She Came Here To Fight Me | Financial Audit

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One of my credit cards that I haven't been able to settle on. They are threatening to take me to court. Well, maybe be more responsible and not a complete dumbass. I want to be more responsible. Go f**k yourself. You're just a child. I just think you need to shut the f**k up. Yeah, but your entire excuse that the banking system's a scam isn't what f**ked you. You swiped. You chose to. You're much more valid. I didn't choose to do it. I just said 25 to 50% is their fault. No, 100% is yours. This is not a question. We're not. We're not f**king doing this. Pick her up. I'm done. I'm not filming. I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Plus, I have an exclusive offer just for you. But I'll only have a thousand available to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Download the Hammer Elite app by using the link in the description or pin. Comment down below. This is the best membership you'll ever join, and that's a promise. Hi, I'm Raven. I'm 31. I'm from Denver, Colorado, and this is Financial Audit. Thanks for coming over to Austin. What do you do in Denver for a living? Um, I do a couple things. Um, I own my own business. I'm an esthetician, so I mainly do eyelash extensions. Um, and then I, I have a side gig doing, uh, ba- or frosting over at a bakery. Okay. So you can't like. Help with my skin care, because that's what I thought esthetician was. It is. Estheticians. You just do eyelashes. I mostly do eyelashes. It's my, uh, my scope of practice, but I do help people with skin care. Women do eyelash shit, so, I mean, it, it works. People pay for that. I hope you're making money, because Denver, expensive. Very. Not a cheap city by any means. God, no. So, that second one sounds like a more stable source of income. Let's talk about that first. What do you make in that position? This, what, what did you say? You're like decorating cakes? I'm a. I'm a, uh, a froster. Okay. At a bakery. So. Sure, sure. I don't necessarily de- decorate. I literally just put frosting on cake. Okay. I assume that's low paid, because that's low skilled, because everyone can do that. Yeah, pretty much. Uh. What do you make? $18 an hour. Frosting. Yeah. And in Denver, that's not gonna stretch very much. How, how many hours a week are you frosting? Um, I do like five days a week, and I get like 30 hours doing that. So every paycheck, I get like $7.50 on average. What's every paycheck? Every two weeks? Every week? $7.50? Yeah. $7.50. It's a thousand bucks. You're not gonna fuck. $1,500. You are not surviving off of that. Please. Please tell me this esthetician shit makes money, because that's nothing. I mean, it helps pay the bills. I assure you. Well, it could help pay the bills making $5, it could help pay the bills making $5,000. How much does it actually help pay the bills? What do you make? Um, uh. Average, average. Total with both is $5,000 a month. With my eyelash business. Okay, so your eyelash business substantially makes more. Yeah, I make about. It's not even close. I make about $3,000 a month on doing eyelashes. Okay, well it brings you to like $4,500, but yeah. Well, I was doing, you know, that sucks. I was doing DoorDash for a minute, and then my car broke down, so that's a whole separate situation. The esthetician thing, are you, so you are your own business, right? You're not a contractor, you're not an employee. No, I own my own little studio doing that, so. So you're setting 30% aside for taxes. Okay, because that's the thing. In a good world, yes. Well, in the world where everyone pays their taxes, yes. Well, I mean, I don't really have the money, because like one of the credit cards is trying to sue me. Yes, you do. You made $3,000. That's how you then set 30% aside for taxes. Well, yes. Fun fact, if you make $0, you're right. You have no money to set aside for taxes, but you wouldn't need to. But when you actually make money and you need to set aside money for taxes, yes, you do have the money, because you made that money to set it aside. When I owe as much as I do in bills. It doesn't matter. The money came in is the money that needs to be set aside for taxes. That is exactly how you do it. Well, the money that came in is keeping my roof over my head. So, yes, in theory, I should be setting aside 30% for taxes. Yeah, until the IRS comes after you. They're the ones with the guns, by the way. I'm not paying payment plans on my current taxes. I am paying- Oh, for your previous taxes. Previous, not future. Setting aside is for future, not previous. Yeah, but I owe freaking $1,200. First of all, how long have you been doing this? You should be filing estimated quarterlies anyway. You'll get penalties for not. Yeah, estimated quarterlies if I had the money to give them quarterly. So, I take the fine on that. You do if you set aside money for taxes. You keep saying set aside. Like, I have extra money. Set aside. Paychecks. Paychecks. Paychecks. I have extra money to set aside. You do because the only reason you would ever set aside money for taxes is because money came in or else you wouldn't have to set aside taxes. Well, when I have- So, you objectively do. You just put 30% aside. When I have crew credit cards that are one being paid off, the other one's trying to sue me. So, I think it's more important- Well, maybe be more responsible and not a complete dumbass. Well, you could be more responsible and not a complete dumbass. You could be more responsible and not a complete dumbass. I forgot where you came from. Like, money just falls from trees. I forgot where I came from. Responsible is how I got where I got to. You're always just over explaining bullshit. You don't actually understand. Over explaining. Is it over explaining and setting aside, "Oh, if you make money and you're supposed to pay taxes, you're supposed to pay taxes." Well, I have- You're always just over explaining bullshit. Over explaining. Is it over explaining and setting aside, "Oh, if you make money and you're supposed to set aside money for taxes, do that." That seems like an under explaining, if anything. No, because it's like shit that I already know, clearly. Okay, but you're not doing it, so you're being irresponsible. That's why I said that word. Sure. Irresponsible, sure, sure. I guess it all happened from being irresponsible, sure. But you're saying, "Oh, you just set aside, I've already done the damage, so I do not have the 30%." I've already done that. I've been running my business for a few years now. You've already done the damage. You're doing the damage. If you're not setting it aside, you're doing the damage in the future. That's not damage that has been done. It is doing the damage now for future you in about a year. Sure. In your head, it seems so much easier just to like, "Oh, it's making $3,000." When money comes in, you set it aside. You have to pay taxes. It's not an option. When money comes in, it goes to the bills. Sure. It's going to the tax. But the IRS isn't a choice. A credit card is kind of more of a choice because it can go to collections. The IRS is not a choice. The IRS is getting paid. It's not like they're going to come knock down my door and arrest me. I know, but you're putting yourself further and further in the hole because more and more is having to be due because you're getting penalties due to the not filing of the quarterlies, and now you're on payment plans, which accrues interest along the way. Yes, of course. So you're making it even harder to do it in the future, which is just making them more money in the end, which isn't even being used effectively anyway. Sure, sure. But the hole already happened. So right this second- No, it's not. You are digging right now. I don't think you understand that. And why do you talk like Kamala Harris? How do you sound like her? Do I sound like Kamala? Yeah, that is like the biggest insult. We did it. We did it, Joe. I've been called a lot of things, but never Kamala. Sometimes. Not right now, but every once in a while, you go into Kamala. Now, I don't even know how she talks. I don't listen to her shit. So now I'm going to be super self-conscious and talk- You're racist? I don't know. It comes out every once in a while. You hear it in your nasal when you don't use your nose at all. You're just like, "No." The nose is stuffed up clearly on purpose. I got this big shit in there. So I'm so sorry. Yeah. Who likes to believe? Well, I have asthma, so I guess- Oh, you're really helping yourself. I just don't like to breathe. Okay. So you said- So also, wait, wait, wait. You called me racist. Yeah. Why don't you control the show? Wait, wait, wait. You called me- Yeah. Well, I'm going to. You asked me. I'm here for me. Yeah. I think I made a joke when you were talking about Kamala. Sure. But go ahead. I'm the one that's racist. I'm the one that's talking about Kamala Harris. I feel like you have like two black people that work here. How am I the racist one? Three. We've upgraded. Son of a bitch. You got me there. Yeah. Plus like every Mexican ever invented. I wasn't paying attention to how many Mexicans you have working here because I'm not the racist one. Oh, I don't know. I don't know. I just, I look in, I smell tacos and I'm very happy. It's very good. The moment Mark jumped the wall, he ran to the studio. I don't know. I don't know. It's very good. That's what happens every day. I collect a new one. It's great. Are they on leashes? Are they free ranged? Are your Mexicans on leashes? Why are you so racist? Or are they free range? I would never think like that. I would never be so pathetically anti-Mark. You just said they crossed the border and ran right over. That I feel like is on the same par as the joke I just made. I think you're hearing things. What joke? What joke are you talking about? You're talking about putting them in chains? No, I taught you if you put them on leashes, you can flip it on your mom. Yeah, but why is that in your head, you freak? Okay, so $3,600 a month is actually what you make after you set $900 aside for taxes because you actually need to. And that's how we're going to budget in any responsible area. Someone messaged. She can put me in a chain. I just don't know if that is Brandon, Lindsay or Mark. It seems to be Mark. Mark wants you. He is actually into the, oh, he just gave a big facepalm when you said you were taken. He's very, he's into the emo, emo baddies. Wouldn't define as a baddie, but emo for sure. People are wrong. So it's okay. Huh? I said you're wrong for saying I'm not a baddie. Took me hours to do this makeup. Flat. Well, I could have gotten some fake titties, but I guess you don't like that. So it doesn't matter how big my titties are. Why are you doing it for me? I'm just on the other side of a f***ing table. Homie, it's like you don't even f***ing listen. It's like, god damn. Okay. Amazing rebuttal. So what do you do? What is the issues that we are dealing with here? What is going on? Obviously, f***ing taxes. Obviously, like you said, I think I heard sued. You're getting sued? Yeah. What do you mean sued? They are threatening to take me to court for it because I have not been able to. Fair enough. Get their money. You didn't pay for it. You borrowed. Your fault. That's fine. But they won't take the money that I could pay them every month. So instead, they just decided that they don't want any money at all and that they're going to try to take me to court. Well, yeah, so they can get the money. Yeah, but if I can't pay the money now, how does taking me to court get them money? Well, court could have a variety of options. Who knows? Potentially payment plans. Who knows? Forcing you. Maybe selling some kind of assets. Who even knows? It depends. The court will determine. Look, my lifestyle has been a little hectic, okay? What's your lifestyle? I mean, I guess you can kind of tell. I love getting tattoos. I don't want to stop getting tattoos. I'm also fake goth. It's a little different. You're what? My knuckles say fake goth. I don't really call myself emo. I don't give a f*** what you call yourself. We all see you. All labels are bullshit. Sure, except you're clearly easy to label, but sure. I mean, is that true? Isn't everybody? Yes. That's why I'm labeling everyone constantly with overly stereotypical things. Oh, if they take me to court, you said that there's things that could happen. I'll just have to file for bankruptcy because I don't have that money. Maybe, but that's also a court process in general. Oh, I know. And it's expensive and it's bullshit. It's