Financial Audit: Doomsday

Oh, I'm being told you've you've like. expressed like almost like like you want. to kill Democrats. >> What's bad out there? >> They do say prepping is a is a total. thing. I want to be able to have like. >> What are you prepping for? >> People to like par a troop down into the. area. >> You're prepping for a foreign invader? That's bat insane. June 1st, I'm [music] launching the. Hammer Elite app available on every. major platform. Join the wait list by. using the link in the description or.

[music] pin comment down below to get a. never-before-seen financial audit video. and an exclusive offer just for you. You'll get lifetime access to the entire. Hammer Elite catalog and our Hammer for. Life box [music] packed with limited. edition merch. So mark your calendar. June 1st. This is the best membership. you'll ever join. [music] And that is a. promise. >> Hello, my name is Freya. I'm 31. I live. in Central Florida and this is Financial. Audit.

>> Hey, thanks for coming over to Austin. I. appreciate it. Freya, what do you do for. a living in Central Florida? >> Uh, I work at a warehouse. I load. semi-trailers like by hand with a. conveyor belt that goes into the. trailer. >> Okay. So, likely not one of the higher. paid positions in Central Florida. I. mean I mean that is a kind of a broader. range, but I know Florida's cost of. living has certainly gone up for sure. What are you making in this job? >> Um, I make $1850 an hour. >> Okay. It's honestly a little better than.

I thought, but even still, $1,850 an. hour. How many hours a week are you. getting? >> Um, it's 36 312s. >> Okay. 3 days a week. What are you doing. for the other five? Cuz I assume this. $1850 for what's that um 36 hours a week. is going to be hard to live on in a. higher cost of living area. >> Yeah. >> What are you doing for the other five. days? >> That is my issue, unfortunately. Um I'm. um back when I was 18 years old um I got. a felony charge. Um and then. >> you felony charged for.

>> um I I got pulled over and I had I had. drugs on me. They were a couple drugs. >> They were. >> they're like Laura. >> Are you still on them? You're like. tweaking out right now. >> No, sir. I'm sorry. I'm. >> You're weaning off them right now. >> No, I haven't touched drugs in over 8. years. >> Well, in over a years. >> Eight years. >> Oh, well that's pretty good. That. doesn't line up with the 18year-old age. It does. Sounds like you got that felony. and you're like, let's keep going. Let's. keep. >> Well, I I spent 11 months and 29 days in.

there. Brutal. >> They I It was for. >> hard to break. >> It was for a honestly. >> Oh, but you said you were caught with. the code out. >> Mhm. Mhm. >> Yeah. >> You went to jail for a year for. >> Well, um I I was supposed to get it. remove. >> in Florida legal now. >> It is, but I mean this was your life. sucks. >> 13 years ago. >> Yeah. Yeah. There you go. >> Yeah. Yeah. Well, um I was supposed to. get it removed off of my record, but um. I failed probation. Yeah. So, that became permanent after. that. 18. Like I said, I was I was 18.

years old. >> The is wrong with you failing probation. >> I smoked. >> Bro, that's what you went there for. Just don't smoke for a second, you. weirdo. >> What the [ __ ] is wrong with you? >> Time was smoking. it was difficult for. me to quit in the first place and I did. and then. >> difficult to I thought weed was not. addictive. >> Well, I've used it for anti-depressant. purposes for a lot of my life. So, >> no. I understand. >> I thought it was not addictive. If.

you're ining probation, don't smoke for. a second. >> Yeah, it got it got really hard in life, but I I I did it. I did it, you know. >> Yes, you did it. So, now is it on. forever? Like, how does this work? Cuz I. don't even know. I'm not this I'm not. that guy. I'm not the felony guy. >> Yeah. Yeah, it actually it is. >> Okay. So, you're never going to get a. great I mean, yeah, this is lower. It's. going to be harder for you to get. places. Unfortunately, >> that's been my issue cuz I also have. domestic. >> fair. Okay. >> Um I I [laughter] um Okay. So, after I.

got out of after I got out of jail, um I. stayed with my mom. My mom was like. really heavy on drugs and stuff and she. was with this guy. >> Oh, we're generational addicts. >> Unfortunately, I actually don't even. know where my mom is so I haven't talked. to her in years. >> Yeah. Well, anyways, um, so from there. it was, um, it I started dating this. guy. I ended up getting married to. >> guy. Negative. >> No, this friend that I had met when I. got out of jail. There was nobody I was. still in contact with. >> Oh, that's good. Right out of jail. trying to find a place to live.

>> My dad wasn't living in his house and. that's where my mom was. >> Fair enough. Neither would I, >> you know, and I I was 21, I think. I. think I was 21 at the time, actually. >> Wait, you got in jail at 18? From 18 to. 19, I was on probation. And then from 19. >> into 21, I was incarcerated. Yeah. Yeah. >> Because you failed probation cuz you're. a honestly. It's weed. Again, if it was. like if it was any like the oxy or. whatever, like yes, that [ __ ] is so.

beyond difficult. >> Where I got heavily addicted for like a. good seven years on drugs. >> Yeah. [sighs] I'm just happy I'm off a. bit. I've been off for a long time. >> I am happy to hear that, too. But what. the why are you beating people? [snorts]. >> [ __ ]. he's actually um in prison for 25 years. to life now for. >> not surprisation. >> Don't surround yourself with the best. people. >> I I did not I. >> did not do not I don't know. Maybe we'll.

see. >> We all hope so. >> There's always redemption in some. people's lives, right? >> Yeah. If if you do it well, I can't. redeem you from beating domestic abuse. I don't know if I could do that one. personally. I can get you out of debt. Get you full fun at emergency fund. Can't keep your fists off a dude's face. >> It's difficult to um I actually almost. didn't even get this job 2 years and 8. months ago. >> I also would not have honestly hired. you. Um and that's not unfair. It's just. like.

>> I know. >> Why would I pick you over anyone? I. don't understand. Um, but. >> I have an insurance license to sell. health and life insurance. I got that a. couple years ago. >> Yeah, it's the best job. >> Well, no, because they deemed I had to. write to the state with FINRA and the. SEC to be able to even like they deem me. trustworthy to get that license to do. that sort of thing. >> Dude, you expanding on camera. You. wouldn't be able to sell anything to. save your life. >> I'm doing what? >> That. >> Oh, okay. >> Did you just see that? Did you just do. that on purpose? >> No, I'm sorry. It's It's sometimes a.

response. I'm sorry. >> No, it's okay. It's like you wouldn't be. able to like I would who would buy? >> Well, that's not what it is because. health insurance is not something that. you buy. It's something that you need. It's just a matter of how it works with. your life. >> I still work with different brokers to. find the right one. >> Negative. I was not. >> I worked with like 25, but they're all. there. Like it just it pulls up on the. screen everything like you just plug in. >> But did the clients talk to you? >> Yes. >> Yes. I understand why they went, "Okay, so you beat someone. Why are you beating. people? Don't beat people. Beating.

people's bad." You know, he maced me. [gasps]. >> Yeah, he maced me. >> I don't Huh? You macaed you? >> He's macaed me. >> He's macaed you. >> Mhm. He also. >> He's macaed you. >> Mhm. He also choked me. >> Mace is like making it sound like this. is a continuous thing. He was ming. >> twice. >> over and over again. >> It happened times probably to get your. ass off him. >> Your violent ass. [sighs and gasps]. >> If that's what it took for him to decide. that that's what that needed, >> then again, >> well, honestly, yes. If someone was. beating me and I had mace, I would mace. them. [gasps] There's a difference. between like talking to someone and like.

I don't know when it crosses that. threshold when someone smacks you and. then you get over it and then like over. time it's just like. >> what are you talking about? You're the. one that got a felony for domestic. abuse. >> No, that's drugs. >> Okay. You're the one for drugs. >> Okay. What what charges did you get for. domestic abuse? >> Yeah. So his mom. >> What charges? >> Yeah, they're battery. >> There you go. You're the one that got. them. So what what why why your neck and. said I [ __ ] did it. Literally said I. did it. I'm like.

>> I don't think you were the reliable one. in that conversation. >> I was trying to leave. I was trying to. pack my [ __ ] and leave. >> before you hit someone. >> The first time that all of that happened. with his mother. Yes. So his mom set the. precedence for me being a violent. individual at that point. No you I Nope. I was packing my stuff trying to leave. >> Dude, look at you. You're freaking out. You don't even know you're hitting. yourself. >> Yikes. >> Okay, so who did you hit? Who did you. hit? >> I didn't. She claimed that I put my. hands on her and I did not because she's. this little tiny lady and she's like, "Oh, it hurts." And blah blah blah.

>> They're [snorts] not going to take DNA. underneath my fingernails to see if I. even touched her if that wasn't a thing. Obviously, because why would they do. that? They're looking at me like. >> you have a lawyer. >> No. Yeah. See, see what. >> she ended up dropping the charges, but. it was still considered that I got. charged with it even though it's not a. conviction. >> So then third time in a row because he. called me. >> third time. Where was THE OTHER TIME? WHAT ARE YOU TALKING ABOUT? third time. >> Well, >> where's the other time? You didn't tell. me about one, two, >> yeah, there's there's three. There's two. against him and clearly not a beater.

>> I. >> And what were the two against him? >> Well, the one day that he maced me. >> And why did he mace you? >> Because we got into an argument and I. bet him to do it. >> Huh? >> I bet him to do it. Like, you bet him to. do it. >> Do it. Just go ahead. You already put. your hands on me before. Just go ahead. and do it. >> Do it, Daddy. >> Yeah. That's. >> okay. Well, yeah. I'm sure you blew his. mace load when you were begging for it. >> All over my hair, man. >> Huh? >> It was all over my hair. You know how. difficult it is.

>> Yes. >> Right into your face all over again. And. Yeah. >> You were hands and knees begging for it. I know. Okay. So, after you begged for. him to mace you, he maced you. Surprised. Now, that works. Um, then you. beat the [ __ ] out of him. Interesting. consequence. >> I didn't put my hands on him. I didn't I. fought back, but I was not the first. person to put my hands on somebody. >> Wait, I didn't put my hands on him. >> Yeah, >> I FOUGHT BACK, BUT I DIDN'T PUT MY HANDS.

WHAT? >> SO, there's a different Your brain's. frying. >> When someone Ouch. When someone um. [laughter] When someone calls the. police, the police need to determine who. the aggressor is. So, it's usually the. person who's calm. I'm not going to lie. to you. It usually is. >> Oh, you're not the calm one? >> I was not the calm one. Oh, really? >> I just got amazed. How could I be calm? Are you kidding? >> Kicked his ass. [sighs and gasps]. >> That's something. Maybe you brought it. Huh? >> Whether he deserved it or not. >> I did. Did Did he? I don't know. >> Well, I mean, you can't put your hands.

on somebody and not expect that to. happen. >> Did he Well, did he get charges then, too? >> No. >> Okay, then what the They obviously. determined. >> He already had charges. >> They obviously determined that you Okay, >> I know they determined that. And I never. took it to trial. >> What would he say? Because here's the. thing. It's always the person on the. show that only the other person was the. one that instigated anything. >> It's interesting how that happens. Literally, no one on the show was the. problem. I don't know. It's a weird.

It's weird how that always works out. >> I have no problem with admitting that I. did something. >> Except you you specifically have You. said you had didn't put your hands on. them except for when you did or. something. >> Right. Right. Right. Okay. So, like. first the first not the first time. >> Okay. Yeah. What about the second time? cuz we got the three and I heard one put. a gun to my head. Told me if he killed. me it was going to be okay. Nobody was. going to care. So see. >> I don't think you would get charges for. that. Getting out of a dangerous. situation of a gun to your head. >> It was awful. >> Huh? >> It was awful.

