Financial Audit - Financial Audit's Most Vile Mother

Episode Date: August 12, 2026

*WE FIND OUT HER "MAN" BLOCKED HER AND CHANGED HIS NUMBER* and when I call him, we find out she's been stalking him... It's INSANE. Watch the post show here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡ https://hammerelite.com/#join (discounted annual) MY NEW FLAVOR IS FINALLY LIVE!! Get Liquid Assets *NOW* for under 40 cents per serving, up to 6 free gifts and 10% off your entire order with code CALEB - https://hamr.link/calebdrank 💰 Download Dollarwise - Big Deals, New Features, Free Trial: https://go.dollarwise.com/join Mid-year audience survey *4 people will win $250 each* take it here: https://forms.gle/a9neyA9aQUtFp6vM9 ============================= *Caleb Hammer Financial Resources* ============================= 👉 See if refinancing your high-interest debt saves money. Checking is free. → https://hamr.link/ytmoneylion2 👉 Get 5% Cash Back with Chime Card and qualifying direct deposits ➡ https://bit.ly/4bff5by 👉 Find and compare much better AND cheaper car insurance for free → https://www.moneylion.com/network/hammer-media/auto-insurance/search 👉 Finally experience relief from your debt once and forall → https://www.moneylion.com/network/hammer-media/debt-relief/explore ============================= 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 🔥 Get Your Own *Hammer Financial Score* → https://hamr.link/newquiz ============================= *Sponsors for This Video* ============================= You’re 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer If you or someone you know experienced serious mental health struggles as a result of social media use, you may be entitled to a potential recovery of over $1,000. Visit https://morganmorganpa.sjv.io/c/7273707/3841482/23429?sharedid=caleb-hammer to submit a claim now. ============================= *Education* ============================= 👉 Get access to EVERYTHING I offer all in one place: https://bit.ly/4sUm2pb ⚡Learn how to budget: https://bit.ly/4sspyGh ⚡Learn how to invest: https://bit.ly/41mr8OP ⚡Pay off your debt: https://calebhammer.com/master-your-debt ============================= *Extra Resources* ============================= 👉 Land a high-paying job with no experience or degree: ➡ https://coursecareers.com/CalebHammer 👉 Get FREE MONEY by investing with Public! https://secure.moneymatchup.com/public-caleb 👉 Find the best credit cards for you with my quiz! https://cards.calebhammer.com/yt 👉 Get $20 from Acorns for free: ➡ https://acorns.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡ https://aura.com/hammer ============================= *Chapters* ============================= 00:00 Intro 01:48 Job & Income 06:30 aaaand bad mom of the year goes to... 15:20 that is the dumbest logic possible for having two children with the same dad loool 17:02 oh good, shes stalking more victims!! 32:20 shes putting more effort into random men than TAKING CARE OF HER KIDS 34:25 oh good, shes very much mentally unstable 40:30 she is not cute enough to be this crazy 55:00 chat, do we like her? comment down below. 01:09:09 okay lady, public school is NOT the issue here loool 01:14:56 okay ill say it, i hope she breaks her elbow 01:22:55 bullsh*t bullsh*t bullsh*t 01:25:22 budget!! ============================= Want more content? ============================= 🍿 Caleb Hammer Clips: https://www.youtube.com/@calebhammerclips 🍿 Front Page Documentaries: https://www.youtube.com/@frontpagechannel 🍿 Caleb Hammer Top Videos https://www.youtube.com/@CalebHammerTopVideos ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

To watch episodes of Financial Audit a week earlier, check us out on YouTube. How much do you spend on their fun? We don't do fun. We don't do fun. I don't have time for fun. Okay, that's what they're going to remember, not time with their mother. No, they won't remember that. They'll remember the YouTube that, you know, raising them, not me. Yeah, no, the 12-year-old already had SJW colored hair, so I wouldn't necessarily say that.

And definitely had emo fit. Those wrists will be... They already are. So I financed a flight to Idaho to meet this guy that I met online. Literally, your kid has almost... She hasn't almost died multiple times. She hasn't almost died. You're being dramatic.

She's to spend money and time on . You do not spend money and time on them. Well, listen. So there is no other answer than you prioritize over your kids. You're obsession without the spell on you. I can't help it. I just want him to like me back.

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This is the best drop gamersuffs has ever run. A link in the description. Hello, I'm Astrid. I'm 32. I'm from Fargo, North Dakota, and this is financial audit. Thanks for coming down to Austin. That's definitely a long journey. I appreciate it.

Yes. Okay, so the Dakotas is an interesting situation. I try to stay in the data on the show to figure out how people are doing in their area. The Dakotas is a weird thing, and I think it's North Dakota specifically with the fracking boom and everything. It's boosted wages dramatically higher. I'm assuming cost of living has gone with it, but I'm not 100% sure in what ratio. So I actually don't know that. You're going to have to tell me, but I want to know first, obviously.

What do you do for a living? I am a community liaison during the day and then I'm a barista at night and on the weekends. Why are you barista an extra? What do you make from the community liaison? Like per month or per hour? Sure. Any?

What do you want? Something. Just anything. However, you think about it. From the community liaison, sorry. I assume your main job, yes. Yes, my day job. Your day job.

4,400 take home monthly. I only get paid monthly. How much a month? 4,400. Okay. So in this community liaison job is in the other places around the country, these community liaisons are making over six figures a year. Must be nice.

Well, why do you live somewhere where you make not over six figures a year? It is kind of your choice. You're baristaing after work. To get paid twice a week. Uh-huh. Or biweekly, biweekly. Huh? So you get paid once a month from the community liaison?

Yes, from my day job. And you'll be fine. I can't. I put all my bills at the beginning of the month. Yeah. Obviously not. If you need a second job, that's not about getting paid on more times the month. You just literally need the money because you can't make that one paycheck per month stretch through the month.

Yeah, so I got another job. Yeah, I know. But it's not so that you can get by week because you just need more money or you spend too much money. So the second job, you're a brief, though. Is it like Starbucks? It is Starbucks. Yes. We'll use that opportunity. Take advantage of the benefits if you want to get a degree or something.

Clearly, community liaisons do not make a lot of money in Fargo, North Dakota. Yeah. What do you make from Starbys? $16 an hour. I saw two kids out there. Yes. I claim them when they're behaving. Uh-huh.

Do you ever see them? How's this working? No, not really. kind of. Who's taking care of that? A little bit ratchet, taking care of themselves. A little street rats. How was the oldest one there? 12, she's going to be 13.

Okay, so is she watching the youngest? Yeah. Is that how we're doing it? Okay. You know what that happens? Essentially, yeah. Well, maybe that's what happened in my household. Yeah.

Okay, in the youngest? She's going to be 10. Okay. So what hits your account on a monthly basis from Starbucks? From Starbucks. It depends on how much I work, but. Average month. Come on.

Let's say about 800 is what I average it to. So $800 is literally making or breaking your life. How? What's going on? I guess it's just getting paid every two weeks, you know? No, it's objective. Yes, it is. It's objective.

No, no, no, no. That is it. That is why. It can't be. Because, no, if you're following a budget when you were paid once a month, you'd get that $4,400 to be able to start for that month. It's not about the payment cycle for you. You clearly aren't making enough.

money. Yes. But it's not the paycheck cycle. A little bit of both. So when I took my position that I'm in now, I lost all the mandatory overtime that I had before. Why did you take this position then? Because it's comfy. It's Monday through Friday. Okay. Well, you're literally having to work a second job. So clearly it's not comfy. Your kid is watching your other kid every single night because you can't be mother. Hey, where's the dad? Listen. You took some loads. Where's the penis? I came with it. I'm trying to listen. I have. You ask you a question so I could listen. Around? He's around-ish.

I don't know what that means. He's kind of homeless. He's staying with different women, whatever his current girlfriend is at the time. Why would he stay with me? Well, he is the producer of your children. I assume you guys were together, especially since the kids are a couple years apart. Yeah. What the fuck that's what I'm asking, clearly.

We matured differently. He doesn't like to work a lot. Okay. Well, you like to get the comfy job, which makes you work more. comfy job, but I work at least. I don't have excuses. I will give you that. Yeah.

You pick the comfy job, which makes you have to, you enjoy Starbucksing? Yeah, I do, actually. I love it a lot. To get away from your kids? I bring them treats and they're happy for that. They like treats. That's what they're going to remember, not time with their mother later in their life. No, they won't remember that.

They'll remember the YouTube that's, you know, raising them, not me. Oh, that's going to go incredible for them. They're going to be well adjusted. Yes. No. Yes. They're fine. Look.

Do you saw them? They're fine. Yeah, no. The 12 year old already had SJW colored hair. So I wouldn't necessarily say that. And definitely had emo fit. Those wrists will be... They already are.

Actually? I'm not going to make fun of a 12-year-old for... I was obviously... I was trying... I was working. I was like making fun of you. Oh, I'm not going to make fun of a kid. Yeah.

No. Well, no, I'm not going to, but I'm going to call you a piece of shit. You're not around. You can't do that. Hey, hey, if a kid is in that situation already, I think mother needs to be around. Yeah, I think it was just... Listen! What is wrong with you?

No! I think it was just because of her last girlfriend, boyfriend, she had, because they were doing it a lot. And that's... Doing it, yes. Yeah, but you need to be around more. I can't. I got to work. Because you chose to do the comfy job.

If your kid is literally bleeding herself to death, you need to be there. And you choosing a comfy job over that as being a selfish of a mother. They're superficial. She was dying. Not like the other one. It's along her veins. Superficial.

