F*ck This Pathological Liar | Financial Audit
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The NBA playoffs are here, and I'm getting my bets in on FanDuel. Talk to me, Chuck GPT. What do you know? All sorts of interesting stuff. Even Charles Barkley's greatest fear. Hey, nobody needs to know that. New customers bet $5 to get 200 in bonus bets if you win. FanDuel, America's number one sportsbook.

21 plus and present in Illinois. Must be first online real money wager. $5 deposit required. Bonus issued is non-withdrawable bonus pass that expires seven days after receipt. Restrictions apply. See full terms at fanduel.com slash sportsbook. Gambling problem? Call 1-800-GAMBLER. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You are a liar. I'm not a liar. The numbers are the numbers. I need you to listen to me. I don't care. That's the one thing. I am not a f***ing liar. I am not a f***ing liar. What the f*** are you talking about? You don't know what the f***.

you're talking about. Either a moron or a liar and we've discovered it was a liar. Download my budgeting app today and take control of your money once and for all. And for a limited time only sign up for the annual version of premium and get my cookbook and notebook signed and mailed directly to you. Link in the description and pin comment below. Hey my name's Pandora. I'm 27 years old and I live in Orange County, California and you're watching Financial Audit.

That's such a pleasant intro. What a pleasant intro for what is probably, knowing this show, going to be a non-pleasant conversation. So thank you for the slight bit of joy that I get to feel. Well, let's get into the pain. What do you do for a living?

I recently just got two jobs, and I work in the beauty industry as a social media marketing manager as well as like a digital marketing manager. So two? Yes, it's two. And these are separate? Yes. Different companies? Yes. Technically three because one's like equity-based, but— Is it for the same company or different companies? All three are different companies. Well, what's the other? What's the equity-based one? Cosmetics. They're all cosmetics. Okay.

It's the job. One is a influencer. No, the equity one. Yeah, that's what I'm saying. I'm not paid. I'm paid in equity. What's the job? I'm a social media manager. Okay. So two social media managers and one brand manager. Is that what I heard? Yes. Okay. Let me give you my official titles because it's a little confusing. The joy is immediately gone. One is a social media manager and influencer manager. Cool. Let's start with that one. How many hours a week?

30 minimum, but I go up to like 60. What do you make? Zero. Is that the equity one? Yes. What's your equity? I'm not allowed to say necessarily. Can you give me a range? Five digits. No, no, no, no.

No, that's what it's worth. Is it a publicly traded company? Not yet. Okay, so bull**** basically. Yeah, pretty much. No, no. Like, do you know like percentage-wise? Like no more than this percent. No more than 20%. That would be insane for a social media manager. No more than 20% better be like 2%.

Well, they like really value all the work I put in because it really extends. And they don't value their sock. Okay. No, they do. And this other job. Let's start with number two. Number two, I am a social media manager, more for community engagement. How many hours? Minimum 10. And they have asked me, are you comfortable with exceeding that? And I said, yes.

What do you make in that job, that barely hobby of a job? $30 an hour. Yeah, but 10 hours a week. It pays my car payment, and I'm okay with that because I need— Is that our minimum acceptance and achieving the survival of life? Okay, sure. Okay, so $500 a week with that one. Before taxes, I'm sure there's not much with it, but—

Third job. Third job. I am the lead project manager for multiple accounts. Sounds exciting. Let's hear how it's not. How many hours a week are you working? 20 hours minimum. There it is. $35 an hour. How many hours a week do you work? You keep giving your minimum, which is great, but how many hours a week do you work? I just got signed on like two days before this, so it's starting at 20 hours minimum.

Okay, $35 an hour. And you manage accounts, but there's no commission, no retention commission, no signing people up commission. It's just flat? It's a flat. And the reason why it's flat is because that's not in my remit to onboard. It's just to help the process of bringing an idea to execution for beauty brands. Okay, so I'm going to assume not much is taken out in terms of taxes, but of the $1,200 that hits on a weekly basis, let's say you walk away with a...

Well, hold on. No, this is also being funneled into my LLC and it's an S corp. So I'm taxless. Is there contracting positions? Yes. Everything's contract.

Oh, for f***'s sake, are you setting an adequate amount aside for taxes? For f***'s sake, what is wrong with everyone? What is wrong with everyone? What? Why? Just why? I haven't had the chance because I haven't started these jobs. Wait, you haven't started the 10 hours a week job yet either? I just started it yesterday. Tell a couple f***ing weeks ago. I did not have...

I didn't have a job. I just resigned from a huge position. When? In February. What was the position? Digital and social media manager. What were you making there? $100,000. And you resigned? Yes.

I had to. I was in the position where I resigned for, and I chose my mental health. That's what I did because I had been there for seven years. Will your mental health be better if you're homeless? Because here's the thing. I'm good with leaving a job, but you got to have something lined up or a very chunky extra emergency fund to give yourself the room. I did. I did. When you say did, does that mean did as in it's gone? $10,000 saved. I'm sorry. I had so much money saved. That is not, listen, that is, what? What?

What's your minimum expenses? Everything together. A lot. Yeah. How much? On a monthly basis, do you even know? Do you even know? You probably don't even know. Do you know? I bet you don't know. No.

It was close to like $3,200 in monthly baseline expenses. Okay, so you had like a three-month emergency fund. Yes. That's your extra, super-duper chunky emergency fund? Fuck you. Like, that's not. Six months is what we go for minimum. And I was going to suggest if you're just going to leave a job without something lined up, 12 months, so you give yourself six months to find something. Yeah, but if you were in my shoes, you would have been like, I'm choosing myself. I'm not. I'm done. That is a part of yourself, though. I agree. I agree. If a job is not working, if it does not agree with you,

Leave. That's what I did. But you buy it with the caveat. No. Have something lined up because you're going to f*** yourself. And then your mental health is really not going to be good when you can't pay rent and you have all these fees or you get evicted or a car gets repoed. I was willing to take the f***ing risk. Well, you took the risk and now you're on this show, which means things are not going well, which means choosing yourself is f***ing yourself. Because we really don't allow people on that aren't in that position. Yeah.

But at the same time, like, I am so much happier as a person than to... That's how you lose the roof. Well, you have jobs now, but I'm assuming you've drained through that 10. Yeah. I'm at like 3,000 now. So what now? 3,000? 3,600? 3,700? We'll see. What's the plan? What the f*** is going on? No, I think I know what's going on. Why are you here? What's your intention?

I am a recovering shopaholic. And to be truthfully honest, like painfully honest, I am afraid of what damage I could do in my life. And so I... What the f*** do you mean? I have these... Damage? Yeah. Like, I have these crazy impulses and financial, like shopping impulses. Is that why you buy Play-Doh lipstick?

That's mean. That's mean. And these were gifted. I hope so. You're unemployed. I'm employed now. Okay, keep going. So I am just like naturally just afraid of what damage I could do because I will get in these mental positions where I'm like, forget it. Like, I'm going to go do what I want to do because I want this. I want this now. And then... How often does this happen?

Not that often right now. How often does this happen? When I had that six-figure job, a lot. So now that money's coming back in. I'm getting ready. It is more like, oh, this is like pent up too at this point. No, no. Oh, come on. I have, I have. Okay, how often while you're making six figures? At least once a month. And what does that look like to you?

Like $1,000 I would just like dump out. $12,000 a year, you made $100,000 before taxes. So you're spending probably close to maybe like 20% of your net income on just shopping sprees. But it's not like just clothes. It's going out. It's being with friends. It's eating. Which we can budget in if we don't have debt. But we know you have debt. You just bragged about being able to make your car payment. Yeah. So...

I felt at that time I had the financial freedom and I... Felt? Yeah. For my lifestyle and for my needs and my expenses, like, I had some extra to spend, but I... Did you have bad debt? In, like, my car. But that's it. That was it? So the credit cards have built up since leaving? Only a little. Only a little. Only a little. Come on. You got credit card debt. Barely. Like, I mean... Barely? You have no respect for money then. Thousands is not barely still. I don't. But...

I do have respect for, uh, like some stuff, I guess. I don't know. What? I have respect for like, you know, at least I shouldn't say respect. I am mindful. I am mindful when it comes to like spending in certain areas. You say shopaholic. You cannot control it when you go. I can control it. That's not f***ing shopaholic-ing. But before, like I am trying to keep it together now, but in my past I was f***ing

When you had a job and then you didn't have a job and maybe you were able to manage it better. But now you're going to see income coming in again, which means you're probably going to fall back to not being able to control. That's why I'm here is because that income is coming in. It's much less than that six-figure job. You're not even going to set anything aside for taxes. You're going to see that as spending money. I know I have to. I agree you have to. Trust me. I have QuickBooks to help me with that. Singing the position of this show.

