Septum Piercing Freak Makes Financial Audit History

You've been living at home for two years. and you still spend a more than you. make. What is wrong with you? >> I'm being positive about it. >> You have a 3,000 Shut the You have a. 3,000 hour overdraft balance. >> I'm just a girl. >> That is not cute. You're going to piss. me off and I'm going to kick you the. off. Septum piercing obnoxious mother. 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. And for the rest of the month, I.

am paying for you to sign up. Sign up. for Hammer Elite in the description or. pin comment below and submit proof of. purchase at hammerite.com. After that, I'll send you a $10 digital gift card. that can be spent basically anywhere and. in most countries. This is the best. membership you'll ever join. That's a. promise. >> Hi, my name is Dom. I'm 30 years old. I'm from Los Angeles and this is. Financial Audit. >> Septum Piercing. once a week at this. point, huh? >> Yes. >> Okay. I'm glad you answered yes. Are you.

>> in the casting department here? Okay. So, thanks for coming in from LA. I know. it's uh you're flying in and out the. same day. We really do appreciate it. What do you do for a living there? It's. expensive city. We all know that. >> I am a budender. >> Bud? >> Yes. >> Bud? So, now So, now. >> Okay. Not speaking incorrect. >> Can. you're you're at the counter. Are you at. the counter? >> Mhm. Is that Is that it? You're just at. the counter. You're a counter person. You're a cashier. >> Yes. Cashier.

>> Okay. Yeah. What are you paid? >> 18 an hour. >> That's a cashier. Yep. In LA. Okay. Sounds like much more than it actually. is. >> Yeah. But tips I know. I guess the tips. always help. I think every month I get. at least 1,300 extra cash. And then we. also get debit tips. >> Yeah. >> Debit tips. I haven't um like counted. how much I get monthly, but. >> Do you know it hits your account per. month? What hits your account? >> It enters my account. Yeah. >> What? What hits your account per month? >> A month.

>> A month. >> with the cash and everything. >> Sure. Total. Let's go total. >> like 4 to 5K. >> Okay. Again, it is a more expensive. city. We'll say 4,500. So net $54,000 a. year. You know, there's definitely some. situations where we can make that. stretch for sure. Roommate situation. Okay. Okay. Okay. So, why are we here? What's going on with you? That ain't. That ain't bad. >> Well, I have a lot of debt.

>> Oh, yeah. Why? >> When I went to college, I. >> I don't think these are just student. loans, lady. >> I know they're not student loans, but it. started. >> You went to college for what? When did. you finish college? >> When? Three years ago. >> Okay. So, what's going on then? Why? Why? Why are we still like Well, when I. went to college 3 years ago. >> So, it's dead. That's 3 years. And I. guess I've been avoiding it until. recently. >> Why? >> Cuz I'm I was scared to see the number. >> That doesn't fix anything. I I don't.

Okay. >> Yeah. >> You're telling me you haven't gone into. debt at all these last 3 years? >> No. I mean, it stayed the same. Like, I. guess that debt when I started. Am I. making sense? >> You're making sense. I don't know if I. believe it, >> but you're making sense. >> Okay. So, when I went to school, I moved out. and then when I moved out. >> Oh, you moved out to go to college? That's crazy. Okay. >> Yeah. My aunt was renting out her home,

so I wanted to have that whole. experience. I almost um Sorry, I'm. getting I almost moved out Oh, dorm at. my college, but that was going to be. expensive. sharing what one dorm room. with like three two other girls. I. didn't want to do that. So, I moved in. with my aunt. Not with her, but it was. me, my cousin, and then two of my. friends. I paid 1,000 a month. What. >> is at the top of your head? The top of. your nose. >> It's a scar. >> Oh, that sucks. >> Keep going.

>> And that's how I got into debt. I guess. I got grants. I thought that money was. going to come all the time, but then it. stopped. >> Yeah. Okay. You're spending $1,000 more. than you bring in. So, I don't Shut the. up. Like that. That is not your issue. Obviously, it's been more since college. And this is again, I said I didn't trust. you. Well, now the numbers have. confirmed. >> Spend a,000 more than you make on a. monthly basis. >> Yeah. >> Also, no. 5,400. didn't. Or. >> was it right? >> Sorry. Sorry. Sorry. Sorry. For you had.

a little more than 4,500. You had. basically 5,000. Actually, very close to. it. And you spent basically 5,700. >> I spent that much. >> Yes. 5,900 came in, 5,700 went out. 4,900. came in, 5,700. went out. >> Oh, wow. See, I didn't know. >> Oh, wow. I Yeah. Or else you wouldn't. have just blamed it on what was. happening five, six, seven years ago.

>> Yeah. >> When'd you go to school? >> Huh? When did you leave house to go to. school? This crazy thing. >> 20. >> How old were you? How old were you? >> 30. Oh, how old was I? >> Yes. >> 27. >> What were you doing before then? >> When I was. >> What have you been doing with your life? >> What do you mean? >> Going to school. >> You just said you went and moved out for. school at 27. >> Well, the are you talking about? And now. you're again now you're just a cashier.

So like what are you even doing? So you. went to community college for a decade? >> No, for 2 years. I. >> So what were you doing from 18 to 25? >> Just working. >> Doing. >> random um cashier jobs, I guess. Cuz I. was like retail, clothes, food. >> Okay. So six years in cashiering. >> Yeah. >> And go to school for multiple years. >> Four. >> That is multiple. >> Yeah. That's not a lot. That's like the basic.

Fine. But you went to school. Now I'm. not criticizing how long you're in. school. >> Okay. Okay. >> He cashiered for 6 years. You went to. school for 4 years. >> And now we're a cashier again. >> Yes. >> The are we doing with our life? >> I want to pay my debt off. >> Okay. So. >> I feel like. >> job with your degree. >> But even with my job, with my degree, I. feel pay is the same. Like even working. at schools. >> What job would you have? >> Like a sub. Be a sub. >> substitute teacher. >> Yeah. If I get my credentials.

>> That's that your degree was not in. substitute teaching. >> I know. My degree was in Chuco studies. and I got a minor in film. >> It was what? >> Chuco studies. >> Hold on. I'm real white. >> Are you judging me? >> No, I'm I'm I'm white. Very very white. I am realizing now. Uh so I'm cho. >> Yes. >> Is. definitely not chicken. I do know that. Okay. I don't know what cho is. >> Really? What? >> I'm from Michigan. I saw one Mexican my.

entire life until I moved to Texas. Please tell me. >> what you need to go to LA. Cho, it's a. culture Mexican-American. Um, >> and you got a degree in that? >> Yes. >> On purpose? >> Kind of. >> I wanted to connect. >> Yeah, I wanted to connect to my roots. and. >> Cool. Go to a seminar, go to a cultural. landmark or read a book and don't get a. degree that is going to determine the.

careers you're going into right outside. of college that you're then going to. likely build for the rest of your life. cuz you're not getting a job in Mexican. American studies. >> But I can go back to school. >> So to be clear, >> yes. >> Yeah. >> Yes. >> What are you laughing about? >> I'm just laughing. Why? >> Cuz. >> cuz what? >> You're making me laugh. >> Why? >> Cuz it's funny. >> What's funny? >> That's how I cope. >> So, to be clear, we go and get a. four-year degree so we can go get a.

four-year degree. That's That's how that. works. >> Kind of. I think I did that on purpose. to make my. >> You went and got a four-year degree so. that you could go and get a four-year. degree after that. >> Yeah. What's a thought? I don't know. yet. My my goal after college was to pay my. debt off. So I think that's why I'm. focused on which is why we spend more. money than we bring it on a monthly. basis. What the are you talking about? >> I didn't notice because I was avoiding. it until now. >> No, you've been out of school for 3.

years. You said your goal after school. is to pay your debt off. That's a lie. That's a lie. >> That I mean like what are you talking. about? That is objectively incorrect. You did not do this for the last 3 years. to pay your debt off. That is not your. goal. That has not been your goal. And. now we went to and went to school. starting late and that's fine, but you. went to school so you could go to school. again. Like that doesn't make any sense. What's this next degree we'd be. collecting in our infinite collection of. degrees and never doing anything in. life? >> Okay. Will it be anything productive or.

is it going to be something stupid. again? >> Yeah. I mean, I guess that's what I'm. trying to figure out. >> Are we going to Should we get Chinese. American culture studies? >> No. Well, I did ethnic studies in my. community college. So, I did learn great. other histories. >> What a career field. >> But I just don't know my next move now. from I guess my degree. >> Uh maybe something that has jobs. >> related to career. I know. go and get a doctorate and become a.

teacher of the studies so we can. >> convince more people to go waste their. time on a useless degree. >> I mean it's not useless. >> Yes. >> I mean for me I guess right now. >> No. A degree is to get a job. A degree. is for a career field. >> Yeah. >> You can read a book. You can go to. museums to get what you are trying to. get, cultural enrichment. I'm not. opposed to cultural enrichment. You can.

go without spending the four years in. the degree that you are going to use on. your resume to try to get your first job. outside of college. >> Yeah. >> You can read a book instead of going. tens of thousands of dollars into debt. You can read a book instead of moving. out of home. >> Culture enrichment is not bad. >> Yeah. wasting your time, money, and the degree you got on something that. is a worthless piece of paper in today's. job market if we're being completely. candid. Yeah, few that is worthless.

