Illegal Immigrant Exploiting The System | Financial Audit

This is like my dream. I've always. wanted to move out of America. I'm like. really happy about my move. >> Okay. Are there any logical reasons why? >> Cuz America sucks. >> America sucks. >> I feel like it was good financially. I'm. not like just like one of those white. people moving cuz it's cheaper. I mean, I did move cuz it's cheaper. >> Good financially. I mean, I have a. payday loan in front of me. Wait, you. beat your ex? >> I stopped her cuz she made out with. someone in front [laughter] of me. >> Very good. Off and go to Mexico. Go back. to Mexico, [ __ ]. >> Get your free trial to the Dollarise. budgeting app today. Hey, join the tens. of thousands of active users who are. taking control of their money and.

changing their lives with new features. being added constantly. There's no. reason not to try it. And if you like. it, choose the annual version to save a. ton of money and get my budget friendly. cookbook signed by me and mailed. directly to you. Dollarise.app or link. in the description below. >> Hello, I'm Sarah with an H. I'm 24 from. Takate, Mexico, and this is Financial. Audit. >> Those things would suffocate me. >> What? >> What? What do you do for a living in in. uh Te Tante?

>> Tec. >> Um, so I. >> Mexico. >> Yes, Mexico. Caleb, >> you don't have an accent. >> No, I just moved there two months ago. >> That is rare for a Mexican to not have. an accent. >> I'm white, Caleb. Okay. >> Well, these days I don't want to assume. [laughter]. based on color. >> Um, >> you could very much be black according. to Tik Tok. So, I like I don't even. know. Um [clears throat] I work in San. Diego actually. So you know where Tijana. is? >> So it's across the border. Okay. >> Yeah. So it's like Tijana is here and. then Takati is over here. So it's like.

inland. >> Okay. So you just go further to the. east. >> I drive I cross into Tate and I drive. like through the mountains and then. boom, San Diego. >> daily. >> No, sometimes it depends. Like 500. >> job in San Diego. >> I am a design consultant. I sell like. closets and stuff. >> You know they hate people like you, right? >> Why? Because you earn a higher income in. the United States than you go to a lower. income. >> I didn't move there. >> You are a colonizer. >> Okay. But I MOVED THERE WITH MY. girlfriend is Mexican and she lives.

there and didn't want to come to America. cuz America. I'm sorry. I swear. >> They usually like to come to America. That's kind of. >> I'm using her for papers actually. So. we're going to get. >> Does the cartel know about this? >> No. >> Are they okay with it? >> Well, I'm sure they'll be fine. Like I. mean I love her. We're in a relationship. papers. I think. >> sometimes. >> I don't know. >> Like girls with money, but I don't think. you have money. >> Clearly not. Cuz I'm here. >> I literally have a payday loan right in. front of me like beneath my nose.

>> I'm so sorry. >> Um, so I guess you're our first. international. guest. >> Am I? >> Oh, wow. Okay. [laughter]. You're a creature. That's interesting. >> Thank you. >> You're you're you're an interesting one. So, you did the you pulled the the the. good old reverse card on immigration. >> I did. >> Okay. It's a rare one. Listen, some. white people, remote incomes, high. incomes, are liking to go to Mexico. City. That's a very common thing that. we're seeing these days. And people in.

Mexico City, especially the more native. borns, aren't necessarily super thrilled. with it. It's very interesting how. they're allowed to be upset at it. >> What? >> What? I did not follow that. But. >> I That's okay. That's okay. >> It's a lot of words. >> Listen, people move everywhere and I'm. okay with it, but it's just. >> But I'm not like just like one of those. white people moving cuz it's cheaper. I. mean, I did move cuz it's cheaper. But. my girlfriend lives there and she didn't. want to come to America. Also didn't. want to live. >> Come to America. >> Well, she has a visa. I mean, she's. here. She has a visa, but she doesn't.

have a green card and she doesn't want. to get dual citizenship. But I've always. wanted cuz America sucks and she doesn't. like America just like me. >> America sucks. >> Yeah. >> Okay. That's why everyone tries to move. here. That's interesting. When does. America suck? >> Um, well, one, we're gay. So, like. everything that's going on with like. possible. >> America is very gay. >> It's not It's not heading that. direction, Caleb. >> Very gay. >> Well, like in with gay like being okay, like we're kind of going more into like. laws that especially like against the. trans community and then also No, but I.

mean it's a part of our community, the. LGBTQ community. We have to remember the. trans people, too. >> No. Sure. But it's not really going. anti-gay. things have only gone better. for gay close to being typically even. with trans things despite what rhetoric. you might see cuz grass is always. greener typically the United States is. on the forefront of progressive values. it's been European countries that ban. beta blockers and other surgeries and. anything for people under age where you.

can still get that in the United States. state to state we're we tend to be on. the more progressive hey it do whatever. you want side of things. >> about moving to Europe. >> well exactly Mexico is like getting more. progressive whereas we're kind of going. >> more progressive. And how how how does. very traditionally Catholic Mexico think. of trans people? >> Well, even though like sometimes there. are people that have religious views, they're not like quite as like here we. have the conservatives, which since. they're more prominent, I feel like. they're kind of ruining America.

>> Well, they won the last election. Will. they win the midterms? Typically not. people that usually are the sitting. majority don't usually win in the. midterms. But either way, even uh uh. Republicans tend to not really have. issue with gay people these days. Trans. very hot topic for sure. >> Well, I feel like a lot of the. Republicans do have a problem with gay. people, but in Mexico, like I feel more. safe like being gay, holding hands with. my girlfriend, even in like a small. town. >> Are gangs not kill you for being gay in. Mexico? >> No. >> Really?

>> No. Absolutely not. 100% no. Gangs are. not against people being gay. The whole. like thing with like the cartel, you're. only gonna end up in deep [ __ ] with them. if you go looking for deep [ __ ] So if. you're an idiot, yeah, but if you're not. stupid, you're not going to get killed. I don't know. I feel safe. >> Well, you know, usually where I hear. like you can get killed, it typically. isn't. >> get killed here for being gay, Caleb. So, >> and how often does that happen? >> Happens. Very often, please tell me. Give me a recent case. Um, well, there's.

the Sam Nordicquist that happened in the. last year and then there was also a. trans woman who was killed recently. here, but I haven't done like a bunch of. research. I just saw. >> Was she killed for being trans or was. she killed because people die? People do. die. >> Well, Sam Nordicquist, I don't know a. lot about her story, but Sam. Nordicquist, he was killed for being. trans. >> Gallup May 2025, uh, just under 70% in. the United States support gay marriage. U, Mexico, just about 60%. >> Well, I don't I know I feel safer in. Mexico.

>> feel. >> And yeah, I mean I've never had an issue. and I've had like a lot of people be. homophobic here in America and I come. from like a Christian conservative. family. So. >> Oh, maybe it's that and not the country. [laughter]. >> Yeah. But also like I don't know. I. would never raise kids in America and. I've never wanted to like live here. permanently. So I'm very excited to be. starting my life. >> Well, I'm okay with you moving somewhere. and I'm okay with you moving to Mexico. I'm okay with you moving literally. wherever you want to move to. But when. our logic is very flawed on the reason. why and when we're about to get. completely because of our flawed logic.

to rush into something that might not be. good. >> No, this was the best financial decision. and you're going to see that moving to. Mexico is a really good financial. >> You're not full move. You're still. workbased here as in you can get garnish. wages here, still pay taxes here. There's a lot of things here and you. might move back for whatever who knows. why reasons. >> So it's not like you can just abandon. and flee cuz you're not you're still. there constantly. But my rent, like my. rent is what I'm talking about. Like the. difference in rent was like like now I. can put all that money I was paying. towards rent towards my debt. I just.

moved. So it's like so I'm here so that. you can help me with all my extra money. I'm going to have. >> Mhm. So murder rate in the United States. 6.8% per 100,000 people, 25 per 100,000. in Mexico. Trans homicides uh through. monitoring projects with trans community. advocates for trans uh people. 41 uh. reported killings in the United States. in 2024 where Mexico is among the. highest burdened countries. Globally for.

trans violence with 70 people being. murdered on an annual basis on average. And in Mexico uh alone at least 353. LGBTQ plus people were murdered within a. few years in and around the COVID era. And in the United States substantially. less. Let's see. In the United States, it's not even like a full-on metric that. is being pulled straight up on that. But. Mexico is one of the most dangerous. places outside of the Middle East for.

gay people. >> It's legal. So, >> huh, >> it's legal to be gay there. It's not in. the Middle East. >> It's legal to be gay here. >> Well, yeah, but I'm just saying, >> listen, I don't care about you moving. That's fine. We can move. But when the. logic is completely flawed and the data. is completely against it, >> like it is more dangerous to be trans. Well, your feelings are incorrect. Like, it doesn't matter just because Okay. Well, you're probably doom scrolling on. Tik Tok. And if that's where you get. your feelings of what the environment is. around you, you are living in a flawed.

reality. >> My reason why I feel safer isn't from. like Tik Tok. It's from like. >> But every statistic says gay people, trans people, and people. >> are more at risk there. Violence, hate. crimes. >> Well, I mean, I think it's fine. My mom. was really worried about me getting. murdered when I for a [laughter] while. >> Yeah, she was really stressed. >> But I mean, I haven't been murdered yet, so I think it's fine. >> Yeah. You've been there uh 2 months? >> Almost three. I think I paid rent twice. Almost there. >> You're getting you're getting there. You're you're on your way to that.

murder. Just don't your your logic is flawed. If. it's from Mexico City, stretching. income, beautiful place, I get it. But. you're going to to. >> Well, yeah, cuz I can still work in San. Diego. That was I wanted. >> Is it a remote job? Cuz you say you. don't go daily. So, how does this work? >> So, I Oh, also I'm commission only. Fun. fun stuff. >> So fun. >> Um, but so basically I get appointments. with clients and then I go So I don't. get appointments every day. I don't work.

every day. Sometimes I'll stay the night. at my friend's house in San Diego. So. I'm avoiding, you know, like the the. commute every day, you know, but it's. not remote. I mean, I can do a lot of. stuff from home, but. >> Okay. Does that make. >> sense? >> Yes, it does. So, what's your normal. money. >> that comes in? >> So, it really ranges. I actually did the. math to see how much I made this year so. far. And I've made 51,000 so far this. year. >> And is that net? Is that what hits. before or after taxes?

>> Um, no, that's in total like. >> Okay, so before taxes. >> Yeah. >> Okay, great. in California is certainly. taxes, >> but it ranges like I think my lowest. month I would say is like 2500 going. into my account and my highest has been. 7,000 going into my account. So like. last month I had 4500 hit my account but. like the month before I was at like. 3,000 hitting my account. But I want you. to do the budget based on 3,000 and then. just kind of tell me where to allocate. extra money when it's busy and I.

