The Lowest IQ In Financial Audit History

I was a cook in the army. >> What's your disability rating? >> 80%. >> Okay. >> I At least I'm not on At least I'm not. the ones that come on the show and. they're like 100% doing well with their. life. >> You failed one class and you don't work. >> Ooh. The real reason he's here is. because he's tired of the BS in America. and plans to leave the country. >> 100%. >> What's the BS you're escaping though to. go over there? >> Women. >> I've been told you're looking for a. Filipina cook, clean, and take care of. the house. >> I can get that over there in the.

Philippines or in Southeast Asia for. less than $200 a month. >> And what age Asian are you looking for? >> We'll see. When I go over there. >> There's something you need to know, and. that is I'm Chris Hansen. The summer budget reset is now live. Get. a full year of Dollar Wise Premium plus. my four best-selling educational courses. and a digital copy of my budget-friendly. cookbook and my exclusive 30-day meal. plan signed by me and mailed directly to. you. This is a better deal than we've. ever done before and it's only for a.

limited time. It is 67% off everything. So, don't wait until that first pool. party to get financially ripped. Click. the link below, save big, claim your. bonuses now. >> Hi, my name is Dux. I'm 29. I'm from. San Antonio, Texas. >> [music]. >> and this is Financial Audit. >> You added an S at the end of your fake. name, Dux. You made up a fake name for your fake. name. >> No, this is It's my Discord name.

>> Is it really? >> Yeah. >> Okay. I am going to insult you. >> Okay. >> But not for the desire of insulting you. when I say this. It's more of a I want. to understand what's going on and make. sure. I approach this conversation correctly. >> Okay. >> So, this will be insulting. I apologize. preemptively for that. I had. approximately four people, individually, not connected to each other, before. filming this episode come up to me and. say they think you might be the.

stupidest person that has ever walked. into this studio. Four people unprompted. and not connected to each other. How is that possible? What am I dealing. with? I want to make sure you are not. mentally correct legally. >> Positive. >> Okay. Okay, good. I wanted to make sure. cuz that would be a different. conversation. Now, why would they all say this? Independently. from each other. >> Ducks.

>> I have no idea. >> Okay, so your Discord name. You wanted. to use your fake name. You. >> Do you want. >> not interesting enough for you? Did you. have to check your messages? >> I'll sh-. show you why I'm. >> Are you having a conversation that. doesn't involve me here with someone? >> No. Just give me a second. >> I don't need you to prove your Discord. name. If that's If he proved his Discord. name. >> Look at my last name. That's why I go. >> Okay. >> Lastly, I want So. >> Very good. >> His last name is the name of a bird.

>> [snorts and laughter]. >> What can I say? What? >> You a big Discord guy? >> Yeah, I'm in probably about 90 plus. 90 plus different servers. >> For [ __ ] what? Is that That's like. new age Redditor. >> Gaming gaming communities, personal Discords, friends Discords, military communities. >> Damn. Were you in the military? >> Mhm. >> Really? >> Mhm. [laughter]. >> And the guy next to you in the bunker.

fell safe. >> Yes. >> With you holding a weapon? >> Yes. I was saying. >> was. >> Yes, was. >> What it was your service? >> Uh. I was a cook in the army. >> Ah. [sighs]. Aha. >> Well, >> And was that just doing the dishes? >> No. >> Okay. >> [laughter]. >> Okay. >> I wanted to go infantry. But. >> You wanted to, yes. >> But. >> But they assigned you to the kitchen.

>> No, actually. I [clears throat] I chose to be a cook. cuz at the time when I enlisted, I was. actually. dating someone and because my both my. parents were prior service army, they kind of talked me out of going into. more com-. com- combat role. >> Okay, allow me to ask. And I do not know. the answer to this. I hope it is right. You were just a cook, correct? >> Mhm. >> That was it. Nothing else? What's your. disability rating? >> 80%. >> Okay.

Damn it. It [laughter] makes me look so. anti-veteran. Can they just clip it? They clip it. I am SO [laughter]. I AM. I AM. >> [laughter]. >> I AM VERY POSITIVE veteran and I just. want to get rid of fraud for so we can. properly fund it going forward and take. care of those who need it. 80%. >> At at at least I'm not on at least I'm. not the ones that come on the show and. are like 100% doing fall with their. life. I'm trying to do something with my life.

>> Buddy, your entire life is Discord. I. was just typed this. Apparently, the. moment you finish the onboarding video, you like scratching and you ran out of. the door, which no one does. Everyone. waits for the producer to come back in. You ran out of the door so you could get. your phone so you could get into. Discord. >> Little bit. Little bit. >> No one does that. No, wait. Correct Lindsay and Colton, no. one does this. Everyone waits for you. guys, right? Okay, they're all saying. yes. >> Yeah. >> Everyone waits for the producer to come. back in cuz they know how long the.

onboarding video is. You ran out into. the office with where dozens of other. workers are just trying to do their job. so you could grab your phone. >> [laughter]. >> You literally snatched your phone and. said, "Video done." and walked away. >> I didn't say video. I said the video's. done. Can I have my phone back? So, 8. minutes and 45 seconds of onboarding and. that was too long without this. Discord. I was having conversations with someone. What do you do for a living, Ducks? >> Um currently, I'm actually in school.

for cybersecurity. >> Well, that's good. >> Um. >> I wouldn't laugh at that. Cybersecurity's great. >> Yeah, it is when the VA. tries to. when when you're trying to go to school. and the VA is [ __ ] you at every. moment. >> You're at 80% disability. >> Mhm. >> How are you getting. What's your disability check per month? >> 2,100. >> Okay, and where's your getting. >> The VA was supposed to pay for school,

like 100% pay. and then they decided to. not. So, right now I owe the school six. grand. >> Okay, you make 2,000 a month for. your time at being a What was your. disability? >> The highest rating I have is PTSD, anxiety, and depression. That's 70% right there. >> The trauma surrounding ground beef? >> No. Um.

when I was at basic training during the. last the last field field training. exercise, I had a I woke up one morning. to a drill sergeant with. to my drill sergeant with my rifle in my. face. So, yeah. I um. >> Okay, and the other 10% is? >> Um 40% I'm actually rated 40% for my. back and 10% for tinnitus. >> Tinnitus? Tinnitus Do you even know how. tinnitus Does the VA even know how.

tinnitus happens? At this point, as. someone with tinnitus, which means I. could have gone to the military, walked. out and said I have tinnitus, by the. way. I just I. I know, but I've had tinnitus forever. cuz it just happens. All of those things. that you mentioned can just happen. Now, the rifle thing, I am sorry that. happened. I don't I don't know how they. qualify it, whatever they did it, they. figured it out and good. It sounds like. if someone actually has real trauma, that's where I want them to get it. Okay? So, that maybe that potentially. sounds valid. Um but, tonight is it can. just happen. It's a It's a It's a. disconnect between. it's a signal disconnect between your.

brain and your ear, essentially. It's. It's filling for something it thinks. doesn't exist. It's usually not caused. by like a massive damage or hearing. loss. It's like it it feels like it. thinks it's missing a signal, so it. makes up for it with a relentless noise. >> Mhm. I always have have ringing ringing in my. ear. >> Very good, but was it because you were. cooking food? >> No, that was. basic training. >> But, I don't know for tinnitus, though.

>> I didn't have it. >> Specifically tinnitus. >> I didn't have it before I went in. >> Okay. >> And. >> You may have had it light and it ramped. up as well. So, I don't know. But, either way, just saying it. Okay, so. you're doing a lot in school right now. So, you're unemployed. >> Mhm. >> Which I mean, you're getting. a lot from the VA or Well, actually, it's not a lot, but it stacks up over. time. So, how many classes are you in? >> So, I had issues at the start of at the. >> classes are you in?

>> One right now. >> Okay. See, I knew something was coming. when you when I asked how many classes. you were in and I went into a story. You're in one class and not working? I. What Didn't you just say, "At least I'm. not like the veterans who collect 100%. and do nothing with their life?" You're. in one class and you don't work. >> I've tried. I actually just quit my job. at Domino's. doing pizza pizza delivery because they. weren't giving me enough hours. >> The trauma from putting pizza in the. oven. Sorry. Okay. Okay, they weren't giving you. enough hours. So, you work those hours.

as you can and you work for another job. as much as you can. You look for another job as much as you. can when you're not working those hours. that are limited. >> Yeah. >> And you get the other job and quit the. previous job at Domino's. >> I have been looking. I have been. looking. I'm on indeed every day. >> You're on indeed. What are you doing on. indeed? >> Applying to jobs. >> What are you applying to? >> Anything and everything that I can. >> So how are What are What are What are. What are What are you going to graduate. with this cyber security degree or. whatever you're doing with one class a.

semester? I think that's going to take. multiple decades at this pace. >> So actually after this semester, I'm. done because I can't af- I can't afford. to pay back the school six grand, so. >> So what is it? You're not doing enough. school so the VA won't pay for it? What's the argument? What did they say? >> So basically when I first started um. when I first started college two years. ago, I was actually going to the. University of Phoenix. >> No, okay. >> And then. >> Oh, okay.

>> I decided to. >> no. University of Phoenix? I'm saying I've. Isn't it. >> It's [ __ ]. >> a scam. >> Credit card information and submit. And. I'm a lawyer. >> No, no, it's not an actual. >> I thought it was like Didn't. >> It's a legit It's a legit school. >> I must be thinking of something else, but I swear there was something related. to the University of Phoenix where like. everyone got a refund and their student. loans forgiven, but. >> But no, so I left there because the. teachers weren't communicating with me.

