The Dumbest Guest In Financial Audit History

Well, I'm being told you need an. additional $2,500 in spending money to. go across. >> That is the goal. Yes. [laughter]. >> And how are you doing that? >> My dad's giving me 500. >> Spoiled enabled. Disgusting. >> Very much so. >> You'll never get anywhere in life. >> Being blessed. >> No, it's called getting enabled. >> You look like a giant man, baby. But I. mean, like, >> you won't rent to whip it. >> Men are easier to deal with than women. I would love to do the spell so we can. go ahead and assist me with clearing up. the step. THOUGHT ABOUT KILLING MYSELF. >> Something big is coming. Something.

[music] that's going to change personal. finance forever. And the first 500. members get to lead the charge. Go to. dollarwise.com to change the future. >> Hi, I'm Maya. I'm 29 and I'm from. Riverside, [music] California. And this. is Financial Audit. Thanks for coming over to the place. where everyone from California is. coming. >> Yes. >> At least we get to send you back. What. do you do there in Riverside,

California? >> I'm an insurance agent. >> Okay. Yeah. >> Selling. >> Selling. >> Are you a good saleswoman? >> Well, that depends on the economy. because people right now are not buying. cars. >> Are not buying what? >> They're not buying cars. People aren't. buying cars. Is. >> that true? >> People are not buying cars right now. >> Is that actively true? >> Well, it feels true because I'm not. getting sales. >> Well, okay. Which would then lead me to. my next question. What do you make? >> I would say I'm not getting quotes. actually cuz I I'm getting sales, but. I'm not getting as much quotes as I'm. used to getting. >> Okay. >> So, that's why I say that people aren't.

buying cars. >> What do you make in your job? >> Um, it varies cuz you know, like. >> I know it varies. It's commission blah. blah blah. We all know this, but what do. people usually say when it varies? Like. when I was a commission salesperson, I. average it out. >> It's cuz. >> Sorry, starting heated. Just what's. average? What's average? >> Well, it depends because there is um. there's it's not just commission, you. know, I have monthly bonuses and then I. have an annual bonus. Okay, so. >> Okay, take a look. What's the annual.

bonus? >> It also varies. >> Oh, for sake. Usually, lady, we can't. have a conversation on financial audit. if I do not have a number. Come on. You. know that. You know that. Are you really. going to come on in the first two. minutes? Sorry again. Started heated. First episode back. I didn't sleep very. farewell last night from the new year, but how in the world do you think you. can have a conversation on financial a. couple minutes if you CAN'T GIVE ME A. NUMBER? >> I CAN GIVE YOU A NUMBER, but I'm telling. you that it will change. It will vary. I. mean, like. >> average it out, please.

>> Uh, >> please take away the annual bonus. Average out what a normal month looks. like. >> or a normal quarter. An average normal. quarter. a average month taking away the. bonuses would be. >> no the annual bonus because the bonus. >> well the monthly bonus is also something. I would need to take out cuz that also. varies that can. >> no [ __ ] average are you stupid do you. not know what averaging it out might be. >> I understand what you're trying. >> okay does it really go from $5 a month. to $500,000 a month is it that big of a. gap. >> for the monthly bonus it can be.

>> from $5 a month to 500,000 you've made. five and 500. >> I've made 25 and I've made a th000. >> Uh-huh bonuses and um for a monthly. bonus. >> Uhhuh. And that thousand, is that more. common than the 25? >> No, but the 25 is also not common. >> Name something a woman might drive a man. to do. >> Kill himself. >> Okay. What's common? >> 200. >> $200. Yeah. $200. So, I would say no. The for. the monthly bonus. Yeah. But, uh, average monthly, I guess we can put it.

at. >> I guess we can put it. >> 6,200. with the monthly bonus. Okay. In this annual bonus, what did you. get this year? >> Uh, I'm not sure yet. The numbers aren't. closed yet. >> Last year. >> Last year was 6,000. >> The year before that, >> year before that was. 10,000. >> The year before that. >> The year before that was.

blast. >> 6,000. Again. >> The year before that. Um 4,000. >> Okay. Looks like it's about 6,000 a year. is what we can get. >> Okay. >> Right. Does that sound about right? >> If that's the average number you want to. use. >> It sounds like you're shooting right. around there. >> Okay, then fine. Yeah, sure. That's the. number then. >> Well, this isn't my decision. That's. just like Okay. Is that what Okay, so. 6,200 a month, right? Is that what you. said? >> Yeah. >> Is that what I think we can average her.

out there? We don't even know. My. goodness. 5 minutes in. Yeah, you're. going to be one of those people where. you can't give me a number. O, >> how do you budget then? If you can't if. you can't even establish what you think. an average is to average it out on a. monthly basis for how much you need and. whatnot, how the do you budget if. anything? >> I budget uh twice a month. Every time I. get paid, I base it on. >> You budget per paycheck. So, you get a. paycheck and then you budget. No, no, no, no, no, no. A budget is where you're. you have a baseline budget of minimum. requirements. That doesn't change based. on how much you get paid.

>> That's how I do it. You asked me how I. do [laughter] it. That's how I do it. >> Okay, but how does that make sense then? Because your rent does not change based. on how much you get paid. >> No. >> So what the are you talking about? How. does that work? >> So for my paycheck that I get on the. first of the month, I budget out the. bills that I have to pay from the 1st to. the 15th and I budget out from that. check to what I have to pay. And then on. the 16th when I get paid again, I budget. out the bills that are due from the 16th. to the 31st and I budget based off that. >> Okay. So, the year isn't fully closed. out, but 2025 sales are estimated to be.

slightly higher at a 2% year-over-year. gain in auto sales. You might just be. bad at your job. And the year before. that was 2023 to 2024. was an increase. >> Yeah. >> Positive year-over-year growth from. uh went from 15.1 million units to 16. >> Gotcha, [ __ ]. So I think that is your job and your.

skills at it. >> Well, the problem that is going on right. now is that rates went up. >> So it's harder to sell when rates go up. >> Yeah, but everyone is required to get. car insurance and people are getting the. cars. It's not an option. So rates go. up. What do you mean? Like rates go up, they still have to get insurance. This. isn't health insurance or it's an. option. they'll just go buy a cheaper. insurance company that barely covers. them and anything like that cuz. >> go work for that insurance company. If. you're in a failing market,

>> I would not go work for a crappy. insurance company. >> But if you're in a failing market that. the that the people are that the market. is not choosing, why would you stay. there if you're going to fail? >> Because I'm not failing. >> What you were just kind of explaining at. the be Okay. Did you make more money. this year than last year or less? >> Less. It's the first year that I've ever. made less. It's [clears throat] the. first year I've ever made less. >> Okay. Sounds like a bad direction to go. in. >> Well, for the last 10 years, it's been. increasing. So, >> great. Sounds like you hit your peak. But you're already explaining that your. company is selling a product that the.

market is not demanding as much as the. other product at another organization of. which you could work at if you're. actually skilled at sales. Why would you. not go. you why the business isn't entitled to. have you? I'm confused why you feel like. you have to stay there. >> I don't feel like I have to stay there. I choose to stay there. >> But why if you're making less? Because. it's I love my boss. It's a great boss. >> Who cares? >> I care. >> So, what'd you make this year? >> Not including the bonus. That'll. probably be about six, maybe a little. less. >> I don't know.

>> How do you not know if you are able to. tell me you made less this year than. last year? >> I know that I made less than this year. >> But you don't know the number. >> What's wrong with you? >> Because my commissions were less this. year. >> How can you even say that overall. though? >> Because I base it off the checks that I. get. You literally can't even tell me what. you think you made this year. What the. is wrong with you? How can I have a. conversation with you, dude? >> You want to give? Okay. I probably made. 90. 2,000. >> Before taxes or after. >> before.

>> Okay. Oh, you don't want to leave cuz your. mommy works there. >> No, my mom's retiring. She's leaving. There's nothing with her. >> Or don't. I mean, if it's 90, that's. decent. Where is Riverside? Is that LA? It's in between LA and San Diego. >> Okay. So, it ain't cheap. >> No, >> it's a beach town. >> No. >> No. It's in the desert. >> It's hills. >> In the valley. >> Is it expensive? >> Yes. >> Yeah. But everyone thinks where they. live is expensive. Is it actually?

>> Yes, it is expensive. >> I mean, it's California. So, in. comparison, yes. >> Yeah. But is it California expensive? Cuz 90 90 could pull potentially. All right. Okay. So, how you doing in. Riverside? You look like you're probably. a mother of like seven with multiple. dads, right? >> That's horrible. No, I don't have any. children. What? >> You look and smell like it. >> What does that even mean? How does one. look like And how does one smell like a. mother? >> Uh, whatever you're wearing smells like.

it's uh trying to cover up last night's. alcohol and this morning's cigarette. >> Uh, don't smoke cigarettes. And I also. not wearing any perfume. >> Yes, you are. You're wearing something. Maybe it's your deodorant then. Maybe. it's my hair cream for my curls. >> Yeah, it might be the cream you put in. your hair. Yes. >> Yeah, that's it. I don't wear perfume. >> So, it smells like baby mama. Like ba. career baby mama. >> Oh, okay. But you're not. >> No, I don't have children. >> I was asking. >> Was that a question? >> Yes. >> I don't think that was a question. >> It was a question based on an. assumption.

>> Well, yeah. I mean, I was asking if my. assumption was correct because everyone. I know that resembles this. >> What do you mean this? you that looks. like you and smells like you usually. results in that. So approximately. $88,575. a year is the midpoint where half. households earn more half earn less in. Riverside, California households though. that's not individual pay. So you're. doing well for Riverside. You're above. you're in the top half of households. alone without even a child. Surprise, surprise. Are we sure about that?

