Homewrecker Ruins EVERYTHING To Steal Married Old Men | Financial Audit

A 6-month pregnant girlfriend? You're. saying he's with the mother of his. child, so you are trying actively trying. to sleep with him. Who's the one who's cheating on who? Is. it me or is it her? I'm trying to figure. out what the [ __ ]. is happening right now. The dude has a. [ __ ] family. I know it sounds like I'm the trash. How. old would it sound? How old is he? He's. 40 years old. Download my new simpler budget app today. and take control of your money once and.

for all. Hi, I'm Haley. I'm 27 years old from. Florence, Alabama and this is Financial. Audit. Florence, Alabama? You certainly are. Thanks for coming down to Austin. What. do you do for a living in Florence, Alabama? Okay, I don't think it's that thick, first of all, but um I am a manager at a. major retailer. Cool. What kind of level. of manager cuz you know, they can what. range widely. Right. So, like at this. company it goes like district manager,

store manager, and then me. So, there's. like two levels between me and the store. manager. Well, which one are you? I'm the assistant manager. So, like. right under the store manager. Okay. How. much you making? So, I make 65 a year. I'm salaried. Thousand? Not bad for I. don't know Florence specifically, but. Alabama's not one of the more expensive. states to live in. No, it's pretty good. Um like the cost of living is really low. and then like the housing is low, so. Okay. So, how is life in Florence with. this job? How are we doing? So, I mean I.

feel like I'm doing okay, but then like. somehow I'm still in debt, so I don't. know. What do you think is causing that? If we're doing it okay. I think mainly. it's like the bills and then sometimes I. do like spend a little bit of extra, you. know, I have to go to like TJ Maxx and. stuff like that. Have to What What do you mean have to go. to TJ What is have to go to TJ Maxx? It's like a have to. It's It's a. necessity. No, what part of it is a. necessity? Well, I go there and like I have to get.

all my skin care stuff from there. From TJ Max? Have you ever been to TJ. Max? Do you Do you know TJ at all? No? They have everything. know if I've been to a TJ Max. You would ever need. Like they have like. all my eye serums that I need, which. obviously cuz I'm getting a little bit. My. My wrinkles are. Wait, what are you You're 27. Yeah, and. it's. you're retinol? Okay. Yes, I have to get the retinol oil. Yes. Of course, of course, of course. Okay, that's your have to go to TJ Max. Okay.

What are you spending on that a monthly. basis? You're That's why you're in debt. is cuz of TJ Max for your skin care? say in debt, but I think that's like a. necessity. And then there's like stuff. that comes up, you know, throughout the weeks and months and like. I have to get What hits your account on. a monthly basis? I think it's. 18 30. Monthly? 18. 30. Monthly? Oh, 3,000. 600. Do you know what monthly means?

Just want to Yes. Confirm we're on the. same. weekly. Maybe it's every paycheck. You're paid weekly? No, I'm paid. bi-weekly. What's What are you talking about? Well, I wish. What are you talking about weekly? I think it's. 3,700 came in for payroll. Okay. Okay? Yeah. Does that sound about right? That. actually sounds a little bit higher than. But yeah, that that's I think. It's salary, so there's no There's no. overtime or like extra or anything. How many hours a week are you working? So it's base 50, but then like if you.

have to work extra hours or anything. So normally my schedule is like a 7:00. to 5:00 or like a 10:00 to 8:00, 12:00. to 10:00, that kind of thing. Oh, so it's not consistent? No, it changes. How many assistant managers are there? There's six total. Okay. I don't want to, but. Okay, that. Come on. One, I'm offended. Two, that. also wasn't.

the actual request. My gosh, okay. I. didn't know if you were asking or. suggesting or Well, there's probably. incest happening there, so I don't want. to get a taste of that anyway. 3,700, so. that's what happens on a monthly basis? Yeah. All right. Cool. So, you're in debt cuz. of TJ Maxx, apparently, cuz you have to. go to TJ Maxx. So, Well, I don't know what should you spend. last month? If that's the paycheck that. hits and apparently a little high on. your end, but okay, sure. So, what What. did you What did you spend? What did you. spend last month? I'm going to say I.

don't think I went over my paycheck. because I very rarely do. Okay. I think. I've I stayed pretty much under it, so. I'm going to say like. I think for sure 3. thousand. $5,026? What the [ __ ] are you talking about? That is what was spent. Also known as some credit cards. Well, now I'm pretty sure that expense came. from like the vacation that I had I had. to take. What, that doesn't count? Vacations, money that doesn't.

No, what are you talking about? Do you. Do you think that does not count towards. your spending because it's a vacation? is like that's not a normal I don't care. if it's normal. That's what you did. I don't care if it's normal. That's what. you did. month though. That's like. But that doesn't Do you realize that. does not matter? for the vacation that we were that I was. going to take. I get it. But do you not. realize that that doesn't matter whether. or not it's a normal month? It literally. did happen. Yeah. But I was saving I was. actually saving up for this vacation, so.

like I was taking a little bit out of my. paychecks. like. every month. How much was it What did you do Where. did you go? I went to Orange Beach, which I've never been. Orange Beach what? Like Orange Beach, Alabama. So, you stayed in Alabama? Yeah. Well, I was originally going to go to. Florida, and we were going to go to. Universal for Halloween Horror Nights. more sense. So cool. Like, love it. What? But, Halloween Horror Nights, if you. Yeah? With you and your friends? Me and. my brother and his wife. We were going. to go. You and your brother? Yeah. Okay. Future. husband?

Already, actually. No, no, I'm just kidding. No, no. Not. really. But, um he was actually going to. pay for like the tickets and everything. for me. It was like you know, his treat, basically, because he knew like I was. having a hard time and we had already. planned this out. but that's just the tickets. You would. have still spent money going there. No, he was going to pay for everything. Everything? Then why would you need to. save up money for the trip? rental car. He was going to pay for like. the place we stayed at. He was actually. going to pay for my ticket. Why would. you need to save up money then? Well, I was going to save up money for. like food. Like There you go. So, I like.

I said, you have to spend while you're. there. Yeah, but. So, he wasn't covering that. It wasn't. an expense at all. saving up for it. Like, I was skipping. like a frappuccino here and there and. like a Red Bull here and there. I was. skipping That saving is cutting back on. like the bulk kind of expenses. So, it's. not even like money that would have gone. towards the debt anyway. It was the. money that would have gone towards. spending for bulk. Well, I do have a little bit of extra. left over at the end of the month. Like, I have like $200 left over. What the. [ __ ] you talking about? You spent. $5,000. You brought in $3,700. You don't know what you're talking.

about. What No, there is not money left. over. I make my Why would your debt be going. up? Why would you have debt if you have. a little left over? Well, when I make like my budget. for the month Then why do you have debt? There's normally like $200. you have debts? I don't know. Why? You make a budget, so you should. know. like the debt accumulated over time. How? So, I had like a little mid-20s. breakdown, like a little. Mid-20 a little mental. Mid-20s. Mid-20s. It's not even mid-20.

yet. Oh, your your age, mid-20. Yes, yes, yes, yes. Okay. Um you're 27, so 2 years ago? Well, I. was like 24. 25, something like that. Okay, what happened 2 years ago? 2 years. ago? mental breakdown, right? There was just. like a lot going on personally. What? Well, you know, um. I started like my salary job. And I. actually What? I started I Okay, Sounds like a positive. thing. working in salary, right? So, promotion,

more money, great. Different store. Doing good, right? So good. Um but I actually when I moved. to the new store, I found out that my. boyfriend that I was with was actually. with somebody else. And we'd been seeing each other for like. close to 2 years. He actually had a. girlfriend and she was like 6 months. pregnant. He had a girl- a 6-month pregnant. girlfriend? Yeah. So, I found this out and um I mean. that was hard. Again, I mean that's what. happens when you live in a place called. Florence, Alabama. Yeah. Not really. I. mean.

And it just so happened that like the. store I transferred to, she. she Well, her family lived there and. like they would come in with the baby. Oh. And it was so hard, but I was like, "Okay, you know, I was like, I'm doing. it still. I'm great.". How wait, how did you find out? I. actually found out because I was like on. like a little project, like a little. salary project, my first little thing as. like a salary member of management in. his hometown. So, like we live 45. minutes away. I live in a town over here. and he lives over here. We're like 45. minutes difference. So, that's why it. was like so easy, I think, for him to.

had have another girlfriend. How did you find out? But So, the way I found out is cuz I'm. working at the store in his hometown and. there's this guy there and we're like. talking about cuz this guy's a tattoo. artist, right? And me and the guy are like talking. about his tattoos and he's like, "I. actually get my tattoos done by this guy. or I used to." Okay. But then he stole my girlfriend from me. and I was like, Oh my gosh, no. never dated this guy. Like, I thought I. was his girlfriend, but. obviously not. So, that's how I found.

out that he had a girlfriend that was. not me. Then what happened? You broke. up? Yeah, I mean I Of course. Yeah, no, totally fair. You know, I. found out he had a girlfriend and I. found out she was 6 months pregnant. So, yeah, like I That's crazy. So, were you. the side piece? Yeah. That's For 2 years you were the side. piece? Did you tell her? I did. And? Um. it was like it was a whole thing. Are they still together? They are, but. like. So, we actually continued to talk to.

each other. No, for how long? No. Well, that drawn out that drawn out. process I mean, that's going to [ __ ] you. in so many different ways. for 8 months because I was like, I can't. like this is I can't do this, you know. Okay. So, we stopped talking for like 8 months. and then he texts me one day and he's. like, you know Hey. Yeah, basically. Hey, what up? Kind of thing. But um we. started talking again. What's talking? No, no, no, no, no, no. We just started. talking like.

