let's just be generous. So yeah, let's. get these debt minimum payments. Let's. let's figure this budget out, you know.

Okay, let's I mean, you're going to have. to owe a little bit. Let's just say. $2,000 is what you get on a monthly. basis. I mean, come on. No, I mean, okay, fine. Fine. You're going to write. off some of the expenses, but let's. calculate that against the 550. Okay, so. some expenses blah blah blah blah blah. Okay, good. So, let's just call it 2,000. is net. What comes after business. expenses? Good. And debt minimum monthly payments is. $614.36. Okay. We know your rent at the house is. 500. Do you have to pay anything towards.

utilities and whatnot? >> Nope. >> Internet? No. >> renters's insurance. >> Uh I do pay for renters's insurance. because I also pay for a storage unit. >> How much is all that? >> Uh my storage unit just went up. I think. it's $110 a month. >> And that comes with renters's insurance. >> I pay the renters's insurance. Outside. of that I think it's $16. >> Okay. So we'll say for that $126. Great. Great. Great. Great. Great. Great. Phone. bill. >> Um so upfront I pay the cost I have a. shared phone plan with my grandma. >> So I pay the upfront cost of $110.

Why do you own and then. >> you still own your phone? >> Because I just had to get a new phone. >> and she pays you some back. >> So, she pays me for her half of the. phone bill. So, >> and what happens when. >> uh then I'm going to have to figure it. out? I would have. >> So, what do you have to pay? >> So, my half of the phone bill is uh $55. >> Okay. I'd switch to Helium if T-Mobile's. good in your area once you have that. phone paid off. >> Okay. >> It's much cheaper. Same coverage. >> Okay. >> Okay. Gas, vroom, vroom, drive, drive. How much on a monthly basis?

>> Um, if I'm not going anywhere and I'm. staying local, then it's probably. $150 a month. >> If you don't do anything that you always. do. Okay. Car insurance. >> Um, that currently is. >> 27. 270. Okay. 300 for food. Use our budget. friendly cookbook and use the budget app. that you get for free. Okay, you can. make that work. I promise. We've done. the math. Uh 100 bucks for TP fun.

Anything else you need to survive? It's. your own makeup. It's your own toilet. paper. It's your tampons. Whatever. Whatever. Co-pays. Uh okay, we're. getting health insurance. I'm going to. put at least 100 towards that. I think. you're going to be heavily subsidized. So, let's just say 100. Okay. You have. any pets? >> Uh please don't. Thank goodness. Any. other things that need to be in your. budget that do not that I have not. brought up? Uh, I don't think so. >> Okay. >> I don't think so. >> Good. Well, okay. You're $2,215.36.

is what you need to survive. 2,000 is. probably what you bring in after. business expenses. So, you're. >> Yeah, I honestly I didn't think it was that. bad. >> How? I I just I didn't I didn't think my. monthly expenses were that high. >> You said you've put everything on paper. This is a very basic That took me. >> No, I I know 2 and 12 minutes.

>> It's not I just I don't I I put it down. in hopes that I kind of understand it. better, but I I mean I truly don't. understand it. So, and it changes. So, >> why. >> I mean what I bring in changes and what. goes on. I mean, but like monthly. minimum payments change month, you know, >> barely. Barely. Very barely. Okay. What's your move back plan? Is there a. plan? >> Um, I mean, it's just a very general. plan at this point. I would like to just. pay down as much as I can and save up to.

make the move, but I also know that I. need to. >> How can you save if you make less than. you bring in? >> If you spend less if you spend more than. you bring in just to survive. >> I don't know. You can't. Unfortunately, I can't. That's that's. where I'm trying to dig myself out of. this. And. >> I'll be honest, there might some. potential business things you need to do. or if this car breaks down, I might it. >> But listen, what I'm personally doing. other than the family debt, if you can. prove you changed your behavior for a. few months, I'm declaring bankruptcy if. you're going to continue down this path. and I'm going to wipe this debt. It's.

going to you for a bit and it's a few. thousand hours to go through and it can. be a little stressful. So you have to. change your behavior, prove you do it so. you don't end up back here in the first. place. But more than anything, you need. to get into a career field thating that. has demand, that is providing more. value, that is not oversaturated. You. need to do a little research on what you. want to do and we can get you geared. towards education or certifications that. want to that that get you to where you. want to go. But right now, this is not. working. Whether you do that in St. Lis. or there, I don't know. But this is not. working. As simple as that. This is.

>> Yep. >> This is those are the two steps I'd take. from here. >> Yeah. Bankruptcy has been something that. has been mentioned to me before. I just. >> Yeah, but not until you change your. behavior or else you'll end up right. back here. And we've had people on the. show that have done that. >> Yeah. And that's Well, and cuz I do um. you know what I I don't remember if I. sent the stuff in for it, but I do have. a personal loan out with the bank. >> Okay. Well, at this point, we're going. to talk about in the post show cuz I. wrapped this. So, join Hammerly link in. the description below. Come hang out. It's going to be great. Let's get your.

Hammer financial score. Spending in a. budget, you overspend. 0 out of 10. Debt. Family debt's not great. We don't like. that. Okay. No IRS debt or collections. as far as I know. So, one out of 10. Emergency fund. Well, you drained it. Zero out of 10. Retirement. Well, you. drained it. Zero out of 10. Real estate, zero out of 10. You honestly probably. went from a maybe a three down to a. round it up.5 out of 10. Come join us in. the post show, guys. It's juicy as. always. Join that Hammer Elite.

membership in the link in the. description below. The number one on the. platform. We'll see you there. What the. is going on with this personal account? >> I took out a personal loan through the. bank to consolidate credit card debt. >> Oh, the and now your credit cards are. all messed up. What do you owe on this. personal loan? >> Some change. >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.