Financial Audit's Biggest Karen

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I am a woman. I deserve to look good and I deserve to do what I want and I'm entitled to it. What does that mean? Being a woman? I'm entitled to what I want and to what I like. You are a Karen. Well, if they need to be destroyed, then I will destroy them. I know for a fact this is your second marriage and the first marriage, the finances were completely separate as well. So maybe we shouldn't head down the same path again. Maybe it's okay because I can still spend however much money I want and he doesn't have to say anything about it. It sounds like you're the f***ing one, I'll be honest. Fuck you. The summer budget reset is now live! Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything! So don't wait until that first pool party to get financially ripped! Click the link below, save big, claim your bonuses now! Well I wasn't actually expecting to bring up lesbianism. I was expected to bring up Mormonism but I'm glad you brought them both up for me. So I appreciate that. Well, thanks for coming down. What do you do up there for a living? 42 happy birthday by the way. Thank you. Your day of birth. I am an interior designer. Cool, what do you make? I make 63,000 a year. Dude, it's all expensive. It is. Is this alone? 62? So that is by myself, I am married but our finances are totally separate. Why? Are you married to a Mormon? No. To a lesbian? Well, he could be considered a lesbian. I don't think that's how that works. So why is it separate? How long have you guys been married? We've been married for seven years. Why are you guys separate? Because I mean I want to spend my money the way that I want to spend my money and he might not be on board with that. Yeah, but what about like self goals, like goals that we have as a couple, goals that we want to get to together, buying houses, cars, retirement, all that good stuff, vacations. She owns our home. I know for a fact this is your second marriage and the first marriage, the finances were completely separate as well. So maybe we shouldn't have had down the same path again. Maybe it's okay because I can still spend however much money I want and he doesn't have to say anything about it. Okay, then why the f**k are you here if you just want to spend all the money that you want? Well, I want to be able to spend the money on my house eventually. Eventually, you guys don't have a house? No, we do have a house. You have a house? What is eventually then? What are you saying eventually, trying to spend money eventually? What's eventually? Eventually is in a couple years when I have enough money to redo it. You want to fully redo the house so you pay to redo the house but then you guys split the equity in event of a divorce? Well, we're not getting divorced so it'll be fine. Yeah, that didn't work the first time. Well, he was an asshole. This one's better. This is what everyone says until they divorce and then everyone they divorce was an asshole. Well, that's true, I guess, but he's not an asshole. He's great. So it's going to be fine and... You have an odd voice. You almost sound like a voice actor or something. Really? Yeah, doesn't she sound like an actor? A little bit. Why? I am not a voice actor. This is just how you sound? Yes. Is my voice high? Is that what it is? It's weird. I don't know because I don't hear my voice the way you hear it. No, this is how you sound. It's how you sound. It's just odd. It just sounds like you're an actor. Never wanted to be an actor. So what would happen if you guys were combined? What would happen that you're just so terrified of? If we were combined, I probably wouldn't be able to purchase everything that I want, like my pen collection, my custom perfumes, all my jewelry. So I just kind of have to... He doesn't buy you shit. He doesn't gift you shit. Don't get jewelry. Oh yeah, he gifts me... Is all his debt yours? All this debt is mine, yes. I'm not seeing his debt. I'm not seeing his finances because it's all separate. Correct. How the f*** are you getting jewelry? Why are you getting jewelry if you have a shit ton of debt and it's all yours? Well, because I have to look good. I have to live it up for my job. Well, you failed. You got that haircut and you wore that shirt. Excuse me? This is very fashionable and my haircut is beautiful, so... Yeah, every woman's beautiful. 2026, there's definitely no ugly people out there. Oh, there's some ugly people. I'm just not that one of them. Okay. You could look fine. I do look fine. Well, you have the haircut of a crow. I think it's beautiful, so... I'm growing it out. The women in the comments will agree even though it just can't be... You're just like, you would shut down an event that is slightly too loud for your ears, Karen. Excuse me? No. Come on. You show up to the school board meetings. Well, if I had a child, yes, I would. Ah, HOA Queen. I love going to the HOA meetings because... Oh, do you really? Oh. I do. It's hilarious. Is that why you have such a fake voice? Because you're like a fake person and you just destroy all the lives around you? Well, if they need to be destroyed, then I will destroy them. Actually. Actually. All of this life needs to be destroyed. Well, if they're annoying. Just annoyance? Why not? I mean, I go after people if they come after me, but other than that, I don't know. Just like... Why, why, you just go... Actually, you are a Karen. You're Karen, chief. Oh my goodness. You're the ultimate Karen. I mean, if that's your opinion... Look at you. You show up to the HOA... I don't think any of us do this, but I was just thinking, you look like a Karen, but then you actually are with how you do things. I don't think so. I mean, if people deserve something, they deserve it. You mean, if you enjoy going to the HOA and you like destroying people's lives, kind of a f***ing Karen. That's your opinion. That's everyone's opinion. Well, they can think what they want. Okay. Okay. Well, at least you're wearing the wedding ring. So you guys are just fully keeping the finances separate. You think he's too domineering? He wouldn't let you get that shit? He wouldn't let you get the bronze? Is that what that is? Because that ain't gold. No, these are brass. Okay. Even better. Brass. Beautiful. You got a part of a trumpet on your ear. So I mean, maybe you should have him intervene if this is what it results in without his interference. I think that I look great. So we've heard that. I don't think that he needs to interfere with anything. Okay. So that's your big fear if you guys combine. None of the upsides if you guys combine. You're the one that prevents you guys being combined. I'm taking it based on your language and how you present yourself. Well, I mean, I guess we've never really had a full conversation about it, but I'm good being on my own like that. So full conversation. What does it look like over the last seven years? Financial conversations in general then? Well, the initial conversation was... Oh my goodness. He owns the home. He owns the home. You're not a part of this. No, he owns the home. He owns it. He bought the home. Yes. Well, because I had... You moved in. Filed for bankruptcy. So we didn't want to put me on that because of the interest rate. Yeah. That's someone who should have their finances completely separate. I mean, I guess I would want my finances separate from the crazy lady down the street that keeps getting bankrupt. Okay. Keeps getting only once. Okay. So you're not on the title. You're not on the mortgage. Who knows what's in this. Is there a prenup? No. He didn't make you sign a prenup. You sign it. What does he do for work? He works in the medical field. He's a medical assistant. And he... Making what? About the same as I am. 63, 65,000 a year. Now is it he doesn't trust the combined finances with you or you don't want to combine finances with him? Which one has it been throughout the years? Let's be honest. Okay. I don't want to combine finances with him. Listen, it would make sense that he wouldn't want to with you because you're you and I think we're already getting in the first nine minutes, what that looks like. But also, I feel like you would almost want to combine finances with him. Like you'd be in a better place. You wouldn't go to bankruptcy and look where you are. Look where you are from bankruptcy. You're from your previous bankruptcies still. You didn't improve yourself at all. You didn't learn anything. You're on financial audit. You're f***ed. Okay. I am not totally f***ed. I mean... You are totally f***ed, okay? I just agree with you, but... Okay. I mean, I can come back from this now that I'm making more money. Things are going to be great. So... Yeah, honestly, with your household income, though, you guys would have nice things. That's what I am trying to say. It's a great household income. Even at a high-cost living area, you guys do incredibly. You combine, you start paying off debt, you have an emergency fund, then you guys can actually live a really nice life, not like crazy luxurious life, but actually a really nice life with lots of nice things, actual nice things. Like you can get gold. Brass is just like the look. So I don't need gold. What look? Beautiful. Your look. My look. Your looks, I think you have put them on display for everyone to see and I'm going to let that stand as it is. Okay. Okay. Everybody can see. So you think he'd be preventing you from getting into that lifestyle, getting into those nice things because you guys would pay off that? Yes, but he might not agree with me when I want to purchase, let's say a $10,000 sectional. So if our finances are separate and I can pay for it. Isn't that what a marriage is about, though? You figure out what is actually what you guys can compromise on, what is a good, healthy purchase that you guys can agree upon. The fact is I'm actually kind of concerned for this guy because you're going to be holding him back. He's going to have to subsidize your entire retirement, subsidize the house. Do you pay for the mortgage at all? Yes. Really? Yes. Okay. What hits your account on a monthly basis? On a monthly basis. On a monthly basis. 