Financial Audit's First Furry

This is the shortest. I've talked to a. guest before we started filming because. I don't know what the to look at. >> Your fur collection, how much? >> I've probably spent at least 12 grand on. my fur collection. >> Hey yo, what the [ __ ]. >> You know why I have all this debt? Is. because I know in the future I'm going. to have money. I'm destined for it. >> Please tell me how you're destined for. money. >> My drive, my skill set as far as money. already. >> Some driven mother. >> No, that's me. You're talking to him. right now. >> Not after this. With a refresh look and upgraded. features, download Dollarise, the best. budgeting app there is, and until.

October 27th, you can lock in the first. 3 months at over 30% off. Or upgrade to. annual and save an additional 25% and. get a free signed cookbook by me. Download the DollarWise budgeting app. today and take advantage of your free. trial. >> Hi, my name is Dakota. I'm 23 years old. and I'm from Detroit, Michigan. And this. is Financial Audit. >> I'll be honest, ladies and gentlemen. This is the shortest I've talked to a. guest before we started filming because. I don't know what the to look at. It's.

This is very weird. Also, I've seen. furry stuff online. >> What do you mean by that? >> Um I've never seen it in person and it's. huge. And it's huge. Um well, I think I. I've always had a dream. We've all We've. We've all had our dreams. Um Lindsay's. had a dream. I've had a dream. My. dream's been to get a [ __ ] A [ __ ]. But Lindsay's dream has been to get a. furry. And I believe she has. accomplished her dream. There's a chain.

hanging from her. Okay. >> Well, you you had mentioned. >> Are we leaving that on? >> No. No. No. No. It's going to come off. >> You want to take it off? >> I would love to take it off. >> You would love to take it off. >> I would love. It's so hot in here. >> Take it off. >> My [ __ ] god. Holy [ __ ]. >> He's a normal looking. This is like when. they unmasked Kylo Ren in episode seven. and you thought it was going to be some. evil mother. >> Evil. Yes. As far as I know.

>> Well, now I know how to actually look at. you. This is the weirdest Star Tre. episode I've ever experienced. This is. soing weird. Um, okay. Well, I guess. really establishing you. You look so. normal. Little emo. A. >> Tell me. Well, a middle-aged until you. said 23. >> fat greasy weirdo that like has another. fat, greasy weirdo that never leaves the. basement kind of around a collar that he.

uses as a pet at home. >> You should see my girlfriend. She's. smoking. >> and she's a furry, too. >> Okay, let me see. >> Can I use my phone and show you? >> Yeah, I want to see. >> She's I'm okay. I'm just saying like. she's hot, you know? I I'm kind of. believing it because you're an. attractive dude. You're an attractive. >> You want to see? Yeah, you got to see. her face. So, I guess I can't uh use one. of her in her costume. So, here she is. right here. >> Yeah, I don't The costume does nothing. for me. That doesn't really show me what.

anyone is. Is there another picture? It's It's a. weird angle. >> Yeah. You know, I guess all of our. angles are similar to that. Uh. >> we'll get consent to put these in the. episode, ladies and gentlemen. Okay. Yeah. Hey. Yeah. I think you're out of. her league. I'll be honest. But that's. okay. >> That's crazy. I'm going to have to I'm. going to have to like talk to her about. that when she sees this episode. >> Uh, sure. >> You know what? >> But freaks find freaks and I'm glad you. did. Is this what you do for a living? >> Uh, it it it's some income. It's not. most of my income.

>> What comes in from that? And what is. that job? >> Cameo, uh, social media consultations, and I do only. >> Oh my [ __ ] head. I have to clothe. my thought. Thought you said you were. taking loads. Okay. >> No, no, no, no, no. >> Oh, you look a little. >> That's the past. >> Oh, okay. Yeah. >> I mean, I had to know. I had to make. sure that I was actually straight. >> Oh, it's it's a good little test. It's a. little test. >> Nothing in, only out. >> How do you go out if you don't go in? >> Well, exit only, you know.

>> How do you exit if it's not entered? >> It's not It's not a question you want. the answer to right now. >> Well, actually, it is. >> Well, here's the thing. I needed to make. sure that I was straight because, you. know, in the furry fandom, it's a lot of. gay people. It's mostly gay people. probably. No, I'm saying I'm saying I've. had sex with two dudes. I can't be. homophobic. I've earned the right to say. the f slur, you know. >> At least my co-workers that are gay and. my friends have said the same thing. I. am allowed to say it because. >> it. >> I'm okay. >> Uhhuh. >> You know, cuz I know how you guys. clipped stuff. So, I'm uh just going to.

leave it at that. >> So, you suck to. >> I have sucked a. >> um mediocre. Not very entertaining. Sorry, Dad. Probably going to watch. this. Um, >> what is your dad homophobic? >> Yes. >> Oh, >> well, Christian. >> and has a furry son? >> Yes. >> Okay, hold on. I need to get your. income. What What do you make off the. social media consultation? I don't know. what that even. >> uh So, people pay me to basically walk. them through their uh. >> walk them. >> Yeah. Leash leash them up, all that. And. then they they they ask me on how to.

prepare their socials for success. And. they I get them. >> Are you successful on social media? Over. the last few years, over the last eight. years, I've averaged probably. >> eight years. You're 23. >> Yeah. I've been doing social media since. 2016, 2015 maybe. So, almost 10 years. >> I don't know if I don't know if that's. good for society. >> No. No. I've I've a lot of my associates. were that young. >> Yeah. I was making money though, you. know. Not anymore. >> I still don't know if that's good. Uh. you're okay. Good. What do you make from. that? >> Uh well, now like right now I'm making.

probably like an extra $600, $700 a. month just from social media. Uh, not. including my full-time gig, which is. >> Oh, wait. Is that including OAF, too, and everything? >> Yeah. >> Oh, 700 combined social media. >> Yeah, I've I've I've fallen quite a bit. from what I was making. >> Why? What happened? >> Got lazy relationship. Bad decisions. Your. >> current one? >> No, no, my new one's great. Very happy. >> New one. Okay. >> Yeah. Very happy. Very happy. I'm very. blessed all around. Um, >> strategically groomed. Got everything we. needed. >> Okay. And what's your day job? And do.

they know? >> They know. Uh all my managers they. certainly do now. >> Yeah. No, my managers are aware of why. I'm here. Uh my social media uh history. >> What do you do? >> I'm a server. >> Well, that was the thing you didn't want. to say. So, we're bleeping the name of. the company, but it's a large chain. restaurant. >> Yeah. >> Large chain restaurant. It's a very good. one. For what it's worth, it is. >> I I very much enjoy it. I will say. >> it's funny how I have to cut the thing. you don't want to say and then you say. the thing you don't want to say.

>> I ramble. >> It's okay. Uh, serving. How many hours a. week are you getting? >> Uh, oh, I could pick up as much as I. want, but I average about 36 for 44. hours a week. >> What are you making? >> About 1,200-500 a week. >> Yeah, 1,200,500 a week. Ladies and. gentlemen, chain chains in Detroit. >> on three table sections, too. >> Uh, so we'll say average 14 then cuz you. said 13 to 15, right? >> Yeah. >> Times 52. Divide that. Well, do you work. every week of the year? >> No, I take time off for furry. conventions. >> and it's not paid.

And it's not paid time off. >> No, absolutely not. >> How many weeks do you take off a year? >> Say probably on like in total about like. five. >> Okay, very good. So, I'll times this by. 47. $65,800 a year without the social media. stuff, which I mean you're actually. doing a you're you're What are you. getting? Cougars that just want to grab. the Twinks. >> No, no. I just I I have terrible. spending habits, so it's like that.

money. No, no, no. Your income like it's. really good. We're talking. >> Oh, you mean like my tables? >> $5,483. a month plus your 700. Like, you're. killing people. I Yeah, I'm just. Especially in a cheap city like Detroit. $6,183. Like, wow. A month. Incredible. At 23, this is the career. This is the career. toing do apparently. Why are you doing. so well? Do you know? Well, for what. it's worth, we're not saying the place, but that there is not a time I do not go. to that place. And it's not literallying.

stacked. >> Yeah. >> Like they've killed it. They've killed. it. My goodness. I don't know what. they've done. >> Just good food, >> you know, consistent quality. It's all. it takes. >> Yeah. No, but why are you doing so well? >> Because I'm a kick server. >> Yeah. >> I've been doing it off and on for about. four and a half years. I've always been. people front. Uh before I was a server. at middle between serving jobs. I was a. director of marketing at a luxury car. dealership for three years and that. involved that what the in front of. people. Okay. >> So, I've always just had a professional.

way to approach people, you know, learn. their situations and how I should. approach it from there and cater their. experience to how they are. >> Now, I got to note that uh you know, it's a little early in the day. You may. have skipped breakfast, so I wanted to. make sure we fed you a snack. >> Here you go. >> That's crazy. >> You know, I'm not even offended that. it's in a dog bowl. I'm more so offended. that it's not Fruity Pebbles or anything. else other than Cocoa Puffs. I'm. I'm not doing this because it's in a dog. bowl.

>> I am. >> pretty good. >> So, how you doing then? Cuz honestly, to. me, you should be killing it. Is that. what comes home or is that before taxes? >> Uh, I think the tax conversation is a. whole different situation. >> Well, no tax on tips. >> Yeah, no tax on tips. Uh, but I haven't. filed taxes in three years, >> so I don't really know anything about my. tax situation. Kind of just hope for the. best. >> Why? Why the possibly? >> Cuz I'll figure it out later. >> No. No.

>> They do pay for everything. >> The IRS will figure it out now. >> Mhm. Well, they can't take my cash. >> But they can take your paycheck. >> I don't get a paycheck. >> at all. Your full tip. >> Checkmate. I get like 60 bucks a week in. hourly. >> Yeah. And they'll fully take that. I. know. It's not the I know that's not. you. Uh, fine. They show up with guns. >> FBI, open up. >> I got guns, too. >> Well, it is Detroit. You should. Yeah, >> but I think theirs are bigger and. involve a nuclear arsenal. >> If they nuke me for not paying my my.

whatever my back taxes or whatever the I. owe them, then that's on them. >> I think they want to nuke Detroit. >> That's okay. I'm not in Detroit for. long. So, stop. >> Where you going? You're doing so well. there. >> Back to Dallas. >> But you're doing so well. >> I was doing better in Dallas. >> Yeah, but for cost of living were you? Because it's much more expensive Dallas. >> I was spending $2,300 for a two-bedroom. apartment. Uh but that was also just. like. >> Your girlfriend's coming. How long have. you guys been together? >> Uh almost a full year now. We've known. each other for a little over 3 years. >> Okay. So, she's coming. >> Yeah, absolutely. She wants to move to. Texas. It's not just me.

