Disgusting Degenerate Steals $200,000 From Mom | Financial Audit
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To watch episodes of Financial Audit a week earlier, check us out on YouTube. I spend a lot of my mom's money. $200,000? Not giving it back. Wait, hold on. That sounds sketchy as f***. So you take advantage of her? Yes. She'll be like, stop taking money. Let's be clear, stealing. Just taking advantage of your mom being a disgusting human being, bottom of the barrel trash. I wanted to confess something to you. You know how much money she's taken from me over the last five years? I don't. $200,000 as far as we know. Oh my god.

Hi, my name is Heather. I'm 21 years old. I'm from Washington and this is Financial Audit. Wow, from Washington. What do you do in Washington for a living? I am an office manager. I pretty much, I don't have a lot of responsibilities right now, but I... It's an easy job. Okay. Well, how are you making, how much are you making doing nothing? Um...

I make about, I think it's like $1,250 every two weeks. Or not $1,250. Yeah, $1,250 every two weeks. It's your account or that's what you make? That's what I make. Or like that's what goes into my account. $1,250 every two weeks? Yeah. So bi-weekly $1,250. Cool. Perfect. How do you feel living in that area on $2,500 a month? It's expensive and it's hard. And...

I struggle a lot, especially because I spend a lot of my mom's money. She's probably given me about $200,000 in the past five years. That's an insane amount of money. How does she give you that much money in less than five years? About, yeah. Let me just do some basic not stupid person math. Since 16? Yeah.

about doing a 16 that requires starting to get 200 000 what the what are you talking about just taking money from her or borrowing money and not giving it back hold on what the what does that even mean what what what does that even mean what do we know i wouldn't laugh at that that sounds sketchy as what are you talking about

Yeah, I take a lot of money from my mom. Sometimes I'll ask her. I have her card attached to my cash app. Like her debit card? Yeah. And since 16, you're just sign fitting? Yeah, pretty much. And I work for her. So I make the money from her business and then she kind of gives me extra money. So you do nothing at your job.

Get paid some money for it. And then siphon $200,000. Yeah. And you say borrow. Okay. What is borrow? Oh, this is... She... Pretty much I'll ask her for money and I'll tell her I'll give it back to her. And then she... $40,000 a year on top of your pay. Yeah. Sorry, go ahead. She'll forget. Like this ring. This is my wedding ring. And...

I borrowed money, borrowed money for it. She gave us $3,000 for it, but it was only $2,100. So she forgets. Yeah. So you take advantage of her. Yes. Wow. Okay, open and honest about that. There's a part of me that at least respects the honesty, but I have a hard time respecting the actual reality of it.

I mean, you're three years into adulthood. What do we do? So have you ever gotten a job in your life that wasn't dependent on mommy? Yeah. What? I worked with special needs adults. I lived in South Dakota for a period of time, so it was a lot cheaper. Okay. But you were still borrowing money during that time, I'm assuming. Yeah.

I went through a period about three months where I didn't borrow money because I had a really good job. Oh, three months out of five years. Okay. Yeah. Wonderful. Yeah. I only made like 15 an hour, but I also was living with my ex. So we were kind of splitting the bills. So you actually do nothing at work? No, I run payroll and I'll like answer phone calls and I handle- Okay, well payroll is once every two weeks. Yeah. Yeah.

Yeah, that's true. Okay, sorry about that. And I also handle, like, our sponsorships and ordering stuff for, like, the company. Well, you don't have to tell me the business because we don't want to, you know, put that information out there. But, like, what does the business do? We work with children on the autism spectrum. Okay. So we... Doing what for them? Therapy, like...

teaching them social skills or like how to is your mom a therapist she is not she used to be um she is now like um a behavior analyst so she's like way wealthy is she and why is it just your mom so is it just your mom your parents are not together no they are uh my dad's retired but you're taking from her you specifically called out your mom yeah

Because it's her card? Yeah, her card, her business. Even though my parents kind of own it together. They don't really own it together. It's my mom's owner. How wealthy are they? I actually just learned my mom makes about $500,000 a year. Okay, $500,000. I mean, that's an incredible amount of money. Incredible amount of money. But making $500,000 a year, I feel like you would still very much be like, where has...

$40,000 gone this year. Even at $500,000 a year, I was thinking maybe a couple million. Okay. Maybe they're like dropping the bucket, but $500,000 a year losing $40,000 just gone and forgetting about it. That doesn't really make sense. She calls me out. What do you mean she forgets? What do you mean she forgets if she's calling you out? What are you talking about? What is actually happening? Sometimes she...

she'll like text me and she'll be like why are you taking money stop taking money child so then i'll stop taking money for a money child yeah she thinks you're a child because you're acting like a child because you've been independent you've been independent three months three months of your life ever you've been independent go ahead continue um i think she also forgets though because i have a little brother who also likes to take money

um but are you guys he takes money in the form of what are they enabling instead of what in forms of what steam gift cards don't you do lots of that too you do lots of video games yeah and how much you've 20 where does the money go

Because why do we have debt? Why do we have collections? If you're siphoning $40,000 a year away since 16 plus bringing in an extra $2,500 a month net, how the f*** possibly, how do you have debt? How do you have collections? What do you mean? You could literally live on 40, according to you, you could live on $40,000 a year sitting at home doing nothing, according to you.

and what you've done so far. So how the possible you have debt because you are in the most privileged position I've ever seen in the history of this show to be candid. So how do you have debt? I kind of just like to forget that it's there. Even though I know it's there. What are you talking about? I don't want. But why have it in the first place? If you're getting all, if you're stealing, let's be clear, stealing, siphoning, being a bad person with it.

How did you get in the debt in the first place then? Honestly, I have no clue. Oh, shut up. What does that mean? That doesn't make any sense. What do you mean? Well, how do you have student loans if you're getting... If you're siphoning $500,000 from her, $200,000 from her? How do you even have student loans? That would have covered school. Yeah. So the student loans, she forced me to take them out and told me that she would pay them. And then she didn't pay them. And...

it's kind of hard for me to like i guess pay it myself when she promised me that if like but should she it's 200 000 hours a year that you've literally just taken from her accounts wait she says stop taking money child is that what you said yes why is she not disconnecting when she sees you every day at work right no she lives in south dakota i live in washington why don't you listen to her

And why doesn't she stop you? I'm so confused. Honestly, I don't know. I mean, I know why I don't stop. I don't know why. Why don't you stop then? Why don't you stop being a selfish piece of crap? Because I like to shop. That's worth just taking advantage of your mom being a disgusting human being. Bottom of the barrel trash. Washed up on shore. Needs to be thrown back into the depths of the ocean. You'd rather be that? No. No.

But you are. What do you mean? You just said, I'm not stopping because I want to shop. Shop. And yeah, your spending is ridiculous. What do you mean? Honestly, I don't know. That's not an answer. That's not an answer. That is not an answer. I guess I kind of just struggle with the whole like stopping myself from buying stuff. Like today, I bought a whole new outfit for the show.

um the show the show about not spending money yeah you do what do you that was a um shouldn't even wearing that health self-love you're not self-loving you're just destroying your mom's finances you're not self-loving yeah um yeah and then i went to bucky's and i spent like a hundred dollars um all in all today i've spent like three hundred dollars um

But I was, it's, I borrowed money from my mom to do that. But I do. And she said why she didn't pay for your college. No. The student loans. Did you ask? I have asked her before. She kind of voiced conversations like that.