Uh if I. >> In the way that you need? >> Yeah, in the way that I need. >> way that you need, not that they weren't. communicating with you. Very good. >> Um so I left there, decided to go move. over to San Antonio. >> From where? >> Houston. >> Okay. >> I lived in Houston and then I moved over. to San Antonio. >> To escape the University of Phoenix? >> No, so I could go to. like an actual school. >> Yes, Houston has none of those. >> I know. I I school online. Now I When I moved.

over here, I was. >> Houston has a lot of schools. It's about. to be the third largest metro in the. country. >> Oh, I didn't know that. Okay. >> It's much larger than San Antonio. >> Yeah, I just don't I also just don't. like Houston. >> Okay, well, that's something. >> It's a It's. >> That's different. >> It's a cesspool. >> Uh of. >> drugs um. When I was living there, I was in. between a few. as far as what I've heard, a few gangs. I heard gunshots almost every day and.

stuff like that. I was like, I need to I. need I need to get out of here. >> Okay. Very good. >> I ended up moving over moving over to. San Antonio, where I got accepted into. the school I'm cur- I'm currently at. >> Which is? >> UTSA. >> Oh, you did get another job. You got a. sales job. >> I did. I did, but they only had me in. for like 2 hours and then they told me. to leave for the day, and I was like, "Why am I going to come back?".

>> go back. So, you can make money. You know, if you weren't getting the. disability, you would be working those. jobs. >> Yeah. Yeah, I would. >> Yeah, well, thank you. He's saying it. Exactly, if we weren't subsidizing you, you would be going out and. working. >> Yeah. >> Again, maybe the rifle thing is valid. Did the boot camp person. I'm sorry, I forgot what you called him. Did he. >> Drill sergeant. >> Did the drill sergeant say he pointed a. gun in your face when they asked?

Did anyone else see it? >> A A A few of my friends, yeah. >> Okay. Okay. Why did he do it? >> He I guess he was having a PTSD mo-. moment, too. I have no idea. >> Okay. Okay, then fair. You know what? Fair. I I I don't No, I don't want to. cross it out if it's fair. Um okay, so you never went back to that. job that you just got. >> Nope. >> What kind of sales was that? Maybe it. was a slow sales day. I don't know. >> It was a business-to-business sales rep. for for AT&T. So, I'd I'd work third.

party and then go to businesses. >> Yeah. >> Okay, two hour what was it? Onboarding? Yeah, sometimes those days are shorter. >> wasn't onboarding. >> But they tell you to go home cuz you. weren't doing [ __ ] It wouldn't make any. sense. Sales is it's all about. commission for bringing in a certain. amount of sales. >> Mhm. >> It's like. two hours. Like obviously you weren't. doing something or something was up. Like I don't understand. >> I was in training and then they were. about to leave the office to go to. businesses and they're like, "Oh, well, you can just go home for the day.". >> Oh, yeah. That's not unreasonable. You.

were in training. Why would you not go. back? Get through training so you could. do your job. Do you not want to make. money? I get you again you don't need to. because again you just have money coming. in. Uh even still, okay, let's say you. just commit this. you get this cybersecurity degree. What. are you going to do? You're going to. show up and you're going to have one bad. interaction you go home? >> No. >> No? Come on, this is what you've just done. for the last two jobs. You just laugh. Okay, first of all. >> Okay, so for Domino's.

I was there for about two to three I was. there for about two months. >> Two months and they're already cutting. your shifts. How bad were you? That's quiet firing by the way. >> I was a delivery driver. >> And how bad were you? That's quiet. firing. >> I I don't think I was bad at all. >> You don't think. Okay. >> Nope. >> Okay. Okay. Oh, you are so okay. Okay. Okay. So, you're going to the VA next. week to try to get it up to 100%. Cuz. that boosts you to $4,000 a month. >> Yeah. Not next week, but it's it's it's a.

process going through the C&P exams. >> What are you trying to get ramped up? >> Um anything and everything that I can at. the moment. >> Glad you're blunt about it. He's. he just says it. I mean. >> [snorts]. >> Thank you for being honest. I'd rather. be honest than lie. I mean oh gosh. I got sent a a meme the. other day. Let me see if I can see it. Someone sent me this tweet. Yeah, you're just doing it right now.

from this guy named comic. comic Yeah, comic case. I don't think. that's how you spell kamikaze, is it? Kamikaze cash healthy veterans. collecting 100% VA disability walking. into Caleb Hammer studio to have their. finances audited and this is the. SpongeBob meme. And that's you. >> No. >> I mean, maybe you had it. >> I'm not at 100% though. I'm at 80. >> You just said what you're trying to do. in a couple weeks. >> to do, yes, but it's all it's an also. process. >> Yeah, but. >> I got to. >> anything AND EVERYTHING. IT'S NOT for.

something specific. Listen, I understand. yeah, maybe that gun thing was an actual. thing and maybe they should do that, but. the United States thing, the the back. thing everyone says the back thing. It's. just like. I want to be the most pro veteran. show in the world, but we go over. finances and then we just have someone. like you to just comes out and says, yeah, I want to increase it to 100% for. anything and everything. It's just like. you just fully admitted like how can I. just sit here and be like yes, yes, yes, more money, more money, more money. I'm. like let's audit it. Let's make sure.

everyone who deserves it and needs it. gets 150%. and then cut someone WHO DOESN'T DO ZERO. OR JUST get it to what you need it, but. not for anything else inflated. So. because now it's 2% of the entire. federal budget or maybe 4%, but it's a. ramping up every single year. The line. chart is going. dramatically. for. >> Well, the VA. >> disability. >> The the disability pay does go up about. two two and a half percent every year. >> Yes. Yes.

Um which relatively keeps up with. inflation depending on the year. I don't. know if it's tied to CPI or not CPI or. not. But again, I am [clears throat] so. pro disability and helping the veterans. in need and. you know, taking care of them in terms. of their health and school and. mortgages and everything and disability. insurance. This is like with what you. just said and with what so many people. on this show have just said, the fact. that you can't even criticize that, you. immediately get called anti-veteran, anti-patriot, an evil person. It's just.

like, why do we have sacred cows in this. country? It makes no sense. We should be. smart with our finances. The Pentagon. hasn't passed an audit in. years. It's just like and then you talk. against that and you're like a evil. person. It's just like, what are we. doing? I want you, for any PTSD you have. from the gun thing, to. actually get rated and get. service for that. Anything else that. you're just like, yeah, anything and. everything I can to get up to 100%? No, that's [ __ ] And you're you're. draining you're draining what should be.

going to other people at that point. Yes, thank you for admitting it. So I So I don't I don't know. But again, at least you're not like the other lazy. guest collecting 100% doing nothing with. their life, right? >> I try to work. I try. >> You You objectively don't. You decided. not to show up to Domino's. You decided. not to show up to the sales position. again after they let you go home cuz. they had to go do other [ __ ] when you. were being trained. What do you mean? What do you mean? Also, what is this. note I have? Okay, this note makes.

literally no sense because we are giving. you money because we care in this. country. Because we do. Because veterans. are meant to be protected. And we give. you money and you abuse it. It looks. like it sounds like from what you're. saying for the 100%. But either way, we. are doing it. And yeah, I have The real. reason he's here is because he's tired. of the BS in America and plans to leave. the country. >> Yep. 100% that. >> What the [ __ ] ARE YOU TALKING ABOUT? THAT MAKES NO SENSE. YOU'RE TRYING TO.

We're literally giving We're going to. give you $4,000 a month and you're just. What? What's the issue? >> Uh. >> What's the issue, Ducks? What have. people on Discord been I'm you, Ducks? >> It's not on Discord. I've been doing. doing research to move over to to. Southeast Asia the past coup-. the past couple of years. >> Oh, yeah. You'll find some. Come on. What are you looking for there? >> I'm lady boy. >> Anything and everything that I can. It's. It's a cheaper cost of living over.

there. >> What's the BS you're escaping though to. go over there? >> Women. >> Uh What about it? I see beautiful women. everywhere. It's great. Go on the hiking. bike. >> Woo! >> I don't hike. I don't hike. >> You Neither do I. I go on a walk. >> I don't want. >> And I look down. at their asses. >> [laughter]. >> I'm honestly tired of renting and stuff. like that over here. It's like. >> Hold on. Hold on. I'm not going to let. you brush. Okay, we can talk about that, but you. just said the women. What?

>> Um. >> If that's your first thing, please tell. me. >> Dated a lot of women the past coup-. couple of years. >> Wow. >> It's only lasted. couple months to a year. >> Like your jobs? >> Hm? >> Like your jobs. I don't know if that's. them or you at that point, but continue. Yes. >> Um. >> struggled? >> I've struggled with dating over here, and it's just. >> Why do you think you struggled? What's. happened? Tell me. >> They. The women don't tell me.

They don't tell me why they're breaking. it off. >> Oh, so they break it off every time. You. don't break it off? >> Mhm. >> Well, what do you think it is? What's. your complaint with them? I mean, you. told you told Colton you're annoyed with. the boss [ __ ] movement. I don't even. know what the that is. I've never heard. of that movement. >> So, it's basically the women who think. they can have six fig-. who. >> Come on. Spit it out, dude. >> only date men that have have like a. six-figure income and stuff like that. >> Okay. Well, you're like at a zero-figure. income, so. >> I know. >> I.

You're very far from. Okay. So, you're talking about what It's. the six-figure, six-feet, six-pack or. something. I don't remember. What was. it? >> Basically, yeah. >> Okay, well. Are you tall? >> No, I'm 5'5. >> Oh. Oh. >> Look out of everybody in my in my. family, I'm the shortest one, okay? >> Okay, so you're getting incel'd. >> Hm? >> You're getting incel'd. >> What's that mean?

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

cause. They're rejecting you because. you're not profitable enough for them at. a manageable rate. That's where Why Refi. comes in. Why Refi works specifically. with borrowers who can't get refinancing. through traditional lenders. It's their. whole thing. They refinance private. student loans so you're only paying. interest between 0.1% and 5.99%, and. they legally cannot charge you more than. that. They'll even customize your. payments to get you out of debt at a. pace that works for you. And if you need. a co-borrower release from your loan, they've got a program for that, too. Plus, their team is in Phoenix, Arizona, so when you call them, you talk to a. real person. It only takes 3 minutes to.

check your rates, and it doesn't impact. your credit score. If you've been told. no a million times, try Why Refi. Head. to whyrefi.com/hammer. That is yrefi.com/hammer. Or call triple eight Why Refi 78. That. is 888 Why Refi 78. Break free from the. high-interest trap and get your finances. under control once and for all. You suck. with money, so you download a budgeting. app. You start with the classic one, YNAB, but everyone just deletes it. because it's way too complicated to use. So, you go to EveryDollar. That's Dave.

