Financial Audit - Loser Freak Wants To Sleep With His Students | Financial Audit

Episode Date: October 29, 2025

Okay... this is post show messy af. A guy and his boyfriend moved in with this guy, but the boyfriend is trying to cheat on his bf with this guy??? All while using him for rent????? What a mess... Watch here: ➡️ https://bit.ly/chpostshow ⚡️ Download the DollarWise Budgeting App today:➡️ https://bit.ly/dollarwiseapp ⚡️ Get your FREE Hammer Financial Score:➡️ https://bit.ly/calebhammer 🔥 GamerSupps: tasty, cheap ($0.25/serving)! Save 10% with code CALEB: gamersupps.gg/caleb ============================= Our Sponsors for This Video ============================= Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Download Helium Mobile and sign up with code CALEB 👉https://app.heliummobile.com/o6WA/vdqufw1r Wayfair. Every Style. Every Home. https://Wayfair.com ============================= 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 ============================= 👉 I'VE MOVED MY INVESTMENTS TO 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://chime.com/calebhammer 👉 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 *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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and save up to 20% to get the stay you expected. When you want savings, not surprises. It matters where you stay. Hilton. For this day. To watch episodes of financial audit a week earlier, check us out on YouTube. I am here to get revenge on my ex. So we're here to fix your finances so that you can be like, look what you missed.

I've already got revenge in one way, so now I'm trying to get revenge in another. What the f*** does that even mean? It accrues 11% a month? Yeah, it's a statement. Not a year and then broken down month by month. No, it is 11% a month? What the fuck he did $1,000 of cash advances? You never even seen that on the show.

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Download the Dollar-Wise budgeting app today and take advantage of your free trial. I'm Zander. I'm from Houston, Texas, and this is Financial Audit. And how old are you, Zander? 26. Perfect. What do you do for a living in Houston, Texas? Currently, I'm a car salesperson. Okay. Yeah. Houston. Drivable city. It's the only way to get around. It's a horrible place to live. It's only a highway. I get it. You probably do well. Do you do well? I do okay. I wouldn't say that I'm doing well. I'm getting back adjusted to it, but I'm definitely doing okay. Okay.

Okay. And what's okay? What's hitting your account? What are we talking? What's the money? So I'm paid purely as commission. I don't make a salary. And it is essentially I get a prepayment every month of my commission check called a draw check, which is $3,000 a month before taxes, before insurance.

And I have not surpassed that since I've gotten back into the car business. Why? Well, how long have you been back in? I got fired from my last job in June and I came back in July. To the same job? No, different job, different field.

Why did you get fired? Oh, from a different job? Field. What was it? I was a, so I was in car sales in 21 until 2024 and then I went and worked for a school and admissions from December until June. How do you get fired from admissions where you're not admitting enough people? Did you fuck a student?

I wanted to, but I didn't. What? Sure. I was a good noodle, you know? Oh, I know you like a good noodle. That's for sure. So essentially, in May I had surgery.

And then they ripped me on that. They said that I did not perform that week well enough. And then I went back to work the week after. Okay, well, what was your surgery? So they... Minors and majors. So I had surgery at the base of my spine. There were cysts that were growing.

They were pylenital cysts. And they were worried that the multitude of them was something more serious. Okay, stop growing cis, dude. I'd love to. They're painful. Essentially, imagine that you're like, your butt crack just can't close. No, thank you. I would not like to imagine that.

Yep. Okay. They row me up for it so that I didn't perform well enough that week. And then... So you got fired for not being able to close your buckle? Essentially. And then the following...

I'd fire someone for that. That's nasty. I mean, essentially, if, you know, if I was in that line, the oldest line of work, maybe, but maybe not if I'm sitting at a desk all day. Okay, so you got fired and went right back into car sales. Were you doing well in car sales before? I was doing okay in car sales.

I was beating my draw. Like I was making a decent living, but I was also over. In Houston, we're talking ranging from 55 to 60 a year. Yeah. It's what people are making in car sales. It's about what I was making. Average. About $5,000 a month.

You're not meaning your draw. What are you having to... Are you accumulating a debt, or is this a draw that cuts even? It cuts even. So if I don't break the draw, then I just get paid. It essentially meets minimum wage. Okay, so you're hitting three. Well, what hits your account?

Because you said that's before all the goodies. Yeah, so I make about $1,100 every time. two weeks. So it's about 22. How are you doing on 22, big guy? That's kind of not wonderful. No, it's not great. Essentially, I didn't really want to go back into car sales when I went back into it.

I'm sure not. Remind me, how many months has it been? Three. Okay, yeah, you're literally making less than $30,000 a year net in the fourth largest city in the United States. That's not great. No, it's not. Essentially, beforehand at the old job, I was making anywhere.

from, you know, four to $6,000 a month. Oh, that's much better. But that was consistent. I was an hourly and a bonus employee. So, like, it was better than what I was making before. Okay. What are you trying to do now? Is this has the feeling of temporary just to try to survive?

Like, what are we doing? So I'm in school. I'm getting my accounting degree. You're in school? Yes. I'm in school full time as well. Accounting degree. I'll get you accounting certification course careers as well.

Okay. A lot of people out there have used it. and that has got them good jobs. Yep, I'll have my associates in the end of this semester. I'll have my first part, and then I want to go back for my bachelor's and get it in business administration. I mean, that's pretty good. But that means you must not be working a ton.

I'm working full-time doing both. I got fully online for school. Okay, so what are we talking about today? What's going on? I am here to get revenge on my ex. Get revenge on your ex. Absolutely. Are you about to call him names?

I want to put myself in this really good situation so that he can see that he's missing out on everything. Oh, so we're here to fix your finances so that you can be like, look what you missed. Absolutely. Oh, well, if you're on this show, he should be glad that he's missing. No offense.

Well, his finances are definitely worse than mine, so... No way. Why is he not on the show? Because, listen, you have to honestly be a part of the worst of the worst finances in the United States of America to get approved to be on the show. Just going to let you know. Yeah, no. My finances are not great by any means when it comes to the decisions I've made. However...

Why are you trying to get revenge? Because the entire time that we were seeing each other, then was told that we weren't dating. I was just a friend. He was cheating on his boyfriend with me. The gays. We love them. Big fan of the gays. That makes one of us. Yeah, well... You're a gay. I'm a fat. You're a fat. I'm a... Cub?

Cub, yes, as we established. That is true. We make fun of everyone here. I don't give a fuck. But yeah, okay, so well, that's weird. Usually gays are able to, and I say that in the most loving way possible,

fuck each other constantly, and they usually stay together. Yes, so the whole situation kind of, they were open when we originally started messing around and started like talking, and then whenever everything kind of shifted, they closed a relationship after pride, and he lied to me

the entire time saying they were still open until August. Oh, maybe he liked the degeneracy of it. So they were monogamous from... Wait until this August. So this just happened. This just happened. This just happened. Yep. So that's why you're here. Okay. I've already got revenge in one way, so now I'm trying to get revenge in another

way. What's the first way? I have to know. Me and his ex are now sleeping together. Does he know? He does now. Now with this? With this, yeah. Someone may or not have said that they would send him the link to it. This is crazy. No.

Yes. You offered to text the X with a link to the episode. Yes, she did. Oh, Lindsay did. This is messy and I love it. I love it. I love it. This is crazy.

You know what you should do? Can I give you the ultimate revenge strategy? Absolutely. Asleep with Brandon right now, he has gonorrhea, chlamydia, all the good stuff. So, and then you pass it to the X. Then the, no, no, no, you pass it to the ex's boyfriend. And then the boyfriend passes it to the ex. And then all of a sudden, the ex has gonorrhea.

It's incredible. What a prank. Yeah, no, no, thank you. Okay. As much fun as that would be. We both just recently got tested and we're both clean. And I mess around with that again. Because it also turns out that we were not the only ones that he was sleeping with.

It turns out he was sleeping with other people, too. But they're still together? No, they're not. They broke up in August. And that's, so the whole tea on that is that. they broke up. We went to his birthday party, the main guy's birthday party

for all intentsive purposes. He took us all out for his birthday. We went to like a Korean barbecue place. He brought his ex with him that they had recently already broken up. Like, it might be easier if I like, write this down. Can I see? Oh, he wants to draw.

Yeah. The gays are artists. Oh, not that kind. So we all went to. to dinner. And then his, they broke up in August, right? So in August, they were done. Does anyone eating ice cubes at dinner? No, because I am on fiber pills, so I don't have to do that. I actually eat food before and after. Well done. Yep. So they broke up in August. And let's say, this is my friend over here.

Sure, that works. This is my friend. Looks like me. If you think you see the man in this sketch, they want you to call the police tips hotline that number sure for all intents purposes this is Caleb um and Caleb knew the whole situation between me and um Marcus so um we'll make him look like a dead person um so then he knew everything about this and then the whole time that I was with Marcus he was with Steve from Minecraft no you I'm not an end up like a sassy bottom oh no i am a bottom so i'd rather not be with the bottom i'm we can touch them they make those you know double-sided ones but i'm good i'd rather have the real thing um so then this is steve

um he was with steve and then there's me down here um we'll put me a smile because i'm happy running a train on you i mean wouldn't be the first one um so this whole time marcus was with me but he was also with Steve. Whoops. Caleb knew that we were a thing. When they broke up, Caleb and Steve became friends.