something I'm very much trying to, as in just a lot of work and it's just annoying. I'm not saying it's a bad option for everybody, but it is something I'm trying to avoid. I do not want to do bankruptcy. I don't want to do bankruptcy because I don't feel like I failed. Then pay your debt. I don't know. You make money. Go get a better job. I'm not trying to pay my debt. Maybe. I don't know. I don't think you're doing very well at that 18 hours an hour thing. Maybe you should actually go get a better job. They go by my schedule with the lashes. I have my schedule open from 8 a.m. to 8 p.m. And I let my bitches schedule. Okay, how many hours a month are you doing lashes? Oh, like 32. Like I would say like each week. That's a week. I would do. Yeah, I'm trying to figure it out, bitch. Give me a second. Clearly numbers aren't my strong suit. So I would say it. I would do at least 20 to 30 hours a week. And that's including me lashing. I do facial waxing. So I do a couple other things. And that also includes me ordering, getting lashes made. There's a lot more to the process. Okay, well, you're making 30 bucks an hour doing that. I do like that for what it's worth. That's not a bad wage. But it is very difficult when people are not used to the W-2 system to set aside money for taxes properly. And obviously that has bitten you in the butt. Yeah, I f***ed up the first year and that kind of tumbled, rolled everything when it came to. When was that? When was your first year? A couple years ago when I moved out of the studio I was in. It was like a regular lash job and they were paying me like $12 an hour as a lead. Well, that's fine. No, as a lead esthetician. You chose to leave. I don't know. I chose to leave because they weren't paying enough. The market demanded what the market demanded. You clearly thought you could make more than you did. So it worked. But yeah, so I left. I opened my own studio and that was about three years ago. Oh, so you're making $30 an hour, but you have overhead. Yeah, I pay for my studio. Shit. What's your studio cost? $1,000 a month. Oh, for dick's sake. And then you have to get the supplies as well. That's the cheapest in the area. That's fine, but then you have to get supplies as well, correct? Supplies, I'm a one-person f***ing bitch. So when it comes to ordering supplies, that's not a lot. Okay, that doesn't change that you need supplies. It absolutely changes it because I don't have to buy as much. Okay, but you have to get the lashes and shit, right? Sometimes it's $50 a month and sometimes it's $100. $50 a month. Let's call it $100. The amount that I spent on overhead. Let's call it $100, asshole. No, I'm the asshole. It's like you don't even listen. Like, give me a second to f***ing finish what I'm saying. I already got to the conclusion of what the information I needed is, though. I don't need you to continue rambling with your nasally-ass voice. Of course I'm going to ramble. What the f***ing point of me coming on and telling you all my shit if I'm not going to be able to ramble? Okay, so it's $25, or 25 hours a week on average. So now we've gotten down to $19. Which, again, for many places, yes, pretty good. Denver, yeah, we can stretch it, sure. But when we get to Denver and that's where we're going to be for a while, not the best career income I want you to be at because that's what it is after expenses. Well, and it's not something that, like, that's my career. Like, I plan on making the lashes and making that work and growing from that. Well, that's fine, but $19 an hour isn't going to get you there, especially if you're not going to be able to do that. Especially when you can't pay off your debt, and that's what it's come down to before you set any money aside for taxes or anything, which, by the way, self-employment taxes having to pay both ends that employers have to take care of and whatnot, usually. Well, now you have to do your half and the employer's half. So it's f***ed. So I don't know how you're going to be able to pay off the debt, get the risk from off over your head to be actually able to invest your time and energy into doing this. But I know your entire excuse to what you did to the production team, you're just like, yeah, the banking system's a scam. Yeah, the banking system's a scam. The banking system's a scam. Medical system's a scam, which I don't even know the context of that. I'm sure there will be. Banking system's a scam. What do you mean? You chose to get a debt. You chose to spend on it. Go f*** yourself. You're just a child. And I do think that, yes, I signed up for that. I did. But when I'm on the f***ing app at 2 in the morning at US Bank and they just let me just ask for $15,000, they just gave me. They gave me that for nothing. No background checks, no nothing. Sunscreen. Snacks. A stapler? See paypal.com slash protection. I'm not saying that I did it. You may have lied, because it's usually based on payment history. And it's also based on what they have in a softball. And it also is based on what you say your income is. And many people say their income is more than it is when they ask for a credit limit increase. No, that was my income then. And they also, my credit cards, I had them started at $5,000. And I get that that's what they do because they want to f*** you. But then they kept raising even though I had money on those cards. Who cares? It's not. I f***ing care, clearly. It is not their fault that you went and spent to whatever they raised. It is too, though. I just think you need to shut the f*** up, honestly. I'm trying to explain that they took my $5,000, turned it into $10,000, and then turned those both into $15,000. So all of a sudden, I have $30,000 in credit. I'm not saying I didn't sign up for those cards. You didn't have to spend it, though. No, but they gave me. They just gave me. So what's the issue if you don't spend it? It makes you feel like you have money. That's their f***ing point. That's why they do it. It makes it feel like you have that. That means you should not have credit cards. Which, I mean, maybe not that one large. Yes. If you are not able to handle a situation, don't put yourself in those situations. I can be more educated in the future to eventually be able to get a credit card. I'm not disagreeing. Yeah, but your entire excuse that the banking system's a scam isn't what f***ed you. You swiped. You chose to. It still, I believe, was maybe if it's only like 25%, 50%, they had a hand and f***ed me over. So the banking system's a scam because they raised the limit on your cards? Yeah, because they know. That's it? That's all we got? They know you're going to spend it and they want you to and they want you to own debt and they want you to spend all that money. Of course they do, but you still chose to do it. But there is much more valid. You didn't choose to do it. Like, no s***, dog. You said that like 12 times. I did choose to do it. Yeah, you still did and you're blaming the system, not yourself. That's called personal responsibility. I just said 25% to 50% is their fault. No, 100% is yours. No. They have that s*** open that they just give anybody. That's bulls***. I spent a s***. Not anybody. They don't do anybody. I have people on here that aren't getting those. Well, I had good credit at the time. Yes, exactly. So you were deemed a lower risk individual. Now you're likely not anyway. Oh yeah, no one's going to give me s*** right now. And I know your boyfriend disagrees about your perspective on this. Oh yeah. You've been together for a while. Maybe there's marriage in the future, but not when he's with a f*** who has no personal responsibility in her life. Is it a her? I'm not even sure. I bet you're there. Why does everyone think I'm a f***ing lesbian? What? Everyone thinks I'm a lesbian. Her? Oh, I thought you said her as in the person. I'm dating. Everyone thinks I'm a guy. And did you ask my pronouns? Jesus Christ. I'm a woman. Sorry, I look like a woman. I get mad when people ask me my pronouns because I feel like I look like a woman. So I thought maybe you'd have like extra, you know, curiosities and whatnot in the world of gender. Not that I'm against that. No, I said gender. I didn't say sex. I mean, maybe you're listening. No, I misheard that and I apologize. Are you sure I'm the one that doesn't listen? At least I can admit that I misheard you. Okay, sure. And let you finish. Very good. So you're with him. Okay. How much do you smoke? Oh, God, I wish. No, just kidding. Is it the teeth? Yes. Yeah, that's always the teeth. Yeah, what's up? Why are they fucked? A lot of stains, cigarettes, wine, coffee, tea, all that. Okay, I mean, I don't have like perfect teeth either, but like. I don't have the money to fix them. It's on the list. Yeah, that's fine. But yeah, you know, you really. - Yes, I did. And I don't have time this year. This year is the fixing my brain year. And next year, I can focus on teeth. You can wear whitening strips. But either way, you probably can't afford that. They don't whiten fillings. So these are stains on fillings. You have to get them right done. Those are all fillings? Your entire teeth are fillings? Pretty much. That's kind of wild. Okay, so you got sent here from your boyfriend who introduced you to the show and to the application and all that good stuff. Makes sense. So what the f***? You guys vehemently disagree on, well, he doesn't like your perspective, essentially. No. But yeah, you're not changing anything. Even in this conversation, you haven't been willing to take personal responsibility. So I'm not surprised. And I'll get that. I get that a little bit. We sent you here because you guys were sitting down watching and you said, oh, I'm not as bad as these people. Yes. Yes, you are. Do you hear yourself yet? And that's why I'm here. So I started watching this show and it started making me feel better. And then I realized, of course, because, dog, some of the people on here still make me feel better. You are that person. That's why I'm here. Literally. No f***ing joke. I literally watched it. If you would just let me finish at first, it made me feel better. I never let a woman finish, but go ahead and try. We know. But after that, after I was still watching for a few months, that's when I realized I still had bad thoughts. I was doing steps to get my stuff better. And according to a year ago, I absolutely have. But after continuing to watch, I realized that I'm just as bad as these guys. Oh, good. You figured it out. CalebHammer.com slash apply, by the way. Feel free to come on. That was a plug. It wasn't a joke. We want applicants. That was the point. It was like a dumb laugh. Can't even take a joke. Jesus Christ. That's a joke? You making a noise is a joke? Wow, f*** me. Okay. This is brutal. You're obnoxious. Okay, so I'm glad he sent you here. I'm glad you realized you're as f***ed as everybody else. Why weren't you paying just your minimums before to at least allow them to not go to collections and everything before they did and now with the laws and everything, why weren't you at least just paying the minimums? What the f*** is wrong with you? So I was and then I signed up for National Debt Relief last year and they told me to stop making those minimum payments because I needed to show hardship. So I had to stop doing all my card payments and that loan payment. So I did for a second feel like I had a little bit more money because I have my Wednesday. I like to go out with my friend and go antiquing. You have to. You don't have to though. You like to. Yeah, I do. Pay your f***ing debt now. