The Truth About Financial Audit

Ladies and gentlemen, welcome to our end. of the year video. The last video being. uploaded in 2025. Listen, this has been an exciting year. All the drama, all the tea, all the. crazy finances, claring your labu, and. smashing some pianos across the desk. Listen, it's been great. But what is. still most important at the literal end. of the day are real people's lives. And. everyone that comes on this show is just. like you in the audience who apply.

Caleb.com/apply by the way if you want. to be on next year. The fact is what. matters in the end is the results that. they achieve. Going through our mastery. your money program using our app using. the resources we have using the budget. that I make on the show and taking the. tough love approach that I actually take. here. Even with all the gooniness and. fun we like to have what matters is the. real results. So, I get to give you. right now before we get into the. updates, our endofear results, which. keeps getting better and better every. year. As of the end of 2025, the average.

financial audit guest has now paid off. $22,87. of debt in just 12 months. And the. median has paid off $12,000 of debt in 8. months. It's incredible. And I want to. celebrate all them, even the ones that I. literally never want to sit across from. again because I hate their personality. I'm I'm a I'm a tricky person to get. along with. I get it. But I want to hear. directly from the people who have been. on this show where they are. So, let's. get into the updates. Let's see where.

they stand and let's cheer them on or, you know, potentially wish for a couple. of their downfalls if they're pieces of. but mostly cheer them on. Let's. get into that. Get your free trial to. the Dollar Wise budgeting app today. Hey, join the tens of thousands of. active users who are taking control of. their money and changing their lives. with new features being added. constantly. There's no reason not to try. it. And if you like it, choose the. annual version to save a ton of money. and get my budget friendly cookbook. signed by me and mailed directly to you. Dollarise.app or link in the description. below.

>> Hi, my name is Monica. I'm 25 years old. from St. Pete, Florida. And this [music]. is Financial Audit. Let me just try only. but not nude. >> Okay, it works for a bit. it. Right. So, I got up to I made like $600 in two. weeks and then I was just below the IRS, you know, tax. I didn't want to. >> also just below you being able to pay. your bills just that's not much, >> right? I got off and then I went back on. one more time. One more time. A year.

later. And I ended up spending I ended. up making like six five or 6,000 in a. couple months. Yeah. And then I'm not. >> You just had 26 hours of purchases. What. the is that? >> I don't know. >> Oh my god. >> I don't know. >> Oh, I'm looking at my accounts now that. I applied to come on the show a month. ago. What's the You'd be able to tell me. what it is. You'd be able to tell me. what the it is. >> Like, it was not streamlined. All my. business expenses, all my personal. expenses, all my travel expenses were. all kind of everywhere. >> $47 minimum monthly payment purchase. How much do you travel?

>> Not as much now. >> Good. $1,518.13. is what's owed on here with a $47. minimum monthly payment. Again, $26 of. purchases, $39 payment, $32.33 of interest acred. >> I tried to like out the balance. Yeah, that's my bookkeeping. >> Okay. Does it have to be on our credit. card that we can't pay off that is. acrewing interest though? >> I just put it on my debit card. So, who. >> knows this is a credit card. I. >> I know. Okay. Yes. Fair.

debt when filmed $50,000. Current debt. amount $38,000. Months since filmed. financial audit three. Technically, my. bad debt is $26,000 higher than when I. went on the show in September because my. old 4Erunner broke down 2 days before I. moved to Texas, leaving me with a new. car loan I didn't have before. But my. IRS debt and credit card debt is down. I've stopped purchasing on my credit. cards and pay the minimums on time. Once. my IRS debt is paid off in May, I will.

allocate an extra $1,000 per month to. pay down the cards, so it will go much. quicker. In other news, I told my mom. want to sell the Tarpon Springs house. [music] If I did, I'd be completely. debtree and she would be able to move. into a rental that is much more. affordable for her. She does not like. this idea and has told me she'd refuse. to pay the mortgage and would not allow. buyers to view the house if I list it. The only reason I have not evicted her. is because I don't want to stress out my. little sister over the holidays. But you.

best believe I'm going to start taking. action on this in early 2026. My mother. has convinced herself that she is an. investment partner and not a tenant and. has gone as far as using my social. security number to change the password. to my lending account so she can bypass. me and pay the mortgage herself. The. only good news is that she paid November. and October. Not on time, but she paid. My tenants in St. Petersburg are. wonderful and just had a baby yesterday. My rental in Fort Worth is a huge. blessing as I navigate this mess with my. mom. Thank you for checking in and I.

hope you all have a great holiday. season. [music]. >> I'm Ivory. I'm 35. I'm from Los Angeles. and this is Financial Audit. >> cuz I don't. >> What do you do? >> I play people on stage, offstage. >> You're telling me there's no one no DJ. that plays people on and off stage in. Los Angeles? >> No. Not on the comedy venues. the ven. the melanated theaters all they tend to. have, you know, more fun kind of random.

things. I play a lot of variety shows. that aren't even I'm not doing standup. and I'm not playing a set. I'm more so. sitting there and then playing the. transitions and the underscore whether. it's a scene or whether it's a standup. comedian uh action. >> And it's $30 for four hours. So clearly. this again, this isn't a good job, buddy. No, no, no. I don't give a Stop. it. Stop. Okay. >> I just uh I kind of just play things. like that to whatever anybody says on. stage. And. >> do that again and I will break it.

>> But I. >> I will legitimately break it. That is. not me saying that as a bit for the. show. I will break it. >> You know, cuz there's a there's a song. >> No, no, no. I will break it. No, I. seriously. I found that from a beautiful composer. online actually. makes me uh you know it it's I don't.

mean to bring you to a breaking point. but I really enjoyed that song and I. wanted to bring it here today. I HATE THIS EPISODE. I HATE THIS. EPISODE. I HATE THIS EPISODE. I'm buying him a new one cuz it's I'm.

not a piece of but I had to CONFIRM IT. WASN'T SENT to mental first. I hate this. episode. Debt when filmed $22,000. Current debt. amount $14,000. months [music] since filming financial. audit five. Been saying no to the not. paying passion project while making. decisions toward a career over. short-term gigs. Well-paying contracted. projects around progress. Dragging ass. on course careers though. And I'm being.

told this is so stupid. It just doesn't. stop. It just keeps adding up and adding. up and it never ends. [music]. I hate these spam calls. [music] I hate. these spam calls. You ever wonder how. these spam calls always know your name? It's because your personal info is being. bought and sold in bulk by data broker. sites. Everyone's getting rich off of. your data. Brokers, spammers, probably. even some politician cashing lobbyist.

checks while you dodge 10 spam calls a. day and pray your identity doesn't get. stolen next. It is violating. It is. infuriating. and it makes you feel like. you've got zero control. And that is why. I'm glad to partner with today's. sponsor, Aura, because they actually. help you fight back. Aura scans a. massive database of data broker sites. looking for your info, your name, your. address, your phone number, and when. they find it, they send opt- out. requests on your behalf. And here's the. kicker. They follow up continuously to. keep it off. Other companies claim to do.

this, but Aura offers the full package. No peacemail, no nickel and dimeming, just one platform that actually gives. back some peace of mind. So try Aura for. free for 14 days at or aura.com/hammer. That's enough time for Aura to start. scrubbing your data from these sites. Now let's get back to the show. Hopefully with fewer people trying to. sell your identity. >> My name is Riley. [music] I'm 20 years. old. I'm from San Antonio, Texas. And. this is Financial Audit. >> The internet moves quick. >> Yeah. >> And second of all, >> it's back. >> Uh math. Math is the real math when.

we're actually talking about your life. and improving your situation. But if. real math. doesn't work, [laughter]. then we transition to girl math and we. use it to live. But I I know you're. saying that I'm not financially stable. I'm not financially um. >> Well, no, cuz you can't take care of. your own bills. >> I can. >> No, you can't. >> I have been. >> No, you haven't. They're paying your. credit card. >> That's not I don't use that for my. bills. I have. >> No, no, but that is a bill you have to. take care of and you are not taking care. of it. So, you cannot take care of your.

bills. I will be. >> But you're not. You're not. And you said. you are, but you're not. >> I have very understanding and caring. parents. I would. >> No. That's fantastic. Good. Good. Congratulations. I'm thrilled for you. But you're not taking care of your. bills. Okay. >> You're not. >> I need to get back on that. >> So, I think we bring your mom into this. conversation. She does not want to be on. camera. >> Uh, but we will bring you nameless. Uh, just audio only. So, I mean, okay. and. you were sitting out in the um guest.

area [clears throat] lobby during this. conversation. >> My big fear and what I kind of want to. just not necessarily confront you on but. ask questions this credit card debt. She. obviously built up a big balance on the. credit card debt. Um and she was moving. out and what she was telling me the. whole time is that she's essentially. independent and taking care of her bills. but she's not. You guys are paying for. the credit card debt. Now, my big. concern is, especially with what she. just said, going and just blowing all.

the money and financing on some tattoos, is what you're doing and paying on this. card. Is that really helping her? I. don't know if she's learned her lesson, >> but I'm telling you, I have. >> Let her respond. No, it's not teaching. her how to be responsible and how to. budget her money better and. how to. ask herself, do I need this or do I want. this. >> and to do to do with what you have?

>> Mhm. Why are you guys paying for it. then? Cuz it's I think it's like harming. her actual future. Not that again, not. that I want her to have to pay off debt, >> right? But clearly from what you were. just talking about, I don't think it's. helping her. So why why are we doing it? >> Uh [sighs]. cuz you love me. [laughter]. >> She was doing well with the credit card. She would, you know, put a gas in her. car and she would charge it and she'd.

pay it off and it went really well. She. would get the credit card up to, you. know, $2 $300. She'd pay it off and. we're like, "Wow, you're doing great. with it." Yeah. >> And then I kind of like put it in the. back of my mind and then a few months. later I asked her, "Oh, how's the credit. card doing?". >> And she's like, "Oh, it's about $4,000.". And.

so my husband said, "No more." So he. took it. He took it. And we knew that. she couldn't pay it on her own since she. had just moved out. >> Debt when filmed $4,000. Current debt. amount $500. [music]. Months since filming financial audit 23. After the show, broke up with my. ex-boyfriend and moved back in with my. parents. I took budgeting classes as. well. Got in touch with my bank and set.

up a plan to be approved for a 3%. interest rate instead of my usual 18%. for 12 months. I am already a $500 debt. currently and doing well. Smiley face. >> Hello, my name is Monica. I am [music]. 23 years old. I am from Hardford, Connecticut. [music] And this is a goth. on financial audit. >> Okay. So, you went and you didn't have. to split with anyone. So, you made a ton. of money, right? >> Uh, what is this? What are you doing?

You horse? >> Yeah. >> Oh, you're chewing in the mic. People. are listening. >> Sorry. >> No. What are you doing? Why do you keep. doing this? >> I'm hungry. >> You have a little stash. Eat afterwards. or before. >> I had a long flight. >> You were in the green room for like an. hour. Why did you What? Why are you. eating into the microphone? >> I was doing my hair. >> Why are you eating into the microphone. on a podcast, lady? >> I have a I have an oral fixation with.

like chewing, but I'd like to be. healthy. actually. >> fixation with chewing. >> Yeah, cuz uh bored eating, I think. Like, >> don't we all have that? >> Yeah, but you're not supposed to eat. when you're bored. You're supposed to. only eat when you're eating. >> Yeah, but like what if chew on pens and. oral fixation? Are we like. diagnosing that? >> Well, that's not a diagnosis. It's more. like just a thing. Um I mean, it it. helped me lose like 50 lbs, though. >> Really? >> Yeah. >> Okay. Maybe I need to get on the oral. I.

should show you the before and after. picture of me and then you'll. >> Okay. Well, good for you. Can Do I get. to take them off? Are they easy to take. off? >> Yeah, of course. >> How easy to take off? >> Um, just don't put too much glue on it. and it you just. >> I don't know. >> I'll tell you. Don't worry. I I can help. you. I can help you. >> Fine. Do a couple. >> Do a couple. >> I don't care. >> Okay. >> I've never done anything like this. >> Hold on. I need to eat a carrot. Give me. a second. >> No. Your carrots. Stop with the carrots.

>> No. Stop with the car. No one gives you. with the carrot. Just don't crunch into. the mic. >> Okay, >> you're a little weird person. >> Cuz the kiss brain is better. But. >> am I going to have the desire to get. pegged once I get these on? >> Specifically. >> pen. I can't pick up the pen. You get a. >> Here we go.

>> Debt when filmed $30,000. Current debt. amount $17,000. Months since filming. financial audit 10. Married and bought a. house. Also found people making AI of me. freaks. Heart emoji. >> Hi, [music] I'm Victoria. I'm 34 years. old. I live in Houston, Texas. And this. is financial audit. Lots of I've got. lots of little friends that I need to. feed and keep happy. >> What? What? What do we have? What is.

like a zoo? Are these your new kids? Like I don't Are these the third. >> children? What What is What is even. happening? >> Do you want Do you Do you want a road. trip down my mini zoo? >> A road trip? I I can't. >> like a visual spiritual journey through. my mini zoo. Yeah. So, I have 16. tarantulas. >> What the are you on? >> Yeah. >> What do you do with 16 tarantulas? >> Um well, here I can show you.

You. [laughter] What is this? How did I not. see this? >> So, this is This is Scarlet. >> Okay. I'm actually quite interested. right now. >> Yeah. Yeah. Right. See, >> hold on. >> And they're addicting. >> Well, I think it's cool. As long as you. can afford them. I don't know about. that. I don't have $16. >> because if you can feed one, you can. feed 16. >> Oh, there it is. >> Yeah. >> Oh, so curious. >> Yeah. And I just watched them. >> What are we on? Animal Planner right. now. If we transition from financial. audit, >> I told I told them I want.

>> for audio only listeners. >> Feed her. What am I feeding her? Okay, maybe we'll do that in the post show. then. I want to stick to your finances. in the main show. >> So, I have 16 of these little guys. >> Okay. >> Yep. But you just watch them. Um. >> I don't know. They're kind of like if. you're having a bad day, you just go. look at them and they make you happy. >> Okay. I don't want I'm scared. She's in. the web, so she's not just going to fly. No, she's not. It's right here. Do you. see this guys on [laughter] on that. camera shot? The No one told me there.

was a damn tarantula in this office. We. have a secret hermit crab. So, not only. financial infidelity, but hermit crab. infidelity. >> Yeah, >> it's a new one. >> Well, why would he not know of the third. one? >> Because it hides. It hides. So, he only. >> Why haven't you told him? >> Um because I don't know my story. When I. told him that I got him, I told him I. only had two. >> Does he like all these? >> No. >> No. >> What? No offense. It's cool. It's cool, but it's it's it's like. stink. It's space. It's. >> maintenance. It's money.

