She Blames MAGA For Her Debt | Financial Audit

I am actually kind of in debt because of. the past election. >> If Kamla was president as well, would. you be saying the exact same thing that. because of the last election you have. lost money? >> I'm actually really good with numbers. and I get told all the time that I. should have been an accountant and as. much as I don't want to. >> Why are you crying about being an. accountant? >> Because I don't like the job. >> It's got to be better somewhere else. It. has to be better anywhere else. With a. refresh look and upgraded features, download Dollarise, the best budgeting. app there is, and until October 27th,

you can lock in the first 3 months at. over 30% off. Or upgrade to annual and. save an additional 25% and get a free. signed cookbook by me. Download the. Dollar Wise budgeting app today and take. advantage of your free trial. >> Hi, I'm Lynn. I'm 31 from Kansas City. and this is Financial Audit. >> Yes, it is. Thanks for coming down to. Austin. What do you do up there for a. living? >> So, I'm a hair stylist. I own a salon. and we're building out some stuff. >> They are curled.

>> Yes, they are curled. >> I see. Yeah, that's what a hair stylist. would do. Very good. >> I'm trying to permit. >> Trying to Is that a multi-week process? >> It is. Your hair is not healthy enough. to do it, >> huh? >> Yet. >> Yours? >> Yep. >> You said yours? >> Yeah. Talking about me. My hair. >> Do you talk to yourself in the yours? >> I absolutely do. >> Okay. I have third person conversations. all the time. >> Hopefully not out loud. >> I work for myself, so kind of.

>> But there are people in the chair. If. you start having conversations with. yourself while you're doing their hair, they might be afraid that you're the one. with razors and scissors. >> They are just as crazy as I am, actually. It's fantastic. >> Oh, okay. Okay. Very good. So, you must. be making good money, business owner. I'm hoping. >> Um, not as much. >> Mhm. M we've got kids at home and they. are kind of the priority. >> now. Okay. When you say we see I don't. know are we talking we as in you. >> Yes. Sorry. I have kids at home and they. are my priority. So I.

>> That's fine. >> I make so that I can show up for them. I. choose to make a little bit. >> to help. So it's just you. >> It is just me. >> Okay. Good. How many Well, not good, but. whatever. It is what it is. We're. dealing with it. How old are they? How. many kids? >> Two. Nine and 11. So, what's going on? >> So, I am actually kind of in debt. because of the past election. >> Wait, >> I know it's kind of crazy.

>> Well, at least you acknowledge it. What. the do you possibly mean? I don't know. anything that happened the day of. election or inauguration that was like. all of a sudden here's a loan in the. federal government. Please have it. So, most of my clients are affected by how. the economy works, including my. >> Well, that's everything in the service. based economy, >> including my boyfriend's work. He's in. construction. You have a boyfriend? >> I do. >> Um, and his income has been affected. drastically. And so,

>> or is he in construction? >> What do you mean? Like, >> what kind of construction does he do? >> He mostly does flooring, but he has done. whole home remodels. He does some. handyman work here and there. >> U, but a lot of that work has slowed. down as well. That's interesting because. if I'm not mistaken, especially when uh. home prices were soaring, as materials. were a little more expensive, people. also stopped renovating as quickly and. that was in the high inflation time. >> Wouldn't that have infected his job as. well about 3 four years ago.

>> so. >> and then got a little better for a while. and you know. >> for a little while? Yes. And we were. kind of doing okay at that point. Now we. do live separately and we handle our. finances all separately. >> You've broken up. >> No, we just live separately. We have. fun. >> You say now. >> Yes. >> You were together. >> We are together. >> No, you live together. >> for a short time. >> It's usually indicative of a great. relationship moving out. >> We did not agree on how some of the debt. situations were being handled and to. keep.

>> also indicative of an incredible. relationship. >> Outside of that, it's actually. wonderful. >> Sure. Outside of the things where we. agree on life matters, it's great. >> Yeah, it sounds like a nice friends with. benefits. But we to keep each other from. getting tied to each other's debts, we. decided to live separately. >> What do you mean? You weren't married. >> Yes. >> Living together doesn't all of a sudden. make it a legally binding thing. >> Common law comes into play. >> Are you in like common law marriage? >> No. Because And a big reason to avoid.

that is or a big way to avoid that is. not living together. We don't share a. mailing address. >> Mhm. So it can't be insinuated or taken. as we are living together and presenting. as a married couple because we aren't. and we don't. >> So going above and beyond in that. So. last election. >> Yes. >> I'm a little confused on exactly what. you mean by that. Now I know job. numbers, jobless numbers, unemployment. overall. I've covered this in the live. streams on the Caleb Hammer Live YouTube. channel. Ever since like the height of.

the best employee market in the history. of basically humanity about four years. ago, you know, jobs gain on a monthly. basis has been a steady decline. You. know, people think the president has a. lot more impact than they do. Now, you. could yell tariffs, you could yell a lot. of things, right? Which I'm sure you. will. >> No, >> no, >> no. I really don't think they can impact. as much as people say that they should. >> Well, they can. It just takes longer, right? And even the Federal Reserve, Jerome Powell, who is not the biggest. fan of Trump, uh, specifically says we.

will not see the long term the the. effects of tariffs for like a decently. while it takes a long time to filter. through the economy. >> Yeah. >> People get hyperpolitical and excited. online like, but you know, it's it's. whatever. But we're on the same. trajectory and trend that we have been. in terms of job numbers added on a. monthly basis. Like I I if we would be. almost in a very similar economic thing. we're in right now if Kamla was. president as well. Would you be saying. the exact same thing that because of the. last election you have lost money? >> Probably.

>> So, you blame everyone but yourselves. >> No. Um, >> you can blame economic conditions. I bet. people do less home renovations when. things aren't as juicy. It's it's people. borrow for home renovations. Interest. rates are still high even though they've. come down a little. Even still, people. are less likely to invest in renovating. a house when interest rates are high. couple years. >> I looked at potentially moving out of. the country and it's just never. feasible. >> What does that make sense for? In in. what? In what way? >> It's got to be better somewhere else. It. has to be better anywhere else.

>> Anywhere else? >> Anywhere else. >> So, you'll be moving to subsaharan. Africa. >> I'm like, what did he say [ __ ] me for? >> No, probably not. It's too hot. >> He said anywhere. >> Almost anywhere. >> Oh, okay. Pushing the goalpost a little. bit. >> Just a smidge. >> Okay. Where is it better for you? Salon. owner, business owner. >> Um, salon owner, business owner. I don't. know. I have. >> I'll tell you an economy that's doing. pretty well in Europe. I'm sure you. really like Europe. Poland. Poland's. increasing. Poland's doing very well. But you know what would happen if you.

employed other uh people in the salon? You know what happens? If you want to. fire them, often times depending on what. contracts you're on, if you want to fire. them, you still have to actually keep. them on for about a month, two months. depending on time. >> Well, luckily my boyfriend doesn't agree. with that plan. your boyfriend who. you're definitely not going to get. married to and are not connected to in. any way whatsoever. So, okay. Yeah. So, he likes living here. I mean, it sounds. like he has his own business, right? >> Yes, he does. >> So, yeah. Why would he want to leave?

>> I understand. That's where the his logic. and my logic sometimes don't always mix. >> Now, I'm concerned. We can blame. economic conditions for certain things, but you went to blaming the election. >> Yeah. Um, a lot of things. >> that's a lot that that is just someone. who does not take any kind of. accountability or at least any kind of. objective. intake of information about the economy. >> Yeah, kind of. >> If you want to go straight politics. about it, there's there are certain.

things if if if the if he made it. illegal to renovate houses, yes, we. could blame that. >> I think a bigger part of it is that they. a lot of places are worried about things. going into recession. >> Yes. And that would happen in the if it. was the other administration too. >> Yes. And so they a lot of stuff comes to. a complete halt. It doesn't even just. slow down. Like 80% of the work. disappeared. >> Exactly. That's not the last election. though. That is interest rates being. high. That's the purpose of interest. rates being high. To cool the economy, bring down inflation. And when you cool.

the economy, you bring it down. And you. usually when interest rates are this. high compared to, you know, the average. of interest rates in the past decade or. so, when they're this high, statistically a recession follows. So. no, >> it's about when it all start. >> and I'm not jerking off the president. I. don't give a [ __ ] about that. But when. you're going and you're blaming. something on something like that instead. of actual, you know, objective. information. >> It's the thing that makes it put it. together. >> It's a coke. >> because so many people stopped so many. of the businesses that he was doing work.

with and contracting with. >> maybe they picked other businesses as. well. >> They completely shut down. So all of. that work disappeared entirely for the. businesses that shut down. And also, why. does this matter? This is your. boyfriend. This isn't you. You guys. aren't married together. You're not dual. income. Like, I'm sorry that sucks. I'd. give him a handshake and a hug, but this. isn't you. >> because the goal long term. >> What about you in your business? You. said you're not doing well. >> No. Um, >> that's the last election. >> Yes. It's gotten much worse since the. last election. People do still have.

hair, but the grocery prices, at least. for I'm at have gone up drastically, and. they are having to now choose going to. the grocery store, getting their hair. done on a regular basis. >> Okay. Depends on the food item. specifically. You know, the food item. that went up the highest in cost this. year so far. >> I don't. >> Coffee? >> Probably. >> Why? >> I don't know. I can't drink it. >> But you're trying to blame everything on. can't drink coffee. >> No. >> Is your body Why? >> Uh, I have heart problems. I can't have. caffeine. Don't do that. Okay. Yeah,

>> we avoid it at all costs. >> Oh, good. We as. >> you. Um, coffee. >> Yes. >> A lot of people thought tariffs. I. thought tariffs. >> Then I actually looked into things. instead of just blaming the last. election. Bad season in Brazil where we get a lot. of our beans. >> Was it really? >> Yes. >> Huh. >> Lots of drought issues. >> That makes sense. >> Dramatically affected the supply, dramatically affects the price. When. you're actually interested in learning. instead of immediately going into.

politics of good guy, bad guy, my team, your team, you actually get to learn. things and blame things. Some food. prices are down, some food prices are. up. Coffee is dramatically high. Eggs. went high have relatively come back. down. Not perfectly. Meat is up. Um, some produce berries are down. >> Yep. Are you suggesting that everyone in. the median United States in your area is. choosing, you know, oh, let's make sure. we choose our steak over getting a. haircut? >> Yes, you're on the supply of services.

