Financial Audit - Financial Audit's First Furry

Episode Date: October 24, 2025

Ohhhh the drama is spicy af with bbno$... we go into full details in todays post show... this is absolutely crazy and has never been done in Financial Audit history... Watch here: ➡️ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb ============================= Our Sponsors for This Video ============================= ➡︎Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 ➡︎Go to zocdoc.com/caleb to find and instantly book a top-rated doctor today #sponsored ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= Check Out My Resources ============================= 👉 I'VE MOVED MY INVESTMENTS TO WEBULL! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://chime.com/calebhammer 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= Chapters: ============================= 00:00 Intro 09:25 why is it always taxes.. 23:22 financial audit's biggest pissing contest 40:30 lil bro got his c*ck on google lmao 49:40 thats a decent chunk of change.. 01:08:30 raising canes is kinda valid though 01:25:00 Budget!! ============================= Want more content? ============================= 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups 🍿 Caleb Hammer Livestreams: https://bit.ly/caleb-live 🍿 Livestream Cutdown VODs: / @livecalebhammer ============================= Connect with me! ============================= TikTok: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= Want to be a guest on Financial Audit? ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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when it comes to your small business insurance. Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. To watch episodes of Financial Audit a week earlier, check us out on YouTube. This is the shortest I've talked to a guest before we started filming because I don't know what the f*** to look at. Your fur collection, how much?

I've probably spent at least 12 grand on my fur collection. Hey, yo, what the fuck? You know why I have all this debt is because I know. in the future I'm going to have money. I'm destined for it. Please tell me how you're destined for money. My drive, my skill set. Buddy, I have met some driven motherfuckers.

No, that's me. You're talking to them right now. Not after this. With a refresh look and upgraded features, download Dollar-wise, the best budgeting app there is. And until October 27th, you can lock in the first three months at over 30% off or upgrade to annual and save an additional 25%

and get a free signed cookbook by me. Download the Dollar-wise budgeting app today and take advantage of your free choice. trial. Hi, my name's Dakota. I'm 23 years old and I'm from Detroit, Michigan and this is financial audit. I'll be honest, ladies and gentlemen, this is the shortest I've talked to a guest before we started filming because I don't know what the to look at.

This is very weird. Also, I've seen furry stuff online. What do you mean by that? I've never seen it in person and it's huge. And it's huge. Well, I think I've always had. had a dream. We've all, we've, we've all had our dreams.

Um, Lindsay's had a dream. I've had a dream. My dream's been to get a midget. A midget. But Lindsay's dream has been to get a furry. And I believe she has accomplished her dream. There's a chain hanging from her. Okay. Well, you would, you would mention. Are we leaving that on? No, no, no, no. It's going to come on. You want to take it off?

I would love to take it off. You would love to take it off. It's so hot in here. Take it off. fucking God. Holy shit. He's a normal look at... This is like when they unmasked Kylo Ren in episode 7, and you thought it was gonna be some evil mother-for...

Evil, yes. As far as I know. Well, now I know how to actually look at you. This is the weirdest start to an episode I've ever experienced. This is so fucking weird. Okay, well, I guess really establishing you. You look so normal.

A little emo. What'd you expect? A fucking... Tell me. Well, a middle age until you said 23, fat, greasy weirdo that, like, has another fat, greasy weirdo

that never leaves the basement kind of around a collar that he uses as a pet at home. You should see my girlfriend. She's smoking. And she's a furry, too. Okay, let me see. Can I use my phone and show you?

Yeah, I want to see. Okay, I'm just saying, like, she's hot, you know? I'm kind of believing it because you're an attractive dude. you're gonna try to see yeah you gotta see your face I guess I can't use one of her in her costume so here she is right here yeah I don't the costume does nothing for me that doesn't really show me what anyone is there another picture it's it's a weird angle

yeah you know I guess all of our angles are similar to that we'll get consent to put these in the episode ladies and gentlemen okay yeah hey yeah I think you're out of her league I'll be honest but that's okay that's crazy I'm gonna have to I'm gonna have to like talk to her about that when She sees this episode. Sure. You know what? But freaks find freaks, and I'm glad you did.

Is this what you do for a living? It's some income. It's not most of my income. What comes in from that, and what is that job? Cameo, social media consultations, and I do only... Oh, my fucking... Closed. Closed. Clothed.

Clothed. Oh. That you said you're taking loads, okay. No, no, no. No. Oh, you look a lot. That's the past. Oh, okay.

I mean, I had to know. I had to make sure that I was actually straight. Oh, it's a good little test. It's a little test. Nothing in, only out. How do you go out if you don't go in? Well, exit only. How do you exit if it's not entered? It's not questions you want the answer to right now. Well, actually, it is.

Well, here's the thing. I needed to make sure that I was straight because, you know, in the furry fandom, it's a lot of gay people. It's mostly gay people, probably by 90%. I'm saying, I've had sex with two dudes. I can't be homophobic. I've earned the right to say the F slur, you know. At least my coworkers that are gay and my friends have said the same thing. I'm allowed to say it because I'm okay.

Uh-huh. You know, because I know how you guys clip stuff. So I'm just going to leave it at that. I've sucked to... How was it? Mediocre. Not very entertaining. Sorry, Dad.

Probably going to watch this. What is your dad homophobic? Yes. Oh. Well, Christian. And has a furry son? Yes. Okay, hold on.

I need to get your income. What do you make off the... Social media consultation. I don't know what that even... So people pay me to basically walk them through their... To walk them? Yeah, leashed them up, all that. And then they ask me on how to prepare their socials for success.

And they, I get them... Are you successful on social media? Over the last few years, over the last eight years, I've averaged, probably a network. Eight years, you're 23. Yeah, I've been doing social media since 2016. 2015, maybe. So almost 10 years, actually. I don't know if that's good for society.

No, no, I've... I mean, a lot of my associate were that young. Yeah, I was making money, though. You know, not anymore. I still don't know if that's good. Okay, good. What do you make from that? Well, now I'm average monthly.

Like, right now I'm making probably like an extra $600, $700 a month just from social media. Not including my full-time gig, which is. Oh, wait. Is that including OF, too, and everything? Yeah. Oh, 700 combined social media. Yeah. Yeah, I've fallen quite a bit from what I was making.

Why? What happened? Got lazy, relationship, bad decisions. Your current one? No, no, my new one's great. Very happy. New one, okay. Yeah, very happy, very happy. I'm very blessed all around. Strategically groomed. Got everything we needed.

Okay. And what's your day job? And do they know? They know. Good, because they certainly do now. Yeah, no, my managers are aware of why I'm here. My social media history. What do you do? I'm a server. Well, that was the thing you didn't want to say. So we're bleeping the name of the company,

but it's a large chain restaurant. Large chain restaurant. It's very good. one for what it's worth. It is. I very much enjoy it. I will say. It's funny how I have to cut the thing you don't want to say and then you say the thing you don't want to say. I ramble. It's okay. Serving, how many hours a week are you getting? Oh, I could pick up as much as I want, but I average about 36, 44 hours a week. What are you making? About 1,500 to 1,500 a week. Yeah, 1,1,500 a week. Ladies and gentlemen, chain. Chains in Detroit. On three table sections, too. So we'll say average 14 then

Just because you said 13 to 15 right? Yeah Times 52 divide that Well do you work every week of the year? No, I take time off for furry conventions And it's not paid And it's not paid time off No, absolutely not

How many weeks do you take off a year? Say probably on like in total About like five Okay, very good So I'll times this by 47 $65,800 a year Without the social media stuff

Which I mean, you're actually doing a What do you get in? Cougars that just want to grab the twinks. No, no, no, I just, I have terrible spending habits. So it's like that money. No, no, no, no. Your income. Like, it's really good.

Oh, oh, you mean like my tables. $5,483 a month plus your 700. Like, you're killing it. Yeah, I'm just a very personal person. Especially in a cheap city like Detroit, $6,183. Like, wow, a month. Incredible at 23. This is the career.

This is the career to f***ing do, apparently. Why are you doing so well? Do you know? Well, for what it's worth, we're not saying the place. But there is not a time I do not go to that place. And it's not literally fucking stacked. Yeah. Like, they've killed it. They've killed it.

My goodness, I don't know what they've done. Just good food? You know, consistent quality. That's all it takes. Yeah. No, but why are you doing so well? Because I'm a kick-e server. Yeah?

I've been doing it off and on for about four and a half years. I've always been people front before I was a server. At middle between serving jobs, I was a director of marketing. at a luxury car dealership for three years, and that involved being in front of people. Okay. So I've always just had a professional way to approach people, you know, learn their situations

and how I should approach it from there and cater their experience to how they are. Now, I got to note that, you know, it's a little early in the day. He may have skipped breakfast, so I wanted to make sure we fed you a snack. That's crazy. You know, I'm not even offended that it's in a dog bowl. I'm more so offended that it's not fruity pebbles

or anything else other than cocoa puffs. I'm not doing this because it's in a dog bowl. I am. Pretty good. So how are you doing then? Because honestly, to me, you should be fucking. Is that what comes home? Or is that before taxes?

I think the tax conversation is a whole different situation. Well, no tax on tips. Yeah, no tax on tips. But I haven't filed taxes in three years. So I don't really know anything about my tax situation. Kind of just hope for the best. Why? Why the fuck possibly?

Because I'll figure it out later. No. They do pay the time for everything. The IRS will figure it out now. Well, they can't take my cash. But they can take your paycheck. I don't get a paycheck. At all.

Your full tip? Checkmate. I get like 60 bucks a week and hourly. Yeah, and they'll fully take that. I know that's not making a gas tank. Fine, they show up with guns. I got guns too. Well, it is Detroit.

You should. Yeah. But I think there's a bigger and involve a nuclear. If they nuke me for not paying my, whatever, my back taxes or whatever the fuck I own them, then that's on them. I think they want to nuke Detroit. That's okay. I'm not in Detroit for long.

Where are you going? You're doing so well there. Back to Dallas. But you're doing so well? I was doing better in Dallas. Yeah, but for cost of living, where are you? Because it's much more expensive, Dallas. I was spending $2,300 for a two-bedroom apartment.

But that was also just like-girlfriend's coming? How long have you guys been together? Almost a full year now. We've known each other for a little over three years. Okay, so she's coming? Yeah, absolutely. She wants to move to Texas. It's not just me.

Why? Better economy. It's warmer. It's a better economy. All of our friends are there, family. The summer's so fucking miserable. You don't. Okay.

Okay. Well, well done. Why are you completely f***? Because you don't come on the show unless you're completely f***. Well, one, why haven't you paid your taxes? Let's talk about that. Like, why? I just didn't want to.

