I Can't Do This Anymore | Financial Audit

You annoy the out of me. I want to be a. stay at home mom. That is my goal. Do. you have a kid? No, I don't. He knows. you staying at home for I told him next. year I would like to have a baby. You're. sitting at home. You're not working. He's the only one making income. I'm. very excited about it. What the is wrong. with your girlfriend going into debt? Yeah, she wants you toing blow her up. with your so she can pop out a kid. Download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for.

the annual version of Premium and get my. cookbook and notebook signed and mailed. directly to you. Link in the description. and pin comment below. Hi, my name is Kimberly. I'm 25 from New. Bronul, Texas, and this is Financial. Audit. Thanks for coming up to Austin. What do you do down there for a living? I am an office manager at an electric. company. Very cool. What do you make. monthly or? Yeah, sure. just um 3600. 3600. Is that.

what hits your account net? Yes. Okay. So 3600 New Bronul, smaller town in. between two major metros. It's kind of. right in between Austin and San Antonio. So you get a little bit of the price. bleed there, but it's certainly not as. expensive as a place like Austin. How. you living? How are things going? How. you doing? 3600. It's fine. It's fine. And it could always be better, of. course. But um I think. um obviously not if I'm here, but yeah,

I pay my bills. Well, heard a lot of people say that and. then I find out no. But okay, you pay your bills. So that's. I guess yay, we did that. Yeah. Okay. So. what's the struggle? I guess. just making it towards the end of the. week with What do you mean every week? Because I get paid every week like I'm. salary. Then how do you pay your bills.

if you're struggling to make it to the. end of the pay period which is only a. week? Yeah, I know. Because of the. weekends that's what gets. me. I like to go out. What is there like. two bars in that town? What do you mean? I come to Austin. I go to San Antonio. I'm in the middle. I get to go out. Great. Okay. So, I pay all my bills and. then after that whatever is left. is bar money. It is. So, you drain to. zero every week?

Most of the week. Most weeks. I Yeah, most weeks if I'm being honest. What are. you trying to live to? What What are you. trying to do? I I want to be a stay at. home mom. That is my goal. That's what I. want. I don't want Do you have a kid? No, I don't. No. You staying at home for. Well, I want eventually. That's I need. to pay off everything I have. Do you. have someone to make a kid with? I do. Okay. What's the status of that? We've. been together for 5 years. Um, we live. together. So, I mean, he has to finish.

school. And are you having a kid? I told. him next year I would like to have a. baby. And are you What did he say? Let. him finish school. When does he finish. school? The end of this year. So, so. earlier then? Yeah. Wait. Well, the end. of this year. What is he going to be. making? I don't know. Oh, he's going. oop, sorry. He's going for computer. science at Texas State right now. So, and then after that, he's either. going to look in Dallas or Austin. And. then, yeah, I mean, computer science is. good. I don't know. Getting out of.

potentially your financial position. Maybe he's borrowing for school for. doing all that. You're sitting at home. You're not working. He's the only one. making income. It's not 1950. Um, I. mean, is it. does it mathematically make sense at. that time? Okay. Well, not right now. You want to be a stay at home mom, even. though the only thing you caught like a. child is a beer bottle. Um, interesting. Yeah. So, that's going to be a big. lifestyle change. You want to have a. kid, but you can't not go out and blow.

the rest of your money for a week. So, what are we talking about? I can not go. out. I just Why? But you actually only. go out and drain it to zero and do. nothing but that. What do you mean? They want to want to. when you have a kid and then I will. invite you when I have a kid. They will. invite you. You won't invite your kid. They'll invite you and your husband will. have been at work doing uh work. So, he. probably won't want to fully watch the. kid. Even though stay at home, yes, we.

would definitely want to make sure. you're able to still go out and. experience the world. And he would need. to take a bit of a sacrifice there. But. if all your life is is going to bars and. draining your account to zero, I mean, obviously you're not a productive member. of the household then. So maybe now I. am. Yes, I am. And when you stay at. home, you drain it to zero because I. paid my bills. Okay. Are your bills his. bills? No. The only thing we split is. rent. Okay. So he would have to overtake. your bills. Well, if I could pay them. off, then No, you won't have No. What?

What do you mean by bills? Are you just. talking minimum payments on debts? No, that's what Okay, then are you going to. pay off an apartment? I don't think so. So, what are you talking about? Pay off. I'm talking about like my car. I want to. pay that off. These cards I owe IRS, which I guess we'll get. into. Are youing kidding me? For what? For what? Possibly. For why? Because I. was a server and apparently, this is a. story in itself. I was a server at a.

restaurant in New Bronals and I made a. lot of money. I was claiming my tips, but when I went to go file taxes, I like. did all the numbers and they said I owed. $2,000 for one year because you claimed. your tips and you didn'ting Yeah. set. any money aside for the tips in cash. Yeah. Cash credit card. I'm sure that's. probably withheld for you. Yes, that. was. But then so I saw it was $2,000. I. was like, I don't have that, so I'm not. going to pay $2,000. Make or break. and. you bring in $3,600 now. Oh, maybe we.

don't go to the bar every 5 seconds of. our life and live off the bottle and. drain to zero from the bottle. If we owe. $2,000, which is just over half of our. monthly income, which net, which you. should be able to pay off, that's just. the act of a child. The when, what year, what year taxes was this? 2021. I owe. 2,000 for 2022 with you. And no, no. Well, so 2,000 for 21, 2,800 for 2021,

2,000 all for taxes, 600 for it for the. next Why did you not fix Why did you not. fix it for the next year if you knew. there was the flaw of it from the first. year? For some reason, I thought they. would never come after me. There's. bigger fish in the sea. And then I. realized if I want to buy a house Yeah, exactly. It'll you in more ways than. just that. Well, I'm on a payment plan. now. Really? So, these are the bills. They're. bills. Yes, they're bills. My bills. Okay. They're my bills. Yeah. Yeah. You.

love to talk about your bills. So, I'm. just making sure we understand what your. bills are. Do you not split rent? I do. split rent. Okay. That's probably a. bill. And again, that doesn't just go. away. So, he would have to overtake. that. Do you pay towards utilities? Towards groceries. Groceries, I do. Utilities he takes care of, right? So, you would have to take care of your full. thing of groceries. So, there's more. here than just paying off debt. paying. off debt. Obviously, going in that. situation is going to be good. You don't. want to go into that situation with a. bunch of debt cuz that's a lot of risk.

Yeah. Well, I guess I guess my main. focus is to be a mom and to do what I. need to do. Yeah. How about you set your. kid up for success, though, instead of. having I got to take care of me first, not That's what I was just saying. Okay. Okay. What do you think I was just. saying? I was saying set your kid up for. success by you not going into the. parenthood. Yeah. Okay. I mean, you're. taking care of yourself. So, I mean, you're probably good. Okay. Yeah. How much did you spend? Cuz 3,600. went out. How much did you spend?

3600 came in. Sorry. Yes. I'm going to. say 38 if I had to guess. 38. So, $200 more. Yes. How would you do. that? The credit cards. Why would I do. that? Or how you're okay with that with. wanting to have a kid? No, we're taking. care of ourselves. So, we're taking care. of the kid, but we're going to spend. more than we make. I thought you said. you drained down to zero and then you. paid your bill, so you're good. So, you. wouldn't be putting any money on our. credit card. Well, when you go out. No,

you said you drained to zero. You didn't. say you drained to negative. Well, I. guess I didn't see it as negative when. it's still available on the credit card. How do you view credit cards? How do I view them or how do I Yeah. How. do you view them? I view them as money. that's available to spend that needs to. be paid back. Eventually needs to be. paid back.