>> And of course you did nothing wrong. though ever. It was all him. >> Tried to leave the situation and I did. >> I did. >> I'm sorry. Why are you still there after. he put a gun to your head? cuz [sighs] I. I was so scared. I I didn't have a job. I just got out of, you know, being a. felon. How old were you? I was I was uh. 19, I think. >> What the No. >> Yeah, I was 19 when I got out of jail. 1920. >> No, you were 21 when you got out of. jail, she said earlier. >> Was I 21? Okay. Oh, there you go. You're.

>> I'm sorry. >> Oh, you you're broken. They They fried. you. I'm happy you're off drugs, but. they destroyed your brain. >> Those years were very very scary. >> Sure. But what years? 18, 19, 20 or 21. You can't decide. >> at all. I start out 16. >> I would also not hire you. >> Why, >> bro? Watch this back. >> Okay. >> I'm sorry, but [laughter] you're I'm.

afraid there's like a shiv under the. table. >> I don't I don't know what else to say to. that, honestly. >> Oh, I don't know. Okay, so what do you. do? So, okay. You've been clean for. what? >> 8 years. >> Okay. Does that line up? Because you. said you did opiates for like f four or. six more years after that. Then the math. isn't adding up. If you've been clean. for 8 years, you would have been 22 off. No, no. 23 off, right? >> Did I do that math right? Yeah. 23 off. But that doesn't make sense. If you got. out of If you got out of prison at 21. and then you did opiates for like five. or six more years or whatever you said.

earlier, that doesn't make sense. I. don't think you're counting your off. years, correct? >> Um, what? Uh, 16 to 21. >> What? No, but that's not what you said. earlier. You said, >> "Huh?". >> No, cuz it's been 8 years. Well, I just. turned 31. So, >> happy birthday. I'm confused that Okay. The just the timelines aren't messing up. and you can't seem to keep your timeline. straight. Anyway, what were you doing? >> Um, so I started working at uh Habitat. for Humanity. Oh, the opiates. Um, and.

anything. I was a poly addict when it. came to that. Anything that I could. find. >> Injecting. >> I've Yeah. >> Yeah. >> Brutal. very happy you're off. Eight. years. Well done. We love that. W's in. the comment section for that. We love So. opiates very difficult. I mean, it's the. hardest, right? >> So, Oh, admit in there, too. Um, that's good. Um, I mean, have you uh replaced it with. anything? >> Okay. Okay. Well, you remember when you.

said you couldn't not do that and then. you failed your. >> I understand my my job doesn't test for. I have I have a the card for it for. Florida. >> Okay. >> Yeah. >> Okay. Well, we that can be expensive. that medical [ __ ]. >> Uh it it just depends on. >> how much a month do you spend on that? >> Like 400. >> The you make $18 an hour? Spend $400 a. month on. >> Yeah. >> Yeah. >> Yeah. Edibles and the vape and the. flower for [ __ ] sake. Okay. again. celebrating getting off opiates. Would.

rather you smoke than opiates, but even. still you. >> and alcohol. I'm off of that. It's been. a year now. >> Okay. Yeah. >> Oh, I used to be a really bad alcoholic. My family didn't want to take me places. >> Wow. What have you not done? No offense. to you. >> Okay. Would I even be that concerned. about it? Honestly, I don't know. I. mean, you were. >> inject me. girl. [screaming]. What? Did you ever live like in a tent? >> No. >> With like the those people?

>> No. >> Have you gotten tested? >> Yes. >> Are you clean? >> Yes. >> Good. >> I think. >> Yes. >> You got lucky, didn't you? You are lucky. to be here. >> That's the one bullet that I dodged. Absolutely. I got a good bullet to. dodge. You know, it's. >> I mean, I'd rather you have a felony. than AIDS. >> There you go. Hey. Yes. Amen to that. one. >> Um, >> we don't want AIDS. >> Huh? >> We don't want AIDS. >> We don't want AIDS. Okay. >> Financial aids, maybe. You know. Well, you certainly got those. Listen, the. thing is, >> um, I I I I can celebrate that win.

>> Um, >> you clearly smoke a lot of now and I I I. want to clarify. >> it ranges. So, I'm adding in like what I. have to pay. It's like 120 every 6. months for the registration. >> Okay. Well, I am still clarifying that I. would prefer that over injecting. And. >> thank you very much. >> Well, that's not a thank you. That's. just like I think objectively we would. prefer that. I would still like you to, you know, eventually move on from that. as you did alcohol, but I guess you were. an aggressive alcoholic as well. I don't.

know. This is like probably addiction. displacement, but even still, even still. much better. I want to clarify and. quantify that. [clears throat]. >> Huh? >> I said self-medicating, you know. >> How'd you get off of all the things? I. have to ask. I'm curious. >> Um, well, after I mean, well, I was. incarcerated for like 48 days for my. last battery charge. So, I mean, like. that happened. >> That you didn't do. >> Well, yeah. Dude, you were so [ __ ] up. You had no idea. Come on. >> 48 days is a long time to not be [ __ ]. up. >> No, you were so [ __ ] up. You had no. idea if you hit someone. Dude, you were.

injected. I guarantee you hit him. >> I guarantee. Huh? >> Things are a little fuzzy, but I don't. believe I ever hit him first. >> Uh, first I don't. >> Maybe. I don't know. I mean, he was. probably doing the same [ __ ] right? >> Yeah. >> Well, yeah. So, you both were probably. just going crazy. Okay. But how'd you. get off? >> I moved into my grandma's house after. she bonded me out of jail and told me I. better fix my life. So, I got a job, got. a car, got a house, figured it out, and. I was. >> You just straight up got it off opiates.

like that. >> and never went back. Yeah, that's. impressive. >> My family needed it. I needed it. I was. I was [ __ ]. >> It has. Absolutely. Absolutely. I mean, I agree. But that's brutal. Listen, I do. believe in redemption arcs for sure. I. am glad you're clean, but that felony, you failed that [ __ ] And that is fair. And we shouldn't give people a million. chances. There is only a certain point. until society should have to deal with. you. No offense because we obviously. allow [laughter]. people to be continuously bad in this. country more than almost any western.

country which is why our low trust. society is kind of right now. But. redemption I do believe. but I'm also at the same time like okay. I don't blame a company for not. necessarily wanting you there and. entrusting you. So, what the can you do. for the rest of your life? What's the. play? What's the plan? How do we get. this felony off? >> I've looked into it. No, >> this is done. >> It's done. [ __ ]. >> Yeah, it's it's the um determination of. how it ended is what calls it that.

>> because it was a determined guilty then. Yeah. And I'm charged and convicted with. it. Um I can request clemency. I've. thought about it. >> Um and then also like adding the. insurance from the state as Yep. I need. to I need to. >> Why don't you I don't like that's what's. >> paperwork. I understand that. >> paperwork. Don't you want to go do. something more than just loading [ __ ]. You're not going to be like you're going. to it's going to be hard doing that at. like 75. You won't have enough to. retire. You spend $400 a month on. weeding. I don't even know what what. comes in on a monthly basis.

>> Uh about 2,200. >> So, okay. 2200 is what hits your. account. >> Yes. So of 2,200 listen I mean just. 20% goes to 20% of your pay goes to that. cannot be sustainable. It's and I again. I would rather you smoke and do the. other drug. So how about let's get that. percentage down by having you make more. money by requesting that clemency and. maybe whoever is it a judge that has to. go through it. >> I want to say it's the state. Maybe they.

see a 19-year-old was a. and she's been clean for 8 years and. that's who we can give second chances. to. I would be down for that. >> Yeah. >> How the are you going to live? Oh, well, wait. 520. Oh, 120 a month ON VAPES AS. WELL. SO, inhaling [ __ ] [ __ ]. Inhaling [ __ ] Now almost 25% of your. income. >> Uh, [screaming]. okay. Still better than drinking. still. But drinking all the the the alcohol. [ __ ] that you've done physicals are.

you're all good. Your livers and. everything's all. >> Yeah. Yeah. So far I have. >> You're lucky you did it when you were. young. >> I don't have health insurance and. haven't had like a check. >> What do you mean? You get on the. Affordable Care Act health exchanges. easily. >> For my job also, right? Because like my. job offers it. I should be using them or. >> you can use that as well. Yes, sure. Uh. okay. Uh. >> yeah, >> but I have seen you on r/ cuz that [ __ ]. when you're feeling bad, just go on r/. and it will.

>> I am on r/mi ugly though. >> Oh, >> I did one of those. >> That's what they say. >> Um. I don't know. Do you want to look? There's a whole bunch of stuff I had. I. had like 20,000. >> views. Yeah. >> When did you do it? >> Year ago. >> You'll bloop it. >> Um. Oh, you Okay. Hey, you should do an. update cuz you look a lot better now. Also, what the. >> Okay, I've lost 80 lbs. >> Yeah, you have. My goodness. >> And took out all of the uh facial.

>> Okay, I don't want to I'm not I'm I We. wouldn't want to say a lie, so I'm not. going to call you hot, but Oh my. goodness. You were desperately ugly a. year ago. Desperately ugly. Like, we. should have put you down. >> My My fianceé, man, he's been he's been. wonderful. >> He helped me. How ugly is he? >> He's not He's not actually. I'll show. you. I'll show you a picture. >> I'll take a little look, but I'm just. saying. >> he's not ugly. >> like at all. >> Like u I can only say this now because. you've improved. You've improved. So.

this is one of the ugliest people I've. ever seen in my life. >> And luckily you're not that anymore so I. can say it because it's because you've. improved which is really good. But this. is horrendous. >> I prided myself on those pictures too. cuz I was like they tell the best of and. the worst of me so that it's not like oh. she's filtering all of these pictures or. you know what I mean? >> This was really bad. >> Yeah. The comments kind of swear on it. No, the top comment is incredibly nice, saying you're a three out of 10. That is the nicest comment you could. have ever hoped for. Um,

>> somebody called me a swamp creature. What? >> Well, >> how was that nice? >> You would have I don't know, man. Drowning in student loans with massive. interest rates. I see it on the show all. the time. People get a loan to advance. their careers only to be left with. skyhigh interest rates and crazy. minimums that leave their paycheck. gutted. Maybe you've already gone to a. normal lender to try to refinance your. private student loans and they looked at. your less than perfect credit score and. hung up the phone. Maybe part of you. even thought, "Yeah, that tracks. I. guess I'm stuck. Stop it." You don't.

deserve to be buried in a highinterest. loan for the rest of your life because. you hit a rough patch. The banks aren't. rejecting you because you're a lost. cause. They're rejecting you because. you're not profitable enough for them at. a manageable rate. That's where Y refi. comes in. Why Refi works specifically. with borrowers who can't get refinancing. through traditional lenders. It's their. whole thing. They refinance private. student loans so you're only paying. interest between 0.1% and 5.99% and they. legally cannot charge you more than. that. They'll even customize your. payments to get you out of debt at a. pace that works for you. And if you need.

a co-borrower released from your loan, they've got a program for that, too. Plus, their team is in Phoenix, Arizona, so when you call them, you talk to a. real person. It only takes 3 minutes to. check your rates and it doesn't impact. your credit score. If you've been told. no a million times, try Yi. Head to. yrefi.com/hammer. That is y refy.com/hammer. or call8 yrefi78. That is 888 yrefi78. Break free from the highinterest trap. and get your finances under control once. and for all. You suck with money. So you. download a budgeting app. You start with.

the classic one, wab, but everyone just. deletes it because it's way too. complicated to use. So you go to every. dollar. That's Dave Ramsey, the personal. finance guy, right? Well, they're going. to force you to use it his way. That's. not very personal finances. Rocket. Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in. [music] the end. Then there's the new. guy on the block, Monarch. Hundreds of. millions of dollars of private equity. raising so far. But private equity. doesn't have the best track record when. it comes to private data. That's why I.

like Dollar. Built by these people just. like you, for people just like you. No. private equity, no gimmicks, just the. best budgeting app there is. Download it. now. Start the free trial. Wise.com link. in the description below. She's from. Florida. I'm guessing swampy for. >> Okay. So then you want to talk about me. Okay. How about we do this really quick? So a lot of times you were talking about. how you've lost 15 pounds here and. there. >> Last week. But I've been flat this year. Last year. Sorry. Not last week. Last. year. Yeah. >> Last year.

