$74,000 For New Boobs | Financial Audit

I mean, I used to be a sugar baby. >> and he would you. >> Yeah. >> Okay. So, kind of like Okay, keep going. >> No. >> Bliss Aesthetics for $1,000. What the. are you doing? >> That is actually my deposit for my boob. job. I want a boob job. >> Your down payment on the aesthetics. thing is literally done on CLA. >> Yeah, >> CLA. [screaming]. >> Get your free trial to the Dollar Wise. budgeting app today. Hey, 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. >> Hi, I'm Stevie. I'm 28. My pronouns are. they them. I'm from St. Louis, Missouri. And this is Financial Audit. >> None of us could have guessed from the. hair. That's no the McDonald's fries give it. away. >> type of hair. >> Yeah. Who would have guessed? >> Yeah. Who? >> I'm obviously just like a regular.

straight person sitting in front of you. >> Uh-huh. Okay, great. So, what do you do. for Welcome. Welcome down to Austin. I'm. happy to have you. Austin especially. loves the they them. So, you're you're. extra welcome. And before anyone says. anything, I can't wash my hair today. Don't judge how I look. This is a. requirement. I can wash it again. tomorrow and I don't own any hats. Okay. So, what do you do for a living in St. Louis? Barista? >> No. Uh, I work in telecommunications.

Thank you very much. >> Being the assistant that goes and gets. coffee. >> No, I actually work like directly with. internet and phone providers and I build. proposals for our clients to be like, "Hey, do you want better internet?" Here. you go. >> Okay. Everyone likes better internet. That's good. So, sales. >> I don't see. No, you just create the. background. >> My role is not I am very much like the. man behind the curtain. >> Well, >> I pulled the um. >> the they behind the curtain. >> I'm the person behind the curtain. I.

pull all the information and I'm like, "Here you go. You have fun talking to. the customer cuz that is. >> Oh, wait. You actually prefer male. pronouns as well?". >> I prefer like So, when you said dude, bro, >> you know, I I don't like like girl. No. Are we. are we transitioning? >> No. >> Okay. I just wanted to make sure cuz if. we're preferring male things, so I'm. just like, are we trying to budget in a. future penis? >> No, I have one of those at home. It's.

fine. >> Oh, dildo. >> Well, I mean, yeah. And I and I've got, you know, another one that's attached to. a person. So, >> a boyfriend. >> I do. >> Oh, very good. Very good. Well, that. Okay. Glad to hear. So, what are you. making in this job? So during the school. year, they actually cut my pay. >> This is gonna make a lot of people on. Twitter happy. [laughter] They them. working with kids. Here we go. Okay. >> I love my kids. Um. >> yeah, you keep saying it.

>> And what So what do you make with this. cut pay? >> Um so they cut me down to 45. >> How many reading sessions have you done. in school? >> Reading sessions? I don't know what. you're talking about. >> What do you make? What do I make at at. job? Big big kid job. >> Well, please please don't do this. Oh, yes. >> Yeah. 45 a year at 36 hours a week. >> 45? How the are you. >> What do you mean? >> St. Louis is chief declining city in.

every metric whatsoever. In every way. whatsoever. Pretty much a horrendous. place to live. It's a shell of what used. to be a major player in the United. States. And I don't know why anyone. lives there anymore, including yourself. So, actually 45. I'm not saying you can. do well off that, but I could see. >> Okay, so you're staying for family. That. is the one reason to stay. That's the. only reason I would be in West Michigan. today if I was. >> No, I get it. But still, lack of. opportunities kind of equals that. $45,000 job. But 45,000 hours also. stretches more in a city where you can. get a house for $1. So it kind of makes.

sense. 45,000. How you doing? >> Um I mean I also work side jobs on top. of that. So clearly that does not get me. where I need to be. >> Well, what are the side jobs? What are. you making? >> The kids. >> Hold on. >> I do I do after school care and tutoring. Monday through Thursday. What. >> do you ttor? >> Um just kind of whatever. So the kids. are in the the younger ones are in. seventh grade and then I have two high.

schoolers. Um but pretty much I work. with the seventh graders. >> So what can I mark down as Okay, let's. go back to your main job. What can I. mark down as hits per month? >> Can I use my calculator? I have. >> You don't know just your paycheck. >> I get a I get a bonus. So 3. >> Use your calculator. >> Okay, thank you. [laughter]. >> Tutor, >> stop. 24,443. a month. >> 2443. >> Yes. >> Good. >> Yeah. >> And what can we say from the other jobs?

>> I make 390. a week there. That's not bad. >> No. >> The heck aren't you doubling down on. that? Right. >> Yeah. [laughter]. >> A week time 52 / 12. >> Work with the kids while they're at. school. >> Yeah. No, no, no. For sure. For sure. For sure. I get that. But even still, I. mean, are you working every single day, every single hour? Well, there you go. See, that's why I said, let's double. down. But either way, an extra 6090 a. month, right? I mean, that's not half. bad when we're talking percentage.

increase from. >> the school year. cuz my boss is like, "I. I hate the fact that you go back and. work with the kids during the school. year." And I'm like, "Are you gonna pay. me that?" No. >> No. I mean, I get that, but if we're. we're talking here all of a sudden. you're up to 4,133. Now we're actually times 12 talking. $50,000 a year net. That That's a big. change. That's a big increase. So, what's going on? What are we talking. about? >> I've got a lot of debt. And I just I I. want to forget about that. And I I don't.

want to forget about it, but I want to. like get rid of it. I want a boob job. I like. >> I guess they don't exist. I can see. that. >> No, no, they I I only wear sports bras, which is the ironic thing. I don't like regular. >> What are you trying to do? >> I want them lifted. I just want them. >> They're saggy. >> Yeah. >> My My family has really bad jeans. Yeah. >> Okay. So, you want you want what? A nip.

tuck. Is that what it's called? No. What? It's a breast lift. >> Breast lift? Yeah. >> Okay. You want a breast lift, you want a. perky and nice. We like perky nice. >> Small impact. >> Well, even though you're like a guy. >> Okay. Gender identity and gender. expression are two different things. Caleb, >> I'm lost already. >> You if you look at me, you're going to. think, okay, >> woman. >> Yeah, exactly. >> Crazy woman. >> But. >> woman, >> gender identity, who I am, does not. equal what I look like.

It's. >> okay. So, you prefer male pronouns. >> I want to make sure I'm respectful. I. personally don't care. Oh, but you. prefer the guy things. >> Terms like do. >> now there's pronouns and terms. Okay. It's not that I don't respect it. It is. that I am. >> It's confusing. >> Confused. >> Yeah, it's okay. >> cuz it's ever changing and everyone has. their own definitions and then the. moment you get it slightly wrong, you're. a Nazi. Uh, so. >> I'm open to questions. I'm open to. questions. No, I just want to make sure.

I'm being respectful. But also, I was. kind of confused why someone who I. thought was. >> kind of a guyish. >> them wants Yeah. their nipples to be. perky nipples, boobies, >> cuz I like them. I did want to have like. full-on top surgery cuz I was having. like really bad gender dysmorphia and. like body dysmorphia there for a while. >> There it is. >> And then I went like the polar opposite. and I was like, you know what? I want my. boobs to look real good. >> Um. That would have been concerning if you.

got a completely lifealtering surgery. How long did you have that thought for? >> A few years. It wasn't one of those like. >> um it was this was like 2021 maybe. >> Well, everyone was a little up when we. were locked inside. >> That's what I'm saying, you know. And. then like I I I let that pass. >> again. I mean, I think anyone should do. whatever the they want to do. I don't. care. But I'm also glad you didn't do. that cuz now you literally want your. boobs to be nicer. >> I know.

>> So what does this cost? What? So this is. what we're trying to budget for? >> Yeah. >> Well, what does this cost? >> It's 9,500. >> Oh, for sake. Okay, that's a lot when it. comes to your job. >> But it's not a lot for a boob job. >> And you're clearly just doing it for. yourself, right? Cuz like selfest you. just wear a sports bra, so you seem. flat. >> Yeah. >> H Okay. cuz I don't care what anybody. else thinks of me, but like I want to. feel good about it. >> Yeah. Do your thing full. Yeah, that's. expensive. $10,000 for.

>> Yeah. >> to get perky tits. >> Yeah. I'm not going to disagree with you. on that. On that the fact that I want to. get them done. >> What have you disagreed with me on? I. haven't even like said an opinion. >> I know. Yeah, we haven't gotten there. yet. >> Learning and talking. >> Okay. Listen, I want to know. Well, first of all, I mean, what hit your. account is going against everything what. you're saying. >> It was only 3,700 versus the 4137. that's supposed to come in.

>> I get paid through Venmo. >> Yes, I had Venmo come in of 1,1007. No, this isn't mathing up cuz even your. payroll was higher than you said by. $200, but the Venmo in was substantially. less than what you said. That is like I don't want to say. necessarily average. That's like. mostly what I get, but obviously there's. weeks where I am. >> I don't know what's average. I don't. know what's normal. Okay. But either. way, so that's what came in. 3,746. What.

was your outflow? Outflow. Total. outflow. Everything going out in every. way. >> Um I'm going to say 4,500. >> It was basically just under 6,000. So, what the are we doing? How do you get to. the point of being able to afford a. $10,000. >> boob job if we are spending thousands. more than we make? What are we doing? Do. you live with the boyfriend? >> Yeah. >> Okay. So, is that why you your life is. probably subsidized? Is that why you. think you're able to just go spend more. money than you make and not see the. massive amount of consequences? You.

will, but it catches up a little slower. >> It catches up a little slower. >> I think it'll be worth it. >> What is this? Well, actually, no. That doesn't even. make sense because I'm literally. Lindsay's telling me that you you. actually just want to break up with him. >> So, what the [ __ ] Wait, he's here. >> Wait, he's here. Listen, if he's the. only reason you're able to survive right. now, but you're about to. >> You want to break? >> It's okay. >> What are we doing? You're going to.

You're going to be in the dirt. You're. going to be in a ditch. >> No, I have backup plans. >> What's your backup plans? Mommy and. daddy. >> No, my grandma. Oh, for sake sake, dude. You're saying that at 28? What a joke. That's why you've never made any. progress in your life. That's why you've. never done anything. That's why you're. prioritizing a boob job over literally. anything else that would benefit your. life because people will be there and. bail you out. So, you've never had to. grow up in your life. >> I absolutely have.

>> What? You're dressed like a clown. >> I am not. Okay. >> No. With the hair and everything. So, where's the grow up? But I don't hear. the grow up. >> Just because I have yellow hair, you. think that I can't be a grown-up? >> Yes, >> I work an office job. I got the office. job with the yellow hair. Okay. >> Well, yeah. I'm not making an office. pay, but correct. >> Well, that's it's a super small company. and the office. >> I'm a super small company. I pay good. money. >> Well, yeah. Yeah, that's different. though. That's because like you actually. care. My boss doesn't care about his.

employees. >> So, a grownup would go get a better job. Grown up. Have you have you tried Have. you looked at the job market? I. literally have. >> I have the analytics. It's not the best. job market right now, I will say. How. long have you had this job? >> I've worked here for over a year now. >> Okay. Well, it was a little better a. year ago. Over a year. >> It took me six months. Thrilling seller. No. >> Get this job. What? >> Huh? >> It took me 6 months to get into the. show. >> Well, things Okay. Well, she's also. Lindsay's also telling me that things. are on the rocks at your current job.

