Financial Audit's Most Disgusting Guest

And I'm told you think you can make. 10,000 hours a week selling feet pics. Well, I mean not just feet pics. >> You're kind of feet are. >> of other stuff. Okay. >> Yeah. Like farts and diarrhea. >> Vegas heat. You're actually probably. just like a four out of 10. You're a. >> Yeah, you're a four out of a 10. I'm. like a seven. >> See, what do I do with this? >> great personality. >> Your inflated self-worth is. ridiculous and you think you're worth. Hey, you're muted by the way, Jen. >> Shut up. I'm talking. The summer budget reset is now live. Get. a full year of Dollar Wise Premium plus.

my four best-selling educational courses. and a digital copy of my budget-friendly. cookbook and my exclusive 30-day meal. plan signed by me and mailed directly to. you. This is a better deal than we've. ever done before and it's only for a. limited time. It is 67% off everything. So, don't wait until that first pool. party to get financially ripped. Click. the link below, save big, claim your. bonuses now. Hi, my name's Veronica. I'm 37. I'm from. Las Vegas, Nevada and this is. >> [music]. >> financial audit.

Yes, it is. Thanks for coming over. I. appreciate it. Uh what do you do in Las. Vegas for a living? I am in accounting. construction. That's not what I was expecting from all. that. Accounting. [laughter]. Okay. So, accounting construction, I. assume that is accounting for. construction. Yes. What do you make? 76. Not bad. Especially Vegas, that is I. mean it it's it's definitely gone up in. cost of living, but still compared to a. lot of places, you know, people go there. for a reason. It is a bit cheaper than.

building a lot. That's good. So, what. hits your account on a monthly basis? What do you mean? What dollar amount, we. can be more literal, hits your account. on a monthly basis? >> Well, what did you think I meant? What. comes out? >> [laughter]. >> Okay, so I make 1105. a week. Oh, okay. 1105 * 52 / 12. Okay, so on average. >> weeks in this year, by the way. I'll get 53 paychecks this year. Oh,

why? Cuz I get paid every Friday. Okay, so there's a bonus Friday this. month? Yes. Okay, what is that? 11:05. you said? >> Yeah. Okay, but only this year. But even. still, okay, okay. Okay, times 53 I guess, divided by 12. So, you're averaging $4,880. a month, yeah? Mhm. Does that work? Does. that sound right? >> Yes. Okay, good. So, why do I have. essentially what was said here? Cuz this. isn't really line up with your job. It. was essentially you kind of a divorced a. guy.

so that you go pursue being naughty. online to make money. Well, yeah. I. mean, it's a really lucrative business. >> It is, but clearly that's not what. you're doing. Sounds like that game plan. didn't work out if you're working in. accounting. Well, I mean, I started out. in accounting. I mean, I've been doing. accounting for Well, I know you started. out in accounting, but when I just asked. what your job is, you said accountant. So, it's not I didn't ask what job did. you start out and I asked what do you do. for a living. You said accounting. Yeah. But that doesn't line up with the what. I'm have been told.

of you leaving your husband so that you. could go be naughty online. Yeah, I want. to be a dominatrix professionally. Okay, where's the income in dominatrix scene. currently? I mean, I'm told you think. you can make $10,000 a week selling feet. pics. $10,000 a week selling feet pics. maybe, I don't know. That seems pretty. intense. I don't know what. you're kind of. >> just feet pics. You're kind of feet are. A lot of other stuff. Okay, well, yeah, probably. >> wear socks. Like fortune teller outfits. >> Woah.

Dude, you're not Amaranth. I have a. really nice ass. No. You're not. Amaranth. And no, you don't. You're not. Amaranth. No, yeah, I'm sorry. No. Nobody Mhm. This is not true. Oh, should. I be mean already? It's only 3 minutes. in. I'm sorry, just no one of your. class. No one of your spawn. Wait. And age combination has a nice ass. It's just like. I've been told otherwise.

By many many many men. Do those men look. like Tyler? >> than you are. Do those men look like. Tyler? Cuz Some of them, yeah. Yes, okay, because that would that would make sense. for everyone else. Actually, most of. them are. uh white guys who just really want to be. human wallets. Okay, so. losers and weirdos and freaks. >> Yeah. >> So, okay, but no one normal. Okay, listen, I'm not just I mean, like what's. your idea of normal? Uh someone that.

doesn't want to be treated like a. wallet. I mean, what are American. citizens? Human beings. What are you. trying to get? >> to the government. To the government? Then every citizen is a wallet to the. government in that case. >> I mean, like that's normal. I don't. think everyone enjoys paying their. taxes, though. Well, nobody does. >> Well, there you go. So, I don't think. they enjoy being You said you like. people or people like you who want to be. a wallets. That's different than. those that are forced to at gunpoint. Okay, no, I. >> I understand that. >> Yeah. I'm sorry. It's just like okay, I.

wasn't. really trying to bully you out of the. gate, but you're just saying like I When. you just say I have a nice ass, I mean, let's be just. honest for what the majority of people. would think. It's just like come on. Just starts breaking down. I didn't say. it was perfect. No, I didn't require. perfect, but just nice. I mean, okay, whatever. >> Yes, it that happens when that happens. I I get it. Same thing happened to me. I. mean, that doesn't make it nice. Whatever. Oh my gosh, I'm not trying to.

go down that pipeline. You keep making. me go. >> [laughter]. >> No, it doesn't. >> Yes, it does. >> How? Do you not like big ass? Okay, yeah, sure. Let's define what I like. Um. sure, yeah. A nice. large butt is good, but usually it's. attached to just like. when it isn't just all fat. And it isn't getting like I don't know. what it's described as, but when it's. like First of all, there's. stretch marks. There's I don't want to. go all this.

>> mean somebody who looks like you really. shouldn't have this much like. particularities into who you're. attracted to. >> In terms of who I'm attracted to, I. don't think who you're attracted to. comes from what you look like. People. just have attraction. I like just. conventionally attractive people. No, why would I lower my standards? Listen, I don't care what someone's. >> you're a basic white boy, so I guess. Sure. Yes, okay, very good. Listen, it's. it's I'm not trying to. The entire intent I wasn't going to call.

you ugly or anything like that. necessarily, but the thing is you're. like thinking you can make 10,000 hours. a month doing what Amra is doing with. her giant butt. >> I'm. >> Shut the up for a second. And. you're saying no one gives a And you're. saying. >> [laughter]. >> I beg to differ. Okay, well, yeah, you're keeping your accounting job. So, clearly it's not working for you, is it? >> started. Uh-huh. Yeah. >> Not working very well. Leaving your guy. for that, pathetic So, the thing. is. I wouldn't have talked about your butt. >> by leaving him because he was a piece of.

Yeah? Yeah. Oh, yeah. He's the. reason I'm in so much debt. Why? Why? Because he wasn't a partner. Uh-huh. And. I was in a situation to where like Are. you sure that's even what you're looking. for as a partner, not a little slave. boy? Actually, you know what? It was a. one-night stand that turned out to be a. really good lay, and then turned out to. be a really great friend, and then we. started dating, and then I. >> Seems like all your choices Shut up. I'm.

talking. >> about to do the women and accountability. thing? No, I'm saying that like he we. moved in together in his parents'. carriage house. Still your choice. I'm. Yeah. Well, I mean I didn't really have. a choice. I didn't have anywhere else to. everyone has everywhere to. move. I mean, if you. >> good money. You've been making good. money. I did not always make good money. That's very recently. Almost 13 years. Okay, so how many years ago was this. into this carriage house? Six months.

ago. You weren't making this money six. months ago? No, I just got a raise this. year. Six months ago you weren't making. that much? Uh-uh. What were you making? It was like an 8% raise. >> yourself. You could have had somewhere. to live. You're just a. no accountability. >> [laughter]. >> And I can use this literally. >> Well, yeah, you know, well, actually no, I'm not a. because I don't get paid. Oh, great. career decision. >> [laughter]. >> That's going to get you somewhere. Well, I mean, you got to practice. I'm like, I. I've been out of the dating game for so.

long that like, you know, I got to like. grow out and find out. Like I'm trying. to find like my niche, you know? >> I thought you did. >> Yes. Black man. No. Racist? I mean, there are BBC. There. is a lot into BBC. There's a lot of like. white guys who are. into white guys. That's not what I said. I said there's a. lot of white guys who are into. and like watching me be dominated by a.

BBC. It's so specific. Like several guys have. asked me. Oh, or these. uh. boys who want to be called baby boys and. then want to call me mommy. What the is wrong with this world? >> [laughter]. >> Why doesn't she go get yourself just a. just normal woman? What are we doing. here? >> Normal women don't exist because of the. patriarchy. I don't even know what the. that means. I'm dating a normal. woman. You think so? As far as I know.

>> [laughter]. >> I just mean like someone that's just not. like. I don't want to be mean. Oh, you're just okay. Yeah, whatever. Listen, if they're paying for it, whatever they're into it, you have a. nice ass according to them. I don't. know. Um. You just suck me down these rabbit holes. when you position yourself up here when. you're probably right here. And like at. least I know I'm right here. It's like I. don't try to put myself right here. >> me down here. Oh, it's. >> me feel down here. And then I broke up.

with him. I left him. And then I was like, "Oh, yeah, that's. right. I'm really pretty." I mean, it's. all right. Like. Oh. It's like what do I do with that chat? I. I'll be the internal monologue and this. is not your show. What I am struggling. with right now, uh chat, is like what do. I do with that? Cuz I would look mean by. being realistic in the fact that uh in. no conventional sense or in any way. whatsoever she can say pretty. But also. we live in a world right now where they.

are endlessly hyped up by other people. who are not realistic around them, especially the women. Um so they know. you're pretty, you're good, you're a. great queen, and all this stuff. And. then you look like a dick for saying, "No, you're actually probably just like. a four out of 10. I'm a four out of 10.". But at least I'm realistic about it. >> four out of a 10. I'M LIKE A SEVEN. >> SEVEN. I'M A SEVEN. SEE, WHAT I do with this? >> personality. >> There is an interesting thing happening. right now where at least men understand. where they. are on the scale. You know what? You.

know what? You know what? You know what? You know what? You know what? You know. what? You know what? You know what? You. know what? You know what? You know what? You know what? You know what? You know. what? You know what? You know what? You. know what? You know what? You know what? You know what? You know what? You know. what? You. >> But I know where I am. My confidence is. realistic. I just called myself a four. I know I'm a four. I'm okay with being a. four. You're delusional and think you. you I'm a seven. >> need you to bring you to realistic town. >> I'm a seven. >> reason you've made zero dollars. Got you, The market. is realistic whether or not people. around you are when they're trying to be. nice. >> clients on these dating apps.