>> Debt when filmed, $17,000. Current debt. amount, $6,000. Months since filming. financial audit, 11. Life has been a. roller coaster. I've made a lot of. progress over the last year, and I've. gone from about 10 credit card balances. to three. Holidays have set me back a. little, but since the show, I've gotten. a good pay raise and I've eliminated. some monthly expenses. I am set to. graduate this month and I've already. passed my licensing exam. As of January. 2026, I'll be a licensed professional.

counselor associate and will be looking. for some contract work to help pay down. my remaining debt and prepare for. student loan repayments. Things are. currently looking up, although I am. still lingering on some poor habits. I. do believe I've made a lot of progress. in being intentional with what I spend. my money on. Hi, I'm Maya. I'm 22. I'm. from New Bron Falls and this is. Financial Audit. >> And it was it was right post You. downloaded immediately because this that. expired January 28th, the Bumble one. So. that means you youing know you found out.

you downloaded the next day. >> Yeah, I didn't do anything though. I was. just kind of like swiping through. I. never I haven't gone on any dates or. anything. [snorts] It was like preferred. pure entertainment of hey, let's see. what's out there sort of thing. And uh. dad never went and did anyone. So I I'll. take it as a as a plus. I love the fact that we get permission. for me to just around and have fun.

before and you have just ruined like I. just don't understand the point of. lying. Listen, [snorts] you are chatting. with Brent today. >> Yeah. >> On Hinge. >> Yeah. This doesn't even matter. I don't. even care. But the fact that you said. like I want you to listen. >> No, the the premium is I never said that. I deleted the apps. I said that I had. >> No, but here's the thing. You just got. cheated on. Just got cheated on a couple. months ago. Went away from basically an. engagement. You were still dealing with.

his finances. You were in no way going. to go in this in a healthy direction. And the fact is is I don't want you just. around constantly. No, I. definitely my my brain was like. >> No, no, I don't want around like this. I. don't care about that. You can do that. as much as you want. I'm talking about. you have no focus. You just got cheated. on. You're going you're you're adding. like 50 dudes on Snapchat as we're. speaking. Like this is endless. Snap. That's why we have Snapchat Plus. But. it's the fact that we're going out and. drinking every night. It's the fact that. we are failing school. It's the fact. that we are going to the beach. I don't.

care. Listen, if you were doing that. stuff and you were going out and trying. to go on 50 dates a night, fine. If you. if you gave that up and we're going out. Okay. But you are doing all these things. endlessly. Endlessly. You have no focus. You are doing a thousand different. things. You are never going to get out. of debt. You're never going to get out. of debt. Yeah. I'm trying to just It's. It's a jump. It's like jumping jacks. right now. No hopscotch. Just back and. forth between everything else. >> Debt when filmed $45,000.

Current debt amount $3,000. months since. filming financial audit. Eight just. working my butt off to get out of the. financial hole I put myself into. All my. credit cards are up to date and finally. on autopay. Then my debt collection. accounts are on payment plans that was. settled for 80%. Still waiting on the. car to be auctioned, but we'll figure it. out day by day. >> Hi, my name's Priscilla and I'm 26 years. old. >> My name is Tony. I'm 26 years old. We. live in Loots, Florida.

>> And this is Financial Audit. >> Thanks. So you honestly the truth is we. just got tired of the business, tired of. doing it and we're like let's just. abandon it. We it's it wasn't worth it. anymore. >> We I mean we tried to cash flow it. We. put like thousands of dollars into the. business trying to buy. >> business. Okay. Okay. >> Lottery the lottery. >> We were trying. >> lottery. How you cannot allow this man. to convince you into this kind of. >> brainwasher. She just but she went along with it cuz. she loves you and she wanted to support.

you. too. And it was we had convers. >> No, all I'm saying is you really wanted. to do it and you, you know, convinced. her because she wanted to support you. and don't go along with that. Call him. out on his. I mean, you you're. How much you've spent on this into this. business in general? >> We probably put about like seven grand. into it. Oh, [screaming].

>> How long did it last? >> About a year. A year, right? >> Less than a year and a half. Yeah. >> Yeah, something like that. I'm going to. chop that card. >> Why don't you just chop up all of them. while you're at it? >> Yeah. Why don't you Seriously? Good. >> That's all the cards. >> Good idea. >> That's every credit cards. Credit cards, guy. Credit cards. >> All right. So, which ones are the credit. cards? >> Every single one here. Every every. single one. >> Really? You don't have a single debit. card in there. >> I I do have a debit card. It's just not. in here. So.

>> what? Okay. Okay. Okay. Go on. Well, the. credit cards you go. Okay. Best fine. Capital One. Capital. Debt when filmed $67,000. Current debt. amount $70,000. [music] Months since. filming. Financial audit eight. We got. married and went to Japan. These were. basically cash flowed through rigorous.

saving [music] and we are finally. focusing on debts as of November and are. more motivated than ever to pay them. off. We learned skills through our. saving for Japan and are ready to apply. those to our debts now. Tony also got a. new job that pays more, so that's a. plus. Winky D. >> Hi, I'm Alexis. I'm 20 years old. >> Hi, I'm Colt. I'm 23 years old and we. live in Palestine, Texas. And this is. financial audit. >> Uh, so you want to be able to provide, I. go to work. Is that what you're saying? >> Yeah. Like I want to,

>> which makes me think that you're saying, "Oh, no, no, no work for you.". >> Well, I mean, on my side, I believe that. like there's more to the like providing. to the family than finances. >> He's a trad. >> Yeah. >> You've married a trad. But you don't. want to be trad. >> No, >> you don't. Okay. seems like a. interesting marriage to have been made. cuz that's kind of a relatively. important thing as in like how we live. together and exist together as a couple. So you're passing this on to someone.

else that you're probably related to. potentially. Are you having fun? You're. just playing with your little ball. there. Are you here? Like what the. is going on? You're just looking down. Are you listening? Are you particip Why. the are you guys here? [snorts]. >> Hello. >> I'm here. What am I doing here, dude? >> I mean, we're obviously here for a. reason. >> Is she Does she need to be here or. should I send her to the othering room?

>> Huh? >> Don't. You're ruining my mood. You're bringing. such dark energy to financial audit. The. Does she even know what she's doing. right now? You're just being miserable. to be around. All right, I brought you a proper. American style wife uh to sit in. Um. he's a good bottom, so. he'll he'll play for you for now.

Okay. Uh discover it again. This is what. I tried to be on. I I don't necessarily. know how to She knows what show she's. on, right? Yeah. [snorts]. Okay. Don't you I know what show I'm on. >> Yeah. Well, your name's Alexis, so. Okay. Debt when filmed $40,000. Current debt.

amount $35,551. Months since filming financial audit, six. Things are going smooth. Wife got a. job and started a business for. calibration software. >> Hi, my name's Isabella. I'm 34 years. old. I'm from Clearwater, Florida. And. this is financial audit. Need uh better. tools. My mom tried to do like Dave. Ramsey CDs on me and that just did not. help me at all with his. >> Sure. If you're stuck in the 80s, I. guess ' 90s CDs. >> Yeah. Yeah. So, I tried that method that. didn't help. Um and so I'm just trying.

to really. >> What broke the what did not work there. for you? >> Uh my. >> because this thing is pretty damn. simple. I don't agree with, you know, some of the debts, the emergency start. emergency funds too low. But. >> what what did not work for you? >> Um, I think just how he words things. I. just didn't think his his life didn't. like his. his examples and whatnot just didn't. align how my thought process works. either. So, I tried to understand and I. tried to implement it. >> You're able to comprehend. Okay.

>> But I just at the same time, I just. didn't really grasp his concepts. I. understand the. >> most basic. I mean, I'm sorry. Sorry, I'm not trying to be offensive, but it's. literally like the bottom tier basic. >> Like, he even talks like this is the. most bottom basic. >> He's like, I was in like $5,000$100,000. of debt and now I have zero. And I'm. like, well, that's great for you, Dave, but I'm different. >> What? >> Yeah, I know. I was just an example. >> What the you talking about? >> He got himself into a bunch of debt and. that's why he's like telling people like.

how to get out of it. How he got out of. it. >> It doesn't matter how he got into debt. though. is. But how you got out is. different than how other people could. get out. There's other ways that work. for other. >> There are other ways, but that doesn't. mean that the snowball method doesn't. work though. That's so confusing. I'm so. I just I'm not getting your logic yet. >> It didn't help me. >> But why? Because the example you used is. like really dumb, honestly, if I'm being. honest. Because he had really poorly. leveraged real estate quicknote debt. >> Mhm. >> All of a sudden you can't pay off a.

credit card. I'm confused. Like his debt. payoff method isn't about the kind of. debt he was in. >> Yeah. I I think well he was just trying. to teach people to get out of debt. because that's how he got out of his own. debt was why all of. >> No, he went through bankruptcy. He. teaches people. >> Oh, you're not having meing slobber on. Dave's right now. I But this is. ridiculous. >> Yeah. So my mom had me listen to some of. the CDs I did. >> His is basic. It's pay off the smallest. debt to the largest debt. How does. because he went through bankruptcy. negate your ability to understand that?

That is the most basic. >> I didn't know he went through. bankruptcy. That's my fault. >> WELL, I'M JUST SO CONFUSED. I. >> I listened to his CDs, but I didn't. listen to all of them. >> Debt when filmed, $75,000. Current debt. amount, $69,000. Nice. Months since filming financial. audit, seven. Things haven't been great. for me. My cat passed away and had to. spend a decent amount of money with all. vet visits. I got a raise at my job this. week, only a $1 [music] raise, but.

that's pretty good considering people. only get 10 to 25 cent raises. [music]. I'm still making progress with the class. course I received. I didn't even end up. going to the other festival in Texas due. to the cost either. Let's talk about. student loans. I know it's something we. all avoid talking about, but if your. private student loans are crushing you, Y refi might be exactly what you need. They don't rely on your credit score. alone. They look for borrowers who have. the desire and the ability to repay.

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and for all. >> My name is Sierra. I'm 31. [music]. >> And I am Jordan and I'm 24 and we live. in Addison, Texas. And this is financial. audit. >> You're borrowing micro payday loans. It's only a matter of time. You didn't. have $11 to go to a skating rink. The. are you talking about? You are literally. there. You're probably here as a last. resort. That's what a lot of people do. You are on that edge. You are going to. be drowning before you know it. You have. like the last chance to turn it around. >> I have a couple of options.

>> What? >> I can always just downgrade my. apartment. >> Yes, I would highly recommend that. immediately. Go on. What's next? doesn't. mean you still won't miss rent. I have a. feeling you're going to feel like you. have extra money, so you go blow it all. or else you wouldn't be in this position. anyway to begin with. Let's be honest. Go on. >> Well, if I number two, >> I just haven't downsized yet. >> Number two, what's the next option? Go. ahead. >> Well, my tax returns coming up. >> Okay. Well, that's a joke. >> I can pay off things. >> Listen, you could have paid it off last. year and this is where we are today. So, you're either going to spend it or you. pay it off with your tax return without. changing your behavior and then you.

build it up every year. cycle. Huh? >> My tax return last year went to bills. It's going to say it's not going to go. to bills this time. >> No idea. >> Exactly. Well, stop looking at the. camera. It's weird. It makes people feel. weird out there. >> Okay, I'll try. >> That's not funny. I'll kick you off. I. have no problem kicking people off. >> Well, look, there there's a nice car in. Fortnite that I had to get it and and. then they had this skin. >> and you do it for the kids. Yeah,

>> but you would rather them have that than. a roof over their head. Good job. What a. future stellar mother you're going to. be. Emerald advance loan. What's this. for? >> Oh, yeah. That is from. >> 288 past. >> Um, so basically they let me borrow uh. they they give you this card and uh you. can borrow money before you get your. taxes. >> It's your tax return money. You get it. before. >> Yes. And basically they g uh the lady. messed up and gave me too much. So when.

I did get my taxes, >> you Why would you spend it all. if you got too much? Did you know it was. too much? >> No. And so when I got my taxes, it it. wasn't it wasn't even close to that. amount cuz I I used to have a problem. with having job to job to job. >> Yeah. Surprised. I mean, you've only. been at yours for 3 months. Shocker. >> Debt when filmed $20,000. Current debt. amount $10,000. months since filming Financial Audit.

Eight. Paid off all the money borrowing. apps. Working on paying off my car. [music]. >> My name is Harmony. I'm 28 years old and. I'm from Fort Worth, Texas. And this is. Financial Audit. >> Why does your name and your location. have to have so many Rs in it? That is. very. >> I asked. >> like racist towards your mouth. >> I asked that every day of my life. Okay. >> Honestly, it is such a mouthful. >> That's what she said. What are you doing. in full? Whoop. >> Sorry. Okay. Um, well,

>> that's the one. One time that one time. Had to get it over with. Please go. What. are you doing? >> I um currently do not have a job. >> Legend sports bar water burger. Door. Dash and Mallister Door Dashy Crack. Barrel. Uh, Dutch Bros. Nothing Bun. Cakes. Door Dash AND PANERA BREAD. THAT'S NOT INTEREST. >> But it wasn't Shut up with that. >> Like it wasn't. >> Oh, you are. You're going to ruin me. It. doesn't. Are you actually I'm so Oh my. gosh. I'm so sorry. Lindsay, may I draw?

