The Most Racist Woman On Financial Audit

I'm not racist towards anyone. Now, if. you're acting like a hard R, I don't. care what race you are, you're acting. like a hard R. Your black husband is in. prison. Of course, this has to make. sense, dude. Don't act like it doesn't. I live in the ghetto and I hate all the. Mexicans that work on my car there. >> Good night. You said it, not me. >> Black Lives Matter started happening and. everything was going off. >> I know you don't like those. >> No. No. >> Sign up for the new and improved. Dollarise budgeting app. Take the free. trial and if you like it, sign up for.

the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. And for a limited time. only if you want to bundle all of my. educational programs together with the. budget app, join dollar wise central and. save 80%. Take the trial and learn more. at dollarwise.com. Hey, my name is Stephanie. I'm 41 years. old. I'm from San Antonio, Texas. And. this is Financial Audit. Yes, it is. Thanks for coming up from. San Antonio. I really appreciate that. Listen, uh, a part of me is kind of.

excited because we never really have. people over like mid30s, you know? It's. rare. It's rare. So, that's it's. exciting to have someone closer to. middle age. Um, good. I'm glad. I fought. really hard to get on here. Actually, this is like the third time. Were you. like, "Yes, this [laughter] is the third. time." This is the third time to apply. And if y'all weren't going to accept me, first I wrote like kind of a thing, then. I didn't write anything. Then, I wrote. like an essay. I was ready to give you. like a book if you weren't going to let. me on. >> Well, I don't see any of them, but I. appreciate it. [laughter] What do you do.

in San Antonio for a living? >> Um, I am mainly a swim lesson teacher. and swim coach. >> That's a full-time gig. >> in the summer. Well, I started in May. and I'm stilling teaching and I don't. want to be. Um, [laughter]. >> okay. >> But I I in the height of the summer, I. work 10 hours a day outdoors at an. outdoor pool. outside. >> Yes. >> Yeah. That's It's hot down here for. people who don't know, >> but you're in the pool.

>> Okay. It's standing there like waist. deep in like piss water kind of, you. know. >> Okay. You You clearly hate this. Why are. you doing this? >> I don't I I've done it for 20 years. Um. >> I really enjoy it. Honestly, I work with. I I. >> does not sound like it. >> Okay. So, I've done it for 20 years. Um. I. I work with people who have a lot of. like fear and like I help them through. their fears and like touch on anxieties. Yeah. I get a lot of people who are.

super afraid. All ages. So um 18 months. all the way to adult. And then the past. 5 years I've kind of started. specializing with like special needs. So. non-verbal autistic, Down syndrome. Um. >> we let them swim. >> Yes. Autistic kids actually love swim. >> I wasn't talking about the autism ones. >> Um The tism ones are the funnest and I. get the most like we catch vibes. probably because I'm a little autistic. >> with autistic kids. That's nice. >> But um so I'm um emotionally burnt out. on it because you can imagine it.

requires a a huge level of patience to. like. be giving all your energy to someone. who's super afraid and like possibly. like clawing and like climbing up you. I. mean I like physically wrestle with some. of them. the autistics and the downs. These. >> Yeah, the downs. >> We're tackling the Okay. Especially the. downs we're tackling. >> They if they're if they're super afraid. and they don't want to do something. Yes, cuz we're doing it cuz it's saving. lives, people. It's It's drown proofing.

people. So, yes. Yeah. >> Okay. And this is. >> Are you even getting paid for this right. now? Cuz it's entering. >> I also get paid quite well. I get paid. um $40 a lesson. So, it's like $80 an. hour that I make. >> What? Yeah. $80 an hour. How many hours. a week? >> Well, 40 hours a week in in the Well, I. start in May and it's usually about. >> When does it end? >> It used to end in August. So, in June. and July, it's definitely 40 hours a.

week, but then in August and May, it was. closer to like maybe 20 hours a week. And then during the rest of the year, um. like I was a stay-at-home mom or I would. just like work like part time. Yes. I. have two kids. >> Eight and six. Is there a father. involved in this? >> Yes, my husband. >> Husband? >> Yeah, we've been married for 10 years. >> Oh, we're calling him Fox. Very good. How old is How old is Fox? >> He's 38.

and I'm 41. Yeah, that's right. >> Okay. >> Mhm. >> Okay. So, what's. >> I'm 37. Sorry. >> What's going on? What? You're Wait, he's. 37. >> He's 37. Sorry about that. Yeah. >> So, what's going on? What are we talking. about? So, the main issue now, and which. is why I was trying to get on before all. of this happened, well, we hate. illegals, but my husband suggested. smuggling them. And so, now we've got to. figure this out. [laughter]. >> Wait, no. What does that even mean?

[gasps]. >> Okay, >> I'm assuming we're talking to illegal. immigration. >> Yes. >> Okay. So, [laughter]. >> Okay. You and your husband hate them, but. >> Well, okay. We're we're definitely like. we're definitely most people would. consider us like extremist rightwing. Um. I don't know how extreme we actually are. but um we definitely don't well we. definitely don't agree with illegal. immigration and I'm down to like. >> ship them back and I heard something.

that like Trump is trying to pay. illegals to like go back. I think that's. a great idea. I'm not necessarily pro. Trump. I'm just saying that I think. that's a great idea. Um. >> is Trump too far to the left? >> I think he's an independent. I don't. consider him a Republican. I think he's. an independent and he's probably. controlled by his little handlers as all. of them are. I I'm more like I don't. know. I There's There's other people. running the show besides him. But we. don't need to get into Trump and all of. that. Like whatever. >> Well, listen. No, no. I mean, it's. interesting because you said some people. call me far right, but I don't know if.

I'd call myself far right. Um. >> to me, I'm more moderate, but nowadays. >> moderate on what spectrum? Cuz we've had. a lot of far left. It's about time I. have a far right. >> I mean, >> pretty exciting. >> I mean, my husband's half black, but. he's also kind of like, uh, I think like. people are better than black people, >> huh? He says black people are better. than black people. Oh, white people are. he he doesn't really have a racial home. because he's he's his mom is white and. his dad is black and he was raised by.

his dad who is black and um the only. racism he's ever experienced has been. actually from black people because he's. not black enough, whatever that means. >> Okay. >> Because he talks like some white gamer. nerd um who's read like the Warren. Report. So, he's kind of the weirdest. person you'll ever meet. Well, answer me. this. How often do you drop the hard R? >> The hard R. >> Oh, you know the hard R.

>> Jokes or what? What is the [laughter]. hard R? >> The N word. >> Oh, all the time like on the daily. [laughter]. He is one. >> [laughter]. >> He would say that. [laughter]. [crying].

um. >> we judge everyone based on their. character and not their color. But. >> I can appreciate that. I'm not. necessarily dropping hard ours though. >> Well, not like to someone's face, but in. the privacy of our own home. Yeah. and. to him. >> Well, yeah, but that's fine. >> Okay. I'm still confused by the we hate. illegal immigrants, so we tried to. smuggle them and that's. >> why we're we're and we're trying to.

clean things up. >> So, he's incredibly confused, too. Um, basically, this was like a result of. money desperation. Um, he has been. through a lot of we can get into if you. want. We don't have to. um he felt like if I can just get this. big chunk of money, this is going to. make up for all this stuff. Like we need. this. Like this is going to help us set. on the right foot. Like at the time he. was just working like a janitor job at a. church for like $10 an hour. And he's. like, "If I could just get some money,

like that's going to make up for so much. and all this these bad things that I've. done." And so. >> things that are done, >> right? Well, there's been like substance. abuse stuff and and different things. Um. he's just had a lot of. >> And which half of him did that? >> He's had a lot of mental health issues. Um which he's currently working on. Um. >> that's good. >> Yeah. I mean he's not someone who's like. a victim mentality. It's like no, I did. this. I up and now this sucks because.

he's like oh because of greed I'm going. to real quick get like 4,000 bucks and. I'm just going to give these people a. ride. >> by smuggling. Well, they didn't tell him. it was that and it was through like I. don't know. >> Wait, wait. This was already done. >> Yeah. >> Wait, this was done? Yes. Oh, hold the. on. Tell me. Tell me. >> Cuz tell me what happened. >> Cuz he's in prison right now, which is. why he's not here filming. >> Your black husband is in prison. >> Of course. [laughter].

Yeah. [laughter]. Yeah. Black daddy's in jail. Who knew? [laughter]. >> Yes. Yes. >> Which we've joked about regularly. >> Oh, I'm [laughter]. >> And because in jail, um, they do it. well, it's actually federal prison. And. because they do it like by race, like. you have to have, um, like [laughter]. Okay. So, when you go into the prison, they um like they ask you to be part of. a car, which is like who you ride with.

So, it's like, >> who does? Who asked you that? >> When you Yeah. When you're an inmate, all the people come up to you and. they're like, "Hey, dude. like what what. car do you want to be in? And so it's. like the blacks tried to claim him and. he was like, "No, I'm not." And then the. whites were like, "Well, >> he doesn't like black people, >> right?" Which is why he was like, "No, I'm not going to ride with y'all." Um, and then like the whites were like, "Well, I mean, we're down with you cuz. you're basically a racist, but like. you're black. We can't take you." And so. he's the car he's in is called I think. it's like Solana or Solano, which is.

like you're independent. And apparently. the child molesters have their own car, but they're in their own separated camp. >> And he's not in that. >> He is not in that. [music]. >> Each of the cars has their own TV at the. prison that they that they are allowed. to watch. So it's like the blacks are. all in one corner watching one TV and. then the whites are over here and the. Solanos have their and I guess the. childers [laughter]. have their own uh TV at their own camp. which is separated. And then we were. joking it's probably on Disney Channel.

cuz [laughter]. cuz it would be. >> So when did this happen? Operation Over. the Border. This. >> So he was arrested. Okay. So this was. July of 2024. So last year he was. arrested on July 1st. >> It was during Biden's administration. >> Yes. >> Okay. I I don't know how the politics of. it all plays out, but like basically he. he is like so. he's like, "What kind of up person am I. that I'm going to go against my own.

belief system just for like some some. money?" But I guess that's. >> Well, you guys self-confessed hate. illegal immigrants. >> Well, hate's a strong word, but I mean. I'm we're very anti- illegal. immigration. If you want to move here, great. There's all kinds of legal means. to do it. Please do that. >> I think everyone likes the legal route. >> Yeah, sure. >> Right. So, if you're gonna like. come illegally over here and be like, "Oh, no. This is so hard and they're. doing all this mean stuff to me and.

separating me from my children." It's. like, "Well, you kind of broke the law.". That's why is like, um, yeah, I'm in. here and this is my own fault. Like, there there's no one to feel sorry for. me. Like, this is this is what I get cuz. this was stupid and now I'm here. And so. that happened last year. Um he was in. the holding tank um for it was basically. four illegal immigrants for two months. He got super sick. He actually developed. MRSA. If you don't know what that is,

it's like advanced staff infection. Then. they were like, well, if he needs um. medical help, like you're going to have. to bail him out. And so he didn't want. to be bailed out. He just wanted to sit. there and like serve the time. So they. bailed him out. I bailed him out for. $1,200. just said, "Okay.". >> I bailed him out for $1,200 and then I. had to rush him to emergency services in. San Antonio and then he had emergency. surgery that lasted for however long he. he got better. He started working and. now he the sentencing happened in May of.

this year and now he went to jail in. August. >> How long is he in jail? >> He's going to be in there probably until. this summer. The sentence is 18 months. but it's probably going to be closer to. 10 months. >> Okay, that's not. >> Sorry, that was. >> oddly not that crazy for enforcing. smuggling. Well, well, it's the the. charge I think is conspiracy. technically. >> Yeah, I feel like that should be. punished a little heavier. >> He didn't cross any borders. So, they. were already in Texas and they were. going from one Texas city to another. Texas city, which I think is.

