What The F*ck Is This? | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. I want to be a Disney adult. You're a Disney adult? Kind of, yes. Oh! I won't need to get a second job, okay? I can make it work. I have an only f***ing pay. Make it happen. No, you f***ing don't. I'm a free f***ing. What the f***ing? And a human f***ing, so it's both. There it is, ladies and gentlemen. I'm a little slut, 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. I'm 29. I'm from Grand Rapids, Michigan. And this is Financial Alarm It. 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. Yes, actually, I'm new to the area, but I'm loving it so far, actually. That will go away quickly. Probably the snow is killing me. What do you do for a living there? I'm a general manager for quick service restaurants. Okay. Now, Grand Rapids, not one of the higher places to live in the United States for sure. So in terms of cost of living, general manager at a restaurant might actually make a halfway decent living there. Is it a chain, big chain? Semi. Oh, shit. Okay. Well, can you say it? Yeah, I work for a company called Pliables of Michigan. What? That's a restaurant? Yeah. Pliables? Yes. Like, I'm going to go eat at Pliables. Yeah. We're an acai bowl and smoothie and sushi. Okay, so it is not a big chain, is it? Or else did that come when I left? Because I guess it's been a while. It did. 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 a year, you're living halfway decent, probably pretty close to the median household income in that area. I'm going to assume it's closer to like $70,000 to $80,000. So almost $60,000 alone, not too bad. What hits your account per paycheck cycle? It hits right around... And what is that paycheck cycle? It's every two weeks biweekly. So every other Friday. Okay. What hits? Right around $1,800. You said this is new. Yeah. Well, I just got the raise. So I got a three percent. Well, how long have you been doing this? You said you moved over to this job. That's new? Well, I got a raise coming out here. Out there. Well, out there, yes. Because we are not in Grand Rapids, by the way. Where did you come from? Detroit area. Oh, okay. So similar. Okay. Well, that's not even that big. Okay. So $3,600 a month, right? That's what hits our account? How are you doing? Good. I feel like it's good. I probably stick with my spending. You're not a financial audit, so no, but how is it going in the real world? I feel like I'm paycheck to paycheck, even though I probably shouldn't be in a reality sense. Why would you be? 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. 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 because you won't be able to give long-term because you'll completely destroy your financial life. I mean, you can't give. Okay. Okay. So what's going on? What are we talking about? I don't want to own real estate, Caleb. I want to be a Disney adult and I want to own a Disney vacation plan. There's no Disney in Grand Rapids, you dumb f***er. I know that. I know that. So I want to just have either an apartment or a condo in wherever I live. I'm not picky on where I live. Are you a Disney adult? Kind of, yes. Kind of, yes. Well, it sounds like if you want to buy a place in Disney, I think hyper. Yeah, I want it to be my 30th birthday gift, actually. I want it to be this year. When's 30? When is that? April. Oh, for f***'s sake. I mean, that's not a f***ing 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 f*** were you doing at 26 to prepare for it? It's a newer 30-year-old 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. And I just... You've been single forever, I assume. No. No? I'm always in a relationship. I always have people. What? I always have somebody with me. I currently live 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 many of you guys have been broken up? No way. We broke up a little bit after Christmas. Oh, that's been a couple months. The second time. We broke up a year ago before and then I moved back in. It's been like two weeks then. Yeah. It'll 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 figuring it out. Figuring it out? Your exes. What are you figuring out? To not be exes? No. Figuring out that I need to leave now. That's why we broke up. After two weeks of living with this guy? Well, no. 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 because that's been like literally two weeks since the point of filming this episode like actually i think two weeks today right was that christmas i think yours was two years uh tomorrow okay so oh you guys well why'd you just break up because now you have to find a whole new place or he has to find a new place and then you'd have to take care of that full rent is that's chunky what what the happened well i mean well you've only been dating a year and a half you said so we you live together we live together for a year and a half when we were dating three and a half years okay well that's fair fair point to move in what the happened um you know we just horrendous you're making it really sound like all these crazy things happened in the end it was more just like we we just weren't pete we weren't the right person for each other what the are you talking about that where there's so many reasons so many reasons we can't talk about right now caleb post show post show oh it's gonna be one of those well you know Listen, I appreciate that man, and I do love you. Excuse me? No. Talking to him, he'll watch the show. He watches with me every so often. But I don't want to trash him. 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's saying you were considering breaking up with him. It was a consideration, yes. Looks like we followed through with that. So the plan for the show initially was to see how I would be able to live if I did move out. Now I have to, so now we got to figure it out. And you 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? It was 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. I thought you told him not to. But you wanted to work it out? We were just going to live separately. Yeah, long distance after years of dating, not long distance, while we have issues is always going to be successful. I didn't say it was going 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 kiss me, and I was like, no. Like, he tries. but I don't reciprocate in any way and I make it clear to him. What the f*** is 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. Well, maybe, but that's not a long-term solution. What the f*** are you... No. I know, so that's why... So what the f*** is... What was in your head? What's been in your head? It's been two weeks of breaking up. You haven't thought of one plan? No, I have been thinking of a plan. The plan! 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 least which is till till october oh for or 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're at another man's place another penis's place yeah just hanging out you know uh-huh just hanging out i have needs kaleb sex is sex i'm a little slut i'll admit it okay oh uh-oh um yikes I'll admit it. You got to be happy, Caleb. And sometimes having fun makes me happy. So I went and had fun. And immediately called Colton after getting railed? No, that happened the night before. We were just hanging out 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. How much cracking is happening since Christmas? That was the first one. That was the first crack? Hmm? I'm too busy. Okay. Literally it happened the night before and then you called Colton the next day. We'll still add 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 take some the full support we love it we we love sluts be a slut be a whore do what you gotta do we love it everyone has needs huh safe slut well okay i didn't say you were getting aids that's what i'm just saying i'm just saying you gotta be safe about it okay no one was advocating for opposite i don't what's the okay are you wearing a blanket yeah i'm cold I've never seen someone wear a blanket in the studio. Corky millennial. You're Gen Z, though. I don't even really have pickles that much. It was a gift, and I just really appreciate