How Is This Possible... | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. So you know, a little like boob job. That would be fun. I mean it would be so Twenty thousand dollars, you're in horrible debt. When you put it out there that you're gonna like set a goal and you're intentional with it, you can put it on your board. Oh Yes, you're bored. I have spending amnesia. What? I don't like to look at my bank account. It could be. How could it be? You're literally dying.

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Hi, I'm Bianca. I'm 38 and I live in Tucson, Arizona, and this is Financial Audit. I usually don't know much about a guest before they come on the show, but I did hear you like the f seventeen year olds. Ugh what? No I don't. Oh, I mean to be fair, I was also seventeen. God was like I thought you meant right. Correction you were eighteen, but not that it matters. Okay. Yeah that's I was like, when did I do that?

The last time I did that on the show, someone got very defensive. So I wanted to see what you did. I was like, what was yeah, thank God that was like twenty years ago. Actually, yes. Well yeah. So okay, wow. So this kid's out of high school. Oh yeah, he has a whole job in Actually, no, you look very good for your age. Okay. Well done. Congratulations. My grandma put me on a skincare routine at like sixteen. That'll do it. And you're Asian or something, so that probably helps. Mexican.

Close enough. So what do you do for a living in Tucson? Here is a horrible place to live, by the way. Horrible place. Horrible, horrible, horrible. Maybe if we send into the dumbest city in the whole country, it'll bring back the old PETA. No, we I A it has really pretty sunsets and we have a mountain. Um uh mountain? Well, a mountain range. There's multiple mountains. Well usually it's rare to have a mountain. I mean we do have A Mountain in the middle of the Okay, what do you do? in the mouth.

Oh you wa like in the mount. Yeah, operations. Very good for like what kind of industry? Healthcare. Right. Okay, great. What do you make? Um Being the height of your career, around forty is peak earning, if I'm not mistaken, so I hope not. Um, but I bring home five thousand a month. Well if that's the height of our earning you certainly. I don't want that to be the height of my earnings. Well just if we're just talking like But like right now. Average person, right?

Okay. No uh no actually no no you're kinda ran on track with like the the median American at that point'cause that's sixty thousand dollars a year net. So not bad. And Tucson is not one of the more expensive cities, if I'm not mistaken. I mean exactly. I know Phoenix is ha you know, definitely goes through its bubbles and waves as a boom town for sure, but Tucson, no one wants to live there because everyone would commit if they did.

But five thousand dollars there okay. How you doing on five thousand dollars in the desert with how many kids? How many seventeen year olds stuck it in you? One, four times. Well, more than four, but four took. Yeah. Good for him. Yeah. Okay. But one is already moved out, so he doesn't live with me. Wait what are the ages of these children? Um nineteen, seventeen, thirteen, and eleven. Okay. It's honestly rare that I have someone that has kids that are Actual and like adult territory.

I know it's weird for the Do they think about mother coming on financial audit? I haven't told anyone. What are they going to think when they see mother on financial? I did tell my seventeen year old he's very excited for I don't know. But we he knows I listen to you on the car rides and they get so annoyed and they're like, Do we have to listen to this? But I said I'm going on your show.

What the fuck is wrong with you, 17-year-old piece of shit? Go s go stick it in an adult like your dad did, 17-year-old freak. Yeah, when my kid turned eighteen he's like, You could be a grandma and I'm like, Oh my god, I could be a grandma right now.

Yeah, I mean they are in those ages. Okay, so what's what what's going on? What's going on? You're certainly for a operations manager, which sounds like a little bit more where you are, it ranges from sixty thousand to over a hundred thousand hours a year. Yeah, see not yet.

Tucson, um, which averages landing between seventy, which is closer to where you are. You're about seventy five, seventy to ninety thousand dollars a year. So you're in that like, yeah, you're in that middle range. Okay. And top earners usually a hundred to a hundred twenty thousand dollars a year. So you're in that average for sure.

Okay, so again, how you doing? Because this yeah, it's a lot of kids. Are we taking care of college now? That's you that's a conversation we usually don't get to have on the show. What's going on? Yeah, so I actually my second son's about to go into college and I want to pay for his college. Walt, you're f how are you gonna do that? I know. You don't get to come on the show unless you're f that's how it is. I know but he deserves it, so I'll figure it out.

On what is the deserve? I don't know about desserved. He does. Okay, fine. I'm not a grandma by now. That's a good Nineteen year old now? He is a good kid too. No. No, of course not. No, no, no. No, no. I mean honestly if he I told him if he wanted to go back to school What's he doing? He's a plumber. Oh, plumbers will make a lot of money and I don't really see that being replaced by AI. Yeah. So He's gotten three raises in the year that he's been there.

With the seventeen year old, is he gonna go into community college or are you gonna be enabling like an art degree at a four-year institution? She's his first. To HVAC. I feel like Yeah. Real Mexicans, we like that. Okay. Yeah. Yeah, okay. Full sombrero DNA, we love it. We support.

So why are you here then? What are we talking about? So I want to pay off the debt that I have now because I want new debt. Like I want to pay for other stuff. Yeah. No, I already have a mortgage, but I wanna redo my backyard. But that's gonna be like fifty thousand dollars. So I need to pay off all this. It doesn't matter. I live there. I live there. It's worth it. Dirt. How much does dirt cost? Fifty thousand? No no, I concrete I wanna redo my whole entire backyard.

You want concrete. You want your yard to be concrete. I guess that's better than the rest of the I want it stamped to look like slate. Okay, so it looks yeah, you know. So I have a wood fence right now, and I want to replace the wood fence. I know, right? So I want to replace the wood fence. With what? With a brick, no, a brick bar with the indoor lights. Like the lights are on the brick. So they're like shutting out. What's even value that's fifty thousand hour yards?

Listen, it doesn't matter the value of my house. Forever? Yes. I want to live there forever. What's the point of moving? I don't like moving. Yeah. I can't do that. Mm-hmm. So anyways, I want it to be like all slate with a fire pit pit and a gazebo and a she shed. It doesn't matter. I live there. Like I live there and I'm not gonna ever move. So I might as well have what I want. Because I live. Usually what most people want is to not be in Tucson.

I know, but I can't Okay, so fifty thousand hour yard is what I'm I guess I'm getting you to after paying off debt going into debt for what else? You know, I'm forty, so I could almost forty. So you know, a little like boob job. That would be fun. Boob jobs on this show. What is everyone doing boob jobs? What is that like twenty? It would be so. Fun? Yeah. How are they now? They're not fighting. N they're non existent. Well they're tiny. You're flat.

Then I could have some be like, Do you guys want to see my baby? Who's you guys? Whoever's gonna be able to do it You just go around saying you guys want to see my boobs? Not to random people. Well, first of all, I think honestly, other than like the weird Chronicle on freaks, most people would actually be pleasantly happy with that request. Just saying. So feel free to test that out. Number Number two. So we'll see what happens.

Are you? Married? Okay. Wait, okay. So the seventeen year olds you divorced them? Yeah. Okay. That was my first husband. He has a lot of time on his side. What is it? Yeah, I don't know. Yeah, no. Okay, so you're trying to get some tits so you can get another one? Oh wait, first of all, how many have you had? I have to. I had to. Had to. Okay. Well why'd you break up it was the seventeen year old uh father of Aldi's? Yeah. Why'd you break up with a seventeen year old?

He fell in love with somebody else. Someone or tits? She sheared it. Yeah, that happens. Yeah, I like her. Yeah. Or her tape. You know, I like both her and her. Okay, very good. 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 오 Okay, no, I I had to do the math because I met someone in the green room, someone very hot, by the way. Someone that oh my goodness. But she's your sister-in-law, meaning, okay, yeah, that's your brother. Okay, this is not this is not a new one. Because

I I was married to her brother. But she's my sister because when you get married, then you become then she becomes my sister. So now she's my sister. So your axe is Related to her. Yeah. My ex husband is her brother. Okay. Okay. Okay. Sunny by the way, that lovely person in there. And Uh okay you got with someone else and you and none of these kids are that one? Was that your husband? No. Seventeen? No, he was not seventeen, he was my age.

Right here. Hello. Hammer Elite is free right now, but you gotta submit proof of purchase at HammerElite.com so you can get your$10 digital gift card that comes. I know. Okay. Yeah. Okay. Yeah. Why? What happened? It was just a short, shouldn't have done it and then we did it. Uh I don't know. Why'd you end it? He wasn't great with money. He wasn't like Stupid, what are you talking about? Okay, well he didn't. What are you what are you honored about? I I make enough.

But I I can afford it. I'm not making thirteen dollars an hour. It's not about no it's never about income. It's about your entire financial situation. Okay. How much debt do you have? How much debt do you have? Oh including the house. What is that? Um I forgot what I bought my house for. Far, how much debt do you have not including your debt? Not including your house, how much debt can you? Okay, okay. I'm gonna say twenty thousand. Okay. Yep, you're broken. Thirty seven thousand. Oh, okay.

