$40,000 Of Wicked Debt | Financial Audit

I need your help, Daddy. >> What is wrong with you? >> I'm gay. You think you're fun. You think. you're silly. You think you're cute. Shut the up. Daddy, chill. What the. hell is even that? >> Cult told me you've been spending a ton. on wicked merch. >> Guilty is charged. >> The income's wrong. The spending's. wrong. The scams are wrong. The debt is. wrong. Your behavior's wrong. >> I don't know, Caleb. I told you I don't. look at that. >> You're a horrible excuse for a man. >> It's hot when you say that to me. >> Off of that. >> All right. All right. Get your free trial to the Dollar Wise.

budgeting app today. Join the tens of. thousands of active users who are taking. control of their money and changing. their lives. With new features being. added constantly, there's no reason not. to try it. And if you like it, choose. the annual version to save a ton of. money and get my budget friendly. cookbook signed by me and mailed. directly to you. Dollarise.app or link. in the description below. Hey, I'm. Oliver. I'm 26 from Omaha, Nebraska. And. this is Financial Audit. >> You got the Galinda one? I have the. Galinda one. Yes, the bubble ones.

>> Okay. I'm excited for Wicked part two to. come out. >> You are. You're a Wicked fan. >> Well, I like musicals. >> Good. >> It's gayer than bottoming, but I like. musicals. >> Well, I don't know if anything's gay. than bottoming. Caleb. >> liking musicals and I fully embrace it. and support it and love it. >> I only brought this because this was not. a good purchase. And. >> Oh, so you wanted to demonstrate. >> Yeah. >> your misbehavior. >> Yes. Well, thanks for coming on from. Omaha. I'm sure Omaha, Nebraska doesn't. like your kind.

>> What do you mean my kind? The gays? The. Latinos? >> No, the gays. Latinos don't like them. either. [laughter]. >> But thanks for coming down to Austin. Austin loves the gays. >> There is a gay bar. Some good gay bars. down there. >> Down where? Omaha. Omaha's below Austin. >> It's not. I meant up there, but. >> you're just always think of a bottoming. >> Maybe. >> always wanting to be on the bottom. That's what's going through your mind. Especially when I'm across a handsome. man like you. >> Okay, let's let's let's let's. have time to jack off.

>> I hear you call it something else now. >> What are you doing? >> Is that what it is? >> What do you do in Omaha for a living? >> I work in payroll. [laughter] for a company that does um. like technology, like a tech company for. businesses. So, we're like a. self-service company. >> Yes. Yes, Oliver. Payroll. Very good. >> Yes. >> And what do you make in payroll? You pay. yourself. You process your own pay. What.

do you make? You should know more than. anyone in the history of the show how. much Oliver makes. >> Well, that's Yeah. Okay. Well, I make. 1950 now. That's like 40. >> I don't I don't even honestly Omaha, Nebraska. I know it exists. I can't even. Can I point to Nebraska? I'm. usually actually pretty damn good at. maps. I don't think I could point to. Omaha, Nebraska. I certainly don't know. >> Do you know? >> We're not doing a test, but. I'm just like the cost of living there.

Honestly, I really do try to lock in. different regions, understand the cost. of living so I can have those. conversations better. I cannot think of. Omaha, Nebraska. How does 19 what did. you say 1950? >> How does 1950 stretch there? Are you. getting 40 hours a week? >> Yes. >> Okay. What What does that hit per. paycheck? And what's that per paycheck? about like 17,000 gross and then I get. like 1,200. >> 17,000 gross. >> I mean 1,700 not 17,000. >> per paycheck every other week I'm. assuming. >> Yes, sir. By week. >> Oh, gross. What's net? >> 1,200.

So there's like $500 in taxes getting. taken out. >> And I appreciate your flirting even if. it's not my preferred thing. >> What do you mean? >> I I'm not into men. >> You sure about that? >> You sure about that? You sure about. that? But also, I think you came with. your boyfriend. I saw him earlier. >> That is my lesbian friend. [laughter]. >> And she's a huge fan. So, she's going to. be really mad that you think she's a. Well, I don't know if she really. apologize afterwards. >> She.

>> uh. >> Wow. Oh, boy. Caleb, >> I just didn't want you to do any. unintentional. >> No, I'm I'm single, ready to mingle. Came down to Austin. >> You're here. Brandon's here. Colton's. over there. >> Okay, Colton's actually gay. >> We love that for Colton. >> Colton and I have been vibing. So, >> yeah, >> we've been We love it. >> We've been We've been. >> Colton literally just got engaged. Not. married. Engaged. >> Well, congratulations, Colton. >> So, you got to stop trying to take First.

of all, I'm taken. Uh Colton's taken. I'm also not gay. Colton is very gay. And Brandon Brandon already has AIDS. So. you like I just I want you to be very. careful where you're stepping around. here cuz. >> Okay, I appreciate that. >> And unfortunately there's a fourth man. in this room right now named Wes who. >> got really left out of the. >> Actually my friend knew him and said. hello to him when he was setting up and. he No, my friend who you thought was a. guy.

>> Oh, the le. >> Yes, the le. She like saw Wes like. getting set up in here and she was like, "Oh my god, that's Wes." And he was. like, "Oh my god, I've only been in like. >> Oh my gosh. Okay. So, 2400. How does. that stretch. >> in Omaha, Nebraska? I'm sure not as. stretched as your hole, but. [laughter]. how how are you doing? >> Um, well, I'm struggling and that's just. like me. So, it. >> Why are you struggling? >> Because I can't say no and I can't. >> to what?

>> To to to. >> to like anybody. Like I've been scammed. >> To what? I've been scammed several. times, Caleb. Like, >> that's going in a different direction. than you're kind of. >> making [clears throat] that sound like. scam victim. >> Well, yeah, but I don't want to come out. here and be like, I'm the victim. >> Scam. >> Which one? There's several. >> Go down the thing if that's why you're. here. What is your reasons why I'm here? Cuz uh first one, this is like first.

one's a sugar daddy scam off the app. Yeah. Yeah. Yeah. Yeah. Were you the. daddy or the baby? >> No, I'm the baby. Look at me. I'm the. baby. >> Well, you never lost the baby fat, but. >> some guys like it. >> Absolutely. Dude, [laughter] I'm I'm. thick as a trunk. People are all about. it. Yeah. >> Yeah. Okay. >> Yeah, you are. >> All right. >> So, the Sugar Daddy one happened like 2, three years ago. >> Did you meet Mr. Daddy.

>> off the app? >> There's a Sugar Daddy app? >> No. Grinder. >> Oh, Grinder app. >> We love the Grinder stuff. >> So, >> nothing but to the moon on that. >> because gazes can't stop. And, you know, I love that. And that that, you know, makes me that makes me regret that I. never went, >> you know, full gay, full by cuz. >> the selection the selection off of apps. like that. Listen, in Bumble and Hing is. quite easy. Instagram is a good play, but I don't think anything will beat. Grinder and unfortunately, we just don't.

get that. If you want to see what. happens in the straight dating world, look at Matchgroup. Look at uh Bumble. All those stocks are in the tank. >> Look at Dixon Butthole Grinder. That. stock is going to the moon. >> Yeah, cuz men are horny. >> Exactly. So, if there was a straight. Grinder, that would be the best. performing stock in the history of the. world. >> Well, Caleb, there's plenty of straight. guys on Grinder as well, too. >> Plenty of DL. >> But you fell for a scam on Grinder. I I. did. >> via Grinder or.

>> someone else. >> was on there. >> No, like it was a Grinder account and. Okay. The only reason I fell for it was. because I had just gotten back from Las. Vegas. >> I'm confused how because you went to. Vegas, you fell for a Grinder scam when. you landed in Omaha. >> So, I got back in town and I had like. >> with with the five other gays. >> I actually went with a friend who I'm no. longer friends with anymore, which we'll. get to. >> So, I know a few things about Grinder. and I know it shows. >> What do you know about Grinder? Well, I. know it shows distance. >> Yeah, it does.

>> How many people are within 5 miles? >> It doesn't always show distance. So, you. can like toggle if it shows it or not. So, this account didn't have the. distance on it. >> Oh, and that's not a red flag. >> It was a red flag. I see. >> a red flag that you fell for a scam. >> Yes, I saw the red flags and I said, >> "Let's still go through it cuz I wanted. it to be real, you know, like. >> the scam." What was the scam? Tell me. Okay. What did you fall for that you? [laughter]. >> This is so embarrassing. By the way, I. would suggest it's more your behavior. than falling for scams, but I'm going to. go down I'm going to allow you to go. down this rabbit hole so I can learn you.

a bit more, but keep going. >> So, [laughter]. he this like account messaged me, right? And he's just they they're all fake and. they just always like message someone. They're like, "Hey, I'm looking for like. a baby, like a sugar baby. Like, all you. have to do is like. >> Oh, I was going to say cuz the other. Yeah, you you can't make a baby.". >> No. So, they're they're like, "Just. message me whenever. Like, just keep me. company. Like, I'm just a hardworking. man or whatever." And like I just need. like company and then he was like I'll. pay you like I'll give you this like.

money to deposit into your checking. account. >> for what to keep and then pictures of. this person. >> Yeah, he sent me pictures but they were. like. >> was he just trying to. >> No, like he was kind of prostitutionish. a little. >> I mean a little. >> which I'm okay with if people are. consensually doing it. Uh but honestly. he probably just wanted to breed. He. wasn't real like. >> Oh, >> like he probably was like someone in. like like New York or like Israel or. some And he. >> So he didn't even want the busy. Okay.

>> No, he didn't. >> Just wanted to. >> I just wanted the money, right? Like I. just wanted the money from that's it. And he just was like, "Just message me. whenever and then I'll send you this. money and you just deposit it and go. about your day." And that's what I did. And then I. >> he like get scammed. He emailed me these. checks, okay, from a company that was. not that was not like the company that. he told me he worked for or like did or. whatever, right? >> Well, I don't really know about email. checks. I've never been emailed like a. PDF of a check. Like I that's just what. he did. >> Are you? >> Yeah.