Okay, yeah, but what happens if you confront, though? Hey, you said you'd pay for the loans. Why aren't you paying for the loans? She'd probably turn it back on me. Okay, but she hasn't? Why have you not had this conversation? I'd want her to turn it back on you, but that's why I'm trying to figure out why hasn't the conversation happened, and if so, what has it been like? I feel like it'll turn into a fight, and I don't like to fight with my mom, especially over finances. Because you get $40,000 a year from her.

All right. Let's jump into your finances. Self-assessed. Yeah, I feel kind of disgusted. Self... Okay. Self-assessed. Where do you think you are? Zero to ten finances. Zero being the absolute worst, ten being the absolute best. I'd say probably a two. Okay. Why? Explain. Um...

I at least, like, even though I'm horrible with finances, I at least make sure that I get groceries, that my rent is paid, and that... Oh, I make sure that I eat. Okay. Yeah. That's you being great with finances. Okay, sure. Go ahead. And also that I pay my car payment on time. Just the car payment. And my rent. But you're picking and choosing because you have collections. Yeah. So you're not actually paying your bills, though.

You're just picking and choosing. So the ones that you find to be important you've made. So you think that's good? Yeah. I mean, the collections, I think one of them is from a school, which I tried to fight that one because they gave me a refund. And now they're saying that I owe them the exact amount that they gave me a refund for. Okay. So I tried to fight it. And then I just got like the resolution or whatever from...

Trans Union saying that they didn't accept it. Sure. So. Well, there you go. Now I'm going to have to pay that. And then the other one was an internet company in South Dakota that I had tried to call them multiple times to cancel my service because I moved out. Why are you in Washington? My husband lives there. And whatever business your mom owns has a branch in Washington? So I was born and raised in Washington. Okay.

And so my mom opened her company when we lived in Washington. Then we moved to South Dakota. Get your Hammer Financial Score for free. It's linked in the description below. Also, if you're an interesting person and you want to have interesting conversations and you actually have finances that you'd like to get your help with and you have a unique financial situation, we like unique diversity of financial situations. Or if you have opinions that you think need to be challenged and things like that,

Sign up. Come on the show. Come hang out with me. I'll beat you up a little. CalebHammer.com slash apply. Two out of ten, she says. Okay. Okie dokie. Okay. How long have you been in this job? I've been working for her off and on for the past three years, since I was 18. Years. So that explains the three months of independence. We have a car loan. Yes.

What is your car? 2016 Subaru Crosstrek. Okay. So all the money that you steal literally just goes to shopping because, again, if you're siphoning what averages out to be $40,000 a year...

There's no reason why we'd have a principal balance here on this car of $15,477. Why haven't you tried to focus on debt? You say you make your minimum monthly payment on this, which, congratulations, basic minimum. But why have you not at least used your degeneracy to help yourself? I honestly... It's a 13.5% interest rate. That's terrible.

Sorry, go ahead. I honestly just don't... I don't really care to make more than one payment on my car a month. Why? Honestly, because as long as I pay the minimum...

my mom won't get mad at me 'cause she co-signed on my car. - Oh my gosh! Something I tell everyone that comes on the show is to make sure they put money in a high yield savings account and build an emergency fund, right? But so many people forget to do it on paydays. It's easy to let it slip through the cracks.

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Just set it up and watch your savings grow. Your deposits are FDIC insured and you have full control. Pause, withdraw, whatever you need. They have your back. I've been using Rocket Money to set up my vacation fund because trust me, I need one.

It's amazing to see those deposits add up without lifting a finger. So I can use my time to work on the channel. To save more and spend less, join the over 5 million members using Rocket Money today. Go to rocketmoney.com/caleb or click the link in the description below to get started for free. How does everything connect to this woman? What is this? Oh, this is definitely a unique situation is a kind way to put this.

Um, yeah. And that makes sense. So are you saying if she wasn't co-signed, um, meaning she wouldn't care if you missed a payment and you would just miss payments? You only care to make the payments because it doesn't make her upset? No, I mean, I would still make the payments, but they'd probably be late. Why though? Why? Why?

I typically always, even though, so my first paycheck usually, so the due date is I think the 21st of the month, every month. And I typically spend my whole paycheck before that. On what? Going out to eat, going out to just do things. Why is that more important to you? I just like to go out. Oh. I don't like to stay at home. I get that. Why is that more important to you?

I guess my mental health. It just makes me feel better. Oh, don't f***ing with that. It's making you feel better. It's your f***ing dopamine hit. You wouldn't feel bad about missing a payment. So you feel good. You get the dopamine hit. You get the, you know, load me up, baby. We're going and we're getting all those McFries or whatever you're doing. You know, that is a better feeling than any negative feeling or guilt or fear of consequences of missing a car payment.

Not the fear of consequences. Yeah, you know what happens when you miss enough of them, right? Yeah, the repo man comes. Oh, they come. Yeah, I missed one car payment because I was moving, so my finances went to me moving. Also destroying your credit, making it harder to get any other kind of leverage in the future if you ever need to. Yeah, yeah.

But so I missed a car payment and the next month I ended up paying the past due one. But then I was a month behind and my mom texted me. She's like, if you don't pay your car payment, like your car is going to get repossessed. I forgot your phone too. Yeah. And I felt really bad when she brought that up. It's a guilt thing. Listen, if for some reason that's the reason you make your payments on time.

Okay, but I would also like it just because you have any sense of discipline. You're 20 young, one, you are young, but you are an adult, three years of adulthood. There is certainly a transition period, a figure out type period, absolutely. But if we're starting to go into our 20s and you literally wouldn't care if you missed your car payment, if your mom wasn't on it because you would rather go spend your first paycheck on fun, like, I don't know, man.

That's not screaming much hope for the future. That scares me. I mean, the minimum payment is $386. And trust me, you don't make a ton of money taking away the money you steal. But $386 at a 13.47% interest rate. It's almost 16% of your net. How's the car? How's the condition of the car? How's the work? What? So, I mean, my car is in decent condition. It runs. Um...

But this is condition. It runs when I first. Well, it's not very pretty on the outside. The bumper is coming off. When I first got my car last February, I was at the gas station. You mean like the February that just happened? No. Okay. You're 23 or whatever last year was. Yep. And I was at the gas station and I kind of just rammed into a pole.

And so my bumper is now... You kind of just ran into a pole. What is I kind of just ran into a pole? You mean you floored it and you were just... I kind of bumped into it a little hard. What is this kind of? What are you talking about? I asked my ex if I was going to hit it.

and he told me no so i kept going and i rammed right into it how quickly it wasn't like two but the cars beat up because of it yeah is that it yeah that's the only um well that's the only like cosmetic issue um

but my AC has like some sort of like leak that we just found out about right when summer hit. - It's not the craziest thing. Plus Washington doesn't get that hot, so. - It's been pretty hot these past few weeks. There's been a really bad heat wave. - 85 degrees? - I think it was almost a hundred like two days ago or something. - Really? Okay. - Yeah.

