I'll Get Cancelled For This... | Financial Audit

We have information from your ex. She. thinks you cheated on her. >> That's what she thinks. That doesn't. mean it's true. >> Conveniently, you are with the guy that. she accused you of cheating with. So, when your keeps getting you in trouble, it's cuz you're cheating. Why don't you call your boyfriend? Let. me see what he thinks. >> I can try calling him. He's at work. right now. He might not answer. >> Yeah, try to call him. >> Hey, what's up? >> I have an exclusive offer just for you. But there's only 1 week left to. purchase. You'll get [music] lifetime. access to the entire Hammer Elite. catalog and my Hammer for Life box. packed with [music] limited edition.

merch. Plus, I just launched a brand new. Hammer Elite app available on every. major platform. To celebrate the app. launch, I'm offering 30% off the annual. plan in the month of June only. Download. the Hammer Elite app by using the link. in [music] the description or pinned. comment down below. This is the best. membership you'll ever join and that's a. promise. >> Hi, I'm Bree. I'm 26. I'm from Houston, Texas and this is Financial Audit. >> Thanks for coming over to Austin. What. are you doing Houston.

>> for a living, Bree? >> Um I have like an office position. So, like I'll answer calls, take orders. Really rudimentary office. It's like. kind of like a receptionist. >> This is This is a receptionist. This is like intern. Okay. >> Not intern. Like I'm full-time. >> Taking orders? >> Customers call. They say, "Hey, I want. this product.". >> Oh. >> I put it in the system. I take payment. and then I give it. >> sales, no commission. >> No, no commission. No. I'm not a sales. rep, exactly. Customers just call. >> Okay, well cool. What are you making in. this position? >> I make 20 an hour. I'm salary. So,

>> 20 an hour salary. So, what's your. what's your. salary? >> I. get paid bi-weekly and. >> What's your salary? What's your income? >> Like what am I getting paid every. paycheck? >> "What's your salary?" it's like you make. This is your salary that you're. accepting on a yearly basis. What is it? >> I make 42,000 a year. >> Okay. Listen, I mean, Houston as far as. all the Texas cities go, def- it's not. the most expensive, but it's kind of in.

that middle range. But, 42. still hard. to stretch. And speaking of stretching, the quote I have from you before coming. on the show is. my. getting me in trouble. >> Yeah. >> So, if we're not making much money. and your. keeps getting you in trouble, >> It. >> How are you surviving in Houston on. that? >> So, I moved to Texas from Maryland 3.

years ago. I've only been in Texas for 3. years. >> Baltimore? >> A little town named Cumberland. It's. like 2-3 hours from Baltimore. So, you. know how Maryland is like big, it gets. little, and then it gets big again? I. live You've never seen the shape of. Maryland? >> I don't look at Maryland. >> of Michigan on your wall. >> give a cuz I'm from Michigan. >> Okay. Whatever. >> Should I have a frame of like Illinois. on there as well? >> states look like? >> Relatively. I know the map of Maryland. >> Okay. Well, anyway, Maryland I lived. like in the mountains, like countryside, real in the sticks type deal.

Um Okay. Well, me and her started. dating, moved to Texas. She was really. controlling with the whole relationship. So, >> say she wanted to go out to eat. >> way, it's interesting that every single. ex of a relationship that comes on here, the other person was always the bad one. Every time. That's interesting how that. works. Keep going. >> Sure. Um so, we would argue a lot about. finances. She wanted a joint account. There was no reason for us to have a. joint account. We lived in an apartment. We didn't have a mortgage. We didn't. share bills, anything like that. She. wanted to combine combine finances. I.

didn't want to do that. Saw no reason. So, if she was hungry and I didn't feel. like making anything, she would just. always want to go out to eat and would. never cook food for herself, never. wanted to grocery shop. >> What is this an ex vent hour? Like, I. don't What is this? This is so. pointless. >> lot of money on her in our relationship. >> When did you break up? >> New Year's Eve. >> Oh, okay. So, that is actually recent. Just said that. My goodness, that would. have saved me a few minutes. I do not. need it. Oh my goodness, my girlfriend. she didn't do the dishes.

>> No, it was like she would want to go out to. eat. I If she didn't have money for it, I would pay for it. And then if I wanted. something for myself, it was then an. issue. >> her so long if she was up your finances. cuz she wouldn't contribute and you had. to take care of her? Why did you stay with her so long? I'm. not giving you victim treatment when you. decided to stay. >> Like I would stay because like it would. get to a boiling point and I'd be like I. don't want to be together anymore. >> She's the one that caused the.

>> She would Yes. >> The injuries? >> Injuries? >> The scars, the eyebrow scars. >> No, that's just fashion. >> Fashion? >> Yeah. You know how people like get. piercings and all that? It's just. fashion. It's just hair. You just put a. little slit. You've never seen people with slits in. their eyebrows? >> Um injured people. >> Injured? >> I've seen some scars. >> No, it's not a scar. No. She was never. physically abusive, just mentally and. verbally. >> Uh-huh. So, this is again every ex in. the history of this show and yet I'm. okay. This is This is If it's every ex. ever and I can never hear the other.

person's side, it's like can I even. believe it in the end? I I have a hard. time. >> believe what you want to believe. I'm. just letting you know. She was really. controlling and a lot of my debt stemmed. from our relationship. >> Why did you stay? >> She would tell me she would change and. that things would get better and. >> does that need to be said until you are. able to advocate for yourself? >> ultimately three times and then the. third time is when I left. >> Okay, how long were you together? >> We were together three years and some. change. >> Okay, she's your finances for three. years. So, you're saying everything here. is because of her?

>> For the most part. >> Really? Cuz the last time someone said. that it was like 5%. >> of it happened while we were together. A. lot of it happened while we were. together. The debt, like if I didn't. have. >> For what? If you didn't have money to go. treat her, you would just go into debt. to treat her? >> I would use like the Cash App borrow or. use Afterpay and then. >> today? Cuz we're 4 months in, 4 and 1/2. months in from New Year's. >> Yeah, I get paid like twice a month. I. still have to pay all of my bills. >> paid twice a month. Welcome to.

paychecks. >> I have to pay all of my bills. >> Okay, well, then do it on your own. You're 26. >> Whatever money I have left over, I am. trying to put towards my debt. >> Are you? >> I mean, yeah, I'm trying. Yeah. >> trying? When you don't actually do it, how can you tell me you're trying? Like, what is that word? >> Whatever money I have left over after. bills, after gas, after whatever. necessities I need at the house, I'll. put towards my credit card or towards. the CashApp. >> towards credit card, which is why I.

spend hundreds on miscellaneous. hundreds on going out to eat. That's not going towards the credit. card. That's money going towards. >> A lot of it was when we were together. and I just. >> You going out to eat right now after. your. terrible two checks. Oh, crazy. How are you going to survive two. checks? No one else has to deal with. that. You can't tell me it all goes to the. credit card when it goes to going out to. eat and miscellaneous. >> It was going out to eat with her.

>> No, this wasn't. You broke up New. Year's. We're 4 and 1/2 months in. >> Yeah. >> Do you not realize that time has passed? >> Yes. The debt that has accumulated over the. years. >> that. I'm saying the money you have. after your bills, you spend it on. now. It's not going towards. that. You can't say that's her. She's. not here anymore. >> Yeah. >> Yeah? >> Well, I mean, I just I don't know. >> lying to me. >> How am I lying? >> Cuz it's not going to debt, it's going.

to How are you not able to. comprehend this as much? Is that the. Maryland educational system? >> No. >> How Baltimore? I don't understand. >> Baltimore. >> Allegedly. >> Not. You You all black people are from. Baltimore? >> Yes. >> So. >> [laughter]. >> No. You think that's the hub for all. black people is Baltimore? You think. that's where everyone's from? >> Atlanta. >> Do I sound like I'm from Baltimore? Have you ever met someone from. Baltimore? >> I crossed the street. >> You crossed the street? Were you scared? Were you scared? Were you scared you. were going to get robbed?

>> It was a joke. >> Okay. >> A joke. >> Okay. No. >> All all. all is good here. >> Okay, good. I'm glad. There's no reason to be scared. I know. you don't have a lot of black guests. You have not had a lot of black guests. >> Uh no, I just employ them. >> That's great. That's great. Love that. for you. >> Cuz I believe in. >> equal rights. >> Well, let's not go that far. Creating a. >> Oh. Oh. >> better future [laughter] for. civilization. >> Yeah. Okay. I'm glad. >> How do you not understand what I am. trying to say though? For that whole thing. I am trying to say.

you are lying to me cuz it's not going. to the cards. It is going to. >> So after we broke up, I had to obviously. had to get my own apartment. We had It. was me, her, her mom, and her brother in. an apartment. And so when we broke up, obviously I couldn't live there anymore. So. had to get my own apartment. This that and the third, whatever. Down. payment, first month, all that. >> You know. >> Yeah. >> have to emergency move out or you kicked. out? >> yes. Yes. So we broke up and then that.

happens. I don't know. I found like the. cheapest thing I could as fast as I. could. So. >> What is as fast as you could? As fast as. you could is you moved out and you. immediately got a boyfriend. >> I didn't immediately get a boyfriend. >> got a boyfriend. You got a boyfriend. pretty damn quick. We're 4 and 1/2. months in, you're already on lockdown. The thing is if your keeps getting you. in trouble. >> We realized we liked each other. >> trouble, right now. >> we liked each other, and he treats me a. million times better than my ex. >> That's great. Well, you're 3 months in, well, you're dating your ex for years,

so we'll see how that goes. But if. you're 3 months in and it's only been 4. months since you broke up, yes, you. immediately got with someone. and if. historically you keep getting in these. situations where you're giving. everything, going into debt for the. other person. >> We've known each other for a really long. time. We've known each other for. like as long as I've been in Texas. Like. Okay, so. me and him worked together, and nothing. emerged until me and my ex had broken. up. >> your ex accuses you. >> Well, yeah, cuz she doesn't trust men.

She doesn't trust any. men. >> No, she believes that men and women can. >> information from your ex that she thinks. you cheated on her. >> She does think I cheated on her with. him. That's what she thinks. That. doesn't mean it's true. That does not. mean it's true. I never cheated on her. >> Well, who do we believe? You say she's. verbally bad. She says you're a cheater. >> Okay, sure. >> Now, conveniently you are with the guy. that she accused you of cheating with. >> Okay, yeah, that doesn't mean. >> you while you were dating of hey, you're. cheating with him, and then conveniently. right after breaking up you're with him.

>> cheated on her with him because at work. when there's nothing to do, we would go. out by the docks, and we would hit our. vapes, whatever. >> And conveniently right after breaking up. you get with him. >> You know, she pulled up to work one day. unannounced and saw me and him like just. standing there talking, hitting hitting. our vapes. So, she was like, "Why are. you so close to him?". >> How does this prove that you immediately. got with him after breaking up? >> I didn't immediately get with him. >> damn immediately. Within a couple weeks, come on. >> We realized like, "Oh, you're going to.

leave me.". We were like, "You know, things kind of. just emerged. Like things just happened. Like we He treats me so much better. He's like, "You know, you really didn't. deserve that." He was going through He. got out of a relationship around the. same time, and him and his ex were going. through the same thing. We were like, "Wow, we're both going through these. problems, and we both agree with this.". You can believe whatever you want to. believe. >> You were also just endlessly complaining. about your girlfriend all day work. around this guy. His relationship ended. like that. >> complains about their home life.

