This Has Never Happened Before | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. Do you have disability? I do have disability. What percentage? I'm at 100%. What was your disability? Mental health and a bunch of joint issues. Shut the f*** up! Shut the f*** up! Guys, I am going to use my panic disorder for every excuse for everything I want to do for the rest of my life. Ah, I mean, could have joined the military and gotten compensated for it. What are also howling if you guys have been dating? A little over a year. A little over a year? She's been 18 for a couple months when we met. Hold on. What? Download the Dollarwise Budgeting app today and get a three-day free trial. That's enough time for the automatic connections to give you the insights you need to change your financial life. Tens of thousands of other people are changing their lives right now and you can too with Dollarwise. So take the free trial and if you like it, sign up for the annual version to save a ton of money and get my detailed 30-day meal plans signed by me and mailed directly to you. Download now. dollarwise.com or link in the description below. Hi, I'm Tommy. I'm 31, coming from Houston, Texas and welcome financial audit. And I know Chad, I'm with you as well. I wanted to have his fake name as Bing Bing, but we went with the most stereotypical white name I could think of, Tommy. So yeah, Tommy's a solid name and whenever you have Asians coming up with Asian names. It is such a cool first name too. Such a cool first name when we gave him the most generic fake white name ever. But do you know any Asians whose names don't end with E? Can you see me right now? As you were talking, I noticed they were very tiny. So I just wanted to make sure. Okay. They are open. I can see you. Asians are very efficient in what we do. Come on. You are. I know. So successful in everything and I love it. I love it. Okay. So what are you doing in Houston for a living? I really do appreciate you coming over. So I work as a quality control analyst trainer. I've been with my company for eight years. Love it. Transferred to my current role six years ago. What do you make? About a year ago, I was making close to 200,000 a year and then overnight. That's great. I completely flipped the switch and that got cut to 60,000 a year. That's like a 200 to 60. Yeah. 260 is crazy. What did that happen? Base pay was kind of meh. It happened about May of last year. So how the f**k have you not left? I don't have a college degree. So you have experience. So you're 31 at this point. But everyone wants me to have a college degree or a master's degree. It says that on the application, but you with your experience, I don't get me wrong, the labor market right now is not great. So yeah, that extra push would help. But you're still in that, but you're getting to that age range, age group. Well, how long have you been in this position? In this role about six years and specifically for the training role, I've been at it for close to four years. Okay. So recently I did apply for... So with that, that is enough resume experience to go and get a better job instead of dishonoring your family right now. I think my mom would be very proud of me. At least that's what she tells me. But I actually did apply to some other roles. One of our competitors actually that's newer on the market. You don't have an on compete? Oh, okay. They never enforce it because we've lost a lot of people to turn over to some of our other competitors. Okay. Well, 60K not great. Well, hit your account per paycheck right now. Well, I don't think I really need to be here. What hits your account per paycheck? Okay. I'll tell you if you need to be here. Paycheck, let's say 2,500 a paycheck. Okay. Now I know you don't think you should be here. You're jobless, whatever girlfriend is who made you apply. That's the one note I read. Besides all the fun racist ones. She watches your show, but I think it's mainly for the drama. I don't think she's learning. Oh, yeah. We got the T. We got the finances, but that's what's interesting is people come in for the T. They exit with the finances. If she's not exiting with the finances, she's a little because it is very basic stuff. Okay. But she applied for you to be on. Yeah. Why'd she apply for you to be on? Why are you someone that needs his girlfriend to apply for him to be on? Which by the way, saying you don't need to be here. This is a thick stack of paperwork, but it is going to take us forever to get through. I would suggest you're the exact person that needs to be here, but go ahead. Tell me. Well, I think part of it's because I did take that drastic pay cut. I had to cut back in my life expenses as well. Well, then you'd be fine. I'm being taken care of her, but I think. Taking care of her. We mean taking care of her. She doesn't have a job. She's working on her education. Is she tradwife stay at home or? She would like to work. If she wants to tradwife it and stay at home, I'm fine with that too. Are you sure? Because you had to cut back and not taking care of her. But she's in college. Okay. Yeah. So what degree is she on? How old is she? She's 19 and she's actually working on her GED. So she has health issues. She had to drop out of high school. What's her health issues? A lot of GI issues. They're taking advantage of a 19 year old with health issues. Not taking advantage. She's very happy. Isn't it usually like a, it's