Yes. Yes. Versus the other one that was in the hospital all the time. Who? Her boyfriend, girlfriend. She would have ended up there. No, she wanted. She's fine. They broke up. She's fine. Everything's fine.

Oh, intervention. Please, on behalf of this kid. She's fine. What? She's good. No, no, I don't think so. Sure, I don't, listen. We didn't, yeah. How many? A lot. Everywhere. Everywhere? Everywhere. Legs, chest, arms, because she was trying to show them off. She was wearing, like, little shorts and everything.

So I'd yell at her about it. Did she know what? yet no one knew this dude you're evil no you're choosing a comfy job over being with your kid that's evil that's evil that's evil that's evil your kid obviously needs you she'd do it even if i was home then you're a horrible mother mental institution is where we start looking and help and care we're working on it no you're not there but one day one day if she's lucky enough to be around She'll be there.

That's not how that works with accidental. I wouldn't say it was accidental. No, I'm saying in the that isn't meant to be life-destroying, could accidentally nick something. Sure. Exactly. And you're not there. You're right. I'm working.

Because you chose the comfy job. Yes. You're a bad person. No. Yes. No. Oh, I don't know how to convince you that. She's fine.

Look at her. For now. For now. Dude, it's the for now situation. And I'm sorry, that many scars is not fine. That many scars is not fine. She's over it now, though. She's not doing it. We don't know that.

People, that's, no, no, no. That's something that people fall in and out of. Yeah. That's one of the... Yeah. So you know. I'm familiar with, you know, how that kind of stuff works. I've had friends that do it and stuff.

What? But, you know, I think there was a difference between people who want to do it. Maybe she needs the dad, because clearly the mother refuses to be in her life. No, they- So what's the dad thing? They blame their dad for their trauma. So they don't- And then you're not there to support them and help them through it.

Right. Because I got- Right. Gotta work for a living, Caleb. Does it toast and comfy. What were you making in the less comfy? Mandatory overtime job. Well, it was just a mandatory.

Yes, how much were you making? Probably like, like $5,600 to $6 grand a month. Well, you're at 52 now, so yes. Yeah. But- You're being a selfish. No, listen. So when I was making more money, I was spending more money.

It doesn't fix anything. I wanted to be home with my kids. That's the original idea. But you're not. It was the idea. You know, that's what we started with. How long have you been doing this idea that is clearly broken in every way whatsoever? Like three years.

What? What three years? Two years? Two years. It has failed. Two years. Dude, if I'm doing something that has clearly failed for two years, I learn not to do it. Okay.

I don't think it's the money. That's the money that is failing. It's me. That's what I'm saying. Oh, shit. Hold on. No, no, no. It's the spending part. Not the, you know. You just said it wasn't. No, it's the spending part. No, you are not with your kids.

Well, yeah. But that's how I was raised. My parents were never home. You know, it's a normal thing. People go to work. While most kids who themselves do not intend to end their lives, approximately 65 to 70% of youth, who self-injure will experience thoughts or make at least one attempt is a point. She's told me about her thoughts, yes.

Yeah, so this was not... But this was like years ago. This was years ago. But that is a fucking... People fall into it, and you're not there and that's terrifying, you know, who is the 10-year-old? You're right. Yeah.

Dude, I'm sorry, a 12-year-old? You think they just escaped and they're a completely mature, well-developed individual at this point? No, definitely not. She's independent, but she also thinks she's older than what she is. Yes, everyone does. Yeah.

Isn't that how that works? And clearly you think your mother when you're not. I am. You're not playing it very well. Yes, I am. Ask them. They like me. They don't see you. They like me when I'm like.

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531, 2,600 to speak to an advisor. Free of charge. Bet MGM operates pursuant to an operating agreement with Eye Gaming, Ontario. I like that you get treats, dude. Pretty easy to appease. How long have you been a single mother? So their dad and I were doing like 50-50 custody for the whole time we've been split since 2019 up until last year when he got kicked out of his place with his last girl.

girlfriend, stepmommy number two. And that's when the... He reproduced with her? No, he didn't. Step mommy as in like he's got different girlfriends that he lives with and they become stepmom every time. Yeah. You're smacking.

I know. I'm sorry. Sip! I've been eating too much of those Starbucks snacks, aren't you? Lots of sugar. I love sugar. Mm-hmm. So it was like last summer, got kicked out of his place with his ex-girlfriend.

Ever since said he's been like sleeping on friends' couches. Okay. So he's a... Loser. Got it. Okay. Well, that makes sense. Why did you produce with the loser?

We produced twice. Because, listen, he liked me when I was younger. Because we got together. I was 18, you know, he was 17. You just said he liked me when I was younger, but you were older than him. Oh, yeah. You made it sound like he liked you when you were younger. As in you were younger.

He was older. No, no, no. That's the weirdest way to say what you just said. We were together for like eight years. Uh-huh. Yeah. Yeah. So, like.

That doesn't change. how you said that in a very weird way. You're right. You're right. I know. But no. And then, yeah, I just wanted somebody who liked me, and I had that. You're that desperate? I was in a really bad place in high school.

You're not in a good place now. Yeah, mentally I'm much better. Doubt? No, seriously. No, you seem... Listen, Linda. Dude, you don't even care if your kid dies. No, I do.

I do. I take care of her. So you let them reproduce with you at 20. Yes. And then 22? Yes. Why? Because I didn't want to have two different baby daddies.

Stop playing with that. Sorry, I can't. You're mentally good? Sorry. Oh, fuck. What's the problem? Just your existence. Okay.

The audacity. We're doing fine. Your kids are not. They are. Ask them. Well, actually, I would say there's literally proof on their body. Well, we're talking about it. That's the difference.

Because we didn't use to talk about it. Oh, you used to ignore that your kid was going to die. I didn't ignore it. She shut down. And I brought her all different counselors, therapists, ever since she was in kindergarten. And Starbucks treats. And Starbucks treats.

Instead of being there. Yeah. Go fuck yourself. I have to work. Yeah, because you chose to do the comfy job. So come on. It's all selfish behavior. Okay.

So, yeah, I guess, I mean, he is a loser. I don't understand the logic of, okay, I already made a baby with the loser. I want a second baby. Yeah. So let me make a baby with the loser instead of getting someone who's better just because I don't want two dads. Yes. It's an insane logic loop.

What? You made one with the loser. Yeah. And instead of trying to find something better for your second, you made another one with the loser because you didn't want a different dad. But do you want to be like imagine dating a girl that has multiple different baby dadies? You got me. I'm not saying that's thrilling. but you already know he's a loser.

Yeah. So why reproduce with him? Because I got two of them now. And I'm good. No, no. Now, I'm saying for your second one, dude, what is wrong with you? I'm saying for your second one.

Yeah. No, why did you if you was a loser? Because I want them to be, you know, related. Because, you know, I was adopted by my dad and... These are toys to you. Your kids are toys to you. No, they're not. Yes, they are.

My babies. No, with the way you're freaking them, they are toys to you. The way you are talking about them, and how you reproduced and made them and made the choice to fray it to be with him. They're accessories to you. They're accessories. I wouldn't say that.

No. No. I was just in a very different place back then than I am now, you know? Are you? Look at you. You literally can't help it. Sorry. That is literally a product plug.

It's right there. No, that's a product plug. I'm sorry. Dude, she's actually, dude, oh my, you. There's something wrong with you. I can't stop it. I have concerns for these kids. You shouldn't be able to.

No, no, no, you don't. Fidgett. You're a human. Dude, you're 32. Calm the fuck down. I am calm. I took my meds this morning. Oh, fuck.

These poor kids. Anyways. No, they're good. They're doing great. Objectively not. They could be better, yes. A lot better. Yes.

Substantially. I got to clean up my mess first, so I can be better for them. And what's your mess? I got to be better for them. What's your mess? My money? I don't have money for. For them?

Why don't you have money for them? Because I spent a lot of money once upon a time. Once upon a time, not now? I mean, it's less now, probably. Yeah, I mean, I'm being told you literally spend a shit ton of money stalking people. I don't even know what that means, but it meets your personality, whatever the fuck it is. I'm trying to find them a new dad. Oh.

One that shows up, you know? You know? Look to whatever man she stalks into submission. Stocks into submission. I like that. What is this? What is this? You're not into that?

Big no. Big no for me, dog. Been stocked? No. Being submissive. It's not for me. Have you tried, though? On your back, leg spread apart.

Dick in your ass. What the fuck is happening here? No. No. Okay. So, okay, that's fine. Everybody has taste. Everybody has different tastes.

I just, no, dude. What's the problem, dog? You spend a lot of money stocking men. Yeah. What the fuck is this? Walked me through this. Because that is going to drain your money. You ain't going to be draining any balls afterwards.

I promise you that. No one likes being stocked. Sometimes. Okay, well, you're a freak. No, not. Anyways. I wouldn't say it's stalking. You know, I'm just trying to get to know them.

Well, how are you spending a lot of money doing that? Trying to find them and find out what they're up to. What does that mean, you freak? Like, you know, paying for, like, background checks and stuff because I got kids. And then, like... That one's not unfair. Yeah. And then, like...

But I highly... doubt that's when my producers were interested in. Like when... Because they also do that. That's normal. When I bought like the Tinder pros and everything, so I could just swipe on people and stuff and try to find a person that I met one time in the wild,

you know? About Tinder Pro just to try to find someone you met in the wild? Yeah. At the dog park. Why didn't you just ask for the person's number at the dog park? Because I was shy. He was really hot. So then I had the local community help me find him.