Hmm. So he's bad with finances and that's the reason you broke up. No, no, no, no. Including a mortgage that you want to add an additional fifty to for a yard, for dirt, for shit. So you can look at the map. So I don't have so I don't have to clean my arm. Entire thing's gonna be concrete? Yeah. I don't like yard work. It's dirt. Yeah, but dirt grows weeds and then you have to clean it. I have a giant mushroom.

So what did you learn from the second husband before you get our th your third? If you have doubts, don't get married. I did. Okay. And how long did that last? Like a a year. Yeah. And why'd you end it? It just wasn't working. Okay. And how long ago was that? Like two years ago, I think. Okay. Yeah, I'm sure. So we're trying to get new tits so we can get a third. But to be fair, I have wanted tits since I was born. Like since I was like a teenager. Oh stranger, okay.

Since I was like a teenager, I'd wanted them. Okay. Why haven't you? You've prioritized obviously other things including a J C Penny card. So it's like you could have done this. No, you've been bullshitting your entire way to here. You could be in fake tit territory. Why aren't you? You could have them right now. Those things could be hanging on the desk, landing flat. We've had them. We've had people come on and just flop them out. That could have been you. What have you been doing?

Going on vacation. That's more important than tits? Ja. Okay. Sure. If it is, but listen, you've been going into debt for it. It's more important than your art. It's more important than paying for your kids' school. How are you paying for college?

How are you paying for college for the 17-year-old? How are you paying for college for the 13-year-old in a few years? How are you paying for college for the 11-year-old in a half a decade or so? A little more than that. But even still, how are you doing all that if you have thirty-seven thousand dollars in bad debt outside of your mortgage? fifty thousand dollars of future debt for dirt, and then twenty thousand dollars of future debt for tits, which by the way But listen, if I

They don't even feel good anyway. So it's like others won't be appreciated. Well, actually Brandon would appreciate them. Some people like them fake. I don't understand it. I I'll never understand it. They just it's all it's not right. It doesn't work. I'll figure it out. It just happens. Oh that's Yeah, it will happen. That's our entire argument. Yeah. でも Listen, no, I'll I'll lock in and I'll pay off all

Why haven't you locked in? You're almost 40. Lock the f in. What's wrong with you? Lock in. What are you talking about? You're gonna die. Double your lifetime. What are you talking about? You just have to go on vacation. No. Like mental health vacation. It's a whole thing. Mental health vacation doesn't have to mean actually going wherever. Mental health vacation could be literally just going on a walk around the block. It's not on a flight, it's not a vacation.

What, road trips or not vacations? No, I cannot do a road trip. Well you cannot, but people do road trips. People do road trips. No. For what? No. To go for the floor. No. Okay, yeah, sure. Fly there, but also that's just not true. Vacation, like you're going to a vacation destination. That the that's not the definition of a vacation, necessarily. I don't know. I feel like I feel I feel like I could probably once a quarter have a nice vacation. Oh my god. How no, you're you're on horrible death.

And you want to do fifty thousand dollars plus twenty If I pay off my debt, then I'll be able to afford it. The math will math. Yeah, but how can you do that if you're gonna do a fifty thousand hour yard and then twenty for tits? Which is more debt than you have now outside of your mortgage. Maybe More than doubling your debt. Yeah, but see this is manageable debt right now. So then once it's paid.

Manageable, then why are you even the f here? Why if it's manageable and you're able to just lock in as you say, if it's manageable and you're able to just lock in as you say, why is the debt even here? You would pay it off if it's manageable and you can just lock in. The f are you talking about managing? Maybe it's not quite managing. And what are you talking about, this lock in? What lock-in? There's no lock in there? No, it will it'll happen.

What have you ever locked in in your life? Where's your lock in? The only locked in you did is when you saw a 17 year old across the room and you're like, He was walking on the side of the road. Thank you very much. That's a good place to pick up a minor. I was one too. It's not like it was wild. Eighteen. It happens. I really don't care about that. I'm obviously just joking about that. Twitter, TikTok might but Uh don't care about them. They're not real people.

I I saw I saw your face of concern when I said that. Don't worry. They're literally not real people. None of us take them seriously. Don't worry about it.

But obviously I'm gonna joke about it. Okay, but but either way, what's your lock in? I don't see lock in. It will happen. I it will happen. That's not an argument. I mean... Where's your locket? Okay, fine. We know how much came in. About five. How much went out? Lock in queen. Uh I okay here. I have spending amnesia. What? Spending it. You know, you just like swipe the card, tap to pay. Don't know. Don't just I'm in again.

Like seven thousand, I'm gonna guess. Well, no, maybe less. I'm gonna say six. You should have stuck with the original one because it's much closer to that. Six thousand seven hundred fifteen dollars thirty-two cents. Yeah, the payroll that came in was four thousand nine hundred seven dollars eighty-eight cents. What? Listen. Lock in again. What the f are you talking about? Lock in. There's no lock in. I've never No, I did I did buy it.

Once upon a time what? Once upon a time what? You have four kids, look where you've ended up, nothing's working. What are you talking about? And you're gonna pay for their college. Good the flood. I I did. I did lock in one time. When? I think it's a good thing. It does it even matter. Dude, if you were doing perfect now and you're a complete degenerate piece of shit ten years ago, I wouldn't have cared about that. I wouldn't have cared about that.

I don't give a f if you're doing good ten years ago if you're doing a piece of shit now. What do I give a shit? Okay, but tell me about your lock in, sure, lock in. I lived with my dad and I paid off a lot of my You lived in with your dad though, but now you're taking care of your kids. Okay, when was this? I lived with him like two years ago and then I bought my house. Your lock in it was two years ago? I mean I thought maybe this was like a decade of

No no no no I mean it fluctuates, it's up and down. Sometimes I lock in and sometimes I forget to Save ten thousand hours, I'm being told. And then I would have From ten thousand to negative thirty seven. I bought a house. I had to buy things for it. I had nothing. Yeah. What? It was a had to. Okay, what's your had to? I mean, it's like an HVAC system, sure, but what did that You know, like furniture. Oh my god. A table and chair. Tables and chairs.

Did not have to in the moment though if it's gonna put you underwater and put you at risk of foreclosure, put you at risk of not being able to replace a roof, put you at risk of not being able to fix a window if it breaks. That is not a had to.

You cannot buy a house until you at least I would at least five percent. I'd recommend minimum ten, but at least five. I wouldn't get a house. And then also a full six month emergency fund before doing it because people get f when they get into a house that they can't afford. What the f**k are you talking about? I had to do that. That's your lock in? Ja. The best you've ever done by forty is ten thousand hours saved up on the side. That's your argument? Yeah, yeah. You know what?

Is that a good argument? Life happens. What are you talking about? झाल झाल झाल झाल The most you've ever accomplished is ten thousand dollars by forty, and it's gone, you're negative thirty seven. Put it that way. No, well it that's the real way. What what okay, what other way is there to put it? I

So what are you talking about? You can't tell me you locked in then. You've barely accomplished anything ever. And certainly nothing to show for it. I mean a house sure, that's good. If you've only bought it recently. What? An accomplishment. Oh like five years ago. Yeah. Great. I can't. Ended up being done. Yeah. Great. Yeah, that happens. That happened hey, some sometimes

You didn't do anything extra special with that. You just keep making your minimum three payments until it's done. That's what's that that's what happens. Same thing will happen to a credit card if you don't purchase on it in decades. I mean That's fair. Also it was a ten thousand hour car. It's not like it wasn't crazy it wasn't like a c that that's that's like what I would recommend anyway. So Well, I don't... what are you I think I did I think I'm doing okay.

Why? You're one emergency happening to this house away from not being able to take care of your f kids. I it sounds like you have a good dad, but I mean, you're ancient, so he's gonna be he's extra ancient. He's not gonna be around forever.

I'll I'll figure like listen, the new year's coming and then Don't do that. Bullshit. People fall off their New Year's resolutions endlessly. That's not a good argument. It should be taking actions today, even though it's a few days before New Year's. Yeah. That's what I would say. But okay. So what is your current budgeting? What do things look like now? How do you manage your finances now? Um, so I get paid my first paycheck.

And I pay all of my the bills, right? Like electric minimum payments on the credit cards. And then or Pay your minimums out of the gate. Yeah. Manually? They're not automatically taken. So you you get paid and you immediately take care of your manual. Right. Like some of the credit cards that I forget about are set up on the card. What are you talking about?