>> Like there's some jobs that are good for. that. Tell. >> but I just don't. >> tell. Please. >> There's nonprofits. There's. >> Yeah. And so what's the job? What's the. job? >> I don't know. >> I didn't apply to any of them. You can't. even tell me what the job in the career. field is. >> Well, there's multiple. >> there's nonprofits that I can get in uh. and make videos. I like I don't know. >> Yeah, but I don't have skills like that. >> No, I'm saying you can get like. >> What the are you talking about? Oh, what.

is LA? What is LA? >> Um, no. I'm saying like I can go name a. job that I could go get a nonprofit. Just cuz it's a nonprofit doesn't mean. your job exists somewhere. If it's like a Mexican-American. nonprofit Mexican American nonprofit. doing what? What's your job? >> I don't know. I only know the job that I have. personally, >> which does not require a degree and. definitely not that degree.

>> Yeah, that's true. >> So, you're wasting your life. You have. nothing going for you. And you've done. nothing and you're 30. >> That's not true. >> You're right. You haven't done nothing. You've accumulated $46,220 and4 cents of. debt. >> But that's not a lot. Like other people. >> The are you talking about? Like other. people? >> Yes. >> Doesn't matter. I'm so over this. >> I messed up. That's why I'm here. >> For a long time. That's Oh my gosh. You're You're hitting every catchphrase. >> Why?

>> I messed up. What are you laughing at? >> I did. I was uneducated. How I took out. the loans, the subsidied loans. I didn't. know I can press buttons off and then I. got it. Student. loans is 8,000 of this. Like I know, but. there's go die. Like that's that your. student loans are not what the this. conversation is about. >> What? >> What? I said this student loans are not. what this conversation is about, lady. >> Okay, then what is it about? >> The rest.

>> Which is what? >> And you having done nothing productive. with your life. >> What do you mean I have? I work. That's. productive. >> Listen, and we need service based jobs. Don't get me wrong, but you went and. spent your time and money on a degree. that you aren't even considering using. cuz you don't even know what a job with. that degree would be. You can't name one. job, >> but AK is not bad. >> You can't name one job. >> But AK is not bad for a UCLA degree. >> Sure. Okay. >> I think we should other stuff.

>> Your debt would be better if it was. majority student loans. However, >> what. >> 30? >> Why? Because student loans are typically. lower interest when they're federal. loans. When they're federal loans, there. are more ways out of them except. bankruptcy, but there are more ways to. potentially get them forgiven. If you. went to a scam institution, you can put. them on pause. Income driven, you know, if you get laid off, there's lots of. help. >> Yeah. >> Not with the Nordstrom card. So, yes, I wish they were mostly student.

loans. And yes, $48,000 of debt is bad. What the are you talking about? It's not. that bad. I'm not going to let you walk. away with that. 46,000. What? What? How? Can you please define. how that's not bad? >> Well, it's payable. I don't need to file for bankruptcy. >> What? >> I could probably try and pay it off in. like 3 years. >> Tell me your strategy. What are you. getting to do there? Um,

not buy stuff, not spend money on buying. things like clothes. >> I'm a girl. I like fashion. >> That's your strategy? >> Yes. >> Is I just don't buy clothes. >> Yes. Or tattoos? >> Yeah. You have some tattoos? >> Yeah. >> You'll probably stop. >> They're expensive. Don't you spend money on clothes. >> here and there, but also I can't afford. it. It's in my budget. I don't have bad. debt to pay off. I don't know what. you're complaining about. How much were.

those glasses? >> 300. >> So, what are you doing then? Because you. haven't done a single thing. Yeah. >> You don't think so? >> To pay off debt. You haven't done. anything. They know coming on the show. >> Pay them on time. >> Well, we will actually see about that. because most people say that and then. they don't. >> I do pay mine on time. >> I hope so. We will find out. It feels. like I'm not even paying it because the. interest rates high from the Nordstrom's. card and the other card.

>> Since you're such an expert and you. spent all the time and all the money on. the cho degree, I've brought in my local. half Mexican um and equal tattoo. degenerate. Um Brandon, welcome Brandon, everybody. You know him from Hammer. Elite. Uh he has a quiz for you and we. want to see if you're actually an expert. in chino. >> With a last name Kavazos, I do feel like. I'm able to give this test out. appropriately. First question, who was the leader of.

the United Farm Workers and a central. figure in the Chicago labor movement? >> Caesar Chavez. >> That's correct. Ding ding ding ding. >> Number two, what was the name of the 1969 plan. called for Chuco self determination and. cultural pride? >> Wait, what was the question again? >> You got the degree, not me, bro. >> Come on. >> What was the name of the 1969 plan that.

called for Chuco self-determination and. cultural pride? >> Is it the zoot zoots? >> You're wrong. You're wrong. >> We'll get there later. What 1972 novel. by Ralpho Annaya is considered a. foundational text in Chicago literature. >> Oh, you're so bad at this. Why? You're. never going to get a job in this. You. don't even know what job exists in this. >> Come on. This is this is pure cho. Okay. One out of three so far. >> Three years.

>> What is the most popular low rider car? >> Popular low rider car? >> Yep. I feel like there's many. Impala. >> Most popular. >> The impala. Oh, >> that's correct. Chino comeback. A chino. comeback they call it. Usually chinos. have come on their back. >> Impala. >> What year was the chalupa invented? >> The chalupa is coming. >> 1998. >> You're wrong once again. >> What was. >> And one year later, very close.

>> Very close. That degree is almost going. for nothing. And what beloved Chico. actor is known for his love of tacos and. donuts? >> Chico actor that loves. >> donuts and tacos. >> Is it Danny Trio? >> It is. >> It is. Look at that. >> All right. >> You got a 30 in college. >> Is that 50 out of 50? >> Yeah. They don't teach math in Chicago. major. >> All right. Well, say bye to Brandon. >> Bye. >> Bye.

Okay. You're kind of a cho. You're like. 60% of the way there. Proud of you. >> So you say your main goal is to pay off. the debt and that's what you've wanted. to do and that's why you haven't gone. into the career field all that stuff. Okay. So what is your strategy of. budgeting? Tell me of the your budget. >> I am living with my parents and I'm not. shopping online anymore. That's.

>> that's budgeting. Yes, >> living with parents can be a good thing. depending I mean you kind of moved back. in at uh what at 30? >> No, I moved back in I think at 28. >> You've been there for 2 years. >> How long are you going to be there? >> I don't know. I kind of want to stay. >> Why? You don't want independence? >> I did have that. But. >> about dating? >> I am dating. >> You have a boyfriend? >> Yeah. >> And you live at home and he's okay. >> Yeah, cuz Well, I have a relation. I my uh.

you caught me off guard. Sorry. >> Then he has his own place. >> No, he lives with his parents. >> Okay. And how old is he? >> 29. >> Okay. I see the people I'm dealing with. here. You tend to find more replicas of. yourself out there, don't you, ladies. and gentlemen? >> I think so. But I think for myself, when in my 20s, I was always out. But now my parents are. getting older and I kind of find it.

healing to be with them. >> Sure. Sure. And I I don't have anything. wrong with people living at home. Lots. of other cultures live at home longer. But the fact is in our culture and. things like that and when it comes to. independence and building a. relationship, maybe even building a. future family, whatever it is, how long. have you guys been dating? >> A year and like 7 months or something. >> It's a year and seven months. So, we're. talking usually, you know, pretty close. to moving in maybe or even getting. engaged at that point. >> Okay. I am scared of moving in. >> I've had that experience if we live with.

mommy and daddy. >> I've had that experience before. That's. why I don't want to live with. >> that. Sounds like it was a bad. relationship. Doesn't mean this was. doesn't mean. >> if you're considering this a potentially. bad relationship, don't be in it. >> Then you should be able to move in. together. >> Yeah, but look all my stuff. I can't. move. >> But no, no. What I was trying to say is. you living at home isn't necessarily a. bad thing, but the staying at home. forever thing. There is personal growth. that happens, especially in our culture. with a little bit more independence. >> Yeah. >> And I'm nervous that you're not getting.

that. >> But when I got independence, I spent my. money cuz I wasn't financially. >> It's because you're immature. What? You. think living at home with your parents. is the only reason you're mature? >> No. >> Then what? >> What makes me immature? You just said you living not at home. >> Uhhuh. >> made you go crazy spending all your. money. >> So you're only mature cuz you live at. home. >> Well, >> I didn't even say you're spendous. >> Wait, >> you've been living at home for four for.

two years. >> Hey, you've been living at home for two. years and you still spend $1,000 more. than you make. What? What is wrong with. you? How are you spending more than you. bring in and you're laughing about it? You think that's cute? You think that's. cute? >> No. >> Yeah. Let us see more of those fake like. degenerate ass sparkles on your teeth. >> Why? >> Keep laughing. >> No, no, because you told me to laugh. I'm not going to laugh. >> All right, let's be honest. Most of us. weren't exactly credit card geniuses in. our early 20s. I thought minimum payment.

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And how much were those? Those like. little middle schoolers. >> These are actually free because I won a. contest. >> Great. And now you look like a middle. schooler. >> Okay. >> I'm healing my inner child. >> That's what you need is to be more. childlike. That's what you need. Useless degree. Still lives at home. Boyfriend still. lives at home. >> Well, if you. >> and you want to be more like a child, >> this is going to go great for you. I'm. trying to figure it out.

