How Is This Possible... | Financial Audit

So, you know, a little like boob job. That would be fun. >> What's the boob job on this show? [laughter] What is everyone doing? Boob. jobs. What is that like 2010 to $20,000? You're in horrible debt. >> When you put it out there that you're. going to like set a goal and you're. intentional with it, you can put it on. your board. >> You're bored. >> Yes, you're bored. I have spending. amnesia. >> What? >> I don't like to look at my bank account. >> Is that an option? >> It could be. It could be. >> How could it be? You're literally dying. >> You're You're struggling. Hammer Elite is the best YouTube.

membership on the platform and I just. upgraded it. Get access to exclusive. shows every single day, Monday through. Saturday. And for the rest of the month, I am paying for you to sign up. [music]. 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 [music] anywhere and in. most countries. This is the best. membership you'll ever join. That's a. promise. Hi, I'm Bianca. I'm 38 and I [music]. live in Tucson, Arizona. And this is.

Financial Audit. I. >> usually don't know much about a guest. before they come on the show, but I did. hear you like to 17year-olds. >> What? No, I don't. >> What is that? [clears throat]. No, >> you got impregnated by a 17-year-old. >> Oh, I mean, to be fair, I was also 17. God [laughter] was like, I thought you. meant right. >> Correction, you were 18, but not that it. matters. I don't really care. I don't. really care. [laughter] But I was like, when did I do that? >> The last time I did that on the show,

someone got very defensive. [laughter]. So, I wanted to see what you did. >> I was like, what was Yeah. Thank God. That was like 20 years ago back when I. was. >> Actually, yes. [laughter] Well, yeah. >> So, okay. Wow. So, this kid's out of. high school then? >> Oh, yeah. He has a whole job. >> You look pretty good for your age, actually. No, you look very good for. your age. >> Yeah. >> Okay. Well done. Congratulations. >> My grandma put me on a skincare routine. at like 16. >> Yeah, that'll do it. And you're Asian or. something, so that probably helps. >> Mexican. >> Yeah, one of those. >> Close enough. >> Okay. So, what do you do for a living in.

Tucson? >> I'm an I hear is a horrible place to. live, by the way. Horrible place. I hear. it's like literal dog twice, but. >> horrible, horrible, horrible. >> Maybe if we send the dumbest city in the. whole country, it'll bring back the old. Peter. >> No, we a it has really pretty sunsets. and we have a mountain. >> A mountain? Well, a mountain range. There's multiple mountains. >> Well, usually it's rare to have a. mountain. >> Well, I mean, we do have a mountain in.

the middle of the city. >> Okay. What do you do? >> I'm an operations in the mountain town. >> Oh, you want like like in the m Yeah, operations. >> Okay, very good. For like what kind of. industry? >> Healthcare, >> right? Okay, great. What do you make? >> Um, you should be in the height of your. career. Around 40 is peak earning if I'm. not mistaken. So, >> I hope not. Um, but I bring home 5,000 a. month. Well, if that's the height of our. earning, you certainly kind of. >> I don't want that to be the height of my. earnings. >> Well, just if we're just talking like,

you know, average person, right? >> Okay. >> Well, no, actually, no. No, you're kind. of right on track with like the the. median American at that point cuz that's. $60,000 a year net. >> So, not bad. And Tucson is not one of. the more expensive cities if I'm not. mistaken. I mean, >> I know Phoenix, you know, definitely. goes through it bubbles and waves as a. boom town for sure, but Tucson, no one. wants to live there because everyone. would commit if they did. >> But $5,000 there. >> Okay. How you doing on $5,000 in the. desert with how many kids? How many.

17-year-olds stuck it in you? >> One. Four times. Well, more than four, but four took. Yeah. >> Good for him. >> Yeah, we have four kids. >> Okay. >> But one is already moved out, so he. doesn't live with me. Wait, what are the. ages of these children? >> Um, 19, 17, 13, and 11. >> Okay. It's honestly rare that I have. someone that has kids that are like. actual in like adult territory. >> I know it's weird for. >> what do they think about mother coming. on financial a.

>> what are they going to think when they. see mother on financial aid tell my. 17-year-old he's very excited for me. >> cuz he knows he's going to get cooked. and he wants that. >> I don't know. Well, he knows I listen to. you on the car rides and they get so. annoying and they're like, "Do we have. to listen to this?" But I said, "I'm. going on your. >> What the [ __ ] is wrong with you, 17-y. old piece of [ __ ] Go [laughter]. stick it in an adult like your dad did. 17-year-old freak.". >> Yeah. When my kid turned 18, he's like, "You could be a grandma." And I'm like, "Oh my god, I could be a grandma right. now.". >> Well, yeah. I mean, they are in those. ages. Okay. So, what's what what's going.

on? What's going on? You're certainly. for operations manager, which sounds. like a little bit more where you are. It. ranges from 60,000 to over $100,000 a. year in Tucson. Um, which averages. landing between 70, which is closer to. where you are. You're about 75 70 to. $90,000 a year. So, you're in that like. Yeah, you're in that middle range. Okay. And top earners usually 100 to $120,000. a year. So, you're in that average for. sure. Okay. So, again, how you doing?

Cuz this Yeah, it's a lot of kids. Are. we taking care of college now? Let's. see. That's a conversation we usually. don't get to have on the show. What's. going on? >> Yeah. So, I actually my second son's. about to go into college and I want to. pay for his college. >> Well, you're How are you going to do. that? >> Cuz no offense, you don't get to come on. [laughter] the show unless you're That's. how it is. >> I know, but he deserves it. So, I'll. figure it out. >> Well, hold on. What is the deserve? I. don't know about deserve. He might. >> He does. He's a good kid. >> Okay, fine. >> I'm not a grandma by now. That's. >> a 19-year-old not.

>> He is a good kid, too. >> Is he a piece of [ __ ]. >> No, of course not. No, no, no. >> But he doesn't deserve it. I mean, honestly, if he I told him if he wanted. to go back to school, >> what's he doing? >> He's a plumber. >> Oh, plumbers will make a lot of money, and I don't really see that being. replaced by AI. So, >> he's gotten three raises in the year. that he's been there. >> Well, with a 17-year-old, is he going to. go into community college or you going. to be enabling like an art degree at a. four-year institution that he chooses. for a sports team? >> Hback. >> Okay. So, this household, real Mexicans, we like that, >> right? Yeah. >> Yeah. Okay. Full sombrero DNA. We love.

it. We support. >> get a scholarship for half his school. So, I think it will only be just a few. thousand for the other half. >> So, why are you here then? What are we. talking about? >> So, I want to pay off the debt that I. have now because I want new debt. Like, I want to pay for other stuff. >> Mortgage. I'm hoping. >> No, I already have a mortgage, but I. want to redo my backyard. But that's. going to be like $50,000. So, I need to. pay off all this. >> SAID IT'S DIRT. >> It doesn't matter. I live there. I live.

there. It's dirt. How much does dirt. cost? 50,000. >> No. No. I concrete. I want to redo my. whole entire backyard. >> You want concrete. You want your yard to. be concrete. I guess that's better than. the rest of the dirt. >> I want it stamped to look like slate. >> Okay. So, it looks Yeah. You know. So, I. have a wood fence right now. And I want. to replace the wood fence. I know, right? So, I want to replace the wood. fence with what. >> with a brick. No, a brick with the. indoor lights. Like the lights are on. the brick. What is this house even valued? I have.

$50,000 yard. >> It doesn't Listen, it doesn't matter the. value of my house. Are you going to stay. there forever? >> Yes. I want to live there forever. >> What's the point of moving? I don't like. moving. >> What's the point of a different house? >> No escaping Tucson. I can't do that. >> Mhm. >> So, anyways, I want it to be like all. slate with a fire pit pit and a gazebo. and a sheet. >> It doesn't matter. I live there. Like, I. live there and I'm not going to ever. move. So, I might as well have what I. want. because I live there. >> Usually what most people want is to not.

be in Tucson. >> I know, but I can't move. >> Okay. So, $50,000 yard is what I'm I. guess I'm getting you to after paying. off debt, going into debt for what else? >> You know, I'm 40, so I could almost 40. So, you know, a little like boob job. That would be fun. >> The boob job on this [laughter] show. What is everyone doing? Boob jobs. What. is that like 10 to $20,000 fun? >> Yeah, it would be. >> How are they now? >> They're not fun. >> Saggy. >> They're non-existent. >> They're tiny. You're flat. >> Yeah. So then I could have some be like, "Do. you guys want to see my boobs?".

>> Who's you guys? You're. >> whoever. >> You just go around saying, "You guys. want to see my boobs?". >> Not to random people. >> Well, first of all, I think honestly, other than like the weird chronically on. freaks, most people would actually be. pleasantly happy with that request. Just. saying. So, feel free to test that out. Number two, >> so we'll see what happens. >> Number two, are you married? >> No. >> Okay. Wait. Okay. So, the 17-year-olds, you divorced him. >> Yeah. >> Okay. >> That was my first husband. He has a lot. of time on his side.

>> Oh, >> what is Yeah. I don't know. Yeah. No. >> Okay. So, you're trying to get some tits. so you can get another one. Oh, wait. First, Elizabeth, how many have you had? >> I have two. I had to. Had to. >> Okay. >> Why'd you break up? It was a 17-year-old. father of Aldi's. >> Yeah. >> Why did you break up with a 17-year-old? >> He um. he fell in love with somebody else. >> Someone with tits. >> Huge tits. Yeah. >> Yeah. That happens. [laughter] That. happens. That's true. I like her. >> Yeah. >> Or her tits,

>> you know. I like both her and her tits. >> Okay. Very good. I like that. Wait. >> Yeah. >> Oh, wait. No, no, no. >> Okay. No. I I had to do the math cuz I. met someone in the green room. Someone. very hot, by the way. Someone that. [laughter]. My goodness. But she's your. sister-in-law. Meaning Okay. Yeah. That's your brother. Okay. This is not. This is not a new wife. >> Her brother. Because. >> I I was married to her brother, but. she's my sister. Because when you get. married, then you become then she. becomes my sister. So now she's my.

sister. >> So your ex is related to her. >> Yeah. My ex-husband. is her brother. >> Okay. Okay. Okay. >> I Yeah. >> Yeah. Stunning. By the way, >> that lovely person in there. And. Okay. Hey, you got with someone else and. you and none of these kids are that one. >> My second husband. >> Was he 17? >> No, he was not 17. He was my age. >> I'm right here. Hello. Hammer Elite is. free right now, but you got to submit.

proof of purchase at hammerite.com so. you can get your $10 digital gift card. that covers it. I know. That's a shame. you don't like that usually. Okay. >> Yeah. >> Okay. >> Yeah, that was very Why? What happened? >> It was just a short shouldn't have done. it and then we did it. Uh, I don't know. [sighs]. >> Why'd you end it? >> He wasn't great with money. He wasn't. like, >> "Girl, I know you stupid. What are you. talking about?". >> Okay. Well, he didn't. >> Not great with money. What are you What. are you on about? That is. >> I make enough money. >> You're literally talking about financing. 10 to $20,000 of tits in a $50,000 hour.

yard in Tucson. >> I can afford it. I'm not making $13 an. hour. >> It's not about No, no. It's never about. income. It's about your entire financial. situation. I'll fix it. Okay. How much. debt do you have? How much debt do you. have? >> Oh, including the house. >> That is debt. You. Um, I forgot what I bought my house for. >> How much debt do you have? Not including. your debt. >> Please hold. I'll do it all. >> Not including your house. How much debt. do you have? >> Okay. Okay. Okay. I'm going to say. 20,000. >> Okay. Yep. You're broken. 37,000.