>> Okay, so the trans murder rate in Mexico. is double in [laughter] the United. States. >> It's what? Double. >> Good to know. >> And often times in Mexico it is targeted. because they are trans. And in the. United States it is because. not always because they're trans. It's. just due to violence. >> Okay. >> There are hate crimes. There's hate. crimes everywhere for every group. That. is 100% true, >> you know, like but it is substantially.

worse in very socially. You have to. remember the United States. Yes, I know. we have a conservative party certainly. of course and they won the last election. ran pretty pretty heavily too. A lot of. the world outside of Europe, I mean even. Eastern Europe is socially quite. conservative. >> Yeah. Mexico socially is a very Catholic. country. You know, the United States is very. progressive. >> I feel like. >> it doesn't always feel like you might.

get to the place you want and you will. see rhetoric and you're doom scrolling. and you'll see election results not go. the way you wish. >> Does that mean on a statistical average. day you walk outside you are in danger? No, it does not. and youing with. everything just because of that and doom. scrolling and fear-based. >> That's not the only reason why I moved. >> Okay. What's the other reason you moved? >> One, my I don't do long-distance. relationships and my girlfriend. >> She refused to move here because she's. afraid of it in incorrectly. It's really.

hard to get a green card to move to the. US. >> That's her visa for the United States. cuz she has a border crossing card. >> Just a border crossing visit. Why. doesn't she apply for like a work. permit? When did you guys get married? What? Well, she has a career in Mexico. She doesn't want to live in America. >> Career in Mexico. Does she make good. money? >> Good money for Mexico. >> Good money for Mexico. Great. Okay. >> Okay. But like she. >> How's her English? >> She understands it like almost. perfectly, but speaking it is kind of. hard for her. >> Okay. So, it would be a little difficult.

for her. Okay. Got it. So, but again, so. >> and her whole family's there and like. >> Well, I get that. But look how easy you. guys are crossing. Like you can go visit. family. All I'm saying is, is this the. most logical move? It is cheaper for a. reason. Do you know why cheaper cities. are? Do you know why Kansas City, Missouri is cheaper than New York City? I'll tell you, it's not as good, >> but I really like our neighborhood is. really safe. And our street is not. ghetto. It's really And there's like a. little store on the side. It's really. cute. >> So, yipp be.

>> And I have a two-bedroom apartment with. a patio and a parking space. >> You have an apartment in San Diego. still? No, I'm talking about. >> You gave it up. I'm asking still cuz if. you you were just there. >> Yeah, I gave it up. Well, it's because I. was behind on rent. >> What do you do if you get if you lose. this job in San Diego when you're now. international? >> I get another one in San Diego. >> Yeah. What if. >> I'm in sales? I can go into any sales. job, Kaylin. >> Sure. They might require a little more. in-person activity. >> Yeah, that's fine. I go into work. between 3 and 6 days a week, depending.

on the week. >> How long is that commute? Um, it's 45. minutes once I cross the border and I'm. like eight minutes. So, it depends on. how long the border line is. So, it can. range from being like two hours to like. four hours. >> Classic safest cities in Mexico, the. ones right at the border. >> This one's a small border town. It's. nothing like Tijana. It's like a baby. town. It's like one main street. >> Mhm. [clears throat]. So, what am I helping you do? What are. we trying to talk about? Okay. You hate.

>> uh fascist America. Got it. We're okay. [laughter]. Bald logic in every way whatsoever, but. I understand you live on TikTok and. Reddit. Other than that, I actually say. it's your generation. I love you. >> How old are you? 24. Oh, wow. You look. substantially older. Okay. >> Do I really? >> Yes. [laughter]. >> I don't know if that's a good thing or a. bad thing, but. >> bad. So, I'm. Okay. Well, I I don't know. Yeah, maybe. it is. Maybe it is. That's fine. But. anyway, so what I'm here for, she's 24.

as well with the same age. >> Are you trying to green card marriage. into Mexico? >> Yes, sir. >> Are you guys engaged? Are you guys. married? >> We're getting engaged in November. This. month? >> We're getting engaged this month. Okay. And then what does that look like? >> Well, we're getting married in 2027. So, >> and I do not know how the process works. in good old Mexico. >> So, I basically need to go and get Well, since I'm like in and out, I haven't. gone and gotten like a visitor visa. So, I'm an illegal immigrant over there. right now. But once we get married, then.

she can apply for me to get like. basically like um a permanent resident. card in Mexico under like the family. unit thing. >> How long does that take? >> Um so I mean you get it like within like. a month of applying. >> and do you just get it or are there. questions? >> They ask they make sure you have enough. money like so as long as I'm working in. San Diego or like I have an online. income, whatever it is, then it's fine. And then we have to like prove that. we've been together. So. >> So you're going to pay double taxes? I. don't know how that works. I don't know. how the taxes work, but probably.

>> Well, I know for a fact you're still. paying America and California taxes. >> I mean, I don't know if I'll have to pay. taxes in Mexico if I'm not working in. there. >> I think they'll probably want their. taxes. >> So, I mean, if I do, I'll pay them. Like, it's not. >> I don't know. That's like a later. problem. >> Okay. So, you're from San Diego then? >> No, I'm from Seattle, Washington. I. moved to San Diego a year ago. >> A year ago? >> Yeah. >> Then you're making the. >> What are you doing? You're just happy. and everywhere. >> Well, I didn't like living in Seattle.

and then I went through a really messy. breakup. So then I downloaded a dating. app to see where the hottest were in. California. Ended up in San Diego. >> They were the hottest are. >> Yeah. Um that's what my opinion. >> Well, I don't know what your type is. >> I like Hispanic people, so makes sense. >> Well, they're certainly in Southern. California. >> Yeah. Anyway, so I moved to San Diego. I. transferred my jobs like my I worked for. a different company up in Seattle. I. transferred to the corporate here and. then it was like super easy. So I. already had a job. >> What does this girl look like?

>> My girlfriend. >> Yeah, I got to see what these hot look. like. >> Let me get my phone. This like aggressive Caleb are Dia de. los Muertos events. >> Okay. >> Definitely lesbian. >> Yeah, obviously. >> when I see that. >> Yeah. And she it does look taller that. picture. She doesn't look that tall, but. I don't know. It's the angle. She's. about the same height as how tall are. you? >> I'm 24. >> Tall. >> I'm 5'8. Sorry. [laughter].

>> Okay. You're acting like you're. >> endlessly [sighs]. tall. Um, it's just not when I think I think. boobs. But. >> you have different types. >> Well, exactly. That's what I said. >> I am the boobs and she's the masculine. one. So, >> you're the fem. >> Obviously. I think I need to get Aaron in here. [laughter]. >> Is there a gay here? >> Hello. >> I need you to assess her lesbianism from. a score of 0 to 10. Zero being no.

lesbian to 10 being just slamming that. bush. >> Side note, I'm so gay. Can we [laughter]. look at the rings? I can't stop looking. >> I should get some points for the rings, you know, >> but the nails are long. Don't look at. those. >> Well, [laughter] allows me to do her. thing. >> Okay. [clears throat] Sorry. >> Um, what kind of car do you drive? >> A Nissan Rogue. >> Hold on. It's white. I don't know. >> All right. That didn't answer me. anything. Um, >> it's not a superhero. Sorry. What kind. of music do you listen to? >> Um, I listen to Chapel Rowan. Russ.

[laughter]. >> That's Chapel Ran. So, that's a point. off. >> Yeah. >> What? I said Chapel Rowan. >> It's Ran. >> It is. >> Yeah. >> I didn't know that. >> Um, >> horrible woman. [laughter]. >> Um, do you have any pets? >> I have two dogs. They're my children. >> They're little dogs. I have a Pomeranian. and a Chini. Yeah. Have you ever seen. Portrait of a Lady on Fire? >> No. >> Okay. >> I'm a young person though. That sounds. like an old movie. >> What's giving hints of lesbian to you? >> I I'll tell you in a second. But what's.

your [laughter] Do you have a score? Do. you want to ask another question? >> She said the last Chapel Ron uh. incorrectly. And I feel like any lesbian. would have gotten that right. >> So, what's her score? >> Negative -2. >> Okay. Well, here's the the the kicker. for me that made me ask if she's. marrying a woman. But. >> I eat so much. Like, >> you're marrying a woman? Yes, I'm gay. I. So, let's see. I thought it was Chapel. Rowan. >> Jesus is a bad gay. >> Yeah, I thought it was Chapel Rowan. I. swear. >> First of all, it's Ran. Please stop. saying that. >> I didn't know yet. Yeah. >> Ladies and gentlemen, if you want your. Hammer lesbian [laughter].

score, >> your hammer lesbian score, go to. caleb.com/lessbsian. Take the assessment, see where you stand. in the world of le. And uh yeah, you. could see if you're smashing flaps that. night or if you're going full on the. hog. >> Negative2. I better put on a Nike sports. bra and, you know, assimilate to my. culture. >> I don't think they'd fit. >> I could I could definitely get a Nike. sports bra on. >> Okay. [laughter]. Okay. So, Okay. And how is this all. affecting your finances? Just like where. do we stand? So, you're saying 3,000 a.

month is what we're calling your net. >> Yeah. >> Okay. So, where is this all standing. with this transition that you're doing. from Seattle San Diego to. >> So, when I moved. >> to Kante. >> down here, I don't know. Like, my rent. didn't go that much up when I moved from. Seattle to San Diego. [ __ ] expensive, >> but um my rent was 17.45 plus utilities. and then I moved to Mexico and I had a. studio like a box like smaller than this. room and yeah, it was tiny. No parking.

either. I swear to God, it wasing tiny. Swear to God, it was tiny. And now I. have a two-bedroom with a parking spot. and a patio for my children. And it's. only $500 a month. >> in Mexico. >> Yeah, in Mexico. >> But how has that affected all of this? I'm glad you got the rent situation, but. >> So my rent was No, I pay the rent and. she plays like gas, water, electricity. Well, I make more. >> electricity while you get it. Okay, >> let's talk about student loans. I know. it's something we all avoid talking.

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Or call89733978. That is89733978. Break free from the highinterest trap. and get your finances under control once. and for all. 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. >> NO, we have electricity, but you know, we have to heat our water. Like I could. not figure out why I couldn't get hot. water for like a week and then she was. like, "Oh, cuz we need to get gas." Wow. >> Well, Mexico is a technical developing.

country. It is not a technical developed. country. There's developed cities. >> I was really shocked by that. But I have. hot water now. >> You're literally moving from the peak of. the first world. >> Yeah. >> Not to [ __ ] on Mexico. I'm sure it's a. great place in many ways, but yes, there. are differences. >> Yeah, I live in a really nice apartment. >> Prices are correlated. >> It's really bougie. It's a bougie. apartment. >> That's why it's expensive. And I pay in. American dollars. It's like for people. that make American wages. >> Uh-huh. >> Anyway, so now that I have more money. cuz I I couldn't even like pay any bills.

because my rent was so high. So, I got. behind on rent. My car payment's super. behind. >> Why? Why were you behind? Why aren't you. making more sales? Why aren't you. getting out there and grinding sales? That's what I did when I was in sales. was trying. You're bad at sales. Sometimes there's not enough. appointments or. >> sometimes you're bad at sales and you. should change careers. >> I am actually really good at sales and I. get told in my first two weeks of this. job. >> You know how you get told you're good at. sales? You get more money. >> 116,000 in the first two weeks. You get. more money if you are good at sales. It.

is literally that handshake reward piece. of cake. People are more scared to buy. things because I don't. >> What are you selling again? It's like. >> closets. Not everyone needs to buy. closet. You're right. People probably. cut back on clauses. Maybe go sell. something people need. >> I love my job though. I get good. benefits. I have insurance. I know. >> But that I might get a second job. That's why I'm here, Caleb. So, you can. tell me how to make more money. And I'm. going to talk careers. I might go into. medical school. >> Yes, I will get you a free course career. certification. We can absolutely do.

that. That is true. Helps a lot of. people increase their income or change. career fields. Yes, it is. >> I'm so sorry to be distracting, but. >> is that even on camera? It's the new. iPhone. >> It's the new iPhone. What do you think. about it? Is the camera good? Should I. get it? >> I guess the camera's good. No, you. couldn't cuz you're poor. >> I could put it on a payment plan on on. T-Mobile. >> Die. Okay. So, great. We did the move to. Mexico. You're going to get engaged and. then that's going to move to marriage. I. guess. >> yes. >> My concern here is just based on this. bullet. I randomly scrolled down and saw. I got kind of lucky on this.