Cuz apparently we HAVE TO GO BACK TO. ELEMENTARY SCHOOL REAL QUICK. LADIES, THE CATCH of a lifetime. She's waiting. FOR YOU. COME GET HER. >> Good death. She doesn't understand basic. things. Here's a credit card balance. Whoa. You're here. You're here. You're. here. Oh my goodness. It's It's pretty. close. So, you know, interest is going. to get Wait. Oh my gosh. Can you please. There's this. SHUT THE UP. THERE'S THIS. MUCH TO SPEND. There's this much to. spend. That's exciting. If interest is.

going to hit Oh, I'm going to spend up. to here. Oh Now interest is going. to hit, but we're at our credit card. limit. What do you think's GOING TO. HAPPEN? IT'S [laughter] GOING TO GO. ABOVE. IT'S GOING TO GO ABOVE. >> BUT I DIDN'T BE $300 of interest. Like, that's a lot. >> Oh, WE DON'T KNOW HOW MATH WORKS, TOO. YEAH. LET'S CONTINUE TO GO BACK TO. ELEMENTARY SCHOOL, shall we? >> Calculating and budgeting. >> Death. start a budget came on the show. Shut the up. >> That means nothing. $1,500 basically in. interest this year so far. Shut the up. I'm glad we have that guys. We don't.

have a job. We don't drive enough in. Door Dash, but we're going to order Door. Dash every 5 seconds of our life. You. debt when filmed $22,000. Current debt. amount $1,500. Months since filming financial audit. five. I got a job in finance. It's a. hybrid job and is much better for my. health. I am also getting tests run to. get an official diagnosis of my physical. health issues. [music]. >> Hi, my name is Christian. I'm 28 years.

old and this is Financial Audit. [music]. >> You raided your kid's savings so you. could go on vacation and you don't. regret it. >> Yeah. >> What the is that? Because that's going. to make me hate you real quick. >> No, I understand. I I figured I valued. building memories with him and stuff, taking him experiences. It was worth it. >> Rated. >> Yeah. I figured, you know, I took him to. New York four four times in the last. year. Disney World, the Bahamas, >> Houston, >> with her. >> Atlanta. Yeah, she went.

>> What's the rated? >> Like I used it all. >> HOW MUCH WAS there in your kids? Your. kid savings. Your kids savings. My. savings for him was probably 8 to. 10,000. >> What the for your fouryear-old? >> Yeah. Well, I ran. >> for your fouryear-old. >> I ran it up on my credit cards and then. >> ran what up? >> The trips the trips expenses and I was. like, well, I don't want to pay. interest. >> I figured. >> I don't want to pay interest, so let me. take for my kid's future. >> Well, yeah. He's like, >> what the.

>> He's like a 0% loan. >> She uh she also gets on to me for your. >> response to all that. >> I like I said, I kind of just push it. out, you know? I get I get real anxious. about a lot of things and so when when. we're arguing I get stressed out. I'm. just like, >> you know, yeah, me and the kid will go. visit my grandparents. We'll go hang. out. We'll go do something, you know, let her cool off, come back. She's in a. better mood. >> Dude, this is the least is it This is so. unhealthy. Do you not know how unhealthy. that is? >> Yeah, you know, she's uh Vietnamese. You.

know, they're a little feisty. So, I figured that's just how she is. I know she wants me to do better. It's. just. >> Vietnamese. Was she born here? >> Yeah, she's from here. Her parents. aren't. >> We met serving sushi together at a. Japanese restaurant. It's like 7 years. ago. It's romantic. >> I'm sure she regrets every day since. >> Yeah.

Debt when filmed $83,000. Current debt amount $69,000. Nice again. Months since filming. Financial Audit too. Much better. The. show has completely changed the. trajectory of my life. Not just. financially, but also with my family and. in general. Very grateful to have been. on and can't wait to film my follow-up. episode. >> Hi, I'm Rico Suave. I'm 23 years old and. I live in Austin, Texas. This is. Financial Audit. >> What job do you want?

>> I want to be the guy who just got fired. for using a [laughter] company credit. card. Do you still have that credit card? Did. you give it back? >> Allegedly. The company card is still on. my iPhone still. Allegedly. >> in pursuit of buying more chicken. potentially. >> Are you actually using it? >> I'm not using it. currently. [clears throat]. >> Have you used it since being fired? >> Um, >> buddy off. If you off. You're a piece of.

>> That's not funny. >> I'm telling you, man. I mean, >> you're not funny. >> They were supposed to reimburse me for. gas. I mean, I'm just reimbursing the. gas in terms of food, you know? You kind. of get what I'm saying? >> They told me you used it to buy I did. buy with [laughter] it. I actually did do that. I did do that. It was good. >> What the am I talking to right now? Um, you're not even close to being. considered for a job.

>> I mean, think about it, though. I mean, mistakes are made. >> Why would I hire you? If you're actually. being serious, would you? You have a. weird. >> personality. I interacted with him in. the lobby earlier. This is him. >> Actually [clears throat] found someone. that does very similar business or even. Airbnb manager. That's right. You're. looking at. >> No one's going to trust you for that. Cool. Call him right now. >> I'll call him I'll call Call him right. now and ask ask if he's seriously. considering you for the job. 100%. honest. Put him on the speaker phone. Put the mic to here. >> Let's do it. I'll call him right now. >> He's from the speaker.

>> Speaker phone right here. >> Put the mic here. Oh, >> the bottom of the phone. >> Hey, what's up, dude? Um, yo, you're. [snorts]. >> Yo, so you're going to consider me. actually hiring me for the the job, right? Airbnb job, right? >> Well, I'mma connect you to the owner. They're looking for somebody because the. current manager lives in College. Station. So, he needs somebody to. >> He does. Does he need someone this week? Right. >> I don't know. All I All I'm going to be. able to do is just connect you with him.

and then you speak and whatever terms. Yeah. >> Yeah. You tell him. >> I get to I get to Yeah. >> You tell him I'm the best. I'm on the. most on time. I'm the most responsible. Tell him I'm going to get everything. figured out. >> Um, can I ask why why are you. considering me by chance? Why you want. to consider me? Um, you just the only person that I that. that seems interested. So, what's the. >> I don't I don't want to leave like. anybody. >> How much are you going to pay me by the. way? >> I'm not paying you again. He's the one. that's working with you. So, what it is.

remember how I get paid percentage of. what it is? >> Do you know how much that if you can. guess? Sorry. I know that's that's. that's something that you have to speak. to him. >> negotiate about. >> and like. >> say 10 tell him hey 10% or something. like. >> debt when filmed $19,000 current debt. amount $14,000. months since filming financial audit 7. [music] months since Caleb Hammer still. hates Rico Suave zero Rico is doing fine. moving to San Diego possibly taking a.

lot of degenerate vacations my twin is. moving back to Austin Almost brought a. gun to laser tag tournament. Hitting up. suaveas like my life depends on it. Got. myself banned from Whimo. [laughter]. >> Rico. >> Hi, I'm CJ. I'm 33 years old. I live in. Austin, Texas, and I'm on financial. audit. I like getting my little credit. every month. >> Yeah. It's like the any gamification.

that has ever been implemented through a. product manager in any kind of system. was fully geared towards you cuz you. feel like you're accomplishing. something. You're not. You'reing making. them money and you're putting your life. on hold and your goals further and. further out. Moving to Thailand, it's. going to be a lot cheaper, but you don't. have enough money saved up even to get a. flight to Thailand. So, I don't know. what you're talking about. You're not. going to be able to move to Thailand. Your Thailand. Also, you said you have. to get to your 250 users a month in. order to move there. You're not even to.

two. >> I mean, I'm at 25. >> Probably because when you got this, the. car market was much higher. So, it was. calculating that buyout value to be. higher at the end. The car market value. has corrected a little. Hasn't gone to. where it was pre- pandemic. Probably. won't for a long time. >> I was thinking of just buying it and. then selling it immediately. >> Where is this $16,000? No. whatevering like $20,000 is coming. from to buy it right now if you wanted. to. 25. Where's that coming from?

>> To be honest, I didn't realize that you. still had to pay if you bought it out. that you still had to pay the rest of. the payments. So, that kind of was. thwarting my idea here a little, but. >> why do you think you would do the 9,000. anyway? >> You can't do a $1,000 flight. Oh my. vision. How you think you're gonna get. there is so incorrect and so just.

debt when filmed $16,000. Current debt. amount $12,000. Months since filming. financial audit 11. I started a YouTube. channel and I'm about to be monetized in. under 50 days. I've quit my salon and. I'm working for myself doing hair and. focusing on my personal brand and online. business. I've moved to downtown Austin. since filming. >> Hi, I'm Jessica. [music] I'm 34 years. old. I'm from Miami, Florida. And this. is financial audit. >> What have you gotten? What am I dealing.

with here? >> A lot of courses on the same things to. be honest. Just from different. >> like what are you doing? >> Like. >> tell me anything that is actual answer. >> Like social media marketing. >> But that's you. You're the one that's. supposed to be doing this. Why are you. >> correct? But I need to expand my skill. set. I need to learn. You need to learn. And you're you're still learning every. day, aren't you? >> Are you? >> Yes. Am I blowing $20,000 for it? No. >> For sake, our thing. Our thing. The. thing we offer that has like the lowest. refund rate in the industry. Even though.

that's fine, but you get it for free. And you know that you get a free refund. within a month if you ask for it. If you. don't find value, that's how confident. we are in it. But even that, all five or. whenever this comes out, six of our. educational programs plus the budgeting. app is literally 197. How the did you. spend $20,000 when we have like the best. in the industry with the most lenient. refund and the lowest refunds? How the. did you spend $20,000? >> It's a completely different industry, first of all. >> No, you got scammed.

>> No, they're great. >> They're great coaches. They are. >> Zappard balance is insane, dude. >> It's higher now. Like a lot higher. >> You're doing a Spain a Spain trip with. mom. Are you affirming that? What the. >> My mom will affirm that. >> Your mom affirmed it. >> I doubt she will. >> No. Are you affirming it? >> No. She'll. >> She's paying for the entire Spain trip. You are such a spoiled brat. You've. never learned a single skill in your. life monetary wise. And that means when.

they are gone, you are you will blow. through all the money as you do now. You. are going to be destroyed. Which means. your kids's life is going to be nothing. but stress because their mother has. refused to learn any skills or sacrifice. anything. and they're just gonna see. nothing but stress, stress, stress. trying to pay bills. And that's on you. Disgusting. Disgusting. >> That's why I'm here. >> That's why I'm here. Shut the up. Every. time I tell you something, you push back. against your little tent. Debt since filmed, $11,351.

Current debt amount, $86,48. Month since filming financial audit, 2. The month after I filmed Financial. Audit, I made $13,000 in my business. [music] It hasn't been consistent. $13,000, but it hasn't been $2.5,000. again either. So, I was able to pay off. all my cards and sold the stupid watch I. bought my ax. I still owe my mom and my. student loans, but that's about it. >> Hi, my name is Kimberly. I'm 25 from New. Bronals, Texas, and this is Financial.

Audit. >> Yeah. And you want to have a kid like. tomorrow. So, what goal matters more? The mom. The mom. >> Then why aren't you prioritizing it? >> I don't understand. That's like youring. choice. You could just go do that. >> I know. But also like. >> Well, not just go do that, but you can. at least make the actual progress and. the steps that is necessary to get. there. Getting on a budget, not blowing. all our money, not spending 2,000 hours. more than we make on a monthly basis. >> Yes. Um, but fun is also a priority for.

me, too. And on the spatula, she wants. to. priority. It's a priority for all of us, but which one do you choose? They can't. both be the top priority when you're. obviously failing one from the other. Your obvious top priority is fun cuz. that is what your money No, that is what. your money is doing. >> Fun right now. Fun right now. >> But your fun right now is preventing you. from having a kid or you're going to get. a kid in a household that's going to be. stressed financially and it's not going. to be a good environment.

>> Well, not the environment you would. want. That's true. But I think fun right now. and then focus after the bachelorette, after the wedding, and then after the. cruise in September. I will. >> September. We're talking to. September. THAT'S A HALF A year away. YOU'RE ALREADY TALKING ABOUT HAVING A. KID AT THE END of theing year. So sorry. That's so stupid. You have. >> debt when filmed $20,000. Current debt.

amount $13,000. month since filming. financial audit eight. I've paid off my. credit cards and some of my taxes and. car. I am attacking the car currently. and refinancing at the beginning of the. year to hopefully [music] get a better. rate. I got my raise finally and that. has been so helpful. My Christmas bonus. will go straight to the car. Things are. looking up. >> Hey, my name is Anastasia. I am 28 years. old. I'm from Los Angeles, California, and this is financial [music] audit. I. mean, I also do only on the side, too,

for a little bit of extra income. So, I. >> Is that what pushes you over to be able. to pay the bills? >> Not really. I mean, only has kind of. gone down a little bit. >> for you or for everyone. >> for I mean, I don't know about everybody. else, but for me, cuz I I had a whole. ordeal with like an only agency where. they kind of like trashed my account. What? >> So, I mean, okay, so I started Only back. in. >> here's the LA part. This makes more. sense.

>> So, [laughter] I started Only back in. August and um I had the help of my. friend who was working for an only. agency. So, she actually always told me, "Don't go to an agency.". >> Oh, good. Yeah. >> Then let's go to an agency. If one of. our close friends works for one, it says. don't. >> Yeah. So. what happened was I ended up making like. 10k that first month and I was like, "Oh, well this is fantastic income." So. then it started going down. My friend. didn't want to really help me as much.

anymore. So it was kind of on my own at. that point. And I was like, well, I. don't want to do this on my own. So. that's why I went to an agency because I. was already giving like her a cut and my. other friend a cut to kind of help me. with the account. So, I was like, I. mean, if they're not helping me, like. it's not going to be any real like. difference. Like, I was already giving a. percentage away. Probably food came into. there. I I spent a lot on food because I. don't Okay, >> I just realized you're 28. Why did you. start? People sometimes like turn 18.

immediately get on that o train when it. comes to agencies. Like those agencies. just like wait and then they're like, "Oh, 18.". >> Yeah. >> You started. decently late for someone. Why'd you. start so late? Why randomly did you. start this like literally becoming an. online person working in diddling? [gasps]. >> Um, so I had always kind of like I I. don't think I knew about it when I was. 18, but. >> I don't know if it existed when we were.

18. >> Yeah. Well, you. >> But. >> I'm 2 years old. >> Damn. >> I'm sorry. But um I think it got to a point where. my savings were like super duper low. >> Oh, see that's what I don't like. I'm. okay with going doing whatever the want. as long as it's not like harming someone. else, which someone argued that it. actually does. But either way, uh I'm. okay with consenting adults doing. consenting adult things.

Debt when filmed $28,000. Current debt. amount $25,000 months since filming. financial audit eight. Currently I am. working 40 hours plus doing Instacart on. the side. I'm working towards paying off. my debt. I have eliminated both the Care. and Michael's credit cards as well as. all the firms and CLA. I am attempting. to pay more on car payments, but the APR. is 6%. [music] My credit card loan is. the one that makes things tough. I have. saved money towards the summer and plan. to continue to do so the next 6 months.

and have requested summer hours as well. So there's never a time there's no. income. I am working very hard towards. my debt because I am so tired [music] of. living like this. Any extra money I make. goes towards loans and other expenses. I. haven't gotten anything fund for myself. in a really long time because I'm. putting bills and food first right now. I have planned out how long things will. actually take to pay off. And right now. it looks like for the next 4 years I'll. be paying things off, but I'm making it. a goal to have it not be that long.

