The $770,000 Boob Job | Financial Audit

You blew your emergency fund on. >> plastic surgery. >> That was when I was blew. >> your emergency fund on all this fake. bodily [ __ ] and now you can't pay your. mortgage and you're 4 months behind. >> Yes. >> And your Airbnb is literally losing. money and you want to get more Airbnbs. >> What? >> Yeah. >> How does that logic make sense? Please. >> It just does. I've studied this. It's. all going to work out. >> What is one thing you've done well? >> Try. >> No. Your trying has been horrible. You. have failed everything you've tried. >> Yeah, but at least I did it. >> No, you haven't. You're failing. >> I don't give a [ __ ] At least I have. that life experience.

>> Hammer Elite is the best YouTube. membership on the platform, and I just. upgraded it. Get access to exclusive. shows every single day, Monday through. Saturday. 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 hammer elite.com. After. that, I'll send you a $10 digital gift. card that can be spent basically [music]. anywhere and in most countries. This is. the best membership you'll ever join. That's a promise. Hi everyone, I'm Veronica. I'm 37 and I.

live in Austin, Texas. >> And. this. >> this is the financial audit. >> The It sure is. And I appreciate you. coming into the studio. It's rare that. we get a local night these days cuz we. pull in from across the country. So I. kind of, you know, obviously know the. economic situation of this city better. than any other city for sure. What do. you do here for a living? I work in tech. and then um I'm also a co-host. Yeah. >> Co-host of a podcast.

>> No, Airbnb. >> Co-host. >> Yeah. Co-host. So, it's a. >> co-own. >> Co-host. It's a term that Airbnb uses. >> Okay. But in real terms that real people. use. >> Mhm. >> What's a co-host? An owner of a house. that. >> No, you you manage other people's homes. >> for Airbnb. >> Okay. So, you manage other people's. homes. So, people buy a house. >> Mhm. >> They want to rent those houses on the. short-term market. >> Yep.

>> And they hired you to do that. >> They did. They did. >> You're essentially a rental property. manager, but on the short-term leasing. >> Yep. You got it. >> That makes sense. Okay. Tech. What do. you do in tech? >> Uh, I work for Airbnb at the moment. >> Well, okay. Well, that makes sense. I. guess you're kind of fully in that. niche. What's your position? >> I'm a program manager. >> Cool. What do you make? >> What do I make? Uh, I bring in 3,300 a. week. >> Oh, okay. Thank. >> Yeah. >> Oh, and please tell me that's not. >> Yeah, that's like take home.

>> That's not okay. A week. That's. wonderful. I was very scared when I. heard that number. I thought you were. going to say a month. Listen, Austin's a. great place for tech. Tech is slowed. down in the country, so I would always. be a little nervous, especially, >> honestly, Airbnb would even make me more. nervous in general because I don't think. their stock's been doing too well. I'll. have to confirm that. put it on screen. But not only that, but if there is an. economic downturn, I don't know if it'll. go into full downturn, but we're. definitely in a slowdown for sure. People cut back on travel. That is often.

shortterm living cuz, you know, people. still got to live in rentals, but not. short-term rentals. So, >> uh-oh there. Plus tech layoffs, plus. potential automation with AI. We're. seeing, we're not necessarily seeing the. extremes of that that many people are. hyping up. More than anything, we're. just seeing a tech slowdown and. readjustment and an overall correction. in the labor market from the overhiring. we saw in the best employment market in. the history of the United States a few. years ago. >> I'd be a little nervous in your. position. >> That's fair. >> I wouldn't be afraid, but I would be.

preparing for the overall trend that we. are seeing. And especially if you're. doubling up with the uhoh, that's not. the best market for short-term rentals. And uh-oh, we're also in tech where it's. not the best market for tech. Uhing oh. Yeah, >> I'd be a little nervous. >> Fair. >> Yeah. I mean, the past month alone, Airbnb at the time of this filming is. down 10%. The stock down 10%. >> One month. 10%. That's actually crazy. Hold on. Hold theing. Hold the.

>> Wait, whoa, whoa, whoa, whoa. I got to. hold it. Okay. >> Well, I don't want you to hold it. >> Well, you look that up. >> The dick. >> Okay. Um, yeah. The S&P 500 is down 1.3%. last month. It's down 10%. What the Let's see. Year-to date down. 12.8%. Max, not a great trend line. I'll just. say that. Uh, says publicly listed down. 18%. Okay. Listen, I don't want you to be.

afraid, but listen, you're coming on. financial audit. >> Yeah. When you're coming on financial. audit, usually your finances are somehow. your finances are when you're bringing. in a [ __ ] ton ofing money in a city. where the cost of living has actually. gone down because we have policies that. encourage building instead of. performative virtue signaling policies. like rent control. That doesn't work. So, we have a one of the rare cities in. the country where costs have gone down. Your income has gone substantially up. Yeah, you have nothing to show for it. other than a paperwork stack of death. and you when you are probably in one of.

the most risky tech positions. >> out of almost anyone. >> Come on. Where else? Where else? Okay, maybe like match group. >> Yeah, fair. But like. >> those a PGM job. >> I dude highly doubt it. It probably take. my job in 10 years. Who knows? Who even. knows? I need your help right now. But. I'm not I I'm not even talking about AI. The fear of AI replacing jobs right now. is over amplified because we're seeing. the rise of AI at the same time when the. job market is over is probably.

correcting for the overhiring we saw a. few years ago in tech. So I'm I'm not af. I'm not even saying AI. I'm saying the. tech job market is and you're in an. industry that is also [laughter]. >> that's what I'm afraid of. Okay. >> Can I speak on the Austin market. specifically or no? >> Like what everyone's hanging on to Yeah. Like what we're hanging on to is that. there's going to be a licensing change. in July. So basically there's 13,000. plus unlicensed Airbnbs in Austin. >> This is for your second job. >> Yeah. Well, it it all kind of plays. together, right? Like. >> to a certain extent, I don't think the. Austin market itself will save the.

entire company of Airbnb. >> No, but yeah, for the second job, right, for how I subsidize my life and so. there's. >> how should you how [laughter] why in the. world would you need to be subsidizing. making $150,000 a year? >> Need to subsidize on top of that. Yeah, you make good what was it? 3,200 net a. week. >> 3,300. >> 3,000. Okay. 3300 * 52. Okay. THAT IS. NET $171,600 a year. THAT IS NET. $14,300. So what are you? You're making. like $225.

>> Yeah. Right there. >> And you have to subsidize yourself. Why. are you so broken? >> I don't I mean that's what I'm here for. >> Yeah. It's what you're here for. But why. do you think you're broken? Cuz there. needs to be some level of self. assessment here for me to kind of. understand where at least you think. Cuz. then I I can't help someone I don't know. where their brain's at. So why do you. think you're. >> Well, apparently the house is too. expensive. I want my house. >> You have a Okay, so this isn't the co. whatever thing you're. >> It's a house that I own.

>> Okay. You own your house. >> Yes. >> Why' you buy a house to live in that you. can't afford? >> Tell me about it. [laughter]. >> No. How about you tell me the answer? >> Well, it was kind of twofold. Uh, if we. were talking on the career side, I was. like an a short-term rental like. influencer here, right? So, I would. educate people on how to own short-term. rentals. So, that was the first. >> How many followers did you have? >> We had a group of over,200. It was it. was a a person and I who ran it together. and I would give monthly talks about how.

successful STRs could be. And so, I had. to do it on my own. >> And how many followers did you have. influencer? >> There was there was 1,200 in the group. It's a Facebook group. So, probably. active out of that 500, but we would. pull a crowd of 100 once a month. I. think that's pretty great. I was a. realtor. >> That's great. >> No. >> Okay, fair. But I was a realtor. >> Sorry, I'm not going to [ __ ] on you, but. I'm not going to allow to let you sit. there and, you know, >> throw balloons and poppers or whatever. >> Yeah. >> Like, okay.

>> Yeah. >> Yippee. Um, okay. So, I don't understand. how. that plays into it. How does that play. into it? In what sense? >> Okay. You were a micro influencer and um. heavy focus on the word micro. >> Yeah. >> Obviously not you. You're like eight. foot tall. But. >> but you're influencing. How does that. play into how you this? Cuz it can't. just be your mortgage as well cuz this. is. >> this is fat. This is a lot. >> I mean I I'm an Airbnb owner and I'm I'm.

basically. >> Wait, you're an Airbnb owner now? >> Yeah. >> Wait, what? Okay. No, hold on. You said. you're a co-host. Now you're saying. you're an owner. Are you talking about. the house you bought for yourself? >> Yes, exactly. >> And now you're Airbnb. >> in a market that is not great. >> Wait, you manage three. >> You manage three of other people's. homes. >> Yep. >> Got it. Let's start with that on the. income side. What do you make from that? The subsidizing your lifestyle of which. you already make a quart million a year. >> Those three homes bring in max 18,000 a. year. >> Yeah. What's normal for a monthly a.

[laughter] monthly thing? What's normal? >> Normal I'd say,000 to,500. That's the. average. It's not a lot. The the only. >> I call 1,200. >> Mhm. Yeah. And. >> are you your own business with that? >> Yes. >> 250. Are you setting aside money for. taxes? >> Okay. Again, why are you broken? [laughter]. >> Nobody taught me. >> No one taught you. >> Well, what about when the government's. like you owe taxes? Is that not teaching. you? Because is this your first year. doing it?

>> How many years have you been doing it? >> M quite a few. So you teaching you the. tax bill came due and then you taught. yourself because that's how it works. >> Yeah. >> What What do you mean no one taught you? Have you not paid your taxes? >> I paid I paid my W2 taxes, right? My. personal taxes. >> Uh okay. And I just got an Airbnb link. Is this for her own house? Okay. What do. you make with that? You said you can't. afford your house. So. >> exactly. So back in May, I finally moved.

out cuz I was. >> No offense. Who the is renting this? >> You don't like it? >> I don't understand why someone would be. renting this when there's substantially. just better houses in Austin. >> It's fair. Okay. >> So, in a. >> Hey, 12 minutes. It's close. It's close. to downtown. All right. And it's got a. pool. >> Close is a That's a hard close. Uh, you're close to the airport, which I. guess is nice, but that's also not. considered a.

>> nice area. Listen, as far as I. understand, I believe our post show uh. for this episode, ladies and gentlemen, will be. at the house. We are going to review the. house and that'll be fun. Really. >> and that's where the post show will be. So, be prepared for that. Click that. join button to join us there. Wingstop. box has been sitting there. >> Don't ask me how I know that it's a. Wingstop. >> Oh, and the uh the fully filled gutters. and the the rotting pumpkin. >> Oh, cuz you don't live here. Who's. spending all the time watering these. plants? >> I have someone come and do it and I pay. 100 bucks a month. >> You budget that in.