the gifts, so I take it everywhere. Corky Gen Zs are becoming the Corky 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 in a halfway decent. It's going to be like $1,000 at least, minimum. I'm assuming $900. so well listen 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 because how are you barely how are you surviving now if you're barely paying your rent most likely and how the f*** are you getting to this Disney dream based on with all this well that's what I'm here for Caleb is that you 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 killed. I won't need to get a second job. OK, I can make it work. I can make it happen with what I do because I have an only. OK, make it happen. You don't. Yes. Yes. I have a niche only fan. What is it rubbing your beard to the camera? No, no, don't. So that's not nice. What's the niche? You're right. I was just thinking of what could be niche-y about what you have. No, I sell feet content. I sell my toes. That's not a unique niche. That's like half the internet. It's a niche because I sell not just human feet. I was curious. First, I looked up Caleb Hammer nude the other day. Didn't see anything. Grateful for that. That's good. I used to send a lot of nudes back in the day. Back in college. Yikes. I'd probably hold on to them. Yikes. And I also wouldn't be ashamed if they were out there. Whatever. I mean, I'll show it to you right now. but I did look up Caleb Hammer Feet and I was on the Feet website. They got me. They got me. So this isn't like a crazy thing. No, but I'm a furry feet. What the f***? And a human feet. So it's both. I still have both human and furry. What the f*** are we doing? Yeah, Caleb, I'm a furry. Capitalists have gone too far. Maduro become our president. We need to go full socialist. This capitalism no longer works. and people are paying for this. Yeah, yeah. What are you even looking at? You better not be pulling it up. 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. I bet we're making a phone call then. I will be waiting for that at some point. Yeah. Good, as long as it's not looking up. What the f*** is a furry feet? Isn't it just taking a picture of a fake foot? So, my ex is a free artist so he draws the free a free artist so he literally still collaborates with you on this we have talked about that 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 because it's all like a furry so it's just toe beans so my toes don't look like how is this you then because it's 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 because it's going on my page and it's also my human feet so the page is human and furry feet all right okay which has the we did 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. No, that's why I wear boots. You gave me the right answer. I am not complaining. No, no. Knee high boots. No, don't worry. You don't have to convince me. I'm on board with you not showing us. No, I understand if we content is not for everybody, and I only apply it to the people who want it. But it's also your feet. it's like i'll look at the margaret quality's feet my feet and people want to see it people want to pay to see it i'll let margaret quality piss on my feet do it she can do whatever she wants she can do whatever she wants okay okay you know what i am gonna show you why not what oh come on you get to see everybody's stuff why not my toes everyone's Stuff? What stuff? I have seen your show too many times. I have seen one pair of boobs. See? Knees of toes. I got to cut off the inklet because it's my accent. What do you have at the bottom of it? Nothing. No, there's like a hardcore callus happening in the middle. Yes, I 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, about a month ago, actually. Oh, Disney, here we come. How did those 11 people even find you, those freaks, by the way? I'm on Instagram, Reddit, and X. Yeah, it's the Redditors. Oh, 100%, yeah. Oh, it's the f***ing Redditors. And I actually just made a Snapchat as well so that I can... Oh, fuck. Make what? Like, there's so pictures on there. You can pay pick? Yeah. Okay, no, whatever. We don't kink shame. I mean, I do kink shame, but we don't kink shame. Except I do, but... Just love it. Okay. Well, you're not making life-changing money off of that. What is that, 55 bucks? Not right now, yeah. Before they're cut? Before the platform's cut? A little bit. I don't see how that gets us to... Okay, first of all, Disney is the person we want living on your property with all the children, the foot whore. Just throwing that out. And second, how much does this Disney property cost? It'll help people get to their goals. I don't care what it is, kind of. Sometimes. What? I actually did 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 want, It would cost me either $35,250 or... For what? 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. Timeshares are known for being one of the actual halfway decent better ones. I will say that, but still $35,000 is insane. I've done my research on this one, Caleb. Well, tell me what else it says. so for that and which is with the specific points that i think i would need for my solo self or i can get that price or it's 433 a month for 15 years with a 10 down payment and then it's only why what 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 gonna be in florida every five days what the This is expensive. Oh, you're right. This is insanity expensive, honestly, for what your position is. The point of the vacation plan is because my family, we go to Disney a lot. My mom is... How? How do you have this time? My mom. What is your pay... Huh? My mom. Congratulations. How do you have this time, you dumb... What are you talking about? I take the time off work. We just... Well, there you go. How much time 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, I can take... What is your certain amount of hours for your pay period? I make eight... Uh, no, it's... 100, sorry. He just increased it from... 100 hours a month? That's it? No, 100 hours every pay period, so every two weeks. So 200... Oh, for fuck's sake, how do you take vacations in that? That's insane. That's more than 40 hours a week. Yeah, I'm 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. What? That doesn't make sense. Our Disney trip we just took, I had a week's vacation because we get one paid week off a year. So I save my week off for that. That's not a good job. It's a newer company because he's a franchise. I work for a franchisee. Girl, this is a new company. I understand. At minimum, the financial audit team gets a month off a year. It's four 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 two and a half days off and still make my whole like I'm working 60 hours still this week. OK. Even no being here. So I make it work. OK. The reason I'm saying that. How much can you spend in Disney a year for this 35,000 hours plus ongoing maintenance bullshit 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. So how the are you? What are you? Who is this? Is this him or her? 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 and you spend disney a year of which you would have to pay to travel for about a four-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 are we doing how much time can you actually spend down there a year I don't want to actually go every single year. What the f***? You're spending $35,000 plus these endless maintenance fees to not go every single year? The points stack up and move over to the next year. So my plan is that I'll have this for every year and I'll save up the f***. How about you just go to Disney every other year? That's the point, yeah. No, without this dumb, stupid-ass timeshare. 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 this is like my retirement investment. 