I F*cking Hate Her | Financial Audit

It's easier to say that we're from. looking out in on the outside living. side of it. >> I know the debt. >> You're off by 10,000. >> N 10,000 in the grand scheme amount of. money. You're right. You're in an insane. amount of debt. >> I'm totally on board with budgeting. I. know we have enough money, >> which is why we spend more than we made. >> Got to pay my $1,500 mortgage and I only. have 50 bucks left. How am I supposed to. spend money on groceries? Are you. >> I am not. I'm Liz. I'm [music] 38 years.

old. I'm from Pittsburgh, Pennsylvania. And this is Financial Audit. >> Well, thanks for coming down to Austin. from Pittsburgh. I appreciate it. What. do you do up there for a living? >> I work on a marketing team for a bank. So, I'm our corporate merchandising. officer. >> Working at a bank, but in marketing, that's usually not what people do at a. bank, >> right? >> You know, when they come on the show. So, what do you make? Marketing can. make, you know, pretty pretty solid. money legitimately.

>> So, right now I'm at about about 65,000. a year. >> How's that doing in Pittsburgh? >> Um, it's all right. I feel like I could. always be making more money. >> Everyone can always be making more. money, but how's it doing in Pittsburgh? How's that 65 running? >> I'm married, so I have a husband. >> Well done. Is his Are his finances. incorporated into these stocks? >> Yes, everything is. >> Is he a [ __ ] or is he? >> No, I don't think he could take the. heat. So, he's a [ __ ] I was correct in. my assessment. >> He I think it would be receptive to a.

conversation, but I don't think it could. handle the. >> this type of conversation. >> Well, that's okay. So, his finances are. included in this. >> Correct. >> Okay. So, what's his job? >> He um works as a local delivery driver. and warehouse person for a. >> marble countertop. Gotcha. And he just. started that job. So, he's just What. does he make? >> He's making $22 an hour about uh 40. probably 40 plus hours a week. We just. got his first regular paycheck.

>> And what hit? >> Uh it was 1750. >> And is that every other week? >> It's semionthly. Good. >> I'm guessing it'll probably be a little. bit less than that typically. So 15 is. probably safe. >> Okay. So 3,000 from him. What hits your. account from you? So, historically, we've been semionthly and I've been at. about 3500 a month, but after the. beginning of the year, we're going to. bi-weekly. So, my paychecks are going to. be less. >> Yeah. And but honestly, pretty dang.

similar. Let's call it 6,250. >> Yeah. >> Okay. As far as the HOUSEHOLD INCOME, NOT BAD. MIDWEST, rust belt, definitely. not one of the more expensive areas, that's for sure. Declining area. Pittsburgh, not a bad city, though. Uh, so cheap. So 6,200 should be doing. pretty well. >> Yeah. >> In Pittsburgh, you and the the hubby. >> Yeah. >> Are you? >> Um. >> I would suggest no if you're on this. show if I'm being honest. >> I mean, I feel like we've been treading. water for a while.

>> Why? What's treading water to you? >> I never really thought our debt was too. bad. I felt like we were kind of making. progress in a good way, but I have this. plan. Yeah, I'm a big planner. >> Oo, tell me the plan. So, >> the Liz plan, the plan of Liz, >> it's kind of a. >> Liz and [ __ ] husband, >> a very multi-step plan. Um, okay. >> But. >> most are, [laughter]. >> we'll uh potentially go downhill if. anything bad happens. So, it only works.

if. >> Why do we set that plan up then? Cuz. that's not a realistic plan. Bad things. happen all the time. What are we talking. about? >> That's very clear. >> So, what But why would you make that? No, that doesn't make any sense. Why. would you make that plan? That's not a. plan. Well, you have to have something. if you're taking. >> Yeah, but you're the one who constructed. the plan. You're the one who made the. plan. >> Yes. >> So, why would you set up a plan that. can't have any flaws happen along the. way? >> Well, it's better than not having a plan. at all. >> Sure. But it sounds like it's almost. basically like that in the end. >> Well, >> cuz it's an unsustainable plan cuz there.

is no life, no life that anyone lives, even the best lives among us, where. something unpredictable does not pop up. along the way. This is not possible. This is not a thing. Could be 5 years, could be 5 minutes. I don't know. I get. that, but you got to you got to do what. you got to do in the moment. >> Sure. So, what's your grand plan? What's. this grand plan? Banker plan. >> I mean, you kind of have to look at. everything first. >> Oh my gosh. Or you could just tell me. the plan. I'm sorry, but I want to know. I want to know where your brain is at as. I'm going into this.

>> It does involve. uh. uh several consolidations over the next. two to three years, >> which can potentially be okay. It's just. like any other tool, >> right? >> Even a cash advance to a certain point, you know, can be okay if you're using it. in the right way. If you're not changing. your behavior, consolidation will you. just like uh everyone that's ever been. on this show. So, I wouldn't necessarily. suggest that makes the most sense if. you're the one on the show, meaning your. behavior is likely out of control. >> I would say that.

>> what are you going to use the bank that. you work at or something? Is that like. the grand scheme? >> Yes, actually. So I well I actually. worked before I was in marketing. I've. been with the bank for over 12 years. I. was in a branch for six and a half. years. >> So I am very familiar with. >> the different options that are available. and Ielves. over. [laughter]. >> Well you are. So. okay Mrs. Bank teller [laughter]. >> I wasn't just a teller. I was on the.

platforms. I was opening accounts doing. loans all that good stuff. >> Wow. Wow. >> Yes. >> For yourself? Not specifically, but. >> if you're [laughter] if you're the the. banker queen, if you if you were helping. other people with their loans navigate. the system, same people that were. getting Why are you. >> Well, I think it's it's easier to say. that we're from looking out on the. outside than it is living inside of it. Yeah. Well, >> well, what else is there to go off of?

Oh, you don't feel the numbers say you. are, so you're not what? >> No, I mean, make that make that make. sense to me. When you look at it as an. outsider, as. >> I'm looking at her, how much debt do you. have, banking lady? >> Uh, bes besides our mortgage, >> you know, that's actually a debt. I. don't know if you believe that or not. >> Yeah. Um, probably about. 360. >> Just about 350. Okay, very good. How. much did you spend last month, banking. lady? >> Well, uh, income was probably.

>> No, that doesn't matter. How much did. you spend last month, banking lady? >> Between 75 and 8,000. >> Okay. $15,970.33. So you're not Can you tell me how you're. not? >> Does that include interest? >> It potentially includes interest. >> Okay. Another. >> is everything that is going against you. essentially. >> Oh, here's the question I've always had. when you tell people that about credit. cards. >> to tell Well, so. >> as someone who obviously we're not in. this place now, but as someone who was. consistently using a credit card and. paying it off every month.

>> were. previous. >> were Yes. But now by choice not doing. that. >> why [laughter]. >> to get away from it. So that's partly. what the point. >> not paying on your debit is [laughter]. to get away from Oh so you're going to. let and then do a. >> no use trying to use the debit card. instead of making a payment on the. credit card just to use the credit card. again. >> Sure. But you should still make. payments. >> Yes. Oh, definitely making minimum. payments. >> Oh, you were making it sound like you. were Okay. Okay. What's your What's your. question then? So, so we were at a place.

where we were spending on the credit. card and then paying it off every month. >> Yes, I got that part. >> So, if I'm looking at purchases, let's. say it's $1,500 of purchases that I made. that month. >> Well, why the are you doing that? >> Well, just as the example for now, >> shouldn't be. You're broke. You're dying. in debt. >> But if I'm if I'm paying it off, not. quite 40 yet. Give me a couple more. years, then I'll be 40. >> One, you're basically 42. You're not. paying off your debt. So anyway,

>> okay. So I don't understand why this. example exists then. This is not based. in reality. >> Well, I'm just as far as calculating the. amount spent in a month. So I spent. $1,500 on a credit card, but then I made. a $1,500 payment. Does that count as. $300 $3,000 worth of spending? >> No. >> That was my question. >> So it clearly indicates you're even more. than you think. >> Well, yes. >> No, it's not. [laughter]. >> Okay. >> It's not. Well, I was I was always. wondering. >> It's net in versus net out. It always.

is. >> I'm definitely in. >> That's how the spending is. Okay. >> And your net out is $15,970.33. cents. Of death, of insanity, of you, of. chaos. What does the husband who's too. much of a think about all this? Does he. even know anything about this? >> He does. >> And his thoughts. >> Um, so I handle all the finances. >> Okay. So little little cuck husband. He's cucking in more ways than other. He's sitting in his cuck chair right now. at home while his wife is here speaking. on the finances for the house.

>> Um, >> although I know he's a cuck. >> He just started a new job, so he can't. take time off, but anyway. >> Well, you could have said that at the. beginning. >> Well, I'm saying it now. >> Yeah, but he started with because he's a. [ __ ]. >> Well, anyway. So, uh, where was I going. with this? >> I don't know. You were. >> We were talking about him and and what. he knows. He knows about it. I know. finances. He knows about it. He. definitely knows how much debt we're in. And. >> you were even off on your debt. So, >> well, I know the debt. I know all the.

debt. >> You're off by 10,000. >> N. 10,000 in the grand scheme. >> Substantial amount of money. You're. right. You're in an insane amount of. debt. >> But. well, of which we have not been able to. hear. I mean, I heard some. consolidations might be happening. >> Yes. Like that that can be good or bad. depending on I mean your spending is. obviously outrageous so it would be bad. >> I think. >> if you did consolidation right now it. would be bad. >> Well yeah that's why it's not planned.

until. >> again. What is your plan lady? >> Like I said there's two rounds of. consolidations that. >> well. >> are going to happen within. >> around today. >> that it wouldn't make sense. >> Okay. So what's your plan then? Timeline. details please. anything. I can't have. an educated conversation if I don't know. what the we're talking about. >> So, there's a chunk of the debt. that will consolidate in July.

of No, we'll be refinancing. >> Why are you doing that in July? >> Cuz there's some things that are coming. >> Why. >> do at that time? Are we going to go. through it or do you want to. >> I'm just trying to get a generaling. timeline in the reasons why. Okay. >> There's a couple credit cards. >> Uh one or two one. >> What the? He broke two ribs this. morning. >> Yeah. I love my husband very much. He's my. best friend. >> But he's. >> he's not.

he is accidentrone. >> [laughter]. >> He He cooked for a living for a long. time. >> So that means he falls and breaks two. ribs. >> He's gotten hurt at work. >> How old is this man? >> 46. >> 8 years. >> Well, that's fine. I'm not talking about. the age gap. You're you're I You're 38. I think that's okay. Yeah. >> I I don't think I don't think Twitter's. going to cancel him for that. No, they. probably will, but. >> okay. I'm not on Twitter.

