Most Batsh*t Insane Woman I’ve Ever Met | Financial Audit

My boyfriend is in jail. >> You want a convict from multiple. states to be in your life forever? >> He is going to drag you down. Do you not. see? >> My ultimate dream is to just like sit. under a tree and philosophize about. life. >> Oh, You're never going to make. money. >> I just feel like reality is really. weird. Existing is like what's what's. real? What's in my mind? >> I have to ask, are we sure your prison. boyfriend's even real? Bundle all of my educational programs. I've ever made, plus the premium version. of my budgeting app for not only 80%.

off, but also with a free trial today at. dollarweise.com. Join the tens of thousands of people. who've changed their lives and joining. dollar wise central right now for free. >> Hi, my name is Apricot. I'm 31 years old. and I'm from Santa Clarita, California. And this is Financial Audit. >> Yes, it is. Thanks for coming over to. Austin. What do you do? apricot for a. living Santa Clarita. >> I I uh I Door Dash and I Uber Eats and. >> so much of that on this show.

>> Um. >> so curious. >> So I am from Santa Clarita, but I am. actually living in a town in Arizona. right now that Yeah, >> this entire pre-in part talking about. where do you live, where you from, what. are you doing? Santa Core, Santa Core, Santa Korea. Immediately starts the. episode. I live in Santa Creatia in the. intro and then you started Okay, so. you're in Arizona. Yes, I'm in Arizona. >> Why don't we talk about that for the. last 10 minutes? Okay. Where are you in. Arizona? Let me cross out Santa Clarita. cuz I really care about where you're.

born. >> Uh, I live in Lake Havsu City. >> Lake Cavsu. >> Lake Havsu. >> Okay. I'm honestly not familiar, but. okay. What do you So, you Door Dash and. Uber Eats in Lake Cavsu. >> Lake Havasu. Yeah. Yes. Correct. Door Dash, Uber Eats, GrubHub, Instacart, you name it. >> Okay. Why the grind? Why the grind. instead of a. >> Um I really like having money and I. would like to get a regular job. I care. for my elderly grandparents there. Uh.

it's it's like temporary. >> Just makes it easier to care for them, I. guess, time wise then. >> But I need money still to pay my bills. >> Why aren't you working your job then? I'm sorry. >> Oh, because um I have to be there to. cook all their food and to clean up and. to be there for appointments. >> Uh appointments, I can understand that. But meal prep and cleaning the house we. can do outside of the hours. What's. their age and health? >> They are 76 and 77. >> What's the What's the thing you're. having to take care of that they're. incapable of? Oh, this is a literal.

nothing town in the literal middle of. nowhere. It is more in the middle of nowhere than. Vegas. >> I kind of hate it. >> Well, no. Who would? It's in the middle. of Vegas and Phoenix. And both of those. cities are in the middle of nowhere. That's how in the middle of nowhere this. is. >> Yeah. >> Yeah. >> Little oasis in the middle of the. desert. Okay. >> Uh Okay. Then how they So they're unable. to move. >> Correct. Yes. My grandma's in a wheelchair and my.

grandpa has um a so he's not able to. like move around. >> So appointments. Sure. How often is. appointments? Because we got to get you. in a job. Are you is your entire like. who was taking care of them before you? What are you doing? They just started. needing help this year. Uh they asked me. to come and. >> and it was only you. You're the only. available person. You can't split it. with anyone. >> I cannot. Uh I split it like right now. My aunt my my grandpa's sister is there. taking care of them. But she. >> Well, and they wanted to stay in the.

home, I'm assuming. >> For Yeah. So she stays there when I'm. gone, but it's. >> No, no. Your grandparents wanted to stay. in their home. >> Oh, yes. Correct. >> Okay. Which means in order for them to. stay in their home, and even though this. is oversimplifying it for sure, but them. staying in their home is preventing. their grandchild at 31 from being able. to live her own life. You moved from. Santa Clarita to this. >> Yes. Yes. >> Okay. Okay. I mean, honestly, I.

appreciate the empathy part that we're. setting off off the gate, but I am also. being told information from people who. know you much more than I do because I. am just meeting you right now. Having my. very first conversation right now that. you actually are just trying to build a. social media online following because. you hate working and you want to be an. influencer. Good news, she can't plug. her and she's actually using a fake. name. So, good luck with that. But also, I feel like that's more the play that. you hate working, i.e. everything they. learned about you before this. Then.

you're just taking care of your. grandparents and you have to take them. to appointments a couple times a month. >> Well, another reason I don't have a job is. because I. >> You have a job. You're doing contracted. things. We don't allow people without. jobs on. She is working. >> Yes, this is true. >> Independent. >> The reason that I don't work for a. corporation with set hours, uh I've been. having to travel a lot recently, too. So, I started looking. >> How do you mix those? I'm not allowed to. do anything cuz I have to take care of. the house and cook. Yes.

>> And take them appointments, but I also. travel a lot. >> Yes. >> Okay. I feel like I'm getting receive uh. mixed signals here. Receiving mixed. signals. >> So, I have another family member who's. ill and I have been traveling back to. California to be with them while they've. been hospitalized. >> You're not the Oh, while they've been. hospitalized. So, it's more just to see. them. >> Um, yeah. It's well it's my dad so it's. it's hard to not want to be there for. him which is fair. >> with my grandparents they understand and.

we can get my great aunt into the home. to help with meals and. >> if more people can come into the home. then then you need to leave the oasis. and you need to go back to Santa. >> Korea. So that would be ideal. We're. trying to figure that out right now. >> That does not address the fact that. through the conversations with you. producers have pretty much determined. that you just do not like working. though. I. have always worked and held jobs, but in. recent years, I think that there's like.

a like almost like a nihilistic point of. view where I'm like, what is the point. of anything? >> Well, the point of anything is being. able to at least be able to pay your. bills and not get evicted and being able. to live a pretty, you know, good. dignified life, >> right? >> Yeah. >> That's usually a good minimum baseline. The people that are just all, what is. it? black pill, brown pill, doom pill. that are doom, doom, doom, gloom, gloom, gloom. You're never going to get. anywhere. You're not going to do. anything and you're going to come. begging for money from everyone. I would. rather you be just someone with some. kind of ambition, some desire to do. better in this world.

>> Yeah, it's there. You know, I have I. have big dreams, but it's. >> What are our big dreams? >> I want to be an author and I want to. travel a lot for myself. And. >> what authoring are you doing. >> right now? Nothing. And I want to be. >> How do you become an author if you've. never authored? >> I know, right? I have a big. >> No, that was my question. >> Um, I have a big problem with. procrastination. >> That's not procrastinating. It's 30. You're 31. You procrastinate putting it. off. >> Zero. >> Yeah.

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free. That's enough time for Ara to. start scrubbing your personal info off. these data broker sites automatically. Seriously, go search yourself before. someone else does. >> But you've never written your first. line. >> I mean, I have obviously like I've. >> obviously I that wouldn't be obvious to. you. >> Well, this is true. Um I'm in school for. >> You're in school, too. Okay. So, it's. only Okay. How are we We're going to be. 30 minutes in. We're going to be. learning also about what you're still. doing right now as well cuz you're doing.

only a thousand things. putting what. what's the school situation, please? >> I've got an associates in English and an. associates in psychology. >> You said you're in school. >> Yeah. And I'm working on a bachelor's. degree in English. So, >> okay. >> Why can't it be in something that will. get you a job? You can be a writer. without a English degree. >> I know. I like to learn about it though, so that I can. >> You can learn about it without going. into. >> I'm really bad about uh I'm really bad. without a structure, like a formal. structure. I'm not good at um I'm not a.

self-starter. >> Yeah, but even online classes can be. cheaper that you can take like courses. from some author that's been very. successful or something. I don't know. >> That's a good point for my bachelors, but the uh the associates were paid for. by FAFSA, >> so they free classes, too. >> I don't see that happening for what. you're doing right now. >> No, it's not. I have loans out. >> Okay, then I I wasn't advocating against. not using free school. >> I know. No, I'm just saying like up to. this point it has been free, >> but it's not right now, which is all.

that matters. >> Okay, I see what you're saying. Um, >> what are you what are you doing? You're. doing everything but nothing. You're not. getting anywhere. >> I know. It's like. >> you've done two associate Well, then. change your life. You've done two. associates degree. You're getting a. bachelor degree and a worthless degree. And um actually, I'm hearing that you've. actually recently failed some classes. So, is it just the structured thing that. you need? Cuz even in structure, uh oh, she's failing. You're using your. grandparents as an excuse to honestly do.

what you're doing. And your dad's. passing or is ill, I don't know, is and. that is sad. And I do want you to go be. able to go back home. But if there are. all these people that are able to step. in as much as you're suggesting they are. for the grandparent situation, and. honestly, they're just not wanting to. leave their own home. You should not be. the one delaying your entire life for. that. Listen, uh the people that are. coming in to help like your aunt and. whatnot, are do they live in that small. town? Do they live in that small town? >> No, she doesn't. >> Okay. Well, at least that's their. daughter, not their granddaughter. What. are they trying to do? >> It's It's my grandpa's sister, so she's.

just as old as they are. And it's not. easy cuz she has her home she has her. own household to run where she lives. So, it's like when I need to leave, I. have to ask her to come and it's it's a. it's an ordeal for everyone. And as far. as not living in the home, >> okay, if their grand if the grandparents. want to, you know, not go to any kind of. home or whatever, not take a I'm sure I. don't know what their retirement. situation is. I don't know what their. social security situation is, Medicaid, all that good stuff or sorry, Medicare, but um Okay, cool. So, if they're not.

going anywhere, if they don't have. anywhere set up for success in order to. have your life actually working in a. town where you're able to get into a. career and they don't want to go into. anything like that, then they need to. move to Santa Clarita. with you. I think that they'll move to. Oregon eventually and sell where they're. at. I've been telling them this. >> What does that Okay, that's. >> I'm just saying like they have. >> and you're going to Oregon with them. >> Am I I I. >> Who's in Oregon? >> Um they have another home there and my. grandpa's sons. He has I have two.