Yeah. >> Who's ever been emailed a check? >> Me. >> And how many checks were you emailed. from this? >> It's probably two or three. And I I. deposited them and then my bank account. my bank my bank was like, "Hey, these are fraudulent." And it like. bounced back. So then my bank account. went like negative like $5,000. >> You redeemed. Never redeemed. >> I Yeah, I redeemed it, which I should.

not have done obviously. >> How much was it? >> Like five grand. So then like my entire. checking account I know, >> dude, you're an idiot for that. That's. not even getting scammed, boomer. Yes, you technically got scammed, but you. almost deserved it for being that dumb. Digital checks. >> What What is wrong with you? >> I wanted the money, Caleb. I was like, I. didn't have any other money. Like, >> obviously, but listen, if this person. lived in Omaha, that's where I was like, digital checks, that's a little weird. Hey, h how about maybe drop off a check.

or how about you Venmo me? Or here's my. cash app. Here's my zel. Literally. anything that exists in our civilized. civilization. Yeah, I just didn't think it through at all. >> cuz I wanted it to be real. I was like I. know like you know I'm like all these. other people. >> You said there's other scams. What are. these other scams you're falling for? Which by the way, your miscellaneous. is approximately 25% of your. income that was spent last month. So you. it's not just getting scammed. You're.

destroying your entire life. BUT I WILL. ALLOW YOU TO CONTINUE to go down the. hole of ridiculousness. What's your. other scam? Other scam is an Instagram. scam. >> It's all DMs online. It kind of is. You're falling for DMs. >> You trying to slide in the DMs? >> You trying to slide? >> I'm a desperate gay, I guess. Like. desperate cuz you're not getting any. >> Yeah. Not as much as I want. >> Well, it is. >> Anyway, that's not the point. The point. is. >> No, no. There is a there there is a. reality that if uh if you are on Again,

I have a little grinder knowledge. I. like to do my research. You know, I'm an. educated dude. >> We need to explore this a little more. I. need to know like what your experience. is here with men. >> Have a good Christmas. >> Yes. >> Do you like movies? >> Yeah. >> Have you been with a man? >> Yeah. No. What? No. >> You talk like you've been on Grinder. before. >> No. I just find things very funny. But. once I go through and Oh, the the not. the lore. We know the lore. If you're. black on Grinder, you get blocked. immediately.

>> I'm getting a head nod from Colton. It's. usually no blacks, no fatties. [sighs and gasps]. >> You qualify in the fatty. [laughter]. So that's why you're not getting laid on. Grinder. It's that like this is Grinder. Lore. >> It's probably for the better, honestly. >> Well, yes, it probably is. You. definitely. Come on. You don't need to be taking raw. dick 24 hours a day. But. >> it's fun. But you're right. >> No blacks, no fatties. >> I'm not supporting this. I am not. [clears throat].

uh boosting that up, but that is kind of. what is that app is known for. >> Yeah, it's very. >> The gays. >> do not like non-abbed and the gays do. >> Yeah, I don't. >> you know and the gays do not like not. white. >> Well, I'm. >> on their hookups. You're white passing. >> I am white passing, but I am Latino, but. still. >> So, I'm sorry for that. So, but that's. why you're falling for these scams. >> Anyway, this. >> that's why you're falling for these.

scams. You get a DM, you get excited, you're like, "Oh, I feel my. buzzing. >> pretty much.". >> Okay. This like. >> like bodybuilder like workout guy like. messaged me and like literally right. like he had like a girlfriend or. something probably and was just like. >> asking if I wanted to like make money. really really fast. Why would when you. read that and you're not a how. would you read that and think that might. be. >> the dumb idiotic gay that I'm like, "Oh. my god, that's. >> the dumb idiotic gay." That's the top.

man just messaged me wanting to me. >> Gay men tend to be some of the better. off people in this country financially. So this is. >> Yes. Exactly. So, oh, the dumb gay me. No, you can't fall back on that. You. You're not a lesbian. The gay [laughter]. men are doing very well. >> They are. And I wish good luck falling. back on that stereotype. >> I. >> So what? They promised a lot of money. quickly. For what? For why? How much? >> Like it's like one of those like. investing things like you invest like. $500 and you get like five grand out in.

like a day or two. Yes. >> Oh, no. I've never even heard of this. You can't just say one of those. investing things. I've never heard of. this. What What is this one of those. investing? Is this an Omaha type? What. trading thing? What are you talking. about? Trading. >> like an online like trading platform or. something? I have no idea. I know. I. know. Because how do you put the money. in without even selecting the trade that. you're getting that return on. investment? It sounds like a quick day. trade, but what the. >> I honestly don't remember how I sent him. the money now that I'm thinking about. it. Cuz it was like a website that I had. to like sign up for and like make an. account and then I probably just like.

wired money over from my checking. account into it. >> You don't even know the site. You don't. remember the site. >> It's like Okay, another red flag that I. just like walked right pass by is like. >> you're too desperate for that. >> I really am. I I am. Um, the website was like Giant FX, but it. was like misspelled. So, it was like. Gates FX or some like that. Guys, I. know I know what is wrong with you. Again, again, listen, if you were robbed.

outside of your house, I'd be like, "Yeah, that sucks. You fell for the two. dumbest possible things ever." I almost. can't feel sympathy. >> I know. I do feel a little but the two. it's it's it's smaller than normal for a. typical scam. You're not a boomer who. got scammed about like with their kids. AI voice saying I need bail money or. something. >> I feel like I am like a boomer who's. like on Facebook and sees something and. is like oh my god that's so true. Like. >> how much and you lost 500. >> So yeah, I probably put in about like.

$500 $800 and then it like apparently. like went to like 16 grand, right? And. then I tried to like withdraw that money. cuz I want 16 grand. >> Uhhuh. >> And it didn't they like they just. wouldn't let me withdraw for some. reason. There was like something where I. had to like pay more, right? I don't it. was it was a scam. So. just I lost all that money and I tried. to like get it back. I tried to like.

like fight these people and like email. them back and forth and they just like. would not like give me my money. So then. I just. >> from gains fx.com. They didn't want to give you their money. back. Your money. Hm. Correct. >> That's interesting. >> Yeah. >> Is there more? >> Yeah. >> Okay. [laughter]. >> Okay. Well, actually this one's not that. bad, Caleb. >> This one's not that bad because I didn't. lose any money out of it, >> but I did. >> like go past a lot of red flags again, >> which is making me really concerned cuz. if we make a budget and we address the.

spending and you get on it, but you fall. for a scam, you run ruin the entire. thing. Exactly. >> This is very concerning. And again, this. isn't you got scammed a victim. This is. you're a falling for scams. >> That's why I need your help, >> dude. There's not much I can No, no, no. There. is not much I could do to say don't go. to gamesfx.com and give them unlimited. money or a faceless, distant profile. asking you to redeem something. And so. I'm just Door Dashing one evening and I. get this order and as soon as I get this.

order, I get a call from Door Dash. like. it says Door Dash on the thing and it's. some guy and he's like, "Hey, this order. that you just got," like he knew the. order, he knew the name. He was like, "This order was like accidentally. placed, so we're going to have you. cancel the order and then we're going to. like reimburse you for like your lost. time. >> or like wasted time.". >> And I was like, "Okay.". And he like he had like my phone number. and like my email, so he like made me. verify that. So that's why I was kind of. like, "This guy sounds like he's from. Door Dash. It says Door Dash." verified.

my information, but then on how he was. going to like reimburse me was. the other thing is he was like he like. had my bank account information or he. was like asking me for it and of course. me being the I was I was. confirming everything and telling him. what was in there and so then he asked. me to move all my money from my bank. account to like my Apple cash card. and then. >> dude what the.

You are just insane. >> I am. And then he gave me like a. >> Okay, pause. >> Okay, pause. >> I'm sorry. I just burped. >> Can we bring in the lesbian real quick? >> You want to bring her in already? >> Pause. Come on in. Hello. Oh, you're a woman here. Can you. lean in real quick? Genuine question. >> Yeah. >> Is your friend a. >> Immediate thinking is yes. [laughter]. >> Exactly. That's what I thought. Thank. you for your service. We'll see you in. the post. She's a very reliable source.

>> I'll see you in the post show. Thank you. and good luck on vaginas. >> So, we have confirmation that I am. >> Yes. >> I am not the brightest bulb in the. batch. >> Yes. >> So, okay. So, he asked me to move all my. money from my checking account to like. my Apple cash. >> I don't need the rest. I get it. You. fall for scams. >> Are you sure you don't want the rest? >> No, I don't. I want the I get it. You're. into scams. You get into scams and that. is a deep concern. >> I need your help, daddy. You know,

>> please. I see you help all these other people. Well, >> you know what's interesting? Some of. them. >> What's weird is we have a little. triangle. We have a little triangle. here. >> Oh, >> triangle what? >> To a certain extent. >> Well, you find me attractive. I'm not. into that. And that's okay. >> But but I I almost for a second kind of. found her attractive. >> Think a little. Just on the edgy side. On the edgy side. But she's not into me. No. >> And. and so.

>> you thought she was a boy. >> from a far distance away. Once I saw her. in person, I was like, "Oh, that's a. woman with. >> She used to have really really long. hair.". >> Oh, that's okay. We're not defending it. I'm just saying we have an interesting. triangle. >> She's going to like that you found her. attractive. >> I'll tell her myself. I don't give a. >> Okay. Okay. >> She might go straight for you. >> Stop. >> So, like in 23, I went to Las Vegas in. September to see Drake perform. >> two years ago. Okay. Or so. >> Yeah. That was that was a while back and. I was uh I went with a friend of mine. who. >> Why is that important?