>> I'm 100% positive. >> Okay. Okay. So, how you doing then? If we know. you're making pretty okay for Riverside. No children allegedly. How are you doing in Riverside, lady? >> I think I'm doing fine. Um, but I just. need to pay off some debt so I can be. better. That's all. >> So, you're doing fine. Why are you in. debt? >> Uh, because life happens. >> Okay, that's not an answer. Why are you. in debt? Let's try this again. Remember, you're on a podcast. I'm going to remind.

you about that. >> I've made decisions. I've spent some. money and that's why I'm in debt. I. >> Oh, vague poster. Okay. Is this what. you're like online? You just vague post. You give absolutely no context for. anything that's happening. You spend. some money. We all do. >> What the is going on in your life? What. are we talking about? >> Look, uh, my. way of spending is something. >> What is your way of spending? Let's try. that. I like to spend money on things.

that fill my. >> goodness. You are just Can you give me. anything, dude? Anything more not vague. endlessly? I spend my money on things. Things that bring me joy. What do you. spend your money on, dude? And this is. what got you into debt? >> I spend my money on traveling. I spend. my money on. >> Where are you going? How much are you. traveling? What are you doing? >> I've been to the Maldes. I've been to. Thailand. I've been to different parts.

of Mexico. >> How are we traveling? These are. expensive trips. Not Mexico. I mean, that's relatively close to you, but. still can be expensive for sure. But. Philippines and all that [ __ ] or. Thailand, whatever. Which one? One of. those. >> Thailand. >> Asia. Yeah. >> Yeah. >> Okay. >> Mhm. Um, I spend money on which. >> How much are you traveling? This is. these are expensive ass trips. >> Like how many times a year? >> Oh my goodness. How often? How often? This is Oh, this is going to be a teeth. pulling conversation. Yes. Sure, if. that's how you want to answer it. How. many times a year are we traveling?

>> Three to four times a year. >> What the is wrong with you? How How can. you Well, actually, again, you make. halfway decent income, but if you're. going into a death world, what's even. the point? What are we trying to do? Are. you single? >> Yeah. >> What are you trying to do? >> Just live my life. I'm That's it. Trying. to enjoy life. That's. >> Do you care about debt? >> Um, well, I don't really believe that. you can be debtree. Like, >> well, how is that? What do you even mean. by that? Because obviously people are. debtree. So what do you mean people you. don't how what does that even mean? What.

does that even mean? >> Look, I don't believe that you you can. possibly be debtree. Like I already. heard you say that. So what does that. mean? >> It means that if you stop using your. credit, you're going to ruin your. credit. You have to constantly be using. it. So in an ideal world, >> that doesn't mean you can't be. >> I didn't say that you can't. >> You just said I believe people can't be. debtree. >> I just don't believe it's necessarily. true because there's going to be a. mortgage. There's going to be a car. loan. Doesn't have to be. Doesn't have. to be. Doesn't have to be. >> So, you're just never going to do. anything? >> There are people I don't even advocate.

for full debtree, but like people that. follow Dave Ramsey's program. Yeah. There's tens and tens and tens of. thousands of people that have gone. through his programs that are completely. debtree, including their house. Yes. >> I don't think it's necessarily true. >> You don't think it's true? Like, how do. I even. talk with that? What you don't think. >> because somebody can consider being. debtree like just having like $1,000 on. a. >> credit debt? No, that's not debtree. That is debt. Are you I'm confused. That. is a balance on a credit card that would.

equal debt. What do you you think people. that go through it as debt? >> You think Okay, well those people are. stupid. We don't need to think about. those people. But you think the people. that go through Dave Ramsey's program. have $1,000 on a credit card and they. don't consider that debt. >> I don't know what to tell you. >> I just don't think it's a real thing. I. don't think it's possible. I don't think. it's possible for you to be debtree. And. that's just I don't think it's a thing. >> I was going to vibe with you a little. bit when you said, "Well, maybe it's not. smart to be completely debtree because,

you know, we should use credit cards and. credit scores are important and can be. good for apartments. It can be good for, you know, future car loans potentially, like 0% deals, 1% deals. It can be good. for finessing, you know, maybe 0%. furniture for like 3 years. It could be. good for a variety of things, especially. a mortgage. We could vibe with that. But. then when you say it literally might. not, but like literally it might not be. possible. I think you're kind of. literally broken. >> No, I just think like in my ideal world,

>> your ideal world, that's not what's. possible. Your ideal world and what's. possible are very different things. >> In my ideal world, it is I would have at. least $2,000 of credit card debt always. >> Okay. Well, that's with what limit? Like, what the does that even mean? Counting around the 2,000 on my credit. cards just to keep my credit. >> What would the limits be? on all your credit accounts. Yes, your. credit cards. Let's say. >> uh well that the max limit on them was. like what? 20,000, 12,000, 11,000,

10,000. >> Well, that you have now. So, you're. talking about the ones you already have. now. >> Yeah, I'm talking about the ones I. already have now. >> Okay. So, you have those big limits in. your ideal world would always be have. 2,000 that is accuring interest. >> No, just bouncing around on my credit. card. >> Bouncing around. What does that mean to. you? Because I have so many credit. cards, >> I would be bouncing the debt from like. >> transferring transferring transferring. No, >> NOT TRANSFERRING. >> THEN WHAT IS BOUNCING? >> WELL, I'M TRYING TO EXPLAIN THAT TO YOU, but you keep cutting me off. Maybe if. you listen. >> No, it's I'm trying to listen, but the. words you're saying aren't just like. they're not real financial terms. So,

I'm trying to understand what you even. qualify what you're trying to say. So, they're bouncing around. >> So, I would have $2,000 on one credit. card. I'd pay that off and then it'd go. out I'd charge another 2,000 on a. different credit card. I pay every. single month. >> Yes. Just rotating the credit cards to. always have at least 2,000 on there. >> I don't know why the 2,000 number. specifically cuz you can keep them open. and alive by spending like a buck on. each card a month. >> The 2,000 is basically two vacations.

>> Okay. So, it's to fund what you want. >> Yeah. >> Okay. And how much debt do you have. today? >> Um, >> not including the mortgage. I know you. have a mortgage. Chunky ass mortgage, by. the way, but not including the mortgage. Um, I don't know. I'd say like 30. >> You literally just said you want to. cycle 2,000 and you're just guessing on. your debt. Let's see how close you are. >> 30. Okay. So, I mean, it's more than. double. So, how can you even tell me.

your plan, your desire, what you want to. be is 3,000 or $2,000 bouncing between. cards if your literal debt right now is. head of your mortgage is $62,23.72. So, what are you talking about? That. doesn't make any sense. You're not in. that world. You're only going up in. debt. I would assume usually you. wouldn't be allowed on this show unless. that's the case. >> So, what the are you talking about? That's your plan. What are you doing. there to get that to be that that's that.

doesn't align with anything you're. doing? >> Well, that's the lifestyle that I've. always had. >> What? What? What is. >> the having just the $2,000 in credit. card? But what happened was the mortgage. and I had to re adjust to having a. mortgage. So, >> but that doesn't make any sense. So, you. got a mortgage you couldn't afford. Why'd you get the mortgage? What's wrong. with you? You don't even have children. Then you wouldn't be readjusting. There's no readjusting. What do you mean. readjust? >> It's readjusting my additional. spendings. >> What are you talking about, though? If. you could afford the mortgage, what. would you be readjusting?

>> Like my spending on like eating out and. like my. >> Why does that change if it's something. you can afford? >> Because I can't afford to eat out as. much because of the mortgage. >> That doesn't mean you can afford it. then. What was your rent percentage? Your needs should still only be about. 50%. Sure, it's California, maybe a. little higher, but you have a strong. income even on a slow year. So still, it. should be about 50%. You should still. have 30% for fun. What the are you. cutting back on eating out, which you. should, by the way, anyway, because the. only thing you're probably adjusting is. the waistline. of. >> Actually, it doesn't change.

>> Well, that's not good either. >> So, >> instead of just adjusting for your. mortgage, you should be adjusting your. fast food down regardless, most likely. for health reasons. But besides that, this doesn't sound like something you. can afford if you have to cut back from. that percentage of fund anyway. >> It's just an adjustment that I'm not. used to. I'm used to being able to spend. money whenever I want, however I want. >> This doesn't sound like something you. can afford then. >> But it is. I can afford it. >> What's your mortgage? >> Uh $4,220. >> Well, what the are you talking about? If.

you bring in $6,200 a month on average, that's 70% of your income, dummy. >> THAT'S NOT AFFORDABLE, DUMMY. YOUR. entire living expenses should be 50%, maybe 60% because of the state you live. in. But again, you make good money in a. low in a even you make a good income. even in a low year. >> I also have tenants. >> Well, think cuz I don't that's 70% of. your life. 70% of everything that is not. a mortgage you can afford. And even with. tenants that will supplement you a.

little bit here and there, but what. about expenses? When they pop up, like. something needs to be repaired. What. about when one of them moves out? What's. their what's their lease terms? >> It's monthto month. >> OKAY. SEE, THERE YOU GO. Or if one of. them just Well, how many tenants do you. have? >> Two. >> Okay. So, it's so easy for them to just. leave if it's month to month. >> They're just out. Then what? You can't. afford that? 70%. Good. The [ __ ]. Especially when you include all your. extra debt payments on top of that. Uh. that has to be like 100%. How do you. afford utilities? How do you afford uh.

gas, car insurance, food? >> It's all covered. >> No, your debt has only gone up, which is. I think the real answer. What do you. mean it's all covered? Your debt has. gone to what was it? 62,000 from. revolving 2,000 hours a month. What are. you talking about? And what happens when. a tenant fails to pay? >> Uh, well, that has happened once. >> And. >> I mean, it was tight. >> Well, we know your debt's only gone up, so I don't think it's just tight. I. think you're. >> Well, when he did move out, uh, yeah, it. did get a little hard and I had to use. my credit card from time to time. Oh,

[ __ ]. >> So, what do you bring in from the. tenants on a monthly basis? >> 1,700. And what was your mortgage again? >> 4,200. >> 1,700 when they pay. It's still 40%. That is still on the. chunky top edge. And that's if they pay. >> But that's because of the mortgage. insurance that's on there. >> Well, maybe. It sounds like you couldn't. have gotten the house cuz you didn't put. enough down to get rid. >> had to refinance.

>> I have to refinance to get rid of the. mortgage insurance. That's. >> Or you just get a 20% equity or you just. pay off your mortgage insurance. Yeah, that's a lot. >> Refinancing is a lot. That costs money. >> Might get baked into the loan, but then. your extra. >> You already can't afford this. If rates. gone down enough from where you're at to. even make a refinancing make sense, minimum 2%. >> Not right now. >> Then what the are you talking about. refinancing? >> I said I need to. >> Have you gained that much equity in your. house? Will refinancing get you at a 20%. equity position? >> No, I don't think there's enough equity. >> What level of PMI are you getting rid.

of? >> That's what I was told by my realtor. adviser that he was like the only way. >> Realtor advisor. What is a realtor. adviser? An adviser to your realtor. >> Yeah. >> What? >> Mhm. >> Actually, you had an adviser to your. realtor who talked to you about. refinancing your house, but you just. don't understand when and where and how. >> So, there's my realtor. >> Oh, right. >> Yes, you have a realtor. Very good. >> And he has an adviser. >> What the 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, why refi.

