Vile Piece Of Sh*t Can't Wait For Her Mom To Die | Financial Audit
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to watch episodes of financial audit a week earlier check us out on youtube you're putting your mom in a near thousand dollar loan she will be okay this is your mom's risk if you die shut up she gifted me a thousand the year before she's not just gonna keep gifting me money you use people around you no one's ever said no to me mom's not here you're well when she dies don't i get money from her

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. Hi, I'm Lila from Long Island, New York, and this is Financial Audit. And how old are you? 30. Okay, missed that one. Yeah, that's okay. What do you do in Long Island for a living? I'm an ultrasound tech. Cool. What are we making?

Well, you just told me before we were filming that you're married, right? Yes. So do we have a dual household income here? Yes. Okay. What's the household income? So if I look at pay stubs alone, yearly we make about $120. You don't know your salaries? Well, I work extra or he'll work extra, but in general hourly. Sure. I make.

Is it $120 before taxes or after taxes a year? Well, on paper, it's $120, but... Is that after taxes or before taxes a year? Before taxes. Okay. But...

In general, the last few years, I've never made $120. I always make like $140. Okay, so $140 then. That's going to change this year though. Oh, why? I ended up getting like a pay decrease because we used to do... Same job, same place. Nothing's changed. I just... We used to do call and now that's off the table. So instead of getting that extra $1,000 a month, I'm getting...

Not $1,000 a month. So each month. So what's it going to be? What's the household income going to be? When does that change? It changed last month. It already did. Okay. So what is the household income going to be? It ranges between $5,800 to $7,000 a month. After taxes or before taxes? After. So what can we say is an average then? Based on what you've experienced, what can we say is an average?

I will work to make what I need to work. Girl, what the f*** can we say is an average that hits the account? We can say 6,300. Okay, 6,300. Now Long Island, not cheap. No. How we doing? How's the hustle doing? You and the husband. How's the husband? He's great. If he wasn't there, it wouldn't matter. See too much of a b****? What's going on? No, he's working. Okay.

He knows he's not the problem. Oh, so self-confessed. Okay. Come on. How are we doing in Long Island? We should be doing okay. I make pretty good money and our mortgage isn't bad. And we have a tenant who helps. Really? So we should be doing okay, but somehow we never have any cash. You have $70,000 of high interest, bad, horrible, evil debt that'll destroy your life. Yeah. Before the mortgage. Right. Okay.

So if we have someone that helps subsidize our lifestyle by being a roommate, that's fine. It's not a bad thing. Subsidy doesn't mean a bad word. But how are we struggling then? How are you struggling then? You bring him down? I don't think I bring him down, but... Okay. Okay.

But he'd be fine. He'd be doing whatever he is doing without me on his own. Like he's fine. He was fine living in a $400 apartment, you know, like, but what's the struggle then? What are we, what's so wrong? Why are we in so much bad debt? Like how are things so if according to you, when we're making good job. Yeah, exactly. So you would be bringing him down.

He's fine. Make that connection to me. No, he's doing great. Everything. He would just be living a cheap life if it wasn't for me. Eh.

And, you know, it's not my fault. I'm not holding him down. Also, I'm the problem. So tell me. Please connect that somehow. Well, he just gets to enjoy what I spend money on. But that also means he's going to enjoy the consequences of you guys not being able to make a payment if necessary. So, yeah.

You know there's another side of it, right? Whenever we have to talk about finances, I try not to really give the full picture to my husband because I don't believe there's any reason for both of us to be worried. Hold the f*** on. I'm trying to process this like he should be able to process the information after you give it to him, but you just don't give it to him. What the f***? Why? Just the fear of worry?

Well, what's the point of us both? So we can be informed. What if the guy like he just doesn't know what's going on in his own household? Do you guys have kids? Not yet. Not yet. So kids are going to come. Yeah, that's why I'm here. We'd like to know. We are trying to get ready to have kids. OK, so they'd be great. Get it. OK, that's fine. Well done.

But he doesn't get to know what the state of the household is. And he wants to bring a kid in the world. See, here's the thing. One, it's kind of not fair. I mean, did he ever request not to know anything? You decided that for him. Two, a kid's coming in. Maybe he thinks a kid can come into what he thinks the house is. But he doesn't know what the house is because the wife is keeping things from him. Self-confessed and almost proud of it. We're going to get it settled. Yeah.

Like he has the things he knows and he's taking care of them. Okay. What does that look like then? So why do you get to be the determining if he gets to know? Well, it's not about what I want. Like, obviously I don't want to be stressed about money. It's more so I don't want us both to be stressed about money. That is your choice though. He's not getting a say. Why do you get to be the choice maker?

I have asked him in the past, do you want to talk about the finances? And? And in the moments when I have asked him, he said he wasn't mentally prepared to talk about them. And then I just wouldn't bring it up again. Yeah, but how long ago was that? Well. Because you guys are trying to have a kid now. Yes. And we did talk about them a little before I came on the show. Not everything, but most.

But how are you determining what he gets to know, what he doesn't get to know? I'm so confused that just like you're the arbiter. That's like you get to fucking, you're the king. No, I make a little more money. So I pay a little more. You guys are a household. You guys are together. How long have we been married? It'll be four years. Exactly. Four years. Do you not consider yourselves a partnership? Of course I do.

Of course I do. Then why doesn't he get to know what is happening in the partnership? He can know if he'd like. He can know if you choose not to. He wouldn't know to ask even necessarily. You drip feed him information. Because recently with the $1,000 I'm not getting anymore, we have been struggling. And I'll joke around like, oh, we're poor, we're poor. And then he gets so like...

We're poor. I can't do anything. Okay, hold on. I have to explain this to you. You know, it is more stressful to have a hint about a situation and not know the full picture than knowing the full picture. If you know how bad the full picture is but you at least understand it, that helps you. That means you can plan. If you don't know what is going on, if you get the can we talk text, that is more anxiety inducing than having the conversation that that leads to. Right. Right.

So drip freedom. Oh, we're, Hey, Hey, we're struggling. Isn't that cute? Aren't I so cute? I'm such a good wife right now. No, that's just the other side, but I know him better than you know him. Is it working? Is it working? It is for our mental health. Oh, mental health. Okay. And the mental health, when we lose our home because we can't make a mortgage payment, that won't happen. How do you know? You don't know. That'll be the first thing I pay.

First thing you pay if you can. I will always be able to pay. No, no, no. What if you lose your job? You already got a pay cut. You don't know what's going to happen. He could lose a job. You could lose a job. We could enter a deep recession. You've never lived through a recession. You don't know what is happening like a real deep recession. I'm in the healthcare field. We don't get affected by recessions. You've already got a pay decrease. Well, that's...

because they hired more people. And that's not saying you, like, borderline don't get affected. You're one of the least likely to. Doesn't mean that in a deep, deep, deep recession, you wouldn't experience something. Maybe a long, you don't know how anything can happen.

It's the unknownness of the world and you're not prepared for that. I don't think you know how the healthcare field works. Oh, please tell me because I definitely don't come from a family of healthcare workers. Please. Oh, you do? That's nice. Well, I'm just saying we don't usually get affected by the recession because they're needed. As much.

As much, there is still funding issues here and there. You never know what can happen. You never know what can happen. You never know what can happen in the world of legislation. Like when the Affordable Health Care Act was passed, you don't know what could happen in the world of repeals or someone comes in and does single payer. Who knows? There are always things changing. You usually see that one coming a bit more. But I'm not saying you wouldn't lose a job, but who started

the conversation with the kind of pay decrease in their perfect job that is never affected by anything yeah yeah well it's not really a puzzle there is him as well income decrease it's then we knew it was happening months in advance it wasn't out of the blue it was still money yeah money that you're required to live on now you're drip feeding him that you guys are struggling because you lost it what is his confidence you've never lived through a bad economic time

Right. Well, I've lived through them, but obviously I was a child. Yeah. Yeah. You're like 10, 10, 15. Something like that. It's okay. Yeah. You don't understand the full historical context behind things like that. Like you, are you, I will never be able to get into the mind of yours. Like you have no fear. There's nothing to be scared of. You just think it's going to be like this forever. You've never experienced. I'm not worried about a recession because that's not going to be my problem. That's one of many things.

That's one of many things. You don't know what happened. You don't know what happened. New York City, until recently, where population is starting to decline, has had population decrease. Let's say that affects Long Island. Let's say people are leaving coastal cities and moving to places like Tennessee and Texas. That is something that is happening. Okay. Let's say that happens and it affects Long Island more. There's less patients. They downsize our hospital. You don't know what can happen. There are so many...

many things in this world can happen and that's not doom and gloom that is just you not putting yourself in a financially vulnerable position which you are in having a seventy thousand dollar debt not allowing the other part of the household to know what is even going on because you are the one who gets to choose what he knows and what does he doesn't know like okay that's fair but

And also, maybe he's not recession-proof. I know we're keeping his stuff a little more private. That's fine. But maybe he's not recession-proof. I don't know. And then all of a sudden, okay, boom. You just struggle losing 1,000 hours a month. What if you lose, let's say he makes 40% of the household income. Let's say he loses 40% of the household income. Then what? Come on, it's not just you. I know you're acting like it's just you because when it comes to the information you share, you act like it's the information that's just you.