>> Why? >> Uh, better economy. It's warmer. >> It has a better, dude. >> All of our friends are there. Family. >> This summer's soing miserable. You don't. Okay. Okay. Well, well done. Why are you. completely Cuz you don't come on the. show unless you're completely Well, one, why haven't you paid your taxes? Let's. talk about that. Like, why? >> I just didn't want to. I remember. filling it not want to cuz you probably. especially with no tax on tips. I don't. think you'd pay very much. >> This just passed the no tax. >> But even still,

>> u but we're also thinking of. >> fine. Have you gone through the process. and see what you might owe? Cuz it's not. like you were claiming your cash anyway. >> Well, I went through the the the you. know whatever Turbo Tax and it said I. owed them nothing. So when I. >> There you go. So just do. >> I submitted it. They sent me an email. saying that this form was incomplete and. then I just kind of ignored them and. hope that they would figure it out. later. >> Three years in a row. >> Yeah. Yeah. I didn't even bother to try. to apply two years ago because of the. income I was taking in. I was scared. So, >> yeah. But you weren't claiming your. cash. No one claims their cash. >> This wasn't cash. This was uh $20,000 a. month in zel payments.

that I'm hoping I don't have to pay on. cuz they consider it gifts. >> Not after this. >> I knew the risks. >> I know. Everyone does. >> Yep. >> 20,000 a month. >> in zel payments from my. >> what? >> My ex-girlfriend. >> She was giving you 20 a month. It was. the Okay. She was taking 20. I was. taking 20 kind of. Yeah. It was our only. >> Oh, you wereing her. >> I was her manager, her uh content lead, her producer, her cameraman or. everything. But there was no other.

people involved. I was not a. >> But you wereing her. >> I was paid peanut. Yeah. >> Paid furry penis. >> And you said that was a bad toxic. relationship. >> Extremely. How much did you make. >> in total in the. eight or nine months we were running of? Probably a little over $135,000. cuz we had peaked at 40k a month for the. last 2 and a halfish months we were. together. We were only doing like 12, 15, 20,000 up until then.

>> As if that's not incredible money. >> Well, I was also making $7,000 a month. flat from my salary based job that I had. left to pursue the only. >> crazy. Um, okay. Let me see her. I don't even know if I could pull her. up. >> You know her Instagram. >> Unblocked. Well, I could show you her. mug shot. >> I can pull up her Instagram. >> She got arrested for assault with a. deadly weapon, by the way. >> To who? Yes, let's see that. >> Boyfriend after me. >> Oh, yep. She doesn't sound great. Let's. see that. But I also want to see her. Instagram.

>> Oh, yeah. You could look her up. You're. not blocked. >> No, of course not. >> By the way, her entire platform is. because of me. >> Don't worry, ladies and gentlemen. We. will not be doing. >> There is the mug shot, the famous one. She looks awful in this picture. >> Yeah, most do in their mug shots. >> But yeah, it was her new uh boyfriend. She's had three partners since me in. about a year. >> Okay. Um. uh blur blur the name. Well, here we go. This is what we're dealing with. currently. I believe I'm blocking the.

name. >> She's a bad example. >> I don't like uh social media promotion. >> She is a bad example. >> Not that attractive. I'll be honest. To. me, to me, to me, to me, to me. Before. she rages online. Oh my gosh. To me. my. type. >> Well, aren't you married or in a. relationship? >> Not married, but yes, I am dating. >> Okay. Is she out of your league? >> What? I can't find people. Yeah, come. on. >> I'm just making sure we're on mutual. playing field here. >> No, she's out of my league. You're out. of your current league.

>> Okay. Okay. I disagree, but that's okay. >> So, how long did you do furry o? uh. mid 2023 to towards the end of 2024. >> So you're like 20 Yeah. to 2024. Okay. So not very long. Where'd all that money. go? Cuz again, you're you're on the. show. You're. >> I'm Yeah. No. Okay. So. >> Oh, and you're doing well now. >> I put uh $10,000 down for my current. vehicle. Um I. >> You did not just go and go get crazy.

vehicle cuz you're making some OF money. >> I wouldn't say crazy. It's a Lexus LS460. 2012. >> Lexus is nice. It was only a $15,000. car, >> but you put 10 down. >> Yes. >> Okay. >> I wanted low payments, low rate. >> Uh, >> that's good. So, why are you then? Cuz. that wouldn't equal. >> car has nothing to do with my It's my. credit card payments, my qualify, my. affirm, my CLA. Uh, I actually rented my. car rental to get here. So, you know how. you can, you know, you're already. renting a car. I'm affirming the rental. payment on my car on my 2025 hatchback. that I'm here.

>> for. Why? >> I just didn't want to spend the 300 up. front. So, I paid 80 upfront. Makes sense to. me. >> It does. Is there interest on it? >> Nope. Pay it off in six weeks. >> You pay it off every time. No questions. asked, no problems, no late fees as I go. through this entire thing. >> Yes. >> Everything is on time. I've always been. successful on that. Besides my one. missed auto payment on my Best Buy card. like three and a half years ago. >> Oh, I guess your ex was very uh has a. negative image in the furry community. >> Yeah, she is a piece of total piece of.

>> Why? uh transphobic, racist, abbleist, fat phobic, um everything under the sun, >> which I think that uh that community. specifically is all those. >> No, there's bad apples. There's bad. apples in every in every C fandom. There's bad apples in anime. >> No, no. Isn't your What? What are furry? I couldn't think of it. Aren't they all. fat, trans, and. >> No. No. Um I would say it's a it's a. decently sized demographic of that genre. of people. No disrespect, but the people.

like that stick out like me, like how. you said when I took my suit head off, it wasn't what you expected. That's. changing. >> Well, you might be trans. I don't know. >> Not that I know of. So, check back next. year. >> Yeah. >> Seems like it happens overnight. >> Does it? And he's starting to sound like. her. >> That might be the worst thing uh you'll. say to me today. >> Okay. So, what is going on, my guy? Cuz. what a interesting conversation. Well, you know why I have all this debt is. because I know in the future I'm going.

to have money. I'm destined for it. >> How are you destined for it? Please tell. me how you're destined for money. >> My drive, my skill set, and how many. times I've come across large money. already. >> Some driven mother who are the absolute. biggest morons in the world and work on. work instead of actually doing what it. takes to get somewhere. >> Yes. No, that's me. You're talking to. them right now. >> Well, then no, you're not destined for. money. >> Oh, but it's it's But here's the thing. So, I've come across large sums of money. multiple times in my youth. I and 17. years old, I took home $45,000 in a.

little over 45 days. >> Okay. And it's not here. Meaning I don't. think you're going to come into money. and keep it. >> Well, I know that's that's why I'm here. You know, I got a little wakeup call. I. got to get the hammer treatment. I got. to get hammered. >> So, >> yeah. No, no, no. >> I got to experience the hammer in its. full extent. But, you know, it's going. to happen again. And every time it. happens, I'm going to say, "I'm going to. keep it.". >> But why? What? What if you've lost your. opportunity? What if that opportunity. has hit and now you're done? Because a. lot of the things also has to do with.

the fact that you know you're younger. and you know attractive but you're going. to be aging and. >> those opportunities are still coming. Don't worry. >> I know. >> Go on. Tell me. >> I just I manifest them and I once I'm. back in Dallas here's the goal. I need. to get the out of Detroit. There's. nothing. >> Detroit keeping you. I agree. Detroit's. not great. >> Exactly. The only reason I'm in Detroit. is for my beautiful lovely girlfriend, soon to be wife and that is. >> You're engaged. >> Uh no. eventually. Um, what I need to do. is get the out of Detroit. That's big. step one. Step two is to get back into.

Dallas into a career that I actually. have growth potential in because I went. from a lot coordinator to a social media. marketing director in a span of three. years with my resume. They fired a woman. with a bachelor's degree in marketing to. replace uh have me replace her. >> Yeah. I don't care about someone's. degree. It's the only one that can. deliver. >> I I could deliver. I've proven to. deliver multiple times. >> What were you making in that job? >> A little over 70k. >> Okay. But that's not coming into. millions, which is what you're making it. sound like. >> No, I mean, it's not. for your age. That's great. For your. age, you're doing great right now.

Income wise, not. >> finances. Uh, and again, it's not. necessarily about a degree. Uh, okay. But I thought you you were making it. sound like you were going to come into. that $20,000 a month again. >> No, I'm not saying it's impossible. All. it takes is the right person to, you. know, get to know me and pick me up. because I have that. >> Oh, so it's all dependent on other. people, not yourself. Also that I do the. consultation that I hope picks up. eventually. >> Hope. >> Yeah. >> No strategy. >> I somewhat of a strategy. I mean, I. wrote a 16page document that walks. people through what I did to repeat.

social media success and it worked. It's. worked for a couple actually known uh. household name furries in the community. >> Household name? >> Yeah. >> How big is that? What is that like. 10,000 people know them? >> Um, no, we're looking at like half a. million to over a million. The furry. phantom is a lot bigger than you might. expect it to be. They're actually flying. out one of my previous students to. Brazil. All expense paid to be a guest. of honor at a furry convention in Brazil. next year. >> Yeah, a guest of honor at a furry. convention. That doesn't mean it's. >> big itself. This is the furry.

convention. Okay. So, I can't help you. hope and manifest for more money. >> I know. >> But that's not how that goes. >> I need you to tell me to stop spending. money and. >> Okay, you already know that then. You. just said it. So, what the do you need. me for? >> How can I get it stuck? Because I've got. this this thing in my brain that tells. me I'm gonna have this money. I'm gonna. make this money back. I don't care. Like. just yesterday, I spent $1,000 on Neiman. Marcus uh on a credit card. >> What? >> Yeah. >> For what? >> Um. >> Oh, what are you doing? >> Well, I have these on your white shades.

I bought a hoodie. >> I don't know what that is. You're going. to have to tell me what that is. >> Designer brand. >> of what? >> Of sunglasses. And then I bought a. hoodie for 300. Then I bought $350. cologne. Uh Mind Games, Gambit. >> Show me. >> Well, this is just glasses. Cuz I didn't. bring the other stuff. >> Well, how much was it? >> These? >> Yes. >> A little over 300. >> That's off-white. That looks very black. to me. >> Well, don't they look badass? >> Um. >> I'm. okay. Lindsay likes them. I don't know.

I I'm not a sunglasses guy. I'm a normal. glasses guy. I I don't know. >> She told me early on that she liked. them. So, I was like, see, worth my. money. >> Oh, okay. >> And now I can use these on social media. later and be happier with what I post, which makes my content perform better. So, it's an investment into oneself. >> Now, imagine if you invested that. $20,000 hours a month you were making. >> Yeah. I wouldn't be here right now. >> You would probably be borderline. approaching what a half a million. >> Yeah. >> $750,000. >> Yeah.

>> Has it grown actually in from when you. were making it when the market was down. to now? You actually might be a. millionaire technically. >> Your net worth is. >> um I don't own my car. You can't include. financed assets to your car, right? or. into your net worth. So, >> I mean, in an equity position, I would. allow. Yeah, sure. >> Um, probably worth like $3,500. >> Dude, you have to be negative. There's. no way. Look, private student loans can. make you feel like you're one mispayment. away from selling your grandma's. heirlooms. We miss your grandma. Why? Refi says, "Chill out. No more.

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and see how a real personal approach can. help you escape the private loan. nightmare. Because let's be honest, living with crippling debt until you're. 90 is not the retirement plan you. dreamed of. >> Oh well, yeah, I'm definitely negative, but as far as assets I can sell, I got. like 35. >> Yeah, but it's what you owe. >> Well, this is worth seven grand, so I. could get 7K. Yeah, >> for why? >> Custom made. Um, he's a very notable. figure in the fandom. People do pay for. that. >> Who is he? >> His name's Spiral. If I go to a furry I. know you don't give a about this cuz. it's a furry convention. I go to a furry.

convention. I get treated like how you. do in public. Oh, Caleb Hammer, let me. get a picture. You know, that's me at. furry conventions. Oh my god. Die. >> Because of a $7,500 thing. >> because of my my platform. I'm a content. creator. I've got 960K on Tik Tok. I've. got. >> What? >> Yeah, I've got 34K. >> Okay, pull up your TikTok. I'm not. allowing him to plug it, so you're not. going to see it. I need. >> It's a dead page. I don't post it on. anymore here. >> Okay, so why are you getting recognized. at places if it's. >> because I started over with this? >> Well, show me the new one. >> Okay. I don't care about the one that's. dead that no one knows you from.

