Financial Audit - Failed OF E-Girl Is A Leech | Financial Audit

Episode Date: November 1, 2024

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To watch episodes of financial audit a week earlier, check us out on YouTube. I do only... Well, things are making more sense. So what are you making now? Right now I'm... I'm making around... On a good month. Why would you not tell me that?

Why did my producers have to tell me that? It's been $1.000. It's insane. How do you do that? Unfortunately, my mother enables... Why would you do that? My mother enables you for... For f***ing purchases, I know.

Oh, for f's sake. I know. Earn that shit. Hi, my name is Bryn. I am 25 years old. I live in San Antonio, Texas, and this is Financial Audit. This is a curious thing. Oh.

Interesting. I've never, I don't usually see people dress like this. Oh. What do you do for a living? So I do only. Well, things are making more sense. Okay, now. I stream on Twitch as well.

Oh, you're a Twitch streamer. Yes. Oh, we don't really get other creators on. So very often. So this makes sense. Have you been watching the show? Oh, yeah.

I watched the show pretty religiously. So you're in the audience. And most people are. So I just want to make sure, usually when other people are on things, we want to make sure they're not here to plug anything. Actually, you're using a fake name,

so you can't anyway. So that's good. Not only that, but I haven't mentioned that once. Not my intention. I'm here for the advice. Good, good. Okay.

So what are we making from these sources? So I pool, only things is kind of trepidacious. So the reason for that is because I had some health issues recently that has like made it to where I can't do as much content as I'd like to do. Okay. But. That cut off? I had a collapsed lung and almost five.

Why? At 25? Geez, for what? I was vaping and I hit. People. Stop. With this. I've all, I've was.

Yeah. Well, we're finally starting to see consequences. Yeah. And that's the thing is. Really? The collapse. lung? It was 90% collapsed and I actually had to get a chest tube put in. What are you smoking? I now smoke cigarettes, but I was smoking. No. What? We have a collapse lying and we're smoking

cigarettes? I got permission from my pulmomologist because of the fact. Pulmologist? I can't for not. Pulmonary doctor. The person for my lungs because so I tried to quit with a nicotine patch. I actually am allergic to nicotine patches and maybe we just don't. So the problem is because we have a lapse long. Are we kidding? So that, no, that's what I was given in the hospital was the nicotine patches. Oh, great, but maybe we just don't go. Go on. Sorry, go. No, it's okay. What are you saying? So I had an allergic reaction to the nicotine patches. Can't use nicotine patches. My teeth are severely decayed due to a genetic issue. So I can't do nicotine gum. I have a specific issue where the dentine underneath my enamel gets broken down on an extremely fast rate and like it doesn't matter.

I did notice the top teeth have a couple things. Yeah, it's unavoidable. Were you going to get them just removed and replaced with fake? That's the intention, but implants are expensive. And if dental is a luxury healthcare item in this world right now. You don't do like, no, no, my brother was pathetic and I refused to not not do anything like that. As brothers tend to be. Yeah.

Well, it's just more along the lines of you learn what not to be from them. Well, I was the oldest brother, so. I'm the youngest. I wonder what they learned from me. Okay, okay. Well, either way, you're still smoking. Yes. One, bad for your teeth and your teeth that are already weaker.

Two, you have a collapse for lung. Yeah. So I was trying. What a cigarette you spoke a day? Right now I'm at about, uh, if I, on a bad day, I'll hit 10. But one, you, two, you're killing yourself. Yeah, I'm well aware. I do want to quit.

Um, but I would need to get a cessation aid. in like pill form or something like that from a general practitioner, which I don't have right now. For what? Because the nicotine patches and the nicotine gum don't work. And I get really, really bad withdrawal symptoms where I get something called backtrip and it closes my throw it up. Oh. Is there a place you can go to? Um, to manage.

So it's not so much like that. It's more along the lines of there's. So back in the day before my lung collapse when I was a teenager, because I've been, I've been smoking since I was 13 is, but you have to understand. So this is like over 10 years long addiction. I was my babysitter at the time got me hooked up to them. What is on your arms? What do we have? You're going to like I feel like there's going to be a weapon.

They are. I think the, well, I think the silver ones are jingling quite a bit, but that's okay. I can take it all. I talk about it. It's fine. It's fine. Go ahead. Continue.

But there's a pill called Chankex that at the time I wasn't given medication when my GP. I prescribed it to me then. I didn't end up. I wasn't ready to quit yet. Since my lung collapse, I'm ready to quit. I want to quit, et cetera. I just don't have the GP to prescribe me anything. How we got down this conversation is you say you can't, you can post less

some flaps due to, due to collapse long. Like, okay, so what are you making now? Right now I'm, I'm making around $200 on a good month. Okay, so you don't have a, okay. Well, you said another one of streaming. So how much are we making off that? I took a break from streaming the last several months. I know you're bad.

What are we doing here? What's the fuck you're talking about? You don't make money. What? What am I supposed to do here? You don't make any money. I'm working on time. When was the last time you made money?

Probably. Oh, for fuck's sake. It's just, it's, it's, it's a, you can be mad. Go on. There's a lot of money. Of reasons. But, um. For what?

I have a lot of health issues. Okay. Listen, I'm not saying you. need to do that as a job. I understand that. Of the health issues, do they prevent you from doing that? A lot of health issues of my health issues were preventing me from working a normal job, which is why I got into this.

Okay, what are the health issues? So I have a heart condition called Mitrovaprolop. Okay, get on disability then. And so I don't know how to do the disability. Talk to someone. Google. GPT. What? So I also have a severe anxiety when it comes to medical professionals, so the point to where

my mother ends up having to be the one to kind of help set up any type of appointment. Is she in San Antonio? I live with her. What about the boyfriend? You came here with a dude. Yeah. He's standing outside going, yeah,

he's probably got out of, I was like staring at him out of window and he's, yeah, he's going to be poutty because he can't, he's incapable. Capable? Okay, when I see your boyfriend then? What?

So that's, well, probably because you make $200 a month and you've used someone to survive. Don't use him, considering I'm the one. providing for him. How? You make $200 a month apparently, according to yourself. Well, considering he's living at my home, he moved out here from Washington.

You have a home. You're renting. Well, it's my mother's home, but still my home. When was the last time you made money was the question I asked? Probably 2022 from Twitch. What did you do? What did you do? What were you doing?

Like three grand a month. Now, why can't you stream now? It's not that I can't. I took a step back over the last several months. I had a really, really bad mental toll from the streaming because of the type of environment it was. What was the environment? It was really toxic. It was very clicky.

It was very much so people, if you can't offer the same amount of support that they're offering you, they'll turn on you type of energy. Okay. But they don't know. Whether or not another YouTuber is giving me a pen in the back doesn't mean I make videos. It's not about that. It's about the fact that what you have to understand. and is a lot of these streamers will come in and cause problems in your stream. What?

And or spread rumors around. Okay, what's your rumor? What's your allegation? Everyone has an allegation. It's 2024. Well, considering I was dating a streamer and he had lived with me for the time being because I have a bad, yeah, I make bad decisions when it comes to relationships. Please answer.

And he had decided to say that there was an ethic. S.A assault. So you assaulted him? That was his allegation. Well, what did he say you did? He said that I had kissed him while he was sleeping. But I have video evidence of him refuting that claim because he had said it to literally to me and destroy me.

And I have the video of him saying like, this was. We live in such a weird world to me, guys. This is the, this is a, I'm so, today's society is so weird. Yeah. That's why I step back though, because I don't want to have to continue to put myself through that situation to be in and to be on the receiving end of because of my own personal history. It was just like I can't mentally handle that. Okay. I don't think he's capable of a relationship. I definitely. Has no ability to advocate for himself like an adult, whatever. Okay.