>> Okay. >> So, he's bad with finances and that's. the reason you broke off your What are. you talking about? No. >> That's not even including a mortgage. that you want to add an additional 50 to. for a yard, for dirt, for [ __ ]. >> It's concrete. >> So, you can look at the mountain. So I. don't have So I don't have to clean my. yard. >> Your entire thing is going to be. concrete. >> Yeah. I don't like yard work. >> It's dirt. >> Yeah, but dirt grows weeds and then you. have to clean it. I have a giant. mushroom. >> So what did you learn from this second. husband before you get our your third?

>> If you have doubts, don't get married. >> If you're trying Did you get married? >> I did. >> Okay. And how long did that last? >> Like a year. >> Yeah. I. >> And why' you end it? >> It just wasn't working. >> Okay. And how long ago was that? >> Like two years ago, I think. Yeah, I'm. sure. >> So, we're trying to get new tits so we. can get a third. >> But to be fair, I have wanted tits since. I was born. Like since I was like a. teenager. >> Oh, teenager. Okay, that that makes more. sense. Since born's a bit odd, >> since I was like a teenager, I'd wanted. them.

>> Okay. Why haven't you You've prioritized. obviously other things, including a J. C. Penney card. So, it's like. [clears throat] you could have done. this. No, you've been bullshitting your. entire way to here. You could be in fake. hit territory. Why aren't you? You could. have them right now. Those things could. be hanging on the desk landing flat. We've had them. We've had people come on. and just flop them out. That could have. been you. What have you been doing? >> Going on vacation. >> So that's more important than tits. >> Yeah. >> Okay. Sure. If it is. But listen, you've. been going into debt for it's more.

important than yard. It's more important. than paying for your kids school. How. are you paying for college? How are you. paying for college for the 17-year-old? How are you paying for college for the. 13-year-old in a few years? How are you. paying for college for the 11-year-old? than a half a decade or so, a little. more than that. But even still, how are. you doing all that if you have $37,000. IN BAD debt outside of your mortgage, $50,000 of future debt for dirt, and. then $20,000 of future debt for tits, which by the way, >> but listen, if I don't even feel good.

anyway. So, it's like others will be. well, actually, Brandon would appreciate. them. Some people like them fake. I. don't understand it. I I'll never. understand it. >> They just It's not right. It doesn't. work. I'll figure it out. It just. happens. >> Oh, that's. >> Yeah, it will happen. >> That's our entire argument. >> Yeah, it will. Listen. No, I I'll lock. in and I'll pay off all. >> lock in. Why haven't you locked in? You're almost 40. Lock the in. What's. wrong with you? Lock in. What are you. talking about? You're going to die in. double your lifetime. What are you. talking about? Lock in. >> You just have to go on vacation. Like. mental health vacation. It's a whole.

thing. >> Mental health vacation doesn't have to. mean actually going wherever. Mental. health vacation could be literally just. going on a walk around the block. >> No. No. No. No. No. Yeah. >> If it's not on a flight, it's not a. vacation. >> What? Road trips are not vacations. >> No, I cannot do a road trip. >> Okay. Well, you cannot, but people do. road trips. People do road trips. >> No. For what? No. >> To go fly there? No. >> Okay. Yeah, sure. Fly there. But also, that's is not true. Vacation like you're. going to a vacation destination. That That's not the definition of a.

vacation necessarily. >> I don't know. I feel like I feel. >> How frequently are we doing these? I. feel like I could probably once a. quarter have a nice vacation. >> Oh my gosh. How? No, you're you're in. horrible debt. >> and you want to do $50,000. >> If I pay off my debt, then I'll be able. to afford it. The math will math. >> Yeah, but how can you do that if you're. going to do a $50,000 yard and then 20. for tits, which is more debt than you have now. outside of your mortgage. Like, you'd be.

more than doubling your debt. >> Yeah, but see, this is manageable debt. right now. So then once it's paid off, >> manageable. Then why are you even the. here? Why? If it's manageable and you're. able to just lock [laughter] in as you. say, if it's manageable and you're able. to just lock in as you say, why is the. debt even here? You would pay it off if. it's manageable and you can just lock. in. The are you talking about. manageable? >> Maybe it's not. Maybe it's not quite. manageable. >> What are you talking about this lock in? What lock in? There's no lock in. You've. never heard of lock. It'll happen. >> What have you ever locked in in your. life? Where's your lock in? The only. locked in you did is when you saw a.

17-year-old across the room and you're. like, >> he was walking on the side of the road. Thank you very much. Yeah, that's a good. place to pick up a minor. >> I was one, too. It's not like it was. wild. >> You were 18. >> It happens. >> But either way, I really don't care. about that. I'm obviously just joking. about that. Twitter, Tik Tok might, but. >> don't care about them. They're not real. people. >> I'll lock in. >> I I saw I saw your face and concern when. I said that. Don't worry. They're. literally not real people. None of us. take them seriously. Don't worry about. it. >> Um, but obviously I'm going to joke. about it. Okay. But but either way,

what's your lock in? I don't see lock. in. >> It will happen. I it will happen. >> No, that's not an argument. >> I mean, >> where's your lock in? Okay, fine. We. know how much came in about five. >> Oh my god. >> How much went out? Lock in queen. >> Uh I Okay, here. I have spending. amnesia. >> What? >> Spending. You know, you just like swipe. the card, tap to pay. Don't know. Don't. Just. >> No. That sounds like personal. responsibility. Your choice being a.

dumbass. Like 7,000 I'm going to guess. Well, no, maybe less. I'm going to say six. I'm. >> You should have stuck with the original. one because it's much closer to that. $6,715.32. Yeah, the payroll that came in was. $4,978. >> What? >> Okay, [laughter]. >> listen. >> Lock in again. What the are you talking. about lock in? There's no lock in. I've. never seen lock in. Once upon a time, what? Once upon a time, what? You have. four kids. Look where you've ended up.

Nothing's working. What are you talking. about? And you're going to pay for their. college? Good. The [ __ ]. >> I I did I did lock in one time. >> when. >> a few years. >> And does it does it even matter, dude? If you were doing perfect now and you're. a complete degenerate piece of [ __ ] 10. years ago, I wouldn't have cared about. that. I wouldn't have cared about that. I don't give a if you're doing good 10. years ago. If you're doing a piece of. [ __ ] now. I don't give a [ __ ] Okay. But. tell me about your lock in. Sure. Lock. in. >> I lived with my dad and I paid off a lot. of my. >> You lived in with with your dad though, but now you're taking care of your kids.

Okay. When was this? >> I lived with him like 2 years ago and. then I bought my house. >> But you're locked in. It was 2 years. ago. >> I mean, locked in and. >> you've accomplished this freaking 2. years. I thought maybe this was like a. decade of. >> No, no, no, no. I mean, it fluctuates. It's up and down. Sometimes I lock in. and sometimes I forget to. >> You save 10,000 hours. I'm being told. >> Yeah. And then I bought a house. >> You got from 10,000 to -37. >> I bought a house. I had to buy things. for it. >> I had nothing. >> No, that is not had to. I don't think. you know what had to is. You do not have. to. had to. It was a had to.

>> Okay. What's your had to? It's like an. HVAC system. Sure. But wouldn't that be. taken? >> You know, like furniture. >> Oh my. Do you know what had to is. >> a table and chair? Tables and chairs. >> Did not have to in the moment though. If. it's going to put you underwater and put. you at risk of foreclosure, put you at. risk of not being able to replace a. roof. Put you at risk of not being able. to fix a window if it breaks. That is. not a had to. You cannot buy a house. until you at least I would at least 5%. And I'd recommend minimum 10, but at. least five. I wouldn't get a house. And.

then also a full six-month emergency. fund before doing it because people get. when they get into a house that they. can't afford. Like what are you doing? Had to. What the [ __ ] are you talking. about? I had to. >> So that's your. >> that's your lock in. >> Yeah. >> The best you've ever done by 40 is. 10,000 hours saved up on the side. >> Life happens. >> That's your argument. [laughter]. >> Yeah. Yeah. You know what? >> No, that's not a good argument. Life happens. What are you talking. about? It does. It just. >> The most you've ever accomplished is. $10,000 by 40 and it's gone. You're -.

37. >> When you put it that way. >> No. Well, that's the real way. What? What? Okay. What other way is there to. put it? >> I don't know. I. >> So, what are you talking about? You. can't tell me you locked in then. You've. barely accomplished anything ever and. certainly nothing to show for it. I. mean, a house. Sure. That's good. If. you've only bought it recently, >> my car that's. >> when. >> an accomplishment. Oh, like 5 years ago. [laughter]. >> Okay, great. Yeah. So, the more so the.

loan ended up being done. Yeah, great. Yeah, that happens. >> That hap Hey, some sometimes. >> Yeah, but you didn't do anything extra. special with that. You just keep making. your minimum payments until it was done. That's that's what happens. Same thing. will happen to a credit card if you. don't purchase on it in decades. I mean, >> that's fair. Also, it was a $10,000 car. It's not like it wasn't crazy. It wasn't. like a That That's That's like what I. would recommend anyway. So, it's. >> Well, I don't know.

>> You don't know what Wait, what do you. not know? >> I think I did. I think I'm doing okay. >> Why? You're one emergency happening to. this house away from not being able to. take care of your kids. I It sounds like. you have a good dad, but I mean, you're. ancient, so he's going to be He's extra. ancient. It's not going to be around forever. >> I'll I'll figure like listen, the new. year's coming and then. >> Oh, don't do that [ __ ] People fall. off their New Year's resolutions. endlessly. That's not a good argument.