So, it's not your money then and you. already know that. So, what the [ __ ] are. you talking about? I had it and it was available. I think. it's available, but you know it's not. your money. That would obviously be. negative if you're talking about how. much you spend on a monthly basis. I was there. Also, you spent basically. $5,000. So, shut the [ __ ] up. You're. like, you don't you don't want to be a. stay-at-home mom. I do. Yeah. Well, you. want to run away from everything. apparently more than anything cuz you're.

not doing anything. 5,000 is actually insane. I don't know. how you got that number by your. spending. Where? I feel like honestly. Yeah, cuz. you can spend on debt. And yeah, I feel. like there's no way that happened. My. credit cards have been maxed out for a. long time. Where did Where did the extra. $2,000 come from that? Let's find out. But, you know, that's more money than. you can possibly spend. So, I'm.

guessing at least for these next couple. months, no more no more going out this. week, right? That's in the plan because. you're [ __ ] you want to be a stay at. home mom. So, yes. Um, you're done. Also, this weekend, while we're talking. about going out, I will be attending a. bachelorette. I'm very excited about it. How much did you have to put towards. that? I mean, it's hard to tell someone. no for a bachelorette cuz I get it. It's. your like best friend probably, but how.

much do you have to put towards that? So, but that's different than you going. out to a bar every weekend. This is a. one time thing that happens here or. there. And I'm not dramatically opposed. to that. Okay. Well, if I had to put. $4,000, not $4,000, well, $400 to buy. the Airbnb because I That's clearly not. your issue if you're spending $2,000. more than you make on a monthly basis. Well, it's part of the issue because I. covered another girl's thing. Why? Because I felt bad. I had already told.

the other girls the price and then I. didn't want to. Money is a weird. conversation for anybody. And so, I just. was like, I have the money right now. Why don't I just do it? If I have it, why can't I do it? You know what I mean? And I feel like that's because you want. to become a stay at home mom. Yeah. What. What goal matters more? What goal. matters more? I think it's just about. timeline. Like I know. Yeah. Okay. Yeah. And you want to have a kid like. tomorrow. So what goal matters more? The mom. The mom. Then why aren't you. prioritizing it?

I don't understand. That's like youring. choice. You could just go do that. I. know. But also like I will not just go. do that. But you can at least make the. actual progress and the steps that is. necessary to get there. Getting on a. budget, not blowing all our money. I. spending $2,000 more than we make on a. monthly basis. Yes. Um, but fun is also. a priority for me, too. And on the. spatula, she wants to know. Of course, it's a priority. It's a priority for all. of us. But which one do you choose? They. can't both be the top priority when.

you're obviously failing one from the. other. Your obvious top priority is fun. cuz that is what your money No, that is. what your money is doing. Fun right now. Fun right now. But your fund right now. is preventing you from having a kid or. you're going to get a kid in a household. that's going to be stressed financially. and it's not going to be a good. environment. Well, not the environment. you would want. That's true. But I think. fun right now and then focus after the.

bachelorette, after the wedding, and. then after the cruise in September. I. will September. We're talking a [ __ ]. September. That's a half a year away. You're already talking about having a. kid at the end of theing year. So, sorry. And then a raging. That's so. stupid. But I Oh, shut up. I know. What. the is that? No, no, no, no. I'm not. going to let you get away with it. though. What kind of response is that? I. know. Yeah, you choose to do it. No. That's going to infuriate me. My goal is.

to have a kid sometime next year. sometime next year. That's a That's. enough time for me to get my together. and have and have fun. Yes. How? Tell me. what's your grand plan, please? Actually, okay. Okay. Very good. Very. good. May I borrow? May I borrow the. whiteboard? My friends, my friends, may. I borrow? Well, here's Lindsay. Okay. Why don't I get your plan? Why don't you. give me a little plan? Do a stepbystep.

instructional plan. Can I have that? I. want to see this because I would love to. see you math this out. Please give me a. little plan. Just a little plan, you. know, a step-by-step detailed high. overview plan that is going to be just. stellar. Best plan that's ever been. created in the history of the world. Please show me. June. Whoops. Mhm. Mhm. Mhm. So May says. wedding, right? Is that what this says? May says wedding. Yeah. Okay, good. So. no progress. Not a single piece of.

progress in May. June through April debt. You We're in. April and I just saw your spending. You. went $2,000 more in debt. So, what debt. are you talking about? You don't spend. you don't not spend more than you. You're going to a bachelorette this. weekend. What are you talking about? This plan's already broken. No. Look. Okay. No. No. This isn't a high detailed. plan. You're writing like two letters. April bachelorette. Have fun. I thought. it said death. I was reading upside. down. Okay. May wedding. Great. So, two. months gone. June until February is all.

save. No, it's not. No, it's not. You. don't. No, it's not. What about. September? September cruise. That's only $500. That. I $500, which is huge. It's a. substantial amount of money. You have no. respect for the dollar. $500 is huge for. you. What the [ __ ] are you talking. about? $3,800 comes in, right? 3,600. 14% of your money. You say that's. nothing. You spend 2,000 more than you.

bring in on a monthly basis. $500 is. nothing. That's just going to be an. extra 500 on top of the $2,000 than you. spend more on a monthly basis. That. doesn't make any sense. Well, it is. booked. What's the additional 500. for? What? What are you talking about? For the booked cruise. Oh. Um, well, it's not booked. Booked. I put. a deposit down. And then stop. And I put. What was the deposit? $100. But you lost. it. I booked an excursion for.

$400 refundable. But you still have to. spend 500. Yes. Good. You're not going. So you lost 500 instead of a,000. Well. done. Well done. Good. That's the cost. of being a dumb. And we're no longer. being a dumb. That's the goal. We're no. longer being a dumb. Yeah. But the goal. is no longer being a dumb. And sometimes. you have to sacrificing things. And. sometimes sacrificing some things is. sacrificing fun. I haven't been on a. vacation in like 4 years. Good. You're not in a position to.

You're not entitled to that. No one is. What the [ __ ] luxury world are you. living in? Shut up. Don't even Don't. even open your mouth. That makes no. sense. I don't care if you haven't been. on a vacation. You are not entitled to a. vacation. You can go on a vacation when. you're literally able to go on a. vacation. Mathematically, right now, you. are not able to. You are choosing a. vacation over the child. That is what. you are. picking. Which one lady?

Well, you're saying which one, lady? I. want to do both. That's what I want. Probably not. I You spend $2,000 more. than you've been earning on a monthly. basis. You have $20,000 of bad debt. 6,000 of it is IRS debt. Good [ __ ]. luck. Want to have a kid next year? Next. year's eight months away. $20,000 bad. debt. I could do like good $2,500 a. month has to go towards that. You're. bringing 3,600. Good luck. It's tax.

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is kickoff without the c. Get your first. month free at. getkff.com/kaleb. Let's get back to the. video. Yeah, but I don't have to get. pregnant at like January. I could wait. until the end of the year. I just want. to like be pregnant next year. Okay. even half the amount of time, 1,500, maybe $2,000 towards to go towards that, then you still have to get a fully funed. emergency fund, which I highly doubt you. have. So, at that point, you're still. dramatically. behind or putting yourself in a risky. position when having this kid. This.

makes no sense with the with the. desperation to be a stay-at-home mom. It's like, I get it and you can do that. if you guys want to, but mathematically. it's not working right now. It's not. just me, P. Like, I have a boyfriend. Boyfriend. Yes, we've talked about it. Mhm. He will be there to help. It's not just me. Like, why is your debt. there then? Well, because I don't like. to ask him for help. Then, will he be. there for help? Cuz I asked. But really, so the boyfriend's going to bail us out. without actually learning anything. So,

we're just going to get there again and. then bring him down. That's going to. That's such a for for co-parents and uh. eventually a married couple. That's. That's a really good successful start to. That would not bring him down. Hopefully. it will because you wouldn't have fixed. your behavior to pay off your debt. You. would have gone into more debt most. likely because you just bailed out. because of it. Also, does he have a. $20,000 laying around? Probably not. So, what the are you. talking about? I mean, it's a process. Everything's a.

