Privileged Freak Is A Certified Moron | Financial Audit

Sugar mama, you pay people after you. I. mean, at least times. Bought them. AirPods and Apple watches. I take care. of my babies. Yeah, because I was like, you're such a. good boy. You get some AirPods. I was. like, what the are you doing? You can't. pay to. download my budgeting app today and take. control of your money once and for all. And for a limited time only, sign up for. the annual version of Premium and get my. cookbook and notebook signed and mailed. directly to you. link in the description. and pin comment below.

Hi, my name is Janette. I'm 26 years. old. I'm from Cape Coral, Florida. And. this is Financial Audit. I'm a dumb and can't stop buying stupid. I don't need lol. That was her opening. line in her application to be on the. show. A. selfescribed dumb. You got it. Okay. So, you know what's interesting? And we we. talk about this in a lot of episodes and.

I think I can naturally bring it up. here. If I go out and about, let's just. say, you know, I'm trying to think of an. analogy right now. I'm trying to think. of an example. I go out and about and I. realize I'm wearing a pair of shoes and. every time I wear this pair of shoes, I. get, you know, uh, what are those little. bumps called? A blister. And it hurts. every every [ __ ] time. Every single. time. Typically what I do is I figure. out maybe I shouldn't wear those shoes.

because I realize this. Your application. is self-defining. You know, you're the. dumb who can't control her spending. Why. aren't you wearing a different pair of. shoes? Like I feel like this shouldn't. even be a conversation we need to have. I don't mean to come in intense, but. like I mean that's pretty basic. If I. want to change something and I know that. I can know things are wrong, right, but. maybe I don't have that extra incentive. to change it. I know what I eat is.

necessarily wrong, you know, sometimes. when I, you know, have some bad food, it's not like the most life impacting. thing for me, so I don't really care, so. I don't change that. But if there is. something I care about, I do what is. necessary to change it. This would. suggest if you are on this show and you. are self-realizing what is bad, you. actually do not want to change it. But I. also love dumb. I love Amazon. Okay. Basis doesn't know you exist. So I don't. Okay. What.

What on Amazon? What is worth it? It's. It's all overnight stuff that I can't. get at Walmart. Like dog treats and like. dog treats overnight dog treats. Why did. you just go to [ __ ] Petco? Go to. Petco real quick. because it's easier. for Amazon. It's overnight. It comes at. 4:00 in the morning. I wake up and it's. there. Yeah, but you'd have Petco that. evening. Okay, doesn't even matter. anyway. Either way would be shopping. I. mean, if it's just dog treats every once. in a while, that's not the craziest. thing in the world. It's like every day. I don't know. I mean, I know. How many. dogs do you have? Uh, well, I have my.

dog and I also take care of puppies and. then my dad has your job. Oh, it's my. it's like my side. Wait, what do you do. for a living? That's my usual first. question. So, I handle accounts. receivable. Accounts receivable for an. engineering firm. What do you make? $22. an hour. What's the scoff? It's I. literally can't believe people show up. for $22 an hour. Do you show up for $22. an hour? Yeah, but I don't want to. But you do. Why Why are you calling out.

other people? You do, right? It's just. not How many hours a week do you work. when you show up that you can't believe. people do? I'm supposed to be there for. 40 hours. I usually swing about 35. Why do you usually swing about 35? If. it's supposed to be 40 because I'm doing. like my dog stuff on the side. I have. Oh, do you get paid for that? Yeah. Okay. If you get paid for that then I. mean it's fine. But $22 an hour. You're. saying I can't believe people show up. Why the do you have that job then? I.

guess cuz it's hard to find something. more than that. I mean, if you don't. have skills or resume capabilities or. interview techniques. Yeah. Well, I'm. looking I'm actively looking for more. than $22 an hour. Well, I'm glad you. look at the jobs. I'm actively applying. for jobs with a good resume with good. interview skills that have been. practiced that are I would say a good. interview. I mean, 26. Okay. I would. suggest I would believe you would have. some job experience with that. Yeah. So, what's the issue? How long have we been.

looking? Uh, since I got hired at this. job. So, maybe like seven months. You've. been looking for seven months? Yes. What. are you looking for? If $22 an hour. isn't acceptable to you, what hits your. account on a monthly basis from this. job? Maybe like threeish, 32. Why aren't you. surviving? Cuz my I Everything's. expensive. I've got Yeah, maybe don't. buy the expensive things. Yeah, that's. what the rest of us do if we can't. afford something. That makes sense for. sure. But I like quality. I like.

quality stuff. Uh-huh. Like the word the word you just. used was like quality. Yeah. But you said you like it. Like. it's it Okay. That's not a necessity. If. it's not a necessity, what it makes you. comfy though. Don't you like being. comfy? Right. Expensive stuff's comfy and quality and.

lasts longer. What are you doing? You're smirking. I'm. trying to convince you that it's not. necessarily that bad. Why the are you on this show then? I'm. literally a dumb. Did you hear what you. just said in the last 30 seconds? That I. like dumb. I mean, you're correct that. you're a dumb [ __ ] if what you just. said in the last 30 seconds is what you. believe and then you just said you want. to get out of this and want to change. beyond beyond conflicting statements.

You said there, guys, getting expensive. stuff is so cute. So cutesy. I really. want to change. What the are you talking. about? Well, why can't I have both math? True, but what if we do the math so I. can have some knife and then cut? But. why haven't you budgeted that then? I'm. trying. I don't know. I've cut out like. a lot of What is the [ __ ] is your. personality? What the is that? What? Oh. my gosh. I've Okay, I've only met a. couple people like you. This is what.

kills me is like I'm like seeing their. personality for the first time in my. life where you're like that goofball. You have that goofball energy. Take. iting serious. Yes. See, I'm taking it very seriously. I do have a lot of debt and I do need to. get out of it. I also need to stop. buying dumb. Then why don't you? Cuz. it's easy to buy dumb. I understand it's easy. Why are you not. putting in mechanisms? Why are we not. putting in coping skills? Why are we not. putting in a budget? Why are we not. putting in effort? I know it is easy. I.

know it is easy. We got that. We've. established. Why aren't you doing. anything to prevent you oring? Just. because something e is easy doesn't mean. you do it. It's easy to go jump off the. roof if you want to. doesn't mean you. [ __ ] do. So why aren't you doing. anything to counteract it if you. actually want to change? The most real. answer is that I'm a dumb [ __ ] That's. not going to get me very far and I need. to stop being a dumb for sure. Oh my. gosh. Do you have a real answer? Like. why you haven't done anything? What have.

you tried to do and it hasn't worked? I've locked some of my credit cards so I. can't spend them like my Apple card and. I switched my T-Mobile to like Mint. Mobile. So that saves me a bunch of. money. Bunch of money. That's a step, right? I feel like I'm in the moving. slowly in the correct direction, which. is why we spent double what you made. last month. That's slowly in the right. direction. Slowly. Slowly. Oh, there she is. She's. trying to be cute, guys. She's so.

[ __ ] cool. You're looking good. You're looking great on camera right. now. Everyone's really appreciating your. cutesy little attitude. Okay. So, [ __ ] you. This isn't slowly. moving in the right direction. Unless. you're spending four times, three times. your income. Now you're spending two. times and we're like, "Yay!" No, you don't get a high five for. that. What are you doing? $3,266 came in and that adds up with. what you said. That was through payroll.

And then we had cash app 330. Was that. the dog stuff? Yes. Okay. So, 300. $3,600. Okay. Not. horrible, but you could be making more. if you went and actually I'm I'm confus. Okay. Did you have a job before this? Before this job that you looked down. upon? Yes. So, so what is your work. experience? What can we turn into an. effective resume? Okay. So, from the.

time that I was 19 to 25, I was a. contract coordinator for a real estate. investment company. And I worked there for seven years. So, and I was making so much money there. I. was making $35. Why did you change? Uh, I got fired. Why? Honestly. Oh, here it. comes. When someone says honestly and. then they don't say the honest thing. Yeah, go for it. Honestly, I think it. was some petty. There it is. What I mean.

the boss was kind of like an old groomy. weird man and there was only two I don't. know what that means in that context. Is. it internet grooming where they never. use the word correct or is it he didn't. take care of his facial hair? No, like. childhood grooming. Internet grooming. where they never used the word correct. Sure. Okay. Okay. Yes. He was a creepy. weird man. Did he literally separate. people from their entire support system. from an. underage way in order to take them away.

from their support system once they. turned of age and. then slept with them but they could. never leave because they no longer have. a support system? Did he literally groom. them? Or were we just using that word. because he was a little weird? It was a. little bit less than how you describe. it. Okay, so let's not use words we. don't mean. This isn't Twitter. Okay. Words have real world consequences. Stop. being a sensationalist. Gotcha. He was a weird man. A weird. four-year-old man. There you go. A real. Okay. So, he was weird. Yeah. I believe.

this started with you got fired from a. job. Yes. So, why are we talking about a. weird man? Cuz he was my boss. He was. the owner of the company. Um, he was. weird and he was mean and he was. psychotic and he go on now. We're using. more buzzwords real quick. Let's let's. def what was he actually what was he. actually what did he do that would. define those things? Uh he would come in. and scream at everyone. Scream why? What. was the reason? He would literally call. people like tell you like are youing.

stupid like why' youing do this? Like. you don't certainly what Steve Job Jeff. Bezos has done and they built great. companies. I'm not defending it but that. is what other people have done. That's. not how I like to do it and it doesn't. feel good. I agree but we're using the. word psychotic and we're doing a lot of. things. So go ahead. Why did he do it? What was the reason though? The reason. why I was fired, the actual reason I was. fired was No. Why was he yelling? Oh, he. was unstable. Like bipolar. What was the. reason? What was the reason he yelled?

