Financial Audit - Sugar Baby Demands Money From Me | Financial Audit

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Starting point is 00:00:42 Fit for your ambition for Citizens Bank. To watch episodes of Financial Audit a week earlier, check us out on YouTube. You can't retire just off of blowing dudes. For gifts. For money. Sets for time. Sucks for attention. Have you done that before?

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Starting point is 00:01:27 Hi, my name is Rain. I'm from Salt Lake City, Utah. I'm 26 years old, and this is financial audit. Yes, it is. Thanks for coming down to Austin. I appreciate it. What do you do up there for a living? I work in retail, just Home Depot, driving a forklift.

Starting point is 00:01:44 Driving a forklift. Okay, that's probably not much. In Salt Lake City, definitely not a chief city. One of my brothers lives there. I know that for sure. Housing market's brutal. Cost of living is quite brutal. All right.

Starting point is 00:01:56 Yeah, so that's probably hard to live on. What are you making? 21.03 an hour. I just got to raise. Okay. How many hours a week do you work? Between 30 and 40. I've been working more recently. More is capping it at 40? Well, I was working 30 hours because I was in school. Was you graduated? No. I'm on summer break right now. Oh, okay.

Starting point is 00:02:21 So I'm waiting to go back. Okay. Some people take longer. Some people start later. There's nothing wrong with that. You do the fucking Mormon way however you want. I'll allow it, you know, soak away. But what do you study? The degree I'm going for is Graphic Communication, no, Associate Science in Graphic Communications.

Starting point is 00:02:41 Graphic Communications. So we're spelling out high in graphics? Yeah. No, it's basically, it's a super basic art degree. So it's like photography, digital design, design. Okay, because, I mean, listen. photography, that part is, especially in the world of AI,

Starting point is 00:03:03 I know a lot of people are against it, it's going to displace jobs, blah, blah, blah, blah, blah, blah, blah. A lot of people are for it, whatever. It doesn't matter where you really stand. It's certainly common. And photography, you know, it's important. People want pictures taking to them, but, oh boy, AI is coming into the photo game, right?

Starting point is 00:03:17 Yeah. And coming into the design game. Now, people need website designs. People need graphic designs for things. We do graphic designs and website designs. You know, okay. Also, I'm going to design this logo. Woo.

Starting point is 00:03:28 Right? So is that what you're going to be doing? Or is this just in the world of just art? So originally in, I went to university at SUU and I was going to do an illustration, illustration degree. But I, um, dropped out. And then I wanted to go back to just get something, just a degree. And that was the closest that I had. So I did that. Okay. And have you looked at what you're going to make with that? Like, what do you mean? Income. Oh.

Starting point is 00:03:58 The purpose of school? Well, the whole point of it is just so that I can have a degree so I can put on my resume. Because I just... You can put it on your resume regardless. Not that I recommend that, but most places don't check. Some will. Not a liar. I don't lie.

Starting point is 00:04:11 Okay, ever? I try not to. Okay. So what is the protected income if you looked into it? Or what do you want to do? What? Like, because you're not, I mean, you're on summer break. So, woo, we're making $40 an hour in a very expensive city. Got it at $21 dollars an hour.

Starting point is 00:04:29 How much is really going for us, I'm assuming at this point. No. Okay. I'm trying to just do anything I can to make my life better, but. What are you doing? What are we out there doing? What are you grinding? Well, I'm in school, and I'm, like, in therapy, and I'm here.

Starting point is 00:04:50 Okay. It's a step. I get it. Okay. So you have no salary or job expectations post-graduation. Nope. I've recently told my managers. What a great way to go to school, ladies and gentlemen. No plan. Well, I don't really know what I'm doing. So I'm kind of just doing what I can.

Starting point is 00:05:09 Just a year. Okay. Well, it's one semester. The year is opportunity cost that you're losing out of the marketplace. And a year is cost of school. And also it's cost of school and opportunity cost that we are using to do we don't know. Well, I was just trying to like do something to boost my resume because I don't have like any good. A four-year degree to boost the resume. I get it. It's not 2020, though.

Starting point is 00:05:33 2020, 2021, that's where it's like a degree, yeah. You just get into a job, right? So it's a tighter job market. It's not a bad job market. A lot of people would debate that because we saw such a great job market. But we're back to a more normal job market, but you can't just get any job you want. You've got to really fight for it.

Starting point is 00:05:47 Now some sectors are a little more difficult. Tech is a bit more difficult. It's very interesting. You definitely have to be more AI focused right now to kind of land something. You have to be very competitive. But in general, you got to know what you want. do what we're positioning the resume as to get in.

Starting point is 00:06:03 What I want to do and what is realistic? What do you want to do then? Okay. I am an artist. So if I could, I would just be a freelance artist if I like freelance artist doing what? What kind of art? What are we doing? Anything. Like I do sculpting. I do painting. I do, I like to do photography. I do everything. Okay, so unemployment. Got it. That's fine. And what's our success rate on that? I don't know. clear. I went to school to study first music education because I always wanted to be a teacher.

Starting point is 00:06:32 That's why we have all our educational resources like Dollar Wise Central, where we do all of our classes for a lower cost and purchase them individually. Got it. Okay. That was my passion. Then I went to music composition. I like being in the art world. Listen, it's the vast, vast, not vast. It's the incredible small minority that actually make it in the world of arts. And that's okay. It's a competitive field. The best of the best make it. Everyone else gets pushed aside. Well, that's kind of how it works, you know? I did pretty okay. I was able to make a living off a music composition.

Starting point is 00:07:06 I decided to make more money so I could pay off debt by doing sales. Are you studying at like a well-known institute that is like... No, I'm just going into a community college. Okay, so that hurts it. That's not everything for what it's worth. That's not everything for what it's worth. But are you making a lot from your art? I haven't made a lot, but it's mostly a...

Starting point is 00:07:29 because I'm very, I just am so scared to put my stuff out there. Okay, then fucking quit and go do something productive. Because no offense, I mean, I'm just going to lay a bear. Like, you know, I'm not sugar-coding. If you're too afraid to put it up, mm-mm, everyone who fails in the world of art, unless you're like a musician that made it into an ensemble. If you're freelance, anything like that,

Starting point is 00:07:49 you have to have a business brain. And every single person that I've seen fail, they don't have the business brain. They might be talented, but they don't have the business brain. You have to go in with the business brain. I went in with the talent and the business brain, and I was able to make a living off of it. And I'm trying to get to that point.

Starting point is 00:08:00 You're too afraid. You don't get to the point where you're not too afraid unless you really force yourself to get out there. It's why I'm in therapy so that I can build my confidence and get like, you know, lose that anxiety so I can do stuff like that. To be clear, the therapist says, put yourself out there and you're like, no, I'm anxious and they're like, okay. She's definitely helped me. I've gone out more and like, I mean I'm here. This being here right now is part of me proving to myself that I can't do things. But putting your art out there is different.

Starting point is 00:08:26 Like, just do it and fail. or succeed, but probably fail. We all fail. And then you learn, you adapt, and you make better. And that's okay. I'm trying. But you said you're too afraid to put it out. Okay.

Starting point is 00:08:40 Well, yeah, I'm still, I have been starting to. I've been posting on my Instagram. So why hits your account on a monthly basis? Oh, well, it's been fluctuating because one of my coworkers quit and I've been making up his hours. So I think. Just what hits your account on a normal summer monthly basis? I think like $1,600? 1800.

Starting point is 00:09:00 And Salt fucking Lake City? Mm-hmm. How are you surviving? I live with my grandma. Oh, okay. Why your grandma? She raised me, so she's like my mom. Gotcha.

Starting point is 00:09:15 So we'll say $1,700. And what does she think about permanently supporting your art forever and you not doing anything? Forever? For a while, she was over. okay with it, but now she wants me out. Good. Grandma's like, uh-oh, maybe we shouldn't enable someone. Yeah, she wants to cut the embellicle cord.

Starting point is 00:09:35 Good, because I think it is time to grow up. It's not like, don't get me wrong. It's not, I'm like, don't live with family, you know, it's not about that. And a lot of caught, wow, okay, we got a hole in our ear. Yep. No, sorry, I don't know why you're apologizing. I mean, instinctually, I want to touch it. Like, I had a lot more piercings, but.

Starting point is 00:09:57 got rid of them. Yeah, I mean, yeah, you're right. It's not 2008 anymore. I get it. Still trying to hold on, but... Hey, my alternative phase is not a phase. This is going to be me forever. Right.

Starting point is 00:10:12 So I think I'm understanding grandma a bit more. So, yeah, I don't care if you're living at home that is not necessarily a bad thing. It's certainly Western culture that, you know, we tend to get out of the homes earlier. We get a little bit more independence. We get driver's license earlier than most places, you know, blah, blah, blah, blah, blah. and Eastern culture you stay home, that's fine. But there is a lot in our culture where it's like, you probably aren't actually going to get in that independence.

Starting point is 00:10:39 Oh, you're a little anxious putting your art on display. Maybe it's because we've been coddled forever and we've never had to go out and actually do something on her own. Yeah, that doesn't surprise me. Like, linking those two things doesn't surprise me. Oh my gosh, okay. They're typing to me. Grandma almost threw her out recently.

Starting point is 00:11:00 Yeah. And it's not smooth sailing there. Grandma wants to stop charging her rent so she'll get the fuck out. Yes. What is going on? She almost kicked me out. She, like, put my, like, boxes in front of my door. She put your boxes in front of the door?

Starting point is 00:11:16 Yeah, she put, she, like, had a really loud phone call with my uncle and was like, if she doesn't start moving out, she'm going to start, like, she's going to come home when her shit's going to be on the lawn. What, what the, what does, what is, what is grandma's saying? What is grandma's philosophy right now? What is she saying to you? because this sounds a lot more dramatic than just like Garam would prefer if I move out and actually start my life as an adult at 26. Sounds like she's a little more to the edge.

Starting point is 00:11:39 Well, things were, it was like a year ago when she tried to kick me out, and things have been better, but it's, well, I've been trying to slowly get to the point where I can move out. It's just been really difficult. You go to school forever. You're trying to do something that makes no money. And then in your job, you're not making enough money to Salt Lake City. So I don't know how you would.

Starting point is 00:11:57 She probably wants you to actually figure out a path, but you've just been on a nothing path. Ken, I'm not going to sugarcoat it. This would be real. Sorry. I just have having a little bit of anxiety. Can I just drink this real fast? Yeah, nothing helps anxiety more than an energy drink.

Starting point is 00:12:15 As someone with a panic disorder. Listen, go shit, girl. Same. No bad. Sorry. Just got really nervous all of a sudden. It's okay. So we know it comes in from a monthly baby.