That's Tinder. That's not the local community. Yeah, it is. I put it on my profile that I'm looking to find this dog and this guy. And I swiped on every single person and asked them. A lot of people didn't read it. So I had to tell them like, do you know this dog? And they're like, no, are you just looking for this dog?

I'm like, yeah, I'm just trying to find this guy because he was super attractive and a lot of the other people on Tinder are not. Chat, we just need to talk about culture for a second. This is crazy. I don't know if you know what is going on out there. and this is why their app price is completely, or the stock price is completely tumbled and they deserve it. Match group who owns Tinder and all that stuff.

She's able to do that literally stalk someone, no consequences. And there are so many men out there that they'll have a slightly awkward date or slightly awkward interaction and a woman will report and they'll get banned from every platform and they can't even appeal it. Fairly. Stock price is at like $0 right now. And then she's able to do this and she'll face no consequences.

It is such a... Our call. culture has just swung in the completely wrong direction. I'm glad we corrected for some of the shit, you know, back in the day that was bad, but the overcorrection is absolutely insane. She's able to just do that and actually put someone's information out there and stuff. No, not men.

No, no, no, no, we would actually get banned permanently, immediately across all match group, which is hinge, Tinder, all that stuff. Yes, yes. But not you, not a woman. The double standard is insane. And there's no human review. There's no real thing. There's no verification.

No. I was just out there trying to find them. That's insane. You're insane. Our culture's insane. Listen, I just kind of get like stuck on one person at a time. I'm going to be real with you. Your debt is not the same as everyone else's.

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Yeah, yeah. And I found him. And I met up with him. And really? He agreed to meet. So. Oh. Listen.

Okay. His, it was his jujitsu coach that reacted to the post. And he's like, is this a dog? I'm like, that's the dog. He's like, well, I'll set you up with this guy. You guys come to the gym and meet up. And then I did. The coach paired us up together.

And it was fantastic. Got to put my hands on him. He was beautiful. He's a wonderful guy. Very kind. And then at the end of it, he told me he's a travel. traveling nurse and he was moving to California the next week so we couldn't make it work. I do want to say, again, in our culture, if a man literally said exactly what she said right now,

he'd be called office online and fired from every job and kicked out of every school. Yeah, that's creepy. It's creepy. It is creepy. Yeah. I mean, but the oversensationalism that would be done to a man is extreme. Yeah. Or I'm just going to treat you.

If they're attractive, it's probably fine. A part of it, actually, yeah, a little. But no, no, not for what you just said. Put your hands on them. No, they would still be ruined. Well, we were rolling in Jiu-Jitsu. No, I'm saying how you said it. So he was moving.

Did he move? Yeah. Did he move? Oh, yeah, he moved. So he wasn't just saying that to avoid you? No, he was a traveling nurse, yeah. He was driving a rental car and everything. Dude, you're free.

No, I'm not. You have kids to take care of. How would you spend that time you're using stocking men? Take care of them. Clearly they got of issues. Back when they were with their dad. sometimes. Now they're with me all the time. I ain't got time for nothing. So what's your most recent stock then? My most recent stock? Because you're spending a lot of money on this and being told.

It's not a ton of money compared to like everything totally, you know? What's your most recent? Um, so I financed the flight to Idaho to meet this guy that I met online. Met online. Take a drink, you dried mouth free. I know. I said I got a problem with it. Well, you weren't there. Yes, it was not Okay, so I financed this flight to Idaho to meet this guy that I met online. And so we were talking for like two, three months. We were texting, you know, every single day. I met him on Facebook dating. Why was your radius that extreme?

It wasn't. So he's actually originally. She's desperate for attention. This is crazy. No, no, no. Listen, he's originally from my area. But he worked out in Idaho for the winter. And then he was texting me.

We were texting every single day. Then I went out to Idaho to meet him. And I had the most amazing time in my life there. How? Because it was my first time flying. And then my first time in the mountains. And then my first time snowmobiling. And it's just gorgeous out there.

And he's super cool and chill. And we get along super great. And it wasn't weird. And I didn't get murdered a week. I think everyone's afraid of you murdering them. They shouldn't be. Okay. Well, I'm glad you had a good week.

I don't murder people. I don't hurt anybody. I'm a nice lady. You're a freak. Come on. Yeah, but I'm nice. Ah, you're scary. I think your niceties would lead you to something extra.

That's crazy. Is it? After everything we've learned so far? Yeah. We're just getting to know each other, chill. Okay, so what are you doing then? That's a long distance. I mean, flying back and forth is going to be expensive too.

And again, how about you like take care of your kids instead of flying to Idaho? But sure, let's go. Listen. I am. I'm trying. Tell me. Their dad came over and stayed with them at my house while I was gone. So they got some time with their dad.

I know. The loser, yeah. Well, she's literally almost dying, but go ahead. They like time with their dad every once in a while because they never get to see him anymore. Yeah, because they have a traumatic and horrible childhood thanks to you guys. Continue. I'm doing my best. Okay.

Oh, yeah, he's gorgeous, first of all. Okay. He's also pretty. I don't need to know that. I'm just like, dude, this is going to be expensive. It's important. Guess to you he's pretty. Yeah, I deserve that.

Do you? No, you're kind of, no, you don't. Yeah, I do. Why? Okay, listen, their baby dad, not a good look, you know, now I need something that looks good. I'm sorry, you're a five out of ten, not at best. Oh, the audacity. No, that is normal.

That's average. I suppose it's right in the middle. Yeah. How tall are you? Five eight. Okay, oh, you're not that tall, but I don't know, you're like, come on. You're a little fat, your teeth are f***ed up. You're five out of ten.

What do you deserve? You don't deserve. Just like, I mean, I'm like, probably. You know, like a four. Exactly. You, dude. No, exactly. And I don't deserve either.

That's the thing. We can tell men it, but we can't tell women it? Come on. You don't want better for yourself? Want, sure. I don't deserve. Sure. Yeah.

Well, I don't deserve a 10 out of 10. 10. Okay, I can't get a 10 out of 10. I can't. You were making them sound like a 10 out of 10. No. Okay, so what's going on? We were talking for a few days.

And then he started leaving me on red and delivered for days out of time. Okay. Yeah, because you're a crazy. We learned that. I'm not crazy. What was so good about them? We just got along so well and so easily, you know. It was like natural.

I didn't feel nervous for once. I didn't get the dry mouth, you know? Actually, I did out there. It's super dry and disgusting. Yeah. And tried making out, but like both our mouths were super dry, you know? Anyways, so he ghosted me and then I tried to get his attention for a while. after like a month or so he finally got back to me told me sorry about that you know

stuff's been going on you know didn't mean to do that and like perfect you know now i've been on a mission i keep trying to we keep going back and forth ghosting and not ghosting you're not ghosting him he's ghosting neo yeah he's ghosting me so there's no back and forth he's ghosting you but okay i need to sleep with him he's got the biggest dick i've ever seen in real life like it's like a star dick like it's for bigger than a lot of Okay. Do you watch? Yes? Yeah. Okay. So it's huge.

How big? Okay. So he's like six, four. Okay. It's like two of his hands. He's got big hands because he's a big man. Two of his hands. It's massive. It's got girth and length. You never find guys with both. You were there for a week, so why didn't you? We did once, but it was awkward and weird and then... Because you're a...

Because you have a week! Nuh. It wasn't because of me. It wasn't because of me. It wasn't because of me. Why was it awkward and weird? No one wants to listen to this. What do you mean? I'm sorry. You're asking for the story.

I'm telling you the story. Chad, do you want to know? You want to know, I'm a very numbers brain person. I know the analytics. When an attractive person talks about sex on the show, you guys enjoy it. When a creature like this talks about it, you guys are clicking skip. So no one wants to listen to this. No, they do.

I'm glad to know he has a big dick. But he was clearly ghosting you. But you're like, I need to have sex with him. Clearly, he didn't give a fuck about having sex with you. No, I think there's a chance still. No, he's ghosting. you're done. No, I think there's a chance.

Okay, what's your stocking? What are you spending the stock? You've only visited them once, right? Yeah. It's over stuff. I've met him like two more times since then, just briefly. How? Because when he came back.

See, you got to give up on this and you got to take care of your kids, man. I know, I want to. Why can't you? Because I get obsessed. Thank you. You're a freak. I get a little obsessed. I can't help it.

It just happens. I get a little obsessed with these guys. And I just want him to like me back, you know? I'm going to call him in the post show and tell him to run. Hello. Hi, can you hear me? This is Kay. Yeah.

How are you? Why are you calling for? I'm with your little friend. How did she have my number? What? What does that mean? Don't act like that. I changed my number after we hung out.

Are you serious? I'm not going to lie. I'm going to do that. I'm going to tell him how crazy. Why would you tell him to run? Because you're a crazy bitch and he needs to know this. He talks to me sometimes. I like so.

He clearly goes. you consistently. Okay, I don't care about him. I really don't. I really don't. My big thing is, I can't have you spend a shit ton of money and a shit ton of time on this guy that clearly doesn't give a fuck about you. Why would he? No, I think he does. He goes to you constantly. Take a drink. But he talks to me every once in a while. He reaches out to me first. What's every once in a while? No, he doesn't. You're desperately stalking him on Instagram and responding to every single story hoping he responds to you I'm being told. No, he doesn't reach out first. You're a desperate whore.