Yeah, you know I have like sixty dollars on this card and I'm like, Oh yeah, I forgot about that. And so that one is So you do not sit down and actually manage your finances or else you would not forget about it. I forget that I used the card. you sat down and managed your finances, you'd see it that you used the card. I'm c I'm confused. Okay, continue. 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,

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So you're paycheck to paycheck. I if I guess. Yeah. Yes. Well no, because I have extra money saved until I get paid again. Until And then you Like I need the second paycheck. And a little bit of my first paycheck to pay my mortgage. Your entire second paycheck and your a little bit of your first paycheck? Your house? Just in case. It just in case of what? I don't know. Things happen. Like You said for for your payment you need your second check plus a little from your

First. Yeah, because I like there to always be money in my bank account. Like the thousand dollars. I always want there to be Is there always a thousand dollars? Not always. What happens? Why not? I don't know. They just like Tap the card and I'm like, Oh shit. Who taps the car? What the f wait? I do. When you say they, shut the fk up, it's you. Okay, okay. I I tap my card. But after I pay my mortgage, then it's kind of like trying to make it through until I get paid again.

What but no, you always have a thousand hours in your account? No. No, not always. Exactly. So why is it always making it through? Even if it was nine hundred instead of a thousand, that shouldn't be a big struggle to the next few days. Well, because sometimes I well okay, so I I don't like to look at my bank account. It could be. How could it be? You're literally dying.

You just told me you struggled to make it to the next paycheck after your mortgage payment. How can you possibly not look at your checking account? How is that even an option? Because if you don't look it didn't happen. I don't know. I don't know. It's just like it's annoying to look at. Like you know like when you look It's more annoying to look at. All this money and then I'm like me, I'm me, uh me, I spent all the money.

It's more annoying to look in an account than not have money when we're trying to purchase something. It's more annoying to look at her account than not be able to pay for our kids' school. No. Uh-huh. Selfish. Okay, okay. But I mean it is kind of annoying to look in there. No shit. No one likes to actually face their irresponsibility. But if you never do, it'll never be fixed. Never. Not once. And that's why I'm here. I'm here to fix it. Right.

You're here to fix it. Yeah. Well, I'll be honest, yes, I'll set you up with tools, I'll put you through our Master of Money program. You get the premium version of the dollar wise budgeting app. You get a lot of things. Course career certification, fizz card, you name it, you get it. Helium mobile, all the goodies. We get you that. I cannot, after this, actually Hej, det är jag från Riksbyggen här. Har du svårt att fokusera på den här podden? Ya te sometí.

fixas i BRF-styrelsen. Ja, du vet, budgetar som ska hålla. Som ska planeras, energikostnader som sticker i höden och allt däremellan. Hasta for buff. Be next to you every single day and control your spending. I cannot force you to sit down and look at your accounts uncomfortably. I can't force you.

to set up the budget app. I can't force you to take the classes. I can't force you to do any of this. And look what your behavior has led to. You know what you're doing's already wrong or else you wouldn't have applied to be on the show. That's how this works. And yet you're fairly whatsoever spending thousands more than you make on a monthly basis. So what is actually gonna change after this? This is not a magical thing. It was but why? Because I have a goal. Yep. Have you never had a goal?

Well this time I have a real goal. What's your real goal? Why was it fake last time? Your real goal is literally fake tits in a yard. yeah that's what i want That was my first goal. Yeah, but you did it in a horrible way by the way. But it happened. happened and you might be f for it. It sounds like you are because you struggle between your mortgage payment and expage. check. Yeah, but once I pay off my debt, then I won't have that struggle.

How do you pay off your debt if you spend two thousand hours one and then you make it on a monthly basis and you struggle to make it to the next paycheck? You put it out there that you're gonna like set a goal and you're intentional with it. You can put it on your board, you know. Yes, you're bored. Yeah. I will. I you will. Okay, so your entire argument is that you will. Yes. Nothing has ever shown that you have.

But your entire argument is that you will. That's it. Yeah. No indication that that is actually true, but you will. You see why I can't necessarily just believe that and let go of that? That's bullshit. It'll happen. Great. Well, guess what? Your house has gone down ten thousand hours in value since you purchased it. Bye. Because the housing market goes up and down depending. Okay. Especially in a boom state like Arizona. You have a negative equity position.

Lord, I didn't know that. Okay. What percentage did you put down? Uh You don't even know what is wrong with you. Yeah. I don't know. Like five. Well sounds like you didn't think of it. Are you just guessing? Yeah. Yeah. Did you FHA it? Uh Yes. What? Yes, yes. Know what you did? No, I know, I know, I know what I did. We literally have no equity position in this house whatsoever. But it doesn't matter because I'm an Olympic.

He does'cause if you uh enter a situation where sometimes there's a reason that you have to move. That's just something that happens. That that's rare, that's probably not gonna happen, but it might happen. Or two you get. Financially you have nothing in savings, you are f on debt, you get laid off. And we just had a good quarterly uh uh annualized GDP report. But who even knows? The job market's not great. What happens if you get laid off? What degree do you have? I'm screwed if I get laid off.

Exactly. What degree do you have? Um I actually didn't finish my degree. Oh. Okay. What did you go to school for? Business management. Yeah. And accounting. Uh huh, great. Yeah. It's just like one. Every f time. I know. So what happens if you get laid off? You can't afford this mortgage, so you need to emergency sell it, and then what do you do? You have to write a check to close. Ready to check just to close your own f house because you have a negative equity position.

Yeah, that would really suck. Yes. This is the position you've got. Put yourself in. That's why I'm not letting you just the I'll figure it out or it'll work. Because that is not an answer. You are in a position where not just you, but three of your kids. Aren't in a beyond risky position and there's not a dual income situation here. Yeah. I'm not trying to get the fakies to get them. There's not No, I don't want that. I don't want someone to move in with me. Really?

I wouldn't say single, but they don't have to live with me. You're never gonna live with a guy. There's not room in my closet for a guy's in his tub. There's not room in my house for one. And this is your forever home. Mm-hmm. Okay. I don't want to make room for someone.

You know, I thought you owned because you're old, I thought maybe you've owned this house forever, for a long time. So I was like, Okay, maybe it actually is a dream house. You've been in for a year, you don't know this is your dream house. Yeah, I do. It's really cute. Yeah. I looked at it right now, it's fine. Yeah, it's cute. It's tiled throughout the yeah. Even better. Yeah, ten years ago. It's cute. Concrete is not in, lady.

It's in for me. It's easy to clean. And my electric bill is very easy to easily clean. Uh well yeah, it's a tiny ass house and it's literally there's one little micro bush in the yard. The rest of it is just dirt. It is single story. It is Yeah. But if I redo the backyard. Yeah. With a patch of turf, small patch. It's dirt, dirt, dirt. This is what a miserable, miserable place. Yeah, I hate it. I don't even know. But I don't even know.

Look, there's a dog tied to our other dog. Um, okay, the house is a very normal house, so I don't see how Dream House is attached to this. Because it's mine. That's why. Yeah, but your next house would be yours too. And people always move on. I don't think okay. Okay. Very good. Yeah. To be clear, you have a neg negative equity position in this house and you want to invest fifty thousand dollars into the backyard. Basically, yeah. Maybe it doesn't have to be fibe it could be class.

You're you're you're broken. You're broken. What do you think your financial score is? Zero to ten, zero being the worst, ten being the best. I'll be generous and say it too. Why be generous? I don't know, because why not? Maybe I'm like a one point five.

Full. All right. If you want to figure out what your financial score is, take the assessment. It is free at calebhammer.com. Just takes a few minutes. See where you stand in the world of money, where you need to improve, where you're already doing great. Just check it out. And if you don't want to be like a guest who ends up in the show, download the dollar-wise budgeting app. New features being added every single month. Actually, by the time you're seeing this,

a big, big refresh and update may have just gone live or is going live very soon. And if you sign up for the annual version, like most people do, tens of thousands of active users is for a reason Yeah, get my budget-friendly cookbook signed by me, mailed directly to you. Only available through the end of March, and then it is gone forever.

All right, it is time to jump into these finances. Okay. Okay, well this isn't a big balance actually. So I don't know what okay, so Southwest, 75 bucks. Uh-huh. Um, so here's what happens. I paid off that card. Are you f What? Yeah, seventy five. That's not hard to pay off. And then what? What lady? It's like thirty five hundred right now. That's real locked in of you, you dumb c It's not my it's not my fault. Come on, nothing is ever your fault. And every time I have a guest on the show

It is never your fault. Why is it not your fault? Maybe it isn't for the first time ever in this show's history. Okay, so my sister and her husband really want to show you. No, my other one. I know. Um, she really they wanted to go on vacation. Um Sounds like an emergency. Yeah, so they invited me and another friend to go. Yeah. And they they don't have a credit card with enough like they just didn't have credit cards at all. We will emergency! I'm freaking out!

So they asked if I can put it on my card. Fucking dumbass. And they would pay me back. Dumb ass. First of all. Yeah. They're not paying for the entire vacation, including your part. So you would still part of your part on You dumb tit. So this is not first of all, it is your fault'cause one, you agreed to it. Two, you were going there. So part of your stuff would be on this card regardless of f you mean locked in. Shut the f up, not your fault. This is your fault. Shut up.