Yeah, so there's that. My husband said my brake pads might be shot. Husband? Yes. This is a husband situation. Oh, I think you said that and that kind of flew over my head because you talked about the accent. You're married? Yes. Does he bring in money? Yes. Are you guys combined or split? We're kind of starting to combine. Starting to combine? How long have you guys been married? About a month. We got married on June 3rd. How are his finances? Um...

He's a little bit better with spending than I am. What about debt? He doesn't have any debt. Really? Okay. He's more... He's a lot more responsible with his money. What does he think about you literally stealing from...

your mom sometimes he encourages it if he wants to you guys are gross if he wants to do something um sometimes he'll be like oh like take the 40 dollars like just let your mom know and take it he'll he wants me to let my mom know though like he doesn't want me to just take it and then not let my mom i'm taking money to go have fun she's okay with that sometimes yes

Most of the time she'll just tell me to let her know before I take money so I don't overdraw her because I've overdrawn her a few times. So does she care or does she not? I'm so confused about this relationship. I don't know. Sometimes she does, sometimes she doesn't. I feel like it's a mixture between you're like taking advantage of the situation and then she also might be enabling you as well at the same time. Meaning you're never getting like your adult...

becoming an adult you're never learning a new responsibility because oh something happens mom becomes saves the day if you ever want to have fun we don't have to learn how to budget we don't have to do all this we just save the day listen you and your husband should take our budgeting program go through the budgeting program take all the quizzes take the investing program take all the quizzes take advantage of all that it's like the go through that you guys need to learn that discipline but i don't think that's the core issue here it's it's this weird relationship what do you think the car is worth

Oh, God. You owe $15,477 on it. What do you think it's worth? I think it's worth about $10,000. Last time I checked, and I'd probably agree, my original loan was for like $19,000, I think. You're pretty close. It's worth $11,000.

So a little better than that, but you're still underwater like 4,400 or so. And your plan with this car? So it's paid off. What's the term length? Do you know? 72 months. Of course. Oh, America. So my parents had to leave when they were going through all the paperwork and I didn't understand what they were talking about.

So I kind of just signed. What? But your mom was co-signing on this. So she co-signed and then they had to go somewhere and they said that it was fine for me to just like go through it. Oh. And I thought. What is happening in your house? I thought that a 13% interest rate was good. Because I think like my credit cards interest rate is like. Yes. Yes. Credit cards are pretty much as bad as you can get besides payday loans. Yes. Oh, no. Please don't tell me.

That- It's because something's better than a credit card. I promise it's not good. Dude, the S&P 500. The S&P- Do you know what the S&P 500 is? No. Oh, my death. Okay. That's okay. I want to do some math on the S&P 500. Just for any kind of context of what you have here. Essentially, okay-

I'm going to read the literal definition so you have it set out for you. S&P 500 Index or Standard & Poor 500 Index is a market capitalization weight index of 500 leading publicly traded companies in the United States. The index includes 503 components because three have shared classes listed. Essentially...

The way I look at it and the way I try to explain it to people is you're just investing in the United States economy. Like, they're just the major businesses that are running it. You're just investing in, like, a little better than the overall stock market. So, I open up my MooMoo app. That's what I use to buy some SPY, some SPY. This is almost as good as you get for, like, an index or being able to follow an index fund.

The best return you usually get on average is 30. I wish. 10%. 10%. You are at 13.5%. Which one's bigger? 13.5. Yes. You have a long time to retirement. You have 39 years before you can take it out tax-free. Getting that 10%, this $15,477 that's sitting there right now, would turn into $752,344 if it falls that average of 10% a year.

But you're actually losing more in interest, not over that time. I'm not saying you're losing $500,000, but you have a 13% interest on this principal balance. You do in these car loans. Now, this is kind of fresh. So you're still paying a lot of interest right now. You do tend to pay more interest up front, less over time, more principal at the end. Does any of this make any sense? A little bit. Kind of.

Just because it's less than 30% on your credit card does not mean 13% is good because really the best that you're thinking of and just even in aggressive investing is about 10%, 8% to 12%. Even the best private funds typically, you know, compete with the S&P 500 and a lot of them don't even beat it. So no, 13.5 is not a good interest rate. I... Okay. I mean, yeah, I...

doesn't sound good now that you explain it so explain your capital one quick silver card to me um so i opened that card when i was 19 um and i opened it right after my grandma died uh because i wanted to spend money because i was really depressed oh um the money you're getting from your mom was not enough the infinite money supply

Yeah. At that point, I wasn't really getting anything because they were having to pay for the funeral and stuff. So I opened up the Capital One card because I had decent enough credit. I think my credit was like $660 at the time, which isn't the best, but for somebody starting out, I feel like it's not the worst. And I maxed it out really quick. And then I would make my minimum monthly payments. And then...

I kept just going through some hardships a little bit because there were points where like, like sometimes like my mom and I would like get into a fight and we wouldn't talk for a minute. And then you're not allowed to steal? I mean, I could have, but I didn't because I didn't want to upset her more. Sure. I wanted to be at least a little bit respectful and not be like, oh, I was just a b**** to you and now let me steal your money. So you recognize you were the b****?

Sometimes. Okay. Sometimes it's her, but I can at least acknowledge that sometimes it's me. So yeah, I kind of just racked it up, started paying it off and then stopped paying it. And then I go through periods of time where I do pay it or where I don't pay it. So where are we right now? Because it looks like right now you do.

The credit limit is $500. So it's not like you can go crazy on here. You were at the credit limit, but then you paid it off. And then you pushed it up again, almost right towards the credit limit again. Yeah, so... But no interest is accruing. That means you paid it off. So, like, what do we do with this card? So my mom actually paid it off. You know...

I thought I legitimately I'm talking to you. I'm breaking fourth wall right now. I thought we had a little piece of hope in here right now. I put the second because I knew the card debt was going to be bad. And then I was like, we're going to have some hope here. Let's come with a little bit of hope. Are you kidding me? Why is she paid off? She already gives you all this money via that you just take into your cash app through her debit card. And she just paid off your card. She paid it off. What the f*** is happening? To make my credit score higher.

Why? I don't want you to have access to credit or debt, dude. I don't want you to. You don't know how to. Someone like you who's young who can take advantage of the rewards. I want you to open the Fizz card. I'll give you access to that. But you can only spend what you put in. House voucher, credit. I agree. Credit's good. I don't understand what kind of credit you can take advantage of. These own you. And mom's not always going to bail you out, be able to bail you out. Hold your mom. She just turned...

43. Okay, good for her. Like, not next week, last week. She's young. Yeah. And I hope nothing happens and I hope she lives a great life. Absolutely great long life. But if something does happen, if you do not have mommy to bail you out, all this credit card debt that you might get into that, you hope she comes and rescues you.

Okay, she paid it off. She paid it off. Cool. She paid it off. Cool. What is stopping you from building all the way back up like you just did? Because guess what? Well, you did actually. You did. We're here. This happened. So you were at $4.98. She paid it off. And then you spent $3.02. And what did you spend it on? You spent it on Sheen and Teemu.

