Financial Audit's Most Vile Mother

How much do you spend in their fun? >> We don't do fun. I don't have time for. fun. >> Okay, that's what they're going to. remember. Not time with their mother. >> No, they won't remember that. They'll. remember the YouTube that, you know, raising them, not me. >> Yeah. No, the 12-year-old already had. SJW colored hair, so [laughter] I. wouldn't necessarily say that. And. definitely had emo fit. Those wrists. will be. >> They already are. So, I financed the. flight to Idaho to meet this guy that I. met online. >> Literally, your kid has almost died. multiple times. >> She hasn't almost died. You're being. dramatic.

>> You spend money and time on you do not. spend money and time on them. >> Well, listen. >> So, there is no other answer than you. prioritize. over your kids. Your obsession without. the spell on you. >> I can't help it. I just want him to like. me back. >> I just launched liquid assets, my. official gamers flavor, raspberry apple, at less than 40 cents a serving. It's. also zero sugar and under one calorie. Use code Caleb for 10% off your entire. order. O and one out of every 10 tubs. has my face printed right on it. Grab.

liquid assets at gamersubs.gg/caleb. or at the link in the description and. pin comment below. This is the best drop. gamers has ever run. Link in the. description. >> Hello, I'm Astrid. I'm 32. I'm from. Fargo, North Dakota. And this is. Financial Audit. >> Thanks for coming down to Austin. That's. definitely a long journey. I appreciate. it. Okay, so the Dakotas is an. interesting situation. I try to stay in. the data on the show to figure out how.

people are doing in their area. The. Dakotas is a weird thing and I think. it's North Dakota specifically with the. with the the fracking boom and. everything. It's boosted wages. dramatically higher. I'm assuming cost. of living has gone with it, but I'm not. 100% sure and if at what ratio. So, I. actually don't know that. You're going. to have to tell me, but I want to know. first, obviously. >> What do you do for a living? I am a. community liaison during the day and. then I'm a barista at night and on the. weekends. >> Why are you barista and extra? What do.

you make from the community leazison on. >> like per month or per hour? Per. >> Sure. Any what do you want? >> Oh something something I just anything. however you think about it. >> from the community liaison. Sorry. >> I assume [laughter] your main job. Yes. >> Yes. My day job. That's your day job. My. day job. 4,400 take-home monthly. I only. get paid monthly. How much a month? >> 4,400. >> Okay. So, in this community leaison job. is um in the other places around the.

country. >> Mhm. >> These community leaison are making over. six figures a year. >> Must be nice. >> Well, why do you live somewhere where. you make not over six figures a year? It. is kind of your choice. You're. baristaing. >> Yeah. >> After work. >> to get paid twice a week. >> Uhhuh. >> Or bi-weekly. bi-weekly. >> Huh? >> So, you get paid once a month from the. community leas. budget and you're will be fine. >> I can't I put all my bills at the. beginning of the month. Yeah.

>> A second job. That's not about getting. paid uh on more times a month. You just. literally need the money cuz you can't. make that one paycheck per month stretch. through the month. >> Yeah. So, I got. >> Yeah, I know. But it's not so that you. can get bi-weekly cuz you just. >> you need more money or you spend too. much money. >> So, the second job, you're a barista. Is. it like Starbucks? >> It is Starbucks. Yes. >> Well, use that opportunity. Take advantage of the benefits if you. want to get a degree or something cuz. clearly community leaison do not make a.

lot of money in Fargo, North Dakota. >> Yeah. >> What do you make from Starbies? >> Um $16 an hour. >> I saw two kids out there. >> Yes. I claim them when they're behaving. >> Uh-huh. [laughter]. Do you ever see them? How's this. working? >> No, not really. They're kind of. >> Who's taking care of them? >> A little bit ratchet. Taking care of. themselves, you know. Yeah. >> Oh, well, how was there was street. ratchet? >> What was the oldest one there? >> 12. She's going to be 13.

>> Okay. So, is she watching the youngest? >> Is that Is that how we're doing it? Okay. And you know that happens. essentially. Yeah. >> Well, maybe that's what happened in my. household. >> Um Okay. In the youngest, >> she's going to be 10. >> Okay. Um [laughter] so, what hits your. account on a monthly basis from. Starbucks? Um, from Starbucks depends on. how much I work, but. >> average month. Come on. >> Let's say. about 800 is what I average it to. >> So $800 is literally making making or. breaking your life. How? What's going. on? >> Um, [sighs] I guess it's just a getting.

paid every two weeks, you know. >> No, it's not. It's objective. >> It is. That's. >> it's objective. >> No, no, no, no. That is it. That is it. That is why. >> No, it can't be because No. If you were. following a budget when you were paid. once a month, you would get that 4,400. to be able to stretch for that month. It's not about the payment cycle for. you. You clearly aren't making enough. money. >> Yes. Um so, >> but it's not the paycheck cycle. A. >> little bit of both. So, when I took my. position that I'm in now, um I lost all. the mandatory overtime that I had before.

and it was. >> Why did you take this position then? >> Because it's comfy. It's Monday through. Friday. >> Okay. Well, you're literally having to. work a second job. So, clearly it's not. comfy. Your kid is watching your other. kid every single night because you can't. be mother. >> Hey, where's the dad? >> Listen, >> you took some loads. Where's the penis. that came with it? I'm trying to listen. I asked you a question so I could. listen. >> Around. >> He's aroundish. >> I don't know what that means. >> He's kind of homeless. He's staying with. different women, whatever his girlfriend. is at the time.

>> Why would he stay with me? >> Well, he is the producer of your. children. I assume you guys were. together, especially since you guys are. a couple years apart. Yeah. What the h? [laughter]. >> That's what I'm asking. Clearly, >> we mature differently. He doesn't like. to work a lot. >> Okay. Well, you like to get the comfy. job which makes you work more. >> Comfy job. But I work at least. I don't. have. >> You work at least. I will give you that. But you pick the comfy job which makes. you have to You enjoy Starbucksing. >> Yeah, I do actually. I love it a lot. >> But to get away from your kids.

>> I bring them treats and they're happy. for that. >> Uh-huh. >> They like treats. >> That's what they're going to remember. or not time with their mother later in. their life. >> No, they won't remember that. They'll. remember the YouTube that's, you know, raising them, not me. >> Oh, that's going to go incredible for. them. They're going to be well adjusted. >> Yes. >> No. >> Yes. They're fine. Look, do you saw. them? They're fine. >> Yeah. No, the 12-year-old already had. SJW colored hair, so I [laughter]. wouldn't necessarily say that. And. definitely had emo fit. Those wrists.

will be for. >> They already are. Actually, [music]. I'm not going to make fun of a. 12-year-old for. obviously. D I was trying. I was worth. [laughter] it. I was like making fun of. you. Oh, I'm not going to make fun of a. kid. >> Yeah. No. >> Well, no, I'm not going to. But I'm. going to call you a piece of. You're not around. Hey. Hey. If a kid is. in that situation already. >> Yeah.

>> I think mother needs to be around. >> Yeah. I think it was just. >> Listen, >> what is wrong with you? No, >> I think it was just cuz of her last. girlfriend boyfriend she had cuz they. were doing it a lot and that's was doing. it. Yes. >> Um Yeah, but you need to be around more. >> I can't I got to work. >> because you chose to do the comfy job. If you're if. >> if your kid is literally. bleeding. herself to death, you need to be there.

And you choosing a comfy job over that. as being a selfish of a mother. >> They're superficial. She wasn't dying. Not like the other one. >> The along her veins. Superficial. >> Yes. Yes. Versus the other one that was in. the hospital all the time. >> Who? >> Her boyfriend girlfriend. >> She would have ended up there. >> No, she wanted to have. She's fine. They. broke up. She's fine. Everything's fine. >> Whole intervention, please. On behalf of. this kid, >> she's fine. What?

>> She's good. >> No. No, I don't think so. I don't. listen. Um, >> we didn't. Yeah. >> How many? >> A lot. [snorts] Everywhere. >> Everywhere. Where? >> Everywhere. Legs, chest, arms. Cuz she. was trying to show them off. She was. wearing like little shorts and. everything. So, I'd yell at her about. it. >> Did you know those? No one knew this. Dude, you're. evil. >> No. >> You're choosing a comfy job over being. with your kid. That's evil. That's evil. That's evil. Your kid obviously needs.

you. >> She'd do it even if I was home. >> Then you're a horrible mother. >> Mental institution is where we'd start. looking and help and care. >> We're working on it. >> No, you're not there. >> But one day, >> one day if she's lucky enough to be. around, >> she'll be there. >> That's not how that works with. accidental. >> Wh I wouldn't say it was accidental. No, I'm saying in the that isn't meant to be. life destroying could accidentally nick.

something. >> SURE. >> EXACTLY. And you're not there. >> You're right. I'm working. >> because you chose the comfy job. >> Yes. >> You're a bad person. >> No. >> Yes. Oh. >> Oh. I I don't know how to convince you. >> Look at her. >> For now. For now. Dude, it's the for now. situation. And I'm sorry. That many. scars is not fine. that many scars is. now. >> She's over it now, though. She's not. >> You don't know that people that I do. know.

>> No, no, no. That's something that people. fall in and out of. >> Yeah, >> that's one of the Yeah, >> you I'm familiar with, you know, how. that kind of stuff works. I've had. friends that do it and stuff. >> What? >> But, you know, I think there was a. difference between people who want to do. it. >> Maybe she needs the dad cuz clearly the. mother refuses to be in her life. So, what's the dad thing? Why blame their. dad for their trauma? So they don't. >> And then you're not there to support. them and help them through it, >> right? Cuz I got to. >> Right.

>> got to work for a living, Kayla. >> Toast the comfy. What were you making in. the less comfy mandatory overtime job? >> Mand Well, it was just a mandatory. >> Yes. How much were you making? >> Um probably like. like 5600 to 6 grand a month. >> Well, you're at 52 now. So yes. >> Yeah. But. >> you're being a selfish. >> No, listen. So when I was making more. money, I was spending more money. It it. doesn't fix anything. >> I wanted to be home with my kids. >> was the original idea.

It was the idea, you know, that's what. we started with. >> How long have you been doing this idea. that is clearly broken in every way. whatsoever? >> Like 3 years. >> What? What? 3 years. You have a. >> two years. Two years. >> It has failed. Two years. Dude, if I'm. doing something that has clearly failed. for 2 years, I learn not to do it. >> Okay. I don't think it's the money that. is failing. It's me. >> That's what I'm saying. >> Oh Hold on. No, no, no. It's the. spending part, not the You know, >> you just said it wasn't.

