Failed OF Model In Debt For Taylor Swift | Financial Audit

Well, I'm being told to do OF2. What's. this? Did you print off for free views? >> are just like that's like a menu. Why do. you have a printed off menu? I just. think that we should, you know, celebrate our sexuality and I think. it'll be more normalized. >> Believe it or not, guys have that as. well. They don't just. themselves. Women are the only gender in the entire. of the world that can't figure out how. to make extra money other than. prostitute. Quick silver one, what's happening? Got. pre-sale tickets to the Eras Tour. For. the. Eras Tour!

The. Eras Tour! Something big is coming. Something. that's going to change personal finance. forever. And the first 500 members get to lead. the charge. Go to dollarwise.com to. change the future. Hi, I'm Parker. I'm 29 years old. I'm. from Springfield, Illinois and this is. financial audit. It sure. sounded like a question. It might be.

Are you I I was ready to jump into it, but you seem to confuse. This is. financial audit. It is. That's good. I. didn't know. I don't know. >> where you are. You didn't come down to Austin and land. up in Kill Tony or Rogan. You're you are. on financial audit. Could be a dream. I. don't know. Okay, it's not. So, It might. be. >> welcome. Thank you. >> down from Illinois. Fellow Midwesterner, I escaped to the better place. You. didn't yet. That's okay. Maybe you will. someday. Oh girl, she literally just walked. outside and it's nice outside and she. was like, "It's so good. It's so I. thought it's beautiful. Yeah. I'm Okay.

So, no, no, no, no, no. Don't. You might. when you get home after being here in. the better place, but that's okay. >> Maybe. I heard it's snowing and like. 10°. What do you do up there for a living? I. work in public health. Okay. What even is that? There is so much. public health work to be done. What do. you actually do for a living? Um think. of the person that you like don't like. the most, like a health inspector. >> Okay, you're Okay, is it a health. inspector? Is that possibly what you do? >> part of it. >> Part of it? >> Most of it. That's what we're known as. What's the other part of a health.

inspector? Well, we're called like. sanitarians really, but no one really. knows what that is. >> you go walk around and clean things? No. >> Well, then where's the sanitarian? >> We audit it. >> Okay, you're a health inspector. Partly. I mean, yeah. >> health. What's the other part? >> do you mean what's the other part? I. mean, we like do birds, about anything. environmental wise. Do you know what environmental health. is? I don't know. I just got a confusing. note that I guess I guess you you wanted. to do the intro in a certain way and. maybe I didn't help you do that. You. wanted to tell the whole world that you. were bi for some reason. Like I give a.

I would never. Okay, why do they care? Why do I care? Why was that going to be in the intro? I. don't give a [ __ ]. Oh, I heard that you were like. questioning, you know, your sexuality a. little. >> is Why is everyone saying that? Colton. and Lindsay keep saying this. No, these. are. No. Also, what does it matter if I was? Who gives a Who says that? >> I agree. Everyone says that. >> no. Like I don't understand. Like the. last three guests, I swear Lindsay or. Colton is [ __ ] with me, are just. doing this cuz they.

Okay, no. In late high school, early college, literally over a decade ago now, I. thought I might be because of a very. early introduction to as my best guess. Mhm. But no, I'm not. And even if I was, who gives a [ __ ] And why are you out. here bragging? Bragging about what? I Colton said you. wanted to say that in your intro, so I. thought we were going to have to redo. the intro. No, we don't have to redo the. intro. Okay, then what the [ __ ] can we. do? Okay, so you you work in public.

health. You are a health inspector, kind of, part-time. Great. What do you make doing. that? You're the annoying person. Actually, no. Okay, health inspector, I'm glad you're at least doing it and. making sure we're not getting like. poisoned. Um I make. 14.25. Like Like a Sorry, each paycheck. Sorry, I get two paychecks a month. Okay, even still well, Springfield. that's not a suburb of Chicago, is it? >> No. Okay, so that can stretch a little. farther. Like, Midwest is pretty cheap. to live in. Yeah, it's not cheap.

>> $3,000 a month net. Uh how you doing in. Springfield on that? Bisexual Parker. Thank you. Um it should. >> necessary to information to know. Probably better. But. >> better? No, no, no, no. I I I should be. better than I. >> Okay. Oh, should be. >> I should be. Yeah. Yeah. >> Did I leave it out? >> I'm better. I don't know. >> Or, better. You just said better. That's. all. The word better was everything.

>> Sometimes my like brain has thoughts and. then like I don't have time to catch up. with them, you know? >> No, so far I'm thinking they don't have. thoughts. >> I don't have thoughts? >> That's like you think that you're bi and. that's your entire identity. That's all. I'm picking up on so far. Bi. Which I appreciate. >> It's not. I'm But I'm yeah, I don't. know. I'm just surviving on that, yeah. I mean, I also get another stream. Well, I have like child support, too, that. comes in. And then I get reimbursed. >> I have one. Oh, congratulations, kind. of. I mean, it sounds like he's not in.

the picture anymore, but Who? Well, you're getting child support, probably the breeder. The breeder. Um no, he he sees her. >> He sees her. You're the breeded. Okay, I. was breeded. Yes. Yeah, so I'm the. breeded. He's the The breeded. Yeah, the. breeder would be the man. >> his [ __ ] up your vagina. That could be a. lot of I'm. Really? Do you. She's a [ __ ] We love [ __ ] too. That's not even a bad thing. She's bi, that's great. Don't really care. [ __ ]. that's great. I don't care. We need. [ __ ] If if Brandon and I and Mark and.

even Colton to the men want to be. [ __ ] we need other people to be. [ __ ] in order to be [ __ ]. >> Everyone should do what they want. >> So, well done. Well, sure, that's kind. of the point I was making. I was just. saying [ __ ] enable it. That's all. >> way to get there. I was just helping. Except not really. I don't think Okay, I. don't think you follow paths very well, but listen, great. So, what do you get. for the child support? Um 597 a month. >> Something very much. What was why what. happened with this guy? Uh we were. dating for a couple of years, broke up, and.

>> when when? 2018 to 2020. Okay, so you. got the COVID scaries. Yeah, broke up in. 2020, realized just wasn't for us. Um. >> Why? We were better roommates than. uh like in a relationship. >> you guys were locked inside cuz of. COVID, and you're like, "Oh, I hate this. piece of shit.". Y- yeah. It kind of made me realize I don't like. him. a- like in that way. >> impregnate you? I wouldn't say I let. him. >> Was it non-consensual? No, I mean, we uh. it was consensual sex, but like no one.

expected to get pregnant. >> you? Were you having raw sex? >> I was like 99.9% effective. >> And but you were having raw sex, no. condom, come inside of vagina. That's. the only Okay, well, then it happens. This can't It's just like But like I. understand. You had birth control. Yeah, the shot, so it wasn't the little. implant. >> No. Implant's the best. You got to get. the implant or IUD. I don't know that. IUD [ __ ] us or hurts, and they don't. really do a lot of uh pain prevention on. that, but it doesn't matter. Those are. still like the ones that [ __ ] work. I. got my tubes out now, so can't have.

more. Okay, is it full-time with you? Yes. And. what is it? What is it? A girl. Good. Girl of what old? Five. Of what old? Okay, five-year-old girl. That's good. Oh, it's a beautiful girl. We love that. Beautiful child. Do you have full. custody? Yeah. I would say I'm. >> Which is why you're getting the 597. What does he do for work for such a. little child's custody, I'll be honest. Uh he works at a. distributor, like a I think like a. liquor or beer distributor. >> can't answer job questions of what.

people do, including yourself. We. haven't been together for like five. years, six years almost. >> you not keep in touch? You have a child. together. We do. We see each other um you know, during. drop-offs, and we'll do like a family. day. >> you mean drop-offs? I thought. >> When I like. >> You have full custody. I do. Well, he. sees her like once a month. >> For drop-offs? >> Yeah, so we meet halfway. >> He lives 5 hours away. He still lives in. Wisconsin. Yeah. >> Why? Uh that's where I was living at the. time. >> No, I didn't want a real answer. This is. like, why Wisconsin?

Okay. Okay. Okay, good. Baby. Baby. Well, I'm being told you do OF too. I. did for a while. A little bit. I. shouldn't say a while. I got bored of. it. >> How many people were sub- I'm not I'm. sorry. Um I'm not being rude except for. when I am. >> Mhm. How many people were subscribing to. this? Or are subscribing to this? Well, I did it for like a month. And there was. like Oh. When? In August.

>> Oh, so this did just happen. Okay, so it. is valid to bring up. Okay, good. Just wanted to make sure. Okay. And what. happened? What did you even post? Content. Woman. What did you post? What kind of. content? What OF content? >> Yes, what? Oh, so you can ask me to go. deeper, but I can't. Okay. >> You guys can go deeper, but I ask a. question. I'm asking you a question. If. you want me to ask answer a question, ask it. Okay. Nudes. Okay.

>> And stuff like that. >> So. you're not pulling them up, are you? >> No. Oh god, no. What's this? >> God. Did you print off reviews? >> No, these are just like that's like a. menu. You know, a lot of people are kind of. like you. >> menu. Why do you have a printed off menu? I've. never seen this in my life. >> never seen a menu? Printed off from an. OF failure. I'm going to say failure. Well, I would have said creator, but you. did it for 1 month and didn't make any. money cuz who's paying for that? And. then you stopped.

