She Came Here To Cancel Me | Financial Audit

You are a failure. >> Dang, that's crazy. >> What? >> You're fake. >> Instead of just saying, "Oh, you're. right." It's, "Oh, I'll look into it.". Like, shut up. >> Oh my god. Why do you want to hear that. you're right so bad? >> She's. >> You can't say that. You're going to get. cancelled for that one. >> Why don't you take control of the. conversation like. >> Oh, what did I. >> Okay, listen. >> Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. three exclusive dedicated.

shows every single day, Monday through. Friday. And for the rest of the month, I. am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammerite.com. After that, I'll send you a $10 digital gift card. that can be spent basically anywhere and. in most countries. This is the best. membership you'll ever join. That's a. promise. >> Hi, my name is Naomi. I'm 26 and I live. in Tampa, Florida. And you're watching. Financial Audit. Thanks for coming over from Florida.

What do you do for a living there? >> Uh, I'm an entrepreneur. So, I do hair. I, >> you know, when I say what, when someone. asks me what I do for a living, I don't. say I'm an entrepreneur. I say I make. YouTube videos. I own a business that. makes, you know, YouTube videos and. educational services. >> Mhm. Yeah. >> No one answers I'm an entrepreneur. unless they're unemployed. >> Well, I mean, >> so you do hair? Yeah, I do hair. Um I do. a lot of other arts and crafts and stuff.

like that and I make money off of it. Like I make rugs. >> You make rugs? >> Yeah, I do. Yeah, I have um like a tuing. frame as well as like the tuing gun and. everything. So you usually. >> So you're the one at the little pop-up. markets that sells things that look like. they were made out of a spare bedroom. >> Uh not pop-up markets, but I just kind. of word of mouth. >> Actually, really? >> Yeah. Yeah. >> Okay. Okay. Well, that's pretty cool. Congratulations. That's exciting. And. you're able to fully sustain yourself. off of this? >> Uh, no. That's why I moved back in with. my dad.

>> Okay. At 26. Yeah. I mean, I like the. entrepreneurial mindset. Is this a. sustainable business? Is this something. long-term? Listen, I was I was going to. be more on board if we were maintaining. our lifestyle and maybe, you know, making some good financial choices. around this business. But if we're. moving in with daddy. just to live, I would suggest the. business, the market is telling the. business a bye-bye. >> A bye-bye business.

>> Wow. >> So, tell me what you make from this. thing. >> Um, in total with everything, I would. say about a thousand. >> Oh, good. What are you. I don't want to take a [ __ ] all over. you, but what the are you doing? >> That's why I'm moving back in with my. dad. So someone can take a [ __ ] all over. you? >> No, I mean to fix everything cuz my dad. is trying to help me out. >> Oh, something tells me I'm going to have. to talk to him at some point. Okay. Uh. well, I would suggest the fix to you.

figuring everything out is uh maybe. $1,000 a month isn't enough to live on. and you need a real job. >> Working on it. >> You're working on getting a real job. >> Yeah, that's my job right now. >> Huh? >> My job is working on getting a real job. right now. Or not real job, but like. making my own business. I'm making so in. my dad's house. >> No, no, no, no, no, no, no. Is that like. city approved, permit approved? Is that. a legal operation? >> Well, that's what I have to look into.

>> Oh my. >> That's what I'm saying. I'm trying. I'm. starting from the zero. >> Okay. >> Okay. Listen, I don't worry. I brought. my life right here. This is for you to. fix. I have it written out. I have some. things I want you to look into. >> Yeah, why don't you take control of the. conversation? >> All right, let's see. >> Okay, so. I have. >> home and arrow is pointing to.

>> Oh, yeah. It's a prototype for a shirt. I'm working on for my. >> You're working on a shirt that says home. on and arrow that points towards armpit. >> for my band. She has a band. >> Yes, >> I have a life. >> You have a life. You're just. >> Well, hopefully outside of that as well. >> No, but obviously if you're trying to. figure it out,

>> I have figured it out. Your business is. not a business and this is a hobby and. that's exciting and maybe you should go. to cosmetology. Did you go to. cosmetology school? >> Yeah, I I I'm a licensed cosmetologist. >> Good. Work for a salon. work for a. realtor. >> I have. >> There you go. Already better. >> But I know I don't like the atmosphere. of it. >> Work at a different location. >> I want to have my own. I want to be my. own boss. >> I'm sure you do. You can't afford it. You're not doing well. You got to build. up a list of clientele at a place much. larger than $1,000 a month.

>> Well, I'm working with everything. No, you're not. Cuz you're no longer at a. salon. You're trying to build something. out of your dad's place legally, >> by the way. >> Well, I I have to figure it out. Yeah, >> I have to figure it out. That's. interesting. I just told you I have. figured it out. You do not make enough. The business is not a business. It is a. hobby. It is illegal to run this out of. your dad's house most likely if if. you're actually building like a salon. there. to host clientele out of. >> Well, I just moved.

>> in with your dad from Orlando to Tampa. and. >> Oh, great. So, that's our clientele. No, it's not because myel started in Tampa. because I'm from Tampa and so I have. people there waiting for me and then I. moved to Orlando. So now and people in. Orlando said that they were willing to. come to get their hair done. I also I'm. going to get a portable. >> $1,000 a month. They're not willing to. drive. >> Well, also. a month you have like three clients. I.

highly doubt if you're only making a,000. you are not valued enough for them to. drive three hours. >> I don't charge a lot. That's the thing. That's the issue I have. Yeah. No, that's. >> why survive, why live? Why have a. thriving business? I'm. >> I give it whatever this is. >> Okay. Well, this was me thinking of it. and then I got overwhelmed because I'm. like, I keep. >> everything. That was just my thought. process. >> Quiet. >> Oh my god. >> Price sheet haircuts clipper cut 30, short cut 35, medium chin to mid back.

45, long chin. Okay. So, this is your. price thing, hair wash, and drink. Okay. >> Yeah, that was me kind of thinking out. loud. I'm I just need help with making a. price sheet. >> Every place offers a drink with a. haircut these days. It's not very. unique. >> I know. >> What are you offering? Tarot reading. >> Yes, I can offer you one. >> No. Shut the up. Did you even Did you. bringing kids? >> I have I literally Okay, this one I want.

to save for the end cuz I know you're. going to get some valuable advice off of. this one. >> Okay. Okay. Stop. Stop talking. Coffee, tea, wine, beer therapy. She's offering. therapy. >> It's hair. So, basically, when you're a. stylist, you are a therapist basically. because everybody comes to see you. talking about their problem. >> Scalp massage. >> Mhm. >> Hold on. >> Yeah. >> And in cosmetology school, they call it. sex in the sinky. >> Well, don't.

>> I like scalp massages. I I will say. >> fly to Tampa. services. Hair dye, hairstyle, hair cut, makeup. >> Do you have a question for my cards? >> No, we're not doing that. Uh, things. people say they can fall asleep. >> What does Caleb need to hear right now? >> People say they can fall asleep because. of my touch. Get more from me than. therapy sessions. You make $1,000 a. month. Obviously, no one's coming to you.

for therapy. Change their lives from my. haircuts and coloring. I give them. exactly what they ask for. >> Careful. >> Wait. As in haircuts, like you know, they want a certain haircut, they want a. certain style. I provide exactly that. I. don't do whatever. You know, I don't. them up basically. >> Okay. Hey, Naomi, why are you here? So, I purposely hit.

rock bottom because of a YouTuber. >> Certainly wasn't me. Okay. Who? >> Well, that's why I'm here now to fix. that. >> Who? >> I don't remember her name. It was a long. time ago when this happened. When my. death started talking about that? >> I don't know. Some random millionaire. online. She said sometimes you have to. She says sometimes you have to hit rock. bottom. >> and get buy everything that you want all. that stuff so that you could see that. you don't need these things once you. like have them and then work your way up.

so you can get like the craving out. >> Hold on. Some people have to hit rock. bottom. >> Yeah. >> To. like actually learn their lessons and. build up. >> Uh she you lost me at the But buy. everything you want. >> That's what she said. >> And purposely hit rock bottom. Some No, no. Some people have to hit rock bottom. Those in horrible positions. >> Who the is encouraging people to go hit. rock bottom? That's not something we. want to see be done. >> Well, she said sometimes you have to. >> Yes. And that is different. And but you.

said you intentionally hit rock bottom. >> I did intentionally do it because I saw. that I wasn't going to stop. >> I was hitting rock bottom. You're at. rock bottom back in with my dad. >> Like you're you're a dumb trying to do. all this stuff and trying to. >> Well, my card says to stop being so. disappointed. I don't give a [ __ ]. >> Five of cups reversed. Nope. Nope. >> You're putting your bad energy in my. cards. I have to cleanse them. >> Oh, no. >> We're not doing that. I do not want your. performance [ __ ] now.