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less-than-perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high-interest loan for the rest of your life. Because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where YRefi comes in. YRefi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99% and they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that. Plus, their team is in Phoenix, Arizona, so when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try YRefi. Head to YRefi.com slash hammer. That is Y-R-E-F-I dot com slash hammer. Or call 888-YRefi-78. That is 888-YRefi-78. Break free from the high-interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes. Because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people, just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial. DollarWise.com, link in the description below. And then, as I was starting National Debt Relief after about six to eight months, started taking on those debts to be able to consolidate, so I started paying them. It went from $1,200 a month to $500 a month. So there was another period where it did feel like I had a little bit more money. And yes, I was still indulging in my going out to the antique and the thrift stores. Antique, what the f*** is this? Why are you so obsessed? So antique stores now sell f***ing retro games and shit. Like, antique stores aren't even antique these days. They're trying to appeal to millennials and shit by putting Tamagotchis and shit in there. Okay, well, are you actually willing to sacrifice some of the things that make you happy? That's the thing that we're thinking about through the end of this conversation. Well, and I, you know what? Thrifting. Your wine, you mentioned wine. I do enjoy wine. Weed, I bet. You're a little stinky. Okay, there you are. I did not smoke weed. It is illegal here. I do smell like cigarette and I do apologize for that. I said you're stinky. Yes. I was just trying to defend myself. So actually smoking stuff. Okay, weed, cigarettes, wine, thrifting. We all have our vices. Sure, we have vices. Not everyone drains their entire budgets, though. Yours do. Those are all very expensive things. Thrifting's not cheap. Wine's not cheap. Cigarette's not cheap. Dude, I can go into a thrift store and find a $2 Polly Pocket. Okay, fine. Let's call that one. The other three are cheap. Not cheap. Depends on the antique store. Some stuff can be cheap. No, the other three, cigarettes, wine, weed, not cheap. Are you willing to sacrifice? I buy boxed wine. Are you willing to cut? It's $17. It's cheap as shit. For how often? It's a $4 box and I can get it to last one to two weeks. Weed, it's about $40 a week. So I can see that. Add that to cigarettes. Well, and it's not- Add cigarettes. Have you ever had an addiction? It's not about that. We're talking the number right now, not the addiction. Like a pack a week. Like a pack a week. And how much does that cost? That's lower than many people. It's like $12. Because I've quit like 12 times. So, well, then you've never quit. Bullshit. You cannot take that away from me. Are you smoking right now? Yeah, because I'm- Then shut the fuck up. So cigarettes, even if a little cheap- Huh? Someone's never had an addiction. We all have our own little addictions, but no, nothing as intense as nicotine with me. You're absolutely correct. But it doesn't mean that other people haven't quit. You're not quitting. You haven't quit. You're not quitting. You are smoking now. A pack a week is kind of light in terms of the cigarette smokers, but that and with the weed and even with the box wine, it stacks, it stacks, it stacks, and it becomes even more expensive. Yeah. Are you willing to at least give up some stuff to make it the fuck out of debt? I just don't- And get to a better place. I want to get out of debt, but those are the things helping me cope. Life sucks, man. Well, life doesn't have to suck. You can figure out good things you have. Life doesn't have to suck? I have a boyfriend of 10 years. There's many things. And I love him. And that is the best part about my life. Were you going to say that's a privilege that life doesn't have to suck? Yes. How? I have to worry about not waking up in the morning because I have seizures. Okay. That doesn't- And that means that I have to go to the hospital and get tests done. How does that equal life always sucks though? Like people- How does that mean it's dumb? I have to go to the hospital and spend hundreds of thousands of dollars I'm sorry, if life is just- I don't want to advocate for it, but if the entire philosophy is life sucks, why do life? Because killing yourself sucks? That seems like an interesting way to- Why don't you kill yourself kind of thing. Again, I just said I don't advocate for it, but if your entire philosophy is life is absolute shit, then why do it? I don't think it always has to suck. But when you're in- That's what I just said. You said that was privilege. It is because you don't have- What? Because you don't have bad shit going on. You don't have addictions. We all have bad shit going on. Okay, I'll take that. But you don't have addictions going on. You don't have shit mentally or health going. I said you have a panic disorder. Yes, I do. Yes. I'm just- That's what I'm saying. If you have medical shit going on, how can you be like, oh, life doesn't need to ever suck? I do. Life does suck sometimes. Yes, no, there are shitty things in life. Sunscreen. Snacks. A stapler. Shop, pay, manage your account, and earn rewards. All in one place. But life doesn't have to, in general, as a broad philosophy, suck. Because then what's the point of doing anything? What's the point of waking up? What is the point of sacrificing? If life is just trash shit, suck. Very realistic. What's the point of anything, huh? That's a bad way to look at it. Life can suck, but you don't have to, like, give up on it. God damn. Well, what's the point? What's the point if life sucks, then? That's what's challenging about your mindset on this world. To get out of the life being sucks? Exactly. Because what is the point of anything that we're about to have to do? To fix it so life doesn't suck. So the only reason life sucks is because of this? If it wasn't for this, life wouldn't suck. If it wasn't for this, life would suck a lot less. Okay, well, there we go. Money stresses is what caused me to have seizures. Well, that. Okay, then why. Why the f*** were you never paying or anything and still swiping up more? I was told not to pay. Yes, once you went to the. the Debt Consolidated National Debt Relief, yes. before you're still swiping making it even worse and worse so you were making what causes your seizures worse on your own no one forced you to and you're the one that makes a day out of all that stuff we were talking about anyway i'm being told you make a day out of it you go shopping with a friend then you go drinking and then you just go to the weed shop and then back to the bar and you smoke at the bar and it's just like you're the one that's always doing that you're saying that life sucks well your coping mechanisms are all that bad shit that just makes life even worse and worse and worse those endless addictions that you're just continuing make life suck more and then you have to do them to continue that's you that's on you dude i'm not saying it's easy to quit no one is advocating that but you're continuing down the path of things that are bad makes life suck and if you don't do them life sucks even worse so you've done that take some personal responsibility on anything take a personal responsibility that's what i'm trying to do you have seizures but you just drink all day you have seizures but you don't go to the bar but you smoke cigarettes i don't think cigarettes are good for people with seizures well they're not good for anything but my neurologist did not say it was going to cause me seizures i don't think it's beneficial neurologist doesn't say it's something that's going to cause seizures okay so cigarettes and alcohol can make seizures worse alcohol can i have my neurologist said nothing about nicotine and they know not nicotine specifically but cigarettes they know i'm smoking cigarettes cigarettes not that stupid maybe it's because you're a little lower or they just know you're struggling or i don't know maybe they don't want you to quitting cigarettes can make you have a seizure hard quit maybe hard quit instead of like a wane yeah like i'm sure well still i mean a hard withdrawal from alcohol is one of the worst you can do yeah i'm sure i'm sure yeah so i'm sure that would be too there's probably actual beneficial ways to work with an expert and get off of it that it doesn't mean we just continue this lifestyle though i get you i understand it's just a little hard when the only you know i said it's easy i'm not sitting here saying it's easy it's just nice to be able to go out and have a little bit of fun even if it's not the bar i usually try not to go to the bar if you you were literally complaining about not being able to set aside money for taxes go yourself you're saying but you can go have fun and these are not cheap vices if you're going out to the bar you're ripping and you're buying drinks you're doing all this shit and you're thrifting in between you can't tell me you can't set aside money for taxes you can't tell me you can't pay your minimums now you can't tell me you can't start making progress on some of these stats you can't say that you're choosing not to because you want to have fun get me through it the depression of being through that but the depression you said the reason life is such a struggle is because your finances are rough so sacrifice stop having fun for a moment make your finances better then have fun and be less because your finances are better the amount i spend philosophy when it comes to these little vices has is not going to make a dent actually it does any dollar does anything you can pay above minimums do any money you can set aside for your estimates do because then you have that ready to pay for fucking estimates when it comes to the cigarettes i can't they get me they don't they get rid of the large purchases you spent 2443 we'll see where that goes to see where the fuck that is because there's absolutely that's what i just said we'll see where that goes in that if amazon's in that that's all for work that's work expenses so if you put amazon in there usually amazon's in miscellaneous bullshit but we'll see i mean if it was like multi-hundreds in one purchase that might qualify in there yeah i don't know but you'll go into the negative i'm being told just to go thrifting even if you're not a thrift store you're not a thrift store you're not a thrift store even just going negative to put in gas to go thrifting when have i gone into the negatives for thrifting on the way to going thrifting filling up your tank i mean i guess you don't have to do i guess so i guess so no no no this is not a question we're not doing this no that is not an option i want to be clear i want to be clear we are not smelling cigarettes in here we're not sorry no no are you serious will you stop no this is not a thing no no no okay kick her out i'm done i'm not filming i'm not filming a cigarette this is that's gonna smell so bad she's lighting up in a building this is gonna make the whole place smell like shit what the what's wrong with her no kick her the fuck outside get kick her outside i'm not dealing with this shit what the fuck is wrong with her we're 30 minutes the skin oh i hate this piece of shit this bitch you're annoying you really are just sorry i need a cigarette with you i'm just so confused how often do you have to rip that's so expensive and it's really nasty because this is gonna make everything smell like shit in here i only smoke half at a time i try to conserve half yeah when we smoke half a cigarette and then you save it for later yeah some people don't like refries but i'm not a little bitch about it next time miss we gotta remove the voicemails shaking you're weird man oh i have anxiety just shake normal okay you probably shouldn't be yeah i'm talking down a red bull yeah my neurologist probably agrees so i'm confused if you're not willing to sacrifice any of that shit that just brings you that instant pleasure that is obviously preventing you from getting out of the thing that is causing you this overall stress what the are we even doing what the are we even doing this is pathetic if i cut out one would that make it better any it's not a question you're spending a shit ton of money on everything it's horrendous okay so this guy is he just not willing to marry you until you get this shit under control because that would be that would actually be pretty fair uh we we've always been uh pre people that don't really care about like marriage or kids or anything like that i mean you've been together for 10 years yeah please don't bring kids in this world you can't you'll be drinking and ripping while pregnant i don't want kids but how dare you insinuate i would ever do that no you're not my boyfriend okay you and your boyfriend me and my boyfriend been dating for like 10 years we do not care about marriage if something happened to where it would be financially beneficial or something comes up then well it would be financially beneficial not now yes it would tax wise absolutely even legal benefits with automatic what we're just not really into the whole marriage well that's fine but even just the legal contracts for extra protections and whatnot like what's to say i mean you look like someone that commits