All right. Cool. So that happens. I'm sure no one gave it because who would give it? Many of people did. Well, yeah, I mean, there's pearl clutches out there. But borderline stupid. Because if you had video refuting, I mean, that's more so what I'm talking about. It's if you had evidence. I have evidence in case like anything legal came of it. And that's why I have that evidence. But I'm also not going to sit there and defend myself.

Nor should you. If someone's throwing out something stupid, you shouldn't. Like, I'm not going to do that. I just chose to step away. And I just enabling people to say bad things. Um, to start back on streaming. I'm also currently working on trying to get my food handler. So how's your audience?

How's your audience? I mean, it's pretty decent. Well, they come back. I know streaming is like if you even stop for a couple days. I have some pretty lawyer loyal for you is luckily. Okay. Well, are they like, you know, like, men with money. Like that kind of, because that's sometimes right in your position.

Let's be honest here. My whole like spiel is how I interact with the game. Are you a just chat? No, no, no. I'm a gamer. Oh, okay. play video games, but I do. It's very interesting. I'm sorry. I know we haven't really jumped in a number

here, but I'm very curious. It's rare that we have another creator on here, and this is very interesting for me. Yeah, no. Hey. So, okay, and then we hope to upsell them into the OF with the I actually do not advertise my OF on my Twitch because it only makes $200 a month, so I guess we're not surprised. What's the most you made off of that in a month? Twitch or only?

OF. Only, I think I've made like $5 to $600. one month. Okay. So it's a joke. It's passive. Yeah, it's passive. Barely. It's nothing. Yeah. Okay. So pouty boyfriend? Yeah, that's a, he was my friend for a very long time. And then we kind of started like flirting and talking and all like that. I love my mother, but my mother and me sometimes get into it and my mom can be in the heat of the moment, she can be very vindictive. And so I got kicked out one night, which was fine. But at that time, I didn't have anything.

So I was like literally on the side of the road. And he made the stupid. And I appreciate him. And it's because of this that I feel indebted to him, which is why I've allowed this to continue as much as I have. He made the decision to drive down from Washington State up, down to here to pick me up to live with him. But he's living with his parents or his grandparents.

This doesn't have to do with anything. I'm so confused. And so we get down. there. I'm in an unsafe situation because his parents are or his grandparent is cutting off the Wi-Fi completely. I have no service out there. And unfortunately, I need access to be able to call. What are you going to be able to call dangerous? I need access to be able to call an ambulance or anything like that. And I did not have that because he was cutting the Wi-Fi. Um, okay. Were they cutting it to punish or was it? We're just getting rid of Wi-Fi because we

just don't need it. No, no, no. It was, it was a very manipulative because he wouldn't do something in the yard. They'd cut it for a week. Okay. Like punishment. This is so weird. Okay. I don't, what the fuck I'm talking about? Oh, this is such a mess.

You asked about him, so. I did, but it's because he came up for something. I'm forgetting. This is weird. So you make no money. I'm just trying to get a face level here. I don't make no money. I make some money.

It's just not enough of a lot. Yeah, it's not enough to die. What can you do with $200? Not much. You're living with your parents. My mother, yeah. 25. We have a boyfriend that you hate.

I don't hate him. Okay. To be clear to the entire audience, he was huffing and puffing outside. So I came in and I said, he can come to the green room and just hang out if you want. And you said, no. I'd prefer to be able to be more honest with then having him who I have consent about. You don't feel like you can be honest? Not in front of him.

What? Why? Just because there's always some level of judgment when it comes to finance. And he's very, does he make money? No. What the fuck? What? What?

Um, there's always a bit of like, so if I make any comment on, um, his financial or anything like that, it's he loses the confidence. He doesn't want to do this, et cetera. But yeah, he can like, um, literally ask me, okay, well, I don't have enough for this. Can you cover this and things like that? You should give him a little peck on the cheek in the middle of the night and if you freaks out. I'm good on that.

You don't want to touch them? Great. Yeah, we're pretty. I'm at my breaking point with him, but yeah. Are we allowed to have them on in the post show? Yeah. Will you allow that? Yeah.

Okay. Well, save that for the post show because that's this drama. And we need to get into the actual numbers. This is financial audit. Yeah. This is so. Wow. I'm just trying to establish a baseline and your baseline's confusing.

I'm just trying to just see where you are. Okay. The last couple of months have been rough because of the lung collapse. Well, maybe we're not inhaling random. Maybe we're stopping smoking. I do want to quit. Like I said. Want to.

I have to get help from a GP, which I don't have right now. Then go. And you can afford essentially free health insurance. I'm on my mom's health insurance for another year. But in a year, I lose that health insurance. Okay. Go now. It's not a year from now.

Now is not a year from now. I don't know if you know this, how the calendar works. I'm aware. Yeah. So the thing is, is with her insurance and with how everything is, there's a lot of things that are not in our insurance anymore. Okay, okay, okay. And maybe you need to get off and you need to get onto a plan for someone that makes no money.

Okay. Listen. I know. I want to establish, I'm still trying to establish a baseline, and I just have one more thing to get there, I guess. what was your last real job um i was a fraud investigator previous tell you and your health got in the way of that i was having seizures uh oh my okay then you just listen if you cannot operate because like literally your body won't allow you to then you just need to get undisciplinar it's meant for

people like that but that just feels like taking advantage of it no if you if you walk outside and have a seizure and can't survive that's different now obviously you should take a little more control of your own health by not collapsing your lungs, which was a bit of a choice on your end. Yeah, definitely a choice on my end. Even when you think you've got your finances in order, bad credit can still hold you back. Need to apply for a loan? Denied. Apartment hunting?

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lowest ones you can be on because I was working on lowering to quit actually when I collapsed my lung. How's your lung? Um, so about a month after my lung collapse, I ended up getting something called teeth syndrome, which is weird. Are you able to, how are you even here without just like disintegrating? Like, you have everything. Trust me, I'm aware. That's why I don't leave my house very often. You are pretty pale, yeah. Are you saying I'm a vampire? Okay. Um, but yeah, so I got Tate syndrome and I've been recovered from Tate syndrome for about two weeks. Tete syndrome, isn't that what you're selling on OF? Uh, yeah.

Ah, yeah. Okay. Where do you think you are on a scale of zero to two? Okay. Shared to knows. I'm well aware that I am in the- If you want your Hammer Financial Score, free link in the description below. If you want to come on here and you're not afraid to leave your house.

Uh, Calebhammer.com slash apply. We'd be happy to have you on, guys. Okay. I mean, I'm not a, yeah, I'm a little. afraid to leave my house. Look, I got here. I'm made progress. I'm San Antonio. That's a drive for you. I've made progress. No, no, no, no. Trust me. I'm someone that's not getting on plane, so it's like I can't. What am I, you know? Okay, so I also want to establish to the audience, by the way,

because we're headed into the paperwork now. Of first, half the you said were like pictures of, like you taking pictures of documents instead of just giving us a screenshot or a statement as a request, but not only that, but you had to come here and then. Mr. Jacob had to go sit down with you and get the whole documents from you to just, yeah, understand things because you're just incapable of accessing. I have access to, but there's a lot that's just paper copies is the thing. So that's why they were pictures. Uh-huh.

There's a lot of collections, and I think we're even starting with the collections, $5,836 here. Um, huh? From that's from my car. Why at 25 years old? Your car? I got repo in 20, 22. I had a predatory loan from 2020 for, um, that, that you signed. Yes, but I didn't realize how predatory it was at the time.

Tell me what's predatory. Um, the interest rate was originally high. The monthly payment was the interest rate. Monthly payment you would know. Um, I do not remember what the interest was. Oh, come on. You're telling me it's predatory. You're a little victim. So you at least give me some information that would have... So in Texas, there's a law that if you can't do your full payments, you're allowed to make partial payments. They refuse to allow me to make any partial payments. If I did not...