That doesn't mean you will. I will do it. I am confident in that. That's where I just need the hard lesson of just like, you need to do X, Y, and Z. I can't keep relying on friends and family to be like, you should do this. You should do that. Because I get nowhere and I get so lost in the mix of opinions where if I have the hard lesson from someone who doesn't know me but can be like, Pandora, you're being, do this.

I'm like, oh, okay, I can do that. But if my dad tells me, I'm like, whatever. Love you, dad. So why are you in debt? Because I make some bad choices. But why? You just gave a whole f***ing splurge that sounded relatively reasonable.

Well, at least compared to some other people on this show. So what the f*** are you talking about? I have impulses. And I'm just scared. What's your impulses? Because you just said you were able to control them like a minute and a half ago. I have impulses at times. Go on. Like just being a part of the moment. I'm very generous when I hang out with people. I hate when money is the obstacle of just...

with the group or if someone can't come hang out, I will foot the bill. You haven't been making money for months. Well, that's a pretty... Two months. That sounds like an obstacle. I don't want money to be the obstacle for somebody else. It is, though. If you have to cover them, that is an obstacle.

When you don't make money. It's different, though. I feel like it's just different when I'm, it's just like I feel selfless. I'm trying to be selfless when it comes to like hanging out with my friends. It's good heart. It's just dumb.

I don't agree with you. It's not dumb. You don't agree with me that it's not dumb? You're draining your emergency fund? You're draining your emergency fund and it's not dumb? What the f*** are you talking about not dumb? That's the dumbest d*** ever. It means someone gets to hang out and have a good, like, for example, this past weekend, my partner's friends came up. They were visiting for the first time. My partner. My partner's friend, like, best friend. Screams rainbow.

No. Oh, man? Yes. Okay. Yes. I say partner just, you know, just this. Most women on the show are gay these days, so I don't know. Okay. Well, I'm not. Don't be homophobic. I'm not homophobic, Caleb. But his best friend came up with his partner, or yeah, who's also a woman, and...

His best friend's a woman? No. His best friend is a guy who brought up his girlfriend. It's their first time visiting us in our town. Okay. And we took him out to breakfast. We showed him all around town. And because, like, it was our...

vote of like, hey, let's go out for breakfast. I picked up the bill because like we ran a $200 tab on, you know, every, you know, breakfast item. And I was trying to be like welcoming and nice. Like, enjoy the moment. I want you to marinate. No job. So that's an emergency.

Yes. I'm a nice person and I want people to enjoy their time with me. But it's not an emergency. I don't care if it's an emergency or not. I know money will come in. So you use your emergency fund. That's not how that works. That's not true for everybody. I already knew I had two jobs coming in. Coming in? It wasn't coming in yet. You're still draining your emergency fund. I don't care. You don't care? I don't care. Then what the f*** are we doing? If it meant that person...

had a good time and they enjoyed, they ate, they're happy. Our straight partner's best friend's partner. That's the person we're draining our emergency fund from. This is so your car breaks down. What if your car broke down while you're unemployed? I would have...

The money, because I had the emergency fund. Yes, unless you didn't, because you drained it down to three in two months from 10. Caleb, I need you to listen to me. That's the numbers. Is that not the numbers? I don't care if it's the numbers. What I care about is the experience with my friends and the people.

And like, you can't tell me you wouldn't have been generous if you were making the same amount of money that I was back then. If I was in survival mode. I wasn't in survival mode. You should have been. You were unemployed. I know my baseline expenses. I know how big my emergency fund was. Yeah, $3,000. No, my emergency fund was over $10,000. It was this last weekend. It was this last weekend, you said. Yes, okay. It went down. Whatever. But my point is, my point is, is like, people got to have a good time. They got to not think about the money. We all went out to breakfast. What?

Aren't you like for the experiences? I am. And I have a job. I can budget it.

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and in the budget i don't drain my emergency money will come back that's not how it works all the time all of my finances that whole month were paid everything was fine i was okay with allocating the 200 dollars from that and you know what you don't have an emergency though what if it was okay to them what it was okay to them great good for them it was okay for me for them to see because you got lucky because you got lucky

No emergency happened. If it did and it was more than $3,000. Then maybe we shouldn't call it an emergency fund. Maybe we should call it the fall fund. I don't care. But that's not what it is. That's not what it is. That's what it is to me. It's not an emergency fund. I don't care at this point. They got to have a good time. I enjoyed myself. I enjoyed their company. Offensive for no reason. Okay. It's stupid. Could they not afford it?

They might not have been able to. I don't know. The girl was from Vietnam,

She was visiting with him because they met in Vietnam. What does that mean? Okay, good for them. So they come here for breakfast? I don't know their financials. And so I had offered because I know my financials and I could extend the $200. Well, I know they could pay for travel from Vietnam. Well, I don't know how expensive or how... International is not cheap. It's none of my business. I don't care. What I cared about was the moment. I care that you had an emergency fund and now you barely do. You didn't even have enough of an emergency fund to quit your job.

Well, yeah. But I, at the end of the day, like I just... She accepted that one at least.

I just wanted them to have a good time and not. I know what you wanted. I am not against the heart of it. I'm not against the want. It is bad for you. You got lucky and you still haven't had pay and you won't get paid for a couple of weeks. No, I'm submitting my invoices tomorrow. And they already like, they're, they said like, please submit. We'll pay you for the month. Like I, I'm sorry, not tomorrow. I submit it for May. You said yesterday was like your first day. Yeah.

Yeah. What the fuck are you talking about? So you're barely going to get, you'll get paid like $5. Woo. It's not $5. It's like $300 for one job for a week. And then like. You just started. I know, but like I'm submitting my May invoice. Oh, you get paid in advance? Yeah. Like just for this scenario of like when they onboarded me and when I started. Like I'll tack those extra days of the end of this month to that invoice and then include that month in advance. When does the money hit? Yeah.

I have a net 15 on all of my invoices. So within that bracket when I send it. When does it hit? I don't know. So you might be joining your emergency fund even more. And that's the thing is you're spending it on someone else's some Vietnamese breakfast. Okay, great. It's not a Vietnamese breakfast. We went to a normal breakfast place. She's just from Vietnam. She was cool. And like it was her first time in the United States. So I just wanted to, you know, make her feel special and...

You know, take care of her a little bit. I'm not against the hard part. I just, I don't think you understand the importance of an emergency fund and the risk of it not being there. So since you have a partner, how long have you guys been together? Two years. We've been together two years. Are you relying on each other? Not financially, no. Okay. We have everything separate. Well, guess what? He probably would have stood up and helped you if you drained it all the way to zero, meaning you're honestly just letting him be your safety net.

I don't rely on him. Not rely, but what would happen? No, I would never ask him. Really? If you had no money, couldn't pay rent, we're about to get evicted, he would not help? Even without you asking? He would if I did not ask. Exactly, so there's that little safety net there. And that's allowing you to f*** around. No, this is where I would not ever think about a safety net coming from him in our relationship. But he would. You have that extra support system.

And you're just able to f*** around and buy... I wouldn't ever rely on him, though, in that respect. No, you're not asking, but you know it's there. But at the same sense, like, with all due respect to him, like, he doesn't necessarily know about all of my finances and everything that's going on. So I don't... What the f*** does he know? He would never... You guys have been dating for two years. Why isn't there any communication? Are you guys going to get married?

Wait, you guys don't even talk? No, we do talk. We talk some about finances, but I would never share with him like, hey, I'm at rock bottom, come save me. Or say, hey, I'm at rock bottom, just wanted to let you know, but don't do anything about it. So he would allow you to get kicked out on the street? No, he would watch me grind my ass off. Why don't you guys live together? Huh? Are you guys going to live together soon? We do.

Oh, so there's a safety net. He'd cover rent. No, he wouldn't. I would never let that happen. Not in a million years. I would never let that... I would run to my father. I would run to family members. Okay, more support, more support. I would run and pull out of my ass before ever looking to him and saying, can I have some of your money? I am not that person in my relationship. What you would take from others? I... Well, I know...

That my dad would understand my position and I know he would. Your position is you decided to have fun while you were unemployed. You were fun employed. I'm not having like all this fun blowing my emergency fund on just random bullshit all the time. I have your statements. I'm not doing it all the time. You were not employed during these statements. I have your statements. You can't get out of a fucking lie. I'm not. So how it's going to work. Yeah.

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K-I-K-O-F-F dot com slash Caleb. Don't let bad credit be the problem that is holding you back. And check out Kickoff today. Thanks again to Kickoff for sponsoring today's video. Let's get back to the episode. That's the one thing. I'm not a f***ing liar. I am not a f***ing liar. And you know what? There is one other income I did not talk about. A fourth income? Miss Laney's $1,000 last month.