>> Spend money on that. >> No back neighbors. >> No black neighbors. >> No back back. [laughter]. >> Okay. Okay. So, what are you talking. about? That house [ __ ] you. [laughter]. How does this house you? >> Um, well, I mean, the mortgage each. month is very expensive and then. >> you have an incredible income and that. is that does not look like that crazy of. Okay. Okay. Mhm. >> your address. Let's take a look. >> I feel like you you you've tried to girl.

boss too hard. >> Yeah. >> I feel like you've tried to girl boss. too hard and you've unfortunately become. >> likeing. dumb tit, dude. This is It's a $600,000. house. I'm not saying that's a cheap. house, but. >> with your income, I don't see what what. are you talking about? What's your. mortgage payment? >> 5,332. like 5,300. And but and I had a subsidy. in the living. >> in that 33%. >> Yeah, but it's all a lie. It costs more. than that when you have everything. together. It's like you have the.

electric, the pool cleaner. >> Oh [ __ ] you [ __ ] But you your your. actual mortgage is in that threshold. that people that we recommend for. affordability 33%. And that's your net. pay. That's not even your gross pay. Gross pay about 30%. >> Which honestly most people can't even. do. Most people get closer to 40%. So. you're in a blessed position where this. is almost 30% of your net. you people are out there not being able.

to do [ __ ] you how are you struggling. with that. >> I don't know my set expenses come to. 11,000 12,000 a month you know. >> doesn't even make sense what did you put. down because right now it's estimating. that 20% down is about a $3,210 payment. >> definitely didn't put that down did not. >> put what down oh 20. >> yeah so I'm a realtor, right? So, I got. that 3% commission. >> now, too. Okay. She's everything. What. have you not Oh, are you a barista? Are. you a tech entrepreneur? Have you. created an app or what have you not. done? Are you AI?

>> I just haven't ever not been broke. [laughter]. >> Uhhuh. >> Yeah. >> Okay. Yeah. I'd be cop giggling to. survive as well. >> All right. Uh Yeah. So, I put down uh. probably about 30 total. >> 30 what%? or thousand. >> thousand. >> Okay. >> So 5%. >> Mhm. >> Correct. >> Okay. Why would you do that for Was this. supposed to be a house for you to live. in or an investment? >> Yes. I I uh you know, maybe I on the. other hand, I wanted to move my. relationship along with my boyfriend, my.

ex. >> Oh, X. [laughter] So, sorry. X. He. didn't make it to the closing. >> Uhhuh. And how tall is he? >> 5'9. >> Oh, you must have destroyed him. [laughter] Crushed. >> You guys look alike, >> huh? >> You guys definitely look alike. I'm not in the mood to be crushed. [laughter]. personally. Some people Some people love. to. >> 5'9. Some people love. >> I'm 5'8. It's just a sho. >> Oh, dude. Your thighs could choke a man. to death. >> Wow. >> So, okay. You're a realtor, an Airbnb. Well, is it program manager?

>> Yep. >> Okay. You rent out your own Airbnb. You. help other people rent out their own. Airbnb B&B. And you're probably a. dominatrix on the side that chokes men. with your thighs. What else do you do? Apparently, cuz I highly doubt you make. money from you being a mortgage, huh? >> Mhm. Oh, wait. Me being a what? A. mortgage? What? >> Sorry. Realtor. >> Oh, no. I don't make anything. Mm-. [clears throat] Yeah. >> So, what else do you do in your infinite. girl bossing too close to the sun and.

getting destroyed? >> No, nothing else right now. >> No. >> All right. Let's see a picture of this. X. If If I'm the X, I got to see. [laughter] it. >> Why' you break up with. >> Oh, it's a long Mr. Hammer. He only. wanted to pay $1,000 a month uh because. that was the going room rate. >> Uhhuh. >> Towards my mortgage. >> Is he poor? >> No, definitely not. >> You broke up with him for not wanting to. contribute much? I mean, I guess I can. get that. [gasps]. >> He is over a million in the market. He's. >> hid you during the entire relationship. >> Yeah, he did.

>> You're hard to hide. >> Similar, right? Like you on a good day. >> Like, >> uh, we both got big foreheads. I mean, I. guess he's similar. I mean, I'm Olive. He's a bit Mexican. Um, >> he's [laughter] not Mexican. >> He's not Mexican. >> I mean, you've got a better hairline, >> huh? >> Your hairline's better than. >> I have a gray hairline. Yeah. >> You're on that finesse ride, too. >> Yes. So, is this Brandon, so don't. worry. [laughter]. >> Brandon's trying Brandon's trying to. grow back after he lost everything. So,

but I just sustained the full head. >> Yeah. So, yeah, the I wanted to him. >> Why did he hide you? How old is that. man? uh 31. >> Why did he hide you? So, you purchased. this for him, even though he was hiding. you? >> I purchased it to move the relationship. along. It wasn't for him, but he. basically. >> That's a weird step in a relationship. I've never personally heard of buying. the other person a house. >> It wasn't for him, right? But it was for. us. And so, he had all these. requirements. He needed to live close to. work. He needed his own room. He needed.

his own office. Right. >> You guys can't rent. You had to buy for. that. >> Well, >> well, >> I wanted to move it along. move. What. the relationship? I don't understand how. buying that. Like you guys weren't. married. Like. >> Well, we had been together over three. years off and on. >> Three years and he hid you. >> Yes. >> What the is that? Why was he hiding you. from his Mexican family? >> Oh my god. [laughter] The Puerto Rican. Close. So close. Um he [clears throat] I. don't know how to say it the right way. Um.

he just didn't uh approve of my choices. and my. >> What choices? I mean, I don't either. You're a mess. You're a disaster. Yeah. Uh, you know, he he basically lost a lot. of weight in the start of our. relationship and he became really. confident. >> Good. >> And, uh, we would have a couple public. fights, uh, in the beginning and then. destroy him. >> We had like a group of church friends, uh, that were very that had certain. views and ways and he just didn't want. me to be a part of that. >> What are you guys gay? >> No, he could be gay. >> He looks gay.

>> Yeah, but it's hot. He's hot. >> He's a good-look dude. >> Yeah, fair. >> Pause. Hammer Elite is free right now, but you got to submit proof of purchase. at hhammerly.com so you can get your $10. digital gift card that covers it. >> Yeah. >> What views did they disagree with? >> Um, >> he hit you cuz you disagreed with views. You had to move the relationship along. You went into a house you can't even. come close to afford. Except you. actually can. You actually can. You can. easily afford this house. You just say. you can. >> I don't believe it. I mean, God, I hate. >> I hate my apartment. I hate it.

>> So, you have an apartment? >> Yeah. I moved out of there. >> What is wrong with you? >> Well, What's wrong with you? You don't. live there. >> Why don't you just live in your house, you dumb? >> Can you pay the mortgage? >> Yes, I can afford it. And so can you and. so can Brandon? >> I would like a new fence and I need. turf. [laughter]. >> And a pool heater. >> Okay. Yeah. Um. >> to live there. >> Yeah. >> You live in an apartment. You don't have. any of those things. >> And I live 4 minutes away in the hood. >> Why don't you. >> Well, yeah. You purchased a house in a.

bad area. Why did you. >> No, it's a great area. Hey, it's coming. up. >> No area near the airport of any city is. a good area. >> Excuse me, but there's a new development. that's like the domain. >> There's a new development everywhere. And that thing is going to be about. 2040. >> Trust me, it'll be worth a million. It'll be worth a million dollars. >> Yes, probably in decades. But why aren't. you living there? >> Cuz I can't afford it. I cannot. >> You But you have it. How often is it. being booked on Airbnb? >> Okay. Every weekend's usually booked. >> Every weekend?

>> Yeah. On average, the better way to. >> close to the airport. You just have. location. And it must be. >> Yeah. And the pool and the size. >> Every every Airbnb I can see has a pool. and nicer houses. >> Oh, come on. It's decorated well. It's. not that old. 2002. It's fine. >> Listen, it's old. It just It doesn't. stack up. >> Yeah, >> maybe the price reflects that. Okay. What's Why does it cost to Fine. WHAT DO. YOU BRING? OKAY. If it's rented every. weekend, what do you bring in a weekend? >> Okay. Well, it go I look at it by the. month. That's the way you got to look at. it. >> Fine. MONTHLY, WHAT COMES IN?

>> On average around 5,000. That's it. >> So, what are you struggling with? Cuz. that makes you break even. >> Well, no. If the mortgage is $5,300 and. then you have the $1,000 in cleaning. fees and then you have the pool cleaner. and you have the electric and all the. utilities. No, you're not. I'm literally. underwater every month. It's at least. $7,000 to run it. >> Then why do it if it's extra cost? You. would make more money living there cuz. you also have the rent of your own place.

on top of it, which is what? >> 8.40. >> $8,400. >> $840 freaking dollars a month. I live. with a roommate. >> You don't have to. This is so I'm sorry. [laughter] I I I am sorry. I'm sorry. This is. >> I signed a seven-month lease with a. friend to get out of debt cuz I was. >> No, no, that doesn't make any sense. though because you still have your. mortgage. Yes. >> Okay, hold on. Can I whiteboard here? I. need to I need to draw this out cuz I.

think. >> I think she's. You were destined to be an elementary. school English teacher. That's what you. look like and that's what you should. have stuck with. You tried to girl boss. way too close to the sun. >> Way too close to the sun. My parents and. you don't know what the you're doing to. save your damn life. >> Fine. >> Okay. What's your mortgage? >> Okay. 5300. We're just going to say. 5,300. >> Okay. So,

[laughter]. >> okay. >> You're a big giggle. >> Your lines are a little crooked there. >> It's just a squiggle. >> Okay. Sorry. And 5,000 comes in. >> Yes. >> So 5K in. >> Mhm. >> out is 5,300. And what does it cost to. maintain? >> Okay. >> What? Yeah. What's the cost to maintain. the house for the Airbnb? >> Cleaning fees on average are around. 1,100. >> total.

>> per month. >> Total per month. >> 1100. >> No. Everything. >> Oh, everything. >> Is that it? >> It's anywhere from It depends on the. number of turns, right? Cuz you're. paying 100. average month cuz you gave. me 5,000 is what comes in from an. average month. So what's the average. month? >> 7,500. >> in total. >> That's what it cost me. >> That's not including the mortgage. >> That's including the mortgage. >> No. No. No. Okay. So on top of it is. then. >> 2,200 on top of the 53 to run it. >> Okay. Is that including utilities? >> Yes. >> Okay. >> Supplies, utilities, cleaning. >> Okay.

>> Plant watering 100 bucks a month. [laughter]. >> What is wrong with you? And what is your. current rate? 800. >> 840. >> Let's talk about student loans. I know. it's something we all avoid talking. about, but if your private student loans. are crushing you, Y refi might be. exactly what you need. They don't rely. on your credit score alone. They look. for borrowers who have the desire and. the ability to repay. That is a gamecher.