You should be taking actions today even. though it's a few days before New. Year's. >> Yeah, >> that's what I would say. >> But okay, >> so what is your current budgeting? What. do things look like now? How do you. manage your finances now? >> Um, so I get paid my first paycheck and. I pay all of my the bills, right? like. electric minimum payments on the credit. cards and then or. >> you pay your minimums out of the gate. >> Yeah. >> Manually. They're not automatically. taken. So you you get paid and you. immediately take care of your manuals,

>> right? Like some of the credit cards. that I forget about are set up. >> Why are you forgetting? What are you. talking about? Forget about you know I. have like $60 on this card. I'm like, "Oh yeah, I forgot about that." And so. that one is. >> Okay. So you do not sit down and. actually manage your finances or else. you would not forget about it. >> I forget that I used the card. But if. you sat down and managed your finances, you'd see that you used the card. I'm. I'm confused. Okay, continue. Let's talk. about student loans. I know it's. something we all avoid talking about,

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Or call89733978. That is 8-9733978. break free from the high interest trap. and get your finances under control once. and for all. That's kind ofing stupid, I'll be honest. But what's not is. actually getting a checking account that. gives you free money. Free money. We. like free money. You can get up to $350. in bonus cash right now. When you sign. up for the checking account that I use, Chime. Also, it makes your savings grow.

at a 3.5 APY interest rate. Guys, you. can watch Financial Audit and get free. money at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Time. GET THAT $350 RIGHT NOW IN. your checking account. >> So then I pay all the bills with my. first paycheck. And then I know that I. need to save minimum of a,000 or 800 for. my mortgage on my second paycheck. >> So you're paycheck to paycheck. >> I if I guess. >> Yes. Well, no, because I have extra.

money saved until I get paid again, but. I can't. >> And then. >> like I need the second paycheck [snorts]. and a little bit of my first paycheck to. pay my mortgage. >> Oh, your entire second paycheck and your. a little bit of your first paycheck. Your house. >> Well, just in case. >> Just in case of what? >> I don't know. Things happen. Like, >> no. You said for for your payment, you. need your second check plus a little. from your first. >> Yeah, because I like there to always be. money in my bank account. >> How much money do you leave in your bank. account? like the thousand dollars. I. always want there to be.

>> And is there always a thousand dollars? >> Not always. >> So what happens? Why not? >> I don't know. They just like tap the. card and I'm like, "Oh shit." So. >> who taps the card? What the is. >> I do? I When you say they shut the up, it's you. >> Okay. Okay. I I tap my card. But after I. pay my mortgage, then it's kind of like. trying to make it through until I get. paid again. >> What? But no, you always have $1,000 in. your account. No, not always. >> Exactly. So, why is it always making it. through?

>> Even if it was 900 instead of a,000, that shouldn't be a big struggle to the. next few days. >> Well, because sometimes I Well, okay. So, I I don't like to look at my bank. account. >> Is that an option? >> It could be. It could be. >> How could it be? You're literally dying. >> You're You're struggling. You just told me you struggled to make. it to the next paycheck after your. mortgage payment. How can you possibly. not look at your checking account? How. is that even an option?

>> Because if you don't look, it didn't. happen. I [laughter] don't know. I don't. know. It's just like it's annoying to. look at. Like, you know, like when you. look and you're like, it's more annoying. to look at all this money and then I'm. like, me, I spent all the money. It's. more annoying to look at an account than. not have a money when we're trying to. purchase something. >> Yeah. >> It's more annoying to look at our. account than not be able to pay for our. kids school. >> No. >> Uh-huh. Selfish. Selfish.

>> Okay. Okay. >> Selfish. >> Yeah. But I mean, it is kind of annoying. to look in there. >> No [ __ ] No one likes to actually face. their irresponsibility. But if you never do, it'll never be. fixed. Never. Not once. >> And that's why I'm here. >> I'm here to fix it. >> Right. >> Yeah. >> You're here to fix it. >> Yeah. Yeah. Yeah. >> Well, I'll be honest. Yes. I'll set you. up with tools. I'll put you through our.

master of money program. You get the. premium version of the dialise budgeting. app. You get a lot of things. Course, career certification, fizz card, you. name it, you get it. Helium mobile, all. the goodies. We get you that. I cannot after this actually be next to. you every single day and control your. spending. I cannot force you to sit down. and look at your accounts uncomfortably. I can't force you to set up the. budgeting app. I can't force you to take. the classes. I can't force you to do any. of this and look what your behavior has.

led to. You know what you're doing is. already wrong or else you wouldn't have. applied to be on the show. That's how. this works. And yet you're whatsoever. spending thousands more than you make on. a monthly basis. So, what is actually going to change. after this? This is not a magical thing. that you said. But why? Where? >> Because I have a goal. >> Yeah. Have you never had a goal? >> Well, this time I have a real goal. >> What's your real goal? Why was it fake. last time? Your real goal is literally. fake ts in a yard. >> Yeah, that's what I want. >> What's your goal last time? You got a. house. You saved up 10. Then you like my. first goal. >> Yeah, but you did it in a horrible way,

by the way. >> But it happened. >> It happened. And you might be for it. It. sounds like you are cuz you struggle. between your mortgage payment and next. paycheck. Yeah, but once I pay off my. debt, then I won't have that struggle. >> How do you pay off your debt? If you. spend 2,000 hours more than you make on. a monthly basis and you struggle to make. it to the next paycheck, >> when you put it out there that you're. going to like set a goal and you're. intentional with it, you can put it on. your board. You know, >> you're bored. >> Yes, you're bored. You can put on board. Why don't you put in some work, you. >> I will. I You will. >> Okay. So, your entire argument is that.

you will. >> Yes. Nothing has ever shown that you. have. But your entire argument is that. you will. That's it. >> Yeah. >> No indication that that is actually. true. But you will. >> Yeah. >> You see why I can't necessarily just. believe that and let go of that? >> It'll happen. >> That's [ __ ]. >> It'll happen. >> Great. Well, guess what? Your house has. gone down $10,000 in value since you. purchased it. >> Why?

cuz the housing market goes up and down. depending. >> Okay. >> Especially in a boom state like Arizona, you you have a negative equity position. >> Lord, I didn't know that. Okay. >> What percentage did you put down? >> Um, >> you don't even know what is wrong with. you. >> I I'll think of it. I don't know. Like five. Well, >> sounds like you didn't think of it. Are. you just guessing? >> Yeah. Did you FHA it?

>> Yes. >> What? Do you not know what you did? >> No, I know. I know. I know what I did. I. know. >> So, you literally have no equity. position in this house whatsoever. >> But it doesn't matter because I'm not. >> Yes, it does. Cuz if you enter a. situation where sometimes there's a. reason that you have to move, that's. just something that happens. That that's. rare. That's probably not going to. happen, but it might happen. or two, you. get financially, you have nothing in. savings, you are on debt, you get laid. off, and we just had a good quarterly uh.

annualized GDP report. But who even. knows the job market's not great. What. happens if you get laid off? What degree. do you have? >> I'm screwed if I get laid off. >> Exactly. What degree do you have? >> Um, I actually didn't finish my degree. >> Oh, okay. What did you go to school for? >> Business management. [laughter]. >> Yeah. Okay. >> And accounting. Uhhuh. Great. Yeah. >> It's just like every time I know. So. what happens if you get laid off? You. can't afford this mortgage. So you need. to emergency sell it. And then what do. you do? You have to write a check to.

close. >> Write a check just to close your own. house because you have a negative equity. position. >> Yeah, that would really suck. >> Yes. This is the position you've put. yourself in. That's why I'm not letting. you just I'll figure it out or it'll. work cuz that is not an answer. You are. in a position where not just you, but. three of your kids. are in a beyond risky position and. there's not a dual income situation. here. >> Yeah. >> Trying to get the fakeies to get them. There's not. >> No, I don't want that. I don't want. someone to move in with me.

>> Really? You're going to stay single. forever? >> I wouldn't say single, but they don't. have to live with me. >> You're never going to live with a guy. You're never. >> There's not room in my closet for guys. and his stuff. There's not room in my. house for one. >> And this is your forever home. >> Mhm. All right. >> I don't want to make room for someone. else. >> You know, I thought you own because. you're old. I thought maybe you've owned. this house forever for a long time. So, I was like, "Okay, maybe it actually is. your dream house." You have been in for. a year. You don't know. This is your. dream house. >> Yeah, I do. It's really cute. I looked. at it. I knew it was how it works. Nope.

Also, I looked at it right now. It's. fine. >> Yeah, it's cute. It's really like a cute. little. >> It's fine. It's tile throughout and. there's not even. >> concrete floors even better. >> Yeah. 10 years ago. >> What? It's cute. I really like it. Concrete is not in, lady. >> It's in for me. It's easy to clean. And. my electric clean. >> Uh, well, yeah. It's a tiny ass house. And it's literally There's one little. micro bush in the yard. The rest of it. is just dirt. It is single story. It is. brick. >> Yeah, it's crazy.

>> But if I redo the backyard, the entire. backyard is trucker dirt. >> Yeah, that's why it needs to be redone. >> with a patch of turf. Small patch. It's. dirt. Dirt. Dirt. This is what a. miserable miserable place. >> Yeah, I hate it. I don't even look back. there. Just. >> I don't even This is so depressing. >> That park is all concrete. Look, there's. a dog tied to our other dog. >> Um, okay. The house is a very normal. house. So, I don't see how Dreamhouse is. attached to this. >> Because it's mine, that's why. Because. it's. >> Yeah, but your next house would be. yours, too. And people always move on. I.

don't think Okay. Okay. Very good. Um, so. >> to be clear, you have an equ negative. equity position in this house and you. want to invest $50,000 into the. backyard. >> Basically, yeah, maybe it doesn't have to be for maybe it. could be less. >> You're you're you're broken. You're. broken. What do you think your financial. score is? 0 to 10. Zero being the worst, 10 being the best. [gasps]. [sighs]. >> I'll be generous and say a two.

>> Why be generous? >> I don't know. Because why not? We're not. saying be negative or be generous. Just. be real. >> Maybe I'm like a 1.5. >> All right. If you want to figure out. what your financial score is, take the. assessment. It is free at caleb.com. Just takes a few minutes. See where you. stand in the world of money, where you. need to improve, where you're already. doing great. Just check it out. And if. you don't want to be like a guest who. ends up in the show, download the dollar. wise budgeting app. New features being. added every single month. Actually, by. the time you're seeing this, a big big. refresh and update may have just gone.

live or is going live very soon. And if. you sign up for the annual version, like. most people do, tens of thousands of. active users for a reason, you get my. budget friendly cookbook signed by me, mailed directly to you, only available. through the end of March, and then it is. gone forever. All right, it is time to jump into these. finances. >> Oh god. >> Okay. Well, this isn't a big balance. actually, so I don't know what Okay, so. Southwest 75 bucks.

>> Uh-huh. Um, so here's what happens. [laughter]. I paid off that card. >> Are you What? >> Yeah. 75. That's not hard to pay off. >> And then what? What? Lady, [laughter]. >> it's like 3500 right now. >> Oh, that's real locked in of you, you. dumb. >> It's not my It's not my fault. >> But come on. Nothing is ever your fault. And every time I have a guest on this. show, it is never your fault. Why is it. not your fault? Maybe it isn't for the. first time ever in the show's history. Okay. So, my sister and her husband. really wanted.

>> that one. >> No, my other one. >> I know. Um, she really they wanted to go. on vacation. Um, >> sounds like an emergency. >> Yeah. So, they invited me and another. friend to go and. >> Sounds like an emergency. [laughter]. >> And they they don't have a credit card. with enough like they just didn't have. credit cards at all. >> We woo wee emergency. I'm freaking out. So, they asked if I can put it on my. card. >> Oh, you [ __ ] dumbass.