Yeah. No, I'm not a whore. I hardly get any. Yeah, but not your choice. I'd have options. I choose not to take them. Because I want this one. What the f***?

Pass out dude at the bus stop? No. With a needle in his brain? No. That's all the options you're going to get. No, I have my sneaky link. I'm being mean. I'm being mean.

Okay. Dude, I really don't care about this. You need to stop going down this rabble. You were asking about him. No, maybe. I think I enable too many conversation. Too much conversation. Yeah.

Yeah. So how much you spending on all these background checks and all this shit that you're doing? Instead of putting your family ahead, what are you spending? It's only like 10 to 15 bucks a check. Yeah, but how frequently? Just a few. I don't know. Maybe like 100 or 200 bucks.

What the f-you know? Yes, but you're working a second job for $800. Yeah. Do you not see it? how insane that it is. I know, kind of. If it's on a credit card,

I don't see it until later, and then it'll be a problem for future me, you know? So every, like, fall, winter, cuffing season, I go through

searching for guys, you know? The fuck? I need to, I need a cuff. Yeah. Did you have kids at home to take care of?

I know. And you're spending once you get into that season hundreds of dollars And then, you know, the Tinder Pro. And then the Tinder Pro and shit. And again, we're letting people like her be on there. But men will just get ghost banned forever.

What a failed. I can't believe we have given those platforms power. It's insane. They've destroyed an entire generation. I'm using it, though. It's working for me. Yeah. You must be finding the most desperate motherfuckers out there.

Uh-uh. I find some crazy ones, some nice ones. You know, a little bit of everything. Okay. So what happens inevitably? Because you're a crazy fucking bitch. You must go absolutely mad when you get ghosted or they leave you. Yeah, because that's like the first time I've ever been ghosted, too, was by this guy.

So what happens then? Well, I mean. I guarantee you swipe your cart endlessly. There's no way you don't. Crazy bitches like you. So that's where all your money goes. Listen. Thank you.

That's what I was trying to get. I need some treats. I need to sit in my truck and cry over a blizzard and then, like, you know, feel. White woman in the car and posting on take. TikTok probably. No, I don't do that. You will. I'm not on my social very much. You will. Surprising, maybe I'll end up there. People if I did. Now, if instead of 32, you're 22, you would be doing that. Yeah, probably. Yeah. So how crazy do these spiral sprees go where you're just blowing money like crazy?

You know, and you know, ever a guy inevitably goes to you because you're insane. No, I'm not crazy. And come on. He doesn't know yet. Got into that part. All the previous ones. They don't know that. No, I don't care if they know it. Why did I ask if they know you do it? No. So like I have to like go by, you know, makeup and skincare and clothes and stuff. Do you think that fixes your ghosting? So I can find somebody new to post with.

What does that do to find somebody new? You going to blowing a shit down on clothes and makeup. Yeah. Skin care. So I can look good. Do you? You don't. You're so disrespectful.

Yes, financial audit. Then I can try to find somebody else that I can take a picture with and then I'll post it to my story. and then he'll see it, and then he'll get jealous. And that has never worked. That has never worked once. He didn't react to that. No shit. But maybe like a couple days after.

I'm sorry, no, it doesn't. It's never worked. If you connect it from like days apart or like weeks apart, you could say it was a reaction to that. Your obsession without the spell on you. That's just your reality. That movie's so good. Okay, yes.

We all saw it. Did you? Everyone saw it. I told everybody to go see it, but I didn't tell you. Everyone are... Fargo needs to get nuked. This is insane. I'm being told every time you go through a breakup,

you just hyper-focused on hobbies and spend a shit ton of money on these hobbies. Yeah. Like what? Like when I bought a fur suit and... Furry stuff? Dude, do you really? I went to Comic-Con. You're really laying into the shit that, again, chat.

Here's what I know about you. Every time an ugly person is into a kink thing, you guys skip it. I'm glad you're really supporting this episode. What do you mean? It's not super sexual. Like, I don't have sex in furry suits or nothing. Why'd you go buy it after a breakup? Because it was super cute.

And I just needed something to make me feel better, you know? Did it? Yeah, it was because I saw something. You're a co-spender to the extreme. Yeah, unfortunately, yes. Yes, but your cop spending is insane. It is, and I agree. It's on furry outfits?

Yeah. What the fuck are we doing? And I put it on my freaking PayPal credit. It was like $2,400. I got it from South Korea. And I was like not really into the furry stuff yet. Okay, show it to me without you in it. I just want to see the outfit.

I want to see what the fuck cost $2,500. I don't know if I have... This is insane. You don't even have a picture of the fucking money. No, no. $2,500 on. I do. I do.

I don't know if I have a picture without me in it. Are you naked? No. Okay, then I can see it. It's not sexual. Then I can see it. Then I can see it because the last thing I want to see in this world is you naked. So I got it like a long time ago.

And I haven't, it's kind of been sitting in the closet since then, you know. Okay, great. Yeah. Like I assume every hobby you go endlessly into debt into after breakups, right? Yes. Yes. And then I find a new one every time, you know. But this one, I had to buy like a bunch of art afterwards too, you know.

And I had to get some new care. characters. Now I have kind of a collection. Let me find my first suit. It's super cute. Oh, I made a furry TikTok too for a little while. Look it. It's cute. Oh, my goodness. That's actually insane. All right, we're putting it on screen. That's crazy. So, okay, so a guy didn't like you and you spent $2,500 on that? Well. What was the last thing you went absolutely crazy when you spiraled? lately it's just been like the tj max marshals kind of spirals but like because i can't help but spend like couple hundred dollars at a time you know and then obviously the flight how much does that cost

um it's right there it was like i think four how would you answer the question not a podcast 400 some dollars i think okay so how are you surviving on 5200 200 dollars right now i'm not really so incredible response i mean i'm I can get. I haven't lost my house or my car. Do you own a house? No, I rent. Okay, good. Yeah.

I could never own a house because I couldn't afford to fix it. Well, I mean, you could, but can get yourself in a position. If you aren't blowing $2,500 in furries, blowing money to go blow a guy with a big dick in Idaho. All the, you know, furry art and stuff that I bought. Good. What's wrong with people like you? You guys are insane, man. But I didn't have money, so I had to put on my PayPal credit.

But I got some good art, too, and some new. characters. Thank goodness. You know you have kids, right? Yeah. I do. Why are we not prioritizing them? This is blowing my mind. You were like financial audit's most evil mom or something. Not-uh. Predicting the title. I've seen other ones. There's some more sense. Mom? I don't know. There's lots of bad dads on the show, but you're a piece of shit mom.

Literally your kid has almost died multiple times. She hasn't almost died. You're being dramatic. She's talked to you about her suicidal thoughts, but you go spend money going to suck a 8-inch dick instead of taking care of her. I'd say it's like 9 inches. Yeah, you're a f***. That's crazy. You're a Insane piece of shit mother. No. Go ask them.

No, you think a 12-year-old, 10-year-old is going to be able to give me... No, they like that they get to stay away from their crazy bat-shut insane mom. I'm not crazy bat-shit. Let's see where they are if they're still alive in a decade. N'-uh. They'll be fine. I hope they are, actually. I mean, yes, they will be, but I'm not crazy.

How much you spend on your kids, everyone? I don't know. I mean, depends. Like, food? I spend a shit ton on food. Not just food is basic shit? How much you spend on them? They're fun.

They're fun. How much do you spend on their fun? We don't do fun. I don't have time for fun. Okay. And here's the thing, but she has time to fly to Idaho, suck an 8-inch dick,

spend money on her furry hobby. She spends thousands of dollars on her having fun and obsessing over men and all this crazy shit. Do you think I'm like Nikki? But then she won't spend time or money on the kids.

Do you think I'm kind of like Nikki from obsession? She felt very relatable when I was watching that movie. Interesting thing. I just want to pause. I said that about Ted minutes ago and you already reacted to it. Are you actually that stupid? You didn't say that. I said you're like the woman from obsession. Oh yeah, you did. Yeah, yeah. But you didn't say Nikki.

Who'd you think I was talking about? There's a couple women, you know? Oh my f*** these poor children. Oh my goodness. Oh my goodness. You're a stalker. You're a spender. You're selfish. You're crazy. They're going to die. I don't kill people. No, but you're going to get people. You're a stalker. You're a spender. You're selfish. You're crazy. They're going to die. I don't kill people. No, but you're going to get people. people killed and those people will be your kids. Uh-uh. Oh, good rate response. No, I'm keeping them alive.

The one of them is going to be 13. You just said you don't spend time. Okay, that's a basic minimum requirement. Yeah. You just said you don't spend money or time on them having fun. But you spend a shit ton of money and time on you having fun for dick. Yes. So I do want to be very clear.

You prioritize dick over your kids. It's not like that. No. Oh, see, she can't even say no. She had to say it's not like that. No, it absolutely is because you spend money and time on Dick. You do not spend money and time on them. Well, listen.

So there is no other answer than you prioritize Dick over your kids. Imagine how happy they'd be if I found him a new dad. You don't, though. You run through, you run through men. Then you get ghosted because you're a crazy bitch. You've planned the entire weekends away from the kids for Dick constantly, but you won't do things with them. You leave them with their piece of shit, dad.

you're a bad person, you're a bad mother. No, I'm not. Wow. Really good response. Well thought out. Yeah. I have all these points. Maybe I'm bad with money, but I'm not a bad mom.