Disappointed. >> Your father should be disappointed in. you instead of enabling you. I don't. know why why he's allowing you to move. in and continue this instead of pushing. you to do something. You did cosmetology. school. Did you go to school at all? Any. other things? >> No. No, I haven't. >> Why the do you think you're qualified to. give someone therapy? >> Well, the thing is it's more so kind of. like that's why I was going with the. name cuz it's kind of like oh, I'm like. your sister. Like we could talk about.

stuff like advice and whatever. Like. talk about life. >> like a therapist. But don't tell me you. have clients for that. >> Not like that. >> Oh, thank goodness. Thank goodness. Cuz. you would people up. How? >> Come on. You're not licensed. Yeah. And. you might have a pleasant conversation, but you would probably. >> But that's the point. That's what you're. going to get your hair done. >> People are going to take advice from. you. >> Yeah. >> That's not good. >> But like about the thing is you don't. know what we talk about, >> dude. I see your life in front of me. Your life is You are not someone. You.

are not someone to be trusted. >> You don't know me. You are moving in. with dad with failed businesses. You. have nothing. You do terrible. You have nothing. You are a failure. >> Oh yeah, that stuff is more like my. manifestations and stuff and like. >> Oh, she's. >> You can't say that. You're going to get. cancelled for that one. >> That's weird. That's what the last guest.

said. I say it every episode. >> No, you don't. I've watched your. episodes. You hadn't said that. >> They're bleeped. We bleep every word. Uh. oh. Dang, that's crazy. >> What? >> You're fake. You could get cancelled for. saying that. >> Dude, the that word is back. You may. have missed it. >> Oh, we're bringing it back. >> Dude, that word is back. And also, I. don't have a weird audience filled with. pearl clutches who get offended by weird. things. >> Oh my gosh. Yeah. No, all that stuff is. not like business.

phase. >> I need to know I'm a woman about my. phases. You should learn too when you get a. girl. >> I have a girl. >> Do you know about her ovulation phases? It would be helpful. >> What phase is she in now? >> Period. >> That is not one of the phases. >> She has her period. >> She has her period. She's in her week of. skipping birth control to, you know, >> Mhm. >> make it work, right? >> Uhhuh. But you don't know how to treat. her well, like on her phases. Women go.

through different phases and cycles. You. need to know how to like handle her. with care. >> Yeah. But yeah, it's like a bunch of. manifestation stuff. >> You don't know our relationship. You. don't know what we do. Okay. What is. this stuff? >> Well, you don't know my life either. This is just a lot of. >> a lot of blank pages. I see your life is. actually quite empty. >> Yeah. And I'm helping. >> This life was a lot a lot of uh you.

thought her life was going to be a lot, but it's basically nothing. I'm trying to get I'm trying to make. one. I'm trying to make a better one. >> She's writing meow on paper. I don't. know what she's doing. >> You're one of the people that endlessly. I used to have an employee like you who. endlessly thinks about things and. overthinks things and consumes a bunch. of. >> and endless self-help and writes. everything down and all this stuff but. execute nothing. Works on working but. never actually does anything. >> Yeah. And that's that's why I'm here. I.

want you to help me put some action into. stuff. >> Oh, great. Okay. Solution number one. That This doesn't matter. This doesn't. matter. What is this? Throw this down. This is the thing I already looked at. Okay. None of this matters. Terrible. Stop. Rebel deck. I don't give a. resca. I don't care about this. Is this. you making notes? No. This is a book of. stupid. I don't care. Lip balm. You can. keep it. The rest is nothing. This is.

just so I just the the listen you are. the person I see you guys get stuck. endlessly. You work on working but you. never actually push to achieve. something. You always work on trying to. work. >> Mhm. >> But you never accomplish anything. And. it is not working. And look, I mean, you're bringing in $1,000 a month. You. had to move back in with dad to get 26. And I'm not saying it's bad to live with. parents or anything like that. a lot of. other cultures do. But the fact is you. obviously did because your business is.

failing and you don't have enough money. to sustain yourself your life, which. means you are failing. Your business has. failed. You need a career and you can do. this as a hobby. And if you build a. client list big enough to actually. sustain, then you could try it. You're not a therapist. >> I know I'm not a therapist, but I'm. afraid. It's not even a real scalp massage from. the from what I've heard. >> You need to try my scalp massage.

>> You said you need the water bin thing. >> Oh, that Okay. Well, a scalp massage. itself is like you have wash hair in the. sink and whatever when the conditioner. sitting. >> I just want somebody to come over here. and scratch my hair. >> I've done that. I've done that for my. friend's husband. >> Brandon, >> come scratch me. >> Oh, >> is that what he gets paid for? >> Yes. >> Can I get his job? >> No. >> Damn. Well, I just quit Trader Joe's. I was. making more money. >> You did you just quit a job? When would. When did you quit? >> Like two weeks ago.

>> Two what? Two weeks. Why? Why did youing quit? Who do you. think you are to not make money and move. in with dad to try to build this. [ __ ] that's likely illegal out of. his house? >> Oh my god. So, the thing is is because. my morals, they went against everything. >> Hold the gun. What? >> Yeah. What morals? Cuz they're insane. over there. So many people, so many managers weren't. um reporting sexual misconduct.

>> Okay. >> Uh so we weren't safe there. There's. >> Did you report it to a safety. organization? >> I tried third party, local government. >> I tried to report it to corp and. everything like that. And a bunch of us. cuz there's over 20 of us and we've said. stuff and nothing. All they do is switch. management that you witnessed. So there. is somebody wanking in the back of the. bushes during their lunch break. >> Guys can't have fun anymore. >> as well as there was. >> an employee. >> Yes. >> That employee was not fired. >> and it was found from a manager. Two.

managers saw it. Store manager and. >> that employee was not fired. >> No, they moved to the other store and. then. >> Yeah, that's bad. >> Yeah. As well as my co-orker. She got. smacked on the butt um with a knee pad. while she was over on a ladder. >> By who? >> By another employee. And that employee. was not disciplined. >> No, they they let him go. Like the thing. is they had to build a whole case and. then the case still they still gave him. the option to just leave. >> Well, for fair enough, it is important. to do an investigation into it instead. of just taking anyone's word on.

anything. So, it is it is important that. they would ask around, make sure that. this has been, you know, corroborated by. others. And it is very difficult cuz. someone's life is deeply impacted. Someone's life that if that happened to. that person, the person who got smacked, their life is impacted. If that didn't. happen and there was some weird drama. and they reported that which. unfortunately. >> you know in the era we are seeing more. and more false things and it's it is. kind of sad to see and it makes it. harder to just trust people who say. things and um with that like that's.

someone's life who could just get fired. So a proper investigation is fair. That's not a bad thing to do. >> Yeah. But when over 20 people are. reporting it constantly and nothing is. being done I'm very uncomfortable. As. well as they hate mothers um at least at. that location. What do you mean they. hate mothers? >> The store manager. >> Are you a mother? >> I'm not a mother, but I work with. mothers. >> Okay. >> I don't want to be. So, >> but yeah, basically the store manager in. regards to maternity leave. He was. saying that um Oh, there's actually.

mothers in like other countries that. hold babies on their backs working in. the farms. >> Yeah, this is weird. Is the. >> I'm like, why would you say that? >> The um you know, devil's advocate might. be out of context in the conversation. And I say a lot of weird things. And. when people take that and they just like. Caleb said this, it's like hold on. Okay. >> No, there's like a whole thing with that. manager. That's Yeah, it's. >> okay. Yeah, it sounds like a bad manager. if if we're if we're being honest. Sounds like a bad manager. Um but I mean. I heard you tried to unionize.

everyone. >> allegedly. >> What? Well, because. >> you're saying you did not try to. unionize other employees when you told. our producers you tried to unionize. other employees. >> No, I said allegedly. I didn't say it. didn't happen. I'm just saying that I. we've had the discussions. >> We've had the discussions about it. I. was like, literally, if we just all come. together and we don't clock in like. night shift, whatever. >> So, they fire you and get other people. who are.

will. >> show up to work cuz you weren't in like. a high skilled. You'd be shocked. I feel like it would. work because it's worked at other. places. >> This is an employer market. This isn't. the 2021 employees market anymore. >> Mhm. >> People are looking for jobs more and. more. >> I don't know. That location. It's just a weird. location. >> Yeah. But it's a business. They would. much rather get rid of you guys trying. to cause trouble and bring in other.

people. >> at the night shift. >> Yeah. Well, if you guys were shutting. the business down, they'd be shut down. regardless. So, it may as well be shut. down and get other people in, I assume. is what the business would do. >> Mhm. >> I mean, many places would much rather. close their business than. >> I mean, I don't know. I I was just. saying if we need to take a stand at. some point and we try to report all. these things, like, you know, there's. some way to do it peacefully and talk. about it. >> You quit your job and honestly, not for. invalid reasons. So listen, the. unionizing well, you know that you're.

probably just causing trouble at the. business and annoyance for sure, but. like that manager definitely sounds like. a piece of work if I'm believing. everything 100% that you say. And you. know, just for the grace of the. conversation, sure, I will. Uh I. understand that. Get another job. would then be the next. >> logical thing. >> So I have my dad said that he was going. to give me two months to just figure out. my. >> Oh, wait. Hold on. Pause. Apparently, you had a lot of moral.

issues with basically every other job. you had, which makes it a lot harder for. me to then believe you and take you. seriously. >> Okay. Well, do you want to go through it. and we could talk about it? >> Whether or not I believe you will. definitely be a thing cuz you now if. it's like every single other job you. have moral issues with, it's like, okay, then I got to start taking things with a. grain of salt. Then I stop believing. things cuz you're someone that goes in. and tries to claim a lot of things, overexaggerate things, cause trouble. But we'll see. Go ahead. Let's be real. If your private student loans have you. eye in a third job at the local taco.