>> You have a chronic condition of being a. U-Haul lesbian. Just situation shifts. endlessly. just in the spring. He almost. moved in with um the someone named Sarah. and Sarah didn't let you. >> No, I'm Sarah. >> Oh. Uh oh, sorry. She almost moved in. with you. You didn't let her. And then. you [ __ ] like you're moving every and. you're about to get engaged in this. Mexico thing. You're doing full. lesbianism. You're going full- but. you're U-hauling across a border. That's. a that's a intense lesbianism. >> I'm really proud of myself. This is like. my dream. I've always wanted to move out.

of America. I'm like really happy about. my move. >> Okay. Are there any logical reasons why? Cuz. >> the money the money. >> Okay. Money can be a logical but usually. that follows cost of living goes with. the cost of like if you lose your job. >> I can get another one in San Diego. >> Okay. You are way too confident on that. And remember when you just Hey, remember. when you just acknowledge the current. economic conditions? >> Yeah. >> It is not going to be as. >> I have a lot of skills, Caleb. I can do. a lot of stuff. >> Well, unfortunately that translates to. 3,000 hours a month in one of America's. most expensive cities. So you the skills. are not actually being translated in the. market where they are rewarding you.

based on those skills. It's actually. suggesting that your skills are low. >> I mean, that is. >> I sold the market and this month doesn't. matter. I don't give a you averaged it. out. [laughter]. >> Okay. But the money thing could make. sense. It's usually for like more secure. remote jobs that are able to move. somewhere else. But, you know, like. Mexico City or something, but leaving. America just just the money thing, you. know, disposable income. Do you know. what disposable income is? >> It's like money you can spend. >> Disposable income is after everything. your needs, your insurance, your health.

insurance after everything. Compared to. the UK, compared to Germany, compared to. the most developed countries in Europe. where people grass is greener say. everything is better, which they do. build their communities better. I will. say that in terms of walkability and you. could use a walkable community. The. thing is disposable income after. everything which includes their taxes. that pay for the things that we have to. pay for the private marketplace. We. still have more money left over. >> everywhere. So yes, it is more expensive. here, but we have more money left over. at the end of the day anyway. So it's. okay. So it's good.

>> So that's a good thing. So that is also. an invalid complaint. San Diego and. Seattle are expensive. Satis, but. there's many places you can go. Okay, cool. Any other arguments for your. disdain that is requiring you to leave? >> Also, my girlfriend didn't want to move. here. And. >> yes, but you said you always wanted to. You've been with your girlfriend like a. classic lesbian only a few months. Yeah, we met on um. >> what? June 7th. So, it's like 6 7. >> Oh my. You're getting engaged tomorrow.

[laughter]. >> No, not tomorrow. Next year. >> This month. Come on. Shut the up. Okay. So, any other logical reason that you. had before you met the woman of your. dreams a couple months ago? >> I mean, the money. I'm excited for that. >> No. Oh my gosh. >> I don't know. THERE'S NOT ANYTHING I. LIKE, BRO. >> We statistically have disqualified the. money argument and we've disqualified. the the hate crime argument. for me and. for my finances, it makes more sense. So yeah, Sandy, >> so no other valid arguments, nothing. that we can back up with statistics or.

metrics or anything real. >> my personal situation. >> other than I doom scroll and that makes. me sad. >> No, I don't. >> Yes, it is. That's all you get. >> Come on. You just get flooded with. information that is negative about our. culture, which is a very fair thing cuz. that's a very bad part of our society. right now. opinions come from my. conservative family. >> Well, if you surround yourself with. people you have a veim disagreement of. world fear-wise, then obviously you're. going to only associate negativity with. this culture. And I I think people.

should get out of their bubbles more. So, I can't believe I'm about to. advocate for this, but you can move to a. place and surround yourself with people. who have the same group think as you. >> You don't have to leave the country for. that. >> Well, I wanted to leave the country. though. I'm very happy with my move and. I feel like it was good financially. >> Good financially. I mean, I have a. payday loan in front of me. time ago. >> Okay. And it's not paid off. Like I I. don't really know. The good financially. is relying on you cannot lose this job. >> Now I have. >> And if the state of your commission. checks coming in from the most expensive. city, I wouldn't be so confident on you.

keeping it for a long time. >> I think I'll be fine. >> Great. What a boat of confidence. >> Well, I can go like I'm I don't have a. worry of losing my job. I've been doing. good the past few months. So, >> it's a lot of typing there. K. >> Yeah. I'm looking things up cuz. >> Oh my god. You're going to get cancelled. for saying that word. >> My audience isn't full of people like. you, the endless pearl clutchers who are. sensitive about everything in this. world. >> I was making a joke. >> You're fleeing the country. >> It's like a lore story, too. I literally. when I was moving, I was like, do I want.

to look back? >> But the you are the type of people that. cancel people incorrectly for over. sensationalized [ __ ]. >> I want to make it clear. I'm not one of. those blue-haired. It. >> has nothing to do with liberal. It has. to do with the people themselves. You. said it is unsafe for trans people here. So, you're fleeing to a safe that a. place that is objectively twice as. dangerous at a minimum. >> Like, I just don't like America. Like, that's like my thing. >> That's your thing. That's your. personality. >> NO, NO, NO. IT'S NOT MY PERSONALITY. IT'S JUST LIKE MY THING WITH AMERICA. I.

just don't like it. >> So, first of all, is back and better. than ever. Second of all, not going to. get cancelceled cuz I have a good. audience that we can disagree on things. and we don't kill each other for because. we're noting living on Reddit and Tik. Tok. >> I don't go on. >> We have normal people. We are filled. with normal people. Okay. >> Okay. >> So, in New York, one of the blest places. was the one hate crime that has happened. within the last calendar year on a. transgender person. One. >> are what about the Sam Nordicquist in. Florida? Was that more than a year ago?

>> That that that is that was New York. >> I don't think that was New York. I think. it was Florida. >> February 2025, New York. 24 year old. transgender man whose body was found. after alleged prolonged torture. Five. suspects have been charged with. secondderee murder. See, people are. actually being held accountable, unlike. in Mexico. By the way, >> uh, five suspects have been charged with. seconddegree murder. Authorities so far. state there is no indication of yet of a. hate crime motive. >> Wow. But it was hate crime. So, >> dude, that's that's authorities.

in a blue hyperblue state. As in blue. prosecutors. >> A hate crime though. >> I'm glad we can just say that. Even. though the authorities in the state that. would say it's a hate crime more than. any other state other than California. says there's no indication of that yet. >> I would say it was a hate crime but. >> Oh great. >> it's based on feelings I guess. >> feelings over facts you know. >> anyways regardless of that I don't want. to live in America. >> I know I just wish we were able to. >> do I have to change our entire life.

>> to change your entire life. >> yeah I love changing. >> to throw away for everything within just. a couple months of knowing But I'm not. throwing everything away. I still have. everything except for a better financial. situation. >> No, it's risk. It is immense risk. because the economic conditions is you. are uh you were able to self admit plus. you not making that much money. suggesting you're not that good at your. job. >> Don't think that I would have a problem. getting another job. >> You're selling closets as we head into a. potential recession. >> I know, but I would be able to get. another sales job or go back into that.

easy. You have hubris beyond hubus. >> I've gotten every single job I applied. for. girl, you've only been an adult being. able to apply for jobs. >> I've been working since I was 16. >> Okay. Since 16 in good job markets. You've never experienced a bad job. market. >> Well, >> in your adult and 16 life, you have. never experienced a bad job market. >> I think I would be fine. Plan on leaving. my job. >> What a what a thrilling argument. So. that's why I'm trying to have it because. if there is a true logical reason for. why you are willing to blow up.

everything and put yourself in risk. before you even have any savings before. you do anything to move to U-Haul. lesbian and move in with a girl you've. only known for a couple months and get. married to her. That's why I want to. know if there's a logical reason if you. had it. I would advocate for it more. >> Like my apartment I was behind on rent. I was going to have to move out. I. couldn't afford anything else. >> You are bad with money. You were willing. to work on skills. You said you're. abandoning. >> But where was I going to move if I got. evicted? Where was I going to move? I. couldn't afford. >> We We could We could look up a ton of.

places. You might have to commute far. You already are now. >> There literally. >> you might have to move cities. I don't. know. >> I would not move. >> It's you being irresponsible and us. having to work on actual real solutions. >> Going to be responsible now, Caleb. >> Oh, good. That really changes it. >> What's your What do you think your. hammer financial score is? 0 to 10. Zero. being the worst, 10 being the best. Quick note, remind me that I have a. question about um retirement later since. we're talking about this. Anyways, um. zero, >> you want your Hammer financial score, see where you stand in the world of. finances, where you're doing well, and.

where you're doing [ __ ] and what you. need to do to improve. It is a free. assessment, only takes a few minutes at. caleb.com. And if you don't want to be. like a guest who ends up on this show, make sure you download the dollar-wise. budgeting app at dollar-wise.app. It is honestly changing the entire game. It is an incredible budgeting app. New. features being added quicker than any. other budgeting app. Tens of thousands. of people are subscribed for a reason. It is because it is the best of the. best. Make sure you do that dollar. wise.app. Take a free trial. See if you. like it. And if you do, sign up for the. annual version to save a lot of money.

And when you do, I will personally sign. my budget friendly cookbook and mail it. directly to you. That is only existing. for the next couple months and then it's. going away forever and it can't be ever. purchased. Okay. So, dollarwise.app. All. the links are in the description. Let's. jump into these numbers. >> It's a lot of memorization, Caleb. So, I. mean, as I've mentioned, first thing. right below my nose right here. >> Yeah. Payday loan. >> Payday loan. Tell me about this. What. was happening? >> So, [clears throat]. >> and when and what? October. Oh.