Ramsey, the personal finance guy, right? Well, they're going to force you to use. it his way. That's not very personal. [music] finances. Rocket Money, that you. got a lot of commercials, but they're. owned by Rocket Mortgage. Guess what. they want to sell you in the end. Then. there's the new guy on the block, Monarch. Hundreds of millions of dollars. of private equity raising so far, but. private equity doesn't have the best. track record when it comes to private. data. That's why I like Dollarwise. Built by these people just like you, for. people just like you. No private equity,

no gimmicks, just [music] the best. budgeting app there is. Download it now. start the free trial. dollarwise.com. link in the description below. >> I feel like you're probably getting. pushed into the incel community, especially with all the Discords you're. in. You're getting broken up with, you're. calling them boss [ __ ] you're. complaining about the not six-figure. thing. Listen, let me just tell you. something, and I'm sorry to ego stroke. for a second. Before I was ever known, before I was making money, I was still. fat, and I was getting laid multiple. times a week. It's not hard. It's the.

good messages, making good profiles, cold approaching. And I'm 5'9, sure I'm. taller than you, but I'm just the. average I'm I'm under 6 ft. Under 6 ft, I wasn't making money. Like. what the what the what the what the [ __ ]. are we doing? What the [ __ ] are we. doing? It's It's really not hard to get. laid. Brandon, it's not hard to West, right? No, it's Colton, I know you take dick in. the butt, but either way, it's still. it's still not hard to get laid. Um it's really not. And like, I don't. know, I didn't think you were fat, and.

maybe you're wearing like a good fitting. shirt. I thought I thought maybe you. were like, are you fit? >> Somewhat. >> Well, there we go, see? You short king. Short king. Like what what are we doing? Um so, I'm afraid that maybe you're. getting pushed towards like the incel. communities, especially with all the. Discords, you complaining about your. height. You're just kind of a [ __ ]. loser. >> I don't complain on Discord at all. I. have I have my friend. >> a [ __ ] ton of Discord communities, you. were like feening for your phone out.

there. You're not working, you complain. about the six-figure, six-foot [ __ ]. Like it's just like at that point you're. just a [ __ ] loser. >> I mean those those those those guys are. wrong. They're they're monetizing you. online. It's not difficult. I never. struggled. And listen, I am not even. close to peak male physique or just. looks by any means. I am. average if not below average depending. on who you ask. It's like what happened. Whatever Again, this is before I was. known, before money. It's not hard. You. just have to put yourself out there. If. you lock yourself in you get doom and.

gloom and you're just in Discord. communities all day, you're right, you're not going to have anything. And. there is something dramatic happening in. I mean you're Well, you're 29 so it. doesn't even matter. If you were 24 or. 23, I could agree that there is the. biggest political split ever happening. in American generations. Young young men. have slightly moved to the right at. about 5% and young women have moved to. the far left at a 33% pace or 30% pace. or 28%. Something dramatic. They've gone. further to an extreme than any other.

generation in American history. It's. pretty crazy. And they're following. something similar to almost like the 4B. movement in South Korea where women are. just cut off men completely as a. rebellion because they were voting. conservative, they were voting liberal. We're starting to look more like South. Korea in the Gen Z generation. We'll see. if generation alpha bounces back. But. either way, you don't get that excuse. You're 29. You're not really of that. radical age range. Sure, you're. technically generation Z but at the top. end. You're not in that 22 23 where. they're all freaks. Like the.

Asian streamer that just got canceled. online because he consensually flirted. with people and that constitutes as. today. So it's like I don't even know. But you you don't have to worry about. that. You're [ __ ] 29. They're another. 29-year-old. They're not all parasocial. weird TikTok terminally online freaks. Like at this point you're just being a. loser. You don't have those excuses. And. you're going to flee the country that's. giving you everything because you can't. get laid? Go downstairs. There's hot. women everywhere. Stick it in one, consensually. They will allow you. Play.

the game right. What is wrong with you? You're just being a loser. >> Look, I'm antisocial, okay? >> I'm an introvert. I'm an introvert as. as [ __ ] I've never struggled. I can't I. don't understand it. I don't understand. it. How many times How many women have. you been with intimately in their. vagina? This is a fine ass show. >> Couldn't tell you. >> You certainly could. >> I don't [clears throat] know the number,

actually. >> Cuz there's too many? >> Yeah. >> Oh, so what's What the [ __ ] is your. problem? American women, what are you. talking about them? That's not incel. I. mean, what what are you talking about? >> I mean, like I'll see them for a few months and. then they end up breaking it off. They. find somebody better. >> So, you're not good at dating. Become better at dating. Is it cuz they're a boss [ __ ] Welcome. to modern society. Women don't want to. work. I don't know. Like what? Looking. for trad wife? I've been told you're looking for a. Filipina Filipina or Thai or Viet woman.

to cook, clean, and take care of the. house. Oh, okay. Okay, well, yeah, you're not. >> that and I can get that over there in. the Philippines or in Southeast Asia for. less than $200 a month. >> Well, yeah, do they want to stay there. there though or do they want to come. back here? >> We'll see. When I go over there. >> Go over there with what money? How are. you going over there? What the [ __ ] are. you talking about going over there? Or. do we still give you disability if. you're over there? >> Yeah. >> Oh, what the. >> As long as if you don't renounce your.

citizenship. >> To be very clear, you are talking about. basically just paying for one. In the language that you're using. >> Not really. >> How many massage parlors do you go to? >> None, actually. >> That looks sketchy. Massage parlors are okay. Go get. massages, but come on. >> None actually. >> Talking about little Asians? >> No. None. >> And what age Asian are you looking for? >> What? >> What age Asian are you looking for? >> See when I go over there. >> There's something you need to know, and.

that is I'm Chris Hansen. >> Buddy, what's up with the like desperate. American men situation to go over there? You they'll stay with you because you. can't hold down a woman here just. because they have no other choice there. >> It's not. >> the fact that they have no other choice. It's. >> What is it? Why would they want you then? >> Because the American dollar go goes a. lot further over there. >> So you're paying for them then. It is. literally just money. It is just money. You want to buy an. Asian. >> I'm not buying an Asian. >> Come on with the language you're using.

It's not about love. You're saying. because the US dollar stretches further. over there. >> I do want love, but I. at the end of the day. the American dollar does go further over. there, so I can. >> point? How does that equal woman though? Like why would that make it different. for them to last longer than 2 months. for you? Why don't you let self. reflection, why don't you think you hold. down a woman very well? I would just. self reflection, okay? They leave. Why do you think? >> Couldn't tell you. I have. >> No, try to have any kind of self. reflection here, buddy.

Any kind of self reflection. Come on, you're being a loser. >> I mean, I'm very much antisocial. I. don't like going out. I don't like. talking. >> So then find one. There's antisocial. women. I've met them on the show. What is your. issue? You can find a woman that just. wants to stay home all day. You. absolutely can. I do I'm introverted as well. My girlfriend's cool with me crashing on. the couch when I get home from work. Okay?

Okay, let me just let me just try. I may. Thank you, Lindsay. You're going to have approximately 5. seconds to point to the Philippines on. the map where you're going. Five. Four. Three. >> It's worth [laughter]. >> Go. Touch it. Five. Four. Three. Two. One. >> Somewhere around here. >> Okay, he pointed to Somewhere around. there. He pointed to. um. I just want to make sure I got this. Bangkok.

Uh the Philippines are out here. Where. are they? Where did they go? Where did they go? Did someone move. them? Why am I struggling? It was right here, but no, that's the Marshall Islands. Where the [ __ ] are they? Philippines. They're here. They're. here, but I can't find them. There they. are. My gosh. >> Are you blind? >> Okay, you couldn't find them either, dude. No. We're equally [ __ ]. >> [laughter]. >> That's not good. So, you're telling Colton you can get. more out of a Filipino woman. What does. that mean?

I mean I mean, buddy, if you're on this. show, you're not making money. You're a. failure. You're and you're obviously. dating and sexually loser. You have tens. of thousands of really bad debt. >> What are we doing? >> I'm trying to fix all that. It's why I'm. on here. >> So, well, how about you don't leave a. job. 5 seconds after you get it? Pull up your Indeed. Not Discord. >> It's not Discord.

Okay. >> Now, I've never personally done Indeed. I I've always done. LinkedIn, but [clears throat] Okay, so. you told Colton you want a wife, two. kids, and a wife that you're attracted. to, which is that is odd. You want a. [clears throat] wife, kids, and a wife. that you're attracted to. How did you. come back around to that? What What What. What does that mean to you? >> What? >> [snorts]. >> Okay. [laughter]. You specifically said, "I want a wife,

kids, and a wife I'm attracted to.". It's kind of odd. >> Cuz some of the girls I've dated in the. past, I'm just not attracted to. >> Why were you dating them? >> Cuz I can. >> Yes, we all can. Why would you if you were not attracted. to them? Okay, all these jobs that he's. applying for, he's applied to 11. Supplied to 11 jobs. That's his. robust job application strategy that he. was talking about. Carvana, which is expired because that was a long.

time ago, even though that was your. second most. recent applied job. Sales associate at a. car wash, I think that's just a cashier. >> I am also waiting to hear back from one. job. It's a Rent-A-Tire. I'd be I'd be a. tire a tire technician. >> Okay, you applied to be a delivery. driver to Domino's. Didn't you just leave being a delivery. driver to Domino's? >> Mhm. >> Okay. >> [laughter]. >> Oh, dude.

Oh, [snorts] [ __ ]. Wait, you have a current girlfriend. So, what what's the issue? Why are we. going to the Philippines? >> Cheaper cost of living, mainly. >> Yeah, well, what about her? If you're. going for a Filipino woman, >> Nah. >> Okay, let me see. What does she look. like? Show me. Can you look down real quick? >> No. We've already seen that. >> You got to deal with that. That's something you got to fix, too.

