Financial Audit - Financial Audit's Most Disgusting Guest

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Starting point is 00:00:59 To watch episodes of Financial Audit a week earlier, check us out on YouTube. And I'm told you think you can make 10,000 hours a week selling feet picks. You're kind of, not just feet picks. You're kind of feet are. A lot of other stuff. Okay. Yeah. Like farce in a jar. You're actually probably just like a four out of ten. Yeah, you're a four out of a ten. I'm like a seven. See, what do I do with this? I also have a great personality. Your inflated self-worth is ridiculous and you think you're working. Hey, you're muted by the way. Shut up. I'm fucking talking. The summer budget reset is now live. Get a full year dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly

Starting point is 00:01:38 cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% of everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big, claim your bonuses now. Hi, my name is Veronica. I'm 37. I'm from Las Vegas, Nevada, and this is financial audit. Yes, it is. Thanks for coming over. I appreciate it.

Starting point is 00:02:07 What do you do in Las Vegas for a living? I am in accounting construction. That's not what I was expecting from all that. Accounting. Okay. So accounting construction, I assume that is accounting for construction. Yes. What do you make?

Starting point is 00:02:23 76. Not bad. Especially Vegas. It is, I mean, it's definitely gone up in cost of living, but still compared to a lot of places. you know, people go there for a reason. It is a bit cheaper. They're building a lot.

Starting point is 00:02:34 Yes. That's good. So what hits your account on a monthly basis? What do you mean? What dollar amount, we can be more literal, hits your account on a monthly basis. Well, what did you think I meant? What comes out? Okay.

Starting point is 00:02:48 So I make 1105 a week. Oh, okay. 11.05 times 52 divided by 12. Okay, so in average. There's 53 weeks in this year, by that. way. I'll get 53 paychecks this year. Oh, why? Because I get paid every Friday.

Starting point is 00:03:07 Okay, so there's a bonus Friday this month? Yes. Okay, what is that? 1105, you said? Yeah. Okay, but only this year, but even still. Okay, okay. Okay, times 53, I guess, divided by 12. So you're averaging $4,880 a month, yeah? Does that work? Does that sound right? Yes. Okay, good. So, why do I have, essentially, what was said here? Because this isn't really line up with your job. it was essentially you kind of divorced a guy so that you go pursue being naughty online to make money.

Starting point is 00:03:38 Well, yeah, I mean, it's a really lucrative business. It is, but clearly that's not what you're doing. Sounds like that game plan didn't work out if you're working in accounting. Well, I mean, I started out in accounting. I mean, I've been doing accounting for... Well, I know you started out in accounting, but when I just asked what your job is, you said accounting. So it's not... I didn't ask what job did you start out?

Starting point is 00:03:56 And I asked, what do you do for living instead accounting? Yeah. But that doesn't line up with the, what I have been told of you leaving your husband so that you could go be naughty online. Yeah, I want to be a dominatrix professionally. Okay. Where's the incoming dominatrixing currently? I mean, I'm told you think you can make 10,000 hours a week selling feetpicks. 10,000 a week selling feedpicks, maybe.

Starting point is 00:04:19 I don't know, that seems pretty intense. I don't know what you're kind of, not just feet picks. Your kind of feet are. A lot of other stuff. Okay. Yeah. Yeah. Like, use underwear, soft.

Starting point is 00:04:29 like farce in a jar. Dude, you're not Amranth. I have a really nice ass. No. You're not Amranth. No, you don't. You're not Amranth. No, I'm sorry.

Starting point is 00:04:42 No, nobody... This is not true. Oh, should I be mean already? It's only three minutes. And I'm sorry, just no one of your class, no one of your spawn. Wait. And age combination has a nice ass.

Starting point is 00:05:00 It's just like... I've been told. otherwise by many, many, many men. Do those men look like Tyler? Do those men look like Tyler? Some of them, yeah. Yes, okay, because that would make sense for everyone else. Actually, most of them are white guys who just really want to be human wallets.

Starting point is 00:05:23 Okay, so losers and weirdos and freaks. Yeah. So, okay, but no one normal. Okay, listen, I'm not just very... I mean, like, what's your idea of normal? Someone that doesn't want to be treated like a wallet I mean what are American citizens Human beings?

Starting point is 00:05:38 What are you trying to get? Their wallets to the government To the government Then every citizen is a wallet to the government In that case So I mean like that's normal I don't think everyone enjoys paying their taxes though Well nobody does

Starting point is 00:05:50 Well there you go So I don't think they enjoy Because you said you like people Or people like you who want to be wallets That's different than those that are forced to by gunpoint Okay No I understand that Yeah.

Starting point is 00:06:02 I'm sorry. It's just like, okay, I wasn't really trying to bully you out of the gate, but you're just saying like when you just say I have a nice ass, I mean, let's be just honest for what the majority of people would think. It's just like, come on, she starts breaking down. I didn't say it was perfect. No, I didn't require perfect, but just nice. No, it's really big.

Starting point is 00:06:23 It's really big. Yes, that happens when that happens. I get it. Same thing happened to me. I mean, it doesn't make it nice. Whatever. Oh my gosh. I'm not trying to go down that pipeline.

Starting point is 00:06:34 You keep making me go. No, it doesn't. Yes, it does. How? Do you not like big ass? Okay, yeah, sure. Let's define what I like. Sure, yeah.

Starting point is 00:06:45 A nice large butt is good, but usually it's attached to just like, when it isn't just all fat. And it isn't getting like, I don't know what it's described as, but when it's like, first of all, this is stretch price. I don't want to go all this.

Starting point is 00:07:03 I mean, somebody who looks like you really shouldn't have this much, like, particularities into who you're attracted to. In terms of who I'm attracted to, I don't think who you're attracted to comes from what you look like. People just have attraction. I like just conventionally attractive people. No, why would I lower my standards? Listen, I don't care what someone's into... I mean, you are basic white boys, so I guess. Sure, yes.

Starting point is 00:07:26 Okay, very good. Listen, it's... I'm not trying to... The entire intent, I wasn't going to call you ugly or anything like that necessarily. But the thing is you're like thinking you can make 10,000 hours a month doing what Amaran's doing with her darn fart. It's because I'm- Shut the fuck up for a second. And you're saying no one gives a fuck.

Starting point is 00:07:43 And you saying- I beg to differ. Okay, well, yeah, you're keeping your accounting job. So clearly it's not working for you. Well, I just started. Uh-huh. Yeah. Not working very well, leaving your guy for that, pathetic bitch.

Starting point is 00:07:57 So the thing is, I wouldn't have talked about. I was invigorated by leaving him because he was a f*** piece of shit. Yeah? Yeah. Oh, yeah. He's the reason I'm in so much debt. Why? Why?

Starting point is 00:08:11 Because he wasn't a partner. Uh-huh. And I was in a situation to where, like... Are you sure that's even what you're looking for as a partner, not a little slave boy? Actually, you know what? It was a one-night stand that turned out to be a really good lay and then turned out to be a really great friend. And then we started dating. And then I...

Starting point is 00:08:30 Seems like all your choices. Shut up. I'm talking. Are you about to do the women and accountability thing? No. I'm saying that like he, we moved in together

Starting point is 00:08:40 in his parents' carriage house. Still your choice. I'm... Yeah. Well, I mean, I didn't really have a choice. I didn't have anywhere else to move. Bullshit. Everyone has everywhere to move.

Starting point is 00:08:50 I mean, if you... You make good money. You've been making good money. I did not always make good money. Only where you guys dating. Almost 13 years. Okay, so how many years ago was this into this carriage house? Six months ago?

Starting point is 00:09:04 You weren't making this money six months ago? No, I just got a raise this year. Six months ago, you weren't making that much? Uh-uh. What were you making? It was like an 8% raise. Go fuck yourself. You could have had somewhere to live.

Starting point is 00:09:16 You're just a no accountability. And I can use this literally horror. Well, yeah, you know, well, actually, no, I'm not a horror because I don't get paid. Oh, great career decision. That's going to get you somewhere. Well, I mean, you got to practice. I'm like, I've been out of the dating game for so long that, like, you know, I got to, like, go around and find out. Like, trying to find, like, my niche, you know?

Starting point is 00:09:39 I thought you did. My niche. Yes. Black men. No. Racist? I mean, there are BBC. There is a lot into BBC.

Starting point is 00:09:51 There's a lot of, like, white guys. Why are you not into black guys? That's not what I said. I said there's a lot of white guys who are into. and like watching me be dominated by a BBC. It's so specific. Like several guys have asked me. Oh, or these boys who want to be called baby boys,

Starting point is 00:10:14 then want to call me mommy. Oh. What the fuck is wrong with this world? Guys, just go get yourself just a... Just normal woman. What are we doing here? Normal women don't exist because of the page. patriarchy. I don't even know what the

Starting point is 00:10:31 that means. I'm dating a normal woman. You think so. As far as I know. I just mean like someone that's just not like I don't know what you mean. Oh, you're just, okay, whatever. Listen, if they're paying for it, whatever they're into it, you have a nice

Starting point is 00:10:46 ass according to them. I don't know. You just suck me down these rabbit holes when you position yourself up here when you're probably right here and like at least I know I'm right here. It's like I don't try to put myself right here. See, my ex wanted me down here. here. He made me feel down here. And then I broke up with him. I left him. And then I was like, oh, yeah, that's right. I'm really pretty. I mean, it's all right. Like, oh, it's like, what do I do with that chat? I'll be, the internal monologue. And this is not your show.

Starting point is 00:11:19 What I am struggling with right now chat is like, what do I do with that? Are you one of those media strategy people clicking through slides, scrolling spreadsheets? Yes? Good. This is for you. Because on Spotify, there's an audience that's different. Locked in. Loyal, invested. They're called fans. Fans don't just listen to music. They feel seen by it like it belongs to them. So when your brand shows up on Spotify, that's who you're talking to. And you're right next to artists like me, Lizzo. So, are you ready to talk to fans? Spotify advertising. You're among fans. I would look mean by being realistic and the fact that in no conventional sense or in any way whatsoever she considered pretty but also we live in a world right now where they are endlessly hyped up

Starting point is 00:12:06 by other people who are not realistic around them especially the women saying no you're pretty you're good you're great clean and all this stuff and then you look like a dick for saying no you're actually probably just like a 4 out of 10 I'm a 4 out of 10 but at least I'm realistic about it. Yeah you're a 4 out of a 10 I'm like a 7.