Well, it's not like we only want to rely on the job. I do want to make an emergency fund. Great. You have $70,000 of bad debt and you haven't changed a thing. As far as I can tell, probably. I mean, you're on the show. I see spending on this first credit card. I know. I've tried to stop spending, but then I have no cash. So I have to use the credit cards. In your mind, what the f*** does that even mean? I would love to hear you flesh that out just to be extra careful.

extra sure what you mean. I think I'm paying too much to the cards and then I run out of cash and put more on there. Who the f*** do you think you are? Oh, I got too much on my mortgage. I'm giving too much to the bank. You decided to give a gidge. I'm putting too much to the f***ing car dealership. You just

to get that card. You spent on these credit cards. You're putting too much to them. Sure, I agree. You are via your choices. Not they're forcing you to. You did this to yourself. Well, I'm only doing the minimum on my main cards, but then there are the cards that I did the zero APR promotions and those I put more money on to make sure specifically...

Like they go down before it's not 0% APR. So I know I'm spending too much to pay those off. And then I end up with no cash. And then I can't pay for groceries. If you're ending up with no cash in this situation, then your priorities are f***ed. You don't know where money's going. You're not budgeting. And you won't even talk to him. So let me get, what, how much, what percentage is he even aware of? Uh.

I know you guys just had a conversation right before coming on because boom, it's going to be on the internet. Yeah, probably. Yeah, good smart. 90%. Yeah, what was it before that? And why not that extra 10%? What fucking character unlock does he have to get? I don't know. Maybe I just forgot. Great. Husband out there. It's also embarrassment. She just forgot. She just forgot about you. She just forgot you existed. No, about the debt. Yeah, debt that impacts him. Well, it wouldn't.

If he didn't want it to. What? What are you talking about? Like it doesn't have to impact him. If there are assets that you guys hold and you guys are married upon death, he would be required to. Not in New York. For any of the deaths. Any of the deaths. Even including the mortgage. If he's not on it.

Doesn't affect him. I'm talking about keeping the assets. Well, yeah, he'd lose the house. Did you not hear where I said keeping the assets part? Well, he could keep the house if he could pay it, but he couldn't keep the house if he can't pay it. So he wouldn't lose anything. Probably not a loan because it does take both our incomes to pay it. But he could sell it. He doesn't lose it. Okay, but on the statistical likelihood that you guys do make it, you know, survival...

So I would say that impacts him when it sounds like the breadwinner is not able to funnel the majority of her money towards the things that we want to do, like having a kid.

And has to funnel it towards all the debts that she chose to take out but not allow him to have. That still impacts on whether or not you're alive or dead. The things you're dealing with now and where the money from the household has to go to impacts them. Would you not agree? Well, that's why I'm here, to figure out how to pay things off. That's not an answer. That is not an answer. No, I can help you figure it out. Yes, that is not. That is such a deflection. That is such a stupid answer that everyone gives when they get pushed into a corner. No f***.

That's why you're here. I get that. I am asking why you didn't. And I'm trying to, you just said it doesn't impact him and I'm trying to tell you it does. Don't say, well, that's why I'm here to fix it. No, I'm trying to figure out why the that was in the first place. That way I can give you a path out. Why I think it doesn't affect him? Yes.

Well, if he wanted to get divorced for some reason, it wouldn't affect him. And if he wanted to open a credit card in his own name, it wouldn't affect him because he has his own credit. He's his own person. Yes, you're going on low likelihood things. Low likelihood of the divorce because we're trying to fix it. How does it affect him? What does he want? Lady, you seem to see it as yours and his everything. We're not talking about the divorce. We're not talking about a death.

We're not talking about those things, the lower likelihood things. Because you're trying to have a kid, so I doubt you guys are in the world of divorce, right? Okay. I'm talking about the things that you guys want to do as a household for your kid, for a potential future mortgage, you know, minimum payments across the board, grocery payments, sending a kid to summer camp, paying for college, doing these things we want to do, retiring as a household. What your finances are deeply impact that because money has to go to the minimum payments of the debts that you have taken out without his knowledge. Mm-hmm.

How would that not impact him? So you meant in the long run. Even now, the money from the household that is coming in still has to go to the minimum three payments that he is not aware of. How do you not see this? How is this confusing? Please allow me inside that brain because I'm confused. He doesn't want to spend any money. That doesn't answer my question in the slightest. That's me saying how, like you're saying it affects him now because there's no money. He doesn't want to spend any money. Do you guys not have future goals?

Does he want an emergency fund for when the baby comes? He should. I hope he does. How the f*** often do you guys even see each other? Have you had a conversation in a year? That's the plan for this summer. He's working extra and I told him don't let me see any of the money. No, not to talk. To save money. So why does he think he needs to go get money? Why does he think that? Because we want to have a kid.

There we go. Okay, so there's a goal to have money for a kid. Yes. Okay, so that's a goal we both realize. Then you, to send more of the household out because of debt he doesn't know impacts that. Impacts his goals. Do you not understand that? Do you not understand that? Well, now that you've spelled it out, yeah, it makes sense. Okay, we did our fucking ABCs, I'm glad. I didn't know we were back in elementary school fucking cognitive exercises. How did you not realize that? Oh, my fuck.

I'm just like, where are we starting? I'm not trying to be mean. Just where the f*** are we starting? Well, it's not like I'm only spending the money for myself. No, but it's debt that he... Oh, it's not about spending the money. Oh, for f***! Oh, you cannot be doing this to me this early in this conversation. I don't want to f***ing crash out today. I don't want to crash out. These conversations are too much. Oh, it's also f***ing hot in this room. Yeah. I'm telling everyone to turn down the AC. Listen, lady...

It is not about the spending. It's not about the spending. I'm sweaty. Am I having a stroke? It is not about the spending. It is not about the fucking spending. It ain't about the pasta. But it is the fact that there is debt that he is not aware of. It is that because those are minimum monthly payments that are required. Do you not understand that? It is not about you and going getting a fucking donut.

There are minimum monthly payments that he is not aware of. He is not aware of 10% of it. He is aware of them. He just doesn't know what they are for. No, no, no, no, no, no, no. You just said he wasn't aware of 10%. And before the conversation, before the conversation you guys even had, because you knew you were going to be exposed on a public platform. Yeah, before. So all this was going to be done. Then it was probably like 25% that he wasn't aware of. So what the fuck?

What the f*** are you talking about? You just said he's not allowed to know the situation because... Yes, the latter of what you just said is correct. Now he knows what 100% of minimum payments are, but he doesn't know where they came from. Or the balance of the debt, stuff like that. Right. Well, I didn't even know... Well, that's critical! That's critical! I didn't even know it was $70,000. So, nobody knew in the house. If we're a baby, we should know how much high interest, bad debt there is to pay. Yeah...

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How did we get here in the first place then? Just how did we get here in the first place? We're about to go to those documents. Give me some context here. He obviously wasn't aware of any event until just like a day ago. Right. So please tell me. Well, when we got together combined, we had 30,000 saved. Then we moved in together. Combined? Yeah. How much did he bring? How much did you bring?

He brought 10. I brought 20. Okay. Go on. Yeah. Well, I was very fortunate. Go on. That wasn't from my own power of saving. I just had a lot of help. Great. Optimism for the future. We moved in together. It was my first time living alone. I wanted to buy all new things. I wanted him to get a new car because he had no A.C.,

And his windows didn't work. So I kind of forced him to buy a car. Isn't public transportation halfway decent there? Isn't? No. Well, in the city. But we're not in the city. How far away are you? Like a two hour drive. Okay. Keep going. So yeah, you need your own car. So his car was owned outright, but I made him get a new one. Okay, too much detail. Okay. I don't need to know about a single car purchase before. How the f*** did we... What happened to that $30,000? $30,000?

He took half and put it into stocks. Into stocks? What does that even mean to you? I don't want to know about it. I don't want to know. It's still in there. I don't know what it's at. Do you think because you don't want to know where his investments are at, he doesn't want to know where your debt is at? Do you think that's how this works? Is this a one plus one? Because one day it was $50,000 and the next day it was $10,000. So I don't want to know. Did he hold or sell? He sold a little bit to get his van for work. But...

But no, that was only like $4,000. So he lost. It went up to $50,000 and then dropped back down. So I don't want to know. He's meme stock trading? No, it was just like, maybe. I don't ask. The S&P 500 didn't do that kind of movement. He only did it that one year and now it's just in a stock and he's left it alone. A stock? A stock. You don't know what the stock is? He told me, but I don't remember. Something with an E. Ask him. Text him. Okay. Okay.

I'm so curious. To me, that's just like his money. I just let him do his thing with it. Why are you guys so independent? You're trying to have a child together. We're not independent. What? My dad, his stock's...

Because he's good with money. So I don't want to be a... Clearly not if he's with you. If he... Also, it sounds like he invested in a meme stock, so I don't know. If he went from $50,000 to $500,000 or whatever the... It wasn't like GameStocker. It wasn't like that. GameStock? It wasn't like that. I've never heard of that one specifically. GameStop. It was... Okay, I got it. It's okay. So... Something else. In the world of you guys going about all this... Yeah. Yeah.