You have a great beard, just commit, man. Get it going. r/bald. Just commit. >> Love love love love. >> Or start taking finasteride. >> I've tried. It just no. >> Tried what? >> I've tried going bald. >> Okay, what about finasteride? >> Finasteride? What's that? >> It's the pill that actually grows back. hair. and maintains. Like less than 1% of people's dicks go. soft, but if that's not you, then you're. good. Oh, no no no, I would still like to see. her. >> No. >> Yes. >> No. >> Yes, you're on financial audit and that.

wasn't on the off list, so yes. >> it. >> Whoopsie, should have gave me that rule. >> Yeah, probably. >> Um, I'm being told. that basically he says, you say, that. the relationship isn't what you consider. real intimacy because she doesn't put. out the way you want her to. So, a. Filipina going to. change that? >> Yeah. >> What? >> [laughter]. >> What is her No, no, no. >> No. >> Yeah, no. No.

I I No. >> [screaming]. >> No. No, I'm serious. No. I'm serious, I'll get my security guard in here to. kick your ass. Show me a picture of her. Oh, I'm not showing the camera. It's just for me. And what is her not putting out the way. you want her to? Alpha? Shh. >> She ain't the greatest. Yeah. That's why I'm just like getting no. Wait, wait, wait, wait, wait, wait, wait, wait. How old is she? 25.

>> Not 45? >> Mhm. >> Brandy, can you come over here? One of the hosts of Dating On It, which. I think you dramatically need. I just. want him to get a closer look. You not judge. >> [sighs]. >> There's somebody for everybody. >> So, what is her not putting out the way. you need? That you need to upgrade, I guess, to a. Filipina. I mean, it would be. No.

offense to her. I mean, offense to her, but. Yeah, talk in the mic, but what is what? If you're If this If you If I am. budgeting you to abandon America for the. Philippines to get a woman that puts out. the way you want, cuz you're like some. You're You're like full red pilled, by. the way. Like, what what? What is it? >> So, no owner for probably about a month, month and a half, and. the first time. like she wanted to have sex, it was to. the point where she was like, "Oh, but.

you can only thrust twice and then you. have to get out." Like, why? Basically blue balling me. Yeah. >> Is that a constant or just the first. time? >> No, that's constant. >> She constantly says you can only thrust. twice? >> Yep. And she thinks it's sex. >> What I mean, technically, but. has she ever given a reason? >> No. >> Have you ever asked? >> Yes. >> And? >> She hasn't said anything. >> She just doesn't respond.

>> Mhm. >> Silence. >> Mhm. >> I'm glad you're following consent. Oh, okay. >> Yes. >> Oh, that took you a while to agree to. you being. um. Okay, so. yeah, I guess you guys aren't really. getting anywhere with just two thrusts. >> Mhm. >> I mean, she's probably just nervous of. you, you know, finishing. >> I don't know. >> I'm going to be dramatically honest. She's a one out of 10.

Like she's one of the ugliest people. I've ever seen in my life. And we're I'm we're not, you know, no. one's ever going to know who she is, the. camera's never seen them, but she is. Okay, she's who you see on my 600-lb. Life. Like she's on the next season. Like she actually is. Like kind of like. Tammy. She's Tammy from My 1000-lb. Sisters before the weight loss. >> Oh god. >> I don't understand what you're doing. You're not an ugly dude. >> Is he? >> I don't think you're an ugly dude. Well, yeah, yeah, keep that head up.

That's not how I open. [laughter]. Um but like I mean, you got like the. Yeah, I don't know, man. I just I don't. know. Okay. Um. Oh, you said she's just looking for a. placeholder dad for their kid for her. kid. Oh, no, this is all the single moms. that you're matching with on Facebook. dating. Never mind, sorry. >> Used used to. I'm not on Facebook dating anymore. >> Okay. That's good, I think. I don't know. So, what is this grand. move to the Philippines? How am I.

getting you there? Cuz you have tens of. thousands of dollars in the bad debt. that we're about to get into, but. >> I just I just. I just want to get rid of all my debt. And if [clears throat] I can do that. >> Well, working a job would be a really. good first start. Applying to 11 jobs, most of which are. already closed because it's been a. while. What are you doing all day? What is your. day defined as? Come on, you have to. just be gaming. >> Actually, no. I have two dogs. >> What? >> I have two dogs. >> Mhm. That doesn't take that much time. >> I bring them to the dog park every day.

for a couple of hours, then I come home. I sit. >> of hours? That's. It's a lot, especially in San Antonio. heat. I'll be honest. >> I have a husky and an American staff. >> That's actually That might be too much. for the husky in in San Antonio heat. >> Actually, no. She loves it. She She. loves the outdoors. >> fun, but they don't know what's good for. them. They'll run until they collapse. when catching balls. I better learn that. from mine. We have to stop him. >> [ __ ]. >> [clears throat]. >> Yes, when it's 100° with 80% humidity. >> If it's over 100, I don't bring I don't.

bring [clears throat] them outside. >> what are you going to do be doing for. the next 5 months when it's over 100°. every day? Buddy, you've applied to 11. jobs. They're all closed cuz those are. old applications. What does your day. actually look like? Give me your phone. again. Open it. Prick. >> I don't know. Doing nothing. >> See, you're You do exactly what you said. you're not. You do Come on, you're. gaming all day every day. >> Yeah, a little bit. >> A little bit? You're a loser, incel. Except you're not actually an incel.

That word has no weight anymore. You. somehow do stick it in, but it's because. you picked up. >> Come on. >> It's beca- I'm sorry. You found the. ugliest person in San Antonio. I mean, I'm sorry. Again, she doesn't know I'm making fun. of her cuz she doesn't even know who. we're talking about. But, you found the. ugliest person in San Antonio. That's why. Okay, yeah, I'm being told you game 10. to 15 hours a day. That's it. You can't tell me you want to. pay off that if you're gaming 10 to 15. hours a day. YOU LITERALLY CANNOT.

YOU CAN'T. >> I HAVE an $8,000 custom-built PC. >> Cool. MINE'S EVEN BETTER. I DON'T GAME. I don't game for even an hour a day. Rip. >> Who are you texting? >> No one. >> Okay. >> [ __ ] I'm looking at your screen. time. Free. >> Uh sorry. >> Dude, you're on your phone 12 hours a. day. >> Nope. >> Daily average is 16 hours 20 minutes on. his phone. On his phone. And then he. games 10 hours a day. So, you're doing. both at the same time. >> Yeah, a little bit. >> Oh, it was worse last week. Last week.

was 18 hours a day. He averages 18 hours a day. >> [laughter]. >> You're laughing at that? No, you average. 18 hours a day on your phone. No, no, no, no. You can't complain about. not getting girlfriends. No [ __ ] they. would leave. My girlfriend would slit my throat in my. sleep. 17 hours on Discord. 18. And then I'm. sure you got something on the computer. What are you doing? 17 hours and 7. minutes on Apple Maps last week.

>> Um. >> What are you doing? It was all on Friday. and Saturday. >> Okay, so Friday and Saturday I was. actually. >> no, that wasn't Friday and Saturday. I I. I don't know, but go ahead. >> Friday and Saturday I was actually up. here doing Amazon Flex. >> Is that why you were also on Amazon for. 16 hours last week? >> Yeah. >> Okay, that would make more sense. So, let's go to the previous week. Okay, remote. remote. >> Apple Apple TV. >> Apple TV, you were on for 24 hours. >> I lose my remote, so I use my phone as.

the remote. >> used that for 24 hours the previous. week. >> Mhm. >> Oh. >> I don't keep track of that. >> Discord, 22 hours. TikTok, a lot of. TikTok, 9 hours, Chrome. Still Apple Maps. Dude, this is. pathetic. This is pathetic. Your last 2. weeks were the same amount of average by. 2 minutes. 2 minutes. per day. on your phone. This is pathetic. Slime Castle, this. week so far, we're only halfway through.

the week. Slime Castle, some game where. you're probably purchasing an app. Actually 3 hours and 40 minutes. >> Actually not. >> 3 hours and 40 minutes, though. >> I don't purchase. >> Doesn't matter. 3 hours and 40 minutes. that you could be working on or applying. to jobs. >> Cuz I'm pretty sure I left it open and. >> Quiet. You applied to 11 jobs. And you spent 4 hours this week so far. on Slime Castle. Okay, let's say you left it open. You. spent 5 hours this week so far. Again, it's only Wednesday. 5 hours this week. so far on TikTok.

7 hours, 12 minutes only on the phone. version on Discord. More on your PC. I. wish I had that. >> Yeah, no, you don't want that. It's more. >> Exactly. What are you playing? >> Uh. >> Loser. >> I play Warframe and a lot of other. games. Um Arc Raiders. >> I know that one. >> Warf- Warframe's the. >> You said that one. >> Fortnite. >> [clears throat]. >> Still.

>> And I have a lot of other games. I don't. keep track of which games I actually. play. >> Yeah, you know what we're doing next. You know exactly what we're doing next. I'm sorry. You don't get to complain. about American women. Summer is the. perfect time to get your budget in. shape. And now that DollarWise is. officially the best budgeting app on the. market, I'm giving you a special [music].

deal to download, but only for a limited. time. When you you up for DollarWise. annual, you'll get my four course. educational bundle as a special bonus. So, you can get financially ripped while. you track your money. And normally, this. would cost over $700, by the way. But, when you claim your summer budget reset. discount, [music] you'll only pay $249. for a full year of budgeting and. lifetime [music] access to my four. best-selling courses. Oh, and you'll. also get a free copy of my.

budget-friendly cookbook PDF to. download, so you can also get your body. in shape, too. Don't wait until your. first vacation to try to get your. finances together. Go to dollarwise.com. or click that link in the description. below. It's kind of [ __ ] stupid, I'll be. honest, but what's not is actually. getting a checking account that gives. you free money. Free money, we like free. money. You can get up to $200 in bonus. cash right now when you sign up for the. checking account that I use, Chime.