Starting point is 00:12:30 So what went out last month? I have no idea, honestly. Maybe like 800,000? $800,000? No, like $800 or $1,000? $2,000. $2,000? Yes, you bring in $1,700.

Starting point is 00:12:53 Now you did get a tax return because I'm subsidizing your lifestyle. Yeah. You're welcome. Oof, I didn't realize that was that bad. It doesn't seem like I'm actually actually doing as well as I thought I did. All right.

Starting point is 00:13:08 Miss Rain. What is your debt payoff strategy? I love to know just where you're at. What is going on? My strategy is, well, I mean, you know. I don't. I love to learn. I mean, I could always find a sugar daddy if you wanted to maybe do that.

Starting point is 00:13:33 You could like pay my rent, get my debt down. No, are you saying me? Yeah, you. What? You're very a cancer, Kayla. Do the fucking Utah people that come on this show. The fucking Utah people that come on this show, what is, I don't understand it. Sugar Daddy.

Starting point is 00:13:51 Okay, first of all, thank you for the proposition. You can find another Sugar Daddy. I'm sure there's lots of rich Mormons. I'm sure, uh, uh, most of them are cheating on their wives. Uh-huh. Said most of those are cheating on their wives, so no. Which is, there you go. Free money, right?

Starting point is 00:14:06 I mean, sure, but I don't know. I'm not that big of a homewrecker. Okay, I get it. Listen, it's fun. Okay, Sugar Daddy, got it. I'm sure you're a fan of the show. Listen, here's the thing. This is what I'll say.

Starting point is 00:14:21 One, sure, you have some cute qualities. Two, if I even, even, even just even considered the idea the amount of all Caleb Hammers are creepy predator that would be all over the internet. The internet's fucking insane. So, no. And two. But you'd have so many hot women throw. showing themselves at you? Two, I'm in a six-month relationship, okay?

Starting point is 00:14:41 I'm chilling. I'm not throwing out money for... You could have preferred of some pretty pristine... I am satisfied with the one that I currently have. I do appreciate it. Have you sugar... Okay, so let's take me off the table. If you actually wanted to do that,

Starting point is 00:15:01 have you done that before? I did meet up with one once. Go on, tell me. And it was the one. One of the worst experiences ever. And what does that tell us? Okay, so what happened? That's not a good thing to do.

Starting point is 00:15:12 You basically just talked to me like I was a process. And it just made me feel awful. So I... Well, he was paying to fuck you. Paying for P-Chi. He was. Yeah. That's kind of what...

Starting point is 00:15:24 Sugar Baby, it's an elevated way of saying, okay, we're going to get dinner first. Yeah. It's like, I mean, it said... And did you? No. Okay. I've never done anything like that.

Starting point is 00:15:34 I just tested it because I was in a... Did you get money? No. Did you meet with the intent to get money? No. So this was just a date. Yeah, I guess. Well, it was a date with the intent of, is that something that we would both be interested in?

Starting point is 00:15:49 So you proposed before you met this Sugar Daddy situation. Kind of. I went on a Sugar Daddy website. Well, I mean, that would fucking do it. What even is that site? I don't remember. It's been like four years. I ever break up, I guess.

Starting point is 00:16:09 It's like a, it's a sugar daddy website, but it's not an actual sugar daddy website because you can't do that. You can't do that? No. Isn't Sugar Daddy just pain? Yeah. To like dinner and you get gifts, but then, oh-oh, whoopsie, I'm inside of you. I mean, when I was looking into it, a lot of it was like, the people that were doing it and the justifications that I was reading was very like, it's basically like dating. more refined and with more...

Starting point is 00:16:39 Fined. Like, rules. Like more rules. I get this. You get this. We do this. We do that.

Starting point is 00:16:47 Okay. So you considered it and you almost did it and you kind of did it. I didn't almost. Well, I guess I did almost. I didn't want to date. But being on the date, yeah, it was awful and it was horrible. What was so bad?

Starting point is 00:16:58 I hated him. He was a dick. He was also just gross. I know. How old was he? He was young for a, Sugar Daddy. He was like 37, maybe.

Starting point is 00:17:11 That's a chunky gap still. Not that I really care. You guys are consenting adults. But, okay. So that's our way to pay off that. That's our way to pay for school. It was, but not anymore, unless you were still interested. Again, relationship.

Starting point is 00:17:30 And also, fast-track the cancellation. Okay. I appreciate the proposition. We're here for financial audit. The thing is, like, what would you even receive in that? Let's go down the rabbit hole. What would that even look like? What would that look like?

Starting point is 00:17:52 You're proposing something. It's a business agreement. What does that look like? Like me and you? You're proposing. What does it look like? My audience isn't a bunch of pearl crutches. Some people would be freaking out online,

Starting point is 00:18:05 but they're fucking weird, and I don't care about them. What would that look like? Well, like you just said, Caleb, it's between two consenting adults and with an exchange of gifts or money. Yeah, so what are you proposing? Caleb, I'm proposing.

Starting point is 00:18:22 Oh, okay. It's money and gifts. It's illegal. It's illegal. It's illegal. No, no, no, no, no. Make an official proposal. Caleb, will you please be my sugar daddy?

Starting point is 00:18:32 Okay, it's not that. I said make a proposal. That's a proposal. What do you mean? That's a question. What is the exchange rate? I don't know. What's the conversion?

Starting point is 00:18:41 I don't know. My. I don't know. My. No. Okay. I'm not even saying that. I don't know what you're asking me.

Starting point is 00:18:49 I'm just like, if you're going to come in here and you're legitimately going to propose that. What are you actually proposing? What is the this for that, this for this? It's not what I just said. For gifts. For monies. It's for times. It's for attention.

Starting point is 00:19:04 I don't, I'm so confused. I don't know what the fuck you're asking me. Am I stupid? Wow. Okay. I shouldn't have given you that. It's less about that. It's less about that.

Starting point is 00:19:17 I'm just, I'm so confused. Like, in your proposal, what monetary thing were you trying to achieve? Like paying off dead, moving out? The dollar amount. Oh, well, that's why I said I don't know what my is worth. Stop bringing it to that. 2000.

Starting point is 00:19:36 I don't feel uncomfortable very often, but at a... 3,000. 3,000 for... Dates, time, attention. Well, I'm sure there's interested parties out there. Listen, you've thrown me off in this conversation. I've rendered you speechless. I've been asked out on the show a couple of...

Starting point is 00:19:55 Huh? I've rendered you speechless. Yeah, I've been asked out on the show a couple times, but I've never been asked to pay for... You're the money guy. Tell me how much money I should be getting. I don't know, because I don't support... illegal profession.

Starting point is 00:20:09 Maybe you should look into that because, like, I mean, it's part of the financial things. No, I'm not saying for you. I'm just saying to know what the conversion rate for p. I think it depends on the flap, right? Yeah. I think it depends on it, right? Okay, so you attempted this. It didn't work because it didn't work because he was nasty.

Starting point is 00:20:33 Then you brought it to a public platform. Interesting. But, okay, I got it. So when we try this again, I mean, I just... It's time to refresh your yard during spring backyard days at the Home Depot. Get low prices guaranteed on propane grills starting at $179, like the next grill 3-burner gas grill. Or get $50 off a select Weber Spirit grill and bring big flavor to your backyard. Then set the scene with Hampton Bay string lights that bring it all together.

Starting point is 00:21:07 Shop spring backyard days for seven days. at the Home Depot. Now through May 6th. Exclusion supplies to homebibo.com slash price match for details. Here's the thing. Okay. And it comes with the OF stuff. It comes with a lot of things. You are an adult, do what you want. I don't really care. I tend to go more for the let humans do what they want as long as it doesn't completely fix society type thing or harm someone else. But I want you to think about the consequences. The consequences are, one, if you actually do this, please make them always wrap up. Two, if you actually do this, please always get tested.

Starting point is 00:21:40 Two, three, is this something you actually would want to do? Because that's, it's like... It's better than living with grandma forever. Yeah, but it's also a bit degrading. It's and not... I mean, it's degrading to live with grandma forever. But that's not the way to make your art career work. I mean, it's a good way to supplement it.

Starting point is 00:22:02 How else am I going to get all my art supplies? Okay. I don't know. It's not necessarily cute. I understand. what you're thinking here. But it's not... Okay, wow, this is not our interaction.

Starting point is 00:22:17 I thought I'd have on this show. That's very interesting. So community college... Listen, when's the last time you, like, dated somebody? It's been three years. Why? And then why are we even talking about this? Oh, so it's been a while

Starting point is 00:22:39 because I realized in like most of my relationships, there was a cycle of not great people. So we're going to do better by getting people to pay for us? Well, no, because there's no emotional connection with that. Depending, I guess, on how you do it. Private student loan debt can be overwhelming. If you're seeking a more affordable way forward, Y. RIFI is here to help.

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Starting point is 00:24:04 I was going to be way too TMI. We're already in the conversation. When's the last time? Like a year and a half, two years ago? So why are we considering this then? It seems so against. I understand the desperation to get out of grandma's house. I understand having debt is bad.

Starting point is 00:24:21 I understand all this stuff. But this is why people get pushed to O'F. This is where people really kind of just turn into this. I almost started selling feet picks on an only fan. I'm afraid of you going down a pipeline that is not. Well, that's why I'm here. and that's why I'm in college. That's why I'm in therapy.

Starting point is 00:24:37 So I don't go down that way. And what is your therapist said about this? About what? This. Like this or like? About money for booby. Oh, I haven't told her anything about that. Great.

Starting point is 00:24:52 It hasn't come up. That's great. That's wonderful. Thank God. Why not have a conversation about, okay. There's plenty of other problems that we can go over with her. So maybe if we're. we're in that situation, we shouldn't be going into literal process.

Starting point is 00:25:12 Okay, I guess. And listen, here's the thing. There are other versions of Sugar Daddy, and it's not me supporting or whatever, but we can just talk objective about it. There is the just time for lonely people. You can do that without the, you know, and clearly you're not much into the fucking. I would not be single right now if I could be.

Starting point is 00:25:35 You were not? Wait. I wish I was in a relationship. I don't like being single. It's been three years. Yes. What are you doing? Are you going on a date?

Starting point is 00:25:44 Last time you've been on a odd date. A year and a half two years ago? Okay, then I don't think you're working very hard at this goal. No. People are scary. People can be really dumb. Yes. Some.

