The Most Delusional Woman In Financial Audit History

Everyone around you is telling you. you're bad with your finances, but you. just don't think it's as bad as they all. say. >> It's not as bad. >> Um, it might be as bad as they say. Are. you married? >> Not anymore. >> Correct. >> Do you want to get into that? Cuz we. can. >> At least I can hold down someone. >> It costs me probably upwards of like450. because the like everything was. >> $50,000 so far for this. >> There's a. >> quiet. >> Okay. >> That's historic. I have never heard. anything like that on this show.

>> I mean, I'm living my life. I'm enjoying. what I do. I'm paying my bills. I'm. making money. >> You shut the up. >> Something big is coming. Something. 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 Dolly. I'm 38 from Knoxville, Tennessee, and this is Financial Audit.

Yes, it is. Thanks for coming down. What. do you do up there in Knoxville for a. living? [clears throat]. >> Um, I work remote. >> Okay. What do you do? >> Well, [laughter] I. >> I I didn't ask you if you worked in. Okay, I don't want to be a dick. >> Relax. Relax. Revenue cycle systems. manager for a healthcare company based. in California. >> Well, guys, she's remote. The most. important thing to know about her job. >> Yeah. >> What do you make in your remote. position? So, I actually had to look it. up when I was filling out the. application. You had to look up your. pay. >> I did. I had a general idea like salary.

is about 110 a year. >> About one time. How do you not know your. salary? I understand. Listen, bonuses. can fluctuate. Okay. Maybe we don't know. our take-home taxes and stuff like that. It's not perfect, but this is your. literal just on the where you signed on. the dotted line contract agreement of. what your salary is. How do you not. know? because you get like percentage. increases. I've been there for a couple. years now, so I've gotten a couple. increases. I just don't know what it. lands to. >> It's like one 110. We'll say 110.

>> Can we say what it is actually instead. of is it? >> You want me to pull it up? >> You said about 110 right now. >> I would like to know your pay or not. >> But you said about 110. >> We'll go with 110. I'll pull it up. You. want the exact number? >> No, you'll go with We'll go with. whatever the real number is. Thank you. 110. >> No, you more. You listen. You told me. we'll go with and it's about how about. Do you know that's the real number? >> 110.

>> You're just saying that over and over. again. [laughter]. Okay. That's not You're just saying that. over and over again. Um I'm just trying. to clarify. You told me about and we'll. go with Do you know for a fact that it. is 110? >> 110. We'll go with 110. >> Do you want me to pull it up so you can. see the exact number? Holy [ __ ] I. offered to do that when we got here. >> Are you [laughter] Yeah, I was involved. in that conversation when I wasn't there. when you got here. What the are you. talking about? >> Well, hold on. >> Colton and I share the same mind. We're.

like in what? What is it? What's the. Apple show? Pubris. Pubris. Are Pubris? Are we like all a hive mind here? I know. the exact conversation you had with him. when you walked in the door. >> No, I said I offered at this table when. we started to I said, "Do you want me to. pull it up?". >> And I said yes. >> You said no the first. You didn't say. anything the first time. So, I can't. even get logged in now. Hold on. >> Uhhuh. Can't even get logged in now. >> Oh, calm down. >> Is this an issue? Typically, you're. making it. >> No, I logged into it yesterday.

>> Looked in now. It's like seems like an. emergency. Like, this never happens. >> Well, I don't log in from my phone. I lo. from. >> Tell me what's anything about you. I go. into these blind as I told you. But. literally the one quote I have from you. in conversations with Colton is that um. uh everyone around you is telling you. you're bad with your finances, but you. just don't think it's as bad as they all. say. And you essentially wanted to come. on to prove to those people that it's. not as bad as they say.

>> It's not as bad. >> Um you can't tell me how much you make. and you can't log into your account to. tell me how much you make. It might be. as bad as they say. >> I don't log in from my phone. I log in. from my laptop which has my password. saved. That's why. >> the laptop that you work remote on. >> Yeah. >> Password saved. Why do you not have the. same password manager installed in your. phone? >> Because if I access it from my laptop. and it says, "Hey, you need to reset. your you need to change your password. It's been however many days." It saves. the password in the password in the.

website. >> Password manager. >> Password manager. Thank you. >> Of which. Why do you not have that same. password? >> I'm asking. No sh you. >> I'm sorry. I'm sorry. It's actually the. dumbest thing. I just [laughter]. >> Okay. Do you know I want to let's we. need to break down that conversation. real quick just so you know that maybe. everyone around you might actually be. right. I. >> you said. >> oh you know the password says on my. computer that's why I can't have it on. my phone. And I asked okay why don't you. have the password manager on your phone. And then he said well when they ask to.

change it every few days I save it in my. password manager and my password manager. is not on my phone. It's on my computer. instead. That didn't answer why it's not. on your phone, you [ __ ] I'm so How How. did you possibly do that? That was one. of the most idiotic things I've ever. application is not available. That's why. I can't get in. >> What application is not available? >> Day Force. It's down. >> Huh? >> The Day Force app where I can pull up my. >> Let me see. Let me see. Let me see. Let. me see. Let me see. Let me see. >> It says it's down.

>> It says it's not available. >> It doesn't say it's down. That might be. an error message of you. But to explain. why I couldn't just open it. >> It doesn't say everything's down. It's. one of those general messages. >> Okay. Okay. I will. >> I mean, it is. >> It isn't. Our system is having issues. >> I'm going in from the web version. instead of the app to see if it lets me. in. Give me one second. Holy hell. Okay. >> You're the one putting me through pain. and trouble. What are you What are you.

What are you What are you What are you. reacting for? What are you talking. about? >> Look here. Here. Here. Colton says you. legit don't know your pay. Oh, he knows. your pay and you were wrong. >> Am I wrong? >> Oh my. I'm not telling you. Figure. Let's see if you're able to do this. >> Okay, hold on. Your end statement. >> Your end statement. You can't just tell. me your payub. No, you said you were. looking for your payub. Your most recent. payub will tell me how much you bring in. net. >> Oh, does it? I don't Well, well, bi-weekly it's 3035. >> So, you know that. >> Take Yes. You asked me what my what my. pay was. I thought you meant annual.

>> Well, that's fine. I didn't think you'd. know the other one either. Sorry, I broke your microphone. It's. 3035 every 2 weeks. >> I thought you were asking for my annual. salary. I apologize. >> I was. But the fact I assumed you. wouldn't know your net either if you. didn't know your salary. It's kind of. concerning that you don't know your. salary for the job that you agreed to. do. >> $3,35 every two weeks. >> You make pretty good money for a cheap. area of Knoxville because it's basically. like a city that's completely collapsed. No, that's Memphis. Never mind. Sorry. I. apologize. Knoxville. I don't. >> other end of the state.

>> Yes. Okay. Like appal ash, right? So. okay, great. >> Okay. >> Well, yeah. >> I don't know. I don't hang heron. addicts. >> Really? Your arms say different? >> I got these in California. >> with heroin addicts. >> No. >> Skid Row? >> No. >> Tenderloin District? >> No. >> 6,70 bucks a month is pretty good for. Cole Country. >> I think it's it's every two weeks. I. think it ended up being like 6575. total. Like cuz it's like four and a.

half weeks in a month. So 30 30 35 weekly or what? >> Bi-weekly. 3035 every two weeks. >> Pull up your pesub. >> Oh my god. >> Actual. >> I don't believe you. I don't believe. anything you're saying. >> You can give me an apology when you look. at it and say, "Oh yeah, it is 3035. every two weeks.". >> Sure. Except I have a feeling you don't. even know how to make it through a. >> honey. >> other side of the road. >> I got here. >> and it's impressive every time. Let me. tell you. >> You're welcome for my company. I'm a.

delight. Have a very. >> Are you married? >> No. >> Correct. >> Not anymore. >> Correct. >> You want to get into that? Cuz we can. >> I'm sure we will at some point. But are. we surprised? >> Fantastic. Are we. >> You're going to feel really bad. >> So, it's fine. >> I'm going to feel bad. >> You're going to feel bad if we get into. it. >> Okay. Maybe. I don't know. >> This I looked at this last night. It is 3035 though. >> per paycheck. per paycheck.

>> And that paycheck that directly hits at. that point is only every two weeks. >> Yes. But and you're gonna hate this and. >> two months a year you get three. Two. months a year you get three. Are you. semionthly or bi-weekly? >> You mean two times a month I get three? What are you talking about? Your math. doesn't make sense. >> Whoa. I don't know the kind of heroin. they make in these things. >> 30 35 every two weeks. It's it's 65. >> Are you bon? Are you first and 15th or. you every other week? >> Every other week.

>> Okay. But two months a year. >> What? >> So. >> wait, what? >> Day force allows you. It gives you your. available pay every day at the end of. the workday. >> There's what? So I transfer to my. account every day. So I. >> What? >> Oh, every day. Listen, I understand in. the case of an emergency and every kind. of debt, even a quick little 500 take. can be utilized correctly. There is not. a single kind of debt you that you can't.

manipulate in your favor in some kind of. way. >> The fact is if you are taking it every. single day, I know you are not a good. position. There is no way what to get. that daily fix. WHAT THE WHY? [screaming]. WELL, YOU'RE ON THIS SHOW, YOU [ __ ]. MEANING WE accepted some really bad. finances, [ __ ]. >> I mean, why is it bad to pull to move. the money to my checking account every. day? If you're having to take it every. day, there's a reason why you feel like. you are. Then why are you then? Why are. you Why do you like to What's the. feeling? What happens? Why are you. >> see the money in my account? >> And why? >> So I can pre-plan for my bills.

>> Pre-plan? Your bills? What are you. talking about? You're on the show. You. don't pay your bills. You don't know. what you're talking about. How much How. much debt do you have now even knowing. your income? What's your debt amount? Mhm. Mhm. [clears throat] Pre-plan. What. are you planning? Don't know your debt. amount. What the are you planning? What. are you talking about? It's like. >> it's like. >> it's like 40,000. But I. >> By the way, you make $4,000 more than. you thought. Just going to let you know. on a month on a yearly basis. How much. debt do you have? >> Around like 50, I think. >> 50,000. That's loans. >> Do you consider a mortgage debt?

