Racist B*tch Has $0.02 To Her Name | Financial Audit

That doesn't matter. You're not. budgeting from that. Your expenditure. isn't changing. >> What is an expenditure? Woah. Like how much I spend a month? You want to deal with this guy because. the day after you left he brought. another girl into your guys's apartment. >> Well, she was chopped. >> You know what this Christian white girl. who lives in Texas means when she says. she's chopped? It means she's black. You. immediately went in there and put the. girl's toothbrush in the toilet.

Okay, [snorts] so. >> wrote cheater on the mirror? You are. delusional. Dollarwise is finally here, sending. waves through the personal finance. world. This is officially now the best. budgeting app on the market and I'm. giving you a special deal to download. Take a free 3-day trial to test it out. and then you get the monthly plan at a. 33% discount for the first 3 months or. the annual plan at an insane discount. And most people sign up for the annual. version cuz this saves a lot of money. and you get my detailed 30-day meal plan. signed by me mailed directly to you plus.

the digital version of my cookbook for. each recipe. >> Don't miss the opportunity of a. lifetime. Download Dollarwise and start. your free trial. Go to dollarwise.com or. click the link below. Hi, I'm Delilah. I'm 22 years old and. I'm from Dallas, Texas and [music] this. is financial audit. Thanks for coming down, bubbly. personality. I love [laughter] that. Oh, wow. Yeah, with giggles and all. Yeah. Okay, good. Well, I hope there's some. intelligence behind those giggles. Let's. find out. What do you do in Dallas, 22?

I'm a dog groomer. I groom dogs. Dog groomer, okay. Dog. documenter, okay. Okay, very good. Dog. groomer. Okay, cool. What do you make. doing that? Um Well, I make 60%. commission and then I make $19 an hour. and then I get paid bi-weekly. Okay. >> But it like it. It's different every week. >> Sure, but it likely averages out. relatively monthly-ish. I don't I don't really think so. I don't.

think there's a good average because. like some paychecks are like 19 but then. other paychecks are like 12 and then. some are 15 and then. >> 12,000? Like 1,200. But I don't really I haven't seen a. $2,000 paycheck. I Well, I've seen a. couple. On the height, what do you see on the. high end? Yeah, like 19. I've seen a. couple $2,000. >> end? For right now. For right now. >> Dallas ain't cheap. >> Yeah, but I'm doing I mean I'm doing. good. It would be well and 22.

I mean for 22 it might be okay but. listen, if that's on the high end I'm a. little concerned if we're not getting in. a degree in something you know, which we. might be doing at 22. Oh, no. Okay. >> No, I'm not doing a degree. But I have I. have a license in animal grooming. >> Well, yeah, so that's what you're doing. and so that's where my concern stems. from is like for Dallas you're not. making a ton of money and this is kind. of like where you're going to be. Forever. Yeah, I love Texas. >> Forever? That's not what I meant. I.

meant income. Oh, no no no no no. No no. no. This is temporary income. Why is. this temporary? I had to build my own. clientele when it came like when I got. there. So like I started from zero. So. my paycheck You don't get assigned. random people? >> What do you mean? Do you get assigned. random people as a groomer? What does. that mean? Like people call and book an. appointment. I'm like a hairdresser but. for dogs. >> So they have to specifically pick you. Well, yeah. >> Well, well obviously. >> I don't know who I just want a grooming. you don't get like assigned. >> I'm the only groomer there. Oh. Yeah,

I'm the only groomer there. Not enough. people have been calling. So right now. I'm at like three dogs a day. consistently. >> are you working there? Because it's a. really good opportunity for me. So. >> Is it? People aren't calling. Well, no. people are calling. >> You just said people aren't calling. >> Well, let me get there. I was going to. say it. So when I first started I was. bringing home like $500 a paycheck. Like. the paychecks were really low because. this place had just opened. They had a. really terrible groomer. So they had. like not that many grooming clients. coming in. So when I came in.

>> So you're turning around the business. for $2,000 on the high end? Actually, you haven't hit that too. >> But it's it's it's like a Think of the. business part. You're a business like. runner, right? >> Yeah, so like when you first open a. business. >> and not making much and also it's not. your business. I know but it's temporary. because it's going to get me What's it. going to get you? It's going to it's. just kind of like you know, holding me. over until I'm making more money. So is. this plan of making more money what you. plan to do to apparently get your ex.

back because that's what I see you're. trying to do is you're literally just. trying to get your together to win. your ex back. I don't know if literally. never [laughter] making a two on your. paycheck is going to do that. I'm. telling you it's getting bigger. The. paychecks have like some are lower and. some are higher. >> it out you can't tell me it's getting. bigger cuz you can't track a. average. But I can because my first. couple. >> me what the average is cuz that's what I. asked Like 15. 5 minutes ago. >> Like 1,500. >> an actual answer. That's what I.

That's what I asked. Well, yeah but it's. Come on, that's what I asked. What was. it? 3, 4, 5 minutes ago? But it's just. been changing constantly. So I feel like. I can't really give an average. >> Okay. Right? I mean I don't know. >> I I literally need a. real number for me to make the rest of. this conversation in the math at the end. of it when I MAKE THE BUDGET. >> LET'S LET'S GO with 15. Let's go with 15. cuz that's 3,000 a month, right? Yeah.

But I think I need more than that for my. month like for my. >> Yeah, probably. >> I make more than 3,000, obviously. But. that's an average. That's why I'm saying. like we can't really. >> [laughter]. >> It makes sense in my head. It It makes. sense. >> Oh, it makes sense in your head. That's. good. >> Yeah, and the numbers. >> translate what the is in your head. to words so I can understand it in my. head? Well, okay. So like let's say if. I'm only bringing in 1,200 on the first. paycheck then I just know that I need to.

like post a video or something and get. more people to call. >> Well, yeah because I do social media. >> people view these videos? >> [laughter]. >> Like 30, probably. >> So how are they getting more calls? >> I post them it like I post them. obviously public so people go out and I. post them on Instagram, TikTok, and. You're not posting them private? That's. good. >> Well, yeah. Well, yeah, obviously. But like I'll. post them and then when I'm posting. videos consistently I get more calls cuz. people are like, "Oh, I saw your killer. video on Instagram. Like can you do that.

haircut to my dog?" I'm like, "Absolutely. Come on in.". >> are you not doing that only when you're. Well, no I am. Instead of only when. you're like a and you make a couple. extra dollars. No no no no no. I am. doing that. I was just I was just saying. that as an example. I was just saying. that as an example. I was just saying. that as an example. You're just saying. it. How about didn't you just tell me. the reality instead of just. saying it? >> But that is the reality. Like if my. paycheck is low then your paycheck. >> is low then your paycheck is low because. you're not posting enough. So post more. Well, yeah. I mean I post almost every. day. But Then then then then then that. logic doesn't make sense. You said if.

the paycheck is low then you end up. posting more. So why not post more at all times so the. paycheck is never low if that is. directly correlated of which I am kind. of convinced it is not. Sometimes I get. busy. And again, this is supposed to. apparently win your ex back. >> No. No, I was just kind of hoping you. would be like, "Hey, you should totally. take her back. She's a great person." My. finances really aren't terrible. I think. they're not. >> Girl, you're on financial audit. That's. literally impossible. Just a fair. warning that is a literally impossible. It You do not get to this table of the.

however many apply a day, way too many. I know and they called me the day after. I applied. I Yeah, it's because it's. it's it's it's it's it's it's it's it's. it's it's. >> And we pick the ones that look like. You are that. So in fact, if you had me. call him right now. I would say one, she's. two. her finances were bad enough to be on. financial audit. What what what what. even still if I'm calling him and being.

like, "Oh, her finances are good. Take. her back." Is that what is going to make. him come back? Your finances being good? I don't know. I don't know. I don't really know. >> What are you. >> [laughter]. >> trying to do? I'm trying to get him. back. How am I helping with this? Look. into the camera and be like No. >> "Take her back.". You have given me no reason to do so. >> I'm like fun though. Like I'm What about. your finances? They're They're pretty. good. They're all right. >> not, lady. But I'm young. I'm young and.

I'm my my friends are like. Is it all the time? I don't have a lot. of paperwork stuff. >> rest of the onto documents, onto. credit cards, onto It doesn't. matter when it's It doesn't matter when. it's basically maxed out. It literally. doesn't matter. At 22 you're just lucky. enough to not have accumulated more. openings of credit cards because given. your behavior and where you're at. financially right now, you'd be in. double or triple or quadruple the debt. you're in. Yeah. So 22 no, you're not.

good for your age. People might have at. your age or lots of student loans, maybe. a car loan. Doesn't mean maxed out. credit card. Doesn't mean finances. around the board and deferring extra. things onto credit cards and other loans. and other debts for the sake of us being. able to pay rent. That doesn't mean. you're able to pay rent when you brag. and say you're able to pay rent. You're. deferring other onto debts. You're. still not able to afford life when debts. are going up because you're deferring. onto them in order to pay that. rent.

>> But I am though. What do you am though? >> Like my bills are. Hey, like What do you am though? My. bills are paid. Your bills are paid. You're putting more on your credit card. than you're putting towards it. You're. This is a stupid. You don't know what. you're talking about. You cannot sit. here and actually say that. And in no. way would I ever advocate for him to get. back to you if this is the kind of. he was dealing with to have left you in. the first place. >> No, I left him in the first place. Then. why would he not get back with you? Well, he did get back with me and we. gave it a try like a couple weeks ago. and then. >> couple weeks ago? That's In high school? [laughter].

But then we went But then we went no. contact again and like a week or so ago. because. >> one week of contact, one week of none. Well, like 2 weeks of contact and one. week of none. >> [laughter]. >> What? Why are you looking at me like. that? Cuz you're. Am I delusional? You're not smart. You're not. very bright. >> I'm smart about something. But I don't. haven't seen that yet. You're bubbly or.

that's it. You're bubbly. Which is fun. Um. I Okay. >> I'm pretty What are we trying to do. here? I'll get I'll I'll at the end I'll I'll. give him a call and I'll let him know. what I think if that's I can give him a. call anymore. >> I don't care. What are we doing? Um. Honestly, I don't know. I wasn't really. kind of expecting to do anything about. my finances and. Well, because I'm not really that bad. Like I was just kind of thinking like.

