Financial Audit - What The F*ck Is This? | Financial Audit

Episode Date: February 20, 2026

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check us out on YouTube. I want to be a Disney adult. You're Disney adults? Kind of, yes. Oh! I won't need to get a second job, okay? I can make it work. I have an only pay.

You know you f***. I'm a free... What the f***? 10 and a human f***. So it's both. There it is, ladies gentlemen. I'm a little slut.

I'll admit it. No wonder he left you. Something big is coming. Something that's going to change. Personal. Find the first five. Hi, I'm Roxy. I'm 29.

I'm from Grand Rapids, Michigan. And this is financial audit. It sure is a fellow Michigander coming on down to the much better place of Austin, Texas. Nice to have you. What do you do up in Grand Rapids for a living? Halfway decent town, by the way.

If you have to live in Michigan, Yes, actually. I'm new to the area, but I'm loving it so far, actually. That will go away quickly. Probably the snow is killing me. What do you do for a living there? I'm a general manager for quick service restaurants. Okay. Now, Grand Rapids, not one of the higher places to live in the United States for sure.

So in terms of cost of living, general manager to a restaurant might actually make a halfway decent living there. Is it a chain, big chain? Semi, um. Oh, shit. Okay. Well, can you say it? If you don't want to. Yeah, yeah.

I work for a company called Pliables of Michigan. What? Pliables. That's a restaurant? Yeah. So. Pliables. That's a restaurant?

Yeah. So, well, my store opened up in November. That's why I moved over there. What do you make? I make 58 a year now. Okay, 58 a year. Listen, in Grand Rapids, I mean, you should be doing in the least halfway decent.

Like are you living it up going full rich? No, but $58,000 a year, you're living halfway decent, probably pretty close to the median household income in that area. I'm going to assume it's closer to like 70s to 80. So almost 60 alone, not too bad. What hits your account per paycheck cycle? It hits right around.

And what is that paycheck cycle? It's every two weeks, biweekly, so every other Friday. Okay. What hits? Right around 1800 You said this is new Yeah Well I just got the raise

So I got a three Well how long have you been doing this? You said you moved up over this job That's new Well I got a raise coming out here Out there Because we're not in Grand Rapids by the way Where did you come from

Detroit area Oh okay so it's so similar Okay well that's not even that big Okay so 3,600 a month Right that's what heads our account Here I am yeah How you doing? I feel like

it's good, you know, I just, I probably stick with my spending and bad. I mean, you're not a financial audit, so no, but how is it going in actual, in the real world? I feel like I'm paycheck to paycheck, even though I probably shouldn't be in a reality sense, but I feel like, I would you be? Probably because I have needs that I feel like are needs, but they aren't needs, maybe. Or maybe I'm just too giving? Too giving. Who would you be giving? People in my life, that matter. Okay, that matter. I mean, a lot of people matter. but if you're giving more than when you can't even take care of yourself, that doesn't really make sense,

and you're not really benefiting them long term anyway because you won't be able to give long term because you'll completely destroy your financial life, meaning you can't give. Okay. Okay, so what's going on? What are we talking about? I don't want to own real estate, Caleb.

I want to be a Disney adult, and I want to own a Disney vacation plan. There's no Disney in Grand Rapids, you dumb. I know that. I know that. So I want to just have a, like, like, either apartment or a condo in, like, wherever I live. Like, I'm not picky on where I live.

You're a Disney adult? Kind of, yes. Kind of yes. Well, it sounds like if you want to buy a place in Disney, I think hyper. Yeah, like, I wanted to be my 30th birthday gift, actually. I wanted to be this year is I want to. When's 30? What is that?

April. Oh, for fuck's sake. I mean, that's not a fucking chance. Why didn't you prepare for that then if that was your big 30-year-old dream? Interesting dream, by the way. But if that was your big 30-year-old dream, what the fuck were you doing at 26 to prepare for it? It's a new or 30-year-old dream. My old 30-go dream must be married, and now I'm not going to be that because of certain situations.

Who'd you cheat on? I didn't cheat on anybody, ew. Okay. You've been single forever, I assume. No. No? I'm always in a relationship. I always have people.

What? I always have somebody with me. I currently live with my ex. Wow, that's weird. Well, no way you guys don't get freaky. No. What? You live with your ex and he doesn't stick it in, and you don't require.

to be stuck in. No. No way. That's never happened once since breakup. What? How have you guys been broken up? No way. We broke up a little bit after Christmas.

Oh, that's been a couple of once. We broke up a year ago before and then I moved back in. It's been like two weeks then. Yeah. It'll happen. No. I have zero traction toward that man for so many reasons. Oh.

Well, sounds like a great person to live with that if there's so many reasons. Listen, we're working. We're figuring it out. Figuring it out. Your exes. What are you figuring out? To not be X's? No, figuring out that I need to leave now.

That's why we broke up. After two weeks of living with this guy? Well, no, we've lived together for a year and a half now. You said Christmas. We broke up at Christmas. Oh. Okay. Well, yeah, I understand not moving out that quick then,

because that's been like literally two weeks since the point of filming this episode. Like, actually, I think two weeks today, right? Was that Christmas, I think? Right, right. yours, it was two years, tomorrow. Okay, so, why did you just break up? Because now you have to find a whole new place or he has to find a new place

and then you'd have to take care of that full rent is, that's chunky. What the fuck happened? First of all, you've only been dating a year and a half, you said? So we, or you live together a year and a half. How are you dating?

Three and a half years. Okay, well, that's fair. Fair point to move in. What the fuck happened? You know, we just... Sounds horrendous. You're making it really sound like, all these crazy things happened.

In the end, it was more just like we, We just weren't Pete, we weren't the right person for each other. What the fuck are you talking about that and where? There's so many reasons. So many reasons that we can't talk about right now, Caleb. Post show, post show. Oh, it's going to be one of those. Well, you know, it'll be good if you join Hammer League.

I appreciate that man and I do love you. Excuse me? No, talking to him, he'll watch the show. He watches with me every so often. But I don't want to trash him. He is a good man. He's just not the man for me. That is all.

Well, that's fine. what are you going to do with your living situation then? I know when you applied for the show a month ago, Colton's saying you were considering breaking up with him. It was a consideration, yes. Oh, looks like we followed through with that. So the plan for the show initially was to see how I would be able to be able to live if I did move out.

Now I have to, so now we got to figure it out. And he moved to Grand Rapids a year and a half ago? We moved to Grand Rapids a year of this year. For the job. For the job. And he followed you? Yes. Even though I asked him not to.

And you were also considering breaking up. with him and he just did? It was like, I'm just going to? We were having fights. We were having problems and we just still wanted to work it out. He was very determined. I thought you told him not to, but you wanted to work it out? We were going to just live separately.

Yeah, long distance after years of dating not long distance while we have issues is always going to be successful. I didn't say it was going to end well. Okay, well, I'm being told though, even though you broke up, he doesn't consider you guys broke it up. He doesn't act like it, no. Like even when I left the other day to go somewhere He tried to kiss me and I was like

No Like he tries But I don't reciprocate in any way And I make it clear to him Like I avoid What the fuck is happening in this house? Yeah What are you doing about this living situation lady?

I'm just working a lot so I'm not at home No Well maybe but that's not a long term solution What the fuck you know? I know so that's why So what the fuck is what was in your head What's been in your head? It's been two weeks of breaking up.

You haven't thought of one plan? No, I have been anything about plans. I'm looking at... The plan! I want to find a different place to live. There it is. By when, by how, how long? We have discussed that we're willing to live out the rest of the least, which is until October.

Oh, for... Or... He is living with you like you guys are dating. Kind of, yeah. But I don't want to do that. I do not. I would like to find my own place and be able to be on my own again. Your own place on your own?

But when you had the battle notes called... with Colton the other day in preparation for the show, you're at another man's place, another penis's place. Yeah. Just hanging out, you know? Uh-huh. Just boot-boot-hanging out, bo-boot. I have needs, Caleb.

Sex is sex. I'm a little slut. I'll admit it. Okay. Oh. Uh-oh. Yikes. I'll admit it.

You gotta be happy, Caleb. and sometimes having fun makes me happy. So I went and had fun. And I immediately called Colton after getting railed? No, that happened the night before. We were just hanging out when Colton called me. And how does ex-boyfriend who thinks your current boyfriend that you live with and depend on for rent feel about this?

I don't have a boyfriend. Yes, I'm saying ex-boyfriend who thinks he is your current boyfriend, who you depend on for rent. But does he think about you getting cracked? He doesn't know. He knows now. Okay. And?

Well, let's go in the household of which you depend on rent. It will go fine. How much cracking is happening since Christmas? That was the first one. That was the first crack? Hmm? Yeah, I'm too busy. Okay, literally it happened the night before,

and then you called Colton the next day. We'll still add his place. I don't think that's too busy. Most busy people don't have that kind of flexibility. I had a Sunday off. Okay. Listen, no, no, no, take some full support. We love it.

We love sluts. Be a slut, be a whore. Do what you got to do. We love it. Safe slut. Huh? Safe slut. Well, okay.

I didn't say you were getting AIDS. I'm just saying. You got to be safe about it. Okay. No one was advocating for opposite. What's the... Okay. Are you wearing a blanket?

Yeah, I'm cold. Huh. I've never seen someone wear a blanket in the studio. Pickle's. You're Gen Z, though. I don't even really pick us as much. It was a gift, and I just really appreciate the gifts. so I take it everywhere.

Quirky gensis are becoming the quirky millennials. I don't even think they realize it yet. Probably. But it's happening. Okay, so... Wishing you could be there live for the big game, soaking up the atmosphere in the crowd. But too often, life gets busy.