>> No. >> Okay. Well, you should include the. mortgage. How much debt do you have? >> The mortgage is 173 remaining. >> Why do you know that out of everything? Like. >> because I look at it. >> You look at your mortgage. Well, I log. in to pay my mortgage every month and it. says it in big bold letter or numbers. >> You have a mortgage, but you're not good. enough for autopay. Maybe you should. mortgage. >> I hate autopay. >> Oh, I'm sure you do. I'm sure we'll have. some things. >> I only do autopay on accounts where I. get a discount for being on autopay, like the cell phone bill. Um,

>> guarantee you have late fees. Guarantee. There's not a chance. So, how much debt. do you have? >> Including the house. >> That is a debt. You dumb tit. >> You're a tit. >> I am a tit. 73 plus about plus 50. >> What is that? 223 including the home. >> Oddly close. 225. How the do you not. know your salary, but you know real. close to how much debt you have. How can. your pre-plan based on how much debt you. have if you don't know your income. and [snorts] you thought you got paid an.

extra half paycheck on a monthly basis? Well, it's cuz you do your little pay. advance, but you know you likely pay a. fee for that most likely. Even if. pennies something will happen. I need to. look at it then. >> I'll show it to you. I left the money in. there from yesterday. I didn't pull it. out in here. >> Well, there's no way. I don't believe. for a single second. >> It's in the checking account. >> It's in the checking account. Well, >> his like day force, day force, day. force, day force. Or I can show it to. you. >> Show it to me. >> Okay. I left the money in there from. last night so that I can show you. there's. >> Oh, Colton wants to clarify that you're. just looking good right now saying that.

entire number, but he knows from the. phone calls he had with you on boarding. You didn't know a single set of what. your debt was until you pulled for this. show. >> So, you only know not back and forth. With money though, like I do keep an eye. on. what I owe. Like I can give you a. general idea of like what amount I have, like what my balance is. >> Pause. Let me look for this. >> I can walk you through it. >> I don't think I need your help. >> I don't know. >> Okay, this is Well, at least get one of. the pop things. >> I don't like those. >> Oh, but at least I can put I can lay it. flat if I want or something. I can just.

like flip it over. You shut the up. You're very sassy today, Caleb. I don't. appreciate it. >> Sassy every day. >> Great. Me too. >> At least I can hold down someone. >> again. Well, we can get into it and. you're going to feel like a real. [ __ ]. >> Maybe, but luckily I know nothing. So, it's impossible for me to feel like an. [ __ ] If something bad happened, >> well, that's not my fault. >> Okay. You doing okay over there? You need some. help? >> No, I'm good. I'm looking at everything. >> Okay.

>> One eternity later. >> Okay. So, here's a bank transfer. You. transfer out $250.70. >> and then once your So when does this. $250.70 hit the account? So that hits. the account. >> like one to three days. >> Crazy. And there's a card on here as. well. >> I don't actually use it. I guess you can. add you can add the money to your card. >> Yeah, you can add the money. >> and then you can trans you can also. transfer it off the card to your. checking account. >> Crazy. I see you have not used the save. feature.

>> The what feature? >> Save feature. >> Save feature. Save. >> I have a savings account. I'm good with. my money. >> Get your paycheck up to two days faster. >> I don't do that. I don't do the instant. >> That's probably where the fee is. >> I don't do the instant transfers. I just. transfer it and it for the no fee. >> Okay. Yeah. I mean, they use it as a as. a perk for their platform for the. payroll service to be. extra valuable as a service to be paid. for by your company. >> Mhm. >> With no fee. >> No fee based on how you're doing it now. But you're doing you have to wait three.

or four days. I don't understand. >> I don't know why I do the daily. transfer. I just I like to see the money. in my account. That's why I use it. I. don't know. >> Well, do you think if you were being. paid every other week and only being. paid every other week, you'd be man. being able to manage between. >> I think so. I'm good with my money. I'm. good with my credit cards. Like I I. think this kind of the only good credit. card person that you've met. [laughter]. >> I have balance across the board. Like. what the are we talking about? Like. listen, what do you how can you even say.

that? How can you even say you're doing. well? >> Cuz I pay my credit card bills. I pay. them on time. >> Okay. You made about like $5,700. last month. >> It could be just timing as to how I'm. transferring paycheck. Okay. >> I do. It could. Yeah. >> What was your outflow? What was your. outflow? >> Maybe. 5,000 6. >> Okay. This is you good with finances and. pre-planning is 5,000. Saying 5,000. >> I pay all my bills on my credit card. You pay your bills on your credit cards.

You use your credit cards to pay your. bills. >> Everything that doesn't have. >> you don't pay enough for them to. actually take care of that balance. Of. course. Of course. That makes sense. That's why it became Yeah, your. minimums. Great. Wonderful. And let's. see. Every time someone has said that, that is not true. But we'll see. $10,940. >> was outflow. >> Outflow. >> Okay. >> Maybe everyone around you isn't the. crazy one. And in fact, you are. >> I don't think so. Really? >> No.

>> Did you not just hear that number? >> I did hear it. >> That's substantial. You brought in. almost $6,000, but you spent 11. Like I. I don't drain my checking account down. to zero and then start taking the money. in like. >> as the month goes by. There's usually. >> you're putting everything on credit. cards until they're all maxed out and. then you can't open another credit card. because your credit is [ __ ] and then. you're [ __ ]. >> I said until they are. You idiot. I said. until they do. >> They're not maxed out. They're not. >> [ __ ] I said until you do. continue down. the path of only putting your bills on. credit cards, only making the minimum.

monthly payments. >> Oh my gosh, shut the up. We will go. through everything, but I guarantee you. spend more than you pay towards it. Guaranteed. >> Okay. >> Absolutely. You wouldn't be on this show. if it wasn't the case. >> I mean, that's just a reality. >> Okay. >> If you were fine, you wouldn't be here. >> I mean, >> and you just thinking you're okay is. going to be a disservice to you for your. entire life. At the end of the day, I. have things that I very much enjoy doing.

that are costly. >> and I have to travel things like that. I. play cornhole. I play cornhole. competitively outside of work. >> It's great. Have you ever played. cornhole? >> Yes, I exist, >> right? It's fun. >> But competitive? >> Yes. >> And you were spending money on this? >> Yes. >> Meaning, is it even competitive if. you're the one spending money on this. and you're not getting paid for it? Is. it even Can we consider this anything. bragging about? >> You get paid if you place high enough in. your bracket. >> It sounds like you're not placing high. enough in your bracket. >> Well, you know, I'm playing against.

pros. >> Okay. You just said you play. competitively. It sounds like you would. be the pro. Except you're not. You're a. failure and you probably shouldn't be. doing this cuz it's costing you money. you don't have. >> The trips themselves. >> The trips. are I would say they're more for like. the camaraderie, the enjoying enjoyment. of the game, the see like. >> Okay, you. >> Okay. So, can I explain? >> No. Yes. >> Okay. I in general. I don't like. >> you practice 3 hours every single night.

Why don't you go get another job, [ __ ] You got to pay off that, dude. Do you have any kids? Cuz you were with. someone. Okay. Thank goodness. Okay. So, thank goodness. Okay. Aging, dying. alone. Okay, that's fine. I'm fine with. it. >> Then you're right. Then you're right. It. doesn't matter. No one has any. dependence. So you have your life. That's okay. >> Exactly. YOLO. >> Do you have any pets? >> I do. >> Ah, okay. You have some dependence. >> I have three dogs. >> Okay. Adorable. >> Do you have pet insurance? >> I do. >> Okay then. Okay then. I As long as. you're feeding them well, you got pet. insurance. You're taking care of them.

>> Yeah. Your life. Who gives a [ __ ]. >> Well, I mean eventually eventually. cornhole can make me money though. >> That's why that's why I practice cuz I. want to get better and I want. Okay, go on. >> What? >> Said 3 hours a night. Crazy. >> But go on. >> It's I enjoy it. It's fun. >> I know you enjoy it. I enjoy things, too. I wouldn't do things to the. detriment of myself if I had to do other. things that are responsible. >> When you enjoy something that's. skillbased, >> yeah, practice. >> Skill. Yes. >> Skill-based. If you were a musician, you. would want to practice playing the.

guitar or the piano. >> Not against that. I am saying you have. bad debt. Maybe you need to work more, but you are spending all of your energy. towards that when maybe you do not have. the ability to do so right now because. you need to make some personal choices. >> I like to see my people. >> Exactly. But you're not making enough to. travel and pay off your debt at the same. time. And yet you're spending all your. time practicing cornhole so you don't. even make more money to pay for the. travel. >> Well, that's why I'm here. I want you to. >> I can't make you make more money, [ __ ]. >> No, but you can help me budget my money. >> Sure, I can make a budget. I can't force.

you to budget. It's your behavior. And. look where you've led. Look where you've. come from. I don't care about the that's. why you're here. Look at where you came. from. That's why you're here. I can make. a budget. It it doesn't impact anything. after afterwards if you don't change. your behavior. Your behavior is what put. you here in the first place. And this. first part of the conversation is. figuring out what your life is, what. your behavior is, what your takes are. And your takes are you will not. sacrifice not throwing a bag for 3 hours. a day every single day of your life and. traveling to throw more bags in holes.

>> It's fun. >> I know. It's fun. vacation argued that. it is vacations. >> Okay, neither do I. >> Okay, but I do want. >> jerking each other off. What the [ __ ]. are we doing? >> I do want to enjoy my time though and. like see my people. >> I'm not saying that is a bad thing. I'm. saying temporary sacrifices for a better. life is often times good. And I'm not. even saying you can't do cornhole, but 3. hours every single night when you have. really bad debt is an interesting place. to focus all of your energy instead of. being a adult at almost 40. Easy. I'm.

not 40 yet. >> That's why I said almost. Do you know. words and how they work? >> Yeah, I do. We don't have to say almost. 40. You can just say like your upper. 30s. >> Sure. But you look 50. >> Well, that's rude. >> So, you do not need to be throwing these. bags every single day when you're. absolutely suffering. I'm not asking you. to. I'm saying 3 hours every single day. is an interesting place to put your. energy when you're and not acting like. though.

Everyone around you is correct and I. want them to know that they were correct. and she came on here for you to not be. correct but you are correct and. >> okay make the argument then lay the. case. How are you not correct? Do you. need the whiteboard? Do you want to draw. something? You want to tell your story? What the how are you how are they how is. everyone around you the crazy people? Not you. >> I mean I'm living my life. I'm enjoying. what I do. I'm paying my bills. I'm. making money. I'm not. >> You're not paying your bills. Not Not in. the actual true literal sense. You're. putting them on credit cards and I hear.

I do that for the cash back. >> BY BY CATEGORY. I DO IT. >> with the amount of interest you are. earning. What the [ __ ] are you talking. about? Shut the [ __ ] up. You're you're. not a cashback person. You're not a. great person. You don't [clears throat]. know what you're doing. You go to a. cornhole tournament literally every. single weekend. >> No, not every weekend. >> Colton is telling me. >> I'm here this weekend, right? >> There's a major in Friday. >> Yeah, >> you could be flying to a tournament. tomorrow. I don't know. >> But the tournaments are Friday through. Sunday. So, >> let's talk about student loans. I know.