>> Well, I'll pull up my I'd rather show. you my Instagram. >> fast. Dang. Yeah. Okay. Your Instagram. Okay. 34,000. >> Yeah. Oh, I know. >> He bragged about the dead account. >> Uh the dead account. Yeah. It's just. It's just what people know me for. It's. what I came into the fandom as. It's. like, "Oh, look. Fries can't be normal. people. Furries are your everyday. average Joe. They're not just fat neck. beards that stay at home when they're. moms.". >> I'm not calling you your everyday. average Joe. You don't really seem like. that. You're. >> You said I look normal. >> Your face. >> Yeah. Do I appear I mean so far I feel. like I appear pretty normal just with a.

up outlook on money. >> Everything else. >> you know what's up. Why don't you change. it? I'm so confused. >> That's the fun part. I just don't think. I can. >> Huh? >> I've tried. >> How? >> For like the last eight years I've been. burning into my head. Next time I have. money, I'm going to do this next time. >> What have you told yourself the next. time you had money you needed to do? >> Invest it or spend my debt. >> Then what happened? >> Bought a motorcycle. I bought two. motorcycles, BMWs, designer clothes. Uh, jewelry, fursuits. I've probably spent a. lot. >> Yeah. Your consumerism to the max. >> Oh, yeah. And I plan on getting the new.

iPhone 17 next week. >> Well, that within itself isn't the worst. thing if it stands alone. But mix on. everything. And why are you going to do. that after coming on this show? >> Investment for my social medias. >> No. What is that? >> It's a 15 Pro Max. >> Shut the [ __ ] up. You're fine. >> But it's cracked. >> I don't care. Mine's cracked. I'm. living. >> Oh, I could tell it was cracked. It's. kind of a turnoff for me. >> I don't care if you're turned down or. off. >> I'm turned off. other people richer than. you'll ever be in your entire life. I. don't care if you're turned off. >> What do you drive? >> Huh? >> What do you drive?

>> Model X. >> Yeah. Pin your your finance stat doesn't. matter for me. But your phone's cracked. I didn't like the look of it. And I know. other people. >> Do you judge everyone's uh net worth? Not on math, but their car. I'm not a. flashy guy. >> I know a Tesla's pretty flashy. You. could say all day it's not. A Tesla is. flashy. >> It doesn't look flashy. >> It looks pretty flashy. >> What? Model X looks like it's like a. spaceship. >> inside. No engine noise and every time. you hit the accelerator it just goes, you know, cuz it's it's electric. I'll. never buy an electric car. >> Yes. Faster than any car you have yet. >> Doesn't matter. Bugatti. It might be a.

little bit faster than a Bugatti. Take. it down the highway, you're getting. smoke. >> It's so much more fun to go fast. >> I've been in a Plaid. They're It's okay. >> I just like to go fast. >> Is yours a Plaid? >> Uh, not my current one. >> So, more money than I'll ever have. But. you don't have the best Tesla. >> Well, why would I? I'm moving to New. York City. I don't want to use a car. >> God. Okay. New York City. Why? >> I can walk places. >> Mhm. >> And just constantly running into people. Can't drive your So, you're going to get. rid of your car is what I'm hearing. >> Yeah. I don't want to drive. Why would I.

want to drive? I want to live in a. community. >> So, you'll be like in public transport. >> Uh or walking around or biking or. welcome to living in an area that's. built for humans and not vehicles. >> I feel like you're just like on a script. at this point cuz like all these people. define success, oh, I'm going to move to. New York, you know? >> No, I'm literally I don't give a about. the city as the city. I care about it. for the community and moving and it's. built for humans. >> Is there a benefit to you besides not. having your car? >> Yes, it's built for humans and not. highways and cars. >> I I don't like the humans in New York.

That's not where I would want to be. >> Well done. Don't go. >> I will, but I'm not going to live there. It's a vacation place. It's like LA. God. forbid anywhere. >> Why would I want to live in LA? >> Okay, we agree with that. >> Built for cars, not humans. >> Okay. So, you define um your entire. existence on whatever car you have. >> I wouldn't say that. I'm just saying. like Tesla says a lot about a person. >> What does it say? >> You have a girlfriend, right? >> Yes. >> Okay. She back to the trans. conversation. She a girl like born. female is what they say.

>> Yes. Yes. >> Okay. I'm just making sure cuz then I. think Tessa I think gay. >> He's homophobic. >> No. Like I said, >> gentlemen, >> I know a lot about my sexuality. >> His ex rubbed off on him quite heavily. >> I guess you could say that. >> he rubbed him off and then. >> left a homophob. The rubbing off was for. the only not for my personality. >> Um I mean that's fine. I mean everyone. can like whatever the car they want. Like I there's not much for me to desire. to even defend a Tesla. Like I'm going. to drive what I want, right? Well, of. course. >> Like I like that it drives for me.

>> Yeah, that's cool. >> And then I don't have to think. I can. just listen to a podcast. >> Yeah. You and it just goes. >> sit there and look at gay how you drive. >> Sure. Why not? It's not my preferred. >> But it's on there. You said it's not. your preferred. So it's on the list of. things you'll watch. It's just not the. first thing I watch. >> No, not really. But. >> play it back. >> Uh, yeah, you Well, okay. Play it back. I'm. >> So, it's not your preferred. >> And here's the thing about me, right, is. like um I think the gayest thing a guy. can do besides take a dick in his be. offended if someone ever questions his.

sexuality cuz I don't give. >> a confident in my masculinity that if. someone questions me, I don't feel like. a little. Well, how do you know if. >> But you have to use it as a way to try. to get under my skin, but it doesn't. affect me because I don't care. >> How do you know? >> How do you know? >> How do I know? >> That's how I had to do. I didn't know. I. was struggling. I was like, "What if I. am gay? What if I am?". >> I'm not going into the lore of my life. with you. You're on financial audit. >> Well, I thought, you know, we're talking. conversation, right? I'm just telling. you. >> I'm trying to move on. >> Okay, let's move on. I like that idea. I'm trying to talk about the numbers. >> Well, no, you're not. You are literally.

not right now. I have to turn on the. fish tank. I got distracted by walking. in to your existence. >> That happens. >> Okay. So, you're going to be very rich. and you're going to let everyone know by. the car you drive because you care more. about what the person next to you at the. stoplight thinks than what's your actual. net worth. Right. Okay. Very good. Anything else I should know?

>> No. I. >> Well, I have a money source that you ran. into once. Yes, >> you made money through an Instagram. scam. >> Not a scam. Not the way to word it. I. was getting It was a paid service that. people got what they paid for and they. only paid upon completion. It was never. payment upon, oh, I'm going to do this. It was paid after I succeeded. >> So, Facebook had a uh exploit to get. people unbanned because I'm sure you. were working on social media. You're. aware Meta has terrible support systems. unless you give them thousands and. thousands of dollars for Metaverified. And the more you pay, the more they help. you out.

>> Metaverified? Isn't that like a $5, $10. a month? >> Yes. But if you use the ad system, this. is the exploit. The more you pay through. their support system. So if I'm giving. them $100 to promote one of my posts, and then I go to their support system, they're going to say, "This guy's high. ticket. We're going to help him. farther." So what I would do is I would. spend money on ads. And then I would. say, "Hey, my page got banned at insert. handle." It was a page with 13 million. followers. And this person approached me. saying, it wasn't my page, and he said, "I need you to get my page unbanned. I'll pay you set amount if you succeed.". I got him unbanned. He paid me $7,500.

>> Oh. And from then I realized this is an. actual thing. And then I did it for a. little over a month and a half and. >> a little over 45K. >> And why would you stop? >> Because there was a ban wave that. happened and I have I do have a sense of. moral compass as much as it might not. look like it. I felt bad for the people. that I negatively affected and I pulled. out of it. >> What? You banned people? >> I didn't ban people. Facebook. >> How' you give Oh, the people you. unbanned got banned. >> Every single person I got unbanned and. then people extended past them on their. devices. >> I mean you used the way to like navigate. their ban system. Of course. Of course.

it's fair that they got rebanned, isn't. it? >> Yeah. Well, I'm just saying it sucks, but that's I stopped to prevent that. from happening again. I didn't want to. people over any further than I'd already. had. >> Want to know a dirty little secret? And. now I'm not starting an only. >> You're not broke because you suck with. money. You just can't see where it's. going. If your bank account is empty at. the end of every month, that is not bad. luck. That is bad tracking. And it's. exactly why I use Dollar. It shows you. exactly where your money is going every. single month. spending, subscriptions,

and savings all in one simple dashboard. Everything you need and nothing you. don't. And when you download Dollar. today, you'll get a try for free, plus. three months for just $9.99, so you can. finally take control and see what your. money's been doing behind your back. Click below to get started. All right. Well, give me your um. what you think your finance score is. 0. to 10. Zero being the worst, 10 being. the best. >> Two. >> Two. Okay. If you want to know your. financial score, your hammer financial.

score, take the assessment for free at. calehammer.com. See where you stand, see. where you need to do better, where. you're doing really bad, where you're. doing really well. And if you don't want. to be like a guest who ends up on the. show, make sure you download the. DollarWise budgeting app. It is my. preferred budgeting app. It's. incredible. Take the free trial and if. you like it, sign up for the annual. version. Save a lot of money by doing. that. And when you do, I will personally. send you my budget friendly cookbook. I'll sign it and I'll mail it directly. to you. Okay. All right. Let's jump into.

these documents. Yep. Here's Nean. Marcus. Except you just said you spent a. on this, right? >> Yeah. >> What's the new balance of your Nean. Marcus? >> Uh probably a little over,00200 now. >> Why Why did you need to do all this? >> I didn't need to. Nobody needs to do. anything. I just wanted to. >> Wanted to. But you you're also at the. same time you keep telling me how you. want to get your [ __ ] together and. manage your finances better when you get.

out of debt. >> Well, I can't move to Dallas without. getting my together. >> Then why are you going to Nean Marcus? Like you want it, but you also want to. move to Dallas. Which one do you want. more? >> My psychiatrist had a word for it. Mania, something like that. Unmedicated. mania. Unmedicated. >> Medicated. Not medicated. I'm on I'm on. aderall for ADHD, but nothing else for. like BPD. And she says that that's why. my spending is the way it is. >> So you should medicate it. >> potentially. You need to get it under. control. Correct. >> Yes. Clinically, by the way. >> So, why are you not?

>> I I feel like SSRIs are such a plague in. this. >> SSRI. That's what we're advocating for. Pull up your card. Pull up a statement. on your phone. >> Okay. Yeah. I just don't want to be on. medication for the rest of my life that. I already. >> Well, that's fine. I maybe you being on. Adderall is making you go crazy. >> Well, I only take this on days like this. where I have to, you know, live. >> Did you take it yesterday when you spent. a thousand? >> Nope. Wouldn't have stopped me. Okay. So, it hasn't updated yet. It still. shows 367. Um Oh, but you could see you. could subtract the available credit, which is a $2,000 limit to see my.

purchases from yesterday. >> Oh, new Marcus. New Marcus. Yeah. 634. and then 248. >> Hoodie was too. >> What's your new minimum to payment? You. think? I don't know. I'm going to say. it's 40 bucks. >> Yeah, it's better than my freedom. >> Disgusting. Yeah, I'm sure it is. That's. so It's just soing stupid. I just don't. understand because I get it. You did it. Maybe you did it in some kind of mania. Maybe you did in some kind of woo woo. woo. Maybe you're bipolar. I don't know. Doesn't matter to me. You still did it. But you also want to move to Dallas. What do you want more? >> I want to move to Dallas. It's very.

important to me. >> Then return this. Can you? >> I don't know. >> Was it here? >> The the the Yeah, it was in North Park. in Dallas. Uh I drove here from Dallas. to get here after I flew in from. Michigan. But I could I can't return the. cologne. That's a given. You know, already sprayed that one. >> How much was that? >> 350. >> Good. I don't even notice it, man. What? I put it on a few hours ago. >> Well, if it's a good clone, it should be. good then. >> Yeah, >> I'm a good smelling person. I That's.

