Financial Audit - Illegal Immigrant Exploiting The System | Financial Audit

Episode Date: January 2, 2026

WE COULD NOT TALK ABOUT THIS IN THE MAIN SHOW- I don't want to get demonized. Watch this post show ASAP: ➡️ https://bit.ly/chpostshow ⏩ Click here to fill out the YouTube Creator interest form: https://calebhammer.com/youtube 💸 Download DollarWise today: https://bit.ly/dollarwiseapp 🔥 GamerSupps: tasty, cheap ($0.40/serving)! Save 10% with code CALEB: https://gamersupps.gg/caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus ============================= *Sponsors for This Video* ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #ad @hicapitalize ============================= Master Your Money with Caleb Hammer ============================= ⚡️Budget YOUR dream life with my simple courses: ➡️ https://bit.ly/calebhammer ⚡️Check out all of my custom Financial Audit merch: ➡️ https://bit.ly/caleb-merch ============================= *Check Out My Resources* ============================= 👉 Get a $40,000 cash bonus by investing with Webull! https://www.webull.com/k/Caleb 👉 Checking & Savings: Get up to a $350 bonus with a new Chime® Checking account, and earn up to 3.50% APY on your savings: https://secure.moneymatchup.com/350-bonus 👉 Land a high-paying job with no experience or degree: ➡️ https://coursecareers.com/CalebHammer 👉 Get $20 from Acorns for free: ➡️ https://acorns.com/caleb 👉 First 100,000 Fizz sign-ups with code HAMMER10 get $1.0: https://www.joinfizz.com/caleb 👉 Helium Mobile: Use promo code CALEB for a FREE plan ➡️ https://hellohelium.com/ 👉 Protect your online privacy and security for free with Aura: ➡️ https://aura.com/hammer 👉 Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer ============================= *Chapters* ============================= 00:00 Intro 06:25 caleb brought out the GayFax 22:50 nope nope NOPE 42:00 cashapp OWNS her 54:15 owing money to daddy too??? 01:09:45 oh shes too far gone lol 01:26:03 Budget!! ============================= Want more content? ============================= 🍿Caleb Hammer LIVE: / @calebhammerlive 🍿 Financial Audit Follow-Ups here: / @financialauditfollowups ============================= *Connect with me!* ============================= TikTok: https://www.tiktok.com/@calebhammercomposer X: https://x.com/sircalebhammer IG: https://www.instagram.com/calebhammercomposer/ Facebook: https://www.facebook.com/calebhammercomposer/ ============================= *Want to be a guest on Financial Audit?* ============================= 👉 We film weekdays in our studio in Austin, Texas (in person only)! To apply, visit: https://calebhammer.com/apply *Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. This is not investment advice. Sponsorship and business inquiries: [e-mail] Learn more about your ad choices. Visit megaphone.fm/adchoices

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I've always wanted to move out of America. I'm like really happy about my move. Okay, are there any logical reasons why? Because America sucks. America sucks. I feel like it was good financially. I'm not like just like one of those white people moving because it's cheaper. I mean, I did move because it's cheaper.

Good financially? I mean, I have a payday loan in front of me. Wait, you beat your ex? I stopped her because she made out with someone in front of me. Very good. F*** off. And go to Mexico. Go back to Mexico, bitch.

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What? What do you do for a... living in in Ticante. Ticate. Ticate. Ticate. Mexico.

Mexico. Yes. Mexico. Caleb. You don't have an accent. No, I just moved there two months ago. That is rare for

a Mexican to not have an accent. I'm white, Caleb. Well, these days, I don't want to assume based on color. You could very much be black according to TikTok,

so I don't even know. I work in San Diego, actually. So, you know, where Tijuana is. So it's across the border. Yeah. So it's like Tijuana's here. And then Ticcate's over here. So it's like inland.

Okay. So you just go further to the east. I drive, I cross in Ticcate and I drive like through the mountains and then boom, San Diego. Daily? No. Sometimes. It depends. Like five times me. What's your job in San Diego? I am a design consultant. I sell like closets and stuff. You know they hate people like you, right? Why?

Because you earn a higher income in the United States. Yes. But I didn't move there. You are a colonizer. Okay, but I moved there with my girlfriend. My girlfriend is Mexican and she lives there and didn't want to come to America because America. I'm sorry, I swear. They usually like to come to America. I'm using her for papers, actually.

So we're going to get me. Does the cartel know about this? No. Are they okay with it? Well, I'm sure they'll be fine. Like, I mean, I love her. We're in a relationship. Well, they like white girls.

I think. Sometimes. I don't know. White girls with money, but I don't think you have money. Clearly not because I'm here. I literally have a payday loan right in front of me, like beneath my nose. I'm so sorry. So I guess you're our first international guests.

Am I? Oh, wow. Okay. You're a creature. That's interesting. Thank you. You're an interesting one. So you did the, you pulled the good old reverse card on immigration.

Yes, I did. Okay. It's a rare one. Listen, some white people, remote incomes. high incomes are liking to go to Mexico City. That's a very common thing that we're seeing these days. And people in Mexico City, especially the more native-borns, are necessarily super thrilled with it.

It's very interesting how they're allowed to be upset at it. What? What? I did not follow that, but... That's okay. That's okay. It's a lot of words. Listen, people move everywhere and I'm okay with it, but it's...

But I'm not like, just like one of those white people moving because it's cheaper. I mean, I did move because it's cheaper. But my girlfriend lives there And she didn't want to come to America Also didn't want to live here Could she come to America? Well, she has a visa I mean she's here

She is a visa But she doesn't have a green card And she doesn't want to get dual citizenship But I've always wanted Because America sucks And she doesn't like America Just like me so Yeah

Okay That's why everyone tries to move here That's interesting Why does America suck? Well, one, we're gay So like Everything that's going on with like Possibly

America's very gay It's not it's not heading That direction, Caleb Very gay? Well, with gay being okay, we're kind of going more into laws, especially against the trans community. You're not trans.

No, but, I mean, it's a part of our community, the LGBTQ community. We have to remember the trans people, too. No, sure, but it's not really going anti-gay. Things have only gone better for gay. Well, it's getting close to being overturned. Typically, even with trans things, despite what rhetoric you might see,

because grass is always greener, typically the United States is on the forefront of progressive values. It's been European countries that banned beta blockers and other surgeries and anything for people under age, where you can still get that in the United States, state to state. We tend to be on the more

progressive, hey, fuck it, do whatever you want side of things. But I'm not moving to Europe. Well, exactly. I'm just saying... Getting more progressive, whereas we're kind of going back. And how does very traditionally Catholic Mexico think of trans people? Well, even though

like sometimes there are people that have religious views. They're not like quite, like here we have the conservatives, which since they're more prominent, I feel like they're kind of ruining America. Well, they won the last election. Yeah. Will they win the midterms? Typically not.

People that usually are the sitting majority don't usually win in the midterms. But either way, even Republicans tend to not really have issue with gay people these days. Trans very hot topic, for sure. Well, I feel like a lot of the Republicans do have a problem with gay people. But in Mexico, like, I feel more safe, like, being gay holding hands with my girlfriend, even in, like, a small town. Well, gangs not kill you for being gay in Mexico? No.

Really? No, absolutely not. 100% no. Gangs are not against people being gay. The whole, like, thing with, like, the cartel, you're only going to end up in deep shit with them if you go looking for deep shit. So if you're an idiot, yeah. But if you're not stupid, you're not going to get killed. I don't know.

Well, you know, usually where I hear, like, you can get killed. Typically isn't a street You can get killed here for being gay, Caleb. So. And how often does that happen? Happens. Very often? Please tell me.

Give me a recent case. Well, there's the Sam Nordiquist that happened in the last year. And then there was also a trans woman who was killed recently here, but I haven't done like a bunch of research. I just saw a TikTok. But she killed for being trans or is she killed

because people die? People do die. Well, Sam Nordiquid. I don't know a lot about her story, but Sam Nordiquist, he was killed for being trans. Gallup May 2025. just under 70% in the United States support gay marriage. Mexico just about 60%.

Well, I don't know. I feel safer in Mexico. Feel. Yeah, I mean, I've never had an issue, and I've had, like, a lot of people be homophobic here in America. And I come from, like, a Christian conservative family. Well, maybe it's that and not the country. But also, like, I don't know, I would never raise kids in America,

and I've never wanted to, like, live here permanently. So I'm very excited to be starting my life in Mexico. Well, I'm okay with the movie. somewhere and I'm okay with you moving to Mexico. I'm okay with you moving literally wherever you want to move to, but when our logic is very flawed on the reason why and when we're about to get completely

because of our flawed logic to rush into something that might not be good. This was the best financial decision and you're going to see that. Moving to Mexico is a really good financial. You're not full move. You're still work based here as in you can get garnished wages here. Still pay taxes here. There's a lot of things here and you might move

back for whatever. Who knows why reasons? For right now. It's not like you can just have abandon and flee because you're not. You're still there constantly. But my rent, like my rent is what I'm talking about. Like, the difference in rent was like, like now I can put all that money I was paying towards rent towards my debt. I just moved.

So it's like, so I'm here so that you can help me with all my extra money I'm going to have. Mm-hmm. So murdering the United States, 6.8% per 100,000 people, 25 per 100,000 in Mexico. Trans homicides through monitoring projects with trans-communications. Advocates for Trans. People 41 reported killings in the United States in 2024, where Mexico is among the highest burdened countries globally for trans violence with 70 people being murdered on an annual basis on average. And in Mexico alone, at least 353 LGBTQ plus people were murdered within a few years in around the COVID era. and in the United States, substantially less.

Let's see. In the United States, it's not even like a full-on metric that is being pulled straight up on that. But Mexico is one of the most dangerous places outside of the Middle East for gay people. It's legal. Huh? It's legal to be gay there.

It's not in the Middle East. It's legal to be gay here. Well, yeah, but I'm just saying. Listen, I don't care about you moving. That's fine. We can move, but then the logic is completely flawed and the data is completely against it. Like, it is more dangerous to be trans.

Well, your feelings are incorrect. Like, it doesn't matter. Just because, okay, well, you're probably doom scrolling on TikTok. And if that's where you get your feelings with the environment is around you, you are living in a flawed reality. My reason why I feel safer isn't from, like, TikTok. It's from, like, me existing in Mexico. And people are more at risk there.

