She Came Here To Fight Me | Financial Audit

It's kind of hard that you know I am a. provider. I guess you don't really. understand that as much now that you. know you have this big studio and stuff. like that. So maybe you kind of can't. comprehend that. I don't have understand. that you think businesses working. multiple jobs to then afford taking care. of themselves and their mother. >> But I was there working multiple jobs in. order to make my bills due. >> and you got out of it and now you're. kind of losing that understanding. >> You who do you think. >> I mean I think you just needed to be a. little bit humbled. 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, I am Becca. I am 28 years old. I am. from San Antonio and this is Financial.

Audit. >> Thanks for coming up from San Antonio. What do you do down there for a living? >> So, I work at a nonprofit with foster. care and I'm also a provider as well. too. >> What is your job at the nonprofit. though? >> Um, I work in like a mentorship program. So, I'm like a intake coordinator. >> How many hours a week are you doing? >> 40 hours. >> Okay. Okay, cool. What is. >> Well, I guess full-time for that, but I. do also work with my my grandmother as. well, too. So, I'm a provider. >> Doing what? Oh, >> provider for her. >> Yes, like a home health. Have you heard.

of home healthcare? Where? Yeah. So, >> so what do you make from the first job? >> O. Um, I make around I guess I don't. really know. I think roughly around. >> Why the do people come on the show and. not know their income somehow? Cuz. everyone's from the audience. Well, what. >> I thought you would have known as well. too cuz aren't you supposed to study us? I don't know. I think with the audience, they've studied you. >> I think I make around 1390. >> Yes. without taxes. Uh. >> 1390 uh. >> every paycheck. So.

>> which is every. >> so like I have twice a month every other. week something. >> What the is wrong with you? Why do you. not know your own pay? >> I just started working there back in. April. So that I guess. >> Okay. So a few months. I'm not trying to. >> just get as well too. So. >> you coming on this show, you know, this. is the first question. You're from the. audience. How the do you not know your. income? I'm sorry for coming in out of. the gate. Kind of brutal. But honestly,

at this point, I'm a little annoyed. What is wrong with you? >> Very valid. But like I. >> How do you not know your. >> I just have like a little I kind of just. look at my calculator, my my Chase. >> Look at your calculator. >> and I just kind of calculate it for how. much I have in my bank account. Really? >> Well, no. What does that mean? Walk me. through that. >> So, whenever I get paid, I immediately. just check what I have in my account. I. then put it in my calculator and then I. just. >> calculator. Explain. >> what you're doing with your calculator.

>> That's my budget. So that's how I kind. of like. >> What's your budget? A calculator. >> So I go on my calculator with my money. that I have and then. >> So I'm on my calculator. What am I. doing? >> Phone one. I don't have a little. >> But what am I doing here exactly? >> I enter my money. >> Like how much you have? How much you're. getting paid? What do you mean your. current amount? >> Payday comes in. I then just go. So, when payday hits, >> you go, "Can we talk?". >> I'm trying to clarify because your your. answers uh don't really make sense. >> So, your paycheck hits.

>> Yeah. Okay. Well, slow it down then. So, payday hits and then I go on my bank. account and I see how much I get paid. I. then enter that into my calculator. And. then on the side of it, I have like my. calendar of all my bills. So, I look and. see how many bills I need to pay on that. set pay period and then hopefully it's a. positive at the end of it. >> Hopefully, it's a positive at the end of. it.

>> And how is this working? >> It's been working decent so far. >> That's why you're on the show, which is. great. So, if you're typing in your. calculator, >> if you're typing your number in your. calculator of what is hitting your. account, you should be able to tell me. what is hitting your account. So, like. 13.90. >> Like 13.90. >> Yeah. And it's because I just got a. 401k, so I think they're taking 6% off. >> Is that what you've chosen? I. >> It was a default and I just went with. it. >> Is it matched up to 6%.

>> I don't know. >> You do. You know their match at all? >> I don't know if they do match. Um I saw the paper and I kind of just. put in my backpack, which I don't think. they match. >> at all. I don't think so. It's a non. It's a nonprofit, so. >> kind of hard for them to match. Um, but. that could be a question I could ask. >> I should have asked maybe before coming. on. >> So, you've been in this since April. >> Yes, late April. >> Okay. Now,

>> and it was also in the middle of them. doing a whole insurance and 401k change. So, everybody's kind of clueless, too, >> of what's going on. >> Just because you are doesn't mean. everyone is. I feel like that's what. happens with a lot of clueless people is. they think because they're confused. everyone else is. >> You know what? That's that's very valid, but also I think everybody's clueless. >> Says the clueless one. 2780 is what hits. your account according to you. >> with that nonprofit job. And then. roughly around 550 to 580.

>> Now, how was that paid specifically? >> Um direct deposit. >> I mean, what is your employment. contract? Is it, you know, how is that? No. How is this structured in terms of. whatever, you know, whether it's a 1099. or, you know, W2, you know, taxing. before your account hits. >> You're losing me. I don't know. Uh, all. of the. >> Cuz you have to pay taxes on it. >> Yeah. Yeah. So, there's taxes for you. get a W2. Yeah. For this.

>> Yes. For both jobs. Yeah. >> Good, good, good. So, what hits your. account from that job a month? >> Um, which one? My nonprofit. >> No, the other job. The one you just. said? Um, I get paid twice a month, so. it's 550. >> 550 twice. >> Yes. >> Okay. >> So, like roughly 1,200, right? Or 1,100. I was the president of math club back. then, but not anymore. So, >> back then. >> Yes. Back in high school. >> Yes. Back then. I know exactly what. you're talking about when you say back. then.

>> Yes. >> $3,880. is what has your account. >> Oh, okay. That's pretty good. >> Okay. Yes. How do you feel living on San. Antonio? That should not have taken 7. minutes. I'll be honest. But okay, here. we are. >> I think it could have taken longer, honestly. >> Could have taken longer. >> Yeah, especially because I kind of don't. really know my finances and you're here. to help me. So, >> I'm here to help you, but I'm going in. blind with the audience. I discovered. this along the way, which is cutting me. off. So, >> which is also something I say every. single episode,

>> right? >> I mean, I would So, >> yeah. How do you feel living on $3,880? >> Pretty good. I would say it's still like. a paycheck to paycheck to me, honestly. >> Why would it be paycheck to paycheck? Why are you paycheck to paycheck? What. is paycheck to paycheck to you? >> Uh just cuz I do have a lot of bills and. I don't just pay for my own bills. I am. uh I financially support my mother as. well, too. So, >> yeah. But you're getting the Oh, well, no, that's for your grandma.

>> No, that's my grandma. >> What What What's wrong with your mom? >> Uh so, she's on disability. So she does. uh she has rheumatoid arthritis. Uh she. had a near-death experience. A. near-death experience. >> What is your support to her? >> Um I pay for the house we live in, the. electricity, water. >> Yeah. I assume she's getting some kind. of disability. Is she not? >> She needs to be on this show as well, too. But. >> I love when someone should be on the. show when they're receiving government. benefits. >> Well, isn't that usual?

>> We know the government doesn't help that. much. So. >> yeah, but why should she need to be on. the show? Someone. >> also has a lot of credit cards. So So. it's kind of like a generational thing. >> A bull probably. >> Yeah. So. >> now she's getting assistance. >> Seems like an interesting financial. choice. >> Yeah. So I mean my my mother just kind. of raised us on her own. So she's a. single mom. Uh my dad was really never. in the picture. So I kind of had to take. that that role growing up as well too.

Just kind of being a provider for her. though. >> for her. >> Yes, >> single mom's great. So, I love it. Well, obviously I don't like want people to be. a single mom, but it's like good job. you're a single mom, you know, pat on. the back. Love it. Good for you for. making it work. That you had to step in. and be a partner. That's weird. >> I mean, not definitely a partner, but. she did. >> The way you were framing it was kind of. that. >> I mean, pulling my way, especially once. I. >> pulling your way and helping the sibs, I. get that, but you definitely framed it.

more as supporting But once that she. wasn't unable to work anymore, I. definitely had to pull much more of that. responsibility. Um, and that's just. something me as a person, I definitely. just love to help others versus my own. Um, which I guess I'm helping myself now. being here. >> So, with this calculating thing you do, 3,880, how are you making a monthto-. month, how would you describe that? >> Really just kind of having a lot of. financial bills. I mean, it's kind of. hard that you know I am a provider. I.

guess you don't really understand that. as much now that you know you have this. big studio and stuff like that. So maybe. you kind of can't comprehend that. Um. >> I can't comprehend what. >> I mean. Well, look at where we're at. right now. It's like a huge studio. Um. >> yeah, that would mean I understand it. more than other people because I have a. big ass bill and 28 employees to take. care of. That means I would probably. understand it more than the average. person to then get that. I have. >> I have the need to budget it and have to. go out there and kill things and bring. them home in order to make sure people.

can pay their rent. >> I just have to live paycheck to paycheck. to just pay for my survival needs. >> I'm giving those paychecks. You don't. think I understand budgeting and needing. to make a bill, too? >> Maybe you should pay your employees. more, too. Then. >> we pay pretty well. >> I mean, I I know someone's here working. on their birthday. >> Is it someone's birthday today? >> You don't even know your employees. >> I don't know everyone's birthday. It's. Colton's birthday. >> Yeah. Happy birthday. >> Congratulations. Adults work on their. birthday. I'm going to cry for. >> Yeah, I work on I work on a nonprofit.

and at least they give us our birthdays. off. >> If he wanted to request it, he could. have. That's. >> I wouldn't have to request it all. >> Choice. Okay. If they want to treat you. like children, they can. >> How is that treating like children? It's. more. >> It's a birthday. Who gives a You have. one every single year. >> That's called caring for people. I guess. you don't understand that. >> You're right. I'm telling I'm forcing. him to have a week off in what 2 and 1/2. weeks. >> So I guess that's not. >> good too. >> And I'm losing revenue for that cuz. we're not uploading that week. >> I mean that's totally fine. At least you.

still have the ability to lose a week. cuz if I don't work a week it's a. struggle. >> Yeah. But I'm making that making less. money in order to force everyone to have. time off. >> I mean just you saying that is very much. like an out of touch statement. I mean. >> what's out of touch? out of touch just. because you have like all of this money. and revenue that you can then pay for. others for you. >> What do you think a business is that has. employees? You think businesses that. have. >> working multiple jobs to then afford.

taking care of themselves and their. mother? >> What do you mean? I Well, not the mother. thing, but I was there working multiple. jobs in order to make my bills due. >> Yeah, but your multiple jobs to make. your bills do is cuz of your McDonald's. Isn't that what you tell everybody? You. just spend money on McDonald's. >> I went to McDonald's. Sure. All. throughout my life, but I had rent and. college and utilities. >> I had to pay for all of that. Paying for. student loans and I was delivering. grinding on Jimmy Johns and then I also. had side hustle.