[laughter] Like, so break up with her. boyfriend. Like the only reason that. we're able to even like stay afloat and. two things are on the rocks of the job. I don't even know that. >> Me the job thing is not my fault. >> Says every coloredhaired woman. >> Okay. So they're apparently implementing. a new AI program that is going to be. specifically affecting my department. >> Well, AI is good at not cancelling their. employers on Tik Tok. >> I Nobody Nobody knows. >> Girl, the moment you get laid off,

you're going on TikTok and talking [ __ ]. about that company. Oh, no. I'm not that. type of person. >> Uh-huh. >> I. >> talk about things with people that are. close to me. >> Because it affects my life. >> So, what's on the rocks? Tell me. >> So, okay. >> Cuz that's your entire that's like. that's uh 70% of your income source. >> I know. Literally a week ago, my boss. called me into his office and wanted to. offer me a different role. >> The evil boss.

>> Yeah. Oh, he hates me. A different role. >> Yeah, he wanted me to be on his team. Granted, keep in mind, two weeks before. this, my supervisor was on her. honeymoon, and so I was taking on like. the brunt of her role, making sure. everything got assigned, making sure all. the work. Welcome to a small business. You need your job. >> Yeah. And that that is no problem to me. I do not mind doing that. However, while. she was on her honeymoon, he brought me. into his office and like bered me, docked my bonus, saying that I was. making Why?

>> But I literally mistakes there were. three months in a row. >> Instead of being defensive, try to take. his perspective. >> Absolutely. I But I I agree. I agree that there were mistakes MADE. I'M A HUMAN, CALEB. I'm a human. >> You're a human. But guess what? There's. another human out there that'll take the. same pay, if not less pay, and have less. mistakes. >> Okay. Um, sure. >> So, you're really just I mean, >> Sure. But. >> you're you're having an agreement. It's. you and employer to do a job to get the.

pay. >> But when I ask, >> if you're not doing the job they want, they will not feel the desire to pay. you. They will go find someone else that. will do the pay and the job. >> However, why not tell me my mistakes? >> Well, it sounds like he did. >> No. >> Yeah. >> He literally. wasn't going into detail about any of. the mistakes. He kept it very vague the. entire time. I asked questions. Don't. know if I trust your interpretation of. this event. >> Fine. that's, you know, you don't you. don't have to. But I asked him. specifically like, "Okay, what mistakes?

Like, what can I do to like, you know, do better, you know, what are your. expectations?" I mean, he's like, "I'm. not going to go into detail about the. whole thing. Just know that, you know, we're we're just noticing too many. mistakes." And. >> if that's true, then that's bad. management on his part for sure. Again, interpretation. I'm curious. But he said. he offered you another position. So, if. things are on the rocks, it doesn't. sound like it. >> Back to that. So last week he wanted me. on his team. After he's yelling at me.

about making mistakes, he's like, "I. want you to join my team and be his. assistant.". >> Assistant? >> Yeah. I would be working with his. clients one-on-one and. >> same pay. >> Uh-huh. And I would be building. proposals, doing the thing that I'm. already doing. >> Well, you were talking Well, it's a. small business, so a lot of people take. up uh uh you know, you do multiple jobs. We do that here. This happens. Okay. That's normal. So, what's the concern? You mentioned like an AI thing. What do. you What's the concern? >> Yes. So, I, you know, he wasn't going to.

offer me more pay. I was going to be. doing more intensive work than what I. currently do. And I love my department. My supervisor is amazing. She's so. >> great. Okay, go on. >> So, I told him, I was like, you know, thank you for the offer, but, you know, I think I'm just going to stay in the. department for the job that I was hired. for. >> And then, >> probably not good job security, I'll be. honest. He goes, "Well, you know, once. this AIA program gets implemented, we're. going to have to be cutting someone from. your department, probably somebody who.

doesn't work a full 40 hours a week. >> Do you work a full 40? >> I work 36, which is still legally. full-time in the state of Missouri.". >> He said 40, though. >> I know. He was specifically singling me. out. >> Yes. >> So, I literally said to. >> Okay, so take the other job. Little bit. of self-preservation here, lady. >> No one's entitled to a job. >> I cannot. >> His his assistant hates me. Yes, but you. might be temporarily taking this while. searching for another job. >> I can search for another job. >> Yeah, but I want you to collect an.

income while you're searching for the. other job. What are you stupid? What are. you talking about? You're trying to get. 10,000 hour boobs. >> Yeah, >> that's not even in the conversation. If. you might be laid off and you're not. willing to do any kind of. self-preservation whatsoever. >> What? What are you talking about? >> I'll make it work. >> How does that work, please? In detail. That sounds like a great plan. Caleb, I I have been in so many. different roles. I've done so many. different things. Girl, you're 28. Shut. the [ __ ] up. Go on. >> Fully capable of finding something to.

make it work. >> Well, as we've both confessed, this is. the worst job market since the Great. Recession. >> Yeah, and I get that. But if I needed to. take on some shitty like two part-time. jobs doing whatever, >> would they trust you? >> Would they trust me with what? >> I don't know. Other than Starbucks, you're a walking red flag. No offense, >> dude. I've been in management positions. since I was 19. >> Girl, you're making $45,000 a year. management because what are you talking. about? >> Because I. >> That's not [ __ ] on $45,000 a year,

by the way. But it's just like you're. not going to be able to jerk yourself. off with that. >> No, I finished my degree and I changed. career paths because I was tired of. working. >> This AI thing, who even knows if that's. true? AI is like the actual analytics. about job replacements aren't even 100%. great. It's just a shitty job market. right now cuz tech overhired and money. is expensive to borrow and it's like. >> fear tactic thing. >> It it may have been. It may have been. >> That's why I was like. >> which why not do any kind of. self-preservation?

Take the other job and then apply for. another job like it's your full-time. job. >> I mean. I could do that. >> So you're not breaking up with your. boyfriend because I was told. specifically beforehand that you want to. break up with your boyfriend. We have. had. issues. >> Every relationship has issues. >> I know, but it's like. >> But literally, you guys live together. It's the only reason you can afford. bills. >> Stagnant. >> Yeah. The relationship is just like It's. like we live two separate lives.

>> Okay. Tell me. >> Like I mean I work a lot. >> I'll probably bring him in the post. He. doesn't like the fact that I work a lot. >> Okay. when I get home at like, you know, 7:30, 8:00 p.m. and then it's like I need to. eat, we'll watch a TV show together, and. then I'm going to bed and he's like, "We. get no time together and everything.". And I'm like, >> I get some of that on the opposite side, too. But she doesn't, it doesn't turn into a toxic thing. She.

just understands that I worked my ass. off. But then it's like, you know, he. wants to complain that I'm working all. the time and that like I don't have any. time for him. But when I am home like on. the weekends like. >> Well, how long has this been going on? If this is going to be the big. >> We've been together for almost 3 years. >> So what the So are you breaking up or. not? >> We are working on it. We almost. >> told you want to break up. >> We almost did. >> Okay. Where would you lean right now on. a metric of breaking up? 0% is not. breaking up 100% is 100% breaking up.

Where are you on the the scale? >> I'd say 50 cuz I want to give I want to. give it a chance because our. relationship dynamic the the the idea is. like our relationship dynamic needs to. change. >> Well, you hit him out of the gate when. you guys first started seeing each other. that you wanted to be open. So, you. wanted to. >> immediately. >> I Well, I told him that like I want a. polyamorous relationship. >> Open is fun. It can be fun. Having sex. is fun, but it has to 100% agreed by the.

other person. Not agreed out of. pressure, though. They want to also be. actively want to be open. >> I get this. >> But he doesn't, as far as I at least. know from the nose. >> Well, we That's what I'm saying. We. almost separate. >> The only way you can keep a roof over. your head right now is with this guy. But you're trying to go take. >> No, I want a girlfriend, Caleb. >> So, you will only women? Yeah. >> Only strictly. You will never see a. thing. >> I don't want an open relationship. I. want a polyamorous relationship. I want.

us to have a girl. That's what I'm. saying. We had a conversation about it. He said that he was willing to try it. that, you know, he would be okay with. that. But he's never been in a. polymerous relationship. So, I told him. like therapy. Yeah. >> And. >> Yeah. And I loved it. >> Well, you're not. So, it probably wasn't. perfect. No, I'm not now because well. she told Sounds like it didn't work. >> Because she wanted to break up with him. They were together for 4 years before I. joined into their relationship. >> Why are you trying to up this thing that. is literally I know it's not perfect. No.

relationship is perfect, but again I I. want to preface this. The only reason. you're able to survive right now is cuz. you split bills with someone else. Like what are we doing? like you're. about to off in a massive time while. also being on the chopping block of. getting laid off while also trying to. drop $10,000 on making boobs perky while. spending 2,000 more than you make on a. monthly basis. Like none of this is. stacking up. >> Happiness is important. >> Happiness is important, but you're. literally on the edge of losing. everything. And trust me, you'll be a.

lot less happy than you are right now on. that other side. >> I'll figure it out. >> No, that's okay. Tell me. I'll figure it. out. Listen, this is that's something I. hear all the time. How about you give me. some details cuz I'll figure it out. itself is not a plan. So tell me the big. grand plan. >> I have been in like every single. industry I can. >> not about what you've done. Tell me what. your plan is. You. >> plan. >> in this job market. The worst job market. you've ever seen in your lifetime as an. adult for sure. >> Go back to doing full-time child care. Easy. I have connections.

>> How much were you making doing that? >> I make $30 an hour with the kids. >> Why aren't you doing that? And stop. saying the kids are. >> Because I want an actual career. I love. it. This is my passion. Like like do. >> you literally told Lindsay earlier that. you couldn't work in child care. full-time. >> No, I. >> 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. exactly what you need. They don't rely. on your credit score alone. They look.

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drink is gamer subs. >> Literally the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it. For 10% off your. order at gamersubs.gg. or click that link in the description. below. Type in code Caleb. >> because kids are. >> in school. >> Oh yeah, yeah, yeah. That but that's. what I'm saying. Like I can't work with. those. families full-time because they have. school. I.

>> feel like you don't know what you do. Would you have a full-time job? >> What do you mean? I would probably just. work with another family during the day. like, >> okay, if you get it, again, I feel like. uh as things cut back in a recession, you know, not necessarily taking care of. your kids cut back, but the more. frivolous spending things and sometimes. having someone over can be considered. frivolous spending. I'm not saying you. wouldn't be able to find something, but.

your your plan is that will 100% work. kind of makes me scared. >> You're saying that that's an option of. mine. >> Okay, that's an option. What else is in. your grand plan here? Um, I could have a. roommate. If things don't work out with. a boyfriend, I could always get a. roommate because like we just had an. issue not too long ago. Like he didn't. pay me for his half the utilities by the. end of the month. >> He thought that it was okay for him to. wait until the third, whatever he gets. paid. No.