>> so he internally smuggled. >> Yes. >> But no, no. The reason I asked that. original question before we went down. that and you started explaining your. beliefs a little more, I'm start I'm. saying you hate illegal immigrants. self-confessed yet he got arrested for. smuggling them internally. >> Yeah, he went against. >> makes no sense. And I'm confused and now. we're because of that. >> Yep. Yep. >> That doesn't make sense. [laughter].

>> Um I. >> you know that's like the most pro-life. person offering abortions in their back. room. >> Yeah. Well, >> like that doesn't make any sense. >> I told him not to do it. By the way, this wasn't a secret. Like he he told me. and I was like do not do this. Why are. we doing this? >> Your husband, you told him not to. And. then he did. >> Yes. >> Uh. >> yes. He's like, "We just need this. money." I'm like, "But we don't. Not. that bad.". >> And then he did it anyway. >> Okay.

Is his money-making opportunities? And I. would suggest yes. After this, what is. it? What does he have? Felony. I told. him if this didn't work out that I get. the biggest I told you so of my life. And he's like, "Deal, >> that doesn't pay the bills. >> I got the biggest I told you so of my. life." Well, yeah, you're 100% correct. He is he's he has a permanent felony on. his record. It can't be um expuned as. far as I know. Um I've looked into it. He's looked into it. Um he has a federal.

felony. for the rest of his life now. >> He was smuggling people. I mean, this. >> I I Hey, he I don't want any sympathy. and neither does he. I want solutions to. how to fix this. >> Uh, well, one half of the household not. working. One, definitely not bringing in. money right now other than pennies for. maybe any. >> I was trying to get in before he went in. so we could try to make a plan, but that. didn't happen. So, >> I don't know how we missed you. >> Right. >> That's a flaw in the casting system, I'll tell you that.

>> They told me there was some issues cuz I. got ghosted. I was like going through. the process and then I like got ghosted. and I was very sad. But I'm here now. So. >> So what was he making? You said like 10. bucks an hour. >> No. Well, okay. So he's an electrician's. apprentice. So when he has solid work, which he pretty much has for the past 5. years now with the. >> he makes before that he's made uh. anywhere from 21 to 24 an hour with. benefit. >> and well with benefits. Now, that's.

going to be interesting to see where he. lands after all this is said and done. >> He can still get hours through the Texas. trade licensing. I don't think the. felony will affect it, but it just. depends on what company you're working. for. He still hasn't finished his. apprenticeship hours. So, you need 7,000. hours to take the journeyman's license, and he has 5,500. >> How are you going to pay your bills now. that swimming season's coming to a. close? >> Swimming lessons in But it's coming to. October. >> It's coming to a close, isn't it? >> Yes. Okay. Here. Here's my do some.

indoor YMCA. >> I I have another pool that I work out of. that I can do indoor lessons, but I'm so. burnt out from wrestling spurs that like. I I I need a break, dude. I could like I. could cry thinking about it. I'm so. drained from all of this. >> I'm tired of this, GRANDPA. >> THAT'S TOO DAMN BAD. >> I'VE BEEN DOING THIS FOR way too long. >> Okay. Um Well, yeah. I mean, >> and now but it's like, okay, well, we've. got to pay bills, so like do what you. got to do. And so that's why I'm still.

at the pool doing it. Now, when November. comes, I am going to take a break and I. have like some organizing uh gigs like. through different people cuz that's kind. of what I usually do during the year is. like eight and sixyear-old nwords. >> No, >> little nwords. >> No, [laughter]. just wanted to make sure. >> That'd be a bit much. >> Huh? >> That'd be a bit much. That'd be a bit. much. Okay. [laughter]. Okay. Okay. So, what would you want to. do if not uh tackling down syndrome.

kids? >> Um, do you do you like help once you. know someone's an illegal immigrant? Like like uh. >> how would you know that? >> No. No. Once you know someone's like a. dreamer, do you like just let them. drown? >> No one is going to tell me, "Hi, I'm. here to swim and I'm a dreamer." Like, >> but if you found out? >> No. I mean, no. No. I'm Catholic. We're. not allowed to do that. Even if you want. to. You're not allowed to do that. >> Okay. Even if you want to. Okay. [laughter]. >> Hey, that's being for real.

>> Yeah. No, I appreciate it. I mean, I I. have a direct quote from your. application. >> Oh, boy. Here we go. >> I I I actually I lost it. It was there. for a second, but it was like, every single person on your show's a. liberal, and I want you to finally have. a normal guest. >> Yes. >> You're not that guy, pal. Trust me, you're not that guy. >> Yeah. >> Yes. I watch a lot of I like I've seen a. lot of episodes. I've even gone to like. the first like some of the first like. ones which is kind of neat. You're a.

little bit younger and it's fun. >> So, are you gonna stay with this guy? >> Yeah, 100%. >> Okay. >> Yeah. >> Okay. >> I I know this sounds like oh well he's. blacked down in prison but it's like he. >> from you. >> Well, right. >> I'm not say that. I'm seeing a lower. income committed felony. >> He is a great He's a great dad. He was a. great provider. He's He is 100%. dedicated to me and the kids. >> How did he find this job? >> Through some terrible app. I forget. Uh.

what's through WhatsApp through. >> through WhatsApp. There's a change. He. found a change. >> I'm like slightly boomer. I don't know. >> The app called whatever. >> That's okay. >> Yes. That's is that is how he got it. >> So what are you bringing in on average. on a monthly basis? What can I put down. as your income? Especially now it just. headed into the cold. >> This is what's insane. So, it was at. like. 1,500 per week and now I don't even know.

what I'm going to I I have no idea what. I'm going to make. Like, I have four. jobs where I'm going to be making like. probably $20 an hour and I'll probably. get like. at least maybe 40 hours from it. Um, but. I'm like flying by the seat of my pants. because, you know, I that's another. thing. It's like I want I I've already. tried to apply at a bakery I used to. work at and they were like, um, no. I'm. like, I have all this experience. Like, why? And I think I have a pretty good.

resume. Um, >> when did you work there? >> In 2006. It's been a while. >> And did you call someone the nword when. they try to hand you change? >> No. I'm actually a great cashier cuz I. love shooting the people and I'm very. friendly. We're shooting some of the. [laughter] sketchier ones when they come. in. >> I treat everyone equally as I see them. >> As you see them. Okay. [laughter]. Now, how you see them? That's a. question. Uh, okay. Uh, so what's so we. don't even know what to put for your.

income right now? >> No. And I also. >> bring in income, we just don't know. >> I also try to go to because I will make. happen because I've been like this my. whole life and I will I will make it. happen. It's not like, oh, I can't find. a job, so whatever. Like, no, I will. find. >> You have a degree. >> I have 108 credit hours and no degree. >> Okay. Credit hours from when? >> From between the years of 2002 to 2014. >> Okay. Well, they're all over 10 years.

old, so they're not going to be. >> Which is what I be able to be. Before I. came last week, I tried to look into. this to see if okay, is there a few. classes I could take to try to get an. associates to try to like I don't know, at least have that. And I I actually was. going to do the course careers like. >> I'll get you one for free. Yeah. >> Well, I was going to do it without you. and then I was like, "Oh my god, it's. $500. Like, what if this doesn't work? Then I've just like wasted 500 link.". But yeah, >> I Yeah. >> Well, it's not a waste. It's continued. education. >> I just don't want to make I don't want.

to make another bad decision. Like I. I want to make sure that whatever I'm. like moving forward is actually going to. like pay off because if I go to school. and want to study like lesbian dance. like that's amazing but babe you're not. >> haircut. >> I think I do look like a lesbian. I. really hate my hair right now. >> Yeah, >> I had to cut it off cuz of all the. chlorine. >> Oh, that's not good. >> I know. >> Okay, >> you can call me a lesbian all you want. It's fine. Um, >> thank you. Look, private student loans. can make you feel like you're one.

mispayment away from selling your. grandma's heirlooms. We miss you, grandma. Why? Refi says, "Chill out. No. more sacrificing the family jewels. They. don't reduce you to a credit number. They actually want to see if you. actually plan on paying them." And by. the way, they're providing interest. rates under 6%, which is practically a. unicorn in the student loan jungle. I. mean, some lenders want to charge so. much that you'd swear they're putting. your firstborn on layaway. Tired of. monthly payments so high you can't. afford a single sweet treat? Wire refi. has got you. They'll rearrange your.

payment plan, ease the monthly hit, and. even let your poor co-signer off the. hook. Mom or dad can finally breathe. Oh, and if you think you'll just get. stuck in a call center, guess what? 4.6. stars on Google says why refi actually. picks up and treats you like a real. human. Shocker, right? In finance, that's about as rare as me not slamming. the desk every single episode. So, if. you're done fantasizing about robbing a. bank, don't do that, by the way. Check. out Yrefi. They're here to help you. actually crush these loans without. selling your kidneys on the black. market. Head to yfy.com/hammer.

That is yrefi.com/hammer. Or call89733978. That is 89733978. And see how a real personal approach can. help you escape the private loan. nightmare. Because let's be honest, living with crippling debt until you're. 90 is not the retirement plan you. dreamed of. >> But yeah, I just want to make sure that. like going forward like I'm not pouring. money into something cuz even if it's. $500, mistake. What was the mistake that. you're saying? >> I don't know. Dropping out of school. The multiple times that I. >> dropped out did.