4,000. Yeah. By the way, at 42, your retirement is a complete joke. So he will be subsidizing you. Absolutely. So you can go blow your money on sectionals. That's why we worked together as a couple. Why is this the one thing we don't? The thing that affects everything? Money. Unfortunately, welcome to not only capitalism, but even communism. It affects everything. It really does. He's going to be subsidizing you your entire life. Well, he can take care of me because he's the husband. Okay. Is that how we view our relationship? Does he know how much he's going to have to take care of you? Well, he wants to, so... Yeah. Does he want to tens of thousands, hundreds of thousands of debt potentially by the time we retire, which is based on your history of bankruptcy? He wants to take care of that or just take care of you as in like, yeah, provide for the house? Well, he provides for the house, so... No, that's what he thinks. I'm talking about eventually you keep putting this off, you keep fucking around, spending all this money on all this shit. It'll be fine. How old is he? 46. Is there life insurance? Yes. And what does that look like? Well, you just f*** up if you get a big pile of cash. I don't know what the life insurance looks like exactly, but I will get money if he passes away. Yeah, but enough for you to survive though? Enough for me to, I mean, I could pay off the house and just at least not have that to worry about. So, $4,000 is what comes in, kind of. It was $3,800, let's call it for. Okay. Very good. What was your spending? What was your outflow? $3,000? $4,300. So, if you keep going down that path and then you need to rely on him for your entire life afterwards, it's not him just putting food on the table, keeping a roof over the head. It's taking care of all your f***ing debt because, you know, you would have to settle it if you die and any assets are in your name. Who knows what's going to happen with the mortgage by the time you guys, you know, maybe you get on the title and whatnot at some point. I don't know. It's a shit gets so complicated with marriage and debt and having to settle debts in order to protect assets. You're f***ing over. Well, you have nothing in retirement. All for your selfish desire to never have to talk about a purchase in a marriage. You guys are in this together. You guys are in life together. You need to be able to have a conversation together. You just care and steamrolling over everyone around you, including your husband. Is an incredibly selfish way to live. I just need to have the things that I want. I need? No, you don't need. You want the things that you want. Shut the f*** up. You've never heard of need. You don't know what a need is. You don't know what a f*** it is. I know what I need. So stop. No. Okay. What do you need? What do you need? What do you need? What do you need? What do you need? What do you need? What do you need? What do you need? What do you need? What do you need? What do you need? What哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎哎 Karen you shut down literally loud noises you like going to HOA meetings you are not fun. What fun? What's the fun your fun is telling people that they're great at black grass is slightly too high and finding them That's your fun walking around the neighborhood with that. It's like binoculars in everyone's yard You wouldn't understand fashion clearly and your new money, so you don't understand. Are you old money? You're no money your debt your bankruptcy. What are you talking about new money? I have Expect certain things what? What do they expect look a certain way and have a certain sense of fashion and I know what is that sense? I look amazing What is your sense of fashion clearly nothing I Think this is okay. I mean okay, okay? I mean I'm not but I'm not saying I look incredible you are Is there is there someone with a fashion sense here? who Who's our fashion? Our fashion a fishie and auto Okay, can we call in our favorite Mexican Josh? I need him to suss you out because what the fuck are you talking about dude? I don't think if this is what they're doing in Utah. No people in Utah are No, they don't know what they're doing Brandon said you look like an Easter egg An Easter egg I Mean I can see it, but a sexy Easter egg Okay, I am a woman I deserve to look good and I deserve to do what I want and I woman You deserve to look good Everyone deserves to look good whether or not you do has nothing to do with your gender you don't look good and you don't you're not Entitled to looking good because you're a woman shut the fuck with that. What is that some 2016 bullshit? No, you're a woman Congratulations, yep, you're equal to me yep E that's what we try to do in this world by the way instead of putting you on a weird pedestal by the way and number two Title to looking good. It's just like however you present yourself is how you ever you present yourself and then you look good Or don't I don't know Josh come on over her favorite Mexican She's a hi Josh. Nice to meet you now Let's see if Josh is willing to be real or if he is Going to just be nice for the sake of nice. Here's the thing She's an interior designer and she says they expect a certain thing her clients and that is high fashion and looking really nice I mean and this is what she looks like so please Evaluate I think you look great. Oh No, look, I think whenever you have you have someone coming in you you probably have a specific clientele that's for your What is this clientele is probably want something a little bit more vibrant a little maybe a little exotic Maybe the type the Miami type that was in some like city. Oh, I Would imagine I would imagine maybe something a little bit more vanilla a little bit more like beige Okay, you know what I mean? of people in Utah are a little bit more vanilla and beige but my clientele is the higher-end clientele they do want specific Sounds fake doesn't it? Specific so I'm looking at UGC creators right now and you would be a good fit Not a bad thing you have the ability to sell about the literal Karen haircut. She will destroy someone's life It's not a it's not a traditional Karen haircut Josh say the Karen haircut is John and Keith plus eight you remember Kate. Yes. Yes Like this Way more a line Always goes back to soccer. No, John and kick Caleb, what's your fashion sense like? Oh, I don't know this for now I'm evolving like he's got all working our own things. We're all working on our own things. Yeah, is this bad? No, I remember what how you used to dress exactly. That's what I'm saying like I do Cut back to an old episode. Okay. Well, I mean I can tell you where it's going right now And to answer the question that I asked you again, two thousand seventy two came in you've done 300% improvement. Mm-hmm. Who's better here on the current where? Check out my shoes these were 600 a piece I Do like your shoes. Yeah, you're doing something right. I Think the whole Yeah, excuse me. These ones are much. Oh, they are kind of cool I see the vibe Caleb you're doing a good thing who's better in Terms of what though fashion I like how she's representing her personality Go play your soccer go play your soccer like Caleb. Yeah, go fuck yourself Thank you Wait, Lindsay's telling me right now that he doesn't trust you to combine finances Why'd you say earlier that it was you not wanting to combine finances? She's saying specifically he doesn't want to well, I mean, I think it's both Oh bullshit bullshit bullshit trying to look good right now. She says from all the pre-interview shit. It's him I mean, maybe it's him that he doesn't why why well because I mean he had to pay for my bankruptcy What first got together what? Immediately got together this dude for Hmm. He's not a wealthy man is he that's why okay. I understand I get it. Okay. He didn't He loves you. Gotcha. Yes, it must be love. It has to be love. It's love Oh, there was cuz it's he certainly wasn't simping I I wouldn't I wouldn't get it I wouldn't understand. Let me see what this man looks like. Okay, he won't be on screen I just need to see what this guy looks like. All right, there has to be something going on here Hey, am I reading this weird? Is this just me am I? I don't think I'm that My god that guy There we are together. Oh for his birthday oh You're both weird. Oh He's tattooed everywhere. He is rocking that 2012 hipster mustache Yeah, I told him to go that mustache and he did it for me Oh, shit. Why is he simping? I'm confused He actually looks like he could pull some weight and I don't mean that literally because obviously he is already doing that but I mean weight outside of Better looking. Okay. So he had to pay for it immediately when you guys met Well within like six months, I think that's crazy. That's thousands. No Um, I think a couple thousand. Well, I think that it's fair That he would refuse to combine finances with you Not that you're necessarily advocating for it because you want to be reckless with no punishment whatsoever no responsibility no Accountability at all. There is accountability. I mean At least I get him gifts too a little gift here and there is not gonna make or break life I don't know what gift is. I mean you're talking about what did he say you want to spend 10,000 on a remodel 20,000 Like that's not a gift. You know, that's different. So a little notebook or a little cute Thing is not a bringing flowers home. Is it gonna make or break someone's life? Especially in your guys's financial situation if you guys weren't completely Already which at least you are I don't know if he is this isn't about him But it is about the current situation you see yourself in but you you told the producer that You do not ask him about his finances because you're afraid of him asking about yours You're just trying to hide. You're just trying to Skate by and just hope nothing happens skirt by whatever it is And then he's gonna bail you out. Did you have a few thousand dollars in retirement? That is going to hurt him him not knowing because what the f*** is the future gonna look like What is it gonna look like you only have a few thousand dollars you just turned 42 today again? Congratulations on that one. Thank you Drowning in student loans with massive interest rates. I see it on the show all the time People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted Maybe you've already gone to a normal lender to try to refind into private student loans And they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought Yeah, that tracks. I guess i'm stuck. Stop it You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch The banks aren't rejecting you because you're a lost cause they're rejecting you because you're not profitable enough for them at a manageable rate That's where why refi comes in why refi works specifically with borrowers who can't get refinancing through traditional lenders It's their whole thing they refinance private student loans So you're only paying interest between 0.1 percent and 5.99 percent and they legally cannot charge you more than that They'll even customize your payments to get you out of debt at a