Financial Audit - I'll Get Cancelled For This... | Financial Audit

Starting point is 00:00:00 To watch episodes of Financial Audit a week earlier, check us out on YouTube. We have information from your ex that she thinks you cheated on her. That's what she thinks. That doesn't mean it's true. Conveniently, you are with the guy that she accused you of cheating with. So when your poohs keeps getting you in trouble, it's because you're cheating. Why don't you call your boyfriend? Let me see what he thinks. I can try calling him at work right now.

Starting point is 00:00:18 You might all answer. Yeah, try to call him. Hey, what's up? I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire hammering. Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform.

Starting point is 00:00:39 To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join in, and that's a promise. Hi, I'm Bree. I'm 26. I'm from Houston, Texas, and this is Financial Audit. Thanks for coming over to Austin. What are you doing Houston for a living, Bree? I have like an office position. So like I'll answer calls, take orders,

Starting point is 00:01:09 really rudimentary office. It's like a receptionist. This is like a receptionist. This is like intern. Okay. Not intern. Like I'm full time. Taking orders.

Starting point is 00:01:18 Customers call. They say, hey, I want this product. Oh. I put it in the system. I take payment. And then I give it. But not sales. No, no commission.

Starting point is 00:01:26 No. No. I'm not a sales rep. Exactly. And customers just call. Okay, well, cool. What are you making this position? I make 20 an hour.

Starting point is 00:01:34 I'm salary. So. 20 an hour's salary. So what's your, what's your salary? I get paid by weekly and. What's your salary? What's your income? What's your pay?

Starting point is 00:01:48 When they say what your salary is, they're like, you make, this is your salary that you're accepting on a yearly basis. Oh, a year? I make $42,000 a year. Okay. Yeah. Listen, I mean, Houston, as far as, all the Texas cities go,

Starting point is 00:02:01 it's not the most expensive, but it's kind of in that middle range. Yeah. But 42, still hard to stretch. And speaking of stretching, the quote I have from you before coming on the show is my, getting me in trouble.

Starting point is 00:02:17 Yeah. So if we're not making much money and your keeps getting you in trouble, it's, how are you surviving in Houston on that. It got me in trouble because, so I moved to Texas from Maryland three years ago.

Starting point is 00:02:35 I've only been in Texas for three years. Baltimore. A little town named Cumberland. It's like two, three hours from Baltimore. So you know how Maryland is like big? It gets little and then gets big again. How? You've ever seen the shape of Maryland?

Starting point is 00:02:48 I don't look at Maryland. Also, I don't give a, because I'm from Michigan. Whatever. Should I have a frame of like Illinois on there as well? You know what states look like? Relatively. You know the map? Okay, well, anyway, Maryland.

Starting point is 00:03:00 I lived, like, in the mountains, like countryside, rural in the sticks type deal. Okay, well, me and her started dating, moved to Texas. She was really controlling with the whole relationship. So, say, she wanted to go out to eat. Which, by the way, it's interesting that every single X of a relationship that comes on here, the other person was always the bad one. Every time. That's interesting how that works.

Starting point is 00:03:21 Keep going. Sure. So we would argue a lot about finances. She wanted a joint account. There was no reason for us to have a joint account. We lived in an apartment. We didn't have a mortgage. We didn't share bills, anything like that.

Starting point is 00:03:31 She wanted to combine finances. I didn't want to do that. Saw no reason. So if she was hungry and I didn't feel like making anything, she would just always want to go out to eat and would never cook food for herself, never wanted a grocery shop. What is this?

Starting point is 00:03:46 What is this? I think I spent a lot of money on her in our relationship. When did you break up? New Year's Eve. Oh, okay. So that is actually recent. Yeah. Just said that.

Starting point is 00:03:58 My goodness, that would have saved me a few minutes. Sorry. I do not need it. Oh, my goodness. My goodness she didn't do the dishes. No, it was like, she would want to go out to eat. If she didn't have money for it, I would pay for it. And then if I wanted something for myself, it was not an issue.

Starting point is 00:04:15 Why did you stay with her so long? If she was fucking up your finances because she wouldn't contribute and you had to take care of her, why did you stay with her so long? I'm not giving you victim treatment when you decided to stay. Yeah, like I would stay because, like, it would get to a boiling point, and I would be like, I don't want to be together anymore. She would, yes. The injuries? Injuries?

Starting point is 00:04:36 The scars, the eyebrows scars. No, that's just fashion. Fashion. Yeah. You know how people, like, get piercings and all that? It's just fashion. It's just hair. You just put a little slit.

Starting point is 00:04:47 You've never seen people with slits in their eyebrows? Injured people? Injured? I've seen some scars. No, it's not a scar. No. She was never physically abusive, just mentally and verbally. So again, every X in the history of this show.

Starting point is 00:04:59 And yet, okay, it's just, if it's every X ever, and I can never hear the other person's side is like, can I even believe it in the end? I have a hard time. I mean, believe what you want to believe. I'm just letting you know. She was really controlling, and a lot of my debt stemmed from our relationship. Why did you stay?

Starting point is 00:05:16 She would tell me she would change and that things would get better. And how many times does that need to be said until you are able to advocate for yourself? It was said ultimately three times, then the third time is when I left. Okay. How are you doing it together? We were together three years and some change. Okay, she's for your finances for three years. So you're saying everything here is because of her?

Starting point is 00:05:33 For the most part. Really? Because the last time someone said that it was like 5%. A lot of it happened while we were together. A lot of it happened while we were together. The debt, like if I didn't have... For what? If you didn't have money to go treat her, you would just go into debt to treat her?

Starting point is 00:05:47 I would use like the cash app borrow or use after pay. Why are you struggling today? because we're four months in, four and a half months in from New Year's. Yeah, I get me like twice a month. I still have to pay all my bills. Yeah, most people get paid twice a month. Welcome to paychecks. Yeah, I have to pay all of my bills.

Starting point is 00:06:06 Okay, well, come to a dollar. You're 26. Whatever money I have left over, I am trying to put towards my debt. Are you? I mean, yeah, I'm trying, yeah. What is trying? When you don't actually do it, how can you tell me you're trying? Like, what is that word?

Starting point is 00:06:22 Whatever money I have left over after bills, after getting. gas after whatever necessities I need at the house, I'll put towards my credit card or towards the cash app. I'll put towards credit card, which is why I spend hundreds on miscellaneous bullshit, hundreds on going out to eat. That's not going towards the credit card. That's money going towards bullshit. A lot of it was when we were together in.

Starting point is 00:06:47 No, this isn't. You going out to eat right now after your terrible two checks. Oh, crazy. How are you going to survive two checks? No one else has to deal with that. You can't tell me it all goes to the credit card when it goes to going out to eat and misleadings bullshit.

Starting point is 00:07:02 It was going out to eat with her. No, this wasn't. You broke up New Year's. We're four and a half months in. Yeah. Do you not realize that time has passed. Yes. The debt that has accumulated majority of it.

Starting point is 00:07:17 I'm not talking about that. I'm saying the money you have after your bills, you spend it on bullshit now. It's not going towards that. You can't say that's her. She's not here anymore. Yeah. Yeah?

Starting point is 00:07:27 Well, I mean, I just, I don't know. So you're lying to me. How am I lying? Because it's not going to debt. It's going to bullshit. How are you not able to comprehend this as much? Is that the Maryland educational system? No.

Starting point is 00:07:38 How, f***lemm, I don't understand. I'm not from Baltimore. Allegedly. Not. You think all black people are from Baltimore? Yes. So. No.

Starting point is 00:07:49 You think that's the hub for all black people is Baltimore? You think that's where everyone's from? Atlanta. down like I'm from Baltimore? Have you ever met someone from Baltimore? I crossed the street. You crossed the street? Were you scared?

Starting point is 00:08:00 Were you scared? Were you scared? You're going to get robbed? It was a joke. Okay. The joke. Okay. No.

Starting point is 00:08:07 All is good here. Okay, good. I'm glad. There's no reason to be scared. I know you don't have a lot of black guests. You have not had a lot of black guests. No, I just employ them instead. That's great.

Starting point is 00:08:20 That's great. Love that for you. Because I believe in. Eagle, right? Well, let's not go that far. Creating a better future for civilization. Yeah, okay. I'm glad. How do you not understand what I am trying to say, though, for that whole thing?

Starting point is 00:08:33 Okay. I am trying to say you are lying to me because it's not going to the cards. It is going to bullshit. So after we broke up, I had to, obviously had to get my own apartment. It was me, her mom and her brother in an apartment. And so when we broke up, obviously I couldn't live there anymore. So how to get my own apartment. this, that, and the third, whatever, down payment, first months, all that.

Starting point is 00:08:58 Yeah. Yeah. Did you have to emergency move out? Were you kicked out? No, yes. So we broke up New Year Zee. I don't know. I found, like, the cheapest thing I could as fast as I could.

Starting point is 00:09:09 So. What is as fast as you could? As fast as you could, is you moved out and you immediately got a boyfriend. I didn't immediately get a boyfriend. You immediately got a boyfriend pretty damn quick. We're four and a half months in. You already are locked down. The thing is, if your P-Bri keeps getting you in trouble,

Starting point is 00:09:24 It's going to keep getting you in trouble right now, though. We liked each other. And he treats me a million times better than my ex. That's great. Well, you're three months in where you're dating your ex for years. So we'll see how that goes. But if you're three months in and it's only been four months since you broke up, yes, you immediately got with someone.

Starting point is 00:09:40 And if historically you keep getting in these situations where you're giving everything going into death and the other person. We and him have known each other for a really long time. We've known each other for as long as I've been in Texas. Like, okay, so me and him work together. and nothing emerged until me and my ex had broken up. Allegedly, your ex accuses you. Well, yeah, because she doesn't trust men.

Starting point is 00:10:03 She doesn't trust any man. No, she believes that men and women cannot platonically be friends. We have information from your ex that she thinks you cheated on her. She does think I cheated on her with him. That's what she thinks. That doesn't mean it's true. That does not mean it's true. I never cheated on her.

Starting point is 00:10:18 Well, who do we believe? You say she's verbally bad. She says you're a cheater. And now, now can be true. Now conveniently you are with the guy that she accused you of cheating with. Okay, yeah. So she accused you while you were dating of, hey, you're cheating with him. And then conveniently right after breaking up, you're with him.

Starting point is 00:10:34 She believed I cheated on her with him because at work when there's nothing to do, we would go out by the docks and we would hit our vapes, whatever. And conveniently right after breaking up, you get with him. No, no, she pulled up to work one day unannounced and saw me and him like just standing there talking, hit her, hitting our vapes. So she was like, why are you so close to him? How does this change that you immediately? got with him after breaking up.

Starting point is 00:10:55 I didn't immediately get with him. Basically, damn immediately. Within a couple weeks, come on. We realized like, oh hey, you're kind of cute. We were like, you know, things kind of just emerged. Like, things just happen. Like, we, he treats me so much better. He was like, you know, you really didn't deserve that.

