Financial Audit - Financial Audit’s Most Special Guest

Episode Date: June 11, 2025

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Do we three months? Why does it all of a sudden we get to that? More extra photos to get off? Okay, there's about 50 different people on here. Danny Twink, XX Cash. There was maybe 50. There has to be 100. Kevin's when you graduated with a special diploma.

Download my budgeting app today and take control of your money once and for all. And for a limited time only sign up for the annual version of premium. and get my cookbook and notebooks signed and mailed directly to you. Link in the description and pin comment below. My name is Dax. I'm 39 years old from Oklahoma City. And we're about to do financial audit. We're about to do and now we are. We're here, financial audit.

Thanks for coming down. What do you do up there for a living? I am a truck driver. Cool. Long haul, short haul. Oliver. We're hauling. We're hauling everywhere.

Okay. Long haul can be some money. How are we doing? Okay. What's your income? 4,700 a month? Okay, is that Natt or are we talking gross? That's after taxes.

Okay, 4,700 a month. We're talking $56,400 a year. Now, Oklahoma City, though, as far as major cities go, not really known for being the more expensive one. No, relatively cheap. So how are we living? Especially if you're just on the, okay, how often are you on the road

versus having to stay at your apartment or whatever you live? I live all the time. Okay, so you probably don't need anything too crazy. I probably go home maybe once a month. Really? Okay. So how are we doing? Could be better.

Why? It's just a struggle. You know, I had a partner that I was with. Yeah. And I was basically paying all the bills with no help. Sugar Daddy? Yeah. Wait, actually.

I guess you can say that. Really? I guess you could say that. He was 32. Old is he? 32. A little twink? Not really.

Little dickoms. So that's what I picture. What's you call him? Dickums? Oh, bears. Bears. He wasn't a bear, but, you know. Sure.

Okay, cool. A twunk. Wait, why did Sugar Baby leave Sugar Daddy? Or did Sugar Daddy leave Sugar Baby? Cut up the check first. I did. You caught up the check. Why did you cut up the check?

No help. financially. Wasn't performing sugar baby responsibilities? Just how it was the numbers. Oh, okay. So, you know. Interesting. So what expectations were there going into that relationship then?

There was supposed to be help. How much help? Half of everything. Oh, so it was intended to be a real relationship. Yes. Oh, okay. So, okay. Misread that.

That's okay. How long are you guys together? What are you saying because of him? Because of little, not bear, chub, not twink. All finances are. They are. But you said because of him. I did calculate what I had for rent.

But the past like five or six years, it's been about $70,000. How can we even hold on a relationship regardless of sugar baby, sugar daddy situation or real fake whatever if we're on the road? Like, my stupidity of not ending it and hoping it would get better. But you were the one that ended it. So like, he. Yeah, years later. And plus, when you're on the road, you got a lot of, like, lot lizards.

Well, I guess a lot snakes in your case. I've never seen a lot lizard or a lot snake. Really? Accidents of the day back. I haven't approached once, but it took about six years. Well, that's my retirement plan, so it'll catch me out there. But, okay, so again, you're blaming this on that relationship. I want to confirm.

Yes. Okay. How? I was paying everything. Literally, what came in went right back out for bills. Okay, cheaper area, I get it. Bills, mandatory bills or what sugar baby wanted? Mandatory bills.

Okay, what was the mandatory bill? Rent, car payments, insurance, cell phone. Double car payments? You were paying his car payment? No. So, okay. What is the rent situation different? Now that you guys aren't together.

Who? So it's not really sounded like it's his fault because he would, whether or not someone lives there, you're still paying the rent. Right. But I was paying the rent. He wasn't paying anything.

Yeah. And now he still isn't because he's not there. And it sounds like the rent situation hasn't changed. No, do you understand what I'm saying? Regardless if he was there or not, we're still dealing with the same thing. So it's like, was it really because of him or because you're living in a,

you have a place that you just, simply can't afford. Still, when did you guys break up? Probably six or seven months ago. Well, there you go. You could have had a different place by now. So what's your rent? 1380.

Okay. No, what's the major issue here? I'm not saying that's like, oh, wow, pennies. But, you know, we're talking 30%. You're kind of 30% of net. Or where you would want to be for rent. I'm confused, even if he's not shipping. And then you're not paying for his car.

because there is no car payment for you to pay for if his, I don't get it. What's the immediate deflection in blame onto not twink, not chub? I was my car, my car payment. So he was adding all the miles. I was paying all the maintenance. Yeah, but you still have it regardless, right? Did you buy it before him?

Yes. Sounds like an immediate deflection. Not the best way to get a conversation started. I'll be honest. Go on. How was it his fault? The ex? But not having with bills.

What bills? We already established the bills you would have had and did have and still have. You know, if credit cards, I would be swiping. Was him swiping? No, he didn't ever had that. What the fuck? What are we talking about, guy? And hello, your cute dogs in the studio.

Yes, he is. Hopefully the top-down Mike just picked up the pups. Very cute. But what the fuck are you talking about? You just said he wasn't swiping. So why would he? It just makes sense. These are all your bills.

No, but he wanted to go back to school. So I was like, you can go back to school. Don't worry about the bills. Your bills. Well, our bills at the time. You aren't married. It was your bills. Your lease, you had that.

Your car payment. Okay, well, that part's a little different, but your car payment, your credit cards. Why would he be paying for your credit cards if he wasn't spending on your credit cards? He wasn't paying for my credit cards. I know, but you brought that up as an example. Right. Go on. He wanted to go to go to.

school. So I said, you know, how long is it? I think it was like six months or so. And hoping that that would improve his income. Going to school? Yeah. Because he couldn't find anything. That's not what improves income. It's graduating and getting into a career field, not just attending. And six months isn't usually a, unless, did he go to a boot camp? Did he go to... No, it was a trade school. I guess it was a trade school, but it was at community college. For what? Aesthetics. what income do you make

off of that? Well, I guess I'm not auditing him, but that sounds a little silly. I'll be honest, but again, I really you kicked out this conversation with blaming the dude. Yeah. Still haven't exactly seen how, seen how.

I would always send money also. If he didn't have money, I'd send money through. So that's the Sugar Daddy situation. Yeah. Only guys can't get to work or need food. The other dog needs food.

Okay. Well, it doesn't like, if we equate this entire situation to just him, that still doesn't seem right, I'll be honest. It sounds like self, I don't know, it just sounds like deflection, extreme. Okay, what's going on?

What's going on, man? What are we talking about? Well, I guess the whole death situation, it sucks. Yeah? Yeah, there's a lot. I've calculated. What did you calculate? In total with everything,

87,000. Yeah. Okay. You have a big push to get out of debt? Like, what are we trying to do? Okay, good. Because that gives us a reason to actually move forward. What is it?

Just the way the economy is. That's your push to get out of debt. I'm confused. What are you talking about? Talking about automation and replacement? like autonomous drivers for long haul What are you talking about? The debt situation

Seems like there's a financial collapse Like every eight to ten years And even with truck drivers There's still being I can have a collapse across the board? You know Where are you just talking long haul? No, just in general

Every eight to ten years There's not a Oh, every eight to ten years Like a recession? Right. But not like a great recession type of collapse And even that. It's still there.

But I mean, we've more than recovered. Like, that's not, it's not great. It's very hard for a lot of people. What did unemployment go up to? Like 10%, 12%, I mean, it was very hard.

A lot of people lost their homes. Obviously, it was the mortgage crisis. Well, there's the people who are losing their homes and their jobs. That'll always happen. Huh? Even as truck drivers. Okay, but what is this big fear you have? Specifically.

Having debt in general. Okay. And possibly being laid off? Yeah, that is scary. Why do you? do you have debt then? I like to get out of the debt to be able to have the weight loss surgery. Okay.

How much is that going to cost? I've calculated. If you get on in Mexico, it's about $4,000, $5,000. Hey, but we should be able to budget that within our... How long have you been trying to do this? Not long. Maybe three months or so. Okay.

I mean, I thought about the whole issue of, you know, what the recovery is, what... Yes. How are you going to do long haul with that? You're not. take time off. Okay, you have paid time off? No. I would have to save for it also.

What? How much do you have stacked up? Nothing. How? I mean, it's... Do you take time off all the time? Or do you not get it? I mean, I get it when I want it.

Then where'd I go? Swiping. Because that's like, huh? Swiping. Like my debit card, credit cards. That's taking time off? Well, huh? I mean, when I go home, I spend about $400 or so.