>> Uh-huh, actively looking. >> Yeah. That has not worked. $0. The market has. confirmed you where you. to my point. Because women on apps, money. if they look good. Um, the thing is, it's not it's it's a literally not to be. mean to you. That's the hard part. because I know I'm looking like a dick. I really do. Um, but it's so complicated. cuz the Cuz you are a dick. Sure. But. the reality is people have hyped you up. to here and every single ugly person.

right now is getting hyped up to here, but at least she's a normal ass dude. We. know we're down here. The market has. confirmed that you're down here. But for. some reason you've been hyped up so much. to be thinking you're up here. I don't. understand what it is. And that's why. you've made $0. The market has confirmed. it. And I just need to be realistic. about it because you think you're going. to make a bunch of money off of this and. you have left your boyfriend for this. you. I mean, this is not going to. work. >> boyfriend just for that. I left him. because he's a drunk. Okay, well, that's. also a good reason to leave. I don't. know why you stuck around for so long. Well, I was comfortable. Being with a. drunk? Yeah.

And the rent was cheap. Well, that might. be a reason. >> Also, we had dogs together. Okay, yeah, that complicates it a little, but not as. much as like a child or something, but. No, my dogs are. >> They were my They are my children. >> dogs are my children, too. I get that. But if we're also just again I. sacrificed my dogs so I could get away. from him. >> to do sex work, great. So, but the thing. is But doesn't that sound like the best. kind of job?

E- Even if it's not even in person, it's. just online stuff? No, I prefer in. person cuz you get to choose the. clientele. Yeah, I mean, I'd love to get. paid to. I got you. I got you. That sounds like. the most fun job. I'm not shooting it. down. >> Especially if I get to just tell them. what to do and I don't even have to them. and then they pay me. >> Well, yes, but you have to get hired for. that and the market has demanded that. you are not $0 again. Once it.

Again, with the dog thing. I mean, the. conversation. My dogs, I probably have. the same mentality as you do, but just. like where you're rating yourself up. here, I have to be realistic. There is. the real world where it is not the same. as a human. In the end, when it comes to. the complications around separation, Yeah, I know. I left the dogs with him. Yeah, see? There you go. >> Which is sad, and I'm sorry. That is. hard. So, you're currently paying for. eight different apps to find these. clients, and buying kink equipment, and. filming equipment, and again, $0 is made.

because the market has shown that you're. here. I'm investing in my future. >> Oh, yes. That's great. That's every. every small business American. Like. starting dating apps, and the dating. actually, I had to buy underwear. Like. >> No previous relationship was. underwear-less? No, it was just like. regular. like everyday undies. Not like. these aren't going to be worn for very. long kind of panties. But doesn't that.

the point is that we wouldn't see you in. them? No, that is the point is you see. me in them. Also for pictures. Oh, yeah. The pictures. Pictures. Oh, yeah. Yeah. Mhm. And filming equipment, like phone. stands. >> Oh, make me imagine this dude. >> And vibrators. Oh, for. And a strap-on. Imagine a.

visceral person. >> like this is like on my bucket list in. like the next 2 years is to like I'm not. making the show sexual, people. This is. a top a really strong man. God, I want to do it so bad. It's weird. I don't know Okay. Okay, yeah. You do you. Well, listen. I am. doing me. I am doing me. I know, but I. just want you to make money and actually. do so. How was that Me, too. I'm getting there. I'm just, you know, I'm starting. >> would be almost getting No, how much.

money have you put into this thing, all. this equipment and and stupid. >> absolutely no idea. >> [laughter]. >> Yeah, so it's all your ex's fault. Oh, I mean, the debt, for sure. You got this entire month that you made. $0 on. >> Half of Half of the debt. Most of it, probably. >> put it all on him then when you say half. of it is And then this last month you. don't even know what you spent on. something that you're making $0 on. What. is this accountability thing? Why are. the women I'm sorry. It's It's It's No, I'm going to finish my point. Let me. finish my point for Let me Mute her mic.

MUTE HER MIC. WEST, MUTE HER MIC. OKAY, thank you. You're muted right now. No. one can hear you. The point I was trying. to make for a second is that it's not an. all women thing cuz I don't want this to. come off as a gender war red pill thing. It's not that There's I would just. like The majority people on the right. and left are normal. The majority of men. and women, they are normal. The But the. thing with you. You're muted, so no one can hear you. The thing about people like her that. just blows my mind is why are You're.

still muted. Why are the women that are. the ugliest that think they're the most. attractive also the least able to hold. accountability to themselves and only. blame other people. Now, don't get me. wrong. There's freak men that do the. same thing. Weirdo incels that blame. Um. all this like women on them not. being able to get laid. No, you're a. loser. But you're the weird. polar opposite as well where you your. self-inflated your inflated self-worth. is ridiculous and you think you're worth.

Hey, you're muted, by the way. And. you're so beyond thinking you're all the. way up here and then the moment we dig. in to your responsibility of your debt, we learn real quick that no, half of it, minimum, is actually your fault, not all. the acts. You don't even know what you. spent on this hobby that makes zero. dollars last month. So, the weird. connection between an ugly. literal sense, that you're muted, no one can hear you,

and away from a mic, that thinks she's. all the way up here but is actually here. is also that far away from. accountability, the correlation's quite. crazy every single time. Okay, we can unmute her. If you would like to respond, now you. can. You're so trash. >> Trash? That was that that's your rebuttal after. all this is I'm trash? Am I trash? I. don't think I'm trashy. Am I trashy? I broke up with my ex. because he was not a partner. He did not.

help me. When I got fired from my job. because of COVID, I had to still pay my part of the. groceries. >> 6 years ago, by the way. >> I still had to pay for my part of the. rent. I still had to pay for my car. payment. I still had to pay for my car. insurance. I also financially support my. mom. >> years ago. I don't like what the. >> financially support my mom. I pay for. the phone bill. >> of people do that. A lot of people do. that. A lot of people do that. >> for her internet. [clears throat].

>> of people do that. >> He doesn't have bills. So, what is it? How old is this? >> help me and it took me. >> change your accountability? >> He didn't help me at all. >> years ago. >> Yeah, and then I got a job. Where is your accountability, dude? >> I wasn't making enough money to pay off. any of the debt. And then I was working. at a temp agency and then I got fired. again. >> job. Stop getting fired. And I. as a temp, like you can't help that. >> Yeah, get a better job. You know, back.

then was the best employment market in. the history of the United States for. people without qualifications. >> up. I'm talking. There was in a time where he would. assist me when I needed it financially. He was always no, that's your job. No, you do that. When he was only paying. >> ago, I don't give a a fourth of his. or a quarter of his income, he was. paying for bills and the rest of it he. spent it on alcohol. And he didn't help. me at all. That sucks. >> But it was through our entire.

relationship. >> is it only you being able to get help. though? Why weren't you able to do. anything on your own? Why is it if he. didn't do something you couldn't. survive? Where is your accountability? You're right, in a partnership we should. be supporting each other. I am on your. page with that and there's probably a. lot there where he should have manned. the up, stepped the up, and. certainly stopped drinking and got. himself under control. But if the fact. that we're talking about you not having. any accountability go to six years ago. during the pandemic and then you. couldn't find a job, all you got was a. temp job when it was literally the best.

employment market and you were in a boom. town for what it's worth. Vegas, there. was jobs galore. Places like Austin, Vegas, Florida. >> hire whoever they wanted and I barely. had any experience. I'm also a college. drop out. >> it was still the best experience time. for people without degrees, without. qualifications. That pandemic era was. the best time in American history in. terms of a job market. So, where's the. accountability? >> took me six months to find a job. It was. the highest employment rate in history. Yeah, but that's on you then. That's on.

you. I don't care that it took you six. months. You can't blame them for that. That's still on you. Where is your. ability to have any accountability? >> time. I wasn't getting unemployment. >> Where's your accountability for. anything? Why weren't you getting unemployment? Because it was a backlog. What? The. backlog during COVID, the pandemic. I. was still. typing it all in, submitting it every. week. And it took six months. So, I had absolutely no income. So, I.

was doing side jobs, making cash, just. enough to pay bills. Yeah, well, yes. And then probably if you're able to make. enough just pay bills do more. He still. had his job. He was making $55,000 a. year and he didn't help me at all. >> And he should have, but the fact that he. didn't, why does that alone define your. entire life? Why weren't you able to do. anything for 6 years? 6 years, I understand 6 months of. struggle and he sounds like a little. >> Yeah, I know. It should have ended 6. years ago. >> And he sounds like a little And. I'd beat the out of him if he was.

here, okay? Listen, he sounds like a. horrible. >> Both, dude. He sounds like a horrible. partner. I'm not opposed to that. But. why the could you not take any. accountability or do any thing for 6. years? And if you were able to like. that, make enough money to pay your. bills, why couldn't you do a little more. to make extra progress? Using the logic. that you had, man. I don't know. It's like I'm. I don't know. Maybe it was like. vindictive. Yes, I will tell you exactly. the real answer, by the way. When she.

was over there being a defensive little. even though she wasn't saying the. truth, she told Colton in the. pre-interview and everything when she. was less angry because they get you to. spill the. tea and beans and everything. She said. she was basically retaliating. She was. angry. So, she would overspend when he. pissed you off. Yes. >> [laughter]. >> But it's my money. I CAN DO WHATEVER I CAN IT'S MY MONEY. I. can do whatever the I want with it.

Her and accountability. >> how he set the relationship. Your money. is your money. My money is my money. Her. and accountability. Drowning in student loans with massive. interest rates? I see it on the show all. the time. People get a loan to advance. their careers only to be left with. sky-high interest rates and crazy. minimums that leave their paycheck. gutted. Maybe you've already gone to a. normal lender to try to refinance your. private student loans and they looked at. your less-than-perfect credit score and. hung up the phone. Maybe part of you.

