It Finally Happened.. | Financial Audit

You've affirmed Door Dash Chick-fil-A. >> It was like $40. >> Oh, we're not affirming Door Dash. >> Why the would I pay $4 in one payment? I. could split it into four. >> We knew it woulding happen in this show. here at Are you kidding me? >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. And for the rest of the month, I. am paying for you to sign up. Sign up.

for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammer elite.com. After. that, I'll send you a $10 digital gift. card that can be spent basically. anywhere and in most countries. This is. the best membership you'll ever join. That's a promise. >> Hi, my name is Lucia. I'm 22 and I'm. from Houston, Texas. And this is the. financial audit. >> Well, thanks for coming over to Austin. I'm happy to have you on the show. What. do you do in Houston for a living? >> Uh, I am a client service coordinator.

for um a specific bank or I can't say. the bank name. >> Very vague, but okay. That's okay. That's okay. What are you making? >> I make about 40,000 a year. >> Okay. Houston. ain't cheap. It ain't the most. expensive, but 40,000 is going to be. hard. How you doing? How you doing in. Houston? >> It's a little rough. You know, I could. get paid more. Honestly, >> you if you could, why aren't you? >> I think that I deserve to be paid more,

but they don't really. They only give me a dollar. >> every year. You know, like hourly. They. They just give me a dollar more every. year. >> They hate you. >> Well, it's not that they hate me. They. really do. They do like me. >> What did you eat for breakfast this. morning? >> Watermelon. >> Who did you almost send it to? >> My coworker. >> And why? >> Because I was thinking of him. And what. race is he? >> I don't think that matters. >> What do you mean by that? >> So, they're paying you $40,000 a year. because they hate you. >> Okay.

>> Right. >> Yeah. >> Understood. So, but living in Houston, you feel like you should make more. Okay. How are you actually living in Houston? How's life? What is going on? >> Um, well, I live with my parents. I was. living on my own. Um, but recently. >> Did you move back in? >> I did move back in with them because it. would have been more financially. >> Well, yeah. If you're going to stay at. 40,000 hours a year in Houston, Texas,

it certainly would. So, I assume you're. from Houston. Did you go to college? What did you do? >> Uh, I did go to Lonear, but um I haven't. >> That's a beer. I don't know. Lonear is a. beer. >> No, like Lonear College UN or like the. you know, >> Lonear College University. I'm not. familiar. Is it a community college? Is it a. college? >> I guess it is kind of a community. college. >> What did you graduate with? >> I did not graduate. >> You did not. Did you drop out? >> I haven't dropped out. I just haven't.

reenrolled for the fall semester yet. >> What are you studying? >> Business administration. >> Okay. And that can be a good You can get. into a lot of different career fields. I. like that. However, most people are. usually graduating 22 years old. you. >> how much school you got left? >> Um, a lot. I've only done maybe about. one year's worth of courses. >> How long have you been going? >> So, I started around maybe 2022.

>> Great. >> And I did go to that. >> Great. And then you move them back with. I feel like we're going we're doing life. reverse. I feel like we're doing reverse. life. Start school 3 years ago, only have. completed one year's worth of school, moved out, lived independently, moving. back home. What What is going on in your life? >> Um, >> what the is happening? >> I made some purchases and so. >> everyone makes purchases. That's okay. Well, >> that's what's going on in your life is. you've made some purchases. >> I'm just a girl,

>> you know. Some purchases like. >> someone get the AR-15. Don't make me. Don't Don'ting just ruin me. Don't ruin. me. Less than what are we four four. minutes into this conversation. Don't. ruin me. It's not cute. It's not funny. Don't ruin me. If you're actually girl. braining this, girl mathing this. Moronicking this, if we're being honest, I mean, that's all that really is. It's. not cutesy. It's not funny. It's not. silly. It's moronic. You're making.

40,000 hours a year. You've completed. one year of school within 3 years of. going to school. And you're moving back. in after you were already independent. I. went to cosmetology school also. >> That basically leads to nothing. >> Yeah, I didn't I didn't complete that. either. >> That's not even a long program. >> Well, you're laughing about that. You. think it's funny that you did not learn. anything. >> It's cosmetology. >> They weren't showing me anything. Like. everything was like selfically. >> Well, you didn't complete it. >> Well, they sucked. Why would I complete.

it if they suck? >> Okay, they're telling me you literally. didn't go. I did go to school. It's not. my fault that they suck at teaching and. I didn't want to be taught by people. that suck at teaching. >> What? Okay. What did they suck at. teaching? Go on. >> Hair. I don't know. >> Cut. Okay. Hair. >> Yeah. Yeah. >> They suck at teaching hair. >> Like cutting the hair. Like I could get. the dye in the hair process. That's. pretty easy, you know. Um, but like the.

complexity of cutting the hair and. learning all about that, like they just. made you do like self teach basically. Why would I pay a lot of money to. basically teach myself how to do that? So, I just I I dropped out. What are you What are your goals in. life? This makes no sense. I don't. understand what's going on. You look. likeing Hispanic Mitch McConnell. I like. I'm so confused on your entire.

existence. What are you trying to do in life? >> Uh. I don't know. Just. I don't know. >> Do you have anything for me? What the. are we talking about, lady? You're. drowning in debt. That you that's a. qualification for coming on this show. Okay. $45,000 a year you and you're. moving back in. You're going reverse. We're doing life reverse. You started at. the midpoint of the life board game and. you decided to turn the car around.

>> I don't think I'm doing that bad, honestly. >> Oh, go on. Go on and tell me. >> I feel like other people are doing worse. than I am. You know, I feel like I'm. doing relatively. >> You're right. There is someone smoking. somewhere on the streets of Austin. Sure. That means what you're doing is. okay. That means you going in reverse is okay. Explain that. Explain that to me. That. doesn't make any sense. >> Is the reverse in the room with this? How am I going in reverse? >> Have I not explained it two times? Are.

you sure the teachers were bad or you're. just a dumb confused? >> The teachers? >> I don't think so. Lady, do you not. understand? I've explained it twice. Do. you get it? I've explained it twice. >> Maybe you should explain it a third. >> One year of school. in 3 years. Moved out, was independent, had to move back in. You're going in reverse. You've tried like 50 school options. anyway. Your life's a joke. I don't I.

don't understand. What's even your view. on money? How what are you even just. like what's your perspective? Cuz. $45,000 of debt with nothing going in. life at 22. What the are you even. thinking? >> Um well, money comes back every two. weeks, you know, like as long as I'm. employed. She's [ __ ]. >> Guys, chat. She's Oh my gosh. What do you mean? Yeah, it comes back every two weeks. That's called your paycheck.

>> Exactly. If I was paid weekly, then it. would come back every week. >> Yeah. And if you're fired, it comes back. never. >> Well, I just got to make sure I don't. get fired. >> You're sending your black coworker. watermelon pictures in the morning, >> the day before Junth. If I get fired, I. could just get unemployment. >> Well, dep How long have you been in this. job? >> Two years. >> Okay. Yeah, sure. But it wouldn't be so. like great. >> And also, you wouldn't be on it forever. >> It'll get me by.

>> It'll get you by for a little bit. I. mean, you live with your parents because. you're a literal child. >> I don't think so. >> That. >> Are you just going to like descent? >> I go to work. I go to work every day. I. pay my bills. You make $40,000. You. weren't paying your bills. That's why. you had to move back in with your. family. >> I was paying my bills, >> but you couldn't afford them. Why did. you move back in? Why'd you move back in. then? Huh? >> To save money. >> Because you couldn't afford it. >> Because I wanted money. >> Well, I wanted to have more money. Then, you know, if I when I pay rent, I have.

less money available. And so, moving. back in with my parents, you know, I. have money. What are we trying to do? >> What the are we trying to do? What if. >> you have no plan? You have no desire. Why the are you here? Why am I talking. to you? >> Uh, she doesn't evening know what the is. happening. What are you. >> a girl?

>> Shut the up barely. You have a you have a super villain. laugh. >> Is that a good thing or a bad thing? >> No, it's not a very attractive quality. I'll be honest. Not to you at least. >> Or not to the customers that you're. serving on the phone. Another reason to. get. >> I don't know about that. I think they. like me pretty well. >> They're on the phone with you. You have. no idea. They just want to get off as. quick as possible. >> I don't want to be on the phone with. them either, but I still am. >> Hear that? Head of the bank. Okay. So, you're moving back in. No goal.

or objective for moving back in. no. reason to actually save money or how'd. you get into $45,000 of debt in 4 years? >> Um, making some purchases, you know. >> Sure. >> I wanted lab boooos. I wanted an iPad. I. wanted furniture for my apartment. >> The did you call me? What is a boo boo? >> A lab boou. >> La boooo. >> Lab boo. >> The boo boo.