>> Got out of it. And now you're kind of. losing that understanding that you know. >> Can you explain to me how I'm losing. that understanding though? >> That the fact that I have to one live. paycheck to paycheck. >> How do I not understand that? cuz you. are claiming I don't understand that but. you're unable to adequately explain how. I do not understand. I think just from. seeing your past videos like on Tik Tok. and stuff like that, you just have a. like you can't use credit cards, blah. blah blah blah blah. But I it's so hard. for me. >> Hold on. You're losing your own point. here. Not use credit cards. Credit cards.

can be a damaging tool to people. They. people and I always say no other reason. It's either starve or buy some. groceries. Of course, I'm going to use. my credit card if I have to. >> starve or buy some groceries. Okay. She went out to eat $500. That's. starving. Or buy some groceries. You. >> okay? Obviously, you don't know how it. is to spend money on groceries and buy. food for more than one person. >> $500 eating out. That's groceries. >> That's actually pretty good. >> Not when you don't have money if we're.

>> We live in Austin as well, too. That's. so expensive over here. >> Okay. You don't live in Austin. >> Yeah. In San Antonio. But a much cheaper. city. >> Yeah. And that's still cheaper than how. it is in Austin. >> What What is that point? That doesn't. make sense. I'm confused. >> Because you don't understand. You're. just so privileged now and now you're. just feeling so out of touch. >> So because I've made good money for a. year and a half, all of a sudden I lose. the other 28 years of my life. I'm. confused. >> Obviously by your mindset. >> What? What's my mindset? Can you. explain?

>> You're you're feeling like this credit. cards are so damaging. I mean, >> yes. Have you seen this show? Everyone's. gone into credit card debt and they're. damaging their lives. How would you. advocate that they're not damaging? >> Because it's a means of survival most of. the time. I think but you spent $500. You spent $500 going out to eat when you. could have put that towards an emergency. fund which would count that I needed to. pay. >> You did not go out to eat. You did not. need to go out to eat. Need do you not. understand what the word need providing. for people? I mean just living in a hell. all the time. I definitely would like to. enjoy myself. And.

>> I'm not saying don't enjoy yourself, but. now you're you're having two pillars and. you have to choose what you're doing. You're saying you can't survive or you. need to enjoy yourself. Survival is. different. No, not in your situation. Because if you're drowning in credit. card debt and you have to go into more. credit card debt in order to survive. because you didn't save up for an. emergency fund, then yes, you sacrifice. a little and don't go out to eat and. experience a little unrealistic. I did. it. >> Okay, then show me how to do it. Aren't. I'm supposed to be here? How am I. supposed to be saving? >> What? What do you mean? That's why How.

am I supposed to do that when you come. in and you start fighting? What do you. mean? >> Okay, maybe we need to take a step back. then. Maybe just utilize some soft. skills. >> Huh? What? >> Try and have me understand then. How am. I supposed to be using an emergency fund. if I'm living paycheck to paycheck? >> First of all, it's an emergency fund. It's for emergencies, not for fun. >> Fund. >> Yeah. A little slip on your end, and. that makes me a little concerned seeing. how you spend. And. >> just because I talk a little differently. does not mean my finances are going to.

be much better, >> huh? I mean, you just made that that. realization that because of the way I. talked, you're kind of scared about my. >> emergency fund. >> Fund, can you hear? You need to clean. your ears. >> Fund. >> Yeah. Play it back. >> Trying to have you understand then. How. am I supposed to be using an emergency. fund if I'm living paycheck to paycheck? >> Okay. So, the reality is if you do not. have an emergency fund, duh, that is an.

emergency. That means you cannot cover. the expenses that pop up especially if. you are responsible for taking care of. others even if they are being. financially responsible and you're. likely enabling her but that's a. different conversation. So in that case. you would sacrifice the things you want. not need to do what so that you save up. more money and you can cover those. expenses so you don't have to use a. credit card. Now to address what you. said about credit cards aren't you know. some people have to use them for. emergencies. Don't get me wrong, there. are positions where someone did not save.

an of an emergency fund. And I believe. throughout this show, a lot of that is. more of a choice than people are willing. to acknowledge. Let's say they didn't. Okay? Yes, you open a credit card in. order to pay for an emergency. Cuz I'm. not saying starve, suffer, don't pay for. those that are relying upon you. I'm not. saying that. However, if you open up. credit card in order to cover that. emergency fund, you do everything in. your power afterwards then to sacrifice, cut out your [ __ ] and pay off the. credit card debt that you use for the. emergency and then save up an emergency. fund. So, you don't have the money to.

>> you don't have the money cuz you're. spending it on [ __ ] You dumb tit. What do you think? You wouldn't have. >> huh? >> I just said I think I have good tick but. thanks. Sorry, you just got me there. Got me a. little ego boost. >> I could bring it down real quick if you. want me to. >> That's totally fine. I mean, I think. that's kind of like your kink. So, I. think you do like to degrade people a. little. >> Degrade? I like a good roast and jab.

Heiha heeiha. >> Yeah, seems like you kind of get off of. it, I guess. >> You think I'm gooning under the table. here? >> What do you think? >> Probably not. No, you definitely wait. until later on. I guess. >> I mean, I think everybody else is. thinking that's true. >> Everybody else, >> the people you're looking at. Oops. >> The audience. >> Yeah, that's why. >> Dude, you're coming from a weird place, man. You are coming into this. conversation in a really weird mindset. I really don't get it. And honestly, unfortunately, it sounds like it's. coming from a place of victim mentality.

And when we are in a place of victim. mentality, it is hard to get out of that. because the. >> very much so. But I mean, I don't think. you understand that I am constantly. working to. >> keep saying I don't understand. I've. been where you are. I've been in a worse. position. I've been in a better. position. >> So now you're not and I think you're. losing no sense. So you're saying the. moment that you start making more money, you will not be able to remember. >> It really kind of depends. But like once. you get like that fame, I think that. aspect just kind of tarnishes it. I get. recognized on the street, but my life. has not changed.

>> Are you sure? >> I have the same friends. >> But you have to pay them now. Or what? >> Uh, oh, I employ two of them. >> There you go. >> Not the others. >> But now you have the money to pay for. friends. >> Oh, okay. Well, I don't have. applications online for friends. >> Do you even have an application online? >> For what? Jobs? >> Yeah. >> Yes. What is the point you are trying to. make? You keep saying these things, but. I don't understand what you're trying to. say. >> I'm just trying to go with you. I mean,

you're just kind of going all over the. place. I'm here to get, you know, >> I'm just easy to get sucked down a. rabbit hole if I'm being honest. You're. >> okay. Makes sense then. >> I don't even know what you said. But. what again, my concern is you come from. a victim mentality. And because of that, it's going to be hard for you to just. accept, okay, maybe you shouldn't spend. $500 last month on fast food if you're. paycheck to paycheck survival. You're. not entitled to that. You do not deserve. that. I don't. >> out of that then cuz I understand.

>> you don't spend money on fast food or. I'm confused. >> Okay. But maybe maybe you shouldn't use. that word. >> Definitely like I'm trying to get in. this audience. They don't cancel. >> Are you sure about that? >> Yeah. >> We'll see. Why are you on the show then? >> To get help. I'm trying to get out of. that victim. >> That's why you came in and you started. immediately saying I don't understand. Why would you talk to someone who. doesn't understand then? >> Because I'm trying to get help. >> But why would you be getting help from. someone that doesn't understand? >> Understanding. I understand that.

educational piece, you know, >> educational. But you're not able to say. what I don't understand. The only thing. you're you've said so far that I don't. understand is what it's like to live. paycheck to paycheck. Even though I did. the vast majority of my adult life and. I've been successful, >> you care for someone else with those. paychecks. >> I haven't had to care for a significant. other with the paychecks. But what I am. able to care for now is making sure I. hit payroll every two weeks. If revenues. are up, congratulations. I get to take. home money. If revenues are tight, like. earlier this year, because guess what? Ads fluctuate like crazy at the.

beginning of the year. I didn't take. home money, but I made sure everyone. else's payroll was hit. There was a. couple months last year I did not take. home money, but I made sure everyone's. payroll hits. So, yes, I take care of. other people. >> Good. That's good. Then maybe then it's. not me understanding fully then, I. guess. >> Well, yeah, you're an obnoxious. I I'm. confused. Private student loan debt can be. overwhelming. If you're seeking a more. affordable way forward, YFI is here to. help. Unlike traditional lenders, Y Refi. is focusing on your desire and ability.

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obviously know nothing about my life, so. I don't know why you're trying to tell. me what I do understand and what I. don't. I'm really confused. >> But you also don't know anything about. my life either. >> No, but I do understand your spending. And as I try to get to know the. situation, you immediately come in and. say, "I can't relate." How the do you. know? >> I mean, just looking at what you're. doing right now, you're not really. >> You said it's because we have a nice. building. >> The is that? Yeah, we want to be able to. recruit top talent and we need space to. put people. What do you think businesses.

do? >> That's the dumbest thing I've ever heard. in my life. >> And you think I'm not able to look at. someone and relate to them because, hey, guess what? I was in a situation similar. to yours. Not the mom thing, but a. situation similar to you. Actually, you. made more money than I did throughout. the majority of my adulthood. So, actually, that's a lot. >> And I have to work a lot. I work six. days a week. I work at least 13. >> Congratulations. Also a lot. So, I have. to. >> also a lot on your choice. and the. choice of the financial situation you. got in by the actions you did. >> Not just the actions I did. I had to go.

this way. I mean, it's just. >> Huh. the actions you did. You think you. got into credit card debt all because of. emergencies as I go through the. spending? >> Yeah. >> I've already called out the fast food. spending. We haven't even talked about. any of the other spending categories. >> I mean, just because I mean, I don't. really have time to cook to really No, I. don't. I work from 9:00 a.m. to 10:00. p.m. When do you expect me to cook? >> No. You said you have Sundays off. You. can meal prep. You warm them up. >> Yeah. That's very unrealistic. It's a. lot of money to then buy for the meal.

prepping and stuff like that. >> 250 bucks a month from HB. We know. >> if I want to enjoy my Sunday doing. something. >> want want. You are choosing want. I want. you to as well. But you are choosing. want over what you need. So you cannot. come in here and cry and say you cannot. >> Do you see me crying? I mean I don't. think I'm crying. At least not yet. you came in here and complained that you. can't do it. And also, I don't. understand how you're at 13 hours a day. if you're working 40 hours at the other.

at the first job. Then the grandma. thing, are you saying that's another. essentially. >> 27? >> Now, when you're with your grandma, you. have no time to cook cuz I assume you. make her food as well. >> Yeah, I cook for her. >> Great. So, you can cook for yourself. >> Yeah. So, I then whatever I make for. her, I eat as well, too. So, that's like. my. >> So, that's a lie that you needed to go. out to eat for $500. Do you immediately. poke the hole in your own lie? >> No. I mean, I'm cooking for her and. myself. That's my dinner. That's it. >> Then why are you going out to eat $500 a. month? >> Because I'd like to like to because you.

want to. Because you care about that. more than actually putting your life in. a financially stable position. >> Yes, I guess. But I can't relate to. that. >> I can't just enjoy a Sunday and going to. a restaurant. >> I'm not saying that. Actually, in fact, if you would like to, go for it. Go. ahead and leave. I will support that. life if that is what you're choosing. M. >> people come on the show because they. want to change their life, fix it. And. I'm telling you, sometimes you have to. sacrifice your wants and put your needs. above that. >> If you want to live that life, I will. allow that. Who am I to say no? Go ahead.

and do it. >> A budget. A budget plan should. definitely have some sort of avenue. where you do have some wants. So you're. not just drowning. And just. >> if you can make it, when there is wiggle. room, I give people wants. I give people. subscription funds now. I never thought. I would do that from the beginning. That's when there's wiggle room. If you. can't survive and you need to there's an. emergency going on. No, >> you do not need to watch. I could. >> I mean once then why aren't you? >> That's why I'm here. >> Got you, [ __ ]. >> She said it, ladies and gentlemen. >> I think I have already said.

