Financial Audit's Most Disturbing Episode

So, what about when you someone? >> I did not. All right. It was. allegations. One of her friends messaged. me and was like, "Oh, so you think it's. funny doing that to a woman. >> and your ex accused you of assaulting. her daughter.". >> Yeah. Well, >> the third thing, Islamophobic and. >> No. >> And Kidler, we're not stacking up well. for you. >> I don't think it's also It's not all my. fault. Not every time. Dollar Wise is finally here, sending. waves through the personal finance. world. This is officially now the best.

budgeting app on the market, and I'm. giving you a special deal to download, but only through March [music] 31st. Take a free 3-day trial to test it out, and then you get the monthly plan at a. 33% discount for the first 3 months, or. the annual plan at an insane 50%. discount. And with the annual, you get. my budget friendly cookbook and my brand. new 30-day detailed budget meal plan. signed by me and me directly to you. After March [music] 31st, the cookbook. is going away forever. So, this is. literally your last chance. Don't miss. the opportunity of a lifetime. Download. dollar wise to start your free trial. Go. to dollar.com or click the link below. >> I'm Philip. I'm 27 years old. I am from.

Upper Sanduski, Ohio. And this is. Financial Audit. >> Yes, it is. Thanks for coming down from. Ohio. Everyone's least favorite state. >> Hey. Okay, >> that's okay. >> I know you're from Michigan and there's. a little bit of. >> It's literally everyone's favorite. state, but that's okay. Hey, what do you. do for a living in Upper Sanduski? >> I am a fire protection engineer. >> Are you sure you're not a banker? >> I'm sure I'm not a banker. No, cuz if I.

was a banker, if I was something. different, I would be probably better. with money than I actually. >> something different. >> I don't know. I got a big nose. Like. >> what? >> Well, and the comb over. >> Okay. Well, that that was because of a. bad haircut I got yesterday. >> Orthodox beard. I. >> fire engineer. >> Yeah. Yep. I designed the sprinkler. systems for buildings. >> It's exciting. I think maybe I don't. know. What do you make doing that? That. sounds like potential money. >> Uh my company that I was at, I was.

making 70,000 salary. >> that you were at? >> Yes. >> Well, what the does that mean that? Okay. How about the company you are at? >> The company I'm at now, I make. >> But I give a about the Hold on. Before. you even tell me, why the would you even. give me the the company I want? Because. >> when you ask me my job, you know, and my. income, can you ask me my job and. income? Like, what do you do for a. living? >> What do you do for a living? How much do. you make? >> Um, I'm a YouTuber, but when I worked at. Jimmy Johnson, I made minimum wage.

>> Um, >> you see how this What the you talk? Why. do I Why would I give a I mean, I'm sorry I'm derailing the. conversation, but just what a weird. answer. Like I'm like I feel like I've. given someone gave me that answer once. also in the history of this show which. by the way makes you an extreme minority. >> but you said that. >> I just don't get like why would you even. Okay. Do you want to Why did you say. that? >> I I said that because I just started. this job a week ago. >> Also why does it matter though? It's. still okay. >> And all these finances were during that.

that old job. I don't have a whole lot. of diversity. What do you make of Ohio? Um, I make 3850 an hour. >> Okay. What does that translate to? >> Um, I'm not 100% sure yet cuz I haven't. had a paycheck since I just started that. a week ago today. >> Okay. What was your hourly in the last. one? >> It was salary. I was salary. My last one. is 70,000. I brought at the time I. brought home 9.85 a week. >> Okay. 38.50 at I'm assuming 40 hours a. week, right? >> Yes. Yep. That's going to be baseline. >> 80,000 bucks.

>> Yeah. Yep. >> Okay. And. your salary was 70. Yeah. >> And what was hitting your account on a. bi-weekly basis or whatever it was? >> Weekly basis was 985. That was after. health insurance, dental, vision, as. well as any 185. >> 985. Yeah. >> Okay. I'm going to assume. 12. I'm going to assume you're at like. $4,800 a month after taxes. No.

>> Uh, now probably. probably would be. close to that. Um, for the new job, it. does require me to move to Florida. >> Oh, you're moving? >> Possibly. >> Well, that's better. Sunny, warm. >> Jacksonville, though. >> I don't know. >> So, it's not ideal. Everyone from. Florida always says like Jacksonville is. like not the ideal place to go. >> Well, you'll be able to snorkel from. 100t down by just looking up with the. size of that thing. So, >> get excited. >> Oh, you know, >> your best self is just ahead of you. Okay. >> Yeah. >> Well, this is exciting moving portal,

right? >> Yeah. If I decide to go through with it, it will be um. >> I assume it's going to be a dramatic. increase in cost of living though. between Jacksonville, Florida and middle. of absolutely nowhere. Upper Sanduski, not the good Sanduski where your point. is, Ohio. >> So the $10,000 increase you have in pay. Is that actually making the gap? >> It's well it's also unlimited overtime. and they are the company's severely. behind. household income in the $70,000. range is a very good income in for.

Sanduski whereas it's uh halfway uh. let's see where that same translates to. 118,000 in cost of living and okay why. would you even did you get fired. >> I did not get fired at all. >> okay well with the move that is required. you are absolutely losing money. regardless of like a few hundred bucks a. year in state income tax we're talking. tens of thousands. Tens of thousands separated. What is. that like 50,000 bucks separated in cost.

of living alone adjusting for where you. were at 70,000 hours? You would have to. make 120 there. >> I did not do that research. >> They they said they don't want me down. They want me down there before February. 28th. >> Oh, that's coming quick. >> Yes. But they said that if I can if I. have to push it off a little bit, I can. like a month. >> a little bit a month into March. >> Well, a move isn't the necessarily the. hardest thing in the world. Depends. where you are. I mean, I moved down to. Austin from Kel Mazoo when I got a new. job opportunity in about a week of. accepting it. I just literally sold as.

much as I could, threw away the rest, pack up a sedan, and moved on down. Cost. me like a couple hundred bucks max. >> Well, the hard the hardest part is just. going to be selling the house. >> You own a house? >> Yes. I have a. >> place where no one wants to live. Yeah, that is going to be difficult. >> Yep. >> Oh, okay. Well, 27 homeowner. That's. pretty good. How long have you owned it? >> Uh, March of 22. >> Okay. Hopefully that has given us some. distance in the actual equity position. from the time you've owned it with. market movements for you to sell and not. have to write a check. And we know how.

people like you don't like to write. checks. That'll be very disappointing. >> Um a little bit I have a little bit of. position probably like if I sell it what. it's expected to sell at it probably be. like 10,000 equity after after closing. cost after. 10,000. You walk away with nothing. >> Yeah. because I think right what it's. expected to sell at or what it's. anticipated is like is like 30,000 above. what I owe. So, >> okay. But you say you have the. opportunity to back out. What's so. unique about this opportunity to back. out versus what would just be.

>> It's more so just like if I wanted if I. wanted to, I could quit the job and stay. where I am. >> Sure. >> What about your last job? Are they ready. to take you back? >> I could possibly go back. >> Possibly. That doesn't sound very. confident. So, you'd be incomeless. possibly. >> Well, that's Yeah, exactly. Like I don't. It would be like. >> Which one? What's your confidence level. of taking that job back? >> I I'm pretty confident that they would. take me back, but. >> Well, the house is listed. >> No, it's not. It's not listed yet. >> Okay. I just have the house. I just have. the house. >> No, Lindsay found the listing for uh and.

whatever. >> Oh, TWO BED, ONE BATH. That's hard to. sell. >> But but if you look at the pictures, there's room to make it a three bed, two. bath. >> If I look at the pictures, hopefully. they are updated because wow, that is. carpet and wallpaper throughout the. entire house. I changed all the wall as much of the. wallpaper as I could. >> You tell me you changed the carpet. >> Carpet I did not because it was brand. new carpet at the time and I didn't want. >> carpet throughout the house. You. shouldn't have that regardless. No one. wants that. >> Yeah, I know. I need to. >> It is in the 80s7s ' 60s.

>> if I move if I ended up moving down to. Florida. I was considering renting it. out if I could find somebody. >> Well, but it says principal balance is. only 80,000. >> So, you would have a great equity. position. Um, well, it's. we we we'll get into that. It's a little. different than you than you think it is. >> Um, >> what? There's. >> I'm getting late. Oh, for Okay. Well, that will be. >> Yep. >> Okay. Well, we'll get into that soon. What the.

>> dude? It's not an expensive house, especially at the income you wereing on. in a place that is cheap as a dick and. you're considering moving with the cost. of living gap and you can't even pay. your mortgage. What are you doing? What. are you do? What the is wrong with you? What are you considering? Why'd you even. accept this job? Why did you leave that. job and get a new job? What was the. point? >> Uh because the Well, at my old job, I. was very I was kind of like fed up with. a lot of things they were doing. They. were I mean obviously it was salary so.

it was 40 hours is what I was being my. base pay but I didn't get overtime and I. was working like 55 to 60 hours a lot of. weeks to try to catch up and then they. just kept throwing more projects on my. plate even though I told them I'm I'm. like way behind. I need time to catch up. and then just things with like other. people in the office. I I just did not. enjoy being there anymore and it was. kind of like it was kind of ruining my. whole. >> Well, I'm literally being told you're. here because you're just endlessly being. a sending girls money.

>> Most of them are my female friends. Yes. >> Female. Okay. >> Okay. I'm not. >> insult language. >> Okay. >> Are you getting laid? >> 5 4 3 2 1. >> No, I'm not even trying to with with any. of that. >> You're a virgin? >> No. No. Far from it. >> Okay. So why again am I being told like. a lot of your financial problems have to. do with you being a uh a a mil hunter. and just sending women money left and. right? What the is going on? >> The cuck part is because I have a lot of. friends who suck with money just as bad.

as I do. But when I do you the one. sending them money and I do get a little. money I help them out when I can. >> The women vaginas. >> Well, I mean they're women but I don't. get anything out of them because they're. they're just my friends. >> What's the relationships to them? >> Platonic fully. They're just just my. friends. >> And how close are you to them? >> Uh, a few of them I know in person and. then a couple of them are just social. media friends. >> There it is. >> What? >> Social media friends. What? You're. sending money to social media friends. that are attractive. Are they. attractive? >> Well, yeah.

>> Okay. >> I don't have ugly friends. >> There it is. There it is. >> I'm not friends with ugly people. >> Huh? Can I uh see these social media. ladies? >> Uh, >> they won't be put on screen just for me. My eyes only. My my precious eyes only. And I will tell you where they are on. the goon scale because I think you all. kind of understand what's going on here. Hey, Florida, they got lots of BBLs and. fake titties there. You'll be happy, but. you'll also be blowing um your load. And. by your load, I mean your wallet towards. them.