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both. >> Audit breakdown. >> If we still don't with people like that. like he is a next level. >> and hammer it out. [screaming]. >> Put discipline into your budget. That's. what I was. >> Plus, you'll get access [music] to. Hammer Elite Day on January 31st. No. other channel offers [music] what Hammer. Elite provides. Join with the link in. the pin comment or description below. Submit proof of purchase [music] at. hammer elite.com and we'll reimburse you. for your first month with a $10 [music]. digital gift card that can be spent.

anywhere in most countries. Sorry, North. Korea. This isn't for you. >> 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. Uh, okay. I guess the you're over complicating it, but I guess the math does.

work because when you said that $7,000. or $8,000, I thought that was on top of. >> Oh, no. >> So, technically, you are spending. less. >> Mhm. >> Here is your difference. So you are saving about that much. So. okay 5,300 plus 2,200 plus 840 are your. expenses but minus the 5,000. that brings in you're still.

losing 3,340. but [laughter] that is less. >> Yeah. >> But that is less than the 5,300 plus. whatever utility. So technically. technically it works. >> It's justing stupid. Why not just sell. the house? >> I won't I won't do it. I won't do it. And see how like I'm trying to subsidize. to pay off the debt cuz I had so much. credit card debt. That was the idea. And. then I thought.

>> why not sell the house? >> I thought that I could move back in once. I paid off the debt. >> Why not sell the house is the question. cuz you said I will not. So why the. >> I want to hold on to it. I. >> Congratulations. I feel like it will be worth a million. >> What's your purchase price? >> 635. Uh, I saw that 600. >> Yeah. Worth about 600. So, never mind. That would be why not. >> Yeah. >> But even writing a check, even writing a. check, getting a $1,500 rent,

>> like you would make it back relatively. quickly and then you would be just. making. you'd be making the difference and. better at that point. >> You're like long-term rented. Is that. what you're saying? >> Mhm. >> What are you saying? Long-term rent. >> No. If you sell it, write a check for. what you lost, which you'll be writing. like a $20,000 check with the money you. make by renting $1,500 place. You make. that up in a couple years, and then at. that point, you're just golden, making. more instead of holding on this house. >> Yeah. >> So, I just don't I don't understand this. house. Is it really an opportunity for.

you? Sure. Multi- decades. >> I got it at a huge deal, though. So, it. was originally. >> What are you talking about? >> So, it was originally listed for 750 and. uh it was You got it from market. You. got it from market. >> Come on, realtor. You got it from. market. I got it. >> Come on, realtor. You got it from. market. If you bought it from. >> It had rats. It had rats. I got $100. discount. >> For market. >> No. >> If you and the seller came to an. agreement that is for market. You didn't. get a discount. >> I got a discount. >> Does it still have rats? >> Perhaps we did. They just killed four of.

them today. >> Who's they? So, when [laughter] we go. there later, there's going to be rats. >> No, no, no. They they I made sure that. they came before you arrived today. >> [laughter]. >> Yeah, perhaps you know the the work that. they did. >> today which is Wednesday, meaning people. stayed there this last weekend. >> Yes, >> but I have all five star reviews. Just. hit 21 five star reviews. >> How? >> How? What? >> I actually lost my biggest booking back. in October like for ACL. Um a rat chewed.

through the wiring for the AC. >> Oh, >> the AC went out and they walked out. >> You're broken. Just stop. >> Okay. Okay. >> Just just stop. >> Okay. >> Okay. So, you bought this disaster. that'sing you in every way whatsoever. that technically you can afford. So, I. don't understand how this has ruined. you, but you did this to move your. relationship along of a guy that was. hiding you. >> and then you broke up with Okay. So, how. long did you own this house before you. broke up? >> It was It's always been an off and on. thing. He'll come back for 3 months.

He'll go away disaster. >> And when was the last time he was in? uh. this summer when I didn't have any money. to I I had to move out of the house and. I didn't have enough money to afford a. place to live. >> So you went back to him. >> Mhm. >> So he didn't come back to you there. You. >> I went back as a friend. >> A friend that definitely. >> Of course. See, exactly. Come on. We. know things. We know. Well, you have a. vagina. He has a penis. And you guys are. attracted to each other. >> That tends to happen. It's weird how. that works. And also you guys dated at. this point. You also saw him this. weekend. >> H perhaps.

>> Did you? No, we Yeah, there's a. >> good cuz he has a girlfriend from my. knowledge. >> No, he doesn't. Definitely not. >> Oh, he's dating someone new, but like. it's casual. It's casual. I mean, God. >> Oh, he [laughter] broke up with you. You. didn't break up with him. >> It's a back and forth. >> He broke up with you originally during. escore. Escrow. Yes. >> He didn't break You didn't break up with. him. He broke up with you. >> Oh, so he was hiding you. You buy this. house to move your relationship along. Then he breaks up with you in escrow.

>> Yeah. >> Oh my goodness. Why are you even. allowing to go back to this this. [laughter] guy? >> He gives this theme of hope. It's always. like, you're so beautiful. I just need. How many times does that happen? >> Oh my god. More than I can count. >> Then why can't you learn? Gold boss. >> He's so convincing with those nice lips, you know? He has your eyes. I just. really. >> I just have normal brown ass eyes. [laughter]. >> They're kind of hazelish. No, >> in this lighting. Yeah. >> You don't have They don't have the same. effect on me. It's fine. [laughter] I'm. not trying to seduce you. You're.

ancient. [laughter]. >> Okay. Wait. I got a question though on. the boys. Wait. Do you pay for your Do. you believe in paying the bill for the. people that you're dating? >> What bill? >> Like for dinners and dates? >> I mean, I do. It's not like a hardcore. core belief. >> Yeah. >> I mean, my philosophy has always been, and I'm about to get [ __ ] on in the. comments, cuz I was [ __ ] on in our. membership when we talked about this. >> He's cheap. >> No. If I go on a first date, >> Uhhuh.

>> I will pay if I want another date. If. it's a bad date and I never want to see. them again, >> I can't with you. >> I will try to have them pay for it, but. I will at least split it. >> If it's a date where I'm like, I don't. want to date them again, but I'll let's. have some sex afterwards, I'll split it. >> You're an [ __ ] Ken Dejo, >> why? How's that an [ __ ] [gasps]. >> I mean, wow. >> So, that's adults taking care of their. own bills. You're going to pay $25 to. have access to me. I just feel. >> Well, so you think people pay to have.

[laughter] sex with you cuz. >> I mean, yeah, you'll buy my dinner if. you're going to then. >> Well, you're a pro. See, for me, I think. two consenting adults are and to and. taking care of their own bills. >> Okay, you're right to have your own. opinion, but what about long term? So, let's say like your boyfriend, girlfriend, what's your money? >> Yeah, congrats. >> Well, thank you. But that's where I am. right now is what I'm saying. So, >> but what's the money philosophy there? Well, I just take care of it cuz I'm. objectively the bread winner due to my. position.

>> Fair. >> Um, so it just makes sense. But like I. don't really care. >> Okay. >> I I would split it if she wanted to. I'd. let her take care of it if she wanted. to. I don't really Who gives Why is this. like a core value? You're not, you know, we're not courting anymore. >> That's fair. That's fair. He was a 50-50. guy no matter what. No matter what. dollars I had. Yeah. Always 50/50. >> cuz you eat a lot. Like [laughter]. >> and he charges interest on the money he. loans you 10% if you don't pay back. within a month.

>> I like this man. Bring him in. >> Oh god. >> I would rather talk to him instead. >> Wow. Yeah. Okay. >> No, no, no. You're good. You're fine. You're fine. Oh, he used to meet you to. do financial audits. >> Yes. >> And yet you're still like this. >> He's helping. It's getting better. >> No, I think this is because you're an. independent girly and the one time his. suggestion. But one time that a dude. mansplains to you, you're like, "Let's. just make it worse cuz I don't want to. follow what he says." I read that vibe. with you. >> Yeah, you're pretty right. >> Yeah. >> Mhm. Yeah. >> That hasn't helped you.

>> Cuz personal finances are easy. >> It takes a while to get to the. complicated [ __ ] The mortgage [ __ ] that. can get kind of complicated. Most. personal finance [ __ ] is pretty easy. If. you just if he just if you feel like. you're getting mansplained to him and. then you're like, "Well, I'm not going. to [ __ ] listen to this guy.". >> [laughter]. >> You're just going to yourself over cuz. it's really easy. It's all simple. >> It doesn't feel simple to me. I've done. I've been in this situation. >> Maybe you shouldn't be girl bossing. because it's literally the most simple. [ __ ] in the entire world. Budgeting. It's like so basic. You can learn it in.

5 minutes. >> No. It stresses me out every week. I'm. like freaking out. I'm like, I don't. know what the heck to do. >> Then I don't think you should be a. program manager if you can't handle a. couple numbers on a paper. I mean, budgeting apps like dollar-wise, it's. all automated. >> I get all excited and [ __ ] That's like. I I don't know. >> Okay, none of us want to see that. But. [laughter]. I'm like I I don't what. >> it just seems like there's never enough. no matter how much I make. >> Well, cuz you're a [ __ ] with your. money. You don't sit there and actually. budget it. If you budget it there, you.

certainly have enough. Especially with. Okay, so let me know what comes in. What. was spent last month? >> I'd have to check. >> What do you think was spent last month? Put yourself in. >> 13 to 14,000. Yeah, it was $28,941.75. >> No way. >> Yes way. That's not a man's plain. number. In fact, the accountant who did. this was a woman. >> Oh, [clears throat] wow. >> Oh, wow. She's surprised she's sexist. [laughter]. >> Girl, we live in 2025. Girls can do. numbers, too. Just cuz you can't, others.

can. >> Okay. Okay. >> Usually that number is 70 cents on the. dollar, but. not my problem. >> Okay, fine. Oh, we don't do that here at. Hammer Media. In fact, I'd say the women. make more. >> Really? >> No. Come on. >> Huh? >> Yeah. Really? >> Well, yeah, but that's because the women. that work here tend to be in the more. like skilled and demand positions where, you know, >> Yeah. >> Mr. Mark over there is making pennies on. the dollar cuz he's a little contractor.

Love you, Mark. Hi, Mark. Say hi to the. camera. >> Contractor. Yeah, we can relate. Yeah. >> Here he is. Here's our little pennies on. the dollar boy. Here he comes. All five. foot two. Okay. So, what do you think your. financial score is? 0 to 10. Zero being. the worst finances ever, 10 being the. best finances ever. >> One. >> Okay. If you want your financial score, it is free to take the assessment. Only.

takes a few minutes to see where you. stand in the world of money at. cayper.com. See what you got to do to. improve your situation, where you'reing. up, where you're doing well. And if you. don't want to be like a guest who ends. up on the show, again, it's not. complicated [ __ ] Just download the. Dollar Wise budgeting app. Take the free. trial to see if you like it. New. features being added every single month, tens of thousands of subscribers for a. reason. And then if you like it, you can. sign up for the annual version to save a. lot of money. And I will personally sign. my budget friendly cookbook and mail it. directly to you. Dollarawise.app. Caleb.com. All those links are below.