Violence, hate crimes. Wow. I mean, I think it's fine. Mom was really worried about me getting murdered when I was. I wonder why. Yeah, she was really stressed. But, I mean, I haven't been murdered yet, so I think it's fine. Yeah, you've been there two months?

Almost three months? I think I paid rent twice. Almost three times. You're getting there. You're on your way to that murder. Just don't, your logic is flawed. If it's from Mexico City, stretching income, beautiful place, I get it, but you're going to... Takate.

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Learn more at Schwab.com slash trading. Well, yeah, because I can still work in San Diego. That was, I wanted... Is it a remote job? Because you say you don't go daily. So how does this work? So I, oh, also, I'm commission only. Fun, fun stuff.

So fun. But, so basically I get appointments with clients, and then I go, so I don't get appointments every day. I don't work every day. Sometimes I'll stay the night at my friend's house in San Diego. So I'm avoiding, you know, like the commute every day, you know? But it's not remote. I mean, I can do a lot of stuff from home, but...

Okay. Yes, it does. So what's your normal money that comes in? So it really ranges. I actually did the math to see how much I made this year so far, and I've made $51,000 so far this year. Is that net? Is that what hits before or after taxes?

No, that's in total. Okay, so before taxes. Yeah. Okay, great. In California, it's certainly taxes. But it ranges. Like, I think my lowest month, I would say, is like $2,500 going into my account,

and my highest has been 7,000 going into my account. So, like, last month I had 4,500 hit my account, but the month before I was at, like, $3,000 hitting my account. But I want you to do the budget based on $3,000, and then just kind of tell me where to allocate extra money when it's busy. Okay, so the trans murder rate in Mexico is double. Then the United States is what?

Double? Good to know. And oftentimes in Mexico, it is targeted because they are trans, and in the United States, It is because not always because they're trans. It's just due to violence. Okay.

There are hate crimes. Those hate crimes everywhere for every group. That is 100% true. You know, like, but it is substantially worse in very socially. You have to remember the United States. Yes, I know we have a conservative party, certainly, of course. And they won the last election, ran pretty heavily too. A lot of the world outside of Europe, I mean, even Eastern Europe is socially quite conservative.

Yeah. Mexico socially conservative. Very Catholic country. You know, the United States is very progressive. It doesn't always feel like you might get to the place you want and you will see rhetoric in your doom scrolling and you will see election results not go the way you wish. Does that mean on a statistical average day you walk outside you are in danger? No. It does not.

And you fucking with everything. Just because of that in doom scrolling and fear-based. That's not the only reason why I moved. Okay. What's the other reason you moved? One, I don't do long-distance relationships. And my girlfriend and I... She refused to move here because she's afraid of it.

Incorrectly, though. Incorrectly. To get a green card to move to the U.S. What's her visa for the United States? She has a visa. She has a border crossing card. So she can visit America. Why does she apply for like a work permit?

Why does she apply for like a work permit? Why don't you guys get married? Well, she has a career in Mexico. She doesn't want to live in America. Career in Mexico. She's a teacher. She's a teacher. She's a teacher.

Good money for Mexico. Good money for Mexico. Great. Okay. Okay, but like... How's her English? She understands it, like, almost perfectly, but speaking it is kind of hard for her. Okay, so it would be a little difficult for her.

Okay, got it. So, but again, so... And her whole family's there and like... Well, I get that, but look how easy you guys are crossing. Like, you can go visit family. Yeah. All I'm saying is, is this the most logical... Yes.

It is cheaper for a reason. Do you know why cheaper cities or, you know why Kansas City, Missouri is cheaper than New York City? I'll tell you it's not as good. But I really like our neighborhood is really safe and our street is not ghetto. And there's like a little store on the side. It's really cute. And I have a two-bedroom apartment with a patio and a parking space.

Do you have an apartment in San Diego still? No, I'm talking about Mexico. I gave up. I'm asking still because you were just there. Yeah, I gave it up. Well, it's because I was behind on rent. What do you do if you lose this job in San Diego when you're now international? I get another one in San Diego.

Yeah. What if? I'm in sales. I can go into any sales job, Caitlin. Sure, they might require a little more in-person activity. Yeah, that's fine. I go into work between three and six days a week, depending on the week. How long is that commute?

It's 45 minutes once I cross the border, and I'm like eight minutes from the border. So it depends on how long the borderline is. So it can range from being like two. hours to like four hours. Classic safest cities in Mexico, the ones right at the border. This one's a small border town. It's nothing like Tijuana. It's like a baby town.

It's like one main street. So what am I helping you do? What are we trying to talk about? Okay, you hate fascist America. Got it. Okay. Lawled logic in every way whatsoever, but I understand you live on TikTok and Reddit. Other than that, I actually don't is what everyone says.

It's your generation. My job? Yeah. Older? 24. Oh, wow, you look substantially older. Okay. Do I really?

Yes. I don't know if that's a good thing or bad thing. Bad. So I'm, okay. Well, I don't know. Yeah, maybe it is. Maybe it is.

That's fine. But anyway, so what I'm here for, she's 24 as well with the same age. Are you trying to green car marriage into Mexico? Yes, sir. Are you guys engaged? Are you guys married? We're getting engaged in November this month soon.

We're getting engaged. this month, okay? And then what does that look like? Well, we're getting married in 2027. And I do not know how the process works in good old Mexico. So I basically need to go and get, well, since I'm like in and out, I haven't gone and gotten like a visitor visa. So I'm an illegal immigrant over there right now.

But once we get married, then she can apply for me to get like basically like a permanent resident card in Mexico under like the family unit thing. How long does that take? So, I mean, you got it like within like a month of applying. And do you just get it or are there questions? They ask, they make sure you have enough money. Like, so as long as I'm working in San Diego or like I have an online income, whatever it is, then it's fine. And then we have to like prove that we've been together.

So you're going to pay double taxes? I don't know how that works. I don't know how the taxes work, but probably. Well, I know for a fact you're still paying America and California taxes. I mean, I don't know if I'll have to pay taxes in Mexico if I'm not working in there. I think they'll probably want their taxes. So, I mean, if I do. I do, I'll pay them.

Like, it's not. I don't know. Okay. That's like a later problem. Okay. So you're from San Diego then? No, I'm from Seattle, Washington. I moved to San Diego a year ago?

A year ago? Yeah. Then you're immediately making the move. What are you doing? You're just hopping everywhere. Well, I didn't like living in Seattle. And then I went through a really messy breakup. So then I downloaded a dating app to see where the hottest were in California,

ended up in San Diego. That's where the hottest burs are? Yeah. That's what, in my opinion. Well, I don't know what your type is. I like Hispanic people, so it makes sense. Well, they're certainly in Southern California. Yeah.

Anyway, so I moved to San Diego. I transferred my jobs. Like, I worked for a different company up in Seattle. I transferred to the corporate here. And then it was like super easy, so I already had a job. What does this girl look like? My girlfriend? Yeah, I got to see what these hot f***es look like.

I get my phone. It was like aggressive, Caleb. This is our Dia de los Muerreitos events. Okay. Definitely lesbian. Yeah, obviously. When I see that. Yeah.

And she, it does look taller. That picture. She doesn't look that tall, but I don't know. It's the angle. She's about the same height as me. How old is tall are you? I'm 24. Tall.

Oh, I'm five. Sorry. Okay. You're acting like you're endlessly. Tall. It's just not when I think how I think boobs, but. You have different types. Well, exactly.

And that's what I. I am the boobs, and she's the masculine one. You're the femme? Obviously. I think I need to get Aaron in here. Is there gay here? Hello? I need you to assess her lesbianism.

From a score 0 to 10, 0 being no lesbian, to 10 being just slamming that bush. Side note, I'm so gay. Can we look at the rings? I can't stop looking. I actually get some points for the rings, you know. But the nails are long. Don't look at those.

Well, the lesbian or do her thing. Okay. Sorry. What kind of car do you drive? Nissan Rogue. Hold on. It's white. I don't know.

That didn't answer me anything. Yeah. It's not a Subaru. Sorry. What kind of music do you listen to? I listen to Chapel Rowan, Russ. I thought it was Roan. That's Chapel Roan, so that's a point-off.

What? I said Chapel Rowan. It's Roan. It is? Yeah. I didn't know that. Horrible woman. Do you have any pets?

I have two dogs. They're my children. They're little dogs. I have a Pomeranian and a Chilini. Have you ever seen Portrait of a Lady on Fire? No. I'm a young person, though. That sounds like an old movie.

What's giving hints of lesbian to you? I'll tell you in a second, but what's your... Do you have a score? Do you want to ask another question? She said the last name about Chapel Rhone, incorrect claim. I feel like any lesbian would have gotten that right. So what's her score?

Negative 2. Hey, well, here's the kicker from me that made me ask that she's married. a woman, but... I eat so much... Like... You're marrying a woman? Yes, I'm gay. I eat so...

I thought it was Chappel Rowan. She's a bad gay. Yeah, I thought it was Chappel Rowan. I swear. First of all, it's Roan. Please stop saying that. I didn't know yet. I didn't know you.

I know you. Ladies and gentlemen, if you want your Hammer Lesbian score, your Hammer Lesbian score, go to Calebhammer.com forward slash lesbian. Take the assessment, see where you stand in the world of Les.

And yeah, you could see if you're smashing flaps that night, or if you're going full on the hog. Negative two, I better put on a Nike sports bra and, you know, assimilate to my culture. I don't think they'd fit. I could. I could definitely get a Nike sports bra on.

Okay. Okay. So, okay. And how is this all affecting your finances? Just like, where do we stand? So you're saying $3,000 a month is what we're calling your net? Yeah. Okay.

So where is this all standing with this transition that you're doing from Seattle, San Diego to So when I moved. To Conte. Down here. I don't know. Like, my rent didn't go that much up when I moved. from Seattle to San Diego. Yeah, both expensive.

But my rent was $1745 plus utilities, and then I moved to Mexico. And I had a studio, like a box, like smaller than this. And yeah, it was tiny. No parking either. I swear to God, it was fucking tiny. Swear to God, it was tiny. And now I have a two-bedroom with a parking spot and a patio for my children, and it's only $500 a month.