>> money. What did you make then? >> Within that month, like like 900. It's. one of your child support. Kind of crazy. Okay. So, let's see. Voice notes, five for sweet, dirty, spicy, or whatever. AI does that now. Uh. bundles content. $35 for 10 nudes and. already taken videos. So, videos of. what? Whatever they want. >> Sex videos? I I don't know if we need to. get into like what the videos were. Yes, we do. You were getting railed and you. would send those videos? >> No. Oh, my I have never done a video. with anybody else. >> a shame cuz that's the only thing I.

would ever pay for. Who pays for solo. content? That's so boring. What the. Like, if I am going to pay for something. which I. don't. Yeah, they must be cuz that that. is pathetic cuz just go for somebody. getting railed. So. >> But like, then you don't have the. personal connection. >> need a personal connection. I want to. see someone getting railed. Some people. do need the personal connection. Okay. Well, like you said, losers. So, that's. $35 plus already taken videos. So, is. this you jacking off?

I'm going to choose not to answer that. >> Girl, you literally printed off a menu. and you're not answering what you did. But you're the printer of the menu. Like, what the [ __ ] You're ashamed of. what you did, then why'd you do it? You literally printed off a menu and you. can't talk about it. Well, don't get a house if you can't afford. it. You also have a job. >> You also have a [ __ ] job. Whose house is it? >> my mom's. Well, tell her don't. What?

>> Tell her to move and sell it. >> live there. Who does? >> Me. My mom owns it. You have a job. I know that I have a job. >> You can do that. Don't pull the oh, I. was a victim of the world and needed. money. You believe it or not, guys have that as. well. They don't just prostitute. themselves. How do they do it? How do they figure. out. Women are the only gender in the entire. of the world that can't figure out how. to make extra money other than prostit-. I have no time to make extra money. I. don't don't have the. >> You said [ __ ] to that? Yeah, there's.

single moms all over the place. And it. [ __ ] sucks. I get it. >> have anything happy about that. I get. child support. I know, but there are. single moms without child Dude, you. think you're one of literally 300. million people in this country? No, you're not. It's no one's that unique. I'm sorry. $25 Polaroid and handwritten note. handwritten, okay. $30 for a custom. video. So, literally they could ask for. anything? I mean, I would say no if I. wasn't comfortable with it. >> your foot? >> That would be something I'd probably say. no to. Really? Yeah. You said a limited.

urination? That's like nothing. Who. cares? I'd piss on your foot for 50 bucks. I'm. not into bodily fluids. >> I see. $50 for personalized photo. Other. options, 16 session $20. And you let people FaceTime for 45. bucks. How long? 30 minutes? 30 minutes. for 45? You don't value your time very. well. These prices are all over the. place. They are, yeah. Again, I didn't do it that long. I just. got bored. >> money bucks, which is honestly kind of a.

disgusting part of our society that. Mhm. people paid that much for nothing. Um. For nothing. Yeah, you didn't There was. no sex videos. I I really don't. understand the point. Comment, are you with me on this? Are. you chat Are you with me? Like, am I the. only one here? It's like, if people. aren't having sex with like, what are we. doing? Like, I'm You're kind of They. really talk to you about like their. problems, like what their issues are. Like, one They need to seek therapy. I mean, I don't disagree. But you. enabled it.

Of course. So, if I can like these. random I started like these like because. these random men would add me on. Snapchat. >> were making money and this was your only. way cuz I'm a Cuz I got bored. Okay, what is I got bored? I just I didn't. want to stay up late anymore and do it. I agree. So, just price is so high. It's. what I do with my Cameo. I I hate doing. that [ __ ] so I just made it stupid. expensive. And then yet, some people. still purchase it. [ __ ]. Thank you. But like, I made it so that one would. buy it. I would do that so you can at least.

bring in money, like crazy money. Like, make it like a thousand bucks for. something custom. That's true. Oh, this. shouldn't be in here. Okay, so you. stopped. >> it. >> You stopped? So, did Did you take it. down? Uh, not yet. >> A mother do no F. How do you feel about. that? Great. Really? >> Obviously, no. I mean, I didn't think. I'd be here at, you know, 29 struggling. But. >> you struggling? I don't know. I feel. Come on. I'm just saying. I just I just. like to have a good time and just make.

sure that we're Uh, yeah. I mean, BS is. in the minimum hundreds, which by the. way, for a $3,000 a month income is not. very good. But, not only that, we had. unknown spending of 500 bucks. Unknown. spending is confusing. We don't really. know. It could It's It's We could We We. don't know what it is. It could be. Amazon. It could be Walmart. Necessities, not necessities. But, then. other large purchases alone were almost. 1,800 bucks. 1,800 [ __ ] dollars. We'll go over there individually. We'll. go over those purchases individually. pretty soon.

Oh, cuz random guys would hit you up on. Snapchat asking for nudes, demanding for. nudes. Is that what you set up a no. what? >> Yeah, like random people would add me on. Snapchat. >> How do they even find you? A public. profile. Oh, why? >> gym content um back then. So, I don't do that anymore. But, they would. add me on Snapchat. Like, I saw like. hundreds of friend requests. Um, and then they would always want like. nudes or to do that. So, then one day I. was just like, maybe I could make money. cuz I didn't want to do it. I'm I'm just. I'm just saying. You can be a [ __ ] in.

real life and we already know you are. and we I celebrate that for you. You said it, not me. Your daughter's going to be in school at. some point. It's so easy to find. pictures and it's just going to be so. embarrassing. Now, we're finally having. the first generation of OF creators. Their kids are entering school and. there's so many embarrassing stories. online. And this is out there forever. People. own these pictures now. I just think. >> Oh, please. that we should, you know, celebrate our. sexuality and I think it'll be more. normalized. I'm okay with normalizing.

sexuality, but your nudes are out there. forever. And your daughter knows that. you somehow find or not. And oh my. goodness, if I sent a large amount over. the years. Just it was a long time ago now, so I. think I just got lucky on that. Hold on, let me check. Caleb Hammer nude. Okay, there's a shirtless picture, pictures I've posted on my own. Instagram. Um, a couple of our. people on our show with like big boobs,

but those aren't me. A big hairy man, that's just definitely. not me. Um. That's a shame. Yeah, that's a shame. I'm disappointed. I do have an LPSG. that I don't have an account, so I can't. do it again. You need age verification. in Texas. So, um, well, what's what So, you're you're just. okay if your daughter gets made fun of. because mother has literal like her.

jerking off vagina online? And What happened? That was very. Okay. I didn't like that. Okay. >> going to see that and your daughter is. going to be embarrassed and you're okay. with this. I just I don't know. I don't. think she I don't think they'll see it. Well, but again, we have the first. generation finally entering school and. they see it. And not only that, but you actually. considered meeting up with a guy from.

OF. Colton's telling me that's. dangerous. You have a daughter who. solely relies on you. She She even had a. guy ask her to meet up with her and you. considered it. Oh, yeah. >> dangerous. That's dangerous. You have a. daughter who solely relies on you and. this no way that this guy would be able. to take care of her. Why didn't this guy try to get split. custody? Just the distance thing? That's. it? He did. Huh? He tried. And? Why didn't he get it?

We live 5 hours apart. So, it was the. distance thing. So, the question that I. asked, the answer would have been yes. Mhm. So, something else? No. Okay, you're doing the classic woman. thing where you're just kind of avoiding. answering a question and you're just. giving a short answer. Correct. Because they don't want to talk about. it. Yeah. No, it's just Yeah, it was it was the. distance. I I'm sure if we live closer, it would be fine. Okay. Why are you living in Springfield.

instead of back home where the kid can. have a father in her life? Cuz. Springfield isn't giving you great. opportunity. You make 30,000 bucks a. year. So, I was moving. I had already. moved. We'd broken up. Our lease was up. >> No, I get it, but you're just like it's. not like you're taking advantage of. Springdale in any kind of economical. way. It's just hard to advance. Public. health is It's hard to make. >> a different industry. Take a. >> My whole degree is public health. >> Take a certification to course careers. that I'll get you for free. A lot of. people use that in the audience to. switch. Okay, I like a child having a father in. her life, and it sounds like you're the.

one that's kind of the the reason that. the He could have moved closer. Well, it. sounds like Where are you guys from in. Wisconsin? Madison. Okay, there's. definitely more opportunities in. Madison. >> But at the Okay, but pay scale for. again, my degree, I have a bachelor of. science in public health. >> that you're making and you're not. switching fields and you're still early. in a career where you can. >> need a Monday through Friday job. >> Yes, am I saying get a get a Saturday. through Wednesday job? Like what? Did I. say that? I don't remember presenting. that as an option. It's just hard to. find a place that pays well Monday.

through Friday during the day. I'm sure. people. Yeah, I would say almost everyone with a. career. >> expensive. With UW, with Epic, it's very. expensive to live there. >> is translated in the cost of living is. translated with the the pay scale as. well. >> But they the minimum wage in Wisconsin. is still 7.25. >> shouldn't matter. You're not making the. minimum wage. 1% of the entire United. States population makes the federal. minimum wage. That has no impact on you. and your job. To move, housing would be. more expensive. It would have been. anything. >> Yeah, cuz I didn't want to live there.

anymore. So, I was moving to St. Louis. >> Not want to live there anymore? Take kid. away from their father? Just cuz you. didn't want to live there? >> pregnant. And then by that time I'm. sorry, I missed that part. I missed. >> I didn't know I was pregnant when I. moved. Or else I would not have moved. Okay, and when did you consider meeting this. guy in snap? Oh, uh, back in the fall, I'm sure. >> not to? WHAT HAPPENED? FALL? BACK IN THE. FALL. WHAT? THAT WAS A COUPLE MONTHS. AGO. And why didn't you? Please, why. didn't you? Well, I mean, it was a. probably shouldn't meet up with a random.

person. Not safe. Not safe. >> make sure that it was a good reason and. that is a good reason. >> a lot of money. >> of money? Well, it was just like 500. That's a lot of money to me. >> ruining. you being alive. Oh, and you're considering leaving. Springfield. Yes, I was planning on moving. >> Maybe, yeah. I just I can't right now. >> support there. I have her her family. There we go. That is family, [ __ ].

