"High-Value Woman" Is Actually For The Streets | Financial Audit

Who would date this? >> I've seen people with way worse habits. and way worse debt. I'm not going to. lower my standards. >> Of course not. Which is why you've been. single forever. >> I'm not going to settle for less. I. know. >> I agree. Congratulations. Do that. But. the people that would be there will. never want you. >> It is not that bad of debt. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. three exclusive dedicated. shows every single day, Monday through.

Friday. And for the rest of the month, I. am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammerite.com. After that, I'll send you a $10 digital gift card. that can be spent basically anywhere and. in most countries. This is the best. membership you'll ever join. That's a. promise. >> My name is Harmony. I'm 28 years old and. I'm from Fort Worth, Texas. And this is. Financial Audit. Why does your name and your location. have to have so many Rs in it? That is.

very. >> I asked. >> like racist towards your mouth. >> I asked that every day of my life. >> Okay. >> Honestly, it is such a mouthful. >> That's what she said. >> What do you do in full whoop? >> Sorry. Okay. >> Um well, >> that's the one time that one time had to. get it over with. Please go. What do you. do? >> I um currently do not have a job. As of. last Monday, I quit my job. I was a. Starbucks barista for seven for seven. years and um I just. >> Oh, this is going to be so hard not to.

mimic. Okay. Gosh. >> Feel free to honestly. >> Uhhuh. Okay. Why did you quit your job, your Starbucks job? >> I was there for seven years and I went. through seven store managers. Um. >> Okay. Well, yeah. It's it's you know, working in food service. People come and. go. >> Yeah. Well, um he he was awful. And I've. gone through my fair share of awful. store managers. And after that, like we. I had a terrible week and I was just I. was done. >> You're just hitting them. You're hitting. every word you could possibly hit. Just.

>> I can't hear it. >> I can. I cannot hear it at all. So. >> I'm sorry. I haven't processed anything. you said. >> I. >> Okay. Yes. Okay. They suck. And you. left. >> So I resigned. I just straight up. resigned. And. >> see, people would say quit, but because. resign has an R in it. Well, I did I wrote my letter of. resination and I gave it. >> I wrote my letter of resignation and. gave it to him and I said here like I'm. I'm done.

>> Ladies and gentlemen, this is going to. be a hard one. This is going to be a. hard one. Well, I'm glad you like it. Um. >> I think it's hilarious. I mean, >> why did you quit? What was the actual. reason you quit? >> All right, so it was a mixture of health. reasons. Uh, I have POTS and it was just. getting real bad. It's I can't it's a. acronym. I forgot what it stands for, but it's. but I have POTS and so it I was getting. real like worn out because I go eight.

hours a shift and I don't I rarely get. breaks. Like I sit down maybe for. >> Just stop talking. I'm so sorry. Stop. talking for a second. It's not fair. It's not fair to you. It's not fair to. you. This is more words have Rs in it. than I've ever recognized in my life. >> Yeah. And then you hear someone speak. and you're like, "Oh.". >> So, what are you going to do if you have. pots? Then. >> I would like to look for like an. administrative job or something where at. least it's not as um. >> certainly not customer service. >> Yeah. So, I have been applying a lot to.

city jobs like in where I live locally. There's been a lot. >> There's been a lot. Um I've been doing. that. In the meantime, I'm doing Door. Dash. >> Can you survive off of Door Dash? I. mean, for is you know, >> people do. I prefer not to. That's not. what I. >> You prefer not to, but. >> I mean, we're asking if you're. surviving. You prefer not to survive. >> I prefer not to do Door D like survive. off of Door Dash alone. I would like to. actually find. >> But you are. Are you surviving off of. Door Dash. >> at the moment? I mean, I've only been.

out of work for a week. >> What do you think's going to be coming. in from Door Dash? How many hours a. week? How many hours are you putting. into Door Dash? >> I don't know. I just started. So, yeah. >> Wait, you quit before? I know the pot. situation. Yeah, I. >> that certainly sucks. But you were you. were you were able to put up with it for. years. >> Yes. For seven years. >> We could have started at least waiting. until we got a job for another. >> And that's what the plan was is I had it. lined up where I was like on my way out. I wanted to find a job. I was applying. to things and then crap hit the fan with. my. >> When did you decide to quit?

>> Uh last Sunday and I quit Monday. >> So you didn't allow yourself to actually. think about it? >> I did. I processed it and well it's been. I have been thinking about it for the. last 3 weeks before. >> Okay. So, okay, you you're thinking. about it for the last 3 weeks before. If. you're thinking about it in the last 3. weeks before, why in the last 3 weeks. before did you spend almost $500 going. out to eat? Why did you spend almost. $300 in miscellaneous [ __ ] Why did. you spend that much money on dumb of the. large purchases? $500. If we're.

considering quitting, we don't have a. job lined up. I wasn't. >> No. If we don't have. >> what. >> what. >> I didn't know how much I was spending. I. don't look at my account. >> Yeah, but you're considering quitting. So that's when we started changing. things, right? Okay, I understand. >> I started to I started to change like. slightly. I was doing better at not. eating out so much. But then like I. >> You were considering quitting and you. didn't have a job lined up. How are you. paying for rent? >> I don't pay what? >> You don't pay? Do you live with your.

mommy and dad? I live with my parents. nearly 30, right? Okay. I did. I moved. out. I moved out with my neighbors and I. moved out with a uh best friend of mine. I moved out with them. >> Okay. >> Um and that was bad. They did not pay. rent. We had. >> Your neighbor did not pay rent. >> Well, my it was my best friend. We moved. out with my best friend and we. >> Yeah, best friend. Okay. Well, you said. neighbor. Okay. >> So, I met I don't know why I said. neighbor, but we moved out together. It. was me, her, and her fiance. And it was. like $1,200.

uh of rent a month. and then with. utilities and she had a job lined up and. then she quit her job and she was like. okay well I don't know if I can make. this month's rent and I was like okay. well I will cover some and you can pay. me back later that never happened she. never found a job her fiance. >> what's to say you can't live on your own. doing that last job and then you wait. and you get another maybe you get. another roommate but what's to say. >> well I so it put me in about $7,000.

worth of debt because I was using my. credit card at the to pay for rent. >> Was she on the lease? >> Yes, she was. >> And on the lease, did it specify that. you guys would be splitting? >> Yes. >> Okay, >> then there we go. She would have been. held accountable. >> I didn't know that actually. I didn't. know that she. >> Well, it depends the language within the. lease. >> It was I don't know. >> You were paying your rent on time. Correct. Your described rent or was. there the rent for the apartment? >> It was just a rent. We were all three. signed on the lease, but it was a total. rent for the apartment. And so, >> okay, that's different. So that's then.

you guys decided what to split. Now the. fiance, why wasn't the fiance stepping. up and helping? >> Um, he worked part-time and he just. wouldn't. >> And are you saying all the debt you're. in, all of it is because one person. didn't pay rent? >> I wasn't in debt until I moved out with. him like, >> okay, but it was it all because someone. else didn't pay rent? >> It started that way. Yes. >> Started that way. >> And then, well, then I was like, okay, I'm in $8,000 worth of debt. I don't. know how to deal with it. I didn't know. what to do. and I kind of just buried my.

hand in the sand like an ostrich and. just didn't deal with it. >> You're in $23,000 of debt. So obviously. it's not just the $8,000 of credit card. debt that was picked up from. >> some of it is medical. Some of it is. like a car loan. So it's not all. >> a car is good. >> Yeah. And we I didn't calculate medical. debt into that. >> Maybe it's not calculated into I thought. it was the care credit like. >> that's such a minimal part though. That's such a minimal part. And then I. have also had to put dentist like. expenses on that card. Um. >> which is a minimal part.

>> No, not in credit on my Chase. Um I've. had to over the like I think in May I. did $1,000 um on my. >> So what are you doing now then to. actually pay this off? Obviously you're. not right. >> Well, I'm paying but I'm not doing a. whole lot. >> How can you pay? You have no income. You. just quit your job without anything. lined up. What do you mean I'm paying? That doesn't make sense. You're not. paying. >> Well, I'm paying the minimum at the. moment. I just. >> You don't have an income. Door Dash is like I will figure out. >> Dash. You've done a week. You don't know. how much is coming in. >> No, I don't. But enough.

>> You have a stock portfolio, but looks. like that's going to have to be drained. in order to survive, >> which congratulations of building. something up. Certainly behind for your. age, but you've at least showed that. there's the ability to put some aside. >> Yeah. I mean, I know it's bad. I know it. looks. >> income for a driver like that is seeing. about 16 to 17 an hour. And I don't even. know if that's before expenses or after. cuz you have to put in uh you know uh uh. in terms of rotating your tires or even. getting new tires. That comes quicker.

Maintenance has to be more. Got to do. more oil changes. Uh gas is certainly. expensive. And by the way, >> you have to pay self-employment taxes on. those. >> I mean, I'm not going to be doing Door. Dash the whole time. >> How do you pay minimum monthly payments. if you don't even know how much is. coming in? How can you guarantee that. you're able to pay the payments? And now. we're not taking the return. >> I'm looking for another job still. >> looking. You should have been looking. before you left though. >> I was I've long. >> for about 3 months now. >> Okay. Come on. Then you could go at. least another 3 months cuz now you've.

just abandoned everything and now you're. putting yourself in a. >> could with the way the management was. with how bad he was. I rather have a. piece of mind. >> Okay. Go to a different Starbucks. >> I couldn't unfortunately have some more. Why? Yeah. Um because I actually got a. write up and within when you have a. write up, you can't transfer um for like. 6 months to a year depending on. >> Why did you get a write up? >> Um I first time actually ever got a. write up 7 years. But I got a new phone. It had an update system like security.

system. I didn't realize when it does. that if you don't unlock it, the alarm. didn't go off. So I was supposed to be. up at 4:00 a.m. My alarm did not go off. I slept through it. Woke up two hours. late. And with. >> How long does it stay on your record? >> I can't remember. couple years. So. >> for two years of showing up late once. for what would have been a reasonable. manager would have at least understood. >> um because I'm a I was a shift lead and. so with that I delayed the store opening. so that was that yeah so because they. lost money that.