>> Oh, last last was October. Okay. >> Oh, yeah. I was about to be like, this. is I have not paid them, so I know this. isn't recent. Anyways, I got this like a. year ago, and I'm pretty sure that I I I. don't remember what it was for, but I. was broke. I was in Washington though. cuz I did try to tell them that I lived. in Washington again to try to get more. money but cuz they get 700 there. >> WHAT'S WRONG WITH YOU? WHY DO YOU want. more? Why do you want to go deeper in. the hole? How does that make sense? >> Um well this was this was a year or can. you guys believe that? Sarah. >> Okay. Yes. Yes. I see that was your real.

name. >> This was a year ago Sarah not me now. So, and also by the way more, >> it would be so funny if you gave up your. if you like gave up your your US. citizenship, you became a Mexican. citizen, and then you decided you hate. it. I would love to see you climb the. fence. >> I don't know that I could. >> That's what I'm saying. [laughter]. >> The fence is it's actually like pretty. tall, but if I starred myself enough, I. might be able to squeeze through. Take a. long time, though. Yeah. >> Yeah. [laughter].

Or going across the Rio Grand. >> I don't know what that is. Uh well, it's the river. >> Oh, I like to swim. >> That separates the largest part of. >> I can swim. Took swimming lessons. Yep. >> Just let me know if you ever want to do. that. We can start a whole series around. it. >> No, I'm getting dual citizenship. >> Yeah, you're going to pay taxes forever. Okay. So, yes, the payday loan. >> Um I took it out. Don't really remember. what it was for. And then. >> don't remember what this was for. When. did you take it out? When did you take. it out? >> A year ago. >> How the can you not remember what you. took out a literal payday loan for a.

year? It wasn't a lot of money. So. clearly, it was probably like, >> "Oh my god, >> they probably charged me at the last. payday loan and then I took out another. one to replace.". >> So again, this is this is another part. of my concern. Again, I do not have a. problem with you moving wherever. You. can move wherever. I do not care. You. can go full and ran if you want to. I. don't give a um they will throw you off. a building, but I don't give a. >> Here's the thing. You are using this. move as your cope, as your solution. instead of actually ever building the.

behavior and implementing the discipline. that you should have to live that better. life. >> I'm going to have more money now, so. I'll be able to pay this stuff off your. job. I paid my credit cards after not. paying them for months recently. >> Wa crazy. Oh my gosh. >> I'm really proud of that. I put them on. automatic, too. I'm pretty sure. Dude, again, listen. What someone does right. before coming on the show where they. know their finances are going to be. looked at is not indictive of their. future. >> I actually don't remember. >> I doubt it cuz I would see it in here. and we will see it. If that's the case, I will see it in here. I highly doubt.

it. Okay. So, you don't know what you. borrowed for? >> No. But. >> And why haven't you made a payment? >> Well, because one, um, I didn't want to. just like keep in the payday cycle and. then I just didn't have the money to. like. >> making a payment. How does that keep you. in the cycle? Because you wouldn't have. money for anything else. >> Yeah. Exactly. And what was your. spending on it? If I look at a Okay, when was this? This was. >> This was like last year. This is. probably like. >> Name what month you think this? >> I think it was January. It's the. beginning of this year. >> January of this year. >> Or maybe December. >> What account do you spend money on? >> I only have one bank account. >> Okay. Pull up your mobile app and I'm.

going to look at a statement from. January this year when you took out a. payday loan because we couldn't put make. a payment towards only a $255 balance. because we would be stuck in the cycle. So, let's see. from January THIS YEAR. WHEN YOU WERE dating someone else who. almost moved in with you by the way. And. I'm glad we're getting married. >> I was I was dating someone else at the. time. Well, we just broken up. >> Oh, right. And then and then the spring. time. The spring times when you almost. moved in with someone. It's only been. four that we've almost married this. year. Come on. Keep going. >> No, I did not marry that girl. Oh my.

god. Wait, hold on. I might have to log. in on the on the thing cuz it's trying. to send me a code. >> I [laughter] might have to log in on the. Hold on. Just give me a second cuz it's. trying to make me verify my phone number. and I have a new phone number. So, I'm. going to try to log in via not the app. >> How do people like you exist? >> I don't know. Why isn't it working? You're going to yell at me, huh? I'm. waiting. I'm scared. Okay, [laughter]. remind me later. >> They talk about retirement. Get the. luck. We're talking about a payday loan. right now. And you think we're going to. talk retirement?

>> Um, I don't know if it's going to let. you. No, it's cuz I have an retirement. account and I need you to tell me how. much I should put into it each month. >> Zero. Pay off your payday loan. Anyways, so I don't know if it's going to let me. because it says online banking is. temporarily unavailable, but you can. like press the things and try to figure. it out. Yeah, you can just. >> What is wrong with you? >> I don't It's not my fault the bank's. doing that. >> Wait, tax statements? I don't want tax. statements. >> I just saw it. >> Oh [ __ ] I'm absolute. >> Do you need help? >> MAYBE. I DON'T KNOW.

>> IS THIS TO ME? >> I'M trying to find statements and I saw. it. I saw it. I [ __ ] saw it. >> Let me help you. >> Wait, no. Stop. [laughter]. >> I saw it. >> Do you ever get Dutch Bros? >> No. I'm not aing animal. >> I love Dutch Bros. >> Well, you're. >> Listen, this is my favorite sound. Caleb. >> Anyways, do you want to know how I. discovered I was a lesbian? >> No. >> I was in a throppple. >> I said no.

>> Okay. So, when she was afraid to make a. payment on her 300. uh $255 payday loan cuz it would keep. her in the cycle. >> Here is what her month of January looked. like. I. >> think I made a lot of money that month, too. >> Better buzz. >> Looks like a bar or a restaurant. She. spent about. >> That's a coffee place. >> Coffee place. $12 there. >> Um she spent uh something squareup.com. $100 out.

>> I don't know what that was. I don't. know. Looks like Oh, there's Dutch Bros. 1476. >> Love a Dutch. >> She loves a Dutch and a Mexican. >> Mhm. >> Williams Taylor. >> I don't know what that is. Oh, that is. another loan, I think. >> Oh, good. >> Williams Taylor. I don't know what that. is. >> Services Alaska International. >> Yeah. Oh, my I went on I flew home and. my dad my dad Venmoed me the money for. that. I got to fly first class. Coffee. driven $5.

Vote out $200. Cash out. >> for my dad to pay him back. >> Prime Video. >> Yeah. >> Planet Fitness. I mean, I I I'll support. that for sure. >> Yeah. >> Amazon. >> How much was Amazon? Is it like a. subscription or did I buy [ __ ]. >> I've already moved on. Prime Video. That's just endless amount of cash app. By the way, Audible when you're in a. place that definitely has a library. when you can't make a pay a payment on a. payday loan. I don't give a They're on.

Spotify. >> Oh, that's just true. >> And I guarantee you probably have. Spotify. >> I do. That's how I listen to you, >> Kayla. So, why have two? Really? Great. Thanks for making me less money. >> What do you mean? Would you rather me. watch through YouTube? >> Yes. And it's uh ahead by a week. >> Okay. I will start watching on YouTube. for you. >> It's fine. No, Spotify is good, too. We. We like both. >> It's because I have. >> Amazon Cash App again. It's Williams. Taylor things everywhere. >> How much is it? Courtyard [ __ ]. That's Look at all of this that is.

happening. All of this that is at POS. withdraw. No, these are like purchases. that are being done through cash app. Dude, you're spending [ __ ] Cash app. [ __ ] Cash app [ __ ] Cash. [ __ ] Cash app [ __ ] Cash app. [ __ ] And I can't see what they are, but it's you at a kiosk spending money. through cash app. You're doing all that. work while sitting here and crying. I'd. be stuck in the payday loan cycle. You. You're a liar. Disinguous. cannot make. me feel sympathy for you being in a. payday loan cycle. You can't when you go. and blow all that money on Dutch Bros.

coffee [ __ ] and endless cash app. tapping at a kiosk. [ __ ] you. You spent. [ __ ]. >> It is unacceptable. You can't tell me. you'd be stuck in a payday loan cycle. You're choosing to by your [ __ ]. spending. I don't want to [ __ ] hear. it. >> I ended the cycle because I haven't paid. it and then retaken out more money. So, I'm halfway there to ending the cycle. Just pay it and then close it. This is. not an ad. I actually need your help. with something cool I'm trying to build. Financial has gotten pretty dang big.

over the past few years. I went from. filming on my kitchen table in my condo. to renting out an entire office with. multiple sets, a [ __ ] ton of full-time. employees, and some big-time sponsors. Now, how I dialed in the exact formula. for making videos that gets hundreds of. thousands of views every single time. From thumbnails and trailers to editing. and audio, we've got this whole YouTube. thing down to a science. And the thing. about science is it's meant to be. taught. In fact, I've been thinking. about doing a little YouTuber academy. for a while now, but I need your help.

first. If this is something that you're. actually interested in, can you fill out. the form linked below? It only takes. about a minute and it'll let me know. what I should actually include in the. academy. So, fill it out and stay tuned. Honestly, it would help me out and I. want to help the next generation as. well. So, if you want to be included, just feel free. 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 Gamers. >> Literally, the cherry flavor is insane. >> Listen, you can also get free samples to. see if you like it. For 10% off your. order at gamersubs.gg. or click that link in the description. below. Type in code Caleb. But then I. would worry that I would want to take.

the money out again when I call. >> That's why you close it. >> How do you close? >> Are you dumb? You call them and you. close it. >> You're like, never lend me money again. >> You close your account. I don't think. you can do that with. >> you can probably close your account. It. would be really weird to have an account. somewhere that you are incapable of. closing. I would be absolutely shocked. Listen, I'll let you use the Fizz card. I don't know how it works with Mexico. specifically, but at least it's a debit. card that builds credit. >> Like I work in America so I don't. >> debit card that builds credit so you can. only spend what's in your checking. account cuz obviously if we're taking. payday loans and [ __ ] you're going. absolutely moronic.

>> Yeah. >> It's been a while though. >> Okay. They don't call me anymore. That's. why I've like kind of like put it on the. side burner and it hasn't gone to. collections. So, this is like end of. priority payment. >> yet. >> Yeah. >> With you. What the even is this? I've. never even heard of this in my life. >> It's like a mistake. Um, >> is this with you or VV? >> It's with you loans. They're like a Lone. Shark company basically. Oh, good. Cuz. they probably loans 300%. It's not a. payday loan. It's like a personal loan.

They charge like 300%. Um. >> Oh, that's fine. like payday loans. >> I. >> madness. >> actually uh called my bank and had them. like not allow them to pull payments. from my bank account. >> Why? Why don't you pay your bills, dude? >> Okay, but they. >> What's the normal minimum monthly. payment? Cuz obviously there's just. stacking up. It says 7074. >> They have it. No. Okay, so they're not. in charging interest anymore right now. They're trying to just get me to like. make a settlement with them. >> They want Yeah, they just want me to. like pay like what have they said? So.

that 707 look can I see the paper? Sorry. Just I just need to. um Okay. So Okay. So the amount due. right now is the 16.49 and the 707 is. like a bunch of payments like stacked up. cuz I didn't pay. >> I've already said that. >> This 1649 is So they basically are. trying to settle with me for like 1,200. I don't want to pay them that much. >> Very good. Well, that is money that you. borrowed and signed a contract. already.