just like a slightly older white man that goes for the younger Asian, not an older Asian that goes for the young white, I assume. It's equity and inclusivity. Sure is. I'll think it should be solely a white person role. Fair enough. To take care, to take advantage of the other. She's half a mis-year. Yeah. I can pull up her Instagram. So was she angry that you're no longer giving her this big spending life? So she sent you to financial audit. Also how long have you guys been dating? A little over a year. A little over a year? Yeah. So she was, she was 18. When's her birthday? She turns 20 in June. A little over a year could be. So it sounds like almost a freshly 18 situation that little over a year. I don't think, I don't think that's quite true. You don't think that's quite true? She's been 18 for a couple months when we met. What? Now how far back in her piss are you looking? Is she not like a sugar baby? No. She's kind of just like posting like titty bras and... Well, what was that picture from? I scrolled that barely. She doesn't post a lot. So maybe you were looking at her from three years ago. Yeah, but it's all like skimpy kind of like tall white lady. Well, that's just society now. Is she going after you for the 200th? Is she leaving? Is she leaving you because you're not at that 200,000 anymore? No, but she winds a lot. I tell her no more because... And she says... Why not? No, she's not going to leave me, but she's obviously not... No, that's her brother. She has an Asian brother even though she's white. No, okay. Her brother is transition female to male. I don't think that was transitioning from white to Asian though. I don't know how y'all's genetics works. What? No, no, no. Her brother is Asian. That's all I'm saying. No, he's white. Okay. So she wanted someone that looked like her brother? I mean, I couldn't tell if it was Asian or Downs. This is Texas, not Alabama. Uh-huh. Okay. I mean, she definitely kind of looks a little bit like a gold digger. But maybe not. Maybe not. I mean, how much have you given her? I haven't given her any money, but I do pay for it. Oh, come on. You pay for everything. I'm not saying like actually giving her money, but things that you get in her, what? So like we go out to eat. I'll pay for all that. She wanted to go to the rodeo recently, but that's it. No gifts. I gave her gifts for her birthday and Christmas. Like what? So this, I told her it was your gifts for the rest of the year because money's tight. She wanted to get into streaming. I gave her one of my old PC builds. Gold digger streamer. We went to Micro Center, got her peripheral monitors and mic and all that good stuff. Okay. So why'd you apply to be on then? I assume she wants you to continue to spend on her. Probably, but I think cause I'm having to tell her no again. And how she reacting? She's never held a job. So she doesn't quite understand the concept of money in my eyes. I started dating some of the moment they graduated high school. Once someone turns 18, they're an adult and they should be able to learn these things and take care of themselves. It's not that I even disagree, but like you can't also be surprised that when you got someone right out of high school. I'm teaching her. I think it's going to take a while and maybe, maybe it's good being on here because she can see from you, a third party person that you know, maybe it's not necessarily I'm saying no because my finances are severely screwed up. But when people lose income, they got to be able to say no to things and come back on expenses. So you're grooming her into good finances? It's not grooming. It's teaching. You're her Mr. Miyagi. Yeah. And come goes down you say no to purchases. Uh-huh. But really it's more just you are saying no to her for you spending your money on her. I still take care of her. I feed her. I try and take her out when I can. But for some of those larger purchases like the rodeo, she wanted to go see Creed at the rodeo in Houston. And that's Creed at the rodeo. Yeah. They're actually playing this Wednesday. But it's $100 a ticket and she wanted to take her brother there as well and it's $300 in her. Why is she with you? Why do you mean why is she with me? Because I'm a nice guy or she tells me I'm a nice guy. How'd you guys meet? Facebook dating. Oh, what the f*** this show and Facebook dating. Um, in your friend's opinions on this? Uh, they're, they say I'm a lot happier compared to my past relationships. What other opinions do they have on this? They haven't expressed them if they do have other opinions. Okay. Except for the note I have from you to the producers that all your friends find it weird. Ah, so I have, I have acquaintances that I'm not as close with. Uh-huh. They, they find the age gap. Uh, to them they find it weird, but. I've also like in the relationship before this stage gap was the other direction where I dated someone who was 10 plus years older than me. So the groom does now the groomer. Okay. I mean, again, I don't really necessarily care, but she's the one that signs you up on financial audit. That's why you're here. That is a rarity. Usually people sign themselves up to be on financial audit. Your girlfriend, who you were sugar daddy and who you can no longer sugar daddy, who has no personal financial responsibility or education or job or income on her side that relies on you has now signed you up because you are cutting back. That is