All right, let's jump in cuz this is. going to take a second cuz Oh, we're. This is a lot of paperwork and you spend. beyond way more than you bring in. It's. not even It's not even comparable. I. don't even know how you exist. It's. insane. Okay, so here we go. Pass. through. Why am I seeing pass through on. your mortgage? >> Well, you know, I was unemployed. >> Huh? When?ch? March to July. >> And you just got employed into a. declining. >> Mhm. >> not only company but market as well. But.

what were you doing before that? >> I was a program manager at a different. tech company. >> What tech company? And you got laid off. at a company that is actually growing. >> Well, >> and now and now you're at that. >> It was a dream job. [laughter]. >> Sure. I'm sure. >> Yeah. I'm a contractor though. >> That's not layoff. They just didn't. renew your contract. Well, is that. >> Wait, are you a contractor right now? >> Wait, when did your contract end? >> January 31st. HERE'S ALL [screaming] THE. YOU have all these bills in the OH, YOU.

CAN'T PAY IT. WHOA. WHY WOULD YOU GET A. HOUSE? YOUR CONTRACTS COME TO AING END. OH, what are you doing? WHAT ARE YOUING? WHY? WHY? WHY? WHY? WHY? WHY? WHY ARE. YOU DOING ANY OF THIS CONTRACT CONTRACT? OH, [screaming] ARE you W2? >> Yeah. >> Oh, why are you doing any of this. contract? YOU HAVE AN END DATE. YOU HAVE. A END DATE. OH, GOOD LUCK with the. renewal. Good luck with the renewal of. Airbnb. Airbnb. GOODING LUCK. OH, WHY.

ARE YOU GETTING INTO ANY OF THIS [ __ ] IF. YOU'RE A CONTRACTOR CONTRACT? OH, what. are you doing? >> Fair. [clears throat]. Okay, >> fair. How about YOU TELL ME WHY? I WOULD. HAVE I'd have a one year. If I was a. contracting, I'd be a one year emergency. funded a minimum before I went in any. kind of debt. Oh, [screaming] WHAT DO. YOU GET YOUR AIRBNB? YOUR. >> emergency fund. When I bought the house, it's just all gone. >> And how long was that emergency fund.

with your mortgage included into it? How. long would have it have lasted? >> 6 months. >> [ __ ] [screaming] [ __ ] YOUR. MORTGAGE PAYMENT. You had what was the. number you had saved up? >> 70,000 after I paid. I had about 100. grand. >> How' you this? How' you this? You. weren't unemployed for 6 months. >> I was depressed. I was hungry like you said. >> Well, which one was it? Depressed or. hungry? Oh, >> [ __ ] Depressed. You. Everyone says. they're depressed. Until I get a. clinical diagnosis. I don't believe that.

[ __ ] anymore. >> You had a sad day. We all do. >> Mhm. Mhm. >> What? Cuz Mr. Mexican left you. >> Yeah. For the 10, >> bro. You're behind four months. >> Mhm. I'm in a more [laughter]. >> works for Airbnb. Has an Airbnb. Four. months behind on her Airbnb. Contract. ends in two months. >> You said January, right? >> J. End of Jan. So three 3 months. >> kind of I'd say two and a half. >> I have option for renewal. You know. >> you have the option or they have the.

option. >> Well they have the option. [laughter]. >> IT'S IT IS A THEY ARE DOWN 10% this. month. You know how stock prices go up. when companies AREN'T DOING WELL? LAYOFFS. >> I'M STILL GOING TO GET THAT fulltime. offer. I'm going to get it. >> Mhm. >> Just like you did. >> Oh sore spot there. Sore spot. [laughter]. >> It just happened. It's a it's a prime. example of how this works. Sore spot. You sore spot. You don't know what a. sore spot is. That justing happened. That is reality. That is what your type.

>> Can you cover the mortgage? >> You what was your job? What was your job. when you got this mortgage? >> I was a program manager at Meta and I. was making the most I'd ever made. I was. like I make it. >> I make 130 an hour now. I was making 90. an hour. >> So almost 200. >> All this privilege, all this. opportunity, all this [ __ ] And you. >> youed it off. I had a plan. >> No, you didn't. You blew your emergency. fund on hunger. >> So, >> and assets. >> That's our plan. Assets. What assets?

>> Yeah, just things. Things. >> What? >> House. >> No, you said you had 70,000 left after. the assets. So, where did it go? What. assets? >> There was some trips. >> That's not an asset. >> Some purchases. Some personal. >> What did you purchase? Personal. Okay. What was your personal purchases? >> Plastic surgery. >> [laughter]. >> Oh, >> no, no, no. You You do look good. I'm. just like I'm trying to figure out the. cuz usually plastic surgery you can like. kind of see.

>> Mhm. >> Uh okay. Maybe we'll learn as we go. along. >> Can you turn to the side? >> Mhm. >> Oh, your nose wasn't done. [laughter]. >> No, you have a bump, but it's not bad. Bumps aren't bad. We We like a good. bump. That's a natural nose. >> But you definitely don't have a nose job. cuz it would be a perfect nose. And you. don't have a perfect nose. I don't even. like perfect noses. Like it's just so. annoy. It's so fake because you know if. you someone with a perfect nose and then. a baby comes out, that baby's going to. have a nose. >> Fair. So there were some asset. purchases. Uh and like.

>> purchases I don't think [laughter] Do. you know what the word asset means? Did. you do Is there anything tangible that. you can sell? >> I'm trying to, you know, meet my. husband, right? And my my mom always. said, you know, once you get them done, you're probably going to meet the love. of your life. >> Oh, are they done? [laughter]. Are those done right there? >> I don't know. >> They're not even on display. What's the. point of even purchasing? >> I didn't I wanted to be polite to your. girlfriend. >> I don't think she has to be worried. [laughter]. >> Oh, you're ancient. It's okay. This is.

It's a. >> How old are you? >> 30. >> Oh, okay. Yeah. I'm like your grandma. >> Yeah. >> So, the tits, >> how much were the tits? >> 14ish,000. >> Mhm. >> For titties? >> Yeah. They were natural. They had it was. a premium price for premium premium. >> They're not natural. They're fake. >> But they're as natural as natural could. be. How. >> are they silicone? >> No, it's actually a new kind that is. It. It mimics natural tissue.

>> Good. Cuz I hate every time I the fake. feritus. I hated it. >> You wouldn't know. >> You wouldn't know. I'll let I'll let. someone else [laughter] vouch for that. >> Ah, just fake boobs. I mean, they look. from afar, but up close, it's just like. you're just kind of feeling this. You're. like, >> that's why it's a premium price, you. know? Like, you probably only got like. the $5,000 ones that you've touched. You've never touched 15,000 ones. >> Yeah. Well, the one I touched had breast. cancer,

so that's why she got them. >> I'm just going to have some coffee. >> Now, how do you [clears throat] feel? Mhm. >> Excuse me. I'm busy. >> So, 14,000 for tits. >> Yes, sir. And that was in December of. last year. And I my contract was ending. in March. >> And you can always see because I got a. little scar right here. You do a little You're like, >> "What's this?" That's how I check. >> on the third date when you split the. meal, right? Or when you pay for the. meal. >> Third? >> No. Second. >> Second.

>> Third. >> I don't know. I haven't been single for. a long time. >> I don't think people wait till the. second date these days really. >> Unless they're Gen Z. They're very. antisex. They're very antisex. They wait. generations until they. >> in a church community. So, it's a little. different. Yeah. >> Ah, yes. >> Mhm. >> My favorite thing that the churchgoers. do get big fake tits for the. congregation. >> for Jesus. >> Okay. >> When did you get those? Those uh those.

>> them? Oh, yeah. They back in December. >> They're almost a year old. >> Okay. >> Mhm. >> Oh, that's right. when a contract ended. >> Uh yeah, I had a couple more months. >> 14,000. >> Mhm. >> So someone is this What's this new. material? >> What do you mean? >> What is this new material that we are. making tits out of? >> Oh, it's called Motiva. It's a gel-like. >> Sounds like a weight loss drug. It's a. gel and that feels natural, [laughter]. too. >> So someone in Austin's just injecting.

Motiva into people. >> Well, no. It's it's a it's it's a. structure and they put it in there. Yeah. But it it's gel-like and it it. mimics like how tissue would move. >> Where do I go in Austin to experience. this? >> You can I name the doctor? >> This is where you went. It was in. Austin. >> Yeah, I was in Austin. >> Oh, >> yeah. She's excellent. >> Okay. No, no, no, no, no. >> Okay. >> Uh but. Okay. Okay. Yeah. Four payments behind. in a mortgage. >> Mhm. >> So we can get things like fake tits and. more plastic surgery and you've blew. So.

70,000 emergency fund. Now we can't pay. our mortgage. And he got fake tits. That's what you. did with your emergency fund. Fake tits. >> Did you Did you BBL? >> I mean, not then. >> You have a BBL? >> I mean, where else would that come from? The thick thighs. >> Oh my. I see it in your face now. Now I. see it. You got them fake lips. Finding. a doctor you actually like. Well, I need. one for my injuries. Ignore that. But.

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Thanks to Zakdock for sponsoring this. episode. Let's get back to the show. That's kind ofing stupid, I'll be. honest. But what's not is actually. getting a checking account that gives. you free money. Free money. We like free. money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use, Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it.

out. Link in the description below. Sign. up for time. GET THAT $350 RIGHT NOW IN. YOUR checking account. >> No, it's been a bit injection. You got. something. There's something happening. >> Nothing here. These have been. >> There's something going on. >> Just a smile. >> Botox. >> No, it's I I stopped in March. If I'm on. a budget, look. See, that's. >> Yeah. Uh BBL and Colombia. Only two. grand. Very affordable. >> In where? >> In Colombia. >> You went to Colombia? >> Yeah. I used to live there. Mhm.

>> What are you're everywhere. This is so. confusing. And yeah, all of this blowing. our emergency fund on it. Even if it's. cheap, you blow your emergency fund on. it. And then now you're four payments. behind on a mortgage. What the are we. doing? Wait, you went to Turkey in March. this year? under your contract for lipo. You're not fat. >> They wouldn't do it fat. >> Yeah. Well, I I'm I'm a little bit. lighter, but they actually wouldn't do. it. They said I just need to lose. weight. >> Well, yes. >> Yeah. But look, see, I'm sad.

>> That's why you wanted life. >> Yeah. >> Turkey wouldn't do it. >> No. I went with a friend to accompany. her for a nose job, so she got that. done. >> What is this? The circle you're in? You're in the just fake. You're fake. This is This is again why I will I. refuse to reproduce with people like. you. >> What you think is natural is not. natural, sir. >> Exactly. Well, actually, my girlfriend's. all natural. >> She's a select few. >> No, I'm just saying I wouldn't have sex.