Yeah, but what was the thing that caused. I'm asking? Uh, I'm not defending it, but let's have more context cuz you. sound like the person that starts a. Twitter thread. Um, he. would come in at 10:00 and when we were. supposed to be there at 8 and just. scream at everyone. Uh, why though? What. happened on the phone? Are you guys on. the phone? Why aren't you on the phone? Were you supposed to be on the phone? Not me particularly, but the person he. told to. Yeah, the bullpen. Okay. So, that's the reason. It's just I don't.

feel like that's like the way to handle. it. No, I I agree. It's not the proper. way to handle it. However, it wasn't he. I agree. However, it's not like he just. went in and he just started screaming. for no reason. That was his leadership. method. Wasn't good. You're allowed to. leave it. It is not illegal. So, so that just didn't feel So, that's why. you got fired? No, because the boss. yelled at people for not doing their. job. That's not why I got fired, but. that definitely set the stage for my. time at the job. I was constantly on. edge. I always felt like I was going to. get fired, and then I did. After seven.

years, I was making $35 an hour plus. bonus. Yep. Which by the way, I mean, you make the per capita income in Cape. Coral. Congratulations. Even though you. scoffed at what you make, but I just. don't I can't believe people live on it. I'm Well, the median per capita income. does. It's crazy. It's That's just not a. lot of money. That's not a lot of money. It's livable. I don't feel like it is. It's livable. Average rent in that area.

for one-bedroom apartment is about. $1,652. Utilities, we can take it about. 200 for electricity, plus approximately. 200 for phone and internet services. Uh. food, groceries going about 1% higher. than the national average there. And we. can range that from 400 to 600. I could. get you at about 300. Gasoline looking. at $3.39 per gallon. So we're looking at. 470 a month. Doctor's visit maybe 158. per appointment. Monthly healthcare cost. 157 for a single adult. Uh, put all that.

together, you would have a surplus of. about. $6,000. Yeah, you can. survive. You're not because you prefer. cozy and then you get fired for. something you haven't been able to. define yet. Well, I can tell you how I. got fired. I would love to hear that. I. double the contract. Okay, sounds like. you should have got fired and it wasn't. for petty. I'd fire someone too if they. were their job and replace them with. someone who's not their job because.

you're here to literally do a job. But I. was there for 7 years. I don't care. It. doesn't matter. Why the would that. matter? It doesn't. I feel like I have. like No. If you do not perform, why. would they not replace you with someone. who would make the same amount of money. and will perform better? I mean, think. about it logically. This isn't You're. not aing teachers union. Yeah. You don't. have that protection and you shouldn't. It's the [ __ ] free market. Yeah. But. I just felt like after 7 years, I was. the longest. There was only like three. employees that were there that long. I. just It lit that literally doesn't.

matter. I felt like I was the best. person for the job if I'm there that. way. Well, you weren't cuz you were. fired because you did wrong. But I. [ __ ] up one thing after 7 years. Was. it a big up kind of? Well, there you go. You know what that does? You know what. that does? And I only fully realize this. in the position I'm in now. He can no. longer trust you. And when you lose the. trust of someone to take care of things. that are huge, then you can't reliably put important. work on them. Yeah. But so I would. rather that person not be here and.

replace them with someone that I can. trust. If you break the trust, it's hard. to earn trust back in that way. A long. time. It is a long time. And maybe I. wouldn't, you know, do that after one. instance. But if the person feels like. he can no longer trust, it's his. organization. Yeah. But still, that. sucks. Oh my gosh. It hurts my heart. I. was there for 7 years. Yes, you're. fired. No one likes getting fired. I. grew up there from 19 to 25. Okay, you're not going to get tears from me. That I mean that's that's the world of. the job market. Like that sucks. People.

get laid off all the time. It's a. bummer. And you can leave companies for. a higher paying job. They can have you. leave. You can leave on your own. It's. like don't take it personally. It's a. business. I take everything personally. Well, that's not You're not going to get. places with that. Good luck. So, I can understand how your current. wage now, which it's kind of a little. gross how you look down on her. I'll be. honest, that rubbed me the wrong way or. why I'm being a little intense. Uh cuz. ew, what the is like 22? It's not is it.

living in luxury? No, but survivable for. your situation, for your cost of living. area. Either. way, yes, you were making a lot more. then. So, I can see how now it feels. like you're struggling because it is a. substantial cut. Huge. But you need to. adapt to it. And it is your choice to. not adapt to it. Correct. But it's hard. And I know. that's not a good excuse. I know that's.

not a good excuse. It is hard. Things. are hard all the time. For sure. Are you. just going to give up? No. If you want. to give up, let's just move on. No, I. don't want to. Let's just move up. Go. home. I want to pay my credit card off. If it's hard, put up with it. Put in the. hard work. If it's hard and we give up, then just give up. I don't want to, though. Okay, but you've done nothing. And I'm not a magic pill. I got a new. job. You know, I didn't stay unemployed. Not, you know, I got the $22 an hour job.

after. Yes. But you're looking down upon. that job. I'm not. Yeah. And you have to. adapt to that new income. You're not. always going to start at the top of an. organization. You're not always going to. start seven years into an organization. Sometimes you have to start at the floor. and move your way up. That is natural. and that is okay. But it's not a bad. thing. A long time without getting a. raise. No. Really? No. I was expecting a. raise within 3 months. Why? Because I'm. good at my job. It's a little weird. entitlement. No. A lot of people don't. get a raise for like the first year. Jesus. I don't know. I'm not I've only.

had one job. You got raises every 3. months? Literally, I went from 15 to 16. to 18 to 19 to 20 to 25 with bonus. And. yeah, you were there for seven years. That doesn't that sounds like maybe. yearly raises like two years, three. years, and then I got capped out. Like. that's capped out. They had a cap. Not. cap on commission, but like cap on. hourly for me. They had a cap. A cap for. you or cap for everyone? I didn't know. I don't know what everyone else made. Okay. Yeah, it sounds like you were. potentially underperforming for the last. few years cuz they did not raise your.

age. I mean, my Christmas bonus went up every. year. Yeah, that's just them being nice. in the Christmas spirit. They kept your. wage the same, meaning you were likely. not providing. value. Let's be. honest. I I know it sounds soing like. tribal and it sounds so, you. know, evolutionary, but the thing is it is kind of just. metrics in the end, right? It's like if. there are other people around you.

performing better, the raises are going. to go to them. You are not entitled to. them certainly after three months. And. if you're getting capped out a couple. years in and then you're going four. years, no raises, that should tell you. something. I just thought I was making. so much money that they were like, "Oh, we're not going to pay her anymore." Cuz. I was making so much money. Uh listen, I. don't know this guy and he comes in. screaming, screaming, screaming. And. we've all had emotional days and like. things will happen in high stress. situations. Okay, I get that. But he. sounds like someone that, you know,

maybe not be be the best leader. But. what most leaders do is even if you're. making a lot of money, they will give. you a raise if you're a high performer. because they want to keep you there and. because they also just want to I mean. that I mean that's the big one, right? So I guess I was not doing as good as I. thought I was. Yes. Which is why you. weren't actually fired, not cuz of some. petty bull. It felt like petty bull. Well, how was it petty? Let's talk about. student loans. I know it's something we. all want to avoid talking about, but if. your private student loans are crushing.

