She Deserves Jail | Financial Audit

but I wanted the money cuz I was going. to buy a van with it and then I did and. then I lost the van you understand it. was for school right it was to invest in. your education you were going to use it. to buy a van yes and then what happened. and then I lost the van I'm going to my. name is Gia I'm 25 years old I'm from. Sacramento California and this is. financial audit you're 25 yeah why do I. look younger no it's not about looks. it's about what's in front of me and. everything I've learned about before. you're too young for this I am yeah it.

kind of started when I was 20 I got into. a hole a hole is an understatement my. dude I'm sorry I usually I have some. pleasantries and everything but it's is. hearing your age right there really I. was just regardless of looks or anything. I was just hoping well I don't know what. I would cuz I wouldn't want anyone in. this situation I just. think immediately throwing your life. away too young but okay it's okay okay. well I don't think I'm that young let's. be real know I know but it just it just.

hurts someone in their 20s it would hurt. any decade so I guess I don't know why. that age stuck out to me just something. just in my heart I'm. like. because your finances are a mess there's. not a crazy amount of documents your. finances are a mess your life is a mess. it's a true mess and I need this to be. the conversation that changes your life. around because from everything I've. learned about you before this show from. everything from our producers and.

everything I I'm I'm legitimately scared. for you and this is like a this needs to. be a desperate desperate attempt at a. wakeup call for you because I am sorry. you're kind of everything up yeah and. you're living off of begging for money. on Twitter yeah Twitter and desperately. holding on to a husband that's. technically not even an ex at this point. but is not together and it's sending you.

money I'm going I'm going to take that. as a cop laugh I'm going to take that as. a cop laugh because like this is no way. to live and more than that and this is. the one that just. stabs knife through my. heart you're homeless right now living. in your car barely got the repairs. necessary to come out here and you. really wanted to come out here so you. did it and then you drove through the. north from the. Northwest yeah and still continue to.

drive it cuz I have to do door Dash door. Dash door Dash that's how I make my. money kind of except for the ebegging on. Twitter yeah yeah taking money from the. husband yeah yeah uh yeah. yeah well I mean the husband's situation. is kind of like if feel like we're kind. of together kind of not he like I don't. live with him he lives in Pennsylvania. and I don't want to move to Pennsylvania. Pennsylvania.

Pennsylvania and so uh he wants me to. move back and be together but I don't. really want to I'm trying to find a. state where I can like stay like I don't. want to be in my car forever but like my. end goal is to go back to Kansas and. live in. Kansas but I can't do that yet so to be. clear you're married but you do not want. to be with your husband yes oh happy. Valentine's Day by the way Caleb.

thank you you're welcome thank you it's. also my birthday is it happy. birthday super exciting uh birthday wish. for me honestly is to make you a little. less U homeless um would be preferred uh. if I have one birthday. wish uh okay but again with your husband. but you don't want to be with your. husband yeah are you using him for money. I'll be flat out because he sends you.

money he sends me money now but like. I've been with him for a while he only. just started working so the money just. started coming in cool I don't I mean. you waited for him to work in to start. taking money from someone that you're. not even with but you're technically. married to when did you guys get married. 2018 uh what the so what's going on with. this whole thing with the marriage uh so. I kind of took care of him for 4 years. and uh cuz we lived in Kansas City and I. was getting money in Kansas Kanas City.

and so I was kind of taking care of him. cuz he didn't want to work and I was. working I was doing Amazon at the time. and so I feel like me taking the money. from him now is what like you know. recovering from taking care of him but I. just I can't take care of a Manchild why. are you guys together why are you guys. together I liked him at one point liked. him at one points and then I like why. the are you guys still together right. now I'm not a marriage counselor but. like why the cuz he has all my things he.

has all my things and he will throw my. things away if I like you get divorced. that's toxic as that's that's why I. don't want to be with him that's. borderline abusive yeah cuz I had a I. had a minivan and I went and visited him. like a few months ago and I lost the. minivan cuz I got in an accident and so. all of my possessions were in this van I. had to bring them into his house so now. I'm like working towards getting back to. Pennsylvania to get my things so I can. move on with my life okay um so what are.

you going to do when he's not giving you. money well what I want to do is find a. job around. here like around Austin what is this. you're so confusing you are all over the. place you're like okay right now I'm in. the Northwest I want to live back in. Kansas let me get a job in Austin well I. can't live in Kansas why cuz I have a. warrant what the hey the war what the. why guys it's a new year and you need to. make your money work for you you can do.

exactly what I literally do right now. and put my money in the best high yield. savings account soofi I get a 4.6% yield. on my money and I also took advantage of. the bonus of up to $250 when I signed up. you can start 2024 off Amazing by doing. the same by going to the link in the. description below why sorry failure to. appear in court so they got me one time. and I went to jail for four days got you. for what uh failure to appear huh. failure to appear this is when I'm still.

living in Kansas yeah what what did you. need to appear for oh uh cuz I was. driving on a suspended license and so I. got two tickets for that cuz he caught. me leaving so he got me again leaving. cuz Okay so I got pulled over by the. highway patrol and he was like you can't. leave you can't move this car your tags. are bad and your license is bad so. you're going to figure out something and. I don't know people in Kansas I then I. was on my way to school so I sat there. for 20 minutes thinking he left I hopped.