>> I'm barely on anything actually. How can. you guy can he if he's doing all this. manual labor, how is he going to be able. to do this with two broken ribs? How are. you guys going to be able to afford. bills in any way whatsoever? You you. said your plan relied on nothing crazy. happening. You literally just broke ribs. this morning. >> Correct. >> So what the are you talking about? That's not a plan. That's you setting. yourself up for failure. >> That's why part of the plan. >> Oh plan this unknown plan. this. [laughter] plan that we've seen 5% of. >> to save up at least a $5,000 emergency.

fund by the end of 2026. >> End of next year. He just broke his ribs. today. You You think nothing's happening. by the end of of next year? In 13. months. In 13 months, he's breaking. ribs. Things always happen. You call him. accidentally prone. >> I did not call him. >> I said that in. >> I will have AI say it for you. You You. said it. >> Accident prone. ass. >> words happen. Who knows what anyone. says? Who knows what anyone says time.

from time. >> rewinded it. We see that I didn't say. it. You did. >> Editor, have AI have her say it. [laughter]. >> Clearly, he's just showing that things. happen and he can uh I guess I'm being. told that they can just let him go in 90. days uh in his state for any reason. whatsoever. >> Whatsoever. I am a little. >> and I would consider that a relative. So, you have concern and you're not. going to put we're not going to do any. kind of sacrifices in order to get any. kind of emergency fund until next end of. next year. >> Well, that's what I'm trying to figure. out exactly what the sacrifices are that.

we need to make. >> Okay. Don't go out to eat. You spend. hundreds of dollars going out to eat. >> I'd be interested to see those numbers. >> Easy one. Okay. Those numbers here they. [laughter] are. Miscellaneous [ __ ]. alone. Other things you don't need. It. could be video games. It could be comic. books. I don't know what the it is right. now. It is $1,6126. >> Well, I know a lot. >> Minimum on [ __ ] was $2,150. minimum. Minimum minimum minimum. minimum. You want to know how to.

sacrifice? I mean, right there. Listen, that gets you that gets you to that. $5,000 emergency fund in approximately 2. months just by cutting back on that. So, you say he knows, but does he not want. to participate? >> So, >> you run the finances yet you it. shouldn't he be involved then? Shouldn't. there be. >> I wouldn't say that I'm it. I. >> How not? You run the finances and yet. this is where we're are. We are. So. you're the captain. >> I would say that he would agree with me. in saying that if it was up to him, there would be no plan at all.

>> What? [laughter] No. What does that even. mean? >> If finances were left to him, there. would be no plan at all. >> And I love my husband. He's very smart. He's he's my best friend because very. smart. Yeah, sounds like he's not super. detail oriented and he I feel like. >> you don't have to be detail oriented to. use a budgeting app like Dollarise. It's. so simple. It just does it for you. I'm. so confused about that right now. >> So why don't you guys just use a. budgeting app? It's so easy if he's. struggling at detail oriented crap. >> Well, I want to use the budgeting app,

but it's not working the way that I want. it. >> Why aren't you using a budgeting app was. the question. Well, he just recently got. an iPhone, so I finally got him over to. the right side. Um, so I do want to use. a budgeting app. And that was one of. >> Why don't you found. He doesn't need a iPhone to use a. budgeting app. Was he using a flip. phone? >> No. >> Then what the are you talking about? Google Play Store, Apple Store, they.

have the same things. >> If one makes one for one, they have it. for the other. >> He's not very technical. No, he's cannot. call him smart. And I'm sorry. And I'm. No, he can't download an app. What are. you talking about? He falls and breaks. his ribs every 3 days. What are you. talking about? >> He's going to have a field day with. this. >> Well, listen. This kind of comes on you. >> We kind of We You know, we're we're. He's good in ways that I'm not good and. vice versa. So,

>> what are you good in? Your finances are. a complete disaster. Where's your good? Where's your good? Tell me your good. I. don't see good. I I at least have a. understanding of what the situation is. >> Why aren't you using a budgeting app? >> Because I haven't found one that I like. that works properly. >> Works properly. Then you don't know what. the you're looking for. Cuz it's not up. to you. It's not up to how you want it. to look to tell you what you want to. see. It tells you what you need to know. You categorize things. It does it. automated. Boom. You're good. You're.

chilling. Isn't there to baby you. It. isn't there to give you what you want to. hear. Listen, uh the Ramsay one, it's a. little too strict in his worldview. Okay, you need a budget. Too complicated. on boarding process, but all these if. you use them, they will at least work. Like all these dollar-wise, Monarch, any. of the ones, they will give you what you. need to know. It's automated if but you. just want to see what you want to see. Millions of people use these. Millions, tens of thousands use ours. Millions of.

people use all the budgeting apps. altogether. >> I want to use. >> you are not a broken person. Well, okay, great. Then do listen, you are you have. the ability to actually make use of. tools. Yes. >> But if you aren't seeing what you want. to see, that's not the platform's fault. That's you needing to actually follow. plans. >> Well, then I need I need somebody to. help me with it. >> The fact that you guys are incapable of. doing anything is no longer anyone. else's fault. >> I wouldn't say that we're incapable. >> Okay. We just Where's any semblance of.

capability? Because again, you're. running the household scientist. >> It's a disaster. He. >> It's an organized disaster. >> Where's the organization? >> I have a spreadsheet. >> The spreadsheets don't matter if you. don't do anything based on it. >> I do do stuff based on because this is a. disaster. >> Where the plan came from? >> You have the plan that you can't even. talk about. >> I'm happy to talk about the plan. >> 20 minutes in. I've tried to get you to. talk about it a couple times. Why do you. keep interrupting me? >> Dude, you said a consolidation is coming. in July,

>> correct? >> 5,000 hours by the end of next year. >> Yes, >> that's it. Well, we already know that. plan is. >> the first step of the plan. The second step. >> I'm giving you the platform to talk. about your plan. >> Okay. So, there's a a set of debts. that will [laughter] get the plan is to. consolidate them in July. >> We've already heard this one. Got I was. really hoping you'd give more new. information. >> in the beginning of 2027. That consolidation and then another set.

of debts will get consolidated. again. >> Why? What's the logic behind the plan? >> Well, especially when you guys can't. control your spending and you spend. $2,100 on [ __ ] minimum last month. Why would that how would why would we. consolidate? Cuz you're just going to. rack up the debt again. I already have. examples of here. Colton has said that I. mean, yeah, you pay you've paid off a. credit card and then racked it all the. way back up again. Like, you've done. that. You obviously show that you can't. manage spending to save your life. So,

why the would a consolidation be. something we're even considering? You. just need to ground down debt, pay close. off your accounts, close your accounts. You can't manage [ __ ] to save your life. You're not a credit card person. Why is. your plan setting yourself up for. failure in two ways? One, not prepared. for an emergency. Two, just uh. consolidating your debt, which is going. to lead you with double the debt in the. end. Then you're consolidating your. consolidated debt. Why are you even. doing that? What's the logic behind that. for you? For you. >> Because there are certain debts that. you'll see that uh that is the only. option to do. >> What the [ __ ] are you? Okay. [laughter].

>> 2020. >> You seem like you know what you're. doing. The banker lady, you know what. you're doing. So, what the what are we. talking about? >> So, I watch her show. >> Thank you. >> Yes. And there are a lot of times where. I feel like you shut people down where. >> I'm in a financial audit. >> I I understand. That's why I'm here. Oh,

I said it. Um, so [laughter]. it's one thing to look at a situation. from the outside, >> from the numbers, strictly the numbers, which is. >> but as far as and and I'm totally on. board with budgeting. I know we have. enough money after the point. I know. [laughter] we have enough money after we. pay our bills to budget for those. >> which is why we spend more than we made. >> those categories. Um but when you're in. the daytoday. >> oh like everyone is.

>> like everyone is. >> oh very scary dayto-day. >> Yes. Uh when you know I can say I have. budgeted $750 a month for groceries or. whatever it might be. But if I get a. $1,600 paycheck and I got to pay my. $1,500 mortgage out of it and then I got. to pay a $50 electric bill or whatever. it is and then I only have 50 bucks. left. How am I supposed to spend money. on groceries? >> So without a credit question for me. Uh. we already know your husband is but are. you.

>> I am not. >> then why the would you even bring up. that point if you spent $2,150 on. [ __ ]. That is what'sing you. I don't want to. hear it. you guys bring in $6,250. Well, soon to be about $3,250 cuz he's. definitely going to lose his job because. he can't do any manual labor because he. falls and breaks his things every single. day of his life because he can't stand. up without breaking and he can't. download apps and requires an iPhone in. order to be able to do that cuz the. Google Play Store is so hard. Yeah, complicated individual like that.

>> Different We have different strengths, right? >> That's That's No, no, we're not coping. with that. >> There are things that he's really strong. at that I. >> Bro, it's downloading a app. Dude, that's not We can't excuse that. We. can't excuse that. >> He's a [snorts] little bit older. >> Let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans. are crushing you, Y refi might be. exactly what you need. They don't rely. on your credit score alone. They look. for borrowers who have the desire and.

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out. Link in the description below. Sign. up for Time. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. My 80-year-old. grandpa is downloading apps. This is Do. not cope your way out of this. I I don't. I'm sure you love them. You do not need. to cope your way out of this. But how. the can you sit here talk about the. money's coming in and worrying about. paying your mortgage, worrying about. paying groceries when you spent $2,150. on [ __ ] last month? That's not. shutting people down. That's you having. a horrible take, coping to the extreme.

and not being able to recognize that. clearly the issues that you are dealing. with is because you can't stop spending. money on [ __ ]. >> Well, I'm interested to see what the. [ __ ] is. I know what a good chunk of. the [ __ ] is. >> What? >> And I hate to put it on him because I'm. also responsible. >> Okay, then don't put it on him. I don't. know. >> But he has a habit of. gas station spending. >> Uhhuh. So, >> like stop it in and get. >> several times a day. >> What is he? Several times a day. What. the is he getting? >> We live right down the street from a gas. station.

>> Why is this guy such a little. >> Oh, he's he's going to be mad at me. Um. >> why for saying what he spends money on. when we're going through the finances? Because he can't handle being called on. [ __ ] He's holding back his household. >> Do you guys have kids? >> Uh no, but we want to. >> Good. The luck. He's holding back his. household. He's stopped at the gas. station himself. I mean, I'm definitely. part of it, too. >> Sure. He's stopping at the gas station. multiple times a day to get some. [ __ ] That's He's not willing to be. called out on it. [ __ ].