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>> and so the thing is um they weren't a. medical dispensary. They were licensed. in a different way uh through a. different department and so everything. would have been fine um if they were. being honest with what they were doing. So the thing is it's like they were. advertising as though they were growing. it at their own farm but they weren't. They were outsourcing it. And the thing. is, I don't know where they're. outsourcing it from or whatever. I just. know that me and all these other people. were the face of. >> Again, this is another thing you could. have reported to some government.

organization of Florida. >> We did. We did report. >> There you go. Okay, next one. >> So, um, and then before that, it was a. medical dispensary. >> Well, come on. You keep working in. drugs. >> Well, no, it was just those two. It was. those two. But yeah, uh, the medical. dispensary, everything was good, actually, until the store manager left. And then all these other managers. beneath him were sexist, racist, homophobic, all that stuff. >> According to who doing what? Because no. offense, usually people like you tend to. just get offended, >> I guess. So, well, whatever. Basically,

um, yeah. Well, you're not going to. believe me all those comments, whatever. So, I'll move on. >> It's not that I don't believe you, but. when someone has a sing like every. single job forever is always bad that. we've had, it's just like, well, that. starts to be like a pattern. Is it the. job or is it you? And I mean I believe. you about thing. I mean. >> it's just like in the dispensary what. you're saying, oh they're racist. Like. okay, what does that even mean? I mean I. see people I see people getting. cancelled on Love Island right now for.

being racist. Like it's but they're just. some dumb stupid thing that someone. slightly said a year ago on an Instagram. story and it's just everyone's just a. bunch of man and I'm kind of done with. it. >> Well, whatever. basically. Um. I'll just go to the job before that or. whatever cuz that was a while ago. Um I. can't even remember the whole situation. how it went down or whatever as of right. now. But yeah, before that um I was a. server for like a week and a half. Uh.

because I didn't have like serving um. like I never served before or whatever. and so I didn't know how the tipping. worked. And so basically the front of. house manager, he stepped in because the. other server wasn't there. And it was a. super like busy day, whatever. And then. um at the end of the day, he tried to. take half my tips. And so then I let him. have it, whatever. And then I come home. Um this was the same job that my. boyfriend was working at at the time. And so I told him, I was like, "Oh yeah,

like um I it was a day, whatever. They. took half my tips. It wasn't even worth. it." He's like, "The front house. manager, I don't think he could do that. That sounds like illegal or whatever." I. was like, I don't know. He just said. that's how it was. Um, he does payroll. and. >> what was the point of this? Are you. saying you can't get another job because. you've just had bad experiences with. jobs? >> Um, it's just what are you saying? >> I mean, every time I've tried like I've. tried small business, I've tried. corporate, all that stuff. It's just. always been some sort of like issue like. that. >> Well, someone like you finds issues. everywhere. And some of these some of. these. >> Well, they all ask for me back every.

time. Well, so some of these sound like. if they're 100% true and if we're taking. you 100% honest, which again for the. great of the conversation, I will. Yeah, some of them are certainly wrong. Some. you may be overexaggerating. I'm not. exactly sure. But you can't use that as. an excuse first of all to being in the. industry. And it's like, so you're saying you can never have a. job again? >> I'm not saying that, but I'm just. >> Well, you're not working right now and. you moved in with your dad. >> Yeah, I know. Oh, I can tell you.

>> if you're escaping a dangerous. situation, that's where I'll have. empathy, but you weren't. >> I Yeah. Well, okay. This is the thing, too. Also, at the hair salon, like you. said, you told me to work at one or. whatever. I did at the time like in. Orlando for a bit, and I was a personal. assistant, but there they were just. making me really uncomfortable with like. like literally like if I'm by myself in. the back, then the owner being like, "Oh, hey, sexy." Like seeing me or. whatever. And then like um talking about. how he wants to like motorboat his his.

guests that the client in his shampoo. bowl literally like stuff like that. Yeah. Every It's it was an ongoing. thing. >> Sucks. But does that mean you never get. a job again? >> No. I mean, look at all these jobs I've. gotten though. Like that's the same. thing. >> I know. But you're not working now and. you moved back in with dad and you're. trying to build an illegal business. >> Oh, I'm not trying to make it an illegal. business. I'm trying to figure out how. to even go about it properly and stuff. That's why I'm here. But. >> you've never That's why. >> I know I've never done this. That's why. I'm literally here trying to like learn. or whatever, like to see like what you.

recommend. And this is the thing cuz I. was going to have the two months to just. like sort my stuff out, figure it out. And then after that, that's when I'll go. find like, you know, a job on the side, whatever, like a real job and whatever, and then use that to help myself like. fund everything, like pay off my stuff. >> Why weren't you paying off your stuff. when you had a job then? >> I did, but this is the thing. All my. debt just kept piling up and up. >> Well, debt wouldn't be piling up and up. if you were paying off your stuff. So, that's incorrect. >> That's the I kept buying stuff. That's. the issue. >> But then that's not paying off debt.

>> I know, but I'm just saying that I had. jobs or whatever. And then I was only. keeping up with the minimums and then. that's the thing then that's all I could. have. >> And you think house and pointed armpit. is what is making us a lot of money. getting out of debt? >> Could be. >> No, it won't be. >> I don't know. My I do my My cards say. different. >> Your what? >> My cards say different. >> Cards. >> My tarot. >> Okay. I mean, you're making $1,000 a. month. >> Those are real cards. Dollar bills. Those are real.

>> You're making a,000. That's not enough. to live. Certainly not in Florida. >> Yeah, definitely not in Florida. >> So, what the are you talking about? Really? So, someone like you listen and. I I'm not against do it for fun, the. tarot, whatever, all that stuff. But if. you're actually living your entire life. based on what that said and hoping out. forever that this is going to work, you're never going to do anything. >> Yes. >> You're never going to do anything. >> That's why I'm trying to put myself in. the situation that like I have to. situation the situation where I have to. put action into it. >> But you don't cuz you've moved in with.

dad now. >> I moved in with him so that I can put. action into it because I was just. working in stress the whole time. >> He can't enable youing around. >> No, no, no, no, no. >> No, >> no, he won't. That's cuz that's the. thing. I'm done. Like that's the I'm. done like playing games or whatever. I. know that I've like, you know, bought. all these things, spent all this money. or whatever on my credit cards and. stuff, but. >> yeah, total income uh basically nothing. Spend 5,24. So, done around you. >> Oh my god, bro.

>> Look, that's your actions. What do you. mean? Come on. >> So, >> don't with me. That's exactly what's. going on. >> Okay. Well, >> shut up. You're going out to eat $500 a. month. My dad's investing in me. My. boyfriend's trying to invest in me so I. could like work on myself. >> He's with you, too. You're leaving a. boyfriend with this guy. This boyfriend. >> Is he here so we can bring him in and. tell her to off? >> No, he's working with my dad. >> Oh, for what is your dad doing? >> Construction. >> Oh,

>> but he didn't. They both just enable. you. This delusion. delusion. >> They They believe in you. They're trying. to help you, but they are enabling you. I'm not saying they have bad intentions. >> No, but I've been This is the thing. I've been working and stuff. I've been. do I haven't been trying to ask them for. any tried to get into a career. You've. just been doing. >> I didn't know what to do. I didn't want. to just jump into a career that. >> what would Hey, maybe work at a. different salon with a not a creep in. the back. >> I'll try it out. That's the thing. I'll. try it out. I'm in Tampa now like so I.

could have a fresh start. >> I guarantee you if every single salon. had a creep that was managing it. >> Mhm. >> No one would be working at salons. You'll be surprised. >> Every salon, you had a bad experience. that I empathize with. Doesn't mean you. every salon is bad. Work at a salon. where you get paid. money. >> I'm trying, but my own. >> I can't try to like figure that out. Get. my own like little booth or something.

like. you know what I mean? >> So, how long has his boyfriend been in. the picture? >> Since the end of 2017. and we met. >> Are you guys considering getting. married? That's been a that's a long. time. >> Yeah. Um, so we're not really into. marriage. Like I see marriage more as. like a business, I guess. Because. >> what are we what are we in the pick? >> What do you mean? >> What is your guys's intentions long. term? >> Oh, to like stay together long term. But. I don't I've never been somebody to. fantasize about marriage or anything.

like that. >> Fantasizing. But it is kind of a. lifelong commitment. It's societal. >> I mean, we're already committed. You. know what I mean? Like. >> Yeah. But you're not getting tax. benefits. >> That's the thing. So I I feel I have all. this debt and all that. So I don't know. if that'd even be smart to like combine. to like right now. That's the thing. I. feel like um that depends on you later. >> Well, you don't really have any assets, so there's nothing for him to worry. about. If he had assets, he might have. to settle the some of the debts in order. to receive some of the assets. You know, there's different things complications. around death, but also life insurance.

You know, like. >> this is certainly easier to do the. things for your loved ones if you guys. are more official and everything. >> Mhm. Yeah, cuz that's the thing. I have. >> Did you move into the house, too? >> Yeah, we moved in together. >> What is your dad doing? >> Trying to help. He He My dad Okay, this. is trying to help. >> Listen, my dad was trying to tell us. about a year and a half ago to do that. He's like, I think you guys need a fresh. start and just, you know, move here and. we figure it out. work as a team and. like just figure your guy like your guys.

out. >> You guys are destroying your financial. future, spending like you have unlimited. money, but you're just going further in. the hole. >> What do you mean? >> You have a literal $1,100 monthly car. payment. >> Yeah, it's getting a little tight. >> $264 in monthly subscriptions. >> I didn't know we had that many. You guys. have to take control of your finances. >> How? Just download the Dollar Wise. budgeting app. It shows all of your. expenses in one place and helps you. monitor your finances so you're not.

blowing hundreds of dollars a year on. things you don't need. Download the. Dollar Wise budgeting app today and take. advantage of your free trial. If you. want to figure it out, go to. caleb.com/apply and you can come on this. show by the way. But this doesn't make. any sense and that would be much more. helpful than moving in with daddy who's. just enabling your bad behavior. >> Oh, should I move in with you? >> Okay. What the [ __ ] You shut up. >> Oh my god. Cuz you say, you know, have. all these answers. You don't want to. give them to me. Might as well just help. me out. >> You mean I don't want to give them to.

you. >> I don't know. Because you keep yelling. at me. >> I have I barely even yelled this episode. if I'm being honest. >> You be yelling at me. >> Not that much compared to normal. I'm. very tired today. You. >> lucky me. >> Yeah, lucky you. Listen, the reality is. I mean, you're spending an insane amount. of money when you're bringing nothing. in, moving with dad. You don't have a. business. You do not have a business. It. is a very much a hobby. It would be. considered a successful hobby if it's. $1,000 a month. I'll be honest. But it. is very much not even close to a. business. It's a beyond failed business.

>> Well, what can I get a job? >> Well, okay. After that, after that, let's say I get the job, whatever. Okay, cool. Now, what what's next? >> Well, how much do you make working in a. salon? >> How much would I make working in a. salon? I mean, that would depend on the. area and the salon and stuff like that, but um. >> you know where you live, so come on. >> Yeah. Um, I would say if you're working. in a good location, um, I've seen. I don't know. It could It's a lot. That's the thing.