You're on you're on the end of services. that like people wouldn't go bougie over. in a downturn and people are a little. more nervous now. So, I can I can. appreciate that to a certain extent, but. you are overexaggerating the potential. impact of what things are like at this. exact moment. This isn't great. recession. However, it still uh has. impacted us severely. >> Us who? >> My my family. My children. Myself and my. children and all of our hair stylists. >> Tell me what's happened. >> I have a lot of this debt. Um because we.

are my significant other and I are. trying to start a business. We are. building out some salon suites. >> The economy is so bad. >> We um. >> Wait, but your own salon isn't working. Why are you building out more? >> I have a salon suite that I work in. And. it is licensed as its own salon. We are. trying to. >> You have like a booth in a salon is what. you're saying? >> Nope. I have a whole private room like. this room. It's an entire private room. >> It's one of those buildings you walk in, there's a ton of private rooms. >> There's only five. >> Okay. So, there's only five in this. little building. Gotcha.

>> And it's more of a style. >> But what I'm explaining is correct. It. is one of those places. Yes. >> Yeah. >> Yeah. Sometimes there's a little hair. massage booth. Sometimes there's a. little Yeah. >> Some of them are offices. >> Exactly. It's a It's a little rent the. space. Got it. >> Sure. Um we. >> And you're trying to get more, but yours. isn't successful. >> We're trying to get You're blame the. economy instead of. >> We can have um other renters that can. come in and rent those spaces. >> So you're trying to buy real estate or. you're going to subleasase. >> We're right now we're going to sub.

lease. attention to. >> But if the economy is not good right. now, if your entire justification for. why you're not doing well is because. people are not willing to go spend on. hair, why would you go rent units for. hair being done that you would sublease. out? Cuz if it was if yours was impacted. because of the overall economy, it would. affect everyone. Now, I'm a little. skeptical to a certain point. Some. things are impacted. Don't get me wrong. I want to be very real about that. And. one of the things people cut on on are, you know, services and things like that, but you know, personal appearance, that.

is one of the things that people do. still care about and will spend money. on. >> I'm skeptical of you, the hours you're. putting in, the price comparison in the. area. >> Yes. >> What research have you done price. comparing in the area for what you offer. versus what the median is? >> So, there are, I think, 13 hair salons. in town, and I am on the like lower side. of average price-wise. M. >> um a haircut. You're. >> making me even more skeptical. Something's wrong. >> Haircuts in my town range between.

>> uh $45 and $75. I'm at for haircuts at the $45 range. Some color services. >> Something's wrong cuz they would but. people will still get their haircut. That is an objective reality. They will. go to the cheaper one. If they're not. going to you, there is something more. wrong than you're willing to admit. >> Most of my services are color services. >> Okay. Well, yeah, people are going to. cut back on that. >> Exactly. And that's where the majority. of my income comes from. >> Business. >> Help me do that. I don't know how to do. that. >> Focus on cutting hair. You just already.

answered that yourself. What do you. mean? You just answered that yourself. >> I do cut hair. I just don't I don't have. any just haircut clients. >> That's what we're focusing on building. That's what you're doing any kind of. meta advertising on social media. posting. >> Yeah, I don't do a whole lot of that. either. >> Well, yes. Why would you do that as a. business? Huh? It's almost like the. things that you immediately try to blame. aren't what's actually holding your. business back. It's almost like you are. not serving the clientele on what the. market is demanding. Who would have. thought?

>> I struggle to remember to do that cuz. it's a lot to manage. It is a lot to manage. >> Paper. >> Uhhuh. >> Pen. Shut the up. What the What kind of. [ __ ] use is that? Um, I struggle at. remembering things and staying. organized, too. I set myself reminders. on my phone endlessly. >> I raised two kids. I raised two kids in man. >> No one's ever done that in the history. of humanity. We're not all here because.

other people have had kids or anything. That's never happened. That has never. happened ever through the entire. multihundreds of thousands of years of. human existence. What? 250,000 years? I. forgot. >> I don't know. I couldn't tell you. >> You have kids? >> Yeah. >> Uh-huh. I managed them by myself. >> Oh my goodness. No one's ever done that. You'll get sympathy. Absolutely. You get. sympathy for me to a certain extent, but. you blame everything on anything outside. of what you're doing. You can set a. phone reminder. You having kids doesn't. take that away.

>> It's harder to manage doing that on top. of taking care of them and doing. everything to No. >> So, you set a reminder. That's what I'm. saying. Having kids does not prevent you. from doing this. Boom. And then you set a reminder. It's. as easy as that, dude. Kids does not. take that away. Your life is a little. more hectic, but you also have a. boyfriend. >> What are we doing? How many hours a week. do you work? >> Um, so I average 20 to 25. >> Okay, there's another failure. Number. two, these these things you want to.

subleasase. Do you already have them? >> Um, so we have the space that we're. building out each of the units. >> Okay. So, >> how many units are you building? >> Seven. So, it'll. >> be. >> Are these seven individual rooms? >> Yes. So, you already have how what's the. square footage of this? >> Uh, the whole build, the whole unit, the. whole large unit we have is 1,400 square. ft. >> Okay. So, these are going to be quite. tiny rooms. Okay, got it. >> Actually, larger than some of the other. >> How long have you guys had this? >> Um, a year. Just over a year.

>> The is wrong with you? >> A lot. >> What's taking you so long? >> A lot is wrong with us. >> Us as in you. >> Me and my boyfriend since that's what. we're working on together. Yeah, that might be projecting on to. him. Why is this taking so long? >> Um, so. >> it's been a year. It's been 14 months. Over a year. >> Yes, it has been. >> Oh, for sake. >> I know. I said the same thing. Um, we. were in a car wreck. My me, both my kids. and my boyfriend. In August of last. year, we signed the lease.

>> last year. >> Yes. We signed our lease August 1st. >> If you said August this year, I would be. like, "Okay, August last year." I'm sure. that was traumatic. I'm sure that's sad. I'm confused. Why has this not been. built out in a year? >> Um because along with the loss of income. and the. >> loss of income. >> with all the thing with his work. >> all slowing down cuz it's something. we're doing together. >> You shouldn't. Why are we mixing. relationship dating, not even marriage. into a business, >> but we're doing it anyway. >> It's going to work out so well. >> Hopefully.

>> No, you're you call yourself we. >> sometimes it'll be fine. Uh but we were. in a car wreck in August last year. So, we signed our lease August 1st and. August 4th we were in a car wreck. >> But this was last year. >> It was um I have my hands are stuck. My. ability to do my job has been a little. bit less. Um his income had really died. down. So. >> that doesn't make any sense though. That. doesn't make any sense because the. election wasn't even happening in. August. So if it had already preparing.

for it, >> this is cope. Blaming things on politics. is just so stupid. Ideally, but it's. more in your own control than your own. out. >> Well, sure. Okay. Take six months. That's fine. But it's been nine months. since it's been now 10 months since the. beginning of the year. August was. halfway through last year. So, okay. Recovery sad. Absolutely. I get it. Things aren't absolutely great after. that hard situation. I mean, I know you. drive. We had a conversation about it. before you filmed. So, it's not like. you're completely dramatic. You're like, you you're like, come on. You drive.

You're you're back on top. >> Yes. Mostly. >> Come on. 10 months this year has been 10. months. So 14 months since signing but. 10 months this year. >> Yes. Because. >> why haven't you done anything? How much. does it cost? What are you investing. into this thing that you can't even make. work yourself? >> So originally then. >> sounds like a horrible idea. What's your. lease term? >> Um we've got a three-year lease. >> Oh, and you're already a year in a year. in, >> buddy. You're going to have to increase. your revenue by your your rent by 33%.

just to break what you were supposed to. be making in the first place. >> Yeah. Um, >> what's your monthly cost? >> Um, 1,400 is rent, which. >> Oh, in what way? What money do you bring. in on a monthly basis working 20 hours a. week? >> So, that actually he pays usually he. pays the rent. >> Lucky you have this simp. >> Sure. He fights me on a lot of. decisions. >> Well, I'm sure cuz this is bat horrible. >> It's fine. Us. >> 14 months, $1,400. Nothing to show for. it. How close are we being done in.

renovation? Um, we've got $1,000 about. $1,000 more that we need to put into it. So, it's about $5,000 probably. >> No, it's about $1,000. >> Um, cuz it's just materials. We have. pretty much everything and we He's doing. the work. He's in construction, so he's. actually really great at what he's. doing. Um, >> great. Taking time and money away from. what? Dude, it's a it's a lease. something you own. You're trying to. sublet. Your entire business is. subleting. This is not great. >> The goal is to purchase the building. The current building owner is actually.

retired. >> Yeah, but you need money. >> We do the. >> because retired person doesn't mean. they're going to give it away for free. >> That's actually. >> And if we're on the show, you're not. doing well. And if the boyfriend's money. has dried up due to the last election, then good luck. >> It is starting to pick back up a little. >> or it's just a lot of catchup. The. catching up. >> Mhm. >> I mean, he did a lot of work to get. >> caught. I just want to I just want to uh. uh make this very clear. When things. were bad, it's a politician's fault.

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without code. Limited seats available. and they're filling fast. Grab yours now. via the link in the description. Pay us. join the community to stay updated. before the big blast. Doesn't matter who. president is unless they do something. that is dramatically affecting your. business. Tariffs have affected some. businesses. >> for sure. It's been really hard to get. some of the products that uh I like to. use, some of my clients prefer to use. because of where they ship in from. They. no longer. >> believe it or not. You're not the only. salon in this entire country. So other. people are figuring out a way. I can't.

speak and I don't own a salon, but to. suggest that you can't. >> [ __ ] off. >> So, he pays all the rent utilities. >> He pays the rent utilities for the shop. No, he hasn't missed it. >> My goodness. Why are you you are you. even dating him to date him or are you. businessing him? >> No, absolutely dating him to date him. I. don't know what I would do in life. without him. >> And what's the owner going to sell the. building for? >> Um, that discussion hasn't entirely been. had yet because we are not all there. yet. He's not ready to sell it yet.