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or visitpriceline.com. Actual prices may vary limited time offer. You have to find your own place with your portion of rent right now. It is 700. You're not going to find a $700 place. Not in a halfway decent.

It's going to be like a thousand at least, minimum. Minimum. I'm assuming 900. So, well, listen, I bet you should be able to do that with $3,600 a month, but yet you're completely financially, which is why you're on this show.

So I don't think that increase in rent is going to go so well because how are you barely, how are you surviving now if you're barely paying your rent, most likely? Um, and how the fuck are you getting to this Disney dream based on,

with all this? Well, that's what I'm here for, Caleb is so that you... By April, you're a dumb, you're gonna have to, I think that the crackinging that happened a few days ago

reached your brain. No, I just, I think that we will be able to make it happen because I, Caleb, I won't need to get a second job. Okay, I can make it work.

I can make it happen with what I do because I have an only, Okay. Make it happen. No, you don't. Yes. Yes. I have an niche only fan.

What? Is it rubbing your beard to the camera? No. No, don't. Stop. That's not nice. What's the niche? You're right.

I was just thinking of what could be nichey about what you have. No, I sell feet content. I sell my toes. That's not a unique niche. That's like half the internet. It's a niche because I sell not just only human feet. I was curious. First, I looked up Caleb Hammer nude the other day.

Didn't see anything. Grateful for that. That's good. I used to send a lot of nudes back in the day. Oh. Back in college. I probably hold on to them. Yikes.

And I also wouldn't be ashamed if they're out there, whatever. I mean, I'll show it to you right now. But I did look up Caleb Hammer feet and I was on the feet website. They got me. They got me. That's valid. So this isn't like a crazy thing. No, but I'm a free feet.

What the f***? And a human feet. So it's both. I saw both human. What the fuck are we doing? Yeah, Caleb, I'm afraid. Capitalism has gone too far. Maduro become our president.

We need to go full socialist. This capitalism no longer works. And people are paying for this. Yeah, yeah. What are you even looking at? You better not be pulling it up. I will literally flip this table. They asked me to text somebody

and I was just checking to see if they did. They asked you to text someone? They did. Colton did. Okay, okay, okay. I bet we're making a phone call then. I will be waiting for that at some point. Yeah.

Um, good, as long as it's not looking up. What the fuck is a furry feet? Isn't it just taking a picture of a fake foot? So, um, my ex is a furry artist. So he draws the free, a free artist. So he literally still collaborates with you on this. We have talked about the yes. I will still be, um, paying him to do the art, yes.

Well, he looks at you naked. No. So he, he draws it without having to see me because it's all like a furry. so it's just toe bean, so my toes don't look like... How is this you then? Because it's my fursona. I'm a furry. But it's just drawing art without even looking at you.

So how is it you? He drew my fursona. So my furtina... So he knows how she looks naturally. Sure, but it's not you. Why the fuck are you taking a cut? Well, because it's going on my page, and it's also my human feet. So the page is human and furry feet.

All right. Fuck it. Which has the name. We did tits the other day, May we'll go the next level. Titties. Put it up on the table. Let's see it. Oh, no.

No. Wait, my toes? Wipe it out, dude. No. No? No, no free foot content, no. Oh, thank you. No.

Okay, I was advocating for it for the sake of content, but I was hoping you'd say no. No. Trust me. That's why I wore boots. You gave me the right answer. I am not complaining. No, that, no. Knee high boots.

No, don't worry. You don't have to convince me. I'm on board with you not showing us. No, I understand if feed content is not for everybody, and I only. applied to the people who want to... But it's also your feet. It's like I'll look at the Margaret Quali's feet. My feet.

People want to see it. People want to pay to see it. I'll let Margaret Quali piss on my feet. Do it. She can do whatever she wants. She can do whatever she wants. Okay. Okay.

You know what? I am going to show you why not. What? What? Oh, fuck. Come on. You get to see everybody's stuff. Why not my toes?

on stuff what stuff I have seen your show too many times I have seen one pair of boobs I need your toes I got to cut off the ankle because it's my axis but what do you have at the bottom of it? Nothing no you got there's like a hardcore callus happening in the middle

I work hard I work hard I didn't say I have beautiful feet I just have feet that people are willing to see okay and what do you make it from this I have 11 fans and I make $5 a fan and I started about I would say

about like a month ago actually Oh Disney here we come How did those 11 people even find you those Freaks by the way I'm on Instagram, Reddit and X Yeah it's the Redditors Oh 100% yeah Oh it's the f***omreditors

And I actually just made a Snapchat as well So I can make Make what Like there's so pictures on there Like people want to see. Yeah. Oh. Okay.

Nope. Whatever. We don't king shame. We don't king shame. I mean, I do king shame. But we don't king shame. Except I do. But okay.

Well, you're not making life changing money off of that. What is that? $55. Oh, right now, yeah. Before they're cut. Before the platforms cut. A little bit. I don't see how that gets us to.

Okay, first of all. Disney is the person we want living on your property with all the children in the foot whore? just throwing that out. And second, how much is this Disney property cost? So how people get to their goals? I don't care what it is, kind of.

Sometimes. What? I actually did look it up. I went and priced it all out because I knew you would need it. I did. I took the time. I did.

And for the specific one I'd want, it would cost me either $35,000 to $35,250, or... For what? for the vacation plan. That's the price of it. Time share? It's like a time share, kind of.

But like not, Caleb. It's not. It's like not. Timeshares are known for being one of the actual halfway decent better ones. I will say that, but still $35,000 is insane. I've done my research on this one, Caleb. Well, tell me what else it says.

So for that, and which is with the specific points that I think I would need for my solo self, or I can take that price, or it's $400,000. $33 a month for 15 years with a 10% down payment. And then it's only... Why? What the fuck? You work literally... A general manager at a chain restaurant is not a bad job,

but it's also not like the job where you're going to be in Florida every five days. What the fuck? This is expensive. This is insanity expensive, honestly, for what your position is. The points of the vacation plan is because my family, we go to Disney a lot. My mom is... How do you have this time? What is your pay... Huh?

mom. Congratulations. How do you have this time, you dumb? What are you talking about? I take the time off work. Well, there you go. How much time do you, are you allowed to take off work? As long as I have the coverage and I meet my certain amount of hours for my pay period. What is your certain amount of hours for your period period? I make eight, uh, no, it's a hundred. He just increased it from 100 hours a month? A hundred hours a month, a hundred hours every pay period. So every two weeks. So 200. Oh, for sake. How do you take vacations in that? That's insane. That's more than 40 hours a week. Yeah, I'm contracted 50 hours a week in store and then 10 outside for marketing. That's crazy.

How in the world do you then have time for vacation? I make the time. You just don't get paid? No, I do. What? That doesn't make sense. We just took. I had a week's vacation because we get one paid week off a year.

So I saved my week off for that. It's not a good job. It's a newer company because he's franchise. I work for a franchisee. Girl, this is a new company. I understand he... At minimum, the financial audit team gets a month off a year. But we also...

It's four weeks, one a quarter. We make our schedule so that we can take this time. Like, me coming down here, I was able to take two and a half days off and still make my whole, like, I'm working 60 hours still this week. Okay. Even though being here. Okay. I make it work.

Okay. The reason I'm saying... So how much can you spend in Disney a year for this 35,000 hours plus ongoing maintenance bullshit forever? I mean, like a year, the dues are like $1,300. I'm going to die. And then, actually, and then you don't get Disney tickets with that, do you? No, no.

That's true. Ha, ha, ha. So how the fuck are you? What are you? Who is this? Is this him or her? I just got your furry. Oh, yeah.

We're not going to say her name, but yes. She's amazing. I love her. Yeah, no plugs, which I'm also plugging your real name. There it is, ladies and gentlemen. Love her. If that just made you come, please let me know in the comments below so I can shame you.

Working on a full body art soon. Okay. Sure. So how many weeks and you spend at Disney a year of which you would have to pay you to travel for? About a four hour of flight from Michigan, if I'm not mistaken, three to four. So that plus tickets plus food plus me and its fees. What the fuck are we even talking about? This is insane for your type of position.

No offense to that type of position. it is not necessarily bad, but with one paid vacation a year, what the fuck are we doing? What the fuck are we doing? How much time can you actually spend down there a year? I don't want to actually go every single year. What the f you're spending $35,000 plus these endless maintenance fees to not go every single year?

The points stack up and move over to the next year. So my plan is that I'll have this for every year and I'll save up the fuck. How about you just go to Disney every other year? That's the point. Yeah. No, without this dumb. Stupid ass. Because this vacation plan

lets me travel to any of the Disney vacation properties as long as they have availability in that resort I want to go to. Pay for that individually. But I'd rather have a place to just do it at. And like this is like my retirement investment.

Investment. What are you talking about? Investment. You don't know what the word investment means. You're talking about investment. This isn't an investment. Do you have investment? You're almost 30. Girl, you're acting like you're five. What are you doing? on. This is my retirement business. This is what I want to look forward to to to sit down and actually look forward to in my life. Like look to do each time. Like this is like people take time to go do, go out and travel all these places. I want to do that. I'm going to best the YouTubers.

You said this place was steps from the water. We just haven't found the steps yet. How much did we save? Enough. Enough to get lost. Or you could book a stay with Hilton. Welcome to your ocean front room. Just steps from the water. The Hilton sale is on now. Book on Hilton.com or the Hilton app and save up to 20% to get the stay you expected.

When you want savings, not surprises. It matters where you stay. Hilton, for the stay. Out there, Papa Got and his wife are big Disney adults. And I love them for that. That's great. I also, I mean, I like Disney. I watch Disney, whatever.