Everyone at work complains about their. home life. >> I. don't just sit here. all day. >> You never vent to anyone. You never vent. to anyone about things that are going. on. >> really don't think so. No, I'm getting. head shake no's. >> Like your best friend, your parent like. you don't. >> bad isn't happening. >> Okay, good. I'm glad. But bad was. happening for me. So yes, THE PEOPLE. THAT WORK. >> THE PERSON that also conveniently like. always getting out of a relationship. Oh, I'm getting out of a relationship. Oh, we definitely haven't been cheating. when we're not together. Oops, we're. together.

>> We never cheated. >> Right. But but your ex was seen flirting. messages with other men in Discord. >> That was years. She scrolled back years. in my messages. I was at work. She was. at home. She knew I was. >> She worked with you. >> This So we did work together. No, we. worked together. Her position everyone. in that position that whole position got. laid off. So she got laid off. She. collected unemployment. So she was home. all the time. I still have my job there. So when I was at work, she text me like,

"Oh, who are these guys you're in the. server with?". >> sleep with a guy in Discord? >> Yeah, but it was not when we were. together. >> [music]. >> It was years before I even met her that. I slept with this guy. And we're all. from a small town. Like things happen. Everyone knows everyone. We can still be. friends after things happen like that. And it's not weird, you know, like. that's just the friend group. Like it's. everyone can be friends. Like it's only. weird if you make it weird. So anyway, she saw these messages that were from. literally years before I met her. But.

she was mad that I was still in. communication with them. >> So when your keeps getting you in. trouble, it's cuz you're cheating. >> I'd never cheated on her. >> But you wouldn't admit that, right? >> Do you have a Bible here? Do you have a. Bible here? I will right hand swear on. the Bible that I never cheated on her. >> That's like the holy grail of telling. the truth, isn't it? It's like swear on. the Bible. >> of swearing on the Bible is if you. believe in it. >> That's like the most way I can prove. that I didn't cheat on her. No. >> So it wouldn't matter. >> Well, I don't know how else to prove. that I'm telling the truth. You're going.

to believe what you want. >> work because she worked there, too. >> us. >> You were having 40 messages and you got. together immediately with him after. that. >> were with someone completely different. from literally years ago. >> get me wrong. I'm leaning on the side of. okay, you probably didn't, but just with. how everything is lining up. >> No, she legit She was super trad in the. sense where she didn't believe that men. and women could platonically be friends. She did not believe that in at all. Even. with her own brother. >> And maybe she was right, though, cuz you. got with him immediately.

>> Even when we were together, I would hang. out with her brother. >> Eve. What was the When was the first day. he stuck he stuck it in you? >> Oh my god, not till like February. Like. literally two times. >> are 3 months in, that doesn't line up. I mean, you guys started dating before. you. >> February. No, we started dating at the end of. February. >> Well, then you're not 3 months in. >> We're coming up on 3 months. Careful. Your eyes will get stuck like. that. >> What? Doing this? >> Yeah. You saw how. >> It's not eyes. It's. >> Your eye literally almost rolled in the. back of your head.

I had no one to tell me what I could and. couldn't do. So, yeah, I had this extra. money that I wasn't spending on her, so. it felt good to spend it on myself. >> There it is. Cope the Cope. You said. your money after bills are going to. debt. No, they're going after feeling. good about yourself and slitting your. eyebrows. That's it. >> It Yeah, it does make me feel good when. I haven't. >> I You lied to me. You lied. You lied to me. >> not able to do anything for myself for 3.

years. >> You lied to me. Caught you in the lie. Hmm, who Only if I had more proof on the. cheating. Cuz you said it would all go. to debt after bills. No, it goes to. and you're saying it's cuz it. makes you feel good because you never. had to do things. >> And I would put money towards my debt. I'm not saying I would put everything. that I had left over towards my debt. Yeah, I would put some towards my debt. But yeah, I would buy myself things to. feel good. >> So, it's a lie. You lied to me. >> How's that a lie? >> All going to making you feel good, not. going towards that.

>> Some of it is going towards that. All. >> Like a minimum payment, but that's the. basic bare minimum. >> It's something. >> Not if you still spend on it. That just. makes it go worse. >> I haven't spent on my credit card in. over a month. >> Well, one, I don't even know cuz I have. your most recent statements, but who. knows? Everyone when they apply to come. on the show changes their behavior for a. couple weeks. Doesn't mean it's. permanent. Just like before you go on. any kind of show. What who Nothing. suggests that. Look where you are. But. even still. >> I'm here.

>> Oh my gosh, you're just hitting every. catchphrase. Can you just pay yourself. in my car? This is so annoying. You're. hitting every catchphrase for like no. reason. The thing I obviously the. reality is everyone before they come on. any show that involves changes, they do. change for a like a couple weeks. That. changes nothing about the reality of. your actual situation. >> It's a learned behavior. Things change. >> That's an excuse to do it? >> an excuse. It's me saying, "Okay, I'm. now going to change the way that I spend. and change the way that I spend my.

money.". >> Well, you told Colton you're better than. all the other crazy people that come on. the show. >> I feel that my debt is not as bad as the. average guest. >> Okay, when you're spending it all on. instead of the debt. >> not as in the hole as the average guest. >> Okay, which is why your savings is. negative $35.15? Negative $35.15? Negative savings. You owe on your. savings. >> I paid that up, I'm pretty sure.

I'm pretty sure, yeah. >> I have it. No. >> My savings right now? >> Yes, no. I have it. >> Okay, well then I would have to check it. cuz I do not remember it being in the. negatives. >> give a what you remember. I have. it. It has nothing to do with your. memory. It is in the statement. It is. here. >> Okay, well then I'll fix that. >> You can't say you're better than the. guests and they don't have negative. savings. Owing to their savings account, that's. not something guests have. That is you. You're not better than them. How can you. say that? There's a Cash App loan. You. have a Cash App loan. That was a part of.

your income was a Cash App loan. Cash App loan. Your payroll is $2,461. What was your outflow? >> Definitely more than that. Um. >> more than that, but you're better than. all the guests? >> Um. >> What's your outflow? >> [sighs]. >> Maybe. 3,000. >> $3,279.22. You're better than all the other guests? >> I'm not as in debt as the other guests. >> Does it even matter though if you spend. more than you make and the debt is.

getting worse and you're negative and. you owe to your savings? >> be easier to fix. I'm not as in debt. >> you're lower income. If you're lower. income and your holes is getting bigger, it is harder to reverse that and get out. than a high income situation in a lot of. debt who can usually still have like. leftovers of thousands a month that they. can throw towards it and chip at it. When you're going to have a leftover of. maybe 100 to 200 a month, it's going to. take years. And that's even if you can. do that and even change your behavior. You changed your behavior for 2 weeks. before coming on the show. Congratulations, you did what every. guest in the history of financial has.

done. >> Well, yeah, this was like, you know, okay, I really want to change things. around. I want to make a difference. >> you want to. That's good. But you can't. tell me that you're all of a sudden go. to you're better than the guests cuz. you're doing every guest that you've. seen with worse finances changes their. behavior 2 weeks before coming on the. show. If I was going on a diet show or. workout show or competition show, everyone would change for a moment. knowing they're coming on the show. What. is matter What matters is your behavior. before, which is more likely to be your. lasting behavior afterwards after the.

fire under your butt 2 weeks after. coming out of the show is done. That is. what matters. >> It won't be done. I plan I plan on. taking this. >> is done, no matter what. >> but I really plan on taking this and. making a difference. I do. That's why I came on the show. You're helpful. >> Okay, so. you got into all this cuz of your. ex-girlfriend and you couldn't handle. that. What does the current boyfriend. know that you're leaning on now so. quickly? >> He. doesn't know.

about the debt because. his last relationship had a lot of debt. in it and he had to Well, he had to pay. towards the debt in his relationship and. the debt was not his. >> the debt? >> We just haven't talked about it. >> haven't talked about it? You could talk. about it if you wanted to talk about it. >> haven't talked about finances. >> You could. Not saying you necessarily. need to a few months in, but you could. Especially if you know he has a past. relationship negative with that. >> Yeah, because he's against it. I don't. want to have an argument about it. >> He's your boyfriend. Shouldn't you not.

be on the same page relatively? Or. what's the point of being. boyfriend-girlfriend? Are you trying to. make it last longer or is this just. something for fun? >> to last longer. Yeah, I want it to last. longer for me. >> need to have a conversation if you're. struggling with it. >> conversation. >> have a completely diverging worldview. >> Okay, we can That's That's the point. It's new. It's fresh. Yeah, we can grow. There's a lot of room to grow. I'm going. to, you know, bring it up to him at some. point. Yeah. >> When? >> When the time's right. There's no reason. to talk about it right now. >> Well, because he has that issue and.

you're just hiding it. >> Whenever it's smaller, it would be. easier to talk about. Because so then he. won't like, you know, freak out as much. >> says though and that delays them talking. about it forever. Freak out. Shouldn't. Wouldn't it be fair for him to know. what's going on if he's dealt with this. before? >> it change? >> It's you being honest because you know. he's dealt with this before. And like, "Hey, I'm working on this. I'm trying to. deal with this.". >> Exactly, and I am working on it. >> Yes, but he doesn't know. >> And he will know when it's better. >> But what if it doesn't?

>> It will. >> [clears throat]. >> I promise. >> You Well, that means nothing cuz. everyone promises that. That means. nothing. >> I mean it. I really do mean it because I. want me and him to work and I. want my finances to get better. >> Okay, well, I know you've lied about. money in past relationships. Or you lied in past relationships. In general, so. >> There is nothing. >> just a continuation. >> There is nothing wrong with a white lie. >> What's a white lie? >> A white lie, like to like to simply save.

an argument. Like whenever you just. don't feel like arguing, like that's. what a lot of. like happened with like me and my ex. Like everything was an argument. So. yeah, sometimes I would just kind of. not tell the whole truth to avoid the. argument. It's tiring. It's exhausting. >> Okay, so then if you're actually ready. to change, you're on board for this plan. then. >> I. am on board for the plan, but I don't. really want I want to keep living the. way I live. I want to keep living the.

way I live. >> Well, but you might not be able to. That's what sacrifice is. >> Yeah, there's sacrifice, but how much do. you really need to sacrifice, you know? Like how much. >> lot to do anything that is hard. Depending, I mean, I don't I don't know. the. >> Well, I don't. >> not like about the plan? Drowning in. student loans with massive interest. rates? I see it on the show all the. time. People get a loan to advance their. careers only to be left with sky-high. interest rates and crazy minimums that. leave their paycheck gutted. Maybe.

you've already gone to a normal lender. to try to refinance your private student. loans and they look at your. less-than-perfect credit score and hung. [clears throat] up the phone. Maybe part. of you even thought, "Yeah, that tracks. I guess I'm stuck." Stop it. You don't. deserve to be buried in a high-interest. loan for the rest of your life because. you hit a rough patch. The banks aren't. rejecting you because you're a lost. cause. They're rejecting you because. you're not profitable enough for them at. a manageable rate. That's where WhyRefi. comes in. WhyRefi works specifically. with borrowers who can't get refinancing. through traditional lenders. It's their. whole thing. They refinance private.

