Failed OF E-Girl Is A Leech | Financial Audit

I do only Well, things are making more. sense. So, what are you making now All. right now I. I'm making around. on a good month. Why would you not tell. me that? Why do my producers have to. tell me that? Dollars. How do you do that? And unfortunately my. mother enables Why would you do that? Your mother enables you for purchases I. Oh for sake. I know. Earn that. Hi, my name is Brin. I am 25 years old. I live in San Antonio, Texas and this is. financial audit.

This is a curious. thing. Oh. Interesting. I've never I. this is this I don't usually see people. dressed like this. Oh. Um. What do you do for a living? Uh so I do. only and I do. Well, things are making more sense. Okay now. Um I stream on Twitch as well. Oh, you're a Twitch streamer? Yes. Oh, we don't really get other. creators on so very often. So, this. makes sense. Um have you ever watched the show? Oh.

yeah, I watch the show pretty. religiously. So, you're in the audience. Then that's and most people are. So, I. just want to make sure usually when. other people are on things we want to. make sure they're not like here to plug. anything. Actually, you're using a fake. name so you can't anyway. So, that's. good. Not only that, but I haven't mentioned. that once on my intention. I'm here for. the advice. Good. Good. Okay. So, what are we making from these. sources? Um so I post only this kind of. um. trepidatious uh. So, the reason for that is because I had.

some health issues recently that has. like made it to where I can't do as much. content as I'd like to do. Okay. But cut. off? Um I had a collapsed lung. And I. almost died. Why? At 25? Geez, for what? Um I was vaping and I hit People, stop. with this. I've all I've this. Yeah, um Well, we're finally starting to. see consequences. Yeah, and that's the thing. Really, the collapsed lung? Uh it was. 90% collapsed and I actually had to get. a chest tube put in. What are you.

smoking? Um I now smoke cigarettes, but. I was SMOKING REALLY NO! WHAT? WE HAVE A. COLLAPSED LUNG AND WE'RE SMOKING. CIGARETTES? I GOT PERMISSION from my. pul- pulmonologist because of the fact. Pulmonologist? I can't pronounce pulmon- pulmonary. doctor. The person for my lungs because. so I tried to quit with a nicotine. patch. I actually am allergic to. nicotine patches and um Maybe we just. don't. So, the problem is. Cuz we have a collapsed lung? Are we. kidding? So, that No, that's what I was. given in the hospital was the nicotine.

patches. Oh great, but maybe we just. don't. Go on. Sorry, go. No, no, it's okay. What are. you saying? So, I had a allergic. reaction to the nicotine patches. Can't. use nicotine patches. My teeth are. severely decayed due to a genetic issue. So, I can't do nicotine gum. issue? Um I have a specific issue where. the dentine underneath my enamel gets. broken down at an extremely fast rate. and like it doesn't matter what. I I did notice the top teeth have a. couple things. So, It's unavoidable. Or. you going to get them just removed and.

replace with fake. the intention, but implants are. expensive and dental's a luxury health. care item in this world right now. So, um. No, god no. No. My brother was pathetic. and I refuse to Why not? not do anything. like that. As brothers tend to be. Yeah. Well, it's. just more along the lines of you learn. what not to be from them. Well, I was the oldest brother so. I'm the youngest. I wonder what they. learned from me. Okay. Okay. Well, either way you're still smoking.

Yeah, so One, bad for your teeth and. your teeth are already weaker. Two, you. have a collapsed lung. Yeah, so I was. trying. cigarettes you smoke a day? Right now. I'm at about. uh. If I on a bad day I'll hit 10. But One, you. Two, you're killing yourself. Yeah, I'm well aware. I'm I do want to. quit, um but I would need to get a. cessation aid in like pill form or. something like that from a general. practitioner which I don't have right. now. For what? Because the nicotine patches.

and the nicotine gum don't work and I. get really really bad withdrawal. symptoms where I get something called. back drip and it closes my throat up. Oh. Uh is there a place you can go to to. manage? So, it's not so much like that. It's more. along the lines of there's so. back in the day before my lung collapsed. when I was a teenager cuz I've been I've. been smoking since 13 as what you have. to understand. So, this is like over 10. years long addiction. I was. My babysitter at the time got me hooked. onto them. Not the in. What is on your arms? What do we have.

here? Are you going to like I feel like. you Should I take these off? Like. there's going to be a weapon. They are. I think the. Well, I think the the silver ones are. jingling quite a bit, but that's okay. it off. I I told you I can't answer. that. Go go Go ahead. Continue. But there's a. pill called Chantix that I at the time I. wasn't given medication when my GP had. prescribed it to me then. Um I didn't end up I wasn't ready to. quit yet. Since my lung collapsed I'm. ready to quit. I want to quit etc. I. just don't have the GP to prescribe me. anything.

How we got down this conversation is you. say you can't you can post less. than flaps due to due to collapsed lung. Like okay, so what are you making now. All right now I. Um I'm making around $200 on a good. month. Okay, so you don't have a. Okay, well you said another one is. streaming. So, how much are you making. off that? Um I took a break from streaming the. last several months. I know you're mad. What What are we doing here? What the. [ __ ] are you talking about? You don't. make money. What? What am I supposed to.

do here? You don't make any money. I'm. working on it. When was the last time. you made money? Probably. sake. It's just It's It's. understand. You can be mad. Go on. What. What's the last time you made any money? lot of reasons, but um For what? I have. a lot of health issues. Okay. Listen, I'm not saying you need to. do that as a job, but of the health. issues do they prevent you from doing. that? A lot of health issues of my. health issues were preventing me from.

working on normal job which is into. this. is the health issues? So, I have a heart. condition called mitral valve prolapse. Okay, get on disability then. And so I. don't know how to do the disability. Um. Talk to someone. Google. GPT. What? So, um I also have a severe anxiety when. it comes to medical professionals to the. point to where. um my mother ends up having to be the. one to kind of help. set up any type of appointments and. stuff. in San Antonio? Yeah, I live with her. What about the boyfriend? You came here. with a dude. He's standing outside going.

Yeah, he's He's I was like staring at. him out of window and he was like. Yeah, he's going to be pouty cuz he. can't He's incapable. Incapable? Okay, why is he your boyfriend then? What? So, that's. Well, probably cuz you make $200 a month. and you did use someone to survive. Um don't use him considering I'm the one. providing for him. So, How? You make $200 a month apparently. according to yourself. Well, um. considering he's living at my home. He. moved out here from Washington. You have a home. You're renting.

It's my mother's home, but still my. home. When was the last time you made money. was the question I asked. Um probably. 2022. from Twitch. I was streaming a lot I was. making like three grand a month. Now, why can't you stream now? Um it's not. that I can't. It's I took a step back. over the last several months. I had a. really really bad mental toll from the. streaming because of the type of. environment it was. What was the. environment? Um it was really toxic. It. was very clicky. It was very much so.

people. if you can't offer the same amount of. support that they're offering you. they'll turn on you type of energy. Okay, but but they don't. But. I don't know. They. Whether or not Whether or not another. YouTuber is giving me a pat on the back. doesn't mean I make videos you don't. make videos. Um that it's about the fact. that what you have to understand is a. lot of these streamers will come in and. cause problems in your stream. What? Um. and or spread rumors around their Okay, what's your rumor? Um What's your. allegation? Everyone has an allegation.

It's 2024. Well, considering. I was dating a streamer and um he had. lived with me for the time being cuz I. have a bad ta- Yeah, I make bad. decisions when it comes to. relationships. Please answer. And he had. decided to say that. there was an SA assault. So, you. assaulted him. That was his allegation. Well, what did he say you did? He said. that I had kissed him with while he was. sleeping. Um. But I have video evidence of him.

refuting that claim because he had said. it in two literally two. me and destroy me. And I have the video. of him saying like We live in such a. weird world today, guys. This is the. This is awful. I'm so Today's society is. so weird. Yeah. That's why I stepped back though because. I don't want to have to continue to put. myself through that. situation to be in and to be on the. receiving end of it because of my own. personal history. It was just like I. can't mentally handle that.