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That is yfy.com/hammer. or call89733978. That is89733978. Break free from the highinterest trap. and get your finances under control once. and for all. >> And how much does it cost to pay for. these? How much does it cost to attend. >> for the bigger events? >> The average average weekend event. >> the ones that I travel travel to. So if. I drive versus like if I drive or fly. it's obviously going to be a little bit. different but it's between like 600 and.

a,000 except for world championships. which is in August which is world. championship. >> which is a whole week. >> That's a whole week. So that's a little. more expensive. >> cost. Yeah. >> I should know but I don't. Over a. thousand tournament entry fees hotel. I. drive there. It's always in South. Carolina so it's drivable. >> Uh. >> and what are you hoping? >> And I share a I share a hotel. >> every time. Who? >> A friend. [laughter]. >> Okay. >> Of the male persuasion. >> Uh-huh.

>> Yeah. He plays. He's a pro this year. >> You get nut in your hole while you throw. bags in other holes. >> I mean, yeah, >> that's the way to do it. Are you sure. you're not only doing this to get your. love? >> No, cuz I started playing before I even. met him. >> No, I know. But now, are you not just. doing this so you can meet up with your. long I'm assuming long distance. >> because you guys meet at these. locations. >> Yeah. I mean it he so he's in. >> Sounds like you have extra encouragement. I think. >> to well I feel horrible for him. >> why. >> feel horrible for both of you Knoxville. Illinois off. >> Knoxville's great I love Knoxville. >> I grew up in in Orange County in.

California and I moved to Tennessee and. I have no regrets I absolutely love it. there. I love it there goes way further I could. buy a house by myself. >> more to life than just that I'm not like. defending California even but at least. Orange County I hear is halfway decent. >> yeah I. I don't think that we necessarily. belonged there. My parents moved us. there and they shouldn't have. I was I. was in I was born in Arkansas. >> They took us to Southern California. >> I don't care. I do not care. This. contributes nothing to this.

conversation. >> Fine. >> I just I'm sorry. >> This is great for the record. >> Uh-huh. >> Okay. >> Okay. But I'm just saying, are you not. extra encouraged to blow all this money. and spend all this time that honestly. don't really have instead of growing up. to be an adult in order to get, you. know, the [ __ ] his bags in your goal? >> That's not the reason I go. No, it's. >> actually encouraged. >> It's nice to be able to. >> you get loaded. >> Listen, it's nice to be able to share. the cost of the hotel with another.

person. It reduces the cost I have to. pay for the travel. >> and has come. >> Okay. >> Does that happen every single time? I. mean, we stay in the same hotel. >> Exactly. Well, by the way, I mean, I've. stayed places with women. >> I have. No, I know. I have, too. I've. traveled with other people before and. like, "Yeah, I would just get two. separate beds." We don't do that. We get. one bed. >> Is he hot? >> I think he is. >> Let me see. >> You can. >> Oh, what the Oh, okay. >> Let's add a cornhole event.

>> Oh, yeah. He's wearing a literal uh porn. star shirt. It's a jersey. >> This is a whole thing. >> It is. >> He looks a lot younger than you. >> He is. [laughter]. >> How young is he? >> He just turned 30. >> Oh, okay. >> No. So, not like way younger, but. younger. We don't need to talk about it. >> You already did. [laughter]. >> Okay. So, I again, come on. Let's be. honest. You certainly have an extra.

incentive to go. >> Sure. >> Yes. How long have you guys been seeing. each other? >> It depends on you. It depends on depends. on what you mean by seeing each other. >> Taking his [ __ ] [laughter]. >> Um I'm so bad. It's either like I think. it's like two three years. >> Wait, how long have you been divorced? >> Um we got divorced before I moved got to. Tennessee. So I think it was 25. >> Oh, okay. So you've been single for a. long time. >> Yeah. Yeah. >> Okay. So you you've been you've been. getting railed at these events for 3.

years, two years. >> Yeah. It's a good time. Yeah. No, I don't blame you. I don't. blame you. I'm listen as a fan of being. a [ __ ] So, >> huh. >> No commitment, you know. >> So, that's the thing. So, is that what. you're doing or are we just on the free. flowing fun. >> train cornhole tournaments? >> Yeah. >> Yeah. But, you know, this means that you. cannot sacrifice that because this is. where you get your love. This is where. you get your affection. This is where. you get your social.

>> But, I don't want to sacrifice that. I I. don't want to like. >> What do you think a sacrifice is? It's. something you don't want to do. >> I have scaled down though from last. season and the season before. >> Define scale down. What did it look. like? What does it look like? >> So, two or two seasons ago, I spent two. or three seasons ago, I spent and I. invoiced it. We got a back story if you. want it, but it was $16,000 for the year. that I spent. >> in tournament entry fees and travel, gas, hotel, airfare if I had to fly that. stuff. So, and I went to I think it was. 11 out of 16 of the big events. Like I. went to just about everything. Well, no.

11 out of the 16. >> A lot of them, but they were all the big. ones where you had to It was the more. expensive ones rather than just the. local tournaments that we play. >> Those five poverty ones. >> Well, we've got local tournaments during. like in Knoxville area during the week. throughout the week and then weekends. have it's a little bit bigger. >> I moved to Knoxville. Is it a big. cornhole town? >> No, I actually didn't start playing. until I was already in Knoxville. Cornhole. >> I hope I don't pick up those kind of. hobbies and lifestyles in my [laughter]. 30s now that I'm well into. >> It was like a social league that did a. bunch of different sports. They did like.

softball. Okay. So you and then you cut. back. What's your cut back? >> So we just had our fifth open of the. season and usually by that time. >> season when does the season start? Cuz. we're like October. >> Oh my gosh. >> It's October through August. It's it's. pretty much year round honestly. >> Oh yeah. They make money. Yeah. They. want to make money. >> October is the beginning of the season. The one that I just went to in Myrtle. Beach was number five. Normally I've. gone to at least three already. >> Myrtle Beach. And how much have you. spent? Um, I think for that it was 4.

days. It was probably around 700. >> Oh my gosh. >> For the whole 4 days. >> Okay. Listen, no way you didn't spend. more money than that cuz food and. whatnot. Or did the man? >> We I mean we we split it. We split the. hotel. Yeah. We're not We're not in a. relationship. >> Pleasure. >> We're not in a relationship. So we split. it. >> Yeah. But it's railing. >> We split the hotel. >> He'll pay for dinner. I'll pay for. dinner. You know, we make it fair. So. how much are you actually expecting that. you can make from this.

if this is our commitment in time. cornhole champion of heroes? >> It's more the big events are more for. the social aspect of it. Like there. there is the ability to win quite a bit. of money if you are the. >> quite a bit of money. >> tens of thousands of dollars. That's if. you like win your bracket or win like. the face off. >> And how close have you ever gotten? >> Not that close. Uhhuh. >> Right. But that's what I'm saying is. like it's the big events are more at. least for my level where I'm at right. now are more of like the social aspect. of it where I see all my friends from.

around the country sometimes like the. other sometimes Canada I think they come. down every now and then and I would. never get to see those people but we all. go to these events across the country. and we get to. >> in in episode behind the scenes. production note here Wes or Colton or. Brandon can you please tell tell Mark to. go get a cornhole set from Walmart real. quick? He should be back by the time. we're done. So, we can go to the We can. do. >> He tried. >> Huh? >> Oh, but I can get Mark to do anything. [laughter].

>> Make him go in the rain. His little. Mexican ass is going to melt. >> Okay, we're going to get some cornhole. >> Okay, I brought a set of bags with me. just in case. I have one. That's a real cornhole bag. >> How? I don't know what a fake one is, but. >> Well, they're like the literal a corn in. a bag. Like if you get a set off Amazon. or something, it's usually like kind of.

hanky boards. >> Cornhole elitist. All right. Power. >> power dragon. That's the type of bag it. is. No, that's the like the line of the. bag. There's different There's different. fabrics, different speeds. >> Welcome to America. >> Something for everyone to spend all. their money on. >> It's fun. Okay. So, what? So, you got divorced and. you immediately flee California. That. was the that was the play. >> Uh, it was like half the reason uh maybe. like half the reason why I left. Five.

years. >> Okay. What happened? >> Let's see if I feel bad. >> It it ended up being a lot of one. financial abuse on his part and. domestic. >> Oh, I feel bad. >> Yeah. >> Okay. So, you say you're a credit card. person. Why do I have all these balances. in front of me that are not going? You. don't know your income. You I guess. actually kind of know your debt. situation. Like what the what what do you mean. you're a credit card person? How can you. say that? Make your argument. Lay it. out. If everyone around you is telling. you to lay out your argument. >> Okay. So I I know you've already yelled.

at me about I'm not a cashback person, but I have. >> I'm not a cashback. It's not about being. a cashback person. You are getting. interest. >> I use my credit cards strategically. based on the category of the purchase. So like all my travel stuff goes on one. card. All of my dining stuff goes on one. card because and they're all set up for. 3% cash back by category. >> Doesn't matter if it's losing interest. >> So when everyone around you is telling. you, what are they saying? What is. everyone around you saying? >> Mostly that I waste my money on.

[ __ ] which is like a stupid hobby. >> But you disagree. >> I disagree. It's just the cornhole. thing. It can't just be cornhole. That. can be your entire life. >> A lot of it is cornhole. It's the. traveling. It's um investments I've made. into my passion, if you will. >> Okay. How much have you spent into your. passion? >> Dude, miscellaneous [ __ ] was $2,000. itself. >> Definitely overspend for sure. You have. some [ __ ]. >> So, everyone around you is right. >> Well, it's like the online shopping for.

me, like as an example. >> Online shopping. >> Online. I don't like to go shopping in. stores. Like I just I'd much rather just. you might see a minority get terrified. What the going on? Not at all. >> Go outside. Scary. >> No, I just, you know, it's just easier. But the problem is a little light. >> If there's like an option involved in. what I'm buying, like a color option, and I can't pick, I just buy both. >> What the? You do make good income. You. should not be struggling. >> I Yeah, I like I said, I have an.

overspending issue. And then my hobby is. on the expensive side for sure. the. [ __ ] spending. I don't consider. cornhole [ __ ] spending, but I do. have bull. >> It's something that isn't actually like. it's it's a it's a hobby. Hobbies are. still [ __ ] spending. You can't say. it's not. It's [ __ ] spending. It is. not necessary to you being alive as a. human or improving your financial. situation. [ __ ] spending doesn't. necessarily mean bad. I give a [ __ ]. spending category of 30 literal percent.

of your income once you're out of debt. and have a fully funed emergency fund. I. I just don't consider it [ __ ]. spending. >> with what I just described. How can you. not? How does that Okay. How does how. does cornhole $45,000 whatever the go. towards paying off your debt? >> That doesn't. >> Okay. How does it go towards uh you. being alive? You staying alive, keeping. a roof over your head. >> Happiness. >> No, that's not staying alive. Unless. you're contemplating suicide and still. then shut the up. So, how does it.

actually. >> I don't want to be a miserable human. being. Is it a life necessity? No, then it is [ __ ] That doesn't. mean it is bad necessarily, but it's all. contextual. It's contextual given a. financial situation. Your financial. situation is you spend $11,000 when you. bring in six. Your financial situation. is you have what was it again? Uh, no, $225,000 of debt, >> including the $173,000 of it is a. mortgage, >> right? >> Okay. So, $50,000 essentially a debt.

outside your mortgage. That's insane. >> Yeah, it's not ideal. I. >> Okay, so that's why I'm saying it's. [ __ ] spending. It doesn't pay that. down. It doesn't do anything to keep. over a roof over your head. Doesn't mean. it's bad. I don't tell people they can't. go out to eat once they have a fully. funed emergency fund and they're out of. debt. I don't. >> I mean I don't spend a bunch of money. going out to eat. I just happen to. funnel all the money, all my quote. [ __ ] spending into one avenue of my. life. >> You spent 2,000 hours last month. Is. that what you're telling me? On. cornhole? Cuz I had 2,000. Then I had.