And I would love to go again. they wouldn't do some dumb shit like this and they go like every year just go pay for the ticket pay for the travel and go instead of being locked in forever this subject matter can be hard to digest but for most Americans

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subs.g or click that link in the description below. Type in code Caleb. I could sell it if I ever don't want it, but I love Disney and my family loves Disney so much. I truly see that I will always go. Yeah, except you're saying you won't even go every year. I may not go every single year right now because I can't afford it. That is the point. At some point, I may want to go every single year.

So when you don't have enough money to go, how do you go? Because there's no way you have enough money to go because this completely across the board. Bullshit. In fact, I'm being told Mommy covers you a lot of the time and that, you're not. You say you'll pay Mommy back. Yes. I have a... So you lied.

None of the... You're a liar. No. You said you don't just go, but you do just go. Your mother pays for it. If my mom wants us all to go as a family, she will pay for us to go. How frequent is that? Every couple years.

Yeah, but you owe her back? No. So I'll... Why do I have a note when you do not have enough, Mommy pays for it, and you have to pay her back? On the credit card. So if we go on the trip and... This last trip we went on, she has a credit card for me that I'm allowed to use on any purchases that I either need.

typically it's for emergencies when I'm at home actually. Like, you know, anything emergency-wise I just desperately need in a moment, which, you know, I love her for that and I pay her back immediately for. But- Why are you in that position? Because I'm fucked up my finances. How? Because I was stupid in my 20s and just wanted to-

Stupid. Don't, fuck you. You're almost 30. What do you mean stupid in your 20s? You mean right now. I mean, clear. But then you shouldn't be struggling to pay for a utility payment right now. Well, not utilities.

So she- Something as general as that shouldn't be the concern right now from a little bit of messing around and spending some money in your early 20s. What are you talking about? Yes. Yes. Okay. She has the cards.

She has one for all of us, all of our kids. I have two other siblings. She has one for all of us just for security so that we know, she knows if we ever need anything, it's there. I don't use it unless I actually need it. On the trip to Disney this year, she told me that if I ran out of money and I was going to feel like I was going to have less of a fun time there to use the card. So she's the queen of enablement for her.

her child daughter. Dude, you're almost 30. You're literally acting like you're seven. What the fuck is this? And it's disgusting that she enables this. This is crazy. What? No wonder he left you.

I left him. Hello? I know. I just can't believe it. Blows my mind. She should see him. I met him. He was living under his mom's roof paying $200 a month.

Yeah, you're both great. Okay? You're both great. What the fuck I'm talking about? Listen. Out of all, out of all my mom's kids, I would say I'm a better one. A better one?

I am the better one. Well, that means she's a complete failure of a mother. I love my mom and she's not like that. No, I'm sure you love her and I'm sure she's a nice person in general, but it sounds like a failure of a mother. If the literal woman child is the best one, the fuck are we talking about? I think just all of us kids have just made different decisions. Yeah, and being enabled by mom, no?

I think we should call your mom. No. She is meetings all day long. Oh, convenient. She does. She works really busy on Wednesdays, and she's going into her busy season for work, so she has to. She does. Mm-hmm. Yeah, it's her only day in office.

She usually works for her home. Great. What a day for you to come down. She's obviously completely enabling you and the whole kids. I mean, you say that, like, why he left me. I mean, in a reality since I loved him being cheated on me. Like, he cheated on me. Like, I didn't trust him. He was a man-child.

He cheated. Oh, yeah. How'd you find out? I found it through his phone. What did you do? He was sexually messaging another female online. Okay, why do you say that like an insult? Sexually messaging another female online.

Because I don't like it. I hate cheating. I hate cheating so much. I don't like cheating either. Sexually messaging another female online. Okay, I have to say it like that because he has told people that all he did was flirt with somebody. And that is not what happened. No, he was specifically sending sexual content.

He sent cock. Cockies and ballsies? No. What other sexual content is there for... We can discuss more in the post show. That's a little bit of it. Why can't say it, you fucking shit, dude? Because iOS 7 is cheated.

You asked, what do you mean? Oh my gosh. Okay, the ultimate post show teaser this episode is... I know. Sorry. I get it. Some people want to save some privacy stuff for the post show. So make sure you click that join button,

join Hammer Elite, the best membership on YouTube, number one. So why didn't you just at least just leave him... Earlier, why did you wait until he moved around the country for you? State. Sorry. Because when we were together and when I found out he was cheating on me, I was 450 pounds. I know. How fat are you now? I am, uh, weighted myself before I left. It's 165. Hold on. How, how, how fat were you? Uh, 450 is what that at the time of mind. When was that? Um, my first appointment that said that was April 2023. Oh, good. That's crazy. Show me.

Show me. We all have to see this. Throw the picture up on screen. That's crazy. Listen, that is a little bit of encouragement that... Oh, yeah, you were a fat... Yeah. Oh, yeah.

My whole life. Oh, and I say it all the time. Look at this. That's horrendous. In fact, I would say disgusting. Yeah, no, 100%. I was disgusting. Because you know, that was stinky.

No, 100%. I was gross. This was stinky. I will full admit, like, I was disgusting. I wouldn't have... I was disgusting. I hated my life. Hopefully there's nothing else in there.

I just swept to the full photo album. Probably nothing at you. Now that we know you're gooning. I've got to be careful. Yeah, yeah, yeah. I wouldn't have guessed in the 400 seeing that, but geez, that is crazy. Yeah, you bulked up.

You were hanging like 10 heads down here. Yeah, I was really big. That shows that there is potential behavior change you're able to implement. I don't understand why you haven't done it for your finances. If you have this big Disney dream, I feel like not getting, I feel like getting extra income.

come through, you know, pissing on your feet or whatever on camera isn't what's going to be what changes your life. I feel like implementing the same behavior changes that you did with your diet and whatnot. With your finances, similar, I know it's not going to translate one to one, but implementing something similar is what gets you to your goal. Why haven't you done that? It's one step at a time with me. I can't, I can't do a lot of things all the ones. Sure, but you're not longer fat. When have you not been fat? Um, I would say I probably got this. Because you didn't just all of a sudden like snap and you were there this month. No, I mean, I, I, So I had the surgery in November, 2023.

Oh, you did gastric bypass? I had a bariatric sleeve. Yeah, sure. Good. Yeah, that's the O-Z-O-Zempic. Yeah, kind of, yes. G-O-Zempic, yeah. Pretty much.

Yeah, I did change my whole lifestyle, but for me to handle doing two separate things like that at the same time. Well, when does that first one end so the second one can start? No, we're going to start now. Now? But you weren't just all of a sudden from fat to not fat in like a... It's been a progression. But then I've been working a lot

and which has been helped. The weight loss, which has been great for me. I'm sure, and you work at a healthy place that sounds like as well. Amazing. Highly recommend.

No. Yes. Asiago bowls? I'm okay. Asaii. Yeah, one of those. I don't need that shit. Very good for you.

Well, what the fucking is an Asiago? Asaii. It's a Brazilian berry. Oh! It's really good. Give me my freedom. I want blueberries.

I want, strawberries. We have those too. I want apples. Your Brazilian berries. I have a I have a... I have a... I have red, white and blueberries. Thank you very much. Thank you very much. So, is your ex going to be able to pay his bills when you leave? He seems

very dependent on you or you dependent on him. What does he do? He's a warehouse simply for a... Um, A.Fat company. But he draws the, the, the furry content as well. Does he make money off of that? He's trying to. He just got into. I've been trying to get him to do it for a long time. Like,

last, not this last yearns. Is he into furism? Yeah, that he's the one who got me into it. Oh, he got you into it. Yeah. Great. Okay, well, you're not making off all this extra stuff.

So I don't wonder, why are you putting your energy towards that where you could be more productive and just go get a second job or something? Which I don't even, I don't even think you have the hours for, I'll be honest. But really, is that what you want to be known for?

Prostit self online? It's all on a separate persona and a separate life. I know, but it is still you. I don't care. I don't care. It's not like I'm showing a face or mess. But why don't you go do.

do something more productive with your time and make more money because you're not doing well. I'm also not very like pushed toward it. Yeah, but 55 bucks a month. Like is that even worth it? Not right now, but I see that it threw time through actual, because it's newer. So, you know, it's not going to blow up instantly. I got to take the time to put in the marketing and the effort to be able to push it out there. So that's why I made the Reddit and the X and the Snapchat so I can start pushing it more. So it does brain. Oh, you got a message today asking for you to step on a cake. Yes. They asked me to bake a cake. cake for them, like, videotaping me, making the cake in my hands.

But that's going to cost more than, like, half your monthly subscription is just to bake a cake. I have cake stuff at home I bake all the time, so it wouldn't, it wouldn't be anything on me. Oh, is that good for you? Oh, I do, like, gluten-free and healthy stuff, or I'll take it to my work and my teenagers that work love it. Teenagers? I manage a... You have kids? No.

No, just for children. But you just got cracked last week. Yeah. Could happen soon. But in Michigan, you can get rid of it, so... Safety. Again. Yeah, we'll see how long you do that, though. How many times do people hook up with each other

and tell a sudden that condom is no longer there? Well, I don't think I'll be seeing that one again. Why? Because you have an issue with every man, because it's always their fault? No, I just didn't enjoy it, and so I just won't go again. Yet you stayed the night and the whole next day. Yeah.

He's a nice person. I just didn't enjoy what I went there for. Okay. Oh, wow. The ex hasn't even told his parents that they broke up. I don't think so. So he keeps telling me, he told his mom, but... Your hookup was three hours away.

This is that... Crazy. What the f***ing? We're driving three hours to... What are we doing? Yeah, I may have done that. Again, more productive with our time. That's what I am saying.