What's that? What's that law? What's that law? It's a law in Texas where because of the fact that it's a financial... So it's... What does it exactly state? What do you reference it? So meaning if a person cannot make a full payment, they can still make a partial pay. To what? To whatever loan.

Any loan ever? On auto's cars specifically, on auto loan specifically. They are supposed to allow you to make partial payments. And it would probably get ended to like the end of the loan. There would be late fees. There would be something. Whatever. Who knows?

You would be able to at least partially pay. Maybe I'm trying to find it. Sand tender refused to allow that. In Texas, there is no specific law that guarantees a right to make partial payments on car loans without consequences. Typically, auto loan agreements in Texas and elsewhere are binding contracts between the lender and borrower. And the terms are set by the contract usually govern whether partial payments are accepted. So what are you talking about? Where do you even find this out?

That was through my mother. Oh, thank goodness. Oh, okay. I see, I thought maybe you talked to someone that had any kind of like knowledge or background or qualifications. Buddy, I was able to figure this out in two seconds. Also, how much do you smoke? Um, not that much. I have to smoke to be able to eat and I have to smoke to be able to sleep. Okay, because you have a bit of dankness. Okay. Yeah. And we're talking, I was looking, this is from, uh, Texas.

Dot Gov and from Texas law help and from Experian. Okay. So you don't know what the fuck you're talking about. No, I did not, I guess. So why is she someone we're listening to? Well, because she birded you. I mean, that's a, not only that, but, um, right now she, she is pretty much completely taking care of. of me, which I mean, not the proudest moment of my life, but. Again, I mean, if there's certain health things, that's not necessarily a bad thing. You know, is this understanding your life. Careful, don't scratch your skin.

Your arm will fall off. Okay, so, all right. I am trying to work on getting my food handler certification so that I can do with that. Get a part-time job at a fast food place, hopefully like. I think you can get a part-time job at a fast food place without a food handler certification. No, you need the food handler certification to be able to handle any type of food or anything in the state of Texas. That's a requirement. If I was to do like cashiering or something like that, that's not necessarily where I need a food handler.

But you have to have a food handler's to be around any type of food. That is a requirement. Most jobs sometimes will provide you with it. But it is easy. Well, I mean, that's probably it then. It's probably just that show through on training or on. Oh, onboard. Okay, well, that's different. But, why aren't you doing that then?

Because that's different than, because what I'm picturing is like you going to this whole extensive process just to drop some fries in a friar. This is just something you go through the onboarding process. Because of my health, my mom is very trepidacious to let me do any work. Okay. Mom, you're 25. And on the one hand, it's like, yeah, I do understand that logic, but she's also providing for me. So I don't want to. Yeah, there is that part.

horse in the mouth and do something against her. And then I'm not able to do the job that I would like to be able to do and fuck myself. My mom does enable a lot of things is what you have to understand. Like, I mean, even if you look at my fan, you'll see, like, I have a, I do spend a little bit for the dopamine hit and I try not to. But I've definitely gotten better over the years, but I'm definitely not where I should be. And she helps with that.

She enables that, you know, it's if I. This became mandatory in 2016. and so it's actually relatively new. But yeah, you get this usually through the onboarding process. So that's different. So I haven't gotten called for any interviews or anything like that. Okay, show me your resume. On my phone or on the laptop or what?

Phone's fine. Phone's fine. Those things are staring at me. My gosh. I'm sorry. I told you. Just trying to look at, no. numbers here. Okay, so a car that got

repaled. What was the car? And you was predatory, you're a victim. You can't give me any information on how. So and then you didn't understand the law. Okay. Listen, you're working at food service. We don't need two pages on a resume. A two page resume for f***ic. Come on. Like that's step number

one. Step number two, don't use a Android. That's a magnet. You can pop it out of the case if you need to. Oh, no, no, no, no, no. Please don't do that. I need do that. I don't know what's happening. Hold on. I can just take it out of the case for I just want to look at this like a normal damned advice. I'm sorry.

I have to have the magnet on it. I'm going to get cancer from touching this phone. God, no. So I have the magnet on there so I can be able to hook it up to any type of metal for content creation purposes. Okay, fraud investigator, 2018 to current. That should be current. I update that.

Okay, cashier customer service March 2018 to March 2018. I don't think we put that out of a resume because no one, well, why would want to hire you showing. A lot of jobs require at least three years. Sure. Sure. But just don't put that on a resume. You showed that you worked at one place for less than a month. I wouldn't hire you. Fair enough. It's showing that, okay, I'm giving you, I want to give you actual, like, feedback here. Uh, okay, and that's Walmart. Yeah. Cash year at Waterberger, 2017, May, 2017, to October 2017. Again, that just looks bad. Cashier at Popeye is from March 2017 to May 2017.

I know why you're not getting hired. It shows like you... When I was in high school. I don't give a fuck. It shows that you do not stay anywhere. Waitress from August 2016 to December 2016. Arby's November 2016 to November 2016. So I think that my... What are we doing? That my dates are messed up to be fair because...

Okay, maybe look at your resume before you submit it. What are we? So this is just one of the ones that I grab from my drive. I don't necessarily. Also, the write-ups for these. I mean, come on. Girl! Girl!

What? Your write-up for the Waterburger job and Walmart job are a copy and paste. Some of them are, yeah. Because they are pretty much the same job. Maybe not Walmart. But do you not understand? There are slight differences. Not in those two, but in the Arby's there are a slight difference.

Yeah. So that's what I mean when I say. This is the worst resume I've ever seen in my life. I, okay. I think that's a bit of a stretch. No, no, no. It's not. I haven't.

I haven't. Okay, maybe you have, I haven't. Don't take inspiration from them. Also, your real name's crazy. Yeah. Make sure it's bleeped if it can be seen on screen, but that is a wild name. Is that your real name? Legal name.

What kind of house do you come from? I'm not a job. judgment. I'm Japanese and American. Explains the anime. I guess. Okay. Look.

They're great. I don't know what you're talking about. Trust me. I got them. You know, hey, everybody loves a nice set. That's why everyone subscribes.

That's horrible. Listen, this resume is trash. One, it's a service-based resume. It does not need to be two pages. Three, it's just copy and pasted.

Four, wait, did I skip two? Four, it is just showing that you don't stick at a place. At that point, just honestly, lie. I mean, don't. But, like, are you kidding me? I am not surprised.

That's his current was supposed to be until 2021. I was there for three years. I don't care. That's a resume. I'm not surprised. You're not getting any callbacks. That is horrendous. Do not show the jobs that you worked out for a month,

barely even show the job. I would just tweak. I don't know. And two pages. Okay, so this car got repoed. You can't explain how it was predatory, but it was predatory because it was a bad interest rate, which everyone's on this show is. No, no. When I first got the car, it was in a situation.

So this was right when I was starting the CBE job again. So I had a job with them. I ended up having to leave due to some of the, I have an ND. I have an NDA. I can't discuss what I left and things like that and why I got hired back. But it's all because of an NDA and things like that. And when I was going back, I needed a way to transport to work. This was right before COVID hit.

And I was working in New Bromfowles and I live in University. That's a 45 minute and there is no bus lines. Okay. That's where we get a different job. Serving coffee, doing anything. Listen, you've worked a water burger and Arby's. I work. Guys, for a few weeks.

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How to negotiate your debt and frankly, negotiate any type of payment with anyone. We'll also go over how to curb those. psychological and overspending issues that keep you from living your dream life. This includes 10 tools that you can use to quicken your debt journey. Check it out, guys. Limited time only. Link in the description below. I literally, the reason I have an NDA, I fought for this job.