2,000 I had 2,000 hours of miscellaneous. [ __ ] So if it's not all cornhole, you have a lot more outside of cornhole. then. >> Yeah. I mean, >> so what the are you talking about, dude? It's not just cornhole then. >> Not most. >> Your eating out was small, but your. miscellaneous [ __ ] your spending on. [ __ ] was still substantial. It was. literally. of your income. 33%. 33% went to miscellaneous [ __ ]. alone. Just consider we go through the. purchases later. you've seen the show,

but that is the category. That is the. category. There's other large purchases. It's hard to tell if they're [ __ ] or. not, but there are other large purchases. of which we'll go through the purchases. uh individually. $4,684. Combine those two together, that's your. entire paycheck, actually more. Okay? >> Just miscellaneous [ __ ] and other or. other large purchases. And that's only. about 65% of your spending last month. It's not great. >> So, what the are you doing? How can you.

tell me they're wrong and you're right? How can you tell me no, it's not. [ __ ] Your spreading was egregious. Your debt is horrendous and you have no. idea where any of it's going, including. how much is even coming in cuz you. literally pay advance every single day. of your life. Do they know that? >> Do they know that? >> I mean, you can I get a little. >> Do they know that? >> Probably. >> Your friends know that. >> Oh, I don't know. >> So, they're telling you you're. financially. They don't even know that. So you're probably on top of what they. even think. >> But I'm not getting fees for doing that.

>> Like I'm not putting myself in a worse. position. I I don't feel by. >> No, but you're you're budgeting by the. day, not by the month is the thing. And. we're when we're budgeting by the day. and not by the month. A proven method of. actually budgeting. You're never going. to make any progress. You're you're. spending more than you make. You are in. 50,000 hours of bad debt outside of your. mortgage. It is not working. So. everything adds up to it is not working. So, your daily pay advances are not. working. It's not benefiting you. You're.

only going in a negative direction, spending more than you make. So, you. can't tell me it's not regardless if. there's fees. It's not about just if. there's a fee or not. Is your life. working? Your financial life, is it. working? No. And everyone around you is. telling you that for a REASON CUZ IT'S. NOT. >> I mean, that's why I know that you can. give me some some tips and things like. that and things that I can change. >> Okay. Spend less than you make. >> Yeah. >> Cornhole isn't necessary to keeping a. roof over your head. There you go. >> I did start trying to I know everybody.

>> maybe try to settle down with someone. instead of taking random dick on various. weekends. >> Well, it is the same person. It's not. like it's random people every time. At. least. >> you don't consistently anyone else. >> So, you only get sleep with someone once. every few months. >> I mean, it depends. Like right now, I'm. going to less events. So, >> yeah. Is that not depressing? You have. human needs. >> It's not depressing to me. What do you. do all day then when not you're remote? No. 40 hours a week probably. I doubt. you put in more. Right. >> I do probably like 50 55. Why?

>> Um I'm kind of like a one of one in my. role. So and there are multiple teams. >> Well, yeah. There's multiple teams that. depend on what I do in my role. And. they're on the West Coast. So I'm I'm. off the I'm off the computer like 5:00. p.m. Eastern time, but they're still. they still have three or four more hours. left to their day. So, >> how long are they going to accept that? >> Except what? >> Cuz I know you must have been in person. while in California before you left, right? >> Yeah. >> How long are they going to accept a. remote worker that's not on the same.

line timeline as everyone else? >> I mean, I was out here I've switched. jobs since I moved to Tennessee. I was. hired as remote. Yeah. >> So, I'm fully remote. And they actually. >> co remote though. >> No, my when I when I was in California, the job I was working before I moved, it. was we all got sent home to work from. home for CO. >> Okay. And then I moved. So, what do you. think your financial score is? 0 to 10. Zero being the worst, 10 being the best. >> I think like a seven. >> If you want your financial score, take. the assessment at calebammer.com. It is.

free. See where you stand in the world. of money. See where you're doing poorly, what you need to do to improve, and. where you're already doing great. Just. takes a few minutes. Again, it is free. And if you don't want to be like a guest. who ends up on Financial Auto, make sure. you download the dollar budgeting app. 5.0 is 5.0 is out and it is incredible. The best budgeting app out there. It's. not complicated for people to even get. through the onboarding screen like on. wab and like [ __ ] people fall off. immediately. It doesn't force you to use. a financial system that they dictated. like Ramsy's. It doesn't try to sell you.

a mortgage like Rocket Money and it's. not private equity just trying to. collect your data like they have with. Monarch where it's raising like a. billion dollars of private equity. This. is a budgeting app made by the people. just like you for the people just like. you. No external funds raised. It is. incredible. It is the top of the market. now. Take the free trial. See if you. like it. dollar.app. app and only. through the end of March. If you do like. it, sign up for the annual version. Most. people do because it saves 50% and you. get my budget friendly cookbook signed. by me, mailed directly to you. >> SoFi,

>> what is going on? Is this student? >> No. >> Personal personal loan. Okay, so what's. going on with this SoFi personal loan? Okay, so the Sofi loan I took out. It. was $20,000 loan that I anticipated. covering the entire cost of a barn, 800. foot barn in my backyard to practice and. play cornhole in. >> What? $20,000 for a cornhole practicing. place? >> It was more THAN THAT. >> HOW MUCH WAS IT FOR YOUR CORNHOLE.

PRACTICING RANGE? >> I think it ended up being like over 60k. What the is wrong with you? Wait do. this. >> So I started. >> What the Do you have anything else going. on in your life? >> It was over a period of years. Anything. else going on in your life? >> No. >> What the? This is insane. What? Gamers. don't spend that much. Um Oh, what other. hobbies are there? Gun enthusiasts. maybe, but not over like that quick. >> It wasn't supposed to be that expensive.

It was obviously material. Well, yeah. What the material? Show me. You better. have a picture. We'll put it on. >> I have an album for it for you. >> An album. >> What? >> Has a curated. album? >> What? >> For her special little corn. >> Whatever. >> Has Mr. >> Illinois penis been there? >> Yeah. I mean, he's been there once. >> He's seen it. And what did he think? >> I mean, I don't know. We just threw in. there for a little bit before we left. for a trip. >> What? He wasn't impressed. If I was a.

cornhole addict, I'd be impressed with. the $20,000 cornhole range in someone's. backyard. >> What do you want to see? Do you want to. scroll through all the pictures? >> Cornhole range. Well, unless it all my. my fear of your cornhole folder is all. of a sudden it's your hole being plugged. in bed just in between a lot of photos. >> Yeah, it's just the construction. No, just show me what it looks like now. Not. construction. The end result. The result. of the end. What did all of our money. lead to? Cuz you just spent $1,000. trillion. Oh, Colton's telling me it's. not even done. What is it going to cost. to get done?

>> It's not done because I needed. >> What do you have to do for a cornhole. range? >> I needed to stop spending so much money. >> Is it not a cornhole board? Another. cornhole board? >> This isn't EVEN. >> AND THAT'S IT. WHAT ALL DO YOU NEED? >> What happened? >> Well, my first attempt at building a. budgeting app, it it [music] didn't go. over very well. So, I'll rewind. After. hundreds of financial aus, one pattern. stood out. [music] 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 [music] shouldn't. feel complicated or intimidating. I had. good intentions, but the first app was a. complete dumpster fire. [music] I was. trusting the wrong developer. internet. partner cost us thousands and left my. customers with the buggy app that only. kind of worked. [music] And that failure. forced me to ask a question that I.

couldn't avoid. Do I walk away or do I. try again? Ultimately, I chose [music]. 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 a better approach. So, we rebuilt [music] the app again and. again, 38 different versions in total. I. obsessed over every single detail that.

most people wouldn't ever notice. And. that's [music] 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. [music] in what we're doing. Thank you. You help shape what this has become. This is my vision for the [music] future. of budgeting and I'm just getting. started. Dollarise 6.0 is finally. [music] launching on February 17th. Rewrite your money story. Learn more at. dollarwise.com.

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

Sign up for Time. GET THAT $350 RIGHT. NOW IN YOUR CHECKING ACCOUNT. WHAT ALL. WHAT the are you swiping through? How is. this trying to find the done picture? You said you only wanted to see the. finished one and not. >> Well, why would I want to see the. construction? >> Well, right. I'm almost there. I. >> promise you. I promise you. It's like. Right. It's coming up. >> How much is it going to cost to finish? What do you need to do? >> I just have to do the the floor. >> It's inside. >> Yeah. >> You built a whole building for it. Oh my. gosh. You built like a event center for.

this thing. >> So, as I was building it, I was also. like I made. >> This is insane. You built a whole house. just to throw cord hole. >> It's so fun. >> Oh, [screaming]. it's not even cute. >> Okay. Well, I mean, >> well, it's not cuz you haven't done No, come on. That's not even a room. That's. objective. You haven't done anything to. it. This is a gray room. >> Like, right. You can't say it's cute. Exactly. So, don't be insulted by that. You said Yeah, but I I said it's not. cute and you were like offended by it. I. saw on your face. Like, that's I mean,

that's objective. It's not. >> But it's not done. >> Well, once it's done, it might be cute, but it's not cute now. And you were. offended by that. It's drywall. offended. by it. >> Your face was offended. >> No, I wasn't. >> I saw your face. >> I have to do the floor. >> I saw your character. >> and then paint. And then. >> what floor are you putting in there? >> So, I want to do. >> You have to pay for flooring. >> You spent 20,000 and this is. >> No, it was happens when you are a single. woman in your 40s. This is where your. life leads. This is where your life. leaves. 50s. This is where your life. leads.