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 look forward to in my life. Look to do each time. People take time to go out and travel all these places I want to do that Some of my best YouTubers out there papa got and his wife are big disney adults and i love them for that that great i also i mean i like disney i watch disney whatever um and i would love to go again they want to do some dumb shit like this and they go like every year just go pay for the ticket pay for the travel and go instead of being locked in forever this subject matter can be hard to digest but for most americans their personal financial situation is the hardest subject to approach and manage. But with the DollarWise budgeting app, you can finally take control. And since there's a free trial, you can see for yourself. Get a full picture, automate your budget, get powerful insights, and set real goals that change your life. Stop with the overcomplicated budgeting apps like YNAB that no one can figure out. No more being told what to do with Ramsey's EveryDollar. End up being sold a mortgage with rocket money and don't let private equity own you with monarch take the change you need with a budgeting app that was built for people like you by people like you go to dollarwise.app or click the link below to start your free trial starbucks is bullshit 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 Game 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. I could sell it if I ever don't want it, but 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. So when you don't have enough money to go, how do you go? Because there's no way you have enough money to go because this is completely across the board. Bullshit. 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, I have a. So you lied. No, you're a liar. No. 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. How frequent is that? Every couple of years. Yeah, but you owe her back? No. So why 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 the trip and it's 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. Typically it's 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. Why are you in that position? Because I'm fucked on my finances. How? Because I was stupid in my 20s and just wanted to be on my money. You're almost 30. What do you mean stupid in your 20s? You mean right now. I mean, clear. But 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. Yes. Okay. 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 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. Oh, my goodness. 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 f*** 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. You should see him. I met him. He was living under his mom's roof, paying $200 a month. Yeah, you're both great, okay? You're both great. What the f*** are you talking about? Listen, out of all my mom's kids, I would say I'm 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'll 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 f*** 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. Oh, convenient. She does. She works really busy on Wednesdays, and she's going into her busy season for work, so she has to. She does. Mm-hmm. Yeah, 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 say that, like, why he left me. I mean, in reality, since I left him and he cheated on me. Huh? He cheated on me. Like, I didn't trust him. He was a man child. What? He cheated. Oh, yeah. How did you find out? I found it through his phone. What did you 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 like it. I hate cheating. I hate cheating so much. Okay, I 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 sent cock. No. Cockies and ballsies? No. What other sexual content is there for- We can discuss more in the post show. That's a little bit private. Then why fucking say it, you fucking shit, dude? Because I was there. He's cheating. You asked him. What do you mean? Oh, my gosh. Okay, the ultimate post show teaser of this episode is- I know. Sorry. 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 wait until he moved around the country for your state? Sorry. Because when we were together and when I found out he was cheating on me, I was 450 pounds. I know. How fat are you now? I weighted myself before I left. It's 165. Well done. Thank you. Wait, hold on. How fat were you? 450. What the? When was that? My first appointment that said that was April 2023. Oh, good. That's crazy. Show me. Show me. We all have to see this. Throw the picture up on screen. That's crazy. Listen, that is a little bit of encouragement. Oh, yeah, you're a fat. Yeah. Oh, yeah. I can say that. My whole life. Oh, and I say it all the time. Look at this. That's horrendous. In fact, I would say disgusting. Yeah, no, 100%. I was disgusting. Because you know that was stinky. No, 100%. I was gross. This was stinky. I will admit, I was disgusting. I wouldn't have guessed. I was disgusting. I hated my life. Hopefully there's nothing else in there. I just swiped the full photo album. Probably nothing. Now that we know you're gooning, I've got to be careful. Yeah, yeah, yeah. I wouldn't have guessed in the 400 seeing that, but jeez, that is crazy. Yeah, you bulked up. You were hanging like 10 heads down here. Yeah, I was really big. 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 getting extra income through 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 do a lot of things all at once. Sure, but you're no longer fat. When have you not been fat? I would say. Because you didn't just all of a sudden snap and you were there this month. No, I mean, so I had the surgery in November 2023. Oh, you did gastric bypass? I had bariatric sleeve. Yeah, sure. Good. Yeah, that's the OZO Zempic. Yeah, kind of, yes. OZO Zempic, yeah. Pretty much. Yeah, I did change my whole lifestyle. but for me to handle doing two separate things like that at the same time. When does that first one end so the second one can start? No, we're going to start now. Now? But you weren't just all of a sudden from fat to not fat in like a step of the finger two months ago. But then I've been working a lot, which has been helped the weight loss, which 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-agables? I'm okay. Acai. Yeah, one of those. I don't need that shit. Very good for you. Well, what the fucking is an asiago? Acai. It's a Brazilian berry. Ugh! It's really good. Give me my freedom. I want blueberries. I want strawberries. We have those, too. I want apples. Fuck your Brazilian berries. I have a piece. I have 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. Are you dependent on him? What does he do? He's a warehouse employee for an HVAC company. But he draws the furry content as well? Does he make money off of that? He's trying to. He just got into it. I've been trying to get him to do it for a long time. Not this last Christmas before. Is he into furryism? Yeah. He's the one who got me into it. Oh, he got you into it. Yeah. Great. Okay. Well, you're not making off all this extra stuff. So I don't wonder why are you 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 think you have the hours for, I'll be honest. But really, is that what you want to be known for? Prostate yourself online? It's all on a separate fursona and a separate life. I know, but it is still you. I don't care. It's my feet. I don't care. It's not like I'm showing a face or mess. But why don't you go do something more productive with your time and make more money? Because you're not doing well. I'm also not very pushed toward it. Yeah, but $55 a month, is that even worth it? Not right now, but I see that through time, through actual, because it's newer. So 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 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 videotaping me, making the cake with my hands. So that's going to cost more than like half your monthly subscription is just to bake a cake. I have cake stuff at home. I bake all the time, so it wouldn't be anything on me. Is that good for you? I do like a gluten-free healthy stuff or I'll take it to my work and my teenagers that work a lot of it teenagers? I manage a you have kids? no just for children but you just got cracked last week could happen soon but in Michigan you can get rid of it safety again we'll see how long you do that though how many times do people hook up with each other and tell them that condom is no longer there well i don't think i'll be seeing that again so why because you have an issue with