pace that works for you And if you need a co-borrower release from your loan, they've got a program for that too plus their team is in phoenix Arizona So when you call them you talk to a real person it only takes three minutes to check your rates and it doesn't impact your credit score If you've been told no a million times try why refi head to why refi dot com slash hammer That is why are ef y dot com slash hammer or call triple eight y refi 78 that is 888 y refi 78 Break free from the high interest trap and get your finances under control once and for all You suck with money So you download a budgeting app you start with the classic one Why neb but everyone just deletes it because it's way too complicated to use So you go to every dollar that's Dave Ramsey the personal finance guy, right? Well, they're gonna force you to use it his way That's not very personal finances rocket money that you got a lot of commercials But they're owned by rocket mortgage. Guess what they want to sell you in the end Then there's the new guy on the block monarch hundreds of millions of dollars of private equity raising so far But private equity doesn't have the best track record when it comes to private data That's why I like dollar wise bill play these people just like you for people just like you No private equity no gimmicks just the best budgeting app there is Downloader now start the free trial dollar wise dot com link in the description below Like him not knowing that and knowing your entire debt situation Which is substantially larger than your retirement is actually really scary and it is Selfish of you to just sit here and pretend like you get to prioritize anything you want instead of actually being able to pull away And other ways non physically. I'm far from selfish. I'm so you are in this relationship financially And this relationship financially you are selfish you have no retirement yet You want to spend on a renovation that you want? I have a little bit of retirement I set a few thousand dollars that 42 is nothing shut the f*** up It's practically nothing that compound growth by the time two decades from now is going to be nothing social security Good luck. It's going to be pennies on the dollar. Well, who knows I might be dead by then if he's lucky But outside of that it says you holding him down You're the weight. You're the anchor in a bad way. You're not letting his ship move forward. I disagree You disagree. What's your argument? You disagree? Be able to make up more money and I'll be able to get it. How do you make up more money? What does this make more money? Because that if that was if that was actually how things would work seven years ago And you went through a bankruptcy. You know what it'd be tens of thousand dollars in bad debt Tens of thousands tens of thousands asshole. How much debt do you think you have? Like Maybe 18,000. Okay. It's 33,767 dollars and 23 cents. You have no idea what you're talking about. Shut the f*** up You'll be taking that shit. That's not forgivable like student loans, by the way, too Which is a few thousand hours alone. Like good luck. That's not going to be brain corrupt say 9,000 hours in irs debt Wait, what the f*** 9,000? What are you doing? Oh my f*** This poor guy And what what's his insight into this it can't be much because you didn't even know your number. He said 13,000 I said 18 Okay So you wouldn't be able to answer a question truthfully even if he did ask even though you're trying to prevent him from Asking oh, he should be here. He should be here. We need to send this directly to him when this is uploaded He needs to know that he is in a precarious situation. He doesn't need to watch this episode He actually very much needs to watch this episode. No Yes, everything is going to work out. Call him. You want me to call him? Call him Oh 200,000 hours on renovation not 10. What the f*** am I saying 200,000 you literally have 7,000 in retirement What a joke when you have over 30,000 now you have more in irs debt than you have in retirement Well, that is not my fault. Well, I'm sure we'll get there. I'm sure it absolutely f*** was The patient Cancel that Oh What do I do? Will he call us back? Yes All right, he's gonna call us back because he's in the middle of a medical thing Which I don't like when people die. So I think you should make sure they stay alive. Yes So you endlessly have been nothing but Irresponsible and you're taking him fully down with you and you did not change Why did you not change or learn about anything from your previous bankruptcy seven years ago? Because look where you are you didn't even know your debt situation and you spend more than you make today today today right now happening here Well, I need to have certain things like I said, okay. Well, stop with that. I'm asking stop with that. I am asking Why you did not change your behavior? You went through bankruptcy. It's because you didn't pay for us because you face no consequences He went and bought a house you get to live in a nice house now. He went and takes care of everything It's because you don't have to deal with anything. You're an immature little brat I am not I you are absolutely you didn't have to deal with the consequences of all of your bankruptcy You didn't even pay for your own bankruptcy. He did your title your entire life Entitled and I'm entitled to what I want and to what I like But you shouldn't be that's horrendous. How long were you single in between your divorce and this new man? Two years How'd those go? Well, obviously that led to a bankruptcy Oh sick. Oh guys, are we getting the picture now? Are we getting the picture from Karen beast? Well, I oh I get it. So the man took care of you your entire life Parents daddy the man Then the one moment you were alone for two whole years You accumulated so much so much debt and shit to sustain your lifestyle that you thought you were entitled to but you were no longer being enabled That you ended up in a financial situation Where you had no way out other than bankruptcy and then a guy came in Enabled you again fed into your entitlement And didn't even allow you to face any consequences or any bruises from your bankruptcy Meaning you learned nothing and you're doing it for the third time All over again second relationship and then one will your single going through bankruptcy I see the picture now you have literally And I still don't know how I'm not seeing it but Okay, let's talk to him Mr Hello, how are you sir? Hi? Thank you for keeping that patient alive for everyone Ah anytime. Sorry. Let's have some along so Why did you bail her out? Right when you guys met by taking care of this bankruptcy Allowing her to experience any kind of difficulties whatsoever from her previous mistakes Reason why I did the bankruptcy or why we pay for the bankruptcy you did you bailed her out the The ex-husband was fully taken care of her supporting her and enabling her Entitlements and then the two years that she was on her own in between she loaded Up her debt so bad because of her feeling of entitled to Elstern lifestyle that you came in and bailed her out And now she's building it all back again because she learned nothing. Why would you do that? Because we were buying a house and if we would have bought the house while we were married Um, basically they would have looked at the bankruptcy and beg. Oh, well you could refinance on this loan Or it would have given us a worse interest right than we would what we already had. Yeah, but why did you pay for the bankruptcy? That's a good question You bailed her out immediately six months into this relationship. That wasn't six months. That's what she said No, we were When was that that was September of 19 If my memory serves you right, is that a year in the relationship about a year then Yeah, a year and a half even still dating someone for a year paying for their bankruptcy is pretty intense That's quick moving. Mm-hmm. And also when she was building up all this debt and everything She was living in her brother's basement. It's not like she could use the excuse of oh, no She lost her man or whatever meaning she lost her roof No, she had a free place to live in a basement and she still fucked it all up and got bailed out. I feel like with her We're just enabling no Because look where she is today Yeah, are you okay with it? What are we simping for we're simping for something Well, here's here's the thing Right, I've always And I've always told her to begin with as long as we pay the mortgage and as long as the bills are paid She could do whatever she wants what? Which one would suspect that there would be some Self-restraint there some what would you say you can do whatever we want as long as we take care of the bill What where would that lead to any self-restraint that actually sounds like the opposite? well Yeah um Mr. Jack How much debt do you think she has well, I know For she owns for she goes on the car Other than that, I don't know. Okay, so what would you just guess gut? Ten thousand dollars dude, you're carrying her To her fucking grave because she's never gonna be able to contribute to this house when you guys retire She has 33,767 dollars and 23 cents of bad debt Including irs debt and also What do you think's in her retirement because you guys need to be able to retire together? It can't just be you what do you think's in her retirement? Oh right now probably nothing. Yeah, it's a few thousand bucks She has more an irs debt than retirement meaning because of this an absolute enablement and no consequences for her actions and no learning from her previous mistakes because of that she Is gonna be like Little cracks in a sinking ship pieces you guys are headed towards retirement. How are you gonna be able to Keep this ship a ship of flow. How are you going to be able to do that? How are you going to be able to take care of this household in retirement in a couple decades? Because it doesn't make any sense. She's literally making it so she can not only contribute nothing But we'll have liabilities hanging over her head. That's a damn good question I didn't realize she was in that much debt dude. I know you love her I'm not saying there's no love here. There has to be something because I'm seeing there has to be something And I'm assuming that is love but dude love cannot blind you from reality and this Karen is literally literally holding this marriage down Not letting it go to any towards any semblance of financial success just paying our merit our mortgage alone is not An indicator of good finances. It's not it's the whole picture and she's blowing all the money She wants to spend 200 000 dollars renovating