I'm asking where you're paid time. off accrued has gone. I don't have pay time off. Oh, I thought you said you do. Well, you know, you told me you had to accrue some. No, I, you mean money. I can take, yeah, I can take time off. Okay.

So you're just talking about getting a stockpile to pay for bills. Well, you take the, okay, and that's a few thousand, that's a couple months, right? For surgery? After surgery? You can be, you can probably be back within maybe three weeks, but I want to take longer off just to be sure. Yeah, because that sounds like, That's a big push. Plus you're on a pretty strict diet after that, too.

Which I know diet often gets complicated when on the road. Yes. So. Then why the fuck are you possibly in this much debt? How many have you accumulated this much debt? Years. How long? Four years, five years probably.

What are you doing before that then? Same thing. What do you mean? So you've been a crew in it since like 18. All this is since 18. No, because I filed bankruptcy before. You've been through bankruptcy. Then why the fuck are we here?

Because I don't want to get back into it. I don't want to file bankruptcy again. Why? Because this is actually easier than it was the last time. The first time I filed was only about 20,000 for the bankruptcy. That was discharged. Why did you go through bankruptcy last time? It was a piece of cake, though.

I know you disagree with it. Disagree with what? Bankruptcy. What are you talking about? Don't you always tell people, oh, it's hard or it's easy to file bankruptcy? Those are completely the opposite. What do I say, according to you? Is it easier or hard?

Because you just said both. They're very different. You disagree with it. Right. Disagree with what? Bankruptcy. Yes. I would like you to tell me what my opinion is since you're going to try to start something.

The thing is difficult and it takes too long. I've mentioned through the process that, it can be stressful. I'm not usually using that as a determining factor, and it's definitely on your credit for a long time, sure. Yeah. But no, just like debt consolidation, I say it can be a good tool,

but not if you don't change your behavior. And guess what? An example, if I've ever seen one, you didn't change your behavior. You went through bankruptcy. Now you're right back where you were before bankruptcy, so it did absolutely nothing. Correct.

How quickly did you start fucking yourself after bankruptcy? After the bank was discharged? probably three years after. Okay. Why did you start getting back into debt? Didn't even start until the relationship. Yeah, but I don't really think that's him. Come on.

Unless you were just going crazy. It's possible. For him. Spoiling? I don't know. Yeah, probably. You signed the rent. You got on the rent together,

but even still, if you were just rent with yourself, this is not a crazy rent regardless. It's 29% of your net income. You had the car payment before. You still have all these things. That is not him. That is not him. I think it is.

But you're not able to give me a reason how. You couldn't give me even what I thought about bankruptcy. Can you give me a reason somehow how it's his fault? What, it's bankruptcy? The finances that you're in post-bankruptcy. who said it started with him, ended with him, and it's still his fault, even though I just brought up points on how it's not. So if you're going to say that, defend it, back it up.

If you are walking around, if you are sitting, if you're going to bed at night saying all this is because of him, you haven't come up with a logical backing behind that? No, just I guess the whole swipe thing. So you're not only to take accountability ever. You went through bankruptcy instead of actually dealing with your shan, changing your behavior. You, now you're just blaming all this on him.

Yeah. Right. So sending your ex money, you said you did that. How often, how much, what? The amount varied. $20, $100, $200. How frequently? What are we talking, monthly average?

Because also, that is you choosing to do it. That is you choosing to do it still, though. It is. I couldn't give you the exact amount. I don't know. Like per month probably? I don't know, a thousand. Why?

He was working but wasn't working. He didn't have enough hours. He, he, he, he, he, he, he. Okay, what was his job? He was, I believe he was working at the airport at that point. May I do something? Sure. What's your relationship with him?

There's no more relationship. Can I call him on my phone? Will he agree with your story? Probably not. And he probably won't answer because he's at work. I can triple call. He won't answer.

I mean, you can try, but... Eventually. Well, we tried to call the ex, but maybe we'll try to call again in the post show. Remember, in our timeline, this is live. So, uh, okay.

So, not a single ounce of accountability to your name. I get it. I get it. I mean, it says you calculated how much rent you paid over the past five years. and you're like $70,000.

It's just you paying rent, dude. I mean, I don't get it. If you're paying half of it, that wouldn't be as much as $70,000 to be half. I know, but still, it's a pretty normal rent for your income, is all I'm saying. It's not the end of the world. If you were just budgeting, if you ever budgeted, do you budget? I do you budget. Then what the fuck is going wrong?

Just. Congratulations, you budget. $4,700 comes in on a monthly basis. How much went out that's month? How much was spent in total that includes on debt? You budget, you should know. I want down to the dollar. Budgeter.

It should be 3,900? 9,700. What the fuck are you talking about? Hell of the fuck. Yep. What the fuck are you talking about? Yeah, it's really all the X? Well, no, because I've got to cards.

And after bankruptcy, I bought in your car. Immediately? After discharge. Car debt? Yeah. After discharge, probably two, weeks, if that? What was the fucking point, dude?

Did you not learn a thing? Probably not. That's why I'm against it. That's when I'm against it as a tool. I'm against it using it in a stupid thing because now you have all this bad credit and then the bad credit from the bankruptcy. That's all just stupid.

You don't learn anything. Now you can't even afford a surgery to save your damn life. I know. I'm a fat fuck. Well, me too. What are the Cs? There? Double A's?

I mean, A? A. Dude, I'm at A level, man. Well, then we're together. Also, I want to move out to Florida. Okay. Is that cheaper than Oklahoma? I mean, are you going to have the same job?

Yeah. I'll stay where I'm at. I'm over the road. Oh, you mean your job? Yes. You'll stay where you're at. Right. I was going to say, I don't know if you know this Oklahoma City is not, in fact, in Florida.

Okay. Okay. So what does that change here? Is that not more expensive? Florida's more expensive. About $800 a month for rent. More? No. Where in Florida? Back in with mom. Mom? Yeah. I'm never home. Oh, okay. I mean, no offense, but I mean, why? I mean, at 40, that's a little, at least culturally for us a bit. Like on that, ooh, like why? Never home. What's the point of having a rent? I'm kind of vibe with that, but you're still a 40-year-old moving back in with mom. And you're not making bad income.

And you only fuck yourself after bankruptcy and try to pin it all on your axe. Right. What's the point of paying rent, though? I'm never really home. It's less about that. Again, it's the full picture. It's the you're never getting anywhere, as seems, other than your destination in the truck. It's, I don't know. It's just like going back home of 40, I vibe with the least like, hey, why. Ambition comes in all shapes and sizes.

At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. I have that overhead of rent. And it would only be 800. It wouldn't be anything else. So there wouldn't be power. And it was just flat 800. I have a note saying that you also blame it on your ex before the last X,

saying that it was financially draining. I think that's you. What was financially draining about the X before the X? Same issue. Okay, something tells me that one, you're not able to take accountability or two, people just milk you for money. Which what it seemed like. No, I think it's you don't know how to fucking control yourself. Listen, you blame on everyone except for yourself.

Then you move in with Mommy. That's 40. would be a mom with mommy. No, but again, culturally at 40, in relation to everything else, while going through bankruptcy, building all the way back up again, deflecting it on two X's.

It's like, if you're going to live with mom because we're rock bottom because the things we couldn't control, that's different. You've gone through this process. You deflect it. I haven't taken responsibility once, and then you go and move in with mom.

Come on. That's a completely different picture. Could be. I think it could do better, though. Could be better? Could do better. So why don't you? What?

I'm going to. I'm moving back home. That could do better? Yeah. You're just going to spend that extra. You're not separating. Look, you spend $9,000 again. I don't know how.

I spent $9,000. Math. Is that for every, well, that's for the credit card, but I'm saying, is that was it looked at correctly with what was just spent on that one month and not? Hmm. Wow, that's fucking wild. I thought you're the budgeter. I think you said to the budget term.

When it comes to swiping, it's just... What's the point of half budgeting? That doesn't get us anywhere. Look where it got you. Why only budget half your expenditures? That doesn't make any sense. I guess I just do the minimum on my credit cards. And I use more than the minimum to swipe, so...

So, what do you think your financial score is then? 0 to 10, 10 being the best, zero being the worst. Where do you think you are today? I did the thing online. It was a zero. Yeah, that makes sense. Also, that was probably like, I don't know,

like six months ago, but it's still a zero. Great. So no progress in six months. That's lovely when you don't even have your ex with you. Yeah, it's all their fault. If you want the assessment and you're not blaming everything on your ex, all you have to do is go to Calebhammer.com. You can take it, get your financial score.