Starting point is 00:11:13 He was going through, he got out of a relationship around the same time. And him and his ex were going through the same thing. We were like, wow, we're both going through these problems. Oh, come on. We can all read through this. Believe whatever you want to believe. You were also just endlessly complaining about your girlfriend all day work around this guy. His relationships ending like that.

Starting point is 00:11:31 Everyone at work complains about their home life. Everyone at work complains about their home life. I don't just sit here complaining about my relationship all day. You never vent to anyone. You never vent to anyone about things that are going wrong. I really don't think so. No, I'm getting head shake nose. Like your best friend, your parent.

Starting point is 00:11:47 Like you don't vent. Bad shit isn't happening. Okay, good. I'm glad. But bad shit was happening for me. So yes, the people at work. But with the person that also conveniently, like, oh, he's getting out of a relationship. Oh, I'm getting out of a relationship.

Starting point is 00:12:00 Oh, we definitely haven't been cheating. We're not together. Oops, we're together. We never cheated. Right. But your ex was seeing flirting messages with other men in discord. That was years. She scrolled back years in my messages.

Starting point is 00:12:15 I was at work. She was at home. She knew I was. She worked with you. So we did work together. We worked together. her position, everyone in that position, the whole position got laid off.

Starting point is 00:12:26 So she got laid off. She collected unemployment. So she was home all the time. I still had my job there. So when I was at work, she texted me like, oh, here are these guys. You're in the server with.

Starting point is 00:12:35 Did you ever sleep with a guy in Discord? Yeah, but it was not when we were together. It was years before I even met her that I slept with this guy. And we were all from a small town. Like, things happen. Everyone knows everyone. We can still be friends after things happen like that.

Starting point is 00:12:52 and it's not weird, you know, like that's just the friend group. It's everyone can be friends. Like, it's only weird if you make it weird. So anyway, she saw these messages that were from literally years before I met her, but she was mad that I was still in communication with them. So when your pussy keeps getting you in trouble, it's because you're cheating. I'd never cheated on her. You wouldn't admit that right now.

Starting point is 00:13:15 Do you have a Bible in here? I will right-hand swear on the Bible that I never cheated on her. Are you religious? That's like the Holy Grail of telling the truth, isn't it? Okay, well, isn't that the whole point is swearing on the Bible is if you believe in it? That's like the most way I can prove that I didn't cheat on her. No. So it wouldn't matter.

Starting point is 00:13:31 Oh, well, I don't know how else to prove that I'm telling the truth. You're going to believe whatever. She saw you guys at work because she worked there too. She saw us next to each other. And you got together immediately with him afterwards. The flirty messages were with someone completely different from literally years ago. Don't give me wrong. I'm leaning on the side of okay, you probably didn't, but just with how everything is lining up.

Starting point is 00:13:49 You know, she was super trad in the sense where she didn't believe that men and women could platonically be friends. She did not believe that at all, even with her own brother. And maybe she was right, though, because you got with him immediately. Even when we were together, I would hang out with her brother. You broke up New Year's Eve. When was the first day? He stuck it in you. Oh my God, not until, like, February.

Starting point is 00:14:11 Like, literally time. Watson, if you guys are three months in, that doesn't line up. We started dating before. February. No, we started dating at the end of February. What then? You're not three months in. We're coming up on three months.

Starting point is 00:14:26 Careful. Your eyes will get stuck like that. What? Doing this? Yeah. You saw... Your eye literally almost rolled in the back of your head. I had no one to tell me what I couldn't, couldn't do.

Starting point is 00:14:38 So yeah, I had this extra money that I wasn't spending on her, so it felt good to spend it on myself. There it is. Cope the fuck. You said your money after bills are. going to dead. No, they're going after feeling good about yourself and slitting your eyebrows. That's it. It, yeah, it does make me feel good when I haven't been to do anything for myself for three years. You lied to me. I was not able to do anything for myself for three years. You lied to me. Caught you in the lie. Hmm, only if I had more proof on the cheating. How did I lie? Because you said it would all go to

Starting point is 00:15:10 debt after bills. No, it goes to bullshit and you're saying it's because it makes you feel good because you never had to do things. And I would put money towards my debt. I'm not saying I would put everything that I had left. over towards my debt. Yeah, I would put some towards my debt. But yeah, I would buy myself things to feel good. So it's a lie. You lied to me. How's that a lie? All going to making you feel good, not going towards debt. Some of it is going towards debt. Like a minimum payment, but that's the basic bare minimum. It's something. Not if you still spend on it. That just makes it go worse. I haven't spent on my credit card in over a month. Well, one, I don't even know because I have your most recent statements, but who knows?

Starting point is 00:15:52 Everyone when they apply to come on the show changes its behavior for a couple weeks doesn't mean it's permanent. Just like before you go on any kind of show, what would nothing suggest that. Look where you are. But even still- Oh my gosh, you're just hitting every catchphrase. Can you just f***ing yourself in Minecraft? This is so annoying. You're hitting every catchphrase for like no reason.

Starting point is 00:16:11 Obviously the reality is everyone before they come on any show that involves changes, they do change for like a couple of weeks. that changes nothing about the reality of your actual situation. It's a learned behavior. Things change. That's an excuse to do it? It's not an excuse. It's me saying, okay, I'm now going to change the way that I spend and change the way that I spend my money.

Starting point is 00:16:35 Well, you told Colton you're better than all the other crazy people that come on the show. I feel that my debt is not as bad as the average guest. Okay, when you're spending it all on bullshit instead of the debt. I'm still not as in the whole. as the average guest. Okay, which is why your savings is negative $35.15. Negative $35.15.

Starting point is 00:16:58 Negative savings. You owe on your savings. I paid that up, I'm pretty sure. I'm pretty sure, yeah. I have it. No. My savings right now? Yes, no. I have it. Okay, well, then I would have to check it

Starting point is 00:17:11 because I do not remember it being in the negatives. I don't give a shit. What you remember? I have it. It has nothing to do with your memory. It is in the statement. It is here. Okay, well, then I'll fix that.

Starting point is 00:17:21 You can't say you're better than guests. They don't have negative savings. Owing to their savings account, has that something guests have. That is you. You're not better than them. How can you say that? There's a cash app loan.

Starting point is 00:17:32 You have a cash app loan. That was a part of your income was a cash app loan. Cash app loan. Your payroll was 2,461. What was your outflow? Definitely more than that. Oh, definitely more than that, but you're better than all the guests?

Starting point is 00:17:47 What was your outflow? Maybe $3,000. $3,279.22. You're better than all the other guests? I'm not as in debt as the other guests. Does it even matter, though, if you spend more than you make and the debt is getting worse than you're negative and you owe to your savings? Well, it would be easier to fix.

Starting point is 00:18:08 I'm not as in the hole. Not necessarily because your lower income. If your lower income and your holes is getting bigger, it is harder to reverse that and get out than a high income situation in a lot of debt who can usually still have like leftovers of thousands of months. month that they can throw towards it and chip at it. When you're going to have a leftover of maybe 100 or 200 a month, it's going to take years. And that's even if you can do that and even change your behavior or change your behavior

Starting point is 00:18:30 for two weeks before coming on the show. Congratulations. You did what every guest in the history of financial as done. Well, yeah, this was like, you know, okay, I really want to change things around. I want to make a difference. I'm glad you want to. That's good. But you can't tell me that you're all of a sudden good or you're better than the

Starting point is 00:18:44 guest because you're doing every guest that you've seen with worse finances changes their behavior two weeks before coming on the show. If I was going on a diet show, a workout show, a competition show, everyone would change for a moment knowing they're coming on the show. What is matter? What matters is your behavior before, which is more likely to be your lasting behavior afterwards. After the fire under your butt two weeks after coming out of the show is done. That is what matters.

Starting point is 00:19:08 It won't be done. I plan on taking this. Okay, well, it always is done no matter what. Sure, sure, but I really plan on taking this and making a difference. I do. That's why I came on the show. You're helpful. Okay, so you got into all this because of your ex-girlfriend,

Starting point is 00:19:24 and you couldn't handle that. What does the current boyfriend know that you're leaning on now so quickly? He doesn't know about the debt because his last relationship had a lot of debt in it, and he had to pay towards the debt in his relationship, and the debt was not his. So you're hiding the debt? We just haven't talked about it. What do you mean you haven't talked about it? You could talk about it if you wanted to talk about it.

Starting point is 00:19:49 We just haven't talked about finances. You could. You could. I'm not saying you necessarily need to a few months in, but you could. Especially if you know he has a past relationship negative with that. Yeah, because he's against it. I don't want to have an argument about it. He's against it.

Starting point is 00:20:03 Should you not be on the same page relatively? Or what's the point of being boyfriend, girlfriend, girlfriend? Are you trying to make it last longer? Yeah, I want it to last longer. Okay, then obviously you need to have the conversation. If he's struggling with it. Yes, I know I need to have the conversation. And you guys have a completely diverging worldview.

Starting point is 00:20:19 Okay, we can. That's the point. It's new. It's fresh. Yeah, we can grow. There's a lot of room to grow. I'm going to, you know, bring it up to him at some point. Yeah.

Starting point is 00:20:28 When? When the time's right? There's no reason to talk about it right now. Well, because he has that issue and you're just hiding it. Whenever it's smaller, it would be easier to talk about because so then he won't, like, you know, freak out as much. That's what everyone says, though, and that delays them talking about it forever. Well, it really changed. Wouldn't it be fair for him to know what's going on if he's dealt with this before?

Starting point is 00:20:49 would it change? It's you being honest because you know he's dealt with this before. And like, hey, I'm working on this. I'm trying to deal with this. Exactly. And I am working on it. Yes, but he doesn't know. And he will know when it's better.

Starting point is 00:21:03 But what if it doesn't? It will. I promise. Well, that means nothing because everyone promises that. That means nothing. I mean it. I really do mean it. Because I want me and him to work. And I want my finances to get better.

Starting point is 00:21:16 Okay. Well, I know you've lied about money in past weeks. relationships, or you've lied in past relationships in general. So there is nothing. This is just a continuation. There is nothing wrong with a white lie. What's a white lie? A white lie. Like to simply save an argument. Like whenever you just don't feel like arguing, like that's what a lot of like happened with like me and my ex. Like everything was an argument. So yeah, sometimes I would just kind of not tell the whole truth to avoid the argument. It's tiring.

Starting point is 00:21:50 It's exhausting. Okay, so that if you're actually ready to change, you're on board for this plan then. I am on board for a plan, but I don't really want, I want to keep living the way I live. I want to keep living the way I live. Well, but you might not be able to. That's what sacrifice is. Yeah, there's sacrifice, but how much do you really need to sacrifice, you know? Like, how much?

Starting point is 00:22:13 Usually a lot to do anything that is hard. I don't think so. I mean, I don't know the... What? What do you not like about the plan? Drone it in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted.

Starting point is 00:22:33 Maybe you've already gone to a normal lender to try to refinance your private student loans. And they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in. a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable

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Starting point is 00:23:44 app. You start with the classic one, Not NAB, but everyone just deletes it because it's way too complicated to use. So you go to every dollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch.