this house. Yeah, I think that's garbage. Yeah, that is garbage Tell me about it. Tell me how these conversations have gone because I don't know how she's financing that exactly What is she has these well? She has these ideas about what she wants to do for the house But then she says oh, but this is five ten years down the road But five ten years down the load from her previous road from the previous bankruptcy is 32 000 dollars in bad debt Spending more than she makes a month by hundreds of dollars And having nothing in retirement. So where in the next five to ten years is she gonna have 200 000 dollars for this house? Exactly when she starts talking about it. I I commend her for the ideas because you know, it's good to have dreams. It's good to have imagination, you know, it really is It really is and Maybe we might be able to do it. Maybe we won't be able to do it. You know Do you think you might just be too passive because I think this is why she's kind of uncontrollable right now maybe Loving doesn't mean enabling bad behavior. I know you love no one is questioning the love here We really aren't and I I am not questioning for a single second that she loves you That doesn't mean we just roll over and we'd be passive to bad behavior, especially if it might be the relationship Finances are one of the leading causes of her divorce in this country. We already know she's able to go through divorces I want you guys's marriage to work That means the finances need to work within this marriage and just rolling over and say that's a good idea and that's a good dream Well, that's allowing her to accept that maybe it actually is a possibility in five years But there's no chance 200,000 hours into a renovation when she has almost zero dollars in retirement at 42 Is not a thing that's even remotely acceptable. She needs to get to a couple hundred thousand dollars today in retirement No, I agree with you. So we can't just roll over We can't Do you ever do you stand up in this relationship financially? Do you stand up ever? Yes, I do. What does that look like when you stand up? Uh turns into a five Tell me tell me give me like an example of what that looks like I want some insight One was the last time that we fought It's been a little while Is it because you guys put it off because you know it turns into a fight. So we just allow things to happen No Now there was one fight last year about finances because she took a financial freedom class that was offered through our church Swimming about how paying off Go ahead No, no, no, sorry continue and it was about paying off dead as quickly as possible Sounds like ramshree program, right? Sounds like yeah, okay. So she's a david ramshith fan Okay, we love that because that's usually offered through churches Uh, she certainly hasn't followed that looking at these. Listen. That's actually a pretty good program Um, that's that's not an invalid expenditure if it actually improves life same with our educational programs There's there's good things out there, but you got angry at that Well, there was one day that she wanted me to drain the savings account to pay off debt and I said absolutely not Probably down to a thousand hours Exactly and because that's that's not just Our money as well, but it's also kind of a rainy day fund If one of the cars breaks if one of the dogs tends to go type emergency surgery If there's something with the house that our House warranty doesn't cover and this is why you guys having separate finances and not communicating on what the whole financial picture of the house is Did not work it failed because she wanted to go Nuclear in a full direction without even having a conversation with you first Dave ramshith's program our financial program anyone's financial program does not work Unless you guys are fully aligned hand in hand ready to go into battle But you weren't aligned at all you didn't hear the messaging the preaching About the thousand dollars and all the stuff and I disagree with that as well. I don't think that's enough I think you need a one month emergency fund or highest deductible, but either way there as well, but either way She she can't Crusade into this without you It doesn't work like that. You guys have to be on the same page Which means you guys actually need to talk in a healthy way about finances You need to know what her finances look like she needs to know what her finances look like She needs to know what your finances look like and you need to know what yours look like and we need to know what the household looks like And we need to get on goals together Are you afraid of combining because of her bankruptcy? No, I'm I'm afraid of combining because of her spending Yeah, because if we had a combined bank account, we would be living paycheck to pay rebuttal um That is not the case. I think that I could I can you know rate in my spending sometimes She says she can rein in her spending sometimes That doesn't necessarily make me feel comfortable for combining finances. Oh, she can sometimes rein in her spending Okay, I would understand not wanting to combine as well But here's the thing if we if we're married and we're headed for the rest of life together We need to find a way to It doesn't people can do the uncombined But I think your guys is uncombined going in separate directions without talking is doing a disservice to you guys Because you guys are flailing in different directions and she's just Again making all these cracks in the ship of the marriage financially speaking So even if you guys don't fully combine accounts with jack, would you be open to at least Combining the conversation of here's the entire financial Picture of our household and here's the goals we want to do together and here's what we can agree upon and middle grounding to get to those goals Oh, absolutely. Okay. Good because I think that's how your marriage remains financially healthy going forward Okay, any final thoughts on this before we let you go No, I just got to get back to my patience. Yeah stick a needle in them I shall I Thoughts on all that definitely sounds like you're the one I'll be honest. Well My thoughts are it'll be fine. Like I said and he He's gonna be great It's going to be fine how you've gone through bankruptcy before never learned anything and this is what it's resulting It's gonna be fine I would like to hear an argument of how an argument of how I can stop Spending some of my money. Good. That sounds great. Why didn't you and why didn't you if you can why didn't you if you went through ram'seth's program last fall Well, these statements would look very different. I'll be honest. So if you could why haven't you because I still like to buy things Oh, very good. That's not changing when you leave this room. There's not a magical Spell that happens when you leave the financial audit studio that says, oh, I don't like to buy the things I like to buy anymore Well, I I can change Then why haven't you would be the question that I would follow up with And now have I guess I haven't changed it because I don't want to and why the f**k are you here Well, we'll see if I want to what I'm gonna waste my time Why the f**k would I give a s**t to see if you want to I want to help people when they want to be helped But to see if you want to f**k you you you What do you mean me what we for what I I didn't do anything. Okay. I do want to change. I want to renovate my house No, you need 200,000 hours in retirement at your age before you even contribute a single center Renovation, what are you trying to do renovation? What am I trying to do? That was the question Karen? Okay, I want to redo the floors. I want to put in a new kitchen. I want to do update my bathroom How outdated is your house? It was built in 68 and it still has a lot of the original stuff. So yeah 1968 Yes, okay. I would understand wanting to renovate Doesn't mean you can or it makes sense to especially if you're not even on the f**king title Well, I'll get my name on there. Okay. What do you think your financial score is zero to 10? Zero being the absolute worst 10 being the absolute best My financial score is Four okay. Okay. Yeah, sure Listen bankruptcy. Sure. Thank you If you want your hammer financial score, see where you stand. Take the quiz. Take the assessment It is free and it just takes a few minutes at Caleb hammer to come see where you stand in the world of money Where you're doing poorly where you're doing good and how you compare against other people It is awesome And if you don't want to be like a guest who ends up on the show make sure you download the new and improved Dollarwise budgeting app. It is absolutely incredible It is everything you'd ever need in want in a budgeting app And ain't all that extra s**t like wine app where it's impossible to get through their onboarding Or Dave Ramsey's app where they force you to do what they want to do instead of it being a personal financial situation for you Rocking mortgage or rocket money where they probably want to send you sell you a mortgage Or even like monarch that has raised almost a billion dollars in private equity funding, you know private equity likes private information so This is a budgeting app built by people like you for people like you So check it out dollarwise.app link in the description below start your free trial. See if you like it Let's start with these finances mission lane. What's going on? Um mission lane that is maxed out. Yeah, it is. It's over maxed out. Why what the f**k is happening? Well, it's so much i'm getting better. I went through Dave Ramsey's program you you It's gonna be fine like I said, so when David sees this what does he think? Wow? That's one of my financial Gazelles right there I'm starting to pay that down. No, I have the statement q. Oh, no Yes, no Summer is the perfect time to get your budget in shape and now that dollarwise is officially the best budgeting app on the market I'm giving you a special deal to download But only for a limited time when you sign up for dollarwise annual You'll get my four course educational bundle as a special bonus So you can get financially ripped while you track your money and normally this would cost over 700 dollars by the way But when you claim your summer budget reset discount You'll only pay 249 dollars for a full year of budgeting and lifetime access to my four best-selling courses Oh, and you'll also get a free copy of my budget friendly cookbook edf to download So you can also get your body in shape too Don't wait until your first vacation to try to get your finances together Go to dollarwise.com or click that link in the description below That's kind of