unique. That has never happened. I think that's me being responsible. And again, you be responsible. She signed you up. Yeah. Cause I'm having to tell her no. And she probably. How is this responsible? Oh, we'll go through it. How is any of this responsible? No, we'll see. Tell me, how is having a stack like that responsible? How is having a stack like that responsible? Because a lot of people, they put all their purchases on the one thing. Me, I use my credit cards. On their debit cards. Bro, this one's basically maxed out with hundreds of dollars and minimum of the payments that takes 30 years to pay off at the top of my stack. What's yours? Your business plus car. What business do you have? Business guy. What's your business? Right now. Entrepreneur. I have two businesses. One is a holding company for structuring. The other one is a. Okay. And what is your holding company for structuring make? Nothing at the moment. I think it's only a 21,000 hours on a credit card with hundreds and hundreds of dollars of interest accruing and a brutal payoff period, but go ahead. What's your second business? My second business is a claims company where I assist other veterans with filing disability veterans. You're a veteran? I am a veteran. Okay. Yes. And what veteran? I am a Navy veteran and I was a hospital corpsman. I was assigned to a fleet Marine force unit. Infantry guys. Very good. So what do you help other veterans with? In learning about the disability system and being able to learn. Learning in which way? Are you getting more disability? No. Are you the reason why disability claims have gone like this over the past decades to all of a sudden the past few years this? Well we did get out of a war that's been going on for 20 years and we are jumping into another war. Well even during the war it was like this and then a couple years ago we did this. Many years ago. I'm talking about two years ago but go ahead. So the VA disability system has not been the most efficient about 13 years ago. There is a backlog of over a million claims. Naturally as contractors come in like the one that I work for the backlog gets cleared and you're naturally going to see a spike in the number of people receiving disability benefits. Yeah but is that even just the number of people? The percentage of the like the actual percentage has been attributed to someone who has dramatically skyrocketed. I'm not sure if I agree on that. It's in the data it's not really agreed upon. I have to see the data. Okay it's on screen now. Okay. I'm sorry I don't have it right here but we'll fact check in the editing. Part of the reason there are a lot of companies down as claims sharks out there where they see the veterans applying as a paycheck. A blank paycheck they put in paperwork they don't treat their veterans. Do you have disability? I do have disability. What percentage? I'm at 100%. Disability. Mental health and a bunch of joint issues. Okay and is that actually from the service being a medical person? Yes. Or is that what your body would be at today including I have mental health issues. If I went in the military and you know didn't get any of them from the military it's just because I have mental health issues my panic disorder I could still get a claim and say it's because of the military. You understand that? Well if you had panic issues they wouldn't allow you to qualify if they're the military. Well I don't know if I had that at 18 or not but. If you can prove that the military caused your mental health issues. How can you prove that? There's a whole review process. How would you prove it? So me I went through the disability claims process for eight years and in 2020 I filed an appeal with the veterans. What's your joint issues? Musculoskeletal issues. Being with infantry I got to wear body armor, got to wear my helmet, 100 pounds of gear, I have my 30 pound med bag. How frequently were you doing that? At least every month. Once a month? Yeah several days out of the month, two weeks a year. So I was in the reserves for a good portion of my time. But I did that for four and a half years. In the mental health issues? The military can get very political whenever we're not actively undergoing war. And your mental health issues? Betrayal is a terrible thing and the thing with betrayal is that it comes from the people that you trust. And you just got 100% disability? Yeah, I suffer from pretty severe mental health issues. Which are? So back in 2015 I was diagnosed with psychotic disorder and made sure depressive disorder. Okay, is this actually from your service or was this something you would have had regardless? The VA has determined it's due to my service. So like I was mentioning earlier. The VA has determined that it's due to your services. The VA has determined that for a lot of people as of these last two years. Well, I think my case is different in that I've been through the process for eight years. I filed back in 2018. Look, listen, I'm not even against you getting this. You know what I want to reconstruct it as? Well, you want to reconstruct it as. Let's reconstruct it as just a, if anyone's served and they completed a full three or whatever, that whole thing. Let's give them a permanent pension forever. Let's not call it a disability that immediately people can screw and get coached on and completely abuse a process. Because there's a lot of people that suffer for a long time that have