uncles. >> Okay, then make them do that. You're not. putting your entire life on hold. Honestly, you're probably allowing them. to stay there longer when they shouldn't. be. >> Okay. All right, easy solve that one. >> So, but okay, with that being said, like. my real aspirations remain as like. content creating or author author. I. just want to So, you are just you want. you don't want to have a job is what. you're saying. You're thinking them as. easier. >> My ultimate dream is to just like sit.

under a tree and philosophize about life. when I'm older and have people want to. hear what I say. And that's what I want. to be an author for, too, is but I want. to travel for that. >> You're never going to make money. >> I know, right? It's like I It's like. It's like I'm playing the game of life. And a long time ago, I chose the career. path of a starving artist. That's how I. feel. >> No, you don't have to be a You. don't have to be. This is you're you're. you're choosing that. Listen, if you're. recognizing it's wrong, then.

read me something you've written. um. >> something brief. Let's see these. philosophy skills in action. >> Okay, so this is something that was. written because. I was I don't even know why I wrote. this. Like the choice of taking your. phone somewhere or not to take like say. you're moving. >> How about let's just read it. >> Okay, >> I'll read it. >> No, >> give. >> But it says give it says about. >> Okay. >> Oh. >> yeah. The choice of taking your phone to.

the bathroom or not is whether the phone. rings. What I meant to say is that okay, you. make a choice and then what happens next. could be coincidence. I feel like I'm losing my mind slowly. What is reality? Where do I lie? H I. feel like I could cry. I could cry right.

now, too. No, I'm just kidding. >> Does it continue? >> Probably not. Probably not. Look, it's. just random stuff. I don't even know who. wrote this. This is like my mind. and diary. And I just brought this. >> Wow. This is explaining why this stack. of financial debt and documents are this. thick. >> I just. >> almost thicker than. >> phone in the bathroom book. >> By the way, whether or not I bring a. phone into the bath. >> Bringing a phone into the bathroom is. gross. What are you on your hands while. you're in the bathroom? >> What are you saying? It's like I don't.

know. I think about how. >> scooping doodoo with the fingers. >> No. >> What's nasty? Why youing splash pissing. everywhere? >> No, but vapor. Anyway, >> vapor. >> It's neither here nor there. >> Well, preferably just not on your hands. >> My goodness. My goodness. >> Is this slam poetry? >> You're starting. >> That's what I'm saying. This is This is. my Anyway, >> whether or not I choose to bring my. phone into the bathroom is not whether. it rings. >> No, it's like the choice to to bring it.

or not would depend on if it's going to. ring or not and who's calling and why. you care about calling. >> No, it's cuz I want to be on Twitter. while I'm taking a. >> Well, to each their own, right? It's for. different reasons. This is like a. personal point of view. This is just. something I jotted down. >> Very good. So that is your uh. >> it's not even a good example. >> by apricot. That's chapter one. >> Chapter 7. >> There are more chapters before.

>> Okay. The producers are saying it gives. 13-year-old girl. >> I agree. >> Yet you are 31 which is unfortunate. >> It's reversed. >> That's a caretaker. Okay. All right. So what is your living. situation right now? I got to know. I'm. living with my grandparents. I pay them. a little bit of rent, but. >> You pay them rent and you're their. caretaker. >> a little bit. But they it's like. >> I think they're taking care of you. >> I agree, first of all.

>> Oh, there. Okay, there it is. >> But. >> there it is. We've We've uncovered the. truth, ladies and gentlemen. >> I know. I uh. >> Can you flip to just a random page? Just. flip a random page. >> There you go. >> A random page in the written section, you. >> tit. Why? Just a random page. >> I regret bringing this. >> No, just random page. No, I said let's. do a random page. >> Uh, it's You can't read it though. >> Why? >> Okay. >> Okay. Show me. Random page.

>> Oh, boy. She's counting down the days of the. month while also keeping a tally of. something. >> Oh, there's a camera up there. >> There sure is. And this is seeing. something concerning of like a prisoner. Oh my god, you guessed it right. That is. I was counting down the days until the. release. No, not me. >> That's really crazy that you just. counted just though. >> My boyfriend is in jail. >> Tada.

Anyway, so yeah, I was counting down the. days until his release and it was. inaccurate. Anyway, I have a picture to. show you if you want. >> That's okay. Oh, yeah. Actually, yes, of. course. >> Right now, >> please. >> Okay. >> Can it be on camera? >> Yep. Okay, we got permission. All right, ladies and gentlemen, this. financial audit will uh start soon. >> First of all, he's green. How old is he? Well, you're 31. It's okay.

>> He's 2. >> I just keep assuming you're 15. He's. >> What's he in jail for? >> A lot of stuff. >> What are you counting down? Because the. countdown has ended according to this. That was when he was in jail in. California and now he's in jail in. Arkansas. I thought he was going to get. released and he didn't. He got extra. extra. >> Where are you? What is actually. happening in your life? >> I know. How did we get here? >> No, it's a question that I asked that. you should answer. >> I don't have answers for you, Caleb. I'm. here to find out. >> You don't You can't tell me why you're. dating him? >> I'm dating him because he is nice to me.

and he uh does everything he can for. you. >> How long did you Were you with him. before he went to jail? >> Like a year and a half, >> actually. >> Yeah. dating. >> It was very tumultuous. Yes. In person. >> In person dating before he went to. prison. >> Correct. >> Wild times. Wild times. >> Okay. I have notes that he did not call. you his girlfriend until he went to. prison. >> Um,

it's complicated. >> That just sounds like he didn't consider. you his girlfriend. He does consider me his girlfriend. Well, >> now that is in prison. >> And he did before then, too. He just. >> Why do we have notes that you said? >> He Yeah, that's true. Because he had. this whole thing with like you guys meet. >> at work. We were working together. >> What was fast food? >> At fast food. My favorite restaurant. >> Jack in the Box. >> Listen, you have $20,000 of bad debt. What the is going on here? >> I know.

>> This is No, no, no, no, no. You are the. answerer of the questions. You keep. agreeing with my question. I have the. same questions. >> So, what was the question? >> Oh my. Okay. So, your living situation, I'm still trying to just understand. this. I'm trying to get the. baseline of your existence. So, as we go. through these documents, I'm able to. connect some dots and actually give you. some kind of path. >> Okay. >> Uh uh total debt, by the way, $46,000. But. >> oh, a lot of that is collections as. well. We got federal student loans and. Oh my gosh. Charger. Okay. We're.

Okay. This is going to be a this is. going to be hard. Okay. So, you have a room there? >> No, I. >> What were you laughing at that you don't. get your own room at the place that. you're honestly being taken care of, if. we're being honest? >> Yeah, I do think that they take care of. me, but I know that I also uh I. >> It's a mutual thing. Okay, basically. >> But you don't have a room. Where do you. Where do you live there? >> When I first got there, we weren't sure. how much help my grandma was going to. need cuz she's in a wheelchair and she.

had never been in a wheelchair before. So, like, does she need help with the. bathroom? Does she need help with. everything? And there were episodes in. the middle of the night where she would. wake up sometimes not being able to. breathe. So, they put me in the same. room as her. And it's a smaller house. anyway. So, my grandpa's staying in his. own room. I'm in a room with my grandma. But because she has tendencies that are. like not comfortable. I have I sleep on. the floor in their closet. They have a. walk-in closet. >> Tendencies. >> She keep she keeps all the lights on. She has Fox News playing 24/7. It never.

goes off. It's so ridiculous. I can't I feel like I'm being. brainwashed slowly. It's definitely not. conducive for my own like mental health. They try really hard though. They're. very sweet and uh good people, but yes, I'm sleeping in a closet and I've made. it as comfortable as they can, but it is. detrimental to my overall overall. health. >> Have you ever been an adult in your life. once? Yes.

Yes. I I've lived I moved out of my. dad's house when I was 19. and. >> into what? >> Since then I've been. >> You live in a closet house. >> This is just. >> What did you live at 19? >> I moved into a room and I rented a room. and I. >> a room with who and where and what? Like. the first house I lived in was actually. like a little guest house kind of thing. on someone else's property. Just random.

person. Just random person. >> Okay. >> Just landlord. And then after that I. moved. >> I have a long history of moving. >> Don't need all that. But I just feel. like. >> but I've have I've usually I usually. live on my own. Renting my own space. with a job. That's typically how I live. But even when I live like that, my. financial tendencies are very bad. Like, >> yeah, we know you have a lot of debt. How much of it goes into prison. >> at this point? Probably like.

$200 a month. >> Okay. What are you making? I never even got. that from your these stu you're you're. you're hustling. You're grinding. Yes. Yes. Yes. I love that. >> I'll make like at least $100 a day. And. >> how many days are you working? I'll try. to work 7 days a week when I can and. >> Okay, so $700 a week. >> We're going to times that by 52 divided. by 12. >> I don't work every week, though. So, let's cut that in half because I work. every day. But I don't work every week.

>> Well, listen. So, I work every day when. I can. When I'm at when I'm at home, when I'm with my grandparents, I work. every day. But when I leave to go be. with my dad, I'm not working. So, I'll. I'll have like a week and a half. >> How many days a month are we working? probably like 15 to 20. >> I'll call in 17 times 100. Well, that's. easy math. But $1,700 a month before tax. before maintenance. >> Uh-huh.

>> And you're giving 200 to prison. >> Yes. Jail. >> No, it's not. Is it not prison? We wouldn't be in jail this long. >> Yeah. No, he's in jail. >> Jail. Jail. >> Yeah. >> Tony. Jail. Uh, >> jail. City jail. >> A correctional facility. >> Prison. >> I don't think it's prison. >> It's like a It's like a They were So, he. was in. >> What was he convicted for? >> Like originally or this last time? >> Let's go both.

