Most Batsh*t Crazy Woman I’ve Ever Met | Financial Audit

I actually didn't realize how bad my. debt was till I pulled everything and I. calculated it. >> How are you so off, >> girl? I'm not trying to do math here. >> You're never making progress in your. life whatsoever. >> That's why I'm like, why am I like this? >> It's your choice. >> Mhm. >> You're financially. >> classic. I think I'm hilarious. >> The tools to change your life have just. been upgraded. Download my budgeting. app, rebranded to DollarWise today and. start your free trial. Sign up for the.

annual version and I'll send you my. budget friendly cookbook that can't be. purchased anywhere else and I'll. personally sign it and mail it directly. to you. Download the Dollar Wise. budgeting app today and take advantage. of your free trial. >> Hi, I'm Char. I'm 42 years old from. Orlando, Florida. And you're watching. Financial Audit. >> Yes, you are. And thanks for coming on. over to Austin for Financial Audit. What. do you do there for a living? >> I'm an operations coordinator. Property. manager and wedding officient.

>> Is that the same job? Same place. These. are two jobs. >> So, the property manager and operations. coordinator is one job. And then I own. my own wedding officient business. >> Side hustle. >> Yeah. >> Okay. Cuz if that was big enough to be. full-time, you'd be doing that. full-time, right? If that was like the. >> Definitely not. >> Oops. >> I hit the microphone. >> Oh, okay. Sorry. >> No, it's it's okay. Okay, cool. So, the. full-time job, how much you make in. that? >> 44,000 plus sometimes bonuses. A bonus.

>> 4,000 in Florida. >> Yeah, >> Florida ain't cheap. Orlando, I don't know as much. specifically, but I know Florida is not. cheap. What hits your account on a. monthly basis from that job? Um, so I. take home after taxes 1226 every two. weeks, but I do have an extra 150 per. paycheck taken out for tax for business. taxes to offset my business taxes at the. end of the year. >> You withhold extra instead of just.

setting aside money from your business. >> Correct. If it never hits my account, >> is the money you make from business. stagnant, never going up, never going. down? Cuz how would you. >> very up and down? Then how does that. make sense to withhold from your main. paycheck. >> cuz then if I then at the end of the. year I might get a tax refund sometimes. I might owe. it offsets it. >> No, it doesn't offset it. It. >> either makes you have to pay money or. you gave the government a loan at 0%.

>> That's fine. >> Um is it when you could just be setting. >> No, cuz if I set it as. >> Are you not doing quarterly estimated. payments? >> No. >> Why? >> No. Oh, because I'm an indiv. Sorry, I. get really excited. Um, I'm a sole. proprietor, so I file my business taxes. as S corp. I think CC Corp something. >> We're corp. >> We do estimate. Are are you? >> No, I just file it maybe CC Corp. I file. as sole proprietor.

>> That's all I really know. >> You I file my taxes. That's. >> I'm thrilled. Do you work with a CPA? >> No. >> No, >> I do it on Turbo Dash. >> No way. No, you do. >> So, I don't claim a lot of stuff. >> Hold on. You must not make a lot of. money. What does the second job make? >> Sometimes I make more than my full-time. job. Um, so. >> are you risking it then, man? >> Risking what? >> The IRS coming down and busting in your.

door. But I pay my tax. Like I file I. keep a spreadsheet of all my stuff and I. save every email. I know, right? >> I'm going to get better at this. But I. have an. >> Well, that's exactly what I'm saying is. risky. >> Everything that I buy that isn't parking. >> is connected to my email. So I Yeah, cuz. parking you don't get an email. confirmation. But when I. >> literally every purchase you make in the. world outside of parking, you get an. email confirmation. >> Yeah. Yeah. you stop into.

or whatever is there. >> Business. Every time I make a business. purchase, it's always connected to my. email cuz it's like advertising or. something like that that I pay. >> You never get anything outside of that. >> Just to um. sorry, just the um. oh my gosh, parking. >> Why would you not work with a CPA? >> I mean, I guess I should. I thought. about that. >> I guess you should cuz one, they could. probably save you a lot of money and. two, they would tell you how much is a. withhold on a monthly basis so that.

you're just doing that instead of giving. the government a free loan or having to. pay more at the end of the year, which. also just gets. >> and they would probably, you know, say, uhoh, you're supposed to be paying. estimated taxes of which you might be. facing penalties that you don't know. about. I'm not sure. Depends on your. situation. So the 1226, right, that hits. Yeah. >> Is that after that extra withholding or. before? >> After. >> Okay. And that hits twice a month. essentially on average. Gotcha. Okay. So. that is $2,452. That's hard to live on in Orlando. Now.

the business you say very up and down. Give me an example of like the last. quarter. What came in Q2. What did Q2. look like? >> So. what is that. >> actually? Have we. >> March, April, May, June, April, May, June? Um Wow. Yeah, it was probably busy. then. Um. >> yeah, weddings. >> Yeah. So. >> remarried. >> Florida. It's busy. >> It's a state. >> So yeah, I don't really know. >> Oh, that all that for no answer.

>> $12,000 for 3 months. >> That's a guess. I'm assuming since. >> So listen, I require a $100 retainer and. then I get paid the balance 90 days. before the wedding. >> How do you not know what you made and. spend? >> Because I2 pull it all at the end. I. don't pull it quarterly. I pull all of. my financial transactions from like. Venmo, Cash App, >> PayPal, >> when at the end of the year. >> Yes, sir. >> This is And I have my little thing on.

like my efficient to-do process. So, like I know that I'm supposed to be. doing this, but I'm a slacker. I'm I uh. am a slacker and I work better when I. have to get it done. Trust me, I file my. taxes. >> You have to get it done on a quarterly. basis. Now, it's. >> I actually didn't know about that. I'm. going to find Yeah. Well, it's usually. based on last year's taxes, but either. way. >> Oh, okay. So, I don't know any I'm not a. business person. >> How much did you make last year in your. business as a non- business person? >> Um, like $40,000. Okay.

>> For the business. Yeah. >> Was that gross? >> Oh, that was before all my expenses. >> Good. What were your expenses last year? >> Oh, I could pull it up if you want. Probably like $27,000. 20,000. >> 20 or 27? And that's big when we're. talking. >> um 20. >> So your profit was 20. >> Sure. >> Sure. >> I have to pull it up. I don't I'm not. thinking about what I made last year all. the time. >> then. >> Well, I mean I'm going to use that as.

like this year's numbers since you can't. tell me what this year's numbers are and. I'm literally in the we're six and a. half minutes in and I am just trying to. get your income. It's going to be one of. those conversations. I see. >> I know. I'm sorry I slept. What am I. looking up? Oh, taxes. And I'm a giggler, just so you know. >> So, just because I'm giggling and. laughing doesn't mean I'm not taking it. serious cuz I'm here. >> It is one of my triggers. >> Do that. Yes. Oh, look. Here's my thing.

on how when to do what? My to-do. >> File taxes yearly. >> Her to-do list is in a Google sheet. >> Oh, sorry. It is in a Google sheet. >> Oh, >> yeah. Yeah, yeah, yeah. Okay. Oh, >> 27850. Oh, that was payments on 2023. Um, what the heck? >> Last year was 24. >> Oh, there it is. Oh, no. That was lost. revenue. >> Oh my gosh. I'm so sorry. I uh. >> Okay. >> Taxes, >> I think.

>> No, it's not. >> It's not okay. >> No, I should be a little more organized. You. know what I mean? >> Yes, preferably. >> I would suggest that. So, I don't know. I can give you the. year before. >> Why did you tell me? Let me check in. order to get my number because that's. what I'm looking. It sounded like you. were able to just go click clack and you. would be there. >> Cuz I have my tax spreadsheet and then I. click it. But I'm not income for 24 and.

what the. >> expenses before taxes 20,000. >> is your full guess. >> Yeah. What did you pay taxes on the 20? >> Oh no. Oh dude, I don't know. >> Oh my god. >> Do you want my I sit around my computer. and I could show you my whole tax. return. I don't think about like. >> how am I supposed to estimate what you. make? What can I I I can add to your. income. If this is a substantial part of. your life, what the can I add to your.

monthly average? >> Let's say I make. >> No. Why would I say let's say? Why would. I let you say let's say? That doesn't. make any sense. >> $3,000 a month. >> after taxes. Expenses with like I'm. confused. What? >> Before taxes. I mean before expenses, before taxes. >> Before expenses. And your expenses seem. to be 50%. >> Sure. >> Sure. >> I don't know. >> But that's what you're saying for last. year. That's what you're saying for last.

year. >> I'm dying over here. >> No, don't. No. This is a pretty basic. question. You're a business owner. >> Oh. Oh, I know. That's why I'm like, why. am I like this? >> This. But it's your choice. >> Yeah. That's why I'm wondering why I'm. like this. Cuz why am I choosing this. for my life? >> No. Actually, >> can you try to answer that for me? >> I'm opening my eyes as to what I need to. do cuz I'm not a business person. >> You literally are. I mean, you're in. it's the same income as your other job.

>> I am currently a business person, but. I'm not businessminded. Like, I'm not. looking. What does that mean to you? >> Like I'm not focused on making the most. and like I don't want five me. It's not about making more. I'm asking. what you make. So, I'm pretty sure when. I filed my taxes in April, because I do. wait till the last minute, I.

probably probably. brought in like $40,000 before taxes. >> Yeah, we got that part. >> and fees. So, I'm estimating after. But. then, cuz you have mileage. reimbursement, it's like a whole thing. Yes. Yes, it is. >> Yeah. Do you want me to pull up my tax. return? >> Oh my. Yeah, I think so. >> Sure. I don't know why you didn't just. do that.

>> because. I'm all over the place here. Oh, I got. emails for weddings. I might have to. answer those. Classic. I think I'm hilarious. >> I know, right? Jeez. What's her problem? Okay. So, I might not be able to pull. >> You know, I'm just dealing with a quirky. millennial again, I think. >> And I got in trouble in the comments. last time that I didn't like that. >> I'm an elder millennial, too, so that's. even worse.