>> financial audit. You didn't expect to do. anything regarding finances. No, that's. not the point. Oh, you. What do you want to do financially? What. do you want things to look like? What am. I here to work on with you and your. finances, Um. >> [laughter]. >> Um I don't know. I guess to pay. everything off and like make my finances. better. I mean Right? >> Why aren't you doing that yourself in.

the first place? >> Oh, well, because like I said, like my. bills are getting paid and like even. with all my spending like it's. >> a repeat, copy and paste. Of what? Of. myself? Like I'm. Yes. >> No, I'm not. No, well, because you're. not getting it though is the thing. Like. I The numbers always number. Even when I. did the budget. >> always number? >> Yeah, because my my my rent's always. paid. >> I I I would I I I'd love for her to draw. this out for me. >> Yeah, please. I got this. My rent's. always paid and my electric is always. paid. >> You're going to do it like.

in a drawing, okay? And then I like so. >> Girl, in a drawing, you Oh my. gosh. >> Okay, okay. What do you want me to draw? >> What you've been trying to apparently. say for the last few minutes. >> Okay. Um Help me visualize it. I'm a. visual learner. Okay. Um. I don't know how you want me to do this. Oh my You were excited about it because. I thought you were going to be able to. do it because I thought maybe No, I was. not excited about this. What? Did you. not see your reaction? You piece of woman.

>> I was like. No. What do Explain to me what the. you're saying. Well, I don't Um Well, like okay, so I get. money, right? I get a paycheck, right? And then like I. >> a paycheck. Okay, that's a paycheck, right? >> Okay, that Okay, gotcha. I'm following. along. >> say like. I take I Well, I don't really know what. to say here. I don't know what to do. right now. I get a paycheck and then.

like let's say this is my first paycheck. of the month, right? So, I'll take like. half of my bills and then until my next. paycheck, I'll just kind of Hey. Visualize it, please, because you're. literally just saying. >> Let's say half of my bills is like I. don't really Why I mean I know what it. is, but Oh my. >> [laughter]. >> god. You can't. You can't be real. This world, ladies. and gentlemen, these are the people you. work with, you live next to, you. sit next to on the bus or in class or.

grew up with. Ladies and gentlemen I. have a nice car. More data is um. continue. >> [laughter]. >> How would you actually put it on the. white. >> Okay, so I get I get a paycheck, right? So, let's say half of my bills is like. $750. >> Is it? Is it? You're Then no, don't give. me an example that's not real. Well, well, because. >> Don't give me an example that's not. real. Give me the reality. You're trying. to tell me how this works. You said I. PAY MY BILLS. MY FINANCES AREN'T THAT. BECAUSE SO, I WOULD HAVE TO BUT FOR MY.

BRAIN LIKE to be able to actually. >> Your brain? Your brain? Your brain. I'm just telling you to. explain literally what happens your. brain. I don't care about your brain. >> I'm trying to do that. I'm trying to do. that. I don't I don't I don't I don't I. don't I don't I don't I don't I don't I. don't I don't I don't I don't I don't I. don't I don't I don't I don't I don't I. don't I don't I don't I don't I don't. >> I want to actually see if you're able to. if you're able to actually speak on this. actually. >> let me let me start over. Okay, so let's. say when I when I talked with Lindsey, I. pulled up the example of I had a.

paycheck Well, I had a budget that I did. for like 2000. >> a budget. >> Yeah, in my notebook. Like when I got. >> And like something I think it was like. 2040. something dollars. So, let's say 2040. >> month of the paycheck? Well, the. paycheck hit and so that was what was in. my savings account. >> You budgeted based on the exact amount. that hit, not like a Oh, Well, because the exact amount that hit is. like even. >> should be consistent and you might just. have extra money or tight money and we.

decide with that Yes. Then how are you. budgeting based on this paycheck? >> Because the paycheck is different every. time. So, Then what the did I just. say? I just said that. I just said that. But your budget should be consistent. based on your. >> It is. The numbers are always the same. I take I pay my like Then why does it. matter? Why do you have to budget off of. 2040 instead. >> a different number that I'm budgeting. from every month. Because the numbers. different every month. Oh, no, but I. just said but your expenditures should. be the same. So, that does not matter.

That doesn't matter. You're not. budgeting from that. Your expenditure. isn't changing. What is an expenditure? Woah. Like how much I spend a month? My. Oh, ladies and gentlemen, this is going. to be a difficult one. What? What? Is. that how much I spend a month? What's an. expenditure? >> Yes, out out. Let's call out. Yes, spending. Oh, let's say that. Okay. Expenditure. >> Yeah, yeah, yeah, yeah, yeah. Oh, I'm. following. Okay, so yeah, that all.

doesn't change. But the number that I. have to work with money-wise changes. weekly. Okay, continue. Okay, so for example, I. got two. I had $2040 in my savings account, right? So, now. >> Savings? Yeah. Well, because my paycheck goes into my. savings account and then. when I swipe my debit card, it goes it. overdraft protections from my savings to.

my checking. >> [laughter]. >> So, like technically my I'm not laughing. with you. I'm laughing at you. >> [laughter]. >> So, technically my checking is always at. zero. I think it's at zero right now. Well, technically I guess it's. overdrafted all the time. But because. the overdraft protection, it just keeps. it at zero. and just pulls the money from my. savings. So, my savings is Yeah. Yeah, so. My bills get paid from my savings.

I have $500 cash from Christmas that my. grandma gave me and that's that's like. my real savings. So, if like the bills aren't paid as. Okay. >> [laughter]. >> So, if the bills aren't paid, I'll just. like go put a $100 bill in the bank from. my grandma from Christmas and then my. electric is paid. >> [laughter]. >> Okay. The numbers always number at the. end of the month. >> [laughter].

>> I'm telling you my electric's always. paid. The numbers always number. That's I've. I've I've I've heard that. Okay, so. Okay, $2040 is in the savings. >> So, yes. So, like maybe my paycheck wasn't 2040, but Sorry, my feet are over there. Sorry. Um so, like but if I get like a. $1700. paycheck and then like whatever. >> was 2040. Well, I had Oh, sorry. I was just going. off their hands. Okay, so now I'll take. half of all my bills.

>> So, like I I pay. >> all your bills? Well, yeah, because I. get two paychecks a month. So, well, depending on the due date of. the bills because some bills are going. to be due before my next paycheck. So, I. have to put the whole number there. So, okay, let me just keep going. So, I take. a hun- I do $50 a week for groceries. So, I'll take $100 out for groceries, food. Then I do. about $75 in gas every 2 weeks. So, I'll. take that. And then I tithe 10% of my.

paycheck. So, I'll tithe $204. >> Yes, and that's a non-negotiable. I'm. not changing that. Ever. And I even tithed like I got a. return from my car when I crashed my car. and I tithed 10% on that. Huh? Yeah. You. what? Wait, what? I crashed my car in. November. So, when I got the insurance. check for it, I ended up getting a check. for like five or six thousand dollars. and I tithed 10% on it because I was.

really praying that I would only get. enough money to pay my car off and then. I ended up getting like five or six. thousand. >> you can't I'm not saying you can't. It's. like Yeah, fine. Whatever your religious. belief is, that's okay. >> So, Stop for a second. You've been You've. been controlling the air flow of this. conversation. Listen for a moment. Not. Stop writing cuz I don't know what that. is. You just Okay, that's the tiny. thing. >> But the mathematical reality when it. comes to giving any charity or to any. religious organization, if you actually.

get this taken care of and get yourself. on a better financial footing, you will. be able to give a larger number over the. course of your life than if you're. giving just a little bit right now. That. is a reality that happens at every time. for any charitable donations, for any. income situation. Yes. >> I would pause that now temporarily and. give more. Recoup later. Give Give Give. what you lost later. >> Well, no, I'm not See, I'm No, I'm not. doing that. Because here's the thing is. when when I.

>> here for listening or Well, I mean. I'll listen, but like that one I won't. listen about. I Because Well, because. >> But you can still give the same amount. in the end. I mean, actually even more. I mean, yeah, correct. So, it would work. out. It'd be fine. Yeah, but like God. wants us to make sacrifices. So, this is. a sacrifice. >> doing is making a sacrifice now for. >> in your life so that you can give more. to the church later. Mm, no. And for the But you'll be able.

But you'll be giving more, so isn't that. better? Well, yeah, but but I just don't. see it that way. Well, because I. >> Well, I just don't I see I see it as. like Okay, so when I moved So, I moved. to Texas, right? And then I moved while. I was in Texas in September. Okay. That's crazy. >> Well, so here's the thing. It's like a. God thing. So, when I moved, I. >> Moving is a God thing? >> Just listen. So, when I when I moved in. September, my parents came down and for. like a week we were looking for. apartments, right? We couldn't find any.

apartments in my budget cuz I was still. making not as much money as I'm making. right now. So, I was making even less. In Dallas, that's scary. So, anyways, then [laughter]. I. like I prayed really hard and I was. like, "God, like you didn't bring me to. Texas all the way to send me home." Like. I've I found a church that I really. love. Like. I'm not going home. I love it here. You. brought me here for a reason. And so. like I fought with him and I prayed. really hard and then the next day we. accidentally found the apartment that. I'm in right now and like I raised my. budget a little bit and my ended up.

getting the first 2 months free and like. I I lost a ton of money, so my dad had. helped me pay like the deposit, but that. was it. And then like the lady, the. manager, sat with us and we were like, "Hey, but we need keys like tomorrow. morning. We can't do like the week. application and everything." So, like. she sat with us and we got my apartment. that day and everything and so You never. considered. in all in in all of Texas, the rental. market is quite weak and there are a lot. of vacancies and they will do anything.

to fill them currently? Drowning in student loans with massive. interest rates? I see it on the show all. the time. People get a loan to advance. their careers only to be left with. sky-high interest rates and crazy. minimums that leave their paycheck. gutted. Maybe you've already gone to a. normal lender to try to refinance your. private student loans and they looked at. your less-than-perfect credit score and. hung up the phone. Maybe part of you. even thought, "Yeah, that tracks. I. guess I'm stuck." Stop it. You don't. deserve to be buried in a high-interest. loan for the rest of your life because. you hit a rough patch. The banks aren't.

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find the best option for you right now. at pdsdebt.com/hammer. That is pdsdebt.com/hammer. pdsdebt.com/hammer. Have you ever considered that as a. possibility? >> Yeah, correct. And all of those. apartments the week ahead of this one. were trying to do that and I lost a lot. of money. I lost. >> like you were a. >> Yeah, I was. Well, cuz I was in panic. mode because I just had left my. boyfriend and I didn't have somewhere to. live and I don't know anyone here and I. don't So, yeah, I was stupid about it. I.