Do you budget? Do you have a budget? I try. When you guys talk about money, what does he know specifically now? On a monthly basis, what does he know? On a monthly basis, he knows we have to make at least $6,200 to pay off the minimums.

What the f***? You just told me $6,300 is your average going forward. I'm saying we have to at least make $6,200. No, no, no. You told me $6,300 is your monthly net income on average going forward. No, I said... No, you told me $6,300. I said we make between... Rewind it! Rewind it! We can't.

6,300. Okay. I said we make between 5,800 and 7,000. I told you to give me an average and what did you say? What do you think an average is? It's about. So some months maybe you make 58 and some months you make 7,000. And then the average is 63. What do you...

Do when you make under that 6,200 in a month 50 it's my base. I have two jobs We've been taking from savings what savings is there there's zero now next time which was gonna be my damn question I Don't know

I don't know. That could be next month. Yeah, it could be. I'm going to try not to let it be, but it could be any time. If we were trying, we wouldn't be in this position to begin with. Yeah. Does he, okay, he knows 62 has to come out. Yes. Does he know what comes in? Yeah. So he knows when you get 55 or something. 58? Yes. Yeah, he would know. And his thoughts?

He just offers to work more. That doesn't help if we're already under for the month. Yeah, it doesn't help for the month we're in. Once the month happens, it's over. Doesn't that matter for making payments? Doesn't that f***ing matter? What did you suggest that matters to me? I think that matters. Well, you don't always have a choice. You have a choice of the debt you got in and the spending that you do, lady! Girl, you spent almost $900 going out to eat last month. I think that's a pretty f***ing choice.

Well, he was on tour. I don't give a f*** what he's doing. Miscellaneous bulls, $500. Give a f*** what he's doing. Pack sandwiches. He did. Good. So then that's no longer an excuse that he was on tour. Well, he can't only eat sandwiches. Yes, he can. He can have whatever from the grocery store. He can do a lot of things. Yeah, he makes his sandwiches. He ate tuna. Very proud of him. He stole our can opener. That is no longer an excuse for the $900 almost spent. I'm sure it was me too. Because I work at night.

And it's easier to just buy from the cafeteria. The cafeteria. But at least I'm paying $7 at a cafeteria for a full meal than going to... It could be cheaper per meal at the grocery store. It could, but... And it is, and you don't, because why would we have any sense of maturity at all? I'm sorry, I'm fucking lit up in this conversation. But it's blown my mind so far, if I'm being completely honest. Okay, so last month...

It was on that $7,000 range. Okay. Seven to eight. Okay. But it was also one of the last months until that pay. Yeah. Okay. How much went out? How much was spent? That includes on debt. Well, I made, you said between seven and eight? I don't care about your income. Yeah. How much went out?

I care because I know I don't spend a lot more than my income. Probably like a lot more. She says she knows she spends more. That's good. And we allow that. We accept it. No, I'm trying to work on it for sure. What? Why don't you just do? It's money that you don't have. Just don't. Trying is $900 a month going out to eat. Okay, sure. That's a great try. Keep going. How much went out? Sorry, I'm being rude. I think maybe 10.

Okay, it was like $14,500. So I don't know what the f*** you're talking about, man. That's double. Yeah, that's fine. It's more than double your normal average. And you think your minimum through payments is what you can't afford? No, it's your f***ing spending. Your past spending that you can't afford. The last month is what you can no longer afford. Okay. That makes sense. But like I said, I am working on it. It's not as easy as just...

Quitting something if you're addicted to just spending. No, no. Because I've always been the baby. Everyone always takes care of me. Oh, what a disgusting attitude. No one's ever said no to me, so I'm just not used to it. What a disgusting attitude. I'm just not used to it. Not used to being an adult? You're f***ing 30. Grow up. You want to be a mother.

Yeah, but I'm the baby of my family. You're gonna have a baby. You're f***ing. Not yet. When we're ready. Uh-huh. You told me before the conversation that you guys are trying, so. We're gonna try. Hmm. The baby of the family. You're 30. What a disgusting sentiment to have in your brain. You'll never get ahead in life, ever. There's no conversation to be had. How can you say that? That's not true. Did you hear what you just said? What?

I'm just saying why I'm like this. If you're able to acknowledge it, it's even worse because it's no longer ignorance. It's just choice. No, I'm working on it. I have to learn to say no to myself. Even this month you spent double what you make. How is that working on it? Do you mean you spend normally three times? What the f*** are you talking about? Probably. But you don't even know.

What does trying entail to you? Trying to me, trying and tailing to me is like downloading a budgeting app. Okay. Spreadsheet, you know, not taking the credit cards when we leave the household, communicating with our significant other. Who would have thought about that one? That would be trying to me. You have done none of that. That is not trying. What is your trying? I don't see trying. Please explain trying. Me trying is using the debit card for small purchases. And if I want something big, it's,

Saving it and thinking about it. What are you talking about? Like thinking about it. Waiting. Waiting to buy it. Make sure I really want it. It's not a bad mindset, but that obviously is not what has correlated into the reality of your situation. Well, it's a day-by-day process.

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But the last day we have to look at. Yeah. So I don't know. Again, I don't know what you're talking about. It is a trend on the show. People come in and say, I'm trying. They always want to just look good on the camera or they change something two days before they came on because they know they're going to be on camera. Doesn't matter. I literally have your most recent statements and they're beyond. So that is a lie. Or you're just trying to say something to look good in front of the audience. No, I don't need to look good. Then what is happening? Because that is bullshit.

Trying. No, I think in your brain you have a slight wanting of getting out of the situation, but not as much as you want to keep f***ing around in reality. Well, I think I need to understand what I'm spending on. You know how you do that? Your budget! You already know that. Everyone knows that. That is a basic tenet. You do not have to be a financially literate person to know a budget exists that you can make. Listen, you get the budgeting app for free, forever, the premium version. We have to pay for the account connections on your behalf.

And those who signed up for the annual version, of course, link in the description below. Get the cookbook that you can't purchase anywhere else that we made for budget-friendly cookbook. I'll sign it and I'll mail it directly to you. If you want to come on the show, go to gailhammer.com. Usually I ask what you think you rate yourself, financial score. What do you think the household financial score is, zero to ten? I took the test on your website. I think I got like a one.

If you want to know your score, take the assessment, the one she took, go to calebhammer.com. Use the link in the description below. Oh, let's get this finances on the moving because, oh, wow, we have, ooh, chunky, chunky. Big chunky chunker.

It's a big one. Okay, cool. Oh, good. We're starting to... This insane balance. Okay. Amex. What's going on with this? Oh, it's an Amex. Wait. No, okay. American Express. What is it? That was a consolidation. I did. Why do I see... Oh, interest is accruing. I said purchases earlier. I thought it was... Okay. So, yo, $17,532. You fucking consolidated? You consolidated. You consolidated and you didn't even know where...

And now we have debt again? What are we doing? Obviously, again, change your behavior before you consolidate or go bankrupt. Because clearly this does not work. I am not against the tool of consolidation or bankrupt or whatever. My debt's not... What? I don't think my debt's as bad now because I had to do this. We have $70,000 of bad debt and this is only $17,000. But I had to do this because my cards were maxed out.

And it was really my credit. Your debt is as bad. Your balance, your limits just might be higher. Yeah. Well, technically this is now my mom's debt. Were you out in the sun today in a sweatshirt? Yeah. Have you seen you? What do you mean? You're like burnt, but in a small strip. Oh, no. I was in Florida last week. Wearing a sweatshirt? No. No, it's, I wore a bathing suit. It's here too. Oh, I see it. I see how it's working out. Okay. Sorry. I just noticed it. It looks painful. It is. It's peeling. Okay. Keep going out. It's my mom's debt now.

It's in her name. It's not in your name? It helped my credit a lot. This is not in your name? No, my mom took it out for me. Why is your mom taking out debt? For you? For you? Just to help. But it's her debt. She took out the debt for me, but I'm paying it back.

You're putting your mom in a near $18,000 loan thing for your own mistakes? Are you kidding me? This wasn't cash she just gave you. This has to be like 30% or something, right? I think it's 12%. Even if it's 12%, that's insane. That's disgusting. I can't see it. Yeah, I don't have it. It's not on the page for some reason. But I do see that $131 of interest is accruing. Of course, we're only making the minimum payment, which is $635.91.

What the f*** are you doing? Yeah, but it'll be paid off in two years. That's your mom. This is your mom's risk. It's already been a year. You know, we talk about the death situation early. If you die, yeah. If I die? Yeah, in the low likelihood situation. I think she'll die first. Huh? I think she'll die first. Why are you saying that? You could get hit by a bus outside. What? There's no buses. There's, yes, there are. What are you talking about? Oh, in Austin? Yes. I'll avoid the buses.

Oh, you are. Oh, you're so f***ing. What are you? Are you sure we should have a kid? I don't know, man. Okay. What if you die tomorrow? And also, no, it won't be paid off in two years. What are you talking about? I'm pretty sure it was just a two-year loan.