on the freeway he followed me and I. stopped again he gave me another ticket. girl what the fu dude and then why. didn't you go to. court I don't know why I don't know why. I didn't go to. court uh have you done a responsible. thing in your life just flat out I mean. just through everything I've looked at. and through everything you've said so. far we're only a few minutes into this. kill me have you ever done a responsible. thing in your life like who am I dealing. with here just graduating high school. count sure going to college count well.

did you complete college no okay what. did you go to school for uh Film. Production mhm mm and how long did you. go to school about a year uhhuh right I. mean I dropped out but I dropped out for. reasons that I thought were pretty. strategic I was starting to make more. money and I was just like I'm not going. to spend time in here you know well I. dropped out cuz I had to leave Kansas. for the warrant yeah why didn't you just. do with it cuz I don't want to go to. jail for 2 months I don't want to go to. jail for 2 months did did you at least.

first of all they said minimum 1 month. and I had six counts who said minimum. one month theud judge okay so you. wow can step a foot in Kansas and that's. a risky move for you. yeah but I really want to go back I love. Kansas I don't think I've I don't think. anyone's ever said that in their life I. love Kansas why I just love the PLS I. love Farmland I love.

the people Iowa no it's full of corn I. don't I want that's what I thought. Kansas was no no no no Kansas is just. flat completely flat you could see into. the distance there's like really not. really many like uh like corn it's just. like fields and like. sunflowers right then just do two months. in jail I'm working on that what go on. what do you mean I want to get my things. together first before I go back to can.

so then I can like drop my car off. somewhere turn myself in and just deal. with it but then by the time I get out. all my things will be fixed and I'll. have my car. still cuz I need to fix my license. situation you need to fix a lot okay so. we we've gone down tangents already and. this is like we haven't gotone first of. all okay for someone who's homeless. sometimes sometimes there's Choice. things sometimes there's addiction. sometimes there's mental health things. so I need to make very clear going off. the gate do you do you deal with any.

kind of. addictions I smoke we does that. count. potentially potentially it really. depends on the individual a lot of. people you know they can just use it Rec. recreationally like alcohol and not have. an issue but of course just like. anything some people can become. dependent and we're seeing that more and. more these days than before um and you. do smell like so but I I don't think. well would you associate your. homelessness with that I'm assuming no. yeah I wouldn't think so either no uh so.

I had like an interest in doing van life. but since I have this car I'm just doing. like car camping and I figured I can. just do is it that or because you can't. afford to live I mean you're not doing. anything you're begging on Twitter for. money yeah it's kind of both I like I. can't justify paying $1,400 a month for. rent when I can take you want to live in. your car I want to live in my van I. don't like this car that I have now.

but if I had a minivan again how are you. going to afford that you don't do. anything you drive door Dash here and. there uh total income that came in that. we saw was $144 and it was through cash. app how the do you get a van how the do. you get a place to live you're living. like a child okay so no no no no no then. I need to ask the next question just to. make sure that it's not for any reasons. that are beyond your control at this. point do you have any major mental. health issues.

that is preventing you from like working. like some people like like when I get a. job I have panic attacks at like work. not so much the work aspect but like I. don't I'll wake up one morning and be. like do I really want to go and then. I'll start freaking out and I just okay. so anxiety okay. well that can hurt with a job and I deal. with that myself personally so I can. relate to that um that's typically not. the mental health that we're talking.

about when it comes. to homelessness you you know usually. we're talking about major schizophrenia. or there's a lot of other things but. anxiety itself yes that can be very. difficult with a job and hopefully a job. is understanding not every job will be. and of course have you seen therapist. for that when I was younger okay well. yeah that's something that you know. whether it's potential medication or. therapy or whatever that's something. that obviously I would want you to deal. with but would you associate again that. with your homelessness.

no my homelessness is basically just me. taking risk risk you're. not doing anything what I was when I was. in Portland what about now okay well now. I just got to Texas I've been door. dashing since I got here wait you live. here no I don't live here I just got. here like two days no no no no no no. this last month $144 came in and it was. Cash app only you're not doing anything. oh okay so that was when I was in. California and I tried what are you oh I.

I live my family lives in California so. I was staying with my mom at the time. and I was applying for jobs out there. and I wasn't getting anything back and. door dash out there sucks so I can't why. the Market's over saturated like I'll go. online I won't get a single order do you. not understand where you're at in at 25. and just how bad this is we I know we. haven't put numbers to the screen for. people yet but I guess yeah we should. start going through things cuz I I have.

more insight into your situation than. they do and they need to know give. yourself a financial score 0 to 10 two. it's zero I'll say that. now yeah not not something I'd laugh at. but just going to assume it's a cop. laugh collections two things late. payments of 30 Days Seven late payments. of 30 days older than the last year. seven yeah I had a bunch of credit card. accounts always paid as agreed. 36% that's just being a child pay your. bills why aren't your bills paid because.