experienced real disabilities, mental and physical through the military experience. And you might be one of those people. I'm not dismissing that, but I am digging deep because we've just had so many false examples on the show. So forgive me for that. But instead of this system that is so easy to abuse, like any other disability system, by the way, whether that be losing a job, unemployment, and that's food stamps, there's a lot of abuse we have in any kind of system. I'd rather have people go through their entire service and receive a pension for the rest of life. Let's just do that. Instead of having to do this overly complicated system, and now it's being, now people are actually manipulating it and it's bad. I don't think that's necessarily the best way to approach it because there's plenty of people who do make it through military service without receiving any disability benefits. Great. Let's put them all on a pension. Of common misconception with VA disability is everyone's here's VA disability, VA disability, they think. Disability. Yeah, it's because you have a disability, you're getting paid for it. But the actual name of the system is VA compensation and pension. If you work a civilian job, say you're a construction worker, you fall, you hurt your back, you receive what? Workers compensation. Yeah, but that's when they fall and hurt their back. We've had people that have fallen and hurt themselves in military and they admitted on the show on camera that it happened when they were, when it had nothing to do with their military service. It just happened while they were a part of the military. That's the way the loss set up. If you're not happy with it, right? And it's okay to criticize it. What do you think I'm doing? If anything, if they start from active duty and then, and all the way until the time they separate from active duty, anything that happens to them, whether it's on the job. And you're okay with that? Yes, I'm fine with it. Okay. Well, you just said if there's something wrong, change it. Obviously, there's something wrong because the only way to make any kind of social system sustainable and actually provided to people who need it, nope, you're not going to interrupt, you're not going to actually provide it to people who need it is by making it sustainable. But not everything bad that happens to you in the military is necessarily due to the job. One of the biggest issues in the military is sexual assault. Sure. If you get sexually assaulted in the military, I think you should get disability. Right. So why is being sexually assaulted while not on duty? Say you got off work, went to the bar and then you woke up not knowing what happened last night. Why should someone get paid? Because that wouldn't happen when you compared it to a private workplace. But what had happened in a private workplace if you had something that was off campus that had nothing to do with your job. And in the military, you signed a contract for your entire four years. Your own comparison has just failed. But when you sign for the military, your government property for the entire four years, you don't become their property when you clock in to work and when you clock out. There is no clocking in or clocking out. Well, you just said if you think there's a problem with the system, then advocate for it. And I think that would be a valid problem because as I was trying to say, the only way to make any kind of social system actually have longevity because this is becoming a larger and larger percentage of the budget went from 1% to 2% to I think close to 4% now. It's quickly ballooning. And that while we are obviously spending way more than we make, the only way to make it sustainable is to actually correct it and make sure that those who need it, those who deserve it in a way that we all define and get it and even more so, and that those who don't can't abuse the system. That goes for any social system. It has nothing to do with military service, but that also shouldn't be a sacred cow. We should be able to talk about anything in this country without being terrified of this. The VAS taking steps to mitigate that issue. Okay, which is why it's done this. Yeah. And recently they're implementing AI to go through veterans medical records and look for signs that are commonly associated with fraud because as I mentioned earlier, there are some companies. This. Yeah, but not all of those companies are nationally fraud mills where they don't treat the veterans as individuals. They rather see them as a blank paycheck. They try and get the veteran the highest disability possible because that results in more money for them. We should clamp down on that. Yeah, I agree with that, but I don't think that's something that happens off base. What do you think? You don't think we should change that system? It's something that happened to someone that has nothing to do with their service. No, if it happened from the time that they entered the military, the one they left. So you don't think we should change those definitions at all? No, I think the system is fine as it is rather we should enforce. Well, it's fine as it is. We should enforce. That's absolutely ballooning in every way whatsoever. And many people who deserve disability getting denied, well, some people who abuse it are getting approved. We got to look at why those people are getting denied. Are they getting denied because they have the