I took this out to consolidate to pay off my high... My, like... I had two credit cards that were maxed out, so I had to consolidate them. She was just helping me out. Why does this not sound like most normal people? Yeah, she was helping you out, but she was taking out debt on your behalf. Well, I'm her baby. Oh, f***. Not this again. You're such a child. Why are you...

You think that's cute? You think that's acceptable? You think that's an endearing trait to have? It's embarrassing. Are you not embarrassed? I'd be embarrassed. I'm embarrassed for you. No, I'm not embarrassed. You should be embarrassed. I'm embarrassed for you. I see this taking, oh, this takes three and a half years from today and it's probably already been open for how long?

Can I look on my phone? Just tell me when is she took it out? No, I want to look on my phone to see when it'll be paid off. Because I have a spreadsheet. Dude, no, I don't, I don't, no, just tell me when you took out this loan. I think last winter. It is not a two-year loan. It is a four-year loan. That doesn't make any sense. Well, it does with math. And also, has he texted you back yet? Oh, I was on silent. No, no.

He didn't. I think we should call him later, honestly. Either at the end of the show or in the post show. Okay. I took it out in October. It's a four-f***ing-year loan.

Four to five. Four to five year loan. You think that's okay? It's okay. That's four and a half. Four and a half years. I have it being paid back in 2027. So three years. Three years. You're wrong. Three years. Also, you said two. And it doesn't matter. Again, your mom is responsible for this. If you die, anything were to happen. If you became disabled, if you lost your income. She'd be okay. Shut the fuck up. She would be okay.

you money. She will be okay. She makes a lot of money. She took out a debt instead of gifting you. Obviously, she is not in a position where she would just be okay or else she would have gifted you money. What the fuck are you talking about? Shut up. She gifted me $60,000 the year before. She's not just going to keep gifting me money. Why? To buy my house. Oh my goodness, you disgust me. I'm okay with getting a gift, but look how you've used it. Who can save up money for a house these days? Me. Lindsay. Lindsay.

Josh! Brandon! That's great. I'm happy for you guys. Four home people in this office of 15. I'm very happy for you guys. You just asked. But we're in New York. Lindsay, how much is the house you're getting-ish? I don't know. There you go. More than the house you got. That's great. It's not a

It's not a competition. It's not a congratulation thing. It's like your example is f***ing wrong. And also you're in two hours away from the city. You want me to save $60,000 after working for one year? No, I'm saying you've never worked for anything in your life and your mom has just given you everything and you've never had any discipline. Now you're dragging your husband down because you're not going to be getting the debt. You're getting out.

She bought a house for everyone. Then she's spoiling and enabling her children and look at the behavior. Look how it is translated. You're f***ing financially abusing your husband. You're bringing a child into a world that you're going to completely f*** over. You don't have a single financial discipline inkling to your name.

No, that's not true. How is it not? You have nothing but a horrendous debt. You didn't know your debt. You have a budget and you don't even know the way out of this debt. Your entire thing you can say is that's why I'm here. Your mom took out a loan on your behalf because she gave all her kids money in order to get houses. Now she doesn't have any money to her name. That's why she had to take out debt. And if you die, she wouldn't be able to afford this. If you get laid off, if you get fired for being bad at your job because you're a moron, then all of a sudden, oh, pay! I need to pay for my mortgage first. Mommy has to pay her debt.

Mommy will be fine. She's been paying my 40-year-old sister's debt every year her whole life, so I'm not as bad as her. Your family is nothing but a disappointment and a joke. Well, they need to teach you this stuff in high school. You can teach it to yourself on your own. There's books, there's libraries, there's the internet. What the f*** are you talking about? There's this show, there's the money, guys. There's so much out there. Shh.

Yeah, well, I started watching your show. I've learned a lot. Apparently not enough. This is f***ing ridiculous. $17,520. That's $32.96 at a $635.91 monthly payment for mom. For mom. Are you kidding me? Are you actually... What are we doing? What are we doing? What am I looking at here? What am I possibly seeing...

to mom from to mom it says to mom mommy that's what it says what is this for that's more money balances or is this stacking i guess i don't know what stacking means but as it decreases that's what i've paid so you owe five thousand eight thousand five hundred sixty one to mommy yeah for what and why and how same thing what

A different one? It was the same time. It was an extra thing. This was the cash that she gifted you and then she took out her credit card because she didn't have enough money, but she's enabling her children. What a... You are... Oh, the way you guys are using your mother is disgusting. Oh, this is nasty. Mm-hmm. It wasn't even her cash. She took it and made mommy take this out of her. I didn't make her. You know.

you I officially do not like you that is a rare thing I do not like you you are a bad person you're a bad person you're a bad person you're a bad person you are a bad person from mom's retirement how old's mom she's 65 you're taken from a 65 year old to consolidate your own debt then you fuck it all up and then mommy has to take out from a credit card my mom makes a

makes a lot of money. I'm not worried about her. She's 65. Who do you think are on the chopping blocks for layoffs? No wage discrimination, of course. She has her own business. Okay. Let's see how long she wants to do that. Let's see how long her health is. Let's see how long her business goes well. Let's see how long she has the energy for it. You do not account

for anything in the world happening. You think everything is a stagnant flow where no matter what has been happening for the last five years is what's going to happen for the next 50. You do not understand a single thing in this world and you use people around you, including your husband. You use your husband. You use your husband. You use him for emotional balance and you don't allow him to know any of the stresses in life so that he can just be there as a f***.

rock and you just use his emotions now you're using his nut she will be fine

She's already finished her whole workflow. You are a bad person. She gets her pension. She gets free insurance. And she'll get money for the rest of her life. You are a bad person. You should actually give a f*** about her. It's not that she'll just be fine. She worked in the fire department for so long. Congratulations, mom. You put out fires. I'm thrilled for you. Good. Yeah, so she gets money from them for the rest of her life. Let's abuse fire workers. Fire women. Yeah, I don't really like the fire department by me, so I don't care. But, yeah.

She'll be fine. She gets money from them. She gets money from her job for the state. Do you not realize how disgusting absolute creature? Do you not understand what you are saying? I'm saying she's an adult and she decided to make these decisions to help her children. Went to her. Hey, how did she find out about this? Hey, lady, lady, lady. How did she find out about this? Huh?

I tell her everything. Yeah. There you go. You told her probably that her little, oh, baby. You probably manipulated her. Look at you. I know people like you. We all know you. You probably manipulated her. You kept dropping it. Just like you drip feed your husband. Oh, little struggle here and there, my mama. All of a sudden, mommy, little daddy. I had that. Oh, I'd love to get a little house, mom. Oh, mommy. I would love to get a little house. And then all of a sudden, she's like, oh, daughter.

I'm a fire woman. It's just like, come on. Ew. Ew. You're making me crash out. I mean, the thing is...

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Mommy's not coming to the rescue anymore. Good luck. Well, when she dies, don't I get money from her? Yeah, if she has a big nest egg, I don't know. But that's disgusting. Your language, shut the fuck up. Your language is what was disgusting. You're the one who brought up her dying first. Your language is what's disgusting. Your language is what's disgusting. You said, oh, she'll be fine. That is not caring for her. That is not caring for the debt that she has given you. That is not caring for the blessings that she has provided. Oh, she'll be fine? No, it's, oh, I'll work.

to make it up to her. Oh, she'll be fine. That is disgusting. You are disgusting. You are a bad person. And I'm calling as I say, I don't give a f***. I don't care if I look bad. I don't care if you don't like this. I don't...

I will work to make it up to her. I'm paying her. Yeah, now you say that now that I said that, but that's not what you said. No, she's the first one to pay. That's not what you said from your heart. That's not what you said from your brain. You didn't say that. You said, oh, she'll be fine. That's what came out of your mouth. Well, you don't know my relationship with my mom. No, but I know the words you're saying, and you only said that you'll make it up to her after I said that's what you should have said. And I don't believe you at all. I believe you're going to regurgitate in other people's words after they say it to you because you have been nothing but a manipulative princess your entire life.

Oh, disgusting. Do you have a minimum monthly payment you owe to your mom? I don't even want to continue this. I just pay her $150. No, every two weeks. So it's $300 a month. You paid her back that $60,000? No. It was a gift. See her face when she said that? What a joke. What a joke. I'm going to send you to therapy if anyone has ever needed it. I have therapy. Three sessions through Sondermind. Well, whatever. If you need a change, which you might. Yeah, it's real cute what you're doing.

And you, I mean, I'm not even going to give to you the fizz card. It's great for you guys, but not for her. Yeah, I don't have enough cash for that. I want to cool down. I want to cool down. Yeah, exactly. Because it only lets you use what's in your checking account. So you would be because. Right. I'm not worried about my credit anymore. You're right. Because mom's there. You're not worried about anything because you never had to do anything because you've been nothing but a spoiled brat your entire life. Let's call it how it is.

I love roasting people. It's fun. I love the jab and I love a good back and forth. I hate that I do not like you. It is a bad feeling. But you are not a good person. And I need to call it out because no one's probably ever told you that before. You've been nothing but just fucking just babied your entire life as you've self-admitted. Yeah, people like me. Because they don't know you. They don't see this other side of it. Southwest. Southwest.