>> Oh, listen. You don't have to tread it up. and pop out babies. I'm not saying that. But there is a certain biological thing. that I think humans crave because it. ends up in this with this. >> It's awesome. >> Ends up with this. >> Well, okay. So, to be fair, while I was building this one, I did not. expect it to be I I. >> What the did you I found out later that. with construction projects, you're. supposed to like prepare. You're. supposed to like double the bud double. it for your budget. Whatever you expect.

was 10. No, my budget was my my budget. was like my budget was like 25. >> and then but there's but they I guess. people in construction. >> first of all 25 is insane. What the is. wrong with you? 25 for a cornhole off. >> Okay, listen. >> This is what happens. >> I have listen I have a slope in my. backyard so I had to cut down all that. dirt. >> You were moving earth for cornhole. >> Yep. >> Single woman in her 40s. >> It just keeps leading back to that. >> I love it.

I feel like you would like it if you. played. >> No, it's not that. It's like this is. like this is your life. This is. everything. There's nothing else. >> There's a community involved. It's not. just like I go to throw bags in a wall. >> Yeah. But you travel to them to like. Myrtle Beach. >> Yeah. >> They're not all coming to your hole that. you spent 25,000 on. >> No, that's just for like me and friends. to practice in. There's a whole. community. >> Okay. What have you spent so far if your. budget was 25? So, I got a lot of the a. lot of the um contractors that helped in.

different stages of the project. >> This is insane. >> They actually ended up being sponsors. for the season. So, they took thousands. of dollars off of their cost. >> How much has it cost you, woman? >> It cost [clears throat] me probably. upwards of like450. because the co like everything was I. know. I'm sorry. Don't yell at me. >> $50,000 so far for this.

There's a. >> quiet. >> Okay. >> That's. That's historic. I've never heard. anything like that on this show. >> It's not that bad. >> No, no, no, no, no, no, no. That is. historic. A a historic what the. >> uh Okay. So, you have a mini split in. there. >> Mhm. It has its own mirror. >> Has its own mirror.

>> It has a rollup door. I was trying to. >> a rollup door. Why do you want a rollup. door if it's going to be a nice spot? Because listen, I made some decisions in. the building process that if I want. 50,000. >> if I wanted to ever at any point sell my. house. >> that it would it would. >> think of it this way. If somebody looks. at this building being in the backyard. of property that's going to be. >> that's a cat lady in her 50s. Yeah. >> Somebody who is would purchase my house. in the future if I decided to sell.

that's that's a garage that they can. work in and that has its own meter. It. has its own everything like. >> Sure. Except it's quite narrow because. you're thinking cornhole. >> Well, it's 20 by 40. >> 20 by40 800 ft. >> Okay. But you have spent $50,000 on this home. edition of which will not equate for. $50,000 more in the market to be clear. And it's all for cornhole. >> But it's up to code. I mean everything's.

up to single in our 60s building. cornhole. >> I'm not in my 60s. cuz I'm in my 30s. >> Allegedly. >> Allegedly. >> And you have to lay on floor. Flooring. is going to be if you even do cheap. >> It's I was going to do flake flooring. >> Huh? >> The flake flooring. >> What? >> Uh I think that's what it's called. >> Epoxy. >> Yeah, they do the flake. >> So, this is going to be a full-on. garage. You're not even making this a. cool little place. You're spending this. much money on it. At least lay down. vinyl. Vinyl is not even that great. >> Well, no. Because again, preserving. resale value. Having the rollup door is.

good. If somebody buy the house, >> why I would save vinyl is so you can. enjoy it. It's relatively cheap to put. down. Couple thousand bucks probably for. this space. And you can easily rip up. vinyl and then epoxy. >> Well, yeah, but the epoxy is only like I. think I got several quotes. >> It is. But you're shitifying this area. now. If it was strictly garage flooring. though. >> Yes. If you were using it as a garage. Listen, but you're planning on staying. here for. >> right. I can't believe I am on the other. side of this argument cuz I'm actually. advocating for you to spend more money. and it's stupid. I'm I need to slap.

myself. But the thing is, you are. building this to be a cool woman cave. for a cornhole. You can epoxy when. reselling. You're not using this as a. garage. Make it the nice woman cave for. now. And just put in some Listen, cuz. vinyl is still the cheap option. It's. going to be a couple thousand bucks for. this probably this room. So. >> for the vinyl? >> Yeah. >> Then why wouldn't I just do the flooring. that I want to do? >> What do you want to do? >> The flake flooring. >> You actually No, cuz I'm trying to make. this area cool. It's not a garage.

>> You can pick your colors and stuff. You. can. >> This is not a garage, >> right? But I'm going to decorate it. So, I have So, I have a board. So, I have. >> How much more are you spending on this? Reasonably double. >> No double it. >> It won't double what you're going to. say. >> Okay. 5,000. >> Okay. So, 10. >> maybe. Oh, no. I was including the. doubling. >> So, 55,000 total on this ising insane. That's insane. >> But it's going to look super cool. You. could have done so many things with your. life. >> I paused on decorating and doing the.

floor because I didn't have to finish. those things. The other things I had to. finish. >> on this entire experiment. >> Okay. But I didn't. So, here we are. I. didn't pause because I had the um. >> Oh, you're getting custom cornhole. boards that are $75 each and you need at. least 20. >> the tops. So, I have a board sponsor. who's local to me and he does like all. the. >> board. They He makes all the boards. It's I was going to. >> Maybe you should have picked up heroin. It's a cheaper. going to bring you guys. your own look like with your logo, but I. thought I'd get yelled at. >> But then you didn't. So.

>> Well, I didn't because I thought you'd. yell at me for giving. >> Well, believe it or not, on the show I. yell at you regardless. >> That's fair. Maybe I should have. Maybe. it would have softened his. >> whatever this is the sass. >> No, >> maybe. But no, I want to have like. different people, friends, other people. who play or sponsor. >> You in your 90s and you have spent. you're spending $55,000. But I'm going. to get the board tops like designed by. different people. Get them printed and. then that's going to be the decorations. for the building. >> Worst spending I've ever seen on this.

show. Dumbest thing I've ever seen. >> Not the worst. There's no way. Dumbest. There's no way. Dumbest. Why? >> $55,000 on something that is not. providing that equity position. >> Passions, Caleb. >> That's not That's just not the word. Invest. >> Okay. But think about people who owned. because they love horses. Very. expensive. >> Horses can actually have a better return. on investment because if they're good, then they have good nut. They have good. reading. Exactly. >> Right. But people who use them just for. like their own enjoyment and. entertainment. >> Then it's not investing. You're not. getting an expected return on. investment. >> Right. I guess.

>> Yeah. It's a fun. It's passion. But you. just blew $55,000 plus all the traveling. you've done. You've likely spent over. $100,000 on cornhole. Yes. In the past. decade, $100,000. And now you have. nothing to show for it. You have a room. that probably adds an extra $10,000 in. equity if you're lucky cuz it's just. going to be a garage at the end of the. day for anyone else. They don't care. about all the extra [ __ ] you're putting. into it. And. I don't know. I don't know. Uh Colton is. telling me it almost ruined your career.

Well, in the post show, if if Mark. brings the board, >> uh I'm being told this almost ruined. your career at one point. >> Ruined my career. >> Oh. Oh, yeah. Have you ever heard of the. yips? Like in sports? Never. Um, the. most well-known is like baseball. players. Like they're in the they're in. the major leagues, whatever, and all of. a sudden now they're throwing the ball. straight into the ground. You've. probably heard of it before. Like if you. I can't think of the person's name, but. it's like this. >> Well, I wish it happened. So, you didn't.

spend all your money on this. >> Well, I mean, it did. That's why I'm not. playing as much right now. >> I got the hips last season. It sucked. And so, like, my body, something I've. done a million times. The mechanics, like you've done the same thing a. million times, you know how to do it. Muscle memory. all of a sudden like. there's like a disconnect between your. brain and your body and I would I. wouldn't let go and it would like go. straight up in the air. >> So, what are you doing now? >> Well, you're gonna hate this. I got a. mental performance coach last year, but. he was a sponsor. So, that's. >> Everyone's a sponsor. >> Well, >> I think you need an actual sponsor.

>> No, no, I rarely even drink. I only drink when I play cornhole at big. events. And that's just because I have anxiety. from. >> on this this [ __ ] house that you. spend a [ __ ] ton of money on this extra. like bonus house. You literally have a. $13,319.91. cent personal loan on it with SoFi at a. 15% interest rate with a disgusting. minimum monthly payment of $385.64. It's one thing. It is one thing to spend.

$55,000 on this. It is a completely. other thing to have over $10,000 in. horrendous personal high interest loan. debt for it. Considered. just for my own understanding like. what's considered high interest. >> Well, I mean anything over four is not. great except for potential mortgage. Anything over eight is certainly getting. high and you're AT 15. THAT'S HIGH. >> YEAH. >> FOR SOMETHING that is ridiculous. Ridiculous. This is the dumbest thing I've ever. seen. A 15% loan for a cornhole house.

YOU. [screaming]. What is this? It's a good time. >> What? >> It's a good time. >> I'm not saying it's not. I never argued. that. I don't understand that argument. I've never suggested otherwise. Okay. Um, oh, this is 100 bucks with you. It looks. like you pay this off every month. So,

I'm not writing this down. Sunlight. Financial. >> So, that one's 1199%. I think that was four. So that was an. additional cost. I didn't know. >> What's the balance? Oh, this is No, this. is your amount, dude. What's the actual. balance? >> Oh, so this ACTUALLY IS SOMETHING. WHAT. IS THIS? >> It was for my H. I live in an HOA. >> I know. >> What? >> And they said I had to have the barn. look exactly like the house. [screaming]. >> Now we have a.

>> vinyl sighting. >> Extra vinyl for our cornhole. You have a. second loan on YOUR CORNHOLE HUT. YOUR. CORNHOLE hut. >> barn. >> Did he you in the hut? >> No. >> So it's not even worth it. It's not even. worth it. It's not even worth it. It's. not even worth it. You [ __ ] You idiot. >> It was an unforeseen. cost. Additional cost. >> of how much? >> 6,000 and change. [screaming]. Yeah,

there's the gutters and the vinyl. sighting. >> Shut the up. You listen, I don't even. care. Again, do whatever you want as a. single person, but you would have been. better off married with kids. This is. insane. >> I disagree. I'm too selfish for that. >> No, no, no, no, no, no. This is insane. This is insane. The what you have. dedicated your life to and the amount of. resources you have put behind it is. beyond insane. Beyond insane. And now. you're getting the yips. So, you can't. even do it. You can't even do it. Building a 50, you probably spent like. $150,000 on.