a lot of crimes and you're probably with someone who commits a lot of crimes you wouldn't be forced to testify we don't commit crimes i don't think that's ever gonna happen okay you don't pay your taxes it's kind of against the law i am literally currently paying my tax okay except now because you get paid a lot in cash and you are not claiming that cash i am absolutely claiming cash i write down every single bullshit you told colton that you think cash doesn't even exist is that real money it's girl math yes but people hand me that money i put it in my um my documents that i got that money and then it goes to the wallet it does feel like it doesn't exist i don't know if it's real money i don't know if it's real money i don't know i'm sorry cash just feels like different it's not but how do you manage it what do you do different with it just in the wallet and i use it so you immediately just spend it this is gone yeah usually it gets spent on dumb shit on my uh my fun wednesdays your fun wednesdays your fun wednesdays cash might be even easier easier to set aside because you can set it aside in that exact moment like literally you can the moment you get it just set 30 percent aside it just doesn't feel it doesn't feel real you know what i mean like when i see kind of i mean i understand that when i see a balance impacted on like a screen yes it feels more real but even still it's easier to even separate money there the moment it's handed to you and almost at the end of the day it's it is a mind stupid mindset because it just feels like oh this is the fun money i have for this week and that way i don't have to hit the account so it's like oh i didn't get any money taken out of the account so it feels like it just feels different so if you guys aren't going for the marriage what about the finances of the household are you guys ever come gonna combine do we have aligned goals are we trying to live together for the rest of our lives like what am i trying to do here because again if he's the one that got you to come on the show what is the goal with you guys together i know he's not here maybe we'll call him in the post show but well if when it comes to like our goals we do plan on being together forever but we just don't are you going to combine finances no no we like our separate finances he's actually pretty like that yeah he's pretty upset that my finances have now kind of gotten over into his because of my car my car broke down and i was ineligible for my car and i was ineligible for my car and i was ineligible for credit so he had to put that on a card just like the other week okay i'm slowly paying him back okay so now my dad i mean it got over to his so why are you guys so vehemently against it if you're going to be together forever you don't need to be a hundred percent combined but it is nice to have all the money go into at least one household thing and then separate it from there well for organization and budgeting he's got his side like he pays his side of the bills like separately like he sends me money for like why is he so worried if it if he doesn't even care other than him money but why is he worried about your finances he cares about me he wants me to be in a good spot okay he wants to next time my car breaks down he'd like me be able to pay it okay but you are impacting things overall more than just that you made him go for a more expensive apartment i do now he has debt with you and it's it's an absolute mess so that's this is why it's like separate kind of yeah you're making him do all these things i the reason i had it the apartment i really liked and i made more than him i still make a little bit more than him so i told him if p i would pay um extra in rent if he would go move in with the apartment because we i really like that apartment it was so stupid but it had so many windows who cares you owe the irs and you wouldn't even pay i didn't at the time i didn't at the time that was a that was like four or five years ago we've been in this apartment you weren't paying well you've been in this for five years yeah four or five years we've been in this apartment so it's more expensive what's the monthly rent uh it's 2400 for the both of us i pay 14 he pays a thousand why why do you have an extra four um because i told him i would pay for the apartment and he said no he said no he said no if we were able to get this apartment. I chose the apartment I really wanted. at the time even now that's really not good 14 of that 36 i think i made 70 000 that year okay go back to doing whatever that is what were you doing i just had more clients clients are in it why'd you go down because you're a freak because you stink because you're nasty because you're weird to be around i have to look at your teeth what's happening i've had a few clients leave because i had to move colorado sucks i had a client die well i know the one client died so we're moving to colorado by the way so this is like i feel like people i know the death so yeah they died they're moving the everything they tell you to just get away into like a normal place on instagram so i do know they're at a different state strategically posting for you oh just for that that seems way i mean i get it but why can't you replace it if you're getting those clients in the first place why are you incapable slowly i got five years i mean your rent right now is 40 percent of your take-home i got three new clients in the last month it's just a it's a slow process if i don't have the money for marketing then it makes it hard to market like i can do my instagram and stuff like that how are you capturing them in the first place um a lot of my clients i got from my last job i had already been um seeing clients for a few years and every time i went someplace they would follow so i have a lot of like really loyal clients that i've been seeing for the last like since i've started doing eyelashes in 2019 maybe you need to do some shifts at another place and just convince them to come over to you privately they can sue me for that yeah okay well we don't want another lawsuit for you i mean listen maybe they just don't want to be around you though even without the moving who wants to come to you you curb stomp someone at the bar like you're a freak you're a freak i got into a small bar fight i didn't curb stop she got that's what my friends i'm just saying what i'm told i don't know it was my sister she we got a little drunk and she was just more drunk than i thought you give a little shove and then she was your sister yes we're fine we're fine this was over this was a few years ago okay so yeah we need to find a way to capture new clients i guess like you need to you need to boost up your income because this is 40 of your take home yeah lashes good like if i do really good with my business that could be that could be yes but not if you can't bring a new client yeah and i'm working on it it's not just okay tell me your strategy you're working on what is it what are you doing i literally i have my instagram and i have my cards that i can pass out the best thing is for current clients to refer so i do discounts on that are referred um i do need to post more when it comes to my business and instagram but a lot has happened in the few a lot has happened recently so i haven't had time and i need to be i want to be able to put out ads but that costs money you have extra time i mean you're you're working 60 hours a week potentially 55 to 60 it's a lot you're working you know the income you're getting for it's not great but you have time go out to businesses that are closed and hand them out cards i don't know to do anything i'm not the uh a king of doing lashes but you specifically said you don't have time you do have time well i also have to go home and cook food okay what are you a trad wife you cooking food for the you and the man no me and my boyfriend both cook well there you go so you don't always have to cook food you can do meal prepping meal planning yeah okay whatever i have to go home and eat god forbid i have to go home i'll just say listen no no here here's the reality around this be an entrepreneur or don't entrepreneur doesn't always come with the life of comfort you do have to make choices choose that or go get a job where you can go home after your 40 hours you choose you don't get to have it both ways you're complaining wow i don't have time i have to go home wow cry bore me because you're trying to build your own business you don't get that you don't understand how much i'm making at a regular last job like the last one maybe you don't have the best career path but you do need to make a choice because right now it's just complain complain complain complain nothing nothing i feel like i have every right to complain about yeah but you don't have you're not willing to do what's actually required i've been busting my ass for the last couple years i'm sorry that you didn't see the papers from them do the papers from them even matter the papers from now is what matters and even back then you weren't setting aside money for taxes anyway because you're then why would you be on payment plans now for previous years for previous years enough like like i get i i understand where you're coming from and i apologize i keep getting mad but you don't understand how much i've where i've come from since stupid national debt relief kicking my ass i've been busting my ass i was working three jobs i did have doordash in there so what were you making in doordash uh 100 to 200 a week man i don't know you're just all over the place i would rather you just honestly i don't know who the would hire you but just like getting a job in a different field that can get you a course career certification and something that actually makes money and the trades and tech and something like that and you can actually convert that into a six-figure paying job that's what people in the audience have done i don't know i feel like you're trying to do this you're doing this you're doing this you're not actually just like focused on something that makes money well that's what i wanted to focus on the last business that can make me a lot of money if i can just get more clients and get that study and then i wouldn't have to work the second job and then i can just focus that's really what i'm trying to do but when i started all this and i tried come doing like actual traditional like google ads and it would give me like give me like two clients yeah you may not have been very good at ads i mean that's just the thing it's a whole game yeah i just launched the brand new hammer elite app available on every major platform you'll get three exclusive dedicated shows every single day monday through saturday and to celebrate the app launch i'm offering 30 off the annual plan in the month of june only plus i have an exclusive offer just for you but it's limited to the first 1 000 people to purchase for a one-time payment of 500 you'll get our entire hammer elite catalog for life and a limited edition hammer for life box packed with limited edition merch you can't get anywhere else plus you'll get access to our exclusive four-hour hammer elite day live stream on june 27th download the hammer elite app by using the link in the description or pin comment below this is the best membership you'll ever join and that's a promise if you or your child spent years growing up on social media and experienced serious mental health struggles you should hear this recently a jury ordered meta and youtube to pay millions for the role in designing and promoting hammer elite app for the first time in a long time this was a great opportunity for me to learn more about hammer elite app and i hope that this video will help you learn more about hammer elite app if you're interested in learning more about hammer elite app i'll leave a link in the description below if you're interested in learning more about hammer elite app i'll leave a link in the description below if you're interested in learning more about download the new paypal app to get started see paypal.com slash protection terms 10 being the absolute best oh when i took your thing it said three oh you took the thing that's good and you can take that thing at calebhammer.com that link is in the description below by the way and it's free you just take the assessment like she did and you can see where you stand in the world of money where you're doing poorly where you're doing great what you need to do to improve and if you don't want to be like a guest who ends up on the show it is pretty damn easy all you have to do is budget