>> Uh let me see if I can. >> You go to surf clubs? >> No, I don't. I've never been to one. >> Okay, well that's good cuz you would. lose a lot. >> They don't give money. >> It's cuz you haven't been. That's what I. That's what I used to think. I've been. told that one of my friends lives up in. Cleveland and he go and he goes with his. girlfriend. >> quite a bit. I'm like, "Dude, you have. >> Yeah, I went with my girlfriend." Okay. Well, you. >> Uh there's the one girl that I'm friends. with. >> Yes, I know. >> Wait till you see. >> like she just posts a lot of random.

but she's also one of my. >> post a lot of random that are uh. thirst traps and. >> Okay, that's one that you just scrolled. that you scrolled on. >> Well, first of all, it was the one that. you showed me. Okay. >> Big and uh [laughter] like way. >> Yeah. >> Like. Okay. >> Yeah. She's one she's one of my friends. >> Okay. That's a. >> If you if you scroll up, we follow each. other. >> Okay. I can show a picture that's not. her face, right? To them. >> Yeah. As long as her profile. >> This is what she is showing.

>> This is what he's sending pictures to. >> Which one is it? >> Uh. >> it's not pictures. It's It's just. >> No, this is what she's posting online. No She's trying to get money. >> Yeah. What? Like, >> dude, what the Yeah, show me the next. We've been friends. >> Okay. >> Oh my gosh, that's such a goon. She's. showing like the [laughter]. like we know what's happening here. That's not You're not They're milking. you. They're milking you without you. getting the benefit of getting milked.

>> I mean, I guess. Yeah. >> Well, at least if you were having. problem, I could give you a high five. cuz you're nutting. And I think we're. all pretty okay with what consenting. adults do these days. I don't really. give a. >> Yeah, but you're just out there giving. money to women that do nothing. >> because they're my friends. >> And you're like a super Christian. Tattoo, cross, and everything. He was. bragging about it when I walked in the. door. Like it was a proud proud of it. >> Okay, good. Well, yeah. Almost knocking. up women left and right with raw raw. dickies, >> I guess. >> Like, what is that? >> No. Is that what Christians are? No.

one's perfect. No one's perfect. >> Okay. >> Got to repent sometimes. >> They're your virtual. Have you ever met. them? >> In my brain. Never met them. >> No, not in person. No. >> In my brain, they are strictly platonic. >> You've never met them? >> Not in person. No. >> You're a s? >> No. What? What? By the way, again, pass 200. mortgage and sending these Asian egirl. titty chicks money. >> What the are we doing? >> It wasn't that much. >> You're calling it friendship. There is.

so much more happening in that brain. than that that you're not willing to um. acknowledge. >> If anything, it's all subconscious that. I don't even think about. But like. >> that's what I just said. >> And and my conscious mind, it's just. purely platonic and just me helping my. friends. >> That's all it is in my mind. >> That's. >> why are they getting money when the when. the mortgage isn't the mortgage that is. a very affordable mortgage that most. people literally murder for in the. United States. The median home price is.

like 350. Dude, you're at 120. You. bought it for 112 or whatever. >> 128. >> Oh, 128. And it's worth 140. Okay. Yeah, that's right. >> Like people would kill for that. >> Yeah, I know. >> And you're missing it. The goon, but. only mentally to friends that we've. never met online that are all the same. titty gamers. They're all the same, though. >> Not in a racist way. They're literally. all the same. And you're picking the. same like architect.

>> I mean, I got attractive friends. What. can I say? And my friends are attractive. >> Friends that you've never met that you. send money, too, that post booby shots. online. I think you don't know what the. term friendship means. >> I mean, we're friends and we talk to. each other so often. We're not like. super close friends. >> And if you ever stopped giving them. money, do you think you would still be. talking to them? >> I haven't given anybody money in months. >> Months. >> A couple months. Yeah. >> A couple months. See, it just gets. months too. A couple months, [laughter]. too. It's going to be even less than. that, I'm sure. Soon enough. And I'm. sure once Listen, a couple months isn't.

long enough for someone to be like, "Oh, this person's done.". >> Well, >> we have money giving in the statements, I'm being told. So, like, literally, it's in the statements. So, what are we. talking about, dude? >> Okay. So, I don't understand. >> this job. Why did you accept it? Because. you're moving to Florida. The cost of. living is going to be completely from. the small ass town that you're from. where nothing happens. And that's okay. I understand wanting to leave that but. trying to translate 70 to 80 but there. were that 70 is worth 120 just about.

like what what is our thought what's our. mentality what is happening. >> so it was it was. >> you're not going to have more money to. send to the Asian e girls. >> no not that it was a mixture of like. when I spoke to the guy who owns the. company um he reached out to me directly. he called my phone number um and he was. telling me like he pretty much asked me. like how much I made and he was like oh. if we give do this much more. Would that. help like if you like get get us on get. you on our side? I'm like, well, that. depends. Like, do I have to move down.

there or can I work remote? And he said. he would want me to move down as soon as. I can, but like in a realistic way where. I'm not screwing myself over. Sure. But. then he also even still the in. regardless if you move one or 3 months. later, the income translation. >> But he also uh pretty much let me pick. how much I wanted for a relocation. bonus. I mean, just long-term wise, I. mean, you're not up longterm. there. Even still, I'm still concerned. about this massive cost of living gap. >> Yeah. >> Cuz you're literally coming from the. place that no one wants to live, which.

is why it is soing cheap to live there. >> There's classic demand. >> Yep. >> It's low. >> To a place where demand is high. Florida's one of the most high influx. states outside of Texas. >> Yeah. Well, the other thing, too, is. like me personally, I hate having free. time because that's how I get into. these. >> That means nothing to me. if there is. work to do is still the question. >> Well, it's also like the overtime and. everything from the main job, but I also. would be immediately looking for a. second job as soon as I get there. because when I have the free time.

>> You have a second job now. What is that? >> It's just a gas station Casey's. >> That's your second job? >> I Well, the first two weeks there I put. in like. >> I'm not looking down on that job, but. you seem like you'd be able to do. something else remote and like hire. Peyton. >> I would like to, but I haven't really. done a whole lot of research into like. finding Yeah. >> What's your degree? >> Associates in mechanical engineering. >> Associates. Okay, that's fine. I'll get. your course career certification. You. can be in the tech world. >> I wanted to get into project management. or. >> you careers have that.

>> Yeah, it does. >> Um, >> so we'll do that. A lot of people in the. audience have used it to get a lot of. higher paid jobs or different jobs. >> I was looking into it, but um. >> you had a second job at Taco Bell. I. thought that's what I thought your. second job was. >> It was at first. I got fired on my when. I was. >> fired at How do you get fired at Taco. Bell? What is wrong with you? >> I worked with a couple of my friends and. one of them was a guy friend, one of. them was platonic and. >> here we get what the friend is. What is. happening? I thought you were stealing. change from the. >> So the guy friend I he like made a joke.

like make it like a little dig at me. So. I kind of like slapped his ass a little. bit in like a friendly way. >> I'm very straight. I'm very straight. It. was a. >> says every straight guy. >> Anyway, >> usually most straight guys don't have to. defend their straightness. Uh, >> I'd say the gayest thing besides taking. a dick in your ass is being, you know, potentially offended about your. masculinity. >> I get that. No, I It was kind of He made. a dig at me, so I kind of like did that. as a joke back. Whatever. >> And then. >> Brandon, Ma, Christian, and I roast each.

other constantly. >> I've never touched one of their cheeks. >> Well, me and my friends are next time. Huh? >> Me and my. >> Okay. You get in there. You get in. Christian's cheeks. >> See, he gets it. >> when he roasts. really make a good game. >> Yeah, just a little back. >> That's good game, but not like roast. back cuz you roast back. >> Yeah. >> Well, but not you don't. >> I do. And then I just get like a little. back. No, no, it's a little backend like. like a nice one like whatever. No, not a. little not a little grabby. No,

>> in 2026 that was considered. >> Honestly, you're probably right. Well, that's a different story. Um. I [laughter] don't I don't think I told. Lindsay that. I didn't do anything. It. was allegations. >> Hold on. [laughter] I do want to get to that. because that is uh very interesting. >> That might be a post show thing. >> No, that might be uh what you're about. to say immediately after this, but okay. You touched your you you you slid into. your friend's ass. Okay. >> That's all it was. And then my platonic.

friend, I'd been friends with her. Um. someone had specifically called her out. to go back and do dishes and she is a. woman. >> And I made a joke. I'm like, "Yeah, go. do the dishes like you're supposed to.". And. >> no, that's a good joke. >> Well, I said well I think what I said. was like go do go do the dishes like a. woman should. >> Yeah, it's it's friends banter. I know. >> someone else was in there didn't like. hearing. No, someone working. >> Yeah, I know. >> Yeah, exactly. Did not like it. >> Told the man told the store manager and.

they were and said that I made them. uncomfortable by saying that. And then. >> our culture has gone downhill. You can't. even make a joke with your friend. >> You suck with money so you download a. budgeting app. You start with the. classic one. Why nab? But everyone just. deletes it because it's way too. complicated to use. So you go to every. dollar. That's Dave Ramsey, the personal. finance guy, right? Well, they're going. to force you to use it his way. That's. not very personal finances. Rocket. Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in 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. DollarWise. Built by these people just. like you, for people just like you. No. private equity, no gimmicks, just the. best budgeting app there is. Download it. now. Start the free trial. Wise.com. Link in the description below. That's. kind ofing stupid. I'll be honest. But. what's not is actually getting a.

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like, "Hey, like I don't know my. schedule. The app isn't working. Like, when am I supposed to be in next?" And. they were like, "Oh, well, we're. actually going to have to let you go. because you made some comments and made. someone uncomfortable.". >> Redditors and Tik Tockers ruining it all. for the rest of us. >> Yeah. So, that kind of did that. >> Just like you ruined the Middle East, [sighs]. >> honestly. Maybe it never mind. Um the. And then the next day, right after that. phone call, >> they ruined it themselves a long time. before. >> Yeah. Um the next day after that. conversation with Taco Bell where I got. fired, I got a call from the store.

manager at Casey's and they're like, "Hey, are you still interested in. working for us?" Okay. I'm like, >> "So what about when you someone?". >> I did not. All right. It was. allegations. Um. >> dude, tell. >> So it was. >> none of us know about this. >> This is going to be really bad. Not even. two different times. >> where I was accused. Listen, if you were. a social media influencer, I would I. would I would accept that because every. social media influencer has fake. accusations. That's just the reality. However, you are, and no offense to you, a nobody, which means there's no reason.

for accusations to be against you. >> I'm not really like I'm not an. influencer. I only have a couple. thousand on TikTok, but I have friends. that are like over a million on TikTok. that I'm friends with. >> Yeah. But that doesn't translate. >> But um No, this was uh a year and a half. ago or whatever. But I went to visit one. of my friends and help she she was help. she was having me help um fix her house. >> Well, I was she was paying me to help. fix her septic tank. >> I can take care of your [music] pipe.