We could pay to get to your end goal here. Driving three hours to get some penis? I know. What? It wasn't my best decision. Where was it? Chicago? No, northern, like, by Trevor City.

Oh, my goodness. You went almost to the U. F.P., the Upper Peninsula. Yeah. Just for some, there's like five people up there. Why can't you get in Grand Rapids? I definitely could. You're right. You're right. Just in the moment, he intrigued me.

He intrigued you enough to drive three hours? Listen, as a whore and someone that likes to come, I've never driven more than 30 minutes. As somebody who has been in the dating world as a bigger person. I've made people drive well more than 30 minutes. As somebody who has been bigger in the dating world. Yeah, you were fat. I have. You got skin flapping around in the wind?

A little bit, yes. Okay. Yeah, I guess. Not everyone's doing that. So I have a lot of anxiety when it comes to being like that. So how did, so going three hours with the potential, you when he sees you is less anxious than being able to just turn around and drive five minutes back home? I think with him being so far, if he says, ew, and I can go home.

Guilt tripped? No, no, no, no. No, I think it's more like if he didn't enjoy it and I, and, you know, I drove the three hours. Is he attractive? No. Why, though? Did you fucking non-attractive guy? Because of what he said.

would do to me. What did he say you'd do to you? I have a kinky lifestyle. Tell me. I am a submissive. I like to be dominated. Okay, welcome to every woman, like 98%. But I have been in relationships where not. My ex is not like that. So I would... X is a pussy? X is not a man. No. Where? Ah! What?

Spider. I killed it. You can't do that to me. I absolutely can. A spider was crawling down my mic. Okay. Show me a picture of your ex. It's not going to be on screen. I just need to to see what this creature looks like that was with a 650-pound woman. Hey, it's what happens, right? Every time someone lose weight from gaspriced bypass,

they always leave. Always leave. You're the lever and the unique kink of a woman being submissive. Never heard of. Not even that. It's just being with somebody who isn't. Yeah, dominant.

Who would have thought? What the fuck? Can I swipe? Yeah, of course. Because I want to see, like, more of him. Oh, geez. It's just like a... a fucking nerdy little gamer guy, but he's like normal.

He's not a bad looking dude. No, he's a great guy. I don't get my wrong. 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.

Shop Spring Backyard Days for seven days at the Home Depot. Now through May 6th. Exclusion supplies to homedipo.com slash price match for details. Okay, show with the hookup. How much are you investing into your OF, by the way? So that's your future. I mean, I'm being towards you're ordering custom latex bullshit and all this crap. I want to order these custom.

How much is that going to cost making $55 a month before they take their cut? It would be like $150, but I'm going to save it. I wouldn't pay, like I wouldn't do it until I'm ready to do it. That's him. Oh. Yeah. Yeah. He is what 50% of men have looked like on financial audit.

He is what I call a rural Lumberjack. He's a morbidly obese, trucker hat, big beard that is uncapped. Yeah. Ew. Okay. Well, good for him. I guess he got some vagina. Okay.

Well, what do you think your financial score is? Zero to ten. Zero being horrendous. Ten being incredible. I would say a one. Okay. Sounds reasonable. If you want your hammer financial score,

where you stand in the world of money. It is free. Take the assessment. Just takes a few minutes at Calebhammer.com. You can see where you suck what you need to do better and where you're already doing pretty good. So see where you stack against most Americans and where your finances are. And if you don't want to be like, you guess who ends up on the show? And you shouldn't be. Then download the dollar-wise budget app. New features being added every single month. In fact, at the time of this video coming out likely, we had our massive relaunch. And if not, it's about to come out in like a week. Guys, it's going to be incredible. It's going to be the budgeting app of the future. Just take the free trial, dollar-wise.

that app or link in the description below and only through the end of March and then gone forever. If you sign it for the annual version, which most people do because you save 50%. I will sign my budget-friendly cookbook and mail it directly to you. Only available through the end of March. Get it now and it's going away forever. Let's

jump into these numbers. Hey. So what did you make last month? Probably it would have been a little short because it would have been before my raise. So probably like 35, maybe 34? 38. Did you work extra hours? Do you get paid if you work more?

Oh, I probably got tips. So we, um, if I work alone in the store and there's tips going through the system, I make those tips. But if I work- People getting their Brazilian berries? Where are they doing that? Okay. And how much did you spend? Probably like 37? $3,779 hours and $0.14. Basically everything you made. Certainly more than you normally make on a monthly basis. But only a couple hundred bucks, a little more normal than most, you know, a little better than the average financial. a lot of guess, but it's still horrible. I didn't look over it for because I thought it was going to be a lot more. Well, still horrible, though. And you do not get to your goal. You do not get to the ultimate Disney goal with that. And again, take away the O-F and you don't even make that. You don't even break even. Where's it all going?

Expenses, like rent and stuff like that. My car payments pretty high. My personal loans are a little bit up there. And then probably, you know, I got my spright habit that that doesn't. die because you know can't have too much sugar or caffeine so spray zero is my love. Why don't you spread on spite zero, you dumby? A lot. A lot. Okay, dude, just make whatever like the lemon lime flavor is from Gamer subs. Just make it at home. It's zero calories, it's a hydration drink, it's just as good, and it's 40 cents a serving. You can get your free samples with Code Caleb, see what flavor you like and then get the flavor that you want in bulk. 40 cents a survey. No more stopping in and getting some bullshit.

Spending hundreds on surprise zero. I mean, there was minimum $500 on bullshit last month. Minimum $500. Yeah, probably, because I was probably preparing for the Disney trip too or for our move, so it was probably just bullshit spending. When was the Disney trip?

Or when is the Disney trip? The beginning of December. So you just got back? Yeah, we just got back. In the move? The move already happened. The move happened in November. So you're not preparing for the move. What the fuck you're talking about preparing for the move? your move.

Your move was in November. This is last month. This is December. What are you talking about? I believe you have documents from October. That's true. That would be so far back. Why?

I applied. No, it's November, you dumb. Shut up. You don't even know what you're talking about. I just couldn't remember which one I sent you. Well, it still matters. Like, again, you say you don't borrow from your mom and then I call you off from borrowing from your mom.

And I'm like, oh, I borrow from my mom. So it's like, don't try to lead astray. It's like, oh, it's kind of been done. This was the month right before moving. Oh, wait. It is actually once we moved. But then it would still be, because there's still moving expenses because we just moved. Hey, moving expenses isn't bullshit.

I called bullshit. I don't know moving expenses. Bullshit could be moving expenses. Probably not. Going out to eat, doubt. Yeah. I've moved across the state of Michigan. It ain't that big.

Pretty short move. Not crazy. No, it's only about three hours. Uh-huh. Wasn't bad. Nope. It's like going Austin or Dallas, and that's barely even an inch in the state. So that's nothing.

So $500 in bullshit isn't just going from east to west of Michigan. So have you looked at what your rent's about to be once we move out? If you can move out? I have looked at different places around the area because I do. You still stay local due to my job. No shit. Well, okay, listen. Some people can know around.

I can't. So it's probably going to range between like $900 to about $1,200. Well, again, in your income, that's not necessarily horrible. But when we get all your debt together, how much debt do you have? total with student loans probably around like 40 to 50,000 dollars 50 50 50 with the car and everything yeah and there's a crap ton of just individual debts leading up to the student loans student loans is only 14 of that 50 the rest is just horrendous bad disgusting horrible debts yeah yeah so how are you going to move out and afford a place of your own how you're you gonna and then are you

get a him over no I would make sure that he's like okay like we would we would make sure he's okay by giving him extra money? No, I would talk to him and be like, hey, if you can't afford it, you need to move out. Or if... You're going to cover that whole place? What is it going to be, 1400? $1,400.

Okay. That, while adding all this debt that you're not even making progress on, while spending more than you make, while spending hundreds on bullshit on a monthly basis, how are you paying for $1,400? I'm going to have to figure it out. I'm going to have to really push my only start really. Oh, girl.

Who the... Okay. I'm glad you got a couple sign-ups to stay. Isn't growing more than like a couple hundred a month, dollars. Be something to help toward the debt, won't it? Yes, but I would rather refocus your energy to something more productive that brings in more money. With my job, it's too demanding. I can't. I've already tried. When I moved out the first time from my axe a year ago, I worked for Domino's as a delivery driver, not at my store. Is that a year ago? Yes, I moved out February of 20-5.

Why did you get back? What the-f? What then? I got back because I thought we could work it out and needed help financially. And so I moved back in, thinking we could work it out. We tried. And then it just didn't work because I couldn't trust him. Want to know a dirty little secret? And no, I'm not starting an only... You're not broke because you suck with money.

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behind your back. Click below to get started. That's kind of fucking stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money, we like free money. you can get up to $350 in bonus cash right now when you sign up for the checking account that I use, CHIME. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time.

Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for CHIME. Get that $350 right now in your checking account. Okay, so you got a second job. Why can't you get a second job? Well, I did do the second job, and it was draining. It was to the point.

No shit. Welcome to working. a shit ton, but you're taking care of the shit that you got yourself into. I don't care. And I was having to leave that second job to go back to my first one because I had to handle emergencies because I'm a general manager. Anything that happens in that store, I have to be there. Then is it the right job? Yes, because I love it. That's not the reason why it might be the right job. And it's the most I've ever made with having a degree. Yes, that is true. But you will be able to roll this general manager experience into something to mention. I'm improving my LinkedIn,

even as we speak. Like, even last I was working on it. Okay, well, how about your actual resume so you can apply to places? But even still, we had someone general manager at Macy's or an assistant manager. She may have like $70,000.