>> Um, yeah, I don't have it. Let's just say I. don't have it. I'm sorry, guys. I'm looking. I'm. looking. >> I don't know what to do with you. >> I looked up taxes in both of my emails. Help me. >> That's it. IRS perhaps. Maybe search IRS. >> Damn it. >> IRS. Search IRS. Turboax. >> Yeah, Turboax. >> Yeah, search the platform you use. >> I'm telling you, if I had my computer, it's all on there. >> That's great. But this is your email's.

the same. >> Oh, here. Look. Ooh la la. Okay, that's. French. Hold on. Waiting for a confirmation. text. Okay. >> Okay. Oh my god, I'm so excited to. finally pull this up. >> Let's hope that I was right on. I know. I'm so sorry. >> This is going to be a 14-hour podcast. >> I'm here for the long haul. Okay, downloading my return.

With you staring at me, it doesn't help. >> I can look over here. >> Oh, wait. That's not it either. I got my. tax return up. I'm just looking for the. financial information on it. >> If you just give me the phone, I could. probably. >> Oh, yeah. Oh, here it is. There it is. I. scrolled for you. My screen might be a. little dark. One year I made almost $100,000. >> No, no, no, no, no, no, no.

>> No. This is. >> What happened? What happened? >> Hold on, hold on, hold on. I think she's. literally Okay. >> Um, did I mess up my taxes? >> Maybe. >> Oh, god. I heard you can write things off, but I. don't. Like I know a DJ that wrote off a. watch because No, I don't write anything. like that off. Just my. >> I don't even want you to think about. write out you write off is I don't do. that unless I'm traveling for a wedding. >> Okay. I want to be very clear. So far, all I'm seeing is here is your $44,000.

of your W2 income. >> Well, maybe it's at the bottom. No, I. definitely filed my business taxes on. that. I certainly hope so because. additional income is listed as $1,300. >> Uh I will keep going. >> Well, maybe that was after. >> Okay, so here we go. W244, >> $388. >> What's the 388? >> Your income from your business. >> for one month. >> No, wait, hold on. But why is that under.

Oh, hold on. Gross income for sale. Okay. Wait. Okay. Um. for W2 instead of. No, this is your. business. Why am I saying W2? >> Cool. You scared me. >> Well, you scared me. >> cuz I know I file my business. >> Yeah, but hold on. No, no, but this is. what's crazy is like, okay, let's. pretend this is your business. And if.

you had $20,000 of valid business. expenses, all you did was you didn't. There's no expenses. claimed. You're just throwing in the. Wait, >> no, there's. What's up? >> I do believe she claimed uh 44 uh. $42,000 of expenses as net profit is. listed as $1,369. $43,000 in Oh, maybe that includes.

mileage cuz I drive like 20,000 miles a. uh. >> $43,000. expensive. audit comes. >> Uh. >> there's no way. >> Qualified business income $1,272. after everything. >> Can I see that? >> Wait a moment. I'm going through a lot. here.

That's where my spreadsheet comes in. handy, too, though, because I know how. much expenses based on the spreadsheet. >> Spreadsheet. >> I know. Well, I don't I didn't see it in. my. Google Drive cuz I use Google Drive for. everything. >> All right. I mean, so for all my. business that I have. >> total profit of $1,300. So great. Um, that means you make um.

45,500. a year. I don't think you had to pay more on. that. And you probably got a sub. Did. you get a refund for last year? >> Um, yeah, it was like $1,500. >> Yeah, I'm sure it was. There it is. And then the year before I. owed some monies. This. >> is crazy. Using the 2025 IRS standard. mileage rate, 20,000 mile reimbursement. for business purposes would be about. $14,000, which you add that to your 20.

and then you add even more to it, >> your business makes no money. How much time do you spend on your. business? >> Um, so. >> because to be very clear, it is a break. even hobby. Yeah. Well, I mean, >> unfortunately, where you suggested I. love it. >> I don't care. I get more [ __ ] in. Fortnite than you do. >> That's wonderful. Uhhuh. You don't make. much money for Central for Florida.

>> and you're on the show, meaning you're. likely in a lot of debt. >> Yes. >> Uh so whether that that's an option in. the end, I no longer know. How much do. you spend on this hobby? Well, apparently 40 something thousand in. expenses, but I didn't know that. >> Oh, time. Sorry. Um, [Music]. >> like, so every wedding would be 3 hours. including commute. So like 45 minutes.

there, 45 minutes back, an hour and a. half at the wedding. >> Big math. I don't know how many weddings. exist per week or month. So how much. time are we spending on this job that is. your business? >> A month, a week, a day. Oh my gosh. Like. what are you looking. >> average? Please, how much time? Which. goes into planning and and everything? Yes. How much? >> 25 hours. If I have x amount of. weddings, seven or eight weddings. >> 25 hours a week.

>> What are you making? 1,300. >> Great. You're making a dollar an hour. >> on average. >> I'm rich. >> That's okay. Great. Yeah, it's I'm I'm. glad you can be quirky about it, but um. yeah, you're financially because you. wouldn't be on the show. I don't know. your finances yet, but you wouldn't be. on the show if you weren't. To make $1. an hour, 25 hours a week, I don't think. is the best use of our time as much as. you love it. >> I love it. >> A Filipino sweat shop would make more.

money. >> I don't love that. >> No, none of us do. And it wouldn't be as. fun, but you would make more money doing. anything except for working in prison. Mhm. >> Why the are we spending so much time. doing this, dude, when you're in a death. position? >> I'm really good at it. >> Okay. >> Have you checked out my reviews? >> No, but it's clearly not resulting in. you making a living. >> So, if I did if I changed a few things, I could definitely make more. >> What? Since I said that I'm not like a.

business person, I haven't really duded. it. >> Listen, I can't even add that to your. income. You make 2,452. That's insane. >> Oh, yeah. Yeah, yeah, yeah. Sorry, I was. not sure where you were getting that. number, but I know what you mean now. >> What do you mean? That's the number you. gave me. >> Yeah. No, you were talk So, one minute. we were talking about the business, but. then you had brought up my full-time job. pay, so it just threw me off for a. minute. Uh, dude, you're I mean the per.

capita income. net net in Orlando, by the way. Hold on. But then the metro, so this is a census. reporter. has it at $3,000 a month. you're under. the. per capita net income, but then actually. in the entire metro. in 2023. was 57,000. But you're you make nothing.

>> Yeah, that's why I'm here. >> You're dying. >> Yeah. >> That's why I'm. income isn't a that's why I'm here. situation. >> No. >> So, what are we what are we doing? What. is going on in your life? What is going. on? What are we talking about today? Because 20 minutes to establish. what you make in your area. By the way, >> if I I didn't know I record, but it's. >> Yeah, I would have had the information. ready. I just honestly didn't know that.

you would need be asking that or I. totally would have had seen the show. >> I actually watch it all the time. >> Are you broken then? Because you know. that is the literal first question I. asked. >> Yes. But I thought you had it in my. financial statements that I sent to you. uh not in terms of averages and stuff, but it's also a very good question and. exercise to see if you even know what. you make clearly. >> Do you know what you spend? >> A lot. >> Wonderful. Let's try that in a financial. credit card. I spent a lot. But it was. my average way.

>> Yeah. >> Yeah. >> Yeah. >> What do you think you spent last month? >> A month. Okay. >> Last month. >> like on rent, all my bills, everything. >> All everything together. And for what. it's worth, again, if we do all. businesses, all business before. expenses, so included your business. expenses in the expenses, but all. business income before expenses and your. regular income was. >> $7500. >> $7,000 $7,579.83. was your income,

>> girl. What was your. >> Oh, no. Oh, that's what I thought I. spent. Damn it. >> Oh, no. That was your income, girl. >> That was. I don't know. Yeah, when you answered a. different question, you got it right. somehow. >> I know. Isn't that weird? >> What was your out? >> It's like I'm psychic. >> What went out? >> Um 70 or $8,500. >> Very good. So, more. >> Yeah, more. I probably spent more than I. brought in. >> Okay. Well, it was $9,684. So, >> Oh, dang. Oh, dang it. How did I spend.

$900 $9,000? I mean, >> well, that's. here's the thing. Clearly, it's debt or else you wouldn't. be here honestly because you are. required to have debt in order to be on. the show and that is what must be. supplementing this. I see no other way. What is your life? What like what is. going on? Please tell me tell me just. like what is going on? We answered the. income now. Just tell me what's going. on. All right, let's be real. Credit.

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>> What is this? >> You'll find that out. >> You tithe 10% to your dad. >> So you allow people to tithe to their. church. So therefore, >> I allow people to. >> Yeah. when you do their budget at the. end of the show. >> because you can't change someone's. religion. And also that's happened like. five times on this show's history in. three years uploading three episodes. Okay. Super fan. Yay. >> I super fan. >> If you seen that episode. >> Yeah, I did. I like I don't even know. what episode that is. So you know more. about financial audit than me. But.

either way, yes, because I can't change. someone's religion. That's just deep in. their bones, man. So no sh I can't take. that away. But what how does that what. is your dad your religion? >> No. But like although I am in financial. crisis, I feel like. he um. he needs the money more than I do. I. mean I need the money. But he needs. money. No. But. >> what? What? What? Huh? Why does he need.

more money more than you do? What? >> Explain this logic here. 10%. You give a. 10% dad tax. >> It's not like it's mandatory. I do it. when I can. >> But you do it without. >> You wouldn't be able to do it because. everything should be going towards debt. Do you have a fully funed emergency. fund? >> I have like $8,000 $9,000. >> No, you don't. >> Yes, I do. >> No. No, you do not have my savings. I. have 4,000 3,000.

