I've Never Seen This Before | Financial Audit

I wanted to come on here because like I. said, I feel like you've had a lot of. live-the-hearted trans people on here. >> I still don't know what that means. >> Like lived out. >> We have people leftwing on the show. We. have people rightwing on the show. >> I thought maybe you might be one as. well. >> Why am I lied? >> Just the people that you have on here. >> Oh my goodness. You have an only. >> That has nothing to do with me working. with kids during the day. >> I put them through training boot camp. essentially. I'm also sure the parents. of the school loves that you have a boot.

camp. >> Something big is coming. Something. that's going to change personal finance. forever. And the first 500 members get. to lead the charge. Go to dollarwise.com. [music]. to change the future. >> Hi, I'm Vixen. I'm 32 years old. I'm. from Minneapolis, Minnesota. And this is. Financial Audit. >> Okay. I have to ask a couple questions. just so I'm being respectful. One,

are you. born a woman? >> No. >> Really? >> Yeah. >> I hit it. >> Well, I guess that's actually not that. complicated, is it? >> Not you clocking tea right away. >> Well, fake tits and masculine features. >> Who would have thought? Not me. >> Good. I just want to make sure I'm being. respectful. >> I paid a lot for you to not see that. though. >> You're on the sheet. Well, yeah. But.

>> that never really works. But that's. okay. >> People know. >> Um, but that's okay. Doesn't mean I. don't respect uh, you know, whatever you. want to do. So, are you she her? You you. specifically requested not to do. pronouns at the beginning. >> Yes. >> Okay. And I can do that. >> I've been called they them before. >> Okay. That was very upsetting. >> Yeah. Oh, based on what you just did. with. >> and you are naturally white. >> Yes. >> Okay. Cuz I see like lots of dark tones.

that I feel like you were trying to hide. on your face. Like there's some black. here and here. >> Yeah. Contouring. I didn't blend well. enough. >> Okay. I thought maybe you were pulling. like a white chicks situation. >> I'm naturally white. Norwegian. >> Okay, that's good. Norwegian trans. We. love them. [laughter]. >> That's everyone's favorite kind of. trans. I mean, you've had a lot of. interesting trans on here. >> Oh, yeah. Okay. >> You've had a lot of lived out trans on. here. >> Switching sides. [music]. >> Libd out trans.

>> Libarted trans. Yeah. >> Livetarted. What does that even mean? >> I don't know. I was thinking that you. kind of had a thing for livearted trans. >> I don't think I've I mean I I don't hate. trans people, but I also don't think. I've ever had sex with a trans people. >> Never know. Oh no. >> Well, I mean once you get down there, you kind of know, but. >> sometimes sometimes not though. >> Okay, then pause. Can I ask the. question? >> You may ask the question.

>> Is it there? Does it dangle? >> Nope. >> Really? >> Yeah. >> Oh my goodness. How much does this cost? >> Well, thankfully. I got it covered by insurance. >> Insurance? >> Yes, insurance. >> Okay. A lot of people are going to be. upset that they've contributed to the. pile that makes their premiums more. expensive for that, but. I don't really care what people do. genuinely. Generally, so. >> I wanted to come on here because like I. said, I feel like you've had a lot of.

live-the-arted trans people on here. I. >> still don't know what that means. >> Like lived out like super left. >> We have people leftwing on the show. We. have people rightwing on the show. >> I thought maybe you might be one as. well. Like a libtard. Why do you even think that? Like I don't. even care if someone does, but. >> I don't know. I've watched a lot of your. a lot of your shows. >> No, every time I take a political. compass test, I'm pretty much in the. middle. I'll take left-wing positions. when the facts are there. I'll take. right-wing positions when the facts are.

there. That doesn't mean I sit in the. middle on every issue. It means I start. from the middle and then go where the. facts are. I don't really give a [ __ ]. where it comes from. Why am I liard? >> Just the people they have on here. We. just accept who applies on the show. >> So, I'm guessing you are not liard. because that's very important to you. >> Identity politics critical to you making. it through your life, I guess. >> Yeah. Oh, yeah. Definitely. Especially. in this world. >> You're trans, you know that, right? >> Exactly. >> Okay. >> A lot of people, >> do you think you should play in women's.

sports? >> No. >> Okay. >> I don't think that's fair. >> You're a controversial one, aren't you? >> Yes. >> You're all over the place. >> All over the place. >> How did you get there? >> How did I get where? It's rare to get a. right-wing trans. >> I wouldn't call myself right-wing. >> Okay. You immediately called me a. libtart. It's hard to not think you are. >> I know, but I would I don't agree with. everything the right way going. >> Okay. Just confusion out of the Okay. >> I know. I'm an interesting one. >> What do you do for a living? How about.

let's start there. >> What do you think I do for a living? >> I already know what you do for a living. cuz you told me before, dumbass. >> Oh, stupid. I can actually use that word. correctly right now. >> True. >> Or someone say incorrectly, but I don't. care. >> So, >> there's a lot worse things you can call. me, too. >> I'm not using the f word. You're not. going to get me to use it. I'm not going. to use it. I'm not going to use it. >> You're not going to get me to use it, Colton. There's another one. >> I'm not going to say it. >> There there's another one.

>> Yeah, that one. >> Oh, is that the one? >> Yeah. >> I use it all the time. >> Okay. I assume you use the N word as. well. No, not really. >> No, >> I've been accused of it. But. >> who accuses people of using the N word? >> People People that don't like. >> without actually hearing you say the N. word. >> Yeah. No, >> I mean, you do look like a Fox News host. with a with a with a jawline. >> With a jawline. [laughter]. >> Yeah. >> Thank you. Thank you.

>> Right. >> I I'm planning more surgery. So, >> how Okay. How much has this all cost? >> Well, >> because this is financial audit, >> right? And it's it is it is mostly. covered by insurance. So, >> but what Okay. What what have you spent. on it dollar-wise? >> Nice. >> Very budget. >> I was just gonna say, >> okay. All right. Calm down. Calm. [laughter] down. Calm down. How much. does it cost you? >> Uh [sighs] upwards. >> The some of the other people are coming. in late. Brandon, Lindsay, they watch so. they can do the pro show. Post show. Brandon, we have a. [snorts].

>> Oh, he knows. >> I love it. We love it. >> I waved them in before I came in here. He's like, "Who is this person?". >> Okay. So, how much does this cost you? >> Um, [gasps]. >> you're affirming surgeries. >> Yeah. Well, what have I had to pay or. what is it like? >> Oh my goodness. Yes. Your money. What. have you spent? Cuz I know you don't. make much money even though you haven't. told us what you do yet. It's kind of. annoying, but I know what you do. I. assume it doesn't make that much, but. please, how much have you spent, please? >> It's like I'm very thankful. I've been.

like five to seven. >> Okay. over the course of. >> like. >> over the course of how long? >> Uh 6 years. >> Okay. And how [snorts] much is the rest. of your your surgeries, gender. affirming, going to cost? >> Um. >> you know, she doesn't have a penis. >> It's impressive. >> Thank you. >> Sorry. I just I like to share these. things with Brandon. He didn't get to. experience the first five minutes of. this mind-blowing conversation. >> That's fine. >> Yeah. How? So, how much?

>> Don't you just leak urine? Isn't that. the issue though? I heard like I've. heard of that. >> is something that happens. Yeah. >> See, you you gave a face like Well, that's. >> Well, that's not my experience, but it. has. >> Oh, it happens to. >> It happens to people that don't go to. the right people. >> Okay. So, what do you do? >> Um I am a uh manager at a coffee shop. >> Okay, we got there. >> Yeah. >> Good. Very good. And how much do you. make, Vixen? Um about 800 a week.

>> That was that your net? Is that what's. your account? Yep. >> I have another one coming in. Lindsay, do you know she does not have a penis? >> I did know that. >> That's impressive. How do you know these. things? >> You're not even the producer assigned to. this episode. >> Well, because I'm obsessed with her. So, >> Oh, we got lots of big fans in the. office. Okay. So, is it 800 net? >> Yes. >> Okay. Times 52. So, $41,600. a year to be the manager. >> Did you say $41,000?

>> Is it $800 a week? You said. >> Yeah. >> What did you What did you put in. >> times 52? Cuz there's 52 weeks a year. 41,600. net. >> No. >> Net. >> That's net. >> Yeah. I thought it was something like 50. >> Is that before taxes? >> No, that's after. I thought it was like 800 800. >> Do you know how much hits? >> I thought so. >> Wait, do you not actually know what hits. your account?

>> Yeah, that was like 850 or 800. >> You thought? >> Yeah, >> but you actually don't know. >> Well, when I look when I look, No, it's. salary. >> Okay, then this should be pretty. consistent. The payroll that came in. last month should be the number, right? >> Should be. >> It was 4,973. >> Yeah. And that brings us to the sponsor of. today's video, Free Cash. Free Cash is a. platform where you can make real money. on the side by testing apps and games.

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whole subculture online about that. >> No. What? >> That trans become stupid after getting. rid of penis. >> Yeah, I don't like testosterone levels. or something. >> I don't know about getting rid of the. penis after. >> Well, I don't know. After what? >> After you trans. >> Is this real? >> People. >> I don't know what's real in me. People. claim that all the hormones changes like. your biology and your chemistry and. stuff like that. >> Well, yeah. I mean, you're doing. something unnatural, >> right? But it doesn't change that much.

besides physical features. >> But you just said hormones and stuff. I. think get does getting rid of your balls. doesn't change much hormonal wise. >> Well, it stops you stop producing as. much testosterone. >> Well, that's Yeah. Yeah. And aren't you. doing estrogen? >> Yeah. >> Well, are these not hormonal changes? Yeah, but it's not changing like the. like the biochemical what makeup of your. DNA, which is what people say. They call. a trans women biological women, which is. not true. >> Correct.