No. I have, you can't, what's your actual reasoning? You need to tell me that other than no, because I brought actual reasoning in what you're doing examples that equal bad mother. And then you say, no, that's not true. Tell me why. Well, I mean, I brought him here with me. So I took them out to do something fun.

For you to come on a show you want to. wanted to go on. Yeah. It's all about you in the end. I'm just like my mom, you know. You want to repeat generational trauma? I don't want to, but I can't help it, you know? Actually, you can. You're an adult. You have choices. Every day you make choices. Yes, you do. You choose to go away for weekends at a time to literally suck semen out of heads. Glob, glove, milk jug. My GamerSups flavor is finally here. It's called Liquid Assets and it tastes like raspberry apple and success. Use discount code Caleb to get 10% off your entire order, plus free gifts you actually want. Drinkware, stickers, full on apparel, even some seriously limited edition swag.

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I beg you. I'm not a bad mom. I'm not a bad mom. You need a rebuttal. You need a reason. I told you. I'm taking care of them. No, the only reason you said

is you brought them here for a trip you wanted to go on. You just think I'm not a bad mom because I don't take them out for fun stuff? I said you are a bad mom. Okay, but you think that's it just because I don't take them out to do fun stuff?

Because you're never around for them. You prioritize you having a more comfy job instead of taking care of the one with clear mental health issues. Instead of spending any money and time on them going and having fun, you spend all the money and time on you, going, getting railed.

I have to take care of myself too. If I don't take care of myself, then I can't take care of them. You spend all your money to get yourself taken care of. Yes, so I can take care of them. Your kids eating McDonald's every day is not being a good mom. But I'm feeding them. I'm feeding them. They're not going to get fat.

They have my metabolism. They're going to be fine. You're fat. I'm not fat. Don't look. Uh-huh. Exactly. You're not obese.

I gained a lot of weight since I've been at a desk job, you know? I'm not to have my metabolism. I had a good metabolism. I'm obese, you're fat. I'm fatter than you. I'm obese, but you're fat. That's okay. Wow.

It's okay. You're not skinny. You're not in the healthy BMI weight range. You're fat. Not obese. I was. I've been skinny up until I got this desktop. Congratulations.

You're not now. And started antidepressants. No, no, but I want to be very clear. I want to be very clear. Say it. Clear. No, you're, you got the SSRIIs. I see them.

What does that mean? You're going to stab someone. I'm not going to stab anybody. You're making me sound like I'm crazy. Yes, only me. Okay, but do you, you don't have kids? Correct. Right, so how would...

I wouldn't feed them McDonald's every day. How would you, you haven't been in that spot? Okay, everybody wants to judge somebody with kids. Dude, I've had other, I've had busier parents on the show who don't feed their kids McDonald's every day. I don't feed them every single day, like McDonald's. Practically every single day. We have it in our state. That's me.

Okay, so you'll die soon. You're getting fat. You're going to get less dick than you even can now. Yeah, probably. The rate I'm going, it's not looking. good for me. Yes, you're fat. I'm feeding the kids at least.

Listen, and I mean, the crazy thing is it's not insulting to call women fat. By the way, I know you're going crazy on Instagram. Instagram is the platform that gets angry every time I say it. She's fat. That's okay. I'm obese. That's okay. Is it?

We're acknowledging a basic reality. We can call men fat and it's okay. Why is it insulting when we call women fat? I'm not supposed to say that I'm fat, you know? But you are. Why? Actually, shouldn't you so that you can medically take care of it so that you can live a longer life and take care of yourself?

I should call myself obese. That is a correct thing to call myself. I shouldn't be mentally and say, no, I'm actually healthy at any weight. Actually, yes, you should call yourself fat. Do you choose to be obese then? Yeah, with the lifestyle choices I'm making, yes. Why?

Same with the lifestyle choices you're making. What about your medical stuff? Okay, clearly you didn't understand the point. You said, I'm not supposed to call myself fat. No, you should. You're not supposed to be delusional about your own health. We should only call men creepy for doing what she did. We should call her creepy.

We shouldn't only ban men for doing what she did. She should be banned. We shouldn't only call her. men fat, we should be able to call women fat to. Wait, it's the same for everyone. Yeah, but I'm just, I'm told, you know, you can't say that you're fat, you know? Why? Because you're not that fat is what everybody says. You're skinny, but it's, you know, you're not skinny. You're not skinny. You're not obese. If that's what they mean by not that fat. That is true. You're not obese. No. But you're fat. Damn. That's okay.

But if we recognize it, that means we're starting to do change. It's like saying you don't spend, dude, you saying you're not in debt. It's the same thing. It's literally ignoring something that exists, which means you'll never have to address it. If you're okay with... Yes. Yes, that's what I'm saying. So all these woke heroes on Reddit in TikTok and now in the Instagram comments of this clip that's being posted, this reel,

they're going to be like, this is a disgusting of you, Caleb. This is a disgusting show. How dare you call that? Yes, they do. On Instagram, trust me. They're all pussies. It's really weird. I don't understand it. It's like they've never seen the show in four years.

But either way, the thing that's crazy is like, just because you're a... a woman, we can't recognize basic medical things. What are we doing as a society? I don't get it. I really don't. Shaming men? No, no, no. But the thing is, if you're okay with being fat, then it's fine.

But we shouldn't say we're not fat when we are fat. I'm not happy about it. There we go. Thank you for being real. I appreciate that. I'm not happy about the weight gain. But I wouldn't say I'm quite fat yet. You know?

No, no, no. Okay. But anyways. You're not obese. Yes, yes. It's different. You're overweight. You're not obese.

Yeah. Okay. Anyways. Yeah. No, they're fine because they're being fed. And. By McDonald's every day. That's what I said.

It's not healthy for you. It's not healthy for them. They're literally bleeding out and you're feeding their McDonald's as a cope and then going and taking Dick and Idaho. They need to be fed, you know? Because a lot of times they're just at home. Who's getting fed more? Them or are you a dick? I feel like you're prioritizing the second one because you're a freak.

What do you think your financial score is zero to 10, zero being the worst, 10 being the best. Probably a one. Yeah. If you don't want to be like her, make sure you get the dollar-wise budgeting app. Take the free trial. See if you like it. Fat?

Huh? It's not why I need to budget cookbook? Is it the cookbook? It's the meal plan. It is healthy and the cookbook is digital. You get it if you sign up for the annual version, which saves you nearly 50%. Thank you so much. I hope I lose weight.

If you want to, then I hope you. you do too. I personally don't care but I'm making fun of you. One for the show, too, because you said you can't call yourself fat even though you're fat, which is an absolute thing to do in modern day society. I don't understand us. TikTok has ruined people. This culture is stupid.

Get your hammer financial score at Calebhammer.com. It's free. What the fuck? What the fuck? No, I don't know. You're pulling me out of my plug. What do you mean? Oh, sorry. You couldn't tell? I was, yeah. You know, I was just trying to

I thought you were trying to help me. Like, lose weight. Sure, yeah. If you follow that in meal prep, it'll budget and lose weight. So you do care. Of course I care. That's kind. But honestly, in this conversation,

I care more about the kid than you at this point because I'm actually afraid for her future and you're a bad mother and you're literally prioritizing dick, which is crazy. I don't take dick all the time. Trust me, but if you could, you would. But who would want to?

Wow. Some people. Okay. Everyone's saying no. No, I'm not looking. All the men are saying no. No. It's just like, I don't know, this is basic things.

Again, they're fed. Every woman will call you beautiful in the comments. This is the world we live in right now. Yeah. They never call beautiful women beautiful, but they always call the ugly ones beautiful. It's an interesting thing. Nothing sincere anymore, you know? Nobody's ever genuine.

Hey, she said it. Yeah. Let's remember that before you call her. beautiful. Oh, okay. I wouldn't say you're ugly, though. Like I said, you're mid. Five out of ten.

Yeah. Midwest mid. Just like you're not obese. Yeah. You're fat. Yes. Sure. I'm a realist.

Oh, my kids won't be. Oh, if you feed a McDonald's every day. No. They're fine. They get on SSRIs, which I'm sure. No, okay. Yeah. Dang, 10 year olds on SSRIs, isn't that kind of quick?

She's not on one. The other one. 12 year old? Yeah, well, we definitely need some kind of intervention. there. So, I do hope they're trying. Okay, so this is the dick debt. Dick debt. You only owe 154 left. It's a paying six, which actually means you're probably paying interest on it. Because usually it's paying four to avoid interest. I don't even remember. I try to do the interest-free payment plans, though, every time. Because, you know.

Paying six. Maybe they have that now, and I'm just not aware. Either way, that monthly payment is going to be $52. Okay. I don't think that's right. Huh? I feel like it's more than that. What remaining is $154 it says. Oh.

I don't remember. Is that not true? I don't remember. Well, I mean, this is just what's on it. Yeah. Wait, no, no, no. Hold on. It says 1465 scheduled for May 5th.

That doesn't make sense. It says three of six paid. Oh, probably because I paid ahead on it. This is very weird. Can you stop fucking your mouth noises? No. Yes, you can't just keep your mouth shut until you talk. I can't.

Oh, trust me, we can tell. I can take this back and flip this somewhere. Brother, I don't understand. Brother. I need you to leave North Dakota and just get some societal exposure. Because the only other place you've gone to is Idaho. Texas. And now Texas.

Texas. You need to go to a city a bit. longer because you are too farm trapped. Farm trapped. Yeah. Like you haven't had enough human interaction. And the only human interaction you have is literally flesh.

