What The F*ck Is This? | Financial Audit

I want to be a Disney adult. >> adult? >> Kind of, yes. >> Oh. >> I won't need to get a second job. Okay, I can make it work. I have an only pay. Make it happen. >> don't. >> I'm a a free. >> What the. >> 10 and a human. So, it's both. >> There it is, ladies and gentlemen. >> I'm a little [ __ ] I'll admit it. >> No wonder he left you. >> Something big is coming. Something. that's going to change personal finance. forever. And the first 500 members get to lead.

the charge. Go to dollarwise.com to. change the future. >> Hi, I'm Roxy. >> [music]. >> I'm 29. I'm from Grand Rapids, Michigan. And this is Financial Audit. >> It sure is. A fellow Michigander coming. on down to the much better place of. Austin, Texas. Nice to have you. What do you do up in Grand Rapids for a. living? Halfway decent town, by the way. If you have to live in Michigan, Grand. Rapids is a. >> new to the area, but I've loving it so. far, actually. Um. >> That will go away quickly. What do you.

do? >> Probably the snow is killing me, but. >> do for a living there? >> I'm a general manager for quick service. restaurants. >> Okay. Now, Grand Rapids, it's not one of. the higher places to live in the United. States, for sure. So, in terms of cost. of living, general manager of a. restaurant, might actually. make a halfway decent living there. That's. Is it a chain, big chain? >> Semi, um. >> Oh, [ __ ] Okay. Well, can you say it? If. you don't want to. Okay. >> I work for a company called Plaiables of. Michigan. We're We're.

>> Plaiables? A restaurant? >> Yeah. So, uh. >> Plaiables? >> Yes. >> Like, I'm going to go eat at Plaiables. >> Yeah. We're in Oscoda and we're in. Michigan. >> a big chain, is it? Or else did that Did. this Did that come when I left? Cuz I. guess it's been a while since I. >> It So, well, my store opened up in. November. That's why I moved over there. >> What do you make? >> I make 58 a year now. >> Okay, 58 a year. Listen, in Grand. Rapids, I mean, you should be doing at. least halfway decent. Like, are you. living it up going full rich? No, but.

58,000 bucks a year, you're living. halfway decent, pretty probably pretty. close to the median household income in. that area. I'm going to assume it's. closer to like 70 to 80. So, almost 60 alone, not too bad. What hits your account per paycheck. cycle? >> Um it hits right around. >> And what is that paycheck cycle? >> Uh it's um every 2 weeks, bi- bi-weekly, so every every other Friday. >> Okay, what hits? >> Uh right around 1,800. >> You said this is new.

>> Yeah, um well, I just got the raise, so. um I got a 3%. >> long have you been doing this? You said. you moved over for this job. That's new? >> Uh well, I got a raise coming out here. >> Oh, out there is where we are not in. Grand Rapids, by the way. Where did you. come from? >> Um Detroit area. >> Oh, okay, so it's so similar. Okay, well, that's not even that big, okay. So, 3,600 a month, right? That's what. hits our account? >> Here, yeah. >> How you doing? >> Good. I feel like it's good, you know? I. just I probably stick with my spending. and. >> a financial audit, so no, but how is it.

going? >> [laughter]. >> In actual In the real world. >> like I'm paycheck to paycheck even. though I probably shouldn't be in a. reality sense, but I feel like I'm just. not good at it. >> Probably because I have needs that I. feel like are needs, but they aren't. needs, maybe. Or maybe I'm just too giving, I'm not. sure, I guess. >> Too giving. Who would you be giving? >> People in my life that matter. >> Okay, that matter. I mean, a lot of. people matter, but if you're giving more. than when you can't even take care of. yourself, that doesn't really make. sense, and you're not really benefiting.

them long-term anyway, cuz you won't be. able to give long-term, cuz you'll. completely destroy your financial life, and you can't give. Okay. Okay, so what's going on? What are we. talking about? >> want to own real estate, Caleb. I want. to be a Disney adult, and I want to own. a Disney vacation plan. >> in Grand Rapids, you dumb. >> I know that, so I want I want to just. have a like a like either apartment or. condo in like wherever I live. Like I'm. not picking on where I live. >> You want a Disney adult? >> Kind of yes. Like. >> Kind of yes. Well, it sounds like if you.

want to buy a place in Disney, I think. Hyper. >> Yeah, like I want it to be my 30th. birthday gift actually. I want it to be. this year is I want to. >> When's 30? When is that? >> April. >> Oh, for. sake. There's not I mean that's not a. [ __ ] chance. Why didn't you prepare. for that then if that was your big. 30-year-old dream? Interesting dream by the way. But if. that was your big 30-year-old dream, what the [ __ ] were you doing at 26 to. prepare for it? >> dream. My old 30-year-old dream was to. be married and now I'm not going to be. that because of certain situations.

>> Who'd you cheat on? >> I didn't cheat on anybody. Ew. >> Okay. >> [laughter]. >> Okay. Um. And I just single forever, I assume. Which is No? >> I'm always in a relationship. I always. have people. >> What? >> I always have somebody with me. Mhm. I currently live with some with my ex. >> Wow, that's weird. Well, no way. You guys don't get freaky. >> No. >> What? You live with your ex and he. doesn't stick it in and you don't. request it to be stuck in. >> No.

>> No way. That's never happened once since. breakup. >> No. >> What? How long have you guys been broken. up? No way. >> We broke up a little bit after. Christmas. >> Oh, it's been a couple. >> The second time. We broke up a year ago. before and then I moved back in. >> like two weeks then. >> Yeah. >> It will happen. >> No. I have zero attraction toward that man. for so many reasons. >> Oh. Well, sounds like a great person to. live with then if there's so many. reasons. >> Listen, we're working we're we're we're. figuring it out. >> Figuring it out? Your exes? What are you. figuring out? To not be exes?

>> No, figuring out that I that I need to. leave now. That that's why we broke up. >> After two weeks? Of living with this guy? >> Well, no. We've We've been We've lived. together for a year and a half now. >> You said Christmas. >> We broke up at Christmas. >> Oh. Okay. Well, yeah. I understand not. moving out that quick then cuz that's. been like literally 2 weeks since the. point of filming this episode. Like actually, I think 2 weeks today, right? Was that Christmas, I think? New. Year's was 2 year Well, tomorrow. Okay,

so. you guys So, why did you just break up. cuz now you have to get find a whole new. place or he has to find a new place and. then you have to take care of that full. rent is that's chunky. What what the. [ __ ] happened? Well, I mean that's why. you've only been dating a year and a. half. You said. So, we Or you lived. together. >> We lived together for a year and a half. >> When were you dating? >> 3 and a half years. >> Okay, well, that's fair. Fair point to. move in. What the [ __ ] happened? >> Um, you know, we just. >> horrendous. You you're making it really. sound like all these crazy things. happened. >> Uh, in the end it was more just like we. we just weren't peop- we weren't the.

right person for each other. >> What the [ __ ] are you talking about then. where there's so many reasons? >> So many reasons we can't talk about. right now, Caleb. Post-show. Post-show. >> Oh, it's going to be one of those. Well, you know, it'll be good to do joint. custody. >> I appreciate that, man, and I do love. you, but I can't. >> Excuse me? >> No. Talking to him. He'll watch the show. He. watches with me every so often. Um, but I don't want to trash him. He is. a He's a good man. He's just not the man. for me. That is all. >> Well, that's fine. What are you going to. do with your living situation then? I. know when you applied for the show a.

month ago, Colton said you were. considering breaking up with him. >> It was a consideration, yes, and. >> Oh, looks like we followed through with. that. >> So, the plan for the show initially was. to see how I how I would be able to be. able to live if I did move out. >> And now I have to. >> So, now we got to figure it out. >> And he moved to Grand Rapids a year and. a half ago? >> We moved to Grand Rapids in November of. this year. >> For the job? >> For the job. >> And he followed you? >> Yes. >> Oh. >> Even though I asked him not to. >> And you were also considering breaking. up with him and he just did? He's like, "I'm just going to.".

>> We were having fights. We were having. problems and we just still wanted to. work it out. He was very determined. >> told him not to, but you wanted to work. it out. >> We were going to just live separately. Live. >> Yeah, distance after years of dating not. long distance, well we have issues. It's. always going to be successful. >> to end well. >> Okay, well I'm being told though, even. though you broke up, he doesn't consider. you guys broken up. >> He doesn't act like it, no. Like even when I left the other day to. go somewhere, he tried to he tried to.

kiss me and I was like. no. Like he he tries. But I don't reciprocate in any way and I. make it clear to him. Like I I don't. >> But it's happening in this house. >> Yeah. >> What are you doing about this living. situation, lady? >> I'm just working a lot so I'm not at. home. >> No. Well, maybe, but that's not a. long-term solution. What the [ __ ] do you. know? >> I know. So that's why. >> So what the [ __ ] is what was in your. head? What's been in your head? It's. been 2 weeks of breaking up. You haven't. thought of one plan? >> No, I haven't thought of any other. plans. I'm looking at.

>> I want to find a different place to. live. >> There it is. By when? By how? How long? >> We have discussed that we're willing to. live out the the rest of the lease, which is till till October. >> Oh, for. [ __ ] sake. So he is he is living with. you like you guys are dating. >> Kind of, yeah. But I don't want to do. that. I do not. I would like to find my own place and be. able to be on my own again. >> Your own place on your own, but when you. had the battle notes call with Colton. the other day in preparation for the. show, you were at another man's place, another penis's place.

>> Yeah. Just hanging out, you know? >> Uh-huh. Just hanging out. Uh-huh. >> I have needs, Caleb. SEX IS SEX. >> [screaming]. >> I'M A LITTLE [ __ ] I'LL ADMIT IT. >> OKAY. OH.

UH-OH. Um yikes. >> I'll admit it. I. I You got to be happy, Caleb, and. sometimes having fun makes me happy. So, I went and had fun. >> And then you really called Colton after. getting railed? >> No, that happened the night before. We. were just hanging out when when Colton. called me. >> And how does ex-boyfriend who thinks. your current boyfriend that you live. with and depend on for rent feel about. this? >> I don't have a boyfriend. >> Yes, I'm saying ex-boyfriend who thinks. he is your current boyfriend who you.

depend on for rent. What does he think. about you getting cracked? >> He doesn't know. >> He knows now. >> Okay. >> And how will this go in the household of. which you depend on rent? >> It will go fine. >> cracking is happening since since. Christmas? >> That was the first one. >> It was the first crack? >> Mhm? Yeah, I'm too busy. I I've said. >> Okay, literally it happened the night. before and then you called Colton the. next day while still at his place. I. don't think that's too busy. Most busy. people don't have that kind of. flexibility. >> I had a Sunday off.

>> Okay. Listen, no, no, no, no, take some. the. full support. We love it. We We love. slots. Be a slot. Be a [ __ ]. Do what you got to do. We love it. Everyone has needs. Huh? >> Safe slot. >> What? Okay, I didn't say you were. getting AIDS. >> I'm just saying I'm just saying. You got. to be safe about it. >> Okay, no one was advocating for. opposite. I don't What's the. >> [laughter]. >> Okay, are you wearing a blanket? >> Yeah, I'm cold. >> Huh, I've never seen someone wear a. blanket in this studio.