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buy a Funko Pop when I see it or. >> A Funko Pop? How is that more important. than your future in any way? >> good. It makes me feel GOOD. >> FEEL? >> YES, it's like it's the instant. gratification of like, you know, okay, so whenever you're feeling bad about. whatever situation you're in and oh, you. it's the same as like, you know, a sweet. treat or or a buy a little like some. people will buy a little boo-boo. Like. you you buy something to make yourself. feel better. >> And that's what sacrifice is. Saying, "I'm not going to feel better in this.

exact moment, so I can feel better for. the rest OF MY. LIFE.". >> WELL, YEAH, OF COURSE. >> SACRIFICE IS. That's exactly what I'm. talking about. >> sure. You can You can save all the money. in the world for a house or for. retirement and stuff like that, but like. >> Yeah. >> Well, yeah, but. like. >> to for a house, but retirement, absolutely. >> Well, yeah, but like truly, how much do. you need to save before it's like, "Okay, I've saved this much. I can now. spend. >> but that's after What are you talking. about? In the plan I give you 50% on.

needs, 30% on wants, which is a ton. of money. Maybe not for your income. situation, but it's still a large. percentage, and 20% on invested. If you. hit that 20% on savings for retirement, you can spend a lot of money still, a. larger percentage, 10% more. But that's. after you have a fully funded emergency. fund and you've paid off all bad debt, and you have not done that because you'd. rather get the Funko POP TODAY. >> WELL, YEAH, I'M tired of being sad. So, yeah, if I buy myself. >> And you said what you said. You have a. new boyfriend that's allegedly better. and all this stuff that you hide things.

from anyway. >> He is. He's really nice. He's really. sweet. He's great. But yeah, sometimes. when I'm feeling bad at when about my. debt and not having money, >> What do you feel bad about not having. money, so you spend money? >> It makes me feel good. It makes me feel. good. >> Okay, you need healthier coping. mechanisms. >> do. That's why I'm here. Like I. I'm going to do what makes me feel good. And. >> Then that helps me. >> sleep at night.

>> So, you're okay being in bad debt and. not having retirement for the rest of. your life then cuz that's what that. alternative looks like. >> What's retirement really going to do for. someone in today's age? >> Being able to retire. What do you mean? >> like I'm going to be 90 by the time I'm. able to retire. Like. >> if you don't save for retirement, correct. What What are you talking. about? Of course. >> That's just. >> That's why you save for retirement. You're 26, you have time on your side. You have compound growth on your side. >> But then like what's the point if I'm. just still working and still.

>> So you're not working at 65. Uh in your picture you're working until. 90 because you didn't save. >> [sighs]. >> I don't know. I just don't see it. >> How do you not see it? Make the math. make sense. Tell me. What's the. argument? >> Right now I am paying my bills. >> Are you cuz your boyfriend gives you. money sometimes. Your boyfriend is three. months. >> gas money. Yeah. >> Yeah, if you're getting gas money from. your brand new boyfriend that's. pathetic. >> He is nice to me and. >> but you need gas money. You deserve it. >> Yeah.

>> You don't deserve sugar baby treatment. You're getting gas money from a brand. new boyfriend that you definitely did. not cheat on with. >> I didn't cheat on him, but he feels I. deserve it. He's he's. >> What's the I deserve it? >> gentleman. He's a gentleman. He opens. doors for me. He calls me beautiful all. the time. >> better than money from him. >> becau-. >> to pay for things cuz you can't deal. with it. >> because I'm a good girlfriend. >> Or because you can't pay for gas. >> He thinks I deserve it. So I'm not going. to say no. >> You can't afford gas or you deserve it? >> Well, sure. Yeah, I need the money for.

gas, but. >> Exactly. There it is. >> And he gives. it to me. And he gives it to me. So. what's the problem? >> the problem. Your boyfriend, your new. boyfriend. >> He doesn't have a problem with it. >> That's not the That's not the point. How. are you how I don't How are you so. stupid? That's not the point. The point is that. you were having to borrow from your. boyfriend. You're telling me you're. better than other guests? >> It's not borrowing cuz he gives it to. me. >> take from your boyfriend. Yes. >> He gives it to me. >> Oh my gosh. Yes, you just what you just. keep repeating the same like couple.

words over and over again you think that. all of a sudden changes something? Listen, you have to take money from him. in order to pay gas, a necessity for. living. That's how you are. You're not better than other guests. You're not doing well. You're not even. retirement is not even in the picture of. the conversation. >> How long would it really take to save up. money for retirement? >> Decades. >> But like, I feel like I still have time. to do that. >> No. Because you'll be in bad debt forever.

and the indication of that, the proof of. that is that you are getting gas money. from your boyfriend. >> Sure, if he helps, sure. But I mean, even if I started to. >> financial problems if he has to give you. money, his current girlfriend? >> He likes to help me. It makes him feel. good. >> That is not the point. Was that my. question? Was my question if it makes. him feel good or if he wants to? Was. that my question? No, it wasn't. Stop being a dumb. Are you sure you can say that you were.

the problem in the previous relationship. when in your current relationship your. boyfriend has to get you gas. >> He doesn't have to, he chooses to. >> you wouldn't be able to get gas without. it. >> And I wouldn't, but he he chooses but he. chooses to give it to me. >> He chooses to out of your necessity. [clears throat] So you cannot tell me. that you were not a problem at all in. this previous relationship financially. >> I don't see myself as a problem in my. past relationship. I really don't. >> How do you see what you're doing now? >> everything for her. I paid for.

everything for her. So I don't see. myself as the problem financially in my. past relationship. If she didn't have. money for something, I paid for it. And. then when I didn't have any money left. over from paying everything for her, it. was then a problem. It was I overspent. I don't know how to save my money. because all the money I had went to her. Every the every. >> How do you feel that that is now you in. your current relationship? >> I don't ask him for money. I don't ask. him for money. >> Why does he give it? >> Because. >> Not because it makes him feel good. How.

does he know you need gas money in that. moment? >> He he gets in my car. I mean, he gets in. my car. Like he can look and see where. my car. >> together, he gets gas money? >> He can see when I'm low on gas and be. like, "Oh, here, fill up. Like I I don't. ask him. >> any of your. >> No. [clears throat]. >> He doesn't buy meals or get coffee. >> That's normal though. That's any couple. >> but it is still money, especially if. you're still going out to eat. >> buy us he'll he'll take us out to eat. He'll buy us groceries. >> buying food. >> I mean yeah, if I buy. groceries, yeah.

>> Going out to eat is not groceries, dummy. Stop. >> I mean I'll buy coffee and lunch. sometimes, yeah. >> Uh-huh. Instead of putting it towards. that, which was your entire argument. >> some towards that. I don't It's not like. I'm not putting anything towards it. >> Minimum monthly payments is basic. >> Yeah. And I'm doing that. >> Why don't you call your boyfriend? Let. me see what he thinks. >> I can try calling him. He's at work. right now. He might not even answer. >> Yeah, try to call him. >> Okay. I mean he might not answer. >> So try to call him and find out. Why are.

you like arguing with me on this? >> I'm just letting you know he might not. answer. And I have terrible service here. >> Oh my goodness, this is every excuse in. the world. And you're so. >> that I have terrible service? That's the. building. >> call and if it doesn't work, it doesn't. work. My goodness, you don't have to. Oh my gosh, you're so difficult. >> Hey, can you hear me? >> Yeah. Hey, what's up? >> Hey. Someone wants to talk to you. Okay. >> Hello.

Why the are you having to give your. girlfriend money? >> He doesn't have to. >> Um. >> [clears throat]. >> Just cuz I just cuz I'm I'm I'm just. nice. I'm just nice like that. >> Yes, you're nice, but the fact that. you're having to when. >> to. >> Shut up. Am I talking to you or am I. talking to him? >> Talk to him. He's going to say the same. thing. He doesn't have to. >> I don't feel I don't feel obligated at. all. I I really do it out of the. kindness of my heart. >> Okay, but if you didn't do it, she. wouldn't be able to afford gas.

>> I didn't know that. >> Don't you have trauma in your previous. relationships with financial issues? >> Absolutely. Absolutely. I was in a. toxic relationship for over half a. decade and I spent a long time helping. her pay off her debt. >> How old are you? >> He's 24. >> He'll be 25 this year. >> Okay. Uh okay, so you had to pay off all. her debt. How much debt is your current. girlfriend in?

>> I'm not sure. We haven't really talked. about that. We've We've only been dating. a couple of months now. >> I agree. It is kind of. It is pretty early for like the big. in-depth finance talks, but because of. your previous your previous issues with. your ex, would that not be something. that if she cared, if she. loved you, wanted to kind get out of the. way so that you weren't going down the. same situation again? >> There's just no reason to talk about it. now. >> How much How much debt are we talking. here? I I I didn't really know that like.

she was in debt. >> $15,586.97. She has 1 2 3 4 5 6 7 individual debts. Her savings is negative $15. She owes to. her savings, so that's an additional. debt right there. And she spent $1,000. more than she made last month. >> That's. That's more debt than my ex had. Uh why. Is Is Can she hear me?

>> She can. >> Yeah. >> Is there. any specific reason that you're holding. this from me? >> No, there was just no reason to talk. about it yet. >> But you know his past. >> Exa- So, why bring it up right now? >> You Well, that's the thing. You did You. knew that I spent over half a decade. already helping somebody pay off their. debt. >> Well, I was never going to ask you for. help to pay towards my debt, so that's. why I wasn't going to stress you with. it. >> Until you can't. You lose your job and.

something happens. He's your boyfriend. >> Exactly. We're together. Like, this is. kind of a a big thing to keep for me. Like, >> put him in that position. >> you. >> I said I'm not going to make him pay for. my debt. >> Well, why didn't you just tell me? >> I didn't want you to like. reconsider things. >> Isn't that manipulative then? >> This is This is This is a. big thing to reconsider. Um. >> But, it's not It's not your problem to. deal with. That's why I just was going.

to handle it. >> You're right. It's not my problem to. deal with. I've I've dealt with this. for too long. >> And this is And it's weird that you're. hiding it. >> never hiding it. We just never talked. about it. >> talked about it, but you did not engage. >> I just I did not see a reason to. >> Yeah, this is a hell of a thing to hide. Um. >> I didn't want to stress you out. >> That's Hey, I'm just going to let you. know, that's the excuse that every. single. uh person that has come on in a Couples.

episode, who ends up hiding even more. things in the future. That's the exact. excuse they use. I didn't want to stress. you out. >> There was no reason to. >> let you know, that does never That never. ends up well. >> I I I I just don't have the energy for. something like that. I I just don't. >> So, like, I do agree maybe we didn't. need to have the full conversation yet. in a in a traditional relationship this. early, but she knows your past. She's.

able to speak very well on the struggle. you dealt with. Would it not make sense, in your opinion, that then she would. have brought this up knowing your. struggle in the past? >> Absolutely. Absolutely. I. was in a relationship where I never seen. my own money. So, I just don't want to hop into. something like that again. I understand. that you say it's not my problem, but. we're together. It's going to be my. problem. >> But it's not your problem right now.

It's not something. >> he knows it could be in the future. >> But what about the future? >> would never concern him with my. problems. >> You can't say that. >> You You have to. We're together. You. have to concern me with your problems. >> sure, if like we were about to make a. big investment together, yeah, then I. would be like, "Hey, >> Isn't you guys dating an investment in. each other? >> financial investment, sure. >> No, it's the whole picture. >> But we don't have any kind of joint. finances or anything right now. Like. everything is separate.