I remember filling it out. Why does not want to? Because you probably, especially with no tax on tips, I don't think you'd pay very much. It's just passed. The no tax on tips. Yeah, that's new. But even still. But we're also thinking of...

Fine. Have you gone through the process and seen what you might owe? Because it's not like you were claiming your cash anyway. Well, I went through the, you know, whatever, turbo tax. And instead I owed them nothing. So when I... There you go. So just do.

I submitted it. They sent me an email saying that this form was incomplete, and then I just kind of ignored them and hoped that they would figure it out later. Three years in a row? Yeah. I didn't even bother to try to apply two years ago because of the income I was taking in. I was scared. So...

Yeah, but you weren't claiming your cash. No one claims their cash. Well, this wasn't cash. This was $2. thousand dollars a month in zell payments that I'm hoping I don't have to pay on because they consider it gift. Not after this!

I knew the risks. I know. Everyone does. $20,000 a month? In zell payments. My ex-girlfriend. She was giving you $20 a month? It was...

Okay, she was taking $20. I was taking $20. Kind of, yeah. It was our only... Oh, you were fucking her. I was her manager, her content lead, her producer, her camera. Superman or everything, but there's no other people involved. That was not a...

But you were fucking her on... I was the paid... Paid peanut. Yeah. Paid furry peanut. It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills

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Exclusion supplies to homedipo.com slash price match for details. And you said that was a bad toxic relationship? Extremely. How much did you make? In total, in the eight or nine months we were running OF, probably a little over $135,000. Because we had peaked at $40K a month for the last two and a half-ish months we were together.

We were only doing like $12, $12,000, $20,000 up until then. As if that's not incredible money. Well, I was also making $7,000 a month flat for my salary-based job that I had left to pursue the only thing. Crazy. Okay, let me see her. I don't even know if I could pull her up. You know her Instagram. I'm blocked.

I could show you her mug shop. I can pull up her Instagram. She got arrested for a slult with a deadly weapon, by the way. To who? Yes, let's see that. Her boyfriend after me. Oh, yep, she doesn't sound great. Let's see that, but I also want to see her Instagram.

Oh, yeah, you could look her up. You're not blocked. No, of course not. By the way, her entire platform is because of me. Don't worry, ladies and gentlemen, we will not be doing... And there is the mugshot, the famous one. She looks awful in this picture. Yeah, most doing their mugshots.

But yeah, it was her new boyfriend. She's had three partners since me in about a year. Okay. Blur the name. Well, here we go. This is what we're dealing with currently. I believe I'm blocking the name. She's a bad example.

I don't like social media. promotion. She is a bad example. I don't think of a lot of, I'll be honest. To me, to me, to me, to me, to me, before she rages online. Oh my gosh. To me, my type. Well, aren't you married or in a relationship?

I'm married, but yes, I'm dating. Okay. Is she out of your league? What, I can't find people. Yeah. Okay. Come on. I'm just making sure one mutual playing field here.

No, she's out of my league. You're out of your current league. Okay. Okay. I disagree, but that's okay So how long did you do furry OF? Uh, mid-20203 to towards the end of 2024.

You're like 20, yeah, to 20-24. Okay, so not very long. Where'd all that money go? Because again, you're on the show, you're f*** I'm fucking. Yeah, no, okay, so. And you're doing well now. I put $10,000 down for my current vehicle.

You did not just go and get crazy vehicle because you're making some O-F money. I wouldn't get crazy. It's a Lexus. LS 460, 2012. Lexus is nice. It was only a $15,000 car. But you put $10 down?

Yes. Okay. I wanted low payments, low rate. That's good. So why are you a f***ing that? Because that wouldn't equal. It's a car has nothing to do with my. It's my credit card payments, my qualify, my affirm, my Klarna.

I actually rented my car rental to get here. So you know how you can, you know, you're already renting a car? I'm affirming the rental payment on my car on my 2025 hatchback that I'm here. For why? I just didn't want to spend the $300 up front. So I paid 80 up front. Makes sense to me. It does.

Is there interest on it? Nope. Okay. You pay it off every time. No questions asked. No problems. No late fees as I go through this entire thing. Yes.

Everything is on time. I have always been successful on that besides my one missed auto payment on my best buy card like three and a half years ago. Oh, I guess your axe was very, uh, has a negative image in the furry community? Extremely. Yeah, she's a piece of shit. Total piece of shit. Why? Uh, transphobic, racist, A.

fatphobic, um, everything under the sun. Which I think that, uh, that community specifically is all those things usually, right? There's bad apples. There's bad apples in every, in every fandom. There's bad apples and anime. Isn't your, what are the, furry? I couldn't think of it. Aren't they all fat, trans and?

No. No. Um, I would say it's a, it's a decently sized demographic of that genre of people, no disrespect. But the people like, that stick out, like me like how you said when I took my suit head off. It wasn't what you expected. That's changing. Well, you might be trans. I don't know. Not that I know of. So, check back next year. Seems like it happens overnight. Does it? And you're starting to sound like her. That might be the worst thing you'll say to me today. Okay, so what is going on, my guy? Because what an interesting conversation. Well, you know why I have all this debt is because I know in the future I'm going to have money. I'm destined for it.

How are you destined for it? Please tell me how you're destined for money. My drive, my skill set, and how many times I've come across. Buddy, I have met some driven motherfuckers who are the absolute biggest morons in the world and work on work instead of actually doing what it takes to get somewhere. Yes. No, that's me. You're talking to them right now. Well, then, no, you're not destined for money.

Oh, but here's the thing. So I've come across large sums of money multiple times in my youth. And 17 years old, I took home $45,000 in a little over 45 days. Okay. And it's not here, meaning I don't think you're going to. come into money and keep it. Well, I know. That's why I'm here. You know, I got to have a little wake-up call.

I got to get the hammer treatment. I got to get hammered. No. No, no. I got to experience the hammer in its full extent. But, you know, it's going to happen again. And every time it happens, I'm going to say, I'm going to keep it. But why?

What if you've lost your opportunity? What if that opportunity has hit and now you're done? No, because a lot of the things also has to do with the fact that, you know, you're younger and, you know, attractive, but you're going to be aging and. Those opportunities are still coming Don't worry I know they are Tell me

I just manifest them And once I'm back in Dallas Here's the goal I need to get the fuck out of Detroit There's nothing What's Detroit keeping you? I agree Detroit's not great

Exactly The only reason I'm in Detroit Is for my beautiful lovely girlfriend Soon to be wife And that is You're engaged Oh no

Eventually What I need to do Is get the fuck out of Troy That's big step one Step two is to get back into Dallas And do a career That I actually have

Growth Potential in Because I went from A lot coordinator to a social media marketing director in a span of three years with my resume. They fired a woman with a bachelor's degree in marketing to replace, have me replace her. Yeah, I don't care about someone's degree. It's only one that can deliver. I can deliver.

I've proven to deliver multiple times. What were you making in that job? A little over 70K. Okay, but that's not coming into millions, which is what you're making it sound like. No, I mean, it's not for my age. No, for your age, that's great. With no degree. With no degree.

Income-wise, not finances. And again, it's not necessarily about a degree. Okay, but I thought you were making it sound like you're going to come into that 20,000 hours a month again. No, I'm not saying it's impossible. All as it takes is the right person to, you know, get to know me and pick me up. Because I have that skill set people need. Oh, so it's all dependent on other people, not yourself. Also that.

I do the consultation that I hope picks up eventually. Hope? Yeah. No strategy? I'm somewhat of a strategy. I mean, I wrote a 16-page document that walks people through what I did to repeat social media success, and it worked. it's worked for a couple actually known household name furries in the community. Household name?

Yeah. How big is it? What is that? Like 10,000 people know them? No, we're looking at like half a million to over a million. The furry phantom's a lot bigger than you might expect it to be. They're actually flying out one of my previous students to Brazil, all expense paid to be a guest of honor at a furry convention in Brazil next year.

Yeah, a guest of honor at a furry convention. It doesn't mean it's big itself. This is the furry convention. Okay. So I can't help you hope and manifest for more money. I know. Like that's not how that goes. I need you to tell me to stop spending money.

Okay, you already know that then. You just said it. So what the fuck do you need me for? How can I get it stuck? Because I've got this thing in my brain that tells me I'm going to have this money. I'm going to make this money back. I don't care. Like just yesterday, I spent $1,000 in email Marcus on a credit card.

What? Yeah. For what? Oh, what are you doing? Well, I have these on me. You're not be your d' white shades. I bought a hoodie. I don't know what that is.

You're gonna have to tell me what that is. This is a designer brand. Of what? Of sunglasses. And then I bought a hoodie for $300. Then I bought $350 cologne, uh, mind games gambit.

Show me! Well, this is just glasses. I didn't bring the other stuff. How much was it? These? Yes. A little over 300.

That's off white. That looks very black to me. Well, but don't they look bad at? Uh, I'm sure. Okay, Lindsay likes them. I don't know.

I'm not a sunglasses guy. I'm a normal glass. I don't know. She told me early on that she liked them. So I was like, see, worth my money. Oh, okay. And now I can use these on social media later and be happier with what I post, which makes my content perform better.

So it's an investment into oneself. Now imagine if you invested that $20,000 a month you were making. Yeah, I wouldn't be here right now. You would probably be borderline approaching, what, a half a million dollars? Yeah. $750,000? Yeah. Has it grown, actually, from when you were making it, when the market was down,

and now you actually might be a millionaire. Technically. Your net worth is... I don't own my car. You can't include finance assets to your car, right? Or into your net worth. I mean, an equity position I would allow, yeah, sure.

Probably worth like $3,500. Dude, you have to be negative. There's no way. Look, private student loans can make you feel like you're one misspayment away from selling your grandma's heirlooms. We miss your grandma. Why, Rify says, chill out.

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stuck in a call center, guess what? 4.6 stars in Google says Y-ReFi actually picks up and treats you like a real human. Shocker, right? In finance, it's about as rare as me not slamming the desk every single episode. So, if you're done fantasizing about robbing a bank, don't do that, by the way. Check out Y-Refi. They're here to help you actually crush these loans without selling your kidneys on the black market. Head to Y-R-E-F-Y.com slash hammer.

That is Y-R-R-E-F-Y-Fi-R-E-FY-E-E-C-E. Or call AAA-9-9-7-3-9-7-8, and see how a real personal approach. can help you escape the private loan nightmare because, let's be honest, living with crippling debt until your 90 is not the retirement plan you dreamed of. Oh, yeah, I'm definitely negative, but as far as like assets I can sell, I got like 35. Yeah, but it's what you owe versus what you own. Well, this is worth seven grand, so I could get seven K for him. Yeah.