>> Lab boooo. >> No, la boooo. But that means the boooo. What does boooo mean? Right. What is a. lab boooo? >> It's a. >> You don't even know what a Lab Boooo is. and you're buying a Laboo keychain from. Popart. >> I know what a keychain is. I don't know. what Popart. the Are you doing? >> Showing you. >> Look at my son. Look at my son. >> What the. Oh, you are an obnoxious creature. >> Isn't he so adorable? Look at him. He.

sits on my purse. He comes to work with. me. Um He works to pay himself off. >> Your co-workers must hate you. >> You hate you. I mean, you're basically. getting paid. >> I'm the labu plug at work. People come. to me and they ask me to get them. boooos. >> Nobody respects you. Nobody respects. you. You're not respected. Get the get. that the off the that desk. I am not. This is not a sponsor. Get it off. >> I think you like him. You should get. >> I don't I don't I don't understand the.

point. Let me see. Let me see it. >> I don't care about it. You applied for a. job here. >> Yeah. Got to take advantage of every. opportunity available. >> It is not an opportunity that you'll. even come close to sniffing. What job. did you even apply for? >> I don't know. Honestly, I don't. remember. It was a while ago. It was a. while ago. I don't remember. How am I. supposed to. >> Why are you doing this? >> I've creature are you? >> I'm a girl, not a creature.

>> Are you sure about that? These people. actually exist. This is like Tik Tok. spawned in front of me. Why? Why? Why do we allow this as a. society? Why are we not putting you in. some kind of institution? What is. happening? I'm so confused. I don't even. understand. You did not get into 45,000. hours of lab boooo debt. That is I I. refuse to believe that. How much did. that cost? >> Well, it wasn't all labu debt. I mean, like. >> Yes. And that's like a tiny portion of. it, you know, but I bought like other.

stuff. How much did that thing cost? >> It wasn't that much. It was. >> It was only $30.99. >> That was $31. >> Hell yeah. You know, that's actually. relatively cheaper compared to like. resellers sell them for like $60, $70. So, you know what? I It's a fad. It's a. fad to try to get. It's like I saved. money there. >> What is it? It's the new Yeti. Not Yeti. What was the things that white girls. had? >> The Stanley. >> Stanley. It's the new Stanley.

>> Okay. No answer. Gotcha. So, you. bought,452.08. lab boooos. >> No, >> I'm so confused. What the. >> got you into $45,000 debt. That was my. question. >> Okay. Well, one of them would be my car. >> Okay. A car is an answer. Thank you. What do you have? >> I have a 2025 Honda HRV. >> 2025. $40,000 and you're getting a brand. new car.

Hell yeah. >> I was I was getting myself out of a. really bad situation. So I had I hadist. I had a 2013 Volkswagen Beetle. >> What is your intent here? I want to know. your intent here. So I'm not going to. waste my time with you turtle looking. mother. I am not like what are we doing? What is your intent? >> That car was a good purchase. It saved. me. It saved me honestly. >> Answer my question. >> I was in a bad spot. >> Answer my question. What is your. intention here?

>> Um, better budgeting, I guess. >> Better budgeting. What have you done to. try budgeting? >> I got a new car. The interest rate saved. me. Okay, my Beetle interest rate was. 24.9%. And this car only has a 4.9% interest. rate. So, you know what? I think I did a. good job. >> What's your minimum monthly payment on. the car? >> $599. >> And what hits your account on a monthly. basis? >> My what?

What hits your account on a monthly. basis? >> My paycheck. >> Yes. Yes. >> I get two paychecks. So, it's not. monthly, it's bi-weekly, you know. >> But what hits over? What's your bi-weekly check that hits. your account? >> Um, >> oh, you're a. >> maybe we'll say. >> this is why you will never go beyond. customer service. And that's not talking. about a customer service. You'll just. never go beyond it. What hits bi-weekly? >> 122 to $1,300.

>> I'll say $1250. >> So, obviously there are a couple three. paycheck months. He has this bi-weekly, right? We're not talking by monthly. Okay. Right. By weekly. So, 2,500 comes. in. You said your car payment was $5.99. >> Yes. >> That'sing crazy. >> It's not that bad. >> Shut the up. >> My beetle was 420. So, you know what? It's really not that bad. It's only a. little bit more than the. >> How long is your term? 72 months. >> That's why That's why you absolute.

>> 22. You know what? The car will be paid. off by the time I'm 30. So, I'm. >> 30. Oh, a car payment. 22 to 30. 22 to. 30. Could you imagine if any of the cars. I had I just turned 30. Well, a few. months ago that I've had since 22 when I. was young, dumb, slinging [ __ ] Like, dude, I don't even know, man. I was. justing up in every way whatsoever all. the way through honestly mid20s. Like you know how much of a [ __ ] I was.

then getting into that debting things up. like oh my goodness. >> Well, why do you think I'm here? Cuz I. want to get myself. >> Yes, I agree. But I couldn't imagine. paying debt since then. Since 22. That's insane. That's insane. That's. longer than I've lived in Austin. That's. longer than I've had an adult job. That's longer than I've had a YouTube. channel. That's longer than I've done. like anything. That's crazy. Eighting years. Also, just the payment for 8 years, by. the way, cuz you're never going to move.

up. No one's ever going to give you a. raise. Gooding luck. Is 24% of your. income for your car payment for the next. 8 years. And I'll gift you. like, I don't know, customer service. certification from course careers. I'll. at least give that to you. See if you. can boost your income. But who's going. to deal with you? And what's the interest rate on that car. again? >> 4.9. >> Okay, >> it's not that bad compared to my 24%. interest rate. I think I did a pretty. good job. >> Yes, the interest rate is an. improvement. The beetle would have been. paid off quicker. You would have had an.

owned out car. >> You would have had You would have had an. owned out car, lady. >> Well, I still So, it was a 2013. Volkswagen Beetle. I purchased it. >> I don't need to hear about this again. I. don't give a I I don't care. You would. have had that paid off at some point. >> I was upside down on it. I wanted to get. rid of it cuz I was so upside down. The. car was only worth 3,000. >> You have to be upside down on your. current car. There's no way. When did. you get this current car? >> February. >> Okay. I bet you're already upside down.

I bet you're already upside down. And. they have a note. And this this is what. is crazy to me. Like audience, you will. never understand that. Yes, I know we. find creatures cuz it's fun. you know, Caleb Springer, whatever. But it's a. finance show and uh entertaining, all. that good stuff. But here's the thing, this is legitimately genuine. She had a. whole conversation with our producers. bragging about how she is actually doing. very well and is knowledgeable in the. world of finances. She was out there.

actuallying doing that. This is what we. are dealing with here. This is your. coworker. This is your neighbor. This is. your cousin. Who the [ __ ] are you? How. do you possibly think you're actually. doing well? Can you explain to me? Please tell me. I would love to know. because that they just sent me that. note, right? I wasn't involved in that. conversation. Please bring me back to. that conversation. How are you doing? Well, how are you knowledgeable in. finances? La boo boo. >> I pay my bills. I don't have. >> You don't have any bills anymore. You.

moved in with your parents cuz you can't. afford to live off. >> I do have bills. I have a car note. I. have car insurance. I have a phone bill. I have credit card. >> Continue. >> What are you laughing about? >> I can pay myself as long as I can pay. myself. >> Break out. >> What's wrong with laughing? >> I just don't understand why. >> Maybe you need to laugh. Maybe that's. your issue. >> I laugh when things are funny. When. people are funny. I don't. You're You're. laughing about the bill. She's She's. listing the bill she paid. She gets the. credit card and she starts laughing. I.

don't understand how you operate in this. world. I don't understand how people put. up with you. You're obnoxious. Please. tell me how else are you just. incredible? >> I go to work every day. >> Basic minimum requirement. Sure. >> I do a pretty good job at work. I would. like to think. >> Okay. You're not getting promoted. And. you're making $40,000 a year in 2 years. in a not so cheap city. The market. clearly disagrees with that statement. Continue. >> I mean, I'm trying to get another job,

but I haven't been successful so far. I've gotten a few interviews and like. second interviews. >> So, they saw your application, maybe. your application is okay, and then they. interacted with you. >> What does that tell you about you? >> That they are interested in me. That. they do kind of want me. >> called back. Now, once they got to know you, they. moved on. >> That's their loss.