Going out to eat. $613. In that time, I was also working for an only f*** model and doing her social media management. Wait, you were DMing? You were being the DMer? Not entirely. What, reposting tits? No, I was using her accounts for like...

posting on her like Instagram and TikTok. Of course, it was like fully clothed. It wasn't nudity, but she was giving like sex tips and stuff. But when the account started, it didn't take off as fast as the agency was hoping. And so they pretty much discontinued it. But I never really had any people going like, here's... When did you do this? How much did you make? How long? March for three weeks. And I made $250. Wow.

And I have not gotten paid yet. So $1,000 of miscellaneous bullsh**. Spending $615 of going out to eat spending. Yeah, you are a liar. I'm not a liar. The numbers are the numbers. I'm not a liar. It was a lie. What do liars do? They lie. Or you're ignorant. I'd rather be ignorant, but I'm not a goddamn liar. Well, you'd rather be ignorant, but I don't know which one yet.

You spent minimum $1,615 minimum. We have more to go through. Way more on bulls**t. Straight up bulls**t. Things that do not just go out in bulls**t. $1,615. We know that when you were making zero or at the best $250 for an entire month. Not draining your emergency fund of bulls**t. That's bulls**t. That's a lie. That's a lie.

And you need to recognize it. You know what? I will own my mistakes. There it is, then. There they are. This is what I'm talking about. Hey, lady, here they are. Those are the mistakes. And your mistake was you lied. Whatever. I'm not a liar. Then why'd you lie? I'm not a liar. But why'd you lie?

I'm ignorant. I would choose ignorance. So you didn't know that you were going out swipe, swipe, swipe, swipe, swipe, swipe while you're unemployed. You had no idea a month ago. I knew what I was doing. A month ago. Okay, so you weren't ignorant. I knew what I was doing. So you were lying. I would not. So you were lying.

You told me you were not doing anything and I said, "All this money I'm funding during your emergency fund with that." Oh, but you did. There's some things that I would like, yeah, okay, you know what? I'll meet you in the middle. There are some things I would splurge on, few hundred bucks here and there. So she's changing her statement.

Yes, I am changing my statement. I do acknowledge you spent money knowing that I did not have income. However, there is a moment in time where like I had worked my fucking ass off for seven years. At that company that you left? No vacation. No vacation for seven years. I gave them tears, sweat, and blood. I could get emotional over it.

Dude, it just sounds like you're fucking working. No, it's so much deeper than that. And I gave them my everything. I respect the grind, but I don't like jerk people off over them. I'm sorry. Yeah. It's like you didn't take a vacation. A lot of people don't take vacations when they're in. I did. Here's the thing. I did take vacations, but they never let you take vacations because they'd call you. They'd text you. Hey, you know, Pandora, we need X, Y, and Z. We need this. Was it a small business? Not. I mean, yes and no. How many employees? Ten. Ten?

It's really hard because that means you are likely an individual contributor. And even though, yes, we want you to take a vacation and we want that, if you're gone for a week, that lightly can shut a lot of things down. Now it's management's responsibility to try to find a way around it to disturb you less.

But in a situation like that, in a small business, it is harder. It is. I get it. I get it as the person who runs this small business and our business is larger than that. And it's when someone takes time off and we want them to, it is still difficult that maybe something didn't happen. Maybe it wasn't fully prepared and a DM is required. Yeah. Whether or not you want to. And here's the thing in all of it, too.

there was a period in time in that seven years where I was okay with being that resourceful person and being, you know, reachable. And I had, you know, there was times where I had reassured the team. Why are you crying about it? You were grinding. We all grind out at our job for a while. Well, because there's some trauma in it and there was some, there's a lot of stuff in it that's like on the emotional side. But in terms of just,

The hierarchy of everything. I grinded my ass off for this one business for seven years. I left abruptly. And so for the first time in two months that I had no job, I off and did whatever I wanted to do. And I don't say that. But then you had the budget for that. I know. And I did it. And also, you told me that's literally what you didn't do.

And also, you told me that's literally what you didn't do. What, five minutes ago? Ten minutes ago? I don't know at this point. So, it's like, okay, which one is it? Are we deciding? Are we just trying to look good? What are we doing? So, we need to have just a fucking reasonable conversation here. I need to know where your brain is.

I made mistakes in the two months that I did not have a job. And that is the person that I am afraid of when I get when I have these new jobs with these new incomes. Yeah, I'm afraid of it too. Letting that person bleed into. Especially since you're not going to make as much. Yeah. You're not going to make as much and you have to set 30% aside.

What are we talking? What was it? $1,000? No, no, no. So $30 for 10 hours minimum right now plus the $35 an hour for 20 hours minimum. So $1,000? Did I get that? $35 times $20 plus $300. So $1,000 a week? Yes.

Times that by 52, divide that by 12. We're looking at $4,333. But after setting 30% aside, we're looking at making $3,033. Not great for Orange County. That's why I'm here, because I want to restructure my finances so I can...

At a certain cost of living place, though, there is little that just a budget can do. You can't live in Manhattan on $50,000 a year and a budget will just fix it. You have to be in a rent-controlled situation from 50 years ago where you have to sleep with a rat. Who knows? Or you just have to make more money or you can't live in Manhattan. I don't know what situation this is. I do have to highlight that this is the minimum amount that I'll make every month because I also have my own business where it's a...

social media, like digital marketing, social media agency that will bring in the additional, hopefully, income and potential clients. But I'm not relying on it. I'm not relying on it in this conversation. Just in your own mind, now that we know if you're lying to anyone, you're lying to yourself, until you come around and say the actual truth, what did you spend your money on in between then and now? In the last two months, part of that money has gone to...

The foundational stuff, but I think the most important to highlight is... What's foundational? Like rent and my car payment. But in the last two months, it had to go to an attorney because I hired an attorney for a lawsuit that I had to be a part of. For f***ing what? I can't speak to it too much, but... It's ongoing? Yes. It is. I mean, I'm not a part of it anymore. I was brought in as a witness, but there was... And you had to hire an attorney? Yes. Okay.

Yeah, better be safe than sorry. Yeah. What did it cost? $6,000. How'd you pay it for them? A firm. Oh, you f***ing affirmed a lawyer to be a witness? Oh, for f***'s sake. I had to because there was not only just a witness. I had like him overview a lot of contracts to make sure. So this was for work? Yeah.

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Not me, but I was worried I was going to get in trouble. And so I hired the attorney because I needed a third party. Again, it sounds like potentially this place was a good place to leave. And I support that. Spend a little time grinding. You already did it for seven years. Call six months more. Save up more money and then leave or apply to jobs like it's your second full-time job and leave when you get an income.

Even if it's less of an income, that is okay. I couldn't, Caleb. I couldn't. I had—I felt—not that I had. I felt that it was in my best interest and for my future and my mental health that I needed to get out now, get a goddamn attorney to protect myself. Why couldn't you save up more money in the seven years you were there then? You only had three months set aside. Because I spent a—

ton of money from bad habits. Actions, consequences, and then you're dealing with them. I know, but I want to grow as a person. That's why I'm here because I'm scared of that. Stop with the, that's why I'm here. Such an annoying trope. I'm not, like, I am right now trying to get to know you, trying to get where your mind is at. That helps us as we go through the financial situation. I'll get you a budget. I'll give you some tips. I will set you up with a f***ing

All the resources we can. I'll put you all through our classes. You get the premium version of the budgeting app. Therapy with Sondra Bynum. We'll do anything. We'll do anything. I got that. Okay. I cannot fix your absolute problems.

You, though. Yes. I can't fix that. I am not a therapist. I'm not asking you to. I can maybe readjust your mindset on certain things. I just need to be called on it because I will lie to myself, as you've seen through this little tidbit. But if you recognize it, why aren't you doing anything to fix it? When I recognize flaws, I try to do something. Well, I thought I did, and then I had this income come in, and then I blindsided myself. What? No, no, no, like this six-figure job. Yeah, but that was for the last seven years.

Yeah, but it kept growing over the last seven years. You couldn't adjust in seven years? My expenses never changed. From 20 to 27, you could not adjust anything. I did. I used to be much worse. I used to be a freaking monster spender. Like, we're talking up plus $40,000 in credit card debt. I don't have that now.

I've changed in that regard of like hyper spending or hyper focused spending. Would you say you're living paycheck to paycheck now? No, absolutely not. I will be probably after we go through the numbers and the new budget with this income. Pretty damn close. All right. Well, where do you think you are in the world of your finances? Zero to 10, zero being the worst, 10 being the best. Five. Five.

How the f***? Five. You're draining your emergency fund. When I took the Hammer financial score... When did you take it? Two months... A month ago. Like, when I applied. I was a nine.

And I was like, there's no f***ing way in hell. Did you take it correctly? That's what I was asking. You own a house? No. You wouldn't have been a nine. Well, that's why I was like, is it nine out of 50? And like, I don't know if I read it wrong. I pushed something wrong. Yes, you probably didn't get to the final score. It was probably nine out of 50. You probably saw that part. Yeah. You're probably a two. Guys, if you want your Hammer Financial score, take the assessment. Figure out where you are in the world of finances at calebhammer.com.