process. I can It's a process, but your. process is going reverse. I don't think. like you can say some exciting words and. phrases, but that's not true. You don't. think so. You spent $2,000 more. Well, I. need to get this across your head before. we jump to these documents. the fact. that you can't even comprehend this. The. the the process you're doing is the. reverse. And if that's the way you want. to go, [ __ ] do it. That's okay. If. you want your child to grow up in a. completely stressful place where the. marriage is likely to not be successful. because you guys are doing one of the. leading causes for divorce in this. country, that is your choice. If you. want to have fun and prioritize vacation.

over a good household for your child, that is your choice. You can do that. You can walk out. But you came on this. show, you applied to this show for me to. give you the wakeup call of, "Hey, baby, you're [ __ ] up." And guess what I'm. trying to tell you? You'reing up. You. are not on the path. You What path are. you on? Your path is going down a. dirting hill. Rolling. Rolling. Well, the path is up there and everyone else. is succeeding. What are you talking. about? Baby's up there. You're going. down there. You're going to drown. There's a pond. You don't look like you. can swim. So, I I don't know. I feel.

like it always works out. I really do. I. feel like And like I said, all my bills. are paid. The debt is there. Yeah. But it's being paid on. I don't know how. I spent $2,000 more than Cayman. I don't. know where that's at in your. calculations, but I think both are achievable. I think. both are achievable. I understand I. spent more than Yeah. But that's not. like preventing me from Mathematically.

Tell me how both are achievable if. you're paying all your other bills at. the same time. I'm sorry. Please tell. I. said mathematically how are they. available at the same time if you are. still paying your. bills? How can we get there if in order. to have a fully funed emergency fund and. pay off all this debt before you have a. kid likely has to be even if it's a year. and a half from now like $2,500 on a. monthly basis to take into account the. emergency fund. How are.

you still having fun in doing that. mathematically? Give me the math. I. would love the equation because you're. going to be unlocking some new math that. is going to discover how the universe. was created or something in order to. make this worth. Please go. Please go. ahead. Okay. So, maybe I would have to. cut down a little bit. What's a little? Tell me. What's the number? You've. obviously planned this out in your head. What's the number? You figured it out. Come on. Please tell me. Maybe like an extra $300 a month. $300 a. month. What? Towards debt.

Debt. Yeah. Okay. $300 a month. Let's. see. $20,000. But you need $40,000 cuz. we're doing emergency fund. No money is. going towards that. $300. Wonderful. That takes 133 months. 133 months is 11. years. Congratulations. You'll be having. a kid at 35. Okay. So, go ahead. Please tell me this. grand equation. I would love you to walk. me how you got there. You're the genius. You have it figured out. You have the. path. You're on the path. The path has. been discovered. We're on it. We're.

walking. It's so good. What a lovely. path. Please tell me. I want to learn. how every stuff works. I want to go down. this path. Okay. So, maybe I just go on. the bachelorette, go to the wedding, go. to the cruise, and that's it. Okay. So, the things we already talked about, they're going to take away money from. the debt payoff. Um, so you spend no. money going out to spend no money. getting coffee. You spend no money. getting Listen, everyone on the show. smokes. Do you smoke something? I do. Of course you do. What do you.

smoke? Um, vape and Oh, you're a double lung. destroyer. Congratulations. Double. budget breaker. Wonderful. So, are you. taking away that? Are we taking away. that? Probably not. That's an addiction. Good luck. Want to want to means. absolutely nothing. Means absolutely nothing. You do or you. don't. I. will. I will. I can. I just Can you? Why. haven't you done it? It's hard. Hm. But so will you then? I will. I will.

But you haven't because Well, I want to. quit anyways because the cruise is. coming up and you can't take it on the. cruise. Listen, answer this question. truthfully. This will just give us a. good a good just me of your financial. situation. Your boyfriend, you say you. split things. Okay. Does he ever have to. cover any of your bills that you are. responsible for? Sometimes he will pay. my phone bill. Well, you then you're. done. Okay. If he already has to pay for. bills that you are, hey that you are.

supposed to take care of. That's like once in a blue moon. That. blue moon must happen. endlessly. Okay, listen. If he is taking care of bills. that you are required to take care of. already when we're splitting bills, good. luck. you're going to put $2,500 towards. debt and emergency fund and have a kid. by a year and a half times period. Good. luck. No, you're not. Maybe it's the. time to accept. Maybe your path is. wrong. Maybe your method does not work.

and that is okay and you're willing to. hear something different. Maybe you. don't have it figured out. Maybe you. were accepted on the show because your. finances are dumb. I mean, maybe. So, you think just. cutting back those three things gets us. there even though he has to pay for the. bill. So you're cutting back all food, all vape, all smoke, all cancer, all. off. You're cutting back everything. Everything is all gone. [Applause]. All gone. Is it? I think. How much you.

spend on fast food in a month? I mean. that number I cook probably once a week. So let's see if I had to guess like. $300. I cook once a week. So it's $300. Does. that mean you eat out six times a week? Um, probably. Yeah. And how many meals. do you eat a day? Like two. Two meals a. day. Breakf or lunch and dinner. I don't know how I'm learning to cook. I. am learning to cook. I was never taught.

Okay. Use our cookbook. Use our. cookbook. Everyone out there gets a. physical version of our cookbook when. you sign up for Simpler Budget, the. annual edition, which saves you months. of payments. Anyway, um, use the cookbook. I mean, it's just. a recipe. Learn how to cook. It's right. there. It's budget friendly, too. It's. for $300 a month of grocery budget. Um, so $300 a month. So, two meals, two. meals you cook once a day. So, that. means we have 2 * 6 + 1 for the other. meal that you're not cooking because you. cook for one meal and you only eat two.

meals a day. 13 meals. We must have $300 13. So, you. spend. uh. $300. Oh, sorry. But $300 a week you say. you spend. No, you said a month. Probably a month. Yeah. Okay. So, 13 *. 4. So, that's 52. Well done. 352. So, you spend uh $5.76 a. meal. Your path is very interesting.

It's the most interesting path I've ever. seen. The path's a little crooked and. broken. and so. I'm learning to cook. It's a process. That's not a process. You say you spent6. $300 going out to eat. That would be. $5.76 a meal. What's the last time you. went to a fast food restaurant, even. McDonald's, and got something for five. bucks? That's actually a meal. They actually have cones. Sure. They.

have a mcgang bang that I get quite. often. What? Yeah, I know you've It. looks like you've been mcgang bbanged. quite a few times. Whoa. So, Ronald just can't stop shoving it in. I'll let him. You're a McDonald, not a. [ __ ] I know you like free things and. I'm giving some things away for free. right now and let me show you how to get. it. First, I'm giving you a limited. edition financial audit Tumblr, plus a.