Okay. I don't think he's capable of a. relationship. I definitely has no ability to advocate. for himself like an adult, whatever. Okay. All right. Cool. So, that happened. I'm. sure no one gave a because. Who would give a. Plenty of people did. Well, yeah. I mean. there's pearl clutches out there, but. borderline stupid. Um. Because if you had video refuting. I mean that's more so what I'm talking.

about if you had. evidence. I I have evidence in case like. anything legal came of it and that's why. I have that evidence, but I'm not also. not going to sit there and. defend myself Nor should you. If. someone's throwing out something stupid, you shouldn't. You know, like I'm not. going to do that. I just chose to step. away. You're just enabling people to say. bad things. to start back on streaming. I'm also. currently working on trying to get my. food handler so How's your audience? How's your audience? I mean it's pretty. decent. I Will they come back? I know.

streaming is like if you even stop for a. couple days. loyal viewers luckily. So I have to. are they like you know like. They're subscribers. men with money? Like that kind of cuz. that's sometimes right in your position. here. My whole like spiel is how I. interact with the game. a just chat? Uh no no no. I'm a gamer. Oh okay. video games but It's very interesting. I'm sorry. I know we haven't really. jumped into numbers here but I'm very. curious. It's rare that we have another. creator on here and this is very. interesting for me. Yeah, no. Hey. Uh so.

okay and then we hope to upsell them. into the OF with the. I actually do not advertise my OF on my. Twitch because I. Well and it only makes $200 a month so I. guess we're not surprised. What's the most you made off of that in. a month? Uh Twitch or only. OF? Only I think I've made like 5 to. $600 one month. Okay. So it's a it's a. joke. It it's passive. Yeah, it's. passive. and. it's nothing. Yeah. Okay. Uh so pouty boyfriend? Yeah, that's a he.

was my friend for a very long time um. and then we kind of started like. flirting and talking and all like that. Um. I love my mother but my mother and me. sometimes get into it and my mom can be. um. in the heat of the moment she can be. very vindictive and so I got kicked out. one night which was fine but at that. time I didn't have anything so I was. like literally on the side of the road. um and. he made the stupid and I appreciate him. and I it's because of this that I feel.

indebted to him and which is why I have. allowed this to continue as much as I. have. He made the decision to drive down. from Washington state up down to here to. pick me up to live with him but he's. living with his parents and or his. grandparents and. this have to do with anything? I'm so. confused. And so um. we get down there. I'm in an unsafe. situation cuz he's parents are or his. grandparent is cutting off the Wi-Fi. completely. I have no service out there. and unfortunately I need access to be. able to call. cutting it what.

dangerous? Um I need access to be able to call an. ambulance or anything like that and I. did not have that because he was cutting. the Wi-Fi. Um okay. Were they cutting it to punish or was it. worth just getting rid of Wi-Fi cuz we. just don't need it. was it was it was a very manipulative. because he wouldn't do something in the. yard. They'd cut it for a week and Okay. Like punishment. This is so weird. Okay. I don't What the [ __ ] are we talking. about? Oh, this is such a mess. You asked about him so I I did but it's.

because he came up Yeah. uh for something I'm forgetting. This is. weird. So you make no money. I'm just trying to. get a baseline here. no money. I make some money. It's just. not enough to survive. Yeah, it's not enough to survive. What can you do with $200? Not much. And you're living with your parents. My. mother, yeah. 25. You have a boyfriend that you hate. I. don't hate him. Okay. To be clear to the. entire audience he was huffing and. puffing outside so I came in and I said.

he can come to the green room and just. hang out if you want and you said no. He. should not. able to be more honest with than having. him who I have considered. feel like you can be honest? Not in front of him. What? Why? Um just. because. there's always some level of judgement. when it comes to financials and fi- he's. Huh? Does he make money? No. What the. [ __ ] Well. what? Um there's always a bit of like so. if.

I. make any comment on um his financial or. anything like that it's he loses the. confidence. He doesn't want to do this. etc. Oh well. he's a guy. like um. literally ask me okay, well I don't have. enough for this. Can you cover this and. things like that which is. You should give him a little peck on the. cheek in the middle of the night and see. if he freaks out. Um I'm good on that. Oh, you don't want to touch him? That's. right. Yeah, we're pretty We're I'm at I'm at. my breaking point with him but yeah.

Are we allowed to have him on in the. post show? Yeah. Will you allow that? Yeah. Okay. Mm well save that We'll save that. for the post show cuz this is drama and. we need to get into the actual numbers. This is financial audit. This is so. Why? I'm just trying to establish a. baseline and your baseline's confusing. I'm just trying to see where you are. Okay. The last couple of months have. been rough because of the lung collapse. but. Well, maybe we're not inhaling random. Maybe we're stopping smoking. Maybe. I do want to quit like I said. It's just.

What? I have to get help from a GP which. I don't have right now. Then go. And you can afford essentially free. health insurance. Um I'm on my mom's health insurance for. another year. But in a year I lose that health. insurance. Okay, go now. It's not a year from now. And um Now is not a year from now. I. don't know if you know this how the. calendar works. I'm aware. Okay. Um so the thing is is with her. insurance and with how everything is um. there's a lot of things that are not in. our insurance anymore.

Okay. Okay. Okay. Then maybe you need to. get off and you need to get on to a plan. for someone that makes no money. Okay. Listen. I know. I I've made some. I I want to establish. I'm still trying to establish a baseline. and I just have one more thing to get. there I guess. What were you What was your last real. job? Um I was a fraud investigator. previous to all this. And your health got in the way of that. seizures uh on a weekly basis.

Okay, then you just Listen, if you. cannot operate because like literally. your body won't allow you to then you. just need to get on disability. It's. meant for people like you. But that just feels like taking. advantage of it. No, if you're if you walk outside and. have a seizure and can't survive that's. different. Now obviously you should take. a little more control of your own health. by. not. Yeah. collapsing your lungs which was a. bit of a choice on your end. Yeah, definitely a choice on my end. Even when you think you've got your. finances in order, bad credit can still.

hold you back. Need to apply for a loan? Denied. Apartment hunting? No response. And that's where today's sponsor Kickoff. comes in. Kickoff provides you with a. credit line designed solely to help you. build your credit not to blow cash on. taquitos. Simply pay on time and the. credit bureaus will recognize your. responsible behavior. Before you know it. your credit score improves. Plus there's. no credit check, no hidden fees and you. can opt out whenever you choose. Kickoff. users see their score jump by an average. of 28 points and it only takes a few.

minutes to sign up. You heard me right. It's that simple. Users with credit. under 600 increased their credit by an. average of 28 points in just the first. month which is crazy I know. You make on. time payments, credit bureaus see good. behavior and your credit grows. I've. used a ton of apps in the finance space. So many are confusing and not. comprehensive whatsoever but the Kickoff. mobile app is a breeze to use. Even my. grandparents could get on board. They. have over 100,000 positive reviews on. the App Store and 98% are five stars. Build your credit fast with Kickoff.

premium the best credit building plan to. jump start your credit. Get your first. month for just a dollar at. getkickoff.com/caleb. That's Kickoff without the C. g e t k i. k o f f.com/caleb. Special offer applies to new Kickoff. customers for the first month only. Subject to approval and only available. at getkickoff.com/caleb. Terms of offer are subject to change. Don't let bad credit be what's holding. you back. Let Kickoff help you secure a. better financial future. Head to. getkickoff.com/caleb.

and get started now. Thanks to Kickoff. for sponsoring this video. Um so I was. on 3 mg vape juice. If you don't know. anything about nicotine milligrams. that's actually one of the lowest ones. you can be on cuz I was working on. lowering to quit to actually when I. collapsed my lung. How's your lung? Um. so about a month after my lung collapse. I ended up getting something called. Tietze syndrome. Oh my lord. Are you able to How How are you even. here without just like disintegrating?

Like you have everything. Trust me, I'm aware. That's why I don't. leave my house very often. You are pretty pale, yeah. Are you saying I'm a vampire? Okay. Um but yeah, so I got Tietze syndrome. and I've been recovered from Tietze. syndrome for about two weeks. Tietze syndrome? Isn't that what you're. selling on OF? Uh yeah. Okay. Well, where do you think you are on a. scale of zero to Okay. She already.

knows. I'm well aware that I am in this. situation. Hammer Financial score, free link in the. description below. If you want to come. on here and you're not afraid to leave. your house. uh CalebHammer.com/apply. We'd be happy. to have you on, guys. Okay. I mean I'm. not Oh yeah, I'm a little afraid to. leave my house. Look, I got here. I made. progress. Antonio? That is that's a drive, yeah. I. made progress. Okay. Well, trust me. I'm someone that's not. getting on planes so it's like I can't. What What am I. you know. Okay, so. I also want to establish to the audience.

by the way cuz we're headed into the. paperwork now. Of Half the you sent were like pictures. of like you taking pictures of documents. instead of just giving us a screenshot. or a statement as we requested but not. only that but you had to come here and. then Mr. Jacob uh had to go sit down. with you and. get pull documents from you to just. yeah, understand things. Cuz you're just incapable. of accessing I there's a lot I have.

access to but there's a lot that's just. paper copies is the thing. So that's why. they were pictures. Uh-huh. Oh, there's a lot of collections. and I think we're even starting with the. collections. $5,836. here. I said tender. Huh? From that's from my car. Why at 25. years old. your car. I got. uh in 2022. I had a predatory loan from 2020 for.

that That you signed. Yes, but I didn't realize how predatory. it was at the time. Tell me what's predatory. The interest. rate was originally high. The monthly. payment was. What was the interest rate? Monthly. payment you would know. I do not know. what the interest. rate was, right? Oh come on, you're telling me it's. predatory, you're a little victim, so. you would at least give me some. information that would assist The. background on that. So in Texas there's. a law that where if you can't do your. full payments, you're allowed to make. partial payments. They refused to allow. me to make any partial payments. If I. did not. What was that What's that law? What's.

that law? It's a law in Texas where. because of the fact that it's a. financial uh. So it's. I forget. What what does it exactly state? What. are you referencing? So meaning. if a person cannot make a full payment, they can still make a partial payment. what? To whatever loan. Any loan ever? On autos, cars specifically. On auto. loans specifically. They are supposed to allow you to make. partial payments. And it would probably. get added to like the end of the loan.