>> I have your I don't think you know what. you're talking about. >> What are you talking about? I can pull. up my Chase account taste account. >> That wouldn't make any sense cuz you. also, by the way, bad debt alone. $50,000. Other debt which are 0%. currently or just 7,000. So, we're at a. total of $55,722.34. Let's say you had $8,000 in there. You. don't, >> by the way. Let's say, why the would. that not be going to the 30% debt that. is accumulating when you have $55,000 of. debt?

>> I was going to ask you how I should. spend that money. If I should spend that. money, how much spend that money? Great. Okay. So, if you have that much debt, why are you giving your dad 10%. >> Well, I mean, I just send him $50 every. week if I can. >> What is this 10% then? You said you said. you told Lindsay you tied 10% to your. dad. It's 10% of um the 2500 I bring. home from my office job. >> to your dad. >> You said you send him 50 here and there. What? What's true? See see this is why. this is again why I don't believe your.

savings thing. What's true. >> when I can recently I didn't I haven't. this 10% thing cuz then it's in my. budget. >> 10% would be $240. So, it's approximately 10%. 8%. Can I. tithe 8%. >> I'm not a math person. >> 8%. >> Girl, I don't know. I'm not trying to do.

math here. I'm just saying. >> this again. Why? Why? Why would I listen. to you when it comes to what numbers. are? >> I'm not trying to teach you anything. >> Not teach. I'm just trying to get. answers to your questions. What do you. mean teach? There's no teach. I wouldn't. go to you for teaching for anything. I. don't know what you're talking about, man. I am the worst. In case you didn't. know, >> I don't know, but I hope that's not the. case. >> Yeah, me either. >> Yeah, you do 12 to 15 weddings a month. with that amount of time, 170 weddings a.

year, with that amount of time, the. income you could be going and making and. paying off all this debt. Because. really, if we're being honest with just. how money is transferring around and. translating. this essentially means you are. subsidizing you spending your time going. and doing all these weddings by building. up your debt. Cuz by the way, uh another. reason why I don't believe in the. savings thing, uh remember when you. spent $2,000 more than you made last. month. Like this isn't lining up. You.

are subsidizing you wanting and going to. do this hobby when you should instead be. working more and that would at least pay. your bills. But instead of doing that, you are just accumulating debt to. subsidize your business hobby. >> Can I pull up my savings for you? This. is bothering me. >> I have it. Shut the. >> W you see my account. >> Stop. I have it here. >> You clearly don't or you would see where. I have the money. >> I hate you. No, I don't. I don't hate.

you. But that's very annoying. I hate. that moment. >> cuz I literally have the documents in. front of me. Can you let me go through. them? You know, the show that you've. seen a thousand times. >> You're calling me a liar, though. And. I'm not a liar. >> I have this. >> I might not know things. >> It's ignorance. It's ignorance. It is. ignorance, but it's not. Why are you. here? Why are you here? >> I'm here to marry you, Caleb. That's why. I need my chance. >> What the? >> You and your boo. I'm gonna marry you. and your boo.

>> You're like 35. >> I'm 30. >> 12 years. >> We could be booze in another lifetime. >> Lady, >> you could help me financially. You could. pay half my rent. I'm just kidding. Um, but I really would. love to marry you and your boo when you. get married and propose. >> Oh, you okay? >> I'm never getting married. What are you. talking about, Willis? No, I will not. marry you, Caleb. >> By choice. >> Thank you. Yeah, by choice. It's good. I.

love other people's marriages and I love. doing weddings and everything, but I. feel like it might not just be for me. I'm good. >> You just wanted to You can have a go. solo if you want. >> Yeah, I do solo everything. Um, but you can have commitments. for sure. >> Okay. Well, I mean, maybe if we get. there, I'll talk to you. >> It's very peaceful. >> Since I know you charge not enough. >> Yeah, I'm free. >> Oh, that should be good. Oh, you're. free. >> Yep.

>> All right. >> I don't charge people that I know. Like. when vendors want me to do their. wedding. >> Yep. You do this as a hobby and you're. going to subsidize it. I know you love. it and you also love that. >> Explain that enough. >> You don't have to. I know you like it. That's not something you have to defend. It is actually very clear in your. actions through subsidizing it through. debt that you love it. I'm saying that. might not that's one not sustainable for. sure. Especially since you don't have a. dual income household situation, whatever. That's what you choose. That's. okay. I'm not judging it. But this means. you have to take more responsibility on. your own cuz it's all on you and said.

you're justing it up. So it's not about. you loving it and not loving it. I. >> think I'm going to get a CPA. Yes, at a minimum would be nice. >> cuz what you might be doing that. >> well your taxes might be illegal. >> No, I mean I hope not. >> No, you can claim anything and. everything on Turbo Tax. It doesn't mean. it's real. >> But I only claim stuff that I like. business. >> Not everything's a write off. Not. everything's deductible the way you. think. The way everyone thinks yes, got. it. >> You will get destroyed if the IRS.

decides to ever. >> better get my stuff in order then. >> I agree. You might have to. It's all in. my email. >> You might have to re amend some of those. taxes, but we'll see. Okay, that's fine. Where do you think your finances land? 0. to 10. Zero being the worst, 10 being. the best. >> 2.4. I took it three times. >> Okay, very good. And what she took was. the hammer financial score of which you. can take for free. See where you stand. in the world of finances. See where. you're doing great. See where you need. to improve and see if you're just doing.

average. Take the assessment. It is free. at calebmer.com. And don't forget to sign up for the. dollar wise budgeting app if you don't. want to be like a guest who ends up on. the show. If you like it, sign up for. the annual version to save a lot of. money. And there you will also get our. budget friendly cookbook signed by me. mailed directly to you. And you can also. bundle it with all of our educational. products allinone for 80% off by joining. the topend service dollar central. Check. it out. Tens of thousands of people have. changed their lives. Dollarwise.com. >> All right, time to get into these.

documents cuz there are a lot. What the. are you saying when I'm talking? >> Sorry. Oh sh the coffee is kicking in. for you. I could tell by your fast. talking. That's all. I will shut my. mouth. >> Well, no, it's okay. I just didn't know. what you were saying because I was. talking. >> I know. I'm sorry. >> Okay. Uh oh, city strata premiere. I. don't know the strata premiere. I've. never done the strata premiere. >> Is this also a fat stack? Maybe we're. doing another fast stack week. This is. crazy. >> It's all one card. >> Ton this is not all one card, but this.

is crazy. This is a ton of paperwork. going to be here for a thousand years. City strata, what is this? >> Ladies and gentlemen, a financial audit. This is one of the most exciting moments. in this channel's history. You know, I've been working on building all these. educational tools, our budgeting app, all this crazy stuff over this past year. cuz that is where my passion is. We. finally did it and now we put it all. into one program called Dollar Wise. Central. You get the premium version of. my budgeting app. You get the cookbook.

mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the. advanced stuff, collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? If you are struggling or you want to. learn more or you want to change your. life in any way whatsoever, like literal. tens of thousands of people have done. with our programs, go to dollarwise.com.

Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time. This is a no-brainer. dollar.com. Let's. go. >> It's a credit card. >> I know what the you're using it for. What is going on with this card? >> Um, >> girl, you've seen the show. back card. I. currently don't use it for anything. I. did put two balance transfers. Well, technically three, but when it was paid. off. So, right now there's one on that. statement.

>> What do you mean? >> Like that $3,000 that you see is a. previous balance transfer that's at 0%. till January 2026. >> Okay. Well, interest is acrewing on. here. >> Is it? >> Yes. Oh, >> how much for that month? >> Four $5. >> Oh, >> so it's from a previous one where the 0%. must have ended. >> You owe $3,254.95.

>> Yes. >> Okay. How long does this take to pay off if. you do minimum monthly payments only? Oh, >> without purchasing anything, which. historically you're likely incapable of. knowing how much you spend money, but. yeah, let's see. >> 11 years. >> Is that the quirky millennial [ __ ]. >> I don't know. So therefore, >> listen, again, she's lovely just like. the other person that was the quirky. millennial [ __ ] I got called out.

for being mean to that person. But you. have no idea if you're just trying to. have a conversation on this show and. they're bringing in their quirky. millennial [ __ ] It is very. obnoxious on this side of the table. Just because it's interesting to see as. the audience doesn't mean I have to. enjoy it. >> How many years lady? >> Okay, so let's see. 3200. divided by minimum payment x. 4.

Hold on. For real though, like 10 years. >> 12 close. >> I want to fact check your spending. pull. up the statement on your phone. The. current what what it shows right now. Like I would even I even believe that. you're. >> listen I'm not lying. You act like I'm. lying about. >> lying out of intention. I don't know but. ignorance throughout this everything. I've picked up in the what 35 minutes. we've been filming. Yeah.

>> Okay. This is this city strata. >> I know because I did a balanced transfer. offer. >> Another one. Another a separate one. >> $7,000. >> Yeah, cuz I did a balanced transfer. offer. >> So, this is new. >> Yes. >> And it's like 0%. >> The debt's worse. The debt is worse. >> It is. But it was moved from one card to. another. >> Great. Which opened up the ability to. spend on that card?

>> No. >> Yes. >> Because it's paid off. >> No. No. I'm not transferred off. You. Sorry. >> Oh, yeah. Yeah. Yeah, it's at zero. That's Yeah. >> Yes. But then all of a sudden it gives. you the ability to purchase. when you don't have money because you. spend more than you make. Oh my Oh jeez. >> I've been trying not to use the cards. that are very helpful. I'm I'm thrilled. that you're trying not to. Spends $2,000. more than she makes. >> Used to be no longer $3,254. It is actually at $6,96459,

which by the way is only $500 from the. limit. >> Yeah. And they keep sending me balance. transfer offers. I'm like, dude, I have. no monies. I cannot do another one. >> Oh my. Okay. Oh jeez. Millennial. Millennial. Millennial. Millennial. >> What are you? Are you a millennial. >> by a year? I'm the last. The last millennial. >> I am the final millennial. But it's not. like it's just the problem. >> No, no, no, no, no, no. I don't even do. the gender [ __ ] cuz the gender.

bullshit's nothing. There's nothing. scientific. There's nothing whatever. We. just as humans we love to categorize. things. I'm more of the belief you're. you're not aligned with your generation. You're aligned with people 10 years. older than you, 10 years younger than. you. Those are the people you're similar. to. Those are the people that you grew. up cultural wise. Other than that, it. doesn't matter. And uh clearly, you. know, you are outside of that range. >> And but either way, just the. stereotypes, you were doing the full. stereotypes. What is the normal minimum. monthly payment now? >> Pardon me. >> What's the average monthly payment?