Starting point is 00:25:59 So you shut down humanity and you live in a box the rest of your life? That's not a life worth living. I'm in this box right now. This is me getting. out of my box. Yeah, but this isn't a date. This isn't, this isn't a relationship. This is still talking to someone that I'm, you know, going back and forth on. You don't have conversations with humans? I mean, you work at a place. You go outside. I like, I pretty much just go to work and then I go home most of the time. But you want to be an art? Well, you have

Starting point is 00:26:26 school as well. In a very collaborative field, if we're being honest. It's a lot of it's about connections and trying to get your art places. Well, the classes that I've been taking were all online. And we only had like a couple group things to do. Nothing like online art classes. I still learned a lot. I did a digital art design and now I can do like indesign and I'm really good at it. But is it not something that

Starting point is 00:26:47 I could probably type into GPD and just get? Probably at this point, yeah. Come on. And that's the thing. It's just like we have to adapt. Good or bad doesn't matter. It's here. I mean, in a way you're kind of part of the problem by engaging in AI so much. Are we doing AI or not? I'm confused. Well, no, but you like advertise it?

Starting point is 00:27:05 You just said you use chat GBT. That's AI. Well, it's a good shirt. I use it as a search engine. Much quicker than Google. Did you put glue on your pizza? Huh? Did you put glue on your pizza?

Starting point is 00:27:17 Remember, there was like a point when chat GBT. There was a point when chat GBT came out. Somebody was like, give me a pizza recipe. And it said put glue on your pizza as cheese. Has it not improved? I'm sure it has. But like, that doesn't mean that everything that comes out of it is 100% right. Oh, I don't believe everything 100%.

Starting point is 00:27:33 But it's still like a search engine. kind of like Google. I just use it as Google. But, okay, I'm a little confused. I mean, yes, there are new products on the space. It's okay to, you know, promote halfway decent products that might make people's lives easier, but also at the same point, I know the conflict

Starting point is 00:27:52 of, yeah, some people might lose jobs, but also look at how you're going about your job and things. Like, it's hard for me to have as much sympathy for you just based on here and going for it. Then what's the issue? Well, like,

Starting point is 00:28:05 people in general, like every time that you, instead of use, like if you use the AI video creating things and you're taking that away from somebody that is a physical person. Yeah. No, absolutely. I mean, there's costs and, you know, negatives. When we invented the tractor, it took away farm jobs when we invented factories. It took away more manual labor jobs when, you know. Now we've got the AI taking away the white color jobs. Yeah. I mean, it's hard. It's all, it's all, those economic transitions are incredibly difficult. And we have to figure that out. And, you know, our system has at least historically shown a halfway decent point of getting people into different career fields,

Starting point is 00:28:46 but it doesn't mean you get to do what you want forever, right? It's harder to be the person that goes out and just, just bees a manual farmer. You know, we can't really compete. What do you think your financial score is zero to ten? Like a two, maybe? Okay, 210. If you want to know where you stand in the world of finance, take the assessment. It is free at Calebhammer.com or click that link in the description below.

Starting point is 00:29:09 And also, you know, make sure you go to Calebhammer.com slash apply if you want to be on the show. And don't forget to download our budgeting app, dollar-wise, sign up for the annual version. You can take the trial, but sign up for the annual version. I'll send you our cookbook, budget-friendly cookbook signed by me, sent directly to you. Okay. So you've accumulated a lot of debt by doing nothing in life so far. Why have we accumulated all this? practically $25,000 of debt and have done nothing. How?

Starting point is 00:29:41 What have you done? Not just funcies. What does life look like? Well, I've just, I don't know, I've had a lot of make myself feel better spending. Just the endless cope. It's always just the endless cope, man. Copium. Let me tell you.

Starting point is 00:29:58 I mean, you're spending a loan. Let's just check out the categories right now from this most recent month. Miss Lillini's bullshit with 16.3. spending bullshit I didn't even see groceries food was 12%

Starting point is 00:30:12 unknown shopping 19% of course we know we spent 2,000 when we brought in 1700 so that's the percent of the spending

Starting point is 00:30:19 again sucking dog's not going to change that you bring in more money you spend more money that is what's going to happen bring in 3,000 you'll spend 3,500

Starting point is 00:30:30 I mean I hope none you're trying to be better not trying to be better yet you spend more what is you're trying to get What are you talking about? Why does literally everyone in the history of this show, I swear, within this last year say that I'm trying. What do you mean?

Starting point is 00:30:43 I have your most recent months you spent more than you brought in. What the fuck are you talking about? I'm trying to try. I'm trying to budget. What is trying to budget? You budget or you don't? You budget or you don't. I guess I don't budget, but I would like to.

Starting point is 00:30:57 Then why don't you? Because I'm lazy and stupid. Oh, that's a bullshit answer. Come on. Pull deep inside. Why are you? not sitting down and putting in the actual work? I just, I don't know.

Starting point is 00:31:11 I just, I don't. I just have so much other better things to do. So you have no self-reflection in your entire life. So much better things to do with my time. Really? Then to actually fix your life and try to, what do you want to do? Do you have any goals, any aspirations?

Starting point is 00:31:23 I want to buy a house. You want to buy a house? Where at Salt Lake City? Good fucking luck. Do you want to end up in Salt Lake City? Do we want to move? What do we, what do we, because if you have nothing to latch on to, goals, you're not even close to getting to a house.

Starting point is 00:31:35 You're $25,000 negative net worth. I would like to move. Two? Anywhere. Well, I just... Come on. Well, I want to follow the job, so anywhere I can get a better job. I would just...

Starting point is 00:31:47 What job? You said you want to be an artist. What career field are we looking at outside of this? Well, it's not... Well, it wasn't everything. I have like a huge range of things that I would be okay with doing. Lock in something. What?

Starting point is 00:31:59 Just name your number one. As the artist, freelance. Besides that. Yes. An actual job that someone can offer you and pay you money for. Well, I've thought about maybe getting an accountant certification. It's so far off. And listen, I'll give you that from course careers.

Starting point is 00:32:15 But even still, like, if that's, if you're looking at a certification, why be even in college, get an accounting degree at that point? Well, that was my next step after I graduate, was to do the certification. Our next step after graduated is more school. So permanent school forever, living with grammar forever, never accomplish anything in life or ever going further into forever. I hope not. I know people like you.

Starting point is 00:32:35 We all know people like you. We've seen it. It's not a good thing. It's not a good thing. I need to be clear. This isn't something where there are the permanent schoolers. And you probably sit there and cancel people online all day. I know you stuff to piercing.

Starting point is 00:32:47 Listen, this is what you do. You do permanent school forever. I didn't do permanent school. I dropped out for a long time. And now you're back. And we're 26 and we're talking about graduating and going back to school for accounting. Well, how else am I supposed to like get something to move out? See, that's the thing.

Starting point is 00:33:00 You think that is everything. But you think being there in that endless cycle. forever getting the next degree and getting the next degree, never actually starting our adult life career moving on. Look where you are. You're negative 25,000. I'll make that a positive 25,000. How? Well, we already know your strategy, and I don't think that's... All right, financial audit community. We're going to come together right now, and we're going to do a little bit of self-reflection and confessing on my behalf. The last couple years, I've been launching educational programs each quarter or so. And then we also launched our budgeting app. And tens of thousands of people have

Starting point is 00:33:36 taken these programs and more than tens of thousands of people have downloaded the budgeting app. The fact is, as someone who wanted to go to college to educate people, I love working with professionals in making these programs that actually change people's lives. But the confession and realization is the more and more we make and the more and more I want to make to educate people on certain topics, the more expensive it's all getting. So I sat down with my team a few months ago and we started brainstorming a solution on this. We decided to rebrand kind of everything we're working on for the future, and we've brought it all in as dollar-wise.

Starting point is 00:34:09 You got the budgeting app version, and then you got the education version. And what we're doing right now is bundling it all together for literally 80% off, that is 8-0% off, and we're calling it dollar-wise central. You get all of our educational programs that we've made and the premium version of our budgeting app all for one singular price. Again, it's literally 80% off at dollarwise.com. Those links are also in the description below.

Starting point is 00:34:35 Tens of thousands of people have changed their lives. You can too. And now for a lot cheaper, go to dollarwise.com. I mean, objectively, it is not a healthy way to do it. Don't give me wrong. Women have made millions off the OF. I don't necessarily know. Listen, you, again, I only wanted to do the feet picks as a supplement.

Starting point is 00:34:52 I would never, I don't know what I would talk about sugar daddy is a natural transition. It is a natural transition. No, I don't believe that because there are people that have boundaries. And you can put a boundary for yourself and be like, I will only ever sell feet. And you can follow that boundary. I don't believe that it's a pipeline that if you start it, you're going to end up, like, flashing your hoo-ha to everyone. Who-ha? All right.

Starting point is 00:35:14 Really from Mormon, Bill, got it. But the thing is, if we're willing to sleep with people for money, that is where there's a more natural transition. And if there's no boundary for that, selling booze on line. Which I've never done. I've never done any of it. You've met up, you went on the site and you're considering it. So the fact is that is an easy transition. And what I was trying to say is people have made millions.

Starting point is 00:35:37 But I want to be objective and I just want to lay it flat. You have cuteness. You're cute. Well, thank you. The people you'd be competing against. Her hot. Tur. Yeah.

Starting point is 00:35:53 Yes. Yes. Well, thanks for that. Candid compliments. You're cute. You're so cute, but you're not that hot. I did not say so cute. Well, it's not put words in my life.

Starting point is 00:36:05 I said, you are cute. Sorry, you are cute, but you're not that hot. What? You're a six and a half. I'm a five. Let's be honest. Like, come on. Right?

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Starting point is 00:36:42 Please gamble responsibly. Monopoly is a trademark of Hasbro. Hasbro is not a sponsor of this promotion. We can be honest. Especially if you come in here and ask for it. I didn't ask for you to rate me. I didn't ask for you to do that. Rude.

Starting point is 00:36:54 To what you? Rate me. Arate you Well, with where this conversation was going, I didn't know what language. Okay. No, but you come in asking for Sugar Daddy. Yeah. What do you think I'm going to, like, of course I'm going to tell you my objective thoughts on

Starting point is 00:37:11 if you want me to be a client. Again, cute. It's going to be hard to compete. That's all I'm saying. Not that I even want you to do it anyway. Because a lot of people, it's kind of degrading. You get kind of fucked up for that. Well, then help me, and I won't put down that.

Starting point is 00:37:27 tens of millions of dollars and they get to live an amazing life. Help you. Yes. I'm already trying to, though. Because the conversation we're having it is important. The permanent school is not a healthy thing. That doesn't get you anywhere. I don't want to be in school. I do love school, though. That's the problem.

Starting point is 00:37:40 Because you have, again, I, I, I, after four conversations a week for three years, I'm just starting to learn everyone's profile. I can kind of guess the rest of your life. Here's the thing. You're not leaving Grandma's house. You're afraid to interact with you. I will leave Grandma's house.