Like... Yeah, it's a smaller company where a franchisee were growing and I don't... And they're not entitled to you. Go make money with better vacation time and pay off debt better. It's something I can look into.

I love the company just in general right now, so I'm willing to sacrifice now. I'm glad you like the company. It doesn't mean it's always the best. I liked Jimmy Johns. I looked. legitimately enjoyed being a delivery driver for Jimmy Jones for what was it like four or five years

doesn't mean I should obviously stay there it's not the best for me yeah but there's also about happiness there's points where like you have to and how happy are you not fulfilling your dream how happy are you not being able to pay the rent when you're on your own how happy are you to have all this debt $34,678 in bad debt including an additional $14,154 dollars to student loans of a degree do not have How happy are you with all that? I would suggest not. How happy are you when you try to go get a job to clean all this up? You have to get called in for the job that you are so happy about.

How happy are you working 50 to 60 hours a week and only having one week off? Happy? Fuck you. You don't know happy. You haven't seen happy. That's not necessarily a slight against you. But I'm sorry, you haven't seen the sunshine on the other side of the fucking hill. Compared to the other jobs I have worked for.

Yes, I agree. But we're always trying to move up. We don't just stay stagnant now because we have found the happiest soap. far. But I have to fix my resume to match to make those qualities. Yes, but that takes a half a day. I understand. I'm a busy person. I haven't half a time. Busy person. You're taking feetpick. Shut the

fuck up. You literally just stayed over at this nasty ass morbidly obese, bearded Northern Michigan freak's house for over a day, three hours away, six hours drive total, staying overnight and calling Colton from there. Freak? He called me. All right? We had the call on Friday

and then he had to call me on Sunday. I'm not answering that. Was it worth a three-hour drive? No, I told you no. Then what the fuck are we doing? You know that? I wouldn't know until I'm not there.

You could. No. I don't trade pictures like that. No, you ask how big. I didn't want to. I'm more of an in-person thing. What? I'm more of this.

For a three-hour drive, you don't want to know if it was anything worth driving for? You don't need to see a picture. Now he might lie. I don't lie. Good to know. Not telling you. I don't need to know.

Okay. Listen, O.F. time. Time to drive for microdick bearded morbidly obese Northern Michigan man and staying overnight. You have time to make a resume. I need to make time to get my needs. You know how you have time for your personal life having a job that doesn't demand 60 hours a week plus coming in for emergencies for only one week off a year by fixing a resume and getting a better job? And then, uh-oh, you have more personal time to take penis in your holes. There's so many benefits to my job.

Oh my goodness. I make my own schedule, so I'm able to do these kind of things. Girl, 60 hours a week. Making your own schedule. Yeah, I hope so, but there's not much flexibility in the 60. No. So what the fuck you're talking about? I make it work.

I make the time work. Okay, great. Okay, great. You are in delusion land. I'm glad it's the best you've ever had. I'm not saying this job is shit. It's a better job than a lot of people get. But you are in the world of delusion thinking that you just can,

you're not willing to spend a little bit of time on a restaurant. It's always I will, not I have or I do. I have been working on my resume. Oh, shut the fuck up. I have a bed you can- What is this? What is the C-C-Bank loan? C-C-Bank loan.

Oh, yeah, that you borrowed $2,400 for with a total piss-p-p-p-p-p-p-p-p... That was my personal loan I took out to move the first time. To move from across the state. Hey, guess who moved? No, this was-p-p-p-p-p-p-p-p-p... Where is it? ...this personally over and over again, before I went down to Texas a much better place. It wasn't for that much.

What move then? To leave my ex the first time. Well, fuck you. Why did that cost $4,000? Because I needed a down payment. It was an immediate move, so I needed money. Hey, every single year of my life, except for the house I'm in,

I basically moved out every single fucking year. It wasn't. And I didn't borrow for it. It was an instant move. We broke up and I needed a move. I knew it was, but why did it cost that much? Well, because I... And why didn't you have an emergency fund?

Because I was dealing with a house issue at the time. Oh, always dealing with a house issue. shit. Yeah. Well, no shit you were dealing with health issues. You were morbidly obese. House.

House issues, not health. What the fuck I'm talking about? I used to have a mobile home that ended up getting destroyed and we ended up having to go through courts and stuff. Welcome to mobile homes. I know. It was rough.

Oh, never again. It's all taken care of now. It's all off my heart. So I ended up being on the insurances thing and whatnot. But why did it cost this much money? Because I had to pay for the, like the movement fees and stuff like that.

And then I got extra. so that I could have, like, extra money for, like, expenses for, like, in case, like, I needed extra money for, like, bills and stuff for... Extra money. The interest rate is 159.57%. Yeah, I didn't see that when I signed. What's the balance on this? Got a couple more payments on it. Probably, like, I don't know, probably, like, $3,400 maybe that?

If it's a... Hey, honey, it's mom. Did you know if we switched to Verizon, we can get four phones for $0,000, plus four lines for $25? a line. Call me back. Me again. That's just $100 a month for four lines on unlimited welcome. Plus four phones, no trade in needed. Call me. It's mom. America's Best Network, Verizon. That's the one we're talking about. I'll send you text. America's Best Network based on Route Metrics, Best Overall Mobile Network Performance, US second half 2025. Four new lines on a limited welcome and auto pay. See Verizon. com for details. A few more payments. It's not a couple hundred bucks. I'm going to say it's about

800. Let's be conservative. 800 to still pay, especially with interest, with minimum monthly payments, $211.58, which is insanity. Put all that together. Then you immediately moved back in with the guy anyway. So I don't like, what the fuck he took out a payday loan to move back in with him? Pretty much. Yeah. And why did you move out the first time?

Because he cheated on me and I didn't trust him. So that was the cheat. This most reason breakup wasn't the cheat? So it's all together. And his cheat was sending things that weren't private parts, but were. inappropriate of which I guess we learn in the post so great. Was it his asshole?

No. What the f*** else is there? Oh my God. What is there, Colton? Colton. It's a lot. Colton, you have body parts. What else is there?

And this is something he didn't even know about. Men's nipples? When I told them he didn't even know what it was. Wasn't even cheating or are you just a crazy bitch? Hmm. I don't know. I've been cheated on a lot in my life. I know what cheating is.

Yeah, but I don't know if you know what cheating is. If somebody gets a sexual arousal from the conversation and the videos and pictures that they get, I see that as cheating. But I thought you said he gave. Oh, he gave them too. What? Pictures of cum?

No, just... What else is there? Oh, my God. God. Okay. With me in the post show, God. Okay. Yeah.

That's nice. Listen, did you guys have an established boundary that that was okay for him to do? No. Well, then, yes, that would be bad. He didn't even do it until I found out. I saw it.

I was looking for music on his phone. He didn't do it until you found out. Or like I didn't, he didn't tell me about it until I found, like, until I found it on his phone. That's okay. I mean, if you guys have the established boundary, that wouldn't need to tell you either if that's a part of it. But regardless. None. I didn't even know about that.

Many people have, like, pro flirting boundaries. Many people, there's a lot of things. Yeah, no, I understand there's open behavior, like all that kind of stuff flirting. Like, I understand that. No, there, we were, we were completely understanding that we were quit in every single way. And but he was still doing that. Even though you're both sub. That's great.

Yeah. So what the f***? This is insane. Have you ever missed the payment? No, it's auto draft. I have everything set up on auto pay. But it's such a chunk, because you just got a raise switching to the store. This is a huge percent.

This is a big money. It's huge. And it's every two weeks. That's every two weeks. Yeah, the two lines every two weeks. So it's like $4.22 every month. Yeah, $4.23 rounded up. Yeah.

That's crazy. Yeah, every paycheck it pulls it. As soon as I get paid, it's gone. That is crazy. Extra credit. It's a personal loan again. What is this for? Total interest paid year to date $3,000.

This is a huge balance. Yeah, that is... That is a consolidation personal one I did with my bank. Oh, and how'd that work? I mean, I'm paying it off it. They pull it from every... Yeah, well, you built up your debt again, exactly. Every fucking time.

What's the point? Wait, that's your daily interest rate. What the fuck is your... Oh, it's a 20% interest rate. It's not even that better than credit cards, honestly. The minimums you payment, $155. So what happened here? When was this? I got that.

It was 12,000 originally. Yeah, I originally got it back in 2022 to consolidate a bunch of credit cards and an issue from the housing thing. The rental company was having like issues. So I just paid them out for it. It was like a lease thing. It was like a payout for a lease. So I just paid out that. And then that was all just all combined.

I got it. My mom co-signed on it with me. No. Yeah. My mom works for the bank for that. Oh my goodness. She's really enabled you. be what it was, however. Because without fixing your behavior before doing this, and she probably

doesn't even know, you probably just fuck it all up again, which we know you did. So what are we doing? But I'm confused, because I'm being told you actually got this down to $7,000. I did. So what the f*** it is certainly not $7,000. I'm a spoiler alert. It's three more. Yes. So back in October when I found out, I was getting transferred over to the Grand Rapids area for my work. I increased it to $10,000 to get my mom off of it. as a co-signer and to give myself a little extra money to help because... You took three? Yeah.

Oh, for f's sake, for that move? So you borrow for every move! This move was paid for by my boss. I have never had a move other than into my house when I just had money now. I've never had a move that has cost me more than just a few hundred bucks. I don't get it. How does this happen? That three grand was to help subsidize income because my ex was switching jobs.

That's his income. I understand, but as us being together and me being a person, and it doesn't like to see him struggle. I wanted to have the extra money. Enable for the enable for the enable for the enable. Are you going to stop taking care of him? I doubt it. It's been two weeks.