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person who advised you to be with your. house. But go ahead, continue. >> No, he just told me in regards to when I. was closing the loan and everything that. that was going to be on there unless I. refinanced or of course that I had an. >> refinance when you have an equity. position. >> It's an to you having equity gained. >> and there has been some equity gain and. I'm just waiting for it to keep going. up. It's just. >> waiting for it to keep going up. Let's. find the out. >> But it's something I need to do. It's. not something I'm doing right now. It's.

not something I'm working on cuz it's. not possible right now. But it is. something that I need. >> The mortgage insurance is not going to. be what makes or breaks your 70%. >> Huh? >> It's another $1,000. >> a month. >> Yes. >> Your PMI is a,000 a month. >> The mortgage insurance is a,000 a month. >> You didn't send us your mortgage. statement. What the is wrong with you? >> Yes, I did. >> Type in your address, lady. Going to. jump around. The are you talking about? If it's 1,000 hours a month, it should. be damn paid off almost immediately.

You're incorrect. I've heard. 7% rate. Okay. So, what am I do? Let's. see. How's that broken down? It's 200 bucks a month. What is wrong. with you? You have no idea what you're. talking about. Did the advisor tell you. this? >> No. >> So, what the are you talking about? You. sent a statement. You're able to look at. a statement. Why are you so broken? Honestly, I didn't read that. >> Then how the can you confidently tell me.

a number? Honestly, >> it was based on the numbers that I was. given when I closed the loan. >> What numbers were you given when I. closed the loan to make you think it was. $1,000 a month? So, no, that. >> it gave me the the breakdown of the full. payment. >> I have your full payment right here, you. tit. So, I don't think refinancing is honestly. really going to save you much money, if. anything at all. You have you have a. 8.5% equity position in your home. 8.5%.

You're not getting to a point where it. would be 20%. >> I told you it wasn't I. >> So, what the are you talking about then? >> It's just something that needs to be. done in the future to help you. >> But why? Your PMI will probably be paid. off by then. >> I don't know. I'd have to look at it. when the time comes. >> Look at what you don't look at anything. You didn't even know what you were. saying. >> So, I don't look at my mortgage. statement every even month. >> Yeah, but you told me how you would save. money. >> It was based on what the numbers I saw. when I closed the loan. The breakdown. that they gave me on my mortgage payment. and how much goes to mortgage insurance. and how much is my rate and all that. stuff. And that's what I based it off.

of. That was the number that stuck in my. head. >> And then you also said something weird. before I cut you off cuz I just needed. to get information. You said you spend. money on like witchcraft or some of. something stupid. >> Yeah. So, actually, um, I brought a. spell. So, um, I would love to do the. spell so we can go ahead and assist me. with clearing up the step. >> Yes, sir. RE THOUGHT ABOUT KILLING. MYSELF. >> I don't think that's what's going to. actually do it. So, you. >> What do you mean? I mean, I brought. everything like.

>> Hey, has that helped you yet? >> Well, to be fair, yes, because this is a. money ritual spell that I brought. And so with this money ritual, um, usually when I do a money ritual, I. always ask. >> it has never worked. Your your money has. gotten worse. >> Anytime, let me finish. >> Uh-huh. >> Anytime I use a money ritual, I always. ask for just my bills to be paid. >> Uhhuh. >> I never ask for additional stuff. I. always just ask for the bills to be. paid. This is a specific money ritual.

where I'm going to be asking for a. specific amount of money, which is to. clear up my debt. Why don't you just, you know, do work? >> I do work. >> That's all that's required. >> Doesn't smell like anything. >> It's chamomile. Smells like chamomile. >> Okay.

Very good. proud of you for not actually doing. anything. >> It does do something because again, >> why don't you actually just go do [ __ ]. >> I do do [ __ ] This is another way to. help. It's an additional support. Like I. said, I've never asked for a specific. amount. I've only ever asked for my. bills to be covered. >> Why don't you go earn a specific amount? >> I do earn a specific amount. >> Girl, I'm not going to We're not doing. rich witchcraft in my my studio. >> Why not? >> This is what I think of your witchcraft. Oh, [ __ ] you.

>> You're a disrespectful. >> Absolutely. We ain't doing that [ __ ]. here. I'm not allowing that bit. >> What do you mean? I mean, thankful. Thank you for sprinkling me in. chamomile. There's nothing wrong with. that. >> Yeah, you look great. >> I know. It's amazing. I'm a fairy, but. >> I'm not allowing it. I know you wanted. to do a little bit. You. >> Why not? >> I'm not having you do a witchcraft in my. studio. It's not happening. I'm not. having the studio tainted with things I. don't even understand. We're not doing. that. If you are going to make money to. pay off your debt, you are going to earn.

money, you are going to budget your way. through it, you are going to change your. behavior, you're going to be an adult. instead of trying to find some shortcut. through witchcraft. You stop being a. dumb shortcut. It is support. And who. shot you threw it at me? >> You're damn right. Cuz I'm not having. that [ __ ] I'll take some childish for. that. But you're going to be an adult. going forward and you're going to get. your [ __ ] together like a real. >> my [ __ ] is together. All right. And you. definitely got up. You lose tenants left. and right. Sometimes they don't even. pay. >> I do not lose tenants when left and. right. >> Pay rent. It was one pay. How long have.

you owned your house? >> Two years. >> Sometimes they don't pay rent. >> It's only one tenant. >> Yeah, that's still big. And you can't. [clears throat] afford that. And your. debt only goes up. You spend your money. on traveling four times a year. What the. [ __ ] are we talking about? Obviously, none of this makes sense. So. you are not acting like. >> it doesn't make sense to you cuz you. haven't looked at anything acting like. an adult in your life. >> What is an adult? >> You can. >> What is What is the definition of being. an adult? >> One, you couldn't afford this mortgage.

You got a mortgage that was 70% of your. income. That's. >> I pay it. >> Well, you pay it with PMI, meaning you. didn't even put enough down, honestly. And. >> 3.5 is what it was required. >> Yes. That doesn't mean it's good for. you. What do you mean? If someone offers. you meth on the side of the road doesn't. mean it is good for you. Just because it. is there for you to take. >> I mean, you could take it and then. resell it and then it is good for you. cuz then you do. >> No. What the hell? >> What the then? Shut the [ __ ] up. >> You're the one who brought up meth. I'm. just going with your example that you. gave. >> Yeah, but you're taking it in a stupid. direction. I'm just saying because.

something is available doesn't mean it. is good. >> Unless you use it for good. >> Oh my goodness. How is this logic so. broken to you? I don't understand. This. mortgage is likely something that is. How's your relationship with the. tenants? >> Good. >> Okay. And how how's how how long has the. shortest tenant been there? >> He's been there six months. >> Okay, we'll see. Month to month, people. are usually in and out. We'll kind of. see. And you got to find someone. instantly. >> And even still, it's 40% of your income. >> Again, I don't believe that you don't.

have children, but I'm glad you're at. least taking care of them. >> I don't have children, >> but they don't exist. >> I'm being told you don't even always do. background checks on them. >> No. >> You won't rent to women? >> No. >> Why? You try to get a little bonus here. or there? No, they're just men are. easier to deal with than women. I have. experience with tenants being women and. it's horrible experience. >> This sounds very sexist and very. generalizing of half the human. population. >> It's been my experience. So that's. >> Yeah. With how many? >> Five different women.

>> that have rented from you. >> You said you've only had one that was a. failure. So what the are you talking. about? >> So I lived with my mom and my mom rented. rooms and I assisted her with those. tenants. >> Okay. Were you guys doing background. checks? You don't even do background. checks now. I think that would be the. failure of you is the landlord. >> That wasn't the landlord. My mom was the. landlord. Those are the female tenants. >> Were you doing background checks? >> Was I? No. >> Oh my gosh. Okay. So, you you're going. to blame it on them being women. >> They were only the women that we were. having issues with. >> I love to be sexist for fun as much as. everyone else. But you're being right. now. What do you mean? >> It's just the truth. It's what I've.

experienced and I'm I went based off of. my experience. >> Okay. So, how do you get your tenants. now? >> Um I have the website set up through um. what is it? Travel for travel nurses. So, it's people that really are going to. be in and out. >> Yeah. >> Oh, for sake. >> I have that website set up and then I. have the Facebook marketplace. >> Has ever gotten weird with any dude? >> Nope. I have security cameras and guns. >> Yeah, but you also seem like again. someone with like 50 50 like men that. have birthed children inside of you.

>> That's so weird of you to say that. >> I guess it might be. That's fine. >> You look like a giant man baby, but I. mean like. >> man baby. I don't What would that even. mean? >> You look like a child, but you look. huge. So you look like a man baby. >> Look like a child. How. >> you look like a child? You look like a. giant lamb baby. You look like somebody. took a face of a of a baby and put it on. a child. >> Baby face. >> Like a man baby. >> Baby face. >> No, baby face and man baby are two. different things. >> Huh? >> Baby face and man baby are two different. things.

>> Explain man baby to me cuz I explained. how you look like a horror earlier. So. explain to me how I look like a. >> You really didn't explain that. >> Explained it with the smell. Everyone. knows the smell. the smell of the. person. >> I still don't know what you mean by the. smell. It's not an Smell your hair and. you'll get it. Again, it is the smell. that shampoo that [ __ ] wear when. they're covering up from the cigarette. in the morning and the alcohol from the. previous day. It doesn't smell like. shampoo. No, no, no, no, no, no. >> It does smell like shampoo and curling. cream. That's what it smells like. >> So, what are we doing then? If you don't.

care about your future, then why? Why? What are we doing? Cuz there's no point. of sacrificing. >> We're just living life. No, but there's. no point. >> And I just want to enjoy living life. >> Okay. Well, that's a different show. But. I just want to enjoy it the way I want. to enjoy it. >> How do you want to enjoy it. >> with only having $2,000 of debt? >> But there is no point of sacrificing the. sacrifice that is going to be required. if you're not going to live a long life. to enjoy it. >> But I'm already enjoying it. >> Yeah, but you're not if you want to get. through this $2,000 a month and pay off. this uh what was it? I forgot how much debt it was, but like. tens of thousands of dollars of debt.