>> But I stayed focused. I focused up. afterwards. >> I know. I was like taking bong rips and. like partying until I was like 30 and. then it's like, oh well now. >> it's interesting. You look like HOA. lesbian, head of HOA, but you uh just. partied, smoked, dropped out, didn't. take school seriously. So you seem like. the furthest left. ever, but then you have positions from. the right as well. You are you are hard.

to place into it. >> All I You can't. I'm all over the place. I'm an ex-hippie. I used to have like. dreads and hairy armpits. I've been to. like 10 rainbow gatherings. Like I was. the most leftleaning person you probably. ever meet. >> What changed? 2016 came and everyone was like, "If you. don't hate Trump, you're like the. devil." And I'm like, "I don't I don't. care about Trump. He's probably like the. who cares." Like, I don't even know. really. A lot of people care about. politics. >> I don't even know what his policies are.

So, I'm not just I'm not going to, but. all the people who are talking Yeah. blind hate blind hate. >> Blind hate stupid. >> And I wouldn't buy into the blind hate. And so, it's like, oh my gosh. And they. like started slowly like separating. Well, there was other. It was just like, "Hey, we're married and we have a kid.". "Oh, you can't come to the bar?" "No, dude. We have a newborn. Like, what do. you mean I can't go to the bar?" And. like, "Oh, we have a house show this. weekend." Great. We won't be there. Like, we're adults now. Um and so then.

like Black Lives Matter started. happening and everything was going off. the rail. >> I know you don't like those. >> No. >> No. Okay. Okay. >> I'm sorry. That's the whole thing is. and who is black also thinks. it's bull. Um, and. >> we went way too woke. I think everyone. agrees on that. We've come back to a. normal place. Absolutely. >> So, but in the middle of when everyone. was going work woke and if you weren't. woke, you were basically like some mean. terrible every hate word person. Well,

no, no one takes those people seriously. anymore. >> I was never buying into Okay, but it's. it took 10 years. >> Five 2020 to. >> Okay. It it was happening before 2020. >> Well, yeah, sure. But like the ultra. like just like kill someone if they. don't fully. >> I watched it happening and right and so. the whole time I've been like no and. then of course co and it's like all the. people I was friends with were like punk. rockers with like spikes on their jacket. and all of that anti-establishment blah. blah blah blah blah and then it's like.

the government. >> who watch who do I watch. >> are you an Alex Jones girly Nick. Fuentes? Oh, Alex Jones. is like Uncle Alex Jones. We all love. him. We've known him forever. You can. only take half of what he says. I mean, you know, >> like you started his son, went more. destiny. >> Oh, Destiny god now. >> Then you got to Charlie. >> Please don't insult me. >> You know, I know your trajectory. Your. trajectory. And now you've gone. >> Charlie's like Nick Fentes.

>> Well, you know, >> you did the full spectrum. >> Nick Fuentes. stuck with me in the it's. better here. >> A Nick Fuentes guy, but um part of his. >> I don't think Nick Fuentes would be a. [laughter] a fan of Fox. >> Actually, I don't really know what he. >> No, he's not. He hates all of it. basically. >> Okay. Actually, because I really don't. know, >> which which is more where I have always. stood is like but anyways, you have all. these people who are like the man and. then it's like the man is telling you to.

do XYZ and they're like okay. It's like. I thought you guys were like anti-. politics and anti- the co and the punks. like just doing whatever the government. said. It just seemed very hypocritical. Well, it got very politicized. Well, right. But doing but they took the. side of the like basically the people. who are progovern which never made. So. anyways, it was this huge falling out. I. don't even remember where we are in the. conversation. >> I don't know. Well, I'm trying to loop.

this back to money, but also you're very. >> Watching you go down rabbit holes is. very enjoyable. >> Oh, good. [laughter]. >> So, >> all right. Well, >> I think. >> so. Oh, yeah. >> You should just start your own show. >> Maybe that's my new career. Um, however, I'm not delusional thinking like I'm. going to be a YouTuber and next year. I'll have like $70,000. It's like, okay, >> I don't even know what to say your. income is. We still don't know. Like we. >> I have a note that you heavily rely on.

your mother. Isn't that kind of what. you've like. >> if you've gone far to the right? Isn't. that kind of anti. >> Yes. >> far to the right? >> Yes. We don't like it. And I don't like. it. We would like to grow to be. completely independent. >> You're in your 40s. Like, >> oh yeah. >> What the is taking so long? >> Oh, well, you know, >> don't. >> pot is not a good idea. Children, um, do. not. >> What do you mean? Are you still blazing. it up endlessly? >> No, I Well, I've only been sober for. probably.

two or three years to be honest. Yeah. >> So, >> listen, more negative studies have come. out against it these past few years, but. not to the extent you're trying you're. making it sound like. >> um. >> it's not like that. It's fine if you. want to like be a responsible person and. like smoke a joint on the weekend and. have a nice time, but like if you're. like 15 and you're smoking every day and. then you go into college and think. you're going to be successful and you're. just going to like smoke a pound of a. week and do whatever. And by the way,

the now is nuts. You might as well be. tripping acid. It's not like. >> THC has massively. >> crazy. So we now is like I don't even. know. Um, so thinking you're going to be. a functioning human being because I'm I. have to smoke for my depression like. five times a day. Like it's not gonna. happen, people. >> Okay. [laughter]. I would love to be able to put down an. income number. Uh, >> it's. >> What do I say? 3,000 a month? >> No, I would say closer to 1,500.

Yeah, unless I can. >> How can you survive off of that with two. children? uh credit cards is going to. get me to February and then we're going. to get the tax return which will get me. to May when I can start and also in and. also in February I can start group. lessons again at the indoor pool and. that's going to get me a little bit of. income too and I'm willing to find. another job. I tried to apply at Tcoa. I. thought this was going to be great. I. have Tcoa. It's the boot store. >> Oh, TOA. >> TOVA. >> Tooa. They've been a sponsor. Come back.

Uh, oh, I Oh, I saw that. I saw that one. when you sponsor. I thought um. I love him, too. And my friend works. there and she's a manager and I thought. it was an. >> No, cuz I'm sorry. We just went with. someone who had experience. I'm like, I. will work harder than three Gen Z's that. you hire if you give me the job. And. they're like, >> can you bend over? >> Hey yo, >> that's funny. I'm a little stiff, but yeah, I I do.

I've done personal organizing. I've um. for like businesses and stuff. >> Yeah, you organize people by race as. you're walking down the street. >> Oh my god. >> To see if you're going to cross or not. >> For your safety, maybe you should. >> Dude, if I see some shady black dude on. the other side of the street, I'm not. going to run his way. I'm not. Especially if you're in Chicago. We were talking about that earlier. Kind. of. >> Who? Well, we were just talking about. Chicago and. >> who? I wasn't here.

>> No, you weren't. You're a cup of coffee. that took like 40 minutes to make. >> I know. It was annoying. >> Okay, that was crazy. Did you buy that. coffee? You're okay. >> Yes, I did. Cuz cuz everyone drank the. coffee here. >> I made my coffee at home this morning. So good. I've never been so lost in a. conversation. Okay, I'll say 1 1500 and. then in the peak of the summer, what's. your monthly? >> Um, if I can range it to. >> 6,000. Okay. 30 minutes to get that to. to get the income.

>> Wow. You've been a before. >> That was only for a month and that was. when I was like 19. >> Oh yeah. I don't know if you can get. back into that. Actually, I mean, there's going to be some people. This is. going to be a very selective group of. clubs and people. >> Um, dude, there I did. First of all, I. didn't make any money because I'm not a. scammer. You got to be a scammer to be. making money at that. And second of all, it's just um I was. >> Have you seen me? I'm awkward. I'm not. like a graceful pretty like. >> you don't seem awkward. You seem very. confident in everything.

>> I'm like a giraffe trying to run. physically is what I'm talking about. >> Okay. Now listen, I was about to ask for. your living situation cuz I want to know. how you're paying rent here, but I just. also looked at a direct quote cuz I. guess you just had so many to Colton. that he's just feeding them all to me. that uh I live in the ghetto and I hate. all the Mexicans that work on my car. there. >> Good night. Okay. Those. >> You said it, not me. [laughter] I don't. know. >> Those Mexicans do not work on my car. And there are it it's a it's a Hispanic.

>> San Antonio, >> right? It's a Hispanic neighborhood. That's fine. >> It's a Hispanic city, >> right? That's fine. Fine with it. But. there are levels of Mexican. >> Please take us down those levels. >> There's tons of like Hispanic families. that are just like nice Hispanic. families. They've been there forever. It's whatever that it's fine. And it's. everyone's different culture, right? Just like how white people like I'm. German, so I have like a culture that. goes along with that. I'm sure you are. Now, there's like the car shop that's.

next door to us that's like definitely. half illegals where they sell drugs out. of there. They have people living out of. there. They have grown men going behind. the building and taking a piss in front. of my living room window where my kids. can see. That is. >> Okay, pause. I'll be right back. A few moments later, >> file in and line up behind me, lads. >> With me, let's do it. >> With me are all. >> see nice Hispanic American people.

>> Yep. Get them all in. >> I'm going to file on in. >> I've been a minority in San Antonio for. my entire life. >> I I'm very sorry to hear that. I would. like you to rank from the worst Mexican. to the best Mexican. You could ask a few. questions, feel free, and then you can. you can rank from the your least. favorite to your favorite. Want to know. a dirty little secret? And no, I'm not. starting an only. You're not broke. because you suck with money. You just.

can't see where it's going. [music] If. your bank account is empty at the end of. every month, that is not bad luck. That. is bad tracking. And it's exactly why I. use Dollar. It shows you exactly where. your money is going every single [music]. month. spending, subscriptions, and. savings all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollar. today, you'll get to try for free, plus. three months for just $9.99. So, you can. finally take control and see what your. money's been doing behind your back. Click below to get started. Just.

personal. Oh, well. >> Oh, you type in Mexican. Feel free to. ask some questions. >> Okay. From all of you, I want to know, are your parents still married? >> Yes. >> Raise your hands if yes. >> Oh, two of them. No. Oh, >> what does deceased mean? >> Oh, [laughter]. >> I'm sorry. >> Married and. >> Yes. Yes. >> So, only one of y'all is divorce. Okay. Boom. He's loser. >> So, Mexican down there. >> Down here. Down here. [laughter] Down. here. >> Very good. Keep go ahead. Keep going. >> Now, of the ones left, do y'all all.

speak Spanish? >> Raise your hand if you speak Spanish. fluently. >> No, I'm one of the good ones. >> No, that means you're a bad one. You're. bad on your cult. Don't speak both. Is. he in front of in front of or better. than Christian? >> No. No. You're the worst cuz they're. divorced then. >> This is my weird criteria. >> And we're still ranking from the best. >> Not speak Spanish. That's bad. >> Ask another question. >> I thought you were going to be a fan of. that if we're being honest. >> Oh, wait. Uh,

who can change a tire? Can you change a. tire? >> Bad Mexican. >> Bad Mexican. >> You can't. You don't even drive a. license. >> I hitchhike. >> What were your grades in high school? >> I could. >> What were your grades in high school? >> Great. >> Okay. What's your job? >> I'm an editor. >> What's your job? >> I'm his boss. >> Well, you get to be above him, I guess. And so you just be the best. >> He cheated on his girlfriend. >> I did not. [gasps]. >> That was high school. >> We'll let that slide. >> But it was for his wife.