>> This is your excuse for not knowing how. much you make. >> No, no, that's just a genuine like I was. shocked. I was like 800 a week. >> Oh my goodness. Colton said you went on. a full rant of a laundry list of reasons. you don't even like the trans community. What are you? Yes. >> You're such a confusing beast, aren't. you? >> Yes. >> What the [ __ ] is Huh? >> Beast. Definitely. >> Yeah. >> Yeah. >> What is wrong with you? Why? Why? Why? Why did you go fully down this rabbit. hole and you hate everyone around you. that's in your community? >> I don't know if I like hate them. I just.

don't agree with it. >> What? Don't agree with what? >> I don't like I don't agree with what the. trans community is putting out there. >> And I asked what? Oh my goodness. You. have gone. I don't know how this. happened. What is wrong with you? You. are not smart. Please. What? >> I'm just I'm just saying like I I. believe that it's okay that trans women. >> are biological men and it's okay to say. that. >> I think everyone agrees with me. >> No, they don't. >> Biological. >> They don't. No.

>> Okay. Well, I'm okay. People can do. whatever they want. It doesn't change. biology. I don't care. >> I know. Exactly. And then we have And. then we have people saying that these. young kids know that they're trans at a. young age. It's like, no. That's like 1%. of the population that's actually even. like acting on that [ __ ] Like it's like. >> but it but it gets blown out of. proportion. >> It certainly does. Welcome to winning. elections. But. >> I mean that's what Okay. So that's your. whole freak out. >> Well, no. I just I have values on why I. don't believe that's a thing.

>> Do you watch Fox News? >> No, I don't. >> Who do you watch? >> I don't really watch news. >> Where are you getting things from? >> Lived experience. >> No. Come on. you have opinions and some. usually it's hard to get into an opinion. without at least knowing it exists. somewhere and you come on. >> I mean I have friends on both sides. >> okay. >> I have friends that are very lived out. and I have friends that are more. rightwing okay but the way you talk. about it lived out and right-wing. clearly makes you look less upon the.

left meaning you are right-wing. regardless of what you say. >> I mean I consider myself more. libertarian If you are. >> I consider myself a libertarian. >> Okay. Libertarian. So you can do. whatever you want. >> Yeah. >> Including your children. >> Well, I guess. >> obviously you can do whatever you want. People are adults. I don't know about. kids. >> Children. >> Yeah. >> If we're going full libertarian. >> Before I was I worked as a manager. though. I was elementary teacher.

>> Well, in Minneapolis. >> Actually, I wasn't in Minneapolis at. that time. >> Oh, I was going to say they wouldn't. care, but I could just see that being. hyper controversial. Where were you? >> I was in a red state, Fargo, North. Dakota. >> And what did they think of that? >> They have a problem with it. >> Is it cuz you're halfway convincing? >> Thank you. Um. >> halfway. >> I know. I'll take half. >> She's getting there. She's spending. more. >> They [laughter]. I never They have a problem with it. because I just did my job. >> Okay. Okay. Well, you know, maybe things. are blown over the top online. Who would.

have thought? >> Well, they are. That's what I'm saying. Exactly. Usually when people see trans. or hippot trans, you they have some kind. of trans women are women and these minor. should be. >> Are you a woman? >> No, I'm a trans woman. >> Well, so it's like a new breed. >> Sure, that works. >> Wow, man. >> Damn. >> I don't love the idea of saying trans. women are men, but it's like. biologically. >> Well, biological, but gender. Don't they. separate gender and biological? all the.

time identify. Yeah. >> Well, look what you've done. You've done. something like you can't you're not. identifying. >> I know. Well, yeah, I guess. But I don't. I don't go around saying I identify as a. woman. >> Very conflicting just on your existence. >> I know. >> Okay. But you were forced to leave your. job as a teacher. So obviously they had. some kind of issues. What? >> So on my social media I post some more. spicy content.

>> Spicy. But they're all fake anyway. >> Mhm. >> So what is there even spicy about it? Things that don't exist. Your boobs. aren't real. >> The parents. >> Your vagina's not real. >> The parents did. >> I guess if you post a butthole, those. are pretty gender neutral, >> which I can't do. >> Oh, then what's the point? >> The parents are not like. >> I mean, look at you. Your tits out right. now. And I'm not even looking. You know. why? Cuz they're fake. Why even look at. that point? >> It's fair. >> Yeah, >> but parents would find my stuff. Well, are you posting X-rated stuff?

>> No. >> How risque. >> Just like. >> Okay, show us. >> lingerie. >> Show us. >> lingerie photos. >> Let's see. See if this was a justified. firing. >> I didn't get fired from I left it. >> Uh yeah, forced to leave your job is. kind of what I got. This is your risque a. >> Yep. >> I mean, this is the kind of content that. people post when they're trying to sell. OAF. >> True. So, it kind of makes sense, right? I don't think I would want my teacher.

doing that. >> But how are they finding me? >> Well, they looked you up. >> cuz you're the teacher, >> right? But it wasn't It's not the same. name. >> One person found it and then they shared. it within. >> I know, but like why are you That's my. private business. That has nothing to do. with me working with kids during the. day. >> Yeah. I mean I mean this kind of makes. sense, right? I would understand why. they would kind of want you out of. there, right? Especially in a more. conservative state. No, no, >> no. I I I disagree. >> When was the last time you were like.

appearance of a guy? >> Can I see it? >> You You didn't see it. >> of a guy. You being a guy? >> Yeah. >> No, show me. >> You just went through the pictures. >> I wasn't looking intently. I was just. like, >> you know, seeing that like I think it. was relatively fair. >> Oh my goodness. What the [laughter] That. is crazy. Make sure we put that on. screen right now. What the. >> Yeah, >> that is crazy. Are you doing anything to.

your voice or is that natural? >> Um, well, I mean, this is how I talk. now. >> Yeah, but are you doing something. intentional or is that just how it is? >> This is how I This is how I talk now. So, as like I said, I was an educator. A. music educator I should say. >> Really? What were you teaching music? >> What? Where? >> What? What kind of music? >> Oh, elementary. Elementary music. educator. >> Okay. >> I know. Sorry. But I was also a voice. >> So, not a real job. Oh, there's a room. >> I was also a voice teacher, so I. understand how the vocal mechanism. works. So, I was able to train my voice.

to sound like this now. >> So, how you doing? 5,000 hours a month. >> By the way, thank you. That's a. compliment. >> What? >> About my voice? >> Well, yeah. I mean, you're imitating. like a biological woman. >> Yeah. >> So, I thought, you know, maybe you were. doing something, but. >> No, no surgery, though. No surgery on. that. >> That's the surgery you can do. >> Yeah. >> Oh my gosh. Vocal feminiz VFS they call. it. Highly against that. It's extremely. dangerous. Well, then yeah, probably. shouldn't do that. Yeah. Okay. This. episode is not about trends. That's why. what you think. However, it just Okay, rabbit holes. Listen, you thought you.

made $3,400 a month, but you make $4,900. a month. How the were you so wrong? How. can you pay bills? How can you even pay. bills if you're off by that much? >> I put everything on my Apple Card and. then pay it off at the end of the week. >> The end of the week? >> Yep. >> But that's not No. If you think you make. $1,500 less than you make, how are you. even surviving? How are you budgeting? How are you. existing? [gasps]. >> How are you doing anything whatsoever?

>> I mean, like I said, >> okay, what was your outflow? I have your. inflow is 5,000. What was your outflow? >> Oh gosh. Um, just this last month. >> Yes. >> Well, this was Christmas. poof. 2500. What the is wrong with you? It was. $9,37. How can you be that [clears throat]. wildly off? What are you talking about? What is wrong with you?

>> Um I don't know. I thought I thought I. understood it. See, this is what people. say. This is why you're here. This is. why I'm here. Sure, but I need to know a. little bit about where you're coming. from, how your life is now, how your. mentality is now, or else we can't fix. anything. How the were you that far off? In your own assessment, what do you. think? Going back to last month, you're. looking, you thought it was 20,000. something. How? How? How? How were you. there? >> Just cuz I was thinking about Christmas. gifts. >> So, you thought it was only 2,000. Your.

entire spending for everything. What's. your rent? >> So, rent is altogether 1650. >> So, how the do you think you only spent. 2,000? You think everything else in your. life was only $400 more, $500, $600. more? >> Sure. Sure. Okay, I got you. >> Oh, >> I was not. Sorry. I wasn't following. that question. >> Was not following. >> Broken. Okay. >> So, I spent $9,000 last month. >> Mhm. >> Oh my god. >> Yes, I agree. That's crazy. What's.

crazier is that you think you only spent. $500 more than your rent for all of your. expenses combined outside of that, including any kind of fun you did, healthc care that you do, co-pays, trips, gas, food, electricity, internet, gas for driving. >> All of the electricity, internet, all of. that is bundled in with money. >> Okay. But the fact is, you thought you. only spent $400 more than your rent. What the are you talking about? What.

does it look like right now the way you. do your finances? Please. >> Well, since I started watching your. show, I downloaded the Dollar Wise. budgeting app. >> Yes, it's a good start. So, tell me, what are you doing? What does things. look like? You're clearly not using it. if you thought you only spent $2,500. last month. What the are you talking. about? >> You're right. Um, like I said, I am just. paying everything off my Apple card at. the end. >> Is that it? That's what your entire life.

looks like. That's define your entire. financial life. I pay off my Apple card. That's it. Nothing else exists. You. can't tell me a single thing outside of. that. >> What is wrong with you? How can you not. You know, you're on a podcast, right? Yes. How can Can you tell me what the is. going on? There has to be more in your. life other than you pay on a credit card. and that uhoh, I got tits. Congratulations. Can only take you so. far in life. >> But I like them. Close.