You're not going to be enjoying life for. a good long while. in order. So, what is the point of this. large sacrifice that is going to be. required that we've all gone through? Those that have been in bad debt like I. was and got out of bad debt. Oh my gosh. Okay, great. >> My third time, unfortunately. >> Well, that's even worse then, actually. But what's the point of going through. all the sacrifice? You probably just. took shortcuts like last time like you. just tried to do with your magic spell. [ __ ] But what is the point of the. hard sacrifice, long sacrifice that will. be required for this better life if you.

will not be long around to see it and. have the energy to be able to. participate in it? >> How do you know what kind of energy and. how long I'm going to live? >> Cuz you're fat. >> So. >> that means you're going to die earlier. and your energy levels are going to be. less. >> I don't know. >> Yes. >> Don't think so. >> Science does. >> Grandparents died at 99. >> Okay. How fat were they? >> Don't know. I don't I don't partake. I. don't I'm not checking people's BMI like. you do. I'm not over here doing that for. every person that I meet. >> Yeah, but that is very dependent on the. the statistical likelihood of long life.

Your grandparents, it doesn't matter if. you're related to them if their. lifestyles were good. >> No, their lifestyles are horrible. >> How do you know? You just said you. weren't checking. >> Just I wasn't checking their weight. >> You couldn't tell if they were fat when. you looked at them. >> I told you I'm not fat. So, that already. gives you the description of what I. think fat is. >> You know you're fat though, right? I No. No. I need to be very clear. Like, it's. not joking roasting anymore. Like I need. to be very clear for the sake of health. and sake of everyone out there. You. cannot think that this is considered. normal. >> I'm not fat. I'm not skinny. I'm not. fat. >> You are you you are fat. This is not an.

insult. I want to be very clear. But we. cannot do fat acceptance. It is not. okay. >> I wouldn't consider you fat either. >> A girl. I'm obese. >> Wouldn't consider you fat. >> How do you know WHAT'S GOOD FOR ME? THAT'S MY OPINION. >> It doesn't matter what you do. Science. does. It is not healthy. We are not. going to live long lives. My energy. levels are not as good as other people. My resting heart rate is not as good as. everyone else. I am more susceptible to. high blood pressure and diabetes. So are. you. These are not good things. And I.

can This is not the point of this. conversation, but the fact that we got. down it. I need to be very clear and it. is important for those watching. Accepting this as not fat is just not. the real world. That's not the real. world. And that is not okay. It's not. acceptable and it is not healthy or. normal. >> What do you want me to tell you? I'm not. fat. I was hoping maybe you'd kind of come. around and be willing to try to live a. just Yeah. Whether or not you live a. healthier lifestyle is up to you, but to. just accept this as healthy is kind of. unacceptable.

>> I never once said healthy. I just said. I'm not fat and I'm not skinny. >> Now that we're just on the topic, I just. I really can't allow people out there. to. The fat acceptance movement has led. to deaths and horrible health insurance. premiums for all of us. >> Yeah. That's why I don't have health. insurance cuz I can't afford it. Oh my. goodness. Oh. Um, that means you also could not afford. your mortgage. If you can't also afford. your health insurance while having. tenants with the mortgage, you cannot. afford this house. >> I couldn't afford health insurance when. I didn't have a mortgage. >> Then you definitely could not afford. getting a house if you couldn't afford.

health insurance. >> Health insurance is really expensive for. me. >> Girl, you make $90,000 a year. You can. afford health insurance. >> No. >> Yes. A few hundred a month for like the. minimum basic care catastrophic. coverage. Yes, you could. I can just go. to TJ. >> What? >> TJ? >> Max? >> TJ? No. Mexico? Tijuana? It's an hour. and a half away. >> I have an affinity for Mexicans. They're. like my favorite people. I love Mexico. >> And I just get my medical done there. >> This is not what is they're they're not. flying you to Tijana when you have a.

heart attack cuz you're a fat. >> flying. You drive. >> You're not driving an hour and a half. when you have a fat heart attack in a. decade. >> Okay. No, I'm saying in an emergency, you get in a car crash. In an emergency, you have a stroke. In an emergency, you. have a heart attack. A heart attack. I'm. talking about catastrophic things. >> Yeah. >> You are not going to Tijana. >> If I have to. Yeah. >> No. No. Oh, you're broken. Oh, you need. health insurance just to go see a mental. health person. You You can you not.

comprehend what I'm saying right now? You will be rushed to an emergency room. and you will be. >> Well, if I'm rushed to your emergency. room and I'm I'll just go to Mexico. afterwards. you. I don't know what to do with you. What is this brain? What is this brain? What? I just want to clarify. Uh, you don't. believe it is. So, you say it's. impossible for people to be debtree. >> Mhm. >> You want to have $2,000 of debt at all. time? >> You're not fat and you don't need health.

insurance. So, these are the four. pillars of truth that you are basing. your entire life on right now. >> Yep. So Lindsay, this is Riverside, California. This is this is what they teach out. there. I mean, in the desert between. >> No one really No one teaches you. finances out there. >> Well, no one teaches finances anywhere. to be very clear. >> Okay. So, I'm glad you asked what they. teach out there. >> Okay. [clears throat]. All right. And I know from the notes.

you've also like just just like you buy. crazy and like at one point you. literally just spent 800 bucks just in. one go on. It's like, and you're telling. me you can't afford health insurance? You How much do you spend in a month? I. have the actual answer, so don't lie. >> right now. >> Yeah. >> 200. >> And you're telling me you can't get. catastrophic health insurance coverage? >> No. >> You smoke too much. You have gone. >> I do not smoke too much. I have dropped. down a lot on how much we slept. If.

you're able to watch this back and. comprehend what is happening right now, I need you to realize you smoke too. much. You have lost it. >> I do not smoke too much. >> Okay, keep saying that and we'll see if. that makes it true. Let's search your. state. How much would catastrophic health. insurance at the lowest price possible. in California cost for a 29year-old. overweight woman. who makes $90,000 a year before taxes?

Let's shop some rate, shall we? I just I will never understand fat. acceptance. There's minimum plans by county. Covered. California publishes them. Covered. California screws up your taxes. >> Uh, it publishes minimum plan premiums. by county though. I'm not saying you. sign up for and do all that. Lowest. minimum shows $211. That's through. Kaiser HMO coin. I'm just talking so you.

don't get in an emergency. That's $21. I. $11 more than you spend on on a monthly. basis. And you're telling me you can't. get health insurance? [ __ ] you. You're. being responsible child. I quoted. through Kaiser and it came out. >> this you dumb tit. >> I did a personal quote with Kaiser and. it came out to. >> I'm talking about catastrophic coverage. Dude, >> you sell insurance for a living. You. have no you're talking about. >> I don't sell medical insurance. >> You just don't know what the you're.

talking about. You know, you can get you. can go through different oh my gosh. third party platforms and whatnot. And. California is very helpful when it comes. to health insurance. [gasps]. Okay. What do you think your financial. score is? 0 to 10. Zero being absolutely. horrible, 10 being absolutely. incredible. >> I think I'm like a good six, seven. >> I hate you. >> Thank you. >> If you want your financial score, get it.

at caleb.com. See where you stand in the. world of money. It is free. Only takes a. few minutes. You see where you're doing. well, where you're doing poorly, what. you need to do to improve. We'll help. you. So take it for free at. calebhammer.com. And if you don't want to be like a guest. who ends up on the show, obviously. you're going to need a lot more than. this for this type of guest. But make. sure you download the dollar wise. budgeting app, new features being added. every single month. It is literally. incredible with tens of thousands of. monthly active users for a reason who. are changing their life. Join them. Sign. up for the free trial. See if you like. it. Most people take the annual version.

because it saves about 50%. And when you. do, only through March I will personally. sign my budget friendly cookbook, mail. it directly to your door. After March, it's gone forever. >> Gone forever. Aaron Hernandez. >> can't be purchase, can't be anything. So, make sure you sign up. Dollarwise.app. All right, let's jump into these. finances, shall we? >> Freedom card. What's going on? >> The Freedom Card. That is the card that. I would use for all my daily expenses. >> Would Yes. Would. >> I You didn't just purchase $2,437.62.

on it, >> did I? Oh, well, yeah. I went Christmas. shopping for my family. >> Why is that more important than your. entire future and the goals you're. trying to do for yourself? You don't have children, so you don't. have to take care of them. You don't. have to give them a Christmas. What the. are you buying for? Not required. Not in. any way whatsoever. What are you doing? What Christmas are you buying for? Who.

are you buying for? You. >> I bought for my mom, my dad, my brother, my sister, my niece. That. That's all stupid. That's all stupid. They don't matter. Nissa Allah may be a. gift. >> Don't be disrespectful now. >> Being disrespectful. Absolutely. I don't. care. You Who are you? I'll be. disrespectful. You know what your savings account at a. traditional bank is doing for you? Absolutely nothing. It's basically a. storage unit with worse rent. That is. why I partner with Chime, who is. offering up to a $350 bonus right now. Their high yield savings account earns.

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set it and forget it money move. Oh, and. Chime lets you get your paycheck up to 2. days early. So, your bank's dragging its. feet, but Chime has already moved on. But the best part, right now, you can. get up to $350 with a new Chime account. when you sign up at chime.com/caleb. The. new year is right around the corner, so. get it done before then. You can scan. the QR code on screen or go to the link. below or chime.com/caleb. Let's get to. the show. Want to know a dirty little. secret? And no, I'm not starting an. only. You're not broke because you suck.

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Click below to get started. My show. >> Okay. And. >> I'm being disrespectful. The fact is you do not need to buy your. mother and father and cousin and sister. and all these dumbass mother gifts. >> I know I don't need to. >> Why'd you do it? >> Cuz I wanted to. >> So that's more important. >> It felt more important. >> Felt more important. >> Well, Mhm. If it is, then it's more.

important and the conversation's done. And that's fine. Listen, >> I will accept any. >> I know the holiday it happens every. year. It's not a surprise that pops up. >> It's not something that happens every. single month, >> but something happens every single. month. And the fact is the credit you. with where you are in your debt with the. month before this, with the month now, your debt staying about the same. There's always a replacement. Next month. will be a vacation. Like that's what's. always going to happen. Christmas is not. a surprise. This isn't something that,

oh, it's Christmas. Like, you. intentionally did this and it happens. every year. It's going to happen all the. years for the next couple decades that. you stay alive because you're fat and no. longer than that. It will always be. there. >> I don't think it will always be there. >> Christmas will not always be there. >> It's cuz I don't do Christmas. WHAT? COME ON. I don't do Christmas like. everybody. Okay. I don't buy gifts once. a year. I buy gifts every two years. And. this was the year of gifts. What are you even talking about? That is.

a you thing. You do not have to be a. complete [ __ ]. >> I know it's a me thing. I never said it. wasn't. >> But you don't have to. >> I know I don't have to. >> Then why excuse that? >> Because that's what I want to do for the. people that I love. >> them. >> No, they they care for me and they help. me. So. >> yeah, you can help them in so many. different ways. And what do you can give. Oh my gosh. Listen, you can do. thoughtful things that don't require. thousands of dollars spent. They get you. away from your goal when you're barely. even able to cover your owning mortgage. and you're definitely getting worse and. worse and worse and worse. >> And that's what you should have done. How much did you spend on Christmas, you.