>> Why is what important? >> Why is that important to this. conversation? >> Because I [clears throat] went on this. trip with this friend who I'm no longer. friends with, which I'll get to as well. >> Oh well, I don't know if I care, but. okay. >> You will. Uh. >> does it involve your money? >> Yeah, kind of. Anyway, I went on this trip with her to. Las Vegas where I had to go see Drake. And. >> is that where all this started? Is. that what you're trying to say? >> Pretty much. Okay. Cuz I told you I. spent my entire paycheck there in Las. Vegas. >> Oh, that's why 2 years ago. >> Yeah. And that sparked the sugar daddy.

thing which put me $5,000 in debt. >> Okay. So, you didn't have money. So, you. looked for the insta. Now, it makes. sense. You didn't have money cuz you. spent all months income. >> I think the Instagram one was before I. went to Las Vegas and then I went. stupid. Yes, I have always been stupid. And then. >> this guy's like, "I'll give you money. Just like message me." And I'm like, "Okay, let's talk about student loans. I. know it's something we all avoid talking. about, but if your private student loans. are crushing you, why refi might be.

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That is 89733978. Break free from the highinterest trap. and get your finances under control once. and for all. That's kind ofing 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 time. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. Scam or not. scammed, the debt you have is obviously. horrendous, but even without it, I don't. know if 2400 is something that we can. live with. And Omaha, Nebraska, sure as. a whole, but Omaha on the border of. Nebraska and Iowa. I don't know if I. don't know how livable longterm that is.

I mean, we're talking net a year, right? 28,000. >> This is a new job as well, too. Like, I. just started this in like September. >> I think that becomes the issue. No, >> I mean. >> get everything else under control and. you can't make you can't make a life on. that, dude. >> Everything's wrong. >> Everything's [clears throat] computer. >> The income's wrong. The spending's. wrong. The scams are wrong. The debt is. wrong. Your behavior's wrong. Everything's wrong. There's not one. thing looking up. >> Yeah, >> it's a fix across the board that's.

required. But there is no point of. changing one thing if nothing else. changes around it. If you change the. spending without changing the income, you're if you change the income without. changing the spending, you're if you. change both of those without changing. getting scammed, you're. >> without falling into scams. Not even. getting scammed. Falling into scams, if. I'm being very clear. How much debt do. you have? What's your debt number? >> Let's say like 30,000, >> let's say. You wouldn't know, by the. way, about 40,000. So off by a fourth. That's horrendous. What a percentage to. be off. Why are you How do you not know.

how much debt you have? That's. unacceptable. >> Cuz I try not to think about that. >> Try not to think about it. Why you're. coming on the show? [clears throat]. stresses me out. >> Would it not stress you out to have it. continue to go up instead of actually. tackling it for the first time? >> It does, but like I. >> It's a delay stress. >> Yeah. I'm more in like the instant. gratification, which is why I bought the. wand cuz I like really. >> How much was the wand? >> $20. >> Okay. What? Okay. What are we talking. about? I mean, $20. No, that's not. great. But miscellaneous You. spent 700. So, it's, you know, last. month. So, off. >> I mean, yeah.

>> Off. This doesn't make sense, dude. And. I mean, Colton's saying that you just. hate the idea of budgeting and you hate. the idea of taxes, too. Not that you're. you would you're not even paying any. taxes. >> You're one of the people, you're. literally in the bottom 50% of earners. in this country. Okay, that's fine. That's not a knock against you. >> Paying taxes, >> buddy. Listen, if you're paying any. taxes, it's consumerism taxes. Your. income taxes after everything and then. uh the standard deductions and. everything, it's going to be pennies. It's going to be pennies on the dollar.

you contribute to less your group and. this is I'm not it's not dogging against. you. You're in the bottom 50% of. earners. You contribute less than 1% in. income taxes in this country. >> That's fine. And that's fine. I'm not. even bitching and moaning about it. But. it's like how are you complaining about. taxes? You make $30,000 a year. >> You're the one being subsidized in. almost every way whatsoever. More so if. you had kids, but you know, don't get. that from bottoming. [snorts]. >> No, thank God. Um, so what are you.

complaining about taxes? What are you. talking about? >> I don't like paying them. >> But you barely do anything. I'm sure. there's sales tax in Nebraska. Maybe. there's a slight income tax, but even. with you're we don't even have a value. added tax in this country on a federal. level. What are you complaining about? >> How can you and moan but not be. willing to look to see what your numbers. are to accurately and moan about? Because. >> how can you even pay rent on this if. we're being honest?

>> It's a little tricky. >> What's your living situation? >> So, I live with my sister. We moved in. >> With your sister? >> Yes. We moved in. We moved in together. last year. So, she's 6 years older than. I am. >> And if I was her, I'd be nervous that. you can't pay rent. >> She's a little nervous. >> Yeah. No. >> I did. Okay. When I wasn't employed, Yes. Like, that makes sense. And I had. help from. >> Well, yeah. That's why you have an. emergency fund for emergencies, but. you've never had that cuz you spend. money on Ginda once. Yes. So, I was uh my parents were very kind,

which I was. >> kind in which way? The unkind kind like. enablement or kind like they told you to. off? >> Well, you'll probably think enablement. cuz they gave me money and I sake when. >> paid them back like this. >> How much? >> Like this summer. >> This summer? >> Well, yeah. I didn't have my job for. one. >> I was waiting for the high pitch. [screaming] to come out. >> Uh probably like. 1,200. I would say. >> one time or overall. >> Just one time.

>> Oh, dude. So, how'd that conversation go. down? >> I literally broke down to them. >> Great. You manipulated. They enabled. What a. wonderful relationship we have here. >> Listen, >> open ears. >> Open ears continue to exist. >> I know. I'm just like any any when I. think about saying this, it's just going. to sound like, you know, a victim thing, which I understand. So,

>> um yeah, I quit my job and I was. applying for a bunch of other jobs that. I was very qualified for and they just. like were not getting back to me. So, the job market was like very hard, especially in Omaha. So, I just broke. down to them cuz like my dad has worked. at a company in Omaha for like 30 years. >> Then why stay in Omaha? Take a lesbian. with you. go somewhere with opportunity. Omaha is not a place that's at least. nationally known for opportunity. Maybe. statewide, but you have the ability to.

move anywhere and do anything. That's. what's really awesome about. >> I don't think I can though. >> Why? Because I can't afford it. >> No, but sometimes even like it's not. like I want you to go into a First. of all, you can do things on the cheap. Even when I moved here to Austin from. Michigan, I sold almost everything. Packed up my sedan, came down here, barely spent a dime. Okay. And slept on. an air mattress for 9 months while I was. grinding to pay off debt. You can do. things on the cheap. You don't need to. go full bougge wherever you go. And yes,

places are more expensive. They have. more more opportunities. That is 100%. true. Live on the outskirts, live in a. small thing, split a studio with the le. and then, you know, you sacrifice. temporarily. And even if you have to go. in a little bit of debt as a good return. on investment to have wide more plethora. of opportunities to make way more money. and pay off your debt, that's kind of. worth it. By the way, you told Colton. $2,000 for mom and dad. So, you're kind. of I don't know if you don't remember or. you're lying. >> Yes.

More don't remember, I guess. >> Interesting. So, you can go anywhere. That's it. Just the cost. That's what. makes you nervous. Well, that and like. drop like dropping into a new city not. knowing anybody and like sounds. it doesn't it doesn't. >> No, take the le with you. She wants to. stay in Omaha. >> She has some family stuff going on as. well too that's like keeping her there. right now. So. >> forced to keep or. >> Well, her parents are like pretty sick. right now. So she's like the caretaker. maybe after that. I don't know. It's. this whole thing. I know. Um I mean I've.

just never thought about moving to. another city. I guess. >> really you've never thought about. opportunity elsewhere. >> No. Okay. >> Usually that's what the gays are usually. born with leaving their small Midwestern. town. >> I'm a funny gay cuz like I'm gay in some. ways and in other ways I'm like not gay. at all. >> But you are I can't think of one thing. that's not gay about you. Wicked. musicals Galinda Bottoming Fat Fem. Grinder. >> Daddy. >> Daddy Sugar Daddy Scam. You're very gay.

Very gay. Well, >> thank you. >> Hyper gay. Even though you broke up with your last. ex for being too fem, which is odd, but. my past exes are. >> gays are also the most homophobic, too. It's really weird. >> It really is. And like. >> you gays are creatures. >> Okay. My last ex was like a new like I'd. never dated anybody like that. Like. that. I I like manly men like you and. Brandon. Like like. >> I hardly even describe myself as like a.

ultra like. >> Well, you don't look gay, right? Like if. I just see you like you don't like look. gay right off the bat. >> Is that an insult or a compliment? I. don't even know. >> Whatever you want it to be, I guess. Like I don't. >> I just look like a dude. I don't know. >> You look like a dude. You You're thick. But. >> you're a thick, tall, dark, handsome. man. >> How am I supposed to compare with. Pearl's old boyfriend, Mr. Long, Tan, and handsome? >> All 5'9. Average American male. >> Seven. Dude, you're tall. You're tall. It. >> kind of does, but then you get to be a. little spoon all the time. So that's. nice. And. >> ain't little. You got to like, you know,

like. >> just [snorts] a little. >> He just literally rubbed my leg. That's. never happened. And that was assault. from that was assault. >> If we if I was one of those over. sensationalized freaks on the internet, I would claim you just raped me. [laughter]. >> Did you like it? >> No. Which is why I literally pulled my. legs away. I was actually relaxing and. uh stretched out. Um. >> stretched out. >> Uh excuse me. Can I Can I.

Yeah, you can. You can. >> Can I call in HR, please? You're a. naughty, naughty boy. >> I'm very naughty. >> Uh, welcome Valyria, everyone. She's in. the post show set with Oliver's other. crush, Brandon. But, uh, Valyriia, our. head of people here at Hammer Media. Uh, am I able to make an HR complaint. against the guest? Cuz I don't know. The. dude has just caressed my legs under the. table without asking permission. [laughter] or and I've very clearly. expressed no interest. Um.

>> I don't know if it's that clear. >> Uh-huh. >> I guess consent is flexible in the gay. community. [laughter]. >> You can make a complaint. Yes. Because. it's anybody that we work with or. >> are they technically worked? Well, well, he's he's in here on work premises. Uh. premises, you know, [laughter]. >> if uh you know, it it's as broad as. contractors, just anybody that we you. know, come a contractor, though. >> I know. I know. But anybody that you.

know, we have some sort of relationship. with that's coming into the office. >> Can I sue him for hundreds of thousands. of dollars? >> Can you sue him for. No. What can I do? >> What can you do? Um, you can lodge a. complaint and let's say if this. continues, if this continues, if we. wanted to do some sort of followup, um, if he continues making you. uncomfortable, we could ban him from the.

office. >> Oh, that's it? >> There's no upside. This is why we needed. to be in New York. [laughter] I could. have sued him. >> Is there an upside? Um, I guess if he. came in again and uh continued to do. this. and and maybe there was stalking outside. the office involved. >> He seems to know a lot about me. By the. way, [laughter]. >> not to give him to know a lot about me. >> I watched the show. >> I don't know the things I said.