>> How? What? What are you doing to try to. figure it out? It's been two years. You. spent 1,000 more than you made. If. you're going to say that, tell me what. you're doing to try to figure it out. >> M. not spend that much, spend less. I don't know. Maybe start a. clothing brand. >> It means nothing to me. Why? You keep. talking about this clothes thing, buddy. You spent. >> I love clothes. I love fashion. It's my. thing. >> That's great. You spend hours going to. school for that. Why school? Shut the. Yeah, well that would have been a better.

degree even though it's still a overly. competitive degree. But it's so stupid. what you did. Listen, >> I know. >> this you went out to eat $500. Miscellaneous was almost $800. It's not just clothes. >> It's food. >> So part of it live at home, >> huh? Food is a lot cuz on top of having. my bed tending job, I also work with my. friend and we do native gardening. So I. also. >> That takes time. How much time?

>> Like a week or month? >> A month? I don't know. A week. Sure. >> A week maybe. Like we do 16 hours. >> And what do you make from that? >> She pays me 30 the hour. >> Okay. So what's your account from that. on a monthly basis? >> Um what? 400 m maybe like 500 600 extra. a month. >> What the is this? The is this?

You live home with your parents. You have this credit line with the bank. and it pulls from the credit line when. you're overdrafting. and then you have to pay an additional. 17.9% interest rate on it and you have a. balance of 3,000. 3,000 on your overdraft balance. What is wrong with you? You're smirking. You think you're cute. You're not. You're overlining your lipstick and it. doesn't even look good.

>> It's fine. This is not cute. >> Okay, >> you're just sitting there laughing like. this is a joke. Heeha, you have a 3,000 Shut the You have a. 3,000 hour overdraft. balance. >> Yes. >> What the. >> I'm just a girl. I don't know. I. >> really That's what you say. >> Literate. Yes. >> That's not financial literacy. I know,

but. >> you're overdrafting into a loan. That's. not financial literacy. No, we all know. nothing. No, no, no, no, no, no. If you. if you get hit by not having enough. money in your checking account, we all. know that is bad. That is not financial. literacy. If you get penalized for not. having enough money in your checking. account, we all know not having enough. money in your checking account is bad. If you get penalized for not having. enough money in your checking account. because you're sweating all the time, we. know that is bad. If a loan is going up, we know that it's bad. That is not. financial literacy. Everyone knows that. Weing know that. If you know a debt goes.

up that is bad. In fact, you were crying. about $6,000 student loans. You you know. this is bad. It is $3,000. >> Then what the are you doing? Why are you. allowing yourself overdraft? Huh? >> I'm being positive about it. >> You shouldn't be. You can't be. You need. to be realistic. Your manifesting is. only going higher. Your What the are you talking about? Your debt is only going up. Your. overdrafting is only going up cuz you. can't stop spending like a animal.

>> It's a minimal payment. It does it on. its own. I haven't used overdraft. >> Yes. What? Yes. >> I don't When? >> The first of last month. >> First of last month. The first of last. month. It's a normal overdraft. >> So just another overdraft on top of the. overdraft. >> Yes. that gets added to your little. overdraft loan account, which I've never. even seen before, by the way. Congratulations on making financial a. history of something so horrible and.

disgusting. That is not cute. You're. going to piss me off and I'm going to. kick you the off. I'm going to kick you. the off if you keep trying to be cute. You're not being cute. You're being an. obnoxious. >> Oh my god. >> Saying thanks. Saying thanks when I say. you are very clearly bad and it is the. first time I've ever seen it that. something that bad. That is not cute. Stop trying to look cute. It's not. funny. No one's giving you high fives in. the comments. Shut the up. >> I know. What do you want me to do?

>> Shut the up. >> Fine. >> Septum piercing obnoxious mother. You are not cute. You are not funny. You. have a $3,000 overdraft alone. It is a. joke. It is disgusting. You live at. parents. You've done nothing. You have a. worthless degree. You have nothing going. for you. And yes, this is bad. Yes, this. is bad. And I'm not going to baby you. and cuddle you and let you think that. this is just okay. This is not okay.

This is the complete opposite of okay. It is disgusting. And you should be. ashamed. You should be embarrassed. And. you should be doing everything in your. life to try to turn this around for the. sake of your own life. And the fact that. you're not and you're not disgusted is. embarrassing and sad. >> Why is it embarrassing? How are you. embarrassed seeing? >> Oh, guys. Oh, I don't want to I don't. want to have a crash out episode. >> You don't feel embarrassed that you have. an overdraft alone.

Something that's never happened in this. show and that you just say thanks when I. say you've made history. >> People don't know about it or either. they're basiling. four of these a week for three years. I. have their statements. Well, >> they don't need to know about it. >> I know they don't cuz then they probably. would use it like I did. >> Dude, I don't even know what the to do. with you. I don't know. You You're lost. Is this even worth my time? >> Yes. >> Why? >> Because I want to pay everything off. I.

want to know what I. >> Then why are you sitting there acting. like you're cute and funny when you're. not? >> What do you mean? I'm. >> What do I mean? Have you seen. >> respectful? >> You said I'm not going to go. What's. wrong with saying thanks? >> Come on. Cuz you know what I was saying. was objectively you are in a bad place. You're saying thanks. That is going to. piss me the off real quick. >> Okay, I'll take it back. >> Oh my gosh. Yeah. No.

You and your boyfriend both, huh? You. and your boyfriend both both like this. >> No. >> Yeah. You're going to be the ones making. kids somehow. >> No. No kids for me. Thanks. >> Trust me. You'lling accidentally. No, thank you. Nope. Don't say that. >> And how are his finances? >> What? >> How are his finances? >> They're fine. >> Doubt it. >> No, they are. >> You think you're not that bad? >> Yeah. What do you think your financial. score is? 0 to 10.

>> Zero being the worst, 10 being the best. >> Like a three. >> Chino studies. No one ever do it. They. all become morons. You are the uh. >> is it a three? >> I'll calculate it at the end. I don't. know your finances. Okay, Jake, tell me. to look at that account. I don't know. I. go in blind with the audience. Oh, >> okay. >> Sake, dude. If you want your financial. score, go to calebar.com or click that. link in the description below. It's a. free assessment and you can see where. you stand in the world of finances. And.

if you don't want to end up like a guest. on the show, make sure you download our. app, the Dollar Wise budgeting app, take. your free trial, sign up for the annual. version. I'll send you our cookbook. signed in mailed directly to your door. And if you want to take all of our. educational programs, join in Dollar. Central and you get them all for 80%. off, including the premium version of. our app. It is the best bang for your. buck. Go to dollar.com. Click that link. below. Caleb.com/apply to be on this. show. Okay. Oh, just looking at you pisses me off.

Oh, I I I don't like when I feel this. way. I'm I'm sorry, audience. I'm sorry, audience. Why don't I like it? Or why do. I feel it? >> Why do you feel that? cuz you can I hate. you. >> What even is this? I don't even know. what to name this account. What is this? >> Uh, school first FCU. >> Oh, yeah. There's a credit card, but. then my. >> How long does this take to pay off? Well, here here. >> the number one YouTube membership just. got upgraded. And for this month only,

you can join for free. Three exclusive. shows every day, Monday through Friday. Financial audit post shows, exclusive. and uncensored financial audit episodes. Our call-in show, Hammer It Out, >> then take the train, >> and brand new shows, Fat and Fatter. >> That is wild. >> That one is. >> I would go off brand. >> behind the audit. >> What? >> This was wild. >> Hammer versus internet.

And now upgrading from one live stream a. week to two. No other channel offers. what Hammer Elite provides. Join with. the link in the pinned comment or. description below. Submit proof of. purchase at hammer elite.com and we'll. reimburse you for the first month with a. $10 digital gift card that can be spent. anywhere in most countries. Sorry, North. Korea. This one isn't for you. Yeah, this is how we have to do a free trial. on here because the platform doesn't.

currently offer free trials. >> It's okay. It's worth it. >> Yeah, it is. >> Join Hammer Elite, the best membership. on YouTube today for free. >> You owe $1,430. Cardinal Lion $1,500. Great shocker. Minimum monthly payment $69. Okay. Yeah, you made $83 of purchases and 17. or $17.70 of interest. Balance only went.

up. We're borderline at the limit. Only. $1,430.80, which for credit cards isn't the. highest. But just that alone, which is. actually bad for you, by the way, but. just that alone, how long does it take. to pay off minimum monthly payments. without making any purchases? How long? >> How long, big lady? >> 300. >> 300 what? >> Dollars. Are you giving me a math question?

>> Chino. studies. >> I don't do math. >> It's not math. I asked how long. >> Oh, thought you said how much. >> How long? That would probably take me. like. >> No, no, no, no. Pause. Pause. To clear. To be clear, you thought I asked how. much does it take to pay off $1,300. $1,400 and you said $300. >> a month. >> $300. >> If I if I paid $300 a month. >> Yeah, that would pay it off in a certain. amount of time. So would your minimum.

monthly payment of $69. So would $250. So 251 and two and three and four. I. What? That's such I don't get that. answer. Okay. Yeah. Time. How many. years? >> The minimum. No purchases, minimum. monthly pay payments only. >> 10 years. >> 8 years. You find that acceptable? You. still living with mommy and daddy at 40? >> No. >> But you probably will. You have no hope. of surviving on your own. >> Unless I start creating things. >> What are you going to create?

>> I just told you other than pain and. misery for men in front of you. >> Brand clothes. >> Look at you. I What are you doing? I. don't know what's so fashionable. >> Look at you. >> I'm not trying to make clothes. >> Well, that Okay. See? No, I don't. >> Well, that's where my mind is at. I. think that's what I want to do. But I. don't want to spend more money if I. don't have money. So that's why I don't. want to start something. I can't start. if I don't have money. But then I think I can make more money. with clothing like dumb.