California. It'll be okay. Actually I don't really understand why we're we're going to we're going to some c You haven't even gone yet. Yeah. I'll die. Yeah. We're going in September. What's wrong with you? Reviewing the American economy, but what is wrong with you? If it wasn't for dumbasses like you, who knows what would we would No no no. They'll pay me back and everything will be. I m hopefully. I hope. How much do they owe of the thirty five?

Um well my part was My part was like eight hundred, so the leftover Okay. So it is your fault you dumped tech'cause you still have eight hundred from zero on here. Pull it up. Pull it up you f wrong with you. I just don't get it. Literally seventy five dollars. I was so f It'll be fine. It is not a valid argument. Oh, and I might have accidentally put some stuff from Christmas on there too. Uh huh, and that's why I had you pull up the card, you dumb f She's still letting it out. It's okay.

PlayStation Movie Theater. Let me start a screen recording. So I think you got like a water this morning. You got some bowl. Oh, that's the hotel. Yeah. Yeah. You know where they like hold your incidental. Okay. PlayStation. And it's Chris. I think gas shut die. Movie theater, yeah, expensive for that many people. Food city, Rose Garden, Diller! Oh yeah, yeah. Expedia probably to come here, maybe. I don't know. Yes. Yeah. Southwest Airlines.

Speed up dumbassy bullshit American American American American American American American American American trip Uh Two hundred thirty-five DOW! What is wrong with you? F you not your fault. You not your fault. Yeah, laugh about it. Cope laugh away. It's the only way you're gonna make it through this. Yeah. Good the fluck. Good the flock what is wrong with you?$3,503 and 95 cents. What is wrong with you? What is wrong with you? What's your normal minimum depayment, you f- Mm.

I don't know, like seventy five dollars. Don't even trust you, but seventy five dollars. I'm sure it's at like a thirty percent interest rate of stupidity and death and dumbassery. Tchau! Could your sister not pay for it, huh? Because that scares me because how are they gonna pay you back if they can't pay for it themselves? It's because they had like filed for bankruptcy, so they didn't have any of their Filed for bankruptcy yet you're doing all of this?

Oh, why can we not learn from other people instead of having to you have to learn it through your own three? What's wrong with you? If you don't get punished, if you don't go through it yourself, you can't learn from it. You just saw what your sister went through with bankruptcy and yet you're doing this yourself. Hers was way worse though. Pour now you No, this is it. This is the limit of how high they are.

No, no, because listen, when you said in your statements, and what I thought was 75 dollars, you fracked it up to 35. So shut up. This is the worst you that is not how. This this is the worst. Like pure curry. That is not how this works.

It'll be fine. Since you said in your documents since well after your first or second call to the application process. Then the tickets went on sale and you had to have the money for The tickets went on sale. You had to have the money there to buy them. Doesn't matter. Listen to your logic. Listen to your excuses. Listen to your coping. That is why this will not be the worst cause there will always be something to make excuses and cope and dumb mastery about. Yep Uh-huh. What? What?

What do you want? What? Honestly, uh um a budget, right? But can we add in like vacation? You have kids, you selfish b what is wrong with you? Seriously, what is wrong with you? That is so selfish and disgusting of you. You have children, you've promised to pay for their college. I don't know how that's gonna happen. You're gonna take out student parent plus loan. Yeah. That's more cats! No, no, it'll it'll even out because I'll pay off I'll pay off this one.

Because your debt's worse than I even had. Okay, so now it's what is it? Like closer to But it's like forty two now. And you're about to go again fifty for the f dirt. No no I won't for the parent. I won't. Money for the titties. I won't do any of that until this is paid off. No, you don't understand what I am saying. You actual, I'm sorry, dumb. Listen, listen. Twenty for student, twenty for tet.

Got there! You figured it out, accounting. Well, you didn't get the degree, I guess. But neither did I, so. Okay, you know what? Fine. You've convinced me maybe. I'll do like thirty on the backyard. You're literally Mexican do it yourself. I can't do it myself. Really? It runs through your DNA. I can't do it myself. I'm a pussy. I have no manual labor skill. I don't like manual. I'm tired. I don't want to even want to do my yard. It takes like two hours every month. I gotta work on my yard.

It's an asshole. I was not born for this. racist right now. Let me be racist. 'Cause I don't yeah, I was not born for that. Or I could find someone who could do it for me. Yeah, and other Mexican. I'm sure there's a lot in Tucson. Huh? Someone like who will do it at a very low price'cause I'm cute. You haven't gotten them yet. They're not there. There's nothing for you to show yet. You can't like My personality gets me kind of far sometimes, depending where we are at the moment.

Yeah. Listen, I'm a great wife, bad picker of husbands. Never your fault, huh? No, I said I picked him bad. A great wife. I'm sure you were perfect. I'm sure some people could argue their points. Mm-hmm. Two late fees this year so far. Oh yeah. See sometimes I've I forget. What is wrong with you? So sometimes I'm really good at my budget. I put it in my phone when the due days are It doesn't matter if it's sometimes I'll just interrupt you. I'll just interrupt you. Sometimes I forget.

A budget doesn't matter if it's only sometimes. Uh it just doesn't. When it happens, it's great. Uh but it doesn't matter because you f yourself in the next month, in the previous month. Yeah, I it's just sometimes I do really great and then sometimes it falls off the wagon. Just'cause you get no dick doesn't mean you need to f yourself to feel something. Ha ha But that's what you're doing every other month at a minimum. A budget is not working if you only sometimes follow it. Okay, okay.

But from now on I'll That's not an argument. I can't listen to that. I can't listen to that. Just stop saying that. Cause that is a pointless thing to stop. Cause you know what that is? That is a brushing criticism to the side. That's all that is. That is an answer because you don't want the pushback anymore, but it's not an answer that anyone can listen to, including yourself. Okay. I will believe it if and when you do it and I can see it. Until then.

You cannot just say, I'll do it'cause that is not anything. Some of them I have paid off. What? Some things I have paid off. This went from$75 to$3,503. It's Shut the f**k up. Oh okay. You're already talking about going into over a hundred thousand hours of debt. But I won't do it. I won't do it until it's spinach. No, I'm the an additional debt you Yeah, Google your way through that. It's the only way you're gonna survive.

I didn't say it was in addition to this, which by the way, you're never going to pay this off based on your behavior.$2,000 more on a monthly basis spent. Good luck. Number One YouTube membership just got upgraded. And for this month only. For free. See exclusive. Every day, Monday through Saturday. Financial. Shows exclusive and uncensored financial audit episode. Obviously your your time's a hundred percent, but Including fan favorites. I'm seeing a therapist now. Wait. Продолжение следует...

Or romantically. Yeah. like that. Like he is a next level. Hammer it out. Put discipline into your botcha. That's what I was about. On January thirty first. No other channel off. Hammer Elite provides the first time. Join with the link in the Or description below. Submit proof of purchase at HammerEle.com and we'll reimburse you for your first month. Digital gift card that can be spent anywhere in most countries. Sorry, North Korea.

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But see when I do my budget, right, I know there is extra money there. Sometimes. But where is it? What? Yeah. You know, like okay, I bring in five thousand, my mortgage is two, my bills are a thousand, so then the rest of it, I don't know. So if I can figure out where the rest of it is. That's what doing a budget is for. You should be able to see it. You moron. All right, please go through Master Your Money. Listen. Okay.

Listen, tens of thousands of people have taken our classes. Just do it. You guys can sign up for Master Money. Join the community. It's incredible. Check that out. Calebhammer.com. But also just like what are you doing? You actually have to take it. I can't just hold your hand through it. I can't force you to do it. You have to do that on your own. And I can't listen to someone who just says, I'll do it. Show it, prove it, come back. Okay, okay.

Yeah, late fees like crazy. Now that 35,000, 3500 is at a 27% interest rate of death. Oh my god Sorry. Do you smoke? No. Mm mm. Because every single person do you vape? No. Yeah, see, all natural. All natural bad behavior. City Strava, what's going on? Strata. Um mum mum Yeah, that's that's big. Wow. I don't know. I just use that one when I'm like, oh, I, you know, need to spend money. But I don't want Need.

Actually if you learn the difference between needs and wants, maybe that would actually be beneficial to you and you wouldn't be f in every way whatsoever. So the card needs to be swiped, but I don't want it to come out of my bank account, so it goes there. And how's that penny fitting you? You know, that also means it's this money you don't have. If you can't afford to put it on your checking account, it means you can't afford to put it on a credit card.

I can't. I mean you told me that after your mortgage payment you struggled to to see if you can even have enough money to make it to the next paycheck. So what the f so it's not just you don't want an interchecking account, you can't.