>> Ma'am, I do my own plumbing. >> Okay. >> Because it was broken. She was paying. me. >> Well, we ended up hooking up that night. >> Maybe if [music] I can figure out. another form of payment. >> You mean like a check? And then the day. after or maybe a couple days after after. I got home, >> one of her friends messaged me and was. like, "Oh, so you think it's funny doing. that to a woman?" I'm like, "What are. you talking about?" And he's like, "Well, you you think it's funny forcing. a woman into having sex with you?" I'm.

like, "Where did that come from?". Because it was fully consensual. And I. found out through a group chat with me, him, her, and one other person that she. had lied to them and told them that I. kind of forced myself onto them. And I. recounted the whole story like minute. for minute of what happened. And they. were like, "Oh, is that true?" asking. her and she said it was all true, what I. said, admitting that she lied. >> Uh, unfortunately, for what it's worth, they do that a lot these days. I really. don't understand why. It's actually kind.

of crazy. Yeah. >> Um, uh, 2020 ruined a lot of people's. brains and they immediately look for. victimhood. Yes, that is very weird. I'm. glad to hear that she backtracked when. called out as most should. >> And if she. >> if you faced any real world consequences. for it. I She should go to jail. But. sounds like you didn't. But you got a. second one. >> It fooled me. We can't get fooled again. >> The second one was just purely a lie. because somebody that I caught. >> Well, was the first one not a lie? Cuz. so far I was on your side based on the.

fact that she backtracked. But So, the. second one was like nothing even. happened between me and any woman at all. in this situation. It was someone that I. caught cheating on his girlfriend with. three other women. >> Not a guy cheating. >> I caught a guy cheating on four women in. total and he did not like me at all. because of it. So, he started spreading. false rumors that I had the woman. cheated on her and uh uh forced an. abortion.

Yeah, he started lying to people about. that and I had two. >> Who was this woman? Do you know? >> No, he he didn't even give a name of who. it was. He said it was he the people. that he spread the rumor to, he just. told it was a woman who didn't want to. be named. I'm like I haven't been with a. woman in several months. >> Okay. Okay. Okay. >> But the guy was in the military and. because of his whole infidelity thing. cuz he was married at the time. Listen, again, there is lots because of where we.

were with Me Too, which was with good. intentions. There's lots of weaponizing. and lots of self victimhood, especially. young Gen Z women. There's it's crazy. and there's weaponization. It's the. internet's gone off the rails, but. luckily, no one takes them seriously any. more. Unfortunately, this hurts real. victims. However, I would be on your side until a night a. note just got typed to me. And this is. where it's a little difficult and I'm. starting to struggle because again an. influencer. Sure. I would expect that. there's a thousand allegations against. literally every influencer forever.

Never hear about any of them cuz it's. all stupid and it's all nothing. That's. just people getting upset and jealous. that someone became famous blah blah. blah blah blah or they want their 15. minutes. We get it. But you're nothing. And that's not offensive. Like well it. might be offensive but it's not meant as. a dig to you. You don't have anything. for anyone to latch on to. That game. doesn't work for you. And your ex accuses you of assaulting. her daughter. >> Yeah. Well, she. >> as a third thing, >> she's a very interesting person. So,

people believe that she. >> So, this is like. >> Well, she's psychotic. >> Well, she's psychotic and people believe. that she killed my cat. >> Okay. I don't know what that has to do. with. >> an allegation. She's crazy. >> Well, people think she killed your cat. You're not saying. >> the detail the details line up to where. she probably did. >> because I left my house at 6:00 a.m. for. work. No cat was in the bathroom. She. woke up at 9:15 allegedly found one of.

my cats dead in the bathroom. >> Uh-huh. But there's a case open against. Here they are. They're pulling up. >> Yeah. They're not for me. They're not. for me. They're for her. She actually. used to live in Texas right after. >> There's an open case against you. >> No, not against me. Against her. I have. a case against her. >> Oh, okay. Thank goodness. I have a case. against her. No, >> this is. >> N. >> Again, again, [clears throat] it's. really hard. If if you were Brandon and. Lindsay who are starting to get known or. if you were any of my YouTuber friends, I'd be like, "Okay, I get it. This is.

welcome to just online." Nobody. knows who you are. You're nothing. >> Well, it's just. >> why is why do these keep happening to. you? >> I It's probably because I make terrible. choices and women specifically. >> about what you do to women. >> No. No. No, >> the women I pick are terrible choices. apparently. >> Like I'm addicted to this I don't. know. I can't explain it to you. Bro, >> you're addicted to punching you. in the face. >> No, I don't. >> Well, but the second one wasn't even a.

woman. You said that was a guy claiming. >> It was a guy just claiming that I did. that to some didn't even exist. >> Forced an abortion. >> Yeah, but the guy was in the military. and it and it came out. >> What does that have to do with anything? because it came out that he was actually. married at the time that he was cheating. on four other women as well as he was. >> So you're saying it was a revenge. accusation? >> Yes. Because he was the one that was. abusive to his now ex-wife. So I think it was like a a retaliation. thing against me and like a bit of a.

projection. >> Why has it happened three times to. someone who nobody knows? >> I don't know. I don't know. Probably. because I make bad decisions in who I. associate with. And if you were an. actor, a musician, it would mean nothing. to me and I would essentially believe. your story that they're all. because they usually are these days. unfortunately. But. I mean it's at the time it was 2025. I. mean women. >> what. >> women. >> in 2025. >> a lot of them like like you said a lot.

of people make up nowadays. They. do, but usually not against things where. they don't get anything like 15 minutes. or bringing down someone's career or, you know, or a paycheck because there's. a lot of hush money, stupid things that. people do because it's an easy paycheck. >> But there's also just psychotic people. out there that don't care who they. >> But you got three. >> Yeah. >> Islamophobic and no. >> and kiddler. >> They're not stacking up well for you. catiller. Well, my ex that accused me of.

things with her daughter, she. there's a lot of story to that. We were. together for three months and in the. Yeah. In those three months, she. allegedly killed my cat. She got me. fired from two jobs. >> What? >> Yeah. >> You got yourself How many jobs you got? Again, those are stacking up, too. Why. are you getting fired from so many jobs? Well, that I was intending on leaving. those jobs cuz I was starting at the. company that I was at, like where I made. 70,000 salary. I was starting at that.

company. So, I was intending on leaving. those jobs anyway. But because of the. situation with her and her being so like. I guess violent in a way to where she. would threaten people online, give them. our address and show and have threatened. them to show up to my house. >> And why the were you dating her for 3. months and not 3 seconds? >> Well, it was shortly after that where I. was like, "All right, yeah." Was it that. grippy? >> No. >> What are you doing? >> It probably It was probably the last. like whole month that I didn't we didn't.

do anything cuz I was just. >> You did for two months. >> Yeah. >> With this crazy. >> Yeah. I was down bad. >> I was down bad. >> Listen, just because of where we are in. our culture, I relatively am on your. side and kind of believe you. Unless, again, it's just like unless that group. chat is there and like that story you. told about how she backtracked isn't. actually a thing that happened, then all. of a sudden you lose credibility and. that's going to be a hard time. But I. rather based on our culture and all this. we saw, we've seen online these.

past few years where the new generation. that grew up watching me too and they. they now they've weaponized it and. they're crazy online, Reddit, Tik Tok, all that It's like I relatively. believe you, >> but all it takes is one little thing and. I'm done and I'm done and I'm on their. side. >> Well, I've I've had a lot of people like. there's there's a few people that I'm. friends with. Okay, don't take it that. way. >> A lot of a lot of people that I'm. friends with on TikTok are known for. like calling out these people who are. abusers or stuff like that and actually.

like. >> Well, yeah, it's cuz it's. >> they actually hold legal like legal. action against them and file police. reports, stuff like that. >> No, cancellation is an economy. They've. looked into me all for all three. allegations and all three of them. >> You just called them your friends. >> Well, yeah, because they're they're. still objective because it's legal. matters that they hold people for and. they've looked into me for in all three. cases and all three times have been. like, "Yeah, this like nothing's. happened. Like, this dude is good to. go.". >> So, how long into your relationship with. this woman that alleged you was a kitty.

diddler? >> Right at the end. Right after we broke. up. >> Huh? >> Right after we broke up. >> No, no, no. How long into the. relationship did she endlessly dump her. baby on you while she went and other. men? >> She she was on FaceTime with them. I. mean, she did cheat on me like at the. very end, but that was like right before. we broke up. Um, it was the. >> on FaceTime with other men and why were. [laughter] you okay with that? >> Well, cuz it was a it was a mutual. friend of ours. >> Lots of friends. >> I know. I know. Um. >> um but it was probably the past the last.

like 3 4 weeks that she would I would. get home from work. >> That's half the relationship. >> close. Yeah, it was a third. Um but it. was the last like 3 4 weeks where I. would get home from work where I was. working like 11 12 hours including drive. time. And she would just be like, "Hey, can you take can you take her? Like I. need time to relax." And she would just. go upstairs into our bedroom, smoke. weed, drink alcohol, and be on FaceTime. with her. again, you were not breaking. up with her that day because. >> So, at that point, we had she had.

already um had scheduled a little like. vacation to go see one of her. girlfriends and she was going with her. daughter to go see her. So, I'm like, "All right, when that happens, she's. taking all of her and getting out. Like, I'm I was done at that point." And. um so she went she got on a greyhound. and ended up going to Oklahoma to see. one of her girlfriends and then ended up. accusing the husband of the girlfriend. of her. >> Okay. Yeah. Again, weaponizing. It's.

It's crazy. It's a It's a bad time that. we're in right now. >> What is not not an allegation? What is. 100% real is you are behind on your. mortgage. >> Yeah. >> That ain't no allegation. >> Yeah. Yep. >> Yep. That is real. That is real. I was. behind. Dled your mortgage. >> How'd you that? Um, so the. >> I will talk about that in a second, but. first give me your hammer financial. score. >> Oh god. Um, I took the test like four. months ago and it's probably gotten. worse since. So, it's probably close to. like a 75.