Starting point is 00:37:56 Yeah, but you have. But I will. Okay, sure, but you haven't. I'm saying you live with grandma at 26. You work basically what is considered minimum wage in that town. And you are in permanent school. You're afraid to put your art out there. You drop out, go back, drop out, go back.

Starting point is 00:38:11 Can I get a second degree, cancel people online all day. I know people like you. You are that person that is afraid to go out of their little bubble and you'll never do it because it's scary. No, I am afraid and I am scared, but I am getting better about it. And I'm growing and I'm getting better. Maybe some social things, but you in terms of your career and life, that is what I'm saying is dangerous. And you're saying, hey, I got. You're saying, help me.

Starting point is 00:38:37 So I won't have to do that. What I am trying to say and what is the helpful advice probably more than we're going to get out of anything in this conversation, your endless loop of school and being coddled by grandma and not actually going out there, putting your art on display, not actually going out there trying to have a career, not actually going out there trying to be an adult for the first time of your life is what is actually, holding you back, okay? Sucking bick isn't what's going to save your life. You actually need to go out there and get done. You can accomplish a lot of stuff.

Starting point is 00:39:06 Lindsay wants to know, do you understand how much marketing goes into selling feet picks? I do, actually. I looked into it a little bit. And I was, I just, yeah, I felt really weird doing it. I started taking pictures of my feet, but then I could never actually upload it. You couldn't upload them? No, because it was, I just, it was weird. What's weird?

Starting point is 00:39:25 I don't know. Well, I was with somebody with a foot fetish, so it's not weird. Ladies and gentlemen, here it is. Not for free, Caleb. That's it. That's it. There you go. It wasn't very scary, I'll be honest.

Starting point is 00:39:43 You have any idea how many people are going to goon to that now? You just gave the internet, like, kryptonite for you. Good. Oh, my God. Keep your screens clean, ladies and gentlemen. That's all I request. I don't get it in the keyboards. They also would like to know, are the feet ugly?

Starting point is 00:40:00 No, I have actually told my aunt told me I could be a foot model, which is a weird thing to say to someone. But yeah, I have very cute feet. Is she just staring at your feet? No, I was just barefoot. And she was like over at my house and she was like, oh, you have cute feet. You can be a foot model. You have a weird relationship with your family and you're just a little weird.

Starting point is 00:40:20 Okay, Amazon Chase card. Let's get into the finances. No, no. What the fuck are we talking about? You owe $1,487. $0.54. With a minimum monthly payment due of $40. Purchasing $340.

Starting point is 00:40:36 Why? $32 and 39 cents of interest accrued. Why? Probably for fensies. I actually, I don't remember. Pull up your fucking Amazon account. It takes six years to pay off. Congratulations.

Starting point is 00:40:52 Yeah, minimum monthly payments only without doing any purchases of which, by the way, you're incapable of. Hold on. It only goes back like three months. Oh, I did get the... Oh, you have a wish list. A wishless for the sugar daddies.

Starting point is 00:41:07 Oh, my fuck. Okay, let me see it. Oh, my gosh. What are you? You are such a fucking creature. You seem so innocent. And then, of course, you have your like borderline demonic piercings.

Starting point is 00:41:18 But then you... Demonic. But then you're out there trying to fucking... Glizz it up. You have to scroll back up. What? For your sugar daddy? witches? Yeah, for the list.

Starting point is 00:41:30 Yeah, but you see Prime Day is coming up. And I'm very excited for that. I guess. You better find one soon because I don't know how the fuck you're going to afford this. Yeah, Star Wars Complete Nine movie collection. If you opened with that, I may have

Starting point is 00:41:46 said yes. That's what the girlfriend and I are doing right now. We're binging all the Star Wars movies. Nice. 30 days of night. Yeah. It's a really good movie. woman. All right. We don't need

Starting point is 00:42:00 commentary on everything. Dula quick dry cargo pants. That's for work. I work outside at night. Wide rim bucket hat. UV production. You are very white,

Starting point is 00:42:13 but also you're in Utah, so I don't really know. Woman's craps, a sweater, V neck. Is that what you're wearing right now? I can't tell. Okay, so you already bought

Starting point is 00:42:21 the thing that's on your, okay. Woman's cotton, linen, maxi dress, Japanese art style for women. in your cart right now is a rest keyboard cloud. Are you a gamer?

Starting point is 00:42:34 Yeah, I have a PC. That's another reason you're not going out. And I love little gameys, but it's like, come on, you're just locking yourself inside. Yeah. I'm not right now, though. I came all the way to Texas. Okay, congrats. You went outside one day for the last year and a half.

Starting point is 00:42:50 Come on, cooling towels. Stop bringing up the fact that you're here. It's like, okay, I know you're here. Yay, you made it. You opened the door. lots of travel things portable speakers women's lots of clothing and

Starting point is 00:43:04 cat water fountain filters and stained glass and folders and nose ring hoops screen protectors watch crayans and

Starting point is 00:43:19 lots of roller skates yeah I recently took that up it's fun I feel like you're going to try the sugar day you think it's going to fail, and then you're just going to be a Discord girlfriend. Be someone's Discord kitten. What is that? It's so weird.

Starting point is 00:43:34 You have this innocent vibe, and then again, a little bit of a creature look, and then you just say the most wild things. I mean, I'm probably, I mean, I was kind of raised by the internet. I'm kind of, I might look innocent. I'm definitely a certified gooner. I'm glad the toys are getting a workout. Yeah, I forgot that was on my list. Was that on your wish list? Did I miss it?

Starting point is 00:43:52 Oh, I thought that's what you were talking. Never mind. You didn't see the poise on there. Good. Why don't you just find someone? If you want a boyfriend, find someone. Someone that isn't paying you to be with you. That's difficult.

Starting point is 00:44:05 People are hard. Are you on the apps? Yeah, I pinch. We will review them in the post show, ladies and gentlemen. We will bring in Goner and Chief, Brandon. You know him from being the translator. Or my co-host of Fat and Fatter, our new show. You have a new show?

Starting point is 00:44:20 Yeah, it's in the Hammer Elite membership. That's fun. Yeah, Monday, Wednesday, Friday. Two hours after financial audit uploads. Every single thing. Starting on the 30th of this month. I don't know when this video goes up. I've never used, like, I've never done the Patreon thing, but I thought about buying yours.

Starting point is 00:44:36 Don't do it on YouTube membership. We have the second largest on the platform. Yeah. And the platform has told us it's the best on the platform. That's because it is. Because it's awesome. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. 26.49% interest rate.

Starting point is 00:44:51 Yeah. I recently went and looked at that. Do not bite your lip at me again after this conversation. That makes me feel weird. Sorry. You can bite your life at Brandon later. Not me. Mountain America.

Starting point is 00:45:06 What is going on with this? So, for a really long time, I didn't really know, like, how checking and savings, like, how you're supposed to do that. So I kind of, yeah. I just did what I thought was right. What did you think was right? That wasn't an answer. What the fuck are you talking about? So I

Starting point is 00:45:27 I pretty much So I was putting everything on credit cards Because I Okay so when I was 16 I bought something with my card My checking account got cleared No my debit card I was going to say okay And it got my account got wiped

Starting point is 00:45:44 So after that I started just putting all my money And savings and switching it over to checking When I need to buy something But then when I got a credit card I stopped doing that and I just started buying everything on my credit card instead, and I pretty much never used my checking account. How long have we been doing that? Like, four years up until like a few months ago.

Starting point is 00:46:08 Maybe. I still have a habit of, well, my card actually stopped working. My debit card. When you say you're trying, that is not trying then. Trying is we're stopping something that is not working and trying to implement something else. That is not trying. It's trying for me. So you're just a failure in every instance of life?

Starting point is 00:46:30 No. You don't have to be, though. I'm just so confused by you. Do you want to get out? How long have you wanted to not live with grandma? Since 18. What? You've done nothing.

Starting point is 00:46:42 It's been eight years. It's been eight years to have accumulated debt and you've done nothing. Have you... What the fuck? Why? How's you guys this relationship? Weird. Really weird.

Starting point is 00:46:52 Tell? Uh, I don't know how much you want to get into. it, but I recently have been learning a lot about like enmeshment and like covert incest. What the fuck? I don't know what you're talking about. You don't know what enmeshment is? No, I'm not on therapy, TikTok, where we self-diagnose everything. I didn't self-diagnose that. I've talked to my therapist about it. She agrees. It's basically where families are like super, it's like when families are too involved with each other. Well, you live with her. You haven't left. and she feels like you leach off of her and she wants you gone.

Starting point is 00:47:32 So, yeah, maybe you're emmeshed. She wants me gone, but she also wants me to like... What is this reverse incest? Is this the reverse cowgirl of the inbred child world? All right, let's be honest. I wasn't sure what to think of this thing when I first saw it. Wearable AI note taker sounded like something out of a sci-fi movie. It's impossible.

Starting point is 00:47:55 But then I tried the plot note pin. And yeah, this thing's actually kind of a game changer. Whether I'm in a meeting, brainstorming content, or just walking around thinking through video ideas, it captures everything. I just hit record, talk, and later you get a full AI summary on the app. On top of that, you can even chat with AI for more creative ideas or work solutions. It's crazy. You can wear it on wristband, clip it, pin it, or as a necklace.

Starting point is 00:48:23 I keep it right here so I don't forget it. It supports 112 languages to English, it has 20 hours of recording time, 40-day standby, and stores everything in the cloud with unlimited space. So you're not stuck deleting files every week like it's 2009. Did you get that memo? And right now, they're throwing in the 2999 magnetic pin and clip for free, plus free cloud storage and their advanced AI starter plan valued at 60 bucks,

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Starting point is 00:50:15 And, of course, go to row.com slash safety. R.O.C.O.C.S. Safety for blackbox warning and full safety information about JLP1 medications. Let's get back to the episode. No, it's basically like where parents kind of like make their children into their partners. She wants you gone. You're just incapable of going and doing something productive in life. Stop being the whining little brat that puts everything on grandma. She doesn't want you there.

Starting point is 00:50:43 I'm not a whiny little brat. She doesn't watch you there. She is very like sabotaging. She doesn't want you there. I don't want to be here. But you are choosing to because you're doing nothing. you're permanently in school forever. You've done nothing to strategically leave.

Starting point is 00:50:58 I'm not about to graduate. And then go back. And then go back. A certification is not like, that's not intensive. Yeah, but you can do that instead of going out and getting something. It's not me going back to school like you keep saying. So she's reverse incesting you.

Starting point is 00:51:11 You guys are touching nips. I don't understand. I'm so confused. I'm also confused and grossed out by this conversation. But if you're going to use the word incest, like what else is my fiction. She wants you gone. How are you saying?