>> that's still going to put a hole in any. of my future plans if I do want to make. an investment. >> far future. >> Are you kidding me? >> My debt right now doesn't like affect. you, and I don't. >> Not now, but it will in the future if. we're going to stay together. Why don't. you understand that? >> And And then we could deal with it in. the future, but right now it's not. something that's a problem. >> Are you serious? Right now, it's not something that's a.

problem. I I can't I can't do this. I can't do. this. >> I. >> What? >> I. have. another thing to tell you if we're being. honest about debt. >> Yes. >> What? >> Um whenever me and my ex broke up, I. like I said I had to like immediately. get my own place, so I had to break the. lease at my old apartment. And so. they're wanting like.

I don't know, like 2,000 dollars for. like. >> I didn't have that debt. That's. additional. >> Well, it's not like an actual debt. They're just saying, "Hey, we want you. to pay for this.". >> That's a debt. >> But it's. >> So not only do you have. other debts, but you have a debt with. your ex? >> They want me to pay towards the. apartment because I broke the lease. early. And I feel like I shouldn't have to do. that. >> Shouldn't have to.

>> live there anymore. Any damages are on. them. >> But that's another worry. I thought you. were going to cut off all ties with your. ex. I. I don't understand. All right, this. This is a lot to hide. I. I We got to have a serious talk because. this is. This is really affecting me right now. Uh I don't I don't even know what to. say. >> Well, I'm just going to let you know. I'm just going to let you know cuz I. guess this is honesty moment. Her ex is. currently threatening her with a. lawsuit, but she didn't want to tell.

you. >> She says she'll sue anybody. >> I know, but you specifically didn't tell. your boyfriend. >> Because she's crazy. So why am I going. to be like, "Oh yeah, my ex said she's. going to sue me if I don't pay her." She. She would threaten anything. >> But you just won't tell him anything. >> Because why would I stress him out? >> tell Yeah, yeah, you're. >> I stress him out? >> Stress him out, that's your answer for. everything though. Just you're allowed. to say things. >> Because I'm going to handle my I'm. going to handle my own Why am I. going to put that on his plate? He. There's no reason for him to know and. stress out about it. That's my problems.

>> Look, that's a that's a lot of debt and I I. I I know around what you're making right. now. This is going to this going to take. a long time. >> Yeah. >> Yeah, but I would handle that. I. wouldn't ask him to help. >> you think about her negative balance in. her savings? She actually owes her. savings account money. >> I. This is all news to me. I'm already in. shock. I just.

Like I didn't even. Cuz she never asked me for money. I just. I I knew she was on her own. I didn't. know she had debt though. I just I I was. just giving money cuz like, "Oh, you. know, she's paying rent by herself.". Like roommate. >> See, that's what I mean. Your service is. terrible in here. The call already. dropped. >> You still with me? >> Yes. >> Uh you want Can you repeat that last. sentence? >> I I just knew that she was on her own. and didn't have any help from roommate,

so I was just like I didn't feel. obligated. I was just giving money to be. nice. >> Yeah. >> I didn't know she like actually needed. it. >> Mhm. Well, you're giving her that money. to be nice and as you were saying that, a notification for Pokémon Go popped up. on the phone. And usually when that. happens on the show, I haven't looked. into it yet, but most guests spend $100. or $200 a month on Pokémon Go. >> played Pokémon Go in years. I just never. deleted it. >> Okay. >> I have some I have some shinies on. there. >> Also, I did just find out that even. though we're reimbursing her on Venmo,

it actually might be a net loss because. apparently she owes Venmo money as well. I didn't know that either. So, it just. keeps stacking. >> I haven't used Venmo since like high. school. >> What else do do you owe? >> I think that's it. I don't think there's. anything else. >> Are you sure? >> I think so. >> This dude had to deal with a shitty. relationship in the past where he was. paying someone else's debt. I don't think you have to tell someone 2. months into Well, 2 months into a dating. I don't know. That is when we start.

having conversations, but even still, like if you wait a little bit longer, it's not the end of the world. 3 months. maybe, but. you know his problem. It would have only. been fair for him to know what is going. on in your life and tell him that you're. working on it. Yes. Not. asking for help from him, but to let him. know what's happening based on his past. Wouldn't you agree with me, guy? >> I agree that I have had my kindness. taken advantage of and I don't want that. to happen again. >> I really didn't know. I never asked him.

for money. I never asked him for money. I never would. >> you said it's not a problem right now, but when it is a problem, that's what it'll will like. >> But I wouldn't put that on your plate. >> That you can't say that. You can't. promise that. You don't know what. happens in layoffs and stuff. >> You can't say that if we're together. >> Listen, before I let you go, I just want. to know what's going through your head. right now. And I'm I'm sorry that you're. learning this all at once. >> No. No, it's I'm I'm in shock. I've I.

you you lost some some trust points with. me. I need to have a serious talk with. you. I I'm I'm heartbroken, honestly. >> Yeah. That's fair. That is fair. She said she's sorry with a smug. non-believing face. >> How's that smug non-believing? I am. sorry. I didn't want to stress him out. That was the whole point is I didn't. want to stress him out. Now he's worried. about it and it's not his problem. >> All right. Well, have a good rest of. your day. >> You too.

>> What the is wrong with you? You. told him you're going to the doctor. today to hide that you're coming on. Financial Audit. Like all this. Like what is wrong with you? Can you. tell the truth about anything? >> Yes. >> Why did you tell him you're going to the. doctors? >> Well, because he didn't need to know. >> He's your BOYFRIEND. YOU CAN JUST SAY. THINGS. >> I dealt with my ex for so long. >> was just about because he didn't need to. know. That's what you were starting to. say. >> He didn't I didn't want to stress him. OUT WITH IT. I DIDN'T WANT TO STRESS HIM OUT. THAT'S but you lied about. where you were going. You didn't just.

not say You couldn't just not said where. you were going, but you literally lied. >> at work. >> You said you were going to the doctor, though. >> work. >> Huh? >> I if I'm not at work, I have to say I'm. going somewhere. >> had to lie about where you were going. So you lied. >> Sure. Because I didn't Because I didn't. want to tell him I was coming here to do. this. >> Yes. >> For this to stress him out? >> Yes. >> That was the whole point is that I. didn't want him to stress out about my. problems. >> to choose that for him. >> my problems. It's not his problem.

>> It is is actually is his problem now. that his girlfriend is lying to him. >> Now it's his problem because you wanted. to call him. It wasn't his problem. >> problem. He just didn't know because. you're lying to him. >> It was not his problem. It was my. problem to deal with. >> that he can't trust. >> He can. >> No, you're literally saying that if you. cheated on him and if he didn't know, it. wouldn't be his problem. But the moment. he knows then it's his problem because. he found out. >> the same. >> Cuz he found out his girlfriend is a. cheating. >> No, that's not the same thing. >> Like you like you were with your ex and. lying. >> And I'm not a cheater. >> Uh-huh.

>> Anyway. >> You're lying about pretty much. everything, really not helping with your. case there. >> I. If I'm the bad guy, I'm the bad guy. But. I. >> look what you just did. The dude's like. >> Well, because you wanted to call him. >> Yes, but he should have known this. information regardless. >> would have known eventually. >> Eventually, eventually never comes for. people like you. It never does. >> He would have known eventually. >> just said the same thing. You just. immediately you can't rebut what I say, so you just say it again. >> I feel like I get I just feel like there. was no reason for him to know right now.

It was my problem to deal with and I was. going to deal with it in my time the. best way I could. >> that's kind of gross. And he agrees with. me. And he agrees with me that you. should have told. >> Well, yeah, of course he's going to say. that. Of course he's going to say that. >> your partner, the person you're building. a li- life with now. >> Yeah, and I'm. >> Who thinks how you did this was wrong. >> I can't fix it now. >> No, but you keep defending it. >> Because what what what is what else is. there to do?

>> The alternative. >> And what's the alternative? >> Tell you would have told him earlier. >> Okay, well now he [laughter] knows. That's what I was going to do. >> Okay, well now he knows. So now it's it. is what it is and he knows and. if he stays with me, then great. We can. work past it. And if this is too much. for him, then. >> If you or your child spent years growing. up on social media and experienced. serious mental health struggles, you. should hear this. Recently, a jury. ordered Meta and YouTube to pay millions. for their role in designing and.

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offering 30% off the annual plan in the. month of June only. Download the Hammer. Elite app by using the link in the. description or pinned comment below. This is the best membership you'll ever. join, and that's a promise. What do you think your financial score. is, 0 to 10? And then we got to see. where this actually is sitting. >> Um I did take the test. >> Proud of you. >> I got a 4.5. >> Really? That. >> Yeah. >> That impossible negative savings you. answered wrong. >> No, I. >> If you want to take the test and answer. correctly to get your Hammer financial. score, do it for free at.

calebhammer.com. That's literally. impossible. >> I was at 4.5. >> But shut up for a second. >> Mhm. >> Good. Hold on. >> Can you not listen to me for the same. time? >> So, you're so obnoxious. >> Sorry. >> I don't see returns. So, like it doesn't. make sense. Okay, get it at. calebhammer.com. It just takes a few. minutes. It's free, and you can see. where you stand in the world of. finances. And if you don't want to be. like her who ends up on the show, so you. can answer the questions correctly, download the Daileor's budgeting app. Listen, tens of thousands of monthly. active users use it for a reason. They. are changing their lives with those. automatic account connections, the.

insights that you actually need to. change behaviors, and choose what is. important, what's not important, what's. things that make you happy. It helps to. rank that so you can actually make. the cuts you need the easiest way. possible. It is changing lives, so get. your free trial dollarwise.com or just. download the app. Click the link in the. description below. Remember, most people. take the annual version cuz it saves a. lot of money, and you get my detailed. 30-day meal plan that we have custom. made to stick to a budget and it is for. every snack, drink, meal for a full. month that you can repeat. I will sign. it and mail it directly to you. There.

you go. >> Thank you. Do you go to the gym? >> Mhm. >> You do? >> Mhm. >> Do you skip leg day when you go? >> Yeah. >> Do you really? >> I mean, I just. >> fully? >> I go I go there because it's too hot. out, so I just do the treadmill. >> You only do treadmill? >> Yeah. >> Maybe you should focus on leg day. >> Okay. >> You. I saw your. your ankles are like that big around. >> Rude. >> Yeah, your ankles are so small. You. you're really you're top heavy. You're. really top heavy.

>> Well, yeah, I got a fat belly. I don't know [laughter] I don't know. this is this is bad chat. What are we. doing? What are we doing here? Okay. >> I think. >> Let me know, chat. >> Yeah. >> I think she's trying to find a way to. get back at me after I just ruined her. relationship because she's a piece of. >> I'm not a piece of And the. relationship's fixable. >> Oh, wow, you'd be great to be with. >> It is fixable. Everything's fixable. >> Um okay, so you can't borrow anything.

from what I think here is Cash App cuz. you've already hit your max. >> that is Cash App. >> Why are you owing? Why are you at that. overdue, by the way? I wish I saw that before I could even. talk to him. Well, Okay, listen, you're not only at that. limit of $600 that you owe Cash App, but. you're over to your payment. >> Well, my limit used to be higher. My. limit used to like be double that. >> okay that you're not paying this on. time? >> No, I didn't say that. I just said that.

my. >> that your response? I'm confused. Your. responses are never. >> You said I'm at the limit and my limit. is. >> at the limit now. I don't care what it. was. This is what it is. Why do I care. about was when is is? I'm just saying, you know. >> Thanks for the. >> You fun fact. I'll remember that in. trivia about your life. >> Okay, thanks. >> This is maxed out today. And you're not. paying IT ON TIME. SO, if you're not. paying it on time, you're at the actual. max today. Now, you're not doing better.

than Gus and he doesn't even know that. you're behind the payment. So, what the. Is this another hide? It's another hide. from him. You're hiding that you're not. even making the minimum monthly on time. You when you even said "Well, so all of. your money's going towards paying debt. at the beginning.". You! IT IS PAST DUE! OVERDUE! MHM. WHY? Why didn't you pay. >> [gasps]. >> when you needed to? When you were. supposed to? >> I had other bills that came first.