[ __ ] Cuck. >> For real. For real. What is he getting? What is he getting? >> Cigarettes. >> Okay. Yeah. Go ahead and kill yourself. Not not like suicide, but like he's. giving himself cancer. Why? Why? Why. does he want that? That's a constant. >> battle argument. >> Um, >> well, no [ __ ] I wouldn't be with him. That's disgusting. How do you even. manage to keep your nose open when. you're near him? >> It's got He doesn't He doesn't smoke. quite as much as he used to, but.

>> how many packs a week? >> A week. Maybe one every two days. He's definitely not a pack a day. >> Gross. Disgusting. Absolutely. He smells like. [ __ ] He is going to die young. Okay. And snacks. Energy drinks. >> No, not energy drinks. Bottles of water, which really drives me nuts. I'm like, why are you buying a bottle of water? >> I told I I He is. >> Oh my god. He's going to be so mad. [laughter]. >> Why? Why is he going to be mad at you?

This is literally why he didn't think. this would be coming up. >> I just won't let him watch it. Um, >> right. So, he is a true He really is. You completely own him. >> I don't even know what that means. Maybe. I'm too old. Listen, when Colton was on. the phone with you doing the onboarding. and everything, he got mad because he. couldn't buy lunch because he didn't. have a credit card and they were all. overdrawing. You guys were overdrawing. on your bank account while you were. doing the onboarding for financial auto. Why the are you with this guy? This. piece of [ __ ]. >> This loser smoking in his 50s.

>> He's not 50 yet. >> Smoking in his 40s. Going bottles of. water at the gas station every day. instead of buying a walk or just getting. a loser. >> That does drive me crazy. >> [ __ ] Degenerate. Nasty. Nasty ass. Stinky. [laughter]. >> He's my best friend. I love him very. much. Um. >> Well, enjoy him while you got him. >> I I know. >> Won't be there for long. >> I remind him I remind him every day. >> and he really cares about life. That's. someone who I want to be with for the. rest of my life. >> We've been together for a long time.

>> How long? >> 15 years. >> And what's your participation in this? >> My spending. Well, you say you go to the. gas station to get some [ __ ]. >> No, I don't go to the gas station. Um, I. don't even know really. And that's what. I'm interested to see because. >> Well, you said you said uh blame's on. him, but it's also on me. >> I buy lunch. I work downtown. It's a lot. easier obviously just go. >> Yes, downtown makes it hard to pack. lunches. >> Yeah, I'm really I don't think I'm.

struggling on that one. >> I mean, I. >> downtown means you're closer to food. options. Let's go back to the scenario. with the paycheck and having only 50. bucks. >> Your spending that you is not included. in your hypothetical for some reason. >> Yes, please tell me. >> Well, when I get to that point and I. only have 50 bucks left. >> cuz you spent $2,150 on [ __ ] Yes. Go ahead. >> What What am I supposed to do though if. I need to get. >> spend money on [ __ ] and get. groceries? [laughter]. >> Then at that situation when you're once.

you're in that situation, >> you wouldn't be in that situation. because you follow the show. No, your. situation. No, your situation's moronic. Your situation's moronic because it'll. never happen again by the end of this. But by the time you leave the show, unless he's not on board, unless you're. just going to be a degenerate after. this, it'll never be a situation you. have to deal with because you're. actually going to be a responsible adult. for the first time in your damn life. >> Well, let's see it then. >> Let's see what you doing. Yeah, let's. see it. I hope so. What do you mean. let's see it? Of course. Come back on. and show me that it happens. What do you.

mean let's see it? That's what I want to. see. >> Okay. Me, too, >> dude. Dude, what the what are you. talking about? Why would we do that. hypothetical that shouldn't be happening. in the first place? Because. >> your hypothetical hypothetical is. moronic. It's based on degeneracy of. insanity. >> In the perfect world, that shouldn't. happen. >> Perfect world. You are choosing to spend. $2,150. in a single MONTH ON FULL [ __ ] GAS. STATIONS, multiple times a day, unless. he doesn't give a [ __ ] about the. household. Does he not give a [ __ ] about. the household? Does he not give a [ __ ]. Cuz he's doing it multiple times a day. Does he not give a [ __ ] If he's not. giving a [ __ ] then he's doing what he's.

doing. >> I I would like to think he gives a [ __ ]. >> Well, clearly not. If he's going. multiple times a day getting bottles of. water, doesn't even have a bread at. home. Use uses faucet. Use his faucet. Bulk buy. Bulk buy. Grocery store. A. couple bucks. Bulk buy water bottles. THE IS HE DOING? GET A BIG [ __ ]. THING. GET A THING. PUT IT IN A water. bottle. Easy. He clearly doesn't give a. [ __ ] Degenerate. Stinky. He's not going to like that. Um, >> I give a what he likes. I want you guys. to have a better life. Why the would I. care? Why? Why would I give a [ __ ] what.

he likes? I like you guys being able to. pay your bills and I have the. hypothetical where it's like, "Oh [ __ ]. I got to get groceries, but I only have. $50." That hypothetical only exists. because he doesn't give a [ __ ] about the. household. That hypothetical only exists. because you go and you blow money on. [ __ ] and you can't pack a LUNCH CUZ. YOU WORK DOWNTOWN. WHAT? OKAY. I mean, you grow up you grow up spoiled. That's what I have as a note. So, clearly, I think that is actually what. is happening. You grow up spoiled.

You're not willing to change your. lifestyle at all, no matter what. happens, including him breaking a rib, losing a job. You're a spoiled brat and. you're not willing to cut back on. anything. And then when it comes time. where it's like, I can't afford. groceries cuz I blow my money on things. that I wanted and was fun and was. entitled to, now I'm a whiny little. victim cuz I don't know have enough. money for groceries. You're going to be. on the just like New York Times article. Oh, people can't afford groceries in. Pittsburgh. And then they don't go into. detail that they spent $2,150 on.

[ __ ] But [ __ ] you. I'm spoiled. >> I was I always say I was spoiled but not. spoiled run. I was the only I'm an only. child. I was spoiled but not spoiled. Run. >> Go on. >> Make that mean something to any of us. >> Well, I wasn't like a brat. I was just. >> You're still saying nothing. >> Well, maybe you're just not listening. Um, >> no. >> So, yeah. I mean, I I grew up very, you. know, I was taken care of and I got.

things that I wanted, but I. >> Yeah, you guys, cuz anyone who talks. like that grew up wealthy teacher, anyone, we weren't. >> Okay. And what was dad? >> Dad was a truck driver. >> Truck drivers make good money. And. teachers can make good money depending. on what they're doing. >> It wasn't like an overro the road. He. was like a local delivery truck driver. And I mean, they worked really hard and. I'm, you know, but. >> Okay. square footage and rooms and baths. of your childhood house. Oh, I couldn't. tell you. Square footage. >> Rooms and baths. >> Three bedrooms, one bathroom.

>> Okay. Oh, middle class. Solid middle. class house. >> Okay. And you couldn't manage to not. live in the lifestyle that you wanted. and grew up with, though. And you're. just living now and allowing yourselves. to go further and further into debt. You. and your husband of how many years? >> Uh married for seven as of yesterday. Happy anniversary. Uh together for 15. >> Okay. And we want to have kids. >> Yes. And we'll probably end up with your. >> age. No. >> Yes. >> No.

>> If it doesn't happen by the time I'm 40, I'm not gonna literally two years. >> I understand. That's two years. >> Wait, so you're saying throughout this. entire process where you're only getting. $5,000 saved for an emergency by end of. next year? That is halfway through our. child's attempting years. >> Wait, what the [laughter] So you're. bringing a child into this disaster? your your plan your plan that has no NO. ROOM FOR ANY wiggle room, no room for. anything bad happening and you're. bringing a kid in. You know, there are. complications that happen all the time. when it comes to baby leaving body.

>> Yes, especially when you get older. >> Well, yes, you are old. >> It's called a geriatric pregnancy. >> I'm not old. I'm just seasoned. >> That seasoning is actually dust. >> I don't know. My husband likes. seasoning. >> To him, you are still young because the. dude is nearing retirement. >> I don't think either of us are going to. be able to retire. >> I agree. You will be dying on the. Walmart floor. Unfortunately, he will be. 55 doing that with lung cancer. >> Maybe Target instead of Walmart.

>> But um what were we talking about? >> Kids. >> Kids. >> You're setting yourself up for complete. failure and you want to bring in a kid. during that process. That's a joke. That's horrendous. >> Well, that's why I want to get a handle. on what the [ __ ]. >> No, but your plan specifically. Your. plan specifically leads to only $5,000. in savings. >> We got to start somewhere. >> By the end of year Yeah, but only by the. end of year one of the two years of. trying to make a kid. >> Well, we trying to make a kid for. >> Oh, what is this? Not wrong or your eggs. are broken. Which one?

>> Um, neither. I think it's just timing. >> Do you not know how to time ovulation? >> I don't know. Just. >> My girlfriend knows when she's. ovulating. Do you? >> Um, it's not always that simple. You. don't track it in an app? No, >> I know. We struggle at downloading apps. in this house. >> No, I do have an app. >> Well, it probably doesn't work the way. she wants. >> I do like the app that I have. It. actually works pretty well. Um, but you. know, things happen. >> Why don't you guys just I don't know.

>> Well, you said we're old, right? That. makes it a little bit more difficult. >> to who? Which one? >> In general, >> dudes be like medication. >> Okay. Well, okay. Have a kid or don't? I. don't know. But. >> but anyway, >> it sounds like I mean, how long have you. been trying? >> 5 years. >> Okay. [sighs]. And you're calling it quits in two. >> Well, it gets hard. >> Not going to go the medical route. IVF, anything like that? It's expensive, but. >> very expensive. >> But but I want people who want to have.

kids to have kids. >> Yeah. >> I want you guys to have kids. It's it's. very, you know, we need to encourage we. have a declining birthing population. Like even even if you were No, no, not. if you're a horrible person, but you're. not a horrible person. >> That is a statistic I'd be interested in. reading about in a declining birth rate. because I don't know if I believe that. necessarily. I believe it, but I'm interested in. >> Yeah, I'm glad [clears throat] you're. interested. I'm thrilled in that. We're. all very curious about your interested.