and you can budget with the dollar wise budgeting app no shake your head no learn how to budget i'm not shaking my head huh i wasn't shaking my head i was trying to imitate you i wasn't like no don't do that i wouldn't do that that's not trying to be that mean download dollar wise take the free trial see if you like it tens of thousands of monthly active users are paid members for a reason you can sign up for the annual version saves lots of money when you do you get the digital version of my cookbook and my 30 day detailed budget or my 30 day detailed meal plan and i'll see you in the next one bye bye goes over every drink every snack every meal so you have no excuses anymore to live on that $300 a month budget when you need to i will personally sign this and mail it directly to you that's for you check it out there you go now you can't make that bullshit excuse anymore me and i have to go home i have to eat at home shut up me and my man already uh meal prep dog so then how were you using that excuse earlier that i have to go home and eat and sometimes i have to eat at home you're the entrepreneur you're entrepreneur and you're trying to build this business you don't necessarily have to you can eat at work i'm not saying that's the dream life but you are choosing entrepreneur you don't get to be the office jockey you don't get to have that lifestyle if you're trying to build your own business you have to sacrifice figure it the fuck out so national debt relief we have this here and listen do not get me wrong it is okay to do consolidation it might be okay to do this uh you know and letting everything go to collections is certainly a risk now you're finding yourself in that position so bankruptcy collections national debt relief personal loan it's all good but not unless you change your behavior first or else you end up in the same situation you already were before and now we're starting to see that with you so like even for example calebhammer.com we have personal loans at low rates that people can apply to it is great for consolidation or for a personal project whatever it is if you have changed your behavior that way it can save you a lot of money if you don't you're just like you because you're because you didn't change your behavior you're not going to be able to do it if you don't you're not going to change your behavior before you did this so what happened with this yeah so i had my accounts i think it was like four or five a couple of them small the other The other one's big. National Debt Relief. I called them because I was about to have to stop making payments anyway because it was like $1,200 a month in debt I was paying, not including like bills and shit. So I signed up for National Debt Relief, and they told me to stop paying all of my accounts immediately. Yeah, let it go to collections so they can negotiate. Yeah, and they negotiated mainly with one, or two, and then they're working on the other ones, except for the other big card they decided to drop because they couldn't make an arrangement with them. They sent me three separate settlements, and they were all like, I have to give them like $4,000 right now. Yeah. Which I clearly didn't have. Welcome to settlements. Yes, which I clearly didn't have. What's the whole point of doing this then? The other one that got settled, they just started making payments on it, and that was fine. Yeah. So that wasn't an issue. So they said that there was going to be legal trouble, so they dropped it. They dropped that card completely, so now it's up to me. Okay, and what's the plan with them? Okay. Okay. So what? They dropped that card completely. I understand they're not willing to accept it for less, but if you called them, ask to get on a payment plan. Yes, and they said no unless I can give them $500 a month at least. Okay, that's not unfair. What's that balance at? I have the $17,000. Yeah, that's not unfair. $500 a month is not unfair. What if I don't have it? Potentially. I mean, I know other large purchases, $2,443. Come on. Which I would love to see what the f**k those are, because I have no f**king idea. We will. Calm the f**k down. Oh, I'm so calm. You need another SIG, you f**king addict freak. Lung cancer. Future pay. I feel like it was kind of funny you told me to calm down when I'm talking like this. Just had to throw that one out there. Didn't tell me to calm down when I was yelling. Okay, so current debt owed on here is that $10,573 down from $26,000 because $16,000 has been settled. Sounds about right. Okay, so what's your process with these? Are you on minimum payment? What's going on? What do I write down? So for the cards that are being paid through National Debt Relief, I give them about $600 a month for those ones being paid off. Okay, so yes, yeah. An extra $500 would be difficult when you add on top of the $600. How long has this been in this National Debt Relief? A year and a half. I think it was last January. Okay. And have you opened any new debt since? No, they won't let me. I have no open accounts. Thank f**k me and Affirm didn't even want me. Okay, so how'd you even get into the position where you just couldn't make payments anymore anyway that you like called National Debt Relief? So I had my two big cards, and the reason I got those two big cards was I- Two big cards? Yeah, sorry. I keep calling them two big cards. It was the two U.S. bank cards that eventually got racked up to the $15,000, and then after fees and stuff, they were like at $17,000. So those were my main worries. And the reason I had those, the first card I got, I got that card at $5,000 so that I could go to school because I didn't have a car. I didn't have a car. So I- So what is a credit card for then? Lyft. So that I could go to school. That I could get to my- Why didn't you take out a $5,000 loan on a car? It was a credit card. And because I asked for a credit card and they gave it to me. That was the amount they gave me. Why didn't you ask for a car loan? A car loan? I didn't have, I didn't have a license. I didn't get my- Why not go get a license? I've been in a lot of car accidents. Oh. And I did not want to get a car. So you've had a license? No, I got a license at 27 years after I went to school. Sorry if I was- When was that? When were you in school? I was in school in 2018. Why didn't you bike to school? It would have been like 45 to an hour a minute bike. And I have to go there- Why didn't you live closer to school? I didn't have the option. That's where school was. I was living close to my job so that I could take the train. I worked at Sephora. Okay, you can work at a Sephora or other place closer. I mean, come on. That's a retail. Work at a different retail place. No, it was in the beauty industry and it looked good on my resume. Sephora on your resume. When I'm going into the beauty industry, don't ask. Yeah, go yourself. Shut the up. Oh, I'm sorry. Work in retail at Sephora. I didn't realize that you were the master of the beauty world and you know how that works. Pretty good resumes actually. I'm actually halfway decent at that. And when I'm starting off in the beauty world, having a- There was no, there wasn't a single beauty retailer near your school. Bullshit. There was obviously beauty retailers serving that customer base there. There's a King Soopers. There you go. It's a super yourself. Yeah, I'll go work at a King Soopers while I'm trying to get into the beauty industry. I was getting trained at that Sephora. You're telling me there was nothing trained at Sephora? Yeah, dumbass. There was a bitch that would show up once a week and teach us about skincare and the products that we were supposed to sell. There was no beauty supply store of any kind serving the entire student and professional base near the college. I don't know. There literally was their school of Sonic- What was the school called? What was the school called? Stacey James. Stacey James what? Institute, esthetician school. They're a cosmetology school. I went there for aesthetics. So I had to have that first card. And order because they did not have a bus that went over there. Okay, was it in the Southeast side or the West side? I don't know, it's in Parker. I don't fucking know. Is that Southeast or is it West? How the fuck, I don't know. Oh my. Just know that I don't live there. Parker campus. Okay, it's Southeast. Oh, sorry. I didn't have my compass with me. You don't know your town? Okay, surrounded by that. I just said I don't live in that town. You had a nail store. You had a- Nail store I can't work at. Skincare store. I wasn't licensed. I couldn't live there. Lash store, waxing store. I can't work at those. All I'm just saying, even if you're working front desk, at least it's on your resume just as much. Okay, salon, let's see. Just a couple more blocks over, you had Stylish Beauty Collective, Precious Beauty Lounge. You had Jbeauty, MedSpa. You also missed the fact where I had to- Beauty salon. But I had to go to- Sephora. Sephora right there. I had to go- That's two blocks away. Hey, Sephora's two blocks away. If that's just freestanding, those just opened up. Freestanding was not a thing when I was going to school. They were all inside the malls. Either way, there was Kohl's, there was Beauty Refined, Beauty Tribe Salons, Precious Beauty Lounge, Glamour FX, Color and Beauty Room, Lash Company. Again, you're missing the part where I had to go from my apartment to school. Very good, what was your address? One zero- Is it the same address as now? No. It's like down the street from my house. Down the street? But they did not have a bus at the time because everything ruined the bus routes. So I had to take a Lyft in order to get to my apartment, over to the school, and then from the school to work, because I literally went to school in the morning and then worked. I worked until 9:00. That was your, that was your, okay, by the way, a 17 minute bike ride is what that would have been. My God, there was no way that's a 17 minute bike ride. It passes. So here's the fun fact, it's a 17 minute bike ride. Like that's what it is. It's like 20 minutes down Lincoln. You see, you're an excuse victim in everything. This is what happens with people like you. You are just like everyone that comes on the show. You thought you weren't. Yes, you are, a 17 minute bike ride. It's there, it's there. No, it's there. You can't say it's not. That is it. That is it. Also, even if not, even if not, I'm not saying do an hour walk, but you could have. If you were literally maxing out a $5,000 credit card. I've been doing that since I was 27, dog. You act like I don't know how to walk. I had to go. Then there you go. You didn't have to max out a $5,000 card. I had to go from house to school, from school to work. I'm not just gonna like, oh, go find another job for the six months that I was there. You're right, bike ride. Instead of maxing out a $5,000 card, yes. I'm sorry, I just have a bike with all the shit I need. Yes, what do you think people do? Yes, people do that. People do that. I have walked and taken buses my whole life. I am so sorry. Then you could have done it then instead of maxing out a $5,000 credit card. Oh my gosh, you victim piece of shit pathetic. Oh, I'm so victim. Blame me because I didn't own a bike. But did I say bus, did I say bus? Yes, you maxed out a $5,000 credit card. You could have gotten a bike, an electric bike by the way. Absolutely, for like 1,500 bucks instead of 5,000 hours on lifts. Yes, pathetic baby child. Shut the up. You're not a victim. You made personal choices. You failed, shut up. I'm trying to tell you that I did it. I'm not, I didn't say I was a victim. I figured it out. But you're still saying you couldn't have. I figured it out. I got my ass to school. You told me it was a 45 minute bike ride. That's not true. I said it was a 45 minute to an hour walk. I never mentioned bike ride. No, you said bike ride earlier. She said bike ride. Did I say bike ride? It's confirmed, yes you did. Reverse, reverse, reverse. It would have been like 45 to an hour minute bike. There it is. Play it back. We did. I don't care. And you got. It's fine, I messed up. 45 minutes to an hour walk. Why? I don't have a bike, so I don't know how the I would even say bike. What? You could have gotten a bike. It was a slip of the tongue. With a 5,000 hour credit limit, instead of maxing that out on lifts, you could have gotten a bike. Shut up, you're. You are. Okay, what are you, my middle school teachers? Jesus Christ. Your middle school teachers called you your? Yeah. Maybe that makes sense. Maybe they should have put