Yeah. Imagine if I was home school. Put that back. It's actually loud. This is a podcast. People are listening to it. Sorry. Okay.

Are you? Because you just took it away. Well, you... Dude, you suck, man. Yeah. Sometimes. No. Amount of each payment is $1.42.

Number of payments three. Oh, okay, so 142. Yeah. Wait, no, this doesn't make sense. Something's weird here. Number of payments three, amount of each payment is 142. Okay, whatever.

So, 142, 41. So you must have just went to Idaho. It was in February. Okay, actually I'm going to call this guy in the post show. I'm going to tell him the... I don't think he will. Oh, well, he's already ghosting. So if we even get an answer, we'll be lucky.

Not at this second. second. Tomorrow. Okay. So what is this? A signature loan. This is the pay-up amount's

higher than the original amount. It's only gone up. Probably because, again, you prioritize leaving your kids than paying off the debt. Working. Anyways. You work for you.

To be clear, I think we've learned by now in this episode so far. You work that extra $800 a month so you can go have fun and leave your kids. We've worked. I don't get to have fun all the time. I have to work.

Oh my goodness. Did you not just hear what I said? Neither did it's kids. Um. Dude, I don't know what to do with people like you. So what is this for? I. Stop.

You don't have to. Hey, hey, woman, you don't have to go before you say anything. I can't. I can't. Yes, you can. You just. I get the cotton mouth from my mess. No?

No. You just talk. You don't have to go, talk. You go, talk. Word. Sorry. No. It's not funny. When you point it out, it makes it me want to do it, you know?

You're one of those people where they do something annoying. Someone says you're doing something annoying so you want to do something annoying more? Yeah. Oh, you're crazy. What? You're a horrible person. What does it make people crazy? Okay.

When I talk, I talk. I don't go talk. And you thought, um, okay. Okay. You know, we're cutting every single time you do this. So keep doing it. I don't care. But like, just stop.

Just be normal. I'm trying. I am normal. I'm being myself. What's the signature loan? I don't know how I'm looking at it because I don't know what it's from. $3,650 is what you borrowed. And literally this month.

Oh, yeah. Literally two weeks ago. Sorry, sorry. I forgot. It just entered July a month ago. Yeah, for my wheels. I'd get new wheels on my car. What?

For $3,6. $650? And then I, so half of it was the wheels and tires and the other half was paying off my car credit. Oh, you consolidate it. Car credit. Yeah. What's car credit?

What's car credit? What's car credit? It's a car credit. Is this a new kind of thing? Big, they have a car credit. A car credit? Yeah. You took out a new loan attached to your car?

So, what's a car credit? You mean owed on your car? It was a credit card. And I paid it off because it. I just say car credit. That's what it's called. Car credit card. Oh, it was a synchrony loan for something that you used previous.

I'm an company bank credit card called car credit. Okay, so you used it for something different. No, I used it for my car to fix my car. Yeah, you used it for a different car thing. That was not this current thing. So that one ran out of the promotion, and I got a 35% interest on it. So I used the loan.

The answer is yes. The answer is yes. You used it for a different car repair before. Yes. That's what I was asking. You f*** moron. Yes. And then I paid.

I paid that off with the loan, and then I paid for the wheelies and the tires. The wheelies. The wheelies. The wheels. Oh, just wheels? Wheels. You're just infant talking?

Because one of them was fucked up. Because it was sitting in my car. Just one? Yeah. It was like completely. Why did you get wheels for every? Why did you get wheels for every wheel then? Because I downsized my wheels.

Was that now more expensive than just replacing one? They said it'd be cheaper in the long run. Oh. Because... Because what? Because the tires. Because I have to buy tires, you know, every three years or whatever. So?

Didn't you just have to buy tires with your new wheels? I'm out of water. Um, yes. That's, that's, that's, can we get a bottle of water for this dumb? It is cool now. Did you know that? Yeah, but I said dumb before it. Cunty.

Very cunty. Good. Fuck. Okay, well, guess what? guess what? It's gone up from your original loan balance. That's because interest started occurring before you... Yeah. Yes, before you started making your first payment. It's going to be $22.62.64. And an interest rate is 12.1. It's not good. It is better than a credit card, but it is not good.

That's the reality. But I had to do it. No, you didn't have to get new tires for every tire. They sold you into it. They upsold you. And they said it would save you more in the long run, which I don't even know. But either Wait, I know it certainly didn't save you more in the short term. The tires were significantly cheaper because I paid for them. Then one? Yeah. Well.

Then one. No. So one tire. Exactly. That's what I'm saying. But in the long run. I know. They sold you on that.

I don't even know if that's true. It is. It is because I had to buy the tires. I had to buy the tires too. Exactly. Buy the new wheels and the new tires. Exactly. Instead of having to get tires later.

Each tire was a hundred bucks cheaper. What? But that didn't save you on the thousands you. spent. So the long run, we're talking maybe like a decade and a half. Oh, you got sold, girl. You got sold. I'm not good with cars. No shit, you're a... We already know this. You're not good at anything. How do you know? Well, one, you're bad at being a mother. All you had to do is take some dick, pop them out. Other than that, you haven't taken care of them. Wrong. Other than McDonald's. You don't

even see them. You don't even take them to do anything fun. I'm not a bad mother. Again, you, you're not able to actually support that with anything. Yeah, because I'm taking care of them. Not from anything I see. $22.62 to 64 is insane. Yeah. Sorry. I was agreeing with you.

Okay. But you had to do it. You did it and you're justifying it. I had to do it. You didn't. They sold you on the upgrade. It would have cost you like a thousand bucks or something, right? Um, for the new wheel and tire.

Yeah, probably would have been like 500 bucks, 600 bucks. What are we doing? The fact that you were justifying spending... It was $600 at first, and then it was... And then you spent $2,500. So shut the fuck up. I had to buy... Okay, I have something else.

What? I don't know. Okay, it's a paying for it, a 0% interest. So, oh, it's an affirmed loan. What did you affirm here for $4.668.97 cents? The tire for my truck. What the fuck? I think.

What are you doing? Or is that the Amazon. It's for gear. I'm being told it's gear. I don't know like gear is. What's gear? I needed gear for the camping. What camping?

For when we came out here. What? We camped our way down here. Why did you just spend to come down here? Camped your way. How many stops did you do? It's a straight shot down 35, practically. But it's a long drive.

It's long. How long? So, well, if I would have went Fargo to Austin, it's 18 hours. Well, that's shorter than getting to my home state of Michigan. So it's like I've done that a shit ton of times. But I wanted to go see the ocean, because I've never seen the ocean. So we went... Gavlson?

Where'd you go? Um, like over by... The ocean's not in between. Corpus Christi over by there. So you overshot Austin? Mm-hmm. Yeah, and I wanted to... How long have you been on this road trip?

For the last week. For the last week? For the last week. How much have you spent on this, you moron? Um, so camping isn't very expensive. It's the gas. Yes, right now. And you've been doing this.

for a week and still food and shit like that for a week. And I know you're stopping against the bullshit. So, of course, what the f- Well, we only ate out. How are you camping? What do you mean? In a tent. What?

Girl, it's 100 degrees out. 100 degrees in, like, 90% humidity. Yeah, the humidity in Arkansas was the worst. No, how are you doing this? I don't... Is this even safe? There's a whole bunch of people camping, yeah. Tents?

Yeah. Tents in the middle of Texas summer? Texans love camping. They don't really. They do it in the summer. We weren't the only ones. And we were at the ocean. The rest of them were homeless.

What? I'm sorry, the ocean you went to was the Texas side of the golf. It ain't a nice ocean. That's the first time you've seen the ocean? Yeah. And you saw Corpus Christi ocean? I've hardly been out of North Dakota.

No, I can tell. We can all tell. Yeah. Girl, it's not like I'm like a big traveler by any means. We know me, but I've seen some nice ocean. Trust me. And we stopped at the swamp. And Caddo Lake?

That was nice. These poor kids. Every night is usually only like 20 bucks or something like that. Yeah, but it's a shit ton of travel. Shit ton of stopping in against bullshit. Yeah. How much have you spent? Was the question I asked you.

I have no clue. You spent, you got a $468.97 loan for the gear for the camping. I'm a buddy. But I can return some of it. I can return some of the stuff. No, no, no, no, no, no. That right there, that gear specifically is, you drive down, you stop summer halfway, there's your room.

You drive down one more, stay here, boom, there it is. Because what did you spend this $1,018 on a firm for? What is that? Because you even bought a new electric grill. Yeah. No, I bought a propane grill because the first place that we stayed at in Arkansas didn't have electricity. If you got a hotel, on the way down, we filmed this and you went halfway back up, hotel two times.

You would have spent less. Well, we wouldn't have seen the ocean. Yeah, but you saw that. the shittiest version. It's the golf anyway. You didn't even go see like the Atlantic or Pacific. I don't know the difference. I saw the ocean finally. I always wanted to see the ocean. No,

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Technically, the Gulf is classified as an oceanic basin or a marginal sea of the Atlantic Ocean. So I guess we can say you've technically seen the ocean. Yeah. I'd say it still counts. It's salt water. Yeah. And jellyfish. Very good. So $1,0.18.13 on this affirm. What is this?

Oh, screen recorder Amazon? Okay, let me see. Pull it up. In search of screen recording, an android freak. I don't know how. I've never had to do that. Does anyone know how to start an Android? I think I can figure it out, though. Oh, no, you can't. How do you know? Because we're going to be here for the rest of the time

we're supposed to be filming by the time you figure it out. Eventually. I don't know. Where do you want my orders? Just give me their phone. 12 pack of fire color changer. That's what's required to survive.