I mean, I also have a note here again. You're saying you're doing really well. They know your finances in and out. We. have your Before moving in. When did you. move in? >> Um, earlier this year. >> So, while you were moved in, while you. already live with them, you were. borrowing pay advances from your next. paycheck. And you think you're doing well. What. the kind of delusion do you live? I.

don't understand. You live in the most. delusional. >> You know nothing. >> Why would they make it accessible if I. can't use it? >> All right, let's be honest. I wasn't. sure what to think of this thing when I. first saw it. Wearable AI noteaker. sounded like something out of a sci-fi. movie. >> It's impossible. >> But then I tried the plaude note pin and. yeah, this thing's actually kind of a. game changer. Whether I'm in a meeting, brainstorming content, or just walking. around thinking through video ideas, it.

captures everything. I just hit record, talk, and later you get a full AI. summary on the app. On top of that, you. can even chat with AI for more creative. ideas or work solutions. It's crazy. You. can wear it on a wristband, clip it, pin. it, or as a necklace. I keep it right. here so I don't forget it. It supports. 112 languages, two English. It has 20. hours of recording time, 40-day standby, and stores everything in the cloud with. unlimited space. So, you're not stuck.

deleting files every week like it's. 2009. >> Did you get that memo? >> And right now, they're throwing in the. $29.99 magnetic pin and clip for free, plus free cloud storage and their. advanced AI starter plan valued at 60. bucks. All included when you grab the. Note Pin. So, if you're the type of. person with a thousand ideas or running. lots of calls and meetings and no system. to capture them, this fixes that. Go to. my link to check it out. Scan this QR. code or click the link below in the.

description. With code Caleb, you get. $10 off immediately. I use it, it works, and it doesn't yell at me when I forget. something. That is worth it right there. That doesn't make sense. I just I didn't. say you can't use it. And technically. there are some things where you could. use it as it can be kind of there's it's. not always wrong. Just like a credit. card is not always wrong. It's just. abused and used incorrectly by most. people. I'm not saying what what are you. talking about? I'm saying if you're. having to borrow while most of your.

bills are paid for, i.e. the roof over. your head, usually your most expensive. bill, and you're having to borrow from. your next paycheck. How can you possibly say that you're. doing well? That just doesn't make. sense. You are just you are so lost. You. are so lost. And I hope we actually get. something out of this episode for you, but you are so lost. So, you're actively. applying for new jobs and you applied. for a job here. You don't even know what. job you applied for here. How many jobs. are you applying to? Do they even know. that you're applying to jobs? Do they.

know you're on this show? Your. co-workers? >> No. No. >> Really? >> They didn't know. >> Really? Most people tell their job. Yeah, >> most people ask permission from their. job. >> It's my job to know what I was doing. because. >> they will. >> This is literally one of the most. popular shows on the entire existence of. where we are right now. >> I don't think many people have heard. about you. >> Okay. I mean, that's I mean. statistically untrue, but I don't care. It's not a ego stroke. I'm just saying. they will likely come across in either.

shorts or clips or the episode itself on. Spotify or YouTube. That's fine. >> You're admitting to openly applying for. other jobs. Why would they support you? >> They know I'm actively applying to. >> They know this. Yeah, I've told them. when I need to go to interviews in the. past. >> What the And what do they think? They. obviously aren't going to support you to. stay there longer. Why would they? You're trying to leave. >> Well, they need me.

>> I don't think so. You're replaceable. >> You're as replaceable as it gets. No. offense. Numbers-wise, I guess I could be replaceable, but. knowledgewise, they can't replace my. knowledge. >> I think. >> I think I'm the most knowledgeable. person in my my department. >> No, you are not the old wise turtle. You. are the just born turtle. You are not. the one that have been around for a. while. >> You know, most people have left, but I'm. still stuck there the past 2 years. >> because no one will hire you.

>> I wouldn't even consider you for an. interview. You You don't even know what. job you paid for here. I wouldn't even. What? I don't You're a mess. How much. were you paying in rent before you. decided it was too much money and you. had to move in? >> 950. >> You couldn't afford 950. Listen, I. >> I could afford 950. I just wanted to. have more money available. >> for what specifically? I mean, that is. 40% of your income. That is structured. pretty heavily, but go on. For what? Why. do you want more income available. specifically? >> To make my purchases, my big girl.

purchases. >> So, it's not to pay off debt. Well, pay. off debt. Yes. >> Okay. So, you have to choose. Are we. making purchases? >> Well, I boo boos or are we paying off. debt? >> If the lab boou drops and it's one that. I don't have, I'mma buy it. >> You're going to move on from fling to. fling to fling cuz this must be an. internet fling, right? >> Lab boooos. >> Yes. >> Well, I'll be stalking them like an. internet fling. >> What? So, you're going to move from. fling to fling to fling though?

Do you even know half the things you. say, guys? She's Oh, she's lost. I mean, there's they're telling me you're. interested in leaving Houston for one of. the other four major city three major. cities in Texas, Dallas, Austin, San. Antonio. >> Yeah. >> For how how could you possibly afford. it? You can't you There's no way you. could afford it. >> Well, I can't afford it now, but if I. get a different job that pays me more, then yeah, >> no one's ever going to hire you cuz. you're you. >> you don't know that.

>> I do know that. No, you don't. >> I hire people. >> How would you know that? >> I hire people. >> Just because you hire people doesn't. mean someone won't like me and hire me. >> No one would. >> I bet you they will. >> And how's that going so far? >> It's going. >> It's not. >> It's going. >> Okay. Listen. What do you think your. finances are on a score of 0 to 10? Zero. being the worst, 10 being the best. Where do you think you stand? >> I'll say five.

I'm not doing terribly. I'm not doing so. great, but you know, I'd say I'm in the. middle. I'm not poor. I'm just broke. Oh, she's. broken, man. She's broken, man. Listen, if you want to see where you stand on. the world of finances, take the. assessment at calehammer.com. Come on.

the show by going to. calebhammer.com/apply. We'd be happy to. have you on. Links in the description. below. And make sure you download the. dollar-wise budgeting app. Take the free. trial now. Sign up for the annual. version which saves a lot of money. And. I will send you our cookbook, our budget. friendly cookbook, and I will sign it. and mail it directly to you. It can't be. purchased anywhere, so it's the only way. to get it. Make sure you sign up for. Dollar Central Essential if you want to. take any of our educational programs. It's one much smaller price instead of. paying for them individually. And it. literally has changed tens of thousands. of people's lives and it can change. yours as well. All right, let's get into.

these finances because I don't even know. what the to do with you. You're just a. creature. You're just a creature. An. absolute creature. What am I looking at? What is this? >> Um, my affirm purchase. >> Great. Affirm. I'm sure that's very. healthy for a person like you. Okay, affirm. And what do we have? We have a. total balance of 225.69. I'm sure that goes up substantially here. and there. What are we doing with a.

firm? What is a firm? >> Um, I use it to make big purchases, split them into smaller payments over a. course of a period of months. >> Yeah. But I'm asking how you use it. How. do you assess it in like a daily world? Like how often are you using it? What. are you using it for in general? Not. just a big purchase. Tell me your. mindset around a firm. >> Um, I think if I want to buy a Le Boooo. set. >> and I don't want to waste my whole.

entire available balance, I'm going to. affirm it. And I'm. >> So, you make your minimum monthly. payments even higher and higher and. higher until you can't afford to live. ever. Then you have to move back in with. family and you'll never be able to move. out and you're going to be a woman child. for the rest of your life. A little girl. living with mommy and daddy until. they're dead. Okay, great. What are you even purchasing on here? T-Mobile. We're T-Mobile payment. Youring phone.

bill. You're splitting it in four. >> That was the only time. That is the only. time I do it. You just brag about how. you're paying your bills. That's a bill. >> Okay. Yeah. And I paid that bill withing. zip. >> Huh? With what? >> With zip. >> Zip. >> It's called zip. >> Is this not a firm? >> No, that's not a firm. on the sip. >> What? Pull out your affirm. >> That's affirm. That's affirm. >> Say, "Pull out your affirm for me.". >> There's two different ones. >> Pull out your affirm. Pull it out. Pull. it out. >> It's not that bad. >> Just shut the up and pull it out, lady.

Oh, she giggles at everything. Oh, she's. just happy to be alive while the rest of. us suffer. >> I'm just a happy shut up. >> It's not that bad. >> Shut up. There's only three on there. >> What? No. Affirm. I said affirm. >> Oh, affirm. >> Oh my gosh. She's actually a [ __ ]. >> Are you sure you said affirm? I don't. think you said affirm. >> Stupid. >> I don't think you said affirm. >> So stupid. I've never even heard a zip, so I don't know what a zip is. I said.

affirm. >> You 100% said zip. >> Pull out your affirm for me. >> There's two different ones. >> Pull out your affirm. Pull it out. Pull. it out. Pop. >> I wanted a little boo. >> Pop mark. It's two boooos and you're. getting them for 95.74. >> I bought multiple of boooos. >> That's so stupid. They're six. >> They're so cute though. >> I hate you. I'm sorry. No, I don't. Yes, I do. I kind of do. I'm so confused. I I.

I don't want to be mean, but my gosh. Oh, you're just killing me. I'm not just. trying to believe you, but you're just. you're just ruining my existence. It's. nice and early here in Austin, Texas, and you're ruining my existence right. now. I'm so confused. What are your What. are your payment? >> I think you'd be more happy if you had a. little boo. >> I I think you need to die. >> I mean, then I wouldn't have bills to. pay. >> I just I don't want to listen to your. voice anymore. Listen, >> your minimum payments on this is $57.60.

until it's paid off. >> That's not that bad. >> It's stacking though. It's stacking. It's the stack. >> It could be worse. >> And you know what? All that on multiple. payments. It's not just like guys, they're at 36% interest. >> The number one YouTube membership just. got upgraded. And for this month only, you can join for free. Three exclusive. shows every day, Monday through Friday.

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>> Join Hammer Elite, the best membership. on YouTube today for free. >> It's worse than a credit card. You would. be better off putting these on a credit. card at that point. >> I would if I had an available balance on. my credit cards. That's funny. That's funny. That's cute. That's That's. nice. Oh, good. You've affirmed Door Dash.