>> From the beginning of last year to the. end of last year. This year I've not. This year I've been flat. Haven't gained. but I haven't lost. >> What are you at now? >> Yeah. It's still that 215ish. >> Right around there. >> I was at 228. I'm at 150. >> Okay. Yeah. Can you. >> I already told you you improved. >> Can you do a push-up? >> Yeah. >> How many can you do at once? >> I can also look at my arms and not see. needle marks. What? What do you want. from me? >> Hey yo. >> Well, if you're going to come at me, says the methhead. Get away from me. >> Get the scale. >> You're not going to be able to fight. this guy. >> Get the scale. I want to see the 215. >> 215. Well, first of all, for what it's.

worth, yes, I [ __ ] I poop every day at. the same time. >> Regular. Wow. You even have a schedule. for that? >> That's what happens when you're not. backed up by opiates. Yes. >> Ooh. >> Yeah. Don't come at me. You're a broken. individual. >> It's just a back or something. >> I weigh when I do my weigh. I do it. first thing in the morning after I pee. >> and before I poop. But it's, you know, first thing in the morning so it's. consistent cuz if you do it like in the. middle of the day, it could be before. after a meal or your water could be, you.

know, so that's the only way to actually. track it properly as far as I know. Uh. you baiting people into calling you. ugly. Get therapy and try to find out. why. Well, you did. It worked. >> Yay. >> Okay. Everyone's calling you ugly. That. is true. Um, was. three out of 10. I can't believe people. are giving you a three out of 10. Sorry, but at best the four. Dude, they were so. nice. [snorts] These are the nicest people. that have ever been on Reddit. Maybe. that's cuz what everyone on Reddit looks. like. Honestly, I'm not sure. Well, I'm.

glad it was r/m I ugly, not r/m or r/. cuz those are very interesting. subreddits to look at. I will be honest. Okay. So, you beat people and you do. drugs while making $2,200 a month. Um, how the are you surviving on that when a. quarter of that income goes to inhaling. things? >> Okay. What are you Are you looking for a. specific comment? I don't care anymore. I've moved on. >> I just wanted to show you him. >> And we're sure. he doesn't do any of those drugs. >> Mhm. >> Yeah. I'm absolutely doesn't even drink.

>> Did he used to? >> No. No. He's been straight out like his. whole family like they're all. >> Okay. How the are you surviving? >> Um, so. >> cuz this math is not mathing. It's just. not What the are you doing? >> In 2018, I got. >> Oh, 2018. We're really going back. Okay. I'm asking how you're surviving. >> And I'm trying to tell you. I got a. three-bedroom, two bath house back in. 2018. >> What? >> Yeah. Yeah. It was a mortgage purchased.

WHAT WERE YOU MAKING? WHAT? What are you. making? >> My mortgage was $400 a month. No. It was stick built though, >> huh? >> It was stick built. >> Oh, what? >> Okay, so like it's got siding and. insulation and drywall, but it's not. like a brick house. >> Zimbabwe. What the are we talking about? >> Wait, wait. Okay. Drywall and like vinyl. >> What job did you have? >> I worked at Habitat for Humanity. >> That's a Habitat for Humanity house. Like 10 bucks an hour.

>> Okay. So, I guess did you get it? Okay. [laughter]. Did they get you on the payment plan? >> So, that's what it is. Ah, cuz I was. going to say who what bank would have. >> it's a housing program. So they own the. mortgage and they run it. >> Yeah. >> So it was like escro property taxes, home owners insurance. >> Listen, I would rather live in Miami. than Austin, but this is why the GDP per. capita in Florida is so much. substantially lower than in Texas. because they have stick houses. >> I think that's the term for it is stick. built. How else would it be if it's not. bro? >> I don't know what you're talking about. I really don't. But you moved in with.

your fiance after two dates. Yes. >> Yeah. That's how you can afford life cuz. he is probably paying for everything. >> He is. >> And what? So this isn't So. >> that's why I want to. >> You're going down a similar path just. without the H this time or the M which I. appreciate. But the thing is you got. right out of prison. Didn't want to live. with uh whoever the. >> jail is prison. It's different. >> Whatever. I don't give a [ __ ] Same. degenerate to me. The reality is you got. out. Didn't know what to do. So you. immediately moved in with a guy. That. guy controlled your life. You went down.

a drug route for that. You met this guy, went on two dates, moved in with him. You're continuing this pattern of you. find someone. You can't be singal signal. single. You can't be independent. You. have to have a man or a partner or. whatever the you have to have someone. And you immediately move in. You're. following the same You're following the. same pattern over and over again. Have. you ever married someone before? I bet. you would have at Yeah. >> Twice. >> You're on your third at 31. >> Third and final. Hopefully.

>> Yeah. Yeah. Third and final. Yeah. Really great pattern so far, huh? >> Said till death do his part, baby. >> No, >> THAT IS NOT WHAT HAS HAPPENED. HISTORICALLY. >> It is in my relationship now. >> Objectively, no. Third, third, third. Dude, two days and you moved in. What. the are you doing? Why do you have so. many ex- fiances or marriages? What have. happened? >> We're going on a year together so far. >> Going strong. A year. >> Yeah. >> Amazing. after one date and spent the.

night and I never left. Like, yeah, >> the dick was that good. Sorry, pause. >> Wasn't supposed to say that. >> It was wonderful. >> Cut that or don't. I don't know. Well, never mind. >> No, it was wonderful to meet someone who. absolutely like we just knew what we. wanted, you know? Like, he's been. married before. Like, he had situations. >> Oh my god. You guys are so good, but why. have you broken up with all these uh ex? >> They were abusive as like he doesn't put. his hands on me. He doesn't talk to me. like anything. He doesn't yell at me. No, nothing. >> Okay. Like going from being ma and.

having their hands put on me all the. time. >> He was a husband. >> Who was? Yes. >> Mer. But you're the one. >> He was an ex-husband. Yes. The mir. Mhm. >> Huh? The mir. Yeah. But you got domestic. battery charges against him twice. He. would say you're abusive and you were. out of your mind. You don't know what. you were doing. You said it's foggy. You. can't tell me. Okay. And the other one. The other husband. >> Wife. >> Mhm. Wife. Why don't Okay,

>> sure, why not? Let's add more to the. lore. Huh? >> We were married for 4 years. >> What the [ __ ] dude? How you don't have. this much life in you? We're the same. age. I haven't even done half the [ __ ]. you've even thought of. >> Back backtrack 6 years ago. What is that. putting? >> Okay. Yeah, but 40 years is crazy. Okay. >> What happened to the four years? >> Uh, she ended up in jail this time. around. >> EVERYONE IN YOUR LIFE IS JAIL. >> She put her hands on me. >> Okay, maybe we can't move to Florida. These people are crazy, man. These. people are crazy. The What are you? You.

Everglades creature? You're insane. So. why why why is she in prison? >> She's not. She's out now. But it was it. was a battery charge. She put her hands. on me. Did she actually bit my finger. actually? >> Okay. So like I was pushing her away. from me and like trying to grab my bag. to leave. >> Why were you all fighting in the first. place? >> It was my go-to to just head the hell. out. I would just go whenever there was. an argu I'd leave my own property. Like. I've been gone for weeks at a time. Be.

toxic. I'll be honest. >> Unless you're escaping a dangerous. situation. >> every single time. >> Dangerous? What do you mean? You You. said it only happened once. >> No, between her and I was we Yes. >> Oh, you were just beating each other. constantly. >> Yep. That was. >> Okay. So, you were hitting back, too. So, it's not just domestic abuse. You. were a domestic abuser twice. >> in two relationship with a baseball bat. >> Okay. And what did you do? What's the. worst she would say you did? Come on. What is it? >> Split her forehead open.

>> Yeah. After she cracked me with the bat, I split her forehead open. >> [ __ ] Florida, man. >> You can't hit somebody in the leg with a. bat and be like, "This is okay.". Like, >> you are so like you haven't been in jail. more times. >> I try and keep myself out of situations. like that. I'm going to be honest. [laughter] I really do. That's all you. did for a house. >> until literally the age 30. That's all. you did. >> I had to fight a man and woman couple. out of my house. >> You were fighting a lot of people. Yeah. Including your all your ex marriages.

>> Which is okay. Does this guy even know. what he's getting into? >> Absolutely. Absolutely. I've been. completely 100%. >> He's over there, right? I'll probably. bring him into the post show and. question him. Um. >> Yeah. Yeah. Po show. >> Yeah. Po show. Okay. You're excited for. the post show. Very. >> I am. Yeah. Yeah. Yeah. >> Okay. All right. Okay. So, you're a. stick house woman in the Everglades. cracking your ex's. >> skulls open.

Okay. So, again, the only reason you're. able to survive now is cuz you. immediately moved the man in or moved. in. Did you move in with the man or did. he move into your stick? >> No, I moved in with him. >> So, what's happening to the stick? You. still have the stick cuz I I saw a. mortgage on here. [ __ ] Okay. So stick. still exists, but stick isn't worth. much. It's a stick. What's your stick. worth? >> I have like 200,000. >> What the Your stick is worth 200,000? >> Yeah. >> Oh my god. It's okay. That is okay. >> Okay. What the Yeah, I'm going to need. to see a picture of this stick hut. The.

thing is. you immediately move in with all these. people. You are not learning your lesson. a lesson. I am glad there are no longer. drugs available, but you both blaze up. constantly, right? Does he smoke weed? >> No. >> So he enables this. >> Um we. personal. We agree and that is. >> what do you mean we agree? I yes, we all. agree it's better then, but you clearly. have a displaced addiction, >> right? [clears throat] So then that's. that's what it is. That's what we're. agreeing on that if. >> Are you ever going to try to get just. better in general, though? >> Displace it with better coping.

mechanisms outside of an addiction? >> I would absolutely love therapy. I need. to start going back into therapy. I've. done a couple sessions. >> You in therapy? >> Yeah, I wouldn't be able to afford it. >> Well, yeah, but there's like community. services and stuff. I don't know how. small your account is. Oh, I got the. stick. Let's take a look. It was like. >> I'm looking at the stick cut. It's happening. Stick cut's coming. Oh, okay. Yeah. Yeah. Yeah. Is this on. top of the like the that cheap stone. slab crap? Like I I Yeah, I get it. I.

know. Okay. I can I guess I can just see. the outside. Yeah. Um. >> I said three bedroom two bath is. impressive to fit in,000 square ft. >> Thank you. Um, that's what the starter. homes are that people used to have that. we don't have. And that's why that's. 200,000. Your starter home doesn't need. to be 2500 feet, everybody. >> Right. Um, >> I got it for 114. >> Yeah, exactly. That's what it's all. about. So, the again, the only reason. you're able to survive is cuz you've. moved in with him immediately. >> No, I was doing my own thing.

>> No. Yeah, but today I don't know how. you'd be able to survive today. Again, quarter a quarter of your income is just. going on inhaling [ __ ] All that while. you have unknown shopping of $924. Take that into your income and you're. you're absolutely all other large. purchases. We're talking 1,186. You have. nothing outside of that, man. You have. nothing outside of that. This is all So. you wouldn't be able to survive without. him. That is clear as day. That's as.

clear as day. >> I would. >> Oh, you're selling the steak hut. That. makes sense cuz your fiance moving into. the fiance house. Okay. Well, you. already did, I guess. Yes. >> Um, >> wait, but your ex destroyed it? >> Yes. So, five doors um were broken off. of their hinges, dislodged, split apart. Um, I have broken tiles. And. >> how many times have you gotten pregnant? >> I've once when I was 16. I I lost it. I. was like 7 weeks pregnant. And.