>> Uh, >> [clears throat]. >> you're quirky millennial. You're Gen Z though. >> I don't even really pick it up that. much. It was a gift and I just really. appreciate the gift, so I take it. everywhere. >> Quirky Gen Z's are becoming the quirky. millennials. I don't even think they. realize it yet. >> Probably. >> But it's happening. Okay, so you have to. find your own place. What's your portion. of rent right now? >> It is 700. >> You're not going to find a $700 place. Not halfway decent. It's going to be. like a thousand at least, minimum. Assuming 900. So, well, listen, I'm but. you should be able to do that with. $3,600 a month. But yet you're.

completely financially which is why. you're on this show. So, I don't think. that increase in rent is going to go so. well, cuz how are you barely How are you. surviving now if you're barely paying. your rent, most likely? >> Um. >> And how the [ __ ] are you getting to this. Disney dream based on with all this? >> Well, that's what I'm here for, Caleb. It's so that you. >> you're a dumb You're going to have to I. think that the crackening that happened. a few days ago reached your brain. >> No, I just I think that we will be able. to make it happen because.

I kill I won't need to get a second job, okay? I can make it work. I can make it. happen with what I do, cuz I have an. only Okay. Make it happen. >> No, you don't. >> Yes. Yes, I have an niche only fan. >> What? Is it rubbing your beard to the. camera? >> No, no, it's on. It's a. That's a nice. >> What's the niche? I don't You're right. I was just thinking of what could be. nichey about what you have. >> No, I sell I sell uh feet content. I. sell my.

>> That's not a unique niche. Feet That's. like half the internet. >> It's a niche because I sell not just. human feet. >> curious for I first I looked up Caleb. Hammer nude the other day. Didn't see anything. Grateful for that, cuz whoa, I used to send a lot of nudes. back in the day. Whoa, back in college. >> to hold on to them. >> Yikes. And I also wouldn't be ashamed if. they're out there. Whatever. I mean, I'll show it to you right now. Uh but, I did look up Caleb Hammer feet, and I was on the feet website. [laughter].

>> Uh. >> But, they got me. They got me. >> That's foul, I know. >> So, that's This isn't like a crazy. thing. >> No, but I'm a free feet. >> What the. >> 10 and human feet, so it's both. I sell. both human and. >> hell are you doing? >> Yeah, Caleb, I'm a free. >> Capitalism has gone too far. Maduro, become our president. We need to. go full socialist. This capitalism no. longer works. Yeah, and people are paying for this. >> Yeah, yeah. >> What are you even looking at? You better. not be pulling it up. I I will literally. flip this table.

>> They asked me to text somebody and I was. just checking to see if they did. >> They asked you to text someone? >> They did. Colton did. >> Okay, okay, okay. All right. I bet we're. making a phone call then. I will be. [clears throat] waiting for that at some. point. >> Yeah. >> [sighs]. >> Um good, as long as it's not looking up. the What the [ __ ] is a furry feet? This. is isn't it just taking a picture of a. fake foot? >> No, so um my ex is a furry artist, so he. draws the furry. >> A furry artist. >> So he literally still collaborates with.

you on this? >> We have talked about it. Yes, I will. still be um paying him to do the art, yes. >> Well, he looks at you naked. >> No. So he he draws it without having to see. me cuz it's all like a furry, so it's. just toe beans, so my toes don't look. like. >> How is this you then? >> Cuz it's [clears throat] my fursona. I'm. a furry. >> But it's just drawing art without even. looking at you, so how is it you? >> He drew my fursona. So my fursona my. fursona. >> [ __ ]. >> So he he knows how she looks naturally,

so. >> Sure, but it's not you. Why the [ __ ] are. you taking a cut? >> Well, cuz it's going on my page and it's. also my human feet. So the page is human. and furry feet. >> All right. [ __ ] it. >> Which has the niche. >> tits the other day, may as well go the. next level. >> Titties. >> Put it up on the table. Let's see it. >> Oh, no. >> No. >> Wait, my toes? >> Whip it out, dude. >> No. >> No? >> No, no free foot content, no. >> Oh, thank you. >> No. >> Okay, I was advocating for it for the. sake of content, but I was hoping you'd. say no. >> No.

>> No, trust me, you. you gave me the right answer. I am not. complaining. >> No, that no. Knee-high boots. >> No, no, don't worry. You don't have to. convince me. I'm on board with you not showing us. >> No, I understand if you content is not. for everybody and I only applaud to the. people who want to. >> also your feet. It's like I'll look at the Margaret. Qualley's feet. >> My feet. And people want to see it. People want to pay to see it, then why. not? >> I'd let Margaret Qualley piss on my. feet. Do it. She can do whatever the she. wants. >> [laughter]. >> She can do whatever she wants.

Okay. Okay. >> You know what? I am going to show you a. one on. What? >> What? >> Man, you get to see everybody's stuff, why not my toes? >> Everyone's stuff? What stuff? >> I have seen your show too many times. >> seen one pair of boobs. >> You just toes. I got to cut off the. anklet cuz it's my ex. But. >> What what do you have at the What's on. the bottom of it? >> Nothing. >> No, you got there's like a hardcore. callus happening in the middle.

>> work hard. I work hard. I didn't say I have. beautiful feet, I just have feet that. people are willing to see. >> Okay, and what are you making from this? >> I have 11 fans and I make $5 a fan. And I started about. I would say. probably like a month ago actually. >> Oh, Disney, here we come. How are the How do those 11 people even. find you, those freaks, by the way? >> I'm on Instagram, Reddit, and um X. So I.

just. >> Yeah, it's the Redditors. >> Oh, 100%, yeah. >> Oh, it's the Redditors. >> And uh I actually uh just made a. Snapchat as well so I can um. >> Oh, [ __ ]. >> make uh. >> Make what? >> Like I just sell pictures on there. Like. if people want to see. >> pic? >> Yeah. >> Uh okay. No, whatever. No. >> It's feet. >> We don't kink shame. We don't kink. shame. I mean, I do kink shame, but we. don't kink shame. Uh except I do, but. >> Just love it. >> Okay. >> I love it.

>> Well, you're not making life-changing. money off of that. What is that, 55. bucks? >> Uh right now, yeah. >> Before their cut? Before the platform's. cut? >> A little bit. >> I don't see how that gets us to Okay, first of all, is Disney is the person we. want living on your property with all. the children, the foot [ __ ]. Just throwing that out. And second, how much does this Disney property cost? So, I help people get to their goals. I. don't care what it is, kind of. Sometimes.

What? What? >> look it up. I went and priced it all out. because I knew you would need it. I did. I took the time. I did. And for. the specific one I'd want, it would cost. me either. $35,000. to $35,250. or. >> What for what? >> For for the vacation plan. That's the. price of it. >> Timeshare? >> It's like a timeshare, kind of, but like. not, Caleb. It's not. It's like not. >> Listen. Timeshares are known for being.

one of the actual halfway decent better. ones. I will say that, but still $35,000. is insane. Well, tell me what else this. has. >> So, for that, and which is with the. specific points that I think I would. need for my solo self, or I can You can do that price, or. it's $433. a month for 15 years with a 10% down. payment. And then it's only. >> Why? What the [ __ ] You work literally. a general manager at a chain restaurant.

is not a bad job, but it's also not like. the job where you're going to be in. Florida every 5 days. What the. This is expensive. This is insane. insanity expensive, honestly, for what. your position is. >> The points of the vacation plan is cuz. my family we go to Disney a lot. My mom. is. >> How How do you have this time? What What. is your pay Huh? >> My mom. >> Co- Congratulations. How do you have. this time, you dumb What are you talking. about? >> time off work. We just. >> we go. How much time do you Are you. allowed to take off work? >> As long as I have the coverage and I.

meet my certain amount of hours for my. pay period, >> What is your certain amount of hours for. your pay period period? >> eight. No, it's. 100. Sorry. I We He just increased it. from 100 hours a month. That's it. No, 100. 100 hours every pay period, so every 2. weeks. So, 200. >> sake, how do you take vacations in that? That's insane. That's more than 40 hours. a week. >> Yeah, I I am contracted 50 hours a week. in store and then 10 outside for. marketing. >> That's crazy. How. in the world. do you then have time for vacation?

>> I make the time. >> You just don't get paid? >> No, I do. So, like. >> What? That doesn't make sense. >> we [clears throat] just took, I had I. had a week's vacation cuz we get one. paid week off a year. So, I saved my week off for that. >> It's not a good job. >> It It's a newer company cuz he's. franchised. I work for a franchisee, so. >> Girl, this is a new company. >> I understand he. >> At minimum, find the financial audit.

team gets a month off a year. >> But, we also. >> It's 4 weeks, one a quarter. >> We make our schedules so that we can. take this time. Like me coming down. here, I was able to take 2 and 1/2 days. off and still make my whole like I'm. working 60 hours still this week. >> Okay. >> Even though being here, so. >> Okay. >> I make it work. >> Okay. Reason I'm saying is how many how. much can you spend in Disney a year for. this 35 thousand hours plus ongoing. maintenance [ __ ] forever? >> I mean, like a year the dues are like. 1,300. >> I'm going to die. And then actually and. then you don't get Disney tickets with. that, do you?

>> NO. NO, THAT'S. >> SO, HOW THE ARE YOU. WHAT ARE YOU. WHO IS THIS? IS THIS HIM or her? Uh I just got your furry. >> Oh, yeah. We're not going to say her name, but. yes. She's amazing. I love her. >> Yeah, no plugs, which I'm also plugging. your real name. There it is, ladies and gentlemen. >> Love her. >> If that just made you come, please let me know in the comments below. so I can shame you. >> Working on a full body art soon.

>> It's. Okay. Sure. So, how many weeks do you spend at. Disney a year of which you would have to. pay to travel for about a 4-hour flight. from Michigan, if I'm not mistaken? Three to four? So, that plus tickets. plus food plus maintenance fees, what. the [ __ ] are we even talking about? This. is insane for your type of position, no. offense to that type of position. It is. not necessarily bad, but with one paid. vacation a year, what the [ __ ] are we. doing?