>> And they would pay me back. >> You dumb ass. First of all, >> yeah, >> they're not paying for the entire. vacation, including your part. So, you. would still part of your part on you. dumb tit. So, this is not First of all, it is your fault cuz one, you agreed to. it. Two, you were going there. So, a. part of your stuff would be on this card. regardless of you. What do you mean. locked in? Shut the up. Not your fault. This is your fault. Shut up. >> It's California. It'll be okay. Actually, I don't really understand why. we're going to we're going to some. conference. >> You haven't even gone yet. >> Yeah. >> Die. >> Yeah, we're going in September.

>> What is wrong with you? Thank you for. fueling the American economy, but what. is wrong with you? >> If it wasn't for dumb asses like you, who knows what we would be? >> No, no, no. They'll pay me back and. everything will be. >> I hopefully I hope. But how much do they. owe of the 35? >> Well, my part was my part was like 800. So, the leftover. >> Okay. SO, IT IS YOUR FAULT. YOU DUMB. TICK CUZ YOU STILL HAVE 800 from zero on. here. Pull it up. Pull it up. You. >> Oh god. >> PULL IT UP. PULL IT UP. >> OKAY. OKAY. Hold on. Please.

>> Wrong with you. I just don't get it. Literally $75. I was so. >> It'll be fine. >> Is not a valid argument. I don't know. how you can just keep saying that. >> Oh, and I might have accidentally put. some stuff from Christmas on there, too. >> Uh-huh. And that's why I had you pull up. the card, you dumb piece of. >> Just a little quiet. PlayStation, movie theater. Let me start a screen. recording. So, I think you got like a water this. morning. You got some [ __ ].

>> Oh, that's the hotel. >> Yeah. >> Yeah. You know where they like hold your. incidental. >> Okay. >> Yeah. Yeah. >> PlayStation. >> It's Christmas, >> I think. Gas. Shut. Die. Movie theater. Yeah. Expensive for that. many people. Food City. Rose Garden. Dillards. Oh yeah. >> What are we doing? >> Expedia probably to come here maybe. I. don't know. >> Yes. Yeah. >> At least. >> you get reimbured for that part. Southwest Airlines.

>> Expedia. [ __ ] Dumbassery. [ __ ]. [ __ ] American. American. American. American. American. American. >> Buzz Cafe. >> Beauty Lounge. $235. [screaming]. >> What is wrong with you? You not your. fault. You not your fault. Yeah. Laugh. about it. cope. Laugh away. It's the. only way you're going to make it through. this. Yeah. >> Good luck. >> Good the luck. What is wrong with you? $3,53.95.

What is wrong with you? What is wrong. with you? What's your normal minimum Z. payment? You. >> I don't know, like $75. >> Don't even trust you, but $75. I'm sure. it's at like a 30% interest rate of. stupidity and death and dumbassery. Now, why the could your sister not pay for. it? Huh? Huh? >> Um, >> because that scares me because how are. they going to pay you back if they can't. pay for it themselves? >> It's because they had like filed for. bankruptcy so they didn't have any of. their they didn't have any of their.

back. >> They will. They will. They will. >> Filed for bankruptcy yet you're doing. all of this. >> Oh, why can we not learn from other. people instead of having you have to. learn it through your own? What's wrong. with you? If you don't get punished, if. you don't go through it yourself, you. can't learn from it. You just saw what. your sister went through with bankruptcy. and yet you're doing this yourself. >> Hers was way worse than mine. >> Poor now. You cuz. >> No, this is it. This is the limit of how. I know because listen, when you said in.

your statements and what I thought was. $75, you fracked it up to 35. So shut. up. This is the worst. You That is not. how this works. >> Yes, this is the worst. Like here, that. is not how this works. literally. [laughter] gotten worse since you. applied. >> It'll be fine. >> since you said in your documents since. well after your first or second call. through the application process. >> Listen, the tickets went on sale and you. had to have the money for the tickets. went on sale. You had to have the money. there to buy them. >> Doesn't matter. Listen to your logic.

Listen to your excuses. Listen to your. coping. That is why this will not be the. worst cuz there will always be something. to make excuses and cope and dumb. mastery about. Yep. Uh-huh. What? >> What? >> I just. >> What do you want? What? >> Honestly, um a budget, right? But can we. add in like vacation, >> die? No. You You have kids, you selfish. [ __ ] What is wrong with you? [sighs]. >> Seriously, what is wrong with you? That. is so selfish and disgusting of you. You.

have children. You've promised to pay. for their college. I don't know how. that's going to happen. You're going to. take out student plus loans? >> Yeah, >> that's more debt. We're adding more debt. to the pile, you literally. It'll even. out. I'll pay off. I'll pay off this. one. >> The other one. You just like switch. >> No, cuz your debt's worse than I even. had. Okay. So, now it's What is it like. closer to It's like 42 now. And you're. about to go again. 50 for the dirt. >> No. No. I won't do. >> for the parent plus. >> I won't I won't do that. >> 20 for the titties. >> I won't do any of that until this is.

paid off. >> No, you don't understand what I'm. saying. You actual I'm sorry, dumb. Listen, listen. 20 for student, 20 for. Tetss, 50 for. >> math altogether is more than this. [laughter]. >> You got there. You figured it out. Accounting. >> Well, you didn't get the degree, I. guess. >> But neither did I. >> Okay, you know what? Fine. You've. convinced me. Maybe I'll do like 30 on. the backyard.

>> You're literally Mexican. Do it. yourself. >> I can't do it myself. >> Really? It runs through your DNA. I. can't do it myself. I'm a [ __ ] I have. no manual labor skills. >> I don't like manual. I'm tired. I don't. want to even want to do my yard. It takes like 2 hours every month. I got. to work on my yard. >> But you were born for this. >> I was not born for this. >> I'm being racist right now. Let me be. racist. >> Cuz [laughter]. I don't Yeah, I was not born for that. Or I could find someone who could do it.

for me. >> Yeah. Another Mexican. I'm sure there's. a lot in Tucson. >> Huh? someone like who will do it at a. very low price cuz I'm cute. >> You haven't gotten them yet. They're not there. There's nothing for. you to show yet. You can't like. >> Right. >> Please. >> You know what? My personality gets me. kind of far sometimes depending where we. are. >> Yeah. Two ex-husbands. >> Listen, I'm a great wife. Bad picker of. husbands. >> Never your fault, huh? >> No, I said I picked them bad. I picked.

>> But you're a great wife. I'm sure you were perfect in the. relation. >> I'm sure some people could argue their. points, but. [laughter]. >> two late fees this year so far. >> Oh, yeah. See, sometimes I I forget. >> What is wrong with you? >> So, sometimes I'm really good at my. budget. I put it in my phone when the. due dates are due. >> Does it matter if it's sometimes? I'll. just interrupt you. [laughter] I'll just. interrupt you. >> Sometimes I forget. >> A budget doesn't matter if it's only. sometimes.

>> It just doesn't, >> you know. When it happens, it's great. Uh, >> but it doesn't matter cuz you [ __ ]. yourself in the next month, in the. previous month. >> Yeah, I It's just sometimes I do really. great and then sometimes it falls off. the wagon. >> Just cuz you get no dick doesn't mean. you need to yourself to feel something. [sighs and gasps]. [laughter]. >> But that's what you're doing every other. month. At a minimum, a budget is not. working. if you only sometimes follow it. >> Okay. Okay. But from now on, I'll.

>> That's not an argument. I can't listen. to that. I can't listen to that. That. just stop saying that because that is a. pointless thing to stop because you know. what that is? That is a brushing. criticism to the side. That's all that. is. That is an answer because you don't. want the push back anymore. But it's not. an answer that anyone can listen to, including yourself. >> I will believe it if and when you do it. and I can see it. Until then, you cannot. just say I'll do it cuz that is not. anything. That is not paid off. What? >> Some things I have paid off.

>> This went from $75 to $3,53. >> It's Yeah. >> Shut the up. >> Okay. >> You're already talking about going into. over $100,000 of debt. >> But I won't do it. I won't do it until. it's paid off. >> No, I'm to earn additional debt, you. actual [laughter]. [ __ ]. >> Okay. >> Yeah. Google your way through that. That's the only way you're going to. survive. [gasps]. >> Okay. Fine. I didn't say it was in. addition to this, which by the way, you're never going to pay this off based. on your behavior $2,000 more on a. monthly basis to spend. Good luck. >> The number one YouTube membership just.

got upgraded. And for this month only, you can join for free. See exclusive. shows [music] every day, Monday through. Saturday. Financial audit post shows, exclusive [music] and uncensored. financial audit episodes. >> Obviously, your your time 100%. Yeah, >> but. >> including fan [music] favorites. Audit. update. >> I'm seeing a therapist now. >> Waiting. or romantically or both.

>> Audit breakdown. >> And we still don't with people like. that. Like he is in next level. >> And hammer it out. [screaming]. >> Discipline [music] into your budget. That's what I was. >> Plus, you'll get access to Hammer Elite. Day on January 31st. No other channel. [music] offers what Hammer Elite. provides. Join with the link in the pin. comment or description below. Submit. proof of [music] purchase at. hammerite.com and we'll reimburse you. for your first month with a $10 digital. gift card that can be spent anywhere in. most [music] countries. Sorry, North.

Korea. This isn't for you. >> This is how we have to do a free trial. on here [music] 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. Starbucks is [ __ ] and a waste of. money. And you already know that by. making your coffee at home and investing. the rest. So now you need to do that. with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR JUST 40 cents a.

serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Games. Literally, the cherry flavor is. insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. >> But see, when I do my budget, right, I. know there is extra money there.

>> sometimes, >> but where is it? >> What? >> Yeah. You know, like, okay, I bring in. 5,000, my mortgage is two, my bills are. a,000. So then the rest of it I don't. know. >> So if I can figure out where the rest of. it is, >> that's what doing a budget is for. You. should be able to see it, you [ __ ]. >> All right. Please go through master your. money. Listen. >> Okay. >> Listen. Tens of thousands of people have. taken our classes. Just do it. You guys. can sign up for Master Money. Join the. community. It's incredible. Check that.

out. Caleb.com. But also just like what. are you doing? You actually have to take. it. I can't just hold your hand through. it. I can't force you to do it. You have. to do that on your own. And I can't. listen to someone who just says, "I'll. do it. Show it. Prove it. Come back.". >> Okay. Okay. >> Yeah. Late fees like crazy. Now that. 35,000 3500's at a 27% interest rate of. death. Oh my. [laughter]. >> Don't. >> Sorry. >> Do you smoke? >> No. Mm- [clears throat].

