Financial Audit's Most Disgusting Guest

To watch episodes of Financial Audit a week earlier, check us out on YouTube. And I'm told you think you can make 10,000 hours a week selling feet pics. Well, I mean, not just feet pics. You're kind of feet-ar. A lot of other stuff. Okay. Yeah. Like farts in a jar. Especially in that Vegas seat. You're actually probably just like a four out of ten. Yeah, you're a four out of a ten. I'm like a seven. See, what do I do with this? I also have a great personality. Your inflated self-worth is ridiculous. And you think you're worth... Hey, you're muted, by the way. Shut up. I'm f***ing talking. The Summer Budget Reset is now live! Get a full year of DollarWise Premium plus my four best-selling educational courses and a digital copy of my budget-friendly cookbook and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything! So don't wait until that first pool party to get financially ripped. Click the link below, save big, claim your bonuses now. Hi, my name is Veronica. I'm 37. I'm from Las Vegas, Nevada, and this is Financial Audit. Yes, it is. Thanks for calling over. I appreciate it. What do you do in Las Vegas for a living? I am in accounting construction. That's not what I was expecting from all that accounting. Okay, so accounting construction, I assume that is accounting for construction. Yes. What do you make? 76. Not bad. So it's in Vegas that is, I mean, it's definitely gone up in cost of living, but still compared to a lot of places. You know, people go there for a reason. It is a bit cheaper. They're building a lot. That's good. So what hits your account on a monthly basis? What do you mean? What dollar amount, we can be more literal, hits your account on a monthly basis? Well, what did you think I meant? What comes out? Okay, so I make $11.05 a week. Oh, okay. 11.05 times 52 divided by 12. Okay, so an average. There's 53 weeks in this year, by the way. I'll get 53 paychecks this year. Oh, why? Because I get paid every Friday. Okay, so there's a bonus Friday this month? Yes. Okay, what is that? 11.05, you said? Yeah. Okay, but only this year, but even still. Okay, okay. Okay, times 53, I guess, divided by 12. So you're averaging $4,880 a month, yeah? Mm-hmm. Does that work? Does that sound right? Yes. Okay, good. So why do I have essentially what was said here? Because this isn't really lined up with your job. It was essentially you kind of divorced a guy so that you could go pursue being naughty online to make money. Well, yeah. I mean, it's a really lucrative business. It is, but clearly that's not what you're doing. Sounds like that game plan didn't work out if you're working in accounting. Well, I mean, I started out in accounting. I mean, I've been doing accounting for... Well, I know you started out in accounting, but when I just asked what your job is, you said accounting. So it's not, I didn't ask what job did you start out in. I asked what do you do for a living instead of accounting. Yeah. But that doesn't line up with what I have been told of you leaving your husband so that you could go be naughty online. Yeah, I want to be a dominatrix professionally. Okay. Where's the income and dominatrixing currently? I mean, I'm told you think you can make $10,000 a week selling feet pics. $10,000 a week selling feet pics, maybe. I don't know. That seems pretty intense. I don't know what. You're kind of. Well, I mean, not just feet pigs. Your kind of feet are. A lot of other stuff. Okay. Yeah. Well, yeah, probably. Underwear, socks. Oh, fuck. Like, farts in a jar. Especially in that Vegas seat. Dude, you're not Amranth. I have a really nice ass. No. You're not Amranth. No, you don't. You're not Amranth. No, I'm sorry. No. Nobody. This is not true. Oh, fuck. Should I be mean already? It's only three minutes. And I'm sorry, just no one of your class, no one of your spawn, wait, and age combination has a nice ass. I've been told otherwise by many, many, many men. Do those men look like Tyler? Who are way more effective than you are. Do those men look like Tyler? Some of them, yeah. Yes, okay, because that would make sense for everyone else. Actually, most of them are white guys who just really want to be human wallets. Okay, so losers and weirdos and freaks. Yeah. So, okay, but no one normal. Okay, listen, I'm not just going to... I mean, like, what's your idea of normal? Someone that doesn't want to be treated like a wallet. I mean, what are American citizens? Human beings? What are you trying to get? They're wallets to the government. To the government? Yeah. Then every citizen is a wallet to the government in that case. So, I mean, like, that's normal. I don't think everyone enjoys paying their taxes, though. Well, nobody does. Well, there you go. Not everybody pays taxes, though. You said you like people or people like you who want to be wallets. That's different than those that are forced to by gunpoint. Okay. No, I understand that. Yeah. I'm sorry. It's just like, okay, I wasn't really trying to bully you out of the gate, but you're just saying, like, when you just say, I have a nice ass, I mean, let's be just honest for what the majority of people would think it's just like come on just so it's breaking down i didn't say it was perfect i didn't require perfect but just nice i mean okay really big it's really yes it that happens when that happens i i get it same thing happened to me i mean it doesn't make it nice whatever oh my gosh i'm not trying to go down that pipeline you keep making me go no it doesn't yes it does how do you not like big ass okay Yeah, sure. Let's define what I like. Sure, yeah. A nice large butt is good, but usually it's attached to just like, when it isn't just all fat, and it isn't getting like, I don't know what it's described as, but when it's like, first of all, there's a stretch for myself. I don't want to go all this. I mean, somebody who looks like you really shouldn't have this much, like, particularities into who you're attracted to. In terms of who I'm attracted to, I don't think who you're attracted to comes from what you look like. People just have attraction. I like just conventionally attractive people. No, why would I lower my standards? Listen, I don't care what someone's... I mean, you are a basic white boy, so I guess. Sure, yes, okay, very good. Listen, it's... I'm not trying to... The entire intent, I wasn't going to call you ugly or anything like that necessarily, but the thing is you're thinking you can make $10,000 a month doing what Amra is doing with her giant car. It's because I'm... Shut the fuck up for a second. And you saying no one gives a f***. And you saying... I beg to differ. Okay, well, yeah, you're keeping your accounting job. So clearly it's not working for you, is it? Well, I just f***ed started. Uh-huh. Yeah. Not working very well, leaving your guy for that pathetic bitch. So the thing is, I wouldn't have talked about your butt. I was so invigorated by leaving him because he was a f***ing piece of shit. Yeah? Yeah. Oh, yeah. He's the reason I'm in so much f***ing debt. Why? Why? Because he wasn't a partner. Uh-huh. And I was in a situation to where, like... Are you sure that's even what you're looking for as a partner, not a little slave boy? Actually, you know what? It was a one-night stand that turned out to be a really good lay and then turned out to be a really great friend. And then we started dating, and then I... Seems like all your choices. Shut up. I'm talking. Are you about to do the women and accountability thing? No. I'm saying that we moved in together in his parents' carriage house. Still your choice. Yeah. Well, I mean, I didn't really have a choice. I didn't have anywhere else to move. Bullshit. Everyone has everywhere to move. I mean, if you... You make good money. You've been making good money. I did not always make good money. Only were you guys dating? Almost 13 years. Okay, so how many years ago was this into this carriage house? Six months ago. You weren't making this money six months ago? No, I just got a raise this year. Six months ago, you weren't making that much? Uh-uh. What were you making? It was like an 8% raise. Go f*** yourself. You could have had somewhere to live. You're just a f***ing no accountability. And I can use this literally whore. Well, yeah, you know. Well, actually, no, I'm not a whore because I don't get paid. Oh, great career decision. That's going to get you somewhere. Well, I mean, you've got to practice. I'm like, I've been out of the dating game for so long that, like, you know, I got to like go around and find out like trying to find like my niche, you know, I thought you did my niche. Yes. Black man. No. Racist. I mean, there are BBC. There is a lot into BBC. There's a lot of like white guys. Why are you not into white guys? That's not what I said. I said there's a lot of white guys who are into. And like watching me be dominated by a BBC. it's so specific like several guys have asked me oh or these uh uh boys who want to be called baby boys they want to call me mommy oh what the f*** is wrong with this world just normal woman what are we doing here normal women don't exist because of the patriarchy i don't even know what the that means i'm dating a normal woman you think so as far as i know i just mean like someone that's just not like oh you're just okay yeah whatever listen if they're paying for whatever they're into it you have a nice ass according to them i don't know um you just suck me down these rabbit holes when you position yourself up here when you're probably right here and like at least i know i'm right here it's like i don't want me down here oh he made me feel down here and then i broke up with him i loved him and then i was like oh yeah that's right i'm really pretty i mean it's all right like oh it's like what do i do with that chat i'll be the internal monologue and this is not your show what i am struggling with right now uh chat is like what do i do with that because i would look mean by being realistic and the fact that in no conventional sense or in any way whatsoever she's considered pretty. But also we live in a world right now where they are endlessly hyped up by other people who are not realistic around them especially the women. Saying no you're pretty, you're good, you're a great queen and all this stuff and then you look like a dick for saying no you're actually probably just like a 4 out of 10. I'm a 4 out of 10 but at least I'm realistic about it. Yeah you're a 4 out of a 10. I'm like a 7. Well you almost. 