Yeah. But regardless. Yeah, no shit,'cause it's four hundred and sixteen dollars and eighty three cents spent last month after only making the minimum three payment. Well,$125 and 43 cents of interest accrued. So th this went up by three hundred dollars essentially. What is wrong with you? What is wrong with you? Why are you spending so much on a card that you cannot pay off that is accruing so much in interest? Yeah. Why? Mm. Things have to get paid. Have to. Have to. Have to.

Strongly. Going to California have to. No shit, but you're saying have to. Okay. Also you'll spend more money when you're there. So I'd cancel it anyway. But sixteen years. Sixteen years to pay this off. If you do not purchase. Which you're incapable of. And if you make m and if you only make your minimum payments, which so far, at least that's what you did. But we already know from the last credit card you missed two this year. Let's see from this card.

Uh from this card, okay, you didn't miss any this year, but you've had almost a thousand hours in interest. By year's end, it'll be a thousand hours in interest. Uh yeah, that's a lot. Yeah, that's a lot. So that's the consequences of oh, we can't put on our checking account right now. Thousand dollars gone, ripped from you, stolen, gone. Yeah. They knew lower the interest rates. Huh? They should uh lower the interest rate.

They have with the Fed. Following the Fed. It was likely closer to thirty. Now it's closer to twenty seven. But even still it's you're not gonna get a good rate on this card. I know.

Here's our needs. Salad and go. Oh yeah. Gotta eat dinner. They no, I I cook when they're there and then I forget to cook when I don't have a So you'll notice that's a good thing. How do you forget everything? You forget your budget, you forget your bills, you forget your cards, you forget to cook? Why are you capable? I don't forget to cook, I just really don't want to.

Okay, want. There you go. You don't want to. This is an want. Not a need. I don't want to hear it. Okay? Creations mall. Going in and getting some bullshit. Roadhouse roadies, Roadhouse Roadies, Roadhouse Roadies. Chick-fil-A. Chick-fil-A. Those are our needs. Yeah. Yes, once. Yeah. I you know, I it doesn't seem like that much at the time. Like they're like ten dollars, twelve dollars, and then boom, it's five. Yes, that is what happens. Yeah. Why can't you cook for yourself?

I can I just don't want to. I'm tired. Tired meal prep. That's what meal prepping's for. You cook a couple times a week and you warm shit up. Welcome to meal prep and use our cookbook, use the meal plan in the budget class. Well, that's, it's so, it's...

Is it the most pleasant? Is it always the best? No, but you're sacrificing for this better life that you're trying to get to. That's the whole point. That's why we do it temporarily. And if you know that you do not like to cook when the kids are not there. Then there you go. You found your you found your solution, meal prepping. Yeah, but sometimes I I don't know, you like forget to mill prep. You know, I try to.

Forget again? What is wrong with you and forgetting? Everything is forgetting. Are you capable of anything? Yeah. What is wrong with you? Yes. Well, you don't forget when your kids are there. Right. So you shouldn't be you should be able to replicate that when they're not there. What? I don't know. I just don't I why? Why what? I don't know. I don't wanna I don't want to meal prep on Sunday. I just wanna do nothing. And then that means you also have to do it like on Wednesday or Thursday.

Listen, I'm not saying you can't go out to eat at all, but the the fact is you're spending all this money that you do not have while you have bad debt, while spending two thousand dollars more than you make on a monthly basis, while not having enough money to make it from your mortgage payment to your next whatever by paycheck. Like it's this Eating out doesn't fit in there. Also you're trying to get fake tits to improve your looks yet you go and you get fast food.

Salad and go is healthy for you, and so is Chick-fil-A because I guess. Sure, but you're already dangling. Like if you wanna give make tits to like Bring in the dick, you know? Lose this. I gotta do it too. That's why I can say it. We can touch we can touch danglies if you want. That could be genetic too, by the way. Okay. Yeah, but you can also like

Probably cheaper than fake tests. But either way, it doesn't matter. I'm not like ribbing on you for it. But if if all our money's going to attract penis. What? You just said you want to go around and be like, hey, I want to see my tits to everyone? That's what you said. You said. But I like them too. Yeah, I'd hope it's also for you and not just other people. That'd be really sad if it was just for you.

Yeah, I want Sure. But you seem to want Chick-fil-A and salad to go and roadhouse roadies more. Yeah, that was just a movie. I think that was just a movie. Yeah, three times. Oh, maybe that was drink. Okay, okay. It's a bar, dude. Bar ya, Tet. What is wrong with you? Sabar. You try so you're trying to get laid. You going out there drinking it up? No. I mean yes, I like to drink, but I don't not at people at Roadie's. I don't. No. Dude, get on the problem before you know.

You're already in the desert. I mean you've said it's Tucson, I don't know. No, but you're already in the desert. You're gonna be drier. Or might not be technically single, you know? Does it impact you? But I just don't want I just don't the dating scene in Tucson is not not it. So I'm thinking maybe outside of Tucson, you know. But that's later. That's later. That's next chapter.

Hammer Elite is free right now, but you gotta submit proof of purchase at hammerelite.com so you can get your ten dollar digital gift card that covers it.

Next chapter. When's next chapter? Yeah, but your next chapter's going into a hundred thousand hours of debt for your next chapter. So what what are you talking about? I hope you won't. Ja. Uh I would be walking away learning something, but we'll see. Oh well you hooked up with someone in Vegas and being told. That was fun. Well there you go. Celeby. Huh? It happened. Yeah, it just it just you know, it was what it was. I actually

No. No, it was right before we waste it. That'd be fun. Yes, no. I don't think that would be fun actually. How'd you find this guy? He was a friend of a friend. Oh, that gets messy. See, that's why randos are better. It got a little messy but that's okay. It was what it was. Um, you know, like when you're in the friend group then you don't realize like someone likes him and then, you know, you got feelings hurt. And he made a move on you? And you made a move on him. No, he made a move on me.

Yeah, guys wanna find it. No, I don't know. I don't know. It just happened. Like I literally told myself like he's not coming inside. And then he came inside and I was like, well fuck it. What? Bro, what are you talking about man? Wait, whoa, wait, what? Whoa, whoa, repeat that I was reading something. He said please you said please do not come inside of me.

No, no, no, no, no. No, no, no, no, no. No, when he cause I needed a ride home. Uh-huh. Right. And on the drive home, I'm like, he, I was telling myself, he's not coming inside. Right. He's not. He's not gonna inside my house. Inside my house. Oh. Inside of my house. Hold on. Okay. Like we are not hooking up. I'm not gonna hook up with someone I just met today. Okay. Right. That's not gonna happen.

And then we're on the front porch and it happened. Not on the front porch, but we were on the front. Girl, you gotta use your words, dude. And I was like You know what, it really has been a minute, like why not yell at There's nothing wrong with having sex. Yeah, I know. But Messi and Friends. Oh no. I didn't know until the next day, so I I didn't know that my other friends are not a good idea. No, I didn't know that my other friends liked him until the next day.

Oh f I didn't even know that. What the f you just shouldn't be having sex with friends. I mean that's just a good general rule to follow And now we're now we're not friends and it's okay. Well because of this probably. Yeah. Yes. Yes, I'm pretty yes, yes. Yes! Pretty. Yes. Hold on, you just ca you were walking it back for a second. No, no, yes. Okay. Last ten minutes of this conversation was for you, uh kiddos out there watching your mom. Yeah.

No way they're not gonna watch this. Your older kids. Her mom on like the top 10 podcasts on the internet. There's no way they're not watching this. We'll see what happens. Millions of people are learning that you don't even know if your friend wore a condom. I love by the way. I love that. What a what a show. Doesn't happen very often. Why?

Make them wear a condom, take some dick, dude. Yeah. Listen, if maybe if you were more focused on taking dick, you wouldn't be going out and blowing all your money on bullshit. The hard part though is like I can't just do random hookups. Like I don't know you. You can't let a stranger into my house. And I am not going to a stranger's house. So what do you do?

That's it. No, you meet at a bar first and then you okay. But like you've just met them. You're gonna let some random person in the middle of the case. American furniture. Great. Okay. So I thought the ten thousand went to uh uh furniture, but look we're getting furniture cards, so it was more than that, huh? I had nothing. I had no furniture, no nothing. And so I needed to. Oh why? How did you not have furniture in your other place that you came from?

Because Yeah, but you've probably still had some. With your dad since forever? Uh yeah. So when I okay, so I when I was still married we had my apartment. And then we moved into right before we separated, like a few weeks before we separated, we moved into his brother's house that was already furnished. So I didn't take any of my stuff, like any of my furniture. I like gave it all away. Okay. And then when I left, I just

This is interest free for now with a seventy three dollars sixty eight cent minimum three payment. I think it's interest free. We'll see. You make your minimum three payments only. It takes five years the the way you're going if you don't purchase, by the way. I actually need to pay that off like ASAP.