Also, it makes your savings grow at a. 3.5 APY interest rate. Guys, you can. watch Financial Audit and get free money. at the same time. Who would have. thought? That's incredible. Check it. out. Link in the description below. There's actually a lot of issues in the. gender wars that are currently taking. place online that are valid concerns. But, you don't get to complain. You. game, spend all your time on Discord all. day, and jack off, and and you're the. fattest woman I've ever witnessed. And. I'm sorry, she just needs to lose weight. so she can survive longer. Not trying to. insult her. She's just like, you are.

beyond You're not like hot, but you are. beyond her league. Like, I'm talking. She's immobile. Okay. Hold on, I have to. reset my Steam password. Wait, you've. been engaged? Yeah. Okay, so obviously, you just you don't. know how to date. You're bad at dating. once you're actually in it, and you've. never learned those skills. And that is. why you're trying to flee to a third. world to get someone that just can't.

escape cuz you have money. Come on. I mean, let's be honest. That's what the. first 45 minutes have taught us. And. that's what unfortunately I guess I'm. helping you to do cuz I'm willing to. help people towards their goals unless. it's like a bad goal. But if someone. wants to consensually date you that's I. mean that's fine. Guess you did poly after that and then. you got kicked out of the house. And lived with the husband's parents. that you were in a poly relationship. with. This is so weird, man. Dude, I. don't This isn't you. This isn't you. This No, it is you. It isn't anyone. else.

You're a five out of 10. You can date other five out of 10s. Look. match, man. >> GOT GAMES ON YOUR PHONE? >> Are you in yet? >> Give me a second. >> He can't even log into his own Steam, the app he's in the. >> I'm not I'm I never logged into the. actual app. >> Well, log into the actual app. Buddy, just. the the people you are with I really. don't understand. Like the quality of people you're with.

That woman you showed me I'm so sorry. This is I'm just trying to paint a. picture for the audience. Literally. like two people in the history of the. show have been that bad. Like it's bad. Like I don't think you understand. It's. not like general ugly or unattractive. Like it's bad. Like I don't know you get up? Okay, [ __ ]. But you get up. Okay. Actually haven't played this one. in two weeks apparently, but Tell me if.

this is a lot cuz I'm just not sure. But. he's played 1,100 hours Warframe. >> It's actually more. >> How? >> Cuz I I the game came out in 2012. I. used to play on. Xbox and and PC. >> Oh, so just on Steam alone. >> Yeah. >> you've played 421 days. worth. Is that considered a lot for. gaming? >> It's a good game. What can I say?

>> Okay, but then Smite you also did 264, Skyrim 209. Like you're spending your. entire life on these games. So many. Clicker Heroes is 175 alone. >> I I just. >> This goon anime game, Doki Doki. Literature Club. >> My friend had me. >> Who's 206? Your friend had you download. and then you played 206 hours. >> I left it open. >> Oh, huh? All these are all left open? >> to god, except for Warframe.

>> No [ __ ] You spent nine days playing. that. Dude, I don't know man. All right. What do you think your. financial score is zero to 10? Zero. being the worst, 10 being the best. >> Probably zero. >> Yeah, you're. Ladies and gentlemen, if you want your. Hammer Financial Score, you can get it. for free, personalized to you and your. situation by taking the assessment at. calebhammer.com. Just click that link. below or go to calebhammer.com, take it. for free. And if you do not want to be. like you guys who ends up on the show, especially him, listen, download the. Dollar Wise Budgeting app. It has tens. of thousands of monthly active users for.

a reason. There's a free trial to see if. you like it, and most people do and then. they upgrade to the annual version cuz. it saves a lot of money and you get my. 30-day budget meal plan broken out for. every snack, every drink, everything. So. you can budget. your amazing meal plan, still eat good. food on a monthly basis. I'll sign this. email directly to you and you'll also. get the digital version of the cookbook. so you can make every recipe in this as. well. It is great, guys. Check it out. dollarwise.com or click the link in the. description below or just download it. from the app store, your choice.

Navy Federal. >> Yep. >> Is that the branch you were in? What branch were you in? >> Army. >> Okay. Where were you stationed? >> Uh. Fort Lee, Virginia. >> Did you ever go overseas? >> No. >> Right. Okay. Right. And you're trying to get $4,000 a month? >> Mhm. >> Okay. I want to make sure. You don't need to. see combat. I I I hold that position, absolutely.

Man, okay. Okay, I'm sorry. Your. disability income right now is what? >> 2,100 a month. >> Trying to get up to that four? >> Yeah. >> Okay. Just for anything and everything? >> Mhm. >> Okay. Just wanted to hear you say it again. You're not able to define why you think. you. should get it. >> I'm just trying to get it get my. my my. my disability rating up so I'd be better. off financially.

>> [laughter]. >> We don't even look for veterans in our. casting, do we? No, that's not even a part of cuz I I've. seen like tweets and stuff like no, Kill. Tony is looking for like the worst. veterans and stuff like this to like. smear the disability. We don't look for. veterans in our application process. We. look for bad finances. But then you just come on the show and. you just say this. We didn't prompt you. You aren't coached. You are a real.

person that lives in San Antonio. >> Mhm. >> You just don't want to work. You want to sit home and play video. games all day. He's on Discord. We have. his hours on his phone. The days he has. spent playing those video games. He just. said he wants to get it up to 100% so he. can just have better finances. It's It's. right here. This episode is showing it. Come on. Drop it for a second. Drop the. trying to look good if you even were, I. don't know. But just drop it. Can we be. Can we be honest? Are you just trying to.

get 100%. There will be no consequences for me. I. will not yell at you, whatever. Be honest. Are you just trying to get. 100% so you can make more money so you. can just live a more chill life and play. video games? >> No, I actually. my mental health is pretty bad. >> Okay, but is that through your actual. service though? >> Yeah. >> Okay. Okay, but literally. all you do all day is just play video.

games. How much therapy do you do? >> I go to I go to the VA least once a. month. >> One one time a month you do therapy? That's it? Buddy, if your mental health. is so extremely bad, you can't only do. one time a month. And then just play video games 24 hours. a day. That that can't be good for you. locked inside all day. is not going to be good for you. regardless. But I think we have a full. picture now. I'm not saying you shouldn't get. anything or that you don't deserve.

anything. Obviously, if that guy stuck a. gun in your face, that's crazy. You. might you might have some back issues. from basic training and that's you know. what everyone says, right? Maybe tonight. has happened from a pan hitting I don't. know. But it's like listen, clearly with. the language and words you're using. about just trying to get more money to. improve your financial situation. Like. that's exactly what you said and we have. your screen time, we have what you do on. a daily basis and you choose to not. work. You've applied to 11 jobs ever. Ever. >> Not ever. >> On Indeed, the platform you bragged. about using, it's 11. So far.

Listen, it's a clear picture. You said. it yourself. I didn't even have to do it. for you. Okay? >> Okay. >> You're not getting any social. interaction, you're not doing anything. And I'm introverted as well, I get it, but you still need at least a little. Every human being does, it is natural. So Navy Federal, you owe $403.30. Minimum monthly payment $20. Well, it's over its credit limit. And so, you know, obviously we give you money.

You choose not to work. You only take one class. You put everything on credit cards. And then you're not going to pay this. back and um. you know, we'll be responsible for it in the end. with our rates being higher and whatnot. because you are the risk that they. calculate into their percentages. Cuz you just don't pay your debt. >> I do sometimes. >> No. Where's the sometimes? I don't hear. the sometimes. This is above the limit. You spend immediately what you put on it.

and then more. $54.99 while interest is. accruing. You're a leech. You're You're. a societal leech. And I am Thank you for. your service. I will say that. At least. you provided to the country. You served. to the country. I appreciate that. That. 3 years I assume? >> Uh a year. A year and some change. >> What happened? That's not the normal. You got a discharge of some kind? >> General under honorable. >> Why? >> Cuz my. >> The gun incident?

>> My commander also didn't like me. >> Okay, so conveniently you're always let. go from every job ever. Either through cutting your hours, telling you to go home, or they just. didn't like you. Same with your. girlfriends. It's starting to make a pattern. Why didn't he like you? Probably because. you were [ __ ] but go ahead. >> I wasn't [ __ ] I was a decent sol- I was. a decent soldier. >> Okay, you're a cook. >> I was a soldier. >> Sure. Okay, I guess. Yes, I mean I get.

it. I know I'll get cooked for that. comment. But come on. Like But wasn't that your. That's what you were responsible for? >> Mhm. >> Okay. You must not have been very good. Must have been something up. >> I mean, I was known as the contraband. kingpin. >> So why was it an honorable discharge. then if you were the contraband kingpin? >> Cuz they I never got caught. >> And we're going to give you $4,000 a. month for the rest of your life. Okay, plus it 2.5% a year.

What were you contraband in? >> Uh. vapes, food, mainly vapes. >> How are you getting vapes? >> Um there was a place off post that would. deliver on on post. that. Satur- or. Sundays when people would go to church, I would I. I would call call the vapes for hey, meet meet me here and then yeah. >> Okay. >> They would deliver it and then I I would.

resell it for about triple or quadruple. what it's actually it was actually. worth. >> You're a dealer on base. >> [laughter]. >> Contraband kingpin. >> That's you. That's you, Dux. It absolutely is. Wow, okay. Can they take back the honorable. discharge? Is that a thing that can. happen? Is that. No? >> Uh probably not. >> I hope for your sake. Pull that mic.

closer to your face. >> [snorts]. >> Okay. Let's see what he's spending money. on that is not paying off and going. above the limit. It's all Apple bills. Good reflexes. The training worked. >> [laughter]. >> Apple bill, Apple bill, Apple bill, Apple bill, Apple bill, Apple bill. What are you doing? What is it? How can. I see what that charge is? I want to. see. I need to see. Pull it up. somewhere, whatever it is. Oh. Here we go. Oh, it's another instance of. this this. modern economy. There's so many good.

opportunities, but everyone thinks. they're the next. XQC or whatever. You told Colton now that you're. unemployed that you can focus on. streaming. And apparently again, cuz you used to do. it. >> I'm not focusing on it. I do it when I. want. >> Well, you told Colton now you can't cuz. you're unemployed. >> I can, yeah. [clears throat]. >> Are you going to? >> I don't know. >> Oh my gosh. Dude, just subscriptions. You have more. subscriptions than I I.