>> Okay, round it up to a one. If you want. your Hammer financial score, see where. you stand in the world of money by going. to caleb.com. It just takes a few. seconds or a few minutes to complete the. quiz. It is free. see where you're. standing the world of money, where. you're doing poorly, what you need to do. to improve, and where you're already. doing pretty well. Make sure you. download the Dollar Wise app. It is the. best budgeting app out there. New. features being added every single month. It is absolutely incredible. It will. it'll take you away from all the pedto. world that you might be trying to get. yourself into. It'll save you. It'll.

also save your budget. Dollarwise.app. And all the way through the end of March. for those who sign up for the annual. version after the free trial, which just. take the free trial, see if you like it. Most people sign it for the annual. version because it saves them about 50%. You get my budget friendly cookbook. There's no kitty pics in here. That's a. good thing. I will sign it and I will. mail it directly to you. Sorry, buddy. It's only pictures of. food. >> Well, I'm fat, so it's fine. >> All right. So, yeah, the mortgage. What? >> Um, so to my credit, there was an issue.

with Huntington where like they have a. feature called bill pay where. >> it's their fault you missed your. mortgage. I don't know. It's not all. their fault. It was also my fault. because I'm terrible with money at the. time. Um, Huntington had issue with. >> the ceasefire happened and you got real. upset. >> Started not paying your bills. >> Had to had to help a little bit where. Huntington's bill pay feature. essentially would take the money out of. your account. They would write a check. and mail it out to the institution that. you send it to. >> Mhm. >> But there was an issue where they.

wouldn't send the money. They wouldn't. send the check, but it would still take. the money out of my account. So, I had. that issue for a few months. Um, ended. up getting that resolved, but that. >> for the first month that caused me late. on the payment. >> And then after that, it was just I was. trying to play catchup. So, I was. >> ketchup though. You made so much money. compared to what this mortgage payment. is. The catchup are you doing ketchup? You ketchup. What are you talking about? >> I just. >> What are you talking about ketchup? You. don't have to catch up to anything. >> I I pass 572 dick. What's your normal.

mortgage payment when there's not late. at? >> It's like 579. [screaming]. >> How are you passed on 579? >> I I I don't know. I just when when the. time comes for it to come out, it it. just it just isn't there. I don't I. don't know. >> 579 is insane. What kind of mortgage is. that low? What kind of mortgage is that. low? I have I have never seen a mortgage. that low. That ising insane. >> Yeah. I got I got very lucky with how I. was with the position I got I put myself.

in when I bought the house. Um because I. I lived with my parents for like five. years while working as an engineer. >> to save up. >> Dude, you've given privilege in every. way whatsoever. >> Yeah. >> Every way whatsoever. >> Yep. >> Not even aation takes you down. What do. you And you're throwing it all away. This makes no sense. >> I Yeah. I need to I need I. >> You just stack them up. You're like, "Will the fourth one get me?" I don't. think so. Well, I don't think it's also it's not all my. fault. Not every time. Because I mean, Huntington Huntington.

up. They took the money out of my. account, but they never pay. >> Catch up. Ketchup makes no sense in a. $579 mortgage. >> $1,500 behind at one point. >> Dude, you make $7,000 a year in a low. cost of living area. That $1,500 is a. normal mortgage payment for most people. >> Not in my area. >> Doesn't matter with your income. Yes. You make well above the median household. income for that area. >> Okay. Okay. For my. >> CANADIAN HOUSEHOLD, TWO people of which. you will never have. >> Yeah. For my area. Yes. But I also I. also want to enjoy my life. I'm not. going to just sit at home do nothing all.

the time. >> I know the playground's nearby, but you. can sit at home. You said you're a. homebody. >> The playground's actually right behind. my house cuz I live. >> Is that why you're selling? It's a for. sale. >> No, I live across the street from an. elementary school. >> Got to get you closer to the retirement. communities. >> No, that's on the south side of town. I'm on the west side. >> Huh? >> I'm on. >> No, Florida. Oh, well, >> where the olds live. >> Okay. Well, no, cuz they don't live in. Jacksonville. They're in Clear Water. Is. that Clear Water? >> Dude, I don't know where that I don't. track old people. I'm not a I'm not a.

dust chaser. Okay, >> I'm not surprised. >> You should be able to catch up easy. >> Well, my problem is I know what I'm. doing. I just don't do it. >> What? >> I know what I should. >> How does that make sense? >> I know what I should be doing. >> Why the aren't you? >> I just don't. That sounds great for a. guy that has a lot of allegations. I. know what I'm supposed to do, but I. don't. I know what I'm not allowed to. do, but I do it. >> Let me rephrase. I know what I'm. supposed to do with money. >> You tell yourself no constantly, and. then you do it anyway. >> Okay. All right. That makes it sound so.

much worse than it is. >> Hey, you said it, not me. >> Yeah. >> No, I said it. >> Yeah, you did. You did say it. >> You alleged it. >> I I didn't. >> Why aren't you doing dude? >> I I'm. >> If you know it, that makes no sense to. me. >> Well, I've been trying to change it. >> Oh, what the is your try? I don't do it. That's me trying. >> I got a second job. >> I got a second job. >> You've had a second job forever and you. get fired from all of them. >> Okay. Well, the firing wasn't my fault. That was my ex. >> Okay. Well, you grab someone. told a woman to clean. You're a sexist.

peg. >> You made the joke before I could even. get the line out. >> So, what is your trying? Your trying is. you get a second job after getting fired. from every single job ever in the. history of every thing ever since. You're only 27 years old. Yeah. >> Crazy. >> This is not an income situation. No, you. made $70,000 and you're you can't catch. up on a 1,500, you know, a $579 a month. payment on a 1,500 pass due balance on. your mortgage. This is not an income. situation. behavior. So, you working extra money to. get extra money ain't helping. That's.

not your problem. >> It it's it's a it's a me thing. It's a. it's a impulse thing. >> Yeah. No So, don't say you're. trying by getting a second job. That's. >> trying to control it. >> Yeah. you. It's not doing anything. Plus, what are you even getting at the. gas station? Uh, energy drinks, snacks. >> What are you making? >> What do you mean? >> You work there. >> Oh, well, yeah. Now I do. Now I do. >> Oh, been working there. >> Oh, he's Oh, he's actually stupid. >> Oh, >> I've only been working there for about 3. weeks. >> Oh, you It doesn't matter. You dumbass.

I Oh, buddy. Oh, >> now whenever whenever I'm just talking. about how you're making more money, so. that's like your big thing. And I ask. what you're getting and you say energy. drinks. Oh, you're a piece of. >> but now whenever I work there. >> with you. >> but I don't eat as much as I used to. >> my appetite has gone way down. >> zic. >> no nope I just force I just force myself. to go really do. >> I wish I could but I just I. >> why.

>> it would be nice. >> I'm phobic to needles you I'd pass out. every time what about you. >> well I'm not phobic to it I don't I just. don't like needles but also I just don't. want to I don't believe in like paying. for something that. >> I can do for free. >> Like if I can if I can lose weight. because Ozepic also isn't like a. permanent thing because as soon as. >> you have tattoos, needle guy. >> Yeah. I don't that's I mean I'm not. scared of needles. I just don't like the. feeling of it sometimes. >> Okay.

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>> What is home equity? Oh, is this what. you were alluding to earlier? What? What. the is going on? >> It's a It's a HELOC. >> Why? >> Uh I got [screaming]. >> Why? >> I got behind at one point. >> What? How? It just makes no sense. You're in one of the most privileged. positions anyone has ever been in on. this show. >> Well, >> doesn't go to prison for. uh given everything from their parents, incredible income in a no cost of living. area. [music].

>> Yeah. >> What are we doing? Um, well, I just kind. of made bad decisions and it those. decisions were several several thousands. like dick buying motorcycles and random. on marketplace that I think. >> you thought that would get the Asian. baddies to want to be your. >> No, no, that was purely because I like. motorcycles. My grandpa races so I. wanted to kind of do something that he I. could bond with. >> You like for that? >> Well, it wasn't just for that. It was. also just for random I use it as. kind of like a.

>> dude is $33,593.95. >> Yeah. >> WHAT IS WRONG WITH YOU? >> A LOT APPARENTLY. Um. >> that's insane. 13% interest rate of. death of insanity of you of you. >> The monthly payments are 1% of statement. balance and then the interest is on top. of that. >> So you took this out of your house? >> Yeah, that's. >> Where did it all go? it. >> That's a ton of money. >> Honestly, I couldn't tell you.

>> How long did you have it? >> I've had it for. >> No. How long did you have the money in. hand that you took out? >> It was probably over with the course of. like five, six months. >> I'm being told a month and a half. >> It was a leading question cuz I knew the. answer and I knew he would say it wrong. >> It might have been It might have been. that short. >> Uhhuh. >> I I could have swore it was a lot longer. though because like when I. >> cuz I remember it was like a they gave. me like a little checkbook cuz they're. it's a dumb bank. They don't have cards. for that yet. Um, so they gave me a.

little checkbook that I had to use and I. had to use that and deposit it into my. account and then I could use the money. for it. And I thought that it was over. the span of like a decent amount of time. cuz I thought it went into the. springtime where I was using it, but it. might not have been, but I thought it. was. >> You paid off a lot of debt with it and. you wrecked it all right back up. >> Yeah, I did. We already have theing. story and as they type it to me, I learn. instead of you just being able to tell. me what is wrong with you, just tell me. the answers. >> Well, a lot of times I there's been so.

much going on where it's like different. different loans or different things or. stuff like that where it's like my. timelines geted up because I just can't. keep track was one of them. >> Yeah, it was. >> sound bar of some kind. >> Yeah, it was a sound bar for the house. >> What are we doing, dude? Well, how long. into the ownership of this house did you. take this helock out? >> It was just about two and a half years. >> So, this was like a year ago. >> Yeah, it was October of 23. or October 24, I mean.

>> Yeah, 24. >> Yeah. Or was it November? I don't remember which one that was. It. was It was the fall into the winter of. 24 of when I took it out. Chaos dude, what are you doing? Well, this interest rates this minimum. What. is this one main? What did you do with. one main financial? >> Um, another attempt at consolidation. >> No. How many times have you done this? By the age of 27. by 27 is not good. That is You are not a.

credit card person. You can use the F. fizz card, debit card that builds. credit. I will never allow you to have. debt again in your life. You're a. You can't handle it to save your life. >> The worst part is that it uses my truck. as collateral. No, the worst part is the. kid. The second worst part is the truck. >> Okay. Well, yeah, but that's Yeah, it. uses my truck as collateral. So, I. technically just bought the truck off of. myself. for that much. >> But now it's interest rate of of death. And.