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yrefi-78. Break free from the. highinterest trap and get your finances. under control once and for all. If it. was petty, there would have been. something that would required it to be. petty. Like there would have been. something that rubbed them the wrong way. that wasn't fireable, but then they use. this as a reason to fire you. That would. be petty. Yes. Was there that? Because. you have not told me. In my opinion, it. was petty because there was one other. girl in the office. She started getting. super It was like your typical freaking. office story. The There's two admins and.

the owner. The owner starts hanging out. with the two girls. Um, you know, I. didn't really understand what was going. on cuz I was 19. She's 3 years older. than me. He was married. Started. sleeping with her. 19-year-olds don't. understand sex. I mean, I didn't. understand. You really are aing Twitter. user. Keep going. Um, and then they started. boning. He got divorced from his wife. And then they got And you really didn't. understand any of this at 19. No. Maybe. we should raise the age of everything to. 25 cuz wow, these people are not.

maturing as quick as we did literally. just 10 years ago. I agree. I I'm a. dumb. Like I don't want to keep saying. I'm a dumb. Like I don't understand. I. don't think you're I don't know if it's. dumb. I think you're literally at the. mental state of a child. I think it just. It's not a good thing. It's very. unhealthy. For sure. I'm glad you agree. Wish you would do anything about it. Okay. So, you didn't understand that the. penis went in the vagina. Keep going. I. just didn't understand like why he would. be hanging out with us and then why they. started hanging out and then it just got.

kind of like competitive. It felt like. she didn't want another girl in the. office. That's what it felt like to me. That's why I feel Why are you getting. that vibe other than the fact that they. were boning? Cuz she was being kind of a. [ __ ] Oh, she was being a [ __ ] to you. Yes. Okay. After they started seeing. each other being a her No, we were. friends. Like we used to hang out. We. used to go out to like Bush Gardens. together and dinner and like all kinds. of stuff and she got the right to hire. and fire. No, she she's not the one that. fired me. Then why how would it would. have been petty then? Because she was.

boss. So what is your future then? Um I. would like to continue my business but. business the dog stuff. Yeah, the I the. 300 hours a month. Well, that's how much. I claim on like Cash App and like Venmo. and stuff, but I get paid. No, that's. how much No, that's how much Oh, I see. That I don't necessarily deposit. Okay, go on. I'm not saying that I'm. making like a ton of livable money, but. like if I could continue to do that,

I'm just I'm not really good at running. my business. Well, you spend double what. you make in your personal life. I bet. that would translate in your business as. well if you were making good money in. your business. For sure. Keep going. Um, yeah. I just I'm don't know how to do. it. I don't know how to get better. I. don't know how to My logistics are off. What? Don't you know how to get better? What? What? Running my business, owning. my business, my pricing, my schedule. Like, I have a hard time. Have you. looked up median pricing for your area? Yes. But I'm just I feel bad. Like I. charge everyone pretty much like. different stuff. Like I will go like 3.

hours north and charge someone like $50. a night to sleep at their house and then. charge someone $100. I don't know. I. just I just say whatever. I have a. really okay super unorganized. Well, there's one charge the market. demand. Yeah, that's a change I need to. make. And I'd also like to It's a pretty. basic one that you also again have. already recognized. I'm I'm confused. This conversation is so confusing. You. recognize all these things yet you do. none of it. I feel like this is a. repeated pattern. Well, the clients I. have I've had since I've started and I.

just feel really bad about charging them. something different. Even bringing that. up. So, you'll go out of business and. never do this full time. Congratulations. I don't want to. I want. to Okay, so choose one. What do you want. to do? I want. to big dog up and get my [ __ ] together. Big dog up and get your [ __ ] together. I. don't know how I can change my pricing. Tell them I'm changing my pricing. But. that's not going to be the only thing. that helps. I would like to get better at like. zoning in on my clients rather than,

like I said, driving 3 hours north or an. hour south. Okay, so zone in. What do. you need to do to get better at How do I. tell my clients that I already have that. I can't help them anymore? I can't help. you anymore. But I feel bad. I know. I. don't care. Yeah. I'm sorry. It's it's. it's business. I know. I know. At that. point, you're not [ __ ] someone over. You're just saying you don't want to. drive 3 hours anymore. It's not like you. are truly you're like you're breaking up. a contract. It feels like breaking up. But you're not. If it was, that would be.

a different situation. If we signed a. contract and you were just ripping it to. treads. Yeah, that'd be But this is just. you're a contractor to them, you know? It's like they're just going to find. another person on Fiverr if that I'm. assuming that's it's like that, right? Yeah. Yeah. I have a dog person. One. moved, so I got a new one and she's. better. Really? Well, yeah. I just stuck around longer. I I just Yeah, I need to get better. I'm. not good at that. Well, yeah, apparently.

in any aspect because I'm not. You need. to get better at a lot of things and you. know what you're doing wrong and the. solutions are pretty basic yet you do. none of. them. Uh I need some fire under my. What would that be? Someone tell me. this. Oh, come on, dude. You can get the. literally This is the most basic in the. world. Anyone would tell you this. This. This shouldn't change anything. I. shouldn't have to tell you this. I. really shouldn't. This I mean there.

might be a budgeting thing in here. We'll make a budget by the end. But so. far, this is you just being a child and. that's just like grow up. Yeah, that's. it. For [ __ ] sake. How do I grow up if. I've been this like I've been like this. for 26 years? What am I supposed to do? Dude, it's all whatever coping. mechanisms and ways to get yourself into. discipline you have to do. You. experiment with different things. You. find things that work. Maybe you don't deserve any of this. I'm.

I think I do. I'm trying. Why? You don't. do anything. I'm doing the thing. I'm. just not doing the thing to make. everything better. Exactly. Which is. critical. Like, if you're not. self-improving in life, I have no. respect for you as a human being. Yeah. Care for you as a human, but no respect. for. you. All right. Well, I guess we should. get into this. Anything else I need to. know before jumping into this? decent stack of debt. Well, I I do own a.

house, a condo. Really? I know. For for. an immature little [ __ ] I own a condo. Okay. Which I think is cool. Um it's. owner financed, which again, I don't. really know what all that means, but I. know that I got a pretty sick deal on. it. Can you just You have to produce a. deal. No, no, no. I said I got like a. sick deal on it. I feel Tell me I feel. like I'm basically just renting it. Tell. me the deal. All I had to do Well, my rent was like. 2,200. Tell me the [ __ ] deal, dude.

My mortgage was only 1,200 and it. sounded like a really good deal. And. then my HOA fees went from Why did you. say was was were your mortgage? What's. your mortgage right now? My mortgage is. 1,200. But I Okay, so this is a debt. Okay, first debt. House condo. Yes. Good. Love it. Is it in an area where there's lots of. condos or is it kind of in a. neighborhood with houses? It's all. condos. It's like old people. Um but. Okay. Condos really that really me up.

Like I wish I would have bought a house. A condo you up? Yeah. Was it the stairs? No, it's just the HOA. It's just. terrible. Okay. So, what's your. mortgage? 1,200. What's the HOA? 600. Yeah. I mean, you got a condo, but it. was only 400 when they closed. Doesn't. matter. They always go up in a year. Do. a little bit of research. Yes. That's. crazy. Well, also big expenses can come. up if they need to replace uh a roof or.

fix a pool. Get ready for a big chunk of. money to be due in like 6 months or. something. Yeah, they can do that. I. know. I already paid an assessment of. 2,000. It's just like constantly when. Yeah, condos can be Yeah, I wish I first. rental property I bought was a condo. Horrible mistake. Yeah, terrible. I. completely regret it every day. What's. the interest, right? Is there an. interest rate%? When did you get it? Uh, November. 2023 I closed.

