$388,000 Of Debt To Storm The Capitol | Financial Audit

From working title, producers of Bridget Jones and Love Actually I'm looking for this girl called Emily I'll help you find her Comes the truly feel-good British rom-com that's being called a five-star instant classic Tell me you didn't have the school email, what message every Emily? Hailed as hilarious and original Hey Emily It's Notting Hill for a new generation I don't think that's the wrong number Just didn't write number you, did you? Finding Emily Only in cinemas May 22nd Book tickets now To watch episodes of Financial Audit a week earlier Check us out on YouTube I'm in debt because I didn't attend January 6th Well what the f*** do you mean? So my insurrection, my radicalization started during that What the f***? You said you deserved a year off After grinding for four years I deserved it A year to yourself? What entitlement is this? What bullshit entitlement? F*** you, you don't deserve anything Well BLM, I was gonna donate to I'm thinking and then I educated myself Oh How do you think George Floyd died? F*** That's the wrong hero to have Dollarwise is finally here Sending waves through the personal finance world This is officially now the best budgeting app on the market And I'm giving you a special deal to download Take a free three day trial to test it out And then you get the monthly plan at a 33% discount for the first three months Or the annual plan at an insane discount And most people sign up for the annual version Because this saves a lot of money And you get my detailed 30 day meal plan Signed by me, mailed directly to you Plus the digital version of my cookbook for each recipe Don't miss the opportunity of a lifetime Download Dollarwise to start your free trial Go to dollarwise.com or click the link below Hi, I'm Pam I'm 56 years old Damn I'm sorry From Hudson, Florida And this is Financial Audit Pam I was actually laughing Reading The top of the document for this episode for the first time In this channel's history I was in my office laughing Oh no Because you telling Lindsay It fits your aesthetic I'm in debt because I didn't attend January 6th What the f*** are we talking about? What the f*** do you mean? That's how kind of all this started brewing And I only wish that My friend Mike Pence Had that additional courage January 6th So my insurrection, my radicalization started During that time Okay And you're in debt because of that? I was supposed to be there And I did not attend Because I had previously agreed to go to Marco Island With some friends that I had vacationed with every year In January We usually go to Puerto Rico But we went to Marco Island Do you have FOMO of Jan 6th? Well, I was kind of following along Because we had a rainy day on January 6th Down in Florida And here's my friends All sending me videos of what's going on On January 6th And I'm watching the news And it's all hell breaking loose And here's my friends singing And everything's peaceful and sweet And now I'm seeing like There's all kinds of violence going on So now other people are messaging Saying what's going on there? So how is it that half the crowd Didn't know that there was an insurrection happening? I don't... I wasn't there I don't know I didn't participate myself Yeah, it was kind of wild I don't know, it was a big political moment I'm sure there were people there That had no idea what was going on I'm sure if I was there I wouldn't be participating in any violent things Exactly But there were some people that were That were, yeah Absolutely, caught on video How the f*** is you not going there Leading to you being in debt I'm so confused That makes no sense Make that make sense to me I know So you didn't throw a chair through a window Now you're in debt? No, absolutely not But, well, so that's like 2021 that happened, right? Because it was after the 2020 election Or saying because Trump wasn't still in office You're missing your mortgage payment He's in office now Oh yeah, yeah But at that point Now personally I was a poll worker during the 2020 election as well In Tampa, Florida And they were also saying There's no fraud in the elections There's no fraud in the elections I also witnessed that Not kidding Okay And you're missing a mortgage payment because of that? Well, so this started the whole like Radicalization process where I'm just like Of who? Of you? None of this? Yes Oh, tell me, okay, sure The world is cuckoo at this point I'm seeing these things I think the world has probably always been cuckoo Humans are... I assume Okay, so you got radicalized I don't really like radicals, I'll be honest I just figured that could have been easily been me And actually... What could have been? Voting illegally? Going into the capital during that time Not voting illegally But watching illegal votes being made Okay, you saw illegal votes being made Or to volunteer at the poll work Isn't that like kind of what you're supposed to be Like, oh, sorry, you don't have the right idea or something? Right, yeah And I was... Why were you letting it happen then? I wasn't I was rejecting too many voters So they took me off the poll pad It's gone off Were you correctly rejecting voters? Yes They all had the same birthday Like a whole group of people come in And they all have a January 1st Same year Birthday The address will come up And it's not even a whole... You just have to take your word that that happened But okay, so what happened on that? Well, there were several things that were happening So they put me in where the ballots just get put in They didn't want me on the poll pad anymore Because I was rejecting too many voters Without me seeing it, I can't believe or even not believe It's like it's air It's just words Like it's nothing, like what, okay Well, for example, a miner came in She's 17 years old She knows damn well she can't vote So I say, hey... What is she doing, baby? She's... I don't know I don't know She looked smart Did she think she could vote? I don't know Maybe But I told her, no, you can't Because you're a miner, you have to be 18 Yeah And they told her to go walk to the other end And they handed her a ballot So, you know, what's going on with it? So as a registered independent They let me be a poll worker What I found out afterwards was that they didn't have any Republican poll workers there They just had Democrat and independent So that's how I got in, I guess I was a Democrat in Massachusetts I had voted that way all along Where's this going? It's going to my kind of meltdown Financial meltdown, I would call it So Trump didn't win in 2020 Right He came back in 2024 It was crazy, yeah Okay, I mean an election's an election, whatever Right, yeah 81 million votes for Biden, yeah Was that the number I wasn't tracking? Yeah, well, personally Yeah, well, I also did work for Lookahead America And looked at voter rolls as well Lookahead America, is doing what? Okay We were tracking people voting in multiple states So to say that there was no fraud And to say it's incidental If I'm finding it and I'm a nobody Then other people must see it I don't know what to say about that Again, I don't know, you're not seeing anything If you give me like a policy Usually people like that So it seems like you're on the extreme right Okay, usually people on the extreme left on this show They give me like a political position that they can shit on They're not even giving me one You're just like saying I'm not extreme You're like I'm not extreme I don't know, you call yourself radical That is extreme Well, to go from like crazy liberal Thinking that, you know Trump is a psycho and a douche canoe We used to call him and roll a derby Everyone on the right Hates Biden, everyone on the left Hates Trump, I don't know This is what they all do This is what that's what I acknowledge I hate the both Oh, okay Yeah Okay, I mean the only position you gave me Is you saw people legally voting Like I can't deny or say I agree Like I don't know, I wasn't there You're just saying something So nobody's there to protect us, right? Your vote kind of doesn't matter at this point I'm confused I do not understand what that has to do With being late or something or more I don't even know Finances Okay So you were radical in one direction And you moved radical in the other direction And it tends to happen I mean, trust me Like super left, Bernie Bowe's went super right as well Like that, people that follow for populism Many people are very populist They tend to just go populism on any direction I don't know It's like, I just try to stay as much as I can In the middle, I'll take positions on the right and left Just depending where facts are But you definitely seem like You just go from radical to radical I don't know But regardless, I have no idea what the f*** That has to do with any f***ing thing I'm from Massachusetts My world is completely different I was sitting on a pile of money I ended up buying I said, you know what? Florida, I'm gonna stay here I had been dating somebody up north And we were going to move to Florida together Okay We split Can I hear Florida's nice? It's very nice Okay And I said, do I fell in love with Florida anyway? So that was in 2019 Nice and red for you This is... Everyone's super nice and friendly Well, Florida is nice and red for you Yeah It's very Republican now Everybody's nice and friendly, though Oh, okay I'm not getting like whistles in my ear For having a different opinion You ever wonder how much of your life is just for sale online Like it's a clearance rack chaos? This is a multi-page report showing what data brokers collected on me My phone number, my income range, where I live Even guesses about my habits Like who approved this level of creepiness? And here's the worst part These companies are counting on you to do absolutely nothing about it Because, let's be honest You're not deleting every app or reading every privacy policy Right? It's basically a system designed to profit off of you Well, you look the other way And that is why I use Aura, today's sponsor Aura scans data broker sites, finds your personal info And sends removal requests automatically And not just once, either They keep going until it's actually gone Other tools might try it once and call to win Aura sticks with it and keeps monitoring In case your info pops back up again They also include things like fraud alerts, dark web monitoring And identity theft protection So you're not left exposed Take back your privacy Try Aura for free for 14 days at aura.com slash amour Let's get back to this show Hopefully with fewer strangers knowing everything about you Is that what they do in Massachusetts? They would, yes Absolutely There's so much of that going on Nobody can speak or... Yes Okay, Austin is incredibly blue One of the blue cities in America I have not got whistled at Well, because you're not out there with a Trump shirt on Or a hat or whatever Yeah, which I don't either Shit Because, yeah But if you did Just sound economics in Some weirdo with a whistled would come up and blow it in your ear Okay, so you were in big protests Protest versus protest Yes So you got involved in the