>> yeah, 22.41%. The is wrong with you? Yo, $25,876.95. on it. >> Yep. That's incredible. What is wrong. with you? >> Uh I I mean to my credit. >> $132.17. a month more than your literal mortgage. payment. >> Yeah. To my credit though I use that to. pay off everything except for one. motorcycle which I'm taking. [clears throat] but I'm taking that to. back up. And also this isn't paying off.

debt. >> I pay it off 2.41% interest rate of high. balance. Dude, it's 50 the minimum. payment is 50% higher than your mortgage. payment. What is wrong with you? Well, it's better than like the 30 some% a. firm% matter. It didn't change your. behavior and it is still a chunky. minimum payment. It is. What are you. doing? >> And I and I was almost late on the phone. call with Lindsay. You were blaming your. parents for enabling you. You weren't. taking any responsibility to save your. life. Yeah, I know you. >> They were I know your phone call. I. didn't listen to them, but your phone.

calls right there and she's typing it to. me. >> Yeah, they were enabling a little bit. Yeah. >> What? Well, when I So, when I was living. with them, they pretty much just like. they wouldn't let me pay for anything. They wouldn't let me get on my own phone. plan. They wouldn't let me get any. groceries for myself. They wouldn't let. me get my own insurance. All of that. >> For how long? Until what? >> That was until I bought my house and. moved out. >> When did you do that? >> I was 23. I was 23. >> So, for 5 years. >> 23 is not like a crazy age to become. independent for a lot of people. I was. an engineer for 5 years at that point.

>> and I was making decent money at that. point for 5 years and they wouldn't let. me do any any of that stuff to kind of. like ease myself into getting. >> but if you were excited to get a house. why are you not getting excited to be an. adult and learn some basic on your. own? >> Well, when I and then when I lived. >> don't you figure it out. >> and then when I lived with them I kind. of could not use my debit card freely. I. had to ask my dad permission to use it. >> That's weird. And because of that, I. kind of like when I moved out, I was. kind of like, "Oh, I have access to this. money. I don't have to ask anybody for. help. I can get the things that I want.".

And then it just kind of snowballed from. there into what it is today. So, it was. kind of like partially them being so. strict that it enabled my mentality when. I moved out of I can get what I want. now, so I'm going to get it. And then I. went overboard on it. And part of it is. like they didn't really teach me how to. manage. >> You never taken responsibility for. anything in your entire life? >> I can. >> Well, so the answer is no then. >> No, I do when it's my fault cuz I take.

some responsibility. But yeah, I bought I bought the truck. off my dad in December of 23. >> Okay. >> And he he sold it to me for probably. like 10,000 under what it was worth. >> What the You've never had a struggle in. your life, dude. >> No, I haven't. But. >> and you're throwing it away. Makes no. sense. >> I created my own. >> because I like to have things. I like to. have. >> Yeah, you do. >> I like to have a good life. I like to. enjoy my time. >> I don't know if I like that. Oh, so what. came in?

>> Um, what came in? So, that was. >> What's Lend Mark? >> It's another lender. >> It's like, well, that doesn't count as. income coming in. You had income coming. in over 4,600. What went out? What was. your outflow? Um, outflow was probably. around. 9,000, I'd imagine, including the. Lenmark. >> You took Lenmark out the day after you. applied to come on the show. >> Yeah, >> you can't do anything, right? >> Well, okay. I took Yeah, that was uh.

that was a lapse of judgment in a in the. SP in in a short time period. I actually. applied to come on the show three times. and it was only the day after I got. >> you had a competition to make it worse. so you could come on. >> I mean I had to had to get your. attention. >> making Jew jokes but maybe you should. have been a Jew. Your life would be 10. times better. >> I had to get your attention make this. mistake. >> What was your outflow nonJew? >> Including the landmark I'd say probably. close to like 9,000. >> Yeah, just about 8,300. So even.

including the landmark coming in that. brings your total income to $7,788. But outflow is still $8346. So it was still $500 more. >> I don't know where the other $500 would. have been because I don't have well I. don't use I don't have credit cards that. are like available balance interest. acrewing. Is this is your full outflow. >> Oh. >> well maybe there was more money in your. checking account at the beginning of the. month than the end of the month so more. went out. You never know buddy. That's. how it all goes. That's your net. We. don't you know that's your. >> that's your net out.

So whatever off you do on a credit card. in terms of if you put money on there. and it actually makes progress, we don't. consider that as an outflow. We don't. count that as against you. But if more. goes up on a credit card than you put. towards it, the net is still your net. outflow. >> Well, my credit cards have been almost. maxed out for so long that um I never. really had an available balance to use. >> Okay. Well, lendark. >> Yep. >> So what what what is this again? You're. >> saying Lend Mark? It was just a personal. loan because when I tried to sell my.

truck, I needed a down payment. Didn't. have the money for it. >> What's the balance? Cuz I see what's the. monthly payment. What's the balance? >> Um 3,000. >> No. >> No, it is not. >> What's the balance on it? >> $4,93142. Dude, why is that 4,000? >> Uh because you don't know your numbers. at $169.32. Payment was due a couple days ago.

>> Yes. Yep. >> So, this was a down payment, but that's. such a tricky balance. >> It was. >> And you took this out right after you. the day after applying to come on the. show. >> Yeah. So, actually, one thing that is uh. kind of annoying. I went to. >> Oh, you're always late. Oh, they're. because they know you. You're okay with. it? >> Okay. Well, >> what the is happening here? Before we. get into that part, >> what a mess. >> I took it out because when I went to. sell my truck, I have like roughly. anywhere from 10 to 12,000 in negative.

equity. And anytime I tried to get a. vehicle that had enough overhead on the. sale price to value to cover that. negative equity, it required me to put a. few thousand down. And I didn't have. that. >> Few thousand, but this is five. >> Well, when I So, I took out that. personal loan. They got the money in my. account. The next day I went back to the. dealership and said because they already. set me up with a car, told me a down. payment and it was all good. That's why. I got that like that amount. And when I.

went back to the dealership the next day. and said, "Hey, ready to do this trade. in." The down payment doubled that they. required and I didn't have that. So, >> how much was the truck? >> Uh, the truck value at that specific. time was like it was like Well, the. value that they were offering me was. like 125. And you had to put five down. >> And they wanted me to put like four or. five down. Yeah. And then the down. payment doubled the next day. >> without like it was the same lender that. offered me the same one that approved me.

for. >> What is the interest rate on this? I. can't tell. >> on that. It's probably like 24 25. >> Oh my death. >> Yeah. Lenmark doesn't do anything. >> Why would you even if you can't get a. car if you have to finance the down. payment anyway? That's not a down. payment loan. the um the value of the. loan would have been only like. >> home. >> Now I do. Yeah. Before before at the. time I was driving over an hour one way. to get to work. I was driving 120 mi a. day to get to and from the office. >> Like what was your vehicle situation? >> My truck 16 miles.

>> Before that? >> What do you mean? >> Before you got this truck? >> I've had this truck for 2 years. Before. that it was. >> What the What's this? Huh? >> Yeah. No, this Oh my goodness. >> The the car that I have. >> Are you sure that it's this loan and not. a separate Okay, buddy. I I don't even. with Do you even know what you're. talking about? >> Well, you've taken out five loans from. them in the last few couple years. >> Yeah, I have. >> For what? >> Just miscellaneous things.

>> Dude, the one I used at this 25%. interest rate is insane though. >> Yeah, the one I or two of them I used to. buy motorcycles which I then flipped. didn't make anything. I ended up getting. even on those um unfortunately. And then. the other two or three were just just. random. >> A thought came to my mind. If this woman. is actually crazy who alleged you as a. pedto and she has a child, would you not. file claims with CPS and whatnot? >> I have. Yeah.

>> Myself and several of my friends and her. former friends have all filed CPS. claims. But okay. >> Since we broke up in June, she's been. with four different men and moved to. like three or four different states. >> Is she an addict? >> No, she doesn't use. >> Is she bipolar? >> Yeah, very very. >> Yeah, she is very bipolar. >> Oh, she called and asked you if you. wanted to adopt the baby. >> Yes. >> You just you told me at the beginning. you wanted a kid. >> I want a natural my own like biological. kid. >> Natural kid. It [laughter] seems seems a. very rude way to say it. >> I want a biological kid. I want two or.

three biological kids. >> You literally could have saved the kid's. life. CPS and get got involved at the. time. >> and. >> didn't take her. >> Yeah, but she asked you if you wanted to. adopt. >> She she asked me if I wanted to, but. >> I'm not saying you you should be. required to adopt because you're put in. a hard situation, but maybe you could. have fostered for a second. >> I wanted to because like I end up. getting really attached to that girl to. that to her. Okay. In a fatherly way. All right. >> Um. >> you choose your own words. >> Um. >> you said them. I wanted to because I.

also know that my ex would not be able. to give her a very good life at all. >> Yes, that's what I'm saying. >> And but then when I really thought into. it, I would have been essentially a. single dad working over an hour away. from home. >> Yeah, it's not perfect. Still probably. better. >> I wouldn't have been able to afford the. like the care for. >> that's a lie. You can you're situ. What was your situation? You. >> Also, your parents would have helped. >> No, my parents would not. What do you. mean? They help out everything. >> No, they they will not babysit kids.

>> Not babysit, but financially. >> I. >> if you were fostering temporarily for. the sake of a kid's life, I'm not saying. you should be morally forced to. necessarily, but it's like. >> they probably would have helped, but I. also don't like the idea of taking more. from them than I have to. >> because for the sake of the kid, like. it's hard. It's hard. >> I I want my parents to be able to have. to not have to give me. >> I get it. I get it. I get it. I get Also. because my dad. >> And then my next my next follow-up. question. If we're with all these.

scares, these women that you were having. sex with and having raw scares, >> were you literally coming inside of them. raw? >> No. >> Okay. So, you were pulling out. >> Okay. At least you were doing that. Okay. >> I made every attempt I could to prevent. condoms and birth control, but Okay. >> Well, most control. Actually, all of. them were. >> Yeah. That's like one of the first. things I ask before anything sexual. happens is if they're on birth control. just so it's like. >> Oh, never trust the pill though. You got. to do the the arm thing or the IUD. I.

don't trust. >> My crazy ex was on the next one on the. arm thing and then the other one. The. other one had the IUD. >> Good. That one's also good. >> Yeah, >> arm thing is the best and IUD. Then. pill. >> I'm very conscious of of all that. I'm. terrified of having a kid too early with. the wrong person. >> Yeah, cuz the nose will destroy her. vagina on the way out. >> All right. I mean, maybe it's not that big. >> So, what is this? This looks like an. affirm to me or.