sufficient paperwork? And why are people who don't deserve it getting approved? Should we not question that at the same time? What's the determination for whether they deserve it or not? Well, we would have to decide that it's a society, but I think if one person who was working his second job fell from like an electrical wiring thing like we saw on this show, he fell from that, got injured, nothing to do with his service. I don't think that person should get disability for the rest of his life had nothing to do with his service. Well, the intent isn't to give someone disability for the rest of their life. Again, the intent is to compensate someone because of... I don't care what the intent is. I care about the outcome. The intent, I think we all agree on the intent. The intent is to make sure that those who become any kind of disabled get the support from the system. No one is against the intent. I'm only talking about the outcome. Right. But the rules are already in place there. It's just a matter of enforcing the rules. It's just a matter of enforcing the rules that are already... It's just a matter of enforcing the rules that are already... Because people can make money off of it. I'm not going to deny that. Then we should be against that. I don't understand why you defend something that's not working. Because we shouldn't screw over the people that actually need it because of the handful of people. I'm not suggesting to do so. But that's what we're expecting. I suggested a pension plan for everyone. But not everyone deserves it. If you work a job somewhere for four years or a minute... Let's say they deserve it. No, but they're military service members. They obviously... If you work a job somewhere for four years, you don't get free college. If you get a job somewhere, you don't get VA home benefits. That's the same kind of thing. But isn't part of your argument that they're receiving this money for the rest of their lives wouldn't the same apply for a pension? No. And this is like you and those who have clipped me incorrectly are not actually listening to what I'm saying. I'm saying it's unsustainable when we have a system where people can abuse it and not be questioned because it's a sacred cow in this country. That's what's bad. This portion of the video is sponsored by kickoff. Nobody teaches you how credit actually works. 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You suck with money, so you download a budgeting app. You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to every dollar. You go to the state of Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rock of money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar wise. People play these people just like you for 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. You're not abusing a system if we say everyone gets a pension. That's not an abuse. That's an automatic thing. But if they're receiving it for the rest of their lives just for serving in the military, wouldn't that also lead to us to sell you a small system? Potentially, it would probably be less amount per person. In what way? It would probably be a less amount of money. So me right now, I receive 4,000 a month for being 100% disabled. How much would you propose someone receives for a pension? Buddy, obviously I don't have a proposal in front of me with a mathematical amount, nor am I asking you to provide an amount of money that you think is valid or invalid for people. That wouldn't be fair in this argument. Well, coming back to my point on my business, are there companies out there that promote fraud and see veterans as a blank paycheck? Which you're not willing to criticize. I agree with it 100%. But why call me out on it? Because that's my entire argument. Well, we have to preserve the sacredity of the system on if that's an actual word. Why? If the system's why preserve? Why sacred cow it? We preserve it by enforcing it. Do you think social security is successful in this country? No. Okay, then why preserve this? As you said, what did you say is sacredity? The sanctity. How about that? Sure. Sanctity. It isn't working. It isn't working. What is it? The mid-30s or by 2040? At that point, every single dollar that comes in social security is going to go completely out. That is the definition of a Ponzi scheme. That clearly isn't working. And just because social security is helping a lot of people doesn't mean we shouldn't question it or try to make it better. Just like this. Again, I want anyone, anyone in the military who has served that has become any kind of disabled to get disability no matter what. But if there are issues, we shouldn't treat it like a sacred cow that can't be questioned. I think we can agree to disagree, but I'm going to stand by the point. I don't understand how there is to disagree with that. We preserve the sanctity by there's already the rules and regulations in place. Which is working so well. Because it's not being enforced. And that's what's happening is the VA is implementing AI to start enforcing the process. AI, isn't everything on paper with the VA? No, they've revamped the system, which is how they got down their backlog of million veterans to under a hundred thousand last they checked. So it's a significant process. The VA is making these ascribes to help our veterans. And a lot of people are going to be very against AI implementation, but we'll see. I think AI has its