f***ing crazyship Yes, a little bit Well, I'm not surprised That gets heated When two political factions go at it on the street Absolutely But one can debate and one cannot Okay, yeah One has some facts and one does not Also just depends on the facts we agree with I mean, I don't know I took a political compass test the other day I lean left socially and I lean right economically It's like, sure But where can you say just like facts are? Like, who even knows what that is? What can you back up with anything? Oh my gosh, you're gonna get me sick Okay, sure, what's an indisputable fact? Indisputable fact Yeah, suck me down this rabbit hole Indisputable fact 17-year-old got to vote in our election Okay, that's not an indisputable fact Because like, I might believe it happened But you can't say it's an undisputed fact Just something that only you saw It's like, because you can't show someone that You, right? This isn't a scientific report That we can be like, this is an undisputable fact But I tell the truth I don't need to lie about anything We just have to believe that, I guess I met you Okay, we've been filming for 13 minutes 37 seconds So I met you 20 minutes ago Okay I actually saw so much stuff that day Okay I had a notarized statement That I turned in to the election committee I was that upset And what am I supposed to do with that? Like, what is going on? So just think about it Okay You see, you see all this stuff going down Yes, I saw it But honestly, I'm not, I don't really, I'm not in that world That's not one of my big things to Yeah, so this is my perspective I go in there thinking that, you know Everything is lovely We have our rights and, you know, that's why I volunteered to be a poll worker I get paid to do it regardless from my job Okay, well, stay to run the elections Get Florida to make it more strict, I don't know Yeah, and the way they make it more strict is to have ID But when you're Yeah, it's Florida They take you off the poll pad So that somebody will accept every ID I don't know, Florida is not a left state by any means I'm pretty sure they have a complete ownership on all branches of government in Florida, right? If I'm not mistaken Not Tampa or Orlando Doesn't matter, it's state election laws Right, yeah, but it depends on who gives you the ballot And this led to me With a shit ton of debt Yes Someone voted illegally Absolutely, well, think about it I'm in there Everything is lovely I believe that our government is working for us They're not Nobody cares It's It's done, right? Sure, okay Yeah Yeah So I moved to Florida Everything's great Okay, so it was in Massachusetts Where that was happening No, that was all in Florida Because then why'd you say so? I moved to Florida Okay Yeah Sequences of then, lady We're in Florida now, yes Still in Florida Okay, you're in Florida now Okay, and? But I got from my little beach cottage in Massachusetts I bought a beautiful house Damn, you gave a beach cottage in Massachusetts That's like dreams and goals though Right, but I'm not Of these suburbs? I don't have boomer wells Well, you're a boomer, that's for sure Yeah, I'm close, I think, I don't know Oh, you're a boomer What? I'm a gen X Okay, boomer amps Okay, we want to go to Red State We want to leave Blue State, go to Red State Okay, that's what I'm connecting, I think More sanity, especially with all the COVID stuff That was going on Lovely Very good, okay Sure, so that's why you're in Florida Okay, so it's not because... So what, are you saying that you could have overturned the election If you were there on January 6th And that would have stopped all the COVID issues? No, but I could have been in a prison, in a gulag somewhere Or wherever they're putting people So you wouldn't be in debt because you would be in a gulag? Well, partially, right? I'd be done for Um, okay, okay, very good So you moved to Florida to get a little taste of red Now you're red, very good, okay? So you went from extreme left to extreme right? You are not independent You are not independent You are not independent, I'm independent When people like you say independent And it ruins people who actually are You're not independent I... Just own your shit, it's okay Now listen everyone, but you're clearly, you already have your worldviews Just do it, own it, I don't care if someone's left or right But own it, don't say you're independent Absolutely independent Bro I can... I do not like what Trump's doing right now, at all What, what don't you like? About, I... Because I don't know enough about it, right? Like Iran, with the war and stuff Like what, which part? Because he said... But is it because of America first? He didn't Or is it because... Yeah, like... Well there you go, that's usually a more right-leaning populace Perspective Yeah, because we should take our people here Well there you go, that's usually that position on the anti-Iran Comes from the right populace Like... Funtests and stuff Okay, very good So I mean that's not screaming centrist to me What else do you disagree with, centrist? A lot of things I'm socially liberal as well What? In some ways Yeah, we should have... We should be able to help out people This country has so much money, we're just printing it for some reason Well, I mean 50% of it goes to health and taking care of people I can't print my own money Well, yeah, that wouldn't be very good What am I paying taxes for? Huh? What am I paying taxes for? Hey, I'll go say I put your name Well, 50% again to health and taking care of people I mean even though I'm sure there's lots of fraud and a lot of bullshit But okay, so you disagree with... Lots of it But you say I disagree with Trump When you say that, you just mean Iran, which has split the right Well, it's just that all the things that he campaigned on doesn't seem to be coming to fruition But usually those people that say that from the right-wing perspective is because not enough deportations So they're upset with that from the Trump administration The war in Iran because it's not America first Well, what else? You're not centrist, lady, let's just be honest You're not centrist You come from the right-wing perspective But own it I don't give a f*** Own it though Let's say you're a centrist, you're not centrist You said your only liberal belief is you're okay having a little bit of welfare Every modern economy believes that Everyone believes that Okay, that's it Alright, so you wanted to know how this all ended up happening, right? Yes, please, yeah, take me there So, I'm... It's now 2021, bought my house Which, okay, he has a liberal thing, I bought a swinger's house People like to f*** believe you believe in an out-regardless of political ideology Yeah Just gonna let you know, but okay, yeah, very very left of you I had to invest some of the money from the sale of my house into this house So I wasn't sitting... A teaching house works, it's only a house and buying a house Yeah, so it hadn't been updated since 93 Oh for f*** sake, why did you buy a house that would require that much Work to bring it up to date three decades Because I fell in love with it Why? Because it looked like a house that a Florida person would come out of in a pastel suit And a Ferrari in the yard So it looks like a house built in Florida Yes I feel like there's probably more of them Yes, the whole neighborhood looks like that And Florida, oh And it had a pool Oh, that's very rare for Florida After grinding for 40 years Yes, yes, yes I deserve this Grinding doing what? No such thing is deserved by the way You absolutely deserve it Okay I was cleaning dirty hotel rooms There is an entitled more left position of you You deserve, no you don't Absolutely Working get or don't It's up to you what you do with your life Yeah But go ahead So I'm like 16 years old counting pills in a pharmacy And giving out medications to people It was legal in 1986 What trauma, okay I'm cleaning hotel... I'm talking about like people that don't have to do these things now Who are having their parents taking care of them Like me, I was working this whole time And now I'm seeing like it doesn't matter where my taxes go Cleaning dirty hotel beds in a hotel having to wear gloves You don't want to explain taxes I don't know, what are you saying right now? Yes, what was like... Congratulations, you did what everyone does Yeah Okay So after 40 years of doing that Yeah I'm done I want to have a year Can you afford it? To myself A year to yourself What entitlement is this? What bullshit entitlement? F*** you Until modern civilization People just worked and died on the field I'm gonna give a f*** you You don't deserve anything I absolutely do No, you absolutely don't No one deserves anything I don't deserve anything If I work hard If I'm strategic with my money I can afford Reap what I sell No one deserves I'm sorry The only things I would be okay with deserve is like Yeah, maybe basic like minimum food And we got that And you know, just like making sure people survive Okay, I'm good with that part Sounds like you are too But deserve... You don't... No one deserves to take a year off of work No, I worked during the whole thing I worked during my... Sounds like you didn't take a year off You're 2025 Okay, uh-huh The house looks like a normal house I don't know... I just pulled it up on Zillow, so... It's very special No It was special to me And that's why I bought it No Yeah Changed the pools of salt water What? Yeah, painted inside Had to get rid of that carpet Whoa! Paint? Didn't know what was in that carpet Had to get all the mirrors off the walls Wow Fully mirrored Hero The trauma you've been through in your boomer life So there goes... We're gonna learn you today Yeah, learn me something You learned me that you did pill separation I definitely bet the person who gives me my monthly medication Doesn't do that Probably not, because it's illegal now What? Does fucking count pills? Count pills, yeah Oh, minors, yeah, but when? You were making money when you were young Okay, I don't know I was just... I worked this thing and shaked that age So here is all this shit going on Where obviously we don't have a government That gives a shit about us Oh my gosh So I'm like... So why is... I'm now getting stressed because of work Yeah, what's your job? Stressed out? Young Huh? Yeah, so I said, you know, I got... What's your job? I'm a project manager For energy management You're stressed out being a project manager Something AI can basically do for you God, how are you stressed being a project manager? It was the situations that I was in Yeah? Within this company Let me guess, the project became complicated No, I could handle complicated The people became complicated Yes Oh, that never happens in social workplaces, environments At all with humans, complicated creatures 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 YRFY comes in YRFY works specifically with borrowers Who can't get refinancing through traditional lenders It's their whole thing They refinance private student loans So you're only paying interest between 0.1% and 5.99% And they legally cannot charge you more than that They'll even customize your payments