>> Good. Thanks. Every single person. Do you vape? >> No. Mm-m. Usually this bad behavior. translates. >> Yeah. See, all natural all natural bad. behavior. >> City Strava. What's going on? Strata. >> Um, yeah, that's that's big. >> Wow. What a detailed description. >> I don't know. I just use that one when. I'm like, "Oh, I, you know, need to. spend money, >> but I don't want, you know, some need is.

whatever.". >> Where the card, if you learn the. difference between needs and wants, maybe that would actually be beneficial. to you, and you wouldn't be in every way. whatsoever. >> So, the card needs to be swiped, but I. don't want it to come out of my bank. account, so it goes there. >> And how is that benefiting you? You. know, that also means it's this money. you don't have. If you can't afford to. put it on your checking account means. you can't afford to put it on a credit. card. >> I want it to go on my checking account. >> I mean, you told me that after your. mortgage payment, you struggle to to see.

if you can even have enough money to. make it to the next paycheck. So, what. the So, it's not just you don't want it. in your checking account. You can't. But. regardless, yeah, I know [ __ ] cuz it's. $416.83. spent last month after only making the. minimum payment. Well, $12543. of interest acured. So, this went up by. $300 essentially. You what is wrong with. you? What is wrong with you? Why are you. spending so much on a card that you. cannot pay off that is acrewing so much. in interest? You why? >> It has to.

things have to get paid. >> Have to have to have to. >> strongly. >> going to California have to. >> It's already done. >> No [ __ ] But you're saying have to. Okay. >> Also, you'll spend more money when. you're there, so I'd cancel it anyway. But 16 years, 16 years to pay this off. if you do not purchase, which you're. incapable of. And if you make and if you. only make your minimum payments, which. so far at least that's what you did, but. we already know from the last credit. card, you missed two this year. Let's. see from this card.

Uh from this card, okay, you didn't miss. any this year, but you've had almost. $1,000 in interest. By year's end, it'll. be $1,000 in interest. >> this year. That's a lot. >> Yeah, that's a lot. So, that's the. consequences of Oh, we can't put it in. our checking account right now. $1,000. gone, ripped from you, stolen, gone, done. >> Yeah, they need to lower the interest. rates, >> huh? >> They should lower the interest rates. >> They have with the Fed following the. Fed, it was likely closer to 30. Now.

it's closer to 27, >> but even still, it's You're not going to. get a good rate on this card. It's just. >> I know. And what's. >> Okay, so here's our needs. Salad and go. >> Oh, yeah. Got to eat dinner. >> You're a mother. Yeah, cook. They No, I. I cook when they're there and then I. forget to cook when I don't have them. So, you'll notice. >> I just don't want to. >> How do you forget everything? You forget. your budget. You forget your bills. You. forget your cards. You forget to cook. What are you capable? >> You forget to cook. I just really don't. want to.

>> Okay. Want. There you go. You don't want. to. This is a want. Not a need. I don't. want to hear it. >> Okay. Creations Mall. Going in and. getting some [ __ ] Roadhouse. Roies. Roadhouse Roadies. Roadhouse Roadies. Chick-fil-A. Chick-fil-A. Those are our. needs. >> Dinner. >> Yes. Wants. >> Okay. [laughter] I, you know, I It. doesn't seem like that much at the time. Like they're like, >> "No, $10, $12, and then boom, it's.

fine.". >> Yes, that is what happens. >> Yeah. >> Why can't you cook for yourself? >> I can. I just don't want to. I'm tired. >> Tired. Meal prep. That's what meal. prepping is for. You cook a couple times. a week and you warm [ __ ] up. Welcome to. meal prepping. Use our cookbook. Use the. meal plan in the budget class. >> Well, that that's it's so it's. >> is it the most pleasant? Is it always. the best? No. But you're sacrificing for. this better life that you're trying to. get to. That's the whole point. That's. why we do it temporarily. And if you.

know that you do not like to cook when. the kids are not there, then there you. go. You found your you found your. solution. Meal prepping. >> Yeah, but sometimes I I don't know. You. like forget to meal prep. You know, I. try to. >> forget again. What is wrong with you in. forgetting? Everything is forgetting. Are you capable of anything? What is. wrong with you? >> Well, you don't forget when your kids. are there, >> right? >> So, you shouldn't be You should be able. to replicate that when they're not. there.

>> What? >> I don't know. I just don't I Why. >> what? >> I don't I don't want to. I don't want to. meal prep on Sunday. I just want to do. nothing. And then that means you also have to do. it like on Wednesday or Thursday. >> Listen, I'm not saying you can't go out. to eat at all. But the the fact is. you're spending all this money that you. do not have while you have bad debt. while spending $2,000 more than you make. on a monthly basis while not having. enough money to make it from your. mortgage payment to your next whatever. by paycheck. Like it's just.

eating out doesn't fit in there. Also, you're trying to get fake tits to. improve your looks, yet you go and you. get fast food. >> Salad and go is healthy for you. And so. is Chick-fil-A because I get. >> sure. But you're already dangling. Like, if you want to get fake tits to like. bring in the dick, you know, lose this. I got to do it, too. That's why I can. say it. We can touch We can touch. danglies if you want. >> That could be genetic, too, by the way. >> Okay. Yeah, but you can also like. probably cheaper. >> than fake test, but either way, it. doesn't matter. I'm not like ripping on.

you for it. If if all our money is going. to attract penis, >> it's not for that. >> What? You just said you want to go. around be like, "Hey, you want to see my. tits to everyone?" That's what you said. >> I mean, >> that's what you said. >> Okay. But I like them, too. >> Well, yeah. I'd hope it's also for you. and not just other people. That'd be. really sad if it was just for you. >> Yeah, I want them. >> Sure, but you seem to want Chick-fil-A. and Salad to go and Roadhouse Roadies. more. >> Yeah, that was just a movie. >> I think I think that was just a movie. >> Yeah, three times. >> Oh, maybe that was drinks. Okay. Okay.

>> It's a bar, dude. It's a bar. You tit. What is wrong with you? >> It's a bar. >> You're So, you're trying to get laid. You going out there drinking it up? >> No. I mean, yes, I like to drink, but I. don't. Not at people at roies. >> Well, how do you get them then? >> I don't. >> You're not on the prowl. >> No, >> dude. Get on the prowl before you know. >> like you're already in the desert. >> I mean, you said it's Tucson. I don't. know. >> No, but you're already in the desert. You're going to be. >> Tucson. I might not be technically. single, you know.

>> Does it impact you? >> But I just don't want I just don't The. dating scene in Tucson is not not it. >> So, I'm thinking maybe outside of. Tucson, you know, but that's later. That's later. That's next chapter. >> Pause. Hammer Elite is free right now. But you got to submit proof of purchase. at hammerite.com so you can get your $10. digital gift card. That covers it. >> Next chapter. When's next chapter? It. sounds like your 10 chapters of. [laughter] this one. Yeah, but your next. chapter is going into $100,000 a debt. for your next chapter. So, what are you.

talking about? What? >> Well, maybe I won't. >> I hope you won't. >> Yeah, maybe. >> that would be walking away learning. something, but we'll see. Oh, well, you. hooked up with someone in Vegas. I'm. being told. >> Yeah, that was fun. >> Well, there you go, >> Selvie. >> Huh? >> It happened. >> Svie. >> Yeah, it just it just you know, it was. what it was. I actually was. >> Was it a stripper? >> No. No, it was right before we kissed. No, I don't think that would be fun, actually. >> How'd you find this guy? >> He was a friend of a friend. Oh, that. gets messy. See, that's why randos are. better. >> It got a little messy, but that's okay.

It was what it was. Um, you know, like. when you're in the friend group, then. you don't realize like someone likes him. and then, you know, you got feelings. hurt and. >> and he made a move on you and you made a. move on him. >> No, he made a move on me. But guys do. >> Yeah, guys want to Are you surprised? >> No, I don't know. I don't know. It just. happened. Like I literally told myself. like, "He's not coming inside." And then. he came inside and I was like, "Well, [ __ ] it.". >> What, bro? What are you talking about, man?

>> Wait, who wa wait? What? [laughter]. Whoa, whoa, repeat that. I was reading. something. He said, "Please, you said, "Please do not come inside of me.". >> No, no, no, no, no, no, no, no, no, no, no. When he Cuz I needed a ride home. >> Uh-huh. >> Right. And on the drive home, I'm like, he I was telling myself, he's not coming. inside. Right. He's not. He's not going. to inside my house. Inside my house. Inside my [laughter] house. Hold on. Okay. >> Like we are not hooking up. I'm not. going to hook up with someone I just met. today. >> Okay. >> Right. That's not going to happen. >> And then we're on the front porch and it.

happened. Not on the front porch, but we. were on the front. >> Girl, you got to use your words, dude. [laughter] I'm more intentional. >> On the front porch and I was like, you. know what? It really has been a minute. Like, why not yo? >> There is nothing wrong with having sex. >> Yeah, I know. So, then he came. >> but messy and friends. >> Oh, no. I didn't know until the next. day. So I. >> what? >> I didn't know that my other friends. >> that you were having sex until the next. day. >> No, I didn't know that my other friends. liked him until the next day. >> Oh, I didn't even know that. What the. You just shouldn't be having sex with. friends. I mean, this is a good general. rule to follow. By the way,

>> now we're now we're not friends and it's. okay. >> Well, because of this, probably. >> Yeah. >> Was he wrapped? >> Yes. Yes. I'm pretty Yes. Yes. We didn't have. >> Hold on. What? >> Yes. >> You're pretty sure? >> Yes. >> Hold on. You just You were walking it. back for a second. >> No. No. No. Yes. >> Okay. Last 10 minutes of this. conversation was for you uh kiddos out. there watching your mom here. >> They're not watching. >> No way they're not going to watch this. Your older kids. or mom on like the top 10 podcasts on in.

the internet. There's no way they're not. watching this. >> We'll see what happens. >> Millions of people are learning that you. don't even know if your friend wore a. condom. >> Yes. For sure. Yes. >> Which I love, by the way. I love that. What a show. And see, maybe doesn't. happen very often. >> Why? >> I don't know. >> Make him wear a condom. Take some dick. Dude, listen. If maybe if you were more. focused on taking dick, you wouldn't be. going out and blowing all your money on. [ __ ]. >> The hard part though is like I can't. just do random hookups. Like, I don't.

know you. Yes, you can. >> You can't let a stranger into my house. >> And I am not going to a stranger's. house. So, what do you do? That's it. >> No, you meet at a bar first and then you. Okay. Okay. >> But like you just met them. You're going. to let some random person. >> I've had my fun. Let's move on. American. furniture. Great. Okay. So, I thought. the 10,000 went to a furniture, but. look, we're getting furniture cards, so. it was more than that. Huh. >> I had nothing. I had no furniture. No, nothing. And so, I need furniture. >> Oh, why? How did you not have furniture.

in your other place that you came from? >> M because. >> you with your dad, but you probably. still had some. >> No. >> How long were you with your dad? Since. forever. >> Uh, yeah. So when I Okay, so I when I. was still married, we had my apartment. and then we moved into right before we. separated, like a few weeks before we. separated, [snorts] we moved into his. brother's house that was already. furnished. So I didn't take any of my stuff, like. any of my furniture. I like gave it all.

away. >> Okay. >> And then when I left, I just. >> Well, this is interest free for now with. a $73.68 minimum payment. I think it's. interest free. We'll see. You make your. minimum two payments only. It takes five. years the the way you're going if you. don't purchase, by the way, which. >> I actually need to pay that off like. ASAP. >> Yeah, I was having a feeling, but we'll. probably get to that in the next page. Balance $1,966. >> Yeah. >> Okay. Please don't be deferred. Let's. see. Lots of fees this year so far, by. the way. Why? $111 of fees. I don't know. if those delay fees or what. >> Oh, yeah. They might be.