And Caleb realized none of the timelines matched up. Uh-uh. So then Caleb got me involved. And then we became friends. And once we became friends, I kind of invited him out to go get boba. And then I was like, hey, by the way, I have something really terrible

to tell you. And then told him everything the fact that Marcus when we're having Boba yeah yeah so and then ever since we became friends

and then in a more recent development over the last like three weeks we've been fucking Can I see a picture? Yes you absolutely can see a picture

Lindsay requested for me to see the picture by the way I just want to throw that out here and the Marcus the one we're trying to get revenge on by fixing our finances absolutely out of all the motivations

for someone to fix their finances on this show this one might be what gets someone to the finish line I'm a petty If if gay couples Are the ones that break up the least Why are we never getting gay male

Cup Okay Yeah All right So Latina Buff Latina shirt Latino

So Latino Latino baddie Latino baddie Okay We always We never get the gay guy couples We get the gay women couples Which is just

Gay Like where's the dudes Probably. Probably. Okay. So what are, what, what is wrong with your finances right now? Like, why are we in the situation where he'd be ashamed? Who'd be ashamed?

Like, happy to not be with you, essentially. So, and also I do want to point out, his finances are much worse than mine because he, instead of taking his mom, pulled out a whole bunch of, like, credit cards and dead in his name when he was, like, younger. And instead of actually, like, fighting any of it, he's just like, oh, I'll just pay it then. And so he's probably, like, 300,000. dollars in debt just from his mom. She just kept pulling out credit cards and loans and vehicles and stuff in his name and just stop paying them.

This is a finance show. But do you want to be messy real quick? I always want to be messy. You want to call Marcus. I would if I had to have his number. Oh, how do you not have it? After everything kind of hit the fan, he was repairing relationships with everybody else and kind of left me off as the mistress on the side.

So I went through and I deleted all of our text messages, all of our pictures, all of our pictures, everything. How can we get it? Someone probably has it. How can we get it? You want to get it? I could. And then I think we call them on the show and you tell them how you're actually getting your

shit together. And then at the end, drop A, oh, by the way, I'm... Yeah. You want to? Yeah. That could be fun. You want to text and get that number? Yeah.

We'll get into the finances and wait for the response. We're going to get, we're going to get, whoa, we're going to get messy. We're going to get messy. Oh. I just ask. Wait. I just asked for it. Oh, so you also do do do d'or-dash on the side right now?

Yes, I do. Okay. Well, how many are... So if we're doing school, what, 40 hours a week, and we're doing cardio ship 40 hours a week, is that correct? Cardioloship's more than 40 hours a week, but yeah. How many hours are we doing into DoorDash? So I would...

So the way that I do that is I focus on my homework on Sundays and on Wednesdays, which are my day is off. And then I work Monday, Tuesday, Thursday, Friday, Saturday. And then after work every day, I would dash. So if I work nine to... six, I would dash from 630 to 11. So how many hours are we getting to dashing? So when I'm dashing, I normally will do

two hours, three days a week, so six hours plus another like eight. So anywhere of like 14 to 20 hours a week. Okay. And what's coming in with that? Now, obviously, gas, mayonnaise, all that shit is higher. Are you taking that in account when you calculate how much you're bringing home? Yes. So... Okay, then what would you say you bring home after all that?

After gas and everything, I'm probably... And I've not put aside much when it comes to taxes because I just started doing this. I would say probably somewhere like $3 to $400 a month, which is just a little bit. Essentially, I do it. Call it three to be conservative, especially after taxes. So that still only brings us to $2,500 a month. While I'm in school. Is that what?

Zander's going to be all? Not Zander, Zach. What was it? No, you're Zander. But what the fuck was his name? Marcus, Marcus. Is that what's going to be all jealous about? $2,500 a month?

So, no. Are you paying for school? So my dad was a veteran. So my school is paid for by the... Well, that's nice. Thanks good. That's still taking, obviously, time away. But you're going into a good career field.

I am happy to hear that. You're going to have a lot of flexibility there into the different jobs you're doing. You're starting that kind of late. What were we trying to do this whole time? So, and there's also more income, too, because I get paid via GI Bill Chapter 35 every month that I'm in school.

What are you bringing in with that? $1,500 a month while I'm in school. Okay. So total then we're at least up to four. Yeah. Okay, 4,000 is much more survivable. That makes sense. So why are you f***ed that?

Honestly. Months I'm not in school. It hurts because I don't do summer courses. Why not then? Because my classes aren't available over the summer at the school that I'm at. How many credit hours do you have to be in school in order to do that? Can you take Gen eds that you must complete? My gen eds I completed back in 2016, so I don't have gen eds left to complete.

I went to school for music performance when I first left high school. asshole. I know. So dumb. I did composition. What did you play? I sang. I was a vocal music performance major.

Oh, yeah. Real gay. Barry. Musical theater, too. Oh, yeah. Rap in Hamilton. Oh, no. I actually haven't seen Hamilton yet.

The months, are you saying all the stems from literally the months are not in school? So that job transitions were hurting me to moves. I moved across Texas three times in the last four years. It's across Texas. You put it in El Paso? Oh, actually across Texas. I did. Why?

So I was a content creator during COVID. I turned my stimulus check into like playing video games for a living and I did that for a year and a half. Did you actually make a living? How much? It would depend on the month, but I was making like about the same as what I made from the school. About $4 to $5,000 a month. Why did you stop? What happened?

It dried up pretty heavy after COVID. I didn't have the huge following. Yeah, those who couldn't make the transition between COVID. content creation, post-COVID content creation, got... Luckily, I started afterwards, so I got lucky. I didn't have to try to do that transition. What was the game? I was playing Apex

Legends. Yeah, and I'm sure people also moved on it from that as well, and you kind of have to keep moving on to whatever the big game is, right? Absolutely. So I was, I didn't switch at all. I played Apex. I was actually nationally ranked at one point for Apex Legends, which helped boost my content, but then after

COVID ended, I couldn't do it anymore. And my best friend was pregnant in El Paso, and She wanted to, me to move out there and sell cars for her husband. So that's what I did. Okay, how long were you there? Was it the cost to move? Because, again, you could just sell everything and move your car.

Dude, when it cost me to move down to Austin from Michigan, much bigger move, I just sold everything packed up my sedan. It probably cost me like a few hundred bucks. Yeah, that's what I did did when I left South Dakota when I was living there. I moved back to Texas in 2016, or 20, excuse me, 2018. And when I did that, I sold everything packed up my little Chevy Impala, 2007 and drove all the way back to Texas.

But when I moved to El Paso, I was living at home at the time during COVID, and then moved out on my own again. So deposit, rent, all that kind of stuff was more than I expected. And then so that's kind of where it started. And then getting adjusted to sales life was not easy. And that became like the hardest part because I wasn't beating draw when I first got in the business either. So it was like trying to survive.

No, that you don't have to pay back. because there are sales positions where you have to pay back. Yeah, I'm very lucky that I haven't had one. If you don't need it. I forgot what that's called. It's the other kind of draw. There's two different kinds. But either way, okay, so we're going to jump into these numbers,

but is there anything else weird going on? So when it comes to that, yeah, I've got a situation going on at home. That's not great. I let my friend move in. It was supposed to only be him. And his boyfriend to sometimes stay. Like, if he wanted to stay with him one night, that's fine.

How many bedrooms? I have a one-bedroom. 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. They're sleeping on a couch. Two people moved into a one bedroom with you? Yeah.

So there's three of us in that apartment. What the, why do they move in? Is that not a temporary move? You'd think it is with the one bedroom. It was supposed to be temporary. They were supposed to be out beginning of August. I'm sorry, beginning September. Okay.

Well, we're at the end. Yes. So... What are they contributing to rent? $300 a month since they've been there. $1,450. Yep. Why are they still there?

How long have they been there? August 1st is when one of them moved in. So one month, it was supposed to be the one month. Why have they extended? Why did they move in in the first place? They moved in because their apartment had a leak. So they were moving from one lease to the next lease, and there wasn't another apartment ready for them at that place.

So they was like, hey, I just need a place to stay for a month. while they're getting my next place ready. Hopefully it won't be that long. Turned out, no. It's been almost two months now. Now what? Well, he got fired from his job that he was at. So you want him gone?

Yes. But he got fired. Why did he get fired? Automotive industry. He was a manager. So management in automotive comes and goes very quickly. So they let him go from that one. He's found another job, but now it's just getting everything in line for him

to leave. Will he even be able to? Here's hoping, because I'm kidding tired of it. Oh, they moved in with a cat and you're worried about getting evicted if they find out? Yes. Oh, that's a possibility? Yes. You can't just pay like a cat fee.