>> My wife. >> Oh, you're married. >> Yeah. But once again, >> Yeah. He's the best one. >> But he's reproducing. >> He's the best one. You want them. reproducing? >> Yeah. If you're a nice. >> Yes. Eagle. >> See, he gets it. >> Look at him. Look how nice he looks. >> A Thank you. >> What do you mean by that? >> He does. He's He's clean shaven. Love. the black. San Antonio black. I. represent. >> And then before they leave, who's the. scariest. >> just by looks? [laughter]. >> That's You're making me do that.

>> You don't have to do anything you don't. want to do. I was going down your path. >> No, I'm not I'm not doing that. >> Okay. Okay, >> thank you. >> A thank [laughter] you. Gracias. >> Gracias. >> I love that. [laughter]. >> Gracias. >> Okay, so this house that you live in. with all the scary Mexicans around you, >> scary Mexicans being. >> How are you affording this house? >> Okay. Um,

in our neighborhood, we hear gunshots. like at least uh once every two months. Are you afraid the rent? >> Okay. It is my parents' PROPERTY. [laughter]. >> that they actually bought for me cuz. they got tired of paying the rent on my. apartments. and they got it for super cheap. It was. $60,000 house in 2006 and it had a brand. new roof, brand new windows, leveled. >> What the are you doing? They bought it.

back then cuz they were afraid of. paying. They hated paying for your. house. stepdad thought it would be a. good investment and then he was like by. the way if can't do her life which. happens all the time she could live. there and my mom was like no okay fine. >> this doesn't make any sense. >> so the house is paid off so I live there. >> stereotypically this is not a. one-sizefits-all but stereotypically. personal responsibility tends to lean. more right than it does left obviously. there's people on the left that believe. in it there's people on the right that. don't whatever okay but even still. stereotypically that is where it. typically lands if YOU'RE ALL THE WAY. over here on my right.

>> I know. >> this makes no sense Is your parents. buying a house cuz they're I'm sick of. being. >> this was a long time ago. This was in. 2006 or 7 and now we're in 2025. So I've. got to I'm trying to catch up. I'm. trying to catch myself up to where I. want to be. >> But you're getting a handout. >> I know. >> a handout. >> It's an well in jail and I can't pay. rent. But even before he was in jail, we. were kind of not paying rent because he. was like I don't know. He had mental. health stuff. >> So what are you supposed to pay to your. parents? Uh, it's supposed to be 800 a.

month. >> I don't know how you do that on 15. >> We're keeping food and utilities. Okay. And they're okay with it. >> Yeah, cuz the house is paid off. There's. no mortgage. >> But still, they're okay with. >> Yes. But it's like I'm not okay with it. I'm not okay with it. >> Okay. Now, you say you're applying to a. lot of jobs, but I hire. >> Not really. To be real with you, I. applied [laughter]. I Okay. Well, I'm obviously like a. person who's willing to work and I'm. like enough put together and I've had.

enough jobs where it's like, bro, [gasps]. I need something that's like decent. Like, I need to make probably at least. 15 an hour, which I think is reasonable. And I I don't know. I I need I have. skills. I have skills. >> Why' you Why'd you try to be a stripper? Why'd you choose that one? That isn't. That's not a skill building thing. >> That was such a long time ago. >> But why did you choose it? Well, because. my friend's. boyfriend's sis,

>> I'm told it's because of a kink. >> Some No, some freaking. >> Colton says it's because. >> someone I was staying with was friends. with a stripper. And she's like, "You. could come to work with me. It'd be so. easy." And I was like, "I don't know. I. have like hairy armpits." And she's. like, "No, guys, go for that." And so I. was like the little dreddy girl with. like armpit hair. It didn't work out, obviously. Good. It didn't work out. >> Wanted me to ask about your kink because. this is after all a financial. >> No, that was a misunderstanding and I do. not have a kink.

>> I was so truthful on the phone. Don't. even. >> I think what I'm saying is that it's. >> he was saying that men there would have. the king. So I went and that's what I. was and so then I tried to go to. >> but the strip club owner said that you. were too nasty. >> basically. Yeah. [laughter]. Do you have a picture of you back then. that we can put on screen? Can I see it? >> I don't have it, but like. >> really like anywhere. You don't have a. picture or save on your phone? >> I do, but like I can I like email it to.

I'll email it to you today. >> Of course. >> I'll send it. You'll be like, "What the. >> Yeah, let's see it. We'll put it on. screen.". >> Cute little dreddy girl. Flowers and. beads and my hair and Yeah. Anyway, >> sure. >> Skinnier. >> This makes you also moved to Mexico when. you were younger. This is such a I keep. wanting to get into the finances, but. this is insane. And you hate them. And. it's just like But you live there. It's. I'm so confused. >> I only hate the dirty ones.

[laughter]. >> And what percentage is that? >> Well, I mean, I don't know, honestly. >> Okay. It's not the majority. It's. definitely the minority. No, we we went. to Mexico. Obviously, I don't hate. Mexicans, by the I love Mexican food. By. the way, I am friends with Mexicans. By. the way, my ex was a Mexican. >> You just pulled the I have a Mexican. friend. >> Well, I hate black people, but my. husband's black. [laughter].

>> I'm just kidding. I really don't. Please. Oh my gosh. >> I'm not racist. I go to Taco Tuesday. >> Oh my gosh. If one of my clients sees. this, I like. >> Oh my gosh. [sighs]. I don't. >> Your clients have downs? I don't. >> I don't I don't hate black people. >> I do not. >> Not all of us have to say that in our. daily lives. >> What's your finance score? 0 to 10. >> Two. Okay. If you want your hammer. financial score, go to caleb.com. See.

where you stand in the world of. finances, where you need to improve, and. where you're already doing well, and. what you need to do to fix it. And. what's your racist score? 0 to 10. Zero. being not race at all. 10 being hyper. racist. >> 10 is like you want the racist to be. segregated again and living in separate. towns. >> Executed. Yeah. >> Oh, so nine would nine or eight would be. below that. Um Oh, I'm only like a three. maybe. >> If you want your racist score, go to. caleb.com/racist.

See where you stand in the world of. racism. If you're not racist enough or. you're a little too racist, find out. >> I took the lesbian test. I'm like 36%. lesbian from your website. I know. >> Yeah. Oh, yeah. Moving to Mexico. Yeah. Our friends went down there. So, we. lived in Chiapas, which is like the. southernmost point in Mexico, like right. before Guatemala. >> Okay. >> I can't hate them that much. >> Let me get into these numbers. For sake, you got two children. >> Yes. And they are very well behaved.

I know some of the pe well I know some. of the people on this show are like I. can't tell my kids and I buy that and no. I'm like baby we don't have money for. that right now because mommy. >> I'm into Okay well I'm glad well okay do. you say it like that? >> No nicer and more child appropriate. >> What do you consider child appropriate? Oh. >> now remember I work with kids so I know. child appropriate but a gentle parenting. person or a.

>> God know. >> Okay. God, no. Like basically, now. here's something. Good black people, they will they will get on their kids. The crazy black people like at you will. see. >> like where [laughter]. >> like at Walmart, you will see kids going. up and down the aisles and the parents. like whatever, whatever. And uh Fox is. like mortified. And I am too because like control your. freaking kids, dude. Well, I'm sorry. You go to the white side of town. You do. not see that.

>> [laughter]. >> You see them screaming in the carts. begging for toys, but you don't see them. running up and down the aisles. [laughter]. >> Well, I have. >> You'll be very happy to know food stamps. are currently on hold due to the. government shutdown. So, if you go to. Walmart, I think you'll be happy. >> And who do you see on TikTok and all of. that who are like, they're taking my. food stamps and guess what? I'm going to. go in there and I'm going to steal from. the store. Blah blah. I don't know. You. tell me. Who do you see? I don't know.

>> I'm not looking. >> I don't know. I don't know. >> There's a larger percentage of people. who are acting that way and a smaller. percentage of people who are still. acting that way. You can be a hard R. dependent upon your race. Not dependent. upon your race. Yeah, there's like white. people who are like acting like hard R. >> That's a very Nick Fuentes concept, by. the way. It's true, dude. I would have. heard anyone say this. Seriously, I'm.

from the depths of the internet. at 41. >> Yeah. >> Yeah. I mean, that's I hope I still am, I guess. Uh but I guess I don't go that. that uh deep. I mean, I filmed with. someone yesterday who is racist to uh or. she hated quote Arabians. How do you. feel about the Arabians was her words? Well, in those countries, they have. higher percentages of of rape and all of. the countries that have allowed in uh.

those immigrations, all of a sudden. they're like rapes and stabbing. statistics are like skyrocketing, that's just that's facts. That's not my. opinion. That's just numbers. So, anyone who says that like the we should. love Islam and the Middle Have you been. to the Middle East, women don't drive? I. mean, I haven't either, but it's like. women don't drive. Women aren't allowed. to read there. That's okay. I don't know. if I I I don't. >> That's okay. >> No, >> no. Obviously, they have not caught up.

to the. >> So many people who were like, "Love. Islam and welcome them in and. everything." It's like once again, if. you're going to go through the legal. system, it's part of the law. Anyone is. allowed to be here. But, um, in these. countries where they've just opened the. floodgates for anyone to come, it it. hasn't [snorts] gone good for them. So, I'm not racist towards anyone. Now, if. you're acting like a hard R, I don't. care what race you are, you're acting. like a hard R. This has to make sense, dude. Don't act.

like it doesn't. All right, listen here, financial audit. I've curated the exact. resources and tools I personally use or. would use if I was in certain. situations. So, take advantage of these. offers in the resources section in the. description below. The first one, I've. moved my investments to Weeble. Do the. same and transfer to my investing app of. choice and you get cash bonuses of $200. all the way up to $30,000 depending on. initial funding amount and up to 8.1%.