>> Oh, hundreds of dollars. Hundreds of. dollars into furniture. Oh, >> yeah. >> In like a couple months. Yeah. Oh, you're done. >> Yeah. Yeah. Yeah. Yeah. No. Yeah. Yeah. >> Yeah. I might I might have to. >> Mhm. >> Why did you do this? So, did you have to. make. >> It's because I had another card that had. deferred interest that needed to get. paid off first. So, I put all my. payments on there. >> You have to pay $1,000 a month to pay. this off in time. [laughter] You spend.

2,000 more than you make. Good luck. But. if I don't spend the money more than I. make, the money will. >> Sure. If you don't do this hypothetical. thing that you've been incapable of, then it works. Shut the [ __ ] up. That's. not how this works. Like, sure, I hope. you implement correct behavior from. here. Nothing is suggested that you. would do you would do so. >> Yeah. I don't know what to do. Not that. one. >> Oh, $1,000 a month for the next two. months or else if being added in. interest and then continue to improve. from there. >> Yeah. Yeah. Yeah. I know. I know. >> Personal loan. Oh, at 15.8%.

>> [screaming]. >> Ah, what is this? $12,33059. That is a massive balance. You. >> What is going on? >> So, once upon a time, I had credit card. debt. >> Oh, good [ __ ] Please don't tell me you. consolidated. >> Consolidation is not a bad thing. I want. to be clear. Personal loans are not bad. Student loans are not bad. Consolidations are not bad. Bankruptcy, but I can get it as a last resort. It is. bad if you don't fix your behavior. >> I I was I know. Yeah. Look where we are.

>> But that one is 15% compared. Like my. logic was. >> No, doesn't matter because you have. racked up your credit cards again. >> So you doubled your debt from where it. was. Doesn't matter what the interest. rate is compared to the interest rate. If you don't change your behavior, you. come double. >> Yeah. But when that's done paid off, then I don't have that payment anymore. >> When the debt is done paid off, you. don't have the payment anymore. >> Like it's a monthly payment for like 5. years or 3 years. >> Yes. That is how a debt works. Once it. is paid off, you do not have a payment.

Yeah. >> Did you just Did you seriously just tell. me that? >> But yeah. >> Oh my goodness. Woman, Harvard, >> all of that will be paid off in 3 years. >> The dumb ones that have the most amount. of children. What is happening? >> So sure. >> Huh? >> But listen, when that has like a set. time to be paid off? >> Are you sure we can't send you back to. school with the 11-year-old? When the debt is paid off, there's no. more payments. >> Yes. >> That's what happens. That's what. happens. I get it. We're doing the. minimum. Yes. The minimum payment. Same.

with the car that you paid off. Same. with the credit cards. When it is done, it's done. >> Yeah. >> What are you saying then? Is there. something else you're trying to say that. maybe I'm not picking up? Maybe I'm the. here. Let's find out. >> Well, so that monthly payment is like. $450 and in 3 years it's $12,000 that I. paid off and then that's debt that's. paid off. >> What is wrong with you? >> Yeah, that's how minimum payments work. Mhm.

>> Okay. [clears throat]. [laughter]. >> Yeah. >> Oh my goodness. >> But it's three years. >> You tell yourself that every night? >> No, just once a month when I look at it. >> Okay. You're going to be 41. You tit. >> You tit. You small tit. >> It's fine. It's fine. >> Get it? Cuz you're flat. >> Yeah. >> Which we love the flat naturals, by the. way. Don't hate yourself for that. >> I I don't. >> Good. Good. You don't need to make them. feel all not great. [sighs and gasps]. >> [snorts]. >> Gosh, every time you might not even.

happen. I've been wanting it to happen. for 20 years and it might not happen. >> Every time I've touched a fake tit, I've. been very disappointed. I'm like, please. >> How do you know? Do you ask them like, "Are your tits fake?". >> Dude, touch a fake tit, you know it's. fake. It's just clear. Is that Have you. never touched a fake tit? >> I don't know. No. Yes, I have. Yes, I. have. >> Yes, exactly. Have you touched each. other's tits all the time? >> Honestly, I like them both ways. >> Well, it looks like it's a $461, which. is chunky, by the way. $461.60. monthly payment. It's cuz I wanted to. pay it off in 3 years. >> Wait, this is the second time you did a.

Lending Club loan. >> Yeah. >> What the. >> I don't know, but it So, the first time? >> Maybe. Third time's a charm. Second. time. >> No, you're not doing it again. >> No, I'm not going to do it again. >> So, no. Third time's a charm. What are. you talking about? Or is this the third? >> No, that's the second one. >> What was the first one? >> The first one? The first one? I don't. know. A long time ago. >> I don't remember what it was for. >> The same thing. Dude, so you're never. learning. You're. >> you're never making progress. >> Life happens. >> Life happens. These are your choices.

This is not life. That dude, a trip to. California was not life happens. That. was not an emergency. There wasn't a. dying relative to go see. Like, what are. you talking about? Where are you going. to California? >> A little fun. A little fun. >> A little fun. Little fun. You're talking. $900. A little fun is maybe you go to. the park if. Yes. That's a little fun. A little fun. You a little fun going to the movie, seeing the new Avatar, and oh my. goodness, the new firewoman. Oh, I am. gooning. And she's flat as well. And I. would stick it in an alien for the first.

time in my life. >> Avatar. >> Yeah. >> You what? >> Okay. >> I want to go see Avatar. >> Well, I will allow that little fun. >> Okay. Okay. >> And she could crush me and I would love. it. My goodness. What's her name? >> Avatar Fire Ash. She could do whatever. she wants to me. Vering. >> Okay. >> Yes. Played by Ona Chaplain, >> huh? [sighs]. >> Well, one year older than you.

>> Dang. >> See, it still works. >> That's fair. That's fair. >> Want to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck. That. is bad tracking. And it's exactly why I. use Dollar Wise. It shows you exactly. where your money is going every single. month. Spending, subscriptions, and. savings all in one simple [music]. dashboard. Everything you need and.

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one, some of most of it went on to the. loan. >> What? >> Right. >> Okay. And then you built back up. Shocker. Who would have thought? $689. with the $40 minimum payment. purchasing. $121 while only making the minimum. payment while acrewing $12.72 of. interest. 19 months to pay off. What is. wrong with you? What is wrong with you? You consolidated this and you built it. up to hundreds of dollars in. >> I forget that it was connected to. Amazon. >> You forget everything. I forget. everything. You forget everything. You. delete Amazon. Pull up your Amazon. >> Okay, I I will. But to be fair, some.

some of this is not paid on my card. >> Some of it Well, when I pull it out and. it wasn't, tell me. >> Okay. If it's like work stuff, that's. obviously paid on my work card. And if it's coffee, that's my dad on. >> pull up your Amazon. [laughter]. >> Please hold. Please hold. Here you go. >> Yeah, it's Amazon. Amazon. $500 in. interest this year so far. >> What is this [ __ ].

>> See, some of it my dad doesn't know how. to use Amazon, so I put his card on. there and he asked me. >> this like is this make it make it feel. feel like you're having contraptions. machine? I don't know. That's for his. girlfriend. [snorts]. I don't know. >> I think it's a blood pressure thing. I. don't know. >> Nitro elixir. Poor hormone. >> That is my son's Christmas gift. He. wanted cologne. >> Okay. Military model plane. Assuming. that's also for them. Professional. resistance machine. This actually is. probably you. I don't think that's for.

your son. >> Ring Christmas. >> That was mine and I didn't pay. >> The housemaid secret. One of those goon. books. >> No, no, no. my secret Santa. All of that. stuff like the earrings and the. bookmark. I did like a cute little. secret Santa. >> Yeah, a cute little secret Santa that. you can't afford. Well done. That. doesn't make it good. >> Countertop ice maker. You. >> Oh, see that was paid with. >> Doesn't matter. >> I didn't It was paid with a company. card. >> Okay. Wire hooks, acrylic pens, Christmas tree skirt. >> That's all work. >> Spoon rest stove top. Chunky cotton.

knit. You got a Kendra Scott [ __ ]. Windshield cover. cute doesn't matter. Christmas doesn't all of a sudden make. it affordable, by the way. It really. doesn't. I do not understand that logic. >> And stockings. You got some caramel. French vanilla pump [ __ ] Uh coffee pump. [ __ ] Yeah. Lots of markers. You got a. black double line basic body something. You got a skirt for women. A crown. >> Halloween. Halloween costume.

>> Oh my gosh. It doesn't matter though. That doesn't make it affordable. A. holiday does not make it affordable. A. [laughter] birthday doesn't make it. affordable. >> Like you can't have a Halloween. >> Your kids are actually old enough where. okay, Halloween you might be able to do. some like uh some makeshift [ __ ] But. first of all, two of your kids are old. enough to work to be very clear and get. their own [ __ ] if they want to. Two, when it comes to Christmas, your kids. maybe other than the 11-year-old, but. even them are. secret Santa that you don't have to do. that [ __ ] But your kids alone, you can.

sit down and be like, "Yo, can't really. afford as much this year. We'll try to. do as much as we can. We'll double off. Christmas next year. It'll be great. Mama got to work. Okay. >> Cam. >> Okay. She 17-year-old. Whoops. [laughter] Messed up my life. >> God forbid. >> I can't keep I hate hooking up. But yet. I go marry men that I have to divorce. every second of our life. So clearly. we're doing men right. It's like Yeah. >> But he listen their dad makes a lot of. money sometimes. A lot of times. >> Good for him. That's him and not you. I. can't have him get them like expensive.

gifts and then I'm over here like here's. your $10 Target gift, you know, like. it's not. >> You can cuz you have an adult. conversation with them as two of them. are practically adults, 17-year-olds. about to be and one is 2 years into. adulthood. So, >> well, him I only got him one cologne. >> Well, there you go. See, it's working. You can have a conversation, but that. all of a sudden doesn't mean you need to. do Secret Santa either. >> I mean, I Yeah, >> shut the [ __ ] up. Slate $40 mil payment. balance $1,235.15. Four years to pay off, interest. acrewing, purchasing. Absolute stupidity.

across the board as always. What are you. doing? What is up with this card? >> Uh, >> what are you doing? [laughter]. >> That one too. I'm like, what? >> What is wrong with you? >> I don't know. I've had that card on. You. don't even know. >> Sometimes, you know, you just spend it. and go. Spend it and go. >> What is pink berry? >> Oh, that's frozen yogurt. >> Die. Just [laughter] what is wrong with. you? It wasn't even for me. How is that. more important than your kids? How is. that more important than everything. you're doing? Your mortgage, your.

emergency fund, your security. You've. had a late fee this year so far. You're. going to have $1,000 in interest this. year. >> with this card. >> What is wrong with you? You don't give a. [ __ ] You don't give a [ __ ] And you. divorced the first one cuz he's bad with. finances. You And now you said he's. making more money. >> Yeah. >> It's like, what? Okay. Double cash. What's going on? You're certainly not. reaping the rewards. Uh, that one I just. let my son use. >> Why? He is using it. >> Yeah. >> Why? There's just a cruising, you [ __ ].