I could pay a cat fee if they find the cat, but I'm also worried about the fact that I have two people living in an apartment they're not on the lease on. And for them to find out that and then also the fact that I have a cat that I'm not supposed to have, that it could end up getting me evicted from my place. And with my finances the way that they are, I'm scared of finding another place because I live in a pretty nice apartment right now. That's hard, man. Why can't the other one contribute to rent a bit more than...

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You're surrounded by weirdos, dude. Yeah. And getting fired or laid off. Again, that's fair. But the fact that they're not moving out, even though they found another job. And then the other person who's just not working? These sound like leech. Are they leaching?

A little bit, yeah. I would say so. Like, and one of them is my friend. I've known them since I was in the car business in 21. Well, friends are good, but you don't want to enable friends or let them leash because that's not a good friend. Yeah, they've depleted. So I had, I worked really hard at building up a stockpile of, like, stuff. So, like, I had laundry detergents and stuff like that and food.

Like, I had a full pantry and a full freezer of, like, meat. That's all gone. That's something people work to build up? I've never heard of that. I, like, was working to, like, kind of save up and not have to buy it all the time. Okay, sure. And it's gone. And it's God.

But it's, okay. So, like... You should be able to budget that on a monthly basis. That doesn't need to be all bought. But I had like three or four months of like, in case it's a bad month, not having to be able to go get groceries. But you know you're hitting your draw every time. Yeah, but we'll see. How much debt do you have?

I want to say that I'm somewhere around like $168,000. $160. Yeah. That's fucking insane. None of which is a house, I'll say. Not of which is a house. That was the goal. and then...

Two car loans? Why do you have two car? Why do you have two car loans? I have two vehicles. Why? So my... Why possibly? So the first car

is my truck. Well, one of them is the first statements. Oh, why do you have two cars? Why possibly? So I worked an hour from where I live, an hour and a half some days, depending on traffic. Why, dude?

Because it was what was available for me to find a job right away. I had problems finding jobs before. Are you looking for jobs closer? You better be. What the fuck? I don't know why that means we need two cars. Two car payments. Two car loans.

So it's 58 miles for me to drive to work every day. And the truck is an eight cylinder silver auto. Get rid of it. I can't. I am $21,000 in the hole in that truck. When it comes into the truck, I had two vehicles before. A friend.

I don't learn from. stakes, I guess, because I had a friend live with me. Dude, you're a bottom. Why do you have a truck? Well, my truck has blue seats on the inside. That way, it didn't look like I was going to hate crumb myself when I drove down the street. So the story behind the truck is that I had two cars. I had a Kia Sportage and then that was a lease. And then I had a Nissan Bursa that was a purchase.

And I drove the Nissan Bursa when I would come home. That way, I didn't put mileage on the lease. Well, my friend moved in with me and stayed there. and then he took the Nissan Versa because I was going to move home back to Houston. And whenever he took that car, he was making the payments on it,

I traded my Kia in for a Cadillac leased that I was working at the dealership at the time. Oh, fuck. You guys sold his job. And then, so I was leasing that because I was only driving five miles to work. So it made sense at the time. Well, they...

Boring! Okay. I want to hear more about this. I want to get into the state, and then hear the rest of this. But first, please give me where you think your financial score is zero to 10, zero being the worst, 10 being the best. Zero.

Good. If you want your hammer financial score, take the assessment at Calebhammer.com. See where you're staying in the world of finances. It is free. You can see where you're doing well, where you need to improve. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar-wise budgeting app. My preferred budgeting app.

It's what I actually use in my daily life. Take the free trial, sign up for an annual version if you want to say, if a lot of money and when you do, I will sign and mail my budget-friendly cookbook right to your door. Learn more at dollarwise.com or click those links in the description below. Okay, yeah, keep going. So when that car had so much damage on it and it was a lease, I felt unsafe driving it every day, so I traded it in for that truck. But a truck, you could have got an SUV or something.

Trucks are insane. I needed the, so that was a service loaner truck, so it had mileage on it when I bought it. So it made it, I ended up getting like a really great deal on that truck. Yeah, really great deal. You owe $60,724.55 cents making 22. You make 24,000 hours a year. Outside of what you get with the VA, because of your dad, which is only when you're in school, and that's not going to last forever, 22, 24,000 hours a year and you owe 60,700, 24, and 55 cents.

That's a good deal. What are we talking? Good deal. Yeah, you're selling yourself, car salesman. So I originally financed on that truck, $75,000. Why? What were you making? So that was when it was pretty...

72-month term. Pretty good. Well, it was incentivized rate, though. Dude, dude, dude, the minimum monthly payment is $1,115. Which is less than it was on my catalog. What? It could be because the lease was going to get rid of all the negative equity. Dude, this is worth less than $30,000.

Yeah. You're underwater by half. More than half. Oh. Yep. That truck sits at home outside of the gate. Dude. Did you rule negative equity over?

Yeah. How much? $24,000. Even that hasn't even. Yep. It is going to count for the whole loss you have on it. With the deal I got on the truck, though. Deal.

You keep saying deal. The mileage and rebates on the truck. And my employee discount on the truck when I bought it, it did negate about like $10,000 of that negative equity. But you still got about $7,000 other than what you rolled over. Yeah. And that was only because it was the only truck expensive enough that I could roll the negative equity with what we had on the lot.

It was the only enough discount to cover it to keep the LTV. There is nothing good here. No matter the cope, there is nothing good. You got the negative equity rolled over $25,000. Great. Plus an additional about $6,000, $7,000 of depreciating equity. Yeah. This is, what's the interest rate?

1.9%. Well, al least you got that. But this is still absolutely destroyed. And plus, $2,200 a month, half of your income goes to this car. Yes. A car, you couldn't save to sell to save your life. It's impossible. No, I can't.

You can't, you wouldn't, no, this is insane. Yep. Honestly, if it is still sitting there, it might be worth selling for hopefully 30. And then beating down the other 30 as quick as you can, but not a jury income. I wouldn't know how. So the best way that I'm thinking about doing with that is just making the monthly payment that I have been until it gets to that point because a lot of it's going towards the principal,

not the interest, since it doesn't have high interest. And then once it gets to that, like, range, I'm not sure what you're seeing value-wise on it. It's Kelly Blue Book, private party. So that's not even trade-in. Because when I looked at it... It's based on your VIN. Yeah.

When I looked at it at the lot, when I was looking at trading it in for the car that I did buy, but I couldn't roll that much negative over. I was getting about, like... When did you look? Three months ago, maybe. Okay. Well, I mean, the car market hasn't been going great.

It does drastically change every month. It does. Yeah. I was thinking it was only like $21,000 in the hole in the truck. Dude. But I was just going to keep paying it down until I got it to the point where I could just sell it to the lot. And it's not driving. It's not gaining any mileage.

I was debating putting it on Toro, but I figured with the cost of everything, putting it on Toro wouldn't be worth it because it's going to depreciate even faster then. Plus the insurance I'd have to hold on it would be too expensive. Dude, this is f***ed it every way possible. This is f***ing. And that truck is co-signed. By who? My dad.

Why would he accept this? My dad co-signed on it because he didn't want me driving the XT-5 either. When the airbags in deploy, it kind of was really scary. It messed up my back really bad. I agree, but this. So he co-signed. He was co-signed on the X-T-5 as well. Because when I rolled the negative, I was, my credit wasn't strong enough by myself to Lisa.

What does he think of his dad? We don't talk all that much anymore, so. Why? We kind of had a huge falling out. What, the gay? No, my haven't out since I was 14. I was gonna say you're gay as f***. Yeah, I mean.

Why'd you fight? They didn't come to meet my boyfriend that flew out at the time. Okay. The whole point of him coming out. Because it was gay? Because they just were busy or something. They went. So they were gambling out in Lake Charles.

And then when they came back, they were like, oh, we're going to go dinner now. We had just eaten. They're like, but they kept pressuring me that if we're going to go out to eat, like, you're going to pay for it because we're not going to pay for this meal to meet him. So they were like, oh, we're going to go now. And they were like, I wasn't going to pay for a meal that I wasn't going to eat at. It didn't make any sense. So we didn't meet.

And then after that, they kind of went radio styling for the rest of the weekend. He was there. And then when I dropped him off at the airport, I toured the apartment I'm in now, went home, packed all of my shit and I used my tax return to move out. The fuck, I think someone just needs to make contact. How long has it been? We don't need to end an entire relationship because of a bad weekend. It was, they weren't very nice.

I get it. But we can rebuild. Yeah. And we could. There's a lot of other stuff between me and my mom. That's just we're too much alike. So we... She's gay?

No. Well, I don't think so. Okay. Um, I don't like seeing people have damaged relationship with their parents when it doesn't need to be something longchivity if there wasn't like abuse or anything. It's kind of where we're both petty and neither one of us wants to admit they were wrong. But you've got to sit and reflect sometimes and be willing to... How long has it been?