>> It's getting better. The IPS is getting better. >> Well, that's a shame. At least I would. encourage you to stop. >> I went to my first event in Myrtle Beach. over New Year's Eve weekend and it was. fun. I did good. >> Oh, here's the loan details. IT'S IN A. 12%. I TOLD YOU a 15% one and then a 12%. one. Your life is broken. You are a. broken individual. $6,157.64. What is WRONG WITH YOU? [screaming].

AT A 12% interest rate with a minimum. monthly payment of $104. [screaming]. Currently on this HOUSE ALONE, YOU. >> [screaming]. >> OWE $20,000 FOR THE SHED. This shed. where we need to lock you up and never. let you go outside again cuz you'll MAKE. A MISTAKE AND BUILD A SECOND ONE. >> Youring cornhole palace of. >> barn. >> off palace. >> Well, okay. So, here's my thought,

though. >> Quiet now. >> Well, hold on. >> Do I even want to hear your thought? Your thought has led to spending. probably $150,000 on cornhole in the. last decade. Shut the [ __ ] up. >> The 401k, though, is is meaty. >> Imagine. >> I could take that out, some of it out at. least to. >> So, this is where the single woman's. brain lands once they're in their. hundreds. >> You're saying I could. >> Once they're in their hundreds, they. they're they [laughter] throw away. everything they have saved and invested. for their future. that no longer matters. because they have nothing to add to. society anymore. So they just This.

sounds very red pill right now. >> I'm mostly exaggerating for it for you. to feel shame. >> Okay. >> Um cuz you deserve it cuz the cornhole. palace is insane. But either way, is. this like Okay. Okay. Okay. Okay. Let's. let's take away let's take away the the. stupid red pill and for shame sake. Okay. You actually saved up for a. future, but you actually don't have like. what what is your future? What do you. have? Is that because you're single? Well, no, the single part. It's not.

because of the kids or anything. I don't. really give a [ __ ] about that. But yeah, if you're not going to be with like what. what do you have to look forward to? So. now you're like, let's build cornhole. palace for 50,000 $55,000. at a,000% interest and let's wipe away. all our investments towards it because. we actually have nothing to live for, right? I mean, is there not logic there? >> I mean, if that's the case and I have. nothing to live for, why not just cash. out the whole 401k? >> Well, exactly. That's what I'm saying. where the logic might be. all the debt, then I can supplement all my have. something to live for so you can at. least manage the you keeping your.

investments and whatnot. Well, >> but you're right. There is like no. point. I mean, there is a point. I need. you to be able to survive in your. retirement, but it's like. >> I understand why you could like have a. dark cloud of gloom. Like, who cares. about the retirement at this point, right? >> Well, I mean, it's pretty meaty. There's. a lot in there. >> No, for your income and age, you're. behind schedule. What should I have? >> Uh, you should have Well, you're 40. You. should have. >> I'm not 40. I'm 38. >> In two years, you should have about.

probably $230,000. >> Okay. >> Of 160 56. 165. >> I think it's 173 now. >> Okay. Market did some moves. >> Mhm. >> Still behind. And maybe you'll get if. the market does really well these next. two years, maybe you'll do it. But if it. corrects, you'll be So, we are behind. But the fact is like this is actually a. really good start. You'd still be like. an 8 out of 10 score on the retirement. But the thing is you're willing to throw. it all away. I mean maybe it kind of. makes sense. I mean you but it's for the.

palace. It's for the palace of cornhole. >> exploring options. I know that there are. 401k off. You already you make money. >> Stop being throw it towards the debt. >> I don't know enough about 401k loans to. know if that's a good idea or not. Okay. Well, your money wouldn't be growing in. the market that you used to borrow. All. the money you'd get is paying back to. yourself. Not very good. And if you lose. your job or quit your job, become. disabled and lose your job for whatever. reason. Could be a million reasons to. lose a job. It is due like in 30 to 60.

days. >> If you lose your job, whatever you take. out. >> Yes. >> See that? I didn't know. >> Okay. >> I thought something like that was the. case. >> Well, I thought you were just going to. pull it. Not even take a loan. I thought. you were going to pull it. You were. going to take out. >> What's the difference between the two? >> Okay. Well, a loan is a loan, >> right? But you pay yourself back, right? >> Yeah. >> And then you take it if you cash it out. That's. >> cash it out. You have to pay early. redistribution penalties. Early. distribution penalties. It's 10%. >> But apparently I'm 90, so that's okay, right? >> So it's okay for you. [laughter].

Plus uh in whatever your income rate is, which is a juicy income rate, you have. to pay that percentage tax on the gains. >> Okay. >> So you're. dude, you make money. Pay off your. palace. You're stupid. your dumbass. cornhole house. >> Barn. >> Barn. It is not a barn. I saw it. That. is not a barn. You don't know what. things are. >> Not a barn. >> It's not a barn. Everyone knows what a. barn is. That's not a barn. You don't. know what a barn is. You've never seen a. barn in your life. You barn. >> You call it a palace. Is that what you. call it?

>> That's what Colton calls it. And I. agree. >> Barnhole Palace. Okay. >> This new balance total of new What the. is this? You say you pay off your cards. every month? No, you don't. This has. $12,250. Bank of America. That's the direct. deposit advance. >> Wait, what? >> So, that card was my travel card. and that 12,00 I think it was like. 13,000. I forgot what it was. It was a. um direct deposit advance. >> You lose a job and just forget your old.

401k like it's a gym membership that you. never use. It turns out 25% of 401ks are. lost or forgotten. And that is not. pocket change. It is your retirement. ghosting you and rolling over a 401k. Good luck. You're calling old employers, hunting paperwork, maybe even faxing. things like it's 1998. That is why. today's sponsor, Capitalize, exists. They're a free consiers platform that. helps you find your old 401k, open or. connect an IRA of your choice and handle. the entire rollover for you from start. to finish. So, if you've ever switched.

jobs and left a 401k behind, roll it. over today. Seriously, your future self. will thank you. Big thanks to Capitalize. for sponsoring. Let's get back to the. show. Starbucks is [ __ ] and a waste. of money, and you already know that by. making your coffee at home and investing. the rest. So now you need to do that. with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR just 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in.

our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. Games. Literally, the cherry flavor is. insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. You advanced. your own direct deposits on a credit. card. You cash advanced. >> in the end. You cash advance. If you. face the $520 fee for it, by the way, cash advance, that's an amount of money. The reason,

>> hey, you know, this takes about 30 years. to pay off and payment only. And uh. that's basically what you put towards. it. It's a few bucks more. How much. more? >> And maybe it wasn't the best reason. It's not guarant fraud on my checking. account and it took it well and it took. it under the balance. >> Yeah, but you don't have to take out. 13,000. >> I know. That's that's the problem part. So, when I was on the phone with Bank of. America, they were opening a new. checking account for me, obviously. closing the other one, and then they're. like, "Oh, yeah. Here you like you've. been with us for 20 something years. Like, you've got this great offer. This. could I know. >> where you just made them an instant $550.

plus whatever interest once this. interest free period ends. >> I paid off my uh c like a ends in seven. months. 7 months this is going to be. acrewing at like 30%. >> I paid off a balance transfer with. discover. >> What are we doing? You just push push. push. You don't make any progress. >> Okay. So, the reason why I took out I. remember now the reason why I took out. more than what I needed just to like. float me till I got my refund back on. the fraud was I had a um. I had I was going to pay down the. balances on the the other one of the.

other Bank of America cards. >> Okay, which is also moronic. Just just. show me how moronic it would be to pull. off from your 401k now cuz you don't. change behavior. But go on. >> But I realized that you can't pay Bank. of America with Bank of America funds. So, I couldn't. >> So, where' the money go then? Cuz the. money is gone. You didn't put it towards. it. I paid off a balance transfer I had. with Discover and then I actually they. said that. >> so they said that you can't pay Bank of. America with Bank of America funds where. I know but so I used to pay like three. or $4,000 a month on my card the the.

other card that I do pay my bills on. >> So I would pay it down like I pay off. the statement every month when I was in. a better financial position. >> Why would you not be? You're making. great income and it's only going up. >> It's the barn. I'm telling you did not. budget appropriately for this barn. I. didn't know it was going to be. >> budget for it's impossible. That's not a. thing worth budgeting for. >> It was a costly lesson that I learned. when it comes to. >> costly. It's not done yet. >> I know that. >> That's crazy. That is crazy.

>> I modeled the the budget for the. building off of another person who lives. a little bit aways from me who helped me. build some of it. >> Oh my god. >> They paid $20,000 for the building. It's. basically an exact replica except for. the fact that I had to carve down the. dirt. >> Well, that's huge. Moving Earth is huge, >> right? Exactly. So, I didn't account for. how much of a difference that would cost. the different things I had to do like. the vinyl sighting for my HOA. He. doesn't live in an HOA. >> Why? >> I just it was. >> Why? If you have an HOA, why didn't you. run the plans past him before breaking. ground? >> Well, I got approval to to build the.

building. I did get approval, but they. didn't ask me for plans. >> So, you only use this to pay off your. card. I used that to pay off. >> and now it just sits here. Okay. Is that. all where it went? It didn't go to any. [ __ ] like uh going to Canada and the. Netherlands and. >> that was before. >> that happened. That was a while back. >> Well, two seasons ago, we know you spent. 16,000 in travel alone. >> Mhm. >> So, >> well, the tournament cornhole in.

general. Yeah. The opens and stuff like. that. That was like tournament cost, travel. I invoiced the uh I don't know. >> Invoice. Why do you keep saying invoice? So, who are you invoicing? What are you. invoiceing? >> I was making a point to I wasn't. expecting. >> making a point. >> Yes. The head of the league that I play. in, they had guidelines for the season. and said, "Okay, meet these guidelines. This is what you need to beat to make. pro for the next season." At World. Championships, they moved the goalpost, which is kind of shitty because we've. all been operating under these. guidelines. Like, if we do XYZ,

>> I just actually realized something. What? >> I don't give a [ __ ]. about that topic. Who cares? >> You told me. >> Who cares? >> No, >> but that's why I said invoice because I. said this is, you know. >> Okay. PayPal credit. What are you doing? Not paying off. Like you say, I pay off. all my cards. >> The PayPal. The PayPal one. I pay off. the amount to avoid standard and. deferred interest, which. I think it's like 2500. That's due. >> SHOP TIK TOK SHOP BAGS. $159.