In Mexico. Yeah, in Mexico. But how was that affected all this? I'm glad you got the rent situation, but you split it with her? No, I pay the rent and she plays like gas, water, electricity. Well, I make more. Electricity while you get it, okay. Let's talk about student loans.

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Wow. Well, Mexico is a technical developing country. It is not a technical developed country. I was kind of shocked. There's developed cities. It's really shocked by that. But I've hot water now. You're literally moving from the peak of the first world.

Yeah. Not to shit on Mexico. I'm sure it's a great place. in many ways, but yes, there are differences. Yeah, I live in a really nice apartment. The prices are correlated with it. It's really bushy. It's a bushy apartment. So it's expensive, and I pay it in American dollars.

It's like for people that make American wages. Uh-huh. Anyway, so now that I have more money, because I couldn't even like pay any bills because my rent was so high, so I got behind on rent, my car payment's super behind. Why, where are you behind? Why aren't you making more sales? Why aren't you getting out there and grinding sales? That's what I did when I was in sales.

I was trying. I was trying. Sometimes there's not enough appointments. Sometimes you're bad at sales and you should change careers. I'm actually really good of sales. And I get told. Nope. In my first two weeks of this job, I hold.

No how you get told you're good at sales. You get more money. I sold $116,000 in the first two weeks. Don't care. You get more money if you are good at sales. It is literally that. Handshake, reward, piece of cake, nothing. Economy.

Right now, people are more scared to buy things because I don't work. What are you selling again? It's like clothing. Closet. It's not everyone needs to buy closet. You're right. People probably cut back on closets. Maybe go sell something people need. I love my job, though.

I get good benefits. I have health insurance, file reimbursement. I know. But I might get a second job. That's why I'm here, Caleb. So you can tell me how to make more money. And I'm going to do a course careers. I might go into medical sales.

Yes, I will get you a free course career certification. We can absolutely do that. That is true. Helps a lot of people increase their income or change career fields. Yes, it is. I'm so sorry to be distracting. Is that even on camera? It's the new iPhone.

What do you think about it? Is the camera good? Is the camera good? No, you couldn't because you're poor. I could put it on a payment plan on T-Mobile. Die. Okay, so great. We did the move to Mexico.

You're going to get engaged, and then that's going to move to marriage, I guess. Yes. My concern here is just based on this bullet, I randomly scrolled down and saw, I got kind of lucky on this. Oh. You have a chronic condition of being a U-Haul lesbian,

just situation shifts endlessly. Just in the spring. He almost moved in with someone named Sarah, and Sarah didn't let you. No, I'm Sarah. Oh, sorry. She almost moved in with you. You didn't let her.

Yeah. Like, you're moving everywhere and you're about to get engaged in this Mexico thing. You're doing full lesbianism. I know. I'm a, but you're, but you're yoholing across a border. I know.

That's an intense lesbianism. I'm really proud of myself. This is like my dream. I've always wanted to move out of America. I'm like really happy about my move. Okay. Are there any logical reasons why? The money.

The money. Okay, money can be a logical, but usually that costs a living goes to that cost a living goes. Like, if you lose your job. I can get another one in San Diego. Okay. You are way too confident on that. I also did a survey.

Hey, remember when you just acknowledge the current economic conditions? Yeah. It is not going to be as easy as that. I have a lot of skills, Caleb. I can do a lot of stuff. Well, unfortunately, that translates to 3,000 hours a month in one of America's most extensive city. So, few. The skills are not actually being translated in the market where they are rewarding you based on those skills.

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Their skills are low. I mean, that is what the market is saying. I sold the law last month and this doesn't matter. I don't give it. If you averaged it out. Okay. But the money thing could make sense. It's usually for like more secure remote jobs that are able to. move somewhere else, but, you know, like Mexico City or something, but leave in America just the money thing, you know, disposable income. Do you know what disposable income is? It's like money you can spend. Disposable income is after everything. Your needs, your insurance, your health insurance, after everything. Compared to the UK, compared to Germany, compared to the most developed countries in the airport, people, grasses greener say everything is better, which they do

build their communities better. I will say that in terms of walkability. And you could use a walkable community. The thing is disposable income after everything, which includes their taxes that pay for the things that we have to pay for the private marketplace. We still have more money left over everywhere. So yes, it is more expensive here, but we have more money left over at the end of the day anyway. That's crazy. So it's okay. So it's good. So that's a good thing. Yeah. So that is also an invalid complaint. San Diego and Seattle are expensive setis, but there's many places you can go. Okay, cool.

Any other arguments for your disdain that is requiring you to leave? Also, my girlfriend didn't want to move here and I wanted to be with her. Yes, but you said you always wanted to. You've been with your girlfriend, like a classic lesbian, only a few months. Yeah. So we met on, what, June 7th, so it's like 6'7. Oh, my, you're getting engaged tomorrow? No, not tomorrow.

This month. Come on, shut the fuck up. Okay, so any other logical reason that you had before you met the woman of your dreams a couple months ago. I mean, the money, I'm excited for that. Oh, oh my gosh. I don't know. There's not anything.

I like brought. We statistically have disqualified the money argument and we've disqualified the hate crime argument. But for me and my finances, it makes more sense. So, yeah. So no other valid arguments. Nothing that we can back up with statistics or metrics or anything real. Other than my personal situation. Other than I doomscroll and that makes me sad.

No. I don't watch that videos. That's all you get. Come on, you just get flooded with information that is negative about our culture, which is a very fair thing. Because that's a very bad part of our society right now. A lot of my opinions come from my conservative family. Well, if you surround yourself with people, you have a vehement disagreement of worldview-wise. And obviously you're going to only associate negativity with this culture.

And I think people should get out of their bubbles more. So I can't believe I'm about to advocate for this. But you can move to a place and surround yourself with people who have the same group think as you. You don't have to leave the country for that. Well, I wanted to leave the country, though. I'm very happy with my move. And I feel like it was good financially. Good financially?

I mean, I have a payday loan in front of me. That was a long time ago. Okay, and it's not paid off. Like, I don't really know. The good financially is relying on you cannot lose this job. Now I have... And at the state of your commission checks coming in from the most expensive city, I wouldn't be so confident on you keeping it for a long time.

I think I'll be fine. Great. What a boat of confidence? Well, I can go... Like, I'm, I don't have a worry of losing my job. I'm doing good the past few months, so. It's a lot of typing there, Camel. Yeah, I'm looking things up because you...

Oh my God, you're going to get canceled for saying that word. My audience isn't full of people like you, the endless furrow clutches who are sensitive about everything in this world. I was making a joke. You're fleeing the country. It's like a lore story, too. Literally when I was moving, I was like, do I want to look back? But you are the type of people that cancel people incorrectly for over-sensationalized bullshit. one of those liberals.

Performative ridiculousness. I'm not one of those blue-haired darky liberals. It has nothing to do with liberal. It has to do with the people themselves. You said it is unsafe for trans people here. So you're fleeing to a safe that is a place that is objectively twice as dangerous. At a minimum. Like, I just don't like America.

Like that's like my thing. That's your thing. That's your personality? No, no. It's not my personality. It's just like my thing with America. I just don't like it. So first of all, Rufford is back in better than ever.

Second of all, not going to get canceled because I have a good audience that we can disagree on things that we don't kill each other for because we're not living on Reddit and TikTok. We have normal people. We are filled with normal people. Okay. Yeah. So in New York, one of the bluest places was the one hate crime that has happened

within the last calendar year on a transgender person. One. What about the same Nordicwest in Florida? Was that more than New York? That is. That was New York. I don't think that was New York. I think it was Florida.

February, 2025. Five New York, 24-year-old transgender man whose body was found after alleged prolonged torture. Five suspects have been charged with second-degree murder. See, people are actually being held accountable, unlike in Mexico, by the way. Five suspects have been charged with second-degree murder authorities. So far, state there is no indication of yet of a hate crime motive. Wow, but it was hate crime. Dude, that's authorities in a blue, hyper-blue state.

It was-de-lawful prosecutors. It was definitely a hate crime, though. I'm glad we can just say that even though the authorities in the state that would say it's a hate crime more than any other state other than California says there's no indication of that yet. I would say it was a hate crime, but... Oh, great. Yeah. It's based on feelings, I guess. Feelings over facts, you know.

Anyways, regardless of that, I don't want to live in America. I know. I just wish we were able to change our entire life. To change your entire life? Yeah, I love changing. To throw away for everything within just a couple months. knowing someone? But I'm not throwing everything away. I still have everything except for a better financial situation. No, it's risk. It is immense risk because the economic conditions is you are

you're able to self-admit, plus you not making that much money suggesting you're not that good at your job. I don't think that I would have a problem getting another job. You're selling closets as we head into a potential recession. I know, but I would be able to get another sales job or go back into serving. It's not that easy. You have hubris beyond hubris. I've gotten every single job I applied for, Kaelum. Girl, you've only been an adult being able to apply for jobs. I've been working since I was 16. Okay, since 16 in good job markets. You've never experienced a bad job market.

Well, I don't think I'm going to finish. In your adult and 16 life, you have never experienced a bad job market. I think I would be fine. Plan on leaving a job. What a thrilling argument. So that's why I'm trying to have it. Because if there is a true logical reason for why you are willing to blow up everything and put yourself in risk before you even have any savings,

before you do anything to move to you haul lesbian, move in with a girl you've only known for a couple months and you get married to her. That's why I want to know if there's a logical reason. If you had it, I would advocate for a more. Like my apartment, I was behind on rent. I was going to have to move out. I couldn't afford anything else.

That's because you are bad with money. I know. I know. You were willing to work on skills instead you're abandoning. But where was I going to move if I got evicted? Where was I going to move? I couldn't afford anything. We could look up a ton of places. You might have to commute far.

You already are now. Literally. You might have to move cities. I don't know. I would not move city. It's you being irresponsible and us having to work on actually real solutions instead of flee. I'm going to be irresponsible now, Caleb. Oh, good.