I was having a feeling, but we'll probably get to that in the next page. Balance$1,900 and six cents. Yeah. Okay, please don't be deferred. Let's see. Lots of fees this year so far, by the way. Why? 111 hours of fees. I don't know if those delay fees or what. Oh yeah, they might be. Hundreds of dollars. Hundreds of dollars in the furniture. Oh! Yeah. Like a colour. Months. Yeah, yeah, yeah, yeah. No, yeah, yeah. Yeah. I might have to. Yeah. Mm-hmm.

Why did you st so did you have to make It's because I had another card that had differed interests that needed to get paid off first. So I put all my payments on there. Okay. You have to pay a thousand dollars a month to pay this off in time. You spend two thousand more than you make, good the f But if I don't spend the money more than I make, the money will be

Sure, if you don't do this hypothetical thing that you've been incapable of, then it works. Shut the f up. That's not how this works. Like, sure, I hope you implement correct behavior from here. Nothing is suggested that you would do you would do so. Yeah, I don't know what to do on that one. Oh, a thousand dollars a month for the next two months or else Hundreds being added and interesting. Yeah, yeah, yeah. Oh I know, I know.

Oh at 15.8%. What is this twelve thousand three hundred thirty dollars and fifty nine cents? That is a massive balance of Okay. So... Oh Once upon a time I had credit card debt. Please don't tell me you consolidated. Consolidation is not a bad thing. I wanna be clear personal loans are not bad, student loans are not bad, consolidations are not bad, bankruptcy. But I can get it as a last resort. I th I was I know. Yeah.

Yeah. But that one is fifteen percent compared like my logic was Because you have racked up your credit cards again. But when that thing is. Yeah, but when that's done paid off, then I don't have that payment anymore. When the debt is done paid off, you don't have the payment. Like it's a monthly payment for like five years or three years. Yes, that is how a debt works. Once it is paid off, you do not have a payment. Yeah. Did you just did you seriously just tell me that?

Yeah. My goodness woman. All of that. Those are the dumb ones that have the most amount of children. What is happening? Huh? But listen, when that has like a set time to be paid off. Are you sure we can't send you back to school with the eleven year old?

When the debt is paid off, there's no more payments. Yes. That's what happens. That's what happens. I get it. With the minimum yes, the minimum to payments. Same with the car that you paid off. Same with the credit cards. When it is done, it's done. Yeah. What are you saying then? Is there something else you're trying to say that maybe I'm not picking up? Maybe I'm the here. Let's find out. Well so that monthly payment is like four hundred and fifty and in three years.

twelve thousand dollars that's I paid off. And then that's debt that's paid off. Hoo Yeah, that's how minimum of the payments work. Yeah. Oh my goodness. But it's three years. No, just once a month when I look at it. Okay, yeah, you're gonna be forty one, you t? You f too, you small tit? It's fine, it's fine. Yeah. Which we love the flat naturals, by the way. Don't hate yourself for that. Good. Good. You don't need to make'em feel all not great.

Do you know what they might not even happen? I've been wanting it to happen for twenty years and it might not. I'm like, please. Why do you know? Do you ask them like are your tits fake? Dude, touch a fake tit, you know it's fake. It's as clear as d have you never touched a fake tit. I don't know. No, yes I have. Yes I have. Exactly. Well, we touched each other's tits all the time. Honestly, I like them both ways.

Well it looks like it's a four hundred sixty one dollar, which is chunky by the way. Four hundred sixty one dollars sixty cent monthly payment. It's'cause I wanted to pay it off in three years. Wait this is the second time you did a lending club loan. Yeah. What the f I don't know. Maybe y third time's a charm. No, I'm not gonna do it again. Or is this the thing? No, that's the second one. What was the first? The first one. The first one, I don't know. Was it a long time ago? The same thing.

You're never learning your You're never making it Sometimes life happens. Life happens, these are your choices. This is not life. That the dude a trip to California was not life happens. That was not an emergency. There wasn't a dying relative to go see. Like what are you talking about? Where are you going in California? A little fun. A little fun. A little fun. You're talking nine hundred dollars. A little fun is maybe you go to the f park if

No. Oh yes, that's a little fun. A little fun. Yeah, a little fun going to the movie, seeing the new avatar. And oh my goodness, the new firewoman. Oh, I am gooning. And she's flat as well. And I was sticking it in an alien for the first time in my life. Yeah You what? Okay. I want to go see Avatar. Well I will allow that a little fun. Okay. Okay. She could crush me and I would love it. My goodness, what's her name? Avatar, fire and ash. She can do whatever she wants to me.

Played by Ona Chaplin. Oh One year older than you! Damn. It still works. That's fair. That's fair. Wanna know a dirty little secret? And no, I'm not starting an only few. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. And it's exactly why I use where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard.

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Ladies and gents, you get money, I get money. Enjoy links are in the description below. Okay. Wow, twelve percent paid off. Well done. Freedom card, what's And no late fees on that one. That one, some of most of it went on to the loan. What? Right.

Okay, then you built back up, shocker. Who would have thought? Six hundred eight dollars eighty nine cents with the forty dollar minimum payment. Purchasing a hundred twenty one dollars while only making the minimum payment while accruing twelve dollars and seventy two cents of interest, nineteen months to payoff. What is wrong with you? What is wrong with you? Consolidated this and you built it up to hundreds of dollars and days. Forget that it was connected to Amazon.

You forget everything, I forget everything. You forget everything. You delete Amazon. Pull up your Amazon. Okay. I I will, but to be fair, so some of this is not paid on my card. Some of it. Call it out and it wasn't, tell me. Okay. If it's like work stuff, that's obviously paid on my work card. If it's coffee, that's my dad on the right. Your Amazon. Please hold. Please hold. Here you go. It's Amazon, Amazon, five hundred dollars in interest this year so far. What is this bullshit?

See, some of it my dad doesn't know how to use Amazon, so I put his card on there. I don't know. That's for his girlfriend. I think that's a blood pressure thing. I don't know. Nitro elixir pu poor hormone. That is my son's Christmas gift. You wanted cologne. Okay. Military model plan assuming that's also for them. Professional resistance machine. Actually it's probably you. I don't think that's for your son. That's my friend's Christmas. That was mine and I am paying. Housemaid secret.

Oh that's No no no it's my secret Santa. All of that stuff like the earrings and the bookmark I didn't know. Yeah, cute little secret Santa that you can't afford. Well done. That doesn't make you good. Counter tap icemaker few. Oh, yeah. Doesn't matter. I didn't know what that it was paid with the company. Okay, wire hooks, acrylic pens, Christmas tree skirts. Spoon rest stovetop, chunky kind of knit. You got a Kendra Scott bullshit.

Christmas. Windshield cover few doesn't matter. Christmas doesn't all of a sudden make it affordable, by the way. It really doesn't. I don't I do not understand that logic of the channel. Knitten stockings. You got some caramel French vanilla pump shit. Uh coffee pump shit. Yeah, lots of markers. You got a black double line, basic body something. You got a skirt for women, a crown. Halloween. Halloween.

Gosh, it doesn't matter though. That doesn't make it affordable. A holiday does not make it affordable. Yeah. Like you can't have a Halloween car. Your kids are actually old enough where okay, Halloween you might be able to do some like uh some makeshift shit. But first of all, two your kids are old enough to work, to be very clear and get their own shit if they want to. Two When it comes to Christmas, your kids maybe other than the eleven year old, but the even them are

Sucosana f that. It's you don't have to do that shit. But your kids alone, you can sit down and be like, yo, can't really afford as much this year. We'll try to do as much as we can. We'll double off Christmas next year. It'll be great. Mama gotta work, okay? Okay, shift seventeen year old. Whoops. Messed up my life. God forbid. Keep I hate hooking up, but yet I go marry men that I have to divorce every second of our life. So clearly we're doing men right. It's like, yeah.

But he listen, their dad makes a lot of money sometimes. Good for him. You I can't have him get them like expensive gifts and then I'm over here like here's your ten dollar Target gift. You know, like it's not You can'cause you have an adult conversation with them as two of them are practically adults, seventeen year olds about to be, and one is two years into adulthood, so

There you go. See it's working, you gotta have a conversation, but that all of a sudden doesn't mean you need to do secret sanity either. The f up slate$40 monthly payment balance$1235.15. Four years to pay off. Interest accruing purchasing. Absolute stupidity across the board, as always. What are you doing? What is up with this card? Um Huh. I don't know. You don't even know? Sometime you know, you just spend it and go. Spend it and go. What is Pink Berry? Oh that's frozen yogurt.

Die. Just what is wrong with But even for me it was. How's that more important than your kids? How is that more important than everything you're doing? Your mortgage, your emergency fund, your security. You've had a late fee this year so far. You're gonna have a thousand hours in interest this year with this card. What is wrong with you? You don't give a shit. You don't give a shit! Divorce the first one'cause he's bad with finances? F you. Besides And now you said he's making more money.