>> I'm not saying you're a bad person. >> That's something valuable to me. >> It's Cologne or moving to Dallas. How. much do you need to move to Dallas? What. have you established you need to move to. move to Dallas? >> I need to go positive first. I need to. pay off my debts. I don't want to have. these insane. >> How much debt do you have? >> Uh I think somewhere in the ballpark. range of 25 to $30,000. Yeah. $25,313. How the are you paying that off when you. >> Oh, and that's not including I don't. think that includes my $9,000 of. property debt.

>> What What did you do? Go around, chew. everything up, and piss on everything? >> I No. Um. >> a bad boy. >> I couldn't afford the apartment after me. and my partner split, so I just kind of. left. >> She left the apartment. You didn't. leave. >> I kicked her out. Okay. And she wasn't on it. >> She was on the lease, but she was a. secondary. >> So, I removed her. >> No. >> Yeah. >> Okay. When was that? How long has this.

been? How long have you owed this? >> Uh, October 2024 was the end of my. lease. >> Mhm. >> It's been a whole year. >> I can't rent. >> Been a whole How are you then? >> Uh, my girlfriend. >> You're just renting from your. girlfriend? >> No, no, no. I'm on the lease. I am on as. a secondary. She was already approved in. a place and then I. >> going to go get a place yourself. >> Yeah. >> So, she's going to get the place. >> She'll get approved for it with uh her. income. >> With her income. Is her income good? Yeah. >> What does she do? >> She's a test driver.

>> Is she going to be a test driver there? >> She can. She can transfer. >> That's a good industry in. >> Yeah. >> In Dallas. Cuz I know Detroit's like the. car place. >> Yeah. Well, the Dallas has a major car. scene with the dealerships, you know. I. don't know about manufacturing, but she. doesn't need to be a manufacturer. She's. >> Oh, it's for dealerships. >> Not hers right now is not, but she can. go to a dealership. >> Will it pay as much? >> More. >> What does she make? >> M 18 hour, you know. >> So, you won't be able to get approved. for very much with that. >> We can get approved for bare bones until. I get everything figured out with my uh.

situation. >> So, you have all that and then plus. >> we have. >> But I'm not giving them n grand. I'm. going to settle like two years from now. and call them and say, "I'll give you. three grand." And you're going to do. >> Well, hopefully they accept it. >> They might not. Is it in a collection? It's in collections. >> Is it in a collection agency or is it. owed to the apartment? >> Collection agency. >> Okay. Well, yeah, they might be willing. to negotiate a bit more. And it's been. in collections for about a year. >> probably. Yeah. >> 6 months cuz I don't know how long until. collections. >> Dude, this makes no sense. Again, this.

is your priorities are just out of. whack. >> You want to move to Dallas. You need to. get positive to move to Dallas, but you. already have $35,000 of debt. insanity when we include that. collections. and you don't put any money to that. You. over spent like you over spent I mean it. wasn't insane for what it's worth. Uh. like you ever spent a few hundred. >> It's things I feel like I need. >> but it's still but it's you needed. cologne. >> I'm a I'm in the service industry. I. need to smell good for my customers, you.

know, my guests. >> I don't think anyone wants to be. smelling a bunch of scents when they're. wanting to eat food. >> They do. I get comments all day cuz I. put it on my wrists when I'm reaching. across. You know, oh my god, you smell. lovely. My tip percentage averages goes. up when I smell good. >> I'm sure they want your tip. >> Maybe I don't judge. >> [ __ ] man. >> Okay. Okay. Uh, so. I want to understand your mindset a. little bit or tell me about yesterday. cuz it was 350 on sunglasses, 350 on a. hoodie, 350 on cologne.

>> Insane. 250. Okay. So, walk me through where your mind was. yesterday as you were going into this. >> Okay. So, the first thing was I wasn't. going to buy anything. And then it. transitioned into cuz my my buddy had. bought something into, okay, well, my my. Neiman Marcus card is my lowest balance. and I have room on it. And I was like, well, I'm about to lock in after this. thing today where I'm at now with you. Uh, I do that a lot. I'll I'll I'll make. up for unspent money by spending a lot.

knowing that I'll probably lock in after. the fact and get it paid down. And I use. spending as my motivation to lock in. Like the more I spend, the higher my. payments go, the more money I have to. make, the more I actually have to go to. work, the more I have to save. It's kind. of my motivation. >> Just tell me yesterday though. I want to. like put me in your mind. You're there. What's happening? >> I saw this hoodie. I touched the hoodie. Felt very good. Felt like $1,000 hoodie. was $250. I only had $300 on my Nemo. Marcus card. [ __ ] sake. >> With $1,700 left over and I was like, "Okay, easy. Whatever. This won't even.

move my balance." And then I went to the. cologne section. Uh, and then I was. asking the lady to show me this cologne. and I also asked her to pull out this. pair of glasses that I tried on. I loved. both and she was very sweet. She did. >> And she she was very sweet. >> Nice old lady. >> Nice old lady. Very sweet. Offered by me. a. >> Well, you know, they get commissions. >> I know. There Yeah, exactly. They're. vultures. >> Yep. And she vultured me. She's And I. don't regret it. I hope she got a very. nice meal out of what I bought. >> She did. You're paying for her life for. you to get and not move to Dallas. Well.

done. >> Yes. Yes. Um, and in my head it was, well, I'm going to do this thing today. and I'm probably going to have my eyes. opened and I'll I'll just get back to. Michigan, work, only put money into. things that matter, like my credit. cards, make sure my payments are on. time. >> That's what it's always going to be, isn't it? It's always I will do this. later. >> This it always feels different though, if that makes sense. >> So, what felt different now? >> That I flew all the way across the. country to be on this show for the help. because you guys don't allow me to plug. anything. This isn't going to benefit. me. People are going to. >> Why the are you here? cuz it's supposed.

to be benefiting you in a way of fixing. your finances. >> That's the way I was going to say it. benefits me in that way. It doesn't. benefit me in my career path at all, which is social media. It does nothing. for me, but this is going to hopefully. help me open my eyes a little bit. because I wouldn't have flown here, you. know, if I didn't see a benefit for it. at all. >> I mean, there's going to be some guys in. the audience. We we, you know, we we we. we love all we love we love all the. funds. I'm sure we got some furries. I'm. sir. You know I we you know we got we. got the gays. You know we got them all.

They are going to they will find your. online somehow. >> It's on Google. >> It's on Google. Your on Google. >> My is on Google. My out of my ex is on. Google. Um. >> on Google. >> On Google. >> How on Google? What do you mean on. Google? >> Safe search. You type in a certain. phrase and you just press images. It's. all over the place. We had a very. successful. >> I ask what's the phrase? >> That's not uh. >> we'll bleep it. You could type in only. leaks or you can type in only leaks and.

it'll pop up furry guy on something. something and then you can type in uh. and they all pop up. originally. I did. >> I'm a gooner and half those words didn't. make sense to me. >> I don't goon. I don't watch don't do any. of that. This is just stuff that I've. known from the like my history. >> Okay. Um listen, you're not a credit. card person guy. I think the best thing. you could do for your future when you. actually come into this money again, which I hope you do. That's not just how.

the world works. I think you've been in. the right place, right time. That. doesn't mean that's going to infinitely. happen forever. >> But either way, just close your. accounts. Yeah, you'll credit for a bit, but your credit's already anyway, so I. don't really care. Open the fizz card. It's the debit card that builds credit, but at least you can't overspend what's. in your checking account. I just You. cannot use credit cards. You can't be. trusted with them. You go into Neiman. Marcus. If you didn't have the $1,000 in. your checking account, you wouldn't have. spent it. But you you had the the. ability now maxing out your credit card. Probably pretty darn close.

>> No, I still have $1,000 left on it. >> No, not a full thousand. Probably like. 700 or so. But either way, because you. had the ability to go spend it on a. credit card. You did. >> Mhm. You should have seen the way my. eyes lit up when they called me from. Chase and said, "Hey, we just gave you. $11,000 limit." Called my dad. Dad, they. just gave me this. >> great credit card. Yeah. I was still at. the dealership. This was just entirely. without the only or anything. And I got. this $11,000 limit from the Freedom with. 18 months no interest. And I was very.

behaved on it for the first few months I. had it. >> Yes, you're a good boy. We all know. >> I was a good boy. Um, as my tail starts. to wag. >> What? Remember that doctor's appointment. you were supposed to make a while ago? Like the dental cleaning you meant to. schedule, but you got sidetracked and. completely forgot about it until now? Well, why not book it today? Today's. sponsor, Zach Do makes it easy to find. the right doctor right now, and it's all. online. You'll probably be able to book. an appointment before the end of this. ad. It's a free app and website where.

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doctor fast. Stop putting off those. doctor's appointments to go to. zdock.com/caleb. to find and instantly book a toprated. doctor today. That is. doc.com/caleb.z.com/caleb. Let's get back to the show. And then I. kind of fell off the boat when the. breakup happened because I was withheld. funds that I needed and. >> by her. >> by her. >> Did she owe it legally? Contractually? >> Legally. We had no paperwork. We had a. verbal agreement. >> I was going to do paperwork. >> Yeah. It was the re her dab was the only. reason that I ended up getting some.

money and that was because I had to sell. her my previous fursuit for $5,000 and. then that $5,000 was. >> your fur collection. How much? >> This is my only one now. I've probably. spent at least 12 grand on my fur. collections in the last three years. >> How much does it hold? How would you. sell that for 75 right now? >> I would just post it and I would. >> and people would get it for 75. >> They would bid for it and it'd probably. go a little over seven because of all. the art, the reputation that comes with. it. >> But you you've fallen off for a while. >> I'm No, I'm on right now in the furry. community. I know you say, "Oh, it's. only 35k." That's like. >> Well, yeah, but you bragged about the. almost million and that fell off.

>> That was because of my cat. I was not. the main focal figure of that social. media. >> Your cat got a It's so easy to get. followers on TikTok. >> There was a hairless cat named Lola. I. used to yell at her, "Oh, rotisserary. chicken." And then those videos just pop. the hell off from like 2017, 2019. >> Okay. Yeah. I mean, you you have skills. for what it's worth. Um. >> I used to work for rappers. Like I have. I have I'm not going to lie, I have. fallen off in terms of where I was in. life. I used to be Baby No Money's uh. marketing director. I was working with. Young Gravy. I went backstage for Puyo. >> Both of them. Did they connect you with.

the show? >> I I So no, >> they like the show. >> I had no idea. >> They've text They've they've both texted. asking if we want to have them on. Just. both their finances are great. opinions. on uh both of them. >> I like that. >> Watch this. >> Alex is a piece of. >> Which one's that? >> No money. >> Why? >> He never paid me. Not a dime. >> Worked for him for about three years. He. promised me as soon as he would make it. He would give me money. I made him. memes. I ran his platforms for him. I. helped him with meme marketing. >> Was it contracted? >> Nope. I was young. He we he first got in. contact with me when I was 17, 16.

actually, and used my skills for years. And then when La La LPro uh June of 209. 2020, he just completely cut me off and. hired the buddy that I introduced him to. full time. >> To be clear, you are starting BB uh. >> Baby No Money. >> Baby No Money drama right now. >> I've Oh, I've already have I have a. video on my platform calling him out. with over 150,000 views. >> You are on a much larger platform. I am. saying this might start. >> That's okay. Alexander Gavuchi and you. sue me. See what you get out of it.