7. I'm a seven. See, what do I do with this? I also have a great personality. There is an interesting thing happening right now where these men understand where they are on the scale. But for some reason, you are just so delusional. Live life with the confidence of an average white man. But I know where I am. My confidence is realistic. I just called myself a four. I know I'm a four. I'm okay with being a four. You're delusional and think you're... I'm a seven. But I need you to bring you to a realistic town. I'm a seven. It's the reason you've made zero dollars. gotcha bitch the market is realistic whether or not people around you are when they're trying to be nice for clients on these dating apps uh-huh actively looking yeah that has not worked zero dollars the market has confirmed you where you to my point because women on apps money if they look good um the thing is it's not it's literally not to be mean to you that's the hard part because i know i'm looking like a dick i really do um but it's so complicated because because you are a dick sure but the reality is people have hyped you up to here and every single ugly person right now is getting hyped up to here but at least just a normal ass dude we know we're down here the market has confirmed that you're down here but for some reason you've been hyped up so much to be thinking you're up here i don't understand what it is and that's why you've made zero dollars the market has confirmed it and i just need to be realistic about it because you think you're gonna make a bunch of money off of this and you've let your boyfriend for this? I mean, this is not going to work. I didn't leave my boyfriend just for that. I left him because he's a drunk. Okay, well, that's also a good reason to leave. I don't know why you stuck around for so long. Well, it's comfortable. Being with a drunk? Yeah. And the rent was cheap. That might be a reason. Also, we have dogs together. Okay, yeah, that complicates us a little, but not as much. It's like a child or something, but... No, my dogs are... Or my, there are my children. No, my dogs are my children, too. I get that. But if we're also just, again. I sacrificed my dogs so I could get away from them. Yeah, to do sex work. Great. So, but the thing is. But doesn't that sound like the best kind of job? Even if it's not even in person, it's just online stuff? No, I prefer in person. Because you get to choose your clientele. Yeah, I mean, I'd love to get paid. I got you. I got you. that sounds like the most fun job I'm not shooting it down especially if I get to just tell them what to do and I don't even have to them and then they pay me well yes but you have to get hired for that and the market has demanded that you are not zero dollars again again with the dog thing I mean the conversation my dogs I probably have the same mentality as you do but just like where you're rating yourself up here I have to be realistic there is a real world where it is not the same as a human in the end when it comes of the complications around separation. Yeah, I know. I left the dogs within. Yeah, see? So I could get away. Which is sad. And I'm sorry. That is hard. So you're currently paying for eight different apps to find these clients and buying kink equipment and filming equipment. And again, zero dollars is made because the market has shown that you're here. I'm investing in my future. Oh, yes. That's great. That's every small business American. Like starting dating apps, and dating, actually, I had to buy underwear. Like cute underwear. No previous relationship was underwear-less? No, it was just like regular, like everyday undies. Not like these aren't going to be worn for very long kind of panties. But isn't that the point is that we wouldn't see you in them? No, that is the point, is you see me in them. also for pictures yeah pictures pictures and filming equipment like phone stands making me imagine this shit dude and vibrators oh for fuck's sake and fuck's very imaginary visceral person this is like on my bucket list in like the next two years is to like peg a really strong man. Oh, God. I want to do it so bad. Weird. Okay, okay. I am doing me. I know, but I just want you to make money and actually do shit. Me too. I'm getting there. I'm starting. One cent would be almost getting there. How much money have you put into this thing? All this equipment and bullshit. I have absolutely no idea. yeah so it's all your ex's fault oh i mean the debt for sure yeah this entire month like half of dollars not half of half of the debt how can you put it all on him then when you say half of it is and then this last month you don't even know what you spent on something that you're making zero dollars on what is this accountability thing why are the women i'm sorry okay it's no i'm gonna finish my let me finish my point for it let me mute her mic mute her mic west mute her mic okay thank you you're muted right now no one can hear you the point i was trying to make for a second is that it's not an all women thing because i don't want this to come off as a gender war red pill thing it's not that shit there's i would just like the majority of people on the right and left are normal the majority of men and women they are normal but the thing with you you're muted so no one can hear you the thing about people like her that just blows my mind is why are you're still muted why are the women that are the ugliest that think they're the most attractive also the least able to hold accountability to themselves and only blame other people now don't get me wrong there's freak men that do the same thing the weirdo incels that blame um all this like women shit on them not being able to get laid no you're a loser but you're the weird polar opposite as well where you you're self-inflated your inflated self-worth is ridiculous and you think you're Hey, you're muted, by the way. And you're so beyond thinking you're all the way up here. And then the moment we dig in to your responsibility of your debts, we learn real quick that no, half of it minimum is actually your fault. Not all the acts. You don't even know. Just been on this hobby that makes zero dollars last month. So the weird connection between an ugly literal sense or you're muted. No one can hear you. and away from a mic that thinks she's all the way up here but is actually here is also that far away from accountability the correlations quite crazy every single time okay we can unmute her if you would like to respond now you can you're so trash trash that was that that's your rebuttal after all this is i'm trash how am i trash i don't think i'm trashy what am i trashy i broke up with my ex because he was not a partner. He did not help me. When I got fired from my job because of COVID, I had to still pay my part of the groceries. Bro, that was six years ago, by the way. I still had to pay for my part of the rent. I still had to pay for my car payment. I still had to pay for my car insurance. I also financially support my mom. Bro, this was six years ago. I still financially support my mom. I pay for the phone bill. I pay for the car insurance. I pay for her internet. How do people do that? He doesn't have bills. He didn't help me. How does this change your accountability? He didn't help me at all. Six years ago? Yeah, and then I got a job. Where is your accountability, dude? I wasn't making enough money to pay off any of the debt. And then I was working at a temp agency. And then I got fired again. Get a better job. Stop getting fired. And as a temp, you can't help that. Yeah, get a better job. You know, back then was the best employment market in the history of the United States for people without qualifications. Shut up. I'm talking. There was a time where he would assist me when I needed it financially. He was always, no, that's your job. No, you do that. When he was only paying a quarter of his income, he was paying for bills. And the rest of it, he spent it on alcohol. And he didn't help me at all. But it was through our entire relationship. But why is it only you being able to get help, though? Why weren't you able to do anything on your own? Why is it if he didn't do something, you couldn't survive? Where is your accountability? You're right. In a partnership, we should be supporting each other. I am on your page with that. And there's probably a lot there where he should have manned the up, stepped the up and certainly stopped drinking and got himself under control. But if the fact that we're talking about you not having any accountability go to six years ago during the pandemic and then you couldn't find a job. All you got was a temp job when it was literally the best employment market. And you are in a boom town for what it's worth. Vegas, there's jobs galore. Places like Vegas, Florida, they could hire whoever they wanted. And I barely had any experience. I'm also a college. But it was still the best experience time for people without degrees. without qualifications. That pandemic era was the best time in American history in terms of a job market. So where's the accountability? It took me six months to trying a job. He's not helping me. He's not helping me. It was highest employment. That's on you then. That's on you. I don't care that it took you six months. You can't blame them for that. That's still on you. Where is your ability to pay any accountability? The whole time I wasn't getting unemployment. I don't care. Where's your accountability for anything? Why weren't you getting unemployment? Because it was the backlog. What? The backlog during COVID, the pandemic. I was still typing it all in, submitting it every week, and it took six months. So I had absolutely no income. So I was doing side jobs, making cash, just enough to pay bills. Yeah, well, yes. And then probably if you're able to make enough just to pay bills, do more. He still had his job. Why does it come down to him? $65,000 a year, and he didn't help me at all. And he should have, but the fact that he didn't, why does that alone define your entire life? Why weren't you able to do anything for six years? Six years. I understand six months of struggle, and he sounds like a little... Yeah, I know. It should have ended six years ago. And he sounds like a little bitch. But he is. And I'd beat the shit out of him if he was here, okay? Listen, he sounds like a horrible... You both, dude. He sounds like a horrible partner. I'm not opposed to that. but why the could you not take any accountability or do anything for six years and if you're able to like that make enough money to pay your bills why couldn't you do a little more to make extra progress using the logic that you had man i don't know it's like i am i don't know maybe it was like vindictive yes i will tell you exactly the real answer by the way when she was over there being a fensive little bitch even though she wasn't saying the truth she told colton in the pre-interview and everything when she was less angry because they get you to spill the tea and beans and everything. She says she was basically retaliating. She was angry. So she would overspend when he pissed you off. Yes. But it's my money. It's my money. I can do whatever the I want with it. Her and accountability. I mean, that's how he set the relationship. Your money is your money. My money is my money. Her and accountability. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans, and they looked at your less-than-perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where YReFi comes in. YReFi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that too. Plus, their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Y-Refi. Head to YRefi.com slash hammer. That is Y-R-E-F-Y dot com slash hammer. Or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it way too complicated to use So you go to EveryDollar That Dave Ramsey the personal finance guy right Well they going to force you to use it his way That not very personal finances Rocket Money they got a lot of commercials but they owned by Rocket Mortgage Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, but private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, poor people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com, link in the description below. Miles apart, the moment I pull a previous quote from you, everything you just said you threw out of the entire conversation, man. It's nothing. It's nothing. You've lost everything. You've lost all credibility and any kind of accountability or blaming it all on him. My money, I spend it. Trash. No shit. Great, so I'm proud of you. So your correction for all this is you just started an OF and FetLife, whatever the fuck that even is. Oh, you got your first OF subscriber. Fetish lifestyle. Okay, remind me never to get that if this is what's on it. Okay, so you got your first subscriber. Congratulations. Who's it from? I don't know, some guy in another country. How do you find your account? From TikTok, actually. What are you posting on TikTok? Just basic stuff. What's basic stuff? Nothing to do with any of it. But you had, like, link in the description below. He, like, sent me a message, and he asked me if I made custom content. And I was like, actually. So you don't even know how much you're spending on all these apps, all this shit to get all these people to pay for you. Why do you think you're going to be successful in this? You got your first subscriber and you've made zero dollars from the thousands you spent on it. I haven't spent thousands. You said you don't know how much you spent. Well, it's definitely not like a thousand. I don't know, man. Have you got video equipment and all this shit? I don't have video equipment. It adds up. It's like tripods. That's video equipment. Like a ring light. You know? And a strap-on. Yes. Why do you think you're going to be successful in this? because I thoroughly enjoy dominating men congratulations I enjoy a lot of things it doesn't mean I'm going to be successful in it why do you think you're going to be successful yeah the industry is why do you think you're going to be successful because it's about who you know well I live in Vegas and they have the conventions and you know there's connections you know you can go to conventions whether or not you live there but either way sure continue I'm going to try and like mingle and schmooze and, you know, get to know people. Oh, wow. You have no business plan. There's a BDSM community. Everywhere, by the way. Right. LA, New York, Vegas, Austin, the four biggest in the country. I'm saying that in Vegas, where I live, there's a BDSM community and that I'm involved in. But I just started. You were not able to tell me why you think you were going to be successful. The only answer you had is I like it and I'm going to mingle. That's what everyone does in everything. You have nothing unique that is going to make you stick out. Did you ever tell me about you being successful? So I like doing the mommy kink stuff. You like? That's better reason. I'm good at it. But I'm also researching. I bought some books. I'm listening to audio books. I've got equipment. I've paid for some, like, master classes. Okay. Can I see what's in these apps of you getting these guys? I'm also a media guy while I'm here. Can I take a look? There's a guy in Galveston I'm meeting. Here? Texas is a big girl. That's like four and a half hours away. It's three hours. Galveston, I think, is a little further. It's three hours. He's... Whatever. It's not my problem. He's coming here. Oh, he's coming here. Okay. What are you making from this? Nothing. See? Colton had that as a little note. It's practice. Help her out as, like, she's actually making progress. And then he just reacted when she said that as a f***, dude. He just gave, like, a f***. Why'd you just f*** me? That was the reaction Colton just gave. Because he set that up as a way to help you against me. It's my first time doing it. Go get paid! It's practice! Practice? Sex? We need sex practice? You're 37. That blows my mind. 37? Nope, I mean, yep, you look 37. um i do not look 37 you're right you do not look your age okay so why do you need practice at 37 of sex i've never done i've never done the okay i haven't been feeding her stuff this conversation but i have to for a second because we have to learn unfortunately if she's giving this up for free what are you guys doing uh so he wants to call me mommy and he wants to suck on my nipple and fall asleep in my lap while I pet him and call him a good baby boy and that I love him. What is complicated about that to need to practice? Because, you know, like stage fright in person. What? He's laying on you and sucking your teeth while you pet him and say goodnight. I don't know. That's the one thing I'm having a hard time doing is asking for the money. Well. I know, which is like the whole point. Well, yeah, you're a whore. Almost. Almost. I know, you're trying to get to me. Um, uh-huh. Okay. Yeah, let me see how you're doing these in the apps. Show me. Whatever the biggest used one is. Let's see how you're doing it all. And it's Android. I don't know how to start a screen recording. So if you could for me, please. Thank you. Because you were bragging to Colton that you were talking to 50 guys at once right now. Yeah, on multiple apps. But you're a whore. Not yet. You're not even able to ask for it, though. You're a failed whore. The point is you're supposed to tell me. I've never met a failed whore. Thank you for giving me the first. Laugh through the pain, girl. It's not going to get you money any quicker. So he's coming today? Tomorrow. And does he come from this? Well, I mean, I've got a chastity cage for him. Teach their own, man. I usually go into it just... Okay, what is this out? BD. BD. What is for... It's for BDSM. Okay, I don't think you connected to the Wi-Fi. Do you want to see the chastity cage I brought for him? Not particularly. Has it been used? I'm going to show you anyway. It's unused. Can you confirm that it's unused? Bitch, is it used or not? See, look, his little weenie goes in here. Yeah, I mean, you do got lots of men on here, man. It's surprising. You just, you don't do much, though. This might be too big for you. You're not. you're not running you're not you're not like doing much though like why are we not closing the deal uh not until I know okay so this guy being edged and shit like that I don't know oh my gosh he's just a normal dude he's an attractive normal dude I know I told you what the f*** is he doing I told you. Well, yeah. What is he doing? Wow, there is someone for everyone, ladies and gentlemen. So this actually, I want to extra confirm for you. And so she's on the other crazy side of the. But on the male crazy side, in self losers. This is proving that anyone can get anyone. Look, it's only been used a couple of times. oh for f***s sake bruh I also enjoy using my mouth I guess we'll have to test that let's see if we go back to a hotel room get on my knees for me bruh bro he is typing you're able to get hot men I f***ing told you calling me ugly and a liar oh i also have a crazy i also have uh something for your collector i have something for your girlfriend i certainly will not be giving it to her what is it caller for you oh my goodness you do not know what we're into okay this is disgusting this is disgusting and a leash okay so if this is what you're trying to do and make money off in your place if this is what you're trying to do and make money off of what aren't we doing here? Because you've made zero dollars, you're investing money into it, you're whoring yourself out, you're going to get AIDS. Like, what are we doing? What is the game plan here? Because it's not working. The accountant by day in Dominators by night. So you want to be the accountant by day? Yeah. To confirm. Okay, good. Because that will actually at least keep money coming in. Well, yeah, I'm not dumb. Could have fooled me. Come on, Your accountability shit was insane. And I still feel like you'll never be able to accept accountability. If you're like this at 37, you're broken. You're never going to get anywhere. So you live on your own now. How long have you lived on your own? I don't live on my own. I live with my best friend and her husband. Oh, my goodness. Pathetic. Okay. Rent free. Extra pathetic then. So let's figure this out. So we know what came in. It was 4,108, which is less than you said. But, you know, every month's a little different. depends how many Fridays there are. Regardless, what did you spend that month that you made $4,100 last month while you lived rent-free? Groceries. Money. Number. How much did you spend? What was your outflow? All of it. Okay, all of it. Sure, give me a dollar amount, you dumbass. Sure, okay, so $4,100. Very good, $6,626. So you live rent-free. That's not him. That's not his fault. You don't have accountability. You're a degenerate. Yeah. Yeah. Yeah. You're a bad person. You're trying to put all the blame on him, yet you can't do anything to save your own life. This isn't going to pay off your debt. You make more money than you're going to ramp that up to 8,000 spends. It's pathetic. You're pathetic. You think yourself is domi mommy? No. You're submissive to the world. You're pathetic. You're nothing. You're nothing. Society, you are the bottom. You are a taker. Like 10 years ago, I would have been middle class. Now, you would be middle class. You have an incredible income, and you pay zero for the roof over your head. You're a failure. You're pathetic. I participate in the utility bills. You're pathetic. And for the groceries. Pathetic. No, I'm not. Yes, you are. No, I'm not. You blame everything on him. Then you get just a few little bills, yet you spend $2,000 more than you make. I would have a few little bills. In terms of actually the roof over your head. Yes. So you are pathetic. I'm giving myself the life that