>> and yeah I agreed with the decision. It. it sucked but that was. >> but listen if you're making median 16 to. 17 an hour for the driver in that area. and the livable wage that we're seeing. the livable wage is considered about. $23.86 86 cents an hour in Fort Worth, I'm assuming, out of 40 a week. And who. even knows how many hours a week you're. putting in at your median hourly income. for a driver in that area. >> So I. >> So you owe your parents nothing ever. How long have you lived at home? >> 2 years. >> 2 years. Then what is wrong with you? Then I then honestly everything you just.

said has been completely negated. Listen, $8,000. No, one second. If you. got $8,000 in credit card debt, I can. empathize that from a roommate not. paying a rent. And I understand if the. entire pile was douche for a second. I. can understand that. But if you lived. home for the last 2 years and you didn't. have these high if you didn't have. overhead, then you pay down debt. But. debt's only gone up to 23. So what the. then what the cuz that's even worse. You. just made that even worse worse because. now debt's higher and then other things. >> This is not all medical. I see your.

spending. >> No, but yeah. And you're not going to. just lean on medical. >> And I don't want to hear about medical. cuz obviously I wouldn't call that out. It's the [ __ ]. >> I was paying like $300 to cover for like. >> $300 is nothing when you don't have an. >> overhead. No. Yeah. No. To my parents. for like 300 for like uh insurance and. things and then I was the problem. >> I asked you can afford that when you. live at home and don't have any rent. >> Well, cuz I don't have a job right now. So I asked if I could last two years. though. You did.

>> I mean I was paying them. Yeah, >> then there's no issue. I don't. understand using that as an excuse. Please try to tell me what the [ __ ]. you're talking about. >> Like I did like So at the moment I'm not. paying my parents. Like I was. >> So we know what came in. What was spent? What was spent? Cuz last month I mean. payroll 2,000. Okay. So what was spent? What was spent the month that you knew. you were going to be quitting cuz you. were considering it for about 3 weeks. and then decided on Sunday and then left. on Monday. Go ahead. What was spent? 2,000 came in please. >> Living at home. Living at home with no. overhead. What was spent. >> where we should be focusing on paying. off debt? It was about 2,000 when I.

looked at it. >> Yeah, that's really interesting. It's. about $2,763.38. Exactly. So, what the is wrong with you? That's not medical expenses. That isn't. medical debt. That isn't paying for a. roommate over 2 years ago. >> 500 was matter. Doesn't matter. Then you. cut back on other things. If you had. $500 in medical debt, you don't spend. $500 on going out to eat. That's how. that works. That is how math works. You. live at home. There's no overhead. I bet. they even cover groceries. I. >> mean, yes, but I do also buy my own. groceries. But they do pay for.

groceries. >> Yes. >> Mhm. >> That is unexcusable. You will never be. able to move out again. You shouldn't. even be considering quitting if you are. already spending more than you bring in. when you're bringing in money. >> I don't regret quitting at all. Like I. that's not. >> you should and that's a mistake that you. don't regret. It means you haven't. learned a single thing. However, it's. only been a week and maybe you'll see. the consequences of your actions soon. enough. >> I prioritize my physical mental health. over a job. which I mean 7 years I was. there for seven years. It's now. >> that's the thing you were there for 7.

years you could do another 3 months to. set yourself up for a better position. Guess what? You can't prioritize. physical and mental health when you. don't have uh the income to be able to. pay for physical and mental health. services. >> My physical health like there. >> physical and mental health services cost. money. >> but I was bedwined several times because. I wasn't able to do the job and they. didn't write you up for that. No, but he. was like, "I'll cut back your hours.". And he wasn't. He He never did. Like, this was a conversation we had. repeatedly about things he needed to fix. or things he.

>> was that before or after your write up. >> This was before. >> there. That's when we transferred cuz. you're an adult and you have the ability. to. >> It wasn't that bad until after though. Like, >> okay. Then it sounds like we are. changing our tune and pushing the gold. steadly further. >> It's been a consistent thing with the. job of him progressively getting worse. >> There we go. Then it sounds like we. should have switched. Listen, you have a. bad manager. You switched before the. write up. When was the write up? >> Um, it was probably March. >> This isn't working. You had time. How. long have you had this manager?

>> Since December. >> Mhm. >> And. >> I understand he progressively gotten. worse. But as you start to see signals. and especially if he is telling you that. he is not going to if he tells you he's. going to cut hours for your health and. he doesn't and you specifically told me. that that started to happen before you. got written up. You transfer. That's on. you. >> When you go through seven store. managers, you see progression food. service. >> But you never know how the one can can. start out bad and be great. So you don't.

know until it hits the fan. And. >> dude, this is the most food service. thing I've ever heard. We all know this. Anyone that's ever worked in food. service, I was a Jimmy John for like 3. years. This is this is incredibly. common. This is just this kind of you. have personal responsibility in this. Yes, he was a manager. That sucks. You. had personal responsibility on this. >> Well, it's done. So, >> it's done, but the what your your. response to it. That isn't what needed. to be done a week ago. You could have. put in another 3 months as you looked. for another job. You stuck it out for.

seven years. Listen, >> it just hit a head. I agree. Physical. health and mental health, it does. suppress a lot of things. However, however, when you get to the point where. you are still clearly able to. demonstrate that you were able to do the. job, you worked the hours until you can. get another job because now you are. delaying your life substantially. You. are delaying your ability to move out. You already were by spending more than. you brought in. But. >> I'm not planning on moving out in. >> Yeah, let's live at home forever with. mommy and daddy. Come I mean, until I.

get married. So, I'm totally fine with. >> And we have a fiance. >> No. >> And we have a boyfriend? >> Nope. >> So, we're mommy and daddy's little. failure. It sounds like. >> I mean, my parents are totally fine with. me living the the house, >> right? They're enabling you. >> They're not enabling me. >> They're enabling you. They allowed you. to leave your job and they allowed you. to spend more money than you. >> They allow me to do anything. They can't. >> They allow you to do anything. There it. is. Yes. They can say you can't live. here anymore. >> They can, but they haven't. >> Exactly. Which means they are enabling. you. Listen, I mean, that is what this.

is showing. The fact that they allowed. you to spend $2,750. >> I mean, they don't know what I spend. They're not. >> Well, that's another joke thing. Do they. know how that you have debt? >> Yes. >> Okay. If they know that you have debt, they should uh be encouraging proper. behavior around you getting rid of that. debt in order to live there because they. are subsidizing you at 28. It is not. necessarily bad to live with family. I. am not suggesting that. However, the. circumstance and context around all of. it is what is important. and let's look. at your behavior as you. >> they don't under they don't realize how.

much debt I am like they know I'm in. debt they just don't know how. >> if they were responsible parents they. would have those conversations because. again they are subsidizing your life. >> mean I'm an adult so why would. >> they are subsidizing your life it is not. you and an adult they are subsidizing. your life you're right they shouldn't. know they shouldn't ask if they weren't. literally subsidizing you but because. they are allowing you to live there at. 28 they should have some knowledge so. that they make sure they are not. enabling bad behavior. It is not getting. knowledge so that they can be involved.

in your life, involved in your personal. life so that they they can get in and. control you. It is not that. It is so. that they have some kind of. understanding of at least what they are. supporting. It's a baseline. They should. get a baseline. It's not going through. every purchase, but it's like, "Oh, what. kind of debt do you have?" Oh, okay. Hey, you live here rent free. Let's. focus on paying that off and let's make. sure we're not just. >> paying off. But. >> you you spent $2,750 when you have no. rent, no groceries. >> But they don't know that. They don't. realize how much I've been spending. And. you can't also tell me that you're. trying to cuz you you're not. That's a. literal lie.

>> I've paid a couple of it off. Like not. off, but I've been paying. >> Bro, your debt's only gone up. I don't I. don't give a. >> Well, like that's a lie. >> Portion and then it got went back up. because of other expenses that I made. >> Yes. Going around. And now she's going. to say medical debt. Boohoo. A couple. hundred medical debt that pops up when. you don't have overhead is affordable. that I just paid off. >> When you cut back on [ __ ] though, that doesn't matter is the point.

>> I mean, I like I like coffee. I like. having that stuff. Like, it makes me. feel nice. And. >> you like never moving out and never. being independent. No offense. What? Let's just Let's just talk about the. dating pool. This goes This isn't just a. man looking at a woman cuz this could be. a woman looking at a man, but let's do. the man looking at a woman in this. situation. Who the going to look at you. and be like, "Oh, there's that dead beat. that has never paid off debt, lives at. home, spends more than they make, has. absolutely no career progression or. ambitions." Yes. Let me wife her up. That sounds like someone I want to spend. the rest of my life.

>> Be a trad wife. Like, you know, stay at. home. Could do that. >> No offense. You look the opposite of a. trad wife. You're wearing a [ __ ]. fishnet. >> Yeah, I don't want to be a trad wife. >> Okay. Well, there's also that. So, >> but like, you know, like I wasn't in. debt the whole actually was really good. at finances up until the roommate. situation. >> So, I don't give a why. That means. nothing to me. Your roommate situation. ended two years ago. I You're not going. to go 5 years ago. I don't care. >> Thank you. Because I'm like I was. >> That's why I'm here. There it is. Catchphrase, ladies and gentlemen. She. hit it. >> Because I'm I need help with with how to.

manage it, how to handle it, because. once I got. >> No. What do you think this conversation. is? It's me trying to get your mindset, understand where you are. You don't have. to tell me why you're here. I know why. every single person is here. Not every. single person needs to come on and. announce why they're here. Let me guess. Is this because you need help with your. finances? Oh, who would have thought you. came on financial audit because you. needed help with your finances. Thank. you for announcing it. Why are we having. this conversation? I am trying to. understand your mindset and I am also. trying to teach you why that you being. enabled by your parents is clearly not. helping and you are showing it as a. married.

>> So what do you want me just to move out. and then like with all the debt? >> I'm not saying that it is your behavior. while living there. The fact that they. are supporting it is bad. They should. probably kick you out. If they actually. cared about you, they would kick you out. >> and then I would go back into more debt. >> because you wouldn't change your. behavior. >> No, because I wouldn't be able to afford. with Right now, even with having a job, I wasn't able to afford. >> How many hours a week were you working? >> I was working about 36. I was getting an. average of 2000. >> 36. That's unacceptable. If you can't. afford to live, you're working more.