Um, I will say Baby No Money, I like. your music. I don't know you. I. appreciated the few texts we've had back. and forth. >> Yeah, I'm sure he asked you to use his. music on one of your videos and I plan. to pay you. No, >> that's surprising. >> No, no, no. He's been on a nice coffee. hour. Okay. >> With Graham and Jack, my pals. >> Um, so, and you know, we talked about he. he we were this close to filming. financial a. >> Young Gravy. >> I will say I can't say anything bad. about Matt. >> Okay, good. Cuz he performed at my. university. He also planned coming on.

>> Gravy's good. We lost contact. We never. had any obligations with each other. I. did a lot like some stuff for him. Nothing professionally. He brought me. backstage like three times. Great guy. I. love Matthew. Alex, on the other hand, not so much. Ladies and gentlemen, you know where you. love her. Financial audits lesbian. correspondent. I need a uh uh uh what. what do we call it? Financial audit. lesbian score, please. 0 to 10. Zero. being the lowest, 10 being the highest. >> on you. Okay. I know. I have a haircut. of a like a lesbian woman. Yeah, masked.

lesbian. >> Okay. Um, >> and that. >> you sucked a couple. >> Okay. Well, I will Oh, >> I've had two in my mouth. >> So, this is more like a gay quiz. >> I've been inside two men, but you know, >> you've been inside two men, >> but it's a lesbian, >> but I am straight. I've had to figure it. out. >> You've been inside two men, but you're. straight. >> Yes. I didn't enjoy it. It was honestly. the worst thing I've ever. >> Not really. >> Take me through that because you went. inside one man and you were like, "Uh, give it one more try.". >> Well, yeah. I was like, "Oh, you know, just because the first bite's not that. good doesn't mean the second bite can't. be better.".

>> Yeah. >> So, >> uh, okay. What kind of car do you drive? >> Alexus V8 LS460. >> Um, do you like going to hardware stores? >> No. >> Ooh. Do you. have any tattoos? >> Yeah. >> Okay. >> Like seven. >> Um, I'm trying to think. Have you. watched um Carol? >> Oh. Oh, the uh the Netflix animated. series. >> Nope. >> Nope. Not.

>> Yeah. No. He's not a lesbian. >> What's the score? >> It's really not the animated series. Carol, >> two out of 10. >> Two out of 10. Ladies and gentlemen, if. you want your Hammer lesbian score, your. uh Hammer lesbian score, go to. caleb.com/leasbsian. >> I wish I would have scored higher on. that. >> And how much does Baby No Money owe you? The thing is there is no way for me to. give a number of how much he owes me. because we never had a contract. >> What's the range that you thought you. would be owed. >> with what my service was and what we. accomplished together over those few.

years. I would say at least in the range. of a few thousand, you know, traveling. to these uh events for him and to. actually cuz the real reason he put me. backstage for a few of these events is. because I had such a large Tik Tok. platform. He wanted me to promote. backstage content. I. >> Yeah. He collaborates with creators all. the time. >> Yes. But this was on top of what I was. doing for him with the meme page. marketing. I was actually putting him in. contact with all these very successful. meme pages that he had no contact with. at the time because he was a nobody. This was during this was before the. recess album dropped. Uh he. >> I like his music, but I I honestly do.

not know this. >> He was only getting a few thousand. streams a month. He was beginning and I. saw the potential in him. And I taught. him the method he uses to this day, which he was supposed to stop when he. got the money for it. But the method I. taught him was just leech. you know, reach out to these DM uh DM these meme. page people with large audiences and. say, "Hey, I'd really like for you to. use my music in a video." Um, I have no. >> intention. That's what like everyone. does. >> Well, he would tell them that eventually. he would pay them. Well, I'm not the. only uh case. There's people posting. about him now as well, these streamers. that are talking about his failure to.

deliver on his promises. And as soon as. you ask him for any money, >> starting some big drama right now, not. going to lie. This is This will probably. be online. Uh, well, this will be. online, but this will probably be uh. >> I'm I'm I'm just I'm I'm hurt. I'm not. going to lie, cuz we had a really good. connection. >> So, put a number to it. >> 20K. 20K for the success he garnered. >> Two/3 of your debt. >> That would pay off almost everything. It. would change my life. And it's nothing. to Alex. And I know he might sit here. and say try to deny. >> you. Do you don't know his finances?

>> I know it's very good. >> Oh, I'm sure he does. Well, >> very good. I know that he had made. >> Oh, good. How well? I know LA alone in. the first year of it being out made him. a little over 1.5 million. >> Okay. But after taxes, >> but that's just the first year of it. being out. And that's one of his songs. He's got. many songs that are almost on the same. level of success as La La L. >> What's Laala? >> La popped off and your girl gave me that. one. The the one everybody knows. >> Oh. Oh. Oh, I like that one. >> Yeah. I had it before it came out. I was. one of the people he trusted with that.

song. >> Is BB no money who you stuck it in? >> No. No. And I will say the funniest thing, the first per the first message he ever. sent me was, "What the you're 16 because. he didn't know." And it wasn't I'm not. saying anything bad about that. I'm just. saying he was unaware that I was as. young as I was because of what I knew. and what I had accomplished at the time. >> Okay. >> And Matt put me in contact with him. Gravy. >> Matt. Oh, >> yeah. We we were we were we became. Facebook friends, me and Baby No Money. >> Wow. >> Yeah. And we had a very close connection. for about three years.

>> No, I don't I don't I don't know how to. poke. I never poked anyone on Facebook. I thought that was a MySpace thing. >> Sorry, I'm 23. >> Anything else you want to say on that? Cuz this is all going out there. So, this is the time before we move on. >> I'm willing to have a conversation. >> with him. >> with him if he would actually get back. to me. But I know he's seen my videos. talking about it. >> He's blocking you. >> That's okay. >> No. Is he blocking you? >> No, I'm not blocked. >> I've seen him. >> Have you texted him? >> Um, I've mentioned him on my story. directly calling him out a few times and. I think there might be.

>> You haven't tried to contact him. >> I have tried to contact him. I emailed. him before asking him to reach out to. me, nothing. I reached out on other. social media platforms, nothing. And. then I made the then I resorted to the. videos which one on Tik Tok got like. 100,000 views and one on Instagram like. 150,000 views directly calling him out. for what I have just told you with proof. with evidence, you know, with our with. our messages with me backstage with him. I wish I had more, but you know, being. in the relationship I was, she went. through my camera roll and deleted. everything from before 2021 because it. wasn't, you know, she didn't know me at.

the time. So, she's like, "You have no. reason to remember any of this.". >> Maybe we'll look at those. >> messages and posts in the. post show. I need to get I want to get. back to the finances, less of the drama. $10,627.90. with a minimum monthly payment of $357. on your Chase Freedom card. How long. does this take to pay off if you make. your minimum payments only, which is all. you do, and don't purchase, which you. purchase? >> Like 24 years. >> 22 years. 22 years.

>> That's insanity. >> I'm aware. Most people can't say that. They'll just be like, I don't know how. long. >> Yeah, you're aware. Which almost I would. argue is potentially worse cuz it's not. ignorance. It's actively choosing to yourself over. And you're saying you're marrying this. girl, you're going to [ __ ] her life. over. >> Okay. And she's not the bread winner. She does okay, but she's not the bread. winner. >> I think it's a it's a it's a thing of. self-destruction. I've always kind of. pursued that. Not in like a suicidal. way, just like it just feels good to.

struggle for some reason in. relationships, in friendships, in. career, career choices. >> What are you talking about? What kind of. cope is this? >> I don't know. >> What feels good? You like getting choked. down? >> Yes. >> Hey yo, what the [ __ ]. >> Okay, so you're sub. >> masochist. >> You like being sub in life? >> Yeah, I like to get by life. >> Life is choking me out every day. It. feels great because it feels like I'm. suffocating with the debts I have. >> Great. You like it? Why would you want. to change it then? >> Because I don't actually like it. externally. I like it.

>> This makes no sense. >> Exactly. This is this is inside my mind. >> Insane. Makes no sense to me then. >> Makes no sense to me either. This is. something I've struggled with for a long. time that I'm just like, why am I the. way I am? I've talked to psychiatrists. I've been to therapy. Only thing they've. said is just, oh, take this medication. And I don't want to do that. Why would I. want to do that? And I'm already on. albuterol for the rest of my life, blood. pressure medication for the rest of my. life, Adderall. >> What? Why blood pressure? I've uh so my. debt originally started because of my. heart problems. I had uh potentially.

pulmonary hypertension which is high. blood pressure within the lungs and I. was in and out of ERS, hospitals. I was. having heart palpitations. I thought I. was going to stroke out at a very young. age because I was I was struggling with. uh substance usage at the time but no. longer anymore. And now. >> Oh well that's why. >> Yeah. >> What was your substance? >> I didn't know at the time what they were. pressed with but it was press. >> Yeah. Yeah. And I was taking a long time. throughout 2019, 2018, 2020. >> Oh, you were young. >> Mhm.

>> Yeah. >> Yeah. >> And when you have that plus uh a surplus. of income coming Oh, I didn't even. mention the meme page money. I was. making like $300 to $500 a day from. promotions when I was a meme page. >> But why did you stop that then? >> I got banned, which is why I learned how. to get people unbanned. >> Yeah, that would do it. It's Taco Bell, Sonic, Chick-fil-A, Chick-fil-A. You're. a bad guy. Planet Fitness is okay. And. then Dunkin Donuts and you've had a late. fee this year so far, so I don't want to. What you said earlier? >> What do you mean? Late fee. >> Late fee.

>> on what? >> This card. Chase Freedom. >> That's new to me. You're teaching me. something. >> Exactly. And that's what I I always make. sure you extra confirm at the beginning. that you haven't had a late fee. >> That's always in in these conversations. >> That's surprising. >> Yeah. I don't know what month it was, but it's been this year. >> Okay. That's very surprising. >> Why? Because I'm I do I know as. irresponsible as I look and I act and I. am. I do make sure that I make my. payments. I I pick up shifts if I think. I'm going to be even remotely close to.

being short, I can work seven I've I've. worked 14 days straight just to ensure. that I've got everything I need and I. have a little bit left over as well. You. know, because I do care about my credit. history. I know that it's right now, but. I know that there's something to be. saved if I take care of my payments. right now and then I actually pay it. down over the next couple years. It's a. 28.24% interest rate. You're just. spending so much money on [ __ ] here. >> I know. And the food is explainable. It's It's because I like to feed my. girlfriend. It's not her fault. >> You can't cook. >> I do cook. I just don't cook enough.

>> Well, cook more. Meal prep, especially. the budget friendly cookbook. Like, what. are we trying to do? Right. >> Yeah. >> And you feeding her is going and getting. Duncan. >> Yeah. >> Taco Bell, Sonic, Chick-fil-A, Chick-fil-A. Other than Chick-fil-A, the. rest of it is honestly just kind of. >> It is food. There's not a lot of options. in the Michigan. That's a I'm from. Michigan. That's a literal lie. I'm from. smaller town. You're in a still a major. city. >> I'm not that close to. >> You're in deep suburb. >> In the [ __ ] suburbs with it.