>> um. probably those,000 something Christmas? Yeah. >> No, but but no, no, no. On this card. alone, you spent $2,43762. >> Yeah. There's um other charges on there. than other than Christmas gifts. >> If you only make your minimum monthly. payments and you. >> which I don't. >> and you do not purchase which you're. incapable of, how long would this take. to pay off this card?

>> If I just do the minimum payment. purchasing of which you're incapable of. $110. >> $110. >> Doesn't matter that you put a little. more towards it. You put 400 cuz you. spent $2,500. So, shut the [ __ ] up. If. you only make your minimum and you do. not purchase, of which again you are. incapable of, what then? And how long. would it take to pay off? >> Uh, well, I don't know. What's 110. divided by 4,000? Cuz that's how long it would take me to.

pay it off. >> How long do you think? >> I'm I'm not doing math in my head, >> girl. My goodness. I'm just trying to. see your assessment of your financial. situation of where your brain's at. >> Maybe a year. Okay. It takes 14 years. the rest of your lifespan. >> Why would it take 14 years? >> I don't ever pay minimum payments. So. that's why. >> it doesn't matter when you purchase uh. literally what was it? Five times what. you put towards it. You purchase five. times what you put toward I don't care. if you put more than your minimum. payment. If you put five times what you. paid towards it doesn't matter.

>> I don't always put that much. It just. happened to be that much because of. Christmas. >> My goodness. You said you only spent. a,000 on Christmas. So, so then you. would have spent an extra,437. outside of Christmas anyway when you. only put 458 towards it. So, shut up. You still put three times No, no, no, no, no, no. Yeah. Yeah. Three times what. you put towards it on [ __ ] that was. outside of Christmas. >> So, what are you talking about? >> It wasn't [ __ ] It was things that I. needed. >> YOUR BALANCE IS OVER THE CREDIT LIMIT,

YOU. HUH? IS IT THAT IMPORTANT? >> IT WAS to me. That is because we've. already established you are a broken. individual who needs to seek mental. health care immediately. It's all. [ __ ] It's literal all [ __ ]. You you are you are insane. Tik Tok shop which casket. What are we. doing? What are we doing? Google micro. Shut the up. What is microfund? >> It's a game. >> Doing.

>> uh it's called Gossip Harbor. It's a. little game on my phone. You just make. >> what do you do? >> You just make what they ask of like the. c There's like people they ask of. things. You have to make them and create. things to unlock things. >> And you pay for this. >> I paid as a distraction. >> What were you distracting yourself from? >> My grandfather passed away. >> Well, that is sad. >> So, I use the game as a mental block. Normally, I can only. >> Do you not have a therapist? Do you not. have friends? Do you not have a support. system? Cuz you need more healthy coping. mechanisms than destroying your entire. life because something truly sad.

happened. >> I do have a therapist. Okay, then what. the are you doing? Because destroying. your entire life because something again. I will say is very sad and I'm sorry. that happened but you do not destroy. your life because of it cuz then you. have double bed. >> It was. >> that makes it extra hard. >> It was definitely a difficult moment for. me and I fell into the just wanting to. block out my brain. >> So that's what happened cuz normally. when I play the game I only. >> what's that? What is it? >> Shia xeris. H sia hel i.

[clears throat] s i a h e l i x i s. >> Ah, it's uh body oils. Anointing body. oils. >> For [ __ ] what? >> Witchcraft. >> Are you actually all into that [ __ ]. >> Yes, I am a witch. >> It's not just for fun? >> No, it runs in my family. >> What? Yes, it runs in my family. I have. aunts that, you know, do cleansings and.

see dead people and um. >> they see dead people. >> Yeah. Um we lived in a haunted house. My. mom saw them. U my brothers played with. them. Um I carry ghosts with me. Um. yeah, I'm very into this. This is Yeah, it's in my blood. It runs in my family. Uh. >> bro, I'm going to have to level with. you. This [ __ ] don't look right. >> I'm going to let you process that. Okay. And peacock. >> I canceled my peacock. >> You bettering have because it's.

pointless. It's stupid. Uber Eats. More. Tik Tok shop. Uber Eats. Microphone. again. There's the mobile app game. Tik. Tok shop. Microphone. Disney Plus. Microphone. Tik Tok shop. Tik Tok shop. Tik Tok shop. Tik Tok shop. >> Tik Tok shop was Christmas shopping. >> I don't go wrong with that witchcraft. stuff. That that's that [ __ ] scares me. >> Why? It's not scary. >> Oh, cuz you could do something bad to. me. >> Why would I do something bad to you? I. hope you don't. >> That's not There's different ways of. practicing. >> Oh yeah. Jack and Crack witch week.

Let's do this. >> Okay. There's people that do that and. that they want to work with that. That's. their deal. They want to do that. I. don't touch that stuff. I work in light. I work with. >> something bad to Brandon. >> No, I don't do that stuff. >> No. Do something bad to him. He's He's. nasty. >> Whatever you put out to the universe. comes back to you. Even if you assist. with it. So, I don't touch that kind of. stuff. I only do what? Helping, protecting, and cleansing. That's all I. deal with. >> Pour more Tik Tok shops. Microphone. again. Spotify. Microphone. Microphone. Microphone. Microphone. Uber Eats. Uber Eats. $94.95 THERE.

MICROPHONE. TIK TOK SHOP. THAT LATE FEE. IS HERE SO far and hundreds in interest. Hundreds in interest. >> Yeah, that's my that's my bad card. >> It's your bad card. Why Why would you. even allow there to be a bad card? Okay. Use the Fizz card. Debit card that. builds credit. A lot of people out there. use it who are not credit card people. Helps benefit their credit because you. care about your credit. I would just do. that instead of disclose this. going to. have access to it. You're broken. Um. uh I mean you already have a good. career. I I'll get you a course career. certification as well as an extra tool.

Um a lot of people out there use it as. well. But um you already have a good career. There is the sales one in there. Could. help you turn it around cuz you're. starting to fail. 1027.49% interest rate. Listen, $964 on. the Tik Tok shop is actually insane. What the is wrong with you? You pull up. your Tik Tok shop. >> It was Christmas. >> Pull up your Tik Tok shop. >> It was Christmas. >> Pull up your Tik Tok shop now. Christmas. You're a witch. >> Yeah. And. >> do they celebrate Christ? >> Does my family? We don't. Yeah. What are.

you talking about? >> I think witchcraft is very against the. Bible. >> No, it's in the Bible. >> Uh, is the Bible in favor or. anti-witchcraft? >> No, the Bible is witchcraft. >> What? >> Yeah. Um, you shall not permit a. sorcerer to live. Exodus 22:18. Let no one be found among you who. practices divination or sorcery. Anyone. who does these things is dissestable.

to the Lord. Deuteronomy 18 something. I. will be swift to testify against. sorcerers. Um, there's actually quite a lot. >> Yeah, >> the acts of the flesh are obvious. Adultery and witchcraft. The cowardly and unbelieving, those who. practice magic arts will be co-assigned. to the lake of fire. That doesn't sound. very good. I don't like the lake of. fire, wherever that is. Not a place I. want to visit. >> That's not my fault they wrote their. book against the things that they do.

>> Well, I'm just saying. >> they do rituals. They do blood rituals. >> Huh? Of humans. >> No, the drinking the body and blood of. Christ is a blood ritual. >> Oh, >> like it is. >> I don't know if they qualify that as. that, but it goes against their little. book. >> Well, I just thought you said you were. in that. If you're not, it's okay. I. don't care. >> The Bible is different from Christ. I. believe religion and God are two. separate things. >> Oh, listen. I mean, I don't care what you. believe either way. I was just the the. the hilarious confliction of witchcraft.

and that is. >> very interesting. Okay. I don't even know what the this. [ __ ] is. Okay. You got like a a cord. cover. Very important. >> Oh, that was for the oven. these little. soft fluffy things. Uh oh. Start screen recording, please. >> Oh, >> well, chat can know what the you're. purchasing. >> You want just the media or the mic?

>> Oh, just media, I guess. Almost $1,000. It's crazy. It's crazy. It's crazy. 8% of the cost. 8% of the cost for what. you just did here. You could have signed. up for our master your money program. with all of our classes, premium version. of the budgeting app, and you could have. actually changed your life. Like. literally tens of thousands of people, but yet you just do Tik Tok shop. This. is crazy. >> It was crazy. >> The value of things out there that can. actually benefit you versus just [ __ ].

around. Okay. And some [ __ ]. Eminem jewelry [ __ ] Gingerbread. on a plate jewelry. Stupid. Some cloths. Chick quality boost. Hair. [clears throat] Nasty ass [ __ ] More. hair [ __ ] Some towels. A fake rose. Another cord hider. [laughter]. A drinky sippy cup that is glass and is. a teddy bear. A jewelry holder. I think. maybe a bag. Another bag. A fan.

Electric handheld fan foot cream. I. don't even know what this is. You're. just getting the most random [ __ ]. that I've just You need to live a simple. life, dude. This is so You're over. complicating everything. Pens. Okay, that's not the end of the world. But you. go cra What? Like, what even are these? >> I don't know what you're looking at. >> Vacuum. bag set.

>> Okay. >> Yeah, I needed that for my trips. >> No, you don't. Shut the [ __ ] up. Another. bag of some kind. Some chips, I think. A. an Nana shirt. A sweatshirt. A book. Oh. my gosh. An A your sister shirt. What. the are we doing? Christmas shopping. Um, cleaning planner because everyone. has ADHD. Tik Tok. Tik Tok brain. >> Oh, I don't have ADHD. >> Gloves. Great. >> Another little book thing. Some shoes.