>> Oh, >> but that was his deciding factor in. picking us to take the space. >> Does he know how you are? >> No, they get their rent checks on time. So, outside of that, they don't need to. know. >> Fully building out. >> full. >> started at 20, ended up going to 30 and. then 40 to 50. What the. >> So, >> oh, now it's going to be upwards to 70. Started at 20, went to 70. >> See, that's you. That's not That's not. That's not. >> That's actually not. >> Come on. Tariffs didn't move it from 20. to 70. tariffs. >> Then what the are you talking about? >> The building measurements that we got.

>> The building measurements that we got. originally, we had built a whole. business plan around. >> 1,400. >> Then utilities I'm going to call 16. >> Um utilities are actually only about 250. right now. If it stays. so once it goes up. Okay. So I'm going. to say 1750, >> dude. >> So 63,000 is your entire cost of that. And then the 70,000 buildout. >> Yeah. >> And then you're uh inspections blah blah.

blah. And then you're going to have. about a year and a half. So in your year. and a half. essentially. what you have to do, you need to bring in just to break even. $7,388. >> Yes. >> A month. >> Yes. Good luck. No one rents something for. 1,500 in sub leases for 7,300.

400 a month. That is not. You will lose. money. >> Let's just be clear. No, you will lose. money. >> If your business is failing because the. economyy's turned down, you're going to. think you're going to lease out seven. units. >> The hope that it was. >> this is not going to. >> overturn. and we're going to get. successful people in there and it was. going to all be fine. Everything's. >> Sure. You might get some people in. there. $7,400 a month just to break even. for the year and a half you'll have. left. >> No. >> Maybe. >> What What are you renting per unit for?

You. >> I have two of them. >> Rent for each of the rooms is six of the. rooms are 900 a month. And I have one. room. It's a double room. So, there's. two chairs in it and that is $,750 a. month. >> Gooding luck. What are you renting yours. out for? >> 580. >> You're so. >> It is not built out as a salon though. I.

had to put in all the plumbing and. everything. So, what. >> First of all, it still even your math. doesn't add up to what you need to break. even. You're going to fully lose money. cuz even you overcharging, let's be. honest, >> it's actually under for the area. >> Come on. You think everything is under? I doubt it. Come on. You're dramatically. under where you're renting from. Off. >> Oh, I am for where I'm renting from. >> Exactly. >> The closest other set of actual salon. suites though rents for almost twice as. much as we have renting. >> Fact check. By the way, only one suite. is done. >> Yes, one. >> So, I'm being told not to let you make. it sound better than it is because.

>> Oh god, no. Only one suite is done. >> $1,000 left. This has cost $70,000. One. suite is done. And you say it's $1,000. to get the other six up and running? >> Nope. It's $1,000 to get it to where we. can get a fire inspection and get it. open. >> What? That one suite? >> No. There are other suites that we need. to get sheetrock up in and get the. ceiling put together. So, all of that's. about $1,000. >> No way. I refuse to believe because of. the stuff. >> I've done office renovations. >> for sure. It's not start from scratch. It's 3/4 of the way done. We just have.

to put it back together. >> Good luck. Oh, I have pictures. >> Yes, you do have pictures. I know. I didn't realize we were going to have. pictures, so I just took random snaps. the other day. >> Are you sure people are going to pay. this money for it? Big guy, we got. floating vinyl in millennial gray. >> Yes. >> You really wanted to lease out units in. 2015. Not 2025. >> I mean, it's 2025, so that's what we're.

going to do. Yes, these are 2015 units. even though they're brand new on. floating vinyl. >> Not from what the other suites are in. around our area. >> You compare to everything. You don't. actually try to stand out in the. marketplace. That's the That's how you. make a killing. You are not going to be. able to make your premium if you're just. endlessly. Yours is brand new, full. built out, floating 70,000 hours for. that. I'm sorry, is horrendous. >> Well, we originally weren't having to. plan on moving walls. >> You moved walls. >> We had to move walls.

>> Oh my. This is. >> the original measurements we got were. not accurate. So, what we built our plan. on originally was not having to move. walls. So, that's where the 20 to 30. came from. And then we got into it and. the measurements weren't off by a few. inches. They were off by a few feet. because someone else did them. And so, we had to move walls. >> How'd you get to the studio today? I. heard you're afraid of Ubering. >> I do not Uber when I'm by myself. I. drove. I have a rental car. Why are you.

afraid of Uberine? >> Uh cuz I'm a single woman traveling on. my own and I can only fight so much and. I have kids to get home to. >> What do you think happens to single. women and Ubers? >> Uh I've got plenty of people who have. almost been kidnapped in them. Not. saying everyone does that by any means. Hopefully it's happening far less. I'm. just not willing to risk it. It was also cheaper to get a rental car. for the driving from the airport to. where I stayed and breakfast may have. been true than it was to get an Uber.

Uh. >> this so this guy $70,000. How have we. invested this? Where's the money come. from? >> So the original plan that we had put. together was that boyfriend was going to. cover the rent and the utilities. He was. going to take my car insurance, my car. payment, and my phone bill. And then we. were going to put the remodel stuff all. on my credit cards because I had 0% on. all of them for at least a year when we.

started. >> It's been $70,000. You spent $7,000 on. interest. >> And then my income was going to go all. towards getting those credit cards paid. on. So we would essentially use my. credit cards to get it all built out and. as we made payments on them, continue. using them so we could finish it out. And then once it's done, then we f since. his income wouldn't have to go on our. rent and utilities there anymore, it. could go back towards from your job. >> What hits your account on an average.

monthly basis after expenses? >> Um, after expenses, based on my taxes. last year, it's about $1,000. >> Hey yo, WHAT THE [ __ ]. >> WANT to know a dirty little secret? And. no, I'm not starting an only. You're not. broke because you suck with money. You. just can't see where it's going. If your. bank account is empty at the end of. every month, that is not bad luck, that. is bad tracking. And it's exactly why I. use Dollar. It shows you exactly where. your money's going every single month.

Spending, subscriptions, and savings, all in one simple dashboard. Everything. you need and nothing you don't. And when. you download Dollar today, you'll get a. try for free, plus 3 months for just. $9.99, so you can finally take control. and see what your money's been doing. behind your back. Click below to get. started. I can flare my nose, too. >> I'm breathing. stressfully. Hey, >> every day. Existential dread every day. >> Yes, I would be too if I had a failed.

business and I'm investing into more, hoping that other failed businesses are. able to pay for my failed business. >> Just smile and wave, boy. >> What the is wrong with you? 1 $1,000 a. month. >> Uh-huh. >> You're a mother. That's not acceptable. It's It's not That's where it's at right. now. >> It doesn't have to be. You do not have. to be the self-employed queen, a. businesswoman of the century on Time. magazine. You can GO GET A JOB. >> THE PROBLEM is one of my children is. special needs and to get him to.

appointments. I. >> buddy, you're low income. I know for a. fact you could have assistance. >> Um, >> especially in a major city, especially. in a major blue city. >> We do have some I do have food stamps. and I do get some child support. Child. support from daddy. How much comes in. >> from one of the dads? It's. >> Oh, there's two dads. >> There are I tried to do better with the. second one, but it it was worse. [Applause]. >> Is it you or them? >> Them. Absolutely them. 100% them.

>> Okay. >> Like I beat them out in court. 100%. them. >> Well, that's good. But you call yourself. we, so I'm just I'm struggling. >> I do. Um, >> you also have a little bit of a victim. complex. >> A little. It's been through a lot in my. life. Working on it. >> That's what everyone says. >> I know. Uh, you want to know how much. child support is? Um, it'sund I think. it's 148. >> a month. >> a week. >> Oh, thank goodness. Cuz that's not much.

>> I know. >> Times 52 divided by 12. So, we'll. average it out at 641. and 33 cents a month. >> roughly. Why doesn't the other dad give. money? >> Uh, job hopping. >> Uhhuh. >> Yep. There's a whole lot going on in. there. >> Uhhuh. >> When I do have child support from him. >> and food stamps. >> 321. >> per. >> month. >> Okay. >> It's been they. >> I'll put that towards the grocery. budget. >> They lowered.

>> 436. >> They lowered the. >> Lindsay said 436. Yeah. >> Yeah, it went lower cuz I had a renewal. But the requirements, >> there's so much of this that's your. choice, though. >> Some of it. Yeah. >> You don't need to be doing this. self-employed bull. Again, you're not. trying to get on the cover of Time. magazine. Who What are we trying? Absolutely not. >> Woman power. Like, I don't give a about. that. Go work a job. >> I'm trying to have a job that I won't. lose if I have to go do something for my. kids. >> What does he have? She they probably.

>> he um. >> Okay. >> He's back in regular school this year. We've done online school for two two. years. My oldest is doing it for a third. year. >> Why? >> Um because the school district, specifically the school that they were. in, tried to tell me that his disability. was not a disability and they wouldn't. make accommodations for it. >> What's his disability? >> So, he is ADHD and autistic. >> And is this officially diagnosed via a. doctor? Then how would the school say. that? I I'm having a hard time believing. this. If you had a diagnosis from a.

doctor, I don't think a school would say. that. >> Nope. They did. They didn't say he. didn't have it. They said it's not an. age. It's not a disability and we don't. make accommodations for it. So, I refuse to let their education. fall. So, we've been doing school online. at home. >> Is that going to be better for an ADHD? >> Actually, he did really well with it. >> And why you send him back? >> Um, there are some holes that were. actually missed in his like. kindergarten, first grade years that. >> Okay. Well, he's in school and if he has.

he has ADHD autism, the disability that. you'd go run and save. I thought he was. missing a leg and was rolling down. hills. So, he has ADHD and autism. Talk. about every child born today. Like, I'm. sorry. That's that's not a job that. prevents you. That's not a thing that. prevents you from going and getting a. job. He's not sitting there stroking it. out in the middle of school. >> But if he's got problems, then I've got. to go get him or go help deal with him. >> Well, then yes, obviously you try to. have a good job, good boss. But you are.

failing them by making $1,000 a month. because you're trying to build your. business. That is a failure. That is. your choice. >> Yes. Yes. >> You will find a lot of bosses, a lot of. businesses, the business that uh uh my. families work for, you know, my business. specifically, if anyone has an issue, of. course, they should go deal with it. That is what would happen. You can find. jobs. Not every job is some massive. corporate overlord, bank teller, whatever. >> You would be surprised at how many there. are in.