every man because 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 three hours away this is that crazy what what the we're driving three hours the 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 three hours to get some penis i know what it wasn't my best decision where was it chicago no uh northern like by traverse city oh my goodness you went almost to the ufp the upper peninsula yeah just for some there's like five people up there why can't you get in grand rapids I definitely could. You're right. You're right. Just in the moment, he intrigued me. And he intrigued you enough to drive three hours. Listen, as a whore and someone that likes to come, I've never driven more than 30 minutes. As somebody who has been in the dating world as a bigger person. I've made people drive well more than 30 minutes. As somebody who has been bigger in the dating world. Yeah, you were fat. I have skin flapping around in the wind. A little bit. Yes. OK. Yeah, I guess not. So I have a lot of anxiety when it comes to being like that. So going three hours with the potential ew when he sees you is less anxious than being able to just turn around and drive five minutes back home? I think with him being so far, if he says ew and I go home. Guilt tripped? No, no, no, no. No, I think it's more like if he didn't enjoy it and I drove the three hours. Is he attractive? No. Why the f*** did you f***ing non-attractive guy? Because 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. Welcome to every woman. Like 98%. But I have been in relationships where not. My ex is not like that. Ex is a pussy? Ex is not a man. No. 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 not going to be on screen. I just need to see what this creature looks like that was with a 650-pound woman. Hey, that's what happens, right? Every time someone loses weight from gastric bypass, they always leave. They always leave. You're the lever 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 f***? Can I swipe? Yeah, of course. Because I want to see, like, more of it. Oh, jeez. He's just like a fucking 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 into your OF, by the way? So that's your future. I mean, I'm being told you're ordering custom latex bullshit and all this crap. I want to order these custom latex. How much is that going to cost making $55 a month before they take their cut? It would be like $150, but I'm going to save up. I wouldn't do it until I'm ready to do it. That's him. Yeah, yeah. He is what 50% of men have looked like on financial audit. He is what I call a real lumbar jack. Morbably obese, trucker hat, big beard that is unkept. 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 ten. Zero being horrendous. Ten 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 lucky, guess who ends up on the 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 dollar wise that 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 because 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 because it It would have been before my raise, so probably like 35, maybe 34. 38. Did you work extra hours so you get paid if you work more? Oh, I probably got tips. So if I work alone in the store and there's tips going through the system, I make those tips. People getting their Brazilian berries? Why are they doing that? Okay, and how much did you spend? Probably like 37. $3,779, some 14 cents. 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, a little better than the average financial I guess, but still horrible. I didn't look over it for it because I thought it was going to be a lot more. It's still horrible though. You do not get to your goal. You do not get to the ultimate Disney goal with that. And again, take away the OF and you don't even make that. You don't even break even. Where's it all going? Expenses like rent and stuff like that. My car payment's pretty high. My personal loans are a little bit up there. And then probably, you know, I got my Sprite habit that doesn't die. Because I can't have too much sugar or caffeine. So Sprite Zero's my love. Why don't you spray on Sprite Zero, you dummy? A lot. Okay, dude, just make whatever the lemon-lime flavor is from Gamersubs. Just make it at home. It's zero calories. It's a hydration drink. It's just as good. And it's $0.40 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. $0.40 a serving. No more stopping in and getting some bullshit. Spending hundreds on Sprite Zero. I mean, there was minimum $500 on bullshit last month. Minimum $500. Yeah, probably, because I was probably preparing for the Disney trip, too, or for our move, so it was probably just bullshit spending. When was the Disney trip? Or when is the Disney trip? The beginning of December. So you just got back? Yeah, we just got back. In the move? The move already happened. The move happened in November. So you're not preparing for the move. What the fuck are you talking about preparing for the 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. No, it's November, you dumb. Shut up. You don't even know what you're talking about. I just can't remember which one I sent you. Well, it still matters. Like, again, you say you don't borrow from your mom, and then I call you off 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 that would still be because there's still moving expenses because we just moved. Okay, moving expenses isn't bullshit. I called bullshit out on moving expenses. Bullshit could be moving expenses. Probably not. Going out to eat, doubt. Yeah. I've moved across the state of Michigan. It ain't that big. Pretty short move. Not crazy. No, it was only about three hours. Uh-huh. It wasn't bad. Nope. It's like going to Austin or Dallas, and it's barely even an inch in the state. So that's nothing. So, you know, 500 hours of bullshit 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 different places around the area because I usually still stay local due to my job. No shit. Well, okay, listen. Some people can move around. I can't. so 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 $40,000 to $50,000. $50,000? $50,000? With the car and everything, yeah. And there's a crap ton of just individual debts leading up to the student loans. Student loans are only $14,000 of that, $50,000. The rest is just horrendous, bad, disgusting, horrible debts. Yeah. Yeah. How are you going to move out and afford a place of your own? Are you going to – and then are you going to f*** him over? No, I would make sure that he's like okay. Like 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. You're going to cover that whole place? What is it going to be, $1,400? $1,400. Okay. That while adding all this debt that you're not even making progress on, while spending more than you make, while spending hundreds on bullshit 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 f*** start, really. Oh, girl. Who the f***? 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 February of 2020. Why did you get back? What the? What then? I got back because 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 because 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 DollarWise. It shows you exactly where your money is going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try for free plus three months for just $9.99. 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Link in the description below. sign up for time get that three hundred fifty dollars 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 no shit welcome to working a shit ton but you you taking care of the shit that you got yourself into i don care having to leave that second job to go back to my first one because I had to handle emergencies because I a general manager Anything that happens in that store I have to be there Then is it the right job? Yes, because I love it. That's not the reason why it might be the right job. And it's the most I've ever made without having a degree. Yes, that is true. But you will be able to roll this general manager experience into something eventually. 