Chick-fil-A. We knew it woulding happen in the show. Well, only I knew it would. Oh, it only. took what? A month? What? A month since. I was announced. What the Here we go. Here it is. Are you kidding me? >> It was like4. Why the would I pay $40 in one payment? I could split it into four. >> Why would you pay $40 when you make no. money? >> I do. I do. >> Because you live you live with parents. That's why it's able to stretch a little.

further. But if living with parents at. least pay for it in full or how about. better yet pay off your $45,000 of debt. so you can move on with your life so you. can move to another city. Gooding luck. like you're we can't affirm door dashing. Chick-fil-A. You cannot affirm it. Why? Why? I I knew this woulding happen and. of course you're going to be paying. interest on it. Oh, we're not affirming. Door Dash, guys. Come on. We can't be doing this as a society.

Oh, what a joke. What a joke. What? I don't know, man. What do you Oh, pull up your zip. Pull. out your zip. Now I said it. Now I said. it. >> You said it right up. >> I'm doing it. >> You need a little boo boo in your life. >> Oh, I need you to justing. >> Have you heard the little boo boo song? I've never heard of La Boou. So, you. think I heard the song? >> Yeah, you you should have heard it.

Yeah. Yeah, it's Laoo. >> Shut the up. We're not getting. copyright. Shut the up. She's a. creature. It's not even noon and she has. 35% battery left on her phone. This This. is the kind of person. >> I didn't have a charger. >> You came to Austin without a charger. last night? >> I'm raw dogging it without a charger. >> You know, we're talking life with no. brain. >> It survived since yesterday. So, you. know what? I think I'm I'm. >> No, she's a Discord mod as well. Of. course, she is. Discord notification. just popped up. Didn't follow the do not. disturb request that we gave her before. the show. Great.

TJ Maxx, Uptown, Cheese, uh, CheapKate, uh, Academy Sports, Door Dashing, Chick-fil-A. There it is. There it is. Is TJ Maxx, T-Mobile, Fortnite. She's paid him for Fortnite. She's. paying it for Fortnite. I wanted the. V-Bucks. I wanted to buy the Sabrina. Carpenter.

I had to have it. And now when I play. Fortnite, I use the Sabrina Carpenter. skin. and she sings and she dances and. everything. Hold on. What does the. Sabrina Carpenter skin show? What do you mean? She's got her cute. little outfit on. >> I might go to death for Sabrina. Carpenter. I get it. It's the first one. I'll I'll I'll accept. >> I mean, it's Sabrina Carpenter. >> The things I do. The things I do, ladies.

and gentlemen. >> And the girlfriend, she already knows. We agreed that we would just share. Sabrina. >> Bass Pro. >> I would never want to be on a boat with. you. >> I got a fishing rod and I got a fishing. license. >> That canoe would sink in 5 minutes. Target altered state. That's your entire. existence. Urban Outfitters. Guess you are in Houston. >> I like clothing. What can I say?

>> Amazon, Game Guys, Madrat Toys, Tik Tok. Shop. She's paying for Tik Tok shop and. she thinks it's cute. I hate her. I hate. her. Lindsay, I hate her. Lindsay, I. hate her. Brandon, Jake, Colton, I hate. her, guys. I hate her. Pokemon. What is. game guys? Cuz you were you were getting. game guys every four things. Every four. You're paying in four game guys every. second of your life. >> Well, I buy a lot of Pokemon cards.

>> What is game guys? >> It's like a game store. They sell. Pokemon cards. They sell. >> on every trend. She's on every trend. Oh, Funko [ __ ] pops. You're on. >> I can go there to play Pokemon. tournament. >> Every trend. You're on every trend. Pull. up your Tik Tok shop. You you absolute. creature. I I listen I'll recommend the Fizz card. to you guys. Not even her. I don't trust. her with it. I don't trust her with it. Usually I get you set up with it, but. I'm not going to get you set up with it. I don't trust you.

>> I have no Wi-Fi. >> Why did you join it? >> What's the password? >> Shut the up. Listen, chat, weinging make. them join the Wi-Fi. This dumbing. creature. camera. >> Oh, I am connected. I don't think it. just likes me though. >> Who does? Even technology refuses. >> to communicate with you. >> It's not my fault you have bad Wi-Fi. >> Time you've had a boyfriend. >> a month ago.

It's not working. >> Give me your phone. You absolute animal. You absolute animal. She has 24 things. in her Tik Tok shopping cart. >> I haven't bought them. I mean, they're. in there and I look at them every now. and then, but it's not like I've. actually gone and purchased them.

This is what's in the cart. And what are. we even doing with these? You don't need. all this. This is likeing top, slippers, coats. It's Texas. It's 100°. She has a. Shut the up to put on her on her back. seat. A pea pod wrist bag. Littleing. fluffy thing to put on the seat of a. car. >> Hell yeah. If you want to make your car. cute, >> I like shoes. Lingerie. Please don't.

Holographic. debit something. I don't even know. More. lingerie. I guess she's getting back out. there. Ladies and gentlemen, Houston, watch out. Uh, stainless cup. shoes, hat, but those are out of stock. I don't know. Uh, go to your purchases. Can I see your purchases orders? I don't. even know how to use Tik Tok shop. Oh, it's aing Pokemon. Pokemon Pokemon. >> I've bought a lot of Pokemon Tik Tok.

>> More trading things. Trading things. Oh, she's aing addict. She's an addict. Oh, she's an addict. She's an addict. I need. to see something and confirm my. suspicions. Show me a picture of your. ex-boyfriend. >> Why? >> I have suspicions. >> Suspicions of what? >> Suspicions. >> Um, >> I just want a picture. >> I'm going. I'm going. I'm going.

>> My suspicions were incorrect, ladies and. gentlemen. Never mind. No worries. We move on. Listen, I don't know. You're. paying in for everything in your life. And let's see, your minimumly payments. And it's weird because it changes cuz. things come and go, but I'm assuming. it's honestly stays pretty average. I. assume when you have anything left. you're able to spend on here, you send. it up. So, I'll just calculate what your. minimum monthly payment is now. And that's probably around where it. typically is regardless.

But you need to pay these off and never. use them again. Your minimum monthly. payment on here is 11268. and that pays off in one two about. probably average 3 month. Wow. You're. paying for addictions insane and it's. crippling you and you're making your. minimum monthly payments so. unsustainable on top of everything else. You will never be able to afford rent. Never. There's like there's not a chance. in this world. And I want you to be able. to move out. If you want to move out, I. would love get your life independent. Get back out there. You know, you're.

never going to be able to if you're. paying in four for everything. The. moment one is paid off, you immediately. get something again. Then you're. borrowing from your paycheck. Like, you're never going to be able to afford. rent ever. >> One day. I hate this world. There it is. There it is. Door dashing.

chicken fillet. >> Absolutely. >> I don't want to drive. >> Shut the up. I don't care about anything. yet. You're saying I don't care about. your. life is nothing. What is this? >> I mean, you can read that. It says. weather tech. >> Is this or my car? >> Is this zip? >> That's a firm. >> This is a different affirm. >> No, that's still. >> Oh, I hate you. I hate you. Shut up. Shut up. >> What a miserable life. What a miserable. existence.

Why do we owe $3,59359. to IKEA? I know you eat a lot of. meatballs, but how? >> Our furniture is expensive. >> What? IKEA's in general in the more. affordable furniture. What did you get? >> I got a couch. >> You live with your mom. >> Not anymore. Well, I mean like I did. like I did but I mean like. >> you did what? >> Like. >> you don't live anymore. Like I used to.

live by myself. I mean I used to live by. myself. >> Where did you get this. >> last year? What was your purchase? >> I got a couch. I got a coffee table. I. got a desk. Ladies and gentle. um. >> I got shelves. I got a mirror. I got a. rug. >> I got floor liners. >> Other than. >> I got bathroom related stuff. I got. everything to sell. >> other than the rug and a lot of the. bathroom related stuff. Ladies and. gentlemen, go on Facebook Marketplace, set it to the wealthy area. They just. want to get rid of their furniture. You.

will get stuff on the cheap that is. pretty good condition. You caning thrift. the out of this. What you've done is the. most dumb thing. And where's all their. furniture now? >> In my storage unit. >> You're paying for a storage unit. Living. at home, paying for a storage unit for. the last 5 months. How much is your. storage unit? >> $100 a month. just to keep our IKEA furniture that. isn't even close to paid for. >> I mean, I've tried to sell it, but who's. going to pay like actual retail price?

>> No one. It's a used furniture. You can't. sell it at retail price. What are you? How are you not You are not that. moronic. There is no human possible way. that you think you're able to sell it at. brand new price. Just cuz you owe on it. doesn't mean it's just like your car. Your car is below the value you paid for. it and you probably owe more than it's. worth. Same thing with the furniture, except you shouldn't be doing that. It's. ridiculous. How long does it take to pay off minimum. monthly payments only if you don't. purchase anything else from IKEA?

>> I don't know. >> Of course you don't. You don't know. >> Eventually, you know, eventually. >> You don't know anything in this world. It takes 9 years. You'll be 31. >> That's not that bad. >> You see this ancient mother right here? You'll be one year older than him. >> That's not that bad. You know what's more terrifying than. catching your toddler with scissors? Not. having a plan if your family is caught. off guard because something unexpected. happens to you. And that is why I. applied for term life insurance through. Fabric by Gerber Life. Because adultting.