Okay, Apple Care, that one's fine. Then. Apple Music, then Apple TV, then. uh Aura, which is good for security and. protection. I can at least appreciate. that. It's protecting you, but then. Crunchyroll, that's not. Discord Nitro, that certainly isn't. Good short short. dramas hub. >> Yeah. >> What? >> It's like storytelling and [ __ ]. >> What? I don't know. It's It's free on YouTube. Just get some people to tell you stories. on YouTube. Snapchat Plus? >> Yeah. >> For? >> My.

my um what's it called? My storage was going up up and up. >> On Snapchat? >> Yeah. So, I decided to get the. >> What? >> Stuff I find on on TikTok, I post it to. my stories. My my story on Snapchat and it just got. >> And you pay for that. Oh my. iCloud Plus, obviously, that's normal. But, you have a very expensive option. The [ __ ] are you doing on Snapchat, you. little [ __ ] freak? What is this? >> Here we go.

>> You're talking to the women. >> Hm? >> So, internet girls. You're an e-girl or. e-girl chatter. >> No. >> Yes. Okay, who's. >> Uh. Jesus Christ. >> [sighs and gasps]. >> I had known her from when I was in high. school. >> Oh, there you go. Yep, she's sending. want nudes was her most recent chat if. she's sending big cleavages with Okay, you're into the big girls? That's your. type? >> Mhm. >> Okay, that's good. I love it. You know. what? I'm glad. They need love, too.

Oh, wow. Um yeah, very big cleavages. Uh. who's. >> Uh friend from from Pennsylvania. >> Oh, yeah, you have a friend from. Pennsylvania? >> Mhm. >> Yeah, how'd you meet your friend from. Pennsylvania? >> Discord. >> Yeah, who's. >> Some person that randomly added me. >> Okay, who's. >> Girlfriend. >> The current one?

>> Mhm. >> I did not want to open those snaps then. Oh. >> Friend from Ohio. >> And how'd you get a friend from Ohio? >> Discord. >> Oh, interesting. Uh. >> Friend from the UK. >> How'd you get a friend from the UK? >> Discord. >> That's interesting. >> Army army buddy. >> Why are you guys sending each other. pictures of vapes?

>> Cuz she vapes as well. >> So we send each other pictures of vapes? You have women in here like crazy. Oh, but these are women that you're just. adding who have not added you back. >> A girl I used to talk to. >> Mhm. Dude, you're a online gooner and. then you just finagle this woman I've. ever seen in my life in real life. Uh so. yeah, there's all the Apple bills. You're just letting them accrue at 18%. interest, right?

Um and then you're putting it above the. limit. Credit One is like if you have. Credit One, means you have like. basically it's the worst credit card one. of the worst credit cards you can get. It just means you're. You're friend. >> Yeah. >> Okay. So what's going on with Credit One? >> No, no, I haven't used that card in a. while. >> Well, you can't. It's. >> I. >> because it's above the limit. >> Mhm. >> Yeah, but like 15%. >> Yeah. >> That's why you can't.

Not because you're not spending, because. you're being a good boy. You're not. being a good boy, you're being a bad. boy. Is that getting you turned down? It's. like the most intimate you've had in. person in years. Okay, so on Credit One, you owe $348.98. For what? What were you getting? Minimum monthly payment. Well, you were. past due. Well, you're past due 2. months. Why can't you just make a. minimum. Oh, because you won't work. Because you. quit every job you get. YOU APPLY TO A.

JOB, YOU GET IT FOR A SECOND, AND THEN. YOU QUIT. I SAW THE TWO JOBS YOU HAD IN. THERE that you applied to. Two to 11, YOU GOT ACCEPTED, AND YOU WALKED AWAY. WHAT'S THE LONGEST YOU'VE HAD A JOB? AND. IT CAN'T be the military cuz that was. only a year. >> Oh, no, like 2 years at a vape shop in. Houston. >> Oh my gosh, how does it always come back. to vaping with you? What is. Is THIS YOUR. WHAT? WHY? WHY? IS THAT THAT'S YOUR. LIFE? >> It's not my life. It's just. the majority of my life. >> Uh-huh. Yeah, you vape, you goon to. little Discord kittens, and.

>> I don't goon. >> Oh, shut the [ __ ] up. You're a pathetic. loser. Let's be honest. You're as close. to being an incel without being an incel. that you can possibly get. Have you not gone down the red pill. community? No. >> I have not. I live under a rock. I don't. even know what the [ __ ] that is. >> Who do you watch? >> What, on like YouTube? Uh-huh. >> Who are your influencers? >> I watch you on a regular basis. >> Oh, [ __ ] I I'm not a red piller. [laughter] I'm not I'm not.

>> You asked who I watched. >> [ __ ] [snorts]. >> [laughter]. >> I'm not. >> You're probably actually my most. watched. >> I [ __ ] on men and women equally. As you can see in this episode, but. sake. >> A few people, a few stream um. >> I haven't given you any of the I never. give you any of the advice that your. life is living right now, though. So, I don't understand. Okay, yeah, who are the streamers? >> My friend Reese's Cups, I met him. through a a military community.

>> Okay, next? >> Um. I don't even know. I'd have to. Can I look? >> Just who do you watch? Who are the. people you look up to? >> Not a whole lot of people. >> Classic red pill YouTuber, Caleb Hammer, I guess. >> [laughter]. >> Incel community. You know the majority. of our viewership is female, right? >> No. >> It is, 55%. And politically right down the middle. 20% almost 20% lib, almost 30%. conservative, the rest.

centrist. Okay, well I'm surprised you haven't. fallen down the red pill. You can do you. just you like present yourself as like. that. You know, you're you can't get laid by. anyone above a one. So you kind of just. like you want to go to Asia. >> Actually, hold on. Let me. >> His brain's cooking. >> That's my ex-fiancée. >> Okay. You're using that as a flex He. showed me a four as a flex. >> She's not a four. >> Brandon, can you come look?

Come look at this. five filtered photo. >> What's going on, big guy? What? >> I'm just I'm not trying to. I I I can be a little more rude to them. cuz they'll never know I'm being rude to. them cuz you don't even know they don't. know who I'm even showing. Not even that. Well, you [ __ ] you said fiancée. So she. might know. Uh but like I'm. Let's uh okay. Okay. Show me a picture. of your dream woman that you're going. for. You look for that as I look through.

through this document. Pull up just a. picture. I just want to see the. direction we're trying to get you. towards. We all have our own types and it's okay. If that's your 10. >> I wouldn't say she she's a 10 she was a. 10, but. >> Okay. So interest fees are all accruing. 28.74% interest rate. Over the limit fees and again, you're. behind by 3 months. Normally it's a $30. minimum monthly payment, but you owe 90. now. No, keep looking. I said I'm going. through this while you do that. >> I don't have.

>> You don't have like a celebrity or. something just like a generic woman? Describe. What does she look like? Dream woman that we're getting. I want you to find love, man. What is. it? >> I have no preference. >> That's not necessarily good. >> It's okay to have a preference. >> I don't, though. >> So, anyone? >> Anyone? >> Anyone with a hole. >> I wouldn't say anyone.

>> Well, you just said you have no. preference, and I've seen your current. So. She's bedridden. Which is okay, good for. her, but I'm mostly just shit-talking. you. So, it's like. I'm really surprised you're not in that. like incel [ __ ]. >> Okay. Okay. >> Well, I'm happy you have it, but I I do. got to get you to not be a loser, man. What is that Credit One? You just opened. in November. November was a few months. ago. >> Yeah. >> And it's over maxed out and you're. already not paying it?

>> I'll pay it off eventually. >> Well, how? Why? >> When I get paid from the VA next. >> You're always getting paid from the VA. How what's going to change? It's been 3. months of not. You got paid from the VA. during those 3 months. >> Mhm. >> How does this change in month four? >> I had a lot of stuff come up. >> What came up? Gamer on Discord all day. >> There was an issue back in January with. the place I was living at. They told me something and it. Could just don't.

>> I already have. >> If you want to land a high-paying job, but don't have experience or a degree, then you need to learn about Course. Careers. It is the easiest way to land. the high-paying career that you've been. dreaming of. I've done financial audits. for hundreds of people and what I've. learned is that the single biggest. factor someone can take to improve their. life is getting a higher-paying job, and. that is why I've been such a huge. promoter and even an investor in Course. Careers. The way it works is you simply. go through an affordable online course. to start a new high-paying career path.

They teach many different in-demand jobs. ranging from technology sales to. accounting, construction project. management, the trades like electrician, plumbing, HVAC, supply chain, and many. others that can be done remotely. And. the coolest part about Course Careers is. their platform works for people who. don't have any previous experience or. degrees. Their courses teach you. everything you need to know to land your. first entry-level job. And they have a. 100% free introductory course for each. career that teaches you all about what. the job is like, how much money you'd.

make, and how exactly to land your first. job with starting from scratch. Click. the link below to sign up for one of. their free courses today. >> And don't forget I want you to be on the. next episode of Financial Audit. So, go. to CalebHammer.com/apply. or click that link in the description. below. You'll have a great time and I'm. going to roast the [ __ ] out of you. >> Um the the place I'm staying at right. now basically told me that I only had to. pay X amount when I was actually the. full amount cuz the person thought I. paid more the fr- fr- fr- from the.

previous month. And yeah, so. >> Oh, oh, oh, well. Good conclusion. Okay, and then the other two months? >> Catching up on car payments. >> Oh, you're catching up on car payments. >> Mhm. >> You're going to be Oh, you're in student. housing and you're going to be kicked. out in July. >> Mhm. >> So, that's when the Philippines are. happening? How are you even affording to. get there? All your cards are maxed out. Okay, here's a card. Okay, this is. like $7 under maxed out. Well,

17. Quicksilver, what's going on? You're. spending. >> Spending, but I gen- um I opened that. card sometime last year. >> Uh-huh. When interest is accruing, accruing, so don't tell me you paid it. off. >> No, it's not paid off yet. >> Uh-huh. $183.36, $25 minimum monthly payment. All your. spending on all the cards we've seen so. far are all [ __ ] And what about. your dogs? Hm? You're taking your dogs to the. Philippines? You're going to transport. your dogs? That's expensive.