100%, and I'm improving my LinkedIn and my Indeed even as we speak, like even less I was working on it. Okay, well, 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, and she made like $70,000. Yeah, it's a smaller company. We're a franchisee. We're growing, and I don't know. And they're not entitled to you. Go make money with better vacation time and pay off debt better. It's something I can look into. I like the company just in general right now, so I'm willing to sacrifice now. That's great. 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 have to... 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 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 fucking hill. Compared to the other jobs I have worked for. Yes, I 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 yes but that takes that takes a half a day i understand i'm a busy person i have a person you're taking feet pics shut 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. Was it worth a three-hour drive? No, I told you not. Then what the f*** are we doing? I wouldn't know until I got there, would I? No. I don't trade pictures like that. No, you ask how big. I didn't want to. I'm more of an in-person thing. What? I'm more of a three-hour drive. you didn'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 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 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 one week off a year by fixing your 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 i'm able to girl 60 hours a week making your own schedule yeah i'd hope so but there's not much flexibility in the 60 so what the f*** are you talking about I make it work. I make the time work. Okay, great. 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 shit. It's a better job than a lot of people get. But you are in the world of delusion thinking that you just can't. 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. Oh, shut the f*** up. What is this? What is this CC bank loan? CC bank loan. Uh, yeah, that you borrowed $2,400 for with the total payments of $4,231. What is this shit? That was my personal one I took out to move the first time. To move? You to move from across the state? Hey, guess who moved? No, this was... This was the move. Where is it? I did this, you little... I did this personally over and over again. before i went down to texas a much better place it wasn't for that what move then what to leave my ex the first time why did that cost four thousand dollars because i needed a down payment it was an immediate move so i needed money hey every single year of my life except for the house i'm in i basically moved out every single year it wasn't and i didn't borrow for it it was an instant move we broke up and why did it cost that much well because i and why did you have an emergency fund Because I was dealing with a house issue at the time. Oh, always dealing with shit. Yeah. Well, no shit you were dealing with health issues. You were morbidly obese. House issues, not health. What the fuck are you talking about? I used to have a mobile home that ended up getting destroyed, and we ended up having to go through courts and stuff. Welcome to mobile homes. I know. It was rough. Ugh, never again. It's all taken care of now. It's all off my heart, so I ended up being on the insurance thing and whatnot. Why did it cost this much money? Because I had to pay for the movement fees and stuff like that, and then I got extra so that I could have extra money for expenses in case I needed extra money for bills and stuff. 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 $300, $400 maybe. 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. Put all that together. Then you immediately moved back in with the guy anyway. So I don't like, what the f***? You took out a payday loan to move back in with him? pretty much yeah and why did you move out the first time because 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 so great was it his asshole no what is there oh my god is there colton colton it's a lot colton you have body parts what else is there and this is something he didn't even know about men's nipples when i told him he didn't even know what it was was it even cheating or are you just a crazy bitch hmm i don't know i've been cheated on a lot of 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 in the videos and pictures that they get i see that as cheating but i thought you said he gave oh he gave them too what pictures of cum no just what else is there oh my god oh my god ask me in the post show oh god okay that's nice listen did you guys have an established boundary that that was okay for him to do no he didn't even do it until I found out I was looking for music on his phone he didn't do it until you found out he didn't tell me about it until I found it on his phone that's okay if you guys have the established boundary that wouldn't need to tell you either if that's a part of it. But regardless, many people have like pro flirting boundaries. Many people. There's a lot of things. Yeah, no, I understand. There's open behavior, like all that kind of stuff, flirting. Like I understand that. No, there we're we were completely understanding that we were quite monogamous in every single way. And but he was still you're both sub. That's great. Yeah. So what the fuck? This is insane. Have you ever missed the payment? No, it's auto draft. I have everything set up on auto pay. but it's such a chunk because you just got a raise switching to the store this is a huge percent this is a big money it's huge and it's every two weeks that's every two weeks yeah the two so it's like 422 every month yeah 423 rounded up yeah that's crazy yeah every paycheck it pulls it as soon as i get paid it's gone that is crazy extra credit it's a personal loan again what is this for total interest paid year-to-date three thousand hours this is a huge balance yeah that sake that is a uh consolidation personal one i did with my bank and how'd that work i mean i'm paying it off it they pull it from yeah well you built up your debt again exactly every time what's the point wait that's your daily interest rate because 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 payment 155 dollars so what happened here when was this i got it was 12 000 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 it my mom co-signed on it with me no yeah oh my mom works for the bank for that so Oh, my goodness. She's really enabled you in every way whatsoever. Because without fixing your behavior before doing this, she probably doesn't even know. You probably just f*** it all up again, which we know you did. So what are we doing? But I'm confused because I'm being told you actually got this down to $7,000. I did. So what the f***? It is certainly not $7,000. Spoiler alert. It's three more. Yes. So 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 You took three? Oh for f*** sake, for that move? So you borrowed for every move? This move was paid for I have never 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 don't get it. How does this happen? That three grand was to help subsidize income because my ex was switching jobs That's his income. I understand, but as us being together 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 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, 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. 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 not taking care of him and whatnot? 