What the [ __ ] are we doing? How much. time can you actually spend down there a. year? >> I don't want to actually go every single. year. So, >> What the [ __ ] You're spending $35,000. plus these endless maintenance fees to. not go every single year? >> The points stack up and move over to. every to like the next year. So, my plan. is that I'll have this for every year. and I'll save up the. And then. >> you just go to Disney every other year? >> That's the point, yeah, is I'll just. >> No, without this dumb. stupid ass. >> Because this vacation plan lets me. travel to any of the Disney vacation.

properties as long as they have. availability in that resort I want to go. to. >> Pay for that individually. >> But I'd rather have a place to just. do it at. And like this is this is like. my retirement investment. Like. >> retire- investment? What are you talking. about investment? You don't know what. the [ __ ] word investment means. You're. talking about investment. This isn't an. investment. Do you have investment? You're almost 30. Girl, you're acting. like you're five. What are you doing? >> This is my retirement investment. This. is what I want to look forward to to sit. down and actually like look forward to.

and my in my life. Like to do every each. time. Like this is Like people take time. to go do go out and travel all these. places. I want to do that. >> the YouTubers out there, Papa Gut and. his wife are big Disney adults and I. love them for that. That's great. I. also, I mean, I like Disney. I watch. Disney, whatever. Um. and I would love to go again. They wouldn't do some dumb [ __ ] like. this. They go like every year. Just go, pay for the ticket, pay for the travel,

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am I am a I love Disney, my family loves. Disney so much. I truly see that I will. always go. >> Yeah, except you're saying you won't. even go every year. >> I may not go every single year right now. because I can't afford it. That is the. point. At some point, I may want to go. every single year. >> you don't have enough money to go, how. do you go? Cuz there's no way you have. enough money to go cuz this completely. across the board [ __ ] In fact, I'm. being told Mommy covers you a lot of the. time, and that you say you'll pay Mommy. back. >> Yes, I have a uh I have a. >> So, you lied. >> Not necessarily. >> You said you don't just go, but you do.

just go. Your mother pays for it. >> If my mom wants us all to go as a. family, she will pay for us to go. >> is that? >> Every couple years. >> Yeah, but you owe her back? >> No, so I'll. >> do I have a note when you do not have. enough, mommy pays for it, and you have. to pay her back? >> On the credit card. So, if we go on a. trip and so like this last trip we went. on, she has a credit card for me that. I'm allowed to use on any purchases that. I either need emergent Typically for. emergencies when I'm at home, actually. Like, you know, anything emergency-wise. I just desperately need in a moment,

which, you know, I love her for that, and I pay her back immediately for. But. >> Why are you in that position? >> Because I'm [ __ ] up on my finances. >> How? >> Because I was stupid in my 20s and just. wanted to blow money. >> about you. You're almost 30. What do you. mean stupid in your 20s? You mean right. now. >> be clear. Low funds. >> then you shouldn't be struggling to pay. for a utility payment right now. >> Well, not utilities. So, she. >> Something as general as that shouldn't. be the concern right now from a little. bit of messing around and spending some. money in your early 20s. What are you. talking about? >> Yes.

>> She Yes, okay. >> She She has She has the cards She has. one for all of us, all of our kids. I. have two other siblings. She has one for. all of us. Just for security so that we. know she knows if we ever need anything, it's there. I don't use it unless I. actually need it. On the trip to Disney. this year, she told me that if I ran out. of money and I was going to feel like I. was going to. have less of a fun time there to use the. card. >> So, she's the queen of enablement for. her child daughter. Dude, you're almost. 30. You're literally acting like you're. seven.

What the [ __ ] is this? And it's. disgusting that she enables this. This. is crazy. What? No wonder he left you. >> I left him, hello. >> I know. I just can't believe it. Blows my mind. Blows my [ __ ]. >> I met him. He was living under his mom's. roof paying $200 a month. >> both great, okay? You're both great. I'm. >> [clears throat]. >> What are about? >> Listen, out of all out of all of my mom's kids, I would say I'm a. >> a better one. >> A better one?

>> I am the better one. >> Well, that means she's a complete. failure of a mother. >> I love my mom and she's not like that. >> No, I'm sure you love her and I'm sure. she's a nice person in general, but it. sounds like a failure of a mother if the. literal woman child is the best one. The. [ __ ] are we talking about? >> I think just all of us kids have just. made different decisions. >> Yeah, and being enabled by mom, no? I think we should call your mom. >> No. She has meetings all day long. I'm.

so sorry. >> Oh, convenient. >> She does. She works really busy on. Wednesdays and she's going into her busy. season for work, so she has to. >> Mhm. >> She does. >> Mhm. >> And it's her only day in office. She. usually works from home. >> Great. What a day for you to come down. She's obviously completely enabling you. and the whole kids. >> I mean, you you say that like why he. left me. I mean, in reality, I left him. because he cheated on me. >> Huh? >> He cheated on me. Like, I didn't trust him. He was a man-child. Like, >> He cheated? >> Oh, yeah. >> How'd you find out?

>> Oh, I found it through his phone. We. were. >> What did he do? >> He was sexually messaging another female. online. >> Okay, why do you say that like an incel? Sexually messaging another female. online. >> Because I don't I don't like it. I hate. cheating. I hate cheating so much. I. don't like. >> don't like cheating either. Sexually messaging another female. online. >> Okay, I have to say it like that because. he has told people that all he did was. flirt with somebody and that is not what. happened. No, he was. specifically sending sexual content.

>> He He sent [ __ ] [ __ ] and ballsies? >> No. >> What other sexual content is there for. >> more in the post-show. That's a little I. can't. >> it, you [ __ ] kid, dude? >> I was I was I was saying he cheated. You. asked what he did. >> Oh my gosh. Okay, the ultimate post-show. teaser this episode is. >> I know. Sorry. >> Uh, I get it. Some people want to save. some privacy stuff for the post show. So, make sure you click that join. button. Join Hammer Elite, the best. membership on YouTube, number one. >> So, why didn't you just at least just. leave him. earlier? Why did you Why did you wait. until he moved across the country for.

you, state? Sorry. >> Because when we were together when I. found out he was cheating on me, I was. 450 lbs. I know. >> How fat are you now? >> I am uh weighed in myself before I left. at 165. >> Hold on. >> Thank you. >> Wait, hold on. How How How fat were you? >> Uh 450. What? That I didn't. >> When was that? >> Um my first appointment that said that. was April 2023. >> Oh, good. That's crazy. Show me. Show me. [clears throat].

I I got We all have to see this. Throw. the picture up on screen. That's crazy. Listen, that is a little bit of. encouragement that. Oh, yeah, you were a fat. >> Yeah. Oh, yeah. >> I can say that cuz you're not that. anymore. >> Oh, and I say it all the time. >> Look at this. That's That's horrendous. I In fact, I would say disgusting, even. >> 100%. [clears throat] I was disgusting. >> know that was stinky. >> No, 100%. I was gross. >> This was stinky. >> I will full admit like. >> What? It's done. I was disgusting. I. wouldn't have get. >> I was disgusting. I hated my life.

>> Hopefully there was nothing else in. there. I just swiped through the full. photo album. >> Uh probably nothing that you want. >> Now that we know you're gooning, I got to be careful. >> No. >> Yeah, yeah, yeah. I wouldn't have. guessed in the 400s seeing that, but. jeez, that is crazy. Yeah, you bulked. up. You're hanging like 10 heads down here. >> Yeah, I was I was really big, I. >> That shows that there is potential. behavior change you're able to. implement. I don't understand why you. haven't done it for your finances. If. you have this big Disney dream, I feel. like not getting I feel like getting. extra income through, you know, pissing.

on your feet or whatever on camera isn't. what's going to be what changes your. life. I feel like implementing the same. behavior changes that you did with your. diet and whatnot. with your finances, similar. I know it's. not going to translate one to one, but. implementing something similar is what. gets you to your goal. Why haven't you. done that? >> It's one step at a time with me. I can't. I can't do a lot of things all at once. >> longer fat. When have you not been fat? >> Um. I would say I probably got down to 200. >> a sudden like snap and you were there. this month. >> No, I mean I So I had the surgery in. November 2023.

>> Oh, you did gastric bypass? >> uh. bariatric sleeve. >> Yeah, sure. Good. Yeah, that's a So the O Z O. Zempic? >> Yeah, kind of. Yes. >> O Zempic, yeah. >> Pretty much. Um but yeah, I did change. my whole lifestyle, but. for me to handle doing two separate. things like that at the same time. >> does that first one end so the second. one can start? >> No, we're going to start doing that. >> Now? But but you weren't just all of a. sudden from fat to not fat in like a. snap of the finger 2 months ago.

>> but then I've been working a lot and. which has been helped the weight loss. has been great for me. >> I'm sure and you work at a healthy. place, it sounds like, as well. >> Amazing. Highly recommend. >> No. >> Yes. >> Acai bowls? I'm okay. >> Acai. >> Yeah, one of those. I don't need that. [ __ ]. >> They're good for you. >> Well, what the [ __ ] is is an acai? >> Acai, it's a Brazilian berry. >> Uh. >> It's really good. >> Give me Give me my freedom. I want I want blueberries. I want. strawberries. >> those, too.

>> apples. [ __ ] your Brazilian berries. >> a I have a garden. >> I red, white, and blueberries. Thank you. very much. Thank you very much. So, is your ex. going to be able to pay his bills when. you leave? He seems very dependent on you or are. you dependent on him? What does he do? >> He He's a warehouse employee for a HVAC. company. >> But he draws the the furry content as. well? Does he make money off of that? >> He's trying to. He just got into I've. been trying to get him to do it for a. long time. Like last Not this last year. since Christmas. Furryism.

>> Yeah. That's He's the one who got me. into it. >> Oh, he got you into it. Great. Okay, well, you're not making off all. this extra stuff. So, I don't know why. are. putting your energy towards that where. you could be more productive and just go. get a second job or something. Which I. don't even I don't even think you have. the hours for, I'll be honest. But, really, is that what you want to be. known for? Prostituting yourself online? >> It's all on a separate persona and a. separate life. >> but it is still you. >> I don't care. It's my feet. I don't. care. >> Okay. >> like I'm showing a face or. >> But, why don't you go do something more. productive with your time and make more.

money? Cuz you're not doing well. >> I'm also not very like pushed toward it. if I. >> five bucks a month. Like, is that even. worth it? >> Not right now, but I see that it through. time, through actual cuz it's newer. So, you know, it's not going to blow up. instantly. I got to take the time to put. in the marketing and the effort to be. able to make to push it out there. So, that's why I made the Reddit and the X. and the Snapchat so I can start pushing. it more. >> Oh, you got a message today asking for. you to step on a cake. >> Yes, they asked me to bake a cake for. them like videoing making the cake with.

my hands. >> But, that's going to cost more than like. half your monthly subscriptions just to. bake a cake. >> I have cake stuff at home I bake all the. time, so it wouldn't it wouldn't be. anything on me. >> Is that good for you? >> I do like a gluten-free healthy stuff. and or I'll take it to my work and my my. teenagers that work love at. >> Teenagers? >> I manage a um. >> You have kids? >> No. >> Okay. >> Just for children. >> But, you just got cracked last week. >> Yeah. >> Could happen soon. But, in Michigan you can get rid of it, so.

>> Safety, again. >> Uh yeah, we'll see how long you do that, though. How many times do people hook up. with each other until all of a sudden. that condom is no longer there? >> Well, I don't think I'll be seeing that. again, so. >> Why? Cuz you have an issue with every. man cuz it's always their fault? >> No, I just didn't enjoy it, and so I. just won't go again. >> Yet, you stayed the night and the whole. next day. >> Yeah. He's a nice person. I just. didn't enjoy what I went there for. >> Okay. Oh, wow. The ex hasn't even told. his parents that they broke up.