I don't have money because because I. don't work yeah so you're being a child. maybe I don't know I feel like I'm doing. fine I'm happier in life I don't give a. you're happy you're not paying your. bills of course I give a you're happy. but that's not what I mean in this. context it's you're not paying your. bills that's not that's not everything I. pay some bills like my phone my phone's. important I'd say all your bills are. important you're literally like choosing. not to okay.

whatever what's your credit score like. two last time I checked I think it was. like utilizations at 162% what the I. haven't touched CU I maxed out all my. credit cards and I haven't touched like. anything of it cuz I had an X and his. mom was telling me well if you wait 7. years it will fall. off yeah it'll fall off your credit so. she was like you know just kind of leave. it alone yeah for how long have you been. it's been 2 years now Okay so 5 years so.

you don't plan to take advantage of. credit in any way whatsoever what if. your car breaks what if you need a. borrow to get a car you don't have any. money you you won't be able to get a car. I don't want to finance a car what money. do you have that will get you a car and. you literally only live in a car your. only income stream is in a car what do. you do if the car breaks you already put. money into the car because you wanted to. get here so like what. the if it breaks I have people around. that could help like what mechanics uh. here yeah in Texas that you know yeah.

and they'll do it for free yeah okay. what really yeah I don't know man I'm. very good at networking very good at. taking advantage of people's kindness no. networking I'm not going to do it. completely for free it's more like what. do you mean you have we haven't gotten. there yet spoiler alert negative. money ha I make some things with door. Dash and I would offer to like pay them. like you know. not pay them but like buy them food no.

but what if what ever happens to your. car isn't just a small little thing what. if it's a major repair what if it's a. thing that costs a lot of money so. you're expecting someone else to pay for. it for you through buying the thing. buying whatever is necessary and then. doing the labor I buy it with what money. the money that people give. me joke to you no your life is not a. joke right now you're playing it like. it's a sad joke but it is not you're. going to regret this mindset and.

everything you're in all these choices. all this crap I feel like I'm still. young enough to make mistakes so that's. the thing I feel the mistakes you're. doing now are drastically holding you. back in the future you're kicking the. down the road you can't take advantage. of any credit if you need to because. you've just ruined everything you're. also being irresponsible and immoral by. not taking care of the bills that you. chose and sign a contract to take out. and also for any sense of retirement or. existing in the future you're literally.

just being you're just giving up the. best decade of for compound growth in. your life and at this point you're. probably going to give up your second. best day and potentially third because. you're just kicking the can down the. road and your mindset is so terrible. that this isn't a quick overnight change. this isn't something like Oh I'm a. responsible adult I have a place to live. I'm actually working a job and. contributing to a 401k that's not. something that just happens overnight so. honestly this just changing by the end. of your 20s I don't see it changing in. your 30s this is a lifestyle that you're. comfortable with you're happy so because.

of this happiness you feel content and. you're okay with it and you're literally. just going to die in poverty and that's. unacceptable to me that's beyond. unacceptable at least I'm out and about. it's not like I'm sitting around doing. nothing like I've gone to 12 different. states last year in my. car like I travel around like I'm not. cool you travel what the does that have. to do with anything I just said that I. have money like how do you how can I.

travel without money because you're. ebegging and door Dash $91 in. collections they're $97 dude these. things are things that we could take. care of in like a second these are. things we could take care of in a second. $90. $90 this is such an immature. stup. oh oh the choices you're making are just. beyond.

$90 you know what I could use $90 for. gas and. food I mean $90 is a lot to me exactly. to you because you're not working $90. right here it's not an insignificant. amount of money don't get me wrong but. if $90 is a make or break for life that. shows that the life you're living is. unacceptable maybe I'm not saying $90. isn't a lot of money it is if you go. spend $90 at a restaurant that's a lot.

of money but if it's literally your. survival comes down to. $90 another collection $67 644 okay now. that's a lot that's that's not something. that's like okay we could just do that. 228 same with that. 397 secured loan there's I don't know. what the there's no balance reported. balance these are all 2020 you just gave. up in 2020 3,2 22 this was when I had a.

bunch of credit cards cuz I had uh I had. opened a few credit cards when I was uh. 21 so your strategy then was to live. your like lazy lifestyle of just not. giving a because your content based off. our credit cards okay and then you could. no longer do that cuz you Max them out. and you had to let them go and now no. one's going to give you credit so now. your new thing is begging from the. husband that you don't even like and. don't even want to see and want to leave. we'll see if he sees us and then um. the ebegging off of Twitter and then.

running door Das if you have to but you. didn't even do it in that last month and. not to mention the actual sad fact and. we're not going to talk much about her. but the sad fact is you have a daughter. yeah I need to know just for safety. where does she live with my mother and. the mom your mom takes care of her yeah. tries to yeah oh come on you can't give. any shame to that you're living in your. car and choosing not to. work okay but she lives in a hotel. better than a car has child service has.

been involved cuz they might no I pray. that that's not going to be okay she's. about to move into an apartment soon so. good okay good cuz it is not fair for. someone that did not have the choice to. be brought in this world to. be your choices are disgusting to be. very clear your choices are disgusting. when it involves someone that you are. morally responsible to take care of you. are choosing to be happy and content. making nothing and EEG that are taking. care of your responsibility well I've.

tried I've tried when I lived in Kansas. I had a house I had a job my mom she's. just this a whole no no no no no do not. blame this on your mom you chose not to. have your registration updated and your. license updated then you chose not to. deal with the consequences and then you. had to flee Kansas you didn't even have. to you could have dealt with the. consequences but you chose to F before. this was before all this happened tell. me then cuz this like licensing only. just happened last year tell me. then tell you what you said this.

happened before what oh the license like. I wanted to take my daughter before all. of this happened like I was doing good. in Kansas what's good tell me what good. was I had my own apartment I had a job. and what happened and my mom still. wouldn't let me take her well I I mean. I'm only going to hear your side of it. but I mean there was likely a reason she. thinks I can't take care of her not. MoneyWise but like cuz my daughter's on. the.