>> Sake. You can't even think. >> I can't I could look it up on my phone. to see the median. >> No, no, no. I can do that. >> because it's a it's a huge difference. between different like salons and. everything like that cuz I've been. looking I've been looking at my um. >> You worked at Chase for two and a half. years. >> Yeah. >> Was someone there? >> No. No. Chase actually. Um, that was. literally just the area that I worked in. or whatever. It just I was getting. bullied every day and stuff like that. But listen, listen. >> You never She's never not been a victim.

in something. I like I have a hard time. with people like you. >> Oh, no. No. I Okay, so I worked there. for two years and a half. And. >> who would hire you listening to this? You're always going to find a problem. And some some were correct. I'm not. saying, [Laughter]. >> bro, it's. [Music]. Like the this is the crazy thing. You're. going to think this is crazy. So many of. these jobs have asked for me back.

>> For real. >> Yeah. It's easier to get someone low, you know, low paid. Just keep them. there. Yeah, I get it. >> Somebody just said that it would hard be. hard for me to get hired. >> with people hearing this. >> Like who who would want that there? No. offense. You haven't had one job without. you finding something. I'm but that's. the issue. That's why I'm like okay I. feel like then I just need to be like my. own. >> and you will you will find you you will. report yourself for being a or something. like that is what is going to happen. You're you're going to find something. you're going to harass yourself when you.

masturbate. I don't know like it's going. to. >> you know I just let me just help me just. help me live. No, cuz I don't, unlike. other people, I don't just pat you on. the back with what you want to do and. say it's all going to be okay. I am. trying to. And what? No. And what I am. telling you is you just need to go get. aing job. >> Well, I said I'll get one. Just let me. set my stuff up real quick. >> Median salary for a hailer. I saw about.

37,247. according to Zip Recruiter in your area. That's going to be hard to live in your. area off of that. >> The top earner is 51,000. >> Mhm. Not great. I'll be honest for that. area. This is an expensive area. >> Okay. So then should I like what do you. like what would you recommend then? >> Get a real job maybe. >> What's like a real job? >> I'm not saying that's not I know that's. insulting. Uh but uh something with a. higher career trajectory.

>> What is that like? >> I don't know what you're interested in. >> Well, I'm interested in art. I'm. creative. Like look at me. Like you. literally judging me for my appearance. You say you know exactly who I am. So. tell me. >> Well, art if that's what art is that. we're trying to make money off of. Uh. >> I'll show you my real art. This is a. prototype. >> Artsy farts is fun. I'm a bit artsy. fartsy. >> I know you were in you went to school. for music. No. >> All right. Parasocial freak. Listen. >> And you have tonitis.

>> You'll probably hear right now the. >> Yes, I do. It's very annoying. It's. acting up. >> Okay. All right. It's what happens when. every single guest is a fan of the show. Ladies and gentlemen, listen. Yes, we're. both artsy fartsy. I had to accept it. and I had to. >> Why did you kill that dream? Do you. still do. >> I didn't kill I didn't kill the I don't. have as much time to do music. I I. >> said I don't have as much time to do. music. Why? >> Yeah. Like just because like. >> relationship, business, other things. that I want to do doesn't mean just.

because I like music doesn't mean that. there's not other things I want to do. Well, yeah, but I know that you also try. to like have all these other like. franchise ideas and investment ideas and. whatever. time into that instead of music. >> I test the water with different things. Our membership is practically the. largest on YouTube. By the time this. comes out, it might be like that's. something to take. That's history. That's YouTube history. I never thought. I could be someone that makes YouTube. history. That's not an ego stroke, but. that's something that's like, wow, that's cool. So, I'm very passionate. about that. Again, girlfriend, I mean,

that takes time. Dogs, that takes a. little bit of time. There's just not as. much time left in the day running the. business. There's responsibilities that. come with that. Sometimes we have to. grow up. That doesn't mean we kill a. passion. That doesn't mean that you can. still do art and have a fulfilling. career somewhere if there are things you. want. I loved sales and I was damn good. at it. I was the top earner on the sales. team and I moved from music composition. of which I made more money than my. professors when and when it comes to. them making money off their own music. Um, I made more money off of my music.

than them and I was able to live flat, you know, just barely making it with it. cuz you don't really make a lot of. music. The top 1% is very rare. Uh, but. even still from there, >> boring. >> But there has to be something else in. the world that the economy is finding. value in that you are able to provide. value and get paychecks in return. preferably something that has a bit more. of a maybe not hockey stick but you know. a curve upward care career and paid. trajectory if you want to stay in an.

expensive area. >> Mhm. >> So I don't know what it is cuz I don't. know you like that. That's what this. first part of the conversation is. It's. the get to know you and your mindset on. uh money and so far it's but you know. getting to know you and uh I don't know. I obviously I can gift you a course. career certification if there's. something there that interests you. A. lot of our audience uses them and they, you know, get good careers off of it. But, uh, you know, that's up to you. But. you need to find something. And just. sitting on this and being like, "Hope. and dreams, hop and dreams. My cards.

told me it'll happen." You'll never get. anywhere. You won't. I know people like you because I went in. the artsy fartsy field. Okay? So, I knew. composers from all across the country. and it's a pretty relatively tight-knit. community. Here's the fact. The vast. majority of them very artsy fartsy. They. did not have a business mind. I went. into it with a business minded. I was. able to make money unlike most of them. >> You are going to this artsy fartsy and. you are working to work on your stuff. >> You don't have a plan. You don't have.

actions. You don't have a reality in. this field. Everyone like you that is in. this self-help world that is in this in. in the artsy farts all that stuff. You. just work to work but you don't have an. actual end result. And it doesn't work. And that's the thing. I. >> And no, I'm not going to help you on. that. No, I'm not going to help you on. that. I want to get you on a good. financial path. >> Mhm. >> And you just moved in with dad, so we're.

going backwards. >> Hey, that's my rock bottom. The only way. is up now. >> The intention is for your boyfriend to. be the main bread winner in your. relationship, but you seem so you seem. so. anti-traditional. And that's so traditional. So yeah, that's the So me and him kind of almost. take turns of kind of like leaving the. job or whatever. >> So who'sing up and so you guys stay. level forever cuz neither of you ever. get ahead and now now he works for your.

dad. So the success of your dad is only. what is making your boyfriend successful. him going out on his own. Uh you guys. are failures. >> Hey, only way is up now. >> That's not true. But you guys are. failures and I'm going to call it as I. see it cuz I don't want you to think. you're successful when you're not. because then it just allows you to stay. in that cycle forever. >> I got something to look forward to. success tomorrow. >> No, actually no, there is nothing to. look forward to because you have to. achieve that. People think just because. they think it all of a sudden it's going. to happen. Most people sit on their.

dreams forever and never achieve them. >> Well, I'm trying to take action now. >> But you're not doing anything. What are. you doing? Tell me what you're doing. >> Okay. Well, right now I'm trying to take. the time now so I can research. everything. I'm going to New York soon. >> It's this is what everyone says that's. in that trajectory cuz I know so many. people like you. This was my life. That. was my life. I'm researching. It's a. permanent forever research. I'm going to. this conference here. I'm going to this. here. I'm going to this thing and you're. going to New York and you're doing it's.

just like [ __ ] it. Just this never works. out. I've not seen one person do what. you're trying to do in the way you're. trying to do it and has come out. successful. Not one that I can think of. I'm sure there's. >> a successful way to do it. >> Um, if it's the salon, you need to go. into a salon. You need to work for them. and you need to build an endless list of. clientele and work your butt off for not. enough money and then take them with. you. That is a path that I would look at. if salon is our big thing. Art, that's. just putting yourself out there and. trying to get into as many galleries as.

you can. And in terms of the physical. art world, I don't know that as much, but I know just traveling and. researching that's not what's going to. do it. >> What are you doing in New York? >> So, um I have my friend, she's a model. and she's been No, this is the thing. She is a model at one of the schools. there as uh or I probably shouldn't say. and um yeah, basically she gets me free. like classes in there so I can oil paint. and stuff and see. >> Yeah, but you have to pay. They create. connections.

>> Oh yes, it's the endless connections, guys. It's that's another excuse that. everyone uses. Guys, I'm getting. connections. >> Shut up. >> I'm sorry. What do you think your score. is? 0 to 10. It's so stupid. >> Zero. >> Well, first realistic thing she said all. day. Guys, get your financial score. Take the assessment. It is free at. caleb.com. Link in the description. below. And if you don't want to be like. a guest on the show, make sure you. download our Dollar Wise budgeting app. Take the trial and then sign up for the. annual version if you want to save a lot. of money. And I'll also send you a. signed cookbook mailed directly to you.

that can't be purchased anywhere else. Remember, you can also sign up for. Dollar Central, our premium product, but. it does save you a ton of money if you. want all of our educational resources. and the premium version of the budgeting. app. It's 80% off through dollar central. dollar.com. The number one YouTube. membership just got upgraded. And for. this month only, you can join for free. Three exclusive shows every day, Monday. through Friday. Financial audit post. shows, exclusive and uncensored.

financial audit episodes, our call-in. show, Hammer it out. >> Then take the tra. >> and brand new shows fat and fatter. >> That is wild. >> That one is. >> I would go off brand. >> behind the audit. >> What? >> This was wild. >> Hammer versus internet. And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with.

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>> Let's get to these statements. Sorry. that intro took so long, ladies and. gentlemen. This just what but I got to. learn these creatures sometimes. And oh. my gosh, there's a lot to learn with. this one. >> What's wrong? >> Your laugh is scary, >> bro. >> Freedom card. What's going on here? >> Freedom. Uh-huh. >> I had too much freedom with that card. >> Uhhuh. What's going on with this card? >> Well, that's where it all started. Okay. I will say I was very responsible when I.

first got it and then after. >> gets over maxed out. >> Yeah. >> Oh. Oh. >> So, after I left Chase, I. >> How long ago was that? Oh, that was. probably like 20 22. >> Okay, go on. >> Yeah, something like that. Um, but. basically I took 8 months off of work. within that. That's when I took. >> because literally just the amount of.

stress that I felt from that job. >> Chase, you're never going to survive in. this world. You're never going to. survive in this world. Nope. You're. done. You're never going to survive in. this world. You're never going to. survive. >> You would have no idea what was. happening in my life. >> I've worked many of jobs. Many jobs. Many good jobs. >> Jobs. It's life. It's It's Yeah, it's. I'll get into the life stuff later. We'll We'll get into it later. >> I hope not. You come on. Come on. That. doesn't mean you take work off for eight.

months. >> I wasn't That wasn't the intention, but. also No, and this is the thing. I was. going to try. >> economy, by the way. >> No. And the thing is, too, I was trying. to work on um the rugs. That's when I. started doing rugs. I know. Okay. Okay. >> [ __ ]. >> But it's I'm always been a failure. Oh, your business is No, you tried. everything. >> Oh my god. Hey, but it's fine. Like, I'm. here. I'm trying to fix it now.