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this. >> without freaking out and crashing out on. you because maybe this is your. perspective in life and that is why you. are just so lost. The it could be worse. doesn't work. It doesn't work. There's. always worse and there's always better. Okay? Just because someone's making $2. million a year doesn't mean you making. $100,000 a year is bad. Just because. there is someone getting drone strike in.

Iran right now doesn't mean your life is. not bad. Sorry Ayatollah. >> but my life isn't bad. >> Listen, >> I have a car. I have a job. I buy my. stuff. >> And your ugly boyfriend broke up with. you and you live at home with your. parents. Your life is bad and you have. $45,000 of debt and you have nothing. going for you and you have no chance of. moving out. Your life is bad. >> Other life is worse doesn't mean your.

life is good. Other lives are great. doesn't mean someone's life is bad. >> You know, I think I'm pretty happy. >> You're delusional. You're blissfully. ignorant. That's okay to be happy on. And listen, if that's that, let let it. be that. That's okay. I'm willing to. help people and get people to where they. want to be. If you're happy and you are. satisfied, good. Go on. I'm not going to. sit here and judge from a keyboard or. whatever online, scroll and find you and.

be like, "No, that's okay. Live your. life. If that's the life you want to. live, don't come asking for handouts. Don't beg and be like, "Oh, the world's. against me." No, you did this to. yourself. But if that's the life you. want to live, go do it. I I I I'm not. requiring you to do better. I'm not. required to do better. I'm willing to. help those who want to do better. >> Why would they give me credit cards if. they don't want me to use them? >> They give me access to free money. >> Why would they want you to use them? Can.

you answer that? I want you to just put. your put yourself in their shoes, you. know. Listen, >> cuz they want me to use it to spend. money. >> But why why would they want to? >> So they make money. >> There you go. They're making money, which means you're losing money. But I'm. still getting my purchases at the end of. the day. >> You are getting your purchases. And if. that's all that matters to you, then go. on. Do it. That's okay. If that's the. life you want to live, go up your life. That's okay. That is your choice. >> It's not that up.

>> Do you not understand what I am trying. to say? Lady, do you not understand what. I am trying to say? You can live. whatever life you want to live. I will. accept it. I'm willing to help those. that want to be helped. Do you want to be helped? Do you want. the budget? Do you want the chance for a. better life? >> Yeah. >> Your parents must be ashamed.

I understand why he ran. Surprised your parents haven't. The fact. that they enable this is disgusting. The. fact that they enable this is. disgusting. The way you live life is. disgusting. I'm not going to sugarcoat. I don't care if I'm rude. You need to. hear it. No one's ever told you. People. have just supported this for far too. long. It's disgusting. The way you are living on this planet is.

disgusting. I think I'm a pretty clean c person. I don't know. Is it disgusting in the. room with us? Cuz it's not me. You had to pay this within 12 months. >> You did not pay this within 12 months. >> It'll get paid off eventually. >> That's I Okay, you're you're.

misunderstanding what I'm saying because. you're unable to comprehend a single. thing in this entire world. You had to pay this off in 12 months not. to have any interest acrue. You didn't. And now interest is acrewing. at 21.99%. Could be worse. She doesn't understand. She doesn't. understand. She is so lost. She is so. lost. See, she is so lost, man. I don't.

even know. Okay, some of these I think there's some. that. Okay, one expires next month. That's. certainly not going to be paid off. And. one expired a month ago, and one expired. like last week, two weeks ago. >> Shut the up. I don't want to hear your. voice. Shut the I don't want to hear. your voice. Barely started. Yes. And now. it is acrewing. But here's the thing. Guess what? You've had.

>> two late fees this year. It's not that bad. >> I don't know what the to do with you. I. don't know what the to do with you. >> What do you think is considered a. reasonable amount of late fees? Not. paying these on time. And well, it's. interest free. Giving you the. opportunity to pay these off in a year. to not pay any interest, making it. actually make sense because I'm okay. with financing furniture. If you pay it. off interest free, you can then invest.

the money. And if you're investing when. the stock market was down a couple. months ago, you would have made a decent. amount of money. That would have been. wonderful. That's how you can finesse. You're not finessing. You're a disgusting creature. financially. >> I'm just a girl. >> Barely. Two missed payments, late payments, mispayments, whatever. The This year so. far is insane. We're not halfway through. the year yet. That is not what do you.

think is considered reasonable? >> Reasonable? >> Yes. >> Try to answer a question. >> It's under five at least. >> So half. So half to miss half the months. is fine. >> Well, I mean I've made every payment. that I needed to. >> Yeah, but late and then you're getting. charged fees, meaning you're having to. pay more money. >> More money. Maybe I accidentally. miscalculated my budget.

Why don't you have auto date? Why would. I want What if they like overdraft me? I. don't want the overdraft. >> Why would you be overdrafting? Why. wouldn't you have enough money in your. checking account? You live at home. >> Make purchases sometimes. And sometimes. maybe those purchases might be over my. budget. And so why would I have. >> Why would you be purchasing things over. your budget? >> Maybe I accidentally forgot to look at. my bank account before I swiped my card. >> No, no, no, no. If it's not in the. budget, why would you be purchasing? >> Because I want it. >> But then why budget?

>> Why not? >> Because it's doing nothing. Because you. just you go spend on what you want. regardless. >> Something. I mean, it's doing something. >> I pay all my bills. >> No, this is a bill. You were late twice. this year. Not halfway through the year. yet. >> It's okay. I don't understand you your perspective. on life. You you just have to.

essentially say. you have to make a choice. Do you how. much do you actually want to move out? How much do you actually want to be. independent? Where is that on your scale. of wants? >> Um like on a scale of 1 to 10 or. >> 10 you want to move out yesterday. >> Okay. I'll say maybe a seven and a half. >> Okay. That's pretty high. Then why the. aren't you managing this correctly? Cuz. you're making it go even further and. further away. That is not a seven.

action. That is not a 7 and 1/2 action. Not even close. 9 years to pay off. So 9. years until you move out. >> I think I'll move out before then. >> Uh how. how are you finding a way? What are you. doing? You're certainly not starting. off. So what what ways would you be. finding? >> Um maybe I could do a side hustle. You. know, >> what side hustle would you be doing? >> Sell the boo boos on the side. I could. be a little boooo reseller. >> Are are you Well, how much have you made. off of your booze? Boos. Boo boos.

>> It's a little. >> How much have you made over how long? >> Profit. Profit. Profit. >> I don't even know if you know how to. calculate that, but profit. >> I can pull out my calculator. >> I have a calculator, but you don't know. how much you've made. >> It doesn't have to be exact. I haven't I. haven't done that many, you know, like. I've only like resold them to like my. co-workers and so like you know. >> cooworkers. >> I don't want to overcharge them, you. know, like I don't want to be like those. resellers that like charge double the. price to like make a lot of profit, you.

know, cuz I feel bad cuz like everyone's. selling them for so much more and I. don't. >> But what's the point then? What's the. point? If that is your entire intent. behind the boooos, then do it. Be a. scummy motherucker. I don't support it. But if that's the point, then I don't. understand what you're trying to do. That's going to be your side hustle that. helps you get out and move and pay rent. earlier. >> Well, I haven't fully figured it out. yet. >> What? The boo boo scheme? I mean, the. boo boo scheme is going to come and go. just like the Stanley's did.

>> I don't know. >> There'll be a new scheme. >> I'm just 22, you know. I have a lot of. time to figure everything out. >> You do have a lot of time. But if your. entire thing is 7 and 1/2 out of 10. wanting to move out tomorrow, that. sounds like you don't want to wait a lot. of time. So I don't understand the. excuse of I have a lot of time. You want. to move out now. Your priorities are. whack. You are preferring the boo boos. You are preferring uh I don't even. dashing Chick-fil-A on CLA. Pokemon cards every 5 seconds of your.

life. Pokemon cards. >> or moving out or moving out. Choose one. If you want to stay home forever, you. can. Again, I will support this. Well, I. won't like give it a woo woo, but I'll. let you be. >> If if you want to live at home. purchasing Pokémon and boooos, you can. >> Have you ever opened a Pokémon pack. before? I'm sure I have. >> Have you ever just like, you know, like. an ETB and then you just tear open a. bunch of packs? It's the adrenaline.

rush, you know? It's like gambling. the. dopamine and it is like gambling. That's. exactly correct. >> It's fun and then you can trade them or. you can resell them. and I'm not against it. I am saying. choose that or moving out. What's more. important to you? >> Is it moving out? I hope it's moving. out. >> Yeah. >> Then we have to make some hard choices. We have to make some hard choices. That. is what is called being an adult. And. you're 22. You're four years into. adulthood. I don't care about your. infantilization. >> I'm just a four-year-old adult at this. point, you know. I got a lot of I got a. lot to go on still. You know,

it's only been four years. I think I've. learned a lot and I still have a lot to. learn. But, you know, and that's okay to. learn things, but you have to make adult. decisions. You're choosing Pokemon. over moving out. Even though you want to. move out, it's because, you know, it's. because moving out is a long-term. process. Moving out is something where. you have to save up. You have to have. savings. You should pay off some debt so. your minimum payments aren't as intense. You have to put first month, maybe last. month. There certainly a security. deposit down. You might have to move and.