Yeah. >> That's you being a That's not you. praying, though. No. >> That's you being a Correct. About. me not like about me losing money, that. was me being a. >> And prayer has helped a lot of people in. every religion. It really does. Exactly. It makes people feel good. Like I get. it. >> me out. Yeah. God helped me out. I love it. He helped me find an. apartment. No, you were a. >> Yes. All of this was the actions of your. choices, though. >> Yes. Yes. But so now the action of the. tithing is my thank you for letting me. stay. It's like my thank you to So, you. chose to leave your boyfriend and a. Yes, you can think of it for the rest of.

your life. I love that. So, it's a just. tithing. YEAH. BUT RIGHT NOW, FIX YOUR AND. THEN GIVE MORE AND JUST make up what you. didn't. >> Well, I can fix my stuff with like other. things. Like I can Like I have a sponsor. kid. I mean What? >> That kind of breaks my heart, though. I. can't get rid of him. His name's Joshua. He's in like. I don't know where. But I pay like 40. bucks a month so he can eat. Sometimes he eats better than me. >> Joshua? I gave him like a traditional.

African name. So, what's the baby's. name? Okay. Yeah, it's through World. Vision. Oh, it's just like a big like sponsor. kid. Christian thing. I hope it's legitimate. Look, Joshua. gets to eat and that's all that matters. >> I hope Joshua's real. I think he is. I. have a picture of him on my phone. He's. really cute. >> very difficult to He wrote me a letter. That's also very difficult to do. I. think it's a legit company. They're like. very well known. It's a company? Well, it's like I guess and it's an. organization.

Google it. I'll come right up. >> did. It is a legitimate international. charity, but it's frequently. Oh, shoot. It's frequently what? It is. frequently impersonated by scammers. using fake loan foundation schemes, marketing offers, and phishing websites. to steal money and personal information, of which if anyone I have ever met would. fall for. Okay. So, okay, 10% goes to tithing. Sounds like we're not going to get. anywhere. Therefore, continue. Yeah,

that's a no. Okay, so then tithing. always comes out first. Give the money. back. I'm not against tithing. I'm. against. you being stupid. Continue. Okay. Um so then I pay my dad the some. bills. So, I pay him on the 1st of the. month. So, I You pay your dad some. bills? Yeah. I pay my dad car insurance. and for my phone bill. So, I pay him 225. a month. I Venmo him. So, half of that's one. >> those in your own at that price? Well,

okay, because. >> Helium at $15 a month. You're in Texas. Helium's good. I'm only paying him $25 a. month for my phone and it's for the. actual phone. Oh, for It's not for the. plan, also. >> phone. Continue. I did. Um so, I pay him and. Oh, and my car insurance story is that. Um What? You wanted to No, you told me. 213. You wrote down 113. I said 113 and. then I said I pay him total 225. A. month. Okay. >> yeah. So, the the $200 car insurance is.

because I tried to get car insurance on. my own and they were trying to charge me. like $800 [clears throat] a month. Continue. >> Okay. So then I have like my student. loan, half of one is 50 and then another. half of the other one is 23 and then I. have half of my. >> Okay. Well, I have two different ones. Different accounts or different loans in. the same account? Completely different. loans, but one of the loans, the Mohela. loan, is two loans into one. So, I have.

three loans technically. And then um my. pay like 150-ish. for electric, so. that's 75 half electric. From your. savings you have Continue. >> Well, from the paycheck technically and. then I pay 20 I pay 50 for internet. Okay. Now, I'm confused. So, you're. living on your own now and you spent a. lot of money to make that because you. just chose to leave You guys moved to. Texas together, if I'm not mistaken. Yeah. So, you guys moved to Texas and. you immediately just like, "Nope,

actually I don't like you." No. No. No. No. No. So, Let me go live on my own and. blow a lot of money. >> No. No. We were we were having issues. communicating and agreeing on things. >> That's good. I I would move across the. country for someone that I'm doing that. with. No, we it wasn't like that until. we moved. Like things just got more. difficult when we moved. >> Why did it worse? Well, because when So, when we had moved in, it was it was my. ex's first time ever leaving his ho-. home like with his parents. He never. even like. >> And you're going to move across the. country with that? Well, I was going to.

marry that. I still. want to one day. Oh, okay. Bro, you guys You cut it like a week. ago. Here's the thing. No, we're just. trying to do it right so we don't. actually fail this time. >> you showed me? No. So, have eyes for two. men? No. I That's very Christian of you. >> No. I was I was. >> No. She was showing me a pictures of a. very handsome cowboy. >> But I That she wants the. Oh my gosh.

No. No. I wanted so I introduced myself to. him a while ago. >> Christian girls are the craziest. Well, I used to be but not anymore. What was. happens? >> It's my purity ring. Ugh. Is it ugh? Yeah. >> No. It's cute. Girl, just have fun. Okay. >> I had a lot of fun. So I'm okay. Uh-huh. Okay. >> Oh. Oh. Oh. Oh. So the ex. So. >> broke up with him? So well so here's the.

thing is when I had moved out we were. having issues communicating and I. thought it like I moved out still. wanting to marry him and it was like. right before we were supposed to get. engaged. So here's the thing is I. >> And he had never lived anywhere besides. his parents and you were about to get. engaged to this man. Yeah. How long were. you guys together? Like a year. We were. going to get engaged. >> you getting railed endlessly then? What? When were you getting railed endlessly. then? Because you just said you had a. hoe phase. Like how's that even possible. if you were with him since 20? When were. you just When what was your hoe phase? Like two months?

>> said it was a hoe phase. I just said I. had fun. Like I was a party girl in. college. I partied a lot. I drank Well, you got with him at like 20. Well, I got. >> When were you having fun? 18 to 20? Yeah. >> That was fun? Two years of your life? Okay. >> Yeah. I went to Chicago a lot. I did a. lot of clubbing. But it was like a lot. So it was like Thursday through Sunday. type of. >> to get with this guy because the day. after you left he brought another girl. into your guys's apartment. At the end. of the day I moved out because I wanted. to marry him still and I thought this. phase was going to be good for us to be.

able to grow as human beings and like. him to mature a little bit and like. Yeah. He brought some titties back to. the place. >> Yeah. I know. I mean they at least they. weren't cute ones. Maybe. I don't know. You're saying that. >> No. She was chopped. >> Jealous ex. >> I'm not jealous. It's a fact. It's a fact. Show me a picture. I'm. blocked but we can find her. He had her. block me. >> her name? Yes. Of course I know her. name. Jealous ex. I was jealous. obviously because here's the thing I. left wanting to marry him and then he.

brought in titties before my was. even out of the apartment. >> Yes. Did they bang? >> Yeah. Obviously they bang. >> You You are and you want to get back. with this? >> Yes because here's the thing all the. reasons why I left him were everything. that he got from her. Basically he got. his own like hand back to him. >> The new girl works for Twin Peaks. Are. they together now? No. They're broken up. now. Uh except you guys just broke up. again a week ago. So maybe she's back in. the picture. Don't say that.

>> Well, I mean let's just be real. I know. how men work. >> Yeah, but I don't want to think about. that. I know how they work too. I mean. he brought a new in before my clothes. were out of the closet. She had a. toothbrush on our count I know. I'm. sorry. I'm trying to watch my mouth. But. she had a toothbrush in our apartment. before my stuff was even out. Exactly. So when I got there and I moved all my. stuff The day after she moved out there. was a toothbrush there? No. >> You bring a toothbrush for fun? Wait. What? >> What? I don't. I know. Wait. Are you trying to say that she was. there first before I left? What are you.

trying to say? Bringing a toothbrush. over for an evening of fun? It No. That's the point. It wasn't just an. evening of fun. It got They got They. were in a relationship like. >> What? The day after you moved out? >> Yes. Like Hold on. I moved my stuff out. of the apartment. >> Wait a minute. >> I was standing in my new apartment. >> the biggest red flag you've ever heard. in your life and you want to get back. with the guy that was likely cheating on. you? Oh. I can't find her now. Oh come on. No. I'm serious. A girl who works it. works at Twin Peaks. Yeah. Well, I know.

how to spell her name and everything. >> who works at Twin Peaks. had already moved in the day after you. moved out. >> Yeah. And do you want to know the crazy. part too? >> No. That is the crazy part. But sure. Well, so like he him and I like we got. into some disagreements about the way. that I used to dress cuz I used to dress. a lot more provocatively before God. >> So Oh my god. Okay. Girl, you're all over the. >> page. >> Who cares how you dress? >> try and find her? Yes. I thought that's. what you were doing. Well, I meant like.

still. I can't find her. So what was the crazy. part? Yes. This is dressing. Well, the. crazy part was that like. >> I want you to dress even more. like Handmaid's Tale so we can cover. that arm hair. >> [snorts]. >> Oh my god. I can't believe you just said. that. I'm Puerto Rican. We're hairy and my. dad's like Greek and German and so I'm. just hairy. Uh-huh. You don't have to judge me.

So anyway. I can't find her. Okay. Oh. That's not fun. Oh. You immediately. went in there and put the girl's. toothbrush in the toilet? Okay. So. >> And then you wrote cheater on the. mirror? Yeah. Yeah. And I took. everything. >> No. I can't. Show me him. This guy you. want to get back with. >> to. Well, I know but I want to see her. I want to see her too. You don't know. her name? I know her name. I'm typing in. her name. >> Okay. Okay. Okay. Okay. Pull him up. Pull him up. Pull him up. Pull him up. >> Okay. That's him. I have a really cute.

picture of him and I together too. We look cute together there. >> you. kidding me? Okay. See but no. No. No. No. Can I show him Can I show a picture? I have a better one. I know. Don't Don't. Those are not cute. You know men can't. post pictures on Instagram. So if. they're like. kind of cute on Instagram then you meet. like you know that they're a little bit. cuter in real life. >> I've Oh wait. I've never tried Facebook. Uh-huh. >> Maybe I'm spelling it wrong. >> ex that writes cheater on the mirror. And he is a cheater. Why do you want to. get back together with a cheater?