Spectrum yeah and she just doesn't my. mom just doesn't trust me it's just well. even MoneyWise and Trust wise I at least. get it now just with the what you've. showed us demonstration wise I I gave up. yeah yeah this is this is the you have. given up beyond belief right is that. where we are now you've just given up in. life cuz that's what I'm seeing kind of. yeah sort of I want to find a job out. here but like I'm still be living in my.

car what work experience do you have. warehousing okay Amazon UPS uh Walmart. uh I've worked at a liquor store I've. worked at like a L's travel stop okay if. you show up and don't smell like have an. adequate resume which we could help you. with yes you could get a warehousing job. here pretty easily I think potentially I. don't like warehousing. though what I'll do it I'll do it for.

like a week or two and then it's like. you said you wanted a job we asked what. jobs you're good at you said that and. that's what your experience is so what. job do you want I want something around. like media and cameras like I was. supposed to be going to this film uh. this movie shoot in California like to. be a movie. extra and then that flopped but I'm. trying to do like photography or like. videography or something that's why I. went to school for Film Production oh.

good oh my gosh a woman can dream right. I think I'm really yeah but a woman. could also uh grow the up and put a roof. over her head and take care of her own. child I don't want a house Caleb a house. I don't roof doesn't make mean a house. house. apartment even the van dude if you. wanted to live in the van we could at. least do that but right now you're. living in a in a thing you hate that's. breaking down so it's called growing the.

up and then 2,250 education this is. student loans I just did those uh last. semester that's what mean you just did. them the loans I just applied for those. so I the financial aid and I got the why. you weren't in school were you I was was. online school in 2023 yeah for what Film. Production that was for film. yeah but I wanted the money cuz I was. going to buy a van with it and then I. did and then I lost the van you. understand it was for school right yeah.

it was to invest in your education you. were going to use it to buy a van yes. and then what happened and then I lost. the van I'm going to die I only had the. van for 2 months cuz you crashed it yeah. there was no insurance on it um no but. it's also it wasn't registered to me cuz. I just bought it and it was a Sal what. are you this is like the most. irresponsible everything I've ever heard. in my life how have you not learned your. lesson the van if that was the first. time that ever happened that's like. wouldn't excuse it but I mean that I.

would be like okay maybe she's just. ignorant to the system you got arrested. and needed to show up to court by not. having things properly registered and uh. or licensed and everything so you'd. think you'd learn I'm afraid that. through all this we can come up with. some kind of plan but you won't have. learned you're just immature or you just. don't give it you already told me you. gave up so I guess that's that I just. don't care I'm just kind of living life. one day at a time okay cool you've given. up right to be clear you've given up. right yeah okay so what's next then.

what's next in your life you've given up. so what now you're just done you're. going to die in a ditch is that what you. want no I want to continue traveling. around I'm going to Georgia after this. so you do care I care a little bit okay. and your priorities in caring is. traveling that's your. passion okay can we do that in a correct. way though because you could travel in a. much more secure way where your life's. not in danger through these things. breaking. down in a legally proper way in a.

financially healthy way how can I do. that if I have a job though cuz if I. have a job that I'm stuck in one place I. know I know it's called growing up and. taking a little bit of responsibility at. first if we do that we might have to. work a lot save up have a fully funded. emergency fund contribute to your. retirement take advantage of vacation. policies or take time off even if not. paid by saving up properly and doing. this in the correct way and then being. able to take that time to actually go.

travel you'll be traveling less but when. you travel it'll be in a more. responsible way and then in the future. if we get to a point where you're able. to just save up you're able to work and. work your way up through um different. career positions to where there's more. vacation time maybe even unlimited PTO. where you can really take the vacations. you want lots of jobs offer those um you. know that's an Avenue we can take but. also this traveling you're going to do. is going to be so limited it's going to. be so limited if you if you keep getting.

arrested if these things that you're. going is an illegal way if that car. breaks down you're not going to be able. to do it if you're not going to be able. to retire and you're literally um. uh gosh if you get to a point where. you're disabled or something like you. won't be able to travel if you don't. take care of yourself now in a. financially responsible way in a legally. responsible. way this is such you're you're just. getting the temporary high of the travel. I'm starting to get sick of it that's.

why I was like I kind of want to stay. around like Austin and get a job that's. completely contr contradicting. everything you just said I know it's I'm. I'm very ficked I'm very ficked I don't. like planning I'm very spontaneous yeah. but also I don't care what you like. there's a lot of things I like yeah that. I have to put my responsibilities over. because I live in this world and I'm an. adult and that comes with. responsibilities. so be a.

adult working sucks though I don't like. to. work so how am I supposed to make money. otherwise I do D do you remember when I. just said I don't give it you like it's. called being an adult or did that. somehow. just did that complicated airf flow but. if I don't like it then I'm not going to. stick with it that's the thing why they. told you the anxiety I panicked okay. okay then with that if it's a mental. health thing like that that's where I. need you to seek therapy mental health.

help take advantage of local resources I. need you to take advant crisis helplines. in those moments I need you to make sure. the workplace is fully aware I need you. to potentially talk to a psychiatrist or. potential medication you know it there's. different methods work for different. people I don't believe. medication all right well and therapy is. like kind of a waste of time for me I've. been through oh gosh what are you so. you've G yeah you really have given up.

cuz you just you won't do anything. what's the point of you know there's an. issue and there have there's methods. that have helped other people through. painstaking long processes including. myself if you're not willing to at least. give things a shot what's the point I. know you went through it with childhood. but that's that's different you're an. adult now you have the ability to make. more choices take advantage of different. resources and your communication style. is likely improved I don't know you're. kind of acting like a child here so. maybe not. but I mean I'm willing enough to get a.