>> because Okay, but cho studies, there's a. cho culture in LA. The clothing like. fashion culture over there is really big. for the chos as well. And I think I would be really good in. that. But again, I don't have money. So. I'm trying to like. >> cuz you spent it all. I. >> know how to make nachos in the. microwave. I've learned more than you. did your entire four-year degree. >> It's fine. But I just there's a lot of history.

>> and history is great, but no offense, it. doesn't really land jobs. >> I know. >> We go to college to better our career. >> It was easy. >> You can get history from. >> I think that's why I was easy. >> Huh. >> It was easy. It was easy. Well, no. That's a [ __ ] degree. That's a. [ __ ] degree. >> I guess it's just for myself more than. >> No, instead of actually for yourself and. bettering your life. Yeah. >> I got scared. I didn't want to do. psychology. I thought I thought I. wouldn't do well. >> You said you had to do psychology. >> I wanted to, but then I chickened out. and I did too. >> There are other options. >> Yeah,

>> there are other options. And please. don't believe in myself. That's all. >> Well, fair enough based on this. >> Yes. See, I'm trying to change. >> Not trying to be mean, but I mean, look. at you again. Have done nothing but. failed. I'm not going to sugar coat it. If I'm. going to let you think you've been. successful, I'm going to harm you. That's harming you. >> Okay? >> You have been a failure. You are a. failure. You can turn it around and I. hope you do. But to think that this is. anything other than a failure would be. doing you a disservice. >> Yeah. Well, thanks for being honest. >> Well, I'm nothing but.

interesting. I don't know. Crazy. Ker. What's Ker $60? Kaiser. Kaiser. What's. Kaiser? Kaiser health. Okay. >> I had to do a checkup. >> Okay. Make sure you didn't get AIDS from. all the needles. >> What? Why would I get that? >> No. >> Oh, there's more. >> Taste tea. Tasty. >> Oh, yeah. That's That's a tea place.

>> And that is more important than every. movie now. >> I didn't need to get that. It was too. >> You did plus many things. Oh, the fact. that it's too sugary. Huh? Yeah, I should have bought the things I. bought. I'm just so confused. >> Who's buying your style? You look like. you just walked out of Hot Topic. I'm so. confused. >> Yes. I'm so confused. What? >> Yes. Or or or Spencer's. I don't know. Like, I don't know what you're selling. >> Well, I'm not selling anything yet. I. just have to make it. >> Guys, if you want to look like her, go.

to go to Dom has a terrible Go to dom. has terrible fashion.com. Tom terrible. fashion.com and we'll set you up to look. like her. >> Not terrible. >> Tom looks like hottopic.com. >> Dom looks like hottopic.com. >> H. >> better. >> Better what? >> Better than hot topic. >> You look like the people that walk in. and out of there. I'm not going to lie. >> You also look like the people I'm. avoiding that are walking in and out of. there. Not going to lie. >> Well, it's good I don't go to the malls. anymore. >> You also look like you smell of dank. >> Not today. So, have you put in any real.

work into this business, this big. ambition, this entrepreneurial spirit? Please tell me about your real work. >> What do you mean my job that I have. right now? >> Oh, >> don't get mad. I get confused. I feel. like we're talking about a lot of things. at once. >> Confusing? I just asked you a question. It was just. >> Tell me about your work. >> Oh, to do this. Your business, your. entrepreneurial. I literally said your. business, your entrepreneurialness. I've. been um asking chat GBT a lot of. questions.

>> and it's been helping me. >> I have a sewing machine but I don't use. it. I bought a desk to use my sewing. machine but I haven't used a desk or the. sewing machine. >> I'm lazy. >> It's hard. >> That's the first That's the first actual. reality thing you said. >> What do you do there? work out. >> Okay. You're you're incredibly specific. You are just You are. >> I think those are the only things I have.

going. >> You paid $2,000 last year for tattoo. What tattoo alone? For sake, dude. You. could You could have paid off this. credit card and more and more. >> I did pay some of my credit cards off. They're higher. >> No, you just replace them just like on. this card. You just replace them. >> You justing replace them. That is a lie. Nordstrom, you shouldn't be seen near a. Nordstrom. That is way too expensive for. you. You can't live alone. Why date this. guy? You should break up with this guy.

He's a failure. He's a failure and he. should break up with you cuz you're a. failure. You guys are holding each other. back in life. You enable each other to. live at home instead of ever pushing. yourselves next steps. >> No. >> Yes. >> No. >> Go ahead. Explain. >> So, explain. >> We're individual people. We have two. individual failures. >> Decisions. I don't know. >> Decisions to be failures. Okay. You both. are living at home at 30 and you will. move out. >> You just said that's not a bad thing. >> It's not necessarily a bad thing, but. when you base it off of what has led to.

it and what they're doing while they're. there, Yeah. you're a failure. >> That's a feel like I'm being mean, but I. I really don't like people like you. I. just to be candid. >> It's fine. >> Like you guys just hold us back as like. a society. >> How? >> Look at everything you're doing. You're. trying to be cutesy and you think it's. fun and you get a worthless degree and. you're just you're going to milk the. system eventually and you're going to. cry about it and it's just like.

you just hold back everything. This. sucks. You purchase $63 on here, $13823. of interest acred. >> You owe $5,49545. >> What's the limit on this? I think it's seven. >> Yeah, you have about a 100 bucks you can. spend on it. You have about 100 bucks. you can spend on it. >> What is the limit? >> I'm sure you'll do. >> I think it went up. >> 5,600. >> It went up to 700.

>> How long does this take to pay? Well, >> not going to use it. >> [ __ ] Look, you've used both cards. to bring them up. Bullsh both both. [ __ ] How long does this take to pay. off? Minimum payments only. No, >> like 13 years. >> 17. We're going to be looking at mid. I'm not going to take that long though. >> Yes, you would. No, you're gonna take. longer cuz you purchased. You don't want. to. Yeah. All you do is purchase. That. makes no sense. What' you say that you. want? >> Eat. >> Huh? >> Are you telling me that?

>> Huh? >> I shouldn't eat cuz all my money I spend. at food, >> dude. $300 of groceries and you'd be. perfectly fine. And you live at home. already. >> a month. >> Yes, we we we proved it. $250. And you. can use our budget friendly cookbook. Okay. We will give you one. That would. help. >> Yes, that'll help. But you actually have. to meal prep and do I will. >> No, you won't. >> I need it. >> Yes, you do. But you won't. Listen. Oh, this is what's. >> You don't believe in me. >> No, I don't because look at your. history. This is what And you can prove. it by coming on the followup channel. But this this is this is this is this is.

what. >> I'm going to prove you wrong. >> Then you're going to hate me more. >> This is what pisses me off about you. You say what you want, but then. everything you do literally only does. the opposite and takes you further away. from it. Your words mean nothing. Nothing. I can't trust anything you say. Your words mean nothing. Your actions. are so beyond counter what you say you. want. >> Are you calling me a liar? >> I ain't calling you a truther. >> Yes.

>> Well, I'm learning not to be a liar. >> How do you learn not to be a liar? Just. don't be a liar. What the [ __ ] are you. talking about? >> It's not about being honest. It's about. your actions. your actions are. completely opposite of what you say you. want. And what you say you want just to. flex the conversation so you can stop. getting push back in the thing I'm. calling you out about and you're like, "Well, I want to fix that." That's is. what someone says in this conversation. when they're obviously doing the. opposite. When they want me to back off. from calling them out on that specific. topic, if you actually wanted to not do.

the thing I'm calling you out on, you. wouldn't do it. >> Well, I'll stop doing it. Hey guys. always ask me, Caleb, what do you invest. in? And honestly, I keep it pretty. boring. Take a look at this. Take a look. at this. This is my investments right. here. And this is why you got to follow. me on Blossom if you want to see just. that. A couple weeks back, I stumbled. upon this social investing app called. Blossom and thought, "All right, let's.

give it a try." And it turns out it's. actually really cool. And to be clear, they're not a brokerage. Blossom is a. completely free social media platform. They're not your typical investing app. It's social, meaning you can follow. exactly what I'm investing in, and you. can check out my portfolio in real time. and even discuss strategies with me and. other investors. There's no guessing. games, just clear transparency. So, if. you're curious about how I'm investing. or just want to get smarter with your. money, download Blossom right now. And. you can follow me at Caleb Hammer. I'll.

be sharing my exact portfolio breakdown, investing tips, even responding to your. questions. It's totally free, super. simple, and way more fun than just. guessing stocks alone. So, hit that link. below, join me on Blossom, and let's. grow our money together. Seriously, right now, you can actually see what my. portfolio looks like today. >> I'll be I'm being. >> There it is. There it is. But that's. >> because I'm I'm done being a failure. >> Okay. >> Doubt. >> I believe in me. >> Based on. >> What do you mean? >> Based on what? You've accomplished.

nothing. Not one time in your life have. you accomplished something significant. Did you just fart? >> No. Your leather chairs. My nails. >> We don't have leather chairs. >> What do you mean? It's leather here. >> No, it's not. >> Or whatever this is. I wouldn't fart on. your show. Okay. >> I think you just free. >> Huh? >> What? >> Oh, you're going to end up in the O of. Python, aren't you? You totally are. This is where people like you go out. there in LA. That freaks me out.