APY on your money and up to 3.5 matches. for your IRA. And then number two, a. great new checking account that I've. switched over from SoFi and it's called. Chime. Get that $550 bonus when you sign. up with direct deposit and get almost 4%. on your money just sitting there. And. then three, automate your investing with. Acorns. Usually sign up incentives are. only five bucks, but you get $20 with my. link. Number four, you can increase your. income and boost your resume with a.

course career certification. Five, if. T-Mobile is good in your area, switch to. Helium. Get a literal 0 a month phone. plan for the same exact service. But. most importantly, go get your free. Hammer financial score and see where you. stand in the world of finances. Take the. assessment at caleophammer.com. [clears throat] You will not regret any. of these. Change your life today. There. is a nuanced position here where like. the Europe many countries in the. European Union and the UK have done. uncontrolled migration putting them in.

council states and it's it's been very. hard and there's not a lot of. assimilation. That is very true. But. this country does at least pretty well. on assimilation. I agree they do. I. agree they do. >> No, the UK. >> Well, some people still want to move. there. Not me. >> Well, it's because it's still better. than a lot of regions, but it's. >> very I'm very compared to here. >> I'm very comfy in Texas with my. Mexicans. I'll take it any day. >> It's not the hard RS. >> Got you, [laughter].

>> Well, >> okay. USAA. What's going on with this USAA card? Oh, okay. That one was actually started as a. credit transfer, a balance transfer from. Chase uh. maybe last year. >> cuz I had racked up the Chase. Okay, this all began because of Fox and like.

job stuff and mental health stuff. And. so he's. >> that's another thing we need help on. >> Dude, you just got off food stamps a. couple years ago and you're talking. you're talking about people who are on. food stamps. >> because people are like I'm on food. stamps and I'm like dude don't let. anyone know what a embarrassment. What. an embarrassment that I am on it. >> Okay, I can I can kind I I wouldn't. necessarily take it as an embarrassment. of being on a social. >> Okay, I would. >> Well, hold on. Being on a social safety.

is there to help. Now, I would be. embarrassed as a person if I was. actively trying to not go get more hours. cuz I would be above an income threshold. that would qualify for a benefit. I. think if people are actively trying to. stay in a benefit, I would be. embarrassed. But if you go through a. hard time and you and you get put on a. system that you paid into, that. inherently is not an embarrassment. >> But it's like, how long is the hard. time? And I'm not going to. >> depends on the person and economic. condition. >> Well, right. And so it's like, >> but don't get me wrong, I I vibe with. you on the fact that I've had people on.

this show that literally will not go get. a job because then they get off benefits. like food stamps. That's disgusting. That's horrible. And obviously we're. enabling that. But to say if you fell on. a hard time and you paid into a system. and got supported for them, you. shouldn't be embarrassed. >> What's happening is like some people. fall on a hard time and it's like, oh. well, you make too much. >> and then they like that's happened to. someone I know and so they can't get. assistance and they really should have. it. And then there's other people where. it's like h ah they're kind of on the. fence but because they fudge their. numbers a little bit they. >> do gentled parented.

>> probably. >> honestly I'll be honest as someone who's. not a parent and uh you know it won't be. for a little bit I specifically don't. even know what that literally entails on. a literal level but I hear that you hate. gentle parenting. So. >> I do I do it means it means that you. create a little narcissist. It's like oh. you're upset. Tell me about that. Okay. every Yes. Okay. I'm sorry. I have to. go. I have to go because the. four-year-old is pulling me away. That's. what that means. >> Ah, you just.

[laughter]. >> right. >> Um, excuse me. You're not the adult and. I'm speaking to an adult right now. You. need to wait patiently. >> Okay. Okay. I can vibe with that. >> What's the normal minimum payment on. this? >> Normal payment is like. I don't even know because. >> that's just 216 on it. Let's go. I I don't know because 150. >> because I've been paying off so much. So. this summer I. >> kind of kind of but you're still purch. No, you're still purchasing on this.

though. So it's not. >> pest control, >> huh? >> Pest control. >> Uh well, let's see. I. >> Yeah, look be on here. >> Yeah, I mean that's a lot of pest. control. >> Well, they come every 3 weeks for the. mosquito and we have road. >> Hey, why was this three times in one. week then? A couple weeks. >> Was it charged all those times? >> Yeah. 53 108 54. That's a problem. >> Yeah, >> I'll be calling them as soon as I am. done filming because I'm not okay with. that. >> Also, I think you've had a late fee this.

year, I believe. >> Yeah, probably. >> When? Why? >> Don't know. Don't know. >> Okay. >> I don't know. >> How do we prevent that in the future? >> Well, I have it in my phone the bills. and all of the dates that they're due. and I make sure. But because and I was. keeping up with that, but then because. in the summer I was paying everything. Anytime I had any extra money, like I'd. put a,000. I'd put a,000. I'd put a. 1,000. So there was no minimum. >> What are we doing going into this where. you have just. >> Well, now it's just now starting cuz. like even last week I paid like 500 off.

on one of the cards with like all the. money that I'm saving. >> Yeah. But if automatic hundreds and. hundreds of dollars of bills are going. on it, it does that offsets it. Anyway, >> I'm just saying I there might have been. a late fee this month because I'm used. to there not being a minimum monthly. payment for the past like four or five. months. >> Yeah. Well, the deferred it's not. deferred interest, but your promotional. balance for the transfer that ends in. about 3 months. >> I know. Which is why I'm trying to. quickly pay off the Chase card because. that's where that you have the higher.

interest. So, USAA is kind of like on. hold because it's the lowest interest. rate and one of the lower payments. I. don't even think it's $150. I think it's. like under $80. >> No. Yeah, the interest is relatively low. because. >> for now. >> Well, yeah, exactly. Cuz the balance. subject to the interest rate is low, but. you have had a late fee this year, which. was immediately doubling kind of what. was added to this. >> But when was the late. >> you can't see that on this kind of. statement, but it was this year so far. I do know that. >> I believe it. I believe it. >> It's a little concerning if you're going.

and shopping for groceries. Walmart is. one of the cheaper places to go. If. that's the place you hate going to and. you're afraid to go, >> isn't that bad? >> It's kind of gross there. I only go if I. have to. Really bad. I go to You kind of. have to, >> dude. No. Why not HB? Are you kidding. me? Hill Country Fair? Come on. >> HB is nice, but isn't Walmart brand. still the cheapest brand? >> Uh, not necessarily. I don't think so. >> No, >> I think it's comparable to Hill Country. Fair. >> Okay. Yeah, HB is pretty good. If we if. we can do HV, we can do. >> not talk me out of HB.

>> No, I wouldn't. We do our 300 a person. uh in that, you know, scales grocery. budget meal plan based on. >> HB. Okay. Okay. Well, then there you. have it. No, don't try to talk me into. Walmart. Gross. >> Well, I don't Okay. What's wrong with. >> Dude, you know, some of them are a. little gross. >> Gross. Uh I mean, I be I'll be honest. I go to. HB cuz one is closer and two, it's just. like I prefer HB. So, I don't. >> HB don't go to Walmart, but. >> Okay. So, I live on I live on this side.

of town where if you walk into like a. Fiesta Mart, cuz I have shopped there. before cuz they have great meat prices, you're going to get looks like, why the. are you in here, white girl? That's just. how it's been. And they also. >> Do you ever get those looks at Fiesta. Mart? >> Um, I have [clears throat]. >> Oh, she has. >> No, but I went in to buy like fajita mix. one time like like the meat and I. brought it to my friend's house and they. were like, "Oh, you got brain deadad.". And I was like, "What do you mean?" I. told them we have like seven people here. and they're like that's not for like 20.

people. Like they thought you were dumb. I was dumb. >> Oh. >> So, >> okay. Okay. >> Same with there's a meat market down the. street from my house. Calabra Meat. Market number I don't know. And I love. to go there cuz I want I they have great. product and I want to support them, but. they're like to me. So, it's not just. me. >> Yeah. But did you call them. >> a slur? No. Absolutely not. And I walk in like kind of like humbly. like. >> But if you bring Fox with you, >> I don't bring Fox with me. You can't You.

can't tame him. [gasps]. >> What does he do in Fiesta, Mark? >> Nothing. He's just He's He's not. He says he should just be kept inside. He's not meant for society. [laughter]. That's his words, not mine. >> What does that mean? I don't know. If. you have someone who's like an avid Nick. Fuentes watcher, they they probably. Yeah, they probably should be like kept. inside. >> They're like highly autistic, Junior Beyond. Like he's.

[sighs and snorts]. [clears throat] a lot. >> We have wide We have wide variety of I I. let anyone work here with any political. beliefs. I have Aaron on, you know, the. on the left and I think Brandon Zentes. watcher. Whoop. >> We let he's I haven't felt unsafe around. him. >> Okay. Well, there you have it. To be. real, I get um I get pissed off at some. of the things Nick says. I think he goes. too far with I've never seen it. I've. honestly It seems like it's just for.

clickbait, but I mean, you have like, you know, 20-year-olds that are like. basically sucking him off every single. word he says. >> Nick, if you want a debater and you. watch Financial Audit, uh feel free. >> He's a he's a very smart person, honestly. I mean, dude, to have that. much of a political following and when. he was like 18 or 17, that's freaking. nuts. Anyways, >> I honestly I can't even speak on him. I've literally never watched him. >> You should just so you kind of know the. hype. What? It's part of your internet. Um, >> well, he had a Tucker Carlson interview. that's going viral. I feel like I want.

to watch that at least for the sake of. comedy. >> That's what I'm saying, >> right? Cuz it is like a lot of rage, right? >> Yes. >> $2,973. on this Amazon card. Yeah, but that was. at $6,000 in May. >> Okay. But now you're not going to bring. in any money. >> Well, now it's just gonna be. >> So, what is it going to be? It's gonna. be Okay, so we make So, credit card debt. is here. It's summertime. So, we're. going to start paying it down balances. and time scale pays it down. Uh-oh, it's. winter time now. It starts going up. again. We're going to be in this.

repeated cycle of never actually being. able to pay them off because we Yeah, but we rack them up when cold. We pay. them because. always. >> Okay. Well, now he won't be able to. Now. Fox won't be able to. I mean, he'll get. a job, but it's going to be like not. great. His career opportunities for a. while at least will not be. He's going. to be dropping the fries. >> I don't think so. He'll stick. >> But we're in a tighter time market right. now. >> I know, but he can always get job and. electrical. But that's the thing. It's. likeing up his mental health because he. absolutely hates it. He's shouldered.

through it for 5 years. And like that's. part of why he's having these like. mental breakdowns. And I don't want you. to think like, "Oh, poor you. You don't. want to work." It's like, "No." Like, he. wants to work. He does work. He's a hard. worker. You can only go so far in a job. if it's like, it's one thing to be like, "Eh, it's not my favorite." It's another. thing to be like, "This is crushing me. and killing me, and I hate this more. than anything. Makes me want to like. every day.". >> Okay. Uh, >> and that's where he's at with it. But. he'll still go back to it.

>> Can you turn on Brandon's mic real. quick? Uh, Brandon. Uh, Brandon, as a. Fenta's uh, watcher, is Nick going to be. happy or upset that a black man is. watching him? >> He's only half black. >> Uh, I don't think he'll care. >> Oh, okay. >> No, I don't think Okay. No, >> he's not a racist, >> but Foxes. >> Okay, thank you. Very good. >> He's made friends with this like white. nationalist guy in prison. >> Oh, >> but they can't accept him because, you. know, he's black.