Not perfect. Almost there. >> Good. Well done. >> But you don't like them? >> I don't care. One, they're fake. And two, >> and. >> huh. >> and. >> I just I wouldn't do it because it's.

hard when doesn't get naturally wet and. also does it look. >> my boobs doesn't. >> Well, it's like Yeah, but if if I'm. interested in the boobs another way, it. means we're going in other directions. So, it's like, do I want to go to the. full package? Probably not. So, I mean, is this, you know, >> do you know? >> Huh? >> Do you have you do you even know? >> Does your vagina get naturally wet? >> Yes, it does. >> No. >> Yep. >> How? Because it I did a surgery that um. a different kind of like procedure. It's. called. >> Oh, what?

>> Like a vagina. >> Huh? Does it look like a vagina? >> I think so. >> All the roast beef and folds and. everything. >> and it's the same feeling. Has everyone. said it feels the same? >> I haven't had any complaints. >> Okay. Yeah, but does do they say it. feels the same? >> I guess. Yeah. I mean, I don't. >> Wow, this is crazy. >> No, that's impressive. Congratulations. Congratulations. Okay, >> I'm trying to think. >> Then then then you're right.

>> My logic was flawed. I only don't like. them because they're fake. >> Fair. But there's different like. procedures that you can get like how you. can get it like you can get it with no. depth whatsoever and more like aesthetic. from the outside instead of depth with. it. >> Okay. Okay. Well, stop taking me down. the trans hole. You are more than that. That cannot be the most the only. interesting thing in your life. >> No, I appreciate you saying that. >> Exactly. Yet you are not able to give me. anything beyond that. The the moment. something transreated comes up, you're.

able to talk like crazy. But I ask. anything about your finances, just say I. pay off my Apple card. Give me. something. I need to know what your life. looks like. Dude, >> it's because. >> check. >> it. You can say whatever. >> Dude is gender neutral in my. >> Yeah, I know. So is bro. It's fine. Especially at this point. Especially at. this point. >> Uh-huh. Go on. I was really thrown off. by the finances thing. I thought I made. more than that. >> What? That you made more? No, you told. me you made less. >> Well, no. That's was I. >> You do make more than you said. >> Yeah, I was. >> Do you not know that yet? >> I was just going by. >> I have clarified that you do make about.

$1,500 more than you thought. Are you Is. there Are you Have you not caught up to. that yet? >> I caught I'm caught up. Yeah. >> Are you sure? >> Mhm. >> Oh, how do I get through this? Okay. Well, so why'd you go to Minneapolis? That's where I was born. >> Okay. >> So, born and raised Minneapolis, moved up to Fargo for college and then. >> Okay. Why don't you open like a trans. daycare or something? >> A trans daycare?

>> You'll make an infinite amount of money. and no one in Minnesota will look into. you. >> Well, now we're in Minnesota. Yeah. Good. Yeah, that's fair. >> Were you not able to follow along on. that either? Oh my goodness. I know. that's happening right now. >> I said it's fair. >> Yeah. 30 seconds later. >> I'm also white. Not trans. [clears throat] It counts. >> Yeah. >> Yeah. Dude, you're like a superior class. now. I don't know about superior. >> in Minnesota. >> Yeah, it's fair. It's blue, but. >> it's not just Okay. Oh my gosh. I swear. you are. Oh, you are. How do people have.

conversations with you? >> It's a good question. I'm very controversial in a lot of. things. >> I don't think so. Cuz you're not able to. speak. >> You don't think so? >> No, >> you are not conversational. Well, you're. impossible to have a conversation with. >> Besides the budgeting thing, I've been. an like answering your questions. >> This is financial audit. I need a little. bit on the money. >> I know. I know. >> You got to give me some some information. >> so I can go into these numbers with any. kind of knowledge, >> right? But this is what I this is what.

I'm doing. Like pay what I said about. the Apple Card. Put everything on Apple. Card and pay it off. Like I s I saw part of your thing was. like to make an Excel spreadsheet and. like put. what you would pay for each of those. things down. >> Okay. Listen. again. I'm I'm glad you want to talk. about trans. I don't really give a. you've piqued my interest a couple times.

on the vagina thing especially cuz. that's just like one we love vaginas. here. Two I think a lot of people are. curious. Didn't you say a lot of people. or at your one of your last shows that. you were thinking that you were by at. one point? >> Yeah, a long time ago. >> How how did that what what sparked that. >> experience with young? Okay. I'm asking. the questions though cuz you're on my. podcast. >> I was just curious when I heard that I. was like, "Oh, okay. Musician.".

>> Oh, for sake. Okay. So, if a transport is a big part. of your life, let me bring that to. finances. Obviously, we're trying to. budget in some future operations. What are some things you're trying to. do? This was a question I tried to ask. earlier that you could not answer. Let's. see if you can get to it this time. What. is it going to cost? What are some. things you're trying to do in the near. future that we need to budget towards? >> So, I as a transsexual, >> we know that. >> want more surgeries. We know that I am.

trying to ask you what they are. I just. established that for you. [laughter]. >> I want to get a second round of facial. feminization surgery. >> Okay. So, what are you going to do? >> I want to go to Turkey and get my face. cut up again. >> Yeah, but what what are you trying to. do? To Turkey. So, you have to fly to. Turkey. >> Well, Turkey what what are they going to. do? Like what's going to happen? >> Well, I want to get Well, you've noticed. the the angular. Yeah. You have a man. job. >> Yeah, exactly. I want to get rid of more. of that. Even though I already like you.

saw before, >> man jaws are hard to get rid of. >> I know they're very manly. >> The [ __ ] chin. >> And then I also want to get more of a. Barbie nose. >> Turn to your side. >> To my side? Like? >> Yes. Turn to your side. Let me look at. your no. You have a good nose. What the. is wrong with you? >> Not good enough. >> Oh my goodness. Okay. So, >> also also I want to get a VBL in Turkey. >> All right. Give us a tour.

Give you a twirl. >> Yeah, give us a twirl. I'm objectifying you right now. Come on. >> Yeah, I see that. Well, I came on this. show, I guess, for that. >> Yeah, you need one. Okay, sit down. Yes. Okay, I got it. >> I was embarrassing and all, >> huh? Okay, so what is this BBL going to. cost? The obviously crucial one here, cuz your ass is a sad excuse. >> Yeah, I know. Thank you. Um, it's going. to cost like 23 25.

>> 25 what? >> Thousand. The nose one. That you have a good nose. The jaw one cuz you look like a man. >> Oh. Oh. [ __ ] So what does that get us to? About. 40. >> Yeah, around there. >> 40,000 for your income. That's crazy. How are you paying for that? Because no. insurance, right? That's out of pocket. >> That's out of pocket. [ __ ] Are you. paying for that? >> I mean, I haven't paid for it yet, but.

>> No, >> I want to. >> No [ __ ] I'm asking how are you pay my. the answer to how are you doing this. isn't I haven't done it yet. Are you. What is wrong with you? You can You've. never been on a podcast. >> I have. >> What? What? Cuz no one who comes on the. show has ever been on a podcast. You're. telling me you've been on a podcast and. somehow you are like this? >> Yeah. I mean, yeah, I guess. What. podcast have you been on? >> Um, I've been on some podcast with some. friends. >> Uh-huh. There it is.

>> A lot in the trans community. >> Uh-huh. Okay. So, very good. >> They're my friends. >> How do. Okay. >> Well, but I said friends and then you're. like, "Uh-huh." And I'm like, "Yeah, they're. >> That explains why you haven't actually. done any real podcast.". >> Oh, right. Not something as popular as. this. No, >> you got there. You figured it out. I had. to explain, but you did it. >> all by yourself. Uh, okay. So, >> I just I really didn't want.

>> to I wanted to come on here cuz I didn't. want you to put me in the same category. as all these other trans people that. come on here. >> I don't put people in categories. I'm. putting you in the category because. you're literally I haven't put anyone in. any category. Usually, it's financial. up. What category am I putting them in? >> So, this is financial what? >> Huh? So this is financial. not up.

What category have I put them in? >> Like trans people. >> You just said I put them on. You just said I put them all in a. category and you don't want me to put. them in the you in the same category. What category have I put them in? >> Oh, okay. I got you. >> We got there. We got there.

>> You taught at a school. >> I know. I taught children. Music though. >> What category? >> I've lived hard [laughter]. trans. [snorts]. >> I don't believe that I've done that, but. okay. This just from what I've seen. >> I'm not putting you in libtarted. I'm. putting you in. >> Thank you. >> I've already established that. >> Thank you. No, I know. I could see that.

I could see that. >> It's a Yeah, >> buddy. >> Back to Turkey. >> and then flights and hotel. >> Yes. >> And food. >> Yes. It's expensive. So, how did you. plan on paying for this when the only. thing you could tell me about your. financial life is I put money on my. Apple card and I pay it off. >> So, how do you plan on paying for it? Please, please, please, please. >> Hopefully budgeting. >> When I figure this out, >> no plan. So, no plan.

>> No. >> How do you plan on figuring this out. then? Cuz you said planning on budgeting. after you figure this out. How did you. plan on figuring this out? taking the. extra money that I don't use from what I. when I get paid. And then. >> reminder, 9,000 went out, 5,000 came in. So, >> yeah, >> correct that. So, how do you plan on. doing that? >> Um, 9,000 years doesn't come out, though. That's not. >> What did you just say? >> 9,000 doesn't usually come out.

every month. >> How do you know that? You thought you. made $1,500 less than you do. You. thought you spent $500 more than your. rent. How can you say $9,000 doesn't usually. go out? How can you possibly say that? How can you be a reliable narrator for. that in any way whatsoever? Please. inform me. I can see where you're coming from. However, I [laughter]. I uh don't.