>> I don't know if he turns up at your. house. Just take notes. I know what car. you drive. >> She's welcome to my house. [laughter]. Uh, >> I'm not. >> No. >> No. >> You can drop her off. >> My lesbian friend. >> Okay. So, a complaint. >> Yeah. Yeah. Yeah. I think that's. >> a lot of complaints. Very good. Okay. Thank you action here. >> WHR in chat. You never thought you'd. hear that. >> HR. [laughter]. Cool. >> All right. Let's jump into these. finances cuz again, I'm I'm skeptical of.

actually making a change to them because. they're just going to fall for another. bottoming scam. I don't even know. But. what do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the best. >> I have taken the quiz. >> Caleb.com. We love that. >> 1.3. >> Okay. >> I say that proudly with my chest. >> I know you're proud. Listen, take that. quiz. Caleb.com. See where you stand in. the world of finances. Where you're. doing poorly, where you're doing great, what you need to do to fix your situ. situation, get to a better place. Just. takes a few minutes and it is free at. caleb.com. And if you don't want to be.

like a guest who ends up on the show, make sure you download the dollar wise. budgeting app. It's incredible. tens of. thousands of subscribers for a reason. with new features being added every. single month to change your finances. Take control finally dollarwise.app. Take the free trial. See if you like it. And if you do, sign up for the annual. version to save a lot of money. And when. you do, I will personally sign my budget. friendly cookbook and mail it directly. to your door as a reward that only. exists for another month or two by the. time this comes out. Then it's gone. forever. >> Yeah. Where's the cookbook? >> So, here it is. And it's right to you.

Alrighty. [sighs]. What am I seeing? I see a Discover card, but not like a normal statement. Just. like the activity list. I mean, I see a. late fee out of the gate, but I don't. even see the balance on here, dick. What's the balance, dick? Why don't you. set a statement like we request? >> Probably like 5,000. >> Pull it up on your phone. You. >> I no longer have access to it on my. phone. >> Huh? Why you got scammed again? What.

happened? >> Maybe. Maybe. >> No. What happened? I like overdraw it. Like I'm like I'm maxed it out. So, >> but you can still log in to make a. payment. >> I can't. >> Yes, you can. There's no way. >> That's impossible. What are you talking. about? Is it in collections? Were you. not paying on it? >> Maybe. I was not paying on it cuz I. didn't want to or cuz I couldn't. Mostly. cuz I couldn't. >> So, you think the balance is. >> most Okay. This card. >> You think the balance is. >> It's like 5,000.

>> 5,000. What's the minimum monthly. payment? >> Oh god, probably. >> I mean, I see a late fee here in. interest charging like crazy. >> Probably like $300, $400 now at this. point. >> No, I know you're backed up, but what is. the normal minimum monthly payment on it. when we put it in your budget? I know. you have to play catch-up on it. >> The normal one was like 150. as a minimum payment. This was like the. first card, like the first credit card I. ever got to like build my credit. But. then I also.

bought merchandise with it which I know. you're very happy about. >> Why? >> Because the intention. >> momentary gratification over the. uh like you know. >> that racked all the way up to the five. >> Yeah, diva. It did. [sighs and gasps] It. did. Time. Okay. I was living with my ex. at the time. He was a bum. Okay. Big. bum. I open. >> Oh, we're going to blame it on someone. else. All right. Let's go. Let's go. through this. Is this the big fem? >> No, this is the one before.

>> Okay. Big mask. >> Yeah. Yeah. Big mask. >> Definitely not black. >> No, he's white. >> Yeah, >> but we'll call him Doug. >> Okay. >> Yeah. Doug. What did Doug do? >> Doug. >> Doug um didn't really do much. Like he. was uh working at a school and then. wasn't and then was only working like a. summer job. >> Okay. Why does this you. >> a boyfriend, not a husband, not a. partner, not a And it like does come. back to me where I couldn't like put my.

foot down. >> Listen, how long were you guys dating? >> Like two and a half years. >> Okay. >> And we we lived together. Like I had. moved in with him. >> What are you complaining about? What. happened though? >> Because we were like legit like broke. Like down to like paycheck after. paycheck. It was like. >> Okay. Well, that sounds like it involves. you too. >> It does. And I Yeah. Again, like I It. just sounds like I'm going to blame him, but like we just we just ate out all the. time. We like never like cooked indoors. that much or like. >> I can tell. >> you know and I just took the card out.

and we would just go out to the bars as. well in Omaha and get drunk. >> The bars in Omaha. >> Yeah, they have those here in Austin, right? >> How many are there enough to choose from. to really. >> There's a good handful. >> Applebee's. They have a bar. That is. true. >> I don't. >> Okay. >> Okay. >> Very good. >> I don't have a good like grasp on my. finances clearly. Um, and I was mostly. just like. trying to escape like my like home life. at my parents house. And that's kind of.

like why I moved in with him cuz I moved. in with him. >> No problem with the move in. It's your. behavior all throughout in there. And. then now you're just blaming it on him. So you can't blame him for you moving. in. >> I'm not going to blame him. I'll blame. me cuz I definitely like moved out and. was like, "Oh yeah, yeah. I'm on my own. I can do whatever the I want. I can stay. out. I can eat whatever I want.". >> How long was this going on? >> I mean, it's still going on, Caleb, if. we're being serious. Yes, obviously we. are. But you're blaming it on him. >> I was, but no, I'm not. But yeah. >> And then what is this with this Galinda.

Like. >> did you see Wicked? >> You're spending a time. >> Did you see Wicked? Like, have you seen. it? >> I literally said at the beginning of. this conversation, I like it. >> Okay. So, what do you not get about it? Like, did you see Ariana Grande? Did you. hear her say. >> Were you willing to let me finish my. sentence? >> Yeah, go ahead. I'll let you finish. whenever. >> Wherever, too. You asked Colton on the phone call if I. have a nice ass. >> I did. >> This is cuz you're always sitting. You're always sitting. >> I have an incred Yes. Yeah. I'm I'm.

thicked up. No. >> No. Why would I ever show you any part. of my body? >> You already showed me your belly when. you stretched. >> It wasn't an intentional show. >> Well, I saw it. >> Yes. Also, it's on my Instagram. You're. right. That is true. I I'm caked up. >> Do I follow you on Instagram? I don't. know. No, >> I would not know. >> Anyway, >> either way, >> I did ask him if your butt is cute. because I do like I mean, who doesn't. like a butt? >> What did he say? >> What did he say? >> I think he said, "Yeah,

>> yeah, that's what he said.". >> The correct answer is yes. >> Well, I know that. >> But no, you don't. >> Engage, man. I don't want to comment, but. >> yes, he said he's taken like you said. earlier. >> Oh my gosh, I'm surrounded. Okay, IT'S. FINE. JUST STOP. LISTEN. Can I have this. conversation? H. Colt had told me you've been spending a. ton on Wicked merch. >> Yeah, guilty is charged. So, >> you're mad you had to travel last night. because of a Wicked TV special. So,

we're going into debt like your lesbian. friend told Colton that you've spent. thousands thousands on Wicked alone. Thousands on Wicked alone. That is. insane. I didn't think it was. >> All while literally, listen, I have. another late fee on this next card. coming up. You're not paying your. minimum payments that are honestly. Yeah, they're they're they're chunky, but thousands on Wicked where you're. only making $2,400 a month, struggling. to pay our rent, making our sister. potentially have to foot the bill, making our parents 100% have to foot the. bill. [snorts].

>> You're Yeah, but she's nervous about it. And you're blowing all that money on. Wicked instead of making your minimum. payments. Wicked journal, Wicked. Blanket, Wicked Cat Toys, Wicked. Insanity, >> Wicked Insanity. Yeah, >> the Funko Pops. There's a jacket. There's a mirror I got that like lights. up that has like Emerald City on the. back. >> I have. >> But you're almost like proud of this. You're talking like you're proud. This. is disgusting. While your parents are. paying your rent, you're not making your. min payments. Why is this h considered.

considered acceptable in any way. whatsoever? >> Because I thought I needed it and it. would make me feel better. >> Need Listen, I understand when people. think they like need to go out cuz oh, mental health. Okay. Or I need food. Listen, it's still stupid and I'll argue. against it, but what how can you define. this as a need? >> It's an emotional support wand. What do. you mean? I I hold it and I feel like. Glenda and I feel like. like a good witch, you know. >> Are you eight? When I held a stick, I.

thought I was like a Jedi. That was. exciting. >> Is that Star Wars? >> Yes. >> Oh, cool. >> You're a 26-year-old. man. You don't need to put the quotation. marks. I know I'm insulting you cuz. you're upsetting me, but Starbucks is. and a waste of money. And you. already know that by making your coffee. at home and investing the rest. So now. you need to do that with your energy. drink as well. MAKE GAMER SUBS AT HOME.

FOR just 40 cents a serving. And. honestly, it literally tastes better. And we proved this accidentally via a. blind taste test in our Hammer Elite. show, Fat and Fatter. >> The number one ranked energy drink is. Gamers. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersubs.gg. or click that link in the description. below. Type in code Caleb. >> The number one YouTube membership won't.

stop growing. I'm talking about premium. shows every day, Monday through Friday. Exclusive [music] and uncensored. financial audit episodes. >> Obviously, your your time 100%. >> Financial [music] audit post shows. >> You were doing this behind his back. But. one of them I've actually never seen. this photo. >> Audit breakdown. >> Like we still don't film with people. like that. Like he is a next level. >> Our call-in show. Hammer it out. >> Put discipline into your [music] budget. That's what I was. >> fat and fatter. WHAT IS THIS?