I wouldn't reproduce with someone like. you cuz the child is going to come out. ugly. Oh, [laughter]. no. Because you often times all these. people that are super fake, they came. from something that wasn't that great. >> that you're hiding, which means the DNA. is not going to be fixed. [laughter]. It's. >> But looking at me, you wouldn't go, "She. looks fake.". >> You have etched abs. >> Yeah, but looking at me, >> wait, wait, wait. You have fake abs. >> Yes, but looking at me, I have a natural. look, right? >> Can we see them? >> No. >> Yeah.

>> Can we put the picture on screen? >> Yeah. >> Okay. Okay. >> You want You want me to pull it up? >> I. >> Oh, you have it from Instagram. >> I have one from Instagram. Okay. When. you were. >> Oh, I got to see this. What did you. spend on fake abs? >> No, that was that was included. The BBL. is you get the etched abs and you they. put it in the behind. >> What is happening? What is happening? Why do you want to live this way? >> Your emergency fund on all this fake. bodily [ __ ] and now you can't pay your. mortgage and you're four months behind. >> Yes, but that's why there's mortgage. >> BBL over mortgage. Mortgage assistance.

programs are meant for this. >> What? You make so much money. How do you. qualify for a mortgage assistance. program? >> It's just how it works. >> Do you? What's their mortgage assistance. program? >> Um, I actually have the paperwork. downstairs. >> What is it? What have you signed up for? >> So, you just like you call the bank and. you're like, "Hey, I can't pay and this. is my situation. I'm unemployed." And. then they go back and look at it. And. then while they're looking at it, you. actually don't have to pay for 60 days. cuz they're reviewing your account. >> Oh my. But you're on like 120. >> What do you mean. >> days? >> Yeah. Well, no. Okay. So then you enter.

into the mortgage assistance program and. there's a few options and then they give. you a trial period. So then um. >> here's the fake abs. >> How do you What do you think? >> Why? I don't get it. >> It looks fantastic. Which picture did. you show them? >> The red bikini. >> Oh yeah. I was a little thinner then. That's what four years ago, 5 years ago. >> So how do fake abs work with getting. fat? >> Well, I think it's going to be an issue. when I'm pregnant, right? Like you're. basically going to have abs over your. >> Are you doing that? >> I mean, not at this moment. >> Don't you Aren't you tick tick clock? Yeah, but it's more in modern times. You.

know, down in Argentina, they don't have. kids. >> Are they somewhere? >> Are they. >> the eggs? >> No, I don't believe in that. >> But. >> hey, I'm going to come back pregnant. [laughter]. >> I hear you. I live a healthy life. >> And also, but. >> I don't know. Everything's fake. >> I don't think that it affects. reproduction. >> No, we don't know what is what you have. done that is healthy versus what you. have done that has been like taken out. and implemented and Okay. Um, and who. the are you reproducing with? Cuz this. guy just keeps coming and going and he.

already has someone now. So, >> wasn't it what's his name? Brian. Brian. Who Who's going to be my. >> Come on over, Brian. >> Yeah. So, my dad's around 700,000. [laughter]. >> Here's. Brian. Her her future reproduction. >> Interesting. Hi, Brian. >> Hello. >> Hi. How are you? >> Doing great. >> Nice to meet you. >> Nice to meet you. >> He's a handsome guy, isn't he? >> Hey, you're pretty cute. >> Thank you. See, you don't feel. uncomfortable anymore now, do you? >> 5'11. Oh, I'm I'm into that. Six STE on. a good day. >> Yeah, absolutely. More platforms for. you. >> Thank you. >> Look at her not remember when she was a.

victim who was [laughter] uncomfortable. earlier. >> Disgusting. >> I know. Annie's going to pay off my. debt. Actually, I can we would love to. raise money from the audience. >> No. >> Please help me. >> I will literally murder you before I. ever allow that to happen. Literally. murder. >> Have good intentions. >> Disagree. Okay. So, let's see. And the. house is 7% right. It's not great. >> I had a buy down. >> You bought down to seven. >> The seller paid for it. >> Okay. So,

>> it was a 21 buy down. >> When did you get this house? >> May of 2024. >> Why'd you say it? Like your. >> I don't know. >> $596,161.96. with a normal minimum payment of. $5,836.89. You owe $23,300. to catch up. >> Yes. And so, but I finished the mortgage. modification. I made it through the. trial. So, right now, I'm I I'll be able. They will put that debt at the back of.

the loan. >> This is so stupid. So, you're going to. pay more in interest. All for BBLs and. fake debts. Well done, ladies and. gentlemen. Our culture is incredible. The future of civilization is. >> But you're you're telling me I can move. back in? I can move back into the house. can afford it with your money. You are. unfortunately an absolute mess and. disaster. So, I don't know. We need to. look at the rest of this. >> What is this? What am I looking at? >> Um, that's the patient f. That's what I owe.

for the boobs. >> They're financed tits. >> Only half. One was paid. I paid half. That's the other half. >> And if you default on this, do you do. they take it back? >> I don't know. >> And you just have one dangling? >> I'd have to call. I don't think Brandon. will do it if it's just one. He loves. fake tests. Oh my gosh, he is just the. biggest. But. >> mine looks so natural, so it might not. be his style. >> We don't know. And I also don't believe. you. >> I've only been with I think three or. four fakes.

>> Yeah, >> cuz I really don't go for that. traditionally. And um never liked any of. them. >> Fair. >> Even the cancer one. [cough and clears throat]. >> Sorry. Sorry about that. >> What people get cancer. >> there. That would be really sad. >> Sad. >> Yeah. >> So, this is boobs. >> So, boobs. What interest rate are boobs? >> Oh, I have no idea. >> it was interest. >> Why didn't you click the details tab of. the screenshot that you sent me? You. could have found find able to pull this. up on your phone.

>> Yeah. Yeah. Yeah. >> And I want you to click details. >> I thought about paying it yesterday and. then I just. >> Why? >> Well, you're buying on your mortgage. You're dumb actual beast of a creature. I mean, >> no, this is this is insane. Like, this. is absolutely insane. $192.50. payment on one tit a month. You owe. $6,38. Paid a,000 so far. It's soing stupid. This is.

>> Okay, I've got it open. You want to look. at it? I don't even know where to look. >> Push the detail button. You absolute. insane. >> animal. I'm looking. billing statement. They don't make it. easy. I swear. >> I'm excited for us to show this Airbnb. in the post show. And Lindsay, myself, and the cameraman will leave and allow. Brandon to stay there with you. >> Wow. >> And that'll be. >> only after the payments made on my debt. >> That'll be in the post post show.

>> I'm requesting 20 grand. >> Give me [laughter]. I don't know where to find the interest. rate. I've got. >> Just give it to me. >> Okay, >> lady. >> I have the dock open. They don't have. it. Listen. >> Are you a natural blonde? Cuz you're. acting like it. >> No. Look at this. I haven't had it. colored in. >> Exactly. That's what I'm saying. I don't. know how you're being such a stupid. >> We are looking. >> Why can you not give it to me? >> I don't see it. It's literally not on. here.

Oh. Ooh. I found it. 17%. >> [screaming]. >> 17% on a single title. titty. They're not even on display. What's the. point? 17% and they're hidden. It's. like, what are we even doing? If I had a. 17% interest rate on my tits, they would. be everywhere. They'd be everywhere. Instead, guys, these are just free. >> I think I need a new career.

>> I'm not saying people will pay for it. You chose to do that yourself, lady. >> Yeah, it's pretty low. >> I guess she brought another outfit. She. brought another outfit just in case. A. tube top. I don't even know what that. means. [laughter]. >> Just in case she wanted toing boob it. out. >> I thought it would help donations. [laughter]. >> Cute donations. Q donations. Imagine having a 17% debt. on a singular tit. Hey, at least I paid.

for the other one. You know, I own one. [laughter]. Thank you. Thank you. Thank you. [snorts]. >> Planm card. >> What is going on with this? This is. insane. >> Well, nothing's been going on since. April. >> April, you've had a good You make so. muching money. You privileged. What is. wrong with you? People are out there. struggling. You make so muching money. doing so many things and you just.

You you are there is something seriously. wrong with you as an individual. >> It's on a payment plan. I feel. brilliant. >> You said nothing's happened since. >> Yeah. So I I figured out that you can. call and you were like I'm broke. I. can't pay. >> You're not though. YOU'RE NOT. [screaming]. >> YEAH. Then they lower the interest and. they give you like x amount of time so. that you to pay it off. >> till that interest goes back up again. Huh? >> Yeah. I brought it with me. I can't wait. to use it again. [laughter]. >> Said 10%. It's not good. It is obviously. better than the like 25 that it would be.

>> cuz I've already had it shut down once. before. >> Shut down once before and you reopened. >> Yeah, finally they let me. >> What is wrong with you? Why do you need. this? Why do you need to be a credit. card person? You're not. You're a [ __ ]. You can't do. >> What are you doing. >> for the points? The lounge. >> What does a program manager do? >> We um we seem actually stupid. >> Thank you. I really appreciate that. That actually helps me do my job better. >> Being a program manager, what do you do? But the dumber I seem, right, the better. my my job goes.

>> How many did you suck to get this job? >> Zero, actually. I only applied 40 times. >> Well, yeah, that's normal. >> Yeah. >> Okay. Yeah. What do you do on a. day-to-day basis? >> Uh, well, I'm responsible for two. things. So, I'm I'm helping a new. feature launch on the app, right? And. then the second part of my job is change. management. So, I'm helping change an. entire org. >> They trust you with this. Yeah. Yeah. They don't have any idea about this, [laughter]. but on the outside it looks great, right? I own an Airbnb. I used to have.

an Airbnb community that you said is. nothing. D. >> I guess. >> Yeah. Hopefully I get a job at the end of. this. >> Yeah. I hope. Obviously. I hope. I don't. want you to die. But my goodness, like. this is insane. You make such a good. income yet you do all this. So stupid. >> Why am I broke? >> Huh? Why am I broke? >> Have you heard this conversation so far? >> I heard what I wanted to do. >> You are not a credit card person. You. don't need to use a credit card. Use the.

Fizz card. It's a debit card that builds. credit. You can't spend more than that's. in your checking account. >> What the is going on? This makes no. sense. >> It was such a big deal that that was. like I had no limit before it was. locked. >> Yeah. >> Is it locked now? >> Oh, yeah. >> Good. You can't spin on it. Thank. >> Yeah. Now there's a limit. >> This is insane. Just $13,72156. minimum payment $379. Four years to pay. off minimum payments only. Surprise.

What? When you were in Turkey, they. didn't even do the surgery, but she. spent $5,000 on the presidential suite. >> I Yeah, my friend was recovering and her. provided free hotel by the airport was a. dump. And I was like, you know, >> it's Chery. No [ __ ]. >> I was like, it I will let's just stay. somewhere freaking nice. I know. It was. so expensive and we still had to share a. bed. We didn't even get our own rooms, so no free breakfast either. But, you. know, we did get like a bottle of. champagne and late checkout.