There would be late fees. There would be. something. Well, who knows about. able to at least partially pay. Maybe. I'm I'm trying to find it. Santander refused to allow that. So. In Texas there is no specific law that. guarantees a right to make partial. payments on car loans without. consequences. Typically auto loan. agreements in Texas and elsewhere are. binding contracts between the lender and. borrower and the terms are set by the. contract usually govern whether partial. payments are accepted. So what are you. talking about? Where did you even find. this out? That was through my mother, so. Oh thank goodness. Oh okay, I see. I.

thought maybe you talked to someone that. had any kind of like knowledge or. background or qualifications. Buddy, I was able to figure this out in. 2 seconds. Also, how much do you smoke? Not that. much. I have to smoke to be able to eat. and I have to smoke to be able to sleep. Okay, cuz you have a bit of dankness. Okay, yeah, and we're talking I was. looking This is from texas.gov. and from Texas Law Help. and from Experian. Okay, well So you don't know what the. [ __ ] you're talking about. No, I did not, I guess. So why is she.

someone worth listening to? Because. Well, because she birthed you. I mean, that's a usually a good point, but. right now she she has pretty much. completely taken care of me, which I. mean, not the proudest moment of my life, but. Again, I mean, if there's certain health. things, that's not necessarily a bad. thing. You know, it's just understanding. your life. Careful, don't scratch your. skin, your arm will fall off. Okay, so. All right. I am trying to work on. getting my food handler certification,

so that. So what are you going to do with that? Get a part-time job at a fast food. place. Hopefully like I think you can. get a part-time job at a fast food place. without a food handler certification. No, you need the food handler certification. to be able to to handle any type of food. or anything in the state of Texas. That's a requirement. If I was to do. like um. cashiering or something like that, that's not necessarily where I'd need a. food handlers, but you have to have a. food handlers to be around any type of. food. That is a requirement.

Most jobs sometimes will provide you. with it, but it is easy. mean, that's probably it then. It's. probably just that you go through um. training or onboarding. Or onboarding. Okay, well, that's. different. But some Well, why aren't you doing that. then? Cuz that's that's different than cuz. what I'm picturing is like you going. through this whole extensive process. just to drop some fries in a fryer. This. is just something you go through the. onboarding process. Because of my health, my mom is very. trepidatious to let me do any work. Okay, Mom, you're 25. I don't.

And on the one hand it's like yeah, I do. understand the that logic, but she's. also providing for me, so I don't want. to. Yeah, there is that part and that is. that. the mouth and do something against her. and then I'm ending up not able to do. the job that I would like to be able to. do and self. My mom does enable a lot of. things as well, which you have to. understand. Like I mean, even if you. look at my finances, you'll see like I. have a I do spend a little bit for the. dopamine hit and I try not to, but I've. definitely gotten better over the years,

but I'm definitely not where I should be. and she helps with that. She enables. that, you know, it's if I. This became mandatory in 2016, so it's. actually relatively new. But yeah, you get this usually through. the onboarding process, so that's. different. I haven't I haven't gotten called for. any interviews or anything like that, so. I'm hoping. Okay, show me your resume. Um. on my phone or on the laptop or what? Phone's fine. Phone's fine. Uh file. These things are staring at me. My gosh.

I'm sorry. I told you. Just trying to. look at numbers here. Okay, so a car that I got repoed. What. was the car? And it was predatory, you're a victim, you can't give me any. information on how So when I. understand the law. Okay. Listen, you're. working at food service. We don't need. two pages on a resume. A two-page resume. for like Come on. Like that's step number one. Step number. two, don't use a. Android. That's a magnet. You can pop it out of.

the case if you need to. Oh no, no, no, no, no, no, no. Please don't do that. I. need to do that. I DON'T KNOW WHAT'S HAPPENING. HOLD ON. I can just take it out of the case for. you. Just want to look at this like a normal. damned device. I have to have the magnet on the side. from touching this phone? God, no. Um so I have the magnet on there so I. can be able to hook it up to any type of. metal for content creation purposes. Okay, fraud investigator 2018 to. current. That should have be current. I. updated that. Okay, cashier customer service March.

2018 to March 2018. I don't think we put that on a resume. cuz no one will Why would anyone want to. hire you showing. jobs require at least 3 years of job. experience. Sure. But just don't put that on a. resume. You showed that you worked one place for. less than a month. I wouldn't hire you. Fair enough. It's showing that Okay, I'm. giving you I want to give you actual. like. feedback here.

Okay, and that's Walmart. Yeah. Cashier. at Whataburger 2017 May 2017 to October. 2017. Again, that just looks bad. Cashier Popeyes from March 2017 to May. 2017. I know why you're not getting hired. It. shows like you. when I was in high school. I don't give. a It shows that you do not stay. anywhere. Waitress from August 2016 to. December 2016. Arby's November 2016 to November 2016.

So I think that my. I think that this resume that my dates. are messed up to be fair because. Okay, maybe you look at your resume. before you submit it. What are we in. kindergarten? is just one of the ones that I grabbed. from my drive. I don't necessarily Also, the write-ups for these, I mean, COME. ON. GIRL! GIRL! GIRL, WHAT? Your write-up for the Whataburger job. and Walmart job are a copy and paste. Some of them are, yeah. Cuz they are.

pretty much the same job. But Do you not. understand? There are slight. differences. Not in those two, but in the Arby's. there are a slight difference. Yeah. So that's what I mean when I say I have. resume I've ever seen in my life. I Okay, I think that's a bit of a. stretch. I've definitely seen worse. haven't. Okay, maybe you have. I. haven't. Don't take inspiration from. them. Also, your real name's crazy. Yeah. Make. sure it's bleeped if it can be seen on.

screen, but that is a wild name. Is that. your real name? Legal name? What kind of house do you. come from? I'm. Not a judgment, but also. and American. Explains the anime, I guess. Okay. Well Look, it's. They're great. I don't know what you're. talking about. I got them. You know how Hey, everybody. loves a nice set. That's why everyone subscribes. That's horrible. I mean, I think Listen, this resume's.

trash. One, it's a service-based resume, does not need to be two pages. Three, it. says copy and pasted. Four, wait, did I. skip two? Four, it. is. just. showing that you don't stick at a place. So. At that point just honestly lie. I mean, don't. But like Are you kidding me? That's I am. not surprised. that says current was supposed to be. till 2021. I was there for 3 years. Listen, I don't care. That is a resume.

I'm not surprised you're not getting any. callbacks. That is horrendous. Do not show the jobs that you worked at. for a month. Barely even show the I. would just tweak. I don't know. And two pages Okay, so this car got. repoed. You can't explain how it was. predatory, but it was predatory cuz it. was a bad interest rate, which. everyone's on this show is. um when I first got the car, it was in a. situation So this was right when I was. starting the CBE job um again. So um.

I had a. uh. job with them. I ended up having to. leave due to some of the I have an NDA. I can't discuss the way I left and. things like that and why I got hired. back, but it's all it's all because of. an NDA and things like. Okay, okay, okay. And when I was going. back, I needed a way to transport to. work. This was right before COVID hit. and I. Bus. was working in New. Braunfels and I live in University. That's a 45-minute and there is no bus. lines. Okay, that's where we get a. different job. Um.

Serving coffee, doing anything. Listen, you've worked at Whataburger and Arby's. Do it again. Guys, for a few weeks only my new debt. mastery class is 35% off. Plus, the. first 500 that sign up will get access. to a private live stream where I break. down how I got out of every single cent. of bad debt and how I now use good debt. to my advantage. We still have a few. spots available, so get in now. I'll. answer all of your questions there, as. well. In this debt program, we don't. just focus on paying down debt. I'll. show you how to use debt to reach your.

life's goals, how to negotiate your. debt, and frankly, negotiate any type of. payment with anyone. We'll also go over. how to curb those psychological and. overspending issues that keep you from. living your dream life. This includes 10. tools that you can use to quicken your. debt journey. Check it out, guys. Limited time only. Link in the. description below. I literally the the. reason I have an NDA, um I fought for. this job. I wasn't going to give up on. this job. Okay, but also uh give up on it cuz you. literally couldn't make it work. And. sometimes we have to make sacrifices in. life to survive. even though it was slightly predatory,

and I was aware that it was slightly. predatory, I thought I could handle it. It wasn't until I had. your monthly payment again? 625. High. You signed it. Okay. Um What was the. car? It was a 2020 Outlander Sport. So, it was repoed, they sold it. Okay. Your remaining is 5,836, and you allowed. that to go to collections? Yes. You didn't get on a different payment. plan with them. So, this is in. collections. Yes. Okay. Let's Let's keep going. Um. so, the reason it was in collections cuz. we were going to dispute it, but Dispute. it. Why would you dispute it? How would. you dispute it? How are you going to. win? Cuz you thought there was a law.

that didn't exist? And that's the point. of it. Yeah, that would have worked really. well. Okay. Uh this must be collections. This is a. picture you took. Okay. Yeah. Okay. Uh original creditor, Citibank. Citibank. what? What did you have at Citibank? think it was Citibank. I think that's. just what it's under, but it was should. have been Capital One. Best Buy? Oh, no, Best Buy. That would make sense to have, too. Those are the two. And this is in collections? Yes. I was. in a pretty nasty relationship, and um. Seems to be a common occurrence, but.

this one When I say nasty, At a certain point, when This was. abusive. This was the like domestic. violence. Well, that's bad. So, um. unfortunately, my That's when a a lot of. this actually happened with the finances. getting hit so hard was when I was in a. that relationship, and I kind of ended. Don't set me up like that. I'm sorry. I. can't make jokes like that. You can't say the finances hit you hard. You can't. Stop that. Just stop. You can't. I can't. make jokes like that online.