>> Oh, well, please don't even consider it. >> I won't. >> You're going in here. Jersey mics. More. Kaiser RX. >> medicine. Two lay fees this year so far. >> Where? >> Shut the up. I told you. >> You. >> I forgot to put the auto pay. >> It's on Nordstrom. >> Really? >> Yes. >> Oh, yeah. I don't I didn't have auto pay.

on that one either. >> No. Every time someone says this at the. beginning, I know for a fact. I know for. a fact at this point if I see a military. person they're on disability for the. rest of their life, no matter what. If I. see someone that says they are they have. never missed a payment, they definitely. have. These are the two 100% truths in. financial audit, guys. And no matter. what someone will say, that's why I'm. here. And you already did like five. minutes in. $700 of interest acured this year so. far. What a joke. Over 30% interest.

What a joke. Two late payments this year. so far. 6 months in. What a joke. 5. months in at the statement. >> Five bucks. >> Five months in at the time of this. statement. >> That's no good. >> Show me a picture of him. >> Who? >> The boyfriend. The one we've talked. about. >> Why? >> Cuz I'm going to judge him. >> No. >> Well, he's not going to be on camera, but pull him out. If you want to wear weird. leopard prints, go to dom's. leopardprints ornasty.com.

Oh yeah, this guy's aing. failure. If I've seen a wannabe travel. musician, oh yeah, this guy's never going to. provide. What a joke. This dude looks like he's. from Sublime in the 1990s. This dude's injecting heroin twice a. day. >> That's insane. No, >> this guy will never be able to afford. anything. He is an emo weird. >> LA freak of nature combined with.

different constructions of the human. body. This guy. Gooding. luck, man. Good. You guys are never Oh, that is the largest largest septum. piercing I've ever seen in my life. Oh, you guys are perfect for each other. Please never reproduce. Whoa. It goes down to his like. who would play him in a movie.

>> Who would play him? >> Why are you looking somebody up? >> No, I'm looking up a picture of the. person he's playing. Cuz we don't show people without their. consent on camera if that's ever made it. through. It was a technical accident. that was fixed immediately. What does he look like on camera? What? Who would play him? >> Oh my god, I want to see. I found the perfect actor.

>> What is going on here? Breakfast. >> What? No. >> That's what it looks like. And we love. the Down syndrome, man. We love the Down. Syndrome. We're not critical of the Down. Syndrome at all. They're the nicest. people you've ever met. We love the Down. Syndrome. We love the Down Syndrome. >> Good. >> Big fans of the Down Syndrome here and. the autistics. Give them all. We won't.

do eugenics. Bring them in. We love them. here. >> Financial Audit is big supportive of. >> any and all. people. What the was that minimum on the. Nordstrom card? See, look at every I get. extra Goon, guys. I get extra Goon. whenever they put a creature in front of. me. This isn't my fault that I'm like. this. It's her fault, >> which means it's Lindsay's fault. Lindsay, it's your fault that I'm being. a degenerate right now.

>> And Colton's fault and Jake's fault. >> The besties. >> and Jordan's fault. $194. Nordstrom, I. don't know how you can afford these. minimum monthly payments. They're. stacking. They're stacking. They're. stacking. They're stacking. And I hear. that you blamed it when you had a produ. call with the producers. You blamed it. on, oh, I have such a problem always. wanting to treat people. You're blowing. money on yourself on there and you won't. even make your payments on time. Like, shut up. It is not you being a good. person. >> I like buying gifts for people.

>> Cool. That is not what got you into that. debt. That is not what is maintaining. that debt. So, when you use that weird. deflection, it is [ __ ]. >> It is [ __ ] Also, you guys are never. going to move in together. >> Well, it's fine. >> He makes no money. You're You're both. going to live with your parents forever. Are you okay with that? >> Yes. >> Then what are we doing? What goals do. you have? What am you have? What can I. help with? Cuz I know I'm beating up a. bit and it's fun. >> Newer. and I want to what? I'm letting you know my dreams.

>> Yes, please tell. Please tell. >> Yeah, >> just tell your dreams. Let's see if I. can help you get there. Cuz again, again, I know we're beating her up. We're having fun. We're giving some good. roasts and you know and I actually I. legitimately was very pissed off earlier. as you guys can probably tell but it. happens. I am only human. Uh but you. know thank you for consenting to all. that. But even with that let's see if I. can help you get to your goal. What is. your goal? What are your dreams? Your. aspirations. >> to have my own brand. But that also again it involves money.

and I want to be out of debt so I can. make that happen. And I don't know how. long that's going to take, but I want to. pay it as like. >> you want to have your own brand. And. what's your brand, lady? >> Clothing brand. Either gym clothes. >> Oh, no one else is doing that. We. haven't had literally five other guests. in the show's history wanting to do. that. >> Gym clothes? Really? >> Yes. That's a wear. Well, it's I want it.

to be I want it to be. I haven't seen, but there's not a cho. one. >> Great. You'll cater to five people. >> Latinas. Yes. >> More than Yeah, but Latinos will. probably just go by Lululemon. >> Lululemon. >> and Fablettics. Like they'll probably go. brands that exist that are good, >> but this brand could be good, you know. >> All right, guys. Fine. >> Street, you know, all the stuff. >> I will allow it. I will allow it for.

this one time only. I will allow the. plug, guys. If you want to see her. brand, go to dom definitely has a brand. and a down syndromeboyfriend.com. and you can get access to all of her. clothing today. Why the what? Wait, what. is this? Sharper way. This looks like. the Best Buy card, but it's not. >> That's a Sears one. >> You have a Sears card? >> I know it still exists. >> Wa. We're in the 80s right now. What are. you getting? >> Yeah, that one. >> No. No. What are you getting? Like, I'm. so curious. What the even get on a Sears.

card? >> Random stuff, I guess. >> Okay. It started with the jewelry stand. They're like, "You can get so and so off. if you open a credit card." I was like, "Okay." Then I. >> Oh, they're so good at getting you. Now. you owe four $5,6181. They're good at getting you cuz you. don't have a single ounce of maturity. You want to be an entrepreneurial living. at home, but you've never accomplished. anything in your life? Good luck. I hope. you do. >> Well, where do I start? >> One, get an idea that's unique. I. guarantee you there's a thousand Latina.

athletic brands out there. I guarantee. you. >> Okay. >> Okay. >> Okay. >> So, do something no one's ever done. Let's use Let's just use my example. Let's Let's stroke stroke my ego real. quick. Okay. Let's have a little little. ego stroke. Um I don't even know what. that was. Uh. >> when I write music. >> Mhm. >> and you know, I was able to make a. living off a composer. Very rare thing. It's really cool. I wanted to write a. piece of music that I wanted to hear. that no one else heard. >> Mhm. When I thought about making. content, I made a show that I wanted to.

watch but didn't exist yet. So, I made. financial audit. That's how you have to. think about it. What market is not being. served or if there is a market that is. being served? What can you do so. substantially better in such a unique. way that it will surpass those other. brands? >> Those are the two ways you essentially. have to go about it. That's is the most. simple, easy version. Guarantee there's. like 50 Latino athletic wares and you're. not going to get there. I'm sorry. Like, you'll have some friends and family.

support it, but this is not. revolutionary enough to get you there. Or you haven't told me what is going to. be so beyond industry changing that no. one else is doing that you're bringing. to that. Do you have that answer? >> No. >> See, you're like, no offense to 90% of. the entrepreneurs, and I'm glad we have. an entrepreneurial culture, and I'm glad. I want you to risk things. I want you to. lose, lose, lose until you find the. thing that wins. That is not a bad. thing. What is so bad is everyone talks. about. what they want to do, then they sit on. it forever, then they imagine it, they.

dream about it, and they never do it, and then you just live at home. Yes, exactly. That is just you. >> So, they're trying to get out of doing. that. But I guess it's just trying. trying new things. >> I want you to pursue a career and if. something hits you and you're able to. research it properly, then maybe we can. start a business on the side. Never go. full in. I'm very blessed. The audience. is amazing. I got super lucky that this. took off pretty quick. But even still, I. had to work my job many months before I,

you know, went full into this. And I was. not willing to just quit my job and. start this cuz who knows? This wasn't. even started as a career. Of course, I. hoped I could make money off of it. I. was hoping it would be a little extra. money. Then I was like, "Oh, I made a. little extra money. Hopefully, I can. make full-time off of this. Oh, I can. make full-time with this. Maybe I can. build a business. Oh, I built a. business. It's really cool." But don't. never start with that's where I'm going. to be. Let me quit everything and go. there cuz that's too risky. Plus, you. have so much debt. Listen, there's. Latina lifters. ers, Diosa, Fit, Zfit, TCO, Rare Fit, Soul Work, Ferusa.

Athletics, JZ ZD, Carvas, Latina, Port De Bras, Charlie, the Mexico version. Those are. the top 10 Latina owned and focused. athletic brands. >> I never heard of any one of them. >> And yet, they're probably selling and. making money, whereas you wouldn't. >> Yeah. Off the bat, again, you might make. some supplemental income, but that's a. hobby. That's a hobby. And a hobby is. okay. Hobby is not something that I'm.

going to look down on. But I just don't. want you to jump into this and think I. don't want you to just sit stagnant as. you have the last 12 years of your life. thinking that eventually I'm going to do. this thing and it's going to be. successful. >> You're never going to get anywhere with. that. >> Yeah. >> And that's just real. And I'm sorry. And. I'll give you, of course, career. certification. If you want to go into a. different career field so you can make. more money, it's great. Our audience. uses them. I would have if they um if I. knew about them before I did all this, but. >> that would help.