30-day trial of Simpler Budget Premium. to new users when you buy my four class. bundle. And this trial is normally only. 14 days, but I'm doubling it just for. those purchasers. And do you just want. one class? No worries. You'll still get. access to that 30-day simpler budget. trial. And act now because we're winding. down our intro pricing at midnight on. April 23rd. So, this is the best price. you'll ever see on these classes. So, if. you're feeling stuck or intimidated by.

your finances, you're not alone. And now. is the best time to get started. Grab. your free limited edition Tumblr, sit. back, and finally take control of your. financial future. Or don't, and you can. end up right here. Oh, by the way, you spent a,000 hours. going after you, so I mean, go yourself. No way. Yes way. $20 on average per meal. if you only cook one meal a week, which.

yes, makes sense. I just swipe, which is. bad, I know, but. I have if I want something and I have. the money, why don't I get it? You don't. have the money. You spend $2,000 more. than you make on a monthly basis. You. don't have the money. What are you. talking about? What are you talking about? I just if I want it. Just want it more than the kid. That's not true. I do. Okay. I want a.

kid. You don't even know how much you. spend on food. You don't know how much. you spend on any of that. You do not get. to leave this building until you. download the Simpler Budget app. It. automates everything. It is so simple. It will literally just change your life. I don't know why everyone in the world. doesn't just use it. Literally download. it. And again, anyone who signs up for. the annual version gets one of these. Founders Edition signed notebooks and. the cookbook mailed directly to you when. you sign up for annual. What do you. think your financial score is? 0 to 10. Zero being the worst, 10 being the best. I actually took the test I did and I got.

a zero. Oh, and you think you have the. path to get there eventually? The. process. This is Yeah, the process, guys. The process, guys. It's a process. It's a process, but you can't describe. the process. It's a process. You just. don't know what what the you think what. what you talking about it's a process. everything's a process by your logic you. it's a process I don't know what you. mean it's a process it's the dumbest. thing work if you want to see a [ __ ]. process go to calebhammer.com and I'll.

go through the equation and quiz and. I'll give you your financial score and. if you have a process that you need. broken. apart come down here to Austin Texas. I'll be happy to have you on the show at. calebhammer.com/apply. I have time. I I have time to fix this. before I have a baby. We've already went. through the math, lady. I don't. How many McDoubles are up there? Like, is that just like taking all brain. capacity away? No. That might be got.

really excited when I mentioned. McDoubles. Did you guys see that? Jeez. Is my favorite place to eat? Uncontrol. Is it? Mhm. I love it. It's cheap and it's good and it's fast. You spend $20 on average burn. Yeah. Okie dokie. Let's get into the finances. cuz Oh. my I don't know if you'll be able to. understand the numbers I am saying. We'll see. Capital One. Just OG classic.

capital one. We're looking at. $1,847.40 with a $67 minimum monthly. payment. Good. What's going on with this card? What's going on? What's that? Uh, so I. know on that one, I. think I bought an Apple Watch on that.

one and then I lost it. So, I had to buy. another Apple Watch. Yeah. For all your. workouts. My Okay. Yeah, I am trying to work out. That's. why I have to have it. And I use it for. work. So, Uh-huh. You have to have it for work. Well, I don't have to, but I use it. I. said I use it for work. I didn't say I. have to have it. What do you even use it. to work for? When I'm driving and the.

guys are texting me and I can just be. like, "Hey," or respond or and it does. track when I work out, right? Cuz you do. not have a phone. I do have a phone, but. you're not supposed to be on your phone. when you drive. Does your car not send. text? Yeah, it does have Apple CarPlay, actually. Then what the are you talking. about? Well, Apple CarPlay is for maps. It's just easier to just like see it. Great. That's certainly not distracting. to respond to. Respond, not just. glancing. Yeah, I just need to look if I.

need to respond. Yeah. Hey Siri, text. You didn't have Apple Care? No, I didn't think I would lose it. When did you lose it? How quickly after. purchasing it did you lose it? Um, maybe. like 5 months, which really sucked. And. then I. waited another 5 months and I was like, "Okay, no, I have to have a watch." And. so I went and bought another one. Okay. So, what's going to happen the next time. you lose that in a you drop it in a mc.

bag and it somehow ends up down your. throat? I'm not going to lose it. I this. one I'm taking very good care of. I'm. trying to. I have a lot. Trying to. Everything's trying to. I You haven't. done anything but trying to. You have to. try. I don't think you've tried. I've. seen your actual effort. I don't think. you've tried. There's nothing in here to. suggest that you have tried to be able. to use that word. I don't think you're. allowed to use that word. Trying. Yes. I. think I'm always trying. Fake version of that word. Always. thinking about trying. So guys, I might. attempt to try today. I might try to try.

to try. When you say like that, I'm like. I think about everything all the time, like all my payments. But you do. nothing. But I think about it. I choose. That means nothing to. me. That's even worse than you being. ignorant cuz you're not ignorant. You. know, you know this and you don't make. progress by a choice. It's like. overwhelming. It is. Yeah. But it gets. more overwhelming by you not addressing. it. I'm trying. No. No, you are not. We just.

I'm working on it. No, you're not. You. live in a delusional world. I know what I need to do. Then do it. Why don't you? Because Can you tell me. why you actually don't? Please, I would. love to hear why you think you don't. Why? Because in your own brain, why do. you think you don't? Because you are. knowledgeable about the situation and. what you need to do. Apparently, according to you, I think it gets.

overwhelming. I think I don't know where. to start. I think But you said you know. what to do. I know what to do. It's just. like hard and then like people invite. you know where to start and you know. what to do. Which one is it? Well, it's. just hard. What? To like think about. Okay, I don't need to do this. I know, but I'm not thinking about. like I don't want to hurt people's. feelings when people invite me out or go. out. I'm a people pleaser. So if they. invite me to go eat, of course I'm going. to say yes. You have to go spend money.

there, though. You can go and get a just. drink or something. Listen, your eating. out cost was on average 20 bucks per. spot. You don't have to spend that much. depending on where you're going. What? Everyone's inviting you to go to the. drive-thru. That doesn't make any sense. You go, you say you say you go to. McDonald's every second. So that's not. getting invited to go out. That's youing. around. What do you mean? That's not. saying someone no. That's just telling. your boy MC. Ronald McDonald. Yeah, this is telling. him no. And he's not inviting you. No. matter what you see at night.

No, but that's that's more McDonald's is. more for like lunch break. I eat. McDonald's and then if I go home and I. don't cook and me and Cameron, you're. going to be one of those parents that. only feeds their kid McDonald's. No way. Yes, you are. You too lazy to cook for. yourself. That's what I'm saying. This. is a process. I have to get there is. it's Yes, it's a process if you do it, but you're not. Youing Oh, your your. terminology and use of words is going to. infuriate me. You don'ting do anything.

yet. You just try to pretend like you. are or that you say the right phrase to. get out of some push back. Shut the up. You can't take care of yourself. You. think you're going to take care of a. kid? Yes. I think I will be What's going. to change that? I think I'm going to be. a good mom. You're going to be excited. for the first six months and then you're. going to move on to something else. No, I do. You're going to feed them fries. I. do move on to like hobbies like that, but kids are different. Kids, that's. like all I've ever dreamed about is like. kids. Three. Three kids. But you are.

choosing McDonald's over that because. it's still like possibly a year and a. half away before I'm even pregnant. So, is this conversation just a repeat. fest? I've already described how much. money you need to put towards it on a. monthly basis to get there in a year and. a half. To pay off everything. Yeah. And. have a fully funed emergency fund in. order to have a kid in a safe way. without them growing up in a stressful. financially. household. Like $2,500 a month. It's. quite a bit.

Spent a,000 getting McDonald's. That's. insane. Yeah. I don't Okay. You also. spent. $134.34 on this card. Why are you. putting money on a credit card that. cannot be fully paid off that is. acrewing interest? You started above the. credit limit the month previous. You. started above the credit limit. For. [ __ ] sake, what are we doing here? And. we're ready to have a kid. I didn't mean. to spend on that card. I didn't mean to, guys. So, it's okay, guys. It didn't.

actually happen because I didn't mean. to. What the None of these words you say. mean anything because I took my dog to. the pet parlor. I had the money in my. account, but they charged my credit card. automatically. I think I think No. No. That's a [ __ ] lie. Or again, you're. stupid. I don't know. Which one is it? Are you a liar or stupid? That one. Are. you a liar or stupid? I was confused. Are you a liar or stupid? Liar or stupid. are the options. Choose one. Confused.

What are you confused about? Because. that was a different month. Is your. confusion so much that it equals stupid? I feel like we might be going that way. The third option that there's not a. third option. What do you mean? You. can't What were you confused about? I. was confused about which month I was. talking about when I brought up the pet. parlor. It doesn't matter which month. you started above the So, every month. you started above the credit card limit. and then spend on it. So, so you would. be my response. That just shows it's. even worse. You're making mying mouth work overtime. today. This is insane. This is so dumb.