Yeah. Yeah. It's like what Okay. Double cash. What's going on? You're certainly not reaping the rewards. Uh that one I just let my son use. Why? Why? There's interest of cruising, you moron! Which kid? The seventeen year old. Because he drives the kids to school. Seventy oh good call'em. No. Call them. No. Yes. I'm telling him he is not using this anymore. It's because he doesn't have Apple Pay and I can't transfer him money. Yeah.

Call him. I'm telling him he cannot use this anymore. Mama's broke. Okay, okay. Call him. I'll tell him. Call him. I'll tell him. Call him. What is wrong with you? Yeah, but here's the thing, like sometimes because he drives the kids to school and sometimes he needs gas and I can't transfer money. Why can't you call him? Give him a cat. Yeah. Why can't you call it? Well he technically he's in Mexico right now with his dad. So I don't know. Calm. I hate boundaries. Call him.

Not my favorite. Okay, okay, we'll call him. I know, I know. Minimum to payment twenty dollars, balance, two hundred eighty five dollars, twenty six cents. I won't swear in front of him'cause he's a kid. Give me the phone, you f- C Philancy. But he is in Mexico, so Hi honey. Hey big guy, you can't spend on the city double cash card anymore, okay? Mama's gonna give you cash. Oh, is that the guy? Yeah. Well I am the guy.

Yeah. Well you're on the internet, which is better, but and I thought a seventeen year old would know that, but You're kinda talking like you're eighty. That's fine. Listen, here's the thing. You can't spend on the city double cash card. Your mother was broke. She spent it all on frozen yogurt like a dumb butt. Okay. Is that okay? Uh yes. Cool. Yep, take cash from her. That's it. Enjoy Mexico. You don't have to stay there. You can come back. We'll allow it.

All right. Thank you. All right. Love you, bye. He's such a good kid. I love them so much. I hope so. Well he's getting Catalina food, touchdown something, and then some gas. So it's more than just gas. Yeah. He he does a lot. He takes them to and from school every single day for me and his dad. It's a 17-year-old. I was working at 17 years old. I don't want to wear it. He needs the l What? Why? Because I want him to go to school.

What? I went to school and worked. Are you stupid? What are you doing? What are you talking about? Uh it's a lot of things. He has really good grades. He has good grades. Ever dude, a lot of people do this. Oh I don't know. We'll see. No that's a no by the way Well I mean his dad wants him to work. What? Yeah. I don't Yeah, okay. Learn me to at least work for money. I know. I should have gone to school more. He wants a job, so he probably will get one of the applied for them.

It's hard. What am I gonna do when they're hard to do? Except for you want some to work. Yeah. Stop being a helicopter mother. You can't even helicopter your own life. Who the f are you just to hold someone back? I'm not holding him back. Yeah, so you're not letting him get a job when he wants to get a job and learn some life skills. I just want to make sure that his grades stay good in school. Which if they're not, then you start cracking the whip. Care.

That doesn't mean hold him back in everywhere whatsoever. People work and have good grades. Okay. Say he's working forty hours a week, dude. Maybe he's picking up literally five hours a week, one half shift working lunch on a weekend at Jimmy John's or something, you know, something like that. He's just earning a little Extra cat. I didn't want to. Sometimes you start working and you realize like, Oh, I can make a lot of money right now instead of finishing school.

That's not gonna be a lot of money. And no, what what? Who has that? I've never heard of that. I mean that kinda happened with my oldest son. He got into the trade and like he dumped me. What? That's fine. I don't think this guy's gonna get it being a bus boy on the weekend. Yeah. Yeah. Yeah. Okay. I just want him to finish school. Yeah, see, was he... What, did your oldest drop out of high school? Well he's doing okay. I know.

Also he wants to go into HVAC anyway. He already knows what he wants to do. Okay. I know. I know. All right. Double the love. What is this? Alta. That's right. Ha ha It's not working, is it? I actually don't spend a lot on makeup there. Right, which is why you owe two thousand two hundred and eighty dollars and six cents. This one I also paid off. This one I like paid off, paid off, didn't put on that loan. Uhhuh. Once upon a time.

Right. But now it's at three thousand hours basically two thousand two hundred eighty dollars. So So Doesn't fing matter what it's been in the past. I know. With a$75 minimum payment, you're purchasing fifty-eight dollars sixty-two cents on this. Yeah. What is wrong with you, mother? Well, so my youngest my youngest went into middle school and when you go into middle school you can have a phone and my their dad Because he takes the bus. I took the bus and I did not have a phone.

Yeah, but things were different. Boomer moment. Yes, I know, but I would never Yeah. I don't think I would let my kids get a phone until high school. And me and my girlfriend, we want to have kids, maybe in like a year or two. So, you know, I'm already thinking about that. Guess what? They're they're not f watching Coco bullshit like No no no no. He's too old for that, I would think. But even still, not having a f device at this day and age with all the insane people online.

So he's the youngest so he might not have you know, you know the youngest is That dude is watching. No he's not. First of all, he's not. Second of all First of all, a sixth grader with a phone, I promise you, as someone who was the sixth grader at one point, that dude is watching. You're giving'em free access to the internet? No, he needs permission. Like he he has an iPhone, so there are permissions on the phone. Like he can't ever it shuts off attention. Google Chrome?

He has to ask for permission. To go on Google Chrome. I don't know. He's watching YouTube videos, he's playing road. Don't know what Uh kids going through puberty. Well, he I drop him off at the bus stop and so I need to like know because he takes the bus now instead of me taking Okay, but things are different. He's there by himself. Things are different, the predators are out more than ever. Like what are you talking about? No, because we're the one.

Who picks up seventeen year olds on the road? And that's you listen, we needed to coordinate. Okay. I needed to know He goes to the bus stop. What is it? Two blocks away? No. Where's the bus? I drop them off. Like he's far. Drop him off at a bus stop. Yes. He's fine. He's at the bus stop. Okay, but what happened? Is he the only one at the bus stop? What happens when you drive away? Wait! It's on a busy road.

You're no, you're you're not you're you're an AC one thirty mom. You've elevated, you've upgraded. But, anyways, we he needs to like call his brother and see where he's at when the bus dropped him off. They all three of them need to coordinate getting off the bus together. Yeah, okay. All I'm saying is just like Everyone has survived and it's not necessarily the healthy. We know that kids Now it's not. Mental health is absolutely f two devices.

He does other things, like he's not just always on his phone. He's not an iPad kid. Well it's not just about that, it's literally just so toxic. You can fall into these extremist pipelines. Anyway. Purchase on the on the um yeah, I needed a phone. Yeah, which is why we got went inside, got some bullshit from the gas station and uh McDonald's and um Mayor is close La boca's forty eight hours solve sense. Maybe it's a restaurant. Oh my and then a late fee. I know.

All because our suspicion needed a goon machine. Predator before you know it or like an alt-right school shooter. Like who even knows? I would never I would never I would never You say that until it happens. Like you say that until you actually have a kid in front of you. My girlfriend's very set on this. She's much more aggressive about it than me. Much more aggressive about it than you. You have to come to the same page online'cause when you have different parenting then.

No, I'm allowing it'cause I think she's right. It happens and you don't have like Well listen, I don't encourage your kids to watch No, but I wouldn't give them the device that encourages them to watch.

Okay, four hundred one K L. Oh yeah, that happened. Why? Okay, so I I saved money for the house and then I realized that I didn't want to put all my savings in the house down payment and so I was like, Well, you know, I could get like a four one K loan Yeah, and where is this four one K long gone? I'm Something happened and I needed to spend money. I don't know. I have uh needed, needed. I don't trust your need.

Okay, Navy rewards. This is a f stupid by the way. She owes ten thousand six hundred twenty three. What gets taken from your paycheck to go towards that on a monthly basis? And what happens if you get fired and it's called dip? I know. Uh yeah,'cause a hundred dollars ain't gonna make that move very much and you're not taking advantage of the market as much. Yeah. Well, okay. So someone had told me like, oh, it's a good idea because you pay yourself back interest. Like that made sense.

Yeah, but you're still losing to the market. Wait, so I have a question. So that money that's on the loan is not in the market, like only the money that I pay back. That's wild. ¿Cuáles son bastantes? Yeah. What are you talking about? This actually blows your mind? They're blown loads. It blows your mind. Yeah, room. Yes, in the shower down the drain. There are children being flushed down that drain. I shower in that shower. Yes you do. Even my oldest.

Ugh. Okay. Well, first of all, the I extra wanted a fact check because the answer is no, but I wanted to make sure there was no loophole that you could invest through the market. Leave some of that in, because that was funny. Um, you still have a balance on this card. Am I writing this down? Okay. Okay, well you've had like late shit on it. I know. JP Penny fuck is I that one should be very minimal too.

Well, it is small, so I don't know why you don't just pay it off and you need to close your cards. I know. You already have a house, you're gonna stay in this house forever, so you don't need access to credit, close your accounts. Can it doesn't matter. Okay. Close your accounts. You cannot be trusted with Two all close.