>> Okay. >> What's agreed upon? What's been agreed. upon? agreed upon in the entirety of our. relationship was that he would pay me. for his half of the bills before the end. of the month. >> So why is heing it? >> It's happened so many times and like. this month I was like. >> and that got you close to breakup. >> That was like one of the big reasons. because I'm like we have a financial. responsibility together, right? That's. what you're saying. So then why am I. fronting everything and then him just. being like oh I can just pay whenever I. want. >> I'm so confused. The notes I'm getting.

so many just weird things. Okay, Stevie, who is you, wants an open relationship. so he, as in him, can sleep with other. people. >> Well, I. >> This is such a mess. >> I have a medical problem. I get chronic. ovarian cyst, so sex is very painful for. me. >> Stop. >> Oh my god. I wish I could. >> Or take it in the ass. I don't know. >> Oh no, no, no, no, no, no. Thank you. We're openminded here. >> I will pass. >> That I was joking. Keep going. >> Yeah. Um. >> Okay. Yeah. You get sis in your That. sucks.

>> I do. It hurts. >> Yeah, that hurts. So I always. >> I I feel them. >> So you. >> I can but it like it has to be ve it's. like it's like doing surgery, you know? You have to be like very methodical and. like very planned out. It's got to be. like a whole thing in order. >> So you want him to go some people? >> Yeah. >> Does he? >> I mean he's he's a man. He gets horny. and sometimes I'm like I physically. cannot. So. >> Oh, he does. I I honestly don't think.

that he wants to go other people, but I. want him to be able. >> This is such a mess. >> Welcome to my life. >> Yeah, what are you doing about it? You're about to get laid off and you. aren't accepting that job change. >> You're doing nothing. I'll get you a. course career certification to help. boost your skills. So hopefully you can. get a different job a little easier. I'll get you that for free. >> MBA, but I want to get my MBA. >> Okay. How are you paying for school and. taking the income? >> That's why I'm not doing it yet. >> Okay. Well, apparently you're saying a.

lot, but yet you're doing nothing. You're literally putting yourself on. that edge again in your relationship, in. this job. >> Yeah. >> So, what the [ __ ] are we doing? And not. just cuz grandma will take care of us. That's horrible. How old's grandma? >> 68. >> I hope she's healthy. >> She is. >> good. But you won't be able to rely on. her forever. >> No, I'm not trying to rely on her. I'm. just like like she's. >> Oh, you're bringing it up now and all. this [ __ ] cuz you found a girl on a. queer local Facebook page. >> No, no, no. She's my best friend. She. she has talked about how she like she.

wants to date me. >> You want to bring her in. >> But no, no, no, no. Her and her partner. >> What the [ __ ] is up with this guy? >> No. Her and her partner are in an open. relationship. That's not what I'm. wanting. But I would like to date her, but that's not that. >> Okay. >> She better be hot. Perky tits, I guess, if that's what you're into. >> Well, it she's probably not going to be. your type, but I think she's cute. >> I don't know. Well, then how can you say. >> you make fun of me for having yellow. hair, so I'm like people like me.

probably. >> I've never seen that color before. >> Oh, okay. Well, >> does it look good? >> Huh? >> Does it look good? >> You're thinking awfully hard about that. and I don't. >> No, I've already made my conclusion. I'm. just staying quiet. It's just, you know, it's it's not My hair doesn't look good. today either. That's okay. We can we can. both be struggling together. >> So, this is us at the MCR concert. So, it's not like a great representation of. what she looks like. >> Can I see a normal picture by chance? Cuz that's.

>> scary. >> We went um. >> it was emo scary. >> Hey, we went dumpster diving and we. found um these like two fully put. together mannequins. It was super funny. Actually, let me just look at my. Instagram. >> Stay in St. Louis. >> We don't need to unleash [snorts] you on. the rest of the world. >> Are you sure? >> Okay. I. Which one is she? >> Not the [clears throat] one with yellow. hair. Or I guess I didn't have yellow. hair at that time.

>> Yeah. Yeah, you looked a lot more. normal. >> I Yeah, I did go normal for a while, but. I didn't feel like. >> This is a wood. This is a run and hide. >> Here, I'll show you what my hair did. look like whenever. >> No, that's okay. I don't need that. >> See, cute. >> That's you. >> That's me. >> And that's a run and hide as well. See, the last picture is a wood. That is a. run and hide. Just saying. I'm going to. be candid. >> To each their own. >> Well, you literally put on clown makeup. in that photo. So, yes, I'm running and. hiding, whereas in the previous picture,

you were attractive. Okay. >> Okay. >> Before we get into these finances, again, your plan, this grand plan, I. need to just hear where your mind is at. Grand plan. So, you said you can get in. childare. Maybe you can, maybe you. can't. It's hard to just rely on one. thing. What else? Grand plan. >> I mean, I used to be a sugar baby. >> To who? to what what did that look like? >> It was great. >> What did that look like? That's not an. answer. >> So it So I met him on a website and.

>> was a man. >> Yeah. And he came to visit me. This is. when I was in college. We like we. actually had like a really good. relationship. Like we had a lot in. common. And. >> how old were you? >> I was 20. two. >> How old is he? >> He was my mom's age. So I think he was. like 40. >> Okay. Were you hot? >> Was I hot? >> Yeah. >> Yeah. >> Okay. >> When have I not been? >> Yellow hair.

>> Go on. Yes. >> To incorporate this back into the grand. strategy. What did you make? How did it. work? >> I mean it it like it kind of varied. Um, so like I got I got paid like an. allowance every time he came to visit me. and he came to visit me every weekend. >> and he would you. >> Yeah. >> Okay. So kind of like pro Okay, keep. going. >> No, >> it was like a relationship that you got. an allowance. It was a relationship that. had a financial advantage.

>> That's how I would like to put it. >> That's how you would like to put it. >> We like texted all the time and like. talked all the time about just like my. Okay. Anyway, um and he would like take. me places. We would go to like Cardinals. games. We would um just like go travel a. little bit. And well, also. >> How much were you making? >> I don't know. This was so long ago, Caleb. I would say probably like. >> Well, if this is a part of the grand. plan, if we get.

>> Okay. Not. >> So, what are we making? What were we. making? >> It wasn't I mean, it was probably pretty. on par with what I'm making. My job is. not grand a month. And it was just one. guy. >> Yeah. Consistently. And then I kind of. had like a manic episode um and. so I ended things with him. And then I. have I had a few more moments um where. like one guy I met. >> who lived in Alaska and I like flew to. Alaska and we were going to like get. married to strangers and then I met the.

guy and I was like absolutely not. But I. did have a 4-day vacation in Alaska. >> and he paid you. >> Yeah. And he you. >> No, no, no, no, no, no. >> He did not. >> did not let him. >> He paid you and he didn't even get the. >> No, >> that's abuse. Okay. >> He was just not. >> So I don't want you to have to get back. into prostitution plus is the advanced. product. >> Okay. >> Uh or prime. Prostitute prime. We we. don't I don't want you to get into. prostitution elite once more. >> No. I mean I.

>> But a grand plan. This is. >> You did OAF? >> Yeah. >> Do you do? No, I quit whenever I got. with boyfriend because he didn't like. it. >> But you but you would res but you. wouldn't be breaking up if you got laid. off. Except you guys are on the verge of. breaking off now. But he would allow you. to do. >> I want him to do it with me, but he said. he wouldn't do it with me. >> But he would let you do. >> Okay. First of all, nobody lets me do. anything. >> Well, potentially in a relationship is. usually compromises and kind of what we.

like the other person doing and not. doing. So yes, there is a part of let. >> there's a part of acceptance. >> or not. >> Okay. Yeah. >> Okay. Would he accept? >> I don't know. We'd have to talk about it. more. >> What were you making on of. >> Oh je, that was such a fever dream cuz I. was still like unmedicated at that time. So. it it would like it would be random. because like sometimes I would make a. lot because I would I like actually put.

effort into it. >> I would go ghost. Huh? >> What concert? >> Just solo. Um but I was super fun with. it. So I would like choose a song and. it's like I would make like a music. video out of it. I spent so many hours. editing my videos. I actually loved. doing it. But um yeah, I I stopped. What. are you Are you talking about me? Yes. >> Okay. So, jumping back into that would. be brutal. >> Yeah. >> I don't want you to jump into.

prostitution light, which is that or. prostitute advance, which is the other. one. Taking dick for money or having. people fat to you for money. That's not. See, this is what I don't like. I don't. like that the alternative for a young. woman is just like if things get bad, I. would just literally make money off of. my body, off my tits, my saggy tits. >> I I could. >> I know. Well, I'm asking your grand. plan. You're bringing it up, dude. You. hit. >> Well, I have two of them. I could put. them to use.

>> It's not active anymore, right? >> You deleted the account. >> No. Yeah, I deleted them. >> Okay. So, it's even harder to get back. into. >> I know. I know. >> But I'm also glad you deleted it. >> I'm letting it go because I was like. that was like such an error. How'd you. delete it of my life? Because like. >> just don't use it. I compromised so much. in the beginning of our relationship and. >> Yeah. Now you're regretting it and you. want to break up with him. point where I'm like, "Okay, hold up. I. I let go of so much of myself. So, we. need to like reel it back in. Let me be.

mean. >> Does he like you?". >> Yeah. >> You you that you're reeling back in? >> I mean, I don't We haven't really. talked. We just Caleb, we just started. our therapy journey again. We're. figuring it out. My new therapist like. specializes in polyamory, so like. >> we're going to have a lot of homework to. work on together. >> Oh, for sake. You guys are good luck. >> I'll give it one more quarter. Good. luck. Absolutely good luck. Okay. Well,

I don't like those backup plans to be. very clear. The child care one maybe. that's the best. I don't necessarily. like that. >> One of the three plans is child care. And the person that's talking about. child care, the other two plans are. prostitution elite and prostit light. But uh I guess that's where we are in. 2026. So. >> I can. be hot and sexy and at the same time. like. >> Yes. And how do parents feel about that. though? >> I don't show that side of me when I'm.