You think it's okay and excusable. because I didn't remember which ones. which actually means that I around every. single month. Make it bad every single. month. What are we talking about? You. know what's wild? It takes me just 5. minutes to deep dive into strangers. financial disasters, but it took me way. too long to finally get life insurance. for myself. And why? Well, I thought. it'd be a whole ordeal, but then I found. fabric by Gerber Life. Look, I'm not.

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mefabric.com/caleb. Let's get back into. the episode. You ever try to organize. your finances while your dog is throwing. up on the rug? The doorbell is ringing. and your Wi-Fi is doing that fun thing. where it just disappears mid budgeting. session. Yeah, chaos. Now, imagine. running an online store on top of that. Shipping, inventory, returns. It's. enough to make you consider a simpler. life off the grid. But today's sponsor, ShipStation, keeps the chaos contained. With just one login, you can manage. orders from everywhere. Shopify, Amazon,

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started over the credit. Probably. because of interest. I never put it over. by myself with my purchases. So, maybe. interest got me there. But it was not like I didn't purchase. something to put it. over. If that makes it any better. No, I. honestly honestly I didn't even listen. to any words you just said there because. none of the words you've said this. episode have been honestly.

good. It's all bull. It's all bull. You. don't have any sense of logic that makes. you you're not understanding me. Then. explain it in a different way to try to. make it break through to me. Try it in a. different way. A different way that you. haven't done yet. Um h I have that card. I feel like I was only using it when No, I'm not going to say that. No, say it.

I was going to say I was going to say. that I feel like I only use it when I. have. to, but that's not true either. The way. I see it is if I can pay off these. cards, which you can't. I can. You. haven't. And we've done the math. So, good luck. I can pay off these cards. Okay. Okay. Yeah, we can all say things. that aren't true. Sure. Go ahead. Well, I will pay off these cards and then I. have like it's not going to take me that.

long to pay off the cards, I don't. think. If I like buckle down, if I. buckle down and do it, pay off the. cards. Buckle down. Good luck. I can do. it. If I put my mind to something, I. will do it. I just haven't like done it. That is a custom buck. But it's like my. time limit is coming. It's almost done. with school and then I put a time limit. on myself for a baby next year. So maybe. that's like what I needed, motivation. But we know what it takes to get there, which that's my fifth time saying this,

which means literally nothing gets. through to you. So all of a sudden, you're set on this. kid. Are you a hobby jumper? I am. And. this kid's going to be the new hobby. This is what it sounds like to me. That. makes so much sense. I don't think so to. you. I think it's a hobby. I 100% think. so. What are your hobby jumps? Um, I. like to crochet and paint. Yeah. And. talk about the jumps and how much money. you put into them. You wouldn't know. because you don't track your money. I. don't I know I spent quite a bit on.

painting because I had to buy like. canvases and paints and paint brushes. Um I also tried to do my own nails. So I. bought like nail set and stuff. Great. They look like nothing. Well, because. they're not done yet. I'm going on a. bachelorette this weekend and they will. be done. then this weekend. Continue. Um, I bought a hiking. app. Did not. For what? I wanted to.

start hiking. Did you? No. But I still can cuz I still have the. app and it doesn't like cancel until. March or. something of next year. It's like a. yearly thing. Why? Why would you do. that? Cuz I feel like in my mind if I. spent money on it, I was like, "Okay, then like you spent this money, you have. to do it." But you didn't. But I didn't. Oh, girl. [ __ ] sake. You're losing me. here. You're losing me. What the [ __ ].

are we doing? What a. joke. What a joke. I had good intentions. You're just. jumping. No, buddy. I I honestly I don't. know what your intentions are. I don't. think you know what your intentions are. You jump between things. You want to. have a kid. It's your next hobby. This. is stupid. You started a credit card. with Shut the up. You're It is not a. hobby. It is to you with the way you do. things. That's all I've dreamed about. It's like for real. That's what I'm. meant to do. Yeah. All you do is just. eat McDonald's every day and that's what. you're going to do for them. My god. No,

I'm not. And as a fellow fellow fat, I. get it. That's what I mean. I love me. some McD, dude. No. Mc gang bang. Listen, I'm not deep enough in the. McDonald's lore to have I don't know. what the you're talking about. I don't. live my life there like you. Okay, look. You take a McDouble. No, I don't even. want to hear it. It's going to split it. in half. It's disgusting. I'm already. I'm becoming disgusting. I'm dis I'm. vomiting right now. Make gang bang. 67. Okay. So, yeah, your purchases uh.

curbside groceries. Okay. You know, it. does cost a little more. Typically, there's a little bit of a search charge. Stop. Can you take that thing off? It is. obnoxious. It is beyond obnoxious. It. matches your personality so much. Obnoxious. Go Ring Botanical Garden. snacks and munchies, Taco Cabana, Chick-fil-A, and going in and getting. some bull. Yeah. Lunch. Real.

important. When we have a kid, when we. can't pay off debt, when we're starting. above the credit card limit. Yum. That's for lunch. Lunch. And then. the goat green. I can't even like say the words. I said. them. I've said them so many times. I. can't even like say the. words. I Well, are you're like I don't. want to make you mad. Well, are you.

[ __ ]. shut? It's okay. Don't sh bread. Sauce of choice. Condiment. Mhm. Meat of. choice. Yeah. Lettuce of choice. Mhm. Tomatoes if desired. Bread. Yep. Packed. up. Taken to work. Consumed. Wow. We just saved so much.

money. So much money and time. And time. You already curbside the. groceries. You already curbside the. groceries. Yeah, that's really a. blessing. Curbside. I don't know. I guess when I'm. like thinking about or when I buy. groceries, it's never like, oh, the food. that I should eat instead of going out. to eat. No, but like it's like since I. don't know how to cook, I'm just buying. like I look up recipes, buy the recipes, and then that's like all I can make with.

that whatever I bought from HB. What are. you even buying at Target? Um everything I can show you if you. want. Yeah. Uh curbside curbside. groceries and curbside target is the. best. Okay. Curbside. Yeah. So Oh, so. you purchase in app? In app and in. store, but I like type my number in. Okay. For return purposes if you ever. need Oh, good. Trash. meat. Well, actually I feel like her her.

custom cooked meal is um spaghetti and. sauce, but that's okay. Listen, it is. cheap. I'm not going to make fun of it. I'm not going to make fun of it. You. just made it sound so much more learning. to cook earlier on preworkout. Pre's holding some weight. Okay. Ryan. and Kendra Scott. That was for Kendra. Scott. Thank goodness. Good. That was. for I do like to shop, but that was not.

for me. That was for my stepmom's. Christmas present, I think. [ __ ] your. step. Are you guys married? My stepmom. Oh, stepmom. Sorry. Sorry. Sorry. I was. hearing mother-in-law. No. Not married. to my stepmom. Yeah. Yeah. Yeah. But. also, [ __ ] your stepmom cuz I don't. care. No. No. Christmas. You want to. have a kid? Put your kid over your. stepmom when it comes to Christmas. Christmas. That's Christmas. Yeah. There's so many more Christmases. Shut. the [ __ ] up. This is the first year I. could actually like do it. Endless. amount of tampons.

Do need tampons. I know. We got to clean. up. Clean up after the big gang bang. That was pretty funny. You just get bags. of cheese, but nothing else with it. You. make sausage rubs. That's one thing I. do. We got bleach and bags of. cheese. The classic combination. Endless. endless clothes. Endless amount of. clothes. Also, Stitch Fix. That's like. another subscription. Oh, a subscription. box. Come on. That could be fun, but.

that's for people out of debt. It could. be fun, but that's for people out of. debt. You could totally get clothes. cheaper. And also, I assume you have. clothes. Do you have clothes? I have. clothes. I have I feel I have clothes in. my closet. I just like never can find an. outfit or put anything together. So, Stitch Fix. What are you broken? Can you. not look? I'm confused. You also have a. boyfriend to help put him on a mission. Like it just never looks good after you. wear it a couple times. Then don't look. good.