>> No, of course there are some. I'm not. saying that, too. But you live in a. major metro area of the United States. I'm not you saying you can't get a job. and you're going to allow yourself to. just make $1,000 a month while having. two kids is not acceptable. >> I didn't say I can't get a job. >> Then go get aing job. >> Um I'm going to show up for my kids. I'm going to choose to make a little bit. less than I can show. >> No. No. Sometimes showing up is they. need resources. >> They do. >> And you are not providing. >> They have everything that they need. >> You are choosing not to work. So, the.

taxpayer is giving you food stamps. >> I'm not choosing not to work. I do. >> Yes, you are. >> I do work. >> Come on. You make a thousand hours a. month via your choice. >> I do work. >> You could go make more. >> I could go make more, but then I. wouldn't be able. >> If someone is saying they could go make. more and yet we subsidize them. Is that. fair? If you can, I want to subsidize. the out of people who cannot. >> because I don't want to be absent from. my kids' life cuz they don't have. another. >> life. If you're working 9 to5, you're. not. Dude, there's single families all.

over the place and people can have a. good life. YOU'RE WORKING 20 HOURS A. WEEK. YOU'RE NOT WORKING 40. I DON'T. WANT TO HEAR IT. If you're working 60, 80, you never see them. Yes, I would be. on your side. You're working 20. >> You are not able to provide the. resources required for them to have a. good life. You will not be able to. retire by the time they are in. unconsensually born. By the way, they. did not really have a choice. By the. time they are 40 trying to make their. life, mommy's going to be like, "Oh, I. can't live." They're going to put their. life on hold to support you. Oh, this is.

what everyone says. You say you don't. want that. What do you think they're. going to do? They will. >> They will. They will be morally. obligated. They will because you're. choosing to go work the job you want to. do right now and using them as an excuse. to do it. Let's be honest. Come on. Be. real. Go get a job. Work 40 hours a. week, 9 to5. >> I don't want to. >> There it is. Government Kansas, Missouri, take away her food stamps. right now. Did you just hear that? Take. them away. I'm not even kidding. >> I will say. >> You don't want to you. That is not a.

choice. >> Huh? >> I don't want to. >> Then that is not fair. That is not a. choice. Subsidies should be there. And. even more for those who cannot. You can. And you're choosing not to. Because you. do not want to. And I knew the more and. more I pushed on it, we would find out. that you're doing this because you want. to. >> Straight up, not because you can. Using. ADHD. Using ADHD and autism. Yes. Uh, is he. able to communicate with other people? >> Yes. >> Okay, then I don't want to hear it. Come. on. He's every gen beta.

>> ever. Gen alpha, gen beta, he is every. single one of them born. >> Maybe. >> they're all getting diagnosed with this. If he's able to communicate with people. and he's able to do things, and you're. right, he probably didn't need the. accommodations that you're thinking. based on everything you're telling us. The more information is unlocked, the. more we're finding out, he could. probably just go to school. Well, he is. back in regular school now because he. was because he was missing things that. he should have been taught when he was. in kindergarten and first grade.

>> Thought. >> and we needed help filling those holes. >> Well, you would make more money, by the. way, getting a babysitter. >> that could wash 2 hours between school. and you getting home and you going and. actually making money like aing adult. 31. What a joke. >> I know. It's fine. Everything's fine. though. >> Take away her food stamps, please. Okay, fine. >> Please, please. >> So, I would like to eventually. >> Why are we supporting your choice of not. working? It is disgusting. Then you. blame the last election. What the is.

wrong with you? Blaming everyone but. yourself. >> A lot is wrong with me. I think we. established that though. >> By the way, we did the math. You can get. a job at Supercuts there and you will. make more money. >> The closest Super Cuts is an hour away. from me. >> Okay, then the alternative. You're. saying there's no alternative an hour. away? Off. >> There's not a. >> Oh, yes there is. There's no way. We. have. >> Super Cuts does haircuts and color and. there's nowhere else that does haircuts. and color. >> I don't care about what you want to do. I care about you making money. >> I understand. >> Then I don't give a. >> I want to go to work and cliff. I don't.

care. Take care of your kids. >> I do. >> be a mother. No, you don't. No, you're. milking the taxpayer because you're a. spoiled brat. >> I would actually like to get off of. those things. >> Yeah, you wouldn't. You don't do it. >> God, no. >> What if you wanted to get off? I would. I have applied. I have actually tried to. I want to get working behind the chair. has been very difficult. Um so I'm. trying to figure out what I need to do. to get into a different career field in. the next fiveish years.

>> I'll get you a course career. certification, >> accounting, something like that. A lot. of people have used that to get into new. career fields or boost things. I'm. actually really good with numbers and I. get told all the time that I should have. been an accountant. and as much as I don't want to. >> Why are you crying about being an. accountant? >> Because I don't like the job. >> Huh? >> I don't like the job. >> We all do things we don't like. Believe. it or not, like even though I really. love my job, I particularly didn't want.

to come in here and film today. >> That's fair. >> I didn't want to deliver subs for Jimmy. John's many times. I didn't want to do. sales calls. I didn't want to do product. management meetings. I didn't want to go. to school. I did it cuz I'm a big boy. >> Mhm. >> You cry that you don't want to. I'm so. sorry. I'm so sorry. I've never called. someone out for crying on the show. because almost actually every other time. someone has cried, I have found it. reasonable. You're crying because you. don't want to do numbers. >> I'm crying because off I enjoy the. career that I've gotten into and it's.

sad to have to acknowledge you have to. get out of it. >> You don't have to. We just saw that. there are get. >> it's not even necessarily get out of it. because the finances but just because of. my ability to do the job has gotten. harder. It's gotten worse. So it's not. something. >> if you can't stand behind a chair. What. are you able to do? >> Well, I can stand behind a chair. I just. can't do like my income is almost half. of what it was. >> like years ago. >> What are you talking about then? because.

I was able to do extremely complicated. multi. >> Type in your town. >> Type in your town. I don't want to hear. it. I I feel like it's just it's victim. complex to the extreme. I just can't. handle I apparently allegedly you don't. use Tik Tok or Reddit, but it's just. like you are that to the core. >> I'm glad you Okay, first of all, come. on. You are so close to so much. This is. crazy. This is crazy. You're like a.

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link below and use hammer FB50 to get. 50% off your first Factor box plus free. breakfast for 1 year. That is code. hammerf50. atfactor75.com to get 50% off plus free. breakfast for one year. And now that I'm. wellfed, let's get back to the episode. >> It's also super convenient cuz my salon. right now is a half a block away from my. house. So I can walk there faster than I. can drive there. >> And you know what? Scissors and Scotch, a local chain, Midwest Cuts, Chris. Styles, Scissors Cuts, Nates Barberhop,

Skizzer Scots, Royal Barber Shop, all. the 10-minute drive. >> Barbers, I'm not a barber, >> buddy. I go to a barber shop. >> I know. >> Well, get your certification. I go to a. barber shop and a woman cuts my hair. You're okay. >> Another 1500 hours of school and another. $20,000 of student loans. >> Okay. Okay. Okay. Fine. Scissors. Scotch. Scissors. Scotch. >> I've applied. >> Do you suck? I don't know. There's so. many of them. >> I. >> I would love to see your resume. I'd. love to see how things work because when. I hear I applied just nothing happens. Is this like.

>> um I've applied and I went and. interviewed. I was getting ready to have. surgery beforehand. So they were they. was what they told me is they didn't. want to hire me right before I had. surgery and go and leave. >> do what. >> what was your surgery? >> Um I had a partial hyctomy. >> Oh okay. >> But they didn't want to hire me on right. before I had my surgery not knowing. exactly. >> Also there's a great clips in your. literal small town. >> Yes. With a horrible owner. >> Oh shut up. There's always there is. never anything in your life that is not.

an excuse. >> No. There's plenty of things that are my. fault. I wish I would have heard any of. them so far in 43 minutes. >> That's just one place I'm not willing to. work because I've worked at great groups. before and I'm not willing to put my. life in that position again. >> In that position? You sound like you're. going and serving on the front lines of. Afghanistan. Shut the I'm sorry. What. the You're in great clips. >> Yeah. >> You're not building a building with no. strap at the top like those old. pictures. You're not doing that in that.

position in that position. You're not. walking the streets flashing hole to get. some money. Put yourself in that. position. Putting yourself in that. position is great. Clips, what are we. doing? >> Mentally putting myself in that. position. >> EXACTLY. WHAT ARE YOU DOING? WHAT? You're a baby. I'm sorry. >> It's okay. >> I'm not sorry. >> It's okay. I'm not sorry either. I'm. comfortable with the choice. >> Take away your assistance. You're making. choices of not working. >> But I do have two other jobs that are. just side jobs. Well, how many hours a.

week do you put into it, honestly? >> So, they're st I'm bartending at. stadiums, so it's only when there are. game days. So, it's not even like hours. a week. It's just. >> It's also seasonal. >> It is seasonal. And I just got them. >> Did you calculate this into it? >> I don't That's I don't know. cuz I don't have a solid. >> What do you So, okay. One time every. other week sometimes. >> Sometimes. >> What have you What have you made from. one? So, at one stadium, uh, my paycheck.

is about 250. >> and that's for about one game. Yeah, it. averages about that. >> once or twice a month. >> Um, the other one, the paycheck, they. actually had payroll super messed up on. it. So, like my check wasn't what it was. supposed to be and it was a lot of back. and forth. Um, so if I've put it all. together correctly, I think I average. 350 per game at that one. What do I add to your pay a month? >> I don't know.