Or head on down to the link in the description below. Also, make sure you download my budget app, guys. Thousands of people are taking advantage of it on a daily basis. New people. And they are signing up for it. They are changing their lives. And remember, when you sign up for the annual version of Premium, I will send you the cookbook where you can't get it anywhere else. I will sign it and I will send it directly to your doorstep. All right. And if you want to be on the show, make sure you apply at calebhammer.com. All right. Let's go into the numbers.

What the f*** am I looking at? Camera, can you tell me what the f*** am I looking at? New camera, new angle. Tell me. There's nothing here. There's not a balance. Is this a debt? What are you? I don't know which statement you're looking at. Neither, because it is not a f***ing statement. It's not a screenshot. Like a meme. Oh, this is the recent one. This is my Delta American Express. You're spending it on it like f***ing crazy. You're spending it on it like f***ing crazy. Okay. So you're an Amex. Mm-hmm.

So balance. Right now? Around like 5,000? 3,000 in emergency funds. No, actually not. It's really 2,000. For fuck's sake.

But that's where I do have to disclose my attorney fee because I did not think I was going to get called into the actual hearing. But you affirmed that, not American Express did. Well, no, no, no. There's a 5,000 affirm retainer that I had to do to hold him for like all of my contract revisions, all of that stuff. And then I didn't think I was going to get called in as a witness because I was just subpoenaed to be a part of a deposition. And so he had to attend.

And when they said, oh, no, you're going to be a witness in this, I had to pay extra to have him attend. How much? Um...

I believe it's now $2,200. So the question is, one that's only half, but the question is, if you had to put $2,500 on a thing when you only have $3,000 in emergency fund, no f***ing income, no idea when the income's going to be coming in. Hey, let me continue. You don't even know and you have to be able to pay rent, but that's about to be drained by the time you get paid again. Okay, great, great, great. But we have a credit card that's really only we have $500 now because $2,500 on a credit card, $3,000 in emergency fund, payments coming whenever. I don't know, but we got to do our expenses. So what do we decide to do? What do we decide to do? We double it to $5,000?

In what world does that make sense? How do you double to $5,000? Brewing. Let's go get f***ed up. Brewing. Mid-journey. We're paying for f***ing mid-journey. Liberty Sports Bar. Stellar Brew. All we do is get drunk and f***ed up. No, Stellar Brew is a coffee place. And then caffeinated the next morning. Well, that's different. Main Street Pizza. Wait, wait, wait, wait, wait. Edward Ordrizen Restaurant. Two of those. Two of those.

compassion. Are you going to justify it? Give me compassion on this one. Two of those, I took my friend out who just went through another court hearing. Not my girlfriend, like my friend. My girl that's a friend. I'm not dating a woman. I took her out. She just went through court. She had to appear in court. She was a victim of domestic abuse. Stop with these court things. I can't. I was just helping. I was being a good friend. And then during the hearing when we had a break, I took her out to coffee, helped her out there, got myself a little something. It was a

fucking rough day. Okay, so you can justify one thing out of a thousand. Two, two, at least the two. Out of a thousand. I took her, we went to go get a drink after and I was like, of course, everybody offered to pay and I'm, you know, I just, I hate this. I don't hate it. I love being the person where it's just generous and just like helping out in the moment. Well, stop, because that's also for yourself. I don't want to. But exactly, because it is a want. I would rather bust my ass and work out

10 different drugs. There is a psychological argument that it says that, you know, a lot of the gift giving, a lot of stuff like that, the self-intention, a lot of it comes from selfish behavior, though, because it's making yourself feel good. It's not like you're doing a bad action. Don't get me wrong, but at least recognize that it's because it makes you feel good that you're doing all this, but you're still hurting yourself.

I, there's, that's, you hit the, honestly, like you hit the nail on the head of like self-harm in that way. That's not necessarily a core character trait of myself, I feel, but it has been a lingering demon in my closet. You know what else is lingering? Distant brewing. Premium. That's for you. Well, thank you. I appreciate it. The ads actually give me more money, but that's okay.

Yeah, I do that. Australia Hoff Restaurant. Distant Brewing. Membership? Is it ours? Yeah. You have the membership to ours? Yeah. Okay, then this is the battle. This is the mental battle I have. It's like, it's a business. It's good. But what? Also, I'm like a big fan of the show. But you're dying. You're dying, dude. I don't feel like I'm dying. It's like adults should be able to decide what is best for them and we should be able to put out the products.

I feel like, I don't know. You don't even subscribe to the good version. You subscribe to the post-show version, which is fine, but the elite version has like so much more content. Well, I was telling your team earlier, I was like, I really wanted to subscribe, but like I was worried that it was going to be like a point of contention in our conversation. But we had a free month. Oh, I didn't. Remember a couple months ago? We had a free month. Oh, I didn't. Oh, for fuck's sake. I'm sorry. That's okay. Athletic thing. That's my gym membership. Wings. StubHub. StubHub! StubHub!

What? It's for my boyfriend's birthday. Your boyfriend's f***ing birthday? No, because he deserves to be treated well on his birthday. Good suckers. No. Well, poor him. I don't like, I would, I want to take him to Vegas for the first time. Like he hasn't been since he was like six. Vegas?

I don't care. You don't care. You're a fan of the show and you don't care. F*** you. That's what I say to the fan of the show. F*** you. No. You don't care. I care. I care. I want you to do well. You're a human being that exists. No. No.

Why can't he have a good birthday? Maybe his parents should pay for it. Maybe he can pay for it. Maybe you can get a job. Maybe you can make savings. Maybe you can stop f***ing yourself. Who says I didn't save for it? Or that I'm not going to save for it? Maybe he's able to enjoy his birthday by not doing something extravagant. It's not extreme. Or like, we're going to go see a show. You're traveling to a different state in a different show in a different city. Come on. It doesn't have to be that. It doesn't have to be that. Trust me. You should have seen what I did last year. As the fellow man, a back scratch happens.

Boom. Birthday gift of the century. Well, you know what? I appreciate the feedback, but I would like to... Okay, well, we're going to bring him into the post show, especially since he doesn't know your finances. So, fucking, you'll see that because you're subscribed. I would rather treat him to something great and an experience. Congratulations. You don't have fucking money and you're not going to survive and then you'll never be able to treat him again. That's not true. What the f... They said you spent $7,000 on his birthday last year? No, that was my dad. Wait, who... Wait, what? You spent $7,000 on your dad's? Yes.

I had the money at the time. $7,000. That was about a month's worth of your income. Yeah, because it was a month's worth of fucking income. That one sucked. Because it was a month's worth of income. But you know what? What the fuck was the birthday? It was his 50th. It was his 50th birthday. And nobody else was going to throw it for him. And I took it upon. Your mom's not there? No, she passed away. Oh, okay. Just kidding.

Damn it. I'm sorry. It's okay. But I had the money and I wanted to... No, he's not remarried. You know what's scarier than financial audit with six-figure debt? Leaving your family unprotected because you kept putting off getting life insurance. We think we're doing all the right things to plan for our family's future. Savings accounts, cutting back on spending, college funds...

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He tried. Sorry, Dad. He tried? He tried. What happened? It's just like two personalities that I feel are not meant to be together, but they kept trying. So what the f*** $7,000? The venue and the food. What was it? It was a restaurant and it was a private like...

How could this possibly cost $7,000? Open bar. Why is this like a wedding? What the f*** are you doing? Well, it's an expensive town that we live in, and it was like supporting a small business. And you need to learn how to do cheap things supporting a small business. You're a small business now. Congratulations. The other one was going to be $15,000. Great. Let's choose the neither of those.

Well, it was also a surprise party, so I couldn't do it at the house because it's his house, you know. Oh, do it at a park. Do it in a McDonald's. Do it anywhere. I wanted to give him something that not only he could remember but appreciate and his friends and his coworkers. That'll put you in a hole and now you can't survive and it's great. I knew. I put myself in a rough place. He's seen his failure of a daughter die. But I did not. He would be very proud of me. And he is very proud of me. Does he know your finances? Yes. Yes.

he knows that you're about to be broken like a second. Kind of. I've worded it differently. Right. Yeah, that's a good way to get someone's proper assessment of what they really think. Manipulate them with your words. I'm not a manipulator, but I definitely care about perception, which has also killed me in the past. Well, if you manipulate them to perceive you different, you are a manipulator and a liar. Yeah.

It is what it is at the end of the day. It is what it is. What was really cool is that he... You just, it is what it is. It is what it is. We're being called a manipulator. Okay. It is what it is. Wonderful. My dad got to enjoy his birthday in a very emotional window. I'm not against the heart of it. You have to understand what I am saying. It is your uncontrolled...