>> So, originally he was living as an. outlaw and he was. >> But what was he outlawed from? >> Uh, like Okay. Okay. So, originally he. was living in Arkansas and he was doing. bad things with his life, making bad. choices. >> Sell. >> I don't know. I don't know. He was. convicted for criminal mischief and uh a. plethora of other things like having. stolen goods probably and other things. like that. Okay. Anyway, so he was.

convicted of that and then he was. sentenced to prison. So, he's a felon. And then when I met him, he was living. in California on parole. We met at Jack. in the Box and he. >> best place to meet. >> He smoked the me. No, I'm just kidding. I didn't hit the um anyway, that's how. we met. And he was just really sweet. And so then basically he got in trouble. again in California and. >> for what? >> Um this like lesser extent of of used I.

guess. Yeah. >> Anyway, so he got in trouble for that. and then he got sent to do like a. program and he uh was released from that. program for breaking the rules and then. he absconded his parole and then he got. caught like a year later. >> How often do you visit? >> Oh, I don't That's not cheap, is it? >> No, I don't visit him because he's in. Arkansas. I mean, we're in Texas right.

now, but. >> So, how often do you visit? I he. so in February this year everything got. really crazy in my life and. >> what when you had a normal in his life. he's in prison. Yeah, he had a crazier. life before that. But um so anyway, he. got he went to jail in February and he. was in California and I was in Arizona. and I saw him I think once when I went. to go see my dad once and then from. there though he got um what's it called?

Extradited to Arkansas again. So now. he's in Arkansas. And since he's been. there, I haven't seen him at all. >> Okay. >> Because hello, this is an expensive. trip. But. >> sure, you make $1,700 a month before. expenses or anything whatsoever, including self-employed type taxes and. whatnot, >> which I totally account for. >> So, what would you say your net is then. on a monthly basis? >> I have no idea. >> You just said you. >> I was kidding about the taxes thing. >> I don't know.

>> That was a joke. >> I I'm going to have to face it. eventually when I file my taxes next. year, but until then until then, I don't. know what goes on. And I that's like a. it's a me now problem, but future me is. going to have to deal with it pretty. hard. >> And ladies and gentlemen, what was her. previous job? Well, I just learned cuz. they're holding my hand on this one cuz. she's a wild. scamming people on PayPal. Ladies and gentlemen of financial audit,

this is one of the most exciting moments. in this channel's history. You know, I've been working on building all these. educational tools, our budgeting app, all this crazy stuff over this past. year, cuz that is where my passion is. We finally did it. And now we put it all. into one program called Dollar Wise. Central. You get the premium version of. my budgeting app. You get the cookbook. mailed to you and signed by me. You get. to learn about debt, investing, budgeting, real estate, basic beginner. stuff, and finance all the way to the.

advanced stuff. collaborated by experts. with the lowest refund rate in the. industry for a reason. And guess what? You can try DollarWise for free until. September 1st. If you are struggling or. you want to learn more or you want to. change your life in any way whatsoever, like literal tens of thousands of people. have done with our programs, go to. dollar.com. Click that link below. Your life will. change. It'll be incredible. And I am. here for you with an incredible support. team that you can reach at any time.

This is a no-brainer. dollar.com. Let's. go. >> That wasn't my previous job, you weirdo. But okay. Okay. So, the reason why. that's a thing is because. I my boyfriend now. is better than my ex-boyfriend. >> Oh, for sake. >> And my ex-boyfriend was someone who. initiated that kind of. >> Yeah, but you participated. >> Yeah, I participated. I know. I know. So, yes, I can't use PayPal.

because I tried I tried to cheat the. system, but it wasn't a job. It just. happened that once. >> I've never had longer notes. This is. aing rapture. This is crazy. >> I know. We talked a long time. >> No, no, no. >> Oh, >> quiet. I don't even what know what the man? I. don't even know what the actual. >> I'm so happy to be sitting here talking. to you. Sh. >> I hope it's mutual. Sh.

>> Quiet. The world has been a struggle for her. Back in 2021, she left her parks and. wreck job to work at her other. grandparents bed and breakfast, but she. moved back to her home her hometown. after that and then picked up a forest. job because she didn't want to be around. the rich people. So, she worked at the. Forest Service, then got fired from her. job at the Forest Service for ghosting. work after too many mental health days. Oh, Here we go. H yeah, Tik Tok. mental diagnosis on this one probably. >> No.

>> Okay, >> incorrect. >> Okay, no surprise. She is an astrology. girl. Budgeting gives her the ick, by. the way. But self-sabotage doesn't say. this. She says that 70 to 80% of her. life confusion is tied to money stress. Sometimes she claims money isn't even. real. She has a backup plan/dream. though, and that is becoming a writer, a. YouTuber, a podcaster, and a singer. hasn't posted one thing or written a. single thing. And we just went through. her uh slam poetry, by the way, but she.

wants to do review videos. Psychology. review videos, not savings. Lives in her closet. All. her sisters think she's useless. Her. grandparents help her out consistently. I thought that was supposed to be. youring job. One called her a snake in. the grass and the other has her blocked. >> The It's the same sister to be fair.

and she's. >> But you think your life has the. potential to be a movie? I would say. it's just a. I dude it's like a smut book or. something. I don't even know. This is. nothing. What is it? >> She wants kale to fix her but only if it. doesn't involve much effort. >> You want to unpack any of that cuz what. the did I just read? I mean that's. definitely an over dramatization. dramatization. >> That's the notes from the film called. Had with you. >> Yeah. So uh. >> Okay. >> Anyway, I mean where do you want to. start.

>> any of that? I don't know. Tell me. anything, dude. I don't even know cuz I. got to get in these finances. But you. just have such a base to get through. >> My sisters are lovely and they love me. We just have been fighting a lot because. of what's going on in our family. >> Well, you're blocked. >> I was. >> One calls you a snake in the grass. >> Yeah. Well, >> your grandparents take care of you that. you're supposed to be taken care of. >> and your entire plan out of this is to. either be a writer or a YouTuber or a. podcaster or a singer or do psychology. reviews but haven't posted anything. >> I'm hoping. >> and writes about taking a with her phone.

except not unless she has a phone call. >> Oh my gosh, it's. >> true. I read it. >> Goodness gracious. >> It's literally true. I read it. >> Literally. Um, >> yes. >> Okay, >> I read it. >> I would like help building some kind of. a resume. >> Cool. Astrology is not going to get you. there. Resume? You're just getting fired. and leaving everything. What resume can. I get you? >> Um, I don't know. That was just my goal. It's one of my goals. Okay. I need to. make a better resume for myself to try. >> Can I see your resume?

>> I don't have it. >> How can I help? >> What do you do? Like, can I try to find. it? >> You sure can. >> Let's see. Oh, and the grandparents that help you. consistently that you sleep in the. closet of that you tell everyone, you're. actually taking care of. I have a note. that also you don't tell anyone how much. they take care of you. >> Um, yeah, like my grandpa will pay for. gas while I'm door dashing and stuff. I.

know it's. >> You're not there to take care of them. off with that opening. You kidding. me? What a lie. Quiet. >> Okay. >> What a liar. I devote. >> You're a liar. >> I devote every day every day to being. there consistently for them with. whatever they need. I am at their beck. and call. I go out to Door Dash and I do. nothing else. I do nothing for myself. I. don't go out. I The only trips I ever. take. >> 14 times a. >> The only time I'm ever gone is I know to. go care for someone else. I don't do. anything. >> And how much of that care is actually.

care knowing what you've set up so far? At least for once in the history of this. world, her resume is only one page. I. appreciate that. Skills hum. communication analyzation. 50 words per minute typing. interpersonal skills attentive. Okay. First of all, 50 words per minute typing. or you're not. >> That was just for a specific job that. required that. So I. >> There you go. I was going to say you're. not in. we're not just writing I don't like it's.

not you're not in that room with all the. women in World War II, right? >> Yeah. experience. Prime Mountain Club pool attendant. current. Not sure if I'm. >> This is from a couple years ago. >> Not sure if I'm thrilled to read that. >> What? A pool attendant? Yes. >> 31y old for your resume. >> I was 22 29 then. Okay. The reason why. that was a thing. >> thing. >> I worked for Starbucks for a long time. and I worked. >> well I have Whole Foods January 2023 to.

April 2023. Not great to have on your. resume. >> Second job. Not great to work in your. resume that you work somewhere for a. couple months. That shows that you leave. quick. True. Yet you did it. >> because. >> on your resume. Okay, here we go. Hungry. Valley. Senior Parkade. The one we got fired. from. I guess we won't say. >> No, that's not where I got fired from. >> Oh, Admin Parkade. >> Yeah. So, >> that's where you got fired from. >> No, no, no, no. The my place I got fired. from isn't on there. Starbucks. Uh, >> Starbucks. I worked at Starbucks for a.

long time and then I started working for. uh parks and wreck and I was working at. Starbucks and the park for a long time. and then I was I quit Starbucks. Anyway, >> be prepared for her summary for her. college education. I am fluent in. writing and am able to understand. slanalyze written text. >> because sometimes people can't. I don't. know. >> Round of applause, please. [Applause].

Hire her immediately. I'm sorry, but come on. That's. hilarious. I wouldn't hire someone after. someone put that in there cuz it's in. It's ridiculous. >> Well, I'll make sure I fix. >> Are you trying to say women can't read? >> No, I'm trying I'm just Listen, I have a. degree in English. That's all I was. trying to showcase. >> Say you have a degree in English then. >> Okay. Not that I am able to understand. slanalyze written text in the ancient. English language.

>> Okay. >> I don't know what to say to that. >> Not a great resume. We can work on. improving that. That's fine. It is oddly. better surprisingly than many people. But your experience is not Your. experience is not thrilling. >> As soon as I get a better resume, um. >> Well, your experience isn't going to. change. >> Maybe then you'll hire me for your show. >> Okay, shut up. Nope. Not gonna what the. would you Yeah. join our writing staff. for a impromptu random show where I talk. to people. Well, what what am I going to.

hire? A copyriter. I guess maybe you. could work for a copyrighter. Except I. have already have. >> That's the kind of thing that I think. would actually work. >> You would never You will never step foot. in this building after we finish this. episode. >> That's so mean. >> Yeah. Well, I'm being truthful. >> What about for after like to check on me. later? >> Yeah, you can come back for a follow. >> Thank you, Caleb. >> Not for a job, though. I thought you. were banning me though. >> I thought I was banned. >> No, no, no. >> Okay, that's okay. I'll find other work. >> Okay, so what came.