>> I don't think so. So, he he keeps. telling me he told his mom, but. >> Your hookup was 3 hours away, this is. that crazy. What what the. We're driving 3 hours to. What are we doing? >> Yeah, I may have done that. >> Again, more productive with our time. That's what I am saying. We could pay to. get to your end goal here. Driving 3. hours to get. some penis? >> I know. >> What? >> It wasn't my best decision I ever. >> Where was it? Chicago? >> No, uh northern like by Traverse City. >> Oh my goodness, you went almost to the. UP, the upper peninsula. >> Yeah.

>> Just for some There's like five people. up there. Why can't you get in Grand. Rapids? It's a city of like a million. people. >> You're right. Just in the moment, he. intrigued me, and. >> He intrigued you enough to drive 3. hours? Listen, as a [ __ ] and someone. that likes to come, I've never driven. more than 30 minutes to. >> As somebody who has been in the dating. world as a bigger person, >> I've made people drive well more than 30. minutes, but. >> As somebody who has been bigger in the. in the dating world, >> Yeah, you were fat. >> I have. >> skin flapping around in the wind? >> A little bit, yes. >> Okay. Yeah, I guess not every.

>> So, I have a lot of anxiety when it. comes to being like that. So, >> What? So, how did So, going 3 hours with. a potential ew when he sees you is less. anxious than being able to just turn. around and drive 5 minutes back home? >> I think with him being so far, if if he. says ew and I can go home, >> tripped? >> No. No, no, no. No, I think it's more like if he didn't. enjoy it and I and it and, you know, I. drove the 3 hours. >> Is he attractive? >> No. >> Why though? Did you [ __ ] a. non-attractive guy? >> Cuz of what he said he would do to me.

>> What did he say he would do to you? >> I have a kinky lifestyle. >> Tell me. >> I am a submissive. I like to be. dominated, and he. >> to every woman, like 98%. >> But I have been in relationships where. I'm not. My ex is not like that, so I. would I. >> Ex is not a man, no. >> [screaming]. >> What? Spider. I killed it. >> You can't do that to me. >> I absolutely can. A spider was crawling. down my mic. Okay. Show me a picture of your ex. It's. going to be on screen. I just need to. see what this creature looks like that.

was with a 650 lb woman. Hey, so what happens, right? Every time. someone loses weight from gastric. bypass, they always leave. They always. leave. You're the leaver and the unique kink of. a woman being submissive. Never heard of. >> Not even that, it's just being with. somebody who isn't. >> Yeah, dominant. Who would have thought? What the. Can I swipe? >> Yeah, of course. >> So I want to see like more of him. Oh, jeez. He's just like a [ __ ] nerdy.

little gamer guy, but he's like normal. He's not a bad looking dude. >> No, he's a great guy. I don't get me. wrong. Let me. >> Okay, show me the hookup. How much are you investing in your OF, by the way? Cuz if that's your future, I mean I'm. being told you're ordering custom latex. [ __ ] and all this crap. >> I want to order these custom. latex. >> going to cost making $55 a month? >> Well, it'll be like $150, but I'm going. to save up. Like I wouldn't pay like I. wouldn't do it until I'm ready to do it.

That's him. >> Oh. >> Yeah, though yeah. >> He is what 50% of men have looked like. on financial audit. >> He is what I call a world of murder. >> trucker hat, big beard that is unkempt. >> Yeah. >> Ew. Okay, well good for him, I guess. He. has some. vagina. Okay, well what do you think. your financial score is? Zero to 10, zero being horrendous. 10 being. incredible. >> I would say a one. >> Okay, sounds reasonable. If you want. your hammer financial score, see where.

you stand in the world of money. It is. free. Take the assessment, just takes a. few minutes at CalebHammer.com. You can. see where you suck, what you need to do. better, and where you're already doing. pretty good. So see where you stack. against most Americans and where your. finances are. And if you don't want to. be like your guest who ends up on this. show, and you shouldn't be, then. download the DollarWise budgeting app. New features being added every single. month. In fact, at the time of this. video coming out, likely we had our. massive relaunch, and if not, it's about. to come out in like a week. Guys, it's. going to be incredible. It's going to be. the budgeting app of the future. Just. take the free trial, download the Wise.

Dollar app, or link in the description. below, and only through the end of. March, and then gone forever, if you. sign up for the annual version, which. most people do, cuz you save 50%. I will. sign my budget-friendly cookbook and. mail it directly to you. Only available. through the end of March. Get it now, and it's going away forever. Let's jump into these numbers. Hey. So, what'd you make last month? >> Probably it would have been a little. short, cuz it would have been before my. raise, so probably like 20 35, maybe 34.

>> 38? Did you work extra hours? Do you get. paid if you work more? >> Oh, I probably got tips. So, we um if I. work alone in the store, and there's. tips going through the system, I make. those tips. But, if I work. >> People getting their Brazilian berries? Why are they doing that? Okay, and how. much did you spend? >> Um. probably like 37. >> $3,779.14. Basically, everything you made. Certainly more than you normally make on. a monthly basis. But, only a couple. hundred bucks. A little more normal than. most, you know, a little better than the.

average financial audit, I guess, but. still horrible. >> didn't look over at four, cuz I thought. it was going to be a lot more. >> horrible, though. And you do not get to. your goal. You do not get to the ultimate Disney. goal with that. And again, take away the. off, and you don't even make that. You don't even break even. Where's it all going? >> Um expenses, like rent and stuff like. that. Um my car payments pretty high. Um. my personal loans are a little bit up. there, and then probably you know, I got.

I got my my Sprite my Sprite habit that. I that doesn't die. Cuz you know, can't. have too much sugar caffeine, so Sprite. Zero's my love. >> How much do you spend on Sprite Zero, you dummy? >> A lot. >> Okay, dude, just make whatever like the. lemon-lime flavor is from Gamer Supps. Just make it at home. >> I have a plug. zero calories. It's a. hydration drink. It's just as good and. it's 40 cents a serving. You can get your free samples with code. Caleb. See what flavor you like and then. get the flavor that you want in bulk. 40.

cents a serving. No more stopping and. getting some [ __ ] Spending hundreds. on Sprite zero. I mean there was. minimum $500 on [ __ ] last month. Minimum $500. >> Yeah, probably cuz I was probably. preparing for the Disney trip, too, or. for our move. So it's probably just. [ __ ] spending. >> When was the Disney trip? >> The beginning of the. >> is the Disney trip? >> The beginning of December. >> So you just got back. >> Yeah, we just got back. >> And the move? The move already happened. >> happened in November. >> So what? You're not preparing for the. move. What the [ __ ] are you talking. about preparing for the move? Your move.

Your move was in November. This is last. month. This is December. What are you. talking about? >> I believe you have documents from. October. >> That's true. That would be so far back. Why? >> I applied it. >> November, you dumb. >> Okay. >> Shut up. You don't even know what you're. talking about. >> I just couldn't remember which one I. sent you. >> What? It still matters. Like again, you. say you don't borrow from your mom and. then I call you out for borrowing from. your mom and I'm like, "Oh, I borrowed. from my mom." So it's like don't try to. lead astray. It's like, "Oh, it's kind. of been done. This was the month right. before moving. Oh wait, oh it is.

actually. once we moved.". >> But there would still be cuz there's. still moving expenses cuz we just moved. So there's still the. >> expenses isn't [ __ ] I called. [ __ ] out. Not moving expenses. >> [ __ ] could be moving expenses. >> Probably not. Going out to eat, doubt. >> No. >> I've moved across the state of Michigan. It ain't that big. Pretty short move. Not crazy. >> No, it was only about 3 hours. >> Uh-huh. >> Wasn't bad. >> Nope. So like going Austin to Dallas, and. that's barely even an inch in the state.

So that's nothing. So. you know, $500 in [ __ ] isn't just. going from east to west of Michigan. So have you looked at what your rent's. about to be once we move out, if you can. move out? >> I have looked at um, different places. around the area cuz I do need to still. stay local due to my job. >> No [ __ ]. >> Well, okay, listen. Some people can move. around, I can't. Um, so, um, it's. probably going to range between like 900. to about 1,200. >> Well, again, in your income, that's not. necessarily horrible, but when we get. all your debt together, how much debt do. you have?

>> Total of student loans, probably around. like 40 to 50,000 dollars. >> 50? 50? >> With the car and everything, yeah. >> And there's a crap ton of just. individual debt that's leading up to the. student loan. Student loan is only 14 of. that 50. The rest is just horrendous, bad, disgusting, horrible debt. >> Yeah. >> Yeah. So, how are you going to move out. and afford a place of your own? How are. you going to And then, are you going to. kick him over? >> No, I would make sure that he's like. okay. Like we would we would. >> Make sure he's okay by giving him extra. money? >> No, I would talk to him and be like,

"Hey, if you can't afford it, you need. to move out.". Or if. >> You're going to cover that whole place? What is it going to be? 1,400? >> 1,400. >> Okay. Uh, that while adding all this debt that. you probably you're not even making. progress on, while spending more than. you make, while spending hundreds on. [ __ ] on a monthly basis, how are you. paying for 1,400? >> I'm going to have to figure it out. I'm. going to have to really push my only. start really. >> Oh, girl, who the Okay. I'm glad you got a couple sign-ups. This. thing isn't growing more than like a. couple hundred a month dollars.

>> Be something to help toward the debt, won't it? >> Yes, but I would rather refocus your. energy to something more productive that. brings in more money. >> With my job, it's too demanding. I. can't. I've already tried. When I moved. out the first time from my ex a year. ago, I worked for Domino's as a delivery. driver, not at my store. >> Was that a year ago? >> Yes, I moved out. >> Well, you. >> February of 20. >> Why did you get back? Well, what the. What then? >> I got back cuz I thought we could work. it out. I needed help financially, and.

so I moved back in thinking we could. work it out. We tried, and then it just. didn't work cuz I couldn't trust him. >> Want to know a dirty little secret? And. no, I'm not starting an only. You're not broke because you suck with. money. You just can't see where it's. going. If your bank account is empty at. the end of every month, that is not bad. luck. That is bad tracking. And it's. exactly why I use DollarWize. It shows. you exactly where your money's going. every single [music] month. Spending, subscriptions, and savings all in one. simple dashboard. Everything you need.

and nothing you don't. And when you. download DollarWize today, you'll get. six to try for free, plus three [music]. months for just $9.99. So you can. finally take control and see what your. money's been doing behind your back. Click below to get started. That'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 $350 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. 3.58% API 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. Sign. up for Chime. GET THAT $350 RIGHT NOW in. your checking account. Okay, so you got. a second job. Why can't you get a second. job? >> Well, I did do the second job and it was. draining. It was to the point. >> No [ __ ] Welcome to working a [ __ ] ton, but you're you're taking care of the. [ __ ] that you got yourself into. I don't. care. >> having to leave that second job to go.

back to my first one because I had to. handle emergencies cuz I'm a general. manager. Anything that happens in that. store, I have to be there. >> Then is it the right job? >> Yes, cuz I love it. >> That's not the reason why it might be. the right job. >> the most I've ever made without having a. degree. >> Yes, that is true, but you're will be. able to roll this general manager. experience into something eventually. >> 100% and no, I'm improving my LinkedIn. and my Indeed even as we speak. Like. even last night I was working. >> how about your actual resume so you can. apply to places? But even still, we had. someone general manager at Macy's or an.

assistant manager, she made like. $70,000. Like. >> Yeah, it's a smaller company. We're. franchisee, we're growing and I don't. >> And they're not entitled to you. Go make. money with better vacation time and pay. off that better. >> It's something I can look into. What I. love the company just in general right. now, so I'm willing to take the. sacrifice now. >> I'm glad you like the company. Doesn't. mean it's always the best. I liked Jimmy. John's. I legitimately enjoyed being a. delivery driver for Jimmy John's for. what was it? Like four or five years. Doesn't mean I should obviously stay. there. It's not the best for me.