>> I think just being on here is the reason. why. >> It's why you came on here and then. within seven minutes said because you. are in a nice building, you will never. be able to relate to my position even. though I've only been successful for. like 2 years. Hey, that's two years. longer than me. >> Yeah. And from your type of mindset, you'll never be successful is how people. like you turn out. >> Fine. As long as you know, you get me a. financial plan, maybe I could. >> Like, here's the thing. You say you use. this budgeting thing, the calculator. >> Yeah. >> So, what am I changing in my budget that.

is different than you being able to. budget if you're already doing that? I. guess really kind of understanding how I. can smartly pay off my debt because I. kind of just go by minimum. >> smartly paying off your debt. You can't. pay off your debt. You're spending more. than you make. There's no debt payoff. there. >> You're the one who's already budgeting. and doing a calculator. How much did you. spend last month? The statements that we. have, how much did you spend? What went. out? We know what came in about 3,880. >> What went out?

What went out? >> I don't know. >> Go on. Come on. You're the calculator. pro. >> Once I. >> type in the numbers. >> once I calculate it, I kind of just. forget it and think it's paid. You know, I pay my my minimum and it's good. >> I think I'm able to relate to your. finances more than you're able to relate. to your own finances cuz at least I know. the damn numbers. >> probably. I mean, >> is wrong with you? >> I mean, I just don't like looking at the. card statements and stuff like that. I. just, you know, I pay what's that. minimum? Pay a little bit over to think,

yeah, >> okay. $5,233. That's substantially more than you make. Substantially like $1,500 more than you. make. So, what the are you talking. about? You're never going to be. successful. You're never going to be. able to get out of debt. You're never. going to be able to take for other. people. You say, "I can't relate to. having to take care of other people.". It's not even about that. It's you. spending more money than you make. And. it is a simple mathematical thing. Even. if I grew up privileged, which by the. way, I did. And I had foreclosure. notices on my house and we couldn't. afford to do anything. anytime we did,

we went into debt and I had to borrow. for every single cent of student loans. And I still have my student loans, by. the way. And I've had responsibilities. and taking care of people and employees. where I could have just been a selfish. YouTuber and just did this show and not. do anything else and not hire more. people so people can take time off and. just did one job, one person per one. job, and just take home more money. Grubby, grubby, grubby. But let's say I. did that my entire life and I was. privileged. a little bit. >> Or you just watch one video instead of. being a stuckup. But either way, >> I mean, why do I need to watch a whole.

video if it's just the same? >> Why be informed on the topic that you're. trying to. >> just having people on here that are just. spending 20,000 on only fans, but you. have someone that's here actually just. trying to. >> It's so rare that we have someone that. spends money on. >> I guess only your popular ones then. >> Uh you're talking about maybe a clip. that popped up and you saw this is why. yes. Why be informed on the thing that. you want to come in and immediately push. back on? This makes no sense. These. people guys, this world is full filled. with morons. You know nothing about me. yet you wanted to come in and tell me. what my perception in this world is. You.

who do you think? >> I mean I think you just needed to be a. little bit humbled. >> You didn't though because you came from. a position of just ignorance. You know. nothing about me. If you want to humble. me, bring something real. >> I guess I don't have anything real. But. I mean. >> do a little bit of research on the thing. you want to talk about and then you can. come in and do it. Well, I thought I was. meant to be here like a little bit. genuine about my lifestyle and stuff. like that. >> I would love to, but you're the one who. brought up that topic. >> Then why can't I bring up that topic? >> Forward. >> Because you brought it up.

>> Okay, then I apolog. >> Thanks. I mean, that's that doesn't. really bother me whatsoever. I guess. >> what? Having a terrible personality? >> I mean, I guess takes one to no one. >> Oh, I'm a bit goon, but we tell you that. before you come on the show. You just. watched a damn 10-minute video before. you came into this room and a 5-minute. video that was sent to you before you. even showed up here. >> There was. >> Well, that's your fault for not clicking. a link. >> I think that was just about finances. >> No, it was about warning you what.

happens if you come on the show and the. personality about the person across from. the table. You're a [ __ ] What the is. wrong with you? Do you not watch things? You don't do any research of the topic. you want to talk about. You come in, you. want to be combative, but you have no. ability to even speak on it. I'm just so. confused on your existence. >> That's totally fine. I mean, that's. something I tell myself constantly. But. thanks. >> And then the one thing you f focus on is. that he's working on his birthday. >> I mean, he's a cool guy. >> He is. We love Colton. Yeah. >> I like everyone I work with, or else he.

probably wouldn't be working here. >> Not enough to not have his birthday off. But. >> if he wanted to, he could have asked me. What is wrong with you? I don't track. all when we get to 100 employees. You. expect me to know every single person's. birthday? >> Yeah, that would be nice. Well, actually, I don't really give a about. birthdays. So, even if I have five. employees, I want to know. But that's. just me. I don't care about birthdays. I. never have. Maybe it's cuz I you know, I'm on Valentine's Day, so I just never. really care about my own. >> Yeah, it's a bad day for Yeah, that. one's less important. But, you know, >> I guess I guess you don't care about. moms. >> No, it's just it's less conflicting with.

other things. >> What? Cuz you don't have a love life or. >> Well, I do abs. I have a girlfriend. right now, but you know, it's like. Valentine's Day. It's like you don't. really go out and celebrate on. Valentine's Day cuz everyone's coupled. up and doing Valentine's Day. >> I mean, everybody wants to be. celebrating their mothers. >> Okay. It's not a competition. Oh my. gosh. Okay. Well, everything with you. has. >> go back to finances. Okay, >> dude. Iing I tried to The thing is and I. was talking about how much you spent. more and came in. That's what I was. trying to talk about for a second.

>> Well, let's get back to it. >> Hey, the host. >> I mean, I'm waiting for you to talk. about finances. We've yet to get there. We've talked about finances. We haven't. talked about a specific document, but. we've talked about your mindset around. finances. We've talked about use. spending more than you make. We talked. about getting a credit card for. emergencies. We talked about emergency. funds. If you're suggesting we haven't. talked about finances, you're a dumb who. hasn't been involved in this. conversation yet. >> Obviously not. I'm just really trying to. understand exactly what I should be. doing. I understand that I am spending. much more than what I am earning.

>> In reality, this show could be 10. minutes if we really wanted it to be. Here's the thing. Budget. Don't spend. more than you make. Pay off your debt. Smallest to largest. You'll be fine. Go. on. >> Cool. >> That's the reality. >> Uh-huh. >> Now, we'll go through your statements. and see what you actually do. And I will. give my open and honest thoughts about. it. Don't care if you're offended. >> I never said I was, but. >> Yeah. But look at you. Look how you come. in. You were immediately offended about. something that isn't even reality. Thinking that I've come from being. offended. >> Yeah. You came in here.

>> I just really don't think you are an. understanding person. But, you know, >> but you're not able to say what I don't. understand. Thank you very much for. >> You're not able to say what I don't. understand. >> Thank you very much for explaining able. to say what I don't understand. >> Are you able to say what I do not. understand? >> I don't think you understand having to. then provide for multiple people in your. family. Of course, I know you understand. having an employer and stuff like that, but that's totally different or. employees. Sorry. >> Yeah, it's different than having to pay.

rent for two people instead of one. >> What do you mean by that? 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 train, >> 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. the link in the pinned comment or. description below. Submit proof of. purchase at hammerite.com and we'll.

reimburse you for the first month with a. $10 digital gift card that can be spent. anywhere in most countries. Sorry, North. Korea. This one isn't for you. >> Yeah, this is how we have to do a free. trial on here because the platform. doesn't currently offer free trials. >> It's okay. It's worth it. >> Yeah, it is. >> Join Hammer Elite, the best membership. on YouTube today for free. You pay for rent for you and mom. >> Mortgage. But yes, >> mortgage. Okay. Who Who's on the. mortgage? You or her? >> Me.

>> Okay. So, you have to pay a mortgage. that you chose to take out and then she. moved in. >> That's a little different. And she also. gets government assistance. By the way, what if she chooses to spend on bull and. you choose to enable that? That is on. you. I hate this argument. Just because. no someone hasn't done a very specific. thing, they have no knowledge of the. world around them. That makes no sense. That makes no [ __ ] sense. I've never. lived in Siberia. I know it's cold. I. know I would want a jacket if I lived. there. And I would tell someone they're. dumb for not wearing a jacket.

>> I think. >> so. You're never able to be informed on. anything you've never personally. experienced. That is the dumbest take. that humans have constantly cuz humans. get so offended by. >> I guess we'll take it back towards it's. not an understanding but more of. empathy. just kind of yes you do understand u in. a similar lifestyle but taking that empa. empathy. >> I actually completely completely. disagree people might watch this and see. that because I'm abrasive and everything.

like that I don't have empathy here's. the reality I want you to get out of. debt and be able to afford your mortgage. so you and your mom don't end up on the. street I would say that is extreme. empathy because I don't come at it and. crying and baby you and pat you on the. back and say Oh, everything you're doing. it's okay when it objectively is not is. all of a sudden not empathy. No, I want. you to have a better life. I want your. mother to have a better life, your. grandma to have a better life. And I. want you guys to get to a better. position. Okay? And that is requiring. sacrifices. And that actually leads to.

reality that is better. And I believe. that requires higher empathy. Even. though it's not a empathy jerk off, it. doesn't really matter. But either way, if you're freaking out whether or not. you can pay your mortgage and I sit here. and pack pat on you on your back, that. is not helping you. That is not helping. you. So, I don't care if it's abrasive. and not seen as empathetic. I want you. to live a better life and I can get you. to a place where you live a better life. like the vast majority of guests who. come on the show median $10,000 paid off. of bad debt in 10 months. That's good. I. hope I can get there. >> I hope you can too. But not with the. mindset you have where everyone else.

around you is an enemy and only you are. a poor little victim in this world. So, shut the. >> I mean, I never said I was a poor little. victim. You're the one that started off. with that. >> No, no, it's not. You you do Oh my gosh. You're being actually a [ __ ] because. this is what is happening. Just like. you're essentially suggesting that no. one's able to be educated or understand. anything unless they've been directly. involved. You are also saying that. unless unless someone says shut the up. I'm also saying you are equally as dumb. in that human perspective of unless.