>> Yeah. But they could find out your tit. >> Okay. And then however they want to. approach it, we can go from there. >> All right. Let's jump into these. finances. >> I'm I'm capable. You're an adult, but. you're not entitled to money. You're not. entitled to a job. You're not entitled. to people thinking that you. >> But I am capable taking for money, which. by the way, I don't even know how you do. that for money if it's that painful. >> You did. You literally did. >> Okay. Well, I didn't have ovarian.

assistant at that time that. >> So now you just recently, >> you know, so. glocky glocky glocky gucky. >> It works. >> It works, but I'm not advocating for. that. I don't necessarily want that to. be how to keep a roof over your head. I. hate that that's how where we've come. to. It really I mean same but you know. you got to do what you got to do. CALEB, >> NO THAT is not it because I literally. laid out the alternative. You dumb and I. guess I can say this out correctly in.

this in this context. [ __ ] [laughter]. >> You [ __ ]. I've never called someone a [ __ ] Used. to be but I love it. You [ __ ] Um, all right. It's just like I gave you the. alternative. The alternative is. obviously accept this job change so you. don't get laid off tomorrow and when you. accept it, get skilled up, update your. skills again with the certification I. give you, plus going and applying for. other jobs like it's a full-time job. That's what you do so you don't get laid. off and all of a sudden we don't know.

how to deal with money without. grandmother. Okay, >> that is the alternative. That's the. adult response without going into. prostitution. >> I think it's too late. I don't I don't. think that if I went back to him. >> Wait, when was this offer? >> It was last week today. >> I guess it Oh, you're such a child. 28. What is wrong with you? What is. wrong with you? >> I It's not like I. >> You're a baby. >> Spend that much on gas. >> Baby, sure. So then extra wise grandma. paying for it. Baby,

>> is wrong with you? >> A lot. I mean, we could go there if you. >> Yeah. No [ __ ] What do you think your. financial score is? 0 to 10. Zero being. the worst, 10 being the best. >> Okay. So, I took the score. >> Proud of you. Hammer.com. >> Mhm. Uh, and it was a 2.17. So, I. >> rounds two or three. >> I rounds two or three. >> Yeah. And like the overall score. Yeah. >> Oh, okay. Um, I I think I'm going to. give myself just a two though.

>> Okay. >> We'll go there. >> If you want your financial score like. she did, take the assessment for free at. calebmer.com. See where you stand in the. world of money. where you're doing. poorly, where you're doing great, what. you need to do to improve yourself. Caleb her.com just takes a few minutes. and it is free. 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 has tens of thousands of. active users for a reason. People are. changed to their lives. You can too with. features added every single month. It is. incredible. Dollarwise.app. Take the. free trial and if you like it, stick. around and you can sign up for the. annual version like most people do to. save a lot of money. And then for about.

only a month left only, I will. personally sign my budget friendly. cookbook and mail it directly to you. That is gone at the end of February. >> They, >> huh? >> You said she. It's they. >> [ __ ] Okay. So, >> potato. >> I'm a [ __ ]. >> Absolutely. >> Absolutely. There's nothing wrong with. it. >> We love [ __ ]. >> Yes. >> Big fan of [ __ ] including. >> very supportive. >> We love it. Okay. What's this first.

thing? What am I looking at? >> That is my CLA. >> Of course it is. What the is going on. with this? >> It's a great question. >> Well, Bliss Aesthetics for $1,000. >> So, >> what the are you doing? >> That is actually my deposit for my boob. job. >> So, it's already happening. So technically like if you take that. portion off it's only8500.

because that's already been paid. >> Again they don't seem that bad. >> I mean like I could I could show you. like do you want to see them? >> I could do a tit audit. Do you consent? >> Yeah. Yeah. >> Okay. I I'll look at a picture. I'll. look at a picture but not here in the. studio. We don't want them out in the. studio. >> Okay. Deal. >> I legit would not do it. Don't do it. >> Why? I just want him to. >> cuz it's very expensive and they're very.

nice. >> I just want to I feel like I don't know. >> It's a feeling thing. >> I want him to feel nice. >> No, but you just strictly can't afford. this and that's not a medical necessity. You didn't have boob cancer, correct? >> No. >> Okay. Like, and that's like this is. purely cosmetic and I want you to be. able to do more cosmetic things in the. future if you want to. But right now, we're literally worrying about keeping. your job and keeping a roof over your. head. And yeah, that was a funny idea. All that stuff. Yeah. Yeah. Yeah. Okay, great. >> I literally already paid my deposit.

>> You Yeah. A thousand. You have nine. left. Here's the thing. Those just saw. them and I honestly thought I was just. going to support it instinctively, [laughter]. but that was They're actually very nice. >> Well, I appreciate that you like them, but. >> But no, no, it's not even about that. It. is literally math. Like for that, this. is pure cosmetic. And I know it's just. for you. It's not for others. And I can. respect that and support that. You do. not need this right now. There's not. like something wrong there. >> That deposit only lasts for eight. months. So that means like in the future.

whenever I like if I have to if I have. to wait to do it, I lose that deposit. and then I have to pay it all over. again. >> But you're spending thousands more than. you make on a monthly basis. How much. debt do you have? What's your debt. number? Um, I think it's like 80. >> $74,42383. That doesn't mean it's good, though. >> You could have said 100. That doesn't. mean 73 is good. Listen, if you are. going. >> and dropping an extra nine that you do. not have, which means there's going to.

be more debt. You're rounding this up to. now 85. We're getting closer and closer. to six figures of debt with nothing to. show for it. No. Yes. Yes. Because what. do you mean? What do you mean no? I'm. gonna use one of my credit cards. I'm gonna pay down. >> How? How? When? You spend more than you. make? >> How? Hey, if you get if you get laid. off, >> how? >> If you get laid off, how. >> I have money that is going to be coming.

in from my. last house that I rented. So, >> what? So, I like rented this place and. it was kind of like a rent to own. situation where like $50 of your rent. every month goes into like the savings. bank and then at the end of your lease. you like get that back. >> Never even heard of that. I've heard of. rent to own, but I've never even heard. of whatever. That's not rent to own. That's like rent to save. >> No, no. Yeah, it was Well, the thing is. it at the end of your lease that money.

that you have in savings could go. directly to your. Yeah. your down payment on the house. >> Okay. Okay. So, how much? >> Like 4500. >> I mean, 4500 is a lot of money to anyone. to be clear, but one that pays for half. of what you still owe on something you. can't afford. Two, 4,500 to your debt. still only brings down your bad debt to. $50,000. So, this math is not working. If you. were about to say $50,000, I'd be like, "Oh [ __ ] we got something to play with. here.". >> Yeah. No, not that much.

>> And trust me, there's a lot to play with. there. I learned. But it's the the fact. is it just it doesn't make any. mathematical sense. >> But it makes like. >> it makes want sense. This is essentially. going and getting some McDonald's fries. of the tit world. You don't need this. This isn't getting your boobs done after. you had to have surgery to get cancer. removed. This isn't they are so saggy. that your literal entire body is. collapsing. >> But they are saggy.

>> kind of. >> Okay. Thank you. You. >> but kind of. I mean, I'm just I'm. agreeing just because you're saying it. If if I if that was if if in a different. world we were doing stuff and all of a. sudden I just came across those, >> saggy is not the word I would have. thought of in any way whatsoever. 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. WANT TO know a. dirty little secret? And no, I'm not. starting an only. You're not broke. because you suck with money. You just. can't see where it's going. If your bank.

account is empty at the end of every. month, that is not bad luck, that is bad. tracking. And it's exactly why I use. Dollar. It shows [music] you exactly. where your money's going every single. month. Spending, subscriptions, and. savings, all in one simple [music]. dashboard. Everything you need and. nothing you don't. And when you download. Dollar today, you'll get to try for. free, plus 3 months for just $9.99, so. you can finally take control and see. what your money's been doing behind your. back. Click below to get started. Well, >> they're just substantial and gravity.

exists. >> Yeah, but I feel them every day. So, >> Oh, yeah. They're huge. >> Yeah. >> Are you getting reduction? >> No. >> See, like, is this isn't gravity just. going to Lindsay, can you educate me? Is. gravity not just going to work its magic. again in a few years? >> I mean, but you're getting a lift and. then an implant. >> Uhhuh. >> A lift and implant. >> Just a tiny little implant to like round. it out so they look. >> But so the lift. the lift will. >> Yeah. And then the implant will will. hold.

>> I mean, I'm not a plastic surgeon, but I. understand. >> Well, they do this like mesh bra, too. That was an option, but it was like an. extra like $2,000, so I did not plan for. that. But they do this like internal. mesh bra where it's like. >> you're not even trying to get back into. I I know it's just for you. I I'm trying. to respect that. It just doesn't make. sense. You can do this in a year. You. can do this when you pay off debt and. have an emergency fund. This is not an. emergency. It's not. It's not there. Your aesthetic. Listen, your or sorry, your down payment on the aesthetics.

thing is literally done on CLA. >> YEAH, [screaming]. >> I did. >> You didn't even pay for it. You put it. on Florida. >> I did not use. >> pull up your CLA for me. I guess you're supposed to go to Florida. for the boob job. >> Yeah, we're doing a family. Yeah, in. January. >> Yeah. >> Your boyfriend's family freaked out and. wasn't comfortable with it. >> Yeah. So, I cancelled it and then um I. don't know necessarily if I'm going on.

the family vacation anymore cuz now I. kind of feel uncomfortable. >> What part did they not support? >> So, his dad was just basically saying. that he didn't feel comfortable about. the fact that I was recovering like the. last few days of our vacation. >> Well, yeah, they kind of. >> I had the first five full days with. them. >> Yeah, but you're up the ending of the. vacation. I don't think that's unfair. >> I don't have to be involved in. everything. >> Yeah, but all your boyfriend's going to. want to say support. They're going to. feel bad. It Come on. It puts a weird. dynamic on the vacation.

>> He didn't like that I was flying. after. >> like immediately after. >> Okay. >> Which like is fine, but I'm like, okay. Well, but the thing is I scheduled the. surgery around that. >> When your boyfriend comes into the post. show, how is he going to feel that I've. seen your titties? That's a great question, Caleb. I. >> hope we fight. [laughter]. >> Okay, so Bliss Aesthetics thousands Sheen USA.

Sheen USA. Okay, >> Wayfair Victoria Secret. >> Okay, >> now I understand. me justify. the sheen was I went to the My Chemical. Romance concert in Chicago and I had a. very specific outfit idea in mind and so. I ordered it from there and then. anything that like I didn't like or. didn't work I did mail back so I did. return it. >> Okay. Yeah. I mean the Victoria Secret. refund but even still what Okay. So on. Clara what is this? What is this owed?

I'm going to say it's like 1,500 and. your monthly is probably like 250. Yeah. >> My gosh. You know, Clara has like the. worst interest rates there are. >> I don't use the interest. >> I hope not. Unless you get laid off and. you can't make a payment, you dumb. >> No. I I'll always find a way to make a. payment. >> Gosh, I We We got to bring the word. horror back. What a good word. [laughter] I love it. >> It is a good word. >> Yeah. >> Yeah. >> And what are you getting on Wayfair? Wayfair. >> I needed a nightstand. We had to like. emergency move into our new house.

because our house got broken. >> Why did you need a nightstand right. there? because I didn't have one. >> So, >> so I needed one. >> No. >> Yeah. >> No. Wayfair is great as like a platform. in products. >> You did not need a nightstand. >> One nightstand, Caleb. >> No. Also, Facebook Marketplace. I. guarantee you could get one. >> Yeah. But the one that I got is. >> And also, if you were moving to a new. house, did you not already have a. nightstand? >> No. >> Well, then why'd you need a nightstand? >> Because I didn't have one. >> at your old place. You didn't?