>> I know. This This can't be. [music] I'm 102%. African with a 2% margin of error. >> That guy knows. Whoever watches Nick. knows what I'm saying. >> Brandon. >> Brandon. We'll talk Brandon. >> We'll talk in the post show. >> Okay. >> We have a lot to talk about in the post. show cuz oh my goodness. >> Okay. The [clears throat] Amazon card. 2000. Okay. Yeah, we're winning over the. balance. Minimum payment $109. 13 years. to pay this one off. If you don't. purchase, you only make minimums, but.

you're purchasing and $80 of interest is. acrewing. You've had multiple late fees. this year so far. Almost $1,000 in. interest. Pull up your Amazon for me and. start a screen recording if you could. >> Oh boy. I think I can justify most of. these purchases. >> Let's find out. Are we going to see a. white hooded outfit in there? We don't. know, >> bro. >> I don't know. [laughter]. Just so we're clear, his dad was black. and we have a we had a great. relationship.

His dad is what? He's passed away. So. it's. >> Did he know you had a great. relationship? >> Yes. He loved me more than Fox. [snorts]. Maybe not. Issue. >> Did you get on Wi-Fi? >> I'm on the Wi-Fi. It's on. This is not me. I know that uh. there's two different like $45 charges. Those were [snorts]. comforters. >> Why don't you connect to 5G? I bet you. like that. >> I'm on 5G. >> Are you scared?

>> A little bit. [laughter] If you want to. go into all of that. Yeah, sure. >> I don't know. I just assumed. immediately. >> Um. >> I never looking at that kind of stuff. I. don't even know what people do. >> Well, it's supposedly very bad for your. health and it's like. >> What's good for my health is looking at. your Amazon. >> Uh well, the Wi-Fi is on and I cannot. get service in your thing. I'm turning. the Wi-Fi off. There's nothing. Look, I'm not. >> re uh close and reopen. >> Okay. So, two of them were purchases for. um comforters for my kids, down.

comforters because I knew the winter was. coming and I don't want to pay to I. don't want to pay to have the heat on. all night cuz we just use like window. units and like space heaters and I knew. that would be like super expensive to do. that and it would be cheaper to just buy. like nice comforters for them. So, that's one of the purchases. Any of your. kids have downs? No, they are both um. they are not neurode divergent. They are. >> typical. >> I work with special needs children and I.

really enjoy it. I enjoy that aspect of. it. Like if it was just. special needs and it was and I'll still. continue to do it. Like I will. It's. just I can't do. >> You're not on Wi-Fi. >> Cuz I turned it off cuz it wasn't. working. >> Turn it back on. >> Oh god. [groaning]. So, we can say all the words, but we. throw in a little and all of a sudden. it's too far. >> Well, I'm not going to say that to them, but there are some people who are kind.

people who are smarter than the normal. people. Wi-Fi is on and it's in there. I. don't know. >> Yeah, exactly. >> And all of a sudden now the moment I use. it, it's good and going. >> Good. Then you have the magic touch. Yeah, cuz I followed the in. instructions. [clears throat]. >> Monster natural deodorant. Still on that. hippie. >> That is for my child and it contains no. aluminum or chemicals. She is starting. to get stinky. >> Natural. >> It's deodorant. It doesn't have.

phthalates or estrogen disruptors or. whatever, [clears throat]. >> right? And she's stinky because of it. >> It stinks. No, now she's not cuz she has. it. >> Oh. Oh, okay. Good. >> We had to get that. >> uh talic free setting powder. That was. for Halloween makeup. >> Okay. Lots more makeup stuff. >> Lots more. Three things. >> Black face paint. >> Oh my goodness. >> We're doing black face. [gasps]. >> Oh, >> on Halloween tomorrow. >> They are skeletons. They are They are. both skeletons. >> Costumes. Costumes. Costumes. Speakers.

But those were refunded. Lego said that. was uh back. >> I never got that. I never got that. That. was for her. She wanted them. >> Yeah. Yeah. Yeah. Yeah. Yeah. Uh Yep. Lots of different cables, comforters, weekly planner, brackets, floating. brackets, bra extenders. >> I did get a bra extender [laughter] cuz. I'm getting fat. >> Oh, well, don't do that. >> Need a little extra. >> Swim more. Lots of blankets as you said. Lots of sports athleisure.

>> T-ball, >> dishwasher stuff. >> Yeah. >> Bif focal reading sunglasses. Didn't. >> that was for my mother and she paid me. for those. >> How old's your mom? >> Uh 73. and your dad. >> 78. >> What happens when they pass away? You'll. just live here rent free, pay the. property taxes, utilities. >> I'm the I'm the only I am the only um. benefactor. So, whatever they have will. come to me. And I'm actually quite. nervous because I don't want to off. everything that they've worked their. entire lives for. Well, at this rate,

you will be multivitamins, a watch, reptile bull, uh, heat lamp, and yeah, if we can't afford to pay their own. bills for the kids, I don't think we. have snake. Oo, four things are in the. cart. Let's see. The mythic of normal by. someone is trauma, illness, healing, toxic culture. >> These are books on like to send to in. jail, but I get them from a cheaper. website, but they're I just put them. >> on Amazon. >> No, [clears throat] Albert, I think. Ali. press. >> big boys and girls union suit thermal.

underwear. >> That was for the costume. >> That was from the costume, but we ended. up not. >> getting more powder stuff and black face. things. >> No, there is not. >> You are so exaggerating. That's. completely. >> husband's card. Six to seven. What is. six to seven? He has six to seven cards. or. >> what? Oh. Uh, okay. $1,000. and you have no access to it. >> for his Yeah. So, >> but what's happening while he's in. prison then? >> It's just there and I'm not paying it.

>> Okay. So, it'sing his credit. >> Well, I'm planning on when the tax. return comes, I can pay off that flat. It's $1,000. It would be under a year. old and that would be. >> paid off if you don't even know how to. get in it. I think I can from not the. regular desktop but from the laptop but. he has to reive me the password. information and like I I don't I think. it's doable I think it's doable. >> and it's just a thousand I mean just but.

>> now synchry bank care credit what's. going on with this. >> that is only for dentist and vet and I. >> I assume you don't have insurance for. both a vet you just have. >> I have insurance I do have insurance but. um. >> the snake. >> what No pet insurance. >> Oh, >> just insurance for humans. Wait, >> pet insurance is good. I don't know if. I'd get it for a snake. >> Why not? >> Is that all you have? Well, I don't know. if it even offers that. >> Oh boy. Okay, here we go. Um, we have. two chickens. My mom mainly takes care. of that and pays for that. We have a.

snake, a fish, a dog, and three. [laughter] cats. >> Oh, for sake. And you have no pet. insurance for any of them? >> Um, no. >> Well, I don't know how you could afford. it anyway, but I don't know how you. could afford an emergency if it popped. up. >> We can't. we're we would be using a. credit card which is what I want to we. have. This is not okay. It's not okay. It hasn't been okay for the past like 5. years. >> I agree. Yet you've done nothing in the. last 5 years. >> No, I disagree with that. I'm paying I. mean we got someone arrested and uh I'm. paying off these cards.

>> I I swear you're in like a you're in a. moon cycle though. It's like yes, you do. get higher income in the summer. So you. pay them down, not all the way cuz this. these are obviously not paid off as as. we're entering the cold season and the. cold season happens. You cannot live off. of 1,500 with two kids and someone in. prison that you're also trying to. support. But then also all these dogs I. know not always and then it goes back up. and then by the time we have the high. income it just I think you're in a moon. cycle. We used to happily wait for swim. lesson season as we called it to buy our.

Amazon to buy our Amazon lists. This. year we did not do that. This year I. paid off the debt. I paid off all of as. much as I could. I was paying like at. least half of my income toward the debt. to get it gone. >> I hope that works. But now your income's. dried, so I think it's going to balloon. back up. We'll see. >> No, it can't. I need um. >> It can't. What do you mean it can't? >> Is the course careers for real? Because. I. >> the course. Why would I not gift that to. you? >> I don't know. Because I feel like it's. just going to you're I'm going to I'm.

going to put all this time and effort. and do it and then it's not actually. going to like produce a result. >> Oh, you mean the result of it? >> Yes. >> So, it adds to your resume and skill set. heavily. You have to remember in general. right now it is a tight labor market. So, that is regardless of what your. education is. However, having an extra. tool like a certification through course. careers can put you. >> this and you'll be an architectural. drafter and it's like depends on you, your resume, your experience. >> I don't have experience. >> Exactly. And that's where a.

certification can help. But um it also. depends on your interview skills and how. you form your resume. >> Okay. Well, it depends on a lot of that, right? So, >> well, I that's why I'm nervous. It's. like, okay, obviously I'm going to do. it. Obviously, I want to do it. I was. going to pay for it out of pocket to do. it. >> You ever leave a job and think I'll roll. over that 401k later? Because yeah, later never comes. And that is why over. $2.1 trillion, and that is trillion with. a T now sits in forgotten 401k accounts.

Nearly 25% of all 401k dollars are just. chilling, doing nothing. And it's not. slowing down. The number of lost 401ks. has doubled in the last 10 years. We're. at 32 million abandoned accounts. Even. the government's not immune. almost. three million forgotten TSPs from. federal employees. And here's the. problem. Rolling over a 401k is. confusing and annoying. You've got to. track down your old employer, deal with. HR, and probably fax something because. apparently it is still 1998. And that is. why I love Capitalize. They'll literally.

find your old 401k for you, help you. open or connect an IRA, and handle the. entire rollover process from start to. finish. You just click a few buttons, and they take care of the chaos. And. with new private equity options entering. 401ks, you're going to want to get. control of your money before it gets. buried even deeper. So stop donating. your retirement to the void. Head to. high capitaliz.com/financial. audit or click the link below and take. back your money today. Okay, [sighs]. it's okay. Listen, >> I'm willing to work. I just I need a. break from being chlorinated. I'm.

swimming in bleach for life. >> That's fine. Listen, you get that for. free instead of spending hundreds of. dollars and you know with your Okay, when you get a job, uh set up a Chime. account. set up direct deposit and then. you immediately get hundreds of dollars. for free. >> Oh, okay. >> Yeah. So, there you go. So, instead of. paying for the certification, do that. with Chime. Okay. As a special link in. the. >> set up that are that will provide at. least through November, December, January. Like I'm I'm I'm confident that. I will have things there. Like I have.

another cleaning position at the pool. I. mean, >> cleaning at the pool. Okay. I will. clean. You're doing what you do. I will. do what I have to do. And just saying, I. can do swim lessons. Like I have I have. probably three special needs clients. that would take uh twice a week. I have. um probably two or three littles that. would take a few times a week. And I. have I have two adults and I have one. person who um wants adaptive swimming. He has a spinal cord injury. And so I. have that. So I have people that I can.

do the lessons and like you know I will. but I'm like dude I'm sober out on this. >> Yeah. Yeah. I mean, I'm being told. you've been asking clients at Slim. Lessons if you if they if you could. clean their house. >> Yeah. >> I appreciate the hustle because you have. to. The Care Credit's at 92265. >> that gets paid off every year on a. regular basis. That is the one that. >> I hope so. With a $41 minimum payment, >> but uh you're solid with it. And that's. why there was a late fee this month.