>> You're over max out credit cards. It is. not fine. 8 months off. How did you. afford to live for 8 months? Was it just. credit cards? >> Um, I had savings at that point. Yeah, >> you had savings. >> Yeah. Yeah. Yeah. So, this is the thing. Um, I was very responsible when I was. younger with money and stuff until after. Chase. So, I always had like four to six. thousand in my savings. Um, I paid off. my card. >> What was your savings? >> Um, what do you mean? Like. >> No, they're telling me it was your 401k. >> I did withdraw that. I know. I know. And. I regret it. I regret I I will say I.

regret that. I know. I know. The time the time was on your side so. much. I know that money compounded for. the decades of your life would have been. incredible. >> I think the 401k might have had 4,000 in. it at the time. >> That would have turned into tens of. thousands by the time you retired. >> I know. I know. I know. >> Also, you could take time off cuz you. were bowed. Oh, >> cuz I that's the thing. I believe I was. like 22. I was like, "Oh, like I got.

this. cuz I have my dreams and blah blah. blah. And yeah. >> Yeah, I know. >> Something's not lining up though because. listen, this was a long time ago now. >> And when I asked you what's going on. with this card, you told me that that. doesn't make sense. You wouldn't be over. maxed out right now. >> Oh, no. Yeah. >> From 2021. So, what the are you talking. about? Why are you over maxed out? Balance. Balance. Balance. $8,437.83.

minimum monthly payment. $222. which uh on,000 hours a month a little. difficult. >> Angel numbers. >> Are you having stroke? What's happening? What were you doing over there? >> Being a that you won't catch me saying. that. Not on camera now. >> Well, that's where everyone fails. Everyone's naughty behind the scenes. I'm just brave enough to be goon on.

camera. >> So what? What? >> Well, I don't understand why you're over. max out. You're purchasing. Why are you. purchasing? Why the possibly. >> if you're going to get pushed to over. max out? Are you purchasing on a card? You How long does this take to pay off. if you make minimum monthly payments. only without any purchases? >> The thing is is that. >> Hey, answer my question.

>> Answer it. >> No, it's a number. >> It's a number. >> What? >> See, she's trying to answer a question. she didn't even listen to. Shut the up. Ask it right. >> I'll ask it again the same exact way cuz. it was correct. How long does this take. to pay off if you make minimum monthly. payments without any purchases? >> Oh. Um, >> that's exactly what I asked, by the way. >> That's like going to be what? Over is it. 20 years? No, over 20. >> Yeah, basically 19. >> Yeah. >> Yeah. You'll be almost a 50-year-old.

failure. [Applause]. >> You're still living with daddy. >> I just moved in. What do you mean still? It's been It's like what? Day seven. >> Over maxed out credit cards. 20 years to. pay it off. >> No, it's it won't purchase. Yes, it. will. No, you won't. you were. purchasing. >> No, I'm going to figure it out. I'm. going to figure it out. >> This is what people say. What do you. think? You think I'm going to stop. pushing back on you because you're going. to say, "I'm going to figure it out.". Listen, this is what you are doing right. now. Like, why am I believing that? That.

is such a lie. If you would figure it. out, you would have figured it out. What. you are doing right up. What you are. doing right now, >> what you are doing right now is. purchasing $84.93. while $13827. of interest is acroing. I'll figure it. out. you. This is what you're doing. right now. What are you purchasing on. here, lady? What are you purchasing? >> I've been buying It's probably a lot of. Trader Joe's stuff, like food or. whatever. Um I I don't know if I use. that card to buy my.

>> Trader Joe's. That's where the. Bushwhackers work. >> Well, yeah, that's cuz I was working. there at the time. Remember, I I quit. like two weeks ago. So, yeah, that's. like where I was going. >> That's where you quit from two weeks. ago. >> Like around two or. >> So, you want to see the dog slipping. through the bush? No, I'm like I'm figuring it out. Okay, >> a good I have a solution to figuring. that one out. Don't go there. No, just. go to literally any other grocery store. you live in a major city. >> Oh, no, no, yeah, yeah, yeah. I'm glad. we figured that one out.

>> That was in my other That was the Trader. Joe's in the other city I was in. I. moved. >> I don't know. Sounds like the heads be. peeking through them leaves. >> I don't want to see that. >> Just I want to see. I'm going to be I'm. going to be on the lookout next time I. go to Trader Joe's. >> Why you Why do you want to see that? >> Compare sizes. >> Hey yo, what the [ __ ]. >> And no, it's getting [ __ ]. It's JetBlue and it's Pizza Hut. So off. $85 of interest acred this year so far.

It's only at a 20% interest rate, which. is great for a credit card if we're. being honest. So, you are getting. destroyed almost $1,000 this year alone. on what's considered a relatively. halfway decent uh credit card. >> Yeah. >> Interest rate. So, you areing that up. >> Well, yeah. I mean, I'm like I said, I'm. going to You hate the answer, but yeah, I'm going to have to figure it out. >> What is that? That is [ __ ] I know.

That's the thing. >> It's such a dismissive response. Listen, I just don't know what else to say. Like, cuz that's all like I Yeah, >> you're not figuring it out. You've never. figured it out. You're only getting Jet. Blue. You going inside getting some. [ __ ] You Pizza Hut you. >> me then? >> Yes. I mean, if you're going in and. getting some [ __ ] I can tell it's. only a few bucks. You're going to get. some Pizza Hut as well. I know. It's. [ __ ] It's [ __ ] [ __ ]. [ __ ].

So, what are we doing? Why are we doing. that on a car that is over max out? Like, you're destroying your life. You're making it so much harder for you. to ever move out. So much harder to ever. be with your boyfriend. >> Because this is the thing. Because the. money that I was making, it was my um. monthly like minimum balances for all my. cards. It's so much that. >> Oh. Oh. >> What? >> This card says Oh, I said it again. >> No, it says I'm the star. You can't read.

that. said, "I'm the star. That's why. I'm on the show." Cuz I'm the star. today. Like, come on. >> Oh, you disgust me. No. Are you here. only to be on camera? Cuz if so, I'm. ending this conversation. >> Oh my god. No. I'm literally here. obviously being vulnerable right now. Talking my I brought my life and you. threw it. >> Well, it was like five pages and like. 300 empty pages. I don't know what I'm. supposed to do with it. >> You're trying. I want you to fill up the. rest. Help me out.

I've already told you honestly that this. show is very basic. Now, for what it's. worth, you know, a lot of people I've. seen some complaints. It's it's a little. weird. Like, I can't believe this isn't. a super intense financial education show. like The Money Guys. This is very basic, but it's also awakening more people and. changing more people's finances than any. of those other shows. Money Guys, Brian. and Bo, I love you, but it's just like. because there's more views. Uh, so more. people have changed their life with this. cuz we do the wakeup call. A lot of. people don't even know what the a budget. is. A lot of people don't even know how. bad that is. So, that's what we do. But.

let's be honest, this conversation is. basic. I could do this in 5 minutes. Uh, your business sucks. Quit. Go get a real job. Pay off your. debt, smallest to largest. Use a. budgeting app. We'll gift you ours for. free. Boom. Relatively easily solved. That is basically the entirety of this. Now, we go through each example of your. documents and I learn about you and we. get in more detail, but this is simple. You're a failure. You cannot be. Simple.

steps. Budget. Sacrifice your wants. Get. a real job instead of being a fake. entrepreneur. Boom. You're on your way. >> Daddy, stop enabling daughter. Boom. You're on your way. >> Oh my god. It's like a He's just investing in my. future with this. >> He's making sure you're never able to be. independent for the rest of your life, which is horrible for your future. And I. am going to call him in the post show, let me tell you. >> Oh my god. Do you know Spanish? Does.

>> Does he know English? >> Not much. >> I was. >> You could try. I mean, you could try, but I don't know how it's like for real. going to go. >> I have some Spanish speakers here, but. >> Okay. >> I don't know. I'm an English speaker. because, you know, >> I mean, yeah, we could try that. We. could try that first and then Yeah. >> Why doesn't he speak English? I mean, he. does, but like he gets by or whatever. with everything. >> Something I would learn. >> Yeah. I mean, he knows enough to like. >> try to, you know,

>> but like for the show, you know what I. mean? >> For the sake of my business and. everything if I'm going to operate here. >> like. to operate it though. That's Yeah. Yeah. >> Okay. Good, good, good. >> But not for me to communicate. >> I mean, you could try. Like I said, you. could try. >> How long has he been here? I'm not. criticizing him for not speaking English. specifically. It's just like I feel like. >> I feel like that's a long time to for. the benefit of him in his. >> I mean he's always stayed in like. construction and stuff so like he just. kind of learned that instead like. strictly that I guess. Yeah. >> Okay, fair enough. Discover it. Discover.

it. Oh, 7. Oh, good. We're over maxed out. >> again because you're nothing but. success, guys. Remember when she said. she was uh doing better earlier? Shut the [ __ ] up. $7,17528. on here with a minimum monthly payment. of $186. Purchasing. You're purchasing. In what. world do you think you can purchase on. here? Listen, usually I give guests the.

Fizz card, debit card that builds. credit. We like that. I don't even want. you to have that cuz you'll find a way. to abuse it and hurt yourself even. though it's hard to do with that thing. That card originally I used it for a. balance trans the payoff. You used it. for a balance transfer and now you're. purchasing on your over max out. >> Yeah. Yeah. >> I I did go through a whole phase of like. shopping a lot like a lot.