>> I get nauseous. I will pass out on the. floor. I actually have passed out. before. Um, I get so weak that I can't. >> You were applying for jobs more than. just three months before. If you were. there for seven years and you knew this. was an issue, you have personal. responsibility in this. >> Well, the pots didn't actually start. until. >> when did you start noticing this? >> About 3 years ago. >> Okay. So, you had 3 years to do this. >> and I've been slowly over time, but it. pops. >> last 3 months. Listen, I just relap like. popsy goes into remission. So, I was.

like, "Okay, I'm fine. Never mind. Well, you just told me it goes into remission, >> which means it can come back. >> I didn't know it went into like I didn't. know that was a thing. I thought I had. pots and I was like, "Okay, I think. changing my diet, it went away. It was. great." I had no idea that it could come. back. I didn't know much about. >> I empathize with this, but the fact is. there is personal responsibility on this. that you are not willing to acknowledge. that people are out there probably like. like they'll be like, "Oh, she's a. victim. Oh, look at her.". No, we have to recognize the personal.

responsibility. I can empathize with the. posit thing and that sucks and that. really does suck. We then have to say, okay, this is our situation. Now, what. do we do? Do we give up or do we do. something? What's the do something? If. I'm diagnosed with something, I'm. talking to doctors and I'm reading books. to further understand it. The fact that. you did not know anything about your own. condition, about that simplicity of. relapse and coming back is on you. >> Yeah. And it's because like. >> the fact that you had it for 3 years and. you did not apply for jobs that would. get you off your feet is on you. The.

fact that you had POTS is not on you. That's. >> hard to diagnose. That's why it's. >> But you were diagnosed for 3 years. >> I haven't been officially diagnosed. I. >> When were you officially diagnosed? >> I haven't been officially diagnosed yet. I'm I am going through the process of. seeing doctors. >> How long have you been in the process? >> Since about 3 years. >> Okay. >> Yeah. >> But you're confident to say it's POTS. >> Yes. >> Okay. If you were able to confidently. say it was pots, then then you would. know to get off your feet. It is not. your fault in your responsibility for.

having pots. But it is your fault and. responsibility to then do something. about what your life looks like around. it. >> So I So I quit my job. So now. >> it's a job with nothing lined up because. you decided within 3 weeks when you had. three years. Come on. >> But I already did it. >> Three three years of knowing it. Three. months of looking for a job. three weeks. of knowing you were going to quit and. had nothing lined up. >> It is just triple threes of just. honestly doing this the wrong way and. you were showing this as a very clear.

example. Again, I am not saying you are. bad for having pots. I am not saying you. are bad for wanting to quit. I would. have encouraged it. You are bad for how. you went about this and you are putting. this is a very clear financial audit. example of how not to leave a job. situation when you cannot work at a job. And the fact that you are not willing to. accept that is. >> I mean I know it was a badge but I stand. by it because of everything like I do. not regret it. >> You should cuz you should regret it and. say you would have gone about it in a.

different way. >> I guess we'll find out in a couple weeks. but so far I have not. >> The fact that you don't regret it and. you wouldn't gone about it in a. different way does not line up for. success in the future that you will not. repeat these mistakes again when the. next thing pops up. >> I mean this was the first time I've done. it and it's been seven years. So, I. think that's like the first time I've. ever like just up and quit a job. >> How many jobs do you apply to a Jed? >> Uh, I applied only to a couple a day. There isn't a lot of jobs at the moment.

>> in Fort Worth. Object. >> as far Oh god. >> I mean, >> like as far as like check. >> that I'm qualified for that I can do. >> What are you qualified for? What's your. education? >> I don't I have a GED. I mean, not G, but. I have a high school diploma. >> Good enough. Uh, but you have seven. years in a management position. >> Yes. >> In food service. >> And I've applied previously. I've. applied about 20 different jobs through. LinkedIn and Indeed. And about 20 and. I've heard enough. What. >> are you talking about? >> I've heard none of back. >> No, you should be applying to 20 an hour.

>> to try to hear back. It is a tighter job. market, but traditionally it is still. considered in a normal job market. It is. not 2021 where you could walk in and get. any job in any company. It is back to. where it is. But it's not. If you think. this is bad, you have no idea what a job. market is like during a recession. >> No, I don't. I mean, I I I haven't. applied for a job in seven years. So, I. have no clue. So, >> but again, this is basic basic education. stuff. You can look at job interview. You can look at job interview on. YouTube. >> I have been and they've been.

>> Well, there we go. So, what is the I. didn't apply for a job in seven years. Like, I don't care. I've been You have. so many resources. I've been applying. like I've applied to crowd. >> Now hiring positions are 8,800 on Indeed. for Fort Worth, Texas. There are 64,987. job openings in Fort Worth. Now some of. them are probably ghost. positions. But even still with 64,000. >> I've only ever heard back from two jobs. and they were both MLM job. They were. intro companies and they were ML. Yeah, I got.

>> Well, listen. I mean, that's what. happens when you apply to 20. >> 20. 20 is unacceptable. >> I thought that was like the average of. what you like to I don't know. I. consider that a lot because like. >> why would I give a what you consider? >> Well, I mean, you're saying like that's. ridiculous. But I had no clue. Like it's. 20 jobs. I think. >> You don't think the more you apply to. the better chances you'll hear back? >> And I am I'm continuing to apply, but. >> you've applied to 20. >> Yeah. And I feel like that's quite a bit. to not hear back from anything. No,

>> because back when I first started. applying to things, I did only only five. and I heard back immediately for most. places. >> Yeah, but you're doing food service like. Starbucks. >> I was I was applying all sorts of things. before. >> Okay. Well, you took Starbucks, so. clearly the other ones didn't work out. anyway. >> because it was the highest paying. >> Mhm. And just service industry, which I don't. even know if you can do that. We are. seeing at least indeed 19,000 open. there. >> And a lot of them are service industry. and that's the hard part because the. administrative ones aren't. I don't have. a qualification.

>> This is what you essentially have to. decide. And you can go either way. I. will support you and you can decide what. you want to do. Doesn't mean I think. it's necessarily right. But here's what. you get to decide. I'm a victim forever. Okay. Go get on disability. >> Good. Live at home forever. >> I don't think you can with pots. I don't. think. >> pots I don't even know. >> Yeah. Good. I don't know if that's. >> I don't even know. But you could at. least start seeking out services uh and. give up. Go for it. Live a horrible. life. That's up to you. If that's what. you choose, you're a human. I will. support you. or you decide, okay, I'm. gonna stop complaining and being a whiny.

little and I'm gonna go out there and. actually get out instead of 20 job. applications in the three months that. I've decided I'm gonna look for another. job. >> I don't have a job. I am trying to apply. to more like anything that I can get. into because before I. >> 20. months. so 20 divided by average of what? 28. days. Okay, you've applied to 02 jobs a. day. >> You're doing really well. you're doing. fantastic. You're really just on track. for living the career of a lifetime and.

what you want to do. >> I mean, and now that I don't have a job, I am like being like, "Okay, I really. have the luxury to really pick and. choose." Now, it's been a week. And. also, you have to make at least enough. money to pay your minimum payments and. now blow all your food, but you I mean, you don't budget to save your life. >> Today, I did not today. Yesterday, I did. like a grocery. >> Can I tell you, I do not care. >> I do not care. No. No. I do not care. what you did yesterday. that that was. the day becoming on financial audit if I. was going on the biggest loser where. they lose weight and I started dying it.

a day before they came on statements of. that you had this so. >> why would but why would I want those. statements why I do. >> what I'm saying is I didn't do it. because of financial. >> why lady I don't give a I don't care I. do not want to see what you've done once. you knew you were going to be on the. show where I would call you out I want. to see what you've done right before you. were on the show because that is what. real you actually does. >> if I was going on the dieting and I. started dining a week before I went on. the show. That is not indicative of what. my behavior actually is. >> Well, you're not going to like probably.

what. >> listen what to open this conversation. with and what I have on this note as. well is like which means you pranked me. and you brag to the producers in. separately that oh I applied for a job. at a local city and I hope I get it. That's not how jobs work. I'm glad. you're excited about that but you do not. get to apply for a job and then just. wait and see what happens. You have to. apply to every job ever. I didn't just. stop after that. I've continued. applying, but that was just one I saw. pop up and I was like, "Oh, cool. That's. a neat position. Let me go ahead and. apply to it.". >> So, tell me then, what is your plan.

until you get a job for income? >> The number one YouTube membership just. got upgraded. And for this month only, you can join for free. 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. >> What? >> This was wild. >> Hammer versus internet. 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. Submit proof of. purchase at hammer elite.com and we'll.

reimburse you for the first month with a. $10 digital gift card that can be spent. anywhere in most countries. Sorry, North. Korea. This one isn't for you. Yeah, this is how we have to do a free trial. on here because the platform doesn't. currently offer free trials. >> It's okay. It's worth it. >> Yeah, it is. >> Join Hammer Elite, the best membership. on YouTube today for free. >> Um well, I don't want to do only um. >> Okay, well that's good. >> Yeah, I've had I've had people ask um me.

that and I would like not to do that. I'd like to stick your door. >> People have asked you. >> Yes, I'm a content creator. Um, and so. I've had people. >> You are? >> Yeah. >> Well, we're not plugging your. >> No, but No, but um. >> What content do you create? >> I'm a cosplayer. So I do a lot of. different cos I do a lot of different. cosplays and. >> they've asked you to put out the boobs. >> Oh yeah, absolutely. I. >> You never have? >> No. >> Good. >> I would like not recommend going down. that rabbit hole. It helps that you live.

at home, but again, they aren't enabling. your ability to just spend infinite. amount of money when you don't have it. >> I mean, at least I don't have yet. So. >> Oh my goodness. since see I even they. read that because in their notes which I. didn't review before coming on here cuz. I go in blind they also thought from. their onboarding conversation with you. that your family is enabling you and. they have a specific note in here that. you don't think so the fact that we all. called that out separately that should. say something lady. >> I mean they don't know the extent of. everything so how are they enabling if. they don't know they're not willing to.

find out. >> they just leave how busy are they. >> exactly they're just leaving you alone. letting their daughter fail in life that. is enabling your. >> behavior. I think I think I'm like. >> there's multiple ways to enable bad. behavior, lady. It's not just them. knowing everything that's happening and. allowing it. >> I I feel like I'm the favorite child. So, it's like the others are okay. >> What? >> I'm doing better than the other. I I. feel like. >> you're doing better than the other ones. are literal addicts under a bridge. What. are you talking about? Cuz that's like. the next step. >> I mean, I don't want to throw them under.

the bridge, but yeah, I think I'm doing. better than them. So, wow. How could you. possibly? In no way could you're jobless. in horrible debt. >> I just became jobless though. I had a. job for seven years. That was. >> Sure. But now you're jobless. You You've. lived at home for the last 2 years. Couldn't live on your own. You're. incapable of speaking. How are you the. one that is better off than them? >> My sister still lives at home as well. >> Oh, for sake. Okay. Yeah. Your parents. are not good at this at this part. They. may be nice. They might do a lot of. things. They're certain probably I'm. sure they're great parents in a lot of.

way. They are bad. I mean, she is the. younger sister, but yeah, >> they are bad at. >> converting their kids into adulthood. >> My brother's an adult. >> My brother married and moved out, >> guys. 33% success rate. That's. >> 10 out of three. It's not too bad. >> Could be worse. I mean, it could be. worse. I mean, >> could be worse. Yeah, that means we're. still yet. So, I think it could be. worse. >> Yet, why are you saying yet? >> I don't want to deal with. >> Why the did you say yet? Well, I mean, if I if it gets to the point that I like.

really have to with finances, but I. don't I don't want to do that. >> Stop. >> That's why I'll continue playing. >> Your plan, though. Your plan is to get. married to someone you're not even. dating yet, and that's when you're going. to move out and be okay. >> He has a Yeah, he could be witch. >> Girl, you can't even stand up. >> The dating pool is giving up all the. Starbucks benefits like college being. paid. >> I did. Yes. And I did consider that. Yeah, I was part of ASU, >> which again I would have put you're. already a part of a college.