Uncontrolled spending you are not able to do these things that you want to do you are pretending in that situation that you made $300,000 a year you are now living like you still make $100,000 a year and you make $0 right now so this like I'm not against the heart if you can afford it if you can budget do it no one can budget one month's income to a birthday party well I had budgeted what's actually crazy is I had budgeted

six months in advance because I booked everything in advance so I could sprinkle it across my expense sheet.

It's a birthday. It is a f***ing birthday. I love planning s***. I am such a good... I should have been an event planner. But, like, I love planning s*** for people that... Why couldn't you have planned a better unemployment emergency fund then? I thought I did. You can't plan anything for yourself. You can only plan for others. I put $10,000 aside. $10,000 is three months of your living expenses. And then the attorney happened, and that took me out from underneath my feet. No, no, no. It's not the attorney stuff. You put that on debt. Just your living expenses constitute three months. $10,000. $10,000.

I want to give to my family too, but again, you just have to budget. You're just living off of, like you make $300,000. But, you know, I just, I would give anything for my friends and family. And I'm also being asked by my grandmother for $10,000. What the f***? To her unemployed granddaughter? Yes. She had asked me for $10,000. What is this old b****?

Doing? She is not a bitch. She is not a... She's a nice lady. What is this old bent doing? I'll give you that. But she is... She had asked me for $10,000 for her website because she is a caregiver. Yes, she's a caregiver. She's 82. She cares for the seniors. What the fuck? She is a hardworking immigrant who has never... From Mexico. Mexico.

And she has not stopped working a day in her life since she was in sixth grade. And part of her venture. Yeah. No, she takes her vitamins. She's all about drinking her vitamins. And she is like a steel horse still. But so she wants the money to build a website to be a resource to other caregivers. And she thinks that that website. Why can't she just go on Squarespace and like.

She doesn't know better. And I'm trying to teach her. Yeah, but why can't you go on Squarespace for her? Oh, I'm trying to teach her. And I'm also trying to tell her because she goes so... She asked her unemployed granddaughter for $10,000, though. I told her no. I told her no. Yeah, but she asked for that. I know. Well, you know, she might be a little tone deaf. It's okay. She's old. I'm, you know, it is what it is. Old people don't get...

They're like, they're old. No, but they get desperate. And she's trying. Is she desperate? She's very desperate. She's desperate? She's poor? Very poor. Why? Reverse mortgage on her condo. Oh, she's been working all her life, but she did not save anything for retirement? Because she put all of her money into her own entrepreneur, like her own business. And she sank. The risk of it. A few million in that. What?

What? What, the caregiving business? No, this was for another venture on, like, disposable toothbrushes that she thought she was going to... Oh, what the... Isn't every toothbrush disposable? We all told her no. Isn't every toothbrush disposable? It looks like a mint, and you pop it in your mouth, and, like, you roll it around your mouth, and then that's that.

and then like you spit it out and throw it away but because they were plastic not environmentally friendly the government was like we're not going to buy this because our men overseas are not going to use this or men and women overseas are not going to use this

And we're not going to litter all over. Oh, for f*** sake. We all had the same reaction of like, God damn it, woman. Like, please stop. She took the risk. I mean, that's the point. I mean, that's the point. But that risk also jeopardized all of our family's finances. I know. Because now my brother and I are getting ready to supplement that reverse mortgage when she dies. Sometimes the entrepreneurs stuff and like many of the wannabe entrepreneurs on the show, a lot of it comes with, it's not just them. It's risk on people around them. It breaks my heart. But that's.

That's the position I don't want to be in. But she had the opportunity to do that, and she chose to do that, and now she has to deal with the consequences. No, don't give her $10,000. Of course not. And she should be ashamed of asking her unemployed granddaughter for $10,000. Did she ask everyone? She asked my father, too. Yeah, he said no, because he also— I have one younger brother. Did she ask him? No, because he's like 21 and in college.

She asked her unemployed granddaughter. That's the reason. And my brain, I didn't ask her why she didn't ask him, but I told him and he was like freaking the f*** out. It just sounds like your family kind of rubbed off to you or just bad with money and then just different ways at this point. I don't know. Yeah. I think one of the worst habits I got from my family's generosity is when...

When we see a potential job offering or a potential client or like another small business that's like a family friends, we'll buy that product or, you know, support them that way. Yeah. And like one of the companies that I tried to support was this clothing brand that for two months they had dragged me on of like, we'll give you a job. We want to expand to the U.S.

They weren't friends. They were a potential employer. A potential employer. And I wanted to, like, check out the quality of the product and, like, experience what the customer would experience. And so I bought, like, $500 worth of clothes over the course of a month. And unfortunately, some of the quality is just right. What is the minimum monthly payment of the Amex? I don't know. For fuck's sake, pull it up then. Can I get up my phone? Yeah. Yeah. It is...

Oh, apparently you used to be fat. Good job. Yeah, I was a big girl for a long time. How much do you pay? A month?

For that medication. Ozempic, yeah. I paid $550. Oh, jeez. But I used to pay $25 before they rolled out the coupon, and then my insurance would cover it. I turned 26. Then I got booted off my dad's insurance, and then I lost my job, and I stopped. Didn't lose. You quit. Yeah, I resigned. My minimum monthly payment. Is that not the same as quitting? No.

It is quitting. Yeah, it is. I say resignation just... Was it a government job? No. I worked for a niche fragrance brand. I don't know what my minimum monthly payment is because it just says zero. First of all, it's $5,833, not $5,000. So it's worse. Yeah. What is Wade... Okay. That's the attorney. Did you talk in and out? That was for... LinkedIn!

I'm canceling LinkedIn. Optimum. Internet. Distant brewing. There's Mozart. She went to Mozart's today. The coffee. It was great. No, actually, the coffee's not that great. I loved it. But the view and aesthetic is incredible. Oh, my God. And those homes across. Coffee's a bit on the bitter side. They overcooked that shit.

I could see that. It was pretty good compared to at home. That's fine. Tell Orange County to stop being stupid. Facebook advertising? $1,646? Oh, that was from my previous employer. So that credit card used to be on their company account for Meta. But do you have to pay that? They paid it. I already paid that off. They reimbursed me, but they would use my card. It says plan it. It doesn't say it's paid off. No, you should see there in the transaction. It's at least in here too. Oh, okay. I do see that. Yeah.

Okay, just answer another restaurant. I was just going to restaurants every second of my life. You're right. I can't see a f***ing minimum of payment. And what in the world? Credit limit $32,000? No. Oh, f***. So scary. I'm not. I don't believe you. I did before. I had a really bad past. I don't believe you. I used to get up there. Nope. I'm going to guess it's like $300 a month.

Okay! That plus those epic plus car parents. Hold on. I never pay the minimum monthly payment. I tell you, run out of an emergency fund before you get paid. I pay in full. You don't seem to understand how money works. No, I do. You can only do that until you don't have any money and you are this close to not having any money! Give me this. It sticks. Stop that. It does stick. Give me this.

Oh, don't delete the app. Not deleting the app. What app? Oh, I think. What app would I be deleting? I don't know. Delta or Amex or whatever. I don't know. What the f***? I don't know. You're swiping. I don't think deleting the app is going to do anything for you. Looking at your subscriptions. Well, you're unemployed. Fun employed. Oh, is it not working? Why do you have a phone? I just dropped it by accident. Stop. But it's insured. I pay for the insurance on all of my stuff. Great. It's sticky.

I can't get into your subscriptions. It won't even let me. It's so that I won't even let you look. Here, I'll show you. It's not. Here. Oh gosh, this is, oh, it just went. Here you go. It's loading. Two Apple Cares. One's huge. Yeah. The MacBook, you don't need an Apple Care for a MacBook.

Come on. Unless you're just throwing it. Apple Music, it's a bit expensive. Apple TV Plus, it's great, but it is money when you're unemployed. I should cancel that one. Ben Verify, definitely don't need that. Come on. No, my cousin uses it. I don't give a fuck. Make them pay for it. You're unemployed. I know, I know, I know. It's $42. But at the same time, she's single, going on dates. I dare. Okay, I do. Make her just pay for it. Just make her pay for it.

I do need to ask her, but I haven't. She had Facetune, then she got skinny and she deleted. No, I had Facetune for my job. I use that for some of the models that we'd use because sometimes they had. Okay. All right. They did reimburse me for some of that stuff. Did you go to college? Yes. I have a bachelor's in science and business management. Okay, good. I don't know. As you're along this journey, if you want any additional certification, I'm happy to gift you one from Course Careers. It's what our audience use, it's what my employees use.