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 because you shouldn't have your mom on it. But to take an extra three is crazy. Yeah, no, I think. To subsidize how long? It was only to subsidize for the rest of the year. So two months, November, December. Yeah, two months. And where did it go? Went into different expenses like gas or things for the apartment. You're not going to be able to survive on your own. What are we talking about? Especially if he moves out. What the fuck 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. I know. And if his income is zero because he's gone, then it's just a little less food cost, 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. Yeah, but you could have budgeted a lot. Okay. I don't know how you're going to be able to survive on your own. I don't know. I don't know. Where am I going to happen? Oh, he's 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 picking up Darren. It was awesome. I loved it. And I ended up declining. And I went home and I was like, listen, I told them maybe, but I think we're going to email him and tell him I want to do it right immediately. And he's like, why would you want to do that? He made it very like, it was like a problem that I was doing this. It was such a bad thing. I was doing something illegal or doing something wrong. And so I was like, I'm not including you on any of it. You don't even have to come with me. I'm doing this for myself so I can get my better and a better place for us as a couple. so I can one day hopefully pursue the future we want together. Because we wanted kids together. We wanted a house. We wanted all that. October? A couple months ago? Okay. And he... I lost my train of thought. I'm sorry. He was pissed. Yeah, so he was pissed. And he's like, no, I just don't think you should go. And so I let it go. I was like, okay, I'll just reapply again. And then around Thanksgiving, I said, you know what? No. I need out and I need something better. I need someone who actually appreciates what I do for them, in a sense, and gives me what I need in a relationship. What do you need? I need someone who will be ambitious like I am. I am hardworking, I am ambitious, and I am driven. Now that I'm not 450 pounds, I have all this energy to do all this sort of things, and I can't get him to even plan a date, Caleb. I have planned every single one of our dates from the first one all the way to now. Yeah, sounds like a loser. I even for Christmas bought him one of those scratch off date books to make it easy on to just scratch off and then he planned it and I couldn't even get that okay so you owe money to your mom $1,500 for what? random expenses from on the card from what? either from the Disney trip or from you know for what card specifically you mentioned the card what are we talking about the card go into more detail I have a discover card that my mom got in her name and I'm not authorized she has She has it and I'm an authorized user and I have a card of my own permit that she allows me to use for any emergency expenses, anything I need, that kind of stuff. And then she just tells me to send her the payments back through our bank because we have the same bank. So what are your payments then? You owe $1,500. What's your minimum monthly payment? Just whenever I can pay. Oh, come on. You don't have a scheduled minimum monthly payment with her? No. So I send her $100 every pay. That's what I agreed on. 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 when she thinks i'd need it or she'll just hold on to it so it's like a hundred dollars 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 normal and i'm sorry and what did you get and where the is it because you're dead broke broken i got um just under nine grand from her okay grandma didn't have much that's okay uh they spread through a bunch of all of us she had a good amount but it went a lot of it went to her kids and then and then it went to grandkids there's like 13 of us yeah it's 9 000 didn't go anywhere it seems or went everywhere um well as i uh as i talked about i'm a giving person so one of the winning senses was i bought a couple of things for my um i'm an online gamer and i have a couple of friends who are my dude yeah i got a big pc build what what did you get you i built it my what components did you get you i understand i don't okay i don't remember because it was back in 2020 i don't 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 you bought your ex a brand new pc too yeah so that's what i was gonna get into so So, yes, what they heard is... Or is Furry Art. Yes, because he is a furry artist. What did you buy on his PC, for his PC? What was it? I bought the whole thing. Yes, what did you get him? I'm... What the f***? Michigan. Wait, we're coming back on. We've got to talk about Michigan Education. You said, what on the PC, sir? You said, what on the PC? I bought him, I think it's a... Oh, my gosh. I cannot remember the brand. I know. MTX or something like that. Bro, just like, is it good? How much was it? $2,500. And it's good. It's got... How can you even afford to get here? I know we reimburse you afterwards. How do you even afford to get here? I put it on my mom's card. Oh, my... And then I'm going to send it right back to her so she can pay it off. Yeah, so the PC. So, again, I don't have the specs, but it's a decent one. I don't give a fuck about your PC anymore. Yeah. 2020 was a long time ago. I don't care. No, his PC. My just bought. You just bought? When was it? Oh, I just bought him that one in, I want to say August. How? How did you afford that? The inheritance. Oh, that was when? Oh, my. Yeah. That's what I got. What is wrong with you? Using grandmother's money for a PC for a guy that we've broken up with once because 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. It'll make sense in the post-show, Kim. Oh, good. Oh, goody. Listen, I'm just trying to be respectful, okay? Be respectful? You're going to respect the cheater? Yeah. Uh-huh. Respect the cheater. I'm not happy that I respect him. Okay. oh debt to owe to family and friends no no there's a friend 500 to a friend 500 yeah what do you owe 500 for to a friend yeah back in like 2021 i needed help with rent and so i asked bro from four years five years ago now yeah five years ago 500 for rent and you haven't paid that back you dumb 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 a friend five hundred dollars from five years ago and i'd rather not have a depressive in my house because he can't draw his art doesn't matter regardless drink on his pc which lied to him about that and said i did it no the dog did it so he didn't freak out on the dog 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 who to him my 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 a bad dog no nox is a wonderful dog so he just has a low temper when it comes to things that don't go his way i'm not the best temper person either but i don't like take shit on dogs we both love that dog that's just all i'm gonna say with that i like how you can't give me any details about anything i'm not gonna 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 i 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 shit to dogs, cats. I get it. Okay, so mommy paid for the trip. You can't pay off your friend from a few years ago. But if you had enough money, okay, did you buy his PC the day you got your inheritance? No. How long did you have your inheritance before you bought his PC? A couple weeks. Why the f***? Did you not pay back the $500, you selfish? Because I forgot about it. Oh. I did. Oh, yeah. I have a goldfish brain. So 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. And so we were talking about all of this. 1,888 to collections for what? Probably $350 lightsaber at Disney as well. Yeah. Bro, pay back 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... Yeah, because you have their 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... Yeah, you're cheated on, and you respect the guy who cheated on you for cheating on him. 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 did your mom think you came down here that you borrowed money from that you probably won't pay back because you never paid back money because you get things that you want instead of paying back money I will pay her back you have a historic representation of that I believe that including your friend will the money 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 the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. 