Want to know a dirty little secret? And now I'm not starting an only... You're not broke because you suck with money. You just 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 DollarWise. It shows you exactly where your money's going every single month,

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Let's sort of make a... You haven't had a point of contact? Mm-mm. Big guy. Yamava Resort and Casino at San Manuel is California's number one entertainment destination for today's superstars. Catch the Jonas Brothers return to the Yamava theater stage on April 30th. The powerful vocals of Demi Lovato on May 17th.

And the signature Southern Country Rock of Eric Church on July 19th. Tickets on sale now at Yamava Theater.com, only at Yamava Resort and Casino, celebrating its 40th anniversary. You in? Must be 21 to enter. Come on. I think it's time. Let's just try to be the bigger person, and you probably are. Actually, for my mom's weight, she's probably more obese than I am. Well, you said you're similar. Because her height, she's like 5'4, and she's like 180 pounds. I don't know. I don't know. I wouldn't have a forever relationship destroyed. That's very like,

Gen Z TikToker, where it's like someone disagrees with 1% about them and then they will never talk to them again and think they're evil. It's like, it's kind of very healthy mentality. It was a f***ing. You were not in the wrong. I'm going to be very clear. They were, and they might not apologize, but...

Yeah. I've honestly come to terms of the fact of being on my own. Sure, but... So it's like, I don't know if I want that because... Well, it's up to you in the end. Yeah. I just... I like to...

I'd rather see people try to heal relationships than go nuclear. Yeah. In the end. Maybe once I get my own life in check, then maybe there's going to be room to let other people back in. But everything else going on, especially with the, with the of it all, it's like, I've been kind of like not emotionally available for anybody. I just don't want to be around anyone. Yeah, but fuck it. Besides Steve.

Are you Steve? Oh, yeah. Really? Yeah. But he's kind of hot. He's very hot. hot. Are you saying I'm not hot?

Have you seen Charles? You saw him. Have you seen Charles? Absolutely. That was one of the first things I showed her when I got here. Yeah. It's like, give me, show me. Yeah.

Because he told me on the phone how hot this guy was. And I was like, okay. And usually, you know, people are saying like, oh, the person's really hot. He undersolded. Yeah. I'm not saying you're not. We're just in very different leagues. Like, I'm in very different leagues.

He's like, like, that's the guy. You have to be afraid of. So I'm all for it. Take it while you get it. Houston's a bear friendly city, I would say. Okay. Well, if I ever go gay, I'm moving to Houston. You would do well.

Thank you. Thank you. We'll see you at Ripcord one night. Huh? We'll see you at Ripcord one night. It's the gay bar. One of them. I don't even go to normal bars, so.

Yeah. It's okay. If you ever come out, I'll invite you. Dude, I've seen this. Can I tell you a little offshoot? I've, some people have sent me a post that someone, I don't know if it's on Reddit or Twitter. This one guy has posted a few times that he's seen me at gay bars in Austin or gay clubs.

I don't even go to normal clubs. Like it's just that's the last place I would be found. Sure, Dan. Not even because it's gay. It's just like, I don't do that. Stop the cap. It's just so fun. People say the most interesting things about me.

You are gay. So that's curious. Maybe it's you. Maybe they saw you. Today, we're zeroing in on projection. Yeah, maybe. And they're like, oh, it's Caleb. Folks don't choose to be gay any more than I choose to be straight.

Yeah, he put on a lot of weight since the last episode. Who? If I was you. Huh? Oh, yeah. So that truck's almost paid off. Well, let me free phrase. That's almost paid off.

It's a year and a half into it, and by end of year three, I should be able to sell it as long as it doesn't deval you a whole lot. You're talking if you make you minimums, but you can't be your minimums or half your income is the issue. Yeah. That's the scary thing. What do you? Okay, we know your inflow on a monthly basis won't win out last month. What was your outflow? I'm really bad about tracking how much money I spend on myself.

Yeah. I'm just, I'm very good at tracking like my bills and making sure I know that those are paid. We have lots of credit the, the disbursements. And we had your final payroll, it looks like. Yeah. So it's difficult. And a new up loan loan disbursement, but that doesn't count in terms of income for me. I, probably.

spend, I know my bills are like 44,000, so I probably spend like five. Okay, yeah, it was $12,38,000. 25 cents. Some of it may have been having to pay for school from disbursements or something, but even still. One of those was a consolidation,

which did not work for me at all. No shit. You consolidated and then you built up your debt again, huh? Yeah. So what always happens? You cannot consolidate unless you change your behavior. You're not a credit card person. I'll get you on the FIS card, especially since your student, because a lot the perks are student related.

Debracard that builds credit, you can't spend with some in your checking account. So it actually works for people like you. But like, why the fuck could we consolidate, dude? So I was really worried about when I lost my job, because I just did that in June. When I lost my job, I was like, well, I need something in order to like, it pushed the payment out a month. Let me try and find a job. Consolidate it. It lowered the payment of what the total amount was.

It just increased the total amount of debt. So I was like, this makes sense. I rationalize it to myself that this was going to make sense. And it was going to help me and then proceeded to not change anything. It just never works. It's never worked in the history of this show. It doesn't make sense. It doesn't make sense.

Okay, so this must be the second car loan. Yes. What is this car? It's a Kia Nero. I've never heard of this in my life. It's a hybrid. Sure. It gets 54 miles a gallon.

Uh-huh. And so for my drive, for example, driving here from Houston, I don't have to fill up. I'll drive all the way here and all the way home and I won't need to get. What's the interest rate on this? 10.99%. Oh, for sake. You got a second car and then an 11% interest rate loan on it?

Why'd you get a car that was 23,3,34,0.338 cents is what you owe on it. What the fuck? Why did we get a balance like that? You can't even come close to affording a balance like that. So with that car, I wanted to trade my truck in, but I was too upside out in it and I didn't have a down payment saved. But I was spending.

This amount is way too much for you. The payment is less on the car than what I was spending in fuel on the truck to get to and from work every week. That is not the justification, though. You can still get a cheaper car. Yeah. Because your minimum fee payment is $555.97. Now we are talking. Now we are talking.

Put the 1115.07 plus 555.97. That is $1,671.4. Divide that by the 22 you make. 76% of your income goes to your minimum monthly payments in your car. And now you have a balance that you definitely also cannot afford for a new car. Not even close, but you're at 11% interest rate on it. That is so beyond, that is so beyond. Oh, great.

Oh, but winner, he met quota because he purchased this car. He met his monthly quota because he purchased this car. Now that's a salesman. I also bought it to DoorDash with because I can't DoorDash in the truck. But when I financed the car, the maintenance is included in the financing. So I don't have to worry about maintenance. And all that's covered. I haven't even spent $1,000 in fuel since I bought that car.

Sure. But how many miles if you put on it since you got it? When did you get it? I got it in August. A month ago. Uh-huh. No, July. Sorry, July.

Just over a month ago. Yes. It has 7,000 miles on it. Oh, dude. two car loans, one at 11% interest rate, taking 76% of your income all so you can

dooredash. Oh, f***. If you sold it in today, traded it in, or whatever the fuck, what would you get? Nowhere near what I owe on it. What would you get?

It's too new for a KBB. Yeah, I've... Come on, what would you get sales guy? See, I don't do the appraisal part. Dude, come on. What do you think you would get then? Probably like 22. Oh, we're too.

You're 40,000. $40,000 under cars. $40,000 is what people owe on an expensive car and that's what you're under on your cars, guy. That's insane. That's insane. I haven't had a car situation like this in long, long days. It's been a long time. Long time.

I felt like it was a good decision to buy the car. Do you still feel like it was a good decision to buy the car? I mean, DoorDash is the only way that I was making my bills. Buddy, this balance doesn't make sense. This is the balance. You can't afford a $32,000 car in any way whatsoever. You went under $10,000 immediately. Great.

You got hybrid. That's it. That's it. Buddy, this is 76% of your income and you say it's good. You're at 11% interest rate and you say it's good? Well, the interest rate could be better by my credit. Could be. No, your credits.

Who would have thought? I feel like the rate for a second auto that wasn't that bad. But that rate is a bad rate. That is a bad rate. Yeah. I'd rather you get that on a 15,000. our car. Yeah, we didn't have anything low enough mileage for that.

You. There's other dealerships in Houston, Texas. But then I have to deal with all their shit, whereas I can just do it on the own. That would be better than save $15,000 to $20,000. Yeah. Dealing with someone else's shit in paper? I would rather do that and save $20,000. Well, at least I don't have to worry about maintenance on it.

Like the maintenance is all included. There's going to be 20,000 hours of maintenance? Well, I mean, I'm already due for my first oil change on it. and that's covered in the tire rotations and tires and stuff. No. Uh-huh. But at least I don't have to pay for it. Like, at least it's covered and included in the car.

Yeah, thank goodness. We're doing really well. This is fucking insane. This is insane. You're doing that while also going out to eat and that immediately pushed you over your budget. Just that alone, your two car payments and then going out to eat. You're over budget.

Over budget. And he told me while we were in break, we had to pause because it started like thunderstorming, that he has lost, though, like 120 pounds in a year. You know what drives me insane? Cell phone bills. A hundred bucks a month so I get dropped calls in the middle of a grocery store parking lot. No thank you. And that is why I'm excited about today's sponsor, Helium Mobile.