>> It is a miracle we have survived as a. species. >> You know, YouTube did tell me to balance. transfer or whatever. So, >> it can be a tool. I'm okay with balance. transferring. I'm okay with. consolidations. I'm okay with. bankruptcy. There are consequences to. all. But I am not okay with any of them. if you do not change your behavior. And. you very clearly have not changed your. behavior. I'm changing it now. No, you're not. You do not just be like, "Come on the show. I'm changing it. today." No. Look at your actions. I have. it right before you came on the show. Shut the up. That is a bull response. that I will not accept. I will never.

accept the response if I'm changing it. now or I need to work on it. No [ __ ]. This is what you're doing the like a day. before you came on. So shut up. Balance. transfer, bankruptcy, consolidation are. damaging if you do not change your. behavior before you do those. They can. be a tool with some consequences, but. potentially a tool. If you change your. behavior, I recommend at least 3 to 6. months of behavior change, proving it. before you do it and you didn't. Where were you purchasing on here? Last.

time you said it was something something. that wasn't even even close cuz it's. Pizza Hut [ __ ] and flying. So that. wasn't true. What's the lie going to be. on this one? What are you purchasing? >> That's the thing. I'm like, all I. remember, >> who told you to balance transfer? >> Someone on YouTube. And then also, >> you don't even know who you watch. >> That's the thing. I That was a long time. ago. I was watching multiple people. >> Listen to me about anything. At least. know me. >> Now, no, that's the thing. Now, now I'm. trying to, you know, find my YouTubers. That's why I found you.

>> Again, aren't as basic. Like, even those. who criticize me and hate me, they don't. say what I say is wrong. No, that's I. mean No. Yeah, you ate with that. >> Yeah. >> So, you don't know what you purchased? >> No, that's. >> credit score 650. Not great. >> Oh, I thought it was lower. >> Uh, okay. Some gas. But then he went and. got some [ __ ] Went and got some. [ __ ] Trader Joe's got some. [ __ ] Trader Joe's got some [ __ ]. cuz that's ain't that's certainly not.

groceries. Way too cheap. You went in, you got some [ __ ] Nine bucks. Seven. bucks. >> from where? Trader Joe's. >> Oh, no. That's always. >> the dick out factory. >> Okay, listen. Uh, it's Trader Hose and. then also at Trader Joe's. That's. usually where I get. >> tempted me on going. >> Hey, you should work there. >> I do. Okay. >> So, you hobbies? >> Hobbies? Working retail? I have nothing. against working retail, but that doesn't.

sound like a hobby. Like, no offense. I you have no time for music. Maybe you. can make time for this. >> That does not make sense. Okay. So, you're going in and getting some bull. constantly. >> No, I just feel like I always buy grocer. No, I usually just buy like groceries. there. >> You're not. It's like seven bucks. I. know for a fact. >> No, it No, I I don't buy snacks like. that. Like I stopped because I was. >> like water. I buy water. >> Yeah. Like that's. >> I need water.

>> Are Are you stupid? We We have water. bottles. >> I know. I buy the water bottle. >> No, we have water bottles to be. refilled. >> You're going and buying. >> me buy a water bottle. >> Yes, cuz it's one time. You What do you. think? What? What do you What are you talking. about? >> Oh my god. >> This costs like a couple of your trips. You're done. And it's done. Like then. you don't have to. >> I'll get a water bottle. Which card you. want? >> Brand new concept. >> You want Which card should I put it on? >> When you go make money until then. Until.

then, you're drinking out of the faucet. >> Like a Okay. >> Like a what? >> I don't know. >> Racial slur. We're getting like. >> That's like the image that came in my. head. >> You want You You trying You're trying to. get something out of me. You You can't. get it out. >> And you know why we bleeped what she. said? Cuz she said the N word. >> Oh my god. You're so crazy. >> She said the N word, ladies and. gentlemen. >> Oh my god.

What? Y'all believe what you want to. believe. I can't control that. >> Listen, I don't know. You're just going. in and getting single use. Single usees. and this sitco a oz. You went in and got. some bull cuz waw wa that was gas. >> I probably had a. >> Petco. What? For seven bucks. Definitely. not food. That is way too cheap for pet. food. >> Oh, I sometimes get like the individual. cans. >> You're in a band with folks from Trader. Joe's. Yeah.

Yeah. We're in like a folk punk band. >> Are you spending money on this at all? >> Recently, um because my coworker, he has. a new neighbor and so now we have to go. to a studio to practice sometimes. Um. because of the drum set. So that's like. $30 sometimes. >> $30 a person. $30. >> per person. I know. >> You make no money. >> I know. I know. I know. That's the. thing. And so that's why like now in the. Tampa or whatever, I'm trying to tell.

them like maybe we can practice at my. place now now that at my dad's or. whatever. >> Oh, your dad will love that. >> Yeah, he encourages it. >> Doubt. >> No, he does. He's a party guy. >> You're playing folk music. >> Folk punk. Okay. >> Wells Fargo. 20 years to pay off again. Please don't be over maxed out. Please. don't be over maxed out. I can't find.

the max. Huge balance regardless. What's. up with this card? >> So each card is has always been like a. balance transfer to the start. Yeah. >> How many times have you done this? >> I. in total I have four credit cards. >> You've done four transfers and then. you've built them all up again. >> Three. Yeah. >> Yeah. No, I was crazy. I was like, what? What if after one it would suggest that. it doesn't work? You tit.

>> It just kept going and going cuz I kept. saying it's going to be different this. time and then it wasn't different. I. just kept. >> What? Why would you think it's. different? It's just like you saying I. need to figure it out afterwards. It. doesn't ever happen. >> My mindset has changed. >> No, it doesn't. That's what you said. before the first consolidation and after. the second consolidation. and after the third consolidation. This. fourth one is no different bottom. I hit. rock bottom. The only way is. >> you haven't hit rock bottom cuz you can.

get into a much worse situation. I. >> could I know I could but this is I told. myself this was going to be my rock. bottom. >> No, you don't get to decide what your. rock bottom is. That's not how it is. Life will go and. >> you're lucky you have dead there but. he's allowing you to go even further. down. If he dies, you're [ __ ]. >> I like uh I I am figuring I'm going to. figure it out. Like I have to. >> So, as many of you know, I've been a big. supporter of course careers for a long. time. I'm not just a partner. I actually.

own stock and I'm an investor. So, why. did I partner with Course Careers? Because I truly believe in what they're. doing. A lot of people have questions. about online certifications versus. traditional college degrees. Let me be. clear. I wouldn't put my name behind. something unless I knew it worked. The. thing is, not everyone has the time or. resources to spend four years in college. or take on massive student loan debt. Horse Careers offers a practical, affordable way to launch a career in a. high demand field like tech sales, IT, and accounting, where companies are. hiring based on the skills needed, not.

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their free intro course linked in the. description to explore your options. And. when you're ready, use the link in the. description for $50 off the full course. Your future starts right now in Course. Careers is here to help you shape it. >> I know. >> Yeah. What a [ __ ] response. Cuz. that's. >> what do you want me to say? What do you. want me to say? What would actually. satisfy everything? >> Absolutely nothing. >> Exactly. So, I'm just going to You want. me to talk or whatever? That's what I. have to say. >> But you don't have to say that. I don't. know. There there are answers that other. people have given that has satisfied me.

Like. >> I'm trying to think of an example. Well, listen. We're doing this live. >> because it doesn't seem like there is if. you can't think of anything now. >> Because what you get to do at least is. give an example of what you should pay. off when, what you could make at a job. you didn't even know what you're making. You could give real life examples of. what exactly you have to do. Instead, what you do is the deflective I just. need to figure it out. Such a general. broad nothing answer. >> Yeah, because that's the thing. I cuz I. just moved so I haven't sat down and. knew it. This is me sitting down right. now. >> Instead of you actually ever figuring it. out, you've only ever told yourself I. need to figure it out. And that's why I.

will not accept it. Yeah. And now I want. to put action into this. Why do you. think I want this show? This is low-key. action. I'm flown all the way from. Florida to be here. >> Yeah, but we pay for that. So, it. doesn't mean. >> Yeah, but I still time out of my like. >> a day. You lost a day. >> I still I I put in the action to come. here and talk about it and be. vulnerable. >> And I'm glad I'm excited about that. I'm. not [ __ ] on you for that. All I'm. saying is the the the phrase. >> your phrase of, "Yeah, I need to think. about that. I need to work on that.". It's nothing. cuz that's what you've. told yourself your entire life after.

three consolidations in a row and it's. never worked. So I cannot allow you to. say that because it is damaging to you. cuz it's never worked. >> I have to put action in. I know. I have. to put action in and I want to figure. out what that action. >> So you purchase $21 on here. Yeah. How. about not that action? That's a good. start, >> right? Oh, you're over the limit by. hundred stupid dumb dumb. $133.

The minimum is 177. Stupid. This is so stupid. Minimum. payment is or the balance is 5,13358. What did you purchase on? That just. happened so you should know. I will say whenever I use a card, I'm. not looking. I'm just seeing which one. has a balance to like pay it or whatever. cuz my checking account always gets to. zero because I have to pay all those. minimum balances because I think in. total um I probably pay like 700 a month.

for my credit cards in total. >> Good. You deserve that. >> Yeah, that's the thing. I have nothing. in my checking. So then usually. >> get a job. >> Yeah. Yes. I'm I'm going to put in the. action. I certainly hope so. That's a wait and. see. That's not aing conversational. piece. >> Yeah, we'll wait. >> Yes. I also should say you just need to. put in the action. That means nothing. >> You've done nothing. You've always only. told yourself you need to put in the. action, then you never do. So that means.

nothing. Shut the up. >> So you have no idea what you purchased. >> I just. >> I know what just happened. >> Was it food? It probably was food. I've. been buying food. >> Yeah. Going in and getting some. [ __ ] Getting some [ __ ] Getting. some [ __ ] Going getting some. [ __ ] Getting some [ __ ] And the. garden restaurant and getting some. [ __ ] And then Vans. You did not. need new shoes. I promise. >> Oh, I literally didn't have any shoes. >> That's a lot of heels. I only had heels. That was it. >> There is no humanly possible way.