find a new job. Those are things that. take two, three, four, five, six months, year maybe. That is a long horizon. Hard. thing to look forward to. Hard thing to. stay down and grind for where a Pokemon. purchase is like that. You are only able. to do those insta things. You cannot see. beyond a day. You can't see beyond a. day. You wouldn't even bring your phone. charger to Austin when you came here. last night and stayed in a hotel. You can't see beyond what is right in. front of you. Which is why I think you.

will never move out again. Or you will. and you'll get evicted and move right. back into home. You'll move out. unprepared. I think that's how your life. is going to be. You have another one. that expires in 2025, but that one's a lot smaller. All the. rest of them of this IKEA card are. substantially higher. Furniture you did. not need when you could have got used. furniture. No, probably not a rug. But. though you kind of get it professionally. cleaned, but at that point, you know, cost difference. >> I had no furniture. I wanted furniture. I didn't want to lay on the floor. So, I.

went and I got furniture. >> I wanted I wanted my apartment to be a. vibe. >> Always used furniture. >> It was a whole vibe. You know, >> furniture used. >> It all fit perfectly in my apartment. >> No offense. IKEA is not bad. >> They have really cute stuff. I don't. know what you mean about vibe. >> IKEA is not great. >> They have really cute stuff. >> You would get better stuff off of. Facebook Marketplace from the rich. areas. They just want to. >> Okay, but like I don't got money like. that. So that's why I credit card. Put. it all on the credit card and I don't. have to pay it off right then and there. You know, the card and boom, done.

>> I'm going to kill you. When a wealthy. person is moving or when a wealthy. person is renovating or getting new. furniture or whatever they're doing, they just want to get it out of there. They just want to get it out of there. They will take it for chief, dude. They. will. What do you think furniture flippers do? It's so easy. >> Resell. I don't know. >> I It wasn't an actual. Okay. What is Premier Bank card? >> A card? >> Yes. What What is going on with this? >> It's just a card. I just happen to use.

it. >> Oh my gosh. I don't know how you've made. it this far. I'm Oh my gosh. Do Do What. do your What do your co-workers think of. you? Do you even know? Oh, she's over. the limit by $41. She's over the limit. by $41.91. >> It's only $41. It'll be gone by next. monthly payment. I'm going to break one of these again.

Had to replace these now. Oh, I broke it. Damn it. Oh, the rage of. thising show. The rage of thising show. Okay. It's holding on barely. Uh you may for what it's worth, you at. least made your minimum monthly payment. But then wait, not it must not have been. on time cuz you had fees. You had fees. You had interest up to and you made a. lot of purchases. What were the fees?

What was the fee? Oh, it's just a. monthly fee. This is a horrible card. Why would you have this card? Why would. you just have this card's horrible? You. could have any other card. Well, probably not you, but. >> no. With my credit, I can't get another. card. >> Oh, then you need to close this card, man. You need to Okay, simple fact is. you just need to close this card. >> Well, eventually it'll be closed. But, you know, >> No, no. Close. You call You close. You. call, you close. What do you mean. eventually it'll be closed? >> Well, how can I close it if I don't have. the money to pay for the whole card? >> You don't have to. You can close a card. Well, it has a balance. Call them.

>> That's a thing. >> Yes. >> Since what? >> Since cards. >> You can close cards if you have a. balance on them. >> Yes. Interest will still acrue, but you. just can't purchase on it. >> This is news to me. >> They'll fight back. Some might not allow. it, but with the majority, yes, you can. Listen, with the fees and everything, amount over limit. Oh, sake. They're. making you pay that into your minimum. monthly. Your normal minimum fee is 59, but right now it's $100 because you owe. above theing limit. >> But then I pay more off. So, you know,

it's like in a way. You don't. No. In a. way, >> the the balance of the card goes down at. the end of the day, doesn't it? >> No, cuz you're over the limit. What the. talking about? If. >> Well, after I make the monthly payment, then yeah, the balance will go down. >> But you don't. Or else you wouldn't be. above the minimum monthly. >> Or else you wouldn't be above the limit. What are you talking about? >> Well, the only reason if that was the. case, that would be the case. And it's. literally not the case. As I look at. this, so that that's incorrect. >> What are you say? I don't understand. what you're saying. I don't understand. half the things you're saying. This.

takes three years to pay off if you make. your minimum payments only without. purchasing things. They're telling me. use it for just food and Pokemon cards. Uh oh, also parking and Amazon Prime and. Prime and Sonic Drive and Cantina, McDonald's, Chick-fil-A. >> Foodie is Sonic Drive in. >> I really like the Dr. Peppers from. there. >> I'm sure you do. You really look like. $121.74.

is the fees. $121 in interest is here. So far, it's a 36% interest rate and. you're above the limit. You you're. you're a lost cause. I'm sorry. I'm so. sorry. Your your worldview is so And you. are so All right, financial audit. listeners. I just wanted to give you a. quick update real quick cuz I let you. know what tools and everything I'm using. in my own personal life. And I want to. let you know after a couple years, I. finally made the switch to a better. platform for investing. and I got a lot. of sign up bonuses. So, you can get some. money if you come with me. So, I made.

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want to start investing? Do it with. Weeble like I do right now. Are you. getting the hint here? There's a lot of. money just sitting there. And this is a. much better platform than the one I was. using before. So, just go to weeble.com. or click this QR code. Links are in the. description below. Just get started. Get. money. I just I don't I don't then nerd. creature. What even is this card? What. do I put as the name of this card? What. is this? >> It says IKEA. Can't you read?

>> Is this another IKEA card? >> I have two. >> This furniture. You went about furniture. in the most moronic way possible. >> Okay. IKEA number two. She owes She's above the credit card. limit on aing IKEA card. What is wrong. with you? >> Okay. Well, okay. So, I paid for the. account as sure and well, I didn't I got. it. I paid Well, like I didn't really. know what it was. And so, like they. started charging me monthly fees. I.

didn't realize how much it would affect. me. >> What do they even sell you? What does it. even say it does? >> It's like if I lose my job, then like. I'll be fine. >> What? Then you'll be fine with what? >> I don't know. Like I it it protects if. you lose your job. I think it pays for. it. I'm not entirely sure. Honestly, >> $600 blow dryer on this card. Couldn't. even make it throughing hair school. >> It was a Dyson Air Wrap. It makes my. hair look really cute for work. >> Your hair looks fine. >> I used it today. >> $1,11.82.

on a $1,000 limit. Your hair looks fine. Minimum monthly payment $40. >> A Dyson. >> What a joke. >> It was a good purchase. >> No, none of these purchases are good. Okay. Dyson are moving out. >> Dyson are moving out. >> Dyson Air Wrap. Oh my god. >> More than moving out. >> I love my Dyson Air Wrap. It's godly. It. makes my hair look really good. This is. why I have no so little time to do my. hair. >> I'm filming this because people put work. into it and because, you know, we upload.

three of these a week and I'm sure. someone will find this interesting and. someone will send this to the person. they know that is just like you and as. moronic as you will agree that the hair. rep was a good purchase. So, there are. actual reasons to continue filming this, but you are lost. Let's be clear. You. are lost if you're preferring Dyson Air. Wrap over moving out and actually. starting your. >> I'm not saying that I prefer it over. moving out. But that Dyson was a good. purchase. >> I think your person, if you had a. person, you know, like they would.

>> Well, your girlfriend would probably. really enjoy a Dyson Air Wrap if she. doesn't already have one. >> She doesn't. She would. >> She'd probably love it, though. And I. can buy it cuz I can afford it cuz I've. moved out and started my life. You can't. afford to leave your parents. You want. to leave your parents. You chose Dyson. and paying for their stock price to go. up for investors like me. Thank you. >> You're welcome. >> I just I I I I I don't get it. I just.

don't understand why you the choices you. make are just so backwards. They're just. so backwards. >> It was a good purchase. >> And then you paid it job protection bull. on it. Now you're over the limit. I put. 1.99% that recently shut up. >> You put a trip on this card apparently. too. They're telling me. >> a what? >> A trip. >> What trip? >> I don't know. To a friend's wedding.

>> Yeah. Yeah. She is aing super villain. She's a. little creature. >> I mean, it wasn't that far of a trip. It. was like to Navasota, you know? It was. like a drive. Did. >> you just call me. >> to Navasota? You know what that is? >> No. Or else I wouldn't be giving you. that face. >> It's a place in Texas. Google it. >> Fine. No one's ever heard of that place except. for the people that live in Navasota. >> I think you just haven't heard of it cuz. you're uneducated. >> Do we know Navasota? >> Do we know Navasota? I've heard that.