stupid. I'll be honest But what's not is actually getting a checking account that gives you free money free money We like free money You can get up to 200 dollars in bonus cash right now when you sign up for the checking account that I use Time also it makes your savings grow at a 3.5 apy interest rate guys You can watch financial audit and get free money at the same time who would have thought that's incredible Check it out link in the description below. It's at a 4500 71 dollars and five cents that is over the limit. You don't know what the f*** you're talking about How long does this take to pay off if you only make your minimums to payments which You only made your minimum monthly payment and you don't spend I just saw you look at the number So you probably know cheater Did you see the number I didn't see the number how long does it take three years? Okay, dude Is this because you've never had to think in your life the guy just takes care of everything You're sexist You're making me be sexist and that's not fair 20 years Oh, okay. Oh, yeah, that's when you're supposed to be retiring by the way Yes, and you will only be stirring to pay off of this one card And you know why it's because you've never paid off your debt before Bankruptcy did a man did and a man did again and a man will do because honestly, he sounds like a push-over Sounds like a nice guy, but he sounds like a little pussy push-over. Okay This 2016 barista mustache for you. Yes, and it looks great. Yeah a decade ago. I'm sure it does a decade ago If that's what your style is decades ago, then please don't be renovating any of my houses soon I Have amazing style like we've discussed Uh-huh somehow josh agreed with you So yeah, he'll probably pay off your debt and you will have learned nothing again And that's honestly likely the outcome in this conversation because well, you didn't walk away from Dave Ramseyth with anything I mean, I Listen to what they said and then you're like Hey, babe, let's pay off all the debt and with our savings and by our savings his savings So you wanted to drain his savings down to pay your debt. It's It's stupid it makes no Sense, which also I wouldn't even recommend doing I don't know what Dave. I haven't listened to Dave in a hot second But if David doesn't say you have to change your behavior from pulling from all your savings first Then he's wrong because we've seen time and time again If you don't change your behavior before you take a fast track, you're gonna get right back where you were again Deck consolidation credit card transfer bankruptcy. You name it. Yeah, that's exactly what you've done So I'm glad your husband didn't do that I'm glad he didn't do that. How much was his savings that you tried to pull? Um a few thousand from his savings. No, how much come on. I don't know Oh, you what's the point? You don't a few months ago You don't remember and then you did nothing except for keep this over the credit limit somehow You must have been purchasing just recently and then 169 dollar minimum with the payment You're only making the middle of the payment since this takes 20 years. You'll be 62 and this card will be gone What is wrong with you? What is wrong with you, dude? There's nothing wrong with me. I oh bullshit. Come on. Let's not play pretend Let's not say things that we don't mean I need things you don't know. What did you get? Sure. What did you spend in here? Um, I think I got some new clothes some new shoes. That's our need. That's our need. That's our fucking need Yes, I needed it. We had a party for work and I needed a new outfit What what would have happened if you didn't show up with a new outfit? embarrassment Wow I needed to look really good. It was a big special event and we had a big open house And so I needed a new dress. I needed some new boots. What would have happened if you wore a dress? that you wore a year ago What would what would have been the what would have been the consequences? I mean no necessary consequences Then you don't know what the word need means because when I hear need I hear need meaning there's going to be something that happens If you don't need No, you wanted to you want an excuse to I mean I'm being told looking at your previous previous spending Like you endlessly go get necklaces earrings bracelets and every time it's not even necessarily something nice and we can tell You but you still go drop about 500 a piece you you go for quantity over quality I go for quality and so that's why it's more expensive wear trumpet earpieces Those are beautiful and they were only like 120 I know but you stack up to 500 hour purchases across the board because you just buy shit buy shit buy shit buy shit Adding everything into the cart doesn't matter because it's cheap. You just get it all the time And then we all know it's cheap. We can tell I needed a new bra Needed no no stop using this word need you don't get to use the word need you don't know what the word need means I don't think You know why it just emmage sent me again. You've never experienced the need You've had someone bail you out at every instance including your brother letting you live in his basement And I'm not saying he necessarily should I don't know if after a divorce But you've had someone bail you out every single second of your life. You've never experienced the need a struggle a problem I have experienced problems and struggles what what what well having to live with my brother. That was the struggle You're entitled you absolute entitled Man, what is wrong with you? Yeah, what was the struggle? I had lost my job and so I needed somewhere to stay read today about a 10 year old girl with down syndrome age I read about did you say want walk you got bailed out. What was the struggle of being bailed out? Struggle is you're not bailed out and you got to figure shit out I figured it out by moving in with him So your struggle is that someone else bailed you out? And got the whole basement to yourself well not the whole basement but oh no tragic what trauma I know I really wanted the whole sports court to myself what What I don't know that means you I feel like you just gave an inside reference to your own family on a podcast Like I don't know what the fuck a sport does does he have a gym in his basement a whole gym a sports court? Okay, you guys are rich. I like okay good. So a rich daddy bailed you out. Well done. Thank you You've never experienced struggle. That's your opinion. Is that your big struggle that you dealt with one time was moving in with your brother? Yes, that's where the tears are gonna flow. Yeah, I didn't have any other options So that was a struggle and he let me stay there. How is that not a struggle? Because you immediately got billed down and you got a whole nice ass basement Losing a job sucks. I mean that sucks. It doesn't feel good. Yes But you never were on the brink of homelessness. You were never on the brink of actually an actual struggle You've always had a man to bail you out. Stop making this a sexist episode. What is wrong with you? I'm not making it sexist you are kind of just I'm not really it's just based on everything you say And you you you want to be trapped all the way anyway Well, I just think that a man should take care of the woman so Yeah, if that's trad um, I mean if that's how you guys want to live your life sure but like at that point then it would be spending from his account and You're instead just racking up debt in the background that he's gonna have to take care of he thought you had 10,000 dollars in debt So this isn't him just taking care of you. This is you abusing your position I wouldn't say abuse of course not because you would never want to take accountability for anything. No Yeah, we know that we listen to you. We know people like you unfortunately, it's like everyone now Okay, dude, you had what is this you had late fees you had late fees. I had a late fee Uh, you had about two or three late fees. I was at 32.49 interest rate 1200 last year. What the f*** is wrong with you? What is wrong with you? Are you sure there was more than one late fee? Yeah Mission Lane's own HOA Karen came and charged you with a late fee. You got punished. I didn't realize that Karen meet Karen. I am not a Karen Brandon, can you come over here for a second? Can you come over to her side and stand next to her and just end of the Polar Mike Uh to you as well You're the second mexican i'm bringing in so hopefully you make up for the last one Josh says she doesn't look like a Karen. Um, do you agree with josh? Do you agree with me? You're a super Karen. Thank you. What the f*** was josh talking about? Respectfully Thank you for the respect. Yeah, I mean you got sideburns with your hairstyle Yeah, this is horrendous Or it's over the limit fees, which means it was happening all year. I got the f*** wrong with you Okay, care credit, right? This is usually for dog. Shit. That is for dog. Shit. Oh, it was for dog. Shit Well, it's over maxed out that usually doesn't happen with dog. Shit that usually means you're not f*** pain Well, I did have to pay for dog stuff And I had to pay for Some dentistry. Did you have to pay for late fee? That just happened late fee. Oh, I forgot to pay that one. Why why'd you forget to pay that one? Well, I just don't always think about it. Why not auto pay if the man's supposed to take care of you as your trad woman says Then why have your own credit cards anyway? Uses credit cards he pays for them. What the f*** is this? You're trying to be independent yet be wrapped up in trad Make it make sense. It doesn't Karen. Okay So I can be partially independent, but he can take care of me in food and Housing and stuff, but then I can still make money to buy the things that I want So well, I'm not saying you can't make money. Okay, but you're not paying on your own bills You seem to want the best best of both worlds where he takes care of all the big overhead Guys are man takes your head house and then you go and spend all your money on literally anything and everything you want Instead of having to contribute anything to the household. You literally just want the best of both worlds I contribute some stuff to the household. Well a little glacky glacky here and there good. I'm glad he's happy. Yes What else do you contribute to the household? An idea of a 200,000 hour renovation that he doesn't even want or think you need I I take care of the kids. Which are the dogs? So I pay for everything for them I thought that was about to be kids in this conversation. You really threw me for a loop real quick And Okay, the dogs so easy. Will they require grooming every six weeks and that's