>> So, you didn't need one? Yes, I did. >> Cuz you were surviving without one. >> I used this like old ass. >> Good. Use that again. Use it again. Well. done. >> And I trashed it. >> because it didn't it didn't it it. doesn't work. It didn't match the vibe I. needed. >> What are you doing to your tables? >> It was old. That thing was from like. that thing was like 10 years ago and it. was from Wayfair and this was like. whenever I was an alcoholic and so so. much had gotten spilled. >> Yeah. >> Lower drop. I yeah, I went to rehab. Um,

and I've been sober for over three. years. But congratulations. That's good. >> That's a big part of why my debt built. up is because I was a raging alcoholic. for 10 years. And. >> yeah, but that's not why it hasn't been. paid off in 3 years, though. So, I can. have sympathy for the star. But, >> well, because I'm still paying for. rehab. >> What? Rehab was financed. >> Well, no, no, no. My insurance didn't. cover everything, though. >> How much do you owe a bill? >> Well, that's not this next credit card. with hundreds in spending. So, no. We'll. talk about that in a bit. But US Bank.

balance $8,46253. That is not rehab 3 years ago. Your. literal advances of $500 and your. purchases of $373.20. are not rehab. Hey, how long does this. take to pay off minimum payments only. without doing any purchases of which you. are incapable of by the way? >> I think it was 14 years. >> Yeah, it takes 14 years. $276 is your. minimum monthly payment. >> Which when you get laid off, good luck. cuz it sounds like you said you can't. backtrack. So it sounds like you're not. going to have it. When are they.

implementing this AI thing? >> Um he said that he was hoping to have it. like in place by the end of January. So. that means like tomorrow whenever I get. home like I'm. putting in a bunch of job applications. >> Yeah, but that's that's just the start. You got to curious your resume to all. them. It's not just mass applying. You. got to be hyper smart. And this is not a. good job market. Like you said, you. needed to set yourself up for success. >> Mhm. I do have really good references. though. >> Uh okay. I mean, that could be a play if. your resume makes it through the, you. know, the AI screening. Like, references. is going to be one of the that's not.

going to be a make or break for a bit. I. don't know. Not a kid trying to get a. first job. You're not also trying to do. like this massive advanced thing. You're. at this very very below mid level. Interest hundreds charging. Okay, let's. see what's going on. It's all [ __ ]. First of all, monthly carbon offset. >> Okay. [laughter] Are you. >> That was Are you. >> Whenever I was in one of my. environmental classes in college. >> When was that?

>> Oh god. I think. >> Dude, you're putting on on a credit card. that you can't pay off that is acrewing. interest. >> I think this is like 20. >> This isn't your just free money. This is. This is the bank's money. >> So every single month that $5 comes out. of my account. I have no clue what. website it was. >> So you're alcoholic in college taking. for money. >> Yeah. What the? Oh my gosh. Well, doing of. what? What a joke. >> I I wor like cancel this. I don't know. how. >> Well, just tell your credit card not to. charge that anymore. Challenge it. Say.

you're done. You can't cancel. >> Feel bad. >> No, just go plant the tree and it. probably does more than this has ever. done. >> We'll see. >> How much is this $5 really doing? I. don't know. It this was it was like a. whole calculator thing where you like. put in where you live and like it like. grades your like carbon usage and. everything and then it you can select. and it punishes you a fee. Like what the. seems like a scam host and I felt bad. Oh yeah. Um. >> it's cuz you're the easy kind to.

absolutely trick into weird performative. activ. Yeah. >> Environmental can be good. What the is. this though? This is you're paying a. fee. >> Yeah. >> Environmental. Go advocate for. environmental things. Go support the. products you like. Paying a fee just to. feel good. >> Happens in multiple forms, Caleb. There. isn't just one right way. >> And this one is making someone money. >> That is Yeah, probably. But. >> okay, Blue Host. >> Yeah. >> What's that? >> I started a blog. Um, and then I. stopped. >> Yeah, blogs very in on 2026.

>> I stopped. I It. >> Yeah, you're paying for it. >> I need to cancel it. I think I did. Maybe I canled it. >> Nope. >> I Okay. Oh, I. >> parking MJ events concerts $110. >> That was my chemical romance concert. >> Your concert. I don't give a [ __ ]. >> It was my. >> You're literally putting $1,000 of boobs. that don't even need to be. >> free tickets, >> but they're not because you had to pay. for parking and [ __ ] there and. [ __ ] and [ __ ] You still spent. hundreds. >> Yeah, but I didn't have to pay for the. tickets that were like my order. It was.

It was like a free gift telling you to. go spend more money. >> Yeah, and I did. >> Exactly. That's You just put You just. said to put a down payment down on. >> Clara. No, listen. I When I went to see. them for their like first reunion tour. back in like 2022 cuz they postponed it. I was like freshly sober. So, I was. withdrawing super bad. So, I didn't. remember the concert. And so, >> I'm sorry. The the the tearjerker is not. I don't give a. >> You can go see them next time. I don't. give a [ __ ]. >> No, because I'm not going to be able to.

afford tickets. These were free tickets. >> You can't. So, >> no. we can get you to the place where. you can afford to. Hey, guess what? Exciting news cuz I know we're filming. this well before it comes out cuz our. backlog is juicy. Thank you, Lindsay and. Colton. But we proved that we can. We do. an annual report every single time. The. average guest who comes on financial. audit pays off $22,87 of debt within 12. months. The median pays off $12,000 of. debt in eight months. We can get you. there. We can get you there. Proven.

method. Okay. >> Proven method. Well, I'm putting you. through the master your money program. To be very clear, that's our debt class, investing class, real estate class, budgeting class, recession class, job. class, all the good classes. We're. putting you through that in every future. class. You can join as well. You get the. premium version of the dollar wise. budgeting app with the mastery your. money program. Caleb.com for all that. So, that's what they've done. They. followed that path and they've done it. So, you can do it, too. But to say that. you have to go spend money you don't. have right now when you're financing a. down payment on tits and also it's just.

so stupid. saying instead of saying you. can't do it in the future. It's so. stupid. >> I mean, >> you literally can. >> I probably will still do it in the. future, but I have to do it. >> We can do it in [clears throat] But you. can't afford it. That's what's. objective. >> It was important. >> No. And your Door Dashing Changing. Chin King. >> China King. >> for $47.66. >> The best Chinese food. And to be fair, any like food charges on there, I split. with my partner. Okay, that's not fair. cuz that's still 25 bucks basically. You.

that is an insane well. Cla she Okay, so. she puts things on her debt. Clara. [laughter] then she pays for her CLA. debt with her credit card that acrews at. a 28% INTEREST RATE OF DEATH that she. can't pay off that. >> Of course it DOES. WHAT DO YOU MEAN? >> I THOUGHT IT I thought it could only. come out OF YOUR. >> OH, SHE'S a beast. She's a beast. She's. a creature. Oh, sorry. The [ __ ] is a. beast. [laughter]. OH MY GOSH. OH MY GOODNESS. Here's the actual.

reality. Her finances are. >> Go ahead. >> The horse's finances are so. Do you even know this is happening? >> No. >> The finances are so. Again, reminder, $1,000 down payment on. the titties. >> Mhm. [clears throat]. >> By the way, I will say once more, they. are very nice. >> Like, everyone would be impressed. Everyone would be impressed. You don't. need that. You don't need that right. now. But $1,000 down that she can't. afford on Clara, which then she pays.

with her credit card while at the same. time on her checking account, she is. >> Oh, this is an impossible game. The. pronouns are an impossible game. This. human. >> There you go. That works. is literally. overdrafting on this person's checking. account and it's being charged via cash. advance from this person's CREDIT CARD. OF $150.

>> I immediately. >> if I can call you dude, can I not just. call you her and she just for the. simplicity of this conversation so I. don't have to think about it. >> Can you like alternate? Huh? >> Can you like alternate? No, cuz I don't. think when I'm talking about what. someone is. >> Fine, Caleb. We'll play by your rules. >> Can we just go like uh sex, >> right? >> Sure. >> We just do sex rules. >> Sure. >> Just just for the sake of ease of the. conversation. Thank you. I appreciate. it. I will respect it. I do respect it.

and I will do it when I think about it. I just have a hard time thinking about. it when I'm trying to think about. numbers because the fact is another. number is this person THEN OVERDRAFTED. I GAINED $350. from the credit CARD DOING CASH ADVANCE. fees of. >> my car payment came out. >> Yeah, that happens. >> Okay, so. >> that happens. It's a shock. No, no, no. >> Blew my mind. Oh, my car payment that. always happens. >> I had like $900 come out of my checking. account at one time that you signed up.

for. No, no, no, no, no. because my car. payment came out. My credit card payment. came out. >> Welcome to bills. Welcome to bills. Welcome to the consequences of the. things you signed up for. You dumb. >> wasn't expecting my electric bill to. come out and I forgot that my credit. card was on auto. >> Should always have enough money for your. bills. And if you're not spending money. on dumbass dumbass $1,000 on tits and. then putting it on your credit card, [ __ ] what are we doing? Miscellaneous. [ __ ] alone was literally almost $600. and going out to eat was $200. Like what. are we doing? Um, >> cough.

>> the going out to eat. >> Oh, of course you do. Let me see your. inner lip. [laughter]. >> That's what she is. C U N T. >> The C is worn off. I need to get it. redone. But yeah. >> Uhhuh. >> I was told it was your favorite word. >> Oh, great word. Four is becoming my new. favorite word of the day. Good. >> for what it's worth. >> I'm glad I opened you up to that. >> Interest, 3000 this year so far. The. year's not even done at the time of. filming this. >> It's great. crazy. And then fees, fees,

fees, cash advance, cash advance, cash. advance, cash advanced. >> I'm trying to be better. >> No, is the lady part, right? >> Yeah. >> Confusing. Just confusing. >> It's confusing. >> Okay. >> To want to be called a guy but have [ __ ]. tattooed on you. >> Shoot. You could call me an [ __ ] I. mean, you're not an [ __ ] All. >> No, you are. But I am. I am. You're not.