eventually I will be able to afford. Make that make sense, please. I'm living the life that I eventually will be able to afford. How are you going to afford it? The friend you're living with, her husband wants you out in June. That's a couple months from now. How are you going to afford that? You've got to afford that now. You can't even afford living for free right now. So how are you affording that in the future? Make that make sense for me, please. Well, I mean, so my sister is going to help me manage my online stuff. She's sad. Pathetic. Next time someone like her comes to you and she's like, I'm hot and it's all my ex's fault and all this stuff. Do not listen to them. Do not listen to them. Fucking punch them in the face. She's a pathetic moron. She's going to be my media marketer and she's going to be helping me post content on only friends. What the f*** is wrong with you? What is wrong? Post your own shit, you loser. I don't have time. What? You have nothing but time. No, I don't. I also run a guild for the Renaissance Festival. Do you get paid for this? No, that's all volunteer work. Then stop. It's a hobby. I don't care. It brings me joy. I don't give a shit. I don't give a shit about your opinion. Then why are you on the show where it's only me giving my opinion, moron? Well, I mean, I'm trying to start from scratch. Okay, starting from scratch. I'm going to get you there. Keep all the money and post it yourself. yourself. Well, I'm not paying my sister. What? She's going to do it for free? Yeah. For everything? Yeah. And you're never going to learn the skills yourself. So she's going to see all that good stuff. Well, she's my sister. Sisters look at each other's clits? I mean, if I have an ingrown hair, she helps me. Okay, I'm getting like a huh from Lindsay, so okay, I'll accept it. Oh, she says it's weird. Never mind. okay yeah it's weird i don't know we do have a very unique relationship yeah incest how much time is being spent on this biking stuff it's not a lot a lot because i also teach sewing classes bro you just figure out your shit you want hobbies or you want career i mean sex work itself i mean both no not really when you're when you're not making you know you are making enough you're just spending way more but you're saying you're trying to prepare for this lifestyle you're gonna live I'm still confused how are you going to survive in June Well we decided I'm not moving out in June Because apartment prices go up In summer Who's we because I don't think the husband agrees Well He wants you out in June He wants you out in June His wife convinced him that June is not a good idea Okay fine July what are you going to do September what are you going to do You're pathetic What am I going to do You're a bleech Apartment prices go up no shit but you make literally good money I'm going to get an apartment with my sister who doesn't have a job. Oh, my gosh. You're never going to. You're never going to. You think you're a strong, independent woman? No, you're a pathetic, broken individual. Well, I took care of my mom since I was 19. I don't give a. And I have the only income. You know how hard it is to pay for utility bills and be the only person doing it with making $10.30 an hour? And she didn't have health insurance. and I had to pay for all of her doctor's appointments. That part, I do not know. I can't relate to that one. I can relate to all the other ones. And we were in the middle of getting her approved for Social Security disability. How old is she? She's 72. Okay. Okay, well, she already has Medicare. She didn't have Medicare at the time. What? What are you talking about? SFDI. Yes, I know that. Yeah, you have to get approved. But she's on the age for Medicare. She wasn't at the time. How? She was 64. Which is pretty much there. What is it, 66? Okay, so like a couple years? Either way, she could have gone on it earlier anyway. No, you have to be approved. You have to have a disability. What did she do? She's got fibromyalgia. And she wasn't? You didn't approve her? No, you have to have all this paper trail with doctor's appointments. And have a pain history. Okay, so two years of that, and this was over a decade ago. Yeah. So what's the excuse for the last 10 years? that I lived with a drunk of a boyfriend. Okay, so again, none of it's your fault. Like, you can make a victim thing from about 10, 15 years ago. Like, yes, that sucks. Like a mostly vampire thing. That sucks, that sucks. Ooh, wah, wah, wah. Okay, but what about you and your life and everything you're doing literally right now, spending more money than you make? Again, you are literally trying to play victim from something that happened. I'm having a great time, though. You're having fun. That doesn't matter. I'm having so much fun. Okay, then what are you trying to do? Why are you here? You go f*** yourself, then. I'm not going to talk to someone that doesn't actually want to improve their life. I do. I do want to financially improve. having so much fun. That's all you care about. Well, I haven't had joy in like six years, actually. Okay. Have joy and also spend less than you make. You have no overhead, barely. Shut the f*** up. That's funny. Yeah, I gotta laugh. You don't. You actually just have to spend less than you make. I know it takes a lot to store you, but you're getting that storage for free right now. i don't know you create a hurricane every time you move your arm things are flying around you don't like my dress absolutely not i'm sure they like my dress no but you do get the couple freaks on there you approved with your phone and that honestly blows my mind so what are we trying to do so you're gonna have to pay for your sister you want to replace that again you want to replace your mom's situation you're gonna have to pay for your sister in a few months she has no job you want to support another deadbeat you want to go deadbeat to deadbeat to deadbeat dang when you say it like that well yeah no i love my sister she's fucking great i didn't say you don't love her me she's gonna be she doesn't have a job she's gonna be doing free work you make nothing off this you have one subscriber this is not marketing manager you're just posting videos just post video schedule a sprout dude i like it's hard man it's literally not it's literally the easiest thing you could ever do i'm struggling so many apps then you need to stop then you cannot handle it i'm having so much fun then choose it over the renaissance shit and sewing you have to make choices no that's prior commitment that involves other people stop this you only have so much time your sister does nothing that is not going to pay the bills when you guys are together eventually it could no eventually it could heavy on the could heavy on the could you know what that eventually it will That's not how this works. Eventually it will. I'm manifesting my destiny. That's not how this works. It's the actual work, and you don't even know what it takes to get there. You're just hoping your sister will do it for you, and she's a loser. She's a loser. She's not going to bring any skills to it. Well, she's taking care of our mom right now. That's why she doesn't have a job? Well, she can't get a job. Why? She's going to school. For? Marketing. Why doesn't she have a job? I don't know. Your sister's a loser. Okay, good. Oh, my goodness. I swear. We ended up to the, I have, I have a hypothesis. You say no. Shut the fuck up. I have a hypothesis. You say no. Then you explain it. And then it confirms my hypothesis every time. Every time in this conversation so far. I don't agree. Okay. Okay. Wonderful. That doesn't change reality. I don't understand. That means nothing. Okay. Listen, what do you think your hammer financial score is? What? When you move that, you cash out your entire Roth IRA? buddy you're already approaching 40 you're unk you can't shut your Roth IRA why you moved into a place that doesn't have any overhead why you can't shut your Roth IRA even with all this debt now okay so the original plan the original plan was I was going to move it into my new 401k at my job what your Roth IRA into your 401k yeah I was it wasn't making any money that's because you didn't choose an investment vehicle probably Oh, my gosh. Oh, oh, oh, you suck. I don't really know anything about investment. It doesn't matter. That's that's that's not even a lack of knowledge. So and then my boyfriend at the time convinced me to use some of that money to fix up the truck that I had. So I spent probably a total of eight thousand last year fixing up that truck. Oh, what's the current status of this truck? Oh, my sister borrowed it for a couple weeks, and then she got into a car accident. Did you have gap insurance? It's in 1998. What did you have on it, if anything? Yeah, there's car insurance. Okay, did you get anything? I'm in the middle of getting that worked out. When was it? Halloween. You're in the middle of getting it worked out still? Yeah. Yeah, insurance. What's the current status? So I submitted the quote that I got from the body shop and the mechanic to the other people's insurance. She got into a fender bender in the front and the back. Is it drivable? Yeah. What's the issue then? The back hatch doesn't open. Okay, what's the issue? The headlights are pushing into the radiator. Okay, there you go. Yeah, that's more. okay so well where'd the other five go of the roth ira that you pulled out on taxes fees bullshit like that probably i didn't pay taxes on it no i don't think that's possible i think that's automatic i think the i think it holds it for you what no if i told you filed this year yet no and have you filed an extension no you just skipped the filing date which was yeah yesterday Yeah. I'll just do it next year. No. You owe money to the government. Listen. Sometimes, you know, when the government owes people money, they don't freak out when you don't file on time. But when you owe the government money, they're not very happy. You probably owe the government money. What's pulling out? What's pulling out from that? Roth IRA. Yeah, I'll deal with it later. Do you know how much you owe? No idea. You know what your tax situation is? You haven't even gone through TurboTax without filing just to see what you do? No. So what's the plan? Just kick the can down the road? That's it? That's the entire strategy? Like, hope that I have enough money by next year filing? Hope. If you actually start making your money from the show, you're going to have to do quarterly estimated payments as a contractor, as an independent business. Yeah, 1099 stuff. Yes, and you're going to have to pay all the taxes. There's no employer to take care of your portion of the payroll taxes. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for DollarWise Annual, you'll get my four-course educational bundle as a special bonus. So you can get financially ripped while you track your money, and normally this would cost over $700, by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and a lifetime access to my four best-selling courses. Oh, and you'll also get a free copy of my budget-friendly cookbook PDF to download, so you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to dollarwise.com or click that link in the description below. 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 $200 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Yeah, I'm an accountant. I know that much. Uh-huh. You know that much, but you didn't file your own taxes. You don't have to file every year. What? You can back file. Okay, are you going to back file? Yeah, next year. Okay, with a penalty? Yeah. From what you already owe? That's my plan. Dude, you are so f***ed, man. Okay, and you think selling your farts is what's going to make up for this? That sounds really great. You are not Amranth. I don know who that is The one who basically invented selling farts Okay You don even study the industry you trying to do What do you think your financial score is? Zero to 10, zero being the worst, 10 being the best. Probably like a three. If you want your hammer financial score, get it for free at CalebHammer.com. Take the assessment, see where you stand in the world of money. It is free. It just takes a few minutes and you get your own personalized score. So link below. And if you don't want to be like a guest who ends up on the show, join the tens of thousands of other people in this community who are active dollar-wise budget users. Listen, they use it for a reason. They are changing their lives for a reason. It is incredible. Incredible automated insights account connections. It is awesome. Check it out. Get a free trial. Most people take the annual version because it saves a lot of money. And when you do, you get my detailed personal 30-day meal plan that we made specifically for you. so you can do every snack, every meal, every drink, all within that nice little budget with meal prepping. There's no excuses anymore. You also get the digital version of the cookbook now so you can make every single recipe. I know you won't use this. It is way too little calories for you, but go ahead and give it a try if you ever want. But I'll sign it and mail it directly to you. Dollarwise.com or just download it or click the link in the description below. Check it out. Get the free trial and get that. I want to mail it to you. It's awesome. People love it. I hate cooking. so we'll see. Yes, I know that. I will see lots of going out to eat in here. I know for a fact. There's no way you didn't spend that much money and you didn't go out to eat a lot. 500 bucks. Miscellaneous bullshit is a crazy one. 1,500. That's the what one? Miscellaneous bullshit. It's just anything else that you just do not need. It doesn't benefit life at all other than dopamine hits. Yeah. Dopamine hits. So I recently stopped drinking caffeine because I found out that No, you're literally drinking caffeine right over there. Well, I mean like coffee. That's... I was drinking like three cups of coffee a day. You are drinking caffeine. Does it matter? Does it have caffeine in it? Yes. It doesn't have sugar in it. Two of those is equivalent to about an eight ounce cup of coffee. You think sugar is caffeine? Do you think sugar is caffeine? No, I know sugar isn't caffeine. You just said... Are you sure there's caffeine in this? There's no sugar. You're okay. So you didn't stop drinking caffeine, but what was your point? Well, if I drink less caffeine, then my antidepressants work better. Okay. What does that have to do with what? Dopamine hits. Your behavior certainly hasn't changed. Having no routine for sure. No self-discipline. That's why I'm going into. Girl, you already got enough. Trust me. That isn't doing anything. It was already there. you're fine buddy you're going to be dead before this card payment is paid off the card payment? yeah this card payment Southwest Rapid Rewards $13,142.08 minimum monthly payment $423 you're morbidly obese almost at 40 you're not going to live to the 24 years this is going to take to pay off you're never going to get to the other side of it your life expectancy See, range is usually within the next decade or so. I'm actually really healthy. No. No. I've done all of my blood work recently, and it all came back normal. Okay. I'm very healthy. Okay. Will you stand on a scale right now? Hugh, no. Then you can't tell me you're healthy. My blood work says otherwise. Okay. Will you do your blood pressure right now? My blood pressure? Yeah. Sure. Okay. Can we have it? Let's see. I mean, maybe you are. Maybe you've gotten lucky right now because the obesity itself isn't the health concern, but it is the leading cause for many of the things that cause death. Heart disease, high blood pressure, heart attacks, diabetes, all that good stuff. Right, but I'm not getting on that stupid weight loss shot. Okay, you don't have to. Just eat less calories than you make. I don't know. I do eat less calories. No, you don't. But I sit all day. No, it doesn't matter. other than your baseline. If you consume less calories than your baseline, you will not gain weight. You will lose weight. You can't tell me that. Well, you have to count calories. Yes. That a pathetic moron. Listen, maybe you aren't healthy. I don't know. But it's just like, here's the thing. While that's going. It's not that I really give a shit about your weight. I don't want to. It's not even a thing. That's not what matters. People always think I'm just digging into the way to dig into the way. One, again, you will not live by the end of this car being paid off. But two, more importantly, what is the point, and I don't bring this enough in the episodes, what is the point of the immense sacrifice that is required from after this conversation if you don't get to live to enjoy the benefits of the other side of the immense, immense work? So there's that part of the obesity conversation. There's two. The health is expensive. It's going to be you have less energy to make more money. There is less. There is more health complications that are expensive. Okay. No. You're about 150 over 90. Was that what it was? Okay. So 144 over 87. So no, but it's not an emergency, but it's not necessarily defined as healthy. I might be able to use the excuse that this is a stressful conversation and that is true, but you are hypertension stage one pre-systolic, not diastolic. Okay? Okay? Okay. But you told me you're healthy. Yeah. Your blood pressure is not. Well, that's because I'm here. But also you are morbidly obese. Not morbidly obese. Prove it. Prove it? Yes. How the f*** am I supposed to prove that? You step on the scale. On 260. Step on the scale then. Okay, cool. She consented. Mark? Mark? The holder of the scale. Listen, again, I do not give a shit if you are specifically. But if you're going to come on here and give me... I don't understand how this has anything to do with that. I just answered that twice. Did you not listen? I gave you two very critical points. One, what is the point of you sacrificing the immense amount of very uncomfortable sacrifice that is required from this conversation if you're not going to live long enough to actually enjoy the sacrifices? And two, being morbidly obese is health complications, which is expensive, which is debt, which is one of the leading causes of bankruptcy in this country, and less energy to do work. So many of your life goals, many of the things that are required are actually impactful in this conversation. So it's not just making fun of you for your weight, even though I'll do that on its own. but it's not just that but also more than anything I don't let lies pass on this show and if you sit there and you tell me I am healthy I will not allow that so would I have asked the blood pressure or weight if she didn't say she was healthy no but I'm not going to allow people to bullshit me on this show also it's Caleb Spring and also it's whatever the we can do whatever the we want on the show it's a fun show it's a good show and also she consented to it and it's not against her no-no list her things on her no-no list I will not tell you what's on her no-no list that she said before but we're not doing them because I respect all boundaries I weigh less than that good what's your weight? 43 you no that's good I don't want you to be unhealthy how tall are you? 5'6 So that's the point. And because people will cry victim for you a lot on the show. Was this on your no-no list before? No. So your BMI is 39.2. What is it, 39.2? Okay, so you are morbidly obese. Oh, no! You are one pound away from morbidly obese. You're obesity class two. You're not overweight. You're not obese. You're obesity class two. Joe Melissa BCD class three, which would be morbidly weight one pound. So take a sip and you'll get there. OK, so what's going on with this card? Because, again, you will not live was the reason this conversation started to the end of this 23 years. Statistically, maybe you'll beat the odds. But even so. What's going on with this card? So I got that card when it took. A month for me to find a job the first time I got fired. Here she goes with the whole victim shit. No, what's going on with it? You literally spent more money than you put on it with the interest accruing, making the balance go up. This isn't about you losing a job in COVID six years ago. What is going on with this card now? Oh, my gosh. Why do you really keep this issue yourself as victims? I use it for plane flights and for cashback stuff and, you know, whatever I need to get. Shield storage, $130 a month. Yeah, I have a storage unit. Get rid of your shit. Who cares? I just moved out of my ex's place. It's stuff. It's stuff. It doesn't matter. You're putting it on an interest accruing card that is going up in balance. Dude, almost $4,000 of interest just last year. Get Kuto Talon. It's an app. Get Kuto Talon. What? You can read it. It's the second line item. And then you also were paying for TikTok. And then two Starbucks orders. So what do you get for Starbucks at $30? $30 a pop. But either way. Oh, that's a reload. Reload what? My Starbucks gift card. Okay, but the second line item on there. Some kind of app it says. I have no idea. Oh, my. Oh, my. You are broken. Thousands in interest, obviously, fees. But I think this is annual fees. Insane. Insane. That alone is insane. That balance is crazy. I need to be clear. I need to be clear because I know I yell at everything. That is insane. A balance of $13,000 is insane that you're only going up. And no, it's not because you were laid off six years ago for six months. No accountability freak. So Quicksilver, what's