That really changes it. Ha, ha, ha, ha. What do you think your hammer financial score is zero to ten? Zero being the worst, ten being the best. Quick note. Remind me that I have a question about retirement later since we're talking about this. Anyways, um, zero. You want your hammer financial score.

See where you stand in the world of finances where you're doing well and where you're doing shit and what you need to do to do to do. improve. It is a free assessment only takes a few minutes at Calebhammer.com. And if you don't want to be like a guest who ends up on this show, make sure you download the dollarwise budgeting app a dollar wise. Dot app. It is honestly changing the entire game. It is an incredible budgeting app. New features being added quicker than any other budgeting app. Tens of thousands of people are subscribed for a reason. It is because it is the best of the best. Make sure you do that dollar wise that app. Take a free trial. So if you like it and if you do, sign it for the annual version to save a lot of money.

And when you do, I will personally sign my budget friendly cookbook and mail directly to you. That is only existing for the next couple months and then it's going away forever and it can't be ever purchased, okay? So dollarwise. Dot app, all the links are in the description. Let's jump into these numbers. It's a long memorization, Caleb. So, I mean, as I've mentioned, first thing, right below my nose right here. Yeah, payday loan. Payday loan. Tell me about this. What was happening?

So. And when and what? October. Oh, last log. Last logged in, it was October. Oh, yeah, I was about to be like, this is, I have not paid them, so I know this isn't recent. Anyways, I got this like a year ago, and I'm pretty sure that I, I don't remember what it was for, but I was broke. I was in Washington, though, because I did try to tell them that I lived in Washington again to try to get more money, but because they get $700 there.

What's wrong with you? Why do you want more? Why do you want to go deeper in the hole? How does it make sense? Well, this was, this was a year. Or, can you guys bleep that? Sarah. Okay, yes, yes, I see.

That was your real name. This was a year ago, Sarah, not me now. Also, by the way, it would be so funny. If you gave up your, if you gave up your U.S. citizenship, you became a Mexican citizen. And then you decided you hate it. I would love to see you climb the fence. I don't know that I could. That's what I'm saying.

The fences, it's actually like pretty tall. But if I start myself enough, I might be able to squeeze through. Take a long time, though. Yeah. Yeah. Or going across the Rio Grande. I don't know what that is. Why, it's the river. Oh, I like you.

That separates the largest part of it. I can swim. I took swimming lessons. Yeah. Just let me know if you ever want to do that. We can start a whole series around it. No, I'm getting dual citizenship. Yeah, you're going to pay Texas forever.

Okay. So yes, the payday loan. I took it out. Don't really remember what it was for. And then... You don't remember what this was for. When did you take it out? When did you take it out?

A year ago. How the f f f f f f can you not remember what you took out a literal payday loan for a year ago. It wasn't a lot of money. So clearly it was probably like, Oh my gosh. They probably charged me at the last payday loan and then I took out another one to replace the money. So again, this is another part of my concern.

Again, I do not have a problem with you moving wherever. You can move wherever. I do not care. You can go full and ran if you want to. I don't give a... They will throw you off a building, but I don't give a... Here's the thing. You are using this move as your cope, as your solution,

instead of actually ever building the behavior in implementing the discipline that you should have to live that better life. I'm going to have more money now, so I'll be able to pay this stuff off. Yeah, if you keep your job. I paid my credit cards after not paying them for months recently. Whoa, crazy. Oh my gosh. I'm really proud of that.

I put them on automatic too. I'm pretty sure. Dude, again, listen, what someone does right before coming on the show where they know their finances are going to be looked at is not indicative of their future. I actually don't remember. I doubt it because I would see it in here and we will see it. If that's the case, I will see it in here. I highly doubt it.

Okay, so you don't know what you borrowed for? No, but it's not a money. And why haven't you made a payment? Well, because, one, I didn't want to just, like, keep in the payday cycle, and then I just didn't have the money to, like, pay them. You're making a payment. How does that keep you in the cycle? Because you wouldn't have money for anything else?

Yeah, exactly. And what was your spending on? If I look at a, okay, when was this? This was... This was, like... Name what month you think this is? I think it was January. It's beginning of this year.

January of this year. Or maybe December of last year. What account do you spend money? on. I only have one bank account. Okay. Pull up your mobile app. And I'm going to look at a statement from January this year when you took out a payday loan because we could make a payment towards only a $255 balance because we would be stuck in the cycle. So let's see from January this year when you were dating someone else who almost moved in with you by the way.

I'm glad we were getting married. I was dating someone else at the time. Well, we had just broken up. Oh, right. And then the springtime. The springtime's when you almost moved in someone. So right, it's only been four that we've almost married this year. Come on.

Keep going. No. I did not almost marry that girl. Oh my God. Wait, hold on. I might have to log in on the thing because it's trying to send me a coach. On the thing. I might have to log in on the, hold on, just give me a second.

Because it's trying to make me verify my phone number and I have a new phone number. So I'm going to try to log in via not the app. How do people like you exist? I don't know. Why isn't it working? You're going to yell at me, huh? I'm waiting. I'm scared.

Okay. Remind me later. They talk about retirement? Good. luck. We're talking about a payday loan right now and you think we're going to talk retirement? It's hilarious. I don't know if it's going to let you. No, it's because I have a retirement account and I need you to tell me how much I should put into it each month. Zero. Pay off your payday loan. Anyways, so I don't know if it's going to let me because it

says online banking is temporarily unavailable, but you can like press the things and try to figure it out. Yeah, you can just... What is wrong with you? I don't, it's not my fault. The bank's doing that. Wait, tax statements. I don't want tax statements. I just saw it. Oh shit of my absolute Do you need help? Maybe I don't know What the fuck is this? Give it to me

I'm trying to find statements And I saw it I saw it I fucking saw it Let me help you Wait no stop I fucking saw it Do you ever get Dutch bros?

No, I'm not a fucking animal I love Dutch bros Listen this is my favorite sound Caleb Anyways do you want to know How I discovered I was a lesbian? No I was in a thropole

I said no Okay. So when she was afraid to make a payment on her $300, $255 payday loan because it would keep her in the cycle. Here is what her month of January looked like. I think I made a lot of money that month too. Better buzz. Looks like a bar or a restaurant.

She spent about 12. That's a coffee place. Coffee place. $12 there. She spent something square up. $100 out. I don't know what that was. I don't know.

Looks like, oh, there's Dutch Bros. 1476. Love a Dutch. He loves a Dutch. And a Mexican. Mm-hmm. Williams Taylor.

I don't know what that is. Oh, that is another loan, I think. Oh, good. James Taylor. I don't know. What that is. I think. Alaska International.

Yeah. Oh, my, I went on, I flew home and my dad, my dad, Venman, me the money for that. I got to fly first class. Coffee driven, $5. VDemot, $200.

Cash app. My gosh. Prime Video. Yeah. Planet Fitness. I mean, I'll support that for sure. Yeah. Amazon.

How much was Amazon? Is it like a subscription or did I buy shit? I've already moved on. Prime Video. Just endless amount of cashette, by the way. You can audible when you're in a place that definitely has a library. when you can't make a payment on a payday loan. I don't give a fuck.

They're on Spotify. Oh, that's just true. And I guarantee you probably have Spotify. I do. So why I listen to you, Caleb? So why I have two? Really? Great.

Thanks for making me less money. What do you mean? Would you rather me watch through YouTube? Yes, and it's ahead by a week. Okay, I will start watching on YouTube for you. That's fine. No, Spotify's good too. We like both.

It's because I. Amazon Cash App again. Williams, Taylor things everywhere. How much is it? The courtyard bullshit. Look at all of this that is happening. All of this that is at POS withdrawal. Now, these are like purchases that are being done through cash-f.

Dude, you're spending bullshit. Cash-hap bullshit. Cash-up bullshit. Cash-up bullshit. And I can't see what they are, but it's you at a kiosk spending money through cash-app. You're doing all that where well-sit-own it all. Pay off your home, travel for life. Drive a Ferrari.

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Details at yamava.com must be 21-20. Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. I'm hearing and crying, I'd be stuck in the payday loan cycle. Fuck you. You're a liar or disingenuous. You cannot make me feel sympathy for you.

being in a payday loan cycle. You can't. When you go and blow all that fucking money on Dutch Bros. Coffee bullshit and endless cash app to happen at a kiosk, fuck you, you spent bullshit. It is unacceptable. You can't tell me you'd be stuck in a payday loan cycle.

You're choosing to buy your bullshit spending. I don't want to fucking hear it. But I ended the cycle because I haven't paid it and then retaken out more money. So I'm halfway there than ending the cycle. Just pay it and then close it. This is not an.

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we've got this whole YouTube thing down to a science. And the thing about science is it's meant to be taught. In fact, I've been thinking about doing a little YouTuber academy for a while now, but I need your help first. If this is something that you're actually interested in, can you fill out the form linked below? It only takes about a minute, and it'll let me know what I should actually include in the academy. So fill it out and stay tuned. Honestly, it helped me out, and I want to help the next generation as well. So if you want to be included, feel free.

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Literally the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at GamerSubs. or click that link in the description below, type in code Caleb. But then I would worry that I would want to take the money out again when I call it. That's why you close it. Are you dumb? You call them and you close it.

You like never lend me money again. You close your account. I don't think you can do that with payday loan. You can probably close your account. It would be really weird to have an account somewhere that you are incapable of closing. I would be absolutely shocked. Listen, I'll let you use the Viz card. I don't know how it works with Mexico specifically,

but at least it's a debit card that builds credit. Like I work in America, so I don't use like Mexico. So you can only spend what's in your checking account because obviously if we're taking payday loans of bullshit, you're going absolutely moronic. Yeah. It's been a while, though. Okay, they don't call me anymore. That's why I've kind of like put it on the side burner and it hasn't gone to collections. So this is like end of priority payment.

Yet. Yeah. With you. What the fuck even is? I've never even heard of this in my life. It's like a mistake. This is with you or VV? It's with you loans.

They're like a. loan shark company basically. Oh, good. Because they charge like 300%. It's not a payday loan. It's like a personal loan. They charge like 300%. Oh, that's fine.

Like payday loans. Madness. Actually, I called my bank and had them like not allow them to pull payments from my bank account. Why? Why don't you pay your fucking bills, dude? Okay, but they charge a lot. What's the normal minimum fee payment? Because obviously there's a stacking up.