I doubt it. I don't think you can. I've stopped doing everything for him. For two weeks? No, I'm like it was before that I slowly stopped doing things. And what has he said or thought or done? He thinks you guys are still together. I don't know why he still thinks that.

We don't act that way. At least I don't act that way toward him. Yeah, but what does he think of you all of a sudden are not taking care of him in one? not. He just does things on his own now like he did before. Just he hopes that the things that I was doing before, I might actually still do. Well, I like the refinancing to get your mom off because you shouldn't have your mom on it, but to take an extra three is crazy.

Yeah, no, I think... To subsidize how long? It was only to subsidize for the rest of the year. So two months, November, December. Yeah, two months. And where to go? Went into different expenses like gas or, um, things for the apartment.

You're not going to be able to survive on your own. What are we talking about? Especially if he moves out. What the fuck are we talking about? There's not a chance. You had to take out a personal loan to try to make it. It's not a chance. That was because of his income.

I know. And if his income's zero because he's gone, then how, it's just not a little less food costs, a little less electricity. Other than that, the rent is still high. You're right.

But with all the costs that I spend on him in those times, I won't be spending on him anymore. What? Where were you having to pay for? food. I spent so much. I just said, but you get a budget. Okay.

I don't know how you're going to be able to survive on your own. I don't know. I don't know. Oh, he's pissed. You're here. Oh, yeah. So I applied back in October originally so I could come in 2025. You guys called me like that day.

And so I was picking up there. It was awesome. I loved it. And I ended up declining. And I went home and I was like, listen, I told me up. told them maybe, but I think we're going to email them, tell them I want to do it, like, right immediately. And he's like, why would you want to do that? He made it very, like, like, it was like a problem that I was doing this. Like, it was, like, such a bad thing.

Like, I was doing something illegal or doing something wrong. And so I was like, I'm not including you on any of it. You don't even have to come with me. I'm doing this for myself, so I can get my better and a better place for us as a couple. So I can one day, hopefully, you know, pursue the future we want together. Because we wanted kids together. We wanted a house all that. Like, we wanted all that. October a couple months ago? Okay. And he, I lost my train shot, sorry. He was pissed.

Yeah, so he was, so he's like, no, I just don't think you should go. And so I let it go. I was like, okay, I'll just reapply again. And then around Thanksgiving, I said, you know what? No, fuck this. I need out and I need something better. I need someone who actually appreciates what I do for them in a sense and, and gives me what I need in a relationship.

What do you need? I need someone who will be ambitious like I am. I am so hardworking, I am ambitious, and I am driven. Now that I'm not 450 pounds, I have all this energy to do all this sort of things, and I can't get him to even plan a date, Caleb. I have planned every single one of our dates from the first one all the way to now. Yeah, it sounds like a loser. I don't.

I even, for Christmas, bought him like one of those scratch-off date books to make it easy on, to just scratch it off, and then you planned a date, and I couldn't even get that. Okay, so you owe money to your mom, $1,500 for what? random expenses from on the card. Ha? From what? Either from the Disney trip or from, you know. So what card specifically? You mentioned the card. What are we talking about the card? Go into more detail.

I have a Discover card that my mom got in her name and I'm an authorized user. She has. She has it and I'm an authorized user. And I have a card of my own permit that she allows me to use for any emergency expenses, anything I need. That kind of stuff. And then she just tells me to send her the payments back through our. credit through our bank because we have the same bank. So what are your payments then?

You owe $1,500. What's your minimum monthly payment? Oh, come on. You don't have a scheduled minimum monthly payment with her? No. I'd send her $100 every pay. That's what I agreed on. She'll either send it back to me when she knows I do not need to send it when she doesn't need it or like not when she needs it when she thinks I'd need it or she'll just hold on to it. So it's like

$100 every chance I can. I'm being told you thought it was good because you got an inheritance from your grandma. So what the fuck? Yes, I did get inheritance from my grandma and my grandmother passed away in May. And that's normal and I'm sorry. And what did you get? And where the fuck is it?

Because you're dead broken. I got just under nine grand from her. Okay. Grandma didn't have much. That's okay. It spread through a bunch of all of us. She had a good amount. A lot of it went to her kids and then it went to grandkids.

There was like 13 of us. 9,000 didn't go anywhere, it seems, or it went everywhere. Well, as I've talked about, I'm a giving person. So one of the winning sentences was I bought a couple of things for my, I'm an online gamer and I have a couple of friends who are. Oh my. Yeah. I got a big PC build. What?

What did you get you? I built it my. Oh, what? Components did you get you? I understand. I don't. Okay, I don't remember because it was back in 2020. I don't know what's in your computer.

Oh. It was a long time. Yeah. It was a long time. It was a really old PC. It's a long time ago. But it does what it needs to do. Oh, you bought your ex a brand new PC too.

Yeah, so that's what I was going to get into. So, yes, what they heard is. For his furry art. Yes, because he is a free artist. What did you buy on his PC for his PC? What was it? I bought the whole thing. Yes, what did you get him?

I'm, I'm, I'm. What the fuck? Michigan. Wait, or come back on me. We got to talk about Michigan at your kitchen. You said what on the PC, sir. You said, what on the PC? Um, I bought him.

I think it's a, oh my gosh. remember the brand. I know. MTX or something like that. Bro, just like, is it good? How much was it? $2,500. And it's good. It's, it's got, um, how can you even afford to get here? I know we reimburse you afterwards. How did you even afford to get here? I put it on my mom's card. Oh my f-

And then I'm going to send it right back to her so, so she can pay it off. Yeah, so the PC, so, um, again, I don't know the specs, but it's a decent. Yeah. 2020 was a long time ago. I don't care. No, his PC. When I just bought? You just bought?

When was it? Oh, I just bought him that one in, I want to say August. How did you afford that? The inheritance. Oh, that was, oh my. Yeah, that's why, yeah. What is wrong with you? Using grandmother's money for a PC for a guy that we've broken up with once because he cheated on us and are ready to break up with him again?

Yeah. Did he stick it in another woman? Physically no. I am hyper against cheating, but with the language you are using, I don't. It'll make sense in the post-show, okay? Oh, good. Oh, goodie. Listen, I'm just trying to be respectful, okay? Be respectful. You're going to respect the cheater?

Yeah. Uh-huh. Respect the cheater. I'm not happy that I respect him. Okay. Oh, debt to owe to family and friends. No, no, no, to a friend, 500. To a friend, 500? Yeah.

What are you owe to a friend? $500 for her to a friend. Yeah, back in like 2021, I needed help with rent and so I asked. Bro, from four, five years ago now. Yeah. Five years ago, $500 for rent and you haven't paid that back, you dumb, but you gave him a PC for $2,500 and you haven't paid back your friend? What is wrong with you, selfish?

I bought him the PC because the one he had broke and R is his life. Hey, you know, a friend $500 from five years ago. And I'd rather not have a depressive fuck in my house, because he can't draw his art. Doesn't matter. The dog is not the fucking drink on his PC, which lied to him about that and said, I did it.

No, the dog did it. So he didn't freak out on the dog. You peed on the PC? No, the dog dropped one of his drinks on his PC. And the dog said you did it? No, I said I did it. To who? To him, my axe.

Why? So he didn't get freak out on the dog. He would hit the dog. He would be upset with the dog. To the point where he wanted to get rid of the dog. Like he was, by that point, A bad dog? No.

Knox is a wonderful dog. So he just has a low temper when it comes to things that don't go his way. I'm not the best temper person either, but I don't, like, take shot on on dogs. We both love that dog. That's just all I'm going to say with that. I like how you can't give me any details about anything.

I'm not going to say that he abuses our dog. Well, does he? No. Then say he doesn't. He doesn't abuse the dog, but there's definitely points where he doesn't take care of him like he should. That's just straight up.

That's animal abuse. In my book. I love when I applied to come on a podcast and then can't talk about things. There's certain things I just can't talk about due to respect. About how someone treats a dog? I'm sorry, I consider that you at that point. If you're a piece of shit to dogs, cats. I get it.

Okay, so Mommy paid for the trip. You can't pay off your friend from a few years ago. But if you had enough money, okay. Did you buy his PC the day you got your inheritance? No. How long did you have your inheritance before you bought his PC? A couple weeks. Why the fuck did you not pay back to?

the $500 you selfish. Because I forgot about it. Oh. I did. Oh, yeah. I have a goldfish brain. So I, if things aren't in front of me at all times for me to look at, I don't remember them.

And so that was in my notes of debt that I just forgot about until we were talking about all of this. And. 1,888 to collections for what? Probably. Probably. $3.50 dollars a lightsaber at Disney as well. Yeah.

Bro, pay back your friend. What is wrong with you? What is wrong with you? Pay back your... Are you still friends with this person? Yes. Wow. You sound like a horrible friend.

I don't say I'm a horrible friend. I would say... No, I do. I wouldn't consider myself that way, and I understand why you would, but the reason I don't is because... Yeah, because you have the money and you haven't paid them in years,

even though you've had money to pay them for years. Because they know what I've been going through, they know what I've been doing, so they know that when I have the extra time... You're cheated on you respect the guy, who cheated on you for cheated on them. Like, I love respecting people that cheat on me and respecting them for that.

And when they do something bad to a dog, I love respecting people for that. It's interesting. So why'd your mom think you came down here that you borrowed money from that you probably won't pay back because you never pay back money because you get things that you want instead of paying back money.

Uh-huh, sure. Yeah, you have a historic representation of that. I believe that. Including your friend, will the money go to your friend? The money should go to your friend. Will the money go to your friend? The moment you get your reimbursement, how much it costs to get down here.