No all. Oh hundred and ninety three dollars and thirty two cents. They're all just holding you back. It's a hammer that is a tool, but you're just swinging back and hanging your face. Okay. Thirty dollar minute of payment,$193.32 is out on it. Fees and interest in bullshit. I know this one I I kept forgetting to pay, so I put on automatic payments. A late fee on this with a balance of only$189. I don't even know what this account is.

I don't even know what this is. It's not even titled The Smile General. Oh yeah. It's almost paid off to you. I I told you the little ones I forget about. Well not if you actually budget. Instead of sometimes budgeting like a dumb hundred and eighty nine dollars and forty dollars. $41. Email? Open the account, you. What is wrong? You're incapable of everything. I don't know how you have survived, how your children have survived. Oh my god. Oh my god. Got it.

Okay, care credit,$32 minimum payment. What's this for? At a balance of$984.63. Yeah. This is what happens when you have endless debt, no emergency fund, everything that has to happen, like braces or wisdom teeth. It is new death! But that's on no interest and it'll get paid off before the interest ends.

Certainly the f hope so. Yeah. Okay, yeah, because deferred interest is accruing like dick. So that's my That's my mortgage. That's my mortgage. Great. The mortgage that we cannot afford, that we have a negative equity position in the house. I can. Nope.

You literally just said after you make your mortgage payment, sometimes you don't have enough money to make it to the next month. You cannot afford it. Two thousand ninety three dollars and thirty six cents on a monthly basis. Yes, this is all your fault. Well done. I'm glad you're figuring that out finally. Technically I should have three thousand dollars left over.

No, there's more bills outside of just a mortgage, you moron. Three hundred one thousand seven hundred ninety-nine dollars and fifty six cents. Hope you're extremists. Child that you've given a phone to doesn't come and mash shoot me after I just called his mother a moron on T. I know he's a very Not gonna watch this? You know this is on YouTube for the rest of Yeah, it's fine. They might watch it at seventy. Okay. No, mm very cute kids, very well rounded.

It'll be nice to see for them what their mother looked like before she got slutty fake tips. They'll remember. Good memory. and all the park shows. Before she was a horse. At least I waited till after they were out of the house. We whore it up. We love whores. Whores are great. I'm a whore. Whore it up. I don't know. We'll see. Listen, if I wanna be a whore, I need other people to be whores so that we can whore together. Here's the thing, I want to but I just fall in love.

Well be a whore. Okay, your Edmonds appraisal for your car that you've paid off is three thousand one hundred and ninety four, averaging out at four thousand one hundred fifty eight, but yours has a little issues, you know, a couple uh cosmetic or whatever that we got, and with your VIN and Edmunds is the most. Uh accurate, so And eventually after I pay all this, I do want to get a new car.

Checking account McDonald. You want to do everything after you okay. See, this is why it's like, what's even the point of paying all this debt off? Because you're just you know, you're just throwing it all around. It'll be like No I mean like death that means. But they all have meaning. New yard. Student loans for the kids. Good um you know? No, I don't. Shut up. McDonald's after pay an ANC or after pay, but you're paying towards after pay, zealing.

Okay, so Spectrum's finds internet, right? And A Cox's Internet. Huh? Cox's Internet. Pelay, Spotify, going in against a bullshit. Walmart in and out. Rembrandt. Photo Oh senior pictures. Oh my gosh. You're almost a senior citizen and you don't even have enough to survive. Home plate, home plate, audible. Go to the f library audible. Amazon going against bullshit bullshit bullshit bullshit bullshit Ranch Bar Bullshit after pay bullshit

Hulu Plus, JC Penny, zelling it out. One day nail spa. God, let me see. Uh It's not here. Thank you. It's not even worth it. Is there even a life worth living for you? You live in Tucson. Savings has gone down$100 now at 13. It fli it goes in and out like Mm-hmm. Service three three box. I don't know. Let's see if we can botch it. This is just a mess.

I hope I can. I think you can. We'll see. All the faith. Okay, well$5,000 is our income. We know your mortgage is$2,093.36. Let's get your rest of your debt minimity payments.$75. Okay. Your rest of your debt minutes payments are$1,065 and 71 cents to me, so that's$3,000 gone already. Gas, electric, utilities, all combined, plus internet. How much? Big guy, you don't know? Come on. I know, I know, it's mad. Okay, so My internet is like six seventy, like sixty five.

Mm and then my phone bill's like twenty. My Six seventy, sixty five for what? Huh? Sixty five. Sixty five for internet. Oh, okay. Oh, what is it? What is everything? Mm-hmm. Trash. 170. Okay. Concluding internet? Yeah. Good. Phone bill. Yeah. Ah, gas vroom vroom drive drive. Mm like forty dollars. Okay, you don't go anywhere, that's depressing. Car insurance. Like one eighty. Okay, food. For this house. Okay, seventeen. So I usually spend like

Go on to eat shut the f up. Your budget doesn't matter. You're also meal prepping, I don't care. I spend like two hundred. Just stop. I'm putting you on an actual budget that makes shut be quiet now. Eight hundred dollars. Huh? Well, actually'cause you have'em half the time. You're right. Okay. I'm gonna do seven hundred dollars.

T P Funda, anything else for you and the kids to survive? I'm gonna say two hundred fifty dollars and I'm actually gonna bring food down to six fifty. Um, medical health care, are there copays, monthly basis, anything? Mm-mm. Okay, no medications, no therapy? No. Okay. The kids will need it after hearing this episode. I just ended right there. Pets? No. Mm-hmm. Thankful. Yeah I'm very allergic. Yeah.

Uh, right now I think it's like a hundred dollars a year, but I've already paid it for the year. But I want a different gym. So, what are uh I'm gonna say like 30 bucks a month? Okay, 40 bucks for subscriptions, anything else that needs to be in your budget before uh we're done. No, I don't think so. Can you put vacation in there? No. Just

What are you talking about? Let's let's see where you are. If I can allocate a couple hundred dollars to fight on a monthly basis, you can save it up. Okay. On a monthly basis and choose where that goes. But I would also just take care of the few kids. Okay. Okay, okay, okay, okay. So with only forty dollars in subscriptions, I wonder that means I'll have to cut like Yeah, you'll have to cut some things. Okay.

Okay. And yes, you have a decent amount left over. Set the f budget. Three thousand eight hundred sixty nine dollars and seven cents on a monthly basis to survive. One thousand one hundred and thirty dollars and thirty nine cents. I'll give you a hundred and thirty dollars and thirty nine cents in fun money. You decide where that goes. Not gonna be much vacation, but Thousand hours a month left. If you're thirty-seven, that takes thirty-seven months to pay off your bad debt.

And then stop going into your poll. Just turn your life around. You're dramatically behind on retirement. You own, you have four one. Well, actually your debt's even higher because we didn't have that first card in the calculation. 40 months to pay up your debt. Get a fully funded emergency fund, then live fifty twenty five twenty five. Fifty percent goes To needs.

Fifth 25% goes to fun. It can be whatever, save it up on a monthly basis, go on a big trip, whatever. Okay. 25% goes to retirement because you got to catch up. That's what you're doing. Okay, two years to pay off the debt, get a fully from the mercy fund. This is not that complicated. Well, not two years. It's gonna take probably like three and a half years. Is there a way to do it in two years? Yeah, even. More money. Mm. Okay.

Make more money, get your raises, work a second job when the kids aren't there. I don't know. Fucking and that's hard. You so it'd probably have to be like contract job, like you driving for shit, like Uber, whatever. I don't know. Okay, let's get your hammer financial score. We're gonna go to the post show, it's gonna be fun. It always is. There's always something crazy.

String hammer leave for that. But hammer financial score. Spending a budget overspend. Zero out of ten. Debt. You don't have collections, but you do have a four hundred one K loan. That's not great. That's risky. I'll give you zero out of ten for that. Emergency fund. There's a thousand hours. One out of ten. Retirement.

Have a little bit 401k loan, definitely dramatically behind. Two out of ten is the best I can give. There, real estate score. At least you're in the market. What was your interest rate on that house? four point six eight. Oh that's pretty good. Okay, I'll give you credit there, but negative back to be positioned three out of ten.

Get your hammer financial score at Calebhammer.com. Your hammer financial score is rounded up to a 1.5 out of 10. I'll see you in the financial auto post show. Join Hammer League. Three premium shows posted every single day. Now six days a week. You're so like, uh, about like the whole p thing, but you used to sell feet pictures. Субтитры сделал DimaTorzok They're like, can you put it in spaghetti? Like no Caleb, I don't think we really scratched the surface of her travel addiction. Oh

She has trip amnesia. She will go on these trips to Nashville, to Vegas, DC, and just spend all the money. Join us Saturday, January 31st for Hammer Elite Day, a five-hour livestream featuring all of your favorite shows. See ya there.