And if you want to come on, just go to Calebhammer.com, slash apply. Don't forget, if you don't want to be like the guest, download the budgeting app, sign up for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail it directly to your door. We are going to talk.

We are going to talk about a $0. That's not zero anymore. Oh, for a f***ing. What is it? $5.51. Why? You have a $2.00 day here. You're not with the person that you blame anymore.

Why is it off? My food. What? What? You gotta eat. Oh, you gotta fucking eat. How are you gonna survive after weight loss surgery, you tit? Not eat.

You can't do that now. I mean, you literally hit a $0 debt in front me and you're telling me it's $500 something. Yeah. Come on. Weight loss surgery is going to be like bankruptcy. You're going to get it, then you're going to blow in your stomach again. Oh, no.

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I would say it's very possible. Let me see your phone. Pull up this statement. Did you fart? No, it's probably this guy right here. I know human farts. Well, you say so. Maybe I farted.

The self? There's two selves, so. Oh, whatever has the balance on it. They both do. Oh, for fuck's sake. You had to one at a time then. No, the previous one. Do you enjoy trucking?

Is it a fun? I enjoy driving. You're ever home. You can't form relationships. No. That's why I'm probably not going to have one next. I'm going to do myself. Okay.

I guess it fits with the debt. The, you're talking about 500. I see a 1,880. The other one. Okay, pull up the other one. I don't know if the other one. We'll get to that in a second. 551, exactly.

45% utilization. $26. What? I wasn't to pay that off because I got paid today. But? But when I budgeted, I can't. what because you haven't come across the IRS

debt that's supposed to come out oh for the sake buddy and the IRS that is your ex's fault no that's my fault so what the did you open this entire dumb conversation with dude you fucking kidding me

it's stopping getting some bullshit McDonald's getting some at Arbys really we're going to fucking Arbys of all the places that exist in this world Taco Bell what we're doing it's all yeah I know

I told you it was all food Why do you accept this? Why do you accept this? Arby's Taco Bell U-Haul, you-haul storage moving storage Got junk My gosh, what are you getting rid of?

I got rid of a couch Waterburger Getting some BS, getting some BS Getting some BS Baskin Robbins or Dunkin' Donuts Wendy's car spa Massage Envy Car spall is probably a car wash.

I'll be assuming. I'm not going to lie. You have happy ending massages written all over you. Really? You think so? Was it? No. Was it?

It was not. Was it? It was not done at a non-massage envy vacation. What? What was? Huh? Happy ending. They usually happen at other places besides massage envy.

you know, the Chinese ones? I don't know. It sounded very happy ending to me. I don't know. Okay. That's your opinion. Yeah. I guess, yes.

That's what I was saying. Divine nail bar. Let me see them. Okay. That's worth 25 bucks. On a card we can't pay off? Okay. Actually, that was probably a pedicure.

So it looks nice for the massagers. If you say so. I'm asking you, dude. Ah, here's the other self that we just saw. And by the way, the balance was higher on there. But fuck it, I'll just write what's on here because. But what's the difference? A couple hundred bucks.

$1,347.15. Minimum monthly payment, $26. Again, it was paid off and then you fucking purchased all that shit. Yeah. Why? It's way more than you can ever pay off. It's more than your rent that you complain about that he wasn't paying half for. Right.

Just in your purchases on, fuck you. So what was the point? I had a car that I sold. Oh, that's why I spent $1,000. What the fuck are you talking about? I had two cars at one point. So that's why you spent $1,000. What are you talking about?

I had all the debt paid off. After bankruptcy? No. After, well, not all the debt, but out of all the credit cards, I had all of them except one paid off. When? September. What the f*** happened?

Who were we blaming it on this time? Myself. Yeah. Only because I've called it out so much. What? What the fuck happened? That's just not getting a fuck. And that is more important than actually a life-saving surgery for you?

What's that? You spending, dude. True. That's you saying yes because it was a question. Hold on. Wow, you are in trucks way too long not having human conversation. Yeah, that's how trucking is. Really?

The only people that I talk to is customers, like shipers and receivers. Yeah, not very social, sure. And that's about it. Yeah. You have a dog? Yeah. But you're never home. Like, he's in the company.

In the truck? Yeah. He goes with you everywhere in the truck? Yeah. Is that a life for a dog? I've been able to frolic? He's everywhere? He plays.

Yeah, when you stop, you're in there? Every truck driver has a dog, pretty much. It's not a very good life for a dog. Yeah, he's okay. He sleeps a lot. Because he's in a truck, that's what I'm saying. Yeah, but in general, he's always been like that. Have you only been trucking for three years?

No. What were you doing before? I've been trucking since 2013. It's when I got my CDL. Oh, you dumb. Okay. Sorry. Yes, you've been trucking since the dog was born.

No. Huh? He's only three. You said 2013 is when you started. No, so when I got my CDL. How the fuck long have you been long hauled trucking, dude? Since 2013. I told you that.

I got my CDL in 2013. Pay attention. So he wouldn't know another life besides it? No, besides when he was born. You, dude. Oh, I need you to have phone calls with people. So you can at least have conversations outside of... I do have phone calls with people.

Hours on end. Who? Friends that I've known since 2013 or 2016. Okay. I don't, I just, you don't seem to be able to comprehend questions and deliver the answers to them. I was horrible in school. I don't know if it's a school thing. I wasn't the...

Okay. I wasn't the best of school either, but I... Well, it wouldn't happen when you graduated with a special diploma. Did you? Yeah. You look a little of Down syndrome. Is that why? Possibly.

Okay. I was born premature. Three months? Yeah. Actually, three months. I was supposed to be born in February. Advocates, day. It wasn't born until November.

Well, the first place you must have been was a day. because fucking go in there every second of our life. Actually, it was oxygen. For six months. And then a severe lack of it until now. Apparently I need to be back on it. You know, oxygen. Not the kind of you breathe on it from a tank.

Yes. Sure. All right. So, also going to the car wash on a different car wash, Sonic Drive-in Chili's, Bumper.com. Bumper. I don't know what that is.

What happens if I look up bumper.com? I'm a little nervous. I have no clue. Sounds like a bottom-in website. No. I absolutely don't even know what that is. Well, we're fine to now. I guess we will.

If it gets your fault. Yeah. Okay, it's a vehicle history report. Oh, right. Because my new car got hit by hail. And I wanted to see if it had already hit. the Corfax. I remember that transaction.

Chili, though, that was before. Mexican restaurant, B.B. of Pearl. Bear back. Amazon. Amazon. Blue Beacon. Huh?

B.B. A pearl. Blue beacon. Oh, we're going back to that. Flying J. Okay. Pull off that Amazon. Let me see. Let me see. There's actually a lot of purchases on there.

One of them. What? For, uh, it should be on that. Great. I love when they're able to deliver to us on a highway. What's that? Can someone help me here? I'm alone in this. He's not involved either.

There's the orders. I'm sure if that's what you wanted to see, but. Do I have to bring in the translator for this again? It's been a second. Dog grooming kit, yeah. His lots of purchases are four. Baby clothes? Huh?

Babies. What about babies? That's what it was. That should have been my last transactions. No. It's dog grooming. Babies.

Is that not on there? No. It should be. Hipit, portable bidet. Oh. Oh. There's nothing wrong with a bidet. You never used one?

A portable bidet. You're taking places. There's better than some of these... PetFaves dog wipes cleaning. Huh? I said some of these truck drivers, they'll grab water bottles out of the cooler. They'll shove it up their ass.

Okay. Well, no babies. Should be on there. They're not. Babies are gone. I was a... I don't know how those transactions are on there. I had a dream of yours.

No. Not mine. It was my ex's sister. She had a baby. When? You know, I'm looking at recent history, right? Um, three months ago. Okay, let's bring in the translator.

Before this guy starts talking about oxygen tanks again. All right, Brandon, we brought you in. You're looking a little thuggish today or something. Handsome. Oh. Handsome. You know, he's a big fan. Of yours.

Of me. He knew you. I never said, Jim. What? You're like, I know. Oh, Brandon, Brandon. Oh, from the previous episode, right. Yeah.