going on with this? Well, when I got laid off six years ago and took care of my mom 14 years ago. Quicksilver, I use it for like gas and fixing up my car, like oil changes. which by the way on the accountability thing you blamed it on your boyfriend talking you into doing it you know you had the choice to say no you're past that magical what is it 26 year old frontal cortex for every woman age you're finally an adult you can actually make informed decisions for the first time in your life like you still could have said no have you ever been in an abusive relationship okay you never said abusive it's an emotionally abusive relationship Okay, well, now it's immediate. Okay, you went from abusive to emotionally abusive. It is different, but it is still bad, to be clear. But also, you never said that in this conversation. You said he was a drunk and a failure and didn't take care of you. That is different than emotionally abusive, which also, unfortunately, I do not. If you said that at the beginning, I would have believed you. Unfortunately, I have to let you know why I don't believe you. Because one, an hour in, and we've talked about him so many times. You have not brought that up once. that wasn't on a no-no list either. Two, neither is it in my notes. Three, every single time you get called out on something, you try to find an excuse of why it's not your fault. So now after calling you out for an hour, you pull that out of your ass for the first time. You've made it impossible. I just assume you knew what the fuck that meant. If he's a drunk and he's a piece of shit. You said he was a piece of shit but not taking care of you. Yeah, by not being a good partner. not taking care of me. Not being a good partner can mean a lot of things. Not assisting me when I'm down and out and like I need help. That's different than emotional abuse. Emotional abuse is constantly getting drunk and yelling at me and punching holes in the walls. Yes, it's different. You didn't say that. And keeping up until 1 a.m. on a Wednesday to have his argument made. You didn't say that. Well, I'm saying it now. Also, you're the girl who has cried wolf and I'm so sorry. I want to believe you. I don't really give a shit about your opinion. Call him. Clearly you do. Clearly you do because you're on this show. maybe I will in the post show we'll see but I don't know when you do you're on the show care okay and it just matters you don't have to care if I think it but you should care why I think it because others might end up thinking it in life when you're the girl who cries wolf you don't want to be that person it makes it impossible to believe anything you say that's not good you don't want to be in that position okay so if if that is actually a real thing that happened i am horribly sorry and i'm just gonna believe it did but i'm having a very hard time believing i don't really care i know i know i know yes that's your cope that's what you say obviously you do but yes that's the easy cope to say when you hear something you don't like eight thousand six hundred sixty dollars and 29 cents on your quicksilver one card well unfortunately it is past due why possibly is it past due? So I was making weekly payments. Why? Okay, okay. And I switched it to automatic payments. Okay. So what it is is I have it set up in my bank account that my bank account sends them weekly checks in the mail. Okay. And then I stopped that, and then I forgot to set it to automatic pay. So you said you set up automatic. I didn't know that it's, I had to wait a month. I had to like manually pay it for one month. What? If you set up auto pay, it would pay. Right, but I have to like manually pay it after I stopped paying through my checking account. Okay, okay, sure, maybe. It's a little hard to fully believe that. But of course fees and interest. Okay, let's see if that actually lines up with reality. Okay, it didn't. You had three late fees last year. So no, it wasn't a one-month thing. Clocked it. Your f***ing die in Minecraft. I was just like, dude, you can't tell me that. I mean, you've had multiple late fees. It wasn't one month because you f***ed it all up. Is it on that one? I think it's just on that one. Just on this one, silly goose. Yes. Okay. Oh, no. I forget about that. I forget about that credit card. There's the reality, okay? I forget about that credit card all the time. She just doesn't do it because she's not responsible. She doesn't budget. Use dollar wise. Stop. I'm so done. I don't budget. My friends have tried to get me on budgets for years. Well, allow this to be your chance. Take our budgeting class as well. That comes in the Master Your Money program. You get it all for free for the rest of your life. CalebHaner.com. I'll try it out. Please do. I mean, literally. What? I think like 30,000 people have taken our courses. I mean, it's not like I'm not interested in trying to find a method that'll work for me and then I'll actually stick to a plan and stick to a routine. I mean, that's what I want. I want to get a handle. It's like Cinemark and Sag to Pay. Oh, shit. I forgot about Cinemark. You forgot about Cinemark. So my ex and I went to movies all the time. that's a good date activity I started paying for Cinemark because it gives you free so that's the crew on this card that is basically maxed out that you are not ever paying on time my entire life what are you doing I just don't understand why you don't care there's so many like automatic payment things that I forgot to cancel just close the card and then nothing will happen so he has my Netflix account my Hulu account my my Crunchyroll account, my HBO Max account, Amazon Prime. You just cancel the card. You can't have access to it anyway. Can I cancel the card? You can close it, yes. I didn't know you could do that. Close it so you can't charge on it, and then these things will just stop charging. But you can't be trusted to have debt. You can't. You don't have the behavior for it. You're not a credit card person. Yeah, no. Well, there you go. I didn't have credit cards until I was like 23. Well, realize it then. Close them. Take away the weapons that are harming you. I did. I wanted to bring all my credit cards on the show so I could cut them up in front of you. Okay. Well, I don't even need that. Just close them because you can just order another one if you cut them up. So, yeah, it's a good visual moment, I guess. Symbolism. Sure. Okay, USAA. What's going on with this? That's a new card. New? Why? So you couldn't manage the other one, so you opened another one? It has basically the same balance as the last one. It's a new card? $8,140.96. cents. What's going on? $148 minimum monthly payment. What's going on? Hello? I don't know. Look at what's on there. I'm trying to have you diagnosed before I look so I can see if you have any reasonable understanding of what's happening in your life. That's why I ask that for every single guest. What is going on in this card, asshole? Buying things. Oh, you're pathetic. One, you're over the credit limit. One year over the credit limit, so I was hoping you knew that, but of course you don't. Failure. Over by $140.96. Minimum monthly payment of $148. Takes basically 30 years to pay off. You will not be with us. I hope you are. Maybe it will be the odds. Do you think I'm going to live to be 70? No. How many morbidly obese people do you see at 70? All the people where my mom lives. Are morbidly obese? Mostly, yeah. at 70? They're the lucky ones that made it. I don't know. They look a little rough. Well, they shouldn't be at 70. Yeah, that's kind of the point, right? I want you to. I want you. I want to. But that's the thing. With your fast food and miscellaneous bullshit spending on here. That's why I'm here. That's why I'm here. There it is. Ding, ding, ding. With the fast food spending and with the miscellaneous bullshit spending you do, the thing is not only would a budget help you financially, it would help you health-wise. you get more healthy, live longer, have higher energy, lower medical costs, lower blood pressure. I do have, hereditarily, I do have high cholesterol. That's probably not good while also being morbidly obese. Not morbidly obese. Okay, you take a couple more steps. I'm pretty sure you are now. You're still class two obese. You want to be considered class two of any kind of obesity? I've never even heard of that since today. You, accountability. I mean, I never said I was not like fat. I mean, I know I'm fat. But I'm okay with it. I think you were like every single month last year on this card. What's the point? The moment you opened it, you never paid a card payment on time. You transferred to this card, it looks like, is what I'm being told. Oh, and then you used it for everything because you lost it. Great. Okay. But even then, you still didn't ever pay your minimum monthly payment. Ever. Ever. Ever? I thought I set it up, auto pay. You have to set it up with auto pay. Maybe. It's through my checking account. There's a chance you did, but you didn't have enough money in your checking account to actually make that automatic payment. That happens, yeah. Well, buddy, you've had $301 of fees last year. Usually a late fee is $40. Do the math. I mean, it's crazy. just above the credit limit. That's why. All these fees are just making it go above. That's why I went $140 over, plus the interest. Hundreds of dollars of interest, hundreds of dollars of fees, 25.65% interest. It's 25%? Well, no, no, no. That is really bad. But most credit cards are near like 30 that people like you would have. Okay, well, look. Listen. Listen, Linda. The Amazon credit card. What is that a reference to? Starbucks is bullsh** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Stop bleeding out money making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high-interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates. You need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to calebhammer.com. And remember, you still got to do the work. Oh, you're like an old boomer millennial. Okay, continue. Cute. I mean, it's true. If you're pulling boomer memes. We are young. I made sure that the Amazon credit card that I have, I know that one is 29%. And I made sure that the credit limit, they don't exceed 300. That I can't spend more than $300 on that credit card. Gold star. Look, it's Amazon. Yeah? I got it all the way up to like $1,400, and I didn't notice it. It doesn't matter. Because all these balances we looked at are above eight. And then I paid it down, and then I called them. This was like. Okay, Wells Fargo. You couldn't get a statement for us. Oh, that one's the brand, brand new one. I haven't even. Oh, brand, brand new. I haven't even set it up. That one, it was my tire popped when I drove to L.A., and I didn't have the