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And they have a 100% free introductory course for each career that teaches you all about what the job is like how much money you make and how exactly to land your first job was starting from scratch Click the link below to sign up for one of their free courses today It a win You get money and I get money These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Webull and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get $20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Flight-wise, it was like, 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 respect you for it no she will think i should have just told her but yeah whoa but i will explain that because the reason i didn't tell her is because i'm an in-person with my mother i'm an in-person of telling her things like that oh what a cult that's a cult i'm i'm in person when i tell my spouse that i someone else and when she said i couldn't it's waiting until 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 that means nothing but no what i'm saying my mom is really good for finances but what i'm saying is that like good for her i did not want to admit to her that i was going on a financial show instead of just going to her for the help. I did not want to have that moment. Thank goodness you didn't because she would just enable you. She always did. So what's this collection? Exactly. $1,880? That is probably the old apartment that I used to live in Nebraska. Nebraska? I lived in Nebraska for four years. You look like you were hatched in a field in Nebraska. That makes sense. That makes sense. I don't know if that's good or bad. I like Nebraska, but I definitely wouldn't remember anything. You like Nebraska? I liked it, yeah. It was nice. I like living there. I met a lot of fun people. In Nebraska? Yeah. You met people? Yeah. One of my best friends lives there. And do you not pay your best friend back? That one, too? No. Of course not. Of course you don't. I don't owe anybody else money. Nope. 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 got it in July. Here comes someone else's fault. And then not long after that, she started dating this ex who was a felon. 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's really going to talk anymore. But anyway, 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 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 his 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 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 yeah you signed that contract yeah no 100%. And so when I moved out... Why were you telling Colton it was all their fault then and they f***ed you over? I would say they f***ed me over because here's why. So when... Yes. I know. I'm getting there. So when we redid the lease, I moved into a smaller apartment to make it more cost effective for me. When they redid it, they messed up the paperwork and said that I moved... The lease started in November. They were just supposed to renew the lease for July. Okay. When we first moved in, but they didn't. So when I planned to move out in June, 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. It ended up being a whole fight. And so that's just the last month's rent that I'm refusing to pay. Well, what contract 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 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 probably was from like 2022 and the last one why that's another 257 why aren't you paying credit cards probably because i just couldn't afford it just couldn't have any money in payments because 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 bullshit spending i'm guessing then disney and uh you know you don't feel like you're gonna pay it back you know you're not gonna pay it back my credit cards probably not no the collections why i mean so you spend other people's money i will pay them back if i have the money but i don't have the money you don't have the money because you spend all your money on bullshit you can pay off one of these a month just with your bullshit money spending alone cute disney what are you talking about thank you okay then i'm gonna then i'll sit down and i'll budget out to where i can do i can't 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 like 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 would 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 you've never met this friend not in person oh my you're getting online friends milked yeah you're getting milked you're getting Yeah, but you're getting milked. Milked. I don't want to admit that because I don't feel it that way. You have a Chevy Equinox. I do. Home state buyer. Okay. 2020, we're super excited. And a 16% interest rate of death. Why? Because I needed a car. Where did you get this needed a car? I got it back in. So what happens when you have collections on your credit, by the way? You 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 done. We were in better interest rate territory. What the? Welcome to having the consequences of your collections, dude. Yeah, well, I needed a car because the car I had. I'm not saying don't get a car. But also, how much was the purchase of the car? Because you didn't need a car this much. It was $24,000. What is wrong with you? Why did you not get a $10,000 car? What the f*** is wrong with you? You put some winter tires on that shit. Because I wanted something bulky. Wanted. Wanted. I know. There it is. How did you afford this? You were letting credit cards go to collections at the time. How did you afford this? I took out my 401k. Oh, my f***. 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. Where did all that money go? So I did put a down payment on the car, and then some of it went to certain debts. Some of it went into savings to save for expenses, like emergency fund and stuff like that. And then I did pay my mom. She asked me for a couple grand to help repair a car for my sister. To your mother, the financially well-off mother? It was technically a payback. Let me be clear. It's technically a payback. Well, there you go. Yes. It was a payback for something earlier in the year. What do you think this car's worth that you owe $15,175 on? Probably on like 15% interest rate. $13,000, I think? About $13,000. Yeah. I think when I looked it up, because I do want to get out of it. I'm confused. You're answering questions correctly. Why are you so f***ing you're allowing it? You're so informed. This isn't ignorance anymore, yet you allow it? Yeah. 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 because I feel very safe. I don't give a shit. Feel? I don't care. Modern cars are safe. They'll be fine. You're not getting a 1995 car. I know, but at the time I wanted the Econus. At the time. I'm saying no. I'll sell it now. I'll sell it. Good. I've thought about it. That's why I knew the price around because I've been looking at 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 f*** did you do? Because you said you don't have a degree. Yeah, I went to school for psychology. Clinical psychology. Mm-hmm. Uh-huh. And how much school did you do? I went, I am a junior, technically, so I have, like, I would only have a few more sponsors. You're not a junior. You're not in school. Well, I probably only had about maybe 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 shit 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 what is wrong with you? yeah okay so the same what is 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 to my aunt. They're like, oh, one day I want to buy a bike. Like, one day. It was a plan down the road. Like, we knew we weren't ready for it, but we were thinking about it. Did she death sympathy sell you? She death sympathy sold you? She said she had an old bike that she was wanting to sell. You death purchased. And I said, well. You death 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. Yeah. It's sitting in my apartment. She death-sympathy sold you. I have a love for motorcycles just from a kid because my grandfather and all that. Which is why associating with death and nostalgia you then spent $2,500 on instead of taking care of your shit. Yes. You death-purchased a motorcycle? You 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 wasn't figuratively. Yeah. And I'm sorry again. No, it happens. I'm going to be broken when that happens. Not looking forward to it. So you must drive it around a lot. She's holding on to it right now. Okay. She was supposed to bring it to me in August. Sell it, you f***. No. It's a sentimental thing. Yeah, because you death purchased it. 