>> for Care Credit. >> cuz I'm solid with it. Yes. A late fee. this month. And not only that, but. approximately. a late fee. I'm gonna say six months. this year. I don't know. >> Five to six months this year. >> Don't know. >> Okay. This is the one that you're so. confident in. >> because every year I pay it down to zero. with swim lesson money. The first thing. that gets. >> every year. Listen, here's the thing. Every year can quickly turn into we. can't this year.

>> That's. >> just because it's happened doesn't mean. it's going to happen. >> I know. But I'm like it's like okay I'm. fully confident that at the by next. summer we could be completely out of. debt and like clear possibly have a. little bit of an emergency fund started. but from there where is it going to go. because it's like oh you need to get. retirement you need to get it seems. completely overwhelming to me especially. like even attempting to buy a house it's. like at this point in time. >> why would you why is that even a. question? >> Well because in the next because in the. next 5 years you know my daughter will.

be uh 13. And you have a house, >> twobedroom. She can't share a room with. her brother. And so it's like, do I. build onto the house that I have? >> But you can still rent there. Definitely. don't build onto the house. >> But then if I'm renting, it's going to. be at least 2,000 to get a three-bedroom. like apartment or duplex or whatever. At. that point, wouldn't I just rather have. a mortgage payment? >> Depends. Depends where everything's. looking. At this point, it's still. renting makes more sense. Usually. >> at this point, I feel like I'm going to. be 60 and that's what.

>> Yes, you are on schedule for that. So. that's what we need to fix. The deferred. interest will hit and some in a couple. months and a couple months more for the. other ones. So that that's pretty bad. >> If I can get to February without putting. anything on credit cards, then the tax. return will. >> seen you do that on these statements. >> But cardap. including $634 of purchases on this gap. card. >> That's correct. That is for clothing for. I know what it is. I know what gap is. But that is still going against what you. said you need to not do. No, I they.

needed to have clothes for the winter. >> Well, you still did the thing you said. you need to not do regardless. Like you. can justify anything, but in order to. execute the plan you want to do, you. have to. >> it's a $30 minimum payment. They have to. have clothes. They do. >> I'm not saying they don't, but you said. what am I going to do? >> You specifically said as long as they. don't put cards on pay, you know, you're. correct. >> And then you immediately do. So on. multiple cards we've looked at so far, this takes two years to pay off. By the. way, that'll be paid off by next.

>> Okay. It will. It will. It will. And. then it doesn't. And then we are where. we are today. Come on. Careful. >> Look what you have done until always. paid off. >> and then they're always brought back. off. So that means nothing. >> But what's the problem with that? If. it's only. >> losing interest and fees on Care Credit. So, >> but then what is the like good credit. you're always talking about? Like if. it's. >> good credit is paying off every single. month. >> I do pay the minimum payment every. month. >> Late fee this month. I'VE OFF, [screaming]. >> DUDE. I'VE HAD IT FOR LIKE 10 years. >> Doesn't matter. You're not a credit card.

person. You've had two late fees this. year so far in this one. Two on another. card, six on the last one. Hundreds of. dollars of interest to. >> zero this year. It's been paid to zero. >> It doesn't matter if it goes back up. then and then has late fees and interest. acing. It doesn't matter. >> What's theing point of it? >> What are you talking about? To pay it. off every month and if you can't, don't. have it. It is not a tool to your. advantage. No one can pay off like $600. a month. >> I do. They do. He does. He does. He. does. >> Work for y'all. You need some organizing.

done out there. By the way, I Yes, I. could I could have this place looking. like 10 times. >> We've given up on this place because we. want to move somewhere. >> And I'll be your mover. >> Okay. Yeah, I'll Well, >> I'm serious. I'm great at moving. I've. moved like 13 times in a few years. >> Okay. >> Okay. >> Maybe. I don't know. Well, either way, >> I'm just saying the the problem is that. >> yes, it's multiple gap. >> I need I need solid work. That's because. >> this is also the spending problem.

>> And I got married. When Fox and I got. married, it was supposed to be that, you. know, he was going to be the the bread. winner and I was going to be the. stay-at-home mom. And we did that for a. while until it's like. >> you wanted to be full tread. >> We did want to be full tread. >> Okay. And then I would. >> he couldn't even go outside. >> And then I would [laughter] Well, he. forced himself to. Um he's quite. socialized. It's just like this weird. little mask he puts on, I think. I don't. know. He's really fun. >> Is that the 50% black? Like is that what. you're saying? I don't. >> No, he's just fun to um You would think.

he's a really social great person, but. he like actually has social anxiety and. just stuff. But um anyways, so yeah, we. were supposed to be full trad and then. it was like I started working part-time. and I always kept the summer job cuz it. was just so much income and then slowly. but surely now it's like okay now it's. like we have to have that money and so. I'd rather like kind of slowly back down. those hours and get something that can. be year round for me that is um just. sustainable. I mean I could appreciate.

that but there's also just lots of. issues in here that are not an income. thing. Cuz here's the thing. The Lowe's, I'm not going to put it down as a debt. because it only has 16 bucks on it. Really? You should be able to pay it. off. There you go. But this is. indicative of the problem cuz you had. almost $700. on his. >> and you paid it off, but yet fee and. interest still acred, meaning you did. not manage it correctly. You're not a. credit card person. It was a late fee. You've had about four late fees this. year so far on this card and hundreds in. interest. You do not pay this off. It is. at a 37%. >> interest. And he wasn't.

>> What? Him? Is this his card? >> Yes. It's not on your credit. You're an. authorized user. I. >> don't know. I don't know. I don't know. I don't know. Actually, I don't. >> Okay. We're transparent. I mean, I. >> We're transparent. >> Me and him together. Yes. It's not like. he bought anything in secret. Like, I. knew he was using that and I was like, "Why are we doing this?" He's like, "I. need it for my work cuz he lost all his. tools, blah blah blah drama." Um, and. he's like, "I'll pay it off." And then. he like couldn't. >> Okay. Is this indicative of everything.

that is going on? What the even is that? What did you send me? What is this? No. one's ever sent me some bull. >> That's a Venmo. >> This is Venmo exported as an Excel. sheet. >> That's what they sent me. I'm not some. noob. >> Oh, >> medical. >> Well, there's lots of denes and Well, okay. So, what am I looking at here. specifically? Cuz. >> that's just all medical stuff that was. like partly paid off, but we're like. >> for Fox or you? >> Yes, Fox. >> Okay. Okay. Hey, you own $14,000. >> Yeah. >> Medical. [clears throat].

Well, that will go on collections now. >> I mean, I I can't What am I going to do. about that? I can't even get groceries. >> You can get on a minimum payment and. they can make it income based and yours. is very low. So, it would be super. small, but at least so they don't send. it to collections of credit, especially. if you're talking about getting having. to get another apartment, get another. house. You don't want credit. And we. already know Fox is going to have credit. cuz the Fox card. >> is going to be gone. >> It'll be paid off. It'll be fine. >> How? You can't tell me I have access to. it. >> I'll figure it out. So what the cost so.

much money? >> He got severely sick and he couldn't. work for like 3 months and he they ran. all this test in the emergency room and. it was like it was really up. So cuz we. didn't have insurance at the time. Now. we do have insurance. Um, so yeah, and then that was also from. recently when he was in the jail and. then got staff which turned into MRSA. and then he had to have the um the. emergency surgery. It was from that too.

>> Okay. On here, Ally, I see a payment. due, but I don't see. a balance. I'm assuming this is a car. Oh, here it is. >> This is the car that. >> Oh, a Kia. 2016 Kia. >> Yeah, it's like what? Is this your. primary driver? >> Yes. >> Yep. $5,82425. What is the interest on this? >> A lot. >> What? What is it? >> I don't know. Is it. >> payment is pretty small at 17702? >> I assume the interest is like at 25.

>> When did you get this and why? >> Oh, this is a story. Um, okay. So, uh, Fox had a truck that my parents actually. bought him. >> Oh, good. And then I had a car that my. parents actually bought me. And then um. he crashed his truck and then I got in. an accident with my car and my car was. fixable but his wasn't. And then my. stepdad was like, "No, this car isn't.

safe. You just need to take my other. extra car." So then I was driving his. extra car and then we just had the one. car that we were sharing for like 9. months because we couldn't afford. another car. Uh-huh. >> And then finally we were like, "Dude, we. have to get another car." So, we're. going to buy a car. This is the first. car we ever bought either of us. Oh, I. think uh Fox had bought one other car. We went there and we thought it was. fine. And I read the contract and I was. like, "Yeah, this will be fine." And we. got it. It turned out to be a lemon. We.

had tried to get it fixed through them. through the through the warranty and it. went into a a lawsuit. >> How much do you think it's worth? >> Nothing. >> Okay. It's worth $5,000. Okay. You're. about break even. >> Uh, no, we're we're not even close to. breaking even. We're in the whole. >> How did you pay for all that? >> We paid for that out of pocket. We paid. the down payment. Oh, wait a minute. I. think I paid half the down payment and. my mom paid half of it and then um. >> there's no personal responsibility here. >> Dude, it's embarrassing. >> And is this 45 and student loans yours?

>> Yeah. Yeah. I'm on a repayment plan with that, which is like pay as you earn. I've been. on it since 2013 and because uh my. income is so low, >> will I get revised next year? Payment as. earned, I don't know. But everything's. gotten a lot more simplified under the. >> fine with whatever they decide. I'm not. going to complain. >> Well, you'll be income based on the. repayment assistance program if that. program that you're on right now is no. longer valid. I don't know. >> Zero for 10 years. >> Well, now it'll probably be like a. couple percentage points that you're in,

>> which is fine. I mean, I. >> that starts next summer. >> That's another thing that I'm going to. be different. And it's like most people. are like, "Oh, student loans." It's. like, "Well, I signed the paper. I I. can't believe I haven't even. >> dropped out, went back like a thousand. times.". >> Yes. And still don't have the paper to. show for it. >> Well, you shouldn't need to at 40. At. this point, you should have the work. experience. That speaks for itself. without the degree. >> That's what I'm saying. And I. >> So, I don't know if [clears throat] I. would have stayed in. >> I I don't I don't I don't know. I just I. I need a solid direction to be like.

pointed in because I obviously have like. skills that are usable, especially I. think working with like special needs. kids for like so long. I obviously have. like patience, determination, uh different qualities that would be. great for any employer. I'm not too. particular about what it would be. I'd. love to be. >> your resume in the post show. >> cuz it it all also depends how you're. framing it. If it looks like you're. going to just accept a job to accept a. job for a quick I can immediately. leave. >> No, >> cuz lots of résumés look like that.