Even though he was with his. lady that had a baby. Yeah. But and you knew you were the side piece. at that point and you were okay with. that? Well, I mean like 2 years is a. long time, you know, and like you become. attached to somebody. Well, of course. And I was a little bit attached. Very. attached. He's got a kid though. Uh well, I mean obviously he's probably. a serial cheater. What? probably. Yeah, most likely. 100%. actually, I'm sure. How long did you. guys keep talking? Um last time I spoke. to him was in June.

That's not that long ago. Wait, for how. long were you talking? Um we have been. doing this back and forth like on You're. never going to move on. You're never. going to move on. been 6 years. Six [ __ ] years? You're never going to. move on. How old's his kid now? She is 5. years old now. What the. Have you Okay, let me ask this question. Sorry. This this is a little more like. TMZ tea sip for a second, but listen, I. I enjoy myself a little steaming glass.

here and there. So, I got to ask this, but then we're going to jump into the. money, but uh uh. uh. You guys. in that time? Such an inappropriate question. I don't. know if I can answer that. Oh my. goodness. so yes. It's a loaded question. That's a yes. Literally. Really? Really? How When's like the last. time? No, it hasn't like I haven't. actually We haven't actually like been. together been together. Come on, when. was the last time you guys? Like December we were actually together.

But you're saying he's with the mother. of his child still. And you're a lot You. are trying actively trying to sleep with. him during those times. No. But you did. You did over the past few. years. It was always like he would call me and. he'd be like, "We're not together. anymore.". He would tell me that they weren't. together. times is he telling you that? time he told me they weren't together. anymore. he cheated on you the first time or. cheated on her with you the first time? on though. Is it me or is it her? Her, I think. I don't know cuz I don't.

know. I don't know. Um. But like. That's a little like total home wrecker. behavior. Yeah, but how many times can you believe. that over and over again especially for. someone that cheated on you? He cheated. on you and you're okay? this is what he's told me. He told me. y'all are not together anymore. You've. moved out like Mhm. I just want to make. sure we're all on the same page. if he sticks it in? Cuz we've done this. over and over. So, like I just want to.

clear everything up. This dude better be [ __ ] hot. Well, I mean I think he's handsome. He's. like. It's like a Joe Dirt Oh, this is usually. like a post show conversation. We will. we we we. But like you know, you got to love it. Like you think my accent's sick. Okay, show me a picture. You want to see a. picture of him? Yes, we'll get into finances in a. second. Sorry, guys. Okay, you have to. be like you have to be honest and tell. me if it's just like. It's like if if I do anything, it's Do I. just rose colored glasses on? Huh? Do I. have like rose colored glasses on? Well,

maybe. I don't know. You probably. There's like five people that live in. Florence, right? I only have one picture of him. How old. is this man? He is um. He's 40 years old. He turned 40 in November. But you know when you love somebody and. you just love them so much. and you just can't And like that's how. much I loved him. This dude is a great looking man. Wait,

did you look at the picture good though? Yeah, I looked at it a pretty well. Well, I don't have another picture of. him, but Nor do I want to see another. Um I mean, I liked him. No, conventionally attractive to a certain. point, sure. Uh. he. Maybe that wasn't the best picture. was. It's been since you were 21 and he was. 21 and he was. 30 34 four Yeah. Yeah, Twitter's not.

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to the individual. It's a pretty big gap. regardless. right? Huh? We're in Tennessee, so. Huh? We're in Tennessee. So, it doesn't really matter, I don't. think, does it? The [ __ ] does that mean? Well, I think. like the age of consent there is like. 16, which You're in Alabama. Well, I am now, but originally. Tennessee. Maybe you didn't see a good picture. Hold on. Cuz like if you could say. financial audit. What the [ __ ]. is happening right now? I don't know.

This is That's insane. You're literally. The dude has a [ __ ] family and uh. like you said you Okay, let's not talk. about it like that though. Let's not. talk about it like that though. Let's. not talk about You told me with your own. words that he is with her. Yes. I know it sounds bad and it sounds like. How else would it. sound? I know it sounds like I'm the. trashy one, right? Yes. No, you all sound trashy. in this story. Okay. I know it sounds. like I'm the bad one in this story. Yes, and him? Not at all. Not at all,

because like You pursue him. You. continue the conversations. You allow. them to happen. You let him [ __ ] you in. December while they've been together. he told me they were not together. Why. would you trust the man that cheated on. you before? You wanted to believe it. Exactly. You wanted to believe it. Yeah. I got to get into the numbers. That is. certainly piping hot, but it's honestly. quite kind of disgusting. Well, no How. old is his lady? I don't know, actually.

Do you know her? I've met her I met her. once. How old does she look? I think she's 30. She's older than me. I think she's 30. years old, but I'm not sure. I don't. know, do you want to tell me if I'm. prettier than her? This pork. You want to do a little. We'll do like a hot or not. Do you want. to say? Did you insane? I'll do it. Okay. You have to be honest, Taylor. Like if you I'm never am not. I'm ugly. Just tell me the truth. Is. that him? That's him and her, but like. that's a very. You're literally dating like a dude that.

looks like. Tell me, is it edited? So edited, right? I would I would I would I I I I would. pick you if I had to pick. Oh, thank you. Well, this is because she. looks beyond caked. Like what is she. hiding? Right? Like so much makeup. Like. I have makeup on, obviously, but like. Yes. Honestly, the TJ Maxx is I feel. like doing me good, right? With all the. retinol and the eye serum. You look. normal. Oh. What are we doing? What are we talking? You spent. 5,000.

3,700 comes in. You're married men who. are 15 years older than you. not married. He's not married. He's not. married. He has a kid with her. That. poor kid. That poor kid. That poor kid. Dude is not married. That poor kid. What is everyone at the. store going to think when they hear. this? You are choosing to say this on a public. platform. Oh goodness, I didn't think. about that. Like it sounds. not? As in we literally have videos. saying, "Uh everyone around you will you. know. will see you in these videos. Please.

consider before you come on." Like a. million jillion times. I didn't think. about that. Why? How? We literally Are. you dumb? It sounds really bad, but it's. it's not like what it sounds like. I was. really. it not? Well, I was Man with baby sticks. penal in you. The non person he's with. very very explicit. It wasn't like that. at all. But that is what happened. Not. really. Not 100%. How do I get to How do I take. this to finances?

know how we got here, honestly. What are you here for, lady? Well, I. think like I just need help figuring out. where my money goes. Because to me it doesn't seem like I. have enough to. get anywhere with like my minimum. monthly payments and stuff like that. And I don't know where I'm like missing. the mark here. Uh So, I'm thinking about. just to like get my finances back on. track. I currently have like a loan out on my. 401k. Oh.

And I. For why? When did you do that? I did it. when I purchased my house. You own your. house? Wait, I don't see a mortgage in here. Yeah, there should be a mortgage. Yeah, so I bought a house back in 2022. 401k loan to buy a house? Well, no, it wasn't always like it. wasn't just to buy the house. It was for. like a little bit of the down payment. A. down payment to you borrowed your down. payments from your own retirement. I. don't think you understand how that. [ __ ] worked. So, I'm thinking about. taking another one out.

Why? How much and for [ __ ] what? You're. getting another house? No, no, no. But you still owe on that other 401k. loan? I do. I owe 8,000. Will they allow you to take a second one. out? No. Then what the [ __ ] are you even talking. about? So, you have to pay off the current one. to take out another. you owe on the other one? I owe 8,000. right now. You don't have 8,000. Well, I. get like a small bonus at the end of the. year, and it varies based on like store. sales, right? So, you're going to use a. small bonus.

to pay off a loan so that you can borrow. a larger loan? Yeah. For what? To pay off so like I have my I. have three No, I have two credit cards. that need to be paid off, right? And. then I have my car payment. So, this is. my idea and I think it's. like I thought this through and I think. it's like a really good idea. This is. what I really like I want to. I would love for you to say it. It's coming. Hold on. So, like what I'm. going to do. 40-year-old says every day.