We're going to call this guy. >> Because I told you I was like remember. like so I was telling him like I need. you to help me with the laundry. I need. you to help me with the dishes. I need. you to help me pay the bills. So when I. left those were mainly the reasons. Like. we just weren't agreeing on the like. being adults basically. And so when I. left. >> Girl, when you two met he already had a. girlfriend. Yeah. >> to go down this road again? Well, you. can. >> be all religious girl and whatnot. You're trying to go down a world with a. guy that cheated on someone to be with. you who cheated on you to be with.

someone else. And you want to marry this. man? Yeah. Oh my god. Found her. >> are delusional. >> I told you she's chopped. Show me. I. told you she's chopped. Her mom posted. that I think. You know what she means? >> She was a mooch. >> You know what this uh this Christian. Texan means when she says when she's. Yes, you are. You look. >> I'm a Jersey girl. >> You know what this Christian. white girl who lives in Texas means when. she says she's chopped? It means she's.

black. >> No. That's wrong. I knew you were going. to say that. I'm not No. I'm not like. that. I've I've chatted with a lot of. dark colored men. This This is actually. [laughter]. This was actually my first white man. This is my first one. >> Uh no. That's the mom. She's got the the. ex-girlfriend now. She's got messed up. teeth. Yeah. So basically she was a mooch and. she found my ex with a good job and. >> the black woman a mooch. >> She was a mooch. She went in with a job.

that she barely ever like went to. She. would sleep all day, wake up and put. makeup on and then get dropped off at. work. She had no car, no driver's. license. She had a shitty job. Like she. just was a mooch. She could have been. white. She could have been brown. She. could have been yellow. I think the guy. just wants a little seasoning, a little. bit of flavor. I think. >> why is he coming crawling back? Is he? >> Well, he was a couple weeks. ago. >> cuz he wanted to Did you guys two. weeks ago? No. No? >> No. You promise me. Yeah. You swear to the. >> [laughter].

>> big up there. Ah. Yeah. You do? You swear? Well, no. I don't. swear. I Well, I just don't swear on the big. guy in general. But. >> Well, if it was true Yeah. You guys. didn't No glucky glucky? No touchy. touchy? Well, I mean a little but no. glucky glucky. >> what he wanted. That's what he came back. for. And then he left a week later, right? >> Well no. Well, yeah but no. But But But. I mean But so the thing is is when when.

he was like I think we should go no. contact it was because we were starting. to see the same patterns in our. communication happening again. In two. weeks? The pattern in that communication is he. wanted to go another woman. For six. months. They were together for like six. months. That's a lot for him. Yeah. I. know. He starts cheating. He's just here. You You want to get back with this. The guy you showed me before is so much. more handsome. Yeah. But he wasn't. interested in me at all. >> filming. >> interested in me at all. WELL, NO.

OH. YEAH. IF A GUY DOESN'T LIKE YOU I. DON'T GIVE a That's not That's not. a traditional crying thing on this show. you. you. Oh shut up. OH IF A. GUY YOU HAVE A CRUSH on in. >> [laughter]. >> church DOESN'T LIKE YOU. THAT'S NOT WHAT. I'M CRYING ABOUT. I'm crying about my. ex. Your ex that cheated on you who. cheated on you with another GIRL TO BE. WITH. YOU. I KNOW. BUT I think like it needed. to happen because. >> you are broken. No. I'm not. I may be a little bit delusional but I. think like. >> bit? Show me a picture of the new guy. I.

don't have a new guy. >> You just showed me. No. >> you're into. The one from church? No. I'm I've given up on that a while. ago. I literally put myself out there. like What do you mean? How did you put. yourself out there? Okay. So we had met. like once or twice and so I had followed. him on Instagram and he was private with. like 200 and something thousand. followers. He never accepted me. So I. removed it. Then my friend like a couple. weeks later cuz we were still like. seeing each other at church. My friend.

at church was like I'm friends with him. Let's go introduce you. Um he's single. whatever. So they went and introduced me. and. then like a little while after that I. was just going to kind of play it by ear. and like not be too pushy about it. >> his phone number? No. And he You're not. in his Instagram. No, because he. >> point of contact. >> No. I mean, I could DM him on Tik Tok, I. think, because he's not private on Tik. Tok. He will not see that. >> Yeah, well, exactly. So, I can't even.

like slide into his DMs. And like this. was a while ago, and I tried to. introduce myself, and then we tested it. out. >> Brandon? He's looking for a nice. Christian girl. Yeah, she is. It's cuz you guys are the. most like. >> [laughter]. >> And you're good-looking, and his home is. Dallas. Ish. >> Really? Ish. >> Oh, but how does he work here then? Well, no, his home Oh, here. This is me. and my ex together. We're cute together. >> Sure, whatever. Go look up the new guy.

I don't care. Um. So, this new guy So, anyways, then we. tested it out to see if like maybe he. just like wasn't seeing it. That's his. page. >> [snorts]. >> And then, so I was in Jersey, and my. family friend. >> She said he had 250,000 followers. And. does he not have 200 and something. thousand? He has 10,000 followers. >> Oh, on Tik Tok he has 200 and something. thousand. Oh, my gosh. Oh, sorry. So, the thing with that is that I tested. it out with my friend back home. Oh, sorry, bleep that. Um but.

>> Brandon said he's down and that you're. kind of seems like you'd be fun at a Six. Flags day. Oh, I love I love roller coasters. >> This is great. Okay. >> [laughter]. >> Listen. Okay, so. >> Oh, wait. Wait. Wait. Let me Wait, let. me finish really quick the story about. him. So, we tested it out. So, this is. how I know he really is not into me at. all. >> Oh. My friend, who is married with kids, but she's a beautiful like bombshell. blonde with fake boobs and fake lips and. everything. >> I hate that I mean, she rocks it. She's gorgeous. >> No. I mean, I don't prefer it for myself.

either, but still anyways, so she. followed him on requested to follow him. He immediately accepted it and then. followed her back and then was viewing. her stories. So, then I followed him. immediately after. Again, 24 hours went. by and I wasn't accepted. >> my gosh, it's women games. Okay. So, I. removed it again. >> like you, he ain't sticking it in and. giving you babies. Rip. Keep going back to the cheater. You. think that's the only alternative? Shut. the up. >> think it's the only way. >> no sense. I don't under You abandoning what which. fairly.

>> I didn't I didn't. >> Well, you left a relationship and you. didn't know he was cheating until you. left. >> Yeah, cuz my friend He is cheating. He. is upstairs. He is cheating. >> But technically, no. No. Jesus. >> No. Patricia. in the other room. Oh. Okay. Yeah. She's. upstairs? Did I say upstairs? I meant. she's over there. >> upstairs. >> Oh, well, oh, oh, this is why I said. upstairs. She lives. right on top of my ex. >> the big G. Well, no. He He's upstairs. Well, yeah, he is upstairs. But, she's.

literally upstairs. So, the apartment. that my ex and I moved into, he's still. there. I know her from her moving in. with her ex a couple weeks after her him. and I moved in. So, we were upstairs. downstairs neighbors. >> Because she's the one that told me he. was cheating. And she's the one that called me and was. like, "The day that I got the keys to my. new apartment," she called me and was. like, "Oh, hey, um I just want to let. you know that he. >> Just just brought a new girl home. >> How your budget makes no sense to me. I. need to get back to that. Okay, so The.

Oh, there's more? No, I'm Well, I have. more bills, obviously. >> Okay, you have more bills, but this. doesn't understand. This number. shouldn't. matter. Why? It's how much money I have. to spend. >> this. That's already a bad way to look at it. Your bills do not change. Your bills in. 50 30 20 or whatever it is you're doing. at the time should only BE BASED OFF of. >> [sighs].

>> your lowest check relatively, but here, tell me that not even your check. monthly, by the way, not even. paycheck paycheck to paycheck, but. um okay, either way, since you do this, you should be able to tell me how much. you spent last month. Tell me what your. outflow was next last month. I have no. idea. [laughter]. But, you write it down, and you like. have 4 30 whiteboards in your kitchen, I. heard, of writing down your bills and. stuff. So, tell me, what did you spend? >> [laughter]. >> Um I'm going to say probably like. um like if I um uh.

I really have no idea. May Okay, let's. say. >> have no idea. Yeah, let's say like. 4,000. [clears throat] Okay, $5,149. when payroll was $3,197. I pay my bills. My bills are paid. But, that's the thing, right? Where did the. 2,000. come from? >> Debt. Debt. Debt. Debt. >> But, I don't know. It doesn't matter if you don't have. much. If it still goes on there, it goes.

on there. You dumb tit. The balance went. up on the credit card, you dumb tit. Okay? You suck with money. So, you download a. budgeting app. You start with the. classic one, YNAB, but everyone just. deletes it because it's way too. complicated to use. So, you go to. EveryDollar. That's Dave Ramsey, the. personal finance guy, right? Well, they're going to force you to use it his. way. That's not [music] really personal. finances. Rocket Money, that you got a. lot of commercials, but they're owned by. Rocket Mortgage. Guess what they want. [music] to sell you in the end. And.

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zero. >> you can't tit. I get it. I'm not going. to tell people to not do what their. religion and what they need to do in. their religion. I am not against that. DO IT. PAUSE. RECOUP it later. Fix your. so you're not endlessly going into. debt. If you were asking the big dog, if. you went and asked the pastor and like, "I'm going into debt because I I can't. afford this 10% right now. What what. what do you advise?" I think they would. say, "Figure out your debt situation. Make it up later.". >> and I DIDN'T SAY. DUMB ASS.

I HATE that word. You don't like the. word? Oh my god, no, it makes my skin. crawl. >> give a. Call your ex. Okay. Well, so he works at. So, he works at Can you bleep this? Can. he works at. So, can I just text him and be like, "Can you call us when you get a chance?". Oh, Really? FaceTime or No, I was lying. Yes, call him. Okay, he might not. answer. >> Just call him. >> Okay. Okay. Okay. Huh. One.