Yeah, I could see you getting a rate. around there for the the bank was. offering me 9% and the people that owned. it offered me 8%. What was your credit? What's your deal? What's the term? How. much do you owe them? Um, I'm not really sure. I pay them. $1,200 a month. I think last time I. checked I think last time I checked it. was like what was the purchase price 180. what did you put down 10%. or thousand okay it's you you it's 169. is probably what you all want it yeah I. think it's 16 something is it a 30-year.

term. okay this is a fun one I get to get you. free money and then I get to get myself. free money it's a pure win-win in for. both of us. What do you have to do? Sign. up for a SoFi high yield savings account. and get a welcome bonus of $300. Sign up. for Acorns using my link and get $20. instead of the usual $5. Finally, sign. up for Silo and earn up to $5,000 in.

cash back on your own stocks. These. offers have been negotiated to give us. both more money than using traditional. signup methods. So, use the links in the. resources section of the description. below and get yourself. $5,320 right now. Why? Why' you do this? I thought it was a good. idea. I had the money in my bank. I had. 10,000 which I thought was awesome. My. rent at the time was about Do you have. an emergency fund beyond that? I did at.

the time. Okay. At the time, a lot's. changed since I was making $100,000. Keep going. stay on track. Um, I was my rent was 2,300 plus, you. know, my utilities and stuff. The deal. was presented to me by my coworker at. the time like, "Hey, we're selling this. condo." It was your coworker? Yeah. Oh, for Yeah. Big [ __ ] mistake. Yeah. Yeah. That's weird. Not your cooworker. now, though. Correct. My previous. coworker. Okay. Not the co-orker that.

was the boss. No, different, but same. job. Um they were like, "Oh, your rent's. 2,300 and all your utilities like we can. get you this, you know, it'll be down to. 1,200 just a month and you know and. you'll you'll be owning it basically.". Um and I didn't really look into the. fees or what all that meant. Um yeah, it. seems like a really good deal when. you're paying 2,300 plus utilities to go. to 1,200 plus utilities and a 400 look. at the HOA cost. Why aren't you looking.

into every I'm so confused. I. mean, I didn't really know. I just It's. pretty, you know, like people you can. people will let you sign any paperwork. It's worth $150,000 according to Zillow. And Zillow usually overestimates. So, you'd certainly be losing money if you. needed to sell it today. It's only gone. down in value since you bought it. Yeah, it's awful. I'm I'm listing it. Like, I'm listing it and I know I'm not going. to make any money. I just want to wash. my hands of this thing completely. I. hate it. It was one of the worst things.

I've ever done. It says it sold for 196. Oh, yeah. Then that was me. 196. I. thought it was 180. Oh, for Yeah. I Oh, for sake. Yeah. What. the What is wrong with you? That is very. different. Especially when it's only. worth 150. Yeah. Yeah. I I thought it. was 180. Okay. It's probably worth or. you probably It's You probably owe on. it 185. Oh Jesus. Yeah, you're.

underwater substantially. And who the is. going to buy a condo with that kind of. fee? I agree. It's only gone. I know. It makes me. sick. Okay, I was listed for 150. You. bought it over. how. wait. You listed it for sale. Yes. I was. going to talk to you about it, but I was. like, you know what? This I'm just going. to I'm going to list it. I need to get. out of it. I just got my But but what do. you have? Do you have like 30 $40,000.

saved? No. So just pay him. So what the. are you planning to do? Ask him for. help. Why the he I don't know why. Have. you talked to him? Yes. And um. No. And. um he understands uh that I'm working. really hard and I'm super stressed. And. they are talking about what we can do. They're going to talk to the realtor. I'm not going to do anything. Yeah. They're going to try to help you to sell. it for as much as you owe. Mhm. But.

they're not going to let you walk out of. the [ __ ] loan. Do I just like pay that off? The loan or. you're talking about the difference? The. difference. One, you're going to lose. likely. 6%. seller and buyer real estate commission. You're not in a happy sellers market. So, you're likely covering those even. though technically you don't have to. these days. You can put it on the buyer, but you're not. Uh so.

150 so - 9,000. 150 certainly no capital gains taxes on. this. Good luck. The 185 you owe. Great. So if you sell it, you have to come up. with minimum $44,000. 40 four Oh 44 44 44 21 The are you. doing? She's actively doing this like. right now. Wow. It's listed for sale. right now. I did not know this. It's. listed for sale righting now. Oh my. gosh. It's gone down in value so much. I.

know. It's also in a flood zone. So, that's not really Well, it's Florida. No, but like it's on the water. Like, it. flooded right before I bought it. 4 ft. of water inside. Uh, what the Okay, now that you heard. that you're going to have to come up. with this, what do you think? Maybe I. can work something else out with them. With who? The people that I'm trying to. Why the would they lose $44,000? Why. would they be okay with that? Well, I.

think in my head, which we've. established isn't the best. I'm glad you. can recognize it without changing it. It's interesting, great human. characteristic of you. In my head, he. bought it for I believe 130. Doesn't. matter. This is a loan. This is a loan. But if I've already paid him like No. How much have I paid? Well, I don't. know. But it's all been interest. But isn't he making money off of me? It. feels like I'm just paying him rent. Well, yes. You took out an 8% loan. He's.

making 8%. So, he's making money. Yes. So, why. wouldn't he just help me if he's already. made? Why would he help? Because he. helped me in the first place. What am I. talking to? Are you not able to see the. logic to this? You're not able to see. the logic on the employment side? Are. you able to see the logic in this? Why? Why? What? Unless he's a [ __ ]. charity, which he's not cuz he gave you. 8%. Listen, if he gave you 8%, I don't. think he's someone that's just going to. be like, "Walk away." He didn't give you. 4% or something to keep up with. inflation. But he gave me a better deal.

than the bank was offering me. That. doesn't It felt like a good deal. He. felt like he felt like a little angel. sent from heaven. So why would why can't. he do that again for me? Why the would. he? To help me. Why would he get for 30. years hopefully? Yeah, but it was your. choice. It was a really bad choice for. sure. Yes, it was. But that's not his. fault. I'm so confused. What is this. world you live in? You live in the. weirdest Oh, you are such a co child. Like you like stopped development at 12.

Why? Like you do not live in the real. world with the rest of us. Okay. All. right. And then you got a seasoned. assist for operating your business out. of the home. Yeah. Oh, from so far. So, you're trying to build theing business. and you can't even sell the you can't. get out of the house. You can't build. the Oh, what the That's how I feel. From. who? Who cease and desist? The HOA. Yeah. And you probably That's probably. correct. Oh, for sake. So, you can't do. the business cuz you can't sell the.

house, but you want to sell you want to. scale the business, but you can't sell. the house. Oh, it's so It is fault. This. is your fault. should have read over the. contract. I should have. Everything in. your life is it should have but didn't. and won't change. Hopefully, it will. change. I Yeah, that's how things. change. That's the first step, right? Yeah, sure. But you did that. You. did the first step of hope forever ago.

and you've done nothing. So, I don't. know what the [ __ ] you're talking about. Well, cuz I feel like I'm kind of stuck. with the situation by your choices. It's bad. Yes. What do you think your financial. score is? 0 to 10. Zero being the worst, 10 being the best. Where do you think. you are in this world? Two. Okay. I don't spending double the income. that underwater on their first house. even though you put $10,000 down. [ __ ] luck. If you want your score,

actually, real estate will probably. boost it, but it's not going to be a. good real estate score. It's going to be. a very bad real estate score. If you. want your Hammer financial score, see. where you stand in the world of. finances, go to caleb.com and go to. calebhammer.com/apply if you want to. come on the show. We'd be happy to have. you. And don't forget, if you want to. avoid being in a situation like this, go. ahead and download my budgeting app. right now. And for those who take the. annual option, which saves you a lot of. money, I'll also send the physical. cookbook signed by me directly to your. doorstep. So check that out. All those. links in the description below. Let's.

get into the cards. I guess we already. did the mortgage, so let's do this. Wells Fargo. How long does this take to. pay off if you only do minimum monthly. payments, which Yeah. And you don't. purchase what you're incapable of cuz. you purchased this pretend cuz of course. you did. How long does this take to pay. off? Minimum monthly payments only, no. spending. Are you asking me? That's why I said how. long? I don't know how long it would. take. How long do you think? Like 5.

years. Okay. 18. 18 years. 18 years. Holy [ __ ]. Yeah. Yeah. You'll still be in your. house by then, too. I [ __ ] hope not. Well, you're right. I mean, you'll. probably drown. Literally, like in one. Yeah, literally. That's That's what I was saying. I. didn't know if you meant like drowning. in debt. Drowning in both.

senses. Ever feel like your Mac is. begging for retirement? Fans blasting, apps freezing, and you're just sitting. there wondering if a new laptop is your. only option? Yeah, I don't feel that way. because I found Clean My Mac. Clean My. Mac is like a personal finance plan, but. for your Mac. Instead of blowing. hundreds on a new one. It cleans out. system cash, development junk, and. unnecessary files, cuts down on clutter, and even kills off malware with its. moonlock anti-malware engine. Their. smart care dashboard gives you full. control of your Mac. You can clear out.

duplicate downloads, get tips to stop. overheating, and make your Mac feel. brand new without dropping new MacBook. money. So, if your Mac's been making. noises like it's trying to contact. aliens, use Clean My Mac to keep it on. Earth. Boost speed, cut costs, and get. tidy today. Try 7 days for free, and use. my code Caleb for 20% off. Let's get. back to the episode once your Mac stops. lagging. Okay, balance on here. $4,896.84. 84 with a minimum monthly payment of. $133. Of course, we went and.

purchased $1,600. $7.35 with interest charging of $8355. That's crazy. My interest is What the. good squeezy? What? It's right here. You. sent this. You know that? I didn't know. my interest was $80. That's insane. Anything. You sent this. to us. I just downloaded it and sent it. I. didn't look at it. Why don't you look at. your accounts? Why aren't you budgeting?