Electric candle lighter. A mini projector. So you can watch things in the tent? Yeah, that was the... It was supposed to storm the first two nights. Yeah, you got to do that. I don't know how you guys to survive. Fire extinguish.

Sure, it's good safety. But again, spending so much money when we get it just on a night hotel, night hotel. That's it. Inflatable pool float tea. I guess some of them had a pool. Or out of the ocean, right? Band-aids, yeah. I mean, a projector screen.

Geez, good death. Air matches. We didn't use that. So much. There's the tent. No, that's a beach tent. I didn't use that so I can return that too. And the projector.

Because it ended up not. Amazon basics. I mean, sometimes you get a, oh. Post-stree shaver. Oh, she's hoping to get some while she's with her kids. No. Can't. So much bullshit.

So menstrual lube. Oh. Yeah. You are just, why do you have to be the most disgusting? Oh, pelvic floor extender. Oh. What? Oh.

If it was a hot gas, that would be getting hard. But, fuck. So was this a thousand? No, this is Samsung. For that, you affirm that phone? Yeah. Good fucking death. Okay, what's your payment?

It's like 50 bucks a month or something like that. What? It's going to take forever. It's like a year long. No. 80 bucks. Okay. Did you need a new phone?

You can't survive. You're spoiling yourself instead of your kids. Besides the camping trip, the first thing you did in their 12 years is... Not the first thing. Anyways. Sorry, McDonald's. Did you need a new phone? I gave my kid my...

My old phone, because her phone was dog shit. Really? Yeah. That kid should have access to the Internet. Yeah, they both need phones. They're home alone all the time. Oh, dude. They have no social interaction. Yeah, they do. Oh, they don't? The one time the one did, she... Well, it's public school.

I went to a public... Who went to private school here, anyone? I went to public school. But I went to public school in a small town. Yeah, we actually got two privates over here for what it's worth. We got the Richies. And we're the public schoolers. Did we fuck ourselves? Yeah.

Uh-uh. I mean, I went to public school too and I never cut. What's your point? It's a different... Girl, I got caught once in my life and it was unconsensual and I wish I could get that for a skin back. Okay. Feels much better on being told.

I've been told. Anyways, I don't know. Well, you wouldn't. But that wasn't for you. That was for the boys. You're purchasing a lot. on this visa that you can't pay off. Yeah.

$40 minimum through payment. You immediately put it back on while interest is growing. It takes nine years to pay off. I needed some money because I was out of money. That purchase on there, I think, was when my kid was in the hospital after I got back from Idaho and Williston. What? Why was your kid in the hospital?

She needed to have removed. Yes. So, mind you. And that was for food. That's okay. Yeah. Mind you, you weren't there. You see how you're never there for your kids and they get in medical issues?

I was there. I was with her in the hospital the whole time. That's how I spent the money on it. You said it was right when you got back. Right. When I got back. Right when you got back. Yeah, right when I got back.

I got into town and had to go right to the house. And what would it happened while you were taking an eight-incher? I don't know. Dude, you got to be there for your kids. Gift shop, a vending machine, and just going out to eat. Yeah. Interest is accruing like, I need you there for your kids. I just need you there for your kids.

Oh, earning. You're doing earning. That's good. Yeah. $400. I mean, this is like you have to pay it off in order to use it. That's what it is. Why are you paying advancing yourself?

Because I need more money. But you actually don't because you just spend it all going camping, going and sucking dick, going to do all this stuff. That's what you're doing. How are you guys getting back up? How long until you're back up? We're going to start going tonight. Are you doing any off-trail activities?

I don't plan on it, no. How long is it going to take? So I want to get a hotel, just cheap hotel for tonight somewhere on the way. You already have all the gear. Now you should just camp to save money. I have to work this weekend. And it's the Fourth of July. They want to be with their dad.

No, but stop at a campground instead of a hotel. Money management. What is this? MMI. Have you heard of it? No. Oh, sorry. Maybe. I assume it's like a

like debt negotiator. Yes. Oh, good. Well, you're all back in debt again. Listen, this is why we have great personal loans and different services and whatnot on Kayla Cammer.com. We've curated a great select because I love that. That is great. You can't do it if you're in her position. Yeah, don't do it.

Because she consolidated her debt to make it even better, not a consolidation. The debt negotiation companies. I used to consolidate. Kind of. But the thing is, it doesn't work without changing. your behavior because then you end up where you are today where you max out credit cards. How many times have you consolidated before? So before I did the MMI, I had like... Good death. You owe $15,000 on it.

Consolidated probably like four times. Dude, see? Why would you think this changed it? Because guess what? Now you're here again. You're on my show where you have insane debt. I had to close a lot of the credit cards to get that deal. And then you opened other ones. You have the visa. You have a firm. You have a firm. You have a signature. Visa since I was 18. So I know, but like you still have all the shit.

Now you're using earning. Without changing your behavior, you're just in the end, man. I know. The behavior is a problem. Your minimum of the payment is $554. Your behavior across everything is a problem. The emotional regulation is a problem. Yes, across everything.

And do you not see you rubbing it off on your kids? No. What did you just get back from the hospital for? Uh-huh. Come on! How do you not see that you being such an immature, horrible parent is obviously rubbing off. No.

I wasn't there. That's what you said you... Oof. Okay. Okay. Okay. Yep. Carter.

Got them. Oh, you fucking... You... Be there for your kids. You were taking dick instead of being there, and she ended up in the hospital. No, that was when we were coming back from visiting my friends across the back home. You.

But I had the younger kid with me. And she wanted to stay with her friends. She had the option to come with. She didn't want you. She wanted to do whatever she was doing. Whatever she was doing. Because you're a horrible mother. It was as soon as I came back.

No, not. Not and you just said you were gone. As soon as I came back. No, you keep changing your story for what makes you look better. No, she was getting admitted into the ER when I came back. Yeah, exactly. Yep. Synchrony.

This is the car care, but it's gone. It's gone now. Yep. Does he put it on that? Long. Yeah. Okay, Omaha, FBNB, Omaha. What's this?

It's an old credit card. It's also on the MMI. Okay, same with CAR credit. Also on the MMI, yep. Okay, same with Verizon. Also on the MMI. You couldn't do anything. You can't do anything.

Same with JCP. Yep. All this, all the money goes to literally doing P&S stuff instead of actually taking care of the debt. Rent and dog feed, 1,300. I just have written on a piece. paper. What is this? Um, so...

Rent? No, my rent is like $1,600 a month. The dog fee is what that is. You didn't even take care of your kids. Do you have a dog? I used to. Not anymore. What happened? I had to get rid of it. And I couldn't afford to take care of it.

Pathetic. She needed... And you think you're going to be able to take care of kids. She needed vet stuff. She was kind of like disabled. Dude, you're just... I'm sorry. You disgust me. I don't know person to person. Wow. Wow. Are you surprised? Yeah. What? Yeah. I'm a nice lady. Are we playing rust later? We should play Rust. Want to play Rust? Mm-hmm. I call the duty. See, I was trying to make myself happy because you're pathetic and disgusting.

What do you mean? You're pathetic and disgusting. So I looked at my boys and I was like, let's play Rust. Some boy things? That's called I like to enjoy life. You are bringing my entire mood. down here because you're actually one of the worst people I've ever met. No. Because kids, nothing matters more than kids. Right. And how you're taking care of it. And taking care of and making sure they're being taken care of.

Nothing. Why does this sound weird to say the word kids? We've just had too many in the show. Oh. You're almost as bad. No, I'm not. By letting bad things happen to them. So what does this rent and dog fee?

I had to, I had a dog and I had to get rid of it. and they back pay for all the time that I've lived there even though I have the dog time I live there sorry

I tried to pay the deposit when I first got the dog but they only allowed dogs that were over a year old and I didn't know that you have a Nissan Titan I don't even know

what a Titan is yes a truck oh that was a question it's a truck kind of but your response was so

okay I don't know what this is Yes. Yes. Do you have a minimum fee payment to that dog and rent thing? They just included it in my rent. So I just pay $1,600

every month. Instead of? Instead of like $15 something for my rent. Well, how much is going to this so I can put it as a minimum? Because that actually, I need to know when it's paid off.

That does help. It's $4.60, $70, something like that. But I paid more of it. I'll do $65. I just include... Shut up! It's Nissan. What about it?

It's sort of 5.4% that's actually not horrible, with a $356 minimum payment. That's bad for you because you can't afford life. And what's bad is you're underwater by about $10,000. It's worth $27,000. But here's the thing. You already had a paid off car. Mm-hmm.

And then you did this. Like, is that the worst payment in the world? No. But it's bad when you already had a pay off car. Why did you get this? It's super helpful. It's been super helpful. How yet?

You already had a car. Have you? seen the snow in North Dakota. It's insane. It's been wonderful. I don't have to call anybody for a ride. I can get through just fine. In Fargo? Yeah. Do you want me to show you a picture? Shut the fuck up. I saved a picture for you.

It's got snow in April in my truck. Okay. So, we used to get that to Michigan. What do you want? I needed it. And it's been super helpful for like moving stuff, for camping. It's a lot more comfortable. Then sell your other car and put it towards this then. That's what some people said.

But I want to keep it. Why? Why? Because then my kid can drive in a year. No, please. We, at 13? 14. You said 12. She's going to be 13 this year.