For fucking why. Custom made. He's a very notable figure in the fandom. People do pay for that. Who is he? His name's Spiral. If I go to a fur—I know you don't give a fuck about this because it's a furry convention. If I go to a furry convention, I get treated like how you do in public.

Like, oh, Caleb Hammer, let me get a picture. You know, that's me at furry conventions. Oh, my God, die. Because of a $7,500 thing? Because of my platform. I'm a content creator. I've got 960K on TikTok. I've got...

What? Yeah, I've got 34K. Okay, pull up your TikTok. I'm not allowing him to plug it, so you're not going to see it, but I need to see it. It's a dead page. I don't post it on anymore here. Okay, so why are you getting recognized at places?

Because I started over with this. Then show me the new one. Okay. I don't care about the one that's dead that no one knows you from. Well, pull up my... I'd rather show you my... So it's just. Then, yeah, okay, your Instagram.

Okay, 34,000. Yeah. Oh, I know. He bragged about the debt account. The debt account, yeah, it's just what people know me for. It's what I came into the fandom as. It's like, oh, look, furries can be normal people. Furries are your everyday average Joe.

They're not just fat neckbeards that stay at home when they're moms. I'm not calling you your everyday average show. You don't really seem like that. You said I look normal. Your face. Yeah. So I mean, so far, I feel like I appear pretty normal just with the f*** up outlook on money.

If you know it's up, why don't you change it? I'm so confused. That's the fun part. I just don't think I can. Huh? I've tried. How? For like the last eight years, I've been burning into my head.

Next time I have money, I'm going to do this. So what have you told yourself the next time you had money you needed to do? Invest it or spend my debt down. Then what happened? I bought a motorcycle. I bought two motorcycles, BMWs, designer clothes, jewelry, fur suits. I've probably spent a little... Yeah, your consumerism to the max.

Oh, yeah. And I plan on getting the new iPhone 17 next week. Well, that was in. itself isn't the worst thing if it stands alone, but mixed on everything. And why are you going to do that after coming on this show? I'm investment for my social medias. No, what is that? It's a 15 Pro Macs. Shut the fuck up. You're fine. But it's cracked. I don't care. Mine's cracked. I'm living. Oh, I could tell it was cracked. It's kind of a turn off for me. I don't care if you're turned on or off. I'm turned off. Doesn't matter. I'm richer than he'll ever be in your entire life. I don't

care if you turned off. What do you drive? Huh? What do you drive? Model X. Yeah. Your finance It doesn't matter for me. But your phone's cracked. I didn't like the look of it. And I know other people do it. So you judge everyone's not worth, not on math, but their car? I'm not a flashy guy. Tesla's pretty flashy.

You can say all day it's not. Tesla is flashy. It doesn't look flashy. It looks pretty flashy. What? Monolex looks like a spaceship. Inside. With no engine noise.

And every time you hit the accelerator, it just goes, yay. You know, because it's electric. I'll never buy an electric car. Yes. Faster than any car you have. It doesn't matter. A fagin Bugatti. It might be a little bit fast than a Bugatti.

You take it down the highway, you're getting smoked. But it's so much more fun. No, it's not. To go fast. I've been in a plaid. It's okay. I just like to go fast. Is yours a plaid?

Not my current one. So more money than I'll ever have, but you don't have the best Tesla. Well, why would I? I'm moving to New York City. I don't want to use a car. Oh, God. Okay. New York City.

Why? I can walk places. And just constantly running into people, can't drive. So you're going to get rid of your car, is what I'm hearing. Yeah, I don't want to drive. Why would I want to drive? I want to live in a community. So you'll be like in public transport.

Or walking around or biking or welcome to living in an area that's built for humans and not vehicles. I feel like you're just like on a script at this point because like all these people define success. Oh, I'm going to move to New York. You know? No. I'm literally, I don't give a shit about the city as the city. I care about it for the community and moving and it's built for humans. Is there a benefit to you besides not having your car?

Yes, it's built for humans and not highways and cars. I don't know. I don't like the humans in New York. Not where I would want to be. Well done. Don't go. I will. But I'm not going to live there. It's a vacation place. It's like L.A. God forbid it anyway.

I wouldn't want to live in L.A. Okay, we agree on that. It's built for cars, not humans. Okay, so you define your entire existence on whatever car you have. I wouldn't say that. I'm just saying like Tesla says a lot about a person. What does it say? You have a girlfriend, right?

Yes. Okay. Back to the trans conversation. She a girl, like born female? Yes. Is this what they say? Yes, yes. Okay.

I'm just making sure because I think Tesla I think gay He's homophobic No like I said I know a lot about my sexuality His ex rubbed off on him Quite heavily

I guess you could say that He rubbed them off and then He left a homophobic Well the rubbing off was for the only It's not for my personality I mean that's fine I mean everyone can like Whatever the car they want

Like there's not much for me To desire to even defend a Tesla Like I'm gonna drive what I want right Well yeah of course Like I like that it drives for me Yeah that's cool. And that I don't have to think.

That's cool. Just listen to a podcast. Yeah, you can just go. Sit there and look at gay bra you drive. Sure, why not? It's not my preferred. But it's on there. You said it's not your preferred,

so it's on the list of things you'll watch. It's just not the first thing you'll watch. No, not really, but. Play it back. Yeah, okay, play it back. You said it's not your preferred. Here's the thing about me, right? It's like,

I think the gayest thing a guy can do besides take a dick and say is be offended if someone ever questions the sexuality because I don't get it. Like, I'm confident in my masculinity that if someone questions me, I don't feel like a little Well, how do you know if you never done it? But you have to use it as a way to try to get under my skin,

but it doesn't affect me because I don't care. How do you know? How do you know? That's how I had to do. I didn't know. I was struggling. I was like, what if I am gay? What if I am by? I'm not going into the lore of my life with you. You're on financial audit. Well, I thought that we're talking in conversation, right? No, I'm just telling you my thing. Okay, let's move on. I know. I like that idea. I'm trying to talk about the numbers.

Oh, no, you're not! You are literally not right now. I have to turn on the fish tank. I got distracted by walking in to your existence. Hmm. That happens. Okay, so you're going to be very rich, and you're going to let everyone know by the car you drive

because you care more about what the person next to you at the stoplight thinks than what's your actual net worth. Right. Okay. Very good. Anything else I should know? No. I do appreciate this.

I have a money source that you ran into once. You made money through an Instagram scam. Not a scam. Not the way to word it. It was a paid service that people got what they paid for, and they only paid upon completion. It was never payment upon, oh, I'm going to do this. It was paid after I succeeded.

So Facebook had an exploit to get people unbanned because I'm sure you were working social media. You're aware meta has terrible support systems unless you give them thousands and thousands of dollars for meta verified. And the more you pay, the more they help you out. Meta-verified. Isn't that like $5, $10 a month? Yes, but if you use the ad system, this is the exploit, the more you pay through their support system,

so if I'm giving them $100 to promote one of my posts, and then I go to their support system, they're going to say this guy's high ticket, we're going to help him farther. So what I would do is I'd spend money on ads, and then I would say, hey, my page got banned at insert handle. It was a page with 13 million followers. And this person approached me saying, it wasn't my page. And he said, I need you to get my page on band. I'll pay you set amount if you succeed. I got him unbanded.

He paid me $7,500. Oh. And from then I realized this is an actual thing. And then I did it for a little over a month and a half. And you made? A little over 45KKK. And why would you stop? Because there was a ban wave that happened.

And I do have a sense of moral compass as much as it might not look like. And I felt bad for the people that I negatively affected. And I pulled out of it. What? You banned people? I didn't ban people. Facebook caught on. How did you f***?

Oh, the people you unband and got banned? Every single person I got unbanded. And then people extended past them on their devices. I mean, you used the way to like navigate. their ban system, of course. Of course it's fair that they got re-band, isn't it? Yeah, well, I'm just saying it sucks, but I stopped to prevent that from happening again. I didn't want to f*** people over any further than I'd already had.

Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollar-wise. It shows you exactly where your money's going.

every single month, spending, subscriptions, and savings all in one simple dashboard, everything you need and nothing you don't. And when you download Dollar Wise today, you'll get to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. All right. Well, give me your, um, what you think your finance score is zero to 10, zero being the worst, 10 being the best. Two. Two. Okay. If you want to know your financial score, your Hammer financial score, take the assessment for free at Calebhammer.com, see where you stand, see where you need to do better, where you're doing really bad, where you're doing really well. And if you don't want to be like a guest who ends up

on the show, make sure you download the dollar-wise budgeting app. It is my preferred budgeting app. It's incredible. Take the free trial. And if you like it, sign up for an annual version, save a lot of money by doing that. And when you do, I will personally send you my budget-friendly cookbook. I'll sign it and I'll mail it directly to you. Okay. All right, let's jump into these documents. Yep, here's Neiman Marcus, except you just said you spent a shit on this, right? Yeah.

What's the new balance of your Neiman Marcus? Probably a little over 1,100, 1,200 now. Why? Why'd you need to do all this? I didn't need to. Nobody needs to do anything. I just wanted to. Wanted to, but you're also, at the same time,

you keep telling me how you want to get your shit together and manage your finances better when you get out of debt. Well, I can't move to Dallas without getting my stuff together. And why are you going to name in Marcus? Like you want it, but you also want to move to Dallas. Which one do you want more? My psychiatrist had a word for it, mania, something like that, unmedicated mania, unmedicated medicated.

Medicated. Not medicated. I'm on Adderall for ADHD, but nothing else for, like, BPD. And she says that that's why my spending is the way it is. So you should medicate it. Potentially. You need to get it under control, correct? Yes.

Clinically, by the way. So why are you not? I feel like SSRIs are such a plague in this. SSRI, that's what we're advocating for? Pull up your card, pull up a statement on your phone. Okay, yeah. I just don't want to be on medication for the rest of my life that I already am. Well, that's fine. Maybe you've been on

Adderals making you go crazy. Well, I only take this on days like this where I have to, you know, live. Did you take it yesterday when you spent a thousand? Nope. Wouldn't stop me. Okay, so it hasn't updated yet. It still shows 367. Oh, but you could see, you could subtract the available credit, which is a $2,000 limit to see my purchases from yesterday.

Oh, Newarkis, Newarkis, yeah, 634 and then 248. Hodey was too... What's your new minimum payment, do you think? I don't know. I haven't all got it. I'm going to say it's 40 bucks. It's better than my freedom.