>> So, who the are you to say, "Dude, you. signed the contract. The interest I. don't like this type of product. >> and I didn't even learn my lesson. It's. really bad.". >> Uh, yeah. Almost like you fleeing. >> a company with loans, but an ethical. loan company. Caleb, >> there's already ethical loan companies. I mean, there's ethical loans. >> Make more money. >> Even this, I mean, depending on how they. marketed it to you. I would say never. get the loan doesn't mean they were. horribly unethical about it cuz you. still sign the contract. It's a [ __ ]. loan. I don't like it. Obviously, it's. not the product I'd advocate for, but.

>> I would recommend. >> You sought it out, right? Or did they. seek you out? >> Uh, no. I saw it. Well, I found them. like when I was like 19, >> so Oh, not my brain wasn't fully. developed. Well, technically it's still. not cuz you're 24. >> Yeah. >> According to where that you get the rest. of your information. >> Anyways, so that's what's going on with. that one. >> What is the normal minimum monthly. payment? Please, please, please. >> I think it was like $150 every two. weeks. I think that's what it was. It's. been a while. CALL IT THREE. I'LL CALL. IT 300 for.

>> Do you know anything? >> This one like I can just settle with. them. So I I want to put this on like a. later problem. >> cuz it's not in collection. >> Unless send it to collections. >> I Okay. I would rather do a settlement. on this one though. Can this. >> I would too, but they're probably. accepting that internal collection. settlement and then if they feel like. they're not getting it, they're just. going to sell it for pennies on the. dollar to a collections agency. >> Okay. We'll talk about it at the end. when you make the budget. What? >> I've I tried to make a budget and this. was not in there. So, >> well, I don't know.

>> I don't want to put this in the budget. Like, >> but there's a flaw in what you're. thinking is what I'm just trying to tell. you. >> Well, I would rather save that money up. and then put a and put a set. >> I'm telling you potentially consequences. of it is it might not always be in. settlement forever. I know internal. collections that by the end of the year. >> maybe and that's if they still have it. by the end of the year. You don't know. when they get rid of it and when they. won't. Have they told you? Then what the. you're doing lots of guessing. >> Okay, I'll you're you're the boss. I'll. let you decide where. Yeah. Anyways,

>> I don't know. I just want to make sure. you understand that you cannot guess the. future. You cannot be confident in. everything. You cannot say I will have. this job forever with collection. You. can't say I will have this job forever. I can just settle with them forever. I. can go get a job no matter what within a. day forever. Your credit score is. already 427. You're like, what are we. >> collect the lowest you've had on the. show? Is it? >> It pretty damn honestly it might be. >> It is. >> It might be. Okay. It officially is. Yeah. Congratulations. World. record-breaking. >> Yeah. Thank you.

>> Of how horrible someone is. And. [laughter] you don't think you I don't. think you give a I really don't. >> No, I do. I do. Cuz I can't get more. credit cards with such bad credit. >> Uh-huh. Okay. Nor should you. You're not. a credit card person. Why would you? >> I will be a credit card person. >> Do you try to pose every time you take a. sip? >> No. I don't know. Was I posing? Sorry. Continue. You made a hole in the paper, Caleb. Why would you do that? Sorry. It was like giving me OT OCD.

Continue. >> I see money owed to dad. What is that. possibly for? He already got your flight. home. >> He buys me a lot of flights home. I love. my dad. >> What? What? What? What? What? What? But. what what do you fly? >> Alaska first class. >> First class. >> My dad pays for it. I actually bought my. girlfriend and I tickets to [snorts] go. home and I didn't get first class cuz I. can't afford it, obviously. And. >> and I'm really sad about that cuz my. son's coming with. So it's hard to fly. with him unless first class. My son's. coming with. >> Son child. >> No. Bear. My dog. One of my dogs. He's. my I birthed him. He was $3,500.

>> Oh my [ __ ]. >> He's really cute. >> Did you pay for that? >> My ex at the time did. And then when we. broke up, >> one of your thousands of almost wives. exes. >> My ex did at the time. And then when we. broke up, my mom and I split the cost to. buy him from her cuz he was my baby and. he's my mom's grandpup. >> When was this? >> A couple years ago. >> Oh, how'd you pay for that? >> Um, well, I got. >> You couldn't pay a $250. >> and I got a settlement from it, like.

20,000. So, I paid off my debt. >> But it's very topical. I'm I'm not. trying to be mean. When you fly, >> cuz my dad's bougie, so he only books me. first class seats. >> But when you fly, >> I fly coach. Are you kidding me? I'm. poor. Uh-huh. >> I flew Southwest here. >> Uhhuh. And that was with. >> my girlfriend. >> One seat. >> What. >> seat? >> One seat. Yes. I can fit in one seat. >> Okay. It's It's very topical right now. cuz sometime sometimes people think they. deserve. >> and I don't need a seat belt extender.

Okay. I can buckle in. I don't I can. buckle in. Suck it in, you know. >> Okay. Cuz some people think they should. get a free extra. >> No, I'm Are you kidding? I'm not like a. fat advocator. Wait, you beat your ex? >> No, I did not beat my ex. I slapped her. cuz she made out with someone in front. of me. >> But. >> abuse is always okay when it's women. >> It wasn't. [laughter] It wasn't abusive. >> If I slapped my girlfriend, would they. say I'm abusive? >> I don't know. >> No, the answer is yes. You.

>> Are you serious? >> Well, I don't know. It wasn't like that. hard and I was really drunk and she was. making out with someone. Guys, if I was. really drunk and clapped my girlfriend, would it be abuse? These double. standards are insane in our culture. >> I did not beat her. I hering. bam. >> Was a little less aggressive than that. But. >> well, that's what I think when I think. of slap reenact. >> It was like she was like, "Oh, I just. like loved making out with somebody else. blah blah." And I was just like, but we. had like we like it. No way. It was.

that. >> It was like. >> No, come on. Be real. How about I am not. that like Yeah. I don't It wasn't that. hard. It wasn't as hard as like you're. like like this. But. >> can you bring your face into frame real. quick? [laughter]. >> I'm not going to slap him. >> No, he's given consent. Didn't you? >> Okay. Reenact, please. I want to know. the exact metric of this slap. >> I don't know which hand. Okay, let me. use my dominant hand. I'm so sorry. I. don't want to. >> take off your tools. >> Yeah, I'm going to take off my rings cuz. I don't want to hurt you. Okay.

>> Substantial. >> I don't know how to like turn. >> Look at her. Yeah. There we go. >> Probably like that. Oh, >> were you guys abused? >> Yes. >> Okay. All right. >> Well, I don't know. I feel like it's We. also like stopped each other a lot in. the relationship like playfully and I. was really drunk so it's like kind of. part of that. But. >> girl, you using this I was really drunk. argument does not work on the other. side. I don't know why you think you get. to keep using. >> I don't know. I don't regret slapping. her. She deserved it. She was a [ __ ]. She stole money from me. She cheated. She did a lot of stuff. So yeah, she.

deserved to be slapped. >> So how much do you owe to your dad? >> 4,500 to three. How much does it say? For what? >> I think I owe $4,000. I borrowed $3500. >> Wait, this ex watches financial audit. and. >> No, that's a different ex. >> Is that You have a,000 almost wives. This is crazy. The way [gasps]. >> lesbians do financial audit. You that ex. um. >> Oh, another one. You It's almost like. every relationship you're in. >> You cheated on me and she was like a. whole thing. Anyways, so the ex. >> I can't wait for you to be saying this.

about the person you're almost marrying. and moving to Mexico for. That's what. you said about every single one of them. while you were dating them. >> All the followup you'll you'll get. wedding pictures. >> Yes. But post divorce. [laughter and gasps]. >> I don't think so. >> Okay. So, okay. She watches financial. aid to find. >> for her to see that you're in love. >> I don't know. >> She's seen you in love a thousand times. though. >> No, she hasn't. We broke up in January, so it's like recent. >> Oh my gosh. >> And we like. >> This is And then one in spring and now. this is crazy. What the [ __ ] The one in.

spring was a situationship and I didn't. like her like that. We just like Yeah. I. don't know. We never dated or anything. [laughter]. >> I'm you a lesbian. I'm sorry. >> Yes, you are. But that doesn't always. but that doesn't always end up good. And. you're literally changing your entire. life for it. >> I mean, if my girlfriend and I broke up, I would still live in Mexico. Like the. money is just better. It's just. >> keep your job. >> Yeah. Anyway, so my dad, I owe him. $4,000. >> for what? Possibly. Um, I was a couple.

months behind on my car payments. >> Oh my gosh. When. >> I saw your spending I saw your spending. It's. >> How can you borrow money from daddy? Daddy, give me money, please, while I'm. going to blowing money. >> This was in last year. >> And if I pull up November, what am I. going to see? A tit. >> Not a lot of money. You want to see it? >> I I will see spending, will I not? You. >> Yeah, but not like enough. >> I will still see spending. You cannot. borrow money from debt when you are. spending on [ __ ]. >> So I had a lot of stuff in collections.

You. >> selfish. >> You paid off my collections with that. >> Last month alone [ __ ] spending was. at minimum $800. I don't want toing hear. IT MINIMUM. THAT'S. >> THAT I want an audit on that. I feel. like that is not true. >> We're literally doing it right now. Are. you stupid? Anyway, >> and then there's other large purchases. of $1,612. We don't know what that is. yet. And then there's unknown shopping. of $327. That could be [ __ ] That. could be [ __ ] and we will find out. if that is [ __ ] But we know for a. literal fact you spent at minimum.

basically $800 ON [ __ ] HOW MUCH DID. you spend? THAT'S A GREAT QUESTION. Could you tell me? >> I spent $4,000. >> You spent $4,642.34. You're borrowing $3,464. You spend $1,000 more than you make. Die. Well, you already. >> I spent $1,000 more than I make when I. >> It's interesting how that works, isn't. it? It's interesting how it works. >> I actually don't understand cuz I don't. have credit cards. Well, there's already. a little money left over. Sometimes we. will go through it and I will show you. Interest goes up. A lot of things.

happen. >> Okay. It's concerning. >> Okay. So, 4,000. This was from last. November. And you've done nothing. >> I pay [clears throat] him back like $500. >> so far. >> Oh. In a for a year. In a year, we've. paid 500. Yeah. >> Of the of of 4,500. >> But I'm going to pay him back fully. because he won't let me borrow from it. again him again until I pay it back. No, he shouldn't ever again cuz he's. enabling you. You you should face. consequences for your actions and learn. from them and you never will because is. there to save his precious.

>> little daughter. >> Right now he's he has other kids that. he's spending his money on right now. So. I don't think he'd let me borrow money. anyways. >> Yeah. Chronically enabling. >> It's great. It's really healthy. It's. going to lead to great life skills for. his kids. >> I have a lot of great life skills. >> Dude, I don't see any of them. >> It's cuz you don't know me. >> Well, tell me. What are your life. skills? I'm really good at public speaking. I am. very like entrepreneury. >> You make 3,000 hours a month? >> Yes. Right now. >> in San Diego. >> it's usually more. Okay.