>> Okay. >> You're a [ __ ] [laughter]. >> I mean, I'd rather be a [ __ ] than an. [ __ ]. >> I'm both. >> Yeah. At least you don't pour out my. >> That's the first step, Caleb, is. admitting it. >> I know. I know. I'm an [ __ ] in this. context for sure. I don't give a US Bank. again. >> US Bank 2, I guess, the sequel. >> Okay. So, >> $9996. with a minimum monthly payment of 63. Oh, good. Purchase $19052 on a card that. is agreeing $22.60 in interest. It takes.

two years to pay off that we can't pay. off in one because we're also. overdrafting like a dumbass. What are we. doing? What are we doing? Why are you. purchasing on this card? You. >> what? >> This was originally opened because I was. going to do a balance transfer because. it's a 0% interest. >> without changing our behavior first. >> You want to know why? No. You want to. know why? I didn't. >> Because they didn't change your behavior. first. I didn't know that you can't do a. balance transfer if you're opening a car. that's in the same like financial.

institution as the one you're trying to. transfer over. I didn't know that that. was a thing that you. >> Why would you looking things up or. talking to anyone? >> I. this day and age where every resource is. at our fingertips. >> through it all by my own. Like I could. have asked my grandma. My grandma could. have probably told me that. >> Um this was like right before I got my. car. >> When was that? Two years ago. >> Okay. Then you had a boyfriend. Shut the. [ __ ] up. >> I'm the one that got his credit score. up. >> How? You're. >> No, the thing is like I know how to do.

finances. Rules for the not for me. >> I don't do it. Yeah, exactly. >> Well, that's I do. >> Well, I'm working on it. >> No. >> Mhm. >> That's what everyone says. Where's the. working on it? You spent more than you. made last month. Your debt's only going. up. You're literally doing again $9,000. right there. You already put one down. And you pay that minimum payment on a. credit card while overdrafting from your. checking account cuz you can't manage. bills to save your life. Working on it. Where's the working on? I don't see. working out. You working on it. >> I don't even know what's on this card.

>> Huh? >> I don't even know what's on this. >> I'll tell you some kind of Microsoft. subscription. Going in and getting some. [ __ ] vaping. She vapes. >> I do. >> Well, now any any sense any sense of. like. >> if you did have any attractiveness to. anyone, it's out the door now. You. nasty. What's wrong with you? You're. you're vaping. You're killing yourself. What are you Listen, I was an alcoholic. for 10 years. >> That's not good. >> So. >> So let's also kill ourselves in another. way. >> Do this. Let me have the This is the one. thing that I have, Kayla. >> Why don't you just be not that? >> It's so hard to quit.

>> It is. No, but objectively, you did a. harder addiction to quit, though. >> However, I will say, >> so you already proved to yourself you. can. >> You will like this. When I do get my. boob job, I have to quit vaping. >> Then just do it now. >> I can't. I tried. >> Well, then how will you be able to do it. then? So I I actually was I was quitting. and then how will you be able to do it. then about the boo job not happening at. you know next month or whatever. >> Oh no the most stressful thing in our. lives. I can't make my tits do this. >> I'll get right back to it. >> Great. So how are you going to quit.

then? >> Willpower and um. >> Okay. So it's not [laughter] great. So. you're going to up everything just like. you already have. >> They have those little like detox pill. things. I I have them. >> Do that now. >> No, no, no. Because I'm not quitting. right now. But you should. >> like Yeah, but I'm not. >> for your life, for your budget, for your. health, for making sure you're quitting. before then anyway. >> It's like an oral fixation. Like I I. have switched to like the zero nicotine. >> fixated on your boyfriend. Trust me, I. think he wants it since he's not getting. anything else.

>> Easy. [snorts] Get yourself a stim toy, dude. >> Yeah. I weird creature women on you on. the show like you on the show that have. those. >> I probably could use one. Yeah. >> A. >> Mhm. >> Okay. And then Apple Bill. Apple bill. Yeah. >> Uh interest charging like crazy fees. You've had a late fee this year. >> [ __ ]. >> Well, nope. You've had a late fee this. year. >> [ __ ]. >> Let me do this again. You've had a late. fee. Uh not paying on time. >> Everything is on autopay. >> Okay. It doesn't matter. Just like your. electricity bill was on autopay. You.

didn't have enough money. If you do not. have enough money in your account when. this auto pay hits, especially since I. don't know, but it's been this year. 2025. [gasps and sighs]. >> Open your phone. >> Then interest and autopay. And it's. Listen, I'll let you use the Fizz card. >> I've had a late a late payment fee one. time. >> Well, one time this year on that card. >> That's crazy. >> I'll let you use the Fizz card debit. card that builds credit. A lot of people. in the audience use it who have a hard. time changing the behavior. At least. it's a tool you can use. No, that's not. what we're looking at. Just give me.

>> That's not what you're looking at. Oh, okay. I was going to [panting and gasps]. Now I'm mad. >> Should be. You're a [ __ ]. Okay, those Apple bills. Let's see. Okay, we got Apple Music. >> Yeah, have to. >> Dualingo. What are you learning? >> Spanish. >> Why? You're in St. Louis. >> Well, I mean, cuz I feel like it's still. important. I feel like. >> Why? >> Spanish is the big. >> You're in St. Louis. >> I know, but I'm not going to stay in St. Louis. >> If anything, just learn Jive.

>> iCloud Plus. >> Uh-huh. >> Yeah, that's fine. >> Mhm. >> Wise. Make your home. >> Those are my That's my security cameras. for the house. >> That one's okay. I don't know if you. 100% need right now. I like Dolingo. I. just don't accidental. It was accidental. cuz I did like the free thing. >> and then sleep cycle and pick collage. Pick collage. What is this? Like. >> iPhone that. >> and then we've had Dualingo. We've had. Crunchyroll. That one just expired. Google Photos. We had Oh, don't have it. now. >> I know. I canceled it. I'm I'm not.

paying for any like Sorry. Um like. streaming services. >> What? >> I hit the microphone. I was apologizing. to it. >> It's okay. Okay. I have a Oh, Kia. Kia. Kia Sportage Hybrid, >> baby. Her name is Spock. >> I'm just surprised you're even with a. guy. Can we get Aaron in here? >> Yeah. >> Are you going to lesbian score me? Of. >> course I am. >> Okay. Yay. >> Welcome, Aaron. Please come in. Our. resident.

lesbian. expert. Please come in. We need a. lesbian financial score or a lesbian. score to see if she is lesbian or not. >> This is not going to take long. >> Okay. >> Um, what kind of car do you drive? >> Like he Sportage hybrid. >> She's beautiful. >> How many pets do you own? >> Two. >> What are your pronouns? >> They, them. >> and preferred. >> And I I prefer like male terms like. dude, bro, guy. >> Interesting. >> And yeah, >> like 11. [laughter].

>> Lesbian financial score 11 out of 10. She has a boyfriend in the other room. [sighs and gasps]. Yeah, that that's what [laughter] I. that's what I said. If you want your. lesbian score, see where you stand in. the world of lesbianism. If you need to. be more lesbian or less lesbian, um go. to kale.com/ lesbian. Take the. assessment. It's free. Takes a few. minutes. >> It's a winwin. You get money and I get. money. These are called affiliates and. you get that sweet sweet cash for. signing up for some amazing products. The first one is Chime. This is a.

checking account that I personally use. and you get up to a $350 bonus with a. new Chime checking account and earn up. to 3.5% APY on your savings. And second, my investing app of choice these days is. Weeble and get a 2% match on all of your. money that you transfer over. And. finally, sign up for automated investing. with Acorns. Typically, the signup bonus. is only five bucks, but with my link, you get $20. Ladies and gents, you get. money, I get money. Enjoy. Links are in. the description below, guys. Just real.

quick, don't forget to take your Hammer. financial score at calebhammer.com. See. where you stand, where you got to do. better, where you're doing [ __ ] Listen, it just takes a few minutes and it is. free. Figure out where you stand in the. world of money. Caleb.com. >> I I will say, >> why did you settle with a guy? >> I don't like most men. >> Why'd you pick him? >> He just kind of came to me. They just. like gravitate towards me and then. occasionally I like let them stay. >> Okay. >> But I do love BB No Money. He's my my. favorite. >> I think he likes the show if I'm not. mistaken. Hi.

>> I've texted him a few times. We've. texted about him coming on the show a. few times. Him and Young Gravy because. we're friends. >> They're so fun. >> That was like a year ago. >> I've been like watching their stuff. recently. >> Okay. So, on this Kia Yo, $29,3324. >> Yeah. >> Okay. Oh, you met him in rehab. Isn't that. like the opposite of what you're. supposed to do? >> Oh, >> isn't that like super bad? You're not. supposed to be for like a whole year, right? Yeah, we met in rehab and then um. after about I want to say maybe like 3.

weeks of hanging out, we like went. official and then like two weeks after. that I made him move in. >> Okay. What do you think this car is. worth? And that's crazy. I'm surprised. it's worth. Was he alcoholic, too? >> Yes. >> So, at least you guys can hold each. other accountable now. But that was a. risky situation you put in. >> Like we don't really we don't have. cravings. We don't really like think. about drinking or anything. >> Good. But there's a lot of life. >> No, 100%. Yeah. They say like don't even. think about getting into relationship. until you're like a year in. I think I. was 8 months and he was six. >> What do you think the car is worth? >> Um I think whenever I checked it was 24.

>> Well, Edmmonds has an appraisal report. and Edmonds is the best uh the most. accurate value on the internet. Much. better than KBB and those other ones. So. Edmonds says $22,48. >> Oh wow, that was less than I thought. >> So you're you're dramatically underwater. on a 10% interest rate of death. >> Yeah, I know. Yeah, you're losing to the. market in every way whatsoever. >> I actually had to order my car because. it was in such high demand that they. didn't have it. >> High demand. Payment's so low that this. is going to take forever to pay off. $281.31.

What is this, like a 10ear term? >> No, no, no, no, no, no, no, no, no, no. My monthly payment is like 640. something, but I'm like I'm super super. super ahead of paying it. >> No, you're not ahead. You pay it by a. little bit throughout the month is what? >> No, I pay I make two payments a a month. Every two weeks I make a payment, but. because of the payments that I make, it's like I don't like right now I don't. owe a payment for like. >> a month. >> The you do it. You can't, Dude, you just.

overdrafted. Why are you paying ahead on. a card? That is the most I've ever. heard. >> It's one of those. It's on autopay and I. just I just leave it. But. >> stop. JUST AUTO PAY MINIMUM. WHAT'S THE. MINIMUM? What's the minimum? What's the. minimum? >> Like 640. >> Okay. 640. That's the minimum. And. you're only doing that? No, you're only. doing minimum. You You got credit cards. that are acrewing at like 28%. It's your. overdrafting and cash advancing fun. This is so stupid. >> Fine. >> What is this? Any reason, any season ID, like a personal loan, a debt consol,

>> which always works when we don't change. our behavior. Go ahead. What? Tell me. >> I had like five I think it was like four. or five credit cards that were all like. super bad. So, the reason that it got so. bad was because I had a Jeep Compass and. it like [ __ ] out on me like right before. my 26th birthday. It was in the shop. three times within the span of two. weeks. I spent over $7,000 on it. So, I. needed a new car. >> My gosh. >> And that was the car that I wanted. >> Consolidation reason. >> I I maxed out my Firestone. Rest of it.

ended up going on a tool that you were. trying to use to actually like get. taking care of your [ __ ] though. your. emergency in a situation that you're. trying to find a way through. >> It was but because it like cut all of my. like%. payments in half. >> Yeah. At a 13% interest rate, you're. making them a [ __ ] ton of money for. sure. >> Okay. But my car like me putting seven. grand into a 2015 Jeep Compass was not. worth it. And so I like it was just time. to let her go.