>> going out to eat. The critical. necessities. The La Booboo or whatever. the you're getting at Pop Mart. >> Funko Pop. >> Funko Pop, that's right. >> No, I don't go to Pop Mart. >> Then did you I thought you Okay, Funko. Pop, so you're. >> Funko Pops are different. >> Funko Okay, very good. You're getting. your Funko Pops. That is more important. >> They're like $15. >> you told Colton in the green room like. "Ooh, I hope my reimbursement comes to. Cash App today so I can put you know, I. can put. >> if it went to Cash App, that would be. great. >> so that it pays that off so I can borrow. more money. >> That would be great. Yeah.

>> I can get more Funko Pops. I put that. part in, but. >> I enjoy my Funko Pop collection. >> What was more important than making a. payment towards this maxed out? >> other bills. I had other BILLS THAT CAME. FIRST. >> HOW HOW CAN YOU SAY THAT IF where your. money is actually going is going out to. eat and other I had other. bills. I had other bills and I. >> Oh my gosh. Literally, I swear this is. how an this is how something goes for. you. I ask you a question. And you're like. "Well, the answer is this pen." And I'm. like, "Okay, well, tell me about the.

pen." "Well, the answer is this pen.". Like you're only able to say what you've. already said. You can't go into further. detail about anything. You're incapable. of literally getting past the first. brain cell in your brain. >> I'm giving you an answer. >> No, no, no, no. You're literally just. repeating the same thing over again. I. said, "Why aren't you making the. payment?". >> "Well, there's more bills." Okay, tell. me about your bills. What's happening? Where's the money going? >> Okay, my other bills. Well, there's more. bills. My other bills, I have rent, I. have my car payment, I have car. insurance, I have internet, I have.

electric, I have my phone, I have to put. gas in my car. >> Well, he pays for that. He pays for. that. He mostly pays for that. Come on, even he was basically saying that. >> I. Sure. He doesn't pay for gas all of the. time. I still put gas in my own car. But. after all of that said and done, I then will. >> go out to eat, Funko Pops, miscellaneous dumbassery? >> I've paid all my bills though, so why. can I not. >> This is You have not. You owe the 600.

It's maxed out and you're past due. You. can't You You literally cannot say you. paid all your bills. This is a bill. >> It'll get paid eventually. >> Okay, so there's the eventually. The. same eventually that is you will tell. him. So, you see how how valuable that word. eventually is for you? >> Time. Everything comes in due time. >> that due time? Actually, in fact, the. due time was officially due. already. You just chose not to. So, the due time has already happened. >> that were more important than that. >> Funko Pop. >> There were other things that were more. important than that.

>> What? You can't describe. >> I. >> you talked about rent, utilities, but. you're making it sound like there's. something else. >> Well, no, it's just that. >> you hiding? Is that him? >> No, that's not him. >> Why is your phone Why Why is it on ring? >> So I can hear when it goes off. So you can hear it ring. >> in public. Allowing loud noises to just. >> Loud noises? It's public, dude. God. forbid someone has their ringer on in. public. >> What is wrong with you? What is wrong. with you? >> like I'm at a library. God forbid I have.

my ringer on. >> be clear when I say you people, I don't. mean black people. >> Okay. >> But why do you people. >> Mhm. [laughter]. Go ahead. You people? >> NOT CARE ABOUT PUBLIC SPACES THAT YOU'RE. IN. NOT black people. People like you. >> Cuz us. >> Is that a crime? There's a setting you. turn it on and off. >> Unfortunately, it's actually not a. crime. >> choice. >> You're making this selfish choice. >> How is that selfish? I have my ringer. on. Dude, you have to turn the ringer off. when you get your phone. It comes on. >> the buzz. I feel the buzz in my pocket.

>> Of ringing. >> Okay, my phone's not in my pocket, so I. wouldn't feel a buzz. So I would have. the ringer on to hear it ring with my. ears. >> in public spaces, the rest of us have. decency and try to keep it nice and. peaceful for everyone else to exist. >> it going to ruin your day that you heard. someone's phone ring? >> It's not just about ruining it, it's the. mindset. Do you go on speaker phone in. public? >> No. >> Listen, the ringer itself isn't the. worst thing in the world. It's just the.

overall behavior. And I thought you were. really going down the pipeline of like. all that other bad stuff, too, but I'm. glad you don't. Because it is really bad. when people disturb when people just are. selfish. >> And I try Exactly. That's the whole That. was See, that's why I didn't want to. tell my boyfriend in a sense. And. whatever, I try to not stress other. people. I am a people pleaser in the. sense of like I want to make others. happy. I want to make sure other people. are comfortable. >> Which is why you hide things from the. boyfriend. You don't tell him anything. You're not a good girlfriend. >> him out. >> do is suck him.

>> And that makes him happy, so. >> Exactly. So you think you could just. hide things from him. You get the good. luck luck a couple MONTHS. IN. >> AND I DO. >> SO, YEAH. If he's going to send me money. for gas after I give him some glock. 3000, then yeah. >> And whoever you cheat on with him, well, >> No, he's actually the best boyfriend. I've ever had. So, I would not cheat on. him. He's the best boyfriend I've ever. had. He's a golden retriever boyfriend. He's literally so sweet. He's literally. so sweet. He's such a gentleman. No, he. literally treats me like a princess. He's. >> yeah. I don't think he's very happy with. you. >> Well, yeah. He probably isn't happy with.

me now. >> Nor should he be. >> Sure. >> And I don't think enough glock glock. will make up for the fact that you are a. hider. >> I don't know. All men are convincible. with a little glock glock. >> Yes, but then the post not clarity. He. realizes he has a in his bed. >> Okay. And then I. >> Girl, see how Okay. [clears throat] The. thing is, and this is what's so annoying, is like. we told you to put it on mute. The also. other thing is, it's not in your purse. It's right there. It can be on mute. You. are someone who doesn't care about the. envi. >> I just said to call my boyfriend. So, you just gave me the phone. You just.

gave me my phone. >> you could have muted it after the last. call. >> Okay. Well, sorry. I didn't mute it. That's just how I keep the setting. >> it now. Exactly. That's what I'm saying. You don't recognize the space you're in, and how it's inappropriate and rude that. your phone is going off in the middle of. filming this episode. What is wrong with. you? >> Good. After I had to tell you after the. second time, because you had no. semblance of courtesy. >> It was. It was my ex. That was the ex. >> That was the ex? >> Yeah.

>> Okay. Well, we'll call him in the post. show then. We already. Oh, your ex. >> The ex. That was my ex. >> What the does she want? Is she. going to threaten to sue again? >> No, because because she knew I was. coming here, and so but she didn't she. didn't want. >> you're coming here, but not the current. boyfriend. >> want to be Well, because a lot of my. finances were involved with hers. So, >> to call the boyfriend and tell him. Tell him that you told the ex you're. coming, but not him. >> She. She wanted She didn't want to come on. the show. >> She's your ex. Why the would she be.

here? >> Okay, I'm not saying I wanted her to. come anyway. I'm just saying a lot of. people. >> you AND SAID, "I DON'T WANT TO COME ON. THE SHOW." [screaming] WITH NO CONTEXT. >> SHE NO, SHE'S because she knows a lot of. my money went to her and God forbid she. looks like the bad person. >> your $600 that you owe to Cash App is. because of her. >> I borrowed a lot of money. >> on making the payment because of her. >> I borrowed a lot of money. >> Funko Pop over it because of her.

Huh. Yeah, you're a lying. Let me see a picture of her. >> Uh. >> [sighs and gasps]. >> she's very masked. She's very. >> I knew. I knew you had issues. >> is tweaking out. Oh my goodness. Yeah, she's crashing out, dude. >> Ah, well, you know, it's fine. >> No, dude. She's crazy. This was us at. the Renaissance festival last year. She's very mask presenting. She wanted. >> That is a man. >> She wanted to transition. She. She wanted to transition.

>> Ah, that makes more sense. Show me a. picture of the current. >> boyfriend? Oh, well, here. I'll show you. this. Here, we have I turned it around. so it wasn't on camera. We have a like. the the Polaroid. >> You're so gay. >> Why? It's cute. That's us. He's so sweet. He's like 5'11. He's like a goofy. >> be it, right? >> a goofy white boy. I love him. >> Okay. >> He's so sweet. Um no. So, yeah, my ex really wanted to. transition. >> She got I got I got I got.

>> Dude looks like what every guy who. complains that he can't get with anyone. looks like. And he just broke up with a. 5-year-old. >> No. >> or a five [laughter] five five. >> What do you mean by that? >> five-year relationship and then got her, which means that if you are out there. not not getting a girlfriend and a weird. incel, it is your fault cuz everyone can. get someone and that was proof. >> He's so sweet. He's so nice. >> Realize how she doesn't say handsome. It's all he's so sweet. >> handsome. I call him my sweet angel baby. boy. He's. >> Oh, yeah. That's what every guy likes to. hear. Oh, you're so adorable.

>> is. >> Okay, $0 in Cash App went down from 25. So, that's great. Smoking more. So, that's what we do instead of paying. down our debt. Cuz that's 20 bucks. >> helps with stress. >> Okay, well, you're stressed out more. because you have a nicotine addiction. >> It It helps. When I am stressed. >> out more because you have a nicotine. addiction when you're not hitting the. vape. >> helps. When I'm stressed. >> I'm telling you you need to hit again. Then you have to hit. >> But when I'm stressed and I take a hit, I feel better. >> Yes. Yes, that is true. And then that.

cost you $20 instead of paying down your. debt. >> They last me a vape. They last me A vape will last me like 2. weeks. Like paycheck to paycheck. >> Is that a lot? I don't know. >> That's not a lot. >> Paycheck to paycheck every vape? You're. You're. paycheck to paycheck vaping. >> No, most people will go through a vape. in like 3 to 4 days. Like mine lasts. >> your brag is that you're addicted only. twice a month? Go just off your entire. life. >> some people that smoke a pack of. cigarettes a day. >> Oh, good. There's people that do heroin. This doesn't make that good. >> Sure, but I'm saying.

>> make sense to me. There are people on My. 600-lb Life. Doesn't mean I'm healthy. You see how that works? >> Leg day. >> Leg day is not going to make or break. this, but I get it. Cash App Well, you sent money in. Then. you went and took out some or. gas. Hard to tell what that part is. >> Where is it? >> Shut. >> I'll tell you if it's gas or. >> 7-Eleven. >> 7-Eleven. That was probably an Alani. What do you do? >> Alani You Alani. Why Alani? You can't. afford to pay back a loan to Cash App. yet you use it.

>> energy drink. >> Actually it isn't. For what it's worth. >> This one is. >> I'll give you this. Gamer Supps. It's Gooney. >> What flavor is that? >> Oh, that's JoJo's. That's cute. >> you go. See, you know it. I don't even. know this flavor personally. I give them. out random. >> Do you know much any anime? >> No. Uh I saw Arcane. >> Arcane is really good. Arcane Recently? Oh, wow. It's been out a while. Arcane. is very good. Um. It's a very different art style, which. which is really nice. >> Well, that's okay. We're not reviewing, but the thing is that is a lot better. First of all, it does taste better than.