>> But that's your average. You said. average it out at three. So you get up, you get down, average three. You make. $3,000 a month. That is not indicative. of an entrepreneur that is successful or. a saleserson. The average. >> 3,500. Very good. You're not doing well. for San Diego. >> anyways. >> 4,000. You're not doing well for San. Diego. Well, 4,000 maybe we can say that's. doing halfway okay for San Diego. >> No, honestly still. gross. Cuz that's gross income.

>> Can you do me a favor, Caleb? >> No. >> Okay. So, what else? What are your other. skills? >> I need you to open this for me. >> No. >> I can't with my nails. >> Well, if it was a gamer subs, I would do. it. Instead, you have an Alani like a. creature. >> Well, should I go get one of the other. ones? >> Yes. So, what are your other skills? clearly. not being able to use your hands. >> It's okay. I'm going to figure it out. Let me try to use my lip gloss. >> Can you tell me what your skills are? >> Um, I'm really good at writing. I'm good. at. >> How? You can't even open a bottle. >> cuz I have nails on. I don't want to. break one. Oh my god, it's really.

struggling. Um, I'm really good at. writing. I'm really good at public. speaking. >> You're naming off the most generic like. freshman and college skills. Do you have. anything that's actually translated into. the marketplace? Yeah, my sales and my. serving. And then also. >> making money for sales. >> I have a lot of stuff that I'm doing. I'm just not doing it consistently. enough to make money off of it. Like. content creation. I have a podcast. >> Oh, you have a podcast? >> Yeah, it's a true crime podcast. >> Of course it is. >> Like I got it open on my own, guys.

>> And what's your monthly listeners? >> Oh, I haven't published anything in a. while. So like nothing. [laughter]. >> Yeah, nothing right now. >> And you moved to Mexico, so you will be. a subject of one very soon. >> Wait, what? >> Of a true crime podcast. Oh, I don't. think so. I don't think I'm going to get. murdered. >> Just statistically more likely to. Okay. So, we don't have a minimum monthly. payment agreement with Papa. >> Well, we did, but I pay it. Supposed to. be like $100 a month, I think. >> I'm going to put it at $100 a month. >> Put it in there. >> I will. >> I want to pay him back. >> Okay. I see 2002 an old apartment.

>> Yeah, but they're not like. >> Oh, your podcast is supposed to be with. two other people, but you can't find. anyone else to join you. >> No, like one other person. >> And you can't find anyone else to join. you? >> No, because it's like a very niche. thing. True crime has to be a queer. person. There's no queer people in the. United States, dude. 25% of people identifying with queer. >> If anyone wants to be on a podcast, find. me. [laughter]. >> I don't know how they're going to find. me, but. >> uh you're not hard to see. >> I know. But anyway, so my old.

apartments, I was behind on rent. and I owe them, but they haven't come. after me for it, so I think I'll be. fine. We're not going to probably go to. collections. >> Well, I they supposed to be able to log. into the app to make small payments and. they don't well limit like I'm not able. to get into the app and they have. >> contacted someone. >> No contact to make your payments so it. doesn't go to collection so you don't. fall below 400. >> They never had a payment agreement. It. was just like when I can't make.

payments, I can make payments. It was. never like this much a month. >> Okay. And what do you don't know what it. was going to be? >> They were fine with me just paying. whatever I could. It's like a really. ghetto part. blow it all in [ __ ]. >> I want to put that with like the for. later cuz I have a lot of stuff I need. to pay off now like my car like that to. my old apartment. I feel like that can. be a later problem like these two. >> It can be but how long has it been? >> Like 2 months. This is my most recent. apartment. >> This was 2 months ago. What is wrong. with you? So that's why it's not in. collections yet. You're a mess. How How.

Oh my gosh. And you're indicative of an. entire group of people, too. This is. crazy. I don't know how we're going to. make it as a civilization. I really. don't. I really don't. >> I really don't. And you're just blowing. all your money getting your [ __ ]. And you like the Elani? >> Yeah. >> Okay. So, >> I probably need to like start buying. >> cases. You don't need to stop bing. buying cases. Instead of making your. coffee at home instead of getting. stopping and getting your Dutch Bros. Make your coffee at home for cheaper. Instead of getting your [ __ ] energy.

drinks, tastier ones here. This powder. is 25 cents a serving. It is gamer subs. 25 cents a serving. You can get free. samples right now. Link is in the. description. Uh type in code hammer or. get your 25 cents a serving with 10% off. using my link as well once you figure. out what flavor you like. Take it at. home. No more stopping in and getting. some [ __ ]. >> Caleb, what is this? Guacamole gamer. fart. >> Yeah, they're very goon. And this one's. uh uh lean. >> Guacamole flavored. >> This one's lean with Steve Harvey on it.

um. >> is not racist. >> I I don't know because then I have to. like mix it with like ice and. >> No, just water. It's water. It's water. It's water. I know this is a lot of. working out for you, but you just have. to shake it up a little, dude. >> I don't know. Maybe. >> instead of a $4 energy drink. Are you. >> these at Costco? >> Links in the description. You guys do. it. She won't cuz she's broken. But get. your energy drinks. Make them at home. 25 cents a. >> broken. >> Okay. Next. >> So, we don't know what our minimum.

payment is going to be on that. Okay. No. >> Indingo. >> This is a mess. Caleb, what are you. doing? >> I wish you didn't touch my [ __ ] cuz what. if I need to go back to it and I know. where it is. >> I knew where it was. You absolute beast. >> Spread it out for you. >> Okay. Wow. We are over the limit. >> by $450. How the did you even possibly. achieve this? So you owe $1,45049. There's a limit of a,000. What is wrong. with you? You are a creature of the. night. >> I just haven't paid it in a while. Oh,

so there. >> IN A WHILE, I WOULD SAY. SO, [laughter]. >> so the interest added up. >> I know it's payment is probably 50 bucks. a month, but you currently owe 300. >> 60. >> Okay, I'll say 60. >> cuz I have it like Yeah. >> Yeah. Pass a lot. INTEREST, FEES, [ __ ] DEATH, ALL ACREWING, four. years to pay off. >> It also has a $250 yearly fee that I. didn't know about cuz I don't know how. to read. >> Why? What are you even getting with this. card? I don't even know. It's a. Mastercard of some kind. I don't know.

what comes with this. $41 late fee. there. Yeah. Late. Yeah. Every month. this year so far. Of course. We're not. We're not even shocked. >> I don't think it's every month cuz I got. it in the. >> I'm pretty sure it's been every month. since you've had it. >> Probably. No, I think I've paid it. twice. >> You t I don't think so. I doubt it. Highly doubt it. No. You're above the. limit. Acuring hundreds in interest. 35.9%. interest rate of insanity. Of insanity. What did you even use this card for if. you've overm maxed it out since spring. and don't make payment since spring?

Since almost three girlfriends ago. All. right, let's talk about something most. people straight up ignore. Your old. 401k. Yeah, that retirement account from. your last job that's just sitting there. somewhere. Probably meant to roll it. over months ago, but between job changes. and figuring out how to adult, it got. buried deeper than your New Year's. resolution. Did you all even know that. 25% of all 401k assets are lost or. forgotten? That is your money just. floating around and trying to roll it. over. That's a whole circus of phone. calls, paperwork, and maybe mailing a.

check like it's 1995. But Capitalize. makes it stupid easy. It is a free. cashiier platform that helps you find. your old 401k, open or link the IRA of. your choice, and boom, they handle the. rest. I didn't even have to know where. my old account was. They tracked it down. for me. So roll over your old 401k. today. Hit the link in the description. or go to highc capitalize.com/caleb. Your future self and your net worth will. thank you. Want to know a dirty little. secret? And no, I'm not starting an. only. You're not broke because you suck.

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get started. >> Um, I don't know. [laughter] I don't. remember. Probably like Dutch Bros and. shopping, maybe. >> Fine. Pull it up. Pull up the app. >> I don't have the app. >> Are you What is wrong with you? >> I don't know. >> Deleting it doesn't delete the balance. >> I never I don't think they have an app. This is like one of those No way. You do. not HAVE AN APP. YOU Oh my gosh. >> What is wrong [laughter] with you? You. are you There is something wrong with. you and I don't understand it. >> I'm logging in. >> Has the diabetes made its way to the.

brain? I don't know what is happen. >> I don't have diabetes. I'm in very good. health for being fat. I just went to the. doctor. I have like great blood sugar. and blood pressure and all that [ __ ]. It's cuz I do work out. Even though. >> Cuz you're 24. >> I also work out. So. >> you will not want this at 30, let me. tell you. >> No, I'm trying to lose weight. I'm. actively losing weight. I've lost weight. and I'm actively losing weight. In the. post show, you guys will see me. skinnier. So, not post show. Sorry. The what is it. called? When you come back, >> the followup. >> The followup. Yeah. >> I hope so. Obviously, I encourage it. Obviously, I'm joking with you and I'm.

meing on you and I got consent before we. filmed. I directly asked. >> I'm downloading the statements. >> Well, I just want to see of. >> Okay. >> your first month of this using this. >> So, this is the first month. I don't. think it was very long. So, there's not. like a lot of stuff. Oh my god. Ah, this. is one like like my first actually I. don't know what I bought at that smoke. shop. I do have a vape addiction. My. vape died yesterday. >> Okay, they immediately put insurance on. there for car and the book Kappa San. Diego, Yogurt Land, Jack in the Box, Red. Eye Shop, Rose Donuts is all [ __ ]. It's all [ __ ] except for the car.

insurance. That was insane. That was. insane. What is wrong with you? You are. broken. You are broken. You are broken. You are broken. You're broken. Next. statement. [laughter]. [gasps] Next statement. M. [clears throat]. >> Crab Hut, PayPal, Earth's Element, Mandarin House, Coco, Von San Diego. You're you're you're this is all. [ __ ] Yeah. And then you're like, "Well, I can't pay. I'm still porn. Look. at me. Poor me." Shut up. >> Shut up. A while ago, it was in the. springtime. >> A long time ago. >> Die. Die. It was in the spring time.

>> Time for me. >> It is true. When you live a much much. shorter statistical life, each year. counts for longer time. >> I know. [clears throat]. [snorts]. >> Capital One credit one. Sorry. >> I do have a Capital One though. It's. probably next. >> Great. >> Oh, it's maxed out. >> Yeah, >> it's over maxed out. Over the limit, $449.20.