you in the right class. They did. So that's why you're gonna be working as an esthetician for the rest of your life. You act like that's not respectable. I went to school for this. School. Beauty school. Beauty school. Shut the up. Well, you're all about doing certificates and doing trade schools. Esthetician is such a, it takes a while to make good money in esthetician land. Plus you're only focusing on lashes anyway. I've been opening other stuff. I started doing facial waxing. Not many women go into esthetician, such a maxed out market. Sure, yeah, I don't disagree with that. It's heavily saturated. Yes. And most people give up and you wait for those to give up because a lot of people can't handle this industry 'cause it's annoying. And then the other big card? The other big card I caught out as a dumb ass because I thought that I needed it for my business. I took that out for the business. Oh, you 20%, 30% credit card on that. That was insanely unnecessary. Agreed, insanely unnecessary. And then I took out a loan to pay off my student. This was like the same time. I took out the loan to pay off the rest of my student loans from the esthetician because- What were your student loans? I paid $10,000. Yeah, but what were they? Like interest rate? Oh, I have no, they weren't trying to- What, they didn't take out a personal loan for it? No, no, no, the FAFSA, they weren't trying to- They weren't charging- You took out a loan to pay off your FAFSA? Yeah, and FAFSA wasn't doing any kind of percentages because- Why'd you take out a loan to do that? Wanted a gun. Oh, you're teaching- And I didn't take out a loan just for that. I was using the other- What does a gun have to do with paying off student loans? No, I wanted a gun. on dumbass but it wasn't it was a different loan you moved into a different loan start they're about to start putting interest back on student loans yeah it would have been like four three percent i don't know what i've been okay i was a dumbass i didn't understand percentages at the time and i will admit that yeah no shit i was dumb i didn't understand percentages was i didn't understand no that's not a joke actually i didn't know the percentages i didn't understand them at the time and i'm trying to admit that okay okay how was that bad well i mean it was bad but how was that you also took out another 15 000 loan in order to help with the uh with the debt and the business again that was the loan so that was later the debt that was that that was the loan i was just talking about the credit card and the loan i got basically sick but you applied well you're just getting wine drunk as you always do yeah that's again not a joke you still do that you don't understand sarcasm jesus christ what you're the one that's a sarcastic laugh dumb shit you saying it's not a joke i'm aware it wasn't a joke that's the sarcasm man lack of oxygen that high up in colorado's you're done dude you're that's if that's your version of humor the fake laughing that's we should have kept you in the class i graduated all the way through huh said i graduated somehow they were done with my ass you know how easy it is to graduate now it's like nothing it's nothing even graduating college is nothing the only reason they let me in high school is because like no child left behind or some shit like that they didn't want to hold my ass behind or some shit like that uh either way you were signing up for all that well wine drunk but yes it's the the banks who are predatory right god forbid i had one glass of wine doesn't make me wasted jesus it's the fact that they let me do let you what do you mean let you you can do anything you can go buy a gun and kill yourself right now is it the gun's fault no you could go get in a car drive it into a human is it the car's fault no it's you you could go do anything is it because they let you you go jump off a cliff is it the cliff's fault no then it's not their fault either you applied you spent that they had partial fault with making it way too easy dude it's easier to do a thousand more bad things that apply for debt right now like lighting up a cigarette in this room that's easy you're giving yourself cancer you gave me cancer go yourself you piece of shit didn't give you cancer calm down and then what you chose to do with it is still your choice in the end you took it you went to go to go to vegas and see what you got and you're like oh my god i'm gonna die when we are young tour i don't even know what the that is oh it's a big emo fest oh blink 182 and shit we're there oh my goodness one of the worst bands i've ever seen live oh my god you're so lying oh my god no that's not true i'm over exaggerating i saw them at acl and it was definitely uh kind of boring they played a good show that time we got to see them twice at acl no into it oh when we were there yeah i don't know is this every song sounds the same it's like i won't disagree with a lot of the songs sound the same green day was there too and i won't lie that there's kind of all sound the same but they're amazing and i i'd rather see green day i mean i like uh i like that what was the first one we just showed on blink 182 i like blink 182 but my goodness i don't know it was just like it's just like i just needed to hear like four this episode is brought to you by paypal you know how a mom's bag has everything sunscreen snacks a stapler the new paypal app is like that but for your money shop pay manage your account and earn rewards all in one place and with purchase protection on eligible items biometric security and pass keys you're protected at every step download the new paypal app to get started see paypal.com protection terms songs and then i'm i don't know i don't know i'll give you that but and i don't disagree but you used the deck that was tourism to apply for but you still chose to go yes green day and blink 182 in vegas i just really wanted to go because i wasn't gonna be that's not the bank's fault though yeah i don't blame them i don't know i don't necessarily blame the bank but you have been i said i blamed them 25 to 50 percent what else did you use your loan probably tattoos yeah 26 in one year using your loan for 29 but that's only if you count that's only if you count each of my finger ones as a different one so 29 then okay okay or not but even still you're using the debt for that the bank did not make you and now you're national debt relief because you're pathetic i don't necessarily like it sucks because i necessarily don't regret the tattoo because i just love them so much they make me just feel so mean me so i know that's even worse that it's yeah deflection deflection deflection never your fault and just like that you also blame your friends for enticing you to go shopping to entice you to go thrifting enticing you to go drinking at the bar it's you you're still choosing to yeah i guess how much have you spent on tattoos i actually don't know uh me and my friend were trying to figure that one out because just my chest piece was 15 hundred so i don't know it's like what are we doing with our lives looking red as you'd look cooler with tattoos maybe i'm afraid of needles i mean i i also i'm afraid of needles i hate getting that many that's fine i'm open to ah or a couple fully tattooed or heavily tattooed is not for everybody yeah i'd say for the vast small you haven't come to colorado okay so u.s bank that's securing settlement two u.s banks this one was a small balance of three or two you could have just paid that uh it went that's actually going to get paid they keep calm they keep saying you could have just paid that before even doing this yeah it went same with the 985 from customers bank uh uh the that one yeah so i know i was paying that one off slowly i just didn't have much to pay for that one the one that was started off as 300 it went to ended up being 600 because national debt relief did tell me to stop paying on it so that was crewing fees but they just recently sent me something in the mail they're going to pay me for it so i'm going to pay for it so i'm going to settle for like a hundred dollars so that's going to get this one makes more sense of the usa bank of our u.s bank of 10 025 that's chunkier yeah that's even worse than that yes as you mentioned yeah it's kind of with him and fairly so you owe your boyfriend 1 600 that he put on his credit card and it has hurt his credit card so far and it's pissed him off it did uh and that's what is uh his credit because he's very good with uh my bad uh he's very good with having that paid off well that's why we're going to call him in the post show um but what the f**k are we doing why are you not paying him back quicker why are you still having wednesdays funs days when you owe your boyfriend and you've hurt his credit and that's kind of disgusting and selfish and bitch behavior and that's why i was going to admit to maybe giving up one of the vices no you need to give up all vices until you at least pay him back because you've credit because of your irresponsible behavior of being able to save up an emergency fund to be able to take care of the situation when your car did break down now that your car broke down it's good though now yeah yeah she's running okay then drive more uber eats every single second of every single day that you are not working you are driving uber eats and then i don't necessarily encourage this attach your card of your esthetician to every bank that's actually funny if you want to land a high paying job but don't have experience or a degree then you need to learn about course careers it is the easiest way to land the high paying career that you've been dreaming of i've done financial audits for hundreds of people and what i've learned is that the single biggest fact that someone can take to improve their life is getting a higher paying job and that is why i've been such a huge promoter and even an investor in course careers the way it works is you simply go through an affordable online course to start a new high paying career path they teach many different in-demand jobs ranging from technology sales to accounting construction project management the trades like electrician plumbing hvac supply chain and many others that can be done remotely and the coolest part about course careers is their platform works for people who don't have any previous experience or degrees their courses teach you everything you need to know to land your first entry-level job and they have a 100 free introductory course for each career that teaches you all about what the job is like how much money you'd make and how exactly to land your first job was starting from scratch click the link below to sign up for one of their free courses today that's kind of 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 a $200 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 um i the reason i stopped doing door dash is because i feel like it was putting too much miles on my car and that it was the reason that i broke down i know when the producers were talking to him so we were seeing if he could get on the post show he said i don't know if i can get on So did you dodge the bullet that you guys haven't gotten married? That's not a good sign. He did joke about, he even said that one to me. I don't even know if that's a joke actually at this point. It probably isn't, but he did say that. No, you're not willing to sacrifice wine, cigarettes, weed, thrifting, anything just to pay him back. Not even for a couple of weeks you're not willing to. It's kind of disgusting. I am going to pay him back. It'll get paid back. Okay, you could have already. The reason that, no. When did you borrow this? This just happened. This literally last month just happened. Okay, you could have paid back half by now. So no, and the reason why is because he told me that I am going to pay him back, obviously. But he said that he also wants me to get, make sure that the other debts that I paid. Sure, I agree, but you have Wednesdays, Wednesdays instead. So, go f*** yourself. Like, that's, you didn't follow his desires regardless. But I'm gonna, that's gonna get, it's gonna get paid. I'm gonna pay him back. Why is it always gonna and never is? It's always gonna on the show, never is. You thought you weren't like the others on the show? You are literally identical. - How was that more exciting for me to be like, it's already paid off. like that no or i'm at least already paying i have money in my savings account so that i could pay him back i am working on it do it you weirdo what the f**k that's gonna pay him at the end of the like get