[clears throat]. >> Hi, I'm Cassie. I'm 29 years old. >> Hi, I'm Andre. I'm 33 years old and. we're from Oklahoma. >> And this is Financial [music] Audit. >> Yeah, let me defend a 35% interest rate. when I can't afford. I'm aware the way I. got retirement. >> I'm aware of the way I got. >> No, that is dumb with your lack of. retirement, lack of emergency fund, and. overall debt situation is dumb. regardless if you spent it on debt. >> Yeah, I'm I'm aware of that part. But my. nephew was born with a heart condition. where every couple years he has to go. get a valve replaced, open heart. surgery, and he's laid up forever. And.

his parents are very anti- new. technology. Like his newest thing is an. Xbox 360. >> So I got him a PlayStation 5. >> It's not supported on anything. He can't. update any games. >> Most of his discs don't work. And we. don't have a game store where we're at. in Oklahoma. >> Why does it have to be your. responsibility? >> I know it it shouldn't be. I'm I've had. that conversation with him. I appreciate. the heart of it, man. I appreciate. >> That's what I'm saying is I'll defend. the heart. I know it was a dumb. financial move, but I'll I'm going to. die on that. >> Also, it was more than that. You spent.

double than just the PlayStation. >> Yeah, it was the PlayStation and then. >> go on. >> Nintendo Switch for my daughter. >> Mhm. >> That she broke 2 months later. >> Oh my. You guys just get everything. you don't get. >> There is nothing you don't get. And I. see a smartwatch on you. >> Uh this was cash flow. No financing, no. paid off. >> Doesn't matter. It would have gone. towards debt. Okay. So, are you buying. in game? >> No. No. So, I used to uh I was addicted. to it when I was like 19. Um.

>> 19? >> Yeah. I uh Yeah, I had a lot of money. when I was 19 and really no bills. So, uh I spent uh a small house worth on. skins. >> On skins? How much? >> Uh like 92,000. >> 92,000 hours on in-game skins? >> Yeah. That's the best part is I don't. have any of them anymore. >> When you were 19? >> Yeah. Did you sell them? >> No, I got banned. >> Debt when filmed, $32,000. Current debt. amount, $4,000. Month since filming.

financial audit, four. We have paid off. all of our affirmed debt and all but one. of our credit cards and our monthly. minimums have gone down by $700 total. >> Oh yeah. My name is Joey. My [music]. name is Joseph. I am 31 years old. I'm. born and raised in Austin, Texas. And I. forgot the [music] last part again. >> My name is Joseph. I am still 32 and I. still live in Austin. My name is Joseph. I forget my age. Hi, my name is Joseph. I'm 33 years old. >> Guarantee this. I'm going to make. something happen and I will be [music]. held to account because uh hoping to.

make a future appearance. >> and you were going to work every side. hustle possible. That extra $1,000 a. month becomes an extra $2,000 [music] a. month. >> You sure you don't want me to keep at. least 500 in case something happens to. that car? >> There's a lot of reasons to be upset and. you didn't follow the plan that we. talked about. [music] I am not upset by. paying something you legally have to. On. the flip side, it's like, well, staying. broke is harder, and I've done that my. [music] whole life. So, >> did you quote that for yourself right. now? >> Should be [laughter] should be easier. >> If anyone said that before, let me know. But, uh, that's kind of was like, well, yeah, I don't really have any excuses,

do I? >> So, what is the situation on this house? How is the minimum monthly payment paid? Who, what, when? She sends the money. like 900 to me because when we when you. factor in all the bills. >> What bills? You're talking utilities and. >> Yeah. >> Is that half? >> Yeah. That No. >> No. >> No. It's like it the math is weird, but. it's like. >> Well, I need to know how you do it. >> It's like 1,400 between both of us cuz.

like there's also insurance and escrow. >> Yes. >> That's like the the mortgage itself. Escrow. Yes. What is your minimum. monthly payment for that? >> So like half and half,400. So. >> 14400 each. >> Yeah. So she paid. >> each. >> Yeah. >> Each. >> Yeah. >> And you bring in 24? >> No. No. No. Sorry. What did you say? $800 a week. $600 a week. >> 600 for me? Yeah. >> For sake. Joseph, what are you. doing? 24,400. And it is 1,400 each.

Joseph, that's that's 60% of your money. And that's before utilities, right? That's including utilities. >> That's insane, Joseph. >> Debt when filmed, $20,000. [music]. Current debt amount, $6,000. Months. since filming Financial Audit, 30. Just. totaled another car. Thumbs up emoji. >> Hi, my name is Dakota. I'm 23 years old. and I'm from Detroit, Michigan. And this. is Financial Audit.

>> How they are. >> Now, I got to note that uh you know, it's a little early in the day. You may. have skipped breakfast, so I wanted to. make sure we fed you a snack. >> There you go. >> That's crazy. [sighs]. >> You know, I'm not even offended that. it's in a dog bowl. I'm more so offended. that it's not Fruity Pebbles or anything. else other than Cocoa Puffs. >> I'm I'm not doing this because it's in a. dog bowl. >> I am. >> pretty good. >> Pay it off in six weeks. >> You pay it off every time. No questions.

asked, no problems, no late fees as I go. through this entire thing. Yes, >> everything is on time. I have always. been successful on that besides my one. missed auto payment on my Best Buy card. like three and a half years ago. >> Oh, I guess your ex was very uh has a. negative image in the furry community. >> Totally. Yeah, she is a piece of total. piece of. >> why. >> uh transphobic, racist, abbleist, fat. phobic, um everything under the sun, >> which I think that uh that community. specifically is all those.

>> No, there's bad apples. There's bad. apples in every in every C fandom. There's bad apples in anime. >> No, no. Isn't your What? What are furry? I couldn't think of it. Aren't they all. fat, trans, and. >> No. No. Um, I would say it's a it's a. decently sized demographic of that genre. of people. No disrespect. >> Ladies and gentlemen, you know where you. lo financial audits lesbian. correspondent. I need a uh uh uh what. what do we call it? Financial audit. lesbian score, please. 0 to 10, zero.

being the lowest, 10 being the highest. >> on you. Okay. >> I know I have a haircut of a like woman. Yeah, masked lesbian. >> Okay. Um, >> and that. >> you sucked a couple. >> Okay. Well, I will Oh, >> I've had two in my mouth. >> So, this is more like a gay quiz. >> I've been inside two men, but you know, >> you've been inside two men, >> but it's a lesbian, >> but I am straight. I've had to figure it. out. >> You've been inside two men, but you're. straight. >> Yes. I didn't enjoy it. It was honestly. the worst thing I've ever. >> Not really. Take me through that because. you went inside one man and you were. like h give it one more try.

>> Well, yeah. I was like, you know, just. because the first bite's not that good. doesn't mean the second bite can't be. better. >> Yeah. >> So, >> uh, okay. What kind of car do you drive? >> Alexus V8 LS460. >> Um, do you like going to hardware stores? >> No. >> Do you. have any tattoos? >> Yeah. Okay. >> Like seven. >> Um I'm trying to think. Have you watched.

um Carol? >> Oh. Oh, the uh the Netflix animated. series. >> Nope. >> Nope. Not. >> Yeah. No. He's not a lesbian. >> What's the score? >> It's really not the animated series. Carol, >> two out of 10. >> Debt when filmed $25,000. Current debt. amount $23,000. Months since filming. financial audit [music] 2. I got my. credit card APR interest rate dropped. from 29.9% to 12% for a year on a fixed. term. Disables the card, but allows me.

to pay it off faster, saving up for a. streaming setup now that Twitch. graciously gave me my Twitch partner so. I can begin paying down my debts even. faster. Life has been good. Lots of. people recognize me in real life and. talk to me about [music] the show. Very. grateful for Caleb and the team for. having me. P.S. I don't actually think. Caleb's gay for driving a Tesla. That. was just for the cameras. Let's be real. Navigating insurance. feels like trying to read ancient skulls. written by lawyers. And if you've been. thinking about starting a weight loss. journey, but got stuck in the swamp of.

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that and see you inside. Hi, my name is Sabrina. I am 21 years old. I'm from Melbourne, Florida. And you're. watching Financial Audit. And uh when I. was in college, this is used furniture. off a Facebook marketplace that I spent. like a hundred bucks on for everything. >> I did this thing. Yeah. But if you were. scrapping, if you were being scrappy, you would not be in these kind of. finances. >> Yeah. I mean, I'm also only 21 and I've. never lived alone, so it's kind of hard. to just like boop, now you're on your. own. I am going to commit against this.

generation. >> I am so sorry. >> Are you like actually stupid? No. >> Can I ask you that? >> I've actually been taking care of. everything since I was 12. So, >> okay. Yeah. What was then? Great. I. would actually like to hear that. Then. what is the I'm just a 21year-old. What. a infant. Everyone does. You're going to. make mistakes until you die. It's not. the I'm 21. Don't infantilize yourself. and give yourself a preemptive excuse to. up. You will up because you are a.

human in a very temporary life on Earth. But stuff that's infantiliz. pull out the oh but my frontal lobe's. not fully developed until 25. I'm a. psych. >> Dude, after like 14, you have the. cognitive skills to make the vast. majority of rational decisions in this. world and then it slightly develops more. until 25. It's not like a switch is. flipped. >> So what the does I'm just 21. It's so. stupid. I didn't ask that. >> Well, you I mean you asked why. >> Yeah. Yeah. And that's your answer is. >> part of it. >> is I get to excuse everything because.

I'm. >> well no. >> too young to be able to advocate for. myself and make mature choices. >> Well, a bunch of the cards had like 0%. APRs. So, I was using those cuz I didn't. have anything in the bank and then I. just like. >> Did you know what that would end up. meaning? >> Yeah. That it it like acrru. >> $40 payment on this $1,5.35. owed. Oh, for. >> Well, it looks like the balance was paid. off last month, but then you purchased. $1,05. >> Yeah. So, what's up with this card? >> That's the shared card we used when we. moved in. >> Who shared? Shared with who?

>> The boyfriend. You. >> You're not. >> Well, not shared. He's an authorized. user. But. >> Oh, god. Oh, but you're not married yet. Why are you getting so entangled like. this? [snorts]. >> Because he had no credit. >> Tell him to get an intro credit card. >> He did. He actually got a Fizz card. >> Okay, then all of a sudden then we. realize. >> Yeah. I wanted him to start building. credit. [clears throat]. >> Okay, so he got the Fizz card. Great. So, why the did he need to be on this. card? >> I added him before that.

>> Debt when filmed, $38,000. Current debt. amount, $30,000. Months since filming. financial audit, seven. I got a. promotional work and left my private. university to get my management. bachelor's at a state college nearby. I. also ended up enrolling in a debt. management program that has already. helped me handle two of my bad debts. >> Hi, my name is Evelyn. I'm 29 years old. I'm from Lebanon, [music] Tennessee, and. this is financial audit. >> What the is wrong with you? What is.

possibly wrong with you? >> So, I'll tell you what I did with that. >> Nothing. You've done nothing. >> Exactly. So, I took out that loan and. then I realized that I couldn't pay it. cuz I didn't have a job and. >> Yeah. No sh I changed bank accounts. >> Are you stupid? What do you mean? This. was through your bank. Oh, you just. >> What? Cuz it was going to autodraft. Is. that what you're saying? >> Yes. And there was not a way that you. could um. >> it'll probably [clears throat] go to. collections because it's not a huge. amount and that's tends to be where. payday loans go. But technically they. could small claims you. They could go. legally after you. They could. They have.

that right. And that rent is incredible. >> Amazing. >> What? >> Just amazing. You have pretty eyes. >> Oh. Okay. We're not doing I'm noting. sending you money for Tits, dude. [laughter]. >> It's not how this is going to work. That. is not your way out of. >> I wouldn't send you mine. I know Sono in. my life. I'm not going to out them, but. every time he sends schlong pics to. women. >> Yeah, >> he takes them from Twitter. It's never. his. >> It's a business.

>> And I don't do any cuz it'd be way too. risky for me. So, >> it's a business. >> Also, no one wants long pics. No one. cares about that. Like, boobs. Boobs are. beautiful. Who wants to suck a dick? >> No, they look ugly. >> They do. >> They look like aliens. >> Thank you for the compliment. >> You're welcome. >> Your eyes are far apart. Debt when filmed, $40,000. Current debt. amount, $20,000. Months since filming. financial audit, 12. All debt has been. taken care of. I have a brand new car, 600 plus credit score. Hopefully.

starting nursing school in January. Have. to pay out of pocket. And I'm. financially comfortable enough to buy. the things I want in life. >> Hi, my name's Rex. I'm 34. I'm from. Lancing, [music] Michigan. And this is. Financial Audit. You couldn't successfully complete. holding a job for more than 6 months. You couldn't work in a kitchen. You. can't go and sit across a desk from. someone without having to sit in a house. for a week. You're a child. You're. incapable of existing in this world. And. doing all this stuff that you want to. do. And just like, by the way, your kid,

you want to homeschool your kid. All. this stuff that you are choosing is. going to put you in a position where. they're going to have to put their life. on hold to take care of their joke of a. dad. That is your choice. And it's. honestly a disgusting choice. It is a. selfish. >> So them being. >> and it's a joke. >> sick from being in public school. constantly is a better thing. So how. would I take care of a sick kid? I can't. afford a babysitter. I can't afford a. hospital bill. >> Hospital bill if they get the sniffles.

This CO is not the sniffle. >> I didn't even say CO. You just said. sick. I'm suggesting a cold. >> Yeah, there's there's hardly even colds. anymore. There's. >> That's not even true. That's I know. that's not true. >> Bring up the uh wastewater data and look. up over the last years. >> You should check it out. >> Buddy, I'm not falling down your. conspiracy. holes. >> If you find the truth to be conspiracy, there are other problems.