Well, I don't want to do that either. Cool. So, you don't want to be able to. afford to have a kid? No, I do. I just I. don't have to be ugly. Ugly and have a. kid. Like, I can be hot and have a kid. Surprised you're not like buying a ton. of makeup at Target cuz a lot of my. friends, they buy a makeup at Target. That's cuz I buy makeup at Ulta. Okay. So, how much we spending on. makeup? Maybe like. $70 a month, if that.

That's not that much. This is everything. adding up. It's everything adding up. Your math isn't mathing. Yeah. Interesting. I mean, it's 49 bucks. just in a single month. I just You just. What? What possibly do you just Whenever. I need something, I buy it. I'm very You. have a misconception about the word. need. You do not need $1,000 in. McDonald's. I do not. But I wanted. to eat and I didn't pack a lunch.

Right. You needed to pack a lunch. Needed. Maybe you should have listened. to that need. I [ __ ] I don't know, dude. I don't know. Bank of America. Yeah. I just feel like call your. boyfriend for me. Call him. Let's see if he will answer. Put on his figure.

What are you going to ask. him? It's the quietest phone ever. invented. Speaker, I think so. Also, stop using his real name. Oh, sorry.

Might be in Could text him and tell him. to call me back when he gets a chance. Hi, you piece of [ __ ]. Okay. Un is it is it on do not disturb? Yes, sir. On do not disturb it. So that. if he calls back we can.

hear. So Bank of. America $28156. Not a crazy balance, but it also I mean. I'm sorry. That's all they will give me. And I paid I paid $300 to have that. card. Good. You you need to learn your. lessons when it comes to Listen, you can. use the Fizz card. It's connected to. your checking account. So, you can only. spend what's in your checking account, which is what you need, honestly. But it.

still builds your credit. But for sake, listen, you're at your credit limit. You. made your minimum payment, but then you. spent more on it than you even put. towards it. Why? Why again are we. possibly spending money? If I had to guess, it was probably You. had to guess. Great. You don't even. know. Oh my gosh. Food. If I had to. guess, but I've had that card for 3. years. I requested two increases and. they haven't given it to me. Do you not. see how that is a good thing? Do you. legitimately not see how that is a good.

thing? Okay. The reason I'm trying to. and I'm also I I'm going to tell you I. did apply for an Apple card and they. gave me like a path to follow pretty. much to approve me. So they didn't deny. me, but they didn't approve me. either. So but the only reason I'm doing. that is because Credit Karma said people. you cannot have access to credit card. You can't manage it. You can't manage. credit to save. your life. I feel like I really.

I feel like I can't. I just up. I I need. to What if you could? You want to have. two basically maxed out credit cards? What are you talking about? What are you talking? It's right now I. have nothing motivating me. But now I. do. I have a kid. Not enough. Guys, you're taking that out of context. Are. you kidding me? You've wanted to have a. kid forever. Shut the [ __ ] up. A kid. didn't just exist yesterday for you. What the It's becoming more real. I. don't think I don't think I don't think. you're not a real person. You're not a.

human that exists. I am. This is a. dream. I'm in a dream. You are a. mythical beast. Maybe it's delusional to. you. But now it's becoming more real for. me. He's going to graduate the end of. this year and then bam, now it's time. This is like actually $20,000 of debt. $20,000 under emergency fund that you. should probably have plus bills he's. going to have to take care of and he's. getting an intro salary plus his student. loans or whatever debt the he has. I. actually did ask him and he's very good. with money. He only has What did he say?

What did he say? He only has $7,000 of. debt and student loans. And student. loans? No. In in student loans. What. else? That's it. His car is paid off. Yeah. Why he puts up with you? Because he. doesn't have to put up with me. I put up. with myself. No. Cuz if you guys are. going to get married, if you're going to. have kids, oh, he's going to have to put. up. with this now. You are not. Do you not. know what words are? Do you not know. what words are?

You're like [ __ ] Twitter that throws. out buds words endlessly. You just throw. out words, but you don't know what the. actual meaning of them are. Everything. you say is. meaningless. I'm being so mean, but. you're just like you're not saying real. because I just feel like you don't. understand. I'm wanting I know what. those words mean. I This is where I need. to take care of it. I want to take care. of it. Yes. Okay. But okay. Okay.

No, you're not doing anything, lady. You're not doing [ __ ] anything. I'm. going to start. Okay, then. Why didn't. you start? Let's hear that. Why didn't. you start? If you want the real answer, I just started watching you in October. Oh, guys. Oh, guys. October. Jake. Lindsay. October. Hey, guys. Guess what? Michael audience October. She started. watching us in October. She started. watching us 6 months ago. We're looking. at the last month. She put two credit. cards to the max. One was over max. The. other one is just it's all bull spending.

1,000 hours in McDonald's. Guys, I but I. just started learning about finances a. half a year ago. What are you talking. about? Well, I started watching you in. October. That's when I wanted to change. everything. But then I But then you. decided not to because you only get. I got a puppy. Do you realize, lady? Lady, did you not realize that a child. is even more intense than a puppy?

Yes, the puppy was kind of unexpected. because that's not how puppies work. It. is not like a kid work. Whoopsie. Oh, there it goes. No, it created something because I had been. texting the breeder since like April of. the year before and it is time to cut. down your financial stress and gain. total financial. dominance. You got to download my. budgeting app today. It's free to start.

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October." That's an accident. "Oh, I. have a litter coming in October." "No, the accidental breeding is the one where. you pop one out." The accident was I've. been telling my boyfriend, I was showing. him pictures and he was like, "No, we're. not getting a dog. No, we're not getting. a dog. No, we're not getting a dog.". Finally, it was around my birthday and. she texted me in uh like what's. September. It was like, "Hey, our. puppies will be ready." And so I told. him and he was like, "Well, do you want. it?" And so then I had to like scramble. to get money to pay for my half of the. dog because I did really want it. He's.

very. cute. I also have a cat. Her name is. Stella and she's a. Siamese. So I have Maverick the poodle. and Stella the Siamese. I was being out. of pocket but also getting my. frustrations out of me. I It's a help. because you're impossible to discuss. I'm really trying words with I'm trying. There's another use of a word that is. incorrect. What's a better word for. that? So, when did you get a dog? October. I got a dog in October. And. then it was my birthday. The day you.

started watching? Yes. But I had to. This was like my opportunity. He'd been. saying no forever and then finally it's. yes. And it's. no. I think I just like kept asking. He's very I think he loves me. So. I hope so. It'sing dog. No. Well, no. I. was talking about my boyfriend loved me. enough to say I hope so. if you're going. to have a kid with him. Yeah, I [ __ ]. sake, dude.

We went in and got some probably vapes. Yeah. Well, yes, vapes. But what fees. have we had this year? There should be. this year. Probably a late fee. Was it a. late fee? Pull up your app then for I'll. find the fee. Pull it up. Which one? Bank of America. The card we're talking. about the car. Duh. Oh, I was like, what? Um, I feel like that is your. mental response to almost every sentence. you hear. Wait, you're going to be so. mad, Caleb. I already am. My dog also.

was only for a designer dog. He was only. 1,500. So, that's not like And I only. had to pay half of it, so. 750. And he's the love of my life. I. think it was worth it. Okay, her balance has actually only gone. up. So add an extra. add put a nine to.

it. You do nothing but inhale toxins. Hey, but I run. You know the same stuff. in aerosol is in vapes. That compound. that is the meth. It is not literally. water vapor is aerosol substances. We don't know the long-term effects. yet and many more studies are coming out. about and it's really has no actual. scientific upsides. The week I swear. it's only like one hit at night and I'm.

every day. Oh, not every day. Maybe you. said one hit a night. One hit at night. time sometimes. That's every day. You. Sometimes. Sometimes, guys. It was to get Chicken Express. That's why the balance went up. Yeah, that's crazy. Yeah, that's crazy. I don't I don't think there's any late. fees. I don't think there shouldn't be. I got to not be so mean to you. There's.