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Best Network based on Route Metrics, Best Overall Mobile Network, performance U.S. second half 2025. All rights reserved. It must provide a recent consumer mobile bill in the name of the person reviewing the day. additional terms conditions and restrictions apply. Well, that made me feel like a backyard chef instead of a guy overcooking burgers and flip-flops.

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Crazy. How possibly with the amount of going out to eat do you do? What did you spend going out to eat last month? I have... Come on, what do you think, big guy? Accounting. Come on. Account this. $3.50. It was $1,000.

It was over. a thousand hours, almost $1,100 going out to eat. You take that, you take your two car payments, and you're well over your budget, well over your budget, well over your income plus DoorDash budget. Completely. It's the disbursement that keeps you there. But even that, you barely break it even at that point.

Yeah. It's, uh, I, I'm always exhausted. Just the amount of work that I'm putting in. Twice a week and warm it up at home. So that's great when you're exhausted. That was great when I had, surplus of food to do that, but now I don't have that anymore. Tell them to go buy groceries.

They, every now and then we'll go grab like stuff, but like at this point, it's all gone. So anytime I do, he's your friend, right? Yeah. Call him right now and tell him you need him to contribute to the grocery budget. He's working right now. He's working right now. Sometimes people answer during work. Okay.

Leave a voicemail if he doesn't. Also, did you get the number? Oh. Do you know? I know you're on silent mode. Yeah, I listen. I put it in your not-disturb mode. Yeah.

Many, many tones. He won't send it to me. Is there someone else who will? Why, there's a whole circle. There's a whole lot of people, but I know that I don't remember when he wouldn't give it to me either because he doesn't want me talking to him at all. Come on, who would have it? I might be able to find it, but let me. Yeah.

Do you want me to call? Sure. I want to get messy. And then put the speaker up to here? Up to the mic. if both of them are going to say they need to contribute in an additional 300 hours a month of groceries I try to put it like out on the mic Hello

Hey I wanted to talk to you really quick I'm up I'm filming right now for the financial audit show And are you busy What are you doing? No I'm just at Starbucks Oh okay We were talking about like my finance and everything when it comes to like groceries and all of that

and I need y'all to contribute a little bit more when it comes to that whenever because we need to oh yeah of course yeah so um so I was hoping um you all could do like around $300 whenever we do groceries and everything yeah yeah so that should be that going to be a problem at all or no I should be fine. Okay. And when is he leaving? Um, and when are you leaving? We leave next week.

Okay. Really? Okay. When? The last day of the month is when we move in. Okay. So, you know, I have a, the attendance fan of a goldfish, so. Yeah, well, I know.

All right, but, okay. Cool. Well, that's a win. That's a win. contributing to the groceries. Yeah, hopefully they give you like 300 on the way out so you can restock. Yeah.

Hopefully, that would be good. Seems like he was very receptive. Hopefully it wasn't just for the cameras. I don't know. You know obviously better than I do by far. Like, he knows who's being filmed. We've been friends for a few years, but like we weren't like best friends. Like this was a favor that he asked like out of the blue.

Hadn't talked in a while. But do you think he'll actually contribute and you think they're moving out next week? I would believe that they're moving out. They've been talking about it, but like when he got fired, getting all the like income documents to them has been the struggle. So I didn't know how long that was going to take or how long it was going to last that he was going to just push that out. Because it seems, and then with his, you know, his boyfriend not working. And you think they'll give 300 on their way out to restock? It would be very nice if they did.

I hope they do. Well, do you think? He just said yes, but you know them. Did he say it for the camera or is he? He might have said it for the camera just because he doesn't want to look bad, especially because he watches. the show. Ah. So he's going to see this.

Ah. Right. Okay. All right. We have, I think, a credit card. But, wow, this is so over. Is it? No, this is cash advances.

Yes. What the fuck? He did $2,550 of cash advances. Yes. I've never even seen that on the show. $260 of fees. Right. What's happening?

Um, so I opened the net credit when, I needed money to gamble. What? Yeah. What the fuck does that even mean? What the fuck? 50 minutes in, what the fuck does that even mean? So whenever we would, whenever I would gamble and I over did it.

What? Slots. Where? On my phone. Oh, fuck. Oh, dude. What the fuck. So whenever I would overextend.

myself out of my checking account, I would take a cash advance in order to cover everything else. Slots on your phone? What does this even look like to you? Because this is insane. Again, you took out 2,550, but it brought it to a balance to 2,810. What did you, what, you used that all for slots? To recuperate the loss on slots, yeah. Slots, when? When slots? Um, June.

What? You spent that much on slots? Or you lost that much on slots in your phone? Mm-hmm. Buddy, no. How much slot playing even is that to get there? I don't know. I've never done it. Unfortunately, not a lot.

The story behind why I even got into it was because my parents, they won $200 to spin, Lindsay's saying? Yeah, $5 a spin. Sorry, go on. My parents won $200,000 on there and did receive that money. Actually, they probably net almost $250,000 in total. and so I was doing it to see if I couldn't net something out of it too and then I kind of fell into it where it was like no there were times that it did make up differences where I was like struggling

and then yes no struggling this is more than your income on a monthly basis and you had to cash advance for it you had to catch a f***ance dude this is insane just to like pay for your groceries yeah yeah you got an 11% almost an 11% fee You paid 11% 11% And now it's going to sit there And accrue interest, right?

So that 11% fee is like every month Yeah, the balance It accrues 11% a month? Yeah, it's a statement Not a year and then broken down month by month No, it is 11% a month So there's a statement balance fee Like that's what that is

So it's like 100% a year Depending on how long it takes me to pay it off, yeah Oh. Oh. What the fuck? So we're talking, we're basically talking like a, like 130% a year. 130% a year for slots? 130% loan for a slot.

Yep. I was trying to win big and it didn't work. How long have you been doing this? So when I was living with my parents is when I started. When was that? So I moved out of my parents house in 20. so it was probably in 23 is when I started. And then June of this year, you

f***ed. You f***. So it ramped hard. Did it ramp hard or was that just a common thing? It was kind of constant. What the fuck? So a lot of this debt we're going through is just you slotting it up? Yeah. Whenever I would like get sad or whenever I would like I would do slots to

try and feel better. You got sad? Sad? Yeah. But now Rodrigo or whatever the his name is in your slot. So you shouldn't be doing slots anymore because you're not as sad, right? Is that how this logic works? I guess kind of, yeah, I'm a little busy with that. He's got me back into exercising again, so it's like...

Are you slotting less? Like, wait, like... Are you slotting less? Or slotting less on my phone? On your phone? Yes. How much less? What was your monthly average you were losing in slots?

Anywhere from $1,000 to $2,000 a lot. That's your entire income. You f-mm. When I was making money at the... And now? Now, um, it's gone. It's not going to happen anymore. No, no, no, no.

Leading up to now, last month, what was it? Because no, no, no, you can't just say from this point on. Last month was maybe like $500. That is money. That is substantial money when making $2,200. That is not a joke. $500 is substantial still. That is still literally 23% of your income then with the slots. The hard part with my income is there's also like spiff money, which is like bonus.

What is a spiff? That sounds like a slur. It's a bonus. So like if you sell this many cars in a day, like you'll get a bonus. If, you know. Yeah, but big dude, you're not even hitting your, draw. Right.

Is that included into paying back your draw? Your spiffs? It's taxed and then it would, they pay it out as a check. So I would get it as a check and then they tax it on my draw check. So they pay me the full amount of whatever the bonus is and then. So we really shoot for the spiffs? As often as I can, as often as they're available. Because they're not consistent.

So how often are we hit? the spiffs then. So the first month, that was probably like $1,100. It's just not consistent because, like, when the store is doing well, there's spiff money. When the store is not making as much money, there's not as much money for spiffs. So it's like dependent on how the industry is doing, really. Okay.

Yeah, this is crazy. Your minimum monthly payment on this is $387.50. It does go down every month. Like, the monthly payment for that is like, it drops like $50. Yeah. It goes lower. Okay. So every time I make a payment, it's like $50 less.

This is insane. Yeah. Yeah, literally two months when we've had $515 a total fees. This business is crazy. They make so much money. If I had no morals, this is crazy how much they make. Yeah, I wish that I could get out of it. That's the only, so I don't, I guess that's the only line of credit that I have, like, when it comes

to, like, pulling money like that. Oh, yeah, pulling that cash advance? Yeah. It better be. You should never do that. That's like as bad as it gets. Yeah, no, I've never, I don't have any other ones besides that one. Where are we with getting the number?

Because we got 30 minutes left and I want to close with it. For you, chat, I'm messy for you. We're messy for you. We're messy buddies, aren't we? Oh, absolutely. Should that be our team name? He won't send it to me. But you said you have another way to get it?

If I asked Caleb for it, but Caleb would. read me for filth asking for it. That's okay, right? No, because also he doesn't know that me and Charles are sleeping together, and we don't want him to know. Does Caleb maybe know who I am? Is there a chance? No.