Starting point is 00:12:20 Well you almost 7. 7 I'm a seven. See, what do I do with this? I also have a great personality. There is an interesting thing happening right now, or at least men understand where they are on the scale. You know, but for some reason, you were just so delusional. Live life, like with the confidence of an average white man.

Starting point is 00:12:40 But I know where I am. My confidence is realistic. I just called myself a four. I know I'm a four. I'm okay with being a four. I'm not a four. You're delusional and think you're... I'm a seven.

Starting point is 00:12:49 But I need you to bring you to a realistic town. I'm a seven. It's the reason you've made zero dollars. Gotcha, bitch. The market is realistic, whether or not people around you are when they're trying to be nice. Well, I'm actively looking for clients on these dating apps. Uh-huh, actively looking.

Starting point is 00:13:05 Yeah. That has not worked. Zero dollars. The market has confirmed you where you... To my point. Because women on apps, money, if they look good. The thing is, it's literally not to be mean to you. That's the hard part because I know I'm looking like a deck.

Starting point is 00:13:22 I really do. But it's so... Comvicated because you are a dick. Sure. But the reality is, people have hyped you up to here, and every single ugly person right now is getting hyped up to here, but at least just a normal ass dude, we know we're down here. The market has confirmed that you're down here,

Starting point is 00:13:40 but for some reason you've been hyped up so much to be thinking you're up here. I don't understand what it is. And that's why you've made zero dollars. The market has confirmed it. And I just need to be realistic about it because you think you're going to make a bunch of money off of this and you've let your boyfriend for this. I mean, this is not going to work. Well, I didn't leave my boyfriend.

Starting point is 00:13:54 just for that, I left him because he's a drunk. Okay, well, that's also a good reason to leave. I don't know why you stuck around for so long. That was comfortable. Being with a drunk? Yeah. And the rent was cheap. That might be a reason. Also, we have dogs together.

Starting point is 00:14:11 Okay, yeah, that complicates. It's a little, but not as much. It's like a child or something, but no, my dogs are... They were my... There are my children. No, my dogs are my children, too. I get that, but if we're also just... Again, I sacrificed my dog. so I could get away from him.

Starting point is 00:14:28 Yeah, to do sex work. Great. So, but the thing is... But doesn't that sound like the best kind of job? Even if it's not even in person, it's just online stuff? No, I prefer in person. Because you get to choose the clientele. Yeah, I mean, I'd love to get paid to...

Starting point is 00:14:46 I got you. I got you. That sounds like the most fun job. I'm not shooting it down. Especially if I get to just tell them what to do, and I don't even have to fuck them, and then they pay me. Well, yes, but you have to get hired for that, and the market is demanded that you are...

Starting point is 00:15:01 Not zero dollars again. Again, with the dog thing, I mean, the conversation, my dogs, I probably have the same mentality as you do, but just like where you're rating yourself up here, I have to be realistic. There is the real world where it is not the same as a human. In the end, when it comes to the complications around separation. Yeah, I know.

Starting point is 00:15:19 I left the dogs within. Yeah, see, there you go. Which is sad, and I'm sorry. That is hard. So you're currently paying for eight different apps to find these clients and buying kink equipment and filming equipment. And again, $0 is made because the market has shown that you're here. I'm investing in my future.

Starting point is 00:15:38 Oh, yes, that's great. That's every small business American. And you know, like starting dating apps and dating, actually, I had to buy underwear. Like cute underwear. The previous relationship was underwearless? No, it was just like regular, like, everyday undies. not like these aren't going to be worn for very long kind of panties. But isn't that the point is that we wouldn't see you in them?

Starting point is 00:16:07 No, that is the point, is you see me in them. Also for pictures. Yeah, the lingerie. Pictures. Oh, yeah. Mm-hmm. And filming equipment, like phone stands. Ah, making me imagine this shit, dude.

Starting point is 00:16:26 And vibrators. Oh, for sure, sake. And, strapped on. Very imaginative, visceral person. Like, this is like on my bucket list

Starting point is 00:16:37 in like the next two years is to like, I'm not making of the show sexual people. This is her doing this. To peg a really strong man. Oh, God, I want to do it so bad. It's weird.

Starting point is 00:16:49 I don't, okay, okay. Yeah, you do you. Well, listen. I am doing me. I know, but I just want you to make money and I should do so. How is that?

Starting point is 00:16:57 Me too. I'm getting there. I'm just, you know, I'm starting. Zero dollars. One cent would be almost getting. No, how much money if you put into this thing? All this equipment and bullshit and stupid. I have absolutely no idea.

Starting point is 00:17:09 Yeah, so it's all your ex's fault. Oh, I mean, the debt, for sure. Like half of it. Half of the dollars on. Half of the debt. How can you put it all on him then when you say half of it is? And then this last month you don't even know what you spent on something that you're making zero dollars on.

Starting point is 00:17:26 What is this accountability thing? Why are the women? I'm sorry. Okay. No, I'm going to finish my point. Let me finish my point for it. Mew her mic. Mew her mic.

Starting point is 00:17:36 Wes, mute her mic. Okay, thank you. You're muted right now. No one can hear you. The point I was trying to make for a second is that it's not an all women thing because I don't want this to come off as a gender war red pill thing. It's not that shit. There's, I would just like the majority of people on the right and left are normal. The majority of men and women, they are normal.

Starting point is 00:17:54 But the thing with you. You're muted. You're muted. so no one can hear you. The thing about people like her that just blows my mind is, why are, you're still muted. Why are the women that are the ugliest that think they're the most attractive, also the least able to hold accountability to themselves,

Starting point is 00:18:15 and only blame other people. Now, don't get me wrong, there's freak men that do the same thing. The weirdo incels that blame all this, like, women should on them not being able to get laid. No, you're a fucking loser. But you're the weird polar opposite as well, where you're self-inflated, your inflated self-worth is ridiculous. And you think you're, hey, you're muted, by the way.

Starting point is 00:18:37 And you're so beyond thinking you're all the way up here. And then the moment we dig in to your responsibility of your debt, we learn real quick that, no, half of that minimum is actually your fault, not all the X. You don't even know you spent on this hobby that makes $0 last month. So the weird connection, between an ugly literal sense, whore. You're muted, no one can hear you.

Starting point is 00:19:04 And away from a mic that thinks she's all the way up here but is actually here is also that far away from accountability. The correlations, quite crazy every single time. Okay, we can unmute her. If you would like to respond, now you can. You're so trash. Trash. That's your rebuttal after all this is I'm trash?

Starting point is 00:19:26 How am I trash? I don't think I'm trashy. What am I trashy? I broke up with my ex because he was not a partner. He did not help me. When I got fired from my job because of COVID, I had to still pay my part of the groceries. Bro, those six years ago, by the way. I still had to pay for my part of the rent.

Starting point is 00:19:49 I still had to pay for my car payment. I still had to pay for my car insurance. I also financially support my mom. This was six years ago. I still financially support my mom. I pay for the phone bill. A lot of people do that. A lot of people do that.

Starting point is 00:20:01 A lot of people do that. I pay for her internet. How do people do that? He doesn't have bills. So, listen, how does this help me? How does this change your accountability? He didn't help me at all. Six years ago.

Starting point is 00:20:14 Six years ago. Yeah, and then I got a job. Where is your accountability, dude? And then I wasn't making enough money to pay off any of the debt. Oh. And then I was working at a temp agency. And then I got fired again. Get a better job. Stop getting fired.

Starting point is 00:20:27 And I got fired. Like, as a temp, like, you can't help that. Yeah, get up in a fucking job. You know, back then was the best employment market in the history of the United States for people without qualifications. Shut up. I'm talking. There was in a time where he would assist me when I needed it financially. He was always, no, that's your job.

Starting point is 00:20:49 No, you do that. When he was only paying a fourth of his, or a quarter of his income, he was paying for bills. and the rest of it, he spent it on alcohol. And he didn't help me at all. That sucks. But it was through our entire fucking relationship. But why is it only you being able to get help, though? Why weren't you able to do anything on your own?

Starting point is 00:21:09 Why is it if he didn't do something you couldn't survive? Where is your accountability? You're right. In a partnership, we should be supporting each other. I am on your page with that. And there's probably a lot there where he should have manned the fuck up, step the fuck up, and certainly stop drinking and gotten himself under control. But if the fact that we're talking about you not having any accountability,

Starting point is 00:21:27 go to six years ago during the pandemic. And then you couldn't find a job. All you got was a temp job when it was literally the best employment market. And you were in a boom town for what it's worth. Vegas, there was jobs galore. Places like Austin, Vegas, Florida. They could hire whoever they wanted. And I barely had any experience.

Starting point is 00:21:43 I'm also a college dropout. But it was still the best experience time for people without degrees, without qualifications. That pandemic era was the best time in American history in terms of a job market. So where's the accountability? It's still blaming him. And then you're saying he's not helping me, he's not helping me. It's not helping me.

Starting point is 00:22:01 It was highest employment. Yeah, but that's on you then. That's on you. I don't care that it took you six months. You can't blame them for that. That's still on you. Also, I wasn't getting any accountability. The whole time I wasn't getting unemployment.

Starting point is 00:22:14 I don't care. Where's your accountability for anything? Why weren't you getting unemployment? Because it was the backlog. What? The backlog during COVID, the pandemic. I was still typing it all. submitting it every week, and it took six months.

Starting point is 00:22:31 So I had absolutely no income. So I was doing side jobs, making cash, just enough to pay bills. Yeah, well, yes. And then probably if you're able to make enough just to pay bills do more. He still had his job. He still had his job. Why does it come down to him? $55,000 a year.

Starting point is 00:22:45 And he didn't help me at all. And he should have. But the fact that he didn't, why does that alone define your entire life? Why weren't you able to do anything for six years? six years. I understand six months to struggle and he sounds like a little... Yeah, I know.

Starting point is 00:22:59 I should have ended six years ago. And he sounds like a little bitch. And I'd beat the shit out of him if he was here, okay? Listen, he sounds like a horrible... You both, dude. He sounds like a horrible partner. I'm not opposed to that. But why the fuck could you not take any accountability

Starting point is 00:23:14 or do any fucking thing for six years? And if you were able to like that, make enough money to pay your bills so I couldn't you do a little more to make extra progress? Using the logic that you had, man. I don't know. know. It's like I'm I don't know. Maybe it was like vindictive.