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Will you? Yes. So, your mom, you came down for financial audit. No, my mom knows things I'm here for work. So you lied, you borrowed and lied. So you cheated on your mother financially, infidelity. I am a person to have a...

Does she respect you for it? No. She will think I should have just told her, but... Yeah. Whoa. But I will explain that because the reason I didn't tell her is because I'm an in-person with my mother. I'm in-person of telling her things like that. Oh, what a cult. That's a cult.

I'm... I'm in-person when I tell my spouse that I... Someone else... And she said I couldn't. It's waiting until the perfect moment to say it so that it would be excused. My mom works for a bank. So she has amazing finances. She does well with her finances. Oh, shut the fuck.

You know how many people who worked for a bank I've had on the show? No, I understand. But no, my mom is really good for Francis. But what I'm saying is that, like, she, I did not want to admit to her that I was going on a financial show instead of just going to her for the help. I did not want to have that moment. Thank goodness you. Because she would just enable you.

She always did. So what's this collection? Exactly. $1,880. That is probably the old apartment that I used to live in Nebraska. Nebraska? I lived in Nebraska for four years. You look like you were hatched in the field in Nebraska.

That makes sense. That makes sense. I don't know if that's good or bad. I like Nebraska, but I definitely wouldn't remember. You like Nebraska? I liked it. Yeah, it was nice. I liked living there.

I met a lot of fun people. In Nebraska? Yeah. You met people? Yeah. One of my best friends who lived there. And do you not pay your best friend back? That one, too? No. No, he didn't. Of course not. Of course you don't.

I don't owe anybody else money. Nope, just endless collections, including the extra 639. What's this for? Probably a credit card. Great. So why do you owe a previous apartment in Nebraska? So when I lived there, I lived with a roommate who, we got it in July. Here comes someone else's fault. And then not long after that, she started dating the sex who was a felon.

A ex? Did you mean X? She dated. Well, it was. was the next of the time. I think they're married now. I don't know. I don't know. It's just we want to talk anymore. But either way, she started dating this guy who was a felon. Good for him. Moved him in without telling me into the apartment. Okay. Is he a dangerous man? Well, yeah, he was a...

There's a lot of felonies. Is he dangerous? Yeah, he was a domestic violence felon. That's not good. We don't like that one. Exactly. You'd probably respect someone for doing it, but... No, but... Anyway, so she moved him in without telling me. Like, I went away to visit family, and I went home to visit family, came back, and and he was moved in.

Told her that she had to get him out like it's not, like you can't have that. He's a felon on our lease. Like you cannot, like we can't have a felon in our lease, let alone living in here without being on the lease. And so I talked to the apartment complex. I said, hey, can I just switch. Were you on individual leases or a shared lease together? It was a shared leaf.

So I, yeah, you're, you signed that contract. Yeah, no, 100%. And so when I moved out. Why were you telling Colton it was all their fault then and they were over? I would say they'd be over because here's why. So when. Yes. I know.

I'm getting there. So when we, when we redid the lease, I moved into a smaller apartment to, you know, make it more cost effective for me. When they redid it, they messed up the paperwork and said that I moved, that the lease started in November. They were just supposed to renew the lease in for July. Okay. So when we first moved in, but they didn't. So when I planned to move out in June, when I planned to move out in June, I told them like, okay, hey, my lease is ending.

I'm moving out. Here's my notice. And they said, no, your lease is up in November. ended up being a whole fight, and so that's just the last month rent that I'm refusing to pay. What contract did you sign? Contract said that it was supposed to be up in July. Did you show them that contract? Yes.

And? And they refused to accept it, saying that due to the re-signing with the new lease, with her going off it, it was supposed to be the year. The new lease, all it said was that it just removed her. That's all it was that removing off the lease. I know. That's why I'm like- Okay, collections, 512 for what? Probably a credit card.

Why weren't you paying credit cards? When? That one, probably was from like 2022. This and the last one. Why? That's another 257. Why aren't you paying credit cards? Probably because I just couldn't afford it. Why? Why?

Because I didn't have the money in my account. Why? I know you're still getting your ass to Disney. So why? Bullshit spending, I'm guessing then. Disney and, you know. You don't feel like you're going to pay it back. You're not going to pay it back. My credit cards?

Probably not, no. The collections, why? I mean... So you spend other people's money. I will pay them back if I have the money, but I don't have the money. You don't have the money because you spend all your money on bullshit. You can pay off one of these a month just with your bullshit money spending a loan. Fuck you, Disney.

What are you talking about? Fuck you. Okay, then I'm gonna, then I'll sit down and I'll budget out to where I can. I can pay those. I would like to. Girl, you literally got a $9,000 check from your grandma. What are you talking about? And then I gave it to people who I thought needed it more.

Yeah, I probably should have put that toward all of my debt. And I'd probably be in a way better of position. But I didn't because I felt like the people in my life needed something more. My ex was one of them. And do I regret it? Yeah, I do. But here is the thing. I did it so that they could have a happier life.

Like, the one that I bought a guitar for, he's the happiest man I've seen him in a long time because of that guitar. Would you buy a guitar for my friend in Belgium? Your friend in Belgium. Have you ever met this friend? We video chat all the time. You've never met this friend. Not in person. Oh, my.

You're getting... Milked. Yeah, you're getting milked. You're getting milked. You're getting milked. You're getting milked. I don't want to admit that because I don't feel it that way. You have a Chevy Equinox. I do. 20-state buyer.

Okay. 2020, we're super excited. And a 16% interest rate of death. Why? Because I needed a car. When did you get this needed a car? I got it back in. So what happens when you have collections,

on your credit, by the way. You could have saved yourself more money than paying off your collections by having a lower interest rate, most likely, having a better loan. Right. So when? I got that back in 2021.

August 2021. Yeah, that was not interest rates done. We were in... No. Better interest rate territory. What the f... Welcome to having the consequences of your vehicle. We're the Hartford,

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Yeah, well, I needed a car because the car I had. I'm not saying don't get a car. But also, how much was the purchase of the car? Because you didn't need a car this much. It was $24,000. What is wrong with you? Why did you not get a $10,000 car? What the fuck is wrong?

You put some winter tires on that shit. Because I wanted something. Wanted. Wanted. I know. There it is. How'd you afford this? You were letting credit cards go to collections at that time. How did you afford this? I took out my 401k. Oh my f***. What is wrong with you? How much did you take out? $36,000. Oh my goodness. And yet you still have a loan on it. On the car. Where do that money go? So I did put a down payment on the car and then some of it went to certain debts,

some of it went into savings to save for expenses, like emergency fund and stuff like that. And then I did pay my mom. She asked me for a couple grand to help repair a car for my sister. To your mother, the financially well-off mother? It was technically a payback. Let me be clear.

It's technically a payback. There you go. Yes. It was a payback for something earlier in the year. What do you think this car is worth that you owe $15,000, $175 on. Probably around like...

13,000? About 13,000. Yeah. I think when I left it up because I do... I do want to get out of it. I do kind of... I'm confused.

You're answering questions correctly. Why are you so... You're allowing it. You're so informed. This isn't ignorance anymore, yet you allow it? Yeah. Get out of this car.

Get a 10,000 hour car. To better interest rate. What the fuck are you doing? I wanted the car one for safety because it's... I know what you want. I don't give a shit. Feel?

I don't care. Modern cars are safe. It'll be fine. You're not getting a 99. I know, but at the time I wanted the equinox. At the time, I'm saying no. I'll sell it, no, I'll sell it.

Good. I've thought about it. That's why I knew the price around, because I've been looking at the selling it. Don't get me wrong. Yeah, sell it. Save yourself 5,000 hours of debt and a lower interest rate. Okay, student loan, so what the f*** did you do? Because you said you don't have a degree.

Yeah, I went to school for psychology. Clinical psychology. Mm-hmm. Uh-huh. And how much school did you do? I went, I am a junior technically, so I have a junior, I would only have a few more semesters. You're not a junior. You're not in school.

Well, I probably only had about maybe a year and a half left to be able to get my bachelors. Hey, you're dumb, absolute. What? Instead of actually paying off your shit, instead of actually taking care of this, being a responsible adult, setting yourself off for success when breaking up with your boyfriend needing to move out. Instead of actually paying back your friend or paying back your family and friends, you literally just bought a motorcycle from your aunt for $2,500. Yeah, what is wrong with you? Yeah, okay. So the same, the same way.

is wrong with you, woman. So the same day my grandmother died, I was at a funeral for my grandfather on the other side of the family. Yeah. Old people will be dying. Yes. That sucks. I'm sorry.

And at that funeral, I was talking about my, to my aunt that, like, oh, one day I want to buy a bike. Like, one day, it was a plan down the road. Like, we knew we weren't ready for it, but we were planning, we were thinking about it. Did she death sympathy sell you? She death sympathy sold you? She said she had an old bike that she was wanting to sell.

And I said, well... You're a death purchased. You're a death purchaser. Yeah. So as soon as the inheritance came in, I set it aside. It's sitting at my house. No! Yeah.

It's sitting in my apartment. She death sympathy sold you. I have a love for motorcycles just from a kid for it because that met my grandfather and all that. Which is why associating with death and nostalgia, you then spent $2,500 and instead of taking care of your shit. Yes. You death purchased a motorcycle? You should never death purchase. Never death purchase.

In the moment, I truly, truly just wanted to... Welcome to a death purchase. I know. And he had a double death. That was a double death purchase. Technically, yeah. Well, yes, two people died. Yeah. It wasn't figuratively.

Yeah. And I'm sorry again. No, it happens. I'm going to be broken when that happens. Not looking forward to it. So you must drive it around a lot. She's holding on to it right now. Okay.