There's no chance. More than likely not. But there is a chance, like, that he might eventually see it. So I'm like, so that's why I don't care if I talked about it, like, on the show. But, like, even at the bar and stuff, like, he doesn't see us do anything besides just be friends. This is just, this is one of the. craziest accounts I've ever seen. Again, literally, like,

I like money. But unfortunately, morals are subjective, and unfortunately, I do have some. It really sucks. Because what a money-making opportunity that is. They own you. They own you. They really do. What is this? This looks like a payday loan. No, that one is an upstart loan.

Upstart. Okay, what did you get upstart for? Which one is that? I have three. Oh, my, why? Um, what are you doing with your life? I think that one was the consolidation one that I just recently. This is a consolidation, you got a consolidation of higher interest rates than credit cards? Make that make sense.

This is it a 26% interest rate. That's lower than some of my credit cards were. What does, no? Yeah, one of my- What credit cards did you have? I have like six. No, no, no. I don't see credit cards above 36.

I thought it was lower than that. It's extreme when they're at 35. Yeah, I don't know what my milestone card was, but it was high. What? So. He borrowed $4,312 in the finance charge attached to it at that 36% interest rate is literally more at $5,0.72.71. He owes a total of $9,314.71. That is insane.

Is it say when that was paid? Yeah, that. Yeah, it took out in August. And it's done in 2030. $9,314.71. Minimum monthly payment, $155.2. It's going to be forever. That's if I pay it, like, only the minimums.

That's what I would pay total. But I don't see any other way at this point is the thing. This is crazy. Okay, so what did you, this was the consolidation? That was the consolidation one to kind of like float me through, like, get the payments paid and paid off. and then float until I found a job. This is wild. This is wild.

Yeah, the craziest part about it is I had just paid off a different Upstart loan like two months before that when I was making good money at work. And then I ended up having to take another one from Upstart again to make it. Okay. I got another one. What's this for? This one's also a 36% interest rate. You borrowed $1,100, but the finance charge is only $400 for this one.

It must be a quicker payment term. It is. Two years. So that one was when I took the job at the school, I had to go to Dallas for training. They did reimburse part of it, but not at the level of which they said they were going to reimburse it. So they're like... You didn't have any savings? No.

Have you ever had any savings? Not successfully. Not that I haven't touched. Because that's what the point of this all is, is when those things pop up that are opportunities. Is that a fucking yourself with a 36% interest rate? $1,439.13. Miner monthly payment, $79. dollars.

That's crazy. Well, that's good. What's the balance today? I assume you wanted to get out of car sales and that's why you went into this field, right? But now you're back in. Yeah, the story behind getting back in was that I was kind of moping

after losing my job and then woke up a Saturday morning from a text from my old boss that said, come sell cars for me. And so I went back to selling cars. Good. At least you're getting the dispersion, right? Yeah. And I'm hoping I'll start doing better. Like, because as I'm in school, like this isn't a bad,

thing when it comes to that. Oh, I guess it's half paid off. I'm sorry. Ah. So what's the balance? Balance. Why we check? Probably $750? 800. 719. 719. Minimumity payment 79. Okay. Yeah. That's f***. Here's another f*** one. Not as bad interest, but it is still substantially bad interest

to 17%. What? $400 and you have to pay back a total $9,759? What the fuck was this for? That's when I moved El Paso. You had to borrow 7,000 hours to move. I used part of it for moving, part of it for living while I was getting adjusted to being back on a paycheck. Come on. Because I didn't have any content creation money coming in then. So.

How quickly did that die? A year and a half. $9,759. Where were you streaming? Were you streaming or making games? Facebook gaming. This is the second time we talked to a Facebook streamer. This week and in my life somehow.

Two days in a row. What the fuck is happening? So. I swear when one person does something for the first. in the show. All of a sudden, I get like four of them in a row. That's so weird. How long did you live in El Paso for?

Two months. This for two months. Buddy! Part of it, so I didn't spend all of it when I was there. When I used, I used it to move, like, pay for, like, the U-all and stuff. And then... Going to the other side of gays. I don't move in like quick.

I actually prefer to live alone, mostly. No, lesbians moving quicker. Gays move into their holes quicker. That's... Honestly. It was only a month before, you know. They should have a grinder for the straight, so it's all I'm saying. Honestly, I thought, isn't that what, like, Bumble is or Tinder?

Now, you got to swipe. Grinders like a buffet. Oh, it really is, yeah. But it's funny, there's a lot of straight guys on Grindr. Okay, I want to... Yeah, sure. Yeah, sure. But that, I also used part of that to move back to...

I moved to Victoria, Texas after that. Is that Houston? It's two and a half hours away from Houston. It's kind of middle ground. It's called the Crossroads. So it's two and a half hours from Austin, San Antonio, and Houston. It's like right in the middle. I thought that was College Station.

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Like, we're f***ed done already. Like, this is insane. How much school do you have left? So I'll finish my accounting associates this semester. Associates? Yeah. Are you going bachelor? I was going to, yeah.

When are you going to be done with that? It would be two years. All right, what is milestone? A milestone's a credit card. What are you doing with this? This is... We got fees with address. Oh, f*** sake.

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When I went to Tennessee in June right before I lost my job. Why? Just for fun? I met with... You still had bad debt during that? I paid for the trip itself and everything. Not on the credit card. Why the fucking you're paying for a trip

when you have those other deaths that we already looked at that you got before you lost your job anyway? This was kind of like a once in a blue moon kind of a trip. Yeah, Tennessee. That doesn't exist anytime else. Well, so the reason we went to Tennessee was because it was a main meetup

for all of us that used to play together and we're all in a discord together. It doesn't matter. You guys don't make money. I don't care. You'll meet up again. I mean, maybe, but this was a chance that I had and I was at a good job.

What did it call? So I paid, I think, $300 was my share of the cabin. We stayed in Gatlinburg. And then... Cabin? Yeah. We stayed in like the nice cabins up in the mountains in Gatlinburg, Tennessee. Were they gay?

Two of us were. Three of us were. No, I didn't sleep with any of them when I was there. What? No. You're such a bad gay. Those are like my friends. One of them is literally we call him...

Which probably shouldn't have said that. But gay uncles love touching her. Stop. One of them is like family. Like a lot of like these people are my friends that kind of kept me going. So it was like a nice chance to go and I didn't want to sleep with any of them. Why is there $15 and $7.7.00 of fees? Buddy, why are we spending on a credit card right now that we cannot pay off a way of bad debt

in that while interest is occurring? I don't even know what I put on there. I'll tell you. You stopped at the gas station got some bullshit. Wasn't gas. What are you getting? Because I do see gas right after that. what you go in and get.

So when I went and got gas, I was going to put it on my debit card, but... No, no, no, no. I see gas. At the same time, you also went in and got something. What did you get?

That's when I went. That's when I was on my way. So it was a snack or something on the road when I was driving Tennessee. This just happened in June? Yeah, the meetup was in June. Listen, this is... We got to stop this out there,

ladies and gentlemen. People go in and they stop and they get their one-off snacks. They get their one-off energy drinks. This happens every show. This is... That's specifically why I work with the gamer subs. Dude, no more full.

$4 energy drink bullshit. 10% off. Link in the description below for the best tasting energy drinks I've ever personally had. And it's 25 cents a serving. It is just like making coffee at home instead of going to Starbucks. It's stupid. Stupid. And there's free samples.

Use my code, Caleb. Free samples. Get your gamer stops. Figure out what flavor you like. That is 25 cents a serving. No more stopping at the gas station getting some bullshit. I'm done with this. I'm so done with everyone doing this because you did with Buckees as well.

So fucking in that. McDonald's, Chinese restaurant, swing Baytown Plaza McDonald's. Burgers? Come on, we're losing away. What are we doing? What's the fees? Well, that was a splurge trip when it came to like your splurge. Oh, also raising canes and you went in and got some bullshit.

Again, gamer subs. I guarantee you taste better. I promise. It's literally, actually is incredible. I'm like addicted. But it's bad. It's bad. It's bad.

But I also- Go in and get all this bull. A sugar-free option, though? Because I don't do sugar, so. Um, it's very low cow. It's a super low cow drink. Okay. No, dude. And there's monsters like 300.

That's great. Uh, yeah, total fees this year so far, $41.27. This is crazy. Mm-hmm. This is insane. What is the fee? Oh, it's a monthly protection fee and then a monthly fee. This is crazy.

They're just, they're making so much off of you. I'm making so much off you. Yeah, this is it a 36% interest, right? Oh, fuck death. Synchrony home. for what? When I moved to El Paso. This is so long ago now.

Yeah. The main reason with that card, it's super weird, is that I didn't use it enough, and so they closed it. There wasn't anywhere that I had that accepted synchrony home. Good. You're not a credit card person. But that was,

I don't remember exactly how the breakdown of it was because I took out a loan and the credit card, and I got like my couch, my love seat, and my washer and dryer and computer. All for two months. Well, I took everything with me to the next time. That's expensive.

to move from El Paso with a bunch of furniture. We packed it all in a big U-Haul. Interest. You've had a late fee this year. Yeah, you've had a late fee this year. It's insane. Interest accruing 30%. Balance $896.67 with the minimum of the payment of $32.