And then that was the one that I wanted. >> I may have agreed with that. You just. weren't in the right place to do it cuz. again you're locked in at a 13% interest. rate. >> And so this is where we ended up. Well, your minimum payment is what? >> I see the thing is I don't actually know. what my minimum monthly payment I think. it's like 450. I think it's like 330, but I I pay 450. >> Stop. That makes no sense. >> But the thing I don't know what my. actual minimum monthly payment is. >> Go on there and figure it out. You. >> It doesn't say. >> No, you go on there and you just set up. autopay for minimum. You What is wrong. with you? Make a phone call. What is. wrong with you? >> But I like to pay every two weeks.

cuz if I if I only do it like. >> Stop. That doesn't make any sense. Go. through our budgeting class, please, and. use the dollar wise app, please. You are. so if you are doing this weird budgeting. technique that no one advises because. you can't manage it. It's not working. You are overdrafting via your credit. cards. If it was working, you wouldn't. be doing that. So why follow something. that is continually proving to not work? Doesn't matter. >> Doesn't matter. Why? So stupid. I don't get it. >> Convenience. >> Convenience. Overdrafting is.

convenience. Well, no, no, no. But like. having it set up the way that it is and. it's like I know every every month like. Wednesday. >> Wait, so the boob job has to be in. Florida. >> So you have to get there. >> They gave me two options. There is one. in Chicago. There's a surgeon in Chicago. that they drive or something. >> But he's like 3,000 2 or 3,000 more. >> So that was the thing. >> So no matter what, we have to spend more. cuz you have to get to Florida. >> or spend a few thousand more.

It would have been perfect for me to do. it at the end of the family vacation. because we were already going. We were. already going to be there. >> You're working with a concier plastic. surgery company that you found on. Google. >> That's what Bliss is. Mhm. >> What does that even mean? >> So, they like partner you up with. reputable surgeons that are like that. have like specific certifications and. blah blah blah blah blah, whatever. Um, and then they give you like suggestions. based off of like what exactly you're. looking for. So, because I was looking. more towards like breast lift with like.

a slight augmentation, those were the. two doctors that they suggested me for. because that's kind of like where they. do their thing. >> Okay. [laughter]. Sounds like the biggest waste of money. ever. >> It's It makes so much more sense versus. like going online. >> Spending thousands we don't have. regardless does not make sense. >> Find a plastic surgeon. >> No, just getting this makes no sense is. what I'm saying. >> But it. >> right now, dude. $562.61.

owed on the Synchrony Care. Is this Care. Credit? Care Credit. Yeah. >> Yeah. >> Okay. >> So, I originally. >> of which is $30 a month paying off 19. months. >> Usually the deferred% interest right. now. >> Oh, baby. There is a 33% and that's owed. in a couple Oh, no. In about uh a year. and a couple months. >> Yeah. So, I am already planning on. getting that paid off. It's like like. I've already. >> Is that incorporated into your layoffs? >> I've scheduled all my payments. so that. it'll be paid off before the interest. hits. But I originally. >> What is your required minimum monthly.

payment in order to pay it off in time? >> Oh god, I don't. >> I mean I I can do the math. >> Um I think it's like. 10. >> No, that doesn't make any sense. How's. it 110? >> When is it? Wait, when's the interest. free over? >> It'll be about I would do 38 hours to be. safe. >> 38? >> Yeah. >> Oh well [ __ ] Then I need to go through. and cancel my. >> Yeah. See, you're broken. You're stupid. You don't know what you're doing. You're. just doing things without looking. >> But I only had like a 6 month 0%.

interest. >> March 2027. >> [ __ ] Really? >> Yes. But it is acrewing at a 33%. interest rate. It's going to be hundreds. ahead if you don't pay it off. >> Yeah. It's going to be paid. I mean, >> well, I hope so. Are you incorporating. in your plan your job getting laid off, which he pretty much told you is going. to happen? >> No. >> Exactly. That's why you doing this, adding any kind of risk, doing this. right now when you do not need to is. moronic because you have an actual tick. and time bomb in many ways coming at you. and the biggest one being a layoff.

>> Caleb, I we're not trying. You cannot. say trying. Shut the [ __ ] up. I've been. working. I've got um. >> Maybe I'll look at your resume for an. autism behavior specialist that. >> Why would they trust you? >> Because I work with kids with autism. you. But you're not licensed in that, are you? >> No, no, no. But they It's not I am not. like the official physician or anything. I'm there for like care and advocacy. >> Oh, you're just going to be one of those. enablement people, though. I can already. tell.

>> Absolutely not. I do not let those kids. get away with [ __ ]. >> Mhm. >> Mhm. >> Firestone. So, this was for the. >> I don't use that. >> Okay. Well, you have a balance. No, I I. added the boyfriend on as an authorized. user and so I let him use that balance. >> Well, yeah, but I don't I don't use. that. >> Doesn't matter. It's under your credit. >> Yeah, I know that. >> And you said he's worse with finances. than you and you're already pretty. It's. particularly bad. >> So, is he making the minimum payments? >> He doesn't have any credit. Yeah. Yeah.

>> That's what's on autopay for him to pay. it. >> Pay what? >> Um I don't remember the balance, but I. think it's set so that it like. >> the minimum or the whole thing. Um, >> no. Minimum is 29. >> Not quite the minimum. It's a little. over the minimum. >> So, minimum 29. This is Firestone. >> Yeah, but that's not Don't That's not a. me payment. >> Okay. Yeah, I'll put it in parentheses. But that's if he What does he do for. work? >> Um, he does sales for. >> Well, sales is very up and down. So, what if he can't? >> Um, it's like lawn care and they do like.

holiday decor. >> Your biggest a lot of money. >> Your biggest fight you tit is that he. didn't pay that he didn't pay. Well, sales, by the way, take can take months. I know. Absolutely. >> Before it comes up. But also, it was. literally like just a few weeks ago, you. guys had a massive blow up and you. almost left him because he didn't pay. bills on time. So, don't put this. payment in my column. You What do you. mean? This just happened. What? You You. try to You try to live way too positive. for something that we just need to be. objective on. I'm not saying nobody ever. says that about me.

>> But you are about your finances. You are. putting your head in the sand. >> Like this layoff, you're not thinking. about except this is how this works. People lose their houses every day. People go through bankruptcy every day. This is not how it works. People go. hungry every day. >> Yeah. My grandma actually used to get. mad at me because like when I was in. college, I would No, I would just like. not eat. >> and I would just pay my bills. And she. was like, "You need to eat." And I was. like, "Yeah, but I have to pay bills. first." And she hated that about me. >> Promo balance of 34%. Oh. Oh. >> When does that end?

I don't actually look at these things. I. just sent them your way. >> two days ago. [gasps] Uh-oh. Babe, >> we didn't give a. bounce was small, which added it's on. your credit, you dumb. >> What is wrong with you? >> But I don't pay any attention to it. because like that's not me. >> But it's on your This is so stupid. You. owe this if he does not pay. >> Yeah. >> Or you're. >> Yeah. >> So what are you talking about? I swear. you're being so stupid for no reason.

I'm so sorry. Oh, student loans. For what degree in. women's studies? >> I got a BS in business management. >> Okay. You didn't see that one coming. >> Why? Because I have yellow hair. >> Yes. Correct. >> I actually was going to go into I. started with microbiology and then. Iinging hated it. >> Oh, yeah. >> So, I switched. Yeah. It's a lovely. stack of. >> student loans. Did you So, did you you.

graduated? >> Yeah. June last year. >> Okay. Student. Oh, June last year. So, are your payments started? June. >> Oh, yeah. >> I did set up my like payments. It's on. the like pay as you earn or whatever. type. >> That's not great. That ramps hard. >> Um, no. My payment's $0, so I just don't. >> It ramps hard. >> Okay. Well, right now I don't have to. pay anything. So, >> no [ __ ] You Oh my gosh. You are not. smart. >> I don't I don't understand how it works. Nobody I I mean, I didn't ask. the. moment you file tax return and it shows.

you start making money. That [ __ ] just. goes. >> I didn't ask questions about how. >> you never do. You never advocate for. yourself in any way whatsoever. >> I'm taking accountability. I didn't ask. any questions about it. I just kind of. like did it and I was like, "Okay, well. hopefully this is right.". >> Uh-huh. >> So, what's bad about that? >> What bad about that? The moment your tax. return shows you start making some more. money, they're going to ramp those. payments up. >> I already set it up for the amount of. money that I make. >> Are you going to make more at some. point? What money do you say you make? Just your salary, not your extra 33%. income. There it is. There's that smile.

Uh-huh. We all saw that. Shut the up. >> Do you even pay taxes on those? >> No. >> Well, IRS here they is. >> No, I don't. >> Why would I? >> Because No, because my tax money doesn't. go towards anything that I actually. support. So, why would I pay? >> The tax bracket you're in contributes. less than like 1% to the overall taxes. >> Okay. Okay. But that. >> So you should still contribute because. you're more of a taker than a giver. >> How? >> Well, because you probably get a tax. refund.

>> No. >> Yes, >> I did. I have in the past, but not. anymore. >> Paying your student loans are at a $0. payment. >> Yeah. >> You're going to take advantage of social. things throughout your life. Social. programs. Absolutely. Look at you. >> I mean, I have like I grew up in. poverty. So. >> So you're a taker than a giver. >> Well, >> and now you're not willing to contribute. back now that you're making money. What's wrong with you? Not if the. money's not actually. >> force to write checks for millions of. hours a year. You say it doesn't. What. do you mean? Social spending is by far. the largest. >> They've cut.

>> social spending is by far the largest. percentages of spending in this country. >> Well, yes. >> No. >> No. >> Are you are you actually stupid or. >> No. >> Is this what your degree in Well, actually, no. You got a real degree. So, I'm confused how. >> I got a real degree. >> I'm actually confused how you are a. [ __ ] That doesn't make any sense. >> No, because like. spending on all of the actual like. social services and stuff that our.

government offers, especially in the. state of Missouri. >> It's because we spend 20% more than we. bring in, and that's our largest. category of spending. >> What are you on? What are you looking. at? >> I'm telling you the percentages. >> Okay. Well, you can tell me the. percentages, but I'm from Missouri, so. that's the show me state, so you have to. show me what you're talking about. >> I can show you the percentages. Okay. >> So, Social Security 23%. Medicare, some of the stuff you're. talking about, 14%. Medicaid and other. health things like you're talking about.