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Starting point is 00:24:37 How is that more important than your future anyway? It makes me feel good. Oh, feel good. Yes, it's like, it's the instant gratification of like, you know, okay, so whenever you're feeling bad about whatever situation you're in. And oh, it's the same as like, you know, a sweet treat or, or buy a little, like, some people will buy a little boo-boo. Like, you buy something to make yourself feel better.

Starting point is 00:25:00 And that's what sacrifice is, saying, I'm not going to feel better in this exact moment. So I can feel better for the rest of my life. Well, yeah, of course. That's what sacrifice is. That's exactly what I'm talking about. Well, sure, sure. You can save all the money in the world for a house or for retirement and stuff like that. But like, well, yeah.

Starting point is 00:25:21 You don't necessarily need you for a house, but retirement, absolutely. Well, yeah, but like, truly, how much do you need to save before it's like, okay, I've saved this much? I can now spend. Well, usually 20%, but that's after, what are you talking about? In the plan, I give you 50% I need, 30% on wants, which is a shit ton of money. Maybe not for your income situation, but it's still a large percentage. And 20% uninvested. If you hit that 20% on saving for retirement, you can spend a lot of money.

Starting point is 00:25:43 of money still. A larger percentage, 10% more. But that's after you have a fully funded emergency funding you've paid off all bad debt. And you have not done that because you'd rather get the funco pop today. Well, yeah, I'm tired of being sad. So yeah, if I buy myself. Why you said? You have a new boyfriend that's allegedly better in all this stuff that you hide things from anyway. He is. He's really nice. He's really sweet. He's great. But yeah, sometimes when I'm feeling bad about my debt and not having money. You feel bad about not having money so you spend money? It makes me feel good. It makes me feel good.

Starting point is 00:26:16 Okay. You need healthier coping mechanisms. I probably do. That's why I'm here. Like, I'm going to do what makes me feel good. And that helps me sleep at night. So you're okay being in bad debt and not having retirement for the rest of your life then? Because that's what that alternative looks like.

Starting point is 00:26:40 What's retirement really going to do for someone in today's age? Being able to retire. What do you mean? Like, I'm going to be 90 by the time I'm able to retire. Well, yes, if you don't save for retirement, correct. What are you talking about? Of course. That's just...

Starting point is 00:26:53 That's why you're saving for retirement. You're 26. You have time on your side. You have compound growth on your side. But then, like, what's the point if I'm just still working and still... So you're not working at 65. In your picture, you're working until 90 because you didn't save. I don't know.

Starting point is 00:27:12 I just don't see it. How do you not see it? Make the math make sense. Tell me. What's the argument? Right now, I am paying my bills. Are you? Because your boyfriend gives you money sometimes. He gives me a three months. He gives me gas money. Yeah, he'll give me gas money. If you're getting gas money from your brand new boyfriend that's pathetic. He is nice to me. And he's like, oh, you deserve this. Deserve?

Starting point is 00:27:32 What do you deserve? What do you deserve? Sugar baby treatment. It's, and I do deserve it. You're getting gas money from a brand new boyfriend that you definitely did not cheat on with. I didn't cheat on him. But he feels I deserve it. He's, he's a gentleman. He's a gentleman.

Starting point is 00:27:45 He opens doors for me. He calls me beautiful all the time. That's different than you getting money from him. To pay for things because you can't deal with it. He feels I deserve it because I'm a good girlfriend. Or because you can't pay for gas. He thinks I deserve it. So I'm not going to say no.

Starting point is 00:28:00 Which is it? You can't afford gas or you deserve it. Well, sure, yeah, I need the money for gas. Exactly. There it is. You're a fuck. And he gives it to me. And he gives it to me.

Starting point is 00:28:09 So what's the problem? That's the problem. Your boyfriend. Your new boyfriend has to give you gas money. That's not the problem. That's not the point. How are you so stupid? That's not the point.

Starting point is 00:28:21 The point is that you were having to borrow from your boyfriend. You're telling me you're better than other guests. It's not borrowing. Because he gives it to me. Take from your boyfriend, yes. He gives it to me. Oh my gosh. Yes.

Starting point is 00:28:31 You just keep repeating the same couple words over and over again. You think that all of a sudden changes something. Listen, you have to take money from him in order to pay gas. a necessity for living. That's how fuck you are. You're not better than other gas. You're not doing well. You're not even,

Starting point is 00:28:48 retirement's not even in the picture of the conversation. How long would it really take to save up money for retirement? Decades. But like, I feel like I still have time to do that. No.

Starting point is 00:29:03 Because you'll be in bad debt forever and the indication of that, the proof of that is that you are getting gas money from your boyfriend. Sure, if he helps, Sure, but I mean, even if I started retirement... Are you sure he asked the financial problem if he has to give you money, his current girlfriend?

Starting point is 00:29:19 He likes to help me. It makes him feel good. That is not the point. Was that my question? Was my question if it makes him feel good or if he wants to? Was that my question? No, it wasn't. Stop being a dumb fuck.

Starting point is 00:29:31 Are you sure you can say that you were the problem in the previous relationship when in your current relationship, your boyfriend has to get you gas? He doesn't have to. He chooses to. He said that you wouldn't be able to get gas without it. And I wouldn't, but he chooses, but he chooses to give it to me. He chooses to out of your necessity. So you cannot tell me that you were not a problem at all in this previous relationship financially.

Starting point is 00:29:56 I don't see myself as a problem in my past relationship. I really don't. How do you see what you're doing now? Because I provided everything for her. I paid for everything for her so I don't see myself as the problem financially in my past relationship. If she didn't have money for something, I paid for it. And then when I didn't have any money left over from paying everything for her, it was in a problem. It was I overspend.

Starting point is 00:30:17 I don't know how to save my money because all the money I had went to her. How do you feel that that is now you in your current relationship? I don't ask him for money. I don't ask him for money. Why does he give it? Not because it makes him feel good. How does he know you need gas money in that moment? He gets in my car.

Starting point is 00:30:37 I mean, he gets in my car. Like, he can look and see where my gas. So it's when you guys are driving together, he gets gas money? He can see when I'm low on gas and he'll be like, oh, here, fill up. Like, I don't ask him. Anything else. No. He doesn't buy meals or get calm.

Starting point is 00:30:52 That's normal, though. It is normal, but it is still money, especially if you're still going out to eat. He'll take us out to eat. And then you're still buying food. I mean, yeah, I buy groceries, yeah. Going out to eat is not groceries. Dummy. Stop.

Starting point is 00:31:07 I mean, I'll buy coffee and lunch sometimes, yeah. Uh-huh. Instead of putting it towards debt, which was your entire argument. But I put some towards debt. It's not like I'm not putting anything towards it. Minimum monthly payments is basic. Yeah. And I'm doing that. Why don't you call your boyfriend? Let me see what he thinks. I can try calling him. He's at work right now. He might not answer. Yeah, try to call him.

Starting point is 00:31:28 Okay. I mean, he might not answer. So try to call him and find out. Why are you arguing me on... I can try to call him. I'm just letting you know he might not answer. and I have terrible service here Oh my goodness This is every excuse in the world An excuse that I have terrible service That's the building

Starting point is 00:31:47 Just call and if it doesn't work, it doesn't work My goodness, you don't have to Oh my gosh, you're so difficult Hey, can you hear me? Hey, what's up? Hey, someone wants to talk to you Okay Hello?

Starting point is 00:32:05 Why the fuck are you having to give your girlfriend money? He doesn't have to. Just because I'm just nice. I'm just nice like that. Yes, you're nice, but the fact that you're having to... He doesn't have to. Shut up. Am I talking to you?

Starting point is 00:32:22 Am I talking to him? Talk to him. He's going to do the same thing. He doesn't have to. I don't feel obligated at all. I really do it out of the kindness of my heart. Okay, but if you didn't do it, you wouldn't be able to afford gas.

Starting point is 00:32:35 I didn't know that. Don't you have trauma in your previous? relationships with financial issues? Absolutely. Absolutely. I was in a toxic relationship for over half a decade, and I've spent a long time helping her pay off her debt. How old are you?

Starting point is 00:32:55 He's 24. He'll be 25 this year. Okay. Okay, so you had to pay off all her debt. How much debt is your current girlfriend in? I'm not sure. We haven't really talked about that. we've only been dating a couple of months now.

Starting point is 00:33:10 I agree. It is pretty early for like the big in-depth finance talks, but because of your previous issues with your ex, would that not be something that if she cared, if she loved you, wanted to kind of get out of the way so that you weren't going down the same situation again? There's just no reason to talk about her. How much debtor was we talking here?

Starting point is 00:33:33 I didn't really know that like she was in debt. $15,586.97. She has one, two, three, four, five, six, seven individual debts. Her savings is negative $15. She owes to her savings. So that's an additional debt right there. And she spent $1,000 more than she made last month. That's more debt than my ex had. Why, can she hear me? She can. Yeah.

Starting point is 00:34:06 Is there any specific reason that you were holding this for? me? No, there was just no reason to talk about it yet. But you know his past. So why bring it up right now? Well, that's the thing you knew that I spent over half a decade already helping somebody

Starting point is 00:34:26 pay off their debt. Well, I was never going to ask you for help to pay towards my debt, so that's why I wasn't going to stress you with it. Until you can't. You lose your job, but something happens. He's your boyfriend. Exactly. We're together. Like, this is kind of a a big thing to keep for me.

Starting point is 00:34:41 But I wouldn't put him in that position. I said, I'm not going to make him pay for my debt. But why didn't you just tell me? I didn't want you to, like, reconsider things. Isn't that manipulative thing? This is a big thing to reconsider. But it's not your problem to deal with. That's why I just was going to handle it.

Starting point is 00:35:05 You're right. It's not my problem to deal with. I've dealt with this shit for two. long. And it's weird that you're hiding it. I was never hiding it. We just never talked about it. You never talked about it, but you did not engage.

Starting point is 00:35:19 I did not see a reason to. Yeah, this is a hell of a thing to hide. I didn't want to stress you out. Hey, I'm just going to let you know. That's the excuse that every single person that has come on in a couple this episode who ends up hiding even more things in the future. That's the exact excuse they use. I didn't want to stress you out.

Starting point is 00:35:43 There was no reason for him. Just going to let you know. That never ends up well. I just don't have the energy for something like that. I just don't. So, like, I do agree. Maybe we didn't need to have the full conversation yet in a traditional relationship this early,

Starting point is 00:36:01 but she knows your past. She's able to speak very well on the struggle you dealt with. Would it not make sense in your? opinion that then she would have brought this up knowing your struggle in the past. Absolutely. Absolutely. I was in a relationship where I never seen my own money. So I just don't want to hop into something like that again. I understand that you say it's not my problem, but we're together. It's going to be my problem. But it's not your problem right now. Yeah, but he knows it could be in the future. But what about the future? But I would never concern him

Starting point is 00:36:39 with my problems. You can't say that. You have to. We're together. You have to concern me with your problems. I mean, sure. If, like, we were about to make a big investment together, yeah, then I would be like, hey. Is it you guys dating an investment in each other?