>> Why don't you just actually bartend? >> Um, that one I can't be up that long. physically cuz those shifts are 8 hours. >> You can't do anything. >> I can do quite a bit. It just has to be. shorter shifts. I'm not going to push myself to get hurt. at work. >> No, just do rush shifts. >> What is that? >> Shifts during rushes. Oh, maybe. I. hadn't heard of that. A lot of places. >> You never worked in service, food.

service, drink. >> when I was in high school, and it always. worked around my school schedule. So, >> yes, but no. Um, and a lot of places. want me to work on Sundays. >> Okay. I feel like I've learned enough. about you. I can now put you in a box. >> I get you. I understand you now. How. much debt do you think you have? >> Um, it's around 30 to 35. >> It's $40,488.75. Yep. >> No, don't take that as a W. You did not. guess, right? >> No, I No, it's I just I'm closer than I.

thought I was. >> Okay. So, again, I What do I add to your. stadiums on a monthly basis? >> I would just go with 500 to average it. out. >> Okay. So, $2,141.33. Yep. Still uh nothing. Yeah. >> I'm sorry. Like for especially a major. metro. It is what it is via your choice, dude. >> If you're truly broken, get on. disability and I will support that. But. I don't believe you're truly broken. I. believe you're an endless victim. Based. on everything I've learned in this. conversation so far, I really do.

Oh, come the on. Oh, shut. Come on. What. are we doing? You won't go work at Great. Clips. I don't want to hear it. >> Yes. >> Exactly. How much did you spend last. month? >> It was mostly on bills. Uh, credit my. credit card payments. >> How much did you spend last month? >> On it. Give me a second. Two. Four. probably close to $15 to $1,600 to pay. all the bills and then gas and.

groceries. >> Yeah. 2,200. which was more than you make. >> Yeah. >> What's your history with that, dude? >> I actually This is the first time I have. been in debt. >> Then why'd you do a credit card. transfer? because I was running out of. the time on my 0% interest. So, I just. did a balance transfer. >> When first time in debt? Like, hey, this. is also still my first time in debt. because I still have my student loans. that I borrowed at 18. So, what what do. you mean? What? First time doesn't make.

any sense. >> It's the first time I've had un for me. unmanageable debt. >> What f first? What is like right now? But when did it start that? Like I don't. know. So honestly, like all of what. you've got on statements, that's all. stuff that from building out the shop. Like twothirds of that is from building. out the shop. >> A a shop that literally will not make. even when you sell out all the units you. want to rent them for enough to break. even. >> It's where we are right now. >> That doesn't make any sense. >> Just where we are right now. >> No, I would a part of me would just.

actually. >> what? Forfeit, pay $1,400 a month and. leave it empty. >> No. Oh, almost try to subleasase the. rest of your lease. >> and swallow the 70 is a mistake because. this requ this re requires and relies on. you and renting out every single unit. which I don't know if you're going to. >> It does. I have a lot of people. interested but we can't show them. because they're not open. >> interested. Uh-huh. >> I can't have anyone come in cuz. >> getting people interested in something. you want to sell is the easiest thing.

ever. >> For sure. >> Selling is hard. We have a lot of. stylists that want to get out from a. booth rent situation or out of an hourly. salon like Great Clips actually, but we can't let them even come in and. look at it because. >> what is their terms? >> My terms are. >> their terms that they would sign. >> one-year lease. >> That's so risky. I don't know who would. do that in their mind. >> It's actually a standard. >> I know it is. It is moronic just like. you. You can't like you do you don't. make money. >> Hey, my least term where I'm at is three.

years. It's crazy. >> It takes a little crazy to be a hair. stylist, doesn't it? >> Big guy, this just isn't. >> Everything's fine. It will be fine. >> No, you're not even break it even in the. best case scenario. So, this doesn't. make sense. Can you describe how that's. fine? >> Cuz it's not an option to give in. >> That's some delusion. >> So, I do have something that might make. you a little less stressed. Maybe.

Is it paying for me to go get a massage? Because that might be it. That's all. >> No. No. And it won't even pay for me to. get a massage actually. So, because of. the I know sucks. Um, so because of the. car wreck, um, I it's still not closed. out. I have not gotten a settlement yet. because my medical bills were so high. We are actually having to sue the. insurance company. >> Great. So, something you're going to do. Well, that means nothing. It's been. filed. I'm just It takes time for it to.

>> mean you're going to win. >> We will. >> Maybe. Listen. Sure. That's exciting. >> Um. >> I will believe it when I see it. >> It's a silver lining. Maybe. >> Which, by the way, if it doesn't get in. front of a judge before August 2026, you. wouldn't get a single scent. >> Exactly. The reality is I'm being told. from your conversation with Lindsay, you. very much are banking on this 30, which. is a very not smart way to do it because. that means for sure. >> No, it's just objectively stupid because.

you're living your entire life now like. there's another 30 coming which by the. way. >> No, maybe not. I don't know. That's that. doesn't even cover half of what you put. into this salon bull. So, I don't want. to hear it. >> I mean, as of right now, we've only put. in about 30 into the salon. It would. take another 30 to 40 to completely. finish out and have each room ready for. renters to come in. >> This is broken. >> Tell me about it.

>> I am. If it costs that much, cut your. loss. A part of me just says cut the loss. A. big part. >> I feel that. >> I've cut my losses on some things. Sometimes you need to be mature enough. to realize when you need to just be. like, "Oh, I had no idea what I was. doing. Yep. Cuz I don't have any idea. what I'm doing, but going for it because. outside of that, >> what what is it? Pride. What the why? >> Um, ideally, >> boyfriend agree with business in. command.

>> Yes. This is one of the things that we. do strongly agree on. >> No, he's actually extremely intelligent. >> No, >> we just life decided that. >> No, you did. Shut. >> Our path was not what our path was going. to be. >> You did. You did. It's not some magical thing that did it. You did. You made the choices that led. you here. >> I think the universe played. >> Shut the up. What do you think? The universe is just. sitting there like, "Oh, wow. I really. care about this person in their salon.

Shut the [ __ ] What are you talking. about?". >> No, >> you made the choices that have led you. here. And if you're not willing to. accept the consequences of your actions, you will repeat these mistakes forever. >> Okay. >> Most of it is trying to get a business. built up so that there's additional. income. failed. That does that is that. all that does not justify it. But in the. height in the height of you doing best, you still lose money. So this doesn't. make any sense. If we are able to. mathematically figure out that this. business strategy does just because you. go out there and do a business doesn't.

mean all of a sudden it's justified. If. I go out there and invest $100,000 and. eliminate sand just because it's getting. up a business and running doesn't mean. that it's good. That doesn't make any. sense. That is not a justification. That. is moronic. What do you think your financial score. is? 0 to 10. >> Oh, it's I took the test online. It was. like 68. >> Well, that rounds up to about a one. If. you want to take the test online, figure. out where you stand, where you're doing. bad, where you need to do better, where. you're doing well, take the assessment, get your hammer financial score at. calehammer.com. It's free, just takes a.

few minutes. And if you don't want to be. like a guest who ends up on the show, make sure you download the Down Budget. app. It is my preferred budgeting app. It is incredible. It has changed tens of. thousands of people life. Take the free. trial. See if you like it. And if you. do, save a lot of money by switching to. the annual version. And when you do, I. will sign my budget friendly cookbook. and mail it directly to your house. >> What the is this? And why isn't this. just a normal statement? >> Um, because I could not figure out how. to get an actual statement from them. I. was able to get statements from a lot of. places, but I could not find anywhere.

through the app to get the statement. >> You didn't log in on a computer? >> Um, I don't know my login information. >> Reset it. You tit reset it. You tit. It's so easy. >> I didn't want to. >> I didn't want to cuz then I have to. remember to relog into it. >> Pull it up on your phone. >> everywhere else. >> Pull it up on your phone. >> right now. >> Right now. >> Oh, it's searching for service. I don't. know what will load. >> We'll get you on Wi-Fi. There's.

>> I'ming nose. So, would it be a bad time to tell you. that I'm also a competitive cheerleader? >> A weird time? >> Well, it just goes into my expenses. >> Don't understand why I give. >> It's going to show up. It's going to. show up on this. >> Oh, so you're paying for it. >> It's just going to show up on this. It's. the first thing you have. >> You're forcing people to hold you up in. the air. >> I actually hold people up in the air. >> Yeah, I would I would encourage that. I.

you don't want me in the air. That would. be fair. >> That's what I'm saying. >> What would you like to see? >> This. >> the transactions. >> Remember guys, she's not working as much. so she can spend time with kids and then. she spends money so she can go to her. competitive cheer. You take away her. food stamps yesterday. >> Oh my. No. This is insane. >> I know. >> What the is wrong with you? >> A lot,

>> dude. Visa signature. This is crazy for making. $2,141 a month. By the way, I know you're not setting. aside money for taxes. >> My. >> Does your boyfriend set aside money for. taxes? >> That I don't know cuz our finances are. separate on that. Um, >> you better. >> $10,7335. is insane. >> Uh-huh. >> Insane. >> And that's just one. >> Yes. What's your minimum monthly.

payment? >> Uh, if I can get that, I can show you. Cuz I when I. >> Kansas City Chiefs, what I thought you. were supposed to get money from there. You're spending there. >> Nope. I don't work for the Chiefs. I. don't I see what you're looking at. >> You don't get to go to the games. >> I didn't go to the game. >> Why is $140 spent? >> I don't know. Can I see it? >> What? What is wrong? >> So, I can't look at it. >> And then more athletic cheer. Oh, it's. athletic cheer. >> Yeah. Casey. >> 140 140. >> Yes. >> What the? So, that's every other week. So we have gym fees which is once a.

month. >> 280. >> Yep. >> Okay. >> Gym fees is 140 and then the competition. fees they take and average them out. Instead of one month it's 500. One month. it's 200. They combine all of them and. average them out. So. >> So it's total about 300 a month cuz then. there's also like a $30 thing. So $300 a. month. Reminder, her income is a. thousand. She has kids. She's not. setting them up for success in any way. whatsoever. And then she spends $300 a. month on her competitive chair. Guys, she gets 64. No, no. How much in food.

stamps? >> 321. >> Ladies and gentlemen, we are technically. in every mathematical form as taxpayers. paying for her to go to competitive. cheer. That is disgusting. You are disgusting. >> I pay tax. >> If we don't need if this is an. indication that we need an audit on our. programs, because here's the thing, man. I'm okay with spending as much as we. spend, but I want to take it away from. disgusting motherers like your yourself. and give more to people that actually. need it. That's what we should be doing. This is insane.