>> That's what everyone says, buddy. that. is in your regard. >> You've met someone else that's taken. this many co precautions. >> Matt, no. But we've all seen them. But I. we all know people like you in society. and you never go anywhere. >> The survivors. >> you never go here long after the rest of. you are gone. >> I highly doubt that. >> I will be. >> Tree service company. I was. >> What's the longest you've held down a. real job? >> The tree service company was uh. >> How long? >> That was almost 6 months. Then I caught.

a a log. Is this even worth going. through your documents? Oh my I think I. think. >> I caught a lot of my head on that one. >> I think you're just lost, man. I think. you're just. >> you're going to be afraid until the. moment you die of everything. And I'm. not saying people didn't get sick. I'm. not I'm not saying I'm on the other side. of it either. I'm not saying I'm on your. side. I I'm not even taking an opinion. or stance because honestly I'm just not. educated on I I just don't really care. I was like, you know, I got a little bit. of fever and I was like, "Oh, this. sucks. Hopefully I can go outside again. soon." And then I did. >> Hopefully I can move again. is some.

people's reality. I didn't I didn't know. that then. That was. >> didn't know what. >> I didn't know what who to look for to. help me. >> Google who to look for to help me. >> And in 2014, I just had. >> um. >> You're able to look things up. >> Well, right. But when I looked it up, it. just said go to H&R Block and talk to a. tax professional. >> That was a paid ad at the top. Okay. Um, >> so I was living in Knoxville at the time. in a house that was. >> What percentage were you guys. estimating?

>> That uh we Well, we were planning for. 30%. Um, >> you put 30% aside. >> No, no, we didn't. That's what we were. planning to um but we never did. >> Theing mean planning to for a half a. decade. You're not planning. to start making money or it's starting. It's starting slowly. It's going to. happen because I was planning and it was. five years of planning. You planning? How much did you What percentage did you.

guys actually set aside planning? >> Set aside none. It was just. >> Oh, you said you filed estimated taxes. >> Well, no. We' file the the form. >> But you didn't pay all right. >> Yeah. >> Yeah. >> That when filmed $400,000. Current debt. amount $400,000. Months since filming. Financial Audit nine. Been working. full-time since the show. My kid starts. public school again on Monday. Paid back.

my loans from friends. Working on. rebuilding credit and saving for a. property. [music]. >> My name is Logan. I'm from San Antonio, Texas, and I'm 21. And this is Financial. Audit. >> Yes, it [music] is. This has been. interesting the few minutes I've been in. the room. When I when I saw you from. afar. >> Yeah. I thought you were either a they. them making me my coffee or just. straight up le. >> Oh, that Yeah, that's incredible. >> He has birthing hips for those who don't. know. Um maybe you want to stand up and. give us a twirl.

>> Uh happily. >> perhaps. >> I think I don't HAVE BIRTHING HIPS. >> OH, this is why I saw it afar because he. has so many things in his pocket. So. when I saw him across the studio, I was. like, "All right, we got a lesbian.". >> I love a lesbian. >> I'm a big time woman lover. So I'll take. that. >> Yeah. Unfortunately, I just have a. straight dude. >> Yeah, it's not as interesting. >> No, it's not. >> Everyone likes good lesbian mixup. >> Yeah, we love the lesbians. >> We really do. She was hardcore with it. And the worst part was I had to wake up. from work the next day and she was. yelling at me until like 2:00 3:00 in.

the morning. And that's whenever she. poured water all over the bed, so I. couldn't go to sleep. And she. >> Why were you with this woman? I've never. been with someone that has done 1% of. these things. >> And then she she punched me in the head. twice. She um. >> yeah, she threw all my broke it, smashed. my. >> calling her in the post. >> I can't You can't She I don't know. >> She blocked me on there. Like she. doesn't want to talk to me. >> I have a phone. >> She doesn't want to talk to me, bro. >> She won't. I will. >> I only had time to do the essential.

parts. I was limited by print time. >> It says hammer. >> hammer that dollar. Oh, sorry. Yeah. Yeah. It's incredible. Um. uh the money. have the full demonstration. >> Yeah. Yeah. Yeah. Yeah. >> So, this is kind of like my whole bit is. I just make stupid robotics and sometime. I do make actual robotics for. >> this is what we're starting a business. with. Next. >> No, no, no, no, no. The business is not. this. Okay. And. that's the whole bit.

To save you from heartbreak in the. future, put your dick under there right. now. Yeah, that probably would help my. financial situation. Remove the little. head and think with the big one. But we. ball. >> Debt when filmed $15,000. Current debt. amount $7,000. Months since filming. financial audit two. Not going to lie, locked in. This month of December, I'm. about to pay another $4,000 to debt. And. in January, I'll be done. Heartface.

emoji. The excited to not have any. anymore. stupid Jeep finally got running. and I'm buying some parts for it and. selling it in January, too. Pretty sick. nasty, if I do say myself. Also, something kind of cool. I got my savings. from zip to $2,500, too, in these. months. Also, I increased my income from. $8,200 a month to all of the last 3. months, I've made between $11,000 to. $12,000, which is tight. [music] Been. paying hella to the truck, too. Everything on the up and up. Show was.

fun. A lot more people than I thought. found it, which is weird, but okay, I. guess. Hope all is well on y'all's end. Take care. >> Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles, and this is. Financial Audit. >> Septton Piercing once a week at this. point, huh? >> Yes. >> Okay. I'm glad you answered yes. Are you. [laughter] in the casting department. here? Okay. Your degree was not in. substitute teaching. >> I know. My degree was in cho Studies and. I got a minor in film. >> It was what? Cho studies.

>> Hold on. I'm real white. >> Are you judging me? >> No, I'm I'm I'm white. Very very white. I am realizing now. Uh so I'm Chico. >> Yes. >> Is. definitely not chicken. I do know that. Okay. I don't know what cho is. >> Really? What? >> I'm from Michigan. I saw one Mexican my. entire life until I moved to Texas. Please tell me. >> what? You need to go to LA. Cho, it's a. culture. Mexican American.

Um, >> and you got a degree in that? >> Yes. >> On purpose? >> Kind of. I wanted to connect. >> Yeah. I wanted to connect to my roots. And. >> cool. Go to a seminar, go to a cultural. landmark or read a book, then don't get. a degree that is going to determine the. careers you're going into right outside. of college that you're then going to. likely build for the rest of your life. cuz you're not getting a job in Mexican.

American studies. >> But I could go back to school. >> What the are you talking about? Oh, what. is LA? What is LA? >> Um, no. I'm saying like I can go name a. job that I could go get a nonprofit. Just cuz it's a nonprofit doesn't mean. your job exists somewhere. >> If it's like a Mexican-American. nonprofit, >> Mexican American nonprofit doing what? What's your job? >> I don't know.

I only know the job I have personally, >> which does not require a degree and. definitely not that degree. >> Yeah, that's true. >> So, you're wasting your life. You have. nothing going for you and you've done. nothing and you're 30. >> That's not true. >> What the are you talking about? Your. debt is only going up. Your overdrafting. is only going up cuz you can't stop. spending like a animal. >> It's a minimal payment. It does it on. its own. I haven't used overdraft.

>> YES. WHAT? YES. >> I [screaming] DON'T WHEN? >> The first of last month. >> First of last month. The first of last. month. It's a normal overdraft. >> So just another overdraft. on top of the overdraft. >> Yes. that gets added to your little. overdraft LOAN ACCOUNT, WHICH I'VE never. even seen before, by the way. Congratulations on making financial a. history of something so horrible and. disgusting. That is not cute. You're. going to piss me off and I'm going to.

kick you the off. I'm going to kick you. the off if you keep trying to be cute. You're not being cute. You're being an. obnoxious. >> Oh my god. >> That when filmed, $46,100. Current debt amount $43,17. months since filming financial audit. five. My shopping habits and gift giving. habits [music] are still bad, but I now. have a budget planner that I fill in. every month. The beginning of the month, I write down my bills on the calendar it.

provides. And at the end of the month, I. write down every purchase I made so I. could visually see what I'm spending and. try to lower it the following month. >> Hi, I'm Char. I'm 42 years old from. Orlando, Florida. And you're watching. Financial Audit. Uh, what was your out? >> It's like I'm psychic. >> What went out? >> Um, 7 or $8,500. >> Very good. So, more. >> Yeah, more. I probably spent more than I. brought in. >> Okay. Well, it was $9,684. So, >> Oh, dang. Oh, dang it. >> How did I spend $99,000? I mean, that's.

everyone asked, but. >> here's the thing. Clearly, it's debt. or. else you wouldn't be here honestly. because you are required to have debt in. order to be on the show and that is what. must be supplementing this. I see no. other way. What is your life? What like. what is going on? Please tell me tell me. just like what is going on? No, no, no. So, listen. You literally just did this. before coming on the show. You took that.

action. >> Yes. >> Walk me through that moment. >> Oh, wait. What did I do before we came. on? Oh, you just transferred to the. previous card. You. you tit listen, you just transferred. because remember I had a balance of. 3,000. >> I'm so sorry. I thought you were talking. about the Capital One. We're all over. the place here and I'm already all over. the place. >> So, walk me through it. You made that. decision to just do that before coming. on the show where you knew you'd be. called out for it even though you. yourself are saying you do not like. doing it and you do not want to do it.

It's a necessary evil at this point. because I've gotten in the cycle. So, I'm cycling through it. I'm an. experienced person and I grew up. Jehovah's Witness. I was in a cult. Now, I'm out. White trash Jehovah's Witness cult. I've. succeeded. >> I mean, >> debt when filmed $52,000. Current debt.

amount 37,000 hours. Months since. filming a financial audit, three. I paid. down my credit card from 21,000 hours. till $10,500. >> Hi, my name is Kaylee. I am 37 years. old. I live in Mariposa, California. And. welcome to Financial Audit. >> If you have bills to pay, work. >> Yeah, [clears throat]. it's better than 9 to5. I only work from. 6:00 a.m. to 2:00 p.m. So, I have like. the whole day ahead of me when I get. off. It's pretty tits. >> Yeah, but that that's pretty tits. Okay.

Interesting. But. that means you probably go to bed. earlier anyway. I mean, your days are. just like shifted, right? >> No, I don't need a lot of sleep. >> Okay. Okay. Well, that's that but that's. not what matters here. What matters is. if you're on the show, >> probably not doing financially well. She's a G bicks. Gar Brooks girly. >> She is. I was I was telling Lindsay. actually on our call that I was kicked. out of a G Brooks concert once, my third.

one. >> Do you want that story? >> No. >> All right, back to the finances. >> I I'ming trying. >> Okay. >> My goodness. I have this insane notes. about your spending. How you're just. blowing money buying weight loss. supplements from China on the gray. market. It was like it was epic. And. then you started buying things to lose. weight and injecting them from China. Then you started getting into. pharmaceuticals from India. You gained a.

bunch of weight when your boyfriend. started dating. >> Yeah, I did. Yeah. >> And now you're still spending $21 for 10. doses of bootleg ompicide. There's a difference. >> What the are you and you're. reselling it to your friend? What are. you What is your life? Uh, not that bad from like the. dayto-day. It's just when you look at it. from the outside, it does look pretty. >> When we put your life together and. actually look at it, it's crazy anding. insane. Yeah.

>> Debt when filmed, $8,000 credit cards. Current debt amount, $3,200 credit. cards. Months since filming financial. audit, six. I already did this with. Lindsay. We just filmed our check-in, but life is good. Two of the three cards. are paid off. I even ran up the balance. further on the 0% card when I bought. flooring because I knew I could pay it. off. Sunglasses emoji. The third car is. a work in progress. My boyfriend is. fantastic and still sober. My child is.

still in my custody. Looo, and I'm no. longer working at the crazy hotel. I got. a much better and more chill job. >> Hi, my [music] name is Kylie. I'm 34. >> Hi, my name is Timothy. I'm 33 and we. are from Las Vegas. And this is. financial audit. >> Like I just had a full-blown seizure. This is, you know, on your guys' part. because you guys have added all this. extra stress to my life. You guys don't. care about neurode divergent employees. >> LA divergent. What's your neurode.

divergent? >> I I don't know. I got to I got to go in. and get tested at some point. It might. be ADHD or. >> DOESN'T HAVE ANYTHING. HE DOESN'T. [laughter] HAVE ANYTHING. AND HE. EMAILS the company saying, "You. don't care about neuro diversion." By. the way, I don't have anything. You. don't care. >> No, I've done the self assessments. I've. been assessed with. >> WHAT? DID YOU TAKE AN ONLINE AUTISM. QUIZ? >> YEAH. >> OH, THOSE ARE THAT'S [laughter] LIKE THE. HARRY POTTER house assessment quiz. Those are so nothing. >> All right. Well, I know how my brain.

works and it's up and [laughter] I don't. think it's normal. So, I find it neurode. divergent because I'm not neurotypical. >> I feel like you went down the rabbit. hole of self diagnosed forever. Now, you. had a seizure. That's something. But. come on, self diagnos. brain. >> Then go [screaming] get diagnosed. >> Yeah, I need to. I've been dealing with. some other. >> This was multiple years ago. >> No, it was like 2 years ago and I've. been dealing with other. >> What is wrong with you guys? What is.

wrong with you? DISCOUNTS AT DISNEY. WE. WEREN'T DISCOUNTING AT DISNEY. We door. dashed Duncan. Door dashed Duncan. Door. dashed McDonald's. Went to McDonald's. Door dashed Duncan. Door dashed pizza. Door Dash Duncan Door Dash Duncan Door. Dash McDonald Door Dash Duncan Door Dash. Wendy's Door Dash Jersey Mike Door Dash. McDonald's Etsy Door Dash Double Dash. Door Dash McDonald's Door Dash Dunkin. DOOR DASH WENDY'S DOOR DASH DUNCAN. Marcy's Door Dash Duncan Door Dash. Duncan Door Dash Duncan It is 1 2 3 4 5.

6 7 8 9 10 11 12 13 14 15 16 17 18 19 20. 21 22 23 24 purchases ON THIS CARD. AND. NOT ONE OF THEM WAS CONSIDERED a. necessity. They were all in FACT. COMPLETE BULL. Debt when filmed $51,000. Current debt. amount $45,000. [music] Month since. filming financial audit 6. We started.

with a budget right away. Cance canceled. out Door Dash accounts. Paid off all. credit card debt and started saving. We. currently have 2 months of expenses. saved. Working up to six before starting. a self-directed investment account. We. went on a family trip to Disney World. and saved before purchasing tickets, so. we had no debt to come home to. And we. talk about finances a lot more often. >> Hi, I'm Nicole and I'm 38 years old. >> Hi, I'm Sam. I'm 39 and we are from. Northwest Arkansas. >> and this is Financial Audit. >> Guys, I'm excited. I love a good.

couple's audit. Thanks for coming down. to Austin. Nicole, you're the one in. front of me. So, let's start with you. What do you do for a living in Northwest. Arkansas? I do only as a foot model. [laughter]. >> I was that kind of makes sense cuz. you've certainly aged out. >> of normal. >> OF. [laughter]. >> Yep. >> Okay. So, a sex I guess is our goal. instead of paying off $48,000 of bad. debt. Why does that make sense?