>> I don't own a lot of shoes like that. >> A lot of shoes. But you own shoes. >> Heels. I only had heels. >> Go to Goodwill. $371.87. of interest this year so far. Well, you. certainly can't afford a restaurant that. was more expensive than Vans. The Garden. >> The Garden. >> The Garden. The Garden. >> I don't even remember what that was. >> It was $86.50. >> $86. >> and50.

>> Garden. I I really don't remember where. that was. Now, this is dad that enables. you. When you do not have enough money. in your account and you do not have. the ability to spend on a credit card. cuz they're over maxed out, does he ever. give you money? >> He's helped me. >> No. No, Dad. No. Papa. Right. What do we call them? >> Uh, yeah. Papa. Senor. No.

Puppy. He says that when he was my age, he was. drowning, too, or whatever. So, yeah, he's. >> And what happened? Did his grandparents. bail him out? >> Um, well, he he did his grandparents. figure out. What did he just say? >> He figured it out. >> There we go. He figured it out because. there wasn't an endless enablement. system. And now he is making sure you. never figure it out. >> How much How much does he lend you here.

and there? Lend or give? I don't even. know. Um, >> do. >> you have debt to him? >> He I try to pay to I offer to pay it. back, but he doesn't. >> How much and how often. >> and when and what? >> It's only been whenever I couldn't pay. off a bill or whatever. >> Always you don't make money. >> Yeah. Well, yeah, there's um for. example, like $100 usually if I have to. like say a certain thing. >> Oh, you borrowed $1,000 the past few. months. Yeah, because I needed like I.

said with the bills like if it's just. like oh you know like here or whatever I. couldn't like pay for the Uber so he had. to like send me 100. Yeah, but with the other stuff you had. like the I had to get like 600 for like. bills and like whatever and Yeah. I thought you couldn't break those mics. Oh, never mind.

>> Yeah, >> dude. You're never going to make it. anywhere until he cuts you off and makes. you actually go get your own [ __ ]. figured out. >> Cuz you're never going to have the. incentive to figure it out cuz he's. always going to help you. >> If he can take care of the bills, why. would you have the incentive to go grind. and pay the bills? >> Literally, >> can you answer that question? >> Okay, so. >> answer that question. Why would you have the incentive to go. out and grind when a bill comes due if. he will just pay for it? cuz it's not like he can always pay for. it. Like with his job is it comes in.

seasons like construction. You know what. I mean? >> Right. So you're taking from someone. like that. That's honestly selfish. behavior. >> Makes it makes me feel terrible or. whatever because. >> enough to consistently do it. >> Well, this is this is a more recent. thing that happened though. Like this. had been for like the past um I started. having these issues I think like about a. year ago. >> because before that I I was never asking. him for money or anything like that. >> Does your boyfriend speak English? >> Yeah. Yeah. Yeah. >> Okay. Maybe I'll call him in the post. show. >> Okay. Yeah, call him.

>> Cuz you guys have been together for so. long and he must be enabling you, too. And the fact that he's living there, it's so weird. You guys are just dead. beats. >> Hey, what's dead beats? >> We're trying to come up with actions. now. >> That again, that is nothing to me. You're trying to come up with action. Do. action. >> I'm I know this was fun. >> You're not. I know you could do so much. without coming on this show. You could. literally just [ __ ] go work.

So stupid. And you plan on spending. hundreds upon hundreds to get a salon. set up in your house illegally? >> Oh my gosh. Well, cuz it just. >> illegally. >> I want to look into it and see what I. can do. >> That's her response for everything is so. annoying. >> Stop telling me the same. Instead of just saying, "Oh, you're. right." It's, "Oh, I'll look into it.". Like, shut up. >> Oh my god. Why do you want to hear that.

you're right so bad? Why do you want to. control the conversation so hard? >> It's not about my ego. It's about you. accepting it. >> The ego. >> That's how you're framing it. It's about. you accepting it. >> Accepting it instead of I need to look. into it. It's a deflect and move on. response. That's what it is. I'm trying to accept it. That's the. thing. I have the dad. >> Just accept it. Don't try to accept it. Accept it. >> I accept it. >> Wow. She finally did something. First.

time in hering life, >> dude. I don't Good luck to your family. City Simplicity. Okay. What's going on. with this card? >> Uh yeah. No, it was like I said, that. was the last Yeah. No, that was the last. card actually that I got. Um, balance. transfer. Yeah, >> looks like still purchasing. Still. purchasing. Over the limit. Over the. limit. >> What a joke. What a joke of a life you.

live. You don't give a $7642. You don't give a Everything's been. [ __ ] Purchase. Haven't seen other. than one gas purchase. Haven't seen a. single necessity. What a joke. 14 years. to pay off. Good luck. Good absolute. luck. for a Paris trip. >> I did go last year and Amsterdam. >> What? What the is wrong with you? You. can't afford. >> I Yeah, that's actually how I completely.

maxed it out, actually. >> All your purchases are [ __ ] again. Oh, go in again. It's a [ __ ] Go get. some [ __ ] It's a [ __ ] It's a. [ __ ] And laundry. Do you not have. laundry at your house? >> No. I mean, now I do. Like the. laundromat or whatever. Yeah. >> Yeah. >> Yeah. I have It's like um where I was. at. >> Okay, that's fine. That's fine. That's. fine. Everything else was bullsh.

>> What? >> Like. >> it was all [ __ ]. >> Are you not willing to accept it was all. [ __ ] It was all [ __ ] Person, >> you're going in against [ __ ] You're. going in and getting some [ __ ]. >> Groceries. >> Not groceries. Not groceries. I. guarantee you they Oh, the water. Yeah, I got it. I have to buy a water bottle. Got it. >> You'reing around. You're being [ __ ]. >> This is so stupid. The way you were. living. So, this is student loans. >> Yeah. >> What did you do? This is for.

cosmetology. >> Yeah. >> $10,000 for cosmetology. >> It was all for you to not use it. >> But yeah, I had a PEL grant and then I. paid off a $500 loan. >> Oh, man. And we pell grranted for. cosmetology. Kill me now. $9,93569. Re look at the Pell Grant system, ladies. and gentlemen. Payments are becoming due soon. >> Yeah, >> cuz the time for this sitting at zero is.

done. >> Yeah. >> Oh, they've announced it and you're. you're going to have to actually pay the. bills that you chose to take out. >> Yeah, >> you deserve it. And I'm okay with income based. repayment. That's okay. And luckily, you'll be on an older system of income. based repayment instead of the newer. systems that have been announced cuz. that's for future borrowers if I'm not. mistaken. But. >> Mhm. >> $9,935. I'm guessing with an income based thing,

I it's going to be pretty cheap. Typically, I'd say you're about at 150. bucks. Traditionally, I'm going to say. you're going to get moved down to 25 to. 50. I'll do 50 just to be, you know, just to be safe as we make out the. budget at the end. This is ridiculous. How long was cosmetology school? >> It was um about like a year and a half. for me. >> Okay. >> Yeah. >> Is that normal? >> Well, it took me a little bit longer. because of um family stuff. >> Okay.

Okay. So, these are going to come due soon. >> Yeah. >> And you better pay or else they're going. to come and get you. >> I'll pay. I'm coming and get you. This. is not around anymore. >> This is your checking account. Really not much in here. It's very. scary. Lots of transfers back and forth. >> Oh, yeah. >> Paying for. >> Oh,

>> paying for deposits. Paying for, paying. for, paying for, paying for. What are. all these paying fors? >> Oh, so my. >> Oh, no. >> Um, overseas, my mom lives in Venezuela. and she uses my um debit card for. transactions over there. for like food and stuff. >> Why you Why not papa or papy? You make. no money. >> It's um so my dad and my aunt um they. transfer and then I also help out to. like send money over there. Uh they're.

seeing the the statement that they went. through. They were not seeing overseas. transactions. >> It is. >> for some of the pay fors. >> Well, cuz she has I mean I guess she has. access because they use zel over there. for the grocery stores and stuff. >> Well, zel's different. I'm talking about. the the Chase paying fors. >> Oh, that Oh, yeah. Yeah. Yeah. >> Yeah. You know, the thing that I said. like four times. Yeah. It never. mentioned the word zel once. >> Sorry. Sorry. Yeah. Yeah. Yeah. No, my. bad. Because. >> I'm glad we're just hearing. things that I'm not even saying. Yeah. Keep going. >> Oh my god. Okay. Well, that um yeah, I.

had used it because my mom needed money. and stuff. So then I put that like. >> just do everything else wrong. Like. yeah, >> Michael stores going in getting some BS. Going in and getting some BS. Going in. and getting some BS. Salon Centric going. and getting some BS. The Hideaway BarM. draw $560. Who knows where the that. went? That's insane. Battle to LA. Going. in and getting some BS. Going and. getting some BS. Wendy's Amazon. Going in and getting some BS. Rook oven. pizza going in and getting some BS. You.

go in and you stop for constantly. Pizza. Hut $20. Who knows where that went? Going in and getting some BS. Oh, selling out. Hold on. How much does. mom take? Cuz this is like upwards of. $2,000. >> Well, yeah. That's the thing. We help. fund everything over there because it's. >> You can't You don't have money. You. can't. I'm sorry. The best way to take. care of other people is making sure. you're at least able to survive so you. can take care of them long term. Right. now, I'm seeing about $2,500 of sales. That's impossible. Your savings has gone.

down to $0. This is impossible. You. can't fund this. Your dad can. You. cannot. You don't make money. How How. would you. >> I don't like this. And I know the. situation in Venezuela is a bit they. really their whole situation. >> My grandparents there and my grand make. money. >> How are you ever going to be able to. live life? >> Yeah. I mean, that's the thing. And it's. hard to cuz in Venezuela like the prices. they change every day. And. >> have they considered coming here?