I've never I don't think I've seen that. like as a summary on my bank statement. Like that never really threw me off. >> Okay. And you get some extra money being. a professional singer as well, right? So. that'll help. >> Yeah. >> Tell me about that. >> I mean, people hire me for funerals, weddings. >> Uh-huh. Yeah, >> tell me about that. Obviously to me. Yes. Cuz I just cuz I just said you make.

money doing that and then I said tell me. about that and then you didn't tell me. about that [laughter]. because you are certified actually. I believe we uploaded before we uploaded. you financial audits most guess. Unfortunately they have already been. superseded. Now I'm it's rubbing off. >> It's rubbing off. At least it's not the. trans thing. That's not rubbing off, is it? >> Well, I've never had a desire to be a. woman. >> Thank God. Good for you. That must be.

nice. >> Yes, it is. I think I guess it. >> be nice to be comfortable in your own. skin. >> Okay. Well, why'd you freak out and go. all woman? >> My [clears throat] dysphoria? >> Yeah. >> Having gender dysphoria from a young. age? >> Uh-huh. >> How do I Oh my god. cuz we're getting a. lot of people surprisingly even on lib. talk. that are saying like why are all my. trans friends dt transitioning? >> Yes, [clears throat] cuz they transition. for the wrong reasons. >> What reason was that. >> exactly? What reason is it? Mine I can.

speak to cuz I had gender dysphoria from. childhood. >> And what was their reason that who. dansitioned? >> Well, because they transitioned because. their friends did and it was the social. thing because of trans Tik Tok and. transt trenders. Okay. >> And that's why I wanted to be. >> How is she making this side gig of. singing? >> Oh, that's not con that's not that. consistent, but it's like $300, $500. >> Sing me a song.

>> What song? >> Uh, I like Sabrina Carpenter. >> Okay, so just. >> please please don't prove I'm right. Can I even do that? Like copyright? I. don't know. >> Keep going. >> That's the only one I could think of at. the moment. >> There's more to that song. >> I know. >> Sing something else. You know. >> my ego.

I'm. mother. >> And what do you make from that? Is that. $300 and $500 depending on how many. songs? >> For what kind of events? Funerals that. happens at a funeral or no not Sabrina. Carpenter funerals. No, it's more like. >> a Maria. >> Yes. Oh, you want me to sing a Maria? My gosh. [sighs].

[singing]. memory. [gasps]. grow. [singing]. maria. [gasps].

>> [singing]. >> What's with the weird pauses? >> Uh, probably not getting the right. breath control. I'm nervous. >> No, it's like when your tone breaks up, you all of a sudden [snorts]. >> Yeah. Um, yeah, that's. >> People pay for that. >> Well, it's okay. >> Pause and all. >> Usually I'm better warmed up than I. wasn't expecting to sing.

Okay. So, we can't. >> It really wasn't. >> We can't put any projected income on. that. >> I wouldn't know. It's more of a side. thing. It's not consistent. >> So, men straight men. >> Yeah. Yes. >> I have to ask the curious questions in. between here and there just to keep my. curiosity going. >> Yeah. >> How often does a straight man uniquely. you? >> Uh, how often? >> Like someone who's not coming back for. seconds. It's usually I don't continue. it. Damn.

>> So, how often does a unique person like. >> a unique person? I don't. >> like someone that you haven't slept. with. How frequently do you a straight. guy? Straight. Not by not gay. >> No, I prefer straight men. >> I know you do. >> Not a lot. Not like frequently. Not like two to three a month. >> So, one to two. >> Sure. Okay, good. Good for them. And they do. it. No questions, no flaws. No,

>> they don't. They're not even like. curious. >> Not usually. >> Do they? No. >> Yes. Oh, yes. >> And they want that. >> consent. Yeah. >> Yes. Cuz I'm not about. >> All right. He would. Congratulations. We'll get you guys a room. Oh my god. >> Afterwards. >> Um I am not about not disclosing cuz I'm. not about.

>> And would you give him a wood? >> Absolutely. That's why I have this. cherry slushie cuz he recommended that. one. >> It is very good. >> It is good. >> Um okay, good. We got that taken care. of. [snorts] Well done. Let me know how it. is. I'm genuinely curious. >> Oh god. >> I'm just none of us have like. experienced that before. So.

yeah, you're a pioneer. >> Okay. Very good. What do you think your. financial score is? 0 to 10. Zero being. the worst, 10 being the best. >> Zero. >> All right. If you want your financial. score, take the assessment at caleb.com. It is free and it just takes a few. minutes to see where you stand in the. world of money, where you need to do. better or where you're doing really well. already and what you need to do to. improve. Caleb.com and if you don't want. to be like a guess who ends up on this. show, one don't transition, two,

download the dollarize budgeting app. Take the free trial to see if you like. it. New features being added every. single month. At the time of this being. uploaded, by the way, our whole new. refresh, all bunch of new features. should be added. And most people take. the annual version once the free trial. ends because it saves a lot of money, like 50%, and you get my budget friendly. cookbook signed by me, mailed directly. to you. Check that out. All those links. are in the description below. Let's jump. into these numbers. Oh my goodness. You. have an only. So, we need to add that. income, too. So, you did it. >> No, no, no, no,

>> not, it's not significant. It's peanuts. >> Oh, >> like $7. $14. Oh, >> it's not significant. >> Okay. But can I add the singing? >> Do you get a gig a month on average? >> No, I just just do manager. income. >> Okay, I'll do just manager income. Well, look what's on top. The infamous Apple. card. The only thing you know about your.

life. >> Yes. >> Outside of you being trans, cuz that's. what you've wrapped your entire world. around for the entirety of your life. >> Say that. Well, you're literally able to. talk about nothing outside of it. >> No, that's just. >> about you. >> Well, not well. >> Got you, [ __ ]. >> Yes. >> Not really. >> Yes. >> Talked about how I'm a singer and it was. a teacher. >> Oh, I mean, Colton told me you're also. trying to budget in becoming buying a. [ __ ] ton of equipment to become a Twitch. streamer. I did full time. I did. >> You already did? >> Yeah.

>> Wait, but. but Oh, so you have to buy a new. computer. Why? So, we have to budget in. $40,000 for this trip and then you're. going to get you're going to get all. this equipment to do Twitch? >> Yeah, >> that's kind ofing stupid. I'll be. honest. But what's not is actually. getting a checking account that gives. you free money. Free money. We like free. money. You can get up to $350 in bonus. cash right now when you sign up for the. checking account that I use, Chime. Also, it makes your savings grow at a.

3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. Sign. up for Time. GET THAT $350 RIGHT NOW IN. YOUR CHECKING ACCOUNT. STARBUCKS is. [ __ ] 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 GAMER SUBS 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. Game. >> 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 gamersubs.gg. or click that link in the description. below. Type in code Caleb. How much is. that going to cost? WHAT ARE YOU. GETTING, BET? >> I [laughter]. I got about I don't know about 225.

3,000 for that. We're going to need. That's more realistic than the whole. surgery thing on the horizon. >> I don't understand if you're spending. more money than you make. Well, so is. the surgery happening or not? Cuz. listen, I'll budget for whatever people. want to do. When people have bad reasons. for leaving the country, I still will. make a plan for them to do it. If you're. budging to get uh a chin and a butt or. no chin and a butt, I will do it. But is. it is it happening or not? You tell me.

>> Yeah, it's going to happen. >> Okay, so we're doing that. But this. doesn't make sense if all of a sudden we. have to upgrade our gaming equipment, we. have to do this, we do this. It doesn't. get there. >> But I'm thinking in terms of the fact. that it's a smaller amount, therefore. that's going to come before the surgery. >> But that takes but every amount saved to. get to the surgery gets immediately. drained every time we hit this these. little goals along the way. Right. >> So, you don't ever get to the big goal. So, that doesn't make sense. What's more. important? Twitch or butt. >> Well, that's a good question.

[sighs and gasps]. >> More important or. cuz then if I did Twitch, I could make I. could make more money. >> You just told Well, yeah. Okay. Maybe. You ain't You don't You ain't no Senna, my new crush. I love SA. Can I just say. she like my goodness, I'm obsessed. like. and uh Pokemon also my wife. Oh my. goodness, those those two. Listen, I. just. >> both of them. >> I'm proposing to both of you right now. >> Okay. Interesting. >> But you hate them, girl.

>> I know. I haven't started. >> You said you did in the past. >> I know, but like. >> I mean tell me you literally sleep in. your living room so that you can make. your bedroom your Twitch room. So. clearly you're prioritizing that. >> I am. >> I don't think you're going to make money. though. I mean, Brandon and Tyler do. pretty well because they have the. connection to this show on their. Twitches. They still don't make like. money, like livable money. Money that. will go towards goals. It's like extra. help. >> Brandon does Twitch. >> Yes. And he actually has a platform. unlike you. >> That's true. That's true.

>> And he still does just halfway decent. It's more like passion, I assume. Yeah. Uh like 500 bucks a month. That's what. he's getting. >> Yeah. He can quantify it and put it. >> Yeah. Everybody's grinding on it like. most every day cuz you just see and then. and this is this just makes no sense cuz. you cashed out your 401k so you have to. spend on your hobbies and then you just. paid $8,000 for laser hair removal. So. how do we ever get to these goals if. you're just blowing thousands on. [ __ ] along the way? Does this make.

sense? 8,000. [laughter] How'd you pay. for 8,000? >> That's not [ __ ]. >> Depending if you're trying to get to the. big goal, anything that is a want that. takes us away from that big goal is. [ __ ] in my head. You had to do the. 8,000 for laser hair. >> Yeah. >> Why shave? >> You No, no, no, no. >> Laser hair is great. Trust me. Oh, I. funded it for my girlfriend. Don't get. me wrong. >> Right. So, electrol. >> But you're trying to get to the butt. You're trying to get to the no chin. >> But electrolysis. Okay. So, before I.

could have my bottom surgery, I had to. get electrolysis. So, I had to get all. the hair moved. >> Oh, for How did you even buy that? How. did you afford that 8,000? This makes no. sense. Well, that was part of the. >> a 401k. >> Yeah. >> 401k. So, our retirement's gone for the. sake of not having hair. >> Yeah. So, I can have the bottom surgery. >> The things we did. Was it big? >> Oh god. Um. I don't no think I don't think so. No.