>> No, no, it's the spending part. >> No, you are not with your kids. >> Well, yeah, but that's that's how I was. raised. My parents were never home. You. know, it's a normal thing. People go to. work. While most kids who themselves do. not intend to end their lives, approximately 65 to 70% of youth who. self-injure will experience thoughts or. make at least one attempt at some point. >> She's told me about her thoughts. Yes. >> Yeah. So, let's. >> But this was like years ago. This was. years ago. >> But that is aing people fall into it and.

you're not there and that's terrifying. You know who is the 10-year-old? >> You're right. Yeah, >> dude. I'm sorry. A 12year-old. You think. they've just escaped and they're a. completely mature, well-developed. individual at this point? >> No, definitely not. She's independent, but she also thinks she's older than. what she is. >> Guess everyone does. >> Yeah. >> Isn't that how that works? >> Listen. >> And clearly you think you're mother when. you're not. >> I am. >> You're not playing it very well. >> Yes, I am. Ask them. They like me. >> They don't see you. >> They like me when I'm not.

>> They like that you get treats, dude. That's. >> pretty easy to appease. >> How long have you been a single mother? Um, so their their dad and I were doing. like 50/50 custody for the whole time. we've been split since 2019 up until. last year when he got kicked out of his. place with his last girlfriend, stepmommy number two. And that's. >> mean he reproduced with her. >> No, he didn't. Stepmommy as in like he's. got different girlfriends that he lives. with and they become every time. Yeah,

>> you're smacking. >> I know. I'm sorry. >> Sip. been eating too much of those Starbucks. snacks, huh? >> Lots of sugar. I love sugar. Mhm. So, it. was like last summer he got kicked out. of his place with his ex-girlfriend. >> Ever since then, he's been like sleeping. on friends couches. >> Okay. So, he's a loser. Got it. Okay. Well, that makes sense. Why'd you. produce with a loser? We produced twice. >> Because, listen, he liked me when I was. younger. Cuz we got together. I was 18, you know,

he was 17. Uh, >> what? You just said he he liked me when. I was younger, but you were older than. him. >> Well, yeah. But. >> you made it sound like he liked you when. you were younger, as in you were. younger. He was older. >> No, no, no. >> That's the weirdest way to say what you. just said. >> We were together for like eight years. >> Uh-huh. >> Yeah. >> So, like. >> that doesn't change how you said that in. a very weird way, but. >> you're right. Um, >> I know. >> But no, and then Yeah, I just wanted. somebody who liked me, and I had that. >> You're that desperate? I was in a really.

bad place in high school. >> You're not in a good place now. >> Yeah, but mentally I'm much better. >> Doubt. >> No, seriously. >> No, you seem. >> listen. >> Dude, you don't even care if your kid. dies. >> No, I do. I do. I take care of her. >> So, you let him reproduce with you at. 20. >> Yes. >> And then 22? >> Yes. >> Why? >> Cuz I didn't want to have two different. baby daddies. >> Stop playing with that. Say you're. mentally good. know clearly. [laughter].

>> Sorry. >> Oh. >> Oh, >> what's the problem? >> Oh, just your existence. Um, okay. >> The audacity. >> We're doing fine. Trust me. >> Your kids are not. >> They are. Ask. >> Well, actually, I would say there's. literally proof on their body. >> Well, we're talking about it and that's. the difference cuz we didn't used to. talk about it. >> Oh, you used to ignore that your kid was. going to die. >> I didn't ignore it. She shut down and I. brought her all different counselors,

therapists ever since she was in. kindergarten. >> Starbucks treats. >> And Starbucks treats. >> instead of being there. >> Yeah. >> Yeah. Go yourself. >> I have to work. >> Yeah. Cuz you chose to do the comfy job. So come on. It's all selfish behavior. Okay. So yeah, I guess I mean he is a. loser. I don't understand the logic of. Okay, I already made a baby with the. loser. I want a second baby. >> Yeah. So, let me make a baby with the. loser instead of getting someone who's. better just cuz I don't want two dads. >> Yes. >> Is an insane logic loop.

>> What? >> You made one with the loser? >> Yeah. >> And instead of trying to find someone. better for your second, you made another. one with the loser cuz you didn't want a. different dad. >> But do you want to be like imagine. dating a girl that has multiple. different baby daddies? >> You got me. >> I'm not saying that's thrilling, but you. already know he's a loser. Yeah. >> So why reproduce with her? >> Cuz I got two of them now and I'm good. >> No. No. Now I'm saying for your second. one. Dude, what is wrong with you? I'm.

saying for your second one. >> Yeah. >> No. Why did you If you was a loser. >> Cuz I want them to be, you know, related. Cuz you know, I was adopted by. my dad. And. >> these are toys to you. Your kids are. toys to you. >> No, they're not. >> Yes, they are. >> They're my babies. >> No, but the way you're reading them, they are toys to you. the way you are. talking about them and how you. reproduced and made them and made the. choice to for it to be with him. They're. accessories to you. They're accessories. >> I would say that. >> I would actually. >> No, I was just in a very different place.

back then than I am now. You know, >> are you Look at you. You literally. >> I can't help it. Sorry. >> That is literally a product bug. >> It's right there. >> Well, no. That's a product pug. >> Sorry, >> dude. She's actually Dude, oh my you. There's something wrong with you. Stop. it. >> I have concerns for these kids. You. should be able to No, no, no you don't. Chill. You're a human, dude. You're 32. Calm the down. >> I am calm. I took my meds this morning. >> Oh,

these poor kids. >> No, they're they're good. They're doing. great. >> Objectively not. >> They could be better. Yes. >> A lot better. >> Yes. >> Substantially. >> I got to clean up my mess first so I can. be better for them. >> And what's your mess? I gotta be better. for them. >> What's your mess? >> My money. I don't have money for them. And. >> why don't you have money for them? >> Because I spent a lot of money once upon. a time. >> Once upon a time, not now. >> I mean.

>> Uh-huh. >> It's less now. Probably, you know. >> Yeah. I mean, I'm being told you. literally spend a ton of money. stalking people. I don't even know what. that means, but it meets your. personality. Whatever the it is. >> Find them a new dad. Oh, >> one that shows up. >> good walk to whatever man she stalks. into submission. That. >> submission. I like that. >> What is this? What is this? Sounds hot. >> You're not into that. [laughter].

>> Big big no. Big no for been stalked. >> No. Being submissive. >> It's not for me. >> Have you tried though? On your back, legs spread apart. Oh, >> dick in your ass. >> What the is happening here? [laughter]. >> No. >> No. >> Okay. >> So, >> okay, that's fine. Everybody has tastes. Everybody has different tastes. >> I just. No, dude.

>> What's the problem? >> I told you spend a lot of money stalking. men. >> Yeah. >> What the is this? Walk me through this. cuz that is going to drain your money. and you ain't going to be draining any. balls afterwards. I promise you that. No. one likes being stalked. >> sometimes. >> Okay. Well, you're a freak. >> No, I'm not. Anyways, I would I wouldn't say it's stalking, you know? I'm just trying to get to know. them. >> Well, how are you spending a lot of. money doing that?

>> Trying to find them and find out what. they're up to. >> What does that mean? you freak. >> Like, you know, paying for like. background checks and stuff cuz I got. kids. And then. >> that one's not unfair. >> Yeah. And then like. >> But I highly doubt that's what my. producers were interested in. >> like. >> because they also do that. That's. normal. when I bought like the Tinder. Pros and everything so I could just. swipe on people and stuff and try to.

find a person that I met one time in the. wild, you know. >> Bought Tinder Pro just to try to find. someone you met in the wild. >> Yeah, at the dog park. >> Why didn't you just ask for the person's. number at the dog park? >> He was shy. He was really hot. So then I had the local community help. me find him. >> What? That's Tinder. That's not the. local community. >> Yeah, it is. I put it on my profile that. I'm looking to find this dog and this. guy and I swiped on every single person.

and asked some a lot of people didn't. read it. So, I had to tell them like, "Do you know this dog?" And they're. like, "No, are you just looking for this. dog?" I'm like, "Yeah, I'm just trying. to find this guy cuz he was super. attractive and a lot of the other people. on Tinder are not.". >> Insane. Chat, we just need to talk about. culture for a second. This is crazy. I. don't know if you know what go is going. on out there and this is why their app. price has completely or the stock price. has completely tumbled and they deserve. it. Match group who owns Tinder and all. that stuff. She's able to do that. Literally stalk someone, no.

consequences. And there are so many men. out there that they'll have a slightly. awkward date or slightly awkward. interaction and a woman will report and. they'll get banned from every platform. and they can't even appeal it fairly. Stock price is at like0 right now. And. then she's able to do this and she'll. face no consequences. It is such a our. culture has just swung in the completely. wrong direction. I'm glad we corrected. for some of the. you know, back in the day that was bad, but the overcorrection is absolutely.

insane. She's able to just do that and. actually put someone's information out. there and start. No, not No, no, no. We. would actually get banned permanently. immediately across all match groups, which is Hinge, Tinder, all that. Yes. Yes, you. >> But not you. Not a woman. The double. standard is insane. And there's no human. review. There's no real thing. There's. no verification. >> Nope. I was just out there trying to. find them. >> That's insane. You're insane. Our. culture is insane. >> Listen, I just kind of get like stuck on.

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No private equity, no gimmicks, just the. best budgeting [music] app there is. Download it now. Start the free trial. dollar.com link in the description. below. >> And then, you know, I had to meet him. again and it was. >> Oh, you might have made a public. Facebook post about him as well. >> Yeah. Yeah. And I found him and I met up. with him and he. >> really he agreed to meet. >> So, >> oh, >> listen. Okay. His It was his jiu-jitsu. coach that reacted to the post and he's. like, "Is this the dog?" I'm like, "That's the dog." He's like, "Well, I'll.

set you up with this guy. You guys come. to the gym and meet up." And then I did. The coach paired us up together and it. was fantastic. Got to put my hands on. him. He was beautiful. He's a wonderful. guy, very kind. And then at the end of. it, he told me he's a traveling nurse. and he was moving to California the next. week, so he couldn't make it work. >> Real quick, I do want to say again in. our culture, if a man literally said. exactly what she said right now, he'd be. called to office online and fired from. every job and kicked out of every. school. >> Yeah, that's creepy. >> And [laughter].

okay, >> it's creepy. >> It is creepy. Yeah. I mean, but the over. sensationalism that would be done to a. man is extreme. >> Yeah. Well, that's ugly. If they're. attractive, it's probably fine. >> A part of it actually. Yeah. A little. >> Mhm. >> But it not for what you just said with. putting your hands on them. No, they. would still be ruined. But. >> Well, we were rolling in jiu-jitsu. >> No, I'm saying how you said it. So, he. was moving. Did he move? >> Yeah. >> Did he move? >> Oh, yeah. He moved.