Starting point is 00:36:55 Financial investment. Sure. It's the whole picture. But we don't have any conjoined finances or anything right now. Like, everything is separate. But that's still going to put a hole in any of my future plans if I do want to make an investment. But that's so far future. future.

Starting point is 00:37:10 What? Are you kidding me? My debt right now doesn't, like, affect you. And I don't know, but it will in the future if we're going to stay together. Why don't you understand that? And then we could deal with it in the future. But right now, it's not something that's a problem. Are you serious?

Starting point is 00:37:31 Yes, I'm serious. It's not a problem right now. I can't. I can't do this. I can't do this. I. I have another thing to tell you if we're being honest about debt. Yes.

Starting point is 00:37:51 What? Whenever me and my ex broke up, like I said, I had to, like, immediately get my own place. So I had to break the lease at my old apartment. And so they're wanting, like, I don't know, like $2,000 for, like... I didn't have that debt. That's additional.

Starting point is 00:38:11 Well, it's not like an actual debt. They're just saying, hey, we want you to pay for this. That's a debt! So not only do you have other debts, but you have a debt with your ex? They want me to pay towards the apartment because I broke the lease early.

Starting point is 00:38:30 And I feel like I shouldn't have to do that. Shouldn't have to. I don't live there anymore. Any damage is on them. That's another worry. I thought you were going to cut off all ties with your ex. I don't understand. This is a lot to hide.

Starting point is 00:38:47 We got to have a serious talk because this is really affecting me right now. I don't even know what to say. Well, I'm just going to let you know because I guess it's just an honesty moment. Her ex is currently threatening her with a lawsuit, but she didn't want to tell you. She says she'll sue anybody. I know, but you specifically didn't tell your boyfriend. Because she's crazy. So why am I going to be like, oh, yeah, my ex said she's going to sue me if I don't pay her.

Starting point is 00:39:12 She would threaten anything. But you just won't tell him anything. Because why would I stress him out? Why would I stress him out? Yeah. Why would I stress him out? That's your answer for everything, though. Just you're allowed to say things.

Starting point is 00:39:24 Because I'm going to handle my shit. I'm going to handle my own shit. Why am I going to put that on his plate? There's no reason for him to know and stress out about it. That's my problems. Look, that's a lot of debt. And I know around what you're making right now, this is going to take a long time.

Starting point is 00:39:45 Yeah. Yeah, but I would handle that. I wouldn't ask him to help. What do you think about her negative balance and her savings? She actually owes her savings account money. This is all news to me. I'm already in shock. I just, like, I didn't even feel.

Starting point is 00:40:06 because she never asked me for money. I just, I knew she was on her own. I didn't know she had debt, though. I was just giving money because, like, oh, you know, she's paying rent by herself, like roommate. See, that's what I mean. Your service is terrible in here. The culprit dropped.

Starting point is 00:40:24 You still with me? Yes. Can you repeat that last sentence? I just knew that she was on her own and didn't have any help from a roommate, so I was just, like, I didn't feel awesome. obligated. I was just giving money to be nice. I didn't know she'd like actually needed it.

Starting point is 00:40:41 Well, you're giving her that money to be nice. And as you were saying that, a notification for Pokemon Go popped up on the phone. And usually when that happens on the show, I haven't looked into it yet, but most guests spend $100 to $200 a month on Pokemon Go. I haven't played Pokemon Go in years. I just never deleted it. Okay. I have some, I have some shinies on there. Also, I did just find out that even though we're reimbursing her on Venmo, it actually

Starting point is 00:41:04 might be a net loss because it's a thing. Apparently she owes Venmo money as well. I didn't know that either. So it just keeps stacking. I haven't used Venmo since, like, high school. What else do you owe? I think that's it. I really think that's it.

Starting point is 00:41:19 I don't think there's anything else. Are you sure? I think so. This dude had to deal with a shitty relationship in the past where he was paying someone else's debt. I don't think you have to tell someone two months into, well, two months into dating, I don't know, that is when we start having conversations,

Starting point is 00:41:34 but even still. Like if you wait a little bit longer, it's not the end of the world, three months maybe, but you know his problem. It would have only been fair for him to know what is going on in your life. And tell him that you're working on it, yes, not asking for help from him, but to let him know what's happening based on his past. Wouldn't you agree with me, Guy? I agree that I've had my kindness taking advantage of and I don't want that to happen again.

Starting point is 00:42:02 I rarely don't. I never asked him for money. I never asked him for money, I never would. In the future, whenever you said, it's not a problem right now, but when it is a problem, that's what it'll feel like. But I wouldn't put that on your plate. You can't say that. You can't promise that.

Starting point is 00:42:20 You don't know what happens in layoffs and stuff. You can't say that if we're together. Listen, before I let you go, I just want to know what's going through your head right now, and I'm sorry that you're learning this all at once. No, no, it's, I'm in shock. I've, I, you, you lost some, some trust points with me. I need to have a serious talk with you. I, I'm, I'm heartbroken, honestly.

Starting point is 00:42:46 Yeah. That's fair. That is fair. She said, she's sorry with a smug, non-believing face. How's that smug non-believing? I am sorry. I didn't want to stress him out. That was the whole point is that I didn't want to stress him out.

Starting point is 00:42:58 Now he's worried about it and it's not his problem. All right. Well, have a good rest of your day. You too. What the fuck is wrong with you? And you told him you're going to the doctor today to hide that you're coming on financial audit? Like all this shit, like what is wrong with you?

Starting point is 00:43:11 Can you tell the truth about anything? Yes. I just... What's the time are you going to the doctors? He's your boyfriend. You can just say things. I dealt with my ex for so long. Your answer was just about because he didn't need to know.

Starting point is 00:43:25 That's what you were starting to say. I didn't want to stress him out with it. I didn't want to stress him out. That's such bullshit. But you lied about where you're going. You didn't just not say. You couldn't just not say. said where you're going, but you literally lied.

Starting point is 00:43:37 I'm not at work. You said you were going to the doctor. Because I'm not at work. Huh? If I'm not going to work, I have to say I'm going somewhere. But you had to lie about where you're going. So you lied. Sure.

Starting point is 00:43:50 Because I didn't want to tell him I was coming here to do this. Yes. For this to stress him out. Yes. That was the whole point is that I didn't want him to stress out about my problems. You don't get to choose that for him. But that's my problems. It's not his problems.

Starting point is 00:44:04 It actually is his problem now that his girlfriend is lying to him. Now it's his problem because you wanted to call him. It wasn't his problem. He just didn't know because you're lying to him. It was not his problem. He is a lying girlfriend that he can't trust. He can. No, you're literally saying that if you cheated on him and if he didn't know, it wouldn't be his problem.

Starting point is 00:44:23 But the moment he knows, then it's his problem because he found out. Because he found out his girlfriend's a cheating whore. No, that's not the same thing. Like you likely were with your ex. And I'm not a cheater. Uh-huh. Anyway. You're lying about pretty much everything, really not helping with her case there.

Starting point is 00:44:37 I, if I'm the bad guy, I'm the bad guy. But I... Come on. Look what you just did. The dude's like... Well, because you wanted to call him. Yes, but he should have known this information regardless. And he would have known eventually.

Starting point is 00:44:52 Eventually. Eventually never comes for people like you. He never does. He would have known eventually. You just say the same thing. You just immediately, you can't rebut what I say. So you just say it again. I feel like, I just feel like there was no reason to,

Starting point is 00:45:03 him to know right now. It was my problem to deal with and I was going to deal with it in my time the best way I could. But you know his history. It's kind of gross. And he agrees with me and he agrees with me that you should have told. Well yeah, of course he's going to say that. Of course he's going to say that. Well, there you go. That's your partner, the person you're building a life with now. Yeah. And I'm... Who thinks how you did this was wrong. I can't fix it now. No, but you keep defending it. Because what is what else is there to do? The alternative. And what's the alternative?

Starting point is 00:45:36 You would have told him earlier. But you keep defending that you didn't. Okay, well, now he knows. So now it is what it is. And he knows. And if he stays with me, then great, we can work past it. And if this is too much for him, then... If you or your child spent years growing up on social media and experience serious mental health

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Starting point is 00:47:34 That's literally impossible. But shut up for a second. Good one. Can you not listen? Shut up for a second. You're so obnoxious. Sorry. I don't see returns.

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Starting point is 00:48:35 Thank you. Do you go to the gym? Mm-hmm. Mm-hmm. Do you skip leg day when you go? Yeah. Do you really? I mean, I just do...

Starting point is 00:48:45 I go there because it's too hot out, so I just do the treadmill. You only do treadmill. Yeah. Maybe you should focus on leg day. Okay. You... I saw your...

Starting point is 00:48:55 I don't know what to say. Your ankles are like that big around. Is that true? Yeah, your ankles are so small. You're really... Chat. That's for you. Top-heavy.

Starting point is 00:49:03 You're really top-heavy. Well, yeah, I got a fat belly. I don't know. This is this bad, chat? What are we doing? What are we doing here? Okay. Let me know, chat.

Starting point is 00:49:13 Yeah. I think she's trying to find a way to get back in me after I just ruined her relationship because she's a piece of shit. I'm not a piece of shit. And the relationship's fixable. Oh. Wow, you'd be great to be with.

Starting point is 00:49:28 It is fixable. What a dream. Everything's fixable. Um, okay, so you can't borrow anything from what I think here is cash app because you've already hit your max. Yes, that is cash up. Why are you owing? Why are you at that overdue, by the way? I wish I saw that before I could even talk to them. Well, shit.

Starting point is 00:49:50 Okay, listen, you're not only at that limit of $600 that you owe cash app, but you're over to your payment. Well, my limit used to be higher. My limit used to like be doubled up. That's okay that you're not paying this sometime? No, I didn't say that. Then why was that your response? I'm confused. Because you're saying I'm at the limit.

Starting point is 00:50:07 You said I'm at the limit and my limit is what's higher. You're at the limit now. I don't care what it was. This is what it is. Why do I care about was when is is? I'm just saying you know. Thanks for the fun fact. I'll remember that in trivia about your life.

Starting point is 00:50:22 Okay, thanks. This is maxed out today. Okay. And you're not paying it on time. So if you're not paying it on time, you're at the actual max today. No, you're not doing better than guessing. He doesn't even know that you're behind the payment.

Starting point is 00:50:37 So what the f- This is another hide. It's another hide from him. You're hiding that you're not even making the minimum monthly on time. When you even said, Oh, so you sold my money is going towards paying debt at the beginning. Fuck you. It is passed due.

Starting point is 00:50:53 Overdue. Mm-hmm. Why? Why didn't you pay? when you needed to, when you were supposed to. I had other bills that came first. Oh, going out to eat. The critical necessities.

Starting point is 00:51:07 The La Boo Boo, or whatever the fuck you're getting at Pop Mart. Funko Pop. That's right. No, I don't go to Pop Mart. I thought you, okay, Funkopops. Funkopops are different. Okay, very good. You're getting your Funko Pops.

Starting point is 00:51:20 That is more important. They're like $15. I mean, you told Colton in the green room like, ooh, I have my reimbursement comes to Cash App today so I can put, you know, I said if it went to cash app, That would be great. That would be great so that it pays that off so I can borrow more money. That'd be great.