>> At the at the top of it, >> well, I'll review it. >> Okay. At the top of it, I put that I am. uh eager to. benefit a company to help make them. money. I want to be a money maker for. the company to benefit the company. >> Does Fox have student loans? >> No. >> Okay. Surprisingly, no overdrafts in the. checking account. I want to make sure. first though before I go in. Oh, nope. Yeah. No. 130 in overdraft is this year. Great. Great. [clears throat] I want to. make sure first. Is that all the debt we. got? >> Yes.

>> Overdrafting? Why the. >> Cuz your income hasn't gone down until. now. >> No, I mean the income didn't I don't. start swim lessons until May. Now, I had. a tiny bit of income coming in from like. part-time coaching, but that was just. like a few hundred, maybe like up to 600. a month to like pay off some of the. credit card minimum pay payments. And. then like Fox was like working and. paying most of the bills, but and some. of that he he wasn't because of because. of mental health cuz he's going to.

prison because he broke his own morality. and now his wife and kids are going to. be abandoned for a year. Okay. [sighs]. They're an interesting one. Amazon. restaurant. Amazon. >> Okay. >> I get 50% off and I still spending a. ton. Yeah. >> Yeah. 30 bucks there. >> I looked at it after I sent it to you. and I was like, "Oh, I'm. >> Yeah. So, Amazon Pool Food, Amazon Pool. Food, Amazon Pool Food, Prime Video,

Amazon, Amazon.". >> The Prime Video was for my friend and. they paid me for that. >> Okay. Well, there's two of them. And. then Amazon and then Pool Food. Amazon. Evergreen Restaurant. Oh, more. Okay, good. Netflix, Brevity, Amazon, Swimlet, Swimlette, brand videos, >> Texas GM. Yeah, >> Texas GM American Etsy. >> Costco is probably Groceries. >> Yes. >> Nax. Oh, canteen. Vending machine.

Vending machine. Vending machine. Vending machine. Vending machine. Vending machine. Vending machine. Vending machine. >> Stop. That is from when I went to the. prison to visit. >> How many vending machines you need to do. out there? >> Well, I had the kids, so I have the kids. and I'm like, we're there for 4 hours. and they have nothing in your house. >> How are you going to prison? >> You're not allowed to bring. >> What do the kids think of this? >> They know that if you uh break the law, you go to jail. >> Yeah. What do they think about it? >> They are sad, but they know that uh. >> Do people with their kids know daddy's.

in jail? >> Uh I've told them. I'm like, you can. tell who you want, but you need to know. that if you that you need to know that. if you make the choice to tell people, you might get made fun of because this. is something weird that like most. families don't have to go through. So, they kind of keep it to themselves. >> Yeah, very smart. Amazon, uh, something. department. >> They're not allowed to bring food and. drink. >> Classic education and Amazon. Um, yeah, which makes sense. He already got in.

trouble for smuggling once already. No. more needed. >> Apparently they get um. >> some of the inmates they in some of the. inmates get quote unquote packages from. drones. >> Well, yes. Prisons have a massive. smuggling problem. Of course they get it. somewhere. >> I never knew it was like from drones. That's crazy. >> Makes sense. Modern day technology. >> Anyways, >> that makes sense. >> No, he's not involved in any of that.

What I don't see is any savings or. retirement. >> Yeah. Zero. >> Correct. >> None. >> Well, >> I am I am lined up to [sighs]. probably inherit the group swimming. lesson program. My boss doesn't have any. children or really any family. >> Cuz I've been there for 15 years and I. care about her more than anyone because. [clears throat] I'm responsible because. why would she pick you? Well, she did.

obviously because she trusts me. She. gave me a a notorized copy OF HER WILL. >> WHOA. And what will Okay, so what is. this valued at? >> I'm I'm not sure, but potentially. [sighs] 40 to 60,000 um in two months. >> Okay. Okay. Well, let's see how you. manage it cuz we have how you manage. >> I've already I've already managed my own. swim lesson program at the Nitorium in. the way that she does it. So, it's. viable and I can definitely maintain it.

The only reason I can't do it full-time. at the Niatorium is cuz I don't have the. teacher supply. During the summer, she. has the supply of teachers cuz. everyone's off of school. But during the. school year, it's way harder to get. someone who's just going to work 2 or 3. hours and that's. >> okay. Listen, I'm going to make the. budget, but before we do, I mean, we got. this this episode was just wild and we. have so many more wild things in the. post show. More of her backstory. You. can only imagine that got her into this. looking at her resume and just even uh.

her mom's just endlessly bailing out and. we're gonna talk about that even more. >> Let's not talk to please. I don't want. to I don't want to just all over her. >> Who? >> My mom. >> You don't have to. >> Oh my god. >> Okay. So, total income? Uh 1,500, I. guess. Rent, we're going to say zero cuz. you're not required to. Utilities, do. you pay that? >> I pay the electric and she pays the. water. >> How much is electric? Electric is about. 250 a month. >> Internet.

>> 80. >> Do you? >> I pay it. >> Let's get your minimum debt payments. without student loans or medical yet. [snorts and clears throat]. >> Okay. Well, this eats a third. >> already, right? >> $5720. Yep. >> Two cents. Now, to be clear, I want to. make very clear because obviously this. is going to be very tight. Do not pay. debt. if it comes between choosing to pay a. minimum payment or paying for utilities. and food on the table. Debt can go.

itself when it comes to the necessities. of the house. To be very clear, I want. you to pay debt. I want you to be okay. Phone bill. >> My mom pays it. >> Okay. Groceries. What do you budget for. groceries? >> Um, so we do Costco like maybe every two. months. maybe like six weeks to two. months and it's usually um $2 to $300. and then HB is like anywhere from 50 to. 100 a week depending on how much Costco.

like kind of the weight of the weight is. in Costco cuz I get like a lot of frozen. meats and like yogurt and bulk. >> tell me for all three of you do 400 a. month. >> 4 to 600. >> okay I was going to say it depends so. well. >> at minimum. Even that's a bit tight. I want to say. six. >> They eat with uh they eat dinner with my. mom sometimes cuz like she picks them up. from school. >> Okay, I'll say five. Okay. Verroom drive.

gas. >> 40 bucks a week. >> Okay. So 160. >> Yep. >> Car insurance. >> Uh. 165. And that's also renters renters's. insurance, but I've already paid that. out through I think February. So, I. don't have. >> I I'll put an asteris by it then. Okay. And TP fund. Anything else for you and. the kids? I'm gonna say 150. We're. keeping a really tight. >> sports activities, whatever. Whatever. Tampons, all the good stuff. Okay.

Medical healthcare. Are there co-pays on. a monthly basis I need to put in? >> Uh, no. I mean, we have the insurance. The. >> It's horrible to say, but I can't put. any pet insurance, but how much for pet. food? >> Um, about. 60 a month. Okay, subscriptions. I'm not. even going to try. >> I have Netflix and Amazon Prime and. Spotify. >> Let me see if I can put in 20 and you. figure out where it goes. >> 25. Um, is there a gym?

>> No. >> Okay. >> Absolutely not. >> I just Okay, >> bro. I can't even pay to like get. groceries. I'm not going to the gym. >> Every subscription. >> You do push-ups at your house for free. >> Yeah, I mean, sure. That's fine. I mean, cuz Yeah, you're already over budget by. hundreds and I didn't even do pet. insurance, which you pretty much have to. do at 50 bucks a pop. You're already at. 1,900. This just doesn't make sense. >> I know, but. >> which is why in my mind, debt will go up. and then you focus on paying it off.

again in the summer and then it goes up. It's just going to be a rebound. >> I need a solid career. That's I need I. need to be the bread winner. I need to. be the bread winner and when Fox gets. out, he can figure out what he's going. to do. If we have two fulltime incomes. would be great. >> I agree with that. Listen, I'll get you. as many course career certifications as. you want. Usually, we just do one, >> but you need to figure this out for. this. This I'm doing this for the kids. I'm not even doing it for you, honestly. That's for the kids cuz you need to go. get a career now. So, you're going to.

gather as much as you can and you're. going to start working it. But, it's. going to be harder to start a career. 41. really is. Not that you can't not not. that it can't be done, but. >> um from scratch without the experience. Yes, it will be harder. So, you're going. to focus on that and then you're going. to go hard into grinding 40 hours a week. at a job that is a consistent level. income while working second and third. jobs as well. Now, once you actually. start bringing in like 2500 bucks, we. should be able to tackle down this uh a. lot of this debt relatively decently. It's going to take a few years still.

in June. I'm going to be making. >> We're not relying on that anymore, though, because you're focusing on. getting a career now that is consistent, >> right? But I'm I but I can't leave the. pool. I have to at least maintain some. that's another that's another hard part. of it cuz that's another complication. until your career. >> If I'm going to inherit the program, I. have to at least. >> Okay. When's the inheritance going to. be? >> Well, she's like 75, I think. >> So, I don't know how long she's going to. keep doing it. >> So, well, you haven't had a.

conversation. >> I mean, a little bit. She'll probably do. it for another 10 years. >> How do you start a career if in the. summer you can't do career? I don't. know. >> Okay, then I'm just going to go to the. >> Because I would work both. Because I. would work both. I would work two jobs. like you're suggesting or three jobs. >> Yeah, but the hours are okay. Whatever. Hammer financial score. Okay. Spending. your budget. You overspend 0 out of 10. Debt. Uh, well, medical's basically in. collections, but it's not technically.

yet. 1 out of 10 for your income level. for sure. Emergency funds 0 out of 10. Retirement 0 out of 10. Real estate 0. out of 10. You don't own the house yet. You're not on the deed yet. Round it. up.5 out of 10. Click that join button. for an extra insane 20 minutes of this. episode and every other episode by. joining Hammer Elite, including three. premium shows posted every single day, Monday through Friday. Number one, membership on YouTube for a reason, ladies and gentlemen. See you there. >> I just want to be able to make money for. my kids. It. >> It's okay. I get it. >> It's not okay. That's the point. It's.

okay. No feelings alive. >> and I brought my kids into it. Ice has. really big sign on bonuses right now. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. Three exclusive dedicated. shows every single day, Monday through. Friday. Join with the link in the pin. comment or description below. This is. the best membership you'll ever join. That's a promise.