Alani. We did blind taste test, confirmed, and our guests say so, and. people in the audience say so. >> Ocean Spray is good. >> only that, but after you figure out what. flavor you like by getting the free. samples with code Caleb in the link in. the description below, once you get a. pack like that, that is 40 cents a. serving with my 10% off that you get. with my link below. So, that is 40 cents. a serving to make your energy drink at. home. No more going in time and getting. some Figure out what flavors. you want with the free samples, and then. get the delicious stuff. So, you're. doing that now instead of stepping and. stopping in 7-Eleven and getting. okay? Who's texting you? Who's. blowing it up?

>> My ex. She like left me a voice message, and she's like blowing me up right now. >> Let me see. >> Um. Hold on. >> Okay. >> So, yeah, she sent all that. I don't. know what's in the voice message. I. clearly. >> phone. What the Oh my gosh. >> I'm telling you she is crazy. >> Okay. Okay. [laughter] Okay. I know you're talking about me on. the internet. >> See? >> Someone called ME FROM CALEB HAMMER. YOU. TRIED to call her? Oh, and get her on? Oh, my god. Wait, what? what the Pick up your. phone. Are you in Austin? I have your.

>> She doesn't sound very masc. >> No, she doesn't. When we would go out to. eat, >> see a guy that looked like a man and. came out with that I thought that I GOT. BUTCH. >> WHEN WE WOULD GO OUT TO EAT, IF we were. at like a dinner table and the waiter. would come up, and they'd be like, "For. you, sir?" And then she would start She. No, but listen, she would start talking, and then be like, "Oh, I'm so sorry, ma'am." But she wanted to transition. She wanted to be a boy. So, then it. would like hurt her ego that they that. they realized that she was a girl, and. she. >> You're paying a credit card via this.

Oh, well, I guess this isn't your loan. account, so that's actually okay. >> Yeah, I know. >> You transferred money in Foggy Dude. >> Yeah. >> WHAT IS IT? IT'S a vape shop. >> OH [screaming] MY GOSH. SO, OKAY, THERE. WE GO. WE'RE AT 50 BUCKS NOW. 50 BUCKS. THAT I HAVE GONE TOWARDS YOUR DEBT THAT. you refuse to pay. You won't even MAKE A. PAYMENT ON TIME. YOU WON'T EVEN MAKE A. PAYMENT ON TIME, BUT YOU'LL SPEND 50. bucks on vaping. Go yourself. Everything you've said HAS BEEN A LIE. >> I CAN SEE THAT. NOW. >> 20 bucks in.

You're. And that was to get the vape. And then. you went to Donut Donuts, $18 there. >> I get donuts for the office sometimes. >> Driver's license is actually fair, the. first fair one. >> Yeah, cuz I had to get a change of. address when I got my new apartment. So. yeah, I did have to pay for that. >> really gets that. >> Well, on my license it had my old. address. >> Well, my license has five addresses ago. >> Well, that's If you do If isn't it like. if you get pulled over and that's not up. to date, they can like get you in. trouble? >> me, they have not done anything with. that. Love you, cops. >> Okay.

>> Keep making sure nothing happens. >> I was told that it was important that. like it's actually true. So yeah, I got. my address up to date. >> is the address I moved down here uh 8. years ago. >> Oh, maybe you should update that. >> Okay, loan drawdown. >> Your Tesla will get followed today. >> [laughter]. >> You'll get red-flagged. >> Mostly just transfers on this page. Sending money to other people or getting. money in from some people and sending. money to some people. What are you What. are you doing with that? >> That it was more than likely to my. grandma. >> Why? >> So my grandma My grandma raised me.

Uh we. >> raised me. >> Well, no, no, no, yeah. My grandma. raised me and so whenever I moved out. like I had planned to live with my. grandma my whole life. And so whenever I. left it really. >> Weird. >> Um we were best friends. Like we were. best friends. I loved her to death. But. whenever I had moved, it really hurt. her. Like it was, you know, like baby. bird leaving the nest, whatever. She was. She was happy to see me grow and to see. me go on with my life. But anyway, so. after I left, she really went downhill. Like she went downhill really bad.

>> I want to I tell her all the time cuz. she only gets Social Security. So I tell. her like. >> How old is she? >> Um she was born in '64. So she'll be I. don't know math. She'll be She's in her. 60s. She's like 63, I think. >> I don't know your grandma. Okay. >> Yeah, yeah, yeah. Everyone in my family. is really young. >> Oh, getting more Alani's, too. Then, VTG. >> That's my apartment. That's my. apartment, the red one. >> And then, Scooter's Coffee. That ain't. Well, bleep it. Calm down. Shut the. up. Scooter's Coffee. That ain't your. apartment,

You're doing that will not paying down. your debt. >> I get points. I use my points most of. the time. >> Well, no. This is actually from a. checking account. So, literally, no. >> I get more points when I like. >> Use a checking account? >> Well, I'll scan. It's like you can scan. a QR code. So, if you pay on your phone, you get more points. >> but you're using your Cash App checking. account. Uh. This is so stupid. So, how much you give. your grandma? And what What is it for. again? You said she's going downhill, but what does that mean giving money?

>> whenever I moved, obviously, my whole. life was in Maryland. And so, when I. moved, I had. >> to give her money? >> you. I'm telling you. Let me finish. >> Why do you have to be such a big liar? I hate your big liar. >> So, whenever I moved, I had too much. stuff to take with me. We drove from. Maryland to Texas. I had too much stuff. to take with me. So, my grandma said, "I'll just get a storage unit here. And. then, whenever, you know, you want some. of this stuff, you can come get it.". Cool, whatever. So, and she told me she. was like, "I'll pay for the storage. unit. Don't worry about it. I'll handle. it." So, she kind of went off the.

rocker, and she was going out with her. friends and drinking and doing drugs. And she was living her life. Yes. >> Ramp? >> My grandma. >> She was doing drugs like a couple years. ago. >> Yes. >> What drugs? >> Um she was smoking crack. MY GRANDMA. [screaming]. >> WHAT THE. WHAT THE. >> WAS AT THE BAR. SHE WAS AT THE bar with. some of her friends. And. >> Her grandkid moves out, so she goes and.

just starts smoking crack? >> There were baby steps. There were baby. steps, for sure. Like, SHE. >> HOW DO YOU GET TO THAT? >> IT'S IT'S THE LI- LIKE SO SHE was going. to the bar more often and so she was. meeting bad influences and our small. town our small town in Maryland our. small town in Maryland was like really. bad for It was really bad for p-. And so she fell into the bad crowd. She. like she legitimately fell into a bad. crowd and everyone around her was. smoking and it was cheaper. >> So your grandmother just started smoking.

pot? >> Yes. Yes, at 60 years old and so I told her I. told her I was like, "Girl, you have to". She didn't talk to me for like a year. So she borrowed money. That's crazy. No, so she asked me she text me one day. and she was like, "Hey, can I borrow. some money? I have some parking tickets. I need to pay up or else they're going. to take my license." I said, "Sure, I'll. help you out." and I sent her some money. and she asked for like a hundred and I I. only had 50 at the time. She was like, "That's fine, that should work." She. told me that she went and paid these. tickets and that they let her keep her.

license and then I asked my mom I was. like, "Hey, that's a little shady. Wouldn't they need the full amount?" My. mom was like, "Yeah, they would need the. full amount. They wouldn't let her pay. partial." So I asked my grandma, "Hey, what did you actually do with that. money?" And she like. >> Stop bleeding out money making minimum. payments across multiple high interest. accounts. Most Americans are spending. hundreds, sometimes thousands of dollars. that could be going toward actually. paying down debt instead of aligning. some banks' pockets. And look, if you're. sitting on high interest credit card.

debt, a car loan at 18% or oh my. goodness, a payday loan charging you. triple digit interest rates, you need to. hear this. If you've already cut up the. cards and built better financial habits, but you're still drowning in interest. payments, barely making progress, this. is for you. I have opened my very own. marketplace, a personal loan marketplace. that lets you get personalized offers. from multiple lenders in one place. You. can see if you pre-qualify in minutes.

and it won't impact your credit score. But here's the deal. This isn't a magic. bullet. If you refinance your debt but. keep swiping, you're just making the. problem worse. You still need to fix the. behavior that screwed you in the first. place. But if you're serious about. getting out of debt faster, you could. potentially lower your monthly payment. by securing a single payment at a much. better rate. Check out the link in the. description below to see your. personalized offers or go to. calperry.com and remember, you still got. to do the work. >> Starbucks is bull.

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

see if you like it or 10% off your order. at gamersupps.gg. or click that link in the description. below. Type in code Caleb. >> bust down crying on the phone and she. was like I I, you know, I was doing. drugs. I'm so sorry. I was ashamed of. myself. But because she went downhill. like that, she wasn't paying on the. storage unit with my stuff in it. >> Oh, >> It went to auction three times. >> Oh my goodness, cuz she was smoking.

>> paying on it and she was spending her. money elsewhere. So I had to pay. like $500. each time because I didn't want to lose. my stuff. Like I might degrees are in. there. Like. >> Well, just ship the important things and. get rid of the rest. I don't understand. why you're holding on to so much. but go ahead. >> I mean that's my whole like that's my. everything. But that's my everything. >> No, you're what's wrong with America. It's stuff. Just bring down a couple of. important things. >> I did bring the important stuff. >> Then sell the rest.

>> But that's my. >> No, it's stuff. No, who cares? >> She that she quit? I really do believe it. Like she's quit. smoking. She's quit cigarettes before. Like I really do believe her when she. says she's quit. So I trust sending her. $15, $20. And she gives me the rest. >> That's like my only credit card. That's. my. >> What is it? I don't know what to title. it. What kind of credit card is it? What. company? >> It's through my bank. It's through MY. BANK. >> WHAT BANK DO YOU HAVE? >> AMOCO. >> OKAY.

>> WELL, you asked. You asked what kind of. card is this? It's a credit card. >> What kind of card is it? >> Amoco. It's a cred- [clears throat]. Amoco credit card. >> Oh my Shut the up. $481.52. Yeah, $500 credit limit. No you're. not spending all you spend in A MONTH. YOU CAN'T. YOU CAN'T. YOU CAN'T. 13.65. SHUT THE UP. WHAT'S THAT interest. rate? Minimum monthly payment 15. And you couldn't figure out statements. to save your life. I don't know how you. You don't do anything. >> I tried. >> Yeah, I'm sure. You tried so hard. >> Anytime it would like There wasn't a.

download option. There wasn't There. wasn't a PDF option. >> is lower. So you did spend on this. You lying piece of Are you sure you. don't do. >> I'm sure I don't do. I am sure. All the medicine I take is prescribed by. a doctor. >> We usually do like slo- soft launch it. near you, right? >> What are you talking about? >> Like. We usually like just like. >> No.

>> Have fun, guys. >> No. No. >> So that we can come in there and like. bulldoze housing or something? >> No. It's just No, it's not like that. It's not like that at all. What do you. mean? What do you mean? Like what do you. Are you implying that I have done cr-. >> Well, no, no, no, but you know, like you. know. >> That's kind of stereotypical for a black. person. >> No, no, no, no, no. I was stereotyping. white people here. >> Oh, okay. >> Where we put it in your community. >> Oh, like like gentrification type deal. Like, well, you know, like.