We're all interested in your what you're. interested in. The thing is you. obviously net our accountant who knows. more than you banking lady went through. your finances and net out was double of. net in. >> I want to see that breakdown. >> Great. I'm I know what you want. We. already know that. We already know that. and we're all very thrilled that you. want to see it and that's what this show. is about. That's why we're going to go. into the finances next. >> Sounds good. >> Okay. What do you. >> I do I do also have an accounting degree. by the way. So. >> Okay. >> I get. >> Why the are you not using it? You end up.

where you end up. >> You end up where you end up. You could. just like in your own finances. You. >> Oh, I am. >> No, you're not. >> I'm aware of the situation. >> You were off by $10,000 of your debt. You didn't know how much was your net. out. No, you're not aware of your. situation. >> 15,000 sounds crazy to me. I don't I. don't see how that is possible. >> Why do you think you're on this show? >> Because I need help. >> A lot of people who need help. You're an. actual interesting case because out was. 15,500 or whatever. Well, let's see what.

it was. >> Gosh, great. [laughter]. Incredible a conversation. Okay. What do. you think your financial score is? 0 to. 10. Zero being the worst, 10 being the. best. >> Well, that's another thing that I find. interesting. Um, I would say based on how you do it. on the show, 2.5. >> Ladies and gentlemen, if you want your. Hammer financial score, get it. Just. answer the questions objectively and not. like a dumb. And you'll get that score. at caleb hammer.com. It's free. Just. takes a few minutes. see where you stand. in the world of money, where you need to.

improve your finances, where you're. already doing well, and what you need to. do to improve. And if you want to. improve and not be like a guest who ends. up on the show, unlike her and the guy. who can't download apps and all this. crazy stuff, just download Dollar Link. is right there in the description. Take. the free trial to see if you like it. And if you do, you can sign up for the. annual version cuz it saves you a lot of. money. And when you do, only for the. next couple months, I will personally. sign my budget friendly cookbook, then. mail it directly to you. After a couple. months, it's gone forever to be found. anywhere else. Dollarwise.app. All those.

links are in the description below. Let's get into these finances of this. 6.5. Apparently, >> there's also some typos in the financial. score. >> Well, that might be true cuz I am. But. >> apparently you're not the only one. >> I know. I'm looking at you. Slight edge. What's going on with this? >> Most of these I've had forever and have. just sat with nothing on them. Um. >> Uhhuh. But that one, >> well, this one has purchases of. $7,5679.92.

>> So, that one kicks off one of the uh. >> Well, guys, we don't purchase anymore. A. part of our plan is we don't purchase. anymore in the cars. >> That one kicks That one kicks off uh one. of the. >> uh kick off the end of this sentence. >> Series of unfortunate events that. happened in 2025. >> That's this year, >> correct? You would just say this year, but okay, I guess. Yeah, Pittsburgh edge. of the rust belt. They got rust in the. water and everyone their brains are.

melting. >> What happened? Series of unfortunate. events. >> There was a number of house related uh. emergencies that happened this year. that have resulted in me having to come. up with this plan. >> This is the part of the conversation. where I'm waiting to hear what happened. to your house. on that is the furnace. and the air conditioning. >> Okay, that happens. You need a furnace, especially air conditioning. When was. this? >> So, it was August that the AC went out.

>> Yeah, that's rough. >> They came We have a home warranty that. we had. >> previous balance transfers in the past. to be very clear. >> Correct. So, that a portion of that is. balance transfer. >> have just been rotating. Um, >> yeah, it's maxed out. >> Correct. >> To the dollar. >> Correct. Oh, for sake. Um, >> hey, how does how long does this take to. pay off if you do minimum payments only. without purchasing anything, which. you're incapable of? >> I think that one's 12. >> Her accounting degree is really paid. off. It's 23.

>> Oh, one of them is 12. I can't remember. Well, >> but it's. that one is 0% till January of 27. >> Uh-huh. Which is Well, is it first of. all, is it being accumulated? >> Cuz there's your balance transfer fee. cuz we had a balance transfer. >> Correct. So $88.33 a fees. So you likely. paid like 10 12 15% on it and this will. kick into like a 30% interest rate. essentially. And yeah, okay, but it's. not accumulating. But that still doesn't. mean that this balance ain't chunky and.

it's about to start acrewing an insane. amount of interest in about 13 months. >> But it won't cuz it's part of the second. round of consolidation. >> Yeah. your master plan that has. absolutely no wiggle room for anything. to go wrong succeeds, which I do not. believe for a single moment that it will. because you do not take account anything. happening in life when literally he just. broke ribs today. Do you not remember. that? >> I do. But. >> today, >> well, is it is it better to just not.

have a plan then? >> That's not what I'm saying. I'm saying. your plan's broken. I'm saying your plan. >> then let's let's figure out if. >> Oh my gosh. Shut the up. That's your. only response. Yes, obviously that is. what we're going to do. You do not have. to announce that every time we're having. this. I'm obviously Oh my gosh, she is. so annoying. I'm just calling out that. it is very clear when you said, "Lady. >> Kayla, >> I have to let you know that you might in. fact be a [ __ ]. >> because because because Hey lady, it is. [laughter] very clear.

[laughter]. What? I wouldn't bring up that your plan is. flawed so that you can hit me with the. well that's like a plan then [laughter]. obviously I'm not hitting you with that. if you don't set up something absolutely. ridiculously moronic for me to say that. Why did I say it? Because I said. interest is going to start immensely in. 13 months. And you said well that's why.

the second round of consolidation's. coming. That's your plan. All right. So, obviously I'm going to call out to YOUR. PLAN, [screaming]. DUMBASS. YOU DON'T HAVE TO SIT HERE AND TELL ME, "WELL, LET'S MAKE A NEW PLAN, THEN. WHEN OBVIOUSLY I'M RESPONDING TO YOU. THINKING your perfect plan's going to. happen BEFORE INTEREST RATE HITS, you. moron.". >> Oh my. YOU NOW KNOW WHY I SAID IT. I. DON'T NEED TO HEAR THE LET'S MAKE A. BETTER ONE THEN. WE KNOW WE'RE.

[screaming] GOING TO DO IT. WE KNOW WHAT. SHOW WE'RE ON. >> OKAY, moving on. >> Oh, great. Yeah, you direct the. conversation. Somebody has to. >> instead of you taking any semblance of. understanding what I am trying to say. when [clears throat]. >> I'm AWARE OF THE PLANET. >> NO, you you don't understand why I. pushed back on it because you said you. essentially deflected the reality of. this balance. You deflected the reality. of this balance by saying your second. round of consolidations are going to. happen in that 13 months. That is not an.

appropriate deflection because it is not. a reality because your plan is flawed. and built for failure. SO YOU CAN'T you. can't have both. You cannot have this is. not a concern because this is going to. happen to the plan and oh I know the. plan's broken unless I have a better. plan. You can't have both at the same. time yet in your perfect mind because. you won't you I think I think you live. life in a way where if there is. especially because you've had no. struggle especially on your grow up. you've had no real struggle. If there's. anything slightly uncomfortable, you.

just accept what is the easiest thing to. latch on to so you don't have to face. any level of discomfort. I think that is how you live your life. [snorts]. and that is why you cope and you. immediately go to whatever response gets. you there whether it is this option or. this option even though they cannot. exist at the same time. So I don't want. to hear it. >> Okay. >> City simplicity card. What is this? So, uh, speaking of my husband.

>> Oh, yeah. >> Um, fell at he fell at work. in April. >> Um, >> I don't want to laugh about someone's. injury, but um, >> uh, turned out to be a broken leg. >> Can I see what this man looks like? He. will not be in the video. I just need to. see this. He He He must be breaking, right? Like pieces of his body must be. falling off. He's about 6'4. 170. So he's tall and.

tall and. >> and not. >> He has to be. There's no way. >> There's a That's a wedding picture. That's a good one. >> What the. >> That's his G. I call that his G. >> How is he? The dude just looks like a. normal ass dude. What is Why is he. falling? Is he drunk every day? >> No. I think he he has a little bit of. vertigo that I don't think he wants to. get seen and get typical man who doesn't. want to go to the doctor. >> Uh if I had vertigo I would be miserable. every day and want to go to the doctor.

>> No. So he fell at work. >> Okay. >> Turned out to be a broken leg. >> because he fell. >> He fell at work and he broke his leg. >> Did he fall off something? >> No, he slipped. He was working in the. deli at a. like a it's like a Sam's Club, but it's. not Sam's Club. >> Um, and it's not a Costco. >> Uh, he slipped and broke his leg, >> so he was out of work and on workers.

comp uh until. uh September. >> Good. And then he just fell and broke. his ribs today. >> Yes. >> Is your credit cards good? Yeah, the. they are. Your family hated it in the. post show. You did reveal that you were. still receiving money from [music] a. client from your stripping days. Are you. still receiving money from him? >> I am a very patient [music] person. My. mom is disabled. I have been taught. patience. >> My family hated it. Should we get into. that? >> I would love for you to just use your.

words and not shut down to the point to. where I do yell. Said that I would pay. for the gun that we bought on your card. >> So, are you safe, Pixie? 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. game. >> 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. How did he. fall today? >> Cat apparently tripped over the cat.

>> How is he breaking things when he falls? >> I don't know. >> I mean, I'm kind of clumsy, but I don't. break [ __ ] Yeah, >> I'm fat. >> You're not really. >> You look less fat in person. >> Please. Yes, everyone says that. But. that is true. >> You are very, but you are still very. handsome. >> I Okay, let's not [laughter] let's not. >> I know you're trying to find a man who. doesn't break things every second of his. life, but. >> I'll stick with the one I got. >> Yeah, the cancer patient. Yeah. >> Um, but anyway.

>> Yeah. So, he was on future cancer. patient. >> He was on workers comp from April. through September. Uh, and before that, we were cons, like. I said, we were consistently using and. paying off credit cards every month. >> until last year. All this only happened. in a year. >> Last year. >> What is wrong with you guys? This is. horrendous. This is a fat stack of. paperwork. >> We'll talk about more things that. happened with the house because that's. kind of led me to. >> Okay, so why? That one was to fill in. the gap for what he wasn't making.

between. >> Why isn't he filling in your gap more so. we can have a kid before 30? Huh? >> You know, [laughter]. but. >> so that one and what gets dangerous and. I'm well aware of it. City has two. different things. They have flex loans. which are low low interest options to go. on the credit card. >> So there was one of that but that's been. paid off. Yeah. >> And then when they offer a balance. transfer, >> oh, this is balance.

>> actually be used as $162. in fees this year. >> So I. >> almost 200 in interest. >> I think there were twi times where I did. a balance transfer, but instead of it. being a balance transfer, it was just a. direct. >> This is why I'm worried about your. consolidations. You are not a solve. person kind of thing. You are a kick the. can down the road thing. And you want to. bring a kid into that conversation where. eventually that can comes to a hold and. you got to go like a payday loan. You. got to get something like horrible cuz. it it it stops at some point. What's. your credit.