>> So, he wasn't just saying that to avoid. >> He was a traveling nurse. Yeah, he was. driving a rental car and everything. >> Dude, you're a freak. >> No, I'm not. >> You have kids to take care of. How about. you spend that time you're using. stalking men? Take care of them. Clearly, they got issues. >> Back when they were with their dad. sometimes. Now they're with me all the time. I. ain't got time for nothing. >> So, what's what's your most recent talk. then? >> My most recent. >> You are spending a lot of money on this. I'm being told. >> it's not a ton of money compared to like. everything totally, you know.

>> What's your most recent? Um, so I. financed the flight to Idaho to meet. this guy that I met online. >> Met online where? Take a drink, you. dried mouth freak. >> I know. I said I got a problem with it. Well, you weren't there. >> Yes, I was not there. >> Okay. So, I financed this flight to. Idaho to meet this guy that I met online. and so we were talking for like. two 3 months. We were texting, you know, every single day. I met him on Facebook. dating. Why was your radius that.

extreme? >> It wasn't. So, he's actually originally. >> desperate for attention. This is crazy. >> Listen, he's originally from my area, >> but he worked out in Idaho for the. winter and then um he was texting me. We. were texting every single day. Then I. went out to Idaho to meet him and I had. the most amazing time of my life there. >> How? cuz I that was my first time flying. >> and then my first time in the mountains. and then my first time snowmmoiling and. it's just gorgeous out there and he's.

super cool and chill and we get along. super great and it wasn't weird and I. didn't get murdered a week. >> I think everyone's afraid of you. murdering them. >> They shouldn't be. >> Okay. Well, I'm glad you had a good. week. >> I don't murder people. I don't hurt. anybody. I'm a nice lady. >> You're a freak. >> Yeah, but I'm nice. >> Ah, you're scary. I think your nicities. would lead you to something extreme. >> That's crazy. >> Is it? after everything we've learned so. far. >> Yeah, we're just getting to know each. other. Chill. >> Okay, so what are you doing then? >> Um, so.

>> that's long distance. I mean, flying. back and forth is going to be expensive, too. And again, how about you like take. care of your kids instead of flying to. Idaho? But sure, let's go. >> Listen, >> I am. I'm trying. Tell me. >> Their dad came over and stayed with them. at my house while I was gone. So, they. got some time with their dad. >> I know. The loser. Yeah. And well, she's. literally almost dying, but go ahead. >> They like They like time with their dad. every once in a while cuz they never get. to see him anymore. Yeah, cuz they have. a traumatic and horrible childhood. thanks to you guys. Continue. [sighs and gasps]. >> I'm doing my best. Okay, >> continue with this guy. >> Oh, yeah. He's gorgeous, first of all.

>> Okay. >> Okay. He's also pretty. >> I don't need to know that. I'm just. like, dude, this is going to be. expensive. >> It's important. Guess to you. He's. pretty. >> Yeah, I deserve that. Um, >> do you? No, you're kind of No, you. don't. >> Yeah, I do. >> Why? >> Okay, listen. Their baby dad. not a good look. You know, now I need. something that looks good. >> I'm sorry. You're a five out of 10. At. at best. >> The audacity. >> No, that is normal. >> That's average. I suppose it's right in.

the middle. >> Yeah. What? How tall are you? >> 5'8. >> Okay. Well, you're not that tall, but I. don't know. You like I mean, come on. You're a little fat. Your teeth areed. up. You're five [laughter] out of 10. What do you deserve? You don't deserve. >> Just like I mean, I'm like a probably, you know, like a little fat you, dude. >> No. Exactly. And I don't deserve either. That's the thing. >> We can tell We can tell men it, but we. can't tell women it. Come on. Double. stand for yourself. >> What? Sure. I don't deserve. >> Sure. Yeah. >> Well, I don't deserve a 10 out of 10.

>> 10 out of 10. Okay. I can't get a 10 out. of 10. I can't. >> Well, you were making him sound like a. 10 out of 10. >> No. >> Okay. Okay. So, what's going on? >> We were talking for a few days and then. he started leaving me on red and. delivered. >> for days cuz you're a crazy. We learned. that. >> I'm not crazy. What was so good about. him? >> We just got along so well and so easily, you know? It was like natural. I didn't. I didn't feel nervous for once. I didn't. get the dry mouth, you know? Actually, I. did out there. It's super dry and. disgusting. Yeah. I tried making out,

but like both our mouths were super dry, you know. Anyways, so he goes to me and then I. tried to get his attention for a while. Um, after like a month or so, he finally. got back to me, told me sorry about. that. You know, stuff's been going on. You know, didn't mean to do that. I'm. like, perfect. You know, now I've been. on a mission. I keep trying to We keep. going back and forth, ghosting and not. ghosting. >> You're not ghosting him. He's ghosting. you. >> Yeah, he's ghosting. >> So, there's no back and forth. He's. ghosting you.

>> But, >> okay. I need to sleep with him. He's got. the biggest dick I've ever seen in real. life. >> Like, it's like aar dick. Like it's for. bigger than a lot of. >> Oh, okay. >> Do you watch? >> Yes. >> Yeah. Okay. So, it's huge. It's big. Okay. So, he's like 6'4. >> Okay. >> It's like two of his hands. He's got big. hands cuz he's a big man. Two of his. hands. It's massive. It's got girth and. length. You never find guys with both. >> You were there for a week. So, why.

didn't you? >> We did once, but it was awkward and. weird. And then. >> cuz you. nuh-uh. It wasn't cuz of me. It wasn't. cuz of me. >> Why was it awkward and weird? No, no one. wants to listen to this. >> What do you mean? >> I'm sorry. >> You're asking for the story. I'm telling. you the story. >> Chad, do you want to know? You want to. know? I'm I'm a very numbers brain. person. I know the analytics. When an. attractive person talks about sex on the. show, you guys enjoy it. When a creature. like this talks about it, you [laughter]. guys are clicking skip. So, no one wants. to listen to this.

>> No, they do. >> I'm glad to know he has a big dick. But. he was clearly ghosting you. But you're. like, I need to have sex with him. Clearly, he didn't give a about having. sex with you. No, I think there's a. chance still. >> No, he's ghosted you. You're done. There's a chance. >> Okay. What's your stocking? What are you. spending to stock? You've only visited. him once, right? >> Yeah, >> it's over. Stop. >> I've met him like two more times since. then. Just briefly. >> How? >> Cuz when he came back. >> See, you got to give up on this. And you. got to take care of your kids, man. >> I know. I want to. >> Why can't you? >> Because I get obsessed. >> Thank you. You're a freak.

>> I get a little obsessed. I can't help. it. It just happens. I get a little. obsessed with these guys and I just I. just want him to like me back, you know? >> I'm going to call him in the potion and. tell him to run. >> Hello. >> Hi. >> Can you hear me? This is Kayla. How are. you? >> Why Where are you calling for? >> I'm with your your little friend. >> Um how does she have my number? >> What? What does that mean? >> Don't act like that. >> I changed my number.

after we hung out. >> Are you serious? >> I'm not going to lie. I'm going to do. that. I'm going to tell him how crazy to. run. >> cuz you're a crazy and needs to. know. >> he talks to me sometimes. I let So. >> he clearly ghost you consistently. Okay. I don't care about him. I really don't. I really don't. I really don't. My big. thing is I can't have you spend a. ton of money and a ton of time on. this guy that clearly doesn't give a. about you. Why would he? >> No, I think he does. >> He goes to you constantly. Take a drink. >> But he talks to me every once in a. while. He.

>> Okay, what's every reaches out to me. first? >> What's every once in a while? Um, >> no he doesn't. You're desperately. stalking him on Instagram and responding. to every single story hoping he responds. to you I'm being told. No, he doesn't. reach out first. You're a desperate. >> Yeah. No, I'm not a I hardly get. any. >> Yeah, but not your choice. >> I'd have options. I choose not to take. them cuz I want this one. >> What the pass out dude at the bus stop? >> No. >> With a needle in his brain. >> That's all the options you're going to. get. >> No, I have mean. I'm being mean. Okay,

dude. I really don't care about this. You need to stop going down this rabbit. hole. >> You were asking about him. >> No. Maybe. I think I enabled too many. conversation. Too much conversation. >> Yeah. >> So, how much are you spending. on. all these background checks and all this. that you're doing? Instead of. putting your family ahead, what are you. spending? >> It's only like 10 to 15 bucks a check. >> Yeah, but how frequently? >> Just a few. I don't know. Maybe like.

100, 200 bucks. >> What the, >> you know? >> Yes, but you're working a second job for. $800. >> Yeah. >> Do you not see how insane that it is? >> I know. Kind of. >> Huh? >> No. If it's on a credit card, I don't. see it till later and then it'll be a. problem for future me, you know? So every like fall winter cuffing season.

I go through searching for guys. You. know the I need a I need a cuff. Yeah. Dude, >> you have kids at home to take care of. and you're spending once you get into. that season hundreds of dollars and then. you know background checks and then the. Tinder pro and and again we're. letting people like her be on there but. >> men will just get ghostbanned forever. What a failed. I can't believe we have. given those platforms power. It's. insane. They've destroyed an entire. generation.

>> I'm using it though. It's working for. me. >> Yeah. You must be finding the most. desperate mother out there. >> Nuh-uh. I find some crazy ones, some. nice ones. You know, a little bit of. everything. >> Okay. So, what happens inevitably cuz. you're a crazy You must go. absolutely mad when you get ghosted or. they leave you. >> Yeah, cuz that's like the first time. I've ever been ghosted, too, was by this. guy. >> So, what happens then? >> Well, I mean, >> I guarantee you, you swipe your cart. endlessly. There's no way you don't.