Great. $5,119.57. The minimum monthly payment of $125. How long does this take to pay off? Is this another three years, two years, one year? How long does this take to pay off if you don't purchase on it? Which, by the way, you're incapable of because you purchase more than you actually put towards it. What's the balance? $5,119.57. If you only made the minimum payment and you didn't purchase on it, how long does it take to pay off?

25 years? 15 years, which is still insane. You're okay with 25 years? Because look, guess what? You're purchasing on it. You put $500 towards it. That would seem like a great amount of money, but guess what? You purchased $649. I'm not okay with it, but I can't afford to put more on it. Then maybe you shouldn't be spending whatever the f*** you're spending on. Should we go through what you're spending on here? What are we going to see? What are we going to see? When I go through here, what am I going to see? I don't know. Princess, what am I going to see? Southwest. I think I told my husband to use that card on tour. I don't remember. Look at it. I don't know.

Is he going to stay with you after this? Yeah, we like each other. When he sees this? Yeah, does he know what he is actually attached to? What he's about to f***ing burst with? He's known me a long time. I don't know why he decided to choose me, but he did, so. Probably because you come from money. $74.24 of interest is accruing. Microsoft Ultimate. Right, okay. That's the Game Pass, right? That's the game. Jeff Bike. Going in the gas station, getting some bulls***. Going in the gas station, getting some bulls***. Going in the gas station, getting some bulls***.

There was a late fee this year. There was a late fee this year. What the f***? After being bailed out this much by mommy, there are late fees? You've never learned anything because you've never had to... There's been no consequences. No, I just can't do automatic payments. You are financially f***ed.

And yet you go and own a nice home. I just can't do automatic gaming. No, do you not understand this? You are financially fucked, yet you are out there living the American life that a lot of people dream for. You have achieved that home ownership goal at 30. You do not deserve this. It has been given to you on a fucking platter. You have not worked for anything and you've never learned anything. Well, like I was saying, they're late because I realized the day after they're due, but now it's in my calendar. Just set up automatics. No, because I like to pay it twice a month.

But you didn't, and then you purchased more on it anyway, so it doesn't even f***ing matter. It doesn't even f***ing matter, dude. I know, like I said, when we're out of cash. But you shouldn't be. I know, I know. That's when I'm trying to figure out. But you don't budget, you don't communicate, and you just take your mom's money, and you f*** around with it. We're children. Yes. This is making sense. This is a lot of interest accruing, just hundreds of dollars of interest, etc., etc., etc.

I know, that's why I'm so adamant about paying 0% APR promotions. Well, we'll see. But I don't even know if I'm able to at this point. Yeah, by your choices. You spent $900 last month on the month where you're getting better on going out to eat. I've been sick. I've been sick, so I can't cook. Have the husband cook! He's been on tour! Is he a f***ing rock star? Yes, he's a musician. And he's still on tour.

And he can't cook. Well, he got home Friday. Good. And he can't cook? He can cook, but he was in contour. You can't meal prep. No, like I said, I was getting nauseous when I was cooking. Why? Just the smell was making me feel sick, so I took a break. I was probably just sick. I don't know. $614.74. Minimum monthly payment, $35. Oh, my fucking piece of fucking dick.

$1,297 of purchases on here while $24.38 of interest is occurring. What the f*** are we doing? What the f*** are we doing? If that's Amazon cards, just stupid Amazon purchases. Then that's not cutting back. If it's stupid Amazon purchases, it's not cutting back. Well, I told my husband I want to cancel our Amazon subscription. Well, at least you tell your husband something. Then do it. You do everything else without his permission. He doesn't want to. I don't give a f***.

He likes to buy stuff off Amazon. Great, you guys don't have money and he probably doesn't incorporate anything into this household income anyway. Knowing what he does now. That's just one of his jobs. Pull up your Amazon card from Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, McDonald's. Come on!

Fuck's sake! You went into 7-Eleven and got some bullshit? Burrito Boulevard, Amazon, jazz, wine, and liquor. It's not even just being used for only Amazon. It's being used for so much bullshit. Things that don't matter. Fuck you, dumb. At least no late fee on here. What is this thing? What is this? It's just a little phone. I don't know how to screen record on this kind of thing. Oh, same way you do on Apple. You just swipe down. No.

Or else I would see it. Well, you can get it started. You can get it started. You can get it started. You like that phone? Yeah. It's cut in half. It looks so... I did break it, though. Low quality. Oh, that's why. There you go. Bullshit. I felt it. That's fine. Yeah, we needed a fucking mug and piping and shampoo, yellow tones and condition damage and parental. We're trying to get preggy.

And Kirkland Extra Strength Absorbent Pads. Hot Anti-Bait Kill Queen Colony. Okay, yeah. Glue Cards Refilling. Pop Drop Morning Sickness. Okay. Amazon. Thermostat for Adults and Kids. You didn't have a thermostat at your house? You did not have a thermostat at your house? No, I didn't. What?

Is that a normal thing people have? Yes, they have a... Right? A little beep, beep, beep, beep. Well, now I do. Okay, well, yeah, but you got an expensive version. You're just under the tongue, girl. Marvel Assembles Hero. I don't think the kid's here yet. Plus, I don't think the kid's here yet. Coconut Fiber Matte Natural. What the fuck are we doing here?

Many guitar headphones? Get that one. Wall art? Great. That's necessary. More wall art? Great. Outdoor basketball? Fantastic. Necessary to live. We would die if we didn't have that. That's my nephew's birthday. Don't give a f***. Pay off your debt. Then give him a nice birthday present. I picked the cheapest thing you own. I don't give a f***. Book? Go to the library.

I say that. He says he wants to own them. I don't give a f***. Don't. Want doesn't matter. And also, sure, he probably wants things. Thinking your financial situation is better because he doesn't fully understand the context because you haven't allowed him to. Until right before he went on here. More books, more books, more books. This is f***ing stupid. Stupid. Home Depot. Okay, what the f***? What's going on? We. Building a crib? No, we redid our kitchen last fall. Summer fall. Summer fall.

Self-renovate? Yes, we did everything.

Okay, well, you owe $2,761 on a high-interest card and 61 cents. The minimum repayment is $47. You're okay with paying this off in 18 years because that's how long it takes. 18 years. 18 years to pay off your question. You'll want to remodel it by 15 years. We have a 0% promotion, and if I pay it off in a year. Literally, interest is charging. To some things, not the full balance. Okay, well, interest is. Probably to like $200. I don't care. Interest is charging. That is what matters.

to $200. Also, you're getting deferred interest and it has to be paid off in October of next year. I'll be able to. I hope so, except you're pushing. You... Listen back to your own words. I know, but I haven't stopped yet. Sometimes I don't have enough money in my checking account to make the minimum three payments. You just got your bank cut. Sometimes you make less than you need to make your payments. No! Maybe you don't!

I haven't had that happen yet. Your pay was just decreased, lady. Yet is the key word. I don't give a fuck. Also, you missed a minimum fee payment on another card, so that's not even true. I paid it the next day. Does it or it still happened? Yeah, but that's just forgetfulness, not because I didn't have the money. Great forgetfulness. I'm not going to forget again. I put it in my calendar. There are so many documents here. Who is to suggest you might not forget? Oh, you are ruining me. That doesn't affect you.

Yes, it does. I give a shit. Aw, thank you. About your husband. No, it's basically, it's like 750 bucks as a career interest, so not just a couple hundred dollars, that is still... How do you know? Because it says it! Leave it! Where does it say it? What do you think is happening? Where does it say it? What do you think? Here! What do you think is happening on this show? I want to know how to read. I have it! Okay.

What do you think is happening? It's so hot in here. It's so hot in here. I'm sweating. It's just $20. It's so hot because it's 103 degrees outside. It's $20. And she's sunburned from the heat. What's happening? She goes to Florida like every f***ing New Yorker. Okay, that's all she's doing. She just escapes and she goes to a place she can't afford anyway. You have a nice little mortgage up there, huh? I didn't pay. Well, you didn't spend any money down there?

No. Not a penny. I spent $20 on ice cream one day. Bad. That was my contribution. You don't have money. Well, they bought me food all week, so that was my contribution. My mom and my sister. Oh, for fuck's sake. Spoiled. The one doing her a favor by going on a trip with her. She wants to spend time with me, so I'll go with you. You don't need to go.

She has a house there. To spend time. She has a house there. Yeah, but to spend time, you don't have to go to Florida. It doesn't matter. It doesn't matter. But what a spoiled brat thing to say. Yeah. Yeah. Yeah. Yeah. I believe I've lost a pen. And does anyone see a pen? You're right. I've lost a pen. A pen is gone. I don't want your spoiled brat pen. Why? Because it's going to rub off on me. I'm going to start milking people. Ew. Ew.

They said you bought a lawnmower for $2,500. That's a long time ago. City simplicity. Yeah. Yeah. This is the house we want to bring a child into. Yeah. To be clear. We have an extra room. $6,228.38 minimum monthly payment, $286.52. That's f***ing crazy. Yeah.