>> No. What is the normal minimum monthly. payment now that the balance is gone? like $75 a month. >> Okay, so it's gone from 41 to 75. Very. good. Take your phone. >> I don't want to catch the millennial. disease. >> I know. Cooties, girl. Cooties. >> Can I pull up my bank account for you? >> No. No. No. Stop. We will get there. >> I'm obsessed at this point. Can't think. past it.

>> Stop. Please. First of all, $270 of fees this year so. far, which is now probably $500 because. of your other new balance transfer. Uh, interest is never recurring. Yeah. $269.70. of interest this year. Great. That is. occurring from only a $27,845. balance. That was. a separate balance transfer offer. >> Yeah. >> Okay. And by the way, it's just two.

months. two months and the $3,78. from the past month, not even your new. month, is when that that starts acing. interest. So that'll start accuring. interest in two months. >> Yes. >> Actually, from this exact date, less. than two months. Great. And then with. what you just put on is probably coming. up in like what 6 months, 3 months, four. months, I don't know. So this is it's. not like this is great. You're certainly. not paying this off with the way you. spend money, the way you live your life, the way you subsidize yourself on debt. You are not paying this off by the time.

it starts acrewing interest. There's no. way. >> Yeah, >> less than two months. Good luck. What. was your plan with this card? What was. your grand plan? >> Probably do another balance transfer. offer. >> and tell how long that's not possible. >> Yeah, I know that's. >> and then what? >> You're endless. kick the count down the. road and let fees and interest acrew. over time because even if your balance. transferring before interest acrews in. less than two months, you're still. getting these $250 fees every time. you're hitting these things. So, you're. just getting that every few months. So,

no matter what, I mean, it's like you're. acrewing interest regardless with how. often you're doing it. So, this this. doesn't make financial sense and your. debt is getting worse and you're doing. nothing to even pay it off. This makes. no sense to me. >> Yeah. Yeah, I mean I'm being told then. just you you've done it two times with a. certain debt alone just like boom boom. boom and now you're doing it a third. time and you're about to do it a fourth. time. This is just insane. You're not a. credit card person. Why do you use. credit cards? >> Um so. >> you can't manage them to save your life.

>> The problem is. like I got my first credit card when I. was like 20 years old. So. >> later than most at 18. >> No, I know. Yeah. It was one of those. cards where you like it was secure. >> Why are you using them today? Yeah, I'm. telling you. So, basically from that age. to like my late 30s, I was a credit card. person. All of my credit cards when I. put money on them, I would pay it down. and whatever. >> Yeah. Yeah. Yeah. Yeah. So, what had.

happened was. I went on a trip to Africa. At the time, I could afford it. >> Your ginger ass can't handle that sun. >> It was great. I went in the winter, so. technically it was our summer, but it. was their winter. So, South Africa. >> No, I went to Tanzania. It's beautiful. You should go. You. should take your boo there. She would. love it. I stayed in a treehouse on my. birthday. >> I like houses on the ground. >> Yeah, it was great though. And they had.

an outdoor shower. It was super cool. >> Very. >> solar powered hot water. Yeah, it was. neat. No, they had indoor shower, too. Um, so anyway, I bought this freaking. Safari. And then at the time I had zero. car payment. I had my car paid off that. I paid off in like two years. I was so. proud of myself because back then I had. more money and my rent was like $1,100. back then. So then I got in a car.

accident. So I had a car payment. So. then that reduced some of the money I. was bringing in or you know more money. going out. >> I believe they call Orlando the Tanzania. of Florida. >> It is. There's freaking giraffes. everywhere and alligators. except Tanzania has crocodiles. Lol. Okay. Anyway, I forgot I'm quirky. millennial. That's what I'm going to dress up for is. Halloween. It's quirky, but it's going. to look like you.

>> Sorry. So, anyway, I used to be a credit. card person. I used to pay him off all. the time. I got into my safari debt. I saw all the freaking I don't I don't. give a. >> Okay, I'm sorry. You keep um No, >> you're blaming a safari. >> Yeah. >> For this for $55,000 of debt, which is. now higher. >> So, credit card and loan debt is like. what? $26,000. And then my car payment. is the other $24,000, right?

>> You got more on credit. >> No, sorry. I thought you were. >> away. Ah, >> don't get violated. >> Oh, yeah. Stop touching my dude. >> Just like my mom. I'm telling you. >> Yeah. It's almost like you should have. learned your lesson. >> I didn't. I'm even worse now. Thanks, Mom. >> Okay. So, you did not answer my question. by any means, Grace. Okay. Wonderful. >> Oh, no. Yeah. So, I used to be a credit. card person. I used to pay it down. I. did this trip. Then I my freaking engine. blew. So, I had to get another car. I.

bought this Honda CRV that I love and. it's beautiful and amazing. And so my. car payment went up like double. Then my. landlord wouldn't fix my toilet and I'm. living like white trash over here in. this apartment. So I got a house to live. in. And so now it's all over the place. Like I have all my fast excuses are. these. >> Oh yeah. Oh no. It's not an excuse. This. is the reason. because I spend and I'm not able to pay. it off. You're not a credit card person.

Use the Fizz card. Debit card that. builds credit. >> Got it. >> And if you also decide to ever get a job. that makes money. >> No. >> Um, >> no thank you. >> Then I will gift you a course career. certification. >> Oh, I'll do that. Yeah, I wanted to do. accounting. I was looking at it the. other day. >> Do accounting. I'll get you it for free. >> Yes. >> Okay. Yeah. So, all that interest is. about to start acrewing like crazy. Balance is higher than if the statements. you sent in. So, that's wonderful. Okay. Capital One Venture. What's going on. here, lady? I got a lot of autopays on that. So, I.

pay my insurance. >> $1,391.68. of autopays. >> I mean, maybe. >> cuz that was the purchases you did. >> Yeah. >> Which, by the way, is substantially more. than you put towards the card in terms. of any kind of payment. Oh, it's maxed. out. That's wonderful. Well done. $298. of interest acrewing. She looks confused. that I say maxed out. You're right. Technically, there's a $30 thing on. there. You could go to McDonald's one. and a half times. >> I just didn't Oh, yeah. My Capital One. Yeah, yeah, yeah, yeah, yeah. That is. Sorry, I get my credit cards confused.

cuz I got a lot. >> Yep. We really trust the savings thing. You're really adamant about $4,957.82. is the balance is the minimum monthly. payment of $78. So, what's actually. going on with this? It's not just. minimum monthly payments. There's no. way. Unless your minimum monthly. payments are insane. Your auto payments. are. >> $4,100. is a balance transfer offer. Yes, I'm. the queen, >> dude. >> For 9 months. >> Doesn't make sense. You're just you're. never making progress in your life. whatsoever.

>> No. Legitimately, >> you're okay with that? >> No. >> Then why do you do it? Cuz you're doing. it. You're choosing to do it. You just. did it. I just saw your phone since you. sent the statements and you've literally. done it. >> So, I actually didn't realize how bad my. debt was until I Yeah. Until I pulled. everything and I calculated it. thought it was like to be honest like. 12,000 or less debt of of credit of bad. credit card debt. >> Wow. How are you so off? How are you so. off? >> Well, the bad credit card debt's like.

$21,000, right? So off. >> cuz I just it was like I was blind to. it. It was like I go online and I see my. accounts and I pay off my accounts and. stuff or not pay them off but I pay. towards my accounts but. I just wasn't it was like I wasn't. taking it in. the credit card debt that. you then transfer on European trips, Amsterdam, Paris, Dublin, and then your. your stupid African trip a couple years. ago. This is just crazy. You're. traveling endlessly. How often are you.

traveling? And then you spend it all on. a card. Let it sit there. Don't do. anything other than the minimum payment. until the interest starts to occur and. then you transfer it. We just do that. over and over again until you can't. >> Yes, that is the goal. >> That's the goal. I thought you said you. didn't like it. >> I don't. I was. Then why do you do it? You have not answered that question. Why. do you do it? All right, listen here. Financial audit. I've curated the exact. resources and tools I personally use or. would use if I was in certain. situations. So, take advantage of these.

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Hammer financial score and see where you. stand in the world of finances. Take the. assessment at calehammer.com. You will. not regret any of these change your life. today. >> Cuz in the moment it. instead of paying that $60 a month for. month after month, you do the balance. transfer offer and it's like 1% transfer. fee. So you pay like $200. >> That's insane though. >> Well, you pay the 200 and then if you.

If you have four months. Okay. I was. >> You don't pay it off in time for any. kind of benefit. >> Oh, I see what you mean. Yes. Yes. Yes. Yes. >> What do you mean? What? What else would. I Okay, fine. No, no, no, no, no, no. So, listen. You literally just did this. before coming on the show. You took that. action. >> Yes. >> Walk me through that moment. >> Oh, wait. What did I do before we came. on? >> No, you just transferred to the previous. card. You tit listen, you just transferred. because remember I had a balance of. 3,000. >> I'm so sorry. I thought you were talking.

about the Capital One. We're all over. the place here and I'm already all over. the place. >> So, walk me through it. You made that. decision to just do that before coming. on the show where you knew you'd be. called out for it even though you. yourself are saying you do not like. doing it and you do not want to do it. >> It's a necessary evil at this point cuz. I've gotten in the cycle. So, I'm cycling through it. I'm an. experienced person and I grew up. Jehovah's Witness. I was in a cult. Now.