>> Yes. Okay, >> it is a firm. >> So, what the are we doing? Art is fast. Amazon foundation disc golf. Tik Tok shop. Tik Tok shop. Wheel. adapters. What are you adapting wheels? The are you wheel adapting, you little. >> That was for my truck. Um, >> oh, you Amazon. Amazon. You owe a 25%. interest rate of loan of death. Few. wheel adapters. Amazon. motorsports. Amazon. Tik Tok.

[screaming]. What is the total balance? >> Um, I think the total balance was like. just shy of 3,000. >> Okay. Yeah, sure. But you got it down to. 1,374, which is stilling crazy. I'm. going to assume the minimum payment is. like 200. What? Okay. Pull up your. Amazon for me. Affirming Amazon, dumb. tit. At least you can be getting 5% on. the Amazon card. What are you doing? And. the Tik Tok shop. I got to see it all. Just I don't want to see your. photos folder. Arm twisting workout.

Dude, you're buying things every 5. seconds to your life. Cat food. That's. obviously okay. Crush hunt two point. traditional. What do you alken? Dodge Ram something. Front brake rotors. I mean, that's probably fine. 48 in. outdoor fire. You don't need that to. survive. Toilet paper. That's probably. >> two p. What? Ply. What's a good ply? >> What's a good ply? Huh? Uh-huh. >> Like Charmin Ultra Soft as many as.

possible. >> Yeah. Is two good enough? >> Two scares me. >> Well, one ply is the that you see. in like bathrooms and public. >> and you only want to do twice as good as. that. >> It's an ultrasoft. Do we know how many? >> I think it's three. >> That's what you got to do. and I will. accept nothing less. >> It's more expensive. It's It's so much. more expensive. >> No, no, no. There is almost nothing more. worth putting actual money to than good. toilet paper and a bed. >> So, >> okay. So, some cat things, camping.

stool, little knives. >> I Those are returned. >> Yeah, that one a return has been. started. >> I don't even remember the. >> cosplay outfit. >> That that one. >> Oh, so that you can get your little. Asian goon girls to finally want you. >> It was supposed to be for Money did it. Now you got a. >> supposed to be for a Tik Tok with a. friend. >> Mhm. >> Um. >> supposed to be and then it got delivered. and nothing happened. >> The knives. I think I ordered those when. I was. >> in your cart. You got a laser invisible gun or. invisible luggage. I just want Dude, you.

look like you're about to do a school. shooting and now this is lining up. >> I keep stuff in my car. >> Elementary school's in your backyard. Watch out. >> Oh my god. No, I keep it in my car if. it's something cool. That would be that. >> holsters. You got mag bags and you got. laser pointers. I'm nervous. >> I have a lot of friends that do that do. cosplay and they ask me to like try. >> And how old are they? >> They're my age or a little bit older. >> They do cosplay for content. So I That's. why I need to be able to Glock Glock. with all extra magazine holders. >> Okay. Well, that's a perfect.

>> tell to never let this man in the office. again. You terrify me. >> You You want to dress nice. You're. getting a lot of nice Oh, you got a He. has a flashing He has a flashing trench. coat. That was Oh, with the elementary. school and everything. This is crazy. >> That was because of. >> What are you doing? You're Oh, what a. freak. >> That was because of the whole um like. aesthetic of like Pey Blinders. Me and. my friends were going to do a video. about it. >> Huh? >> Pey Blinders. You know how they dress. and everything? >> Were you trying to get the kids on the. playground a little? >> No. It was a video trend of people.

dressing like Pey Blinders going out in. public. >> Yeah. I don't want you to be giving. peakies in public. >> Oh my gosh. I'm not going to be doing. that. >> Are you having trouble getting to the. shop? Listen, I'm not a who buys things. on Tik Tok shop. >> I haven't bought anything on Tik Tok. shop in. >> it was on this statement. >> Uh that I probably did. >> Okay. Orders. There it is. >> There's a lot of. >> It wasn't placed on here. >> H maybe a different account perhaps. Well, why is there a Tik Tok shop that. you literally financed?

>> Uh Mhm. >> Oh, because I bought um I bought ramps. for my truck. That way I could put the. front wheels up and get underneath it. easier. I'm a little too fat for getting. underneath it. >> And what is this? Pay later. Affirm. >> That's PayPal. >> Cler. >> Yeah, it's PayPal. I I wasn't able to. screenshot it because when you. screenshot PayPal, it goes to a black. >> So, what the are you doing, Mini Katana? And. >> I bought a katana. It was for the. cosplay for my friend or with my friend. >> Stop your cosplay weird dude. You. can't afford a life.

>> And Lily J Dwan. Lily. Dwan. >> That one. It's from eBay. their uh. plastics from my motorcycle because a. year and a half ago, maybe a year ago, I. hit a deer on my bike and I needed to. replace the plastics to be able to sell. it. So, I bought them and I put them on. and that's what that is. >> It looks like the accountant looped that. into your firm. So, we'll leave the. balance and minimum payment it says, but. that's insane. >> Oh, and then PayPal credit. >> Yeah, you're not going to like it. >> You're addicted. >> You're not going to like it. >> I don't like any of this.

>> Um what? That one I did negotiate with. them. Close the account and it's on a. strict 0% flat flat rate month. >> Why are you pass? I don't know. If you want to land a highpaying job but. don't have experience or a degree, then. you need to learn about course careers. It is the easiest way to land the. highpaying career that you've been. dreaming of. I've done financial audits. for hundreds of people and what I've. learned is that the single biggest.

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one of the founder 500 purchasers to get. my Founder box featuring a bunch of. goodies, plus lifetime access to the. premium version of Dollarise. Don't miss. this opportunity of a lifetime. Download. Dollarise and start your free trial. Go. to dollarise.com or click those links. below. >> I don't know why. Cuz I I set up autopay on it and then. forget about it and then. >> auto pay. NO, YOU DIDN'T. OR YOU DON'T. HAVE ENOUGH MONEY IN your checking. account and you get returned. >> It's maxed out. You $5,3948.

WHAT ARE YOU DOING? >> Buying [screaming]. random. >> Just quiet now. >> Quiet now, you child. $196 is your. minimum payment. Well, past is probably. like normally $100. >> It's $99 now flat rate. >> But you owe 200 cuz you're stunted. because Oh, you're past due interest. hundreds of dollars. You've had late. fees up the dick this year. You're late. constantly, dude. What are you doing? >> Well, I when I set up. >> What are you doing? >> When I set up autopay, sometimes it just. it when I go back to it the next month.

after I see the late fee, it says. autopay was never set up. >> I know what you did. What'd you do? What. was half this balance? A quarter of this. balance? >> A third of this balance? What was it? You told Lindsay, you better not lie. now. >> A lot of it was Door Dash. >> Mhm. >> Yeah. >> Almost 2,000 bucks of Door Dash in a. singular month. There was there was a. phase where I WAS. >> KILLER [screaming] MONTH. YEP. >> OKAY. OKAY. Hold up. To my credit, I had. three surgeries in the span of about 14. months, and they were on my tailbone. >> Why wasn't any of them rhinoplasty?

>> Okay. No, I have a deviated septum, so I. got to fix that sometime, too. So, I. might have to do the rhinoplasty at the. same time, you know, just to appease. you. Um, I had three I had three. surgeries on my tailbone in the span of. about 14 15 months. And because of that, >> what happened? >> Pilonidal cyst. >> It's basically you you had a guest here. one time that actually talked about it. and it kind of pissed me off cuz he. described it wrong. Um the. >> guest did. >> Yeah. It's essentially. >> take that you sister. >> Well, it was it was that one gay guy who. was like cheating. >> on homophobic.

>> No, he was it was the one where he No, it was the one where he was like. cheating on his man with his roommate. and all that. Like you know what I'm. talking about. >> And does that disgust you? >> No, not at all. I don't care. >> Well, cheating should disgust you. >> Cheating does. Yes, but like the. >> He's pro cheating. >> No, >> dude. This guy is an absolute. >> You misled me. You misled me on that. one. >> This guy is amazing. [laughter]. >> You misled me on that one. >> Oh, I have fun. This is a fun show. >> A pineal cyst is essentially where like. the bacteria will burrow little tunnels. into the muscle tissue. >> You clean your hole, you freak. >> It's It's an like.

>> I do. It's something that that is. >> You do that? >> No. What? >> You're weird. [laughter]. >> The bacteria. >> You're not supposed to do that. It's a. bacteria that's there from birth and. then it eventually like no matter what. it's from like pe mom's cooch. >> It's not. No, it's not that. No. >> What? You were born with up your. >> No, it's a it's not that kind of. bacteria. It's just a regular bacteria. in the human body. But sometimes with. like if you sit for long periods of time. like I do for work, it can create some. like heat and pressure and then if.

there's friction like between butt. cheeks, it starts to burrow into the. muscle tissue. So what does it create? >> It just creates like a pocket in muscle. tissue like kind of like. >> where? >> Mostly on your tailbone like right on. your tailbone. >> In the muscle tissue above your. tailbone. >> Does it hurt? >> Yes. >> And three surgeries were required. Why? >> Because the first one they took like I. want to say like 14 lbs of muscle tissue. away. >> to clear out Yeah. They had to clear out. a lot. And then um it. >> 14 pounds. >> Mhm.