Missouri audit how you are handing out. your benefits. This is insane. >> I mean, they go based on income and. >> it's disgusting. Income that you're. choosing, that's unacceptable cuz you. know you can get a better job. You're. refusing to go work at a place in your. own town. Shut up. And then you spend. $300 a month, which is what we give you. and subsidize you on competitive cheer. This is disgusting. Like actually nasty. Thank goodness we're going trillions in. a federal debt for this.

I like robust social programs. I really. do. You ruin it. What's your minimum. monthly payment? So stupid. Then you spend your time on this. >> instead of actually working and you use. the excuse to take care of my kids. >> So minimum monthly payment on that is. 222. >> Can I uh give an honest thing? >> Yeah, I love honesty. >> I don't think you're a good mother.

>> I think it's a really hard judgment to. make when you haven't met me around my. children. >> I see what you do financially and in. finances impacting a house in the United. States of America is one of the le. leading causes for outcomes in this. country for children. I don't think. you're a good mother. >> It's easy to say that when you don't see. the situation. >> I see the finances and I see the. financial situation. And the situation. is you go spend $300 a month while. making a,000 on your own self-care and. said to them, "You don't work. >> I think it's better choice for me. >> You live off the government by choice.

>> I think it's better. >> You took them out of school via your. choice.". >> For sure. Because I wanted better for. them. >> I don't think you're acting. This. doesn't mean you'll never be a good. mother. I think the choices you're. making are bad. >> You can't say that someone's a bad. mother when you haven't seen them around. their kids. First off, >> there's many things you can do that are. good. But if you are doing something. really bad, of which you are here, that. does take away from the good. It's not a. math game of how many goods equals how. many bads. >> It's not. >> Um, second off, I think it's better for.

my kids that I'm here versus. >> not. You're going to cheer. >> versus not here because without one. thing, >> not here. You'll be there every evening. if we do this right. >> To feel human, depression takes over. >> What? What are you even saying? >> The. >> You're the only human being born on this. entire planet that cannot work 40 hours. a week. >> God, no. >> Then shut up. >> But the intrusive thought, >> what is this victim complex? >> The intrusive thoughts get really strong. when you don't have one thing that is.

you outside of your job. >> So, what are you saying? You know what. the natural response to that would be? So then what? Give up. >> No. >> So then what? >> I don't know. Keep going. >> You aren't though. You've given up. You. do nothing. You literally are lazy with. your work. You are dramatically lazy. You work 40 hours a week. Shut the [ __ ]. up. And you spend all your money going. to your own cheer stuff. This is bad. >> I That is less than 5%. I guess it's. close to 5% of my total debt is cheer.

>> Cheer. I don't care about debt because. hey, believe it or not, the more you. rack up your debt, the less percentage. your cheer will be. >> Yeah. >> So, shut up. That doesn't matter. That's. a stupid thing. >> But it does. >> It's 30% of your income. >> Yeah. >> So, I don't give a what percentage of. that. You could go blow all your money. right now and rack up double the debt. And guess what? Your percentage that. went to chair is now half. That doesn't. make it good. That's that's a ridiculous.

argument. your trip last year. Put it all on. credit cards. >> Did. >> planning on blowing at least $3,000 in. the next trip? >> Yes. >> You make a thousand a month. >> Yes. The goal is. >> that is a whole quarter of work. I'm. sorry. That is bad mother. I'm not. saying this is an insult. I'm not saying. it to bring you down. I'm saying it as. like a literal honest hopefully a wakeup. call for you. Not saying as a dunk. I. need you to realize what your impact and. your selfishness of what you are doing. right now is not what a good mother.

does. All right, let's talk about one of the. biggest money black holes in America, your forgotten 401k. Yeah, that. retirement account from your old job. that you were, you deal with it later. But here's the scary part. Over $2.1. trillion is sitting in lost or forgotten. 401ks. That is 25% of all 401k money. just gone because people never rolled. them over. And the number of abandoned. accounts has doubled in the past 10. years to around 32 million. And it's not.

just private workers. 3 million. forgotten TSP accounts from federal. employees are getting dust, too. That's. where today's sponsor, Capitalize, comes. in. They make rolling over your old 401k. into an IRA stupid easy. No calling HR, no faxing forms, no we'll mail you a. check in the next 6 to 8 weeks. They. find your old 401k, help you pick or. connect an IRA, and handle the whole. transfer process from start to finish. And with new rules letting private. equity into 401ks, things are only.

getting messier. So, the time is now to. clean it up. Roll over your old 401k. today. Click the link in the description. below or go to high capitaliz.com/caleb. Your future self will thank you and so. will your net worth. My mother did the. opposite. She went out there and you know what? It. actually did suck a little bit through. uh my early middle school for a few. years. She she worked her ass off all. day in a low paid medical position under. nurses, whatever that is, like nursing. assistant or whatever. And then all. night, all evening, she locked herself.

in the basement studying, doing. homework, and doing online classes for. nursing school because of that sacrifice. under dramatically lower middle class. where we had absolutely nothing to by. the time I was graduating high school to. where we were just solid middle class. cuz she sacrificed and did that for her. kids, for her family. >> She did that. That's what a good mother. does. You're selfishly doing what you want to. do. >> Good mothers also show up for their kids. without risk of losing their income. entirely.

>> Go to a trip. A whole quarter's worth of. your income. It's not a math game of one. show up equals I can go blow all the. money to invest in my child's future. When you get evicted, they're not going. to remember that. Yippee, mom was there. We aren't going to get evicted. >> Says everyone who's ever been evicted. >> Like I don't know. Like I don't know. >> Technically we can't get evicted. >> Why is the technically?

>> Because my boyfriend owns the house. >> paid off free and clear. >> Okay. So subsidized by him too. >> So we live separately but listen me and. the kids live in the house. >> Mhm. And that's as long as the. relationship stays steady based on your. past. >> We're eight years in. We got some off. and on. But we're. >> based on your past. Off and on. Sometimes off and ons leads to a. permanent off. >> We tried that. It didn't work. >> It just screams welfare queen. >> I'd love to get off of it. I really.

would love to get off of it. >> You have that choice. You can go do that. now. >> The I think my big problem with it is. you can't what what you lose. You can't. just make up overnight. It's 300. Yes, you can. >> It's 300. My kids have state health. insurance. >> Well, yeah, but even still to a certain. point through the Affordable Care Act, the subsidies are so extreme. Yes. I. Dude, I applied for it myself. >> We don't qualify for it. >> What? Why? >> Well, right now we don't qualify for it.

because I don't make enough. No, I'm. saying once you get to that point where. the state no longer covers the kids, then you get subsidized where you. probably wouldn't be paying a single. penny until you at least make a decent. amount of which yeah, you should. contribute. >> So, when I was talking with the lady. about it, working at even at almost. $40,000, we wouldn't qualify for it. because it wasn't enough to qualify for. any of their plans. >> Exactly. We're not getting you to make. 40. I'm getting you to 5060. >> That would be great. >> Well, yes, but you're not willing to. work yet. absolutely willing to work.

>> Oh, come on. This is so stupid. >> I just need to be able to work and still. be there for my kids. Physically be. there for my kids. >> I know. You don't think people who work. 40 hours a week are there for their. kids? >> Like, I'm not going to hear this. anymore. I'm not going to hear this. anymore. >> I'll say it. >> You're being selfish. >> You're being selfish and you're living. off of us. You're welcome. Because of. your selfishness. >> I mean, technically, it's Kansas. A lot of the assistance that comes in.

for food stamps, Medicaid is usually a. partnership between states and federal. government. Food stamps is a little more. states, a little more states, but I'm. sure what you're getting through the. state covering your kids healthcare is. coming substantially through federal. government is probably federal for sure. >> Well, there you go. You're welcome. >> The food probably not. >> a little bit. >> Discover it. What's going on with this? You're purchasing on a card just like. your last card that is basically maxed. out that you cannot pay off that is.

acrewing interest. Why would you. possibly do that? >> Um it just started acrewing interest. Again, all almost all of that is from. trying to get the shop built out, trying. to get it so we can get people in there. >> And I want to also be very clear, guys, do the math out there for a second. There is nothing wrong with building a. business. Even if you fail, that. happens. There is nothing wrong with. being on food stamps. That happens. You. know, when someone actually deserves it. and they don't have the choice to go. work. But here's the reality, guys. We. are paying for her kids health. insurance. Good. I don't want a kid to.

not have health insurance. We are paying. for her to eat and get groceries. Good. I want that to happen. But what is she. doing with not having to spend money on. that stuff? She is then taking it and. she is investing in her own business. I.e. how this translate is the. government, the taxes you've paid, the. the taxes I've paid, the millions I've. written in checks, ho kill me now. that. I could use to actually invest in this. business and do a lot of damn things is. going so that you can build your own.

business in a horrible way that is going. to collapse and fail. >> Maybe. >> In what way is that considered fair or. equitable even? It's not. >> Didn't say it was. >> It's disgusting. >> Again, I don't want to be on the things. I hate doing it. >> Shut up. I don't believe that for a. single second. Good thing to say while. you're on camera. Listen, you can get on. the Fizz card. Debit card that builds uh. credit. Uh so it like works like a. credit card, but you can only spend. what's in your checking account. So. works like a debit card as well. Oh, good. Your payments fast, too. That's.

wonderful. That's great. >> Pretty sure I made it, but okay. >> Your payments pass due. How long does. this take to pay off if you make minimum. payments only without any purchases? >> Oh, I haven't even done that math. >> Try to do that math. Just what do you. think? Got Come on. It's pro on minimums. with the interest and everything. It's. probably 20 25 years. >> And that's if you do not purchase and. you only make minimum. By the way, it's. 32 years. You'll be in retirement. age. >> Yep. Which right now I also won't get to do.

>> No. Via your choice which will put your. kids life on hold and they will support. you cuz social security will still be. around by the time we retire. It will be. substantially less. It will be. It will. just be dramatically cut and it'll only. be going 100% outflow via what's coming. inflow and inflow will be less. >> I'm sure what you're saying is. absolutely accurate. I just don't look. at it cuz I'm not there yet. >> You never will be because you won't look. at it. >> Probably.