>> Can someone walk me through why that. makes sense versus the priority of bad. debt? more custom content. Me being able. to sell off some of my collection is. bringing and yeah. >> yeah it. >> so having the shed's gonna allow you to. sell off the contents. So, right now, if. I want to sort through my cards, I. literally have to unstack those 5,000. boxes. >> and take. >> the one that I want and put it on the. bed and sort in the lid on the. >> But if they're all in the shed, wouldn't. that take away space and ruin the.

>> table and to spread them out? But yes, I. mean, that would take away room for. content, but that's a pretty decent size. shed. >> What type of content is What kind of. space is needed for then? I would assume. he already How does the 1600 foot house. not have a corner? >> Because like an actual private corner. that is not uh loud and have other. sounds. >> So if the kids see mother walk to shed, they know she's getting her freak off. >> Well, a lot of times I won't do it that. like I do it when they're in school and. stuff and like.

>> they're Is that not the answer then? Already? >> I mean school just started back. >> I know. But but if we only do it while. they're in school cuz you can stock up. for the summer. I mean content is easy. to. >> No, cuz that's the thing. I get too. tired and I don't want to do it of And. it's Yeah, but it's a lot harder than. you think of setting up in my. >> I'm going to let you know. Believe it or. not, I know a couple things about. content. >> You do. And Yeah. >> And this is a really big production.

>> Yeah. [laughter]. >> Mine is I do it all. >> She does it all by herself. I never did that. An endless amount of time before I was. able to bring on people. Absolutely. >> But did you have kids that were around. you and then like. >> No, but you said they're in school. >> Yes. But it's also like with my mom and. the dog and all of that trying to clean. the area, get the lighting. >> dog. >> Debt when filmed $46,000. Current debt. amount $38,000. [music] Months since.

filming financial audit five. enrolled. in a debt consolidation program that. lowered my interest rates and. consolidated to one monthly payment. No. longer have revolving credit card. balances and I'm working on selling most. of my MTG collection. I am keeping my. decks and buying singles if I build new. ones, but selling my collection of. cards. >> Hello, my name is Natasha, 29 years old. >> And I'm Oscar [music] and I'm 32 years. old and we're from Phoenix, Arizona. >> And this is Financial Audit. >> I'm going to go 3 2 1 point on point. I.

want you guys at the exact same time to. give me what you think your financial. score is. 0 to 10. Zero being the worst, 10 being the best. Okay. >> Okay. >> Yep. >> Three. Trace dose uno. >> five. >> One. >> Almost at the same time. You're Why. again? Why five? Why do you think you're. middle of the road? >> Kayla, f you. Okay. I think everybody. has debt. Um. >> Okay, that's not true. But yes, Americans love debt. I think that I. really think that I try not to spend as.

much or try to like do everything I want. to do. So. I try to hold myself back and not spend. as much. >> I think she lives in a very um. optimistic world where she thinks that. you know everything will magically just. work out itself and. >> like she doesn't care about the numbers. who like what the numbers are showing. you just think everything's just going. to get resolved out of nowhere. >> I will say because I know immigration is.

such a hot top the hot button topic. right now in a non-controversial way cuz. obviously every country chooses or I. guess you know wants to choose who is. coming in and out. You're the like. you're theing dude cuz we have a. declining birth rate. If people are. going to come here I want you. This. dude's coming here working 40, 50, 60. hours a week, grinding, adding a population increase. You know, that's what I like. I like people who.

areing coming in and then they're like, "Oh, I love America. I'm going to work. and, you know, contributing to the. overall culture." I love that. >> Good job. >> Thank you. >> You [laughter]. stop. You're so bad. >> No, you're okay. >> I promise I I've always had a job. I'm a. hard worker. We've always gotten fired. from a job. >> just this past couple years cuz I had. really hard losses. I promise. >> Are you guys protected right now? >> Yeah. >> Currently, we have a system we have a a work permit.

that we have to renew every two years as. long as we don't get like any felonies. or tax evasions, anything like that. Then. >> debt when filmed $100,000. Current debt. amount $77,000. Months since filming. financial audit two. We participated in. October. The biggest advice we received. was to get rid of our truck. As soon as. we got home the next day, we went and. traded in the car for $15,000 family. SUV. We paid off two accounts and we are.

working on paying off another account of. about $1,500 after the holidays. Oscar. will have a lot of days off as he works. in construction and they do not pay for. days off or holidays. We have to make. sure we will be good for the next month. before we try to pay another thing off. We are only getting one gift per kid and. no gifts to each other from Oscar and I. Thank you for all your guys' help. [music]. >> Hi, I'm Taylor. I'm 31 years old and I'm. from Austin, Texas. And this is. financial audit. >> Like when you lose totally agree it's. been 7 months off.

>> 7 months is not a lot of time. 7 months. is a lot of time when you have kids. >> 7 months is a lot of time to make seven. individual budgets. Kids are. >> I do. It is math. It is numbers. I make. budgets for. >> it's not math. The numbers around kids. are not math or. >> you can't just label like, oh, it costs. 10 grand a year for each kid and like. whatever. >> I don't do that. I budget based on the. household. Have you ever watched the. show or or are you just a I know. everyone that comes on the show watches. the show. So, you're either just a dumb. sitting here trying to make an argument.

that doesn't exist. >> You're trying to fight an argument that. I've never made. >> I've seen like three episodes of your. show. I didn't even know really the show. until my friend told me about it. >> Okay. You've seen three episodes. I. think you've seen a decent amount of the. show. >> Yeah. doesn't change that much. >> Kids and what they cost fluctuates. >> Our numbers and fluctuates. And guess. what? You put that in budgets. Yep. Late. payment. WHO WOULD HAVE THOUGHT? $41. fee. $32.75 interest.

[groaning]. I've had three late fees this year, >> but none have hit my credit. >> Doesn't matter. It's more money you owe. You dumb. I've never. >> thousands in interest in fees. >> I have thousands paid attention to that. >> Why? >> Like I guess just ignorance. Like I just. don't. >> ignorance. >> Yeah. Like. >> in what way? >> Well, ignorance of like. >> you didn't even know what to look. >> I mean I know that there's interest.

being added to it. I know that there's. fees, but I'm not. >> I don't know if that's ignorance. That's. more willful. Yeah. >> Yeah. Taylor Swift shop you. It was all necessities, guys. PayPal and. out 950. Fanfix. Pan fix. >> I think that's like a. >> material. >> No, like a subscription on Amazon for. something. >> Debt when filmed $530,000.

Current debt amount $85,000. month since filming a financial audit. Two, I transferred the mortgage back to. my ex-husband and moved into a rental. that is $1,000 a month cheaper than the. mortgage. I'm using the extra $1,000 a. month to pay down balances and get. caught back up. >> Hi, I'm Aubrey. I'm 27. I'm from Johnson. City, Tennessee, and this is the. financial audit. >> You're right. Bills will always be there. if you don't pay them. Why don't you pay. your bills? >> I'm not paying them because I don't know.

why I'm not paying them. I should pay. them. That's not an answer. >> I do pay on them, but like when it gets. to this point, I just feel like, oh. well, just I'm just not going to pay on. anymore cuz what's the point? I'm. already screwed. >> What's the you talking about? No, no, no, no, no. You pay, you make progress, you get out of it, AND THEN YOU'RE NOT. SCREWED. What do you mean? >> But I where I live paycheck to paycheck, it's so hard. >> YOU DON'T HAVE A PAYCHECK. WHAT PAYCHECK. ARE YOU paycheck to paycheck with? You. don't have a paycheck. You don't make. money. >> for now. I don't. But paycheck to.

paycheck. You're around to around your. friend to friend. Paycheck to paycheck. How would you. actually make a paycheck and I'll be. proud? Oh, I am irritated. I am. irritated. Oh. Okay. Oh, try to not Oh. gosh. Not a statement, not a question, not a butt. Answer the question, please. Please, please, please, please, please, [snorts] please.

I mean, a credit score, the credit score. that I have now is not good, but it's. better than nothing at all. It's what. you are kidding me. Can you not answer. my question? Can you seriously not. answer it? Are you incapable? >> No, I'm capable. >> Capably answer it then. What credit are. you planning to take advantage of? >> Like right now? [clears throat]. >> I don't Okay. I don't know. I just think. that. >> Okay. >> I just think that Any credit is better.

than no credit. >> if you're going to take advantage of. >> Okay. Well, what if I close some credit. cards, but then keep some open, not. close all of them. >> Do you understand why I'm saying to. close them? Because you can't control. them. You spend on them. They're above. the credit card limits. You're not. making your payments. You are not a. credit card person. YOU CANNOT HAVE. access to them because the credit. industry is bending you over and you are. not taking advantage of them. They are. taking advantage of you. YOU IN NO WAY.

WHATSOEVER are getting any benefit. They're getting all the benefit and. rewards that they seek and they gain off. of you. They are taking advantage of. you. Debt when filmed $35,000. Current debt. amount $19,000. Months since filming. financial audit 19. I realized after. coming off of the show that I didn't. care about my finances the way I should. have long before. I barely skated by and. was on the path to be a slave to the. lender for the rest of my life. So, I.

began to shift my priorities and. realized getting out of debt meant. freedom. I had mentioned I wanted to. travel, but how could I living the way I. was? I decided to accept defeat with my. credit cards and realized there was no. way I could ever win. I was living out. of my means, which meant I either needed. to start grinding to make more money or. lower my expenses/ shopping habit. So, I. did both. I consolidated my debt, closing all of my credit card accounts. I found a way to live rentree for 4. months to [music] save money. Worked. 14-hour shifts serving tables at two.

different restaurants and stopped. spending on meaningless things. The only. active debt I have is my car, and I'm on. track to have it paid off the first of. the year. I was naive to think if I. never made a change, I would eventually. find my way out. that would have taken. more years than I have. Now I stand a. chance and plan to be out of debt by the. end of the coming year, if not sooner, completely. So, thank you so much for. all your help. I might not have listened. at the time, but I sure hear you now. That's kind ofing stupid. I'll be. honest. But what's not is actually.

getting a checking account that gives. you free money. Free money. We like free. money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use. Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for time. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. STARBUCKS is. and a waste of money. And you.

already know that by making your coffee. at home and investing the rest. So now. you need to do that with your energy. drink as well. MAKE GAMER SUBS AT HOME. FOR JUST 40 cents a serving. And. honestly, it literally tastes better. And we proved this accidentally via a. blind taste test in our Hammer Elite. show, Fat and Fatter. >> The number one ranked energy drink is. Gamer. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to.

see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. Hi, my name. is Rosa. >> What? >> Cutting that off. This is You guys have. broken records. We have just I need to. get into this episode like legitimately. right now because this is the biggest. stack of paperwork I've ever seen in my. life. Listen to this sound. This is. insane. So, we got Sam, we got Rosa 27. 26 San Antonio. That's wonderful. But I.

need to start this thing because we're. going to be sitting here for like four. hour. How in the world do you guys have. so much. paperwork? Yeah, there's a credit limit. of 3,700. So, you. >> Mhm. Yeah, that one was for the house. Like it. >> when the house payment came out like it. was. >> use a credit card essentially for the. house payment. >> basically. Yeah. >> Uh when can we not afford a mortgage? When we're using a credit card to pay. for it or also maybe we don't spend half.

of our income on literal bull. >> Yeah. So why why was bull more important. than a mortgage guys? Why was it? H. >> I think just the spending got out of. control guys. [snorts]. Maybe I just need to give up all of my. morals. and just be in the business of giving. people like 50% loans cuz apparently. there's people out there like you. If I. just ask you if you want it, you'll take.

it cuz you'll take out any any debt that. is presented. >> What? >> Open derogatory. >> Oh, no. No. >> T-Mobile. >> No, wait. >> T-Mobile and collections. >> Wait, pause. Pause. >> Pausing. >> So, that one was that one was 4 years. ago. >> Okay. >> But they keep like putting it on my. credit. >> Yeah. No, it was 4 years ago. >> But I don't want to pay that one. >> Why? It was it was like that one. >> It was like some family stuff and I know.

they fall off after seven years. >> Guess what? Guess what? Guess what? You. still owe it. Okay. Whether or not it's. family stuff. >> So, I I have tried to call to see if. they'll lower it and they gave me half. off, but I just don't know if it makes. sense to pay it off if it's going to. fall off in 3 years. >> So, I did want to ask you about that. one. [clears throat]. >> That's not my top concern out of all. these things. It's not. debt when filmed, $15,000, $841. Current.

debt amount, $21,158. Month since filming financial audit, 14. Since being on the show, life has been. wild in the best way. Our income. literally doubled. We went from $6,000 a. month to $12,000 a month, and we're on. track to hit around $17,000 monthly next. year. our debt payment dropped from well. actually I'm reading it right here but I. think instead of reading it we should. actually see where they stand in a video. format. Let's watch that.

All right. Well, welcome back. You guys. have done this so you know a few times. now. Everyone knows you. Everyone's. cheering from you for you. You guys were. in the original fat stack week and I. popped into your live stream a couple. weeks ago. >> You were live on TikTok. You were. talking about your debt journey and. everything. Yes. And earlier that day, earlier that week, Lindsay uh you know, she kind of uh whispered to me a little. like, uh, you know, a good follow-up is.

coming soon, something exciting. And I. was like, okay. So, I popped in your. TikTok and I was like, I heard some good. news is coming. So, I'm excited to see. what we do what we're doing. Okay. I'm. excited to see what we're doing. I I. don't even need to do a full recap. You. know, we did that in the intro and. everything. The thing is, you guys came. in was one of the worst overall numbers. financial situation we have seen cuz it. was beyond the original fast week. We've. done two fast weeks, I think, and it was. just it took us forever to get through. that document. You guys were ruined.