someone says an exact word like it's. George Lucasing writing someone's. emotions directly on them in the. prequels where they have to say what. they're feeling. I know how you are. acting in the words you're using and the. the emotions you're using that you come. from a place of victimhood. Okay? I know. that based on you don't have to say it. You don't have to say well from my point. of view the Jedi are evil. I know that. You don't have to say it, okay? You can. say it through the rest of your dialogue.

and emotions, okay? My goodness. Just. your entire. worldview is just so immature on how you. everything is just the cover of a book. to you. It's so stupid. Where do you. think you are in the world of finances? Zero out of 10. >> Zero being the worst, 10 being the best. >> Well, at first I thought I was like a a. five. I don't think I'm that really bad. >> Are you ever worried about paying your. mortgage? >> Um, I was. >> Okay. You're probably not a five. Go on. Where do you think you are today? >> Um, definitely like a a two, maybe two.

or three, >> but. >> if you want your financial score, go to. caleb.com. It is free. All you have to. do is go take the assessment and I'll. tell you where you are in the world of. finances. And don't forget, if you don't. Oh my, I'm doing a plug. What do you. want to say? >> Okay, I'm sorry. Continue. >> And if you don't want to, >> I was just going to say that I did take. the score and it was a zero. Um, I don't. know if I did it correctly. I feel like. it was kind of worded a little weird on. the question. So, >> or you just can't read. Completely. surprised about this conversation. >> Trust me, a degree means nothing based.

on the people I've met on this show. >> Obviously, I know that cuz I work at a. nonprofit. So, >> huh, >> I do know that because I work at a. nonprofit where I don't get money for my. degrees. >> Oh, good. Oh, ladies and gentlemen, she's. >> brain. If you don't want to end up in. the brain like her, make sure you. download our dollar-wise budgeting app. Take your free trial today and if you. sign up for the annual version, I'll. send you our budget friendly cookbook.

signed by me, mailed directly to you. It. can't be purchased anywhere else. And. remember, you can also get all of our. classes for 80% off and the budgeting. app premium version if you sign up for. Dollar Central. It is the one-stop shop. for all finances. It is incredible. It. is incredible. And you do get that for. free, even though I actually don't want. to give it to you because you came in. here being a just absolute creature. >> I mean, that's fine. I guess I can just. utilize other things. >> I'm going to give it to you. I said I. just kind of don't want to in this. moment. >> That's fine. Then. >> discover it. Why are you on this show,

dude? I'm so confused. >> I mean, you're the one that agreed for. me to be on. >> Me personally, I don't know who the is. coming on this show. I have a team. You. remember when we talked about the team? >> You think I'm directly involved in. everything? No, I delegate. >> But they obviously have a certain. >> I'm asking why you're here. You. >> answer a question. >> I applied. >> Why did you apply? You actual animal. >> Because. >> are you capable of answering a question?

>> I. >> Why are you here? >> I was as answering it. I was Maybe if. you stop yelling for a second, maybe I. can answer it. >> Such Please go answer. Try try. >> for finances. >> You're here for finances. >> To learn about how I can budget. >> Then why are you coming on fighting? It. makes no sense. It makes no sense. Oh, you're a horrible creature. Discover it.

$7,511.77. You say you're in credit card debt all. because of an emergencies. Maybe that is. correct. Maybe it is not. I actually do. not know. Again, I come in blind with. with the audience. The team puts. together your finances. Okay. It's a. little journey. We go on it together. >> Well, why are you purchasing $43028. when you can't even fully pay off your. card and it is acrewing $153.92. of interest? And if it is acrewing that. much and you cannot fully pay it off and. it takes how long to pay off? Minimum.

payments only without many purchases. which you're incapable of. How long does. it take to pay off? >> I don't know. I don't look. >> of course not. Well, you're like 31. years. going to be approaching retire a. little bit more than minimum. >> Doesn't matter cuz you purchase way more. than you put towards it. Does that. absolutely counteract it in every way. whatsoever. So what again I will ask. this question why the are you possibly. purchasing on a card that you cannot. fully pay off that is acrewing interest. that gets you to your retirement age by. the time this is even paid off with. minimums only.

>> I mean this is just like essentially my. survival card really what I pay a lot of. uh. >> survival card. So this is emergencies. like you suggested before. >> Yeah. And I do like I utilize this one. for like hacks as well too because if. you say it's for food and stuff like. that, I use it. >> a lot for like with my grandma. She. gives me her debit card to pay her. groceries. I'll say, "Oh, I casually. forgot her card. Use my Discover card to. then get cash from her and put that in. my debit card.". >> You cash advance from this to put.

>> No, like I use my my credit card instead. of her debit card to then get cash from. her. >> Okay. I'm being told about a critical. emergency you put on this credit card. recently. >> Taking your boyfriend to Hawaii. >> I mean, >> guys, ladies and gentlemen, she's a. victim. We can't relate. You're right. >> My first time outside of Texas. >> I don't give a You chose an expensive. thing. You could have gone to damn. Arkansas. >> Well, he had a school conference to go. to.

>> Okay. Congratulations. You did not have. to go. I'm not going to cry about you. not being able to pay your mortgage if. you're choosing to fly to Hawaii. >> I mean, I did want to go. I mean I I. still was working while I was there. >> It still cost you money. How do you not. understand this? I am so confused. >> I mean it I was in an internship at that. time. So I was still getting my. internship hours. So I did pretty much. essentially finish. on here and say I cannot relate to you. when you struggle to pay your mortgage. if you're paying to go to Hawaii out of. all the 50 states.

>> I mean a fun trip while also working and. >> no empathy. I hope you get kicked out. and I hope you get foreclosed on. It's. your fault. Thanks. >> It is your fault. It is your choice. Now, if you were sacrificing and you. were grinding day in day out and you. were cutting all your fun and you were. still struggling to survive, that's. where I would come in. I would hold your. hand and I would cry with you cuz that. sucks. However, you're just choosing to. go to Hawaii. Off. You're not struggling. You're not. in a position of struggle. You are not a. victim in this world. You are.

self-inflicting pain upon yourself. I. want to hear nothing from you ever. And. you're you're right. I actually can't. relate with that cuz I never went on a. dumb vacation that I couldn't afford cuz. I wasn't a [ __ ]. >> I mean, I still was working and I still. got my internship. um like $1,500. We split it in half. Sorry. >> $750 that you cannot afford. You could. have still been working doing your. internship from home without spend 750. So, it doesn't matter if you're still. working. Doesn't matter. >> I mean, everybody deserves a vacation.

after a while. It's my very first time. >> Who the what do you think humanity is? I'm so confused. We are barely born just. fighting survival in this world. Few. hundred years ago, you would have been. >> I just wanted to. treat myself. I've been working hard. constantly. >> I want you to go on vacation. I. celebrate vacation. I hope you do. You. do not deserve it or entitled to it. >> from working hard constantly. I at that. point I was entitled to your pay. I had. two jobs. I was doing two full-time jobs.

and internship. >> Congratulations. You're entitled to the. paycheck that you got from it. What you. choose to do with it don't get paid. >> What you choose to do with the paychecks. that you receive is up to you and not an. entitlement. I don't give a. >> I don't think it's entitlement. Whenever. I feel like I just can have. >> and you're struggling to pay your. mortgage, I think that is you feeling. like you're entitled and wanting to live. like everyone else when you simply. cannot afford to. And it is not. something that you are all of a sudden. bestowed upon in this world when you are. born saying, "Oh, you get to one Hawaii,

you get one Florida, you get one this.". That is not a sign of birth. You are not. entitled to it. You are not deserving of. it. I hope you get to do it, but you. make the sacrifices in order to do it. >> Yeah, but I feel like I've been. constantly doing sacrifices. I think am. I going to just keep on doing those. sacrifices and not have. >> No, apparently you keep on doing the. moronic bull cuz I'm also being told. there's another trip on the horizon. >> Similar mindset, I guess. >> It It was another conference. >> Really? That's hilarious.

>> Yeah. >> What a joke. You're going toinging cry. when you're 59 and a half or 65 and you. didn't put any money aside for. retirement. You're going to be like, "Why are other people paying taxes so I. can retire?" because you chose to go on. vacations now instead of actually. sacrifice like the rest of us. [ __ ] you. You entitled brats. >> I mean, at this time in this government, I don't think I could retire at 59 or. 60. >> You could if you saved and didn't spoil. yourself constantly. 100% you could.

Compound interest is on your time. Time. is on your side. >> Then. >> you can you are choosing the fun. You're. choosing the now. And then you're going. to come crying and say the rest of us. have to take care of you when you did. not prepare for retirement. I mean, I'm. definitely not going to say that. >> Yes, you will. Everyone does. >> Mhm. >> Everyone does because the moment you. become old and you're working in a. Walmart, it becomes sad and we all. empathize with it. And it's like, oh, no. Where if we look 30 years back, we. saw that you were just choosing to. around in life and you didn't save for.

retirement while the rest of us actually. sacrificed our wants for our retirement. and then we have to give more for you. And it's. >> I think you're definitely going to hate. that I am planning a trip to Chicago as. well. Let's be real. Some financial decisions. take a lot of time and should be. considered very carefully. But if you. got a family or anyone else that depends. on you and your income, there's one. financial decision that is a no-brainer. and you can't put it off. That is. getting life insurance. Which is why I. recommend Fabric by Gerber Life, the. sponsor of this video. Fabric offers.

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graduate with my masters in social work. >> Aren't you doing social work? >> I am doing social work. >> Uh what's your job again? >> I work at a nonprofit for. >> work. What's your job? >> Foster care. >> Yeah, social work. It is paying not in. the nonprofit space, but it is paying. better than it has historically. Historically, it's been a pretty bad. return on investment for degree, but it. is better these days. Why don't you go. and work, you know, for the state? Essentially, >> I did work for the state. >> And why don't we go back to that? >> Cuz it's a very toxic mindset. It's very.

negative, stigmatized. I mean, >> by who? >> By everybody. It's. >> who's going to you and being like you're. aing evil person for being a social. worker. >> Every person that I would have to meet. >> Who? The people that were assigned to. you. Is that what you're saying? >> Yeah. >> Okay. And you definitely I think I'm. just too much of a nice person to work. for the state cuz there's very much that. stern mindset. >> or if you're a nice person you would. sacrifice on behalf of others. >> I mean I guess that's kind of what I do. still. >> You're doing a little bit of an income. sacrifice but not a sacrifice of not.

enjoying your job as much. I get it. Social workers definitely go through a. lot. You get put in situations that kind. of suck. I definitely kind of. >> social work isn't just working for the. state as well too. There is. >> I know there's a lot of jobs but I'm. saying you could be making more money. than you are now and that could help you. get out of debt. However, with you you. would only spend more money. >> Yeah. I eventually have to get there, but like I do have to spend more money. to then make that money. >> Okay, you're spending money on Hawaii. and Chicago and $500 in a month going. out to eat. Shut the up. >> I mean, I do want to really walk the. stage and, you know, show that I have.