Starting point is 00:51:34 Yeah. Thank you more Fungapops. I put that part in, but. I enjoy my fungal pop collection. What was more important than making a payment towards this maxed out? I had other bills. I had other bills. How can you say that if where your money is actually going is going not to eat in other bullshit?

Starting point is 00:51:51 I had other bills. I had other bills. Oh my gosh. Literally, I swear, this is how something goes for you. I ask you a question. and you're like, well, the answer is this pen. And I'm like, okay, well, tell me about the pen. Well, the answer is this pen.

Starting point is 00:52:07 Like, you're only able to say what you've already said. You can't go into further detail about anything. You're incapable of literally getting past the first brain selling your brain. I'm telling you. I'm giving you an answer. No, no, no, no. You're literally just repeating the same thing over again. I said, why aren't you making the payment?

Starting point is 00:52:22 Well, there's more bills. Okay, tell me about your bills. What's happening? Where's the money going? Well, there's more bills. My other bills, I have rent, I have my car payment, I have car insurance, I have internet, I have electric, I have my phone, I have to put gas in my car. Well, he pays for that. Not all the time.

Starting point is 00:52:39 He mostly pays for that. Come on, even he was basically saying that. I, sure, he doesn't pay for gas all of the time. I still put gas in my own car. But after all of that said and done, I then will go out to eat, funco pops, bullshit, miscellaneous. dumbassery? I've paid all my bills, though, so why can I not have extra money? You owe the 600.

Starting point is 00:53:03 It's maxed out in your past due. You can't, you literally cannot say you paid all your bills. This is a bill. It'll get paid eventually. Okay, so there's the eventually. The same eventually that is you will tell him. So you see how valuable that word eventually is for you? Well, everything comes in due time.

Starting point is 00:53:18 Everything comes in due time. What is that due time? Actually, in fact, the due time was officially due already. You just chose not to. So the due time has already happened. There were things that were more important than that. Funko pop. There were other things that were more important than that.

Starting point is 00:53:33 What? You can't describe. I mean, you talked about rent utilities, but you're making it sound like there's something else. Well, no, it's just that... What are you hiding? Is that him? No, that's not him. Why is it on ring?

Starting point is 00:53:46 So I can hear when it goes off? So you can hear your phone? You're one of those in public. Allowing loud noises to just... Loud noises. It's public. Dude, God forbid someone has their ringer on in public. Oh, what is what is wrong with you?

Starting point is 00:54:01 It's not like I'm at a library. God forbid I have my ringer on. I want to be clear when I say you people, I don't mean black people. Okay. But why do you people? Mm-hmm. Go ahead. You people?

Starting point is 00:54:12 Not care about public spaces that you're in. Not black people. People like you. Why can I not have my ringer on? Because us... Is that a crime? There's a setting. You turn it on and off.

Starting point is 00:54:22 It is a choice. It's a choice. You're making the selfish choice. How is that selfish to have my ringer on? Dude, you have to turn the ringer off when you get your phone. It comes on. I feel the buzz. I feel the buzz in my pocket.

Starting point is 00:54:35 What buzz? Of ringing. Okay. My phone's not in my pocket, so I wouldn't feel a buzz. So I would have the ringer on to hear it ring with my ears. The thing is, in public spaces, the rest of us have decency and try to keep it nice and peaceful for everyone else to exist. Oh, my God. Is it going to ruin your day that you heard someone's phone ring?

Starting point is 00:54:55 It's not just about ruining it. It's the mindset. Do you go on speakerphone in public? No. Listen, the ring yourself isn't the worst thing in the world. It's just the overall behavior. And I thought you were really going down the pipeline of like all that other bad stuff too. But I'm glad you don't.

Starting point is 00:55:08 Because it is really bad when people disturb, when people just are selfish. And I try. Exactly. That's the whole. That was, see, that's why I didn't want to tell my boyfriend in a sense. And whatever. I try to not stress other people. I am a people pleaser in the sense of like, I want to make others happy.

Starting point is 00:55:24 I want to make sure other people are comfortable. Which is why you hide things from the boyfriend. You don't tell him anything. You're not a good girlfriend. So I'm not going to stress him out. All you do is suck him. And that makes him happy. Exactly.

Starting point is 00:55:36 So you think you can just hide things from them. So if that makes him happy, great. Yeah, I'll do my job. You think because you give the good gluck a couple months in. And I do. So yeah, if he's going to send me money for gas after I give him some Gock 3,000, then yeah. And whoever you cheat on with him will also know how good it is. ever had.

Starting point is 00:55:54 So I would not cheat him. He's the best boyfriend ever had. He's a golden retriever boyfriend. He's really so sweet. He's literally so sweet. He's literally so sweet. He's such a gentleman. No, he literally chees me like a princess.

Starting point is 00:56:01 Okay, yeah. I don't think he's very happy with you. Well, yeah, he probably isn't happy with me now. Nor should he be. Sure. And I don't think enough gluck clock will make up for the fact that you are a hider. I don't know. All men are convincesable with a little gluck clock.

Starting point is 00:56:12 Yes, but then the post not clarity. He realizes he has a borg in his bed. Okay. And then I... Girl, see how... Okay. The thing is, and this is what's so annoying, is like, we told you to put it on mute. The also other thing is, it's not in your purse.

Starting point is 00:56:27 It's right there. It can be on mute. You are someone who doesn't care about the environment. You just said to call my boyfriend, so you just gave me the phone. You just gave me my phone. Yeah, but you could have muted it after the last call. Okay, well, sorry, I didn't mute it. That's just how I keep the setting.

Starting point is 00:56:40 You could mute it now. Exactly. That's what I'm saying. You don't recognize the space you're in and how it's inappropriate and rude that your phone is going off in the middle of filming this episode. Okay, well, I turned it off. Okay, well, I turned it off. Good.

Starting point is 00:56:53 After I had to tell you after the second time, because you had no semblance of courtesy. It was, that was my ex. That was the ex. That was the ex? Yeah. Okay, well, we'll call him in the post show then. Her.

Starting point is 00:57:05 We already, oh, you're ex. The ex. That was my ex. What the fuck what she wants? Is she going to threaten to sue again? No, because she knew I was coming here, and so, but she didn't, she didn't know. Oh, the ex knows are coming here,

Starting point is 00:57:18 but not the current boyfriend. She didn't want to be... Well, because a lot of my finances were involved with her. I'm going to call the boyfriend and tell him... Tell him that you told the ex are coming, but not him. She... She wanted... She didn't want to come on the show.

Starting point is 00:57:33 She's your ex. Why the fuck would she be here? I'm not saying I wanted her to come anyway. I'm just saying a lot of my... So she just called you and said, I don't want to come on the show! Was you no contact? No, she's bing.

Starting point is 00:57:42 No, she's bitting because she knows a lot of my money went to her and God forbid she looks like the bad person. So to confirm your $600 that you owe to cash app is because of her. I borrowed a lot of money. You are behind on making the payment because of her. I bought a lot of that money. You chose a buckle pop over it because of her. Yeah, you're a line.

Starting point is 00:58:05 Let me see a picture of her. She's very mask. She's very... I knew you had issues. She is tweaking out. Oh my goodness. Yeah, she's crashing out, dude. Ah, no, you know, it's fine.

Starting point is 00:58:19 No, dude, she's crazy. This was us at the Renaissance Festival last year. She's very mask presenting. She wanted... That is a man. She wanted to transition. That's a man. She wanted to transition.

Starting point is 00:58:33 Ah, that makes more sense. Show me a picture of the current. The new boyfriend. Oh, well, here, I'll show you this. Here, we have... I turned it around so it wasn't on camera. We have a, like, the Polaroid. You're so fucking gay.

Starting point is 00:58:44 Why? It's cute. That's us. He's so. sweet. He's like 5-11. He's like a goofy white boy. He's like a goofy white boy. I love him. Okay. He's so sweet. Um, no. So yeah, my ex really wanted to transition.

Starting point is 00:58:59 I'm just going to say, listen. She, go on, no, God, go on. Dude looks like what. Every guy who complains that he can't get with anyone looks like. And he just broke up with a five-year-old or a five-five, five, five. What do you mean by that? Five-year relationship and then got her, which means that if you are out there not not getting a girlfriend in a weird incel. It is your fault because everyone can get someone and that was proof.

Starting point is 00:59:23 He's so sweet. He's so sweet. He's so sweet. He's so sweet. No, he is handsome. I call him my sweet angel baby boy. Oh, yeah, that's what every guy likes to hear. Oh, you're so adorable.

Starting point is 00:59:34 He is. Okay, $0 in cash app went down from $25. So that's great. Smoking more! So that's what we do instead of paying down our debt because that's $20. It helps with stress. Okay, well, you're stressed out more because you have a nicotine, addiction.

Starting point is 00:59:48 It helps. When I'm stressed. You're stressed out more because you have a nicotine addiction when you're not hitting the bait. No, nicotine helps. When I'm stressed. Until you need to hit again. Then you have to hit. But when I'm stressed and I take a hit, I feel better.

Starting point is 01:00:02 Yes. Yes. That is true. And then that costs you $20 instead of paying down your debt. Which is adding more distress. They last me, a vape will last me like two weeks. Like paycheck to paycheck. Is that a lot?

Starting point is 01:00:13 I don't know. That's not a lot. Paycheck to paycheck every vape. No, because most people. Paycheck to paycheck vaping. No, most people will go through a vape in like three to four days. Like mine lasts. If that's your brag, is that you're addicted only twice a month, go just off your entire life.

Starting point is 01:00:26 Well, there's some people that smoke a pack of cigarettes a day. Oh, good. There's people that do heroin. This doesn't make that good. Sure, but I'm saying, it doesn't make sense to me. There are people on my 600, 600 pound life doesn't mean I'm healthy. You see how that works. Leg day.

Starting point is 01:00:41 Leg day is not going to make a break of this, but I get it. Cash shop, well, you sent money in. Then you went inside got some bullshit or gas. Hard to sell with that price. Where is it? Shut. I'll tell you if it's gas or bullshit. 7-11.

Starting point is 01:00:55 7-11? That was probably an alani. What do you get? Alani. Fri-you-A-Lani. Why Olani? You can't afford to pay back alone to cash yet you use it. Al-A's like the best energy drink.

Starting point is 01:01:05 Actually, is it. For what is? This one is. I'll give you this. Gamer Sups. It's Gooney. What flavor's fun? Oh, that's Jojo's?

Starting point is 01:01:12 That's cute. Well, there you go. See, you know what? I don't even know this flavor personally. I give them out random. Do you not watch any anime? No. I saw Arcane.

Starting point is 01:01:20 Arcane is really good. Arcane recently. Oh, wow, it's been out a while. Arcane is very good. It's a very different art style, which is really nice. Well, that's okay. We're not reviewing. But the thing is, that is a lot better.