>> right now? It's [ __ ]. >> Well, there we go. It will stop sooner. than you believe then. >> And that's why I haven't closed any. credit cards or anything. >> Yeah, but they're all maxed out anyway. It's not like you're benefiting in. anything. Like, you're you're well above. the 33%. Only. >> Well, I hate I know you hate hearing. about the plan, but I haven't closed any. cards. >> But but if you've acknowledged your. plan's broken, then why do I want to. hear about the plan? >> I don't think it's completely broken. [ __ ] sake, girl. You've never. accomplished anything. You've only. kicked the can down the road.

>> I have I have some good accomplishments. in there. No, you'll see. >> And your plan is just to kick it down. even further. So, what are we talking. about? That doesn't make any sense. How. can you Why are you still talking about. this thing? >> And why the are you here if your grand. plan is perfect and all all great? >> Because I need help with the dayto-day. >> budgeting portion. What you Why am I. going to selectively help with your. [ __ ] That's going to lead you to a. worse spot in general. >> Because I feel like I can keep up with. you, but your other guests do [ __ ].

First of all, a lot of people are. successful, but also number two, why do I want to see you fail? I don't. want to see you fail. >> Well, that's nice of you. >> Well, yeah, I'm a but I'm not like evil. >> Some people would probably disagree, but. >> Well, they don't know. They don't know. my wants. They don't know what we're. trying to do. Like I want to see you do. well, but setting you up on a plan that. is a flawed plan that's going to hurt. you, that doesn't make any sense. Why. would I accept that? >> Well, that's why I brought my plan to.

you. >> Well, no [ __ ] I know that, but you keep. bringing it up as a reason why I don't I. shouldn't be worried about this card. >> No, I'm worried about it, too. >> But you bring it up as to get out. You deflect every time we talk about a. debt with Well, the plan. >> Well, that's all that's all I that's all. I have to keep me. >> Exactly. And that's what it is. You. cope. You cope endlessly. You look for. an escape to feel any to get away from. any semblance of being uncomfortable. That is what you do. That is what you've. always done. And that's why you are. where you are now. That's why you kick.

the can down the road cuz that feels. like an accomplishment because it feels. like you've done something instead of. you actually buckling down and taking. care of [ __ ] and having a tough. conversation with Mr. Stinky. >> Well, that's why that's why I have to. have a conversation with him and not you. because. >> cigarette breath. >> He would be out of this room already. >> No. >> Falling. >> Falling. Yes. >> Endlessly. >> Yes. >> Did I mention stinky? >> No. Well, sometimes. >> Yeah. No [ __ ] He smokes a half a pack a. day. Nasty. Stinky. >> Yeah. >> Horrendous. Ew. Get away. Vomit.

>> Handsome. Sweet. Kind. >> Well, not kind enough to change his. behavior for the benefit of the. household. >> Well, hopefully this will open his eyes. a little bit. >> Doubt it. You said he's not going to. watch it cuz he's a little cuck. >> No, he's definitely not going to watch. it. >> Hey, why would this open his eyes a. little? >> Um, >> dude. Dude keeps his eyes closed when. he's walking around all day. That's why. he's breaking [ __ ] Well, if I can come. back with a upgraded plan. >> Why Why would he listen to you though? Because obvious No, no, no, no, no, no, no, no, no, no. Why would he trust you. though? You're a complete failure. >> Look at this. Look at you. No, you're a. failure. Look at this. You're a failure.

based on what you've done now. Listen, you weren't a failure a couple years. ago. But you are now and that's all that. matters. If you were a failure a couple. years ago and you're not today, I don't. care. I don't care. I care about what. you do today. This isn't TikTok drudging. up stuff from years ago. You know that's. not what we're doing. I care about what. you are doing right now and what you. plan to do in the future. This is a dis. disaster. You are a failure. Why would. he trust you? LOOK FOR YOU. WHAT THE. HELL? You can't possib. willing to admit your mistakes. So why. the am I going to have any confidence or.

care in this conversation? Good luck. >> I know I make mistakes. >> You don't. >> But let's figure out let's figure out. how to. >> Hey, look. A max credit card with. Synchrony Bank. >> Oh yeah. So that was the that was the. most recent um series of unfortunate. events. >> Yeah, those endlessly happen which. certainly never happen, right? Which is. why we build a plan where no negative. events will ever happen. >> Well, that's why emergency fund is in. the plan 13 months and it's not it's.

like a twomon emergency fund maybe if. I'm being generous. So off number two, what happened? What was the series of. unfortunate events? That was the younger cat. >> Yeah, having a cat is an unfortunate. event. Just kidding. I love cats. Go on. What? What the happened? >> She has feline infectious peritonitis, which used to be a fatal diagnosis. >> I'm glad that's not. using. They have a medication now that. she's been on and she's doing much.

better, but. uh to get there required several vet. visits. There was. >> Do you have pet insurance? No, but it. would have been covered anyway. >> That Well, uh, it depends on the pet. insurance. I assume. >> the one time I had pet insurance, I got. it through horrible pet insurance. Well, there you go. See, they're they're. probably not setting you up with. anything good. >> No, cuz it didn't cover the vet that we. went to, which is stupid. >> Exly. I I would Listen, a good pet. insurance is likely going to cost at. least 50 bucks a month. It sucks, but it. saves you thousands. Look where we.

happen here. Listen, I'm glad I'm I'm I. am glad that your kid's on medication. now. I need you to get off medication so. your kitty can get some love and you can. pop out a baby. But. you know, I'm glad this one is. >> Yeah, >> I'm glad. I'm glad that the I'm glad. it's okay. >> Yeah. So, she's doing better. I am going. to have to buy more medication. So, >> what is that going to cost? >> Probably another 300. >> What the. >> um. >> Well, it had a previous balance already. of $473. So, there's a bounce on here. before. >> This is the second statement since this.

whole thing started. >> Okay. So that one I just. >> So [clears throat] clearly things. happen. >> Exactly. Exactly. >> So. >> you're broken. Okay. [laughter]. >> You're just You're shocked. >> You're shocked every time. >> No, I'm not shocked. I'm just trying to. figure out how how to get to a point. >> Yeah. No [ __ ] I know what you're trying. to do. But yet this all happens and. you've done nothing. You've done nothing. to change it for the next time it. happens.

>> Nothing. >> I'm here. Yeah, that's that's that's. something I guess. Gold star, walk away. Your life is fixed. Like, [ __ ] up. I. realized that. What are we talking. about? Shut the up. Synchry. 2,000 hours. completely maxed out. $65. How are you. going to pay the few hundred bucks that. happens next? >> So, that one is. >> Oh, no. These are deferred interest. Oh, no. These are deferred interest. Just a. few months from now, one of them's. coming up. >> Correct. And that will be So, that'll be. it's to have it paid off completely. before any interest it hits its 167 a.

month. >> I hope so. I don't know where your extra. money comes from, but okay. Good luck. >> I hope so. It's acrewing at 33%. interest. >> It's not extra. >> Huh? >> It's not extra. I already have it. I. already have it budgeted in as part of. all the bills that come out. >> No. No, you don't. I No, you don't. understand this. This is what is broken. about you. That is impossible. You've. had like 50. Seriously, >> I've done it already. >> Oh my gosh, she's so stupid. [laughter]. I'm sorry. This is why you are going to. fail.

You just tell me you're not surprised. when emergencies pop up, but then you. tell me this is perfectly budgeted. No, it's not. There's going to be an. emergency that happens again and then. you won't be able to pay this off in. time. It always happens. Especially as a. home owner, you're going to have. something that pops up tomorrow. That's. just Hey, listen. Hey, hey, hey, hey, hey, hey, hey, hey, hey, listen. He fell. and broke his ribs. You're about to lose. half your income of the house. You can't. budget this. You can't. This does not. work. This is your brain immediately.

attaches to everything's going to be. fine so that you feel relaxed instead of. facing any uncomfortable truth. >> Well, what good does that do? >> Cuz it allows you to at least change. your behavior to not repeat the endless. mistakes of the past yet you refuse to. do so. Every emergency pops up and. you're like. that'll never happen again. And then it. happens about five times in one year. LISTEN, this is an impossible budget in Oh, >> especially when you spend that much on. [ __ ] So, I don't want to hear it.

I'll let you use the Fizz card. At least. it's the debit card that builds credit. only let you spend money on what's in. your checking account. I'll get you an. order. >> What if I need What if I need to spend. money that I don't have in my checking. account? >> Well, that is what we are trying to. prevent in the future, you dumb tit. >> All right. Well, let's see. >> Number two, I will get you a course. career certification. So hopefully you. can go earn more money, get a raise, get. a better job, get continue promotions in. this career. >> They have like digital marketing. I. think I saw. >> exactly they do. I will get you that for. free. A lot of people in the audience. have used that to improve their income. or get better jobs. So I'll get you one.

of those for free. Okay. >> I'd love for my husband to do that. actually. >> Well, I just don't trust them to be able. to go outside and not die. So, it's just. like I would rather invest in you if I'm. being completely honest. Especially. since he's going to have lung cancer, >> unfortunately. Not cheering for it, but. I'm. >> being realistic here. Dude's going to. have health problems. >> Yeah. >> I mean, some people some people smoke. and they live to like 95 and they're. okay. Yeah. >> But statistically.

issues. City double cash. So, that was. one of the two cards that we were. >> um using on a monthly basis and paying. off every month. So, you'll see. >> Wow. Almost like it's endlessly. repeated. And that's why I stopped. >> Your consolidation's really going to. work in the future. That's why I. stopped. Spends $2,588. on here in one month. What the are we. talking? This was the last month. It's. their last month of statements. Die,

die, die. What the are you talking. about? Congratulations. You did what. every financial audit guest in the. history of the show's done. You changed. things two weeks before coming on the. show. Yeah. Yeah. >> Actually, stopped that before I got the. call. >> If you look at this was a month ago, flies. >> Look at the Look at the interest. Look. at the interest. >> You applied to come on the show though. You applied to come on the show. >> I applied I applied a long time ago too. and didn't get called. So, this was. second go round. $51.77 is your minimum. minimum month a year over the credit.

limit of $1,510.77. >> Look you [ __ ] You. >> look at the. >> look at what do you want? >> Look at the interest. >> I am. >> the year to date interest. >> Well, I see cash advance $22 charged. last month alone. >> Cash advance. >> Huh? >> Cash advance. >> Oh, the accountant doesn't know what's. happening in her accounts. >> Yeah. Interest. >> Okay. So, the year-to- date interest is. zero. Yeah. So, meaning we've used it and paid it.