This is impossible. You You just upset. me. You just You just upset me. I'm. sorry, but No, you're not. No, you're. not. How the I use this app. Bank of. America. That sucks. How do you pass? I. want to review the past. Can I tell you something? No. Maybe. Okay, I'm going to. Um, so on the Bank. of America, there should only be a late. fee from like when I first got the card. When did you first got the card? Three.

years ago. And I just like I it was my. first ever credit card. There's been a. fee this year and I need to look and. figure out what the fee was. Okay. I am. looking and I am finding I am in past. statements. Okay. cuz I found it. It's in January. Let's. find out what it is. Should we find out. what the fee is, lady? Should we find. out what the fee is? The. fee. The I'm very interested because I.

don't You made a purchase that was. essenti essentially transacting as like. a uh almost like a cash equivalent. purchase and you got a transaction fee. for it. So, what does that mean? Mhm. Let me see what purchase that applied. for. Cash equivalent. You got something. that was cash equivalent. Like you may. have pulled out cash on accident. You. like. something. Um but I can't figure out. which one of these purchases it would. have applied to. I don't think I've ever. pulled cash off my Again, I it may have.

honestly been an accident, but you paid. three bucks. I think I'm very proud. Don't making sure that at least my. payments are on time. very proud of that. Um, and then also. my income should be going up a little. bit more. Okay. Well, I wish that was. good news. I don't know how much yet. Um, she told me I would be getting a. raise. Oh, but she didn't tell you what. No, my boss is also my best friend and.

so I think sometimes Trust me, it's not. a good dynamic. No, I know. But I'm also. very proud on the fact that we are very. good at being work and friends. I know, but trust me, they don't feel like they. can do their job. Well, that's what. that's what I told her, too. And so. that's why when she first brought the. raise, I was like, "No, I just feel like. this is a pity raise." And she said, "No, I swear I've been thinking about. this since September.". LA. So, I don't know how much, but that. should be coming.

In September? Yeah. Oh my. So this is. basically it's not even we don't even. know who even know that's so far. That's. so that's nothing. No, not she told me. she's been thinking about it since. September. It's even worse. She didn't. give you anything and she's been. thinking about it since September. She. told you she was going to get something. that she's been thinking about since. September, but she won't do. No one's. got any since then. Is the business. failing? I don't know. Is it not doing. very well? Like I don't know. I think. it's just like we're waiting four. I.

don't know. Oh my gosh. I don't know. This means nothing. But she's your best. friend. Yeah. So I can talk to her. Can. I talk to her about this? Um, yeah. Okay. I'm going to call her on the post. show. I'm going to call in the post show. because this is already running long. Oh, and there's still some more. documents to go through. Okay. Okay. But be sweet to her. She's like. alive. She's so sweet. Great. Now sweet. enough to actually give you the money. that she said she was going to give you. Great.

She's sweet still. Listen, if you need. therapy after that conversation, I'll. gift you three therapy sessions through. Sundermine. No, it's what our audience. uses is what you should use. It's a good plug. Is this. I don't even know. I've lost it. I just. I don't I don't have hope in you. I'm. sorry. No, don't say that. It happens. I'd say it happens one out of every 10. recordings. Um and it's happening here. No, don't say that because because I. really respect you. I really do. Oh,

thank you. I do. And so you can't tell. me you don't have hope in me because. that's why I came here is cuz like you. That's great. You've been watching for 6. months and you've done nothing except. actually get worse. Very personal. So. you yelling at me is probably what I. need. Yeah. But someone like you I've. seen people like you. You get fire lit. under anyone like me. You've never seen. I promise you you're not unique. I am. You're the least unique individual I've. ever met in my life. You are wrong about. that. Well, you're like everyone else. that's been on. Maybe financial wise.

Maybe not like when I say I'm going to. do something, I'll do it wise. You're. right. Not everyone goes to McDonald's. every day. No. Well, okay. What is this? Consumer credit. disclosure. You finance. It's 100 It's. 100.3% interest. You're right. Maybe. you're not like others. You're [ __ ]. delusional. What is this? That one's. very bad. That is Oh, is it? It is. I. would say so. I believe this is bad. What is it? That is a loan. I needed.

needed. Here's the word need again. Because I didn't want to borrow money. from anyone. So, we get 100%. Yeah. Yeah. Go on, please. Because I had. bought Maverick the puppy. And then I need You can't have a kid. I. need You cannot have a kid. No. Yes, I. can. You can have a kid. Yes, I can. No, I will. No. No. You're 100% right for. aing dog. You cannot have a kid. You. cannot have a [ __ ] kid. You cannot. have a [ __ ] kid. You cannot have a. [ __ ] kid. There's not a chance in. this world you can have a kid. Not a. chance in this world you can have a kid.

No, I'm going to. You are the furthest. away from ever being able to have a kid. Do not have a kid. Do not have a child. No. No. No. You are going to take out. payday loans for this kid. No. There is. nothing to suggest that I am wrong, but. everything to suggest that I am right. You got a dog and you took out 100%. interest rate loan for something. related. Yeah. What what what did you. take it out for? Because specifically I. think I bought the dog and then I needed. like. some bill came up and I had like I was. unprepared for the dog. So, but it was. my only opportunity. I'm telling you, I.

had to. More dogs always are born. Not. Maverick. You I planned to pay it right back. And. that's Yeah, you you you planned to I. planned to. Yeah. Guess what will. happen? Please inform us all. I think. something else came up. Oh, nothing ever. comes up right for you. And so I had to. just make the payment killing me on it. Yeah,

that one I know that one's pretty is it. crazy? I didn't want to do it, but you. did it. You. didn't need to get the dog. Okay, this was in You took this out in. October, the month you started watching. the show and got the. dog. And recently I did. How did you. even find this loan? This is a horrible. interest rate. Where do you even find. this? I just typed in loan. Googled loan.

near me. I'm telling you, it was a quick. thing because I realized too late and I. didn't want to borrow money from. anybody. I never borrow that much. This. is the stupidest loan I've ever seen in. my life. But now it's worth it's a. trillion dollar now. It's like $500. still. I don't know. Well, it might be I. did refinance um or like bump it up. What? A little bit. Wait, what does that. mean? Like so I got it paid down till. like. $100 and then recently I needed. oh because I had covered someone's part. on the Bachelorette and so I got.

Guys I just got $300 more dollars. Yeah, but I had to. I had to. You don't even know what the. You stop it. Stop it. Oh, answer it. Is. that him? Yeah. Answer. it. What the is wrong with your. girlfriend, dude? What the [ __ ] is wrong. with your girlfriend? What possibly is.

wrong with this? What? What happened? Do you even know her existence? I do. Do you? How much death does she. have? I would say around three to four. thousand. Yes. $20,000. You know more than me then?

Don't. She almost paid off her payday. loan. Did you even know she had a payday. loan? She had a [ __ ] payday loan. Did. you know that? No. Well, she had a. payday loan. She almost paid it off and. then she took it all the way back up. again. Yeah. No, that's that's news to me. Thising Kenny G wannabe over here is. just. endlessly going into debt to spend. $1,000 a month on McDonald's. Yeah. She. wants you toing blow her up with your. nut so she can pop out a kid.