I wasn't going to give up on this job. Okay, but also give up on it because you literally couldn't make it work. And sometimes we have to make sacrifices in life to survive. Even though it was slightly predatory and I was aware that it was slightly predatory, I thought I could handle it. It wasn't until after. What was your monthly payment again? 625.

Hi, you signed it. Okay. What was the car? It was a 2020 Outlander Sport. So it's repo. They sold it. Okay. You're remaining is 5,836 and you allowed that to go to collections?

Yes. You didn't get on a different payment plan with them. So this is in collections. Yeah. Okay. Let's keep going. So the reason it was in collections because we were going to dispute it, but. Dispute it.

Why would you dispute it? How would you dispute it? How are you going to win? Because you thought there was a law that didn't exist. And that's the point out of it. Yeah, that would have worked really well. Okay. This must be collections.

This is a picture. You took. Definitely collections. Okay. Original Crider, Citibank. City Bank. What did you have a city bank? I don't think it was Citibank.

I think that's just what it's under, but it should be capital one. Best Buy. Oh, no, Best Buy. That would make sense to have two. Those are the two. And this is in collections? Yes. I was in a pretty nasty relationship.

And it seems to be a common occurrence. But this one, when I say at a certain point, when does it? This was abusive. This was like domestic violence. Well, that's bad. So unfortunately, that's when a lot of this actually happened with the finances getting hit so hard was when I was in that relationship. And I kind of ended up. Don't set me up like that.

I can't make jokes like that. You can't say the finances hit you hard. You can't. Stop that. Just stop. You can't. I can't make jokes like that online. But I can.

Twitter freaks out. It happened to me. I can make the joke. Okay. for me. You know? Okay. So the interesting thing about this is there are payment plans.

You've just not. I just, I haven't done anything with it yet because I'm not making enough to really understand. Well, you make $200 a month. And none of these payment plans are even considered. So there's the one, you make a single payment of $2,612 and they'll save you $653. So 12 payments of $23, and they'll save you $470. And that'll pay you.

368 what I wouldn't be able to do that logically of course not but we'll write down but I want to be able to 1696 we'll write down that as the hope okay yeah fair enough that's fair okay let's see capital one I'm guessing capital one yeah that one was also in collections I'm assuming yeah also from when I was with my X and the super bad one or the other less bad ones the super super bad one. Oh, super, super, super, okay. $657.87.82. You could do payments of $84.80 on this. Also really high. Well, yeah. I mean, but honestly, to the median person, even those, you know, make it under like $30,000 a year, the $84 isn't insignificant, but we could budget it in. You just make nothing. Yeah. And that's what I need to start working on. Well, so one thing we should do, It obviously is...

Fix the resume. Oh, yeah. I definitely do that. One thing is go through course career is like free course thing where it just kind of connects you with what I thinks would be best for your career. And then we'll gift you the full course, whatever you end up going through. So you can get an additional certification. Okay.

So go through that. You get that for free. Also, never open a credit card again. Yeah, no, I don't plan on it. So that's the thing. Use something like the FIS card, a debit card. Almost everything. All of them.

my debt is now in collections because for the past two years, I have not touched my credit. I have not opened an account and touched a credit card or doing anything like that. I did take out a fig loan, I think maybe just under two years. What were you getting? Fig loan. It's a personal payment loan. Okay. But that was like if it was within the two years, it was right when the two years is.

You know there's gold on your cheeks, right? Yeah. Okay. It's highlighter. You took highlighters to your face? Oh, no, not like actual. It's a makeup product. The woman will understand.

Lindsay, do you understand? I do. Thank you. Exactly. Listen. It's not for your. It's not for me. That's fine.

Not for the camera either, is it? Look, I sparkle like a diamond. I don't know what you're talking about. That's the closest you'll ever get to affording one. So what is this? Oh, it's a vet thing? Yeah. Oh, what happened?

Chewy ended up getting a hold of a rope toy. What's Chewy? Chewy's my dog. Okay. I have two dogs from that abusive relationship. We got them together and he was not just hurting me, but hurting them too. Kill that guy. I will go fucking right now.

And so I kept both of them so that they would be safe. But unfortunately, because of where I am financially, it's very hard to take care of them. And so. Yeah, yeah, yeah. Yeah, it's hard. He ended up getting something stuck in his intense intestine. Oh, yeah. 10 inches of his intestine had to be surgically removed.

Was he with us? He's still with us. Okay, so we're good. Yeah, just happened to my dog as well. Your bill was a lot cheaper than mine. That's, so this is now what it is, but it was higher. What was it? I was making payments on it and I was doing good.

How much was it? It was like 13, 1400. Wow. Mine was 32,000. Yeah, no. That was my cat. close to me when my cat would have been. Wait, this was your cat?

That I have another vet bill that from the previous that I have a care credit for. Honestly, honestly today, it just honest, I'll put this out there. If we can't afford pet insurance. Yeah. Because pets always try to kill themselves, we can't afford pets. My cat's that cat that I had the open the care credit for. Okay. Actually no longer with us.

Okay. I'm sorry. November of 2020. How old is she? Close to 12. She was up there in age. I'm sorry. That's hard.

It definitely is. So you owe for the dog intestine that. Why was yours so cheap compared to mine? I'm so curious. That was the surgery and everything? Because they really, really liked my dog. I guess I should have. They liked my dog too.

No, they love my dog. I should have cry. They love my dog too. Maybe I should have cried. Actually, I did cry. Yeah. It's a scary situation when you're about a little pet. They just didn't like me.

Wait till you find out I have another cat and a bunny too. Why are you getting pets? You can't afford pets as it's selfish of you. Okay, the bunny. The cut was gotten again two years ago, right? A little bit before lithium. Okay. And.

Are you got a payment plan with these guys? I was. I'm no longer on that payment plan. Is this collections? Or is this just what you owe? Wait, what was the payment plan? It was 150 a month. Okay.

Oh my gosh. No offense. It sucks that. It sucks that it's a, it is kind of, you know, it sucks. Yeah, that one was my own stupidity. I didn't realize. Reality is you just can't afford toll roads. Yeah.

That was, if you look at the, the funny thing about the charges is the charges were ironically made in like 2020, 2019. Why is that ironic? Because it's been that long and I don't like, I haven't driven since 2022 since my car I boat. I don't drive. So this was before even that. Okay. And it's just literally 60 bucks. And if you look at the actual amounts, you'll notice that I only owed like a dollar, less than $2. And it somehow got up to that because of the past two fees. They don't play around. Those toll roads don't play.

Yeah, and you can't afford to take them. Sorry. I know in some place in the country, it's like, oh, I can't take a toll roads. It's going to suck. But a lot of times in Texas, you can get around. Huh? That's the start of my medical. That's not even the full extent of them. Because I didn't get some of them until after I'd already sent them out. 107 bucks.

I have a 4,000 something medical one. Okay, but this is 107? Yeah, that one's 107. I have a $500 one. Payment plan with this? We haven't even started. This was from August. This was from my lung.

My lung collapsing. Okay. So that's just now hitting. That's a bit scary. How do you think your lungs feel on a daily basis when you put 10 cigarettes into them? Yeah. Want to quit working on it. One of the biggest questions I get asked is where can I find expert advice about your money that's customized to you?

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and I can't recommend it enough. If you're serious about ditching your bad money habits, check out Domainmoney.com slash Caleb or click the link in the description to book your free session. You and I both deserve an actual expert to guide you. So get started at Domainmoney.com or click the link below to get started today and take control of your financial future. Oh, this is credit karma. Let's see. Oh, what is this $27,118? What is this?

That might be my car or I don't know. What car? Where do you? We went through your car. It was 5,836. I don't know what that one's from. What do you mean? It's $27,180.