Oh, [groaning]. Caleb. Hello. Here's the thing. Oh, boy. Why. the. did you cheat on my. >> the. cheat on my precious Delilah over here. I didn't cheat on her. If the. day she moved out, there is a toothbrush. and another woman living there, no way.

you were not in active communication. That is impossible. She wasn't No, no, she wasn't living there until like a. month and a half. >> And I But, you were already. before your clothes. >> All my stuff Her Her clothes were out. Oh my god. But, THEY TOLD ME WE WEREN'T. TOGETHER. I'm trying to stand up for. you, but it Caleb. All right. Why is. this even being spoken about? Because. Because pause, she wants to get with. you. And I'm like, "Why the is she. trying to get with someone who cheated. on someone to be with her?". >> cheat on her. That's That's what you're. not understanding. It's a very complex.

situation. I understand input, but. >> Okay, well, make the complex situation. less complex. That's That's not something I'm going to. put on the internet. [clears throat] Oh, great. What a defense. You also cheated. on the girl previous of her to be with. her. Oh my lord. He's never going to take me back now. So, where where is this conversation. going? She wants to get back with you. I'm asking why the she even wants. that in the first place. But, here's the.

thing. If you guys were together a. couple weeks ago, we'll bleep your name, by the way. If you're If you guys were. together a couple weeks ago, and then. you would stopped being together, why. the are we playing this game We. weren't together. >> Zitulan. You were together for 2 weeks. for a second, and then you broke up. immediately. >> to try and like get ourselves on track. Well, yeah, cuz we weren't I got a. second job. Like, I'm just trying to. focus on myself. We were getting into. arguments. So, it was it was a. distraction, honestly. And she knows. that. I know that. >> What are the arguments about? Kind of uh. accountability and.

um I don't know. Just boundaries that. are that were set and spoken about that. aren't respected. [clears throat] And I. don't know, when things are brought up, it's not always. it's not always handled the best. And I. I take I take accountability on raising. my voice and whatnot, but if you're a. partner, you should at least be able to. speak honestly. That's That's how I. think. And what is this thing with. trying to make her wear more clothes? >> Oh my gosh. No, we just We debated about. like corsets and some [laughter] things. Sorry.

I told them about your. >> the up. >> [laughter]. >> Oh. >> All right, so I'm I'm sure you have your. own. stance on morality. and clothing and women's clothing in. today's day and age. So, I'm sure I don't really need to go. into too much detail. If um Well, how much does she have to. wear to be with you? I don't know. Something.

Something our our grandmother and mother. wouldn't frown down upon. I just think. it's [clears throat] a respect thing. >> do you mean? Like I don't Well, she's saying no. There's some outfits that my mom and dad. think are really cute that he. >> What about at the beach? What do you. What do you allow at the beach? Well, cool. I don't give a damn about. the beach. That's a different story. It's. >> Well, that's the most revealing. He does. though. So, I used to wear like in. college I used to wear like thong. bikinis. Now I wear a bikini that has. shorts. Oh, so you make her wear the. shorts at the beach? >> didn't necessarily make me.

Okay, that's the thing. Yeah, like we. just thought about it. >> But at the end of the day, do you think. you're going to get back together with. her? What kind of question is that? Do you. want to get back together with her? Sounds like the answer is. >> is no. Okay. Well, listen, you guys have. some big disagreements. Um. I mean, what do you. World view. Like she doesn't hate gay. people and you hate gay people. Uh I wouldn't say I hate gay people. I. hate when it's.

uh. pushed towards me. This is crazy. I'm. being outed as a homophobe. and a quote-unquote cheater. But the girl you uh. didn't. cheat on her with was bi. Yeah, [snorts] what does that have to do. with that? I just told you I don't hate. gay people. Well, she said that you don't really like gay. people, so. I mean, like I just said if they're gay. towards me, it's a little uncomfortable and.

I try to make it clear that I'm not and. oftentimes it's still pushed on me. Like. I got a DM the other day. Some guy was like, "Hey, you like. >> [laughter]. >> What you doing with the. guy? I'm like, "Dude, nothing bro. Like. I'm not I'm not really into that." He's. like, "Yeah, you are. You're just. confused." So, like yeah, that type of. I don't I don't enjoy. It makes me. uncomfortable. Sounds like a closet. bottom to me. Okay, so. you haven't decided whether or not you. want to get back with her?

What? You haven't decided whether or not. you'd want to get back with her? It's never evolved anything. It's not. that simple. Well, because we have to. like make I'm asking her. Like we at some point we lived together. and you know, we took steps away from. that. So, obviously it's just going to. take time. Like. we came from a totally different state. together, so. Yeah, but you guys. literally were supposed to get engaged 2. days before you broke up. So, like we. were almost there. Oh, I'm I'm well. aware. Okay. You have a reason this.

didn't happen, right? I do have a bad. news if you guys ever do get back. together. I didn't I didn't hear you. I do have. some bad news if you ever consider. getting back together. Um And. that is what? She's pretty much the most. person I've ever talked to. That's so. >> [laughter]. >> mean. But he likes me because I'm. HE JUST HUNG UP ON ME. HE DIDN'T EVEN. say bye. I just wanted to leave him with that. What do you think? Am I stupid? >> Yes, he's a cheater. Allegedly. But technically we weren't.

together. He was another till. mommy moved out. What the you. talking about? What do you think your. financial score is zero to 10? Zero. being the absolute worst, 10 being the. absolute best. I think I'm like a four. or five. You are so. Did you just heard how much money I told. you you spent? >> Yeah, but I only have one credit card. Ah, you. You make no sense, man. You make no. sense. It could also be overdrafts. It. could also be extra stuff. Oh, it makes. sense to you. That's good. That's. wonderful. Miscellaneous loans. was $1,175.

or $1,157. Miscellaneous In a month? Going out to eat was like 400 bucks. Unknown shopping 600 bucks. Other large. purchases $842. You're spending so much. money. YOU'RE SPENDING SO MUCH MONEY. THAT YOU DON'T HAVE. WHAT'S YOUR RENT? Uh 1350. It's like. half your income on a normal. month. >> really cute place. >> Huh? It's a really cute apartment. >> That's That's literally no one brought. up that argument. I don't give a. I don't give a. No one gives a But it makes me.

happy. >> gives a. It is half your income when YOUR INCOME. IS. AND YOU CAN'T manage your to save. your money. >> But it's going. Maybe. >> You can't try You can't You can't tell. me the average You can be rich. Ah, rich. dog groomer. We've all heard of them. >> Yeah, it's called opening a business. >> Oh, you're going to open a business? >> that. >> You're going to open a business? >> that. >> Been there, done that. How'd that go? How'd that go, successful business lady? >> Successful. I was on track in 2 years to. make $100,000 A YEAR. >> TODAY? I DON'T GIVE A I WAS ON TRACK, NEVER got there. But guys, at least I.

was on track. I opened that business. >> Tell me about that business then. >> It's a mobile dog grooming business. >> And how'd that go that you're on track? >> It went great. I opened it in. >> Which is why you are only ever on track. and never got there. I shut it. Okay, I was making $80,000 a year. I was. on track to make more than that when I. shut it down IN 2025. >> WHY? I SHUT it down TO MOVE HERE. WHAT? Because I was going to have no source of. income at the beginning if I REOPENED. THE BUSINESS. >> TO TEXAS.

>> FROM JERSEY? >> YES. Why'd you move? >> Because I hate New Jersey. >> Why? Because it's just gross there. But. you were making money. I don't care. I. didn't want to build my future there. I. didn't want to build my life there. And. the business was making money. >> need to do this job where you. make no money instead of replicating THE. SUCCESS YOU HAD? >> [screaming]. >> BECAUSE TO REOPEN MY BUSINESS, TO BE. ABLE to do that, I need to take out an. $80,000 small business loan. To be able. to pay for the $80,000 small BUSINESS. LOAN, I HAVE TO BE MAKING. >> HAD THIS TAKE it down here. Because I couldn't. I had a trailer. My.

dad drove the trailer for me. I GET A. SECOND TRAILER. I couldn't. It was like. a $20,000 TRAILER. PAUSE. PAUSE. PAUSE. PAUSE. PAUSE. PAUSE. PAUSE. IF YOU WERE. MAKING $80,000 a year, I think you could. handle the investment of hiring someone. to drive it down here. Well, Well, yeah, but not while I'm I wouldn't have been. able to afford the driver while I'm. working here. Once I got here, What? If. you were making $80,000 up there, how. could you not afford it? That doesn't. make sense. Because the income was going.

to stop when I moved. >> That doesn't make sense. YOU WERE. ALREADY MAKING $80,000. YOU HAD TO have. had some money unless you were blowing. it all again. I HAVE MONEY SAVED. BUT [screaming] THAT'S NOT THE down. payment. That's for the down payment. >> need to borrow if you blew it all down. >> Because I couldn't though. That doesn't. make sense. It makes sense. You're just. yelling. >> No, it doesn't. It doesn't make sense. Make it make sense. Okay, so I had this. business, right? It was a trailer. My. dad was driving it. I couldn't drive the. trailer. So, to move down here, I had to. sell the trailer to like, [laughter] you.

know, obviously cuz I couldn't take it. with me. >> No, see the part that immediately. doesn't make sense with there is you. were making $80,000, so how did you not. have enough money to move down here? >> No, I did. I had enough money to move. down here. Ah, but you had to sell the. trailer. Because I couldn't take it down. here. So, there was no point in keeping. it here. >> Yeah, but even once I got it here, it. would never leave the driveway because I. can't drive it. >> Wrong. What? >> I'm not doing that. No, it just It was. better for me to get a temporary job. that I can get the income to be able to. make. >> you going to do with the $80,000 loan?

I'm going to buy a van. I'm going to buy. a grooming van. Convert it to the van. Move all your equipment into a van. >> to move it into a van. >> All that equipment? So, you already have. the equipment. >> They They need to buy the van. They need. I don't have any equipment. I HAVE. I HAVE MY TOOLS. LISTEN. LISTEN. I have. to buy the van. It's a Ram Sprinter. Sprinter van, whatever, right? They go. for like 20,000 one, like a cheap crummy. one, right? So, I'm going to get the. van. Then I'm going to send it to a. company in New Jersey and they're going. to convert it. But they have to put a. battery system in the back.

>> Jersey? Yeah, because I found a family. company that's giving me a really good. deal and they do beautiful conversions. None of them are in Texas. There's. grooming vans everywhere, girl. >> but like they're giving me a good price. and I'm working on a budget. It's like. moving a the country is like $2,000. >> No, I'm going to drive it. >> Oh, I don't trust you. >> here to Texas. >> Yeah, you're lucky you made it. >> here to from Jer- from here Jersey to. Texas. >> Well, I mean, that's you. You're not. going to be in the van. You driving long. distance? I drove all the way to Austin,

too. >> And you beat the odds. I'm a good. driver. Just because I don't have a car that. drives itself doesn't mean I'm not a. good driver. >> That has nothing to do with it. I'm not. >> [laughter]. >> See how excited you got about Six Flags? Yeah, cuz I HAVEN'T BEEN I HAVEN'T BEEN. TO SIX FLAGS. since they took me to Six Flags. >> [gasps]. >> Oh my god. >> Cancel me for that, >> So embarrassed.