Okay, dude. Okay. Can you drive at 14? I thought it was 16. Is that when the permits start? Yeah. 14? Then I have a car for my kid already.

And for long driving. Well, even still. Sell the car. Save up and help your car. Kid get a car and work. Also, I don't want this kid to be mobile, man. I'm scared with what this kid does. I'm scared of her.

Yeah, aren't you? She's a nice kid. Well, I didn't say she's a bad kid. She's a risk, though, for herself. Oh. I don't think she's a mean person or bad. Yeah. I mean, I kind of met her a little.

She didn't seem like a piece of shit. No. I never insinuated that. No. She's a flight risk for herself, though. I don't know if I want her driving around. She needs more help. Yeah.

Yeah, sell the car and put it towards your debt. Okay. What can you sell your other car for? Last I looked, it's like a loan title. $6,000 or something like that. $5,000. Okay, sell it and put it towards this. Like I get it.

Towards the truck. Yeah. Maybe. I don't know. I'm getting some data. Then I'll have better information here in a second. The interest rate isn't horrible, but what is this? Hospital bills.

Get on a payment plan. You can get it like five bucks a month, dude. I am on a payment plan. Well, how much is it? for the $9.56.54 cents. I believe it's like $50 a month or something like that. Yeah, you're told you. Okay, essential health.

Another medical bill? Yeah. Okay. It's $542.47. That one I put on my FSA. So is it paid for then? Yeah, that one's paid for. Okay.

Is this for your kid that can't stop getting hurt? No, she usually doesn't go to the hospital. That was the one-time thing. Yeah. Okay. So is this a lot of... What is this? What am I looking at here? It's a collections.

This is a collection? For a hospital bill. Why? Why didn't you get on the payment plans? Um, I was on a payment plan and that stuff came after. Dude, there's like 300 bucks total. I was already on a payment plan and that stuff came afterwards. So. Why?

Not if you were paying on time. Because it just keeps coming. The hospital bills keep coming. And they send their payment plans. Okay. Fargo, North Dakota gets 51 inches of snow a year. Kalamazoo, Michigan. where I'm from gets 60. It's snowier where I'm from.

That's called Lake Effects, no, thanks to Lake Michigan. I, my entire life, went up there and my job was to delivery drive, by the way. So I drove a lot. Was a front-wheel drive sedan. You don't need the truck. Get rid of the truck.

You're not. I was allowing you to justify it for a second until I actually had data to stand on it. And I go through, my entire growing up life and driving, learning how to drive wasn't a car. And if you're willing to have your kid drive the car, by the way,

then you're willing to drive the car yourself. You're coping, you're a dumb, get rid of the truck and drive your car. You need the truck. You don't, actually. No, you don't. Yes, I do. Why?

Because it's more comfortable. And I can get through everything. Okay. And I started trail riding now. I'm about to end the conversation because that's not a need. That's not a need. It's got a huge backseat,

heated backseat. So I can use it. That's not a need! As a casting couch for the daddy roll. No, that's disgusting. Stop, stop. It's got cooled seats too, which has been great down here. It's not a neat.

It's nice. It's a want. Get rid of it. You can't afford it. You can't take care of your kids. You're pathetic. Student loans for what degree? $17,410.

All the degrees I never completed. What's your minimum? I haven't been paying on it. That's going to default. It's been in forbearance for forever. It's not anymore. For the save stuff? Yeah, no.

Actually, that just kicked over this month. Oh. You didn't pick a new plan? on the repayment of assistance program? No. You're going to default on a few months. If you don't now, you need to get home. I have it on automatic payments.

So once it has minimum payments again. No, I highly doubt it because you had to select a new plan. Safe plans had to select a new plan. Okay, I guess I'll have to do that. Yeah, you need to do that day in the hotel. I'm going to put it at like 50 bucks because you can probably get it down to there. What is this?

It's a spending account of some kind, but I don't know what. PayPal. Paypal. My goodness, you can't answer questions. It doesn't have a... They're able to answer your questions for you because you suck. I sent them to stuff.

You sent it, so you should know. You should know. They shouldn't know more about you than you do. I put the titles on everything when I sent it. McDonald's, McDonald's. Oh, f- This is insane. What are we doing?

This is your kids. This is your kids. McDonald's, McDonald's, McDonald's, Spotify, McDonald's, Domino's, Microsoft, Microsoft, Netflix, Microsoft, Domino's. Target, Patreon. And yet you don't even take care of your kids. They are taking care of.

They're taking care of. Shut the fuck up. They're taken care of. Shut the fuck up. No, you. Okay, 3,000 in there. Oh, HBO Max, Amazon Prime, McDonald's. Going in and gets the bullshit.

Getting energy drinks. Of course you are, you dumb. I get donuts for my kids to bribe them to get up for school. Oh, she can't parent. She can't parent. She can't parent. Give up. Give up.

You should try doing it. I will at some point, and I'll do a lot better than you. You think? Just like every other parent. You think you don't know what you're getting into. I have lots of shitty people. people on the show that are better parents than you. You're bribing your kids to get up.

You're a bad parent. GPT, really? For fucking what do you do? You don't do shit. Energy or donuts. Domino's donuts. Some subscription. I don't know.

Donuts. Poppies. Bullshit. Bullshit. Amazon. Prime. McDonald's bullshit. Venmo.

Amazon. Ah! McDonald's bullshit photo. TJ Max. Chick-fil-A. Oh, aesthetics. Some bullshit. Bullshit.

Fleet. Bullshit, bullshit. Domino's bullshit, bullshit, Bullshit, donuts, bullshit, Guadalajara. In North Dakota? Yes, that's some good shit.

Bullshit, bullshit, Spotify, donuts. Play some in-app game you're playing. Taco Bell, Taco Bell, Amazon. Oh! Retripeepin. PayPal, people, people, people,

people, people, people, people, po, bo, bo, po, po, people, people, people. $11.00 in savings up from two. That's not good. No, your life sucks, which means your kid's life sucks, which actually makes me feel bad because go,

I mean, you can go fuck your life, whatever. I don't care, but they don't get the consent. If it's a, $2,200. It was bad from the beginning. Okay, retirement, practically nothing, right? $3,000 in your pension. Wow. Incredible.

Oh, $30,000, $30,000. Shut up, shut up, shut. What are they called? 401K. I know. Okay, your income is 5,200. Your rent is 1,600, right? Mm-hmm.

But it's actually a thousand... $5.44. $1,500 we'll put. Your minimums, we'll add that extra part two. Oh, Jesus, crazy. It's actually more expensive than your rent. That's how pathetic you are. $1,648.

What? What are you talking about? Your minimum payments are more expensive than your rent, you dumb... Oh. Yay! What's your... Oh. Shut the fuck up.

What's your utilities? Gas and electric and internet all combined in water and bullshit. So gas and electric's about 200 average. Water's like 90. And internet's 90. Expensive internet.

380. What's your phone bill? 85. Not horrible. I'll do helium. If the towers are good in that area for like T-Mobile and stuff, I'm not just sure in Fargo, but I would check it out. Gas, room, from Drive, drive, drive.

A lot. Let's do a number. $500. Car insurance. $140. Food bill, you should be able to do $700. Meal plan, meal prep. T.P. Fond, anything else for you and the kids?

$250. Medical health care co-pays. A shit ton Probably like 300 a month Okay, is there a gym? No No more pets, right?

No $50 to subscriptions We'll try With kids, it might be difficult Oh, and we're underwater 5,643 to survive Get rid of the car Yeah, just sell it

Should I put that money on the truck Or where should I put it? No, no, no, sell the truck, sorry sell the truck you're out of there. I don't care about your F-smobile. Then we need to attack that debt as quick as possible

so you can at least break even once you do because you're working just a shit of extra shifts not traveling anywhere or not spending money then you're paying off that extra 10,000

you'll owe on that which will free about $350 which will get you to break even which you'll still work hard and then you start paying off that and it's going to be years. You can go through bankruptcy at some point that might be your best option

I would certainly still get rid of the truck get through bankruptcy and get that loan on of there and keep your car. It's going to fuck you for getting future rent places. It's going to be harder. It's going to be more expensive to get in. But might be your only option now because you just don't make

enough money. You might need to leave and go to a place with more opportunity because what your position is actually make good money places. Obviously your kids need a better place anyway. So this is a disaster. Those are the paths I would go down. But none of it works if you don't change your behavior first. And that starts by following this budget.

So don't do any of it without changing your behavior and following this budget for three months. Guys, I'm going to call this guy. that she's stalking and going crazy on. And I'm going to try my best. I'm going to get her to... I'm going to get him to fuck. I even know how crazy this bitch is.

My goodness, I got to save a brother out there. I got to save a man. I got to. Let's get her hammer financial score. Shut the fuck up. Spending in a budget, over spent zero out of ten, death of this collection,

zero out of ten. Emergency Fund. There was nothing zero out of ten retirement. That's at least something. It is $30,000 for someone who is $32, dramatically behind for your income. 30% of what you make. It's about a three out of ten.

Real estate zero out ten. Hammer Financial score 1 out of 10 gets us at Calebhammer.com. Now click join to join Hammer Elite for an extra 20 minutes of this episode called the Financial Auto Post Show where you get three premium shows every single day, six days a week. You can join here on YouTube with that link of the description or by clicking the join button or you can watch on the Hammer Elite app or by going to hammerleet.com. See you there. Hello?

Hi. Can you hear me? This is Kayla. How are you? Why are you calling for? You're stressed. I'm with your little friend. Um, how did she have my number?

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