benefits. It certainly does, but I mean, it's controversial. So we'll see if that actually helps. Okay. So good. I'm glad you got that because obviously that helps with your 2,500 that is coming in on a monthly basis. Now you got four in addition. Thank goodness. So what does the second? The 2,500 bi-weekly, about 5,000 total. Okay. There we go. Well, there we go. See, immediately you're a six-figure household because of your betrayal. Listen, I wish I could say you fully deserve it. You just couldn't define what happened to me. Now, a joint thing I get, but you wore something once a month. How does it feel like you come across as a bit of a no-it-all? I don't want to talk about my mental health. That's my issue is unfortunately I don't know it all and that's why I'm trying to ask questions. I only can base things off the information I have. And if you're not willing to give me information, I can't base it off of, but then also don't be upset if I make a judgment based on the limited information I have. That's your choice. So okay, what does the second business make? I haven't taken on very many clients lately, but a lot of veterans aren't willing to advocate for themselves. That's something that I've noticed. A lot of them they feel, I think it is an entitlement, but they hear a verbiage coming from people like you and they get scared away from the system. I'm the guy who says unless you clip it incorrectly like many groups out there have, if someone is disabled from the military, I want them to get more money. I'm that guy. So what do you mean? They hear that and they should be able to advocate for themselves. So I don't know what the f*** you're talking about unless victim complex freak, but go ahead continue. What else? I have another client I'm going through. He recently separated. So I don't take on very many clients again because not a lot of veterans advocate for themselves for various reasons. Some people get defensive about, but... You're a serial entrepreneur that doesn't actually do anything in the end? I'm helping people. So no, not a serial entrepreneur. I have a lot of ideas. Sometimes I kind of met, I sometimes have too many ideas that I can handle and that kind of leaves me jumping from one thing to another, not really saying it's all the way through. So that's my other business and with the credit card that you have here in front of you, that's from my holdings company. Holdings company that has zero. So your client's zero dollars. Well, I have, I'm helping my mom start up her own business. Oh good. Oh, you, the business guy helping your mom start up her business. What's her business about to be? She's a licensed massage therapist and she's been... An Asian licensed massage therapist? Yes. Brandon's going to be visiting her very soon. No solicitations. But uh, yeah, so I've been helping her without, with that, that's where half of the debt comes from. What's your debt? How much debt do you got? Quick calculations off the top of my head, like 550,000 range. Well, yeah, 557,000, 29 dollars and 20 cents. Did your mental disability cause that? The betrayal. Sure you can be treated to it. Yeah, you're betrayed by capitalism it seems. I was betrayed by people I knew in the military and that's why I suffered from mental health. I don't, okay. Okay, dokeys. Um, okay, so why do you have so much... Yeah, only half of that is in mortgage, meaning the rest is just insane, insane, insane, stupidity. What the... What is wrong with you? What is going on? I mean, did you even have time to do this? You're starting business to love the brain. You're in the military until 22, 23. 23. Okay. Well, how have you had the time to accumulate $2,25 million of bad debt? Uh, I said... No wonder your girlfriend, unemployed, who knows nothing about money, signed you up for... Sounds like she actually might know something about money. Her boyfriend's... So, I haven't had the start since leaving the military to focus entirely on my businesses. I was actually homeless for a while. Why? Sounds like you're close to your mother. No. My mother and I do not get along, but she's my mom, my lover, and I'm there to support her. She says she's proud of you and you're helping her with her business. Okay, what about father? I haven't seen my father since 2007. Why were you homeless? A big portion of it was making bad financial decisions in my early colleges. No one taught me any better. And I was... Well, no one's taught anyone any better. Most people don't end up homeless. Well, what happened? I did a semester at college, realized I didn't like it. The military offered me a nuclear engineering contract where I... It's money. Yeah, and $100,000 bonus. My mom talked me out of that because she wanted me to go to school. What the f***? Yeah. Agents, yes. And then they're like, okay, well, if you want to stay in school, you can go into the reserves. You can be a crypto networker. We'll give you a $15,000 bonus, top secret security clearance. Crypto networkers are like military hackers, essentially. Sure. Why aren't you just going to f*** school for what you want, though? I dropped out. I wanted to go to school for psychology. And the reason I picked the job as a hospital corpsman was, you know, being embedded with infantry. I would have a firsthand knowledge of what they go through. And in my head, how can I help... What are you talking about? I'm so confused. How'd you end up homeless? So I