>> Crazy like you. So, that's where. all your money goes. Thank you. That's. what I was trying to get. >> I need some treats. I need to sit in my. truck and cry over a blizzard and then. like, you know, feel. >> white woman in the car posting on TikTok. probably. >> No, I don't do that. You will. >> I'm not on my social very much. >> Will, you will. >> Surprising. Maybe I find more people if. I did. >> No. If instead of 32, you're 22. You. would be doing that. Yeah, probably. Yeah. >> So, how how crazy do these spiral sprees. go where you're just blowing money like.

crazy after a guy inevitably ghost you. cuz you're insane. >> No, I'm not. Come on. >> He doesn't know yet. Gotten. [clears throat] to that point. >> All the previous ones. >> They don't know that. Um, they know it. Why did I Did I ask if they know you do. it? >> No. Um, so like I have to like go buy, you know, makeup and skin care and. clothes and stuff. Do you think that. fixes your ghosting? >> So I can find somebody new to post. >> I do to find somebody new. You going to. blowing a ton of money on clothes.

and makeup, >> skincare so I can look good. >> Do you? You don't. >> You're so disrespectful. >> Yes. Financial audit. >> Then I can try to find somebody else. that I can take a picture with and then. I'll post it to my story and then he'll. see it and then he'll get jealous. >> And that has never worked. >> Um, >> that has never worked once. He didn't react to that. >> No. >> But maybe like couple days after. I'm. sorry. You're No, it doesn't. It's never. worked. >> If you connect it from like days apart.

or like weeks apart, you could say it. was a reaction. >> Your obsession without the spell on you. >> That's just your reality. >> That movie is so good. >> Okay. Yes, we all saw it. >> Did you? >> Everyone saw it. >> I told everybody to go see it, but I. didn't tell them. >> Everyone already. Fargo needs to get nuked. [laughter]. This is insane. I'm being told every. time you go through a breakup, you just. hyperfocus on hobbies and spend a. ton of money on these hobbies. >> Yeah. >> Like what? >> Like when I bought a fursuit.

and. >> Oh, furry stuff. Dude, do you really. Wow, I went to comic. You're really. laying into the that again, chat. Here's what I know about you. Every time. an ugly person is into a kink thing, you. guys skip it. I'm glad you're really. supporting this episode. What do you. mean? [laughter]. >> It's not super sexual. Like, I don't. have sex in furry suits or nothing. >> Why'd you go buy it after a breakup? >> Cuz it was super cute and I just needed. something to make me feel better, you.

know? >> It did. It. >> Yeah, it was cuz I You're spender to the. extreme. >> I'm Yeah, unfortunately. Yes. >> Yes. But your spending is insane. >> It is. And I agree. >> It's on furry outfits. >> Yeah. >> What the are we doing? And I put it on my freaking PayPal. credit. It was like $2,400. I got it from South Korea and it I was. like not really into the furry stuff. yet, but. >> Okay, show it to me without you in it. I. just want to see the outfit. I want to. see what the cost $2,500.

>> I don't know if I have. >> This is insane. You don't even have a. picture of the sp $2,500. >> I do. I do. I don't know if I have a. picture without me in it. >> Are you naked? >> No. No. >> Okay, then I can see it. Sexual is. sexual. >> Then I can see it. cuz the last thing I. want to see in this world is you naked. >> So I got it like a long time ago and I. haven't It's kind of been sitting in the. closet since then, you know? So. >> Okay, great. Yeah. Like I assume every. hobby you go endlessly into debt into. after breakups, right? >> Yes. Yes. And then I find a new one.

every time, you know. But this one I had. to buy like a bunch of art afterwards, too, you know, and I had to get some new. characters. Now I have kind of a collection. Let me find my first suit. It's super. cute. Oh, I made a furry Tik Tok too for. a little while. Um, look, it. was cute. >> Oh my goodness. That's actually insane. All right, we're putting it on screen. That's crazy.

>> So, okay, so a guy didn't like you and. you spent 2500 on that. Um, well, >> what was the last thing you went. absolutely crazy when you spiraled? >> Lately, it's just been like the TJ Maxx, Marshalls kind of spirals, but like cuz. I can't help but spend like a couple. hundred at a time, you know? And then. obviously the flight. >> How much did that cost? >> Um, it's right there. It was like I. think. >> How did you answer the question? Not on.

a podcast. >> $400ome dollars, I think. >> Okay. So, how are you surviving on. $5,200 right now? >> I'm not really. So, >> incredible response. >> I mean, I'm making it. I haven't lost my. house or my car or nothing. You own a. house? >> No, I rent. >> Okay, good. >> Yeah. I could never own a house cuz I. couldn't afford it. But, well, I mean, you could. We can get yourself in a. position if you aren't blowing $2,500 on. furries blowing money to go blow a guy.

big dick in Idaho. all the, you know, furry art and stuff that I bought and I. was wrong with. >> You guys are insane, man. >> I didn't have money, so I had to put on. my PayPal credit. But it's some I got. some good art, too, and some new. characters. >> Thank goodness. You know, you have kids, right? >> Yeah, I did. >> Why are we not prioritizing them? This. is blowing my mind. You were like. Financial Audit's most evil mom or. something. >> Uh-uh. >> Predicting the title. >> Oh, I've seen other ones. There's some. worse. >> Mom, I don't know. There's lots of bad. dads on the show, but you're a piece of. mom. Literally, your kid has almost.

died multiple times. >> She hasn't almost died. You're being. dramatic. >> She's talked to you about her suicidal. thoughts, but you go spend money going. to suck a 8 in dick instead of taking. care of her. Let's say it's like. >> Yeah. You're a ins. That's crazy. You're. a insane piece of mother. [snorts]. >> No. Go ask them. >> No. You think a 12-year-old 10-year-old. is going to be able to give me No, they. like that they get to stay away from. their crazy batshit insane mom and then. you bring bat. >> Let's see where they are. If they're. still alive in a decade. >> Nuh-uh. They'll be fine.

>> Uhuh. I hope they are actually. >> I mean, yes, they will be, but I'm not. crazy. >> How much you spend on your kids? >> Crazy. >> I don't I mean, depends. Like food. I. spend a ton on food. >> I just put this basic How much do. you spend on them? They're fun to eat. They're fun. They're fun. How much do. you spend in their fun? >> We don't do fun. I don't have time for. fun. >> Okay. And here's the thing. But she has. time to fly to Idaho, suck an 8 in dick, spend money on her furry hobby. She. spends thousands of dollars on her. having fun and obsessing over men and. all this crazy but then she but.

then she won't spend time or money on. the kids. >> Do you think I'm kind of like Nikki from. Obsession? She felt very relatable when. I was watching. >> Interesting thing. I just want to pause. I said that about 10 minutes ago and you. already reacted to it. Are you actually. that stupid? >> You didn't say that. >> I said you're like the woman from. Obsession. >> I know you did. Yeah. Yeah. But you. didn't say Nikki. >> Who' you think I WAS TALKING ABOUT? >> There's a couple of women, you know. >> Oh my these poor children. [laughter].

>> Oh my goodness. Oh my goodness. You're a. stalker. You're a spender. You're. selfish. You're kill. They're going to. die. >> I don't kill people. >> No, but you're going to get people. killed and those people will be your. kids. >> Nuh-uh. >> Oh, good rate response. >> No, I'm keeping them alive. That one of. them is going to be 13. >> You just said you don't spend. >> Okay, that's a basic minimum. requirement. Yeah. >> You just said you don't spend money or. time on them having fun, but you spend a. ton of money and time on you having. fun for dick.

>> Yes. >> You So, I do want to be very clear. You. prioritize dick over your kids. >> It's not like that. >> No. Oh, see, she can't even say no. She. had to say it's not like that. No, it. absolutely is. Cuz you spend money and. time on dick. You do not spend money and. time on them. >> Well, listen. So there is no other. answer than you prioritize dick over. your kids. >> Imagine how happy they'd be if I found. him a new dad. >> You don't though. You run through you. run through men. Then you get ghosted.

cuz you're a crazy You've planned. entire weekends away from the kids. >> for dick constantly. But you won't do. things with them. >> You leave them with their piece of. Dad, you're a bad person. You're a bad. mother. >> No, I'm not. >> Wow. Really good response. Well thought. out. >> Yeah. I have all these. >> bad money but I'm not a bad mom. >> No, I have you can't. What's your actual. reasoning? You need to tell me that. other than no because I brought actual. reasoning in what you're doing examples. that equal bad mother and then you say.

no that's not true. Tell me why. >> Well, I mean I brought him here with me. SO [laughter]. >> I TOOK [screaming] I TOOK HIM OUT TO do. something fun. >> For you to come on a show you wanted to. go on. >> Yeah. So. >> it's all about you in the end. I'm just. like my mom. You know, >> you want to repeat generational trauma. >> I don't want to, but I can't help it. You know, >> actually, you can. You're an adult. You. have choices. Every day you make. choices. Yes, you do. You choose to go. away for weekends at a time to literally. suck semen out of heads.

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to a potential recovery of over $1,000. [laughter]. >> You ever skip that part, >> I beg you. >> I'm sick of my paycheck. >> I'm not a bad mom. >> You need a rebuttal. You need a reason. The only reason. >> I told you I'm taking care of them. >> No, the only reason you said is cuz you. brought them here for a trip you wanted. to go on. >> You just think I'm not a bad mom because. I don't take them out for fun stuff. >> No, I said you are a bad mom. >> Okay, but you think that's it? Just cuz. I don't take them out to do fun stuff. Like. >> cuz you're never around for them. You. prioritize you having a more comfy job.

instead of taking care of the one with. clear mental health issues. Instead of. spending any money and time on them. going having fun, you spend all the. money and time on you going getting. railed. >> I have to take care of myself too if I. don't take care of myself. >> You only take care of yourself, not. them. them. >> You spent all your money to get yourself. taken care of. >> Yeah. So I can take care of them. >> Your kids eating McDonald's every day is. not being a good mom. >> But I'm feeding them. I'm feeding them. They're not going to get fat. They have. my metabolism. They're going to be fine. >> You're fat. >> I'm not fat. Don't look. >> Uhhuh. Exactly. [laughter] You're not. obese. >> I've gained a lot of weight since I've.

been at a desk job. You know, >> I have my metabolism. >> I had a good metabolism. >> I'm obese. You're fat. I'm fatter than. you. I'm obese. But you're fat. That's. okay. >> Wow. Oh, that's okay. You're not skinny. You're not in the healthy BMI weight. range. Not anymore. You're not obese. >> I was I've been skinny up until I got. this job. I started anti-depressants. >> No, no, but I want to be very clear. I. want to be very clear. >> Say it clear. >> No, you're you got the SSRI eyes. I see. them. >> What does that mean?