>> [laughter]. >> Babe, I'll let you do anything to me if. you take me on the Loco Tour. Not. anything. Says every Christian girl who. then takes it up the literal ass that. evening. Do you know this song Jesus. loves anal? >> [laughter]. >> No. It's like it goes like. >> [laughter]. >> I don't even know how it goes bro, but. it's like me in the ass cuz I love. Jesus. It's so terrible. You've never heard that?

>> Keep tithing. That'll save you. >> [laughter]. [sighs and gasps]. >> I'm working on it. God doesn't want you. to clean yourself up before you get to. him. He helps you clean yourself up. So, I'm working on things. That's a. cope. Listen, if you want your hammer. financial score, get it for free. CalebHammer.com. Take the test. It just. takes a few minutes. See where you stand. in the world of money, where you're. doing great, where you're doing poorly, what you need to do to improve. If you. don't want to be like a guest who ends. up on the show, so you're not doing this. cuz this is a.

disaster. >> But it works. >> Make sure you know it literally doesn't. You spent way more than you made. Download the Dollar Wise Budget app. It'll automate everything for you, give. you incredible insights into what. exactly is going on and what you need to. fix. It is awesome. Take the free trial. dollarwise.com or just in the app store. of your choice. Check out the free trial. Most people. take the annual version cuz it saves. almost 50%. And when you do the annual. version, just like I signed this one, you will get my 30-day budget meal plan. It is an absolutely extensive, detailed.

meal plan for every single day with. drinks and snacks, desserts, everything. included. It is awesome. This is yours. to take home. You have no excuses to not. meal plan, meal prep on a budget. This. is it. No excuses. And you can use HEB. for it, which is what we base it on. >> I've never been there before. You are. What? Oh, do you want that? I'm not I don't think I'm that stupid. You're how you just I don't hang on. that's stupid. Like if you just sound. like that, So I sound stupid? Oh my god.

>> Yes. Yes. Yes, you do. In fact, I would say I. would suggest yes. Maybe that's just. your opinion. That's cool. And I stand. on it. Quicksilver. Yeah. My only credit card. See, just even how. you said yeah. >> [laughter]. >> You are. And I love you for it. I don't hate you for what it's worth. Sometimes I hate people on the show. I. don't hate you at all. You make me giggle. >> It feels like No, I'm just laughing at.

you. I kind of laugh at myself. sometimes, too. It just. >> the other part of yourself know you are? No, I'm what? Laughing at myself? Oh. Okay, $2,097.31, which has gone up. Oh, yeah. It's way. above that. >> Wait, it's above that? No, I meant it. was up from the previous. Oh. Oh, no. The limit's higher than what you. have on that piece of paper. Cuz that's. that's what it says it's at, right? That. number at the the bottom? Yeah.

Oh, yeah. Oh, yeah. Oh, yeah. Oh, yeah. It's way higher than that. Open up on your phone, please. Texted me dead emojis. Dead face. >> That means you're dead to him. Thanks a lot. You're welcome. We bring. truth to relationship, Christian. That. feels judgmental. Okay, there you go. Being truthful? You. should be. Does my car This is the. credit card. But my car loan is.

UNDERNEATH THAT. IT IS. AND I I JUST. >> SHUT UP. WELL, I JUST. >> SHUT UP. STOP. LET ME LOOK. Can I just look Yeah. before you. talk? Good death. This must feel This. must be what it feels like to be on the. other side of the table from me. It's horrible. Am I being that bad? YES. SHUT UP. $2,664.94.

What's. Blink? My cameras. So I have to pay. $10.99 a month for the membership, so. the videos. >> Oh. >> your videos save where? On the Blink. app. What? What camera? For Blink cameras. I have a front door camera and I have a. camera in my living room. Oh, this is a. security system? I've not heard of this. brand. >> Yeah, it's like a Nest Oh, no, Nest is. temperature. It's like a Ring camera,

but Blink. I think it's just like a Ring. doorbell. Probably. Okay, that's okay. You are. >> Yeah. Well, >> a bad thing. >> No, but yeah. You're not even on auto pay. No. No, but. not really any reason why. I just don't. I don't know. I just didn't do it. But I go in and I pay the minimum every. month. I paid $100 a couple days ago. The minimum right now is probably like. 87 Uh or something like that. >> Okay, I'll do 87. I don't know why the. I'm trusting you for anything. Plus.

Shut up. Plus Peacock TV. Yeah. That's. the only streaming service Well, and. Amazon Prime. >> That's the streaming service you chose. out of all them? >> Yeah, and I knew you were going to hate. on it, but it's good. They have really. good shows on it. >> What? VeggieTales? >> No, like The Burbs. That was a really. good short series. And New Girl and. Office and Parks and Recreation. Those. are all my comfort shows. I turn them on. when I go to sleep at night. Apple. subscription, DoorDash. Yeah. Creature. A Peacock again, what. the Peacock trying.

>> IHOP. Oh, yeah, we went after our church cuz. >> Who? >> My friend from college. She came into. town. Okay. Okay. Good. You keep Look, oh But then. you DoorDash immediately after. I have Same day. >> Oh, yeah. I got Panera that night. [clears throat]. >> spelled very weird, lounge. Very. expensive, 60 bucks. >> We stopped for a couple drinks. >> Stopped for a couple drinks, Christian? Well, I didn't get drunk. >> Drinking is still against the rules.

>> I mean, it depends on Depends on how. much you want to cope. No, well, I get I. guess yeah. It depends on your. interpretation. >> Exactly. And everyone has a convenient. one. Same with the Muslim couple I had. on the show. Trust me. >> That was insane. Yeah, you're that same. version on the other side. Oh. I Well, I mean, okay. I'm just. >> Cowboys Red River. I guess you didn't. find one to bounce on that night. Oh my. god. I've never left there with a man.

Never. Oh, well, I would suggest you. should. Why? They're. >> Stop going back to the cheater. Find. yourself a nice guy. I tried that. I tried the church boy. Oh my goodness, yeah. Lindsay says you go crazy for. Jesus merch. Oh, yeah. Yeah, like my. church if. if they have like I said I told her this. the other day like I don't care what's. in my bank account. If the bills don't. get paid, I'm taking it home. And. they're expensive. Like I have a set. that's like. >> of you here, please.

>> almost 200 bucks. Your favorite streamer. every day on Twitch at 7:00 p.m. Central, Tyler. I just need you to say. it for me. Say what? Oh, okay. What's up? Uh my personal. favorite song. You like the anal song? I. like the My favorite song is the one. that's. Jesus Christ is my. That one. You know that song? I have heard that song, yeah. That one's. great. That's a great song. Okay, thank you, Tyler. I got you. I got. you. Always. Live on Twitch every day. 7:00 p.m.

Real What is it? Real Lindo or what? I am Lindo every day 7:00 p.m. Central. time. You'll love him. That's great. Let's make sure to put his. Twitch in the description for this. episode. Okay. Yes, I like that one. So, yeah. You spent an insane amount of. money on here. This is going to take now. like 18 years to pay off minimum. payments only without doing any. purchases. >> 18? 18? Yes, usually when people like. you get pregnant and marry a military. guy and then get divorced immediately. because he cheated on you. Yeah, but.

that's what people like you do. But you didn't, so And I'm not a baby. mama. Well, I mean, well, >> [laughter]. >> I have no I have not had a baby myself. I have. >> Abortion? Starbucks is bull and a waste. of money and you already know that by. making your coffee at home and invest in. the rest. So now you need to do that. with your energy drink as well. MAKE. GAMERSUPPS AT HOME FOR JUST 40 cents a. serving. And honestly, it literally.

tastes better. And we proved this. accidentally via a blind taste test in. our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is. GamerSupps. Literally, the cherry flavor. is insane. >> Listen, you can also get free samples to. see if you like it or 10% off your order. at gamersupps.gg. or click that link in the description. below. Type in code Caleb. Hammer Elite. is the best YouTube membership on the. platform and I just upgraded it. Three exclusive dedicated 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. join. That's a [music] promise. Woah. No, no, no. No, I did not do that. No, I did not. I've never done that. before. I don't plan on that. I just. like. >> Okay, you're just giving very weird. signals right now. Oh, what do you mean? Well, cuz I don't have like a human kid. What, the baby that I met in the green. room? >> Yeah. I mean, I have her, but Where is. he? Where is he? Is he Is she? She is. very cute. Here, audience. I met her.

Yeah. She's very cute. We do have a. child in the studio today. And she's she's a beautiful girl. baby. mama. And this honestly makes sense cuz. most people that I know that are just. like only reptile owners are the most. people. Like they're actually they got like. brain mush. But They're like look at my. reptile. >> thought I was going to kill it that. night. >> smashing it or something. Oh my god, I. would never do that. I know, my friend. My girl.

My sweet. princess. Her name is Santana. >> Hello, Santana. My sweet girl. Okay, you can hang out. So this will. take 18 years to pay off, which is. And that's if you only do minimum. monthly payments only without any. purchases, which you are incapable of. cuz you are going out to eat at least. every other day at minimum, every other. day. At minimum. >> Yeah. Sorry for yelling, princess. I'm.

loud a lot, so she's good. You can yell. as much as you want. Yeah, but she at. least knows it's coming from like noises. when you yell. I [laughter] don't yell like that. Oh, she just. She's starting to shed, yeah. She's. starting to shed. Her tail starts first. You're so good. My kids will meet her. They live for like 20 years.

She's like there for right now, yeah. >> And who are you having kids with? Hopefully somebody, hopefully a man. >> Can it I Well, >> who's my husband. >> I highly doubt you accept. women. Oh, no. Oh, sorry. I love women. I think they're beautiful. I don't swing that way. Uh-huh. [snorts]. So, I think. that you are going to pathetically go. back to the cheater, unfortunately.