>> Oh, wa. >> It was worth it. >> Check out bottle of champagne to enjoy. when you watch the next coup happen. >> Her nose looks great. >> Yeah. And now she's going to reproduce. and the child that comes out is going to. have a up nose. >> That's an interesting way to look at it. Can't the child just get a nose job, too? >> It's fake. You're setting you're setting. up your potential mating partner for. fake DNA. >> Maybe. >> you're an ugo. >> Okay. Maybe you're his genetics future. him Brian's genetics will be stronger.

than mine and they'll get his nose. >> Your nose isn't bad. >> Yeah. >> But I'm just saying if there's an ugly. person and they become completely fake, what they produce is still going to be. ugly. >> But that's why we make more money to be. able to fix it. >> A bump in the nose isn't fakes. If you. get if you got full Jun nose, like it's. not like that's necessarily a bad thing. >> Yeah, >> I don't think so. In fact, have you seen. the Jews? >> Oh, yeah. >> Dude, their tits are incredible. Like, ladies and gentlemen, kuners out there. unless you're like unless you're like. chronically online and you like despise.

the Jews right now. It's like go look at. those tests. >> I dated a bunch of them, but I could. never get them to like propose to me. >> Why do you call them? >> Oh, excuse me. I have dated a few Jews. in my time. Um, but then we would I. actually walked out on a guy once. I had. this boyfriend and uh he didn't want to. pay the 50 cents for the avocado. So, I literally ordered the avocado and. took my meal out and left him there. >> Well, I don't know about Jewish guys, but Jewish girls got the titties. >> and the beautiful curly hair.

>> Yeah. Yeah. Yeah. Yeah. >> I guess I missed out on the jean pool. I'm half Samoan. >> Going back to a Mexican guy. [laughter]. >> My dad's Samoan over again that already. has other people. [sighs and gasps]. Yeah, this card's dude and [ __ ] ton of. fees this year so far. $833 and $2,000. of interest. >> Wow. I didn't even know. >> Oh [sighs and gasps] man, you know, I I. didn't even think about this cuz here. here here's the reality cuz um I uh you.

know, I make jokes about every group and. sometimes the Jews are included in that. group because I make fun of every group, but I just complimented them so much. >> Are you Jewish? >> No. >> Girlfriend? No, but I I just. complimented them instead of making fun. of them, telling talking about how good. their tits are. Usually creators get. paid to talk good about the Jews. I. didn't even collect the check to say. that. That's such a missed opportunity. We should reach out to the Jews. Jews, if you hear this, business.com,

I will take the check and I will. congratulate your tits even more. Shishkas, >> I don't know what that meant. >> It's like white girl. >> Do they like the white girls? Not to. marry. the [laughter]. >> move on. >> I don't know. I don't know what they do. these days. >> Uh, Apple, >> what are you doing with the apple? $3,515. >> Mhm. >> Okay. With minimum payment $103. >> I haven't been able to use that in. months. >> Good.

>> Why not able to? >> I haven't had the money to pay it down. >> Well, that's bad. But why? So, why why. do you think to use it? Why is it like. an exciting thing to you to be able to. use it? The moment you put any money. towards it, you spend it. Why? Why is it. so exciting? >> I don't know. Like I just That one was. usually like all my set expenses and I. and up until like April, May when. reality came crashing down as I moved. out of my house in 3 hours. Uh yeah, I. just had a I had a lot. >> your house in 3 hours. >> Yeah. Like I basically I put it live and.

within 3 hours I got a booking for 6. weeks and I got $6,800 and I was going. to actually be able to cover the. mortgage, but instead of paying it, I. kept the money. >> Why? >> I don't know. I didn't know when I was. going to get another I didn't know when. another amount of money was going to. come in. >> Such a I don't understand. How long do. you think this takes to pay off if you. only make minimum payments only and. don't purchase, which you're incapable. of both of those things, but how long? >> 3 years. 40 years. Okay. >> 15 years. What are you going to be like. 90? >> Yeah. Oh, it's not that much. It's 35.

>> And you rented a car? Do you not have a. car? How did you get. >> I have a loan? I have a loan on a car. >> Why do I see budget rent a car for $96. that you spend. >> at the wedding? The girl who got the. nose job this summer. I had to make it. to her wedding. I actually finance. afterare. What is it called when you. when you I had to finance the budget. rental on that the Afterpay app or. whatever it's called. [laughter]. >> Why do I see it on here? >> I think that was only part of it. That. was like the the down payment for it, right? Yeah. I had to make sure that I.

had enough budget so that the airport. they. >> So, you put a down payment on debt. >> Well, no. The down payment ON THE. RENTAL. >> THE APPLE CARD IS DEBT. YOU USE debt for. the down payment. >> I took That was a few declines to have. to pay. >> Oh, well, I know. It's all paid off now. Wait, let's see. What is it even called? It's in my wallet. >> What? And you're also just on you you've. had 150 Amazon transactions this year so. far. That was only till March. >> Insane. 150 [laughter] till March.

January to March. 150 transactions on. Amazon. >> Cool. >> You're white girl. >> Amplified to the to the max. >> Okay. Look, I'm being good. I'm not even. signed into my affirm. >> Yeah, but pull up your Amazon. >> Oh, Amazon. Hey, those are that's supplies. >> Do you. cream every time pumpkin spice lattes. are announced on a yearly basis? No, that is not my flavor. No. >> What's your flavor? >> Caramel. Available year round. I'm.

[music] not a seasonal girl. >> Okay. >> Okay. I've got Amazon up. Where do you. want me to go? >> To my hand. >> Okay. Hey, Business Prime. Cuz I'm a. business owner. >> Shut the up. >> Oh, you closed it. Yeah. >> Want to know a dirty [music] little. secret? And no, I'm not starting an. only. You're not broke because you suck. with money. you just can't see where. it's [music] going. If your bank account. is empty at the end of every month, that. is not bad luck, that is bad tracking.

And it's exactly why I use Dollar. It. shows you exactly where [music] your. money's going every single month. Spending, subscriptions, and savings all. in one simple dashboard. Everything you. need and nothing you don't. And when you. download Dollar today, you'll get to try. for free, plus 3 months for just $9.99. So you can finally take control and see. what your money's been doing behind your. back. Click below to get started. Starbucks is [ __ ] and a waste of. money. And you already know that by. making your coffee at home and investing.

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below. Type in code Caleb. We already. have eight things in the cart. Let's. see. [laughter]. Hey, a $300 toothbrush. >> A $300. toothbrush. [clears throat]. >> They're good. >> Sure. Do you need $300? Oh, and a $200. toothbrush. >> I couldn't decide. A sauna blanket towel. thing. Another one. I guess we're. comparing them. A large outdoor light. Christian s light blonde hair dot. Okay, let's see what the [ __ ] your orders are.

This is all [ __ ] It's all stupid. So moronic. >> Uh Amazon [clears throat] ad free for. Prime Video was just purchased there. God, what the [ __ ] is this? Ordered. What? What even is this that was. purchased? >> It has an ID. Oh, Prime Video. membership. Prime Video membership. This. is crazy. Uh, three in one day. Um, okay. Well, that thing was returned. Return return. Okay. We got wired. earbuds. We got some throw pillows. >> Mhm. >> A journal. Makeup remover. I mean, that's fine. S.

oxygen whitener. Well, I guess you got. your $300 toothbrush for that. I don't. know how this is going to uh hydrogen. peroxide. >> Yeah. >> Ultra concentrated bleach tablets. More. throw pillows. >> Toilet paper. Garbage bags. These are. okay except more throw pillows. We're. just getting throw pillows every five. seconds. >> Well, you're going to see when you go to. the house. Oh, [ __ ]. >> Helps increase the rental thing. >> Mhm.

>> Send box magnetic iPhone [ __ ]. Dumbassery light bulbs. Okay. It's a lot. of [ __ ] for the house. Yeah. Which is so. financed a new phone. >> That phone you're on is new. Needed a. case. What is it? It's just an iPhone, but. it's not even anything good. >> Same thing. So, >> no. >> Yeah. Same. Same. Smaller. >> Oh, it's You got one. You got smaller. So, this is certainly not the What is. it? What is this? What phone do you. have?

>> 17 Proish. >> You got the Pro. You got the small micro. dick pro. Okay. You got the micro dick. pro and then you immediately ruined it. with a phone case. Like, it's just like. what's the point of even you should have. a phone case. Well, your income you. actually don't. This is Yeah, [laughter]. it's so much [ __ ] Endless. Endless. Cleaning, cleaning, cleaning. Well, cuz. this house is way too expensive. You. spend thousands on Amazon. [clears throat]. >> Yeah, but it's for supplies. I split it. up. >> Okay. Sapphire Preferred. What's going. on? >> Sapphire Preferred. Um, same. It's been. locked since May. >> What? No. There's $400 of purchases, you.

absolute beast. >> No. >> Yeah. >> I haven't I have I I did the same. payment program. >> Lies. >> Lies. Really? >> Lies. >> Not true. lies. $400 of purchases. >> must be interest. >> Oh my gosh. It's not even purchases. It's worse. >> Is it interest? >> No. >> No. What is it? Oh, is it? What is it? Don't tell me. >> It's two return payments because you. didn't have enough money in your. checking account when your payments hit. >> Yeah. >> Two returned payments. >> No way. Can I see that? >> You are a [ __ ] disaster. Quarter.

million dollar a year plus more. Homeowner less position beyond belief. and you're destroying it. You owe my credit to what is wrong with. you? You owe on this $5,67257. with a minimum monthly payment of $132. >> See, but but I put in a payment plan. >> No, you're over the limit to $72.57. You. >> $260 $216 pieces here and $533 of.

interest. Here's the return payment. >> CAN I SEE THAT? >> YES. OH, I got to make a call. Make a call, Linda. See if I can get that back. >> No, they're return payment fees. They're. not late fees. They're return payment. You're. >> Yeah, total fees. Dang, it doesn't look good with the. mortgage behind. >> Yeah, maybe I'll get you an accounting. certification through course careers cuz. listen, you don't even need the. certifications for your job because. you're already in the place everyone's. trying to get to. Most people get the. course career certifications to get to. the place you're getting. But I'll get. you an accounting one cuz you'reing. broken. You don't know how to do.

anything numbers related. So, I'll get. you account I have a finance degree. >> Huh? >> I have a finance degree. >> We're not going to talk about it. [clears throat]. >> USAA Visa card. What is going on? >> Uh, that's fine. It has a It's a. >> new purchase. It was $1,613.50. >> That's the only card that's open. It has. a $500 limit that like that I'm able to. use. >> Okay. You're at $299 cuz you put some. money towards it once you purchased on.

it. Takes two years to pay that off. $18. minim monthly payment. What are we doing. here? Task rabbit receipt. You're task. rabbiting people. Tiff treats cookies. PBC. Hayward. >> That's for the rental. It's for the. rental. We give cookies after every. stay. >> You can't afford the rental. You're. already losing on the rental. [ __ ]. >> My house sucks. Well, you got to give. cookies. So then they don't think about. how bad the house is. You put it right. before the. >> You shouldn't have gotten a shitty. house. Magic helpers. Magic helpers. These are all the cleaners. Yeah. >> Oh my dick. >> Workshop. Amazon going Indians of.