It's good stuff. If you need that, we'll give it. Let's move on because we've been on that card for a second. Apple card. Great. This one I have the hardest time with because I feel like I don't spend that much, but somehow it accumulates. I know it sounds dumb. It sounds dumb. I don't feel like I am. At the end of the day, it just piles up and I don't know. I've noticed that...

throughout this journey of kind of liquidating what I need versus what I don't need, where there's some expenditure. What the f*** are you talking about? You spent $1,615 minimum on bulls*** this month. A minimum. Minimum. What the f*** are you talking about? You don't know what the f*** you're talking about. Again, either a f***ing moron or a liar, and we've discovered it was a liar. Don't try to make yourself look better than you are. It doesn't actually help you. Acknowledge your flaws. Move on.

Still not a player. Let me see your Apple balance on your phone. No. How much is it? No, I don't believe you. Just pull it up. For sake. I don't want to. Hold on. It's on $1,789.05. What are you doing? So f***ing stupid. There is no need to make this worse. $95 minimum payment. But you'll see. 8.24% interest rate. Why? Why does this need?

Disgusting. Well, I use it to like when I put it on the mirror. Uber, Uber, Uber, Uber, Uber, Uber, Uber. That was from today. You didn't need all that today. No, we did because we were getting. Because you had fun. Well, we did like the boardwalk. Or else you would have just gone to here. Well, I did have fun. Exactly. You had fun while unemployed and having no money and trading your emergency fund and having to pay lawyers and f***ing around and destroying your life while our grandma's begging for $10,000.

She wasn't begging, but she was asking around for sure. She probably doesn't have enough oxygen left to beg. That's her version. No, like I said, steel horse of a woman. She's like 5'9 and a spicy 4'9. Some grocery outlet bargain, Etsy, Airbnb, Wall Street Journal. Expensive. $32? I know, I need to cancel it. Bro, that's the one we use and that's $45, so that doesn't make sense. Why? Why?

Is it supposed to be more or less? You said you were 500 a month. For what? You're Ozempic. I stopped that. Oh, and then you switched? Yeah. And I do natural supplements, but I haven't gone through Withro. I just right now I'm talking to the doctor to assess what would be best for... Interest, interest, PayPal. Diagnosed pre-diabetic, PCOS. Still? Yes. How much have you lost? Almost 100 pounds. How are you still pre-diabetic?

It's just my family has a history with diabetes. I was going to say, you don't look super unhealthy. I'm doing pretty good right now. Yeah. I feel a lot better. What the f*** are we getting on Etsy while we're just dying? What the f*** are we getting on Etsy while we're dying? This small business that I love because they create all these...

Wear humanoid? Wear humanoid? What the fuck is all this? That's cosmetics. It's the right time. And those were gifts to other people because they were going to promote the brand as part of my network. What brand? Humanoid. We are humanoid. It's a cosmetics brand. Okay. I think you just need to go get a real job. One real job. I love what I do. Yes, but I'd like you to get paid and not be paying weird money in different places from private accounts.

one singular job

Get deep into that company, grind, prove you're indispensable, and move up. I did for seven years. Yeah, but at a potentially bad company. So I'm doing it again now. You're a three. Starting from scratch. Yeah, but you're a three. You can't hyper-focus. You can't hyper-focus and bring intensity to three. The reason why I spread myself to three is for different experience. My resume has only shown one business in a few different positions, and I'm looking to fly my wings a little, take a little bit of a deep breath, try something new. Deep breath, you can't afford life.

Yes, I can. You literally can? Once I get paid, I will be fine. Well, find out. You're going to be $3,000 a month.

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So whether you're a creator, marketer, or just someone with wild ideas, this is the tool that lets you finally bring them to life. Let's get back to the video. For Orange County and debt! Minimum. That's like, because they have told me like, we're going to give you more hours, but we just need to start out here. Trust me, that doesn't work. Especially with all the tariffs and stuff going on right now. They've asked, you know, let's start here, but we will use you in other areas that will require more hours. I mean, how much did all this f***ing cost? Look, you're f***ing loaded. Yeah.

That was probably close to like $12,000. That's just- Tattoos are so stupid expensive. It's not just for my arms. I have a good portion of my body pretty covered. Congratulations. It's so stupid. It's so expensive. But I did all of this. When's the last tattoo you got? Friday the 13th, like last year. Thank God.

So not while unemployed. No, I lied. Yeah, nothing while I've been unemployed. I only did it. Until you have a six-month emergency fund, no tattoos. Yeah, I haven't. And I want to. Yeah, no, again. But I'm not going to. Are you? I don't necessarily believe that. Look at your spending. $1,615. I can't because I need to prioritize my money. I agree. You didn't. That's what I'm going to do. That's what I'm going to do. I would like to believe that, but you did not leading into this conversation. I am going to. You're a person that says good things and then you don't do them.

That's not true. I've liquidated so much stuff since I lost my job where I've canceled subscriptions to like my favorite things of different drink companies or just small stuff that was, you know, I could pull from my paycheck. Do you have any tattoos? No, I'm afraid. Do you want one? I've wanted potentially a bass clef right here.

I'm not getting tattooed if that's what you're asking me. I could tattoo you. No, I'm not getting tattooed. I brought you a little gift where it's a stencil and we can put the product on. What product? It's the humanoid product. Oh, you plug.

I just wanted you to have some fun and add some color and experience what a tattoo could feel like. Because I didn't see any on you when I was watching some of the episodes. So, I don't know, have some color, have some fun. No needles? No needles. Only a sticker. You can put a dick right here. I'm not going to do that. Well, that's the only one I consent to. Okay. Well, I don't know. What would you put there? What can I do?

You want me to show you the stencils? Oh, it's not custom? No, you can pick. Yeah, show me the stencils. Let me get my bag of treats here. Well, I'll just show you one sheet. So it's like, unless you want a few different. Like I have these designs. Where's the, I think you might like something like that. Oh, this one's a good one too, if you want to try this.

Something of that. I have pink, purple, green, red, white. Green for the show. To this little dinosaur guy. You want to do that one? Let me find it. It lasts for three days. Are you purposely plugging this? No. Because no offense. I just wanted to give this to your team. Like this is a risk of that business. I, that's, that's. You just have to let it dry. I feel like a fifth grader.

A cool fifth grader. Yeah, but this is what they do with the fucking, like...

park on a weekend. That's not what kids... Have you been to a park with kids? Yeah, I just... Yeah, no. I was on a walk. Just let that dry and peel it off when it's done. I was on a walk and there was like, you know, kids playing in a playground and a dude was set up doing little, you know, f***ing little temporary tattoos, little painting things. Okay. That's exactly what they do. Well, this isn't like a water transfer thing, but just let it dry because I kind of applied it a little thick.

Do tattoos just show hair? Because that's all this shows. Well, it's just because it's wet right now. It'll look cool after. I like it. Full product review. Let's find out. Yeah, just let her dry. Let's double the love. Ulta Beauty Reward. I love Ulta.

Why? They love you. You're getting fees and interest. It's a f***ing late fee. Come on. That was my bad. No s***. I know. No, it's f***ing Lacey's bad. Here's the thing. It's my bad? What do you mean? No s***, it's more bad. I thought it was on auto payment and it wasn't typical. I get it because I was being careless, Caleb. Yes. Is that what you want to hear? Yes. I was being careless. Now, what is going to suggest that you will be careful?

I have no money, so I need to be careful. Now you're actually recognizing you have no money. Now you're saying that. Because guess what? This whole time you're like, oh, I can survive. No, you're not. Not if you don't have no money. I'm at the point of really being desperate and of, you know, kind of sticking my neck out financially and, you know, making sure I'm not making the mistakes that I used to. And this is unfortunately one of them that I made. But...

It's not a big fee. Any consequences? Are you kidding me? It's a fee when you're unemployed and have no money. And you're draining your emergency fund and building your credit cards to the ceiling. It won't happen again. I've already set it up. We will see. You've done it. None of this will ever happen again. As she does it right before it comes on the show. I don't have the physical card, so I only had it signed up for one. A digital wallet? No, it's not in my digital wallet. I don't think. I don't use it a lot. I only use the... We owe $249.13. $249.13.

$2 for the sense of interest, $200 for purchases, but then the fees, blah, blah, blah, $40 minimum with the payment. That one always accrues a baseline of $20 because that's also holding my ChatGPT subscription. Alta? Yeah. Just easy points.

Yeah, but then you accrue interest in late fees. So your points, it doesn't make any sense. You know what? The only reason why I have this card. Why do you have the $200 version of ChatGPT? Oh, I did. I was reimbursed for that because my work asked me to play around with Sora. Which one? Last work? Yes, the seven-year one I had. But I was really bullied into having this card because I used to work for Ulta and I worked for them for four years.

And when the credit cards rolled out, they were shoving it down everybody's throat in terms of like staff. And I said, no, you have to spend a lot on makeup. I mean, for that job I did. And I also got like a discount. You're pretty caked. I mean, this thing is not caked. I have like a little tinted moisturizer on with bronzer and blush and that's pretty much it and sunscreen.