It says 70740. I haven't. No, okay, so they're not in charging interest anymore. Right now, they're trying to. just get me to, like, make a settlement with them. They want a settlement. So that's good. Yeah, they just want me to, like, pay, like, a little more than half.

What have they said? So that 707? Look, can I see the paper? Sorry. Just, I just need to. Okay, so, okay, so the amount due right now is the 1649. And the 707 is, like, a bunch of payments, like, stacked up because I didn't pay me. I've already said that.

This 1649 is, so they are basically are trying to settle with me for, like, $1,200. I don't want to pay them that much. Very good. Well, it is money that you borrowed and signed a contract for. I only borrowed $800. So who the fuck are you to say, dude, you signed the contract? I know. I don't like this type of product.

And I didn't even learn my lesson. It's really bad. I think you should open a company with loans, but an ethical loan company, Caleb. There's already ethical loan companies. I mean, there's ethical loans. But you can make more money. Even this, I mean, depending on how they marketed it to you, I would say never get the loan. Doesn't mean they were horribly unethical about it.

Because you still signed the contract. It's a shit loan. I don't like it, obviously. It's not the product that I'd advocate for, but you sought it out, right? Or did they seek you out? No, I saw it. Well, I found them like when I was like 19. So, oh, my brain wasn't fully developed.

Well, technically it's still not because you're 24. Yeah. According to where you get the rest of your information. Anyways, so that's what's going on with that one. What is the normal minimum monthly payment? I honestly don't. I think it was like $150 every. two weeks. I think that's what it was.

It's been a while else. I'll call it three. I'll call it 300 for sake. Do you know anything? This one, like, I can just settle with them. So I want to put this on like a later problem. Because it's not in collections and it's not collecting interest. Unless they send it to collections.

I, okay. I would rather do a settlement on this one though. I would too, but they're probably accepting that internal collection settlement and then if they feel like they're not getting it, they're just going to sell it for pennies on the dollar to a collections agency. Okay. We'll talk about it at the end when you make the budget. I tried to make a budget and this was not in there.

Well, I don't know. I don't want to put this in the budget. But there's a flaw in what you're thinking is what I'm just trying to tell you. Well, I would rather save that money up and then put a subtle... I'm telling you potentially consequences of it. I know. It might not always be in settlement forever. I know.

Internal collections with that company. Maybe. And that's if they still have it by the end of the year. You don't know when they get rid of it and when they won't. Have they told you? Then what the fuck? You're doing lots of guessing. Okay.

You're the boss. I'll let you decide. Where you, anyways. I don't know. I just want to make sure you understand that you cannot guess the future. You cannot be confident in everything.

You cannot say I will have this job forever. You can't say I will have this job forever. I can just settle with them forever. I can go get a job no matter what within a day forever. Your credit scores already 427. You're like what are we doing? I feel like this the lowest you've had on the show. Is it?

It's pretty damn. Honestly, it might be. It is. It might be. Okay, it officially is. Yeah, congratulations. World record breaking. Thank you.

Of how horrible someone is. And you don't think you, I don't think you give a fuck. I really don't. No, I do. I do, because I can't get more credit cards with such bad credit. Uh-huh. Okay. Nor should you.

You're not a credit card person. Why would you? I will be a credit card person. Do you try to pose every time you take a sip? No. I don't know. Was I posing? Sorry.

Continue. You made a hole in the paper, Caleb. Why would you do that? Sorry, it was like giving me OCD. Continue. I see money owed to dad. What is that possibly for? He already got your flight home.

He buys me a lot of flights home. I love my dad. What do you fly? Alaska first class. First class. My dad pays for it. I actually bought my girlfriend and I tickets to go home, and I didn't get first class

because I can't afford it, obviously. And? And I'm really sad about that. Because my son's coming with, so it's hard to fly with him unless it's a first class. My son's coming with. Son? Child? No, bear. My dog.

One of my dogs? I birthed him. He was $3,500. Oh, my, fuck. He's really cute. Did you pay for that? My ex at the time did. And then when we broke up.

One of your thousands of almost wives axes? My ex did at the time. And then when we broke up, my mom and I split the cost to buy him from her because he was my baby. And he's my mom's grandpup. When was this? A couple years ago. Oh! How'd you pay for that?

Well, I got to a car accident. And I got a settlement from it, like $20,000, so I paid off my debt. But it's very topical. I'm not trying to be mean. When you fly... Because my dad's boozy, so he only books me first class seats. But when you fly... I fly coach.

Are you kidding? I'm poor. Uh-huh. I flew southwest here. Uh-huh. And that was with... My girlfriend? One seat.

What? Seats. One seat? Yes. I can fit in one seat. Okay. It's very topical right now because sometimes people think they deserve... And I don't need a seatbelt extender, okay?

I can buckle in. I don't. I can buckle in. Suck it, you know. Okay, because some people think they should get a free ex or... No. Are you kidding? I'm not like a fat advocate.

Wait, you beat your ex? No, I did not beat my ex. I stopped her because she made out with someone in front of me. But... Abuse is always okay when it's women. It wasn't... It wasn't... It wasn't abusive.

If I slapped my girlfriend, would they say I'm abusive? I don't know. No, the answer is yes. Are you serious? Well, I don't know. It wasn't like that hard and I was really drunk and she was making out with someone. Guys, if I was really drunk and slapped my girlfriend, would it be abuse? These double standards are insane in our culture.

I did not beat her. I bids up her. You, you fucking bam! It was a little less aggressive than that. Well, that's what I think when I think of a f***er. No, it was like, she was like, oh, I just, like, loved making out with somebody else, blah, blah, and I was just like, but we had like, we like fake slapped each other. No way it was that. It was like, it was like, it was like super hard.

I am. So it was that. Like, yeah, I don't know. It wasn't as hard as like you're like, like this. But. Brennan, can you bring your face into frame real quick? I'm not going to slap him. No, he's given consent.

Didn't you? Okay. Reenact, please. I want to know the exact. metric of this slap. I don't know which hand. Okay, let me use my dominant hand. I'm so sorry.

I don't want to, like, hit you. Yeah, I'm going to take off your tools. Yeah, I'm going to take off my rings. Because I don't want to hurt you. Okay. I don't know how to like turn towards her. No, there we're probably like that. Oh.

Were you just abused? Yes. Okay. All right. Well, I don't know. I feel like it's, we also like stopped each other a lot in the relationship like playfully and I was really drunk. So it's like kind of part of that.

Girl, you using this, I was really drunk argument. It does not work on the other side. I don't know why you think you get to keep using. I don't know. I don't regret slapping her. She deserved it. She was a fuck. She stole money from me.

She cheated. She did a lot of stuff. So, yeah. She deserved to be slapped. So how much do you owe to your dad? 4,500. How much does it say? For what?

I think I owe $4,000. I borrowed $3,500. Hey, this ex watches financial audit. No, that's a different X. You have a thousand almost wives. This is crazy. The way lesbians do this. The ex that watches financial audit.

Fuck you. That ex. Oh, another one, fuck you. It's almost like every relationship you're in and she's fucking cheated on me. And she was like a whole thing. Anyways, so the ex- I can't wait for you to be saying this about the person you're almost marrying and moving to Mexico for. That's what you said about every single one of them while you were dating them.

All the follow-up, you'll get wedding pictures. Yes, but post-divorce. I don't think so. Okay. So, okay, she watches financial audience. You're excited to find for her to see that you're in love? I don't know. She's seeing you in love of.

thousand times though. No, she hasn't. We broke up in January, so it was like recent. Oh my gosh. And we like, yeah. And then there's another one in spring and on this. This is crazy. What the fuck is wrong with you?

Well, the one in spring was the situation ship and I didn't like her like that. We just like, yeah, I don't know. We never dated or anything. I'm a you whole lesbian. I'm sorry. Yes, you are. It's a chronic condition. But that doesn't always end up good and you're literally changing your entire life for it.

I mean, if my girlfriend and I broke up, I would still live in Mexico. Like the money is just better It's worth it Yeah Anyway, so my dad I owe him $4,000 For what possibly why I was a couple months behind

On my car payment Oh my gosh, when? I saw your spending I saw your spending How can you borrow money from daddy Daddy Give me money please While I'm going to blow me money

This was in last November And if I pull up November What am I going to see it? Not a lot of money You want to see it? I will see spending. Will I not? Yeah, but not like enough.

I will still see spending. You cannot borrow money from debty when you're spending on bullshit. So I had a lot of stuff in collections. You're selfish. I paid off my collections with that. Last month alone, bullshit spending was at minimum $800. I don't want to fucking hear it. Minimum!

I want an audit on that. I feel like that is not true. We're literally doing it right now. Are you stupid? And then there's other large purchases of $1,600. We don't know what that is yet. And then there's unknown shopping of $327. How much it is spent?

That could be bullshit. That could be bullshit and we will find out if that is bullshit. But we know for our literal fact, you spend at minimum, basically $800 on bullshit. How much did you spend? That's a great question. Could you tell me? I spent $4,000. You spent $4,642 and $0.34.

You're borrowing $3,464. You spend $1,000 more than you make. Die. How do I spend $1,000 more than I make when I know of it's a $1,000? how that works, isn't it? It's interesting how it works. No, I actually don't understand because I don't have credit cards.

Well, there's already a little money left over sometimes. We will go through it and I will show you. Interest goes up. A lot of things happen. Okay. It's concerning. Okay, so $4,000,

this was from last November and you've done nothing for Daddee? I've paid him back like $500. So far. Oh, for a year? In a year, we've paid $500. Yeah. Of $4,500.

But I'm going to pay him back fully because he won't let me borrow from him again until I pay it back. No, he shouldn't ever again because he's enabling you. You should face consequences for your actions and learn from them and you never will. He does make me face consequences. Because Deadney is there to save his precious little daughter. Right now he has other kids that he's spending his money on right now.

So I don't think he'd let me borrow money anyways. Yeah, chronically enabling. It's great. It's really healthy. It's going to lead to great life skills for his kids. I have a lot of great life skills. Dude, I don't see any of them. It's because you don't know me.