>> Yeah, but. there's also about happiness. There's. points where you're like you have to. really. >> And how happy are you not fulfilling. your dream? How happy are you not being. able to pay the rent when you're on your. own? How happy are you to have all this. debt? $34,678. in bad debt including an additional. $14,154. in student loans of a degree you do not. have. How happy are you with all that? I. would suggest not. How happy are you. when you try to go get a job to clean. all this up? You have to get called in. for the job that you are so happy about. How happy are you working 50 to 60 hours. a week and only having one week off?

Happy? You happy. You don't know happy. You haven't seen happy. That's not. necessarily a slight against you, but. I'm sorry you haven't seen the sunshine. on the other side of the [ __ ] hill. >> Compared to the other jobs I have worked. for. >> agree, but we're always trying to move. up. We don't just stay stagnant now. because we have found the happiest so. far. >> But I have to. fix my resume to match to meet those. qualities. >> takes a half a day. >> I understand. I'm a busy person. I. haven't had the chance. >> taking feet pics. Shut the [ __ ] up. You. literally just stayed over at this nasty.

ass morbidly obese bearded Northern. Michigan freak's house for over a day, three hours away, six hours drive total. Staying overnight and calling Colton. from there, freak. >> He called me. All right? We had the We. had the call on Friday and then he had. to call me on Sunday. I'm not answering that. >> It was it worth the three hour drive? >> No, I told you no. >> Then what the [ __ ] are we doing you know. that? >> I wouldn't know until you got there, would I?

>> You could. >> No. >> I don't I don't trade pictures like. that. >> ask how big. >> I didn't want to. I'm more of an. in-person thing. I'm. >> What? >> I'm more of a. >> For a 3-hour drive, you don't want to. know if it was anything worth driving. for? I don't you don't need to see a. picture. Now he might lie. I don't lie. >> Good to know. >> Not telling you. >> I don't need to know. >> Okay, listen, all of time time to drive. for micro-dick bearded morbidly obese. northern Michigan man and staying.

overnight, you have time to make a. resume. >> I need to make time to get my needs met. >> You know how you have time for your. personal life having a job that doesn't. demand 60 hours a week plus coming in. for emergencies. for only 1 week off a year by fixing a. resume and getting a better job and then. uh-oh, you have more personal time to. take penis in your holes. >> There's so many benefits to my job like. I make my own schedule so. >> You're doing 60 hours a week. Making. your own schedule, yeah, I'd hope so but. there's not much flexibility in the 60.

>> No. >> [laughter]. >> So what the [ __ ] are you talking about? >> I make it work. I make the time work. >> Okay, great. You are in delusion land. I'm glad it's the best you've ever had. I'm not saying this job is [ __ ] It's a. better job than a lot of people get. But you are in the world of delusion. thinking that you just can you're not. willing to spend a little bit of time on. a resume. It's always I will not I have. or I do. >> I have been working on my resume. >> up. What is this? What is this CC Bank loan?

>> CC Bank loan? >> Uh yeah, that you borrowed $2,400 for. with a total payments of $4,231. WHAT IS THIS [ __ ]. >> That was my personal loan I took out to. move the first time. >> To. move? You to move from across the state. Hey, guess who moved. >> is. THIS WAS TO MOVE OUT. >> IT? WHERE IS IT? I DID THIS, YOU LITTLE. I DID THIS PERSONALLY OVER AND OVER. AGAIN.

>> [laughter]. >> BEFORE I WENT DOWN TO TEXAS, A MUCH. BETTER PLACE. >> IT WASN'T FOR THAT, MARV. IT WAS. >> WHAT MOVE THEN? WHAT MOVE? >> MY EX the first time. >> WHY DID THAT COST $4,000? >> Cuz I needed a down payment. It was an. immediate move, so I needed the money. >> every single year of my life except for. the house I'm in, I BASICALLY MOVED OUT. EVERY SINGLE [ __ ] YEAR. >> A NEW PLACE. >> HAVE TO borrow for it. >> It was an instant move. We broke up and. I immediately moved. I know it was, but. why did it cost that much? Well, cuz I. >> And why didn't you have an emergency.

fund? >> Cuz I was dealing with a house issue at. the time. >> Oh, I was dealing with [ __ ] Yeah. Well, no [ __ ] you were dealing with health. issues. You were morbidly obese. >> not health. >> What the [ __ ] are you talking about? >> I used to have a mobile home that ended. up getting destroyed and we ended up. having to go through court and stuff. >> homes. >> I know, it was rough. Oh, never again. It's all taken care of now. It's all off. my my heart, so it ended up being on the. insurance's thing and whatnot, but. >> Why did it cost this much money? >> Because I had to pay for um. the um like the move-in fees and stuff.

like that, and then I got extra so that. I could have like extra money for like. expenses for like in case like I needed. extra money for like bills and stuff for. >> Extra money? The interest rate is. 159.57%. >> Yeah, I didn't see that when I signed. >> What's the balance on this? >> Got a couple more payments on it. Probably like I don't know, probably. like. three, four hundred dollars maybe, yeah. >> If it's a few more payments, it's not a. couple hundred bucks.

I'm going to say it's about 800. Let's be conservative. 800 to still pay, especially with interest, with minimum. monthly payments $211.58, which is insanity. >> And that's paid bi-weekly. >> Then you immediately moved back in with. the guy anyway, so I don't know like. what the You took out a payday loan to. move back in with him? >> Pretty much, yeah. >> And why'd you move out the first time? >> Cuz he cheated on me and I didn't trust. him. >> So that was the cheat this this most. recent breakup wasn't the cheat? >> So it's all together. So.

>> And his cheat was sending things that. weren't private parts but were. inappropriate of which I guess we. learned in the post show, great. >> Was it his [ __ ]. >> No, what? >> Then what the else is there? >> Oh my god. >> Colton? Colton? >> It's a lot. >> Colton, you have body parts. What else is there? Nipples? >> is something he didn't even know about. >> Men's nipples? >> When I told him he didn't even know what. it was. >> Wasn't even cheating or are you just a. crazy [ __ ] Hmm. I don't know. >> I've been cheated on a lot in my life. I. know what cheating is. >> Yeah, but I don't know if you know what.

cheating is. >> If somebody gets a sexual arousal from. the conversation and the videos and. pictures that they get, I see that as. cheating. >> get but I thought you said he gave. >> Oh, he gave them, too. >> What? Pictures of [ __ ]. >> No, just. >> What else is there? >> Oh my god. Oh my god. Okay. >> Watch me in the post show, god. >> Okay. >> Yeah. >> That's nice. Listen. Did you guys have an established. boundary that that was okay for him to. do? >> No. >> Well, then you guys would be bad.

>> He didn't even do it until I found out. I saw I was looking for music on his. phone. He didn't you found out? Or like. I didn't He didn't tell me about it. until I found like until I found it on. his phone. >> That's okay if I mean if you guys have. the established boundary that wouldn't. need to tell you either if that's a part. of it, but regardless. >> None. I didn't even know that. existed. >> flirting boundaries. Many people do. There's a lot of things. >> Yeah, no, I understand there's open. behavior polyamory like all that kind of. stuff flirting and like I understand. that. No, there we're we were completely. understanding that we were completely. monogamous in every single way and but.

he was still doing. >> Didn't know you're both subs. That's. great. >> Yeah. So what the. >> This is insane. Have you ever missed a. payment? >> No, it's a auto draft. I have everything. set up on auto pay. >> But it's such a chunk cuz you would just. got a raise switching into the store and. this is a huge percent. This is a big. money. >> It's huge. And it's every 2 weeks. >> That's every 2 weeks? >> Yeah, the 211 is every So it's like 422. Every month. >> Yeah, 423, round it off. >> Yeah. >> That's crazy.

>> Yeah, every paycheck it pulls it. As soon as I get paid, it's gone. >> That is crazy. Extra [clears throat]. credit, it's a personal loan again. What. is this for? Total interest paid. year-to-date, $3,000. This is a huge. balance. >> Yeah, that [clears throat]. >> Sake! >> That is a uh consolidation personal loan. I did with my bank. >> how that work? >> I mean, I'm paying it off and they pull. it from my bank. >> Yeah, well, you built up your debt. again, exactly. Every [ __ ] time. What's. the point? Wait, that's a daily interest rate with.

cuz you're actually Oh, it's a it's a. 20% interest rate. It's not even that. better than credit cards, honestly. The. minimum monthly payment, $155. So what. happened here? When was this? >> I got that. >> originally. >> Yeah, I originally got it back in 2022. to consolidate a bunch of credit cards. and um an issue from from the housing. thing, the rental company was having. like issues, so I just paid them out. from it. It was like a lease thing, it. was like a payout for a lease. So I just paid out that and then. >> Okay. >> That was all just all combined. I got a.

My mom co-signed on it with me. >> No. >> Yeah. >> Oh. >> My mom works for the bank for that, so. >> she's really enabled you in every way. whatsoever. Cuz without fixing your. behavior before doing this, then she. probably doesn't even know. You probably. just [ __ ] it all up again, which we know. you did. So what are we doing? But I'm confused cuz I'm being told you. actually got this down to $7,000. >> I did. So. >> So what the [ __ ] It is certainly not. 7,000. I'm uh spoiler alert, it's three. more. >> Yes, so um back in October when I found.

out I was getting transferred over to. the Grand Rapids area for my work, I. increased it to $10,000 to get my mom. off of it as a co-signer and to give. myself a little extra money to help. because. >> You took three? >> Yeah. >> All for sake for that move? >> To. >> subsidize for every move? >> This move was paid for by my ex. >> had a move other than into my house when. I just had money now. I've never had a. move that has cost me more than just a. few hundred bucks. I I don't get it. How. does this happen? >> to help subsidize income because my ex.

was switching jobs. >> And that's his income. >> I understand but as us being together. and and me being a person that doesn't. like to see him struggle, I wanted to. have the extra money. >> enable for the enable for the enable. Are you going to stop taking care of. him? I doubt it. It's been two weeks. I. doubt it. I don't think you can. >> I've stopped doing everything for him. >> For two weeks? >> No, I'm like it was before that I slowly. stopped doing things. >> And what has he said or thought or done? He thinks you guys are still together,

so. >> I don't know why he still thinks that. We don't act that way. At least I don't. act that way toward him. >> Yeah, but what does he think of you all. of a sudden and not take care taking. care of him and what not? >> He just does things on his own now like. he did before. Just he hopes that the things that I was. doing before I might actually still do. >> Well, I like the refinancing to get your. mom off it cuz you shouldn't have your. mom on it, but to take an extra three is. crazy. >> Yeah. No, I think. >> how long? >> It was only to subsidize for the the. rest of the year. >> So, two months, November, December.