expensive Oh my goodness. You are a broken individual every six weeks. You cover grooming. That's your contribution No, I pay for all of their food and all their vet stuff Okay, that stuff could be big but listen not even necessarily he said he has to save you This isn't case something happens to the dogs and the dogs that you have Miniature schnauzers. Oh, you are a Karen extreme. How is that Karen? Come on. That sounds like an alt is that not a Karen dog? No, Miniature schnauzers are super popular. Miniature schnauzers? Let me look them up. It's a it can you please show him the picture with the eyelashes? They're they're pretty food. Oh, those are Karen dogs in the extreme. What do you mean? Absolutely are and also they're not they're very tiny their food is not expensive Even the expensive food is not expensive. You've never had big dogs. You can't tell me it's expensive I don't want to hear it. The grooming is also going to be cheaper too. Yeah. Yeah Pretentious fucking dogs. Yeah, those lashes are real and I'm sure they're very cute I would love them in person, but you're a Karen. You just keep being more Karen as we go on Well, they have to have specific type of food. So yes, it's more expensive Yeah more expensive, but it's still low portion and it's lower hair to cut too. This is your big sacrifice to the house Wow, what a hero. I know should make a statue Oh promotional pair Oh, what just ended a week ago? Oh, you got the deferred interest in me. So this is substantially higher now fees Interest late fees. Oh, you had approximately five late fees last year Maybe maybe you should actually let a man deal with all this shit because maybe you can't handle independence. Look at this This is a disaster. You're ruining all all the fucking deck kids We've had a feminizing and uh, woman power. You have just thrown back to the dumpster Okay, explain tell me you're throwing us back to feudalism for women What did I get a late fee on what? What got another late fee on that one? Yes, you've had five last year. You can't be trusted You want independence? No No, yes No, how does that show that I can't be independent because you didn't make half your payments last year on time What do you mean? How does that not show the fucking talking about you're making me look like a Most I'm not even close to try I don't give a You're advocating for independence yet having a man take care of you and then you do this We're gonna look this the show which card is that? Oh my goodness. It's the care credit Do you Karen's not remember the last five minutes? No, we don't We see acknowledge it care Of which deferred interest just hit a week ago moron You can't be you can't be trusted to manage it after a single second It's a 40 interest 40 interest your your Firm that's a shit ton of money on a firm the you getting on a firm all with amazon pull up your amazon Oh Lady miscare miscare and in what have you done? 2390 dollars and 21 cents on a firm you're a moron You're a moron consumer minimums to payment at about 577 And then you replenish replenish replenish replenish replenish Starting a screen recording. Thanks for not connecting to wi-fi I did says you're on 5g Let's see. Yeah, it doesn't matter. So do you anyway? Okay, let's see Quit smoking patches. I don't smoke the nicotine patches are for energy and for focus Patches why aren't you just zin and up? Where is it? I don't have it with me. Where do you put it on my chest? Is that normal for people who don't smoke? I've never heard of this. That's that's usually for people who Yes, nicotine is a good Supplement so wait, are you prescribed adderall? Yes This is why she's like this by the way. She just she took one She took an adderall and a caffeine pill in the green room. I'm being told This is making a lot of sense why you sound like oh my god. I'm a fucking actor I need to have a little pep in my step during the day because I don't sleep well at night Well, because you're morbidly obese you need to be able to step around things. Yes At least you need to be able to make it to the other side of the room somehow also What the why do you not believe in do not disturb? Okay, you got a little you got a little plushy. You got sal tt. What's sal tt? Oh that is electrolytes You know, are you working out substantially? No, then you don't need it You know through a most normal healthy diet people are getting the electrolytes they need unless they are walking and aggressive Unless they are working out and aggressively sweating then you need electrolyte replacement No, you should never drink water unless it has salt never Never that's what davis pre says I know Lindsay Lindsay knows that one He is oh, and that's the fat the fat in your coffee for your brain Okay, brandon would be a big fan. Lindsay's saying Uh, lots of plushy things you get these sheets. Are you obsessed with sheeps? It's lamb chop for the dogs Okay air filters fine. Why are you climbing all this stuff though? Lots of hair shit lots of hair shit um Gosh, it's a mix of things that are okay or over a bar and then bullshit It's stupid with the fact that you're affirming all this. I pull up your firm pull up your firm Oh, shit. Oh, you're going to seattle this friday for a concert six hundred dollars Who you seeing so that's what you're fucking cloning being a dumbass. Who the f*** are you seeing? I went and saw rocky votolato in seattle last weekend. I keep looking at everyone for these names Who are you talking about ever? Rocky votolato is my favorite musician and he had his 20th anniversary for his album So that one is higher what the f*** is wrong with you Andal you're not a credit card person. You don't understand shit. Okay. Yeah, I understand shit I am a credit card person because a credit card person is not just because you use a tool to get what I want and then I'll Off off your I mean, I have been called retarded by someone with Down syndrome before so I Okay I'm glad you got the validation Delta lots of delta. Yeah, you're going everywhere Elamon paper. What is a lemon paper? Elamon paper is I got a new planner and I needed some new planner inserts because planner inserts. Yes All you just over so that I can plan my day Have some budget planning insert shut the f*** up. I mean, I'll use them one day Just use the dollar wise budgeting app More on you get it for free for the rest of your life. Okay. I'm also putting you through the master your money program that comes with the premium version of dollar wise but also It comes with all of our classes our debt class budgeting class investing class real estate class You need to go through all of it and I'd go through it with him as well Yeah, go and go in on a trip to f***ing Seattle to see someone no one's ever heard of for hundreds of dollars Right before coming on financial audit is insane. That is a crazy move Well, I have been planning it for like six months to see volodotto rocky votolotto Who name a song? Makers sing it death keeps calling me. No try to put some tune to it death keeps calling me She's gonna set me free No more sunshine sidewalk streets or misery Do we know this? Oh and you spent money on that? Shit. Okay. Well, you're new for a minimum to payments. Luckily 783 If you're painting in four, we'll see Okay, and I know I'm sure those are like weekly split out weekly and whatnot, but apple card Well, what's going on here? Well, apple card is for Typically when I run out of money Money Like when you run out of money you run out of money every second of your life I need to get gas or something so you spend more than you make Three years to pay off. I drive a lot for work to work What? So I need gas money. I drive 45 minutes to work and usually takes an hour to get home. What the f*** is wrong with you? Why why do you live so far because all they said he isn't that big? You must live on the complete opposite end of the metro. I live up in Ogden. So Uh, I don't and it's because that's where my husband's job is and so that's where we purchased the home Trad, Trad home buy. Well, I don't see any purchases out here. You made your minimum But I guess you probably do on a normal basis purchase on here. Yes. It's fucking crazy, dude It's just crazy hundreds of dollars in interest 25.74% interest rate. I just don't understand how you're living your life Why are you living your life? Listen, maybe I'll get you a fucking certification from course careers and accounting too Most people out there use that to improve their income situation, but I'll gift it to you so you can understand Numbers math can be hard sometimes. So not this basic shit. I'm a f***ing math. Don't get me wrong Finances are basic math Okay, basic math Quicksilver you're spending on it. Why are you spending it on a card? That is over limit that is a crewing interest that you cannot pay off to save your f***ing life I don't know what i'm buying on that one. You don't even know what you're doing, dude You're over the limit on everything 512 dollars 23 cents minimum monthly payment 28 bucks takes two years to pay off Except not really because you're getting fees You're getting interest and you are spending on it. You are spending on it Well, like I said if in between paychecks, I needed to get something or go get a coffee If you don't take care of the overhead you shouldn't have an issue You shouldn't have a f***ing issue. It was a late fee Another late fee. Another late fee. I swear I paid these things on time. Okay. Well You just broke your oath Because you literally do not so I don't know what to tell you Anchors are crewing fees are crewing and you got an amazon purchase and we saw your amazons They weren't 100 necessity for living. I mean, I guess the dog toy is not a necessity But it was really cute and I wanted it Why does he deal with this? Oh, because he's a pushover. That's right. I forgot because my tits are big And don't forget I want you to be on the next episode of financial audit So go to kilopammer.com slash apply or click that link in the description below You'll have a great time and I'm gonna roast the f*** out of you Starbucks is Bullsh** and a waste of money and you already know that by making your coffee at home and investing the rest So now you need to do that with your energy drink as well Make gamer subs at home for just 40 cents of serving and honestly it literally tastes better And we proved this accidentally via a blind taste test in our hammer elite show fat and fatter The number one ranked energy drink is Literally the cherry flavor is insane Listen, you can also get free samples to see if you like it or 10 off your order at gamersupps.gg Or click that link in the description below type in