>> You're going to stab someone. >> I'm not going to stab anybody. You're. making me sound like I'm crazy. >> Yes. Only me. >> Okay. But do you you don't have kids, >> correct? Right. So, how what's. >> I wouldn't feed him McDonald's every. day. >> Why would you? You haven't been in that. spot. Okay. Everybody wants to judge. somebody with kids. >> Dude, I've had I've had other I've had. busier parents on this show who don't. feed their kids McDonald's every day. >> I don't feed them every single day like. McDonald's. >> Practically every single day. >> We have it in our Davids. >> That's me. >> Okay. So, you'll die soon. You're.

getting fat. You're going to get less. dick than you even can now. >> Yeah, probably. The rate I'm going, it's. not looking good for me. But. >> yes, you're fat. >> I'm feeding the kids at least. Listen, and I mean the crazy thing is it's not. insulting to call women fat. By the way, I know you're going crazy on Instagram. Instagram is the platform that gets. angry every time I say it. She's fat. That's okay. I'm obese. That's okay. We're just Is it? We're acknowledging a. basic reality. You We can call men fat. and it's okay. Why is it insulting when. we call women fat? >> I'm not supposed to say that I'm fat, you know? >> But you are. Why? Actually, shouldn't.

you? So that you can medically take care. of it. So that you can live a longer. life and take care of yourself. I should. call myself obese. That is a correct. thing to call myself. I shouldn't be. mentally. and say, "No, I'm actually healthy at. any weight." Actually, yes, you should. call yourself fat. >> Obese then. >> Yeah, with the lifestyle choices I'm. making. Yes. >> Why? >> Say with the lifestyle choices you're. making. >> What about your medical stuff? >> Okay, clearly you didn't understand the. point. You said I'm not supposed to call. myself fat. No, you should. You're not. supposed to be delusional about your own. health. We shouldn't only call men. creepy for doing what she did. We should. call her creepy. We shouldn't only ban.

men for doing what she did. She should. be banned. We shouldn't only call men. fat. We should be able to call women. fat, too. Weight is the same for. everyone. >> Yeah, but I'm just I'm told, you know, you can't say that you're fat, you know. Cuz you're not that fat is what. everybody says. You're skinny, but it's, you know, you're not obese. If that's. what they mean by not that fat. That is. true. You're not obese. No, >> but you're fat. >> Damn. >> That's okay. But if we recognize it, that means we're starting to do. It's. like saying you don't spend Dude, you.

saying you're not fat is like saying. you're not in debt. It's the same thing. It's literally ignoring something that. exists, which means you'll never have to. address it. >> if you're okay with. >> Yes, that's what I'm saying. So, all. these uh woke heroes on Reddit, in Tik. Tok, and now in the Instagram comments. of this clip that's being posted, this. real, they're going to be like, "This is. a disgusting of you, Caleb. This is a. disgusting [laughter] show. How dare you. call that?" Yes, they do on Instagram. Trust me, they're all It's. really weird. I don't understand it. It's like they've never seen the show in.

four years. But either way, the thing. that's crazy is like just cuz you're a. woman, we can't recognize basic medical. things. What are we doing as a society? I don't get it. I really don't. >> Shaming. >> No, no, no. But the thing is, if you're. okay with being fat, then it's fine. But. we shouldn't say we're not fat when we. are fat. >> Yeah. I'm not happy about. >> There we go. Thank you for being real. I. appreciate that. I'm. >> not happy about the weight gain, but I. wouldn't say I'm quite fat yet, you. know.

>> No, no, no. Okay. Um, >> but anyways, >> you're not obese. >> Yes. Yes. >> It's different. You're overweight. You're not obese. >> Yeah. Okay. Anyways. Yeah. No, they're. fine because they're being fed and. >> by McDonald's every day. That's why I. said it's not healthy for you. It's not. healthy for them. They're literally. bleeding out and you're feeding them. McDonald's as a cope and then going and. taking dick in Idaho. >> They need to be fed, you know, cuz a lot. of times they're just. >> Who's getting fed more, them or you? A. dick. I feel like you're prioritizing.

the second one because you're a freak. What do you think your financial score. is? 0 to 10. Zero being the worst, 10. being the best. >> Um, probably a one. >> Yeah. >> Yeah. >> If you don't want to be like her, make. sure you get the Dial Wise budgeting. app. Take the free trial. See if you. like it. >> Fat. >> Huh? >> Is that why I needed budget cookbook? Is. it the cookbook? >> It's the meal plan. It is healthy and. the cookbook is digital. You get it if. you sign up for the annual version, which saves you nearly 50%.

>> So much. I hope I lose weight. >> If you want to, then I hope you do, too. I personally don't care, but I'm making. fun of you. One, for the show. Two, because you said you can't call yourself. fat even though you're fat, which is an. absolute thing to do in modern day. society. I don't understand us. Tik Tok. has ruined people. This culture is. stupid. Get your hammer financial score.com. It's free. What the What the No, I don't. know. You were pulling me out of my. plug. >> What do you mean? Oh, sorry. >> You couldn't tell.

>> I was. Yeah. You know, I was just trying. to I thought you were trying to help me. like lose weight. >> Sure. Yeah. If you follow that and meal. prep, it'll budget and lose weight. >> So, you do care. >> Of course, I care. It's. >> kind. >> But honestly, in this conversation, I. care more about the kid than you at this. point because I'm actually afraid for. her future. And you're a bad mother and. you're literally prioritizing dick, which is crazy. Don't take dick all the. time. >> cuz trust me, but if you could, you. would. But who would want to?

>> Wow. Some people. >> Okay. >> Okay. [laughter] Everyone's saying no. >> No, I'm not looking. >> All the men are saying no. >> No. [snorts]. >> Uh, it's just like I don't know. This is. basic things again. >> They're fed. >> Every woman will call you beautiful in. the comments. That's just the world we. live in right now. They never call. beautiful women beautiful, but they. always call the ugly ones beautiful. It's an interesting thing. >> Nothing seeer anymore. You know, nobody's ever genuine.

>> Hey, she said it. >> Yeah, it's. >> So remember that before you call her. beautiful. [gasps]. >> Oh, okay. >> Audacity. >> I wouldn't say you're ugly, though. Like. I said, you're mid. Five out of 10. >> Yeah, Midwest. >> Just like you're not obese, you're fat. >> Yes, sure. I'm a realist. >> My kids won't be. Oh, if you feed them McDonald's every. day. No, >> they're fine. >> Well, they get on SSRIs, which I'm sure. Okay. >> Yeah. Dang. 10-year-old's on SSRIs. Isn't that kind of quick? >> She's not going to zoom in.

>> The other one. >> 12-year-old. >> Yeah. Well, we definitely need some kind. of intervention there. So, >> yeah. What? I do hope they're trying. Okay, so this this is the dick debt. >> Dick debt. >> Um, you only owe 154 left. It's a paying. six, which actually means you're. probably paying interest on it. >> cuz usually it's paying four to avoid. interest. >> I don't even remember. >> I try to do the interest free payment. plans though every time cuz you know.

>> Well, paying six maybe they have that. now and I'm just not aware. Um either. way that monthly payment is going to be. $52. Okay. So, >> that's right. >> Huh? >> I feel like it's more than that. >> What remaining is $154, it says. >> Oh, I don't remember. >> Is that not true? >> I don't remember. >> Well, I mean, this is just what's on it. >> Yeah. Yeah. >> Wait, no, no, no. Hold on. It says 1465.

scheduled for May 5th. That doesn't make. sense. It says three of six paid. >> Oh, probably cuz I paid ahead on it. >> This is very weird. Can you stoping your. mouth noises? No. I can't. >> Yes, you can. Just keep your mouth shut. until you talk. >> I can't. >> Oh, trust me. We can tell. >> I can take this back and flip this. somewhere. >> Brother, I don't understand. >> Brother, >> I need you to leave North Dakota and. just get some societal exposure cuz the.

only other place you've gone to is. Idaho. I just. >> And now Texas. I just. >> you need to go to a city a bit longer. cuz you are too um. farmtrapped. >> Farm trapped? Yeah. >> Like you haven't had enough human. interaction and the only human. interaction you have is literally flesh. >> Yeah. Imagine if I was. >> I'm serious. Put that back. It's. actually loud. This is a podcast. People. are listening to it. >> Sorry. Okay. >> Are you Cuz you just took it away. Well,

you. >> Dude, you suck, man. >> Yeah. No, sometimes. >> No. Amount of each payment is 142. Number of payments three. Oh, okay. So, 142. >> Yeah. >> Wait, no. This doesn't make sense. Something's weird here. >> Number of payments three. Amount of each. payment is 142. Okay, whatever. So, 142. 41. So, you must have just went to. Idaho. >> It was in February. >> Okay. I actually am going to call this.

guy in the post show. I'm gonna tell him. to leave. >> Okay, let's see what's going on here. Oh, well, he's already ghosting. So, if. we even get an answer, we'll be lucky. >> Not at this second. So, >> tomorrow. Um, okay. So, what is this? Uh, signature loan. This is. the payoff amount's higher than the. original amount. It's only gone up. probably because again, you prioritize. leaving your kids. >> and then paying off the debt. >> Working anyways, >> you work for you. To be clear, I think.

we've learned by now in this episode so. far, you work that extra $800 a month so. you can go have fun and leave your kids. We've learned that. >> I don't get to have fun all the time. I. have to work. >> Oh my goodness. She just Did you not. just hear what I said? >> Me kids. >> Um, >> dude, I don't know what to do with. people like you. So, what is this for? >> I. >> stop. You don't HAVE TO HEY, HEY, HEY, WOMAN. You don't have to go before you.

say anything. >> No, I can't not. >> Yes, you can. You just. >> I get the cotton mouth from my mouth. >> No, no, you just talk. You don't have to. go talk. You go talk. Word. [laughter]. >> Sorry. >> No, it's not funny. It's disgusting. >> Get out. It makes it me want to do it, you know. >> You're one of those people where they do. something annoying, someone says you're. doing something annoying, so you want to. do the something annoying more. >> Yeah. >> Oh, you're crazy. What? >> You're a horrible person. What. >> does that make people crazy?