[ __ ] Amazon return payment fee. >> Two cards in a row. >> I don't know how you're going to. survive. You're giving up everything. You're giving up your entire. >> It's ambitious that I tried to pay. >> This a utility payment. What What am I. seeing here? >> What? I see utility news, but that's. that's bad. >> What is this? What is this? WHAT IS THIS. POSSIBLY? WHAT IS THIS? >> I owe 2,200 to Austin Electric. Oh, you. make so much money. Oh, how do you keep.

money? >> We were trying to grow grass at the. Airbnb and then they left the water on. and now it was like $800 one month and. then almost nine or something the next. month and it things just add up. But now. I'm on a payment plan. I only have to. pay $36 back a month plus my normal. bill. >> Oh. Oh, >> I think that's interest free. >> [screaming]. >> A. you them $2,761.76.

>> 500 more than I thought. Yeah. >> Yeah. You [ __ ] tit. >> Yeah. >> And what? You have a payment on it of. $642? >> Yeah. Yeah. >> A $6426. I've never had awesome energy here. >> Well, those you want to buy more. Airbnbs. You can't even afford your. >> Hey, >> you can't even afford your own. utilities. That's happening right now. What are you talking about? What are you. talking about? What are you talking. about? How the. >> dreams. >> big dream? You want to do all this [ __ ].

You don't know how to do anything. You. don't know how to do. >> that. Personal finance is easy, right? I. know how to do the hard part. Just. totally flirt. >> Yeah, budgeting. Budgeting is easy. You're not. So, how the do you think you. can do the hard stuff? >> I think I can figure it out. >> Wait, you can't even figure out the easy. stuff. How can you do the hard stuff? >> It's all going to work out. >> Listen, your Airbnb is literally losing. money and you want to get more Airbnbs. >> What? >> Yeah. >> How does that logic make sense? Please. >> It just does. I've studied this. No, it. doesn't tell me. Tell me how it makes. sense. Studied this for years. You study. it. Yeah. Yours loses money. So, please.

tell me how you make sense to get more. >> Okay. I think that when the market. changes in Austin and when they require. a license, it's not going to be as heavy. of competition. Right. There's only. >> When the market changes in Austin, is. that a city council required thing? >> Yes, it happens. >> We rely on them. They have to vote on. it. >> It's already done. You have to get a. license and then come July, Airbnb will. pull down every listing that's not. licensed. It's done. It's happening. >> Oh, okay. So, more regulations. >> And so, there's out of 13,000 in Austin, there's only 2,000 that are licensed.

So, I know there's going to be a little. bit of an increase. >> Well, everyone just lic up. >> No, they're going to cap it. They. haven't said what the cap is, but it's. going to be much less. I I estimate. >> Who's capping? Austin or? >> Yeah, Austin. >> Oh, so you're relying on that? Who. knows? Why do you think you'll be in the. cap? Cuz you Airbnb. >> Well, I already applied for the license. >> Have you been given the license? No, but. I applied for it and there's still. there's still availability in my zip. code. And so I I just like have this. vision if I can get all this debt paid. off. >> You had a return payment fee on your. utility as well.

>> Hey, I'm ambitious. At least I tried to. pay. >> Ambitious. Three in a row. Tried to pay. You don't have enough money in your. checking account. You think you're going. to buy more real estate. You're broken. You're broken. You're dead. You're. broken. >> Accounts. Shut the up. You're done. You're done. I don't I don't understand. I don't understand how your brain works. You try to do all these ambitious, entrepreneurial things, but you can't. for your life do anything correct ever. >> What is one thing you've done well? >> Done well. >> Try. >> No, your trying has been horrible. You.

have failed everything you've tried. >> Okay, but at least I did it. >> No, you haven't. You're failing. >> I don't give a [ __ ] At least I have. that life experience. Like I would. rather. >> you look what your life experience has. lost you to. $770,26312. of debt. >> I hear you. But I I I know I can pay it. off. I know how to make money. >> Girl, you're getting return payment fees. on the last three accounts so far. You. know you can pay it off. You That is you. not paying it. >> But I made a drastic change. I live in. this shitty [ __ ] hole box apartment.

That was I moved in in August. >> Okay, listen. We're in November. >> I tried, but I'm trying. I'm trying. >> No. Trying without any results is not a. high five. you you're trying is failing. Meaning you're wrong. You're broken. You. can't do anything correct. >> Okay. Um. >> if you're trying to quit meth and you. can't get off meth, you're not getting a. high five for getting off meth. >> Yeah. Maybe I'm I'm I need to go to like. Alcoholics Anonymous or Money Addicts. Anonymous. You got you have a group you. can point me to. >> You just have to budget. You're trying. to do everything other than what is the.

basic necessity. >> That is it. >> But that's like how I was taught. I was. taught. >> I don't give a [ __ ] how you're taught. I. was taught wrong, too. I was taught the. moment I turn 18 to go max out a credit. card to get a piano. That doesn't mean. I'm going to be in third when I'm 37 in. seven years I'm going to still be doing. that. You've had a lot of year in. adulthood almost two decades now of. adulthood that you could have been. figuring. >> My dad became a doctor. He decided to go. to med school at 30. >> I DON'T GIVE A BUT means that at any. moment I can I can do something new with.

my life. Like whatever I believe I can. turn it around. >> HE'S JUST WAITING. You're 30. He did. that at 30. You're 37. >> Yeah. He didn't become a doctor or. physician at 43. [screaming]. >> But he went there. You're not doing. anything. You're just trying to You're. just trying to race to wealth. >> You're not doing the minimum required. thing, which is just budgeting. >> But at least I tried, you know. Okay. Three Three failed Three failed. companies, but at least I tried. >> Three failed companies. >> Yeah. I had a sandal company. I had I. had an app that I got funded. >> App? >> Yeah. >> What was your [screaming] app? >> It was like It was called No Days Off.

You can still see the book on Amazon. It's still for sale. But I got into. >> it was a book that then we got raised. funds at an incubator. the app do? >> Well, that app failed. >> What did it do? >> It It was like a Remember P90X? It was. like that, but was like a new trainer, new program. >> Not a saturated market by any means. >> Yeah. You know, I had hopes and dreams. >> How much did you raise from the. incubator? >> Uh, at least 40,000. Not that much, but. back in 2015, that was a lot. So, it was. like the up andcoming of apps. Yeah. At. least I tried.

>> Yeah. I was going to Yeah. >> At least you tried. I made some really. good up. You tried. [snorts]. >> Okay. And what was the third company? >> It was Sandals. So I said Sandals. >> Sandals app. >> Sandals app. And then the Airbnb like. being a realtor. >> But you're trying to do more Airbnbs. >> Yeah. >> You said three have failed. Meaning you. recognize that it has failed. How are. you trying to do more? >> There's there was more. There was an. Amazon product. >> How do you even have a sandals company? What is the sandals company? What are.

you doing? >> It's called during I went Yeah. summer. in Portuguese for worldly people. Um, I. went to grad school by force of my. father. I was, [laughter]. uh, that's another story, but it was my. thesis project. So, I overtook all my. student loans during my MBA and, uh, I. moved to Portugal and and used all that. money to start a sandal company. >> Hey, I had it for like four years. It. worked. >> What did you spend on the sandal.

company? >> Oh, I couldn't even tell you. My parents. gave me money. Oh, 150 to 200,000. >> Yeah. >> What [laughter] age did you do that at? >> I was uh 28. No, 26. >> A whole decade. >> 27. Like 27 to 31. It was the. >> Okay. Well, call it to 31 then. >> Yeah. >> So, let's see. At that point to get to 65 at 31 would.

be 34 years old. 65, let's call that. retirement. $200,000 is what you spent. Do it. 8% conservative market return. with $0 added on an annual basis. You. lost yourself $3 million at retirement. >> The experience was worth it. >> Wait, you still owe the factories from. owning the sand. >> So, and that's worth it. No, it's not. worth it. It was worth $3 million and. you lost that. >> But it's the experience. That's worth. more than a million. >> No, cuz the experience would be worth it. if you weren't replicating it today. But. you are. So clearly, you didn't learn.

anything from that experience. Meaning. you are actually even worse off. So you. you can't just use that as a cope. You. you did not learn from the experience. You're broken. You're wrong. You're. destroyed. No. >> Wasn't that WHY I'M HERE? >> NO. NO. NO. >> They're nice sandals. I have a few. pairs. If anybody wants some. >> Do you even have them here? >> No. They're Sorry. It's not polite. >> Bring some to the Airbnb. >> We'll see her special. sandals. >> and all the Amazon purchase.

>> Oh my god. Oh my goodness. This is so. good. You have student loans. >> That's the grad school I talked about. that paid for the sandals. >> Car ruined. [laughter]. >> Now I think I know multiple reasons why. no one's willing to reproduce with you. Look how insane this is. $118,2159. $118,0002159. And what was your grad school? It was. more like a It was a a. >> Oh, she's passed due on her student. loans.

>> I got a I got No, I'm up to date. >> No. >> Is that past due? >> Yes. >> What month is that? November. >> Shut the up. You're past due. [laughter]. >> You usually owe $276. Yeah. >> Any sense? >> Mhm. >> Which, by the way, with that payment is. going to take an eternity to pay this. off because your minimum monthly payment. would be about $1,500 to pay it off in. 10 years. 500. >> This will be paid off when you die, I. guess. >> In my mystery land, I thought I'd use.

equity to pay it all at once. >> What was grad school? >> Uh, grad school was awesome. My dad. actually uh. >> What did you study and where? You. absolute beast. >> No, my dad applied for me and he. >> I don't That's not my question. >> I study stupid. >> NBA. >> You have an MBA? >> Mhm. From [laughter] Sarbone. It's a. It's a really cool program. Three. different schools. >> So, one one in Brazil, one in France, and then Georgia State.

>> France. They don't know business to save. their life. They have like a 10%. unemployment rate. [snorts]. >> France? What are you learning from. France? How to a country and destroy a. civilization. France is done by the time. we're in our 60s. >> And smoke cigarettes. Yeah. They know. how to dress. Come on. >> That's all they focus on. >> Yeah. >> Can't do [ __ ] They have a completely. collapsing population. and everything's. ruined and they have no productivity. >> Yeah. >> And anytime they try to actually change. their social program structures to give.

them any kind of longevities to. civilization, they protest, burn things. down, and then they can't make any. changes. Yeah. That's where you're. getting an MBA. I would fire you the. moment I learned that. >> Strong opinion there. >> It's not an opinion. That is math. That. is what is happening in that country. It's impossible to have an opinion on a. fact. It is a fact. >> Okay. You ever been there? Yes. >> Okay. >> Okay. >> Yeah. So, I got that's all I got for. you. Well done.