Why don't you know anything about your. money? I'm scared to know how much I spend on. stuff cuz I think it's that makes it. worse. That makes it worse. I honestly. had no idea it was that. much. I didn't even know my monthly. payment was 130. I thought it was like. 50. Are you kidding me? How do you How. do you How do you survive, dude? What. are you even spending on? Chipotle, Amazon, Amazon, Amazon, Miller.

Ale. House, Azour or Cafe, Amazon, Amazon, Amazon, rookie hip camp, Amazon. Pull up. your Amazon for me. Pull it up, dude. Why? And it's all at 20% interest. In. the world of credit cards, luckily. you're not at the tippity tippity top, but it's still [ __ ] Yeah, but. it's I don't. I know I don't. have.

it's. okay. Let's see. We got booty shorts. Lots of them. New faucet. Yeah. I mean, you are an owner. Is this a fireplace. thing? You got a fireplace as a fire. poker. Why are you going camping? You. need to be working. Can't take time off. or spend money on it. Pork chomps. I'm. guessing that's for the dog. Plastic. gloves for camping. You don't need to be. camp. How often are you camping? Maybe. like once every other month. Wait, just.

I I need you to be working to pay off. this debt. I mean, you can't afford to. live in your own house. Uh what are. these? Back scratches. I don't even. know. Uh more dog chews. More dog chews. More dog chews. Body. bar. Reversible mat. Come on. We're not. getting mats. We can't afford to. survive. Cheese Himalayan things for. dog. Okay, cut the dog thing by a third. at a minimum. 2/3. By 2/3 by 2/3. You're. spending a lot. I get wanting to spoil.

them. Cut it by 2/3 and you're still. spoiling them more than most people. Tear tension corner. No, you don't need. that. Pieces of African bathing [ __ ]. You don't need that. Homicide microfiber. cleaning. That's a lot. More bones. the. dog the snoop thing and oh Azium 4.5. pack odor something. first aid. beauty did it work. no fourpack mop replace heads running.

shorts did it work. no Dr. Broner's Pure Castle. Okay. Mountain House granola. House granola. Reusable rain ponchos. Guess you got to. wear that in your. condo. Literally. Buddy butter sixpack mixed. flavor squeezable whatever. Dude, this. is [ __ ] bull. And this is crazy. And. we've barely even gone back that far in.

time. It's just dumb spending. It's a. stupid. spending. All for the sake of what? To. spend double what you make? You want to. change what you don't? Just delete the. app. Delete the app. You can redownload. it. It's so easy. So, I don't really. have a lot of choice. Maybe we need to. get you on a flip phone. But like, and. then you'll just go online anyway on the. computer. But this is, listen, it's too. easy for you to get that pointand-click. dopamine reward. Then the package shows. up, you get excited. And I like it too.

I like Amazon, but like I put it in a. budget. I put it in a budget. And you. could do it as well if you're putting it. in a budget, but you're not. You're just. blowing all this money that you. literally do not have. And you can't. even get out of the house. Put $10,000. down, you're going to be in a $55,000. loss to be lucky. That's if somebody. buys it for the 150 you listed it for in. the market we're in now. Good luck. I. know. It's [ __ ] I I don't I just wish I. wouldn't have bought it. It was a. terrible mistake. Sure. Doesn't matter. You did. I just wish I would have done a. little bit more research. You're just. going to hold. You're going to have to.

hold it. or take a really big loss. Yeah. Substantial loss. That sucks. You're. going to have to hold it. Why do you. dislike the place? I hate it. Why? The. fees. The neighbors. I'm the youngest. What's wrong with the neighbors? I mean, they're all on the board. The entire. board is in my building. Okay. So, I. have people looking in my windows. I. have people Okay. They're looking in. your windows, literally. Like, literally. like Okay. That's really weird. Absolutely. It's just It's not my vibe. Everyone's older, too. It's a retirement. community for like snowboarding. Why. don't you do research on this? Anytime I.

was a good deal when I buy a primary. residence, you know, which it sounds. like I'm I make it sound like I'm doing. that like every month. No, it's like, okay, like okay, you know, this year I. I'm getting uh well, I technically. already closed on the house. I'm just. renovating it. But and then two years. ago, I got the house before this, right? But what do I do before I do that and. how I saved myself on a house that I. almost got that I was this close to. closing on? I knock on every door on. that street. I meet everyone. I get.

their perspective for living there. I do. my research. I go there at different. times throughout the day. You're going. to live there. You want it to be great. You do your research. This is aing. house. This is a. multi00,000 loan. This isn't something. you just do out of the whim. You didn't. know old people were justing going and. dying. Well, I knew that, but I figured it was. more of a snowbird situation that they'd. be gone like half the year. Did you ask. people? So, there we go. This is your fault. I.

mean, this is just your fault. It's my. fault, but I don't want to I don't want. to be in the. situation. Even though this is my fault. I know it's my fault. Well, they're. saying you put a big trip on here. Oh, yeah. Skankfest. Yeah. Isn't that. comedy? Mhm. It's comedy. Oh, yeah. I. have heard of that. It's so fun. And I. know. Wait, but you can't afford to live. in your own place. So, we're putting. comedy over living in your own place. That's why it's on my credit card so I. can pay for it. That's [ __ ] dumb.

That's not cute. That's not cute. But I. love comedy. Cool. Watch it on YouTube. It's not the same. No, it's not. It's. not. But do you can do things You can do. things you want to do when you can. afford them. When you can afford them, you can't. You can't. You can't. But if I can't afford it now, I I. figured it would be paid off by the time. the event actually comes in November. Well, good. news. Okay, instead of that dumb gank.

fest bull, we're going to have a comedy. show for you. I'm being told that it's. free. So, here we go. The roast. The. official roast. of Janetti. Janetti. Janette. That's Janette. We use fake names. I don't First up, marketing. Josh. I wrote down some jokes for you.

I'm so excited to hear them. Uh, a. slight roast. I heard about your. finances, so it was very easy to be. creative for you. And I'm going start. off with this first one. You're so broke. your idea of a luxury item is a. secondhand paper towel. You're so broke when you applied for a. credit card, the bank instead sent you a. sympathy card. I'm sorry about that. I. heard you're so broke your credit card. got declined at the dollar store. Damn, you can't be doing that. You're so broke.

you wash paper plates. That's rock. bottom, girl. She just leaves them in. her apartment. A make sure you never eat. at her place. You're so broke you count. ramen noodles as a food group. That's. not You don't do I would never do that. Damn. You're so broke when you walk past. a payday loan place, they just laugh. You don't even get accepted there. You're so broke your piggy bank is on a. hunger strike. You know who should go on.

a hunger. strike? You're so broke you bring a. spoon to the Super Bowl. Girl, if you. end up in the Super Bowl, how the did. you afford that? You're so broke your. house plants wish they were weeds. outside. That's You know how tragic that. is? That for me, though. The Super Bowl. is what she calls her breakfast every. morning. Next up on the roast to Janette, the. office's favorite lesbian and video.

editor, Aaron. Woo. What's up, Janette? You're so. broke. Your idea of meal prep is. sniffing a food court. You can smell. that Annie Anns from a couple staircases. away. You're so broke your couch has. more coins than your bank. account. You're so broke your dreams. have a budget. How does that feel? Great. Yeah. You're so broke even your. check engine light gave up. Sort of retires.

You're so broke your idea of fine dining. is a Saturday samples at Costco. You're so broke you steal napkins to use. as toilet paper. That's just sad, Janette. It's really sad. You're so. broke your welcome mat just says help. And that's what it screams when you. stand on it. You have any roast back? I just want to. see your teeth are beautiful. Not really. a roast. And we transition. And last up for the.

roasted Janette, the office's favorite. degenerate, Brandon. Congrats on being. Uh, you're so broke you can't even pay. attention. You're so broke ducks throw. bread at you. You're so broke your. wallet has a cast and crutches. You're. so broke you go to KFC to lick other. people's fingers. You're so broke when. someone rings the doorbell, you stick. your head out the window and yell, "Ding. dong." You're so broke even your.

imaginary friend won't lend you money. You're so broke your piggy bank filed. for unemployment. And you're so broke. your calendar skips payday. Damn. Oh my. goodness. As we just transitioned back, I just read the craziest [ __ ] note. Okay, but either way, there you go. Now. you don't need to pay. for. Skankfest. Okay, you you had your little. comedy show. We provided it for. free. Okay. Okay. So, no more. How much.

did the Skinkfest cost? The ticket was. 600. And that's not including travel and. hotel. When is travel and hotel? The hotel is probably going to end up. being like $400. Oh, for. when? When? November. For sake, did you. can't afford youring life? That's kind of why it's planned like far. away. Well, speaking of Skankfest, what. made me giggle is I guess you're.

also obsessed with Spankfest as well. Sugar. mama. Sugar mama. You pay people after. you. Oh, well, not all the time. And I. don't pay them with money. That's kind. of like I don't know. I'm I'm I'm being. red. Every time she boned someone, she. would gift them gifts. I wouldn't say every time, but I mean at. least three or four times that's. happened. Bought them AirPods and Apple. watches. Take care of my babies.