This is you. Okay. I'm kind of offended for him. But. anyways. What? You're being mean, Jen. He's the one. who has a child and he's [ __ ]. somebody that with. Yeah, he's just Anyways, anyways. Can I call him in the post show? Dude's. not going to answer. No, he 100% has my. number blocked. What? No. Really? would he not? Why would he have your. number blocked? Cuz you guys are You. said you're talking in June even and.

then you. a few months before that. I did First of. all, I never said that. You. I didn't use those words at all. Oh, you. sexed him. Well, I didn't say that. either. But anyways. Well, that's what you said though. No, not really. Look, you got me all. discombobulated. I forgot what I was. even saying. Discombobulated? The dis- the. discombobulated, yes. Anyways. How do you run a store? Well. How do you run employees? Do they have. to depend on you for anything? Yeah, no, I'm good at my job. You have me. squeezing on this thing cuz this is.

insane. This conversation is insane. Yeah, that's a you problem. It is, but. it's also a you problem if we're if. we're trying to get some result in the. end, it's also a you problem cuz I can't. follow what you're talking about. You. haven't even told me what you want to. borrow this for. Yes, that's where we were. Okay, so what. my plan is is to pay off the 401k loan. so I can take out. If you get that bonus as large as enough. to. can take out another loan and pay off my. all my credit cards, which is two credit. cards. Pay off my car loan and pay off.

seems like those are the ones. I think that's it. So, I can pay off. those three things, right? And then I. can take my insurance, which is right. now like almost $400. I can take that. down to like a minimum. Whoa, whoa, whoa, whoa. Awfully feisty. over there. Uh. But, usually if you have good credit, even the interest rate on a 401k loan is. 1 to 2% over like the federal loan rate.

It would probably be 8 to 9% if you have. good credit. What's your credit score? Uh it's like in the 500s. What the [ __ ]. are you going to do? You're going to get. a loan like a loan at 15%. loan on your 401k? Wait, whoa, whoa, whoa, whoa, wait. The one that you. currently have Yeah. Obviously, the the. most likely and what typically happens. is the money that's hitting your account. is posted to you making a payment on it. cuz it probably takes before you see. your money. Yeah, it takes out way more. What is the interest rate on your. current 401k loan? And you said it's 9,000? You said it's.

9,000 401k. Okay. Go ahead. Okay. So, um I'm going to pay. off all of my loans, and then I'm going. to take my. No, I said what's the interest rate on. it? I think it's 11%. What are you doing for what? And But, I'm not 100% sure. That actually doesn't. sound. a part of a down payment? sound right. Maybe it's 8%. I don't. really remember. 8% you're keeping up with just the. average stock market return from. beginning to end of forever. That's the.

average for a down payment. That's. stupid. You could have got like a down. payment on a house. Wait, wait, wait, wait, wait, but, but, listen, listen. No, no, no, no. I've got I've got I've. got I've got 50,000. in my 401k. I'm 27 years old. the person talking. I'm going to talk. I feel like I'm doing pretty good. I was the person talking. I'm just saying. I feel like 50,000 for a 27-year-old. Right? You're relatively on track to I I.

shut the. I'm going to finish the thought. Shut. the [ __ ] up. You're going to be to the. close to that 65,000 that we'd want you. to be at 30. That part is good. However, you don't [ __ ] own any of it. You're. going to borrow half of it. And you're going to be paying interest. All the return that you're going to be. getting is going to be eaten up with. that cuz again, if I [ __ ] if I open my brokerage. right now, Moomoo, and I open my Moomoo. app, great, and I buy some S&P 500, that's averaging like a 10%. 10%. And if.

you're at 11%, 11%, or the 8% of the average stock market. gain up, down, all years combined, you're not beating it. You're losing. what you are supposed to be doing, which. is taking advantage of time in the. marketplace right now. Time. That is. your best wealth-building tool is time. in the market. I feel like I'm ahead of like where. people for my age normally are. So, In. certain ways, but again, that whole.

You're going to borrow against half of. it. There's 50,000 in here. Uh. But 8,000 is the outstanding loan. So, again, it's just like you're really at. 42 You have 42,000 invested. So, like. And then it's going to You're going to. have like 25,000 invested once you're. done with your little plan here. What's. the payment that comes out of your pay.

for this 401k loan on a monthly basis? Like a hundred and something dollars. And what are you invested in? That's. going to take forever Wait. But at 11%, that's going to take forever to pay off. need to pay off the loan because like 11. seems like a lot. Maybe it's six. No, you can't go from 11 to eight to six. You don't [ __ ] know. And also, if. your credit score is a five, no, it's. not. 500? My credit score? In the. It's absolutely not. But, when I bought my house it was in. the 700s, like high 700s. Almost 800.

That still takes forever to pay off and. even still, regardless, if you it's 530, your score is 530 for [ __ ] sake. So, if you pay off this 401k, how? How? What. What did you do to [ __ ] up your life so. bad? Wait, why'd you go from being in a. position where like you were ahead of. the game to like starting to destroy. things? So. How? How did this happen? I Like we were. talking about and we got super. sidetracked, right? But, I ended up. leaving my job, right? Um and I was only gone for 8 months, but.

What do you mean only 8 months? You do not understand a single thing in. this world. Only 8 months? That is. significant. What did you do? So, during. that 8 months. Wait, did you get fired or did you. leave? No, I I I left. What was it? So, it was. nothing to do with like the job. What was the job? Oh, it was what I currently do. It was. What What did you do for 8 months? Why'd. you leave? Okay, so, you know, I I had I.

had my little my little breakdown, right? For just a second. the dude who was a million years older. than you who had a kid who was sticking. it in constantly and you couldn't. [ __ ] leave him. You couldn't leave. him. You couldn't get away from him cuz. you just keep going back like an addict. Go on. An addict. Get it? Uh. Loved him. to death, still do. But, anyways. That's. you. Are you ever going to live a life? Are. you ever going to find someone? No, you're not at that point. If you're. [ __ ] just addicted to this dude who's. a million years older than you, who has. a baby and a lady he is with, the one.

that created the child with him, you're. never going to have a life. That's so. sad to see. I don't want you to do that. Major channel announcement. Budgeting. Budgeting. Budgeting. It's a new year. We're all trying to budget. We're all. trying to make it a little better. Trying to improve our life. A lot of. people on the show, a lot of people out. there that I've heard from, they try to. start a budget, they can't stick to the. budget. It's because it's all too damn. complicated right now. You use any of. the budgeting apps out there, and it's. crazy. It's hard to know what's even.

going on. It's impossible to set up, and. it's a chaos to manage. That's why, over. this last year, I did the thing. I made. a budgeting app for you guys. This does. not need to be complicated. You're. trying to take control of your life, so. it should be simple. It should be chill. It should be easy to set up and easy to. manage. I've called it Simpler Budget, because that's all it is. It's your. simpler budget. But, we up the ante with. continued education and an ad-free. version. In the premium version of.

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Budget app today, link in the. description below. This budgeting app. will change your life. Can I give you. free three free therapy sessions, and. please talk to them about this? With our. partner Sounder Mind, can Can I don't. need like any therapy. I'm good. You are. not good. You're the opposite of the. good. myself an hour we talked and we're good. Like 100%. You cannot therapy yourself at all. You're obviously beyond help and you. keep going back to this guy. I just want. you to be able to live a life. I want. you to be able to live a life. It would. be so sad seeing you hung up on this.

dude all the way through your 30s and. 40s. we we are done. Like we're not we're not. doing anything. You For now, you've gone back and forth. for 6 years. It is a long time. I think we're going. to call him on my number in the post. show and I'm going to tell him to get. the [ __ ] away. No, no, no, no. If we. call him, you have to be quiet and we'll. just we'll just talk. Me and him. We'll do that in the post show then. We'll do that in the post show then. Okay, shut up. Oh my gosh, this. conversation's a mess. Anyways, you keep. getting me sidetracked. Let me tell my. story. So, this is a good story.