It's disgusting. Yeah, I'm sure it is. It's just so fucking stupid. It just don't understand. Because I get it. You did it, maybe you did it in some kind of mania, maybe you did in some kind of woo, woo, maybe you're bipolar. I don't know.

It doesn't matter to me. You still did it, but you also want to move to Dallas. What do you want more? I want to move to Dallas. It's very important to me. return this? Can you? I don't know. Was it here?

Yeah, it was in North Park in Dallas. I drove here from Dallas to get here after I flew in from Michigan. But I can't return the cologne. That's a given, you know, already sprayed that one. How much was that? 3.50. Good f***. I don't even notice it, ma'am.

I put it on a few hours ago. Well, if it's a good clone, it should be good then. Yeah. I'm a good smelling person. I, that's something. I'm not saying you're a bad to my person. That's something valuable to me. It's Coloman or moving to Dallas.

How much do you need to move to Dallas? What have you established you need to move to Dallas? I need to go positive first. I need to pay off my debts. I don't want to have these insane monthly payments. I think somewhere in the ballpark range of $25,000 to $30,000. Yeah, $25,313. How the fuck are you paying that off when you...

Oh, and that's not including... I don't think that includes my $9,000 of property debt. What? You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost.

Or you could book a stay with Hilton. Welcome to your oceanfront room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay.

Hilton, for the stay. What did you do? go around, chew everything up and piss on everything? I, no. Like a bad boy? I couldn't afford the apartment after me and my partner split. So I just kind of left. She left the apartment.

You didn't leave. I kicked her out. Okay. And she wasn't on it? She was on the lease, but she was a secondary. So I removed her. No. Yeah.

Okay. When was that? How long has this been? How long have you owed this? October, 2024. at the end of my lease. It's been a whole out here. I can't rent.

How are you then? My girlfriend? You're just renting from your girlfriend. No, no, no. I'm on the lease. I'm on as a secondary. She was already approved in a place and then I got on to it. You're just going to go get a place yourself?

Yeah. So she's going to get the place? She'll get approved for it with her income. With her income. Is her income good? Yeah. What does she do? She's a test driver.

Is she going to be a test driver there? She can. She can transfer. That's a good industry? in Dallas? Because I know Detroit's like the car place. Yeah. Well, Dallas has a major car scene with the dealerships.

I don't know about manufacturing, but she doesn't need to be a manufacturer. Oh, it's for dealerships? Not hers right now is not, but she can go to a dealership. Will it pay as much? More. What does she make?

18 hour? You know, we'll live in. So you won't be able to get approved for very much. What that? We can get approved for bare bones until I get everything figured out with my situation. So you have all that and then plus. Plus, we have the apartment.

But I'm not giving them $9,000. I'm going to settle, like, two years from now and call them and say, I'll give you $3,000 and you're going to deal. Well, hopefully they accept it. Yeah. It might not. Is it in a collection? It's in collections.

Is it in a collection agency or is it owed to the apartment? Collection agency. Okay, well, yeah, they might be willing to negotiate a bit more. And it's been in collections for about a year? Probably, yeah. Six months? Because I don't know how long until it went to its collections. Dude, this makes no sense.

Again, this is your priorities are just out of whack. You want to move to Dallas. You need to get positive to move the Dallas, but you already have 35,000 hours of debt. Sanity when we include that collections. And you don't put any money to debt. You overspent. Like, you overspent.

I mean, it wasn't insane for what it's worth. Like, we never spent a few hundred dollars. It's things I feel like I need. But it's still, but you need it to cologne? I'm in the service industry. You know, my guests. I don't think anyone wants to be smelling a bunch of scents when they're wanting to eat food.

They do. I get comments all day because I put it on my wrists when I'm reaching across. You know, oh my God, you smell lovely. My tip percentage averages

goes up when I smell good. Yeah, I'm sure they want your tip. Maybe. I don't judge. Okay. Okay. So, I want to understand your mindset

a little bitter. Tell me about yesterday because it was 350 on sunglasses, 3.50 on a hoodie, 350 on cologne. 2.50. It's fucking insane. 250.

Okay. So, walk me through where your mind was yesterday. today as you were going into this. Okay, so the first thing was I wasn't going to buy anything. And then it transitioned into, because my buddy had bought something, into, okay, well, my Neiman Marcus card is my lowest balance.

And I have room on it. And I was like, well, I'm about to lock in after this thing today, where I'm at now with you. I do that a lot. I'll make up for unspent money by spending a lot knowing that I'll probably lock in after the fact and get it paid down. And I use spending as my motivation to lock in. Like the more I spend, the higher my payments go, the more money I have to make, the more I have to go to work, the more I have to save. It's kind of my motivation.

Tell me yesterday, though, I want to put me in your mind, you're there, what's happening? I saw this hoodie. I touched the hoodie. It felt very good. It felt like a $1,000 hoodie, was $2.50. I only had $300 on my Neiman Marcus card with $1,700 left over. And I was like, okay, easy. Whatever.

This won't even move my balance. And then I went to the Cologne section. And then I was asking the lady to show me. this cologne and I also asked her to pull out this pair of glasses that I tried on. I loved both and she was very sweet. Of course she did. And she was very sweet. Nice old lady.

Nice old lady, very sweet. Offered by me a cookie. Well, you know they get commissions. I know. I know. They're there. Yeah, exactly. They're vultures.

Yeah. And she vultured me. I don't regret it. I hope she got a very nice meal out of what I bought. She did. You're paying for her life for you to get, not move to Dallas. Well,

done. Yes. Yes. And in my head it was, well, I'm going to do this thing today. And I'm probably going to have my eyes opened and I'll just get back to Michigan, work, only put money into things that matter,

like my credit cards, make sure my payments are on time. But that's what it's always going to be, isn't it? It's always I will do this later. It always feels different, though, if that makes sense. So what felt different now? That I flew all the way across the fucking country to be on this show for the help, because you guys don't allow me to plug anything. This isn't going to benefit me. People are going to want to do you here, because it's supposed to be benefiting you in a way of fixing your finances. That's the way I was going to say. It benefits me in that way. It doesn't benefit me in my career path at all, which is social media. It does nothing for me, but this is going to hopefully help me

open my eyes a little bit because I wouldn't have flown here, you know, if I didn't see a benefit for it at all. I mean, there's going to be some guys in the audience. We, you know, we, we, we love all, we love, we love all the funds. I'm sure we got some furries. I'm sure, you know, I, you know, we got, we got the gays, you know, we got them all. They are going to, they will find your online somehow. It's on Google. It's on Google? Your P. On Google?

My P-I-F is on Google. My P-Fri-S out of my ex is on Google. On Google? On Google? How on Google? What do you mean on Google? Safe search. You type in a certain phrase, and you just press images.

It's all over the place. We had a very successful... Dare I ask. What's the phrase? That's not... We'll bleep it. You could type in... Only f***leaks.

Or you can type in... ...only f***ing leaks, and it'll pop up furry guy on something-something-something. And then you can type in... and they all pop up. Dude, I'm a gooner. And half those words didn't make sense to me.

I don't goon. I don't watch. I don't do any of that. This is just stuff that I've known from the hit my history. Okay. Listen, you're not an honor, credit card person, guy.

I think the best thing you could do for your future when you actually come into this money again, which I hope you do. That's not just how the world works. I think you've been in the right place, right time. That doesn't mean that's going to infinitely happen forever.

I know. But either way, just close your accounts. Yeah, you'll f*** your credit for a bitch, but your card's already f***ing anyways, so I don't really care. Open the Fizz cards, the debit card that builds credit.

But at least you can't overspend what's in your checking account. I just, you cannot use credit cards. You can't be trusted with them. You go into Neiman Marcus. If you didn't have the thousand hours in your checking account,

you wouldn't have spent it. But if you had the ability, now maxing out your credit card probably, pretty darn close. No, I still have $1,000 left on it. No, not a full thousand. I might go back. Probably like $700 or so.

But either way, because you had the ability to go spend it on a credit card, you did. You should have seen the way my eyes lit up when they called me from Chase and said, hey, we just gave you $11,000 limit. Called my dad. Dad, they just gave me this great credit card. Yeah. I was still at the dealership.

This was just entirely without the only $1 or anything. And I got this $11,000 limit from the freedom with 18 months no interest. And I was very behaved on it for the first few months I had it. Yes, you're a good boy. We all know. I was a good boy as my tail starts to wag. What? Remember that doctor's appointment you were supposed to make a while ago?

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It's what I'd use if I needed to book a doctor fast. Stop putting off those doctors' appointments to go to ZockDoc.com slash Caleb to find an instantly book a top-rated doctor today. That is Z-O-C-D-O-C dot com slash Caleb. Zock-D-C-com slash Caleb. Let's get back to the show. And then I kind of fell off the boat when the breakup happened because I was withheld funds that I needed.

By her? By her. Did she owe it legally, contractually? Legally, we had no paperwork. We had a verbal agreement. She's got to do paperwork. Yeah. Her dab was the only reason that I ended up getting some money,

and that was because I had to sell her my previous fur suit for five thousand. And then that $5,000 was going on three days. Okay, your fur collection, how much? This is my only one now. I've probably spent at least 12 grand on my fur collections in the last three years. How much is the whole, how would you sell that for 75 right now? I would just post it. And people would get it for 75.

They would bid for it and it'd probably go a little over seven because of all the art, the reputation that comes with it. But you've fallen off for a while. I'm on right now. In the furry community, I know you say, oh, it's only 35K. That's like, you know. But you break about the almost million and that fell off. That was because of my cat.

I was not the main focal figure of that social media. It's so easy to get followers on TikTok. It's so crazy. It was a hairless cat named Lola. I used to yell at her, oh, rotissareri chicken. And then those videos just pop the hell off from like 2017-2019.

Okay. Yeah. I mean, you have skills for what it's worth. I used to work for rappers. Like, I have, I'm not going to lie. I have fallen off in terms of where I was in life. I used to be Baby No Money's marketing director. I was working with Young Gravy.

I went backstage for Pooley. Both of them, did they connect you with the show? I, so, no. They like the show. I had no idea. They've both texted asking if we want to have them on. Just both their finances are great. I'll hold my opinions on both of them.

I like that. I like that. Alex is a piece of shit. Which one's that? Baby no money. Why? He never paid me, not a dime. Worked for him for about three years.

He promised me as soon as he would make it. He would give me money. I made him memes. I ran his platforms for him. I helped him with meme marketing. Was it contracted? Nope. I was young.