Was that just their pay? Did they want. to? Yeah. What? Yeah, of course they. wanted. But they were getting Airpods. and Yeah, because I was like, "You're. such a good boy. You get some AirPods. Take care of you.". So, we can't afford life, but we're. buying P and I Airpods and watches. Not all the time, but I would say. sometimes. I'm so confused. You can't even afford. to pay your own bills. I This is This.

makes no sense. Going out to eat was. like 700 bucks. Unknown shopping is. typically it's just like Amazon and. stuff was like 1,300. Miscellaneous. [ __ ] was another almost 700 bucks. So, it's like, what the are you doing? You can't pay. You can't pay to. I just like to make sure they get little. little consolation. Trust me, they were. happy if it. concluded. Well, no, not like that. I. meant more if they finished. Okay. Like.

Jesus. Well, I don't know. Maybe that, too. But this is like, dude, again, I mean, look, I was just about to move on. You've had a late fee this year so far. on this card. You're buying ball sacks. AirPods. You're buying ball sacks. AirPods and yet you're not even paying. your damn minimum payment on time to. this card and you're spending a,000 what. was it? 500 on this card and you're not.

even paying it on time. Why? I didn't. know there was a Oh, for I know that's a. good excuse, but I genuinely didn't know. that. Oh my, dude. I didn't even know my. monthly payment was hundreds in interest. this year so far. Hundreds of interest. this year so far on one card. And then. the late fee. I didn't know. We're still. barely even into this year. I. know. What was the late fee this year or. this month? Yes. No, it wasn't this. month. It was this year though.

The Why wouldn't it be payown time? Can. you tell me that? I know you didn't know. when, but why wouldn't it be? Just being. stupid is Okay, you're done then, right? Like, what's the point of this [ __ ]. conversation if everything we do. anything I'm stupid? Well, cuz I want to. write down the things that I'm stupid. about so I can And you're not. Well, I. am. I'm making mental notes. But you're. stupid. For sure. I am stupid, but I'm. trying to not be stupid. You can learn. You don't have to be stupid forever,

right? I agree. But we're approaching 27. on Monday, you said. Yeah, I feel like I'm doing pretty good. for 27. I'm glad you got into a house. You got into a horrible housing. situation that you never should have. You should have researched. You should. have honestly probably taken our real. estate class before you [ __ ]. purchased the house. But at least you get to watch that for. free now for your next one. If you ever. get out of this house, good luck. Okay. Apple Card.

$1,345.34. Minimum monthly payment. $60. Eight years to pay this one off. That's a long time. It's a long time. You'll be. mid-30s. Massage. Well, massage lux. Yeah. The. It's only $5 for what? I have my.

membership on hold until I get more. money. So, I pay them $5 a month. basically to not charge me $70 a month. So, I can keep my So, you don't even get. the service, correct? Oh, for sake. This. is so moronic. This so moronic. You. spend double what you make in your Spain. to keep a subscription on hold. What the. are you doing, bark.co? You spend enough. on the pup. Apple bill. Pull up your. phone again. You got a ring plan so you.

can like see the theing someone. collapsed with a heart attack in front. of your door. Yeah. Or the old people, you know. I. just want to make sure they're not. looking in my windows. Won't you see. them? No, I'm not. Would that not be the. same? Give I don't need to see your. apple. I didn't know. Okay. just have iCloud Plus. Yeah, that is that bill. It's the iCloud.

Plus extra. storage. I don't [ __ ]. know what. So, what's up with this card? So, this card is basically like it's, you know, it's easy when you're on your. phone. It's the first card that comes up. when you go to pay stuff and it's. connected to all my things. um like my Bark Box and stuff like that. Yeah. Um, I did see that there's a. couple things on eBay that I purchased. on that card. What are we getting on.

eBay? Who's using eBay? What are you. getting on eBay? I love eBay. Congratulations. I'm sure you do. You. love getting things that show up to your. house. I know. That's your pass. I just. love I love stupid fit. I love buying. dumb shirts. We've That's how this. conversation started. Yeah. Dumb shirts. Yeah. Like like who's a good boy? Yeah, that is a dumb shirt. Yeah, I know. I. got on eBay. Oh, we're going to. potentially go bankrupt for dumb shirts. Interesting strategy. Is that your. version of comedy? You love comedy shows. so much. Your comedy is Who's a good boy. on our shirt? No.

It kind of just sets the tone. How much. you spend on this bull? I try to get. like $10 shirts. How much do you travel? Uh, I travel I try to get out of the. state like two or three times a year. How? You can't even come close to. affording that. Like credit cards and. stuff. You can't. And you probably go. [ __ ] wild when you travel, too. Well, just look at you. You can't control. yourself while you're home. I mean, I. honestly I just black out. You know, the. time that you're on vacation doesn't. count towards the time, which is great. when we go on vacation once a quarter.

Mhm. I just like you make like 50,000 a year. before. taxes. Four vacations where we just. black out and spend all our money a. year. Gooding luck. I know. I just again. I goes back to the I like I like it. I. like I know what you like. I don't give. a for sure. I'm I'm I like it. I like I got friends. in Colorado. I got friends in Colorado. I have friends out here. FaceTime them. right now. No. Instead of traveling to.

Colorado, but Colorado's cool. I'm sure it is. You. can't afford that. What? Oh my. You You. are you not understanding that it's like. great. I understand it's nice. I. understand it's cool. I understand you. want to do it. You mathematically cannot. afford it because you got fired from. your last job because you're. irresponsible and don't know how to do. your. job. That was the fault of you and you. alone. Whether or not it was a petty. hire fire, you still did something. incorrect and you got fired. Oh no, the.

consequences of my own actions. Who. would have thought? Okay, so that. happened. Now you make less money. You. can't live the lifestyle you did before. That is you making choices. I don't give. a [ __ ] if it's fun. It's all on you and. you do not have to say yes because it's. fun for the sake of your future. I. obviously see that. So you need to sit. down with aing therapist and figure that. [ __ ] out. I'll gift you therapy. Three. free sessions with Sandreine. They use.

them. I use them. They're great. Work on. these coping mechanisms. Learn to say. no. That's hard. I know things are hard. Say. two things. That's hard. It's fun. It's. hard. It's fun. You're never going to do anything if. this is your if this is your brain and. you didn't know how [ __ ] people. banged at 19 and then you pay people the. after that like it's like okay when you. say that sounds that sounds bad when you. say it like that. Paying people to.

sounds bad. Reading it as I say it. Hanging out with. someone for a month and then being like, "All right, here's some AirPods. Tata.". That's different. in my opinion. So. weird. Okay. I I don't know. I I just You're You. haven't grown as a human mentally, but I own a house and a business and I.

have a job. You're underwater on your. house by $55,000 and you want to sell. it. You have a business that makes $300. a month and you can't operate it out of. the place that you live in, which is. where you're operating your business. Shut the up. You have there's there's. nothing to be proud of here. I feel like. I have the things in place, just not the. best execution. This is a business credit card. Mhm. Over the past year and a half, my team. and I have worked with experts to create. the literal best four financial. education programs on the entire.

internet. And even with a full month for. a money back guarantee, we have the. lowest refund rate in the entire. industry by far. are. So, I'll teach you. how to budget no matter where you are in. life. How you should be investing based. on your investing profile and how to get. into real estate for the very first time. or grow a massive rental property empire. like I have in my own life. And I can. also teach you how to get out of bad. debt, but also utilize good debt to your. advantage. And each of these is.

available individually in the education. section in the description below. But at. the top of that section, you can also. bundle all four of them together for 15%. off. So, join the over 10,000 people who. have gone through my educational. programs and have changed their lives. And to learn more, just go to. calebhammer.com or just click those. links in the description below. Okay. Yo, $2457.16 with a minimum monthly. payment. You purchased.