Close. Not perfect. Almost there. That's kind of [ __ ] 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 API interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Chime. GET THAT $350 RIGHT NOW in. your checking account. >> They're not. like a pa- I don't know. They're not my.

parents. Like my mom. >> grandparents of the kid that probably. love her, right? Yes, and my mom Well, the thing is my mother used to live with. me, right? Cuz it's her house. And then. she moved back to Chicago to take care. of her parents. Then go to Chicago. I. can't afford to. Oh my goodness. First. of all, Chicago's like the cheapest. major city in the entire country. First. of all, let me just say that. Second, again, you're right. You can't on the. Springfield income. Typically, that fall. In a place like Chicago This isn't New. York, where you're right. That is hard. You need a massive massive income.

adjustment to go there. Chicago's one of. the cheapest No, it is the cheapest. major city in the United States. Major. city. I mean, Detroit, but were we. considering that a major city? No, like. a major powerhouse city. It's third. population, about to be fourth, passed. by the Dallas metro, but either way. I. don't know. My minimums, they're just. they're too high. Like my de- my debt. >> Then take care of that, [ __ ] What. the [ __ ] are you doing? Why are you. spending literal potential thousand. thousand five hundred on [ __ ] if. your entire You want to leave. Springfield, I'm being told. Yes, I.

would like to. >> are, in your brain, because you're. considering in wanting to leave? Um. possibly, Chicago is on the list. Of. which I just said, and you said, "Yeah, no." I said it's expensive now. Once. this is paid off, hopefully one day, in. years, um it would have You're spending. thousands on [ __ ] and you're getting. subsidized by your mom. [ __ ] off. Go on. What other options? I've. >> Which will, by the way, be a couple. hours closer to the other side of the. family. >> Yeah. Which is good. That is good. We like.

that. We do. We're out. Um. considered St. Louis. No. There is like almost no bigger. declining city in the entire country. Go. to a place with a You're literally. complaining about your job and income. and you're going to You're considering. places with worsening and worsening. economic opportunities. At least. Chicago, it's a mess, but it's decent. St. Louis has a lot of. perks. >> A lot of people leaving, yes. Same with. Chicago, but St. Louis, no. What are the. perks in St. Louis? The arch? Cheaper.

housing. Dude, you know the income. follows with that. I don't understand. Yeah, go live in the literal middle of. Alabama. It's the cheapest housing. you'll ever find. You'll make minimum. wage. That the 1% that actually makes. federal minimum wage, that's where. Yeah, I don't know. >> understand why? >> that. I just The cost of living is. higher in some places? Yes. I guess I've. just always looked more in like my field. for like jobs and stuff. >> you already make basically not great. income, to be very clear. Um at your age.

is fine, but if you're making this same. level of income inflation adjusted by. the time you're in mid-40s, it's going. to be horrendous. And I feel like with. where the scale is going on what you do, it's going to be around there. If I stay. like at that one place? Like where I'm working now? In health. inspection. Yeah, we like last year we. only got 2% raise, so. it was rough. Why don't you switch. industries and get some education? Like. again, we're getting you free. certification. Why not? Yes, you might. have to start low totem pole.

I just never. >> probably be the same income you're. making now, and at least you can work. your way up to something with a more. career opportunities. You have no plan, do you? No. >> latching yourself to this thing you're. riding into death. >> surviving, you know? >> You're being subsidized by your mom. You're spending thousands on [ __ ]. Like what the [ __ ] do you survive? What. are you talking about? Where's survival? I don't see survival. You're being an. actual child even though you have one of. your own. It doesn't make any sense. being subsidized with mom. I don't know. I don't think it's like that as bad as.

>> your mother? We do love her. That's a fact. She's a. great woman. Okay, but she might be. enabling her daughter of actually. getting her [ __ ] together and taking. care of her life for the very first. time. How much debt do you have? I think. around 40,000. Okay, it's. rounded up about 50. How do you not know? How do you not. know? You said you're trying to take. care of this. How are you supposed to be. a responsible adult or are you just. throwing it all away? I thought it was. 40. Wrong again, idiot.

Okay, well, it's I must be missing. something. It's technically in the 40s, but it's basically 50. Mhm. Why you so off? I don't know. >> like off by 20%? 10%? Something like. that? Yeah, that was pretty off. YEAH, WHY? WHY DO NOT Why do you not know your. financial situation at all? Well, I. Because you have a dependent. You're not. like a single person with nothing and no. responsibilities, nothing, just [ __ ]. around having some fun. Doesn't matter. how much. You literally have a. 5-year-old. You don't get to [ __ ].

around. It is your responsibility. You. do not have that choice anymore. >> I mean, I tried to budget. >> I haven't heard I haven't seen try. Where's the try? You tried to budget? Cool. Tell me how. much went out last month. Please. Trying to budget. Please. Tell me. No, you don't get to see. 4th. 4,000. I can't. I'm not wearing my. glasses. $3,823 for this expense. Why. the [ __ ] would that even be an option. trying to budget? Where's the trying to. budget? How is you trying to budget? That's more than you make by far. So, where the [ __ ] is that going trying to. budget? I haven't seen trying to budget.

in here whatsoever. Doesn't matter if you don't use it. And did you see? Did you see? Do you see? DO YOU SEE? YES, YES, I SEE. YOU CHECK A. LOT, yet you spend more than you make. How do make that make sense? Put that in your budget real quick and. make that math make sense to me. Why do. you spend more than you make? I feel. like that was like the first step, you. know, like Sure, first step was like. your first step months ago. Why haven't you moved on to step two, three, four, five, six? Why are you on. first step at the point of step 10? I'm.

just not good at it. It's something I'm. not good at. Good, it's automated. What. the [ __ ] wrong with you? No, like. sticking to the budget like Why? Hold. yourself accountable. What are you not. doing? You have a child. You need to be. accountable. You need to be held. accountable. You need to force yourself. to be accountable. You have a dependent. In what kind of world do you think it is. okay, excusable, potentially even cute. to not. pay attention to your budget and hold. yourself accountable. Why? What's wrong. with you? I just feel. I don't know. You know what? What do you. feel? What's feeling other than being a.

[ __ ] online? Like sometimes we have to. like have fun. I don't. >> Have fun? You have to have fun? You have. to have fun more than make sure your. child is set up for success? Make that. make sense. Why are you trying to have. fun? Why is that important? So she can. have a good childhood. >> Good childhood? You're throwing away. your child's future. Good luck ever. finding anything for her ever, especially if this house goes away for. whatever reason, who knows why. Maybe like not paying property taxes. I paid them. Okay, for now. Started. >> This year or last year. Yeah, you posted. a little roast beef online in order to.

get it. So At least it worked. It worked. so far now. At least for half of it. >> People start off strong and it goes. down. 99% of people. It's 1% that make. it. So what are you talking about? Why. is fun more important than actually. establishing a good future for your. child, being able to pay for her things. when she's in middle school, high. school, those extracurricular. activities, maybe even a study abroad, going to college, being able to pay for. her college. I guess I just. >> car. think it'll. all kind of work out. >> does that work? Tell me. How does it all. work? Why do you think that? What's.

suggested in here is leading you to. thinking it's all going to work out. Right now I'm seeing it's all worked out. to you being $50,000 in debt, relying on your mother, and literally. posting your hairy titties online to be. seen. >> say hairy. >> off I'm going on the phone where your. hairy titties are. I don't have a plan. together yet. >> Plan? I'll get a plan. What's your What. are you talking about I'll get a plan? To let me. >> you mean? Why don't YOU HAVE A PLAN IF. you're going to get a plan? Why is it. always get a plan not got a plan? I just. don't have one yet. >> Why? >> one.

>> Why? You started months ago. Where's. your plan? It's in the works. No. Okay, where is it in Where is it in the works. then? What's been worked in the works? Mhm. >> I want to see what's been worked out if. it's in the works. Yep. So [ __ ] you, there's no plan. What. are you talking about? You're just going. to prostitute yourself again. You almost got railed for 500 bucks. You almost. >> That's wild. >> Come on. That 100%. >> I didn't go. Yes, you were considering. meeting up with a guy who was definitely. going to [ __ ] you in one of your holes. for $500. Are you kidding me? Prostitute.