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and for all. You suck with money, so you. download a budgeting app. You start with. the classic one, YNAB, but everyone just. deletes it because it's way too. complicated to use. So, you go to. EveryDollar. That's Dave Ramsey, the. personal finance guy, right? Well, they're going to force you to use it his. way. That's not very personal finances. Rocket Money that you got a lot of. commercials, but they're owned by Rocket. Mortgage. Guess what they want to sell. you in the end. Then there's the new guy. on the block, Monarch. Hundreds of. millions of dollars of private equity. raising so far. But, private equity.

doesn't have the best track record when. it comes to private data. That's why I. like Dollar wise, built by these people. just like you, for people just like you. >> [music]. >> No private equity, no gimmicks, just the. best budgeting app there is. Download it. now, start the free trial. dollarwise.com, link in the description. below. Miles apart. The moment I pull a. previous quote from you, everything you. just said you threw. out of the entire conversation, man. It's nothing. It's nothing. You've lost everything.

You lost all credibility in any kind of. accountability or blaming it all on him. My money, I spend it. TRASH. NO. >> [laughter]. >> GREAT. SO, I'M PROUD OF YOU. SO, YOUR. correction for all this is you just. started an OF. and FetLife, whatever the that even. is. And then, oh, you got your first OF. subscriber. Fetish lifestyle. Hey, remind me never to get that if this. is what's on it. Okay, so you got your first subscriber. Congratulations. Who's it from? I don't.

know. Some guy in another country. How. did he find your account? From TikTok, actually. What are you. posting on TikTok? Just basic stuff. What's basic stuff? Nothing to do with. any of it. But do you have like link in. the description below? >> like sent me a message and he asked me. if I made custom content. And I was. like, actually, So, how much You don't even know how. much you're spending on all these apps, all this to get all these people to. pay you for you. Why do you think you're. going to be Okay. Why do you think. you're going to be successful in this? You got your first subscriber and you've.

made $0 from the thousand you've spent. on it. I haven't spent thousands. You You said you don't know how much you. spent. Well, it's definitely not like a. thousand. I don't know, man. If you got. video equipment and all that I. don't have video equipment. It's like. tripods. I was videoing Okay, well, that still. counts. >> You know. And a strap-on. Yes. Why do you think you're going to be. successful in this? >> Uh because I thoroughly enjoy dominating.

men. Congratulations. I enjoy a lot of. things, doesn't mean I'm going to be. successful in it. Why do you think. you're going to be successful? Yeah, the. industry is. Why do you think you're. going to be successful is the question. >> who you know. Who do you know? Uh well, I live in Vegas and. they have the conventions. and, you know, there's connections. You. know, you can go to conventions whether. or not you live there. But either way, sure, continue. Let me try and like. mingle and schmooze and, you know, get. to know people and.

>> have no business plan. Um there's a. There's a BDSM community and. >> Everywhere, by the way. Right. Well, I. live in Vegas. >> Vegas, Austin, the four biggest in the. country. >> saying that in Vegas, where I live, there's a BDSM community and then I'm. involved in. But I just started. You. were not able to tell me why you think. you were going to be successful. The. only answer you had is I like it and I'm. going to mingle. That's what everyone. does in everything. You have nothing. unique that is going to make you stick. out that you're able to tell me. about you being successful.

>> So, um I like doing the mommy kink. stuff. Okay, you like. That's not a. reason. >> it, but I'm also researching. I bought. some. >> a potion she's researching. I've. listening to audiobooks. I've got equipment. I've paid for some. um. like master classes. Okay. >> [sighs]. >> Can I see what's in these apps of you. getting these guys?

>> meeting a guy while I'm here. There's a. guy in Galveston I'm meeting. >> Here? Texas is big, girl. That's like 4. and 1/2 hours away. It's 3 hours. Galveston, I think is a little further. It's 3 hours. He says Whatever, it's not my problem. He's coming here. Oh, he's coming here. Okay. Uh what are you making from this? Nothing. See? Colton had that as a little note to help. her out as like she's actually making. progress. And then he just reacted when.

she said that as. Dude. He just gave like a Why'd you just. me? That was the reaction Colton just. gave because HE SET THAT UP AS a way to. help you against me. >> time doing it, so it's. practice. It's practice. >> Sex? We need sex practice? You're 30. up. blows my mind. 37? Nope, I mean yep, you look 37. Um You're 37. >> look 37. You're right, you do not look. your age. Okay, so why do you need practice at 37.

of sex? >> done I've never done the. >> Okay, guys, I I haven't been feeding her. sexual stuff this conversation, but I. have to for a second cuz we have to. learn unfortunately if she's giving it. up for free, what are you guys doing? Uh so he wants to call me mommy and he. wants to suck on my nipple and fall. asleep in my lap while I pet him and. call him a good baby boy and that I love. him. What is complicated about that to. need to practice?

Cuz you know, like stage fright in. person. What? He's laying on you and. sucking your while you pet him and say. good night. I don't know. I just I. that's the one thing I'm having a hard. time doing is asking for the money. What? I know, which is like the whole point. Well, yeah, you're a Almost. Almost. >> I know, you're trying to get to be. >> [laughter]. >> Um uh-huh. Okay, yeah, let me see how you're doing. these in the apps. Show me. Whatever the. biggest used one is, let's see how. you're doing it all.

And it's Android, I don't know how to. start a screen recording, so if you. could for me, please. Thank you. Cuz you. were bragging to Colton that you were. trap talking to 50 guys at once right. now. Yeah, on multiple apps. >> But. you're a. Not yet. >> You're not even able to ask for it, though. You're a failed. >> point is you're supposed to tell me what. >> a failed. >> [laughter]. >> Thank you for giving me the first. Laugh through the pain, girl. It's not. going to get you money any quicker.

So, he's coming today? Tomorrow. And does he from this? Well, I mean, I've got a chastity cage. for him. To each their own, man. I usually go. into it just to. Okay, what is this app? BD. BD, what is. what's for for. >> It's for BDSM. Okay, I don't think you connected to the. Wi-Fi. Do you want to see the chastity cage I. brought for him? Not particularly. Hasn't been used? >> you anyway. It's unused.

Can you confirm that it's unused? is it used or not? >> [laughter]. >> Okay. See look, his little weenie goes in. here. Yeah, I mean you do got a lot of. men on here, man. Um it's surprising. You just you don't do much. >> too big for you. You're not you're not. running. >> [laughter]. >> You're not you're not like doing much. though. Like uh why are we not closing the deal?

Uh okay. >> Touch it. Not until I know. >> [clears throat]. >> Okay, so this guy being edged and. like that, I don't know. Oh my gosh, he's just a normal dude. Doesn't it. doesn't that look. >> What the He's an attractive normal dude. >> I know. I told you. What the is he. doing? >> I told you. Calling. you. >> Oh, yeah. What is he doing? Wow, there is someone for everyone, ladies and gentlemen. So this actually I.

want to extra confirm for you incel. she's on the other crazy side of the the. See how it's like this? >> But on the male crazy side incel losers. this is proving that anyone can get. anyone. Look. It's only been used a. couple times. Oh, for sake. Bro, I also enjoy using my mouth. >> [laughter]. >> I guess we'll have TO TEST THAT.

LET'S SAY WE GO BACK TO A HOTEL ROOM, GET ON MY knees for me. >> [laughter]. >> Bro, he is typing. You have to get a hot man. I told you. Calling me ugly and a liar. Oh, I also. have. >> world. >> have uh something for your girlfriend. >> I have something for your girlfriend. I. will certainly not be giving it to her. What is it? Collar for you. Oh my. goodness, you do not know what we're.

into. Me? Okay, this is disgusting. This is. disgusting. >> Collar and a leash. Okay, so [snorts] if. this is what you're trying to do and. make money off of. >> your place. This is disgusting. >> you're trying to do and make money off. of, what are we doing here? Because. you've made $0. You're investing money. into it. You're horning yourself out. You're going to get AIDS. Like what are. we doing? What is the game plan here? Cuz it's not. working. >> by day and dominatrix by night. >> you want to be the accountant by day?

Yeah. >> Okay, good. Cuz that will actually at. least keep money coming in. >> Well, yeah, I'm not dumb. Could have. fooled me. Hm. Come on, your accountability was. insane. And I still feel like you'll never be. able to accept account. If you're like. this at 37, you're broken. You're never. going to get anywhere. So you live on your own now. How long. have you lived on your own? >> I don't live on my own. I live with my. best friend and her husband. >> Oh my goodness, so pathetic. Okay. Rent. free. Extra pathetic then. So let's.

figure this out. So we know what came. in. It was $4,108, which is less than you said. But you. know, every month is a little different. Depends how many Fridays there are. Regardless, what did you spend that. month that you made $4,100 last month. while you lived rent free? Groceries. Money. Number. How much did you spend? What was your. outflow? >> All of it. Okay, all of it. Sure. Give me a dollar. amount, you dumb ass. Sure. Okay, so.