job out here but I can't say I'm going. to keep it for a while then what's the. point a little bit of money is a little. bit of money I'm just thinking about. your longevity dude then we have more in. collections more in collections let's. even the point 246 here $400 here great. great what nothing just nothing dude I'm. sad this is. sad yeah. I'm working on it I mean if you walk.

away from this conversation with. anything it it'll probably be nothing at. this point hopefully people can get help. out. there this is I just don't think you're. going to walk with anything away with. anything because you're so closed off. and you've given up and you're immature. and you need to seek mental health help. that's what's going to happen but we'll. at least provide you our resources so. we'll give you access to our budgeting. program uh so it'll help which um by the. way at the time we're releasing this. video it's actually at a President's Day.

discount all the way through Monday so. take advantage of it it's at a big. discount all the way through the weekend. all the way through Monday I'll link in. the description below but you get it for. free cuz you're on the show so at least. take advantage of that maybe some. education will help but I mean you. dropped out a school immediately for. something you loved and you weren't you. didn't have a logical reason for. dropping out so it's like will you even. make it through a. program but you'll have access to it so. F I'll try my best try your best what.

does that even mean what even is your. best do you even. know uh maximum speed limits is what. your driving wheel license is canceled. suspended operating a vehicle without. registration failed the surrender. registration driving while license is. suspended I thought we already saw. that uh oh that's cuz it's a different. date vehicle operating without. registration again oh my gosh that was. the 28th and and then cuz I got two. tickets few months later earlier was.

maximum speed limit operating without. registration why didn't you go to get a. registration in between these least okay. so when I the car that I had it was. financed and I didn't pay it off so they. were holding my title in California so I. couldn't get it registered in that. Kansas that's not how that worked people. people I moved down here with a financed. car and it was registered the title was. in Michigan it was registered in. Michigan and then I I got it registered. in Texas and I got a license in Texas.

people move did you pay it off though no. you don't have to pay off a car to get. it registered in a new. state oh what what do you mean oh did. you not even just ask anyone ever. literally anyone who's ever moved does. this CU most people have their car. financed this is like one of the most. basic thing sorry I don't want to shame. you if you were like completely ignorant. to. it but also maybe I'll shame you a. little bit cuz that's the stupidest. thing I've ever heard so I can't decide.

it was some shady like car lot though so. it wasn't like a proper who's your Lan. through. though I don't know the car. lot I paid 3,000 up front and uh they. accepted my door Dash most places don't. accept door Dash as. a a form of income oh gosh gosh gosh. yeah your Hammer Financial score might. be negative at this point which isn't. even. possible you can get yours for free. Financial score in the link below by the. way it's pretty fun this is.

insane this case has been referred to. collections please contact the firm okay. so you still owe court fees you have. California court fees for what okay so. when I got this how does this continue. how is this still. H okay so when I had this car uh me and. my ex were going to the store to get. like a drink and I was turning and. California traffic is so bad I thought. someone was waving me to go through cuz.

I was trying to cut into the parking lot. and I turned and I got hit by a. probation officer oh my goodness the. dent is still in my car from the. probation officer and I didn't have. insurance what's the core fee for uh the. no. insurance right yo CT fees in. Pennsylvania too that was when I got. that's when I lost my van that was also. for no. insurance why are you here why are you. here. genuinely why are you here try and get.

some sort of like what do you mean I've. talked about a few things here and. you've been receptive than nothing. you've shut down you've given up what. can I do to actually help you I want you. to walk away with something and of. course you'll get our resources but. besides that what can I do right here to. help you shame me into doing something I. guess well I hope that is something that. actually helps you and not just a kink. because. like I need good this is this is. disgusting so if shame is what works for.

you and it works for some it works for. me these are the conversations that. would have helped me it wouldn't work. for some and that's why they're not on. the show which is okay look I'll go. apply to jobs after I leave here huh. I'll go apply to jobs after I leave here. self admitted you'll probably be there. for like a week or two but I'll try and. tough it out try no you won't because. trying requires if you know what your. mental health issue is for the job you. go. and get therapy and whatever whatever. sorry that was I'm genuinely.

upset are you feeling a bit dirty are. you a for index funds like me or maybe. you prefer BDSM bonds dividends. stocks mutual funds if that sounds like. you your Finance Daddy has only giving. you these exclusive designs through the. end of the month and then they go away.

and if it's not for you you can eat my. assets get your dirty money Shirts Mugs. posters stickers and sweatshirts Before. Time runs out at the end of this month. go to shop. calb hammer.com dirty or. click the link in the description below. you said you'd be willing us to show us. your living conditions and I I I need a. break from this right now because I'm. actually really devastated my brain and. heart aches and this is so let's let's. take a look at your of a mess so I. apolog I know you I mean you yeah I mean.

you told us yeah we may as well see. because it's and of course if you want. us to whatever I don't know I I I I. don't know you you brought it up as. something we could do so we may as well. do it and I guess it gives us more. context around your living situation and. it helps people out there to hopefully. avoid your situation but I don't want to. also put someone's thing on blast but. whatever let's take a. look this is my car it's kind of a mess. right now what was the thing that was.

broken that you had to get fixed oh I. don't have it fixed yet I had to get my. brakes fixed but I'm R I'm running on a. broken axle so when I turn you can hear. clicking and it shakes you're putting. your life at risk there's been many. instances of people who are from the. other side um women living in their cars. which have led to dangerous situations. in the past I'm a large woman all I'm. saying is your safety matters and I'm. scared for your safety I mean you're. driving with a broken axle this car is. about to fall apart but every way this.