That's what this has led you to. And hairy titties online, being enabled. by mother, and no career tracked. Sure, I'm okay with it. Yeah, if two. consenting adults decide to do that, but. that's what it's leading you to and it's. not legal, so. $500 by the way, not a great price. At. least charge a thousand. I don't know if. you're worth that. I'd say no, but. either way, you can at least try. So that's where it's led you to. Plan? That's been your plan. And you have nothing worked on in a. plan. Why are you considering a plan if. you're not even actually looking to make. a plan? There's no plan. You haven't sat.

down to even look at what might be a. plan. You can't even look at your. budgeting app. Not as good as Dollar. Wise by the way, but I get it. You have no accountability. You. literally flew in last night and went on. the town with your sister and spent a. [ __ ] ton of money. That's great. That's That's a wonderful. selfish mother going out on the town. when she can't afford it not even to. save her life with $50,000 in debt, nothing to show for it. Literally $500 to go take some dick. Come on. What a sick excuse. Sad. Pathetic. What are you doing?

I don't know what you're talking about. >> attempted nothing to do this. >> Attempted nothing? >> Yes, you downloaded an app. Well done. We're all proud, but you've attempted. nothing. It's always go get a plan. It's. always I will budget. Why have you never. sat down and actually tried ANYTHING IN. YOUR DAMN LIFE OTHER THAN IT'S ALL IN. the future forever? You have a child. That's where it upsets me. If again, if. you had nothing, no dependents, no. nothing, we can have a fun little. conversation, but [ __ ] you. You got a. 5-year-old who's about to enter the. public school system. [ __ ] you. We're.

all going to be subsidizing you for the. rest of our life. [ __ ] you. Why aren't. you doing anything, [ __ ] Who's. subsidizing me? Just Oh, we will. Why. would you? >> Child tax credit, no way you pay net. more in taxes. [ __ ] you. We're. subsidizing you. Absolutely. I don't. want to hear it. You get more than you. give. You're a taker, not a giver. There's no. chance. >> true. >> Absolutely that is true. 30,000 hours a. year, good luck. You don't give. You. don't give. You're not a giver. And. you're never trying to do anything in. your life to move forward in life and. actually contribute to this world in a. productive way.

>> I don't have student loans. And how'd. that happen? Um Yeah, you've never done anything. yourself. >> workplace. Huh? I My workplace paid off. my student loans. Oh, okay. How much. student loans were there? So, you did. take student loans, for what it's worth. Yes. Um 28,000. I don't even know what this note means. Colton said, "Well, she does have a. boyfriend, kind of. He's 25, although. she admits she usually only dates. 22-year-olds." And like what I usually.

don't like things that are serious. I. don't So, I date younger cuz people my. age like serious. relationships. >> literally just looking for hookups. Well, not anymore. >> That's okay if you are. >> anymore. I met this guy, I like him. We. You're dating? Yes. It's happening. >> Yeah. Where are you in this. relationship? Very new. He knows about. my debt, though. Oh, [ __ ]. >> I've already told him because I want to. be very clear. Oh, they met You met him. through Snapchat. So, you're only. meeting guys through Snapchat. It's He.

literally. >> Snapchat and you He literally. We went on a date. We went on a date. >> at the end? I mean I would have too, but I'm going. to shame you for it and not. >> We had talked for like weeks before. that. weeks. A random Snapchat add is just crazy. I've never heard that. If you have a. public profile, random people can add. you. >> [ __ ] I don't meet up with them. Normally I don't either, but. >> you did. Yeah, well he was different.

>> people they're not people with like. profiles like on Instagram or something. I would accept. I've done that. That's the same thing. >> is not. There are profiles on Instagram. You see their friends, you see their. followers, you see their everything, you. see their life. >> Yeah, and we added each other on social. media before that. We literally talked. on the phone. We were talking for weeks. It's not that weird. >> the grinder of the streets. Might be from the way you've used it. You used it to take some raw semen. It.

could be. >> Did he finish inside of you? That's a. good what? >> finish inside of you? Which night? Um. When you first met, that night. I know it seems like a deeply. inappropriate question is because it is, but I am also making a point here. Did. he? The fact that you're not saying no. means yes. He did. That's crazy. So a snap a random. Well first of all. >> I will tell you why it's crazy. Huh? A. lot of people have like a you know. [ __ ] thing. a breeding kink is that what it's.

called? I'm glad we're learning about your. kinks. No no no, I'm just saying the. example. Listen, you were dating a guy, he did that, that resulted in a child. I got my tubes removed. Oh okay, there. we go. Okay, so that that okay, that. removes half the concern. The second. half of the concern is I know you did. the little test result thing, but people. are liars even though it's against the. law, people are still liars. >> No you have them pull them up on their. like phone. I know but something can happen before. then. By the time before or. >> Within like 24 hours? So he got tested.

24 hours before. What about fact that. HIV can be untestable for 3 months? Even though still contagious. Ages ago, I can still Huh? PrEP. You're. on PrEP? Woah, a straight woman on PrEP? It's. smart if you're having unprotected sex. >> Honestly? You're a [ __ ] and we love it. >> You got to be a responsible [ __ ]. >> If you're If you are a straight woman on. PrEP, you are a [ __ ] and I love that. for you. And I love that for you. That's. great. And now I'm tied down, so not a.

[ __ ] I'm not. >> No, that's great. Just by taking a raw. load on meeting on Snapchat blows my. mind. I was trying to make a point here, but you're right. You actually did the. same steps. I will accept it. I will. accept it. I will accept it. You're on. PrEP and you're right. If you got If you. got gonorrhea or chlamydia, it doesn't. matter. It's It's a pill and it's gone. No, yeah. That one's so curable. >> You've had those, right? Every [ __ ] has. >> younger, yes. >> Everyone has when they were younger.

>> You never? That's wild. I feel like everyone gets. like an STI at least once in their life. >> It It happens in college. It's okay. We. accept it. Okay. Well, I think I at least. understand you a little bit more now. We'll get into the finances. Um what do you think your financial. score is 0 to 10? 0 being the worst, 10. being the best. 0. Okay. Listen, if you want your hammer. financial score see where you stand in. the world of money for free at. CalebHammer.com. Just takes a few. minutes see where you're doing poorly,

what you need to do to improve, and. where you are doing well. That is for. free at CalebHammer.com. And also, if you don't want to be like a. guest who ends up on the show, make sure. you take PrEP and also download the. Dollar Wise budgeting app. Again, there. is a free trial. 10,000 monthly active. users using it to change their life for. a reason cuz it's incredible. New. features being added every single month. It is the future of budgeting apps. And. if you sign up only through the end of. March for the annual version, I will. personally sign my budget friendly. cookbook and mail directly to you. It is. going away at the end of March. This is.

the last chance to get it and then it's. going away. Okay. Discover. Discover it. Discover it. It's. what most men discover that uh-oh, I got. bumps on my dick after I slept with her. They discovered it. >> No one has ever. >> been discovered? In this one. Oh my goodness, can I tell you? I. thought I had herpes once and it. terrified me. >> No, me too. It was after I like shaved. the. >> I coaxed her into it. She has herpes. >> No, I don't have herpes. It's after. shaving you get shaving bumps and I went. to the doctor freaking out and they're.

like, "Dear God." They did They swabbed. them. You're good. I just had a zit. I. go to the doctor all the time. They're. like, "You need more?" Yeah. I just had. a zit. You had herpes. Okay, so discover. it. What happened? >> didn't know it was a. >> How many How many STD treatments were. spent on here last month? Discover. Okay. Discover it. >> Dis- Why discover it? That's the card. Discover it. It's not just a traditional. Discover card. It's Discover it. Oh, I. didn't know that there were Well, I. don't know if you have other Discover. cards. So, I'm going to clarify. >> You have a [ __ ] ton of cards, so I don't. know. Okay, Discover it. What's going.

on? Um it just added up very quickly. I. originally opened it I think in 22 2022. Wait, you used to be a manager. >> Discover Does that not pay more than. what you're doing now? Were you a GM? Um I lived in Madison at. the time. But still, it's from Illinois, so it's from that area. >> Yeah, I was there I worked from there. from like 17 until 21. Were you a GM? >> Eventually, yes. Didn't you make more. than you make now? Um no, cuz it was I. mean it was back in like 2016. I would. say it was But you were a GM.

inflation-adjusted for sure. What were you making? What was your. salary as a GM? >> now it would be more, yeah. What was. your salary as a GM in 2016? 40-something. Oh my goodness, yeah. Probably about 50. then today. I think I think but. pretty high today, yeah. Starbucks is. bull and a waste of money and you. already You that by making your coffee. at home and invest in the rest. So now. you need to do that with your energy. drink as well. MAKE GAMERSUPPS AT HOME.

FOR JUST 40 cents a serving. And. honestly, it literally tastes better. And we proved this accidentally via a. blind taste test in our Hammer Elite. show Fat n' Fatter. The number one. ranked energy drink is GamerSupps. Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersupps.gg. or click that link in the description. below. Type in code Caleb. It's a. win-win. 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 invested app of choice. these days is Webull 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. sign up 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. Don't you just go be a GM at. Jimmy John's? Um the hour. >> money. The hours were grueling. Well, you have to show up really early and. it's weird cuz isn't it like Well, it's. like Wednesday to Sunday, right? Yeah. >> And you get Monday Monday and Tuesday. are your off days? Mhm. So that that's. part of the issue. Um. and then. Yeah. So just like it's like the schedule.