>> Yeah. >> How I don't know how I do not know how. you're affording this. Again, it's for. membership. It's for Google One, Petco, Starbucks, Amazon, Amazon. You spent something at the VCA Care. Club. >> Yeah. >> What? >> Dog. Uh well, a wellness plan for my dogs. >> And then Burger Boy. Show me your. Amazon. Wait, you just got your dogs a month. ago? >> 2 months. >> Oh, that's why you're with them 2 hours. a day at the dog park. You got two dogs at the same time? You.

didn't even test with one first? >> A week. It was like a week. The first one was lonely. >> Well, they shouldn't be if you're doing. your job. >> You say Amazon? >> I said Amazon. Oh my goodness. I have your next card. and it's insane. >> Me? >> All right. You don't want a gun, do you? >> No. >> I think.

Okay, I'll see what we got. Uh dogs harnesses, waterproof air tag. So, I can appreciate that. Drill, you. got to get a drill. Search protector. Okay, that stuff is fine. Metal. adjustable furniture stuff. Okay, that's. a bit odd. Magnetic tape measure. You. didn't have one. Okay, if you didn't, that's fine. >> I don't clean out the the the the save. for later stuff. >> Okay, you're you're fine. That wasn't. save for later. Those were your orders. But, those are fine. Those are fine. And.

you're allowed to have your dogs in the. student housing, these two dogs? >> Yeah. >> Okay. And then what happens in July when. you're kicked out? >> Figure it out from there. >> Wow, great plan. That's your plan? >> Jesus, take the wheel. >> Uh-huh. Uh. Okay, well, it's not just you anymore. Now, it's two living things. >> Mhm. >> It's not as cute. >> No, I I'm well aware. And they're well. taken care of. >> Which is why you've left. both jobs and income sources.

But, it's why you're trying to get to. 100%. Atlas credit card. Not a huge balance. >> Mhm. >> Well, it started at zero. Look Okay, this looks like a charge card. >> So, Atlas is um. what you put in is what your credit. limit is. >> just said. >> Mhm. >> $80.36, and that's what it is immediately due. with that since your monthly payment. This is what's it due. But, of course, we're not using it to just build credit. We're not using it for anything. productive. What are we using it. [laughter] for?

Charlie's, Plex, Dutch Bros, Burger Boy, Dutch Bros, Canteen, Burger Boy, Domino's, Domino's. They were giving you. money. You. They were giving you money. You. [ __ ] PAPA JOHN'S. GO INSIDE AND GET. SOME [ __ ] Maybe. >> No, it's all [ __ ] I can already. >> It's all [ __ ] What are you getting. at the gas station when you go inside. and you're like, "Mhm, mhm, yum, yum, yum.". >> Energy drinks. >> Why is it every. I don't understand. Listen. >> Here. Gamer Supps. Gamer Supps. This is. what you're doing. Just like you make.

coffee at home, you make your energy. drinks at home. This [ __ ] is so good. Every audience member who has tried it, every guest who has tried it, they love. it. With my discount code of 10% off at. gamersupps.gg, link in the description. below, use code Caleb. It is 10% off, and that brings each serving to 40 cents. instead of a $4 energy drink. Stop being. a dumb ass. The flavors are incredible. Get your free samples to figure out. which flavor you like. Also have to use. my link to get those free samples. Type. in code Caleb. And then, um yeah. See. what flavor you like, and then get yours.

at 40 cents a serving. You've had four. energy drinks since you've been here, I've been told. What the [ __ ] Your. heart's going to explode. >> No, it's it's it's good. >> Nah. >> It's good. >> Nah. No. Nah. Okay, lots of membership. fees so far. Just already got like 100. bucks just for this Atlas thing. Oh, you. have another Atlas. >> No, it's the same thing. >> What? You said last time they did his heart. rate it was 30 beats per minute. >> Mhm. >> That seems. >> Very, very, very low. >> What does that mean? I don't even know. what that means.

>> Like. uh the VA was just like The VA wanted to. put a heart monitor on me for about 2. weeks and they did and it turned out to. be nothing. My heart rate is just. naturally that low. >> Well, four energy drinks this morning is. scary. Oh, here it is. I was wondering where. the tens of thousands of dollars of debt. is. Collections. >> Yeah. >> They're lending you credit cards and you. have this much collections. Okay. 304, for what?

>> Hm? >> $304 went to collections, for what? >> I don't remember. >> Great. IC Systems, 2,249. >> Probably a cell phone company. >> What? You just. >> So, when I couldn't afford the cell. phones anymore, I would just. Put them to I would switch the phone to. a different company. And then just stop paying on it with the. original company. This one's fully paid. off though.

>> Oh, good. Uh Fig Loans Texas. Maybe it was like a. payday loan. $162. Were you taking out. payday loans? >> Yeah. >> What happened? What were you doing? Why. can't you just get a job? I really don't. understand. We're subsidizing you and. you still won't get a job. >> When I had that Fig Loans, it was back. in 2021. And. >> was hiring. >> They were and I just kind of forgot. about it. >> Oh, you forgot that everyone was hiring. You forgot to get a job. >> I I forgot about about that loan. >> They contact you. Okay.

>> They never did. >> Asset Solutions, so it's just a. management company, but likely another. payday loan. $116. >> I don't know. Probably. >> Buddy, what is this? 5,934. What was that for? >> Uh apartments that I used to live in. >> So, tell me what happened there. >> So, I had a I have friends in Tennessee. One of them or my friend ended up. enlisting in the army. >> [snorts]. >> and he moved down to Fort Hood.

And I was all I was in Houston and. basically what happened was is they gave. me a dog. Didn't know the dog was pregnant. >> Oh, what the. >> They told me they they had no idea. She had I think eight puppies. And it was to the point where I couldn't. just give them away after the first. couple weeks cuz you got to. >> Shelter, dude. Shelter if you can. >> what I That's what I did after 3 months.

cuz you got to. >> How did it lead to $6,000? >> Uh the puppies did damage. >> Why didn't you put them in the shelter. immediately? What damage? Why were you just letting. them run loose instead of in a pen? >> They were in a pen. They get loose. >> Better pen. People deal with this [ __ ] all the time. >> And so, yeah, that's. that 5,900. >> So, you can't date can't take care of. dogs, can't pay rent, can't do anything. What can you do?

What can you do other than video games. and vape? That's literally it. That's. all you're able to do. No? What skills do you have? >> I can't. >> What skills are marketable? You can't. even get through school. You're in one. class. How many more classes until. you're. You you have a security degree? >> I don't I was planning on doing a. um taking more classes in the fall. Like a lot more. >> have been able to do that? What's the. amount of credit hours you've ever taken. at once completely through the end of a. semester?

>> I don't remember. This is my first. actual in-person school. >> all of your brain cells away. Oh, this. is your first time. >> Yeah. >> Are you sure you can do school? I. honestly just don't know if you're there. cognitively. Like you're you are not mentally. disabled, but I think you're. dramatically low IQ. Right? >> No. >> Right? >> No. >> Okay, we will be doing your IQ test in. the post show. Officially. Yes, and your blood pressure.

and heart rate. Yes, yes. Okay? I'm concerned for you, but also I just. don't know if you could make it through. school. I really don't. >> I mean, to be fair, I also have. epilepsy. >> Okay. Well, that's a different kind of. disability. That's not a learning. disability. So, I don't. know what that has to. >> That's one of the um. >> It's okay. Parasitism entering the room. I don't. know. Your instincts kicked in. My goodness.

My goodness, we're out of asparagus. We. got to run to the back. Oh, yes, I do have one. >> [clears throat]. >> I have one. >> I have a random assortment of things. >> What is this? >> Oh, put it on your finger. Push the on. button first. I'm going to wash it. Right finger. Or let it just rest on your shoulder. Yeah, yeah, just let it rest there for a. second. >> I'll do it on this hand. >> Okay, yeah, that's going to change a. lot. >> I have issues with my right hand, so. >> Well, again, what do you not have issues. with? Okay.

Well, you're chilling, buddy. You got a. 90 bpm. I was very concerned with that. 30. I was actually medically concerned. Put it down. I need to see. Okay, it's. down to 80, but that's okay. And with a. 97 96 blood oxygen. Okay. If it was like below 94, I would start. like, uh. you know, a little worried. Yeah, it's Okay, I think your heart. rate's. kicking into normal. It's Okay, it seems. to be leveling it out around 60. Okay. Okay. >> But they were also worried, like I said,

the VA was worried cuz when they did it, I was. my heart rate was pretty low. >> Yeah, probably without your four cans of. energy drinks. Okay, you owe another 282. Probably no idea, right? When did all of. these go to collections? >> Different. >> Verizon, there's a separate one for. Verizon. That was 3,092. >> Mhm. >> So, two phones with the collections? Two phone plans and phones? >> Yeah. >> You're running out of carriers.

Do Helium, since you own your phone. outright. It's 15 bucks a month. T-Mobile's good in San Antonio and I'm. pretty sure it is. Uses that same kind. of service. Uh another credit services, 3,077. You. have $15,700. of collections. What is wrong with you? What's the newest collections? How how long is the old the newest. collections? Cuz it's going to be on. your credit for a long time. Which means. it's going to be hard to get a place. after you get kicked out. After you get. kicked out in July student housing. >> No, July is when my lease is up.