Right? I quit my job. [ __ ] storytime. I had a lot of. money. So, like I left I left my job for. a minute, right? Mhm. And um I went on. So, my brother was getting married. I. went on the bachelorette trip in. Florida. And I was a bridesmaid. months? Made. No. And I was a bridesmaid. So, like I had. to pay for and this all goes into like. the credit cards, right? So, I paid for. the hair and makeup and the dress and.

some of that, not all of it, but some of. it went to the credit cards. And then I went on the trip to Florida, the bachelorette trip. Some of that went. onto the credit cards and then directly. 40-year-old male strippers? Directly after the wedding, I went to. Disney World with my nieces. And then after that, I took a little. road trip. How much was Disney? I was road tripping. But why not work during all this? You can't. You can't work and do all that.

traveling. Wait, how much traveling were. you doing? Was this back-to-back-to-back. or was there any gaps in between? Um at. if you took a couple days off at her job. to travel somewhere. At most it was like a week in between. these things. So, like. Why why why why why do all this though? Well, I mean Why throw away everything? In all seriousness Wait, and you already. owned a home? No, I didn't own the home. yet. I didn't own the home yet. Oh my gosh. in all seriousness, I was having like a. really hard time. Yeah, meaning hey, maybe you should actually talk to a. professional. And um, you know, it just.

seemed like everybody else in my family. was like kind of like moving and like. their worlds were turning and mine. wasn't. Like I wasn't doing anything. I. felt like I was just working constantly, constantly, constantly and like. I don't know. No offense, won't it feel. like that if you're endlessly hung up on. this dude? Won't it feel like that forever? Yeah, and I think maybe. these spells constantly. part of the. issue was like it was just everything. that was going on in my life, right? So, anyways, ended up leaving my job. I did. the Disney thing and then I went on a.

little road trip. I was planning on. going like from Tennessee all the way. around. All the way around? Yes. the thing? The thing. Yeah. But anyways, I got to um, South Dakota. Okay. And then I ended up turning. around. It's the classic road trip. destination. Have you ever been? It's. pretty. Nope. Okay. So. was 9 months? to South Dakota and then I came back. home.

That was all 9 months? Well, it was. No, it was 8 months. During this whole. thing, it was. You could have worked in there. That was. not enough for 8 months. Well, I wanted I wanted to take The plan. was to take like a 6-month hiatus and. just kind of like recenter. got your job back like that? It was to. recenter my mind. Your mind, yes. You got your job back like that? That hurt my feelings. You got your job. back immediately. That hurt my feelings. I don't give a. Um, well, I mean, yeah, cuz like I'm a.

good employee, right? Like I feel like I. did a really good job at my job. without warning for 9 months. Um, you know, I'm I'm I think I'm I feel. like I'm good at my job and obviously I. am or they wouldn't have wanted me to. come back, right? So, I actually got a. phone call from one of the people that I. had worked with previously. starting to think the talent pool in. that town with five people. might be small. With five people? Come on now. I don't think so. I think it was me, you. know, cuz I'm just me.

Right? You had to be there. Anyways, um, so I I. actually got a phone call and it was. like, "Hey, do you want your job back?". And I was like, "Yeah." Cuz I'm kind of. like. 42,000 people. I wasn't running What is. that? The Florence? Yes. Oh. Yeah, it's a small town. What do you think What do you think you. are financially right now? This has been. a mess of an audit. Usually I ask this more early on, but. this is [ __ ] whatever. I feel like you got side tracked. What.

do you think you are? Zero to 10. Zero. being the absolute worst, 10 being the. absolute best in your finances today. Where do you think you are? I think I'm. a two. Okay. Yeah. Okay. Go out to hammer financial score. It's free. Link in the description. below. Figure out where your finances. stand. And if you want to be on this. show, you want to come down here Austin, Texas get a little. uh, but it's also fun. It's a good time. We'll have fun. You having fun so far? So much fun. Okay. All of it. Yeah, go to Calebhammer.com/apply. Uh, we'll have you here. It'll be a good.

time. And I look forward to that and. we'll connect you with resources like. we're going to connect you with. Please. do the therapy. You need it more than. almost anyone I've talked to recently. I'm not even kidding. That's not a joke. It's not an insult. Do it. Do you really think that? Yes, I. encourage therapy. I do therapy. Therapy's good. Regardless of where. you're at, you could be perfect and. therapy would still be good. I don't. really like I don't do that whole thing, you know, like the mental health. I. mean, I support it. You got to be in. close. Why not do the whole thing? I don't do that whole thing. I feel like. I'm fine. don't feel like I'm fine. You're not. fine.

You're not, objectively. I feel like I am. How do you think that though? You're. here. Well, no. I mean, financially, I do need. like I got a little bit sidetracked and. my finances got off, but previously I. was doing really well for myself at I. feel like. Especially for my Hey, how'd. you meet him, by the way? Um we met at a tattoo shop. He was the tattoo. Where you find the best men. He was the tattoo artist. But, you know,

we really and you're going to love this. part. We really I felt like when we. first met because like I don't drink and. I don't smoke and I don't do any of that. kind of stuff. You're just a degenerate. every other way. Kind of like me. It's fair. Go ahead. But, um I don't do any of that kind of. stuff and neither did he, you know, and. like we were kind of talking about how. like neither one of us drink or smoke or. anything like that. Just 20,000 of the. 42,000 that live there are was children. We We kind of um you know, it's hard to find people like that. It.

really is. They don't like You might. need to go out and explore a little bit. in life. Well, no, that's true. That's true. Okay, whatever. Whatever. Stop it. What. is this first thing that I'm even. looking at? Because here's the thing. Here's the [ __ ] thing. You ready? Here it is. You owe four You owed 8,224. Now you owe 8,411. What is this? Is this. a credit card? Uh bread cashback. What the [ __ ] is. that? They're giving you cashback on the. bread. I don't know. I don't see any cashback.

happening. You know what I see? I see. $41 of fees because you're late. Cuz. you're late. Cuz you're not paying it. You make good money, especially for that. area. Especially for that [ __ ] area. But, that I haven't spent on that thing. since like November of last year. How does that matter? You make over You. make triple the median income. in your city, triple. Triple the median. income yet you are late on a credit. card. You're not paying on it. Good.

First step. Why not make any payments? Why be late? I don't understand. Why. have such a credit score? Your choice. Why do that? Why live in this situation? When I first bought my house and I first. like moved in and everything, um. I did not have enough money to cover all. of my bills and my house payment. Then you couldn't have afforded a. [ __ ] house. Well, when I did the um. like when I calculated my payment up and. everything, like I was $200 short. based on how much I was making.

But I had a plan. How did you get approved? They'll. approve a lot of people for a lot of bad. loans, but if you're 200 short based on. your own projections, how the My credit. score was really good and my. That's not that is not everything. But. but but but but but you said with your. income you're 200 short. Well, I was estimating everything. Like. I was estimating the water and the. electric and. If you see you're 200 short, why would. you get it? Why would you possibly. [ __ ] get it? I needed a house and. No, you didn't. You could have rented. No, you did not. I didn't want to rent. and then I have my What? But you could.

have. I have my little puppy dog, so I. was. Yeah, I've had my puppy dog in. apartments. It was really hard to find. somewhere that was like would let you. bring pets and I found one place. That's not true at all. A new year means. new goals, right? But life doesn't. always go as planned. One day you're. crushing it and the next a curveball you. did not see coming. That's why making a. resolution to protect the people who. depend on you isn't just smart, it's. necessary. And with today's sponsor, Fabric by Gerber Life, they make it.

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resolutions this year, make one that. really matters. Apply today at. meetfabric.com/caleb. or click the link in the description. below. That's meetfabric.com/caleb, m e e t fabric.com/caleb. I found one place and the rent was 1,600. a month and I was like What's your. mortgage? It's 14. 80. That's not You could have looked. You totally could have looked more. I. know people are not willing to look. enough on this show. That is this is. endless common thread when it comes to. loan shopping. like a a time limit because I was.

actually moving to. What? I was moving to out of Tennessee. What time limit? I was moving out of. Tennessee. Yes, what was the time limit? Alabama. It was like I had a month. That's reasonable. Would I prefer two? Of course, but I've. done it in a month. We've all done it in. a month. I've done When I moved to. Austin, I did it in a [ __ ] week. With. a puppy? With a cat. Uh I feel like that's different. It's. worse. That piss stains, and they rip up. [ __ ] carpet. Trust me, as a landlord, I'd rather.

someone have a dog than a cat. Yeah, I. guess that's true cuz I do tear stuff. up. Yeah. Unless they're litter box trained, and. then it's a little bit different. But I. couldn't find anywhere that was like a. reasonable price where you could bring a. pet. So, and then I also. look. I know for a fact you did not. to that town. I wanted to invest in. something. Yes, I agree, but it's not an investment. if you if you can't make your payments. just throwing money away at rent, I felt. like I It's not an investment if you. can't make the payments. Um but I had a plan. You didn't listen. to my plan. [ __ ] amazing plan?

Okay, so. Was it as good as winning that guy over. cuz that's worked so well? The plan was. that like that town is kind of like a. college town. So, I was going to. DoorDash. for like the extra money. That was the plan. And I did DoorDash. for. a couple of months. But then I actually got a raise at work. So, it was that extra. What What are you making and what are. you making now? Oh my gosh, that town is. in the middle of nowhere. So, my bi-. in the middle of nowhere. My bi-weekly was 14, and then when I got.

my raise, it turned into like a 19 or. 16. Maybe it was 16, and then turned. into 19. But now you're saying because. the mortgage is harder or whatever. Plus. like the DoorDashing was really not the. greatest investment because the gas was. it was like almost $3 a gallon, which I. know other places is a little bit more. expensive, but for me that was. expensive. And it I really wasn't really. making that much money. Why aren't you making these payments. now? I think I'm still short money.