He must know you from the membership. content or the pre-translated. And you must know. I'm going to need it again because he just drops things. You must know you severely f***ed up if I'm here. Yeah. Listen, I'm lucky enough to be able to tell you this. And I wish I had all the resources that exist right now in this world to have changed my life

and got my shit together when I needed to back then, but it didn't exist. So my team and I put all of our resources, all over time, all of our energy and making the best educational resources we could ever make. And guess what? We have literally a quarter of what the industry average refund rate is, even though we guarantee free refunds for a full month. That just shows that we provide the best in industry education. And listen, I get it. Our business, education be kind of expensive, and we put a lot of work into it. But right now, there is a sale until a couple days from now. So make sure you check it out. You can bundle all of our programs together and save a lot of money. It'll change your life. All right. Well, translate from me.

me because apparently I'm need more oxygen. I could see that. Okay. Okay. Let's talk about the discovery, shall we? Sure. Okay. What's going on with this?

That's been like that for two to three years. Why? Just I haven't been working on, I've been trying to work on the other cards. And that one's been on the back burner. but it's the most... It said it's fucking credit max. It was above the credit max until a day ago, essentially. Right.

It's been to the max the entire time. I pretty much almost immediately maxed the one out. That means you continue to max it out then. No, I can't. What? If it was three years, it wouldn't have still be at the max? Well, no, interest. No, not if you're making the minimum of the payments.

It would not be $3 from the max. Either they're not making payments or you're purchasing sometimes within the last three years. I probably purchased, but I don't know exactly what it was. You farted again. Dude. It is $125. Do you fart?

A minimum of the payment. I know dog farts. How do you know that? I have dogs. You want pause only? Pause only. What is that? That's your job.

I got confused. But I paid just enough on the credit card off just so that I can spend. I might need a translator for him. I don't think that's Greg. Another one? What are you talking about? Fucking dog farts.

You know, he's bringing it up? No, you said I have paused only? It's a joke. That's probably the only fan. Only fan. Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars.

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Why are you okay with that? That can't beat the rest of your life, man. I don't know. is I think a better off single. Why? I think I do better. From what ways? Because you're not sending sugar baby's money, sure. So what?

Happy massages and grinder for the rest of our life? No. Well, then what? What is your outlook? Because there's no point, like, what's the point of getting the life-saving surgery? What's the point of paying off all this debt? if there's no future to live for?

What are you trying to do? You're not even willing to, like, date again? No, not right now anyway. Why? I don't want to be in the same situation than I'm currently in. Just don't get someone that relies on you for your money.

You don't even see them anyway. Right, which is why there's only... And lot snakes. Okay, okay. Well, $104,88 sense of interest with $125 minimum payment, and you're just getting that, O-F.

No, no, I'm saying throughout all the cards. So when you... It could be on all the cards. I guess we'll find out. So, to be clear, you blame the two X's for your financial mess, even though we've obviously proven this wrong, and you also keep the dog around just so you can blame them for when you get yourself in that chair.

So everything is this endless deflection with nothing to look forward to in the rest of our life. I'm trying to pay them off slowly. I'm trying to start with the lowest balance. credit card to pay them all because there is cards that you don't have. Your lowest balance was zero and you brought it to $500.551. No, because there's other cards you don't have. There's no balance. The lowest card you had was zero dollars and you brought it to $551.

Right. That was supposed to be paid off today. But then it wasn't because you have IRS debt. Correct. So what the fuck are you talking about? Snowball, does snowball methods suggest put money on a credit card? No. It's to pay it off. It's a modified snowball.

How's that modified snowball working for you? Not too good, apparently. Let's just try avalanche and snowball. At the same time. It could work. Up and down at the same time? I don't know. We'll see.

Buddy, porn's free. Up and down at the same time. How much are we spending on the O.F? I am not going to ask to see his OF. I do not want to see it. Oh, it's not mine. No, I know what you subscribe. to.

I don't know. It's only like $7. Maybe a max of spent. So brand in what you subscribe to. There we go. Instead of me, he'll try, he'll translate for me.

I don't think you wasn't see that. Pull it up. Here we go. There's nothing on there. It's all canceled. Let's see. We'll see the past subscriptions.

You can see everything. You can see everything. I heard through the grapevine. Don't grunt just to pull it up. No, I'm trying to think of how I usually log in. How many total subscriptions are there? It should be zero.

I just said that. No, no, no, no. In your past list. Oh, I have no idea. I couldn't tell you. Ladies, if you're out there doing OF and you want a career change, I'll gift you a course career certification and get you out of that. And you probably need therapy with it.

So I'll give you three free sessions with Sondermine. Is it all? Take it? Is it all? Translate. What are we saying? I'm not allowed to say names. Stars, hearts, lots of eggplants.

lots of eggplants. Wait, what? Okay, that's kind of a crazy name. Look at that name right there. One letter off. He has a lot of, I see a lot of messages. You do have a lot of messages. Translate.

Okay, there's about 50 different people on here. Who are we talking to? Nobody. Danny Twink. X, X, Kash. Some of those are probably so old. I don't even know who they are. This is fucking wild, dude.

There was maybe 50. There has to be 100. This goes, Ah! There was a video at the bottom. Translate. What's a video? What's a video say?

Tidy, Wydies, and a six-pack. And it wasn't a female. I don't go down that far. Did you see how long I was scrolling? He was scrolling for a while. What was that, like two minutes? How much do you normally pay on the OF? How much do I usually pay?

I don't pay. I just subscribe and unsubscribe. Yeah, but how often are we doing this? Not often. Maybe one, three, three months. Why? Why does all of a sudden we get to that? Want extra photos?

Or video to get off? Wait, extra what? Photos. Oh, okay. Goon maxing. It's free. That's all I'm going to say. What's free?

And sex. Yeah, true. Except not the places you go to. No. Okay. Okay? I don't think he's okay. He's never experimented.

My three fee sessions is on their mind? Pass it over. You'll need it. Double it or nothing. Well, you can gift him one of those monthly subscriptions as well. I don't think he's into that. Okay. Interest charges here so far on here

Nearly 350 bucks Fees you had a fee I told you I told you dude You had a fucking late fee this year so far On this card I don't know how that's possible It's on auto

It's possible by you not paying it It's on auto Everything's on auto You didn't have enough money In your checking account Well it's on auto But I usually pay it Before the due date

Don't care You've had a late fee this year Just one Just one I don't know how that's possible by you not paying well no shit well that's how it's possible

a further down conclusion would be not enough money in your checking account when the automatic payment we're supposed to happen if I may we're spending our money on all which is more important than paying for your own rent having your own independence

okay okay okay I told you that you don't just stay at the height at the top of the credit card limit for three years without purchasing or without late fees. And now we know there's both. Yeah, I had no idea there's a late fee.

I don't know how that is. Verve credit. Balance $1,660. $182 with $15 of fucking fees for why. This is probably the annual fee. Annual fee or the... That's a monthly maintenance fee for fuck sake. $20 to purchase is why are you possibly purchasing?

On a car that you cannot play off that there are monthly maintenance fees, which, well, what is even the fucking credit limit on this thing? Do you know? On that one? Yeah. I would have to look. Interest accruing 50 bucks. So we're purchasing our car that we can't pay off that fees are being accrued.

That takes five years to pay off doing our minimum payments only without any purchases, which is fucking crazy. It's fucking crazy. $85 minimum monthly payment. I mean, $84. minimum monthly payment. We have necromancy. Oh?

Necomancy? I don't know what that is. I thought we were fucking heavy massage is not necrophielling. I don't know what that is. Necromancy. That's what you purchased. SP necromancy. You're purchasing it on the card that you cannot afford.

You are the one who has swiped. I understand it, but I don't know it is. You're the one who budgets, you said. You don't even know what the fuck this is. You don't even know how much you spent. On that, on that card? I don't know what that,

what you're calling out is. Overall, you remember, can we go like, fucking 20 minutes ago when he said, you thought you spent like 5,000 or 4,000 when he spent 9,000? Right. We swipe and then we snowball an avalanche.

We don't budget, boss. Oh, for fuck sake, okay. This is a fun one. I get to, get you free money and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SOFI high-yield savings account and get a welcome bonus of $300. Sign up for Acorns using My Link and get $20 instead of the usual $5. Finally, sign up for Silo and earn up to $5,000 and cashback on your own stocks. These offers

have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself $5,320 right now. What the fuck are, like, you're just going and getting this thing and you're not even know what it is. Or you're not even plotting out your purchases. You don't even know what this is. I'm being told to some kind of makeup or cosmetic thing. I don't know. I mean, there could have been my ex probably purchased on that because I know.