Teemu and no, you will never sponsor me Teemu, stop emailing. You're a terrible company. Teemu? What'd you even get through Teemu? This is worse quality than this piece of paper. And that sheen, you're sheening? $268 a sheen? She pays off your card and I'm like, okay, let me go get $268 a sheen. She's not helping. Why Curtis Corn's not helping? Because you built it all the way back up to the Mexican. So what are we trying to do? You're fully taking advantage of her. Huff.

It's stupid. It's selfish. The Timu was dumb. I can admit that. The Shien, I had actually lost a bunch of weight and my clothes were all too big on me. I had barely any clothes that fit me. So I like... But why on the...

card that she just paid off you built it all the way back up again almost i wanted to come home and have clothes that fit me why on the card is the question that i have my words and mouth i had no money so i used my credit card but you take money into from her debit card to your check to cash app not that i'm even encouraging that either but you you've done that two hundred thousand hours worth what's different you've completely just negated what she did

She did this for you. Wouldn't encourage her to. She's enabling you of evidence right here. But why? It's so selfish and disgusting. Does she know? She know you built it right back up again? Um, honestly, no, I didn't tell her. We've done it a few times on the show. Done it a few times on the show. If, you know, in 20 minutes or now, once we get through this, can I call her or can you call her and tell her?

yeah she might not answer she doesn't pick up her phone uh text her right now tell her you're gonna call her in 20 minutes and it's important that she would answer you have something to tell her something important to tell her congratulations on losing your weight doesn't mean you have to lose your dignity what what is that little smirk what is happening what i'm sorry i'm sorry you know this is like one of the most disgusting things i've ever seen in my life personally

I can agree it's pretty bad. Oh, you did it. You did it. If you agree it's bad, why'd you do it then, huh? I don't really have an answer to that. We're doing a fast food tier list in the post show. I don't know. She just lost weight. It's not very fair. She's having fast food. But I guess we're going to do a fast food tier list in the post show. That's fun. I love it. I'm going to do it. I'm excited. Oh, you have a gift for me? I don't know if that's going to bring me out of the slump of hating this. That's okay.

Would you like to know how I lost the weight? Oh, sure. So, uh, I used to be 237 and a half pounds. I was very insecure. Um,

I won't go into the story of what happened, but there was something that happened. And I spent all of summer and like fall of 2021 just like and spring just being very insecure about myself. So in like end of summer, beginning of fall type thing, I got bariatric surgery. I got the sleeve. Wow. Like 20 and 19. 18. Yeah.

- Bariatric at 18? - Yeah. - Whoa. - I had tried the diet, but I couldn't keep doing it. But my mom paid for my surgery. - Oh, I'm sure she did. - It was 16,000. And I ended up gaining all of the weight back almost after my grandmother passed because I would go out to eat McDonald's and Burger King and just all that.

So then my mom ended up paying for me to get on weight loss shots, the Tears of Appetite, like Manjaro stuff. So then I lost that weight again. And then my mom just...

Paid again for me to have a tummy tuck and liposuction. Right now? I was actually supposed to have it last month. But when they put me under, they had to wake me up because my blood pressure and my heartbeat dropped to like deadly levels. Why are you getting liposuction instead of the work?

Instead of working to get rid of the fat. Oh, because my mom told me that I probably wouldn't be able to get rid of it. So I kind of just followed her advice. But you'll just put it back, though. It's kind of like the debt. When you debt consolidate without changing the behavior, people just build up the debt again. You're fat consolidating. You're going to build the fat up again without changing the behavior. If I went and Noah...

Put his little mouth right here and sucked all this, all the sickness out of here. This would be back in a few months. It doesn't change anything. I don't know. I don't know. And it also just feels weird that she said that, to be honest. It's a little weird. And I'm not against, you know, medical shortcuts. Again, it's just more I want to make sure the behavior has changed. And she's paying for it. Yeah. Do you want to? I mean, now I don't. After they had to wake me up.

Oh, yeah, that's scary. I'm really scared, too. But I told my mom that I would go through with it because she already paid for it. Why does she care so much about this? I mean, she doesn't care. She just wants me to be happy. Okay, well, I want you to be happy, too. But don't you think you'll just put it back on again? Don't you get...

I'd hope not. Okay, well, that's not anything. I mean, I'm trying to eat less fast food and stuff. And? I'm doing a lot better than I was. Okay. Because I used to just eat it every meal, every day. But now I will actually make food at home, even if it's just a turkey sandwich. I'll eat at home instead of going out to eat. Okay. I don't know. You choose what's best.

You choose from there on that. But that's, wow. Okay, we have student loans. Yes. What did you go to school for? Do you have a degree? You work for your mom. So I've switched my degree a million times. It's always been in the field of psychology. Wait, you spend $500 going out to eat. I hear of your spending breakdown. I'm sorry. I had to interrupt you and rewind for a second. What are you talking about? You're doing better. You spend $500 going out to eat.

What are you talking about? Sometimes I go to more expensive places too. Like my husband and I will go out to restaurants. Also, dude, just your miscellaneous bullcrap category, which we're going to go through so much spending here in a little bit, is $2,598. It's literally what you... $94 more than hits your account on a monthly basis. So the rest is borrowed through mommy? Yeah. Borrowed. Wow.

This is insane. Okay, college. Go. So the first college I went to was, I think it was Ball State University. And I was going for a bachelor's. In Indiana? Yeah, but I was going online. Okay. I was 17. I took my GED at 16, graduated early. And then that was the whole deal between me and my mom was... Their football teams suck. I would get my GED...

Because I didn't want to go to school anymore because I was bullied really bad. And online school was just so hard for me. I don't think... Well, I can't say this for 100% certain, but college is a different experience than grad school. I'm sure some people still get bullied, but I feel like, gosh, I never really even saw bullying. This is very much, you know, that's anecdotal. We can't base the whole world off of that, but...

I really don't even hear, again, that's based on my own experience, but I don't even hear of people getting bullied in college. Yeah. No, I don't. Well, actually, I can't say I don't get bullied in college now because there's this girl at my school who likes to... You're in college right now? Yes. Oh, my gosh. Okay, there's a girl who likes to... Like harass and attack people on Snapchat. Yeah.

Oh, well, people in general. So it's not targeted at you. It's like... Well, it's targeted at me and other people at our school because we'll call her out for being mean to people on the school story for no reason. Okay, so she's just a bitch to the whole school. Yeah. Okay, so it's not targeted at you for being you, though. Yeah. Okay, okay. Most of the time, yeah. So you went to Ball State online. Yeah, and...

I can't remember what had happened, but something had happened and I fell behind in school. Like two years ago, dude. So I left. Sure. And then the next school I went to was the...

Chicago School of Professional Psychology or whatever the heck it's called. Okay, following Mama's footsteps. Sure. Yeah. So a really exciting thing that you guys should be thinking about is we now have all these extra things with our YouTube membership program. You can sign up for our post show. We talk about extra drama for the episode that we didn't have a chance to dive into. Why would I want more than one? I don't even want one. You don't. You just touch them. Why would I want to do that again? Because it's fun. Is that? And it's awesome.