>> who impregnated you? >> Um, the boyfriend at the time. >> Who was? >> I was with him for like 3 years. >> Uh-huh. But what was your relation? We. never did anything past me getting um. incarcerated. Like whenever I got my. felony charge, he. >> Who was he to you? >> What do you mean? >> In your life? >> A boyfriend. >> How old was he? >> 18. >> I was 16. >> Okay. >> 18 or 19. >> Okay. So, just like a school thing. >> I I met him through a mutual friend. >> You haven't been pregnant since? >> I'm sorry. >> So, you have no kids? >> Mm-m. Thanks. >> I I don't think I can cuz after that,

>> figure that out because everyone who. says they can always end up being the. ones that get knocked up. Surprisingly, everyone who thinks they can't. Sorry. >> Yeah. >> Like actually get tested, actually get. looked at. Maybe you're a lower chance. I don't know. Um. >> we're not going to put money into that. >> My fiance, >> we don't really care about if we do. >> I mean, you can probably go to a. resource center. >> Oh, well. I don't know. I stay away from that. because I feel like the dollar amount's. going to be over more than what I can. afford. It's $50. >> Like the resource centers, there's.

places like I don't know if Planned. Parenthood does that. >> No. Unless you're on like Medicaid and. stuff. No, they'll help you against it, but not help you for it. Unless you. actually are pregnant for like. >> to check if you can get pregnant. >> I Yeah. Yeah. There's. >> I don't. >> I've never looked. >> Well, you've never looked. >> So, you can't tell me you can't. >> Yeah. >> Okay. So, who's going to sell a broken. who's going to buy a broken house? >> Somebody who wants to start a home just. like that. >> because like the bones is there. The. house is only seven years old. Eight. years old. No, seven cuz it's 2018. It. was a brand new build. So, all of the uh.

air conditioning, you know, the roof and. all that, it's 7 years old. So, like the. structure of it there for a long time. So, >> okay, listen. I mean, I'm just getting. information and everything like this. This is what concerns me. I just I want. you to really think about this. Again, you immediately moved in with him and. he's um I guess a little more extremist. politically. I don't even know which. way, but I'm being told he's completely. warped your worldview. I'm not sure how. So, that's what concerns me. It's almost. like you're getting completely warped by.

him, falling into his worldview, his. mindset. He controls the finances. Yes, I'm glad we're in a clean situation, but. with how quickly you marry and move in. with people and um I I don't know. I. don't know what what kind of. radicalization has he turned you into. >> I I don't really know what she's. anybody's being told. >> Yeah. Um, as far as like a political. >> Oh, I'm being told you've you've like. expressed like almost like like you want. to kill Democrats.

>> What? >> They don't need to be about feelings. It. needs to be about logistic logic. thinking. And the Democratic Party was a. lot about that when it came to. >> That's fine. I don't think we should be. doing like violence. Um, okay. Violence. just isn't good. You can have political. ideas that are different. >> Weed calms me down. >> Huh? >> Weed calms me down. >> Okay. So you want to kill, then you. smoke, and then you don't want to kill. anymore. >> Exactly. >> Well, that's not good. We probably. shouldn't allow people who want to who. would advocate for violence on the.

streets. >> There's a lot of political violence. happening right now. >> I'm not not in my area. It's quite. >> Well, no [ __ ] Who what the I don't. think I don't think the president lives. in your area. There's just another. shooting yesterday. >> He goes there. >> Okay. There was just a shooting. yesterday on the uh near the White. House. Like, oh my goodness. Do we need. more people like you? Like I can disagree with some politics. on the left. Sure. I don't think that. means we should get extremist.

>> No. Republican. Republican all the way. >> Okay, that's fine. Republican. >> I'm extremely forest. >> Well, that's good. Please do not ever. own a gun. I do would never trust you. with it. You twitch every 5 seconds. The. But again, I don't care if you're a Republican or. Democrat. Extremism is what's bad. And. if this guy is completely taking you to. an extremist position, almost a violent. position before you smoke weed, what are we doing? You move in with. these people, you change your entire. lives. They own you. They own you. And.

now he's completely warped you into. something a little like radical. Again, Republican, I don't care. That's not. bad. Democrat, that's not bad. I do not. care. We can agree. We can disagree. Doesn't matter. Those are policy things. That doesn't matter. Becoming an. extremist is scary. Becoming potentially. violent is scary. >> We're just gonna bunker down. You know. what I mean? [laughter]. >> And he's like warped you on that. Like. what what what. >> I want to do. I don't I don't know. I.

don't what happened there. I don't know. I'm being told he did. >> I don't know. I'm I'm a little confused. myself on that one. What? >> Something's being burnt. >> Yes, that's the bakery. >> They're constantly burning things. Do. you ever eat from them then? >> No, I I actually don't know why it. smells like burning cuz it's very. delicious. But yes, it that is the smell. that we get. Um, so. >> I don't want to feel like that that.

people control my life and my decisions. and. >> you move in with everyone immediately. and then give up your entire life, world. views, everything. 7 years I did it. I. did. >> You just did it now. >> Yeah. >> What do you mean? >> Because like I I feel like I was waiting. for him. Like everything in my life like. I feel like you're a year into this. thing. You're over the I've only been. dating my girlfriend for like a year and. four months. Of course everything's. happy. Who knows what it's going to be. in 5 years. Dude, you beat the [ __ ] out. of your last two marriages.

>> This one I couldn't do it too. He's he's. too much. >> Now you're a year in. You can still be a. later. Like, who knows? >> I would never. I would never. Like, he's accidentally bumped my nose. in the chat, made it bleed, and he felt. so bad about it. >> I'm just concerned for how you live, though. For how you immediately move in. with people and give up your whole life. >> You and me both. >> Yeah, you're in this. Yeah, you're in. this. So, I I. >> need to make more money. Like, I need to. get a better job. >> Why are you going to do that? You're not. even willing to see if you can get your. felony off.

>> Um because you're willing to put in the. work cuz it's paperwork. remote like. work from home work then. >> yeah if people can h if people would. hire you who's going to hire you who is. going to hire you because the options. are is you felony and someone without. why would they choose you I don't. understand it's just not worth the risk. of a hire it's just not. >> so how about I start my own business. then I've been doing THIS [laughter]. >> WHAT ARE you going to do. >> 3D printing. >> what are you going to 3D print besides a. gun and then go kill a politician you. disagree with. >> a lot of things a lot of things though.

seriously like. >> let's have some examples, lady. >> Okay, so I made a chess board that looks. like a castle. >> Okay, you know, >> no one makes chess boards. That is a. great market. >> That is a great market. >> And it unwraps and inside it are tears. where the chest pieces sit in. So it's. an entire Mhm. There's three of them. >> Oh, okay. >> Yeah. There's like a layer and then a. layer and then a layer and then you put. the, you know, pieces inside it. But. anyways, it wraps around the outside of. it and it's a giant castle. Like a rogue. a castle. Super cute. I've sold I made.

60 bucks off of it. I made one. It's 60. bucks. >> How much did the materials cost? >> Four bucks. >> Okay. I mean, it sounds like a cute side. hustle. >> I I made Yeah. Well, that's what I've. used it for. I want to get like a. business license and make it like, you. know, >> what do you for for what? I don't know. >> For taxes, for. >> No, I get it. I just don't think you're. going to Well, how are you able to scale. this adequately scale this? Put in the. time, do the marketing necessary? I.

mean, I was being sarcastic. Everyone. can buy chessboards everywhere. So, it's. just like that's what you're competing. with. I understand. I know you have. something cute going on. That's that's. fun. But how are you able to scale that. outside of like a small niche little. side hustle? >> It's been that thing where people. request from me. Well, people request it. from me. So, like I'll post something. that I made. >> How much have you made in how long? >> Um, so it's been about 2 years and I've. probably made my 1500 back. >> Okay. Yeah. No, let's get this felony. off and let's uh get a real job. Well, I. didn't want to go any further with it.

without having like tax stuff to go like. 100% into. I wasn't allowed to run a. business out of that house. >> It takes like five seconds online to. just escort. Like this is so easy. >> I understand that. But you cannot I. couldn't rent uh like I couldn't use. business out of that house. >> So then I would have had to like set up. my own storefront, you know, rent my own. building to be able to do any kind of. >> 3D print. I think you would just be. fine. Just just LLC yourself, dude. >> Yeah. Yeah. Make your [ __ ] It's fine. We all I did.

it. This is fine, man. I was And I was. making much more out of my house than. you. Well, so it's just like you'll be. okay. You'll be okay. I promise. >> I have to come up with [ __ ] do it to. get Spectrum. >> What? >> I have to come up with $1,900 to get. Spectrum. >> What do you mean? You live in Internet. >> Does he not have internet? >> It's It's Vioat. So it's. >> Why can't he do Spectrum? >> Because it's $1,900. They want to pay. They want us to pay that to line it. >> Well, yeah, that makes sense. Yeah. So, I have to come up with that before I can. even have. >> Why did you guys just live in CI.

civilization? >> Cuz that's not where he found his. property at. >> June 1st, I'm launching a Hammerly app. available on every major platform. Exclusive dedicated shows every single. day, Monday through Saturday. And to. celebrate the app launch, I'm offering. 30% off the annual plan [music] in the. month of June only. Plus, I have an. exclusive offer just for you, but. limited to the first 1,000 people to. purchase. For a onetime payment of $500, you'll get our entire Hammer Elite. catalog for life and a limited edition. Hammer for Life box packed with merch.

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not is actually getting a checking. account that gives you free money. Free. money. We like free money. You can get. up to $200 in bonus cash right now when. you sign up for the checking account. that I use. Chime. Also, it makes your. savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and. get free money at the same time. Who. would have thought? That's incredible. Check it out. Link in the description. below. Property is property. I don't. give a what the Everglades. Who cares?

It's I'm sorry again. I would rather. live in many Florida cities than Austin. But also, come on. Property in Florida. versus like an actual place. What? How? What's so good about his. property? It's the flattest thing ever. Doesn't even have internet. >> There's there's land for like. >> Starlink. It's Starlink. >> They need the required um securities. that lined work does. >> Starlink. >> No. Spectrum. A lot of. >> I said Starlink.

>> They require the extra security that the. lining the companies that you want to. apply for. >> Yes. >> Okay. >> Majority nine times out of 10 require. that for security for people's data. >> Okay. So, you guys are getting married. soon. Um, I I need to be able to get my. life fixed first. I need to have a. decent job. I need to do the. >> credit requirement. Did he put that down. or you put that down? >> No, he. >> That's fair. Good for him, actually. Having a pair of balls. Appreciate that. >> He's doing perfectly fine in life. >> Show me this property. You have. anything? Can I see it? >> Um, yeah. I have a picture. Um,

>> well, go into your documents here. side. of it. >> The special property that's. worth living in. >> versus society. >> and 21st century civilization. >> Wait, wait. Are we talking about like. where he lives with Oh, um I don't I. don't have pictures of that. >> It's It's mostly woods. Seriously, it's. like it's like five acres of just woods. >> What the is wrong with you? We're. obviously bleeping this, but. >> like I have like acres to do crop land.

and put Okay, what's the address? >> It's not even like that hyper rural. I. have no idea. >> It's not. That's what I'm saying. >> I have no idea how you guys do not have. there's major neighborhoods right near. you to come to the area. >> That's what the is like like five trees. So like I don't even understand. This. isn't even worth it. Okay, whatever. Oh. my gosh. What do you think your. financial score is? 0 to 10. zero. >> Yeah, fair. Maybe. I don't know. I.

assume. I mean, with your life, I It's. crazy. Okay, listen guys. If you want. your Hammer financial score, get it for. free. Take the assessment. Just takes a. few minutes at calehammer.com or click. that link below. And if you don't want. to be like a guest who ends up on the. show, make sure you download the. Dollarise budgeting app. It is the best, most simple budgeting app out there. You. don't need to be a financial nerd to use. it. Get those automated account. connections. See where your money is. going, how much you can spend, and how. do you get to your goals. take the free. trial and most people sign up for the. annual version after the free trial. because it saves a lot of money. You get.

the digital version of the cookbook and. you get my physical 30D 30-day detailed. meal plan that breaks down every meal. and snack and drink you can do to follow. a perfect $300 a month budget for a. person. I will sign this and I will mail. it directly to you. So, there you go. There you go. Okay. >> Does this have keto options in it? I I'm. I mean you can just. >> we're going to have to remove the carbs. every time. >> Remove some things that you need to and. I'll get you a course career. certification by the way because you.

certainly need some extra qualifications. to push you over the edge. Lots of. things in there from construction. project management to even the trades. HVAC and. >> I was thinking tech. >> tech things. There are some tech things. there. Lots of good things. Okay. >> So I'll do that. >> Thank you. >> Okay. What do I see here? This is this. is from your credit report. You have a. balance of $1,177. on something. I would say collections. I. I bet someone like you would have a lot. of collections. No, but this only. started last year. So, this wasn't even. in your drugfueled chaos part of life.