Fuck you. Six months ago is when you broke up. You fucking, this is a month ago. He still had it locked into his phone. I told him to delete it. Delete all my card information. Can't fucking reset it. I can't reset a card number. Yes, you can.

You say it's lost or stolen, you tit? You could. That's what you do. Yeah, but then it just shows up to the house. When you order a card, it shows up at the house. Yes. Right. and then he gets the mail.

I'm never home. Are he still there? Yeah. You broke up with him six months ago and he's still there. Yeah, but he's by himself now. No, he's by himself. You're paying rent. No, I'm not.

You said at the beginning, you fucking said you're maintaining the rent you had. No, the rent is done. Oh, buddy, I can't get a fucking answer out of you to save my life. That is correct. Because then I learned something completely different. That is, what are you talking about?

At the beginning, you, What the fuck, man? Do you know what's going on in your own damn life? Yeah, there's no more rent. The lease ended. And he took it over? Yes. Then why at the beginning did you not tell me that?

And where are you living now? I'm moving back to Florida. But six months ago's when you broke up, where have you been living? The lease wasn't over. When did the lease end? last month Where have you been living for a month? In the truck

Okay With the last next Okay No my dollar 36% interest rate To the 36% That's the highest one And you purchase makeup

That you don't even know about it You refuse to get it And reset the number Because it shows up Change the address That it shows up to you tit And then request a new card.

Does it take like 30 days or so? What? To do a change of address on a card? I've changed my address on card multiple times. I don't know. I also don't check the mail very much because I live in the 21st century. So, what's worth to try?

Is it not? You're just going to let him spend on here forever. You're still sugar baby, but you don't get any of the benefits. I've locked them out. All the credit cards also. So I'm talking so much bullshit that I'm getting confused. Yes. Because you fucking said this would have.

been him. That's impossible if you locked him out. I didn't lock him out. I just locked it. I just locked it. I am a prosecutor's dream. Buddy, I don't think you know what's happening around you. I'm concerned that you're on the highways. There are signs you have to follow. Yeah. No cop, no stop. Well, just keep going. Okay. I'm moving on. Sir, you clean? That's the same company. So it's going to be high interest also. Oh, good.

That sounds like a great one to purchase. $836 on then. Was this same too? No, that was probably me. Because I have all the cards. We snowball and we have lunch. Okay. Sir Euling.

Sir Eulene will have a balance of $1,464. and 69 cent with interest charging $42. and $89. $675.77 was the previous balance. You only made the, we made a $90 payment. Then you purchased $830,000.6.3. Why? I'm assuming it's on food.

So not all on food, but it's mostly on food. Arby's. More Arby's? Why are we going to Arby's? So does that truck stops? Got to have the meats. you already have them the meats were in your only fan

it's true winning got some bulls scooters coffee Amazon marketplace regal's nail salon that has to be a front that's double nail salon in the same month is that where the happy massages are done these days

no I haven't personally investigated reagle shouldn't be the same month it's the same month I don't know how that is then I went once and then I went again And I thought they were different months Lipsalon and a lion's law and spa You go to a lot of different

Questionably named Parlars But you go to different ones on the roads Do you check? No, because there are another roads Huh? Those aren't on the roads Then why are we going to

Because I do that on my home time they sound very fishy you wouldn't admit it if you did it would you admit what I appreciate a local tug would you know

I don't know we'll find out I mean come on I definitely appreciate a local tug yeah winning got some bullshit I mean come on I've had enough of these conversations I I'm not going to make you say it

$60 and 96 cents of interest accrued this year so far. It's about to be a lot higher because it just doubled the balance with the 35.9% interest rate. Capital one. What's going on with this card?

Which capital one is that? Capital one platinum. That's a secured card. There's only a $200 balance on there. What's going on with this card? Because that didn't answer any of the questions. All I see is you're above the credit card limit. I use it for when I go on money in my account

for food. Brother needs to eat. I'm hungry. Buddy, you know you're getting a surgery for this, right? Yes. When don't we start to... Yeah, you know, do you know why Dr. Now, big fan? Dr. No, yeah, yeah.

Yeah. Do you know why he makes them lose so much weight before they're allowed to get the surgery? No. Because you're a fat fuck. Come on. Try to use the brain. And no, it's just in the truck all day. Try to use it.

Why do you think? You guys look like a very cute gay couple that I'm sure you're used to in the camera that I'm looking at. You wouldn't, right? You'd hit. No. Oh, what the fuck? You just insulted my boy. All right.

Don't worry. No, I'm not sure why he does that. Come on. Think, think, please. Think. To show a willingness to? Okay. Headed in the right direction. One, I mean, this is the obvious.

and it's the stated reason. It's a very risky surgery, so getting them under as much as possible, getting them lose as much weight as possible makes it less risky. That's the obvious. Two, it's the showing that they have any inkling of the behavior that is going to actually make them lose weight after the surgery because all it is doing is reducing your stomach by, what, 90%.

So with that, it's showing that you're going to actually maintain through. However, you are very clearly not, and it's just like your bankruptcy situation, which makes me nervous to have this surgery because you don't change your behavior. You try to do the shortcut options instead of actually putting in any work before or after. We all have that dream trip.

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Or visitpriceline.com and book your next trip today Go to your happy price, Priceline Look where we are after your bankruptcy The same thing's going to happen with the light Not the lipo, the fucking gastric bypass You're gonna get it And then you're gonna balloon it

I hope not I don't think so But you're probably right Caleb I'm probably right Because we looked at your past Come on It's a huge failure rate with that surgery anyway when it comes to people actually losing over time and holding. The bypass?

Yes. It's better than the sleeve. Okay. But it's still behavior change. And you have no inkling of behavior change. You do shortcuts and then blame game. That's your entire life. Okay.

Well, again, you're over the credit card limit on this. You paid off a previous balance, but then you purchased $451. And 86 cents. Okay. Well, we started off with every card like we always do with Arby's. All right. Why are we starting every card with Arby's? What's that truck stops?

There's only Arby's, Subways, Chester's. Subways would be healthier. Chester's would probably be tastier, even though I've never had it. But it's fucking Arby's. We had their burgers? No, because it's Arby's. You should try it. It's actually pretty good.

I eat deer ankles. It went in and got some bulls. Wendy's McDonald's, Dunkin' Donuts, bullshit, bullshit McDonald's, noodle dumplings, BS blaze pizza, Etsy.com.

Where are we even ordering that to? To the Etsy. Do you're trying to win them back over? No, that's probably one of the ones that was locked into his phone. I don't have it, I don't never order from Etsy.

Oh, for fuck's sake. I'm lying. Yeah. Come on, dude. I can't believe it. were just saying at this point, noodles, McDonald's, Sonic Drive, and you're going to Sonic 2. Disgusting. Drinks.

Yeah, the price point kind of reflects that. First truth you've told. Taco Bell, Dunkin' Donut, Baskin-Robbins, Chick-fil-A, and other Etsy! Yeah, I don't... Etsy's, I don't know, I've never purchased from Etsy. Sugar babies with no sugar. Yeah, where is it? You're not getting the sugar.

It's Splenda. Dude, you're not even getting that. SP Wild Bloom. Doesn't ring a bill. That's the website? It's the purchase name. I have no idea. Let's look it up.

I don't know. It's all fucking blonde, over-tanned Karens. That sell, like, Etsy jewelry, honestly. Yeah, I wouldn't. That's not in mine. I mean, it's on the car, but I have no idea what it is. But it also... Can we see what your ex looks like?

I don't know if he fits in that. From everything I know. This! $40 of Grindr Premium! There's no way. Buddy. What are you doing? That's what I was saying about.

Poor thing. Right. I don't know how there's $40 and... Yeah, I'm fucking on that one. Got me on that one. But a party, you believed it. I did. I got to chat GPT the image first.

If this person looks anything like my translator here, I'm going to be... Definitely not. Brandon is a handsome man. You shouldn't date him because he's a horrible person, but he's a handsome man. Damn, you think about your employees? Yeah. He's a part of the Goon Squad. We go back and forth.

It's all in the YouTube membership, baby. The best one on the platform, link in the description below. Wow. We don't know his name. I didn't say that. I'm looking for a photo. You asked for a photo, correct? Instagram, Facebook.