graduated. >> just for what? >> I got my masters in social work. So, that's. >> You already have it. So, what the [ __ ]. are you talking about? >> The commencement ceremony is in. September in Chicago. >> Okay. I'm not horribly opposed to that. Chicago is so much cheaper than Hawaii. >> Actually, it's going to be around the. same amount. >> I bet when you were spending money in. Hawaii, I guarantee it was more. expensive. >> No, cuz like I it was like around 1,300. for a week resort in Hawaii. If I want.

to I guess I'm not paying for all of it, but my boyfriend, mom, and I it would be. roughly like 1,500 for a trip in. Chicago. >> Whose mom? Your mom. >> My mom. I would have. >> on disability. >> Yes. We're funding this. >> Yeah, she wants to see me the stage. >> So, you went to school in Chicago. >> Uh, it was online. >> Do you have to do this? Is this really a. necessity for life? I'm just saying like. because of the life you chose to live, now it is harder for you to be able to. afford to do that. And that is kind of. the consequences of your own actions,

>> right? >> So, it's kind of hard for me to. you need to give things up and actually. start taking care of your life. >> I already purchased my cap and gown. And. I already put in the $50 graduation fee, so might as well go through it. >> School. >> for Chamberlain University. It's actually a really great school. >> Uh maybe. I don't know. It doesn't. really matter regardless. >> Yeah. I mean, they are stationed in. Chicago. So that's why they have their. graduation in Chicago. >> Yes. I assumed as much. You know, that's.

such an irrelevant point. I don't Okay, so let's see. $430 a purchase is 28. cents for all emergencies as she says. Let's see. Danny's Texas Roadhouse. Critical emergencies. >> That was going out to eat with friends. >> Also known as an emergency. >> I mean, if I do want to spend time with. my friends. >> Want. >> Yeah. >> Want. >> Okay. Well, sometimes I feel like I need.

to have some breaks. >> Breaks? Yes. Breaks do not require going. to Denny's, though. >> I mean, if my friends want to go out, I'm definitely going to go with them. >> Want. >> Yeah. >> Want. You do not need to go out. >> I'll me up some Denny's. Don't get me. wrong. >> I can tell. Yeah. >> Okay. You're fatter than me. Yeah. >> Yeah. Well, it's either spending 500 on. Ozmpic. So, do you want me to do that? Or. >> you could just diet like I am. I'm down. like 16 lbs. I'm diagnosed with PCOS and.

a binge eating disorder. So, >> Okay. So, you're saying you can't diet? >> I mean, it's very hard to lose weight. Yes. >> It's hard for everyone to lose weight. >> Yeah. And I'm not saying that it isn't, but it is still hard to lose weight. >> Okay. So, die at 45. Like if that's what we're going to say, if I if if the push back is uh sacrifice. some of your wants so you don't go in. debt, no, I want to do this, then go do.

it. If you sacrifice and do a work a. little harder because of your uh. diagnosis to to diet and do a a little. harder sacrifice than other people would. have to do to live live a little longer. Oh, but I can't. It's hard. Okay, then. go die of 45 with heart disease. >> That's your choice. I'm not gonna fight. you on that. >> That's just like my my mindset. I'm a. provider. >> Endless victim. Endless victim. I can't. It's hard. >> I like to pay for my friends sometimes. That's fine. >> I mean, I'm not going to expect them to.

pay me back by any means, but. >> stop paying for your friends. It's as. easy as that. I mean, you just can't. And I love them rolls. Texas Roadhouse. me up, you know. >> It's mainly the butter. >> Can we talk about that butter? >> Yes. >> That butter. Oh my goodness. That. butter. >> Yeah, that butter. >> Yeah. But also the little What is it? the onion blossom getting some mistake. >> Okay, listen. You just can't afford. this. And you trying to set this up as. being emergencies is a lie. >> It's a lie. And it's you trying to.

immediately deflect what is being spent. on here. And everything you do is aing. joke. >> And then you try to come in here and be. like, I can't. It's hard. Shut the up. You're just you're being a baby. You're. being a child. You are a financial. child. It doesn't make sense. I mean, I. guess that's perfect for the show then. >> Perfect for the show. >> Yeah, maybe. I need to grow up. That's. why I'm here. >> Oh my gosh. Is she just rinsing and. repeating catchphrases? I don't think. >> I don't think I am.

>> Listen, I'll get you I'll get you access. to the Fizz card. It's a debit card that. builds credit so you can just close. these. >> I mean, I definitely don't want to close. my Discover. >> Yeah, why would you want to just close. something you can't manage whatsoever? >> That would really impact my credit. score, too. That's my oldest credit. card. I have a credit limit of like. 17,000. >> House, you have a mortgage. What are you. trying to have good credit for? >> I mean, definitely hope to one sell this. house and then get a new a better house. >> when what you're afraid of not being. able to pay your mortgages cuz you're in.

control with your spending. >> Mhm. >> You can't control it worth anything. >> I mean, it's just. >> All right. I'll gift you also a course. career accounting degree. So, you can do. accounting for your own accounting. certification so you account for your. own money. Okay, >> great. sake. Dude, >> you think you can get a more expensive. house? >> Definitely not a more expensive house. Better in the sense that. >> better house usually equals more. expensive house, especially with where. interest rates are compared to where you. likely got this. >> Yeah. Well, I mean, >> I guess this house was very much like an.

impulse buy. Uh, I just needed a house. >> House by a house. You could have rented. a house. >> I was renting, but it was. >> You did not need a house. >> Uh, it was just much more expensive. Ironically enough, it was much more. expensive to rent than to own, >> which you did not need. And now you're. afraid of not paying your mortgage. And. that is not how houses work. Even if. your payment is a little less, if a. repair happens, roof, AC, heat, water, that's all on you. Exactly. So, no, it. is not always more expensive, even if it.

is literally on paper. Amazon Chase. You. need to pee. >> No. Fix my electricity. >> You need to fix your electricity. What. does that even mean? Have you not paid. your bill? What are you saying? >> Um, I know there's some electrical. problems in my house cuz I definitely. did rush to build I have no idea. I just. don't want to afford an electrician. >> You don't want to be able to afford an. electrician? Great. Okay. Oh, ladies and. gentlemen. >> So, I guess maybe put that in the budget.

to afford an electrician. >> And your mom's struggles. She can live. there well, nice and easy. She has. rheumatoid arthritis, so she has to go. up the stairs. So, >> why' you. >> That's why it was an impulse buy. >> Is there not a bedroom on the main? >> No. >> Why'd you get a house like that for you. and your mom if she has to go up the. stairs? >> I didn't think about it really. It was. just kind of like I thought about Yeah, I know. Um I thought about needing a.

house for us and then the next day. >> What the You bought your mom's cremation. plan on that last credit card? >> Yes. Well, she's alive. >> Yeah, it's much more affordable now to. get it. So, I mean, she's had, you know, near-death experiences and stuff like. that. So, might as well plan ahead. So, >> it's spending that you can't afford as. simple as that. >> We never know what's going to happen. >> No, we don't. But I know you can't. afford it right now. >> That's why it was on a credit card. >> Well, that makes no sense. >> I couldn't afford it.

>> That makes your minimum monthly payment. higher. >> Well, yeah. makes it harder to afford. for you. >> I get that. >> Oh my. Oh my, she's so broken. Amazon. >> See, I got my Amazon card. Uh I thought. you would like to have a backstory on. it. I got it because of Prime Day. >> Um they if you sign up for an Amazon. card, you would get a $200 gift card. So. I got the credit card and I did not. spend the total amount of 200. So.

>> Well, thank you for making my Amazon. stock go higher. $3,355.86. is owed on here with a minimum monthly. payment of $101. 14 years to pay off if you don't. purchase. Oh, guess what? We purchased. $250. Well, $67.90. of interest acred. Please tell me, were. these emergencies? What will I find on. the other side? Cuz I literally do not. know. >> A lot of it was really just gifts for.

people. Um, >> you you you. gift your mom you being able to pay the. mortgage so you guys don't get evicted. What is wrong with you for other people. too? >> And then also uh back to like my. understand what I'm saying ever. >> There's a few gifts on there that my. grandma paid for me. >> to get. So I also. you have to take care of all these. people that you have to take care of or. get assistance of others are all of a. sudden going and blowing money on all. this [ __ ] Great. I love the system.

we live in. Yeah. I mean, I didn't make. it, of course. But I mean, >> you enable it, of course. >> How? >> You allow your mom to live with you and. you subsidize her lifestyle, even though. she spends all her money on [ __ ]. that we give her. >> I mean, not really. She has a lot of. debt. >> You told me she has a lot of debt and I. know it's based on [ __ ]. >> I mean, I don't really know about her finances. that much. So, >> great. So, should you be supporting her. if you're not willing to vet her. finances? Cuz who knows what you're. supporting? >> She's my mother. I'm not going to.

>> She's your mother. You love her. Loving. your mother and loving a kid, loving a. sibling means sometimes having tough. conversations and making sure you're. setting them up for success. How old is. she? >> She's uh 65. >> Okay. Pause your Amazon. >> Oh, no. Let's look for it. See, I at least I. don't have it on the home screen, but have fun. >> That's a [ __ ] Android. I don't know. how to start a screen recording on here. Do you? >> Oh my gosh. Yes. Do you need a screen. recording? >> Yes. >> All right. Random surprise gifts for.

your boyfriend. Yes, this boyfriend. thing. And you guys do not live. together? >> No. >> How long have you guys been together? >> 5 years. >> Okay. Are you guys going to move in. together. >> eventually? I mean, he's. >> here's the thing with you crying about. having to you supporting other people. You'd typically be in a dual household. income situation 5 years in. >> I mean, he definitely has to take care. of others as well, too. He has a family. he cares for as well. >> Yeah. But you guys can take care of them. without living with them. >> Uh, it's kind of hard for him.

to take care of his family without being. there. >> We'll see. I like I don't even know if I. believe that honestly, but the way that. you set up the world, I I don't know. Waterproof phone case, pouch. Great. Looks like we're going paddle boarding. >> Well, I wanted to go to Six Flags for. like the past 3 weeks. >> What the is wrong with you? Why is that. more important? I don't understand. You're broken. You're broken. >> 90day supply of inl. >> See, that's okay. Now, that's a.

definitely a plus. That's to help with. my PCOS. So, it blocks cravings. So, >> I'm good with it. I'm good with it. It's. not working. Silkward. >> I just started. I do. You not see the. date that I purchased it? I just started. it. >> Okay. You just started. Silkwards men. swim trunk. So, gift. We definitely. don't need to be doing that. Good thing. there's a return starter for these shoes. cuz you certainly shouldn't be getting. that. >> And they're just sit in my car. >> Unbelievable. Birthday card. Nope. >> So, I got that. >> Barney birthday card for women. Nope. Those were the only original gifts that.

I got reimbured. >> 22 in summer wreaths. Nope. >> Grow lights. Nope. Shouldn't be having. plants if you can't even afford to pay. the own mortgage where the plants live. >> Well, the plan was. >> shut the up. Salopas pain relieving. patch. Yes, that one is okay. Acne foam. Okay, that is fine. A long life miniature bulb. Yeah. Yeah. Yeah, that's fine. A lot of women, you. know, hit or miss. And a wallala. definitely not. >> a gift. >> I don't care. That doesn't mean it's. necessary. A gift is not I don't care.