Yeah. Who is a fan of the show, allegedly, which He turned He put me on. to. you. >> the best at relationships and staying. loyal to a woman. But again, that is 18. years if you do not purchase so and you. are incapable of not purchasing. So, this will be longer than 18 years. Well, but here's the thing is I'm hoping not. hoping, I'm working on making my income. go up. So, the. >> the up. This isn't an income issue. >> Yeah, it is. Yeah, it is. >> No, no, no, no. Well, no, but Girl, you. just spent literally hundreds of dollars. going out to eat. >> when I was making $10,000 a month, I was.

able to pay my credit card off monthly. You can leave her. She probably won't. move now. >> No, I'm getting her off the paper. >> Oh, sorry. Sorry. Then on here it says. it's a more DoorDash from a different. month and CVS and Amazon. Pull up your. Amazon. Interest accruing. Surprisingly no late payments on there. See, I'm good at it. I could have paid. it. >> right? >> Uh not so much anymore. As they get. older, they become more herbivore. When. they're. >> She's eating plants? Uh not only, but. mainly, yeah. >> What does she eat? >> Well, so sometimes I have like a. freeze-dried thing and I'll give her.

it's freeze-dried mealworms, crickets, and grasshoppers. >> Are you sure she actually likes this? How would we know? Um her So, when she's. just like not happy, she like is usually. attempting to run away, but then also. like this part of her But also. >> black. >> like there's in between happy and not. happy. Well, like. >> know she actively enjoys it? Cuz I want. to I want to pet her if she likes it. >> I know, and she does like it. So, that's. what I'm trying to tell you. So, this. part of her chin right here, like she's. showing you. >> it. This part would turn black.

if she starts to get agitated. >> is right there. Well, no, but that's why. I'm saying the whole bottom of her chin. would turn this color black. if she was agitated or like and it it's. different levels of it. So, when she's. like. >> So, what? She eats crickets and plants. now? Yeah, mainly plants. She loves. zucchini. >> section. >> She loves carrots make her poop stink, but Yeah, that's why you couldn't have. these kind of creatures. I love them, but I just don't the whole cage. maintenance. Last 3 months or do you.

want Yeah, last 3 months, do you want? What? >> Yes, just give me your Amazon. >> Sorry. You scared her. Well, that's her problem. for being an animal on this show. You. know I hate you. >> I love her, but. do got to do. Uh tanning cream. Yeah, I see it. Okay, you have a bunny. cage? >> cream. No, that was my face wash. You. have a. It's It's a skin care line. >> have a. bunny? No, I bought it for her. >> licked you. Yeah, that's how she like. explores.

Okay. So, the that little cage. >> Brandon will let you explore him like. that later. Um so, um I bought that little thing for. her. So, when I take her out on my. patio, >> I don't care. I don't have to worry. about her running away. >> box of variety snacks in. There's so much present. I bought him a. My ex, I sent him a. >> Sake. What You don't have money. Dishwasher safe chopsticks. You just. don't need chopsticks though, is the.

thing. You don't need that to survive. Soothing cream for soothing cream. >> That's skin care still. Stop. I don't. care. Shape shelves. You don't. need it. Clothes that I guarantee you. don't need cuz you probably already have. Yoga mats, multiple. Well, one's a. towel. >> pillow. You don't need a ball pillow. the outfit of a dominatrix. Oh my gosh, it's getting. returned. You decided not to be a. dominatrix any longer? No, the. shorts were too big. It was like a. western thing, not a dominatrix thing.

Well, at least it's getting returned. Yeah, you could use a little bit of. whoring in your life. Cuz you're about. to go back to a cheater, which is. insane. Which is I've like why the. is that acceptable? That would be paying. 35,000 for. what? That is insane. That is. disgusting. That is unacceptable. Why? At 22, what the is wrong with you? >> me open my business. and and pay for school. They laid out. the money. >> making $80,000 a year, you're an you. animal. Why was this not paid off? You. selfish beast.

Yeah. Well, yeah. What a response. >> paying like $500 a month when I was. working. >> Remember when you said he runs away if. he's not happy? He's trying to run away. Well, he's probably trying to explore. the table cuz he was like So, what is. it? Run away or explore? Well, when. she's got her tongue out, it's. exploring, but if she's black, it She. licked me, remember? Yeah, like 5. minutes ago. But well, she she did it again after you. said that. Why'd you not pay them back, you pathetic creature? >> I've made payments on it and I paid them.

5,000 out of the number that I got from. selling the business. 500? 5,000. Did I. say 500? >> Yes, I sold the trailer. The business. itself did like the clientele didn't get. sold, but the. >> Why? >> The ask because I I wouldn't I wasn't. able to take it. In my logical. mind, >> You do not have a logical mind. She's more intelligent than you. How. much did you sell the trailer for? That would cost $80,000 to build out, allegedly.

>> I don't I don't really remember. I I think it was. >> Girl, this is a couple years ago. Shut. the up. Tell me how much you sold. it for. >> Well, I think it was like 20, but I'm. not really sure. So, >> 20,000? >> Yeah, but it might. >> your parents 5,000? >> Well, so I think it was less than 20. because I don't think we made our money. fully back. >> So, I I thought I had paid some debt off. earlier. >> I'm calling your dad in the post show. I'm calling your dad in the post show. and I'm going to tell him what you're. spending is like today and how your your. finances today instead of paying them. back cuz it is disgusting and selfish. Well, I I know.

>> payment to them since you moved to. Texas. When did you move to Texas? Last. June. And why'd you pick Dallas? Um well, cuz. I just I don't know. I've never been to. Texas. before I moved. >> But why'd you pick Dallas? That's. there's a lot of black people there. You. hate them. >> I don't hate black people. I told you. >> chopped. She's chopped. Again, she could. have been white, she could have been. anything. She was still chopped. Her. skin color doesn't matter. There are very beautiful. African-American women in the world. Okay. She was not one of them. It's a.

cope. I mean, again, she could have been. white, she could have been anything. If. you're ugly, that's. >> monthly payment to your parents, are. you? >> Not anymore, no. I was Yeah, cuz you. moved here and decided you wanted to. have fun again. No, well, >> Yes, that's what you do. That's where. all your money goes. >> Yeah, cuz I was trying to make my. quality I felt like my quality of life. should be better. See, no, she's She won't bite you. So, this is what she does when she wants. to like explore, but if she was running. away distressed, not liking the.

exploration, her her whole belly, like. her whole underneath would be black. Does that make sense? Yes, I'm not like. you. >> Well, you're not responding. Um but I'm. listening. Some Sometimes it's okay to. just listen. But then how do you know if. someone hurt you? >> Okay, there's something in here. It was. a car loan I saw. Yeah, that's. it's connected to Capital One, but it's. probably a I don't see it. Well, oh, do. you not have it? Oh.

Oh, I guess it came after. I mean, we can look at your checking. account first. Okay, what do I see here? Um $0. Right. Exact same amount of money that. went in went out because you just. transferred. Yeah. kidding me? So, all that money. we saw spending on the credit card, when. I said she eats out every other day, that's not true. She then eats out the. same amount in here. Cowboys Red River. Escapade. Escapade. Uber trip. Cowtown Coliseum. Cowtown. Coliseum. Cowtown Coliseum. We went to.

the rodeo. >> Shut the up. We I don't give a. Stop. Shut the up. Uber trip. Walmart. Is selling out money. Cash app. Sending out. Who are you. sending Cash app money to? Who are you sending Cash app money to? >> I got scammed through Bitcoin. And you. don't think you're getting scammed with. the African child? No. No, no, no. It's. a very reliable website. >> Longhorn Ice House. I think I almost. went there, but I didn't. I deleted it. Okay. Walmart. Going inside and getting.

some Did I take a screenshot? >> Going inside and getting some What are. you going and getting inside the gas. station and getting $4.32? Uh probably a snack. What do you get? Like a Twix bar or something cuz I don't. I don't do energy drinks. That's okay. That's fine. Or coffee. Well, you don't. need to do energy drinks. I know. I. tried the Gamer Supps. It [laughter] was amazing. But this. isn't energy drink. This is the. hydration version. So, this is. electrolytes. Oh. No energy. This is.

caffeine free. So, here you go cuz there. are caffeine free versions for the. electrolyte versions of the drinks. Get. your free samples to figure out what. flavor you like. Type in and go to. Caleb@gamersupps.gg. Link in the description below. Not a. scam. And then figure out what flavor you like. and it's 40 cents a serving. Are the cans the same prices? Are they. still the same serving size? >> if you get them like that where you make. it yourself, that's where it's cheaper. >> TJ Maxx. Getting into Shein. That's doing a lot of heavy lifting.

Amazon. Amazon. Prime. Bennigan's. Out of money. Benihana. In-N-Out. Fashion Nova. Apple Cash. Rock'em's. Selling out money. CHIPOTLE. RESERVOIR. Sam's. Forest. Cash app again. Texas Nail Bar. Not worth it. Auto statement. Okay, what's your car? Um, about 300.

It's like 289. >> your car, you. >> thought you were talking. >> What kind of car do you have, you. freaking freak? >> It's a 2018 Audi A4. What are you doing with that? Driving. it. >> a nice car? >> Yeah, it is. It's worth 9,500. Yeah. >> You owe 2,831.45. >> I was underwater. >> $295.72. It's cuz it has really high mileage. >> Uh, 9.something. >> Oh, that's not good. What's up? What's.

the mileage? Uh, over 100,000 miles. Oh! And I bought. >> Why'd you buy this after you totaled. that last car? >> the cheapest car on the lot that I could. find. >> to a different lot, you dumb Weren't you. in Dallas? Yeah, well, so my. >> what what places have a lot of lots? Texas cities. There are car dealerships. every 5 minutes. >> I know. So, here's the thing though is I. I ended up getting a really. >> No, it's at a 9% 9% interest rate of. debt. But. >> underwater. You do not get a good deal.

and it's at 100,000 miles. >> but they cut like. a couple thousand off of the price. >> their price, not the real price, you. They gave it to me for what they owed. the car for. My friend works there. >> Shut Oh my goodness. >> me get the deal. >> can't I can't break through. I can't. break through. There's no breaking. through. Girl, you're lost. Good luck in the rest. of life. I'm going to get pregnant. >> get back No, you're not. Get. Yeah, get back with the cheater. Get. back with the cheater. Good luck. >> [laughter]. >> He's going to knock you up. He's going. to knock you up. >> He's not. How do you know? Because.