Well, tell me, what are your life skills? I don't see that. I'm really good at public speaking. I am very like entrepreneur. You make 3,000 hours a month. Yes, right now. In San Diego. It's usually more, okay?

But that's your average. You said average it out at 3. So you get up, you get down average 3. You make 3,000 hours a month. That is not indicative of an entrepreneur that is successful or a salesperson successful. I did like the average. Because I just wanted to like the minimum.

Very good. You're not doing well for San Diego. Anyways. 4,000. You're not doing well for San Diego. 4,000, maybe we can say that's doing halfway okay for San Diego. No, honestly still know. Because that's gross, because that's gross income.

Can you do me a favor, Caleb? No. Okay, so what else? What are your other skills? I need you to open this for me. No. I can't with my nails. Well, if it was a gamer subs, I would do it.

Instead, you have an awani like a creature. Well, should I go get one of the other ones? Yes. So what are your other skills? Clearly not being able to use. use your hands. It's okay. I'm going to figure it out.

Let me try to use my lip cloth. Can you tell me what your skills are? I'm really good at writing. I'm good at... How? You can't even open a bottle. Because I have nails on. I don't want to break one.

Oh, my God. It's really struggling. I'm really good at writing. I'm really good at public speaking. You're naming off the most generic, like, freshman in college skills. Do you have anything that's actually translated into the marketplace? Yeah, my sales and my serving.

And then also I have... money for sales. I have a lot of stuff that I'm doing. I'm just not doing it consistently. I have to make money off of it. Like content creation. I have a podcast. Oh,

you have a podcast. Yeah. It's a true crime podcast. Of course it is. Like, I got it open on my own guys. And what's your monthly listeners? Oh, I haven't published anything in a while. So like, nothing.

Yeah. Nothing right now. And you've moved to Mexico. So you will be a subject of one very soon. What? A true crime podcast. Oh, I don't think so. I don't think I'm going to get murdered.

Just statistically more likely to. Okay, so we don't have a minimum monthly payment agreement with Papa. Well, we did, but I didn't pay it. It was supposed to be like $100 a month, I think. I'm going to put it at $100 a month. Yeah, please, put it in there. I will. Because I want to pay him back.

Okay, I see 2002 an old apartment? Yeah, but they're not like... Oh, your podcast is supposed to be with two other people, but you can't find anyone else to join you. No, like one other person. And you can't find anyone else to join you. No, because it's like a very niche thing. True crime. Yeah, no one else does that.

It has to be a queer person. Yeah, there's no queer people in the United States. Dude, your fucking age group, 25% of people identifying with queer. If anyone wants to be on a podcast, find me. I don't know how they're going to find me, but find me. You're not hard to see. I know. But anyway, so my old apartments, I was behind on rent, and I owe them.

But they haven't come after me for it, so I think I'll be fine. We're not going to probably go to collections. Well, I was supposed to be able to log into the app to make small payments. and they don't, well, like, I'm not able to get into that app and they haven't contacted me. No, because why am I going to contact me? Why am I going to contact them? To make your payment so it doesn't go to collection so you don't fall below 400?

We never had a payment agreement. It was just like when I can make payments, I can make payments. It was never like this much a month. Okay, and what, do you don't know what it was going to be? They were fine with me just paying whenever I could. It's like really ghetto apartment. Well, you blow it all in bullshit. Okay, I want to put that with like the for later's,

because I have a lot of stuff I need to pay off now, like my car. Like that, to my old apartment, I feel like that can be, later problem like these two. It can be, but how long has it been? Like two months. This is my most recent apartment. This was two months ago? What is wrong with you?

So that's why it's not in collections yet. You're a mess. How, how, oh my gosh, and you're indicative of an entire group of people too. This is crazy. I don't know how we're going to make it as a civilization. I really don't. I really don't. I really don't.

And you're just blowing all your money getting your bullshit. And you like the Ilani? Yeah. Okay. So I probably need to like start buying. No. You don't need to stop buying cases. Instead of making your coffee at home,

instead of stopping and getting your Dutch bros, make your coffee at home for cheap. Ambition comes in all shapes and sizes. At First Citizens Bank, we roll with your goals because we're built for what you're building. Fit for your ambition for Citizens Bank. Keeper. Instead of getting your bullshit energy drinks, taste your ones.

Here. This powder is 25 cents a serving. It is gamer subs. 25 cents a serving. You can get free samples right now. Link is in the description. Typing code Hammer. Or get your 25 cents to serving with 10% off using my link as well once you figure out what's flavor you like.

Make it a home. No more stopping in and getting some bullshit. Caleb, what is this? Guacamole gamer fart. Yeah, they're very goony. And this one's lean. Gwacamote flavor. This one's lean with Steve Harvey on it.

It is not racist. I don't know, because then I have to, like, mix it with, like, ice and... No, just water. It's water. It's water. There's water. I know this is a lot of working out for you, but you just have to shake it up a little. Dude. I don't know.

Maybe. Instead of a $4 energy drink. Are you... These at Costco. Links in the description. You guys do it. She won't because she's broken. But get your energy drinks.

Make them at home. 25 cents a serving. Okay. Okay. Next. So we don't know what our minimum fee payment is going to be on that. Okay. No.

And dingo. This is a mess, Caleb. What are you doing? I wish you didn't touch my shit, because what if I need to go back to it? And I know where it is. It's in the same order. I knew where it was. You absolute beast of a woman.

Okay. Wow, we are over the limit. Yeah. By $450. How the fuck, did you even possibly achieve this? Well, so you owe $1,450. And $49. There's the limit of $1,000.

What is wrong with you? You are a creature of the night. I just haven't paid it in a while. In a while! I would say so. So the interest added up. I know the payment is probably 50 bucks a month, but you're currently old 300. I think it's 60.

Okay, I'll say 60. Because I have it like, yeah. Yeah, pass due a lot. Interest fees, bullshit, death, all accruing four years to pay off. It also has a $250 yearly fee that I didn't know about because I don't know how to read. Why? What are you even getting with this card? I don't even know.

It's a master card of some kind. I don't know what comes with this. I don't know. $41 late fee there. Yeah, late, yeah, every month this year so far, of course. We're not even shocked. I don't think it's every month because I got it in the same time. I'm pretty sure it's been every month since you've had it.

You tit. I think I've paid it twice. You tit. You tit. I don't think so. I doubt it. Highly doubt it. No.

You're above the limit. Crewing hundreds in interest. 35.9% interest rate of insanity. Of insanity. What did you even use this card for if you've over maxed out since spring and don't make payment? Since spring. I don't know. Since almost three girlfriends are.

All right, let's talk about something most people straight up ignore. Your old 401k. Yeah, that retirement account from your last job that's just sitting there somewhere. Probably meant to roll it over months ago, but between job changes and figuring out how to adult, it got buried deeper than your New Year's resolution. Did y'all even know that 25% of all 401k assets are lost or forgotten? That is your money just floating around and trying to roll it over? That's a whole circus of phone calls, paperwork, and maybe mailing a check like it's in 1990. But Capitalize makes it stupid easy. It is a free concierge platform that helps you find your old 401k open or link the IRA of your choice, and boom, they handled the rest.

I didn't even have to know where my old account was. They tracked it down for me. So roll over your old 401k today, hit the link in the description, or go to highcapitalized.com slash Caleb. Your future self and your net worth will thank you. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. can't see where it's going. If your bank account is empty at the end of every month, that is not

bad luck. That is bad tracking. And it's exactly why I use Dollar Wise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard, everything you need and nothing you don't. And when you download DollarWise today, you'll get to try it for free, plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. I don't know. I don't remember. Probably like Dutch pros and shopping scene maybe.

Fine. Pull it up. Pull up the app. I don't have the app. Are you? What is wrong with you? I don't know. Deleting it doesn't delete the balance.

I never don't. I don't think they have an app. This is like one of those. There's no way they do not have an app. You, oh my gosh. There's not an option to download an app. There is something wrong with you and I don't understand it. I'm logging in.

Is the diabetes made its way to the brain? I don't know what is happening. I actually don't have diabetes. I'm in very good health for being fat. I just went to the doctor. I have, like, great blood sugar and blood pressure and all that shit. It's because I do work out even though I'm bad.

Because you're 24. I also work out, so. You will not want this at 30, let me tell you. No, I'm trying to lose weight. I'm actively losing weight. I've lost weight and I'm actively losing weight. In the post show, you guys will see me skinnier. So, not post show.

Sorry, the, what is it called when you come back? The follow up? The follow up. Yeah. I hope so. Obviously, I encourage it. Obviously, I'm joking with you, and I'm meming on you, and I got consistent.

sent before we filmed, then directly as. Downloading the statements. Well, I just want to see of... Okay. ...your first month of this using this card. So this is the first month. I don't think it was very long, so there's not, like, a lot of stuff.

Oh, my God. This is one, like, my first... Actually, I don't know what I bought in that smoke shop. I do have a vape addiction. My vape died yesterday. Okay, immediately put insurance on there for car. And the book, Capulet, San Diego, Yoger Land, Jack in the Box,

Red Eye Shop, Rose Donuts. It's all bullshit. It's all bullshit except for the car insurance. That was insane. That was insane. What is wrong with you? You are broken. You are broken.

You are broken. You are broken. Next statement. Next statement. Crap hut, PayPal, Earth's element, Mandarin House, Coco, Von San Diego. This is all for bullshit.

Yeah, and then you're like, well, I can't. I'm paying. I'm so poor. Look at me. Poor me. Shut off. Well, I maxed a while ago.

A while ago, it was in the springtime. A long time for me. Die. Die. Die. Die. Die. Die.

It is true. When you live a much, much shorter statistical life, each year counts for longer time. I know. Capital one. Credit one, sorry. I do have a capital one, though. It's probably next. Great. Oh, it's maxed out. Yeah. It's over maxed out. Over the limit, $449.20.

A limit is $300. Minimony monthly payment is normally 60. No, the minimum monthly payment is normally 30. I was just behind. But you go. I'm just behind. Yeah, $129. Fine.

What was wrong with you? Interest and fees. Late fee. Interest. Late fee every month this year. What's the point? When did you get this? What was this spent on?