I'm just saying you probably spend a lot at Ulta. Yeah, when I had that job, I was blowing money. No, not now. You do not spend a lot now. No, I only shop the deals when they have like the annual sales and stuff or it's like buy one, get one. But that's to get you to spend. Yeah, but I don't do it frequently. It's a thank you to you? I only do it when I like need shampoo or, and I don't even use that anymore for shampoo. I use like TikTok shop for that stuff because it's a little bit cheaper. Okay.

I don't know what the f*** to do with you, man. TikTok f***ing shop. Good luck. 22.24% interest. All right, still going. Capital One Venture. Venture One. Yes. That one... Balanced $269.93 with a minimum monthly payment of $25. $269 of purchases. Amazon. That is my Amazon card. Hold your Amazon with your sticky phone. Y'all did it.

If you already know that, then why are you doing it? Because this is still your choice. You could do that. I'm not going to do that anymore. Well, some of the stuff I actually— Which is such a bull— Answer. Because some of the stuff I needed because I broke my phone screen or I went off that medication— Which is why we needed— And I bought supplements. Which is why we needed a notebook and we needed blankets and we needed— Oh, my gosh. Every supplement ever created in the history of the f—king world. My insulin's crazy and I'm f—king doing everything to, like, regulate my— I guess we're doing anal.

What? I don't know. You got lube. Oh, we're not doing anal. No judgment. We're not. You don't have to be defensive. We're all doing anal here. Right, Lindsay? Jake, we're all doing anal.

You just bat yourself on that one. But, you know, the reason... I don't... Whatever. I don't need to... Pro bionics, artifant, notebook. Come on. Multiple notebooks in a month? Well, some of them are my boyfriend's notebook. Well, he pays me back for it. It's not like...

I'm going crazy. Like, some of this stuff is his, too. AirPods with ear hooks? Come on. Well, here's the thing. Multifunctional food chopper? Are we a fucking late-night TV? No, mine broke, and I needed to replace it. Anti-cracking hard shell? You already have the AppleCare on the MacBook, and what are you doing with the MacBook? I've never seen anyone break a MacBook. The previous cover broke. Trojan Pleasure Pack lubricated, so lubricated, plus we got the lube, plus we got the... I don't... We're not having children right now, so we're using protection. Okay.

I'm smart in that way. No, I appreciate it. I appreciate it. Protecting the world from my bad habits. Right now, at least. Oh, the child. Yeah, sure. Just Javik USDA certified something. I don't know. Extra large magnetic. Oh, it's for depotting my eyeshadows.

I don't have room in my office space because I also like juggle with some like beauty influencer stuff just kind of as my creative outlet. And I'm... Stop. This is all money. This is all f***ing money. You need... You need f***ing...

Different hobbies. You don't even need different hobbies. But there's nothing wrong. You need to be investing. You need to be like actually investing and like making a difference. I am. Not only am I investing in myself and my hobbies, but I'm investing. So you have the Moomoo app on your phone and you're investing. I have invested in some cryptocurrency, but I did it before it was popular.

Okay, so you're a millionaire? No. I had invested in Dogecoin before. It was a penny. I invested $200, and now it's worth $2,000, but I haven't cashed it out. I'm not an investor. I never... But the thing is, I should have cashed out a while ago because when it went up with Elon's whole thing on SNL...

I could have made $10,000. So you're still hold? I still held. And? And I still am. And it's still over $2,000. Then just sell it. Pay off some debt, dude. I get it. I was thinking about it. But it lowers your risk profile. I understand it might make more money at some point. Lower your risk profile. You're unemployed. You're a contractor. And you can get rid of contractors like this without any fear of legal repercussions. Well, my contracts are pretty extensive in terms of, like, if they were to fire me, I'm pretty protected. Like, I'm not going to be fired.

The contracts that we've all signed. It's not just like a... I'm sure the equity one, maybe. I'm sure there's also a vesting period, right? All of them. That was part of why I have... Is there a vesting period in this equity one? How long do you have to be there? A year. A year. And I'm almost there. Is this done? Yeah. You can peel it off. Okay. It just looks like hair. A dinosaur with lots of hair. And then you can throw that in water and it just goes away. It's made without plastics and stuff. It's supposed to...

By the sweat of my palms, it'll start disintegrating. Wow, guys, look. Well, you can like play with it, like not play with it, but like decorate it up. I don't know. Like imagine if you were at a festival or something and you like wanted to like decorate your body. I don't know what you do in your spare time. It's none of my business. But like if you wanted to play with some color. I go to ACL, but it's just like this doesn't scream. I would go to it. Okay. Well, you would add more designs. The one kind of looks a little abstract. So what do you do when this company goes under? Next week. I don't think it is.

I, that's why I am a part of it. Which one is this? The equity one? Yes. That's why 20% is worth a few thousand dollars. I actually don't know if it's 20% off. That was just my best guess. Okay. Don't be mean. Don't be mean. Don't be mean. Don't be mean. Don't be mean. Okay.

Okay. Just Kindle, Amazon, Amazon, Amazon, Prime Video, Amazon, Amazon, Amazon. This is my Amazon card. I told you it was my Amazon card. We got Prime Video and fucking Kindle. Go to the fucking library. I don't have, well, there is kind of one. Yeah, you live in Orange County. Go to the fucking library. I know, I know. Yeah. Yeah, no. So do it. I don't want to. It's so nice having a Kindle. You're not a credit card person. You can't fucking do shit. What you should have been using this entire time was the Fizz card.

You already know it. You're a fan of the channel. Yeah. Just like everyone else. I'm surprised you don't have it. I don't want to sign up to another credit card because I've had these for a long time. Yeah, but it works like a debit card, though. It only lets you spend what's in your checking account where the rest of this is... Oh, I don't want to do that either. Yeah, you want to spend more. That's great. No, I just... Oh, here's the card. It's like 5% interest rate. Not the worst, but of course, not really competing with the market when you're taking depreciation of the car. Yeah, it was definitely on the higher side, but like... 2024 Ford Bronco? Yeah.

2022. Oh, 22. Yeah. And it's the bottom tier. No. Second from the bottom tier. It's a great car. It's not a manual. Because I know the expensive Ford Broncos can be pretty expensive. Yeah. Like the upper ones. And I haven't made any modifications to it or anything. Which is why it's only $15,860, which for an unemployed sucks. But when you had your last job, it's not the worst purchase. It really made sense. It's not the worst purchase. But now having a $451.09 payment is not good.

Yeah. I've definitely been prioritizing that one alongside my rent to make sure I don't shoot myself in the foot. What do you think it's worth? In earlier, probably like right now, probably pretty close to what I bought it for based off of... How much? I bought it for $40,000.

You're f***ing no. It's worth $15,000. Oh. We checked. It's worth $15,000. You're breaking even. You thought it was worth what you bought it for? Well, there was a moment in time where it was like all the parts shortage. I was offered like $50,000. No, no, no. This was like three years ago, like two years ago.

Sorry, whatever. There was it four years ago! It was three years ago. Okay, great. I had an offer for like $50,000 and I was like, I needed the car. Now it's worth $15,000 because we're in a more closer to normal market. Well, the car's great. It has had no problems, which is surprising for the manufacturer. I'm being told we don't have statements for a firm, but I got to pull it up. Pull up your firm. How many miles around this car? 23,000. What's the condition?

Brains making new. Perfect. She lives in the garage right now. Hold on. And Venmo. Oh my gosh. Okay. We'll do a firm first. Sorry. It's like going a little slower than I want it to. I'm going as fast as I can. I promise. Oh, you're good.

I don't want to look at this. Continuing browser. Oh, but I'm gonna. I don't know. Do you know how to navigate it? Like on the browser? Because I'm not entirely sure. You don't have the f***ing app? No, I don't. Are you logged in? Here. Oh, f***. Okay. Kill me now. Yes, I'm logged in. $4,585.73 on a f***. And that's primarily the attorney stuff. And then...

How are you ever going to pay this off if the due this month is only $42.67? Well, I didn't choose the most spaced out option because I didn't want to pay that much interest. But every month it charges me for that attorney fee is like $4.50. What does Icon pass? That's for my ski pass. Are you doing unemployed getting a $1,200 ski pass? That was $1,200.

That was last season. Oh, what the f*** we doing? I had a job when I bought that. I put it on Affirm because I couldn't pay it all in front. Oh, but it's still due. It's still f***ing due. It's due now. No, I paid my last payment on that. Oh, it's past payment. That's all done. Okay, due this week. Okay. That's when I had my job. Okay, okay. I got it. I got it. I got it. I got it. What's Ed Hardy Originals? The clothing store. I saw this skirt that I really liked and then I got my boyfriend a pair of shorts for his birthday. I got it. I got it. It went from fat to attractive and then, you know, I had to get new clothes.