>> They can't. >> Why? >> Well, my mom can't. She has She has to. wait the 10 years. >> Okay. >> Yeah, cuz she got. >> How far is she? >> Uh, seven. >> 10 years of what? >> Um, cuz she was deported. >> She was deported. Was she on asylum? >> Um, it was. >> for Venezuela. Yeah, it was like um we. tried to do the asylum thing and stuff, but our lawyer, they switched it over um. to a different lawyer at the last minute. somehow. Did. >> you have like a public lawyer? >> And she was terrible. She had everything. wrong.

>> You had a public lawyer? >> Um it was um that's the thing. I was. that I was 18 at the time, so I don't. really know too much from that, but I. know that it was like um. >> 10 years and then what? Um, and then she. would have like a chance, I believe, to. like try to like reapply for like a visa. or something. Yeah. >> Of which I wonder what that accept rate. even is if that's on our record. >> No. Yeah. Yeah. So. >> yikes. now, as I build this budget,

you and your boyfriend have been. together for a long time, and I. understand it's a complex relationship. with you guys not wanting to get. married, but we're still kind of a. household. It's weird. What is your. guys' communication relationship with. money as I do this budget? Like what is. anything with you guys? >> So we I know that he's not super. comfortable with like finances and stuff. like that. Just. >> in what way? >> He just doesn't like learn about it and. all that stuff. He doesn't um he did. have just like um it wasn't a credit. card, but it was one of those things. Um.

>> does he have debt? >> It's paid off now cuz it was only Yeah. Yeah. Yeah. Yeah. So no. No. Well, so. why are you trying to say he's the one. bad with what? >> Oh, no, no. I'm not saying he's bad at. it. >> He's terrified, but he has no. >> Yeah, but he doesn't like he gets scared. to look into it, if that makes sense. Like. >> good. You guys shouldn't. You should be. scared, too. You have completely your. life. >> But what is your guys' relationship. communication with finances? What are we. plan to do. >> to like with my credit cards or like my.

finances you guys together? >> Um because like the marriage He thinks. she he may have taken advantage of you. >> Um, no. No, I don't think so because me. and him, we've always kind of gone back. and forth with um like if he has a job. and then I don't. >> Why don't you guys just have jobs. together? You guys are so weird. >> Yeah, that's something that. >> But I am being told that some of the. spending for him is done on your debt.

>> Whereas you're the one settled with all. the debt, he is not. Meaning that in a. way. >> Mhm. >> that does put especially with not being. married, >> it puts the bill on your plate, the debt. on your plate. Would that not be a. heavier weight towards you versus him? >> I mean, yeah. like um I guess the thing. is I was the one that got the credit. cards and everything like that and I off. that's I offered to like help out cuz I. know that he wanted to be a chef and. everything and so I know he was working. as a cook and was I know and then it.

wasn't making a lot of income from that. Yeah. So that's the thing like. >> can you guys do something that makes an. income by chance at some point ever? >> That's why he's getting into. construction and trying to. >> he's literally just with your dad. though. He wouldn't have a job if it. wasn't your dad. >> Yeah, I It's like your dad is in just. >> No, but. >> if it wasn't for your dad, you guys. would be dying. >> Yeah. No, I'm grateful for my dad. No, >> you might need to be dying a little so. you can get your [ __ ] in gear. >> I I'll get it in gear.

>> Everyone, you learn the thing. Sometimes. people need to reach rock bottom. Yeah, I think you need to. And the way to do. that is your dad takes away the piggy. bank. >> Hey, this is the thing. I. >> cuz you're not going to hit rock bottom. until he does. I've worked a lot like my. whole life and stuff even helping my dad. and everything like that too. So it's. and I know in his way it's just a lot to. get into or whatever about growing up. but yeah basically I know I don't know. he it's it's just complicated. >> Okay. >> Yeah. I don't know. Yeah.

>> What's not complicated is very clearly. you're being enabled and it is holding. you back. That's not complicated. That's the reality of the situation. You. would not be okay with sitting on your. ass for a few weeks if you did not have. daddy there. If your bills could be. covered by him and if the roof over your. head can be covered by him, you would. not be okay with your current situation. You would be out there finding a way to. make money. You would be out there. providing value in the marketplace and. you would be receiving dollars back and.

you'd be able to pay your bills and. you'd actually be learning financial. discipline. But because daddy is there. to save you, you have really no need to. do that. And it's okay for you to sit on. your ass. >> I'm not trying to sit on my ass, though. I mean, >> but you are and you wouldn't be if you. needed. >> I've been there for a few days. What do. you mean? I've. >> been doing But you quit a few weeks ago. You would have something lined up if you. didn't have your dad lined up. >> But because he said, like I said, the. two-month thing for me to just get. myself together, figure out.

>> I can't have the two months and then, you know, go out. >> You figuring out is trying to set up an. illegal shop. Like it's nothing real. This is so dumb. Income? I don't even. know. But we can only see what you need. to survive for a budget. So this ising. ridiculous. Your debt minimum payments. is. $71142. Do you have to pay rent, utilities, internet? Anything? >> Um, no, not yet. >> Okay. Gas, room, drive, drive?

>> Uh, I'm near a lot of stuff, so I don't. think I have to pay that much anymore. for that. So, I'd say probably maybe. $40 a month. >> Car insurance. >> Car insurance is about $230. >> Chunky. Phone bill. >> Phone bill. I My dad takes care of that. >> Uhhuh. If you ever have to have yours, as long as T-Mobile's get in your area, I would do Helium. Super cheap, super. affordable. >> Oh, thank you. >> Necessary food. How does groceries work. in the house? Not you stopping for water.

every 5 seconds your of your life. How. do groceries work in your house? >> Um, I would say. I've been noticing I think around maybe. 150 per week. >> How do groceries work? Who's buying. what? >> Well, right now it's been um my dad and. my boyfriend or I have to with the money. that I got from Trader Joe's like right. now, but for future. >> So that like do you cuz that's the.

thing. I'm like I just like right to not. have the. >> TV fund $100. Anything else you need to. survive? Groceries. I'm going to say 150. is what you can contribute. Maybe. medical, healthcare, anything. >> Um I know my dad takes care of that one. I'm on his plan. >> No, >> you're 26. Isn't that where it ends? Or. is 26 the last year? >> Oh, no. Well, he um I don't know. He put. me in some sort of plan or whatever. I I. don't know. I I don't know. >> No, I don't think so.

I just know that he at least covers the. payment for it. >> Oh, >> I don't. That's Yeah, I know. >> Baby, >> you'll never learn anything. It's true. You're laughing at it now. I'm trying to. learn you're not. >> subscriptions. No off. I don't know, dude. >> So, you may be bringing a,000 hours in, but you need at least to just live with. them alone is $1,23142. What is your plan with that? I'd like to. hear from you. Self assess. What the is.

your plan with that? How do you even pay for that? What's. your plan here? You're always thinking. about it and you have to think and you. have to make plans. Go ahead. Make one. >> Okay. So, um I know that I can get some. hair services in as well as sell some. rugs and everything like that. Typically, like I said, thou that's a. thousand there. That's a thousand there. There's 1,000 there. Okay. Um, my. boyfriend, I know you're going to hate.

this or whatever, but he is going to. help me with this since he's getting. paid and everything. >> I'm married. >> I'll I'll look into that cuz like I. said, I haven't looked into. >> that genuinely with Mary. Haven't looked. into like that. I. >> Oh my god. Okay. And then um Okay. So, like I will say I. >> What will you say? >> I do travel a lot and I I want to factor.

that into like budgeting somehow. >> Wait, that doesn't make sense. You can't. even afford what's there. >> and that's nothing. >> Yeah. >> How the can we are we even talking about. travel? >> Like I don't know cuz I know like for. example I know there's like a cruise or. whatever that my friend wants me to go. on and stuff. >> Your friend or they can pay for it. >> True. True. They can pay for it. That is. your only way to go on the cruise. What. are you laughing at, you. >> Oh my god. Because you know what? If I I.

could either cry or laugh. >> What else is travel [ __ ] you? >> Um well, I go to New York pretty often. >> Why? >> Because. >> you don't have money and you're trying. to find your mom. That's not even in the. budget either. >> I Okay, so I don't have to pay for a. place to stay there. I usually find. tickets for $30 round round. I could get. a dollar pizza there or actually a lot. of times I find things to where it gives. me free food too, like events and all.

that stuff. I get invited to a lot of. events over there. >> I mean, they're calling you out. They're. saying lies. The flights are not $30. >> Well, yeah. No, like that's the thing. I. try to find stuff like that. At most, I'll go to 80. This is one of the things. that she tries and then she doesn't and. then she's like, "Okay, so I'm just. going to spend a lot more off. your mindset and your excuses for your. own life and misbehaviors are. unacceptable. Unacceptable. You haveed around.

and your dad needs to cut you off and. you need to hit rock bottom. And I'm. going to call them both. We are going to. talk and I need you to get destroyed so. that you have to go out there and get. done on your own. What a joke. Listen guys, join us in the post show. I'm going to give our Hammer financial. score right now, but join us in the post. show. Remember, sign up for Hammer Elite. is free for this month. I will reimburse. the purchase at hammer elite.com. Come. watch the post show. I'm going to call.

her boyfriend and it's going to. definitely be interesting. I know that. for a fact cuz I need to confront the. out of this failure. Spending in a budget you ever spent 0. out of 10 debt. I mean they're they're over the balance. all of them except for your student. loans cuz what the you can't zero out of. 10 then emergency fund you drained it to. zero. 0 out of 10. Retirement you took. it out 0 out of 10. Real estate good. luck effort affording that zero out of. 10. Hammer financial score 0 out of 10. Join us in the post show. Join Hammer.

Elite in the description below or click. that join button. Submit the proof of. purchase at hammer elite.com only for. this month and I will reimburse it with. a $10 digital gift card that can be. spent in any anywhere in any country. You allow yourself to quit your job. Take on a Why didn't I know about the. payday loan? >> Have you ever jerked it at work? >> Potion teaser is going to look very. weird. You are being cucked. >> Oh no. A. >> he's getting cucked in 4K. >> exclusive members content. Click the.

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