>> Okay. So, this credit card's stupid. Of. course, $5,618. 19 years to pay off. Yeah, you'll be 50. >> 50. Pay it faster than that. >> Yes, but you do nothing to do that. In. fact, all you've done is purchase and. acrew interest. Your credit card balance. went down just a few bucks. It's so. insignificant. The minimum monthly. payment is $21. So, you wouldn't even be. able to move out even if you wanted to. And what is it? Uber one. >> That is what you have on here. A. reoccurring subscription.

>> Oh, yeah. >> $750 basically rounded in interest lost. this year alone on this card. What? We're well over,000 goes to,500. on both of these on all three of these. together. >> That's substantial for you. >> I know. >> It's at a 33.24%. interest rate. That's how they get me. >> No, no, no. You got yourself because you. have a lack of maturity. You're not able. to say no. You're not able to recognize. you're not a credit card person. So. maybe I shouldn't take advantage of a. tool that I'm incapable of taking.

advantage of cuz all it does is damage. me. >> Yeah. >> Yeah. >> But I don't cancel that one. >> You call and you close it. You call and. you close it. You call and you close it. What's crazy? >> Nothing. I thought I did when I took it. off from the PayPal. and now I went to another card. >> Taking it from a tap pay you think. closes the card. Come on. >> Well, not the card. The Uber payment or.

the charge. >> You probably had a backup payment. You. probably had a backup payment on the. account. >> Well, I learned just cancel the. subscription instead of. >> I tried on the app. >> On the Uber app? >> Let me on the Uber app. >> Oh, no. What happened is I don't have. access to my Yahoo email and then I. can't. >> pull out your phone. >> What? >> Pull out your phone. >> for that Yahoo one. >> Just pull out your phone. >> Okay. 1X.

>> Give. >> But you need my passcode. >> Open. Oh, you little tit. >> Oh, this phone's horrible. What did you. do? You've dropped it so many times. I. need to get a new screen protector. >> No, you need a new screen. This This. sticker. >> You can't protect this anymore. Oh, that's this. Okay, good. >> Cuz my sticker. >> I just can't find the other ones. >> What am I Why isn't your Uber one. subscription on here? Why. >> I don't know what Uber One is?

>> Oh, what are these memberships you've. had? Sculpt, Lively, Home AI, Photo. Leap, Micro Factor, Meal Q, TV Remote. You have iCloud Plus right now, which is. >> I have a lot of photos. >> What happened? How did I take it off? >> Huh? >> What'd you do? >> Nothing, cuz it wasn't in there. I. thought it may have been in there. >> That's what I mean. I don't know what. Uber one is. >> Okay. Care Credit. >> Oh, yeah. >> 3 Oh, yeah. Okay. $3,590.34.

Of course, there's interest. It's. $84.57, $121 minimum monthly payment, 15 years. to pay this one off. What is going on. with this card? >> What? >> Oh, okay. Interest this year so far, $538. So, what are we at? Like $2,000. now to 26.99%. What's going on with this? >> The Care Credit is well, supposed to be. for.

health and vet stuff. I have dogs. >> and. >> and I use them on my dogs. How often do. you have dog insurance? >> No. >> Why? >> Cuz I heard that's a scam. >> It's not if you get good ones. It's. safely tens of thousands. >> Which one should I get, >> Brandon? Which one should she get? >> Spot pretz. Spots. >> Really? >> Spot pets pretty good. >> Lemonade's pretty good. >> There's some good ones out there. >> Cuz I have a big dog and he sometimes he. gets hurt. If he has all these X things. before that you've had to taken care of,

he may not qualify or he might not. qualify for much or your payment might. be absolutely insane. Also, tell us the. real reason you got the big bill. >> Which big bill on this one? I know. I've. been using it. I think. >> your dog ate your roommates's magic. mushrooms. >> Oh yeah, my wiener dog. Yeah, that's my. other dog. Yeah, that one was like 900. or almost a thousand. Yeah. >> The [ __ ] is wrong with you? >> It was me. It was her my roommate's. boyfriend's fault. >> Like, listen, if you can't afford to. have dogs, even while living in a home,

you just can't have dogs cuz it's not. fair to the dogs. >> I know it's not, but one of them was. pushed on me. >> Pushed on you? Tell me. >> It was my brother's dog, and he moved. down with his girlfriend, had a kid, can't take the big dog to the apartment. So, I stepped in. For. >> sake, what is this card? >> What is that? >> What is I'm asking. What is it? >> What is that? >> What is it? >> I don't know. Oh my. What is the account? It doesn't have any. branding. >> What is this? >> Yeah. What do you see at the bottom, by. the way? You. >> Oh, smile.

>> Yeah. What do you see at the bottom? >> It's for my wisdom teeth. >> What's highlighted? >> But to avoid paying a cured interest. >> Oh, what's highlighted? Come on. >> [ __ ]. >> The late fee. Why is there fly? >> What was it? >> The late fee. >> The person who never has late fees. >> Yeah, it's cuz I didn't put autopay. I. keep forgetting about the late fee. >> I know. I forgot. forgot. >> So, because you got a late fee because. you forgot you actually never had a late. fee. Is that the mathematical equation? >> No, I just forget that I get late fees. if I don't add auto pay. But majority of.

all my stuff is auto pay. >> So, to be extra clear, a late fee. because I forgot about the payment. equals I've never had late fees. That's. the mathematical equation. >> Yes. >> Okay. >> To kind of make sense, but yeah. >> What is it called again? Smile. >> Yeah. My dentist offers it and I got my. wisdom pulled out. >> So, I like to tell you guys exactly what. I'm doing with my own money, my own. investing and things like that. And a. lot of you know that I was investing in. an app called Mumu for a while. That's.

where I was doing my brokerage trades. But honestly, I decided I kind of wanted. to move on from the over complexity. because it should just be simple, honestly. So, I decided to search far. and wide for a new partner to work with. to move my portfolio over and to trade. out of in a consistent basis. And I. picked Weeble because they have a great. reputation online. So, I got with them. and I was like, "Okay, I'm going to. switch my stuff over." And a lot of. people in the audience, maybe they want. to switch their stuff over as well. because they kind of like to follow what. I do when I put my money places. So, we.

worked with them and we negotiated some. incredible signup benefits and transfer. benefits if you decide to use Weeble. It. is incredible. It is such an upgrade of. a platform and I wish I did this a year. ago or so and I feel dumb that I didn't. So, here it is right here in the. description. You can see you get a $200. to $30,000 cash bonus when you sign up. or transfer. Also, 12 months a Wall. Street Journal premium, a 3.5 IRA match,

and 30 days of Weeble premium. So, listen, this is such an upgrade. I feel. like an idiot again that I haven't done. this forever ago. That's where I moved. and I think that's where you should move. as well. Check it out. top of the. resources section in the description. below. Yeah, interest acrewing 41. What? >> I didn't want to go to Mexico again. because I went to Mexico for my other. wisdom teeth. >> Oh, for. >> it was like 150. It was cheap. >> $1,196. Just hold on here. Interest is acrewing. $41. $48 minimum monthly payment. 7. years to pay off. Why do this for seven.

years? >> I'm not going to do it for seven years. >> Yeah, except that's exactly. >> I think the interest rate starts after. 12 months. >> It is interesting right now. What are. you talking about? >> Really? That's what they said. >> Willie. Yes. >> Where? >> Well, let me see that actually. Sorry. Maybe that was fees. I apologize. Yeah, that was the late fee. That was the late. fee. Guys, uh reminder, I'm going to pay. this off earlier. How am I doing that? By paying late and getting extra. charges. Please make that make sense. And you're right. It is interest free.

for now. Shut the It was an accident, which is why we've had three this year. >> Those are accidents. I just going. >> You're broken. You're never going to get. anywhere. I'm so sorry. I know I'm being. rude, but it's true. But I just got. true. I don't give a. >> I should have. It's true. In about a year, the interest. will acrewue. >> Unless they pay it off within the year. >> Oh, good. You're not going to cuz you're. late. Shut the [ __ ] up. I don't know how. you've survived this so far. That's your. That's life. Interest is acrewing like mad.

PayPal credit. Yes. >> What's going on with this. >> clothes. or shoes? >> Oh, clothes. Not closed. [ __ ] Okay. 1,000. $94. and.7. And on here, you're just getting. Chewy. And Chewy's Chewy can be. expensive depending on what you're. getting. What are you getting on Chewy? 80. >> My dog food. It's a 40 lb bag of dog.

food. >> What is this? Deferred. Named. What is. named? named collective. Oh, >> I don't know. It was $153.35. >> Yeah, it was a sweater. >> Come on. So, do we want to get out of. debt or are we getting sweaters? Cuz so. far it just seems sweaters and [ __ ]. Listen, $240 of purchases on here when. you nearly made $150 payment. Minimum. monthly is 33. Like, it says this takes. seven years to pay off. Some of these. are deferred interest, but also interest.

is already acrewing, so clearly some. from the past aren't. $2367. Uh, some are 28, some are crewing at 30. This one's at 30. The one that's live. Uh, that expires that expires in a. couple months. You're not You're never. going to Yeah, dude. I don't know. This. is a mess. >> That expires. >> and it's. one of them. One of your deferreds. You. have deferreds and obviously you never. pay them off until and before the. deferred interest hits. You never do.

that. How do I know? Cuz interest hits. You have interest hitting constantly. 140 bucks in interest this year so far. Pay power credit's dangerous for you to. have cuz it's so easy to just finance. things. Speaking of dangerous for you to. have a firm. >> Yeah. >> What are you doing? >> Clothes. Lashify. >> Pull out your affirm. No, this is. Amazon. This is Amazon right here. Pull. out your affirm. >> Let me see. I don't think I have the. app.