If you look at that money. what happens when you spend $1,500 more. than you make. is $600. Now, because you're behind payments. You. That's what happens. You. That's what happens. What do you think happens when you are. behind on payments? It was probably like. a $50 minimum monthly payment. No, it. was always like pretty expensive that. card. It was. You don't know. You haven't made a. payment in how Dude, you have. To start with, it was like $400 and now. it's like $600 a month and it's just too. much money for me to pay. Listen!

It's just too It. was too much money. You've had five missed payments, so. there's no way it's that much. So, this is actually likely with that. $41 fee Yeah. Uh. 41 * 5, so 205. Mhm. Minimum monthly payment was likely two. No. No, cuz then you and then divide and. then divide over five, your minimum. monthly payment was about 48 bucks. No.

Yes. No way. Yes. It was never $48. Like if it had. been $48, I would have. There's no way this math makes sense. then. With those fees added, which would. be No, that'd be added to the overall. balance. Okay, one second. Let me think. Let me think. Let me Shut the [ __ ] up. There was no way. Shut Shut Shut Shut. Shut. I would have paid $48. There's no way I. would have paid $48. It was likely $89. Cuz it has stacked up for five [ __ ]. months. It was not. No. It was not. I'm I'm going to say 100. I'm going to. say 100. I'm going to say a [ __ ] 100.

But, I also don't think you know a. single thing. I think 100 is a little. you're like a little you're a little bit. low on that, but 100 is more It's like. closer to what How can I trust you in. any way to be a reliable narrator for. your finances? You are not able to. adequately speak on anything we've. talked about so far. Listen, $205 in fees this year, $1,777. of interest this year so far. That's. disgusting. Yeah, it's a lot. It's a. lot. Disgusting. It's not good.

Not good. Not good at. That's [ __ ] insane. But, like I. don't give a Why not make the payment? I. still don't understand. Cuz you say you. have too much. Cuz you say you. you don't have enough. You spent $1,500. more than you made this last month. like at one point. But your mortgage is 1,200. point it was so much. is 1,200. No, my mortgage is 1,400. Your. mortgage is 1,400. Congratulations. Nat. as well say five. Shut That's not how. that What it might as well.

How have you exist Your mortgage is Your. mortgage is 37% of your income. So wouldn't you round that up to 1,500. or it's 1,498 so wouldn't you round that. up to 1,500? 1,498. Like we're literally a couple of 3,708. dollars. 1,500. It's 40% of your income. 40% of your. income. That means you have 60% left. Is that a. little on the high side? Absolutely. But. that means you have money left. And of. course you also said you get these. bonuses. So regardless.

Not plural. The one. Okay, you get the. bonus. Bonus. If you're suggesting you can pay. off an $8,000 loan with a bonus, then. that is a substantial bonus, lady. So. that means likely for your entire annual. income, your mortgage is probably closer. to about 37%. of your income. Okay? Meaning you have a. substantial part of your income left. That is not why you did not pay a $100. minimum monthly payment. Or even stacked.

up, that is not why you are not paying a. $650 payment now. it. I was there for the whole thing. I. felt every second of it. You're not. anywhere. You don't live in reality. You're nowhere. You are not on the same. plane that we all are. a point in time last year. when I could not. 46 minutes into this thing and I'm going. to the second document. buy gas. Like it was that bad. Like I I. struggling. It can't be because of your mortgage. though because we know your mortgage at. its worst is 40% of your income. So,

other expenses are being done somewhere. My electric bill is like $300 during the. summer which I mean, I'm sure That does. not make it up for Well, do the budget. at the end. We'll do the [ __ ] budget. at the end. It gets hot during the. summer and I'm not used to having dead. leg. So, I have a three-bedroom. To dead leg? Three Well, You're not used to what? I'm. not used to like having to. like heat and cool. What was the word. you said? Why can't I not understand. you? What is the word that you said? I'm.

not used to having dead leg. I didn't. say that. What are you talking about? And I'm not used to having dead leg. Am. I having a stroke? Are you not like from. Am I having a stroke or are you. inaudible with your accent? the problem is Do I need to find a like. a like a [ __ ]. almost hillbilly to translate for you? Not the almost hillbilly. No, not the. almost hillbilly. I think the issue is. that you're not from the South, man. South, but I live in here. Yeah, but the.

Texan accent is definitely different. than. I don't care. This is not a. conversation. You have a car? I do have a car. What's your car? So, I have a Jeep. Renegade. Year? 2015. Miles? Um, 136, I think. So, you should prepare for. the worst. Jeeps aren't historically. known for being the most forever. reliable. Not for being the worst. either, but okay. How is she doing? She's not doing great. Like she. does this weird thing when you go to. like take off, it's like boom boom. Take.

off? You mean accelerate? Like when you. drive. Well, like when you push the gas. It goes boom boom? Oh, we're so sorry to. hear about your brother that passed. away. He gets five big booms. Boom! Boom! What's boom boom? Boom! Boom! No, not. the boom boom. No. What does it do? Not boom boom. It goes like duh duh duh. It's more like a did did did unt. Let me Okay, so when you. That sounds potentially transmission. related. Yeah.

Or But I also have no idea what the [ __ ]. you're talking about. I cannot translate. Dude, I can barely listen I can barely. understand the words you're saying. When. you start talking in sound effects, I do. not know what you're saying. So I feel. like it might be a filter issue because. like I think the. Filter? Filter what? The air filter? Maybe. But I had that changed, so no, I. don't think so. Like. It's not getting gas or something. It's like when. How'd you find your way to Austin? How did you get here without getting. lost? Listen to me, I struggled to get onto.

the airplane. I am not surprised, dude. it was like a maze in there. And I looked at the map, too. $9,070. Yeah. Owned on a breaking down car. A. car with a transmission failure likely. happening. when I bought that car, they told me. that it had one previous owner. And. funny story, I went to the public, right? And I parked beside this really. cool. Jeep Wrangler. That is funny. the guy comes out as I'm getting out of. my car, the guy that drives this Jeep. Wrangler gets like he's coming out of. the store and we like meet each other.

and he's like, "Oh my god, that's my. car." And I was like, "Oh yeah, like it. sucks." I didn't say that to him cuz I. felt like it would have been rude. And it maybe would have offended him, but like seriously, the car's not the. best. But anyway, it was a one owner. vehicle. He was like the owner of the. car. That was your story? Well, he was. telling me about it. He's like, "Oh, that was like right off the lot. I. bought it off the lot. Like great car.". And I. I doubt you're maintaining it cuz you. probably don't even know where the oil. goes. Dude, But like that's not for me to do, though. That's for somebody else. Yeah,

if you actually take it. Yeah. Right. And I do. I try to maintain it. The [ __ ] lights. start blinking in there and you're like, "Oh, it's Christmas time.". I don't talk like that. That hurt my. feelings again. What is the interest rate on this car. possibly? Now that. no, no, no, no, no, no, wait, wait, wait, wait, wait, I think I did this. wrong. That's 11, I think. whoa, hold on. I think that was the 11. The other one was six, this is 11, I. think.

Yeah, it's at 11%. 11% on a car that is. breaking down. What are you going to do? Insurance isn't going to cover a broken. down. it's breaking down. We just it's got the Yeah, that's that. sounds when I had a Nissan Altima and. the transmission started to go, which is. an. expensive fix. Well, I mean, you know, foreign in that part, but makes it more. expensive either way. Um. Yeah. That's how that's what it at least. sounds like. Hope not. But. But, but, but that's what makes me. nervous is what's the.

What. But But What is your minimum. listen, listen, but my other plan was. like, okay, when I take this other 401k. loan out and I get a little bit of extra. because I can pay off all of my stuff, then I can pay off that and I can get. another vehicle that's like. better. and not breaking down with like the. extra from the 401k loan. What's the. minimum monthly payment? For the car? Listen, if you get a 401k loan, it's. going to be like 13% for you. This is. it's not going to make the difference. And I feel like I need a little bit more.

education on the 401k loan because. for you with that car is going to be. about 3,000 to 4,500 and then obviously. it's going to be labor. Um so it's probably going to be like a. $5,000. Yeah, that's a lot. It's not worth it, honestly. But you don't have the money and you're. just going to borrow against your 401k. forever. What's the point of having. built it up in the first place? In your. case, especially if you borrowed it well. beyond what it's going to make on. average. Your monthly payment, 270, 297? Yeah, kind of expensive. We think it might be.

worth around 7,000 if in good condition. We don't know if it is and they might. catch on to that transmission thing if. they run a transmission test anyway. Yeah. Um okay, so 297, are you at least. making your payments? Yeah, no. I make my car payments. Why. make that payment but not the last? Why. are you picking and choosing? I make all So, why not the other one? Well, I got behind on the Bread Cashback. card. No, I'm asking why. I got behind. on it because I honestly was not making. enough money to like pay all of my. bills. Like I was having a really,

really hard time You make triple the. median income there. Yeah, but I have. like I have the house by myself and then. I have like the water, the electric, car. payment, insurance, like. gas Gas was really expensive for a. minute there and that was That was. tough. You're not budgeting. You are not budgeting. That was tough. Go through our budgeting. class for sake, please, if you are even. able to figure out how to log in. Go. through the investing class. Go through.