tried the college thing. Didn't work out so well. Lost scholarships, ended up in a lot of debt. Thanks for... Why? Again, because the VA wouldn't approve my educational assistance for many years. That's a big reason. Hurricane Harvey happened back in 2017. Lost my car, lost the place I was staying at. Okay, that makes sense. Now a lot of the Hurricane Harvey people, though, didn't they get like free hotels and sh** like that? Like they just wanted to offer something, right? No, they offered it to me. Well, you probably had to go somewhere. Yeah. And people were just going around offering. You probably had to like look up the assistance. You don't know what you don't know. Well, I mean, it was like everywhere. But I mean, I remember, I wasn't even in Texas at the time and I remember seeing it, but go ahead. Yeah. Well, I didn't know of that. So lost my car. Yeah, the car thing. I definitely get that for sure, for sure. And I've already accumulated a lot of debt at this point and I dropped from my last semester college. I'm actually just 18 credit hours from getting my bachelor's degree, but I was going through some severe mental health issues at the time. I mean, I just ended up homeless because of that situation. A friend of mine offered... Sounds like it's mostly on you, a little bit with the hurricane situation, but well, if you were able to afford that place, why couldn't you get another place? That was in the water. So all my friends that I knew that were giving me rent for cheap. Were you in rent for cheap? The house that you lost? It wasn't my house. I was renting it. So after I dropped out of school, a friend was renting me out a room in his place for 450 a month, which is pretty cheap back in 2017. Yes. No, that's great. And I studio... Okay, how long are you homeless? My goodness. Probably for a year. A year? I'm so confused. I was couch surfing for a while. So I would sleep in my car for a few weeks, crash at one friend's couch for a few weeks, and just couch surfing at the time. I appreciate you coming over, even though your girlfriend signs you up. Let's confuse this. I have a note here that even though you're completely f***ing, you're the one that went homeless and you're like, no, I know more about money than anyone else my age is what you told Colton. You said, I literally understand money. Well, that's what? But you have a quarter of a million dollars of bad debt. How are you the money guy? The guy that knows everything yet. This is you. Your girlfriend signs you up to be on financial order. And you're telling the producer to come in and I don't even need to be honest. What the f***, what am I even doing here? I know everything about money. I know more about money than anyone else my age. I've been watching a lot of the more recent episodes. My girlfriend's a big fan and I see the people that bring... I see you out there, little digger. That build up a lot of their credit card debt, buying unnecessary things, eating out all the time, taking trips all the time, Disney, Taylor Swift, stuff like that. And I don't do any of that. And when it comes to using my credit cards, I try and pay off the statement every month. Okay. You did not pay off this first credit card within the month. You have a quarter of a million dollars of bad debt and none of that lines up with anything you're saying. What the f*** are you talking about? So that card was 12 months, 0% interest, not deferred interest, but 0% interest. And I've basically been waiting for my mom to pay me back on the stuff that was used to start up her massage shop. What? How much did you give her? At least 10,000. Okay, that's 10,000 out of a quarter million dollars of bad debt. I understand 10,000 is a lot, but even so, that doesn't account for a quarter million dollars of bad debt. I was setting up mortgage losses and additional quarter million dollars. Yeah. So the other 10,000, I've paid a couple thousand off, which is why the balance is what it is. Instead of higher, I'm pretty big into guns and I want to start my own firearms company. So I purchased the... What the f***? What are you not trying to do? This makes no sense. I have a lot of ideas. So what'd you do? How much have gone into that? Probably 15,000. I've paid close to five to six thousand off over the past several months, but I am coming up on the end of that period. Period. What are you talking about? I'm not seeing that paid off. What are you talking about? The 0% interest. Where's your debt paid off? I'm not seeing that. You're a quarter of a million dollars of bad debt. I'm working towards it. No, you're not. Every time some people... No, you're literally not. Where is it? I see it in nothing. We'll get through some of the stuff. You literally just got 50,000 dollars from BackPay and used it on endless impulse purchases. I'd have got a bit overborn because... A what? I wasn't ever born. I've been fighting with the VA for eight years and six years going through sports with the VA. You spent it all on bullshit instead of the stuff that we as the tax paying United States is supposed to be helping you and supporting you. Like you mentioned earlier, it's an entitlement. The VA determined I'm entitled to that compensation. Okay, so you're disabled and you didn't use it on anything to help you with your disability? I got a therapy. It's not what you use it for. You spent it on bullshit. You spent it all on bullshit. I did buy a car. I