But. But I can It happened to me. I can make. the joke, okay? me. Okay. You know? Okay, so the interesting thing. about this is there are payment plans. You've just not. I haven't done anything with it yet, um. because I'm I'm not making enough to. really Well, you make $200 a month, and. none of these payment plans are even. considered. So, there's the one you. you make a single payment of $2,612, and they'll save you $653. So, 12. payments of $232, and they'll save you.

$470. Then 18 payments of $160, and. that'll pay you. $368. What? I wouldn't be able to do. that logically. Of course not. Uh but. we'll write down the 160. $160.96. We'll write down that as the. hope. Okay. Yeah? Fair enough. That's fair. Okay. Let's see. Capital One, I'm guessing. Capital One. Yeah, that one was uh also. in collections, I'm assuming. Also from when I was with my uh ex, and.

The super bad one, or the other less bad. ones? The super super bad one. Oh, super. super. Okay. $600 $57.82. You could do payments of $84.80. on this. Also really high. Well, yeah. I mean, but honestly, you. know, to the median person, even those. you know, making under like $30,000 a. year, $84 isn't insignificant, but we. could budget it in. You just make. nothing. Yeah. And that's what I need to.

start working on. Well, so one thing we. should do. it obviously is. Fix the resume. Well, yeah. Can you. take that? Um one thing is go through uh. go through Course Careers' like free. course thing, where it just kind of. connects you with what it thinks would. be best for your career, and then we'll. gift you the full course, whatever you. end up going through, so you can get an. additional certification, okay? So, go through that. You get that for. free. Also, never open a credit card. again. Yeah, no, I don't plan on it. I I.

So, that's the thing. Use something like the prepaid card or. the debit card. Almost everything All of. my debt is now in collections, because. for the past 2 years, I have not touched. my credit. I have not opened an account, touched a credit card, or done anything. like that. I did take out a Fig loan, I. think maybe a just. under 2 years. What What are you getting. Fig loan. It's a personal payment loan. Okay. Um. But that was like. if it was within the 2 years, it was. right when the 2 years was up. there's gold on your cheeks, right?

Yeah. Okay. It's highlighter. Cuz You took highlighters to your face? Oh, no, not not like actual It's a. makeup product. The woman will understand. Lindsay, do you understand? I do. Thank. you. Exactly. Listen. It's not for you. not for me. That's fine. Not for the camera, either, is it? Look, I sparkle like a diamond. I don't know. what you're talking about. That's the.

closest you'll ever get to affording. one. So, what is this? Oh, it's a vet thing? Yeah. So, Oh, what happened? Um Chewy ended up getting a hold of a. rope toy, and What's What's Chewy? Chewy's my dog. I have two dogs. Um from. that abusive relationship, we we got. them together, and he was not just. hurting me, but hurting them, too. Kill that guy. I will go right now. And so, um. I kept both of them so that they would. be safe, but unfortunately, because of. where I am financially, it's very hard.

to take care of them, and so. Yeah, yeah, yeah. Yeah, it's hard. Um He. ended up getting something stuck in his. intestine, and uh Oh, yeah. 10 inches of. his intestine had to be surgically. removed. And was he with us? He's still with us. Okay. So, okay. So, we're good. Um yeah, just happened to my dog, as. well. Your bill was a lot cheaper than mine. That's uh so, this is now what it is, but it was higher. I was making payments. on it, and I was doing good. It was uh like 1,300,

Wow. Mine was 32,000. Yeah, no. Uh that was my cat near close. to what what my cat would have been. Um. but Wait, this was your cat? Uh. that I I have a another vet bill that. from the previous that I have a. CareCredit for. Honestly, today, it just I I'll put this. out there. If we can't afford pet. insurance, Yeah. because pets always try to kill. themselves, we can't afford pets. My cat's that cat that I had the open. the CareCredit for is actually no longer. with us. She died in November of 2020.

old was she? Um. close to 12. She was She was up there in. age. I'm sorry. That's hard. It. definitely is. So, you owe. for the dog intestine at Why was yours. so cheap compared to mine? I'm so. curious. That was the surgery and. everything? Because they really really liked my dog. I guess I should have They liked my dog, too. Maybe I should have. I should have cried. They loved my dog, too. Maybe I should have cried. Actually, I did cry. Yeah. It's a scary. situation when you're about to lose a.

pet. They just didn't like me. Uh they. Wait till you find out I have another. cat and a bunny, too. Why Why are you. getting pets? You can't afford pets. That's selfish of you. Okay. The bunny, I did The cat was gotten, again, 2 years. ago, right? A little bit before lithium. Okay. Okay. Um and. a payment plan with these guys? I was. I'm no longer on that payment. plan. Um is this collections, or is this. just what you owe? You You You Wait, what was the payment. plan? Um it was 150 a month. Okay. Oh my.

gosh. No offense. And it sucks that it. sucks that it's a it is kind of, you. know, it sucks. Yeah, that one was my own stupidity. I. didn't realize. Reality is you just can't afford toll. roads. Yeah. Um that was If you look at. the the funny thing about the charges is. the charges were ironically made in like. 2020, 2019, and. that ironic? Um because. it's been that long, and I don't like I.

haven't driven since 2022. Since my car got repoed. I don't drive. So, this was before even that. Okay. And. it's just literally 60 bucks. And if you. if you look at the actual amounts, you'll notice that I only owed like a. dollar or less than $2, and it somehow. got up to that because of the past due. fees. They don't play around. Those toll. roads don't play. And you can't afford to take them. Sorry. And on some places in the. country, it's like, oh, can't take a. toll road, it's going to suck. But.

a lot of times in Texas, you can get. around. Huh? That's the start of my medical. That's not even the full extent of them, because I didn't get some of them until. after I'd already sent them. 107 bucks. I have a 4,000 something. medical one. Okay, but this is 107. Yeah, that one's. 107. I have a $500 one. And payment plan with this? It would be. 200. even start This was from. August. This was from my Long? My lung collapsing. Okay. So, that's just now hitting. That's a. bit scary. How do you think your lungs. feel on a daily basis when you put 10.

cigarettes into them? Yeah. Want to quit. Working on it. One of the. biggest questions I get asked is, "Where. can I find expert advice about your. money that's customized to you? How can. I retire early? How can I get my money. make more money? Should I be buying or. renting in today's crazy market?" So, let me tell you about the company that. I'm using myself that is an absolute. game changer. Domain Money is helping me. get the most out of my money, and they. can do the same for you. Their expert. certified financial planners get to know.

what matters the most to you. They do an. insane amount of analysis on everything. that touches your financial life, including looking at all of your. expenses and spending trends. And then. they They it all down into simple, realistic steps and tell you what you. need to do to reach all of your. financial goals. Using someone like this. makes it so much easier to make smart. money moves. No BS, no sneaky fees, just. real expert advice that actually helps. you get your finances in order. I just. started working with Adriana Adams and. she is fully aligned with everything I.

stand for when it comes to smart. financial decisions. If you like my. straight shooter, no tequila attitude, you'll love working with her. And the. best part, you can work with her to get. your own finances in shape. Here's how. you can get started. First, you schedule. a free strategy session with Domain. Money. Yep, you heard that right, free. Then you get to choose Adriana or any. other awesome CFPs to work with. They'll. dig into your financial situation just. like on the show. Everything from. spending habits to long-term goals. Then. they'll build a custom plan just for.

you. And the best part, no surprise. hourly charges because you know how much. I hate sneaky fees. It's all up front. with a flat fee. And if you need more. down the road you can book additionally. by the hour, only if you need it. No. strings attached. Domain Money is. helping me get my long-term financial. game in check and I can't recommend it. enough. If you're serious about ditching. your bad money habits, check out. domainmoney.com/caleb. or click the link in the description to. book your free session. You and I both. deserve an actual expert to guide you.

So get started at domainmoney.com/caleb. or click the link below to get started. today and take control of your financial. future. Uh oh, this is. Credit Karma, let's see. Oh! What is this? $27,118. What is this? be my car or I don't know. What car? Where did you We we we went. through your car. It was $5,836. that one's from. What do you mean? It's $27,180.