>> Two months. >> And where did it go? >> Went into um different expenses like gas. or um things for the apartment um. >> How You're not going [laughter] to be. able to survive on your own. What are we. talking about? Especially if he moves. out. What the [ __ ] are we talking about? There's not a chance. You had to take. out a personal loan to try to make it. There's not a chance. >> That was because of his income like. >> I know and if his income zero because. he's gone, then how This is not a little. less food costs, a little less. electricity. Other than that, the rent.

is still high. >> You're right, but with all the costs. that I spend on him in those times, I. won't be spending on him anymore. >> What? What were you having to pay for? >> Food. I spent so much. >> food will Yeah, but you got to budget a. little. >> Okay. >> I don't know how you're going to be able. to survive on your own. I don't know. [clears throat]. I don't know. >> We're going to make it happen. >> pissed you're here. >> Oh, yeah. So, I applied back in October. originally so I could come in 2025. You. guys called me like that day and so I. was. >> No, I didn't.

>> Paging. it was awesome. I loved it and I ended. up declining. >> haverod.com/apply. >> And I. I went home and I was like, "Listen, I. told them maybe but I think we're going. to email them tell them I want to do it. like right immediately." And he's like, "Why would you want to do that?" He made. it very like. like. it was like a problem that I was doing. It's like it was like such a bad thing. like I was doing something illegal or. doing me something wrong. And so I was. like, "I'm not including you on anything. but you don't even have to come with me. I'm doing this for myself so I can get. my better in a better place for us as a. couple so I can one day hopefully you. don't pursue the future we want together.

cuz we wanted kids together. We wanted a. house all. >> Sorry. >> Like we wanted all that and. >> October? A couple months ago? Okay. >> And. he um. I lost my train of thought, sorry. >> And he was pissed. >> Yeah, so he was so he's pissed but and. and he's like, "No, I just don't think. you should go on." So I I let it go. I. was like, "Okay, I'll just reapply. again." And then around Thanksgiving I. said, "You know what? No this. I need. out and I need something better. I need. someone who actually appreciates what I. do for them in a sense and.

um and gives me what I need in a. relationship.". >> And what do you need? >> I need someone who will be ambitious. like I am. I am so I am hard working. I. am ambitious and I am driven. Now that. I'm not 450 lb, I have all this energy. to do all these sort of things and I. can't get him to even plan a date, Caleb. >> No. >> I have planned every single one of our. dates from the first one all the way to. now. >> Yeah, he sounds like a loser. Oh. >> I even for Christmas bought him like one. of those scratch-off date books to make. it easy on him to just scratch it off.

and then he planned a date and I. couldn't even get that. >> Okay, so you owe money to your mom. $1,500 for what? >> Random expenses from from on the card. >> Huh? From what from what? >> From either from the Disney trip or from. um you know. um. >> So what card specifically? You've. mentioned the card. What are we talking. about the card? Go into more detail. >> I have a Discover card that my mom got. um in her name and I'm an authorized. user. >> She has. >> She has it and I'm an authorized user. and I have a card of my own. from it that she allows me to use for. any emergency expenses, anything I need.

um. that kind of stuff and then she just. tells me to send her the payments back. through our credit through our bank cuz. we have the same bank. >> So what are your payments then? You owe. 1,500. What's your minimum monthly. payment? >> I can pay. >> on. You don't have a scheduled minimum. monthly payment with her? >> No. I So I send I send her $100 every. pay. That's what I agreed on, but she. she'll either send it back to me when. she knows I do not need to send like. when she doesn't need it or like not. when she needs it or when she thinks I. need it or she'll just hold on to it. So.

it's like $100 every chance I can. >> I'm confused I mean I'm being told you. thought it was good because you got an. inheritance from your grandma. >> So what the [ __ ]. Yes, I did get an inheritance from my. grandma My grandmother passed away in. May. >> and I'm sorry and what did you get and. where the [ __ ] is it cuz you're dead. broke broken? >> I got um just under nine grand from her. >> Okay, your grandma didn't have much. That's okay. >> Uh they it spread through a bunch of all. of us. She had a good amount where it. went A lot of it went to her kids and. then and then it went to us grandkids. There was like 13 of us. You know, it.

was fine. >> 9,000 didn't go anywhere it seems or it. went everywhere. >> Um well as I uh as I've talked about I'm. a giving person. So. one of the one of the expenses was I. bought a couple of things for my um I'm. an online gamer and I have a couple of. friends who are. >> dude. >> Yeah. I got a big PC build. >> How much what what did you get, you. >> I built it myself. >> What what components [clears throat] did. you get, you. >> You understand. I don't Okay, I don't. remember cuz it was back in 2020.

>> know what's in your computer Oh. >> It was a long time ago. Yeah, it was a. long time It's a really old PC. It's a. long time ago. But, it does what it. needs to do and it's fine. >> Oh, and you bought your ex a brand new. PC, too. >> Yeah, so that's what I was going to get. into. So, yes, so they heard of. >> Heard of his furry art. >> Yes, cuz he is a furry artist, so. >> you buy on his PC for his PC? How What. was it? What did you get him? Yes, what. did you get him? >> I I'm I'm. >> Michigan Wait wait, we'll come back on. We've got to talk about Michigan. education. >> You said what on the PC, sir? >> You said what on the PC. Um I bought him, I think it's a.

Oh my gosh, I cannot remember the brand. I know MTX or something like that. >> is it good? How much was it? >> $2,500. And it's good. It's It's got um. >> How can you even afford to get here? I. know we reimburse you afterwards. How do. you even afford to get here? >> it on my mom's card. >> Oh my. >> And then I'm going to send it right back. to her so so she can pay it off.

Yeah, so the PC so um again, I don't. know the specs, but it's a decent PC. >> 2020 was a long time ago. I don't I. don't care. >> No, his PC. The one I just bought. >> You just bought? When was it? >> bought him that one in. I want to say. August? >> do you afford that? >> The inheritance. >> Oh, that was from the Oh my. >> That's why Yeah. >> What is wrong with you? Using. grandmother's money for a PC for a guy. that we've broken up with once cuz he. cheated on us and are ready to break up.

with him again. >> Yeah. >> Did he stick it in another woman? >> Physically, no. >> What? I am hyper against cheating, but with. the language you are using, I don't. >> [laughter]. >> It'll make sense in the POST SHOW, KALE. I PROMISE. >> Oh goody. >> Listen, I'm just trying to be. respectful, okay? >> Be respectful? You're going to respect a. cheater? Yeah. Uh-huh. I respect a cheater.

I'm not happy that I respect him. >> Okay. Oh, debt to owed to family and friends. No, no, no. To to to to friend, 500. To. a friend, 500? >> Yeah. >> What do you owe What do you owe 400 for. to a friend? >> Yeah, back in like 2021, I needed help. with rent, so I asked him. >> Whoa, from 40 5 years ago now. 5 years. ago, 500 for rent, and you haven't paid. that back. You don't. But you. gave him a PC for 2,500,

and you haven't paid back your friend. What is wrong with you, selfish? >> I bought him the PC because his his the. one he had broke, and art is his life. >> HEY, YOU [screaming] OWE A FRIEND $500. FROM 5 YEARS AGO. >> And I'd rather not have a depressive in. my house because he can't draw his art. and he can't. >> Break up with them regardless. >> drink on his PC, which I lied to him. about that and said I did it. No, the. dog did it, so he didn't freak out on. the dog. >> Huh? You peed on the PC? >> No, the dog dropped one of his drinks on. it on the on his PC. >> And the dog said you did it? >> No, I said I did it so that.

>> To who? >> To him. And I asked. >> Why? >> So he didn't get freak out on the dog. >> He would hit the dog? >> He would be upset with the dog. He to the point where he wanted to get. rid of the dog. Like he was By that. point, he was. >> No, Knox is a wonderful dog. So, he just. has a low temper when it comes to things. that don't go his way. >> Well, I'm not the best temper person. either, but I don't like take [ __ ] out. on dogs. >> We both love that dog. That's just all. I'm going to say with that. >> I like how you can't give me any details.

about anything. >> I'm not going to say that he abuses our. dog. >> Well, does he? >> No. >> Then say he doesn't. >> He doesn't abuse the dog, but there's. definitely points where he doesn't take. care of him like he should. That's just straight up That's animal. abuse. In my book. I love I love when I apply. to come on a podcast and then can't talk. about things. >> There's certain things that you just. can't talk about due to respect. >> About how someone treats a dog? I'm. sorry, I consider that [ __ ] you at that. point. If you're a piece of [ __ ] to. dogs, cats. Okay, so mommy.

>> for the trip. You can't pay off your. friend from few years ago. But if you. had enough money, okay. Did you Did you. buy his PC the day you got your. inheritance? >> No. >> How long Did you have your inheritance. before you bought his PC? >> Couple weeks. >> Why the [ __ ] Did you not pay back the. $500 you selfish. >> Cuz I forgot about it. >> Oh. >> I did. >> OH, YEAH. >> I have a goldfish brain. So I if things. aren't in front of me at all times for. me to look at, I don't remember them. And so that was in my notes of debt that. I just forgot about until we were.

talking about all of this. And. >> $1,888 to collections for. what? >> Probably. >> paying for everything now? A lightsaber. at Disney as well? >> Yeah, as a birthday gift. >> your friend. What is wrong with you? What is wrong with you? Pay back your. Are you still friends with this person? >> Yes. >> Wow. You sound like a horrible friend. >> I don't say I'm a horrible friend. I. would say.

>> No, I do. >> I wouldn't consider myself that way and. I understand why you would. But the. reason I don't is because. >> had the money and you haven't paid them. in years even though you've had money to. pay them for years. >> Because they know what I've been going. through. They know what I've been doing. So they know that when I have the extra. time. >> respect the guy who cheated on you for. cheating on him. Like I I love respecting people that. cheat on me and respecting them for. that. And when they do something bad to a dog, I love respecting people for that. It's interesting. So why'd your mom think you came down. here? That you borrowed money from that.

you probably won't pay back cuz you. never pay back money because you get. things that you want instead of paying. back money. >> I will pay her back as soon as. >> Uh-huh, sure. Yeah, you have a. historical representation of that. Mhm, I believe that. Mhm. Including your. friend, will the money go to your. friend? The money should go to your. friend. Will the money go to your. friend? The moment you get your. reimbursement, how much did it cost to. get down here? >> 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 a. 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.