is my home right. now I'm so scared for you I don't. know we have a cash app spending. [Music]. thing in there 240 came in 243. left so great more left in came in. you're also paying people for cash app. Jack in the Box I mean yeah actually. that's a good question so we we know how.

you sleep and how you live and I guess. you probably bathe at plantet Fitness or. friends houses yeah how do you. eat. uh kind like McDonald's Jack in the Box. I just bought a camping stove but that's. in Pennsylvania cuz I wanted to start. like going to Walmart and buying like. why is it in Pennsylvania cuz that's. where all my stuff is cuz I that's where. I lost my van there's also the health. aspect and I'm dealing with this myself. but like McDonald's forever meal well I. don't eat a whole lot I haven't really.

eaten since I like got here I went to. waterburger one time and that was. probably about it it's been like three. or 4. days okay I don't want to go down that. Rabel hole but the reason for that Jack. box is when I was staying with my mom at. the hotel the Jack box is the only thing. around in the parking lot so I'd go and. I would get like tacos or. like cuz there's no kitchen at the hotel. I can't cook okay check in the box.

Twitter pay fee someone sent you $43 so. who are your simps who are these simps. no no no no no that's my ad. Revenue I'm monetized on. Twitter how many followers do you have. 2200 how am I not monetized what the am. I have you tried applying for it you can. just apply for it no I think you need to. meet a certain threshold you met those. thresholds yeah you just need 5 million. impressions 500. followers something else I had 34.

million impressions at one point so they. kind of like why how uh reply guy what I. just reply guy like I just replyed a big. account and so with the check mark it. boosts you up so people like you know he. played the system $43 isn't going to I. know visible visible that's my fil. service yeah yeah yeah yeah Jack in the. Box again and Zinga like gems and. [ __ ] we're paying for phone apps.

instead of a roof over our head that's a. joke that's a joke I don't know what. that's from cuz I don't play with phone. app come on Z's a mobile game app but. how much I spend company well that was. $2.99 but you brought in $30 or whatever. so no that's for my Google my Google one. subscription to like have storage for my. Google s though Jack in the Box RNA. Enterprises RNA Enterprises uh CMS vend.

oh yeah that's the vending machine at. the. hotel oh drink water from the Jack in. the Box uh oh sorry I went up no no yeah. there is another Jack in the Box anyway. and there's the vending machine vending. machine so why aren't you with your mom. in the hotel anymore she doesn't want me. there why what happens when you guys are. together we fight all the time she's a. very toxic person that's why I don't I. can't be around can't be in California. in general something tells me you only. put blame on other people because that's.

all I've ever heard from anything you've. ever said no I promise you and anyone. that knows me can like attest to this my. mom is just not a good person I've been. doing some serious reflection on where I. want to take myself this year like many. of you I have personal development goals. that I really want to work on whether. it's striving for a healthier work life. balance managing stress more effectively. or just improving your mental well-being. setting goals as is the first step. toward making positive changes let's be.

real sometimes achieving those goals can. be hard and that's where therapy comes. in they've been around for a while and. you've probably heard of them but the. process has improved immensely over the. years and that's why I'm excited for. today's sponsor betterhelp better help. makes starting therapy easier and. accessible for everyone with over 30,000. licensed therapists in their Network. they can match you with the perfect. therapist based on your needs. preferences and location often within 48. Hours whether you prefer TR additional. phone calls video chats or even. messaging they've got you covered and if.

you ever feel like your therapist isn't. quite right for you you can switch it. just with a click at no cost remember. investing in your mental health is one. of the best decisions you can make if. you're ready to take charge of your. mental health and start living a. healthier happier life click the link in. the description below or visit. betterhelp.com calb Hammer okay why did. you not go to the court why did you not. go to the courn and try to get custody. of your kid from your mom cuz I feel. like in Kansas before all the things. happen you wanted her back why did you. not go the legal route I don't said you.

just gave up I don't. know cuz I feel like she's better with. my mom than she would be with me well. there you go KFC liquor store yeah I. drink a lot you do not a lot a lot but I. do drink what's a lot when I can afford. it like once a week I'll buy like a big. bottle what you do though cuz I mean you. live in a car well this is I was the. hotel so I know but you usually what do.

you do like if I'm in the car yeah are. you drinking and driving no not driving. but I'll drink when I stop for the night. throw the cans away Jack in the. Box cash app out I guess Steve must be. the. husband he sends money Jack in the Box. McDonald's Jack in the Box Jack in the. Box Vending Machine based Department. that's my brother that's his name on. cash. app so he sends me money too you are.

being. enabled you are being enabled from all. these people you're just satisfied and. you're okay with this lifestyle that's. obviously. terrible and you could very easily. work and look to try to get help with. your own mental health help you are. choosing not to you are choosing not to. and all these people are enabling those. choices it's disgusting Arco. Arco that's uh the G gas station yeah. $3.75 I didn't have a lot of money to.

put in my gas. tank then the checking account is5 so. it's probably like -1. now great it's not that bad it can't be. that bad the you on what are you talking. about are you that high are you that. just like. just right now what are you talking. about this is like the wor this is like. the I'm still alive and I'm still. kicking it so it's like what well that's.

great and I'm happy about that but I. would also like you to be able to live I. am. living I came here from California. didn't I isn't that living okay let's. talk about heal things. statistically you know all I'm going to. say is this does not have the longest. lifespan it does not. so what what's our intent there what's. our intent there we're living a very. unhealthy life okay and I'm I am too and. I can be very open and honest about that.