A cleaning [ __ ] Some sunglasses. Oh. my gosh. This is all [ __ ] What is. that? Is that a belly button piercing? >> I don't know, >> girl. Just lose weight. We don't need to. focus on that. >> No one should be seeing that [ __ ]. anyway. >> Unless you lose weight. Okay, that's a mess. I barely even went. through your Tik Tok shop and that was. aing mess. The balance on this is. horrendous. Sapphire Preferred. What the.

are you doing? >> So, the Sapphire. um. has my Europe trip on it. >> Oh my goodness. When when. >> when do I go to Europe? >> You haven't yet? >> No, I go in April. >> What did this cost? You animal. You. beast of a creature. You can't even pay. your mortgage. >> I paid 9,000. >> 9,000? >> MHM. >> FOR WHAT? >> FOR 35 DAYS AROUND EUROPE.

WHERE ARE YOU GOING? >> UH, BARCELONA, AMSTERDAM, LONDON, GERMANY, ROME, ATHENS. >> How can you even take that much time off. of work? >> Because I can. >> Should you? It's all commissionbased. You. >> I get hourly, too. >> Yeah, but you know that's tiny. >> I mean, yeah, but I'll still have it. when. >> Yeah, but you don't you already can't. pay your mortgage and then you're. spending $8,000 on an interest ac. which means, by the way, you already had. an extra 6,000 on here, 7,000 on here. >> [laughter].

>> THAT'S CRAZY. AND THEN you're going to. throw away your income for a whole month. and a week. Why? >> 30th birthday. I already turned 30. No. one gives a No one cares. No one cares. The only people that care about. birthdays are in your community. The. kiniera. What is that? No one gives a. about 30. Nothing happens. You don't. need to blow $8,000 that you definitely. cannot afford and also take away from. your income that you cannot afford. No. one gives a. >> to be fair. I paid for Europe. Well, I.

purchased the trip 2 years ago. I I. booked my trips 2 years in advance. So, >> pause you. Number two, you've had this balance on. here for 2 years. >> No, I. >> So, what the are you talking about? Shut. the [ __ ] up. >> I just didn't have to charge it until. >> So, it's not purchasing it. You. >> It is purchase. Everything is set to go. The only thing is you just have to make. the initial payment and then afterwards. you just have. >> What was the initial payment? 700 bucks. [laughter]. >> No, you put a down payment down. You're.

a little 24 years. This is that's that's like a third of a. life. >> I don't ever. >> About a half a life for the lifestyle. you live. >> Yeah. Well, I don't ever pay the just. the minimum balance. So, I've never. actually have debt that long. >> Shut the [ __ ] up with that. And also, yes, you only pay the minimum [laughter]. balance. >> Oh, that one. Yeah. >> What do I Shut the up. >> It's cuz I'm doing the snowball right. now. So, that one only gets. >> snowball. Yeah. Snowball. >> Yeah, >> you snowball. What snowball are you. snowballing? You look like a brown.

snowball. [ __ ] snowball rolling down a. hill. You literally are dressed like a. snowball. What are. >> you TALKING ABOUT SNOWBALL? NO snowball. method in any world whatsoever has you. spent $2,500. just because, oh, Christmas and Tik Tok. shop happen. Snowball. [ __ ] your. snowball. You've never heard of. snowball. You don't know what a snowball. is, so you've never seen a snowball. [ __ ] you. You live in the desert. Shut. the [ __ ] up. Snowball. >> I've done it twice. >> Snowball method. You obviously. ineffectively cuz you're here today.

None of it matters if where you are. today is K. I don't give a Huh? Piece of [ __ ] What. are you talking about? Snowball. No. snowball method, which there's only one. snowball method. It's called the. snowball method. Suggests spending. $2,500 on an interest recurring credit. card when you only put $400 towards it. Snowball. What are you talking about? [ __ ] you. What? You're not snowballing. Never say that again in your life. >> That is what I'm doing.

>> No. Objectively, no. That is not the. snowball method. You. >> look, just cuz I spent money on. Christmas doesn't mean that's not what I. was doing prior to that. All right. Just. because I spent that much for Christmas. doesn't mean that's what I was doing. prior to that. >> Doesn't matter. That's not the snowball. method. >> But that is what I'm doing. So that's. >> If you cancel your trip, will it. >> I'm not canceling my trip. >> If you cancel your trip, would it Would. you get your money back? How would it. work? >> I don't know cuz I'm not doing it. >> Why? >> So I never looked into it. >> Who cares? Just do it, but you can. afford it. >> No, >> you're going to be single forever. anyway, so it doesn't matter. >> I want to do it. >> You can do it whenever you want to do. it. I don't give a [ __ ] about what you. want. There's needs. You can barely take.

care of your needs. You need an income. >> My needs are met, which. >> your needs are barely not met. And one. person leaves in the traveling nursing. brigade and you're. >> not really. Yeah, >> it's happened already. So, >> and you got you winded t. What are you. talking about? Shut the up. Snowball. >> Yeah, I'm not canceling Europe. I'm. going to Europe. It's my 30th birthday. It's my birthday. >> Why are you here if you're not willing. to make any sacrifices? whatsoever. Why. am I wasting my time with you? >> I am willing to make sacrifices. I'm. just not canceling out. >> Well, that seems like uh the pretty. basic sacrifice. >> No, I mean like No, like I'm not going.

to do any more traveling after for a. while. >> Says every person that's addicted to. endlessly doing the thing that they do. four times a year. Shut the [ __ ] up. Not. traveling, snowballing. Shut up. People. can't live debtree. Shut up. Not fat. Shut up. You don't know what you're. talking about. You don't live in. reality. Shut up. >> I don't live in your reality. >> What? I'm just in reality. What am I. saying that is not real? >> All of it. So, >> good one. Got me. Nailed it. >> I mean, I am doing the snowballing. I am. going to stop traveling. I don't.

consider myself at. So, I mean, all of. it. Like, what did you. >> The entire medical community considers. you overweight, almost obese, soon to. be. And that's if you even told me your. correct weight, which women. >> Oh, okay. >> So, >> so. >> how can we just say that that is not the. case? Again, medical definition or BMI. is perfect. No, but you come on. It's. not like you got muscle. >> Okay. >> Okay.

>> But yeah, I'm not canceling that trip. So, >> well, I'm being told you need an. additional $2,500 in spending money to. go across. >> Uh, that is the goal. Yes. [laughter]. Haha. And how are you doing that? >> Uh, my dad's giving me 500 for now. >> Spoiled. >> Yeah, I am spoiled. I'm aware of it. >> Enabled. Disgusting. >> Very much so. >> You'll never get anywhere in life. >> It's called being blessed. >> No, it's called getting enabled. >> It's called being blessed. >> Nope. So, >> keep going. Where's the other coming. from? >> Um, >> again, can't pay your bills. >> Waiting for my travel bonus. Seeing what.

that is. >> Travel bonus. >> Mhm. >> What travel bonus? >> The bonus that I get that helps pay for. my travels. What? They're giving you a bonus for. your vacation or what travels are you. talking about? >> So, I get paid based on the sales for. the year. I get a paid travel bonus. >> Do you travel for your job? >> No, it's like a. >> what? >> It's what my boss gives us. >> This is the annual bonus. >> No, >> what happened? >> Well, my first attempt at building a.

budgeting app, it it didn't go over. [music] very well. So, I'll rewind. After hundreds of financial audit. guests, one pattern stood out. People. weren't failing because they try. They. were being handed crappy tools that. weren't built for real life. So, I tried. to see if I could fix it. In January. last year, 2025, I launched an app. driven by the belief that budgeting. shouldn't feel complicated or. intimidating. [music]. I had good intentions, but the first app. was a complete dumpster fire. I was.

trusting the wrong developer and that. partner cost us thousands and left my. customers with the buggy app [music]. that only kind of worked. And that. failure forced me to ask a question that. I couldn't avoid. Do I walk away or do I. try again? Ultimately, [music] I chose. to double down and commit to building a. new app the right way myself and an. incredible team. Every dollar that I. made from YouTube went straight back. into the product. No investors, no. shortcuts, just the belief that I could.

change lives with [music] a better. approach. So, we rebuilt the app again. and again, 38 different versions in. total. [music] I obsessed over every. single detail that most people wouldn't. ever notice. And that's because if this. app was going to go live, it had to work. for real people [music] with real lives. So, everyone who stuck with me and my. team shared their feedback and believed. in what we're doing. Thank you. >> [music]. >> You help shape what this has become. This is my vision for the future of. budgeting and I'm just getting started.

Dollarise 6.0 is finally launching on. February 17th. Rewrite your money story. Learn more at dollarise.com. We're so [ __ ] back. It's a winwin. You get money and I get money. These are. called affiliates and you get that sweet. sweet cash for signing up for some. amazing products. The first one is. Chime. This is a checking account that I. personally use and you get up to a $350. bonus with the new Chime checking. account and earn up to 3.5% APY on your.

savings. And second, [clears throat] my. investing app of choice these days is. Weeble and get a 2% match on all of your. money that you transfer over. And. finally, sign up for automated investing. with Acorns. Typically, the signup bonus. is only five bucks, but with my link, you get $20. Ladies and gents, you get. money, I get money. Enjoy. Links are in. the description below. What the are you. talking about, dude? How much was it. last year? Your travel bonus. >> Last year's we did uh. >> We did. >> 3,500.

Yeah, I was trying to think of what. level we hit. So, it was 3,500. >> Okay. Sounds like this is an extra bonus. for hitting some kind of company goals. Dude, literally all they hit your. account last month was 2,00. 646. What the. >> What is that? The freedom one or which. are you looking at? Oh, that was all. that hit your checking accounts. That. was your entire income source. Pay. >> Oh, it doesn't have the other check. That's why. >> Why would it not have the other check? That's why. >> Because it that doesn't show up on that.

statement because of when I get paid. I. don't. >> Why? That's an entire month's worth. You. should have it within there. Even from. the previous month. >> No, because when I sent in the. documents, I got paid the next day. >> Did I Why would it not have the previous. month's pay then? >> I don't know. That's the statement that. >> Okay. What hit the next day? >> Uh the next day was uh $2,35. >> So, you made a total of 5,000. Yes. >> How much did you spend within that same. period? What was the outflow? >> I don't know, honestly. >> Okay, how about you guess just based on. the lifestyle that you lived? Do you not. know how this works? I know you've seen. the show. Oh my goodness.