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I don't know, $500. >> Okay, so you'll have a little more to. give to your friend. >> Sure. Yeah, I'll give it to him. >> Will you? >> Yes. >> So, your mom knew you came down for. financial audit. >> No, my mom knows thinks I'm here for. work. >> So, you lied you borrowed and lied. So, you cheated on your mother financially. infidelity. >> I am a person to have a. >> Should she respect you for it? >> No. She will think I should have just told. her, but. >> But, yeah. Whoa. >> But, I will explain that because the. reason I didn't tell her is cuz I'm an.

in-person with my mother. I'm an. in-person of telling her things like. that. >> Oh, what a cope. That's a cope. I'm I'm. an in-person when I tell my spouse that. I someone else when she said I couldn't. >> It's. >> So, you didn't tell the perfect moment. to say it so that it would be excused. >> My mom works for a bank. So, she has. amazing finances. She does well with her. finances. >> You know how many people who work for a. bank I've had on the show? >> No, I understand, but no, what I'm My. mom is really good with finances. But, what I'm saying is that like she. >> I did not want to admit to her that I. was going on a financial social instead.

of just going to her for the help. I did not want to have that moment. >> you didn't because you she would just. enable you as she always did. So, what's. this collection? $1,880. >> That is probably the old apartment that. I used to live in Nebraska. >> Nebraska? >> Mhm. I lived in Nebraska for 4 years. >> You look like you were hatched in a. field in Nebraska. That makes sense. That makes sense. >> a. huh? I don't know if that's good or bad. I like Nebraska, but I definitely. wouldn't move back there. >> Nebraska? >> it, yeah. It was nice. I liked living.

there. I met a lot of a lot of fun. people. >> In Nebraska? You met people? >> Yeah. One of my best friends lives. there. >> And do you not pay your best friend. back? That one, too? >> No. No, he don't. >> Of course not. Of course you don't. >> I don't owe anybody else money. >> No, just endless collections including. the extra $639. What's this for? >> Probably a credit card. >> Great. So, why do you owe a previous. apartment in Nebraska? >> So, when I lived there, I lived with a. roommate who. we we got it in July. >> Here comes someone else's fault.

>> And then not long after that, she. started dating the ex who was a felon. >> Uh ex, did you mean ex? >> She dated well, it was an ex at the. time. I think they're married now. I. don't know. I don't know if she still. even wants to talk to me anymore. But. either way, she started dating this guy. who was a felon. >> Good for him. >> Moved him in without telling me into the. apartment. >> Okay, is he a dangerous man? >> Well, yeah, he he was a. >> There's a lot of felonies. Is he. dangerous? >> Yeah, he was a domestic violence felon. >> That's not good. We don't like that one. >> Exactly. >> You'd probably respect someone for doing. it, but.

>> No, but. anyway, so she moved him in without. telling me. Like I went away to visit. family and I went home to visit family, came back and he was moved in. Told her. that she had to get him out. Like it's. not like you can't have that. He's a. He's a felon on our lease. Like you. cannot like we can't have a felon on our. lease, let alone living in here without. being on the lease. And so I talked to. the apartment complex. I said, "Hey, can. I just. >> Were you on individual leases or a. shared lease together? >> It was a shared lease, so I. >> Yeah, you you signed that contract. >> Yeah, no, 100%. And so when I when I. moved out. >> Why were you telling Colton it was all. their fault then and they you're over?

>> I would say they [ __ ] me over cuz. here's why. So when. >> Yes. >> I know, I'm getting there. So when we. when we redid the lease, I moved into a. smaller apartment to you know, make it. more cost-effective for me. When they. redid it, they messed up the paperwork. and said that I moved that I the lease. started in November. They were just. supposed to renew the lease in. um for July. >> Okay. >> we first moved in, but they didn't. So. when I planned to move out in June, um when I planned to move out in June,

I told them like, "Okay, hey, my lease. is ending. I'm moving out. Here's my. notice." And they said, "No, your lease. is up in November." Ended up being a. whole fight, and so that's just the last. month's rent that I'm refusing to pay. because. >> did you sign? >> Contract said that it was supposed to be. up in July. >> Did you show them that contract? >> Yes. >> And? >> And they refused to accept it saying. that due to the re-signing with the new. lease with her going off it, it was. supposed to be the year. >> showing? >> The new lease, all it said was that it. just removed her. That's all it was was. that removing her off the lease. >> Right. All right.

>> I know. That's why I'm like. >> Hey, collections, 512. For what? >> Probably credit card. >> Why weren't you paying credit cards? When? >> Um that one I will probably was from. like 2022. >> last one, why? Plus another 257, why? Why weren't you paying credit cards? >> probably cuz I just couldn't afford it. Just couldn't have. money to pay it cuz I didn't have the. money in my account. >> Why? >> Just. >> You're I know you're still getting your. ass to Disney. So, why? >> [ __ ] spending, I'm guessing. Then. Disney and you know,

>> And you don't feel like you're going to. pay it back. >> You know. >> You're not going to pay it back. >> My credit cards? Probably not, no. >> The collections, why? >> I mean I. >> So, you spent other people's money. >> I will pay them back if I have the. money, but I don't have the money. >> Well, you don't have the money cuz you. spend all your money on [ __ ] You. could pay off one of these a month just. with your [ __ ] money spending alone. [ __ ] you, Disney. What are you talking. about? [ __ ] you. >> Okay, then I'm going to then I'll sit. down and I'll budget out to where I can. do I can can pay those. I would like to. so. >> Girl, you literally got a $9,000 check. from your grandma. What are you talking. about? >> And then I gave it to people who I.

thought needed it more. Yeah, I probably should have put that. toward all of my debt and I'd probably. be in a way better position, but I. didn't because I felt like the people in. my life needed something more. My ex was one of them and do I regret. it? Yeah, I do. But here is the thing, I. did it so that they could have a happier. life. My the one that I bought a guitar. for, he's the happiest man I've seen him. in a long time because of that guitar. >> Who did you buy a guitar for? >> I bought a guitar for my friend in. Belgium. >> Your friend in Belgium. Have you ever. met this friend? >> We we video chat all the time.

>> met this friend. >> Not in person. >> Oh my. >> Well, I have online friends. >> milked. Yeah, you're getting milked. >> You didn't ask me for it. >> Yeah, but you're getting milked. milked. >> I don't want to admit that because I. don't feel it way. >> You have a Chevy Equinox. >> I do, 2020. >> Home state buyer. Okay, 2020. We're super excited. And a. 16% INTEREST RATE OF DEATH. WHY?

>> CUZ I NEEDED A CAR. >> When did you get this needed a car? >> I got it back in. >> That's what happens when you have. collections on your credit, by the way. Could have saved yourself more money. than paying off your collections by. having a lower interest rate, most. likely. Having a better loan. >> Right. >> So, when? >> I got that back in 2021. August 2021. >> Yeah, that was not interest rates then. You were in. >> No. [clears throat]. >> better interest rate territory. What the. Welcome to having the consequences of.

your your collections, dude. >> Yeah, well, I needed a car cuz my the. car I had. >> saying don't get a car, but also how. much was the purchase of the car cuz you. didn't need a car this much. >> It was $24,000. >> wrong with you? Why did you not get a. $10,000 car? What the is wrong with you? Put some winter tires on that [ __ ]. >> Because I wanted something comfy. >> Wanted. Wanted. >> I know. >> There it is. How did you afford this? You were you were letting credit cards. go to collections at the time. How did. you afford this? >> I took out my 401k. >> Oh my What is wrong with you? How much.

did you take out? >> $36,000. >> Oh my goodness. And yet you still have a. loan on it. On the car. >> Mhm. >> Where did all that money go? >> Uh so, I did put a down payment on the. car and then um. some of it went to certain debts, some. of it went into savings to save for um. expenses, like emergency fund and stuff. like that. And then I did pay my mom um. she she asked me for a couple grand um. to help repair a car for my sister.

>> To your mother, the financially well-off. mother? >> It was a technically a payback. Let me. be clear. It's technically a payback. >> you go. >> Yes. It was a payback for something. earlier in the earlier in the year. >> What do you think this car's worth that. you owe $15,175. on with a 15% interest rate? >> 13,000? >> About 13,000. >> I think when I looked it up cuz I do I. do want to get out of it. I do kind. >> I'm confused. You're answering questions. correctly. Why are you so You're. allowing it? You're so informed. This. isn't ignorance anymore, yet you allow.

it. >> Yeah. Um. >> Get out of this car. Get a $10,000 car. to better interest rate. What the [ __ ]. are you doing? >> I wanted the car one for safety cuz it. it I feel very safe. >> give a [ __ ] Feel? I don't care. Good. Modern cars are safe. It'll be fine. You're not getting a 1995 car. >> I know, but at the time I wanted the. econo. >> At the time. I'm saying now. >> I I also now I saw it. >> Good. >> I thought about it. That's why I knew. the price around cuz I've been looking. at the selling it. >> Don't get me wrong. >> Yeah. Sell it. >> Save yourself $5,000 of debt and a lower. interest rate. Okay, student loans. So,

what the [ __ ] did you do? Cuz I You said. you don't have a degree. >> Yeah, I went to school for psychology. Clinical psychology. >> Mhm. >> Uh-huh. >> And how much school did you do? >> I went. I'm a junior technically, so I have like. I would have only have a few more. semesters. >> You're not in school. >> Well, I probably only had about maybe a. a year and a half left. To be able to. get my bachelor's. >> Hey, you dumb absolute. >> What? >> Instead of actually paying off your. [ __ ] instead of actually taking care of. this, being a responsible adult, setting.

yourself up for success when breaking up. with your boyfriend, needing to move. out, instead of actually paying back. your friend or paying back your family. and friends, you literally just bought a. motorcycle from your aunt for $2,500. >> Yeah, when we. >> What is wrong with you? >> Yeah. Okay, so the same the same. >> wrong with you, woman? >> So, the same day my grandmother died, I was. at a funeral for my grandfather on the. other side of the family. Yeah. >> Old people be dying. >> Yes. >> That sucks. I'm sorry. >> And at that funeral, I was talking about.

my to my aunt that like, "Oh, one day I. want to buy a bike." Like one day. It. was a plan down the road. Like we. weren't We knew we weren't ready for it, but we had we were planning we're. thinking about it. And then. >> Did she death sympathy sympathy sell. you? She death sympathy sold you? >> She said she had a an old bike that she. was wanting to sell. >> And I said, "Well, >> purchased. You're a death purchaser. >> Yeah. So, as soon as the inheritance. came in, I set it aside. It's sitting AT. MY HOUSE. >> OH. >> YEAH. IT'S SITTING IN MY in my. apartment. >> sympathy sold you.

>> I have a love for motorcycles just from. a kid for cuz that that my my. grandfather and all that. >> Which is why associating with death and. nostalgia you then spend $2,500 on it. instead of taking care of your [ __ ]. >> Yes. >> You death purchased a motorcycle? Should. never death purchase. Never death. purchase. >> In the moment I truly truly just wanted. to. >> Welcome to a death purchase. >> I know. >> And you had a double death. That was a. double death purchase. >> Technically, yeah. >> Well, yes, two people died.