You're on birth control? No, and I. probably never will be. There's other forms of birth control. What? Uh, abstinence. Oh, Oh, they're. Oh, they're so She's going to come back. with 10 children. Oh, no. >> a wedding ring if I come back with. >> Yeah, with a cheater. Pathetic. Okay, 4.5% interest rate for some loan. that is $12,206.09. What is this? >> college. I went to Iowa State for like 2.

years. Of course you did. Okay. I wanted to be. a veterinarian. >> You belong in the corn and I'm glad. you're not cuz I want my animals to stay. alive when there's issues happening. >> I'm good with animals. You're good at. being nice to [clears throat] them. That's really all you have to do to. them. What's darker? His skills or her. arm hair? Oh my gosh. I shaved one long. sleeve. Holy. You have arm hair, too, all right? >> Yes, I do. A man, that's weird. Well,

but Whatever. >> Usually tradwives just don't have arm. hair and I know you want to be a. tradwife. >> want me to start shaving my arms and. make it look nice? >> No laser hair removal, right? Probably. >> Yeah, do you know how expensive that is? >> Yeah, you better go get a man that. doesn't cheat on you and that makes good. money. >> going to reopen my business and just. make Yeah, after you borrow 80,000. Remember, this that's how the story. ends. Oh, she borrows 80,000 more. >> are worth $100,000. I have to quadruple my debt. >> Minimum monthly payment $91.55. Okay,

here's the Mohila. Yeah. Okay. Them together. is $4,430.07. Minimum monthly payment $54.68. Okay, that's not. not horrendous. I'm sure it's low rates. Yeah, it's I Well, I don't know the. rates, but I know the payment isn't that. bad. Abstinence only? Well, no. I mean, obviously there's like more if you're. going to. >> What? Well, condoms. Okay, did you guys.

always wear condoms? No, not when we. were active. Yes, you are going to get pregnant. >> Cuz I'm making lots of noises, huh? You. want to lick me? Yes, you do. Hello. Do. I taste good? >> [sighs]. >> I'm sorry your mother is. Okay. Oh, or she might. she might. >> Okay, we'll put her away then. >> Yeah, okay.

Sometimes she gets like really active. when she has to poop cuz she doesn't. want to poop where she hangs out. $2,999 in this account down from 2,300. Annual sharpening. [sighs]. Yeah, cuz I need to get my scissors. sharpened for work and like my blades. and stuff. Okay. Huh. But that came out. of my business in this account. Oh, good. She has a business account. Well, yeah, I have a whole LLC. >> I don't know. in in what? I don't know. Pull up your.

Robinhood. I almost got scammed. >> [laughter]. trad guy that ends up with you. Actually, no, a lot of trad guys. >> I'm great. I'm a good cook, like I. clean. >> to be actual super trad. Yeah, but. >> want to cook and clean and like And pop. out babies, yeah. Yeah, and like I want to have my. business up and running so it's. self-sufficient. So. >> Isn't this what you want, Brandon? >> So, when I like when I go when I do get. pregnant, my business is fully. self-sufficient and I just bring in.

income Yeah, you're ruining it with your. business thing. I'm just delaying it. >> Okay, she just. has her all in JP Morgan stock. Oh, yeah, cuz I didn't know what else to put. it in and I felt like I used Chase as a. bank, so. JP Morgan and. Chase bank, right? Oh, no. >> Is that wrong? What do you think I should do with it? >> a CD of 10,000. That's also just stupid. I don't really see the point. >> That's all my small business startup. So, that's that total like 18,000.

>> You owe them. >> No, because then I won't be able to open. my business again and I want to do that. in the year in this year, in 2026. >> 80,000? >> I can't borrow 80,000 without some sort. of down payment. >> Chat, we are so cooked. This account. down to 1,000 and 75. No, you're not. And that's your transfers. >> You'll see. I'm going to prove it to. you. Okay, please do, but usually in. order to do that means you have to do. the bad thing in order to do it, so. What bad thing? Borrow the money. Yeah. Well, yeah. >> This time not from someone as forgiving. as your parents. Well, yeah, I'm going.

to borrow it from a real bank, but. >> bad. Oh, well, cuz your parents are. letting you not pay the minimum right. now. Cuz they're flexible. Cuz life. happened. Yeah, cuz I'm not making. enough money yet. She's so fat. $3,000. >> income issue. >> up. Oh, yeah, she's got to poop. Well, let her drop drop those dumps. then. I have no problem with it. Okay, minimum.

debt payments. $528.95. What is your rent? Uh, 1350. >> And all utilities combined plus. internet? Um, uh, 200. Okay. Cuz I pay. 50 Yeah, cuz I pay like 50 between 40. and 50 for utilities through the. apartment complex and then I pay about. $52 for internet and then I pay between. 120 to 160 for electric. But I think I'm.

getting screwed over by my electric. company. >> Okay, phone bill and car insurance. combined. Okay, phone bill and car insurance. combined you give to your dad. How much. is that again? >> 225. Okay, gas and vroom vroom drive drive, how much? Um, 75 every 2 weeks. So, is that 150? A month? How much? About 75. A month? Every 2. weeks. So, like Okay, so let's say like. 150 160. >> yeah.

Okay. Necessary food $300. Use the meal. plan. Make sure you get a percent off of. the annual version of Dollarwise. Yes. I. actually spend $50 a week on groceries. Okay, 300. You go out to eat every day. That's You're It's That's how the math. works. $100 for everything else you need. including your. morning-after pills that are definitely. going to be needed. Medical health care, how much on a. co-pay basis, what not? Uh, I think my. co-pay is only $15, but I'm on my. parents' health insurance and.

everything. Hm? I'm on my parents' health insurance. >> But 50? A month? 15 for a co-pay. Like if I go. to the doctor, they'll. go. What about medications and I. pay 20 bucks every 3 months for. medications. >> Okay, I'll just. You just put it in then. I'm just going. to put 5 bucks. Is there a gym? Yes. How much? Uh, like. 30 bucks. Good. How much for pet food, pet care, all. that stuff for him? Uh, super Oh, shash. she Just how much? Um,

I don't really spend a lot. Probably 20. bucks a month. Is it stinky? Well, no, but I just sat down and she. Well, it might be stinky. I'm proud of her. Anything else that. needs to be in the budget? Um, uh, well, not necessity, I don't think. Stop. freaking out about the animal. Oh, subscriptions I'll put 40. Why? She. pooped. Isn't that what the cage is for? Well, yeah, but it's her travel cage, so. I don't want her to like sit in. >> think she was going to poop in your. 3-hour drive down, 3-hour drive up, and. 3 hours here? She didn't on her.

24-hour drive from Jersey to Texas. >> Well, you've been feeding her. Oh my gosh. >> Well, you're basically break even. Listen, it's $2,918.95. and I'm sure we're missing some and. you make $3,000 a month. So, here's the. reality. You are not going to be able to. pay her for debt. Especially with your mindset. You're. going to go into more debt in order to. open this business and good the on. all that. >> But it's flexible. It's flexible. >> in a different place with the generosity. and flexibility of your parents. Now, you're going to have a minimum monthly. payment of this loan that is going to be. tied to something most likely. Good.

luck. But either way, doesn't matter. Here's the reality. Go make make an extra thousand dollars a. month by working another job. or by working more hours or getting more. clients, posting social media more if. that's what you need to do. And when you. do that, you will be able to pay off. your bad debt in less Well, actually, okay. You'll be able to pay for a Quicksilver. card in a couple months and then. honestly just use the It used to be. called the Fizz card. Now it is the. Mine card. Use that debit card that. builds credit, only allows you to spend. what's in your checking account. Stop.

using the Quicksilver. I'll get you a accounting certification. from Course Careers. That will help you run your business. And I want you to see if you can start. small instead of borrowing so much. Get rid of debt before you go into this. thing because you're just going to. accumulate so much risk and it makes no. sense. >> Can I ask you a question about that. though? >> Yes. So, I know you're not in support of. this small business loan, but so to get. the small business loan I need to have a. certain number of lines of credit open. So, I was under the impression. >> close any. Well, but if I pay it off.

It's a line of credit still. Even if. it's at zero? >> your gas on it, dude. You'll be fine. >> But that's only one line of credit is a. credit card. Aren't the Aren't the car. loans and those aren't those technically. lines of credit? >> touch it, but even still. >> Okay. >> Listen, it doesn't matter. She was getting close to her foot. Sorry. Oh, she's out and about. I didn't. know that. I almost crushed her. Listen, I don't know. I honestly don't. believe anything good's going to happen. here. So, I don't I don't whatever, but. listen, you just have to go make more.

money then you can pay off that. I would. just do small to large so it's paid off. Minimum payments and student loans until. it's done. Same with the parents. And. you just got to treat them with respect. before you get more debt and I think. this business thing is stupid, but. whatever. Guys, I'm going to do the. Hammer Financial score, but first make. sure you join us for the post show. It's. going to be good. I'm going to call her. dad and confront her. Also Oh, no. Delilah went to jail. Had a warrant. What the. We will learn about that. What the. >> [laughter]. >> Okay. What the. Okay, spending money in a budget you. have overspent zero out of 10. Debt no.

collections. Your parent debt is That's. not great. It's going to be a two out of. 10. Emergency fund Nothing really. The. CD I don't know It kind of works. I'll give you a five out of 10 there. Retirement At 22 you're not expected to. have too much at this point. I don't. have anything. And that Chase thing is a decent start. I'll give you a two out of 10 and I'm. just being generous. Real estate is zero. [music] out of 10. You learned to shut the up like a. good tradwife. Yes, sir. You don't have to call me sir.

I'm not looking for trad. I don't give a. about that That's not my. Brandon would like it. I like a woman. who can speak out. Gives me an excuse to. hit her. That's a two out of 10. Did I. not just speak out? I feel like I'm. hittable like by the way that I speak. I. was making a joke. Guys, we have a lot. to talk about in this post show. Make. sure you join Hammerly. It's incredible. Best membership on YouTube. And premium. shows every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. See you there. Call your dad. >> Right now? Okay. Right now. Hey, I want. to talk to you about this debt that your. daughter owes you of $35,000.

Yeah. Yeah, when can I get paid? >> That feels like a betrayal to me, honestly. How do I go about getting my. money back cuz that's my retirement. >> Zelle, Venmo, Cash App. Talk about being. taken advantage of, right? Hammerly is. the best YouTube membership on the. platform and I just upgraded it. Three exclusive dedicated 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. join. That's a promise. [music].