off every month. >> and now. >> I'm not [laughter] on purpose. On. purpose. >> so that she can pay it off by. consolidating it and rack it up again. >> Use the debit card instead. >> Listen, it's not about that. You're just. going to pay it off. Either the. consolidation or rack it back up. That's. what you're going to do. Come on. >> Well, I'll close it. >> I've only seen this happen on the show. every week four times. I just have to. keep it open long enough to that my. credit stays good enough. >> That's the danger. And that's what. everyone thinks. And then it Okay,

>> there's a lot of orange on there. >> Subscribe to you guys. It's YouTube subscription. Hammer Elite. >> No. >> Yes. >> $5.34. That's not Hammer Elite. >> It's the only one I have. >> Hammer Elite's 10. >> YouTube subs. >> Is he paying Does he have a YouTube. channel? Is he paying for subscribers? >> No, that's the only subscription I think. that I have. >> Well, Hammer Elite is the number one and. best membership on YouTube for a reason. Come join us for three premium shows.

every single day, Monday through Friday, including the post show for this. financial audit. Extra 20 minutes of. every episode. Uh, but yes. Okay. I. mean, we'll see if I see an actual. >> I can look it up. I don't think I have. any other YouTube. >> Well, went inside a gas station, got. some [ __ ] [ __ ] [ __ ]. [ __ ] [ __ ] [ __ ] [ __ ]. [ __ ] It's crazy. Listen, instead of. going and getting some [ __ ] I know. you're not getting energy drinks, but. here, try this gamer subs. Listen, everyone's posted in the comments now. that have been trying it that it's soing. good. Make your energy drinks at home.

for like 35 cents a serving, just like. making your coffee at home. Get your. free samples link in the description. below. Type in code hammer and then get. it off for 10% off as well. Make it. home. >> Is there a carbonated version? >> Uh, yes, there are carbonated cans on. there as well. The the cheap versions of. the powder and there's also a hydration. drink version if you don't want the. energy drink. I'm not a big energy drink. person. The only time I get the. hydration energy drinks is when I'm. drive traveling for work. >> Do the hydration one. >> [ __ ]. >> Parkhurst. >> Tik Tok shop.

>> This just happened. >> Well, I I knew I got a um mini. Well, I. don't know if that was that. That might. have been vitamins. >> Pull up your Tik Tok shop. >> Actually, >> PULL UP YOUR TIK TOK SHOP. >> Do you know what that was? >> No, believe it or not. >> That was the um vitamins that are. >> What? Cash advance was for your solitire. game. that I've stopped. That was a bad. habit. >> Oh my. >> Uh I don't even know how to get to. >> Tik Tok shop. >> Pull up Tik Tok. >> Oh, there we go. Okay, so orders.

>> Hey, just how about I have the phone. >> Okay, >> just like he can't download an app, you. can't connect to Wi-Fi. >> I did connect to Wi-Fi. >> Geniuses. Surrounded by them on a daily. basis. >> Connect to Wi-Fi. I'm old, but I'm not. that old. >> Wi-Fi not connected. >> I did connect. [laughter]. >> It's literally not there. >> I'm old, but I'm not that old. Where's. the screen recording option on your. phone? >> I don't even know how to do that. I do. know. I will admit that. I don't know. how to do that. >> Proud of you. >> I do have Helium. >> Oh, you do have Helium. >> We both do. >> Yeah. A really good way to save money.

Really is. >> I've shared it with a lot of folks. It. works pretty well. And. >> yeah, it's good. Same time as T-Mobile. O positive. >> Yes. So, those are the vitamins that are. good for. >> vaginas. >> Correct. >> Okay. We love vaginas. However, I got. them and then when I was looking up the. ingredients, those ingredients aren't. good to take when you're trying to get. pregnant. >> So, anti vagina, >> it's good for vagina, but it's not good. for.

>> Okay, >> cuz when you're on anti-anxiety. medications, sometimes it doesn't work. as well. Um, I'm sorry. >> Oh, there's a physical spreadsheet. A. dress. She got a dress on Tik Tok. Yeah, you got a dress. What? >> There's some skin care dress. >> I [laughter] don't remember a dress. >> Look at your Amazon over here. >> Yeah, Amazon's not big. >> No, you don't even have the app. downloaded. >> No, I order I have to order some stuff. for work on Amazon. So, >> subscriptions Apple Care, Apple one.

>> I don't even know what. >> preom ovulation tracker. There's good. >> That one's good because. >> premium and screw alert pixel art games. >> That was stupid. That was a one time. >> stupid. That was a game that I was. playing like every day. >> I did also buy a mini chain mini. chainsaw. >> [ __ ] [ __ ] [ __ ] Why? >> To cut down trees in my backyard. >> Amazon. See housing cost. And it's. always going to happen, dude. Mo Grill.

Chat GPT. Parking. Apple. [ __ ]. [ __ ] [ __ ] Panera Bread. [ __ ] [ __ ] Apple. Pizza. [ __ ]. Road shop. [ __ ] [ __ ] Uber. [ __ ] [ __ ] [ __ ] Parking. Uber. Something auto. [ __ ]. [ __ ] Chewy. [ __ ] [ __ ]. [ __ ] [ __ ]. >> Chew. [ __ ]. >> Did I say Chewy or did I say [ __ ]. >> You said Chewy. >> There you go. I didn't say [ __ ]. Burger King. Shake Shack. Shake Shack.

>> Do like Shake Shack. >> Duncan Netflix. [ __ ] [ __ ]. [ __ ] Crack a Barrel. Solitire Cash. Solitire Cash. Solitire Cash. Solitire. Cash. What the [ __ ] were you doing? What. were you doing? >> I forgot that [laughter] was. >> it's just a app where you can. >> you were like spending money on. solitire. >> Also one money, >> huh? >> Sometimes. >> Sometimes. That's how it usually works. >> That app's not on my phone anymore. >> Good. Okay. The Kohl's card. You owe. $1,512.65. Interest is occurring. You spend $870.

even though you put your minimum payment. towards it only. Takes 9 years to pay. off without spending, but you're. incapable of not spending. $44 is your. minimum payment. What the is going on. here? Why are you spending money on a. credit card that is acrewing interest. that you cannot pay off to save your. life? >> So, that one I am nervous about. Uh, mostly. However, >> bro, she literally had to have Colton. put her phone on do not disturb cuz she. didn't know how to do. >> I didn't know how to do it. >> Oh my goodness. You guys are never going. to survive. It's not the budgeting apps. It's you. >> Okay. >> Do not disturb. >> I've never used it before. [laughter].

>> Like, I'm concerned right now, but go. on. Yes. >> So, the Cole's Guard. I've had that one. for a long time. I would only use it. when I was shopping at Kohl's. I don't. even have a physical card for it. Like. they would look it up. They would look. it up with my driver's license when I. was shopping. But anyway, they recently. sent me a virtual card, which is great. So, that's the one I used to put the. flights for this trip on. >> Oh, for sake. >> And I said, "Okay, well, I'm just going. to use it for the flights and the.

hotel." Not just that, cuz I had Kohl's. and bottleneck management and Kohl's and. DJ Vita Salon and Peacock Premium. Who. even the has that? >> A vet hospital. That one's fair. And. then gas, I think. >> Um, so. >> so you flights and No, $84 went to. Southwest. That was it. The most. expensive was the pharmacy of $28125. >> The flights were in the statement before. this. >> Well, there we go. So, I don't really. care about that. I only talked about the. purchases you were doing in this. statement of which doubled your balance.

of which most of it was you [ __ ]. >> Correct. >> So what the are you talking about then? Cope cope deflect to another month. The. month we're not even looking at you. Look at what you did here. >> Yeah. So that's that one. >> and I'm not going to use it anymore. >> Yeah. I don't believe you. >> I don't have an actual card and it. wouldn't even let me put on my. >> It didn't stop you. You literally just. doubled the balance only after making. the minimum payment on a card that is. acrewing interest that you cannot pay.

off to save your life. Oh, I'm not going. to spend on it anymore. No, that's such. a [ __ ] deflection just to try to get. out of your bad behavior that was done. here. And the fact is when you do. [ __ ] deflections in this. conversation, that means you are likely. not to make progress outside of this. room once you actually change once you. actually once you actually leave. >> I think that one's actually a little bit. higher now, too. >> No [ __ ] Who would haveing thought? at a. 30% interest, right? Apple Card, what's. going on? >> That was the second of the two cards. that we were using and paying off every.

month on a regular basis. >> I tell we didn't because we can. Takes 3. years to pay off minimum 6683. >> There's no purchases. >> with a minimum payment $25. >> The number one YouTube membership just. got upgraded. And for this month only, you can join for free. See exclusive [music] shows every day, Monday through Saturday. Financial audit. post shows, exclusive [music] and. uncensored financial audit episodes. >> Obviously, your your time 100%.

>> But. >> including fan [music] favorites, audit. update. >> I'm seeing a therapist now. >> Wait, I'm assuming you're romantically. or both. >> Audit breakdown. [music]. >> And we still don't with people like. that. Like he is in next level. >> And hammer it out. [screaming]. Put discipline into your budget. That's. [music] 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 purchase at hammerite.com and. we'll reimburse you for your first month. with a [music] $10 digital gift card. that can be spent anywhere in most. 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. >> 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 [music] money is going every. single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollarise. today, you'll get a try for free, plus 3. months for just $9.99. So you can.

finally take control and see what your. money's been doing behind your back. Click below to get started. >> There was no purchases, says the lady. with a [ __ ] ton of purchases. >> So that was the last month that there. was purchases. >> Oh my. got a new statement today. You're. just You don't know anything that is. going on. >> [ __ ]. >> I know all the balances and all the. rates. >> [ __ ] [ __ ] Taco Bell. [ __ ]. [ __ ] What's this? Parkhurst. >> Parkhurst is the cafeteria AT WORK. [screaming]. >> It's actually You get a lot of food for.

decent price. >> $744. Packing. Packing a lunch is. cheaper. Still Hey, you tit your little. tit. Packing is cheaper. Okay. >> Okay. >> You're stepping stepping in the game. [ __ ] every second of your life. >> I'm not. >> Well, you can't control husband or he. doesn't give a [ __ ] It's one or the. other. I don't know. >> Okay. >> I love you. >> I don't know. >> So, that is an old medical bill from um.

another injury. >> What? >> Uh his elbow. >> And you think nothing's going to happen? Oh, you are. Oh, how do how do he hurt. his little elbow? >> Fell down the basement stairs. [laughter]. >> What? How? >> Stripped. The stairs are the stairs are. wood and a little I think. >> my stairs are wood. >> Yeah, [sighs]. >> guys. If your stairs are wood,

>> you'll tr What? What is wrong with this. man? Stinky, smelly, nasty. I don't think you're sinky. Smell nasty. >> What is wrong with him? Seriously, how what is his What is his. like median rate of getting hurt on a. yearly basis? Every 3 months, every two. months, every one month? I don't even. know. >> Yeah. So, that one it's weird cuz it's. SCSI. It's state collection services, but it's not a. >> Yeah. Really get away from that. conversation. How often does he hurt.

himself? >> Enough. Um, >> no. How often? I don't know. Semi often. >> Once every month, two months, three. months. Come on. We have to at least be. once a quarter at this point. >> Yeah, probably. >> That's [ __ ] crazy. You know that's. crazy. That's crazy. Dude, dude, what. the. >> Are you sure you're trying? Are you. trying to collect life insurance here. that we do not know? >> He does have a policy. >> It's not a denial, which is concerning.