4,100. >> Very good. 6,626. So, you live rent-free. That's not him. That's not his fault. That's you don't have accountability. You're a. degenerate. Yeah. Yeah. Yeah. >> You're a bad person. You try to put all. the blame on him, yet you can't do. anything to save your own. life. This isn't going to pay off your. debt. You make more money, then you're. going to ramp that up to 8,000 spends. It's pathetic. You're pathetic. You.

think you're yourself as dommy mommy? No. You're submissive to the world. You're pathetic. You're nothing. You're. nothing. To society, you are the bottom. Well, >> You are a taker. >> years ago, I would have been like middle. class. Now, you would be middle class. You have an incredible income and you. pay zero for the roof over your head. You're a failure. You're pathetic. >> in the utility bills. >> And for the groceries. >> Pathetic. No, I'm not. Yes, you are. No,

I'm not. >> You blame everything on him. Then, you get just a few little bills, yet you spend 2,000 more than you make. You're pathetic. >> little bills. A few In terms of actually. like the roof over your head. Yes. So, you are pathetic. I'm giving myself. the life that eventually I will be able. to afford. Make that make sense, please. I'm living the life that I eventually. will be able to afford. >> you going to afford it? Her Her The. friend you're living with, her husband. wants you out in June. That's a couple. months from now. How are you going to be.

afford that? You can't afford that now. You can't even afford living for free. right now. So, how are you affording. that in the future? Make that make sense. for me, please. Well, I mean, so my. sister is going to help me Oh, so it's. only other people. >> stuff. She's sad. Pathetic. When Next. time someone like her comes to you and. she's like, "I'm hot and it's all my. ex's fault and all this stuff." Do not. listen to them. Do not listen to them. punch them in the face. She's a. pathetic. >> my media marketer and she's going to be.

helping me post content on OnlyFans. What the is wrong with you? What is. wrong Post your own you loser? I. don't have time. What? YOU HAVE NOTHING BUT TIME. >> NO, I DON'T. I also run a guild for the. Renaissance Festival. >> Do you get paid for this? >> No, that's all volunteer work. >> Then stop. >> It's a hobby. >> I don't care. >> It brings me joy. I don't give a. >> I don't give a about your. opinion. Then why are you on the show. where it's only me giving my opinion, >> to start from scratch. Okay, starting. from scratch. I'm going to get you.

there. Keep all the money and post it. yourself. Well, I'm not paying my sister. What, she's going to do it for free? >> Yeah. For everything? >> Yeah. >> And you're never going to learn the. skills yourself. So, she's going to see your. all that good stuff. Well, she's my. sister. Sisters look at each other's. clits? I mean, if I have an ingrown. hair, she helps me. Okay, I'm getting like a. Lindsay Lohan like, yeah, okay, I'll. accept it. Um. Oh, she says it's weird. Never mind.

Okay, yeah, it's weird. I don't know. >> We do have a very unique relationship. >> Yeah, incest. How much time is being. spent on this Viking stuff? >> A lot. A lot. Because I also teach. sewing classes. >> Stop. Bro, you just figure out your Do. you want hobbies or do you want career? I mean, sex work itself, I mean. >> both? No, not really. When you're when. you're not making You are making enough. You're just spending way more. But. you're saying you're trying to prepare. for this lifestyle you're going to live. I I'm still confused. How are you going. to survive in June? Well, um we decided.

I'm not moving out in June because. apartment prices go up in summer. >> Who's we? Cuz I don't think the husband. agrees. Well, >> He wants you out in June. He wants you out in June. >> convinced him that July is not a good. idea. >> Okay, fine. July, what are you going to. do? September, what are you going to do? You're pathetic. >> What am I going to do? >> leech. >> I can Apartment prices go up. No. but you make literally good money. I'm. going to get an apartment with my sister. who doesn't have a job. Oh my gosh,

you're never going to you're never going. to. You think you're a strong independent. woman. No, you're leech pathetic. broken individual. >> Well, I took care of my mom since I was. 19. Oh, I don't give a. So many people have to make the only. income. Do you know how hard it is to. pay for utility bills and be the only. person doing it with making $10.30 an. hour? And she didn't have health. insurance and I had to pay for all of. her doctor's appointments. >> That part I do not know. I can't relate.

to that one. I can relate to all the. other ones. And she we were in the. middle of getting her approved for. social security disability. Uh-huh. How. old is she? She's 72. Okay. Okay, well, she already has Medicare. She didn't have Medicare at the time. >> What are you talking about? SSDI. You. have to get approved. Yeah, you have to get approved. >> But she's on the age for Medicare. >> She wasn't at the time. >> How? It was was She was 64. Well, she's. pretty much there. What What is it? 66? Okay, so like a couple years?

Either way, she could have gone on it. earlier anyway. No, you have to be. approved. You have to have a disability. >> do? She's got fibromyalgia. And she. wasn't. They didn't approve her? No, you have to. have all this paper trail with doctor's. appointments. Mhm. And have a pain. history. Okay, so 2 years of that and. this was decade like a over a decade. ago. So, what's the what's the excuse. the last 10 years? That I lived with a. drunk of a boyfriend. >> Okay, so again, none of it's your fault. Like you can make a victim thing from.

about 10 15 years ago. Like yes, that. sucks. That that sucks. That sucks. Wah wah. wah. Okay, but what about you and your life. and everything you're doing literally. right now spending more money than you. make? Again, you are literally trying to. play victim from something that happened. like You're having fun. That doesn't. matter. >> so much fun. >> what are you trying to do? Why are you. here? You go yourself then. I'm not going. to talk to someone that doesn't actually. want to improve their life. >> I do. I do want to find a stable job. >> fun. That's all you care about. Well, I. I haven't I haven't had joy in like.

like 6 years actually. Okay, have joy. and also spend less than you make. You have no overhead barely. Shut the up. That's funny? Yeah, I got to laugh. I. got to laugh. >> You actually just have to spend less. than you make. I know it takes a lot to. store you, but you're getting that. storage for free right now. I don't know. You create a hurricane. every time you move your arm. Things are.

flying around. You like my dress? Absolutely not. I'm sure they like my dress. No, but you. do get the couple freaks on there. You. have proof of with your phone in that. Honestly blows my mind. So, what are we trying to do? So, you're going to have to pay for your. sister. You want to replace that again? You want to replace your mom situation? You're going to have to pay for your. sister in a few months. She has no job. You want to support. another deadbeat? You want to go. deadbeat to deadbeat to deadbeat?

Damn, when you say it like that. Well, yeah. >> No, I love my sister. She's. great. >> say you don't love her. >> She's going to be doing free work. She's. going to be doing free work. >> nothing off this. You have one. subscriber. This is not a marketing. manager. You're just posting videos. Just post videos. Schedule a sprout, dude. I like it's hard, man. >> not. It's literally not. It's literally. the easiest thing you could ever do. I'm. struggling so many apps and talking to. so many men. >> Then you cannot handle it. I'm having so. much fun. >> [laughter]. >> Then choose it over the renaissance.

and sewing. You have to make choices. now. >> prior commitment. That involves other. people. >> this. You only have so much time. Your. sister does nothing. That is not going. to pay the bills when you guys are. together. Eventually, it could. >> No, eventually it could. Heavy on the. could. Heavy on the could. >> what? That eventually it will. That's. not how this works. Eventually it will. I'm manifesting my destiny. >> That's not how this works. See, actual. work and you you don't even know what it. takes to get there. You're just hoping. your sister will do it for you. And.

she's a loser. She's a loser. She's not going to bring. any skills to it. Well, she's taking. care of our mom right now. That's why. she doesn't have a job? Well, she can't get a job. >> Why? She's going to school. For? Marketing. Why doesn't she have a job? >> I don't know. >> Your sister is a loser. Okay, good. Oh. my goodness, I swear. We ended up to the. I have I have a hypothesis. You say no, I have a hypothesis. You say no, then you explain it and then. it confirms my hypothesis. Every time.

Every time in this conversation so far. I don't agree. Okay. Okay. >> Wonderful. That doesn't change reality. I don't understand. That means nothing. Okay. Listen, what do you think your. hammer financial score is? What? When you moved out, you cashed out your. entire Roth IRA. But you're already. approaching 40. You're unk. You're unk. You cashed out your Roth IRA. Why? You. moved into a place that doesn't have any. overhead. Why did you cash out your Roth. IRA? Even with all his debt now.

>> Okay, so the original plan. The original plan was I was going to. move it into my new 401k at my job. What? Your Roth IRA into your 401k? Yeah. I was to take all them of It wasn't. making any money. That's because you. didn't choose an investment vehicle, probably. Oh my gosh. Oh. Oh. Oh, you suck. Okay, continue. >> I don't really know anything about. investments. >> matter. That's. That's That's not even a lack of. knowledge. That's That's me. And then my boyfriend at the time.

convinced me to use some of that money. to fix up the truck that I had. So, I spent probably a total of. 8,000 last year fixing up that truck. >> No. What's the current status of this truck? >> Oh, uh my sister borrowed it for a. couple weeks and then she got into a car. accident. And did you have gap insurance. or anything? >> It's a 1998. >> Did you What did you What did you have.

on it if anything? >> Yeah, there's car insurance. >> Okay, did you get anything? I'm in the. middle of getting that worked out. When. was it? >> Halloween. You're in the middle of. getting it worked out still? >> Yeah. Yeah, insurance still getting. >> status? Um so, I submitted the uh. the quote that I got from the body shop. and the mechanic to the other people's. insurance. But she got into a fender bender in the. front and the back. Is it drivable? Yeah. What's the issue then? The back.

hatch doesn't open. Okay, what's the. issue? The headlights are pushing into. the radiator. Okay, there you go. Um yeah, that makes That's That's That's. That's more. Okay, [sighs]. so well, where'd the other five go. of the Roth IRA that you pulled out? Um. taxes, fees, like that, probably. I didn't. pay taxes on it. No, I don't think. that's possible. I think that's. automatic. I think the I think. I think it holds it for you.

What? No. If I told. >> filed this year No. Have you filed an. extension? No. You just skipped the. filing date, which was. >> Yeah. yesterday. >> Yeah. I'll just do it next year. No. You owe money to the government, listen. >> [laughter]. >> Sometimes, you know, when the government. owes people money, they don't freak out. when you don't file on time. But when you owe the government money, they're not very happy. And you probably. owe the government money.

with pulling out with pulling out from. that Roth IRA. Yeah, I'll deal with it. later. Do you know how much you owe? Do. you know what your tax situation is? You. haven't even gone through TurboTax. without filing just to see what you do? >> No. No. So, what's the plan? Just. kick the can down the road? That's it? That's the entire strategy? Uh like hope. that I have enough money by next year. filing. Hope? If you actually start. making your money from the show, you're. going to have to do quarterly estimated. payments as a contractor, as an. independent business. Yeah, 1099 stuff.

Yes, and you're going to have to pay. all the taxes. There's no employer to. take care of your portion of the payroll. taxes. >> Mhm. Summer is the perfect time to get your. budget in shape. And now that Dollar. Wise is officially the best budgeting. app on the market, I'm giving you a. special deal to download, but only for a. limited time. When you sign up for. Dollar Wise annual, you'll get my. four-course [music] educational bundle. as a special bonus. So, you can get. financially ripped while you track your. money. And normally, this would cost.