cuz that That's important eventually. I. don't know what funds your 401k thing is. in it actually. I'm very curious. Let's. talk about that at the end. And also go. through the debt class so you can at. least understand how to utilize that in. a beneficial way and how to pay off bad. debt with different strategies. Do that. It's all discounted for you guys, all. bundled together for 15% off. I. recommend anyone go through it, but go. through it cuz you get it for free, okay? Please. a lot of expenses and then my mom lives. with me. She's Your mom lives with you? She does. How old is your mom? Wait, why does she.

live with you? Well, she's she's in her. 70s, right? She had me like later in. life. She's. She's okay. I mean, she's She's not able. to work or anything like that. So, and I. do take care of her. 70? She had you. kind of old. She was 42 when she had me. Okay. Uh. Why does she live with you? Well, she She was When I moved, I moved. from Tennessee to Alabama. She stayed in. Tennessee and she just wasn't doing. well. Like she was there by herself. Um, I think I was gone for about 4 to 5. months and she just like I'm saying, she.

was not doing well. Yeah. So, I didn't. want her to be there by herself. She. agree. I agree with that. mentally and physically not okay by. herself. So, she came to live with me. No, I fully support that. Totally cool. So, I mean, But, what is the added. expense for you on that? Are you like. taking care of groceries? I'm sure she's. getting some kind of social security. Yeah, she does. And she. Okay, so what is the added expense on. your end? the food for the house for the most. part. Like, she keeps it. You have no reason to be behind on. bills. In what [ __ ] world? happens. Okay, so like, if I wasn't if I.

was living by myself, right? Like, the. water wouldn't be going. Like, I work. constantly. No water, no electric. Like, I feel like my bills would be a lot. lower. be using that much. She be taking a shower like every 5. minutes. I don't know what to tell you. But, like, and the electric stays on. You know, whereas if I. if it was just me. What's the square footage of your house? Um 2600. Yeah, that's decently sized. And if you. don't have like efficient. three bathrooms, there's a garage. Like, it's. Well, yeah, and if if if the air is. leaking or stuff like that, yeah, it.

that definitely makes it more expensive. Like, my electric was like $300 and. something dollars. You have a Capital. One Savor card. How about we talk about. that? $5,615.16. on it. Yeah. With a $186 minimum payment. So, this doesn't make any sense. This. really doesn't. You have a $6,000 credit. limit. You're pushing it towards that. You started at 5,300. You made the. minimum payment, but then you purchased. almost $300 of things. Why would you. purchase on a credit card that is. accruing interest that you are not. paying off?

That you can't pay off. So, a $130 in. interest this is one. I had no money on. my debit card, and I have to leave a. little bit in there because Yeah, you. had no money on your credit card, so. your debit card. So, you should purchase all the bullsh. Cuz half 90% of it's bullsh I don't know. about that. Let me. Let's look at it. Cuz I don't feel like. it is. If it's TJ Maxx, that's like, I. feel essential. Little Caesars. Shein. Going in Speedway and getting a [ __ ]. sippy drinky bullsh. Jack's. Going in getting a drink from.

Speedway, Five Guys, Pizzeria, Ruby Slipper. Yeah, necessity. Huh? Not even one TJ. Maxx on there. You got your Shein. So, that was when we went on vacation and. the Ruby Slipper place Vacation, you. can't afford to go on vacation. Where. did you just go to vacation? You can't. afford that. I told you I'd been saving up for it. though. Let's be real. If your mental health is. off, everything else feels off. Your. relationships, your job, and yep, even.

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That's pages.sondermind.com/caleb. Seriously, 2025 is the. year you get your mental health in. check. So, try out SonderMind today. Wait. And it was pre-planned. It was pre-planned. How much did you. spend on that vacation? He essentially. essentially, you know what he did? He. spent money so that you could spend more. money. It's one of the gifts that makes you. spend more money. It happens. Well, For our boy Jake back there, for. his birthday, you know, the boys came. together, we gave him a gift card to.

build a new fish tank, but honestly, that just means he's going to spend more. money. Well, I guess I'm not. So, this is what happens. If he pays for. your vacation, but you're going to go. spend money on food, It was the First of all, it was the Ruby. How much did you spend? It wasn't much, honestly, because I actually went to. know. I went to Publix and I bought. I bought some of the stuff that we like, you know, stuff to eat and like little. snacky stuff, so I wasn't going to. $40 at Publix. Yeah, that was like a. week's worth of little snackies. Yes, and then you went out to eat a lot of.

times and you go inside the gas station. and get some bull [ __ ]. Then what are you stopping at Speedway. for and getting for $2.50? Coffee. Shut the [ __ ] up then, okay, lady. Shut up. when I'm so sleepy. gosh, I hate you. Okay, uh. 28% interest. I wonder if he chose the other woman to. have the child with. That cut a little bit deep. Maybe you. should cut up your credit cards instead. Instead of what? So, that cuts deep, cut.

up your credit cards. Change your. [ __ ] life. Take control for the first. time. Act like an adult for the first. time in your life. No, I I am I think like very mature and. very um. That's a good joke. For 27, I feel like I'm [ __ ] you, 27. You're going to borrow against half your. 401k, you're not making your minimum. monthly payment on one of your two. credit cards, and then on the other. credit card, the balance is going up cuz. you're spending it on bull [ __ ] Shut. the [ __ ] up, you don't know what you're. talking about. Okay.

Okay, maybe even more resources. Maybe [ __ ] get an accounting. certification through Course Careers. Take that so you can learn how to count. your own. Use the Fizz card cuz it only allows you. to spend what's in your checking. account, so you're not being a dumb Sit. down with the financial advisor that I. use at Domain Money. Shut the [ __ ] up, sit down with the financial advisor that. I use at Domain money. You get a free. session just like everyone else in the. audience. You get a free session with. them, okay? Go through those. Use our. damn resources. Yeah.

But I will say with the credit cards, I. was doing really good when I first got. the credit cards. I don't give a [ __ ] cuz you're not now. That means nothing. But I mean I built my credit up to like. 700. And now it's 520 or whatever. So I don't. give a. Like 20. Like why are you jerking yourself off. over your past? Your past doesn't. matter. What you're doing is now. I. [ __ ] up a ton in the past. I don't. shame myself for that. I focus on now. and what to do in the future. I'm saying is I know how to use credit. cards. I know how to use them. I know. how to utilize them.

you doing that? How about that? I just got in like a really bad. position. Yes, a long time ago now. So why haven't. you fixed it? You're not making a. minimum two payment on one of two of. them. So what the [ __ ] are you talking. about? You're bullshitting Well, I. didn't And then now this is for real for. real, right? I wasn't necessarily like. educated on how to pay them off. So I. had all three I had three credit cards, right? And they were all pretty high. So. instead of like paying one of them off. completely or like the highest like.

interest or something like that, I just. put money across the board. And then after I did that, I realized. like that probably wasn't the best. decision. I probably should have paid. them. any reason you didn't Google how to pay. off debts? I just didn't know. Exactly. This is so. simple, guys. You can literally look. this stuff up. Really? You know the the. interesting thing? You know the. interesting thing? This show should not. exist. Even our classes shouldn't exist. The thing is everything you can just. figure out. But no one's able to, so we.

have to put it in we have to put in the. work and package it into consumable. areas, into the show, into the. education. It's not something I thought about. Googling. I know, but you were thinking. about it cuz you were doing actionable. steps of putting money towards your. debt. You could have Googled it for 3. seconds. I was trying to pay them all. off. But that. Here's your 401k loan, $8,000. Great. Kill me now. What are you invested in? What's your. 401k invested in across the board? It's Merrill Merrill Lynch. I don't know.

what specifically. SRP. No, like what's the fund that you. selected to be in? Merrill Lynch? I don't know what you're. asking me. Say it in terms. That's likely the manager of your. account. Simple. Yeah. Are you in the S&P 500? Are you in a. target date retirement? What might you be in? I'm really not sure. I think it's the.

Listen, I just contribute. Okay, I know. that's good for me. it's not doing anything beneficial, then. what's the point of contributing? Well, obviously it is cuz it's grown so. much, right? But so I never really just. like invested it. following the general market. Maybe. you're in a target date retirement fund. Since you're younger, it's a bit more on. the aggressive side. Yeah. Okay, Jake, look deeper into the documents and looks. like it's a target date. Okay. Just a normal person. Kind of makes. sense. It goes a little too heavy on the. bonds for my taste later on, but you.

know, for just someone who doesn't want. to think about it, it's certainly not a. bad thing. Checking account. Okay. Basically, the money that went in went. out, so great. Okay, well, we're blocking out the store. name, but every single one of these is a. [ __ ] store. What are you doing at. your work? $2.76 at your work, $1.10. At. your work, $8. At your work, well, then you went to Wendy's. And then. at your work, $2.26, then $2.62.