I'm out. White trash Jehovah's Witness cult. I've. succeeded. >> Oh, >> I mean, >> I don't have any broken down cars in my. yard. >> Oh, >> do you? >> No. >> Good. Don't you hate when people park up. by their front door like in their yard? It's a Florida thing. >> Very weird. I don't live in those areas. >> The old apartment I lived in, that's the. kind of area it was in. >> Yes. >> Very good.

>> Slum Lords, >> right? >> Yeah. It's good. >> Oh, this is where you learn your tax. strategy from your dad. Your dad's never. paid taxes because he's Jehovah's. Witness. >> No, I mean, I don't think they. correlate. I think he just didn't pay. tax. >> That's what was just typed to me. >> Oh. I mean, I think it's two separate. things. >> He's never paid his taxes. >> As far as I know, he didn't. >> I know you're in chat. >> Oh, wait a second. I know that he did. because he worked for Disney like. helping build 20,000 20,000 leagues. under the sea. So, back in the day,

maybe he did. But as far as I know, when. he had his own business, like growing. up, as far as I know, he did not pay. taxes cuz when I went to go sign up for. college, they need your parents' tax. return. So that's when I learned cuz my. mom never had a job where she could pay. taxes. It was always like under the. table kind of thing. So I've. I learned from them to file my taxes. I. know that it's super important. >> Okay. Gotcha. Let's see. Your purchases.

that were done on here are auto renews. >> Oh, you're going to love this. It's. going to be great. >> I'm sure I will. I'm so excited. PayPal. and Hulu. Paramount. What the Why are. you getting Paramount, dude? Boxy, Charm, Bipsy, >> Ipsy, >> Gray, Ride, Paris, Microsoft 365. That's. fine. Little Caesars. Lots of Uber trips. in here. Universal Orlando. Universal. Orlando for $734.

Sunpass. Sun pass. Where do you go to. Universal for $734? You live there. How. much you need to do that, you pet? It's. for Halloween Horror Nights, which is a. must. >> What? >> It's a must. I must see you in the fog. Don't go alone. Except I go alone. >> I don't know what you're saying. >> Taglines from Halloween Horror Nights. >> Oh, you're terminally online, aren't. you? Because you're so alone. >> Yeah, >> I hear it. >> Mhm.

I'm online watching this show. >> Well, thank you. I appreciate it. Listen, again, that's nothing nothing's. wrong with being alone. Alone. Alone's. great if you just. >> I love it. It's. >> everyone's journey is their own. I. support everyone's choice to do whatever. they want to do. It's not bad. It's not. sad. I don't give a you live your life. But I can tell through your language. that you do not spend a single second. not in front of a screen. >> I mean, >> except for Halloween where you spent. $800. >> I watch a lot of YouTube like true crime. videos. So, I'm always on YouTube.

>> World Market and there's Premium. Yes, she is. and Miller sale house forer. >> Miller's ale house. It was foods. >> Great. So just [ __ ] [ __ ]. [ __ ] all day. There's your $255 of. fees because of your transfer at one. point at some point this year and then. $46.95 of interest. >> Oh, and little sis. I don't know if I. said that. >> What? What was the last thing? >> Okay. Not important. I've already been. three times and it's magnificent.

It's a pass. Then. >> you've been get out of debt instead. >> I. >> You want to stop the transfers? M. Maybe. I mean, what do you mean maybe? >> I can't fight you. >> Huh? >> I said I can't fight you. Yeah. >> Yeah. Cuz that's the most basic ass. thing you could do. Don't spend $700 you. don't have. What was it? Yeah. $750 you. don't have. You'll spend money there. You'll get food. You'll get drink. >> No, I don't spend way. I buy candy. So,

I'll buy like $3 or $4 worth of the bulk. candy. Their food's not really worth it. to be honest with you. >> No, it's not. But neither is going when. you've already been and you have debt. that is acrewing at 30% interest. Then a. lot of more debts are going to be start. acrewing at 30% interest starting in. literally just like a few weeks from. now. >> November 1st. >> November 1st. Spooky season will be done. >> I know. But. >> yours will just be starting. >> I'll be sad. Wamp wamp.

>> And she's. >> Oh no. >> Throwing out wamp wamps. >> Wamp wamp. That's my life. >> Motto. My theme song. >> I'm going to die. >> My theme song after filming an episode. like that. Sounds like a trigger being. pulled. Affirm. >> Gun jokes in Texas. W. We got him in. Florida, dude. >> Yeah. Yeah. Yeah. Yeah. I ain't hating. >> Oh, good. We owe $500 on some affirm, but it started at 6,000. What was the.

near my plastic surgery? What did you. get? You look your age. What's been. done? >> Maybe I had a facelift. >> No, don't make a joke. Um, >> I didn't want you to be like, clearly. you didn't or you're ugly or whatever. >> No, you just literally look your age. So, I'm like, what what happened? >> Um, so I got a tummy tuck. skipped my. yearly vacation last year and I got a. tummy tuck in December. >> Is that Is that the skin removal? >> Mhm. >> So you lost weight.

>> I was. not recently. >> Well, a long time ago and you just had. skin flapping around. >> Yeah. Yeah. Yeah. Yeah. And it was. really flapping skin. Okay. >> Flappies. My flaps were flapping. >> Oh, >> I know. I shouldn't have said that. And. I know that can be the. >> age again. Age gap. Listen. Age gap. >> Wow. >> I I'll do 10 years. >> Oh, I'll say um with the tummy tuck the.

So, not only did it make my stomach look. and I just feel so much better about. myself even though I'm like the only one. that. >> was 20,000 or $6,000. >> You're not out there? >> No, I don't date. No, I'm good. When was. the last time you've been with someone? >> Ew. Like three years ago. Desperation or. just like let's try to live like. >> I guess it was desperation. Let's call. it that. >> Why did you do it? >> It was the long such an interesting. curious. >> We can save it for the after show if you. want. >> It's a story I told her. Did I tell you?

No. I think I told another girl. I've. been telling people. >> I think all gingers look. >> People need to know. No. I just was. telling somebody today, so I just. thought it was her. >> No. Oh my god. No, I'm good. >> You have not met a person in 3 years. >> 11. I've been single for 11 years. And I. met one person 3 years ago and then. >> this is a finance show. So, we're going. to talk about our sex life.

>> What made that happen? >> It was the Long Con. So, we were friends. for years. >> Was it Mickey? >> And then he got a divorce. Mickey Mouse. >> Oh, you a friend? He we were hanging out together for. months and then. >> was it a one-time? >> No, we started hooking up. >> Technically I did. >> Wa. So 7 years of dry spell were like. >> nine years at that time. >> Yikes.

>> And he totally took advantage and really. screwed me over like crazy. >> What does that even mean? >> What it was screwing over? You you were. just. >> I think we should save this for the. after show. We'll save this for the post. show is what it's called. Okay, sorry. If you want the rest of the tea, we'll. save it for the after show. >> It's a good one. It's a good one. >> I hope so. >> Unlike my credit card debt. >> Okay. Well, >> but real quick with the tummy tuck. So, although I look and I feel so much. better,

>> um I've always had back problems, like. very bad back problems. cuz I have like. a L3, whatever the hell. >> Since they stitch up your abs when they. do the tummy tuck, >> I haven't had back pain in 8 months. I. had wonderful. It's amazing. Yeah, it. was debilitating. >> Yeah. Yeah. >> Yeah. It was crazy. So, yeah, I feel. better. >> Can't get your back blown out when it's. already blown out, right? >> Lol. That was true. >> All right. Drop Drop in literal verbal.

lols. Okay. So, technically the tummy tuck was. 10,000 all in all, including after care, post massages, and undergarments. >> Since we're both millennials, let me DH. myself real quick. 67. Okay, we're good. >> Let's go. He hates me. I hates me. >> I don't. I'm just. >> I always say nobody will ever hate me. more than I hate me. So, good luck. >> You sure about that?

You sure about that? >> Wow. Yay. That's. >> joyful. What's your minimum monthly. payment on this? >> $500, but I have one more payment. Yeah. Today, uh, this month, the 18th. >> Very good. I want to incorporate that. into your minimum monthly payments then. Okay. City Simplicity. What's going on. with this? City Simplicity. What's going on with. this? >> Um, I don't know. I just put a lot of. charges on it. >> Oh, good. Well done. >> So, that one is just random stuff. You. made a minimum payment last time and.

then you purchased $67. You had a credit of three bucks. $73 of. interest. >> What? >> You're over the limit by $162.226. Oh, for here it is. $4,1626. uh26 with a minimum monthly payment. minimum monthly payment of $277.84. Why? This takes 20 years to pay off. 20.

years to pay off. >> I've never looked at that statement. >> Great. Why would we look at statements. that we are spending on? >> I should do that. >> You should do that cuz you're over the. limit. You're going to get fees up. Oh. my. Okay, we got some CL on here. We got. pure beauty. More CLA afterpay. Listen, here's the thing. Here's the thing. Here's the thing. Let me tell you. She. goes, she afterpay. She clers. Okay, well done. Instead of making her. payments of her CLA afterpay, she puts. it on a credit card. She pays her debt.

with debt and then she transfers that. debt to another card, let it acrue and. then all of a sudden she pays the fee to. transfer it to another credit card and. then she transfers it to another credit. card till the end of time until pays. one% balance fees until the end of day. and the balance only goes up because of. the 1% fee. So every few months it goes. up by 1% endlessly forever. That's how. we pay for our CLA. Well done. That's. wonderful. >> It seems much simpler than that when I'm. doing it. >> After pay beauty cla issues Wendy's.

going in getting some [ __ ] getting. some [ __ ] Wendy's Peacock Premium. Why? I don't know. I guess the new. office show is coming out today. I'm. excited for Paperclip or something. What's it called? >> Calm down. Five Below Dunkin. >> Dunkin Donuts. I love their frozen. coffee. >> Okay, >> it's good. >> Claop Panda Express Poppy's Popeyes. What the am I saying? Going to get into. [ __ ] Get into [ __ ] Get into.