So, what the are you doing? >> Yeah, that was um. >> emergency emergency room. >> The um the emergency room was when I got. maed. >> But this is 2025. >> is when it went to collections at least. >> Yeah. Yeah. >> What? So, when was this? When was the. mace? Well, should have that fallen off. then? Is that seven years? >> No, it just hit collections last year. >> Mid last year. When was the mace? >> Uh, >> they probably didn't sell it to. collections yet at the time. They just. were just letting it sit there. >> 16.

>> Good. So, they sold it to collections 9. years later. Yeah, maybe. [snorts]. >> Why didn't you press charges on any of. these people? So, you could have, you. know, maybe gotten some extra support. >> Because if I would have called the. police. >> because you also beat the [ __ ] out of. them because they would arrested me. >> Because you're also probably the. aggressor half the time. Come on, let's. be honest. >> Come on, let's be honest. >> Don't put your hands on me. Just don't. put your hands on me. That's it. You. know, you don't have to fight me. >> I do agree with that. But you were. putting your hands on them as well. And. you were drugfueled. You don't even know. what happened. >> So what? Okay. What did they They just.

like washed your eyes and hair, right? >> Mhm. Had to check my eyes to make sure. there wasn't anything in him. And then. Yeah. A whole shower. Yeah. >> Okay. How many people went to the hospital. because of you? It's a very good question. >> Okay. So, why weren't you paying this. these medical bill that you could have. gone on a minimum monthly payment with. them. >> and that would have been very small like. 10 bucks a month even with them? >> I'm glad you're shaking your head. Yes. But I'm asking why. >> Yeah, they're all that way. Um,

>> so [clears throat] why? >> Because my grandma basically told me. like you just like um cut it all off, let them go to collections, and then. file bankruptcy. >> Why? Why bankruptcy? Do you have how. much debt do you have? Instead of what. are you ever going to try to get,000. >> 18,000 bankruptcy for $18,000 why you. make you you like yes you are lower. income especially with where your money. is going but even still you're in a. position where you could pay off that. 18,000 why your credit for so long. what's the point? >> Well and then when I met him that was. different it was file bankrupt Exactly.

been going on for 2 years. >> Well Huh. >> Yeah. My collections have been almost 2. years old. >> No not for this. It's been less than a. full year. Well, that's when it hit. >> Well, would it have gone into. collections yet if you followed his. advice and you called and got a on a. payment plan? >> Because I just started doing it 6 months. ago, paying attention to it all. >> Yeah. Trying to figure out collection. I. just sat down and had a financial. conversation with him 6 months ago. And. >> how'd that go? What happened? What are. these financial conversations like in.

this house? >> Well, I got through this whole cash app. where I borrowed money from them and. then when I got paid, I needed to pay. them back and then now I no longer had. money. So then I borrowed it again and. then I had some like uh pay it. >> Are you still doing that? >> No. No, I mean you're still doing that. >> It's um. when you need it. >> Okay, so you're lied to me. So off. You. can't tell me no. Shut the up. Yes, you. are. >> I'm I am trying to be smarter with. holding on to some of the money that. >> Okay. Well, don't borrow. >> Yeah. Yeah.

>> What do you mean? You don't even have. like the overhead bills. You don't even. have to pay for them. Your fiance does. What? Well, what are you struggling. with? >> Well, I mean, I still had to pay the. mortgage and the electric bill on the. property. >> Isn't your mortgage like $200, $400? >> Yeah. >> Dude, you spend more on weed. >> Well, literally spend more on. >> weed. It's not just spending it on weed. because now you have the weed, you have. the mortgage, you have food, you have. >> Yes. Even still, that's adding up to. maybe half your income so far.

What's the issue? Where's the rest of it going? Again, you. have unknown shopping stuff we couldn't. 100% tell. $924 and other large. purchases 1,186. That's not mortgage. >> I had to get a washer. >> Why did it have to be you? >> We put in on it. >> We both did. We went in a half on a. washer. >> How much did you have to put towards it? >> It was like 800. So, I paid 400 towards. it. >> We got a brand new washer. >> Well, that still doesn't add up to the. other $700 of large purchases. So, so.

the the weed's not going to show like. that because it's it's through they. require you to do like an ATM. withdrawal. So, that's what it's going. to be. >> Well, that's probably going to be in the. unknown, which doesn't even account for. the unknown. >> And then Walmart is one of them, too. >> Okay. And Walmart is. >> What do you mean? >> Walmart is. >> how much I spend. >> What do you get at Walmart? >> Groceries. >> Only only. Never [ __ ] Never. [ __ ] Come on. >> Seriously, >> I know how Walmart and Target works. You. always get a little [ __ ].

>> sometimes. There it is. Don't [ __ ]. me. We're not going to get through this. conversation if you're bullshitting me. >> I have to give myself some things. I. have to. >> I have to. What does this have to What. do you have to give yourself? Well, you. can't pay your debts and you're crying. about it. >> Shampoo, conditioner, body wash. >> [ __ ]. >> Well, then what what are you talking. about for [ __ ]. >> [ __ ] Things you don't need. I have. to get myself. >> We like I have to we. >> Yeah, I have to garden. You know, I have. to. >> You don't have to garden. >> I want to be self-sufficient with food. in Florida. >> What? What the [ __ ] What are you Oh, he's converted you to like an apocalypse. person. Oh [ __ ] that's what she meant.

>> No, I just the doomsday prepping is a is. a total thing. I want to be able to have. like 50% of my food be home grown. I'm. growing watermelons and and peas and. cucumbers and broccoli and. >> Wait, hold on. Watermelon and cucumber, we're talking like no caloric values. So. if we're trying to prep for something. that's actually providing like Sure. I I. I [laughter]. >> plums and peach trees. a little better.

Can you grow potatoes? >> I don't want to eat potatoes. >> Okay, but isn't it like the best. nutrientrich like dense thing you can. grow if it's doomsday prepping? >> Yeah, I I bet like wild mustard or. something is probably better for your. intake than the starches of potatoes. There's got to be plenty of other. things. >> Potatoes. No, you can like kind of fully. live off potatoes if you have to, though. >> Eggs. >> You can't grow chicken. >> Yeah, you totally can. Oh, well, no, but. I mean like on the property like. >> I guess. But that's okay. So, he's. converted you into a doomsday, buddy. Your doomsday is here. And also, no.

offense, Florida won't be here in a. doomsday. One little asteroid hits, Florida's gone. It's wiped out with one. wave. >> Yeah. Imagine all those hurricanes. Yeah. We deal with hurricanes really. bad. >> Uh-huh. Well, I mean, kind of. Yeah, but. you're very inland, so you're not. getting storm surge and all that. You're. just getting torrential rainfall. But. even still, what he's converted your doomsday is. here. >> with. >> You're a lunatic. You went from to. doomsday prepping. >> cuz I saw what's worse out there. >> Huh? >> So I'm like I just want to stay inside. I want to get a remote job.

>> You saw what? No. You saw what? >> What's bad out there? >> What's bad out there? >> Um the drugs and violence. >> Go to the drugs and violence, weirdo. >> So I'm going to stay. >> No, [laughter] you go other places. >> Like what? I don't want to go anywhere. >> Huh? >> I don't want to go anywhere. >> Okay, that's okay if you don't want to. go anywhere, but that doesn't mean. everywhere's drugs and violence. >> And yeah, >> girl, you ain't therapy. You're an. actual dude in day prepper. This is. crazy. >> trying to be. >> That's expensive. That's That is. expensive when you are just trying to.

survive. >> and you can't even survive. You're. crazy. >> You're a crazy. Is he a doomsday prepper? >> It is a plan in the works. It hasn't It. hasn't happened, but it's a plan. >> What plan? You guys are in Florida. You're not going to survive a doomsday. You just won't. It would have to be like. an above ground doomsday, like a zombie. apocalypse, which is I mean that's like. >> that's like science fiction [ __ ] So. like any doomsday that's like real would. Florida would be gone in 5 seconds. >> Not out of a shipping container. Like a.

conx. >> Huh? >> You know a shipping container. A conx. >> What do you mean? But yeah, but Florida. would be flooded in like every doomsday. scenario. >> I don't know. >> what. >> I don't know. >> What do you mean you don't need? >> So So if it doesn't wipe me away now I. have a seller I can go down into. >> You have that? >> I need a I need one. Yeah. Yeah. Yeah. It's a place. >> So you guys are trying to buy that? How. much is that? >> They're like 2500. >> You buddy. You like 53 foot. >> a $400 half of a dryer is destroying. your month.

>> How the are you doing a $2,500. bro? You're insane. >> You're a crazy Florida woman. >> That's why I didn't make my money. And. I've. >> What are you trying to prep for? What do. you think is actually going to happen? People aren't going to show up with. drugs to your house. No, I said people are not going to. [laughter]. >> I don't. >> What are you prepping for. >> people to like paratroop down into the. area? You know, like you don't know. who's central Florida. >> You don't know who's going to try. anywhere. And I feel like Florida's.

going to be It's going to be on the. coastline if. >> Well, it is on the coastline. >> Exactly. If somebody comes in and tries. to, you know, take over a certain. >> They know for like the capital or New. York or. >> is that months into all of it happening? >> What? Didn't you know at that point? Okay. So, you think someone's going to. invade the United States? That's what. you guys are prepping for. >> Yeah. >> Who was going to invade the United. States, which would be like the worst. mistake any country could ever make, by. the way. NA. Sure. I get that. But. >> so, it's prep for that kind of stuff to.

make like your own jams. >> It means you're kind of if you want to. do that for fun. Yeah. But if you're. prepping for an invasion, >> so maybe that's where we both come into. play because I'll do the gardening and. he can do the prepping portion. >> If you're spending money towards this. prepping instead of actually getting out. of your debt and living a better life, then you're. >> you're actually I'm sorry. It's okay to. be ready for some hurricanes. preparedness. I absolutely get that in. your situation. >> We need a generator and. >> that's fine. That's not that's.

reasonable. I um. uh make sure that we're good for like. the winter storm [ __ ] here. That's what. shuts Texas down when a winter storm. hits. That's the reasonable that [ __ ]. happens. You're prepping for a foreign. invader. That's batshit insane. Cuz any country. would have to be batshit insane to. invade the United States. We're in like. the best geographical position for home. defense. So this makes no sense. We're.

not Taiwan. We're not Ukraine. What the? You guys are putting money, effort, energy into this when you could be. making more money and putting it to. proper places. And then I'm also being told you're. saving up to buy a model X. First of. all, they don't make those anymore. And. second of all, that's not going to be. great with Doomsday. >> Um, so the whole generator thing, right? So like I'd be able to charge it with. the generator in the house. So that. generator is. >> better than gas. I feel like. >> is it a generator gas powered though?