>> What? You think gentrification is cra-. >> No, because like you would have like. slums where like they corral all these. people to make more money and then pump. it with drugs and no grocery stores, but. then. >> I was making a reference to like the. epidemic. >> Yeah, it all goes hand in hand. >> It was a long time ago. >> Mhm. >> The the big thing, the big. >> What was it, 80s? >> Yeah, yeah, in the 80s, yeah, it was. booming. Yeah, it was booming for sure.

>> Your grandma would have been rich. >> Uh I think. >> Or dead. >> [laughter]. >> Oh, man. No, she's still kicking. She's. still kicking. >> With a lot more energy than before, right? >> Yeah, oh, yeah, for sure. >> Locked in all times. >> Mhm. >> Yeah, she is she's running she's running. for sure, but uh. >> That's. >> Yeah, to my knowledge, she said she. stopped, so. Yeah. >> Yeah, you're getting Five Below gas. all on that credit card. >> was for Christmas. Five Below was for. Christmas. >> What did you get from Five Below for. Christmas?

>> they had like these tiny gingerbread. kits. >> Oh, okay. >> for a Christmas party. We had a. competition who could build the cutest. gingerbread house or like You ever see. that game where you get the Saran Wrap. ball and you have to like unwind it and. there's candy in it and stuff like that? I went to Five Below. Oh, okay. Well, yeah, it's a it's a Christmas game. And. so, I went to Five Below to get stuff. for Christmas. >> Five Below. That's the name of it. We. always just call it Five. >> it Five and Below. >> The sign says Five Below. There's no. and.

>> Below or Five and Below? >> I've always called it Five and. >> I've always called it Five Below. >> But the actual name is Five Below cuz. there's a degree symbol. >> I don't know. Okay. >> Anyway. But yeah, I went there cuz I. knew it was cheap. And so, I got my. Christmas stuff there. Stuff for the. Christmas party. >> Okay, so gingerbread house? >> Yeah. >> Okay. >> And then like candy and like little. things for the Christmas party, yeah. >> Are there bars. >> on the windows of the gingerbread house? >> No, one was like a Minecraft house. They. were themed like it was like Oreo theme. and like Minecraft theme little.

gingerbread houses. It was not a jail. >> Was yours. >> It was not. >> Oreo themed? >> I picked the Minecraft theme actually. Little gamer girl, hee hee ha ha. Um I. have been called an Oreo before though, if that's the joke you're making. Um my. mom's white and my dad's black, so yeah, I have been called an Oreo. Please make. a better black joke. >> Your father? >> Not in the picture. That is a. stereotypical black kid. He left. >> Just wanted to confirm. >> No, so yeah, how you said, "Oh, my she's.

really young." My mom also had me really. young. My mom had me when she was 15 and. turned 16 that December. He Oh, a. predator is what he was. >> [laughter]. >> Cuz he was like in his 20s. Um so. my mom met him. He Lore, I guess, more. lore. He was a drug dealer. >> Oh! >> was from New York. He was from New York. He was a drug dealer and my mom would.

drive up and down the East Coast with. stuff in the trunk and she would park. somewhere. People would come up and take. it out and then she would drive away. That's my dad and my mom and that's. their life. Well, they had me. >> You don't have to do stereotypes in in. reality. >> stereoty It is the stereotype. >> It is in the fun to make fun of, but you. it didn't have to be real. >> I know, but it is real, so just saying. it. But it's even funnier to joke about. when it is the real life. Um so he left. when I was 3 months.

>> Yeah, yeah. >> And he. >> Surprised he made it that long. >> He could walk past me on the street and. I wouldn't know. I have no idea what he. looks like. I don't know his name. I. don't know. >> Cuz they all look the same. >> anything. No, they don't. We have. different complexions, different. >> Yes, I was joking, Silly goose, stop it. >> What's your ethnicity? >> What do you think? >> White. >> I would say Greek. You look like you're Greek. >> Yeah, it's cuz the olive skin. I was 25%. Native. The The rest is white. >> Oh, like feather. Native? >> See, that's racist. I can joke, that's. racist. >> Native American, the people that were. here first, not Indians. Native.

>> You know, they prefer Indian. >> Really? >> Yeah, it's the white SJW that. are offended on other people's behalf. >> I had never heard that before. I had. never heard that before. I had never. heard that before. I thought Native. American was the appropriate term. because they were native to this land. >> appropriate term. They call themselves. Indians. >> Okay, well, I didn't know that. >> Yeah. >> Okay. >> Always have. Young women always offended on other. people's behalf that aren't offended in. the first place. >> I'm not offended. >> Classic Americans. Okay, you do $55.

>> That was the. >> Well, you're American, you're not. African. >> I am. Have you ever filled out a form. where it asks what your race is? It's. Caucasian, African American. >> Other black people have told me that's. offensive though. >> It's just the type of I guess that is. true. I guess that is true. >> See, isn't that a little. >> Everyone's American if you're born here. I guess that is. I guess that is. >> But like people used to be like the. blacks. Like they used to like that's. how they would used to say it. So like. just to be called like. >> Well, that Yeah, and I used to say the. N-word, but I don't anymore.

>> Good job. >> did. >> No, okay. I would believe that. >> I've never said it in my life. No, I. never have. >> Really? Congrats. That's awesome. Genuinely, that is awesome. I'm glad. it's not in your vocabulary because. during BLM. >> no, no. I never said it. I think of it. when I jerk off, but I've never said it. >> And that's quite a place to have it. That's quite a place. You think of like. BBC or something like that? Like is that. your type? Is that white? >> BBC? >> You said you think of the N-word when. you jerk off. >> Does that only apply to men? >> You know what BBC stands for? >> Big black. >> Yeah, so you say you think of the. N-word. >> You said you think of the N-word when.

you jerk off. >> apply to women? >> You said you think of the N-word when. you jerk off. >> Are are not N's? >> Yeah. Yeah, I I'm still a Yeah. >> Woah. >> You can Can you not believe that out? You believe everything else out. >> leaving that in. >> Okay, that's fine. I'm black. I can say. it. I'm also gay. I can say the F word if I. wanted to. >> Uh-huh. >> Um. >> Gay dating a man. >> I'm pansexual. >> Pansexual, panracial. >> Do you know. >> [laughter]. >> So, >> And I'm pan. There's only two races. No, that's cap.

>> Oh. That's $50, too. >> That was a pay advance. That was my. first pay actual pay advance. My my. >> Well, why couldn't you just did it? >> My work Yeah, my work it like put a new. feature in our portal where it's like, you know, get your. >> Every. >> paycheck early type deal. But, I did use. that for gas, though. >> What is this? Central Portfolio Control. That's a collection. >> medical debt. >> Oh, what what medical debt for? >> I had went to the emergency room like. literally over 2 years ago, and they had. sent me a bill, and I just never paid.

it. >> Abortion. >> No, I know. I've never had an abortion. No, I've never had a pregnancy scare. Knock on wood. Never had a pregnancy. scare. Never. I've taken a Plan B, for. sure, but like yeah, never never had to. have the the big red button close. >> you on a minimum monthly payment for. this? $932.92, your minimum wouldn't be that brutal. >> You don't have to pay medical debt. You don't have to pay medical debt back. >> Kind of. No, some of the rules have. actually changed in terms of what goes. on collections or not. This might hit. and actually negatively affect your. credit. >> Oh. >> I forgot what the minimum balance.

required is for that, but I think it's. like 500. Like, the Biden administration. did something where it was like, "Yeah, any medical debt over this, it doesn't. it's not in collections." Then, the. Trump administration was like, "No, yes, it is.". >> Oh, okay. I didn't know that. I just. thought you didn't. >> I just thought you didn't have to pay. medical debt. >> it works. It is still like a moral. obligation and whatnot, but. >> Oh, yeah, sure. But, that was like a. very back of the burner thing because. that was my I didn't think I I didn't. think I had to pay it. >> But, you can get on like a Why Why would. you think you don't have to pay? >> Well, sure, you're supposed to. >> there's no consequence. >> I know you're supposed to. Obviously,

it's a bill. You're supposed to pay it. Yes, I understand that, but it was very. back of the burner because I thought. >> Okay, back of the burner. Why not force. you to pay it? >> Minimum monthly payment still would have. been paid. >> Careful. KM Co. Okay, so okay, what is. this? What's it at a 12.8% interest. rate? Balance for. $4,771.4. >> loan I had. taken out. I had taken out a personal. loan back in December. Um and it. originally was a consolidation loan.

>> Um I know. This is what happens every. >> I know. See, but it it it really did. derail because I took it. >> I love consolidation loans, but only if. you change your behavior. >> did have good intentions when I took. that out because it was in December. >> Well, no, no, no. Well, you called me a. >> Don't. You're a liar. >> a liar. >> I didn't say evil. >> Well, I took that loan out cuz I I paid. up. When I took it out, I did pay up my. cash up. I paid up my credit card. I put. extra money towards my car payment. And.

then I had a bunch of money left over. So, yes, it was a good Christmas. A lot. of it did go towards Christmas. But But. at the end of the month No, but listen, at the end of the month that was in. December and me and my ex broke up on. New Year's. So, whatever I used the rest. of that money towards my apartment. >> I used the rest of the money towards my. apartment. >> Listen, if you change your behavior, I'll let you get a better interest rate. personal loan cuz we have a loan person. lower interest rate personal loan. marketplace on CalebHammer.com now, but. it's only for people who change their. behavior. So, if you do, you can.

probably get one at a lower interest. rate than that. >> That was my intention to DO THAT. >> BUT NOT WITHOUT CHANGING YOUR BEHAVIOR. >> OKAY. >> Cuz that is really good out there. It is a helpful tool, but only if you. change your behavior for a couple. months. >> Yes. >> So, minimum monthly payment of $123. >> the intentions, but. >> 13% interest rate. You had an intention, but you it, okay? I don't care. >> I didn't plan on us breaking up. I. didn't think I was GOING TO HAVE. >> [screaming]. >> TWO RETURN FEES THIS YEAR SO FAR. >> ON WHAT? >> Your personal loan. As in when a minimum of the payment was.

required, it did not make it through for. like a couple months into this year. >> I manually paid that out. >> do it when you don't have enough money. in the checking account to pay by the. time it hits. You've had two returned. fees. >> Not a fee. >> Yes, it's literally right here. Here you. go, dummy. >> Dummy. No, I paid that manually, so I didn't. know that it was returned. >> It's right there. It's literally in your. account, so I don't know what to tell. you. >> I never saw it go back into my checking. >> It wouldn't. What? No, you wrong. When.

that loan, the personal loan, was due, or you manually paid it, when that tried. to draw, >> Yeah. >> there was not enough money in your. checking account, so it would apply the. fee. >> Oh, okay, that makes sense. >> Twice this year so far, 4 months in. So, half the months. So, 6 months this year. is the trend you're on. Yeah, you're you're better than other. guests. Thank you. >> $316. What do you owe this for? No. This is a balance of $6,712.69. >> That's my car.

>> What's your car? >> a 2015 Chevy Equinox. >> Oh. >> And it's. >> Really hoping for a Nissan Altima. >> No, no. I'm That's like for Latinas. That's like what all Mexicans drive. >> [laughter]. >> No, uh-huh. >> It is. >> [clears throat]. >> Um no, uh I have a mom car, Chevy. Equinox. Uh. it is just under 130,000. >> You're just shafted the worst. >> Well, I don't know. Well, listen, I I. don't know. But, the interest rate at. 5.24 it's not the absolute worst, and we.

didn't get a VIN number from you, so we. haven't been able to check it. >> on my. uh my insurance card. I sent my car. insurance. I had my It had my VIN. >> Yeah, yeah, I don't know, but we didn't. get that. It is a 72-month loan, which. is not good. And the minimum monthly. payment for your income is stacking. $316.65. >> Yeah, I usually pay 330 when I make my. car payment. >> That doesn't really do anything, and it. also makes no sense when we have credit. cards and So, uh uh just like. stop. Okay, we have another Oh, these are. student loans. What was your degree?

