Chapter 1: What is discussed at the start of this section?
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I got a $122,000 inheritance check. To then which we, like, blew and... A year and a half out of what?
We were spending at least $1,000 a week on bud and... $1,000 a week on weed?
I thought that I had told him about everything that I, like, all of my debt. That's not my fault. He didn't remember.
Why has no one considered leaving? Has anyone considered leaving? I have in the past. So the answer is, leave her. She's a complete failure.
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Chapter 2: How much debt do they have and how did it accumulate?
She's a f*** up. She's done. Dollar Wise 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.
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I'm Alexis. I'm 24.
I'm Drake. I'm 23. We live in San Antonio.
And this is Financial Audit.
Thanks for coming up to Austin, guys. Nice to meet you. Listen, Alexis, you're right in front of me right now. Mm-hmm. So I'll start with you. What do you do in San Antonio for a living? Cheapest major city in Texas.
Is it really?
So income can stretch further. Well, yeah. I mean, everyone hates it. Continue. Go on. What do you— I don't know about that.
I work at a smoke shop. A head shop.
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Chapter 3: What are the challenges they face with their finances?
Yeah. Okay. Is the whole thing under the table?
Not the whole check.
Okay.
And what's this under the table? They're like, here's some cash. But they just don't want to pay the time and a half.
Huh? They don't want to pay the time and a half.
You said under the table. I'm quantifying what the f*** that means. Just cash. Cash. That's what I asked. And then you answered something completely different. So they just give you cash once a week?
If I like work more than 40 hours, then yeah, I get whatever extra I'm supposed to get in cash.
And have you brought this up?
No.
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Chapter 4: How do they plan to improve their financial situation?
Advocate for yourself. How long has this been happening?
Since like January-ish. There's a bunch of employees that quit. It's over a couple months.
Okay, very good. I don't give a shit about what you're going to say. I'm talking to her. Sorry, I'm just, I'm not trying to come out of the gate as a dick. You just keep jumping in, man. It's like, dude, I'm trying to talk to your woman right now. Listen, I mean, the dude, his fear, like his biggest fear in the world is being cucked.
Like before I even met him, he was just blabbing around the office. I hope no one here steals my girl today.
Okay, no, I just know y'all are a bunch of gooners.
Bunch of gooners, but we don't just women, one, without their consent. Two, taking them from men.
I've heard Brandon's comment where if it's not married, you know, that's what he said.
So you guys are not married?
Not yet. We are engaged.
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Chapter 5: What is the Hammer Financial Score and how can it help me?
See where you stand in the world of finances. Get your Hammer Financial score for free at calebhammer.com. It's pretty awesome. Thousands of you take it literally daily. It's kind of awesome. And also tens of thousands of you have downloaded and are members of the Dollar Wise budgeting app if you don't want to be like a guest who ends up on this show.
So make sure you download that, test it out, see if you like it.
Chapter 6: How can I effectively budget and meal plan?
And when you do, like most people do, you should sign up for the annual version because it saves you $50. And you get my signed 30-day budget meal plan right here. This one I already signed. This one's for you guys. It is detailed, your 30-day meal plan, drinks, snacks, food, all the goodies right in here. It's awesome. I'll mail that to you after I sign it.
Then you no longer have an excuse for not being able to meal plan, budget your meals, everything like that. Even count calories, okay? So that's it. Let's get into these cards. What's happening here? Okay, very good.
Chapter 7: What are the consequences of late payments and collections?
Why the f***? Are we behind on making the Capital One Quicksilver payment?
That would be her account. What is wrong with you, woman?
I thought I would pay it off and use it for groceries. You thought you would? Yeah. That didn't... Why didn't it? Self-reflect! It's, I would use the money and then something else would come up and then I would never like go back to paying it off.
Chapter 8: How can I improve my financial situation and avoid debt?
It was just like- Why? I'm trying to get self reflection.
In my brain, if I pay it off, like, I make, like, $200, $300, $400 a week. Paying it off would take my entire paycheck, and then I wouldn't have money for, like, anything else.
They have monthly payment plans.
Why not make the minimum of $65? It's supposed to come out.
It just comes out at the wrong times. No, no.
The auto pay does not come out after the payment is due. No.
Yes. I never have money in my account whenever it needs.
That's it. It bounces. It gets sent back. Yes. This takes two years to pay off. The limit is $300, but you owe $422.62. But you owe $300. What the f*** are you doing? Yeah. The fact that there's even transactions blows my mind. I don't know how that even happened. No, that must have been. No, no, no. That was a return payment. Must have been. And then a late fee on top of that.
Yeah. Yeah.
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