>> So, you just go on the website. >> Um, yeah. Why should I have the app? >> No. Pull up your Amazon app, though. Who. knows what you owe on a firm right now? >> Hold on. Let me see. I can log in really fast. >> 157. I'm going to call it $157 with a. $78 minimum monthly balance. Minim. monthly payment. Pull up your Amazon. >> Bam. Give me. >> pull up your Amazon. Pull up your. Amazon. >> Oh my gosh. >> Lady, listen. I'm moving the show along. Move up your Amazon. G. Just give. Just.

give. I can do it. >> I can pull up apps. Pull the mic to your face. Okay. You moved your face to the mic, but that's okay. >> What? >> Uh, Naked Essentials dry food. for dogs. You already get shif chewies. There's more dog food. Amazon fresh. store. 11 things in the cart. Sake. >> What are they? >> Uh protein smoothie. Protein things. Necklace. >> More of those.

interesting Netflixes. Sectional couch. covers. >> Coffee. >> Mugs. We really need We really need a. back massager. Awesome. Like my. daughter. Are you a mother? >> No, that's for my dad. But I didn't buy. it. Couch cushion covers. Couch cushion. covers. A heat press machine. No. No. Don't do it. Don't invest into this. business. Don't invest into this. business yet. You're not there. You're. not there. Do not invest into this.

Please don't. Please. Okay. >> Not yet. >> Not yet. Yes. Exactly. Not yet. You just. have so much debt. What the is this? What app is this? What is fashion and. doll in Nike? Is it Clara? >> Yeah, I think so. Good. What? >> Huh? >> What? >> I'm just laughing cuz Oh my god, >> it's a lot. >> And you think it's cute?

>> It's not. >> Okay, Clara, you'll be clinging Door. Dash before you know it. Trust me. $674.3. It's your balance with a minimum payment. >> Door Dash. >> of $274.39. and then interest is hitting of course. >> Really? There's interest in that? >> Yes. >> What? >> Welcome to how they make money. >> What do you mean? >> What I mean? >> Yeah, but that's 36 cents.

>> Yeah, but there's interest. If you were. paying interest instead of. >> Yeah, but it's 36 cents. >> You're going to live at home forever. >> Literally forever. >> It's fine. >> Ulta beauty card. It's fine. Exactly. I. don't know why the I'm talking to you. now. >> What's wrong? You just said there's. nothing wrong with that and then now. you're saying there's something wrong. with that. >> Context. Context. A lot of other. cultures do it, but you're only doing it. because you want to just spend. But you. do. You spend way more than you make. That is objectively true. >> Okay. >> So, what the talking about? So, you can.

build your business, your make believe. business that you've never done. So, you. can do a worthless degree. my family, my. parents. >> You can do that without leaving a home. and having independence and making. progress in your life. >> But when I was trying to do that and got. >> LA is a big city. You can live in a lot. of Yes. Because you can't manage. finances. Because you're incapable of. maturity. Because you're incapable of. maturity. >> I'm not educated in it. >> No. No. Listen, I'll put you through our. budgeting program. I'll get you in. Dollar Central where you get all of our. classes, including all future classes. Okay? It saves 80% for these guys, but.

you get it for free. So take all our. budgeting class, investing class, debt. class, real estate class, recession. class, everything you can do and take. advantage of the budgeting app. That'll. actually teach you. If we're going to. use the I was uneducated, >> I'll get educated. >> If we're going to use that, you can get. educated, but that is also stupid. You. can you can figure out rent. You can figure out rent, dude. You. didn't go into debt because you lived on. your own. You went into debt because.

you're incapable of acting mature and. telling yourself no. >> Yeah. >> Interest is acrewing on here. You owe. $233.79. with a minimum monthly payment of $30. Interest is acrewing. Takes 9 months to. pay off. It's at a 31.24% interest rate. What a joke. >> 9 months. Yes, >> I could pay that off. >> and use your for stupid loans.

>> No, you couldn't. You overdraft every. second of life. And this is this is this. brings us back to the beginning of the. conversation. >> It's not you living on your own is what. got you into debt. You're still. overdrafting now. You're going further. into debt via overdrafting because you. have an overdraft loan. >> That is soing. stupid. Do you hear that? Overdraft. loan. I shouldn't be saying those words. That is your immaturity and inability to. control your spending or maturity.

This is so stupid. Okay. Overdraft loan. >> Yes. >> Wait, no. We start with a personal loan. There's a personal loan. Why do you have. a personal loan of $7,942? >> Cuz I took it out to pay my other loans. >> What loans? >> I mean, not my loans, my debt. But then. so. >> the credit cards. >> here it is ladies and gentlemen. Why you should never do that? Are you. kidding me? You did it before. Change.

your behavior and now we're right back. where we were. Except we have double the. debt now. That's so moronic. >> Do you want to know something else? >> Honestly, no. >> Okay, cool. Cuz what probably pissed you. off even more. >> What? I got a personal loan before that. was 10K too and I paid it off and then. few months after I think or six months. another one. >> Why do you do the things that you do? $287. minimum monthly payment and 82.

When did you take this out? This balance. is substantial. The interest rate is. horrendous at 16 and the payment is. horrible and it's stacking monumentally. When did I take it out for I think. February. >> I don't even trust you. Whatever. >> $90 payment is due on the overdraft fee. That one's sitting at $2,98.81.

So ridiculous. With an interest rate of. 18%. 18%. Horrible overdraft. You've overdraft up. to 4,000 $3,000. I would be embarrassed. I would be. disgusted. I am in fact disgusted. >> It could be worse. >> Shut the up. Barely. Barely. And just. because it's worse doesn't mean it. should be good. You think that's okay?

You It's not okay. Then why would you. say it could be worse? What's the point. of saying that? What's the point of. saying that? Can you tell me feel. better? >> There it is. So you can sleep at night. when honestly you should be working and. paying off debt and stressing about it. >> You shouldn't sleep. >> I'm not saying that. Like you're just. saying that it's a cope and then you're. never making any progress cuz you tell. yourself that and then you're okay. You're not okay. And you shouldn't be. okay. You shouldn't be telling yourself. you're okay. You're not okay. You're a. mess. You're disaster. You're a joke. And you should be taking every nuclear.

option necessary to pay off this debt. >> Okay. What? not eat or eat less or not eat out and. not buy stuff. >> We've already been through that. Shut. the Shut up. >> I'm not talking I'm not talking you. through that. I've already answered that. question. Okay. >> I'm not wasting my time in vocal cords. and breath and oxygen on that dumb. Stop. >> That's fine. >> Great. You have a Volkswagen Beetle. >> Yes, she's cute. You owe.

$7,46326. >> Minimum monthly payment 305. What is the. interest? Do you know the interest? Would you know the interest? >> No, I don't. >> Do you actually not know? >> I don't. >> You really don't know? >> Oh, we don't know the interest rate. either. So, I'm guessing it's not good. cuz you don't have credit. What do you. think the worth is? What do you think. it's worth? >> The interest rate.

>> The car. >> Oh, >> interest rates aren't worth something. >> How much it's worth now? Well, where I. bought it? >> It's the car. How much do you think it's. worth. >> now? Like 13,000? >> Yes. Now. >> 13,000. and I bought it for 17. >> You owe $7,463. and you think it's worth 13,000? It. >> is worth 7,500. >> Technically, it is worth what you owe. I. don't know what the interest rate is. probably more like. >> it's probably horrendous and I don't.

need to know, but it's probably. horrendous. Listen, this isn't the. absolute worst, but for stacking up. against all your other debt, it's. stupid. And I bet the interest rate. actually makes actually does make it. absolutely horrible. >> Yeah, >> this is sad. I It's fine. It's fine. I'm. just I'm very disappointed in this. conversation. I'm very disappointed in. this conversation. Why? >> Push through.

And here we arrived to the student loans. for the. >> special degree. >> Yes. >> Okay. So, listen. The 8,000 $8,81340. It's not I don't want to use the it's. not the worst cuz that's what you guys. use for your detriment. But that's. Listen, $40,000 is the median. That's. the average student loans that people.

graduate with, right? And 40% of people. who borrow for student loans drop out. At least you graduated. You finished it. Easy degree. It helps. But you did do. it. And we do like to see that. Um and. student loans is lower. And again, they're actually all below 4% interest. rates. So, I'm not freaking out about. these, but what was your payment? >> My pay? I Sorry. I. >> Lady, >> I got scared. >> The court you got scared? >> Yeah, cuz you're going to be like, "Another late payment?".

>> What's your payment on this? >> $87. >> And that sounds close to about minimum. Yeah. >> Yeah. Okay. I mean, I don't know. You. didn't send me a statement of your. account. You just sent me a screenshot. of what? >> You sent me a screenshot of the website. So, I can't see your payment history. I. can't see if you've had late payments. >> No, you were being honest with you. >> You So, you were lying at the beginning. >> I thought you were. >> Were you actually lying at the. beginning? >> I said you called liars. I was lying,

but I didn't know I was lying until. >> we came through it. >> That's so moronic. >> I forget. >> Late pen. They'll garnish your wages. >> I forgot. >> They'll garnish. >> Do you remember there was a pause? Yes. >> Yes. And in the pond. >> the bus. year and a half ago. >> I forgot about it. >> It's been a year and a stupid. >> So I had to pay I think like 262 because. of that.