Wouldn't you you could use that gas and. put it in a gas car. >> Yes and no. Because it's only a couple. gallons versus 13 gallons. >> Okay. A couple of gallons of generator. Couple gallons of generator. How much. Tesla Model X would that charge? >> Those things get like 827,000 km. People. are in like high mileage clubs. >> What are you talking about? Model I have. a Model X. >> Yeah. So they just they run forever. >> What? On one charge? >> No, I'm talking about like the life of. the vehicle. So like I'd have that. vehicle for like. >> 800 km. >> 827,000 km. It's a high mile.

>> Have they all been post Have they all. been pushed that far yet since they. haven't been around long enough? >> Who claimed 555,000 on theirs? >> I'm so confused. Okay. I don't. understand. I don't think that's going. to vibe very well with a foreign. invasion. >> You think gas is going to be better than. the electric? >> Uh I think everyone will fight over. that. I guess if you're able to you. guys, but I don't know if you'll be off. grid enough. You guys live next to other. people. You're going to get obliterated. But even still,

>> Model X's aren't being made anymore. >> Why does it have to be afford one. anyways? >> No [ __ ] you can't. >> And they're not being made. >> Yeah, that's that's how I could afford. one. >> Why do you need a Model X? >> Because I like the SUV. It's going to. have longer range and I want to have I. don't know. >> No, get a Y. >> You haven't looked too far into the. >> That's the SUV. >> Well, then that's what it was then. Maybe. >> Well, Model X is the SUV, too. This is. the premium version, but they don't make. it anymore. >> Well, I mean, it would be a used one. with like 130,000 miles on it for 13.

grand. >> Girl, >> there's plenty of them like that. >> 25% of your income goes to weed. and you're going to get a Tesla. What. are you talking about? And you're a. doomsday prepper. You're a. >> Glad you're sober freak. >> I have big goals. >> But your goals are doomsday prepping. >> Big. I'm not even sitting there saying. that. like, oh, you know, I want to make. over 100,000 a year. I don't even care. I just want to make 60 grand a year. Maybe that'd be great. >> Yeah, that's the goal. And that's why. we're getting you that certification, by.

the way. Yes, I do agree. And listen, I. mean, bankruptcy is a play. Um, if you. change your behavior, I don't think you. nec what I would advise more than that. is like a debt consolidation or like a. personal loan, something like that, so. that you could get on a lower payment. plan for all these things or just. negotiate the payment plans to the. hospital instead of bankruptcy cuz you. don't need a your credit for just a, you. know, like just over $10,000 in debt. Like, you really do not. Bankruptcy I'm. okay with. I've given bankruptcy as an. option many times on the show notes. So, don't think I'm anti. But I mean, even.

on caleb.com, we even have uh uh. personal loan options now that you can. apply and get low rates on that could. have consolidated all this only after. changing behavior for what it's worth. Again, we've seen it. The same goes for. bankruptcy. You have to change behavior. before you do any of that. >> Give me it. >> Huh? >> They wouldn't give me it. >> Did you apply on caleb.com? >> No, I mean like a debt consolidation. So, I tried. >> Well, there you go. You would apply at. caleb.com, but again, only after changing behavior. I'm vehemently against it if you. haven't. So, we have great rates on. kalemer.com for personal loans, but um.

debt to father, the father who will. never let you live with him, right? >> Why why wouldn't he let you live with. them? >> Well, my my dad has um his stepdaughter. and. my brother and her uh and his wife. >> That's why he wouldn't let you live with. him. >> Yeah, there's a lot of people on his. unfair. >> property. Every time you guys say. property, it's like five trees, but. okay. Well, it's 5 acres also. It's a. mini farm. Yeah,

>> mini farm. Yeah, >> that's what they call it. Yeah, they're. 5 acre plots. >> Okay. Ruler. >> Why do you owe him 1300? >> Um, it's it's just been slowly trickling. over time. Uh, he helped me pay um I. don't know, my my car insurance. Um, it. was uh $400 to renew it. >> Oh, for sake. >> Um, he paid for my divorce. Uh, >> sake. Which one? Which one that you. beat? >> Um, there was the second one. I didn't. pay for the first. He divorced me. The. second one I divorced her. So help with. that. He also helped me with.

>> your grandma told you you're a piece of. [ __ ] because you haven't even made a $20. payment to him. Yeah. Why haven't you. correct money going to weed instead of. paying back your father that supported. you? It's kind of gross. I'll be honest. Kind of gross. >> Yeah. >> Yeah. I would say yeah. The is wrong with you? I think your. grandma's right calling you a piece of. [ __ ] in that because you used the part. of that money to go get a tattoo from. your dad and yet you won't even pay him. back. Yeah, grandma's right. I like. grandma. Grandma's smart. Grandma has.

called you out correctly. She got you. clean. That's good. She's calling you a. piece of [ __ ] cuz you are. The what? What the is wrong with you? You used a. part of that money to go get a tattoo. Where even is Oh yeah, you got them all. even all over your hands. I bet you're. even someone that pulls out of 401ks and. [ __ ] like that if you ever get one in. the future. Absolutely. I actually did. >> Oh, you've already done that. You've had. a 401k. You invested in it. >> I had like five grand in it. >> All of a 401k. >> All of it. All. >> How much was that? And when? >> 5,000.

>> The [clears throat] you were able. >> Oh, and then there's also like a 2,500. like uh stock profit share that I had. too with them that I cashed out to. >> This was all of that in 2023. 2022. >> Why? >> Um actually, I think it was more like. 2023. I hated my job. >> I I clocked out one day. I had no plan. whatsoever and I was just like, I I. don't care. I was doing four people's. jobs and they weren't paying me as such. And. >> why did you pull out of your retirement. >> to live on? Because it's unemployment. took really long to do.

>> Yeah. I ended up getting it, but it it. took really long. I needed more money. quicker. That's why I needed to set up a. plan and I didn't. Yeah. And then I still never set up one now. I. really should. >> Did you claim hardship? >> What does that mean? Did you claim. hardship against your retirement. accounts by chance? >> No. >> Well, then again, yeah, unemployment may. have been hard for you cuz you left the. job. You weren't [ __ ]. >> Actually, that wasn't an issue. The. issue was my felony for them accepting. the fact that I could be on unemployment.

or be employable. I Yeah, the felony is. what took a little while. I had to call. them back and had to have them, you. know, like reook into it. But no, it was. um my supervisor actually ended up. getting suspended for a week for. snatching paperwork out of my hands and. disrespecting me very much. Her there. was a situation that she had at home. that she brought in and then she yelled. at me in front of multiple employees. >> Well, you were also at the time door. dashing $400 a month on alcohol.

>> Yes, that was Yeah. >> Well, yeah. I don't think you would have. been able to claim hardship on that. It's usually for like food and uh like. bills, like mortgages and whatnot. So. yeah, I mean it makes sense. You would. have got your 10% penalty. You would. have got your taxes on top of it. All while Door Dashing $400 a month on. alcohol. Good death. Good death, woman. Okay. Well, even better yet. Apparently, you're borrowing money from your current.

fiance, the one who won't marry you. until you get your finances in order. Why do you why why do you owe him. $2,000? >> Um. >> why would he even do that? >> Well, um I I have a I have a cat and um. he ended up having a eye infection and I. didn't have pet insurance, so he took. care of that for me and um I I should be. giving him more money towards bills for. the house to kind of like alleviate that. from him. >> Should be, are you? You're not giving. your dad any. You're just spending $400. a month on weed.

>> Yeah. So, I haven't yet though started. I'd like to be able to. So that's. another thing that. we're. >> we haven't started. I'd like to be able. to. We're talking about it. So basically. anything but I'm doing. >> Great. Yeah. The people who think about. it want to and talk about it. Yes, you. can. There is some [ __ ] in there. A. lot of [ __ ] actually. Yes, you can. Um plus again the vapes and weed. Shut. the [ __ ] up. Yes, you can. Shut up. Even. just cut it by like 25% and you can. start making payments.

But everyone that talks about it wants. to do it. ever does it cuz they don't. They talk. They think they want to. That's you. Why did you just get on a. minimum monthly payment with them? >> Because there's not much sitting there. at the end of the month anyway. >> Because you spend your money, you. >> So I I got pushed into when I first. started working at my warehouse. >> Oh, you said you don't do this cash app. thing anymore. And here it is the next. step and you're purchasing on it. The is. wrong with you? Come on. What are we. doing? Starbucks is [ __ ] and a waste. of money. And you already know that by.

making your coffee at home and investing. the rest. So now you need to do that. with your energy drink as well. MAKE. GAMER SUBS AT HOME FOR just 40 cents a. serving. And honestly, it literally. tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. >> The number one ranked energy drink is. game. >> Literally, the cherry flavor is insane. Listen, you can also get free samples to. see if you like it or 10% off your order.

at gamersubs.gg. or click that link in the description. below. Type in code Caleb. Stop bleeding. out money making minimum payments across. multiple highinterest accounts. Most. Americans are spending hundreds, sometimes thousands of dollars that. could be going toward actually paying. down debt instead of lining some bank's. pockets. And look, if you're sitting on. high interest credit card debt, a car. loan at 18% or oh my goodness, a payday. loan charging you tripledigit interest.

rates, you need to hear this. If you've. already cut up the cards and built. better financial habits, but you're. still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a. personal loan marketplace that lets you. get personalized offers from multiple. lenders in one place. You can see if you. pre-qualify in minutes and it won't. impact your credit score. But here's the. deal. This isn't a magic bullet. If you. refinance your debt but keep swiping,

you're just making the problem worse. You still need to fix the behavior that. screwed you in the first place. But if. you're serious about getting out of debt. faster, you could potentially lower your. monthly payment by securing a single. payment at a much better rate. Check out. the link in the description below to see. your personalized offers or go to. caleb.com. And remember, you still got. to do the work. Yes, you absolutely do. You dude, you dick. You dick. You're. putting money on your cash app, withdrawing, doing stupid.

And obviously, you just have to pay it. You can only withdraw and spend what you. put towards it. So, it's not like you. owe minimum monthly payment. This is. lending taking from you're not using in. any way. But look at this. This is. Classy Nails and Spy. Classy Nails and. Spa. Uh, >> I'm not giving that up. Smoke shot. There you go. See, there it is. There's. the selfish behavior. You're a. >> I can't live like that. >> Yes, you can. Yes, you can. Yes, you. can. >> I can't go back to being ugly. I got to. stay pretty and have my nails done. >> That's not going to natural. They're all.

gross. >> That's not going to Then do unnatural. Learn how to do it. You Here's the. thing. I have tried you. >> I'm not very good. >> You owe your dad and fiance money. You're not even putting $20 to them. Your grandma was correct that you're a. because you are choosing to do your. custom nails. Not cheap. 30 23 $200. there. $32 there. Let's keep Let's keep. going cuz there's more nails. $32 there.

$114 there. Yeah. You You're a Couldn't. do $20 towards a fiance or father, but. you're choosing nails. You say you don't. spend money. Yes, you do. You're a. No, you're not a. >> I need it. You're not, but you are. >> I I really need my nails done, though. Like, it does suck. >> Not this much. Again, EVEN IF YOU CUT. 25%, you could give some money to your. fiance and father. You're just selfish. You're just selfish. >> I cut my own hair. >> No, you're just selfish. We can tell. You're just selfish. I'm kidding. It.

looks fine. But you're just selfish, dude. Learn how to do your nails. Do. some tape on nails and it just didn't. work. It It looked horrible. >> You have to learn. That's what learning. is. And like I'm I'm not left-handed. So. like it looks like a three-year-old did. my nails on my right hand. >> Make him teach. Learn. Make him learn. and he can do it. >> There you go. I'll ask him to do it. >> Okay. You can. You're spending hundreds. on this nail [ __ ] a month. It's. disgusting and selfish and behavior.