[ __ ] And Afterpay. What are we doing? Interest $500 this. year so far. That's a lot of money. >> Yes. Why are you allowed to even. consider yourself to spend this much. money? >> I don't know. >> My cards you can't pay off that is now. over maxed out. Well, you just blow all. your time doing a hobby. >> A joke of a life you're living right. now. >> Yeah, I'm a clown. >> Okay. Okay. So, here is a judgment then.

And this is more of a question than a. judgment. Again, I don't care about the. uh you know, I could be alone together. forever. Like, I don't care if we want. to. If that's how we want to live our. lives, that's fine. Again, that doesn't. matter. >> I don't want to be forever. I've just been alone for 11 years and. I'm okay with that. I'm not going to. settle. You. >> suggested you were okay with. >> Oh, I am okay with that. Yeah. Yeah. Yeah. Yeah. I. >> in the future. >> Yeah. I'm open to I've been open, but. I've been really focusing on like. building.

>> You've been opened three years ago, but. that was the last time. >> Yeah. That really put me in a bad way. in the after show. >> I'm ask. >> post show. >> I'm asking because you're alone, which. inherently is not a bad thing. because you have no one to rely on you. because you don't have that other half. or anything. Do you not have as much. care to clean this up? Cuz you're living.

your life like a way where you don't. give a [ __ ]. >> Is there nothing to achieve? Nothing to. care for, nothing that you are ambitious. towards. I don't know. >> Is there no incentive here? >> There is none. And there's nobody to. hold me accountable. My two cats are. talking about you wanting to improve. your life for a reason. >> Yeah. Well, so well, not only because I. just didn't realize how much credit bad. credit card debt that I have. Um,

>> but why do you even care? because. well it's bad and I don't want it. >> why does it matter to you? >> Cuz uh I just don't want it to get out. of control and I am open to. like having a relationship but I'm not. trying to make anyone into the No, I'm. not. Well, also I'm not trying to bring. this into the relationship. I don't want. them to bring 20 or 50,000. take someone's debt in a non-legal way.

Yeah. >> Like when in your first year or two. dating, >> but when you date somebody, you like. help each other out. So, >> but not not not in like your first at. least few months. >> Yeah. No, no, no. >> So, you can still get out there. Okay. You're just spending like nothing. matters and you have no incentive to. change cuz you don't unfortunately. Listen, we're at like a 30% interest for. this. >> Yeah. >> All right. Built. >> Yes. >> This is like the rent pay card, isn't.

it? Yes. >> Built sponsor us. Come on, dude. >> Oh my gosh. They totally should. >> I agree. They totally should. >> Totally. >> Okay. Well, at least you're not maxed. out. $2,728.68. [Music]. Well, you purchased $4,11. You'd think. it's all rent, but I have a lot of. highlights below, meaning it's not all. rent. Oh, $28 your minimum monthly. payment. >> I usually don't use that card. This one. looks like it's normally paid off. So,

I'm Oh, well, actually, never mind. If. you normally don't, then I'm going to. actually count it towards the debt. So, never mind. Keeping it. 14 years to pay. off. Sonic Driving, Taco Bell, Bath &. Body Works, Margaritaville. Oh, >> inflight sales. A pay. A pay. >> What is that? OV. >> A pay. Your currency. >> to go on the Fram in the Netherlands. >> Oh, good death. You just did that. >> Yeah. Maybe I went in June. The um Margaritaville though was like.

$400, but it's only cuz we had a cabana. and they put it all on my card, but. everybody paid me back. >> Who's we? >> We is a bunch of wedding vendors. We had. a pool day at Margaritavville. We got cabanas and we drank and ate and. swam. >> Tony's chocolate Netherlands. >> Tony's chocolate's the best. >> station souvenir in Paris. El. Paris Vanguard distributed Vanguard.

Paris I don't know going in against the. bull Bernard's market uh uh currency. exchange currency exchange currency. exchange currency exchange currency. exchange currency exchange currency. currency exchange high at residency. This is crazy. That was $1,000. You. can't afford this trip. You're drowning. in debt. Your business doesn't make. money and you only make $44,000 like. below the median net income for that. area. What the are you doing going on a big.

European trip of 42? Who the do you. think you are? >> Queen Elizabeth the Hyatt from. Netherlands. >> Are you suggesting that you're. >> um I actually paid two nights with. points. So they re they did refund that. on the next statement. >> Huh. So, the Hyatt char $4,000. >> Um, >> no, not four. No. >> Oh, it was one for $1,000. >> So, one night was supposed to be paid. with cash and then two nights were um.

points and they messed that up. But they. did credit me on my next date. >> The whole point of this card is to pay. your rent on it. You're just going and. blowing all this money in Europe. >> You I used it as my 0% foreign. transaction fee card. So instead of. >> you just spend a ton of money. Oh, there. were transactions at a minimum. >> and no fees. >> No fees. But you shouldn't have gone. You can't afford it in any way. whatsoever. >> My points were expiring. >> There should have been a reward trip. after you got out of debt and had a. fully funed emergency fund. >> I'm going to go to Antarctica.

>> Okay. That's not booked. >> Not now. No, no, no. When I get out of. debt. >> Yeah. >> I'm going to get back into $20,000 debt. >> That's more your way. >> Going to Antarctica. >> Yeah. I'm going to wear a jacket and a. cap. and seal seal skin pants. You know the. drill. >> Okay, >> that's what they wear, right? >> Stop. >> Okay. >> Southwest rapid rewards. What's going on. with this lady? >> I love Southwest. I flew them here and I.

will fly them home. >> I've never heard someone say they like. Southwest. >> I love Southwest. My only problem is. that they don't let you choose your seat. in advance, but they're starting to do. that, which actually kind of sucks. Isn't that a pretty big thing that you. would want to do? >> Hell yeah, I do because I like a window. seat and I'd like to know why Southwest. cuz their customer service like the guy. yesterday when I flew here was acting. like the Grinch. >> and it was fantastic. He was like being. real mean. >> I love the Grinch in September. >> I love the Grinch all year round.

>> That's what I like to see leading up to. 911. Someone going crazy on an airplane. >> Yeah, he was being real rude calling. people needy. It was fantastic. They're. so needy. This plane needs to go down. >> Yeah, it wasn't the pilot. Luckily, >> you needy [ __ ]. >> They weren't the ones who did it. >> Oh, yeah. That's true. >> It wasn't the flight attendants. >> They weren't the ones who did it. >> Oh, yeah. You're right. It was our. government. >> The number one YouTube membership just. got upgraded. Three exclusive shows.

every day, Monday through Friday. Financial audit post shows. Exclusive. and uncensored financial audit episodes. Our call-in show, Hammer It Out, >> then take the train, >> and brand new shows, Fat and Fatter. >> That is one. >> I would go off brand. >> behind the audit. >> This was wild. >> Shop smart.

>> And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Join Hammer Elite, the best membership on YouTube today. $40 minimum monthly payment on this. Oh, $461.13. >> Yeah, I do the snowball method, so I'll.

have that. >> What do you mean when you say you do? You don't do a method. I like to pay. blowing money. What? >> Blow anybody money on credit cards in. Europe. You. >> What is your snowball method? You've. never heard of snowballs in your life. other than your Antarctica trip. >> Small ones first. >> What do you mean you pay? You spend on. this. You. >> Oh, yeah. But then I pay it. >> No, you don't. Not always. That's not. true. This takes 13 months to pay off. You've never heard of snowball method. You've had interest acrewed this year so. far. You don't always pay it back. David. Ramsay does not agree with your snowball.

method. >> That guy, he stole my bike. David. Ramsay. >> Yeah, I don't know what his problem is. >> He stole your bike. >> I'm just kidding. I could have said he. got me. >> a joke. He got you pregnant. >> Yes. And then he stole my bike. How am I going to get to the hospital. and have this baby? >> Was this a 42-year-old joke that I just. have never heard of before? >> No. >> I've missed this one. >> I'm bad at jokes. Might try though. >> Oh, you're okay. Honestly, just a.

little, you know, in this kind of. conversation, that personality annoys me. and I'm okay with it outside of here, >> but that I just wasn't that. What even. was that? >> Whenever. >> Okay. Okay. >> Okay. Over a year to pay off. Good. Amazon all glammed up. >> Yep. Got herb linen. Mhm. >> Going in and getting some [ __ ]. Going in and getting some [ __ ]. >> French pastries. Wee wee. >> Okay.

Okay. Yeah, sure. Pull up your Amazon. for me if you if you may, please. >> So, we do share. So, I use my work. >> through my day job, my full-time office. job. We have the Amazon. >> How many? Well, I wouldn't know what's. yours then. Tell me what's yours. >> Oh, well, I buy scar tape for my scar. >> How big is it? >> My scar. So, you have to wear it. constantly.

>> It's scar tape. So, it helps get rid of. your scar. >> Will it? >> Yeah. I hope so. Because I also use the. cream with it. That's what my doctor. recommended. Oh, I bought air filters. for my house. >> Okay. >> I bought. Wow, we buy a lot of stuff. Oh, I bought. a hand fasting cord where the couple. will have their hands tied together when. they um. >> Oh, I bought a filter for my car. >> Thought we already did that. >> Oh, no. I'm sorry. I bought AC filters. for my house and then I bought a cabin. air filter for my car. Wow. We Okay.