>> Exactly. Then who's going to [ __ ]. accept you with this much collections? No job. How are you getting a place? I. don't know. You're going to be homeless. with two dogs. No, that's not a joke. That is real. That is real. Veteran. homeless, not uncommon. But yours isn't. due to like crazy mental disabilities or. physical disabilities. You're just cuz. you won't work. You won't continue going. to school. You won't improve your credit. to get a place. It's all you. >> my credit. >> How? You aren't getting a job. You can't.

tell me you're trying to improve your. credit. If you don't have an income from. a job, what just because you're trying. to get to 100% so you can put more money. towards that? No. Have you seen your spending and it's all. been on [ __ ] so far? What do you mean? You're above all the. limits. You're spending money like. crazy. The Atlas card, the Navy Federal. It's [ __ ]. The Quicksilver, IT'S [ __ ] TELL ME. AGAIN how you are trying to improve your. credit, please. Please, tell me. How are. you trying to improve your credit? Tell. me. TELL ME NOW.

>> I'M TRYING, OKAY? >> NO, TELL ME how you are trying. I am. asking you to actually define how you. are trying. Please, tell me. Now. >> I got two things off of I got two things. off of um. um my credit my my credit report. I had. a self I had a self credit card. I paid. that off. >> When? >> Couple weeks ago. >> How? With what? What's your rent? >> $641 a month.

>> Okay. You're spending everything on. [ __ ] With what? How would a What. what what what what what what what what. what what what what what What's Care. like a hundred bucks? Care's not crazy. usually depending. >> What? The VCA Care? >> What? No, whatever card you just were. talking about. >> The Self? >> Self, yeah. Self is like it's a hundred. bucks. It's a credit builder. It's like. nothing crazy. >> Yeah, it's a credit builder. I ended up. having like three or four hundred. dollars. >> So, what the So, why do I have this. hundred sixty-two dollars here? Two. hundred eighty-two dollars here? One. hundred sixteen dollars here? >> Because that card was closed like three.

years ago. >> So, these have been closed. These are smaller balances. You could. have wiped out multiple and cleared your. credit a little better and improved your. credit a little better. What? Oh, buddy. Oh, car loan. Here we go. Oh, we got it. through Carvana. That's horrible. Horrible. >> Hey, they were horrible. >> they were pretty good. >> No. No. It's always overvalued and they. do not negotiate. No. Oh, fine. What do you think? Your.

seventeen thousand So, seventeen. thousand? You make no money and you have a. seventeen thousand dollar car loan at. four hundred dollars a month. What. interest rate? >> I don't know. >> Of course not. You couldn't even provide. a statement for us. We had to get it through your credit. report. $1,772. What do you think the car's worth that. you just got? >> 13. >> Yeah, exactly. Well, no, it's closer to. 15, but even still. So, they sold you,

of course, over it, and now it's going. to go dramatically down in value really. quick. 2024 Chevy Malibu, $400 a month. >> 410. >> Okay, $410 a month, and you do not know. the interest rate. >> Mhm. >> [sighs]. >> And then the insurance on that's like. 175. >> Okay, not the worst. Not obviously. Yeah, for Texas, I mean, it's kind of. mid. Okay, so what is. How's the car? Any issues? >> Uh right now, the back the.

backup camera's not working. I have to. Just got it. I know. I have to bring it. into a dealership to get it to get it. looked at. But then that means I won't have a car. for a little bit. >> What are you going to do? You don't do. You stay at home all day. I bring the. dogs to the dog park. I would actually. sell the car. Wipe off $15,000 off your debt. Get a $2,000 extra [ __ ] loan paid. off. Walk the dogs on the street.

You don't do anything. Take public. transportation or bike to a convenience. store and work there. Yes, I am not kidding. I'm not kidding. This $17,000 car loan. makes no sense for you. Sell it for 15, borrow the two, pay it off. You can't afford this. You literally. cannot afford this. It's almost as much. as your rent. Okay, come on. With a $0. month income, does a $17,000 car loan. make sense? >> No. >> No. A 10,000 doesn't even make sense, but that's what I would have come close. to allowing.

>> But I've had it for almost a year. >> a [ __ ]. I don't give a [ __ ] What How does that. change my equation? That doesn't change. the value that we're able to pull today. You're not going to do it. >> I can't. I like the car too much. Yes, you can. I like the car too much. >> not you can't, that's you don't want to. You need to learn the difference. Learn. a little discipline. You didn't get that. in a camp? >> I did. >> Then maybe you use some of those skills. This is pathetic. You're never going to. get anywhere in life. You're always. going to be a loser. You're always going.

to be single. You're going to be ones. for the rest of your life. You're always. going to have doubt. You're never going. to get anywhere. You're going to sit on. your ass and play video games at. Discord. You're never going to make any. progress. That's the easiest thing you. could do today. You could you have an. equity position that every guest on the. show would be jealous of. You have a. get-out-of-jail-free card essentially. And you're choosing not to. You're. pathetic. You're a loser and you're never going to. get anywhere. I'm just letting you know. I'm going to. be real. That's the reality, man to man. You're a loser. And I hope you get out of that. It's not.

about being introverted. No, that's. okay. It's not about communication. skills. No, that's okay. It's not about PTSD. That's okay. That's. reasonable. That's fair. You got a gun. pointed in your face. It's not about that. You won't leave your house. You won't. get off Discord. You play games all day. You can't flirt. You can't do anything. You can't hold on a relationship. You. can't pay a single debt to save your. life. You got these dogs. barely just recently that you probably. can't afford. You certainly can't take.

care of them in a way they would need. with pet insurance and checkups and. everything that they would definitely. need or surgery if that were to happen. You're literally desperate enough to. flee to the Philippines just so you can. lock a woman down with money because of. the disability that you're trying to get. to 100% just as your own words so you. can have better finances. You live a pathetic life. But you don't need to. You don't need to. You can turn this. around just learning some basic life. skills. Basic life skills. Just being a decent.

guy in relationships, being a little. caring, putting in a little time away. from video games, applying to more than. 11 jobs in your. life. And having a better responsibility and. getting rid of a car that you can't. afford cuz who cares. But the fact that. you're not willing to do that is making. me give up on you. It's pathetic. You have student loans of $15,200. Like, what the. What are we doing? >> A lot of stupid [ __ ].

>> No, you're pathetic. And I know that's insulting, but you probably had people sugarcoat. your entire life, and I don't do that. [ __ ] on this show. >> Actually, no. My dad was an army. captain. My mom was a My mom was a a. a sergeant. >> Then why the are you so pathetic? Legitimately, I don't understand. >> I don't think I'm pathetic. >> What? >> do you have to show for your life? ones.

People you're not even attracted to that. you're sticking in and out of just. needing companionship. Can't hold on a. relationship. Won't get rid of a car. Can't apply to more than 11 jobs. Is getting a boost in their rating just. so they can have better finances. Plays. video games all day. 17 hours a day on. their phone, on average. Most of it TikTok and Discord. Explain. to me how you're not a loser. You have. no defense. I'm sorry. 1 cent. Well, started with negative $497 in your.

checking. Loser. Ended with 1 cent. Oh, sorry. No, ended with $73. And it's nothing for no It's not for any. necessities. Is your rent? That's a. necessity. But, then. Albertsons. [ __ ] [ __ ] [ __ ] [ __ ]. Roadhouse. Roadhouse. Dave. Oh, you're. Dave. No, my gosh. Okay. Let me. McDonald's. Overdraft Overdraft. Overdraft three in 1 month. Oh, wait. No, I lied. Four.

Dominos. Yeah, they were supposed to. give you money. [ __ ] [ __ ]. McDonald's. Crumbl Cookies. Papa John's. Dutch Bros. Burger Boy. And Steam games. This is disgusting. You should feel disgusted. in your life. But of course, that's not even the most. up-to-date statement. When you're. talking to Colton on Monday, it's. Wednesday now. You are negative 499.

Yeah. This isn't a budget question. Your rent is affordable within your VA. disability. Car's not. You need to get rid of your car, but. you're not willing to. So, what's the. point of making a budget? Because that's. the clear win today. Okay, we're bleeping it. Tell me your. address. Wait, 1 second. Okay, give me. your address. Oh, great. Right. Okay. So, to be very clear, you.

can absolutely bike and or scooter and. or bus coming from University of Texas, San Antonio to many of places and many. of jobs including a literal mall that. you can go work retail and some [ __ ]. across the street, a massive mall. No excuses. Get rid of this car. This. isn't a budgetary question. This is you. won't apply for jobs. You won't get rid. of your car that you don't need right. now cuz you live on campus.

So, I'm not making a budget for you cuz. that's not the question. You need to. sacrifice. You need to grow the [ __ ] up. and go to therapy to someone that will. actually actually help you by giving you. some. tough love that you're not willing to. ever ex-. get in your life cuz you're a [ __ ]. You're probably having an enablement. therapist that you only see once a month. and it's not helping you. You need to. grow up. You need to become a man. Not. in the red pill weird way. I don't give. a [ __ ] about that. You just need to have. some personal responsi-. bility.

Get rid of your car. Get a job. Grow up. I'm [music] done. I'm done. Download. DollarWise and to become a piece of [ __ ]. like him. Get your hammer financial. score which for you is obviously a zero. at Caleb Hammer.com and click shut the. [ __ ] up. It's shut the [ __ ]. up. It's shut the [ __ ]. up. Enjoy Hammer League by clicking the. join button below where you get three. premium shows, high quality, incredible. shows posted every single day, six days. a week including the extra 20 minutes of. the show called the financial audit post. show [music] where oh my goodness. there's a lot to go through but we're.

also going to make him do an IQ test, do the blood pressure monitor. >> [music]. >> and yeah, there's a lot. Oh, I guess he. was he's oh my oh my. he's an actual like winner in a babe. competition. Oh my okay, join it's going. to be incredible. See you there. And you. were married or were married? Fiancé. No. kids? Well, I. do have one. You would you have a kid? You have a. child? Yes. With who? Some random in. What do you mean some random? You have a.

child with [laughter] a random woman? Don't forget the summer budget reset IS. NOW LIVE. GET A FULL YEAR OF DOLLAR WISE. premium plus my four best selling. educational courses and a digital copy. of my budget friendly cookbook and my. exclusive 30-day meal plan signed by me. and mailed directly to you. This is a. better deal than we've ever done before. and it's only for a limited time. It is. 67% off everything. So don't wait until. that first pool party to get financially. ripped. Click the link below, save big, claim your bonuses now.