I I'm try I we're we're eating healthier. here and I've done better things and I'm. down a few pounds good congratulations. yay for me pound on the back lovely what. are we doing for you because I want you. to be able to survive so are you living. no you're just barely surviving I. wouldn't even say you are you're being. enabled in different ways that money is. going to just fast food fast food fast. food fast food and alcohol and weed and. I don't buy. my yeah but that's just that's all your. life is is just alcohol living in a car.

alcohol living in a car not working. alcohol living in a car not working I'm. terrified for your health I don't think. you're living I think you're barely just. scraping by and it's only because of the. the heart of. others of course even though only 144. came in 380 went out most of it was gas. 41.9% or $159 because you know you don't. have car insurance you no it's illegal I.

know bu I mean you're just you your life. is nothing you've oh my gosh that not in. an insulting way insulting way not like. a you are nothing I don't mean it like. that I mean like you're just well like. the best way to say it is just like. you've described you've given up so I. don't like begging for like money from. people I feel bad all the time oh you. clearly don't feel bad enough because. that's how you're surviving don't don't. don't say that don't say that's. disgusting don't say that that's.

literally what you're doing don't say. you feel bad you feel disgusting that's. literally what you're doing if you felt. bad and felt disgusted you'd be an adult. for the first time in your life and. you'd go get a job and actually do. something productive for the first time. in your life I've had jobs yeah it. doesn't matter look where we are now. look where we are now all that matters. is now you know you could go be a piece. of 5 years ago and be great now and I. would congratulate you for being good. now because all that matters is where. you are right now you could have been.

good back then You' be a piece of SH now. and all I care is that you're being a. piece now because back then doesn't. matter all that matters is the present. and what you choose to do in the future. right now you're being a child you're. being a child I don't care if you find. it disgusting or embarrassing that you. ask for help that's all you do is beg. for money from others and that's what. you get instead of going and getting a. job instead of sticking to a job does. door Dash not count as a job I didn't. see door Dash money coming in so I don't. know what the you're talking about oh. because I have a door Dash like card I.

just didn't send the statements for it. oh why cuz I wasn't doing door dash at. the time I'm doing door so can we count. that as even doing door Dash because you. started door Dash a couple days ago. doesn't mean we're doing door Dash means. you started you've done a couple dashes. well when I was in Portland I was making. a lot of money how much is a lot of. money what's a lot of money like 500 a. week that's not a lot of money for me it. is my I don't give a it's for you for. Society for what you need to survive. that's not a lot of money oh I don't. care about Society yeah no sh cuzz. you're not even participating in it you. don't even know what Society is you're.

so far beyond society and that you're. going to rely on society eventually to. take care of you you're going to rely on. all of us to take care of you because. you've just you've not cared and you. you've just been a child okay okay this. is great this is is fantastic 21.7% or. $82 61 with the going out to eat cuz no. 10% or $38 into. subscriptions uh unknown shopping it's. usually like Walmart or whatever we just. don't know what it is was 1% M laneous. bull you know 8% of the large purchases.

4.8% or. $18.41 that's Planet Fitness which makes. sense in your situation Google one was. the $3 not the zingga thing so you're. incorrect and Twitter blue for $8 I. think it's premium Now isn't it um and. then your phone is 19.7% or. $75 which was more than came. in yeah yeah at least I have a budget oh. shut.

the you got to give me some credit at. least I have a. budget budgets don't matter if you don't. follow them budgets don't matter for a. single second if you don't follow them. you have insurance but you don't have. insurance I had Insurance to get my van. out of impound but I couldn't get my van. out of impound what is I postal that is. like a virtual mailbox cuz I don't have. a legal address www y oh I had to like. get rid of that that was for the emo. Festival in Vegas Twitter blue you at.

least make that back I'll give you. credit for that Google one you probably. need a Planet Fitness you definitely. need it you need it right. now well what's the point of having. visible and T-Mobile the T-Mobile was. for cuz I had a uh I had a modem for. like internet for my car cuz I have a. laptop cuz I edit videos I do YouTube. and stuff you can't uh use visible. connect to your phone it's not fast yeah. but you're just talking about Lu at this. point fast or slow well I don't have the.

T-Mobile anymore I can't pay for it. vtuber hand. motion they couldn't pay for that. anymore either you can't pay for any of. this you don't make money nothing came. in even on your best good month which. was not in what we saw now you're just. begging for money. again. $500 and a very expensive area like. Portland it's not going to get you. anywhere oh my gosh okay okay okay gets. me far from just living in my car so. like I'm paying rent in Portland the.

guest I don't think you understand what. happens when the car breaks you think. you're going to be leaning on other. people but what if it's a multi thousand. transmission thing what do you do what. do you legitimately what do you do. what's your plan you don't have a plan. what's your plan find somewhere to kick. it and get a job I have friends all over. what are you kicking what are you. kicking like. surfing how many friends do you have in. Austin in Austin probably like two three. yeah and they would actually really they.

would want you to be there and they. would help at a certain point I think. it's enablement though I wouldn't want. you to be on the streets either but. you're literally choosing it that's. what's killing me there's a lot of. people uh who are dealing with. homelessness that it's not a choice. yours. is and it's. disgusting I just want to get into van. life and then I lost the van so now I'm. back to car camping. you call it camping yeah that's that's a.