>> Um. >> I know I'm being cranky, but she's seen. the show. >> Isn't. 40. 60. >> Too much. Too much weed. What? Like 600. >> Huh? >> Maybe like 600. Lindsay, I think I think you have found. financial audits most guess. Can that be. the title? Yeah, financial audits most. guess. We might get cancelceled for it, but I think that is the actual title. Put it in the notes. That is the title. It's official. Financial audits most.

guess. I mean it's just like you're. broken. Like it was $8,000. >> Oh. Oh, it wasn't. Was it really? >> Just stay in Europe. You belong with. them. Interesting like crazy. plan fee for a. ticket at world thing you did. Oh my. goodness. $574 of uh fees this year. I. don't know if they're purchase fees, late fees, whatever, but it's insane. with almost 1,000 in interest. What the. are we doing? You've had fees up the. dick. Why are you missing payments most. likely? What are you doing? I'm.

>> not missing payments. >> You probably are. >> No, I'm not. I'm miss pay. >> That's way too much. That is not just. the annual fee. >> Um it's the annual fee plus the uh fees. for the payment plan. >> Two bucks a month. How many payment. plans have you had? >> I think on that card there was a total. of six. >> Oh my goodness. Why? Why do you want to. live that life where you just lose. money? You make money. You could. purchase things and would just debit. instead of pay why pay an extra 30% on. everything. I just don't understand. >> Uh it was the cheaper option instead of.

>> letting it's 30% extra. >> But it was cheaper when the payment plan. because the interest was. >> with the fees. Okay. Why pay an extra. 15% on something you're buying? Why go. to McDonald's if they're and like buy. something and choose an option where it. costs 15% more? Because that's what you. were doing when you purchase these. things. Oh my goodness. Okay, great. It's uh 13% more then. >> Why still do that? What's your logic? Yeah. Okay, the two points are like 2 to. 4%. >> But you're still losing 15.

>> But I've used the points multiple times. to help pay off the credit cards. >> Okay, I'm about to give. up. Let's keep going because I'm gonna. [clears throat and laughter]. Oh. Oh, the balance is so big. Bank of. America, what is going on, lady? Tell. me. >> Uh, Bank of America is a water. filtration system and some. >> home ownership. Every single person that. gets on the show that can't afford a. home immediately gets water filtration.

27 years to pay this off. By the way, [laughter]. with $109 a month, you're ruined. Good. luck. Water filtration. What's wrong. with your desert water? >> A lot is wrong with the desert water. >> Buy the house then. Couldn't afford it. Stupid. >> I can afford it. >> Yeah, sure. Incredible argument. With fees of $438. this a year so far. Promotional APR, it's going to be. 25.74%, but that ends in.

>> August. Wow, you actually know. something. That's kind of crazy. Why'd. you know that? >> Cuz I know when the zero interest runs. out on all my cards. >> Well, [laughter]. it's the one thing you track. >> No, that's horrible. But I'm glad you at. least track that. But Oh, you have solar. panels, too. >> Why? Why are you doing all the. >> No, I have to have solar panels there. It's It's 100% electrical community. >> What? >> Yeah, >> every community is an electrical. community. >> We don't have any gas lines. It's 100%. electrical. >> Great. pay for electricity,

>> dumbass. >> No, the contract requires you to get the. solar panels. >> Why would you purchase that then? That. is a horrendous contract. >> It was my house. That was my house. >> That's stupid. There is, by the way, like there's like five different houses. and the electric when I did have an. electricity bill cuz you have a solar. bill. >> Yeah. Which is cheaper than what the. electricity bill was. >> Yeah, but this is a debt. You don't have. a debt on your electricity. It's the same thing.

>> No, it is not because you can move. You. can do all this stuff and cancel uh your. energy plan and move into an apartment. or whatever it might be. Who knows? But. you cancel it's a lease. You lease your. solar. The lease brings you out through. an end of your term. Usually, you can't. just cancel it in the middle of it. >> No, I mean, but if I. >> Well, there you go. You're not leasing. your electricity. You're locked into a. contract. Solar is not necessarily. always bad. But all I'm saying is you. signed up for a mortgage that is 7% of. your income. Immediately got a water. filtration system on a card that you. cannot pay off that is about to start.

acrewing a ton of interest in just a few. months and immediately got solar in a. lease program. What are you talking. about? You immediately made all the. choices that cost more money. >> The solars came with the house. I had to. get it with the house. It was a part of. the contract for the house. There was no. out of it. >> Get this then. >> There was no getting out of it. It was either lease or buy the them. So. I leased them. >> No, the other option is don't buy a. house like this. >> That was my house.

>> Financial audits most guest. It's my girl. There's literally like 15. different variations and houses across. this entire country. You would find another one just like it. somewhere else. Yes, you would. I don't. want to hear it. As someone who's very. much into real estate, okay, let's be. honest. Fine. A 100 different. variations. >> Okay. across this entire country. >> that is 10 minutes away from my work. >> Maybe. potentially. you bought a KB home. Yes. >> Yes.

>> Mhm. >> 10 minutes away from my house. [laughter] No. >> Oh, shut the up. Best Buy. What' you do? What'd you buy for your little house? You special little house girl. >> Uh washerd dryer refrigerator. >> Yeah, you did. Oh, the pre-built theing. designer [ __ ] KB house didn't even. come with any utilities. You could have. paid for them, but they were more. expensive and I don't want to include. them. >> This is stupid. You could not afford. this to save your life. You financed. everything. Probably financed your 2.5%. down. >> No. >> Oh, thank.

you owe $1,920 on this. 17 years to pay. off with a $30 minimum monthly payment. Let's see when this is 0% interest. You've got a lay fee this year. >> Yes. >> No, I don't. >> Yes. Yes. Literally yes. >> No. >> Yes. Literally yes. >> I That's impossible. >> Nope. It literally happened. That's. That's. >> Where does it say that? >> Right there. That's how much a late fee. costs.

>> No, it's not a late fee. >> It can't be late fee. >> Got it. Okay. Well done. That means I. guess you didn't get it cuz you believe. hard enough. >> No, cuz I pay that card twice a month. >> Yeah, but you missed it once. Maybe you. didn't have maybe when you pick put. pushed pay, you didn't have enough money. in your checking account and it bounced. There's lots of ways for it to be late, but you've had a late fee. And now I. don't believe you. On the previous card, you said you've never had a late fee. >> Cuz anytime any guest in the history of. the show says they've never had a late. fee, they always have a late fee.

>> Shut the [ __ ] up. I don't want to hear. it. Just close your mouth. >> Something every human has probably said. to you in your entire life. Okay. Why do. I have your State Farm life insurance. policy? Please pay this 385 a month. >> Yeah, that's the monthly. Mhm. >> Who's getting your life insurance? You. have no one. >> Uh my niece. >> Why? >> Cuz I love her. >> Why not just invest and make more money. and have that go to her? >> I mean, I plan on doing that as well, but that was just. >> Do that instead. Make more. >> I mean, the policy that's going to be.

paid off in 5 years, so. >> paid off. What? Oh, it's a loan. >> No, it's a 10ear loan. >> I mean, there's a loan on it, but. >> your policy, >> it's a 15 pay life insurance. So it pay. you pay it off in 15. Yeah, >> this has to be whole life. >> It is whole life. >> Whole life is so stupid for someone in. your income situation because it is not. going to make that as the the actual. difference. >> You pay whole life, you pay it off in 15. years. You don't have to make any. payments towards it. >> I just don't understand so much more. money with outside of it though. Usually. the only there's like 1% of the. population that can actually make more.

money off of a whole life policy and it. is those who are beyond wealthy because. it makes more sense to borrow against. your whole life policy than pay your. taxes by ex exiting equity positions in. no way. If you were just investing in. the S&P 500, I guarantee you would have. done better. >> Yeah, but I mean it was something that I. got on 16. >> It was something. >> they sold you a life insurance policy at. 16. >> My mom opened it for me. >> Oh, your mom's a piece of [ __ ]. >> Why? It's the best time to get life. insurance policy when you're younger. >> Whole life. You.

>> It's a 15 pay. It's not a whole life. It's a 15 pay. You. >> just told me it was. >> It's a 15 pay whole life. You only pay. it for 15 years. You don't pay it whole. life like a normal whole life policy. >> Okay, let me read this. >> And what would she get if you died? >> 100,000 plus the acred uh cash value. >> But you took a loan out against it. >> Yeah, I don't have to pay back. Oh, >> I took out some cash value that was in. there. >> Well, hold on. Hold on.

>> Cuz I don't even trust how you're. talking about things cuz I just can't. take your word on it and I don't. obviously have the full contract in. front of me. So, like, what the am I to. do with this? >> Would you like for me to explain to you. the way insurance works? >> No, because hearing you, you don't think. you're fat. I don't trust you in. anything. You're literally You know. nothing about anything. So, shut the up. I don't want to hear anything from you. I mean, you might explain it for what. you think happens. >> No, I can explain to it.

>> Shut the up. No. >> Well, yeah. >> Okay. So, after you pay a total of. $462,73. towards it, she gets $100,000. Is this minimum payment that this is? It's been 385 a month forever. Is that. after you took out your loan? >> No, forever, >> girl. 385. * 12. * 10 sorry 46,200. there's something there's something what.

am I not getting here okay okay let me. get this. cash value is only 10,400 in there. >> right now because I took out. >> you still get 9,000 an interest of 5.8%. 8%. >> Mhm. But I don't have to pay it back, so. >> Well, yeah, you're not going to get access to it. >> Your annualized premium is $1,332. >> And this was a loan for your down. payment of your house. So, you did. borrow for the down payment of your.

house. >> I don't have to pay back. No, I took out. from my cash value. >> It's not really a loan. >> I took out from my cash value. Any loan. interest not paid within 35 days of the. due date will be applied to the loan. balance. Loan payments received during. this time will be applied to the loan. interest first. Yeah, you're just borrowing from. yourself at a higher interest though. >> But I also don't pay that. It gets accured to the loan. So something was to happen.