code kilop Good on you guys my tits are big too You know see people put it up with my sh**. Are you sure? Lindsay do you put up with my sh** because I got big tits? Okay, I just wanted to make sure because because she does put up with my sh** Big pockets that's why Schwab tire center? Lishwab that I had to get new tires Oh, Lishwab. I apologize. Lishwab. Lishwab. Yes. I had to get new tires for my... You couldn't just f**k the favor. None of your money goes to overhead. There's no way you couldn't just get new tires Yes, I don't have that car any longer You still owe on tires on a car you don't own. What happened to this car? We traded it in for a better car. What kind of car do you have? Well, I mean a newer car, but not new What kind of car do you have? 2014 Hyundai Santa Fe Well, this should be paid off in a few months. I mean you owe 368, 54. How much were your new tires? I think they were 1200. When did you get these? Like a year and a half ago Maybe two years ago I don't know. Okay. Well, you've been paying on it forever. $111 is your monthly So I'm not freaking out about that, but what I am freaking about is this. What is this? Is this a clarna? Yes, what? That's clarna. Pull it up Take it master. Converse Etsy, what are you getting on Etsy? What the f*** are you getting on Etsy? Huh? Huh? What are you getting on Etsy? Huh? I got a few things for like a dress. I think I got A converse of those right? Yes Okay, this one That's some clarna being a f***ing Karen Your current your f***ing clarna being a Karen. It's impressive. There's your ticket master converse. It's just it's crazy That's crazy. Listen. Okay minimum on this is likely of the 293 0.68 So stupid. Why are you paying and foreign? It just makes it easier for me because because you don't make your payments on time So does it actually make it easy? I do make those payments. Those ones are automatic. I don't trust you. I don't believe you Yeah, but if you don't have enough in your account it bounces That's true. That's true. It just okay So I know I'm gonna have the money, but I want it right now What if you get laid off again? Remember when you got laid off that sucked? Well, I don't think people do a lot of renovations when we're in a recession and the job market's a little Quarterly gdp numbers were good last time but still I didn't get laid off. I was fired. Why for sexual harassment Who'd you harass the maintenance guy who was sending me nudes I smacked his butt And then they fired me. I was like he was sending me nudie pictures Why'd you smack his butt? Well, they were all joking around and they had uh new outfits. So What a man was sending you nudes. Yes Concentrally Yes, I mean I I wasn't really responding to him, but it was after my door. You invited them No, I didn't invite them I was chatting with him and then he sent that to me What the f*** dude Guys are out there slinging and I mean just what are we doing? Well, man get your shit together But it didn't bother you. You know it didn't bother me You liked it the attention. Well, he was cute I guess so you you you liked it. Yes And you didn't encourage anymore No, I didn't encourage it. How long was he sending you pps? Well, he only sent me one And it wasn't fully. I guess it wasn't a full nude. He had a towel on also. It wasn't a nude I guess it doesn't make it necessarily appropriate, but there's a there are degrees I know on the internet everything's a nuclear 10 out of 10 at all times, but just like murders there are degrees So he had been flirting with me. He sent me a picture in a towel flirting back. Yes. Okay. Okay Okay, you made it sound like out of the blue this all of a sudden becomes I'm not saying not inappropriate, but much more normal in the real world that Flirting can get to something slightly salacious. Yeah, so and then at work you smack them in the butt What did this look like? Oh Nice new pants back. Did he report it? Apparently somebody else reported it Because they felt uncomfortable Christian should have been fired like 50 times now the dude can't keep his hands off men's asses Especially Brandon. Oh my gosh. He loves you loves the fucking those cheeks Yeah, let's get HR in here Let's get HR in here. I want to see if you should have been fired or not Because I mean, I don't know Until you guys were flirting obviously different tolerances companies are afraid of lawsuits and whatnot um Was it a big thing? I mean it turned out good because I Didn't love that job anyway No, you didn't even get anything good out of it. No, nothing. I don't that sucks Oh, I guess it doesn't suck. Oh, he was cute at the time, but I was Like I didn't really care. I had just gotten divorced. It was before I met my current husband That's when we rebound for a little insertions here and there. Yeah for here there, but How much is that? Thank you when you got fired. Oh if me that's when I I had just got divorced I lost my job and that's why I had to move in with my brother. Why'd you maintain your lifestyle though? I just kept thinking that I would Everything would work out and I would just get another job Well, we don't know where HR is, huh? Okay, never mind. Okay, well let's keep going Zabble what the fuck is a zabble at 24.03 interest rate? What the fuck is this? That is a personal loan that I got to pay off my cards and We're gonna so you did it twice bankruptcy. No lesson Consolidation no lesson and you're consolidating it 24.03 interest. Well, that's basically a credit card. That's basically a credit card Well, I found my dream chairs So who has dream chairs? What is wrong with you? Again, you look like one out of Taco Bell from the 80s I found my dream chairs. How what is a dream chair? A dream chair is um, oh, I shouldn't even What it is the suspension chair from Star Trek the next generation And okay, show me what the fuck are you talking about? Did you minimum you're gonna be paying this off forever? $272 You're gonna crew almost $2,000 an interest You had fees. I think you had a late fee every month last year I don't think every month I think every month. So these are the Chair, let's make sure we put these on screen. Let's see what this is. Let's see what A $10,000 24 person loan never paying on time with $550 of late fees is all about You don't even have them at the ready your dream chair because apparently that's something people have Bro these look like so they are on Ted forward on Star Trek the next generation And they're so cute. They're so cool. They're very comfortable Yes, they are So I got four of the one arm chairs and two of the no arm chairs Where are they the no arm chairs are in my living room and the other chairs are waiting to be reupholstered They're very cool. Oh, you don't care about anything that is Needing to be cared about in your life at all Come on. You don't give a shit about anything important. I do those are your plans. No, you are just you You are not a good person financially But I have a good person I can't comment on that but if you're caring I'm not a good person Things towards the beginning are true. I would actually advocate no And you've had this for two years now and it's still this this is chaos. This is insanity, dude This is sanity late every month last year No, you had to have been unless every late fees is like insanely expensive I've only had that one for one year and no January 2024 it's 26 now I thought it was 2025 I'm being told 24 It was 2025. I swear. Oh even still it's horrendous. It doesn't almost let it make it better anyway. Okay Interest rates were on the way down at that time and it's still So like I don't even I don't even want to hear it. This is absolutely ridiculous Now you don't have money because you've been For things with all the money you do have who has this style who wants those chairs? That's not Who does this? They're very cool and when I re-upholster them in a really fun fabric They're so is that even the star trek chairs anymore you re-upholster it into Something else. Well, no, it will still be the star trek chairs It'll just have like an updated look to them. Oh my Fashion forward if you will Okay student loans for what? For a while. I thought I might want to go into aesthetics. So I What is going into aesthetics skincare facials that kind of stuff Esthetician like that. Mm-hmm. That's called aesthetics aesthetics. Yeah aesthetics correct And so I started school for that. Oh, you really made it almost absolutely nothing for a very long time by the way I decided no, that's not for me. So I stopped that but you spent thousands and thousands and thousands on that Because you still have a balance of four thousand three hundred sixty seven. When did you do that? Oh six years ago What's wrong with you? What's your minimum the payment on this 53? Why? You should have to pay more you don't do poorly you just spend all your money and everything. Why are we why are we subsidizing you? Pay more asshole. I will pay more when I can You never can you get star trek chairs. You're moron You're a f***ing Karen dude. You're no no no shut the f*** up Okay, what is this? This is a check and you count you have twenty three dollars sixty four cents on here Okay, then no 25 bucks. Oh, there's so much on here Venmo again 25. Who are you Venmoing? I'm Venmoing my dog walker You I thought you were the one who takes care of the dogs. You're the special princess who takes care of the dogs The queen of the house. Shut the f*** up. By paying the dog walker. Berga. What is Berga? Berga, it was my phone case What why are you having two payments to it? Oh because I also got a case for my back book And a case for my iPad a case for my mac book a mac book. I heard back book Door dash f*** you Palm Beach tan I need to go tanning Door dash again raising canes altar It's him which raw don't even know where the f*** that went 63.50 going in and eat into bullshit bow cube bow bow's cube bow's cube McDonald's then we're not money perfume then we're not money flat all going in is a bullshit going in against a bullshit What are you getting for six dollars and 18 cents from the gas station because it's multiple times Start Starbucks frappuccinos every morning on the way to work at Exxon at 7 11. Yes Starbucks frappuccinos Yes, just the little glass bottle ones. Yes. Oh my Make your coffee at home moron. Well, I do make some at home before I leave, but then I need another one What the f*** you are a broken individual. This makes no sense. Why not get actual real coffee from a place? It's cheaper than that. Well, it's two of them for six Buy them from bulk from the grocery store. They sell them at the grocery store for cheaper in bulk No, it's actually like the same