>> Oh, okay then. It's fine. Wasn't. benefiting the world. Okay. [laughter]. Wasn't contributing much. What? You're offended by the thing you. wanted to get rid of. >> I just never thought of it in that way. >> So, it's just kind of like. >> what? >> Dude, you got to do some math in the. end. Everything's quant quantifiable. >> Yeah, but I never thought of it as. >> Get over it. >> Well, sure. I guess. I don't know. I. just never thought of it that way. >> You measured it. >> No. No. No. No. God, no.

>> You looked at it and went you. >> this. Yes. Exactly. It makes you. uncomfortable. Yes. >> You never jacked off. No. >> Whoa. Mark just freaked out. He's the He. is the He He jacks off like a. professional. >> Oh my god. [snorts]. >> Yeah, that's Yeah, I've never thought of. it in the way that. >> Okay, so I can see that feeling like an. emergency to pull your 401k out. I can. like I can see why it feels that way. >> See, this was more of an emergency than.

getting. a. >> I can understand. You looked at your and. you vomited. It's, you know, I can't. relate. But. >> yeah, see how. >> I look at mine and I come. >> That's okay. >> I'm easy. >> All right. Did not know that about you. After all these episodes, I should have. known these. >> Well, now you know. Now you know. Now. everyone knows. I just look at Oh, just. did it. I'm an easy one. >> All right. >> Okay. [laughter]. Apple card. So I I us this is usually.

where I ask what's going on here, but I. I'm the answer is going to be I put. money on it and I uh pay it off. >> Is there anything else? Okay, >> that's that's it. I put I charge it and. I pay it off at the end of the week. >> You pay it off every single time. So it. never acrus interest. >> Yes, because the interest is pretty. high. >> Oh my goodness. The spending on here is. insane. Oh my absolute. goodness. What are you doing? What are. you doing?

That's a lie. You had $1,000 in interest. charged. Well, you're a liar. You don't know what. you're doing. There was $1,000 in interest charged. Almost. Round it up. What the are you. talking about? Pay it off every week. No, you do not. No, you absolutely do. not. So, I am marking this as a debt, you [ __ ] You couldn't tell me how much. money you make. You're going to tell me. how much money you spend now. You're. going to tell me that you pay this off.

every week while you've acrewed $1,000. in interest for 2025. No. [ __ ] you. This. makes no sense. You have no idea what. you're doing. You're confused on your. gender. You're confused on your numbers. You're confused on everything. And I love that for you except for the. numbers part. >> You love that for me? Oh, thank you. >> The gender part. Yeah. To be confused. It's okay. >> Yeah. >> Or dysphoric or whatever it is, right? >> Yeah. Well, I mean, yes. Gender. dysphoria. You had someone on here that. had yellow hair um that said dysmorphia.

>> Great real tits. >> Were Were were they great? Cuz they. wanted bigger ones. >> No, wanted them lifted. >> cuz those things had gravity. >> Okay. Interesting. Okay. >> You could only dream. >> It's true. >> So, $25 minimum payment with a balance. of $2,159.32. 13 years to pay off if we make minimum. payments only. And I know you put more. than that, but then you spend more and. then interest acrru. I think you just.

don't put enough towards it to actually. pay it off like the way you do think you. do. And then interest acrru like crazy. And I know you spend money like crazy. I'm being told right now you bought four. new outfits for this show. I did for. this filming. I did. >> We don't do multiple outfits. You wear. one. You have never seen anyone change. in the show's history. >> I know. And it was just cuz I wasn't. sure what I wanted to do. And then you. know what the best part is? And this is. sarcasm. I'm not wearing any of the outfits that. I've bought. >> You're Why? [laughter] Why? Why? >> Cuz it's just what I thought I was going.

to like when I put it on and I didn't. And. >> see, you spend uncontrollably. You got a. 100 in TV for your living room. >> Yeah. >> You're What is wrong with you? You go. absolutely crazy. You buy for your. Instagram for the holidays, for. everything. And then this is on this. credit card that is accuring interest. like crazy. You are pages of spending. You're uncontrollable. Your financial life is a defined. I. spent on apple cart and pay off. No, you.

don't. You dumb broad. I can say that. See, I'm being I'm being I'm being good. You're being I'm being a good guy. >> You could say worse things, too. >> She's a She's a broad. She's a She's a. She's a What are other woman names? >> Keep going. >> [ __ ] ho ho. >> There you go. >> Have we got any other bangers for women? >> You're missing the obvious one. for. women. >> No. >> Well, I'm doing the winning thing. because I'm I'm being I'm being. appropriate to your. >> identification. There's another one.

>> Yeah. >> What is it? I don't know. I thought I. was an expert in slurs. I say them in my. sleep. >> What is the good slur? I'm missing. >> the one that you started off saying that. you weren't going to say. >> Oh, I'm not going to say the f word. [laughter]. I'm not rude like that. >> Okay. >> Usually. >> That's fine. Usually, >> cuz I don't say it to real ones. I just say it to my friends when they're. acting like [laughter]. >> we did it. We got there. I'm so proud of. you. [laughter].

>> Great. Fantastic. >> Okay. >> I'm so glad we got there. >> But I would never call you that. >> Thank you. >> She's like, I would never. call Tyler boy. I would never I I would. >> I would never I would never call Colton. gay. I am. >> No, I don't. >> You are, but I don't. >> It's still saying. >> I know. It's terrible. >> Starbucks. Starbucks. So, you already. work at a store. Just make your coffee.

at home. Make your That one right there. The energy drink. You're not buying. energy drinks anymore. If you buy energy. drinks, you're. >> you Well, we already know you are, but. that's okay. Gamer subs, you are getting. gamer subs. Those are the free samples. You can get the free samples right now. Use code Caleb at gamersubs.gg. Links in. the description below. But also, it's 40. cents a serving. You're making it at. home. You're making coffee at home. Why. are you buying at Starbucks? It's so. stupid. Starbucks. Starbucks. Southwest. Culver's. Chipotle. Popart.

Popart for what? Oh, you're little boo. booing. You're boo booing. Why are you. You're past the trend. A little boo. boo's done. >> I know. It's not new. >> Little boo boo's done. Transitioning's. done. You're past the [laughter] trend. That was all co girl. You're done. >> How much pop is on there? Well, there's one. And then Papa. Murphy's and Oh, PopMart. PopMart. PopMart. What are you doing? What is. wrong with you? It is not funny. It is. not cute. You're up your life. What is.

wrong with you? You don't know how to. manage your finances. You think you're. not paying interest on here, but you. are. And then YOU'RE SPENDING ON LABOO. [screaming] EVERY SECOND of your life. [ __ ] trans labs. >> Trans labs. >> Why? [laughter] You're throwing. everything away for PopMart. What the is. wrong with you? I I was originally given. a bunch of Loosoos cuz I made fun of it. with the people that I worked with. They. gave it to me like as a gift and I was. like, "Oh, no. I can't make fun of it.". And then I got them stolen. So, I had to.

reby them. >> A gift? You didn't have to reby a gift. This is gone. The gift's gone. >> I know. I didn't. And I wanted to have. that still. >> Well, [ __ ] Don't you want to? First of. all, you already took from your. retirement. We need to get your. retirement caught up cuz even if you're. trans, you still got to retire. >> Yeah, I know. I know. Like you don't get. to not retire anymore, >> right? >> I mean, I don't know. M Minnesota might. give you an endless like amount of money. for the rest of your life cuz you're. trans. Who knows? Maybe that'll happen. at retirement, but. >> just hang out in Minnesota.

>> Let's rely that doesn't happen. Let's. rely on that not happening. You need to. retire. You pulled at retirement. You. think you're going to pop every 5. seconds of your life, which you are. You. What's wrong with you? Starbucks again. Going in getting some [ __ ] Amazon. No taquitos. >> Whole other page. >> Minnesota. >> They don't have. >> Starbucks. I don't know. I don't care. >> Okay. I was like, what? >> Nail spa. Let me see. Dude, that's rough.

>> Is it? Oh my god. No. >> That's bad times. >> Why? >> Cuz those are like gluons. >> They're not. They're real. Oh no. >> You got scammed. >> Oh my gosh. I'm can't tell my lady. It's. cuz you got the wrong minorities. See, we got the Asians here and they do it. great. You went to the Somalians. >> Netflix, Amazon, Amazon, Kickoff, Inc. >> Thank you to you.

>> Huh? >> Thanks to you. >> Oh, it's Kickoff. Okay. >> Use your code and everything. >> Well, that's good. Apple bill. I mean, it works. >> It does. [sighs]. Uber Southside News. >> What is it? >> You pay for it. You better know what it. is. >> Yeah, I don't know what that is. Southside News. What? >> You dumb broad. [laughter]. >> What is it? >> I don't know. >> Oh my goodness. What is wrong with you?

You literally probably have a. subscription to it every single month. >> It. >> for N bucks. >> Is it then from New York? >> I don't know. How the would I know? Are. you What is wrong with you? Why would I. know that? >> I don't know. >> Uber. >> Yeah, it sounds like. >> burn. Oh, you went to New York. >> New York. Yes. >> Why'd you go to New York? You're trying. to go to Afghanistan or something. >> Afghan. Turkey. >> One of those. Yeah. >> Um I have to go to New York for um. posttop follow-up doctor's appointment. >> to observe. >> Yes. >> Okay.