She was supposed to bring it to me in August. Sell it, you f***. No. It's a sentimental thing. Yeah, because you death purchased it. You, I understand. You shouldn't have death purchased it.

No death purchasing. Death sell it. Wait for someone else to die and death sell someone else in the family. I would sell the car over the motorcycle. Okay, death sell your car. Okay. I'll sell it.

And then drive the motorcycle in the dead of winter in West Michigan where Lake of Mexico now happens. That is the problem, yes. Well, that is the problem, which is why it's not realistic, which is why I get rid of the bikes. I'll tell us to someone else in the family, dumb tip. What are you doing?

No. No. No? You know what? No. Why? Because that is something I truly, truly. Truly, truly can't afford.

You're right. I can't afford it. But I, because I have no other way to connect with my grandfather and that side of my family anymore. A bike, I'm sorry. Are we really doing the inanimate object thing? Are we doing that? Is that a thing we do?

Do we do that? I don't think we do that. Especially for motors and gears. It's not an urn. If it was an urn, I'm not saying sell the urn. Or like a keepsake from a family or a ring or something like that. That was like Grandma's Ring. People have had Grandma's Ring on the show before.

I've never said sell it. A motorcycle. Something that will likely lead to your own death. All I can say is I'm not going to be stupid with it. It's all I'm going to say. Yeah, I do not trust you for that. You don't got to trust me. All I'm going to say is I'll be safe and that's what matters.

Why do I even believe that? The fall death injury rates for motorcycles might fall so hard. It kicks your jaw into the center of your face. That'll be my own fault then. It'll be good. Very true. It'll be good for me. Why did you drop out of school?

Well, I went out of psychology school recently because I... Recently? Yeah, it was April, May. Wait. You accumulated this last year? This has been over since I was over 18. I've been in and out of school since I've been 18. Why?

Just different schools. So I went to community college back home first to get my grades up. I was supposed to actually come out to San Antonio for school for powerlifting. For powerlifting? Yeah, I'm a powerlifting. Powerlifting? Yeah. School for powerlifting.

Well, so I would- Capitalism has gone too far. No, so I would go to college and power lift for the college, like a sport. Why didn't you if they were paying for school then? Because I got recruited out to Illinois for the same thing. And you went there? They paid me more, yeah. To Midland University.

Or sorry, McKendry University. It's a southern, it's a private school. Southern Illinois. In Southern Illinois. Private. And they covered your college? Some of it. I had to take out student loans, of course.

Oh my goodness. To power lift. Okay. Do you have minimum monthly payments on this? No, because I just started ending school, so we haven't. Huh? You just started school again? I just stopped.

Oh, fuck. Well, it's going to pick up again. It's probably going to be like $150 a month. Yeah, yeah. I haven't looked into it, but I'm going to. Probably $200. Oh, yeah. And then I also did culinary school as well.

Oh, you can't bite down on things. I was a bakery, baker. It is soft, okay. Yeah. And I didn't eat it. Well, I did back then, but I don't eat now. Yeah. Yeah, yeah.

You make gluten-free shit. I don't want you to be a baker. I definitely make a lot more gluten-free shit now, yes. Nasty. Okay, $5 in this checking account. Is this a other loan or is? No, I already saw this one. Okay.

Yeah, same bank. So it just kind of came together. Checking account 900 bucks down from a thousand. Savings is flat at $5. $5. $5. Would draw courtesy fee. McDonald's!

Come on. What the fuck? McDonald's, former fatty? Do a McDonald's isn't that dangerous? Okay. Amazon Prime. Courtesy withdraw again. What does this courtesy would draw constantly?

Probably my weed habits. Why is it a courtesy with draw pay fee? Because I pull it from the ATM in the dispensary. So losing teeth and smoking weed, northern Michigan. Hulu. With draw fee, with trophy, with trophy, with trophy. Discord. She has a Discord kitten.

Permanel it. I cancel it. Great. With Draw fee, with Dropy. Spotify, Crunchy Roll. F*** off. Big Apple bagels. Amazon.

Meyer Express. Meyer Express. YouTube membership, which the best one, and number one on YouTube, where I guess we get all the interesting stuff, is when you click that join button, join Hammer, Elite, join the literal, like 50,000 people or whatever. It's so good for a reason. Coinmaster, Coinmaster, talk about Crunchyroll again.

Blizzard. You eat like shit, dude. That's the thing. It is, so. Jersey mics. What? Jersey mics, there is no small Jersey mics. Texas Roadhouse.

They have many sizes. Coinmaster, coin master for 1730? Coinmaster, coin master, coin master, what is that? Coinmaster is a mobile game. But I spend money on when I'm bored. Like hundreds of dollars. Yeah. What the fuck is wrong with you?

You owe 500 to your friend. You're a bad person. Jersey Mikes would draw a fee. Would draw a fee. Meyer, that's probably groceries. Coinmaster, coin master again. Total overdraft this year, so far, $188. And this period alone was too overdraft.

Yeah. Oh, you're done. You're done. 401K, do you still have one? So I am, I do have a 401k with my work. What? Okay. And how much is in it?

It's around 4,000 right now. Great. We're from almost 40 to 4. Okay, let's get your debt minimum monthly payments. I'm putting your student loans in though because they'll kick in any time now. Okay. Okay, it's about to be 1,278, but hopefully the student loans kick in by the time that payday loan one goes. out. Your rent, let's say

a thousand, because that's what's going to be. What's your utilities alone going to be? Expensive gas in the winter, expensive electricity in the summer. What? I would say probably average it to like 150, because right now including internet or outside of internet? I would include it because our utilities.

Internet into 150 though. Yes. Okay. I don't need expensive money. Okay, phone bill. My mom pays for it because it makes it easier. Do healing him with T-Mobile good there and it should be. It's Grand Rapids. Do helium. It's like cheap, like 15 bucks a month. I'll also give you a course career certification so you can continue laddering up in the career world. And also make sure you use the FISCard. It's a debit card that builds credit because you can't be trusted with credit. Look what you've done. Okay. So we'll get those resources to you. And we'll also get you in the master your money program.

Gas how much on a monthly basis. Broom drive drive. I would say probably budget for around probably 200. Okay, car insurance. It's under my mom's. You have every opportunity to do well. $300 for food, TP fund, anything else you need to survive $500. Medical health care. They're co-pays, monthly bases, medications,

urine therapy, how much? Oh, fuck. Overdrafts was 1,088 this year. 1,088, not 1808, 1,00088. Oh. Dude, you're, oh, my, good luck.

No, you put on a good face, but you're, I don't get overdrafts at high. That's historic. You're, fuck. Yeah, I didn't know it was that bad. Pay it alone? Good luck. Okay. Yeah. Yeah, co-pays on a month. What? I would say probably, um, let's see 150. Jim?

Uh, yeah, 20. Subscriptions, I'll try about 40. Anything else that needs to be in the budget? How much for the dog? Pet insurance is $2.50. I have a cat too. Um, pet insurance and, um, renters or insurance is all together, 110. Okay, hopefully it's good pet insurance. How much for pet food? Uh, I only pay for the cat's food, so it's probably,

only like 20 bucks a month. Yeah, but you're about to move out and I don't think he wants the dog. Oh, he wants the dog. He made it very clear. What? This makes no sense. I cannot wait to learn about this guy in the post show. Guys, if there was an episode of sign up for Hammer Elite, this is the one apparently. It's going to be the one. You barely make a wiggle room, but $3,368. But I know one of those debts is going to fall off soon, the payday loan, but then student

loans will replace about half of it here pretty soon as well. So you'll listen right now at 3,368, you have 232 leftover. You're about to have 432 leftover, but at 232, pseudal loans is not an emergency payoff, but that's not even included in the 3425, divided by 432. It still takes a really long time. That still takes five years, even with the payday loan being gone. and not focusing on the student loans at all.

The student loans will still be there. It still takes five years. Yeah, it's time that we leverage. We need to just go make more money now. You've put yourself in a really bad debt situation. That doesn't include collections either, which will keep your credit score low. Now, yes, I would sell the car, get a $10,000 on our car,

hopefully better rate. I don't know with your collections. Debt to income, that might be hard, but at least save $5,000 there. It might save us about six months or a year in payment. That helps. It might be a four-year process, get a better job, use the certifications to course careers, or work a second job and stop this feet dumbassery, and maybe we get this down to three years.

But I think that's our paths now. Or shut the fuck up. Come on. You got to embrace it. All right, I'm done. I'm done. Join the post show. We're going to learn everything about the guy.

Finally, when I want to know everything and what this cheating, not cheating, bullshit, whatever. I don't. It's going to be good. Hammer financial score first, though. spending in a budget you spent slightly less than you made but it was more than you say you normally make but nothing went to actual debt or anything beneficial so two out of ten debt collection zero out of ten emergency fund nothing zero out of ten dramatically behind it your age i'll give a two out of ten real estate zero out of ten hit your hammer financial score at calebhammer dot com hers is a one out of ten click join join hammer elite best membership on youtube three premium shows posted every single day Monday, Tuesday, Wednesday, Thursday, Friday, Saturday.

It's great. See you there. What did he do? He is a furry artist, but he's an inflation-free artist. What does that mean? It means he likes to make his art very bloated, like, balloon-like. And he likes to do that to himself in person, too. He'll see what?

He'll take a... And a hose and put it up his... And then turn it on, and he gets, like, off by doing that. Oh, yeah. I've never heard of anything. Oh, yeah. Camera Elite is the best YouTube membership on the platform, and I just upgraded it.

New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise. Hey, Mama, thanks for making all my favorite recipes. Hi, Ma. Thanks for your unfiltered advice. Hi, Mom. Thanks for always being by the phone.

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