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That's kind of stupid, I'll be. honest, but what's not is actually. getting a checking account that gives. you free money. Free money, we like free. money. You can get up to $200 in bonus. cash right now when you sign up for the. checking account that I use, Chime. Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at at same time. Who would have thought? That's incredible. Check it out. link in. the description below. Yeah, I don't. make account. I know that much. Uh-huh.

You know that much, but you didn't know. file your own taxes. You don't have to. file every year. What? >> You. >> Yeah, next year. Okay, with a penalty? Yeah. From what you already owe? That's. my plan. >> Dude, you are so dumb, man. Okay, and. you think selling your farts is going is. what's going to make up for this? That. sounds really great. You are not. Amaranth. I don't know who that is. The. one who basically invented selling. farts. Okay.

You don't even study the industry you're. trying to do. What do you think your financial score. is zero to 10, zero being the worst, 10. being as the 10 being the best? Probably. like a three. You want your Hammer. financial score? Get it for free at. CalebHammer.com. Take the assessment, see where you stand in the world of. money. It is free, just takes a few. minutes and you get your own. personalized score. So, link below. And. if you don't want me to guess who ends. up on the show, join the tens of. thousands of other people in this. community who are active Dollar Wise.

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you won't use this, it is way too little. calories for you, but go ahead and give. it a try. If you ever want. But, I'll sign it and. mail it directly to you. dollarwise.com. or just download it or click the link in. the description below. Check it out, get. the free trial, then get that. I want to. mail it to you. It's awesome, people. love it. I hate cooking, so we'll see. Yes, I. know that. I will see lots of going out. to eat in here. I know for a fact. there's no way you didn't spend that. much money you didn't go out to eat a. lot. 500 bucks.

Miscellaneous is the crazy one. 1,500. What's the what one? Miscellaneous. is anything else. This is just. do not need. That doesn't benefit life. at all other than dopamine hits. Yeah. Dopamine hits. So, I recently stopped drinking caffeine. because I found out that um. >> literally drinking caffeine right over. there. Well, I mean like coffee. That's. I was drinking like three cups of coffee. a day. You are drinking caffeine. Doesn't.

matter the source. >> it? Yes. >> have sugar in it. >> those is equivalent to about an 8 oz cup. of coffee. You think sugar is caffeine? Do you think sugar is caffeine? No, I. know sugar isn't caffeine. >> said but are you sure there's caffeine. in this? There's no sugar. You're. Okay, so you didn't stop drinking. caffeine, but what was your point? Well, if I drink less caffeine, then my uh. antidepressants work better. Okay.

What does that have to do with what? Dopamine hits. Your behavior certainly. hasn't changed. >> no routine, for sure. No. self-discipline. That's why I'm going into. >> Girl, you already got enough. Trust me. That that isn't doing anything. It was. it was already there. It's you're fine. But you're going to be dead before this. car this car payment is paid off. The. car payment? Yeah, this car payment. Card Southwest Rapid Rewards. $13,142.08.

Minimum monthly payment $423. You're morbidly obese, almost at 40. You're not going to live to the 24 years. this is going to take to pay off. You're. never going to get to the other side of. it. Your life expectancy range is usually. within the next decade or so. I'm. actually really healthy. >> No. I'm No. I've done all of my blood. work recently and it all came back. normal. Okay. I'm very healthy. Okay, will you stand on a scale right now?

You know. Then you can't tell me you're. healthy. My blood work says otherwise. >> Okay, will you do your blood pressure. right now? My blood pressure? >> Yeah. Sure. Okay. Can we have it? Let's see. I mean, maybe you are. Maybe you've. gotten lucky right now cuz the obesity. itself isn't the health concern, but it. is the leading cause for many of the. things that cause death. Heart disease, high blood pressure, heart attacks, diabetes, all that good stuff.

>> Right, but I'm not getting on that. stupid like that weight loss shot. Okay, you don't have to just eat less. calories than you make. I don't know. I. do eat less calories. I know I know you. don't. I but I sit all day. It doesn't matter. Other than your. baseline, if you consume less calories. than your baseline, you will not gain. weight. You will lose weight. You can't tell me that. Well, then you. have to count calories. Yes.

That. pathetic. Listen, maybe you are healthy. I don't. know, but this is like. Here's the thing. While that's going, it's not that I really give a about. your weight. We're We're not I don't. want to It's not even a thing. That's. not what matters. People always think. I'm just digging into the weight to. digging into the weight. One, again, you will not live by the end of this car. being paid off, but two, more. importantly, what is the point and I. don't bring this enough in the episodes. What is the point of the immense. sacrifice that is required. from after this conversation if you. don't get to.

live to enjoy the benefits of the other. side of the immense immense work. So, there's that part of the obesity. conversation. There's two, the the the. health is expensive. It's going to be. you have less energy to make more money. There is less It is more health. complications that are. expensive. Okay, no. You're about 150 over 90. Was. that what it was? 144 over 87. Okay, so 144 over 87.

So, now, but it's not an emergency, but. it's not necessarily defined as healthy. Well, you might be able to use the. excuse that this is a stressful. conversation, and that is true. But, you. are hypertension stage one for. [clears throat] your systolic. Not diastolic. Okay? Okay? >> Okay. But, you told me you're healthy. Yeah. Your blood pressure is not. Well, that's because I'm here. But, also you.

are morbidly obese. Not morbidly obese. Prove it. Prove it? >> Yes. >> How the am I supposed to You step. on the scale. I'm 260. Step on the. scale, then. Okay, cool. She consented. Mark! Mark! The holder of the scale. Listen, again, I do not give a if you are. specifically, but if you're going to.

come out here and give me. >> how this has anything to do with that. I. just answered that twice. Did you not. listen? I gave you two very critical. points. One, what is the point of you. sacrificing the immense amount of very. uncomfortable sacrifices that are. required from this conversation if. you're not going to live long enough to. actually enjoy the sacrifices. And two, being morbidly obese is health. complications, which is expensive, which. is debt, which is one of the leading. causes of bankruptcy in this country, and less energy to do work. So, many of. your life goals, many of the things that. are required are actually impacted in.

this conversation. So, it's not just. making fun of you for your weight, even. though I'll do that on its own. But, it's not just that, but also more than. anything, I don't let lies pass on this. show. And if you sit there and you TELL. ME, "I AM HEALTHY.". I will not allow that. So, would I have asked the blood. pressure or weight if she didn't say she. was healthy? No. But, I'm not going to allow people to.

me on this show. And also, it's Caleb's ringing and also. it's and whatever the. whatever the we want on this show. It's. a fun show. It's a good show. And also, she consented to it and it's not against. her no-no list. Are things on her no-no. list? I will not tell you what's on her. no-no list that she said before, but. we're not doing them because I respect. all boundaries. I weigh less than that. Good. What's your weight? 243. You. No, that's good. I don't want you to be. unhealthy.

I like having. >> How tall are you? 5'6". So, that's the. point. And cuz people will cry victim for you a. lot on this show, was this on your no-no. list before? No. So, your BMI is 39.2. What is it? 39.2? Oh, okay. So, you are MORBIDLY OBESE. OH, NO! YOU ARE 1 lb away from morbidly. obese. >> [laughter]. >> You're obesity class two. You're not. overweight, you're not obese, you're.

obesity class two. You're almost obesity. class three, which would be morbidly. overweight, 1 lb. So, take a sip and. you'll get there. >> [laughter]. >> Okay. So, what's going on with this. card? Cuz again, you will not live was. the reason this conversation started to. the end of this 23 years, statistically. Maybe you'll beat the odds, but even. still. what's going on with this card? So, I. got that card when it took. uh. a month for me to find a job the first.

time I got fired. >> here she goes with the whole victim. No, what's going on with it? You. literally spent more money than you put. on it with the interest accruing, making. the balance go up. This isn't about you. losing a job in COVID 6 years ago. What. is going on with this card now? Oh my. gosh. Wait, why do people like you. position themselves as victims? for. plane flights and for cashback stuff and. you know, whenever I need to get. >> $130 a month. Yeah, I have a storage. unit. Get rid of your Who cares? >> I just moved out of my ex's place, out.

of my. >> it all. It doesn't matter. It's stuff. It's stuff. It doesn't matter. You're putting it. on an interest accruing card that is. going up in balance. Dude, almost $4,000 of interest just last. year. Get Kuto. Talon. It's an app. Get Kuto Talon. What? >> [sighs]. >> You can read it. It's the second line. item. And then you also are paying for. TikTok. What the. And then two Starbucks orders. What did.

you get for Starbucks at $30? $30 a pop. But either way, Oh, that's a. reload. Reload what? My Starbucks gift card. Okay, but the second line item on there, some kind of app it says. I have no. idea. Oh my. Oh my you are broken. Thousands in. interest, obviously fees, but I think. this is annual fees. Insane. Insane. That alone is insane. That. balance is crazy. I need to be clear. I.

need to be clear cuz I know I yell at. everything. That is insane. A balance of. $13,000 is insane that you're only going. up. And no, it's not cuz you were laid. off 6 years ago for 6 months. No accountability freak. So, Quiksilver, what's going on with. this? Well, when I got laid off 6 years. ago and took care of my mom 14 years. ago, Quiksilver, I use it for like gas. and. fixing up my car, like oil changes. Which by the way, on the accountability. thing, you blamed it on your boyfriend.

talking you into doing it. You know you. had the choice to say no. You're past that magical, WHAT IS IT, 26-YEAR-OLD FRONTAL CORTEX for every. woman age. YOU'RE FINALLY AN ADULT. YOU. CAN ACTUALLY MAKE INFORMED DECISIONS FOR. THE FIRST TIME IN your life. Like you still could have said no. Have. you ever been in an abusive. relationship? >> Okay, you never said abusive. I It's an. emotionally abusive relationship. >> Okay, well now it's immediate Okay, you. went from abusive to emotionally. abusive, it is different, but it is.

still bad, to be clear. But also, you. never said that in this conversation. You said he was a drunk and a. failure, and didn't take care of you. That is different than emotionally. abusive, which also, unfortunately, mhm, I do not. If you said that at the beginning, I. would have believed you. Unfortunately, I have to let you know why I don't. believe you. Because one, an hour in, and we've talked about him. so many times, you have not brought that. up once. That wasn't on our notes, either. Two, neither is it in my notes.