I don't have Instagram. You don't have Facebook. Every boomer has Facebook. How do you find sex? You all find sex? These days. I don't. But you would be interested to know that actually

that is how I met him. Grindr. Yep. Oh, it's so inappropriate, but I luckily have his legal consent, so I don't really care. When is the last time you had sex? A long time, like, probably two years? The Asian parlor does not count. Two years?

Wait, you broke up with him six months ago. That doesn't mean. I'm never home. But you said you went home once a month at least. You had to, like, take a break or whatever, not to, like, have sex. With your partner? Correct. That you paid for?

when I purchased an item I like to make good use of it 100% There was no sugar in this baby Oh there was sugar in that baby It just wasn't as You want to see it? Yeah

Both of us That's an old photo I said it was a small little twink I fucking told you And yes This is the most as clear as day Sugar Babyson Can we be real

Can we be real Sure, he's half your age. Come on. That was the sugar baby situation. Was it not? It more than likely it was. Come on. There we go.

I mean, you guys didn't... I mean, listen, I ask wild questions. I ask inappropriate questions, but they always lead somewhere. Come on. Here's the one before... They're like night and day different.

Well, let me see. He went from Twink to... To... Yeah, just... Slightly older, Twink. I mean, I get it, but yeah. Okay, okay, okay. Well, that confirms.

Was the one previous to Sugar Baby, too? No. Okay, see, I want you to find love and a reason to, just a reason to go home, a reason to do things, a reason to put in the work, a reason to stick around. Because the main thing is, it's just like you're not going to get there with the Sugar Baby situation. You're just not.

Okay? Okay. I want you to find love and love. and looking for sugar babies isn't going to do well. Let's kick Brandon out and go through these conversations. Thank you, Brandon. Good translator. Woo, bro. Come here. I don't need a translator to get through the rest of these.

31.24% interest rate, certainly not good. Obviously, the method is not working. The avalanche snowball? No. Yes, the combination that goes nowhere. Okay? Oh, for fucking money to family. $600.

for what? Whatever, I'm never negative in my account. Why would you be negative, though? You don't have overhead. Whenever I'm negative on my account. I don't even ask me. I'm asking you why I should have kept him in here. Answer the damn question.

Why would you be negative in your fucking account? When I calculate to pay the bills manually, there will be times that I don't correctly input it. And I'll forget. You get harder to listen to when he's not next to you. Okay. Listen, buddy, you make good income for someone with no overhead. Limited overhead, let's be real.

But do you own your truck or do you rent your truck? Neither. How many driver? Okay, that's even better, right? Yes. So what's the fuck? What's a fuck? How could you ever be negative?

No surprise you had a late payment, right? If you're just saying you're negative, when did you borrow from the fam? Um, when I'm negative, if it just gets sent, I don't even ask. What? How would they know? She, um. That family member? Yes, that family member, um. Has access?

She has access. I, you 40? Benefits. Huh? Death benefits, you know, if I were to pass, they have access to it, and vice versa. You can still... You can still... You don't have anything, by the way.

You don't have fucking assets. But either way, you can still have a will where it goes to them. Why do you... You don't need... That's embarrassing. Purchase everything in our credit cards as a 40-year-old child. And then family member comes in and bails us out because we put all our money towards paying off the minimum payment on the credit cards

using two combined non-payoffs. methods so they see oh Arbor doesn't have money let me put it in for him when you just go and blow it all on fucking Arby's an O F come on do you not see how much of a joke that is that's a joke that's a joke I disagree how because I don't ask for it it's automatically done I didn't say you did. I didn't say you did. I said you go and rack up all the money on bull spending on cars they don't have access to. And then in order to make your payments, you drain your accounts.

Then they say, oh, no, poor will, bull will. Jacks, Dax doesn't have all money. He doesn't have money. Let's give him money. I mean, I don't ask for it. So she's there. I just said that doesn't matter. It's how you do it.

It's how you do it. It's what you do with the... How are you not comprehending that, buddy? Big guy. Friend. Mr. Jacks. Dax. Why are you not able to fucking comprehend what the fuck I am saying?

Lack of oxygen. Yeah, where's the tank? Behind you. Wow. Who you think you're clever? Jeez, that's... That's a rough one, man. I'm sorry.

I'm sorry. Woo! I got to get you out of the truck. It's not a good place for you, not a good place for the dog. Okay, fam. $600. Do we have a minimum fee payment agreed upon for that?

No, that's the one we just discussed. Huh? That's the one we just discussed. She don't care. She don't care. There's no minimum payment. Don't believe to give me in care. My boy.

Are you on? Okay. There's no agreed to. upon payments. What have the conversation has been around this? It's just pay me back when you can. That's all it is. But if you don't ask for it, it's just given upon

you. It's a forced upon death. I can see that. No, let's not make you a little victim. I'm giving you that ability. No, no, no. You don't need that in your life. It is a debt, but it needs to be paid back, but the conversations, you have it? What do you say? What does she say?

I would ask how much in total she spent and she would tell me but it's not how I'm asking her for the money I've never had someone fart in the studio this many times and I know the difference I know the difference you are not getting out of it it's just leaking and you probably don't even know that's gross yes but I'm the one smelling it

I don't know what you're smelling because I don't smell anything Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget, no matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the very first time or grow a lot of money. a massive rental property empire like I have in my own life. And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage.

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or just click those links in the description below. Money to a friend. Yeah, money to a friend. Fucking two years ago, it's $1,9191. It was more than that. What the fuck are you doing? But it was too, you haven't paid him in over two fucking years, though. It was originally $4,000, but you haven't paid it two years.

Right. I want to push to pay. What the, with the, by not going to Arby's, you fuck, by not getting happy endings. What do you think? By not putting the money where you put it. and giving it why did you borrow this? And why have you not paying it in two years?

Let's hear an answer. And don't tell me oxygen tank. Um, I don't exactly remember why it was borrowed. Oh, for a f***ic

sake. You're not... I don't remember why it was borrowed. It's been so long I couldn't give you a re- It's been four years! Yeah, I can't remember what I borrowed it for. No, I...

No, it's been four years. You did not have... borrow it at four. No. You know that, right? That's not what I said. That is what you said. No.

It's been four years. I don't remember within the previous four years what the money was borrowed for. Okay. I know what the fuck I do. How do you not know? I just don't remember what it was for. Four thousand hours to a friend is not insignificant. It wasn't four thousand at one time.

You told me it was a $4,000, you told the producer it was a $4,000 alone. You took it out. It wasn't at once. What kind of stuff were you borrowing it for? Dax? Probably rent. I don't know. Why?

Because I was contractor at one point. But you didn't even have an ex to blame it on at that point. A fake ex. No. We were still in a relationship at that point. It doesn't make sense. You said you were together three years and you broke up six months ago. No, it's been six.

Six. And we broke up about six months ago. What did you just? Dex! Dax! Dax! My impression is Dax. So what the fuck are you talking about?

The debt, I don't know what it's, the debt, the $4,000. It's warm in here. I want to make sure you are not having a stroke. It might be. No, no, no. Like, I'm actually asking because you are not comprehending these questions. Are you okay? Yes.

Okay, then fucking try. Because I literally just said, that and then he said it's been six. No, it's been six years. Says what? In a relationship. What? Oh, okay. That was the six year relationship. Sorry, I thought I remembered three.

Yes, the relationship with my current X has been six years, but that four year has, I don't know what it was borrowed for without, for the four years. I couldn't tell you what it was four. Okay, why haven't you paid in two years? How about that? Because he don't mind. He'd much rather have the friendship. He don't mind.

He much rather have a friendship. We need to practice just talking, man. Go on. He much rather have the friendship than have the money back. It should not be either. Or, if you're a good friend, you'd pay it back. That's true.

Yeah, it's true. So why the fuck aren't you? I didn't ask, why isn't he asking? I'm asking, why aren't you? I kind of forgot about it. Honestly. Bullshit you fucking told us. Yes.

Answer. The question. I don't know what it... I told you. I don't know what it's for, dude. Oh, for you. No, it's not because you forgot about it because you literally told us about it. So why the fuck not?

I just haven't. I kind of forgot about it. Be honest. No, this not to be honest. You, I don't think you've been honest once in your life. What happens if we call your friend? What would he say? Well, I just told you.

Call him. and ask him his opinion on the debt and that you haven't paid. On the debt that I owe him? And that you haven't paid in two years. Mine of the debt is $1,991. Yeah, you gave us down to the dollar, so you don't remember?