>> Are you sure? >> Yeah. Yeah. She actually she actually. showed me the actual piece of meat she. took out and put it on a scale right in. front of me. I'm like, >> I don't like your needs, but. >> Well, I Okay. Well, um and then it came. back like seven, eight months later. It. was much smaller. So, it was just that. was more so just like cutting out the. pocket. >> They didn't get the whole thing. Yeah. >> So, I had to have that done three times. And because of that, I wasn't able to. move around. I wasn't able to drive as. much. >> So, you door dashed? >> So, I door dashed a decent amount. But.

even even just getting groceries. delivered and making food is so cheaper. >> Door Dash is so expensive. >> Getting groceries delivered wasn't an. option in my town until the past like 6. or 7 months. >> Cuz you live where no one should live. >> It's a town of like three or 4 thousand. people. >> Cuz you live where no one should live. >> Well, the town I grew up in where my. parents live is a village. >> Town where no one should live. >> a thousand people. So. >> I love living with places with no. opportunities. >> Well, that's why I drove over an hour to. work one way cuz I would drive to. Columbus. >> And problem quicks. >> Yes. 185. This one's not as bad. Yep, that's.

a. >> you got interest acrewing $185.14. But you did purchase on a card that is. acrewing interest that you're not fully. paying off. I just don't understand why. not pay pay it fully off. Like you're. not 180 uh $8514 with a minimum monthly. payment of $25. It's like, yeah, you're. just making your minimum payment and. then you're purchasing $8354. What is. wrong with you? And it's at your gas. station, >> It's dude, >> make this Make this and take. it to work, you dumb tit. What is with.

you? >> Gamer subs. These are their free. packets. You can get the free packets at. gamersups.gg. Link in the description. below. Use code Caleb for the free. samples. See what flavor you like. And. then it is 40 cents a serving when you. make it. Dude, stop this. $848. Stop. this. >> I actually have gamer subs at home. >> Good. Isn't it so good? >> I use it for my pre-workout. >> Isn't it great? >> It's amazing. I use guacamole. Guacamole. gamer fart 9000. Yeah, the names are. weird, but it's so delicious. Then why. are you purchasing. >> at a gas station that you work at, you.

dumb tipacks? >> It's so easy to make the gamer subs 40. cents a serve. Y steam games. >> That one was an accident. Um I went to. >> I always accidentally purchasing on. Steam. >> Oh, it was my Steam was connected to my. PayPal and it for some reason it was. using my Quicksilver as a default card. even though purchase regardless if you. can't afford anything. I was buying a. game. I was buying. >> Yeah. And you shouldn't have. >> You definitely shouldn't have cuz this. most recent ones suck. >> Black Ops 7 is the worst Call of Duty. they they've ever made.

>> Exactly. And that's honestly kind of. hard cuz there's been lots of ones. recently. >> Yeah. Yeah. There's it. This one's. horrible. It's it's a fever dream. >> And it is not easy to purchase on Steam. They got some friction. I'll be honest. >> Yeah. I was going to I was going to try. to return it when I realized that it was. um on the Quicksilver card. Plus, I. realized it was a game, but it was. already past the two hour uh playtime. period that Steam has for returns. So, I was at like two and a half hours. of play time, so I couldn't return it. >> Venture one, $487.37.

Yep. >> With a minimum monthly payment of 25. bucks. >> Yep. $500 limit. >> Yeah. And you purchased $729. You. >> How did I purchase? >> What is wrong with you? How did I. purchase? What do you mean? How did you. purchase $7? >> Swiped like a dumb piece of What. do you mean how did I purchase? How. about this many purchases? Top down. Cam, nice to see you. Look at this. This. is crazy. >> That's a new one to me. >> What? No, it is not. This is what you. are doing. >> I don't remember swiping that much on. that card. >> Are you so dumb? How are you? What are. you talking about? >> I don't remember swiping that much on.

that card at all. >> You got someing energy drinks or snacks? Energy drinks or snacks. You went in and. you ate at Mary'sville, Wingstop. Energy. drinks or snacks. Taco Bell, McDonald's, Subway. Energy drinks or snacks. Energy. drinks or snacks. Energy drinks or. snacks? Air tire. Air Tire. That's fine. Energy. drinks or snacks. Harbor Freight tools. Two bucks though. You probably just got. a snack on your way out. >> No, they don't snack. You did. No, no, no. Harbor Freight doesn't have snacks. >> You did something. You got like a drink.

or something. You had to have cuz you. went there and you purchased $44.99 and. on your way out you grabbed something. for 207. >> Harbor Freight doesn't have snacks. >> You grab something for 207 after. purchase $45. probably zip ties cuz cuz. I buy zip ties all the time cuz I use. them all the time. So that's probably. what it was. The $2 something. The $44. something was probably like a ratchet or. sockets or something and then the $2. something was probably zip ties.

>> It was probably all. >> energy drinks or snacks. Energy drinks. or snacks. Five Guys. Energy drinks or. snacks. Wendy's. Energy drinks or. snacks. Taco Bell. Wendy's. Energy. drinks or snacks. A park. >> Park. >> Yeah, you go to parks and. >> Which one's that? >> Wait. >> I don't know. I don't know what it is. >> Sportsman's store. Wing stop. >> Oh, sportsman stop is a gun store.

>> Great. Elementary school. Watch out. This is. What are you doing? >> It's for hunting. I hunt deer. >> Hunting what? >> Deer. Whitetail deer. M. >> cuz I use it for the white. >> I use it for meat during the winter. >> Ground beef. It's basically ground beef. >> It But it's not. It's ground deer. >> No, but it's a lot cheaper than buying. the same amount of ground beef. >> Masselin. Masselin. Great eagle. Great eagle. Giant Eagle. Is that a casino? Giant Eagle Casino, right? >> I don't go to Giant Eagle. I don't have. one within like an hour and a half of.

me. >> Okay. Well, Giant Eagle, Giant Eagle. Okay. Chick-fil-A. >> Giant Eagle. Taco Bell energy drinks or. snacks. Energy drinks or snacks. >> How much were those giant? >> Take a look. >> I think Giant I think sometimes um the. Walmart in my town shows up as Giant. Eagle because they're affiliated. companies because I noticed on previous. statements. >> Walmart. >> Yeah, I noticed on previous statements. Giant Eagle or some of my Walmart. purchases come up as Giant Eagle and I. and I never knew why.

>> You just opened a new credit card from. Bass Pro Shop. >> That one I only opened it. I only opened. it because I wanted to increase my my. unused debt. I don't use that card. It. stays locked. It stays. >> for now. >> No, I'm I don't plan on using that at. all. >> for now. Look at your behavior. Look. what you've done with the last two times. you consolidated, dude. I don't believe. you for a single second to be able to. manage that zero balance. >> For now, >> Sethfield. >> Yes. That's for the motorcycle that I'm. going to be. >> I'm going to be taking it to a. dealership. >> 16% interest rate.

>> I'm going to be taking to a dealership. to sell it right now. >> What's it valued? Uh, probably close to. 6,000. >> Well, you know, $7,517. at a 16% interest rate with a minimum. monthly payment of $258.86. So, you're not selling this and paying. it fully off. >> I think that monthly payment has a late. fee in it. >> Oh my goodness. >> Cuz it's normally like 230. >> Oh my goodness. I don't know what to do. with you. >> Yeah, the monthly payment is normally. like 230, I think. >> Why can't you pay anything? What's wrong.

with you? Yeah, late fee. >> Yeah. Well, there was also a time where. I was locked out of that account and I. wasn't able to access it and I had to. call. >> Everything is everyone else's fault. except for. >> I'm not saying I'm not saying it's not. my fault. I probably went to like log. into it and then try failed the password. too many times and locked the account. >> Dumbass, dude. >> Okay.

Well, your checking account is 553. Oh, Szle Wing Stop. Oh my. >> thing on Szle is an online gun store. >> What is wrong with you? >> Sle is what they use for like their. after. >> Stop it. Stop being such a weirdo. Stop. being such a freak weirdo. You freak. weirdo. >> I use it for hunting. >> What is wrong with you, freak weirdo? >> I use it to get things for hunting. season. Freak weirdo. Oh, energy drinker snacks. Art is fast.

>> Art is fast. He's a real short. >> Art is fast as a content creator. I. actually I just bought a sweatshirt from. him. That's all it was. >> Dude, you're laid on including. your mortgage. your sweatshirt. Real short. Amazon. Riot Games. >> Yeah, that was a bad decision. >> You get bad decision. >> Valerant. I was spending money on. Valerant. >> in game. Oh, you animal. You beast. PayPal paying for. >> Yep.

>> Uh I think it might be Hammer Elite. I. don't know. >> Yeah, I I do have Hammer Elite. >> Well, at least it's more value than his. sweatshirt, which cost me money because. we got three premium shows posted every. single day, six days a week. >> I watch it all the time. >> Isn't it great? >> It's fantastic. >> Incredible. >> Yeah. I watch more I watch more than one. episode per day on. >> See, people haven't subscribed and they. see what they're always like, "Well, you. should do quality over. uh over quantity." Dude, we got the. quantity and we got the quality. That's. why my team costs hundreds of thousands. of dollars. >> I put all of the. >> It's so I put all the CHL VODs into a.

playlist and I just have that playing on. my TV while I fall asleep. >> He's a hero. We love him. Except for the. Diddlin. >> Okay. >> Uh Nitro Discord, you pay for Discord. >> That one I ended up getting refunded. after the fact because it was for an. account that got banned. >> McDonald's sportsmens again. >> Yep. >> Snacks and or energy drink. Venmoing out. money to our Asian. Okay, >> friends. >> If it's Veno, it's probably to one of my. friends for like paying her for doing. stuff for me. Okay, she she crochets.

She made two two of my cats sweaters, so. I paid. >> Oh, energy drinker snacks, Wendy's, Dominoes. Did you go out to eat every. second of your life? This is crazy. Panda restaurant, Hulu, Szle, Energy Drinks or Snacks? PayPal. Sle. energy drinks or snacks. Steam purchase. again 4773. So many in one month. Dude, I buy like I feel I buy a game maybe. once a quarter at the max. I don't buy. very many games. >> I think that was a game that was only.

like 80 bucks when it was on sale, so I. bought it. >> Bronson Automotive. Spotify. M. If you. have YouTube Premium, why have Spotify? >> I can't. I had to cancel Spotify because. YouTube Music is great, too. >> McDonald's. Oh my goodness. Energy drinks or snacks. Sle. Kindle Unlimited. >> I'm not giving up Kindle Unlimited. I. read way too much on it. It's It's so. much nicer to have than physical books. sometimes. >> Taco Bell sle energy drinks or snacks. You went inside and purchased something. I don't even know. Cash app to our Asian.

titties. Door Dash and Wendy's energy. drinks or snacks. Amazon Prime. It keeps. going. Oh my. What is wrong with you? Sle cabellas Sheets. Energy drinks. snacks. Wingstop. You rented something. on uh on here. >> Something. >> Yeah. >> Is it labeled as something. >> or maybe that's premium? But usually it. would say crunchy roll. Energy drinks or. snacks. Cash apping for Asian buttholes. that they post on Twitter. Door Dashing. Wendy's. Energy drinks or snacks. Artist.