Isn't that insane? Yeah, I've never spent that much, so I. don't. understand where that could be coming. from. Maybe the original balance of the car. before they sold it off? I think so. So 75-month term you took. out. That's insane. That sounds like my car, the 75-month. Yeah, yeah, you got off easy, they're. saying. Sounds like. Yeah, I I definitely. Cuz they were able to sell for a decent. value, probably cuz when they repoed it, yeah, the car market was still a bit. more wild. Not that it's fully recovered, but Yeah,

it's definitely. lucky. I. In my application, I definitely thought. it was a lot higher I thought my car. Explains your monthly payment. What that was a lot higher than it was, and the fact that it's as low as it is. is like. Oh, okay. It's not as bad as I thought it was, but. I also am not going to be unrealistic. and then underestimate the damage that. I've done to my life. So you haven't. driven since 2022. How have you been. getting around? My mother um my. boyfriend. So the only reason you're. with him right now is cuz you kind of. need him. Like be honest.

not the only reason. I do care about him. and I do love him. It's just I. Are you breaking up with him? I most. likely will be if he. Does he know this? Yeah, he's well aware. He just refuses. to listen. what? Um unless he can step up and. What do you think he's going to be or. come onto the camera in the post-show? Uh yeah, we'll see about that. He's kind. of. I don't want to say that word. How does he feel about you doing all. that? Um he doesn't care. line for people.

He does not care. Which is ironic. It's. Is he a part of it ever? Yeah, he We. have some content on there. Yeah, every time. Lots of OFers on this. show recently. Yeah, it's a it's a. Is every Everyone's doing Everyone's. doing the OF these days. passive income. That's what you have to. understand. There's Give me to 10. million subscribers and I'll post my OF. online, guys. Oh my god. I mean. I don't even. They call it the hammer hole. I might. just make a few extra accounts and just. mass up to help you, you know. And my.

tagline is any hole will do. Oh god, I. You're gutsier than I am. I'm proud of. you. What can I say? I'm brave. Oh, brave soul. This is a finance show. Fig Loans LLC. Yeah, that's that payday. loan type thing. got a payday loan? This was a couple um. This was a couple. a payday for? That was at the time it. was used for something that I needed for. content creation. I don't even remember. what it was. What?

I mean, technically those would be. non-taxable. Just saying. No, no, what did you actually get? I literally. on, best guess. years ago. I'm going Say. It was. probably If I took out a payday loan, I'd know what I took a payday loan for. It wasn't a payday loan though. It's. That's just the It was like um. It's. You know how Cash App does the borrowing. system? Oh, good. What is that? What did you get? Come on. I believe I.

think I I'm pretty sure it was either. some lighting for my stream and I think. a monitor. Um. I don't know if. it covered all of that, but I know it. helped me cover for it. Which I needed at the time for my. content. Okay. This is just. Yeah. What? For [ __ ] sake. This balance is huge. What is this for? $5,836. That's probably what I owe on the car.

Okay, so I got Okay, I got I just got. two different looks into that into that. Okay. Portfolio recovery, let's see. Did. Did Did I do this one yet? $568. That's an extra Look, if you look it. says Santander Consumer, which was my. auto loan. That's some type of extra. thing for my auto loan. I don't know where that's coming from. It looks close to what your payments. were. Yeah. I don't even know what I owe on my car. at this point because it's so all over. the place. Is there anything else? Is there any.

other debt? Is there any other active. things? from my lung collapse, no. Huh? From your what? From the lung collapse. Oh Oh, how much was that? Um I know one. of the bills was like $4,400 something. One of the bills was $500 something, and. then I have like two or $300 bills. Well, how many of those two, three. hundred? No, I'm saying two The quantity. two or three, and the amount $100 bills. We'll say three, we'll be safe. And no. payment plans you've never discussed.

Currently Not currently, cuz it. literally just happened. In August, you said. That's not just. So in August is when it happened, but we. didn't get the bills until just now. Like I can pull it out and you can see. like I literally just got the bill type. thing. What else? Cuz I feel like I'm. You don't know your situation, so I feel. like I have to be missing stuff. The only thing that I am missing is um. the CareCredit that I used on my. cat before she passed. And. Okay, how much is that?

and um at the time I want to say it was. like $1,600. For [ __ ] sake. Have you ever paid a bill in your life? I was. Everything's in collections. Everything is now in collections, but. when I first initially got it, I was. keeping up with everything. It wasn't. until after I'd lost my job in December. of 2021 due to my health that I stopped. being able to take care of everything, and I've just kind of. Um Not those, the. these. They're just really loud. I hope it's. not being picked up in the audio too.

much. Try to hold still. Yes, that's what I'm trying to do. Uh. it wasn't until after I lost the job due. to health reasons that everything just. kind of um took a toll, and. to be fair, it is on me entirely, and I understand. that, but there was a point in time. where it was just like. I didn't I didn't know what to do, and. it was just purely existing. you going forward? That's what I want to. figure out. What's Okay. All right. All right. We have a checking.

account. So you don't think there's any. other debt? I I. I didn't say that. accounts are Huh? I don't think there's. any like debt. I don't think I do do a. little of spending, but I don't think. there's any more debt. Yeah, you're spending. saying and we're about to get into that. It's It's ridiculous. So I don't know. how How much do you think you spent in. the last month? $200 came in. How much do you think you. spent? even want to. Come on, how much did you spend? Probably like 500 to 600, I want to say. You spent $1,000. That's insane.

How do you do that if you make 200? Yeah. That's not a question or an answer. Mine was a question. What would you. answer to it? How do I do that? Unfortunately, my. me. Why would you do that? Your mother. enables you? You're going to blame Mama? it on her. What? You just said she enables you. She does enable me. It's It's my choice. on. What is it? What does it look like? What does it look like? way, shape, or form is like Go on. "Okay, hey, I would like to get this. thing for my game or whatever." And. she's like, "Okay." And she'll just send.

it. And There was a time. that doesn't make sense because not. enough money came in to do the $1,000. You had Zelle in 500, then Phenix. We know what that is now. Unfortunately, I've learned. 126. Yeah, it's usually the OF. Yeah, that's OF. And Cash App 127 in. So. 552 came in, only 126 was earned. Okay, great. But even still, if Mom was. sending that 500, 1,038 was spent. I'm trying to figure out where.

why my mother sent me 500. Cuz I. Well, I don't know. Cash Zelle in total. was 499. That I think that's over time though. I. don't think that's. Well, it was within the month. Yeah, I'm. saying within the month. Yeah, so that's how my mother sends me. any money. I don't Okay, but you're saying she's. enabling you. If you want something, she'll pay for it. It's not explaining how $300. more was spent. than came in. That shouldn't be the case. It is the case. out my accounts are zero.

The Cash App LOCs were the difference. came from. Ooh, we were Cash App. borrowing for a little bit there. A. little bit there, as in like it just. happened. A little bit there. How do you. not know that? Why would you not tell me. that? Why do my producers have to tell. me that? How would do you not know that? I do know that. I just When I'm asking. you how that difference is I didn't. understand. they have to tell me? understand that's where the difference. was. How? I How do you not know your just basic.

What do you mean? Stop kicking the chair. Go through our debt class. Go through our budgeting class. Go through our investing class. That's. not even part of this conversation yet. But the especially the budgeting and. debt class, you need to go through them. immediately. You get them for free by. being someone on the show by being a. guest on the show. You guys get them at. a discount right now. Link in the. description. But make sure you go. through them. Take the education. Make. sure you're actually learning. And I will say.

to go through it on your own. Cuz I call. out the stuff here. We'll do a makeshift. budget and some suggestions. But you. need to do the actionable steps on your. own or else nothing's going to be done. ever. I've kind of been at a point where. it's just like I'm kind of just existing. and. that's the whole point of me wanting to. do this is I don't want to do that. anymore. I do I don't even know if. you're existing, dude. Zelle money sent. Who are you zelling 38. dollars to and four cents? And then. another 25,000. Who are you zelling?

That would be whatever change my mother. gives me. I would send back whatever I. don't need. So she sent you a [ __ ] ton. She sent me some and then I'll send. whatever change is back. That's how it. works. It's about safety. Blizzardent? Blizzard? Oh yeah, that's. Oh, Blizzard Entertainment. Yeah. Like I said, I do have a bit of a. problem with I I What are you getting? I'm better at that well than I was. Huh? What are you getting? It's cosmetics or. purchases. Oh for sake. I know. Earn that.

I know. And why do you do it? Because. I know. So a lot of what I spend on the. games, I take that out of my only money. And everything else. Well, you don't make only. you have to be immediately spending. more. I just Also, how do you buy. So because of that medical expense of. it, my mother actually is the one who. covers it. Because it's. you buy it? Um so it depends on the. circumstance. Most of the time I get it.

just through regular people. Um The letters? I apologize for not to. use that word, but yes. Well, that's. what they are. Or they do have. dispensaries now. And so I have been. lately been able to go and get a How are. you paying the dealers? Typically through Cash App. Okay. So. that. So it's not just giving your mom money. back. But if there if it's through. Zelle, that's through my own money. If. it's the Cash App. Texas version, Zelle? Zelle.

Um so what you got. I'm going to Zelle you later. Look, I got an accent. I can't help it, okay? Well, only for a couple seconds. Yes, I. try and hide it. I do a very good job, mind you. Oh, come on. People don't in Texas don't. even like have accents. Um you ain't. been to my part of Texas then. All. right, calm down. The teeth are starting to line up with. the accent. Don't do that. Okay. That's Sorry, that was rude. That. was rude. How could you? I'm just. So with the thing with. natural roaster. I'm sorry. I tried with.

the game I have gotten better with it. I. used to be really really bad because. there So I got really into the game. Um. But what are you saying? With my gaming. Bad at the game or your purch Okay. The. purchasing. I used to be even worse than. I currently am. I've toned it down a lot. because there's this game called. Genshin. It's a gotcha game and it's. like gambling in game and it's bad. Yeah, it's addictive. How often are we doing that? What does. this even look like? anymore. I'm completely free to play. now. Except for like five the Except for the. things we already called out.