>> BRAND. BRAND. >> And now two new shows. Behind the. scenes. >> Okay. >> And Lindsay's checkup. >> Did you get married? I got married. >> Smaller ceremony, but a big [music]. reception. Give me all the details. >> No other channel offers what Hammer. Elite provides. [music] Sign up with the. link in the pin comment or description. below. Join Hammer Elite, the best. membership [music] on YouTube today. Like did you like did you see the.

trailer for for good? Like her like. waving that thing around like. holds it like. >> Do you not care? Do you not give a. >> I guess I don't like. >> What are we talking? Why are we having a. conversation? Why am I wasting my time. with you? >> Because I need to care and I want to. care. >> I can't convince you. You don't. >> Okay, we're Can we like just like take a. second? Can I just boop you real quick. so we can just like reset? >> No, >> cuz this isn't a joke, dude. Listen, I I.

don't know. You're You think you're fun. You think you're silly. You think you're. cute. Shut the up. It's not. It's. obnoxious. You're obnoxious. You're. living an obnoxious life. You don't give. a about anything. And he let you. hear that laugh. His parents pay his. rent. His parents pay his rent. Well, he. spends on wicked. Thousands on. wicked. Disgusting. I'd be disgusted to. be your parents. I'd be disgusted to be. your sister. I'd be disgusted to be your. lesbian friend. I'm disgusted to sit in. front of you right now. You're an excri.

excuse for a man. Horrible excuse for a. human. >> It's hot when you say that to me. >> See what the am I doing? What do I do. with that dick? What do I do with that? How can I have a. productive conversation here possibly? >> Sorry, I'm deflecting. I flirt when I'm. nervous and you're making me nervous. >> cuz you're right. Like, yeah, I don't. care, but like I want to. Like, I need.

to. >> Okay, you want to, you need to. Why take. money for your parents, spend thousands. on Galinda, and then not make your. payments on your cards? Tell me the why. behind it. Why aren't you making the. payments? How about Can we just start. there? Why aren't you making your. payments on time? Huh? How about that? >> Because I don't want to. Because I I. can't. Like, there's just. >> Cuz you don't want to. Yeah, >> but you're spending [clears throat]. thousands on wicked. >> Correct. I don't want to pay the. predators. I don't want to pay. Money is. not real, Caleb. >> I mean, objectively it is. It's on your. paper. It's how you got the wands. What. are you talking about? We're not.

>> a construct. Like, it's literally like. it was made to control. >> Consent's a construct and you broke it. earlier. Okay. Doesn't mean we don't. follow it and it's not real, dick. >> Whatever. >> Okay. It's a construct. I think we can. all agree on that. Does that not mean it. doesn't dictate life and have an impact. on life? Then it. >> should it doesn't matter. Should or. would How does that benefit this. conversation whatsoever? It doesn't.

>> Like I said before, I like hope things. to be true. Like I just like believe. >> Does it work? 26-year-old failure. No, >> it does not. No. >> So, it doesn't matter. So, give it up. Give up that Why are you Why. are you latching on to the It's a. construct. It shouldn't matter. Blah. blah blah. That it that hasn't got you. anywhere. That hasn't got you anywhere. So maybe we try something different. >> Like what? >> Oh my goodness. Like thinking that. making your payments might actually have. an impact. Might actually be important. >> Okay. >> City Double Cash. We got $3,650.3.

Takes 12 years to pay off minimum. monthly payments only without any. purchases. But you don't make minimum. payments. You were late. There it is. Fees and interest. >> No, I got that card to like put um some. of the Discover amount on it and then I. like racked up the Discover one again. I'm sorry. the transfer from the. discover and then built up the discover. again. >> Again, this is why I don't like. bankruptcy or consolidation or credit. card transfers or personal loans to take. care of debts until we change our. behavior. Your behavior is out of. control. You're out of control. You are.

insane. You. >> I'm a wild gay. >> No, it's not cute. You think you're. being cute and silly. You're not. That. is not a cope to fall back on. It's not. You are an actual person on this earth. You get the choice to live a better. life. you are actively choosing not to. and then you're like, "Haha, I'm a silly. gay." off with that Off. with that. >> All right. All right. All right. Why not make your minimum on this, please? >> Because I felt like money could go. towards other things like my gas or like.

my food or. >> But it went to. >> It went to wicked stuff. Yeah, it did. It did. >> The ship doesn't benefit you. It's nice. >> It doesn't benefit. It doesn't have a. long-term impact. >> I mean, it benefits me emotionally, like. mentally. >> No, mentally. You remember when you said. you were too stressed to look at your. debt? >> Yeah. >> Mentally, not having to having a fully. fun emergency fund for the next time. you're jobless for a month, that would. benefit you mentally. >> You know what? You're right about that. [laughter]. >> That would mentally, wouldn't it?

>> No No dude. >> Oh my god, Caleb. It's crazy. It's like. you're right. It's like you know what. you're talking about. That's crazy. That's wild. Dude, I don't know. You're making me. have less hope. >> No. >> Than I normally feel in conversations. Um I mean, you've only missed your. payments for 3 months. So you were doing. So at least you you made payments on. time this year. Why haven't you. recently? Cuz you worked cuz I lost the.

job. And I. >> Okay. How much were you making in that. job? >> I told you I was working like 50 hours a. week. How much were you making? >> Like I to Okay. Hey, I worked there from. like November of last year to like. >> Why can you not tell me a number, dude? What is wrong with you? >> Because I don't know, Caleb. I told you. I don't look at that Like, I don't. >> But your complaint is now you're not. making enough. How can you even say that. if you didn't know what you're making? >> Because I wasn't making enough. Like I. like I just there was no money coming. in. I don't know how else to put it.

When I was in this sales job from like. November. >> So now you're not making your payment. now. >> Correct. >> You have this year. Now you are not. >> correct. >> So what is going on now? >> Cuz I just that goes to other things. like my rent and like my car payment, like my actual bills that I like really. need to pay. Like. >> which is why we had $800 of. miscellaneous last month. Yeah, that's. >> Yeah. >> Great. [snorts]. >> This doesn't make sense, dude. You're.

What a cope. What aing lie. What a sad. excuse of an existence. >> It's very sad. Yeah, >> but you don't give a. >> or your is just such an immense cope. shell that it's like horrible. >> Listen, gays are traumatized. >> No, stop with this. >> I know you said you're not a mental. health person, but like. >> not a mental health person. What do you. mean? >> Well, like that you're not like a. therapist or. >> no [snorts] obviously. And like. people come I don't support mental. health. >> Well, I know. I know. Daddy, chill.

>> What the hell is even that? >> Like you just take it. you hear what I'm. saying and then you just like run with. it and like take it to like the extreme. like yeah I got scammed three times. Yeah, I spent $800 on wicked stuff but. like. >> thousands on wicked by the way. Shut the. up and miscellaneous. >> Barely. Listen. >> Barely. I know. >> Listen. What were you saying? Every gay has trauma. No. Shut the up. This is not the world we live in. anymore. Shut up. I'm sure some do. Some.

come from shitty families. Uh some might. get bullied in school. I don't know. Come on. That you can't just fall back. on that. You can't. The nerd gets. bullied. The le gets bullied. >> You know, it's whatever. They're not. going to fall back on it for the rest of. their life. This is just so stupid. I mean, you have financed purchases in. here. They also. >> Yeah, balance transfer is 2,27 of it, but 1,384 was spending on as.

well. >> Well, I told you I moved in with my. sister, so. >> balance transfer interest free period. ends in just a couple months and then. you're at least it's not deferred. interest, but you are going to be very. soon. >> Yeah, >> just not in real life because you can't. get. >> like in a bad way. >> No, go to the gym. >> Will you be there though? >> H. >> Will you be there. >> when I go to the gym? Dude, you're. Something's wrong with you. >> a lot. If you couldn't tell. >> Quicksilver.

Oh, yep. Not making payments. You're a. failure. >> I can't wait to talk to your. >> to my lesbian friend here. >> Yeah. In the post show about how her. friend is an actual failure. Maybe she. can hold your feet to the fire. >> She has like she. >> like she does she keeps. >> Yeah. It's working so well. >> Well, right. It doesn't work because I. don't follow along. But like she does. like. keep on me when she like can. But quick.

$3,219.79. minimum payment 312 cuz we're behind. I'm going to say 150. I don't know is. normal. >> Sounds about right. >> Late fees interest 17 years to pay off. >> 17 years. >> Well, that's if you actually make your. minimum. You don't. So. >> yeah. >> So no much longer actually. I would say. >> who knows if I'll even be around that. long. >> The world is dying. >> Terminal. I don't know. The world is.

dying. >> The world is dying. Caleb. that missed that news. Well, I don't. think people say the world's not going. to exist. >> That's not what they say. >> Yeah, a lot of people say that. >> I don't think anyone says that. >> in Omaha. They do. in the middle of the. country. away from the coast and. >> Yeah, we're landlocked. Yeah, a lot of Jesus freaks up there. >> Uh-huh. So, what was this card used for? You racked up an insane amount of money. that of course now you're not paying.

Oh, good. Drake Taylor Swift. >> Yeah, I saw Taylor in concert on the air. tour. Obviously had to go do that. >> Yeah, I love to ruin my life for a. billionaire. Yeah, she's gotten Yeah, you're not a. Swifty. >> It's fine. I mean, I don't care. I'm not. anti-swift or pro swifty. >> I did see the other lady. I just watched. the video of the. >> I'm glad I don't give a. >> I don't care what you've done. I do care. that you've gone to Taylor Swift when. you couldn't afford it and you. yourself. >> Taylor Swift right here. Actually, this.

is a bracelet. >> Yes. You've helped contribute to her. billions because you're easy to milk. I. got it. >> Very easy to milk. You want to find out? I have to ban these jokes. Like, what is. happening? That's okay. And then you're. going to Colorado soon and you've. already paid for half the trip, but I. don't know. >> Yeah, it's like a skiing. >> You're over maxed out by hundreds of. dollars. You're not making your. payments. You're going on a ski trip. What kind of privileged disgusting. creature are you? Who thinks you deserve. that? Who thinks you're entitled to.

that? You go back to Omaha, dig a hole, and die. >> That's the nicest thing you've said to. me all day. >> This is just you're you're you're. contributing nothing. You're taking. everything and then you're going to ask. for a handout and cry for sympathy in. your future. you. Taking money from. your parents. You making your sister. stress? You. >> what is wrong with you? Colorado. Who. Who are you to go skiing? What a. disgusting animal. >> I'm actually not going to ski. I'm just. going to go like have fun. >> What does that mean? What does that look.

like? >> I just hang out with my friends. Like. it's a big friend group that's going and. they're going to go ski. >> Are they from Omaha? >> Yeah, they are. >> So that makes it harder for you to. leave. >> Yeah. There's no way Omaha doesn't have. a halfway decent. They have. opportunities there. It's not like a. major tech hub or anything crazy, but. it's like they have opportunities and. the largest city in Nebraska, I'm assuming. >> I'm not very You have a degree? >> I do have a degree. >> What's your degree in. >> psychology?