He first got in contact me when I was 17, 16, actually. And used my skills for years. and then when La La La La DROpped June of 2019, 2020, he just completely cut me off and hired the buddy that I introduced him to full time. To be clear, you're starting baby, baby no money drama right now. Oh, I've already have a video on my platform calling him out with over 150,000 views. You are on a much larger platform.

I am saying this might start. That's okay. Alexander Gamuchian, fuck you. Sue me. See what you get out of it. I will say baby no money. I like your money. music. I don't know you. I appreciated the few texts we've had back and forth. Yeah, I'm sure he asked

you to use his music on one of your videos and not plan to pay you. No. That's surprising. No, no, no. He's been on a nice coffee hour. Okay. Graham and Jack, my pals. Um, so in, you know, we talked about he, he, he, we were this close to filming financial audit, then he had to film out the next day. Young gravy. I will say, I can't say anything bad about Matt. Okay, good, because he performed it my university. He also planned coming on. Gravy's good. We lost contact. We never had any obligations with each other. I did a lot, like some stuff for nothing professionally. He brought me backstage like three times.

Great guy. I love Matthew. Alex, on the other hand, not so much. Ladies and gentlemen, you know where you love her financial audits lesbian correspondent. I need a, what do we call a financial audit lesbian score, please? Zero to ten, zero being the lowest to ten being the highest. On you. Okay.

I know I have a haircut of a lesbian woman. Yeah, masked lesbian. Okay. And that. You just sucked a couple of things. Okay, well, I will say, oh. I've had two dicks in my mouth. So this is more like a gay quiz.

I've been inside two men. But it's a lesbian. But I am straight. I've had to figure it out. You've been inside two men, but you're straight. Yes, I didn't enjoy it. It was honestly the worst thing ever. Were you hard?

Not really. Take me through that because you went inside one man and you were like, give it one more try. Well, yeah, it was like, you know, just because the first bite's not that good. Doesn't mean the second bite can't be better. Yeah. So. Okay.

What kind of card you drive? Alexis the 8 LS 460 Do you like going to Hardware stores? No Oh

Do you have any tattoos? Yeah Okay Like seven I'm trying to think Have you

watched Carol Oh oh The Netflix animated series Nope Nope Nope It's really not the animated series Carol?

Two out of ten. Two out of ten. Ladies and gentlemen, if you want your Hammer Lesbian score, your Hammer lesbian score, go to Calebhammer.com forward slash lesbian. I wish I would have scored higher on that. And how much does baby no money? Oh, yeah? The thing is, there is no way for me to give a number of how much he owes me

because we never had a contract. What's the range that you thought you would be owed? With what my service was and what we accomplished together over those few years, I would say at least in the range of a few thousand dollars. you know, traveling to these events for him and to actually, because the real reason he put me backstage for a few of these events is because I had such a large TikTok platform. He wanted me to promote backstage content.

Yeah, he collaborates with creators all the time. Yes, but this was on top of what I was doing for him with the meme page marketing. I was actually putting him in contact with all these very successful meme pages that he had no contact with at the time because he was a nobody. This was during, this was before the recess album dropped. I like his music, but I honestly do not know this. He was only getting a few thousand streams a month. He was beginning, and I saw the,

potential in him. And I taught him the method he uses to this day, which he was supposed to stop when he got the money for it. But the method I taught him was just leach. You know, reach out to these DM, DM these meme page people with large audiences and say, hey, I'd really like for you to use my music in a video. I have no intention. That's what like everyone does. Well, he would tell them that eventually he would pay them. Well, I'm not the only case. There's people posting about him now as well, these streamers that are talking about his failure to deliver on his promises. and as soon as you ask him for any money, he starts a big drama right now.

Not going to lie, this will probably be online. Well, this will be online, but this will probably be... I'm just, I'm hurt. I'm not going to lie, because we had a really good connection. So put a number to it. 20K. 20K. For the success that he garnered.

That would pay off almost everything. It would change my life. And it's nothing to Alex. And I know he might sit here and say, try to deny... You don't know his finances. I know it's very good. Oh, I'm sure he does well.

Very good. I know that he had made... How good, how well. I know La Lala alone in the first year of it being out made him a little over $1.5 million. Okay, but after taxes... But that's just the first year of it being out. And that's one of his songs. He's got many songs that are almost on the same level of success as La Lala.

What's La Lala? Lala, uh, when I popped off and you grow gay, be that one. The one everybody knows. Oh, oh, I like that one. Yeah, I had it before it came out. I was one of the people he trusted with that song. Is BB no money who you stuck it in? No.

No. And I will say the funniest thing, the first message he ever sent me was what the fuck you're 16? Because he didn't know. And it wasn't, I'm not saying anything bad about that. I'm just saying he was unaware that I was as young as I was because of what I knew and what I had accomplished at the time. Okay. And Matt put me in contact with him, Gravy. Matt?

Oh. Yeah. We became Facebook friends, me and Baby No Money. Wow. Yeah. And we had a very close connection for about three years. No. I don't know how to poke.

I never poked anyone on Facebook. I thought that was a Myspace thing. Sorry, I'm 23. Anything else you want to say on that? Because this is all going out there, so this is the time before we move on. I'm willing to have a conversation. With him?

With him. If he would actually get back to me, but I know he's seen my videos talking about it. He's blocking you. That's okay. Is he blocking you? No, I'm not blocked. I've seen him.

You've texted him. I've mentioned him in my story directly calling him out a few times, and I think there might be a DM in there. You haven't tried to contract him. I have tried to contact him. I emailed him before asking him to reach out to me. Nothing. I reached out on other social media platforms, nothing. And then I made the, and then I resorted to the videos, which one on TikTok got like 100,000 views and one on Instagram got like 150,000 views, directly calling him out for what I have just told you. With proof, with evidence, you know, with our messages, with me backstage with him. I wish I had more, but, you know, being in the relationship I was, she went through my camera roll and deleted everything from before 2021 because it wasn't, you know, she didn't know me of this. time. So she's like, you have no reason to remember any of this. Maybe we'll look at those

messages and posts in the post show. I need to get, I want to get back to the finances. Less of the drama. 10,600,27,090 cents with a minimum monthly payment of 357 on your Chase Freedom card. How long does this take to pay off if you make your minimum three payments only,

which is all you do? And don't purchase, which you purchase. I think it's like 24 years. 22 years. 22 years. insanity. I'm aware. Most people can't say that. They'll just be like, I don't know how long. Yeah, you're aware, which almost, I would argue, is potentially worse because it's not ignorance. It's actively choosing to fuck yourself over. And you're saying you're marrying this girl, you're going to fuck her life over. Okay? And she's not the breadwinner. She does okay,

but she's not the breadwinner. I think it's a thing of self-destruction. I've always kind of pursued that, not in like a suicidal way. Just like it just feels good to struggle for some reason. In relationships, in friendships, in career choices. What are you talking about? What kind of cope is this? I don't know. What feels good? You like getting choked down? Yes. Hey, yo, what the fuck?

Okay, so you're sub. Massacist. You like being sub in life. Yeah, I like to get by life. Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yonis. Yamava Theater stage on April 30th, the powerful vocals of Demi Lovato on May 17th and the signature Southern Country Rock of Eric Church on July 19th.

Tickets on sale now at Yamavatheater.com, only at Yamava Resort and Casino, celebrating its 40th anniversary. You in? Must be 21 to enter. Life is choking me out every day. It feels great because it feels like I'm suffocating with the debts I have. Great. You like it. Why would you want to change it then? Because I don't actually like it. Externally I like it.

Okay, this makes no sense. Exactly. This is inside my mind. What you're saying makes no sense to me then. Makes no sense to me either. This is something I've struggled with for a long time that I'm just like, why am I the way I am? I've talked to psychiatrists. I've been to therapy.

Only thing they've said is just, oh, take this medication. And I don't want to do that. Why would I want to do that? And I'm already on albuterol for the rest of my life, blood pressure medication with the rest of my life, Adderall. What? Why blood pressure? I've, so my debt originally started because of my heart problems. I had potentially pulmonary hypertension.

which is high blood pressure within the lungs. And I was in and out of ERs, hospitals. I was having heart palpitations. I thought I was going to stroke out at a very young age because I was struggling with a substance usage at the time, but no longer anymore. And now... Oh, well, that's why.

Yeah. What was your substance? I didn't know at the time what they were pressed with, but it was fed for press d'I. Yeah, and I was taking that long time. Throughout 2019, 2018 and 2020. You were young. The pandemic.

Yeah. Yeah. And when you have that plus a surplus of income coming, oh, I didn't even mention the meme page money. I was making like $3 to $500 a day from promotions when I was a meme page called. But why did you stop that then? I got banned, which is why I learned how to get people unband. Yeah, that would do it. It's Taco Bell, Sonic, Chick-fil-A, Chick-fil-A, you're a bad gay.

Planet Fitness is okay. And then Dunkin' Donuts, and you've had a late fee this year so far, so I don't want to f-in-air it when you said earlier. What are you on late-fee? Late-fee. what? That's card. Chase Freedom. That's new to me. You're teaching me something. Exactly. That's why I always make sure you extra confirm at the beginning that you haven't had a late fee. That's surprising. That's almost always in these conversations. That's surprising. Yeah, I don't know what month it was, but it's been this year. Okay. That's very surprising.

Why? Because I do, I know as irresponsible as I look and I act and I am, I do make sure that I make my payments. I pick up shifts if I think I'm going to be even remotely close to being short. I can work seven. I've worked 14 days straight just to ensure that I've got everything I need, and I have a little bit left over as well. You know, because I do care about my credit history. I know that it's right now,

but I know that there's something to be saved if I take care of my payments right now, and then I actually pay it down over the next couple years. So it's 28.24% interest rate. You're just spending so much money on bullshit here. I know, and the food is explainable. It's because I like to feed my girlfriend. It's not her fault.

You can't cook? I do cook. I just don't cook enough. Well, cook more. Meal prep, especially. Use a bunch of friendly cookbook. Like, what are we trying to do, right? Yeah.

And you feeding her is going and getting Duncan? Yeah. Taco Bell, Sonic, Chick-fil-A, Chick-fil-A? Other than Chick-fil-A, the rest of it is honestly just kind of shit. It is shit food. There's not a lot of options in the Michigan. That's all... I'm from Michigan.

It's a literal lie. I'm from a smaller town. You're in a... Still a major city. I'm not that close to... You're in Deep Suburb. The motherfucking suburb is Woody. Rapping Bob!

Hey, yo Terry, fuck going on. Hey, how's it going? Yeah, and we have, like, checkers. We got, uh, Coney Islands, which are all nasty. I know where you work. That's good food. Well, yeah. You'll see a bunch of those on there.