Yeah. I think it already has the interest incorporated in it. And that's why. Yes, $51.91 of interest is accruing. It takes eight years to pay off. What do you mean? What the fuck? Okay, what's up with this card? Eight years. Yes, eight years! Shouldn't be that long. What? Oh, I'm losing energy and hope. What the fuck do you mean it shouldn't be that long?

right, it shouldn't because you shouldn't have this much credit card debt in the first place. But it is because that's math, lady. I don't know. I don't f***ing know. I don't know. I don't know. I don't know. Okay? So you tell me what? What? Why shouldn't it be? Why shouldn't it be? It is, but it shouldn't. Because when they offered me the loan, like it was like a $4,000 loan, it said a certain amount a year to consolidate. This is amazing.

What is the point? Because 12% was better than 24%. But look, it hasn't changed your behavior and then you just rack up the other debt. Yeah, but when I only, when I do use my credit cards now, it's for needs. No, it is not. We already just went through a credit card. We just went through a credit card. It was food. And it was so much bullshit. It was food. No, it was.

Yeah, it was. What was it? $100 on books?

That's a lot. That was stupid. Yeah, and the f***ing stopping in against bulls*** at the gas station ultimate game pass. I don't remember every little purchase. You should. That's not my responsibility. But there was a lot of bulls***. There was a lot of bulls***. That's my husband. I can't remember every purchase he made. He's the other half of you. And if you guys f***ing communicated, you don't think that counts? Why would he communicate with me? Oh, I'm stopping at the gas station. Let me just tell her exactly what I bought and how much I spent. Oh, you. And this is why you grow up as a spoiled baby.

has accomplished nothing because no, it is not about, Hey, I'm going to the gas station. It's about the amount of money we're allowed to spend on bull at the beginning of the month. And we meet at the end and figure out if we did, and we adjust for the next month. That's a great idea, Caleb. And I'm going to try to do that. Thank you for the advice.

I just don't see why he would ask me to buy from the gas station. But you're right. We can set a certain amount that we spend. We shouldn't be spending at the gas station. But he was on tour. What do you want him to do? He brought bread. He brought tuna. He brought honey. How much did he make for a store? I don't know the full number. Ish? Ish? Ish? The band in total probably made 10. Him? And then he pays...

I don't know. He keeps it to himself. He keeps it to pay off banned stuff. He pays the gas, the hotels, the merch. Oh my f***ing hell. I don't know what he does with it. I don't want to see it. You guys are... You're married on paper only. No, that's not true. Yes, it is. Besides the little insertion. Yeah. Insertion? Well, you don't know we do that. You're trying to have a kid and you guys are married. I hope you're f***ing... I said we're gonna try...

But no, we like each other a lot. He's my best friend. And that's the extent of it. Because you guys definitely are not combined in life. We are. I'm just not. I just have to keep his extra money safe from me. Safe from you? Isn't that smart? Oh my gosh. You are. I'm going to. I'm going to. Oh, I'm going to. I can't. City Diamond. Because I can't. I can't talk to you. I can't talk. I can't talk to you. $1,000.

$865.99. This one looks interest-free. What is up with this card? Same thing as all the others. Consolidation. This should be paid off soon. No. No. No. I mean, it ends in like 10 months. That's pretty soon. 11 months. No, the interest-free period. It takes four years to pay off.

Yeah, but I pay. Six years. Six years. I pay $110. A little extra. So it probably still won't get there. It's not working. Plus. I do the math. Listen, math lady. I have a spreadsheet. Listen, math tells me. I have a spreadsheet. My spreadsheet in my brain tells me that. Do the calculations. How much do I owe? Okay, here's the calculation. No, I'm going to tell you. Oh, I calculated it. If you make $5,000. I owe a thousand. I just did.

- Can I pay $110 a month? - Hey, hey, hey, hey, hey! - What is that? - I did the calculation. - Who quit you? - I did it! If you make $5,800, you can't pay your $6,200 required on a monthly basis. - But that hasn't happened yet. - Yet! You just lost your money! You just got a devotion! - No, I didn't. - And take home pay, yes you did! - Yeah, and take home pay. - Realize that if you do what you-- - You're gonna help me figure it out. Isn't that what you're here for?

I can't just say go get paid better again. Dude, what the f*** is your existence? Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon this social investing app called Blossom and thought, all right, let's go.

Let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss strategies with me and other investors.

There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just wanna get smarter with your money, download Blossom right now and you can follow me @calebhammer. I'll be sharing my exact portfolio breakdown, investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now, you can actually see what my portfolio looks like today.

This one's not 0%. You also purchased more iron than you put towards it, so... Freedom card. Mm-hmm. Freedom from using your brain once. Having independence once. Freedom from mommy? Oh, no, no.

$4,264.09. Minimum monthly payment, $105.14. The payoff, if you don't actually purchase and make the minimum, but you only know how to purchase, well, $63. Why wouldn't you purchase on a card that it's at least not accruing interest? Like, if we're just being, like, logical about it, I don't get it. $63.14 of interest is accruing, and then you go and purchase on here.

Like, what the f*** are we... I have cards that are 0% interest, but if I can't afford to pay them anyway... You can't afford to pay off the cards that are accruing it. Why would it matter? Because it's just like... I've given up. LA Fitness, Pet Start, Home Depot. We already have a Home Depot card. What the f*** are we doing? Well, I try not to put...

Well, it doesn't matter. I try not to put Home Depot purchases that won't get the promotion. I try not to. Oops, and then I do. Well, we fix everything on our own in our house. It doesn't matter. You still put it on a card that doesn't come into interest. I don't give a f***. That's not what I'm talking about. Did I say you shouldn't fix things? No, but we have to go to Home Depot to get parts. It's not like you can afford a contractor anyway, so I don't know what you're bragging about. I'm not bragging. What are you saying then? I don't give a f*** unless you have a Bonvoy card.

Minimum monthly payment, $40. Stupid, dumb, dumb, dummy, dumb, dumb dollars. You owe $1,065.31. Minimum monthly payment, $40. Three years to pay off. Interest is accruing. Minimum monthly payment made. No more. A couple hundred bucks interest accrued this year so far. I had that card at zero, but I had to get Botox at the beginning of the year. Had to? Yeah.

What would have happened if you didn't? Well, my TMJ was really bad. I don't know what the f*** that means. It's just this muscle in your jaw. Well, can I tell you something? You look dirty. It's not even, like, doing anything for you. It's not supposed to. It's to relieve pain. Doctor's orders? It's the only thing that works for TMJ. Doctor's orders? Yeah, well, I'd see... Doctor's orders? I see a doctor now, so it should be free in the future. F***!

How much did you spend on it? Uh, $1,200. Where'd you get Botox? America? Yeah. At least you did that. I'm a little nervous going to another place for Botox. People have had good luck. Why are you yapping so much then? So much bullshit at that job you heard of. What? What do you mean? Because of my TMJ? I'm surprised you've never heard of it.

Why would I? I don't know. Well, it was causing me like 10 out of 10 pain, so I had to get it. I don't know you, so why would I know? What TMJ is? Yes, why would I know that? I mean, it's a very common condition people have. So people just going through getting $1,200 shots always, constantly? Botox lasts, what, three, six months? Well, Google it. What's the best pain relief for TMJ? It's Botox. Oh.

Yeah, but you have to go do this so you have a $1,200 payment that you've done every three months. Well, I had 10 out of 10 pain. I was crying. I'm not against that. I'm asking, oh my, you were a fool. Why can't you answer the question? So you have to do this every three months. No. No.

But now insurance will cover it because I found a doctor to work with. And you've done the muscle relaxants, anti-anxiety medications, low-dose antidepressants. Yeah, I've done physical therapy. I did steroid shots. Physical therapy. Mouth guard. Okay. Again, I don't have a postal, but why did you go do that instead of go to a doctor first?

It was so bad, I wanted to get it done immediately. You can go see urgent care. No, you have to see a specific doctor. And she has to jump through a bunch of hoops to get it covered by insurance. So it's already been in process. I saw her for the first time in March. Well, I'm not necessarily opposed to that compared to everything we've talked about.

PayPal credit, what's going on with this? That's just little purchases I like to push off. You get the six month and then you pay it off.

So like sneakers that I need for work or concert tickets or flights when I go somewhere. Little purchases. Those aren't little purchases. I thought you were talking about like a vending machine stop in McFry. No, I would never put that off. Well, you said little purchases. Again, you have no concept of money because you've never had to work for anything in your life. I mean, little purchases is like $200, $300. And you've never faced any consequences and nothing's ever negatively impacted you in your life financially because you always had money in your bag.

I used to have daddy too, but he died. Well, see? Told you it can happen. Are you sure you want to leave that on your mom? If you do, I'm very sorry. That sucks. That's sad, and I'm sorry. But that shows that life happens, and you can die. Which means you put your mortgage on your husband's back. Means you put the credit cards that your mom took out for you on her back. Well, I got life insurance for myself. Yeah? How much? I think it's like a million or something.

Okay. What's the status of it? What does that mean? Just like how long you've been paying into it. Two years. Okay. What kind of life insurance do you have? It's through AAA. What kind of life insurance do you have? Well,

Okay. What do you mean? It's a different conversation. We don't need to go there. I don't care. I'm going through your debt. $1,236 with a $30 minimum fee payment. Yes, you made more than the minimum on this, but it doesn't always matter. And there were purchases and adjustments anyway. GOG, whatever the f*** that is. GOG. Games, I think. Nine years to pay off. Interest is zero. For now. Nine years. Nine years.