I got this one a couple years ago, like when I first got a credit card. Has it been maxed out that long? No, no. I'll pay. It's just been maxed out for the past like six months. What has changed in six months? Well, I just wasn't making a lot of money and then my rent was really expensive. Work was really slow.

It's almost like, You are bad at this job. No, I'm actually really good at this job. Like, it's been, like, I've had, like, we had a really good profession. I'm sorry. I'm sorry. Sales, the only measure of you being good at a job is the number that comes in. You do not make great money for the area you live in.

You are not good at this job. Or the job sucks and you need a different job. It is one of those two things and is not anything else. Well, I've been told by a lot of my clients. Your clients are telling you you're good a job. That is not great. That's better than a commission check. A gold stand from a client.

No, but like, sometimes people aren't. buying like $30,000 closets, you know, so... Dude, new job. New job. Okay. I want to get a second job. We'll talk about that later. Also in San Diego?

Yeah, obviously. Because Mexico is not going to stretch far. I'm not going to work in Mexico. I'm working in San Diego. Yeah. So are you ever even going to be in Mexico? Yeah, if you're already up there six days a week sometimes. Well, I commute.

I know, and it's a long-ass commute, too. Well, I don't work for very many hours. I work for like two hours. Well, maybe you work a better job. I love my job. I don't care. I want a second job. I know, but I love my job.

And my insurance, I get free therapy, Caleb. What? You can get that with a lot of insurances. Not for free. I get to go so many times as I want. But even still, if you make substantially more and you have a copay for insurance, you still net make a lot more. I don't know.

I don't know. I like my one. Good one. I have really good health insurance. I have Kaiser. It's a good health insurance. It doesn't, it's not necessarily the company. It is the plan within the company that matters.

I only pay $100. It sounds like you have a good health insurance. But still, you can still net more. And I get mileage reimbursements. I have really good benefits on my job. I just need a second job. I need two of them. The people who think benefits that count for, honestly,

pennies on the dollar are more important than the actual money that is being made are why those companies are able to pay you less to stick there. You think it's valued more than it is. Good benefits are important. But still, if you make more money at the end of the day, after benefits and everything and co-pays and blah, blah, blah, blah, blah, gas, even. It is worth it. That's what I'm saying.

Oh, she's, oh, you are so. No, no, no. I lost track of what you're saying. No, you're actually, I think you might actually be stupid, and that is concerning. Sometimes. That is concerning. Because no one else would do what you're doing, so. Wait, why?

Because I'm commuting a lot. Just your entire life, what you're doing, the structure, just, you're, you're cope for the reason you're leaving. And like, if you're, if you're, you know, I've always wanted to live in Mexico, I can vibe with that. But your reasonings behind the Leave America were stupid. You are not a smart individual. Thank you.

Capital one. This one I got, when I got the Indigo MasterCard. So, recently. Early? Good. Bring up your first month. Believe it or not, she's over the limit. $281.92 with a $200 limit.

It's a secured card, too. She actually made a payment. surprisingly, $343 at the beginning. And then fees and interest because she was still late, past due, past due every month she's had the card, and interest accruing like shit. No one is surprised.

You just can't manage debt to save your life. I just, I don't know. Like, I, I feel like you're going to even have less incentive to pay your shit because you're already... You're... You're leaving, so it's just like... No, but I know you're not. I know, but I feel like you're going to feel less of a need to.

No, I feel more of a need to now that I've moved. Because now I actually have, like, more money and I want to get my shit paid off. Why do you want to pay your shit off? Because I want better credit. I want to buy a house. Where? Well, in Mexico, it doesn't matter what my credit is called because I'll get new credit, but I want to buy houses in America, too, and, like, Airbnb them and stuff.

Oh, my gosh. Oh, she's... Okay. What the fuck is my username? We're having technical difficulties. No, you're having brain difficulties. That's how this conversation has been defined. And if you don't change your behavior anyway,

the moment you start working on your credit in Mexico, you're going to immediately tank it without changing your behavior from where you want to do. I'm pretty sure they like, you really don't want to fuck up on your credit there because they'll handle you. So, like the bank will like, yeah. So you really got to pay them back. They'll kill you? Well, I mean, I guess it doesn't.

depends on who you borrow from. Yeah, if you borrow from a gang, do the cartels own the bank? Is that a thing? Like, I don't know. I'm not much into the lore. I don't know either, but they do. Like, if you own a business down there,

you have to pay the cartel. In every city? Mm-hmm. Yeah. Okay. I'm just having technical difficulties, so I have to do a whole thing to log in. So weird.

I can multitask, though. Drive just a few hours, and all of a sudden we're there. It's so crazy how different a society can be. just a few hours. Mm-hmm. What is this, a firm? Probably.

Probably. Yeah. Clarna. Oh, well, I do. I thought other ones on there. They should be. Pull up your clara. Hold on.

I'm still trying to get the capital. I've moved on. Okay, I'm sorry. I know it's all bullshit you spent on. I'm sorry. I'm not surprised at all. $152. $26.

Oh, non, Clarna. I did put the rental car on. One more. Amazon, Amazon, Amazon. Okay, pull up. Terro! You paid for fucking Turro? Well, it's because I got a rental car for this trip.

But I'm going to pay it with the reimbursement I'm getting. It's because Uber's would have been more expensive. Pull up your Amazon, you. What's wrong with you? Orders. Renable payments are like 50 bucks. Right here. Yeah, like $30, $30.

Okay. She has 19 things in her car right now. Oh, my God. Okay, resistance bans, yoga, Matt. That's good. as long as you're actually using them. I'm already going through here and I'm already seeing a lot of workout things.

I don't want you to do that pre-overinvestment before I actually doing things. Sponged Pack, Pilates Ring Set. And it was $200 a month. So I can't sell that. And now I'm going to do that home. Oh, you love to talk right when I talk about things that no one wants to hear.

It was an response to what you said. You're still going. Sponges. I needed those sponges. And then in the cart, we have a cutting board. Endless dye. More dye. It's for Christmas presents.

Fake cacti or real cacti. I don't even know. Molds. More molds. Lots of molds. Letter molds. Letters, numbers. Soil wax.

A protective case for a laptop. Plus-sized homecoming dresses, strapless, white statin. Okay. Zero sugar strawberry and cherry flavored snack pack. Zaffy Taffy. Zero sugar taffy. Sugar-free candy. Sugar-free.

Johnny ranchers. Those aren't half bad. Shameless snacks. And then you're getting a little, the strufulfuls. You're really trying to. I put stuff in my car like in case I want to buy it, but it's not like I'm going to go buy all this stuff. Fameless snacks and am I made beans. You know, I'm going to be honest. I know I haven't like lost like enough to be like this big.

How much weight have you lost? I'm weighing in Thursday. I'm probably, I think I'm close to about. I've lost 80 pounds. Yeah, but it depends on where we start, right? Yeah, but I'm saying like I have lost me. I bet you're a yo-yo-word. The thing is, I've been through that process,

and now I'm through a process. It's a bit more sustainable, but it's longer, and I'm losing weight. I've been through the, okay, I'm just going to replace the foods with healthier versions of the same food. That's not necessarily what's going to win, because you're still not working on the binge, the eat. It's a more sustainable life. It doesn't necessarily mean, like, the food you have can't be...

It's all about moderation. It's moderation. It's working and building those habits and actually living a healthy, sustainable life, not replacing the food with the same amount, but just as bad, but slightly healthier versions. I. Sugar-free versions. Yeah. Well, it depends. I try to balance with like some, like, low-fat, low-calorie versions with, like, the real stuff. Like, you know, like, I eat a lot of Greek yogurt instead of mayonnaise for tuna. And also 20 pounds starting at 230 versus 80 pounds starting at 600 is substantially. Definitely did not start a 600, but. What'd you start?

I'm not going to put that on camera. It's not 600, though. So it was not 600. It's a lot. It wasn't 500 or 400 either. 300? Yeah. Something?

Yeah. Yeah. That's crazy. I know. That's what I'm saying. How did you even achieve that? I smoked a lot of weed and just binge ate a lot during COVID. And cash up.

I know this is where you do a lot of your spending from. When I looked at the statement from when you took off that payday long, And a lot of your spending was through Cash App. It's because CashUp is on my Apple pay. So I would honestly rather use Chime anyway because when you set up direct deposit with Chime using our link, you get hundreds of dollars to sign on bonuses. So get those and then pay off your payday loan. You'll get the reward for signing up with direct deposit through Chime. I'll use Chime because it works just like Cash App.

Do that. And then use that and just pay off your payday loan with it. Okay. Love getting that rewards for signing up, ladies and gentlemen. Why not? Yep. Who's surprised? It's Jux, Netflix.

finance, I think that's making a payment. Apple Bill, Dutch Bros. Dutch Bros. Amazon, Dutch Bros. McDonald's, Dutch Brat Home! Make your energy drinks at home. I don't understand this. You don't have money. You don't make money. You have debt to pay off.

You owe your debty money. Starbucks, Dutch Bros. Cage 3. Going and getting some bullshit. Google 1. That's okay. Dutch Bros. Better buzz. This is...

Yeah. I don't understand why. You have to do this. Talk stores. Klein video. Wait. Dutch Bros. this month was only $140.

Die. And I thought it was like $600. I don't give a $600. I'm really proud of myself. Guys, if I thought I only murdered four people but I only murdered three, I guess that's okay. Shut the fuck up. I don't give a shit what you thought it was.

Any amount of money spent on Dutch Bros. And you can make your damn coffee at home and honestly takes better. I don't think so. Well, then you're bad. I am really bad. Watch YouTube videos. Also, before we get into the car loan, I really have to pee. I beaties, told you.

That's because I drink a lot of stuff. So can I... Pause. Sorry. Urination. Also, you only know the number because Lindsay told you. Yeah. I thought it was a lot higher.

My gosh. So, I'm proud of myself. All right. This is crazy, dude. Yeah. What is this? What is this that you have to? A car, you have a 20,000 hour car?

You can't even afford. It's not 20,000. It was... Wishing you could be there live for the big game. Soking up the atmosphere in a crowd. But too often, life gets busy or the price hold you back.