You're good. Hey, bro. How is Caleb as a lover? I would give a solid nine. Wow! How do you get to a nine? I just don't know how to answer that because, I mean, I just do. I just do. For the upper tier memberships, all the people from the crew from over there, they come together, they make a crew cast, and they talk about behind the scenes content and how we do everything here. I feel like I don't want to contribute as much because I'm already so much on camera. That is the greatest thing I've ever heard. Ha ha ha!

Twice a month, Noah and I come here. We have a live stream with you guys, and we hang out with you. We answer questions. We chat it up. We talk about the show. We just have a good time. Caleb reads that book every day. I actually wake up, and then I goon to that book in the goon stream.

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And I think, I can't remember what degree I was going for. I can't remember if it was just straight psychology or if it was applied behavior analysis. But I was going for one of those there. Yeah.

I can't remember why I left. I ended up falling behind and left that one too. So you can't remember why for both. Okay, that's great. That's going to prevent us from doing it again. The last school that I went to. So you've been to three schools and now you're in your fourth? Fifth school. Oh my. I went to Colorado Christian University and my grandmother ended up passing away.

okay so then the fifth fourth so i ended up leaving because i just couldn't mentally do it and then i'm sorry that is very hard and i do get that yeah it's okay to take time off and especially in a time of tragedy yeah totally reasonable and then the fifth or fourth school um what is it called american like american public university something like that i don't know my mom went there um the one now

Southern New Hampshire University. How are you? This doesn't make any sense. What do you think these other ones are going to be? What do you think the next one is always going to be better for you? I don't know. This one, though, I'm already a third of the way through my degree because you can take classes. What are you trying to get? A bachelor's in psychology. Okay. With an emphasis on mental health. Well, they don't have that. They're focused on tech, but I gift it to someone you know. We can give it.

I can offer tech certifications to course careers for like accounting and different things like that. So if you ever want a resume booster or anyone you know wants it, I'm happy to gift that to you. They're pretty cool. Okay. How much have you borrowed total? Because we have a lot of different student loans here. None of them are super high interest rate. We do have a couple edging towards that five, but most of them are at two. What's the total student loan balance across the board? Oh, I don't know. Maybe I think it's like seven or 8,000.

It's not crazy, especially for someone who's been to five schools. Just, I guess you leave pretty quickly. Obviously, no minimum payment because you're in school right now. Yeah. Okay. Then collections. And this blows my mind how you even got into collections with your just absolute beyond privilege. When people use the word privilege, this is what it actually is. So collections one. That is the school, Colorado Christian University. You owe $1,732. Okay.

You on a payment plan? Are you on anything? Is it just sitting there? What's going on? It's sitting there. I was going to get on a payment plan after the dispute. I wanted to see first if they accepted it or not. You spent $2,594 on miscellaneous bullshit. That doesn't matter. In a singular month. Just literally spend a third on that and you can pay this off. I don't get it. Your priorities are...

Yeah, sometimes. Usually my mom will help me pay off my debt and stuff. You don't need her. Look at your spending, dude. You just have to control it. For f*** sake. I have a headache. I don't... I need you to like separate from your mom somehow. I need her to like stay alive but not be like not... I just need like to... You need to not be able to have access to her somehow. This is like... Because I have no problem with someone helping someone out.

And I have no problem with asking for help either. But what she is doing and taking care of you and babying you and doing all this, you're never going to grow the fuck up or learn how to budget or learn how to manage your finances. You're never going to be able to be independent ever. And you take advantage of it so crazy. Dude, your mouth has never delatched from those. Dude, you are still right up on them.

I've tried to make budgets like with her, like not with her money, but like with my own money, but like go through my spending with her and then make budgets based off of what I make. Yeah. But most of the time, like I've done it. I always make less than like what my bills and stuff are. What's your rent? My rent right now is $16.95. I was splitting that with somebody. And so I was only paying like- Get a roommate again. Yeah.

So I have my husband living there and he's actually going to start getting the housing allowance from the army. So that will cover our rent completely. There you go. So you are well within your budget. There's no other minimum required bill that's here. Yeah. There's no other minimum. There's, there's, you're totally, even when you had a roommate, you should have had room in your budget. Unless you were budgeting like, like this, like $800 for fun or something, then you're right. You probably couldn't afford it.

$608 in this other collections. Okay, so cash ups your checking account apparently. Yes. Because we're a child. Okay. I couldn't... Every single time I signed up for a bank, they wouldn't let me. And then I finally signed up for US Bank, but then they held my money hostage. I literally had eight

1800 in there yeah um that they wouldn't let me pull out wouldn't let me transfer what was the reason no clue i don't know what was the reason i had it no oh they would tell you why oh they said 46 cents they told me there was nothing wrong with my account ask donations 36 dollars

So... You're stealing money from your mom to donate to someone? That was for... To get stuff for a game. That was probably not a smart decision. Like, you could get, like, free coins if you did a thing. But I canceled it. Coins for what? I can't even remember what game it was. It was, like, just one of those, like, stupid phone games. Oh, you're f***ing getting stupid f***ing gems. Bingo. That's what it was. Bingo? Your mom's not old enough to steal money for bingo. Bingo?

And you're definitely not old enough for that. Bingo? That's my favorite game. I went and played bingo on my 18th birthday. Okay. You know, that's fun. But also, we're not getting like... That's a form of gambling in a way. And we don't get to do that when we're in debt and relying on mommy to live. Yeah, that's why I realized that was stupid right after I did it and I canceled it. Oh, okay. 36 bucks there. Pokemon. Pokemon. Pokemon. What the...

What is this? What is this? Three Pokemon charges in a row. 14, 11, 11. What is three Pokemon charges in a row? I think one of them was for the Pokemon pass thing. One of them was for like, not the Pokemon pass. What is it called? Like the community weaker. I don't know. No, I don't know what it's called, but it's like you buy like a pass and then because I play a lot of Pokemon go.

There better not be anymore Pokemon in here. What are all these Apple bills? 416, 520. These have to be in-app purchases. 416, 520, 312. $63! What are you?!

And then more Apple bill, $4.16, $4.16, $14.56, $22.88, $3.12, $7.28, $7.28. What the f*** are these? Some of them are subscriptions for games. Games? How many games? How many games subscriptions do you have? I currently have... Is this like your addiction? What is happening? At that point, I had two. What's that point? This is now.

Well, so I had, I canceled my bingo one, but I had like a bingo subscription. I actually had three. And then I had one for Yahtzee because I didn't like the ads. You're 80! And then I had another one for like this, like paint by...

number or whatever game on my phone buddy this is way too many charges for just a few games no and then some of them are um also microtransactions like within the games um and then get an extra dice and yahtzee yes pay for it actually oh my or not extra uh but like an extra yeah i guess actually yeah extra so you can like restart your turn and stuff restart your turn yeah so you're paying to try to get a full house it's ridiculous

Yeah. Sometimes like I'll pay to like get the continental kennels thousand dollars. So that sent a centennial. Yeah. Centennial. That was boarding my dog. How long? A month.

I was in South Dakota for a month while my husband was training. Why didn't you take the dog then? A month? I couldn't be away from my dog for a month. Yeah. That's insane. I'm actually trying to rehome her because I can't take care of her. Why? I just don't have the time to. What do you mean? What do you mean you don't have the time, dude? Do you know what you're fucking saying?