>> I don't know you I guess. And you're. only going further into debt. >> Yeah. >> Okay. Total that came in Door Dash pay. was 1,252. I mean, it said 1,700 and that's about. what's lining up. Okay. How much did you. spend last month? 1,700 came in. Okay. Stop clicking with that. last night. >> Thank you. >> Um, >> trust me, you're not going to write. anything good with it. >> Ouch. I don't know how much I spent.

>> Why? >> Because I don't have an idea. >> How do you not pay attention? You have. to have your grandparents money. everywhere whatsoever. >> No. >> Well, you already do. >> Nobody knows. Nobody knows anything. about my finances. >> Okay. Well, no, no, no. But they baby. you. They pay for your gas while you're. out there. >> Mhm. >> Yeah. So maybe you should know a little. bit about your finances. What do you. think you spent based on your knowledge. of you just existing? Go back previous. month. >> This is what I was doing. >> Let's say 1,500. If I had 17 come in,

>> okay, 3,242. So obviously you're not going anywhere. productive in life whatsoever and you're. not going to get anywhere. How would you. even be able to move back to Santa. Clarita? Is there a place there for you? >> That's what Okay. The way that it works. is like I make goals and plans and like. ideas and wants and then eventually like. I'll sleep in the closet of try to get. Yeah. Right. I'll try to get money to do. whatever I want to do. And then I try to. make that happen somehow. And then once.

I get enough for that, I'm like, cool. I. have. >> spend double what you make. What the You. don't have enough for it. What are you. talking about? You don't know what. you're talking about. What are you. talking about? >> Like anything. Anything. >> No, you spend double what you make. What. do you mean? You save enough and then. you get you get what you want. What are. you talking about? Like if I just Okay, I look. it's complicated because. >> apparently the reimbursement we're. giving you for traveling here, you're. using it to go to see your prison. boyfriend. >> That was a plan. Yeah, cuz I mean it's. like a 10-hour drive from here. >> Usually it's meant to cover people's. travel and time they take away from.

work, >> right? So I know. >> now this is a healthy relationship. Let's continue it. >> Mhm. So those are my option. These are. my options. You want a convict. from multiple states to be in your life. forever when you're going nowhere in. life? He is going to drag you down. Do. you not see? He got imprisoned then on. parole and then prison again. What do. you think? When does he get out? >> Saturday. >> He gets out Saturday. >> Yes. >> All right. Security guard on on armed.

and ready. >> here. >> Yes. >> I'll be there. He doesn't need there. since February. No, since like May. He. was very quick. >> He was in California. I know. Yeah. So, he's he's not in prison. He's in like a. correctional facility and then he's. going to be released to a halfway house. >> and. >> he's going to do great. >> Well, historically, no, but hopefully. >> Yeah. Well, he has my name tattooed on. him, so I hope that he can make the. right changes.

>> It's a prison tattoo. >> What do you do for him? >> A jail tattoo. >> What? >> Why is he with you? Um, >> can we call him in prison? >> No. I was hoping he'd call me. >> Can you? Well, you can't text him, kid. >> You can't. No, just luck of the draw. >> He doesn't have a prison phone. >> He does, but he has to wait in line for. it. And. >> I meant a telephone. >> Oh, no. >> Hidden. >> No, >> of course not. >> He's He's trying to be good. >> He's trying. He is. >> I told him that this is the end of it.

If he wants to keep messing up, then he. can do it without me. And he might do. that. Who knows? Yeah, I would have. called it by now to be honest, but okay. Okay, we should get in these finances. cuz what the even is this? Oh, I hear. that you cried and said I'm in survival. mode. Off. You be in survival mode. You're not in survival mode. Don't tell. my producers you're in survival mode. Look at you. You're around. You. work 14 days a month. I don't want to. hear it. You spend all your money on. bull probably. >> Yo, I do spend a lot of money on.

>> but those 14 days I'm not working. I'm. serious. I've spent like probably a full. month in the hospital. >> You are the opposite of serious in every. way whatsoever. >> That's very true, too. >> I don't want to hear it. Your career is. nothing. You want to go be every type of. influence you can possibly be. Yet, you. are You haven't done You haven't even. attempted one piece of content strategy. or writing. >> That's not true either. I have a Tik. Tok, but um. >> I have a review and I have other videos. like cleaning stuff and just random. content like cats or me singing. I don't.

like cats, by the I just have a video of. cats. But um yeah, uh listen, thanks for listening. That was a good. listen. I don't have much to say. Um. >> cuz I'm hyperfocused on your mustache. Okay, let's go into these finances. Uh if we may, where do you think your. score is? 0 to 10. Zero being the worst, 10 being the best. >> Probably zero. >> Probably zero. If you want to get your. score, take the free assessment. It's.

free. You'll see where you stand in the. world of money. Caleb.com or. dollarwise.com and make sure you sign up. for the dollar wise budgeting app. Get. that free trial. Sign up for the annual. version to save a lot of money and get. our budget friendly cookbook signed by. me mailed directly to you. And if you. want all our educational products and. the premium version bundled together for. 80% off dollar central dollar.com. Check. it all out guys. Let's get into this. money cuz oh my what an interesting 40. minutes. And this is thick. Almost as.

thick as they those in prison like it. Huh? Yeah. Right. Am I right? They they. always got a. >> What do you What What do you mean? What. do you What do you mean? >> The guys in prison always got a thick. girl waiting for them. >> Oh my god. >> Okay. Amazon Chase card. What is going. on with this? >> It's been closed for a long time and I. >> Okay. It's accommodating interest. >> Yes. >> You're just not spending on it? >> Yes. >> Uh well, it is above No, it's closed. It. is above the credit limit by $45928.

>> Yeah, because of interest. >> No, because you didn't make payments. You dumped it. >> Yes. Yeah. >> And it's not because of interest. If you. make your payments, even with interest, you make progress. >> No, I just meant like it's able to be. that high above it because the interest. has accured. That's all I meant. >> No, if you make your payments, it would. not go that high. What are you talking. about? I haven't made payments, nor have I. >> There's the actual answer. Great.

Okay. So, what what when when did you. get into this, Dad? What's the story. behind this card? >> It's an Amazon card, so I can use it at. Whole Foods and Amazon. >> Okay. Insightful. When I was living in. Northern California, I. kind of like I opened a lot of different. credit cards because I I was approved. for them and I was like, I can use this. for that. And like when you get an LLB. card, >> you had no intent. >> Hm. >> You had no intent. >> Um there were different intents for.

everything. Like Whole Foods is a good. one for the Amazon card. And also just. like when you sign up, they're like, "We'll give you a free whatever.". >> So that's what it is. You wanted the. free rewards when signing up. >> basically. Yeah. >> Okay. How'd that work? Um, it was, >> yeah, you're in really bad debt. So, this is a substantial balance. Listen, it says the minimum monthly is 775.87. That is probably to catch up on all the. bad payments, all the mispayments, >> right? >> Correct. >> I don't know what the normal minimum. monthly is to write in there. >> Um, it's 77.

>> 77. You weren't making 77. Why? >> Well, so when I was living up north, I. opened all these credit lines and I was. >> I got that part. Why are you not making. the payments? >> I I fell back on I fell behind on them. because. >> $77? >> Yeah. I had like nine of those payments. to make and I couldn't make any of them. >> You go $77 to eat. >> because halfway through a week. >> I had to move from where I was from and. go live somewhere that I didn't I mean I. chose to go live somewhere where I. didn't have a job, but I worked for my.

rent. And then that's why I was working. at Jack in the Box because and that's. why I was working as a pool attendant. because they were part-time jobs because. I had a full-time job paying for. >> understand how you did not pay your $77. a month rent payment though. >> It wasn't just 77. It was like I had to. pick and choose which cards I was going. to pay that month and you know. >> why you have like three credit cards, right? >> You should have been able to own You. have a lot more credit cards than three. >> Yeah. >> Okay. Does this take 8 years to pay off. minimum monthly payment and you ain't. paying that minimum monthly payment?

Pull out your Amazon. Let me see what's. going on there. >> Not much because I'm telling you, >> well, let's see. >> Okay. >> Oh, yeah. Passed through $69487. That's wonderful. That's thrilling. $177. of fees this year so far. $326 of. interest this year so far. 26.49%. interest rate. The only reason that this Amazon list is. bad is because I just made purchases on. it. >> Can we be honest? I bet you're just. trying to keep up with the lifestyle of.

the people that were living in wine. country. That's why you hated their guts. in the end. >> But I was making good money out there. And I was. >> What's good money? >> You ever look at your bank account and. realize half of your paychecks gone to. food delivery and disappointment? Yeah, same. And that's why I've been using. today's sponsor, Factor. Factor sends. fresh, not frozen meals straight to your. door. No prep, no cleanup, no weeping. into a cutting board. Just heat and eat. in 2 minutes. Skip the overpriced. takeout trap. Factor is cheaper and way.

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get 50% off plus free shipping on your. first box. Click that link below. Treat. yourself to food that doesn't taste like. sadness. And now that I'm wellfed, let's. get back to the episode. Healthcare. isn't just about numbers on a chart. It's how you show up at work, in your. relationships, and with yourself. But. let's be real, trying to navigate. insurance, it's like decoding an ancient. language with a calculator from 1994. And that is why I want to shout out. today's sponsor, Row. They've built.

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ROW members do have insurance coverage. for these meds. Go to row.co/caleb. to check your insurance for free. That. is r.co/caleb. And of course go to road.co/safety. That. is r.co/safety. for blackbox warning and full safety. information about GLP-1 medications. Let's get back to the episode. Cuz. making $1,700 a month, most things are. good money. >> Yeah, exactly. Um, I was making better. money. Well, up there, I was living with. my grandparents, too. My other.

grandparents. >> Yep. You're incapable of doing anything. on your own. We've established that. >> Yeah. But I was there to help him on. hospice and. >> No, you. >> Anyway, >> come on. You you said it's a cheaper way. to live. That's your entire excuse. That's not okay. >> Come on. Yes, it is. >> No, it's not. I left my job to go and. help them with their business, but it. ended up being a show. And. >> your Amazon. >> Okay. >> And tell me how much you were making cuz. you said you're making good money. >> Uh I like like 20 I think they were. paying like 25 or 28 an hour and it was.