Three, um. every single time you get called out on. something, you try to find an excuse of. why it's not your fault. So, now, after. me calling you out for an hour, you pull. that out of your ass for the first time. You've made it impossible. >> I just assumed you knew. what that meant, if he's a drunk and. he's he's a piece of and. >> he's a piece of and not taking care. of you. Yeah, by not not being a good. partner, not taking care of me. >> a good partner could be a lot of things. >> when I'm down and out, and like I need.

help. >> than emotional abuse. Emotional abuse is. constantly getting drunk and yelling at. me and punching holes in the walls, and. keeping me up at. >> say that. >> 1:00 a.m. on a Wednesday to have his. argument made and. >> say that. >> Well, I'm saying it now. >> you're the girl who has cried wolf, and. I'm so sorry. I want to believe you. >> opinion. Call him. >> Clearly you do. Clearly you do cuz. you're on this show. Maybe I will in the. post show. We'll see. But, I don't know. One, you do. You're. on the show, Care, okay? And it's just.

it's just matters. You don't have to. care if I think it, but you should care why I think it. because others might end up thinking it. in life when you're the girl who cries. wolf. You don't want to be that person. It makes it impossible to believe. anything you say. That's not good. You don't want to be in. that position. Okay? So, if if that is actually a real thing. that happened, I am horribly sorry, and. I'm just going to believe it did. But, I'm having a very hard time believing. I.

don't really care. Well, I know I know I. know yes, that's your cope. That's what. you say. Obviously, you do, but yes, that's an easy cope to say when you hear. something you don't like. $8,660.29. on your Quicksilver One card. Well, unfortunately, IT IS PAST DUE. WHY POSSIBLY IS IT PAST DUE? SO, I was. making weekly payments. Why? Okay. Okay. And I switched it to. automatic payments.

Okay. >> I but so what it is is I have it set up. in my bank account that my bank account. sends them weekly checks in the mail. And then I. stopped that, and then I forgot to set. it to automatic pay, and I. I didn't know that it's you I had to. wait a month. I had to like manually pay. it for 1 month. >> Why? If you set up auto pay, it would. pay. Right, but I have to like manually. pay it after I stopped paying it with.

the through my checking account. Okay. Okay, sure. Maybe I. It's just getting a little hard. to fully believe that story, but of. course fees. and interest. Okay, let's see if that. actually lines up with reality. Okay, it didn't. You had. uh uh uh. three late fees last year. So, no, it. wasn't a one-month thing. Clocked it. You're. die in Minecraft.

This is like, dude, you can't tell me that. I mean, you had. you've had multiple late fees. It wasn't. one month because you Just on that one. Just on this one. Just on this one. So, I guess, yes. Okay. Oh, no, and the excuses have stopped. there it is. There's the reality, okay? She just doesn't [laughter] do it. because she's not responsible. She. doesn't budget. Use Dollar Wise. Stop I. don't I don't budget. My friends have. tried to get me on budgets. [clears throat].

for years. >> Well, allow this to be your chance. Take. our budgeting class as well that comes. in the Master Money program. You get it. all for free for the rest of your life. killtheprey.com I'll try it out. Please do. I mean, literally, what? I think like 30,000 people have. taken our courses. >> I'm not interested in trying to find a. method that'll work for me and that I. like I'll actually, you know, stick to a. plan and stick to a routine. I mean, that's what I want. I mean, I want to. get a handle on things like Cinemark. And Saget pay.

Oh, I forgot about Cinemark. You forgot about Cinemark. >> So, my ex and I went to movies all the. time. It's a good date activity. I. started paying for Cinemark because. >> Oh, my. it gives you it gives you free movies. all the time. >> card that is basically maxed out that. you are not ever paying on time. my entire life. What are you doing? I. just don't understand why you don't. care. It seems like you don't care. >> There's so many like automatic payment. things that I forgot to cancel. Like.

>> Just close the card and then nothing. will happen. >> has my Netflix account, my uh Hulu. account, my uh Crunchyroll account, my. HBO Max account, my Amazon Prime. >> You just cancel the card. You can't have. access to it anyway. Close. >> the card? >> Close it. You can close it. Yes. I. didn't know you could do that. >> Close it so you can't charge on it and. then these things will just stop. charging. But you can't be trusted to. have debt. You can't You don't You don't You don't. have to behave your for it. You're not a. credit card person. >> Yeah, no. I I.

>> Well, there you go. >> had I didn't have credit cards until I. was like 23. Well, realize it then. Close them. Take away the the weapons. that are harming you. I did I wanted to bring all my credit. cards on the show so I could cut them up. in front of you. Okay, well I don't even. need that. Just close them cuz you can. just order another one if you cut them. up. So. But yeah, it's a. It was about the. symbolism. >> Sure. Okay, USAA. What's going on with this? That's a new card. New, why? So you. couldn't manage the other one so you.

opened another one? It has the same. basically the same balance as the last. one. It's a new card? $8,140.96. What's going on? $148. minimum monthly payment. What's going on? HELLO. I DON'T KNOW. Look at what's on. there. I'm trying to have you diagnose. before I look so I can see if you have. any reasonable understanding of what's. happening in your life. That's why I. asked that of for every single guest. What is going on in this card,

Uh buying things, paying for things. >> pathetic. One, you're over the credit limit. >> One, you're over the credit limit so I. was hoping you knew that, but of course. you don't. Failure. Over by $140.96. Minimum monthly payment of $148. Takes. basically 30 years to pay off. You will not be with us. I hope you are. Maybe you'll be the odds. >> be 70? No. How many morbidly obese. people do you see at 70? Uh all of the. people where my mom live.

Are morbidly obese? >> Uh-huh. Mostly, yeah. At 70? Uh-huh. They're the lucky ones that made it. I. don't know, they look a little rough. Well, they shouldn't be at 70. Yeah, that's kind of the point, right? I want you to. I want you. >> to. But that's the thing, with your fast. food and miscellaneous spending. on here. That's why. >> I'm here. There it is. Ding, ding, ding. With the fast food spending and with the. miscellaneous spending you do,

the thing is not only would a budget. help you financially, it would help you. health-wise. You'd get a more healthy, live longer, have higher energy, lower medical costs, lower blood pressure. I do have a her- hereditarily, I do have. high cholesterol. That's probably not good while also. being morbidly obese. I'm not morbidly obese. Okay, you took a. couple more sips. I'm pretty sure you. are now. You're still class two obese. You want. to be considered class two of any kind. of obesity?

>> I'd never even heard of that since. today. You, accountability. I mean, I never. said I was not like fat. I mean, I know. I'm fat. But I'm okay with that. >> Bro! I think you were like every late every. single month. last year. on this card. What's the point? The moment you opened. it, you never paid a card on payment on. time. You transferred to this card, it looks. like, is what I'm being told. >> Mhm. Oh, and then you used it for. everything because you lost your never.

heard. Great. Okay. Um, but even then, you still didn't ever pay your minimum. monthly payment. Ever. Ever. Ever? I thought I set it up auto. pay. Well, you have to set it up with auto. pay. Maybe there's a chance you did, but. you didn't have enough money in. >> a chance you did, but you didn't have. enough money in your checking account to. actually make that automatic payment. >> that happens, yeah. Well, buddy, you've had $301 of fees. last year. Usually a late fee is 40. bucks. Do the math. I mean, it's it's it's.

crazy and just above the credit limit. like. That's why. All these fees are just. making it go above. That's why I went. 140 over, plus the interest. Hundreds of. dollars of interest, hundreds of dollars. of fees, 25.65% interest. It's 25%? Well, uh no, no, no. That is really bad. But most credit cards are near like 30. that like people like you would have. >> well, look, listen. Listen, Linda. The Amazon credit card. >> a reference to? Starbucks is bull and a waste of money, and you already know that by making your.

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

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

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

problem worse. You still need to fix the. behavior that screwed you in the first. place. But, if you're serious about. getting out of debt faster, you could. potentially lower your monthly payment. by securing a single payment at a much. better rate. Check out the link in the. description below to see your. personalized offers or go to. CalebHammer.com. And remember, you still. got to do the work. You're like a old boomer millennial. Okay, continue. Q. >> [laughter]. >> I mean, it's true. If you're pulling. boomer memes.

We are young. >> I made sure that the the Amazon credit. card that I have, I know that one is 29%. and I made sure that the credit limit. they don't exceed 300. That I can't spend more than $300 on. that credit card. Gold star. Look, it's Amazon. Yeah. I I got it all the way up to like. $1,400. And I didn't notice it. It doesn't.

matter. All these balances we looked at. are above 800. And then I paid it and. then I paid it down and then I told I. called them. This was like. Okay, Wells Fargo. You couldn't get a. statement for us cuz you. Oh, that one's the That one's the brand. brand new one. I haven't even. >> brand new? >> I haven't even set it up. That one it was uh my tire popped when I. drove to LA. And um I didn't have the money or the. credit balance to get new tires. Okay, that doesn't add up to $4,236.

though. Those things that you just mentioned. >> That's the one that I lost my debit card. so I used that. So, if I actually had the statement, it'd be all Yeah, like. groceries, movies, paying for my. sister's stuff. For your sister's stuff? Oh my goodness, we're going to need to. call her and the ex. Oh. Oh. Just got her um I paid for her haircut. last weekend. And I took her out to lunch.

>> Okay, call your sister right now. I'm. done. Call your sister right now. We'll. call the ex in the Porsche, but call. your sister right now. Yeah. You don't have to look for him for. permission. It's my bro, but also he. would say yes. I know she's the attractive one. It's an old picture of you. She was the. attractive one. I thought you said that. For sure, she better answer the phone.

I did just pay for her phone bill. Yeah, she damn better answer the call. I paid. off her phone bill. And her phone. >> How? You don't have money. On that on that card. She has no idea. >> You can't text someone while you're. calling them on Android? My phone's. probably locked. No. Swipe up. >> I got it. There's so many men in here.