EBAY, Disney Plus, WUFFS STORE, WUFFS IN. LAL, USA. I COULD tell from Wuff, you. dumbass. >> I didn't know if you knew what it was. >> From roughs. I think when people say. wuffs, they know it's a dog. >> I DOUBT IT. >> WHAT people actually have thinking. capacity, by the way, believe it or not. No, despite what you have experienced in. your own secluded life in your shed of. dumbass. >> 18 years to pay this off. 18 years. Pull.

up your Tik Tok shop right now. Right. now. 30% interest rate which starts. probably very soon posting DATE. >> OH [ __ ] THEY'RE OH. OH, MOST of them. are expiring in a month. [laughter]. >> Some of them are I was trying to say. 2500 of them. Go on. Let's see. >> my orders. >> The vibration plate from Tik Tok shop. What the [ __ ] Vibration. >> that sat next to. >> So that's how you get off when you don't. travel to these events. >> No, I actually bought that like over a. year ago and just never opened it. I.

forgot what was in the box until. recently. Okay. You got loaded tea. >> Yeah. >> Endless amount of like markers to draw. on. >> I have like a big glass calendar. >> in my. >> You'll have a phone and a computer. >> I know. >> $43 on foldable bedding container for. bed. >> A lot of it's house stuff. >> A two-piece dryer vent. Okay, that one's. actually fine. You didn't have a mop.

Doggy bed. That's potentially okay. depending on what you already had. Uh. disposal cleaner. That's chill. Doggy. brush. Also depending on what you had. >> Pet food mask. Pet pad peel mask. Pet. peel mask. Food peel mask. Food peel. mask. >> You got peel masks. >> Is it foot? [clears throat]. >> It keeps your feet soft. >> Oh, what do. >> you mean? See? Yeah. Remon.

sampler pack for fat and weird cookie. company. >> Oh, every you know, >> more tea. That was a while ago. >> Stickers for the back of your not that. long ago. Stickers for the back of your. car. That's necessary to survive. There's lots of shirts, lots of hangers, lots of tea. You get tea every second of. your life. >> No, I just order it in bulk so I don't. have to pay for shipping. >> Chair. It's an expensive little chair. >> What chair? >> Oh, and a desk. A chair. A desk chair. You chair. Desk.

That's part of the 2500. >> That's the screen record. Sorry, chat. >> Part of the 2500 that's coming up saying. you have thousands of dollars on here. and the payments are all coming up soon. You are just just Yeah. Good luck. Good. luck. At least it's not deferred. interest from what I can tell. But no, IT IS. >> But I don't. >> NO, MOST OF THEM ARE. Good luck. >> 2500 is due by March 9th. >> Oh, yeah. That's coming very soon. And. you don't put that much. Yeah. And you. don't put that much towards anything. So, I don't want to I don't want to Oh,

the amount. >> You know how I would trust if you do if. you uh had any semblance of that kind of. behavior and discipline in these. statements. They're not. So, I don't. believe you. That is an invalid thing. you just said. >> You don't believe me? It's not invalid. It's accurate. >> Okay. If it was accurate, it would be. shown somewhere in these statements. Bank of America, is this your pay bill. card? >> What's the balance on it? >> $3,784. >> That is the Yeah, the one that I pay my. bills on. >> Right. I don't pay it all off every. single month like you said you do. >> Right. That's the one of the Bank of.

America ones that was. >> 784.98. Minimum monthly payment 118. I hope you. pay it off. I really do. Listen, I just. have to go off of what I see in here. And what I see in here is you will not. pay it off. >> Okay. >> There's 17 years to pay this off. And. this is it is Experian credit report. I. don't know why you're paying for that. Same amount of money could go towards. dollar wise and improve your life. substantially more. You get it for free, of course, but Tovala. Tovala. $169 for. Tovala. What's a Tovala? >> It's the It's like not like a meal kit,

but like they send you the pre-portioned. meals and they have like the little oven. and you scan it and it cooks it for you. >> You've seen the commercials for it. They're all over TV. >> I have not. And all over TV. >> Do you want to see the. >> Hey, I'm not a Boomer. I'm not just. sitting down watching TV. >> Boomer. >> Yeah. Well, it's like on commercials and. stuff. >> I don't watch commercials. Boomer. >> Okay. >> You guys watch commercials? Where do you. see. >> a boomer? >> Like a Super Bowl or a college football. game. >> Really, >> girl? We don't watch commercials because. we like pay for YouTube Premium and.

YouTube is the best platform on the. entire internet by far. >> But if I paid for YouTube Premium, you'd. be yelling at me for paying for stuff. while I'm in debt. >> I put I put a subscription fund in. everyone's budget. Where you choose to. put 40 bucks, where you choose to put 40. bucks. But no, I don't watch slop. [ __ ] on TV that just shoves ad down. your throat. I don't know how people. make it through that. I really don't H. holiday in like I actually I love some. slap TV. Give me some 90day Fiance but I. watch it ad free after the episode is. done. Yeah, but after the episode is.

done I watch it ad free on like Hulu or. something. So what the. >> Holiday in? Great traveling to get some. dick. Holiday in. Great traveling to get. some dick that was reimbured. >> Walgreens getting our morning after pill. for $4543. Makes sense. >> I got reimbured for that Holiday in in. Nashville. >> Did you get reimbured for the morning. after pill? >> I didn't take a morning after pill. >> Oh hoping it leads to something. >> I take birth control. Do you still need. to I'm not 50. >> Okay, Chewy, I understand that. Tovala, you toal again. Yes, it's weekly. >> cuz I'll throw it back and that's when I. get to Tvala is weekly. They send me.

>> Okay. Uh Nest. Yep. Tovala. You're. spending a lot on that. Tovala Netflix. >> It's lower now. It's like 12. >> My choices supply. What choices are you. making for $431? >> So I I vape and instead of paying $25 at. the gas station, I buy in bulk. My you. bulk vape. You are a broken individual. You are a disgusting broken individual. Hey, I pay my bills every single month. You've had a late fee this year. >> That that was because of fraud. I paid. the day after it was due. I looked.

>> If it was fraud, they would reverse it. though. If it was because of that, >> I could easily call them. I at this. point I don't know. >> I could it was at this point. Yes. I had. fraud. >> Then do it. Why is it on this show I can do that and. then they JUST NEVER DO? EXACTLY. THEN. WHY HAVEN'T YOU? THAT IS EVERY single. guest on the show consider. paying it. You had fraud. >> punishment. What is wrong with you? You. [ __ ] weirdo. What do you need to be. kink fraud? What are you?

>> I should have I should have $27. I. deserve that. Oh, >> I did deserve it. So I left it on there. I could call them and remove it. I just. >> give me a fee again. Daddy. >> Oh, what the No, it was fraud. You went. to fraud. Call it. Why is it always I. can, I will, it will happen. It's going. to happen, but never I did. >> Okay, I will call that. >> Lovely how that always happens on the. show history. The card I that I put my. bills on that I pay off every single. month accured $1,63 in interest. [ __ ]. off. >> So that is why I don't believe you will.

pay those off cuz you don't, dude. You. don't. Everything about you is I will or. it's going to happen, but it never does, never has. City $462. What is this? That. was for this trip. >> Okay. Well, you know, that'll get. rebirth, so it better go right towards. it. So, I'll cross that off for now. >> Okay. It will. >> He's not here, is he? >> I feel bad for all of you for later. then. Cuz I know usually once you get to. a hotel, it probably starts like pulsing.

ready. >> Just expectation. Smell that holiday in. lobby. You start getting nuggets. >> Our next trip is next weekend. So, to. Memphis. Buddy, what are you doing with your. life? Let me just talk to you for a. second. I've seen you. I know what you. look like and I know the age you're. doing. >> Huh? >> He coaches college soccer. >> He coaches D5 soccer. >> It's I think it's D3, I think. >> Yeah. Okay. So, he's a volunteer. >> Is he sticking in anything else?

>> As far as I know, he's not. >> As far as you know, >> I can ask him. We're calling him in the. post. Ladies and gentlemen, it's. official. We are calling this weird. 30-year-old YMCA coach in the post show. >> You'll like him. Actually, I think you. guys will get along. >> Okay. >> He loves He loves fake tits like Brandon. does. So. >> So why would I get along with him? >> They'll have something in He gets along. with everybody. >> Does that mean you have fake tits? >> I do. >> I paid for them in cash. Don't worry. Before the. >> It's not what I'm worried. What the [ __ ]. are you doing with your life? $25. minimum payment on this Apple card. $227.

owed. Apple bill. Give me your phone. It's all Apple bills. Listen, I'll give. you a course career certification on how. to not be a actually that doesn't exist, but course careers, please make it. Listen, I don't know. I'll gift it to. someone you need because you actually. have a good career and you got to use. the Fizz card, a debit card that builds. credit. Use the dollarized budgeting app. and go through the master your money. program. You get it all for free. So, you get all the classes in the. community. Okay. Take it all. Take all. the resources. >> I will. >> Stop being a [ __ ] You're being a.

[ __ ] [ __ ]. Wow. Your profile picture is facetuned. >> It's what? >> Facetuned. >> What's facetuned? Is that like edited. >> or extremely old? Right. >> No. >> Right. >> It's not that old. >> So Facetuned. >> I don't know what I don't know what. Facetune is. >> Edited. >> I I mean I didn't edit them. >> Who did? >> Nobody to my. >> Apple Bill iCloud Plus. Okay. You have. You must be doing Apple Pay. You must be. purchasing cuz it's like $54, $48, $28.

I think one of them is a subscription. >> Okay, this card is paid off every single. month. So, I'm not putting this one. But. Bank of America, you did some purchase. was 175. It's still all [ __ ]. Meaning, this is money. Shut the up. This is money that could go towards. PayPal before it starts acrewing before. the deferred interest hits. It could go. towards the 15% SoFi loans. So, it's. still [ __ ] Even if it's paid off. every month, it's still [ __ ] cuz. it's Burger King Jack in the Box. Which, by the way, if you're doing this meal. prepping [ __ ] service that everyone. sees on TV, no one watches TV. >> That was when we were in Myrtle Beach. Pack a sandwich.