$353. [ __ ] sake. I think it's just gas. though. Oh, we'll see. Minimum payment. is $25. So, this will never be paid off. How long will it take to pay off? It. doesn't say, but it's going to take. forever, that's for sure. My. goodness. Um, yeah, some of it's gas, but there's also tractor supply. Dog. food. $152 in dog food in one purchase. That's. dog food and cat food. Sounds like the. How many pets do you have? Well, I'm I'm.

a pet sitter, so I always have to have. extra stuff on hand. Like, I always have. food, though. The owners have the food. It's always good to have extra and I buy. it in bulk. Yeah, but feeding them. something outside of their diet is going. to make them not necessarily. Sometimes, yeah, but I have some dogs that are just. like I'd be pissed if my dog watcher fed. them some out of diet food. Not what if. you didn't send me enough food to watch. your dog. I would. Not everyone does. compliment. Okay. So, it's it's when. they're with you for But you can't do. that in your place business. So, let's. say I still do it.

They can [ __ ] like they threaten to. find me $100 a day until they stop. Yeah, I know. And it can get worse, too. Yeah, but nothing's ever come about it. since I got that one thing in the mail. How much you spend on the on pets on a. monthly basis? I honestly don't know. A. lot of What do you think? Probably like a band between dog food, treats. Band. That's a thousand, right? $1,000. Okay. Yeah. I mean, it's just like just.

buy a lot of for the business and,000. hours a month on it, but you make 300. So it's like it's like yeah what a great. business you're running. You go in the. hole for it. But I do make more money than 300. That's just how much then? I would say. it's definitely less than 5,000 a year. since I can't pay fulltime on it. I can't dedicate it even 5,000 hours a. year. Let's just say. that $400 a month. Okay. So Okay. I was. a little off. I think it's I think it's.

a little bit more than that. You said I. don't even bring in 5,000 a year. I gave. you 5,000. Yeah. I I think last year I. did well because I had more time. dedicated to it. But now that I have my. 9 to5, it's probably more accurate to. $300, $400 a. month. But prior I was making way more. cuz I was able to spend more time on it. Oh my gosh. Oh, they'reing they're. [ __ ] with me. They're saying she. spends $400 a month on something stupid. What else do you spend $400 a month on?

Is it? Is it? You tell me. I don't know. Better. not be. Is it? It's a ton of money. I. thought Is it? Oh, it is. Oh, you spent. literally. $420 this last month on week. Are you. [ __ ] kidding. me? Oh, are youing kidding me? That's. insane. That's kind of cool, though. 420. Yeah, that's hilarious. When you. can't literally afford life, you are a. joke. You're an excuse for a human. I. have no respect for you. I have no. respect for you. I hope you do well, but.

I have no respect for you. You're a. joke. You're a child. You're a joke. I'm. sorry. I'm telling it as it is. No more. roasting. No more little comedic kits. You're Or you're a child. You're a. child. You've never developed beyond. like 12. And I have no respect for you. But I have all the adult stuff. Underwater on a mortgage. Is that an. adult thing? Oh, yeah. It is. A lot of. people are underwater on their mortgage, but at least they have a house. Is that not normal? Like, isn't it like.

a recession or some? We don't. know. We have to have two quarters of. GDP decline for a. recession. 2.5% of people with mortgages. are underwater on their home. No, the. majority of people do. not. In fact, at basically the worst, which is the 2008 mortgage crisis, was. 23%. So, not even a full quarter. So, no, that is not the adult thing to do.

You're in a small minority of people who. gotten way over their head and didn't do. the research and over their their lives. But doesn't it make my credit look good. that I own a house? Uh, your seller. finance probably isn't showing up in her. credit. Oh, right. Is he reporting it to. the credit bureaus? I don't think so. I. don't know. I'd be beyond surprised. I. honestly actually I'll be honest. I I. don't even know. Me neither. Yeah, it doesn't automatically appear on. your credit. Uh but you can potentially.

get seller financing reporting. Uh you. would have to take extra steps or they. would have to take extra steps using. like a loan servicing company or. reporting it via thirdparty services. like rental karma or or payment report. or Zingo. And you can establish a formal. loan agreement which I'm sure you did in. order to be report that history. So, I. mean, it's. possible, but also just don't people. over. You took this. Hopefully, they. just take it back if you don't. I mean,

they could. That'd be like best case. scenario. I I would love Yeah, but what if they go. through the steps because you them over. reporting that like a seller finance. foreclosure? You want that on your. credit? I don't know. I don't know how. that works. I just figured anything to. do with a house will Sounds like they. can at least attempt to get in on your. credit. That would be cool. No, the foreclosure. Oh, oh, oh, yeah. No, no, that would not be cool off, dude. I just checked this. So, you just. spent $1,000 a month to bring in 400 at.

it at the max. It's This is moronic. This is not a business. Don't call it a. business again. It feels like charity. No, for sure. Yes, that's close. Okay. Well, this credit card has $0 on it, so. I don't know what I'm why I'm seeing. this. Oh, I think that's my. car. Oh, there's a car on the second. page. Well, it's in a 2.25% 25% interest. rate. I wish your house was this that's. a good rate for a car. What is the car? Uh I have a 2018 Hyundai. Tucson. Balance is.

$5,250.68 and the minimum monthly. payment is $427. I mean, it's chunky. Chunky. Probably a shorter term. I don't. have you had this. How's the condition? What's the car like? I bought it in. 2018. Um it's a great car. I love my. car. Uh, I do fly through tires like a. mother, though. Why? Cuz I drive all. over town for this stupid charity job. that I love, but I need to figure out. how to make money on it. But I've gotten. at least two sets of tires in the last.

year. Well, I'll gift you a course career. certification. Use the accounting one. for your own business. And uh I think. you'll learn that $1,000 out and 400 in. equals no. But how do I get to make more. money than $400? We already talked about. this earlier. What the I thought you. were taking mental notes. I thought that. was your special superpower. That's not. a superpower. But I do want to know. You. have to charge more. You need to charge. locally so you're able to go in between. places quicker.

And and uh you got to just cut out the. people that are far away and you're not. charging enough or no more charity. You. said it feels like a charity. We can't. be like a charity anymore. I know. How much do you think the car is worth? Um, probably like 7,000. We're seeing. Well, what condition is it in? That's. pretty good. Um, okay. Pretty good. Like. fair, I guess it would be. Okay. It's. probably worth like 10,000 then. We're. getting 14,000 for good condition. Oh,

wow. Cool. Yeah, that's not bad, right? Yeah. Yeah. Yeah. Yeah. You're. underwater in your house, not your car. I'd rather it be the car than the house. But But I could always live in my car if. it's if anything happens. Is that Is that you being cute or is. that a real That's like a real thing. If. If I If I'm homeless, at least my car. will be paid off. Sick, man. At least my. car will be paid off. It's okay to be. homeless.

Great. All right. Student loans for what. degree? It was a technical college. Uh I went to. be an aesthetician. which is aesthetician. Really skin and. nails. Yep. It just really doesn't make. much money. Yeah. That field. It takes a. long time to make decent money in that. Okay. And it was awful. Uh I was a waxer. and I only did it for about maybe 6. months. The [ __ ] you doing? Why are you not. paying on it? They'll garnish your.

[ __ ] wages. I I think it's called. deferred. It's deferred or something. like that cuz No, I see a regular. amount. 50 bucks. I told them that I. lost my current do zero. Yeah. What what. are they going to do when you file taxes. and they say, "Oh, she has a job." Well, the that comes off I think it automatic. They gave me a year. Okay. Year until. when? When's the year? I think it I. start paying back on it in June, July. Okay. So, it'll be 50 bucks. I'll just. put that in your budget for now. But you.

you you stopped. Yeah, dude. I was a. waxer. I saw that means nothing to me at all. You were waxing. I was waxing vaginas. and dirty buttholes. Did you just Oh my. gosh. You really do infantilize. yourself. You chose to get into it. Also, it's just a private part. Who. gives a It's not It's not [ __ ] porn. I don't I'm so confused. You were It was. a job. It was just like if you were. doing something medical as well. And if. you're uncomfortable, don't go into it. But don't do the I was 18 and I saw a.

naked body. Oh my. Where are you? You're. literally a professional Redditor or. Twitter user. You are a child. You are. the most Gen Z. I don't hate Gen Z. I'm. in that weird Gen Z millennial hybrid. anyway. So, it's just like whatever. But. what the what is this infantilization? I'm 18. I'm 19. I've never heard of sex. Oh, 18. I saw if I saw a Oh, no. I can. handle [ __ ] and I can handle butthole.

But when a [ __ ] is coming and running a. mile and then comes in like, can I get a. full Brazilian? That is Can you give her. a towel? I can wipe her with a baby. wipe, which she she But you can't have. her. That's a little bit. Is there a. shower there? No. No. Okay. Um Yeah, baby wipe it up. Okay. You didn't like it, but don't do the I. was 18. I just felt like it was a lot. for me at as that age. that if literally. seeing a naked body for you was a lot at.