>> Good. You deserve it. >> Yeah. And I did pay it. But. >> when was the last time you were late to. your own knowledge? >> Um last month. >> You entitled spoiled. brat. Come on. The way you live your life, why you go shut the up. You go and you. spend all this money on clothes and food. and [ __ ] [ __ ] [ __ ]. [ __ ] And then you don't make your.

$87 student loan payment because you. refuse to put it on an automatic. payment. >> What a brat. >> And your parents support this. They. enable you by allowing you to stay. there. They should kick you out. They. should kick you out. >> Well, they won't. >> They should kick you out. If they loved. you, they'd kick you out. >> They won't. Where am I going to go? >> That's on you to figure out. It's time. to grow the up. Listen, this is No. No. No. No. No. Shut. You did not try. You. don't know what trying is. Shut up. My.

vocal cords hurt. Shut up. Listen. You've never tried. You don't know what. trying is. They should kick you out so. you can figure it out. They're enabling. you by allowing you to stay there. >> Wait, what? Do I live with my little. beetle? >> Sure, if you have to, cuz you'll figure. it the out. You don't make insignificant. money for LA. Yes, it's on the lower. end, but there are roommates. There are. roommates. In fact, you have a. significant other for 2 years. >> Shut up. >> Why would I want roommates if it family? >> No, no, no. I'm okay with you wanting to. be with family. They're allowing you to.

put your life on hold and act like a. little brat forever. They should kick. you out for you so you can figure out or. die trying. You're never gonna make. progress in life. And this is clear as. No. No, you're not. Shut up. I hate I. hate talking to you. >> You're so annoying. >> You're an actual annoying person. And it's not cute. >> That's fine. >> You're disgusting. >> That's fine. >> No, you're disgusting. You are.

disgusting. >> No, I'm not. >> Yes, you legitimately are. >> The way you live the way you live your. life is disgusting. >> No. Yes. >> No. >> You selling out money. Liquor market. Who would have thought sandwiches? Shut. the I don't give a about anything you. have to say. >> I don't care anymore. I do not care. about anything you have to say anymore. >> Okay. >> There's not a single thing you could say. that I give a [ __ ] about at this point. You leech off your parents. You leech.

off the system. And you do nothing. >> The system. How do I leech off the system? not. paying your student loan. >> But I just told you I made a big payment. because of that. >> Made a big payment and then miss our. last month. >> Now I'm. >> Shut the then and then PayPal out. Nordstrom. Yeah, let's go to Nordstrom. but not pay our student loans. Oh, guess. what? This Nordstrom this Nordstrom one. is worth two of our student loan. payments. Two and a half. DJ Maxx State. Bro, Jersey Mike's Cream Coffee Shop. beverages and more. Scent Bird Yard.

House Cream Coffee Shop. Villains. Yeah, you're the villain in my art today. Statebro refair.com. renaissance fair Amazon. PayPal. withdraw zel chick fresca's green bliss. cafe zan out money who knows where $200. z money who knows where $18. Target you. barely go. >> shut up PayPal nect the juice bar Amazon.

your Girl, State Bro, School First. Yeah, there's. that. Target, TJ Maxx, Basket, Taco, Paper Rice, Star Cone. But these are the. people that want to beg for money, saying life is hard. Ladies and. gentlemen, I'm giving up. This This is. going to make me turn into This show is. going to make me turn into a old boomer. I swear, man. Just people like you. People like you are just such a leech on. society. Venmo ice cream. Venmo, La.

Chicas, Fresca, you're using your. degree, zelling out money, Starbucks, Amazon, Fresh, Toys LLC, $51, Apple Cash. $7, $726. Oh, that's for buying something. Certino. or something. At least that was based. there. No, Apple Cash. Certino is where. Apple's based. I don't know. Crispy. Cream. What a joke. What aing joke, man. It's.

all food. >> Shut up. I don't want to hear you. I. just don't want to hear you. $292 in our retirement at 30. You are the person who blows all the. money, goes into debt, gets enabled. their entire life, refuses to sacrifice, put anything away for retirement, and. then it comes retirement time. And then. you cry. You cry that there's no money. for you. You cry that people aren't. paying enough taxes so that you can have.

more money when you have done nothing. your entire life and you've been enabled. and you've just been a spoiled brat and. you did nothing to prepare for your. future. So other people have to put. their future building slower in order to. give you more money. >> Disgusting money. >> When you come and beg at retirement. saying you don't have enough. Give me. give me please give me give me. Yes you. will. Let me make it out all of this. All of this. I could do it with your budget plan.

>> Shut the up. I'm sorry. >> I am determined. >> You think I'm lying, but I'm not. I'm. being serious. I know everyone says that. when they come here, but I'm being. serious. >> I'll prove you wrong. >> All right, let's see if we can even make. you a budget. I'm going to attempt, ladies and gentlemen, for you something. can get someone can get something out of. this episode. Certainly not me. Pain and. misery. Sorry, I'm being negative. Total. income, what is it? 4,500 on a monthly.

basis. >> Yeah, >> not counting that other [ __ ]. honestly. Not even setting money aside for taxes. We didn't even get to talk about that. And there's no point of it cuz you. wouldn't anyway. Yeah, you know you're. not paying taxes on your contract. income, right? >> What has happened? Ladies and gentlemen, I'm scared. She brought her. >> evil nature in here. >> My ancestors are here. >> Yeah. And if you embarrass No, you.

embarrass them and they're trying to. punish. >> I mean, alone. Your minimum payments. nothing beneficial except your student. loans except not because of your choices. are $1,819.17. What a what? That's so horrible. That's. 40% of your income because of your. spending. Because if you're. undisiplined, because you just want to. spoil yourself and be bougie and all. this stuff and get worthless degrees. because of that, 40% of your income goes.

to debt. Yeah, you're right. You can. move out now all because of your. choices. So now you forced yourself to live there. and they should still kick you out and. force you to go through bankruptcy so. you can learn something. Your rent's $2. Your rent's $250. >> Mhm. >> Okay. That includes utilities, internet, all that stuff, right? How does the. grocery situation work at the household? >> I buy out. >> Lady, we are so close to the end. Please. do noting. >> Or my mom. >> Please grow some intelligence. How do.

groceries work at the household? >> I buy groceries. My mom buys groceries. >> Okay. So, you don't have to buy all the. groceries? >> No. >> I'm going to give you $200 foring. groceries. >> A thanks. >> $100 for tea. If you find anything else. you need to survive, I'm going to give. you $20. $25 for subscriptions. You. figure out where it goes. Pet insurance. Good luck. Not with those things. Pet. food. >> Pet food. >> It's 80 bucks. It's a lot. My dog is. like 85 lbs.

>> Car insurance. >> Um, every 3 months it's 450. >> every 3 months. Surprised you can afford that bill when. it happens, but 150 a month. Gas. >> Gas. month. 40 a week maybe. >> 120. >> Yeah. >> Phone bill. >> Phone bill is 50. >> That's not horrible. Healthcare co-pays, anything?

>> Um, from Kaiser? It's like $8 a month. >> Okay. And then how often do you go in? >> Not that often. >> Okay, we'll do that. Anything else that. needs to be in your budget? Gym. >> Yeah, gym. How much? 30 a month. Anything. else that needs to be in your budget? >> Nope. That's cast and food. That's gym. >> Nope. Nope. Nope. Nope. >> Nope. Dog food. Gosh. >> Is it going through the mall again? What. are you doing?

>> What else? >> You okay over there? >> Yeah. I'm just thinking. >> You're making noises. >> I know. I'm thinking. Yeah. Uh, when you're you're fine. Put in. rent. That would be a little difficult, but you actually could with the. roommates. $2,832.17. or boyfriend. Except we know he doesn't. make money. I'm going to call him in the. post show, by the way. >> I'm calling him in the post show. I. don't give a He doesn't work. I'm going. to call him in the post show.

>> No, >> his work is playing on his little guitar. and pretending he's making money. >> What's his side stuff? $1,667. going to minus your student loans. from the $46,2204. uh at the current rate if you actually. budget which I honestly don't think you. will cuz you're stuck in I don't know I. hope you do I hope you do takes 22. months so 2 years. >> that's not bad that is worth it takes. less than two years to get a fully funed. emergency fund let's call it two and a.

half years total pay off debt get a. fully funed emergency fund move the out. become an adult. >> fashion brand can be a thing. I'm going to give her a Hammer financial. score. But guys, remember this month. only, Hammer Elite, the best YouTube. membership on the platform is free. All. you have to do, subscribe below and then. submit proof of purchase at. hammerite.com. We will reimburse you. with a gift card that can be spent. anywhere and in most countries. Join us. for the post show for this. Join Hammer. Elite. Spending in a budget, your hammer.

financial score is you overspent 0 out. of 10. DAP, this is pretty much as worse. as you can get besides collection. Actually that overdraft I'm considering. that basically collections are 0 out of. 10. Never seen anything like that in my. life. It's ridiculous. Emergency fund. absolutely nothing. 0 out of 10. Retirement barely 1 out of 10. Real. estate 0 out of 10. Hammer financial. score rounded up just to be generous. 5. out of 10. We're going to call the. boyfriend and talk about other juicy. information in the post show. Join it. for free. Join it for free. See you in. the post show. Bye. You're coming on.

this show. You think you could go to. Vegas world? [ __ ] your family. >> No. Listen, I've been listening for an. hour and a half. What have I taken away. from this? >> You're really screwing yourself over for. the future. It seems like this overdraft. loan 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.