>> There's four days. >> I love this guy. We go on vacation. somewhere. Where do we go? Trying the. local cuisine. I'll tell you. Burger. King, Jack in the Box, Chick-fil-A, Chick-fil-A, and Duncan. >> So, >> that's my favorite local coffee shop. >> Duncan is my pre like tournament spot. >> We always these tournaments. Let's just. be real. Okay, >> drop the goon for a second. You just. can't afford these. >> Chick-fil-A stuff. That was at the. venue. >> Okay, I guess not. >> That was at the venue. >> And then Carolina Ale House. So, at. least you got something unique for $94.

and. >> you paid for the other half of like. >> you can't afford this [ __ ] This is. money that could be going towards your. 15% SoFi dumbass debt or the even better. PayPal credit before that deferred. interest hits. >> Okay. This one also gets paid off. So, I'm not writing it down, but Capital One. Venture. It's still money that could be. going to places. That's where pet. insurance is. Is that that price makes. sense for three dogs, you said? >> Mhm. >> Yeah, that makes sense. About 150 bucks. >> And I just I put it on that card just so. >> with this Bank of America. Not worried. about that. Uh, looks like gas. That's. all gas. That's okay. That's fine. See,

when you when you say you're going to. pay off all my cars, it's like [ __ ]. [ __ ] you. You pay off these couple cards. that you put like 20 bucks on. Like, [ __ ] you. You have these thousands of. dollars of cards that are including. thousands in interest including deferred. interest that you are not paying off. you. So, when you set up this. conversation about cards, I pay OFF MY. CARDS. NO, YOU DON'T. YOU LIAR. You. coping coping mother. I don't want to. hear it. See, and here's an example. I'll tell you what you didn't PAY OFF. WELLS FARGO outdoor solutions. Let me.

guess. For our hut. Our little corn hut. >> Nope. >> For what? Then. >> for a hot tub before the building. [screaming]. >> So your fake paid off. >> It's almost paid off. >> 4,000 is almost paid off because it. started at 16. >> Yeah. >> Like you. It's still 4,000 hours, [ __ ]. Like shut up. >> It's a nice hot tub, though. >> Great. Well, >> you don't want a hot tub? No, >> we're relaxing, >> bro. It's 100° every day here. No, thank. you. That's fair. $4,547.

Hot tub is just stepping outside. $2681. a month. 16 more months to pay this off. Minimum payment only, but interest is. already acrewing. It's already acrewing. So, it's not like you're making. progress. Shut the up. You could be. putting all your Burger King, Jack in. the Box, Dugan, cornhole [ __ ] stupid. ass towards this interest acrewing card. instead of your life. This makes no. sense. You're being a silly goose and I. don't like it. And the low interest rate.

is 4%. Okay. Okay. Is this a car? >> Is it 6. >> $7,000? >> That's the That's the car. >> $364.61. What is the car? >> Uh, it's a 2020 Jeep Grand Cherokee. >> Okay. Not great. I had a. a 19 Jeep Cherokee. Not Grand Cherokee. But listen, still not great. It's. basically I mean it's like the same. [ __ ] So, uh you have an equity position.

surprisingly it's worth about double. about 16,000 bucks. >> Yeah. >> But. >> the problem is in Tennessee it's not. it's not 4x4. I um 2019. >> Tennessee is it's not 4x4. Why why does. why does that matter in Tennessee? >> Because like the ice snow when we get. snow it's. >> Yeah, but that's rare. >> I mean it happens though. And again, I. travel, so I know you don't want me to. travel, but when I travel, >> you travel for fun, not for necessity. So, you don't need to travel when it. when you're snowed in. >> I have almost slid off the road.

>> Shut the up. cornhole, though. >> No, that wasn't. That was going to. someone's house. >> Don't go to someone's house when you're. snowed in. >> Get snow tires. >> I do need to replace the tires. >> I had front wheel drive in West. Michigan, which is a trillion times. snowier. >> I feel like that's dangerous, though. Yeah, but I did it and I never crashed. My entire family done that. just makes me nervous. So I feel. Okay. Well, >> that's cuz you're a [ __ ] Listen, >> I [ __ ] sedans everything. I was re.

frontwheel driving and it was stupid. It. was stupid. Or real I don't know. But. just, you know, whatever when it's just. one. >> It It's just like it's fine. And you. know, I went to Western Michigan. University. It's like the eighth. snowiest college in the US or something. like that. At least when I went there, that was the statistic. Who knows what. it is today? I'm sure that [ __ ] always. changes, but like shut the up. And I was. My job was delivering driving Jimmy. John's. Shut the up. You're fine. >> So, don't get a new car. >> Southerners are [ __ ] You grew up in. California, so you're an extra [ __ ].

No, don't get a new car, [ __ ] You have. double equity position. Listen, 6.29%. interest rate. It's not thrilling, but I. mean, okay, you have an equity position. I mean, if you wanted to sell it and. take out a loan to get a $10,000 car, so. you'd be bringing in like an extra $2 to. $3,000 loan, you could do that, but I. don't that's not the biggest thing. Okay. Mortgage. >> Mhm. >> Good. Love this minimum payment. 1,13281. That is that where no one wants to live. balance. Let me tell you,

it makes sense. $173,41. Yeah. I mean, 3% interest rate. I love. it. >> Was during co. >> I love it. Yeah. No, it's great. No one. wants to live there, so it's perfect. >> I love it there. >> Uh-huh. >> I do. >> Uh-huh. >> Better than California. >> Uh-huh. Heaven address. 2,900 in our. checking account, but it is down from. 3,200. And it's all pay advance. Pay.

advance. Pay advance. PayPal going out. Okay, that wasn't crazy. And yeah, 20,000 in savings. That actually is. quite good. And 535 in that one. So, okay. Well, that that's good. >> It is this one right here. >> Yeah. Just click on it. Don't say it. And I don't want you to dox yourself. Not that we want to bleep it, but either. way, >> it's showing. That's not the picture. that normally Oh, it's Zillow, though. I. usually look at it like that. It. >> doesn't matter. Okay. >> Okay. So, just a cold as heck house. >> Mhm. >> Oh, okay. Wow. Great equity position. We.

love it. >> It's worth about 318. You owe 173. Good. Nothing to complain. about there. Well, let's see if we can. just budget your life and see what. you're willing to sacrifice because. that's the big conversation here. Let me. let me get your minimum monthly debt. payments not including your mortgage. Okay. Your debt minimum monthly payments. not including your mortgage. $1,56546. Might be off a couple dollars cuz I. can't read one of my numbers, but it. it'll be very close. Mortgage, and we.

love this one, is less than your literal. minimum monthly debts, which is moronic. It should say something. $1,13281. Uh, what is. >> that? Might go down a little bit. >> Okay. Well, when it does, put it in your. budget. >> What is your utilities, internet, gas, electric, all that good stuff combined? >> Utilities. Uh, I wrote down 515. >> Cool. How much for gas from drive drive? >> Less than 100. So, we'll say 100.

>> Okay. Car insurance. >> Uh, I pay it every six months. And its. $5.97. every 6 months. >> Okay. So, we'll say 100 bucks. >> Phone bill. >> 110. >> 300 for food. You're meal prepping. You're not using the stupid ass. services. Go to the grocery store. >> Okay. >> What the [ __ ] are you doing? Cook a few. times a week. Warm that [ __ ] up. TP. fund. 100 bucks. Anything else you need. to survive? All that good stuff. Medical, healthcare, co uh co-pays and. whatnot. How much?

>> Um for medical like 70. >> Cool. Is there a gym? >> No, I have gym stuff at home. >> Pet insurance, I'm going to say 150. Just rounding. Subscriptions. Let me put. in 50. Uh, okay. Anything else that needs to be in. there that I have not put in? >> That looks uh pets, like pet food. >> Yeah, pet food. How much? >> So, I wrote down 550, but that's. >> okay. Just how much? >> 550. >> Okay. diet food, I assume, or like weird.

medical allergies or something for them. >> Um, that's including their like the. wuffs and like their supplements and. stuff like that. >> Do they need that? >> Well, the the boy, he's the one who. takes it. He's 16, so. >> Woo, good for him. What kind of dog? >> He's a border collie German Shepherd. mix. >> Ah, good for him. I love that. >> He's had double ACL surgery in the last. like two years. So, >> okay. Well, listen, you got to basically. I'm going to round for the sake of it of. just safety about a,000 bucks a month. left over. >> Okay?

>> And yes, you need to pay some of these. quicker like the uh PayPal credit, but. you just prioritize the order. I would. prioritize that and then I would just do. smallest biggest. And you might do that. car trading and then bring that $7,000. loan down to a $2,000 one. But. >> are you saying smallest balance or. smallest like interest? >> Balance. >> Okay. >> You actually have to change your. behavior. Do not take shortcuts this. time. You have not learned it. No 401k. takeout. >> Okay. We're not doing that. No. consolidation, no transfers. $225,000. and well and $12 and4 minus your.

mortgage of $173419. Oh my gosh. Okay. Okay. You got bad debt. $51,610. So obviously that is 51 months which is. chunky. That's four years. That's not. that bad. You got nothing else going on. in your life. So listen, if you go out, work extra jobs, you use that money to. pay for your cornhole.

>> Okay? >> Cornhole does not fit in this budget. If. you actually care about getting out of. debt, if you don't actually give a [ __ ]. then I don't give a [ __ ] And it sounded. like you really didn't when it came to. prioritizing cornhole. So we'll see. But. that's what I would do. It's four years. Your emergency fund is great. In fact, actually, since you have high interest. acrewing debt right now, takes you. $5,000 to five on a monthly basis. What. I would do is take 15,000 of it and. throw it towards PayPal and SoFi. >> That's what I was going to ask. >> Yes, I would do that. And that helps. And then you just have to recoup the.

emergency fund, which for you once the. debts are paid off would be about. 21,000. So, >> yeah, replenishing that it'll still. maybe like three and a half years then. total and then you're done. >> But take that out, pay off stuff like. immediately. Okay. >> Anything that you do go spend on. cornhole, you need to go make more money. to pay for it though cuz it does not fit. in this budget. >> So, no cornhole fund. >> No, go pick up a second job, >> okay? >> Or work more whatever you can do.

That stuff pays for it. Anything else. needs to go towards fixing this. situation. Guys, I'm gonna get the. hammer financial score, but join us for. the post show. I'm gonna call this uh. this penis man, and I am uh. >> Oh my god. Oh, she stole her ex's car. Okay, we're going to talk about that. That's going to be crazy. And uh we'll. see if we can play some cornhole as. well. So, make sure you join Hammer. Leaf, the number one and best membership. on YouTube. Click that join button. Three premium shows posted every single. day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. Let's get.

this hammer financial score. Spending a. budget 0 out of 10. You overspent. collections. It's It's not the worst, but it is high and it's some stupid. interest and it's some dumb debt. 2 out. of 10. Emergency fund. Well, okay. We. did the debt score based on what that. is. So, we'll do the emergency fund. based on what that is. Your emergency. fund would need to be high right now cuz. you have high minimum monthly debt. payments. Right now, it's actually about. a 6 out of 10. Retirement, 8 out of 10. In real estate, yeah, pretty damn good. I'd say I mean, there's a risk of a. loan, but other than that, you're pretty. damn great. N out of 10.

Hammer financial score right down the. middle. Five out of 10. Join us in the. post. See you there. >> Oh my god. Hello. >> What the are you doing with your life? >> Oh [ __ ]. >> 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 pinned comment. or description below. This is the best.

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