>> So you were going to school? >> Yes. >> You gave that up cuz that would have. been a much easier way to transition. into a new job field. And of course, I'll gift you a course career. certification to help you get into a. career field of your choice. But. >> yeah, I was in the I mean I just started. last year, so I already knew. >> Great. So 1/4 of the way. That's great. >> And so that's why when I. >> And you could have done summer classes. and you could have sped it up. >> Yeah. And that was the plan until. >> Oh, dude, why? >> The store manager and everything. >> You throw away your life. >> Well, I mean, I'm applying to before I.

left, I was applying to jobs. specifically that had tuition. reimbursement and college education. That way, I could continue without. taking out a debt. That's still my plan. But obviously, >> okay, I got to get into your finances. I'm going to look at your resume by the. end of this convers. Actually, I'll look. in your resume in the post show and I. think I'm going to call your parents and. confront their dumb in the post show. It's very nice paper. Thank you, whoever. printed this on Facebook. >> My dad might be available. >> You interrupted me talking about paper, which was much more interesting to me.

>> What do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the best. >> 0.5. >> If you want your financial score, take. the assessment. It is free. You can take. it at calehammer.com or dollarwise.com. And make sure you sign up for the Dollar. Wise app. If you do not want to be like. a guest who comes on the show, take your. free trial now. Sign up for the annual. version and I'll sign our budget. friendly cookbook and mail it directly. to you. And if you want to take. advantage of all our educational. programs and the premium version of the. the budgeting app, all you have to do is. sign up for Dollarise Central, which. saves you 80% at dollar.com. And don't.

forget, if you want to come on the show, go to caleb.com/apply. Oh, this freedom card's insane and. preventing all ability of freedom for. you. I mean, this is crazy. >> I did not realize the in the interest. goes up on that. I had no clue. >> What do you mean? What do you even mean. by that? >> So, it's now at 28% interest. When I. opened it up, it was at 2%. >> Yeah, it's variable. When rates go up, it goes up. When rates go down, it goes. down. It was probably at 30 and now it's. down. >> It's probably gone down.

>> I had no clue that that was a thing at. all. And cuz I was doing about $300. monthly payments and the interest, I. think, was like at 48 at the time. So, it was going down. >> 48? like $48 like the interest occurring. on things. So, I was paying it down and. then one day I realized that it kept. going up and that's when I realized, oh, it um. >> ask a question. This is out of pure. ignorance and I'm going to look like a. piece of but I need to know what in the. brain. are you just twist your tongue up. It's.

up here. Twist your tongue up to the top. of your mouth. Why do why does why does. the your tongue going like this convert. into W? >> Because the audio sound the exact same. in my head. In my head, I cannot tell. the difference. >> Yeah, but just put your tongue up even. if you can't hear it. >> Yeah, there you go. >> Whoa, she got it on. Guys, I've solved. speech impediment. She literally did it. on. >> say it with certain words, but you miss. it again. >> Oh, >> especially if it's in the middle of a. word. It It goes over. I have no clue. I.

don't hear it. So, >> but you know it exists. So, you just. train it. So, go instead of. >> Trust me, I've spent hours trying to. solve this. If you could fix it, that. would be. >> I just did. I did. You did it. >> But it it comes and goes. It fluctuates. and I have no clue. >> I'm not the only one. I'm just one. >> My other coworker had it for a while. She I mean, she fixed it. Did she sit. down with me? >> She left. But she when she was woke with. us, she had it and they could understand.

this take the payoff if you only do. minimum payments and you don't spend on. it which by the way you're incapable of. not spending. >> It was I think 20 years. >> 23 years. Yeah. So you'll be no. retirement still living with the parents. if they're alive. Hopefully they are. >> Hopefully by that time I have a husband. >> again. Who would pick I'm sorry this. isn't based on your personality. >> I think I'm a catch. Like I cosplay and. stuff and I'm into nerdy stuff. So I. think I'm I think I'm a catch.

Trust me, not all guys look into. finances. Like not all of them are there. with it. You are, but not all guys. I've met some pretty interesting guys. >> It would be out of desperation, would it. not? Like again, is that. >> Yeah, but I'm not I'm not getting. >> not even knowing your finances. You are. careerless living at home. Who's. choosing that to be their. >> I mean I want a career and I'm going to. pursue it as you've done the only. opposites you've left your job that paid. for. >> my mom didn't get a career until she was.

like 45 like yeah about 45 was when she. went back to school. >> So it's a just consistency of failure. throughout the family lineage. Okay. >> Well that was that was dude like to. poverty and other things like them like. they. well my parents grew up like. povertystricken and things and had to. like dig their way out. So it took a. while to get that. >> You didn't. So. >> yeah, I was but I mean. >> so that excuse does not apply. I. >> I mean I grew up with through it but I I. like spending. I just I like Well, like.

I like buying. >> Who is picking a Discord kitten that. does nothing but cosplay, doesn't work, doesn't have a career, has a lot of. people actually a desperate person. I'm. sorry. Listen and and if you if you were. in a better spot just this and this. isn't, you know, about anything. It's. not about hobby. It's about anything. Let's just say you were paying off your. debt. You had a career. You were going. to pay off my debt off. You do not Oh, you're so annoying. >> If you were paying off debt.

>> consistently, you were spending. properly, you had a career, and you. didn't live at home, then yes, I could. see someone wanting to date you. But who. the would date you right now? And for. the last two years, >> the reason why I am, like I said, obviously I'm here cuz I have debt. And. that's part of the reason why like I I. want to eventually when I get married, I. want to be debtree. I want to go into. that. >> You. >> obviously not not anybody probably right. now that I want. So that's why I'm on. the show. >> Great. So not only would no one choose.

you, but you're also picky about it. I. love those. I love those. >> Most people do. >> Well, you don't have standards in your. own life. So, I don't know what you're. talking about. The only thing you have. >> with guy with guys like. >> Well, thank goodness. So, it sounds like. we now have a 0% chance. I mean, I'm. sorry. It's It's just based on your. situation. It's not even based on you. I'm just talking about how you're living. your life. Who would date this on paper? Just the paper. >> I could find somebody that doesn't know. about it. >> When was the last time you had a. boyfriend? >> Uh, I only have only ever had one.

boyfriend. >> Exactly. So, >> that was choice. >> Huh? >> Like I said, out of choice cuz I'm. picky. >> Exactly. Which means this is not. working. Your standards are not working. Your life is not working. None of this. is working. >> They don't know my finances like. >> which is even worse cuz once if someone. actually who met your standard and was. actually into you somehow slipped. through. I would tell him. >> quiet. Let me get my thoughts through. you. If someone just was over your standards.

and you were just under theirs and they. slipped through they slipped through. that small crack and they didn't know. then they saw this they would run. So. even if someone actually accidentally. slipped through they wouldn't stay. >> 20,000 is not that bad of debt. >> It's how you are doing it and not making. any progress except for the last week. before coming on. >> I've seen people with way worse habits. and way worse debt. >> They have something that makes up for. it. They have a career. They have a. house. They're society objectively. attractive. They're, you know, >> I think I'm attractive. I mean,

objectively because the odds, some. people find me attractive. I wouldn't. say I'm society objectively attractive. Come on. Some people are going to find. you attractive. Do you fit that societal. mode? No. Neither of us do. That's okay. We can accept it. We can accept reality. without being offended and being sad. You're incorrect. I'm sorry. This is. just societal, right? It's just like. there's there's objective like we don't. belong on Love Island. doesn't mean. other people don't find us attractive, but we're allowed to I'm so sick of. this. Like there's not particip there's. not participation trophies on objective.

like societal metrics, right? It's like. I'm sorry like the the whole the this. whole ecosystem of people being like, "Oh, you're beautiful no matter what.". It's not helping anything cuz now we're. just telling ourselves that we're. beautiful when no offense, I am. objectively not society attractive. And. we can accept that. There are many. people that find me attractive. There. are many people that find you. attractive. >> But what does that have to do with. anything? >> Because what you are saying is you found. other people that have a lot of debt and. they're still finding people. They have.

something else that is making up for it. >> I mean in the being in the cosplay. industry and uh into pop culture stuff. that that is a big like video game all. stuff that is a big thing. Yeah, you. might get a professional Gooner, but I. doubt that fits your standard cuz your. standards are also here even though they. need to be here if we're being real. Cuz. that's also something very much in the. social zeitgeist today. Everyone's. standards are here, but everyone that. would accept the person whose standards. are here are here.

That is also a reality of what is going. on. I'm sorry to say it. >> I'm not going to lower my standards. >> Of course not. Which is why you've been. single forever. But by choice, >> by standards. Let's talk about a tool. that pulls Thanos snap on your bloated. software stack. High level. If you're juggling a. separate CRM, funnel builder, email. marketing service, text platform, and. appointment scheduler, you're probably. spending hundreds a month and half of. your sanity. Highlevel merges all of.

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you an exclusive 30-day free trial. double than the usual. So if you're fed. up with software chaos, this is your. sign. Jump on high level, consolidate. your toolkit, and watch your monthly. bills shrink. >> because I am cuz I'm not going to settle. for less. I know. >> I agree. Congratulations. Do that. But. the people that would be there will. never want you. >> in this context. >> Well, that like I said, that's why I'm. here. I'm going to I want to pay off my. debt. I want to get better. >> I have a note specifically from your dad. that you are too confident to find.

someone. Great. If father's saying that. father who enables us in every way. whatsoever, >> good. >> I mean, >> we'll talk to him later. >> I'm too confident. Like I just know what. I'm worth. Like. >> this is that that endless endless. parading of telling everyone that they. are so much more than they are. Now your. self worth is so much more than it. literally is. >> Like I'm sorry this sounds so mean. This. I know this sounds so mean and so many. people are going to take this wrong but. honestly those type of pearl clutches we. don't want in this audience because fun.

fact we only do real world and we're not. [ __ ] here. So listen the reality is. all that coddling puts you where you. think you are so much more and this. happens in employments as well. Everyone. at every job ever thinks they are so. much more worth it and so much more. impactful at their job than they. actually are. Listen, this is what. happens and improve. I know that. everyone including myself because we are. egotistical beings think we are always. so much more than we actually are.