You're uh gifting yourself getting. yourself out of debt so you can give. more gifts. >> I just love to show appreciation for. >> gift the taxpayers you saving for. retirement so we don't have to take care. of you. >> I do. But. >> you just started um you just started. contributing to your 401k. >> I mean. >> and it's only 6%. That is not going to. get you there. >> That's definitely a lot of money though. It should be minimum 20% though. >> Yeah. I can't live. >> You have any chance? Yeah. Because you. blow all your money on gifts and food. and you get yourself in debt for gifts.

and food. Shut the. >> I guess if you get rid of. >> Cuz you want to go to Sixlex cuz you. want to go to Chicago to walk across the. stage for an online because you wanted. to go to Hawaii where people can't even. afford to go usually. And you think I'm. going to get cancelled for this episode. Guess what? All the white women out here. hearing you as a white woman saying. you're going to Hawaii. Oh, they're. going to murder you. They're going to. report you to your workplace. >> Okay. No one gets more offended about. people going to Hawaii than white women. that have never been to Hawaii. >> Valid, but also I mean I just really. just I that's really what I.

>> Nope. Canvas book. Nope. That you don't. have to say it's a gift. If it's a gift. or not a gift, it is equally unnecessary. and you don't need to do it and it is. holding you back instead of. >> necessary. It feels necessary to me. >> Feels I don't care about feelings. Feels. mean nothing. Nothing is. >> We're just talking about being. empathetic. That's a feeling. >> Yeah. I don't care about your feeling of. being a dumb though. It's not being a. dumb being dumb. You can't afford. You. just complain about how you cannot. afford the adequate amount necessary for. retirement. You cannot get gifts. Okay, first of all, definitely not. necessarily cuz ew.

>> Women short sleeve night gown. Maybe. I'm sure you had other clothes. Birthday. gifts for women? Nope. International. birthday gift? Nope. Cool wind candles. scratchers? Nope. Mouse pad? Nope. Return complete? Okay. Uh shower drain. for hair. Sure, I'll accept that. Pray. everything. Wooden sign? Nope. >> Acrylic, I don't care. You don't have to. say that means nothing. Why do you still. think that means nothing? >> It means nothing to you, but it means. something to me. >> Okay, because you're stupid and. incapable of making any sacrifices in. order to better your life and set. yourself up for success. You can care.

for your friends without endlessly. getting them gifts. I promise. What a. joke. >> What an absolute joke of a life. Bad. >> Okay, it was that bad. Amazon Amazon. Amazon Amazon Amazon Amazon Amazon. Amazon. Going into debt for gifts, paying 23.49% 49% interest on gifts. You're gifting again my stock price. Thank you. >> And trust me, I really got to go get. those stocks going as high as possible. cuz I'm going to need a lot more money. because in order to live the lifestyle I. want to live after they take the taxes.

necessary to fund your retirement. because you decided to live like a child. is going to be substantial. >> Okay, that's fine. I mean, you're just. kind of going back to that time where. you just feel like you're out of touch. with everyday person. >> I mean, >> out of touch. You can retire. >> I know. Definitely. I can't retire, but. saying that I just can't do and purchase. things for gifts. >> Not saying you can't, but you are. choosing that over retirement, though. >> An everyday person is going to purchase. gifts for people. >> An everyday person can be an adult and. sacrifice. >> Not everybody. >> You're saying not everybody can be an.

adult. >> Well, of course, they're going to be an. adult, but not everybody can just have. that money afforded to them where they. can just use their debit card. constantly. If I'm gonna use my Amazon, >> I need a gift. The gift is not a. requirement for the existence of. survival. >> If that was being spent on literal. groceries, $250, which you can do at HB, I will give you the meal plan after this. show. >> It can literally be done, but we give. 300 for it. Congratulations. You can. make that work. If you did that and did.

that only on credit cards cuz you cannot. afford to survive, that is where I would. say, "Okay, how can we fix this?" But. you do not need a gift to survive. Do. not bring that up again. It makes you. look like a [ __ ]. >> I'm not saying it's a gift to survive. It's just something that feels important. to me. >> Feels feels feels important. You did not. say is important because you know it is. not. You know it is literally just a. feeling. So shut the. >> Do you not like providing to others? >> I do. I can afford it. I put it in a.

budget and I make sure I sacrifice in. order to make sure I'm able to live. without leaning on other people which. you will be leaning on other people. throughout the rest of your life before. I allocate money to giving to. >> I mean I'm not really living off of. other people. >> You will be because you are not. sacrificing now for the later. Have you. not heard this conversation so far? We're an hour. >> Have you not heard about our government? I don't think I am going to be living. off of other people. >> What do you think social security is? The only social security that goes out. is immediately what is paid in. Huh? It's definitely getting cuts constantly.

So I I guess good. >> cuts. Retirement age is being extended. in order to make it continue to go out. >> Social Security isn't What do you think. social security is? It is its own. separate tax. It is money that is. immediately taken out and then given. It. doesn't sit there and even acrewue. anything because we that up in the '90s. hardcore. >> Oh yeah. >> What do you think that is? >> I just. >> you don't even know. >> They're going to continue to cut They're. going to continue to cut off. Are they. cutting the social security tax that I'm. not aware of? No,

>> please. >> Oh, okay. Then what? >> No, I mean the funding that's going to. be given to people that are in need of. it. >> What do you think social security is? It. is paid through a separate tax. >> Mhm. Okay. I just didn't know that. But. >> great. I love when we again speak on. things that we literally know nothing. about. Why have an opinion on something. you know nothing of? >> You can have an opinion regardless. So. you. >> I really appreciate you educating me on. it. I mean that's great. >> So you want to be uninformed. Great.

>> I obviously thanked you for educating. me. How is that? You. >> said you can have an opinion on things. >> You can have an opinion. But I'm glad. that you educated me on it. >> Let's face it, content creation is. brutal. You mess up one line and. suddenly you're on take 12. Your camera. battery's dead and your cat just threw. up off screen. But now there's a tool. that flips the whole process. Today's. sponsor, Nvidia AI, just launched. something wild. AI Twin. You upload a. short clip of yourself talking and. Invido builds a digital version of you.

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interact with it in the video. So, if. you're trying to make videos without. becoming your own full-time film crew, go to the link in my description, check. out Invido AI today, and create your own. free avatar. Let's get back to the. episode. City Diamond Preferred card. >> Yes. >> Oh, what's going on with this? Um, I got. that one really kind of just for. funsies. Um, just to apply and then I. got a credit limit. I really wanted to. just. >> funsies. >> Yeah, because I I was using my my credit.

card utilization. It was like around 40%. that I was using and. >> funies. It suggested getting a credit. card to lessen that utilization and it. did. >> For funsies. No one says getting a. credit card for funsies. I'm going to. murder you. Well, before you even get. the chance to get murdered in Chicago. >> I mean, >> and I love Chicago, by the way. >> I mean, I think a lot of people would. say that. >> would say what funsies. >> that they're, you know, getting a credit. card just to get one. >> Just to get I don't know.

>> Well, it did uh did increase my credit. score and. >> Yes. Yes. But a credit score is. literally just indication of whether or. not they can make money off of you. It. is a game. You are telling them they can. make money. So they're like, "Yippee.". >> Yeah, that makes sense. >> You know, $2,67642. cents. Maybe I need to What? What the. were you possibly going to say? >> I don't think I was going to say maybe. You kind of already cut me off. I kind.

of forgot. >> Brain of a goldfish. Okay. $8145. minimum monthly payment. $54 of interest acing. Thank not. purchasing on here. Thank. >> Oh, I mean. >> a trip to Minneapolis on here out of all. places. Wonderful. What are we doing? You're traveling every second of your. life and you're complaining that you. can't afford life and no one can relate. to it. No, you're just blowing. everything. >> Not every second of my life. These were. the first two trips I've ever taken.

>> Yeah, but now you're doing it like. crazy. Well, you're still complaining. that you have to take care of others and. no one can relate to it. Shut the up. >> I mean, just because I want to explore a. little bit. That's. >> what. >> I want to explore. >> What? >> I want to explore. >> Exactly. So, I'm not going to have. empathy if you can't pay your bills. because you are choosing to go on trips. everywhere, including again, out of all. places, Minneapolis. >> It was a school conference. that wasn't reimbursed. >> Why were you going to a school. conference? >> My boyfriend had a school conference.

>> Your boyfriend? Okay. Oh, did you pay. for your boyfriend? >> It was uh both of our birthdays. So, >> So, it wasn't for a conference. It was. for your birthday, you dumb. You. absolutely It's around the same time. >> So, you're saying yes, you paid for his. trip? >> Yes. >> We were flying on his birthday. So, >> you absolute creature. You absolute. creature.

>> The only reason you're able to still be. employed cuz the nonprofit was set up as. a nonprofit to employ people. Oh my. gosh. Oh, is that its true purpose? Is that. its true purpose? Am I donating to this. nonprofit to just employ you? And it's. aing like make a wish employment. Oh my. gosh. Cuz no employer would keep someone. around you. >> I think I'm pretty loved at my at my. job. >> Oh yeah, they're making you feel loved. cuz it's a Makea-Wish job. Oh,

>> I mean, it's supporting other people and. I like to support people. >> How? You can't even support yourself. In. what world are you the person to take. advice from? >> I would gladly support others over me, which I know. >> But if you're incapable of even being. able to advocate for yourself and do. your own life, right? Who the is going. to listen to you? Who are you to be in. authority? >> No one's meant to listen to me. >> Who are you supporting? >> I'm supporting my friends. Um, I'm. supporting people that have experienced.

foster care. >> 12 years to pay off. >> Were you in foster care? >> I was not. How could you speak on foster. care? You can't relate to them. You. weren't specifically there. >> I never said that. >> That is exactly what your worldview was. for me. So, shut the up cuz at least I. was in situations similar to yours. You. were never in foster care. So, shut the. [ __ ] up. >> I bet I'm in the social work field. So, I mean, >> and I'm in the money field, so I can. >> I'm supporting I like to support other. people. I also like to. >> support more people getting out of debt. So, maybe I can speak on debt.

>> I mean, added on to it. I guess I do. have, you know, plenty of cats as well. too that I support. >> Cats? >> Yeah. I did originally want to be a. veterinarian and then I just took the. route of just having pets. >> What does that have to do with. >> I mean that's going on to me supporting. others. So. >> I have two dogs. I'm not crying about. it. You dumb tit. >> I'm not crying about it. >> Without the actual act of tears coming. down your face. Yes, you are. >> Okay. Granted. >> Interest charging calling me a creature.