>> $650. So, so your payment is 50, huh? >> Yes. >> Okay. And it's so it's state collection. services. >> HN. >> Alagany network. Alagany Health Network. That's another medical bill. >> for what? >> Um some previous broken ribs. >> He broke ribs before doing what? >> Uh I fell in the kitchen. [laughter]. >> What's wrong with this man? I've never.

heard of anyone like this. Unless. they're like. like spazzing or epileptic or just like. how did he fall in the kitchen? >> Uh got dizzy and. >> well he needs to go see the doctor. >> Yes, he does. >> Hey, Stinky, go see the doctor. >> Can we call him something else? >> Yeah, go see [laughter] doctors. >> It means what he's doing right now. He's. just sitting in his little cut corner at. home while you sit here and actually try. to get [ __ ] done. He's watching you with.

another man. >> Oh, he won't like that one. >> And he'll do nothing about it cuz if he. tries to walk towards me, he will break. the other parts of his ribs. [laughter]. >> That's why he's not here. >> I love you. >> Okay. So, $289 is owed. Is there a. monthly payment? >> Payment of what? >> Yeah. >> Oh, wait. 289. >> and then there's another 132. >> Yeah, that one's done. That one's. >> Okay. Okay. But what's the payment for. the 289? >> 49. Hey, these minimum payments are.

stacking. Yeah, we allowed ourselves. that [ __ ] Good luck. >> Uh, >> what is VCA? Animal services. >> That's the vet, but that was on that's. on the care credit. So, that we don't. need that one. >> Okay. Upgrade. >> Okay. Yeah. [screaming]. >> $24,000. and 29.49% interest rate. >> Well, so this. did you do, lady? This is the kickoff to. the the um series of unfortunate events.

>> Never happened in your lives. >> Correct. >> So what happened then? >> That is uh the majority of the roof. replacement. >> Why? >> From April. >> Why? >> Why? >> Why? >> Cuz we needed a new roof. >> Yeah. What happened? You. >> It was leaking. >> Okay. So there was no incident that you. could claim insurance on? >> No. So. that one. is deferred. >> But you said you felt rushed into it. I.

have a note. >> Yeah. >> Why? What do you mean? >> So. it's one of those scenarios where the. sales guy comes into your house. >> Hold on. You. >> Well, we made the appointment. It's not. like we didn't make the appointment. >> The sales guy comes in, they give you a. here's what you should do. >> Yeah. No [ __ ] Here's the money you. should give me. cost if you if you sign. up right now, here's what this is going. to cost you. And I I was very adamant. I. was like, you know what? We're not doing. this right now. >> Yes. Your adam is really paid off.

>> Yeah. So, the only reason we were able. to do it, the only way we were able to. do it was to do the 0% no payments until. May of 2027. [laughter]. >> What's your minimum? >> No, there isn't a it's zero payment. So. we have. >> and then you're so. >> so that. >> what is this? >> So service.

>> Yep. >> So an extra 5,000 for the roof. >> Correct. >> So when we first signed up, they said, you know, this is the cost that we're. expecting, but once we take the old. shingles and everything off, we may need. to if the the wood isn't good, >> then it might be a little bit more. >> Oh, they were hoping. So that's what. that was because we couldn't get any. more on the upgrade. >> So you owe 5,100 on this. >> correct and that one. >> what's the payment. >> that one zero. So that one's also zero. payment deferred interest and that one's. still.

>> deferring everything. >> So that one's till August. So that's. part that's part of the July. consolidation. >> of your plan that you said you should. make a better. >> got to start somewhere. Assuming you're. assum hey hey hey hey hey hey hey hey. tit you're assuming you're able to get a. balance big enough to consolidate these. really chunky balances and your credit. is horrendously disgusting. >> It'll get better by July. [laughter]. >> Not on your. >> My husband's credit's really good. Well, and these are on my husband's credit. >> Yeah. And what's his uh uh uh what's his.

income going to show when he applies for. a $40,000 consolidation? >> Well, hopefully this job will continue. >> We're going on hope. Oh, buddy. You. >> youked it. >> Well, let's un it. >> Well, I don't know if I can. This is juicy. This is juicy. We'll see. It might be a bankruptcy if anything. >> No, I'd sell my house before that. happened. We have enough money. We make enough.

money. >> We'll see if he has his job. You dumb. >> Okay. What's the synchrony? Rotorooer. home design. >> So that was another thing that happened. to the house. >> commercials. >> So after the roof was done early August, uh the shower assembly in one of our. bathrooms failed and water was leaking. down into our kitchen ceiling. >> Bro, what the are you doing? So, um insurance covered the.

um like remediation where they go in and. cut the hole and they do the, you know, antibacterial and have the fans and all. that stuff, but they didn't cover the. actual plumbing fixture replacement. portion of it. So, that's what that is. for. >> This is going to be endless. It's going. to be endless. This is never going to. stop and you're going to be soing. >> So, that one's. >> deferred interest is horrendous. Minimum. payment 50 bucks. You owe 1,900. Deferred interest ends. Yeah. In about. 13 months. This is This is just good.

Good. I. >> That one's 122 a month to pay it off. before the. >> Which I hope you do, but I don't know. We need to see what the [ __ ] this even. looks like with again. What What are we. doing? What? You owe this $5,000 to your. parents? >> Yes. >> Yeah. Remember when I said you're a. failure? >> A portion of it went on that the very. first card we looked at the slate edge. and then they paid for the rest of it. >> Why? >> Why did they pay for it? Yeah, asked their 40-year-old. independent child. >> because they always told me if.

>> spoiled. >> I need anything spoiled. >> that they can help me. >> Not only that, but you've never learned. your lessons and this is why you're here. is because you have never had to change. your behavior once in your life. Cuz. mommy and daddy were always there to. bail their precious one singular. daughter out. >> It's valid. >> Yeah, it's valid and it's true and it's. horrible and they need to stop. I'm not saying parents get help. I'm not. saying they shouldn't. But what is clear. is forever is you have never felt the.

need to change your behavior because. they will always be there. That's as clear as life. As clear as it gets. Oh my. Okay. So. personal loan for what? >> That's probably just been a rolling. balance. A rolling. >> what? At 16.57% interest rate. Well, as everyone says, it's better than. the rates on the credit cards. So, that's just been that's just one of. those kicking the can things that's just. been a m balance that's been moving.

around. >> This is ridiculous. You owe $17,56.50. The minimum payment of $477.68. What is the minimum payments to your. parents, by the way? >> 100 a month. >> Sick. Okay. The interest rate on this is. horrendous. You're just letting this sit. here while you're consolidating and. pushing things down the road. It's just. like cook like this is filling up my. entire notebook. And you think this is. going to be survous with some. consolidations and you're not going to. build it up again without changing your. behavior because you never had to cuz. your brands are there. >> Well, I don't have a choice. I don't. have a choice at this point.

>> That one's part of the July. >> consolidation. If it all works and. you're able to get it and your income's. not cut in half and you don't get laid. off in this bad job market, who knows? >> That won't happen. >> You're That's not how that works. >> My company has not laid off one person. in 170 years. Well, we'll see what they. call it when they do it. You know, like good the luck, banks have. closed. I don't know if you've heard. this in the past couple years.

>> Not the type of bank that I work for. >> Uh, we'll see. We'll see. You never know. [laughter]. Sure they don't lay off cuz then they. have to give severance. [clears throat]. >> What is loan number two? >> All right. So, I don't know why that. one's on top, but I have two 401k loans. >> Yeah, clearly you consolidating things. is obviously what fixed everything and. it's worked before. Why? >> So, the. >> Okay, so you owe on this one $15,40 and. the other one $8,540. When did you do.

this and why? It's at a 10% interest. rate. You. >> Yeah, but it's me paying myself back. >> kind of to a certain point. If you lose. your job or you quit, you owe it like. that. >> No, that's not true. >> Is it not? >> Nope. >> Go ahead and tell me. So you whatever. balance is left. >> converts to a withdrawal. So you have to. pay taxes on it. >> So it's a tax bill but it's not paying. the amount back. >> It is via your money that you have. >> It's not the whole amount of percentage. It is still the same thing. That is what.

I obviously meant. You dumb. >> Well then say that. >> it is still having it's not a bill that. I'm going to have to pay. It. >> is a bill that you are paying it via. your money that is in there and you're. going to have to pay taxes and early. withdraw. Oh, you idiot. And it's obviously since. this 401k is not like a IRA, you have to. pay taxes based on your income bracket, but you still have early withdrawal. >> Yes. >> Oh my. So, you're paying so you have 10%. interest on it. Then you'll pay another. 10% via the penalty. Then another what. 15% on the taxes. So, it's like you you.

have like a 35% loan. >> if you lose or leave your job, >> which I'm not planning on. >> Which we're not planning on because no. one's ever planned for any emergency. ever, by the way, is how that works. I'm. not planning on me uh losing an arm at. some point, but it could happen. >> So, that one was a failed consolidation. attempt as well. The second one, the. first one, which is the. >> You can take advantage of more growth in. the market, too. >> Was uh for a portion of the down had a. nice little rebound, but I guess you. don't get to enjoy that. >> Okay. What's this?

>> So, this is one I've never seen show. before. >> Great. >> First, >> yes, it does look like it was written. from an 1800 typewriter. That is a loan. on one of my insurance policies. >> Okay. What kind of insurance policy do. you have? >> So, I have two $15,000 insurance. policies that my parents purchased for. me that when I got married. >> Whole life? >> I don't know. >> Typically, when do you see people. borrowing against that? That's you. You. like to see whole life for that. But. >> yeah. So, >> I mean, it's horrendous. It's a 7% loan.