>> Okay. When I talk, I talk. I don't go. talk. >> and you're the. >> Okay. You know, we're cutting every. single time you do that. So, keep doing. it. Like, I don't care. But like, just. stop. Just be normal. >> I'm trying. I am normal. I'm being. myself. >> What's the signature loan? >> I don't know without looking at it cuz I. don't know what it's from. 3,650 is what. you borrowed. >> And literally this month,

>> literally two weeks ago, last Sorry, I. forgot. We just It just entered July. A. month ago. >> Yeah. For my wheels. I had to get new. wheels on my car. >> What? For $3,650. >> and then I So half of it was the wheels. and tires and the other half was paying. off my car credit. >> You consolidated car credit? What's car. credit? What's car credit? I've never. heard of car credit. What's a car. credit? >> Um Synchrony Bank. They have a car. credit. >> A car credit? >> Yeah, car. >> You took out a new loan attached to your. car. >> So, >> what's a car credit? You mean owed on.

your car? >> It was a credit card and I paid it off. cuz it I. >> Why' you say car credit? >> That's what it's called. Car credit. card. >> Oh, it was a Synchrony loan for. something that you used previous. >> Synchrony bank credit card called car. credit. >> That Okay. So, you you used it for. something different. >> No, I used it for my car to fix my car. >> Yeah, you used it for a different car. thing that was not this current thing. So, that one ran out of the promotion. and I got a 35% interest on it. So, I. used the the answer is yes. The answer.

is yes. You use it for a different car. repair before. >> Yes. Yes. >> That's what I was asking. You. >> Yes. Um and then I paid that off with. the [snorts] loan and then I paid for. the wheelies and the tires. >> What's the wheelies? What is that? A. brand? Oh, just wheels. Wheels. You're. just. >> I had to buy wheels cuz one of them. wased up. >> cuz it was sitting in my car flat. >> Just one? >> Yeah. It was like a. >> Why did you get wheels for every Why'd.

you get wheels for every wheel then? >> Because I downsized my wheels. Cuz they. said. >> Was that more expensive than just. replacing one? >> They said it'd be cheaper in the long. run. >> Oh, the. >> Cuz. what? >> Cuz of the tires. Cuz I have to buy. tires, you know, every 3 years or. whatever. So, >> didn't you just have to buy tires with. the new wheels? >> I'm out of water. Um, yes. >> Let's Let's go. Let's Can we get a. bottle of water for this dumb? >> Is cool now. Did you know that?

>> Yeah, but I said dumb before. Very. >> Good. Okay. Well, guess what? It's gone up. from your original loan balance. That's. That's because interest started. recurring before you. >> Yeah. Yes, before you started making your. first payment, it's going to be $222.64. at an interest rate of 12.1. It's not. good. It is better than a credit card, but it is not good. That's the reality. >> But I had to do it.

>> No, you didn't have to get new tires for. every tire. They sold you into it. They. upsold you and they said it would save. you more in the long run, which I I. don't even know. But either way, I know. it certainly didn't save you more in the. short term. The tires were significantly. cheaper cuz I paid for. >> then one. >> Yeah. Well, >> than one. >> No. So, one tire. >> Exactly. That's what I'm saying. >> But in the long run. >> I know. They sold you on that. I don't. even know if that's true. >> It is. It is. Cuz I I had to buy the. tires. I had to buy the tires, too.

>> Exactly. >> Buy the new wheels and the new tires. >> Exactly. Instead of having to get tires. later. >> Each tire was a hundred bucks cheaper. >> What? That but that didn't save you on. the thousands you spent. So, the long. run, we're talking maybe like a decade. and a half. >> Oh, you got sold, girl. You got sold. >> I'm not good with cars. >> No You're. >> We already know this. You're not good at. anything. >> How do you know? >> Well, you're one, you're bad at being a. mother. All you had to do is take some.

dick, pop him out. Other than that, you. haven't taken care of them. >> Other than McDonald's, you don't even. see them. You don't even take him to do. anything fun. >> I'm not a bad mother. again. You You're. not able to actually support that with. anything. >> Yeah, cuz I'm taking care of them. >> Not from anything I see. >> $222.64. is insane. That's. >> Sorry, I was agreeing with you. >> Okay. Yeah, you did it and you're. justifying it cuz the sale you didn't.

They sold you on the upgrade. It would. have cost you like 1,000 bucks or. something, right? >> Um for the new wheel and tire. Yeah. probably would have been like 500 bucks, 600 bucks. >> What are we doing? The fact that you. were justifying spending. >> It was It was 600 bucks at first and. then it was. >> and I spent 2500. So, shut the up. >> I had to buy. >> Okay, I have something else. >> What? >> I don't know. Uh, okay. It's a It's a. paying for it is 0% interest. So, Oh,

it's an affirm loan. What did you affirm. here for $468.97? the tire for my truck. >> What the. >> I think. >> What are you doing? >> Or is that the Amazon? >> It's for gear. I'm being told it's gear. I don't know what gear is. >> What's gear? >> I needed gear for the camping. >> What? Camping. >> for when we came out here. >> What? >> We camped our way down here. >> How did you spend to come down here? >> Camped your way? How many stops did you.

do? >> Um, >> it's a straight shot down 35. practically. >> But it's a long drive. >> It's long. How long? >> So, well, if I would have went to Fargo. to Austin, it's 18 hours. >> Well, that's shorter than getting to my. home state of Michigan. So, it's like. I've done that a ton of times. >> But I want to go see the ocean cuz I've. never seen the ocean. >> So, we went. >> Gston. Where'd you go? >> Um, like over the ocean's not in. between. >> Corpus Christi over by there.

>> So, you overshot Austin. >> Mhm. Yeah. Yeah. And I wanted to. >> How long have you been on this road trip. just to come do financial a What the How. much have you spent on this, you. >> Um, so camping isn't very expensive. It's the gas. >> Yes, right now. And you've been doing. this for a week and still food and. like that for a week. And I know you're. stopping the So, of course. What the. >> Well, we only ate out. >> How are you camping? >> What do you mean? In a tent.

>> What? Girl, it's 100 100° out. It's 100°. and like 90% humidity. Yeah, the. humidity in Arkansas was the worst. >> No. How are you doing this? >> I don't. >> Is this even safe? >> There's a whole bunch of people camping. Yeah. >> Tents though. >> Yeah. >> Tents in the middle of Texas summer. Texans love camping. They don't really. do it in the summer. >> We weren't the only ones. And we were at. the ocean. Right at the. >> rest of them were homeless. >> What? >> I'm sorry. The ocean you went to was the. Texas side of the Gulf. It ain't a nice.

ocean. That's the first time you've seen. the ocean. >> Yeah. >> And you saw Corpus Christ. the ocean. >> I've hardly been out of North Dakota. >> No, I can tell. We can all tell. >> Girl, it's not like I'm like a big. traveler by any means. We know me, but. I've seen some nice ocean. >> Trust me. >> And we stopped at the swamp. in Cattle Lake. That was nice. >> Every night is usually only like 20. bucks or something like that. >> Yeah, but it's a ton of travel. ton of stopping in against.

>> Yeah. >> How much have you spent was the question. I asked you. >> I have no clue. You spent You got a. $468.7. 97 loan for the gear for the camping. >> Mhm. >> I'm a buddy. But. >> that's a hotel room right now. >> I can return some of the stuff. >> No, no, no, no, no, no. That right. there, that gear specifically is you. drive down. You stop somewhere halfway. There's your room. You drive down one. more. Stay here. Boom. There it is. Because what did you spend this $1,18 on. a firm for?

>> What is that? >> Cuz you even bought a new electric. grill. Yeah. No, I bought a propane. grill cuz the first place that we stayed. at in Arkansas didn't have electricity. >> If you got a hotel. on the way down, we filmed this and you. went halfway back up. Hotel two times. You would have spent less. >> Well, we would have seen the ocean. >> Yeah, but you saw the shittiest version. and it's the Gulf anyway. You didn't. even go see like the Atlantic or Pac. Pacific. >> I don't know the difference. I saw the. ocean finally. I've always wanted to see. the ocean. Now I did. And I took my kids.

so they don't have to go their whole. life without seeing the ocean or. wondering what it's like. >> Ladies and gentlemen, I got something. new to help you that we have personally. built right here on calebhammer.com. We have new Caleb Hammer financial. resources. They are the ones I would. personally use, which is why we made. them for you to use. As you've already. heard me talk about, personal loans are. okay when you're good at debt. I. personally use them when I can leverage. them for a situation. So, we have good. personal loans on caleb.com. We also. have auto insurance now. You can check.

for free and see if you can save a. ton of money on auto insurance. Remember, none of this actually matters. if you continue the same bad behavior. So, it's not for you if you still suck. But if you've proved you can budget, check out these programs from personal. loans to car insurance to see if you can. save a ton of money across the. board. Go to calem.com or the Caleb. Hammer Financial Resources part of the. pin comment or description below and. save a ton of money. Starbucks is. and a waste of money. And you.

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at gamersubs.gg. or click that link in the description. below. Type in code Caleb. Okay. Technically, the Gulf is. classified as an oceanic basin or a. marginal sea of the Atlantic Ocean. So, I guess we can say you've technically. seen the ocean. >> Yeah, I'd say it's still it's salt. water. Yeah. >> And jellyfish. >> Very good. So, $1,18.13.

on this affirm. What is this? Oh, screen. record Amazon. Okay, let me see. Hold it. up. Search a screen recording. Android. freak. >> I don't know how. I've never had to do. that. >> Anyone know how to start an Android? >> I think I can figure it out though. >> Oh, no you can't. >> How do you know? >> Cuz we're going to be here for the rest. of the time. We're supposed to be. filming by the time you figure it out. >> Eventually. >> I don't know. Where do you want my. orders? >> Just give me your phone. >> 12-pack of fire color changer.

>> That's what's required to survive. Electric candle lighter. >> Mhm. >> A mini projector. >> Mhm. >> So you can wash things in the tent. >> Yeah, that was the plan. It was supposed. to storm the first. >> camping fan. Yeah, you got to do that. I. don't know how you guys are surviving. Fire extinguisher. Sure, it's good. safety, but again, spending so much. money when we could have just done a. night hotel. Night hotel. That's it. Inflatable pool floaty. >> I guess some of them had a pool or the. ocean, right? >> Um, band-aids. Yeah, I mean, a projector.

screen. Jeez, good death. >> Air mattress so much. There's the tent. >> No, that's a beach tent. I didn't use. that. So, I can return that, too. And. the projector. >> cuz it end up not. >> Amazon basics. I mean, sometimes you got. to pushy shaver. Oh, she's she's. [laughter] hoping to She's hoping to get. some while she's with her kids. >> No, >> can't. >> So much So menstrual lube. Oh,

>> dude. Yeah, >> you are just Why do you have to be the. most disgusting? Oh, pelvic floor. extender. OH, >> WHAT? >> OH, if it was a hot gas, that would be. getting hard. So, was this a,000? No, this is Samsung. For that, you affirm that phone. >> Yeah. >> Gooding death. Okay. What's your. payment? >> It's like 50 bucks a month or something. like that. >> What? It's going to take forever. >> It's like a year long. >> No.