Starting point is 00:23:31 Yes, I will tell you exactly the real answer, by the way. When she was over there being a offensive little bitch, even though she wasn't saying the truth, she told Colton in the pre-interview and everything when she was less angry because they get you to spill the f-the and beans and everything. She said she was basically retaliating. She was angry. So she would overspend when he pissed you off.

Starting point is 00:23:54 Yes. But it's my money. Her and accountability. It's my money. I can do whatever the fuck I want with it. Her and accountability. I mean, that's how he set the relationship. Your money is your money.

Starting point is 00:24:09 My money is my money. Her and accountability. Drone it and student loans with massive interest rates, I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans.

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Starting point is 00:26:28 out of the entire conversation, man. It's nothing. It's nothing. You've lost everything. You lost all credibility and any kind of accountability or blaming it all on him. My money I spend it. Trash? No shit. Great. So I'm proud of you. So your correction for all this is you just started an OF and fat life, whatever the fuck that even is. And then, oh, you got your It's a fetish lifestyle. Fetish lifestyle. It reminds me never to get that if this is what's on it. Okay, so you got your first subscriber.

Starting point is 00:27:03 Congratulations. Who's it from? I don't know. Some guy in another country. How do you find your account? From TikTok, actually. What are you posting on TikTok? Just basic stuff.

Starting point is 00:27:14 What's basic stuff? Nothing to do with any of it. But you had, like, link in the description below. He sent me a message, and he asked me if I made custom content. And I was like, actually. So you don't even know how much you're spending on all these apps All this shit to get all these people to pay for you How do you think you're gonna be okay

Starting point is 00:27:30 Why do you think you're gonna be successful in this You got your first subscriber and you made zero dollars from the thousands You spent on it I haven't spent thousands You said you don't know how much you spent Well it's definitely not like a thousand I don't know man if you got video equipment and all this shit I don't have video equipment

Starting point is 00:27:46 It's like tripods And like a ring light You know and a strap on. Yes. Why do you think you're going to be successful in those? Because I thoroughly enjoy dominating men. Congratulations.

Starting point is 00:28:05 I enjoy a lot of things. Doesn't mean I'm going to be successful in it. Why do you think you're going to be successful? Yeah, the industry is. Why do you think you're going to be successful? Because it's about who you know. Who do you know? Well, I live in Vegas and they have the conventions.

Starting point is 00:28:21 and, you know, there's connections. You know, you can go to conventions whether or not you live there. But either way, sure, continue. Well, I'm going to try and mingle and schmooze and, you know, get to know people. Oh, wow, you have no business plan. There's a BDSM community and... Everywhere, by the way. Right.

Starting point is 00:28:42 Well, I live in Vegas. Yeah. Yeah. No, shit. I'm saying that in Vegas where I live, there's a BDSM community and then I'm involved in. But I just started. You were not able to tell me why you think you were going to be successful. The only answer you had is I like it and I'm going to mingle.

Starting point is 00:28:57 That's what everyone does in everything. You have nothing unique that is going to make you stick out that you're able to tell me about you being successful. So I like doing the mommy kink stuff. You like? That's that a reason. I'm good at it. But I'm also researching. I bought some books.

Starting point is 00:29:13 I have listening to audiobooks. I've got equipment. I've paid for some. like master classes. Okay. Can I see what's in these apps of you getting these guys? I'm also a meeting a look. There's a guy in Galveston.

Starting point is 00:29:36 I'm meeting. Here. Texas is big girl. That's like four and a half hours away. It's three hours. Galveston, I think, is a little further. It's three hours. He's, whatever.

Starting point is 00:29:46 It's not my problem. He's coming here. Oh, he's coming here. Okay. What are you making from this? Nothing. See, Colton had that as a little note to help her out as like she's actually making progress. And then he just reacted when she said that as, dude, he just gave like a, why'd you just

Starting point is 00:30:07 me? That was the reaction Colton just gave because he set that up as a way to help you against me. It's my first time doing it. So get paid. It's practice. Practice. Sex, we need sex practice. You're 30.

Starting point is 00:30:21 That blows my mind. 37. Nope. I mean, yep, you look 37. I do not look 37. You're right. You do not look your age. Okay.

Starting point is 00:30:33 So why do you need practice of 37 of sex? I've never done the Mono Kink thing. I haven't been feeding her sexual stuff this conversation, but I have to for a second because we have to learn. Unfortunately, if she's giving this stuff for free, what are you guys doing? So he wants to call me mommy

Starting point is 00:30:52 And he wants to suck on my nipple And fall asleep in my lap While I pet him And call him a good baby boy And that I love him What is complicated about that to need to practice? Because, you know, like stage fright in person What?

Starting point is 00:31:07 He's laying on you and sucking your teeth Well, you pet him and say good night I don't know I just I'm, that's the one thing I'm having a hard time doing Is asking for the money Well I know which is like the whole point Well, yeah, you're a whore.

Starting point is 00:31:20 Almost. Almost. I know. You're trying to get to be. Uh-huh. Okay. Yeah, let me see how you're doing these in the apps. Show me.

Starting point is 00:31:30 Whatever the biggest used one is. Let's see how you're doing it all. And it's Android. I don't know how to start a screen recording. So if you could for me, please. Thank you. Because you were bragging to Colton that you were talking to 50 guys at once right now. Yeah, on multiple apps.

Starting point is 00:31:43 But you're a whore. Not yet. You're not even able to ask for it, though. At Volvo, safety is not a feature. It's our purpose. Rigorous crash testing. Decades of learning from real accidents. Innovations that help prevent accidents before they happen

Starting point is 00:32:03 and help protect you when they occur. Going above and beyond industry standards. A vision of zero collisions. Volvo's legacy revolves around you because safety is about helping to keep you and everyone around you safe. for life. Learn more at bolvocars.ca.ca slash safety. Well, I mean, the point is he's supposed to tell them.

Starting point is 00:32:24 I've never met a failed whore. Thank you for giving me the first. Laugh through the pain, girl. It's not going to get you money any quicker. So he's coming today? Tomorrow. And has he come from this? Well, I mean, I've got a chastity cage for him.

Starting point is 00:32:43 Teach their own man. I usually go into it just to... Okay, what is this out? B-D. BD, what is for... It's for BDSM. Okay, I don't think you connected to the Wi-Fi. Do you want to see the chastity cage I brought for him?

Starting point is 00:33:00 Not particularly. It hasn't been used? I'm going to show you anyway. It's unused. Can you confirm that it's unused? Bitch! Is it used or not? Okay. See, look, his little weenie goes in here.

Starting point is 00:33:15 Yeah, I mean, you do got lots of men on here, man. It's surprising. You just, you don't do much, though. This might be too big for you. You're not, you're not running. You're not, you're not, like, doing much, though. Like, why are we not closing the deal? Touch it.

Starting point is 00:33:35 Not until I know. Okay, so this guy being edged and shit like that, I don't know. Oh my gosh. This is a normal dude. Doesn't it, doesn't it look? What the fuck? He's an attractive normal dude. I know.

Starting point is 00:33:49 No, I told you. What the f*** is he doing? I've told you. What the fucking you? Well, yeah. What is he doing? Wow, there is someone for everyone, ladies and gentlemen. So this actually, I want to extra confirm for you insult.

Starting point is 00:34:05 She's on the other crazy side of the fucking understection. See, it goes like this. But on the male crazy side, insult losers, this is proving that anyone can get anyone. Look. It's only been used a couple times Oh for sake Bruh

Starting point is 00:34:25 I also enjoy using my mouth I guess we'll have to test that I'll say we go back to a hotel room Get on my knees from you Bro he is typing You're able to get hot men I've told you Calling me ugly and a liar

Starting point is 00:34:50 Oh, I also have... This is a crazy world. I also have something for your girlfriend. You're a collector. I have something for your girlfriend. I certainly will not be giving it to her. What is it? Caller for you.

Starting point is 00:35:02 Oh my goodness. You do not know what we're into. Me? Okay, this is disgusting. This is disgusting. Caller and a leash. Okay, so if this is what you're trying to do and make money off of...

Starting point is 00:35:12 You need to be put in your place. If this is what you're trying to do and make money off of, what aren't we doing here? Because you've made zero dollars. You're investing money into it. You're horning yourself out. You're going to get maids. Like, what are we doing?

Starting point is 00:35:24 What is the game plan here? Because it's not working. The accountant by day and dominates your own night. So you want to be the accountant by day? Yeah. To confirm. Okay, good. Because that will actually at least keep money coming in.

Starting point is 00:35:39 Well, yeah, I'm not dumb. Could have fooled me. Hmm. Come on. Your accountability shit was insane. And I still feel like you'll never be able to accept an account. If you're like this at 37, you're broken. You're never going to get anywhere.

Starting point is 00:35:55 So you live on your own now. How long have you lived on your own? I don't live on my own. I live with my best friend and her husband. Oh, my God. That's pathetic. Okay. Rent free.

Starting point is 00:36:03 Extra pathetic, then. So let's figure this out. So we know what came in. It was 4,108, which is less than you said. But, you know, every month's a little different. Depends how many Fridays there are. Regardless, what did you spend that month that you made 4,100 last month while you lived rent-free? Groceries.

Starting point is 00:36:23 money number how much did you spend what was your outflow all of it okay all of it sure give me a dollar amount you dumbass sure okay so 40100 very good 6,600 so you live rent free that's not him that's not his fault that's you don't have accountability you're a degenerate yeah yeah you're a bad person You try to put all the blame on him, yet you can't do anything to save your own life. This isn't going to pay off your debt. You make more money than you're going to ramp that up to $8,000 spent. It's pathetic. You're pathetic.

Starting point is 00:37:04 You think yourself as dummy-mami. No, you're submissive of the world. You're pathetic. You're nothing. You're nothing. To society, you are the bottom. You are a taker. Like 10 years ago, I would have been, like, middle class.

Starting point is 00:37:21 Now you would be middle class. You have an incredible income and you pay zero for the roof over your head. You're a failure. You're pathetic. I participate in the utility bills. No. You're pathetic. Pathetic. No, I'm not.

Starting point is 00:37:34 Yes, you are. No, I'm not. You blame everything on him. Then you get just a few little bills, yet you spend $2,000 more than you make. You're pathetic. I don't have a few little bills. In terms of actually like the roof over your head. Yes.

Starting point is 00:37:47 So you are pathetic. I'm giving myself the life. that eventually I will be able to afford. Make that make sense, please. I'm living the life that I eventually will be able to afford. How are you going to afford it? You're the friend you're living with. Her husband wants you out in June.