>> in Northern California. Okay. Come on. >> 40 hours a week here. >> Oh, for sake. God, not much. Okay. This. is just like skin care. Skin care. Skin. care. Skin care. Lip lip or I backpack. Uh, this is all within um, by the way, I. just want to throw this out. Two days so. far. Backpack. Backpack. Backpack. Luggage carrier. Ice ice. Toothbrush. Toothpaste. Travel. Travel. Lots of an.

endless amount of travel bags. Air tax. Travel bag. Travel bag. Travel bag. Uh, dental floss. You're buddy. You said not that much. And this is literally more than anyone's. Amazon that I ever view. A cushion. steering wheel cover, a upgraded car. center uh console cover, AirPods case, a. leather holder for the keychain thing. that we put the Air Tag in, travel. bottles for toiletries. Wow, this is a. big investment to go on this trip. Oh,

by the way, AirPods two wireless. earbuds. >> Yeah, thank you. Screen protector for Apple Watch. I. mean, she has an Apple Watch. You You. make $1,700 a month before expensive. Shut the up. Endless supply of. colorful socks. Endless supply of. regular socks. Dude, I don't even know. what you use this for cuz you sleep in a. closet, but it's one of those things. that makes you sit up in the bed. So, your heart burner in that bed. >> A lot of those purchases are for my. grandparents. >> Okay. And the Anchor noise cancelling. earbuds. >> Okay. Those are for me. >> Absolutely. And then you got the.

AirPods. Great. >> Yoga mat. >> Yoga mat to sleep on. >> honestly. >> Washable under pads. Waterproof, reusable something. >> What? >> I don't know. You got it. More yoga. mats. I guess we double we double. layered. Slide proof mini spin pins. But. uh and finally, we're out of a. month. Thank goodness. I don't Sorry. I. don't know what I was looking at there. >> Anyway, most of those were returned. I. just want everybody to know that. >> Not most, but the bags. Some of the. bags. Bags. Bags. Not the. Dude,

>> what are you doing? >> I'm looking at your subscriptions, you. tit. >> My god. >> Finance show. Oh yeah. Oh my gosh. Apple. Care. Apple Care. Apple Care. Apple. Care. Apple Care. Apple Care. She has 1. 2 3 4 5 six. Six. Apple Cares equating. to about 100 bucks a month. That Apple. Care. Crunchy roll. You iCloud Plus off. Apple Music. Die. H. She canled her call map April 10th. I. need that police scanner. Is that to. make the boyfriend avoid the jail time?

I bet. More police scanner. Oh boy. What. are we trying? Yeah, you're helping him. theing stuff his bags keeping the police. scanner on. >> We're just keeping tabs, you know, see where they're at and when. >> For what? >> I don't know. He asked me to get it, so. whatever. >> Oh, he did. This was for him. >> Yes. >> Oh my gosh. You criminal enterprise. >> That's a good way to put it. >> Moronic criminal enterprise. >> Yeah.

>> Oh, good. And your last pair of AirPods. are stolen by your criminals. Also. criminal boyfriend's criminal friend. >> This is true. >> What a great life you live. >> I know. It's really good. >> You live with your grandparents, yet you. just date criminals. What are you trying. to do? What is your life? What are you. going to get ever? By the way, criminal. yourself with the PayPal PayPal scam. Maybe you should have gone to jail. Maybe you should learn something. >> I wish I wouldn't have come. >> here.

>> Yes. >> Well, you're here now, girl. Well, my. hair. Okay. >> I look like a grandparent and I have a. mustache and. >> Yes, you're wearing aing funeral outfit. I don't know what you're on your head. >> I thought it was a funeral out on your. head. Dang it. You know, I tried really. hard to pick a good barret and I guess. this wasn't it, huh? >> Do we wear barretes these days, Lindsay? >> Sometimes. >> Lindsay, do we wear barrettes these. days? >> Okay, Lindsay's being very nice and says. it looks nice. Well, it's cuz she's.

nice. >> She is nice. >> Yeah, she has the really nice. >> good cop, bad cop. >> Okay, >> that's true. No, no, no. You just got. cottage core going on, but you know, you. got like the uh uh uh uh Phyllis from. the office look. What is. >> I'd like to lose weight, you know. That'd be cool. >> That would be cool. You know, you have. to do something to do that paying off. debt. >> I know. It's really hard to not just. want to like give up on everything all. the time. >> Okay. So, you're never going to get. anywhere ever. What's the point? What.

are we doing? What are we talking about? Yeah. Get. >> I'd like to stop living like that. because I feel like in my 20s, I didn't. grasp the concept that like you make. your own bed and you actually have to. lie in it. And there's like this concept. that. >> I never make my bed. >> Well, you made a life for yourself and. that's the important part. Um being. >> your life was criminals. >> Yeah. So, it's like I feel like I've. gotten to a point where I'm like, "Oh my. god, my choices my choices matter." What. I do matters, time matters, you know, how I spend my life.

>> Yet, you spend double what you make. still, even while realizing this, >> I guess. So, >> everyone has the grand awakening the. moment they're on financial, ladies and. gentlemen. But not the day before. >> I feel like I I didn't know how much. debt I was in. I didn't realize that I. had spent that much. I you know, I'm. really. Exactly. That's what I'm saying. Like, I'm I'm just perpetually unaware. >> Manifesttor. >> That's Yeah, kind of. Oh sake. So. that's your plan to pay off, huh? >> No, it's just like you live your life.

You try your best. And. >> you're not trying your best. >> I know that's true. >> What are you talking about? >> It's hard. It's hard when you have. >> Life is hard. Who would have thought? >> I know. >> We're justing born onto this planet. where the main planet's goal is to kill. us. Who would have thought? Life is. difficult. >> Yes, >> we live a pretty damn comfy life. compared to the rest of human. civilization. >> Agreed. >> Throughout history. So maybe don't. complain doom gloom all the time. Actually do something with your life. You have more control than you're. allowing to you're allowing yourself to. think. >> Phil is from the office. Really? >> Yes. >> Dude,

>> is she married in the show? >> I don't care. >> Oh, >> anyway. >> I don't know. >> Oh, whatever. Whatever. So, let's get back to these finances. >> Yeah. Yeah. GS Bank. What's going on. with this? I wish I could see a. statement. >> I don't know what that is. Oh, good. >> I hope it stands for Girl Scouts, but I. know it doesn't. >> It doesn't. And you would not be. permitted. >> I was a Girl Scout. >> You're 31. >> I know. But you can still. >> I wish you weren't so childlike and. everything.

>> Yeah. >> Would be real nice. Listen, you've made. 74% of the payments on this card on. time. >> Mhm. >> Okay. >> Go. Uh, that must be the Apple card. >> Can I see? Cuz I'd rather see a. statement than something from your. credit report. Oh, good. She spends a lot of money on. crystals. That's wonderful. Oh, good. The balance is only just stay the Okay, Apple card. Wonderful. What's going on.

with this card? >> It's overdrawn. I got it initially. because I wanted to get a MacBook and. >> limit. >> Oh, 1,700. Yeah, you are over. You have. $1,771.35. For sake, why? >> No. Payment due tomorrow. What? How? How. much is. >> normally? home. >> Yeah. Wouldn't it be nice if someone. would just come in and be like, I'll pay. that so that you can. >> thisude. I know. I know.

>> the world works. >> I know. >> Okay. The minimum you can pay to keep it. current is 57. We'll put it at there, but obviously it wants you to pay a lot. more than that. It wants you to pay a. total of $1,771. Well, the entire. balance, of course. Okay. Well, then. yeah, that's the total pay. Fair enough. So, minimum monthly is uh $57. H. okay. crazy. Interest charging like. crazy. Audible declined over the limit. Audible declined over the limit. Audible. declined over the limit. Wonderful. So.

that's what's happened this month. What happened in May? Audible declined. over the limit. Taco Bell declined over. the limit. You tried to swipe Taco Bell. on here. >> Yes. >> Oh, okay. June. Audible declined over the. limit. Wow. >> So, there are no purchases on it because. I haven't. >> How much do you give your grandparents. for rent? But it doesn't make sense cuz. they give you money for gas. >> I know. It's like I know it doesn't make. sense. It's kind of like they just pay. me back like half of what I give them.

pretty much. >> Yeah. That's what I was saying. How much. do you pay them? >> 400. >> And then, >> dude, just move out. Move the Get away. I know. >> Yeah. You're not there to take care of. >> I don't know what to do. I don't know. what to to do for them. I don't know. where they're going to go. Yeah, >> they're already planning on moving to. Oregon. and get him there quicker. >> My grandma can't go there. Like she. >> So, we're waiting for her to die and. then grandpa's moving. >> No, I don't know what. >> So, what are we talking about then? Cuz. you said that's their plan. >> The. >> You just have to move. You just have to. get out, dude. Yeah, >> you have to get out. Use their They can.

use social services they paid into. It's. not 100% perfect. Absolutely easier said. than done 100%. But you are delaying. your entire life living there and. they're honestly taking care of you, babying you. >> Well, I'm just Phyllis from the office. anyway. >> Yes, I agree. We all know that. She. lived a better life though, so that's. actually not the case. She's a pencil. pusher. I'm just kidding. I don't know. Anyway, enough. >> Hey, you're obsessed with this. I don't. know. >> I It's It's hurtful. I don't know what. to say. >> Her full. Welcome to the show that you. agreed to come on to that you watched. the onboarding phone calls and all the.

conversations we had before. >> I know. Okay. So, anyway, >> you going to harp? >> No. >> So, Apple Card. >> Yeah. >> To get a laptop. >> Okay. get a laptop. >> for your very special writing. >> because I was in school and I wanted a. better computer than what I started out. with. >> A writing degree. >> Yeah. Um anyway, I've taken a lot of. classes. I have a psychology degree, too. But I just want to pursue English. because that's. >> So, what is pursuing English to you?