>> make more money right now, even just in. food service. >> could GM any like food establishment and. it you would make more. >> better hours. Panda Express pays over. 100,000. Yeah. And maybe it's Monday through Friday, we. don't even know. Like you're right. Not a GM position. shows how you make nothing and any other. job will pay you more as long as you. actually buckle down and do like career. position. Not just like hourly. Okay. Okay, continue Discover it what? >> Um I think that one mainly goes I know.

we went to back in 2022 went to Disney. >> and why? You also make no money. That's. stupid, but Yeah, I didn't mean. >> You still owe on it? On a Discover card? >> I don't. >> From 2022 Disney? What in the world are you still owing on. it on a credit card that is accruing. interest up the dick? >> Well, then I also put like. stuff on there. Oh, yeah. Going to St. Louis recently. I do go to St. LOUIS. QUITE OFTEN. >> WHY? MY WHY? MY BEST FRIEND LIVES THERE. So Why? I.

don't know why she lives there. >> Yeah, that's her city. That's the. worst city in the country. We have fun. No. No, you don't. We saw Sexy Red. >> you don't, huh? >> Sexy Red there. Yeah, go see her in a. better place. Where? Everywhere else. Um. Yeah, so that one like sometimes I'll. put like concerts on there You're. literally driving an hour away just to. go to Seven Brew all the time. They're. opening one though. I'm so excited about. our town. >> horrible. That's horrible. Seven Brew.

close closes location you're about to. open before she [ __ ] it up. I'm so. excited. >> No, you're going to fund THEIR ENTIRE GO. BE A GM at Seven Brew. That's not a bad idea. >> No, it's not. There's so many good ideas. and yet you do none of them. You drive. an hour away to go to this place and. spend money for gas for coffee? For. coffee? What even is Seven Brew? I know. it's coffee. What's so good about it? It's a chain. >> They just have a lot of sugar-free. flavors and. I like sugar-free flavors.

What the [ __ ] is wrong with you? You. have a child. Well, I mean. >> an hour away for coffee? The hour I mean. that's also where. um the guy I'm seeing lives. So. my death. Let me see this man. It won't be put on screen. Let me see. this man. I need to see what this man is. accepting. What kind of. what kind of guy? Like we all need [ __ ] so that we can.

[ __ ] but no one wants to settle down. with a [ __ ]. Speak for yourself, [ __ ] Hey. I'm trying to find my girlfriend. I'm sorry. That is sexist cuz you're. right. Men are [ __ ] and they don't. want to settle down with [ __ ] It's a. weird thing. I get it. But listen, I'm not sugarcoating. That. is just a reality of out there. Culture might change at some point, but. it hasn't yet. You don't have a picture. of this guy. The guy that's railing you. >> We do have a. picture.

Okay, yeah, it makes sense. Okay. Got it. Okay. Looks match. We love it. I got lucky. I'm not on here, but like at least you. know you're both on there. 20 years to pay this off. Your child. will be done with college. She'll be. five years She'll be like three years. into a career by the time this is paid. off just for the sake of you going to. St. Louis to see Sexyy Red. Just for the. sake of you going an hour away to 7 Brew. and take some 7-in. We hope for your sake.

Cuz he needs something. I don't um. I don't know. Yeah, I want to pay it. obviously pay that card off. You paid. your minimum monthly payment and then. spent money on it. You want to pay it. off. Where's the you want to pay it off? I don't see you wanting to pay it off, dude. It's in maxed out. You want to pay. it off. Oh, it's over maxed out. You. want to pay it off. [ __ ] you. You want. to pay it off. What are you talking. about? Credit score 582. You want to pay. it off. You're over the credit limit by. $40. You want to pay it off. 72 cents as. well. You want to pay it off. $8,991 of. interest paying it off. That's not.

paying it off. Paying the minimum. monthly payment. You only paying it off. Minimum monthly. payment takes you to 20 years if you. don't even purchase. Yet you purchased. $25,089. What is your wanting to pay it. off? I don't see you wanting to pay it. off. You wanting to pay it off, liar. Liar. I'm not lying. I want to get some. work done, so I want to pay that off so. I can put it on the card. >> Yeah. Well, you're going to need a lot. What are you starting with? My skin. Yeah, that's what I would have started. with. Okay. How much is that going to cost? What are. you going to do? Scar removal? Maybe. Uh the answer is yes. Okay. Good.

Um. That's good. You know, we all had zits. Some had worse. But I'm glad you don't anymore cuz you. got sugar-free. Yeah, I stick to a. pretty strict diet. >> That's good. That's good. And exercise. regimen. >> We don't need middle school craters. That's good. Okay, what's that going to cost? Cuz I. encourage it. Listen, that's. self-confidence. And it's also. Yeah, it's good. Yeah, yeah. How much is.

that going to cost? >> Uh it depends on how like how many. sessions it takes. I won't know until I. go in there. What do they think? What. have they projected? Have you sat down. for a consultation? >> Not yet. What does a session cost then? I would say like 500 and. Okay. >> kind of like Yeah. And this is a. extreme, mild, or light case? I don't. know. I haven't studied. I Listen, I got. my craters. I got them. I got them, too. Outside's pretty bad. Okay. Extreme. So, what is that? Like five. inches? >> least like one session a month for at.

least six months. Oh, boy. That's a lot. So, it's a $500 monthly. payment every six for six months? That's. a lot. >> And you want to clear up this credit. card instead of taking your child even. more so that you can do facial. reconstruction. Of which again, I do. support this. I want you to do this for. self-confidence, for. many reasons, for the for the guy that's sticking it. in. You know, I want you to Why would I. do it for him? What? >> Well, so he can be more attracted to. you. I'm sure he's attracted to me if.

>> I said more. More? I don't. You don't want him to be more attracted. to you? I mean, I wouldn't do it for somebody. else. >> be more attracted to me. Why I wouldn't. want to do it for somebody else. >> to be more attractive? You should do work for yourself, not for. other people. >> to also want to be attracted. and attractive. Oh, I don't really care. >> power woman doesn't care about other. people. Uh-huh. Come on, we all want to. be more attractive to other people. Shut. the [ __ ] up. What is this performative. crap? Shut the [ __ ] up. Of course you. do. Mhm, okay. Of course you're doing it for.

other people. Yes. >> But you're doing it also cuz you want. other people to be more attracted to. you. >> No, I just want to be able to not like. wear makeup, pretty much. Okay. Right. So, I said again, oh my goodness, you've already booked a $1,100 hair. extension for next month. What about. your [ __ ] future of your daughter? What are we doing? What are we [ __ ] doing hair. extensions for $1,100? >> is really thin from like years of.

issues. So, What issues? Um, like. >> AIDS? No. Um, not eating, and then what is it. called? Sorry, I'm like nervous. >> Am I going too hard? Well, I can I can I'm happy to back off. I know I know I know we're going a bit. hard. I'm gunned up today. I'm. I'm coming in guns a blazing, but I I I. don't want to actually like.

>> like don't know what I'm doing. No, it's. okay because the episode's crazy and. it's it's hard. Of course, you know, lots of onboarding and got permission. for literally every single thing I've. said, but you know, in the moment, listen, if it's if it's too much right. now, I can I'm happy to back off. Well, okay. I think it's just nerves. There's. Where did the tissues go? How how can they be there and then all. of a sudden they go away? Mark, what. were you planning on doing back there? Holding a box of tissues. You freak. Love you.

Freak. Mark sees women crying and he he takes. the tissues and brings them closer and. stuff cuz I think he's about to [ __ ]. jerk off. Mark. We can keep going. It's fine. Okay, $107 minimum monthly payment. Again, you're over the limit. Takes 20. years to pay off. Credit score is. horrendous. This is rough. It's for an. Apple bill and it's for something zoo. Some zoo thing at a zoo. >> yeah, we went to the zoo. But again, just a maxed out a credit card?

This indicates you cannot. go to the zoo. If you have to put it on. a credit card that gets maxed out. It's as simple as that. I want you to. give your child fun things. I do. They're a child. They want fun things. You want to give that. Was it for your child or was it for the. date? Oh, no, that was for her. >> Oh, thanks. Okay. So, at least again, there's a part there that I want, but. this is telling you that you cannot. afford it. It's as simple as that. Listen, I'll let you use the Fizz card, debit card that builds credit, okay? And.

you need to build credit, but you can't. spend more in your checking account than. you have. A lot, yeah. Yeah, a lot. Uh I. went through like a time where I. couldn't like keep up, obviously, and. >> You're at that time. Yeah. It's at a. 26.99% interest rate. What's the point. of putting these things on here that. over. Like you got a cash back bonus of 26. cents. All that for this? All this for that? This is.

Okay, Quicksilver one. What's happening? >> Oh my god. Um that one was opened for. you got pre-sale tickets to the Eras. Tour. [ __ ] Eras Tour! Hey. The Eras Tour! No, I mean be. careful. Don't come after me. I don't. mean it like that. I just mean you can't. afford it is what I'm specifically. saying. Yeah, I mean, that was years. ago, right?

>> What? It was like a year ago. >> It was in 2023. >> What? You opened this and it's still. maxed out for Eras Tour Taylor Swift. 2023? >> out for like for like New Year's. >> Swift? She can't even be able to shake. her butt for that, Taylor. Yeah, and. then like yeah, then this year. like four concerts. Sexyy Red? No, that was 2023. 24. That was 24. >> in 2025 concerts to max out this [ __ ].

card. Uh. >> And keep it maxed out to never pay it. off. Who the [ __ ] did you see? Hobo. Johnson, but that was a. Hobo Johnson. >> Hobo Johnson? Yeah. I would say the. tickets aren't super expensive. >> We don't have knowledge of Hobo Johnson. here. What's the next one? Um. Cake. What? Cake. It's like a 90 divorced 90s. dad band. Well, you speed ran that with your ex.