>> Hey yo, Terry. [ __ ] going on. >> Hey, how's it going? >> Yeah. And we have like. Checkers. We got uh Coney Islands, which. are all. >> Hey, I know where you work. That's good. food. >> Well, yeah. You'll see a bunch of those. on there, >> idiot. That's the one thing you didn't. want to talk about. Unless you're okay. with it being there. >> Uh, I'd rather not because people. already call. Yeah, people already call. where I work. >> Stop it. >> Oh, well, they probably will again if. they. >> I don't care. My management already. knows. So, it's okay.

>> I don't give a. >> Well, that's the thing about. restaurants. They hire everybody. They. hire like you got to have a major. criminal history. >> Who do you think's in the back? They're. degenerates. >> Not Not where I work, but in the past. where I've worked, uh, the the. dishwashers were convicted sex. offenders. They hire everybody in the restaurants. >> Oh, where I work right now, my. co-workers are great. I love them. Hi, guys. >> Oh, okay. You're making me do this right now.

>> What was that? >> A tum. >> I know it wasn't a mint. That's not a bad breath dig either. That's just I know. >> No. Why are you so parasocial? How do. you know I hate mint? >> Oh, gee. I don't know. I have no idea. Just a thought. I guess. >> you don't want to me, do you? >> Um, no. I don't think I do. I couldn't take the hammer. It's exit. only. Like I said, you know, you don't strike me as a. bottom. >> I wouldn't be.

>> Maybe you put this on maybe, but I don't. think so. Again, to clarify into women. Okay, >> it doesn't matter. But. um, listen here, big guy. instead of the. Dunkin Donut. >> You know what's a little interesting. about this? Cuz we're in the drama thing. here. This is your little gamer subs. >> You can give her this. This is your free. sample. You guys can get free samples. below the link below. But the reason I'm. giving you this. >> Well, you know why.

>> is Schmidy behind that? >> This is Charlie. >> Charlie. >> BB no money's friend. >> Oh, Moist critical. Yeah. Yeah, I know. They love each other. >> I'm a piece of close with people that. actually benefit him. So that makes. sense. >> Well, dude, it business. Come on. >> If Charlie got banned tomorrow, you. wouldn't be friends with him. >> Well, >> here you go. Give her this instead of. Duncan. It's 25 cents a servings instead. of stopping and getting your $4 energy. drink. Link below. Best drinks. You get. the shaker. This is what I'm doing. I. have mine. >> I will use this. >> Yes, you will. It's good.

>> I also have a. >> You can also get free samples to test. them out first. >> I don't have to have Duncan. I've got a. cure egg. I just, you know, >> honestly, curig is probably better than. Duncan. Duncan's not that good. Okay. Oh, such a distracting conversation. What is this? What am I looking at? Is. this a firm? >> Is that my affirm? Yes. >> Great. >> That is. >> What's going on with this? >> Primarily Walmart, I'm pretty sure. Um, >> Amazon Walmart. >> Yeah, Amazon. >> What's the 1260 53 from Amazon? >> That was recent.

>> Yeah, it is. What is it? >> I needed to furnish my place. I didn't. want to have a bare bones house. >> But you can, man. >> Do you guys live together? >> Yeah. >> But you can. >> Yeah. Well, I wanted a furnished place, you know, for content purposes. >> For content, you're moving out. You're. leaving. You're trying to get to Dallas. >> Yes. >> So, why? Uh, and then the Amazon 597. >> More stuff for the apartment house. Sorry. >> And the Walmart 205. >> That was our TV that I first got when I. moved to Michigan. And a pair of Skull. Crusher headphones.

>> You are a emo freak, aren't you? No, >> I look like bass. Is Skull Crusher emo? Is that what I'm. hearing right now? Oh, >> that's very emo guy. You serious? [Laughter]. >> Are you serious? >> I mean, I wouldn't even consider myself. emo. So, this is I like dark aesthetics. >> and my comical romance. >> I mean, come on. Let's be You sat at the. freak table in high school. >> Actually, I was extremely popular in. high school. >> Yeah, but you sat at the freak table. >> I was most uh likely to be a celebrity.

and I was class president uh junior and. sophomore. No, I'm not saying you. weren't popular, but you probably sat at. the freak table cuz look at you. >> Well, I I I made the freaks. I got. people out of their shelves, you know, out of their their 200 uh $6341. What's. your minimum you're owing on a firm? >> Uh the big one, the,200 I just all of it. >> in total like I think 220 240 a month. >> 240. Pull up your Amazon for me right. now. >> It is up on my recent orders.

>> and start a screen recording. And we'll. black out private. You want it? >> Give. selfie stick so he can record himself. getting pegged. We love it. There's a. video card. >> Professional carpet cleaner cuz he. pisses everywhere. Like a bad boy. sectional. >> LED. What content are you even doing. right now? The smart lights, smart. lights, foam mattress, blankets, pots. Some of this isn't the worst. We don't. need the lights cuz there's lights. There's lights. You don't need the side.

tables right now. You don't n the TV. stand, that's okay. Uh comforter, that's. okay. Bed sheets, that's okay. You. didn't need a high pressure handle for. your shower. You didn't need You didn't. need the mirror. >> So, some of it's good, some of it's bad. >> The mirror was a necessity. How am I. supposed to take shirtless furry. pictures without a mirror? >> So, we're still doing that. >> Well, the thing is, so I don't do I'm. not nude in my own. I'm not naked. I. don't. >> Yeah, but you're also not making much. money. No, like I think I do like 250 a.

month from the only uh right now I've. got like 36 people on there. I don't. promote it. >> Our subscriptions Cap Cut, Gmail, iCloud Plus, Insta 360, Instagram, and. Pix Art. >> Yes, all those. I can't get rid of any. of those. >> Wonderful. No, it pays for it with the. social media stuff you do. It's just not. great, but it's fine. I just wish the. social media brought in more money. I. don't necessarily like online product. unless you really really really want to. do it. I just don't like when people.

fall into it because they feel like they. need to do it. >> That's kind of where I'm at right now. >> What? Need or want? >> Need. >> See, I don't like it. I don't want you. to do it then. >> Well, I don't want to do it necessarily. either. >> Yeah, I really don't want you to do it. >> Well, here's the thing. This is my just. where I work. It is extremely labor. intensive and missing one day is me. losing 300 bucks or 200 sometimes, whatever. The only to me is a substitute. to being able to take a day off because. if I lose $300 for a day off, I get it. rebacked from the only. >> Is that worth it to you? >> For my physical health and my mental.

health, a little bit. It's It's I'm. hoping if I decide I'm going to stick. with it that it can make a little bit. more, but I'm really on the borderline. of just quitting it all together. Uh. it's not something that makes me happy. >> Good. Then quit. >> But it's something I do feel a little. drawn to for financial assistance. Oh, for financial then quit. I quit. Okay. What's con. >> qualify? >> Yeah, qualify. What's that? >> Um, so that was going to be our coffee. table and side tables for the living. room.

>> furniture. >> and a dresser for. >> stupid bedroom. >> Really? Your furniture right now is a. lot of your debt that's preventing you. from going to Dallas. The furniture for. Detroit is literally preventing you from. moving to Dallas. You know how stupid. that is? >> Very stupid. >> And also, why Dallas? I just don't get. it. Out of all the Texas cities, >> well, it's not going to be Dallas. It's. like when you live in Frisco, you're. going to tell someone from Michigan. >> You're going to live in deep suburbia. Even worse, you're going to kill. >> No, I don't want to live in Frisco. I'm. talking about like I'd probably be. >> No, but not in Dallas. You're going to. be in a deep suburb. >> Yeah, I like I like suburbs. 20-minute. travel to Dallas where all the money is.

25. There's dealerships all over. Grapevine. >> Oh, for dealership life. Yeah. If you. want to live in a car infrastructure. place where it's depressing to go. outside, then yeah, that's a good place. for car dealerships. >> There's just a lot of move uh movement. is what I'm looking for. I'm looking for. the ability to. >> movements on highways. >> Yeah. Well, yeah. city traffic, but uh. career path is what I'm most focused on. >> Ah, that kind of movement. $878.34. What's your minimum payment to? Oh, it's. 21.43. >> Yes. >> Is there interest on this? >> If I don't pay it within 90 days. Yes. >> 90 days from when? From now. From when?

>> From month and a half, two months ago. We just moved in. We only pay. >> month and a half, two months ago. Would. That's. >> month and a half. >> What do we So, a month and a half from. now. >> We're halfway through that 90-day. period. Yes. >> Oh, is it back interest? It's bad. interest if I let. >> Is it back? Does it is it acrewing. already and then it hits? >> No, it doesn't acrew until 90 days and. then it's uh the total of what I have. left over. >> Total you have left over starts acrewing. interest. >> Yes. >> Oh. >> And it's like 100% some crazy number. like progressive leasing. You know, it's.

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years. I I don't know exactly. did you. spend. >> well when I was released into the public. uh into freedom when I got apart from my. relationship when I was back in real. life. >> cuz I wasn't allowed to go out I wasn't. allowed to have a social life when I got. back into the world I didn't have a job. >> I was using my credit cards to stay. afloat quicksilver being one of them but. I think the quicksilver was already. mostly maxed out when I first came into. freedom I think the the freedom card. kind of saved my.

>> this is insane this takes eight years to. pay Just this alone with a $39 minimum. monthly payment. $25.88 of interest is. acrewing. >> You have to be spending money on here or. else this would get lower at some point. If it's been maxed out for years, you. are spending money. There's no other. alternative. >> I'm spending money. I'm spending money. that I don't need to be. I mean, I just. got this two weeks ago. This hoodie. >> Oh, the refinance this. I bought this. cash. >> This is uh. >> What did you spend going out to eat last.

month? >> Probably 800 bucks. It was $800. Dude, you're so This is what pisses me off. more than anything. You're. knowledgeable. >> I know my douche. >> This makes no sense. The way you're. living life, you have a goal, but you're. doing it feels like anything and. everything to not go to the goal. >> I feel like I keep moving the goalpost. >> I'm sure we'll get to that spending here. soon. 30% interest rate on this. Okay. Capital One Platinum. >> That was my first credit card. >> Oh, wonderful. What's going on with it?