Starting point is 00:38:02 That's a couple months from now. How are you going to be afford that? You get to afford that now. You can't even afford living for free right now. So how are you affording that in the future? Make that make sense for me, please. Well, I mean, so my sister is going to help me manage my online stuff. She's sad, pathetic.

Starting point is 00:38:17 When next time someone like her comes to you and she's like me and she's like, I'm hot and it's all my ex's fault and all this stuff. Do not listen to them. Do not listen to them. Fucking punch them in the face. She's a pathetic moron. She's going to be my media marketer and she's going to be helping me post content

Starting point is 00:38:34 on only friends. What the fuck is wrong with you? What is wrong? Post your own shit, you loser? I don't have time. What? You have nothing but time. No, I don't.

Starting point is 00:38:45 I also run a guild for the Renaissance Festival. Do you get paid for this? No, that's all volunteer. Then stop. It's a hobby. I don't care. It brings me joy. I don't give a shit.

Starting point is 00:38:56 I don't give a shit about your opinion. Then why are you on the show where it's only me giving my opinion, moron? Well, I mean, I'm trying to start from scratch. Okay, starting from scratch, I'm going to get you there. Keep all the money and post it yourself. Well, I'm not paying my sister. What? She's just going to do it for free?

Starting point is 00:39:11 Yeah. For everything? Yeah. And you're never going to learn the skills yourself. So she's going to see your... All that good stuff. Well, she's my sister. Sisters look at each other's clits?

Starting point is 00:39:20 There's clits? I mean, if I have an ingrown hair, she helps me. Okay, I'm getting like a from Lindsay. So, yeah, okay, I'll accept it. Oh, she says it's weird. Never mind. Okay, yeah, it's weird. I don't know.

Starting point is 00:39:38 We do have a very unique relationship. Yeah, incest. How much time is being spent on this biking stuff? It's not. A lot. A lot. Because I also teach sewing classes. Stop.

Starting point is 00:39:48 Bro, you just figure out your shit. Do you want hobbies or do you want career? I mean, sex work itself. Can I have both? No, not really. When you're not making it. You are making enough. You're just spending way more.

Starting point is 00:39:58 But you're saying you're trying to prepare for this lifestyle you're going to live. I'm still confused. How are you going to survive in June? Well, we decided I'm not moving out in June because apartment prices go up in summer. Who's weak? Because I don't think the husband agrees.

Starting point is 00:40:12 Well. He wants you out in June. He wants you out in June. His wife convinced him that June is not a good idea. Okay, fine. July. What are you going to do? September, what are you going to do?

Starting point is 00:40:22 You're pathetic. What am I going to do? You're a fetech. I can... Apartment prices go up, no shit, but you make literally good money. I'm going to get an apartment with my sister who doesn't have a job. Oh my gosh, you're never going to... You're never going to...

Starting point is 00:40:37 You think you're a strong, independent woman. No, you're a f***ech, pathetic. Broken individual. Well, I took care of my mom since I was 19. So many people have to take care of the only income. Do you know how hard it is to pay? for utility bills and be the only person doing it with making $10.30 an hour. And she didn't have health insurance and I had to pay for all of her doctor's appointments.

Starting point is 00:41:02 That part, I do not know. I can't relate to that one. I can relate to all the other ones. And we were in the middle of getting her approved for Social Security disability. How old is she? She's 72. Okay. Okay. Well, she already has Medicare. She didn't have Medicare at the time. What are you talking about? SSDI. You have to get approved. Yes, I know that. Yeah, you have to get approved.

Starting point is 00:41:24 she's on the age for Medicare. She wasn't at the time. How? It was, she was 64. Which is pretty much there. What is it? 66? Okay, so like a couple years? Either way, she could have gone on it earlier anyway. No, you have to be approved. You have to have a disability. What does she do? She's got fibromyalgia. And she wasn't, you didn't approve her? No, you have to have all this paper trail with doctor's appointments and have a pain history. Okay, so two years of that, And this was decade, like over a decade ago. Yeah. So what's the, what's the excuse for the last 10 years?

Starting point is 00:41:59 I lived with a drunk of a boyfriend. Okay, so again, none of it is your fault. Like, you can make a victim thing from about 10, 15 years ago. Like, yes, that sucks. That sucks. That sucks. Oh, wham, well, man. Okay, but what about you and your fucking life and everything you're doing literally right now, spending more money than you make?

Starting point is 00:42:14 Again, you are literally trying to play victim from something that happened. You're having fun. That doesn't matter. I'm having so much fun. Okay, then what are you trying to do? Why are you here? You go fuck yourself then. I'm not going to talk to someone that doesn't actually want to improve their life.

Starting point is 00:42:27 I do. I do want to financially improve my life. But you're having so much fun. That's all you care about. Well, I haven't had joy in like six years actually. Okay. Have joy and also spend less than you make. You have no overhead barely. Shut the fuck up.

Starting point is 00:42:48 That's funny? Yeah, I got to laugh. You don't. You actually just have to spend less than you make. I know it takes a lot to store you. you're getting that storage for free right now. I don't know. You create a hurricane every time you move your arm.

Starting point is 00:43:04 Things are flying around. You like my dress? Absolutely not. I'm sure they like my dress. No. But you do get the couple freaks on there. You have proved with your phone and that honestly blows my mind.

Starting point is 00:43:18 So what are we trying to do? So you're going to have to pay for your sister. You want to replace that again? You want to replace your mom's situation? You're going to have to pay for your sister in a few months. She has no job. You want to support another deadbeat? You want to go deadbeat to deadbeat to deadbeat?

Starting point is 00:43:33 Dang, when you say it like that. Well, yeah. No, I love my sister. She's fucking great. I can say, you don't love her. She's going to support me. She's going to be doing free work. She's going to be doing free work as my marketing manager.

Starting point is 00:43:44 You make nothing off this. You have one subscriber. This is not marketing manager. You're just posting the video. Just post the video. Schedule a Sprout, dude. I like, it's hard, man. It's literally not.

Starting point is 00:43:52 It's literally the easiest thing you could ever do. I'm struggling so many apps. Then you need to stop. Then you cannot handle it. I'm having. having so much fun. Then choose it over the Renaissance shit and sewing. You have to make choices now.

Starting point is 00:44:07 No, that's prior commitment. That involves other people. Then stop this. You only have so much time. Your sister does nothing. That is not going to pay the bills when you guys are together. Eventually it could. No, eventually it could. Heavy on the could. Heavy on the could. You know what? Eventually it will. That's not how this works. Eventually it will. I'm manifesting my destiny.

Starting point is 00:44:27 That's not how this works. See, I should work. And you don't even know what it. takes to get there. You're just hoping your sister will do it for you. And she's a loser. She's a loser. She's not going to bring any skills to it. Well, she's taking care of our mom right now. That's why she doesn't have a job? Well, she can't get a job. Why? She's going to school. Or? Marketing. Why doesn't she have a job? Digital marketing. I don't know. Your sister's a loser.

Starting point is 00:44:51 Okay, good. Oh my goodness. I swear. We ended up to the, I have, I have a hypothesis. You say no. Shut the fuck up. I have a hypothesis. You say no. Then you explain it and then it confirms my hypothesis. Every time. Every time in this conversation so far.

Starting point is 00:45:07 I don't agree. Okay. Wonderful. That doesn't change reality. I don't understand. That means nothing. Okay. Listen, what do you think your hammer financial score is?

Starting point is 00:45:18 What? When you moved out, you cash out your entire Roth IRA. But are you already approaching 40? Your unc. Your unc. You cash out your. Roth IRA. Why? You moved into a place that does I have any overhead? Why did you cash out your Roth IRA? Even with all his debt now. Okay. So, the original plan. The original plan was I was

Starting point is 00:45:37 going to move it into my new 401k at my job. What? Your Roth IRA into your 401k. Yeah. I was to take all of, it wasn't making any money. That's just because you didn't choose an investment vehicle probably. Oh my gosh. Oh, oh, oh, you suck. Okay, continue. I don't really know anything about investments. It doesn't matter. That's as, that's, that's just, that. That's not even a lack of knowledge. So, and then my boyfriend at the time convinced me to use some of that money to fix up the truck that I had. So I spent probably a total of $8,000 last year fixing up that truck. No.

Starting point is 00:46:20 What's the current status of this truck? Oh, my sister borrowed it for a couple weeks, and then she got into a car accident. Did you have gap insurance? I don't know anything? It's in 1998. What did you have on it, if anything? Yeah, there's car insurance. Okay, did you get anything?

Starting point is 00:46:38 I'm in the middle of getting that worked out. When was it? A Halloween. You're in the middle of getting it worked out still? Yeah. Yeah, insurance is such a stand. So I submitted the quote that I got from the body shop and the mechanic to the other people's.

Starting point is 00:46:57 insurance. She got into a fender bender in the front and the back. Is it drivable? Yeah. What's the issue then? The back hatch doesn't open. Okay. What's the issue? The headlights are pushing into the radiator. Okay, there you go.

Starting point is 00:47:12 Yeah, that makes, that's, that's it. That's more. Okay, so, well, where'd the other five go of the Roth IRA that you pulled out on taxes, fees? Bullshit like that, probably? I didn't pay taxes. on it. No, I don't think that's possible. I think that's automatic. I think it holds it for you.

Starting point is 00:47:34 What? No. If I told... Have you filed this year yet? No. And if you filed an extension? No. You just skipped the filing date, which was yesterday.

Starting point is 00:47:45 Yeah. I'll just do it next year. No. You owe money the government. Listen. Sometimes, you know, when the government owes people money, they don't freak out when you don't file on time. But when you owe the government money,

Starting point is 00:48:00 they're not very happy. You probably owe the government money. What's pulling out. Let's pull it out from that. Roth IRA. Yeah, I'll deal with it later. Do you know how much you owe? You know what your tax situation?

Starting point is 00:48:12 You haven't even gone through turbotax without filing just to see what you do? No. So what's the plan? Just kick the can down the road? That's it. That's the entire strategy? Like, hope that I have enough money by next year filing.

Starting point is 00:48:25 Hope. If you actually start making your money from the show, you're going to have to do quarterly estimated payments as a contractor as an independent business. Yeah, 1099 stuff. Yes, and you're going to have to pay all the taxes. There's no employer to take care of your portion of the payroll taxes. Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollar Wise annual, you'll get my four course educational bundle as a special bonus. So you can get financially ripped while you track your

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Starting point is 00:50:03 Uh-huh. You know that much, but you didn't... File your own taxes. You don't have to file every year. What? You can back file. Okay. Are you going to back file? Yeah. Next year. Okay, with a penalty? Yeah.