Same. >> It's part of the process. Dam. It's a. follow-up posttop. >> Dude, you're telling me Minneapolis. doesn't do trans surgeries out of all. cities? They do, but. >> it's Minneapolis. >> They do, but not where I went. I went to. New York. >> Well, I know that. >> To get the best of the best. >> Shout out to NYU. >> How much did that cost? Yes. That's. That's Yeah. Okay. >> How much did that cost me? Oh god. Uh, >> but then you had the travel and food.

Look what you're doing while you're. there. >> Yeah. Yeah. I have no idea. 15 200. >> Amazon, Papa Murphy's, Vid IQ. You pay. for Vid IQ. You pay for Vid IQ. Who the. pays for Vid IQ? >> There's a guy that I was seeing that was. helping me edit my videos when I was. doing YouTube. >> You were seeing him for his skills. >> No, no, no. That was just on the side. >> Let me see what this man looks like. I. need to see what someone looks like that. sticks it in. >> I don't have.

>> You don't You don't know who he is? >> I blocked him. I can pull him up, >> but I don't remember. Like, >> you don't know his name. You do not know. the name of your ex. >> I do. >> Good. Give it to me. >> But I don't know his like Instagram, >> dude. It should just be his name. No, >> no, it's not. No, no, no, no. >> His name is not his name. >> Not on Instagram. >> Search his name. See if it exists. Search it. I know you can type even with glueons.

Oh my gosh, that's so I'm so so offended. by that. >> You should be offended that you paid so. much for it. >> Uh yeah. Yeah. I mean it is expensive. >> So you'd pick Brandon over me? >> Uh yeah. Sorry. >> Damn. I'm getting cooked. >> I can't. >> getting cooked these days. >> Can't find it. [snorts]. I'm. >> getting cooked. >> I mean, you are attractive. >> Not especially. Oh god. Thank you for. having the beard back when you shaved.

that. >> It was an accident. >> Yeah. Well, it was a. >> purpose. It was terrible. >> We're delayed by a month. It was an. accident. >> I trimmed wrong and then at that point I. had to commit. >> I mean, you didn't have to. >> No, I had to. >> Was it that bad? >> Yes. >> Worse than being a baby face. >> Well, the baby face only exists for a. couple days. Goes away quick with stubble. >> Okay. I would know. >> More PopMart. Apple Bell. Apple Bell. PopMart.

Dollar Tree. Not as good as Dollar. You. spend money there. >> Dollar Tree. Oh my god. >> What? >> I can't I can't remember what that was. for. >> I don't trust you to remember anything. That's why I'm no longer asking. questions. >> Okay. >> Amazon, Apple Bill, Total Wine, and. More. Is that why you're alled up? >> No, I promise. >> Best Buy. Best Buy. That was. >> for Thanksgiving. I asked that was for. Thanksgiving. >> Uh, Best Buy was for Thanksgiving. where. you bought $2,000. >> wine. >> Okay, what about the 20,000 for best. wine? >> That was a TV.

>> Oh my goodness. >> Yeah, >> you can't afford that. Apple bill, pull. up your phone. >> There is no one's photos folder I'm. going to further avoid than yours. >> So, the Apple Card. >> I'm going to snoop around on your phone. Just not your photos. >> Okay. Sorry. Sorry. >> Freak. didn't mean that in the trans way. Don't. cancel me. Eh, I've had much worse. >> No, I mean, I don't care what people do. I really don't people. Okay, here it is.

I've never seen more subscriptions on. someone's phone than this. >> Really? >> Really? Airbrush. Catfishing everyone for $35 a month. What is wrong with you? >> A month? No. No. >> Okay. Okay. You got annual, but still. catfishing everyone. >> Social media. Social media. Yeah, catfish. Apple TV. It is one of the. better ones. You still can't probably. afford it. And then you got face app. >> More catfishing. You have to double. catfish. What's wrong with you?

>> That's one of the reason by the trans. >> What the I use Gmail every second of my. life. I don't pay for it. >> Do I? >> Not on my phone. At least you pay for. >> Is that annual too? >> You got grock. plusiring? I didn't mean to. >> Notably. >> Yep. >> Work. You pay for X and Paramount Plus out of. all. Come on. Paramount Plus sucks. >> Why? >> And you do have Hammerly the best. membership on YouTube. Number one for a. reason because we got three premium.

incredible high quality shows posted. every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, including the post show for this. episode. You like it, right? >> Oh, love it. >> It's so good. We We prod It's so top. tier. It is the absolute best. >> Yes, you're gagged. But I promise you. will not be getting gagged. We'll hear. with anything. I assume he doesn't want to. I think he. gave a thumbs up for nicities. >> I don't know. And then he got premium. Okay.

Oh my goodness. Look at you. You got 15. snaps to reply. How many people are you. sliding in, dude? You got people every. second of your Look at this. What are. you doing? >> Unpopular. >> Okay, it's not there. What were you? What? What were you looking up. >> there? Well, no, that's not downloaded. either. >> What were you looking up? >> Wait, where are you meeting people? Bumble. No. Yeah. No, you don't have. anything downloaded. Not even Grinder.

Where are you meeting people? >> In person. >> Where? At protests. >> Oh god, no. I thought you knew me better. by now. >> Where? Where are you meeting? >> I'm going to protests and Instagram. Ah, now that she said it, I know. Oh, yeah. This fatty's trying to get in. you, Adrien. Yeah, you're not going to. land that nut. Sorry, guy. Okay, but in person where? >> Just like out at bars and stuff.

>> Okay, so there's seven things. Oh, so. they have to get drunk first. >> No, no, no. I prefer I said consent. first. >> I hope so. I know Minnesota and. Wisconsin are drinking states. Okay. So, you got in the cart you have some. eyewearing. >> Uh like. >> is that what that was? I was wondering. what you were doing. >> Yes. It's your sleep mask and then ink. cartridges. A very expensive desk. Oh, multiple desks. You're considering a. lot. A 49 in like triple wide monitor.

It's kind of crazy. >> It is. It is. Yeah. >> Yeah. You're not buying this [ __ ]. Unless that's what you're prioritizing, but we just can't do the rest. Okay. You. just ordered some ink, some pens, some. something's being delivered today. I. can't even figure that out. Utensil. trays, gardening knee pads. I'm sure you. get on your knees a lot. [laughter]. Sharpie, retractable, permanent markers, and other computer. You just got a. computer desk literally a couple weeks. ago. >> Yeah, that's for the living room. >> Why are you looking for another Why do.

you need a desk for your living room and. bedroom? >> Cuz one's for the gaming setup. The. other one's not. >> I hate you. Laptop sleeve cover. More P. You get more pens than anyone I've ever. >> It's from work. >> at the coffee shop. >> Mhm. >> You just got a popup from only. >> what? >> It's a posting reminder. >> Oh, yeah. Yeah. I got to post. >> You haven't posted since. it says 22 days. >> Yep. >> 22 days. >> But I'm not I'm not active on it.

>> Okay. Okay. And then cancelled then HR. Pharma oneshot sterile lubrication. something for what? What is it? That's. what you have to you have to inject that. so that you cream. >> Not inject it. It's but you put it on. the dilator and then. >> so you don't get wet. >> No, you do. But it's. >> But you have to put something in there. to get. >> because it's a surgical equipment. >> You don't get wet your body naturally. >> Yes, it does. >> What then what's this for? >> But you need more you need more. lubrication.

for sure. It's cuz it's a medical. instrument. >> So you don't get wet enough. >> Not for a medical device. >> Oh. Why are you getting so many of. these? Cuz you got a couple. >> I I have to I go through it. >> for for for what? What is this? >> So once you get the surgery down there, you have to dilate. Yeah. Bottom. surgery. >> You have to dilate how often? >> Twice a day. >> For why? >> Forever. >> To Yeah. To keep No, not forever. No. No. For the first year. For the first. year. For the first. >> For what? to keep the.

surgery from closing. >> It'll it it'll close. >> for the first year. >> It'll close. Your vagina will close. >> The body treats it like an open wound. for the first year. >> Do you have a [ __ ]. >> Yeah. >> And that was. >> the tip. >> Whoa. >> Yeah. >> Whoa. That's crazy. >> Yeah. >> Your tip is now your clip. >> Yeah. Definitely not as much sensation. as a clip.

>> Probably. I mean, >> no, not even close. >> I can't speak to that. >> Well, it's just nerve endings. It's not. even close. >> Right. >> Okay. So, who here is trying to slide in. your DMs? Ryan, is he? >> No. >> Uh, Ally? >> No. These are all just friends from. work. >> If you want to land a highpaying job, but don't have experience or a degree, then you need to learn about course. careers. It is the easiest way to land. the highpaying career that you've been. dreaming of. I've done financial audits. for hundreds of people and what I've. learned is that the single biggest. factor someone can take to improve their. life is getting a higher paying job and.

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>> What? Oh, >> let's see what DW said. So fine. Where. are you filming? Oh my goodness, dude. I'm telling you. Listen, if you. want a hot guy, just [ __ ] position. >> He is really cute. >> Yeah, Colton would do so many bottoms. >> Wow. do with so many bottoms in. >> Okay, I understand. Jeez. So, are you.

sure you would be able to hold down a. live stream? Cuz again, you're kind of. you're not able to have a conversation. >> I I guess [snorts] not. I thought I. could for sure. >> No, really. Have you listened to. yourself this conversation? [laughter]. >> It seems I I I've. normally been able to do it. >> Okay. Okay. So, what did you finance. for? $9,000 with a finance charge of. additional $9,222. >> Oh, is that the upstart?