Nine years? Oh, to pay off. Not nine years and just free. No. She was just free until...

September 14th. Well, many of them know some certain October lady. June 14th, September 14th. I don't see a June, but I do see October, September, wait, sorry, October, November, November, November, and then February, February. So that's a lot to pay off by then. That's when they started. And that interest is booming like crazy. $16, $16, $32, $18, $7, $4. They will hit, they will blow, they will destroy you, and it will be...

If he ever wants to get a real job and bring in real income, I'll gift him a course career certification, by the way. No, he needs good money. Mattress firm. I hope so. It's hot, isn't it? Yeah. Mattress firm. $2,055.36 available to spend. I hate that it even says that. What is the minimum monthly payment on this normally? Because it was already paid on here, so I can't see. Because you didn't send a statement. You sent a screenshot. I know, because we had just got it. How much is the minimum monthly payment? Um.

I don't know the minimum. I only know the amount I would pay to avoid the interest, which is $100. Probably $45. No, $80. We're going to call it $45. Okay. So what is that? I'm guessing that's for a mattress. Yes, you'd be correct. How much of a mattress did you get and when? How much of a mattress? The amount of dollar. The amount that's on there. No, what was the purchase price, lady? Did you just get it? Yeah, that's why it's a screenshot.

Because we had just got it. So a $2,000 mattress? Yeah. Nice mattress. It is nice. You need that instead of being able to bank your other payments? Remember, you just went and got $1,200 emergency Botox. That could have covered that. That's more important. You guys didn't have a mattress before.

We had a really old mattress from 2010. Good, so you had a mattress. Yeah, but it's not good for your back. You could have gone another six months. And also, we don't know the state of that mattress. That could have been a mattress. Some mattresses will last a lifetime. It's a really good mattress. I don't know what the state of that mattress was. We don't know. What would happen in six months? Maybe you would have had more money to get a mattress. And now I have to go into debt for your Botox. Maybe. For a reason I agree with you getting.

But it's how you went about it and the way you're living life around it, which is. Yeah. I'm surprised mom wouldn't cover that. That's something where it's like, mommy, I would rather mommy step in and be like, oh, daughter's dying. Let me help. Instead of like, here you go. Let me enable your bad behavior. Apple card. Great. Love it. Oh, my. We have so many cards. This is insane. Balance. Two thousand seven hundred seventy six dollars. Fifty four cents. Minimum monthly payment. Forty one dollars. Fourteen years to pay off.

Went in, got some bulls**t from the gas station. Apple card. Went in and got some BS. Premium. Apple. Bill. Shh. Went in and got some BS. Underbelly. Bulls**t. Bulls**t. Bulls**t. Bulls**t. Hintress is a coin. Pull up your phone. Oh, f**k. I don't know how to get there on there. Never mind. What subscriptions do you subscribe to on the Google Play Store? Just Game Pass. Google Play Store. Oh, my phone. Let me play. I have... Well, my husband has Dropbox, iCloud...

You have an iPhone 2? Yeah. Why? For work. You have subscriptions on there? No. Okay, tell me. Keep reading. Go. Start from the start. Dropbox, iCloud, Game Pass, my gym. We have the Amazon Prime. We have AMC through Amazon Prime. Okay. I have Bubble. Bubble? What the f*** is a Bubble?

It's like an app where your favorite Korean actor or idol can talk to you. Wonderful. Cancel it. Wonderful. Good. It's only $4. Don't care. Cancel it. Only $4. It's adding up. You have no value. You don't understand the value of a dollar because you've never had to. It's just $4. Exactly. F*** you. Keep going. Spotify and YouTube.

If you have YouTube Premium, use YouTube Music. I didn't even know we had YouTube Premium until two weeks ago. He says no. I don't give a f*** what he says. I literally do not. He's a dumb c***. I don't give a f***.

No, he's not. Well, he is to me if he's not willing to sacrifice anything for his future child. He's not willing to give up YouTube and Spotify, but he doesn't care about anything else. Oh, you don't need both! He uses them for different things. Well, he doesn't have to. And his music is on Spotify. And it can be on YouTube. It is. How do you expect him to make money?

Do you have to subscribe to premium for that? Do you know that for a fact before you say yes? No, not the YouTube. There you go. So shut the fuck up. The YouTube has to watch you. Yeah, he couldn't come here. Nah, he's busy. Nah, he's a pussy. No, he's not. He's more of a man than you. Doubt it. I actually face my... I got out of my financial... He doesn't have any financial... He hasn't done anything. More of a man goes on tour and stops at the gas station for all his meals and won't sacrifice anything for the sake of his child. He wants to have a kid. He won't sacrifice a single...

You gotta get an energy drink. Yeah, he can stockpile if he's a man who knows how to do anything and care for himself. Can't even care for his wife. Can't even have a conversation. Can't even stand up to his wife and be like, yo, what's going on? What's going on? What's happening? Well, he would never call me a bitch. Well, I'm just saying that because I'm thinking that is you. But no, he's very much in charge. He's a big boy. Yeah, and that's why you don't tell him anything. Yeah. Yeah, I don't want him to worry. Very manly.

Yes. He's very mad at me. He gets a little worried. He gets a little worried. He can't do anything because he might get a little bit worried. He's not like any of the pussies I've seen on your show. But you are. But I am. Sure, I'll be a pussy, but he's not. Yeah, these are my purchases. I have the household finances, you told me. Yeah. They're our household. We went to him. Some were his purchases. You literally just said that like five seconds ago.

Yeah, but those are nuts. Shut the fuck up. I don't give a shit. This is a pointless, pointless rabbit hole. Pointless rabbit hole of nothingness. Okay, we have an auto loan. Yes. Two. You didn't wear deodorant. Oh, okay. $10,257.17. Well, it's radiating to my nostrils, okay? I'm sorry.

Minimum monthly payment, it looks like $178.76. You're coming to a place that is 103 degrees. I know. I don't wear it at home, so I forgot. Want me to go use the bathroom spray? No, I want to just wrap this up so I can be free from you. What is this car? That's our RAV4. Okay. What's the interest rate? Well, I don't know. Six? Six.

I don't know. Six. Can you give me, what is it? Do you know? No. You don't know at all? No, what does it matter? I have to pay it anyway. What does it matter? Because it defines if it's bad or good, if we should speed up the payments, if we should not. What the fuck are you talking about? It's 6.5. How am I supposed to speed up the payments? My choices! Okay. What is it worth? Do you know? The Toyota RAV4? The Toyota RAV4. I don't know, 10. Sounds like a commercial. 9.7.

So you're not terribly underwater. The interest rate's not disgustingly the worst, like your existence, but if you take it into appreciation, you're not certainly beating the market if the money was in the market instead. So it's not like thrilling. So we might come back to it. Okay, double card. That makes sense. Toyota, what is this? Tacoma. Pick up. I know what a Tacoma is. They might not know. They do. But what I don't know is the balance. Could you please tell me that?

I don't know. I see the minimum fee payment. I don't see the balance. Do we have the balance? Minimum fee payment is $178.50. We are investigating balance. I'm not sure. It's a lease, so it's probably like $12. It's a lease? How long is the lease? You know fees and bulls**t get wrapped up in that. What's the buyout? I don't know.

We don't know anything. Okay, great. At least we know there's a minimum monthly payment there. Okay, here's the mortgage. Yeah, I don't know. $409,154.86. Minimum monthly payment, $3,738.90. 6% interest rate. Yes, but our tenant pays $1,300. Okay, we'll calculate that into your income afterwards. Okay. Yeah, that helps because that's pretty brutal. I mean, that's half your f***ing income.

So that's a risky home to get. Why did we get this? It doesn't make sense. You can't afford it. If you didn't have the roommate, who knows how long that roommate's going to stay there. He'll stay. He's like our Joey. He's like our Joey from Friends. He's always going to follow us. You know, even the Mississippi that's been there forever changes course. He's lived with my husband for 15 years. Okay, doesn't mean he's going to have another 15 years.

I don't think he's going anywhere. Nothing is that stagnant in life. Life changes. You just literally think everything will stay the same. He's very stagnant in our life. In our lives. What is it? A fucking three-way? Like, he might... You don't know. No. He's not a three-way. It's just really good friends. He might have ambitions eventually. Eventually to leave and go do things. He might... What if he meets someone?

He did meet someone. They dated and they broke up. What if he meets again? He didn't want to leave. Huh? He didn't want to leave, so they broke up. Oh, my gosh. Okay. Maybe you're the only person in this entire world where the entire life literally will never change for the next multiple decades to come. Okay. Checking account. $3,000. Went up from $1,000. What? No, no, no. Whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa, whoa. No, no, no.

No, no, no, no, no, no. Checking account went from, no, ending balance, zero dollars. What account? Your Chase checking account. Yeah, I use it to pay bills. I told you we have no more. You went to zero dollars? Probably. That's insane for a checking account. Why? A bill comes due and you don't have the money. Oh my. That did happen. Then it comes out of savings.