You're a creature via your actions. >> I mean, supporting people was a. creature. >> Yes. Going to Minneapolis, Hawaii, and. Chicago, and you can't even afford to. survive and take care of those others. and crying about it. In saying. >> caring for those others, >> saying you can't afford it and you're a. victim in this world because of it. Yeah, you choose to travel three times. Shut the [ __ ] up. >> Shut up. >> I mean, >> you're not entitled to anything. Shut. the up. I do hear many for what it's. worth, though. >> It was nice. here. It's a decently.

walkable city and whatnot. >> You're just used to San Antonio, which. is like the cheapest major city. >> because it's San Antonio. Close your. ears. >> Kind of a hole. Um. >> Oh, very much. >> Love the Riverwalk. and the Pearl District. >> Oh, the Pearl is very nice. I actually. went there for the first time. >> I was in San Antonio. I don't know. Puffy tacos. Quicksilver. What's going on with this card? >> You saying Quicksilver? I kind of had no. idea it was called Quils. It used to be.

on my Walmart credit card. Um, and then. I still kind of just use it for Walmart. Capital One kind of paid out, bought it. out, I guess, and I still have it. >> Okay. So, you just endlessly go to. Walmart. >> Uh, Walmart's down the road for me. So, yes. >> I doubt all you're getting there is. groceries. >> Uh, I mean, there's definitely going to. be some other ones in there. I just kind. of don't know. >> Uh-huh. which is then hard to qualify as. we go through these Walmarts. What is. groceries and what is not.

>> I don't know. >> even within a single purchase. >> Yeah, I just mainly use it for Walmart. But I mean if I go through my wallet, I. just say, "Oh, I haven't used this one. in a while. I don't use that one.". >> Why is that? >> It doesn't happen at I mean cuz it's. there, I guess. >> Huh? >> It's there. >> I haven't used this one in a while. I. feel bad for it. Its feelings are hurt. So, let me swipe it. Like, I'm. >> like, your logic on all these things are.

so weird. >> If it's for the fact of trying to. prevent it from being closed, which. takes a while, then we're having a. different conversation. But you didn't. say that. >> At least. >> $62 is your minimum monthly payment. $43. of interest is acrewing. Takes 11 years. to pay off balance of $1,941.65. >> What trip did we take on this one? >> None. Thank. >> I hope not. I don't like I said I don't. really I don't acknowledge. >> the dollars of the don't acknowledge. what.

>> the statements. I just look at the. minimum. >> So how can you possibly ever fix your. finances if you're not willing to look. at the statements? >> I mean I look at the the minimum. payment. >> But it's more than that though. You need. to know what you're spending on certain. things again. And that and that is why I. require you before you leave thising. building to get set up on the premium. version of the dollar wise budgeting app. because it'll tell you exactly where. your purchases are going in each. category. >> Well, I guess with that with that one, I. mean it is groceries, cat food.

>> Yeah, but we know if it is Walmart that. you are spending more than just. groceries and pet items at Walmart. We. know for. >> cat food is expensive. >> What? I didn't say what are you talking. about? I said you're spending more than. just that. I I mean I couldn't tell you. if I was. >> Of course not because you have no. ability to look into any. self-reflections of your own behavior. >> You need help? >> No, I just wish I had a Walmart receipt. of yours. >> I have like the Fetch app. Maybe there's. >> Do you often use that? Fetch is that is.

that that's not just for animal stuff? >> Uh Fetch app is where you just put your. receipts in. And I do have like Walmart. receipts. >> I'm not familiar with the Fetch app. Oh, so it's kind of just like one of those. where you. >> have seven cats. >> I do. >> Okay, that's disgusting. I'm sorry. As a. cat lover, >> that's disgusting. >> I'm a dog lover, too, and if I had seven. dogs, it would be disgusting. >> I mean, I have like some garage cats as. well, too. >> That's disgusting. >> Uh I mean, I take care of cats. I did. have a dog, too. I have Simba, Momo.

>> I don't want I do not need to know their. names, nor do I care about their names, >> but they're cute. And then like I some. of my credit cards I did have to you. know spend some money on when my dog. passing away. So I had to. >> Yes, of course. Of which I if you do not. have an emergency fund which you should. but you don't because you spend money on. why but okay whatever. Now you don't. have an emergency fund you put it on a. credit card. Great. Now sacrifice. everything in the world in order to pay. off that credit card. That is what you. do. That is not what you did. So no I do. not empathize. >> He had a he had to get an amputated leg. as well too. So that was using a credit. card and again all the whole hard to.

have a fin emergency fund. I mean I had. >> You're right. It is hard if you go to. Minneapolis, Chicago, Hawaii, $500 a. month and. >> Well, I didn't I also didn't have like a. job like a full-time job for a while. because of my school. >> choice. >> I mean, I wanted to finish school. >> Choice though. People go to school and. work. >> Yeah, but I had to work 32 hours unpaid. for an internship. >> Yeah, that definitely makes it harder. That definitely makes it harder. Now, if. you're coming and knowing your your. situation with your family, you likely.

would have had uh federal student loans. that would have helped cover many of. things. >> I do have student loans. >> I know, but even that would have helped. cover living expenses and that would. have been better than a 30% interest. credit card. >> Definitely not. I I still had to pay out. and then at the beginning of the year. they said that oh FASA was on a pause so. I had to pay out the rest. So, it's roughly like I was almost done. So, I think I paid like 2,500 just to. then get my degree. >> You're not taking out any more student.

loans, right? >> No. >> Good. Cuz they just changed. >> Unless I just don't want to pay my. student loans and then go back to. school. But. >> cuz if you do and go back to school, student loan repayment has changed. They've gotten rid of all the new income. based things or all the old ones. It's. new now. Now, there's a standard 10year. payoff or there's a slightly adjusted. one for income that takes 10 to 20 years. to pay off if I'm not mistaken. >> Probably like almost double. >> Yes. Of which cuz I've had a lot of. people making like $70,000 that have low.

payment student loans for income and I'm. like, what the [ __ ] I'm making $70,000. Does it make sense? Then they spend all. their money on bull and then. >> I wish I made $70,000. >> Yeah, but you spend all your money on. [ __ ] regardless. And then you're. probably like, well, I don't have enough. money to pay for my student loans. Someone help me. No, you're choosing. your loan things. You're borrowing it. from the taxpayer. Pay it. You. >> definitely going to pay it. >> And also, if you don't pay your student. loans, even when you're not in school, they will come and garnish your wages. now cuz now they don't care. Garnishments are about to start.

>> It has been announced with the bill that. just signed the other day. It has. changed to student loan repayments. >> Oh boy. >> Immediately or. >> it is for all future borrowers, but they. will come garnish your wages if you do. not pay on your student loans. but for. future student loans that are taken out. and it's also capped $50,000 a year if. I'm not mistaken for graduate degrees. >> Okay. Well, I do have a graduate degree. >> which might bring down the price of. college cuz they want their student. loans. >> Okay. What is lending club? >> Uh that's um my consolidation loan that. I got. So whenever I.

>> let's get the example, ladies and. gentlemen, here it is once. So, I got a. consolidation loan because uh all of my. minimum payments were much more than. just the minimum payment for the loan. >> and I thought it would be easier to pay. that one bill whenever I didn't have my. full-time job. >> Yep. And look what happens. This is what. happens if you do not change your. behavior before you either go through. bankruptcy, before you consolidate, before you do a credit card transfer. This is exactly what happens. You just. build all your debt back up again. Example number 1,568. billion in the history of. >> I've already done it once and it worked.

out great. And look where you are. So it. obviously did not. >> If where you are today is where you are. today, then it did not work. It is as. easy as that. I don't give aly. >> did not work. Did not have a job. >> If where you are today is where you are. today. It did not work. If where you are. today is where you are today. It did not. work. >> At least I'm still paying them. >> for now. I mean, you're already pushing. yourself to your limit. We'll see when. we make a budget at the end. Lending. Club. Okay. So, what is your minimum. monthly payment on this?

>> 3.42. 42 or 432. 342. >> which Okay, I'm going to say 342. >> I have it on my calendar for my. calculator. >> 73220. Sure. Go ahead and look up that minimum. monthly payment. >> It is 34. >> And all this was is a consolidation. Uh. you paid off a previous consolidation. loan, then you fell back into credit. card debt. Then you had to consolidate. again. And now you're falling back into. credit card debt. There's a repeated. cycle. It is not working. It does not. work. What did you say it was? >> 342. So, you just keep doing this over. and over again and you're expecting.

different results, huh? >> I mean, it was really kind of just a. means of survival. I know you don't like. me saying that, but I. >> But it didn't even work, though. >> I know. But I got that one when I didn't. have a job, so it was going to be. cheaper to then pay the 3.42 and have a. lower minimum payment on my credit cards. versus. >> Did you have your house at the time? >> Yes, I've had my house since 2020. Oh, I. would have just not that I even advocate. for this, but if you're going to go. through all that and it clearly hasn't. worked previously, let the credit card.

go into default. >> I've never thought about that. >> Well, I'm not advocating for it, but. instead of going through all these. things that you have proven not to work, just look where we are. At least you. wouldn't be able to spend on those. credit cards in that case. It may have. been more beneficial in the end. >> I guess I was also just thinking about. like a credit score as well, too. >> I know you were, but you already have. your mortgage and I know you want to. upgrade your house, which is insane. I. don't know what the you're possibly. thinking. That's funny. >> You are living that American consumerism. life and then you think you're entitled. to it, which is actually kind of crazy.

It is crazy. We love to spend. >> I definitely don't think it's entitled. It's because. >> what you said you deserve to have fun. and get gifts and go on vacation. That. is what you love. >> I thought you were referencing that into. me getting a better home. I don't think. I'm entitled to get a better home. >> Oh, finally. First time in your life, you don't feel entitled to something. I. mean, I will gladly say I feel entitled. to have a a little bit of fun from how. much I've been working. >> What a joke. What a joke. You are in the. most privileged position of all of human. history in terms of the Oh, definitely.

>> In terms of the resources we have, in. terms of the knowledge we have, in terms. of the pay that we have, housing is more. expensive when compared to pay than it. was in say the 1950s. But even still, we. have way more luxuries. You certainly. have more freedoms and more life to. live. That is for sure. Uh, we are in. the best history of humanity objectively. than ever. And you want to say you're. entitled to going and having fun? You. >> just a little bit. I'm not going to say. >> I'm so dumb. What is your car? What is. your car?

>> Um, 396. >> No. What is your car? >> I thought you were talking about. payments since you were asking about. payments earlier. So, it's a 2019 Chevy. Tracks. >> And your payment is 39641. 2019 Chevy. Tracks. Okay. And I had to add my old. auto loan. >> Great. So rolled over negative equity. $11,136.72. cents. What do you think it's worth? >> Not much. I think maybe. >> What do you think it's worth? >> $7,000. >> It is worth $7,000. So you are. underwater decently dramatically.

>> Yeah. >> In terms of percentages at least. >> It's probably even less too cuz. >> What is the interest rate on this car? >> Um 4.5. I think. >> Well, that's not horrendous. But you got. rear ended. Yes. >> Just cosmetic damage. >> Uh, I think so. It was like around. $2,000 in damages and I didn't have a. job, so I just used that check to pay my. mortgage. >> That's so stupid. And why did you roll. over your last car? >> It just started breaking on me. And I. tried so hard to get it fixed. I went on.