money or the credit balance to get new tires. Okay, that doesn't add up to $4,236, though. Those things that you just mentioned. That's the one that I lost my debit card, so I used that. So if I actually had the statement, it would be all bullshit. Yeah like groceries movies paying for my sister stuff For your sister stuff Oh my goodness we going to need to call her and the ex Oh Oh Just got her, um, I paid for her haircut last weekend. And I took her out to lunch. Okay, call your sister right now. I'm done. Call your sister right now. We'll call the ex in the post show, but call your sister right now. Yeah. You don't have to look for him for permission. It's my pro, but also he would say yes. Wow, she's the attractive one. That's an old picture. She was the attractive one. I already said that. For sure, she better answer the phone. I did just pay for her phone bill. Yeah, she damn better answer the phone bill. I paid off her phone bill. How? You don't have money? On that card. she has no idea you can't text someone while you're calling them on android my phone's probably locked no swipe up i got it there's so many men in here oh i did do that i'm very organized call has been forwarded so all the guys that i talked to they have like the little two heart emojis okay we're gonna hope she calls back okay so this is insanity what's your minimum monthly payment on this thing so you owe 4,236 I think it's I wouldn't trust you for anything but sure oh here you go she's calling hello hello what the f*** are we doing here listen I'm talking to your sister I'm talking to your sister why the f*** is she paying for all your bills and why are you guys gonna move in together She was already taking care of your mom and she's blaming all her shit on taking care of her mom and then all of a sudden taking care of her failure drunk ex. And now she's going to move into you in September and pay for all your shit while you do absolutely nothing. Why the are you draining your sister? Dude, your sister has been used her entire life. Why are you using her now? I'm not using my sister. She just paid your phone bill. She just paid for your haircut. She had to pay for your haircuts. Because I'm not able to do that. Why aren't you able to do that? Because I'm filing for disabled, and I'm actually going to school to get my bachelor's. And what's your disability? That's none of your business. Kind of. Your sister's giving all her money to you, and she's going to move in with you. I'm not going to tell you my personal information. That's what that... Okay, good. So you're not disabled. Very good. and you're probably going to try to abuse the system, and you're a taker just like your sister, never a giver. You're welcome. I am a giver. What are you a giver? What are you a giver taking student loans for your school, getting on disability, and I just wrote a $2 million check for taxes yesterday. You're welcome. Wait, are you doing this for my sister, or is this interview for me? So your sister, who is giving you money because you can't do anything to save your life. She's been used her entire life. You know what that's like because you dated the same guy apparently as her, which is crazy, by the way. What the kind of incest shit we got going on? But not only that, your sister's been taking care of your mom. Then she took care of this drunk for 13 years. And now she's going to move in with you and have to take care of you. It is not fair to your sister. It is disgusting. She's paying for your haircut. And you're like, wow, I have a disability. No. Because I would do the same thing for her. Except you never will because you don't work and you never work except for when you're a stripper, but you probably aged out of that. What the? We'll leave that there. You may have gotten in trouble for that one. You may have gotten in trouble for that one. I think so. What's your disability? I don't know. oh my i don't know can you guys imagine how much less in taxes we could pay if people just weren't able to abuse the system so easily not getting unemployment why would she i don't know what are you talking about abuse the system she's finally for disability you don't even know what disability she has because she doesn't have one i do know that at her last job when she lived here that she fell off a ladder and hurt her hip. And so she was on like workman's comp but it's like a, I don't know, she's got like something to do with her. We need a revamp of every system we have, guys. We set up systems with good intentions and people have just learned how to abuse it over the years. It's disgusting. It's really disgusting. I, man, hate what this show has turned me into but once you see the inside, once you see how the and Sasha's gets made. It's disgusting. PayPal credit. What's going on with this? First of all, now you didn't even tell me what you think your Wells Fargo minimum monthly payment is. I think it's like 140. So she hides that she's a stripper? She used to be. She used to be a stripper? She hides that information? I didn't know that she didn't want to talk about it. Oh. That's funny. Okay. She also had no idea that you guys were going to call. Did she know you're on the show? Yeah. Okay. She called back. $2,508.17. Yeah, you can deal with that. I'm going to be in so much trouble with her. You give her free money. I don't give her. She kind of owed you that. Okay, buddy, this takes 13 years to pay off your over-the-credit limit again on PayPal credit. $8,508.17 with a minimum monthly payment of $57. oh tick tock shop what is Lunavia lots of tick tock shop tick tock shop liquid red AMC Lunavia what am I not saying that right it's for toenail fungus Lunavia it's a cream toenail fungus for stretch marks okay i bought that out of an insecurity because my ex said that uh i got so fat that i look like i've had kids when i haven't well yeah me too that's what happens i bought cream to put on my stretch marks on my stomach well i mean you probably shouldn't have like your partner shouldn't hurt you for that but yes i mean i got stretch marks right here too when you get fat your stomach does this and that's kind of what happens when you get pregnant as well so stretch marks happen so that's not surprising show me your sick tech shop hey if we both do it right and we lose weight we'll have loose skin i don't want to lose that much weight uh you really should like 20 pounds no no no you'll be obese class one come on you got to be healthy and we're not doing this health in any size bullshit thing science doesn't agree with that. Fortunately, news magazines got like co-opped into that shit. How do you go to TikTok shows? Just give. Just give. You're the one that spends it all on there. How do you not know? All right. You got like the most insane amount of bras I've ever seen in my life. I know. It's crazy. You're the one that did it. I like stuff. Congratulations. I'll put things in the car and then I'll take it out. Yeah. Oh, my gosh. You're spending so much money on just such bullshit. It's just so much bullshit. And shoes, so many shoes and plugs and necklaces and headphones and bullshit. Oh, you are like a T-Move purchaser. You have like a battery box and so many clothes. What is the $261 solar panel recharger thing? Dude, this is insane. I didn't buy it. This is insane. What? That was in your history. Yeah, from looking at it. Oh. Yeah, yeah, yeah, yeah. Okay, eBay. What's going on with this? Well, I would assume eBay. Still six years to pay off. You didn't even look at... See, that's not my purchase history. That's my view history. Show. I'm getting there. Okay, well, you look. eBay, $1,366,038. Minimum monthly payment, $49. Yes, there are still purchases. Oh, security. You're paying for a security thing on there. You got interest and fees galore. 30.49% interest. This is ironic the way you live. Okay, bras, bras. Lots of, you know, the kind of pants that fat women wear. Lots of fat people outfits, yeah. Yeah, yeah, yeah. The classic, like, waist slimming outfit. Yeah, yeah, yeah. Some books, I think. That sounds like bullshit. Okay, lots of bullshit. That's fine. uh synchrony what's going on with this marshals immediately purchasing a marshals okay minimum payment at $27 $299.99 owed you're just shopping on every car doing so much bullshit left and right left and right okay so this is the big scary amazon card that you were freaking out about earlier what's going on with this I know that one has a really high interest so I keep the balance really low I try I try to pay off the full balance every month now I haven't been or I don't think I have a long enough $29 minimum payment $296 balance yeah you're not going to pay it off Amazon Amazon Amazon Amazon Amazon Amazon Amazon Amazon show me your Amazon this is insane this is so much spending so much bullshit. City Simplicity Card. Oh, okay. $398.81. Minimum monthly payment. $20. Two years to pay off. Oh my goodness. So much Dominatrix. Bullshit. Bullshit. So much hair things and yeah, Atkins, that ain't working. Oh my gosh. Iced coffee flavor Atkins Cafe bullshit. It's so stupid. Those are the protein shakes. They're really yummy. They are really yummy. I don't think it really works, though. Lots of hair shit and lots of septum piercing bullshit. Of course. I didn't even notice it because you have so much stuff going on. Usually it's the first thing I notice is the septum piercing. Spending, IHOP, the criticals, the necessities. Health conscious with your Atkins and IHOP. Wells Fargo, wagon's going to hold you. That one's my oldest credit card. Okay. The balance is low. What's going on with it today? The balance is low. I don't use it really that much. And why don't you pay it off? Oh, you did. Okay, I'll cross this one off. But it's Uber Eats. What's the point of Atkins with Uber Eats? Sometimes I can't leave my office. I'm in the middle of doing stuff. Pack a lunch. Make a sandwich. Atkins. Nail plan. The 30-day budget meal plan for a reason. Pack your lunch, meal prep. It's pathetic. No accountability again. Okay. Oh, personal. We got a personal loan. $10,000 that you couldn't send me. You couldn't send a statement. What's the personal loan for? Of $10,000. $10,000. So that was I got when my credit balance was up to $14,000. and I was looking to see into getting I tried okay this I didn't okay so this is really stupid it's so stupid so I went to apply to see if I would get accepted so I could pay off the credit card and then they approved me for 10 and I thought it was just like a okay cool you can get 10 I didn't know it was a cool you're getting your minimum monthly payments I make uh two what's What's your minimum? I make weekly payments. What's your minimum? That's 187 every two weeks. It's like 17%. Okay, 374. Yeah, that's not good. Maybe, I can't advocate it for you. Listen, I