>> Learning it and like Okay. So, I. >> Yes, we know you're able to what was it? Transcribe English. >> Yeah. So, I want to become more. proficient at it. Like I want. >> What are you going to do with that? >> I'm going to write. >> Oh, >> okay. The whole thing if. >> Send this to your kids before they go to. college. Send this episode to your kids. before they go to college, guys. >> Thank you. Yeah. Do something for your. children before they go to college so. that they can have some kind of success. and not be like me. >> Oh, you're blaming this all on your. parents.

>> No, I'm not blaming it all on What are. you saying? >> I'm saying that it's hard to navigate. things when you don't have people who. help you. Like people who have their. parents help them with school, help them. with college applications and things. like that and how to finance and how to. do things like that, they're set up a. lot better. >> People get that. >> A lot of people I knew, a lot of people. I know are still like in relationship. >> No, I just think you're in an endless. victim mindset and you think everyone. has it easier around you when it's not. even close to the case. >> I mean, that's okay. >> I'll get you a course career. certification so when you need to get a.

real job, you can actually get one. >> What do you think? And like what though? >> Accounting or whatever you want. It's in. the trades now, too. There's so much you. can do. Okay. Brightway main financial. Okay. No. progress here. Oh, we didn't pay. Oh, we're over the limit. Me. You. Why, dude? Why do this yourself, >> dude? >> What are you trying to do? >> I don't know, man. I was just trying to. live a good life. And. >> No, you're doing the opposite. >> I know. I created a bad one for myself. >> No. Why aren't you doing anything to fix. it? $1,5141.

is what you owe. minimum. What's the. normal minimum? Obviously, you have a. lot of stacked up because you're not. paying. You're currenting $40 in fees, $31.19 in interest. $1,000 limit. >> I don't know. >> Tell me what the minimum normally. >> probably $60 or something like that. >> $60. Of course, she owes $845 to catch. up. >> I know what are we doing. >> I know what the um I know what the Chase. credit card minimum len. >> What did you build this up with over. when and what is going on? >> It could have been anything. It's like.

hair care products, um, or nail polish. or dresses or jeans or anything that I. wanted at the time. Splurging, hedonistic behavior. Like, >> why do you get to be splurging? Don't do. anything. >> I I It's. >> Why do you think you're entitled to. that? >> Um, because I want to. It's like It's almost like the I'm stuck. in this mindset of like tomorrow is. never guaranteed, so live for today kind. of thing. >> That's stupid. tomorrow statistically. likely to be there. >> I tell myself that and for some reason I.

can't comprehend it and it's like a. coping mechanism for like sadness and. things like that. Like just a little. treat here and there, blah blah blah. blah blah. >> Well, oh no, my criminal boyfriend is a. criminal. I'm sad. >> That's the least of my concerns. I've. got I've got others sad. Everybody has. sadnesses, you know, but it's for some. people it's just hard to get out of it, I guess. I don't know. And especially. when you're me and have acted like how I. have. >> Oh my gosh. when he was out of prison. You're using this credit card to get him.

not just clothes and food, but burner. phones for his business. >> The boyfriend? My boyfriend? Yeah. I bought him a couple phones from. like Walmart, I think. But it wasn't It. was just because he would lose his. phones a lot. >> You think that's why? >> No, I bought them because I wanted to be. in touch with him. I was like, "Here's a. phone so I can call you.". Yeah. >> How often was he losing phones?

>> Maybe like once a month. I didn't buy I. bought like two phones for him, I think. And he would try to keep them if I. bought like he tried to keep the ones I. got him longer than the ones he would. just acquire. >> Just a delinquent. >> dude. He's just really fun and he's like. >> Yeah, he does a lot of and he goes. crazy. Sure, he's fun. >> I know. >> That's the future he wants. >> No. And honestly, >> and why are you still with him? >> Because I think that he can change. I think that he can do better if he.

tries. I think he's. >> than you probably. But in life, I don't. know. >> I think so. >> So, you're going to support him? >> Yes, he. >> can't support yourself. You live in a. closet. >> He's my husband, so all of my finances. are his, too. >> Yeah. Just kidding. We're not actually. married. But. >> I see you preacher. You're It's not. funny. >> I'm sorry. >> I'm trying to get your together. I I got. to take everything you're saying with. truth. If I can't trust you, what am I. going to do? >> I told you the truth, though. So, you.

can trust me. I just feel like reality. is really weird. Yeah. Reality is very. weird. And I don't like I don't know. Just existing is like what's what's. real, what's in my mind. >> Oh my. What is happening? >> Yeah. >> No, don't don't try to say that you and. I are agreeing. >> Oh, >> no. No, no. 28.49% 49% interest rate, fees and. interest charged like crazy. Of course, who would have thought?

>> So, how do I. >> What is this? Oh, after what? >> Nothing. How do I get rid of a mustache? Do I just wax it or is it cuz I'm. wearing makeup? See, this is why. This is why because my. mind is not focused on the, you know, we're doing something here and I'm just. focusing on. >> uh we have razors from another show we. did. >> No, razors. I don't Anyway, >> that's how people shave is razors. Yes, but waxing works.

>> Waxing. So, okay, never mind. >> Got it. >> Afterpay. >> Afterpay. >> Could have afterpay some razors. But I guess we did American Eagle. Pureology Farmers Pharmacy Beauty. Tilly's instead. >> I don't even shave my legs. >> Can we see those suckers? >> Not on TV. TV. >> All right, let's be real. Making full. videos from scratch is usually a time.

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about day trading. But every trade is. decided by spinning a cursed wheel. Was. that the right move? The market's going. wild. Last spin, guys, and I'm about to. lose it. >> And it delivered a masterpiece. Chaos, drama, regret, everything you want in. finance content. And here's where it. gets even crazier. You want to change. something? You don't have to learn. timelines or editing software. You just. type in a command like add my voice or. add a lesson at the end of the video and. it does it for you.

>> When you let luck decide your trades, it's pure chaos. >> Nvido puts you into the director's seat. No learning curve, no timeline, no. nightmares, just you, your idea, and the. magic of generative video. It acts like. your creative partner and does all the. heavy lifting for you. Let's get back to. today's episode. >> Oh, >> yeah. That's what I'm saying. Oh, I was. ready for this. I guess. >> I'd never look at guest legs. >> I know. >> that's not something to be ready for. >> I wasn't expecting to even tell you.

that, but I was expecting to be like, "And these lights don't do anybody any. favors." is, you know, girls come on. here with their unblended everything and. I'm like, "Oh my god.". >> Anyway, I feel bad for people who come. on here and now I understand why. And. and. >> why are you doing it? >> Uh I honestly. want to. try to understand what you're trying to. tell me. I think I watch your shows a. lot and I think often like what would he.

say about this or you know like I try to. use that as an inspiration kind of thing. like what you say. So being here with. you in person talking about it is the. best you know thing I could do. Okay. >> After what is going on with Afterpay? >> I can't use them anymore right now. because I owe them money as if I if I. pay them I might be able to use them but. >> probably but you shouldn't. >> It's like PayPal. Can't use that either. No, I'm being told you're banned. >> from Afterpay. >> Yeah.

>> No, I just owe them money. They email me. like every day really nicely like, "Hey, we have a payment plan set up for you. Okay, just do that when you can." And. then eventually it'll probably just go. to collection. >> All of it. What the are you even trying. to do, man? >> Right. >> What's the total? Okay, buddy. I don't I think it says Okay. $39029. minimum monthly payment. I don't even. I'm just going to say 100 bucks. This is. four payments. 100 bucks. >> Sure. >> Oh, you're banned from CLA as well.

Okay. >> I Yeah, that CLA. >> Well, it's Alone FCU. >> That is a federal. >> You just missed your most recent. payments. >> It's a federal credit union. >> That's good. It's maxed out. Who would. have thought? I know it's a credit. union. I'm just. like, what's going on? >> Oh, >> yo, $486. It's a minimum monthly payment of $25. normally. You missed your last payment. >> Yeah, I thought the account was closed.

Um, but actually, so I was. >> nope, it's open. >> I was going to say the reason that I. know the Chase. Um, >> you think every account is closed. >> I know because it's just like, well, it's probably closed because I haven't. paid it in so long. It's like. it's it's like easier to run away from. your problems because they just exist on. the internet and like you get letters. and stuff about it, but you still live. your day-to-day life. And if you have. cash like from your jobs and you just. owe a lot of money on credit, you can.

like trick your brain. But it is it. doesn't work though because you just. live in constant constant anxiety over. your money problems. So, I am working on paying that one so that. they can let me use the card again. Not. that I want to use the card, but I the. account's open. >> You just said so I can use my card. again. >> I mean, I could if I wanted to. I want. to keep the account open because it's. one of the only credit lines I still. have that. >> What do you Why do you care about that. specifically?

>> Because I know multiple answers. I want. to know why you. >> It is important to have long-standing. credit. >> That's why you care about your credit. score. >> Yes. Yeah. And then. >> for what? What do you intend to do? Well, hopefully get an apartment at some. point of your own. >> Yes. Yeah. Housing, cars, things like. that. You know, you need credit. You. need good credit. >> Wearing a wedding ring. >> Um, it's not a wedding ring. It's like a. clad doll ring. >> It's on the. >> I know. It's just because I like to wear. it. I like I like rings and it's the. finger that fits on. >> Okay. I don't think this guy's going to. stay with her after he gets out cuz he.

wasn't with her before he got out. Only. got technically with her when he was in. And I think she just is pretending. marriage. >> In fact, in this conversation so far. with you and you thinking you're the one. taking care of your grandparents, I'm. not even sure this guy is with you. >> I'd say he is. >> I wonder what he would say. >> He would say that I'm the love of his. life and that he never wants to be. without me. >> Cuz he wants someone to call him while. he's in prison. >> We'll you know, time will tell.

>> I don't Yeah. Friday. >> I don't think so. No, we were together a. long time before that. We've been. through a lot of together, >> but he didn't call you his girlfriend. >> because he's an idiot. He's kind of. dumb, but it's okay. I love him anyway. And this ring wasn't from him. And. >> I know. >> Yeah. But I have other rings that are. from him. But anyway, I'm just saying. like I don't wear it there to indicate. that I'm married. I just like wearing. rings, bro. >> Oh, dude. I don't think she Okay. Okay. >> I know. >> Okie dos.