YouTube. I changed the starter, changed. the battery, spark plugs, fuses, and it. ended up being the alternator. >> You think about going to going to the. mechanic? Okay. Um, it was cheaper to do. it myself. >> Yeah, but you at least need a diagnosis. >> Yeah. Well, it was definitely the. alternator at the end of it, so I just. traded it in. Broken. >> Traded it in. Rolled over negative. equity is actually what happened. >> I didn't know that at the time. >> Okay. This home. And by the way, I mean, yeah, I mean, the mortgage is chunky. when the How old's grandma?

>> Uh, grandma is 86. >> And what's her health condition? >> Yeah, she definitely needs a provider, the way. >> Okay. Well, that wasn't really an. answer, but um either way, with her age. and apparent health condition, listen, the reality is you might lose this extra. thousand bucks a month here pretty soon. >> Mhm. >> And that's going to be really difficult. because that covers a part of your. mortgage situation. I know it's okay. I. I love my grandparents, too. It's going. to devastate me the day that, you know, sadly that happens. But, um and I'm not.

advocating for it. I'm just saying. that's very impressive cuz right now. with your income, this is 34%. >> Yeah, >> I'm relatively comfortable with that. with your net pay. Okay. >> But without that, all of a sudden, we. start getting a little concerned here. >> with the $1,327. a month mortgage payment. All of a. sudden, you lose $1,000. That becomes. 46% of your pay. And that becomes. incredibly scary, especially when you're. incapable of not spending money on fun.

and [ __ ]. So the house itself interesting I'm not. >> so like it's 46%. of like how much I. >> will be if you lose the income for. taking care of a grandma. What. >> about. >> that? What is the interest rate on here. >> on the house? >> Yes. >> Um good question. I think it's I think. it's 4.2. 4.1 4.2. It's definitely. >> okay. >> Not more than 4.5. >> Okay. That's fine.

Balance $159,673.82. >> with a minimum monthly payment of. $1,327. >> 67. No. >> Huh. >> It just went up to 67. >> $1,367. >> Yeah. >> Okay. Property taxes. >> And they're not creating taxes. >> And it doesn't even matter cuz it's. meant to fund our own city, but then the. state takes like 40% of the property. taxes we even pay. It's kind of that's. insane. >> That pays for the salaries of others. I.

guess. >> it pays for other districts that can't. fund their own properly. >> I think that's my district as well, too. So, >> another example of me supporting you. when you can't even budget your own. life. >> That's fine. >> Yeah. The state of Texas is actually. quite socialist when it comes to. property taxes. You'd be surprised. Well, lots of redistribution. >> Definitely. It'll probably negatively impact me.

later on, I guess. I don't know now. I. don't know how much debt. >> That's something that I just not all. your debt. >> Um, I think so. Except with like the. student loans. I think I have like. 45,000 in the student loans. Are. >> you paying? >> No. >> Why? >> I'm in a What is it? Grace period. >> Oh, yeah. Oh, that's going to start up. soon. >> Yeah. >> Um, I'm sorry. How much did you say? 45,000. Mhm. >> Okay. For a graduate degree and. everything, that's not insanely crazy. Uh I believe it's like 38 to $40,000 is.

the median borrower for an undergraduate. degree. >> I did go like all all over the finances. thing. I guess before the bill was. passed, um it did say I didn't need to. pay. >> Yeah, different now. >> So, I just said. >> Yeah, different now. That's for sure. >> I did get an email saying that it could. be like 300 minimum. >> Okay, I'll put 300. That's going to. start soon. That grace period is going to end in. relatively a few months. Yeah, be. prepared. And. >> that's what I was saying. I was like,

maybe I should just go back to school. >> Let's go into more debt. Just not pay on. debt. That's great. That That sounds. wonderful. What a smart choice. All to. save $300 a month. Shut the up. All to. save $300 a month. By the way, while. we're going to Popeye's, Waterburg, IKEA, IKEA, Amni Entertainment, Ice. House. >> I mean, like I said, >> Waterburger. Waterburger going in. Getting some BS. Making ready market. beep. Beer hall. Hot works. San Antonio.

Spotify. Texas thrift. Texas thrift. TGTG. Uh going and getting some BS a lot cuz I. know that $6 from Walmart was BS. Okay. I know for a fact it was BS. And there's. a lot of that scattered about here. McDonald's, Uber Eatats, Six Flags. Off. So stupid. saving $6.96. Great. >> It's actually cheaper to do the the. monthly membership, you know, as long as. it's not raining. Yeah. >> Don't go to Six Flags. It's cheaper to.

not go to Six Flags than to go to Six. Flags. >> again. I'm privileged, I guess. Not. entitled, but I feel. >> What? Yeah. History of humanity. Yes. But you need to sacrif. You just piss me off. 3,880. This is. like nothing is coming. Nothing is just. going breaking through with you. >> I mean, I I tried. >> Good one. >> Okay. Debt, minimum payments, not. including the mortgage, is $1,456.94.

Fun fact, that plus your mortgage, you. would not be able to survive. if uh grandma was not here. That's a. reality. I'm going to be. >> I definitely. >> $1,367. for your rent and mortgage. M. >> tell me about utilities. >> Um it's roughly. less than 150. >> for everything including the internet. >> Oh um internet my mother pays it's like. 20 bucks. Um and then I pay for my the.

CPS energy and water. So I guess around. 200 total. >> 200 gas room drive. >> um maybe around like 150 at most. >> Car insurance. Um, that's 108 with both. my mother and I. >> 108. Yes. For car insurance, phone bill. >> Um, I have Mint Mobile, so I just paid. the. >> How much? >> 300 a year, so I guess 15 a month. >> Uh, and we have a supporter that we. advocate for called Helium Mobile.

Pretty much does the same thing. I'm I'm. good with this as well. So, okay. Necessary food. Do you cover you and. your mom or does your mom cover herself. with the money that she gets? >> Uh, she covers both of us. So, she. usually pays the groceries as well for. 400. KTV fun $100. Anything else you. need to survive? Gym. Is there a gym? >> Yes, that was the the hot works. How. much? That was 58. >> 58. Are you going? >> Um, well, I got a kidney stone back last. year. Um, >> last year. >> Yeah. And they told me to really kind of.

settle down. >> $58 for the gym. Pet insurance. Do you. have any? >> No. >> Uh, these cats don't even know, man. >> I mean, I feel like it was very much a. scammy thing because. >> depends on the pet insurance. Get good. in pet insurance. I have good pet. insurance. >> What is it? Cuz I need to know. I don't. even know what good pet insurance after. the show. They're not paying me, so I'm. not going to advocate for them. >> Tell them to sponsor you later, I guess. >> No, pet insurance can be good, but I'll. cross it off for now. We try to budget. in. And pet food, how much? >> Um,

I really don't know. My my mother helps. with that. And then. >> she helps with it. >> Um, it's like $50 towards it. >> Okay, that's good. >> Sick. Um, yeah. I mean, just simply you. you can't survive. with this like. makeshift budget where I don't think. some things are included. You're. basically breaking even at $3,789. It's like, okay, so right now you're not. surviving and that's simple. And uh the. reality is uh and that's with no fund. money. And I wish I could, but the. reality is this job does not pay enough. money. You need to go work a social work.

job that maybe you like a little less. that makes more money. >> That is a reality. You need to boost. your income. That boost income does not. boost lifestyle. So you then throw that. $1,000 hopefully extra that you make on. a monthly basis and you throw that. towards your debt and you pay off your. debt not including mortgage and call it. 3 years probably and you could do that. and that's pretty fine. Could also go. through bankruptcy. >> No. >> Okay. Well listen the reality is you. just need to go make more money. You. need to get a different job in social. work and then you need to throw all that.

money that you are making extra. I don't. care. >> That's a goal in the future. But I mean, also now. >> being a social work, >> don't care. >> You need to then pay to get a license as. well, too. So, that's something I do. have to pay. >> Um, it's 230 just to take the test. >> Okay. 230 is half of what you spent on. fast food this last month. So, I don't. care. Even if that goes on a credit. card, that is a proper investment. >> So, do that. >> If I pass, >> I would hope you pass. >> I mean, it's very difficult to pass.

>> Great. you went through the school and. so. >> get educated, dude. I don't know. Go. make more money and pay off your debt. and add. >> I mean, not everybody can just like up. and quit their job and. >> up and quit. I'm not saying up and quit. Go get your license and go pursue your. career field outside of this nonprofit. and go. >> be now. You said now. >> You're right. It's not now. You work uh. go get a second a third job on Sundays. >> Great. cuz you can't survive or go. through bankruptcy.

>> I do also. >> or go through bankruptcy. >> Definitely not going to go through. bankruptcy. >> Then you have to make more money cuz. right now you do not break even. >> You're underwater. >> I do like side hustles as well too. So I. I mean it's not much but I do like Swag. Bucks. >> You don't make enough money. >> And then there's like an independent. contractor. >> Any kind of time you are spending on. that, you need to go work at a brick and. mortar retail if you have to. You need. to just go make anything cuz you are. basically breaking even. If you just. make a few hundred, at least we're. staying afloat. You're only going. further in debt and you certainly aren't.

going down trips. You're not going out. Chicago. If you cannot afford to. survive, you are not walking across the. stage. I don't care. You're not doing. You need to sacrifice for your life. You. need to sacrifice for your life. You. need to sacrifice for your life. >> and others, I guess. >> Guys, come join us in the post show. Remember, in order to join Hammer Elite, it is free for this month. I'm going to. give her her financial score, but just. submit that reimbursement and I pay for. your $10. Uh, so click that join button, click the link, but spending in a. budget. You ever spend 0 out of 10 debt, at least there's no collections, but.

pretty high debt. Most of it's mortgage. consolidation, rebuilt the credit cards. I'm going to say a two out of 10. Emergency fund, a few hundred in. savings. I'll give you a one out of 10. Retirement, >> probably not much there. It just. started, right? I'll give it a one out. of 10 cuz at least you turned it on. Real estate, there is that. I don't know. the value of the house. How much did you. put down? >> Um, I didn't put a down payment. Um, you. say five out of 10. >> cuz it probably went up in value a. little and then a little down in value. and then it's probably. >> I think it's a little bit higher in. value. I think it's up from purchase. Yeah. >> So, I'll give you a five out of 10. But.

going in without an emergency fund, going in having to do the repairs, electricity things she needs to fix, can't even fix it cuz she's breaking. even. It's like, okay. >> Well, hopefully that can go in the. budget plan. >> It certainly can. We need to make more. money. Two out of 10 is your Hammer. financial score. Join Hammer Elite. Come. check out all our shows like our new. show Behind the Audit or Hammer uh. Hammer It Out where we accept your calls. and we give our advice and everything. like that. Remember, join submit proof. of purchase at hammerly.com and I'll. send you a digital gift card that can be. spent anywhere and in most countries.

Join us for the post show. What do you. know about her finances? >> I just know debt. >> How much debt? >> If I had to put a number of maybe. 10,000. >> Just her auto loan alone is 11,000. So. you guys are going to Minneapolis. You. guys are going to Chicago. You guys are. going to Hawaii. She's spending $500 a. month going out to eat. It is endless, endless, endless. Dumb, dumb, dumb. Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.