>> You endlessly pay a [ __ ] ton of money on. Southwest to go to South Dakota. >> I love South Dakota. >> What are you? >> I love it. It's my home away from home. You can get a really good deal going. >> cuz it's South Dakota. >> Orlando to Denver and then you rent a. car in Denver and you drive up to South. Dakota. >> Not close. >> Yeah. It's like three or four hours. It's three and a half hours. >> Okay. >> To get to South Dakota from Denver is.

way better than fly. No. To get to the. Black Hills of South Dakota where I go. near Mount Rushmore. >> You're always. >> Kuster State Park, >> Orlando. Africa. >> Yeah. What? >> Black Hills. >> Yeah, the Black Hills. >> I think I know your type. >> Yeah. What country? White trash. >> What is my type? Big be Whoa. What? What is it? I don't know what that. means. BBC. >> By the way, it's a six-hour drive via.

the map. It's. >> a six-hour drive. >> She doesn't even know like driven it. many times. >> She doesn't even know time. She like She. doesn't even know time. >> Okay. >> Whatever. >> I could swear I drove it in four, three. and a half, four hours. >> Uh 670 mi. We clocked it. 6 hours 2. minutes if you leave right now. >> H interesting. Hm. Okay. PayPal business. loan. Oh, you have a business loan for. the business that makes no money. >> Yeah. >> Oh, why?

>> Why not? >> Cuz the business makes no money. >> Yeah. >> Would be my why not. >> I feel like the business does make. money. >> Oh, but interesting cuz your taxes. didn't say that. Which means IRS. Did. you hear that? She says her business. doesn't make any money when she files. her taxes, but she's saying here that. she actually makes money. I feel like it. does, >> but clearly I need to review. >> You feel like a six hour drive is three. hours. You feel like you have money in. your savings. You don't. >> I do. >> Well, you have money, but it's not what.

you think. You Everything is feeling. space with you. It doesn't work. >> Yes. What? >> I'm sorry. I spaced out. I do that a. lot. I disassociate. It's the only way I get. around. >> Do you go into the office for your job? No, we work from home. >> Oh, I need you to have human. interaction. >> No, I get enough at the weddings, >> I guess. But that's like not normal. That's like wedding energy. >> Yeah, it's a different person. That lady.

up there doing weddings is not me. >> Okay, so what's the current balance on. this? I don't I don't know. Well, you. just took it out, so $5,000 then. Minimum. payment. >> It's a weekly payment. >> death of $101.85. The interest looks like it's like 15. >> I pay it with my credit card. I don't do that. Just kidding. I know you'd love that though. It shouldn't have any weekly or monthly.

or any interest because I paid the. onetime fee. >> Yeah, which is what that is. I'm. calculating that. >> Okay, I see what you mean. >> $47 a month. >> Yes, sir. >> Did you take this out for. >> to pay down my debts, my business? So, I. have the advertising that comes out on. my one credit card. >> So, I definitely used it for that and. then maybe other stuff. >> Maybe I used it to go to. >> Wait, do you not know? >> Did you?

>> No, I didn't do that. I used. >> What did you use this for? What did you. take it out for? I'm asking. >> to pay off my debts. So, I paid off. credit cards a lot of the So, my Chase. >> and that works so well. >> I know. keep doing over and over again. and it's never worth once. >> It'll happen one time. I'll get it paid. down. >> I'm excited. >> You are middle-aged, >> right? >> Yeah. What? And. >> like, if it's going to happen, why. hasn't it? You're so You're in the.

middle of your life. >> All of this stuff all of this is. literally after 2022. So, I just went. buck wild apparently. I just didn't. realize like how wild I was going. But I did. And here we are. >> Best Buy. You have a Best Buy. Oh, you have a Best Buy card with a. substantial balance. $3,260.30. Why? Uh. for what? Let me guess. You need a. laptop to send emails? >> No. Uh well, I mean,

>> $33 minimum payment. You purchase $39.70. for some moronic ass reason. By the way, 18 years to pay this off. off minimum. monthly payments without any purchases, which uh a purchase. What the is going on. >> with the Best Buy card? >> Yes. >> Um. >> why is it such a substantial balance? Let's start there. >> So, I did a balance transfer offer. >> Oh, okay. Great. On the Best Buy card. I. didn't Who uses that for the And then. she went to Sonic Drive-In and got gas. What the.

>> No, I didn't. I got you. >> Did you just right there? >> Oh, I thought you meant I got gas at. Sonic. I got corn dogs at Sonic. >> You can't get gas at Sonic. I was. wondering why you said that. I thought. you said you got son gas at Sonic. >> You just talk so fast. I can't keep up. My brain is slow. >> You're telling me it's. >> like a Sunday morning. It's just, you. know, slow and chill. >> It's Thursday, mother.

>> Damn it. 30% interest rate of death and. stupidity and moronic behavior. $151 of. fees from the transfer. Okay. When does. that interest start occurring from the. big balance? Oh, good. Like five weeks. >> Yeah. Five weeks. Oh, like November 1st. Mhm. So, that card, I had a promotional offer. on it from when I purchased probably my. last phone a couple years ago, and it.

went down to $150 that I had to pay off, and I didn't notice, and I didn't pay it. off. And then one day, I woke up and. there was $1,200 in deferred interest on. my bill. And I was like, "What?" So, I. called them and they took it off. >> Really? >> I almost died, though. >> You don't deserve that. >> I don't deserve that. And the guy was so. nice about it, but he said, "As long as. you can pay it off right now." And I was. like, "I totally will." Because I didn't. realize I had just that much. I didn't. know I had anything left on that loan. I.

thought it was zero. So, that was a big. lesson learned. >> Okay. USA Bank. >> Yep. >> Credit card. US Bank. Okay. On this, you owe $2,55252. [Music]. Great. Uh, not that far from max out. $78 minimum Z payment. >> Woo! >> Oh, interest $5252 occurring. So, what. are we doing with this? >> What? Um, I honestly can't remember what. I put on that card.

It was like a year ago. It. >> was a year ago. >> I'm telling you, my spending, it's just. >> $82 of fees this year. I don't think. this has a. >> What does that fee for? >> $82 of fees. Is that late payments? $53. of interest, >> which means interest has just started. occurring. So, your interest free period. on something has just ended. >> Yes. Okay. >> Um I don't know what the future plans.

for this. >> probably. >> dude. This is what you do over and over. again. >> Yeah. >> You're never going to result in any. progress in your life. >> Agreed. >> Yet you do it. Yes. >> That means nothing. You're agreeing with. me does nothing. >> It definitely doesn't take back all the. credit card charges. or prevent any future ones. >> Yeah. Okay. Chase Ink Carter. What's. going on with this?

>> That's the card that my advertising goes. on. >> Oh, 500 bucks. Yeah. You spent 213. Yeah. Interest. So, yes, we're going to. call this a balance. $500.90. Minimum monthly payment $188.76. Okay. Fees. $9.80 of fees for what? >> $9.

Did you say $9. >> last month? 69 this year. >> Oh, it's a plan fee. A plan fee for. Airbnb. >> Yeah. >> And then a plan fee for seduction. my. plastic or my um tummy tuck. So, I said. it was $7,000 because I paid a $1,000. >> Yeah. Yeah. >> 21.49% interest rate. Went and got some. [ __ ] I think from the supermarket. Got some gas. Uh.

something at Honda. I don't know. >> Oh, oil change. Always an oil change. >> I drive a lot so I get Yeah. What's. going on with this? >> How much? What's going on with Okay. $1,14.7. >> Well, so that's the one that my. advertising goes on. I actually don't. know. >> She spent $863.11. $14.7. of interest is acrewing.

Yeah. G Suite. The not worldwide, >> that's advertising. Yeah. >> Okay. And then the not worldwide, that's. advertising. Okay. $22 of interest this year so far. Okay. Minimum monthly payment is. >> is credit card interest tax deductible. on a business credit card. >> cuz I don't claim my interest. and you're the tax pro. >> I actually don't know. I'm not the tax. I'm. >> kidding. I was kidding. I was I'm going. to talk to a CPA. I. >> know lots of tax questions but I.

actually don't know the answer to that. I mean, someone proposed at some point. having all interest on credit cards. being taxdeductible, but I think that. would be that would be ridiculous cuz. why the would we allow someone's. >> Yeah. >> behavior to be taxdeductible and then. all of a sudden just never paying off. their debt. It's so stupid. And then. it's just it's just a business that. would just be so beneficial to the. credit card companies. Like we're just. supporting them as a country and. culture. That's so weird. >> Yeah. >> Like subsidizing them. >> Amen to that.

>> I h I thought the interest itself would. be taxdeductible, but your payments to. the car. No, cuz then you're spend. interest you pay on a credit card is. deductible as a business expense if the. charges on that card were used solely. for a business purpose. >> Wow, that's awesome. >> Well, so proprietor deducted on schedule C. Yeah, >> that's what I schedule C. >> Okay, so yeah, you should be doing. quarterly by the way. >> Well, okay, I will. Two quarters. Late.

fees are not taxdeductible though. >> Yeah. Okay. >> Why wouldn't everyone just Okay. Okay. Freedom card. What's going on with. this. >> freedom? Um might just have one recurring charge. on that. >> Great. $125, but don't pay it all off. $24 is owed and 81 cents. Minimum. payment 25 bucks, which is all you put. towards the last time and then allowed.

that recurring charge to hit. $4.81 81. cents of interest. That is a medical. spa. Something critical when we can't. afford life. >> Correct. >> Great. Honda. Oh, this is your car. You're driving. everywhere, right? >> Yes, sir. It's got 74,000 miles on it. now. And I got it when it was six miles. >> Okay, good. >> In two years. Well, you owe $27,124.90.

Interest rate of what? >> Five point. >> Yeah. Yeah. Okay. Not the most. horrendous thing in the world. Not. thrilled with the depreciating asset. $55160. is your minimum payment. That's kind of. sucks for your income situation for. sure. What do you think it's worth? >> Um, so cash 26, trade in 21 to 23. I got cash 24, but. >> Oh, that sucks. I Kelly blue booked it. Like, >> so did we.