>> Yeah. >> Okay. We have another credit card. This. one was paid off, oddly enough, but then. it was immediately spent on again. So, and I'm not going to consider you likely. spend Oh, it's a secured card. Okay. >> Okay. Okay. Okay. Okay. Okay. >> Well, Mountain View Market, Taco Bell, Amazon, Amazon, Coconut Land. So, this. is where she gets Amazon now, not the. Amazon card, cuz I was going to say she. definitely got a lot. Panda Express, Amazon, Amazon, Surf, Little Caesars, Amazon Just Meets, Wild Coffee. Who the.

are you to spend $450 on all on. one card when you make $1,700 before any. expenses on a monthly basis and are. being taken care of by her disabled. grandparents again? Both sets $450 in a. month spending on bull. Who do you think. you are doing that? >> Uh, >> who the do you think you are spending. that kind of money? That is disgusting. >> Well, it's money that I make. >> What? >> It's money that I make, so I spend. Yeah, but you're not going out there. living a good life. You could be. independent. You could be You're 31.

living in a closet. And you probably think you're. Harry Potter knowing your mystical mind. you live in. >> Oh, everybody calls me that. That's funny. I. don't think that. >> Oh, >> Mystical minds. Yeah. >> Yep. >> Flip to another random page. >> Dude, this is. >> another random page. You brought it. This is what you get. Random page. I. said no. Random page. Random page.

>> here. >> Cool. Random page. Uh, apply January 2nd. to February 28th with letter Az. >> This isn't a good notebook for this. >> Uh, county assessor's office phone. number. A bell phone number. Phoenix. phone number. >> I'm. there. >> What else is there in there? >> There's love letters and things like. that. Can I see one? >> You can see but you can't read.

>> to who? >> To to Dallas. >> That's a fake name. Okay, >> let's go. Come on. >> Fine. >> Oh, you think I wasn't going to on the. show? Come on. Baby doll. >> Baby doll. >> I'm at the hospital with my dad still. They said they'd be transferring him. today, but now they're saying saying. tomorrow. I miss you. You said you're on. lockdown now. Now, first of all, why are. you writing this if this isn't going to. him? But.

>> I've read him a lot of letters, but. >> I hope you still get to call sometimes. >> What? >> Okay. Sounds like you guys haven't. talked in a while. Lock down. >> He was on lockdown. >> and he's totally real. >> Okay. >> And that you get your commit uh. commentary. Crossing out some words. I love you. Sorry I haven't been writing. >> Yeah,

cuz we we talk on the phone. >> I thought you weren't getting my. letters. >> I did think that. What? >> I'm tired. Okay. All coming together, ladies and. gentlemen. >> Why did I bring this? Why did I bring. this? >> That's a fantastic question cuz I did. not request it. >> Oh, I'll get there. But I'm just diving. through and I'm learning you, dude. Oh, you have three phones. That's great. I'm being told no one requested that.

notebook. >> Uh, obviously not. I brought it to take. notes. >> We'll get there. I'm still going through. the learning section. >> AutoCAD. What is this? $3,816.19. >> This is a car payment that is no longer. a thing. >> Repoed? >> No. Uh, totaled. No, you still have to. pay. >> I paid it. It's paid off. Oh, wait. No, this is my current car payment. No. Yeah, I owe that. That's real. I pay.

that each month. Sorry. >> Okay. It's worth 5,000. Whatever it is. What is it? >> It's a 2015 Subaru Forester. >> No, that's a that's that's that's that's. a that's a Is that this car? Yes, it is. Okay. >> Okay. Okay. car. You owe $3,816.19. What is your minimum monthly payment? >> Like $3.85. >> What is your interest rate? >> I don't know.

>> Okay. >> I know. I've been trying to find the. documents that. >> you've been trying to find the. documents. Have you attempted to, you. know, >> talk to them? >> Nope. >> Okay. >> I was hoping it'd be in my email and. then I looked once and then I didn't try. again after that. Oh, that's our. attempting to. Okay. >> It's like it's like I get these ideas in. my head. >> Out to loan one FCU. This is your other. car that is totaled. >> Yes. >> Well, you sometimes make payments, sometimes don't. I don't know. So, old.

car. So, nothing to speak for this. No. asset to speak of. >> Nope. >> Okay. She owes 8,000. Oh, >> this is. >> 900. No, it's not. >> It. is though. >> No, it's not. I called them after. printing after getting this. I called. them. >> Okay. Well, I'll cross it out for now, but. >> I believe most things you think are. reality are not, >> maybe. >> Okay. Uh, some Schwab thing.

>> Yes. Lewab. >> What do you owe Lew Schwab? >> Probably around $400. >> Uh, for what? What is this? >> Tires and car maintenance. >> Oh, for sake. Is there Yeah. minimum. monthly payment is 50 bucks. Interest. probably acrewing. Sometimes makes. payments, sometimes don't, >> dude. This is just I don't understand. how you're even just what you've just. around so much. And. >> I know, man. And it's just like what the. right. I feel the same. I'm in the same.

boat as you not understanding. But then. Okay. Okay. So, it's like I get these. ideas in my head and I'm like, I got to. do it now. >> Oh, I know you get ideas. >> It's like impulsivity. And that's why. I'm like, "Oh, I tried to look that up, but then I stopped after I didn't get. there because I have no deter." Like, it's like I have no uh discipline. There's no there's a lack of discipline. here. >> There's a lack of a lot there. >> Yeah. >> Student loans, federal student loans, $17,470. I assume you're like on a $0 payment. plan, right? >> Correct. Right now, I mean, what do you.

mean by that? $0 payment plan. >> As in your income based repayment, zero. bucks. >> Oh, I don't like I I'm on a deferment, right? I'm It's They're being The. payments are deferred right now. There. is no payment plan in place. >> Okay. Well, all deferments are coming to. an end, so you better pay up, dude. >> What do you mean? >> All the Well, are you requesting. additional deferments? Cuz the. deferments that were just there. automatically are all coming to an end. Oh, well, no, you're at school. You're. at school. >> You're actively in school. >> Sorry. Sorry. >> It's okay. I You had me scared. I was.

like, what did the president do? Did he. do something? >> Well, he's capping how much you can. borrow in terms of student loans and the. student loans. Yes. And the student. loans you're borrowing right now have. very different payment uh types when you. come back. Your income base ain't going. to be as simple as it was with your. previous balances. We're going to have. to see. But you're going to owe money on. a monthly basis. >> Yeah, >> that's what got signed into law under. the the big beautiful. >> one. $17,470. currently. How much are you borrowing.

per semester? And for how much more. longer? >> I don't know. >> Okay. and. probably at least until like 2020. >> Toyota Motor Collections. >> This one I don't. >> was closed. Yeah, it's in collections. essentially. >> But it shouldn't exist. This. >> Well, it does. >> I know. I've had. >> Why should it not exist? >> Because this was for a different car. that was totaled and I had insurance and. gap coverage through the company and. >> did it wrong. That's what you. collection. I. >> I spent a long time trying to figure. that out.

>> Target also in collections. Why is. Target in collections? just because I. didn't pay my monthly bill. >> Why? >> Um I don't know. I feel like I it was. already It was probably It's probably. like the mentality that it's already. maxed out. I can't use it if I pay the. minimum on it. >> Chevron card collections. >> Yes. >> Why? Uh, these are cards that I opened. when I had a better income and that I.

paid I would pay off and then when I. lost that and didn't make anything, I. lived off my savings and stopped making. payments to anything. >> Webbank.com. collections. Why? >> I don't know what that is. >> Of course. Well, this one's 1514. The last one was. 1,272. >> Can't believe it's $40,000. How much. these 48 40 see this is I don't even. remember. >> 46,6706.

capital one collections why. >> same reason as everything else man just. spending spending spending. >> not paying. >> another capital one in collections. >> yep. >> last one 293 this one 945. >> yeah I think they gave me a card and. then they gave me another card You're. trying to give me. >> I don't know why, but looking at you, I. want to go to a Chinese buffet for. dinner. I have not had that urge in. about a decade and a half. I do not know. what's going on. I can't answer it.

myself. I don't know. Midland Credit. open. What is this? >> I don't know. >> Behind? You're behind? >> Yes, it's. >> I don't know what your minimum is. >> I don't even know. >> Well, it's about to go to collections if. you don't. All right. Well, 336 error. I'm going to. say a $50 minimum payment. I don't. know. You're going to make me go to a second. sheet. That is a rarity. Oh my. What is.

wrong, dude? What the is wrong? More. midland. Oh, this is like you did. consolidations. No. >> Oh, probably. Yeah, >> probably. >> No, no, I've only done one. consolidation. It was through Alto one. >> Oh, well, these are different accounts. within Midland. >> Different account like probably Sephora. or Victoria Secret, I would say. sake. >> They might be 56 on this. I'm going to. say a $50 minimum monthly payment. I. don't know. >> They're probably more than that. It's. probably like. >> Well, I don't know. Listen, the overall. thing portfolio recovery. My gosh. No,

>> those these are just Yeah, these are. people who have attained my debt from. who I actually owed in the first place. So, the accounts are closed and they now. >> Yes, this one's collections. Sorry. >> Yeah, >> last one. Okay. Yeah, they're all. collections. >> Collections. Yep. >> Sorry. That's okay. >> Okay. Another collection. 639. Okay. You've just never done anything in your. life. >> Yeah. >> No offense, but you are a complete. failure. I I'm call it as I see it. >> I'd like to change that. I'd like to.

>> What have you done to change it? Cuz I. see nothing. Apple cash. What's going on. this. >> What's going on with. Are you singing to yourself? >> It's like background music for the Apple. Cash. It has a song when you pull it up. >> I guess I just do I just do what I want. >> We need to study her as the human race. We need to study her. Okay. This is what. you use to send your boyfriend money.