>> Yeah. Fees 41 bucks. There's your late. fee. Interest is acrewing $89.36 of. purchases. I don't know the why. What a. joke. I had stopped spending. >> 20% interest. Two late fees this year so. far on this card. Couldn't see the other. one because you couldn't send a. statement. You went in, you got some. bull. And what's price chopper? >> Grocery store. >> When you go in and you get $124, is that. groceries? >> Yes. >> Okay. >> It's usually like you need for dinner.

>> I'll actually believe that. >> Usually it's [ __ ]. >> I'll believe that. I really don't do a. lot of spending outside of like the shop. thing. It's I really do mostly just get my. bills paid as much as I possibly can. And. >> a Menard's card. >> Yeah. >> What's going on with this? >> So, that's where we get. >> those nails. Looks like they cost a. >> They are $7 glueons from Walmart. >> Okay. Not bad. >> I pulled my I pulled through my change.

jar. >> Uhhuh. I mean, I would just go full. natural if we literally can't afford to. eat. But. >> that's Yeah, I had we had team pictures. and my nails were color stained, so I. wanted them to not look hair color. stained. So, I spent $7. I got some. glue. >> Great. More to the chair. >> I know. Um, so the Menard's card, we get. our cabinets and a lot of our. >> Oh, no. >> And a lot of our sheetrock insulation. from Menard. so much more just to get it.

to the place where we can rent other. units other than just one. >> Yeah. >> By the way, the I forgot on the. discovered I forgot to say $34,4457. is the minimum monthly payment. That. includes the past two of 165. Okay. So, cross out. That's normally $1657, but you have to catch up. Okay. Now, on. the Menard's card, the balance is. $4,1249, minimum payment of $171. Yes. interest 200 last month.

>> So, >> what are we doing? It's almost maxed. out. This is horrible. >> Yeah, I've made a lot of prog. It was. maxed. I've made progress on it. >> At that there was progress. >> while making negative progress on the. last one. You're just pushing and. moving. That's all it's worked. That's. instead of spending the uh 87 on the. previous card from your checking. account, you spend it on your previous. card, then use it from your checking. account to put on this card. Like that's. that's how it works. You're just moving. it around. You're not actually making. progress. >> Tetris is fun.

Money Tetris is. >> care about a mother that can barely take. care of their kids. >> Bills. >> It is bills. >> Yes. 300 hours a month to cheer. >> Yes. >> Bills. >> Mental health. Physical activity. Mental. health. >> Use where you are. >> Yep. >> And get your free mental health. coverage. >> Can't get it. >> Yes, you can. I know there's local. organizations in in a major city like. Kansas City. You have not looked. I know. for a fact. >> I have. >> No, you have not. No, you haven't.

>> There might be places that I haven't. been able to find. >> There are There's just no way. There's. no way from any research we've ever done. in any metro when people bring this up. We have always found it. And Kansas City. is not a small metro. >> No, it's absolutely not. >> Like I don't want to hear it. >> If I can find one, I'd love to. >> But I also like the physical activity is. a big. >> Yes. Go run. >> God, no. I have bad knees. Go do anything. Go to the gym. I don't.

care. You have no excuse. Gym 30 bucks. versus 300. I don't want to hear it. This is such [ __ ] Two late fees. this year so far on this card. No one's. surprised. >> Nope. >> Hundreds in interest now that it's all. interesting. We're talking a 30%. interest rate. >> It doesn't actually have a set interest. rate on that card. >> Goes up and down. >> So, >> as interest moves, >> not necessarily. So like they have. promos where if your purchase is over a. certain dollar amount, you can get 0%. interest for 6 months or.

>> Yeah. But a lot of that is out of it, so. doesn't matter. >> But then there's others. >> This Capital One bring it up. Pasty. shocker. >> Trying when it loads you'll get it. >> Okay. Smaller. >> Yes. >> What's the minimum? >> Probably like 25 bucks. I'm not sure. >> Autopay is off. That scares me. >> Yes. >> I'm gonna put 30 for minimum. It's. usually what it is. >> Yep. >> So, saver card.

$339.33. Okay. So, what's Adventure Academy? >> That is. >> What's reading IQ? >> Those are both things for the kids. >> Go to the library. There's public. libraries. You're in a major. metropolitan area. >> What's the date on those? Uh reoccurring. ended end of uh uh the month prior. >> Oh, >> pending Einstein Bros. >> That was breakfast this morning. >> Park.

Casa Living. >> It's where I stayed last night. >> So, you went down there and purchased. something? >> No. >> $21 is the Wasn't $21 to stay there. No, it was like 96 something and then the 21. was the the insurance in case I couldn't. come on the trip. >> Adventure Academy. >> Yep. >> That one ran out of. >> You do. Listen, so far are you spending. an outrageous amount of money. technically compared to many other. people? No, but you're not compared to.

many other people. You barely make any. money and you're trying to take care of. kids. You're spending more money on a. couple things. >> than you should even come close to. It's. disgusting. Yeah, >> you shouldn't. because it's all ratio. If you made a. million bucks a year, you could spend. tens of thousands of dollars on bull and. it would still be less impactful than. you. Oh yeah. >> If you go spend hundreds of dollars on. [ __ ] it's destructive. >> for sure. >> So it doesn't matter the dollar amount. necessarily compared to other guests. It. matters percentages and you're and it's.

selfish the things you're getting. >> Yep. >> City diamond preferred. Yes. What's. going on? It's a credit card. >> Max out. >> It's a credit card. It's got a $3,500. credit limit. That was what I used when. we went to. >> $3,322.96. It went up cuz you purchased more than. the minimum. Minimum being 41. 12 years. to pay off. >> Probably.

>> I hear that you told Lindsay that you're. different than other guests on the show. a little bit because. >> wow, we've had single mothers, many of. whom actually work and provide. >> Um, >> you're right. You are different. Other. mothers are better. >> Um, it's different because not all of. this, most of my debt isn't um like. random. Like we're not going on trips. and. >> it's still frivolous. It's your desire. to build a failed businesses. It's a goal to. >> But it's a failed goal. All math fails. So, yes, you're different. You made one. of the dumbest decisions I've ever seen.

in the history of this world. >> Probably. But now we're here. Yeah, but. you can stop. You haven't spent all the. way up to the 70. >> We've got to get it at least. >> No, no, no, no, no. It is not sunk cost. >> Why? Why do you have to do this? >> We have to get at least the walls closed. and a suit together. >> This is going to end and he might not. even accept a renewal and then you'll. still be underwater by like 10,000. 10,000 that you can't afford. That's 10. months of your income. >> Yep. >> And you're right. You know what? You. travel, you know, you travel for your. things. But when yes and you have the.

other one coming up. But here's the. thing. Here's the thing. >> Other single mothers travel once a year. a year. But they use it as making. memories with their kids. You just do it. for your own selfish cheerleading thing. that you want to do for endorphins. So. you're right. You're not like other. guests. You're worst. >> Everything else is for my kids. >> No, you're building your business for. you. I don't want to hear that. That's a. disgusting joke. >> Because I want it to be a long-term. something. >> It's not. you're already under with at. the best case scenario by the end of. your lease that you cannot keep saying.

that the math is not working and that's. the best case scenario. >> by the end of this lease. Yes. >> And he might not want to renew. You. never know. He might sell it to someone. else that does not want your type of. business. >> We've got a guaranteed two extensions. after our 3 years is up. >> Two extensions at what price guarantee? Cuz often times those come with price. increases. >> Uh uh $200 on the first one and $400 on. the next one. So, it'll go from 14 to 16. and then. >> Okay, so you might by the end of a. decade break even.

>> What a legacy. >> We'll see. >> if you never bought your kids Christmas. gifts. >> I have not ever been able to. >> So, you spend $300 a month on yourself, but you will not get your kids Christmas. gifts and give them a nice Christmas. You're selfish. >> Everybody else in our family gives. Christmas gifts. >> Yeah, but you could, too. If you cut. back this $300 a month, that is. thousands a year. You could give them in. Christmas. kids on trips. They have chosen and this. is in the past. It's all paid off. >> Chosen 9 and 11year-old.

>> I have given them the choice. You guys. get presents from everyone. >> Wait, but you bought your boyfriend an. expensive pellet grill for Christmas. >> one time. >> Oh my. Ladies and gentlemen, >> it is. >> what is this world? What am I talking to. right now? Your priorities are whack. >> sometimes. >> Yes, your priorities are whack. >> But they I gave them the choice. Whack. I gave the kids the choice. I can get. you more presents or we can go visit. your friend in Florida and it was $800. for all three of us to fly around trip.

>> And you could have got them a Christmas. as well if you were not spending $300 a. month on you. $3,000 going on your. little special trip. >> and they chose to go to Florida. >> No, you could do Florida and Christmas. if you weren't doing your selfish. things. You know what a good mother. does? She doesn't spend on herself. She. only spends on her kids. >> and decides that her kids have enough. from everybody else that they can have. an experience instead of a present. I. feel so bad for them. They're going to. grow up thinking their mother doesn't. buy them gifts. >> I don't think that's a fair assessment. either because you don't know how much. I've put into things for my kids.