Starting point is 00:50:17 From what you already owe? That's my plan. Dude, you are so f***ed, man. Okay. And you think selling your farce is what's going to make up for this. That sounds really good. great. You are not Amaranth. I don't know who that is. The one who basically invented selling farts. Okay. You don't even study the industry you're trying to do. What do you think your financial score is zero to ten, zero being the worst, ten being the best? Probably like a three. You watch your hammer financial score. Get it for free at Calebhammer.com. Take the assessment,

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Starting point is 00:51:51 I hate cooking, so we'll see. Yes, I know that. I will see lots of going out to eating here. I know for a fact. There's no way you didn't. spend that much money and you didn't go out to eat a lot. 500 500.

Starting point is 00:52:04 Miscellaneous bullshit is a crazy one. $1,500. Is the what? Miscellaneous bullshit. It's just anything else. You just do not need. It doesn't benefit life at all other than dopamine hits. Yeah.

Starting point is 00:52:15 Dopamine hits. So I recently stopped drinking caffeine because I found out that... No, you're literally drinking caffeine right over there. Well, I mean like coffee. That's... I was drinking like caffeine. three cups of coffee a day. You are drinking caffeine.

Starting point is 00:52:33 Does it matter the source? Yes. Doesn't have sugar in it. Two of those is equivalent to about an eight ounce cup of coffee. You think sugar is caffeine? Do you think sugar is caffeine? No, I know sugar isn't caffeine.

Starting point is 00:52:48 You just said, but if I said there's caffeine in this, there's no sugar. You're... Okay, so you didn't stop drinking caffeine, but what was your point? Well, if I drink less caffeine than my...

Starting point is 00:53:00 antidepressants work better. Okay. What does I have to do with what? Dopamine hits. Your behavior certainly hasn't changed. Having no routine, for sure. No self-discipline. That's why I'm going into...

Starting point is 00:53:16 Girl, you already got enough, trust me. That isn't doing anything. It was already there. You're fine. Buddy, you're going to be dead before this card payment is paid off. The car payment? Yeah, this card payment. Card, Southwest Rapid Rewards.

Starting point is 00:53:33 $13,142.8. Minimum monthly payment, $423. You're morbidly obese, almost at 40. You're not going to live to the 24 years that's going to take the payoff. You're never going to get to the other side of it. Your life expectancy range is usually within the next decade or so. I'm actually really healthy.

Starting point is 00:53:55 No. I've done all of my blood work recently, and it all came back normal. Okay. I'm very healthy. Okay. Well, you stand down. on scale right now. Fuck you.

Starting point is 00:54:04 No. Then you can't tell me you're healthy. My blood work says otherwise. Okay, will you do your blood pressure right now? My blood pressure? Yeah. Sure. Okay.

Starting point is 00:54:12 Can we have it? Let's see. I mean, maybe you are. Maybe you've gotten lucky right now because obesity itself isn't the health concern, but it is the leading cause for many of the things that cause death. Heart disease, high blood pressure, heart attacks, diabetes, all that good stuff. Right. But I'm not getting on that stupid, like, that weight loss shot.

Starting point is 00:54:38 Okay. You don't have to just eat less calories than you make. I don't know. I do eat less calories. No, you don't. But I sit all day. No, it doesn't matter. Other than your baseline, if you consume less calories than your baseline,

Starting point is 00:54:51 you will not gain weight. You will lose weight. You can't tell me that. Well, you have to count calories. Yes. That a pathetic moron. Listen, maybe you aren't healthy. I don't know.

Starting point is 00:55:07 but it's just like, here's the thing, while that's going. It's not that I really give a shit about your way. We're not, I don't want to. It's not even a thing. That's not what matters. People always think I'm just digging into the way to dig into the way. One, again, you will not live by the end of this car being paid off. But two, more importantly, what is the point, and I don't bring this enough in the episodes,

Starting point is 00:55:26 what is the point of the immense sacrifice that is required from after this conversation? If you don't get to live to enjoy the benefits of the other side of the other side of the the immense, immense work. So there's that part of the obesity conversation. There's two, the health is expensive. It's going to be, you have less energy to make more money. There is less, it is more health complications that are expensive. Okay, no, you're about 150 over 90.

Starting point is 00:55:58 What is that what it was? 44 over 87. Okay, so 144 over 87. So no, but it's not an emergency, but it's not necessarily. defined as healthy. I might be able to use the excuse that this is a stressful conversation and that is true, but you are hypertension stage one

Starting point is 00:56:19 perisostolic. Not diastolic. Okay? Okay. Okay? Well, you told me you're healthy. Yeah. Your blood pressure is not. Well, that's because I'm here. But also you are morbidly obese.

Starting point is 00:56:35 Not morbidly obese. Prove it. Prove it? Yes. How the fuck am I supposed to prove that? You step on the scale. On 260. Step on the scale then.

Starting point is 00:56:50 Okay, cool. She consented. Mark? Mark! The holder of the scale. Listen, again, I do not give a shit if you are specifically. But if you're going to come on here and give me... I don't understand how this has anything to do with that.

Starting point is 00:57:07 I just answered that twice. Did you not listen? I give you two very critical points. One, what is the point of you sacrificing the immense amount of very uncomfortable sacrifice that is required from this conversation? if you're not going to live long enough to actually enjoy those sacrifices. And two, being morbidly obese is health complications, which is expensive, which is debt, which is one of the leading causes for bankruptcy in this country, and less energy to do work. So many of your life goals, many of the things that are required are actually impactful in this conversation.

Starting point is 00:57:36 So it's not just making fun of you for your weight, even though I'll do that on its own. But it's not just that. But also, more than anything, I don't let lies pass on this show. And if you sit there and you tell me, I am healthy. I will not allow that. So would I have asked the blood pressure or wait if she didn't say she was healthy? No! But I'm not going to allow people to bullshit me on this show.

Starting point is 00:58:06 And also it's Caleb Spring and also it's whatever the f we want on the show. It's a fun show. It's a good show. And also, she consented to do it and it's not against her no-no list. Her thing's on her no-no list. I will not tell you what's on her no-no list that she said before, but we're not doing them because I respect all boundaries. I weigh less than I

Starting point is 00:58:24 Good What's your weight? 43 You No that's good I don't want you to be unhealthy How tall are you? 5, 6

Starting point is 00:58:36 So that's the point And because people will cry victim For you a lot on the show Was this on your no-no list before? No So your BMI is 39.2 What is it? 39.2

Starting point is 00:58:50 Oh, okay So you are morbidly obese Oh no! You are one pound away from morbidly obese. Your obesity class two. You're not overweight. You're not obese. You're obesity class two.

Starting point is 00:59:05 You're almost obesity class three, which would be morbidly overweight. One pound. So take a sip and you'll get there. Okay. So what's going on with this card? Because, again, you will not live. Was the reason this conversation started to the end of this 23 years. Statistically.

Starting point is 00:59:21 Maybe you'll beat the odds. but even still. What's going on with this card? So I got that card when it took a month for me to find a job the first time I got fired. Here she goes with the whole victim's shit. No, what's going on with it?

Starting point is 00:59:37 You literally spent more money than you put it on with the interest accruing making the balance go up. This isn't about you losing a job in COVID six years ago. What is going on with this card now? Oh my gosh. I used it for plane flights and for cashback stuff.

Starting point is 00:59:52 and, you know, whenever I need to get... Shield storage, $130 a month. Yeah, I have a storage unit. Get rid of your shit. Who cares? I just moved out of my ex's place. All of my stuff is in there. It doesn't matter. It's stuff.

Starting point is 01:00:06 It's stuff. It doesn't matter. You're putting it on an interest accruing car that is going up in balance. Dude, almost $4,000 of interest. Just last year. Get Kuto Talon. It's an app.

Starting point is 01:00:24 Get kudos telling. What? You can read it. It's the second line item. And then you also are paying for TikTok. What the fuck? And then two Starbucks orders. What do you get for Starbucks at $30?

Starting point is 01:00:37 $30 a pop. But either way. Oh, that's a reload. Reload what? My Starbucks gift card. Okay, but the second line item on there. Some kind of app it says. I have no idea.

Starting point is 01:00:50 Oh, my. Oh, my. You are broken. Thousands of interest, obviously, fees, but I think this is annual fees. Insane. Insane. That alone is insane. That balance is crazy. I need to be clear. I need to be clear because I know I yell at everything. That is insane. A balance of 13,000 hours is insane that you're only going up. And no, it's not because you were laid off six years ago for six months. No accountability freak. So Quicksilver, what's going on with this? Well, when I got laid off six years ago and took care of my mom 14 years ago.

Starting point is 01:01:22 quicksilver I use it for like gas and fixing up my car like oil changes which by the way on the accountability thing you blamed it on your boyfriend talking you into doing it you know you had the choice to say no you're past that magical what is it 26 year old frontal cortex for every woman age you're finally an adult

Starting point is 01:01:45 you can actually make informed decisions for the first time in your life like you still could have said no Have you ever been in an abusive relationship? Okay, you never said abusive. It's an emotionally abusive relationship. Okay, well, now it's immediate, okay, you went from abusive to emotionally abusive. It is different, but it is still bad, to be clear. But also, you never said that in this conversation.

Starting point is 01:02:08 You said he was a drunk and a failure and didn't take care of you. That is different than a mutually abusive, which also, unfortunately, I do not. If you said that at the beginning, I would have believed you. unfortunately, I have to let you know why I don't believe you. Because one, an hour in, and we've talked about him so many times, you have not brought that up once,

Starting point is 01:02:30 and that wasn't on a no-no list either. Two, neither is it in my notes. Three, every single time you get called out on something, you try to find an excuse of why it's not your fault. So now, after you're calling you out for an hour, you pull that out of your ass for the first time. You've made it impossible. I just assume you knew what the fuck that meant

Starting point is 01:02:49 if he's a drunk, and he's a piece of shit. You said he was a piece of shit but not taking care of you. Yeah, by not being a good partner, not taking care of me. Not being a good partner can be a lot of things. Not assisting me when I'm down and out

Starting point is 01:03:02 and like I need help. That's different than emotional abuse. Emotional abuse is constantly getting drunk and yelling at me and punching holes in the walls. Yes, that's good me. You didn't say that. Until 1 a.m. on a Wednesday to have his argument made. You didn't say that. Well, I'm saying it now.