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 over 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. That 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, dumb tit. What are you doing? No. No. No. You know what? No. Why? Because 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 connect 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'm not saying sell the urn. or like a keepsake from a family or 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. 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 got 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 did you drop out of school? Well, I went out of psychology school recently because I... Recently? Yeah, it was April, May. Wait. In the fall? You accumulated this last year? This has been over since I was over 18. I've been in and out of school since I've been 18. Why? Just different schools. So I went to a community college back home first to get my grades up. I was supposed to actually come out to San Antonio for school for powerlifting. For powerlifting? Yeah, I'm a powerlifter. For powerlifting? Yeah. School for powerlifting? Capitalism has gone too far. 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 got recruited out to Illinois for the same thing. And you went there? They paid me more, yeah. To? Midland University. Or sorry, McKendrick University. It's a private school. Southern? It's a private school in Southern Illinois. In Southern Illinois. And they covered your college? Some of it. I had to take out student loans, of course. Oh, my goodness. To PowerLift. Okay. For for sake. Do you have minimum monthly payments on this? No, because I just started ending school, so we haven't. you just started school again? I just stopped going to school. It's probably going to be like $150 a month. I haven't looked into it, but I'm going to. I also did culinary school as well. You can't bite down on things. I was a baker. It is soft. I didn't eat it. I did back then, but I don't eat it now. Make gluten-free shit. I don't want you to be a baker. I definitely make a lot more gluten-free shit now. I guess. Nasty ass. Okay. $5 in this checking. 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. Checking account, $900 down from $1,000. Savings is flat at $5. Five. Five. Withdraw courtesy fee. McDonald's. Come on. What the fuck? McDonald's? Former fatty? Dude, McDonald's isn't that dangerous? Okay. Amazon Prime. Courtesy withdrawal again. What does this courtesy withdraw? Constantly. Probably my weed habits. Why is it a courtesy withdraw pay fee? Because I pull it from the ATM in the dispensary. So losing teeth and smoking weed. Northern Michigan. Hulu. Withdraw fee, withdraw fee, withdraw fee. Discord, she has a Discord kit. Ugh. I cancel it, I cancel it. Great. Withdraw fee, withdraw fee. Spotify, Crunchyroll, f*** off. Big Apple Bagels. Amazon. So Meyer Express, Meyer Express, YouTube membership, which the best one and number one on YouTube, where I guess we get all the interesting stuff, is when you click that join button, join Hammer Elite, join the literal 50,000 people or whatever. It's so good for a reason. Coin Master, Coin Master, Taco Bell, Crunchyroll again, Blizzard. You eat like shit, dude. That's the thing. Jersey Mike's. What? Jersey Mike's? There's no small Jersey Mike's. Texas Roadhouse. Any sizes. Coin Master, Coin Master for $17.30? Coin Master, Coin Master, Coin Master. What is that? Coin Master is a mobile game that I spend money on when I'm bored. Like hundreds of dollars. Yeah. What the f*** is wrong with you? You owe $500. You're a bad person. Jersey Mike's withdraw fee. Withdraw fee. Meyer, that's probably groceries. Coin Master, Coin Master again. Total overdraft this year. So $488. In this period alone was two overdrafts. Yeah. Oh, you're done. You're done. 401k, do you still have one? So I do have a 401k with my work. What? Okay. And how much is in it? It's around $4,000 right now. Great. I just started in July. Almost $40 to $4. Okay, let's get your debt minimum monthly payments. I'm putting your student loans in there because they'll kick in any time now. Okay. 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 $1,000 because 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 would say probably average it to like $150 because right now all our utilities. Including internet or outside of internet? I would include it because our utilities. Internet into $150 though? Yes. Okay. I don't need expensive money. Okay, phone bill. My mom pays for it because it makes it easier. Do helium if T-Mobile is good there, and it should be. It's Grand Rapids. Do helium. It's cheap, like $15 a month. I'll also give 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 debit card that builds credit because you can't be trusted with credit. Look what you've done. Okay, so we'll get those resources to you, and we'll also get you in the Master Your Money program. Gas, how much on a monthly basis? Vroom, vroom, drive, drive. I would say probably budget for around probably $200. Okay, car insurance. It's under my mom's. You have every opportunity to do well. $300 for food, TP fund, anything else you need to survive, $100. Medical, health care, are there co-pays, monthly basis, medications, urine therapy? How much? Oh, go over 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 don't get overdrafts that high. That's historic. You're... Yeah, I didn't know it was that high. And paid it alone? Good luck. Okay, yeah. Yeah, co-pays in a month. What? I would say probably, let's see, $150. Jim? 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. pet insurance and renters insurance is all together $110. Okay, hopefully it's good pet insurance. How much for pet food? I only pay for the cat's food, so it's probably only like $20 a month. Yeah, but you're about to move out, and I don't think he wants the dog. 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 of Sign Up for Hammer Elite, this is the one, apparently. It's going to be the one. You barely make a wiggle room, but $3,368. but I know one of those debts is going to fall off soon the payday loan but then student loans will replace about half of it here pretty soon as well so listen right now at $3,368 you have $232 left over you're about to have $432 left over but at $232 student loans is not an emergency payoff but that's not even included in the $3425 divided by 432. It still takes a really long time. It still takes five years even with the payday loan being gone and not focusing on the student loans at all. The student loans will still be there. It still takes five years. Yeah, it's time that we leverage. We need to just go make more money now. You've put yourself in a really bad debt situation. That doesn't include collections either, which will keep your credit score low. Now, yes, I would sell the car, get a $10,000 car, hopefully a 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 six months or a year in payment. That helps. Might be a four-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 three years. But I think that's our path now. Or the feet could take off and... Or shut the f*** up. Come on. You've 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 when i want to know everything and what this cheating not cheating bullshit whatever i don't it's going to be good hammer financial score first though spending in 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 ten debt collection zero out of ten emergency fund nothing zero out of ten retirement dramatically behind at your age i'll give a two out of ten real estate zero out of ten get your hammer financial score calebhammer.com hers is a one out of ten click join join hammer elite best membership on youtube through three premium shows posted every single day monday tuesday wednesday thursday friday saturday it's great see you there what did he do he is a furry artist but he's an inflation-free artist so what does that mean it means He likes to make his art very bloated, like balloon-like. And he likes to 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. I'd 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.