I've never spent that. much. So I don't understand where that could be coming from. Maybe the original balance of the car before they sold it off? I think so. So 75 month term you took out. That's insane. That sounds like my car, the 75 month term. Yeah.

Yeah, you got off easy. They're sane. Sounds like. Yeah, I definitely. Because they were able to sell for a decent value probably because when they repoed it, yeah, the car market was still a bit more wild. Not that it's fully recovered, but you got lucky. In my application, I definitely thought it was a lot high.

Explain your monthly payment. That was a lot higher than it was. And the fact that it's as low as it is, like, oh, okay. It's not as bad as I thought it was. But I also am not going to be unrealistic and underestimate the damage that I've done to my life. So you haven't driven since 2022. I've been getting around. My mother or my boyfriend.

So the only reason you're with him right now is because you kind of need him. Like, be honest. It's not the only reason. I do care about him. I do love him. It's just, I, are you breaking up with him? I most likely will be if he does he know this?

Yeah, he's well aware. He just refuses to accept it. Unless he does what? Unless he can step up and. Well, do you think he's going to be a or come onto the camera in the post show? That, yeah, we'll see about that. He's kind of, I don't want to say that. How does he feel about you doing all that?

He doesn't care. Lying for people. He does not care. Which is ironic. Is he a part of it ever? Yeah, we have some contents on me. Every time. Lots of OFers on this show recently.

Yeah, it's a, it's a easy passive income. Everyone's doing the OF these days. It's easy passive income. That's what you have to understand. Give me to 10 million subscribers and I'll post my asshole online, guys. Oh my God. I mean, I don't even. They call it the hammer hole.

I might just make a few extra accounts and just mass up to help you, you know? And my tagline is, Any hole will do. Oh, God. I, you're gutsier than I am. I'm proud of you. What can I say? I'm brave.

Oh, brave souls. This is a finance show. FIG loans, LLC. Yeah, that's that payday loan type thing. She got a payday loan. This was a couple, this was like, What were you taking a payday for?

That was, at the time, it was used for something that I need for contact and creation. I don't even remember what it was. What? I mean. technically those would be non-taxable. Just saying. No, no, no. What did you actually get?

I literally do. Oh, come on. Best guys. Two years ago. I'm going to. It was probably. If I took it out of a payday loan, I'd know what I took out of payday loan for. It wasn't a payday loan, though.

It's, that's just, though. It was like, you know how cash up does the borrowing system? Oh, good. To that. What did you get? Come on. I believe, I'm pretty sure it was either some lighting for my, stream and I think a monitor.

I don't know if it covered all of that, but I know it helped me cover for it, which I needed at a time for my content. Okay. This is just... Yeah. For fuck sake.

This balance is huge. What is this for $5,836? That's probably what I owe on the car. Okay. So I got... Okay. I just got two different looks into that. Okay.

portfolio recovery let's see did i do this one yet 568 what was this for if you look it says sand tender consumer which was my auto loan that's some type of extra thing from my auto loan i don't know where that's coming from it looks close to what your payments were yeah i don't even know what i owe on my car at this point because it's so all over the place is there anything else is there any other debt is there any other other than the new debt from my lung collapse no Huh? From your what? From the lung collapse? Oh, how much was that?

I know one of the bills was like $4,400 something. One of the bills was $500 and something. And then I have like $2 or $300 bills. Well, how many of those $200? No, I'm saying the quantity, two or three and the amount $100 bills. I'll say three. We'll be safe. And no payment plans you've never discussed?

Not currently because it literally just happened. In August. you said that's not just so in august it's when it happened but we didn't get the bills until just now like i can pull it out and you can see like i literally just got the bill type thing what else because i feel like i'm i you don't know your situation so i feel like i have to be missing stuff the only thing that i'm missing is um the care credit that i used on my cap before she passed and that's that collections and um at the time i want to say it was like 1600 For fussy.

Have you ever paid a bell in your life? I was. Everything's in collections. Everything is now in collections. But when I first initially got it, I was keeping up with everything. It wasn't until after I'd lost my job in December of 2021 due to my health, that I stopped being able to take care of everything. And I've just kind of.

Jiggly. Not those. The these. They're just really loud. I hope it's not being picked up in the audio too much. Try to hold still. Yes, that's what I'm trying to do. It wasn't until after I lost the job.

due to health reasons that everything just kind of took a toll. And to be fair, it is on me entirely, and I understand that. But there was a point in time where it was just like, I didn't, I didn't know what to do. And it was just clearly existing. What can we do with you going forward? And that's the thing. What's the thing? What's the, okay.

All right. All right. Well, we have a checking account. So you don't think there's any other debt? I didn't, I didn't. Is checking accounts are, huh? I don't think there's any, like, debt. I don't think.

I do do a little of spending, but I don't think there's any more debt. Yeah, you're spending is insane and we're about to get into that. It's ridiculous. I don't know how much you think you spent in the last month. $200 came in. I do not even want to. Come on. How much should you spend?

Probably like $500 to $600. I want to say that. It's been $1,000. That's insane. How do you do that if you make $200? Yeah. No, that's not a question or an answer. Mine is a question.

What would you answer to it? How do I do that? Unfortunately, my mother enables me. Why would you do that? Your mother enables you? You're going to blame my mama? No, I'm not blaming it out in her. What did you just say she enables you?

She does enable me. It's my choice. Go on. What is it? What does it look like? What does it look like? In any way she performs, it's like, okay, hey, I would like to get this thing for my game or whatever. And she's like, okay, and she'll just send it.

But that doesn't make sense because not enough money came in to do the $1,000. He had Zelda in 500. Then Phoenix. You know what that is now. Unfortunately, I've learned. 126. That's usually the OF. Yeah, that's O.F.

And cashed up 127 in. So, 552 came in. Only 126 was earned. Okay, great. But even still, if mom was sending that 500, 1,038 was spent. I'm trying to figure out where, why my mother sent me 500.

Well, I don't know. Zell in total was $4.99. That, I think that's over time, though. I don't think that's like one month. Yeah. Yeah, I'm saying within the month. Yeah. So that's how my mother sends me any money.

I know. Okay. But you're saying she's enabling if you want something, she'll pay for it. It's not explaining how $300 more was spent than came in. That shouldn't be the case. It is the case. I zero. Nope.

The cash app LLC is where the difference came from. Oh, we were cash up borrowing for a little bit there. A little bit there as in like it just happened. Yeah. A little bit there. How do you not know that? Why would you not tell me that? Why did my producers have to tell me that?

How do you not know that? I do know that. When I'm asking you how that difference is, I didn't understand that's where that. I didn't understand that's where the difference was. How? How do you not know you're just basic shit? What do you mean?

Stop cooking the tour. Code through our deck class. Go through our budgeting class. Go through our investing class. That's not even part of this conversation. Especially the budgeting and the debt class, you need to go through them immediately. You get them for free by being someone on the show, but being a guest on the show. You guys get them at a discount right now, link in the description.

But make sure you go through them. Take the education. Make sure you're actually learning. You need to go through it on your own. Because I call out this stuff here. We'll do a makeshift budget and some suggestions. But you need to do the actionable steps on your own or else nothing's going to be done. Ever.

I've kind of been at a point where it's just like I'm kind of just existing. And that's the whole point of me wanting to do this. I don't want to do that anymore. I don't even know if you're existing, dude. Zell money cents. Who are you zelling? $38 to and $4? And then another $25.

Who are you zelling? That would be whatever change my mother gives me. I would send back whatever I don't need. So she sent you a sh** on that. She'll send me some and then I'll send whatever. changes back. That's how it works. It's about safety. Blizzard? Oh, yeah. That's the game. Oh, Blizzard entertainment. Like I said, I do have a bit of a problem with, I'm, I'm, I'm better at that, well, than I was. Huh? What are you getting? It's cosmetics or

Oh, for f***ing purchases. Oh, for sake. I know. Earn that shit. I know. Why do you do it? Because, I know. So a lot of what I spent on the games, I take that. out of my only money and everything else. Well, you don't make only. You have to be immediately spending more. Also, how do you buy? Yeah. So because of the medical expense of it, my mother actually is the one who covers it.

