She's Back | Financial Audit

"Okay, Hammer financial score. Remember, join us in the post show before I give the Hammer financial score. We're going to talk about insane drama that happened with her ex-sister-in-law after the last financial audit and then also that moneyaundering scheme that definitely happened in prison? Okay. Two out of 10 for spending in a budget. That is because you're not overspending what came in. You are still doing Uber Eats when we should be paying off a 17% loan or whatever that is, but it is still it's not the worst in the world, but it is certainly not good. Debt, we have collection, zero out of 10. Emergency fund, happy to see $3,000 sitting in there. I'll give an extra point because there was money in the checking account, so four out of 10. Uh retirement definitely behind for sure. Where would I want you to be at? I'd want you to be at a good question. About 54,000 maybe 60,000. Way there. 60,000. Yeah. Which is a 5 out of 10. In real estate, one out of 10. Well, cuz you can get rid of that land and make money from it and hopefully it goes up in value. Never mind. Zero For some reason, I was thinking for a second, you know, to plot and I I was wrong. Okay, that's going to be a hammer financial score up from a.5 to a 2.5. And that is the income just strictly income uh and uh the emergency fund. So, let's celebrate those. Those are actually really well done on that. I'm happy to see the emergency fund, the retirement, and the income come in. You should be proud of those things. And uh you did make, you know, a little bit of progress on the campground. Of course, more would have been great."

"Well, if you don't follow it, then how can you even potentially try to speak on it? I'm sorry, but no. Like, this was passed into law. That is the new student loan repayment programs. Okay, this is coming. I want you to prepare your life for it because if you're adding more 0% debt, which isn't inherently a bad thing necessarily, it is conceptually driven and it will make it harder for you to make a minimum repayment on your student loans after a few months of not paying them. They will go into default and they will garnish your wages and that is not consensual"

"Um, so as far as being pushed into the position of having to return to hospital and being able to have that opportunity to discover what I can and what I can't do. Well, here's the other thing I'll say about the disability before we move on and start getting into the numbers here. You also specifically said even if you can't work this job in three years and you don't get into the job you want to get to, I don't know if we should subsidize you and pay for your life because where I just hate my job and don't want to go to work every day. Yeah. Fat. Well, I mean adults do adult things every day. You said earlier in this conversation when it comes to doing an accounting job, it's like, but I don't want to show up to a job I would absolutely hate, so we should pay for your life instead. That doesn't seem fair."

"So, I hope not to stay in hospital for over five 3 years. Um, but that doesn't mean that it's guaranteed or anything like that. It's something where I want to be able to transition to remote. Um, I'm already contacting um the remote group of my corporation cuz we have our own like virtual Vette chat um that people can call into. And so I've contacted that's all internal hires. I've contacted the manager and of that I can't think of the word group. Um, and then there's also like poison control has has remote jobs and there's the virtual Vette, you know, job thing is very hard to get into. So, that's where I'm taking that."

"So, with the 3,100 $3,165 on the campground loan divided by that 600. Yeah. Let's pay that off in about five months. And Oh, it'll be before that. I hope so. Please do. um without pulling from anywhere else. I don't know how you'd be doing that, but go ahead. I'm okay with the minimum payment to on the Subaru until it's paid off. Same with the affirm. I wouldn't stack up any more six like 0% debts. Was not playing. I really would not do it. Okay. Before the Yeah, it was a once in. And then from there, I'd save up a six-month emergency fund."