Well, you owe your father and you're not. paying him. Well, you owe your fiance. Well, not paying him. You got kicked out. of a nail salon last week for being too. picky. Well, you're spending hundreds of. dollars. That's fair. You're a [ __ ]. You're insane. You're crazy. >> Whatever. She did a horrible job. >> You're crazy. You're a crazy. >> I looked at her and I was like, "No, they don't look right at all. This one's. crooked. That one needs to be She handed. me the nail file and was like, "Here, do. you want to do it?" I said, "Ma'am, that's your job. What am I paying you. for then? >> You can't tell me you have no money left. at the end of the month when you're.

doing this [ __ ] You're So, you're. spending money on uh uh teeu constantly. going into Dollar Tree smoking tobacco. Smoking tobacco. Smoking tobacco. Smoking tobacco. >> Smoking tobacco. Dollar Tree. What are you stopping in and getting. some [ __ ] What are you stopping in. and getting for like three bucks? >> Energy drinks. >> Here you go. Change your life. Here you. go. Energy drink. Gamers up. This tube. right here is 40 cents a serving with my. 10% off discount code which is Caleb or.

just use the link below. These are. energy drinks. They taste better than. any energy drink you're getting. This is. called Gamer Subs by the way. You can. get free samples to figure out what. flavor you like. Yes, they have Goon. names and stuff. It's cuz it's partnered. with creators, but I swear it tastes. better than anything you have. Uh it is. zero calories. It is absolutely. delicious. It is um I think it's like. 100 100 milligrams of. uh caffeine per serving each serving. 40. cent. So, make your energy drinks at. home just like you make your coffee at. home. Get your free samples to figure. out what flavor you like. Link in the.

description below and then order your. flavor. So, you're getting energy. drinks. You're getting endless amounts. of vape and [ __ ] And you're doing. your nails and you're saying you have no. money and you can't even pay him $20. Yeah, you're selfish. You are a you are. a That is correct. Your grandma was. proven right. Go yourself. You cannot. play the victim card. I was proud of you. for the things you have done and getting. clean, but now mm- your h or fiance. never future husband cuz you'll never. get your [ __ ] together cuz yourself is. now takes care of all the overhead.

>> My family so happy for me though. They. don't question it much. They're so happy. for me. >> Your grandma does and fiance should and. I will I will talk about it in the post. show with him because you are a spoiled. Oh, wait. But there's more. Teimu. [ __ ] Smoke. Smoke. More nails. This. is the same month. $32 there. Smoke. Smoke. Energy drinks. Energy drinks. Smoke. Nails. $32. Go yourself. Shut the.

[ __ ] up. >> Smoke. Smoke. Huh? >> And my face wax. My eyebrows and stuff. >> Yeah. You're going to need a lot of that. [ __ ] With as much as you are consuming. smokewise, you are going to age like. death. You're going to age like death. Do you wear sunscreen every day? >> No. want to go out in the sun. >> In Florida, >> you garden. >> I mean, it's a couple hours like it. takes to do something. >> Oh, she's she's she dude in the Florida. sun smoking all this [ __ ] You are going. to look 80 at 40. >> Like a leather Gucci bag.

[laughter]. >> Uh-huh. Trust me, it won't be worth [ __ ]. >> Yeah. Melanoma. Melanoma. >> Cool. >> Melanin. >> Oh, lots of fees, by the way. $122 last. month on that alone. >> Yeah. Yeah. The the borrow going back. and then I think it's like $40 every. time that I. >> So, here's the mortgage. Your stick. house. >> What was that sound? What did you just. do to me? >> I was laughing laughing under my path.

there. >> $86,46620. How'd you and your fiance meet? >> Hinge, >> bro. Okay. Yeah, that's rough. Well, deferred. impact fees. 2416. >> First time he called me darling just to. talk to me and it was just well it was. great. We went to Chili's. It was just. great and we sat there and we talked for. hours. >> You have multiple mortgages on here, don't you? >> No. So, there's different loans. So, there's like um first home buyer loan.

There's like a Habitat owns a. >> What's your minimum payment on all of. it? >> It's 400. That's escrowed everything. >> Okay. $400. And you're trying to sell. it? >> Yes. Oh, it's an escrow. >> Yes. >> Well, that would be nice to get that 400. off. >> and I would end up giving it to him. almost. You know what I mean? And. helping out with the. >> to nails or to selfish behavior cuz you. Okay. You owe $225 to secured loan never. late. I don't know what this is. It's a. $25 minimum monthly payment. Oh, one. pay. >> Yeah. Yeah. That's credit builder thing.

that I Oh, >> set up. Okay. Okay. Yeah. But you. probably got a monthly fee and all this. [ __ ] in there. Okay. So, $225, $25. monthly payment. Okay. What's your credit at? >> Uh 546. >> Okay. You're going to need a lot more. credit builder than that. Okay. What is. this? This is a credit card. Okay. Here. it goes. You just see this just started. last year going under. So, this is this.

is what is you. This is what is. absolutely diddling your $424 and you've. allowed it to go to collections. Why? It's pathetic. It's stupid. What is. wrong with you? >> Uh, >> $424 to the First National Bank. >> No, no, no. They gave me a credit card. and then I I used it. >> Yeah, the limo's 350. You let it go. away. You're laughing at that. Pathetic. No [ __ ] Your credit score is in the. 500s. Then you're going to go through. bankruptcy, make it even worse for.

almost a decade of your life. >> Doesn't it actually get better? Like. I've heard people get like really good. car loans and everything after they find. >> good car loans. Good car loans to you is. going to be like an interest rate in. 20%. You're going to consider that a. good car loan? >> I got one for 6%. >> When. >> um 5 years ago? >> Yes. Before you allowed it all to go to. collections. >> 15 credit score. >> and you now you have 550. >> and also that's when interest rates were. literally like zero at the time by the.

way. >> Oh. >> yeah. Yeah, you'd be at minimum if you. had the same score 12 now. >> That's why I want to buy a vehicle. outright and not have payments. I have a. vehicle. Yeah, it's. >> with payments. >> I I'm almost done with it. I have like. $700 left on it. It was a $15,000. >> $700 left on it, but you can't even pay. $420. You can't even pay $250. >> Well, because that's I got to pay for my. car. >> Well, this one's in collections, too. >> Amenity. >> You need it. >> Yeah. Just make your payments and don't. run your car outlet. Huh?

>> Bell's Outlet is what that was. >> Oh, I never heard of it. >> Store card. It's like a a Bills. It's a. clothing store, but it's not as nice as. you're $200 over the limit. You didn't. pay it cuz you're pathetic. >> Interesting. >> More humidity. This one's a little higher. Again, 2,000. above the limit, but $1,15. You couldn't just pay a single minimum. monthly payment, could you? >> No. The minimum payments got up to like. $600 a month. to secret.

>> like yeah my um my um my ex and I she. ended up getting a DUI um towards the. end of our relationship and she lost her. own vehicle and she lost her job and. then. >> oh my god. >> I was trying to help her like figure out. >> the freak you went from drug drug addict. to domestic abuse to doomsday prepping. wanting to shoot politicians do you. understand how you get captured by these. people cuz you allow I don't there has. to be a psychological I don't have it I. am not that person I don't have that. experience. >> trying to fit into a crowd.

>> No, you immediately latch yourself onto. someone after one date, move in, get. fiance, your entire life is dependent on. them, and you aren't trapped if anything. bad would have happened now. It's weird, man. It is actually weird. And it's it's. bad for the rest of your life. >> Bad. I mean, I I feel great about it. Like, I I feel good every day. >> I know you do cuz you feel better. >> You feel better when you immediately. just latch yourself onto someone, but it. is not good. You have no real identity. You're nothing. You get sucked into.

whatever extreme thing they're in. Drugs. to fighting and hitting each other to. jail to now literally potentially. violence and uh doomsday prepping. It's. crazy. You're insane. >> Just trying to live. Just trying to do. everything that I can when I can. You. know, >> I guess maybe in other collections you. chase card. Okay, that's $1,25. Yeah. Chameleon dating, I'm being told.

>> Yeah. They didn't give me very big. balances for each one of them. >> Yeah. [clears throat]. >> Yep. 3,300. 15, which by the way was 3,000, but. you're 315 over it. >> Yeah. I needed car repairs. Um, it top engine rebuild and new tires. And. >> what? After you crashed in on meth. >> I had a deer run into my car. It's. pretty busted. >> Was the deer actually real or was it a. pole and up? Mhm. That was a real deal. I was on the phone. >> Another Sun Coast. My gosh.

>> Yeah, that was um Dick. >> Oh, this one is $5,143. You're laughing at that? No. It's. pathetic. This is disgusting. What's. wrong with you? No one should ever lend. to you again. You're not worth lending. to. >> Well, because they're so old. They're. offering They're not that old amounts. >> Yeah, they're offering They're offering. me. Yeah, absolutely. And you should. probably take it. >> Yeah. I got to. >> Why let it sit there for so many years? because I got to figure out like which. ones are going to be the small ones, which ones are going to be able to take. >> Well, it's the ones with the small. numbers, by the way. But even still,

with your $500 a month going to. uh oh well, 550 going to weed and vaping. and then another 400 going to nails. Go. yourself, pay off your debt, you freak. Improve your life. Do something with. your life. It's disgusting. So, Ellen, LVNV, >> I really. think it's over. until you need to leave him for whatever. reason. Cuz every situation's been your. tune situation until it wasn't because. welcome to people like you. >> That's what my grandma told me. >> Yes. Almost like she's seen your entire.

life and we've seen people's like lives. like you. We know you that you're not a. unique individual. Come on, buddy. >> I didn't think I was. >> You know where you're head. We know. where you're headed. This isn't going to. turn out right. >> I could have died that day in one of. those drug houses. You know, >> yo, you were in drug houses, >> you know. >> I guess I should have asked that instead. of the tent. Yeah. What were you doing. in the drug houses? >> Yeah. >> No. What were you doing? >> Hanging out. I mean, if you take your. drugs and then like you just hang out. cuz everyone's so high you can't leave. yet. >> Are they everywhere? >> I mean, at the time where I was, no, it.

was just a couple people that I hung out. with. And like I mean, there was an RV. in like the ghetto. Oh, it was in the. trailer parks. Oh, that makes sense. >> Oh, no. No. It was an It was an RV on. their property that they were renting, but. >> Oh, so it was like a shitty in the. middle of Okay. I just want to make sure. it's not in like normal neighborhoods. with us good people. Huh? >> It's going to be okay. They're hidden. amongst They're usually hoarders. anyways. >> They should. Mhm. >> Yeah. I mean, the freaks. You know what? So, what you'd show up, >> you'd go there. >> Yeah.

>> And you would inject yourself. >> chill out. Mhm. >> And then do what? >> Leave. >> Okay. They didn't There wasn't like. weird stuff like, you know, >> weird [ __ ] I I wasn't I wasn't involved. necessarily in what people were trying. to do like if they're trying to bag up. things or they're trying to you know any. kind of like drug house where people are. working on that. I didn't. >> Yeah. But isn't everyone like just like. unconsensually sometimes. >> in these drug houses when people are. like passing out? I don't know. I've. never been there. >> that I ever did. I was I was in a pretty.

safe environment for that kind of thing. No is a little different. you do that at. someone's house and beat up, you know, but like if you're going to do the other. one and the downer, you need to be. someplace that people trust. And I've. never had that. Never laid on my back. for any of it or nothing like that, you. know? So, that was always a thing. >> How did you always pay for this [ __ ]. >> Um, friends trying to make side hustles, you. know, but worked at McDonald's for a. little bit. I was taking care of this. guy that like he was retired um Navy and.