You don't even do a job. She, well, so I'm supposed to go into work, but I can't because of her. She cannot be crated. She has to come with me. She has such severe separation anxiety that she will literally piss and all

all over my floor and destroy things. Well, that's different. That's less you not being able to take care of her and more she might have behavioral issues that are on. But did you work like a trainer or something or like anything? Like maybe medication? She's on medication. She's just. I'm not a dog expert. She can't do like she just can't exist without like other dogs pretty much. But I don't want to get another dog because I know I don't have that. Like I can't do that.

um so i had to board her um while i was um gone in south dakota because my dad doesn't want her in the house because of that okay well it might be one of those times where rehoming actually might be the thing to do i don't know though i'm not a dog expert but you know if it means they live a better life then that's is what matters but you door dashed 7-eleven

I can't remember what I door dashed from there. Probably. Can you door dash from 7-Eleven? I know you can door dash like Slurpees and like food and stuff. Honestly, I have no clue what I door dashed from there. I've never seen that. That's a first. You may have been the first person to ever do that anywhere. Okay. More Apple. 963. McDonald's. 3542. Holy expensive McDonald's.

I might have been buying it for somebody else, too. Little Caesars. $46 from Little Caesars. Oh, okay. So my cousins were spending the night. That's why I spent so much on McDonald's. So you use your mom's money for your cousins? Do they know that? They're all little, so they wouldn't care. They love when... Little Caesars. Door-dashing Denny's. Buddy, you gotta pick like... Little Caesars and the Denny's were also for the kids. I actually did get money for the McDonald's and Little Caesars from my cousin, but it was...

put into my usb account only meant for like 3 a.m though this is like yeah they wanted denny's for breakfast and i didn't want to take $368 that was um my car payment i was sending it to my mom steam games 520 will you get a game 52 steam down here what are you getting uh that is for cs2 counter-strike 2 i buy you're getting skins

Yes, and then I sell them for like... Hopefully a profit, but... I sell them for a Steam profit so that I can get games that I want on... So you can sell them like in... Like on like external websites where you can get real money, which is what my husband does because he gets like rare stuff. But I sell it on Steam so I can get money for Steam games that I want. And usually I'll make a profit off of like the CS skins though and stuff.

But what's the profit? Like two, three dollars? You can't be doing something crazy here. Sometimes it could be. I think the most I made was like 75 off of one skin. And I had only spent 20 bucks, but it wasn't even 20 bucks. How many of you also lost the money off of? Be real. I don't know. A lot. That's how it goes. Yeah. So, yeah, we had a winner. But combine that all aggregated out. Who knows?

Okay. What's this Square Enix? That is Final Fantasy. Buddy, is there a game that you've ever forgotten that you don't just spend money in? Like, this is crazy. You're obsessive. And none of it's even your money. Kind of gross. I feel kind of gross. Zoo, I think. No, f***ing games. $100. $5. $11.67. $5.50.

$50 you're getting skins every second of your life yeah i was uh that one was kind of peer pressure i was on a voice chat with my husband's friends and your husband's friends yeah they all do that too but they all also don't have bills or lives for that matter um so you barely have any bills you've just um kind of what is it like um what is the word like

peer pressure you spent 110 on a buffalo wild wings door dash that was for my friend's birthday for um yeah but you spent it wasn't your money sure but you spent it like this is just this i don't know if i can actually counteract this i don't know if i can get a plan for you because you it's just again you're just on the you're just you're you're stapled to it that's just a you you can spend whatever you want because none of it even matters because you're just taking it all tep x that's minecraft

Minecraft is a one-time payment. It's like, I play on servers where you can do like microtransactions to get ahead in the game. To get ahead in online servers? Yeah. What are you getting ahead in? Like you can mine slightly quicker? Pretty much. Oh! Just enchant your axe. Just go to the nether, get your experience and enchant the axe. The pickaxe.

On those servers, you can't do that. What do you mean you can't do that? You can't play the game in the servers? Why would you even play in it? Well, so on the servers, you have to like... I play like prison servers where you like mine...

And so it's just all like mining, but it takes a really, really, really long time to like get anywhere. So maybe we should play on a different server where you play real Minecraft or something. I don't know. That's such a wow. They won. They won. They won. They're like, let me put something someone. Let me make a fun game, the most boring game ever and make it incredibly hard for anyone to play unless they give me more money in order to do it. And you fell for it.

Yeah, I can admit that I definitely steam steam steam. This is eight day nails. So I was getting my nails done. Jersey Mike's Microsoft. Is that more Minecraft? Microsoft would have. I think that's like one of my I think I think Microsoft is my whatever you call it, like my word or whatever. Like I'm not 100% sure. How much did you spend in Minecraft?

probably good like five thousand are you kidding me over the course of what five it's a over the course of like two years two yeah about two years i don't know what can even be done with this dude twenty dollars at starbucks great you got some burnt coffee some beauty products from gloss demon bunny bay hundred oh that's my lashes oh god why don't you just paint them

Door dashing Safeway? You're the only person that door dashes gas stations. This is so weird. Safeway's a grocery store. Oh. At least in Washington. And you door dash your groceries? Sometimes I do. How much was that for? And then you door dash trade aid. Applebee's.

Circuit and three. Oh, so that so that was when my husband came home from training and we wanted to go on a date night. So we went out to Applebee's and we also went to like this paranormal Cirque. Call your mom and tell her thank you for paying for that because you didn't legendary donuts. It better have been good for $36 Spencer's gifts. I guess we're getting things to stick up our hot topic. Little less rated our version Venmo.

This is crazy. Steam levels? So... $59.82. What the f*** is Steam levels? That is to like... $107 to Steam levels. That's to like up your level on Steam. I wanted to make my level higher than my husband's because he purposely bought more levels to be above me. What are you guys... What is your life? What is your existence? This is... That's... I don't even know what to say. I have nothing. I have no reaction. That's just f***ing crazy. That's just f***ing crazy.

What is there even to say? That's just... That's... That's crazy. Why the f*** did you do that? Who gives a s*** about Steam Point? What? I'm just very competitive in that sense. You're not even winning, you're buying it. That is true, yeah. Really? You feel a sense of pride winning a thing you cheat in? Sometimes. That's... I wouldn't want to play a game with you.

Wish you were competitive to get out of debt. Wish you were competitive to live a better life than the people around you. Wish you were competitive to try to not, you know, still be attached to the mom. You know? Wish you were competitive for you to live a better life. But, nope. You're competitive to get Steam points. What a joke. Wendy's. Venmo. $2,000 in retirement. I'm actually kind of surprised. I would have more, but...

A few years back, I got into a really, really, really bad fight with my mom. And we were not on speaking terms. And she had fired me. And I wasn't going to be able to afford to pay my rent. She fired you? Yes. Because of an argument? It was a pretty bad one. Go on. Just give a little.

About the argument? Yes, yes, yes. I can't remember exactly what it was about. Like, my dad was, like... Well, you seem not to be able to remember anything, apparently. Like, my dad was being kind of a dick. And so I got into a fight with my dad. And then it proceeded to become a fight with my mom. And I kind of... I threw a taco at her. And I hit her golf cart. Her brand new golf cart with my car. And dented it a little. So...