Why? Well, like every other person that. goes into psychology, I wanted to find. out what the was wrong with me and why I. was the way I was. >> Well, you're gay. No one cares anymore. >> Well, it was more than just like the gay. stuff. It was more like. >> Sure. Let's go with that. I mean, just. like the simplicity of like, >> yeah, it's your behavior, big guy. >> It is my behavior. >> Full behavior. I don't want to hear it. >> I don't want to hear it. I don't want to.

hear it. What's wrong with me? you. It's. your behavior. It's your choices. It's. your actions you're taking by choice. Galinda wand. Well, taking your parents'. money. It's disgusting. It's immaturity. It's you, a horrendous individual. Okay. Well, I'll get you an actual. certification in a career field that has. benefits and course careers. You choose. which one you want. A lot of people out. there have used it to get raises or get. a new jobs. >> Really? >> So, I'll gift you one. >> Really?

>> Yes. Sweet. >> Thank you. >> And you should use the Fizz card if. you're going to use a credit card going. forward because it it's a debit card. that builds credit. Fizz card. Debit. card that builds credit. Doesn't let you. spend more than what's in your checking. account cuz obviously you cannot manage. credit cards for You're not a. credit card person. off. Die. >> What? This is correct. And I was just. going to say I can't like I have a. really bad credit score as you could. probably assume. >> What is it? So if I like I sent a thing.

I think to the producers of like. >> then I will see it. I think. >> THEN I WILL SEE IT. OKAY. Shut the up. >> Oh my god. >> Oh like four mispayments this year so. far which again means you were making. payments at some point. I don't. understand where the transition happened. to not making payments. >> I decided one day I'm not going to pay. >> Care Credit. What's happening? >> My cat had a bladder obstruction in. April. >> Cat. >> Yeah. >> Q. You can't afford a cat. What a. selfish person. I got the cat with my. ex-boyfriend who I told you about that I. moved in with and he didn't pay for. anything on it at all. By the way, this.

>> Let me see a picture of your ex. >> Oh, okay. Yeah, if I haven't deleted all of them yet. Okay. Normal minimum is $71. You owe. $2,169. It's at its max. No surprise. And we're. past due two payments. We now owe three. 13 years to pay off minimum monthly. payment. Social media exists, you dumb. tit. We like putting pictures of. everyone's ex on screen cuz you know how. well they can pull. Let's find out. This is insanity. We're p We're.

literally were four cards in your past. on everything. >> You're not doing All while milking. other people and spending money on. >> which is that doesn't matter. >> Regrettably that doesn't. >> You're right. >> Huh? >> You're right. >> on everything you just said. And why. aren't you doing anything? Because. I just like gave up. Like I just feel. like there's noing hope. Oh no. I probably deleted all these. photos of him. >> Just Instagram. Are you stupid? >> I don't follow him anymore.

>> You can look people up if you don't. follow them. You are. What is wrong with. you? I swear sometimes. Whoa. I know we. get the bottom of the barrel. >> All right. All right. Let me go. Jesus. Christ. Like if you're capable of using. Instagram, come on the show. kale.com/apply. I'd be happy to take a look at your ex. so I can see what you're able to pull. My goodness. It's usually a fun little. detour in the middle of a bitter. conversation of insanity. That was the. first one. That's Doug. >> Looks very similar to Brandon.

>> Stop. Stop. >> To Brandon. >> And you like the Brandon. >> I do like the Brandon. >> Hey, Brandon. He just nodded at me. But. >> he sticks it in a hole. He sticks it in. a new hole every night. You might be. able to. >> play some convincing. >> No. A fatter Brandon. Well, actually, the dude's not like No. Yeah, definitely. got the thickness, but it's really in. the cheeks more than anything. >> Um,

>> Brandon, what? Why are you being homophobic over. there? Why Why are you saying it's it's. homophobic not to this man? >> I'll wear whatever you want, Brandon. >> You'll wear whatever you want, Brandon. >> Or nothing at all if that's what you. want. [laughter]. sexually assault Brandon next. >> So yeah, that's my exh. >> of me, >> which I have more tea on that for later. >> No thanks. >> No, you're going to want to hear it. >> I don't give a unless it involves. finances. I don't give a.

>> Oh, you just say that. >> it's a promotional balance. Deferred. interest. Oh, deferred interests in. >> just a couple months. Oh, you're so. done. You're so done. >> Yeah. So, my cat had a bladder. obstruction, so we had to go. >> You already told me that, are you? Yeah, but I didn't tell you like how much it. was and and like. >> Well, I have the balance. All I know is you are having deferred. interest that is acrewing hundreds of. dollars and it's all about to hit in a. couple months. >> What is deferred interest? >> Is that like later? Like it comes out.

later? Nobody ever told me this stuff, mind. you. They probably did. >> No one ever told anyone. No one ever. tells anyone. It's on you to learn. You're an adult. >> Okay. Here's the thing. your minimum. payment is $71. You're not even paying. that. So that's issue number one. Issue. number two, you need to make $425 to pay. this off before the deferred interest. period ends. Let's explain it. There is. interest free. This in 5 months, if this. was interest free, you're not paying. interest on it right now. It's not.

acrewing. It starts acrewing interest on. whatever the balance is once the. interest free period ends. Deferred. interest means it is acrewing interest, >> okay, >> behind the scenes. And all of that. immediately gets added to the balance if. you do not pay it off completely by the. time that date ends. >> That's kind of messed up. It acrus interest and then it'll attach. >> Well, but but if you pay it off before. the deferred interest period ends, you. don't have to pay interest balance. Balance the the interest isn't acrewing. to the balance.

>> Don't throw your calculator at me. >> I didn't. I put it down. You. [clears throat] sensitive little. Listen, the thing is that is not being added to. the balance right now. It gets added to. the balance if you do not pay off the. balance by the time that ends and that. is 5 months from now. >> Yeah, that that is. >> Do you understand? You asked the. question, I explained it. Do you. understand? I'm not getting much from. you. >> That. I need to pay the balance. >> No. How deferred interest works? >> It acrus over time and then it will.

attach itself to it if you don't pay off. >> basically. >> the balance. >> Yeah. By the date, the end of the. promotional day. Okay. >> You get it? >> Yeah, I think so. >> Okay. Happens uh beginning of April. >> Great. >> Yeah. You got to make a payment of 425 a. month or else your hundreds of dollars. get added to your. >> debt. We'll work on it. That's why I'm. here. We're. >> You'll be above the balance like crazy. We'll work on it. Dude, you're not. paying. You're late again. You're. endlessly late. You We're We're four.

cards in. You haven't paid a bill. You're a mess. You're a joke. You're a. disaster. You're an embarrassment. You're a failure. I'd be ashamed to be associated with. you. >> What? And. >> unfortunately, now I am. >> NFM. What is that? >> No money. Just kidding. It's Nebraska Furniture. Mart. It's like a. >> So, you had to get brand new furniture. >> You had to get brand new furniture to. move it to a place you can't afford. >> Actually, there's no furniture on this.

card. It's my laptop and uh AirPods. >> What do you NEED A LAPTOP FOR, BILL. RUNNER? THEY gave me a $4,000 limit. The. laptop I had was one I'd used all. throughout college, so it was like super. slow. >> What is your laptop? >> It was super. >> What laptop did you have? >> Oh, it's like a Wait, before. >> did. Yes, did. What do you think the. word did means? You. >> It was a 2013 MacBook Pro. >> Okay, that's definitely aging until. Intel. even get like system updates anymore. >> Yep. Yep. Yep. Yep. Yep. So, I want to.

get a new computer, too. Depends on what. you get. What do you need? >> What did you get? What did you get? you. >> You're going to be so mad. >> I will. What is it? >> It's like a 2024 like MacBook Air. >> Oh, okay. Well, okay. Actually, no. I'm. not freaking out. >> Okay. Well, you pro you got it more. upgraded than you needed for what you. needed to do. Absolutely. I would have. got more towards about 1,100 bucks. But. at least you didn't go MacBook Pro cuz. someone like you does not need one and. that is all I'm saying. Correct. So, I'm. glad you at least got the Air. But for. you upgraded more finally glad about.

something I did. Oh my god. >> You still spent hundreds more than you. should have, though. >> All right. All right. [laughter] Yeah. And I'm being told the. lesbian was so mad matter what? Get in. the laptop. >> Why is she even friends with you? If. she's. >> honestly, I have no idea. >> If she hates the way you live your life, why is she accepting this? >> I don't know. Lesbians, I don't I don't. understand them. Do you? >> I'm hoping to convince her, but no, I. don't know. I don't know if I. understand. >> That's my friend we're talking about. So, like, I need you to like just. >> I would stick it in. >> She wouldn't like that. >> No, but I would with consent.

Oh, right. >> Hold on. >> Right. >> Hold on. To be very clear. >> What did we just talk about? >> Come on, leg toucher. Shut the up. >> Who just came in here to talk about. consent? >> HR. Well, I said with consent, you. creature. You beast. You're the one. rubbing people. >> Weirdo. >> You liked it though. >> No. And I love rubbing people. I'm very. much into Okay, come on. But again, with. consent. >> again, I don't know why she's friends. with me. She's too good for me. I don't. deserve her. I really don't deserve her.