Starting point is 00:51:24 suggesting that she is trying to sabotage you. She literally wants you not there. She packs up your shit and put the boxes on her front porch. That's not what she did. What did she do? She told my uncle if I didn't start packing. She would throw my shit out on the front of the floor. Good!

Starting point is 00:51:39 And then the next day she put boxes in front of my door. Good! Leave! At the time, that wasn't justified in my opinion. Live with a rich Mormon man. Don't do that. But you totally could if you wanted to. Don't do that.

Starting point is 00:51:55 Do you have friends? Not really. A couple. I have people at work that I talk to a little bit, and I've only hung out. The only one I know, I don't, she has a dog and I have cats. Okay, keep them separate. In your room? I'm not confining my cats to a single bedroom.

Starting point is 00:52:15 That's cool. No, that's mean. Sure. Okay, okay. I love my cats. I never do that for it. Yeah, yeah, yeah, yeah. I like pets, too.

Starting point is 00:52:22 I get it. I'm just trying to figure out a solution because you're getting. reverse diddled or whatever. And I don't know. I looked into some like cheaper apartments. And I'm sure you looked into other trauma terms as well. Like a while ago. Okay.

Starting point is 00:52:35 And what do you find? Well, at the time I was making less and I didn't have enough money to like afford it. But now that I've gotten a raise, maybe I can afford it if I get better with my shit. But you're not. So you're just living with grandma forever? I don't. I will not live with her forever. You're 26.

Starting point is 00:52:56 You've wanted to move out since 18. It's been eight years. What the fuck you're talking about? Nothing has changed. Oh, my therapist, what? What does my therapist done this time? What does my therapist done? Tell me.

Starting point is 00:53:06 She wants me to move out like bad. Great. And you've done nothing. You've gone further into debt. And also, I think you might need a new therapist. I actually am thinking about firing her, but not really for that reason. For what reason? She's chronically late to our appointments.

Starting point is 00:53:23 Well, she's also chronically enabling you and just being like, Yes, actually what you're saying is so true. You are so reversed incested right now. God, I wish my therapist actually was like that. It'd be great. Yeah, because you just want someone who just completely affirms everything you're saying. Instead of someone who's actually willing to challenge you and have you go out there and develop any kind of positive coping mechanisms whatsoever.

Starting point is 00:53:52 Yeah. Yeah. No, I don't. I don't. I don't. You don't like the word trying, so I can't keep saying that. Because you're not. I mean, listen, I have your finances in front of me. Like, if you're going to use that word, I would want to see some try. You did nothing positive. I've been better over the last, like, sixest months. If you saw from, like, what it was years ago, it was a lot worse. That's what everyone says. Listen, everyone says that when they come on the show. I don't know.

Starting point is 00:54:24 Maybe everyone says it because it's true. Yeah, but everyone's. That comes on the show or else you wouldn't be on the show. Well, then maybe that's, I don't know. That's like the guess that you bring on. Yes. On a show about financial disasters, we bring on. So you're surprised that they have financial disasters?

Starting point is 00:54:41 No, but I'm surprised that everyone says, I'm doing better. No, you're not. And what sense? One thing that's, I mean, it's really hard here is I want you to get out of the grandma's house. But other than that, we just have no goals and aspirations in life. So I just don't. No, I do have goals. I saved for an elective.

Starting point is 00:54:58 surgery. I, like, I want to get my car paid off as I can. Yeah. Was he like the sir? Yeah. You trans? No. No. Okay. I did have. I convinced myself for a moment there. Okay. For a moment. Uh, no. I'm back in, in the, uh, traditional woman world. I had a bilateral self-injectamine. And he wouldn't know what that was. Nope. Had my Philippine tubes removed. Well, for, you? Poor, poor, poor, poor, okay. Because I don't want kids. Kids are cool. They're not for me.

Starting point is 00:55:30 I don't want them. It's quite a permanent thing to make early on. I've known since I was like 10 years old that I didn't want kids. I've always known. Uh-huh. So I guess we're just getting rid of the period effects? No. That's if you get a hysterectomy.

Starting point is 00:55:45 You have to remove your ovaries. So what is the benefit of what you've done? I don't have to worry every time I have sex. You don't have sex. You're willing to have people pay for it. I had issues in my relationships because I was so scared to have sex that I Make them wrap it up. They did, and I'd still get anxious.

Starting point is 00:56:01 I'd be on birth control and I'd still be anxious. Well, this is you're incapable of existing in this world without being anxious? I guess not. I'm very anxious. Yeah, we know. I mean, okay. And how much was that? Well, they told me it was going to be a lot more, so I tried to save a lot more,

Starting point is 00:56:20 but then it ended up being like... When? How much did you save? How much was it? At the beginning of this year, I had like two or three thousand saved up for it. And then... So you did this all so you could have raw sex and not worry about it?

Starting point is 00:56:38 I mean, yeah, but I don't want to produce a child. That's way more expensive. It's such a big thing as... Not loving your AT&T or T Mobile Bill. Yeah, we've been hearing that a lot. Good news. Bring your AT&T or T Mobile bill to Verizon and we'll give you a better deal. So get away from that unfortunate phone bill and get to Verizon.

Starting point is 00:56:57 Run, ride, canoe. Whatever it takes, we'll be here. Bring your AT&T or T Mobile Bill to a Verizon store today and we'll give you a better deal on the best network. A better deal. No surprises. That's Verizon. Best network based on root 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 who gave me the deal. Additional terms, conditions, and restrictions apply. Like, I get the child thing. I get the child thing. Of course, it's a very permanent decision you've made early on. But whatever, you know, you live your life.

Starting point is 00:57:25 but just out of the fear of 9xia child this is a dramatic and expensive and very invasive decision to have no it's not what do you mean it's just a permanent choice for myself no it's a very big uh it's an expensive version of hey just wear a condom okay i guess yeah that's true but it's because of the anxiety i just didn't like i got that but you work on positive coping mechanisms instead of going to extremes though that's that's that's what we learn in proper therapy if i know for a fact I'm never going to have a kid. Sure. The thing, all I'm trying to say is to play devil's advocate.

Starting point is 00:58:01 And, you know, I'm not, I don't got the fucking eggs. I'm not eating, okay? I'm not popping those guys out. Yeah, you also don't have to be pregnant. Huh? You don't have to be pregnant. I don't have to be pregnant. I'm just all, you know, I'm not fully there.

Starting point is 00:58:12 And that's everyone's excuse online. They're going to be. It's like, Caleb is not a woman. You can never have an opinion. The thing is, just to play devil's advocate. We all have things where we know for a fact that we never or do want to do something in our entire life, and then life happens. So that's all I'm saying is you went to an extreme version

Starting point is 00:58:30 of just working on positive coping mechanisms for what is 99.99% effective in avoiding pregnancy, where we also could add on birth control. We could also add... First control gave me horrible side effects. And I could only do certain types of control. And I know there's lots of downsides to this, painful-wise, but there's the hormonal free IUD.

Starting point is 00:58:48 All I'm saying is there are lots of options that... I chose not to do. And coping mechanisms that you chose not to, but you went an extreme version, which makes you nervous for your life, is you go extreme versions of things instead of working on positive coping mechanisms. And then you get reaffirmed in your therapy. I first Googled the surgery when I was 16. So I've been thinking about the surgery for 10 years.

Starting point is 00:59:08 It wasn't just like a, oh, I want a raw dog, my boyfriend. So I'm going to go get my tubes removed. 10. How much was it? How much did you save? I saved 2 to 3,000 because they told me it would be like $1,000. But then it only ended up being like 1 or 2,000. And how much did you have left over?

Starting point is 00:59:25 Well, my car broke down at the same time, and I got a concussion. So we have no savings. No, I'm not anymore. I did. Oh! What's in your retirement? I think now it's like $2,000. You are in the best decade of your life.

Starting point is 00:59:38 The thing is, if you graduate college, it's the traditional 22, and you start throwing, you know, at least a match in, preferably closer to, like, 10% at least, you know, going into the market. You just set yourself up for success because you have time on your side. You have time on your side. you're losing time. I started out like in the business, like, you know, working with the idea that I would never retire. Like I just always had that in the back of my head. We can't retire just off of blowing dudes

Starting point is 01:00:05 because no offense, but people will be less interested around 35. Yeah. My shelf life, that ball that I hit. Well, I mean, if we're just, if we're just talking reality, what are the, what's the age that people are subscribing to on OF? Oh, I, yeah. Exactly. I mean, I don't know the age, but I'm assuming. I'm assuming it's in the.

Starting point is 01:00:23 20s, yeah. Okay, so in this account, this, so this is a credit card, the amount in America is a credit card? I both. $15 minimum payment. It's not a huge balance. It's $516,095.

Starting point is 01:00:41 And also, the thing is, can I just mention, I know those conversations are weird. This is a weird financial audit, but I've accepted it at this point. I'm a weird person. It's fine. Huh?

Starting point is 01:00:49 I'm a weird person. It's fine. Yes. You literally have a gaping hole in your ear. Yes. Yes. More holes for the daddies to use, I guess. But the thing is...

Starting point is 01:01:03 Be a really small daddy. Hmm? That'd be a really small daddy. The thing is, listen, I am known for the most infamous and absolutely incredible quote. Any hole will do. That... And I am proud of that.

Starting point is 01:01:19 I am proud of that. And I was also another certified gunner. But the thing is, what I was going to... to say since we've already gone off the rails. People have come on the show and they've asked me out earnestly and everything. That flatters me. Someone coming on the show and being like, can you give me money for me to go out with you?

Starting point is 01:01:38 That doesn't flatter me. That hurts my feelings. It hurts my feelings, okay? So you didn't even, I didn't even get flattery out of this. So, fuck you something, bitch. McDonald's, Subway, Subway, McDonald's, Netflix, Subway, Spotify, Steam purchase. This is all bullshit. You're not even putting bills on here

Starting point is 01:02:02 or not putting anything that gets us out of the house. Your wish list is fucking futons for wear for your grandma's living room. Fuck you. This doesn't make any sense. None of this gets you out of the house.

Starting point is 01:02:13 You have a goal eight years to go to get out of the house and yet you're going on here just getting McDonald's and steam purchases. Fuck you. Sit down on your PC all day instead of working more. Fuck you.

Starting point is 01:02:21 You're doing nothing. Stop biting your lip at me. It's weird. You're doing nothing. You're doing nothing to get you to your goal. I'm here. It's not cute. It's not funny. Shut the fuck up.

Starting point is 01:02:33 Shut the fuck up. Oh my gosh. This is fucking crazy. These notes, you're just such a creature. She spent $700 to have electricity added to the basement of her grandma's house. And that's where she just sits in there. She just goons. And she just plays games all day instead of going out, seeing the sun or any...