Idiot. That's the one thing you didn't want to talk about. Unless you're okay with it being there. Uh, I'd rather not. Okay, people already call. Yeah, people already call where I work. Stop it. Oh, well, they probably will again.

I don't care. My management are in nannos, so it's nothing. Well, let's think about restaurants. They hire everybody. They hire like, you've got to have a major criminal history. Who do you think is in the back? They're degenerous. Not where I worked, but in the past where I've worked,

the dishwashers were convicted sex offenders. They hired. Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy. Or the price holds you back. Price Line is here to help you make it happen. With millions of deals on flights, hotels, and rental cars, you can go see the game live.

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You're making me do this right now. What was that? Or Tom. I know it wasn't a mint. That's not a bad breath dig either. That's just, I know you. No, why are you so parasocial? How do you know I hate mint?

Oh, gee, I don't know. I have no idea. Just a thought, I guess. You don't want to fuck me, do you? Um, no. I don't think I do. I couldn't take the hammer. It's exit only, like I said.

You don't strike me as a bottom. I wouldn't be. I mean, you put this on, maybe, but... I don't think so. Again, too. clarify into women. It doesn't matter, but listen, here, big guy, instead of the

Dunkin' Donut. You know what's a little interesting about this, because we're in the drama thing here. This is your little gamer subs. You can give her this. This is your free sample. You guys can get free samples below. The link below. But the reason I'm giving you this, well, you know why.

Is Schmitty behind that? This is Charlie. Charlie. Maybe no money's first. friend. Oh, moist critical. Yeah. Yeah. I know they love each other. I'm a piece of shit. I'm really close with people that actually benefit him. So that makes sense. Well, dude, business. If Charlie got banned tomorrow, you wouldn't be friends with him. Well, here you go. Give her this instead of Duncan. It's 25 cents of servings instead of stopping and getting your

$4 energy drink. Link below best drinks. You get the shaker. This is what I'm doing. I have mine. I will use this. Yes, you will. It's good. I also have a curetaker. And you can also get free samples to test them out first. I don't have to have Duncan. I've got a curing. I just, you know, honestly, curing is probably better than Duncan. Duncan's not that good. Okay. Such a distracting conversation. What is this? What am I looking at? Is this a firm? Is that my firm? Yes. Great. That is going on with this. Primarily Walmart, I'm pretty sure. Um, Amazon, Amazon and Walmart. Yeah, Amazon. What's the twop? That was recent. That was, yeah, it is. Yeah, it is. I needed to furnish my

place. I didn't want to have a bare bones house. But you can. Man. Do you guys live together? Yeah. But you can. Yeah, well, I wanted a furnished place, you know, for content purposes. You don't need it. For content, you're moving out, you're leaving.

You're trying to get to, in Dallas. Yes. So why? And then the Amazon 597? More stuff for the apartment. House. Sorry. And the Walmart 205?

That was our TV that I first got when I moved to Michigan and a pair of Skull Crusher headphones. You're a fucking emo freak, aren't you? Oh, I looks like bass. is school crusher emo? Is that what I'm hearing right now? Oh. That's very emo guy.

You serious? You serious? I mean, I wouldn't even consider myself emo, so this is... Look at you. I like dark aesthetics and my comic romance. I mean, come on. Let's be on. You sat at the freak table in high school.

Actually, I was extremely popular in high school. Yeah, but you sat at the freak table. I was most likely to be a celebrity, and I was class president, junior and sophomore year. No, I'm not saying you weren't popular, but you probably sat at the freak table. table because look at you. Well, I made the freaks. I got people out of their shelves. Yeah, out of their their shelves. Okay, yo, $263.41. What's your minimum you're owing on a firm? The big one, the 1,200. Just all of it. In total, I think $2.20, $2.40 a month. $2.40. Pull up your Amazon for me right now. It is up. One of my recent orders.

And Star Screen recording will blackout private. You want it? Give. Selfie stick, so he can record himself getting pegged. We love it. There's a video card professional carpet cleaner because he pisses everywhere. Like a bad boy. That was for this.

That was for this. What content are you even doing right now? The smart lights, smart lights, foam mattress, blankets, pots. Some of this isn't the worst. We don't need the fucking lights because there's lights,

there's lights. You don't need the side tables right now. You don't, the TV stand, that's okay. Comforter, that's okay. Bedsheets, that's okay. You didn't need a high pressure. handle for your shower.

Didn't need. You didn't need the mirror. So, some of it's good, some of it's bad. The mirror was a necessity. How am I supposed to take shirtless, furry pictures without a mirror? So we're still doing that. Well, the thing is, so I don't do nude.

I'm not nude in my own. I'm not naked. I don't do that anymore. Yeah, but you're also not making much money. No, like, I think I'd do like $2.50 a month from the only one. Right now, I've got like 36 people on there. I don't promote it.

Our subscriptions, Capcut, Gmail. Now, ICloud Plus, Insta360, Instagram, and Picks Art. Yes, all those, I can't get rid of any of those. Wonderful. No, it pays for it with the social media stuff you do. It's just not great. But it's fine.

I just wish the social media brought in more money. They don't necessarily like online problems. Unless you really, really, really want to do it. I just don't like when people fall into it because they feel like they need to do it. That's kind of where I'm at right now. What? Need or wants? Need.

See, I don't like it. I don't want you to do it then. Well, I don't want to do it. it necessarily either. Then I really don't want you to do it. Where I work, where I work, it is extremely labor intensive. And missing one day is me losing 300 bucks, or 200 sometimes, whatever. The only to me is a substitute to being able to take a day off. Because if I lose $300 for a day off, I get it rebacked from the only one. Is that worth it to you? For my physical health and my mental health, a little bit. It's, it's, I'm hoping if I decide I'm going to stick with

it, that it can make a little bit more. But I'm really on the borderline. of just quitting it all together. It's not something that makes me happy. Good, then quit. But it's something I do feel a little drawn to for financial assistance. Oh, for financial, then quit. I quit. Okay, what's Conallafee?

Qualify. Yeah, qualify. So that was going to be our coffee table and side tables for the living room. And a dresser for my... Stupid. Really, your furniture right now is a lot of your debt that's preventing you from going to Dallas. The furniture for Detroit is literally... preventing you from moving to Dallas.

Yeah. Now how stupid that is? Very stupid. And also why Dallas? I just don't get it. Out of all the Texas cities. Well, it's not going to be Dallas. It's like when you live in Friscoe, you're going to tell someone from Michigan you live in Dallas.

You're going to leave in deep suburb. No, I don't want to live in Friscoe. I'm talking about like I'd probably be... No, but if not in Dallas, you're going to be in a deep suburb. Yeah, I like suburbs. 20-minute travel to Dallas where all the money is, 25. There's dealerships all over grapevine. Oh, for dealership life?

Yeah, if you want to live in a car infrastructure place where it's depressing to go outside, then yeah, it's a good place for car dealership. There's just a lot of movement is what I'm looking for. I'm looking for the ability to move up. Movements on highways. Yeah. My city traffic, but career paths is what I'm most focused on. Ah, that kind of movement.

$878.344. What's your minimum fee payment? Oh, it's 2143. Yes. Is there interest on this? If I don't pay it within 90 days, yes. 90 days from when? From now?

From when? From a month and a half, two months ago? We just moved in. A month and a half. Two months ago would... That's... Month and a half. So a month and a half from now?

We're halfway through that 90-day period, yes. Oh, is it back interest? It's bad interest if I let go. Is it back? Is it accruing already and then it hits? No, it doesn't accrue until 90 days. And then it's the total of what I have left over. Totally you have leftover starts accruing interest. Yes.

And it's like 100%, some crazy number. Like progressive leasing, you know, it's predatory if you can't pay it off in 90 days. Okay, we got to prioritize that. All right, listen to your financial audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below. The first one, I've moved my investments to Weble. Do the same and transfer to my investing app of choice and you get cash bonuses of $200 all the way up to $30,000 depending on initial

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Because I wasn't allowed to go out. I wasn't allowed to have a social life. When I got back into the world, I didn't have a job. I was using my credit cards to stay afloat. Quicksilver being one of them. But I think the Quicksilver was already mostly maxed out when I first came into freedom. I think the freedom card kind of saved my house. This is insane.

This takes eight years to pay off. Just this alone. With a $39 minimum fee payment, $25.88 of interest is accruing. You have to be spending money on here, or else this would get lower at some point. If it's been maxed out for years, you are spending money. There's no other alternative. I'm spending money. I'm spending money that I don't need to be.

I mean, I just got this two weeks ago, this hoodie. Oh, they didn't finance this. I bought this cash. This is a... When did she spend going out to E last month? Probably $800. It was $800. Dude, this is what pisses me off more than anything.

You're knowledgeable. I know. I know my. It's sense the way you're living life. You have a goal, but you're doing, it feels like anything and everything to not go to the goal. I feel like I keep moving the goal post. Sure, we'll get to that spending here soon. 30% interest rate on this.

Okay, capital one, platinum. That was my first credit card. Oh, wonderful. What's going on with it? You're spending, I'll tell you that. You're spending on a card that is maxed out that is accruing interest that you are not able to pay off on a monthly basis. is why the fissibly why? So when I use that card,

when I actually really, any of my credit cards, I typically have enough in my checkings account to buy it outright, but then I think, well, why drop myself low when I can just swipe my credit card right now

and still have $900 for any emergency things that might pop up? You're losing so much, though. It takes three years to pay off if you don't even purchase, dude. If you don't even purchase. And it's just raising canes. It's nothing that's even necessary.

If it was an emergency, something like you're talking about, Like, there shouldn't be being taken away from your checking account anyway, okay? It shouldn't be because you're trying to get to your goal. And you don't get to your goal by spending $35.50 on raising canes, $800 on a month, going out to eat. You make a good income. We can pay off this debt in a reasonable amount of time.

You're set up for success, but you refuse. You refuse in every way possible to get to that success. Well, I've got financial anxiety. You're actually like a child. Well, yeah. It's like financial anxiety. Like, so you're like, here's the thing. Wouldn't it be the best way to get from anxiety?

Avoidance is. what happens in anxiety, so you'd be avoiding spending money that is preventing you from having financial security if you're anxious about it. Well, I would rather see liquid in my checkings account than see my balance go down for some reason. I'm trying to like get out of that. No, it doesn't matter anyway. You wouldn't have been spending raising canes or $800 of fast food and you're checking either. So that is not a valid excuse because that wouldn't have been spent regardless of where. Well, it's the small payments. Like raising canes, probably 30 bucks. If I have a thousand bucks in my checking's account. Fine. Thousand at Neiman Marcus yesterday. That wouldn't have been

That was stupid. That was stupid. But the canes, I think of it as, okay, it's $30 right now. But then I do it again the next day. Oh, it's only $20. And then I do it the day after. You know this. You know this.