She fired me. She didn't talk to me for a while. And that was also like right after my grandma died. So tensions were just really high already because of that. It kind of all just boiled over. So I pulled out my 401k and I did do the responsible thing. I did pay my rent with it. I paid my bills and everything. I didn't spend it on stupid. So you get separated from the teat and you have to drain your retirement because you don't know how to budget and stop spending money on both.

Because again, I mean, how much money do you think you spent last month? Again, what came in through payroll? What came in through payroll? Yeah, the $2,500, just about. Okay. What do you think you spent? $6,000, $7,000. And you're just, it was $5,300, which is insane. But you're just like $6,000, $7,000, like it doesn't even matter. Why are we, what can I do? Please help me turn this into something productive.

For you. I'm sure it's productive for someone out there that's like, I don't want to be that. And they're like, you know, they'll actually push into action. This helps people keep motivated as they're getting out of debt and all this stuff. For some people, it's just entertaining. So, okay. It's providing good out there. Yeah, yeah, yeah, yeah, yeah. What the can I do for you? Because that's just insane. Like you didn't even get six, 7,000. It's nothing. It doesn't matter. What can I do from you? Do you even want to change?

No, actually, no, no. I want you to answer that first. Do you even want to change? Do you want your life that is happening right now to be different or are you just okay with where you are? I honestly, I want to be different. I want to live the life that I live, but with my own money. I don't want to. You might not be able to do that unless you three times your income. So is that the goal then? Is that what we need to do? Does that change any of the responsibility? Is that not just lifestyle inflate yourself potentially? Yeah.

I don't know. Because, I mean, our, like...

Because now it's me and my husband. And so he'll be getting that housing, which is like, I think he said like between like $2,000, $2,500. That'll cover all of our bills. So instead of being spoiled from your mom, you're going to be spoiled from your husband. No. So that will pay that. And then I wanted to try to be a little more responsible. What does that look like? Putting extra money towards my car.

Really? Instead of just paying like 30 minutes ago, you were like, you don't care if you miss a car payment except for your mom's on it. So that's why. And that's why I want to finish paying it. Um, because I don't want her to have to deal with that anymore. Um,

Is the car the problem here, though? You spent three times what you made. And of that spending, 48% of it, 41.8% of it was just on, like, games and bullshit, steam and crap. $514 was going out to eat. Grocery store was 1.5% of that spending. Housing was only 13.3% of that spending. Other large purchases was 24.8% of that spending. The other large purchases was Chewy, Venmo, and now $1,200.

parchment university docs atm would draw 205 dollars in county records uh yeah the county records was my uh marriage license the chewy was stuff uh it was medication for my dog i don't need an explanation for all of them i'm just saying is the car the problem it's 386 dollars spent 2 500 hours on games as much as you bring in from your income so i i don't i don't know

You might need a detox from the games, honestly. You might need to get away from that. You might need to find other things to do. Because you can't play a game without giving in to the pay-to-play. You're EA's wet dream. Yeah, I did notice that when I was in South Dakota for a month, I didn't really spend money on games. Maybe you guys need to move to South Dakota. I think I'd spend more money living in South Dakota because all I would do is play games. So your mom doesn't know you built up the credit card?

I don't think she does know. Okay. Then I don't think there's honestly two. Like, you need to figure out a lot of things. But I think a good first step would be at least taking some responsibility. I want you to call her. Tell her that the card she just paid off you built right back up again. And it was on clothes and Teemu. And does she know about all the money that you transfer? Yes. She does know about that. Does she know where it goes?

Yeah. And she's okay with it? I'm still so confused about this. I mean, she... I don't think she is, but... What do you want me to say about that? I guess... I think part of her, like, reasoning for not, like, caring too much is, like, we grew up really poor. Like, we were on food stamps, and my parents, like, pretty much, like, were... I mean, they were more responsible than I am, obviously, because they had two children. Everyone was, yeah. But they still, like...

Like we were just like dirt poor. Like I couldn't even like go out with my friends most of the time if they were going and doing stuff. So I think that, and that's also part of the reason why I spend so much because I just get so scared that we'll get that way again. But my spending habits kind of. Okay. Well, if she picks up,

I want you to confess that you blew up the credit card again and it was on Timu. And then if I get the opportunity to talk to her, I'm going to recommend that she starts waning you off so that you can become an adult and I'll tell her why. So let's give her a call. Do you want me to put on speaker? Absolutely. Okay.

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I just wanted to let you know that this is anonymous but recorded. Okay. And also, my name is Heather. Oh, God. I never would have gone with that. Okay. So, I wanted to confess something to you. Oh, God. So, you know how you paid off my credit card when I came to visit? What?

Yes. Well, after you paid it off, I had immediately... Used it? Yeah, I used it on Timu and Shien. Oh, I don't know. I'm not surprised. Yeah, I wanted to let you know that. Thank you. Okay. I have to ask. I'm not surprised. Okay.

Hi, I have to ask. My name is Caleb. I'm the host of the show. You don't seem to care too much about that. I mean, I guess I'm so used to Heather. We'll bleep it. It's okay. To Heather, kind of borrowing money. So it doesn't surprise me that she...

did do that because I know that she does rely on me a lot for you know she knows that she could just like in fact today I was just looking at my account and I noticed there's like six or seven like cash up withdrawals that she'll take 50 bucks 25 bucks whenever she needs it and it's something that like we've talked about and I'm like okay you've got to stop doing this but it's not like for me financially speaking I it doesn't

Like it's chunk change to me, I guess. So like if it meant I couldn't pay my bills, I'd be a lot more upset. But my focus isn't so much in helping her out. I like helping her out and I'd rather her, you know, if she needs money from me, get it while I'm alive versus when I'm not. But I do want her to get to the point where like if I was gone or we had nothing that she could be able to

support herself but just because like it's been ongoing like this is kind of like an ongoing like you've gotta you know be more responsible you've got to do this and um i guess it just it isn't as big of a deal to me because it's just something i'm very used to but do you know how much money that she's taken from you over the last five years i don't i'd be very interested to figure that out we're thinking that right it's about 200 000 hours as far as we know

Oh, my God. For real? Yeah. Does that include paychecks or is that just from Cash App? From our conversation, it sounds like Cash App. Oh, my God, child. Also, in terms of how much she makes working for you, she brings in $2,500 net after everything. How much do you think she spent in this last month?

my god um does that include the tummy tuck that's the surgery she paid for no that was not in the statement so it was not included in that no she used her card for that um oh yeah so that doesn't include stuff that I buy which isn't as frequent though usually she just takes the money um uh no I have no idea she spent even though again what came in was $2,500 of her own earnings she spent $5,378 whoo

And actually, it's more than that because when she came to visit me, I just gave her my credit card and let her use my credit card. That was the last time we came to visit, when we came to visit last week. Yeah. Wow. Okay. I do have to ask. And I know that I'm really bad. I know I'm 100% an enabler and, you know, I don't want to be. And I know Heather doesn't want me to be either. But I guess it's just kind of hard, like...