Starting point is 01:03:19 But also, you're the girl who has cried, Wolf and I'm so sorry. I want to believe you. I don't really give a shit about your opinion. Call him. Clearly you do. Clearly you do because you're on this show. Maybe I will in the post show. We'll see. But I don't know. What you do? You're on the show care. Okay. And it just matters. You don't have to care if I think it, but you should care why I think it. Because others might end up thinking it in life when you're the girl who cries a wolf. You don't want to be that person. It makes it impossible to believe anything you say. that's not good.

Starting point is 01:03:51 You don't want to be in that position. Okay? So if that is actually a real thing that happened, I am horribly sorry, and I'm just going to believe it did, but I'm having a very hard time believing. I don't really care. I know, I know, yes, that's your cope.

Starting point is 01:04:06 That's what you say. Obviously, you do. But, yes, that's an easy cope to say when you hear something you don't like. $8,660. $29 on your Quicksilver 1 card. Well, unfortunately, it is past two. Why possibly is a past due?

Starting point is 01:04:25 So I was making weekly payments. Why? Okay. Okay. And I switched it to automatic payments. Okay. But so what it is is I have it set up in my bank account that my bank account sends them weekly checks in the mail. And then I stopped that.

Starting point is 01:04:46 And then I forgot to set it to automatic pay. I didn't know that it's, I had to wait a month. I had to like manually pay it for one month. What if you said of auto pay it would pay? Right, but I have to like manually pay it after I stopped paying with the, through my checking account. Okay, okay, sure, maybe. So you got a little hard to fully believe that.

Starting point is 01:05:13 But of course, fees and interest. Okay, let's see if that actually lines up with reality. Okay, it didn't. had three late fees last year. So, no, it wasn't a one-month thing. Clocked it. Your f***ing die in Minecraft. It's just like, dude, you can't tell me that.

Starting point is 01:05:40 I mean, you've had multiple late fees. It wasn't one month because you... Is it all up? Just on that one? Just on this one, silly goose, yes. Okay. Oh, no, the excuses have stopped out there. There's the reality, okay?

Starting point is 01:05:55 Forget about that credit card all the time. She doesn't budget. Use dollar-wise. Stop. I'm so done. I don't. I don't budget. My friends have tried to get me on budgets for years.

Starting point is 01:06:04 I'll allow this to be your chance. Take our budgeting class as well. That comes in the master of money program. You get it all for free for the rest of your life. Calebhound.com. I'll try it out. Please do. I mean, literally.

Starting point is 01:06:16 What? I think like 30,000 people have taken our courses and changed their lives. I mean, it's not like I'm not interested in trying to find a method that will work for me. And then I'll actually, you know, stick to a plan and stick to a routine. I mean, that's what I want. I want to get a handle. It's like Cinemark.

Starting point is 01:06:32 And Sag to Pay. Oh, shit. I forgot about Cinemark. You forgot about Cinemark. So my ex and I went to movies all the time. So I started... I started paying for Cinemark because... Oh, my...

Starting point is 01:06:46 It gives you free movie tickets. That is basically maxed out that you are not ever paying on time. Fuck my entire. life. What are you doing? I just don't understand why you don't care. It seems like you don't care. There's so many like automatic payment things that I forgot to cancel. Like, just close the card and then nothing will happen. He has my Netflix account, my Hulu account, my Crunchyroll account, my HBO Max account, Amazon Prime. You just cancel the card. You can't have access to it anyway. Can I cancel the card? You can close it. Yes.

Starting point is 01:07:21 I didn't know you could do that. Close it. So you can't charge on it. And then they use. things will just stop charging. But you can't be trusted to have debt. You can't. You don't have to behavior for it. You're not a credit card person. Yeah, no. I...

Starting point is 01:07:34 Well, there you go. I've never had... I didn't have credit cards until I was like 23. Well, realize it then. Close them. Take away the weapons that are harming you. I did...

Starting point is 01:07:43 I wanted to bring all my credit cards on the show so I could cut them up in front of you. Okay, well, I don't even need that. Just close them because you can just order another one if you cut them up. So, yeah, it's a... It was about the... Good visual moment, I guess. Sure.

Starting point is 01:07:57 Okay, USAA, what's going on with this? That's a new card. New? Why? So you couldn't manage the other one, so you open another one? It has basically the same balance as the last one. It's a new card? $8,140.996. What's going on $148?

Starting point is 01:08:11 Minimum monthly payment. Come on. Hello? I don't know. Look at what's on there. I'm trying to have you diagnosed before I look so I can see if you have any reasonable understanding of what's happening in your life. That's why I asked that for every single

Starting point is 01:08:29 guest. What is going on in this card, asshole? Buying things. Oh, you're pathetic. One year over the credit limit. Automatic payments. One year over the credit limit, so I was hoping you knew that, but of course you don't.

Starting point is 01:08:43 Failure. Over by $140. $0.46. Minimumum monthly payment of $148. It takes basically $30 years to pay off. You will not be with us. I hope you are. Maybe it'll be the odds.

Starting point is 01:08:57 Don't think I'm on a move to be 70? No. How many morbidly obese people do you see at 70? All the people where my mom live. Are morbidly obese? Mostly, yeah. At 70? They're the lucky ones that made it.

Starting point is 01:09:12 I don't know, they look a little rough. Well, they shouldn't be at 70. Yeah, that's kind of the point, right? I want you to. I want you. But that's the thing. With your fast food and miscellaneous bullsh's just spending on here. That's why I'm here.

Starting point is 01:09:28 That's what I'm here. There it is. Ding, ding, ding. With the fast-suit spending and with the miscellaneous bullshit spending you do, the thing is, not only would a budget help you financially, it would help you health-wise. You get it more healthy, live longer, have higher energy, lower medical costs, lower blood pressure. I do have, hereditarily, I do have high cholesterol. That's probably not good while also being morbidly obese. Not morbidly obese.

Starting point is 01:09:54 Okay, you took a couple more tips. I'm pretty sure you are now. You're still class two obese. considered class two of any kind of obesity? I'd never even heard of that since today. You, accountability. I mean, I never said I was not like fat. I mean, I know I'm fat. But I'm okay with that.

Starting point is 01:10:14 I think you were like every, late, every single fucking month last year on this card. What's the point? The moment you opened it, you never paid a card on payment on time. You transferred to this card, it looks like, is what I'm being told. Oh, and then you used it for everything, because you lost you'd ever hurt. Great.

Starting point is 01:10:34 Okay. But even then, you still didn't ever pay your minimum monthly payment. Ever. Ever? Ever? I thought I set it up.

Starting point is 01:10:44 Auto pay. You have to set it up with auto pay. Maybe. It's through my checking account. There's a chance you did, but you didn't have enough money in your checking account to actually make that automatic payment.

Starting point is 01:10:55 That happens, yeah. Well, buddy, you've had $301 of fees last year. Usually a late fee is $40. Do the math. I mean, it's, it's, Crazy. And just above the credit limit, like, that's why. All these fees are just making it go above. That's why I went 140 over. Plus the interest. Hundreds of dollars of interest, $100 of fees, $25.65% interest. Well, no, no, that is really bad. But most credit cards are near like 30 that, like, people like you would have. Okay, well, look, listen. Listen, Linda, the Amazon credit card. What is that of reference to? Starbucks is bullshit and a waste of money. And you already know that by making your coffee at home.

Starting point is 01:11:36 and invest in the rest. So now you need to do that with your energy drink as well. Make GamerSubs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is GamerSubs. Literally the cherry flavor is insane.

Starting point is 01:11:59 Listen, you can also get free samples to see if you like it or 10% off your order at GamerSubs.G. or click that link in the description below, type in code Caleb. Stop bleeding out money making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt, instead of aligning some bank's pockets. And look, if you're sitting on high-interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple-digit interest rates, you need to hear this.

Starting point is 01:12:36 If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster,

Starting point is 01:13:11 you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do the work. Oh, f-f-f-fuck. You're like an old boomer millennial. Okay. Continue. Fuck you. I mean, it's true.

Starting point is 01:13:31 If you're pulling boomer memes. We are young. I made sure that the Amazon credit card that I have, I know that one is 29%, and I made sure that the credit limit, they don't exceed 300, that I can't spend more than $300 on that credit card. Gold Star.

Starting point is 01:13:55 Look, it's Amazon. Yeah? I got it all the way up to like $1,400, and I didn't notice it. Doesn't matter. Because all these balances we looked at are above eight. And then I paid it down, and then I called them.

Starting point is 01:14:09 This was like... Okay, Wells Fargo. You couldn't get a statement for us. Oh, that one's the brand, brand new one. I haven't even... A brand brand new. I haven't even set it up. That one, it was my tire popped when I drove to L.A.

Starting point is 01:14:25 And I didn't have the money or the credit balance to get new tires. Okay, that doesn't add up to $4,236, though. Those things that you just mentioned. That's the one that I lost my debit card. So I used that. So if I actually had this statement, it'd be all bullshit. Yeah, like groceries, movies, paying for my sister's stuff. For your sister's stuff?

Starting point is 01:14:50 Oh, my goodness. We're going to need to call her and the ex. Oh, fuck. Oh, fuck. I just got her, um, I paid for her haircut last weekend. And I took her out to lunch. Okay, call your sister right now. I'm done.

Starting point is 01:15:05 Call your sister right now. We'll call the ex in the post show. We'll call your sister right now. Yeah? I don't have to look for him for permission. It's my photo, but also he would say yes. Oh, she's the attractive one. That's an old picture.

Starting point is 01:15:24 You. She was the attractive one. I told her you said that. For her shit, she better answer the phone. I did just pay for her phone bill. She damn better answer the phone call. I paid off her phone bill. And her phone.

Starting point is 01:15:42 How? You don't have money? On that card. She has no idea. You can't text someone where you're calling them on Android? My phone's probably locked. No. Swipe up.

Starting point is 01:16:02 I got it. There's so many men in here. Oh, I did do that. I'm very organized. Your call has been forwarded to. So all the guys that I talk to, they have like the little two heart emojis. Okay, we're going to hope she calls back. Okay, so this is insanity.

Starting point is 01:16:17 What's your minimum fee payment on this thing? So you owe $4,236. I think it's low. I wouldn't trust you for anything but sure. Oh, here you go. She's calling? Hello? Hey, hello.