You're saying this right now. You know this. It's a cycle, a vicious cycle that I am struggling to get out of. Does it help that I've never had financial assistance my whole life? And I've been independent since I was. You. I never had, well, financial assistance in what way? Education or just money?

You've been made, you made $20,000 before we've had. Before I even could even conceive of that kind of money in terms of age. I don't want to hear help. I've never, like, my parents have never given, like just advice, like saving, investing. No one does. No one does. I feel like that's not true. Come on. I feel like a lot of people have families that show them what to do.

There's almost no one I know that got financial advice. My financial advice was open up a credit card and max it out at 18 to get a piano I wanted. What the fuck are we talking about, buddy? That is just such a cope for you excusing you being a dumb, raising games every day. Because my friends have had financial help. They've had their parents walked in through opening a 401k. Well, that's good. They have great parents.

Still, this doesn't. excuse you going to $1,000 they even marked us yesterday. No, that was stupid. Yes! Don't regret it. I will, but not right now. I don't regret it right now. I will regret it right now.

That doesn't make sense. Because if you don't regret it right now, then you're going to go do it tomorrow again. She was like you did with Raising Kings yesterday then today. I won't. Yes, you would. If you do not have remorse, why wouldn't you? My buyer's remorse takes a little bit to kick in longer than most people. But if you don't regret it, then why would you not purchase tomorrow again?

Well, because yesterday I was like, you know, going out with a bang. It's like if you're going to have a last party ever, a last hurrah, I might as well do it right. And that was my kind of justification for doing the- history. No, because that never works. That's what people do with their diets. That's what people do with their drugs.

That's what people do with their drinking. That never works. You're just continuing to fuel that dopamine release that you are getting. And apparently you're out there just spending like 40 bucks on vapes constantly and then giving them to coworkers as well. Underage? No. No,

no, no. I just... Why? Because I don't like to own one. I don't like to own one. You don't have money. I'll get one for like a night if I know I'm, be with friends or if I'm going to have a drink and then the next day I go to work,

I'll be hitting it and I'm like, I don't want to own this because then I'm going to hit it when I'm at a house and all that and I'll just give it to someone. I'll be like, who wants it? And I'll put it up. Whoever grabs the first. Oh, your generation sucks. With their addiction to vaping, it's insane. I don't have one on me now.

I thought we were over the nicotine addiction. Like, we were on that downslide and then you guys just went, well, I've got no nicotine on me now. I can go weeks on it without it. And then I'd just pick it up for a couple days and then so there you go. I mean, that is still that. It is money. Okay, I don't even know what this is.

This doesn't even have a brand on it other than the W. What is this? Well, Westlake Financial. That's my car payment. Okay. This is your car. Yeah. Okay.

Okay, very good. This doesn't make sense. You have $9,764 and 57 cents to pay. You said you had a $15,000 car, but put $10 down. I got a 10% interest rate and a $3,500 warranty. No, that's still math doesn't add up because your interest rate wouldn't make your balance. go up. Your minimum payment will always be enough to make it go down a little.

Maybe it was 16. Would that make sense if it was 16? 17, maybe? I know because it was listed. Unless you looped in taxes and everything too, probably. Probably. Good. What do you think it's worth? I'm in positive equity. I know that. I know that I could trade in value at least 11. Yeah, it's right around there. 11 to 13, 13, 13 private 11 for trade. And so barely positive. But in a way that kind of works, what I don't like is the 10% interest on this. Because it's just like, you're not beating it. At the time that was low. At the time that was very low. I was a salesperson. as a used car salesperson, a 9. Whatever percent interest rate was very low for a 2012,

which is why I jumped on it, especially being a first-time buyer. You wouldn't get it. Also, I see people get lower rates all the time on this show with worst finances, I don't know what you're talking about. I don't know. I was seeing 15, 20, 25 percent everywhere else. People are getting subprime is like above in that 20 percent.

That's subprime borrowers. Well, prime used to be 6 percent. Mm-hmm. Yes. And so a 9 percent on a 2012 used with almost six figures of mileage. It was a little over 9. It's like 9 and a half, 9.6 percent. Okay.

You're not beating the market if this money was this in the market, though. It made sense to me at the time as a first-time buyer, putting as much as I was putting down low payments and a low term. I'm happy you have an equity position. I do have an equity position already. But it's just the rate I really don't like. Why haven't you tried to refinance then? My credit's f***.

They're going to look at the last. The whole time? Not, no, it wasn't up until about six months after I bought the car. Because I had bought the Lexus, breakup happened like a month later, and then everything went to shit. Maxed out the freedom card within a span of two months. You have to get new tires right now. I do need new tires, yeah, bag time.

What's that kind of cost? $650,750, $750. Are you paying for that in your mind? Credit card? Well, okay. I was approved. We're afraid to take it from our checking. I was approved for a finance line for it, but I'm not going to do.

No. Constantly. No, no, I'm not going to. I'm going to make sure I have the money for it. You know, my main is picking up a few shifts to have a little bit of spending money. Dude, you should pick up every shift in the world to pay off all this debt and budgeted out and then you can move to Dallas. I would love to, but I walk at least six miles a shift. I get beat the fuck after a week of work.

But you're 23. Yeah. This is time to do it. Yeah. I'm 23. I'm young. I'm young and bold, but still, it's a lot on the body. You can, dude, you can do it.

I don't want to fucking hear it. Come on. You can do it. I'm happy to hear my equity position is a positive for you. It's the first positive all day. Other than your status, right? And the status. Is that all your debt?

I don't think so. No. What else is there? We're missing the 11. Did we talk about the almost $11,000 credit card? What? The Chase. freedom? Yeah. Yeah, that was the second one. Is there another one? No, no. Okay, so we got to the

Quicksilver. Well, there's the apartment debt. Yeah. So what is that 9,000? 95. And that was, $3,500, okay. That's insane. Eviction fees, late. Oh, there's a Best Buy. Oh, yeah, the Best Buy credit Guard. That's a... Pull that up. I can't. I don't know how to. I've never... What do you owe on it? 16, 15, $1, $1,600, something like that. Why? I bought my girlfriend and iPad so she could pursue a drawing career. You brought her a girlfriend. Is that even you? Yes, not even me. I bought her an iPad so she could pursue a drawing career in an iPad Apple pencil. She makes money from it. She makes like a couple hundred dollars a week from it. I got a ninja smoothie and whatever bowlmaker and then I got an air fryer and then I got some microphones that I needed.

I use all the time. I think that's it. Almost bought the 360 camera on it, but that I didn't have. $1,600. What's your minimum monthly payment? I don't know. I called them and just set it up and told them to put the auto pay on. I don't know.

I've never accessed that account. I guess it's like 50 bucks. Yeah. But you say you're making your minimumity payments forever, and we know you had a late payment this year so far on one of these that we already looked at. Which is a shock to me. I didn't know that.

Yeah, but that means I don't even think you might know if you're even paying the best buy one. I am. I know that what I am. How do you know? Because I haven't gotten any angry emails from them like I did the first time. Because the first time I'd used it,

I didn't set up the auto pay. I just kind of assumed that it would already do that for me and it missed a month. Then I knocked it out, paid it down to zero, and then I let it rack back up again. Oh, you got medical collections too? Yes, from all the heart stuff. Oh, when was that?

Oh, that started in 2018 and then went until about late 2022. It wasn't up until recently that I was reassured. I don't believe it is owing because I'm not giving them anything, but I think it's in the $30,000 to $40,000 range. You do owe it in a $4,000 credit. Probably 30.

40. I'll say $35,000. Now, listen, I get it and that sucks. You can usually get on a payment plan at the hospital. I would rather do that. This sucks, okay? That you have that. I'm glad you're alive. You're willing to f*** your entire credit for a long time. Well, it hasn't affected my credit yet. My deductions are not from my medical debt. It's not on your credit? No. It might be soon. A court decided that it can be now. It's been years. I know, but a court's decided it can be now, so it might. If it hits me, it hits me and I'll figure it out, but it's something that I had no choice. If it doesn't, then you're right, I also don't care about.

I had no choice. I know you didn't have a choice. I'm not saying like Roo Roo, I'm glad you have this. I'm just talking about the impact on your life. Well, the thing is, uh, it ended up being a misdiagnosis. So all this money I ended up spending on everything was totally for nothing. I side waited over two years, almost two years for the right car insurance. I had none. I needed to get a cardiac MRI and up front that was $9,500. I couldn't afford it.

Bullshit. Well, I couldn't. I just didn't want to. Yeah, I was going to say, one, either you can afford it or two, it will be completely subsidized and you'll get essentially free health insurance to the Affordable Care Act. I do in Michigan. I get free health care. There you go. Right now, you make money.

Why the fuck would you have free health insurance? You gave me Medicaid. That's disgusting. You should not be subsidized right now. You make good money. But we offer no health care through where I work and I'd rather not pay anything. That doesn't matter. You can afford it.

Why should you be subsidized to the taxpayer while you net? will you net alone $74,000 a year Net! 100 gross That does fluctuate though Because the $500. We gave on average.

Okay, yeah, yeah. I just, I have things I want to spend my money on and I feel like I can't when I'm paying for things I like medical debt, like medical insurance. And it never even felt me in the first place when I did have insurance because Texas's insurance plans were so stupid. No, that doesn't make any sense. You just have to get the insurance that aligns with,

one, your medical needs to the hospitals you go to. Do you know how much I would still pay with with insurance on paying? Depends what insurance do you have? Because your deductibles can range. It was Blue Cross. Still, there's plans within it where your deductibles are higher or lower. Minimony payments are higher or lower. Well, I still paying for my prescriptions every time I want to go

pick those up. Exactly. Also depends on your plan. I was still paying for fat chunks of ER visits and all that. Yeah, so it didn't make any sense to me. I was like, I'm doing... Depends on your plan! I don't have health insurance knowledge. It's like one of the worst things I'm at. Yeah, but you literally, it's very very descriptive on the website. Healthcare.gov.

It wasn't very descriptive for me. I told it everything I did. When I lost a job once and got very nervous, even though I was making money, I went on to health care.gov, and I signed up for it in an emergency fear way. I didn't end up using it and all this stuff, but I knew exactly what to sign up for.