>> 80 bucks. >> Two years. >> Okay. >> Did you need a new phone? You can't. survive. You're spoiling yourself. instead of your kids. Besides the. camping trip, the first thing you did in. their 12 years. >> It's not the first thing. Anyways, >> sorry. McDonald's. Did you need a new. phone? >> I gave my kid my old phone cuz her phone. was dog. >> Yeah. >> That kid should have access to the. internet. >> They both need phones. They're home. alone all the time. >> Oh, dude. They have no social interaction.

>> Yeah, they do. Oh, >> they don't. The one time the one did. you? >> Well, it's public school. >> I went to p Who who went to private. school here? Anyone? >> I went to public school, but I went to. public school and. >> we actually got two privates over here. for what it's worth. We got We got the. Richies. Uh, and we're the public. schoolers. Did we ourselves? >> Yeah. >> Uh-uh. >> I mean, I went to public school, too, and I never But.

>> what's your point? It's a different. >> girl. I got caught once in my life and. it was unconsensual and I wish I could. get that foreskin back. [laughter]. >> Okay. Um, >> feels much better. I'm being told. I've. been told. >> Anyways, I don't know. >> Well, you wouldn't. But that wasn't for. you. That was for the boys. >> Um, >> you're purchasing on this visa that you. can't pay off. >> Yeah. >> $40 minimum payment. You immediately put. it back on while interest is growing. Takes 9 years to pay off. >> I needed some money cuz I was out of. money. That purchase on there, I think,

was when my kid was in the hospital. after I got back from Idaho in Willist. >> What? Why was your kid in the hospital? >> She needed to have uh. >> removed. Yes. >> So, mind you, >> and that was for food. >> That's okay. >> Yeah. >> Mind you, you weren't there. You see how. you're never there for your kids and. they get in medical issues? >> I was there. I was with her in the. hospital the whole time. That's how I.

spent the money. >> You said it was right when you got back. It happened. >> Right when I got back. >> Right when you got back. >> Yeah. Right when I got back. I got into. town. I had to go back. >> And what would happen while you were. taking an 8 iner? >> I don't know. >> Dude, you got to be there for your kids. Gift shop, a vending machine, and uh. just getting going out to eat. >> Yeah. >> Interest is acrewing like crazy. I need. you there for your kids. I just need you. there for your kids. Mhm. >> Oh, Ernon. You're doing Ernon. That's. good. >> Yeah. $400.

[snorts] I mean, this is like you have. to pay it off in order to use it. And. that's what it is. Why are you pay. advancing yourself? >> Cuz I need more money. >> But you actually don't cuz you just. spent it all going camping, going and. sucking dick, going to do all this. stuff. That's what you're doing. How are. you guys getting back up? How long until. you're back up? >> We're going We're going to start going. tonight and then. >> Are you doing any. >> probably. >> off trail activities? >> I don't plan on it. No. >> How long is it going to take? Um, so I. want to get a hotel, a just cheap hotel. for tonight somewhere on the way. But.

>> you already have all the gear now. You. should just camp to save money. >> I have to work this weekend. And it's. the Fourth of July. >> Staff at a campground. No, but. stop at a campground instead of a hotel. Goodness. Money management. What is. this? >> Um, Mmai. Have you heard of it? >> No. >> Oh, >> maybe. I assume it's like a. uh like debt negotiator. >> Yes. >> Oh, good. Well, you're all back in debt. again. Listen, this is why we have great.

personal loans and uh different services. and whatnot on Caleb.com. We've curated. a great select because I love debt. Debt. is great. >> You can't do it if you're in her. position. Really can't because she. consolidated her debt to make it even. better. Not a consolidation, the the. negotiation. >> I used to consolidate. >> kind of. But the thing is, it doesn't. work without changing your behavior cuz. then you end up right where you are. today where you have maxed out credit. cards. >> Mhm. >> How many times have you consolidated. before? >> Um, so before I did the MMI, I had like.

>> Good death, you owe 15,000 on it. >> Consolidated probably like four times, >> dude. See, why would you think this. changed it? Cuz guess what? Now you're. here again. You're on my show where you. have insane debt. >> I had to close a lot of the credit cards. to get that deal. >> and then you opened other ones. You have. the visa, you have a firm, you have a. firm, you have signature. >> I've had the visa since I was 18. >> So, I know, but like you still have all. the now. You're using earning. without changing your behavior. You're. just in the end, man. >> I know. The behavior payment is $554.

Your behavior across everything is a. problem. >> The emotional regulation problem. >> Yes. Across everything. And do you not. see you rubbing it off on your kids? >> No. >> What did Where did you just get back. from the hospital for? UH-HUH. COME ON. How do you not see that? You being such. an immature, horrible parent is. obviously rubbing off. >> No, I wasn't there. >> I thought you said you. >> O. Okay. Okay. Okay. Yep. >> Caught her.

>> Got him. >> Oh, youing. you. be there for your kids. You were taking. dick instead of being there and she. ended up in the hospital. No, that was. when we um were coming back from. visiting my friends across the back. home. >> You? >> But I had the younger kid with me and. she wanted to stay with her friends. [sighs]. >> She had the option to come with. She. didn't want to. She wanted to do. >> guess what? When you weren't there, she. went to the hospital cuz you're a. horrible mother. >> It was as soon as I came back. >> No, not you just said you were gone.

>> As soon as I came back, she. >> You keep changing your story for what. makes you feel better. >> Getting admitted into the ER when I came. back. >> Yeah, exactly. Yep. >> Synchrony. What's going on? Care. It's a. Oh, this is the car. This is what This. is the car care, but it's gone. >> It's gone now. Yep. >> Cuz you put it on that. >> loan. Yeah. K Omaha. FBM. FNB Omaha. What's this? >> Um, it's a old credit card. It's also on. the MMI. >> Okay. Same with uh Care Credit. >> Also on the MMI. Yep.

>> Okay. Same with uh Verizon. >> Also on the MMI. >> You couldn't do anything. You can't do. anything. Same with JCP. >> Yep. >> All this, all the money goes to. literally doing penis stuff instead of. actually taking care of the debt. Rent. and dog fee 1,300. I just have written. on a paper. What is this? >> Um, so. >> rent? >> No, my rent is like 1,600 bucks a month. The dog fee is what that is. You. >> take care of your kids. You have a dog?

>> I used to. Not anymore. >> What happened? >> Um, I had to get rid of it. and I couldn't afford to take care of. it. So. >> pathetic. >> She needed. >> And you think you're going to be able to. take care of kids? Obviously, we've. proven. >> stuff. She was kind of like disabled. >> Dude, you're dis I'm sorry. You disgust. me on a persontoperson basis. >> Wow. >> Wow. Are you surprised? >> Yeah. >> What? >> Yeah. I'm. >> Are we playing Rust later?

>> We should play Rust. Want to play Rust? Mhm. >> Like Call of Duty. >> See, I was trying to make myself happy. because you're pathetic and disgusting. >> What do you mean? >> You're pathetic and disgusting. So, I. looked at my boys and I was like, "Let's. play rest. >> some boy things.". >> That's called I like to enjoy life. You. are bringing my entire mood down here. because you're actually one of the worst. people I've ever met because kids, nothing matters more than kids, >> right? >> Uh and how you're taking care of and.

taking care and taking care and taking. care of and making sure they're being. taken care of. Mhm. >> Nothing. >> Why does it sound weird to say the word. kids? We've just had too many uh on the. show. >> Oh, >> you're you're almost as bad. >> No, I'm not. >> By letting bad things happen to them. >> So, what is this do rent and dog fee? >> Um I had to I had a dog and I had to get. rid of it. >> And they back they made me back pay for. all the time that I've lived there even. though I. >> have the dog time I live there.

>> Sorry. I tried to pay the deposit when I. first got the dog, but I don't. >> they only allowed dogs that were over a. year old and I didn't know that. >> You have a Nissan Titan? Don't even know. what a Titan is. >> Yes, a truck. >> Oh, that was a question. It's a truck. >> kind of, but your response was so. [laughter]. >> it's a truck. >> I don't know what this is. Yes. >> Yes. >> Do you have a minimum payment to that. dog and rent thing? They just included. in my rent. So, I just pay 1,600 bucks.

every month. >> instead of. >> instead of like 15 something for my. rent. >> Well, how much is going to this so I can. put it as a minimum because it actually. I need to know when it's paid off. That. does help. >> It's. 460 70 bucks something like that. >> I'll do I paid more of it. >> I'll do 65. >> I just included this Nissan. >> What about it? >> Instead of 5.4% 4%. That's actually not. horrible with a $356 minimum monthly. payment. That's bad for you cuz you.

can't afford life. And what's bad is you. are underwater by about uh $10,000. It's. worth 27. You owe 37 on it. But here's. the thing. You you already had a paid. off car. >> Mhm. >> And then you did this. Like is that the. worst payment in the world? No. But it's. bad when you already had a payoff car. Why' you get this? >> You helpful. It's been super helpful. >> And you already had a car. >> Have you seen the snow in North Dakota? It's insane. It's been wonderful. I. don't have to call anybody for a ride. I. can get through just fine.

>> Yeah. Do you want me to show you a. picture? >> Shut the up. >> I saved a picture for you. It's got snow. in April in my truck. >> Okay. So, I That's I We used to get that. in Michigan. What do you want? >> I needed it and it's been super helpful. for like moving stuff for camping. It's a lot more comfortable. >> Sell your other car and put it towards. this then. >> That's what some people said. But I want. to keep. >> See, that's the thing. Why? Why? >> Cuz then why doesn't she can drive in a. year? >> No, please. We. >> at 13.

>> 14? >> You said 12? >> She's going to be 13 this year. >> Okay, dude. Okay. Can you drive at 14? I. thought it was 16. >> Is that when the permits start? >> Yeah. Yep. >> 14. >> Then I have a car for my kid already and. for long driving. >> Well, even still, sell the car. Save up. and help your car kid get a car and. work. Also, I don't want this kid to be. mobile, man. I'm scared with this. What. the with what this kid does? I'm scared of Yeah. Aren't you? Um, >> she's a nice kid.