Starting point is 01:16:31 What the fuck are we doing here? Listen, I'm talking to your sister. I'm talking to your sister. Why the fuck is she paying for all your bills? And why are you guys going to move in together? She was already taking care of your mom and she's blaming all her shit on taking care of her mom and then all of a sudden taking care of her failure drunk ex.

Starting point is 01:16:47 And now she's going to move into you in September and pay for all your shit? Well, you do absolutely nothing. Why the fuck are you draining your sister? Dude, your sister has been used her entire life. Why are you using her now? I'm not using my sister. She just paid your phone bill.

Starting point is 01:17:07 She just paid for your haircut. She had to pay for your haircuts. Because I'm not able to do that. Why don't you able to do that? Because I'm filing for disabled. I'm actually going to school to get my bachelor's. And what's your disability? That's not of your business.

Starting point is 01:17:28 Kind of. Your sister's giving all her money to you and she's going to move in with you. I'm not going to tell you my personal information. That's good. Okay, good. So you're not disabled. Very good. And you're probably going to try to abuse the system.

Starting point is 01:17:42 And you're a taker just like your sister, never a giver. You're welcome. I am a giver. What are you a giver? What are you a giver taking student loans for your school, getting on disability? And I just wrote a $2 million check for taxes yesterday. You're welcome. Wait, are you doing this for my sister or you, or is this interview for me?

Starting point is 01:18:04 So your sister who is giving you money because you can't do anything to save your fucking life. She's been used her entire life. You know what that's like because you dated the same guy apparently as her, which is crazy, by the way. What the kind of incest shit we got going on? But not only that, your sister has been taking care of your mom, then she took care of this drunk for 13 years, and now she's going to move in with you and have to take care of you. It is not fair to your sister It is disgusting

Starting point is 01:18:27 She's paying for your haircut And you're like When I have a disability No Because I would do the same thing for her Except you never will Because you don't work And you never work

Starting point is 01:18:38 Except for when you're a stripper But you probably aged out of that What the fuck? We'll leave that there Oh You may have gotten in trouble For that one You may have gotten in trouble

Starting point is 01:18:58 For that one I think so What's her disability? I don't know. Oh my. I don't know. Can you guys imagine how much less in taxes we could pay if people just weren't able to abuse the system so easily? I mean, she's not getting unemployment.

Starting point is 01:19:16 Why would she? I don't know. What are you talking about? Abuse the system. She's filing for disability. You don't even know what disability she has because she doesn't have one. I do know that at her last job when she lived here, that she fell off a ladder. and hurt her hip.

Starting point is 01:19:33 And so she was on like Workman's comp, but it's like a, I don't know, she's got like something to do with her. We need a revamp of every system we have, guys. We set up systems with good intentions and people have just learned how to abuse it over the years. It's disgusting. It's really

Starting point is 01:19:48 disgusting. I, I, I, man, hate what this show has turned me into, but once you see the inside, once you see how the fucking sausage gets made, it's disgusting. PayPal credit. It's going on with this. First of all, now you didn't even tell me what you think your Wells Fargo minimum minimum monthly payment is.

Starting point is 01:20:06 I think it's like 140. So she hides that she's a stripper? She used to be. She used to be a stripper. She hides that information. I didn't know that she didn't want to talk about it. Oh. That's funny.

Starting point is 01:20:22 Okay. She also had no idea that you guys were going to call. Did she know you're on the show? Yeah. Okay. Well, that's nice. She called back. $2,508.

Starting point is 01:20:34 Yeah, you can deal with that after. I'm going to be in so much trouble with her. You give her free money. I don't give her. She kind of owed you that. Okay, buddy, this takes 13 years to pay off your over the credit limit again on PayPal credit. $8,5.17 with a minimum monthly payment of $57. Oh, TikTok shop!

Starting point is 01:20:56 Ah! What is Lanavia? Lots of TikTok shop, TikTok shop, TikTok shop, TikTok shop, liquid red, AMC, Lanai, 1AV, Lenny. Gosh, what am I, what am I not saying that right? It's for toenail fungus. Lounavia, no, Lounavia, it's a cream. Tollail fungus.

Starting point is 01:21:19 For stretch marks. Okay. I bought that out of an insecurity because my ex said that I got so fat that I look like I've had kids when I haven't. Well, yeah. Me too. That's what happens. I bought cream to put on my stretch marks on my stomach.

Starting point is 01:21:41 Well, I mean, you probably shouldn't have, like, your partner shouldn't hurt you for that. But, yes, I mean, I got stretch marks here, too. When you get fat, your stomach does this, and that's kind of what happens when you get pregnant as well. So stretch marks happen, so that's not surprising. Show me your check-tech shop. Hey, if we both do it right and we lose weight, we'll have loose skin. I don't want to lose that much weight.

Starting point is 01:22:03 You really should. Like 20 pounds. No, no, no, no. you'll be obese class one. Come on, you've got to be healthy. And we're not doing this health in any size bullshit thing. Science doesn't agree with that.

Starting point is 01:22:14 Fortunately, news magazines got like co-opted into that shit. How do you go to TikTok? Just give. Just give. You're the one that spends it all in there. How do you not know? All right, you got like

Starting point is 01:22:33 the most insane amount of bras I've ever seen in my life. I know. It's crazy. You're the one that did. I like stuff. Okay. Congratulations. You got a whole fucking, what is this? Probably for the Renaissance fair.

Starting point is 01:22:45 Yeah. Oh my gosh, you're spending so much money on just such bullshit. It's just so much bullshit. And shoes, so many shoes and plugs and necklaces and headphones and bullshit. Oh, you are like a T-Moo purchaser. You have like a battery box and so many clothes. What is the $261 solar panel rechargeer think? Dude, this is insane.

Starting point is 01:23:07 This is insane. This is insane. What? history. Yeah, from looking at it. Oh. Yeah, yeah, yeah, yeah. Okay, eBay.

Starting point is 01:23:15 What's going on with this? Well, I would assume eBay. Still six years to pay off. You didn't even look at, see, that's not my purchase history. That's my view history. Show. I'm getting there. Okay, well, you look, eBay, $1,366,0.38.

Starting point is 01:23:35 Minimony monthly payment, $49. Yes, there was so purchases. Oh, security. You're paying for, like, a security thing on there. You got interest in fees galore. 30.49% interest is so fronic the way you live. Okay, brawes, bras. Lots of, you know, the kind of pants that fat women wear?

Starting point is 01:23:58 Lots of fat people outfits, yeah. Yeah, yeah, yeah. The classic, like, waist-slimbing outfit. Yeah, yeah, yeah. Some books, I think. And something, bullshit. Okay, lots of bullshit. That's fine.

Starting point is 01:24:11 Synchrony. What's going on with this? Marshalls, immediately purchased, you know, marshals. Okay, minimum thing paid $27, $299.99 owed. You're just shopping on every card doing so much bullshit. Left and right, left and right. Okay, so this is the big scary Amazon card that you were freaking out about earlier.

Starting point is 01:24:33 What's going on with this? Well, I know that one has a really high interest. So I keep the balance really low. I try. I try to pay off the full balance every month. now I haven't been or I don't think I have

Starting point is 01:24:49 a long enough history $29,000 minimum payment $296 balance yeah you don't yeah you're not gonna pay it off Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon

Starting point is 01:25:00 Show me your Amazon Amazon This is insane It's so much spending so much bullshit City Simplicity card Oh Okay, $398.81.

Starting point is 01:25:16 Minimum monthly payment, $20. $2 years to pay off. Oh, my goodness. So much Dominatrix. Bullshit. Bullshit. So much hair things and, yeah, Atkins. That ain't working.

Starting point is 01:25:33 Oh, my gosh. Ice coffee flavor Atkins Cafe bullshit. It's so stupid. Those are the protein shakes. They're really yummy. They are really yummy. I don't think it really. works, though.

Starting point is 01:25:45 Lots of hair shit and lots of septum piercing bullshit. Of course. I don't even notice it because you have so much stuff going on. Usually it's the first thing I noticed is the septum piercing. Spending. IHop. The criticals, the necessities. Health conscious with your Atkins and IHop.

Starting point is 01:26:04 Wells Fargo. Why can you get to hold you? That one's my oldest credit card. Okay. The balance is low. What's going on with it today? The balance is low. I don't use it.

Starting point is 01:26:16 that much. And why don't you pay it off? Oh, you did. Okay, I'll cross this one off. But a tuberance. What's the point of Atkins? Athumbrance, you f***. Sometimes I can't leave my office.

Starting point is 01:26:26 I'm in the middle of doing stuff. Pack a lunch. Make a sandwich. Meal Plan. A 30-day budget meal plan for a reason. Pack your lunch meal prep. It's pathetic. No accountability again.

Starting point is 01:26:45 Okay. Oh, personal. And we got a personal. 10,000 that you couldn't send me a... You couldn't send a statement. What's the personal loan for? Of 10,000 hours. So that was, I got when my credit balance was up to 14.

Starting point is 01:27:05 And I was looking to see it into getting... I tried. Okay, this is so... Okay, so this is really stupid. It's so stupid. So I went to apply to see. if I would get accepted so I could pay off the credit card. And then they approved me for 10.

Starting point is 01:27:23 And I thought it was just like a, okay, cool, you can get 10. I didn't know it was a cool. You're getting. What's your minimum monthly payments? I make a two. What's your minimum? I make weekly payments. What's your minimum?

Starting point is 01:27:34 That's 187 every two weeks. It's like 17%. Okay, 374. Yeah, that's not good. Maybe I can't advocate it for you. Listen, I do advocate for a deck consolidation. and personal loans and all that shit, even bankruptcy. Sure.

Starting point is 01:27:52 If you change behavior, if you don't, it ends up right here where you consolidate under one and you bring all the balances up again. And you have double the debt. You just touched my foot. Don't do that again. This is disgusting. Don't make me nasty.

Starting point is 01:28:06 Don't. Listen, so, I mean, we opened a marketplace on Calebhammer.com to apply for personal loans if you're in that position of wanting to get a better rate because it's lower rates and stuff like that. in the position. So check that out at Calebhammer.com,

Starting point is 01:28:20 but only if you change your behavior first. I do know that I'm not in the position to get a personal loan. I am not ready. It's not for you. I wouldn't advocate for you. You haven't changed your behavior. I'm saying for people out there that have.