>> [laughter]. >> Oh, I did do that. I'm very organized. >> Call has been forwarded to voicemail. >> So, all the guys that I talked to, they. have like the little two heart emojis. [clears throat]. Okay, we're going to hope she calls. back. Okay, so this is insanity. What's. your minimum monthly payment on this. thing? So, you owe 4,236. I think it's all I would have trust you. for anything, but sure. >> you go. She's calling? Hello. Hello. What the are we doing here?

Listen, I'm talking to your sister. I'm. talking to your sister. Why the is. she paying for all your bills? And why. are you guys going to move in together? She was already taking care of your mom, and she's blaming all her on taking. care of her mom, and then all of a. sudden taking care of her failure drunk. ex. Now she's going to move in with you. in in. and pay for all your while you do. absolutely nothing? Why the. are you draining your sister? Dude, your. sister has been used her entire life. Why are you using her now? Uh I'm not.

using my sister. She just paid your. phone bill. She just paid for your. haircut. You She had to pay for your. haircut. >> because I'm not able to do that. And why. aren't you able to do that? Um because I'm filing for disabled and. I'm actually going to school to get my. bachelor's. And what's your disability? That's none of your business. Kind of. Your sister's giving all her money to. you and she's going to move in with you. >> going to tell you my my personal.

information. That's the law. Okay, good. So you're not disabled. Very good. Um. and you're probably going to try to. abuse the system and you're a taker just. like your sister, never a giver. You're. welcome. I just uh I am a giver. What. are you a giver? What are you a giver. taking student loans for your school, getting on disability, and I just wrote. a $2 million check for taxes yesterday? You're welcome. Wait, are you Are you doing this for my. sister or are you or is are you for me?

For your sister who is giving you money. because you can't do anything to save. your life. She's been used her. entire life. You know what that's like. because you dated the same guy. apparently as her, which is crazy by the. way. What the kind of incest we got. going on. But not only that, your. sister's been taking care of your mom, then she took care of this drunk for 13. years, and now she's going to move in. with you and have to take care of you. It is not fair to your sister. It is. disgusting. She's paying for your. haircut and you're like, "Well, I have a. disability." No.

Because I would do the same thing for. her. Except you never will because you. don't work and you never work except for. when you're a stripper, but you probably. aged out of that. >> What the. >> [laughter]. >> Well, we'll leave it at there. Oh. >> [laughter]. >> You may have gotten in trouble for that. one. You may have gotten in trouble. [laughter] for that one. I think so. What's your disability? I don't know. Oh.

my. I don't know. Like. >> Can you guys imagine how much less in. taxes we could pay if people just. weren't able to abuse the system so. easily? >> getting unemployment. Why would she? I. don't know. What are you talking about. abuse the system? She's filing for. disability. You don't even know what. disability she has cuz she doesn't have. one. >> I do know that at her last job when she. lived here that uh she fell off a ladder. and hurt her hip.

And so she was on like workman's comp, but it's like a I don't know. She's got. like. something to do with her hip. >> revamp of every system that we have, guys. We We set up systems with good. intentions and people just learned how. to abuse it over the years. It's. disgusting. It's really disgusting. I I. I I I. man. Hate what this show has turned me into, but once you see the inside Once you see. how the. sausages gets made, it's disgusting. PayPal credit. What's going on with. this? First of all, now you didn't even tell. me what you think your Wells Fargo.

minimum minimum monthly payment is. Uh I. think it's like 140. So um. She hides that she's a stripper? No, she. used to be a. >> to be a stripper? She hides that. information? I didn't know that she. didn't want to talk about it. Oh. >> [laughter]. >> That was funny. Okay. She also had no idea that you guys. were going to call. Does she know you're. on the show? Yeah. Okay. Well, she called back. $2,508.17.

Yeah, you can deal with that after this. >> be in so much trouble with her. >> Yeah, you give her free money. I don't. give. >> [laughter]. >> She kind of owes you that. Okay, buddy, this takes 13 years to pay off. You're. over the credit limit again on PayPal. credit. $8,508.17. with a minimum monthly PAYMENT OF $57. OH, TIKTOK SHOP. WHAT IS. LUNAVIA? Lots of TikTok shop, TikTok shop, TikTok. shop, TikTok shop, TikTok shop. Liquid.

red. AMC Lunavi? Lunavi? Gosh, am I What am I. not saying that right? It's for toenail fungus. Lunavia. No, Lunavia it's a cream. Toenail fungus. For stretch marks. Okay. I bought that out of an insecurity. because my ex. said that. I. got so fat that I look like I've had.

kids when I haven't. Well, yeah. Me, too. That's what happens. >> my stretch marks on my stomach. Well, I. mean, he probably shouldn't have like. your partner shouldn't hurt you for. that, but yes, I mean, I got stretch. marks right here, too. When you get fat, your stomach does. this, and that's kind of what happens. when you get pregnant as well. So, stretch marks happen, so that's not. surprising. Show me your TikTok shop. Hey, if we both do it right and we lose. weight, we'll have loose skin. I don't. want to lose that much weight. Uh you.

really shouldn't. >> lb. No, no, no, no. You'll be obese. class one. Come on, you got to be. healthy. And we're not doing this health. at any size thing. Science. doesn't agree with that. Fortunately, Newsweek magazine's got. like. co-opted into that. >> to kill us, aren't they? How do you go to TikTok shop? >> Just give. Just give. You're the one that spends it all on. there. How do you not know? How do they tell me? >> [laughter]. >> All right, you got like the most insane.

amount of bras I've ever seen in my. life. I know, it's crazy. You're the one. that did it. I like stuff, but. >> Congratulations. You got a whole. What is that? I probably for the Renaissance Fair. >> Yeah. Oh my gosh, you're spending so. much money on just such It's. just so much And shoes, so. many shoes and plugs and necklaces and. headphones and Oh, you are. like a Temu purchaser. You have like a. battery box and so many clothes. No, what is a. um. $261 solar panel recharger thing? Is.

your Dude, this is insane. >> This is insane. What? That was in your. history. Yeah, from looking at it. >> Oh, okay. >> Yeah, yeah, yeah, yeah, yeah. Okay, eBay. What's going on with this? Well, I would assume eBay. Still 6 years. to pay it off. >> didn't even look at. See, that's not my purchase history. That's my. view history. >> I'm getting there. Uh okay. Well, you're lucky. eBay. $1,366.38.

Minimum monthly payment $49. Uh yes, there are so purchases. Oh, security. You're paying for like a. security thing on there. You got. interest and fees galore. 30.49%. interest. This is so. ironic, the way you live. Okay, bras, bras. Uh. lots of You know the kind of pants that. fat women wear. Uh. Well, lots of fat people outfits, yeah. Yeah, yeah, yeah. The classic like waist slimming outfit, yeah, yeah, yeah.

Some books, I think. And something Okay, that's all. That's fine. Uh Synchrony. What's going on with this? Marshalls. Immediately purchasing at Marshalls. Okay, minimum monthly payment $27. $299.99. owed. You're just shopping on every. card, doing so much Just left. and right, left and right. Okay, so this. is the big scary Amazon card that you're. freaking out about earlier. What's going on with this? I well I know.

that one has a really high interest. So I keep the balance really low. I try. I try to pay off the the full balance. every month. Now. I haven't been. Or I don't think I have a long enough. history. >> minimum monthly payment, $296. balance. Yeah, you didn't Yeah, you're not going. to pay it off. Amazon Amazon Amazon. Amazon Amazon Amazon Amazon Amazon. Show. me your Amazon. This is.

insane. This is so much spending, so much. Citi Simplicity card. Oh, okay, $398.81. minimum monthly payment $20, 2 years to. pay off. Oh my goodness, so much dominatrix. >> [laughter]. >> So much hair things and yeah, Atkins. that ain't working.

Oh my gosh, iced coffee flavor Atkins. Cafe It's so stupid. Those are the protein shakes. They're. really yummy. They are really yummy. It. I don't think it really works though. Um. lots of hair and lots of septum. piercing. Of course, you didn't notice that cuz. you have so much stuff going on. Usually it's the first thing I notice is. the septum piercing. Spending IHOP, the criticals, the. necessities. Health conscious with your Atkins and. IHOP.

Wells Fargo, why can't I hold you? That. one's my oldest credit card. Okay. What's going on with it today? >> The balance is low. I don't use it really that much. And why. don't you pay it off? Oh, you did. Okay, I'll cross this one off. But it's Uber. Eats. What's the point of Atkins with. Uber Eats? You. Sometimes I can't leave my office. I'm. in the middle of doing stuff. Pack a lunch. Make a sandwich. Atkins.

Meal plan. The 30-day budget meal plan for a. reason. Pack your. lunch. Meal prep. It's pathetic. No accountability. Again. Okay. Oh, personal loan. We got a. personal loan of 10,000 that you. couldn't send me a You couldn't send a. statement. What's the personal loan for? Of 10,000. hours. So, that was I got. when my credit balance was up to 14.

And I was looking to see into getting I. tried. Okay, this I didn't Okay, so this. is really stupid. It's so stupid. So, I went to apply to. see if I would get accepted so I could. pay off the credit card. And then they. approved me for 10. And I thought it was. just like a Okay, cool. You can get 10. I didn't know it was a Cool, you're. getting. >> monthly payment? I make a two What's. your minimum? I make weekly payments.

>> What's your minimum? It's a 187. every 2 weeks. It's like 17%. >> Yeah, that's not good. Maybe. I I can't advocate for you. Listen, I do. advocate for debt consolidation and. personal loans and all that Even. bankruptcy. Sure. If you change. behavior. If you don't, it ends up right. here where you where you consolidate. under one and you bring all the balances. up again. And you have double the debt. You just touched my foot. Don't do that. again. This is disgusting.

This is [laughter]. Don't Don't make me nasty. Don't. Listen. So, I mean, we we opened a. marketplace on CalebHammer.com to apply. for personal loans if you're in that. position of wanting to get a better rate. cuz it's lower rates and stuff like. that. >> in a position. >> out at CalebHammer.com, but only if you. change your behavior first. >> I do know that I'm not in the position. to get a personal loan. I am not ready. I know that. >> I wouldn't advocate for you. You haven't. changed your behavior. I'm saying for. people out there that have. >> I want to change my behavior. >> Once you do, then you can look at. calebhammer.com and find the one that is.

better for you. Weiss Lake? That's my car loan. Uh do you not owe. anything on it or Oh, no, no, no. What's your car? It's a 2021 Hyundai Kona. $6,544.44. What's your minimum monthly normally? 474. Yeah, it's worth 2,570. >> [laughter]. >> Oh, there we go. THAT'S IT.