Do you still have this furniture? No. Yet you are paying interest and late fees on it. That's fucking insane. Do you not get this? Computer? Yeah. One of this was the computer?

So I had a con. I bought it through Con's Home Plus before they went out of business. or at least the ones I had went out of business. And I had a washer, dryer, computer, couch, and love seat that I bought when I moved. I needed the computer for work, and I bought it when I got there because there was no desk space for me. So I bought a computer so I could do that.

And then it was also good for me to do my homework on. So I didn't have a, my tower was moved, but like, I don't know. It was easier with a, like, computer. This is insane. Best Buy, speaking of computer. So what's, what's, with this. I took that card out originally

when I started streaming is what I bought my first computer on. And then... What do you think dried up? Why did you think it dried up? Like, it doesn't just go away. There's always reasons why. Well, for me it was like...

Yeah, but you. Because streamers still made it. Why you? Yeah. So I didn't have like multifaceted content then. I was purely on Facebook gaming. Yeah.

I didn't transfer very well when I tried switching to Twitch. Because I did try to switch to Twitch. And not, a lot of the people followed from Twitch, and it was really hard to build Twitch without having a following. You can't.

Yeah, so it was, like, very difficult. Actually, my Twitch now that I still sometimes go on, just for fun to see the people that I used to see, has more followers than my original one did. $907.88. Still owed on here for something you're not even making money off of anymore. That's actually newer stuff on that credit card. Then what is it?

It was my keyboard broke, so I bought a new keyboard. This is $907. And then I also did buy an Alexa on that. An Alexa what? An Alexa Supreme Max? Like what the fuck? This is $907. So my Best Buy Supreme stuff, like for me to take all of my tech to Best Buy, no matter

where I bought it from, is on that card. And then, like, I bought the Alexa home and like the keyboard and that kind of stuff. It's just it piled up on there. $23 and $2.2.2 of interest accrued five years of minimum fee payments to pay this off. Crazy. You're going to pay a total of almost $2,000 and then $33, your minimum. F*** insane. 107 this year so far.

30% interest rate. City Advance Planum Select. Is this the one that you said you thought was over the interest rate of the other one? No, that was a milestone card. Okay, well, we'll see. That one. This is a crazy balance. Basically at the max.

Why? Purchasing $115. Why? So my medical bills were on that one, partially for my surgery in May. What? Why didn't you just get a payment plan from the hospital? Why did you put it under a card? It's a payment plan from the hospital on the card.

On the card? Yeah. When I filed on there, it was that supposed to be like $100 that ended up being $85 a month. Goes on that card. That's part of it. Wait, you pay your payment on this card. Yes. Oh, your payment plan's not actually on this card.

It's not like an actual loan payment plan. It's just through the hospital itself. Yes. But you put it on an interest accruing card. Yes. Dude, you are at 2000. $72.73. Because you can pay it from your debit card.

Because the paying and playing from the hospital is not necessarily the worst thing. But you're just going crazy, putting it on an insane card. $53.98 of interest recruit last month. This would take nine years to pay off the way you're going. But that's if you don't put anything on here. And you always do. You put your hospital, your medical bill on here. Yeah.

So this will never be paid off. Do you want to know why I opened it? Why did you open it? Sure. So I went to South Dakota in May. And it was... I guess that's where bears are found, right?

Like that? Actually, a lot of them are twinks out there. Like, they just all have heavy coats. Bears. When it comes to the city card, I opened it because it gave me a credit for my flight when I flew to South Dakota. And then it just kind of spiraled from there.

Because I used to be when I was heavier and that was that flight that taught me that I don't need to book first class anymore, but I was so heavy. What's Stacy? In Stacy? Like, I see your method. Okay, yeah, that's the medical bill.

What's this in Stacey Incorporated? I don't know. What? Come on. You're $85 medical, sure, but then there's an extra 30 from Stacey Incorporated. You don't even know what that is? I don't. I had a late fee this year so far.

Yeah. So you put a payment plan on this card and then you don't even pay this card on time. Dude. Yeah, that's a 30% interest. Those two late fees happen when, um, a paycheck was, it fell weird. And so I couldn't get it paid on the day.

And it was like a day or too late. So I made it late. Capital One. What's going on with this? Which capital one card? Oh, this capital one, you owe $1,7009 to 97 cents.

So that's my platinum card. That one, I opened that one when I was looking at Victoria. And it's maxed out again. Sorry, go ahead. So, yeah, with that one,

I used that one as kind of like my baseball shit card. That's what I would buy video games with. That's what I would buy. Dude. What now? Because you're still spending. Yeah, that one I feel like was only, my chip on my debit card was messed up for a while. And so I got a new debit card.

Dude. But it had to be mailed to me, so I was using the credit card. 12 years, minimum fee payments only without any purchasing, and you always purchase. This is crazy. This is crazy. And no, you stopped in the guess. station and got some bullshit. Yeah, because my chip didn't work on my debit card.

Gamer stops! More affordable. They have a hydration drink version as well, by the way, if you don't want the caffeine version. I usually do the hydration drink version. Yeah, late fee this year's so far and almost $300 of inches, we're at a 30% interest rate. Yeah. Insane.

Okay, quicks over one. What's going on with this? This just keeps going. That one had my anesthesia on it from the surgery, which is what, because the anesthesia wasn't fully covered by my. my insurance, but it wasn't through the hospital. So I had to have a $51 monthly $51 monthly payment on the anesthesia

that I'm paying. But you're paying via this credit card. Again, you're not paying. This isn't that debt. You are paying that debt with this credit card. Yes. So that doesn't explain the overall balance. $25 of interest. $29, $21, cents, a spending.

Eight years to pay off no spending, but of course you are, and that is paying off an other debt and yes actually no no I don't have any of the anesthesia I have a vending machine and planet fitness my planet fitness

they go on that card too yeah but I cancel that I don't see anesthesia it should be on that one or maybe it was going to be on that one I moved it to my debit card because the payments on those are coming out soon and then vending machine again at work yeah

stupid $3 drink or a $25 per serving what are we doing guys this is so it's this this is what we have to do in budgeting come on make coffee at home make your energy drinks at home

make your hydration drinks at home what are we doing meal prep sandwiches come on we've had a late fee this year so far no one's surprise $150 of interest almost 32% interest rate discover it oh my goodness this balance is insane

that was my first ever credit card that I opened in college great it's $2,693 and 92 cents minimum monthly payment $84 yeah so when I was originally at the car lot before I moved away from the car lot, I tried doing a debt relief program.

Oh, great. So twice. But I canceled it. When I did that, it broke the terms of service with the Discover card, so it closed. $84 minimum payment, 11 years to pay off. 11 years, minotency payments only, which is what we're doing. $63, 5 cents of interest accrued. Late fee this year so far, $500 of interest, $28,000. percent interest rate. Yep.

All those late fees are from the same one time now. And we keep going. Student loans. Yes. Why didn't you use the same thing you're using now? Because I was living in South Dakota at the time. So I couldn't do that. What's your total?

Okay. Well, these are deferred right now, so we don't have to worry about it. I'm in school. But some might be accruing interest still. Yeah. $30,000. $30,886. So what did you do before?

school-wise? Can you bless me with something? Oh, gosh. Money-wise? Yeah. That's when I was in school for music performance. Oh, right. And then I was living on my own at the time and then dropped.

Great. So you already have $30,000 student loans for music performance. Yeah. That's about what I got. That's about what I got. So that one I'm trying to, while I'm in school there deferred and it's helping me stay. Yeah, but we're going to have to pay back. And that's like a minimum.

eventually. $350 and you get it. There's the anesthesia. This is the anesthesia. Yeah. Okay. Of which you owe a total of what?

It's at the top there, 305. That's the total? Yeah. That's not the minimum? That's the total. Okay. It's not a lot. Do you know the minimum or are you just chart to do?

Okay. So, anesthesia, $305.95, interest free, I assume. Yes. $51 minimum fee payment. And so that'll be almost done. That only takes like six months to pay off.

Yeah, it's not the worst. And then here's the hospital bill. That one's $85 a month. Also not the worst. I just don't like that. Now we're putting it on a credit card. So I took all of my credit cards out of my wallet. I don't carry them anymore.

I don't have them attached to anything. I canceled everything on it. Nothing charges onto a credit card. And moved both of those payments to my debit card. $709. $0.44. Minimum to payment 85. Okay. Probably interest free as well, right? Now, that's all your debts, correct?

Yes. Good. Checking account. Let's see. Started with 1,691. Oh, my goodness. Dude, I'm seeing a lot of bullshit in here. Yeah, there's a lot of bullshit. It's insane. You're putting minimum

to payments on credit cards. Yet you're spending this much on bullshit. That's unacceptable. That is disgusting. That is horrendous and unacceptable. and we ended with $1,500. Okay. Wait, is there extra loan in here? What is this 14% thing?