Starting point is 01:28:30 I want to change my behavior. Once you do, then you can look at Calebhammer.com and find the one that is better for you. West Lake. That's my car loan. Do you not own anything on it? Oh, no, no, no. What's your car?

Starting point is 01:28:45 It's a 2021 Hyundai Kona. $6,544.44. What's your minimum monthly normally? 474? Yeah, it's worth $2,570. Oh, there we go. That's it. Oh! You're so dramatic. Oh, I should be because you're a... You overdraft 10 times. Yeah. Yeah, I should be dramatic. You're not dramatic enough. I get paid weekly and so sometimes I forgot the... I don't get the bill. Dates correct. What?

Starting point is 01:29:24 That doesn't matter. Yeah, it does. Weekly's even more beneficial. I know. It allows you to... Shut the fuck up. Yeah, I get billed weekly. That's my issue.

Starting point is 01:29:33 It's not Taco Bell. It's not Opoiloco. Beans and brews. It's lit barbecue. Taking $104 out from our checking account for who knows what. Going and getting into bullshit.

Starting point is 01:29:42 PayPal transfer $104. Go in and get into bullshit from the gas station. Listen, I don't you don't do caffeine anymore, but you can do the hydration drink version. Here. I'm looking for the caffeine free.

Starting point is 01:29:56 Caffe free, here you go. So that's the hydration drink version instead of the caffeinated version. No more going to the gas station, getting some bullshit. Do your gamer subs. It's 40 cents a serving with the 10% discount using my code Caleb, but my link in the description below. Get your free sample, see what flavor you like. And then once you know what flavor you like, get that, 40 cents a serving,

Starting point is 01:30:15 make your energy drinks or hydration drinks at home. Instead of getting a Gator or a monster or whatever energy drink you do that costs expensive $4. $40.00. Come on, guys. So yeah That's my weekly payment Not the Popeyes

Starting point is 01:30:28 Not the Zelle Not the Nells auction of $41 Not to go in and getting some bullshit Natural 21 game Paypal 3 bucks Vegas Bakery Storage Unit again Even though we already had that

Starting point is 01:30:38 Another card Haley dating app 30 bucks for that one Zell and on 150 bucks You're paying more to people Than people are supposed to be paying to you Passion Nova Auction 70 bucks

Starting point is 01:30:50 PayPal TikTok videos $2 bucks Del Taco, Sin City Taco Cornish patients, shut the fuck. Okay, fine, fine. Well, answer. I don't know. Let me see.

Starting point is 01:31:01 I don't know. I don't know how to work. I missed it. Well, call her back then. The Bonfire, Albertson's ATM which raw, TikTok videos, Hobby Lobby, BBW Cupid. My mom called.

Starting point is 01:31:13 She's not happy either. Call your sister back then. Quinn Audio, Albertsons, eBay, PayPal, Walgreens, liquor, Parlet. Marina's fitness. Jack in the box, coffee, and beat. Call her!

Starting point is 01:31:29 Call her! Give me your phone. Give me your phone. Give me your phone. Give me your phone! This episode is brought to you by Activia. You might already be eating yogurt, but not all yogurts are created equal. Activia contains over one billion probiotics per serving to survive and reach the gut alive.

Starting point is 01:31:51 When it comes to gut health, Activia is the number one family doctor recommended. probiotic yogurt brand. Choose Activia. Feel good from the inside out. Visit Activia.ca for more details. Give. Off of me. Give me a phone!

Starting point is 01:32:17 Get on your chair. She's not going to answer. Okay, give, give, give, just give me the phone. Because you're an asshole. Give me the phone! Jesus. Here. Baby.

Starting point is 01:32:32 Sick! We will call you back! We'll call her back in the Post Show. You got $12 in here. You're overdrafting every second of your life. I'll get you a course career certification. I'll get her a course career certification as a win so she can not be a stripper with disability, apparently.

Starting point is 01:32:52 That's really common, actually. Mental? That they get physical disability. Okay. It's really hard on the body. It's down to $3,400 down to $257. Oh, I know my savings is trash. Oh, okay.

Starting point is 01:33:05 That makes it okay. At least I'm not delusional about that. Oh, about that. Great. You're the one who took it out. We'll call the axe. We'll call maybe the mom and the sister back. I don't know. I'm going to do a lot in the posho, but let's get this budget first. It'll be a good poshaw. I know that right now. Definitely not calling my mom. Why? Didn't she call? That's a no. Okay, that's fine. That's a hard no. But, but why? It's fine. We don't have to do, but why? She's got a really high anxiety. Oh, well, then, we're not going to call your mom. Yeah. I don't want to hurt your mom. Don't want to hurt anyone.

Starting point is 01:33:42 She's probably so bad. Huh? Don't they know where you are? What's going on? Yeah, but they didn't know that they were going to get called. I didn't think about it. Dangerous show. Calebammer.com slash apply.

Starting point is 01:33:56 I'll call anyone. Unless you tell me there's someone I can't call. And I will not. But have I done well? Not going over your no-nows? Mm-hmm. See? Chat.

Starting point is 01:34:08 You get to define what the no-nows are. Caleb hammer.com slash apply. Okay, so your debt minimum monthly payments, $1,947.27.25. Income, $4,880. So no rent, but you help with utilities and stuff like that. How much does this cost on a monthly basis? It's like $250.

Starting point is 01:34:29 Okay. How much for gas, a room, room, drive, drive? It's $50 a week. Okay, $200 car insurance? Car insurance is $3.75. because I also have renters insurance. And I pay for insurance for two vehicles. Phone bill?

Starting point is 01:34:46 Phone bill is 180. Okay, switch to helium if T-Mobile is good out there. I pay for the phone bill for me and my mom. Even still, 15 bucks a line. We're talking about switching to mint. That one's fine too. Helium's pretty much the same, but I advocate for it because better rewards. But either way.

Starting point is 01:35:04 Okay, how do the groceries work in this house in terms of you eating? I participate with grocery income. or I stick, I give her money for groceries, and then sometimes I buy my own groceries, and she cooks, and I do the dishes. I'll do 300 just to be safe. Okay, TP fund, anything else you need to survive, $150. Medical healthcare, there are copays on a monthly basis? There's copays, but they're low.

Starting point is 01:35:28 How much? A month. It's... Even if it's estimate. This is a close budget. Like $60. Okay. Jim, I saw one.

Starting point is 01:35:36 How much? 29. Okay. I will do subscriptions of 40 bucks. Pets. No, none right now. None right now. Okay.

Starting point is 01:35:45 Anything else that needs to be in this budget that I have not taken an account? My pets. I know. I'm sorry. You're an asshole. I agree. I agree.

Starting point is 01:35:56 I have a boxer and a pit bull. And there's so... I know. I love dogs so much, right? I am really sorry. That is the difficult thing, right? Where he can kind of like leverage it over your head because if you're the one leaving,

Starting point is 01:36:07 even though you should have been the one leaving, it makes it so that he probably... I'm like, you know, I want you to come by, you know, every week or two, you come see the dogs. Are you? I stopped doing that two months ago. Okay. And? Because he's been so nice.

Starting point is 01:36:22 Well, he doesn't need to be a piece of shit. I know, but it's like, I'm like, why all of a sudden I move out and you're doing exactly the thing I've been asking you to do? Well, to be clear, if he was emotionally abusive and certainly being an alcoholic, don't go back. But it's okay to be around him for the dogs if he's. being nice. But it's hard. They're not going to be my dogs. I'm not taking them back. No, I get you. Let's see with here, $1,151 and 75 cents left on a monthly basis. It just takes 41 months to pay off, which is really not that bad for the shows, three and a half years. That's not that bad. Now, you are going to have a rent situation that might push that further.

Starting point is 01:36:57 But if you bring an extra income, we'll see. Maybe it brings it back down to where it's still three and a half years. So just focus on paying off the debt. Follow the strict budget. Meal prep, meal prep. It'll be good for health. It'll be good for budget. Make your energy drinks at home, hydration drinks at home, all that good stuff. Use the resources we have. Pay off to set three and a half years and get a fully fully funded six month emergency fund. Use the dollar-wise budgeting.

Starting point is 01:37:19 You have to keep you along that way. And then you've got to catch up back up with investing again after the six-month emergency fund. And at your age, I'd probably do 50, 25, 25, 25, 25. 50% of needs, age, which will be 40 by the time this is done. But 50% of needs, 25% of fun, which is a lot of money for your situation, and 25% to invest in.

Starting point is 01:37:37 And you'll live a great life. But it's a sacrifice. three and a half years and it's totally worth it. Go make as much money as you can and spend as little as you can and you'll be fine. But the post show will not be fine because we have a lot of phone calls to make and it is going to be crazy. Let's get the hammer financial score first. You're getting out of debt situation isn't that hard.

Starting point is 01:37:55 It's a little bit of time, not as much for most people on the show. And you have the opportunity to make more money and cut your spending dramatically. Spending in a budget you overspent zero out of ten there. Debt, no collections. High minimum of payments and some dumb debt and over the credit limits, I can't give you better than one out of ten. Emergency fund, well, you drained it. So zero out of ten. Retirement, drained it at 0.10. Real estate, zero out of ten. Rounded up. Point five out of ten. Get yours at Calebhammer.com. Now click the join button to watch three premium shows posted every single

Starting point is 01:38:23 day, six days a week by joining Hammer Elite, including an extra 20 minutes of this episode called The Financial Auto Post Show. I'll see you there. I don't know whatever she's telling you is a complete lie. We were together for 13 years, but 13 of those years were just honestly one of the most miserable that I've had. So I don't know what exactly she told you, but please, like, tell me so I can clear it up. Well, how about this? Maybe she can say it herself.

Starting point is 01:38:47 Let's compare the FI lists. Let's fucking do it. All right. Yeah, yeah, yeah. Okay, let's start with your three DUIs. The seven times you've been arrested. You still live with your parents. Oh, shit.

Starting point is 01:39:00 Yeah, I'm sorry that I became raging alcoholic and I had to drink. But honestly, if anyone was with you, they do the same. Don't forget the summer budget reset is now live. Get a full year of dollar-wise premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below.

Starting point is 01:39:32 Save big. Claim your bonuses now. Hey y'all. It's Kelly Clarkson with Wayfair. Ever order furniture online and wonder what a. Like, what if it doesn't hold up? That sofa was four days old. You should have ordered from Wayfair.

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Financial Audit - Financial Audit's Most Disgusting Guest

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