>> Um, mathematically, I kind of do. >> from what you have there. >> Yes. Which kind of defines your entire. where we are. >> for where right now? Yes. >> Yes. That's everything. I don't give a. about then. I care about now. This is. what everything has led up to. 2018 Kia. Sarrento. >> I do. >> Wow. Yippee. $13,288.3. >> Yes. >> Very good. What's it worth? >> Um, it was worth more and then we got in.

the car wreck last year. >> What's it worth? >> And so I think now it's worth around 95. >> for trading probably private sale closer. to about 11. Yep. >> Yeah. So. >> So you're underwater. Not dramatically, but you know, it's not the worst. Your. minimum payment seems to be 337. >> Yes. >> What's the interest? Well, it's 336 in. the change. Uh. >> 33618. >> Rent uh interest is 49. >> That's not the worst. Listen, this isn't. the worst car. I mean, of course, it's. out of budget for you, but that's cuz. you make noing money via your own.

choice. So, everything's out of budget. to you. For most people, I mean, this is. a great budget car and your negative. equity position isn't the worst. Nope. >> And clearly, the car wreck wasn't so bad. that it didn't total it. So, >> No, it it didn't, but it ripped the. whole back end off and killed a bunch of. those sensors. >> Yeah. But you were able to repair it and. still be only underwater by 2000. So. this car wreck I'm all of a sudden. feeling even less sympathy about. No. offense. Offense. I don't care. I don't. know. >> I don't know. It takes a lot to offend. me, Caleb. >> I don't care. I mean, I have your. consent. So, I'm just I I don't know. It's just.

everything's out of your budget cuz you. just choose to make no money. It's as. easy as that. >> Is that that is that the end of your. debt? >> Yeah. >> That's the rest checking. >> Yeah. >> Okay. $429 in this checking account. Netflix, you use YouTube, including. YouTube Kids. It's free. Yes, there's. ads. I know. But there's ads on Netflix. plans as well, unless you add free and. you can't afford that. You simply, if we. are funding your food, you can't afford.

this when there are very good platforms. that are free. There are more. viewerships on TV, TV alone from YouTube. than Netflix. And that's TV, that's not. even mobile devices, >> okay? Not even computers. TV alone, more. people watch YouTube on TV than Netflix. The only platform that wins on TV is. Disney Plus, and you can't afford that. either. So, obviously, YouTube is good. Use YouTube, cancel Netflix, unless. Netflix gives us a multi-million dollar. deal. Just kidding. Just kidding. Just. kidding. >> Um, >> oh, I joke. Spotify. >> Boyfriend actually pays me for gives me.

cash to cover the Netflix cuz he also. uses it. >> Sugar Daddy and the Spotify. >> My dad pays me the $16 a month for the. Spotify because he uses it a lot for. work. >> What about the pretzly truck? The pretzel in my truck is my. vice. She's not around very often. >> You I don't give a. >> So when she. >> Your vice should be taking care of your. kids and you don't. Shut up. Shut up. Hey, what'd you go into the gas station. and get for $4? >> Probably a slice of pizza after tax. >> From the gas station.

>> Which gas station? >> QT. >> Bottle of water and a snack then. >> Why? Buy in bulk. Pack with you. >> We do buy in bulk as well. >> Well, then pack with you. What are you. doing? This is. >> usually when I'm nowhere near home, >> which doesn't happen often. This. >> is so stupid. It should just always be. in your car. I always have it in my car. >> This is what people here have been doing. at the office is they've um gotten the. game they've gotten the gamer sub pack. Listen, you can't have caffeine. Oh boy. Instead of stopping at the gas station,

getting their $4 energy drinks. This. these are the free samples that you can. get. Link below. These are all the. energy versions. There's energy free. versions cuz those are the one I have. the hydration drinks. It's so much. cheaper. It's like making your own. coffee at home. It's 25 cents a serving. 10% off. Link in the description below. or get your free samples when you type. in code Caleb. But you just So no more. stopping in. 25 cents a serving. I know. you're not getting energy drinks, but. it's like the same thing cuz then you. did the same with Dollar General. Then. you're ordering things on Amazon, Burlington stores, Amazon, Academy.

Sports, Dick Sporting Goods. What the. are we doing? Um, Academy Sporting Goods. were to get what I needed for my jobs at. one of the stadiums. They had uniform. requirements that I didn't own the. things for already, so I had to go get. them. >> Oh my gosh. >> And they went in and got some [ __ ]. again. Amazon. I'm going to need to say. to that Amazon. Gardener Parks and. Recreation went and got some bull. Went. and got some bull. Went and got some. [ __ ]. >> Parks and Wreck is my. >> Pull up your Amazon. >> Parks and Wreck is my son's soccer. >> Start a screen recording. Well, that's.

okay. At least you're actually giving. him $3 when you take 300 for your parks. and wreck. >> Oh, that was his fishing tournament. Please load. Did you say start a screen recording for. me to start? >> I don't know how to do that. >> I am not a techie person. >> We'll have the top down. >> This is what it's giving me. >> It's loading. It's loading. Give it a. second. >> It's like this is all it's giving me. >> Yeah. No one else has a problem. probably. >> joy and prime. You're not logged in. I.

don't think. >> I don't have Prime. >> But you're ordering on Amazon. >> I do when I have to get things for work. So again, my most recent stuff from. Amazon is shoes. Shoes for one of my stadium jobs. Uniform pants for one of my from that. same stadium job. >> Checking as 482. Uh going out to eat. [ __ ]. McDonald's. [ __ ] [ __ ] [ __ ] You went. in and got some bull. You're do you are.

doing that a lot. >> A little. >> A lot. >> It has been. >> Come on. You literally are being. subsidized by us and you're going and. doing that. Off. >> It has been worse the past couple. months. >> Great. When we're doing worse, that's. wonderful. >> This has $7 and it's it's like nothing. Savings 18 and you're literally losing. $2 on it. You're not even acrewing. interest. $2 a month for the service. fee. What? I just don't get it. >> Okay, so total income, everything.

together, and this is seasonal. It's. going to end, you know, when football. ends, I guess, or whatever sports. happening. >> End of November. >> Great. So, end of next month, whatever. $2,141.33. [Music]. Minimum monthly payments is literally. your entire income of96575. via your spending and stupid business. decisions that were your choice and make. absolutely noing sense. >> Yes, >> your rent it's free. >> 625 on paper. >> Do you ever give it?

>> It's flexible. >> Do you ever give it? >> It gets given eventually. Like if I. can't make it if I can't make it all at. once, it gets paid. >> How much debt do you have to it? >> I think it's caught up right now. How much is it? >> 625. >> Do you do utilities? >> Yes. >> How much a month total including the. internet? >> About 200. Yeah. >> Car insurance. >> 160. >> Phone bill.

>> 259. >> How? >> How? What? >> What? That's so expensive. >> Because my internet is built into my. phone bill. It's $5. I've got my phone. I have a a house phone for my kids. because it's only $25. >> Dude, once these phones are paid off, if. if if T-Mobile's good in your area, switch to Helium. Those are the towers. that Helium uses. There's literally a. free plan if you don't use much data. But you can also just use a a cheap $15. plan and use data as well. I mean, this.

is like crazy. It's like, come on. Pay. off these phones, figure it out. You. can't afford that's not even close to. something you can afford. Well, food. stamps. Okay, we'll take $300 away from. what you need to put to it, but you. still need to put in about. >> I think outside of food, we spend about. 2 to 250 on groceries outside of the. food stamps. >> I was going to say about 300 cuz no more. going out or getting some [ __ ]. >> TP fund, anything else you and your kids. need should be about 200. Toothpaste, whatever. Sports activities, all that. good stuff, 200. Medical health or any. co-pays? I don't think so. Nope.

>> Okay. Savings? No. >> No. Closed it? Nope. >> Okay. Well, what I am doing is putting. in gym for $50 and you're getting rid of. your $300 bull. That's the reality. there. It's not an option. Subscriptions. looks like they're paid for. Don't have. to worry about it. You don't have any. pets, please. >> I have three dogs. >> No. No. Oh, that's disgusting. That is. disgusting. You can't take care of them. What? How old? What are the What are the. ages? What are the health? >> 12, nine, just turned three. Uh, >> okay. For the three-year-old, what's the.

health? >> Perfect. >> We're going to get him pet insurance. It's going to be good pet insurance cuz. you can't afford to take care of him if. you get sick. 50 bucks. What the How much pet food on a monthly. basis? >> Um, we ended up getting food every like six. weeks. That's I think $50 a bag. >> Okay, I'll call it like 40 then. Anything else that needs to be in your. budget that I have not taken in account? >> I don't think so.

>> Tracker, we don't make enough money. I. mean, this is this is this is just this. is just it. >> It's not even the. >> Can I call your boyfriend in the post. show? >> Yeah. >> I'm going to call your boyfriend and I. need to just confront him and just he. needs to push her to the right thing. This this is the reality. This is. reality. Cuz here's the thing. I mean, 2,849 is what you need to survive in 75. cents. It's like, what the doing? So, you're underwater dramatically. We We've. known the answer. I think the audience. has known the answer since about 30. minutes in. >> I don't give a about what you want. >> I know. >> I'm sorry. You're a single mother.

Sometimes single mothers see their kids. a little less because they go work in. order to take care of their kids. You're. you if you weren't dating this guy, you. wouldn't have a place to live. It's just. not a thing. You're in your in their. future and everything's you need to go. get a real job yesterday and we can help. you. We can get you connected with the. resume services. We can help you get but. I don't give a what you want. You're. going to go to great clips. You're going. to go to wherever. No. Yes. You There's. the face. Never mind. I'm done. See, she's not even willing to sacrifice and. go. Shut the what a piece of. >> great clip. >> No, you're disgusting.

>> You're disgusting. You're disgusting. I I wanted to give you No, I wanted to. give you all these suggestions, but off. Listen, you're not even willing to go do. that. Just off. Honestly, off. Good luck. to your kids. They don't deserve this. You're disgusting. Spending in a budget, overspend, zero out of 10. Debt, you. don't have collections, but for your. income, it's absolutely horrend. horrendous. Obviously, 1 out of 10. Emergency fund, nothing. 0 out of 10. Retirement, >> nothing. 0 out of 10. Real estate. nothing zero out of 10. Ham and her. financial score as rounded up in the. score uh that she well close to what she.

said on the test but.5 out of 10. Get. your score kale.com. Now come join us in. the poster. I'm going to call her. boyfriend. Confront this. Click that join button. Join Hammer Elite. Three premium shows. posted every single day Monday through. Friday including an extra 20 minute of. this episode and every other episode. called the Financial Auto Post show. See. you there. >> How are his finances? >> Bros cooked. >> How is he? >> I can't. >> You can't. >> I can't. I know he's in IRS debt. >> Beyond that, I don't know the total. dollar. >> You don't know how much IRS debt he has.

And you're going into business with a. guy with IRS debt. He doesn't even pay. his own damn taxes. You're getting. funded by the taxpayer. And then you go. into business with him. We fund that and. we allow him to not pay his taxes so. that we pay more IN TAXES. I LOVE THIS. SYSTEM. >> Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.