>> Okay, we got one yes, one no. >> cuz they're educated. >> No chance. >> Okay, three nos, one yes. >> So, three people are uneducated. >> A small town. >> and it's out. Okay, it's right next to. Houston. You live in Houston. Why' you. have to put hundreds of dollars on this. card? >> Well, the hotel I had to get the hotel. room and then there was the speak easy. and I wanted to get drinks. Also, I had. to get my friend a wedding gift cuz it. is her wedding. You give people stuff on. their wedding. is is getting drinks. every day just to make it through the.

work day with you. >> Buzzball a day keeps the demons away. >> Listen, I get it. Support a friend. Go. to the wedding. I love it. But look at. how you're doing it. It's so stupid. She. better be like a bestie. >> Yeah, she's my bestie. Um I'm jealous of. her lifestyle. Honestly, she's got a. man. He makes enough money to support. both of them. You know, they got. >> If you weren't a creature, you'd have. one, too. >> Maybe if I had a man that made more. money than me. Yeah. You know, I'd. probably be better off than you. >> I don't think everyone makes more money.

than me. >> You're right. Not everyone, but the. majority, the median uh income in this. United States does. >> I think I make more money than most. people my age. >> No, >> most people my age would probably be be. having other jobs. You know, I think I'm. pretty far ahead compared to. >> Most people are graduating college. >> and they don't have jobs. So, I at least. have a job. I at least make 40,000 a. year. I mean, they might be in school, but are they making money? I don't think. so. I am. >> Yeah. In general. In general, sure.

You're uh for someone fresh out of. college, yes. You do actually make more. than that. However, they are going to. quickly pass you because once they get. above about 25, they're going to quickly. surpass you. Start getting closer to. that $60,000 median salary in Houston. So, yes, for fresh out of college, you. are technically making more cuz they're. around that 30 to 5 range. 30 to 35. Exactly. They will be to 60. You will be. stuck at 40. >> I can get to 60. >> No, you can't. No one will ever want to. work with you ever. >> And no one will ever want to date you.

Which is why you are jealous of someone. else who has a man that pays for things. >> When I get my girl a Dyson Air Wrap, they'll be jealous because I paid for. it. And I paid for it with a budget that. I have and finances that I manage. >> Well, I still have a Dyson Air Wrap. >> You have debt for a Dyson Air Wrap that. you still have. >> I have it though, don't I? >> And you still have the debt. That's fine. But I have a Dyson air. wrap. >> Yeah. You can't move out of your own. house. Shut the up. What? What? What. card is this. >> premiere?

>> Premiere card. >> Yeah, >> we already talked about premier. Is this. a different premiere? >> There's two. >> She has two of everything. She's insane, man. >> They offered it to me. How could I say. no? >> Oh my god. >> How can I say no to an offer like that? >> So, you will literally take any drug. that someone offers you? Not any drug. >> I have morals. >> How do you get But you have no. advocation for yourself. You open this a.

month ago. You open this a month ago and. it says $7367. Minimum monthly payment $300. What's the. limit on this card? Or minimum payment. $30. What's the What's the What is the. What the is the limit? >> 700. >> She opened it a month ago. She's over. the She's over the credit limit. Oh, I'm so close to just ending this. one. I'm soing close. I'm sorry. I'm. sorry. I'm sorry. It's not even for.

anything productive. >> I bought I bought clothing for my. interviews with that card. >> Did you buy a piece of clothing twice a. day? Do not try to justify. >> I had to buy corporate girly outfits. >> You just need toinging buy an outer. shell and accept your life. This is what. you got to get. Just put on the shell. Get in the water. That's where you. belong. You're just going to TJ Maxx, Taco Bell, In Reach, Marshalls, Premier.

Nail Bar. Not worth it. Miss car wash. You live in. Houston. It's not a desert. It's not. snow. There's no salt. >> I have a white car. I have a white car. and it's brand new. And I know from the. opening of this conversation and your. car workers and seeing your boyfriend, you always prefer the white versions of. everything. So that doesn't surprise me. But also, who cares? >> I want to keep my car clean. That's why. I'm going to go to the car wash. That's. why I have a car wash me. >> Who cares? Do you want to move out or do. you want your white car to be spotless? Who cares? >> I can have both.

>> No, you can't. Obviously, as in you're. not doing both right now. You obviously. can't though or else you'd be doing. both. Lady, >> exactly. Cash App $66.95. Charlie's Philly Stakes. Charlie's. Philly Stakes collectible Dillards. >> Had to buy a dress for the wedding. You. know, >> restaurant. It looks like a monthly fee. of $8. An annual fee of $79.

Oh, thising card. Wait. Okay. Wait. Yeah. Pull. Pull it up. Pull it the up. I don't know how much interest you're I. don't care actually. Just keep it. You're losing interest. This is What a. joke. Just It's so stupid. It's so. stupid. Capital One. Great. We have a. Capital One card. >> No, it's not that bad. It's only $300. It's only $300. >> It's only $300. It could be worse. No. No. Shut up. It's always shut the up. It's only $37 because the limit is $300.

That is the third card that we are over. the limit. Shut up. If the limit was. higher, you would have made higher. $25 minimum payment, $756 of. interesting. She purchased on it. Sheing. purchased on it and it's above the. limit. What a joke. 15 months of pay. off. It's for Freddy's steak burgers and. fries. >> I was hungry. >> You're always hungry. And it's Taco Bell. the next time. Yeah, this diet's going. real well that she bragged about. >> I just started.

>> Everyone just starts everything a day. before they come on the show. Shut up. If you do it three months from the show. in the entire time leading up to that. three months since coming on the show, then I will respect it. Do it three days. before coming on the show. No, that. means nothing. It's at a 29.49% interest. rate. I just don't understand how. someone could be purchasing on a car. that is above the limit, that is. acrewing interest that we cannot fully. pay off when we want to move out. This. makes no sense. This makes no sense. That makes no sense. >> I'm just a hungry girl sometimes, you.

know. I go to work, I get hungry during lunch, you know, and so I go and I buy myself. food during lunch. >> Raised on Tik Tok and it has ruined you. It has ruined everyone like you. You. have no idea. You have no idea. Your. life is going to be miserable because. you think this is cute. You have no. idea. The rest of your life is going to. be because you think it's cute to just. be a hungry girl. It's not cute. Your.

life is ruined. You're done. And I'm. almost done. Oh, we have another over the limit. credit card. First community. I'm not. even shocked anymore. This is so sad. Ah, we owe uh $1,11.3. The minimum payment of $30.33. She purchased $8.73 on this and it has a.

limit of $1,000. Takes seven years to. pay off this $1,000 with the minimum. payment only and no purchases. 7 years. just for that $1469. of interest acred. >> I'll pay it off before then. I mean. above the limit on multiple cards and. there has been nothing that has even. been close to paid off. That is a lie. Shut the up. You've had a late fee this. year so far. There is no way. I will. just pay this off. Shut up. Shut up. Shut the up. And you're getting getting.

busy be boa. >> Boba's good. >> It is good. You can't afford it. >> I love it. You know me too from Busy. Boba is really. >> sure I'd love it, too. I moved out of my. house. I moved out of my parents house. I can do it. >> I'm an adult. I can do it. No, you. can't. You're a child. You're a little. baby. Okay, fine. Enjoy your Pokemon. cards and boba. >> Live with mom forever. I mean, that's. it. This is That's the alternative. That's the alternative. What is this? A.

pink card, right? >> Victoria Secret. >> Victoria Secret, man. I'm just I'm so close to just being. done. Uh, you owe $47. You have a. available I mean, yeah, it's a $150. limit, so that's why you don't have much. on here. $47.25. Fees $2. Minimum payment $30. What's the. fee? Minimum interest charge. What a. card to have. 35.99% interest rate. What a dumbing. bull card. $753 of interest this year so.

far. $4 of minimum fees charged this. year so far. So stupid. >> See, that was not that bad. That was not. that bad. >> Why did we even have this card? Who are. you trying to perform for? You don't. have. >> Okay, I got it years ago. It was like. one of my first credit cards and I just. use it every now and then to purchase. undergarments. and I just make one monthly payment. >> the car. >> over time. >> Your minimum monthly payment is lower. than you said at the beginning. Oh,

wait. No, it's not. Oh, you only made a. partial payment, so that's why you have. to owe the rest. Oh, and there's no way. you haven't been laid on this car. >> I have not actually I a month ahead. I. don't believe you. You're not a reliable. source. >> I don't believe you. >> Where's the car again? It's a 2025 Honda. HRV. Okay. $34,728.76. is basically your month income.

Certainly is after taxes. Uh minimum payment $599.15. Huh? Huh? Huh? What's it worth? >> Maybe like 20,000. >> 24. You're underwater by $10,000. What a. joke. You just bought this. >> Well, yeah. >> What a [ __ ] joke. >> I was upside down on my other car. I. have to roll it over onto this car. At.

least it's a 2025. >> All those cars you were underwater. Now. you're underwater again. So, it's the. same thing. So, we may as well roll it. into a $60,000. I have a better interest. rate. So, it makes it okay. >> It doesn't make sense. You're going to. be paying this. It doesn't make sense. when your payoff term is February 21st, 2031. >> That's insane. >> That's so far away. It's 2025. 2031. That's what 6 years away. We're halfway through this year already.

You know what? We'll be there in no. time. >> Even with a low interest rate, the. amount of interest that is going to be. acrewing for 6 years is disgusting. you're going to lose so much money and. then the depreciation, you're definitely. losing money. >> But that's why I pay it every two weeks. to make the interest at least like a. little bit lower for each payment I. make. >> Listen. Well, let's see how you do it. I don't know if the way you're doing it. works correctly. That's an insane debt. That's an insane.