Starting point is 01:02:51 But why even getting the sun has so you can sit in your grandma's basement? Why did you even invest in your grandma's basement to get electricity down there? You want to move out. That $700 could have gone to a savings account to get a... security deposit down on a place. You make no sense. Your ambitions and you actually think your way out of it is, oh, I'm going to go out there and fucking just,

Starting point is 01:03:13 bo, bo, bo, it's not getting, that's not a good solution. It's not a healthy solution. And you think that's a short cut because you have done nothing in your entire life to actually get you there. You just invest and actually stay in there more. $1,800-hour gaming PC so you can just sit down there. You dug the double monitors.

Starting point is 01:03:31 who went online, got a loan for it. It was too easy. Oh, my God. Well, I had to be, I had to like make myself into a certified DiscordKit, you know. But you didn't have to. You could have got your own place. You could, ew, you could have gotten a studio apartment and rented.

Starting point is 01:03:48 And you could have been good. I did look at the time and I couldn't afford it. Oh, she looked, guys. What an accomplishment. Guys, she went on Zillow. I got afforded for a low income housing and I still couldn't afford it. And you honestly shouldn't even because that's for people down on the luck. You're not down on your luck.

Starting point is 01:04:01 down on you've done nothing. That's why the fuck should we support you? You've done nothing. You've gone further into that via gaming PCs and gooning and you want to suck to get out of money. Why am I giving you a tax refund? Why am I subsidizing your house? Why?

Starting point is 01:04:17 That makes no sense. I work. I employ people. I provide. I would like to. You do nothing. You'd like to, but you've done nothing except for the infinite college hack. I've secretly told my managers I'd like to move up. So I am. secretly told your managers.

Starting point is 01:04:32 No, I recently. Sorry. I'm mixed- okay, and they said they said, they said, look like a normal person first? No, they're, my work,

Starting point is 01:04:39 they don't give it what you look like. I've got people with like, okay. Yeah, well, it's so, Salt Lake is, well, it's actually a very blue city. Okay. It's everywhere else that's like really red

Starting point is 01:04:49 and conservative. Okay, keep going. But, yeah, I told them. And what would that go to, 21 to 23? Depending, so there is a specific job I want, and I think that one's 50,000 a year.

Starting point is 01:05:00 But, It wouldn't make sense to promote you, though, because one, I mean, we know you. You're, no, no, not that part, not that part. Not in any of that. We know where you're at. You're, I'm on summer break. I'm going to be going to school again in the fall and for another year. And then after that, I want to do something else.

Starting point is 01:05:17 So it's like, why would they invest in you? I mean, it's retail. They don't care. It's like if you do the job and you do the, they would rather have someone there that is going to stay around. I've been volunteering to go extra days. They don't get, sure. I've been going about, I'm a hard work.

Starting point is 01:05:30 and I do a lot of my job. Okay, you're working 40 hours a week. Calm down. You, they want to invest in people that will stick there. Huh? I bust my ass. I do a lot at my job.

Starting point is 01:05:40 No, you're trying to take it up the ass to get more money. That is different. Hot. Sorry. All right, she's into the ladies and gentlemen. We've learned.

Starting point is 01:05:50 Okay. That's another good way to avoid pregnancy. I guess. We'll see if that's on our Tinder profile on the post show. I have Tinder, only a pinch.

Starting point is 01:06:03 Okay. Inge is the place. Finges the place. It's just like, you're right. The entry-level jobs, they don't really care of investing in that. You're totally right. But in terms of a $50,000 management position, they're not sending someone to training or training someone up

Starting point is 01:06:20 and putting someone in that position who's not going to be there in three months from now. I don't know that. And also, I would stay there if it was a good enough. Like, if it paid enough, I would stay. I wouldn't, well, I would still probably try to get certifications on the side and still try to get better jobs. But right now I just, I just want to make enough money to move out. Whatever it is, if I have to move up.

Starting point is 01:06:39 I think Lindsay has just typed me the least surprising note I've ever read on the entire history of financial audit. And she's by. Oh, yeah. Yeah. Isn't that a theme on your show? Who would have thought? Dude, every woman I've gone on dates with in the last few years are in bisexual. Women are hot.

Starting point is 01:06:57 Agreed? Cities are good. Well, I do like the women part. I don't know. But somehow conveniently, they always end up with guys. It is true, right? At least the ones that I know in my life. I have a theory for that, though.

Starting point is 01:07:14 Have you ever dated a woman? Yes, I've been with women. Been with a woman. Yeah. Yes, I've been with a woman. I have had sexual intercourse with the woman. I've been with a woman. I've dated a woman.

Starting point is 01:07:23 Is that intercourse? Is that intercourse? Are you saying? I said dated. I said dated. Yeah. Well, I said both. I've done everything. Oh, okay. I've been with men and women. All right, calm down. It's not a fucking accusation.

Starting point is 01:07:35 My gosh. Just asking. No, but my theory about that is, is like the compet. Like when you're like our... Did you just say to me? Compulsory heteron heteronorovivity. Oh, here we go. Let's label her. Yeah. What are we labeling today? Well, it's the whole like straight people or gay people have to be straight

Starting point is 01:07:55 or else they could be ostracized from their community or society or friends or whatever. Doesn't everyone support gay people these days? No. Dude, I'm from Utah, dude. Yeah, but you're from Salt Lake, dude. Dude. You just said. I haven't always lived in Salt Lake.

Starting point is 01:08:08 I've lived all over Utah. Why? Well, I went to Cedar City for us to you. Fruit. Okay, I get it. I get it. I get it. But it is, okay.

Starting point is 01:08:22 Sure. It's easier to be with someone of the opposite sex than it is to be with someone of the opposite sex than it is to be a someone of the same sex. So I think most people just choose that because it's easier. It is, but you could also just move to Austin, be the biggest gay person you've ever been, and you'll just get high-fives. Well, give me a job and I'll move to Austin. No, fuck off. I'm not paying you for nut and I'm not paying you for work either because you only know how to

Starting point is 01:08:42 drive forklis. And I'm great at both. Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple weeks back, I stumbled upon the social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. They end up to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social meaning you can follow exactly what I'm investing in and you can check out my portfolio in real time and even discuss. strategies with me and other investors. There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown,

Starting point is 01:09:44 investing tips, and even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below, join me on Blossom, and let's grow our money together. Seriously, right now you can actually see what my portfolio looks like today. What do you prefer, men or women? A woman. Really? So, but you will let men pay?

Starting point is 01:10:06 Okay. I'd let a woman pay. Yeah, they're probably just, that's less frequent, I assume. The likelihood of a gay sugar mama is probably insane. You probably have an old, an old queen, right? Well, that's your name, gay man. Yeah, if I want some dusty, f***er. Yeah.

Starting point is 01:10:25 Clean it up. Get in there. Vacuum. that shit. Okay, it's at a 13.24% interest, right? It's not huge. Chlorna. What, what's this Klarna? What are we doing? So, there's a Halsey concert in a... I don't know what that is. Is that a lesbian thing? You don't know who Halsey is? I know who's your. She's a singer. She's amazing. She's a lesbian singer? She's goodbye, but she's engaged to a man. So you're a theory. Right. And she's also, it's weird. She's never publicly been with

Starting point is 01:10:58 the woman, but she's buying. Well, I'm glad we know this information about Halsey. Who's Halsey? I know Halsey from Halo. She's, I don't know, like the boy back home in Michigan. Taste like Jack and kissing him. I'm from Michigan. I don't know what you're talking about.

Starting point is 01:11:17 Well, then, I don't know. Okay, so you clarinet tickets to a lesbian? Yes. Okay. So I can watch a lesbian perform and fan girl over her. And did you? What do you mean? No, it's coming up. It's not happening yet.

Starting point is 01:11:29 You're going to spend more money because transportation, you're probably going to get food. Going alone? Probably. Probably. There's an option to not. That I have a friend that way maybe be able to go. Friend? Can you live with this friend?

Starting point is 01:11:41 No, she's the one I talked about earlier. It has the dog. And how much were the tickets that you bought the ticket? You just bought one? I don't remember how much it was. But you just bought one. Well, you owe $467 and 95 cents on Klarna. It's a pit ticket.

Starting point is 01:11:58 But you don't have money. You're trying to, this is what is fucking with. me in this conversation. Your entire ambition and goal is to move out with your, what is it, uh, fucking, um, incest, diddle grandma or something? I don't know. It sounds very

Starting point is 01:12:13 raky, but it's not, I guess, I don't know. And your therapist affirmed I don't know. We all have that dream trip. We've been wishing we could go on. But too often life or usually price gets in the way. That's why price line is here to help you turn your dream trip

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Starting point is 01:12:48 A mesh. No, mesh me? Listen, all I'm saying, if that's our goal, we're not going to a concert. What's more important? A concert to moving out with grandma? Because these are the things we have to cut back on to get the... No, no, no, no. I said, what's more?

Starting point is 01:13:01 They might both be important. What's more important? Long term moving out. Then this is what is preventing you because every single month you are going to find the little thing that you want to spoil yourself with, cope yourself with, do all this. And then you put yourself to that desperate point that we were talking about in this conversation. You have to actually make a choice. In the end, do we choose living an independent life or do we choose Halsey? How about Halsey for now?

Starting point is 01:13:26 No, because this is what's preventing. Look at it and your debt's getting worse because you're spending more than you make. If we do that forever, there is no moving out with grandma. How do you do it if your debt gets so substantially larger, your minimum payments are so chunky that you can no longer afford any kind of rents, even the cheapest, even subsidize. I don't know. Be homeless.

Starting point is 01:13:44 It's not cute. I trust me, I don't want to be homeless. I almost was for a second. It scared me. Why? Because your grandmums kicked you out because you're just a stay-at-home forever child. Pretty much. But I don't want to be.

Starting point is 01:13:58 I want to grow up. I want to be a full-witch human. You know what a grown-up would do? Not going to Halsey over actually living their life. That's what a grown-up would do. She never comes to Utah. Why would she? Because it sucks.

Starting point is 01:14:10 Exactly. No one of good ever comes to Utah. Exactly. Which travel is in to Utah. Imagine dragons, right? So, right? At that point. So is country singers.

Starting point is 01:14:21 An adult would choose. Also you can travel eventually. Listen, and you don't even want to live in Utah. You have so much life to live. You're just not allowing yourself to get there. Because you're not willing to sacrifice anything. And this is just one example of many so far. But it's Halsey.

Starting point is 01:14:38 Is what concerns me. You want to date. You want to be with someone. You're not willing to go on dates. You're actually considering fucking putting yourself out there in a monetary, bodily way. You are not able to leave your grandma's house. You are choosing challenges of choices over that. You are in an infinite loop of college.