How do you buy it? So it depends on the circumstance. Most of the time, I get it just through regular people. Dealers. I'd prefer not to use that word, but yes. Well, that's what they are. Or they do have dispensaries now. And so I have been lately been able to go and get a...

How are you paying the dealers? Typically through cash up. Okay. So it's not just giving your mom money back. But if it's through Zale, that's through my mom only. If it's the cash-up. Is that the Texas version? Zale?

Zell. So what you... I'm going to jail you later. Look, I got an accent. I can't help it. Okay. Well, only for. a couple seconds. Yes, I try and hide it. I do a very good job, mind you. Oh, come on.

People in Texas don't even like have accents. Um, you ain't been to my part of Texas then. All right, calm then. The teeth are starting to line up with the accent. Don't do that. Okay. Sorry, that was rude. That was rude. That was rude. Sorry. I'm just, I'm a natural, roaster. I'm sorry. I try with the game. I have gotten better with it. I used to be really, really bad because there, so I got really into a game. Um, but what are you saying? With my game. Bad at the game or you're purchasing. The purchasing.

I used to be even worse than I currently am. I've toned it down a lot because there's this game called Genshin. It's a gotcha game and it's like gambling in game. And it's bad. Yeah, it's a day. How often are we doing that? I don't do it anymore. I'm completely free to play now.

Except for like five. Except for the things we're already called out. No, I just get the battle pass. Kindle United. We know people that accent aren't reading. I actually read. Thank you. Go to the library.

You live in San Antonio. I know they have libraries. Different branches go. It's free. With what transportation? Bus. I know you can get there in San Antonio. Except for the fact that I live in a part of San Antonio that does not have bus routes like that.

Not a single bus. Not a single bus. Not one, two, two. The closest bus is two and a half miles away from me. Sounds like you'll get skinnier. Considering my help, I can't. Or have your, you know, the boyfriend that essentially depends on you and does nothing all day, maybe he can take you to the library like he took you here.

Yeah. He definitely needs to pull his weight on some things. Uh-huh. and then you can reward to make a video out of it and make money. There you go. There's lots of... It's a joke.

This is a very gooning episode. Usually we save this kind of goonage for the post show. So all you non-post-show people you're getting a little taste in just the insanity that is typically in the post-show. Look, we have fun. It's a good time.

All right, all right. I don't even hear about it. I don't want to picture it. Zellin out $42, dollars cash happening out 80 cash happening out 21 cash happening out 54 dollars and two cents cash happening out 45 dollars i do love the assumption but no the $80 one was the only one for that what was the rest it could have been for food gas what food why you get food because what gas so because of the condition of the house there's a lot of times where we don't the house was wrong with the house

now so the house is in pretty bad shape um there's a lot why are we listening to our mom for advice if Because she's the only person I have to get me. That's not true. You can email us now. Now, but previous to this. Let me read it in chat GPT and Google. And I try to like do my own research on things, but it gets really confusing when you have so many people counter.

It does. Honestly, we've had lots of. That's why honestly, that's why we built our debt and budgeting and investing program. People are like, you know, why would we spend like 97 bucks on it when everything's free online? It gets so convoluted. People immediately contradict. You don't know what is accurate.

So that's why we put it home home place. And that's kind of why I just trust my mom blindly. Okay, well, don't because obviously not. So what's wrong with the house? So there's raccoons that have chewed in through the roof. Good. Is this rented? No, it's a owned house.

My mom paid a mortgage on it for several years. And she just recently. This is a home home, two-story, in a gated community home. Like HOA? Yeah. I don't think they're going to be happy. No, they're not. Let it be known.

But there's a hole on the roof that unfortunately is allowing, like, black mold to grow and things like that. Where is the insurance? She doesn't cover a critter. Does she have a mortgage so? She doesn't. She just finished her mortgage like a year or two ago. Well, good for her. But usually someone like her probably needs a mortgage because the forces her to have insurance.

Why doesn't she have insurance? Why would you trust someone that doesn't have insurance on their property? Also, the critter wouldn't. It usually doesn't cover critter type damage like that, but mold. When she got in the house, it was with my father. My father went to prison when I was in three years. Oh my gosh. Do you have anyone good in your life?

Listen, we have the abusive relationship, which sucks. And there's, you know, I'm really sorry. That's horrible. Then brother with the, you know, crystal thing. Dad went to jail. Mom, who's not getting insurance. There's issues with there if you need it. So is there anyone that you're able to lean on at all?

Not really. Sorry. It's really hard. Oh, that's really hard. You know, we're just looking at where life is. And that is a very natural emotion to have from just the reality of how life has been for you. And it sounds like it has been very difficult, which is not a lot of people to lean on. You know, that's very, very hard.

Yeah. Sorry. And I know it doesn't. I know I'm not doing enough and I want to do more. I just don't know where to start. start. And any time I try and get answers, it's always so confusing. And I don't, I don't want to be like this.

And I don't want to live off my mom. And I don't want to be enabled. And I want to take responsibility for the things that I'm doing wrong. Because it is, it is my choices. And it is my bad decisions that have gotten me here. And I understand that. But it's also like, how do I get myself out of this? Yeah.

No, it's okay. You need a tissue? I'm good. I just need to. you're okay. I just get to have water. No, you're,

so it's okay. I get it. That's really, that. Coming from a place where there's this, you know, no support, no help,

and even just getting incorrect information, that makes it so much harder. That makes it so much harder. And it's not, I'm not saying none of it. It's a lot of it's my fault. Yes. We don't want to immediately,

you know, responsibility for anything. No, of course not. Like, at the end of the day, I've made these choices, and at the end of the day, these choices were made by me. Even if they were contributed by outside factors, they were still my choices. And I understand that. When we're stopping at H.E.B. in 7-E.B., and 7-Eleven, we're getting like a dollar purchases, $7,000 purchase, and $9 purchase. What are they?

They probably sound like packs of cigarettes. The $9 purchases are probably the packs of cigarettes. As far as, like, $1 or $7, those are probably, like, caffeine or something like that because I have a really bad caffeine addiction. Well, that's okay. brew coffee. I have a caffeine addiction too. Brew beans. They are cheap for me to... Huh? I've always been

under the impression that coffee's more expensive than... Really? Well, let's use this as a learning lesson. It's not. Go get Mr. Coffee. They're just even Folgers. It tastes like death. But it's like you can at least get that to feel

that you're shit, dude. Yeah. I've slowly tried to get off of the caffeine, but whenever I do get off caffeine, I get really violently sick. Listen, I, so. How much do you? How many milligrams of caffeine do you consume a day? What the fuck?

I drink like an eight, like sometimes like I can go through a 12 pack of cola in a day. Um, and that's probably just like cans. Are we talking cans? It's probably like 800 milligrams, right? Wouldn't that be about something, somewhere around there? What are they like 70 age or something? And that's not a lot. That's a lot.

And that's also really, you know, we're talking. about, I know that's not fully your control. Yeah, but that's horrible for your teeth. Exactly. I feel like you're exasperating your issues. So when we finally figured out what was going on with my teeth, they were so far gone. It just got to the point to where it's just like, I don't even care anymore. Like there is so.

Shouldn't you though? Shouldn't you want to maintain until you're able to afford replacements? Yes, but the dentist is also like, like there isn't anything that can be done to. So what are you going to do? Does it hurt? Oh, yeah. It's extremely pitful. I can't eat most things.