Oh, you have student loans and you never. graduated. Uh, do you have payments on. these? >> Probably, but honestly, I haven't looked. at it. >> Do you have minimum set up? >> You don't owe much. It's 2,790. Your minimum payment would be low, like. 25 bucks. >> I mean, I don't know. I've never like. I've logged into the website, right? But. like, they've never like sent me. something saying like, I need to start. paying. >> Well, they will garnish your wages if. you don't. >> I don't know how it works.

[Applause]. She has negative $30 in her checking. account. You're never going to move out. You're. done. You're done. >> My gym fee hit. Forgot about it and it. overdrafted my account. >> My gym fee hit. That wasn't. >> Yeah, my gym. I forgot that I had to pay. that and you know, so like it made my. account negative. >> You started with $30. If you start with.

$30, you're already pushing it. You. goting Honey Farms and Oala and Zip. Installments, Bagu, Dutch Bros, Spotify, Michael Stores, AliExpress, Amazon. Marketplace, AliExpress. Can you [ __ ]. AliExpress? >> I got from Boooos. >> from AliExpress. >> Yeah, they were cheaper then. >> Boooo. Shut the up. Daio, Taxmex, Goodwill, Sonic, Fortnite,

Philly Cheese Stakes, Academy Sports. This is so stupid. Oh, here's all your pay advances coming. in. $60, $45, $25, $20, $11, $1.69, 69. $2.96. $228. $55 $40 $20 $57. What?

Apple Cash going and getting some BS. Mr. Car Wash again. Dutch Bros. Taco. Bell. Zip Zip Five Below Philly Cheese. Sticks for the diet person. She's eating. out every second of her life. Marble. Slab Crearyy. Zip Affirm Zip Zel. Chick-fil-A. Philly cheese steaks. Going. in and getting some liquor. Zelling out. money. Ramen. Barnes & Noble. Kung Fu. Tea. Little bubble. Water burger. App. pay later.

Zip. Taco Bell. Zip. Zip. Total wine and. more. Zip. Yeah. Drink away all your. pain and suffering. That's You were. negative 40 at one point and then your. easy tag hit. Don't take tolls. You. can't afford tolls. >> But that makes me get to work so much. faster. >> I don't care. You're overdrafting with. it. You're overdraft. You're. overdrafting with it. You're. overdrafting with it. You're. overdrafting with it. >> If you're overdrafting, we don't get to. do tolls. >> How many overdrafts have you had this. year so far? Do you even know?

>> Not that many. >> Pull up your checking account. >> It only recently started your checking. account. >> I only recently started. >> Pull up your checking account, youing. person. Just listen to me when I say. things. Oh, good. Capital 1 savings savings 72. cents. Oh, we paid for zip in there and. Verizon Wireless. What a joke. Uh $2,314. in retirement. Surprising. So weird. You.

and your health savings account talking. on this. It's so weird. It it just makes no sense. Okay. It was. your first overdraft this fee this year. so far. >> I got it reversed. >> Honestly surprised to see that. >> I got it reversed. Honestly surprised. right away. And I. >> But look how we're starting now. It's. starting over time for now. Look where. you are. Everything's maxed out over. maxed out except for the Victoria Secret. which is only takes like another 40und. bucks to get maxed out. You have no. wiggle room. You take tolls. You don't.

care what you're spending. You just go. crazy. Boo boo, Pokemon, boba, water. burger, Chick-fil-A, everything. and. going and getting some liquor. You're. just It's soing moronic. You are going. to overdraft again. You are going to. overdraft again. There's not a chance. you don't. >> It's only happened to me once this. entire 2 years. So, you know what? I. think I'm doing relatively fine years. It's the first time. >> having a job, I guess. Okay, I'll see if. I can even make a budget. I don't even. think you're worth it. No offense.

Are you worth the time and energy? Clearly, the last guy said no. Okay. Okay. Minimum payments alone. 1,19.76. What's your car insurance? >> $280. >> Gas. >> 30 bucks to fill up. >> How often you tit? >> Once, twice, maybe a week, depending on.

how much I've driven. >> Okay. Call 45 * 4. 180. We'll say on average phone bill. >> if you. >> okay pay off youring phone dude it's. soing stupid. Do you have any rent or. anything utilities or whatever to the. parents or you just being a leech? >> Not yet. I'm going to start. I'm start. >> August. How much? >> 450. >> Okay. 450. We'll butcher that in because. August is right around the corner.

Groceries $300. Use our budget friendly. cookbook. If you want it, you can't. purchase it, but sign up for the trial. of DollarWise. Then take the annual. version and I'll sign it and send it. directly to your door. The budgeting app version of Dollar Wise. TP Fund, $100. Anything else you need to. survive? Subscriptions, I usually like. to put in 15 bucks these days. You have. any pets? >> Um, my parents have cash. >> What's your gym? >> 25 bi-weekly. >> Bi-weekly. Okay. 50. Uh, medical. healthcare. Any co-pays on a monthly. basis?

You go see special help? I mean, I go to get my annual like. eyeglasses, which. >> is annual. Okay. Nothing on a monthly. basis. No prescriptions, no nothing. Okay. When she stopped at CVS, it was. bull. Or she had an STD. We don't know. So, I'll call that out. That was like a. $30 thing you did at CVS earlier. What. else? Anything else that needs to be in. your budget? Speak now or it's gone. >> So, no. >> I can't think of anything. >> Nothing else. Great. You're underwater. by $134.76.

Um, you're never going to be able to. move out. I mean, just I just I'm sorry. You're a leech. You're You don't care. You think being just a girl is so cute. You're Tik Tok brained. You're ruined. I'm annoyed that I wasted this time on. you. You're a joke. I'm sorry. I'm. sorry. I know I'm being mean, but I'm. also just not going to. You need to hear. cuz no one's ever told you. What you're. doing is not cute. what you're doing is. not nice. What you're doing is not. funny. You're a joke. You're disgusting.

You'll never have independence. You're. never going to be with someone. You'll. never get a better job. You will never. increase your income unless you actually. change your behavior. And that is the. big recommendation from this. conversation. If you change your. behavior, if you change your on uh outlook on. life, go take some therapy and. accountability. Actually deal with in a. mature way. I can see you potentially. getting a better job. I can see you. interacting with people in a more. healthy way. Until then, I don't know.

how the you do it and I think you're. going to be living at home forever and. thinking you're cute collecting your. little figurines. You got nothing. And I'm sorry cuz. that's the reality of the situation. And. I'd rather just tell you the reality. then enable you like everyone else in. your life has cuz that's not going to. help you. I'm going to give her her financial. audit or her hammer financial score, but. make sure to join us in the post show. with the link in the description or pin. comment below. Join the Hammer Elite. version, by the way. Thousands of hours.

of extra content right now. Uh, by the. way, if you join it, we're covering the. cost. So, all you have to do is join. Hammer Elite, then go to hammer. elite.com, show your proof of purchase. there, and then I'll send you a $10. digital gift card that can be spent. anywhere in almost any country except. for like North Korea and Russia. Uh, and. yeah, join that. We have three shows. that get posted every day, Monday. through Friday. It's incredible. It's. the best YouTube membership in the. history of YouTube. YouTube has told us. that themselves. Don't miss out on that.

extra content. Hammer financial score. Spending in a budget score. I don't. know. Did you even Oh, yep. She. overspent. She brought in $2,592. and spent $4,644. Spending in a budget score 0 out of 10. What a joke. Debt. Horrendous debt. No. collections, no IRS debt. But for your. income, really bad. So, one out of 10. for your income. It's actually. horrendous. It's disgusting. It's. horrible. I don't know how you're going. to survive. I'll give you a 2 out of 10. to be generous. Emergency fund. I.

nothing in saving. 0 out of 10. Retirement. Okay, let's assess. Where do. you want to be? >> I have something in there. >> Something in there. It's not like I have. zero dollars in my retirement. I invest. 1% of my paycheck into my retirement. That's better than nothing. That's. better than nothing. >> Second, I'm doing math of where I'd want. you to be at 22. So, just shut up. Shut. the up. You're actually halfway decent. for 22 with growth if you keep putting. in. I don't know if 1%'s going to get. you there, but you're at least at a at.

22. 7 out of 10 getting started there. Real estate 0 out of 10. I didn't see an HSA. Did you blow it? Is. it gone? >> No, it technically it's an FSA. >> Hammer Financial Score rounded up and. you're lucky by that automatic. retirement contribution that you don't. have to do anything to do. So, you're. not going to it up cuz you already just. set it up and it's automatic, which you. should do for all your minimumly. payments. Hammer Financial Score rounded. up to a 2 out of 10. You don't really. deserve that, but you do get it. mathematically at least. Join us for the.

post show. Make sure you download the. Dollar Wise budgeting app if you want to. take control of your money and join. Wise. Join Dollarise Central if you want. to take all of our educational programs. for a much lower cost than purchasing. them individually. See you in the post. >> He told me that if I pegged him, he. would buy me. >> Was it stinky? >> Sometimes he wasn't really that clean, you know, like. >> was he laying down? Was he standing up? >> Um, all fours. He took back shots. Can I. pull up the picture again? >> Get in here.

>> Okay. Um, exclusive members content. Click the link in the description or pin. comment below and watch thousands of. hours of extra and uncensored content.