To get you out of debt at a pace that works for you And if you need a co-borrower 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 3 minutes to check your rates And it doesn't impact your credit score If you've been told no a million times Try YRFY Head to YRFY.com slash hammer That is Y-R-E-F-Y dot com slash hammer Or call triple eight YRFY 78 That is eight eight eight YRFY 78 Break free from the high interest trap And get your finances under control once and for all But here I am Like 40 years of grinding Oh, you did it I get some medical bad news Cancer? I was... I actually have aneurysm in one of my aortas But it was due to stress So... Okay, is it still there? Yes Okay, what do you do about it? Yeah, well the first doctor basically was just telling me That there's nothing I can do about it And I'm just gonna have to deal with it And it'll burst Okay We're gonna monitor it And when it does, what happens? You die Well, that's not good Right, yeah So... Refuse to do anything Do you just be pretty stressed? Do you take like a... Medication or something? Like I don't know Yeah, so I did all the things I lost the weight I went down to 135 I was in my goal weight So this is all before this financial meltdown Happens Financial meltdown Right? I'm in YOLO 2025 Ah, yep, the year of January 6th Yeah, well that's the basis of this Oh, it's not Because I was happy happy happy That happened You were happy until January 6th happened And then you were angry? Which led you to be in stress and get into an aneurysm? It's related Okay, so... Trump was president 2016, he won Trump lost January 6th happened That upset you You got stressed and fat You had an aneurysm That's the sequence of events Did I finally get it? 28 minutes in? Because that kind of answers that I guess actually So is that what happened? No, I'm stressed stressed stressed Just with what's going on in the world Just knowing that This is all fake Then the world is not for you It's time to disconnect Then disconnect Disconnect Disconnect It's not for everyone If you can't handle the f***ing news Don't listen to it And your life won't change Like the world won't change around you But your life will be improved Some people... I like to be informed as much as I can But it doesn't stress me out So I'm okay But if it's true, you're not to the point of death Disconnect But that's... Nothing will change That was a different kind of stress What happens if you're not as invested? The world doesn't get better or worse So just stop, you're dying Well, this was my mindset, okay? I'm just laying the foundation Of the mindset Of where I was when YOLO 2025 had to begin Okay So YOLO 2025, right Okay, third time I've heard it That must mean it means something Well, it's just when this meltdown happened It kind of started in 2024 So here I am, like, working, working So YOLO 2025 started in 2024 It's all bullshit Yeah, a little bit It's all bullshit What do you mean it's all bullshit? Let's define that worldview If that's what defines all of your finances It doesn't matter what you vote for It doesn't matter who's in the... Who's president Objectively wrong It doesn't really matter with national debt You're correct on that But social policies and a lot of different things Foreign policy, absolutely, it matters What are you talking about? We definitely... What? What has changed? What has changed in terms of foreign policies specifically? No, I'm just saying in my day-to-day life Biden, I don't think would have done anything with Iran Good or bad, you know? He doesn't even know what planet he was on Sure, okay But listen, like, Trump went in He was much more against, you know, Iran Getting a nuclear missile He can agree or disagree with the war But like, I don't think Biden would have done that Okay, very good Biden... Well, Trump ripped up the Iranian nuclear deal You can agree or disagree with the deal Doesn't matter Biden wouldn't have done that Trump didn't in his first term There are different things that happen, okay? We're much more... Ukraine Against Russia during the Biden administration A lot more money going over there Things are different You know, where we... Yeah, just whose pocket the money is going into No, no, I mean even just the relationship with NATO is different The trade tensions and trade policies And even just the conversations around Greenland It's different It's a different pern ministry You can't say nothing matters It doesn't matter in my day to day life Well, okay, that's the point That's relatively true Yes Now the tax cuts would have expired Your taxes would have actually gone up a little So it actually does kind of matter So you can't actually say that But, okay, closer to true than not Right So I'll give you that One thing that I did notice that changed though Was the interest rate on my student loan Okay, well that's the Federal Reserve lady Yeah, well the Federal Reserve under Biden I got an 8% student loan Dude, that was Jerome Powell who was put there by Trump in his first term He needs terrible at his job Okay, but that wasn't Biden It was during his time I'm not sucking Biden's dick Doesn't mean... It doesn't matter the Federal Reserve is independent of the President All right, and that's why we can't get good interest rates now Yes, why was interest rates high? Because inflation was high No one likes high interest rates But what's worse is high inflation High inflation is worse than high employment That is why I am where I am now What? After all that All that rambly You're like, that's it And that's it You're sitting on money right now I was sitting on money Oh, was, okay Yes And now I find out about this thing I feel my mortality What thing? What thing? The aneurysm Okay And this doctor's very negative about the whole thing And basically tell me there's nothing that they can do Did you get a second opinion? I absolutely did Good That guy said I need more salt in my diet We could monitor this a little more aggressively And I will have to go for a surgery, but it is possible There you go So great, but I'm hearing this over a year later Okay I should have gone a second opinion a little quicker, but... Absolutely Absolutely But to get a... Does everyone know that? To get a heart doctor in Florida Yeah, this is not where everyone's dying Exactly Isn't that perfect for heart doctors? To cram up the doctor's offices Oh, what did you think the supply and demand? Okay Yeah, we don't have enough doctors down there, I guess I guess, but maybe your insurance doesn't allow Okay Yeah Maybe you don't have great insurance I don't know My insurance is good Yeah, so anyway I'm... I feel my mortality 2024 did start And I went to a concert And I hadn't gone in 10 years And I'm like, you know what? Screw it, I'm gonna go to a show Kid Rock I'm gonna... Oh, god, no Okay, that was a joke Although... It was falling in reverse And I did... I want to go VIP, right? It was wonderful Yeah, the $20 And it felt great I felt alive I felt great All of this bullshit All of that crap Oh my goodness, yeah Surround yourself with negativity all day It's weird when you actually do something nice That... It's... Yes Your brain is happy Yes Okay Yeah, so there was all this bullshit going on The world in my life In everything medically Feeling my mortality Yeah, I'm gonna enjoy myself Okay, so you spent a few hundred bucks on a concert ticket That's why our finances are... Well, I flew to Raleigh, North Carolina for this show Oh no And I got the VIP meet and greet Oh no And because I had to show Ronnie Radke my shirt Anyway, paid extra for that And then I decide, you know what? I'm just gonna go to all the shows I can The money always comes That's the thing The money has always come Not for your boomerass Good luck getting employed again if you get laid off Well, that's the problem, right? And I'm... I've been at my job for 16 years And I'm realizing that too These companies don't care about you Grinding for all this time In what way? The pens... How are you defying care? They... You can get let go in a heartbeat Yes, that's not not care I care about the people working here But if there is a budget crisis Or if someone sucks at their job That's not not caring about them They won't do anything Like then nobody's gonna come and say Let us help you or do you need anything What do you mean? Do your f***ing job? What do you think you're employed for? Well, I'm talking about the businesses that I've worked for Are very like big corporations Sure, what? You want them to come suck your dick for doing your job? I don't... What do you mean? No... What do you mean? So I'm going to shows I'm doing what I want The money always comes It always comes Except not really Because you just established If you get laid off You're probably f***ing no age discrimination in this country You'd be f***ing... Yeah, I would now But I wouldn't have been before A year ago? Yes, you would have been Well, before... What's different? 2024 Yeah, a year ago It was YOLO 2025 That's why It was... I'm gonna do anything I want I am going to... But you still would have been f***ing... So you would have had to find another job in the job market It wasn't as great then either But it doesn't... I'm not planning on getting laid off Like I'm not gonna do the spy job Oh, you're not planning on getting... Oh, she's not planning on getting laid off I had money Very good I had money Project manager Guess what's the easiest thing to replace with AI? Well, they haven't so far So far is the keyword there Bro Yeah, so I... What is even in your retirement, boomer? You can let that go right now Oh, nope Yes Or you will be boy I'm okay with being boy Okay, boy Oh, no, I'm so insulted Okay Guess, what's in your retirement? I'm about 75,000 Oh f*** Yeah Oh f*** But I had always been responsible Always had put money in there Nope, now it's 75,000 dollars to 56 I got divorced I had to take all the money out of that What? How much did you lose in the divorce? I have no idea I don't pay attention to any of this Oh, yeah, so financially responsible of you I'm not claiming to be financially responsible I'm just saying the money always comes Did she just say this? I've always been financially responsible Well, before, I'm talking about... Okay, before, you wouldn't know how much money you had You wouldn't know how much money you f*** had I never pay attention to that Then you can't say you were financially responsible But the money was always there There for what? You're in debt You can't say the money was there You're putting it all on debt You f*** moron What are you talking about? Yeah, well, the money was always there Do you think you're ever gonna retire? Because of 75,000? No Social security benefits are gonna be cut by a Legally mandated minimum 25% by 2033 And that's when we push retirement age Which would f*** you Or lower benefits across the board But that's already gonna happen Do you know why? Are you tracking that? Because the boomers aren't dying off quick enough No That's a big group of people that... So you don't know why? No, and I'm gonna go early anyway So I'm not really worried about it Okay, well, the reason why