I have to stick to mainly soft food. Is it radiating throughout? It radiates from. Like right now? So pretty much I have a hole in between the last two teeth here and anything that, like, is saliva or anything that goes into it will shoot a shooting pain up to here. And then, like temporary or is just? No, it's consistent throbbing, like, sensation.

All time. Yeah. And then clove oil is really the only thing that helps and that's in leic. What kind of dental insurance do we have through mom? I know nothing about my medical stuff. Oh, come on. Ask. I have severe trauma for medical stuff.

I've been almost bled out by medical staff and things like that. Okay, but you can ask if you have insurance. We do have insurance. I just don't know what the insurance is. And the trauma that probably sucks. Use the health insurance and get therapy. Except for the fact that I've been turned away by over 30 therapists. Okay.

Go to the 31st. I don't know. Like turned away for what? I get discouraged after a little bit. I get that. I have diagnosed BPD, PTSD, RFID, anxiety and anger issues. That was diagnosed by a medical professional.

Why have you been turned away by therapists? Most therapists, the response I get is, while I could maybe help you with this issue or this issue, because of all of the issues that you have, they're too encompassing and I would not be able to do it. Okay, maybe you need to try some online options because you just get put into a bigger pool. My insurance will cover most of my thing.

Yeah, they don't cover a lot of online stuff, but there are things like, I think, Sondermind, Sondermind. I would love to look into it because I would love to get the therapy. Because, listen. All the progress I've made on my mental health is completely. I have anxiety of needles. And I actually, I have a cavity here and a root canal here that needs to be done. And it has been, I've put it off because of that.

And that's just like, at a certain point, this is, I'm saying this as someone who's that up myself. If I was having endless throbbing pain, I feel like I would just like, put me under and do it. Because like, how do you survive with that? Luckily, I don't. We all know the markets have been wild lately. Up one day, down the next, rates being cut. It can feel impossible to stay on top of the latest financial news that informs your investing decisions. And I'll admit it, even sometimes I feel a little lost.

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bill. So I have to be put under for any type of like procedure I do because I get very volatile, which will give you a big bill afterwards. But again, they will still do it in an emergency room. Okay. I don't, I don't know anything about that. They will pull teeth in emergency rooms. But then I'd be left with no teeth. Yes, but we could get like dentures or something. It would be expensive, but we can talk about options away. I literally, so the plan is to pull all my teeth and get implants. Yeah. Now that's incredibly expensive. And, They are working on getting us on payment plans and things like that. It's just a matter of time and getting enough to be able to.

Would you qualify? My mom would. So I have a year to get this done. My main focus is my teeth for the next year. While I still can't. And so you asked me earlier why I stay with him because at the end of the day, because of my inability to work and because my refusal to be on disability, unless I get married, I won't have insurance.

So it is because of that. It's not because you even... I do care about him and I do love him. Sure, care and love, but do you even enjoy his presence? I do enjoy his presence. Okay, I'm very confused on your relationship because you were giving me very different vibes before. He is not a logical or safe long-term partner. He does not have his shit together in any way or form.

We need to bring this guy in. Yeah. Good luck with him. Well, he'll come into the room, right, whether or not he's filmed. And then I can just give him a rundown. I never want to pressure anyone to be on camera. So I'll just give him the rundown if he doesn't want to. he doesn't want to. That's fine.

Because he's... It's a four kings bakery. That's great. That's great. $7. Basically all the money to our life. Cash app and out. Cash app and out. 7-Eleven. Getting our energy drinks. Cash-haping. Even if we're buying energy drinks from the grocery store, it's still more, like, price efficient in bulk from Sam's Club or something. Come on.

Costco. Cash-happing out. Steam games, great. Steam games, cash-in-up. QT inside. We got some energy drink. Cash out. Cash-up. What? No, I just find it funny how you assume that that's all that. That's not what it's all is.

What, or it's more food or it's more bullshit. It's just, it is bullshit. But I just. QT inside. No, that wouldn't have made sense. But maybe if it's a cigarette's, uh, short max watch. Oh, that's a little, uh, so. You don't have money.

What is it? It's an app on your phone. You don't have money. You don't have money. You don't have money. When I was bed written and I was bedridden and I, couldn't do anything. YouTube's free.

And there's literally endless content. Yeah, I do have YouTube premium. And I recently learned that I could watch that. That's why I don't have any more of those on my thing from that point. But, uh, for that, dude. Yeah.

I learned that after that. Surprisingly not an overdraft fee this year. No, never. I don't get over-draft fees. Yeah, but, well,

it's because you're borrowing from cash app. So that's how you make up the extras. No, I don't get any overdraft fee. I know. And it's because you borrow from cash out. No, no, no, no. Like my bank does not do overdrafties.

That's what I'm trying to get you to understand. Okay. So here's cash app. More Blizzard, Greg, and Kong sphere and Hulu. Come on, guys. More cash app out. I need to cancel my Hulu. Yes, you need to cancel everything.

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yeah we could have the conversation but you literally have no money and I understand that but I'm not giving that one up like I will work on everything I need okay well we go to Vave City we get our energy drinks mama Margie's taco shop I would do want to make a point of the cash app card is used by both me and him right now he will inside and gelato shop. Come on. To the cash-all card and use it. When it's I got some energy drinks. When inside I got some energy drink. Cash app out. Cash app out.

What a fuck. What a joke. Steam games. And why a lot of people don't like the no-income people on the show? And I agree with them on this. And I know you applied a while ago and kind of before we put that policy in. It was just like, how do I make you a budget after this? Yeah. Steam game, Taco Shop, Steam game. When inside, but then again, there are a lot of people that don't have jobs. And they, so it's not like, it's not 100% fair that we never featured the situation because there are going to be people that relate to you, especially with medical issues and stuff.

When inside got some energy drinks, when inside got some energy drinks. That's just why I choose not to do discipline. Uno drops. Uno drops from Capital One bank to Uno drops from Capital One bank. 75 bucks. I don't know. Maybe his payment being sent. So you're paying for Snapchat and twice, $1, $1,7.

cent Snapchat stuff. That was to restore my Snapchat streak. Your Snapchat streak. This is the most insane. I don't know what to do here, my dude. $1,000. You made no money.

And even though the stuff that mom gave you is only like $500. So like what the fuck? Yeah, it's in bad shape. But I know it is. Now, obviously, yes, mom's insurance will cover some, but most dental insurance is crap. So what is that even going to cover? Like, how much is going to have to be paid still? So last time we talked about the implants.

Implants are going to cost in total around 4,000. And I would need to put a minimum payment of like $6,000 to be able to do anything with my teeth. I have a... How are we going to? What's the payment plan? I have a motorcycle that I'm working on trying to sell. What? Huh?

What are you talking about? Motorcycle? I don't know about a motorcycle. Well, because it's not like in any way, ship or from affecting my credit or anything like that. It's completely owned. I like, what's it worth? It's like three,

it's probably like $3,500. And I'm working on trying to sell that right now. It's just I haven't had an interest in buyers on it. I don't write it. I don't drive it. I don't even have insurance on it currently. Like, I'm literally just trying to get rid of it.

So how do I make you a budget? What? I'm just trying to figure out. So my thing is, the last couple months because of my lung collapse and because of the health issues that I had, that's why a lot of my income drops on. average, I do make about $500.

You think you're going to be work at a place like McDonald's $500 to still nothing. I can't make a budget off $1,000. Alone. And then I plan on also on top of. How do you get this job with all this health stuff? Dude, you have a stroke when you step outside. When the sun touches your skin, you get cancer. It's that or disability.

And I don't want to be one of those people who take advantage. I agree. Well, first of all, hold on. Hold on. Taking advantage are people who are taking advantage. If you are literally incapable of surviving because your body is broken? That is not taking advantage. People who are unemployment because they get laid off are not taking advantage of unemployment. They pay taxes into that program and then they have that.