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So, and you said AirPods as well. Of. course, can't get a MacBook without. getting some AirPods. Seven years to pay. this one off. $54 minimum payment. Of course, fees and of course interest. >> This one I kind like you know. >> why selective this one? Cuz yes, you. made a minimum payment. Why selective. this one when it's a lower interest rate. than all the other ones? Why? Because. it's 18%. Is it great? No, it's but it's. not in the 30s like the others. So, why. this one? What is your logic? >> I guess I don't have logic. It's the.

>> No. Tell me why you're choosing that. >> It was because if I pay it off within. the year, it will Oh, no. Oh, no. >> No. Why? I'm trying to listen. >> I'm sorry. You're just like over there. like reacting. >> Yeah. I'm trying to listen to your re. >> to my explanation. Mhm. >> Okay. >> What was I talking about? >> Why you're choosing that card to put the. payment? >> Because when I bought the laptop, it was. like it's like 24. It was like a It was like a 12 months. interest free if you pay it off in time, but clearly I have not gotten close to.

paying it off. So, she's just chilling there. What? I just You're just the way you live your. life is a mess. What is this? What am I. looking at? You're in a debt program. >> Says debt. >> You got into a debt program when you're. building all your debt back up again. You What is wrong with. you? I like debt relief programs, but. only after you change your behavior. You. >> Well, as you as you saw, the minimum.

payments were quite a lot. >> Is that for all these things? >> It's maybe. >> Oh, every debt we talked about is now in. a debt relief program. >> Um, no. >> Huh? What? What is going on. >> there? >> Yeah, I'm being told no. So, this is. past debt. >> Mhm. >> Are you able to just say words? Do you. know what's. >> I just don't even know myself like what. it is. Like I. put in some cards. So it's like paying. off a balance and then I like brought.

the balance like right back up basically. is what happened. $128.72. on a monthly basis. Are you at least. paying that. >> Yeah. Okay. You owe $14,74. and this goes from. Yeah. a Capital One. We don't have a. different card, a synchrony card. We. don't have Yeah, this is. What is wrong with you? It's a 48month.

plan. Fees annual basis 6.25. It's. better than the 30% interest rates that. were probably associated with it, of. course. But it doesn't matter cuz you. racked up all your debts again. So, it. doesn't matter. You've just ruined. yourself again. You didn't use this as a. tool. You it. it. Why? What was the point without changing what. you actually did? >> There wasn't a point. I guess. >> you were just rushing for a solution. I. was. >> just like you're [gasps]. This isn't a scam necessarily. You just.

scammed yourself. Just kind of like the. other things. The other things were. actually scams, but you were stupid and. you fell into them. This isn't a scam, but you you scammed yourself because you. went into it. You built up debt again. Now you have double the debt and you're. >> Yeah. Um, what do I do with that? What do I do with that? Because I'm not. convinced you give a cuz you're. still spending money on today. This Galinda dumbass or you in a. Wicked's about to come out part two and.

you're really going to go overboard. Like, I don't know what to do. Your. income sucks. Your income sucks. Like. sucks big time. Yeah, it's it's all right. No, no, but it's. not. >> My other job that I had this summer was. $17 an hour. So, that was like And. >> you didn't even get the job yourself. The lesbian got you this job cuz you. weren't working. You can't produce. anything. You're not a provider. You're. a leech. You're nothing. >> Yeah.

I rely on others a lot. I'm very. codependent, I guess you could say. >> And how do you feel about that? >> Cuz I would be embarrassed and want to. change my life. I mean, it is. embarrassing, >> but like. >> but but you're not willing to do. anything. >> So, you're embarrassed, but you just. willing to do anything, but like. >> I now realize that like I need to. >> Yeah. median hourly wage in the Omaha. metro area is $30 an hour.

You're at 2/3. You're not doing well. You're not doing well at all. That. translates to $62,900 a year. >> Yeah. >> You're And you have a degree. This is. like it's insane. >> Tell me something I don't know. >> I I don't Well, >> I don't know what you know and don't. know cuz you honestly are pretty stupid. Is that all your debt? >> Well, in my car, I have like 13 grand on my car still, >> dude. Oh my gosh. Okay, let's see this car.

>> It's this. Yeah. Oh, this is it. I. thought this was the consolidation cuz. it's it's the same balance basically. So. I thought, "Oh, what are you doing? What is the car? What car do you have? What car do you. have?". >> It's a 2018 Subaru Forester. >> It is a full salvage title. I am full. Yeah. And I wrecked it twice. Well, I only. wrecked it once and I got into a fender. bender myself. >> What is wrong with you?

>> I'm gay. >> No, you can't fall back on that for. everything. You can't. I was looking at. the sunset and I was not looking ahead. of me and I hit a median. >> $14,2546. >> and I like up my front end. Like my. wheel popped. Like my bumper came off. Like it was bad. Like it was very bad. >> Why are you getting car crashes? Like. >> cuz I told you I was looking at the. sunset trying to take a picture. >> $34511. >> Yeah, that's every month. >> Well, no Yeah, your minimum. payment. No dude. Yeah. Yeah, it.

is. What's the interest rate? >> I think like 7%. Colton's also saying. that's the gayest excuse for a car. crashes ever heard. >> What? The sunset? >> Yes. >> I mean, that's what happened. I was in awe. Nebraska has the best sunsets. That's. why. >> Yeah. That's what. everyone knows. and considers. Guys, go to Nebraska for. the best sunsets in the country. That's.

>> agreed. Yep. I'm sure it's better than Florida. and. the Texas rolling hills or the Blue. Ridge Mountains or the coast of. California, the beaches of Hawaii. >> Well, I can't really speak on those cuz. I've never seen those. >> Okay, great. So, we can say this is the. best. >> Yeah. >> What do you think this car is worth? >> Like 10 grand. >> Do Do we have it? >> Why don't you give us the vent, >> I have it.

I guess I did not. I'm sorry. >> You can't send statements. Can't send. VINs. What the Who knows? I I'm sure you. have a dramatically negative equity. position in this car. And the interest. rate. >> 7%. >> Okay. It's on the teetering edge of. horrendous or not horrendous, but it. ain't good. I'll tell you. It's fine. So, I don't care. >> Do you need the V? >> No. It's done. It's done. It's done. It's done. We're moving in the checking. account. That's all your debt. No. student loans. >> No student loans. >> Good. How'd you do that?

>> I paid for school like out of pocket up. front and my parents helped me and I. lived at home. >> There's the real answer. They wanted me. They wanted me to get the college. degree. So, I did and then it still. didn't get me a. >> good enough job and I'm probably blaming. the degree on that as well and not. myself for like. >> well the degree is this job market we. have right now. But you are correct. Um. cuz you can build up a little experience. after the degree and still pursue good. career paths. You're 26 now. You're.

you're not 22 anymore. Okay. 265 in this. checking account. So I don't know why. you can't make minimum payments, but. okay. Apple bill Prime Video getting. some What are you stopping in. and getting $249? Huh? >> Where? >> I don't Well, this one's 365 Market. What is that? Whole Foods? I don't. remember. But you stopped in and you got. something for a couple bucks. So what's. that? That ain't groceries. That ain't. groceries. What are you getting in? What. do you stop in and get some. What is it? >> 365. >> What is it when you stop in and get some.

What is it? >> Like a coffee or like Coke or like food. or like. >> what a joke. Like. >> buddy, first of all, make your coffee at. home. It's cheaper. Well, you better. And now. >> make your energy drinks at home, too, instead of getting your Coke stuff. They. have a cola version. They have all the. flavors. It's really good. This gamer. subs 25 cents a serving 10% off. Link in. the description below or get your free. samples with code Caleb. Energy drinks. at home, coffee at home. No more going. Indian And it tastes better,

too. So, what the are we doing? This is. so stupid. AMC AMC. Apple bill. Apple. bill. I'm okay with Google One. Vandango. Prime Video. You went in and. got SOME MAKE YOUR ENERGY. drink at home. Make your pop at home. Apple bill. Going in some BS. Apple. bill. Xbox. new from Mart. >> I don't know what that is. >> Council Bluffford. Council. >> Council Bluffs.

>> Council Bluffs is the Iowa town. It's. like on the border. >> Are you giving them for. >> I don't want I probably Oh, wait. Is it. $100? >> Yes. >> Okay. I got like a ticket from Council. Blabs cuz they have they have like. >> coffee. Oh, they make coffee at home. No, you don't. >> I do make coffee at home. >> Mecca. If you go to Mecca, they will. literally throw you off a building. >> Where's Mecca? >> Cash App McDonald's going in and getting. some Getting some BS. Vapor. Maven. Yeah, of course. What a What's.

wrong with you people? I really don't. understand. Kohl's Burger. You're all. the same. Kohl's, Burger King, Fandango. again, Revival House. You're spending so. much on Going in against some. BS. Venuing out money. Probably paying. to get railed. Venuing out money. stopping in and getting some BS. Prime. Video McDonald's, pull up your phone, dick, >> pull up your phone, dick. >> Dick, pull up your phone. >> What do you want to see? >> 65 cents in servings. I will select what. I want to see. >> All right.

>> 65 cents. I'm not going through your. photos. Trust me, I'm not a idiot. >> There's a hidden album if you want to go. see those. >> Well, that's obviously what I just said. I don't want You know, there is actually. a weird double standard here. There. really is. There really is. I obviously. do not give a that he touched my leg. I. don't like, who cares? And I don't give. a that he's making those jokes, but. if I did any of this to a woman, my. career would be destroyed. Destroyed. And people aren't going to. give a about this. And I And again, I. don't either cuz I'm an adult. Like, who.

gives a. >> But it's a bad double standard. >> It's insane. Doesn't mean you should do it, though. I'd probably practice not being a. weirdo. Okay. In the cart on Amazon is a desk. and chair. You don't need it. Shut the. up. You do not need a desk and. chair, >> To work from home. >> There's the Melinda wand. There's a. >> I'm sure you're able. You're doing it. now already. >> What am I doing? >> Working from home. >> No, I'm not. I'm still working in the. office. What do you think a laptop is?