>> Be he needs like gas. >> Which kid? >> The 17-year-old. Because he drives the. kids to school. >> 17y old. Good. Call him. >> No. >> Call him. >> No. >> Yes. I'm telling him he is not using. this anymore. >> It's because he doesn't have Apple Pay. and I can't transfer him money. >> Call him. Yes. Call him. I'm telling him he cannot use. this anymore. Mama's broke. >> Okay. Okay. Call him. >> I'll tell him. >> Call him. >> I'll tell him. >> Call him. What is wrong with you? >> Yeah, but here's the thing. Like. sometimes because he drives the kids to.

school and sometimes he needs gas and I. can't transfer money. >> Why can't you call him? Give him cash. >> to be I don't know. >> Why can't you call him? >> Well, technically he's in Mexico right. now with his dad. >> So, >> I don't know. >> Call him. >> I hate boundaries. >> I don't care. [laughter] Call him. >> Not my favorite. Okay. Okay. We'll call. him. >> Yeah. >> I know. I know. >> Minimum payment $20. balance $285.26. I won't swear in front of him cuz he's a. kid. >> Yeah, he's good. >> Give me the phone. You. >> see if he'll answer.

>> Yeah, if you double call him. >> But he is in Mexico, so I don't know. >> Hi, honey. >> Hey, big guy. You can't spend on the. city double cash card anymore. Okay. Mama's going to give you cash. >> Wait, what? Oh, is that the guy? >> Yeah. [laughter]. >> Well, I am the guy. >> Am I on TV right now? Well, you're on. the internet, which is better, but. >> Oh, >> and I thought a 17-year-old would know. that, but you're kind of talking like. you're 80. That's fine.

>> Listen, here's the thing. You can't. spend on the City Double Cash card. Your. mother was broke. She spent it all on. frozen yogurt like a dumb butt. >> Oh, [laughter]. >> okay. Is that okay? >> Uh, yeah. >> Cool. Yep. Take cash from her. That's. it. All right. Enjoy Mexico. You don't. have to stay there. >> You can come back. We'll allow it. >> All right. Thank you. >> All right. Love [laughter] you. Bye. >> He's such a good kid. I love them so. much. >> I hope so.

Well, he's getting Catalina food, touchdown something, and then some gas. So, it's more than just gas. Yeah. >> Well, I mean, he he does a lot. He takes. them to and from school every single day. for me and his 17year-old. I was working. at 17. >> I don't want him to work. >> He needs to What? Why? >> Because I want him to go to school. >> What? I went to school and worked. Are. you stupid? What are you doing? What are. you talking about? >> It's a lot. It's a lot of pressure. He. has really good grades. He has good.

grades. >> Every dude, a lot of people do this. >> Oh, I don't know. We'll see. >> No, that's a no, by the way. >> Well, I mean, his dad wants him to work. >> What? >> Yeah. >> Yes, cuz it is something good. I'm glad. I did. I hated it and I'm glad I did it. >> I don't Yeah. Okay. I learned me to at. least work for money. >> I know. I'm He actually wants. >> Maybe I should have gone to school more. instead. >> He wants a job. So, he probably will get. one of those. >> He wants one. Yes, he wants. What is. wrong with you? Applied for them. >> It's hard. What am I going to do when. they. >> Everyone except for you wants him to.

work. >> Yeah, >> including himself. >> Stop being a helicopter mother. >> You can't even helicopter your own life. >> And so, >> who the are you to hold someone back? >> I'm not holding him back. >> Yes. You're not letting him get a job. when he wants to get a job and learn. some life skills. >> I just want to make sure that his grades. stay good in school, >> which if they're not, then you start. cracking the whip. >> Okay. >> Okay. >> That doesn't mean hold him back at every. whatsoever. People work and have good. grades. >> Okay.

>> I'm not saying he's working 40 hours a. week, dude. Maybe he's picking up. literally 5 hours a week, one half. shift, working lunch on a weekend at. Jimmy Johns or something, you know, something like that. Is he earning a. little extra cash to be able to go? >> I didn't want him to go in the direction. of like, you know, like sometimes you. start working a meth addict by working. in the back of a kitchen with all the. >> Sometimes you start working and you. realize like, oh, I can make a lot of. money right now instead of finishing. school. >> cuz that's not going to be a lot of. money. No. What? What? >> I don't know. >> Who has that? I've never heard of that. >> I mean, that kind of happened with my.

oldest son. He got into the trade and. like he doing great. >> Yeah. So, he did great right away. And. >> that's fine. I don't think this guy's. going to get it being a bus boy on the. weekend. >> Yeah. No. >> Okay. >> Okay. >> I just want him to finish school. >> Yeah. See, was he Wait, did your oldest. drop out of high school? >> Yeah, he didn't finish. >> Well, he's doing okay and it worked. >> I know, but I would. >> Also, he wants to go into HVAC anyway. He already knows what he wants to do. I. don't think he's going to pick. Okay. >> I know. >> Sick, dude. >> I know. It'll be fine.

>> All right. Double the love. What is. this? Alta. That's right. [sighs and gasps]. >> Oh, Alta. [laughter]. It's not working, is it? >> I actually don't spend a lot on makeup. there, >> right? Which is why you owe $2,2806. >> And this one I also paid off. This one I. like paid off, paid off, didn't put on. that loan once upon a time, >> right? But now it's like $3,000. basically. $2,280. So. >> So my. >> doesn'ting matter what it's been in the. past with a $75 minimum payment, you're. purchasing $5862 on this. >> What is wrong with you, mother? Well, so.

my youngest my youngest went into middle. school and when you go into middle. school, you can have a phone and my. their dad. >> You have a phone in middle school? I. would never. >> Yeah, because he takes the bus and like. I You need to. >> I took the bus and I did not have a. phone. >> Yeah, but things were different. >> Hold on. Boomer moment. Yes, I know. But. I would never. >> Yeah, >> I didn't think I would let my kids get a. phone until high school. And me and my. girlfriend, we want to have kids maybe. in like a year or two. So, you know, I'm. already thinking about that. >> Guess what? They're they're not watching.

Coco [ __ ] lesson. >> No, no, no, no. So, I just need. >> too old for that, I would think. But. even still not having a device at this. day and age with all the insane people. online. >> So, he's the youngest. So, he might not. have, you know, you the youngest is. >> dude, that dude is watching. >> No, he's not. First of all, he's not. Second of all, >> first of all, a sixth grader with a. phone. I promise you, as someone who was. the sixth grader at one point, that dude. is watching. You're giving him free. access to the internet. No, he needs. permission. Like he he has an iPhone, so.

there are permissions on the phone. Like. he can't ever it shuts off. >> Google Chrome. >> He has to ask for permission. >> to go on Google Chrome. >> I don't know. >> First of all, [laughter]. >> I doubt I doubt he is. I He's watching. YouTube videos. >> You don't know what. uh kids going through puberty do. Well, he I drop him off at the bus stop and so. I need to like know because he takes the. bus now instead of me taking the bus.

>> Okay, but things are different. He's. there by himself. >> Well, things are different. The. predators are out more than ever. Like, what are you talking about? >> No, because we. >> You're the one who picks up 17-year-olds. on the road. >> Okay. And that's you. Listen, we needed. to coordinate. Okay. I needed to know. that his little bus stop. WHAT IS IT? TWO BLOCKS AWAY. >> NO. >> Where's the bus stop? How far is the. bus? So, I dropped him off. Like, he's. far. >> You drop him off at a bus stop. Yes, >> he's fine. He's at the bus stop. >> Okay, but what happens when. >> he's the only one at the bus stop? >> What happens when you drive away? He.

waits for the bus, you [ __ ]. >> It's on a busy road. Someone No, you're. you're in a You're an AC-130, mom. You've elevated. You've upgraded. >> Yeah, but anyways, we he needs to like. call his brother and see where he's at. when the bus dropped him off. They all. three of them need to coordinate getting. off the bus together. >> Walkie talkies. >> Yeah. Okay. >> I don't know. All I'm saying is just. like everyone has survived and it's not. necessarily the healthy. We know that. kids mental health is absolutely through.

devices. Just through devices. Instagram for. women. >> He has other things like he's not just. always on his phone. He's not an iPad. kid. >> Well, it's not just about that. It's. literally just so toxic. You can fall. into these extremist pipelines. >> Okay. Anyways, >> yeah, you purchased on on the um Yeah, I. needed a phone. >> Yeah, which is why we got went inside, got some [ __ ] from the gas station. and uh McDonald's and. Mayor is close.

labas. $4812. >> Maybe it's a restaurant. >> Oh my. And then a late fee. >> I know. >> All because our sixth grader needed a. goon machine. >> Yeah, >> that dude's going to be a predator. before you know it. or like an alt-right. school shooter. Like, who even knows? >> I would never. I would never. I would. never. >> You say that until it happens. Like, you. say that until you actually have a kid. in front of you. >> My girlfriend's very set on this. She's. much more aggressive about it than me. Much more aggressive about it.

>> You have to come to the same page on. that cuz when you have different. parenting than. >> No, I'm allowing it cuz I think she's. right. >> Yeah, >> it happens. >> Well, listen, I don't encourage your. kids to watch. No, but I wouldn't give. them the device that encourages them to. watch. >> Okay. 401k loan. >> Oh, yeah. That happened. >> Why? >> Okay. So, I I saved money for the house. and then I realized that I didn't want. to put all my savings in the house down. payment. And so, I was like, well, you. know, I can get like 401k loan.

>> Yeah. And where's this 401k loan gone? >> Um, >> yeah. >> Uh-huh. >> Something happened and I needed to spend. money. I don't know. I. >> needed needed. I don't trust your need. >> Yeah. >> Okay. Navy rewards. This is a stupid, by. the way. She owes 10,623. Well, it gets taken from your paycheck. to go towards that on a monthly basis. >> $100. >> And what happens if you get fired and. it's called due? >> I know. Yeah. I thought about that. >> Yeah. Cuz $100 ain't going to make that. move very much and you're not taking. advantage of the market as much. >> Yeah. Well, okay. So, someone had told.

me like, "Oh, it's a good idea because. you pay yourself back interest." Like, that made sense. >> Yeah. But you're still losing to the. market. >> Wait, so I have a question. So that. money that's on the loan is not. in the market. Like only the money that. I pay back. That's wild. >> What? That he's busting nuts? >> Yeah. >> What are you talking about? This. actually blows your mind. They're. blowing loads. It blows your mind. That's. >> in their room. >> Yes. In the shower down the drain.