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limited time offer. Like 16,000. The outstanding balance is $20,281. Yeah, because I'm always late, and the interest is 29%. And they put it at the bottom. the back. Oh, you f- This is why I'm here, because I really want your advice on

this. Oh, my advice on all of this is change your behavior, get a better job at her character, and then she talks over. I'm sorry. Okay, great. I want your advice on this. I start to give two points and immediately interrupted. Fuck you. What do you doing? What is wrong with you? What is the car? It's a Nissan Rogue. Year?

2016. What do you think it's worth when you owe $20,281? I think it's worth $12,000. Okay, it's worth $6,710. Are you kidding me? According to Kelly Booblock. Damn. That's rough. Like under a lot. Shit. And we know it's under a lot of pressure.

What's your minimum? Yeah. Laefy, Laify, Laify, Laifie. No, no. 582 is my monthly minimum payment. What's the interest rate? 29%. To be fair, to be fair, I really needed a car.

And I feel like 29% is it because like credit. I thought that it was 29% over the whole thing. I didn't know it was per year because I'm stupid. Yeah. What? We live in the. information era. Google, Google, GP, Grock, fucking

everything. You can learn everything. Yeah. Yeah. I really needed a car, though. You didn't need a car that was twice as expensive as what you could have gone. I could have gone on a shitty car. But it is a really nice car and I'm really happy with it. So. I don't give up your late endlessly.

I know. It's only worth 25% of what you owe. That's crazy. I did not know that. That's crazy. So what is your advice? I don't know. I'm gathering the full picture. The advice is one, get a better job because you're... Two, no spend any money on anything ever.

No more dash bros. Except maybe like... No. Okay. Die, die, die, die, die, die, die, die, die, die, die, die. Die, die, die, die. No, how do you think you get to justify anything? You're behind on everything.

This makes no sense. Yeah. You're fucking broken. It's valid. Maybe you need the threat of death behind you for... From a bank for you to actually make your... Payments. Yeah, I would pay that.

Put 60,000 miles on them one year. Yeah, I mean, you're doing hyper commutes. I drive a lot. I drive a lot for work, too. It was aggressive. Chewing on pens is bad for your teeth, Caleb. Die. Idiot. McDonald's every five minutes of your life is bad for your health.

I'm actually not a huge fan of McDonald's. Mm-hmm. So. Oh, good. I believe I see, uh, not Klarna, the other one. Affirm or zip or something? Yeah. Affirm.

They don't let me use it any. Overdo, overdue, overdue. They kicked me off of using it because my credit score went down. Good. So I'm not paying them right now. You should never be having access to any debt ever again for the rest of your life. What if I make better decisions? Then can I?

If I change my behavior? Better positions for a long time. Yeah. Like a year. Okay, affirm. $129.884 cents. I don't know. I just don't want to pay them because they won't let me have more money.

So. What an entitled. I know. But to be fair. It's not like a lot of money. So, I feel like that's a later problem. Again, you literally get more than that, setting up direct deposit would chime with my link.

I mean, it's just like... Yeah. Well, I'll use that money that I got to... Exactly. That's what I'm fucking saying. Savings. $6.95. It's 27 now. Conquering the world. 287 in checking. That's wonderful.

Shocking. No overdraft fees this year. No. Clorna, cash have spending. Cash have spending. Clarenna, Aff spending. Klarna, Affirm, Amazon, ATM M-TRA, A-T-M-A-TRA, going in and get into bullshit. That's right right. You got an energy drink. There it is.

$4 energy drink. You went in your- Energy drink was from here. I did buy the Dutch goes up. Oh, I'm here. Are you stupid? Sorry. My goodness, I'm going through the statement.

Are you actually a moron? You left at this. I got, yeah, anyways. Gamer-subs, $25 a serving. What the fuck, dude? In-N-Out. What is also wrong with you? I know.

I don't really like getting it out either. Because it's not that good. It's not. It is not. Have you ever been to Washington? Go to Dick's Drive-in. Yeah. Dick's Drive-in is superior for like burgers places.

Superior. Oh. Incredible. ATM. A.T. I'm a draw. Oh, I like, sorry. I just, that was a really dramatic. Like, keeps going.

Sorry. Does your heart need that? Yeah. I like caffeine. Arco. Going into games of bullshit. Casino? Casino, you absolute.

Casino? It was only $20. Right? How dare you? I'm sorry. How dare you? Fuck you. No, how dare you?

That is not funny. Shut up! Clorna. Prime video. Dutch Bros. Cash up, cash up, cash up, cash up. Best buy. What is I buy?

Winning got some bullshit. Cash up, cash up, cash up. A team, withdraw. A team would draw. Ateam a draw. Winning got some bullshit. Cash up, cash up. Winning got some bullshit.

Pay later. Clarna. Fred. I don't even know. Taco Bell, Taco Bell. Dutch Bros. Go Brands. Dunk donuts or Dornash.

I don't know. but it's $120. $112. $112. $112. For what does it say? D-D's. Oh, D-D's discount.

It's like Ross in California. I'm highly recommended. Klorna, Amazon, cash app, bullshit, Spotify, told you you have it. Use your audiobooks there.

Affirm, golden steak. Jamba juice. Dachros. Going in and getting some bullshit. Die. Cash app. You got an energy drink.

Bullshit, Prime Video, Cash App, Amazon. Go puffing? You're go puffing? Yeah. You're go puffing again. How to deal. Die. ATM is raw, cash app, audible, red-eye shop, ketchup, ketchup, ketchup, ketchup.

Oh, that's another thing you really should do for your health. I only allow myself to have one vape a paycheck, though. I'm budgeting. You are a broken individual. You are a broken individual. You are a broken and you are going to die before 30. No, I'm not. I'm not going to die before 30.

Dude, you're vaping, your energy drinking and you are morbidly obese. You are going to die before 30. Well, I'm going to lose weight. And you've moved to smoking. I am quitting vaping when my mom quit smoking. I made a deal with her because I want her to quit smoking. Yeah, let's make you depend on some months. And I barely started making.

You are so broken. Your logic on everything is so broken. You are so done. You're never going to make progress. Wix, you pay for a website. You're stupid. I have a consulting business. Ha ha ha ha.

God die. Raising Cairna, Craigslist. Bullshit Craigslist. The Craigslist, I got reimbursed for that. You're so... You're so... Good luck. I'm going to make a budget of a... Good the fuck.

My confidence equals zero. Well, we'll see. Yeah. I have a lot of confidence in myself. We'll see if you live between now and the follow-up. How long does it usually take? Three, six months. Whenever you want. Yeah, I think I'll make it that long.

Maybe a year or not. Keep chugging that caffeine. $1,177 is your minimum fee payments, which is a third of your income, of which I'm making $3,500. Okay. Gas, room drive, drive, how much? Probably like $600 a month. Car insurance, how much? $289.

Rent. $500. And you do not pay utilities? No. How do groceries work in the house? I pay about $300 a month, and she pays about $200. $300. Do you find anything else you need?

$100. Okay. $150 for your extra things you need. What extra things do I need? Personal trainer, I don't know. Is this something? More things come with this. Jim, how much?

$29 a month. Do you have any pets? Yes, you do. You have two dogs. How old are they? What are their health? One is nine months, and the other one is two and a half years. And their health.

And their great health so I can get them pet insurance. $100 pet insurance for both combined. It'll be good in pet insurance, not the ship insurance. Do you have advice on what kind of pen insurance to get? Yeah, we'll send you some links. Thank you. Medical health care, not right now. Maybe if you're switching a better job.

What? The medical health care comes out of my paycheck already. No shit! I know that. That's what I'm talking. Sorry, what's your phone bell? My phone bill is $160. I just got an iPad on it for work.

Switch to helium if T-Mobile is good in your area. I don't know how that works with Mexico, so I don't know. But it's good for most people here. Subscriptions, I'll try to say $25. Let's see if this even works. If not, just like good luck. I need to get another job. I think that's very good end up.

No, you just need a better job. You need a real career. My job is a career job. Dude, shut up. I'm sorry. See, and this is why I'm borderline, like, giving up. You see how? You're just incapable of, I would rather get another job.

You technically have a room of like $100 if you bring in $3,500. You said you bring in three, so, like, I don't even know. You're either behind or you're not. Let's pretend you make $100. Very good. Very good. You make $100. That's wonderful.

Of your total deaths, $26,649,077 cents divided by $100. okay, the way to 12. Yeah, that takes you 200, what was that, 22 years to pay off? If I do minimum payments? Listen, here's the thing. Here's the thing. You can't even tell your fucking voluntary. Okay, yeah.

Okay, wait, really quick retirement. So at my, no, no, okay. And then. You can afford to pay bills. I don't like. And then I want to pay my car off ASAP. No. So, well, how do you suggest when I have extra money?

What do I put it towards? What is your recommendation? No. Now can I actually give my thoughts instead of, of you trying to lead the conversation. Thank you. This is 100% what I would do in your situation. You're completely, your credits are.

I don't see the point. Voluntary repo, you're going to owe money. Then you're going to get a horrible predatory loan on a not-so-great $10,000 car that you're going to drive for a couple years. That you get pre-approved by multiple mechanics that I will not fall apart for a couple of years. It is safety-driven. And you are going to, and this is post-your-voluntary repo. And then after you already have that, then you are going to,

after you change your behavior proven for three months, don't pay on your debt anymore. Just don't. Three months, then declare bankruptcy. You suggest I declare bankruptcy? I don't have that much debt, though. Dude, are you... With the money you have left over, it takes 22 years.

Your credit's already... Okay, but I can make more money. Okay, very good. Listen, Lindsay said there's something exciting in the post show. That's it. She's not going to listen to anything, so fuck her. So join Hammer Lee for that. Let's get her hammer financial score.

Okay, very good. Fuck off. And go to Mexico. Go back to Mexico, bitch. Join us in the post show. Join Hammer Elite. Click that Joy and Buyin. Three premium shows posted

every single day, Monday through Friday, including an extra 20 minutes of this show, this episode, where Lindsay said there's something absolutely juicy. And I don't know it yet. Let's find out. See you there. This other thing.

This other thing's crazy. That we could not discuss in the teaser or in the main show. Wait, what is it? We couldn't talk about this in the main show. This is insane. I can't believe this. Hammer Elite is the best YouTube membership

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