I'm glad I have my producers to answer. your questions cuz you're incapable. Inmate photos. >> Yep. >> Yeah. I sent him some pictures of me. Not anything inappropriate because. that's not allowed in jail. They're. innocent photos. Thank. >> selfies. So. anyway, that would be really weird. >> I No, no, no, no. Do not ask me to see.

what she sent. I do not want to say no. No, no. >> I'm I don't want to show you. >> Thank goodness. Absolutely wonderful. I'm glad you answered that. Boy, boy. Okay. Cash app $2.20. Apple Pay. >> Wait, wait. What is that? Cash app $220. to prison to prison. I don't. know. To some to someone to someone to. someone to someone. Names are blanked. I. don't. >> Mhm. >> Just send money to Dallas. >> in Starbucks. That's to the guy.

>> Yeah. >> Through Cash App. >> They can get it through Cash App. >> Yeah. Oh, no. No. So, first of all, yes. Second of all, a lot of those are. probably from before he went in there. No. or to people. >> his most recent month you t. >> oh I don't know then probably to. sometimes he would send to other people. through his account but I would do it. for him. >> okay great. >> no. >> okay surprisingly almost $3,000 in. retirement how that's not been withdrawn. I do not know she might not know this.

exists okay account $45. Amazon Prime and that's the end of that. okay weird. Vero bank account. >> This is the big one. >> What happened while you were in the. green room? >> What? >> What happened while you were in the. green room? >> What do you mean? >> What happened while you were in the. green room? Something happened. What was. it? >> I watched a video and signed some. documents. >> Those the classic normal things. Something interesting happened. What was. it?

>> I don't remember. >> Oh my. You've broken. How are you going to make it through. life? She got a call from a collector. >> Oh yes, I did. Yeah, my phone goes off like every day. with phone calls from collectors. So, I. know you think it's not real, but it is. because they bother you forever and you. have to live with this debt inside of. your mind. Okay. in this account. Cash app money. apple cash apple cash bath and body. works cafe smitten. Cafe smitten. Cash.

app cash app cash in Pyrenees Cafe. Cash. app cash app cash app. Apple cash. Endless amount of money when we have no. money whatsoever. Cash app. Apple cash. Apple bill. Cash. app. Apple cash. Apple cash. Apple cash. Apple cash. being said from the people. that are connected to your boyfriend. Definitely legal maneuvers happen. >> Dutch Bros. What? What?

>> What? >> I was just going to say that your thing. about cash app, whatever. >> Dutch Bros. Apple Cash. Apple Cash. Is. this the new PayPal scam for you? >> No. >> Uh-huh. >> It is not. >> I totally believe you real money that. hottopic.com. >> Yeah. Wild Coffee, Apple, Apple Cash, Apple. Cash, Wild Coffee, Apple Bill, Dave. membership fee. Oh, she uses Dave. >> I don't use Dave anymore.

>> Well, you have the membership fee, lady. >> Not anymore. >> This just happened. Shut the up. >> Oh, >> objectively, >> it's changed since then, I guess. I. don't. >> I don't know. >> I hope so. >> $28 in the savings account, and that's about where it lies. Yep. It's like. >> isn't that is not where it lies. You. started with 561. >> Oh, but like generally anyway. >> No, >> it's like I get money and I have that.

amount of money and then I'm like what. exactly can I spend that will take up. all of that money that I have? >> It's like spend double what you make. >> I know. Well, I don't know how because I. don't have any credit available. So, every money that I spend is cash. >> Some of that money was going to credit. Uh, but. >> yeah, putting money towards debt is. still money going out. >> But I don't put. >> your savings went down. >> Yeah. >> Oh, well, I I don't know. It's.

insane. Fidelity 396. taken out because she took out money. from 423. >> Yep. savings plan. 2,689. Okay. So 5,000 in retirement I think. just about. horrible for your age but oddly. surprising.

>> I like to. >> no. >> have something you know as far as. >> you take money out of things. I don't. want to I mean your your the spending. was rejected. No. >> what? I don't know what that is. >> Stop. >> Okay. Your minimum anti- debt payments. are $780. How does the utility situation work in. the house? >> I don't pay utilities, >> internet, anything like that? >> No, just my cell phone. >> What's your phone bill? >> 113 a month. >> Oh, okay. I would definitely switch to.

Helium. That is for sure. Once your. phones are paid off. >> Oh, yeah. Phones. >> Yeah. >> TP fund. Anything else? >> But you're financially supporting him. when he gets out of jail, right? >> No. How's he getting supported? >> He's going to get a job. >> immediately the day of. >> No. >> Okay. So, >> he's going to go to a halfway house and. they're going to have everything he. needs there. They're going to feed him. and clothe him and help him get a job. >> You're not going to go out to eat at. all? >> Huh? >> Together? You're not going to go out to. eat at all? >> Well, I don't even.

>> I mean, okay, let's be realistic. I have. a few options here with what I can do. next in my life. No, >> LA. >> No, in my life, I said, but I could go. to LA. and live there and be closer to my dad. and that'd be that'd be ideal and. >> not a chance you'd afford to. >> I know. I know. But I could I mean I if. I found a job, but. >> how your resume was a joke and it wasn't. even that was like the resume itself. Yeah, there's a couple funny moments. It. wasn't the worst resume. It's just your. experience is trash. What do you convert.

that to? >> What do I what. >> convert that to? What job do you want? What would you want to do? >> Okay. I would like to find something. that I can do um. >> Oh, the creative. >> remotely any anything remotely. >> that's ending in that's for the highest. skilled individuals possible unless. you're doing like some call center job. but. >> do that I don't know. >> right I don't know. >> well no do that. >> a call center job. >> become customer service. >> I yeah I have a lot of experience in.

customer service. >> there you go do that. >> yeah but um yeah I just I need anything. right Now that's more reliable than Door. Dash and Uber. It's not constant. customer service putting miles on my. car. >> C that's probably one of the first AI. job gums are just shipped overseas. anyway. But. >> customer service I know. >> Yeah, we are hiring for customer service. right now. Denied. Besides remote, let's talk about. what kind of job you'd want. What are. you interested in besides writing?

>> Uh. nothing. No, just kidding. Uh I don't. know. Oh, I like I like I think that I. would be decent at like a like a. clerical job like Phyllis. Just kidding. Like a like an admin worker somewhere. Um. maybe I was thinking like for LA County. or some somewhere like that. >> You mentioned journalism to Colton. >> Yeah. Yeah. >> No, dying industry if there ever has. been. >> Well, I know it's it's.

>> Do you have anything that you know might. actually be successful? Not at this. point. >> Um, >> so that's that then. >> Yeah, exactly. That's I don't know what. to do. >> Okay, then I'm ending this conversation. cuz there's no point. >> What do you spend on gas on a monthly. basis? >> Like $300. >> Car insurance. >> 160. >> TP fund 100 bucks. Anything else you. need? You can probably do $200 a month. on groceries since he used your.

grandparents medical healthcare co-pays. Anything? Um, yeah, medical or yeah, I pay like $50 a. month for insurance. >> What about co-pays and though? >> Co-pays? I don't even know. You know, >> do you health? Is there appointments or. the medications. >> for me? No. Because I have been spent so. much of my time focusing on taking care. of the other people in my life that I. shut the. >> I'm being so serious. >> No pet insurance. No. >> Well, you might need to.

>> That's what I'm saying. That's what I'm. saying. >> Okay. >> Specifically, you did not. I did. >> Okay. No surprise. You're over by $400. I don't know. You just Dude, >> I I I think you've given up in this. world, in this life. >> I haven't. Okay. >> What? >> I don't know. I want to do something. I. want to do anything. >> Anything. I want to do anything that can. take me places so I can do things and be. a person and be a good member of society.

and live a good life. >> You can't tell me even one thing you're. interested in that might have a decent. career track. >> Work do that on the spot. I don't know. what to say. >> Do accounting. >> Um. I don't know. I I don't know how. it's like that. >> translate to an accounting degree or I. can get you an accounting certification. through course careers again. >> Stop this waste of time on a degree. that's going to result in nothing.

>> I can't stop with English. It's just I. really can't like. >> oh my. >> it's so ingrained in me that I can't. ever. >> Yeah. It's called you were born in the. United States so you speak English. No, it's called throughout history people. have been recorded. saying very important things and I want. to read about what they have to say so. that maybe someday. >> you can't read without getting a degree. >> Maybe someday I can become enlightened. >> You cannot. >> when you're taking English classes they. assign you books to read based on. certain things and then they want you to.

reflect on what you've read. >> You can't help college holding your. hands so you can't go read books. >> No, I would like a structure with my. classes. I want I want a professor. I want a professor to tell me how to to. do my work and and to judge me and have. expectations and grade me you know. >> I hate to leave you with no hope but. there's noing hope man and this is this. is. >> well maybe I can do accounting like. >> be honest is a waste of time come to the. financial auto post show I know with her.

something crazy is going to come out. that the producers know that I don't. know cuz I know for a fact we didn't. even hit half the in. >> I know I feel like We're. >> quiet now. Hammer financial score. We're. not. We're right on time. Trust me, I. didn't make this go a minute longer than. I needed to. >> Hammer financial score. Spending in a. budget. Overspend 0 out of 10. Debt. collection 0 out of 10. Emergency fund, nothing in savings, 0 out of 10. Less. than a thousand. Retirement. dramatically buying for your age. At. least there's a little something there. 2 out of 10. Real estate 0 out of 10.

Hammer financial score I think it's. going to be Yep. Round it up.5 out of. 10. Join Hammer Elite. Link in the. description below. Three shows a day. posted. Best membership on YouTube. Help. us get to the largest. We'll see you. there for a crazy post show. I bet. >> Watch Financial Audit. >> Shut the up. >> You guys have been doing this criminal. since 2020. >> I'm a snake in the grass. You know who. knows what I'm doing. >> You deserve to go to jail because you've. got him burner phones. I mean, honestly, would it be surprised if the money that. was going through that other wasn't a.

continuation of scams knowing how you. live your life? This is just what he's. been up to as far as legal things that. he's been convicted of. >> The you guys have got up to is crazy. Exclusive members content. Click the. link in the description or pin comment. below and watch thousands of hours of. extra and uncensored content.