>> Oh, weird. Okay. Um, yeah, they keep. trying to. >> I mean, if you go up on on the higher. end, but if you bring in the low end and. then do in the middle, it's about 24. >> Yeah. So, I mean, I couldn't private. sell it anyway. I'd have to trade it in. or something. Take a loss. >> Well, this minimum monthly payment is. substantial for your income. >> for sure. >> Breaks the every rule in the book. What. is that? $51160. I figured if hit the fan I could live in. it. >> Uh, you might have to.

>> My standards are pretty low. >> It's literally 21% of your income. >> Yeah. >> Why don't you trade down? >> Maybe, but I love it. It was the best. thing that ever happened to me. Which. tells you how sad my life is. The best thing that ever happened to me. was. I got to do a wedding in Alaska. Sorry. Sorry. I don't care. That's not this. conversation. That's not this. conversation. >> You can get married there, too. >> This is not. >> So, I have been car shopping our car.

I've been car shopping on Carvana. recently. >> Trade in. >> I don't know. I was actually going to. ask you that. I'm getting the itchies. >> Well, we got a couple options. >> So, I'm I'm going to. >> 2015 Toyota Corolla. >> Yeah. >> And a 2017 Toyota Corolla. Yeah. >> And a 2017 50th anniversary edition. Toyota Corolla and a 2016 Toyota. Corolla. We're going Toyota Corolla. across the board. >> Sounds good. >> I want you to shop and choose which one. you would trade in. >> Let's see here. >> Yeah. Take the options. Don't pull off.

the sticky yet. >> cuz these are what you're shopping for. Linds Lindsay's been said this is what. you've been shopping for. So here's the. options that we've pulled. >> So this is literally what I've been. looking at. >> So yeah, pick what you'd pick. Who could. you pick? You got the miles on there. And by the way, this is in Orlando, Florida, too. This isn't even here. >> Probably the 2015 with 52,000. >> Okay. 2015 52,000. Let's see what that. is going for. 16,990.

So, I was hoping you would be at a. $20,000 loan. So, it doesn't really make. sense anyway, especially with where your. credit score likely is and where. interest rates are. Your interest rate. wouldn't be great. So, that makes no. sense. >> My credit score is a 735. Well, that's if you're shopping on. Carvana. >> They have fees to deliver. So, I'm. hesitant. Like, I'll drive to Tampa or. wherever to get it. But,

>> but if we get this 2017 Toyota Corolla, 73,000, not on Carvana, that's 12,000. So, we would be at like a $15,000 loan. cuz Carvana is a piece of [ __ ] company. >> Oh, I was going to say. >> milk you and they won't even negotiate. anything. Oh yeah. >> Um, now this does have more miles for. what it's worth, but it is a newer car. Uh, who knows what the condition is. And. so this is a Carvana one if I'm not. mistaken. This is a $16,900. car Toyota Corolla 2017 with 70,000 mi. So substantially expensive. But if we go.

to the 2016 car, comparable more to your. 2015 at 79,000 mi, this Toyota Corolla, not a Carvana, 10,900. So either way, I mean, that would save. you with the value that you need to. borrow to pay off the car loan with what. you currently still owe on it and what. it's worth. >> That would be a total debt of like. 13,000 if you got that car. I'd be down. with that. Trade it in $13,000 loan. That would be good. That would be. substantially better than 24. But again,

the interest rate might be rough, but if. it is, you're still saving more money if. we pay it off quick. >> Yeah. >> So that would still be worth it in my. mind. Okay. All. right, let's talk about the checking. account. $31. That's horrendous. >> Yeah, my personal checking. I keep no. money in that account. >> That's horrible, though. If any payment. hits for whatever reason or even just. accidental swipe, >> I have overdraft protection, so it pulls. from my savings account when I do that. >> Yeah. Let's see. $50 PayPal, $45 z.

>> $50 is to my dad for PayPal. >> And the zel. >> And the zel. I said. >> Yeah. And the rest is just transfers. back and forth. >> Not sure what a $45 zel would be. Probably something stupid though. >> And then this Chase business checking. 2750 started at 4. So it's headed on the. way down. >> I loan my brother that extra money. >> Why? Why are you loaning your brother. money? >> I needed money. I'm.

>> Dude, you just don't have any. >> But I have it in my checking account. >> No way. I should be going to debt. >> in really in in need it for? What did he. need it for? >> I don't ask him what he needs. >> Real life. This is real life. These are. your statements. >> I don't care what he spends his money. on. >> What does he need money for? >> He just said he needed money to. >> Oh, you might be enabling someone. You. don't even know. Lots of zing. A lot of. ATM withdraw 308. Who knows where that. went? >> PayPal. Best Buy. Best Buy. Zel PayPal.

Zel Best Buy. PayPal. Zel PayPal. Best. Buy. Best Buy. What are you getting from. Best Buy every second of your life? Okay, here's savings. $2,000. >> Woo! Woo! >> And then here's savings. 2,650. >> Wait a second. >> Okay, so it's about half of what we. thought, but that's again not surprising. uh. at all. >> It is 900. >> in any way whatsoever. Uh, okay.

4,000 in savings. Gotcha. >> It's nine. It was nine. >> Was isn't okay. I mean 4,000. >> this time period it was nine. I don't. know why. I don't know cuz I have four. I have two. savings and two checking accounts. >> Your checking isn't savings and that was. 2,000 in your business. That was brought. down from four. So you're right. If you. add the four and four, you're close to. eight. But you brought it down to two. loaning to your friend and that's not. savings anyway. That's your business. So. listen, stop. No more. These are your.

statements. You have 4,000 in savings. You have a couple thousand in your. business checking. Okay, that is it. And. like $40 in your personal checking. I. don't want to hear it. >> Got it. >> Oh my gosh, dude. I don't think you know. what savings is. >> It's the money I've been saving. >> Okay. Your income is $2,452. We're going to do expenses, not. including business, because it's a wash. So, debt payments. Let's add those up.

75 + 78 + 227 +. 84. +. 28 + 40 + 407.4. + 33 + 78 + 188.76. + 40 + 25 + 551.6. no student loans, no house, so nothing. that's actually benefiting us in any way. whatsoever. Minimum monthly payments to.

the debt $1,772.60. That's crazy for your income. That is. death. That is insanity. You are ruined. That is 72% of your income is going to. debt. What is your rent? >> $1,850. >> You're a,000. You're over $1,000 over budget already. >> for Oh, between the minimum payments and. the rent. >> Yeah.

Yep. >> Okay. >> One, you need to downgrade your living. situation immediately. >> Okay. >> You're getting. Yes, please. >> Cool. >> You kidding me? >> Just kidding. I don't want a roommate. I'll have my two cats pay rent. >> Okay, so it's a joke to you. >> Nope. >> You need a downgrade your rent situation. capped at a,000, which yes, it's not. going to be perfect. It's going to be a. downgrade. It's not great. I know a.

thousand. That's where you're capping. >> What? >> What? What? >> Um, >> and two, >> I don't know. >> Listen. >> Yes, >> you can dedicate time to this side. hustle, whatever [ __ ] but you got. to pick up an other side hustle. It is. time to pick up something else. And I. did just get a note, which thank. goodness because I wouldn't be able to. budget this without this, but I guess. you're open to calling your friend and. ask for a side hustle. So, we always do.

phone calls in the post show. So, you're. going to call your friends and ask for. this job in the post show and then we'll. hear more about your tea. But the. reality is, I mean, what the uh this is crazy. Uh 300 for. food, 100 for TP fund. What's your gas? >> 160. >> Yeah, but that's going against your. business. So, we're actually going to. write that off. And also, that number. doesn't really make sense for the. mileage. >> I don't write off my gas. I do my. mileage. >> Does that.

>> Okay. Well, yes, that's going to cross. for me. So, I'm not going to put that in. your budget. Phone bill. >> for uh 60 40. $40 a month. >> Okay, that's pretty good. That's a. little more than what we recommend of. Helium, but that's fine. uh internet, utilities, all that. >> $60 uh for internet, 75 for water, 150 for electric. >> Medical healthc care co-pays, anything? >> Um I have my $50 mental health every.

month and a. >> to 100. >> 15. It's not therapy. Um although I could. benefit from that. $15 a month for. dental insurance. $100 every three years for eye. insurance. >> Okay, that's fine. >> Gym. >> $15. >> subscriptions you I mean it's not even a. choice. Cat food cat food.

>> $40 a month. I mean, just your budget. alone and I can't wait for this phone. call cuz and I but the thing is as far. as I know, you haven't talked to your friend. Your. friend doesn't even know about this and. this was the idea that you kind of came. up with in the green room as a way to. supplement your income. Cuz as you. looked at your statements before this, you're like, "Oh, there's no way I can. make this work." So, we're going to. call. You're going to call and you are.

going to try to get a job in the post. show for the very first time. You need. $5,000 to survive in a minimum basis. $5,024. You need to double your income. in a minimum basis. This is crazy. That's where we are. I'm sorry. I mean, there's no debt payoff strategy. We need. to figure out the income thing. >> Yeah. >> All right. Let's get the financial score. and then we'll jump into the post show. So, I need a bud. Do you overspend? Zero. out of 10. Debt. I mean, no collections or anything, but. it's horrendous debt for your income. 1. out of 10. Emergency fund 4,000. We'll.

call that 4 out of 10. Retirement, I. didn't see retirement. 0 out of 10. Is. there retirement? >> Walmart. >> How much? >> No, I mean um go a Walmart greater. >> Real estate zero out of 10. Hammer. financial score one out of 10. >> I'm going to die at 6. >> When you took your quiz, your savings. was probably higher or you calculated. your savings incorrectly like you did. here and that's why the score was. higher. Remember, you can get your score. at caleb.com. Now, join Hammer Elite. below. Three premium shows posted every.

single day, Monday through Friday. And. come watch this post show. We'll see you. there. It's gonna be good. >> I want to hear the rest of that juicy. story. >> I told this guy when he was hitting on. this other lady while we were together, I said, "If you screw her, I will her. husband.". >> And then, >> you want to play games with me, I'll. show you games. >> Oh, you're crazy. exclusive members. content.