You know, like trying to make those decisions for somebody else and feeling like she's like she has full access to all my stuff and she just takes it. It's not even like she asks, you know, like she'll just take it. And so I just kind of don't know.

I know. Like, I'm really bad at enabling her. Why are you allowing this to continue? Because she's, you know, from her own confession, she thinks she's been independent three months of her entire life. Like, truly independent. And I think it's creating a situation where if anything, and obviously I hope this doesn't, but if anything tragic were to happen, I don't know how she would survive. I really don't. Right.

And I agree with you. So this is something that I hadn't really given any thought to up until more recently. And that's when I started, especially like after she got married and stuff. And I felt like that might be a little helpful because now she has a husband to kind of keep her accountable to that spending a little bit more too. But it is something that I have recently started to think about like, okay, so what happens next?

you know, if, if, if I pass or, or I lose everything or whatever, and I don't have the ability to help her anymore, like what would she absolutely do? And so I don't really know how to help her. I'm, I'm willing to cut her off. I'm willing to do that. I just don't know how to help her kind of figure out like a real budget and really sticking to that budget, especially being from out of state. Now we don't live in the same state, so it makes it a little more difficult to,

But I'm happy to help in any way I can. We're actually putting her through a whole budgeting program, so she'll learn that and she'll have access to a bunch of different education. And she has access to us for help. I highly recommend cutting her off now. Instantaneously? Maybe not. I don't know if I'd give her access to be able to pull whatever she wants. I think maybe she would need to ask for things. Yeah, I think she needs to end that. I don't know how to decide. I don't even know. She's the one that knows all. I am so stupid when it comes to

and things like that. And that's actually one of the first things I was going to talk to her about when she came back was, okay, how do I, how do you get yourself, you know, I don't know how to do it other than calling the bank. I don't even know if that would help. So yeah, having her, she would have to, and it's just cash app, everything else she does have to ask for, but she doesn't because she knows she's got that cash app.

yeah i think yeah where i'm gonna put that as one of her first goals then is to take accountability and do that and then again if it's more of a weighing off like weighing off that's okay but i do think she needs to start getting some independence uh especially going into this marriage too because i don't because from the conversation it sounds like he's excited to get some of the money too when they go and they just have fun and like right yeah

They need to be able to be independent. Yeah. And I absolutely agree. So any way that I can support, and, um, I don't know if like weaning off maybe just says, okay, you know, set an alarm, you know, lay a pillar, preferably $0, but maybe it's up to this much a month. You can end up borrowing. Um, nothing. I don't know. I don't know. I don't know if you have any ideas. I'm totally open to, um,

whatever they are so now the what the final question i have is the word borrowing was continually used for this money but to me it seems more like she's just getting it does she owe this back money no i don't loan money to anybody um and ask everybody i know i'm very like i loans ruin relationships and so i don't believe in them if i give you money i give you money whether it's

$10,000 or $5. Like I don't expect it back. If I, if I give my money to anybody, I always expect that that money's just gone. Kind of like gambling. If I want to go gambling, I assume that I'm, if I take 500 bucks, I'm, I'm leaving without it. Right. You know? So that's how I look at, at,

um if i can afford to give the money to somebody i do it if i can't then i just don't give it to them yeah i actually agree with you on that when i give money i you know it's you know i don't expect to get it back i don't uh complicate relations with the loan however that being said i don't think this money is actually helping her right now because it's literally all going to video games all of it oh my god

Oh, see, I didn't know that. Oh, yeah. It's just in-app purchases, and it's crazy. Well, hopefully she'll send you this episode, and you can see we go through every single purchase. I plan on watching it. Yeah, when she told us, like, we're having a watch party, we're going to watch it. Because I want everybody to be able to kind of support her in this, too. Like, you know, and even my husband holding me a little bit accountable and telling me, you know, like, you know, if he has to tag me or whatever. I want her to be able to.

be able to budget and be comfortable. And like you said, especially with the marriage, you know, I want her and her husband to be able to put money away, have a savings for them for the future or for whatever they may need it for. I don't want them, you know, because I don't think he's, he's not a big spender like she is. So I don't think,

I think that that could be a real issue with their marriage too if she keeps spending like that. Perfect. Well, thank you so much for your time. We're going to wrap up this episode, but we want to do a follow-up with your daughter in about six months and see if this actually changed and if she's actually kind of cut off. So I'll kind of virtually from here hold your feet to the fire a little bit on that as well. Hey, I love it. Okay. Okay, cool. Well, thank you so much for your time. I really appreciate it. No, thank you. You guys have a great day. You as well.

So, yeah, we want to have you on the follow-up channel, which, by the way, there's some actually great ones. Link in the description below. And that's what I think. The main thing for you, I don't think sitting here and making a budget is going to be what makes sense because that's not your issue. You're going to figure out how to make a budget through going through the program. Because if I can make you one, it's just like you're not going to do it. That's not what's solving. I need you to...

Disconnected from the cash app. Sit down with your husband. Figure out what your goals are. Figure out what you want to do. You need to actually start taking accountability. Be mature. Stop taking money from your mom. Have those conversations. Even if it's a win off, that's okay. Like, fine. If it's a marathon, it's not a race. We're just, we're trying to get there in the end. And, um...

We'll do a follow-up in six months, but that's the first step I need you to take and then go through our educational program. And I need you to cut down the bulls**t to practically zero until you're out of the car debt and out of the collections at a minimum. I really think you can. And then I think you can do really good on your retirement.

Yeah, I wanted to put more in. I just do the minimum that the company matches right now. And that's fine. That's 100% return on your investment. And you will? It's not going to really... Outside of the match, it's not really going to compete with that 13.5%. And just remember what we went over. So pay off that debt. Pay off the collections. Grow up.

Let's see. A little bit of progress, but mostly the separation growing up and having started to make a budget and trying to follow and cutting your bulls**t down. That's what I want to see when we meet. Okay? Okay. Okay. I'm going to get you a Hammer Financial Score. Then we can compare it to whatever the Hammer Financial Score ends up being next time. Spending a budget, I mean, it's 0 out of 10. You spent... Compared to what you made and you had to take money from your mom and it was...

debt you have collections so it's a 0 out of 10 emergency fund you don't have anything in savings 0 out of 10 retirement you do have what was it 2500 something around that and 21 you know okay I'm shooting for a solid 4 out of 10 there at 21 real estate though 0 out of 10 so hammer financial score I think that is going to oh gonna round us I only round up I don't really round down unless I hate the person or no I was feeling that a little bit towards the beginning I don't know but that's okay

Your mom gave me a bit of happiness, especially since we're heading into the post show. That's good. But one out of 10 is your hammer financial score. Make sure to stick around for the post show link in the description below. And you'll also find links to resources like our budgeting program and other things that I use and that you could use as well. So make sure to check this out and stick around for the post show. Today on the financial audit post show. Go ahead and present Caleb his gift. You might use the post show budget for me.

I'm not saying this check to be too insane. Okay, whoa! What are we doing in the post show? Konnichiwa! Minna-san! Welcome to my stream! I'm so happy y'all could join me today! We're gonna have a super fun time playing. To watch the financial audit post show, click the join button below.