Okay. Number three? Um. who's that girl? Or no, not a girl. Oh, Honest Abe. Did I go to a girl this year? I don't. know. We're maxing out for these people? And number four? Number four? >> oh, Hozier. Okay, you got one. I do love. a good Hozier. And it's not like I don't. even think the the concert tickets are. cheap. >> live. He is such a good performer. He. gets a little ranty on social issues.

that he's not really informed on, but he. is he's yes. Yeah, he gets a little performative, but. that's okay cuz he is a performer, so I. get it. And also just blowing $60 every. second of your life for new Alani. flavors because you're subscribed to. their website. Stop. Okay, I love Alani. Yeah. You're done. You're switching. to GamerSupps. Just like your [ __ ]. What was it? Seven Brew? You're making. coffee at home. I just got rid of my. espresso machine. >> now. You're making coffee at home, and. instead of Alani, you're making energy.

drinks at home. These are free samples. to see what flavors you like. They're. very goony names. I get it. But. literally every single person who's been. on the show that has tried it loves it. All the commenters who have tried it. love it. It is incredible. We blind. taste tested energy drinks. This tied. first place. It is incredible. These are. free samples. Then, using, you know, code Caleb at GamerSupps, blah blah. blah. Link in the description below. You. can get free samples right now too to. see what flavor you like. It's 40 cents. a serving once you buy the bulk packs. 40 cents a serving. You're banking coffee at home. No more. Seven Brew. You have a child. You're not.

on an Alani list anymore. Unsubscribe. GamerSupps is what you're doing now. 40. cents a serving. Stop. Stop. Stop. Stop. You have maxed out credit cards and a. child. It is no longer an option. You owe on a $500 balance $493.16. with a minimum monthly payment of 25. You started way over maxed out the. previous month. Mhm. Which one's that? Huh?

You what? What did you call me? No, I. said which one is that? Quicksilver one. Oh, it's the same. Okay. Yeah, you have hundreds in. interest charges last year already. Hundreds upon hundreds upon hundreds. Oh. my goodness. Are you Klarna and. Affirming? What is this? I think it's. Affirm. Affirm. She's an Affirm girly. Who would have thought? Probably. constantly taking stuff off of Amazon. Oh my goodness. $640.61.

Crazy. Crazy. I'm going to assume your minimum. payments were about 150 bucks. Pull up your Amazon. Start a screen recording. Let's go. But you met a separate love your life of. your life at a Chicago concert. Are you. going to leave the current man for that. man once you finally learn his last name. cuz apparently you don't know his last. name or anything about him. Goodness, no. Um. that was. just after the Hozier concert. He was an.

Australian man. >> Another random rail? But we did not hook. up. We just made out. >> for it. You're dreaming into the rail. >> But he was Australian and he had long. beautiful hair that went down to his. shoulders. I've been on this trend. I. know the trend you're doing. No, that's. the You're on the zero calories sugar. free Jolly Ranchers. >> and that was for um that was those are. for my grandma. My grandma likes them. Uh better The what What is all financed. here on Amazon cuz I'm not seeing them? >> those are from months ago. So you would. have to gentle 100% Yeah, but they're. still financed. Okay. No, those aren't.

Um those are my mom's orders. But. >> Affirm? >> No, no, no. No, no, no. >> No, your Affirm is still being paid for. >> Oh, yeah. So gentle. and blanket? That was my mom. You got. Okay. And I I got rid of my Prime so I. don't order anymore. But. >> Good. I mean laying down towels, I'm. sure you need to. That's a good thing. Oh, never mind. She doesn't. That's a. bad thing. He doesn't do his job. properly. That's not good. >> Um I don't need more. But. no, you'd have to like look back at like.

order again maybe. That was my show some. of my purchases. Deal. Candle, gangster shirt. That wasn't. mine. >> Rancher stuff. More shirts. You got long. sleeve, crop top, booty, blah blah blah, workout shirt, Dora. birthday party supplies. Sexy body chains for women. Did it work? Yeah. I guess not. Dumping in. We know. you love to get dumped in. Six. >> Dumping in? What's dumping in? piece. reusable glass straws. Oh.

>> Booty. Comey in my 4 years old era. Oh, that was shirt. 29th birthday party. decorations. You got your own birthday. decorations? Yeah. Okay. Socks. Two-piece outfit for women. Pants. Gold waist chain. I don't know if that's me. Okay, and. that Well, then we're going further back. last year. We don't 100% need to go that. far back. And a gay shirt. Feminist gross as [ __ ]. I told you you were you were like the. version of feminist. Just based on the language you use.

I don't care if anyone finds me. attractive. We all care if people find. us attractive. You don't need to be a. strong independent woman. You have to go. like maybe go to like therapy for that. What? That people want to. >> of like being such a people pleaser. >> Dude, it's literal basic biology for. basically every living thing that has. ever been found on this planet. The. courting, the bird, the mating rituals. It is basic to want to be literally. considered attractive to people. What is. this modern day Cuz that's not real. feminism. Like real feminism is supporting women's.

rights. It's supporting women in Iran. who should be free to dress how they. want to, should be able to drive, should. be able to do things they want and not. be married off at children. That's real. feminism. They're not protesting that. for whatever reason. I don't know why. It's more performative stuff like this. I don't need a man to find me. attractive. I'm doing everything for me. And now I'm going to post a whole of. myself online. [ __ ] you. It's It's no longer feminism. You've. lost it. One Main Financial 404.28.

is owed. Nope. That's a [ __ ] lie. That's your minimum [ __ ] monthly. payment. AND IT'S A 35% INTEREST RATE. WHAT is this? THIS IS HORRIBLE. OH. OH, WHAT IS THIS? UM OR WHAT is this? You literally. [ __ ] owe 6,507. hours AND 5 CENTS. 5 CENTS. YEAH. OH, AND a 409.28.

cent minimum monthly payment at a 20 and. a 35% INTEREST RATE OF DEATH. WHAT IS. THIS? So. >> I'd get acne under the stress of having. this if I was you as well. I was. struggling and. >> Why? Cuz you spent all your money going. to St. Louis? Uh-huh. Um I mean. What? I don't know, maybe. Yes, absolutely. Are you kidding me? Come on.

>> So I was going to. pay off everything. So I would have one. payment. >> under a 35%. interest rate? I didn't understand. I thought it'd be. better just under one payment THAN. MULTIPLE. CONSOLIDATING TO A 35% interest rate? I've never even heard of that. No one's. ever done that in the history of this. world. You're the first one. You're the. first one. You are the first one. You. made history. No one's ever done this.

I'm sure other people have, but you're. the first one to ever do this. What the. [ __ ] is wrong with you? You don't know. what the [ __ ] is going on. This is. crazy. They're making so much money off. of you. Why didn't I just start a. company like that instead? Why couldn't I just not have morals and. just abuse the financial system we have? What a waste of opportunity. Oh my. goodness. Yeah, that one's rough. I didn't understand. Um Dude, I swear I. swear.

we're both [ __ ]. And we like different things. Everyone has a different flavor they. crave post-nut. Mine, for some reason, I. want McDonald's fries and ice cream. You. just want to take out a 35% interest. rate. You come and you're like, "I need. to get a 35% interest rate loan." I do. like to shop. >> your flavor is. Some people need a. cigarette. You just need a horrendous. debt that'll destroy your life. That's. what is happening. Yeah, I've been. paying on that for a while. Want to You. 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 DollarWise. It shows. you exactly where your money's going. every single month. Spending, subscriptions, and savings all in one. simple dashboard. Everything you need. and nothing you don't. And when you. download DollarWise today, you'll get 60. days to try it 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. 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, CalebHammer.com. Have you now? I BET. I [ __ ] BET. When. did you do this? What was the balance. when you took it out? I bet. >> Uh I think it was 9 or 10,000. And And you built all the cards back up. again. Who would have thought? If you. don't change the behavior before you do. bankruptcy, consolidation, transfer,

personal loans. Yeah, get up. Sorry, when? It was I think it was. June of. 20. three. Oh. No, 20 four. Oh. 24. >> Okay. Okay. Oh my goodness. Well, you had lawyer debt. Daycare debt? Mhm. What? I Who even has daycare debt? Not even in Minnesota. Who do you owe. daycare debt to? To daycare.

Why? For what? Um I had lost my. help. What? The state helps if you're. So, I lost it and then I'm They Well, okay, cuz. this was years ago. 20 I don't a years. ago. But I had started making more um. because, yeah. And then I had gone over. the threshold, but once I reevaluated it. was fine cuz I used to count in child. support as part of your income.

>> Who'd you owe the debt to? I owe the. debt to her daycare. Oh my goodness. How. much was it? How much daycare debt did. you accumulate? Like 6,000. What the Well, a month is like a. thousand dollars. What the. Yeah, and I like. >> And one of those places are making so. much money. What the. >> With my custody eyes, like I paid 250. But. Like but I have to do back pay. >> The lawyer's from custody. What? So more did happen.