12 to 13%. Net interest on debt, why. they want to cut spending because our. debt keeps going up. Net interest on. debt alone is 14% of our spending. Discretionary spending, national defense. below that at 13%. Non-defense program. discretionary 8 to 9%. >> 2025 this year. Mandatory spending, unemployment, SNAP, Social Security assistance, 7%. >> No [ __ ] They're trying to cut the. largest spending by far. Are you.

surprised? Are you kidding me? We've. seen people abuse it on this show. You're not even paying your taxes. Who. the what? No [ __ ] They're. >> I do pay my taxes. Just not that part. >> Not 33%. >> Yeah. Just not that part. >> What is wrong with you? >> I only That's only during the school. year. So, it's only nine months out of. out of the year. So, it's not like as. much as. >> or what is wrong with you? $452 in your. checking account. Oh, it's all [ __ ]. >> Oh, no. Sorry. >> Do you give a [ __ ]. >> I do. I just like see I do budget every.

You spend more than you make. You. >> Every week on Sunday, I go through my. like checking account and I write down I. forgot to bring my planner. >> You didn't even pay your taxes two years. ago and grandma had to bail you out. I did pay my taxes. I didn't file them. because I was having like a major mental. health crisis. And so I. >> every five seconds of your life. apparently. Like are you going to make. it? >> I was unmedicated for the majority of my. life until like four years ago almost.

>> Okay. Well, this was until 4 years ago. This was a couple years ago. This was 2. years ago. >> Yeah. And that's what I'm saying. This. was before I got sober. >> No, you said medicated 4 years ago. Sober. You were You've been sober for 4. years. Since No, since 2020. Since. August 14th, 2022. >> Yes, this was before then. >> That's what I'm saying. >> Or after then? >> No, it wasn't. >> I didn't pay the date according to you. from the interview. >> 2021 taxes. >> Ah, paid in 2022. >> Yes. >> Okay. Listen, >> am I more potential, but it's probably.

[ __ ] $2.26. >> No, those are my crickets. >> Baren, >> those are my crickets. >> for what? >> I have geckos. >> Sheen. Door Dash. [screaming]. >> Which one? from. >> Hulu. >> I don't pay. >> good time smoke. >> Yeah, >> Lake Recovery. There it is. $150. So, $150 for how long? >> Um, >> so this is a debt. >> January is my last month of paying it. >> Okay, then I'm not going to put it down, but Well, actually, that is something at. the No, it's this next one. So, I'm not. going to put it down. >> Yeah, >> we just got to keep it in the back of.

our head. Amazon. Amazon. Pet Co again. Hot Topic. Surprise, surprise. Pull up. your Amazon. >> Door Dash. >> Snuck. >> Amazon. Amazon. >> That's groceries. >> uh for $7.81. >> Yes. >> Okay. Cryomia instant in Hilton. traveling you. Scooters coffee. Portillos. >> Oh yeah. Yeah. That was your Costco. McDonald's ex Exotic Vapor. Levy Pesmart.

again. Crickets. No more that time. Kindle. Cla. Go to the library. McDonald's. Totally. Panda Express. Amazon. Zooi. >> Shnook. Shnooks. >> Shnooks, pull up your Amazon. >> I did. >> Give here. >> You got one thing in your cart. Let's. see. What do we got? A picture frame 11. by 14. >> First Christmas. >> Okay. Well, this is coming out after. Christmas and I won't tell you. >> Uh, socks, screen protector, fit sink.

spray attachment, winter hat gloves. Those are okay. Thermal shirts right. now. >> Maxi feminine pads. >> Those are for my mom. That's Oh, okay. I. was going to say. >> I order them for her cuz she doesn't. have an answer. >> We know you don't got one. >> I don't have what? >> You're moving away from vagina land. >> No, I'm keeping my vagina. >> You are. >> I just wish I didn't have a uterus. because my accidentally. >> I My gynecologist doesn't want to do. that because of the hormone replacement. cuz I'd have to be on estrogen for the. rest of my life. >> And we know you don't want that.

>> No. >> Okay. Uh drying lotion. That's an odd. >> What is it? Oh, that's for my pimples. >> Sheer tides brightening clearing stuff. >> Wispy lash clusters. More lash bonds. Boom. Nutrition superfood greens. >> No no nose rings. Great. >> Those are for him. Do I see ring? Huh? >> Is he gay? >> No, unfortunately. >> Is he by? >> No, unfortunately. Yeah, >> it doesn't make sense. Nose. I call him.

straight adjacent though because I'm. non-binary so he can't be. >> issues palletic things and okay there's. a lot of [ __ ] in here a lot of. things you don't need and then some. things that are okay like all this [ __ ]. ton of curtains for days comforter sets. and lots of screen protectors and. >> um you don't really need it. >> that's not me. >> breaking his what. >> his screen protectors. >> what is wrong with him. >> I don't know he drops his phone all the. time. >> all right let's budget. >> okay oh I don't even think he saw my. savings account.

>> Where is it? >> Oh, well, it's gone now, but um. >> Okay. Well, what the [laughter]. >> I used it to um that that lovely credit. card that's at like 8,000. I I put it. towards that. >> Okay. Well, I wouldn't do that until you. change your behavior. >> because I wouldn't um my boob job. So, I. was going to pay that off so that I. could put my boobs on there. >> No, there's actually more than that. 2,000 hours dropped on a PC just to play. Sims. We'll talk more about that in the. post show. Hold it. >> Okay. Okay, cuz we're about to go into. that. But, okay, I'm going to say $4,000.

is your incomes. Get your minimum. payments. I'll set that 150 you owe for. the rehab cuz that's about to leave in a. month. Just keep it in the back of your. head. And taking away his $29 payment. Student loans are zero for now. They'll. ramp up. Actually, purchase taxes. We'll. see. Minimum payments and what you need. required to pay off the care card before. that occurs. $1,580. Okay. Your portion of rent, how much? >> $725. >> Utilities including internet. >> Um, roughly 200. >> Gas vroom vroom drive. zero. >> Oh, cuz grandma car insurance.

>> uh 170. >> phone bill. >> 73. >> It's pretty good. If you want to get a. lower and T-Mobile's get in your area, I. would do. >> I have the upgrade anytime you want. plan. So, I get the new iPhone every. year. >> Okay. $300 to the groceries. That's what. you can contribute. Use the meal plan. Use the cookbook. You get it all. TP. fund. Anything else you need to survive? 150. You need a little extra help. >> Okay. >> So, okay. Medical healthcare co-pays on. a monthly basis. medications, all that. good stuff. >> Medicines are 80.

>> Um, my psychiatrist is 75. >> per session or per month. >> Per month. >> And I would toss on another 75 just cuz. I'm seeing an ENT right now about. getting a septtolasty for my septum. >> Yeah, you got a small nose. >> Yeah, it I narrow. >> uh $230 for medical. Do you have a gym? >> Uh, 17. >> Okay. What What pets do you have? I have. two dogs. Yes, I have pet insurance. >> How much?

>> Um, it averages. >> What's your pet insurance across the. board? >> Um, 80 because we split it. >> Okay. 80 bucks. Subscriptions. I'll try. to put in about 40. Anything else? >> I actually don't have I canceled all my. subscriptions except except for my music. and my. >> Exactly. So, there you go. What's wrong? >> Whatever. >> Anything else that needs to be in the. budget that I have not taken into. [clears throat] account? >> Um, dog food. >> Yes. How much for pet food? >> Um, I would toss in another.

I would just say like 250 for pets. altogether. >> Like all together. Yeah. Yeah. >> Okay. I'll cross up. >> It's easier for me to like calculate it. that way. >> Well, but that's not how you're supposed. to do it. But. >> well, >> for the sake of getting this thing. wrapped up. >> and I think. I think that's it. >> Okay. Yeah. So, $3,735. if you make $4,000 a month, which by the. way, you only you made less than that. this last month. So, no, you you made. $11 more across both your jobs without.

setting aside money for taxes. You made. $11 more than you brought than you. needed to survive. And that's not. including your $150 that needs to go to. the rehab. So, [ __ ] off. >> And that's why I use my credit card. >> $265 is what's needed to survive. Listen, in order to pay off all this. debt or that's what you have left over. in order to pay off this debt, $74,423.83. divided by 265, it takes 280 months to pay off or 23. years. So, that doesn't make any sense. This is the reality. One, you guys might.

want to downgrade your living situation. the best you can next week. >> Uh, and you just need to get a new job. We need to just get into a better paying. job. Even getting to $50,000 is a big. game changer. So, get up to 55, start. moving up to 65. you know that you're. not going to get that right away. Hopefully you get you from a place where. you are now to 55. So your your. full-time job is to get a better job so. we can funnel all this extra money to. pay off the debt because we could. probably take care of this debt, student. loans, minimum payments until they're. paid off. That's fine. But we could pay. off the rest of the debt in a few year. in a couple years. Get fully funed. emergency fund and then get your ts. Do.

not do them now. You're going to lose a. thousand. This doesn't make sense now. It's not in the strategy. And again, they're good. They're nice. We like. them. They're fine. >> Okay. >> Um I'm sure he does too. Has he ever. said anything? No, he actually is very. against the idea of me getting a boob. job. >> Listen, you guys will never see them. You have not seen them. Well, I hope. they don't see them cuz I don't want you. to start the off again. But they are. actually very nice. I understand why. he's saying that. >> You're just doing it for you. >> Yeah. >> Don't until you want until you can, which is in a few years. But go focus on. a better paying job right now. That can.

be a reward after paying off all your. bad debt and get it into fully fun. Okay. I. >> like rewards. >> So there you go. Save that. Save that. That's the game plan. Uh, we're Let me. give the hammer financial score and then. we're going to go into the post show. We're going to bring the boyfriend in, look at the resume, talk about this. $2,000 game PC, I guess. >> I don't I do have that. >> Yeah, exactly. You probably have it. >> I think I have it. >> We'll figure out I'm sure there's drama. between them. I'll find some text. messages. Um, spending in a budget, >> you overspent. Zero out of 10. Debt, no. collections. It's not great for your. income. The key is certainly underwater.

Not the worst of the worst of the worst. Well, actually, you're overdrafting via. your credit card. Two out of 10. I'll do. though. Emergency fund. There was. nothing in savings. You just drained it. Zero out of 10. Retirement. Uh, what was. the total? Five 5,000. >> Oh, my investments. Yeah. >> Yeah. About a 2 out of 10 for your age. Real estate 0 out of 10. Hammer. financial score. Round it up to one. One. out of 10. >> Oh, damn. >> Ladies and gentlemen, click that join. button. Three premium shows posted every. single day, Monday through Saturday, 6. days a week. Now, upgraded best. membership number one on YouTube for a.

reason. It's going to be a great extra. 20 minutes. I'll see you [music] there. >> I I have a little tidbit that I didn't. share with you. Nothing we know. >> No. >> Oh. Oh, I don't even know. >> So, you know how we talked about how we. had that big issue with like paying. utilities to me on time? >> Yes. >> So, I actually audio recorded that. conversation that we had. >> Camera Elite is the best YouTube. membership on the platform and I just. upgraded it. [music] New dedicated. premium shows every single day, Monday. through Friday. Join with the link in.

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