Google it it's a thing no I I I bet it. is but I mean you're you're just. homeless houseless I have a home the car. is home house and home no home and house. are two different things okay all right. yes I'm. sure some people socially be mad at me. that's fine I don't give. a you don't have a home you don't have a. house you you're whatever it doesn't. matter it doesn't matter wherever you go. Caleb it all I'm saying is there are.

actual people this is what ass sets me. because you know I can't believe I'm. made a point where I'm like considering. shaming someone for being homeless. there's a lot of people that are not. choosing because they have actual. addiction issues that are so hard to. quit because there's like a 1% chance of. actually getting off of things like. heroin in in a long term like. statistically because it changes your. brain chemistry so much that it's so. hard. people with mental health conditions. that are basically int treatable cuz we.

just don't know anything about the brain. and really the only thing we can do for. that person is just put them in a place. that they feel essentially trapped and. it's terrible those are people that. really have no other choice and they're. just on the street and they just don't. know what to do cuz half the time they. don't even know what's going on but you. are just choosing to milk people for. money you are just choosing to allow the. car to break down then take advantage of. your people. who are nearby that you might. know it's sad it's disgusting you're.

throwing away your. life well even if it's what well even if. I got a job I'd still be in my car cuz I. don't want to pay $1,400 a month for. rent I could get a roommate I'm not. against the van life but what you got. going on there is not good it's. dangerous yeah it's dangerous people. have done van life and that's what I'm. not opposed to that in concept if that's. what you want to do but again right now. you're relying if something breaks and.

something is going to break on that. piece. of that someone else is going to take. care of it out of the kindness of your. heart you're using other people you're. using other people instead of taking. responsibility in your life so why I. want to get a job out here so I could. try and save money I want you to I I I. want you to but you're probably just. going to get a job and then you're going. to have it for two weeks and that's it. I'm going to prove you wrong please do I. will prove you wrong oh I hope do I hope. I hope you do we have a statistical we.

took out some of the outliers uh that. you know like sold something and they. paid off a large amount of debt or they. have a super high income and they paid. off a large amount of debt we're just. going with like or average. statistical thing that within the course. of seven months people pay off $8,000 of. bad debt 8,500 or something like that in. seven months in average for people who. have been on the show I want you to be. that person Less in the debt situation. because sure I think you should morally. take care of the things you've borrowed. but whatever uh in terms of getting a. safe van situation in terms of actually.

getting a job in terms of taking care of. making sure you're set up for an. emergency fund in case something happens. on the van you got to make sure you're. taking care of that in terms of not. using other people in life using that's. what I don't like again I'm not like I. would I don't want to shame someone for. being um homeless but using other people. when you're just choosing not to work. you're right I want you to prove all. that wrong I want you to turn that. around I'm not going to get some sense. of Pride seeing you fail that's. disgusting I feel disgusted and I feel.

so bad for you and my heart is breaking. so prove me wrong absolutely and we can. celebrate and I'll be so happy so happy. but right now I have you're G you've. given up I've given up I'm. sad I feel disgusted I don't know what. to do I don't know what I could do to. help you I think you need to seek mental. health help first and foremost but. you're not even willing to do that so. it's just like at some point there's. really nothing you can do for someone.

and that's one of the first times that. that's ever happened on this show and. that breaks my heart cuz you're a human. being in this planet I want you to do. well and you don't give a to do well and. I can't convince you to so okay let's. say hypothetically I get a job and I. keep it what's the first thing I should. focus on paying down I don't know if. it's paying down for you I think since. everything's in collections you need to. have $110,000 saved up as quick as you.

can in case anything happens to that car. because your life is that car it's crazy. I need you to get your maybe put it in a. storage place in wherever you want your. home base to be you don't have to be. there all the time with your lifestyle. but wherever your home base is put it in. a storage unit that you're you know like. 20 bucks a month or something like that. uh 50 bucks even like okay fine and then. just get the divorce. or don't whatever I don't just get your.

and stop taking advantage of people on. just a moral level um yeah that. $110,000 from there you can at least. take care of the car if something were. to happen from there maybe start saving. up for the van but continue to work I. need you to uh once you have the van. even if you're traveling uh you're going. to have to work your to get a job that. works with that but I need you to set. aside money for retirement minimum 20%. CU at some point you might become. disabled at some point with the. lifestyle you're living to just to.

truthfully be. honest something medical is going to. happen I need to make sure you have. proper. insurances that you can meet. deductibles that when the day comes. inevitably for everyone that you can't. work for whatever. reason that you have enough set aside. that you're at least able to sustain the. van life and what happens if all of a. sudden you don't want to do the van life. anymore you're 25 there's so much longer. left in your life what what happens at.

that point I don't have enough money I. go back to Kansas well you need to deal. with that as well so this is just like. first and foremost $10,000 take care of. your in life start being a moral person. and stop taking advantage of people in a. disgusting manner grow up start. contributing 20% to retirement so you at. least have a nest egg is that. Kansas what that tattoo is that what it. says no it's my daughter's name I do got. a storm chasing cuz I do storm chasing.

that's like great yeah well your entire. life is a storm so Chase it out of town. and fix it finally any final. thoughts no not really no great hammer. Financial score 0 out of 10 make sure to. check out all the resources Linked In. the description below they are what I. use or would Ed in specific situations. including the best budgeting program. that's ever existed online which is had. a massive discount right now all the way. through my. thanks to all of our patreon producers. for making this episode possible if you.

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