Thank you. I'd do the same. I'd do the same. I only bought one thing for myself. But we don't finance it. But it was zero interest. So I don't understand the harm. Yeah, but now you're stuck in your minimum monthly payments. And your minimum monthly payments is a struggle right now with all these adding up while you're unemployed. That's why. General merchandise, I don't even know what that is. $448.77 due on May 1st. I think that's the attorney stuff. No. That's the big one. That's weighing over my head.

I know. Oh, what is this? What is this? Cover FX ice cream foundation? Cover cream foundation. Yes. Cover FX is a beauty brand. They had a sale. Everything was $10. Sales do not justify for you. But there was no interest. It doesn't matter. You're creating your minimum monthly payments that you are getting uncontrollable for you. That's what matters. That's what matters. I wanted it because it was cheap and they usually charge like 60 bucks and I just wanted it.

I'll see Venmo. She's drinking beer that she always pays for in her profile picture. Girl likes to have a good time. Loosen up a little. Spend her money. Yes, I do. Not loose enough. Ordering lots of lube. TikTok shop. Yes. Just recently. There's some good sales on there and I could not help myself. And a really attractive person named Charlie. Oh, that's my one of my best friends.

That was for a maternity gift. No, she's beautiful. I love her. Peacock or Poshmark, Poshmark, TikTok shop, TikTok shop. Oh, that was for two dresses. Awesome. And does your partner know about this? TikTok shop, TikTok shop, TikTok shop, TikTok shop, TikTok shop. He sees all of the deliveries. Taylor, who might be potentially attractive, let's keep investigating. No, that was for her house burning down in the LA fires. Really shouldn't zoom in.

What the f***? How'd you, do you know her? Yeah. Okay. And that was also when I had a job. And my heart went out to her and her community to try to donate. And your money. Well, yeah, that's what I just said, I think. You said your heart. My heart and my money. Okay. I'm going in hard this episode. Okay. Yeah, I mean, $6,700 in the checking account, right? But down from $8,500. Sounded like a sign. Yeah. My rent's expensive. Every month it's getting less and less. What's in it right now?

3600 oh for sake so it went from seven thousand six hundred so it went from six thousand seven hundred to three thousand five hundred yes yes it did but i just got my tax return sorry it's thirty three hundred and you're gonna be paying taxes next year do you wanna see it thirty three hundred nine

The ATM withdrawal, ATM withdrawal, ATM withdrawal, Netflix.com. Oh, the ATM. Venmo, Venmo, which we know these are all TikTok shop. No, the ATM withdrawal. Venmo, Venmo, Venmo, Venmo. No, some of that's for rent and all this, like. Venmo? Yeah. Fuck! Yeah, that's what we just talked about. We did just talk about that. Yeah, that's, there's nothing new, I hope. PayPal, PayPal, Venmo, Venmo. Technolo. I have no idea. I don't know.

A game $14.99. Technolo? NGCA Technolo. I have no idea. It's always great to not know where our money is going to. Well, you know how like some transactions they like put in weird names and you're like, what the hell is this? Almost ready to dispute it. And you're like, oh, wait, no, that's that company. But they always have some name, weird name. Mormon guys only. Oh, what is this? What is this weird name? This obviously has McDonald's.

You gotta use the f***ing budget now, dude. I want to. You get it for free forever. I want to get ahead of this because I used to be so bad. You get it for free. I'm so done. Used to? What? I used to be worse. Okay, yeah. Let's not use so bad because you are so bad. You brought in $0 last month and you spent $10,000. Okay.

Well done! $3,000. That's our new income after we set aside money for taxes. Okay. Debt payments. Let's just get that sorted up. Okay. Here goes nearly a third. $883.76. Housing. What's your rent? Your portion. $1,600. Your portion? Mm-hmm. Yeah. We live in a really nice spot, but it's like the best we could get for what we needed and like have a garage and...

I don't even want to fucking hear it. But even when I lived at home, I moved to home. There was a moment in time where I couldn't even afford my own rent, and I moved home, and my dad charged me $1,500 a month for my room. So it's nice to at least... So what is it again? $1,600. Your portion of utilities, including the internet? $200. Phone bill? Zero. Mommy and daddy? My dad. Mm-hmm. Room, room, drive, drive, gas? $90.

okay we don't drive much no i work from home car insurance my dad covers it you're so lucky 300 is what you're allowed to contribute to the food pile on a monthly basis 100 to the tp fund that includes all your makeup and everything and lube and all the collections i bought lube once multi-gallon no it wasn't it was a little bottle we use protection and i don't want to like

Break my skin. I do not need to hear about your skin. I don't know. I'm trying to make a little cheeky. You were talking about anal and asking your team. That's like a huge HR violation. HR violation. We have the contracts in place as necessary under Texas and United States law. When filmed, it is totally good. All right. That is totally good and consented.

Yes, Jake signed the anal inquiry clause. The contract. Your medical or healthcare stuff? I am going to apply for Medi-Cal. What's that going to cost you? Hopefully nothing, but I don't know. Oh, yeah, because you make no money. Yeah. Okay, and gym? That one's $90 a month. Do you have pets? Nope. Good. No subscriptions. You can have business ones, but that takes out of your...

it'll help deduct yeah some of them are my money that we need you to deduct anyway okay anything else that needs to be in your budget that i have not taken an account yet obviously i have a feeling we're gonna be

Well, luckily, Daddy's here to save the day. That's pretty much it other than my credit card payments. All right. You are underwater by $263.76. I thought it was going to be a lot worse, to be honest with you. Well, this is you living off of not spending any money on bull and having Daddy cover a third of the bills. I'm okay with that. You're okay with that? Yeah, you didn't do that. I do want to take my 10 out of the equation. You spent a thousand. I can't listen to anything you say. You say you want to.

But literally right before you came on the show, $1,415 on bullshit. Yeah. On bullshit. But. So don't but. Listen, I'm done. Here's the thing. What you clearly need to do is a relatively simple solution. Obviously, budget, yes. Go through all the classes we did. Those are created for you. Yes, that's the educational part so you know how to manage your money. But the fact is right now you do not have enough money coming in because you can't even break even. Yeah. These three ventures you're doing. Stop. I'm listening. These three ventures you're doing.

No, we're not playing an equity long-term position because you can't survive. Go get a real job now. 60, 70,000 hours a year. Use your experience. You have a vast amount. Show what you have done, the metrics you can provide, that you will provide value to the company, that you are willing to grind from the ground floor up, but obviously, hopefully at a better place. Show that. Make that money. Break even. Start paying down some of the debt.

Build up that emergency fund to six months again and we need to start retiring because they're sending money to retirement because you're almost done with your best decade of growth and I don't see retirement. Well, I mean, I do contribute to my Roth IRA. How much is in there? I've contributed in full for the last five years. How much is in there? Probably like almost $90,000. $90,000? I think so.

I received some money. You are so weird. Oh, there you go. I received some money that I didn't want to touch, so I put it in stocks. That's what it was. Okay. I didn't want to touch it. That's what you need to do is go get a real job instead of playing kids with these other jobs or playing equity position world. We're not doing that. You literally aren't breaking even.

So we can't do it. It's not our choice at this point. Or we just have to go do another make-believe job. And they're not make-believe. It's like actual social media work. Go do a full-time job. You have good experience, and I'm sure you have great analytics that you can show that you will provide value to an organization. Do that. Okay? Okay.

Okay. I don't want to. Well, then you're not going to pay bills and f*** you. Debt, it's not egregious. You just make no money and it's stupid. Debt score, 2 out of 10. Spending in a budget, overspent.

because you don't know how to survive no wonder it's gone from 8 000 to 3 000 in like a month zero out of 10 emergency fund well barely anything left we're at about a two out of ten there uh because i'm gonna call 2 000 of it an emergency fund the rest just checking account retirement that 90 000 is incredible how much of it was gifted for your age very happy 10 out of 10 real estate zero out of 10 doesn't matter if it's gifted or not it was there

I would have loved to see that, you know, a little more discipline being the reason that we got there for a sense of pride, but it is there regardless. Just don't fuck it up now. Hammer Financial Score looks like the site was right. Three out of ten.

okey dokes so we're gonna bring in the boyfriend who does not know her financial situation and uh yeah we're gonna dig into that and then we're gonna dig into more uh actually there's some drama that we weren't allowed to talk about on the main show that she wanted to keep for the post show so we're gonna dive into that as well it's really juicy make sure you join the elite version for thousands of hours of extra content and download the budgeting app and change your life see you in the post show what do you think her finance on a scale of one to ten no what do

you think her finances are i couldn't tell you what i spent last month let alone what she spent last month for your finances you dated her when she was fat yeah can i see before and after sure exclusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content