Speaker to hear. We'll bleep names have names said it, so it's okay. Do people not know how to pick up phones and... He does flat bets we want to be. We are filming a The Financial Audit right now. Okay. We'll try them again in the post show. People are not answering that now.

Should I... They don't know how important this day. Yeah, give him a text. Give them both a text. Say you want to talk to both of them. The X and. You already tried to call him the X. Yeah, text him.

Just asking if he can pick up. He's like, what up, Twink? He would have already called you back. Just text them, dude. I have, do not just serve on, so he may have. Okay, why do I see debt to X's sister? That's for the car, because I don't have a car for a car vehicle? Yes, vehicle.

Okay. Instead of the car that I sold that I paid the debt off with, my current vehicle that I have that I purchased after was hit by hail. So I didn't have... Insurance? Rentals insurance. Rental? Yeah, rental when you hit your vehicle as an auto body shop, I didn't have a...

Oh, yes, okay. You bought a car. You're great at protecting your data, but lots of places could still expose you to identity theft. I thought it was safe. If that happens, LifeLock gives you a U.S.-based restoration agent who will stick by your side from start to finish. Phone calls, filing documentation, preparing insurance claims, your agent handles it all.

In fact, we're so confident restoration is guaranteed. Pour your money back. Isn't it nice to have someone like that on your side? Save up to 40% your first year at LifeLock.com slash Spotify. Terms apply. Arwen, it was in the fucking shop? Yeah. That way he could have something to drive through it,

work. But why did you just use the justification of your car being in the shop for you buying a car? And also used his sister's money? No. I see money owed to X's sister. Yeah, I bought the car from her for my ex. But used the reason of your car being in the shop. Hellstorm. It was in for a month and a half.

Yes, I know why. We've established that part. You said that's why you got the car and then he said it was for him, but you said it was because your car was in the shop. Right. I didn't have a rental agreement. So he needed to get back and forth to work. So his sister had an additional car to use. You drive him back and forth to work typically? No, I'm over the road.

So why does your car being in the shop matter? He's the guy repaired. There was only one vehicle. Okay, so he used your car? Yes, he was using. There we go. Dude, that is so much easy. Why could you just say that?

You pretend like me in the audience, and Lindsay and Jake already know your life. We don't. We're uncovering it right now. You have to give context. Dax! Yes, there was only one vehicle. Are you paying her?

Yes. How much a month? $200. Okay. How much did you borrow at the start of it? I didn't borrow it. I owed it the full balance of $2,700. Okay.

And it's $200 a month. I never know what I'm walking into, and I'm walking into this room. I've paid about $1,400 of it so far. Yes. Yes, you have. Okay. And please tell me you're not paying for the insurance, right?

Yes. It's under the same policy. My current vehicle. Yes. Get a different policy. You're paying for your ex's car, insurance? Yeah. You're dead and without the sugar still.

Still, yep. Even though it doesn't sound like you got much. But regardless, why? Get into a fucking policy. I need to. It's kind of expensive. Why? Why?

Do you have a different policy? Why you aren't getting one? I need to. I'm asking why you aren't. Because I was calling around getting quotes for insurance. Why, it takes five seconds online. It takes five fucking seconds online. I know.

It takes five seconds. What calls are you making? I've gotten some quotes. I've gotten some quotes for new insurance. It's about the same. Do you want to be paying for his? No. That switch.

I agree. Why aren't you? I need a switch. You haven't answered why you're not. You answered you've gotten quotes, but not the why you have not. Because he claimed he don't have money to put money towards. Claim he don't have money. Towards his own insurance.

Because you've got to have money down. Does it matter? It's him. It's your ex. You are not the providing the money anymore. It shouldn't matter now. Okay Very focused on a black screen over that

Okay Huh? Life 360 I'm muted It because they call back Okay There's the IRS debt Yes

Wonderful Why the fuck do you have IRS debt Because that was when I was leasing a truck through a company And It I never paid the taxes on it It built up Because you're a contractor

Correct. Not because you were leasing a truck, but because you were a contractor. That was the tax structure. Right. The way you answer these questions are... Can I let you know something, Doc? Sure.

We almost ended this conversation 15 minutes in. But I'm very glad we didn't. Because this is so interesting. You are such an interesting person. It's been a while since you said that. Huh? It's been a while since you've said that.

Do you watch every episode? Yeah. Why don't you know how to act then? There's the camera, yes. You nervous? Yeah. Okay. Okay.

It's okay, buddy. Your dog's here. 13,000, $528.41 cents owed to the IRS because you were a contractor. Didn't save a... More than $13,000. there's three years. How much?

Oh my fuck. So that's one year? In total? Yes, that's one year. There's 21. Well, let's start with this. Let's start with this, dude. Okay, you're accruing interest and penalty.

Are you paying? Are you making payments? Yes, I'm on a payment plan for the whole thing. What is your monthly payment for this one? $453. For this one alone? No, no, no, and for all three combined. Okay, I guess we'll add them all up.

So it was three years of contracting that you didn't pay taxes. When did you learned your last after the first fucking year? You would think. I would think. There's times that I have. paid, but it wasn't the full amount. But why did you not learn your lesson after a whole year? I thought the economy would have gotten better.

What does that mean about saving for taxes? Dax? More money. Huh? Make more money. Let's make it... No. Why didn't you learn to set money aside on year two and three?

The economy doesn't have anything to do with setting aside money. Huh? I just never... I didn't do it. That's the first time I had a done contractor. Didn't know, but it was three years of it. You would learn that you owed money after the first year. Please, please get, please understand what I am saying.

How did you not learn the second year maybe we should correct their behavior? I couldn't. Why? I tried. It was just, you know, spin, spin, spend, spend. That's not trying that you spending, spending, spending is spending. When I had the, when I was 1099, I was paying the credit cards off every month. You know, why did you not attempt to set?

I said, did you know to set aside money after you realized, oh, I didn't set aside money the first year? Yeah. Then why the f*** didn't you? Just didn't I, you know, pay bills. You're the average. That's a bill! No, no, these bills. But I know what the total is for that for the three years.

37,7,7303. Correct. What's the minimum? For all three combined is 453. And what's the interest? I have no one. I'm assuming general 8%. It's usually fed rate plus like

2 or 3, so it's probably around 8%. This is going to take forever to pay off. $37,703.32. And you were only able to pay your taxes by being a W2 an individual. Correct. Which is why I'm now back to doing W2. It shouldn't be why. It's the same, but basically,

oh, you pay, you sometimes pay a little. a little bit more when you're self-employed, but you also have more ways to get rid of some to duck some taxes, write off some things. What? I have notes you have to owe Oklahoma, Texas as well, but you don't even know how much? Yeah, I can't log in. I've tried creating an account. I've had to help trying to create an account. I can't figure it out. Call? One of them for the first year.

You looked so shocked when I said call. Well, I mean, I could have, but I was trying to. You're going to tell you to set the account up online anyway. Not necessarily. Did you call? No, I did not. Well, how do you know that then? Assuming.

Are you? How much you think you owe? For 2021, it was... Just one year? There's the three years. The three years of contractor, I would owe for every year. Yeah.

How much do you think you owe to Oklahoma? In total, 20,000? I don't know. You think you owe $20,000 to Oklahoma? Correct. Okay, separately from the IRS to confirm. Correct. Okay.

Oh, okay. And you're not on a payment plan, but you will be eventually. But at least you're fleeing. What is this? You got text asking for Oklahoma taxes from a Michigan phone number. You click the links in the text. But they don't work. But you got scammed, potentially?

Oh. The website. The links that they sent? I guess they expire for a certain period of time. Why would a Michigan phone number text you about Oklahoma text? I don't know. That's why I didn't call her back. Did you click the links?

Yeah, because the links go directly to a business in Oklahoma. You are going to fall for a fishing spam. Within a year, you're going to get, like, horny and fall for, like, a horny fishing scam. Do you say so? Do you know what that is? A fishing scam? Not really now. Oh, buddy.

Good luck. Good luck out there. I don't get phone calls for that, so I wouldn't know. Huh? I wouldn't. I don't get phone calls for, like that. All that's blocked. Okay.

Do you have an email? Yeah. Okay. I don't click on anything. I usually delete spam. I hope so. Listen, buddy, I'd use a fizz card. That's all you can use,

because at least it only lets you spend on your checking account so you're not fucking over your family members. as well. The IRS deaths and say there's still more. Okay, the Hyundai. What's going on with the fucking mess? That's the one that got

hit with hail. That's my current vehicle. Okay. But it's all good now? Yes. It's been repaired. Okay. $34,769.