YOU'RE SO DRAMATIC. OH, I SHOULD BE cuz. you're a. You overdrew 10 times. Yeah. Yeah. >> Yeah, I should be dramatic. You're not. dramatic enough. >> paid weekly and. sometimes I forgot the. >> [screaming]. >> I don't get the the bill dates correct. What? It doesn't matter. Yeah, it does. cuz it's WEEKLY. >> BENEFICIAL. >> IT ALLOWS YOU TO YOU KNOW, SHUT THE UP. YEAH, I get billed weekly. That's my. issue. IT'S NOT TACO BELL. IT'S NOT EL.

POLLO LOCO, Beans & Brews, Island. Barbecue, taking $104 out from our. checking account for who knows what, going in and getting some. PayPal transfer $104, going in and. getting some from the gas. station. Listen, I know you don't do. caffeine anymore, but you can do the. hydration drink version. Here. The. I'm looking for the caffeine-free. Okay, caffeine-free. Here you go. So, that's the hydration drink version. instead of the caffeinated version. No. more going to the gas station and.

getting some Do your. GamerSupps. It's 40 cents a serving with. the 10% discount using my code Caleb at. my link in the description below. Get. your free samples, see what flavor you. like, and then once you If you what. flavor you like, get that. 40 cents a. serving. Make your energy drinks or. hydration drinks at home instead of. getting a Gatorade or Monster or. whatever energy drink you do that costs. expensive $4. 40-cents-a-serving. Come. on, guys. So, yeah. Yeah, that's That's my weekly. payment. Not the Popeyes, not the Zelle, not the Nels auction of $41, not the. going and getting some natural. 21 game, PayPal three bucks, Vegas.

bakery, storage unit again even though. we already had that on another card, Hilly dating app. To a 30 bucks for that. one. Zelle not 150 bucks. You're paying. more to people than people are supposed. to BE PAYING TO YOU! Fashion Nova. auction 70 bucks, PayPal TikTok videos. two bucks, Del Taco Sin City Taco, Cornish pasty. Shut the up. Okay, fine. Fine. We'll answer. I don't. know. Let me see. I don't know. I don't. know how to work Android. Well, call her. back then.

The Bonfire, Albertsons, ATM withdrawal, TikTok videos, Hobby Lobby, BBW Cupid. My mom called. She's not happy either. Call your sister back then. Quint audio, Albertsons, eBay, PayPal, Walgreens, liquor, Parlette. Marina's fitness. Jack in the Box, COFFEE AND BEET. CALL. HER! CALL HER! GIVE ME YOUR PHONE. GIVE ME YOUR PHONE. GIVE ME YOUR PHONE.

GIVE ME YOUR PHONE! [screaming]. GIVE ME YOUR PHONE! >> [laughter]. >> JUST GO WITH IT. GIVE! GIVE IT! GET OFF OF ME. >> GIVE ME YOUR PHONE! >> [laughter]. >> GET OFF YOUR CHAIR. SHE'S NOT GOING TO ANSWER. >> OKAY, GIVE. GIVE. Just give ME THE. PHONE. CUZ YOU'RE AN. >> GIVE ME THE PHONE! >> [screaming]. >> JESUS. HERE.

BABY. SICK. WE WILL CALL YOU BACK. WE'LL CALL HER BACK IN THE POST SHOW. YOU got $12 in here. You're over. drafting every second of your life. I'll. get you a course career certificate. I'll get her a course career. certification as a win so she cannot be. a stripper with disability apparently. That's really common actually. Mental? That they get um physical disability. Okay, savings from $3,400 down to $257.

Oh, I know my savings is trash. Oh, okay. It makes it okay. At least I'm not. delusional about that. Oh, about that. Great. You're the one who took it out. We'll call the ex. We'll call maybe the. mom and the sister back. I don't know. Going to do a lot in the post show, but. let's get this budget first. It'll be a. good post show. I know that right now. >> Definitely not calling my mom. Why? Didn't she call? That's a no. Well, okay, that's fine. That's a hard no. >> Well, well, well, well, well, why?

It's fine. We don't have to Well, why? She's got uh really high anxiety. Oh, well, then we're not going to call your. mom. >> Yeah. I don't want to I don't want to hurt. your mom. I don't want to hurt anyone. She's probably so mad. Huh? Don't they know where you are? What's. going on? Yeah, but they didn't know. that they were going to get called. I didn't think about it. Dangerous show. calebhammer.com/apply. I'll call anyone. Unless you tell me there's someone I. can't call.

And I will not. But have I done well. not going over your no-nos? Mhm. Okay, see? Chat, you get to define what the. no-nos are. calebhammer.com/apply. Okay, [snorts] so. your debt minimum monthly payments. $1,947.25. Income, $4,880. So, no rent, but you help with the. utilities and stuff like that. How much. does this cost on a monthly basis? It's. like uh 250. Okay.

How much for gas? Vroom, vroom, drive, drive. Uh it's $50 a week. Okay, $200. car insurance? Car insurance is three. 72 because I also have renter's. insurance. Phone bill? >> insurance for two vehicles. >> phone bill? Phone bill is 180. Okay, switch to Helium if T-Mobile's good out. there. >> the phone bill for me and my mom. Even. still, 15 bucks a line. >> We're talking about switching to Mint. That one's fine, too. Helium's pretty much the same, but I I.

advocate for it cuz better rewards, but. either way Okay, how do the groceries. work in this house in terms of you. eating? Um I participate with the grocery income. or I I think I give her money for. groceries and then sometimes I buy my. own groceries and she cooks and I do the. dishes. >> 300 just to be safe. Okay, TP fund, anything else you need to. survive, 150 bucks. Medical health care, are there co-pays on a monthly basis? Uh there's co-pays, but they're low. How. much a month? >> Uh it's. Even if it's a estimate, this is a close.

budget. >> Like $60. >> Okay, gym, I saw one, how much? 29. Okay, I will do subscriptions at 40. bucks. Pets, no, not right now. Not. right now. >> Okay. Anything else that needs to be in. this budget that I have not taken into. account? My pets. I know, I'm sorry. You're an. I agree. I agree. I have a boxer, a boxer and a pit bull. and they're so I know, I I don't know I.

love dogs so much, but I I am really. sorry. That is the difficult thing, right? Where he can kind of like. leverage it over your head cuz if you're. the one leaving, even though you should. have been the one leaving Yeah, he's it. makes it so that he probably gets to. keep them. >> "You know, I want you to come by, you. know, every week or two. Do you come see. the dogs?". Are you? I stopped doing that two months ago. Okay. And? Cuz he's been so nice. Well, he doesn't need to be a piece of. I know, but it's like. I'm like, why all of a sudden I move out. and you're you're doing exactly the.

thing I've been asking you to do? Well, to be clear, if he was emotionally. abusive and certainly being an. alcoholic, don't go back. But it's okay. to be around him for the dogs if he's. being nice. But it's hard. They're not. going to be my dogs. I'm not taking them. back. No, I get you. I'm sending you. $1,151.75. left on a monthly basis. It just takes. 41 months to pay off, which is really. not that bad for the shows, 3 and 1/2. years. That's not that bad. Now, you are. going to have a rent situation that. might push that further. But if you're. bringing in extra income, we'll see, maybe it brings it back down to where.

it's still 3 and 1/2 years. So, just. focus on paying off this debt. Follow. the strict budget. Meal prep, meal prep, it'll be good for health, it'll be good. for budget. Make your energy drinks at. home, your hydration drinks at home, all. that good stuff. Use the resources we. have. Pay off this debt 3 and 1/2 years. and get a fully six fully funded. six-month emergency fund. Use the Dollar. Wise budgeting app to keep you along. that way. And then you got to catch up. back up with investing again after that. six-month emergency fund. And at your. age, I'd probably do 50 25 25. 50% on. needs. age, which will be 40 by the time this. is done. But uh.

50% on needs, 25% on fun, which is a lot. of money for your uh your situation, and. 25% to invest. And you'll live a great. life. But it's a sacrifice of 3 and 1/2 years. and it's totally worth it. Now, go make as much money as you can. and spend as little as you can and. you'll be fine. But the Paul Show will. not be fine cuz we have a lot of phone. calls to make. And it is going to be. crazy. Let's get the Hammer Financial. Score first. You're getting out of that situation. isn't that hard. It's a little bit of. time, not as much for most people on. this show. And you have the opportunity. to make more money and cut your spending.

dramatically. [music] Spending in a. budget, you overspent, zero out of 10. there. Debt, no collections. High minimums to payments and some dumb. debt and over the credit limits, I can't. give you better than one out of 10. Uh emergency fund, well, you drained it, so zero out of 10. Retirement, drained. it, zero out of 10. Real estate, zero. out of 10. Round it up, 0.5 out of 10. Get your CalebHammer.com now. Click the. join button to watch three premium shows. posted every single day. six days a week by joining Hammer Lee. including the next 20 minutes of this. episode called the Financial Audit. Podcast Show. I'll see you there. I.

don't know whatever she's telling you is. a complete lie. We were together for 13. years, but 13 of those years were just. honestly one of the most miserable that. I've had. So, I don't know what exactly. she told you, but please like tell me so. I can clear it up. Well, how about this? Maybe she can say it herself. Let's. compare the lists. Let's do it. All. right. Yeah, yeah, yeah. Okay, let's. start with your three DUIs. The seven times you've been arrested. And you still live with your. parents. Yeah, I'm sorry that I became a.

raging alcoholic and I had to drink, but. honestly if anyone was with you they'd. do the same. Don't forget the summer. budget reset IS NOW LIVE. GET A FULL. year of Dollar Wise Premium Plus my four. best-selling educational courses and a. digital copy of my budget-friendly. cookbook and my exclusive 30-day meal. plan signed by me and mailed directly to. you. This is a better deal than we've. ever done before and it's only for a. limited time. It is 67% off everything. So, don't wait until that first pool. party to get financially ripped. Click.

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