Taco Bell, then at your work, you did. $2.86. At your work, $3.29. At your work, $4.63. You're obsessed. You're at there, you're. walking down every aisle and shoving. everything in your throat. No, not at. all. you doing then? Cuz this is They are. supposed to be paying you, not you. paying them. It's just like when you're out there, right? And like everything. When you're what there? When you're out there. Out there, okay. Right there. Right. Oh,

when you're right there. Yeah. Oh, for [ __ ] sake, lady. At the. store and like I mean, obviously you can. get whatever you want there. They have. everything there. And like I always need. a Red Bull just to like. Cuz it's a lot. It's a lot. Why are you buying individual [ __ ]. Red Bulls? Go to a place where you can. buy in bulk. Even at the store you work at, buy in. bulk and put it in like the employee. refrigerator. not to drink Red Bull because it's. really bad for you. Yet, you purchase it every day at work. So, this trying has failed. So, just.

either quit or do it smart. Well, I quit. for a while, you know, like a long. A long time I quit drinking Red Bull cuz. it's not good for you and I don't agree. with drinking Red Bull. Yet, on the. statement is a Red Bull purchase every. other day. But, when you're there and. like you're tired and like. So, do it smart. If you're there, you. can purchase a pack from the aisle. Yeah. I mean, I Yes. And then that gives. you at least four for a more affordable. per ounce price. not to drink them, like why would you go. buy a whole pack, you Cuz obviously this.

is not working. You just have to You. have to pick the smart choice cuz you're. not resisting. You're not resisting. But, I'm trying. No, you can't resist. Red Bulls, you can't resist gray hair on. men. You You This is You have to make. the right choice. You need to move on. from him and and move on from Red Bull. Or if you can't move on from Red Bull, you need. So, are you saying if I can't move on. from him, I should. Huh? Huh? No, you should talk to a therapist about. that. This is every second of your life.

And also some of them are more They're. never the same price. So, you're getting. more than just a Red Bull. You're. getting a snack and stuff, too, sometimes. Or you're doubling up that. bill. the small ones and then it's the bigger. ones. So, it just depends on the day? Yeah, if. it's a bad day, we got to. Even even still, literally not one of. them were the same price. Like, there's. it's always different. It is always. different. There is not one that was the. same price. Are you sure? Yes, I have the numbers in front of my. eyeballs. might be like a little a snack with it. As in the thing I just suggested 30. seconds ago, but you couldn't.

comprehend? Yeah. Might be. My gosh. But, normally it's just the Red. Bull. Oh, by the way, fun fact, I forgot. to even mention it. On the credit card. that you were at least making the. payment on, you have missed like eight. payments this year so far late. So, is that even like you paid those. payments on time anyway normally? But, that was back when that was before. I got my raise and I really was having a. hard time. What was your income again. before the raise? So, it was 16 every month. No, every. every bi- bi-weekly, it was 1,600.

Yeah, it was 1,600 bi-weekly. Okay, yeah, you got a $500 raise, that's. great on a monthly basis. $500 a month. net. I mean, no, no, no, good raise for. sure. Should not make or break your entire. life with the price of your mortgage. That does not make sense. That does not. make sense. You spend ridiculously. You spend ridiculously. Cuz I didn't have enough money. Cuz you. spend ridiculously, lady. If you don't. fix your habits,

There you go. Purchasing it from your store, $5.97. Purchasing it from your store, $2.29. Purchasing from your store, $4.28. Purchasing from your store, $11.51. Purchasing from your store, $8.90. Speedway, you went in and got another. Monster, purchasing from your store, $3.22. Purchasing from your store, $4.11. Purchasing from your store, $4.24. Purchasing from your store, $7.25. Then you went to Dunkin' Donuts.

to swip- switch up the kind of caffeine. we're getting. Then you went Taco Bell, purchasing from your store, $1.94, purchasing your store, $2.29. Circle K winning, got a bev. Arby's did. up the yellow deli, expensive, $25. Speedway winning, got that coffee, purchasing from your store, $1.95, purchasing from your store, $5.09, purchasing from your store, $5.35. Sonic Drive-In, purchasing from your.

store, $2.76, purchasing from your store, $2.76. There. you go, that's the same price. Purchasing your. from your store, $8.18. Speedway winning, got a coffee coffee, Jack S. some restaurant, purchasing from your. store, $6.12. Uh or actually, sorry, that one's $2.76. Then oh, there's Marshalls, that's not. TJ Maxx. And $17.56. Where are the TJ Maxxes? You keep.

talking about TJ. I didn't see TJ, yeah. Purchasing your from your store, $3.22. What the [ __ ] are you talking about? Like. like I just don't realize And then Happy. Hollow, $20. Happy Hollow. Surprise, there's no overdraft fees. I. don't I But you do have monthly fees. because you don't have enough money in. there. So, you're giving your bank $5. just to exist. Like that's a joke. That's a joke. Do you have any other. debts that I don't know about? Any. family debts? Any friend debts? No,

nothing like that, no. Surprised. I just don't realize. And what's up with your dad? My dad? Nothing. Nothing. Just just not with your mom? Oh, yeah, no, they're just not together. Okay. Yeah, they're just not together, so. Okay. I feel like if you have a lot of room. left in your budget after I make you a. budget, I'm going to be pissed. I don't think that I pay for groceries. Like I really think that you will see. Well, I will say on my own. Why I. struggle so much? Well, I'm about to.

find out. $3,708. what comes in debt minimum monthly. payment is 186 bucks. After Wait, sorry. 583. probably. You know what? Let's say that minimum. monthly payment on that other one that. you said is more is 200. Mhm. Okay, 200. Okay, minimum monthly payment 683. Mortgage? Mortgage is 1498. What's your interest. rate? Eight No, six. It's 8%. On your mortgage? Yeah.

When did you get your house? 2022. They raised the rates in '23. Why was it so bad? Did they start raising at the end of. 2022? When When in 2022? It was the. beginning, so it was. Why is your rate so bad? I actually purchased it in February of. 2022. So. Okay, water, gas, electric? Average it out. Average for electric I. would say is like 250.

Summer months it's more expensive, but. Keep going. Gas? And then um gas, water. is like 75. Is it combined? Yes, it's combined. Okay. Internet? Um my mother pays for that, so. another. Phone bill? Um that is 186. You own your phone? Well, my mom's phone. is on there also and that I own hers and. mine, so. Oh, on both? Yeah. Oh, for. sake. Can't even get you to switch to.

Helium for 15 bucks a month. to take care of my mommy. Well, yeah, but you can own the phones outright and. then you can both be on Helium 15 bucks. each. Well, I'm paying them off. T-Mobile service. Yeah. Okay. Gas, vroom vroom, drive, drive on. a monthly basis. Very expensive, so like my I live Yeah, a number. I live probably 60 miles away. from work. So, I would say on average a. month it's around $300 400? Car. insurance? Car insurance is 380.

TP fund, anything else you need to. survive? 100. Your mom's social security. can cover her TP fund. You don't pay for. groceries nor do you need to cuz she. does. Medical health care. Anything ongoing? No. Do you have any pets? You have a dog. I've got a dog. for pet food? And then I have my little. piggy. How much huh? My little piggy. Pig? My pig. My pig. How much for pet food on a monthly. basis? Probably around I'm going to say 70 cuz. his food is a little bit more expensive.

He eats a lot. Okay, do you have pet. insurance on the dog at least? I don't. know if pigs can get it. think pigs can get it. Okay, get pet insurance or else you're. being a selfish pet owner. I'm going to call that 40 bucks a month. So, no medical health care. Gym? Yes. Um $30. It's like 28. 28 then. Anything else that needs to be in your. budget that I have not taken account. for? Um I've got a Spotify. No, you. don't. Yes, I do. I have a Spotify.

Well, we put in things like that after. the fact. These are your needs. Come on. Well, I cut off all of my subscriptions. when I moved into the house cuz I. couldn't pay for them except for Spotify. because like I drive such a long way to. work every day. Let's see if we can fit it in. I feel. like I need it. I'm not against fitting it in. It's like. the only thing I have. You can't fit it. in. Can't? Nope, you are under by $2. See? I mean literally if you can't. afford it. I mean this is because your debt minimum. is payments. You've allowed yourself to. go up and you got a mortgage that. honestly you couldn't afford. Then you.

financed phones you shouldn't have. Again, we get rid of the financing of. the phones. You get rid of some of the. minimum debt payments even just one of. them. All of a sudden you are able to. not only break even but start making. progress. Cut the gym. Unfortunately, I. you have to go on walks around the. neighborhood. Listen, I get it. gym. I listen, we both do. Great. Listen, you're literally under by $2, so. that only goes up. Plus I'm paying to. Jim is Jim is great. to actually go into the branch and. cancel your membership. Shut up for a second. Jim is great. Yes,

you do a little effort. Jim is great. You're just going to be focusing on home. stuff for a bit and walking and jogging. and stuff like that. Just until you have. you know, we have to cut everywhere we. can. Yeah. And I'd rather you have pet. insurance than a gym. No damn it. Why'd you buy so far away. from your work? Well, can you transfer to one closer? No. Why? I just can't. There's no. There's There isn't been no openings. I mean, there I could.