That's it. Listen, if the show went off. the platform, you know, a part of me. thinks like, oh, people would be sad. I'm sure a couple people would be for a. couple weeks and then people would move. on in a week. We are not worth what we. think we are. So if you're overconfident. as well, does that mean you also like. >> Yes, it can make me harder to do things. because if I set my if I set my standard. here where reality is here, yes, I all. of a sudden would never find it. That is. reality. >> And I'm not saying you're a bad person. I'm really not. And I know this is a.

long tangent. I'm really not. And I'm. not saying you're an ugly person either. I'm not saying that. There are. >> I know it sounds like it. No, there is. the objective societal like, oh that. person'sing hot, right? And that person. gets a little more flexibility in how. they're living life. >> Objective like society standards. >> Oh my gosh. Are you. >> Because you have western society, you. also have. >> You're right. A console doesn't sit down. and decide, but we all are able to. recognize it, right? >> Because what is like popular in Western. society like standards like. >> Okay, so you're going to get an Indian.

prince. >> I mean, that would be awesome. I. wouldn't mind that. >> Sure. Go move to India. That'll solve. all your problems. >> They love white ladies there. >> I mean, I travel enough. I could. >> Good, dude. Listen, ladies and. gentlemen, the catch is over her credit. limit by $22 on this car. >> That was cuz the interest hit. >> You better come get her. >> The Yeah, the interest hit. And. >> that's what happened. >> The moment I got paid, I paid that down. >> Listen, guess what? That's what happens. when you spend $331 on a max out card,

you dumb tick. >> I didn't spend it was the. >> No, no, no. Purchases $331. What do you. think purchases are? Um, uh, do you. think when there's an interest column, which there is, and a purchases column. that they're different? Cuz fun fact, they are. You jump. >> On my statement though, it says $300 for. the interest. on your statement. It also. says the Hamilton Theater, Door Dash and. Crackle Barrel, Legends Sports Bar, Waterburger, Door Dash and Mallister,

Door Dash and Crackle Barrel, uh Dutch. Bros. Nothing Bun Kinks, Door Dash and. Panera Bread. That's not interest. >> But it wasn't enough with that. >> Like it wasn't. >> Oh, you are. You're going to ruin me. It. doesn't. >> Are you actually I'm so Oh my gosh. I'm. so sorry. Lindsay, may I draw? Cuz. apparently we have to go back to. elementary school real quick. Ladies, the catch of a lifetime. She's waiting. for you. Come get her. Good death. She.

doesn't understand basic things. Here's. a credit card balance. Wa. You're here. You're here. You're here. Oh my. goodness. It's It's pretty close. And. you know interest is going to get Wait. Oh my gosh. Can you please Shut the up. There's this much to spend. There's this. much to spend. That's exciting. If. interest is going to hit Oh, I'm going. to spend up to here. Oh [ __ ] Now. interest is going to hit, but we're at. our credit card limit. What do you. think's going to happen? It's going to. go above. It's going to go above.

>> But otherwise, it'd be $300 of interest. Like, that's a lot. >> Oh, we don't know how math works, too. Yeah. Let's continue to go back to. elementary school, shall we? >> Calculating and budgeting. >> Death. Let's start a budget payment on. the show. Shut the [ __ ] up. >> That means nothing. $1,500 basically in. interest this year so far. Shut the up. I'm glad we have that guys. We don't. have a job. We don't drive enough in. Door Dash. But we're going to order Door. Dash every 5 seconds of our life. You. >> to be fair, those time the times, not.

all the times, but the times I did order. Door Dash like it was when I had a. really bad flare up and I pretty much. can't get out of bed. >> It looks like you get a bad flare up. every 5 seconds. So, it looks like you. better just. >> lately it's been. >> It looks like you better just give up. It looks just give up. >> Give up and die. >> I mean, tell me the alternative because. that is what your excuse is. That is. what you are telling me. I'm not telling. you to do that. But you're saying I have. to go spend money I don't have because a. flare up is happening. And you also, by. the way, live with what? >> You also live with your parents by the.

way. They could have made you a. sandwich. Shut up. >> They were at work. >> You could have gone a kitchen, made a. sandwich. >> I can like bail. Like I said, like I. will pass out. >> But you can get up and pick up the door. dash from the front door. >> Yeah, pretty much. >> And you can open the fridge and do this. But like standing up for too long, like. if I sit up more than a few minutes, >> the fridge is the same distance. An. apple. >> We don't have apples. >> Then buy apples, you actual creature. >> I try not to do like anything with a lot. of sugar or carbs. So I try to do like.

more meat-based diet. for the health reasons cuz. >> yes, keto was going so well. >> It was until I got off keto and then I'm. trying to get back on. >> I mean, I. >> it's just a lot. Like I'm doing my best. again. Like that's why I'm here because. I want to. >> You don't you've if this is considered. your best. >> walk with what I guess with what I have. like what I what I know and I'm trying. to figure out how to do my financial you. have the ability to Google things, chat. GPT things, Grock things, whatever the.

you want to use. Exactly. I'm giving a. thousand examples showing you that there. are resources that you can literally. type something in and it will tell you. I mean, that's part of the reason why. I'm here because I want the budgeting. up. And. >> this is so much more work than you. typing something into Google. >> It's an investment. I get budgeting up. and I get the financial. >> getting money from this. What are you. talking about? We pay for people's. travel and everything. >> I actually did not know that until. >> Congratulations. That was that was kind. of nice. But like I wanted the financial. courses, so I figured I. >> Yes, you get everything. You get all the. programs. You get the Yeah. Yeah. Yeah.

Listen, they get dollar wise central at. a major discount at dollar wise.com. You. get it for free. Yes. Yes. Yes. Thank. you. Thank you. I appreciate that. >> So, that's going to help like that will. help me try to. >> Yes, it will if you actually do it, but. let me guess something's going to flare. up as you're taking the class. >> I mean, no. I'm like I'm doing my I'm. trying to manage it with you. >> Listen, if you can't walk up and grab. something that you if you know flare-ups. happen, you prep an emergency stash in. the fridge that you only pick when you.

get it. Yeah. >> You think you're catch the only thing. you catch is a Door Dash order. That's. all you get, man. >> It is easier. >> Sure, it's easier. >> And I wish you had an official. diagnosis. >> No, that's what I'm trying to the. >> What would it change? What would it have. changed if you did? >> Um, >> other than me just fully acknowledging. that honestly because I don't know a. whole lot because there's no cure for. it. So, I had friends that say to get it. because it could, like I said, you could. do accommodations for work. Like, there.

could be. >> treatment. Is that what you're saying? >> There's no cure. There's no treat. There's really no treatment or cure for. >> Well, even things that don't have cures, many things at least have management. treatments. >> Yeah. And um diet is a big one. And so, that's what I've been like focusing a. lot on my diet is cutting out. >> Interesting from those uh statements I. literally just read. >> I'm eating more meat-based things. I'm. not doing like processed food and stuff. like I mean lately I have been because. I've just been busy but. >> yeah she literally got Panera bread. >> That was when I was really sick. Yeah.

Like it's like lowfied hospital food and. it's comfort. So when I was really sick. I got that. >> Okay. So you're a literal excuses for. everything person and can never actually. commit to anything ever in your entire. life. I can commit. >> very clearly not cuz the moment you say. you want to do something I'm like oh but. wait what about this and you're like oh. yeah this happened you will always. excuse yourself out of something that is. how you live. >> like it's not excuses it's just what. happened like you asked me a question so. I'm telling you what had happened like.

what I guess. like the reasoning behind it. >> I mean again. they know everything about your life the. producers and they just they're just. telling me I mean this card has spent. $10,000 maxed out. Maxed out, guys. Was. it Was it a medical debt? Was it an. emergency that popped up? Oh, it was the. emergency of $7,000 to go to Scotland at. the beginning of theing year. >> I didn't spend $7,000. >> What did you spend? >> I mean, things probably accumulated, but.

I I didn't spend $7,000. >> Max out since then. What a joke. I mean, this is. >> Well, I probably had like $2,000 before, like before hitting the limit, so it. wasn't like a total of. Like I didn't spend $7,000 on just. Scotland. Like it's probably a couple of. views of things. >> and Scotland's necessary for survival. that that cures pots. >> It was a fun trip. I like you. >> I want to live in empathy if I had. anyway. Honestly,

>> experiences in life and live and things. and stuff. Not everything is about. money. And. >> not everything is about money, but. you're able to do the experiences with. money. So you have to sacrifice in order. to get the money in order to do the. experiences. Now you're not able to do. any experiences like the experience of. moving out and being an actual adult. You're not able to experience life. because you are refusing to make any. compromises in life. You will not enjoy. the experience of having a husband. because no one in their right mind. unless they're a desperate gooner who. you wouldn't settle with by the way and. you shouldn't would get with you. So. good luck experiencing that. Good luck. experiencing having an independence of. any kind. Good luck experiencing being.

deafree. Good luck. My opinion. >> My opinion. I would bas. >> because you you think that doesn't mean. >> What do you mean I think that? I'm. basing it off the fact that you've only. had one relationship ever. >> Because it's my choice. >> Not your choice. The people that you. would would pick are not picking you. >> No, I haven't met anybody that I've. wanted. >> Cuz they're not meeting you. You think. it's only on you. You're rejecting. people. Right. >> Yeah. >> Right. Meaning that there are people. coming. Those that would those that. would be interested in you, you're not.

interested in. Those that you are. interested aren't going to you. It is. not working. >> Anybody that I'm interested in to. pursue. I haven't found anybody that. >> cuz they're not coming to Does she not. understand this? Is does she not. actually understand this? >> Why would they not be. >> Why would they swipe on you? Why would. they come on dating apps? >> Why would they approach you? Why would. anything happen? Where do you think you are in this. world? You think you are here? Everyone. thinks we're here. We're not, guys. All. of us were down here.