We have the overdraft protection. Yeah, we decide to go to Colosso and go in the gas station, get some B.S. McDonald's, go in the gas station, get some B.S. Ash Greenhouse Cafe. We decide to do this even when we get down to zero dollars. We go fucking PayPal and going in, get into B.S., going in, get into B.S. Little Lunch or Neon Lunch Cafe or whatever. Aqua Hut.

Lynch Cafe. Starbucks. Lynch Cafe? Tropical Aquarium. We're doing this when we get down to zero dollars. Billy Pretzel. Tropical Aquarium. No, that's how we got to here. I said boo! Okay. Nirvana, go in and get us to be a smoke shop. Oh, glad we have an addiction when we're about to bring in a kid. Let's get lung cancer. I quit. When? Two months ago. Why don't I see a smoke shop then? My husband. Okay.

think everything either applies to you or me. No, he's going to quit. But nothing combined, alright? He's going to quit, but it doesn't matter if he doesn't. Shh, hush now. Greenhouse Cafe. Winning Gus and BS. Disney Plus. You don't even have a child yet. Though Andor is fantastic. Winning... Huh? You watch Andor? Yeah. Okay, maybe I don't hate you. For a second. Thanks. Did you watch the finale yesterday? No, not yet. Okay, I hate you again. Shut up.

Winning Gus and BS. Winning Gus and BS. 1810, $600, or $60. Who even knows where the f*** that went? Winning Gus and BS. Gift store. Lynch Cafe. Wine and liquor. We're doing all this while we're draining it down to $0. Ladies and gentlemen. Yeah. Shouldn't I use my debit card instead of my credit card? Epic Steakhouse. Winning Gus and BS. King's MT. Zella Money. You shouldn't be doing it at all. How come you don't comprehend that? Smoke Shop. Greenhouse Cafe. PayPal. PayPal.

YAS! T. Winning S&B S. Cineconvenience. Winning S&B S.

PayPal, Domino, Winout, got some stupid BS. Starbucks, Shabu, Starbucks, BS, BS, BS, PayPal, BS, Nirvana, McDonald's, BS, BS, BS, Lunch, Lynch Cafe, BS, Zelen out, Dunkin' Donuts, Transfer, Burger King, Bath & Putty Works, and...

Money out. Dollars in things. BS. Zelling out. BS. BS. F***ing money out. Cafe and Grubhub food. BS. Great.

It's the savings. It's the savings. That three has $3,000, but the checking account ended at zero. Stupid, dumb dollars. And we're going to have a kid. Good luck to that one. Good luck. Little child. Whenever you join us, $80 in this checking account. Oh, tropical aquarium. Duncan BS. Taco Bell. Wendy's little Tokyo. Good thing. Good thing. It keeps going. Mm hmm.

Zell, Zell, Grubhub, Ceribium, the brain thing. I can't pronounce it right now because I'm probably desperately dehydrated in this 90 degree room. Zelling out money. Oh, $1,000 in retirement. We're so sad, guys. Oh, $46,000. Who's this? Is that you? What? $46,000 in this retirement account. Is that you? Yeah. Does he have anything or is that the thousand? What thousand? He doesn't have a retirement. He has his stocks. Did he respond? Probably not.

Is he a bitch? What is happening? Why is he responding? He's probably doing stuff. What is he doing that his wife doesn't matter? Enron, just kidding. That's what he said. Why? It's such an undiversified portfolio. He said just kidding. It's so specific. I thought you said just kidding. He didn't say anything. Well, that is an E. It is an E. So what did he say? He said Enron, just kidding.

What? Get the real- Oh lady, you are a f***ing creature that has been hatched out of an egg and brought into this room to punish me. Are you proud of your existence? Do you like that you exist? Yeah. Why?

I'm funny. I'm cute. Funny? No. Cute? Uh-uh. Pretty? Yeah, you're fine. Thank you. But you're definitely not a cute personality and you are not funny. You're horrendous. Well, in day-to-day life. Day-to-day life. F*** your day-to-day life. Look what you've done. Look what you have made. I know. I'm stinking up your place. Yeah, you're also stinking up my f***ing place. Listen, your minimum repayment is not including your mortgage is $2,088.69. Okay.

Okay, mortgage is $3,738.09. I know we will incorporate that additional income here in a second, but what about utilities? How much goes out in total? So electricity is $254. Internet is $80. Car insurance is $438. I'm saying utilities. Oh, sorry. Is there gas? Utility gas. Like for my house. Yes. Oil. Huh? Oil. Oil.

Okay, how much? I don't know because we only fill it twice a year. It's about $2,000 a year. Okay, so $1,000. So $2,000. $2,000. You've killed me. What was the electricity again? $254. What was the internet? $80. Okay, utilities. Do you live in the fucking middle of nowhere? That's so weird. Utilities is $501. Okay, what's your car insurance? $438. Ugh.

Gas from Drive Drive. $180. No. For both? Sorry, that was during two weeks. $360. Phone bill. $210, but my mother-in-law pays $40 towards it. Well, great. We've saved so much money.

$170. Well, I want to switch, but... Necessary food, $600. $600. Use the cookbook. $600 meal prep. $600. Yes, you can do it. Okay. TP fund, anything else you need to survive, $150. No subscription. Well, fine, whatever. That's to say, you have a few subscriptions, $25. How much for the gym? $30. This entire episode, I've had to fart so bad.

And honestly, because of how much you're stinking up the studio, I probably should as revenge. But I'm not going to. I'm not going to. Ew. Weirdo. No, I don't care. Oh, you just, ew. How much medical on a monthly basis? Copays and stuff like that? Zero. What else needs to be in your budget that I haven't taken into account? I have ADT security system. It's 65 months. Okay. You have pets? Yes.

Yes, pet insurance for my little girl is $32. And then the food for them? We buy once every three months $60, so divide that by $3.20. Anything else? Not necessities, no. Good, I don't give a s*** about the rest. Oh, the life insurance. Use our budgeting app. Does that get taken out before your pay hits or after? After, because it's separate. So you sign up for it separately, and that's okay, because life insurance doesn't always follow work. I get it.

How much is the life insurance? $45. Needed to survive is $8,263.59. And you thought it was $6,000 and whatever? Okay, great. So, okay, how much comes in for rent? $1,300. Okay, great. So the entire household income is $7,600. How did you think you were

I'm so confused. $8,263.59. You're underwater by $663.59. The only option is he goes and gets another job. You go get another job because there is no survival here. Yeah. I'm going to double check the math just to make sure because that's a big number and I don't want to f*** it up and I don't want to doom and gloom.

That was right. All right, you go get another job. He goes get another job and you guys live on bare minimum and you grind to pay it off. But just that $70,000 of bad debt, bring an extra $1,000 a month net, which is definitely, I'm sorry. No, no, $1,663 net. If you go and bring that in, that still takes what? Six years to pay off debt.

I don't know. And don't consolidate. Again, you haven't changed behavior. Look at the spending in the checking account. But it's six years so bad. That's six years with you bringing in an extra net. Probably an extra before taxes, $2,250. Okay? Before taxes. That's you both combined. So that's a lot of work. That's you cutting back to zero. Doing that for...

six years that extra work probably 55 hours each a week in work so that's pretty bad sorry this is where you are listen what you might honestly want to do if you can prove for six months that you changed your behavior maybe go through bankruptcy but do not do any kind of debt shortcut until you fix your behavior or we will be having this conversation again in just a year yeah

Well, I'm not going to do bankruptcy. So if you can fix your behavior in six months, come back on the follow-up channel, and then I will give you permission for consolidation or bankruptcy. But until then, you need to fucking grind this shit and go make that extra money because that's it. Spending a budget, you overspend, zero to ten. I'm going to call the husband in the post office. Stick around. It's always the juiciest conversation. Subscribe below. The Elite version is the best YouTube membership on the entire platform, and it really helps support this channel. Debt.

This is brutal debt, but no collections. One out of 10. No IRS debt. Emergency fund. There's 3,000 in savings. I'll give you a two out of 10 for what it takes for you to survive. Retirement. Yours is good, but then you have to combine you guys together with where you're at combining him for a 10 real estate. What's the equity position in the house? What's it worth? The house. It's worth 550 now. Okay.

Well, this is what's going to carry you. I get to add extra nuance to my score since you didn't put down the down payment and you don't even appreciate it. I'm going to take an 8, 2, and 7. Hammer Financial Score, round it up, 3 out of 10. Guys, join us for the post show. It's going to get really juicy when I bring in the husband and actually expose all her bulls**t for real and let him know what is actually happening. It's going to be crazy. And don't forget, if you don't want to be like a guest on the show, just download my budgeting app. And for those who sign up for the annual version or premium...

I'll send you the budget from the cookbook, which you can't purchase anywhere else. I'll sign it and mail it directly to you. See you in the post show. Why are you too much of the bitch to come sit in front of me? Your whole shtick doesn't appeal to me. Your shtick is just going worse than a debt and not knowing a single thing about it. It is what it is. This kid's going to grow up on the streets. That's what we're hoping. What? That I'll grow up on the streets. How much high interest bad debt do you think you guys have? $20,000. Buddy, it's $70,000.

$1,000. $70,000. I know we're bringing kids into this world, but you're giving short answers that a child would give. How the f*** do we deal with that? So call him back and try to convince him. I will call him. Collusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.