I mean. kind of. Not really. It was just I was. served with papers so I had to get a. lawyer. Mhm. How much did you spend on. lawyer? Um, I have 1,200 in debt to my lawyer, but I love it. That's why I love serving. people cuz I immediately send them into. debt if they're being [ __ ] Yeah. >> favorite thing to do. His retainer was. like 3,000. >> Oh, yeah. Lawyers are chunky. Yeah. Chunky. That's a cheap lawyer. Yeah. That's a cheap lawyer. >> But yeah, like in the area it's Like. halfway decent lawyers like a 15,000.

retainer, so. Well, our area's cheaper. It's like Lawyers? I don't know. Yeah, I. mean it's like 300 an hour. Yeah, for. [ __ ] lawyers. No, he's like the best in. our area. >> 300's okay. It's just a low retainer. Yeah. Well, they didn't think the case. was going to like be that long. I see. Okay. And was it? Was it easy? >> It was like a year. Maybe. So the dude wanted to have more. custody. Yeah. Why didn't you give it? Well, at the time she was breastfeeding.

So I. >> Yeah. You can't. She has to She had to breastfeed. Wait, don't they don't they pump and give like. overnight milk for the kids? >> bottles her whole life. And sorry, it. was after she was. >> he never gets custody because of this? That doesn't seem very nice. >> he gets extended time in the summer. Like we agree we agree now we. we do everything without lawyers now. We. just talk about it and make the her. schedule together. Um and now we do like the family days.

But he gets because we live so far. apart, he can't really do 50/50. Or are. you sure you're just bad at teaching. your kid cuz you literally bought a cat. last year just to get her to potty. train. Okay, children are can be difficult. What? Crazy. >> don't have any. I don't know why. >> but guess what? Uh humans. You know how I was born? I was a child. and that happened to every single human. throughout human history. You're not a. unique case. Potty training was taking a. while. And so she had her chart and she'd been.

asking for a cat for years. So I said when she. >> So you give everything. >> potty trained, she Well, she's working. she worked for it. And she got the cat. >> adopt a cat instead of doing a $400 You. spent $400. >> On what? >> The cat I mean the old Oh, on like stuff. for the cat. >> Uh-huh. No, we went to the shelter and. picked out a cat. That's good. And it. was like 50. That's my lawyer. You still owe this. I. thought the consolidation was for that. So do you still owe the daycare? Yes. Oh, for.

dick's sake. What are we doing? So you. literally still owe the I hope they sue. you. So you have to go get another. lawyer. >> I make monthly payments. To the lawyer? To the daycare. Okay, so you but you owe. the lawyer $1,281. Why haven't they gone to small claims? I'm curious. I don't know. So what are. you doing with this? Um. I don't. You just not doing anything? You don't. care? I do. I just. >> asked for a minimum payment? No.

>> they do the work without you actually. paying the retainer? Cuz that's the. retainer. >> the retainer. So this was additional? Yes. Why Why did they do work without. you paying for it? >> They. bill you after. Like. they cuz they'll put their hours in. there, you know, so that's like. >> they do like a monthly bill. Oh, I don't. know. >> is weird. Okay. Why don't you just call. them and ask for a monthly payment? I just. >> And did you pay the retainer or did your. mom? Ah, mhm. I was a college student. I. So she did. Yeah, but you've just done.

nothing ever. I mean And what have you done besides. birthing a child? >> When I found out I was pregnant, I went. back to school. to get my degree, to try to make a. better life. >> That has no return in the market. You. don't have access to Google? That's. weird. Is that not in the Midwest anymore? Did. they take that away after I left? I don't I don't think so. I don't I. don't remember. You want to take a break or is. everything okay?

Again, I'm happy to like. tone down. The tone is set by just like. kind of what we talked about and agreed. on and I'm happy to bring it down and I. really am. I do not want to bring you to The whole. point of this conversation. and for those watching is it is. certainly intense and it certainly is. over the top. It is for this you know, the show and the sake of the. conversation and you know, the meeting. guest is paid off. What was it? She had. I forgot.

15,000 in 12 months? I don't remember. Like over $20,000 in 12 Like it works. But the thing is the tone is set by what. you agree on and I'm happy to be down. here when you need to be here. Cuz I I I bring the chaos and craziness. and jokes and humor when the guest is. okay with that of which, you know, you. were. But I'm happy to bring it down. Well, I just think it's like uh. when I talk about her. The kid or the. mom? The kid? Okay. What What's going through your. head? When you think about the kid?

Tell me. Oh hold on. That I'm just a. bad parent. I don't Yeah, you [ __ ] up. You [ __ ] up. I'm not going to. sugarcoat you [ __ ] up. And you're still prioritizing fun. It is. fun out of love for the kid. You're not bad in terms of you are like. an actively do like choosing to like. Well, okay, you're making choices, but. you're not like you're not abusive. You're not That's not the kind of bad. you are.

You're bad in terms of you have to. manage the household finances for the. second of the kid cuz it impacts it. I. grew up in the financial household. I. know how it impacts, okay? And luckily. my youngest brother is who's still in. the upper ages of high school, he's. growing up in a great financial. household cuz they learned it. I was the. first one. This kid's the first one and. last one from the sounds of the removal. of tubes. But. it is still your responsibility to take. care of this. Yes, you [ __ ] it up, but. you don't have to from here is the whole.

point of the show. This whole point of the show goons. and goes crazy on what you are doing now. and what you've done, but it doesn't. mean your future is bad. You get to make the choices leaving from. here. And you get all the resources, the. Master Your Money program which has all. of our classes, the premium version of Dollar Wise, cookbook, meal plan, certifications, the Fizz, you get Helium for cheaper cell service. We give it all, every resource you could. ever need. Plus more if you request.

So, it is your choice from here. Yes, you [ __ ] up and it is good to. acknowledge that. So, I respect the. tears on that part. But now you need to get your [ __ ]. together, okay? For the sake of your. kid. For the sake of your kid. Cuz your kid's all that matters in this. world to you, okay? That's typically how it works. Why do you owe your friend 200 bucks? Trying to I'm sorry, we don't really Her. and I don't really talk anymore. Why? Cuz you owe her money you didn't pay. back? No. Why? I don't know. Things just.

got weird. So. Well, cuz you're buying. you one lesbian with her? No. Oh, that's a shame. That'd have been. fun. Um. I think that one she um. had used her card um. somewhere. I don't know. So. >> Okay. Well, maybe we'll pay that back. Okay, but you owe your mom 4 to 6,000. I'll say 5,000. What Why? What the. Um. the retainer for the lawyer.

>> Oh. Are you doing monthly payments to. your mother? How does it work? Um. I I we haven't really. talked about it. I've sent her like $500. once and I haven't sent anything else. since. Oh, your mom bought computer game. >> Oh, she uh my computer broke while I was. in college and she bought me a new one. Okay. Oh, she gave you an old car, too. And helped with groceries. Okay, she did. everything. Mhm. >> Eastern Illinois University, where they. found it.

Mhm. You owe money, too. Mhm. Why? Um I. was late returning the textbooks. And I think it was past the time. Dang, dude, have you ever done anything? Daycare. Yeah, there it is. Okay, what's. your monthly payment to daycare that you. owe 5,400. to? Um 250. My wife. That's insanity. Oh. Oh my gosh. Current Okay, here we go. Is this car? Yeah. Oh, what is the interest rate?

17%. OH! WHY? UM $22,636.74. AT 17%? OH! WITH THE $536.88. monthly payment TERM PROBABLY FOREVER. WHAT IS THIS CAR? WHAT IS IT? >> IT'S just a. a 2019 Nissan Rogue. What do you think it's worth that you. owe $22,000 at 17% with a minimum.

payment you cannot afford to save your. life for a Nissan Rogue? Good luck with. that transmission. How much do you think. it's worth? I think like 14,000. >> 13,000! Yeah. I NEEDED IT. >> BRO! >> I didn't want to buy a car, but I had. to. >> Okay, you had to buy a car. Why didn't. you get a $10,000 car? Huh? >> I wanted to make sure it worked. Worked? Worked? You don't think a $10,000 car. would work? Take it to a mechanic. Take.

it to a second mechanic. Get it approved. by them. >> I. just needed one really quick. So, you're. rushing into a complete financial. mistake that's destroying your entire. life and accruing a minimum payment that. you can't afford to save your life? Yeah. What? That's how you make. decisions? >> old car it it broke down literally like. on the side of the highway. >> That sucks. You could have Uber for a. couple weeks. I'm sorry. >> We don't have Uber in the area. >> What? When was this? Oh, sorry. Um. When did my car break down? Yes. May? April? You didn't have Uber or Lyft or.

anything? What? >> And for my job I have to drive every. day. What? >> And then to take my daughter to her dad, I have to have a meet halfway. Get a. rental car with your insurance. Get a. rental car. That's still better than. making a long-term error that's [ __ ]. your entire life. Get a rental. It's not great. It's not the most. affordable thing in the world, but it. would have saved you tens of thousands. of dollars going forward. >> Yeah. >> To look for a car for a couple weeks.

instead of a couple hours. And I didn't. want to ask for a cosigner. Oh, but your. mom also gave you an old car to use. That's sitting. >> the one that broke down. How much did it. cost to repair? Um. they couldn't repair it. There was like. a leak. And they said. >> Can't repair a leak? It was in like some. weird part of it and the mechanic a. couple years ago told me to get a. new car when I could. When you could, you couldn't. >> I Yeah, and but there was no really real. way to fix this one cuz there was a.

rental car, then get a $10,000 car. And. or Your. Your fit. Yeah. 17% interest rate of death. Okay, that looks like all your debt. Mhm. You only have a couple hundred bucks in. checking account and it's off. Oh, it's off. Dunkin' Donuts. Going in and getting some [ __ ]. Starbucks, getting [ __ ] Starbucks.