We're just people. It doesn't matter. We're not the I don't know. >> I mean, I'll find somebody. It just. >> I hope you do. I hope you do. >> Now that he's dead. I mean, that could. be a possibility. Like my future husband just not around. >> Yeah, let's use that excuse when we're. alone and dying at 80. Your future. >> At least I would have like traveled and. seen the world. >> That's the thing. You won't cuz how are. you going to be able to afford this? You. put this on a credit card when there was. $2,000 on it. I was maxed out, you. wouldn't be able to put another trip on. here. So, you're not experiencing more.

trips because you're refusing to make. the sacrifices necessary that put you in. a position where you're able to travel. more. That's what I'm saying. >> When they plan like trips and stuff like. I just I don't want to miss out on it. because when my friends are going and. just I'm like, well, I can pay it off. later. >> It's been 6 months. You did not. >> And well, normally it's been six months. You did not. >> Before I normally, it's been six months. and you did not. >> I was able to pay off a huge amount. >> It's been six months and you did not. >> It's been six months. It's been 6 months. and you've been not It's been 3 months. and you have not. >> It's only gone up. It's over maxed out.

It's over the limit by $200. >> The interest. >> No, because you're still spending on it. You dumb absolute. >> Look at that. >> Are you actually kidding me? You're Door. Dashing 50,000 seconds a day. >> I'm only Door Dash like twice. >> Incorrect. I read it what, five times. and then there's still restaurant. spending without Door Dash. Come on, dude. This is soing stupid. >> Like I don't I don't even know. And I'm. sure you're spending a ton of money on. this cosplay stuff, too, right? What do. you think you're spending on that? Unemployed. >> I mean, I'm not I'm employed, so I.

>> How much do you think you're spending on. that unemployed? >> I haven't spent. >> How much do you think you're spending on. that? >> Unemployed. I haven't seen. >> How much do you think you're spending on. that? >> I don't know. It's uh. >> You don't know how much you spend. You. go and swipe and you do. You have no. concept. >> Current cosplay. No, I I know the. current cosplay I'm working on. No. >> What are you currently working on? Um, doing the Winter Soldier from a Marvel. >> Yes. >> I started. >> You totally look like Bucky. >> I do a Gingerb Bucky with wig and. everything.

>> Oh, that is 2025 Marvel. So, >> I mean, I I did it like when it first. came out and I really liked it. So, I'm. re revamping it basically. >> You made money off of it? >> No, I do it for as a hobby. >> Unemployed. Great. I mean, I get like. brands reaching out and we do like they. give me things and stuff and I do that, but not like. >> plushy. boooo. >> I got a lightsaber. I've got a. lightsaber. Trying to remember what else. I got. I've got a couple different. things. So, I like it's fun. I get. experiences and I get to meet friends. and go to con. So, I really enjoy it.

>> Guys, she's I'm sorry. Like, what? Good. luck. Good luck. I'm sorry. Just what? Good luck, dude. I don't know. It's. based off this conversation. Is there. hope here? I like having at least a. little bit of hope as we continue, but. gooding luck. >> I mean, I'm not like, >> well, there's a discover part here. You. not congratulations. You live in. ignorance. >> Before I, like I said, before I went. into debt, I was really good with. finances. So, I know I don't give a. >> I just need to like. >> I need a direction. I need to like help.

>> I don't care. Brandon back there, you. know, the translator Brandon who comes. in and he's a part of our Hammer Elite. membership. He He got suspended a lot. when he was in middle school. I don't judge him for that cuz it's not. middle school anymore. I judge him for. today. I don't judge when you were good with. finances if you're bad with them today. I don't give a. >> This isn't Twitter or Tik Tok that. punishes someone for what they did 15. years ago. We don't care about that in.

the real world. We're not weirdos again. like. >> Sure you can, but you're not. >> I will. >> And Brandon could go get suspended. again. >> He could. Anything could happen. I'm not. preemptively firing him for that. I'm. not preemptively saying, "Oh, good job. You're good with money because you might. be in the future again." Like, that. means nothing unless you actually do it. And you're not doing it. So, I uh uh. don't give a. >> at all. Because that's why again like. that's why I'm here because I.

>> shut the up. That's why I'm here. I. don't care. >> I want to like get better with my. finances. I want to know more and. understand more. That's why you know. So. I've came to you the financial audit. >> And why do you think we're having the. conversation? Why do you think I'm. calling you out on this? What do you. think I'm doing? You think I'm just. talking to talk? I am calling this out. so that you can understand what I'm. saying. I'm pushing back on this so that. you hopefully have a moment of. realization that you're being a dumb. with your money.

>> I don't think I'm being that bad. I. mean, >> okay. And that's why she's here to not. listen apparently cuz she's discover. >> I can't tell you much about that one. I. don't use that one as much, but. obviously it's it's still I think maxed. out close to it. Discover. $5,8150. Yes, it is almost maxed out. Credit. score. No one surprised.

Minimum monthly payment $116. 20 years to pay off. You'll be a totally. married 48-year-old by then. >> I'd like it to be low. I mean, I'm going. to start making more payments than just. the monthly payment. But. >> good guys, everything's in the future. Of course, nothing that she's doing. right now. me right now as I'm sitting. here like. >> Yeah, but you could have. >> Right as I'm sitting here, pull up my. phone. >> You know what you're saying, right? You. know what you're saying with this? >> Do you know what you're Please tell me.

I would like to see if you're able to do. a little bit of mental exercise. What. are you doing when you say that? >> When I say what? >> Are you going to pay off more of this in. the future? >> Yeah. >> What are you saying? What are you doing. when you say that in this conversation? Let's see if you're able to get there. You able to figure this out? >> I mean, obviously I don't right now. >> No. What are you saying? What are you. doing when you say that? >> That I'm going to pay it off. >> Yeah. What are you doing. >> like change- wise? >> No. What are you doing in this. conversation when you say that? >> I don't know. What am I doing? >> You're deflecting like mad. Any amount. of push back I give you, you say, "Well,

I'm going to change it in the future.". That means nothing. That is a deflection. that is pushing off. Instead of actually. recognizing what you are doing that is. wrong and just accepting it and that you. need to change, you just instead when. someone says something about what you're. doing wrong, you say, "I will change it. in the future." It is the boyfriend. another girlfriend who never changes. their behavior. Shut the up. >> We'll do better. Is that what we mean? >> That means nothing. Well, no, because. you just said it after I called this. out. Listen, your language is endless. deflection. It is, "Oh, I'm going to.

stop your push back by me saying, "Oh, I'm going to change it. Everything's. going to be good." No, it's not. Look at. your history. Look at where you are. There is not a single indication of. behavior that would suggest things are. going to get better. I hope they do, and. I hope you take this conversation and. use it. Many guests do. Many guests use. this conversation to make their life. better and they prove it on the. Financial Autofollow channel. But. there's also many guests who come on the. Financial Autofollow channel and they. don't change their behavior. They get. worse even though they said they would. out of deflection. I hope you're one. that changes.

>> I really get a whole lot of roles cuz I. can't open more credit accounts and I. can't um spend more. So, >> trust me, there's debt you can take out, but I'm not going to help you know what. kind to take out. Oh, good. Spending on. here, too. Yeah, let's let's spend on. here. Well, $9583 of interest is. occurring. We're only making the minimum. payments. Kendall, go to library. You. live in Fort Worth. I know there's. libraries and Google one. That's okay. You can have it, but put it on debit. Why are you occurring interest and. paying a 22.24% fee on your Google? >> I actually realized that was on my. discover. >> Great. Yeah. Why would we look at our.

statements? You literally just told me. you started budgeting. You would know. that this is happening. So, >> started budgeting yesterday. So, I'm. still going through things. >> Nothing you say has any weight at all. >> I was waiting to July 1st to hit so. everything would start new. So I could. see it and budget properly if that. makes. >> Oh, good. You also went to Europe last. year. >> Yes. >> What a joke. You don't care about your. life. You care about the quick dopamines. you get and the fun and little. experiences. You don't care about the. future of your life. You care about the. now. >> I mean, just live a little like.

>> Yeah. The now that exactly that's. >> I mean there's not I'm not always going. to be able to take that trip. So yeah, you don't know what the future holds. My. my friend. >> What are you saying? Well, my friends. moved to Europe and so we were able to. stay with her. So, like financially it. was actually I spent not a whole lot. because I was staying with her. >> You still spent money. >> Yeah. But. >> you had to get the flight. You spent. money. It doesn't matter if it was less. It was money you don't have. >> I paid most of that. >> You live at home as a 28-year-old. failure. >> Exactly though. I lived at home failure. without a job.

>> So I could just go and like I went to. Europe. >> 19 days in Europe on credit cards is. madness. I spent most of it actually. like with actual money, not. >> Oh, good. Money that could have gone to. paying off debt. You are a 28-year-old. living at home to go see. >> jobless. I don't care if you saw a. cathedral. That means nothing to me. And. I will never give a single. >> I went to like I will never give a. single. You can keep talking and I will. not give a single. >> This means nothing and I will. acknowledge it. I don't care. I don't.

care what you visited in Europe. I don't. give a Doesn't matter. I don't give a. Doesn't matter. I don't care. I still. continue not to care. You keep talking. I really don't give. >> Have you gone out of the country? >> Yes, I've gone to Italy, France, Germany, and Austria. It was great. Would I destroy my life for it and live. at home as a 30-year-old failure without. a job? No. >> And I don't regret any of it because. like. >> of course not because you're incapable. of recognizing any of your flaws because. you are the best catch that's ever. existed in this entire world. >> Therapist thinks I'm doing pretty well. in life. >> Then you have a bad enabling therapist.

>> No, I think she's doing well. >> This is this generation. You've been. enabled through TikTok. You've been. enabled to your therapist. and you think. you're all that, you're nothing, you're. a fail, you're a joke, you're. disgusting. Creating content every week. takes a lot between scripting, filming, editing, refilming because I blinked. weird. Honestly, sometimes I wonder if I. should have just started a faceless. channel about budgeting with stick. figures. But for any of you aspiring. creators or burntout veterans, you need. to check out Invido AI. It lets you. create studio quality videos with your.

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>> I'm also seeing the words and heard them. what you said the last hour and 7. minutes of my miserable life right now. >> Hour and seven minutes doesn't really. tell you a whole lot about people. though. >> It actually does when it comes to a. conversation about your life. >> Well, about finances, not about my life. >> No, we're talking about your life and. what you've done. >> We don't know everything in depth. Like. you don't know all of. there's nothing here that's been a good. sign. Doesn't mean it's been a bad sign. >> It's all been bad signs. What are you. talking about? Are you actually Are you. This This makes no sense. I feel like.

you just living a home has allowed you. to just be insane with your money. Just. reckless, just throwing your money away. You are nothing. For all of us here who. actually do jobs and contribute to this. world and live alone and pay property. taxes, we are all going to have to pay. more taxes at the end of our lives to. take care of failures like you. I mean, I paid taxes. So, >> you don't make money. There's no taxes. to be paid. >> Well, I mean, when I had a job, I was. paying taxes. I'm. >> Girl, you got I promise you. I promise. you, you contributed significantly.

nothing. >> How? >> Well, the top 50% of earners in this. country pay 98% of all income taxes. You. were not in the top 50% of earning. You. contributed nothing. >> Like, I still pay taxes like everybody. else. We all pay taxes. You probably. don't. You're not in that. paid like a. few hundred of taxes. >> Couple thousand. >> Yeah, a couple thousand. And you also. probably got a refund as well. >> This year I did because of being in. school. So that that's really nice. >> Probably use that tax refund and go to.