Where are we today? >> I would say we're just about done with. that journey. >> Just about done. It's about done. I feel. like we did all necessary steps. We've. been more disciplined. We've been. following the guidelines, watching all. the um our bad habits, cutting out the. gluttony, >> things of those nature. No more um. birthday months, things of that nature. >> Birthday months kill me now. I haven't. even heard that term in a second. >> I feel like we're right there. I feel. like it's not going to be too much. sooner. I mean, and then I also feel.

like the last thing we just need is just. a little bit of advice on a couple. things here and there. just tips and. tricks about maybe kind of moving up in. the world, >> seeing where we should invest and. >> charity, things of those nature. >> We're almost to that conversation. That's exciting. >> Freedom. Yes. >> That's that's exciting. Yeah. Freedom. What has it been? It's been uh a year, year and a half. >> No, since the initial a year. >> A year. Just a year. Wow. Been a year. And you say we're almost there. What's. left? What What do we have to get to to. get over that hump to completing this.

part of the story? cuz it's a part. >> I think the last thing would just be. that time share. >> Yeah, >> that that was the hefty one. >> But even still, >> we had. >> dozens of separate accounts and. documents and we're blasting through. those and only one left. That's insane. After a year, that's insane. >> Yeah, just about. We have a couple more, but I think we're. on to different things. So, I feel like. the goal was to be credit card debt. free, but then the more we're learning. about finances, it's like I hear when.

you say, "Well, I still have student. loans." And I think people would want to. just completely kill all the debt that. they could, their mortgage, their car, but then I realized that you could put. your money elsewhere. >> Yeah. >> So, I I was hearing that and I was like, well, why does he still have student. loans? But then that's when you talk. about the interest rates and being able. to put your money. >> in investing and other stuff. So now I'm. like, well, is the goal to pay off. everything that we have or is the goal. to put our money elsewhere to set us up.

for success? >> So I think that's where we're at right. now. >> Okay. Okay. Very cool. Now which one in. here is the time share? Cuz I want to. make sure I don't lose that because we. are going to blast through this cuz. really these are these are just all. [clears throat] paid off accounts. It's. like what's even the point? Like okay, great. Okay, we have a paid off. synchrony. Woo! Yay! Okay, so synchrony. is paid off. That's great. City $0. Oh, no. Okay, $0 and Okay, well, City Custom. Cash does have a balance. >> That one's paid. >> Okay, City Custom Cash is paid. So, I.

guess no balance. American Express paid. No balance. >> No need for this. Get out of here. >> We love that. Look at that. Just a year. American gold. American gold paid off. every month. doesn't matter because uh. like I said, you can transition to a. credit card person and you guys, it. sounds like you did. I see $0 on Apple. Card. Don't need to see this. Remember. when it took us like 2 hours to get. through this originally? Well, not this. time. And there's, you know, there's uh.

>> Sephora and Papers Plan, Vacation Club. And that all of a sudden is not a bad. thing when our finances are good. I want. I give people more fund money to spend. than almost any other financial program. I can think of. But only when you're out. of the risky position of bad debt, right? Chase Auto. Okay. So, we kept the. car, but it's at a 5.17. I'm okay with that. Yeah. And so, I'm. okay with that. It is a balance of Yeah. I mean, it's under 3,000, so I would. minimum until it's paid off. >> This looks like Is does this still have. a balance? Amazon Chase.

>> No. >> Gone. Dead. Perfect. Love it. >> Um, and this was Yeah. Okay. Well, here. it is. Look, here's her written down. debt summary. Zero across the board. I'll set that. aside as we keep going through here. But, >> okay, Discover zero. >> I want you to see that. >> Yeah, that one we paid off, but we. actually did a balance transfer. >> for the time share. So, the time share. was at a 12.99%. >> So, now it's on the Discover. >> and now it's at 0%. >> which is 0% until. >> Yes. Uh, August. >> Okay. August. Are you doing the minimum.

payment that is required in order to pay. it off before? >> We just started. We just. >> So you'll do the math to make sure it is. paid off by August. >> with 0%. >> Perfect. I'm okay with that. That is. actually how balance transfers should. work that you've you did that in a. correct way. You're not taking a. shortcut. You did a mathematical good. approach where you've put it on a card. that is zero and now you're making the. minimum minimum monthly payment required. >> by you guys that you are studying to pay. it off before 0% ends. Yes. So I love. that. >> Yes. And it was actually an open card. that we paid off. So, we just kept it.

open and then they offered us a balance. transfer so we didn't have to open new. credit cards or anything for that. >> Then this Morgan Stanley, it is a, you. know, 700 bucks in there. And I know. we're starting that part of the journey. next. And the mortgage obviously, you. know, incredible rate. Everything's so. good in San Antonio. I always forget how. cheap it is until someone comes on with. a mortgage from San Antonio. I'm like, how the is that even possible? >> Yeah. Um, I am seeing a balance here. Yes, it's under 4,000, but it's at 0%.

forever. >> Forever. >> Forever. >> Now, obviously, just having a balance. that is owed, even the low car, even. well, less so on the student loans, but. okay, a low car, 0% here, >> it is still risk cuz it is money you. have to pay back if you become jobless, right? >> Mhm. >> I understand that is 0% we want to catch. up in retirement. I do get that. But. what's your thoughts, philosophy around. this balance, not the 0%. I think we're. stuck because we have two cards that. have 0% forever. Even if we pay the. minimum payment. Yes. Forever.

>> And but not that other one. Yeah. So. even if we pay just the minimum. payments, which is about 200 for the. both of them. >> Yeah. >> We're going to pay it off within the. time that they gave us. So. >> yeah, I mean this one's four years, >> right? So should we stay? >> Is this the other one? >> Yes. >> Okay. >> That's 0% forever. >> So I'm setting this aside. Let's get the. full financial picture first. Ally. checking account. I don't like that we. ended with 5.99. >> It's just a little low. I want to see a. minimum of a thousand in there. Right. >> We have it in our savings. Ally has.

>> but checking account I would at least. have a,000. >> Okay. >> And yeah, I definitely agree. Everything. beyond that. So, we're putting that to. savings. There is some eating out and. but again, that's not necessarily a bad. thing. And look what you guys have. accomplished in a year. I'm definitely. not going to cry and complain. Right. >> Mhm. >> Um, so many stuff. I know. Oh, so many. papers that you paid off and keeping the. ones that are alive on the table. >> Yes. >> Cash App Cafe. >> Yeah. I mean, definitely some spending, but it's actually not too crazy. Lot.

just lots of transactions and transfers. mostly, but um going in getting some. and stuff like what was your. guys' original Hammer Financial Score. the first time we filmed? You remember? >> A one maybe. >> Two. It's crazy. >> I was super excited to see where you. guys are today. Now, remember, get your. Hammer financial score for free at. calebhammer.com. Uh, take it, take the assessment. Only. takes a few minutes. See where you stand. in the world of finances, where you need. to improve, what you need to do to. improve, or where you're already doing. pretty well. And make sure you download. the Dollar Wise budgeting app if you.

want to turn yourself into a success. story like these two and tens of. thousands of other subscribers to that. app. Download it. Dollarwise.app. Take the free trial to see if you like. it. And if you do, sign up for the. annual version because I will personally. sign my budget friendly cookbook and. mail it directly to you. And that is. only lasting for another couple more. months and then it's gone forever. I do. like this the savings of seven. >> Yes. >> 74. That's great. That's great. Now see, and this is why I want minimum a,000 in. the checking cuz you had an overdraft.

transfer from here. >> Yes. >> Yes. >> So that. >> cuz it pulls from the savings. >> Exactly. Which but we shouldn't be. overdrafting. >> No. because that is just a lack of. managing the number that is in our. checking account. You guys are going to. you guys are have incredibly gone in the. right direction. So, I'm not going to. die about this, but I want this to be a. learning example now. >> of why we at least have a thousand in. checking. Okay. >> Yes, >> that makes sense. >> Cuz the savings is there right now. If. an emergency happens, savings goes away, then what happens if we only have a few. hundred in checking account, right? So,

we're just setting oursel We're It's the. layers of protection. >> Mhm. >> It's the layers of protection. And with. what you guys do, with what you guys. make, checking account, we should be. able to have a thousand in there. >> Gotcha. >> And you started that month actually with. two. So I know you can do it. 13 in this. Fidelity. That's good. >> Yeah. I think the other um because we. used to have 11 in our savings, but I. put one month in investing and we just. invest in the S&P. >> Okay. >> Um so it's seven. >> for a fully funed emergency fund. I. don't know if I agree with that.

>> Well, I thought we had one or we don't. have one. >> Did you Is that 7,000 is a full. >> It's about 2 months. Yeah, it's about 2. months. from an emergency fund. >> How much do we need? >> 6 months. >> Oh, no. We don't have 6 months. >> It's 6 months or $10,000, whichever one. is higher. >> Mhm. [clears throat]. >> Oh, we have 10. We have more than 10. >> in savings. I saw seven 75. >> The the paper that you just dropped, that was a Ally invest. So, that's all. on the Ally together. >> But it's not savings. It's investing. >> But it's on Ally. Like, it's just. >> It's investing. It's not saving. >> Yeah. But I guess I put it as savings.

Like that was. >> no because it could lo like we could. have uh 40% could get cut in a few. [clears throat] weeks. Like emergency. fund is just sitting there. It doesn't. even need to make money. We like it to. make money. You know, I put mine. >> towards it basically. >> Yeah. I put mine in my chime checking. account and everything and it gains what. like 4% interest and everything. Yeah. We're No, no, no, no, no. So, what does. it cost to keep you surviving for a. month? >> About four. >> Okay. >> Yeah. >> So, >> yeah, you need 24,000 hours in a savings. account that is just never touched. aside. Mhm. Okay.

>> Cuz that gives you the ability to do. anything. If you can survive for 6. months, if anything happens, [clears throat]. >> you can do anything. You can invest as. much as you want. You can spend as much. as you want. You can do whatever. It. gives you that freedom and flexibility. >> That was one of our questions as well. that we were going to ask you as well. about that. >> Oh, perfect. >> About what it's going to be. Was it. going to be either that six month time. frame or was it going to be like in. terms of. >> 2 months, 3 months, what you thought it. would be in terms of that? because we're. kind of having we're kind of going back. a little bit back and forth about what. we think would be efficient enough for. our lifestyle or if we want to live a a.

upper lifestyle. as well very soon. You guys are almost. there. Here's the usual steps. Not. everything is one sizefits-all, but. here's typical one month emergency fund. or your highest deductible, whatever. that is in a savings account. Step. number one, >> gotcha. >> Pay off all high interest or bad debt. That is non-mortgage debt. Sometimes it. can be, but non mortgage debt of over, call it 5%, 6%. It's certainly over five. >> unless it's federal student loans as.

well. Even at a 7% federal student loan, >> it is still protected. There's. protection provisions with federal. student loans. So, that's not. necessarily counted. We still want to. tackle high interest ones, but they're. not the priority because they have extra. protections. But either way, in general, bad debt. Then it's a full six-month. emergency fund. And then it's living our. 50 30 20 which you guys can easily do. the 50 30 20 50%. >> needs 30% wants 20% investing. Yes. You. guys are trying to live here first. without conquering that six-month. emergency fund.

>> Mhm. >> Cuz as far as I know the bad debt is. gone. The car it's fine. It's just over. five and the balance is small enough. I'm okay with it. And then the 0% loans. were taking care of them before they're. gone. So I'm okay with letting them sit. >> Obviously the mortgage is a good loan by. like objectively like the rate and. everything. Uh, it's great and the. balance is fine. The minimum payment is. well within the budget. Uh, so you guys. are trying to skip the six-month. emergency fund and immediately move to. the 50 3020. Not having a fully funded. emergency fund is an emergency cuz what.

can happen if a real emergency hits and. that's why it's an emergency. It's. unpredictable. So don't just think it's. not going to. Yeah. If a real emergency. hits and you don't have a fully funed. emergency fund, this goes from you guys. almost made it over to the hill to. falling all the way back down and then. you have to climb for another year. >> basically doing all over again for. nothing. >> Yeah. For nothing just cuz we decided we. wanted to skip the step. >> So we're at 3 months right now, but we. should be at 6 months. >> Double it. Double it. And then we can. really just live that life you guys are. ready to live. But you guys are so. close.

>> Don't give up a whole year for just a. few more months of work, right? Right. And then everything after the sixth. month is just gains. >> Just gains. Gains and living. Cuz. actually with what I see the spending in. here on fund after that six-month. emergency fund is good. >> As long as you guys are contributing 20%. to investing, I want you guys to. basically triple. >> quadruple the spending I see in here on. fund. Yeah. >> At a minimum. >> At a minimum. I want you guys to go on. trips. I want you guys to live it up.

within that 30%. But your 30% stretches. >> when you get the freedom. >> What's the household income again? >> We're at like 12,000 right now. >> Yeah. >> I mean 30% is incredible. 12 What the. are we doing, right? I mean blowing. $3,600 a month. Okay. You know what you. can do? >> You can honestly. >> we not even close to that. >> Yeah. >> We're like under a thousand. >> Yeah. Exactly. So after the sixmonth. emergency fund, this is just for an. example. What's What where have you guys. gone before? Where where's your best. like craziest trip you've ever done? >> Probably Vegas. Maybe.