No, I I just get the battle pass and. that's it. Kindle United. We know people that acts. on them reading. I actually read. Thank you. Go to the. library. Live in San Antonio. I know. they have libraries, different branches. Go. It's free. With what transportation? Uh bus. I know you can get there in San. Antonio. Except for the fact that I live. in a part of San Antonio that does not. have bus routes like that. Not a single. bus? Not a single. two, two. The closest bus is two and a. half miles away from me. Well, sounds like you'll get skinnier. Considering my health, I can't. Or have your the you know the boyfriend. that essentially depends on you and does.

nothing all day, maybe he can take you. to the library like he took you here. Yeah, he definitely needs to pull his. weight on some things. Uh-huh. And then he can reward and make. a video out of it and make money. There. you go. There's lots of. It's a joke. No. This is a very gooning. episode. I love it. Usually we save this kind of goonage for. the post show. So all you non post show. people, you're getting a little taste. into just the insanity that is typically. in the post show. Look. We have fun. It's good time.

All right. All right. Okay. I don't need to hear about it. I don't. want to picture it. Zelling out $42. Cash Apping out 80. Cash Apping out 21. Cash Apping out $54. and two cents. Cash Apping out $45. I do love the. assumption, but no. The $80 one was the. only one for that. What was the rest? It could have been. for food, gas. Why are you getting food? Because. What gas? So because of the condition of. the house, there's a lot of times where. we don't. The house? What's wrong with the house.

now? So the house is in pretty bad. shape. There's a lot. Why are we listening to our mom for. advice if she's if you know. Because she's the only person I have. That's not true. You can email us now. Well, now, but previous to this I mean. Reddit and Chat GPT and Google. and I try to like do my own research on. things, but it gets really confusing. when you have so many people counter It. does. Honestly, we've we've had lots of. That's why honestly, that's why we built. our debt and budgeting investing. program. And people are like, you know,

why would we spend like 97 bucks on it. when everything's free online? It gets. so convoluted. People immediately. contradict and you don't know what is. accurate. So that's why we put in all. this time. I just trust my mom blindly because. Okay, well, don't cuz obviously not. So. what's wrong with the house? Um so there's raccoons that have chewed. in through the roof and um Good. Is this. rented? No, it's we it's a owned house. My mom paid a mortgage on it for several. years and she just She's a mobile home? No, this is a home home, two-story in a. gated community home. Um like HOA?

HOA? Yeah. I don't think they're going to be happy. No, they're not. Let it be known. But there's a hole on the roof that. unfortunately is allowing like black. mold to grow and things like that. Well, where is the. insurance usually doesn't cover critter. Does she have a mortgage still? She doesn't She just finished her. mortgage like a year or two ago. Oh, good for her. But usually. someone like her probably needs a. mortgage cuz it forces her to have. insurance. Why doesn't she have. insurance? Why would you trust someone. that doesn't have insurance on their. property? Also, the critter wouldn't.

Usually doesn't cover critter type. damage like that, but Um mold When she. gotten the house, it was with my father. My father went to prison when I was in. three Oh my gosh. When I was in three. anyone good in your life? Listen, we have the abusive. relationship, which sucks and there's, you know, I'm really sorry. That's. horrible. Then brother with the, you know, crystal. thing. Dad went to jail. Mom who's not getting. insurance. There's issues there if you. need them. Um So is there anyone that.

you're able to lean on at all? Not really. Sorry. That's really hard. No, that's. really hard. You know, we're we're just looking at. where life is and. that is a very natural emotion to have. from just the reality of how life has. been for you. And it sounds like it has been very. difficult, which is not a lot of people. to. lean on. You know, that's that's very. very hard. Yeah.

It's hard. I'm sorry. I don't know if it doesn't I know I'm. not doing enough and I want to do more. I just don't know where to start. Mhm. And anytime I try and get answers, it's. always so confusing and I don't. Yeah. I don't want to be like this and I don't. want to live off my mom off my mom and I. don't want to be enabled and I don't I. don't want to take responsibility for. the things that I'm doing wrong cuz it. is it is my choices and it is my bad. decisions that have gotten me here and I. understand that. But it's also like how.

do I get myself out of this? Yeah. Ooh. No, it's okay. Do you need a tissue? I'm. good. I just need a water. You're okay. I just need a sip of water. No, you're so it's okay. I I get it. It's really. at. Come coming from a place where there's. this, you know, no support, no help and even just. getting incorrect information Yeah. that. makes it so much harder. That makes it.

so much harder. And it's not I'm not. saying none of it. It's a lot of it's my fault. Yes, we we. don't want to immediately. you know, not take responsibility for. anything. No, of course not. At the end of the. day, I've made these choices and at the. end of the day, these choices were made. by me. Even if they were contributed by. outside factors, they were still my. choices and I understand that. When we're stopping at HEB and 7-Eleven, we're getting like a dollar purchase, a. $7 purchase, a $9 purchase. What are. they? They probably sound like packs of. cigarettes. The $9 purchases are.

probably the packs of cigarettes. As far. as like dollar or $7, those are probably. like caffeine or something like that cuz. I have a really bad caffeine addiction. Well, that's okay. Brew coffee. I have a. caffeine addiction, too. Brew beans. They are cheap. For me, too. Huh? I've always been under the. impression that coffee's more expensive. than Really? Well, let's use this as a. learning lesson. Um. It's not. Go get instant coffee. They're just even. Folgers. It tastes like death, but like.

you can at least get that to fuel that. you're Dude, Yeah. I've slowly tried to get off of the. caffeine, but whenever I do get off. caffeine, I get really violently sick. Listen, I So, Well, how much do you How. many milligrams of caffeine do you. consume a day? What the. I drink like an eight Like, sometimes I. can go through a 12 pack of cola in a. day. Um. And that's probably just like cans? Are. we talking cans? It's probably like 800. mg, right? Wouldn't that be about?

Something Something around there? Are. they like 70 each or something? 800? And that's not including the ones that I. a lot. And that's also really We know. we're talking about I I know that's not. fully your control. But, that's horrible. for your teeth. Exactly. like you're exacerbating. your. issues. When When we finally figured out what. was going on with my teeth, they were so. far gone, it just got to the point to. where it's just like, I don't even care. anymore. Like, it. There is So, Shouldn't you though? Shouldn't you want. to maintain until you're able to afford.

replacements? Yes, but the dentist is also like Like, there isn't anything that can be done to. stop it from getting. to do? Does it hurt? Oh, yeah. It's. extremely painful. I can't eat most. things. I have to stick to mainly soft. foods. throughout? It radiates from uh Like, right now? So, pretty much I have a hole in between. the last two teeth here and um anything. that like is saliva or anything that. goes into it will shoot a shooting pain. up to here. And then Is it like. temporary or is it just it's consistent. throbbing like sensation. Yeah. Yeah. And then.

Clove oil is really the only thing that. helps and that's the only thing I. What kind of dental insurance do we. have? Uh Through mom? I know nothing about my medical stuff. Oh, come on. Ask. Um. I have severe trauma from medical stuff. I've been almost bled out by medical. staff and things like that. Okay, but you can ask if you have. insurance, right? have insurance. I just don't know what. they are. that probably sucks, use the health. insurance and get therapy. Uh Exactly. the fact that I've been turned away by. over 30 therapists. Okay, go to the 31st. I don't know. Like, Turned away for what? I don't.

know. I I get I get that. So, I have. diagnosed. BPD, PTSD, ARFID, anxiety, and anger. issues. Mhm. Uh-huh. All diagnosed by medical. professional. Why have you been turned away by. therapists? Um Most therapists the. response I get is, "Well, I could maybe. help you with this issue or this issue. Because of all of the issues that you. have, they're too encompassing and I. would not be able to help you.". Okay, maybe you need to try some online. options cuz you just get put into a.

bigger pool. My insurance won't cover. most of it. Yeah, they don't cover a lot of online. stuff. But, there are things like I. think SonderMind, SonderMind. love to look into it cuz I would love to. get the therapy. Yeah, cuz listen, All. the progress I've made on my mental. health is completely gone. anxiety of needles and I actually. uh I have a a cavity here and a root. canal here that needs to be done. And it. has been I've put it off because. of that. And that's just like At a.

certain point, it's just I'm saying this. as someone who's. that up myself. What What's my If I was having endless. throbbing pain, I feel like I would just. like. Put me under and do it. Cuz like, how do. you survive with that? Luckily, I don't. We all know the markets have been wild. lately. Up one day, down the next, rates. being cut. It can feel impossible to. stay on top of the latest financial news.

that informs your investing decisions. And I'll admit it, even sometimes I feel. a little lost. Luckily, the sponsor of. today's video, Moomoo, is here to change. that. Moomoo gives you access to. institutional tracking where you can see. what the big players are doing, especially in times like these. Want to. know which stocks the top funds are. buying or selling? Moomoo makes it not. only easy, but saves you so much time. And with my favorite tool, Moomoo's. real-time market news and insights, you'll always be one step ahead of the. game. No more waiting for the morning. paper or some slow website update.