Starting point is 01:14:55 You have done nothing but drop out, go back, drop out, go back. You won't even put your art out there, which is literally the only point of art. and you were bragging about how the fact that you came here on this show is your first like, oh, my life isn't entirely fixed. I don't know. This seems like you're never going anywhere. I am. I quite literally am. You say that I'm like going in and out of school, but I'm about to graduate.

Starting point is 01:15:18 In a year. Well, it's technically one semester. Look what you've done. Your goal for the last eight years has not been accomplished. In fact, you're further from it than ever. And you're graduating with a degree that's not going to be. to get you into any kind of field. I'm hoping that it was more of a resume booster

Starting point is 01:15:35 than getting into a specific year. It certainly was in a hotter job market. Now it's more specialized. And you do not have a specialized degree for something that is hiring. That's why I was also going to do the accountant thing because I know that helps. That certainly helps.

Starting point is 01:15:49 So it's like a very... But you are spending time and money and opportunity cost on something that is not going to get you into anything. I've... Like for school, paying for it? Because I'm not paying for it. Okay, it is opportunity costs.

Starting point is 01:16:01 all that time you're spending there instead of going out and building a career. I mean, I'm still learning a lot, though. Like, everything that I've learned so far this year. Great. In photography. I don't give a... I also learned Indesign and I learned Adobe Photoshop and I learned like... You learned Photoshop? Yeah. Welcome to watching five YouTube videos.

Starting point is 01:16:19 This is so easy. We do this here for our job. And we learn it on the fly. I guess I'll just Google it then from now on. Yes. Congratulations. You learned the... used to the internet in 2025.

Starting point is 01:16:35 Yeah, there's more than in Discord on there. What is this? Can you tell me what this is? No, because it's upside down. Oh, that's my Home Depot. I did actually add the... You work there. Why the fuck do you have a Home Depot credit card with a...

Starting point is 01:16:52 What the fuck are you doing? It's so ridiculous. It's so stupid. No, why I got that one was because I was buying a drill from my grandma and the lady at the cash register. And the lady at the cash register was like, if you get a card, you'll get $100 off. So I said yes.

Starting point is 01:17:08 By the way, the corner of balance, I forgot to say it was $467.95, minimum monthly payment, $93. Why don't you then just, your grandma paid you back, right? No. Why buy her things? Like, you know, I don't pay a whole lot of rent. So I buy her things on the same. You just need to buy her, you getting the fuck out. That's what she would care about the most.

Starting point is 01:17:32 She doesn't, why doesn't she want you there? Did we ever say that? What did she said? Well, everything was fine until my sister moved in. Your sister moved in? Yeah. She also a weird emo, lesbian freak? No.

Starting point is 01:17:48 So she's a good Mormon white lady? No. She's 16, 17? Where is she moving from? From my parent, my dad's house. Why are you in this life? And you could totally be out. He didn't even be supporting your sister.

Starting point is 01:18:04 She could be living with you if you want. wanted to. But you're choosing fun over that. You're choosing that over actually taking care of yourself. I don't know. I don't understand why you have an active store card for the store you work at, though. It's just so silly. It's because they literally gave me the hundred colors on. No, I'm going to, I'm going to cancel it soon. Okay, good. Cancel it, but you still have a balance on. It's only $78.29. Minimum monthly payment is $17.53. So I just, they usually buy things that I need like toots. You're not a credit card for...

Starting point is 01:18:39 You don't need anything. Sorting stuff. You don't need anything. What are you sorting? Well, I wanted to sort everything in a tote, so when I move out, it'll be a lot easier. Yeah, when in 30 years, I don't know. When your grandma dies? Like, I don't know.

Starting point is 01:18:51 I hope not. She's 73. She's really healthy. Well... But she's 73. She's not as healthy as she was. Because she's 73. Yeah.

Starting point is 01:19:02 She got heat stroke. That's why those things are in my car. part. So the wide brim hat and the towels are forward for her? Listen, the thing is, it's just like, if she does that, what the fuck do you even do? Because you can't support yourself now. You can't move out even though you want to, huh? Cry. That's not an answer. Listen, it would be sad. It would be, you know, a sad day, yes. What the fuck would you do?

Starting point is 01:19:23 This isn't my game plan and I'm not relying on this. You don't have a game plan other than suck a dick. I don't want this put on the internet. Hold on, we're not talking about it. Okay. I'm sorry. If you can't stay in the show, then, like, we can talk about it afterwards, but this is like, man.

Starting point is 01:19:41 So I just don't understand how you would survive right now. I can't. And I hate it, and it fucking sucks. But I'm trying to do everything I can to. No, you're not. You fucking absolute creature. That is a lie. You're choosing the concert.

Starting point is 01:19:57 You're choosing hundreds of dollars of going out to eat. That is a fucking lie. A lot of that food is for that. And you're lying to yourself is now. helping you. Don't buy her food. Well that's part of like me kind of paying rent is I pay for her food. Did she require it? I mean no. They stop! If you want to get out and she wants you to get out then stop you're lying to yourself. Stop! Stop it! This is ridiculous. Okay what the f f f f is this? Tell me what this is.

Starting point is 01:20:29 Oh that's for my medical bill. One of them. Okay so, Rueenani amount, $390.49.49 with a minimum monthly payment of 130.16. Oh, wait. Okay, yes, that's the most recent. Okay. How long have we had this?

Starting point is 01:20:51 That was from the surgery, so... What? I thought you surgery was paid for. No. Well, the car, remember, my car broke down and I got a concussion, so I missed a bunch of work, and I had to pay, well, I paid to fix my car, and then I had to get any one. because I couldn't afford the rest of the repairs.

Starting point is 01:21:11 Are you okay? And you didn't need to have the surgery yet because you weren't fucking anyway. Well, the surgery was the only part of that that was planned. Yeah, but could you have canceled it if you didn't have the money? I didn't want to wait. Why? You were not fucking you. You haven't f***ed. Because I...

Starting point is 01:21:26 Haven't been on a date in a year and a half. Are you scared to go on a date? A little bit, but no. A year and a half is a long time. I still have talked to people Like I've had other friends in that time That I'm not as close with now I didn't say you didn't have friends

Starting point is 01:21:45 I don't know what are you talking about Well I mean like I still have people I talk to Romantically Well I have hinge I've talked to a few people But you haven't met a human No not yet And we're considering sugar This makes no sense

Starting point is 01:22:00 Oh fuck this car's insane A $20,000 debt in your situation That's a insane. That makes no sense. That makes no mathematical sense. How did they even approve you for this? Just fucking crazy. What is the interest rate on this? It's either 3.6 or 6.3. I can't remember. That's a big difference. Well, I can't remember. It's one of those. Well, one, I would say minimum fee payment until it's paid off. One, we might try to pay extra on it. So it's pretty important. Well, but you probably shouldn't if it's only 3.6. I think it's 3.6.

Starting point is 01:22:34 I remember it being really good. I don't know. Tell me. Really good. How the fuck what I know? Is it not on there? No. Or else I wouldn't have asked, a lady. Sorry. I just assumed it would be on there because that's relevant information.

Starting point is 01:22:47 It sure is. I don't know why you didn't call or go online or figure it out. Listen, we have, what is, it's for a Ford EcoSport? Yeah. Ford EcoSport, Titanium. So you owe $19,968. and 54 cents, the minimum monthly payment of what? 400.

Starting point is 01:23:14 How the fuck would you ever be able to survive? How the fuck would you... Hold on, maybe the loan part is at the bottom of the statement or something. I'm able to see more. It's at 5.74%. So neither of what you just said was correct. So I... No, that makes no sense.

Starting point is 01:23:38 I don't know how I got that so wrong. Neither do I And it's $450 a month Okay It's supposed to be $400 Not $450 Okay 400 then You're paying 50 extra

Starting point is 01:23:48 It's a weird interest rate Where it's like not great It's not bad But if you're like Taking depreciation and everything With it It's going to It's not competing

Starting point is 01:24:01 With the market It's estimated to be around $11,000 value So you're underwater by $8,000 Which is insane There's no way to get out of this For you at that point When I left, I felt a little bit scammed from the dealership.

Starting point is 01:24:15 Yeah, no shit. Why'd you get it then? Because I really needed a car. Why'd you need that car? It was, so I looked on one at Carvana, and I looked at a Ford Eco Sport, and then I found out Carvana is kind of a scam also. It's not great. I mean, there's no negotiation, there's no nothing, it's all f***.

Starting point is 01:24:32 Yeah. This is high-price bullshit. So I went to a dealership, looked at a car, and it wasn't exactly what I wanted, but I found that car at a different dealership. And because it was already kind of what I was going to buy on Carvana, I ended up getting that one. How can you, this makes no sense. This car payment alone, you don't even have rent,

Starting point is 01:24:51 is through your summer paycheck, 24% of your income. That's your summer. That's your higher paycheck. That makes no sense. It's a really nice car, though. Shut the fuck up. Checking. If you have time to camp,

Starting point is 01:25:07 you should be fucking working in being able to live on your own. Or if you can go camping in it, go live in that. I almost did actually. I almost bought a trailer from one of my cousins, but he tried to oversell it to me. Your cousin? Oh, my fuck, I hate your family. This makes no sense.

Starting point is 01:25:21 Savings, $97. You do have a CD, a youth CD as a 26-year-old. Yeah, I don't know why they let me do that. I think it's because my... It could have pretty good rate, but, I mean, that money, if it was sitting in the market since the recovery man, who would have made so much more. It doesn't matter.

Starting point is 01:25:38 Venet machine, Venet machine, Venet machine, Venet machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Venom machine, Geneva machine, Geneva machine, Geneva, Venom machine, Geneva, What the fuck are you doing? What a joke! $150 a month on them many machines. Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Vennem machine, Venn machine, Vennem machine, Venn machine, Venn machine, Venn machine, Venn Machine, Fem machine, Fem machine, stuff, huh? You're putting holes in the paper. Good. Fuck you.

Starting point is 01:26:34 Venom machine. Venet machine. Venet machine, venom machine, venom machine, venom machine, venom machine, venom machine, venom machine. You want to move out? No, you don't. No, you absolutely do not. Shut up. What a joke.

Starting point is 01:26:46 Look what you're choosing. What a fucking stupid joke. You have no desire to move out. Well, if people stop stealing my food out of the fridge, I wouldn't have to use a vending machine. Talk to a manager about it. Stop being a cry, baby. Shut up. $400.

Starting point is 01:27:00 here than 1800 in retirement. Shut the fuck up. And the vetting machine charges you a fee every single time you use it. Is this Mountain Dew? Oh, you've a really bad Mountain Dew addiction. A horrible Mountain Dew addiction.