You know what a laptop is? >> They gave me a laptop. There you go. >> And I got a monitor, but like I don't. have a. >> I don't I don't give a about that. Nope. Don't need it. Put it on your. kitchen counter, kitchen table, anything. like that. Come on. That's what everyone. does. Shut the up. keyboard, mouse, coffee machine, brewing basket. And the Glenda wand of moronic and. dumbassery of stupid. This is so stupid. In the subscriptions, Apple Cam, I'm. okay with that. Apple Music. You can. have one of the music things and then. iCloud. It's not the worst. >> Um, we did have Apple Q, Apple TV, Apple.

Arcade, Amazon Photos. What? >> Yeah. >> And Flinch self-care pet. >> Finch. You know what Finch is? >> Nope. >> It's a self-care pet. It's really cool. >> That's right. It just said it was. self-care pat, but I that did not. You. are an actual beast. [laughter]. >> Okay. Did you put your number in there? >> I would be cancelled. I would be so. cancelled if I was doing this to a. woman. I would be destroyed.

>> Our culture is so backwards. Cuz you. shouldn't be cancelled for this. You can. be made fun of for this. >> I'm going to be made fun of for this. Good. you deserve it. But also, we. should also be able to tell him to shut. the up at the same time. Like, there is. a middle ground here, guys. There is a. middle ground. 97 cents in savings. You're a joke. 170 or any balance 223 in. retirement. What a joke. An. embarrassment. A sad excuse.

of a human. Okay. Your income is $2,400. Let's get these debt minimum payments. If you're actually a adult, $34,511. for the car. The Beyond Repayment. Service, $128.72. NFN. >> NF M. Okay. $54. Then we have to make $425 to the care. credit so that it gets paid off before.

deferred interest hits. Quicksilver 150. probably once you catch up. City double. cash probably 150 once you catch up. Then discover. 150. That is debt minimum monthly. payment of $1,42.83. >> That's just for debt. >> Yes. Chunky chunky $425. So you pay off. the credit before the deferred interest. hits. So we honestly probably won't be. able to do that. We got to absorb it. So. we might have to take it down from. $1,42.

$1,42.83. 83. minus $425 and then to the normal $71. minimum monthly payment. So, or. $1,4.70. or $1,0483. What's your portion of rent? >> Um 680. >> Your portion of utilities, internet, gas, electric, all that good. >> I literally had a book written down with. all of this It doesn't have to be.

an exact number. Um, for utilities 120. >> Okay, >> that's my half. >> Your phone bill. >> My parents pay for that. >> Okay. Do Helium if T-Mobile's good in. your area. Once you are done, they use. the same towers. Yes. >> Okay. I do have T-Mobile, so. >> Well, there you go. That's a much. cheaper version. Same service. Okay. Transportation. Vroom vroom. Drive. Drive. Gas. How much? >> Well, I do live closer to the uh. >> How much? [screaming].

>> Sorry. Uh, it's $40 to fill up my tank. I'd. probably fill it up twice a month now. So, 80. >> Insurance. >> 235 a month. >> This is already getting beyond tight. >> Yeah. >> $300 for food. Use the meal plan that. comes with the budgeting class. When you. take it, you. Oh, someone's pulling up. take the program and then do the meal.

plan. It's totally fine. It's based on. HB here, but you're going to have. something similar there, especially like. a Walmart TP fund. Anything else you. need to survive? $100. I can throw an. extra 15 for prep if you need it. Uh medical. >> prep like prep, like HIV prep. >> Yes, >> that was a funny gay joke. >> I mean, don't a lot of doesn't like. everyone take prep these days, dude. If. you're taking if you're slinging on. Grinder, take prep. Hearing you say. slinging come is crazy. >> Really? I say degenerate every 30.

seconds of my life. >> Yeah, but like. >> that's almost the most normal thing that. came out of my mouth today so far. >> I know, but like I'm across from you and. like I got like the full rage face and. everything and you're just like. talking about slinging And. >> are you not taking prep? >> I was, but now I'm not. >> Now you're just not getting any. >> Correct. >> So you stopped taking it? >> I called it by the way. I stopped taking. it before I stopped getting. >> Why? I want you. >> Because it was like it was one of those. like self. uh like where you had to like swab.

yourself and every time I sent in the. swabs they were like it was. inconsistent. They needed like more of. my swabbing and I just like could not. figure out how to do it myself. >> I don't know what the you're talking. about. But okay. Well, you wouldn't. because you're not gay and you haven't. >> People take prep as well, but I'm. >> Do you have to like swab all your. orphases for them? >> When I do uh STD, you're not taking up. the ass, are you? >> No, but I still take tests.

>> You still have to like test that. >> Well, swab what? I don't know what. you're swabbing. >> They swab your mouth. They swab your. They swab. >> I've never had an swab, but I do. a pee in the cup, blood test, and then. something for my cheek as well. Yes. So, STD, STI, of course, when we're having. some fun. Yes, absolutely. You got to be. safe. Okay. How much for healthcare? How much, dude? How much do you spend on. medical on a monthly basis? Co-pays or. whatever, therapy? I don't know. >> Well, since I just turned 26, I got. kicked off my parents' insurance. So,

now I have the health insurance through. my my new job. >> Okay. >> HSA before your HSA is a health savings. account. What are you talking about? Okay, dude. Okay, that get that gets. taken out before your net pay, but I'm. saying co-pays. Do you have an ongoing. thing on a monthly basis that requires. co-pays? How this you're you're. struggling with this question more than. anyone ever on the show? >> Let's say like $130. >> Okay. 130. Jeez. Okay. I'm assuming. that's like therapy and Is there a.

gym? >> No. >> What? You got something to say about. that? >> Yes. You're fat. Go to the gym. Okay. I'm going to put in $30 for the gym. Subscri. Do you not want to get healthier? >> I do. I do. I do. >> There you go. I do. I'm sorry. >> And the the the again the budget. friendly cookbook and the meal plan. >> Do you have like a little like workout. thingy too? >> No. But you have the what? It's that's. not finance related. But the food part. is subscriptions. I will try to do 30.

Let's see if it works. Let's try to do. 40. Um Okay. Pet pet food. How much? It's just one cat, right? >> It's one cat. >> How much for pet food? >> $40 is a bag. >> Okay. Huh? What's the age and health of. the cat? >> He is four years old. >> Okay. Pet insurance, 50 bucks. Cuz. obviously you can't afford when. happens. Anything else that needs. to be in your budget that I need to take. in account before this is done? >> Um like the debt to the to my old bank. cuz I think that went to collections.

That 5,000 from the sugar daddy scam. thing. >> Is there a monthly payment on that? >> No. >> How does the payment work back? What. have you talked to them about? >> I'm not paying it. I paid a little bit. of it. Like I would go in cuz they. closed my account with them. So I have I. would have to go into the branch and be. like, "Hey, here's $100 towards my uh. closed account that uh got closed by you. guys. >> and then I stopped doing that because I. decided I didn't. >> Okay. Well, we're not really freaking. out about collections right now. It's. not great, but obviously it's holding.

you back your credit. Okay. You're. underwater on a minimum monthly basis by. $453.83. And that's with making your required. minimum payments, not the minimum. payment that would be needed to pay off. the I mean it's clear that obviously you. need to fix your behavior is number one. or else there's no point to anything. even if you make more money. But number. two, it's time to actually look into. getting into a career, a career that you. like, a career that is dignified, a. career that you can see a long. trajectory on, something you can move up.

the ladder and bring in money. Right now. you don't make You need to make. money. Right now, you're going to go get. a second job to be able to at least. break even and hopefully start bringing. down the debts after you change your. behavior while you're looking for a more. full-time career position. That's what. you're doing. Maybe you take a. certification through course something. you desire, an actual career field that. isn't psychology. Psychology is a career. field. Not much you can do with just a. bachelor degree, as far as I know, though. You might have to go back. But. either way, I don't want you to go back.

and certainly I don't want you being the. person talking to people that need help. I mean, come on. [laughter]. >> Okay. I mean, >> you're not wrong. No, I agree. >> No, I'm not. So, you're going to go make. more money right now with a second job. You're going to bring in an extra. minimum. >> 453. I'd bring in an extra 70 750 bucks. You're going to work your ass off. You're working 60 70 80 hours a week. You're grinding to pay off this debt.

And then maybe besides the Subaru and. the debt consolidation, maybe you'll be. able to pay off the debt in a couple. years, but get into an actual career. field you like and then change your. behavior while you're going through that. process and start buckling down, paying. down the debt, build up an emergency. fund, and then you need to catch up on. retirement, too, cuz that's going to be. heavily delayed going into your 30s and. 40s if you continue down this path. But. again, all this is broad, easier said. than done. None of it matters if you. don't change your behavior. So, follow. the budget we made. go work a second job. right now and start take some career. assessments and take you need to get a.

better job. There's lots of things that. are easier said than done that need to. be done right now, but that's those are. the things you have to do have to do. Joining us in the post show, we're going. to bring in the lesbian and we're going. to talk about some more things we I. guess there's always extra that's. crazy that I find out. It's wild. But. let's get the hammer financial score. first. Spending in the budget, you. overspent 0 out of 10. Debt, you have. collection 0 out of 10. Emergency fund, there was nothing in savings, 0 out of. 10. Retirement. [music]. >> Uh, I'm not even considering that. Anything zero out of 10. Real estate,

you have nothing 0 out of 10. Actually, retirement is a 1 out of 10. One out of. 10 cuz at least it's there. Hammer. financial [music] score five out of 10. Get yours at cale hammer.com. Now click. that join button. Join hammer elite for. an extra 20 minutes of this episode and. every other episode of the financial. auto post show and three premium shows. posted every single day Monday through. [music] Friday. I'll see you guys there. Why are you friends with him? He's a. mess. He is a mess. >> I um kind of can't get rid of him. >> What has it been like being his friend. and watching him like circling the. drain? >> Seeing all the decisions he's made in.

life. Uh I try to steer him in the right. direction, but he just won't go in that. direction. >> 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 [music] description below. This is. the best membership you'll ever join. And that's a promise.