>> Yeah. But that's me paying it back to. policy. >> I know. But that means. >> so that just means if that's not paid. off by the time I kick the bucket, it. just. >> you're just setting yourself up for. risk, dude. You're just you just you're. okay with every debt and you cope and. you're okay with it. >> Well, if you have it, >> but this actually has to this like this. doesn't this doesn't come out of your. prepay like to your 401k that comes out. of your paycheck that is hitting. >> Yeah, it's. >> this is actually money you owe. >> It's $15 a month in addition to my. regular insurance payment. >> Okay. So, I'll put it at 15 then.

>> But that's included [clears throat] in. the amount that I pay for my insurance. >> Oh, it is whole life. Yep. That makes. sense. That's why you're doing it. >> Cuz I have two. >> What do you owe completely. >> on that one? >> I life insuranceances. >> Oh, 20 whatever that says. >> 25,000. Okay. That's. >> No. 2500. >> Oh, 2500. The house. >> Yes. >> Good rate. >> Yes. >> Cheap house. Midwest rust belt. We love. it. We bought our house in summer of. 2019 before everything went to [ __ ] Um,

>> surprised you didn't refinance at a. lower rate, but okay. >> At lower than 3625. >> Yeah. >> Well, probably wouldn't be able to do. that right now anyway. >> No, not right now. >> No, but I mean even. >> $175,450. is the minimum payment of $1,481.84. Still a good rate though. It's fine. But. it could have been in the 2%. Then. again, don't really want to refinance. unless you save at least a couple. percentage points. So, >> and it's nice cuz our house is now worth. probably at least $100,000 more than we. bought it for. >> Okay. Well, might be your exit plan.

>> You're not going to like that. >> Well, what is this? >> So, >> what did you do? Did you took a line of. credit against your house? >> Yes. >> So, it's not worth an extra 100,000 that. you. >> house is worth. We just don't have as. much equity in it. >> Yeah. Your equity is practically nothing. now. Again, probably. >> our house, we bought our house for 2075. It's probably worth 300,000 now. >> And you owe total across the board about. >> 260 something. >> Yeah. About 270. >> About 270. So after selling after paying.

6% after you're break even at best. And. that's not even true cuz you got money. you owe on a new roof, got money you owe. on new systems that are on the houses. that you're not picking up and taking. with you. So no, you've lost money so. far. You have negative in general add it. all together on this house than you. would get for it. Of. >> course, you can still pay on those other. debts when you don't own the house, but. not on this one. Not on your mortgage, and you'll probably just break even. So, no. You say in worst case emergency, I'll just sell my house and use it to. pay off the debt. You wouldn't walk away.

with anything. >> No, not necessarily use it to pay off. the debt. >> Well, you wouldn't walk away with. anything and your rent would probably be. the same amount anyway. Well, I mean, now that we have this at an 8.24%. interest rate of insanity and with an. extra $69,560. payment added to your life. So, do you. want to know what that paid? >> Sure. Yeah. I gave it to me. >> So, when COVID hit, we were able to take a one-year. forbearance on our mortgage. >> Uh-huh. >> So, we didn't pay our mortgage for a.

year. >> Did you need to? >> Yes. >> Okay. >> Um because my husband wasn't getting as. many hours at work. >> Is he now broken? Okay, whatever. So, a couple years later in 2022, there were some other things that we. wanted to pay off. >> Oh, great. Again, showing that your. consolidation is really successful and. it's worked every single time. >> When we did that forbearance, the amount. that we didn't pay was added as a second.

lean onto our house. >> Uh-huh. Okay. >> So, we paid that off. >> Okay. That's all your debt, right? >> I think so. >> Okay. It only filled up my entire. notebook. >> I think that's so stupid. It. >> balance prior to statement started at 42. cents and the second account ended at. 5045. >> Then why did I see so much [ __ ]. being spent on those credit cards? [ __ ]. was zoning out 50 bucks. >> That was to my mom. >> Another YouTube four bucks. >> That was a movie. I think.

>> it's horrendous. And then yeah, money. back and forth. Okay. $249 on this one. Started with 15. Solitaire. Solitaire. >> Yeah. >> Chipotle. [ __ ] [ __ ] [ __ ]. [ __ ] [ __ ] [ __ ] [ __ ]. Borrow of something. [ __ ] [ __ ]. [ __ ] Why are we allowing this? This. is unacceptable and disgusting and. horrendous and stupid. Tik Tok shop. again. 50 bucks. [ __ ]. >> Hot mart. >> Hot mart. >> Coffee. Chipotle. [ __ ] Auto. something. Dunkin Donuts. [ __ ]. [ __ ] Giant Eagle. [ __ ].

[ __ ] Dunkin. [ __ ] [ __ ]. >> Well, he probably went and got some. [ __ ] by this trend. Auto something. again, but it looks like just [ __ ]. honestly at the price. Zelling out 50. bucks. >> Apple bill. [ __ ] [ __ ] Cafe. Young's house. Get Go. [ __ ]. [ __ ] [ __ ] [ __ ] Jirro. Cafe. Duncan. [ __ ] [ __ ]. [ __ ] This is insane. All to have a. few bucks in our checking account. So. stupid. Stupid. Why would you even allow.

that? What a joke. Okay. So, yeah, 401k. 88 is nice for your age. >> It's probably income. >> It's at almost 99 now. >> Yeah. But you owe against it of what? How much again? >> Uh 15 total, I think. >> And that's actually budget. >> So, I was doing 6% to my 401k cuz they. do they match the first 3% and then they. do half of the next 3%. But I just.

recently switched it down to just the 3%. to try to. >> put towards the plan that you got. >> That might be good. It might be bad. I. don't know cuz it's still 50% return on. your money. But let's see if you have. the wiggle room. >> cuz he doesn't have a 401k at all. >> Well, he doesn't have anything and. likely a job soon. Okay. Not including your mortgage. Your. total debt payments are $1,78511. Your mortgage is $1,481.84. All utilities combined, gas, electric,

trash, blah blah blah blah blah. Internet, how much? >> 600. >> 600. Okay. Phone bill, helium, which. >> helium. We're both on helium. Uh, both. of us together is like 55 cuz I have the. upgraded plan. >> You got the upgraded. That's good. Gas. from from drive. Both of you together. >> 250. >> It's cheap. Car insuranceances. um car, life insurance, um personal articles, and home warranty is um 300.

>> Okay, 300. And that's outside of the. whole life we already looked at. >> That includes that 15. >> Okay, I'm going to minus that. Uh what. was the whole life? >> $15. >> Yeah, minus the 15 cuz I put that in. your debt. So 285 groceries, we could do. 600. Follow the meal plan and the debt. class. Follow the cookbook and download. the dollar wise app. You get it for free. forever. All of it. TP fund. Anything. else you need to survive? Should be. about 200 for this house. Include that. from him going to the damn doctor.

Medical healthcare co-pays stuff on a. monthly basis. You're probably in. therapy. You look like it. No. >> Probably should be, but I'm not. Um, no. Nothing on a regular basis. Medications. covered. >> Subscriptions. I'll try. >> I don't even really Well, I guess I have. those ones. I don't even know what Apple. one is, but I have it. >> Pet insurance. Let's do 50. Is there. only one pet? >> Two. >> [ __ ] Let's do 100. Anything else that needs to be in the. budget that I have not put in yet? >> I don't think so. >> Yeah. I mean, we should have wiggle room.

here as long as he has his job. >> That's what I mean. I know we have. enough money to. >> If he has his job, that is the big. thing. The dude's in and out of jobs. left and right and in and out of. literally falling and breaking his body. left and right. certainly don't have. enough for the spinning you're doing. because you barely make it. You're. making it by less than $1,000. You need. $5,385.95. to survive on a minimum monthly basis. And so you got an extra $8635. That's why he has a job. If he doesn't, you guys are broken. This plan falls.

apart in every way whatsoever. I. wouldn't consolidate unless you can. change you show that you change your. behavior and follow this budget, which. includes him, not just you. Because. there's no point of doing this if you. fix it and then he doesn't because. you'll still rack up the debt again. all. a lot of the consolidations if if one. you actually get approved for them and. two you change your behavior for at. least a few months. >> I'll happily show you my spreadsheet. I'm very proud of it very. >> with this 863. I mean it still takes 203 months to pay. off even with that which is 16 years. So. yeah, I'm okay with the consolidation. but only if you prove you change.

behavior for at least 2 to 3 months. including him. So he needs to have a. hard conversation. Your job from here is. to certainly follow the budget and for. him to keep his job, but more than. anything is to have a conversation, be. on the same page. If you guys aren't on. the same page about your budget spending. and everything like that, I didn't put a. cigarette fund in here and that shit's. expensive. Then there is no point of us. having this conversation. No point of. you trying to do anything cuz he will. hold you back forever. >> And that includes if he changes and you. don't cuz then you'll hold him back. >> I don't want to put it all on him. >> Betting in a budget of which you. probably did incorrectly on your score. online cuz you don't know is zero out of.

10. debt. There is collections which I. don't think you reported correctly. Zero. out of 10. >> What? [snorts]. >> That collections doesn't come up as a. collections on either of our credit. >> But it is there. You tit. >> Okay. >> It's there. You said it's there. You're. paying on it. >> Yeah, but it's not on our credit. >> Just [laughter] off emergency fund. I. didn't see anything. 0 out of 10. Retirement. This is the one thing. It's. okay, but you do have a debt against it. What do you got? So, it's like $75,000.

[music] Um, still it's your income where. you're making what? 65 a year. >> 65 a year. >> 65 a year. That should be about 120 300. in two years and you're a 75. So you're. about a 6 out of 10 there. Real estate. Yeah. With what you've done with the. equity position and you know all the. things you've put into it and you're not. going to you wouldn't walk away with a. profit. That's for sure. Um it's it's. it's it's a five out of 10 maybe. Okay. Right. That's the only thing going for. it. So, if you actually answered the. quiz correctly,

what you would probably get is a 2.5 out. of 10. >> Exactly what I said, though. >> Get yours at caleb.com. for free. Now, join us in the post show. An extra 20 minutes of this in every. single episode and three premium shows. posted every single day by clicking that. join button and joining Hammer Elite. I'll see you guys there. You wanted to. admit something to us that you were. doing behind corporate's back. I do have. a corporate credit card for corporate. expenses, but sometimes I've had to use. it for other things.

>> Had to other things. What. >> spending? >> And they don't know about this. >> 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.