18, then you probably shouldn't be out. of sight of your parents. It was nasty. I can handle all the I can handle. bodily, you know, I can look at a pair. of tits and a vagina, but a stinky, nasty, gross coming. I don't think it. has to do with 18, though. I think. that's disgusting. I wouldn't like that. either, but not cuz I'm 30. But I'm. throwing that in that I was also 18. That shouldn't matter. I just got out of. high school. Well, I didn't again. I. didn't really know what's going on. I. was just Were you not raised? Like, what the what? What is this? Why.

are you assigning childlike behavior to. yourself? You were an adult. People. literally go serve in wars at that age. I don't give. a if it is too scary to see something. that is stinky at 18, then you should. not be driving a multi-tonon vehicle at. 70 mph. You probably shouldn't be. allowed to leave the house. You probably. shouldn't be allowed to work a job where. there are high pressure situations cuz. you are too immature. If you are. incapable to exist at 18, you shouldn't.

be allowed to do anything. You can. either infantilize yourself in nothing. or in everything. If seeing something. stinky is too much for an 18-year-old, then you need to be locked inside and. coddled by your dad and be assigned a. marriage. That's that's a bit much. Not really. If. you are literally incapable. of anything at 18, then I am not going. to let you go have a job where someone. might be a little upset if you don't do. your job properly. I'm not going to let.

you drive a truck down a road. I think you I'm not going to let you go. to college where you have to be. responsible for yourself barely. I think. I'm pretty responsible. I mean, I moved. out of my mom's when I was 19. I can't. be that in infendy. Like, well, you it. was your words, dude. I was using your. own words. That I'm a child. You said. that was a lot for an 18-year-old. It. was not really. Most of us being in high. school. I don't know many 18-year-olds.

that have a grown-up. job that also moved out of their. parents. Do you live in a daycare? I No, I live in a shitty town that everyone. lives in their parents. A lot of people. go to college, which means they move out. at 18. That is a very common thing in. our western American culture. In fact, it has been more common historically to. move out at 18 since at least the 40s. and 50s in our culture. I don't Well, then where you're from is it is okay. cool. That doesn't matter. You don't.

know people who have jobs at 18. That's. on them. A lot of people, mying brothers, a lot. of people I know, we go get a job at 16, so we can pay for the car, so we can pay. for the gas, so we can do the things we. want to do, so we can go live an. independent lifestyle. You're soing. coddled. What a disgusting joke that the. your ages. It's crazy. And you're like 2. years. You're like four years younger. than me, so it's not even that big. You're not even like like you're not. even 18 now. When you were 18, I wasing. 22. We are not even that far apart. And.

I didn't act like this. What is wrong. with people like you? I will never. understand. You should I was excited to. be an adult. I don't know what the [ __ ]. is wrong with you guys and children. Good luck ever existing in this world, man. You make me sound like a boomer, but my There actually is something. wrong. There actually is something wrong. with the generation. I guess just with. some people, the permanently chronically. online 18-year-olds who got separated. from reality during CO because they were.

locked inside. you know, that's what we. all did, but they just couldn't operate. in the world after that and they've just. they're mentally children for the rest. of their lives. I don't know what the. happened. It's crazy. And I never. realized it until I started the show and. had to talk to people like you. It's. crazy. Okay. Is that it? Is that all the. debt? That looks like all the debt. [Music]. I think. so. Pardon me. I feel like I didn't. write something down. I have to look. back real quick.

I'm going to write down the car. How. much is on the car? 4,000. something. Four or five something. 4820 with a minimum payment of what? I. think it's 427. 440. Hey, we have $500 in our checking. account. We're just going in getting. some bull. Probably vaping. I can't. believe how much you spend on [ __ ]. weed a monthly basis. That's crazy. It's.

like. And that's just on my card. That's not. even cash. Spend 15% of your income on. what a joke. 50% 15. Oh, holy [ __ ]. Still insane. Uber Eats. Oh my gosh. 25. bucks there. Rib City. Venuing out. money. Zachby's Uber Eats. Uber Eats. PayPaling out money. India's Grill. Clover. Venuing out 15. Downtown House. of Pies. Starbucks, Uber Eats, Uber. Eats, Uber Eats, Spotify, Uber Eatats,

Etsy, Uber Eats, Uber Eats. Oh, for. sake. Slice Life Uber Eats. PayPal and. eBay. Uber Eats. Uber Eats. That's so. going to get into B and. McDonald's. That wasing stupid spending. for someone that can't survive plus. another 400 on Good. luck. Good luck, dude. $100 and Oh, no. $100. Is this savings.

down from. [Music]. 914? Oh, for sake. Well, here's another. account. 2,600. So, what's what's that? I think that's my business credit card. Uh, for gas. No, it's not a credit card. Business savings. Do you have 2,600 in savings? Um, is it. gone? I think I have a savings. I think. it's about 2,000.

Okay. No, for sake. $731 in Robin Hood. Okay. Yeah. Yeah. Oh, this one's actually pretty. good. Oh, looks like you've been. contributing to retirement. This is a a. weird randoming just like pile of gold. and a stack of like $50,000 in. retirement. And for your income right. now is actually on track for retirement. If it was your income of your last job, no, you wouldn't be. But okay. Wow. Well, let's see if we can.

budget you. I can't behavior and mental. you, but see if I can budget you. What are you even invested in when it. comes to those? I couldn't tell you. The Robin Hood or. in my retirement? I have no idea. I had. people pick it all for me. Who picked? My friends. I know. Oh, I hope that. $50,000 stays there, but I don't know if. it will if your friends are picking it. Yeah,

good luck, dude. Okay, $3,600. Let me. sit down with the financial adviser next. time. Debt and payments. Okay, $78, not including the mortgage and HOA. Mortgage and HOA, we know 1,850. Okay, what about gas, electricity, utilities, internet, all that stuff combined? How. much? 500. gas room from drive drive. You drive a. lot just in gas probably $200 a month. like driving gas. Sounds crazy. I. thought I thought it was going to be car. insurance 140. Phone bill. Um I have.

mint so it was like 200 for the year. So. okay, that's not. bad. And we always tell people to get on. helium for 15 bucks a month. That's also. very good. It's very similar. So, uh, we'll budget you out to the We'll. technically would actually save you. money. Uh, 17 bucks a month for that. Necessary food, 300 bucks. Use our meal. plan again. Cookbook. Cookbook. Use it. Budget friendly cookbook 300 bucks a. month. TP fun. 100 bucks. Anything else.

you need or want if you have. extra medical, healthcare, anything on a. monthly basis? Yes. Uh, probably like. 150 subscriptions? No. But pet. insurance? Mm-m. It's included with my. job. Okay. Pet food. $250. That's for dog and cats. Okay. Yeah. I mean, you're. underwater. That was pretty clear. $4,215. $615. Yeah. I mean, the selling.

the the the house situation's a bit. weird, but I mean, you're under 55, so I. doubt we can do that. And that's not including the other gas. Not room v room v room v room v room v. room v room v room v room v room v room. drive drive drive drive drive drive. drive drive drive drive drive drive. drive drive drive drive drive drive. drive drive drive. What's the other gas? It's also not including we no you. Okay. All right. I was going to think of a. plan but you that pisses me off. Spending a budget over spent. Zero out. of 10. You It's not the worst debt. You're.

underwater on your house. It's not. great. Two out of 10. Emergency fund. 2,000 bucks. 2 out of 10. Retirement 10. out of 10. You're actually there for. your age. And real estate, it's not. great because of the situation, but if. you held it might work three out of 10. Retirement is actually what's going to. hold you. You might get to that before. that number that you said before that I. wasn't. expecting. Yeah, hammer financial score. rounded up 3.5 out of 10. You don't. deserve it with that last statement. Pissing me off. Whatever. All right.

Join us in the post show, ladies and. gentlemen. And if you want even more. content, thousands of hours, join the. best YouTube membership on the entire. platform. Join the Hammer Elite version. You can watch the post show there and a. bunch of other shows. And if you don't. want to be like her, download the. Simpler Budget app and you get the. cookbook signed by me mailed directly to. your door if you sign up for the annual. version. See in the post show, thousand. dollars on that is a low life level. behavior. You're paying your boyfriend. to be with you. I mean, I am. That is. loser behavior. How many AirPods have. you bought him? One. Just one. Oh, did.

you get him an Apple Watch, too? Um, are. you doing this so you can like track. them? Exclusive members content. Click. the link in the description or pin. comment below and watch thousands of. hours of extra and uncensored content.