>> Yeah. >> It was it wasn't figuratively. >> Yeah. >> And I'm sorry, again. >> No, it it happens. >> when that happens. Not looking forward to it. Um. So, you must drive it around a lot. >> She's holding on to it right now. >> Okay. >> [laughter]. >> She was supposed to bring it to me in. August. >> Sell it, you. >> No. It's a sentimental thing. >> Yeah, cuz you death purchased it, you. >> I understand. >> You shouldn't have death purchased it. No death purchasing. Death sell it. Wait.

for someone else to die and death sell. it to someone else in the family. >> I would sell the car or the motorcycle. >> Okay, death sell your car. >> Okay. I'll sell it. >> And then drive the motorcycle in the. dead of winter in West Michigan where. lake effect snow happens. >> is the problem, yes. >> Well, that is the problem, which is why. it's not realistic, which is why get rid. of the bike. Sell it to someone else in. the family, dumptit. What are you doing? No. >> No. >> No. You know what? >> No. >> Why? >> Cuz that is something I truly. truly. >> Truly truly can't afford. >> You're right, I can't afford it, but I.

because I have no other way to with my. grandfather and that side of my family. anymore. >> A bike? I'm sorry. Are we really doing. the inanimate object thing? Are we doing. that? Is that a thing we do? Do we do. that? I don't think we do that. Especially for motors and gears. It's not an urn. If it was an urn, I. would I'm not saying saying sell the. urn. Like a keepsake from a family, a. ring or something like that that was. like grandma's ring. People have had. grandma's ring on the show before. I've. never said sell it. A motorcycle? Something that will likely lead to your. own death?

>> I All I can say is I'm not going to be. stupid with it. That's all I'm going to. say. >> Yeah, I do not trust you for that. >> You don't have to trust me. All I'm going to say is I'll be safe and. that's what matters. >> Why do I even believe that? The. fall death injury rates for motorcycles. might fall so hard it. kicks your jaw into the center of your. face. >> That'll be my own fault then. >> It'll be good. >> Very true. It'll be good for me. >> Why Why'd you drop out of school? >> Um well, I went out um psychology school.

recently because I um. >> Recently? >> Yeah, it was April, May. >> Wait. >> In the fall. >> this last year? >> They had This has been over since I was. over 18. I've been in and out of school. since I've been 18. >> Why? >> Um just different schools. So, I went to. uh community college back home first to. get my grades up. I was supposed to. actually come out to um San Antonio for. school for powerlifting and. >> For powerlifting? >> Yeah, I'm a powerlifter.

>> Power powerlifting? >> Yeah. >> School for powerlifting? >> Well, there So, I would. >> Capitalism has gone too far. >> [gasps]. >> No, so I would go to college and. powerlift for the college like a sport. >> Why didn't you if they were paying for. school then? >> Because I recruit got recruited out to. Illinois for the same thing. They They. paid me more. >> They paid me more, yeah. >> Um Midland University. >> Or sorry, McKendree University. It's a. southern It's a private school. >> Southern. >> It's a. southern. in North Oh. >> [clears throat].

>> In Southern Illinois. Private. >> And they covered your college? >> Some of it. I had to take out student. loans, of course. >> goodness. To power lift. Okay. Sake. >> And then. >> Do you have minimum monthly payments on. this? >> No, cuz I just started ending school, so. we haven't. >> Huh? You just started school again? >> stopped like I just stopped going to. school. >> up again. It's probably going to be like. 150 bucks a month. >> Yeah, yeah. I'm I I haven't looked into. it, but I'm going to, yes. >> Oh, yeah, you should look into it. Um, did culinary school as well. >> Why, you can't bite down on things. >> I was a bakery baker.

>> It is soft, okay. >> Yeah. And I didn't eat it. Most Well, I did. back then, but I don't eat it now. >> yeah. Yeah, yeah. You make gluten-free [ __ ] I don't want. you to be a baker. >> I definitely make a lot more gluten-free. [ __ ] now, yes. >> Nasty ass. Okay, $5 in this checking. account. Is this a other loan or is No, I already saw this one. Okay. So. >> Yeah, same bank, so it just kind of came. together. >> 900 bucks, down from 1,000. Savings is. flat at five dollars. Five, five. Withdraw courtesy fee. McDonald's. Come.

on. What the [ __ ] McDonald's? Former. fatty? To a McDonald's isn't that. dangerous? Okay. Amazon Prime courtesy. withdraw again. What What is this. courtesy withdraw constantly? >> Probably my weed habits. >> Why is it a courtesy withdraw pay fee? >> Uh, because I pull it from the ATM in. the um, dispensary if I. >> So, losing teeth. and smoking weed. Northern Michigan. Hulu. Withdraw fee, withdraw fee, withdraw.

fee. Discord. She has a Discord kitten. Ugh. Paramount. >> it. I can't spell it. >> crate. Withdraw fee, withdraw fee, Spotify, Crunchyroll, [ __ ] off. Big. Apple Bagels. Amazon. Meijer Express, Meijer Express. YouTube membership, which is the best. one and number one I need to YouTuber. I. guess we get all the interesting stuff. is when you click that join button and. Hammerly. Join the literal fifth like. 50,000 people or whatever. It's so good. for a reason. Coin Master Coin Master. Talk about Crunchyroll again. Blizzard.

You eat like [ __ ] dude. >> It's not That's the thing. It is though. >> Jersey Mike's What Jersey Mike's There's. no small Jersey Mike's. Texas Roadhouse. Coin Master Coin Master for 1730? >> That was like. >> Coin Master Coin Master Coin Master What. is that? >> Coin Master is a um mobile. that I. spend money on when I'm bored. >> Like hundreds of dollars. >> Yeah. >> What the. wrong with you? Yo, 500 you from You're.

a bad person. Jersey Mike's withdrawal. fee. Withdrawal fee. Mire That's probably groceries. Coin. Master Coin Master again. Total. overdraft this year so far $188. In this. period alone was two overdrafts. >> Yeah. >> Oh, you're you're you're done. You're. done. 401K Do you still have one? >> So I am I do have a uh 401K with my. work. >> What? Okay. And how much is in it? >> It's around 4,000 right now. >> Great. It's almost 30 to 4.

Okay, let's get your debt minimum. monthly payments. I'm putting your. student loans in there cuz they'll kick. in anytime now. >> Okay. >> Okay, it's about to be 1,278 but. hopefully the student loans kick in by. the time that payday loan one goes out. Your rent Let's say a thousand cuz. that's what it's going to be. What's. your utilities alone going to be? Expensive gas in the winter, expensive. electricity in the summer. What? >> I I would say probably average it to. like. like 150 cuz right now all of our.

>> internet or outside internet? >> I would include it because our utilities. >> Internet in the 150 though. >> Yes. >> Okay. >> I don't need expensive internet. >> Okay, phone bill. >> Um my mom pays for it. Cuz it makes it. easier on me. >> Do Helium with T-Mobile's good there and. it should be. It's Grand Rapids. Do. Helium. It's like cheap like 15 bucks a. month. I'll also get you a course career. certification so you can continue. laddering up in the career world. And. also make sure you use the Fizz card. It's the only card that builds credit. cuz you can't be trusted with credit. Look what you've done. Okay. So, we'll get those resources to.

you. We'll also get you in the Master. Your Money program. Guess how much on a. monthly basis? Vroom vroom drive drive. >> I would say probably budget for around. probably 200. >> Okay, car insurance. >> Uh it's under my mom's. >> You have every opportunity to do well. $300 for food, TP fun, anything else you. need to survive, $500. Medical health. care, are there co-pays, monthly basis, medications, urine therapy? How much? Oh, cover drafts was $1,088 this year. $1,088, not $188, $1,088.

>> Oh. >> Dude, you're oh my. good luck. No, you put on a good face, but you're. I I don't get overdrafts that high. That's historic. You're. >> Yeah, I didn't know it was that. >> And paid a lot of them. Good luck. Okay, yeah. Yeah, co-pays on a month. What? >> I I would say probably um let's do 150. >> Gym? >> Uh yeah, 20. >> Subscriptions, I'll try about 40.

Anything else that needs to be in the. budget? How much for the dog? Pet. insurance, let's do 50. >> I have a cat, too. Um pet insurance and. um renter's insurance is all together. 110. >> Okay, hopefully it's good pet insurance. How much for pet food? >> Uh I only pay for the cat's food, so. it's probably only like uh 20 bucks a. month. >> Yeah, but you're about to move out and I. don't think he wants the dog, but. >> Oh, he wants the dog. He made it very. clear. >> What? This makes no sense. I cannot wait. to learn about this guy in the post. show. Guys, if there was an episode to sign up. for Hammer Lee, this is the one, apparently. >> one.

>> Um you barely make a wiggle room, but. $3,368. But I know one of those debts is going. to fall off soon, the the payday loan, but then student loans will replace. about half of it here pretty soon as. well. So, you will Listen, right now at. 3,368. you have 232 left over. You're about to. have 432 left over, but at 232. >> [sighs and gasps]. >> student loans is not an emergency. payoff. That's not even included in the.

34. 25. divided by 432. Huh, it still takes a really long time. It still takes 5 years even with the. payday loan being gone. And not focusing on the student loans at. all. That student loans will still be. there. Still takes 5 years. Yeah, it's. time that we leverage. We need to just. go make more money now. You've just put. yourself in a really bad debt situation. That doesn't include collections either, which will keep your credit score low. Now, yes, I I would sell the car, get a.

$10,000 car, hopefully better rate. I. don't know with your collections and. debt-to-income, that might be hard, but. at least save $5,000 there. Might save. us about 6 months or a year in payment. That helps. Might be a 4-year process. Get a better. job. Use the certifications to Course. Careers or work a second job and stop. this feet dumbassery, and maybe we get. this down to 3 years. But, I think. that's our path down. >> off, and I'm going to try and shut the. [ __ ] up. >> Come on. You got to embrace it. >> All right, I'm done.

I'm done. Join the post show. We're. going to learn everything about the guy. Finally, what I want to know. Everything. and what this cheating not cheating. [ __ ] whatever. I don't. It's going to be good. Hammer financial. score first, though. Spending and a. budget. You spent slightly less than you. made, but it was more than you say you. normally make, but nothing went to. actual debt or anything beneficial, so. two out of 10. Debt, collections, zero. out of 10. Emergency fund, nothing, zero. out of 10. Retirement, dramatically. behind at your age, I'll give a. two out of 10. Real estate, zero out of.

10. Get your Hammer financial score at. CalebHammer.com. Hers is a one out of. 10. Click join. Join Hammer Elite. Best. membership on YouTube. Three Three. premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. It's great. See you. there. >> WHAT DID HE DO? [screaming]. >> He is a furry artist, but he's an. inflation furry artist. >> What does that mean? >> It means he likes to um make his art. very um bloated like balloon-like. And. he likes to do do the do that to himself.

in person, too. >> He'll do what? >> He'll take a. and a hose and put it up his. and then turn it on and he gets like off. by doing that. Oh, yeah. >> Well, I've never heard of anything. >> Oh, yeah. >> Hammer Elite is the best YouTube. membership on the platform and I just. upgraded it. New dedicated premium shows. every single day, Monday through Friday. Join with the link in the pinned comment. or description below. This is the best. membership you'll ever join and that's a.

promise.