is because Every single dollar that's going out has to be Coming in, there will be nothing left on the side So the moment that happens Mandatory minimum 25% cut across the board Of retirement benefits The only way to prevent that is, of course, Rain payroll taxes or, you know, social security taxes or... Or get rid of fraud Get rid of sending money all over the world That's not gonna happen, unfortunately But even still, I mean, social security is paid out Through the Social Security Fund regardless So that's not gonna... Giving the country another money wouldn't change that Unless they allocate more money towards that Through a different tax, I don't know It's up to you I guess, I don't know Well, you have no idea what you're talking about You don't even know why your benefits would get cut How are you going to retire with that 25% cut That is maybe gonna happen or the age gets pushed And you have $75,000 That's what I want to figure out Because I am going to live now It's a different ball game Okay, that's contradicting when you just said you're not gonna be here for very long Well, I'm gonna live long enough I want to retire like yesterday Uh-huh I want to be done Well, good luck You kind of threw around your entire life And didn't pay attention anything And it was not financially responsible Now you have $75,000 And you know what's gonna happen, ladies and gentlemen? I roll my $%$ every time I see it now You know what's gonna happen? She's gonna be 70 And there's gonna be a clip online on Twitter or TikTok Or a news piece About a 70-year-old working a cashier position at Walmart And we're all gonna be so sad saying Oh, she didn't know what her age should have to work to pay the bills She lived her entire life Around did whatever the f%$ she wanted Didn't sacrifice one f%$ thing And then she's gonna look old, sad, and pathetic For one year No, dude, your entire life You probably lived beyond your means You didn't, you can't tell me how much you had I know with the money that you have been making Throughout your life, if you sent 20% aside on a yearly basis You would be retiring a multimillionaire With what the stock market has done in your life F%$ you So there's gonna be a pathetic, sad story Then we're gonna get bad policies Raising taxes and bullsh$t like that To give more sh$t to her The generation that had everything And sacrificed nothing And then they looked sad on camera F%$ off You should have sacrificed some sh$t That was the boomers who were giving all that Girl You're like two years different Shut the f%$ off The point is So if this is gonna happen every generation With the sad video of an old person that Shouldn't have to work to survive You just decided not to do f%$ anything And you could be a multimultimillionaire But the income you have had throughout your life Yeah, if I stayed in a bad marriage And continued along with that No, no, no I was a divorced parent of two kids I don't give a f%$ even if you're contributing 10% You would have been a multimillionaire That's fine, but it couldn't happen then Yes, it could have No, it couldn't You didn't spend one penny going out to eat at all I barely went out to eat I was also getting Oh, lies, lies, lies, lies I didn't even graduate from college till I was 30 I don't give a sh$t That doesn't matter 30 to years 56 with what the stock market has done 10% of your income throughout those years It would have been a lot if I had 10% to even give You absolutely did I was laid off for 18 months during that time as well 18 months out of multiple decades And that money had to come from somewhere And it came from my retirement Match Match, free money Yeah, I have that right now Now? Oh my gosh, she doesn't understand I know for a fact I look through statements three days a week Three days a week, multiple years Everyone thinks they don't spend money You spent money I don't want to f%$ I have spent money Recently But I'm saying all along There is not a single piece of me that believes that And then who even knows how long you're gonna last at this company No offense You're one of the first ones to go You're slower But I'm not actually Yes, you are No, I'm not Your productivity is probably considered less No, it's not Probably And again, just job Like AI, project management? Good luck Our younger people can't even get out of their own way Says the boomer Like I don't know It's just like generational division Blah blah blah Fight fight fight I don't know But probably I'm an actual No original ideas Like I can't even go there Yeah, project managers That's who we look for ideas from We do have to figure things out And it's hard to figure things out when all you do is Watch videos all day and Whatever you're doing You have a little resentment there Yeah Why? Why are you resentful? Because it's bullshit What? What's going on? Because I didn't have anybody that was Supporting me through things Yeah So I'm just saying Yeah So it's hard to problem solve When you never had anything happen to you Life is super easy And that's when you have to make up shit To get upset about Shut the f*** up Housing costs are more high for younger generations Than your generation By far Not even close Absolutely Costs of education Beyond higher Healthcare costs beyond higher Now for what it's worth I will give you one thing The cost of having things for fun The cost of groceries as a percentage of your budget Is lower now than practically anytime in human history So younger generations we got that going Okay, got that going But you had lower housing costs Lower educational costs Which leads to higher income Because education is easier to get into Easier to get a higher income Cheaper costs to go Oh, absolutely But And health So necessities to survive too And then one to increase your income Those things are more unaffordable now than ever So f*** you victim bullshit Just shut up Shut up Not a victim I didn't have anyone to help You were married for a bit You had help For a bit Then you did it And then you're a single mama Oh no, none of those exist in this country Yeah, I married I did everything the right way I married my high school sweetheart Capital football team The whole bullshit Well in the 80s That's what was kind of Boomer The thing Whatever So anyway Yeah, I had to support two children During this whole time Myself Yep, no one ever did that Throughout human history Not in having matching 401k And everything else I had to use all my money Plus I had to go to college But on my own I couldn't get student loans and stuff And actually Well, I do have some student loans I was getting my master's degree I'm f***ing back then In the 80s All they would give you for your student loan Is exactly what your tuition was No money for books Exactly, that's how it should be Getting my master's degree You know how much they want to give me In a student loan $20,000 for a $3,000 class So all these people that are saying My student loan, so hi It's such a huge take as much You're right Exactly No, I'm not an advocate for student loans Student loans have made what school is So it's expensive Right That's what elevated the price Like you're complaining that it paid for school Like shut the f*** What was your point? You claiming this victim hood is so stupid Okay, so this is what I'm being told You stopped getting your master's degree Because there was an immigrant in your class No What? What? Oh my god That's a part of a larger story Of an immigrant? So I'm getting my master's degree Now everybody in this class is supposed to have a bachelor's degree Right All of them Okay, you didn't check someone's ID When they were coming into class No Because who cares, right? We're all in the same program We're all gonna get the same degree Got his bachelor's degree, right? And as these Brazilian girls I'm one of two Americans in the whole class Doesn't matter Okay, so We're all in You're getting jealous of the beautiful boobs and tits from the bazillions No, I'm sitting in the back Because I'm the oldest student there Clearly, probably older than the professor It's in the industry that I've worked in, by the way And he's giving us stuff from 15 years ago Okay, I'm proud of you You're the oldest in the room always, okay Well, anyway In college, yes So anyway Kids sitting next to me Supposedly has his bachelor's degree The girls are sitting in the front He's got sweatpants on Oh no Masterbating in class In the back of the room So this is a man with his bachelor's degree, actually Really? He was masturbating He had his hand in his sweatpants Just Gliding along Gliding along Okay, that's that confirmation of masturbation Oh Come on It's very weird But when you said that, I was like It's kind of the things that you see Like I was expecting Dick out was jacking Like that's, I know for a fact That he would have got caught But doing what he was doing Well, how do you know he was masturbating? Because you could see it You could hear him Oh, okay, okay, okay Sounds like he was masturbating Yeah, he was a little bit moaning That's not good We're in the back That's a bit weird Very What class was it? And the only reason why What class was it? Well, this was an energy class I don't know if I can bust the energy Yeah, we were learning about biofuels Okay, now you're getting me going That's bullshit So anyway He's definitely masturbating in class And if I hear And he's from Guyana Which he wanted to tell everybody Good for him We all had to introduce ourselves But the thing is So he told everyone during the Introduce ourselves section Yeah What a criminal No, the reason that he's a criminal Is because I guess they give out Diplomas like tic-tacs out there Are you telling me that a kid in Guyana Could get a degree in anything Supposing a biology degree And be masturbating in class Like you had no I don't see the correlation Of those two things, I'll be honest Well, you'd think that somebody At least that could sit through A degree program of any type Or even any type of skill Even to work anywhere He should be able to control himself From masturbating He sounds like a pervert But there's, I mean, there's Smart perverts, I mean That's disgusting Oh, yeah, but I mean You know how many elected officials Are resigning these past couple weeks By being perverts But they're also very smart people Getting where they got Like, there's perverts that are smart But it's not necessarily correlated But my So with that, like Yeah, that's not good I stayed in school He's gonna get the same degree as me Did you report? Also, who? Oh, if I reported him? I'm sorry, I'm sorry As a white woman, are you shitting me? If I said, hey, the guy in Guiana Who Guiana was like Girl, that's what before DEI No, this was like two years ago Yeah No, even still Master of Bayesian cancer culture Woman, absolutely Come on White women, perpetual Biggest victims in this country What are you talking about? You were set up for success I had, I warned the Brazilian girls I said, watch out for that guy Don't let him fall you out of class Okay, maybe talk to like a professor Or uh Security or something Report him to the police I don't No You suck with money So you