But not right now. There's not any. But if there is, you'll take it? I'll. try. I'll try. can go from 400 to 200, boom, we start. making moves. Yeah, much easier. But that's why I'm saying like if I take. out a 401k loan, and I know this sounds. crazy. No. But sometimes it's not always like. black and white, you know? No, it's not. black and white, but I'll tell. the 401k loan and I pay off my car and. all those credit cards, then it cuts. that minimum monthly payment. Cuz that doesn't make sense for you. because your behavior got you here. Your. 401k loan is a shortcut. A shortcut that.

is not good cuz it's also tying up your. retirement and also it's going to be. like 13, 14%. Is that better than some. of the credit cards? Sure, it's not. better than your car. But either way, either way, here's the thing. You're not changing your behavior. You. didn't work to get out of debt. And. Shut up for a second. If you didn't. change your behavior, your debt will go. back up. It's happened a thousand times. on this show. A consolidation loan, a. personal loan, a credit card transfer or. 401k loan just to pay off a debt, your.

credit cards go back up again. That's. what will happen. I would rather you work to get out of. debt because it's more sustainable. I'm. not against personal loans or. consolidations or debt forgiveness. programs. I'm not against any of that, but you have to change your behavior as. you're doing it. If you don't change. your behavior, you're going to end up in. debt again. You're on track for being close to the. right retirement for your age. That. $8,000 is denting against it already. But you're relatively almost on track.

You're going to start [ __ ] yourself. Here's the actual solution for you that. I would personally do. Mhm. Me? You said. Your schedule's unpredictable. So, does. that mean the day's unpredictable? Yes. So, like I don't have the same days off. and then I don't work the same hours. schedule. And then because I'm salary, like if there's a need to stay over, then you stay over. And then if there's. a need to come in early, you come in. early. you to get a part-time job, but I don't. know how. Yeah, with that schedule. That's why I was doing the DoorDash. because it's. like that's reasonable.

How was your Door- DoorDash earnings. versus gas and. It wasn't good. Yeah, I wouldn't think so, especially in. the town like that. Yeah, like the There was no tips. So, I. was making just what you make from like. the actual DoorDash. Yeah, the only tip you're getting is. gray-haired 40-year-old. Listen, you're breaking even by at least. cutting the gym. Yeah. Phone bill. shouldn't have done that. You really shouldn't have done that. That really pissed her off. Utilities, you're going to have room some months,

some room you're going to be over. Mortgage you can't afford. You bought. your house in 2023? Two. Two? What's the remaining mortgage? So, I got. 176 left on it. 176, okay. And I. purchased it for 200. Fancy little computer. It's touch. screen. It's an iPad. I like that. Listen, is that the. two acres of land, too. I feel like I did well for myself, honestly. The pig ruins this solution. This solution. I'm not against the pig.

thing. I love it, actually. You need to. see him. He's the cutest little baby. He knows how to stand. Well, I was thinking about getting rid. of him. I was, because he keeps getting. out of my pants and I'm afraid. somebody's going to like either shoot. him because. Someone will adopt him. I don't think so. Like where I work, there's a bunch of Amish people. Like. it's an Amish community. And I thought about maybe some but I. think. eaten. Yeah, they'll eat him, I think. You're okay with your pet being eaten? No, that's what I'm saying. Like they're.

so cute. They're so cute. No, not to the Amish. What. What It was like an option. It was a. thought and then like I was kind of. talking about it. Lady, listen. They're going to eat him. I said, "Oh my. god, my piggy. Not the piggy.". I think you I think the best solution is. actually selling your house. and moving to a rented place, but with. the pig you can't. No one's going to. light up a pig. And I have um my dog. Yeah, you can do. that. My beagle. You can do that. The. dog's fine. There's a few There's some landlords.

that will say no, but there will. I think cuz you have an you definitely. have an equity position. I'm guessing. you'd walk away with at least $40,000. I'm I'm guessing this estimate's over by. like $20,000 or something. You probably. could walk away with like $40,000. I'm. not. I don't necessarily want you to wipe it. Maybe we wipe the car with that and then. we pay off the credit cards via. behavior. That's what I want to do. And then you stuff the rest aside. for a down payment on a home again in.

the future, but you just simply won. The. mortgage is pretty unaffordable to you. You know what I'm saying? You're just. behind on your stuff. If I didn't have the minimum monthly. payments, I feel like I would be okay. No [ __ ]. So like that's what. Oh. That's what I'm trying to figure. out. the show. Is like the best way to get. rid of these? Because that's really what. holds me back is like the minimum. monthly payments and then. What would your minimum monthly payment. be on this 401k loan? If I took the loan. out, it would stay the same.

It would be like $100. Uh pardon me I I don't like this cuz it. vibes with my. Huh? No, a part of me is my morals don't vibe. with this cuz I believe if you borrow, pay it off. But I almost let the other one the. credit cards go to collections at this. point cuz your credit score is already. ruined. So, it's just like and then you. just you hope they don't legally go. after you, which they could. I mean, that $9,000 balance on. one of them is pretty big, so they could. go after you. Yeah, I don't know if. that's going to. it in the legal process. I really don't.

want to do that. I know. So, it's. definitely a risk. Yeah. Maybe one of the debt. programs where they you go into the debt. program and then they negotiate it. It's. really difficult. You're on that edge. where there's really nothing to cut and. I don't know how to get you a part-time. job cuz your schedule is so weird. I. think you need to move closer to you as. soon as you can or you need to sell the. house. Don't know what you do with the. pig. You need to cut expenses anywhere. and everywhere you can. This is already. without food. I don't know. So, I'm.

starving. down our phones a little. And I'm not. going to the gym. Maybe we're trading. down our phones a little. You're not starving. You're not going. out to eat except your mom buys the. groceries. She does. So, shut the [ __ ]. That helps out a lot. And then you start cracking at these. debts one by one. And you'll get there. Just go smallest. to largest. I'm making the monthly the minimum. monthly payments on the Savior. It's just the bread. You missed You missed five this year. Well, it was when I it was.

up. I got that extra 500. I don't care. You still missed five this. year, so don't say I'm making them. Buddy, there's not. You missed almost half of them this. year. But when when I got my raise, that's. what I paid towards it. it, but your spending likely increased. as well cuz look, we have your spending. I don't know. There's some potential. solutions. This one's going to be hard. Why don't you sit down with the. financial advisor? See if they have any. extra thoughts. You know, this is a live. thing that we're doing right now. Maybe. something's not popping in my head that. you know, I could be thinking about. Um, so maybe sit down with those financial.

advisors at Domain Money. They They. might be able to help. Either way, I'm going to call the dude. on my number in the post show. We're going to have that crazy. conversation. So, make sure you guys. join our YouTube membership. I recommend. elite for thousands of hours of extra. content, exclusive audits, a call-in. show where you can talk to us, a lot of. other things. And live streams as well. Let's get your. Hammer Financial score. Spending a bunch of your spend debt. No collections, but 401k loan. That's really bad and not paying on it.

I can't give you better than a one out. of 10. Emergency fund didn't have any. savings, zero out of 10. Retirement is. relatively good. I'm close to giving you. like. You know, it would have been damn like. eight and nine, but you take it for. score? I don't know. For on the retirement. part. But, your 401k is definitely. bringing it down to at least a five out. of 10. Real estate, you do own a home. The mortgage is too expensive. The. interest rate is not good. That's. honestly probably what's killing you. Maybe refinancing it at a lower rate.

Well, they say that it matter. mathematically justifies if you can save. 2%. This next rate cut, see where mortgage. rates are about a month after that. If. you can get under 6% refinancing your. home. You have a shitty credit score. Your debt to income is horrible. You're. not going to be able to refinance. Not for anything worth it. Real estate, because of those qualities going against. you, I'm also going to give it a five. out of 10 cuz it's a risky situation. Hammer Financial score, two and a half.

out of 10. Real estate saved you. Congratulations. All right, y'all. All of our education is bundled together. for 15% off. I'll see you guys in the. post show. Make sure you join that. Link. in the description below. It's about to. be a wild one. So, you still love gray. hair. I don't know. It's hard to say. I. do. That's emotional cheating. Call him. He didn't want me to come on this show. He's a bad person. Oh, yeah. I'm getting. nervous. Listen, he was a dick so we can. [ __ ] him over, all right? Hi. Hello.

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