Starting point is 01:01:32 First of all, it does taste better than Alani. We did blind taste test confirmed, and our guests say so. People in the audience say so. Ocean, stone, food. But after you figure out what flavor you're like by getting the free samples with Code Caleb in the link in the description below,

Starting point is 01:01:44 once you get a pack like that, That is 40 cents a serving with my 10% off that you get with my link below. So that is 40 cents to serve to make your energy drink at home. No more going inside and getting some bullshit. Figure out of what flavors you want with the free samples and then get the delicious stuff. So you're doing that now. Instead of stopping it, stopping in 7-Eleven and getting bullshit, okay? Who's texting you?

Starting point is 01:02:02 Who's blowing it up? My ex. She, like, left me a voice message and she's, like, blowing me up right now. Let me see. Hold on. Okay. So, yeah, she sent all that. I don't know what's in the voice message.

Starting point is 01:02:15 Take up your phone. What the fuck? Oh my gosh. I'm telling you she is crazy. Okay, okay, okay. I know you're talking shit about me on the internet. See? Someone called me from Caleb.

Starting point is 01:02:25 You tried to call her. Oh, and get her on? Yeah, yeah. Wait, what the feud, Austin? She doesn't sound very mask. No, she doesn't. When we would go out to eat. If I would see a guy that looked like a man and came out with that,

Starting point is 01:02:40 yeah, yeah, I said that if I got that. We would go out to eat if we were at like a dinner table and the waiter would come up and they'd be like for you, sir? and then she would start, no, but listen, she would start talking, and then be like, oh, I'm so sorry, ma'am, but she wanted to transition. She wanted to be a boy, so then it would, like, hurt her ego that they realized that she was a girl.

Starting point is 01:03:00 Wait, you're paying... You're paying a credit card via this. Oh, well, I guess this isn't your loan account, so that's actually okay. Yeah, no. You transferred money in. Foggy dude. Yeah. What is it?

Starting point is 01:03:13 It's a vape shop. Oh, my gosh. Okay, there we go. We're at 50 bucks now. 50 bucks that I could have gone towards you dead. Did you refuse to pay? You won't even make a payment on time. You won't even make a payment on time,

Starting point is 01:03:23 but you'll spend 50 bucks on vaping. Go f*** yourself. Everything you've said has been a lie. I can see that in a lot. And that was to get the fap. And then you went to Don Donuts, $18 there. I'll get donuts for the office sometimes. It's actually fair, the first fair one.

Starting point is 01:03:44 Yeah, because I had to get a change of address when I got my new apartment. So yeah, I did have to pay for it. add to? I don't think anyone really gives it. Well, on my license, it had my old address. Bro, my license has five addresses ago. Well, that's, if you do, isn't it like if you get pulled over and that's not up to date, they can like get you in trouble?

Starting point is 01:03:59 Oh, trust me, they have not done anything with that. Love you cops. Okay. Keep making sure nothing happens. I was told that it was important that, like, it's actually true. So yeah, I got my address. My address is the address I moved down here eight years ago. Oh, maybe you should update that. Okay, Lone, drawdown. Your Tesla will get it. followed today. You'll get red flagged. Mostly just transfers on this page. Sending money to other

Starting point is 01:04:25 people or getting money in from some people and sending money to some people. What do you do with that? That it was more than likely to my grandma. Why? So my grandma, my grandma raised me. My mom raised me. Well, no, no, no, yeah. My grandma raised me. And so whenever I moved out, like, I had planned to live with my grandma my whole life. And so whenever I left, we were best friends. Like, we were best friends. I love her to death. But whenever I had moved, it really hurt her. Like, it was, you know, like baby bird leaving the nest, whatever. She was happy to see me grow and to see me go on with my life. But anyway, so after I left, she really went downhill. Like, she went down hill really bad. I want to. I tell her all the time, because she only gets

Starting point is 01:05:05 social security. So I tell her, like, how old is she? Um, she was born in 64. So she'll be, I don't make me. I don't know math. She'll be, she's in her 60s. She's like 63, I think. Oh, grandma. Okay. Yeah, yeah, yeah. Everyone in my family's really young. Oh, getting more Alani's too. And then VTG.

Starting point is 01:05:24 That's my apartment. That's my apartment. That ain't. I need you. We'll bleep it. Calm down. Shut the fuck up. Scooter's coffee.

Starting point is 01:05:32 That ain't your apartment, bitch. You're doing that, while not paying down your debt. I get points. I use my points most of the time. Well, no. This is actually from a checking account, so literally no.

Starting point is 01:05:42 I get more points when I, like. Use a checking account? Well, I'll scan. It's like you can scan a QR code. So if you pay on your phone, you get more points. You are not paying down your cash-happed debt, but you're using your cash-app checking account. Oh, this is so stupid.

Starting point is 01:05:58 So how much you give your grandma? And what is it for again? You said she's going downhill, but what does that mean with giving money? Okay, so whenever I moved, obviously my whole life was in Maryland. And so when I moved, I had... Why do you have to give her money?

Starting point is 01:06:10 I'm telling you. I'm telling you, let me finish. Use your ears. Use your ears. I hate your big lore. So whenever I move, I had too much stuff to take with me. We drove from Maryland to Texas.

Starting point is 01:06:21 I had too much stuff to take with me. So my grandma said, I'll just get a storage unit here. And then whenever you want some of this stuff, you can come get it. Cool, whatever. And she told me she was like, I'll pay for the storage unit. Don't worry about it. I'll handle it. So she kind of went off the rocker and she was going out with her friends and drinking and doing drugs.

Starting point is 01:06:40 And she was living for life. Yes. My grandma. She was doing drugs a couple years ago. Yes. What drugs? Um, she was smoking crock

Starting point is 01:06:48 Oh my What the f f f f She was at the bar She was at the bar with some of her friends And What? Her grandkin moves out

Starting point is 01:07:03 So she goes and just start smoking There were baby steps There were baby steps for sure Like How do you get to that? It's the last Like so she was going to the bar More often and so she was meeting

Starting point is 01:07:15 Bad Influences And our small town Our small town in Maryland our small town in Maryland was like really bad for f***, was really bad for per-f-friads. And so she fell into the bad crowd. She, like, she legitimately fell into a bad crowd and everyone around her was smoking,

Starting point is 01:07:30 and it was cheaper. The old woman just started smoking- Yes. Yes, at 60 years old. And so I told her, I told her, I was like, girl, you have to, she didn't talk to me for like a year. So she borrowed money.

Starting point is 01:07:42 She just went off the f***ed for a year? Yes, no, so she asked me, she texted me one day, and she was like, hey, can I borrow some money? I have some parts of, I need to pay up or else they're going to take my license. I said, sure, I'll help you out. And I sent her some money. And she asked for like 100. And I only had 50 at the time. She was like, that's fine. That should work. She told me that she went and paid these tickets

Starting point is 01:08:03 and that they let her keep her license. And then I asked my mom, I was like, hey, that's a little shady. Wouldn't they need the full amount? My mom was like, yeah, they would need the full amount. They wouldn't let her pay partial. So I asked my grandma, hey, what did you actually do with that money? And she like, stop bleeding out money making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some bank's pockets. And look, if you're sitting on high-interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple-digit interest rates, you need to hear this.

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Starting point is 01:10:06 GamerSubs.G or click that link in the description below. Type in code Caleb. Bust down. I'm crying on the phone. She was like, I, you know, I was doing drugs. I'm so sorry. I was ashamed of myself. But because she went downhill like that, she wasn't paying on the storage unit with my stuff in it. It went to auction three times.

Starting point is 01:10:31 Oh my goodness, because she was smoking. Paying on it, and she was spending her money elsewhere. So I had to pay like $500. each time because I didn't want to lose my stuff. Like, my degrees are in there. Well, just ship all the important things and get rid of the rest. I don't understand why you're holding on to so much bullshit, but go ahead. I mean, that's my whole, like, that's my everything.

Starting point is 01:10:55 But that's my everything. No, you're what's wrong with America. It's stuff. Just bring down a couple of important things. And I did. I did bring the important stuff with me. Oh, well, there you go. Then sell the rest.

Starting point is 01:11:04 But that's my shit. No, it's stuff. No, who cares? That she quit, I really do believe it. Because like she's quit smoking. She's quit cigarettes before. Like, I really do believe her when she says she's quit. So I trust sending her $15, $20.

Starting point is 01:11:20 And she gives me the receipt. That's like my only credit card. That's my... What is it? What do you mean? What do you mean? What do you mean? What kind of credit card is?

Starting point is 01:11:28 It's just a credit card. It's not called credit card. It's through my bank. What bed do you have? Amico. Okay. What you asked? You asked what kind of card is this?

Starting point is 01:11:36 It's a credit card. What credit card is it? Amico credit card. my fuck, shut the fuck up. $481.52. Yeah, $500 credit limit. No shit, you're not spending it. I just spend it in a month.

Starting point is 01:11:48 You can't! You can't! You can't! 13.65. They're still like, shut the fuck up. Percent interest rate. Minimum monthly payment, 15. And you couldn't figure out statements to save your life.

Starting point is 01:11:57 I don't know how you're going to do anything. I tried. Yeah, I'm sure. You tried so hard. Anytime it would like, there wasn't a download option. There wasn't a PDF option. So you did spend on this.

Starting point is 01:12:10 You, line piece of... Are you sure you don't do... I'm sure I don't do... I am sure. All the medicine I take is prescripted by a doctor. We usually do, like, soft launch it near you, right?

Starting point is 01:12:26 What are you talking about? Like, crap. We usually, like, just, like... No. Have fun, guys. No, no. So that we can come in there and, like, bulldoze housing or something?

Starting point is 01:12:40 No. It's just... No. It's not like... That isn't like that at all. What do you mean? What do you mean? Like, what do you... Are you implying that I have done... Well, no, but, you know, like...

Starting point is 01:12:53 That's kind of stereotypical for a black person. No, no, no, no, no. I was stereotyping white people here. Oh, okay. Where we put it in your community. Oh, like, like gentrification type deal. Like, well, you know... What?

Starting point is 01:13:04 You think gentrification is crap. No, because, like, you would have, like, slums where, like, they corral all these people to make more money. and then pump it with drugs and no grocery stores. But then... I was making a reference to like the crime epidemic. Yeah. It all goes hand in hand.

Starting point is 01:13:24 It was a long time ago. The big thing, the big... What was the 80s? Yeah, in the 80s. Yeah, it was booming. Yeah, it was booming for sure. Your grandma would have been rich. Or dead.

Starting point is 01:13:37 Oh, man. No, she's still kicking. She's still kicking. With a lot more energy than before, right? Yeah. Oh, yeah. for sure. Locked in all times.

Starting point is 01:13:47 Yeah, she's running. She's running for sure. But, yeah, to my knowledge, she said she stopped. So, yeah. Yeah, you're getting five below gas bullshit all on that credit card. Five in below was for Christmas. Five in below was for Christmas. What did you get from five below for Christmas?

Starting point is 01:14:02 They have, they had like these tiny gingerbread kit. Oh, okay. It was for a Christmas party. We had a competition who could build the cutest gingerbread house or like, you ever see that game where you get the surrog bread. grand rap ball and you have to like unwind it and there's candy in it and stuff like that. I went to five and below. Oh, okay.