Limit is 300. Minimum monthly payment is. normally 60. No, the minimum monthly. payment is normally 30. I was just. behind. >> But you Oh, I'm just behind. Yeah. $129. Fine. >> What was wrong with you? Interest and. fees. Late fee. >> Interest late fee every month this year. What's the point? When did you get this? What was this spent on? >> I got this one a couple years ago, like. when I first got a credit card. >> Has it been maxed out that long? >> No. No. I I'll pay It's just been maxed. out for the past like 6 months. Pay it. off. >> Changed in 6 months. Well, I just wasn't.

making a lot of money and then my rent. was expensive. >> Work was really slow. >> You are bad at this job. >> No, I'm actually really good at this. job. Like like it's been like I've had. like we had a really good pro and I sold. a lot over the last couple. >> sales. The only measure of you being. good at a job is the number that comes. in. You do not make great money for the. area you live in. You are not good at. this job or the job sucks and you need a. different job. It is one of those two. things and it's not anything else. Well, I've been told by a lot of my clients. >> No, your clients are telling you you're.

good at your job. That is not great. That's better than a commission check. A. gold stand like sometimes people aren't. buying like $30,000 closets, you know? So, >> dude, like new job. >> New job. >> I want to get a second job. We'll talk. about that later. I think. >> also in San Diego. Yeah, obviously. >> cuz Mexico is not going to stretch far. >> I'm not going to work in Mexico. I'm. working in San Diego. >> Yeah. So, are are you ever even going to. be in Mexico if you're already up there. six days a week sometimes? >> Well, I commute. Like, I go back. >> I know. And it's a long ass commute,

too. >> Well, I don't work for very many hours. I work for like 2 hours. >> Well, maybe you work A BETTER JOB. >> I love my job. >> I don't care. I want a second job. I. know, but I I love my job. And my. insurance, I get free therapy, Caleb. >> What? You can get that with a lot of. insuranceances. >> Not for free. I get to go. every. insurance. But even still, if you make. substantially more and you have a co-ay. for insurance, you still net make a lot. more. >> I don't know. >> I don't know. Okay, great one. Good one. Really, you really solve the issue. >> Insurance. I have Kaiser. It's a good.

health insurance. >> It doesn't It's not necessarily the. company. It is the plan within the. company that matters. >> I only pay $100. >> Well, it sounds like you have a good. health insurance, but still, you can. still net more. >> Mileage reimbursements. I have really. good benefits at my job. I just need a. second job. I need two of them. The. people who think benefits that count for. honestly pennies on the dollar are more. important than the actual money that is. being made are why those companies are. able to pay you less to stick there. >> You think it's valued more than it is.

Good benefits are important, but still. if you make more money at the end of the. day after benefits and everything and. co-pays and blah blah blah blah blah, gas even. >> I get gas. That's what I'm saying. you. Oh, she's. >> Oh, you are so. >> sorry I lost track of what you actually. I think you might actually be stupid and. that is concerning. >> sometimes. >> That is concerning because no one else. would do what you're doing. So, >> wait, why? Cuz I'm commuting a lot. >> Just your entire life, what you're. doing, the structure, just the your your.

your cope for the reason you're leaving. Like, if you're if you're leaving as. I've always wanted to live in Mexico, >> I can vibe with that. But your. reasonings behind the leave America were. stupid. >> You are not a smart individual. >> Thank you. >> Capital One. >> This one I got when I got the Indigo. Master Card. >> So. >> recently. >> early. Good. Bring up your first month. >> Uh, believe it or not, she's over the. limit. $281.92. with a $200 limit. Minimum payment is.

$25. You actually made a payment. surprisingly. >> $343. at the beginning. Then fees and interest. because she was still late. Pass due. Pass due every month she's had the card. and interest acrewing like [ __ ]. No one is surprised. You just can't. manage debt to save your life. I like I. just I don't know. Like I I. [clears throat]. and I feel like you're going to even. have less incentive to pay your [ __ ] cuz.

you're already. you're. you're leaving. And so I was just like, >> "No, >> but I know you're not pay." I know, but. I feel like you're going to feel less of. a need to. >> No, I feel more of a need to now that. I've moved. >> because now I actually have like more. money and I want to get my [ __ ] paid. off. >> Why do you want to pay your [ __ ] off? >> Um because I want better credit. I want. to buy a house. I like. >> where. >> in Well, in Mexico it doesn't matter. My. credit is cuz I'll get new credit, but I. want to buy houses in America too and. like Airbnb them and stuff. >> Oh my gosh. Oh, she's she's okay.

[laughter]. What the is my username? >> Oh, we're having technical difficulties. >> No, you're having brain difficulties. That's how this conversation has been. defined. >> And if you don't change your behavior. anyway, the moment you start working on. your credit in Mexico, you're going to. immediately tank it. >> Um, >> without changing your behavior from. >> I'm pretty sure they like like you. really don't want to up on your credit. there cuz they'll handle you. >> So like the bank will like [laughter]. Yeah. So you really got to pay them. back.

>> They'll kill you. Well, I mean, I guess. it depends on who you borrow from, but. >> yeah, if you borrow from a gang. >> Well, do do the cartels own the bank? Is. that a thing? Like, I don't know. I'm. not much into the lore. >> either, but they do. Like, if you own a. business down there, you have to pay the. cartel. >> in every city. >> Mhm. >> Yeah. >> Okay. >> I'm just having technical difficulties, so I have to do a whole thing to log in. >> So, >> I can multitask, though. >> Drive just a few hours and all of a. sudden, we're there. It's so crazy how. different a society can be. I'm just a.

few hours. >> Mhm. >> What is this? A firm? Is that what I'm. looking at here? >> Yeah. >> CLA. >> Oh, well, I don't Are the other ones on. there? They should be. >> Pull up your CLA. >> Hold on. I'm still trying to get the. move on. I'm sorry. I know it's all. [ __ ] You like I'm not surprised at. all. >> $152.226. owned on CLA. I did put the rental car. Amazon. Amazon. Amazon. Okay. Pull up Turo. You.

paid for Turo. >> Well, it's because I got I got a rental. car for this trip, >> but I'm going to pay it with the. reimbursement I'm getting. It's cuz. Ubers would have been more expensive. >> Fill up your Amazon. You What's wrong. with you? >> Um, orders. >> Minimum payment is like 50 bucks. >> right here. >> Yeah, like 30 30 $30. Okay. She has 19 things in her cart. right now. Oh my god. Okay. Resistance. bands, yoga mat. That's good as long as.

you're actually using them. Cuz I'm. already going through here and I'm. already seeing a lot of workout things. I don't want you to do that. pre-overinvestment before I. >> used to go to Pilates. >> Sponge pack. Pilates ring set. >> and it was $200. And now I'm more Oh, you love to talk. right when I talk about things that no. one wants to hear. >> It was. still going. [laughter] Sponges. >> I needed those sponges. And then in the cart we have a cutting. board. Endless dye. More dye.

>> It's for Christmas presents. >> Fake cacti or real cacti. I don't even. know. Molds. More molds. Lots of molds. Letter molds. Letters. Numbers. Soy wax. >> A protective case for a laptop. Plus-size homecoming dresses. Strapless. white satin. >> Okay. Uh, zero sugar strawberry and. cherry flavored snack pack. Uh, Zaffy. Taffy, zero sugar taffy, sugar-free. candy, sugar-free Jolly Ranchers. Those.

aren't half bad. Uh, shameless snacks. >> And then you're getting the little the. struaffles. You're trying You're really. trying to. >> I put stuff in my car like in case I. want to buy it, but it's not like I'm. going to go buy all this stuff. You know, I'm going to be honest. I know. I haven't like. lost like enough to be like this this. big. >> How much weight have you lost? >> I'm weighing in Thursday. I'm pro. I'm. probably I think I'm close to about. >> I've lost 80 pounds.

>> Yeah. 80. Yeah. But it depends on where. we start, right? >> Yeah. But I'm just saying like I have I. bet you're a yo-yo. The thing is I've. been through that process and now I'm. through a process that's a bit more. sustainable, but it's longer and I'm. losing weight on medication. I've been. through the okay, I'm just going to. replace the foods with healthier. versions of the same food. That's not. necessarily what's going to win because. you're still not working on the the. binge, the eat. This is a more. sustainable life. More like it doesn't. necessarily mean like the food you have. can't be. >> It's all about moderation. >> It's moderation. It's working and.

building those habits and actually. living a healthy sustainable life. Not. replacing the food with the same amount, but just as bad or but slightly. healthier versions. >> I. >> sugar-free versions. >> Yeah. Well, it depends. Like I try to. balance with like low fat, low calorie. versions with like the real stuff like. you know like I eat a lot of Greek. yogurt instead of mayonnaise for tuna. >> and also 20 lb starting at 230 versus 80. lb starting at 600 is substantially. >> definitely did not start 600 but.

>> where'd you start? >> I'm not going to put that on camera. It. >> was not 600 though. >> So it was not 600. It's a lot. [clears throat]. Wasn't wasn't 500 or 400 either. >> 300. >> Yeah. >> Something. >> Yeah. >> Yeah. >> That's crazy. >> I [clears throat] know. That's what I'm. saying. >> How you going to achieve that? >> Um I smoked a lot of weed and just binge. ate a lot during co. >> and Cash App. I know this is where you. do a lot of your spending from. When I. looked at the statement from when you. took off that payday loan, a lot of your.

spending was through Cash App. >> It's because Cash App is on my Apple. Pay. So, >> I would honestly rather use Chime anyway. because when you set up direct deposit. with Chime using our link, you get. hundreds of dollars to sign on bonuses. So, get those and then pay off your. payday loan. You'll get the reward for. signing up with direct deposit through. Chime. >> because it works just like Cash App. Do. that and then use that and just pay off. your payday loan with it. >> Okay. >> Love getting that rewards for signing. up, ladies and gentlemen. Why not? Yep. Who's surprises? Dutch Bros. Netflix. extra uh finance. I think that's making.

a payment. Apple bill. Dutch Bros. Dutch. Bros. Amazon, Dutch Bros, MCDONALD'S, DUTCH BROS. DUTCH BROS. MAKE YOUR COFFEE. AT HOME. [laughter] Make your energy. drinks at home. I don't understand this. You don't have money. YOU DON'T MAKE. MONEY. YOU'RE have debt to pay off. You. owe your daddy money. Starbucks. Dutch. Bros. Cage three. Go in and get some. [ __ ] Google one. That's okay. Dutch. Bros. Better Buzz. >> This is this and I don't understand why. you have to do this. Stores wine video.

>> Wait, Dutch Bros. this month was only. $140. >> Die. >> and I thought it was like your payday. loan. I don't give a I'm really proud of. myself. >> Guys, if if I thought I only murder if I. thought I murdered four people but I. only murdered three, I guess that's. okay. Shut the [ __ ] up. I don't give a. [ __ ] what you thought it was. Any amount. of money spent on Dutch roses and you. can make your damn coffee at home. It. honestly takes better. >> I don't think so. >> Well, then you're bad. >> Watch YouTube videos. >> Also, before we get into the Carlin, I. really have to pee. >> Sorry. [laughter] Diabetes. Told you.

>> No, it's cuz I drink a lot of stuff. So, can I. >> pause? >> Urination. Oh, also you only know the. number because Lindsay told you. >> Yeah, I thought it was a lot higher. >> My gosh. >> So, >> all right. This is crazy, dude. >> Yeah. Car payment. >> What is this? You owe. >> a car. You have a $20,000 car. You can't. even afford. >> It's not 20,000. It was like 16,000. >> The outstanding balance is $20,281. cuz I'm always late and the interest is. 29%.

>> and they put it in the back. Oh, you. >> This is why I'm here cuz I really want. your advice on this. >> Oh, my advice on all of this is change. your behavior. Get a better job. I don't. care. And then she talks over. >> Okay, great. I want your advice on this. I start to give two points and. immediately interrupted you. [laughter]. What are you doing? What is wrong with. you? What is the car? >> It's a Nissan Rogue. >> year. >> 2016. >> What do you think it's worth when you. owe $20,281.54? >> I think it's worth 122,000. Okay, it's. worth $6,710. Are you kidding me? >> According to Kelly Boo.