What is this? Check your Oh, writing a. check for 100, writing a check for 100. >> That was a That's daycare. They don't do. online payments, so I have to write. checks or do cash. Uh ginger ale, ginger ale, Sonic. Drive-In, Starbucks, getting some. [ __ ] Petsmart, that's okay. Walmart's unknown. That's where I. grocery shop. I hope so, but I hope you. get nothing else while you're there, ever. Uh-huh. >> It depends. Exactly. That's why it's. unknown.

[ __ ] affirm, affirm, affirm, Starbucks, potential [ __ ] and. groceries or mixture of both. Another. check, $990.61. 900? 90? 990. Oh, that was half of my. property tax. Ay, ay, ay, ay, ay! Getting going in AND GETTING SOME. [ __ ] GOING IN AND GETTING SOME. [ __ ] GOING in and getting some. [ __ ] Going in and getting some. [ __ ] $100 check, getting some. [ __ ] Dairy Queen [ __ ].

7 Brew. Death. Grind head. That's a coffee. >> Oh, Spirit Halloween, that's a [ __ ] ton. of money. Um [ __ ] Check, 100 bucks. [ __ ]. [ __ ] Ginger ale once more. ginger. ale, ginger ale, [ __ ] [ __ ]. [ __ ] [ __ ] [ __ ]. Yoga. Check for.

$250. This was a check. >> the all the checks are daycare. >> negative on with that one. You went. negative, you bounced. You went negative. You went negative $23. with that. Yeah. That's crazy. [ __ ] [ __ ]. affirm, [ __ ] [ __ ] potential. Which also that Walmart pushed you in. negative. Huh? The affirms are you know, paying off. Yeah, I know. I didn't say. those are [ __ ] but they're still. affirms. But the Walmart one which. sometimes a part of it is [ __ ] I. bet every time, pushed you in negative. $12.71.

And then Starbucks, like what are we. [ __ ] doing? Overdraft fee, you got. two of this, period. >> Mhm. And last year in 2025 Well, actually no, because this was in. September, so I'm sure it was even more. So only 3/4 of the year. Either way. What's the 32 for overdraft? Yeah, 26. overdraft. You probably had You probably had 35. overdrafts by year end. What the [ __ ].

You're a mother and you're choosing to. go to 7-Brew while you're overdrafting? You're a mother and you're stopping at. the gas station to get some [ __ ]. You're a mother and you're overdrafting? You're a mother. [ __ ] you, you do not. get to go to the zoo when you're. overdrafting. You, I'm sorry, you are a. mother. It is no longer an option, it is no. longer a choice. Driving an hour for. 7-Brew is not a thing. Okay, so five. No, this is projected. What do you even. have in retirement? Um this is projected. what it's going to be. I think. almost three, maybe.

>> Yeah, $2,650. It's a little It's a little different. for the state. They automatically take. like 8% Yeah, and it's not doing great. It probably isn't getting great returns. either. Yeah, and then if you work there. for like the number of years, you'll. never run out of your retirement. I. know, but it's Well, pensions, by the. way, are being pushed to the absolute. max, especially in Illinois. Their. pension Their pension They're not. funding pensions correctly. Like, I. don't even know if that'll actually be. there in a sustainable or high enough. way to take care of the bills by the.

time you retire. Pensions don't know you. With the regulations in pensions and the. risk-averse nature in pensions, their. growth rates are absolutely horrendous. compared to the overall marketplace, and. uh it's just. it doesn't keep up, and then it's harder. to pay out. It's brutal. Okay, income. We're not counting OF. anymore, so 300 3,000. $600 is your income. >> I also get like 200 for reimbursement uh. for gas for my job.

That's like the average. Okay. Okay, so. 3,800. >> Mhm. That's the average. So, every piece. of gas. Yeah, like. >> And I'm putting gas as zero and income. at 3,600. >> Okay. Debt minimum due payments, let's find. out. So, your mom owns the house, right? All. all or. full out? No. And why are you paying. property tax in these weird chunks. instead of Cuz. >> paying her for the property tax portion. of the mortgage? Her mortgage is set up.

it doesn't include the property tax. >> just Okay, it's weird that So, I don't. Oh, like I don't I pay more. >> either way, $1,484.16. is your minimum due debt payments. That's chaos, and you're not You're. having fun. Come on. What's your rent? 365. >> Is that including the property taxes? No. How much is that? 2,000. Per? Year. Okay, so 2,000 which you need to. save monthly divided by 12 plus 365. Okay. Your monthly rent is $532. Gas, electric, utilities, all that.

combined, how much? Um And internet, as well. Let's see, I don't have internet, but. 350. for Yeah, water and gas. Okay. Phone bill? 75. Okay. Car insurance? 180. Necessary food? It's going to be I'm going to say $500. doing the kid meal plan, meal prep, warm. up. That's what it's going to be. Follow. the meal plan, follow the cookbook. Easy. peasy. It's a little annoying. It's not.

the most luxurious thing in the world, but it you'll be fine. TP fund 200 bucks. anything else you and the kids need to. survive. Toilet paper, tampons, all the. good stuff. Makeup? Medical health here. Copays when out on. a monthly basis? Uh no, but $40 for. medication. Okay. Yeah, the gym? Uh 30. Good. Subscriptions I'll also put 40. You have. pets. You have a cat. Mhm. You have pet. insurance? You do now cuz no way you can. take care of it if something bad. happens. 50 bucks. How much for pet.

food? Uh about 25 every for everything. Anything else on a monthly basis that I. need to take into account before we know. what your minimum budget to survive is? No. Okay. Yeah. Woof. Basically a break. even. 3,510.16. Does he ever miss child support? No. That's good. But you have an extra call. it 89 84 a month and that's if we hit it. exactly, you know, utilities and all.

that. So it's probably closer to 80 or. 100 something like that, but. the reality of your What was it? $48,000. of debt? Divided by 89.89. 533 534 months to pay off. That's uh literally 45 years. 44 years. Listen, your career's not a good career. Just going to let you know.

Time to look into other careers, getting. into other things. Yes, 9-5, Monday. through Friday, I agree with that. Um. But you you. even earlier said, "I'm not getting. subsidized this year on child tax credit. and helping to pay for child care." Yes, you are. It doesn't matter. That's fine, but. let's get you to a place where you're. not subsidized and you are out there. being a giver in this world and you're. bringing enough money to take care of. your debt. Now, that's going to take. work. That's going to take time, certifications. That means this debt. does not move for a bit. And or probably and.

what I would allow, keeping this car, but you change your behavior for 2. months, you follow this strict budget, show that you can follow this strictly. for 2 months, I will allow you to go. through bankruptcy. Not cheap, not stress-free, but still at least wipes most of this. Maybe not the daycare, certainly not. family debts. Um and we want to keep the car. Or maybe not. Honestly, potentially. repo, uh you know, voluntary repossession,

then get the rest of it wiped from. bankruptcy and you get a $10,000 car at. a shitty interest rate for sure, but a. $10,000 car that we can manage. That's a. play. Then you wipe that out, you get a. fully funded emergency fund, and that's. our future. But you cannot do any of. that, just like your big 35% loan you. did earlier, you can't do that until you. at least prove you can follow this. budget exactly for 2 months. And if you. [ __ ] up, then no, you don't you don't go. through with bankruptcy. You have to. start over again. That's what I would do. But you also. need to look at career change cuz this.

is not going to be enough for a single. mother going forward. If you're a dual. income household, maybe. Single mother, it's going to be hard. to get for the future you want, okay? Guys, the post-show is going to be. great. We're going to bring in her. sister and they want to confront her for. her sister wants to come in and confront. her on depending on her mom. The. post-show is going to be great. It's. going to be one of the best ones we've. ever had. But let's get the Hammer. Financial Score first. Uh spending your budget, you overspent, zero out of 10. Debt, well, family debt, all that stuff. But. no collections, no IRS that. So, one out. of 10. No, you do have collections.

I mean, you have the lawyer [ __ ] Okay, zero out of 10. Emergency fund? Nothing, zero out of 10. Retirement's. extremely low for 29, one out of 10. Real estate? Nothing, zero out of 10. Hammer Financial Score, round it up to. 0.5 out of 10. Get yours at. CalebHammer.com. Now, click the join. button to join Hammer Elite, the number. one investment membership on YouTube for. a reason. Three premium shows posted every single. day, Monday through Friday. High-quality. premium shows, including extra 20. minutes of this episode and the. Financial Audit podcast. I'll see you. there. And then, you wanted to come on. and confront your sister about the.

reliance on your mom. Our mom works. really hard. Uh, she doesn't make a ton. of money, but she loves us. unconditionally. Mom works like 100. hours a week. She struggles with her. bills, and she financially supports you. This is something that already happens. in the family, and yet we're seeing it. right here. Yeah, I guess so. Hammer Elite is the. best YouTube membership on the platform, and I just upgraded it. New dedicated. premium shows every single day, Monday. through Friday. Join with the link in.

the pinned comment or description below. This is the best membership you'll ever. join, and that's a promise.