Starting point is 01:14:20 Well, yeah. It's a Christmas game. And so I went to five and below to get stuff for Christmas. Five and below. That's the name of it. We'd always just call it. No one is five and below. The sign says five below.

Starting point is 01:14:32 There's no and. Is it five below? I've always called it five and. I've always called the five below. But the actual name is five below because there's a degree symbol. I don't know. Okay. Anyway.

Starting point is 01:14:42 But I went there because I knew it. cheap and so I got my Christmas stuff there. Stuff for the Christmas party. Okay. So gingerbread house? Yeah. And then like candy and like little things for the Christmas party. Yeah. Are there bars?

Starting point is 01:14:54 Little prizes. On the windows of the ginger bar house? No. One was like a Minecraft house. They were themed. Like it was like Oreo theme and like Minecraft theme little gingerbread houses. It was not a jail. Was yours?

Starting point is 01:15:06 It was not. Oreo themed? I picked the Minecraft theme actually. little gamer girl he he ha ha um i have been called an orio before though if that's the joke you're making um my mom's white and my dad's black so yeah i have been called an oreo please make a better black joke your father not in the picture that is a stereotypical black kid he left just wanted to confirm no so yeah how you said oh my girl she's really young my mom also had me really young my mom had me when she was 15 and turned 16 that he was he was he was he was he

Starting point is 01:15:43 Oh, a predator is what he was. Because he was like in his 20s. So my mom met him. He, lore, I guess more lore, he was a drug dealer. He was from New York. He was from New York. He was a drug dealer. And my mom would drive up and down the East Coast with stuff in the trunk.

Starting point is 01:16:09 And she would park somewhere. People would come up and take it out. And then she would drive away. that's my dad and my mom and that's their life. Well, they had me. You don't have to do stereotypes in reality. But it is the stereotype. It is.

Starting point is 01:16:23 It is. And they're fun to make fun of, but it didn't have to be real. But it is real. So just like it. But it's even funnier to joke about when it is the real life. So he left when I was three months. Yeah. And he could walk past me on the street and I wouldn't know.

Starting point is 01:16:37 I have no idea what he looks like. I don't know his name. I don't know. Because they all like to say. Anything. No, they don't. We have different complexions. different features.

Starting point is 01:16:44 Yes, I was joking. Silly goose. Stop it. What's your ethnicity? What do you think? White? I would say Greek. You look like you have Greek.

Starting point is 01:16:52 Yeah, it's because the olive skin. It's 25% native. The rest is white. Oh, like feather? Native. See, that's racist. I can joke. That's racist.

Starting point is 01:17:01 Native American, the people that were here first. Not Indians. Native. There's a difference. You know, they prefer Indian. Really? Yeah, it's the white SJW bullshit that are offended on other people's behalf.

Starting point is 01:17:13 that were like, you have to call Native American. I had never heard that before. I thought Native American was the appropriate term because they were native to this land. It is the technical appropriate term. They call themselves Indians. Okay, well, I didn't know that. Yeah. Okay.

Starting point is 01:17:25 It's always how young women always offended on other people's behalf that aren't offended in the first place. Oh, I'm not offended. Classic Americans. Okay, you do $55. That was the... Well, you're American. You're not African. I am.

Starting point is 01:17:38 Have you ever filled out a form word asks what your race is? It's Caucasian, African American. Other black people have told me. me that's offensive, though. They would rather be called black because they're not less American. It's just the type of them. I guess that is true. I guess that is true. See, isn't that a little weird? Everyone's American if you're born here. I guess that is. I guess that. But like people used to be like the blacks. Like they used to like, that's how they would use to say it. So like just to be called like that black kid. And I used to say the N word, but I don't anymore. Good job. No, I did. No, okay. I would believe that.

Starting point is 01:18:06 I've never said it in my life. No, I never said it in my life. No, I know. Generally, that is awesome. I'm glad it's not in your vocabulary because during DLMs. Well, no, no, I never. I never. I never. I never. I I never said it. I think it when I jerk off, but I've never said it. That's quite a place to have it. That's quite a place. Do you think of like BBC or something like that? Like, is that your type? Is that why? You said you think of the N-word when you jerk off? Is it only apply to men? You know what BBC stands for?

Starting point is 01:18:29 Big black. Yeah. So you say you think of the end-word. You said you think of the N-word when you jerk off. Does that not apply to women? You said you think of the N-word when you jerk off. Are women not ends? Yeah, yeah. I'm still a nigger, yeah. Whoa. Can you not believe that out?

Starting point is 01:18:45 You believe everything else out. And we're leaving that in. Okay, that's fine. I'm black. I can say it. I'm also gay. I can say the F word if I wanted to. Uh-huh.

Starting point is 01:18:53 Gay dating a man. I'm pansexual. Pansexual, pan racial. Do you know? So. There's only two races. No, that's CAPA. What do you?

Starting point is 01:19:03 What are you? Oh. That's $50 to. That was a pay advance. That was my first pay, actual pay advance. My, my- Oh, could you just did it. My work, yeah, my work, like, put a new feature in our portal where it's like, you know, get your paycheck early type deal.

Starting point is 01:19:20 I did use that for gas, though. What is this? Central portfolio control. It's a collection. That's my medical debt. Oh, what medical debt for? I had went to the emergency room, like, literally over two years ago, and they had sent me a bill and I just never. Abortion.

Starting point is 01:19:34 No, I know. I've never had an abortion. No, I've never had a pregnancy scare. Knock on what? Never had a pregnancy scare. Never. I've taken a plan B for sure. but like, yeah, never, never had to have the big red button pushed.

Starting point is 01:19:46 Why aren't you on a minimum monthly payment for this? $932. Your minimum wouldn't be that brutal. You don't have to pay medical debt. You don't have to pay medical debt back. Kind of, no. Some of the rules have actually changed in terms of what goes on collections or not. This might hit and actually negatively affect your credit.

Starting point is 01:20:01 Oh. I forgot what the minimum balance required is for that, but I think it's like 500. Like the Biden administration did something where it was like, yeah, any medical debt over this? It doesn't, it's not in collections. and the Trump administration was like, no, yes, it is. Oh, okay. I didn't know that. I just thought you didn't have to pay medical debt.

Starting point is 01:20:18 That's not how it works. It is still like a moral obligation and whatnot. Well, yeah, sure, but that was like a very back of the burner thing because that was my, I didn't think I had to pay it. But you can get on like a, why would you think you don't have to pay? Well, sure. You're just thinking there's no consequence. No, no, I know you're supposed to.

Starting point is 01:20:33 Obviously, it's a bill. You're supposed to pay it. Yes, I understand that. But it was very back of the burner because I thought. Okay. Back of the Burner. They're not going to force you to pay it. Minimum monthly payment.

Starting point is 01:20:43 Still would be cheap. They're not going to force you to pay it. Careful. K and Co. Okay. So, okay, what is this? What's in a 12.8% interest rate? Balance, $4,000.

Starting point is 01:20:53 What is that? $4,000. That was a personal loan. Was? It is, I would say. I had taken out a personal loan back in December. And it originally was a consolidation loan. I know.

Starting point is 01:21:05 I know. See, but it really did derail because I took. I love consolidation loans, but only if you change your behavior. I genuinely did have good intentions when I took that out because it was in December. I didn't say you're evil. Well, no, no, no. Well, you called me a dumb.

Starting point is 01:21:19 Dumbled earlier. Well, you're a dumb. I didn't say evil. Well, I took that loan out because I paid up. When I took it out, I did pay up my cash up. I paid up my credit card. I put extra money towards my car payment. And then I had a bunch of money left over.

Starting point is 01:21:35 So yes, it was a good Christmas. A lot of it did go towards Christmas. Oh, my. But. But at the time. the end of the month. No, but listen, at the end of the month, that was in December, and me and my ex broke up on New Year's.

Starting point is 01:21:46 So whatever, I used the rest of that money towards my apartment. DeFlection, deflection. I used the rest of that money towards my apartment. Listen, if you change your behavior, I'll let you get a better interest rate personal loan. Because we have a lower interest rate, personal loan marketplace on Calebhammer.com now. But it's only for people who change their behavior. Yes. So if you do, you can probably get one at a lower interest rate than that.

Starting point is 01:22:06 That was my intention. But not without changing your behavior. Okay. Because that shit is really good out there It is a helpful tool But only if you change your behavior For a couple months So minimum payment $1223.

Starting point is 01:22:17 I had the intentions. 13% interest rate. You had an intention but you fucked it, okay? I don't care. I didn't plan on us breaking up. I didn't think I was going to have to. Two return fees this year so far. On what?

Starting point is 01:22:29 Your personal loan. As in when a minimum monthly payment was required, it did not make it through probably a couple months into this year. I manually pay that. Well, you do it when you do it. don't have enough money in the checking account to pay by the time it hits. You've had two returned fees.

Starting point is 01:22:44 Not a fee. Yes. It's literally right here. Here you go. Dummy. Dummy. No, I pay that manually, so I didn't know that it was returned. It's right there. It's literally in your account. So I don't know what to tell you. Okay. Well, I never saw it come back into my checking. It wouldn't. What? No, you f***er. When that loan, the personal loan was due or you manually paid it.

Starting point is 01:23:07 Yeah. When that tried to draw, there was not enough money in your checking account, so it applied a fee. Oh, okay, that makes sense. Twice this year so far, four months in. So half the months. So six months this year is the trend you're on. Yeah, you're better than other guests. Fuck you.

Starting point is 01:23:26 $316. What do you owe this for? No. This is a balance of $6,712 in 69 cents. That's my car. That's my car. What's your car? I have a 2015 Chevy Equinox.

Starting point is 01:23:37 Oh. And it's... It's really hoping for a Nissan Ultima. No, no. That's like for Latinos. That's like what all Mexicans drive. Uh-huh. It is.

Starting point is 01:23:50 No, I have a mom car, Chevy Equinox. It is just under 133,000 miles. I don't know. Well, listen, I don't know. But the interest rate at 5.24, it's not the absolute worst. And we didn't get a VIN number from you, so we haven't been able to check it. It was on my insurance card.

Starting point is 01:24:11 I sent my car insurance. I had my VIN on it. Maybe I don't know. But we didn't get that. It is a 72-month-l loan, which is not good. And the minimum fee payment for your income is stacking $316.65. Yeah. I usually pay $3.30 when I make my car payment.

Starting point is 01:24:23 That doesn't really do anything. And it also makes no sense when we have credit cards and shit. So just like stop. Okay, we have another. Oh, these are student loans. What was your degree? I went for secondary education. I was going to be a high school teacher.

Starting point is 01:24:36 Why aren't you? I had dropped out during COVID because online learning just was not for me. I couldn't retain it. COVID was a long time ago. Yeah, I couldn't retain online learning. So I got- COVID was a long time ago. Yeah.

Starting point is 01:24:50 So I started a full-time job. And I've had a full-time job since then, so I just never had time to go back to school. Yeah, but you'd make more as a teacher. I don't know. Teachers, almost their whole paycheck goes to their classroom. They pay, teachers have to pay for their own classroom. Like decorations and all that. Not almost their entire paycheck goes to their full classroom.