Moomoo's got your back 24/7 right from. the convenience of your phone. When. you're ready and feel informed to make. the right investment, Moomoo has zero. commission trading on US stocks, ETFs, and options. So, you can invest more. without losing precious dollars to fees. If your current brokerage is charging. you these, it's time to switch. And the. best part, when you sign up and make a. qualified deposit through my link, Moomoo's offering up to 15 free stocks. Yep, you heard that right. 15 free. stocks just for getting started. Plus, if you transfer your existing assets,

you can grab a 1.5% cash reward on your. standard transfer amount up to $300. Don't wait. If you're ready to level up. your investments, hit the link in the. description below or scan the QR code on. screen. Get those free stocks, snag your. cash reward, and start making moves with. Moomoo today. Because. there is no. it, right? Yeah. Right? But, where's the money. going to come to get it done? Listen, at. a certain point, you can go to the. emergency room and they'll pull your. teeth. They'll send you the bill, but.

they'll do it before they send you the. bill. So, I have to be put under for any. type of like procedure I do because I. get very volatile. Which will give you a. big bill afterwards, but again, they. will still do it in an emergency room. It Okay, I didn't I don't know anything. about. They will pull teeth in emergency rooms. But, then I'd be left with no teeth. Yes, but we could get like dentures or. something. It would be expensive, but we. can talk about options away. So, the plan is to pull all my teeth and. get implants. Yeah, now that's.

incredibly expensive. And they're. working on getting us on payment plans. and things like that. It's just a matter. of timing and getting enough to be able. to. Would you qualify? Um we My mom would. So, I have a year to get this done. My. main focus is my teeth for the next. year. Okay. While I still can. Because it And so, you asked me earlier. why I stay with him because at the end. of the day, because of my inability to. work and because my refusal to be on. disability, unless I get married, I. won't have insurance. So, it is because.

of that. It's not cuz you even I do care. about him and I do love him. Sure, care and love, but do you even. enjoy his presence? I I do enjoy his presence. Okay, I'm very confused on your. relationship cuz you were giving me very. different But, vibes before. does not He is not a. logical or safe long-term partner. He. does not have his together in any way, shape, or form. We need to bring this. guy in. Yeah, I know. Well, good luck. with that. Well, you can bring you He'll come into. the room, right? Whether or not he's. filmed. And then I can just give him a.

rundown. I I I never want to pressure. anyone to be on camera. So, I'll just. give him the rundown. If he doesn't want. to, he doesn't want to. That's fine. Because he's Went to Four Kings Bakery. That's great. That's great. $7. Basically all the money to our life. Cash app and out. Cash app and out. 7-Eleven, getting our energy drinks. Cash app. Even if we're buying energy. drinks from the grocery store, it's. still more like price efficient in bulk. from Sam's Club or something. Come on. Costco. Cash app and out. Cash app and. out. Steam games. Great. Steam games. Cash.

snaps. QT inside. We got some energy. drink. Cash app. Cash app. What? No, I just like I find it funny. how you assume that that's all that. That's not what it all is. What Or so, or Or it's more food. Or. it's more bull. It's just it It is bull but All right, QT inside. No, that wouldn't have even made sense. But, maybe a physical wrist. short max watch. Oh, that's a little uh. Stop. You don't have money. What is it? It's an app on your phone that you can.

watch like. Stop. You don't have money. When I was. bedridden and I couldn't do anything, that's what. YouTube's free. And there's literally endless content. I. Yeah, I do have YouTube Premium and I. recently learned that I could watch. that's that's why I don't have any more. of those on my thing from that point, but uh Perfect, dude. Yeah, I learned. that after that. Surprisingly not an. overdraft fee this year. No, never. I don't get overdraft fees. Yeah, but. you Well, it's cuz you're borrowing from. Cash App. So, that's how you make up the.

extras. No, I I don't get any overdraft. fees. No, I know. And that's because you. borrow from Cash App. That's. Like, my bank does not. do overdraft fees. Oh. That's what I'm trying to get you to. understand. Okay, so here's Cash App. More Blizzard, Great and Kong's Fear and. Hulu. Come on, guys. More Cash App out. Cash App out. Cash App out. Yes, you. need to cancel everything. You cannot. have one subscription. I'm keeping my YouTube. I I Honestly, My. YouTube is literally a quality of life.

thing for me. I It certainly is, but you. literally have no money. I You have no. money. Considering I If we were in a position. where we, you know, had at least a few. thousand coming in a month, Yeah. we could have the conversation, but you. literally have. no money. And I understand that, but I'm. not giving that one up. Like, I will. work on everything. I need Okay, well, we go to Vape City. We get our energy. drinks. Mama Marby's. Taco Shop. So, I. would do want to make I want to make a. point of. uh the Cash App card is used by both me.

and him when. You went inside. Got some. And gelato shop. Come on. Stop. Went inside. Got some energy drinks. Went inside. Got some energy drink. Cash. App out. Cash App out. What a. Just what a joke. Steam games. And what Why a lot of. people don't like the no income people. on the show and I agree with them on. this and. I know you applied a while ago and it's. kind of before we put that policy in. Uh it's just like. How do I make you budget after this?

Yeah. Steam game. Taco Shop. Steam game. Went inside. Guys, but then again, there. are a lot of people that don't have jobs. and they So, it it's not like. It's not 100% fair that we never feature. the situation cuz there are going to be. people that relate to you, especially. with medical issues and stuff. Went. inside. Got some energy drinks. Went. inside. Got some energy drinks. Uno drops. Uno drops. Uno drops from Capital One Bank. Two Uno. drops from Capital One Bank. 75 bucks. I don't know. it was payment. being sent. So, you're paying for. Snapchat and twice $1.07 Snapchat stuff.

That was to restore my Snapchat streak. with some Your Snapchat streak? This is. the most insane. I don't know what to do here, my dude. $1,000, you made no money, and even. though the stuff that mom gave you was. only like $500. So, like what the. Yeah, it's it's in bad shape, and I know. it is, but. Now, obviously, yes, mom's insurance. will cover some, but most dental. insurance is crap. So, what does that. even going to cover? Like, how much is.

going to have to be paid still? last time we talked about the implants, implants are going to cost in total. around $4,000, and I would need to put a. minimum payment of like $6,000 to be. able to do anything with my teeth. Um I. have a. How How are we going to What's the. payment plan? that I'm working on trying to sell. What? Um Huh? What are you talking about? Motorcycle I. don't know about a motorcycle. What. motorcycle? Uh because it's not like in. any way, shape, or form affecting my. credit or anything like that. It's.

completely owned. I like. What's it worth? It's like three It's. probably like $3,500. And I'm working on trying to sell that. right now. It's just I haven't had any. interested in buyers on it. I don't ride it. I don't drive it. I. don't you put any gas into it. I don't. even have insurance on it currently. Like I'm literally just trying to get. rid of it. So, how do I make you a budget? What. What What's I'm just trying to figure. out So, my thing is is the last the last. couple months because of my lung.

collapse and because of the health. issues that I had, that's why a lot of. my income dropped. On average, I do make. about $500. to be working at a place like. McDonald's? $500 is still nothing. I. can't make a budget off. alone. And then I plan on also on top of. How do you get this job with all this. health stuff? Dude, you have a stroke. when you step outside. When the sun. touches your skin, you get cancer. I. know, but it's that or disability, and I. don't want to be one of those people who. take advantage. I agree Well, first of all, hold on. Hold on. Taking advantage are people who. are taking advantage. If you are.

literally incapable of surviving because. your body is broken, that is not taking advantage. People who. are on employment cuz they get laid off. are not taking advantage of. unemployment. They paid taxes into that. program, and then they have that. But. someone who sits on it forever and never. applies for jobs and all these things, you know, they do just the bare minimum. required to stay on, that's taking. advantage. You're not necessarily taking. advantage if you walk outside and limbs. start you know, falling off, okay? that It's not that quite quite that.

eccentric yet. Well, okay, but you. close, but you know, You literally had seizures trying to. work. I was putting in 115-hour. Okay. Well, obviously, we're not doing. that. That's ridiculous. That's. ridiculous for a normal person that. doesn't have issues. out of the situation I was in, so. Well, and you put yourself in a worse. one. So, there is a certain thing. Um. And also, I mean, what's the difference. you're between taking advantage of the. government program versus taking. advantage of your mom right now? Someone who can't afford to patch a. thing on their roof. Yeah. It's not It's.

not intentionally trying to take. advantage of her, but I. Well, how do you not view it in a. similar way? I didn't say I don't view it in a. similar way. I said it's not. intentionally trying to take advantage. of her, but I can see how that is become. the situation. you can work at McDonald's for 40 hours. a week? You think you could do that? do 25 to 30 max. Okay. Now, here's the conversation when. it comes to disability, then. It's not. like disability is a luxurious lifestyle. by any means, and again, we're not. talking about taking advantage, but 25. to 30 hours at McDonald's or a place. like that, you're never going to be able.

to survive off of that. Yeah. Like it's a good way to start getting. ahead a little. Yes, it's the right way. to go in the right direction. You'll. You're You're Unless you can work 40. hours somewhere, you're never going to. have a career. I will never be able to work 40 hours. with my health, so And what about. sitting down customer service remotely. or even. what I was doing when I was having my. seizures and I lost my job. But you worked 100 million hours a week. What if you did 40 hours a week doing. that? near the end, I started to drop my. hours, but I was still having seizures.