But someone who sits on it forever and never applies for jobs and all these things, you know, they do just the bare minimum required to stay on. That's taking advantage. You're not necessarily taking advantage if you walk outside and limbs start, you know, falling off, okay? It's not that quite that eccentric yet. Well, okay. But you, It's close, but, you know. You literally had seizures trying to work. I was putting in a 115 hour weeks. Okay, well, obviously we're not doing that.

That's ridiculous. That's ridiculous for a normal person. I was trying to get out of the situation. Well, and you put yourself in a worse one. So there is a certain thing. And also, I mean, what's the difference? You're between taking advantage of the government program versus taking advantage of your mom right now.

Someone who can't afford to patch a thing on the roof. Yeah. It's not intentionally. trying to take advantage of her, but I can see it in a similar way. I didn't say I don't view it in a similar way. I say it's not intentionally trying to take advantage of her, but I can see how that has become the situation. You think you can work at McDonald's for 40 hours a week.

You think you could do that. I could do 25 to 30 math. Okay. Now, here's the conversation when it comes to disability then. It's not like disabilities that looks, it's a lifestyle by any means. And again, we're not talking about taking advantage. But 25 to 30 hours at McDonald's or a place like that, you're never going to be able to

survive off of that. Yeah. Like, it's a good way to start. getting ahead a little. Yes, it's the step in the right direction. You'll, you're, unless you can work 40 hours somewhere, you're never going to have a career. I will never be able to work 40 hours with my health, though. And what about sitting down customer service, remotely? That's what I was doing when I was having my seizures and I lost my job. But you worked 100 million hours a week. What if you did 40 hours a week doing that?

Near the end, I started to drop my hours, but I was still having seizures. What is, well, how have the seizures gone away? So I have stress-induced seizure. Oh my. How have you not had one yet during this conversation? These are stressful. It's stressful, but I... Did you, you should have told us that before. It's not even a joke.

It's not that stressful for me, though. This is a conversation for me, and this is a learning experience for me. Okay, what about arguing with your boyfriend, two hours on the way up here? We didn't argue the whole time. Really? Because you got out, and I was looking out the window when you got here because, you know, you're a little late. So I was just waiting. We argue.

And you came in and you're like, and then he parked and he walked around and just going, yeah, he's a grumpy fan. Yeah, he's a grumpy fan. Yeah. We didn't argue the whole time, though. For the most part, I just kind of stay quiet. I try very hard to hold my tongue because I do not want to say something.

I'm going to regret to him because I have BPD. I do understand that I have explosive reactions. So I'm just trying to figure out what the fuck I can do. Yeah, I know. Technically, we could let all of this debt sit and never even touch it for seven years. Could. I mean, technically, there are, they have legal abilities to go to courts if they want to and the court can, the court can force some things upon you or face larger consequences. Typically they won't, especially for smaller balances like that, but that is something that could happen. Yeah. Interest won't be applied to these medical loans. A lot of these smaller medical loans will not be reflected on your credit. You won't see those $100 ones. No. Yeah. The $4,000 one though, it will. I kind of forgot the exact number.

But that's kind of where I've been. But what's we do? Because I'm two years into this. You're 25. I'm confused. It's your mom okay. Would just bankroll in your life for the next six years, five years? Like when you're 30?

Like what does that look like? And that's where I get kind of like frustrated because it's just like she, she's not comfortable with it. You're like, no one wants to sit there and take care of their grown child. but it's almost like anything that I do to try and get out from that situation it's like no you shouldn't do that you know you know your health is you know you're you're not going to be able to handle this just let me handle it blah blah blah and it's just like well I don't want to I don't want you to have to handle it for five six four years

I think the real answer is is you need to put a little more work into finding the therapist and not push back a little on the nose and also don't give up because the moment we can get you in that to start working on Elise Alis fear of medical things, you start working on those phobias. Okay, we start working on that. And then if we can start getting that job, that Elise allows us to start saving up some money on the side for, you know, just survival, maybe even instead of the debt.

I'm just trying to figure out what even works best for your situation. Honestly, I don't. This is why I wanted to do this show. I don't want to say do disability, but it's just like, honestly, at a certain point, if you literally cannot survive, that might be a thing. Also, we just might need to get you to see some specialists and take advantage of the health insurance you're on for the next year. Even after that, you're going to be on the affordable care plans. So you're going to have, even when there's like, okay, they send you the bill, like, okay, you're just not going to pay it. But we might need to get you to see some specialists and things for this.

maybe there's some medications you can take to help with the seizures. There are typically. But, you know, have you seen specialists? I've seen a neurologist. I have seen cardiologists. So what the neurologist, the thing is, is I had, so they wanted to give me certain medications, but I tend to react very poorly to medication. And I, like, when I was put on SSRIs, I got something called serotonin syndrome.

Immediately? They put you on a low dose? It was on a low dose, and it was within two days of me starting them at it. That's crazy. Did they try starting on a lower dose after that? And? And I had the same reaction. And that's the second one was actually when I had somebody who was drawing blood,

and then they were supposed to put an IV in. They turned their back in between the blood draw and the IV, and left the IV tip in with nothing attached to it. And I was just waiting out. Did you say hello? Well, I didn't realize because because my fear of needles, I was just looking up at the person I was with. his face drops and pales and he's terrified.

I look down, I see my blood just pulling around me. And I'm just like, hey, is this supposed to happen? That doesn't mean we don't take care of it. And she looks at me and she's like, yeah, that's what's supposed to happen. I'm like, that's not what's supposed to happen. She goes to get everything dealt, gets her glove stuck in the IV line, rips her glove out of it, and almost pulls it out. Sounds like a sh-fers.

It was a bad situation. And I've been severely traumatized by that, like to the point to where like. Yeah, yeah. Needles are not a thing that go near me. No, I get it. Me too. I mean, but there is a certain point. Like, right?

There's, if it's life for death. If it's life or death, I will get a needle, right? That can go to your brain. That can go to your brain. I let them put it on me. And you can die like that. Did you know that?

Did you know you can die without warning? I know that your gums are connected directly to your bloodstream. So unfortunately, it does like when sepsis and things like that occur. it is a problem. Yes. But I haven't had any, like, problems with that yet. But your mouth hurts right now?

It's not too, too painful right now. I mean, it's like a dull ache right now. It's when you live with chronic pain, it's hard to like. But you don't have to. Debatable. You don't have to. You can go get them pulled today. Yeah, and then be gumlet.

Yes. You will be gummy no matter what until you get the implants anyway. So at least right now I can eat some certain, like, more. Wouldn't you rather be pain free and go m m m m for a little bit? No, because I would not be able to eat nearly as much as I can eat right now. Yeah, you'll be on the pudding diet.

And I can't handle that with my weight. Okay, guys. Listen, okay. What can I do? There's no solution to anything. Everything's impossible. No, it's not that there's no solution. I want to figure out what the solution is.

Because there's obviously nothing I can do here. You need to go see a mental health specialist. You need to go see medical specialists. And you need a work. 35 hours a week somewhere by fixing your resume, maybe take advantage of the course career certification that we give you. But other than that, I mean, those are obviously the things you have to do.

And then you probably just need to save up a big stack of money. And that's your only chance of survival. I mean, that's it. For you, those are, that's what I would do. That's what I would do leaving here. So, I mean, financial, well, who even knows? Amber Financial score is zero out of 10, obviously. Let's get your boyfriend in here.

Go get them. And let's see how cranky that little is. Trust me, I can, fuck anyone. verbally. All right, bye. All right. See you guys in the post show. Make sure to check out the debt and the new debt class. It's 35% off for only a limited time left.

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