>> Okay. You. >> same. >> Mhm. >> Okay. What you can do is save one month. of that fund. >> Actually, save uh save 75% of that fund. money and only spend the fund that. you're kind of doing right now. Save. 2,000. >> And then the next month, >> combine that 2,000 you saved from last. month's fund spend. >> and then that entire month of fund. spend. >> Go on a threew week European vacation. >> It's like a rollover. >> 5,000 bucks. There you go. Boom. European. Live it up. Two weeks. That's.

kind of what I've been telling her as. well with that whole process of like not. prioritizing like the car and the. mortgage stuff. That's not really debt. That's. >> I mean it is and it is technically risk. but. 20 with them. >> Treat yourself to a European trip. >> You totally can Asia wherever you want. to go. >> Mhm. >> Save up most of one month's fund money. and then use an entire next month's of. fund money. Combine them. >> Do something crazy. Celebrate the end of. this. But you're not there yet. Three. more months of saving expenses must be.

saved and then you guys can do this. minimum. >> What's the total retirement number? Because there's a lot of retirement. accounts across the board. >> Probably 25,000 right now. >> Okay. So that's that 20% that you guys. are going to be contributing. >> Mhm. >> That's fine. That will get you to an. incredible retirement by the time you. guys hit retirement age. >> Yeah. >> Okay. And I don't think your needs are. going to be 50%. >> No. >> No. >> So really honestly what you're able to. do what what do you think your needs. will be? like groceries and uh school. things and what whatever you know what.

do you think needs are going to be. percentage-wise just right now round. yeah round it. >> it's about 30%. Okay, you know what that. means? Cuz you're going to contribute. 20% to retirement because I don't need. you to contribute more than that. >> Now, you can contribute an extra. Let's. say you contribute 25% to retirement. just cuz you want to play catch-up a. bit. Okay, that's great. And live a. higher retirement. That's wonderful. So, 30%. >> to 25%. >> Guys, you can spend 45% of your income. on you, fun, >> whatever. >> around living it up, vacations, spoiling.

people, gifting, charities. you you. wanted to talk charitable, there you go. After you got that six-month emergency. fund saved up, >> if you wanted to donate your entire 45%. for a month to something, you would be. able to. >> You totally could. Thousands of dollars. >> But what's critical right now is that. extra 3 months. And I I want to make. sure we do not skip that cuz that's. where this that's where this was headed. is you guys were about to skip that. And. I I want to make sure this last year. wasn't done in vain cuz it very well. could be if you are not fully prepared.

for an emergency. So, would you do the. three months and wait on the credit. cards or do you want us to pay the. credit cards first? >> The 0enters? >> Yes. >> The 0% for these ones the that are. sitting here 0% forever minimum fee. payments until they're paid off. >> in general. Uh cuz honestly, like Okay. Cuz you'll have a six-month emergency. fund where you can tackle them if an. emergency pops up. >> And then the other one that's a 0% until. August, >> you need to do whatever minimum is. required to pay. >> to pay it off before then. So, that's. what you guys are doing. And then.

minimum payment on car until it's paid. off minimum on mortgage. >> until all that. >> cuz we're putting like 5,000 at least a. month towards our credit card debt. >> No, no need to anymore. >> Okay. >> No, get that fully funed emergency fund. Then if before you guys want to live it. up, you want to tackle the credit cards. just to tackle the credit cards, you. can. >> Mhm. >> But I don't need you to. And listen, if. you'll be at 30% living. and 20% retirement, maybe take an extra. 5 10% and throw them towards the cards. to pay them off early cuz you still get.

to live 35 minimum percent towards fun, which is incredible. It's better than. almost anyone in the United States. actually gets to other than those who. are just going in debt. >> Mhm. >> So, you can pay them off quicker, but. you don't need to like speedrun them. >> You just contribute like quadruple. what's required. >> Mhm. >> Cuz you have the security. It it feel it. feels kind of similar to the car right. now because I see the balance and I pay. it monthly, >> but I can see that we could pay it off. if we wanted to, but it doesn't bother. me. >> Exactly. Listen, you guys have been in. stress mode correctly cuz you guys were.

dying. >> Yes. >> On the one more floor, you were headed. towards the place of you were in the. place of that stress is not meant to. continue forever. You're about to enter. the live mode. Okay? It's not meant to. permanently put you in the place of. freaking about about your numbers. You. sit down, you budget monthly, but you. get to tell your money where to go. >> Mhm. >> And you don't need to freak out about. the debt anymore. Not anymore. The. emergency fund, yes, but only for a few. more months and then you don't cuz. that's set in a savings account that.

honestly I'd put outside of Ally anyway. I don't even want it to be connected to. your checking account. >> Yeah, it is. >> Maybe keep a thousand in Ally just just. in case you accidentally do the. overdraft thing. Yes. >> But we shouldn't anyway. You should have. enough in your checking account. >> Why the tears? >> I don't know. I think I'm just like I. think we've been trying to do this for. so long and. >> Yeah, you have. >> Thank you. >> Mhm. [clears throat]. >> You're in the place of and you have put. in the absolute. grind and work and sacrifice. >> Maybe that's what it is.

>> Yeah, >> the relief. >> And I'm sure you guys have seen it. together and have had these. conversations together. But you guys are. on the part of well honestly so much to. celebrate to be clear. >> and you're about to be to the point. where it's full celebration only, right? >> So take the moment, be happy. You guys. have gone through the financial audit. journey that this is here for. You know, the show's goon. The show's fun. The. show's roasty. It's a good time. But at.

the end of the day, this is where we're. meant to get for more people because not. everyone has a strong income as you. guys. You guys are in a very blessed. position. We can acknowledge it. >> That also doesn't mean you that doesn't. take anything away from what you guys. done. I want to be very clear. But for. other people on financial audit, it's. going to take them four or five years, right? >> Um you guys were able to do this in one. and that is incredible. Yeah, we've doubled our our income. monthly cuz we were at six and he's. gotten three raises since just alone and.

then we picked up side hustles and. stuff. So that. >> which shows two incredible things we're. celebrating. One, >> yes, >> good job on the work and they're seeing. your value. That's incredible. Yes. >> Uh and two, it also shows that you guys. have learned the skills from the show. because a lot of the time, what would. you have done before you came on the. show if we're being honest? More money. would have come in, even more money. would have been spent, right? >> Yes. You'd have doubled the D. So that's. incredible. Showing that you guys have. actually learned something. Executed. what needed to be executed. And you're.

living it up. You're living it up. Few. more months, guys. Few more months. >> Mhm. >> Then pop those champagne bottles. Take. her to a $1,000 dinner. >> I'm not even kidding. [clears throat]. >> That's what she would like. >> Yeah. Take her to a thousand hour. Go. full bougie night. Full bougie night. Go. crazy. Okay. Or if he likes a strip club, take. him to the strip club. $1,000 in ones. Throwing them. Okay. Have fun. >> Yeah. >> You're almost there. >> Almost. >> You're almost there. Now, you told me.

before the show, I have your resume cuz. you don't like your current job. Tell me. about it. >> Yeah. They're. >> the way that they're running things, they're not hiring internally anymore. So, I feel like I'm basically stuck as a. seller one. and to even get to a seller. too. They they'd rather hire from other. companies right now because they think. that they shouldn't hire internally. But. I'm also to where I don't know if I want. to do sales or not. >> Yeah. >> Because I was doing the I am doing the. taxes and the credit repair and the.

finance. >> industry. So, >> well, your resume is definitely catered. towards sales, especially with this last. job. >> The last job, I do like that you've at. least been there for over three years. now. Three and a half. That means you're. able to translate that to another. position. You know, if you were under. like two years to be like, "All right, what are we doing here?" It also shows. that you do stick places. So, there's. some qualities here. >> Unfortunately, if there was one concern, it's that the jobs before it were kind. of retail, >> right? So, the two jobs before your.

current job as retail, but I don't think. it matters as much because you've been. at your current job for three and a half. years. However, what I might do though. is curate more to this resume to your. current job. >> Okay? and maybe take a couple bullets. away from that middle job. Well, actually, no, cuz. >> the middle wasn't retail. The last one. was, though. >> Yeah. Okay. Yeah, you're right. Cuz I. mean, it it reads like retail, but once. you dive into it, you realize it is more. of a sales position going around. Okay. Let me look at these skills cuz I know. sales makes money, but I don't.

>> Well, this is hyper geared towards. sales. So, uh. >> I just don't know if I should stick with. sales. >> Well, >> or if I shouldn't. And that's what. getting rid of the all the debt and. having a fully funded emergency fund. gives you that flexibility to take a. lower income job as you're getting into. a new career field to try to go up the. career ladder there cuz. >> that's smart. >> If we're being honest, if you change. industries, >> you might take a pay cut for a little. bit. >> But that's okay if you guys are debtree. outside of the mortgage, you know, before. Okay. So, actually, this is what. this is what I would personally do, right? Okay. If we fully want to get out.

rid of sales, then this resume is like, okay, what are we, you know, >> this is geared towards sales. you're. going to have to gear whatever next. resume towards taking skills you had. from these jobs to getting in that new. field. Maybe we're getting a. certification on something, of course. Um, but. grind to get the fully funded emergency. fund and then pay off all three cards. and the car and then. >> move over. >> and then yeah, aim to get this other. job. So, before we take a potential pay. cut or take a potential risk,

>> knock that out first. >> Yeah. Kill all the debts outside of the. mortgage and the fully funded mercy. fund. So that means a little more time. and a little more uh lack of full. celebration onto the gate. Like yes, obviously mentally celebrate, take some. of the stress off, but you're still kind. of a little bit in attack mode because. it depends what's more important being. able to start living our wants more or. you switching career. Where do you. weigh? There is no wrong answer. It is. up to you at this point. What's what's. takes priority?

>> Do you know? Maybe you don't know. Okay. Well, have conversations with each. other, conversations with yourself, maybe even take some career assessments. online. After you can answer that. question, then determine what you're. doing. >> You know, you don't have to go full. >> chaos, you know, shooting from the hip endlessly to pay. all this off if we want to start living. fun after emergency fund, which you can, but if we want to switch careers, then. we need to tackle the risk. So, so the. only thing too is that we're not going. to do it anytime soon, but we do like a.

house that's three times the amount of. the house that we have right now. >> Well, that's okay as well. I would again. >> because monthly if we were where we are. at monthly, we would be able to afford. it, but I know we shouldn't. >> Well, listen, you need to answer again. House or job. What's more important? >> I don't want to be at my job anymore. >> Well, there we go. So, that wins. So, the house thing works. But let's get. into the new career field which requires. us to get rid of the risk. So risk done,

new career field and then we shop new. house based on whatever our finances, our household income looks like with the. new job. >> which should be the 50 30 20 with the. new house. >> too. Yeah. Well, yeah, cuz it shouldn't. be 50% mortgage, right? That needs is. needs. It's everything. It's food on the. table. It's utilities. It's. insuranceances. It's, you know, school. activities. It's whatever you know. >> that is needs. Mhm. >> So. >> that makes sense. Yeah. Like dayto-day. >> Mhm. >> So fully funed emergency fund, tackle.

these debts outside of the mortgage. >> and then career change. >> Career change and then shopping for. house based on that. >> See where you at after all that's done. >> Okay. >> Punch those numbers. >> Yeah. >> But you guys are in a much better place. and you guys are starting to conquer the. fun things now. >> The fun things. Having the ability to. change a career if we don't like it. >> Yes. >> Going on a European trip if we want to. >> Okay. Yep. >> Putting our face in a big pair of tits. at the strip club. >> Got it. >> With lots of ones. You both can do it at. the same time. Share the same pair.

>> Yeah, >> that makes sense. >> This is This is the good part, guys. And. you guys have done incredible. >> Those are our biggest questions that we. had. >> Yeah, >> you guys are doing incredible. Any other. questions now that we have the full. picture? >> Those are the main ones for us that I. noticed. >> Yes, it's right here. >> Mhm. So, the funeral plot that wasn't in our. original debt, >> they said that if we pay it by December, >> how much? >> Well, it's 4,000. So, then we'll save. 2,000. You want to, right? >> I think we should cuz 2,000, right? You.

can do it. >> So, if we if we pay that off first and. then. >> that delays the emergency fund thing. just slightly, but it's okay. >> Just do it. >> Yeah. It'll save 155 a month, too, though. >> You're just putting that in the steps. and I'm okay with it. >> Okay. So then funeral plot, credit cards, or no, the three months of. an emergency fund. So that's about. 12,000. >> Yeah. >> Well, we have three right now. >> Yeah. So stack into the six. Yeah. >> And then we do car minimums, credit card. minimums, or we could pay them off. >> We'll pay them off if you're doing the.

career change. You can do minimum. >> We do the career change. Okay. >> Yeah. >> So if you stay longer, dug it out. >> If you want to get rid of them cuz. you're doing the career change now. >> Yeah. I don't want to stay. >> Well, there we go. Then we're killing. our debt outside of the market. >> He burned them out. He burnt through. them then. >> Okay. which you guys should be able to. pretty relatively quickly honestly. >> All right. Do we agree on these steps? >> Yes, I do. Thank you for your help. >> Absolutely. Guys, I am so proud of you. guys. Audience, give them love in the. comment. They deserve it. Uh you guys. have done incredible. >> Well done all around. >> Very good. Actually, let's let's get.

your current score. >> Let's see where we stand. So, we were. one first time spending in a budget. >> We were five. >> I don't remember. >> You were definitely spending within your. budget. We need that fully funed. emergency fund. So, a little bit of BS. Well, we don't have it. It's not the. best, but it's okay with what you guys. have doing. Giving you a 7 out of 10. spending within the budget. Uh, debt. The debt is not that horrendous anymore. We've gotten to a halfway decent debt. spot of I'd say about a five out of 10. Emergency fund. Well, we're halfway.

there. Five out of 10. Retirement. Well, you said it was 25 total. >> 25. Yeah. And he has a two for one match. in a couple years. >> That's good. Um. definitely. behind there at about a two out of 10. though for age then real estate. Yeah. I. mean the h the house situation's great. Um. >> yeah house situations. and there's a mortgage technically. that's risk but eight out of 10. It's a.

good one. Let's see where we are today. >> Yeah I we we're rounded up even further. It's going to be a hammer financial. source 6 out of 10. Once that emergency. fund's there, that immediately adds. five. I mean, that's incredible. Um cuz. that's kind of what's holding you back. there. It's emergency fund in. retirement. And once those debts are. gone outside of your mortgage, that. score is going to go up, too. And you're. spending the like this. It takes a few. months of change before this goes from a. 6 out of 10 to an 8 out of 10. >> Yep. >> Just a couple couple tweaks. >> Yeah, we'll get there. Couple.

>> minor tweaks. >> Get yours at caleb.com and give them. some love in the comments, ladies and. gentlemen. Big round of applause for all the guests. who gave their updates and for all those. who have paid off over $20,000 in just a. year. It is awesome. It is incredible. You can come on in 2026. Listen, we. already got video scheduled almost. through the entire first month of 2026. Some of the craziest you've ever. heard of. In fact, when I am filming. this right now, the episode I filmed.

right before this was one of the most. dramatic episodes I've ever filmed where. I'm pretty sure I ended a relationship. Wasn't my fault. He had secret. purchases. You'll see it. But stick. around. It's a great show and I'm very. thankful for your support. We couldn't. do it without you. Couldn't do it. without my team and couldn't do it. without the guests who come on this. show. See you in 2026. >> Who's your least favorite guest? Oh yeah, it was. >> my least favorite person that I've. worked with ever.

>> Least favorite of the year. >> Oh, I know who it is for you. >> Who is it? >> Oh, that was. >> She was so annoyed. >> You were typing to me how much you hated. [laughter] her. >> Even when I see the Tik Toks till this. day, they enrage me cuz I had to sit. here with them for the 40 minutes they. were here. >> Camera Elite is the best YouTube. membership on the platform and I just. upgraded it. New dedicated premium shows. every single day, Monday through Friday. [music]. Join with the link in the pinned comment. or description below. This is the best.

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