You're spending. I'll tell you that. you're spending on a card that is maxed. out, that is acrewing interest that you. are not able to pay off on a monthly. basis. Why the possibly why? >> So, when I use that card, when I. actually really any of my credit cards, I typically have enough in my checkings. account to buy it outright. But then I. think, well, why drop myself low when I. can just swipe my credit card right now. and still have $900 for any emergency. things that might pop up. >> You're losing so much though. It takes. three years to pay off if you don't even. purchase, dude. >> If you don't even purchase. And it's.

just raising canes. It's nothing that's. even necessary if it was an emergency. something like you're talking about. Like that shouldn't be being taken away. from your checking account anyway. Okay? It shouldn't be because you're trying to. get to your goal and you don't get to. your goal by spending $ 3550 on raising. canes $800 on a month going out to eat. You make a good income. We can pay off. this debt in a reasonable amount of. time. You're set up for success, but you. refuse. You refuse in every way possible. to get to that success. >> Well, I've got financial anxiety. It's. like a child. >> Well, yeah. It's it's like financial.

anxiety. Like, so here's the thing. >> Wouldn't it be the best way to get from. anxoid is usually what happens in. anxiety. So, you'd be avoiding spending. money that is preventing you from having. financial security if you're anxious. about it. >> Well, I would rather see liquid in my. checking account than seeing my balance. go down for some reason. I'm trying to. like. >> No, it doesn't matter anyway. You. wouldn't have been spending raising. canes or $800 of fast food on your. checking either. So that is not a valid. excuse because that wouldn't have been. spent regardless of where. >> well it's the small payments like.

raising canes probably 30 bucks if I. have a thousand bucks in my checking. account at Leman Marcus yesterday that. wouldn't have been checking account that. was stupid but the canes I think of it. as okay it's 30 bucks right now but then. I do it again the next day oh it's only. 20 bucks and then I do it the day after. >> you know this you know this you're. saying this right now you know this you. know it. >> it's a cycle a vicious cycle that I am. struggling to get out of. >> does it help that I've never had. financial assistance my whole life and. I've been independent since I was. >> you I never had well financial. assistance in what way education or just. money? You've been made you made $20,000.

before we've ever before I even could. even conceive of that kind of money in. terms of age help and I've never like my. parents have never given like just. advice like saving. No one does. >> I feel like that's not true. I feel like. a lot of people have families that show. up. >> There's almost no one I know that got. financial advice. My financial advice. was open up a credit card and max it out. at 18 to get a piano I wanted. What the. are we talking about, buddy? That is. just such a cope for you excusing you. being a dumb raising every day that. because my friends have had financial.

help. They've had their parents walked. them through opening a 401k investment. They have great parents still. This. doesn't excuse you going to $1,000 in. markets yesterday. >> No, that was stupid. >> Yes. >> Don't regret it. I will, but not right. now. I don't regret it right now. I will. regret it, but not right now. My buyers. make sense because if you don't regret. it right now, then you're going to go do. it tomorrow again. Just like you did. with Raising G yesterday, then today. >> I won't. Yes, you would if you do not. have remorse, why wouldn't you? >> My buyer's remorse takes a little bit to. kick in, longer than most people. >> But if you don't regret it, then why. would you not purchase tomorrow again?

>> Well, cuz yesterday I was like, you. know, going out with a bang. It's like, if you're going to have a last party. ever, a last harrah, might as well do. it, right? And that was my kind of. justification for doing. >> Well, because that never works. That. never works. That's what people do with. their diets. That's what people do with. their drugs. That's what people do with. their drinking. That never works. You're. just continuing to fuel that dopamine. release that you are getting. And. apparently you're out there just. spending like 40 bucks on vapes. constantly and then giving them to. co-workers. Yes. As well, underage. >> No, no, no, no. Why?

>> Because I don't like to own one. I don't. like to own one. >> You don't have money. >> I'll get one for like a night if I know. I'm going to be with friends or if I'm. going to have a drink and then the next. day I go to work, I'll be hitting it. I'm like, I don't want to own this cuz. then I'm going to hit it when I'm at a. house and all that and I'll just give it. to someone. I'll be like, who wants it? And I'll put it up. Whoever grabs it. first. >> Oh, your generation sucks. with their addiction to vaping. It's. insane. I don't have one on you. >> I thought we were over the nicotine. addiction. Like. we we were on that downside and then you. guys just went, >> "Well, I've got no nicotine on me now. I.

can go on it without it and then I just. pick it up for a couple days and start.". >> There you go. I mean, that is still that. and it is money. Okay. I don't even know what this is. This. doesn't even have a brand on it other. than the W. What is this? What. >> Financial? That's my uh car payment. >> Okay. This is your car. >> Yeah. Okay. Okay. Very good. Car. This. doesn't make sense. You have $9,76457. to pay. You said you had a $15,000 car, but put 10 down.

>> I got a 10% interest rate and a $3,500. warranty. >> No, that still math doesn't add up cuz. your interest rate wouldn't make your. balance go up. Your minimum payment will. always be enough to make it go down a. little. >> Maybe it was 16. Would that make sense. if it was 16? >> 17. Maybe. >> I know cuz it was. >> unless you looped in taxes and. everything, too. Probably. >> Probably. >> Good. What do you think it's worth? >> I'm in positive equity. I know that. I. know that I could I could trade in value. at least 11. >> Yeah, it's right around there. 11 to 13. 13 private 11 for trade in. So barely. positive. But. >> in a way that kind of works. What I. don't like is the 10% interest on this.

cuz that's just like you're not low. You're not. >> at the time that was very low. I was a. saleserson as a used car salesperson a 9. whatever% interest rate was very low for. a 2012 which is why I jumped on it. Especially being a first-time buyer. >> Then you wouldn't get it. Also I see. people get lower rates all the time on. this show with worse finances. So I. don't know what you're talking about. >> I don't I was seeing 15 20 25%. everywhere else. >> People are getting subprime is like. above in that 20% that's subprime. borrowers. >> Well, prime used to be 6%. >> Mhm. >> Yes. And so at 9% on a 2012 used with.

almost six figures in mileage, it was a. little over nine. It's like 9 and a. half, 9.6%. >> Okay. You're not beating the market if. this money was just in the market. though. >> It made sense to me at the time as a. first-time buyer putting as much as I. was putting down, low payments, and a. low term. >> I'm happy you have an equity position. >> I do have an equity position, >> but it's just the the the rate. that I. really don't like. Why haven't you tried. to refinance then? >> My credit's they're going to look. >> the whole time. >> Not no it wasn't uh up until about 6. months after I bought the car cuz I had. bought the Lexus breakup happened like a.

month later and then everything went to. maxed out the freedom car within a span. of 2 months. >> And you have to get new tires right now. >> I do need new tires. Yeah, bagg time. >> What's that going to cost? >> 650 700. >> What are you paying for that in your. mind? >> Credit card. >> Well, okay. I was approved. >> You were afraid to take it from our. technic. I was approved for a finance. line for it, but I'm not going to do. constantly. >> No, no, I'm not going to. I'm going to. make sure I have the money for it. You. know, my means picking up a few shifts. to have a little bit of spending. >> Dude, you should pick up every shift in. the world to pay off all this debt and. budget it out and then you can move to.

Dallas. >> I would love to, but I walk at least six. miles a shift. I get beat the off after. a week. >> But you're 23. >> Yeah, >> this is time to do it. >> Yeah, I'm 23. I'm young. I'm young and. bold, but still a lot on the body. >> You can, Dude, you can do it. I I don't. want it. Come on, you can do it. I'm. happy to hear my equity position is a. positive for you. That's the first. positive all day. >> Other than your status, right? >> And the status? What status? >> Is that all your debt? >> I don't think so. No. >> What else is there?

>> Uh we're missing we're missing the 11. Did we talk about the almost $11,000. credit card? >> What? >> The Chase Freedom? >> Yeah. 10. Yeah, that was the second one. >> Uh. >> is there another one? >> No. No. Okay. So, we got through the. quicks. >> Well, there's the apartment debt. >> Yeah. >> So, what is that? 9,000. >> 95. And that was. >> 9500. Okay. Some uh um eviction fees. late. >> Oh, there's a Best Buy. >> Oh, yeah. The Best Buy credit card. That's a. >> Pull that up.

>> I can't I don't know how to I've never. >> What do you owe on it? >> 165,600 something like that. >> Why? >> I bought my girlfriend an iPad so she. could pursue. >> your girlfriend. Is that even you? >> Yes. Not even me. Uh, I bought her an. iPad so she could pursue her drawing. career and I Apple Pencil. >> Uh, she makes money from it. She makes. like extra couple hundred a week from. it. Um, >> I got a Ninja smoothie and whatever bowl. maker. And then I got a air fryer. And. then I got uh some microphones that I. needed that I use all the time. I think.

that's it. Almost bought the 360 camera on it, but. that. >> $1,600. What's your minimum monthly payment? >> I don't know. I called them and just set. it up and told them to put the autopay. on. I don't know. I've never accessed. that account. >> My guess is it's like 50 bucks. >> Yeah, >> but you say you're making your minimum. monthly payments forever and we know you. had a late payment this year so far on. one of these that we already looked at, >> which is a shock to me. I didn't know. that. >> Yeah, but that means I don't even think. you might know if you're even paying the. Best Buy one. >> I am. I know that what I am. >> How do you know? >> Because I haven't gotten any angry.

emails from them like I did the first. time cuz the first time I I'd used it, I. didn't set up the autopay. I just kind. of assumed that it would already do that. for me and it it missed a month. Then I. knocked it out, paid it down to zero and. then I let it rack back up again. >> Oh, you got medical collections, too? >> Yes. From all the heart stuff. >> Oh, when was that? >> Uh, that started in 2018. and then went until about late 2022. It. wasn't up until recently that I was. reassured. >> Oh, >> I don't believe it is owing because I'm. not giving them anything, but I think.

it's in the 30 to $40,000 range. you do. owe it your credit. >> probably 3040. >> I'll say $35,000. now listen I get it and that sucks you. can usually get on a payment plan at the. hospital I would rather do that um the. you I this sucks okay that you have that. I'm glad you're alive. >> you're willing to your entire credit for. a long time. >> well it hasn't affected my credit yet my. deductions are not from my medical debt. >> it's not on your credit. >> it might be soon a court decided that. they can be now.

>> it's been years. >> I know But a court's decided it can be. now, so it might. >> If it hits me, it hits me. I'll figure. it out. But it's something that I have. If. >> it doesn't, then you're right. I also. don't care about it. I had no choice. >> I know you didn't have a choice. I'm not. saying like rur. I'm glad you have this. I'm just talking about the impact on. your life. >> Well, the thing is, uh, it ended up. being a misdiagnosis. So, all this money. I ended up spending on everything was. totally for nothing. I So, I had waited. over two, almost two years for the right. insurance. >> I had none. I needed to get a cardiac. MRI and up front that was $9,500. >> I couldn't afford it. [ __ ].

>> Well, I could ask him what to. >> Yeah, I was going to say one, $400, either you can afford it or two, it'll. be completely subsidized and you'll get. essentially free health insurance. through the Affordable Care Act. >> I do. In Michigan, I get free I get free. healthcare. >> There you go. You right now you make. money. Why the would you have free. health insurance? >> They gave me Medicaid. >> That's disgusting that you should not be. subsidized right now. You make good. money. >> But we offer no healthcare through where. I work and I'd rather have. >> That doesn't matter. You can afford it. Why should you be subsidized to the. taxpayer while you net while you net.

alone. >> $74,000 a year net 100 gross? >> That does fluctuate though cuz the the. $500. >> he gave on average. >> Okay. Yeah. Yeah. Yeah. I just I just I. I have things I want to spend my money. on and I feel like I can't when I'm. paying for things. I like medical debt. like medical insurance and it never even. helped me in the first place when I did. have insurance cuz Texas's insurance. plans were so stupid. >> No, that doesn't make any sense. You. just have to get the insurance that. aligns with. >> one your medical needs, two the.

hospitals you go to. >> Do you know how much I would still pay. with for with insurance on. >> depends what insurance do you have cuz. your deductibles can range. >> It was Blue Cross. >> Still there's plans within it where your. deductibles are higher or lower. Minimum. payments are higher or lower. >> Well, I was still paying for my. prescriptions every time I went to go. pick those up. >> Exactly. Also depends on your plan. >> I was still paying for fat chunks of uh. ER depends on your plan. >> Yeah. So it didn't make any sense to me. I was like I'm I'm anyway. I don't have. health insurance knowledge. It's like. one of the worst things I'm at. >> Yeah, but you it literally it's very. descriptive on the website. >> Healthcare.gov. It wasn't very.

descriptive for me. >> I did. >> When I lost a job once and got very. nervous, even though I was uh making. money, I went on to healthcare.gov and I. signed up for it in an emergency fear. way. I didn't end up using it and all. this stuff, but I knew exactly what to. sign up for. It was so easy and it took. like 10 minutes. >> I thought I knew. I put everything in. I. told them my pre-existing medical exam. Don't make me the person defending our. healthare system cuz our our health. insurance is insane. But come on, there. is a little bit of accountability here. >> Well, yeah, of lack of knowledge.