$33. And you never use it, right? Not really. You have a $769. 88 cent minimum monthly payment on a thing you never use. Why did you get a near $1? $80,000 vehicle on something you never use. I don't want something new with a warranty.

Why? Because sometimes if I change companies, I'll drive to that terminal instead of... Make your decisions then based on if you actually do. What a weird preparation for something you never use? What do you think it's worth? You owe $34,769,33. What is it worth now? $20,000 list.

Also, it does not take into account the damage, but it's being general. us. About 27,000? Okay, without even taking an account damage, we're seeing 23,000. It's probably worth five to 10,000 hours less, though, because of the damage. This is the dumbest purchase ever.

You can't, there's nothing to get out of this. You just have to pay this off or let it get repoed, and I might just let it get repoed. You never use it, then get yourself a $10,000 car. Your credit, but your credit's already f***ed. Is that all your debt? What's the interest right on that car? Do you know?

It should be like 8. I need something. Definitely not good. That's for sure. $377 in our checking account. In tacos, Apple Bill, getting some BS, getting some BS. Apple bills, probably storage or,

yeah, bring up your phone. And don't take 10 minutes to do it. Noodles, Apple Bill, getting some BS, BS, Girl Scouts, BS, B.S. Antonios. BS. Apple Cash, Apple Cash, Apple Cash.

Zadlet. I was out. I was selling out every second of your fucking life. That's for the $100 a month car payment. That's $200 a month of car payment? No, because this is all in one month, you fuck. And it is one, two, three, four, five, six, seven, about $800. Okay, so there's two.

Apple, Capca, ICloud, Grindr! It expired only last month! So, actually, I was spot on. How do I always know these things? How do I always know these things? I don't want to jerk myself off. How do I always know these things? Are you sure about that?

No. Yeah, but right now This is AppleCare Plus, CAF cut, and ICloud Plus. AppleCare! FaceTune, body editor, that doesn't help a blender. We all know.

Junk-ass apps. Because then you just meet up with someone and then they're not what you think and then it is just like, listen, embrace the chub. Embrace the chubb. The chubby chases will find it. You'll lure.

You'll lure with your immense gravity. And it just, they'll get you. Okay? We don't need to do the magic at it. Screen mirroring. Face Lab, Bloom AI editor. Come on. Chat box.

AI image generator. What are we doing? It don't work. So I was playing around with them. Very curious. We're going to look at something in the post show. We're going to look at something naughty. We'll keep it behind the paywall so we don't get demonetized.

It's going to be very, very goody. the poster typically is. Zell out, Zell out, sell out, sell out, sell out, sell out, sell out, all in one month. What was it? What are the amounts? Hundreds, hundreds, hundreds, fucking 2050, hundreds. It's just so many Zals, dude. So if it's from Bank of America, it's probably to my, to that SOFi account for food.

Oh, okay, here's the SOFi account. And that's going to be all bold. And he balances half of what it started at. Now it's $76.70 cents. Dunkin' Donuts. BS. B.S. Burger King. B.S. B.S.

B.S. Bojangles, Bojangles, come the fuck. How many discounts does USAA auto insurance offer? Too many to say here. Multi-vehicle discount. Safe driver discount. New vehicle discount. Storage discount. How many discounts will you stack up? Tap the banner or visit usa.com slash auto discounts.

Restrictions apply. Dealer? B.S. BS. Burger King, Rbies. Hardies. Bs. BS. Bs. R.B.S. R. HETO children's? Hmm?

Hito Children's HTO Children's HTO Children's The location Children's up north BS BS Chili's

Oh for fuck sake Arby's BS Arby's Wendys Hittio Children's Rbies Mitch's Barbecue BS BS BS

BS McDonald's Denny's online. Out of all the Denny's to get. You get the fucking order online. Going in and getting into BS, McDonald's, Denny's, at least that one wasn't online. Going in getting some BS, Road Ranger.

McDonald's, Sonic Drive-in. That wasn't a drink that time, or you're double-fisting. Taco Kavana, going in to get into BS. Dude, this is fucking insane. This is disgusting. This is disgusting. Moving out of Mom's House, before we know it.

$4,700 comes in on a monthly basis. new rent is 800 that is going to be right correct cool that includes all utilities and everything how does food work at this house that you'll be moving into with mother um does she buy do you buy is it a combined it might be combined do you actually know not at the moment no okay then we'll budget like it's not combined how one debt payments 1,743 dollars and 88 cents i don't think it was your rent that it was killing you it's your inability to pay off your debt and spending more money on food than you can ever possibly except unfortunately probably not true.

Phone bill? 45. Not bad. I like that. Gas, Vroom, Vroom Drive, Drive, personal. Maybe 80 a month? Still quite a bit. Car insurance?

240? Okay, $300 for groceries. $100 for miscellaneous bullshit. We'll do $150, include the pup in there to keep them occupied. will driving. Do you have dog insurance? No. You should. I will put in 40 bucks. Looks healthy. Pet food, how much? 105 a month. 105. Medical health care. How much on a monthly basis?

I'm not sure because it comes out of my checkout or nothing, though. No. No. I have third medication. Every three months, 30 bucks. Huh? Three months for? No, every three months? How much? How much? So $10. Anything else that needs to be in your budget that I have not taken an account? No. Do you think there's something here? Too much spending.

What? No way. It's this, it's just that you're fucking spending. It's ridiculous. It's stupid. It's dumb. It's pointless. You need $3,513.88 to live.

Didn't even have rent these last couple months. You've been living in the truck. $1,186.12 is what you have left over. It's give you $186.12 cents a BS for the road. $1,000 left over on a month. basis. Very good. Okay, well, yeah, but this is, I mean, it's going to take 86 months. It's pay off the debt. Pick up as many extra miles, trips, whatever you can. Do you get paid per? Per mile, yes. Good. You're just grind it, grind it, grind it. If I don't want you to be single forever,

but if you're choosing to be single forever, grind it out, pay off this debt, because right now it's going to take seven years, so you may as well do bankruptcy again at that point. But again, there's no point of actually doing that without changing your behavior because then you get here again, and then we have the same conversation a couple years down the road. Change your behavior, then look at possible consolidations if you want to,

or grind this out. Bring in an extra thousand hours a month, pay this off in three years. How would I do that over the road? Huh? How would I bring in an extra thousand hours? Can you pick up more? Or are you masked?

I get what they give me out, but I'm maxed that on a step in a while. So change roles. Pick up another job. Okay. Maybe something online or something. Yeah, whatever you can do. Whatever you can do.

change a different in hauling job. I don't know, buddy, but if you can bring an extra $1,000 a month and you actually do this, and I actually gave you a bull to $1,000 and it takes three and a half years. Listen, it's simple. This is ridiculous. If you just didn't do your spending, which were all your fault, you wouldn't be in this position, but you have to cut it back now. Or not only are you going to be dead sooner, but you're going to be dying in debt.

And certainly not leaving anything to the family, that's for sure. Guys, join us in the post show. We're going to do something very nutty. there's probably some extra tea that we don't know about yet that the producers will bring in. And I think I'm going to bring in the translator as well. But Hammer Financial Score, spending the budget, you spend over what you got, zero out of ten. Debt, IRS debt, zero out of ten. Emergency fund, $300.

I'll give you $1 out of $10 to be generous. Retirement? None. Oh, for a sick guy. Zero out of ten. Real estate is zero out of ten. Truck doesn't count. Hammer financial score rounding up, point five out of ten.

Make sure to download the budgeting app center for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail it directly. door. Now go join us in the post show in the best YouTube membership on the face of the platform. I want to go through your g- my gr- my god. Why do you do that? Pull it off us to your profile. If I click on this, there will not be no. This is the dangerous chat to click into? No, it should be just photos and then meme. It's a real risky game you guys are. I feel like when I'm told there's nothing on the other end and the first thing I see.

You're the one who decides to go through people's stuff. I asked you. Inclusive members content? Click the link in the description. or pin comment below and watch thousands of hours of extra and uncensored content. If you used Babel, you would. Babel's conversation-based techniques teaches you useful words and phrases to get you speaking quickly about the things you actually talk about in the real world, with lessons handcrafted by over 200 language experts and voiced by real native speakers. Babel is like having a private tutor in your pocket.

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