Starting point is 01:27:14 You're so lost. You're already considering going to fucking prostitia at that point, which I wouldn't recommend. It's not cute. It's not good. It is, and it shouldn't even be considered. I would rather you do O-F than that because at least it's just pictures and not something physical. I'm not joking

Starting point is 01:27:32 and I'm not even advocating for that specifically. You're not a credit card person. I wouldn't use a credit card if you. I do the FISCard. It's a debit card that builds credit. And also at that point, I'll also get you connected with Sonder mine. Today we helped a

Starting point is 01:27:48 latte for Sam. Coffee shop get an insurance quote simply and easily and made sure a floral delivery van was able to make someone's day. We're the Hartford, with decades of experience ensuring millions of unique small businesses. When it comes to your small business insurance, one size absolutely does not fit all.

Starting point is 01:28:12 Get a quote or find an agent today at thehart.com slash small business. Good for therapy. They use it. All the guests use it on the show. You might get a better therapy that doesn't just enable your weirdness and just horrible tendencies. your debt minimum monthly payments are $6.96.22. That's insane. What was it? I was laughing about the thing. $6.96.22, which is 41% of your income. You're never going to be able to move out. You say you're going to move out, it's mathematically impossible. That makes no sense. Your income is $1,700.

Starting point is 01:28:56 Okay. So you pay nothing. and rent utilities or anything, right? I do. What? Well, not right now because of my concussion and everything. It's been paused. A little bit, yeah. Also, Twitter's going to come for you for that.

Starting point is 01:29:11 What? I goon every episode. I throw every slur and degenerate joke and every fucking crazy thing out there. I have an audience that has moved past the weird 2021 pearl clutching, jacking each other off online. The people that will come after me for that are 0.005% of the audience and they have no impact on me, no matter how loud they are.

Starting point is 01:29:32 So, fuck you. I get to have fun and have a good time. We've grown beyond the censorship. Yeah. Okay. I mean, how do you make this math work, honestly? Hey, this is not girl math. That's infantilizing.

Starting point is 01:29:49 Okay. Okay. Not really an answer, but once your rent picks back up, how much is it? well altogether like 300 and when is that meant to stick back up well I'm I don't know I think she just wants me out

Starting point is 01:30:09 so I think she might not want me to pay for it again no she would not like that at all I don't care but okay okay so maybe I'll cross that out for now how much gas a month room drive drive not very much I only fill up

Starting point is 01:30:27 like how much gas a month? How much gas a month? Yeah. Car insurance? I don't go anywhere. I pay every six months and I pay like 600 something. Call it 650, I guess. Yeah, I think it's like 675. We'll budget in $109. Okay, phone bill?

Starting point is 01:30:45 $66 and some change. It's not horrible. TP, phone, anything else you need to survive. $100. Groceries, food, $300. Use the budget-friendly cookbook. You get a copy. Remember, you can get the copy.

Starting point is 01:30:56 Signed by me. because you can't purchase it anywhere else. You just have to sign up for the dollar-wise budgeting app annual version. But go ahead and take your free trial now and give it a test first. Okay. And medical health care. I mean, you're endlessly broken, it seems. So how much?

Starting point is 01:31:12 I don't know. Like. Just copays and stuff. Do you have co-pays and whatnot on a multi-business? I chose the higher insurance. How much? I don't know. Like 50.

Starting point is 01:31:21 Does your higher insurance come through work? Yeah. Okay. So 50 and co-pays. Gotcha. Jim? Yeah, $26. Do you actually use it?

Starting point is 01:31:29 Not as much as I should, but yeah. Okay. $26 subscriptions, I'll give you 15. You have a cat. One. Ages and health? Six and ten. Okay, ten, no.

Starting point is 01:31:42 How about the six-year-old health? Actually, ten-year-old, they don't, there's a lot of insurances that allow up to like 20-year-old cats. So they both have insurance. And so how much? How much? How much? Okay. What about cat food?

Starting point is 01:31:56 60. Anything else that needs to be in your budget that I have not taken an account? I don't think so. Technically, you have wiggle room. $1,560. $0.22. Obviously, our priority is moving the fuck out more than paying off debt, which is a rarity for this. But 1,700.

Starting point is 01:32:19 But that $1,700 is only during summer. So I don't think you have the wiggle room without that. And it's not like I can put in $139 for rent. So it doesn't make sense. So that's not the wiggle room anyway. honestly what I might consider doing for you is to get rid of that $6.96 the best we can, except most of it's actually the fucking car. So it'll only get rid of $2.96.

Starting point is 01:32:43 I was going to suggest maybe bankruptcy after you change your behavior. What can we do? What can we do? You're a complicated case because it's a weird life situation. And no, I honestly really please do not for money. Like, I know, just please don't. But if you do, be safe. That's all I'm saying.

Starting point is 01:33:06 That's all I'm saying. I don't want to end up on Dateline. I agree. 6.96. You know, I've seen your feed this whole time. Are they nice? Yes, they're very nice. Thank you.

Starting point is 01:33:21 I've been seeing one of this table this whole time. Instead of being like, Caleb, pay me, and I'll suck your dick. Shut the fuck up. I, I'm drawing a little blank. sometimes, and this is what's a little weird to you guys out there in the audience. I mean, obviously to you guys, is edited, all this stuff. To us, this is live. We're sitting here.

Starting point is 01:33:45 And my brain is having a brain fart, and that rarely happens in terms of this situation. So what I'm actually going to do is I'm just going to pay for you to sit down with Reed. He's a guy we work with. He's kind of our financial guy in the company. He's also a CPA. So we'll pay for a session for him to break all this down and come up with the solution. Because right now I'm thinking of bankruptcy. but that does. Okay.

Starting point is 01:34:04 What we're trying to achieve is getting you out of the house. But if we get rid of the debt except for the car that only gives us an extra $2.99, that plus the $1.39 you got plus lower income in a couple months isn't going to get us rent. So really, the reality is, what do you need to do? Maybe go through bankruptcy if you change your behavior. Maybe give up your car in a repo and just ignore that. and just go save up $8,000 as quick as you can before moving out, get an 8,000-hour car and cash that you get mechanic-approved multiple mechanics.

Starting point is 01:34:44 There's so much easier than none, but I'm just trying to come together with some kind of picture. You have that, then you go work 70, 80 hours a week, and then you save up enough for a security deposit and maybe even take out some student loans to help cover rent for your last year of college. Like, I don't know. I don't know. It's fucked. It's because you have no wigger room. And if what you're trying to accomplish is what I'm trying to solve for, it's hard. If you're able to stay at home forever, like it's an easier solution. We put this towards the debt. You pay off debt. Then we graduate, you know, but we're trying to get you out of the house immediately. So it's, that's where it's difficult. So the reality is you just need to go work more than you've ever worked in every job you can possibly find and potentially just let all this shit go to collections and just gone and save up $7,000, $8,000 and get kind of a shit car. But one that will be safe.

Starting point is 01:35:38 And that's kind of it. And fuck your credit for a while. But if your true goal is to get out of the house, my answers are always based on the goal of the individual, unless their goals are completely wrong. But I agree with you and your grandma to a certain extent. I don't have to move out immediately, immediately. It's just more of an as soon as I possibly can.

Starting point is 01:35:55 She wants to. And you've been trying to pay your ears and you also want to. Well, yeah. And she might kick you out, right? Not now. Not anymore. I hope not. Okay.

Starting point is 01:36:03 Stay there as long as we can. What I would do then, if our goal is still to move out, we're throwing, if we try to get $8,000 hours, go ahead, bring an extra $1,000 a month by working as much as you can, save up $8,000 as quickly as you can, 10,000 hours as quick as we can. Maybe just let this debt go. Fuck your credit through your mid-30s, whatever. Unfortunate, but maybe you do that and you go get a $10,000 car and cash, but then that's going to be so hard to get an apartment. My credit right now is $7.16.

Starting point is 01:36:31 Yeah, because, I mean, this isn't like, you're not like max out or anything. That's not the thing. I don't think I've ever made a late payment. Again, it's not about that. It's about getting you out of the house. And right now, you do not have the wiggle room. Listen, maybe you can get out of the house and you go bringing an extra thousand hours a month

Starting point is 01:36:45 by working a billion hours. And you use that to pay for it. And we make very slow debt pay off progress. You can do that as well. You can do that as well. So prioritize moving out over... I don't know. Depends where you are in life.

Starting point is 01:36:57 You have to choose. You can prioritize paying off debt. You can prioritize getting a car and go into bankruptcy. You can prioritize and repose. You can, or just through bankruptcy fully. Or you can prioritize moving out. Those are your choices.

Starting point is 01:37:11 It's what you choose to go from here. Okay, let's get your hammer financial score because it's really just from there. This is what you want to do. And then we can prioritize all of them. Yeah. Guys, join us in the poster. We're going to go through a dating app. We're going to also get some more tea that would either get us demonetized or the guestized or the guest.

Starting point is 01:37:34 but go ahead and join and join Hammerleet for a bunch of new shows, thousands of hours extra content, the greatest membership on the history of this platform, and it is the second largest on the platform in just a year's time, so it is definitely worth it. Let's get you your hammer financial score.

Starting point is 01:37:46 Sprinting it a budget. Oh, you have a response to zero out of ten. Debt, the card debt's really bad for your income, so that's going to bring it down, unfortunately, to one out of ten. That's more to income base. Your emergency fund, there was like a thousand, two thousand across everything.

Starting point is 01:38:04 The other CD, I'm not going to consider emergencies. Actually, one out of ten, we'll put that towards retirement, which is also very low with where your income's at. 26. I'm going to give you, I'll be generous, three out of ten. Real estate, zero out of ten. Hammer Financial Score, one out of ten. Make sure to download the Dollar Wise Budget app and join Dollar Wise Central for all of our education. I'll see you guys in the post show. Did you come on here and actually have an attraction towards me? What do you mean? Like, are you attracted to me? Yes. Whoa. So you're open to just fucking.

Starting point is 01:38:40 We will be reviewing your dating profiles. Yeah. These pictures are bad. Pictures are bad? They're horrible. You're using Snapchat filters. We're only one picture in. Come on, two.

Starting point is 01:38:51 I'm going to think you're like 600 pounds. I like Dom and Sub stuff. Oh, you're a freak. I like being dominant. I mean, that's one of my things. Yeah, that's kind of like the whole thing. Inclusive in the description or pin comment below and watch thousands of hours of extra and uncensored content. You can't reason with the son.

Starting point is 01:39:11 Trust us. We've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omnyshade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your summer at Columbia.com to spend more time outside and less time slathering on allolotion. You're welcome. Columbia, engineered for whatever.

Financial Audit - Sugar Baby Demands Money From Me | Financial Audit

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