>> Is it? You tell me. Okay. What'd you do? Upstart. >> Oh my god. The upstart. >> Why? What? When? How? Please try. >> Oh god. [sighs and gasps] That's back. Um, right. Before CO, >> I believe during CO. >> Yes. >> 2021. >> No, 24. October 24. >> Oh. Oh. >> A year and a couple months ago. >> Gotcha. Yes. That one was to cover the other one that. I had during CO. >> What? You said it only cost a couple. thousand, but this is already nine,

>> right? But I took out that one to cover. what I had left of the other one. >> Oh, what what other one? Other one. >> The one that I had before. >> Oh, the other Upstart loan. >> Yeah. >> You took out a $9,000 Upstart loan to. pay off an Upstart loan. So, you're. giving them endless interest forever. >> Well, yeah. >> You're paying for their entire company, their entire headquarters, funded by. you. >> Just me? Yes. It was to pay off LASIK and. um the credit card that I had before. >> Lasic. Why'd you have to do LASIC? >> Because I don't want our glasses.

>> You don't want Exactly. Wands. You. didn't have to do that. What's more. important? Butt cheeks or Lasic? >> Okay. Um Lasic was very important. >> What? You're telling me that's not a. valid question in this conversation? >> That's That's true. Um. >> yeah, it's true. >> I wanted to not have to wear glasses cuz. I can't do contacts. >> Oh, that's why you did LASIC? Who would. have thought? >> What this? Yeah, that's why it was. important. >> Shut the up. I don't know what the. balance on this now is cuz that interest. is going to be acrewing throughout. >> I don't know. I assume it hasn't gone.

anywhere. No, doubt it. Probably not. Plus a prepaid finance charge. So, that. principal became 10. I'll mark it at 9. I highly doubt it's that low yet. But. it's a monthly payment of. 304. 30404. >> Yeah. >> Yeah. That's going to stack. And what. was your original upstart for in 2021? I'm being told. >> in 2021 the original upstart I think was.

like 12,000. >> Oh my goodness. What was it for? >> Oh, why did you take it out? >> I told that's what it was for. The lasic. paying off my Yeah, the de or not debit. card. The. >> I was the that time. Yes, that is. >> It is. It's spreading. Hopefully it. doesn't go over there. >> You're wearing old women perfume. >> [gasps]. >> Oh no. I'm so offended by that. >> Oh my goodness. Oh, do your parents. support your lifestyle? >> Yeah. >> Okay. Well, that's good. >> It is. >> Why do you owe them $40,000? That's.

insanity. That is crazy. What the. >> What the. That has to be one of the largest parent. loans we've ever had, right? That's. crazy. 40,000 FOR WHAT? They helped pay. my first like breast augmentation. >> No, no, no, no. Then you lied at the. beginning of the conversation. You. literally told me the surgeries out of. pocket for you have only cost a few,000. >> Yes. For the ones that I currently have. right now, but the ones before. >> you had previous boobs.

>> Yes. >> What? And so you owe them $40,000 for. boobs that don't even exist. >> Okay. The $40,000 wasn't all for that. That other part is student loans as. well. So they paid off my student loans. and then that. >> Oh my goodness. You went to school for. what? >> Ah, good question. Music started vocal performance like. opera realized that a Maria was with. actual training that happened at a. university. >> Yeah, from a while ago.

>> Oh my god, you're totally not giving me. Oh my god, you should see my Instagram. where it's actually like I'm ready to. sing. >> No. >> Well, okay, whatever. vocal performance. and then after that I went to live audio. like working on the stages and stuff and. then behind the scenes um were music. >> industry. Yeah. Yeah. This is before I. transition. >> When did you transition? >> 2000 or 2019. >> Okay. So you were on stage. Well back. back audio background. Yeah. Okay. Good.

Then. >> so I went all around the music. department at school like every single. thing you could do. >> And did you graduate? >> I did graduate. >> Oh. What? >> Music education. >> It was music education. You went to. elementary school. >> Yep. >> Oh. >> High school for a year. >> Really? >> Before I transition. >> But choir. >> Choir. >> Ah. >> Cuz you were a band. >> The least interesting of all. >> No. I loved choir. >> Well, yeah. You're gay. >> Yeah. >> But you liked band,

>> which is why I thought I was by. No, I'm. not. >> Cuz of band. >> I like vagina. Uh, regular ones. >> You don't know that? >> I don't know. I haven't experience. I. haven't experimented and my girlfriend. doesn't have one, so I guess I won't. >> Sure. >> She just has the normal vagina classic. we call them. >> No, just vagina. Not any vagina. >> Vagina classic. Natural. No. No. monthly injections for that one. >> Monthly. It's weekly. >> Oh, for you have to buy it twice a.

month. Okay. Okay. Okay. So, the parents um now. this was years ago then. When did they. do this? >> When did they. >> give you the 40,000 hours? You person. your. >> No, no, no, no. That wasn't years ago. >> When was it then? >> Just recently. >> When was it? Please. >> Please. Is there like a minimum monthly payment? >> There will be. Yeah. >> What was that agreed on? When does it. start? How much did you agree on it with.

him? that. hasn't been decided yet. >> Then how can you say it's going to start. quickly? >> Because I want I've told them I want to. pay off my Upstart loan first so I can. put that money. >> And do they did they agree? >> Yep. >> But you're not rapidly paying off your. Upstart. In fact, a lot of your money. has to go to the Apple Card because you. spend an endless amount OF MONEY ON. [ __ ] ON YOUR APPLE CARD. DUH. LISTEN, I'll let you use the Fizz card.

a debit card that builds credit. Yeah. And whenever you decide to get a. better paying job, which I mean, you. actually do. Okay. >> I thought it was pretty good. I actually. got promoted. >> Well, yes. Except you thought you made. $1,500 less. Doesn't matter. I'll get. you an accounting certification so you. can actually look at your [ __ ] through. course careers. Okay. >> It's good [ __ ] It's good [ __ ]. >> It is. >> We'll also put you through our master. your money program. I know you signed up. for one of the classes, but you get all. the classes with it. >> No, I signed up for the whole thing. >> The master your money? >> Yeah. >> Good. Well, we'll make sure the rest of. it is for free. Thank you. Right after.

that is when I got. >> Yeah. Make sure you're active in the. community. A lot of people holding each. other accountable. So, make sure you do. that. Listen. Okay. So, I I don't even. know what to put for a minimum payment. there. You got kickoff. Okay. We talked. about that. That's fine, though. You. just do that as a normal thing. But that's all your debt. Just those. three debts. Apple, Upstart, and. parents. Nothing else? >> No. >> What's your car situation? >> I paid it off. >> You paid it off? Yes. Why the are you. with all this extra [ __ ] if you pay off.

a car? >> Well, wait. >> If you were good enough to pay off a. car, why are you with all this other. debt? >> Oh my goodness. >> Part of the upstart was paying off the. original upstart that paid off the car. >> Okay. Checking account. Oh my goodness. What is this? What is this Apple thing? What? What the provisional credit? Provisional credit. What is this? I got. hacked. >> What? >> I got hacked. So, I had to cancel.

everything. >> Oh my goodness. It was like It was like. a whole Oh my goodness. They took so. much money. >> I'm glad you got that reversed, right? From the sounds of it. Yep. >> Okay, good. >> We got it now. But it just doesn't look. great on the. >> Oh my goodness. And then Apple purchase. Apple purchase. Apple purchase. This is. crazy. It was from them still, right? >> Yeah. >> Yeah. All throughout. Then something. with MetaPay. $1,499. Metay. >> Exactly. That was the main that was the. thing that tipped me off that I was. getting hacked. >> That's crazy. Okay, you went inside, got.

some [ __ ] Culver's again, Netflix, Domino's, Starbucks, Starbucks. Stop. with that, dude. Amazon, KFC, Amazon, one month member something. Starbucks, Corbins, KFC, Fortnite. >> Yeah, >> you're really living it up. Co, aren't. you? Yeah. [laughter] I thought I cancelceled that. a while ago. >> No. >> No. Haven't done it.

>> No. Apple bill. Apple bill. Starbucks. Going in getting some energy drinks or. some [ __ ] Starbucks again, [ __ ] Apple bill. STARBUCKS. APPLE. BILL. METAPAY. METAPAY. STARBUCKS. STARBUCKS. What are you doing on me? >> None of them. Okay. >> Nope. >> Well, those are a dollar each. So, >> I know. I know. Your Starbucks for. multiols. >> Multiols. [laughter] Yes. >> Apple bill and other metapay. Oh, there. it is. That's that one. And Apple bill. Then venue out money. Venu out money and.

zeling out money. >> Crazy. 5,000 in the savings. That's. actually pretty good. But. >> I mean, >> do you have that instead of the Well, okay. Let me see your fidelity. You. pulled from your 401k. So, what was. Fidelity though? >> What was in your 401k? Cuz now you only. have 1,700 for retirement, >> which at 32 is horrendous and disgusting. and horribly behind and you're. >> Yeah, I know. >> So, how much you have? How much did you. pull out? >> 23. >> Oh my gosh.

>> But it wasn't through Fidelity. >> Okay. And then Oh, you just also just. blew 2500 on your checking account. For. what? >> For the TV. >> Oh, for moving. No, for moving. >> Oh, the moving on top. >> Oh, what did you do? Why does it cost so. much money for people to move? What is. wrong with you? Expensive. >> No, I have never I have never spent even. remotely that much money. >> I had to move. >> and I have money. >> I had to move from. >> and I move endlessly. >> Fargo, North Dakota. >> Oh, Fargo. >> To Minneapolis. >> Uh-huh. I moved from Kazoo, Michigan to.