I'm I'm right there with you, brother. I. agree 100%. Yeah. So, you're not going. to have a kid, right? Cuz she can't even. have a dog. Yeah. Cop way your way through it. Right. No kid. No. Yeah. I mean, we. we've got to get some kid under control. before we even think about supporting. another another person. And you might be. able to. I hear you only have student. loans. Is that correct? Uh I have one. loan out for 3,000. That's uh for.

student loans and I took that out this. semester. I have one more semester till. I graduate. That's the only debt I have. Thank How the What is she going to do? She What is she going to do? She does. nothing. But it's just smiling here like. a disgusting. Oh my gosh. I'm I'm sorry. I'm raging. I am actually raging. I feel. my blood coursing. I am raging. I am. raging. Okay. It's It's something that.

needs to be discussed for sure. Great. Absolutely. Fantastic. You didn't know. how much debt she has. You guessed about 25% of it. You didn't. even know she has a payday loan. 100%. interest. 100ing% interest. Yeah. All. she does is just payday loan. You guys. got a dog. It's an accidental dog. Whoopsie. I accidentally chose to adopt. a dog. Oh no. Accidents, right? And she. can't afford to take care. You're going. to bail her out. She's going to go into. more debt. She can't control herself. She can't noting. She can cook one meal.

a week. She has to get high every night. before she goes to bed. There's nothing. she can do in life successfully except. for somehow hold it down her job. And. let me guess, it's only because her boss. is her best friend. Yeah. No, we we've talked about, you. know, planning planning a budget and. everything like that, but as far as. sticking to it, it's it's yet to be. seen. But it's something she's working. on for. sure. This has been beyond enraging. I.

can't even. express. I can't even express, buddy. Like, this actually um kind of sucks. I hear you. I hear you. I I I don't I don't know what to do with. her. How do I like literally I can't get. things through to her. I can't get. things through to her. I I try to. explain the math that it takes to be. able to have a kid in a year. By the.

way, do you want to have a kid in a year. and a half? I'd like to graduate. I'd like to land a. good job before I before I have a kid. Uh once once that's done, I think I. think we'll be able to handle it. But um. at at at this time and point, no, I. don't think I don't think a kid is in is. in the uh picture. Yeah, she would need. to spend $2,500 on a monthly basis to. pay off her debt, have a fully funed. emergency fund by the time you have a. kid in a year and aing half. So, I don't. think that's going to happen is the. thing.

and she can't listen to me. I explain. that and then she says, "Oh, I'll just. cut back a little bit and I'll be out of. debt. It's the process. It's going to. happen. I want to do it. I learned about. the show 6 months ago. It's all going to. be good. Everything's going to be fine. I cut back a little. I can't get through. to her and I'm pissed." And I look like. an [ __ ] on camera right now 100%. But. people do not realize how absolutely. enraging this is to have to talk to. someone like this to literally have to.

this is my requirement for the day is to. do. Okay, I'm not going to complain. But. this is. so maybe I am. I don't know. I don't. know. But I How are you going to deal. with this, buddy? Cuz I don't have a. way. Uh I don't know. I'm kind of I was kind. of hoping that um when she got the call, you know, to come on the show that she. could get some uh some sense, talk some. sense or maybe like shed some light on. some situations. She can't comprehend. words and then she uses words that don't.

make the definitional sense of the word. she's using. No. Yeah, I hear you. I hear you. Um, like I said, we've had conversations. in the past about budgeting, about. cutting back and everything like that. But, um, you know, I think I think hearing it. from someone someone like yourself, I. think that would help. Uh, as long as. she as long as she's open to change and. open to uh, you know, constructive. criticism. She doesn't know what she has.

to do and she refuses to accept. anything. Listen, just one word of. recommendation. No, one one. recommendation to walk away with for. you. is what one one word recommendation. What was that? No, just one. recommendation for you, buddy. You're on. the green. Please don't try to sink one. in this hole. Run. What the heck? Listen, I don't know. This. is beyond stupid. I mean, this is it's.

soing dumb. Is bad. I know what that one is the. worst. The other ones weren't that you. continually max out. The other ones. weren't. The other ones actually were. not. Huh? Were the other ones not? No, I'm just saying. Exactly. Stupid loan. Nah. $3,000 of. IRS. Great. We're not any Oh, okay. Oh. my gosh. Okay. I need a second.

Yeah. And I tried to tell Do you have. something pleasant that you're able to. tell me to just for a moment? Cuz this. has been called so far an hour and 50. minutes. I was just like I'm I'm broken. I can tell you show you pictures of my. dog. No. No. Cuz that dog is dead. Well, the loan also was like a way to. try and build credit. The IRS loan. No, the first the payday. loan. Yeah. You thought that would put a.

smile on my face. No, I didn't think. But the kind of I'm trying to build. credit. And the fact that I'm on a payment plan, that's good. That's process or progress. Sorry. Forced payments. Listen. Yeah. Not forced. They didn't make me do that. You put yourself on a payment plan so. you forced to make payments because you. can't manage your own money. because I. cannot pay $6,300 right now. We could.

have budgeted it out over a course of a. few months. I bet you. can. try. car. Don't even look at. this. I don't even see the What's the. balance? I don't see it. Did I just see. the minimum payment like.

10,000? Let's log in. You want me to see. at what interest rate? [Music]. 24. Yeah. Let's. see. Let's. see. No. thanks. Balance. Yeah. 23.52 and the balance is.

$10,811.84, but it's the first car I. could find and I really needed a car. I. My other one I wrecked. it. I had Yeah. bad wreck. Total three. cars and then I had to find another car. You total three cars. Yeah, I. did. Yeah, it was an accident. Yeah, like your birth Caleb, that's.

probably wasn't an accident. [Music]. Term that's probably a billion years. long and a minimum payment you can't. for. What am I doing here? What a waste. of Thanks for wasting my afternoon. Yeah. What the [ __ ] though? I don't feel good. I walk away feeling good when there's a. path that I can get people on. When. people come back on the follow-up. channel and they have.

I didn't think. exactly $100 in our checking account. All of Starbucks, Apple, crab restaurant, rooster. It's. all [ __ ] It's all Oh, another page. of bull. For sake, man. [ __ ] sake. That's all. justing $11 in savings. I'm sorry.

Yeah, it's a mess right now, but. achievable to fix. Not by you. That's what you think. That's what I know. I've seen I've done. this for 3 years. That's where you're. wrong. Also, I guess maybe now is a good time. to tell you. that my boss pays for my phone and my.

car payment. Why Why did your boyfriend. have to cover your phone bill? Because. um probably went somewhere. else. And when I said that's like once. in a blue moon, it really is. It's like. once. in maybe like every 6 months when I just. like. up I'm just I'm thinking of this in the. moment out of just I hate this. I am.

here. This is a realing conversation. happening. I know when we're just. sitting here watching it after the fact, it's like the you don't understand how. rageinducing this actually is. Having. going through four of these. conversations a week for 3 years, you. can't use words. You are incorrect about. everything you say. Everything is broken. here and you're not going to do. anything. And it's all so that you can. just sit on your ass all day if we're.

being completely honest cuz you've. hopped on a new hobby of having a kid. I'm done. I'm done. And I Jake, please. mute her because I no longer want to. hear her face. They can't hear you. They. can't hear you. Please get up. Please. get up. Up. Stand. Okay. She's the wing. And go over there or I'm going to put. you in the green room and I'm going to. have 10 minutes of the post show without. having to look at you cuz you annoy the.

out of. me. And I'm annoyed. And this sucks. And. this isn't the best look of me. I'll be. honest. But this is the reality of. what's actuallying happening here. sometimes. And I'ming done. Don't end up. like that. Okay. Download the Silver. Budget app and you won't join us in the. post show. After 10 minutes of calming. down, we'll bring her in. I'll call her. boss. But this I just feel like he's. wrong. No offense, Caleb.

That you ramped up again. You were kind. of rude to me. the personalities that I. despise the most in this. entire world. Lindsay is going to call. the boss and get that raise out of her. Save this woman's income. To watch the. financial audit post show, click the. join button below.