>> Shut the [ __ ] up. I don't want to hear. it. I don't trust you for anything. I. mean look if something happens to me. then uh what will happen is they will. take out of the cash value first to. cover whatever loan balance I have and. then from there they'll take out. >> I don't trust you for anything. >> but I know that policy back to back. >> No. >> Mhm. >> Mhm. >> I don't trust you for a single dick of. information in this entire world. I will. never. 15 year. I haven't with 15 years. So I'm. learning a little bit.

but Okay. Okay. And listen, going into. this 15-year thing, essentially it's. just forcing you to pay it quicker. Again, usually the benefit is allowing the. money to grow a little taxree, but being. able to borrow it from yourself when. you're wealthy instead of having to sell. equity positions. For you, it is forced. savings. It's working as a force. savings. However, even still, this money. that you put towards it over 15 years. would be worth maybe $250,000 if it was.

put in the market cuz you're essentially. getting a low interest savings on this. >> It's just a bad investment. It's a bad. savings vehicle. It's for savings likely. because you have absolutely no. discipline whatsoever. >> It is for savings. >> Yeah, but it's [ __ ] savings. >> cuz you would have more than double by. the end of that 15-ear term if you were. just investing in the overall market. Yeah, but at the time when I got that. perhaps that was 15 years ago or 10. years ago, sorry, when I got it. >> Yeah, but I would just try to get out of. it and just start building up market.

investment. >> I do plan on doing that, but I'm not. getting out of that. Why? >> Because it's almost done being paid off. >> and it will continue to acrude. >> It will continue to acrude cash value. >> Low. Yeah. >> Yeah. But it will continue to acrude. cash value. >> Dividend is insanely low, it seems. I mean, your dividends have only gone, you're almost done, and it's only gone. $1,133. of the $100,000. So, you're getting a. like a 1%. >> because I% cuz I took out the nine. >> Okay. So, over the last 12 years though,

you got less than 1% a year, >> I guess. So, yeah, >> that's horrendous. >> It's just a savings, an additional. savings. >> No, it's you just gave them free money. for them to go invest and make a lot of. money while you got nothing is actually. what just happened. >> I mean, I do plan on investing. It's. just not something I can do right now. Well, because of this because this is. forcing you to 385 a month. So since 16 what are you 29? Okay. So 13 years. So it's done in it's. done in two years.

This is what it could have been. [clears throat] instead. By the way, the. market's done in much better than 12%. over that time, but I'll just let's just. do 12% to be conservative. Either way, for the 12 years, no, it's been 13 years. and an addition of. 385.86. a month. Yeah. $150,000 instead of 100. You lost $50,000 doing this. >> Okay. >> Okay. >> Okay. >> I mean, but there's acrewing cash value. on that policy always and forever. So, I.

mean, maybe at some point it will be. more than 150 if I don't touch the cash. value again cuz that accrudes cash value. for life. And it's [snorts] kind of. shitty because that entire time like. yeah it'll pay out even when you're 90. it'll like pay out but it'll pay out. 100,000 whatever plus the dividend which. is going to be almost nothing where. instead 100,000 would have been growing. in the market. This is a [ __ ] policy. dude. >> Again you're not able to take advantage. of the actual borrowing against yourself. like most people do and you borrowed. against yourself.

to your down payment. So again you're. never you never actually put any cash on. the table. I did um but. what was it only7,000. because they used the initial 10. cuz the 10 was a deposit to hold the lot. that were going to go towards my down. and then I had to put an additional. seven. [clears throat]. >> So you haven't paid anything towards the.

loan. Obviously, interest will keep. compounding on it, which means the death. benefit is endlessly shrinking if you're. really caring about the impact of your. niece. So, >> there's three other life insurance. policies, though. >> Sure. But it's endlessly compounding cuz. you're never touching that loan, which. means whatever she might get is going to. be absolutely practically nothing. >> on this one. Yeah, maybe. On the other. three, she's like, >> "So, what's the point of you even having. it then? You essentially threw $350 away. every single month for you to get. 10,000.

What the [ __ ] are we doing? Go beyond. stupid. It's horrible. >> It's stupid. Oh my goodness. She has. four life insurance policies. I'm not. even going to look at this. Is soing. stupid. Okay. Kia finance. So you got a Kia, huh? An 84mon ter. You do everything wrong. Low savings, high payment plans for car. What's the Kia? Uh, it's a forte. >> year. >> 2024. >> Oh, you got it the same day as the.

house. >> Yeah, >> girl. You're you're financial audits. most guest. >> Yeah, the day that I got the key. >> Audits most guest. >> I didn't have a car at the time. >> It's official. It's happened. Financial. audits most guessed. Ladies and. gentlemen, it's back. It's 2026 and you are the. definition. What's the interest rate again? >> Uh, on the car. Yes. Oh, [ __ ]. >> I don't know. >> You don't know the interest rate? >> No, I don't remember the number. I.

remember what it was when I did it, but. I don't remember what it is now. >> Well, I doubt it's a great interest rate. and it's going to be all the way through. 31. 2031, which is crazy. Oh my gosh. We're getting the value of. the car, but looking at your house, we. already went over it. You have like a. $50,000 equity position, which is about. 8.5%. Okay. In the house itself, you owe $476,967.73.

Interest rate basically 7% and it is. $4,22753. a month. That's insanity. >> Mhm. >> In crazy sanity. What is wrong with you? What is wrong with you, dude? It's soing crazy. the way you live your life and the. moment you signed up that thing that is. 70% of your income and you went and got. a car payment. You [ __ ] I don't even.

know what to do. >> I needed a car. >> Shut the up. Could have got a $10,000. I. don't even want to hear it. Shut up. $200 in our checking account. Who would. have thought? [snorts] Starter Bros. Donut Star. Chick-fil-A. Tobaca. Veneers. distributors. Let me see them. >> I don't have veneers. >> Vent tenners distributors. I don't know. It's marked as food. $1724. [ __ ] Savings went up from $32 to 62.

>> That's the count that I pay my mortgage. payment on. >> Where's your retirement? >> Um, I don't have one. >> Die. Well, thank goodness you have a. life insurance policy that's doing. absolutely dog [ __ ] nothing. >> I have four. >> That are doing absolutely dog [ __ ]. nothing knowing you. >> The other ones are fine. >> Doubt. What do you think your car is. worth that you owe $21,423. on? >> I don't know. I'm probably 16. >> Yes, I guess if you endlessly guess, you'll. eventually get one right.

You got that one right. Financial audits. G most guessed. Maybe. no longer, but or that was just a. Rainman game you just pulled on me. All right, let's try to budget this. thing. $6,200 a month. Annual bonus. You. just got to flex that out on a monthly. basis or just throw it towards debt, whatever you can do. Debt minimum. monthly payments outside of your. mortgage. $66263.

with your mortgage being $4,22753. Water, gas, electric, utilities, all. that combined, how much? >> Uh water bill is $98. Uh. >> I'll do the math, I guess. >> Yeah. Uh water is $98. Solar panels is. 187. Um, >> internet. >> that's 45 bucks. >> Security system is 54. >> Oh my goodness. You financed that? No. >> No. That's just a monthly service. >> You didn't finance your security system.

How'd you pay for it? >> I just paid for it. >> How much? Thousands. >> It was I think a total of uh 3,000. >> You just paid for it. >> Yeah. >> Okay. $384. This is not I don't know. What's your phone bill? >> I don't have a phone bill. >> Parents? Yeah, >> child. Do Helium when you can if. T-Mobile's getting in your area and it. should be gas from drive. How much a. month? >> 100. >> Car insurance. >> Uh 180.

>> Food 300 a month. Use the budget plan in. our budgeting the meal plan in our. budgeting class and the cookbook there. TP fund. Anything else you need to. survive? About a hundred bucks. Tampons, all that good stuff. Medical, healthcare. Okay, I'm putting in 300 bucks. 300. bucks, dude. You have any gym? >> Yeah, but it's a yearly membership. >> How much a year? >> 64 bucks. >> Not bad. Okay, we'll put it at six. bucks. You have any pets?

>> No. >> Good. Subscriptions, I'll try 40. And. then what do you get from your tenants? >> Uh 1,700. >> Cool. So, we'll put your income at. 7,900. on. Anything else that needs to. be in your budget that I've not put in? >> You don't want to put weed in there? >> I put health insurance, which is better. Whatever you want to put fund money. towards, you can. But I don't think you. have fun money.

Okay. So, you need $6,3516. to survive on a monthly basis. So, if. you do not have their rent, you're done. The rent is the only reason you're able. to survive right now. Low months like. you just had, you're be you're. definitely underwater. But $1,000 here, I'll give you $94 for fun. $94.84. Okay. Yippee. So, you get $1,500 left on. a monthly basis.

Okay. >> Okay. >> Obviously, your mortgage we're not like. trying to freak out and pay off early by. any means. 62,000 is your debt for sake. Outside of. the house, okay, 41 months, that's manageable. You're already where you are, where you. want to be in life in terms of house and. car. So, listen, three and a half years. to pay off your debt ain't bad. And. that's actual snowball smallest to. largest. No spending on any of them. Close your cards. Um,

yeah, three. That's not that bad. Call. four and a half years to get into the. full funded emergency fund as well. That's not that bad. Go through the. master your money program. Use the. dollar-wise budgeting app. Use the. cookbook. Use the meal plan. Use it all. Use our tools. Okay. >> Okay, >> guys. The post show is about to be. crazy. Apparently, she's been funding a. felon who just ghosted her [laughter]. and we're. Yeah, you're insane. Financial audits. most guest. We're going to go into the.

text messages. Is insane. It's. absolutely insane. Join Hammerly the. best membership and number one on. YouTube for a reason. Uh, three shows, premium shows, incredible shows, posted every single. day, six days a week, including an extra. 20 minutes of this episode. Financial. auto post show. I'll see you guys there. Click that join button. Oh, and also. hammer financial score. I'm back. Spending on a budget. Well, you. overspent. Zero out of 10. Debt, no. collections, but definitely not great. debt. Those are chunky numbers. Do a two.

out of 10. Emergency fund. There was. nothing below. It's below a,000. Absolutely. Zero out of 10. Retirement. I mean, that's horrendous. I'm going to. give you a 1 out of 10 for that. Real. estate. At least you got that. You do. have an equity position. Interest rate. 7%. Not thrilling. Only equities position is only because. it's gone up and you're forced to get a. solar panel. It's just it's not the. best. I'll give it a five out of 10. Hammer financial score. Get yours at. kale.com. Round it up to two out of 10.

See you all in the post show. >> He is in prison. I told you you look. like someone who's taking it with felons. and pushing out kids. That's what she. looks like. >> She was spending two dollars per month. on phone calls with him. >> How are you funding a felon if you can't. even pay your own bills? >> Camera Elite is the best YouTube. membership on the platform and I just. upgraded it. New dedicated premium shows. every single day, Monday through Friday. Join with the link in the [music] pinned.

comment or description below. This is. the best membership you'll ever join. And that's a promise.