>> Well, I didn't say she's a bad kid. She's a risk though. >> for herself. >> Oh, >> I don't think she's a mean person or. bad. >> I mean, I kind of met her a little. She. didn't seem like a piece of I. never insinuated that. She's a flight. risk for herself, though. >> I don't know if I want her driving. around. She needs more help. >> Yeah. >> Yeah. Sell the car and put it towards. your debt. Okay. >> What can you sell your other car for? >> Um, last I looked it's. >> got a loan title. >> 6,000 or something like that. >> Uh, 5,000. Okay. Sell it and put it.

towards this. Like I get it. Yeah. >> Yeah. >> Maybe. I don't know. I I'm I'm getting. some data. >> Mhm. >> Then I'll have better information here. in a second. The interest rate isn't. horrible, but what is this? >> Uh, >> hospital bills. >> Get on a payment plan. You can get like. five bucks a month, dude. I am on a. payment plan. >> Well, how much is it. >> for the $956.54? >> Um, I believe it's like 50 bucks a month. or something like that. >> Yeah, I told you. Okay. Essential.

Health. Another medical bill. >> Yeah. >> Okay. It's 54247. >> That one I put on my FSA. >> So, is it paid for then? >> Yeah, that one's paid for. >> Okay. Is this for your kid that can't. stop getting hurt? >> No, she usually doesn't go to the. hospital. That was the whole thing. Yeah. >> Okay. So, is this a lot of different. Wait, what is this? What am I looking at. here? >> It's a collections. >> This is collections. >> for hospital bill. >> Why? Why didn't you get on the payment. plans? >> Um, I was on a payment plan and that.

stuff came after. >> This is like 300 bucks total. >> I was already on a payment plan and that. stuff came afterwards. So, >> why not if you were paying on time? >> It just keeps coming. The hospital bills. keep coming and they send their um. payment plans. Fargo, North Dakota gets. 51 inches of snow a year. Kazoo, Michigan, where I'm from, gets 60. It's. snowier where I'm from. That's called. lake effect snow thanks to Lake. Michigan. I my entire life went up there. and my job was to delivery drive, by the. way. So, I drove a lot. Was a.

front-wheel drive sedan. You don't need. the truck. Get rid of the truck. >> You're not. >> I was I was allowing you to justify it. for a second until I actually had data. to stand on it. And I go through I've my. entire growing up life and driving, learning how to drive wasn't a car. And. if you're willing to have your kid drive. the car, by the way, then you're willing. to drive the car yourself. You're. coping. You're a dumb. Get rid of the. truck and drive your car. >> You need the truck. >> You don't. No, you don't. >> Yes, I do. >> Why? >> Cuz it's more comfortable and I can get.

through everything. >> Okay. >> And I started trail riding. >> I'm about to end the conversation cuz. that's not a need. That's not a need. >> It's got a huge back seat. Heated back. seat need. >> so I can use it. THAT'S NOT A NEED. >> as a casting couch for the daddy roll. [snorts]. >> No, that's disgusting. Stop. Stop. >> It's got cooled seats, too, which has. been great down here. >> Yeah, it's not a need. It's nice. It's a. want. Get rid of it. You can't afford if. you can't even take care of your kids. You're pathetic. Student loans for what.

degree? >> Um, >> $17,410. >> All the degrees I never completed. >> Uh, what's your minimum? I haven't been. paying on it because that's going to. default. >> It's been in forbearance for forever. >> It's not anymore. >> for the save stuff. >> Yeah. No, actually that just kicked over. this month. >> You didn't pick a new plan on the. repayment assistance program. >> No, >> you're going to default in a few months. if you don't. Now, you need to get. >> I have it on automatic payment. So, once. it has minimum payments, >> I highly doubt it cuz you had to select.

a new plan. Safe plans had to select a. new plan. >> Okay. I guess I'll have to do that. >> Yeah, you need to do that day in the. hotel. I'm going to put it at like 50. bucks cuz you can probably get it down. to there. >> Mhm. >> What is this? There's a spending account. of some kind, but I don't know what. >> Uh, >> PayPal. Jeez. My goodness. You can't. answer questions. >> It doesn't have a. >> They're able to answer your questions. for you cuz you suck. >> I sent them the stuff. >> You sent it. So, you should know. >> It is. >> You should know. They shouldn't know. more about you than you do. >> I put the titles on everything when I. sent it. >> McDonald's. McDonald's.

Oh, this is insane. What are we doing? This. is your kids. THIS IS YOUR KIDS. MCDONALD'S. MCDONALD'S. MCDONALD'S. SPOTIFY. MCDONALD'S. DOMINO'S. MICROSOFT. MICROSOFT. NETFLIX. MICROSOFT. DOMINO'S. TARGET. PATREON. And yet you don't even take care of your. kids. >> Pathetic worm. >> They're taken care of. >> Shut the up. >> They're taken care of. >> Shut the up. >> No, you. Okay. 3,000 in there. >> Oh, HBO Max. Amazon Prime. McDonald's.

Going in. Get some getting. energy drinks. Of course you are. You. dumb. >> I get donuts for my kids to bribe them. to get up for school in the morning. >> Oh, she can't parent. She can't parent. She can't parent. Give up. Give up. >> You should try doing it. >> I will at some point. And I'll do a lot. better than you. >> Just like every other parent. >> Think you don't know what you're getting. into. >> I have lots of shitty people on the show. that are better parents than you. You're. bribing your kids to get up. You're a. bad parent. >> GPT? Really? Foring what? What do you. do? You don't do Energy or donuts?

Dominoes. Donuts. Uh, some subscription. I don't know. Donuts. Popeyes. Amazon. Theaters. Prime. McDonald's. Venmo. AMAZON. AH, MCDONALD'S. PHOTO. TJ Maxx. Chick-fil-A. Oh, aesthetics and. Fleet Farm. Domino's. [gasps]. DONUTS. [screaming]. GUADALAHARA.

AND NORTH DAKOTA. YES, that's right. Spotify donuts. Play some inapp game. You're playing. Taco Bell. Taco Bell. Amazon. Amazon. Oh, retry. People. pay people. Pay people. Go up. $11 in. savings up from two. Woo. >> That's not good. >> No, your life sucks. Which means your. kids life sucks. Which actually makes me. feel bad cuz go I mean, you can go.

your life. Whatever. I don't care. They don't get the consent. If it's a. 2,200, >> shut up. >> Okay. Retirement practically nothing, right? 3,000 in your pension. Wow. >> Incredible. >> 30,000. 30,000. Shut the Shut up. Shut. up. Shut up. >> What are they called? 401k. >> Quiet now. Quiet now. Quiet now. We're. almost done. Okay. Your income is 5,200. Your rent is 1,600, right?

>> Mhm. But it's actually a,00. >> 544,540. we'll put in your minimums which we'll. add that extra part to Jesus crazy. It's. actually more expensive than your rent. That's how pathetic you are. $1,648.13. What? >> What are you talking about? >> Your minimums and payments are more. expensive than your rent, you dumb. >> Oh, what's your. >> Oh, just shut the up. What's your.

utilities? >> Uh, >> gas and electric and internet all. combined in water and. >> So disgusting. >> Gas and electric is about 200 average. >> Uh, water's like 90 and internet's 90. >> Expensive internet. 380. What's your. phone bill? >> Um, 85. >> Not horrible. I'll do helium if if if. the towers are good in that area for. like T-Mobile and stuff. I I'm not sure.

in Fargo, but I would check it out. Gas, broom, drive, drive. >> a lot. >> Let's do a number. 500. >> Car insurance. >> 140. >> Food bill, you should be able to do 700. Meal plan, meal prep. >> Mhm. >> TP fund anything else for you and the. kids? 250. Medical healthcare co-pays. >> a ton. Um, probably like 300 a. month. >> Okay. Is there a gym?

>> No. >> No more pets, right? >> No. >> Try $50 of subscriptions. We'll try with. kids. It might be difficult. Oh, and. we're underwater. 5,643 to survive. Get. rid of the car. Um, yeah, just sell it. >> Should I put that money on the truck or. where should I put it? >> Uh, no. No, no. Sell the truck. Sorry. Sell the truck. You're out of there. I. don't care about your mobile. Then we need to tax that debt as quick. as possible so you can at least break. even. Once you do, cuz you're working.

just a ton of extra shifts, not. traveling anywhere, not spending money. Then you're paying off that extra 10,000. you'll owe on that, which will free about 350 bucks, which. will get you to break even, which you'll. still work hard, and then you start. paying off that debt, and it's going to. be years. You can go through bankruptcy. at some point. That might be your best. option. you know, certainly still get. rid of the truck, get through. bankruptcy, get that loan out of there, and keep your car. Um, it's going to. you for getting like future rent. places. It's going to be harder. It's. going to be more expensive to get in, but um might be your only option out cuz.

you just don't make enough money. You. might need to leave and go to a place. with more opportunity cuz what your. position is actually make good money. places. Obviously, your kids need a. better place anyway. So, this is a. disaster. Those are the paths I would go. down, but none of it works if you don't. change your behavior first. And that. starts by following this budget. So, don't do any of it without changing your. behavior and following this budget for 3. months. Guys, I'm going to call this guy. that she's stalking and going crazy on. And I'm going to try my best and I'm. going to get her to. I'm going to get him to even know how. crazy this is. My goodness. I got to I.

got to save a brother out there. I got. to save a man. Oh, I got I got to Let's. get a hammer financial score. Shut the. up. Spending in a budget overspend. 0. out of 10 debt collection. 0 out of 10. emergency fund. There was nothing. 0 out. of 10 retirement. It's at least. something. It is $30,000 for someone who. is 32. Dramatically behind for your. income. 32. What you make? It's about a three. out of 10. Real estate 0 out of 10. Hammer financial score 1 out of 10. Get. yours at Caleb.com. Now click join to. join Hammerly for an extra 20 minutes of.

this episode called H Financial Auto. Post Show where you get three premium. shows every single day, 6 days a [music]. week. You can join here on YouTube with. that link in the description or by. clicking the join button or you can. watch on the Hammerly app or by going to. hammerly.com. See you there. Hello. Hi. Can you hear me? Hi, this is Kayla. How. are you? >> Why Where are you calling for? >> You're stressed. I'm with your your. little friend. >> Um, how did she have my number? >> What? >> What does that mean? >> Don't act like that. >> I changed my number.

after we hung out. >> Are you serious? I just launched the. brand new Hammer Elite [music] app. available on every major platform, so. you can watch every show anywhere you. want. You'll get three exclusive. dedicated shows every single day, Monday. [music] through Saturday. Refer a friend. after you sign up and you get an. additional 30 days of Hammer Elite. access for free. [music] Download the. Hammer Elite app by using the link in. the description or pin comment down. below. This is the best membership. you'll ever join.