Europe. >> Actually, I use it to pay off a portion. of the credit card. >> and then we spend it all the way back up. cuz they're all maxed out. So I don't. give a that means nothing. And I'm. sorry. It's it's not even a political. thing. That's not even a I know it. probably sounds a little rightwing. It's. not. That's honestly pretty objective. If people areing leeching and we already. know where most of the tax revenue comes. from. We know that we all who out there. are working are going to have to pay for. people like this who refuse to do. anything their entire life. >> How are you going to pay for me though? >> Cuz I will tell you. Would you like the. example? Congratulations. Social.

Security right now, it doesn't make. money. All the money that goes in. immediately gets paid out because it was. denied in the 1990s to be invested in. the overall market. Instead, it was put. in the low government bonds. because of. that it never keeps up with inflation. meaning it was a service or you know a. program that is not able to actually. keep up and they tap money from it. So. because of that there's not enough money. and because of that we have to continue. pushing retirement age and by the time. that we are in retirement social. security is not going to be able to. sustain itself. It already takes up a. massive percent of the federal budget.

It is not going to be able to sustain. itself especially where we are with debt. to income or debt to GDP ratio in this. country. Good luck by the time we are 60. or 70 social security being around. Okay. So what happens when you have. sacrificed nothing? You've gone a year. forever and ever instead of putting any. money aside for retirement. You have a. little bit but certainly well behind. You could have been saving money for. retirement. You won't have money. And. then all of a sudden we're going to see. a picture of you in a grocery store. working. And there's going to be a. Facebook post that goes viral. It's. going to be, oh, she shouldn't have to. work. Shut up. I'm going to get my point.

done. Your 401k is dramatically. underfunded. It could be funded more, but you're going to Europe instead. And. there's going to be an old picture of. her on Facebook. She's going to be. working at 80 being a store clerk and. everyone's going to be like shutting up. Can you mute her mic? She will not stop. interrupting me with her dumb. Oh, she's. so obnoxious. She We'll see that video. Someone's going to post, "Oh, she. shouldn't have to work at 80." And you. know what? I kind of agree. But little. did we know her entire life she decided. to go to Europe instead of actually. preparing herself for retirement. And.

then we're going to have to pay more in. taxes to fund you. And it was all your. fault. Your mic's muted. Go ahead and. talk. It doesn't matter. It won't be. picked up. So, it's an absolute joke. It's an absolute joke. And the rest of. us, we don't get to live the lives that. we sacrifice for because ofing. degenerates like you. >> How do you know I'll live to 80 though? >> I hope you don't. >> It's kind of me. >> Sorry. I'm worked up. I'm worked up. because it it is people like you that. bring down the rest of society. I'm. sorry. It really is. And I hope we can. take this as a moment to change your.

life around so that you are a productive. member and that you build the rest of. the community up with the rest of us. But right now, you are nothing but a. leech. Now, don't get me wrong. If your. illness gets to a point where you. literally cannot work, that is where I. want us to support you because that was. not your choice. That was not your. choice. You know, let's say you're. perfectly healthy in terms of the. lifestyle choices you make and. everything gets to a point where you're. incapable of working. I want us all as a. collective society to come in and make. sure you can live a good middle class. life because you did not choose to have.

that disease. Okay? But if your. lifestyle decisions make your disease. worse, that is on you. >> Well, that's why like I am traveling and. seeing things because I don't know what. the future's going to hold. I don't know. if it's going to get worse. So, >> it's nothing. If the future if the. future gets worse and you die, you won't. know that you sacrificed to save up for. a better future anyway. It doesn't. matter. >> No, that's why I want to travel and see. the world. No, that just completely went. against what? Were you in Are you Do you. not listen? I'm just saying if you die. tomorrow, >> I would die happy knowing that I won't.

be happy cuz no one dies happy cuz. you're dead. You're dead. You're dead. You won't know. It doesn't matter that. you went on vacation. You're dead. It. also wouldn't have mattered that you. sacrificed for the statistical. likelihood that you will live a longer. life. >> It doesn't matter. There is a. statistical likelihood that you will. live a longer life. So go ahead and take. the sacrifices now to live that longer, better life where you can go to Europe. every single year because you. sacrificed. when I'm old and like 80. >> I'm not saying that. I'm not saying. that. You can probably start going. through your 40s as well. You can. probably take a few trips through your. 30s as well every single year like you. do twice a year now. Oh, good. You're.

taking Are you planning another European. trip already? Good. Good. That's. fantastic. UK. >> I'm so thrilled. >> There's a difference. >> Well, it's not in the European Union. It's in the year. It's in Europe still. >> Scotland. >> Not the mainland continent. Is still in. fact Europe. >> Consider UK. >> Huh? >> Scotland. The UK is not a continent. >> Europe is in general like. >> you think because they left the European. Union they [ __ ] left the continent. They're an island.

>> I mean they always consider themselves. UK like they was very specific about. that when you go there that they United. Kingdom and not Europe. So. >> oh my. >> especially Scotland's. >> Scotland does not like. >> to be part of like Britain and all that. So don't consider it. Oh, >> do you think the Florida Keys are a part. of North America? >> Yes. >> Are the islands off of Alaska? >> I mean, though North America, Alaska,

unless Russia bought them back, >> then that would change it to being a. part of Asia if Russia bought them. >> I mean, if it was Russia, probably. >> Russia's also in Europe. Does that mean. they would be in Europe? >> Russia is considered part of Asia. >> and Europe. It's in both. >> Oh, yeah. Cuz it's half. Yeah. Oh my. gosh, she's she's an idiot. Oh, ladies. and gentlemen, the catch of the century. >> That part with aspect that side of. considered Asia, not. >> That's why I said it'd be. >> that part.

>> That's why I said it'd be part of Asia. >> She's a bor. >> Either way, yeah. >> What am I dealing with? >> I mean, you only live once. So, >> shut the [ __ ] up. That means nothing. If. you only live once, you won't know that. you sacrifice cuz you're dead. It. doesn't. >> Exactly. So. >> vote for the statistical likelihood that. you're going to survive. So go ahead and. sacrifice for the survival instead of. blowing everything now and then. surviving with. >> you're not going to be able to go to. Europe as much as you want in the future.

because you won't have the finances to. do so. You are preventing yourself. >> You probably won't want to travel a. whole lot. >> I hate her. You don't know. Old people. travel all the time. You are so. >> It's better to travel when you're young. though cuz you're young. >> You'll be young in your 30s. You'll be. young in your 40s though. You'll be. young in your 30s. You'll be young in. your 40s. >> Well, I mean like I'm thinking of like. 50 and 60. >> What do you think your body breaks at. 50? Yeah, sure. If you're starting mid. to upper 60s, that's where it starts to. maybe start getting a little especially. if you're not living a healthy.

lifestyle. Absolutely. But listen, that's I don't evening know at a 22%. interest rate. This is just what a. pointless conversation I'm starting to. realize. You're gone. You're just You're. gone. You're gone. >> I think I'm doing pretty well. >> Huh? >> I think I'm doing pretty well. >> There's no point in continuing this. conversation. No, there is no point. >> If you after all this still think you're. doing pretty well, then you're a [ __ ]. that's never going to survive. >> I think I'm doing pretty well like.

maintaining like I don't know. You said. I'm a [ __ ] I'm like no. >> You're jobless. You live at home. You. can't find anyone. >> For a week. So. >> jobless. that that's jobless. >> But I'm not it's not going to stay that. way. I'm in between jobs. >> You've applied to 20 jobs in three. months. >> Oh, so now that I know that's not. enough, so I'll go home and continue. applying to jobs. >> Oh, guys, if you have any children out there like. this, ladies and gentlemen, good luck. >> I wish the best.

>> Shut the shut the up. >> Uh, all right. Here's your 401k. which is a little earlier than normal in. the document order but um. uh 20,000 again uh certainly behind. forward we want you by approximately 30. but again it is showing that you have. the skills to. >> yeah I started that like three four. years ago so. >> why is this so early in this document. order. >> cuz I have a plan with it see like that.

was the thing is I'm coming on because I. you know want to use your your app and. the financial stuff But so my idea is to. liquidate the 401k since I already quit. my job. Look, so to look at the 401k, I. can start a clean slate, get rid of the. bad debt, start over, fresh, and then. when I get another job, I can go and add. to it. I can double up what I was doing. before, and I can actually save. Look, it's really it's it's not a bad.

idea. Like I can I can then double up on. it. Look, like Lindsay, can I have the. whiteboard? Like, look, I'm just going to I'm going. to show you like so you can understand. >> Who the do you think you are? >> So, this is my 401k. Let's see. This is like. the debt. Okay. And so, if I take it, distribute the 401k, get rid of the bad. debt, which is like the credit cards, I. can start fresh and I can actually start.

>> First of all, you have $24,000 of debt. This 401k is 20,000. So the the the. bubbles around. >> well 6,000 is the call. Um. >> yeah, that's a depreciating asset that. you have leverage on. >> Yes. So I'm like I'll be paying that. still. But um so I'll be taking I would. be spending about 15,000 for the debt. and then I'll take the rest to put aside. for I can use it for the penalty and. then the tax I'll have at the end. >> Yes. Because you'll have to pay your. >> penalty my penalty and then added to. >> the penalty 10% and then your income tax.

bracket. Yes. Of which based on your. last year of filing. >> Yes. And which I have already been taken. out having taken out extra. I had it. >> Right. So this 20,000 will turn into. what? 14. >> Yeah. About. So. >> right. So 14,000 going to $24,000. >> and so I can pay off my credit card. debt. So start a new. >> Would you take out right now to pay off. your debt a 20%. debt? >> What do you mean? >> Would you take out a 20% debt to. consolidate all your debt?