month and then pay him like a monthly situation so what's your monthly situation uh we haven't picked up uh like an actual like he was gonna pay but i'm gonna give him 150 that's why we need to call him dude it's just excuses it's cope it's such bullshit can't do anything so yeah boyfriend if you're watching this well i guess i'll tell you in the post show you did dodge a bullet because it gets worse apparently because anyone she actually gets related to she borrows more 2 500 to uncle yes for what possibly why pathetic i bought my car from my nanny and he gave what from your nanny yes my grandma do you have a nanny oh so no no no sorry my nanny papa you know i thought you guys were son um so uh the reason i still owe him that is i was paying him back in pretty large time for i owed him eight originally um and then i uh gave him yeah i gave him it was like the blue book at the point at the at the turn um and i had like really little mileage why did you just borrow from family for everything why can't you do anything on your own i didn't have a grand i was never saved up money you've never done anything though so and that's where like i never thought that saving money was ever uh feasible for great and then your family had to pay for it my my uncle he offered that he he was he never gonna give me the car but my nanny ended up wanting money for it so that's where he not unfair yeah which i don't i don't disagree but so my uncle's dealing he's handling all of that and sure you paid it down from the eight but you're not making payments currently um i gave him fifty dollars last month i'm hoping to do 50 again wow i was paying him three hundred dollars a month last year exactly that's my point it's pathetic so 50 bucks i'll put down he should he should charge you interest how long have you been paying on it three years good death woman good death i'm not happy about it trust me he's like the only one in the family that did amazing so i feel bad taking advantage of that yeah it's gonna take you another four years just to pay it off at your current pace that's insane seven years for a car from nanny that was nine thousand nine thousand seven years from nanny what's wrong with you actually it is it is actually kind of gross my uncle gave nanny the money so she's not waiting the money my it's my uncle yeah and it's gross because you're still having wednesdays fun days i mean i can't just sit in the house all day don't get me wrong you don't have to go spend money though on booze weed cigarettes thrifting go to a park read a book go to the library go somewhere and watch youtube i don't know just like there's so many things you can do play games with people board games get on why not not nerd that's fucking i'll play board games throwing out katan like all right calm down it's actually it's like the most basic nerd game it's it's very mainstream these days you're not even getting barely even nerdy with it i suppose the only people i know that play that go to the game stores and every time i go there with my friend if you're going to the game stores to play katana you got some weird shit going on there's the game coffee stop shores stores so they do all the board games and shit yeah that's yeah that's like a whole different situation not that i'm making fun of the nerds but i gotta make fun of you because because of what you're making fun of me i gotta throw up you know i gotta use my brain and things i do instead of just drowning it all in weed alcohol and cigarettes yeah got me nailed it again a man who's never understood addiction i guess what do you mean i've never understood addiction my aunt that borderline raised me every single summer died of being an alcoholic but have you it's very close i understand addiction i also understand the consequences of the addiction of course i saw my dad quit cigarettes when i was growing up i understand addiction i have my own addictive personality i understand it and that's why i started going into these different things and i i get it you can't tell me i don't understand it no i've never had it no but that's not the only way to understand anything that's not the only way to understand what it's like to have a kid what it's like to have a debt what it's like to serve what it's like to do anything truly understand you'll never be a hundred percent but you can get pretty damn educated and listen to experts in those spaces to know what it feels like yes you can listen to other people you're not the only one that has experienced that you're not the only person i've talked to i know quitting nicotine is incredibly difficult alcohol incredibly difficult weed even more difficult than people are willing to admit these days but you're making it sound like it's impossible because i have no idea and i don't think it's possible i just think that you're really making it seem like it's the easiest in an hour and a half when we talk about your entire life everything sounds easier than it actually is in reality welcome to a short conversation but it doesn't mean you shouldn't work to do it like i don't understand your point here i don't disagree with that and you're still choosing that instead of paying your uncle even a hundred dollars a month because you're more wanting and willing to go spoil yourself again i just think the reason i was saying that is because i feel like i've quit smoking like a million times the second never worked the second something stressful comes up it's the first thing an addictive mind thinks of and again it's just like i mean can you at least do sins or something i'm sure you're killing long bad is that the shit you put in your mouth yeah you're just killing your lungs that's my concern that's sick vaping's not good either but it's objectively better than cigarettes yeah 10 years we might not say that maybe not but cigarettes we know are one of the worst things you can actually do yeah and you think i don't know that well you're the one doing it so i don't know maybe you don't dude there's people with holes in their throat that are still smoking on that way and i'm not saying i'm not what i'm trying to say look at you when you smile oh jesus christ you're the one doing it showing those pearly yellows i'm a teeth smiler i'm so sorry uh okay yeah you haven't paid him in months you started with 50 again soon but you're still having wednesdays funs days wonderful what's this what am i looking at oh no oh that's what i owe sky ridge what's sky ridge sky ridge is the hospital um that i got taken to for my seizure okay when did you start having these little tweak sessions uh my first one was at 18 but my last one 11 years after that was the last one i had um that caused me to go to the hospital was that four years ago uh two less than two years ago that's scary that's scary so you're saying stress causes it i have a test being done when i get home good i'm glad you're taking that care of i definitely want you to deal with this medical issue this is obviously more important than finances your life your life comes before that and see that's how you can tell that in this conversation when i've been shitting on you for being financially that i'm not going to be that i am reasonable when it comes to this because your health will always outweigh finances in my brain so but it doesn't excuse all that other shit you're making your life more stressful but just preventing you from getting out of debt though it's really hard so you owe 1996 uh yes and that's not including the ambulance bill on a payment plan at the hospital because it's pretty damn easy i did and i was able to pay for a few months and then i had to stop to pay other stuff what is the monthly payment i think i was only on like a 50 the the lowest they would have me on was okay and then they haven't bugged me since i got off so it's kind of been in the back of my mind um and then the ambulance bill i don't think i had a paper for because i actually don't know how to i needed the piece of mail with my huh for the ambulance yeah i have an ambulance how much is owed on that 1400 that's the next page i don't have an actual bill for it because you have to have like well and 900 to your new neurologist yes i'm down to 280 on that one actually well that's good is there a monthly payment on that 100 and then the new payment is to my other neurologist when i get my eeg yeah i gotta do it listen again health comes before ah yes and i want you to be alive so ambulance so that's owed to lone tree fire department okay and if you've contacted them about a payment plan uh yes i paid them i think a hundred dollars uh and it wasn't like a payment plan it was just a uh be able to pay as you go and then i was able yeah after that first time i couldn't pay any more because of all my other okay well bills hopefully we can start making progress on that soon but we'll see i haven't gotten um another notice from them lv funding llc what's this lvnv well it's collections but oh for how much is that the big one yeah that's the yeah that's the one that's the second big credit card that was not being handled by that's the one that's suing you yes that's the one yeah i think it's fair to see you when it gets to 17 it's actually worth it at that point yeah exactly so when are they going to any claims court if any they haven't sent anything in yet i have been trying to contact i might be trying to just scare you first maybe they won't find it worth it in the end but that's a risk because that is a dollar amount where it actually might be worth it yes i agree so i've been trying to amount they were willing to accept from the uh national debt relief their final offer was a thousand dollars a month which i just can't do and then when i call them separately now that i'm detached from them they want me to pay four thousand dollars up front and then pay it but i and then it'll be settled right uh they want me to four thousand and it's done yeah they that's incredible they want i don't have four thousand dollars to just give them and then it's done that's not a payment no i agree but we can work to get the four okay we can work to get the four that's the play so we'll figure that out okay here's the checking account yeah my checking accounts are pretty stupid i have like three of them for no reason pretty much what yeah so confused just connect this to dollar wise you'll see everything i'm so this is so pathetic cause dollar wise that shit costs money you don't got money kind of but the thing is even with a monthly subscription which every budgeting app has because it costs money to connect the accounts every single time costs us money the margins are not as good as everyone thinks if it costs 50 bucks a month or like 7 bucks a month if you do annual but you save hundreds a month by budgeting I think it's worth it I'm not saying in the long term but I don't when I'm looking at my bank account I can't justify spending like $7 $10 on a app don't get me wrong is it stupid you can if it saves you even 50 it saves you 20 you make the f***ing margin and I agree it's stupid that I can justify a little knick knacks because you're going inside somewhere and getting $40 you stopped at a place and just swiped your card where was it it's hard to say we blacked it out for privacy reasons it was probably the grocery store doing some Venmo maybe at $40 even I highly doubt it ATM would draw $43 where'd that go that would have paid for multiple months $43 ATM that's weed there we go your weed could have paid for a budgeting app for 4 months so f*** yourself bullshit excuses cope f*** off you pathetic you pathetic worm I mean it helps me Wendy's $35.38 yeah that's really good for your health for someone I didn't have f***ing Wendy's well you certainly did f*** you can't remember anything because she's blazed and drunk out of her mind every day I am sober as f*** right now no one believes that oh honey everyday bullshit well actually no no no so okay Wendy's was $10.63 that makes women every day was $35.38 every day every day what's every day I don't f*** what is wrong with you is this money you don't even know what's going on you're stopping in and you're getting bullshit for six blocks it was probably a gas station then $6 what were you getting it was probably Red Bulls yeah yeah I knew that was coming well yeah it's cause one Red Bull's like shit to be clear but this tastes 10 times better it's not even comparable 40 cents a serving make it at home just like you're meal prepping now gamer subs that's a goony thing I just gave you a random one I mean I'll take it thank you oh yeah it's 40 cents a serving get your free