price. No, it is not. It's impossible lies lies. I don't believe it I swear to you. Well, you already swore to me before and you broke that Amazon bow cube. What is bow cube? You go there all the time bow. Who is the bakery by my work? So I'll go there to get my goodness. Oh my goodness. You don't you are what is wrong with you? How many coffees do you have a day? Probably you took caffeine pill and adderol in the green room. Dude, your heart's gonna explode. It might but I drink about four or five coffees a day What that with morbid obesity and caffeine pills and adderol Yes I know I know I know I'm only supposed to have 400 milligrams of caffeine a day But I usually go a little bit higher than that. So what? Okay, you can get four from walmart the frappuccino's seven bucks seven seventy eight It's double the price the way you're doing those are smaller the four pack is smaller I don't know and I doubt not from the four pack is smaller cans or smaller glass bottles You're the black haired version of that cunt from harry potter that locked down the entire palace I've never seen it. So I don't know what you're talking about. How have you you what you got to watch at every christmas? What is wrong with you? You have you have you just don't live life You I swear you you're what is wrong with you? Thank you, thank you You're gonna ask why I'm carrying this around because I have a lot of weird things because I'm a fucking weirdo But it's okay. What's your heart rate put it on? Yeah, you have to turn it on sit let it think Oh my gosh Bow koop bow koop mcdonald's raisin canes audible go to the library bow koop venmo venmo Get in your little coffee pet smart venmo. Bow koop bow koop baricota baricota baricota baricota Bow koop bow koop apple bill bow koop Olympia hill service chick filet doesn't say them on a spending going to get in your coffee domino subway Hill service mega plex theaters apple bill etsy. You're getting a lot of shit on etsy coffee amazon dimitri martin amazon amazon venmo subway spotify mega plex at the gateway ice house Overdraft your overgap scene for this coffee at bow koop Well, I needed what is it? It's at 99. What? I'm no that's your oxygen you moron. It's 110. I don't think you should be sitting with 110 Not sitting walking sure maybe if you're if you're a high harry individual, but if you're at this should you be taking an aderall? If you're sitting, I don't know Also, I have a note. It is labeled off bitch 12 pack of 13.7 ounces for 33 dollars, which is 275 Per bottle Where off bitch i'll go to the grocer then Yeah, I mean if you're trading it up, aren't you supposed to anyway? No No, of course not again you pick and choose what you like. Oh my goodness Last year you had 17 overdrafts on here you caron freak failure. What are you doing? And I know you're not gonna fix this. I don't even understand you went to david ramson and you did nothing Have you called to david? No okay I want your answer like that for 17 and this I would definitely switch from so fine gutter chime It is much better much better better high yield better services and a better sign-up bonus 350 dollars Okay, 350 dollars when you sign up for direct deposit. It's incredible. But just still going in and getting the coffees wendy's wendy's coffee wendy's coffee uh bullshit amazon amazon amazon amazon bellcube perfume olympus hill service stopping at a store getting something 150 bucks. I don't know well the gorrow amazon mcdonald's Alexa skills Coffee mcdonald's coffee dornash and chick filet coffee amazon amazon venmo Oh coffee dornash amazon coffee amazon mcdonald's amazon coffee amazon artichoke coffee coffee amazon coffee Dornash amazon bellcube I don't have time to wait for lunch olympus hill service amazon amazon dornash you can games Put your dornash on healthy stuff anyway and pack a lunch you dumb cunt I try to but sometimes How do you try to pack a lunch? Whoops. Oh, I failed at that one. I try to be prepared What? Sometimes I do forget it even though I packed it. What? Oh you how are you like this? You have no accountability in your life whatsoever. You have never been able to hold yourself accountable No one has ever been able to hold yourself accountable. You are an entitled fucking brat hardware amazon tailored queen b gift Pro poll shit Savings Put it in put it in chime instead. It is a better high yield savings rate than that So if I I was a fan for a second, but honestly kind of shitty compared to chime. Okay, I'll switch Yeah, plus better sign up bonuses $350. I mean it's crazy Only if you use my link Um, and then yeah, so I mean 7,780 bucks in retirement, which is dramatically behind for your age All right. Let's let me budget this I don't even think you can stick to it though because you're an entitled fuck freak I can stick to it if I set my mind to it. Yeah, sure Let's get all those five brain cells working. Let me get Oh, sorry, I'm just being mean, but I hate karen's I really do Minimum a monthly payment and this concludes your paying fours, which makes it difficult I will be honest. It makes it difficult But the thing is I'm gonna keep them in because it's a It's just weird because if you pay it off and don't put anything else on there Yeah, your minimum two payments are immediately gonna go down, but the thing is You probably built all the way back up again I mean when I opened your affirm it was even higher than the statements you gave us So debt minimum two payments probably a thousand one hundred or a thousand six hundred and two dollars and 17 cents a month You can quickly get it out with the paying fours income four thousand. What do you contribute to the mortgage? I contribute let's see 1100 for the mortgage my car And I don't know what it is separately. I just pay him a check. Yeah, I didn't see a card So he did it for you because again, you can't do anything yourself strong in a bent a woman Yes, uh, does that include internet electricity gas and all that shit as well for the house? Wow phone bill That's all included as well. Wow. Look at you are being subsidized by this man I can't believe he's just allowing this to happen. Listen, you can use helium if you ever need your own phone service I'm sure it's good in Salt Lake City because it's just t-mobile service as long as that's good there It's a very price effective program. I'd recommend it 15 bucks a month for service gas from from drive drive. You say I spend a lot I spend $50 a week so That's a lot. Oh my I Yes, it's expensive, but you were gonna make it sound like it's a thousand hours in gas car insurance That's included. Oh my goodness. What is wrong with you? How do groceries work for the house? He takes care of them Oh my goodness. Listen tp. Find anything else you need to survive 150 bucks. Sure. Whatever medical healthcare their co-pays Yes, hopefully a dramatic amount of therapy except they're probably enabling you but go ahead. How much what's your co-pays? 25 therapy session. How many therapies? So once a month Yeah, double it up triple it up quadruple it up or see a different therapist. I don't know Jim None and I know you don't feel encouraged to go because you think you're perfect So I'll encourage to go at all. Well, good. He'll be very happy when you drop that at 65 subscriptions 40 bucks Pets. Yeah, get some pet insurance. Does he pay for that or you? Yes, he does and we have pet insurance. How much for pet food? I spend $50 a month. Wow. That's your super crazy contribution How much for the every month and a half grooming? It is 160 for both of them every six weeks Okay Oh, what are the hundred bucks a month you that's a great contribution. How much for the dog walker? About $50 a week Okay, do you think else that needs to be in this budget? Not that I can think of how much hairspray That was the That's about $35 a hairspray can and you go through one a day I go through about one a month. Okay Is that true? Okay. Well, that's in your tp fund, which actually I would need to update your tp phones called 200 bucks Which I'll add 50 bucks. Okay. Now listen, I mean sure you have money left over but you're just not gonna do anything You're gonna get your coffee. You're gonna be a dumb. This is like whatever. Okay $482.83 left over sure. Why not 33? $767 dollars and 23 cents minus the $4,367.00 in loans with this $482 a month pay off your debt. I mean, it's just fine because he's subsidizing everything five years Isn't that bad because he'll pay for you guys to go out to eat and stuff That's if you actually follow this just don't spend money on bullshit pay off your debt You'll be debt-free get a fully funded emergency fund. I guess for your side Then you need to start contributing to retirement. Fuck this renovation Maybe do some things as you need them along the way together. You guys just need to be together This is just this is so fucking stupid. I don't know. I don't know. We might call them in the post show um To figure out what is the thoughts after all this but you can pay that off. He'll treat you He'll give you the luxuries you all your money needs to go to taking care of your Use now. I just don't think it's gonna happen. I hope it does. Let's get your hammer financial score Spending in a budget I'm gonna overspend zero out of 10 debt no collections, but wait, isn't there IRS debt? Oh We'll talk about that in the post show. Where was that? I didn't even see it I just said zero out of 10. That's a zero out of 10. We'll talk about that in the post show Kill me now. Emergency fund nothing in savings zero out 10 is like 200 bucks retirement One out of 10 dramatically buying real estate. You're not entitled zero out of 10 Call hammer financial score rounded out 0.5 out of 10 to get yours at kalefamber.com Now click that join button for three premium materials posted every single day six days a week for an extra 20 minutes of this episode The financial auto post show we got to talk about the IRS then probably call back the husband. What the But what the fuck is going on with this IRS that while I was previously And Wasn't saving enough money to pay my taxes and you just found out I had a payment plan set up I thought I thought I was making payments on this. I thought this I thought this what the Don't forget the summer budget reset is now live get a full year of dollar wise premium plus my four best selling educational courses And a digital copy of my budget friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you This is a better deal than we've ever done before and it's only for a limited time It is 67 off everything So don't wait until that first full party to get financially ripped. Click the link below save big claim your bonuses now