Fast. Chipotle. Dominoes. Foundation. >> Yeah, it's another disc. >> PlayStation Network. Oh my dude. >> PlayStation Network. I didn't even know. I had that cuz I don't even. >> Well, you do now. Taco Bell paying for CLA. PayPal. PayPal. Sazel, I'm dying. >> If it's PayPal, it's probably the. >> talk about wing stuff. Real short again. KFC, energy, drinks, or snacks. S. >> Real Short is just a little like stupid. app where you can watch like Stop.

yourself. >> Oh my goodness. I have never seen. anything like this in my life. >> What? >> This is financial auto history in one. month. 1 2 3 4 5 6 7 8 9 10. 10. overdraft fees in one. month. [screaming]. The $150. bucks a P. It's [screaming] not only A SHUT YOUR.

ASS UP, you ped. >> Not really. Allegedly. Kind of. Actually, well, it technically was. allegedly, but probably not because she. does sound crazy. You've had 117. overdraft fees this year. Last year, 2025. 117. [screaming]. WHAT ARE YOU? WHAT ARE YOU? WHAT have you done to your. life? This makes no sense. And you send. money to Asianers.

[screaming]. Why? >> Does it make it better? >> No. Nothing you say will make it better. YOU ARE BROKEN. YOU ARE RUINED. You are. a. >> Does it make it worse if I say that I. actually have overdraft protection, too? So, if my checking account goes to the. negative, it pulls from my savings. Yeah, that's telling me a lot of where. your savings is about to be. Yeah, it's. negative $97.99. [laughter].

[screaming]. >> [screaming]. >> Oh my In here alone. In here. alone. PayPal. Affirm. PayPal. Affirm. Affirm. Affirm. Affirm. Affirm. AFFIRM. In [laughter] this separate account. In. this separate stupid ass dumbass.

HORRIBLE ACCOUNT. YOU'VE had. 46 additional overdrafts this year. [laughter] Last year, 2025. [screaming]. >> Well, over 200 overdraft YOU FINANCIAL. AUDIT HISTORY. FINANCIAL AUDIT. [screaming] HISTORY. >> The first the first number that you the. first number that you gave might be both. combined because that's a combined. checking and savings statements. >> Maybe, but I don't know. I don't know.

It was right below the checking account. Usually at the top is where the combine. is, not below each account. >> So, I don't think so, but potentially. But you regardless, what are you doing? Your life is destroyed. There's nothing. I can do. There is nothing I can do. I'm. going to make you a budget, but there is. nothing I can do. You're. retirement, boy. >> I don't have it. Oh my goodness. You. have had no more of a privileged. position than anyone else in the history. of the show. as far as I can remember at.

least of where you came from and the. position you are in and the costing of. living that you are dealing with and you. have thrown it away. You have destroyed. your life. Oh. Oh my goodness. Let me get your. minimum monthly payments. How How do you. exist? Then this is Shut the up. >> You're a broken You've You made me a. broken man out of your brokenness. What. are you? How did it take so long for you. to get on the show somehow?

>> I. >> listen. >> I don't know. >> It's it's it's it's. >> I applied within the first week of. finding your show. >> and then two more times after that. >> It's a we saw probably saw a picture of. the nose and we just expected everything. to be fine. >> I didn't send a picture until actually. no. >> we always require [clears throat]. the application. >> $1,6441. is your debt payment outside of your. mortgage. Mortgage is $579. All. utilities including internet combined. how much? Um, internet 90, electric is.

usually about 250. Ga gas is usually. about at most 130 and then that. >> okay. >> water sewer trash is 89. >> Okay. Utilities 559 phone bill. >> uh 212. >> When you move to the better place with. more connectivity, do Helium cuz it's. T-Mobile's towers. >> I have so much cheaper. What is it? 249. >> 212. I think it's like 212 or 249. That's crazy. 212. >> Well, I find. >> Yeah, once you pay them off and switch,

what's your gas bill? Vroom vroom. Drive. >> Uh, well, before. >> now. Just like the beginning. I do not. care about going to be like 50 bucks. >> Okay. Car insurance anywhere. And car. insurance is 230. >> Yeah. $300 for food. >> Use our meal plan and the budget class. that you get through the mastery your. money program, which you all should join. at kale.com. Join the thousands of other. people who are changing their lives and. join that community. It's very active. It's incredible. You get all the classes. and a lot of resources. Uh, and then. obviously the cookbook. Use that for the.

recipes. But either way, TP fund 100. bucks. Anything else you need to. survive? Well, you're lube for your. endless masturbation to Twitter chicks. Medical healthcare. They're co-pays. >> No. Nope. >> Okay. You probably need some, but you. have two cats, right? >> Yes. I bought I pet insurance. How much? >> 76 total. >> Okay. How much for pet food? >> Food is probably going to be about 110. >> Anything? Uh, let's see. Subscriptions. You're very online. I'll try 75 bucks.

>> I only have uh YouTube Premium Hammer. Elite anymore. >> Those are the literal actually I would. say two best. Listen, people dog on. YouTube Premium, but it's I I could. never go back. It is the best membership. I've ever ever had. Plus, it get comes. with YouTube Music and not not even. sponsored. You should YouTube listen to. me. Sponsor me. But either way, it's. like you get YouTube Music, which is. just as good as Spotify with it. It's. just like. there's just everything. It's crazy. But. regardless, okay, I'll I'll do 50 bucks, [sighs]. >> which we'll cover more than that. And.

cuz you got to get Audible's a. subscription, too, dude. Or whatever. Kindle. So, it all adds, but anything. else that I need to put in your budget? >> No, that should be it. I don't really. have anything else outstanding that I. owe monthly. >> No legal defense? >> Nope. >> Okay. You make enough money. 3,86041. of the $4,800 you bring in. 93959. is left. Let's just say for the sake of. ease 900.

Okay, dude. The fact is call your old. job. See if you can get it back. You. can't afford a higher cost of living. area even with the more money cuz you're. just not going to make it work. And. selling the house. I don't want you to. sell the house yet. With this with the. two loans you have on it, you're not. you're you might have to write a check. he might break even at best. It's not. going to go well. Um, so with this 900. you left have left over, it needs to all. go towards the debt outside of the. mortgage. But yes, the heliloc needs to. be paid off immediately as well and the. PayPal credit and all that good stuff. It all has to be paid off, dude. So I I.

need you to stay in the lowest cost of. living area that you possibly can for as. long as you can. And then you can do. whatever and move wherever once that's. done. But if we get rid of the mortgage. of $80,336.84, 84. You still have $80,000 of bad debt. to pay off. $79,276.37. of which the $900 going towards it still. takes 88 months, 7 years. You know what? Get your old job back, stay, prove for 2. months you can actually follow this.

budget, make your minimum payments on. time, and then go through bankruptcy. >> Well, there was another option that I. had because of my parents. They said. that if I wanted to, I could sell the. house and move back in with them. >> potentially. But again, you're breaking. even paying rent. You're breaking even. Like, huh? No, I wouldn't be paying rent. and I wouldn't be paying the. >> No, but selling the house, you'll still. break even. So, it's like, >> wouldn't that. >> it saves you money on a monthly basis. and you can do that, but you're already. in the real estate game anyway. And if. you're going to stay there, I would. rather you stay there and gain equity in. there. And bankruptcy, it is stressful.

and it's not cheap, but this will clear. it'll clear pretty much all this, dude. You'll um the truck loan is not even a. conventional truck loan, so it might. cover that. Oh, wait. It's tied against. your truck. >> It's tied against my truck. >> So, you'll still have that one and. you'll still have your mortgage in. HELOC. Other than that, you'll wipe. everything. >> They did say that once it gets to a. certain point, like I think they said. it's like if I pay like 15,000 off of. it, I can. >> Okay. Well, that'll be a while, but even. still, they would release that will get. you to the point of being able to pay. off your debt outside of your mortgage. Um like if you lock obviously have to. pay off, but even still, that'll bring.

it down from 9 years to three or. something. And that is still worth it. >> What should I focus on first then? smallest at the to largest. Okay. >> Yeah. Okay. >> Because it gives you rewards along the. way. It's good for a psychological one. >> Would it would it be better to either I. mean obviously you said smallest to. largest, but like would the credit cards. be first or should I focus on the A firm. first since a. >> firm? Oh yeah, the affirm. How since it. has a higher interest rate? >> Smallest to largest balances. Don't over. complicate it. You'll be fine. >> I That's exactly what I would do. All. right, guys. There's a lot in the post. show. Oh my goodness. I guess there's.

some family debt we didn't talk about. Oh, and his mom just confronted on him. Oh, for sake. We might call it this. Okay. Join Hammerly, the best membership. on YouTube. He has proved that. Three. premium shows. Incredible high quality. shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. Click that join button. Let's. get the hammer financial score. Spending. in a budget, overspent, 0 out of 10. Debt, helock, and everything. But no. collections, one out of 10. No IRS debt. Emergency fund, there was nothing 010. Return, there's nothing zero out of 10. Real estate, got a helock, you you'd.

break even. It's. Eloc has 12%. It's not great. I I'll. bring it to a three out of 10 for now. Once the helock's gone, it'll definitely. go up immediately. So, yeah. I mean, the. website, yeah, it's pretty much. identical. The website I got you is run. it up to a one as well, just like the. site did. Get yours at Caleb.com. Now, join us in the post show. It's going to. be a good one. See you there. >> They called the police on you. >> She called the police on me at the same. exact time I called them on her. >> But she did steal from you. >> Yeah, she did.

>> She stole from you. She stole from you. >> She stole one of my credit cards, the. Quicksilver card. She stole that, >> dude. >> And then she stole my Nintendo Switch. >> and your heart. >> What is wrong with you? You don't pay. your bills. You're overdrafted ends and. you won't pay your mother back even. though they've given you everything. What is wrong with you? >> Yeah, Caleb, there's one more thing I. wanted to bring up. >> If it's what I think it is, you're going. to hate me. >> Don't forget to download the new. Dollarise budgeting app. This is. officially now the best budgeting app on. the market. And I'm giving you a special. deal to download, but only through March. 31st. Take a free 3-day trial to test it. out. And then you get the monthly plan. at a 33% discount for the first 3 months.

or the annual plan at an insane 50%. discount. And with the annual, you get. my [music] budget friendly cookbook and. my brand new 30-day detailed budget meal. plan signed by me and mailed directly to. you. Now, after March 31st, [music] the. cookbook is going away forever. So, this. is literally your last chance. Don't. miss the opportunity of a lifetime. Download dollars to start your free. trial. Go to dollar.com or click the. link below.