Austin with like a couple hundred bucks. What the is wrong with you? >> What did you bring? >> I sold everything and packed up my. sedan. Why'd you have to? Yeah, it would. have been cheaper to just get some you. [ __ ] in marketplace. >> Yeah, I didn't sell anything. >> Yeah. No [ __ ] my last. >> What the How could you afford that in. your checking account, dude? >> Worked a lot of overtime before that. >> Did you? Cuz you're promoted. Okay. Cuz. you're salary now. >> Yeah. Yep. >> That's why I moved. Cuz I got promoted. >> That's why you moved. It's not cuz you.

were forced out of the. >> Well, when did you leave that teacher. job? >> Oh gosh. Oh gosh. 2023. >> Okay. That wasn't that long ago. How'd. you have to think about it that hard? Okay. >> So, why did you leave? I mean, you said. you were forced to leave. >> Yeah, I I left because I didn't want to. be monitored. Like, if I wasn't able to. do my job as a teacher and like have. that be enough, >> but maybe it would have blown over the. controversy. >> No, because the I was literally called.

down to the principal's office. >> They told you to stop? >> Yeah. >> Then stop posting lose. You're a. teacher, you know. >> Day. >> Yes, but stop posting it if that's the. rules. >> Really? Why was that? Why is you posting. titties online more important? >> Because that was something that was. making money off as well. >> Huh? Making your what? >> Was making money off that as well. >> Oh, come on. Was it comparable? >> Then where's that money today? >> Yeah, it's a good question. >> Uh-huh.

>> Spent it. >> So, did you quit at the end of a school. year? >> Yeah. >> Thank goodness. >> I wouldn't leave in the middle. >> Well, I don't know. With you, I don't. know. So, another reason that I left um. Fargo was because of the roommate. situation that I was in. >> The roommate situation? What was that? >> It was [sighs and gasps]. >> an anti-trans. >> No, it was a trans person. >> Okay. So, you guys were transing it up, touching fake clits. >> Oh god. Gh. No, no, no, no, no.

>> You're the one with one. I don't know. I'm not disgusted by it. >> I was the one. Um, my roommate was an. older person that transitioned older. Like, >> is this Are we agist? >> No, but I'm just telling you the. situation. >> Okay. [clears throat]. >> I put them through training boot camp. essentially. >> What? Oh, >> trainy boot camp. >> Uh, okay. >> Cuz nobody was there. >> I'm also sure the parents of the school. loves that you have a boot camp. >> Well, but that was afterwards. >> I'm kidding. Come on, tell me. Yes, tell.

me. Um [laughter]. um so they I had no one when I. transitioned, so I wanted to try to be. that person for somebody. And long story. short, they ended up falling in love. with me. >> Okay. Well, tell them no. >> I did. >> Okay, there you go. What? How old are. they? How old are you? >> 63. >> Damn. >> And how old are you? >> 32. >> Why are you roommates with them, weirdo? >> I to help them. I needed a roommate and. they needed a roommate as well.

>> What a mistake. >> it was. Okay. So, what happened then? That you had to emergency spend 2,500 to. move. >> Well, that the manager happened. >> What happened? >> They were very protective, overprotective of me, weirdly, like, and. jealous of guys that I would hang out. with. >> They were guys what? >> That you would. >> Oh, yes. hang out with you. Got you. Got. you. Um. >> Oh, you're you you are not smart. And to. the point where like they got very very.

violent. And. >> in what way? To who? And how? >> To me. >> So they were protecting you. So they hit. you. >> No. To like. >> the guys. >> The straight men. >> Yeah, essentially. But the guys. >> You would fight the straight men? >> No, they wouldn't actually fight the. straight men. >> What are you saying? You said they got. violent. >> Yes, they they. >> they did get violent. They did get. violent. They had a gun, so that made me. very uncomfortable. >> Did you shoot someone?

>> No. >> Where's the violence? >> They had one. They like They like. threatened to. >> Well, they threatened to shoot you. >> Not me. The guys. >> Did he threaten the guys? >> Yes. >> He threatened them. He said, "I will. shoot you.". >> Yeah, I will kill you. >> Okay, there it is. That is bad. That is. bad. >> Yeah. So, I was on the. >> I understand wanting to move from that. >> Well, it just I didn't want to be with. someone that was like in love with me in. that weird way. >> Well, yeah, that's weird. But also, if. you set your boundary and they're like, "Chill with it. It should be okay.". >> They're not They're not with it.

>> There was no boundaries. >> Uh-huh. >> That was the problem. >> Yes, I agree. Did you guys. >> God, no. >> Okay. Did you see it? >> No. >> You never saw it? >> No. >> He was in love with you and he never. tried to manipulate that. Okay, that's. good. >> He He. >> Well, he tried, but he didn't like. force. >> He did. >> Okay, good. >> But I was like, >> good. >> Yeah. Put your put your draw your line. That's good. Always draw a line. >> We like that. You can advocate for. yourself. these days. >> Yeah. I need to get out of that. situation. Plus getting. >> Oh, you had to call the cops on him.

>> Almost. >> Oh, [ __ ]. >> Yeah. >> Oh, almost. >> And that was the point where I was like, "Okay, this needs to change.". >> All right, let's make you a budget. >> Okay. I mean, what's what's your rent? >> 1650. >> 1,650. You said internet, gas, electric, utilities are all included in that. >> Yep. In garage. Okay. Well, I wasn't okay. Uh, part of. it $25 for the Apple Card and $344.

for the Upstart. No minimum payments to. the parents yet. So, that makes your. debt minimum monthly payments $32,94. Okay. Vroom vroom drive gasoline to run. over the protesters. How much? >> 20 bucks. >> a month. You live right next to the coffee shop? >> Yep. Literally. >> Yep. >> Okay. >> And it's a Prius. >> I'm not going to say the word. >> I'm not going to call you one.

[laughter]. [gasps]. >> Uh, car insurance. How much? >> Um, 75. >> What? That's incredible. Yep. >> Phone bill. >> 110. >> Ah, there it is. You owe on your phone. >> I mean, it's I have the. >> You owe on your phone upgrade program. >> Okay. I would do Helium anyway. It's. like 15 bucks a month and T-Mobile has. to be given. >> Can that work? Yes, I think. >> with an upgrade Apple upgrade. >> You just have to get off that program. Oh, >> well, that's the problem. >> Why is your under nose wet this entire.

conversation? [snorts]. >> Does it just drain with all the things. you've done? >> Yeah, sure. >> Does it? >> No, I think it's makeup. >> Huh? >> I think it happens sometimes with. makeup. >> Okay. Well, you're not sniffing. >> No, no, no, no. >> Groceries, 300 bucks a month. Use the. meal plan and the cookbook and all that. good stuff that comes with master your. money. >> that I have. That's. >> exactly fun. Anything else you need to. survive? I'm going to make you 175. instead of 100 cuz you need extra.

>> things. Thank you for. >> You don't need tampons though, which is. nice. >> Nope. >> I don't even need to performatively have. that. >> Okay. Do. >> That's a thing. Oh, yeah. That's a. thing. [sighs]. >> Okay. Medical healthcare co-pays on a. monthly basis. Come on. I know you got. Come on. You You don't have medication. to take? >> Yeah, but it's not a monthly thing. It's. >> You don't have co-pays. >> It's every 3 months. >> How much for that? >> $75. >> Okay. I'll put like 30 bucks. 25 bucks. You have a gym?

>> Nope. >> Okay. Subscriptions, I'll put in 50. You. have any pets? >> Nope. >> That's good. You're not planning on it, are you? >> Uh, no. >> That's good. Anything else I need to put. in this budget? You put out it's pretty. it's pretty lean which is great. honestly. I don't know how you're But. what. >> I mean spending habits is what's it up? >> Yes, that's what I'm saying. >> And the fact that I overspent by that.

much. I'm still gagged. >> Nope, it's not happening. Okay. Needed. to survive on a monthly basis. $2,734. You make five. Uh, you shouldn't have to take out money. from your parents. You have an extra. $2,200 on a monthly basis. Give you $200. for fun. You have $2,000 left on a. monthly basis. Apple's paid off in a. month. Don't use it again. You can use. the Fizz card.

Uh, what is wrong with you? Okay. Upstart is paid off in about four. >> four months. >> Yeah, dude. Cuz you actually have money. even with spending 400 on fun. Then with. your $2,350. you have left on a monthly basis at that. point. 2,300 at that point takes a year. and a quarter to pay off your parents. This is all done in a year and 3/4, two. years max. Then you get a fully funded. emergency fund and then you start.

contributing to retirement again. Maybe. 50 25 50% on living, 25% for fun, 25%. for investing and you have a great life. Okay, we have a lot of crazy things to. talk about in the post show and a lot of. crazy things are going to happen in the. post show. You can already tell. Brandon, get ready. Get the hands ready. for squeezing. >> Oh my god. >> Join Hammer Elite. I'm gonna get the. Hammer financial score done first and. then make sure you click that join. button for Hammer Elite. Um, best. membership on YouTube. Number one, three. shows a day, six days a week. Spending.

your budget, you overspend 0 out of 10. Debt, it's not the worst, but the parent. loan kind of sucks, but I'll say two out. of 10. Parent loan brings it down. Emergency fund and the upside is pretty. brutal as well. Emergency [music] fund. goes about a three out of 10. Retirement, not good. One out of 10. Real estate 0 out of 10. You shouldn't have said you were a zero. with that little bit of savings you had. That doesn't really make sense. Hammer. financial score 1.5 out of 10. Get yours. at caleb.com now. Join us for an extra. 20 minutes in the hammer or in the. financial auto post show. See you there.

You got to call your parents. It is time. to own up. You got to own the up for. your mistakes. Call them now. >> When were we planning on starting that. repayment? >> I mentioned it a couple times. I don't. know, maybe dad has too. >> I think I would be able to pay it back. in. Hey guys, don't forget about free cash. linked in the description and pin. comment below.