What is Why Why have the seizures gone. away? seizures. Oh my. How have you not had one yet during this. conversation? These are stressful. It's. stressful, but I. What? Did you You should have told us. that before. Um It's not even a joke. that stressful for me, though. This is a. conversation for me, and this is a. learning experience for me. Okay. What about arguing with your. boyfriend, though? 2 hours on the way up. here. We didn't argue the whole time. you got out and I. I was looking out the window when you. got here cuz, you know, we're we're.

you're a little late, so I was just. waiting. And you you came in and you're like. And then he parked and he walked around. just going Yeah, he's a grumpy pants, yeah. We didn't argue the whole time, though. For the most part, I just kind of stay. quiet. I try very hard to hold my tongue. because I do not want to say something. I'm going to regret to him. Because I. have BPD, I do understand that I have. explosive reactions, so I'm just trying. to figure out what the I can do. Yeah, I know. Technically, we could let. all of this debt sit and never even.

touch it for 7 years. Could I mean, That's kind of been my plan. Technically, there are they. have legal abilities to go to courts if. they want to, and the courts can the. court can force some things upon you. Or face larger consequences. Typically, they won't, especially for smaller. balances like that, but that is. something that could happen. Yeah. Interest won't be applied to these. medical loans. Uh a lot of these smaller medical loans. will not be reflected on your credit. You won't see those $100 ones.

Yeah. The $4,000 one, though, I probably will. see. Um I kind of forgot the exact number. Um. But that's kind of where I've been at. since I was 18. Like, what if you. 2 years into this. You're 25. I'm. confused. Is your mom okay with just. bankrolling your life for the next six. year 5 years? Like, when you're 30? Like, what does that look like? And that's where I get kind of like. frustrated because it's just like she. she she is not comf- She She says she. says I know she's not comfortable with. it. You're like, no one wants to sit.

there and take care of their grandchild. But it's almost like anything that I do. to try and get out from that situation, it's like, no, you shouldn't do that. You know, you know your health is You. know, you're you're you're not going to. be able to handle this. Just let me. handle it. Blah blah blah blah blah. And. it's just like, well, I don't want to I. don't want you to have to handle it for. 5, 6, 4 years. I think the real answer. is is. you need to put a little more work into. finding a therapist and not uh push back.

a little. on the nose, and uh also don't give up. cuz the moment we can get you in that to. start working on at least at least fear. of medical things, you start working on. those phobias. Okay, we start working on. that. And then if we can start getting. that job that at least allows us to. start saving up some money on the side. for. Yeah. you know, just survival, maybe. even instead of the debt. I'm just. trying to figure out what even works. best for your situation. Honestly, I I I. I This is why I wanted to do this show. I don't want to say do disability, but.

it's just like honestly, at a certain. point, if you literally cannot survive, that might be a thing. Yeah. Um also, maybe we just might need. to get you to see some specialists and. take advantage of the health insurance. you're on for the next year. Even after. that, you're going to be on the. Affordable Care Plans, so you're going. to have. And And even when there's like, okay, they send you the bill, like, okay, you're just not going to pay it. Like, but we might need to get you to see some. specialists and things for this. Maybe. there's some medications you can take to. help with the seizures. There are,

typically. But, you know, have you seen. specialists? I've seen a neurologist. I. have seen cardiologists. Um so, with the neurologist, the thing. is is I have I So, they wanted to give. me. certain medications, but I tend to react. very poorly to medication. I like when I. was put on SSRIs, I got something called. serotonin syndrome. Immediately? Um it. was. a low dose? on a low dose, and it was within 2 days. of me starting the medication. Did they try starting on a lower dose. after that? And And I had the same.

reaction. And that's the second one was actually. when I had a. somebody who was drawing blood, and then. they were supposed to put an IV in. They. turned their back in between the blood. draw and the IV, and left the IV tip in. with nothing attached to it, and I was. just bleeding out. Did you say hello? Yeah, well, I didn't. realize cuz so, because my fear of. needles, I was just looking up at the. person I was with. His face drops and. pales, and he's terrified. I look down, I see my blood just pooling around me,

and I'm just like, hey, That happens. It sucks. I'm sorry. And she looks at me, and she's like, yeah, that's what's supposed to happen. I'm like, that's not what's supposed to happen. She goes to get everything done, gets. her glove stuck in the IV line, rips her. glove out of it, and. almost pulls it out. Sounds like a nurse. Yeah, it was a bad. situation. And I've been severely traumatized by. that. Like, to the point to where I like. Yeah, yeah. Needles are not a thing that. go near me. No, I get it. Me, too. I. mean, but. There is a certain point, like.

All right? There's. Your mouth hurts right now, right? If. it's life or death, I will get needles, right? When my When my lung collapsed, I let them put It can go to your brain, and you can die like that. Did you know that? Did you know you can die without. warning? are connected directly to your. bloodstream, so unfortunately, it does. like when sepsis and things like that. occur, it is a problem. Yes. But. I haven't had any like yet.

problems with that yet, so. But your mouth hurts right now. Uh it's. not too too painful right now. I mean, it's like a dull ache right now. It's When you live with chronic pain, you it's hard to like. don't have to. Debatable. You don't have to. You can go. get them pulled today. Yeah, and then be. gum-lit and gummy. You It be gummy no. matter what until you get the implants. anyway. So at least right now I can eat some. certain like more Wouldn't you rather be. pain-free free and go. for a little bit? No, because I would not be able to eat.

nearly as much as I can eat right now. And I can't handle that with my weight. Okay okay guys listen okay what what can. I do? There's no solution to anything. everything's impossible. it's not there's no solution. I want to. figure out what the solution is. Cuz there's obviously nothing I can do. here. You need to go see a mental health. specialist. You need to go see a medical. specialist and you need a. work 35 hours a week somewhere by fixing. your resume. Maybe take advantage of the. course career certification that we give. you. But other than that I mean those.

are obviously things you have to do and. then you probably just need to save up a. big stack of money and that's your only. chance of survival. I mean that's it. Yes. For you those are that's what I would. do. That's what I would do leaving here. So. I mean. financial. who even knows. Amber financial score is. zero out of 10 obviously. Let's get your. boyfriend in here. Go get him and let's see how cranky that. little is. Trust me I can. anyone verbally. All right bye.

All right. See you guys in the post show. Make sure. to check out the debt and the new debt. class it's 35% off for only a limited. time left. And the first. few people that sign up get access to a. live stream with me where I go over the. my debt payoff journey in detail and. answer your questions live. See you in. the post show. So we wanted to bring you. in because she was talking. He knows. She calls you a deadbeat. Are you a. deadbeat? If you're not going to answer. I will. She doesn't think that I can be a more.

provider. Hard conversations. Should I. tell you something? She said she doesn't. see you as a long-term partner in. marriage worthy. Why do I think that? You're not going to. harm me are you? To watch the financial. audit post show click the join button. below. All right guys I get it. You need more. financial audit. So. we've decided now in our membership. below you get two exclusive see nowhere. else uncensored financial audits. Again 384 came in from your job. How.

much do you think you spent? How much did I make? 384. You don't. think you overspent? Oh I probably I guess I did yeah. Seven. maybe I don't know. Also three post shows a week for every. financial audit you're seeing right here. on YouTube. In the post show we have an. extra 20 minutes for every single. episode where we go into more drama. We can't find you on Facebook. Did you. block me on Facebook? No. way. You can join Hammer Pro where you. get every financial audit post show for. every episode. Priority replies to. comments, custom loyalty badges, and.

special channel emojis for the comment. section. And then there's Hammer Elite. if you're wanting more. And that comes. with everything from Hammer Pro, extra. behind the scenes content, a member. stream every single Tuesday with myself. and the crew. Wonderful human guys. She's just not getting. Wonderful wonderful human. I do love her. She is a wonderful. person. I like like her. I thought she She's a. great person. Here's the thing. Great. person. We know she's A GOOD PERSON. LIKE WONDERFUL WONDERFUL HUMAN. But.

she's just so into me and she always. wants to hang out. Random but frequent private streams with. me throughout every week. Monthly member. raffles for exclusive merch and two. exclusive uncensored ad-free financial. audits every month. And then for those. who only go top level there's Hammer VIP. which comes with everything from Hammer. Elite and Hammer Pro plus a thank you in. the pinned comment of every public. financial audit episode. Be an exclusive. beta tester on our newest products we're.

working on. And a custom thank you. letter from me personally mailed to you. after a year. Members help us maintain stability. during the ups and downs of ad rates. And this helps us invest in making the. main show even better with every passing. month. Join the membership guys even. Dave's a part of it.