>> Damn, that's rough. Like under a lot. [ __ ]. >> And we know it's under a lot of. pressure. >> What's your minimum? Yeah. Ley, Leafy, Leafy, Ley, Ley, Leafy. >> 582 is my monthly minimum payment. >> What's the interest rate? >> 29%. [laughter]. >> I mentioned it. You just missed it. >> YEAH. BUT OKAY, to be fair, to be fair, I. really needed a car and I feel like 29%. isn't cuz like $20,000.

>> I thought that it was 29% over the whole. thing. I didn't know it was per year cuz. I'm stupid. Yeah. [laughter]. >> What? >> I didn't have my mommy go with me. [laughter]. >> You know, we live in the information. era. Google it. Google Jeep Jeep Rock. [ __ ]. everything. You can learn everything. >> Yeah. [clears throat] Yeah. I really. needed a car though. >> Okay. You didn't need a car that was.

twice as expensive as what you could. have gotten. >> I could have gotten a shitty car, but. but it is a really nice car and I am. really happy with it. So. >> I don't give a your late endlessly and. it's only worth 25% of what you. >> crazy. I did not know that. >> That's crazy. >> So what is your advice? >> I DON'T KNOW. I'M GATHERING THE FULL. PICTURE. THE ADVICE IS ONE, get a better. job because you're two, don't spend any. money on anything ever. >> No more Dash Bros. >> No. OKAY. DIE DIE DIE.

DIE. [laughter]. >> NO. How do you think you get to justify. anything? You're behind on everything. This makes no sense. >> Yeah, >> you'reing broken. >> It's valid. >> Maybe you need the threat of death. behind you for from a bank for you to. actually make your payments. [laughter]. Yeah, I would pay that. Maybe. >> put 60,000 miles on in one year. Yeah. I. mean, you're doing a lot. >> I drive a lot for work, too. This is aggressive. You chewing on pens.

is bad for your teeth, Caleb. >> Die. [laughter]. [gasps] Eating McDonald's every 5. minutes. Your life is bad for your. health. >> Actually, I'm not a huge fan of. McDonald's. >> Mhm. >> So, >> Oh, good. I believe I see uh not Clara, the other one, >> a firm or zip or something. Yeah. They don't let me use it anymore. >> Overdue. Overdue. Overdue. >> They kicked me off of using it cuz my. credit score went down. >> Good. >> So, I'm not paying them right now. >> Never be having access to any debt ever. again for the rest of your life.

>> What if I make better decisions then? Can I if I change. >> better positions for a long time? Yes. >> Okay. Affirm. $129.84. I don't know. Just. >> I just don't want to pay them cuz they. won't let me have more money. So, >> what an entitled. >> I know, but. >> you signed the paperwork, you tit. >> It's not like a lot of money. So, I feel. like that's a later problem. >> Again, you literally get more than that. setting up direct deposit with trying. with my link. I mean, this is like. >> Yeah. Well, I'll use that money that I.

get to. >> Exactly. That's what I'm saying. Savings. $6.95. >> It's 27 now. >> Conquering the world. 287 in checking. That's wonderful. Shocking. No overdraft. fees this year. No. >> CLA cash app spinning cash app spinning. cash app spending CLA affirm Amazon ATM. with Matra at Matra going in getting. some [ __ ] You got an energy drink. There it is. $4 energy drink. You went. in your. >> energy drink was from here. I did buy. the Dutch here. Are you stupid?

>> My goodness. I'm going through the. statement. Are you actually a [ __ ]. >> This I got I Yeah. Anyways, >> GAMER STOPS 25 CENTS A SERVING. What the. dude? In and out. What is also wrong. with you? I know. I don't really like it. or not either. >> cuz it's not that good. >> It's not. >> It is not that good. >> Have you been to Washington? Go to. Dick's drive-in. Yeah, Dick's drive-in. is superior for like. >> superior. >> Oh, >> incredible. At RAW, it keeps going. Prime Video.

>> Sorry, I just That was a really dramatic. like keeps going. >> Sorry. >> Does your heart need that? >> Yeah, I like caffeine. Arco going in. against some [ __ ] Casino. Casino. You absolute casino. >> It was only $20, right? >> How dare you? >> I'm sorry. >> How dare you? You. No. How dare you? That is NOT FUNNY. SHUT UP. >> Cla Prime Video. Dutch Bros. Cash up.

Cash up. Cash up. Best Buy. >> Cash up. Winning. Got some [ __ ]. Cash up. Cash up. ATM draw. ATM with. draw cash. Winning. Got some [ __ ] Winning got. some [ __ ] Cash off. Cash off. Winning got some [ __ ] Pay later. CLA Fred. I don't even know. Taco Bell. Taco Bell. Dutch Bros. Go Brands. Dunkin' Donuts or Door Dash. I don't. know. But it's $120. $112.

>> $112. >> $112. >> For what does it say? >> De's. >> Oh, De's discount. It's like Ross in. California. I I highly recommend. Oh, CLA, Amazon, Cash App, [ __ ]. Spotify. I told you have it. Use your. audio books there. >> Affirm Golden State. Jamba Juice. [laughter]. Going in some [ __ ] Die. Cash App. You got an energy drink.

[ __ ] Prime Video. Cash App. Amazon. Go puffing. You're gouing. You're go. puffing again. How to deal? >> How do you die? [laughter]. >> ATM withdraw. Cash app. Audible. Red eye. shop. Cash app. Cash app. >> Oh, that's another thing you really. should do for your health. >> I only allow myself to have one vape a. paycheck, though. >> I'm budgeting. >> You are a broken individual. You are a. broken and you are going to die before.

30. >> I'm not going to die before 30. >> Dude, you're vaping. You're energy. drinking. And you are morbidly obese. You are going to die before 30. I'm. going to lose weight and I am going to. move to Mexico. >> I am quitting vaping when my mom quit. smoking. I'm going to deal with her cuz. I want her to quit quit quit quit. smoking. >> Yeah, let's make you depend on barely. started. >> You are so broken. Your logic on. everything is so broken. You are so. done. You're never going to make. progress. Wix, you pay for a website. You're stupid. Craigslist. >> business. [laughter]. God raising cans cla [ __ ].

Craigslist. >> The Craigslist. I got reimbured for. that. >> You're so You're so good luck. I'm going. to make a budge of a good the luck. My. confidence uh equals zero. >> Well, we'll see. >> Yeah, >> I have a lot of confidence in myself. >> We'll see if you live between now and. the followup. >> How long does it usually take? >> I 3 6 months whenever you want. >> Yeah, I think I'll make it that long. Maybe a year. >> Keep chugging that caffeine. >> $1,177. is your minimum payments, which is a.

third of your income, of which I'm. making 3,500. Okay. >> Gas from drive drive how much? probably. like 600 a month. >> Car insurance, how much? >> Um $289. >> My drive 500. >> And you do not pay utilities. >> No. >> How do groceries work in the house? >> Um I pay about $300 a month and she pays. about $200. >> $300 groceries. See if you find anything. else you need. $100. You probably $150. for your extra. >> things you need. >> What extra [clears throat] things do I. need? >> Personal trainer. I don't know. Is this. something you more things come with.

this? >> Gym. How much? Um $29 a month. >> Do you have any pets? Yes, you do. You. have two dogs. How old is they? What are. their health? >> Um one is 9 months and the other one is. 2 and 1/2 years. >> And they're health. >> And they're great health. So I can get. them pet insurance. >> $100 pet insurance for both combined. It'll be good pet insurance. Not. insurance on what kind of pet insurance. to get. >> Yeah, we'll send you some links. >> Thank you. >> Medical health care. Not right now. Maybe if you switch in better. What.

>> it come the medical healthare comes out. of my paycheck already. No [ __ ] I know. that you That's what I'm Sorry. What's. your phone bill? >> My phone [laughter] bill is $160. I just got an iPad on it for work. So, >> switch to Helium if T-Mobile's good in. your area. I don't know how that works. with Mexico, so I don't know. But it's. good for most people here. Subscriptions. I'll try to say $25. We'll see if this even works. If not, just. >> I need to get another job. I think. that's. >> Oh, you just need a better job. You need. a real career. >> My job is a career job.

>> Dude, shut up. I'm sorry. You see, and. this is why I'm borderline like giving. up. You see how you're just incapable of. rather? You technically have a room of. like $100 if you bring in 3500. You said. you bring in three, so like I don't even. know. You're either behind or you're. not. Let's pretend you make 100. Very. good. Very good. You make 100. That's. wonderful. Of your total debts, uh, $26,649.77. divided by 100. Okay. Divided by 12. Yeah, that takes you 200. What was that? 22 years to pay off. Just if I do.

minimum payments. >> Listen, here's the thing. Here's the. thing. >> You can't even sell your [ __ ]. voluntary. Okay. Yeah. >> Okay. Wait, really quick. Retirement. So, at my matches No. Okay. And then. >> you can't afford to pay bills. I don't. like. >> And then um I want you to. Well, how do you suggest when I have. extra money? What do I put it towards? What is your recommendation? >> No. Now, [clears throat] can I actually. give my thoughts instead of you trying. to lead the conversation? Thank you. This is 100% what I would do in your. situation. and you're completely your. credits are. They don't see the point.

Voluntary repo. You're going to owe. money. Then you're going to get a. horrible predatory loan on a not so. great $10,000 car that you're going to. drive for a couple years that you get. pre-approved by multiple mechanics that. it will not fall apart for a couple. years that is safety driven. And you are. going to, and this is post your. voluntary repo. And then after you. already have that, then you are going to. after you change your behavior proven. for 3 months, don't pay on your debt. anymore. Just don't. Three months, then. declare bankruptcy. You suggest I. declare bankruptcy. I don't have that. much debt, though.

>> Dude, are you With the money you have. left over, it takes 22 years. Your. credit's already. >> Okay, but I can make more money. >> Okay, very good. Listen, Lindsay said. there's something exciting in the post. show, so that's it. She's not going to. listen to anything. So, her um so join. Hammer Lee for that. Let's get her. hammer financial score. Okay, very good. [ __ ] off and go to Mexico. Go back to. Mexico, [ __ ] [laughter]. >> Join us in the post show. Uh join. Hammerly. Click that join button. Uh, three premium shows posted every single. day, Monday through Friday, including an.

extra 20 minutes of this show, this. episode where Lindsay said there's. something absolutely juicy. Um, and I. don't know it yet. Let's find out. See. you there. This other thing. This other. thing's crazy. >> that we cannot discuss. >> Oh, we couldn't talk about this in the. main show. >> or in the main show. What is it? >> We couldn't talk about this in the main. show. This is insane. I can't believe. this. >> Camera Elite is the best YouTube. membership on the platform and I just. upgraded it. New dedicated premium shows. every single day, Monday through Friday.

Join with the link in the pinned comment. or description below. This is the best. membership you'll ever [music] join, and. that's a promise.