There are children being flushed down. that drain. >> I shower in that shower. >> Yes, you do. >> Even my oldest. Gh. >> Okay. Well, first of all, I Extra wanted. to fact check cuz the answer is no. But. I wanted to make sure there was no. loophole that you could invest through. the market. Leave some of that in. because that was funny. Um, you still. have a balance on this card. Am I. writing this down? >> No, no, no. >> Okay. Okay. Okay. Well, you had like. late [ __ ] on it. I know. >> Oh, JP Penney [ __ ] is. >> I That one should be very minimal, too. >> Well, it is small, so I don't know why. you don't just pay it off. You need to.

close your cards. You already have a. house. You're going to stay in this. house forever. So, you don't need access. to credit. Close your accounts. It doesn't matter. Close your accounts. You cannot be trusted with two closed. No. All $193.32. They're all just holding you back. It's. a hammer. That is a tool, but you're. just swinging backing back and hitting. your face. >> Okay. Okay. >> $30 minutes of payment. $193.32. is owed on it. Fees and interest and. [ __ ] This is so stupid. >> I know. This one I I kept forgetting to. pay, so I put on automatic payments. >> A late fee on this with a balance of.

only $199. I don't even know what this. account is. I don't even know what this is. It's not. even titled the smile generation braces. >> Yeah, it's almost paid off to you. >> Yeah, except you were late. >> I I told you the little ones I forget. about. >> Well, if you actually budget instead of. sometimes budgeting like a dumb $189. >> email to come in and sometimes I have. too many emails. >> $41 email. Open the account. You What is. wrong with you're incapable of. everything? I don't know how you have. survived. How your children have.

survived. >> Oh my god. Oh my god. >> Yeah. Okay, Care Credit $32 minimum. payment. What's this for? At a balance. of $98,463. This is what happens when you have. endless debt, no emergency fund, everything that has to happen like. braces or wisdom teeth. >> is new debt. >> Yeah, but that's on no interest and. it'll get paid off before the interest. ends. >> I certainly the hope so. Okay. Yeah, cuz. deferred interest is acrewing like dick.

>> Oh, there's still more. I'm trying to. get to the end of this. >> That's my mortgage. That's my mortgage. >> Great. The mortgage that we cannot. afford that we have a negative equity. position in the house. >> I can. >> Nope. >> You literally just said after you make. your mortgage payment. Sometimes you. don't have enough money to make it to. the next month. You cannot afford it. $293.36. cents on a monthly basis. Yes. This is. all your fault. Well done. I'm glad. you're figuring that out. Finally. The. overall. >> technically I should have $3,000 left. over. >> Three. No, there's more bills outside of. just a mortgage. You [ __ ] $31,79956.

I hope your extremist child that you've. given a phone to doesn't come and mass. shoot me after I just called his mother. a [ __ ] TV. >> I know he's a very. >> not going to watch this. You know this. is on YouTube for the rest of forever. >> They might watch it at 70. >> Okay. No, very cute kids. Very. wellrounded. >> It'll be nice to see for them what their. mother looked like before she got [ __ ]. fake tits. They'll remember their old. >> It'll be a good memory [laughter] like,

"Oh, my mom before she was a [ __ ]. >> Before she was a whore.". >> At least I waited till after they were. out of the house. >> No. [ __ ] it up. We love [ __ ] Horse. are great. I'm a [ __ ] Horror it up. We. love horse. Horse is not an insult. Be a. [ __ ] That's not an insult. We love it. Do it. Thumbs up. >> We'll see. >> Listen, if I want to be a [ __ ] I need. other people to be [ __ ] so that we can. [ __ ] together. >> Here's the thing. I want to, but I just. fall in love. >> You don't want to be a [ __ ] You hate. hookups. So, >> yeah. >> Well, be a [ __ ] Okay. Your Edmond's. appraisal for your car that you've paid. off is 3,194.

averaging out at 4,158. But yours has a. little issues, you know, a couple. cosmetic or whatever that we got. And. with your VIN and Edmonds is the most uh. accurate. So, >> and eventually after I pay all this, I. do want to get a new car. >> Checking account. You want to do. everything after Okay. See, this is why. it's like what's even the point of. paying all this debt off cuz you're. just, you know, you're just throwing it. all away. Oh, it'll be like. >> this. You're just going to No, I mean. like debt, >> new car, >> but they all have meaning. >> New yard, student loans for the kids.

>> Meaning behind it. Good. Um, you know, like. >> No, I don't. Shut up. McDonald's, Afterpay. I didn't see your Afterpay, but you're paying towards Afterpay. Zelling. >> Okay, so Spectrums finds internet, right? And. >> now Cox's internet, >> huh? >> Cox's internet. >> Oh, then what the even is that? I don't. >> Chick-fil-A, Spotify going in some. [ __ ] Walmart In-N-Out Ramp. photo. >> Oh, senior pictures. >> Oh my gosh, you're almost a senior. citizen and you don't even have enough.

toing survive. Home plate. Home plate. Audible. >> Go to the library. Audible. Amazon. Going against some [ __ ] [ __ ]. [ __ ] [ __ ] [ __ ] Ranch Bar. [ __ ] Afterpay. [ __ ] Hulu Plus. J C J C J C J C J C J C J C J C J C J C. J C P P P P P P P P P P P P P P P P P P. P P Penny Zing it out. One day nail spa. God, let me see. >> it. >> Let me see. >> It's not here. >> It's not even good. It's not even worth. it. >> A life worth living for you. You live in.

Tucson. Savings has gone down $100 now. at 13. >> It fl it goes in and out like. >> Uh-huh. Service three bucks. I don't. know. Let's see if we can budget this. This is just a mess. You just destroy. all your money. I hope I can. We'll see. >> I think you got all the faith. >> Okay. Okay. Well, $5,000 is our income. We know your mortgage is $2,93.36. Let's get your rest of your debt minimum.

payments. $75. Okay. Your rest your debt payments are. $1,65.71. me. So, that's $3,000 gone already. Gas, electric, utilities, all combined plus. internet. How much? >> Uh, hold on. Let me look. >> Big guy. You don't know. Come on. >> I know. I know. It's math. Okay, so.

my internet is like 670, like 65. Um, and then my phone bill is like 120. My. >> 670 65 for what? >> Huh? 65. 65 for internet. Oh, okay. >> And then. >> total what is it? What is everything? >> M. trash. >> So, how much total? >> $170. >> Okay. Concluding internet. >> Yeah. >> Good. Phone bill. >> That's in That's in there.

>> Ah, gas. Vroom. Drive. Drive. >> M like $40. >> Okay. You don't go anywhere. That's. depressing. Car insurance. >> Like 180. >> Okay. Food for this house. Okay. 17. >> So, I usually spend like. >> You go out to eat. Shut the [ __ ] up. Your budget doesn't matter. You're also. meal prepping. I don't care. >> I spend like $200, so it doesn't matter. Shut. You don't know what you're talking. about. Just stop. I'm putting you on an. actual budget that makes Shut Be quiet. now. $800. >> That's a lot.

>> Huh? >> That's a lot. >> You're Well, actually, cuz you have them. half the time. You're right. Okay, I'm. going to do $700. TP fund. Anything else. for you and the kids to survive? I'm. going to say $250. And I'm actually. going to bring food down to $ 650. Um, medical healthcare. Are there co-pays. monthly basis? Anything? >> Mm-m. >> Hey, no medications, no therapy. >> No. >> Okay. Kids will need it after hearing. this episode. >> I just ended right there. >> Pets. >> No. Mm-m. >> Thank. >> Yeah. I'm very allergic. >> Gym.

>> Uh, right now I think it's like $100 a. year, but I've already paid it for the. year. But I want a different gym. >> So, what I'm going to say like 30 bucks. a month. Okay. >> 40 bucks for subscriptions. Anything. else that needs to be in your budget. before uh we're done? >> No, I don't think so. Can you put. vacation in there? >> Nope. Just [ __ ] off, die. >> What are you talking about? Let's Let's. see where you are. If I can allocate a. couple hundred to fund on a monthly. basis, you can save it up. >> Okay. >> On a monthly basis and choose where that.

goes. But I would also just take care of. the kids, you dick. >> Okay. Okay. Okay. Okay. >> So, it's only $40 in subscriptions. I. wonder that means I'll have to cut like. >> Yeah, you'll have to cut some things. >> Okay. >> Okay. And yes, you have a decent amount. left over. Just have the budget. $3,869.7. on a monthly basis to survive. $1,130.39. I'll give you $130.39. in fund money. You decide where that. goes. Not going to be much vacation, but.

1,000 hours a month left. If you're 37, that takes 37 months to pay off your bad. debt. And then stop going in your P. just turn your life around. You're. dramatically behind on retirement. You. own you have 401k. Well, actually, your. debt's even higher because we didn't. have that first card in the calculation. 40 months to pay off your debt. Get a. fully funed emergency fund. Then live 50. 25. 50% goes. to needs. 25% goes to fund. They can be whatever. Save it up on a monthly basis. Go on a. big trip, whatever. Okay?

>> 25% goes to retirement because you got. to catch up. That's what you're doing. Okay? Two years to pay off the debt. Get. it fully immerse. This is not that. complicated. Well, not 2 years. It's. going to take probably like three and a. half years. >> Is there a way to do it in 2 years? >> Make more money. >> Okay. >> Make more money. Get your raises. Work a. second job when the kids aren't there. I. don't know. [ __ ] And that's hard. So, it' probably have to be like contract. job like you driving for [ __ ] like Uber. and whatever. I don't know. >> Okay, let's get your hammer financial. score. We're going to go to the post. show. It's going to be fun. It always.

is. There's always something crazy. Join Hammer Lee for that. But hammer. financial score, spending a budget, overspend, 0 out of 10. Debt, you don't. have collections, but you do have a 401k. loan. That's not great. That's risky. I'll give you a 0 out of 10 for that. Emergency fund, there's 1,000 hours, 1. out of 10. Retirement, have a little. bit. 401k loan, definitely dramatically. behind. 2 out of 10 is the best I can. give there. Real estate score, at least. you're in the market. What was your. interest rate on that house? Uh, >> I think [music] it was like 4.68. >> Oh, that's pretty good. Okay, I'll give.

you credit there. But negative equity. position 3 out of 10. Get your Hammer financial score at caleb. hammer.com. Your hammer financial score. is rounded up to a 1.5 [music] out of. 10. I'll see you in the financial auto. post show. Join Hammer late. Three. premium shows posted every single day. Now 6 days a week. See you there. >> You're so like h about like the whole. thing. But you used to sell feet. pictures. >> You like can you put it in spaghetti? Like no. Caleb, I don't think we really. scratched the surface of her travel. addiction. >> Oh,

>> she has trip amnesia. She will go on. these trips to Nashville, to Vegas, DC, and just spend all the money. >> Join us Saturday, January 31st for. Hammer Elite Day, a 5-hour live stream. featuring all of your favorite shows, but done live with you. See you there.