It was so easy and it took like 10 minutes. I thought I knew. I put everything in. I told them my pre-existing medical exhibit. Don't make me the person defending our health care system because our health insurance is insane. But come on. There is a little bit of accountability.

here. Well, yeah, a lack of knowledge. And then you, and that lack of knowledge, you just have to read the description. And two, you should not be subsidized netting 74,000 hours. Well, this was new. I applied for Medicaid when I first moved to Michigan unemployed. They allow someone to move into the state. I was in Michigan for less than a week. And immediately, that's kind of insane. Molina, healthcare. Immediately as soon as I moved to Michigan, there was no hesitation. They had sent it to me that like week after. That's really insane. We're just like, hey, please move here and let's support you immediately. I'm blessed.

I mean, I know I probably don't deserve it, but, you know, my medication's expensive. And when I go to the doctor, you know, for asthma reasons. By the time your episode's coming out, I'm talking to Governor Whitmer in that chair. I'll take advantage of it before. I'm going to have to call this out. I'm going to have to ask her, why the fuck are you paying people to do?

I guess they want more people to move there. Yeah. Maybe that's why. Well, hopefully Michigan's on a come up. I don't really know anything about their economy. The choice technically slightly increasing. First time in decades. Okay, no more debt.

I don't think, right? I don't think so. 293 in our checking account started with 60. That's what we're trying to protect? Yeah, if we don't have any money, I guess. Apple Cash 10 out, who knows where, you went to text.

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Listeners of this show will get a $75 sponsored job credit at Indeed.com slash podcast. That's Indeed.com slash podcast. Terms and conditions apply. Need a hiring hero? This is a job for Indeed's sponsored jobs. This road house, you cash out's out $25. Wendy's. Oh, oil, that's fine. Probably an oil change or something. Maybe gas. Apple cash sent out. Chick-fil-A. McDonald. Paris baguette, Apple cash,

party store, KFC, Apple Cash, you send a lot of Apple Cash out. For what? Usually when my girlfriend will buy me something or she'll like... Well, stop. We can't do that. You just can't do it. Well, she's also in charge of a bar. McDonald's Starbucks.

$5 from the gas station. What are you getting? $5 at the gas station. Five dollars with the gas. Doubt it. Probably, yeah. Really? I can't think of anything else. I don't buy alcohol. I don't buy six. Snacks, there's drinks, there's...

Maybe I got a Coke zero. There it is. Again, dude, gamer subs. You use it, 25 cents a serving instead of your stupid $5. It's just like making coffee at home if you want your sweet treat that way. You shake it up and it's 25 cents. There's a caffeine in it? Caffeine free and caffeine, depending on what you want.

I do caffeine free. Okay. Because I do coffee for my caffeine in the morning. Apple Cash, ATM, Atm, Atahm, M-TRA, McDonald's, Cash app, going in and getting some bullshit Chick-fil-A Prime. Bob Evans. Haven't fucking heard of that in forever. Who goes to Bob Ficking Evans?

I do. It's good. Sonic ATM, which Ross, Starbucks. Me 6? My Discord. I pay for a bot that moderates it for me. How many people are in your disc? 1,100. Why? Lady Jane,

Apple Cash, Pizza, Taco Bell, Dornash. Apple Bill, Panera, going in getting some bullshit McDonald's, McDonald's, car wash. It's not even the wintertime. Fuck you. You don't even need it right now.

Chick-fil-A, Lady Jane, Apple Bill, brew, like some brew ligands, cash app, home goods, going in and getting to bullshit, Apple Bill, blue margarita,

getting some bullshit, Wendy's, Arby's, Touch Tunes, drink saloon, Fortin-West foo, lemons, concessions,

Bog House, Amazon, good in some bullshit. Again, 25 cents. Big, uh, there you go. You stopped inside. $3 there again, $25 there again, $0.25. All McDonald's, Swarled Tomatoes, Tremon,

pizza, Amazon Prime, Bath and Body Works, Marshalls, Panera Bread, Buffalo Wild Wings. Oh, winning, got some bullshit. Scoops ice cream, Lady Jane, Spotify, and Pole Factory. Pol Factory. I don't know. Pole Factory. Oh, P-U-L-L-L-Factory.

I don't know why it says, it's a vape place. Savings, we. went down from 625 to 310. Well done. Winner. Chicken dinner. A bunch of chicken dinners on there, actually. See if we can budget this.

It's going to be interesting because I want you to get an idea. I want you to be able to move to a place that I don't understand where anyone lives, what a lot of people do. I mean, I love Dallas compared to Detroit. It's way better. Yeah, everything compared to Detroit, of course. I saw you're wearing a Lions jersey. Oh, yeah, I support my home state.

Austin FC here. Lions there. I'll probably support like New York basketball or something. Who knows? Okay. Neiman Marcus, $40. Then $357 for the Freedom card. Then $240 for the affirm. $21.43 for the qualify. But we got to, well, actually, I'm not freaking out of paying that off earlier. If there's not any back interest. We just need to focus on small as debts first. Quicksover, 39. Platinum, 25. Car, 258.92. Best buy, $50, and I doubt you're not on a payment plan for the medical, correct? No. Your debt minimumty payments, $1,211.35 cents. What's your rent or your portion?

475. Detroit, ladies and gentlemen. For a house. Utilities? Probably another 150. Is that including the Internet? 200. 200 for Internet?

200 for everything. Oh, 200. Okay, for all utilities. Good. Phone bill? 112. E, obviously, oh, on your phone, right? Yes.

because you got your new when you pay that off switch to helium if T-Mobile's good in your area I know it is in Dallas so you can do that it's the budget-friendly same service and everything though uh... room from drive drive gas

because I know you're obsessed with gas cars so how much? How much do I pay on gas? Yeah I'd say a buck 50, 150 month I don't drive much okay 150 car insurance

Michigan most expensive car insurance state we'll say 200 you don't know I'm on my dad's plan. Do you pay it? No. Oh, then we're not putting it in your budget. But I would like to have it in the budget because I'm getting insurance.

I'm not going to be on his plan for very long. Well, when? When do you have to start it? Probably next month. Oh, so 200. Yeah, so I'd like to put that in there. It will be expensive in Texas and Michigan, but Michigan more expensive. Oh, great.

Necessary food, 300 is what you can contribute to the grocery pile. Meal prep, meal prep, warm up. That's it. 300 a month on groceries? I don't know if I can make that work. You can with math. But also feeding someone. No, that's what you can contribute to the pile.

She can contribute 300 as well. Okay. 100 to the TP fund, toothpaste, anything else you need, total paper, all the good stuff. Medical health care co-pays on a monthly basis? Do you have that? Nope. Good. Do you have health?

Yes, you do right now. You're on Medicaid, but you'll be kicked off come next tax season. In fact, this is someone who hasn't filed this taxes in three years getting Medicaid. Isn't that wonderful, ladies and gentlemen? Our country is so good in the way we do. That the way we do things. We're just incredible. Okay.

Subscriptions. What did you need for your business? running? Cap cut? Just how much? 75. 75. I'm okay with that.

Do you have any pets? Two cats. Okay. Ages and health? They're a year old each. They're cheap. They're very healthy. Health?

Very healthy. Do $100 in pet insurance. How much for cat food? 50 a month? 20 on litter. Anything else that needs to be in your budget that I... Oh, and then 20 on litter? Okay.

Anything else that needs to be in your budget? That I have not taken an account. Oh, no, you already got car note. No, I think that's everything. I mean, it should be pretty chill. You just don't know how to not go to Friam and Marcus like a dumb ass and spend on fast food or going into a guest eating some bullshit single day. Yeah, the food one's huge.

If I stop food, I could easily pay another thousand dollars a month. $2,993.35 needed to survive on a minimum basis right now in Dallas or in Detroit, meaning now is that average, that 6,183? Is that average a month? I think that might be a little inflated. Okay, then how much? Give me a full average. I would say realistically on a bad.

everything. No, average month. 45. Easy. Well, that's very different. 45. Okay, we're going down to 4,500 now, but you still have an extra 1,500, 6,65 cents a month. This is called 1,0005.

Yeah. That's if you actually budget. Here, let me give you $250 of fun, okay? $250 of fun. You budget that where you want. Use the dollar-wise budgeting app. 1,250 is leftover. Okay.

We're not going to consider the medical. We're not going to consider the apartment debt. So your debt besides that right now is $25,313. Divide that by the $1,250. I mean, we pay that off in under two years, and then we save up more. We, yeah, if the medical's not in collections, fine. We're not going to worry about it.

I know they're hounding you, but until it shows up on collections, we're not going to care about it. It keeps going down when they contact me. It used to be like we won nine grand. Well, they're probably trying to settle. Yeah. An apartment, hopefully you save up an extra $4,000, and so call it a full two years total.

You offer that over it over again until they accept it. Never give them access to your accounts, obviously. So two years to pay off your debt. Can you do two years to pay, go to Dallas? Listen, you can move to Dallas if you sell your shit, move there cheap and live on the grinds. When I first moved to Austin, I slept on an air mattress for nine months.

Listen, you're not going to do this as your girlfriend, but if you guys save up a little bit of money, move to Dallas, make more money, and you're able to net more in the end, I'm still okay with it. You don't have to do this before moving to Dallas. You just have to make the math make sense. But it's a two-year debt payoff process. Call it another six months to save up a full in front of an emergency fund, maybe nine months,

and you're fine. You can move the Dallas or not between them. Just make the math work. Okay. And I'll get you a course career certification as well. If you want to find a higher paying job as well, a lot of people in the audience have done that. I'll get you one for free. That's where we are.

That's what we are. Okay? And that's not that bad. It looks better. Just use the educational products we get you. Send it for the dollar wise budgeting app. You can do this. Buddy, I give you $250 of fun and you still get to do this.

And less time than most. people. All right. We're going to do more drama in the post show and I guess an extra weird finance thing that we didn't get to come up. But I'm going to give him a hammer financial score first. Spending a budget. Zero to ten. Zero to ten. There's collections zero. Zero to ten. Not even a thousand. Zero to ten. Retirement. Don't see anything worth zero. Zero to ten. You thought you were two. Fuck you. Hammer financial score zero out of ten. Get yours at Calebhammer.com. And now click that join button. See an extra 20 minutes in this episode by watching the financial auto post show.

premium shows every single day, Monday through Friday, including behind the audit, behind the episode, Fat and Fatter, and many more. Love you guys. Bye. I want to see the communication he gave to BB. A lot of people not like him. It's starting to shift that way.

Is it? It's shifting because people are starting to realize he's performative. He's not actually what he says he is. Glusive members' content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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