samples to figure out what flavor you like with code Caleb link in the description below gamersubs.gg and then when you figure out what flavor you like just order those tubs and it's 40 cents a serving so make your make your energy drinks at home like you do your coffee it'll save you a lot of money and it honestly does taste better it really does every guest admits it many in the comments have already admitted it Venmo you're purchasing something through Venmo $3.00 in a cent sometimes wait how much $3.00 $3.00 or something yeah I probably did something stupid with that I don't even know what I would put on Venmo almost like you actually have money that you could be putting towards but you're choosing not to go out through Venmo so it could have been me using Venmo to fund my other bank account because it's a really confusing situation with my bank accounts no it was a purchase then it was some dumb shit I don't even I don't purchase anything through Venmo like McDonald's $6.13 yeah I did that and then I stopped in the gas station got some energy drinks like that's just like yeah and I just like I like to go to the antique stores and those stupid thrift stores and like sometimes it's only like a $3.00 Polly Pocket but then I'll what the f*** you call me Polly Pocket what is this what are we talking about you never knew a Polly Pocket a Polly Pocket no I don't what are we talking about I was just asking did you not know a Polly Pocket I don't know a Polly Pocket well I have so I have 50 of them I'm trying to explain my Polly Pocket so they're basically like a little compact from the 80s that has like little cute little dolls in them I'm really into miniatures I'm trying to explain with little cute little miniatures in there when you need to build up your team to handle the growing chaos at work use Indeed Sponsored Jobs it gives your job post the boost it needs to be seen and helps reach people with the right skills, certifications and more spend less time searching and more time actually interviewing candidates who check all your boxes listeners of this show will get a $75 sponsored job credit at Indeed.com slash podcast that's Indeed.com slash podcast terms and conditions apply need a hiring hero this is a job for Indeed Sponsored Jobs doesn't she sound like Kamala sometimes do not come god I can't now I'm gonna have to go and watch videos of her and then hate my life but like I got my why are you so racist against her I'm not racist against her why do you care if you sound like her because I don't want to be some dumb politician I'm not against her views I'm against sounding like a politician you just have the same nasally annoying voice she has son of a bitch now I'm gonna be all self-conscious you should be okay so Polly Pocket yeah I got my Polly Pockets they're like little mini dolls they're super cute and it's hard it's just something that makes me happy I know that's stupid but then I got my Tom and Joshies they sent me some pictures thank goodness because you were not explaining this very well um okay they're very creepy weird and I don't understand it almost a little pathetic of you so like little little miniature dolls are they sending you the right ones or are they sending you the big ones I don't know I don't know what's going on I don't know what's going on but it's a stupid really stupid you spent $70 on one of them and you have 50 of them like what are we doing it was from the 80s dog it was from 80s who gives a fuck you owe your family money it's just you know like I said it's just dumb impulse control like we went to the thrift store and there was like over 150 year old like sewing machine and I know that's the dumbest thing ever but it's like well you owe your uncle and boyfriend money yes that is the dumbest thing ever you selfish bitch yeah yeah yeah went and got some bullshit went and got some bullshit total wine and more glug glug glug glug glug uh ATM withdrawal $280 where'd that go oh it was probably from one bank to put into the other bank via ATM not transfer yeah I was really dumb I didn't realize I could do that well so you didn't realize that at 31 so I didn't realize I could use Venmo to transfer because if I transfer from one bank to the other it takes like five days oh my f*** $20 Venmo who knows purchasing I think it's an energy drink again $13 bullshit energy drink a little arc thrift bullshit Amazon I mean it could be worse I haven't boughten boots in a while I'm like I'm on recovery for buying boots it looks like an actual chode somehow that's crazy that's insane what the f*** is that I look like they look like a chode like like a chode version of a boot absolutely there's something weird going on you got some energy drinks got some energy drinks or ATM withdrawal Amazon heirloom antique well the cigarettes aren't even on that one because I didn't smoke in January at least I don't think so shit I think when the car broke down that's when I started smoking again so at least there's no cigarettes on there again coping mechanisms the moment something bad happens you destroy your life ASCP oh that's my esthetician insurance CF United go f*** yourself CF United United Healthcare oh okay fair enough yeah and then small management fee because you don't have enough money in there pathetic yeah so yeah the US banks ones get weird because the US banks okay this is income and stuff yeah it's mostly income Spotify, HBO Max salon you're spending money on salon you're spending money on I don't go to the salon it's salon centric it's where I buy supplies okay then it is not $50 a month because that's $2.40, $2.40, $2.40, $2.40 $2.40, $2.40, $2.50 $2.40, $2.40, $2.50 what? your margins are f***ed if that's so dude this was all January so they charge that's my studio they charge me $2.50 a week and then it adds up to $1,000 a month that's my studio rent I hit five times in one month by the way but yeah that's brutal oh f*** you overdraft fees $1,000 so with the US bank and that yeah you got some waived but still $1,000 so US bank when I because I don't know why I still have it's a stupid reason I still have that bank account I was told to jump trips from US bank after I joined National Debt Relief and then I switched over like 90% of my stuff and then I guess I got lazy so US bank something will take out of there and then I'll just fund it so I usually don't I don't ever not ever I had to happen but I usually don't get up I'll tell you what you never fund your savings it's $100 yes for the US bank one I just keep it in there because for some reason they won't let me close it unless I am days away from okay so everything's pathetic got it yeah understood you can't do anything you're incapable of anything I mean I wouldn't say that I would I would we don't see payments without the LVNV you know out from payment whatever $800 what's your portion of rent again $1,200 $1,400 $1,400 your portion of utilities how much plus internet I do internet the 14's including utilities but internet's $100 you pay $100 mm-hmm boyfriend takes the energy and shit like that okay income was $36 have to set aside money for taxes phone bill how much I pay $64 but the Xfinity keeps trying to call me and I covered under them so I think I'm gonna get it for free okay well I'll put a $64 for now until you figure that out I'd also do helium for $15 of mine a line I guarantee you the coverage is good and there as long as T-Mobile is okay gas broom from drive drive how much I'm up now now I would say like $80 car insurance car insurance car insurance is $190 no wait $170 sorry necessary food you can do $300 for yourself meal prep meal plan throw it to the grocery budget TP fund because you got extra weird things going on $200 anything else you need to survive that's including your wine and weed and cigarettes you freak you put them in there I'm not giving you additional budget for that but I upped it so you can put shit in there medical health care how much on the co-pays and stuff on a monthly basis so I have my pills those are $40 okay a month and then I pay for them like I said $100 for the neurologist and then I'm about to have to start making well that's in your emergency payments yeah and then I have to make when I go and get this test done next week I believe I'll have to start paying them about $100 a month I'll put that in debt making that debt now $900 a month but and how much is that going to cost I can make it a balance I actually don't know yet it's a three day long EEG so okay well we'll figure it out $100 $400 you'll just have to incorporate that I'll put that in there cross it out for now, bring it back down to $800, just have to incorporate it. So medical debt, $40,000, subscriptions, I'll try to put $40,000. You figure it out. Do you have any pets? No. Thanks. Anything else that needs to be in this budget that I have not taken into account? No, I don't believe so. Okay, and you have money left over, so you can't tell me. I have money left over? You have money left over. That's after you set aside 30% for taxes, by the way. You have $406 left over. We'll call 400 to keep it even. Jesus Christ. I didn't actually expect that. I was expecting you had to tell me I had to go bankrupt. You don't have to. It might get you there quicker, but you haven't changed your behavior yet. And every single time something bad happens, you immediately destroy your life. So I don't know if you're someone I'd want to get a clear situation with. But that might be $300 a month because you might have a $100 minimum fee payment. Yeah, I mean, I would pay your uncle and boyfriend back immediately, which you should be able to do in a few months. What is that? Seven months, maybe? Eight months, maybe? After that? Save up $4,000 as quick as you can, which you could do in like a year or so. And depending on what your minimum fee payments are like at that time. And that will allow you to pay off that massive collections thing. And then from there, you're doing that $600 until the national debt is paid off. So you're just saving up a fully funded emergency fund. Whole thing, I'd say about three, three and a half years. So no, I would not do bankruptcy at that mathematical thing. Try to make more money, obviously, of course. And that will accelerate that process. But fully funded emergency fund debt-free outside of your minimums to national debt will be three and a half years. And that's not bad. Then you're 50-30-20 for the rest of your life. 50% on needs, 30% on wants, 20% on savings, which is mostly investing at this point. Because, I mean, you'll probably need a new car, but you need to invest to get some retirement going. But you need that fully funded emergency fund. Okay, we'll call the boyfriend of the post show. But let's get the hammer financial score first. Spending in a budget you overspent. Shocker to no one. Zero out of 10. Debt collection, zero out of 10. Emergency fund, there's nothing. Zero out of 10. I don't know what you put in to get a three out of 10 on the website. But retirement, zero out of 10. Real estate, zero out of 10. Because you have nothing there. Well, I did it like three different times. And I swear it asked different questions than this. Well, yeah, the questions are, it branches off on stories based on your answers. So, yeah. My bad, I did not realize that. And if you were getting different questions every time, that means you were answering differently every time, which is really bad. No, I took it two different times and I got the same thing. So, it was through the same. You said you were getting different. Okay. No, no, no. Whatever. Get yours at CalebHemmer.com. Your score, shut the fuck up, is zero out of 10. Zero out of 10. Join us. I'm going to call the boyfriend. We're going to have to confront this whole situation. So, it's going to be a good post show. Join Hammer Elite. Three premium shows every single day, six days a week, including an extra 20 minutes of this episode called the Financial Auto Post Show. I'll see you there. We went through her spending. I know she owes you bucks, but she's choosing her own fun. You know, I don't know how. It's crazy. Yeah, I need to process that. Plus, I have an exclusive offer just for you, but I'll only have a thousand available to purchase. Download the Hammer Elite app by using the link in the description or pin comment down below. For a limited time, you can get a Big Mac Mew for just $8. That's a burger, fries, and a drink. They don't call it an extra value meal for nothing. Get a Big Mac Mew only at McDonald's. Price and participation may vary. Promotion pricing may be lower than meal pricing.