download a budgeting app You start with the classic one YNAB 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 They 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's play these people just like you Four people just like you No private equity No gimmicks Just the best budgeting app there is Downloader now Start the free trial DollarWise.com Link in the description below That's kind of f**king 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 in bonus cash right now When you sign up for the checking account That I use Chime Also it makes your savings grow At a 3.5 APY interest rate Guys, you can watch financial audit And get free money at the same time Who would have thought? That's incredible Check it out Link in the description below Anything but like Hey, VBLs Dude's jacking it Like I think there's alternatives beyond that Okay Now your reason for dropping out is because Wow That's the heart of it My degree would be worthless Because the guy that masturbated would have it too No How about you actually just Due to improve your life Never sit by him Or actually take some action And f**k report him He's objectively the bad guy in this situation But you chose not to report Like at that point It's hard for me to be like Oh no Ah Like you didn't report Like what am I supposed to do? No, how could I? Okay Because he's from Diana He's gonna What does that do? Because What does that mean? Because here I am like picking on somebody Who's from another country That's a protective class right now You're a You're a White woman There has been no other people Put towards advantages in this country's history In the last five years Than white women You guys have been everything What do you mean? Well and just like you said Girl, you could have cancelled him in about Half a second Just like you said about the boat Dude one twink longer from you And that dude would have been beheaded Oh please What? Have you not seen what the country was giving him a private class? What are you talking about? You a white woman You could have ruined everything And fairly for him by the way It would have been Yes and you could have But I I couldn't have No No, personally not And like you said Because like you said about the boat I only saw it So it can't be a fact right? No, no, no But a white woman dude You could brush up against someone's leg Claim And that dude's career will be ruined As a white woman Absolutely you could have That guy Saying he was jerking off in class Absolutely And I guarantee you they have cameras in there anyway But even if they don't regardless You could have cancelled him in a heartbeat two years ago It's a little better now But there's still some crazy people You could have white woman Absolutely You're f***ing kidding me? I wasn't going back to that class No Okay Plus it was all outdated stuff We're talking about Oh no You're just there to get a degree I don't give a s*** if things are outdated I do give a s*** about the masturbator But you chose to not do anything about it Other than I'm not learning anything Other than hurting your life That doesn't matter That literally doesn't matter You're getting the degree for your income I don't give a f*** if you're learning I mean I wish schools would teach Student loans No You're getting the degree for your income Isn't that what you were there for? Yes That's what I thought I would do What the f*** are you doing? What the f*** are you talking about then? Plus it's interesting I love the energy industry I think it's fascinating But I wasn't learning anything So that would have been great for me And I started it in 2020 That's when I started that degree Because I was so f***ing bored in my house I started the degree online But ended it two years ago Well, keep taking it online Everyone's jacking off Trust me, in online classes anyway You just don't see it Foul Oh, just masturbate your clit along with them You'll be fine That would get rid of some tension And some dust What do you think your financial score is? Zero to ten Zero being the worst Ten being the best Zero right now Yeah If you want your hammer financial score Get it for free At Kailah's It is free You can see where you stand in the world of money It just takes a few minutes And it's pretty awesome That link is in the description below And also, if you don't want to be like this Boomer that f***s up for entire finances Make sure you download the Dalloway's budgeting app So that you change your life Like tens of thousands of active monthly users are Right now There's a free trial And you can save a sh** ton of money By signing up for the annual version And then you get my detailed 30 day mail plan So there's no excuse for not being able to mail prep At a lower budget You get mine with the digital version of our cookbook That teaches you every single recipe As well You get that signed by me Mail directly to you There you go Thank you That's for you You're welcome How much do you even f***ing make in this job? I didn't even ask project manager Oh well this is what's so sad too Oh f***ing All these years I just I hear a story about Jan 6 again I just cracked a hundred thousand dollars Oh what a victim What in Minecraft F*** What the f*** What am I supposed to do with that? After 40 years Oh Oh Like Off Who are you? Daaah The meaning of income in this country is like 55 Shut the f*** up You're doing well better Is it? I have no idea Oh my gosh You have no perspective on anything No Shut the f*** Up What is your account on a monthly basis? I haven't been paying attention The money always comes I've never had to worry about it My credit cards were always paid off At the end of the month I was very good with everything Until Until Exactly I took a year off to have a good time You don't get to do that You can have a good with a hundred thousand dollars What were you making before? Well around that Because this is a race Okay If you live 50, 30, 20, 30% of a hundred thousand dollars Is a pretty good damn year Multiple European vacations if you wanted to Shut the f*** up You entitled brat I earned it I've been grinding forever Oh I had a job Without a break other than when I was laid off And then I had to Bro You were literally complaining about what every other human being in existence has to do And you're getting paid very well for it So I don't care You have a house I don't have a sympathy You afforded a house in massive f***ing shoesets That's how okay you were doing Like shut up is this single mother you afforded a house in mass shoesets Cry victim Shut up That was a good investment That was a smart thing that I did You're not a victim You're a pathetic worm 56 years old Making a hunt You don't know what hits your account Let's find out Oh Yes what would you like to say? Well I sprained my thumb and it soar Okay Income I'm not sure Okay Income I had paid a roll $7,170 Very good Strong income for a long time Not 100,000 dollars And she only had 75,000 hours at 56 Three years before she could take out from her 401k and IRA tax advantage accounts 7,100 Oh I lost it $70.85 Good income You're fine Hold your kids 30 and 32 You're doing the classic selfish parent thing Dump your entire life last year Now they're gonna have to bail you out when you're too old And you get laid off and you get I'll do whatever I'm not I'm not Some like pampered princess I don't have to have everything just so What the You said you deserved the year off I did Yes Not pampered Dot In my car Shut up So why is this mortgage first? Why do I see a mortgage? 2,700 2,700 $275,000 And $35.85 Am I gonna sound like F*** right now Yeah, so I Was doing business with friends You were not even behind I thought that you would be behind It's the first one $2,323.97 Yeah Okay Yeah That mortgage makes sense for your income situation I'm vibing Yeah What's up So I got an FHA loan For the For the Security program on spreadsheets New regulations piling up An audit dread It's time for Vantor Vantor automate security and compliance Brings evidence into one place And cuts audit prep by 82% Less manual work Clearer visibility Faster deals Zero chaos Call it compliance Or call it Calm compliance Get it Join the 15,000 companies using Vantor to prove trust Get started at Vantor.com Slash com Mortgage Oh that's f***ing but My friend Yeah, so I hardly had to put anything down That's how I had all the extra money Which is stupid To do the Okay Yeah, well Here my friends are telling me This is what they need to do Maybe she had a quota Of for FHA mortgages Cause this is the same person Oh, your friend was the one telling you the loan Yes And last year I refinanced I was in a 3% loan Oh, I do do that Because I needed some more money To go to concerts What? And what she told me was Who are you even seeing? Are you going to festivals at least? Yes, I went to a couple music festivals What? Incarceration in Ohio Louder than life in Kentucky Why aren't you going to any of the ones? Coachella's happening right now I'll be going to So the top four music festivals That aren't genre specific Like just general music festivals I'm not mistaken It is Coachella La La Palooza What's the big one in like Wisconsin? It's huge Or Minnesota or something And then ACL at Austin Those are the four largest musical non-general ones And then there's electronic festivals and blah blah blah You didn't go to any of those? No, because I went to Ah! Not into that music What? It's every music That's the thing about those music festivals It's every music Yes, there's metal there too I went to a f***ing metal concert at ACL last year But for you to get more value Either way Sure, sure, sure, sure Concert You cashed out refinance your house Right So what she told me What she told me was Not going to impact anything I'm taking some of my equity Yeah So then You know how that works Well, I don't know how that works, right? You're taking out equity Yeah, so I'm taking out a little bit of equity And I'm knowing I could I have a ton of equity in my house Because I always paid a head on my mortgage When I had money Okay Just always I don't know how much equity that would accumulate In just a couple of years But okay Well, the house is going for 400 right now So I'm like Okay, yeah, decent So When you make good money I don't understand how you could in cash flow concerts But okay Yeah Sure, sure, sure, sure, sure So it was at 3% Now it's at 6 0.25 Now my payment has gone up Yeah And so then I was like Well, what happened? And then I just heard Because I said, hey It's so high a rate The f***ing rate's gone down Can we refinance? And she says Oh no, there's a cost associated with that Yeah, it usually costs money to refinance I had no idea Because she's doing it She's telling me I'm just taking out You're 56 Some of my equity You're not 26, you're 56 Because I don't care about mortgages I don't care about You've fed it mortgages since forever Yeah And I go to people who are supposed to look out for you This is why Facebook never gets scammed And it did not happen Yeah, and it did not happen I've been scammed many times Oh, yeah, you have Mm-hmm Oh, yeah, yeah Yeah Yeah, so it's All the time Or, you know