Quick loan? Oh, yeah. It's like a... It's an extra loan? Yeah, it's $1,000. What? What is it? What is it?

So it was a... It's kind of like the net credit. It's a line of credit. It's a line that I can pull from. Oh! Mixed it out by the end. end of the month at a 14% interest rate. Minimals to payment or what? 50? Yeah.

Ficks sake. All right. And in here, well, we put our debt minimum to payments on credit cards. We went in Pokemon. We spent 11 hours on Pokemon. VGW. $99? We don't even know. I think that was. Kindle 13 McDonald's. I can't sell that. Starbucks, Buffaloed Wild Wings, more Pokemon's, Luckyland, and Star, then, Starbucks, Amster,

oh, Vennemachine, great. Again, 25 cents serving. Stop f***ing around. It's like meal prepping, except easier. Luckyland. That was the slots. That's more slots? No.

That was all of the slots. No. VGW, Netflix, going in and getting some bullshit. sets of serving. Chick-fil-A. Going in and getting some bullshit. Chick-fil-A,

Venet machine, Sonic, Starbucks, Sonic, going in and getting some bullshit. Steam games, $82. Pokemon's, Wendy's, going in and getting some bullshit. Wendy's,

uncanny.com, uncanny.com. What the fuck is that? That was a trading card shop. Stop. It's a new form of gambling. Yeah. Stop.

That was something that, that Mark got me into. So I'm not into it anymore. VGW is an online casino. That's what that is, by the way. Oh, so it's probably just the... It's more slots. It's the same slot,

but it sometimes comes out of a different charge. I only ever use the one. Going into bullshit, Starbucks Hayday Mountain. It's an in-game bullshit on an app. Lucky Day. Baskin, Coney Island,

Amazon, Sonic, Heroes Collectible Starbucks. Yeah. Uncanny. There it is. Cash app. Oh, it looks like you got some bullshit. McDonald's, Burger King, Freddy's frozen custard. Amazon, Taco Bell, McDonald's, Starbucks, Lucky Land, Lucky Land, vending machine, Panda Express.

This is insane. This is insane. In-app purchase. Amazon Prime, Amazon Prime, Mabo's food, gambling, Luckyland, McDonald's, Marshalls, go in and getting some bullshit. McDonald's, Wendy's, Amazon, in-app purchase. Oh, go in and get some bullshit.

There's gambling right there. Taco. By the way, no, June was, no, this was, yeah, last month. This was just a couple weeks ago, this gambling. Taco Bell, McDonald's, Crackabrow, gambling, another $99. Gambling, $99, gambling, $99, gambling, $9. It was not $500.

You're at least in $800 by now. Was that in July, right? Yes, last month. This is insane. Oh, another $99. Okay, we're easily over $1,000. You said 500. When I said last month.

August. You said 500. Come on. Oh, yeah. Yeah. That's okay. This was. So going from like 1,200 to 500.

Yeah. Still not great. Dairy Queen, Chick-fil-A, Sonic. Gambling, gambling, gambling, gambling. Every time, $100. We're approaching about $2,000 now. McDonald's, Racing, Cains, Taco Bell. Gambling, gambling, gambling,

Pop-I's, Nintendo, Sonic, Spotify, Gambling. Gambling, gambling, gambling. Chicken Express. I'd join a group, buddy. I'd join a group. Amstar vending machine. Donuts, McDonald's. This is crazy.

McDonald's Burger King Panda Express. Gambling, Sonic, Pokemon. Going in to get into bullshit. Venomachine, Venomachine, Venom machine, Vennem machine. This is fucking insane. We also had fees on the cash advance bullshit this year, so far.

I don't know these savings to save my f***ick. The thing is we know you're dramatically over budget already. So this is going to be sad. There was something that I, like, was considering, but obviously not until I could kind of figure everything out when it comes to sticking to it. The bankruptcy? There's a debt relief program that could lower, like, the, take all the credit cards and loans into one, and it drops the payments from, like, $1,100 to, like, $3.57. And it's something I was open to consider. Remember, your car's alone.

The credit cards and the loans. The car loans, too? Well, the car loans alone are almost 80% of your income. So I still don't think we even, like, break even. because then you got rent and you got this is going to be interesting you're lucky the student loans are deferred right now

because you're whole also I don't want you to do a consolidation again didn't you just do it a couple months ago like what are we doing? The loan didn't pay out like this would be a lot more it would cover a lot more Let's not even think about that

yeah let's focus on changing behavior because here's the thing your minimum fee payments $3,022.21 cents that's what your student loans are deferred to that is crazy that is

crazy. What's your rent? 1425 to 1450. And we're over, including dispersed months. There it is. That was it. And now we're over. We're over by $400, just like that. Including

DoorDash, net, including pay, including the payouts that sound like a slur, and including the disbursement while you're in school. You're already over by 400. But let's continue. Internet, water, gas, electric, utilities, all combined.

So water and stuff is in the rent. The electric bills normally around like 80. So about $130.30 for electricity. Phone bill? $30. That's not bad. Gas, Vroom, drive, drive. Maybe like 150 at most.

Car assurances. 386. It's another reason to just kind of... Oh, sell it. sell it. Necessary food. We could do $300. Use the meal plan

that you get in the budgeting class and use the cookbook. You just warm up your food meal plan a couple times a week. And again, no more vending machines. TP fund. $100. Anything else you need to survive?

Medical health care co-pays on a monthly basis? So co-pays is once every three months. It's $30. I'll put $10 and then gym. How much? So I don't go to the gym anymore. We go running in the park. So it's like $2 every time

go to park. Okay, well, we're the Hartford, with decades of experience ensuring millions of unique small businesses when it comes to your small business insurance. Thank you. One size, absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. And it's like $10. Oh, really? Yeah, we go.

$20 a month? Yeah. So 30 for medical health care subscriptions. I try to do about 30, I guess. Do you have any pets? No. Thank goodness. Yeah, subscriptions are less than that, actually, because it's just.

just Netflix, Amazon. I'll call it 20, but I... It's Netflix and Amazon and Spotify. That's it. And Nintendo. That's it. They're all student-based, so they're all pretty cheap. You have to probably let your credit cards go to collections for this thing to work, right? Yes.

So they say that I should stop making the payments and just pay them. So it would be $357 a month that I pay them. Yeah, $5,542 to survive right now. That's not even close. That's not even close. This is impossible. This is impossible. Except it's not.

You have two options. There's that. Well, yes, I would just stop paying the debts now. Okay. Honestly, even including the Silverado. Well, the art part with the Silverado is just, it's not just my credit. Sh-do signed on it. Trust me, I thought about letting it go, but I can't do that to, even though we don't talk,

I still won't do it. Okay, let's get a job closer to you and get rid of the other car and then just drive the Silverado to the closer work. Yeah. Because we can't have these two car payments. That doesn't work. Just let it go. Not even sell it.

Just let it go. And then after you change behavior in three months, either do this thing, but honestly, even more in order to get rid of the, essentially, you're going to do a voluntary repo on the Kia once you get a closer job. And then we're just doing bankruptcy. We're doing bankruptcy. You used it now. Won't be able to for the next seven to ten years. And it's going to fuck you for a while credit wise.

but you need a fresh start. And it's the time. And even still, you're going to be that silver auto release. That'll be our only debt, not including student loans. But it's time. But you need to change your behavior

for at minimum two months before you do that. And you can stop paying on that debt, except for the cars for now. Voluntary repo, once you get a closer job on the Kia, that's it, man. That's it. Because there's no way out of this

by plowing through. You just, So your income jump would just be substantial in order to even make any kind of progress. It would have to be at least like $3,000 extra. You know, and that's like crazy. You'd have to just be the best car salesman in the world all of a sudden. Yeah. In your job, you're not getting out of college for a better job and, you know, for a couple years still.

So that's what I would do. Let's get us hammer financial score. But I will say, apparently there's something incredibly insane we got to talk about in the post show. All right. Well, I'm excited. So, but let's get his camera financial score. Spending the budget, overspends, zero out of ten. Dude, there's no way.

This is not a just, it's, there's no IRS or collections, but it's as bad as it gets one out of ten, essentially. Without that emergency fund, there's nothing zero to ten retirement. There's nothing zero out of ten real estate. There's nothing zero out of ten. Hammer financial score rounded up out of generosity, 0.5 out of 10. Hit that join button. Join Hammerily for an extra 20 minutes of this and every single episode in the post show and three premium shows posted every single day, Monday through Friday.

We'll see you there. This is something we wanted to say for behind the paywall. Your friend's boyfriend is attracted to you who's kind of moved in and milks you. Kind of, yeah. What the fuck? But then there's also like drunk messages I've gotten from him since they were like, you're a better friend than, you know, he deserves. I think the new addiction is the new boy toy.

Well, your life is so messy. What the fuck? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join in. That's a promise. Relax and let Ralph's delivery handle your grocery shopping this week.

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