>> Well, I wouldn't. >> would you take out Shut up and answer. mying question. >> I wouldn't be going into. >> Lady answer my question. >> I wouldn't be going into debt with a. 401k though. I'd be liquidating it. >> Actually, shut the up and answer my. question. You are so obnoxious. You have. no idea. You're a a creature. I like I. don't know what your parents need to be. put down so they do not breed again. >> This is insane. I don't know how you. exist and you're the best child. Gooding. luck to them. >> I think I am. >> Yeah. You thinking you think the UK.

isn't in Europe. So. >> I mean they did get rid of the thing. >> The Union theing border of the European. Union does not determine continents. Would you take out a 20% debt right now. to pay off your debt? >> So, it' be gaining 20. >> I'm asking a question. >> I understand the question. So, it be. >> This is the most simple question. Would. you take out a 20% debt to pay off your. debt?

>> And then I'll be in 20% debt after that. Yeah, I think so. Like, math is a bit hard. >> Lindsay, please help. >> She's I can't. >> shut the up with your whiteboard. Get. away from me with youring whiteboard. >> I thought you wanted it. I thought you. wanted it. >> This is your debt and here's a debt that. you can pay off. This is 20%. Would you. do it? >> Yes. >> I think it's a good decision. What What.

else would you. >> I'd pay off the debt. I'd sacrifice and. not spend money on fast food and Door. Dash. You actual. >> insult. Since I left Starbucks, does Can. I still It's been a week. Can I Can I. keep the 401kating it? Yes, >> cuz I knew that there was a thing with. that, too. >> Yes. Could also roll it over, >> roll it over to an IRA. >> Oh, okay. So, you wouldn't recommend me doing. that? >> Cuz it's like taking out a 20% debt cuz. you're going to lose 20% 10% for. penalties and then probably about 10%.

for your taxes. Okay. That's like taking. on a 20% debt. Also, this $20,000 that's. in there. >> You creature. Please. cuz I don't I honestly the. quicker I can get away from hearing your. voice the better. You've annoyed me more. than. um I thought I would being annoyed on. the show by 59 and a half when you could. take you can pull this out tax advantage. that $20,000 if it was then 10%. returning thing which is the historical. up and downs combined the S&P 500 would.

be worth four $438,000. So you're going to lose $48,000 by. pulling it out. >> But then I'd be able to stop flashing. and kill you. Cuz if you start fresh. without changing your behavior, you're. going to go into all this debt again, but you won't have. >> I will change my behavior. We'll see you. on the follow-up show. >> On the You can talk to me on the. follow-up show.

>> Stop. Who says I'm going to invite you? >> Thought everybody was invited. >> No. >> What if I do get better and then you. don't invite me, though? >> I'll still shun you. Because I took out of my 41k. >> We have a rule. No dumb on the follow-up. channel. >> Isn't that half of the people on you? >> No, it's you. >> You made a mess at the desk. >> Shut the up. >> I'll fix it for you. >> Probably more productive than you've. been at your seven years at Starbucks. >> Actually was really good at the drug. >> I I was really good. That's why they. >> I walked into that one. >> Wouldn't let me transfer.

synchrony card. Yay. Yippee. Looks like. this is your care credit. >> Yeah, that one is medical. >> $1,16057. $70 minimum monthly payment 17 months to. pay this off. No deferred interest and. it's until paid off. So 0%. Okay. Minimum monthly payment until this is. paid off. >> Okay. >> Because I closed closed it out. The the.

care credit, right? >> Huh? >> The care credit you're looking at? >> Yeah. >> Yeah. cuz I it was Yeah, I closed it out. so that I didn't have to pay interest. cuz it was a credit card like a medical. credit card and I had to close it out. >> Equinox. >> Yep. >> It's a really nice car or at least I I. like it. It's a step up from the 2005. car I had before. >> What is the interest rate? >> The interest rate I believe it's 10%.

was $6,156.37. [Music]. >> Yeah, the monthly payment is like $225, I think. >> What do you think the car is worth even. though you owe $6,156.37. on it? >> I'm not sure, actually. >> Of course not. Well, it's worth $5,600. >> I mean, I needed a car one way or the. other, so. >> Yeah. Yeah. Yeah. $221.81, 81 cents,

but you could pay off a car instead of. getting fast food cuz you live at home. And Door Dash and Moronic dumb bulling. stupid stuff like that. Shut the up. No, you're not. You're done. You're dumb. Yeah, it's at a 10.44%. I was close besides the 4% little one. So, I know some stuff. Shh. >> Stop.

Stop it. How's the condition of the car? >> It's in good condition. There's no. issues with it. >> Miles, >> um, I think it's 112,000. >> Okay. >> When I got it, >> Chevy Equinox, >> I had my mechanic look at it and he said. it was um, in really good condition and. that's good. But, you know, we start. pushing 200 on that thing and I start. getting nervous. So, I mean, that's a ticking time bomb. Longer ticking time bomb, but all while. we have no money. Like, that's.

>> I mean, I'm not going to be jobless. forever. I'm not going to say what. >> says me. I'm not going to do it. >> I don't trust you. Not a reliable narrator for this. >> I mean, I've had a job for seven years, so why would I suddenly just. >> Because you can't work standing up and. you've applied to 20 jobs in 3 months. >> So, I'm going to apply to more jobs. So eventually I'll get a job. >> I stopped going to school for free. >> I have one last class and then if I.

can't find a job. >> three more years. >> if I can't find a job that is tuition. borment then I'll get my associates at a. community college and then. >> well I would do that but now you're. going to be starting life at like 32. So. hey. >> wait my mom would. >> $32 in your checking account. Your mom. did it while she had a man. >> a partner. >> True. >> Could have been a girlfriend too. I. don't give a slap flaps together. I'm. not saying it was because of the man, but she had in other income and help. Oh god.

Oh, $32 in our check account. But oh. baby, we are spending on bull. You see. that, ladies and gentlemen? You see. that, ladies and gentlemen? You see. that, ladies and gentlemen? You see. that, ladies and gentlemen? It's alling. stupid. No, she's going to Starbucks. $711 there. Shut the up. You are not. going to comment after every single. purchase cuz there's only about a. thousand to go through. Shut your. >> Starbucks. You only get a limited. amount. >> No. And then she immediately talks. I.

hate. >> you. Only get a limited amount of like. food and drink. So that's why. >> And now no one's going to date you. because of your personality as well cuz. you're horrible to have a conversation. with. >> I do enjoy it a lot. I know. Trying to. get better. >> And so do I. But again, I have the other things to. make up for it. You have nothing to make. up for it. Okay. But yeah, that's why I. have Starbucks on there cuz you only get. a limited amount of stuff. So. I get hungry.

>> Dutch Bros. Dutch Bros. >> Yeah. Cinemark. Cinemark. Dutch Bros. Dutch Bros. Chick-fil-A box studio. Dutch Bros. Shiply Donuts. Patreon. And. it sure the ain't ours, which by the. way, our YouTube membership for is free. right now. Sign up, submit your. reimbursement at hammerly.com. Three. shows a day, Monday through Friday. Best. YouTube membership on the platform. Second largest, soon to be number one. cuz it is the best and you're not. subscribing to that you. >> the Patreon. >> It's literally free. So.

Dutch Bros, Chick-fil-A going to get. into bull. TJ Maxx, Michael stores, Hobby Lobby. You don't have hobbies, you. don't I don't care. Go work 80 hours a. week. I don't give a in a call center. I. don't care. Starbucks, Dutch Bros. Starbucks. Starbucks stores. Michael. stores, Hobby Lobby, Collected Comics, and Dutch Bros, Chick-fil-A, Amazon, Chick-fil-A, Walmart, Starbucks, Dutch Bros. Going in. against Yeah, you Dutch Bros. Chick-fil-A bite bite dance.

>> Let's play dance. It sounds so familiar. Oh, yes. That's Tik Tok. Okay. You're. paying for Capka, you. >> Dutch Bros. You go to Dutch Bros every. second of your life. >> Yeah, I've always great for your health. Vintage stock Chick-fil-A. Starbucks store, Tropical Smoothie Cafe, Dutch Bros, Apple Bill, PayPal, and on. money, PayPal and PayPal, and I'm going. to die. That $100 in savings, guys. We're. were such we're such good at being.

>> Well, I started the like a coplay and I. thought I had everything and then I. realized that I didn't. So, it led to. like getting one thing here and there. then to another and Yeah. >> Yeah. It's so interesting. I I was just. enthralled by that. >> And then the Dutch Bros. You get tired. >> Oh, she's still going. Keep Please. >> You get tired of Starbucks after a. while. Like, so we would do Dutch Bros. ones for like And they would like, you. know, pay me back. >> I'm still just as interested as I was 2. minutes ago.

$229 in this bull. Okay. Savings. account. That's I don't know. >> I spent $229. >> No, it's in thating little extra savings. account on the side. >> Oh, yeah. I mean, I'm going to make a. budget, but we know how this works. You. have money left over. Your overhead's. practically nothing. Your minimum. payments, yeah, they're well, actually, now you don't make money. So, >> we're consolidating. >> What's the point of making a budget if. you don't make money? I guess we can see. what you need to survive. We can see. what you need to survive. Your minimum.

monthly payments, which is, by the way, unemployed, an insane minimum payment. amount to have. It's disgusting. In. fact, it was about a third of your. previous income, which is horrendous. But either way, debt minimum monthly. payment $771.81. Okay. Rent, nothing. Nothing. Nothing. Groceries. I'm going to say you can put. $200 towards it because I know your. parents put money towards it. TP fund. $100. Anything else you need to survive? I'll do hobbies, savings, fun, subscriptions, whatever. I'll call it. the fun fund. You can do total of $100. Do you have any pets?

>> No. >> Thank. gas. Vroom vroom. Drive. Well, you don't. go anywhere now. Shouldn't be unless. you're going into job interview. But. >> okay, I'm going to say $100 car. insurance. >> Um, that's part of the 300 I pay for my. parents to my parents that I'm not. currently paying now. >> Why? Wait, what? >> Well, cuz I don't have a job. So, yeah. I mean, I will. I will. >> Shut the up. Literally, they're enabling.

you by not by Okay, they're allowing you. not to pay the $300 you agreed to to. quit your. >> I didn't agree to I. hammer financial score. Go yourself. Join us in the post show. I'm going to. die and call their parents and look at. her horrible resume. Remember, it is. free to join Hammer Elite. Just. subscribe and we'll reimburse you with a.

digital gift card that can be spent. anywhere at hammer elite.com. See you there. Maybe. I don't know. We'll see. Why are you borrowing money. from your dad? Not even. >> that you're not even paying back. Why. are you possibly borrowing money from. your father? >> Let's call papa. >> Are you familiar with the with the. website only? >> Yeah. How would you feel if your. daughter's put in a position where she. has to become an only creator? >> I mean, she's an adult. My mentality is. you can always make money somewhere.

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