>> I went for secondary education. I was. going to be a high school teacher. >> Why aren't you? >> I had dropped out during COVID because. online learning just was not for me. I. couldn't retain. >> was a long time ago. So, >> Yeah, I couldn't retain online learning. So, I. >> Well, COVID was a long time ago. >> So, I started a full-time job and I have. I've had a full-time job since then. So, I just never had time to go back to. school. >> teacher. >> Uh I don't know. Teachers almost their. whole paycheck goes to their classroom. They pay it They have Teachers have to. pay for their own classroom. Like.

decorations and all that. >> their entire paycheck goes to their full. time job. >> is struggling right now. >> Depends where. What are you talking. about? It's actually getting more. funding than ever. In fact, the highest. funded state in the country is New. Mexico, which has one of the lowest. standards in the country. >> So, I'm supposed to go over to New. Mexico and teach? >> saying the amount of money doesn't. necessarily affect outcomes. And to say. the vast majority of a teacher's. paycheck goes to the classroom, that is. not true. Everyone wants teachers to be. paid well, but they Many times other. than few select states, yes. In few.

select states, yes. Teachers actually. make a pretty decent income a few years. in. >> burnt out though. Like my best friend. almost had a kid teacher. >> That's everything. >> sizes are There's too many kids per. teacher. >> certainly experience that in Texas. That. is also state dependent and school. district dependent. But yes, sure. >> Sure, yeah. It's just not a field that I. want to be in anymore. >> Okay, well, there you go. That's a. better answer than making. excuses. What's your minimum payment on. your student loans? >> Um oh god, I don't know. >> It's not bad at all. >> Yeah.

Uh. >> not bad. So, you're at 2035.25. >> Yeah, that was very back in the day. >> Listen, I'm very pro teachers. >> Bro. >> I mean, sometimes the union the system. advocates for that more than it does the. students. But besides that, I want. really good education. But to just so. just So, the don't cope. >> Okay. >> Oh. Yeah, checking account ended negative. $35.15. So, that's great. Started with a dollar. >> It It. >> You're wonderful. And all for McDonald's.

and Apple bill. And taking tolls, which you do not need. to. Zap. >> When I don't take tolls, it is. ridiculous. >> tolls, you overdraft. Shut up, >> ridiculous about tolls. >> Cash app, putting money over there. Afterpay, I didn't even see that. Hopefully you paid that off cuz I don't. even have that in my account. >> Afterpay is paid off. >> Smoking Mirrors, that certainly isn't. paid off. Vape City, that's not paid. off. So far, we're up to now $75, actually more than that, almost $80 for. vaping in a month. More tolls. Can't. afford it, you're overdrafted. Shut up.

Hallmark. Golf. >> Those were birthday gifts. >> overdrawing, you're not getting. Hallmark. This is No, you're just not. Going against some going. against some Apple Cash set, more tolls while you're overdrawing. McDonald's, Cash set money, Foggy Dude. Apple. DoorDash, you're literally. DoorDashing Jack in the Box. >> leave work. I can't leave work to. >> Pack a Sandwich, you're a woman. Shut. up. >> I That's not my job to be in the. kitchen. >> Your job is to actually take care of.

yourself though, yes? >> Sure, yeah. >> can't afford this, you're overdrawing. Yeah, you're DoorDashing. You don't deserve that. You do not. deserve that. You are not entitled to. anything. off. >> But I'm ALREADY AT WORK. I CAN'T. >> [screaming]. >> LEAVE. I CAN'T LEAVE WHEN I'M AT WORK. >> SHUT UP. YEAH, SO YOU YOU prepare food. I don't understand that. You use a meal. plan. You dumped it. What is wrong with. you? You You suck at credit. >> to eat. What am I supposed to do? Starve? >> is no longer an option going forward. It. was in the past, it's not going forward. cuz you will always bring food. >> Okay, yeah. >> Even I bring food to work now, and I'm. rich.

>> Great. >> You can too, is what I mean. >> Okay, I'll start making sandwiches. I'll. start making sandwiches and a brown. paper bag lunch. Yep. >> Iguana's something, $42. >> It's a Mexican It's a Mexican. restaurant. >> Great, you can't afford it. It's $42. What are you talking about? It's all. your ex's fault. off, victim. Yeah, we're going to call him in the post. show. I don't care what you. Vape City, O M T, Hong Kong Food, $100. Hong Kong Food, Vape City, that was that. was 47. We're $125,000 on Vape City a. month now. Sonic, zoning out, zoning. out.

Center Court, Apple Villa, Apple Villa, Apple Villa cheese, Microsoft Polo Purple Phone, more tolls. POLO PURPLE. PHONE. SHUT UP. I'LL do it myself, you. dumb tit. >> Oh my god. >> Wendy's, Ulta, Duncan. Duncan Donuts, my gosh. More and more. tolls. You're you're you are a broken. individual. >> Dude, your overdraft is ridiculous. >> Without tolls, without tolls, you're at. least affording to drive. Cuz you can't afford you can't afford. man. >> so long to pay tolls. >> Shut up. You just say the same thing.

over again, like that all of a sudden. justifies it, like it didn't before. >> They're a necessity. >> No, they're actually not. In Texas, they're not. In some states, they. absolutely are. In the Texas, they're. convenient. They're very convenient. They're good. I want you to take them. You can't afford them, so shut up. Okay, this is Apple Music, and I call Apple. Support. I don't know what your Apple. cash and must be in-app purchases and. stuff. >> Yeah, um I play a lot of Monopoly Go. >> Did you guys just hear that? She just said she plays a lot of. Monopoly Go. When we were on the phone. with your boyfriend, you said you. haven't played it in 2 years.

>> That was Pokémon Go. That was Pokémon. Go. >> Monopoly Monopoly Go is the thing that. popped up. >> Oh, yeah, Monopoly Go, I play that. >> a disgusting creature. >> I play that. >> You spent hundreds on it while you're. overdrafting. You need to just You're. you're like you're Go yourself. >> They had a Hello Kitty car for me. >> shut up. Shut up. Die. In Minecraft. >> [laughter]. >> In Pokémon Go. >> No, Pokémon Go is is dead, for sure. >> Tap payments, 4. 70 24. What's your rent? >> My rent is 680.

>> What's your utilities, including. internet, gas, electric, all that stuff? >> Um gas, water, all that is included in. rent. I only pay electric. My electric. is like $70. >> said 680 or 618? >> 680. >> Okay. Phone bill? >> Uh, my phone and internet are bundled. right now and uh, like 70, but after a. year it's going to be 100. >> Okay, switch to Helium, 15 bucks a line. It's great cuz T-Mobile has great. service there. So, it uses the same. towers. Gas, vroom vroom, drive drive. I. don't care. Vroom vroom, drive drive.

How much? >> Gas, um, oh my god, with gas prices on. the rise, I usually fill up every 2. weeks and the last time I filled up. because of prices it was like. >> Well, it varies cuz of the price, but. the last time. the last time I filled up it was like 60. bucks. But normally. >> up? >> normally it's like 40. >> How much do I average put in for a. month, dude? >> Do 100. >> Oh my gosh, thank you. Car insurance? >> My car insurance is like 155. >> Okay, I'll get you a Course Career. certification, by the way, cuz many. people in the audience have converted. those into six-figure jobs. I need you.

to as well. There's lots of. certifications, so you choose what you. want to do and you don't make so much. more money. You need to make more money, though. >> You You can do this for the rest of your. life. There's a lot of people who do it. >> a certification and then you use it in. your job to get a better paying. promotion cuz people use them for that. as well, not just finding new jobs. Groceries, $300. Use the meal plan, multiple cooking throughout the week and. your meal prep meal prep meal prep. You. get the digital version of the cookbook. as well, just like everyone with the. Dollar Wise annual version. TP fund and. everything else you need including. tampons, $150 bucks. Makeup, blah blah.

blah, all that good stuff. >> Okay. >> You could use it. >> I have some on, actually. >> You've got it. >> How? >> No, I'm fine. You No, I'm kidding. You. look fine. >> Thank you. >> Uh, medical health care, co-pays, things. like that. Yeah, you look fine. I mean, you're literally cutting your eyebrows. It's weird. >> Fashion, come on. >> Fashion. Medical health care, co-pays, anything I. want to talk about. >> my eyebrow slits when the girl came on. looking like a clown. >> Yeah, she was ugly. Anything you're. looking for minimum monthly medical. medical payments. Come on. >> Um, my work covers. >> So, nothing nothing? Is there are there.

co-pays? Medic- medication? >> my insurance does cover that. >> Okay, there you go. >> Insurance gets taken out automatically. I have an aquarium super low. maintenance. Yeah, super low. maintenance. >> Um, instructions are $40. >> of your aquarium. That poor fish in. there. >> Hey, he's happy. He's been living. forever. >> no filter, no heater. That. >> a filter. >> There is a filter in there? >> the guppy, does not need a heater for. the temperature we keep it in this. building. >> Okay. Surviving somehow. >> kill him. You can treat it better though. Plants. would look nice, but like we don't we we.

do it right. >> half empty. >> Yes, but we do it right. >> Okay. >> I know how to take care of it. A guppy. is the easiest fish in the world. >> And they're also really dirty. >> Filter in the back. Well, it's not dirty. there cuz there's a filter. Okay, so you only. >> I also have an aquarium. I know how to. take care of [music]. >> Freshwater or saltwater? >> Fresh. >> What's in it? >> Uh, African dwarf frogs. >> Okay, so you do frogs. I don't want to. hear your fish talk. >> I have corydoras, I have snails,

um, shrimp. >> Shrimp? >> Yeah, I have shrimp. >> anything. They'll survive anything with. shrimp in there. >> Yeah. The shrimp are like the clean-up crew. >> And minus senior student loans of 2,035. cuz you'll do minimum monthly payment. until it's paid off. You have bad debt. of $13,551. With your extra $431.54. on a monthly basis, that brings it to 31. months, which honestly is not the. [music] worst. It's literally a. temporary sacrifice and you're debt-free. in 2 and 1/2 years, fully funded by.

2023, and then you're done. Yeah, if you do it, that's the thing. Well, we're going to call the ex in the post. show. No matter what you think, I don't. give a And I'm also going to see. if your boyfriend has texted you. Let's. find out. But, that'll be I'll be. getting in the post show. Let's get your. Hamper financial score first. You get. yours at killhamper.com. Spending in a. budget, oh, you overspend 0 out of 10. Debt, collections 0 out of 10 with that. medical. Emergency fund, nothing in. savings 0 out of 10. Retirement, I. didn't get it, so 0 out of 10. Doesn't. own real estate 0 out of 10. You. answered your questions incorrectly. It's 0 out of 10 is your Hammer.

Financial score. Click the join button. to get three premium shows posted every. single day, 6 days a week, including an. extra 20 minutes of this episode called. the Financial Audit post-show. I'll see. you there. Join Hammer Elite. Bye. >> Hello. Where the party is? Hammer Media. called me with some. >> I'm doing financial audit. >> talking about me on the internet. >> I have an exclusive offer just for you. But there's only 1 week left to. purchase. You'll get lifetime access. [music] to the entire Hammer Elite.

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