>> and then you and that lack of knowledge, you just have to read the description. And two, you should not be subsidized. netting 74,000 hours. >> Well, this was new. I applied for. Medicaid when I first moved to Michigan. unemployed. >> They allow someone to move into the. state. >> I was in Michigan for less than. >> and immediately claim, hey, I need. money. >> Yes, I got Medicaid within. >> That's kind of insane. >> Molina Healthcare immediately as soon as. I moved to Michigan. There was no. hesitation. They had sent it to me that. like week after. >> That's really insane that we're just. like, "Hey, please move here and let's. support you immediately.". >> I'm blessed. I mean, I know I probably.

don't deserve it, but you know, my. medication's expensive, and when I go to. the doctor, you know, for asthma. reasons, >> by the time your episode's coming out, I'm talking to Governor Whitmer in that. chair. >> I'll take advantage of it before. >> I'm going to have to call this out. I'm. going to have to ask her why the you. paying people to I guess they want more. people to move there. >> Yeah, >> maybe that's why. >> Well, hopefully Michigan's on a come-up. I don't I don't really know anything. about the economy. >> Technically slightly increasing. >> First time in decades. Okay. No more. debt. I don't think. Right. >> I don't think so.

>> 293 in our checking account. Ended or. started with 60. >> Mhm. >> That's what we're trying to protect. Yeah. If we don't have any money, I. guess. Apple cash sent out who knows. where. Uh you went to Texas Roadhouse. You cashed out $25. Wendy's. oil. That's fine. Probably oil change or. something. or maybe gas. Apple cash sent. out. Chick-fil-A, McDonald's, Paris, Baguette, Apple. Cash, Party Store, KFC, Apple Cash. You.

send a lot of Apple cash out for what? >> Um, usually when my girlfriend like will. buy me something or she'll like from. >> Stop. We can't do that. You just can't. do it. >> Well, she's also in charge. >> You went and got some bull. McDonald's, Starbucks, $5 from the gas station. What. are you getting? >> $5 at the gas station, $5 gas. Doubt it. >> probably. Yeah, >> really. >> I can't think of anything else. I don't. buy alcohol. I don't buy cigarettes, >> snacks. There's drinks. There's. >> Maybe I got a Coke Zero. >> There it is again. Dude, gamer subs. Use.

it. 25 cents a serving instead of your. stupid $5. It's just like making coffee. at home if you want your sweet treat. that way. You shake it up and it's 25. cents. Yeah. >> Is there caffeine in it? >> Caffeine free and caffeine depending on. what you want. I do caffeine free. Okay, >> cuz I I do coffee for my caffeine in the. morning. Apple cash ATM withraw ATM. withraw. McDonald's cash app going in. getting some [ __ ] Chick-fil-A Prime. Bob Evans. I haven't heard of that in. forever. Who goes to Bob Evans?

>> I do. It's. >> good. >> Sonic ATM with Ros Starbucks. >> My Discord. I pay for a bot that man. moderates it for me. >> How many people are in your Discord? >> 1100. Why? Lady Jane, Apple Cash, Pizza, Taco. Bell, Door Dash, Apple Bill, Panera, going in the [ __ ] McDonald's, McDonald's, Carw Wash. It's not even the. winter time. You You don't even need it. right now. Chick-fil-A, Lady Jane, Apple.

Bill, Brew, like some Brew Ligins, Cash App, HomeGoods, going into. [ __ ] Apple, Blue Margarita, getting. some [ __ ] Wendy's, Arby's, Touch. Tunes, Drink Saloon, Fort and West, Foo, Lemon's Concessions, Bog House, Amazon. Getting some [ __ ] again. 25 cents. Big U. Uh, there you go. You stopped. inside. $3 there again. 25 cents.

McDonald's, Swirl, Tomatoes, Tommanos, Pizza Amazon Prime, Bath & Body Works, Marshalls, Panera Bread, Buffalo Wild. Wings. Oh, went and got some [ __ ]. Scoops Ice Cream, Lady Jane, Spotify, and Pole Factory. >> Pole Factory. >> I don't know. Pole Factory. >> Oh, Pac Factory. I don't know why it. says it's a vape place. >> Savings went down from 625 to 310. Well. done. Winner. >> Chicken dinner. Bunch of chicken dinners.

on there, actually. Let's see if we can budget this. It's. going to be interesting cuz I want you. to get an idea. I want you to be able to. move to. a place that I don't understand why. anyone lives, but a lot of people do. >> I mean, I love Dallas compared to. Detroit. It's way better. >> Yeah, everything compared to Detroit, of. course. >> I saw you wearing a Lions jersey. >> Oh, yeah. I support my home state. Austin FC here, Lions there. I'll. probably support like New York.

basketball or something. Who knows? Okay. Nean Marcus, $40. Then $357 for. the freedom card. Then $240 for the. Affirm. $2143. for the qualify. But we got to Well, actually, I'm not freaking out of paying. that off early if there's not any back. interest. We just need to focus on. smallest debts first. Quicksilver 39, Platinum 25, car 258.92, Best Buy $50, and I doubt you're not on.

a payment plan for the medical, correct? No. >> Your debt minimum payment is $1,211.35. What's your rent or your portion? >> $475. >> Detroit, ladies and gentlemen. >> For a house, >> utilities, >> uh, probably another 150. >> That including the internet? >> 200. >> 200 for internet? >> 200 for everything? >> Oh, 200. Okay. For all utilities. Good. Phone bill? >> 112. >> E, you obviously owe on your phone, right? >> Yes. >> Cuz you got your new When you pay that. off, switch to Helium if T-Mobile's good.

in your area. I know it is in Dallas, so. you can do that. It's the budget. friendly. Same service and everything though. Uh. room from drive drive gas cuz I know. you're obsessed with gas cars. So how. much? >> How much do I pay on gas? >> Yeah, >> I'd say a buck 50. 150 a month. I don't drive much. >> Okay. 150 car insurance. Michigan most. expensive car insurance state. >> We'll say 200. >> You don't know? >> I'm on my dad's plan. >> Do you pay it? >> No. Oh, then we're not putting it in.

your budget. >> But I would like to have it in the. budget because I'm getting insurance. I'm not going to be on this plan for. very long. I'm off. >> But when when do you have to start it? >> Probably next month. >> Oh, so 200. >> Yeah. So, I'd like to put that in there. >> It'll be expensive in Texas and. Michigan, but Michigan more expensive. >> Oh, great. >> Necessary food. 300 is what you can. contribute to the grocery pile. Meal. prep. Meal prep. Warm up. That's it. >> 300 a month on groceries. I don't know. if I can make that work. >> You can with math, >> but also feeding someone. >> No, that's what you can contribute to. the pile. She can contribute 300 as. well. >> Okay. 100 to the TP fund, toothpaste,

anything else you need, toilet paper, all the good stuff. Medical healthcare. co-pays on a monthly basis. Do you have. that? Nope. Good. Do you have health? Yes, you do. Right now, you're on. Medicaid, but you'll be kicked off come. next tax season. In fact, this is. someone who hasn't filed his taxes in. three years getting Medicaid. Isn't that. wonderful, ladies and gentlemen? Our. country is so good the way we do that. the way we do things. We're just. incredible. >> Okay, subscriptions. What did you need. for your business running? >> Uh, cap cut. Just how much? >> 75. >> 75. I'm okay with that. Do you have any.

pets? >> Two cats. >> Okay. Ages and health. >> They're uh they're a year old each. They're they're they're cheap. They're. very healthy. >> Health. >> Very healthy. >> Do $100 in pet insurance. How much for. cat food? >> 50 a month. 20 on litter. >> Anything else that needs to be in your. budget that I Oh, and then 20 on litter. Okay. Anything else that needs to be in. your budget that I have not taken in. account? >> Oh, no. You already got car note. No, I. think that's everything. I mean, it. should be pretty chill. You just don't. know how to not go to Nean Marcus like a.

dumbass and spend on fast food or going. into a gas station getting some [ __ ]. single day. >> Yeah, the food one's huge. If I stop. food, I could easily pay another $1,000. a month. >> $2,993.35. needed to survive on a minimum basis. right now in Dallas or in Detroit. Meaning now, is that average that. $6,183? Is that average a month? >> I think that might be a little inflated. >> Okay, then how give me a full average. I. would say realistically on a. >> everything like a. >> no average month. >> 45. >> easy. >> Well, that's very different. >> 45.

>> Okay, we're going down to $4,500 now. But you still have an extra $1,500, $6.65 a month. Let's just call it a,5. >> Y. >> that's if you actually budget here. Let. me give you $250 of fund. Okay. $250 of fund. You budget that where you. want. Use the dollar wise budgeting app. Uh 1,250 is leftover. Okay, we're not going to consider the medical. We're not going to consider the. apartment debt. So, your debt besides. that right now is $25,313.

Divide that by the 1,250. Well, I mean, we pay that off in under. two years and then we save up more. We. Yeah, we if the medical's not in. collections, fine. We're not going to. worry about it. I know they'reounding. you, but until it shows up on. collections, we're not going to care. about it. It keeps going down when they. contact me. It used to be like, "We want. >> They're probably trying to settle.". >> Yeah. >> An apartment. Hopefully, you save them. an extra 4,000. So, call it a full 2. years total. You offer that over and. over again until they accept it. Never.

give them access to your accounts, obviously. >> Um, so two years to pay off your debt. Can you do two years to pay go to. Dallas? Listen, you can you can move to. Dallas if you sell your move there cheap. and live on the grinds. When I first. moved to Austin, I slept on an air. mattress for 9 months. Listen, you're. not going to do this with your. girlfriend, but if you guys save up a. little bit of money, move to Dallas, make more money, and you're able to net. more in the end. I'm still okay with it. You don't have to do this before moving. to Dallas. You just have to make the. math make sense. But it's a 2-year debt. payoff process. Call it another 6 months.

to save up a fully funded emergency. fund, maybe 9 months, and you're fine. You can move to Dallas or not between. then. Just make the math work. >> Okay? >> And I'll get you a course career. certification as well if you want to. find a higher paying job as well. A lot. of people in the audience have done. that. I'll get you one for free. Um, but. that's where we are. That's where we. are. Okay. And that's not that bad. Use. the educational products we get. You. sign up for the dollar West budget app. >> You can do this, buddy. I give you $250. of fun and you still get to do this in. less time than most people. >> All right. We're going to do more drama. in the post show and I guess an an extra.

weird finance thing that we didn't get. to come up. But I'm going to give him a. financial score first. Spending a budget. 010. You overspent. Debt, there's. collection 010. Emergency fund took it. down. Not even a,000. 010. Retirement. Don't see anything worth 010. Real. estate zero out of 10. You thought you. were two. You hammer financial score 0. out of 10. Get yours at calehammer.com. and now click that join button. See an. extra 20 minutes of this episode by. watching the financial a post show and. three premium shows every single day. Monday through Friday including behind.

the audit, behind the episode, fat and. fatter and many more. Love you guys. Bye. I want to see the communication you. gave to BB. >> A lot of people not like him. >> It's starting to shift that way. >> Is it? >> It's shifting because people are. starting to realize he's performative. He's not actually what he says he is. >> Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.