do advocate for debt consolidation and personal loans and all that shit, even bankruptcy. Sure. If you change behavior. If you don't, it ends up right here where you consolidate under one and you bring all the balances up again. And you have double the debt. You just touched my foot. Don't do that again. this is disgusting this is don't don't make me nasty don't listen so i mean we we opened a marketplace on calebhammer.com to apply for personal loans if you're in that position of wanting to get a better rate because it's lower rates and stuff like that i'm not in the position check that out at calebhammer.com but only if you change your behavior first i do know that i'm not in the position to get a personal loan i am not ready i know that you i want to advocate for you you haven't changed your behavior i'm seeing for people out there that have i want to change my Once you do, then you can look at CalebHammer.com and find the one that is better for you. West Lake. That's my car loan. Do you not owe anything on it? Oh, no, no, no. What's your car? It's a 2021 Hyundai Kona. $6,544.44. What's your minimum monthly normally? $474. Yeah, it's worth $2,570. Oh, there we go. That's it. you're so dramatic oh i should be because you're up you overdraft 10 times yeah yeah i should be dramatic you're not dramatic enough i get paid weekly and sometimes i forgot i don't get the the build dates correct what that doesn't matter Yeah, it does. Weekly is even more beneficial. I know. It allows you to shut the fuck up. Yeah, I get billed weekly. That's my issue. It's not Taco Bell. It's not O Pollo Loco. Beans that brews. It's like barbecue. Taking $104 out from our checking account for who knows what. Going in and getting some bullshit. PayPal transfer $104. Going in and getting some bullshit from the gas station. Listen, I don't even know if you don't do caffeine anymore, but you can do the hydration drink version. Here. I'm looking for the caffeine free okay caffeine free here you go so that's the hydration drink version instead of the caffeinated version no more going to the gas station and getting some bullshit do your gamer subs it's 40 cents a serving with a 10% discount using my code Caleb but my link in the description below get your free samples see what flavor you like and then once you know what flavor you like get that 40 cents a serving make your energy drinks or hydration drinks at home instead of getting a Gatorade or a Monster or whatever energy drink you do that costs expensive $4. 40 cents a serving. Come on, guys. So, yeah. That's my weekly payment. Not the Popeyes. Not the Zelle. Not the Nell's Auction of $41. Not the going and getting some bullshit. Natural 21 game. Cave out $3. Vegas Bakery. Storage unit again, even though we already had that on other cards. Hilly dating app. $30 for that one. Zelle and I are $150. You're paying more to people than people are supposed to be paying to you. Fashionova. Auction, $70. bucks. PayPal, TikTok videos, two bucks. Dell Taco, SimCity Taco, Cornish Patreon. Shut the f*** up. Okay, fine. Well, answer. I don't know. I don't know. I don't know how to work. Missed it. Well, call her back then. The Bonfire, Albertsons, ATM with Raw, TikTok videos, Hobby Lobby, BBW Cupid. My mom called. She's not happy either. Call your sister back then. Quinn Audio, Albertsons, eBay, PayPal, Walgreens, liquor, Parlette, Marina's Fitness, Jack in the Box, Coffee and Beat. Call her! Call her! Give me your phone. Give me your phone. Give me your phone. Give me your phone! Give me your phone! Just go with it. Give! Give it! Get off of me. Give me your phone! Get on your chair. She's not going to answer. Okay, give, give. Just give me the phone. Because you're an asshole. Give me the phone. Here. Baby. Sick. We will call you back. We'll call her back in the post. You got $12 in here. You're over-drafting every second of your life. I'll get you a course career certification. I'll get her a course career certification as a win so she can not be a stripper with disability, apparently. That's really common, actually. Mental? That they get physical disability. Okay, savings went down to $3,400, down to $257. Oh, I know my savings is trash. Oh, okay. That makes it okay. At least I'm not delusional about that. Oh, about that. Great. You're the one who took it out. We'll call the ex. We'll call maybe the mom and the sister back. We're going to do a lot on the post show, but let's get this budget first. It's going to be a good post show. I know that right now. I'm definitely not calling my mom. Why? Didn't she call? That's a no. Okay, that's fine. That's a hard no. But why? It's fine. We don't have to, but why? She's got really high anxiety. Oh, well, then we're not going to call your mom. Yeah. I don't want to hurt your mom. I don't want to hurt anyone. She's probably so bad. Huh? don't they know where you are what's going on yeah but they didn't know that they were going to get called i didn't think about it dangerous show calebhammer.com slash apply i'll call anyone unless you tell me there's someone i can't call and i will not but have i done well not going over your no-nos see chat you get to define what the no-nos are calebhammer.com supply. Okay, so your debt minimum monthly payments $1,947.25 income $4,880 so no rent, but you help with utilities and stuff like that. How much does this cost on a monthly basis? It's like $250. Okay. How much for gas? Vroom, vroom, drive, drive. It's $50 a week. Okay, $200. Car insurance? Car insurance is $372 72 because I also have renter's insurance. And I pay for insurance for two vehicles. Phone bill? Phone bill is $180. Okay, switch to Helium if T-Mobile's good out there. I pay for the phone bill for me and my mom. Even still, $15 a line. We're talking about switching to Mint. That one's fine too. Helium's pretty much the same, but I advocate for it because better rewards. But either way. Okay, how do the groceries work in this house in terms of you eating? I participate with grocery income. I give her money for groceries, and then sometimes I buy my own groceries, and she cooks, and I do the dishes. I'll do $300 just to be safe. Okay, TP Fun, anything else you need to survive? $150. Medical health care, they're co-pays on a monthly basis. There's co-pays, but they're low. How much a month? Even if it's estimated, this is a close budget. Like $60. Okay, Jim, I saw one. how much 29 okay i will do subscriptions of 40 bucks pets no none right now none right now okay anything else that needs to be in this budget that i have not taken in account my pets i know i'm sorry it's an asshole i agree i agree i'm a boxer a boxer and a pit bull and they're so i know i i love dogs so much right i am really sorry that is the difficult thing right where he can kind of leverage it over your head because if you're the one leaving even though you should have been the one leaving yeah it makes it so that he probably like um you know i want you to come by you know every week or two you come see the dogs are you i stopped doing that two months ago okay and because he's been so nice oh he doesn't need to be a piece of shit i know but it's like i'm like why all of a sudden i move out and you're you're doing exactly the thing i've been asking you to do well to be clear if he was emotionally abusive and certainly being an alcoholic don't go back but it's okay to be around him for the dogs if he's being nice but it's hard they're not going to be my dogs i'm not taking them back no i get you let's end with you a thousand one hundred fifty one dollars and seventy five cents left on a monthly basis it just takes 41 months to pay off which is really not that bad for the shows three and a half years that's not that bad now you are going to have a rent situation that might push that further. But if you bring in extra income, we'll see. Maybe it brings it back down to where it's still three and a half years. So just focus on paying off the set. Follow the strict budget. Meal prep, meal prep. It'll be good for health. It'll be good for budget. Make your energy drinks at home, your hydration drinks at home, all that good stuff. Use the resources we have. Pay off the set three and a half years and get a fully funded six-month emergency fund. Use the dollar-wise budget. You'll have to keep you along that way. And then you got to catch up back with investing again after the six month emergency fund and at your age i'd probably do 50 25 25 50 percent of needs age which will be 40 by the time this is done but uh 50 percent of needs 25 percent of fun which is a lot of money for your uh your situation and 25 to investing and you'll live a great life but it's a sacrifice of three and a half years and it's totally worth it now go make as much money as you can and spend as little as you can you'll be fine but the post show will not be fine because we have a lot of phone calls to make and it is going to be crazy let's get the hammer financial score first. You're getting out of debt situation. Isn't that hard? It's a little bit of time, not as much for most people on this show. And you have the opportunity to make more money and cut your spending dramatically. Spending in a budget, you overspent zero out of 10 there. Debt, no collections. High minimums of payments and some dumb debt and over the credit limits, I can't give you better than one out of 10. Emergency fund, well, you drained it. So zero out of 10. Retirement, drained it. Zero out of 10. Real estate, zero out of 10. Round it up, 0.5 out of 10. Get yours at calebhammer.com. Now click the join button and to watch three premium shows posted every single day, six days a week, by joining Hammer Elite, including an extra 20 minutes of this episode called The Financial Auto Post Show. I'll see you there. I don't know whatever she's telling you is a complete lie. We were together for 13 years, but 13 of those years were just honestly one of the most miserable that I've had. So I don't know what exactly she told you, but please tell me so I can clear it up. Well, how about this? Maybe she can say it herself. Let's compare the f***ing list. Let's f***ing do it. All right, yeah, yeah, yeah. Okay, let's start with your three DUIs. The seven times you've been arrested. And you still live with your f***ing parents. Oh, shit. Yeah, I'm sorry that I became a raging alcoholic and I had to drink. But honestly, if anyone was with you, they'd do the same. Don't forget the Summer Budget Reset is now live! Get a full year of DollarWise Premium, plus my four best-selling educational courses, and a digital copy of my budget-friendly cookbook, and my exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything. So don't wait until that first pool party to get financially ripped. Click the link below, save big, claim your bonuses now.