Starting point is 01:25:06 But the education system is struggling right now. Depends where. What are you talking about? It's actually getting more funding than ever. In fact, the highest funded state in the country is New Mexico, which has one of the lowest standards in the country. So I'm supposed to go over to New Mexico and teach? No, I'm just saying the amount of money doesn't necessarily affect outcomes.

Starting point is 01:25:23 And to say the vast majority of a teacher's paycheck goes to the classroom. That is not true. Everyone wants teachers to be paid well, but they are many times other than few select districts, yes, and few select states, yes. Teachers actually make a pretty decent. income a few years in. They're getting burnt out, though. Like, my best friend's mom is a teacher.

Starting point is 01:25:41 That's everything. The classroom sizes are, there's too many kids per teacher. You would certainly experience that in Texas. That is also state dependent and school district dependent. But yes, sure. Sure, yeah. It's just not a feel that I want to be in anymore. Okay, well, there you go.

Starting point is 01:25:53 That's a better answer. It's not a feel that I want to be in anymore. I don't. What's your minimum fee payment on your student loans? Oh, God. Oh, it's 1559. It's not bad at all. Yeah.

Starting point is 01:26:03 The answer is not bad. So you had 2,030. 25. Yeah, that was very back of the bar. Listen, I'm very pro teachers. Bro. I mean, sometimes the union is a system and advocates for that

Starting point is 01:26:13 more than it does the students. But besides that, I want really good education, but it just don't cope bullshit. Okay. Oh. Yeah, checking account ended negative $35.15.

Starting point is 01:26:28 So, that's great. Started with a dollar. You're wonderful. And all four McDonald's and Apple Bill. and taking tolls, which you do not need to. When I don't take tolls, it is ridiculous. When you take tolls, you overdraft. Shut up, bitch.

Starting point is 01:26:44 It is ridiculous. Shut up! Cash out, putting money over there. Afterpay, I didn't even see this. Hopefully you paid that off because I didn't even have that in my account. Yeah, the after pay is paid off. Smoking more, that certainly isn't paid off. Vap City, that's not paid off. So far, we're up to now $75, actually more than that, almost $80 for vaping in a month.

Starting point is 01:27:01 More tolls. Can't afford it. You're overdrafted. Shut up. Hallmark. golf. Those were a person good. You are overdressing.

Starting point is 01:27:09 You're not getting a hallmark. No, you're just not. Going into some bullshit. Good in some bullshit. Apple cash set. More tolls while you're overdrafted. McDonald's. Cashed that money.

Starting point is 01:27:19 Foggy dude. Apple. Door dash. You're literally door dashing jacking the box. I can't leave work. I can't leave work to get food. You're a woman. Shut up.

Starting point is 01:27:30 That's not my job to be in the kitchen. Your job is to actually take care of yourself, though, yes. Sure. Yeah. And you can't afford this. You're overdrafting. You're overdrasting.

Starting point is 01:27:38 But when I'm already at work... You do not deserve that. You are not entitled to anything. F*** off. When I'm already at work... Shut up! I can't leave. I can't leave when I'm at work.

Starting point is 01:27:46 Shut up. Yeah, so you prepare food. I don't understand that. Use the meal plan. You dumped it. Okay. What is disgusting creature? But when I'm already there and I have nothing to eat, what am I supposed to do?

Starting point is 01:27:54 Starve. That is no longer an option going forward. It was in the past. It's not going forward because you will always bring food. Okay, yeah. Even I bring food to work now and I'm rich. Great. You can too is what I mean.

Starting point is 01:28:06 Okay. I'll start making sandwiches. I'll start making sandwiches and a brown paper bag lunch. Yep. iguanas something. Iguanarana. It's a Mexican Russian. Great, you can't afford it.

Starting point is 01:28:14 It's $42. What are you talking about? It's all your exes fault. Fuck off victim. Yeah, we're going to call on their post show. I don't care what you think. I said. Vap City.

Starting point is 01:28:23 Oh, my tea. Hong Kong food. $100. That was groceries. Now shut out. Vap City, that was $47. We're $125,000 on vapes in a month now. Sonic.

Starting point is 01:28:32 Zelen out, Zellon out. Is that our court? Appleville. Appleville. Cheese. Microsoft, pull up your phone. More tolls For what?

Starting point is 01:28:39 Pull up your phone What do you want me to open? Shut up I'll do it myself You dumped it Oh my God Wendy's Alta Duncan

Starting point is 01:28:46 Dunkin' Dunkin' My gosh And more tolls You are a broken individual Dude without Toles

Starting point is 01:28:53 It's ridiculous Without Toles Without Toles You're at least affording to drive Because you can't afford You can't afford shit man

Starting point is 01:29:00 It takes so long About Toles You just say the same thing Over again Like that all of a sudden It justifies it Like it didn't before

Starting point is 01:29:06 They're a necessity No They're actually not In Texas, they're not. And in Texas, they're not. And in Texas, they're convenient. They're very convenient. They're good.

Starting point is 01:29:14 I want you to take them. You can't afford them. So shut up. Okay, is this Apple Music and I call it? Plus, I don't know what's your app. Cash. They must be in at purchases and stuff. Yeah.

Starting point is 01:29:22 I play a lot of Monopoly Go. Did you guys just hear that? She just said she plays a lot of Monopoly Go. When we were on the phone with your boyfriend, he said he haven't played it in two years. That was Pokemon Go. That was Pokemon Go. Oh, I meant Monopoly.

Starting point is 01:29:37 Monopoly. Go is the thing that popped up. Oh, yeah, Monopoly Go. I play now. You are a disgusting creature. I play now. You spent hundreds on it while you're overdrafts. And you're just, you're like, you're, go f***ing yourself. They had a hell of kitty crossover.

Starting point is 01:29:49 No, you're a bad, shut up, shut up, die. They have, in Minecraft. And Pokemon Go. No, Pokemon Go is, is dead for sure. Debt payments for 70, 24. What's your rent? My rent is 680. What's your utilities including internet?

Starting point is 01:30:07 Gas, let you call that. that stuff. Gas water, all that is included in rent. I only pay electric. My electric is like $70. You said $680 or $6.18? $680. Okay.

Starting point is 01:30:18 Phone bill. My phone and internet are bundled right now. How much? Like 70, but after a year it's going to be $100. Okay. Switch to helium, $15 a line. It's great because T-Mobile has great service there. So it uses the same towers.

Starting point is 01:30:31 Gas, vroom, vroom, drive, drive. I don't care. Boom, boom, drive, how much? Gas, oh my God, with gas prices on the rise. I usually fill up every two weeks, and the last time I filled up because of prices, it was like, well, it varies because of the price. I haven't done it out, dick. The last time I filled up, it was like $60.

Starting point is 01:30:48 But normally, normally it's like $40. How much do I ever put it in it for a month, dude? Do $100. Oh my gosh, thank you. Car insurance. My car insurance is like $155. Okay. I'll get you a course career certification, by the way,

Starting point is 01:31:01 because many people in the audience have converted those into six-figure jobs. I need you too as well. There's lots of certifications, so you choose what you want to do. You don't make so much more money. You need to make more money, though. It is a job that you can grow with. They're having people there for a long time. Well, get a certification and then you use it in your job

Starting point is 01:31:16 to get a better paying promotion. Because people use them for that as well, not just finding new jobs. Groceries, $300. Use the meal plan. Multiple cooking throughout the week in your meal prepping, meal prepping, meal prepping. You get the digital version of the cookbook as well,

Starting point is 01:31:27 just like everyone at the dollar-wise annual version. TEP you find everything else you need, including tampons, $150 bucks, makeup, blah, blah, blah, all that good stuff. Okay. You could use it. I have some on, actually. If you couldn't tell.

Starting point is 01:31:39 No, I'm fine. No, I'm kidding. You look fine. Medical healthcare. Just fine. Co-pays, things like that? Yeah, you look fine. I mean, you're literally cutting your eyebrows.

Starting point is 01:31:46 It's weird. Fashion. Come on. Passion. Medical health care. Co-pays, anything on your own thing? I'm on doing about your eyebrows splits when the girl came on looking like a clown. Yeah, she was ugly.

Starting point is 01:31:55 Anything looking for minimum monthly. Medical payments. Come on. My work covers vision. Nothing? Nothing. Are they co-pays? Medications.

Starting point is 01:32:05 No, my insurance does cover that. Okay, there you go. insurance gets taken out automatically. I have an aquarium of super low maintenance. Yeah, super low maintenance. Speaking of, you need to take care of your aquarium. That poor fish in there. Hey, he's happy.

Starting point is 01:32:18 He's been living forever. Dude, no filter, no heater. There is a filter. There is a filter in there. And he, the guppy, does not need a heater for the temperature we keep it in this building. Okay. Surviving is not going to kill him.

Starting point is 01:32:30 You can treat it better, though. It looks nice, but like we don't, we do it right. It's like half empty. Yes, but we do it right. Okay. I know how to take care of it. Guffie's is the easiest fish in the world. They're also really dirty.

Starting point is 01:32:44 Filter in the back. Well, it's not dirty there because there's a filter. Okay, so you only... I also have an aquarium. I know how to take care of... Fresh water or salt water? Fresh. What's in it?

Starting point is 01:32:57 African dwarf frogs. Okay, see, you do frogs. I don't want to hear your fish talk. I have frogs. I have cori dora's. I have snails. Shrimp. Yeah, I have shrimp.

Starting point is 01:33:07 They'll do anything. They'll survive any of the shrimp in there. Yeah. The shrimp are like the cleanup crew. And minusing your student loans of 2035 because you'll do minimum monthly payment until it's paid off. You have bad debt of $13,551. With your extra $4.31 and 54 cents on a monthly basis, that brings it to 31 months, which honestly is not the worst.

Starting point is 01:33:29 It's literally a temporary sacrifice. And you're debt free in two and a half years, fully funded emergency fund and three. And then you're done. I told you wouldn't take that long. you do it is the thing. Well, we're going to call the X in the post show. No matter what you think, I don't give a fuck. And I'm also going to see if your boyfriend has texted you.

Starting point is 01:33:45 Let's find out. But that'll be good in the post show. Let's get your hammer financial score first. Get yours at Calebhammer.com. Spending in a budget, all you overspent zero out of ten. Debt collection, zero out of ten without medical. Emergency fund, nothing to saving zero out of ten. I didn't get it.

Starting point is 01:33:58 So zero out of ten doesn't own real estate zero out of ten. You answered your questions incorrectly. It's zero out of ten. Zero out of ten is zero hammer financial score. Click the join button to get three premium. show posted every single day, six days a week, including an extra 20 minutes of this episode called The Financial Audit Post Show. I'll see you there.

Starting point is 01:34:13 Join Hammer Elite. Bye. Hello? Where the fuck are you? Hammer Media called me with some bullshit. I'm doing financial audit. You didn't. I'm not talking about me on the internet.

Starting point is 01:34:25 I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pin comment down below. This is the best membership you'll ever join in, and that's a promise.

Financial Audit - I'll Get Cancelled For This... | Financial Audit

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