It's Pam All the time Oh, I didn't know what you were saying Okay, you said you were really I thought maybe you said like the end We're just, I don't know You just got, you were sort of shocked when you said it Yes How frequently do you say the hard R? Never, I have no reason Because I have no reason to use that word You're racist I am not I don't care I don't care about what? I don't care about anything You don't care about black people? Oh my god Who do you call Tyler? My high school is half black Whoa That's how we grew up It's enough What's your opinion on BLM? Well, I was actually all for that In the beginning I was about it I want to donate my money Because I'm very What's your opinion? Well, I found out that was bullshit Come on in Oh, nice haircut I didn't even see it Tyler, she said she doesn't care about black people Oh my gosh, that is not what I said She did say that I said I don't care about any of that bullshit What is any of that bullshit? Black people Like any, any type of racial thing Who cares? Oh, so you care about all of us You with us? Yes Put the fist up Yeah, what's your opinion on BLM? There you go, that's all I'm talking about BLM Well, BLM I was going to donate to Right? Because I'm thinking And then I educated myself Oh Oh, would you educate yourself on? What'd you find? Well, I dug into how they get their donations And it's through Act Blue 3% of all their donations go through Act Blue Which is a Democrat And I was like, I'm not donating to a political party I want this money to go to this cause How do you think George Floyd died? That's the wrong hero to have That is a wrong hero to have If that's what you're hanging your hat on That is a mistake 3 funerals during COVID What the F was that about? I'm talking about the Farrou I'm talking about the Farrou Don't listen to her guys RIP my brother man Amen Thank you, Tyler I got you I think I'm in love with him Tyler? Yeah Tyler, she's in love with you She's in love with you Oh, thank you, I appreciate that Okay, okay, very good All right, okay So, okay, your mortgage payment's higher now Yeah Well, trauma again, I guess It's just bullshit Like why? Not really, you refinanced You took money out, you got a higher rate It's not Yeah, well, it was supposed to just be equity out And no worries How much did you spend on concerts in your special 2025 year? About $20,000 What the F? And it's still in How? Going to VIP Oh, for f*** sake What do you get? Sometimes flying Oh, 20,000 on concerts in a year? When you have 75 in retirement? 60 almost all you f***ing moron If there is a sad video of her working at Walmart at 75 I want no tears Never support those videos They had every opportunity Unless they were in literal poverty in their entire life They had every opportunity I have no sympathy I see people spending every single f***ing day spent 20,000 hours last year Then she's gonna be like, oh, I'm a plumber, retiring Oh, I can't afford to survive No person should be at this age working Yes, you should if you chose not to f*** sacrifice Then thought on us to take care of you, you f***ing piece of sh** No regrets It was a lot of fun And I needed it And we shouldn't take care of you Nobody's gonna take care of me Nobody ever has They want to increase our taxes when you're a boomer They will When you're a f***ing retired ass And we have to take care of you with higher Medicare or Medicaid And all that And f***ing higher social security If we have to increase social security taxes Because of your ass That's what they're doing now Because there's way more of the boomer generation Than there is of Gen X Gen X is the smallest generation So if anything, younger people are gonna have a They shouldn't be paying as much into social security at some point Boomers were a big generation That's why they would call boomers I know Yeah So we've all been supporting them And they've been retired since they were in their 50s Believe me, I live amongst them Okay, if I'm not mistaken The last great change for social security taxes in 1990 So you can't say they're doing that now Social security taxes No, they're collecting social security though They're getting their doctor's visits paid for That's what I'm saying They're a huge generation It's not unfair that they did that But it's a set to fail Absolutely Well, the declining population and everything It doesn't make any sense 1990 Yeah, well the population should be declining at some point Well, that makes no sense Because then it's two, we're in a couple decades We're gonna be at two workers per one retiree How can we afford that? That's fucking you What do you mean it should be declining? Which one do you want? The boomers are declining finally Yeah, but you still need a growing population Oh my goodness, we're on moron Okay, when you have a higher mortgage rate I'm saying this Generation Gen X is much smaller There's gonna be a lower pool of people That are even gonna collect anything It doesn't even matter still In a couple decades it's still gonna be two workers per one retiree Regardless Doesn't matter Okay, why do you have a debt consolidation? Because the money always comes and that's where it came from Oh my f***, that's not money That's consolidating What do you mean the money always comes Because you applied for a loan? The money was there It's not money, it's debt What do you mean? Is this actually that when you say the money always comes This is what you mean? Yeah, yeah, it always has all along So right now So what you mean when you say the money always comes Is you can apply for more debt Tell them there's always money there No And tell them they say no no no Because your credit or something is s*** You just can't afford your debt to income ratio s*** The 368 dollars 11 cents That alone wouldn't make or break you But we have a lot of paperwork to go through Higher mortgage payment now Oh Lindsay said she thought this was free money I'm not kidding you You actually thought this was free money The money's always there, it always comes What does that mean to you then? That I don't think about it I don't think about any of it And how has that worked? It's worked fine How has it? Until now $75,000 in retirement It's worked fine until now I've literally hosted it It's always stacked up until now Now you're just facing the consequences For your actions that haven't been working Of the one year that I took In part of this year You only have $75,000 in retirement That is your entire life That's not just last year Right But it's never been an issue I've never had to have a budget Are you kids embarrassed? No, because when they were young we did the same thing No, of mother No Extreme political Oh my gosh Extreme political Not going to be able to retire or sacrifice anything Mother No You smoke? No Did you? No, never For a son You wear sunscreen? No Never Found it Got to wear sunscreen Especially in that sort of Can you look what it's done to you? Because I'm Portuguese Look what it's done to you What? I guess it's irreversible Is it irreversible? You just you've gotten You got all the sunspots and wrinkles and stuff Yeah, and I'm also 56 I know, but 56 year olds who wear sunscreen every day Have much smoother skin It's fine Just like do we need an additional diagnosis in your life? Skin cancer Sick Okay, it's only 6% paid off So you just got this Is that like a 12 point It's a 12.6% interest rate What is wrong with you? That's free money 12.6% interest rate That always comes Yeah Interest Well, because I've never had to have a budget or anything And then once I'm kind of looking at it You always need a budget Just because you didn't see what was happening Doesn't mean you didn't need a budget That that logic doesn't make sense Yeah, just never I never had to The kids always we always had video games We had dad We went to Hey now I'm putting money aside for retirement Not any personal responsibility And then we're gonna have to take care of you It's pathetic The money always comes Yeah No, the only thing common is to do it in the back of class He didn't finish to that nuclear power plant talk Those are some big holes at the top of those things This makes no sense I just don't understand Why the f*** you are doing this in your Second half of your 50s 50s Take consolidations at 12.6% All that grindin' Shut the f*** up You've just worked the normal ass jobs I don't want to hear it I had a job at the same age as you did when I started as well I'm not complaining about having to work as stake and shake at 15 Well, when you're in your 50s and you want to have a year of doing whatever you want You'll deserve it I felt late Deserve that's I know there's not entitlement in this world I know that I reap the rewards of what I put in And that's what I felt I was doing No, the reward There was no reward there though You just took something that didn't exist And now you're paying for it That's debt, you put it all on debt Oh my god, the Venmo credit card? I feel like I've even seen this I don't even know if I've had this before This is like new Venmo credit cards are new And you immediately just were like Oh, they're throwing money No, I actually got that one from my daughter so that She could build her credit Oh yeah, you're a great example of that But, well, I was before Okay, well who's spending on it? You or her? Me But she's on it? No, she's not I didn't want to put her on it Why'd you spend $266.32 in the previous month If you're not even putting half of that towards the card It takes two years to pay off Minimum of the payments only without any additional purchases Of which, how do you like to purchase? Balance $539.09, $30 minimum of the payment What the f**k are you doing? I don't know what I bought I have no idea Well, how about Carnival the Fun Shops? Serious XM You either tell me you're not a f**ker Boomer Taco Bell Well, that was on the Carnival Cruise Taco Bell? No, um, the whatever Serious XM? No No Oh, the one that says Carnival? Yeah, I assumed Yeah, that was from the Shiprock Cruise Isn't Carnival the... Is this a little... Trashy Oh really? Why? Why is it trashy? 