>> I don't agree with your opinion, but. we'll leave it there. >> It's not an opinion. >> Oh, sorry. Your fact. >> Well, yes. >> Yeah. >> Their productivity is stagnated for. years. They have to borrow to pay for. their social safety nets. They have a. declining population. They can't pay for. their things. It is mathematically. likely to turn into what the UK is right. now within about two decades. And by the. time we are retired, France today will. not be what France has been known the. past hundred years. >> I think. >> that is not an opinion. >> Okay. But their interest rates they're.

happy. They live different lives. >> They're happy right now because they're. funding it all with debt. Their debt to. income ratio is 110%. >> Debt to debt to GDP ratio. Now, we're. able to do that in the United States cuz. no one's going to with us. World reserve. currency. No one's going to with us. France, they can't maintain that. That's. going to be the they're going to be the. new Greece. They're going to have to get. a bailout from the UK, from the European. Union. >> But an economy that is like the third. largest or second largest in the EU.

compared to Greece is going to destroy. the whole thing. Good luck. Yes, they're. happy now cuz they're funding all in. debt. They're not going to be happy when. they can't pay for it anymore and their. whole social and safety net collapses. >> 10 week vacation. >> That's what happens with the UK right. now. Now they can't afford any of it. anymore. It's completely destroyed. They're having a brain drain in every. way possible. All skilled people are. leaving. Unskilled are coming in. They. can't afford [ __ ] And now the NHS is. being absolutely destroyed. A social. program that makes them happy. Now it's. not funded. And you're medically worse. care. Worse cancer care there than many. places in South America. In the UK right.

now, that's what happens. Happy you. It. won't be happy in about 20 years. It. doesn't work. What? What is this? $26,510.68. of loan balance with Credit Union of. Texas. >> It's a nice car. That's what it is. >> Oh, >> yeah. You know, I was a new realtor and. I wanted a drop top Mercedes. convertible. >> Oh, you're the worst. >> I didn't paint the image. >> Mercedes. Mercedes what? >> It's outside. Says only 2018, but it. looks nice. Night night edition. All. black.

>> Yeah. >> What do you think it's worth? >> Nothing. 20 grand. >> 23. So, at least your negative equity is. only a few thousand. You're actually. kind of lucky on that. In fact, what I. would do if you're really trying to. speed this up is sell it, borrow the. difference, and get a $10,000 car on. debt. That's what I would do. You don't. do any real stuff anyway, so it doesn't. matter. >> Shut the up. >> Oh, that's a. house in the car. You can't touch. No. No. [laughter].

No. >> Why are we having this conversation if. you're not willing to make any. sacrifices? I don't get it. You're not willing to do. anything. You know, you have a problem. you try to do quick uh get-rich quick. >> and not make any sacrifices, not willing. to get rid of things that you like in. order to live a better life, you're. going to be forever. You're a disaster. You are a literal walking disaster. And. no [ __ ] no one's willing to settle down. with you. Are you surprised I'm not? >> Maybe [clears throat] I just need to. make more, right? Like,

>> no, dude. You already make a quart. million. You make a quarter million. You. make a quart million. You make three. times the medk. and I can support this. I have a newer. car. >> Shut the house. >> Shut the up. You make three times the. median household income in the United. States. You are worse off than the. median household in the United States. Because if you make more, if you get a. 10% raise, you will raise your spending. by 15%. That is how people like yes, you. can't say no. You make a4 million if not. more. And you have it. Your mortgage is.

a third of your net income and. [clears throat] yet you it this is all. No. No. You cannot earn your way out of. this. You are ruined. You are ruined. And you're not willing to sacrifice to. do [ __ ] You're not willing to get rid. of a car that's honestly not even that. nice. >> I'm in a [ __ ] hole apartment though. You. know that's a sacrifice. >> kind of. But that was just so you can. keep your house cuz you're not willing. to sacrifice your house. >> Yeah. >> So that's not a sacrifice in my book. So, so the car's got to go, huh?

>> It's a way to get there quicker. >> What's your minimum monthly payment on. this car? Cuz I can't even find it. >> It's 590. >> Yeah. 596. >> I bought it during co where you didn't. have to pay for the first 6 months. [laughter]. >> No, your interest rate is fine at 4.3 uh. 3.4%. Yeah, >> but the thing is it's a late charge. Leech too late. >> Hey, no, they they gave me a little pay. They gave me a month off back in August. A no payment quart million dollars and. nothing. >> See, I'm getting ahead.

>> You've talked about your mother in the. past tense. Is she not with us anymore? >> No, she's with us. >> And dad. >> Dad's here. >> They must be desperately disappointed. >> That's what the NBA was for. They're. like, just. >> go get this and you're not a problem. >> What? But you paid for it with your. student loans? >> No, they they it was more than that. That that school was almost 180 190. They made me sell. >> Do you have siblings? >> I have one brother. >> Oh, thank goodness. Please tell me he's. doing okay. >> He's doing better. He's in. >> Oh, thank I'm glad they have something. to lean on cuz you are. >> the worst version of a child other than.

a drug addict cuz you're just you're. addicted to. >> horrible ambition because you have. ambition. That is not a bad thing, but. you can't do [ __ ] You can't figure [ __ ]. out. You're not willing to do the. minimum things that are required to do. anything. You want to jump right to the. end goal of being this massive Airbnb. empire, but you can't do [ __ ] sandals. Off. sandals. I don't even remember the other. thing you did. It was so stupid. And. then real like just off.

>> Okay. I mean, you're you're right to. have your opinions. I still don't agree. >> Why? Why don't you agree? What is there. going for you? >> For me, it all still comes back to the. experience. Money is not everything. >> Experience is learning based on it and. then putting in actions in the future. You haven't learned from anything. Look. what you're doing today. You're not. willing to give up your house. You're. not willing to give up your car. you. experience. You haven't learned from any. experiences. That's how they become. valuable. Yours are not valuable because. you're not doing [ __ ] You're repeating. the same mistakes over and over again. for two decades now. >> I turned off the cards. I moved into a. smaller apartment. That's.

>> You got the cards turned off on you cuz. you're [ __ ] maxed out. >> I called and I did it. >> Not all of them. >> The two? >> Yeah. >> Then you have late fees on all the other. ones. >> Hey, at least I tried to pay. >> Tried this word tried with you. You. haven't tried [ __ ] You. >> I don't see a way out. I really don't. If I don't get that job in in January, I'm screwed. >> No, with the job, you're screwed. Without the job, you're h. >> That's all you're okay. She's.

overdrafted on her checking account. $174 over draft fee this year so far. Making a4 million. I don't I I I I don't. get this. I'm sorry. Um [clears throat]. travel, customs, travel, Amazon. Oh my. gosh. Oh my goodness. Coffee and. selling. Venmoing. Venmoing. Going in. and getting some [ __ ] What are you. going in and getting some [ __ ] for a. few dollars for when you stop somewhere? >> Like a gas station and HB. What are you. getting? >> Snacks. Convenience. >> Stop buying bulk. Beauty bar.

Not helping you get laid. Venmo. Amazon. Amazon. [laughter]. [ __ ]. >> Yeah, I had a vape problem. >> Medici coffee. You have a what? >> I had a vape problem. Had. >> it slowed down. We're on tantics. Yamadichi. See? [laughter]. Nice. Austin. >> I think I'm doing great. How negative is. that? >> You think you're doing great? >> How negative is it? >> You think you're doing great? Then you. What am I doing here? What am I doing.

here? What am I doing here? You think you're. doing great. >> I wanted you to help me see. >> you. You think you're doing great. You're not willing to budge on anything. You're not willing to sacrifice. anything. You're continuing your. ambition of stupidity and being. defensive about everything, thinking. your experiences have been actually. worth it. You're not learning [ __ ]. You're not doing [ __ ] You're a failure. and you're disgusting as a human being. making $250,000 a year. Other people can. only dream of that and yet you're. destroying it. You're throwing it away. and you're milking the system. You're. you're going to use bankruptcy as a. legal as a legaling.

offering that is there to actually help. people. You But you just lived up life. and you're just going to throw it away. Throw it away. Abuse the system. Look at. all [ __ ] spending, ladies and. gentlemen. All [ __ ] spending. The. Hampton Social die. Bull [ __ ]. spending. All Look at Guys, look at all. this. Look at all this. >> Shut the up. I'm done. Look at all this. bull queen. You monarch you. You monarch. especially you. Dollar-wise is better.

You all this [ __ ] All this. [ __ ] All this [ __ ] Look at all. Look, guys. Just look at all this is. what a joke. What a joke. What a joke. What a joke. Shut up. Stub hubs just. die. Look at all guys. All this all this. instead of actually paying her mortgage. She deserves to lose the house. I hope. they take it from her. All this. [ __ ] She's not willing to change. anything. All this [ __ ] Spa. You. look at that smoking vape. All this. [ __ ] guys. Another whole page. Nortom. You die. Car wash. You die. Uber.

Eats. Uber Eats. Die die die die die die. die die die die die die die die die die. die die die die die die. die die die die die die die die die die. die die die die die die die die die die. die die it keeps going. >> if I was dating someone maybe he'd buy. cover the food. >> this is soing stupid look at all this. [ __ ] look at all this stupid Nord. [ __ ] so. >> I had to look good for work I had to fly. to San Francisco. >> 50,000 a Roth IRA at 60 at your income. scale is disgusting you make you are so. far behind you're so and you're not. willing to sacrifice and I'm I There is.

no point of me continuing this. conversation or doing anything, okay? Cuz you're justing done. You have no. hope. You're a failure. You disgust me. as a human being. I hope you do better. Good. The luck. I hope you whatever. Well, listen. The post show is going to. be looking at her uh Airbnb and I OH, GOOD. YOU ACTUALLY owe tax money to. We'll talk about that in the post show. cuz I'm soing done right now. Click that. join button to join the post show. Three premium shows every single day. Hammer financial scoresing.

you hammer financials. >> All right, we starting fresh. Okay, >> sorry. Hold on. >> I'll see you guys there. Wingstop box. has been sitting there. >> Don't ask me how I know that it's a. Wingstop. >> Oh, and the uh the fully filled gutters. and the the rotting pumpkin. >> Oh, cuz you don't live here. Who's. spending all the time watering these. plants? >> I have someone come and do it and I pay. 100 bucks a month. >> You budget that in. >> I spend money on that. >> No back neighbors. >> No black neighbors. >> No back back [laughter] neighbors. Oh,

okay. >> Join us Saturday, January 31st for. Hammer Elite Day, a 5-hour live stream. featuring all of your favorite shows, but done live with you. See you there. >> [music].