I was uh he was retired Air Force. >> Did you ever steal [ __ ] Prostitution. >> I'm not. No, >> that's good. That's good. >> No, because that. >> Thank you. Thank you. I mean, the person. that I was with would give me it and it. was, you know what I mean? It's kind of. like that mutual thing, but it's not. like, you know, yeah, I'll do it for a. gram. No. >> God, I'm glad you're clean. This is. scary life. >> Yes. I I didn't I didn't know. I mean, I've woke up in a drug house before that. someone had told me like, "I don't even. know why the [ __ ] you're here. Get out.". Like, the guy's girlfriend came home and.

was like, "Who the hell are you? Get off. of my sofa. Get out of here." Yeah. >> Okay, that's weird. How'd you find them? How'd you find this house? >> It's always those people that you know. from, you know, and then you've been. like hanging out with them already and. you know, >> I honestly don't. >> This person knows this person. So, now. you're hanging out with them because, oh, you met them and Yeah. Yeah. I mean, your grandma's literally afraid right. now about you selling your house because. she's afraid you're losing your way. You're getting sucked in once again. Something's going to go bad and you're.

going to have nowhere to go. >> Yeah. >> And your grandma's seen you. She's seen. your life. That's worth taking into. consideration. >> Yeah. >> Feels like you're never going to own a. home again, which honestly is fair in. your income situation. Good. [ __ ] You. couldn't buy the house you're selling. now, >> right? I I know I wouldn't be able to. >> Oh, okay. Okay, I think you're headed. down an angel's path and you don't. really see it, but you're just so. excited about it and you're locked in. cuz this is what you've always done. We. have a credit one collections 637.

1,224. is another credit one collections no. synchry. [snorts]. Yeah, I mean just negotiate these take. the small balances but you actually have. to put the money towards that instead of. nails and vaping and weed and stuff. Another synchrony. 1,088 in collections. Yeah, you borrowed a lot of cards. Another uh auto loan. Okay, this one's. alive. >> Yes. >> Yeah, this is the one that you own owe.

720. >> There you go. Yeah, >> cool. That'll be paid off in a few. months with a minimum payment of $258. >> Yeah. And $ 260. Yeah. Yeah. >> 258. >> That's the payment that I would make. It's 260. Okay. Made all the difference. It's worth sadly only 2,300 bucks. What. the is this car? It's worth nothing. >> Yeah, it's um it's a 2010 Honda Accord. twodoor. >> How's it doing? >> Um 197,000 mi. I've had it for 100,000.

itself. Um. >> How's it doing? >> I I wouldn't trust it to drive it here. >> Well, I'm concerned your financial. position with this car. Yeah, I could. probably for $1,500. >> What are you gonna do if you this. breaks? >> So hopefully I'm going to be able to put. the payment that I was making and. continue to pay it. >> How far is work from you? >> 15 minutes up the road. >> Okay. Electric bike maybe. >> I was thinking about a motorcycle. I'm. not going to lie. >> Electric bike preferably, but.

>> Okay. >> Or a cheap motorcycle. I don't know. >> Yeah, like a grand. >> Okay. I I would be okay with that cuz if. you're not leaving your house, you're. only going to work, then. >> you're doing that cuz you can't you a. car loan would you right now and your. credit's so bad. >> Yeah, I wouldn't be able to really. qualify. >> No. Okay. You have $67 in your checking. account. That's. >> Yeah, I have a lot of things. >> A lot of selling, a lot of moving. things. Robin Hood, Amazon. What are we. doing? Amazon. So much of this daily pay. stuff. >> Yeah, daily pay at.

>> zel. Cash app. Cash app. Cash app. [ __ ] Cash app. Cash app. Apple. bill. So much cash up. So much Amazon. Show me your Amazon smoking. Zel zel. Yeah, you're like what do you. what is all this zel? You're zing a lot. ATM a draw. >> So if it was like half on something. that's how I would. >> [ __ ] energy drinks again use gamer. subs. It is that tastes better and it's. much cheaper. Amazon smoke Netflix ATM. withdraw. That's for weed. So weed weed. weed weed weed. Lots of weed all.

throughout. Apple bill. [ __ ]. [ __ ] [ __ ]. I can't see if there's been any. overdrafts this year, but wouldn't it be. surprising? So, let me see our Amazon. Starting a screen recording. >> Mhm. >> Hey, 30 things in your cart. That's not good. You return the fake nails cuz you have. to go get your expensive nails. Of. course, >> dip. It's like a powder that you put on. You can like. >> Your cart is insane. Oh, it's all just. Oh my goodness. It's so much [ __ ]. Just look at this chat. This is You.

don't need cowboy boots. You don't need all this fake jewelry. You don't need. >> rattlesnakes in Florida. It's a serious. thing that if you go anywhere in the. woods, they're going to Yeah. >> You don't need specifically cowboy. boots. >> Well, they're taller. So, yeah, I do. though. Like, what else would you say. for boots then? >> Forest. Don't go to the forest. YOU. DON'T DO FOREST. >> NO, I JUST LOOKED AT THE PROPERTY. There's eight trees. Shut the up. Forest. You don't know what a forest is. You've never seen a forest. You live in. a small little property surrounded by. neighborhoods. Shut up. I almost ran.

over one. A rattlesnake going. >> Yes, there are some snakes. We got them, too. It's okay. I still go. in the nature. Okay, we got sna scarier. snakes here. Further west you get, the worse it goes. Florida has scary, terrible creatures, but we got the bad snakes and the bad. spiders. >> Alligators. >> Yeah, exactly. Exactly. I don't think I. don't know if a boot's going to help. with an alligator, though. Is it? >> No, I wouldn't say so. [gasps].

They take them out when they're like. four or 5t long out of the waterways. The Florida Fish and Wildlife. >> They kill them. >> No. No. They relocate them. I don't. think they kill them. >> Where? >> They're endangered. They don't kill. them. They're protected. >> What do you mean they take them out? Where? They go somewhere, >> right? So, if there's major areas where. uh people float down like the rivers or. they go kayaking, it's like a big. touristy area, they'll keep it clean out. of. >> $683 in the debt payment, including your. mortgage, which we'll get rid of soon.

And the car will also fall off soon, so. that's going to help. What do you have. to give your boyfriend for utilities or. internet or what? Like, what is what do. you have to give? What's the deal, >> fiance? Nothing. >> I Well, I mean, did the electric's like. $240. >> You pay it. That's what I'm asking. No, he he has all the bills that need. >> So, you pay nothing. >> currently. >> Okay. How does the groceries work at the. household? >> It's half. >> Oh my goodness. Okay. So, you can do. 300. What's your phone bill? >> Uh 37. >> That's pretty good. >> Okay. >> I like helium for 15 bucks a line, but.

that's okay. I'll accept that as well. TP fund. Anything else you need to. survive? This is makeup. This is nails. This is um tampons. 150 bucks. Medical, healthcare, any co-pays, anything you. don't even have it. We should get you. health insurance out. Try to get it. through work. Do that and then we'll. figure that out. You have a gym? >> No. >> You have a pet? It's a cat. >> I have two cats. Yeah. >> Age is health. >> Um, one's four and one's two. >> Health good. >> Yeah. >> 100 bucks health insurance cuz obviously. you can't afford it. That's why you had. to borrow last time. So, 100 bucks for.

health insurance. How much for pet food? >> That's a lot. 100. >> It is. Cuz you need pet insurance that. actually works unfortunately. >> How much for pet food? >> 50. >> Subscriptions. I'll give you 40 bucks. Anything else that needs to be in this. budget? Cuz it's not much, dude. >> I know. I mean, I'd love for a lot of. things to be in there for. >> Anything else that needs to be in the. budget, I guess. >> Yeah, I guess not. >> Okay. >> I mean, gas. >> Yes. How much for gas? Thank you. And. car insurance? >> Uh 60. And my car insurance is 90.

>> Okay. Needed to survive is 1,510. Okay. You need the 300 or 400 in weed? >> I mean, I could probably try and cut it. in half. >> Yeah, cut it in half. I'll do 200 for. that. Caught 100 for vape, too. I hate. to I've never put it in the budget, but. I don't want you to go back to more. extreme drugs, so I'm willing to do it. Try to just cut it down. Okay. Slowly, Wayne. Even still with that, you have. you have 400 300 left over, but your. mortgage is going to fall off, which. will give you an extra 400. Your car. payment is going to fall off soon.

That'll give you you're going to have. $1,000 left. And then he's going to take. some. So, let's just call it you have an. extra $600 left of your and you're going. to settle so much of this. So, it just. makes no sense. Your mortgage is going. to fall off. Your car is going to fall. off. So, I mean, dude, you're probably. debtree like a year. This is so nothing. >> because I need to figure out a plan. I. need to do all of that. Like, >> congratulations. That's easy. >> It's like $260 a month in contributes. for that, you know. >> Well, you don't have to. >> No, but that's like the like I need to. do something. I need to be able to. >> You pay off your debt and then 50 30 20.

50% of needs, 30% of wants, 20% to. retirement. You'll be fine. >> Doesn't break out like that though. Huh? >> Like it doesn't break out like that. >> What do you mean it doesn't? Is this a lot? >> No. >> What do you mean it doesn't? >> It's okay. So, you said 50% is what? >> On needs, which splitting it with your. fiance? I think you could do. >> you'll be debtree. of 2,200 if I do all that. >> Yes, cuz you live with your fiance. >> But I I want to be able to have things.

too. Like I want an RV, you know, be. able. >> RV. You can split it with him if you can. afford it in your fun, which is 30%. And. then 20% goes to retirement, which is. your 401k. You'll be fine. My goodness. Okay, focus on settling this. collections. You'll be able to do you. should be debtree in less than a year. You should have a fully funded emergency. fund in like 8 months after that. Do all. that before you have any fun. And then. it's 50% on needs, 30% on wants, 20%. towards savings, and you'll be okay. I'm.

going to call I'm going to we're going. to bring him in for the post show off. camera but on Mike and I'm going to. confront about how she spends $500 on. [ __ ] instead of giving him anything. Spending in a budget you overspent 0 out. of 10. Death is collection 010. Mercy. fund nothing 0 out. Retirement nothing 0. out of 10. Real estate there is there is. you're going to sell it but there is. I. mean it's kind of torn up but it's worth. more than you sold it. Actually how much. are you going to get if you sell it in. cash in hand? >> 17,000. >> There we go. there. You'll be even. paying off debt even quicker cuz you'll. be able to use that throw it towards.

lump sums and [music] settle these. collections. But real estate for now, it'll technically go to zero, but. that'll make your emergency fund go up. and your debt score go up. So, it'll. even out in the end. Emergency fund I'll. give you a 7 out of 10 for now. [music]. Okay, >> so Hammer Financial Score, you were. wrong. Get yours at calebammer.com, but. yours is a 1.5 out of 10. Now, click. join. Join Hammerly. three premium shows. every single day, 6 days a week, including an extra 20 minutes of this. episode where I'm going to bring in the. fiance and confront her to him and let. him and see what he thinks called the. financial auto post show. See you there. >> Fiance is seated.

>> I know she owes you 2,000. >> My perspective is, you know, she's got. to make a choice essentially. >> cuz her grandma's angry that she hasn't. put anything towards her father who she. owes. >> Is her not paying you back, does that. hold you back financially at all? June 1st, I'm [music] launching the. Hammer Elite app, available on every. major platform. Join the wait list by. using the link in the description or pin. comment down below to get a. never-before-seen financial audit video. [music] and an exclusive offer just for.

you. You'll get lifetime access to the. entire Hammer Elite catalog and our. Hammer for Life box packed with limited. edition merch. So mark your calendar. June 1st. This is the best membership. you'll ever join. [music].