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 Sub's 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 Gamer Sub's 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 GamerSub's.gg Or click that link in the description below Type in code Kaleb Hammer Elite is the best YouTube membership on the platform And I just upgraded it Three exclusive dedicated shows every single day Monday through Friday Join with the link in the pinned comment or description below This is the best membership you'll ever join That's a promise Oh, because everyone says throwing ass and uh Who is that? People, trashy people Just bouncing, throwing ass Yeah Smoking weed I didn't see any of that Really? Not in your carnival? Did you have carnival elite? No, we had the whole ship for people that listened to metal Oh, so, yeah, no, no, no Yeah, so there was no trash No Oh, they banned rap music on Carnival Crisis Why? Because just dude, listen Okay, listen, I know I'm making like, haha, silly little racist joke But the thing is it has absolutely nothing to do With the fact that unfortunately the videos Okay, unfortunately the videos that people were majority black Yeah, put it in there But it has nothing to do with that It's just the fact that it was just an endless chaos machine of just Crazy parties and it just looked horrible And it was making the brand not sell well Because no one wanted to go there That's probably why they do these cruises now Yeah, I mean there's themed cruises everywhere Well, this was the first one I had ever been on Because I wanted to treat myself Apple card, what's going on? Apple card, 2000 That's my favorite one Oh, you have a favorite card Yeah, because if it comes up to where there's no money on it I can throw money on it real quick and it What? Credits me right away I know That's part of the money always coming That's not money you moron That's you putting money Oh my That's suspending is insane I There are no tears when you can't retire And we should not at all raise taxes Especially social security taxes because she can't retire After what you're about to see here $2,079.68 with $58 minimum of the payment Door dashing hungry howies Home chef Craftslight brewing Apple bill, door dashing green tea Apple bill, apple bill, Netflix Teemu Louder than life Door dashing hungry howies Apple bill, YouTube premium Instacart You is all bullshit Well, louder than like Bullshit! Music festival Save up money for retirement Pay off your debt You entitled piece of shit High interest Interest accruing Payments not being made Only when you want to spend more Mission laying Oh my goodness You spent $2,593 on this Interest accruing 19 years to pay off I'm gonna die Y'all, you made the minimum to pay Better than you purchased $2,593 Doth Death Absolute death Mission You owe $4,659.16 Minimal monthly payment $130,072 19 years to pay off Are you gonna be alive? Probably not Because my aneurysm will burst I thought she's But you might be able to get rid of it, right? Both I have surgery Yeah Yeah Can you get surgery? I'll get heart surgery Possibly Okay I mean, which one's riskier? I have no idea Because I don't pay attention of the doctor either It's not my job Well, it is actually How about your kids? You have grandkids? Yes Okay, you want to be around a little longer? I would like to Let's pay attention at the doctor then I'm a great rules follower What's okay Then what's riskier? The open heart surgery or just keeping it there? I would have to ask Because he hasn't told me Or I would remember What has he advised you do? That we're gonna monitor it And if it gets one It's at like 38 If it gets to 40, that's when it bursts You're saying that at 8% the bonds fail And we are already at 4% That's right So when it's at 39, we can do surgery Oh, okay How easy is it to go from 38 to 39? I don't know Well, what's weird is I never had this problem before So that was my worry If it can come along that fast It's nothing I ever had before So how did it even get to 38? I had unregulated blood pressure So you can't Passing out all this time Because you were fat as f- Actually, no, it wasn't that You told me you lost like 100 pounds or something I got down to 135 But that's part of my YOLO From? From 170 Okay, yeah But I gained back I was 135 And then I've gained back 20 pounds Okay, well, you just Part of the YOLO Part of the door dash You only live once? That YOLO? Well, your once is coming to an end If you don't keep your weight in blood pressure under control Are you on blood pressure medications? Very minimal Okay, well, at least you are Your diet's better And they recommended more salt Yeah, he said more salt for Okay Maybe that makes sense I don't Yeah, because I don't That's not my thing Yeah Okay Okay, uh, okay So the 2000 we spent on here Welcome to Rockville I don't know, you spent $893 Welcome to Rockville's the other The other one, but that's paid off now The other what? The other festival Okay, Amazon, Amazon, Amazon A lure for hair design Oh, that's my friend, yeah Oh! She put purple in my hair for the Carnival Fun Shops Yeah Welcome to Row 26 Carnival Horizon This is just ridiculous Set a 30% interest rate basically This is so Stupid This is so stupid, man Oh, when you refinanced eight months ago You paid everything off And now these are back up to the Pathetic It's honestly pathetic It really is Like, I'm losing my energy to even have The, to even feel outraged towards all this This is just pathetic Quick silver What's going on? It's another card Oh, it's wonderful You actually didn't spend surprising enough Oh, you really can't It's basically maxed out at 3,936 dollars and Eight cents Oh, sorry New balance, $3,853 Still basically maxed out though At 68 cents Minimum monthly, by 18 years above Minimum monthly payment, $123 Yeah, I guess you don't really care if you're not going to be here for a while What about any debts your kids will have to settle in order to get access to your assets though? I don't think there would be anything, right? It depends on the debts, also depends on the states It's, I don't know Okay Navy, wow, old Navy? Yes, so that one actually, you know, because they give you a discount When you open up the card on what your purchases were Oh my goodness, you fault So I did that, but And you're more than paying for it with $70 and 23 cents a month in interest Well, and that's what kind of made me think twice about this plan Oh, you had a thought Was that they cut my credit limit and that's never happened to me before in my life Yeah, it's because you're shit with money 17 years to pay off 107, 13 minimum monthly payment, you know, $3,760.95 Oh my goodness, you purchased $2,000 on your On f***ing old Navy, well it's occurring $70 in interest Oh my Can use it anywhere Apple f*** things, Apple bill, Apple bill, lower hair Ready to launch your business? Get started with the commerce platform made for entrepreneurs Shopify is specially designed to help you start, run, and grow your business With easy customizable themes that let you build your brand Marketing tools that get your products out there Integrated shipping solutions that actually save you time From startups to scale-ups, online, in-person, and on the go Shopify is made for entrepreneurs like you Sign up for your $1 a month trial at Shopify.com slash setup Hair design again, bullshit, perteveda Ship rocket, ship rocket? Ship rocket is the cruise Oh my death, Apple bill ship rocket and ship the cruise, cruise, cruise, Apple bill Seaport parking, Wendy's Dunkin Donuts, Market Plaza Guys, she doesn't spend that much money Apple bill, Apple bill, funeral Port Oh, that's the funeral portrait That's a band, that was merch Okay She gotta get merch A little bit of foreshadowing Is it? 33.24% interest rate on here This is where you're spending all your money, this is ridiculous Give me your f***ing phone Me? Yeah, no, no, no Someone that's not on camera I don't know who you're talking about The audience, I'm talking to the audience I'm talking to the audience Oh my goodness, the way boomers have their phones, everything's just in a folder Oh my goodness, subscription queen Apple music, Finch, self-care pet Self-care pet? Is it a digital pet? I call it plus I don't know what that is Pedometer? Oh, it's a pedometer, yeah Yeah, I'm pedometer, not pedometers Don't need that price Snap? Price? Oh, that's an AI price thing, but you can do that with any AI Yeah, but that one Tachymon, Tachymon? Oh, that's the heart techometer, that's for my heart Well, you seem to not care about it because it's expiring soon Because I'm done with it Text killer spam thing, wolves, puppy and dog, something yearly subscription to yearly subscription I don't even know what that is Lots of inactive subs, you try lots of things constantly I like to support creators Oh yeah, creators, what creators, what creators are you f***ing doing? Oh my goodness, even your recent spending on your Apple cards all bullshit What creators, what? Like, what? I like to support people that are making things People that are not businesses How about you make retirement? How about you make an older age? Amazon, okay, puzzles Yeah, those like gifts Girls, cinnamon supplement thing Amazon basic sort of ting-gallon trash rags, that's fine Scott's comfort plus that's fine I do fall for a lot of those like, oh Supplements Collagen and yeah, Burberry Well, there are certain things that are good, Collagen's not necessarily, that's not bad But yeah, so I'll get that and stuff Okay, bras, something about old titties So I don't like thinking about them, I don't know why Well, just like I don't want to think about Guyana and Dick Little racist if you'll be honest Well, Guyana is a country I wouldn't want to think about why Dick either Makes any difference It's a little gay of you I'm just being aegis But okay So aegis is okay Yeah, yeah No, of course not, I'm being silly but Okay, 81 dollars in retirement, wow Yeah, I think some of them are better than others Okay, what is this? Credit Union, something, I don't know, maybe you have a Pentagon Yeah, what is Pentagon? The Pentagon 47 years to pay off Is there a allowance I'm going to have a 47 year payoff card at 56? That's weird Oh, like what is their business here? They're the Pentagon, it's the Pentagon The federal What is their business? Okay They're, mm-hmm Okay That's the credit union Oh, they don't pass audits, I guess This is clearly why, 7,968.84 Minimum monthly payment, 468.84 47 years to pay off Yeah, I don't know, this is ridiculous And oh, you're over the limit, 468 dollars Oh Pentagon doesn't give a shit though, I guess so Apple bill, Whirlpool, Whirlpool, Whirlpool Appliances Oh, a filter for my water thing You're over the limit, and they let you Okay, 17.99% interest rate Oh my goodness, dude, you have every credit card just up to the max This is insanity You spent money on this one too, your Amazon chase card Okay, yeah, we just looked at the Amazon But you were purchasing Amazon on other cards as well Yes 4,147 dollars and 93 cents Minimum monthly payment and 143 dollars Purchasing, of course, 16 years to pay off What's the point? Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon Interest, 205 this year so far, we're only a couple months in That's, this is pathetic again Affirm, of course you've gone down the affirm pipeline Why, you just knew everything, dude I didn't even know what affirm was, that's my cell phone Good, keep the ignorance Oh, you affirmed your phone? Well, because I got it Because you bought your phone outside of the shop I got it through Mint Mobile, yes Oh, so you just had to buy the phone separately Yes And then get Mint on it I mean, helium, I do helium at this point, 15 bucks a line But that's okay I guess you can actually do that Because you don't, this phone's not Conjectually attached, this payment Mint, okay, so 1,429, 24 dollars 94 dollar a month payment So you have a 17% interest rate on your f***ing phone What are we doing? You will fall for anything Oh, here we go, student loans For what again? For the degree you dropped out because the dude was jerking it? I dropped out because it was useless Was it? Does it have a return on investment? I don't think so, not Then why would you go in the first place? Because it was 2020 and I was bored in my house I'd moved bored by myself Well, getting a master's degree, I thought was pretty productive Not if it doesn't have a return on investment At least it was interesting And it's in my industry, so I thought I learned something I was bored during COVID, yeah Okay, so you have 10,382 dollars and 77 cents With a 260 dollar 80 cent minimum fee payment Oh, past two, 130 dollars Yeah, I don't know what their pay dates are And I don't know Set up auto pay That's a new loan too Set up auto pay It's not loan, it's just kicking in Because all the deferment periods are done It's not a new loan Well, they keep changing the provider So I never know who I'm sending the provider Like this is the CII Yeah, there's different services, they get pushed everywhere It doesn't change your minimum fee payment though It's the same federal rules No, but it's who I have to pay it to Does it matter? Go on the phone Mmm, you're pathetic, you can't do anything I'm so done, I'm so done I'm so done, I'm done, I'm done Checking account started with five, ended with five No, sorry, that was our regular savings Great, every retirement age Checking account, ended with 46 dollars Wicked cookies Friday's Southern Eats Dude, pork rickie, some restaurant bullshit there Southland concessions Bagel Patriot Shave Oh, that's razors Wow, you really got that red, white, and blue Clean pussy, all right, that's good It's a good razor No bumps Freedom pussy ATM withdrawal of 320 dollars Well, I was trying to do a cash budget for myself Oh, okay, just use dollar wise, dude McDonald's, 12 dollars, 93 cents Surprise, no overdraft, this is just, what a joke Which raw paid some fee, $29 in this account I can't even see the balance on this Okay, where did it end? Did it end at the top or did it go? No Okay, it went forward, you started at 96 Oh, you got overdrafted, you overdrafted in this account Oh, f***, and then your jeep's with it That's when I realized, like, wait a minute, the money's not coming Oh It always comes Yeah, and something happened, you figured it out for the first time, finally It only took till 56, jeep, what do you owe, total I can't find the balance, but I don't I think it was 41,000 Yeah What? Under 29 jeep, go gladiator Well, I had a 2020 Mustang California special But I had to trade it in because my dog is claustrophobic And he wouldn't get in the Mustang anymore Get in another larger vehicle And I put What, you see, are you telling me it's actually worth, or it's uh Oh my gosh, your minimums, you pay him at 699 dollars It's at a 7.25% interest rate And it's 69 cents Okay, so it's what, it's 40, 41, how much do you owe? 41,000 Ah, how much do you think it's worth? I have no idea 23 And I put eight grand down on it, that was the rest of my little Whoa, oh I'm so done, six dollars in this, checking the count, ATM would draw Pool, some pool, hundred dollar pool, probably pool care King C, ATM would draw, 200 bucks, who knows where that went Another 300 there, yummy Thai food, Professor AR and Spotify So you have Spotify and Series XM? Yeah, because I don't like listening in it I'm gonna die, okay, but use one, right? Right? Yeah, I'll figure out which one I like the best You haven't yet? I will You haven't yet? Oh my gosh, okay, ending balance in this, oh savings from 48 dollars to 21 The retirement is going so well, okay three, uh okay, then this savings is 11.53 and then 3.16 ending balance on that checking the count Best balance you've had in the checking the count How's this moving money back and forth, it's not even actual management Ten dollars in the savings, dude, this is crazy More, oh this is another debt, is this an additional 6,206 dollars? Is student loans, it's on your credit report? Oh, then I don't even know what that one is or who, who it's with But it's never been laid, 37% paid off Oh that might be on our pay somewhere then Let me see if the monthly payment matches up with the, no it doesn't, so this is a new, this is a different one This is another student, oh my gosh, okay, so another student loan maybe from a previous No, you opened it in 2020 Fuck me man, okay yo 6,206 dollars Okay, Lindsay said this is for your bachelor degree Um if it was $23 that would be my Masters Oh, I don't know Yeah Oh wait, what is, what is this one? 15,000 Is that the, is that the previous student? That might be, because they keep changing the providers, that might be another one It doesn't matter, this is, but it's different payments and stuff Uh, no, because this is a completely different balance and this was just pulled, I don't know I'm gonna assume, okay, this one's the federal, I don't know what the other one is Let's keep it as it is But the minimums don't line up, I don't know So it's gonna make budgeting confusing, you need to log into all your accounts But we'll try our best, let's see what we can do with you I mean, which is bad debt alone, you have $37,000 I mean, no, it's worse than that But you're told that situation is $388,022 Well the mortgage is only $275 without You have over $100,000 of bad debt It's, this is insanity Your income monthly $7,170.85 Mortgage $2,323.97 Debt payments besides that, let's find out It's not gonna be great And it might be missing a student loan payment, I don't know Did your minimums with your payments outside of your mortgage are more than your mortgage $2,556.29, that's insane Man, utilities, gas, electric, trash, all that stuff combined, how much? Internet? That's all in my HOA fees Oh, our 401k was missed Oh, no, we sell the 401k, I just didn't see there was a loan on there There's a loan on your 401k? That was really old But is it there? Yeah You still have it? I think so, it's on my pay stub Good death woman Okay, I'm so f***ed Okay, yeah, what's your utilities? I took an entire year off Utilities, what is it? Yeah, f*** you They're pretty minimal Like 200, I'm trying to think like 150 on average Is that including internet? In, internet's included in my HOA fee Internet, trash Is your HOA fee included in your mortgage? I don't think so So what's your HOA? 600 quarterly Even still, quite chunky So 200 bucks a month plus 150 for utilities, 350 You're letting your HOA take care of your internet, that's insane We have to Have to? I would never buy there Probably sh** speeds Okay, phone bill? Well, how much? Pre-pay it, so it's like $300 a year Well, I don't know how you can afford to even do that at once But 25 bucks a month, I would do helium for 15 T-mobile's getting in your area, I'm assuming it does So how much for gas, from drive-drive? I work from home, so maybe 25 bucks But except for when I drive to Atlanta, like I did last week That was $200 Well, it's when I go to concerts How frequent is that? Probably never again Guys, I just read a note This post show's gonna be absolutely f***ing crazy Absolutely f***ing crazy, she's about to have to have a crazy I will let you know in a second Oh, actually, I have to tell you now, because this is just f***ing crazy She recently bought a car for her daughter And she's gonna call her and confront her That the daughter needs to pay her back for the car $2,000 right now That's gonna be an insane phone call Okay, whatever, car insurance, how much? This post show, okay $90 a month Not bad Okay, food, $300, it's just you, right? Yes Meal plan, meal prep, f*** you Medical, health care, oh no, no, no, not medical, health care Teepee fund, anything else you need to survive, $150 You do a gym? No Probably should, for the thing you got going on Medical, health care, how much a month? Co-pays, anything? Oh, for co-pays, probably about $200 Okay, you have any pets? Yes, the dog How many? One And health age? One and a half year old Okay, get pet insurance, good pet insurance, $50 How much for pet food? He's a big in, let's see, one bag of food, $75 a month Subscriptions, $40 Anything else that needs to be in this budget that I'm forgetting That is mandatory to survive, not concerts I cannot think of anything Yeah, it's obviously gonna, you need to get more detailed than the dog-wise budgeting app But this gives us a baseline to plan next steps from here Let's see if we can Yeah, you make it by about a thousand bucks It shouldn't even be close to that type though But you're lucky it is $6,185.26 is what you need to survive with a very minimal budget $985.50, no wiggle room Okay Debt, $3880.80 minus the mortgage of $275.35.85 Also minus the student loans, which, yeah, we were confused about those too So I think we're killing off the $15,593.00 minus Okay, minusing your student loans Oh, he leaves us standing debt $80,800.00, $18.00 How much to go through bankruptcy at your age? It doesn't matter, you already have a mortgage But then you won't change your behavior And you'll be right back here again So It takes 81 months to pay off Shit, six and a half years, will you be around? Maybe not Dude, if you really want to change your behavior for a couple of months Then go through bankruptcy Ain't cheap, ain't stress free And you don't need stress right now But this is a lot of stress alone These payments must be catching up You must be feeling the bleed So if you can change your behavior and live on a budget within a few months Then I'll allow you to go through bankruptcy Without your car, you'll still owe in your car So you'll have to pay that debt But that will clear a lot of these minimums to payments Which will make your life survivable You already have a mortgage, so what do you need good credit for? We already have a car, probably an okay car, I'd assume So what do you need good credit for? Stop borrowing money, stop taking out debt, live within your means, budget And if your behavior is changed before you do it, you'll live the rest of your life fine This is insane I don't know I'll just have this call it the daughter That's what I would do Let's get your hammer financial score Spending in a budget you overspend 0 out of 10 debt No collections Behind on things, plus 401k loan Best I can do is a 1 out of 10 emergency fund I didn't see anything So you're out of 10 retirement dramatically behind for your age Plus 401k loan, I'll give 2 out of 10 real estate That's where you at least have an equity position And the rate is not horrendous This is bad compared to where you came from Real estate situation is not bad Put a lot of money into the house But are you still with the equity position? I'm happy, you have a loan on it still technically 8 out of 10 Unless there's something I'm messing with like being behind or something But I don't think so No Okay, that's what's gonna pull you up to a 2.5 Is not where you should be at 58 out of 10, 56 Get yours at Calebhammer.com Now join HammerLeap by clicking that join button You can get 3 premium shows posted every single day 6 days a week including an extra 20 minutes of this show Called the Financial Auto Post Show It's gonna be a good one with this phone call ladies and gentlemen I'll see you there We didn't talk about the fact that she's 2 f***ing coming up One is f***ing $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$