don't think that's why we provided it. I did buy a car and I use that for therapeutic reasons as well. What? Because of my mental health. What? I tend to kind of just drift off. So I go work on the car and then it helps me get better. I have something to focus on. Mental disability to you means nothing. That was a horrendous definition of mental disability. You literally just took any time, anyone says they're mentally disabled, you just took that and made it meaningless. I was talking about what I do for therapy. A car to work on because of mental health? Different people cope in different ways. Some people they... Bloody. You just meant that. This is stuff I talk about with my therapist about. So he advised you to use $50,000 of the government paycheck for a car for therapeutic reasons? Not to that extent, but they advised me to find a hobby, to give me stuff to do other than sit around doing nothing all day. And that's exactly what I did. And I view the car as a good investment. I can fix it up, I can resell it for a good amount of money later on if I decide to do that. So I thought this through already and I think I put that to a good use because it's going to give me something to work on. I'm going to keep going to therapy with the VA. Yes, I'm not saying don't. No one's against the therapy thing. It's that you blew all your money immediately. All the back then you just fucked it up. What do you mean? I have $1 million of bad debt and there's no money anywhere. What the fuck are you talking about? You didn't blow all your money? There's no money tucked around here. Where? Where? Where? Where? Where? You have a little bit of investment, but nothing compared to where you need to be at 31 and you have a quarter million dollars of bad debt. The money is nothing. You are negative net worth substantially. It's not even close. What the fuck are you talking about? Okay, so... That's why your girlfriend signed you up. I think maybe the 19-year-old is more understanding about personal finances than you. I think she's smarter about money than you and she said you need to get your ass in front of Caleb Hammer because you're a dumb ass and you're going to fuck up the rest of our life. I did take that big pay cut, so I'm still working on getting adjusted back. It doesn't matter. Thanks to us for your betrayal. You make over 100,000 dollars a year. I was making 200,000 before I started getting the VD disability. It doesn't matter. You still make great money in a not expensive major city. You already have a mortgage. Houston's a very expensive city. Not compared to most major cities in the United States, though. Okay, and I'm not moving there. Huh? I'm not moving to those major cities. Exactly, but you can do okay on over 100,000 dollars a year in Houston. Well, apparently I have a lot of bad debt. No, apparently you are just bad with money in your girlfriend sees it and sent your ass over here. How can you tell Colton that you don't need to be here, that you are good with money when you're the guy with a quarter of a million dollars and bad debt who blew through 50,000 dollars of back pay on bullshit and says because you got betrayed you need to get a car to work on. No, I need a car for my mental health, which I view as therapeutic. I work on stuff. I resell it. That's not therapeutic. That is what we call a hobby. And hobbies are good and I want you to have a hobby. Exactly, but you are coping by calling it a mental health investment. You just need a hobby like any other person in this world because everyone needs hobbies. That's just normal living. I consider it a good financial investment, too. I got the car for a great deal. So how many of these cars do you have? I have three vehicles total. How many have you had since you started? Over the years, probably a dozen or so. Oh my f***. I have the worst luck with cars. Worst luck? Yeah. But thank goodness it's because you got betrayed so you can use that as a cope. Oh no. F*** you dude. I just get bad luck with cars. Like one of my cars... Hey, hey, that many bad looks in a row. Stop! You need a car to get around. Oh my f***. Yes, have one. Solve your issue. What the f*** is wrong with you? What are you doing? What are you talking about? That's the worst cope I've ever heard of. You don't need three cars to get around. That's the worst cope I've ever had. One car is for a daily. I gotta get a r***. You? That's the only car you need. Die. Go. What do you mean? Why do you need the other two? I do my own repairs on the house. I need a truck to move lumber. I've wanted fleshing used to mine. Lumber? Yeah. Why don't you move a lumber? Because I need a repair of the house. I gotta get... What the f*** is happening to this house? I bought an older house. Okay, if you need to move some stuff from Home Depot one day, run to truck for 50 bucks, you're fine. You do not need to own a second vehicle. Yeah, but it's being cashed out, right? When you have a quarter million dollars... Yeah, but you own a quarter million dollars in bad debt as well. That could be sold and help go towards the debt. You have an excuse for everything. No accountability. I wouldn't put a f***ing excuse. What the f*** are you? Excuse is there? Yes it is. I thought through all the bridges that I've made. You're right. It's a horrendous cope. Your thought was nothing and that's why your girlfriend has sent you here. And I know your friend that came here with you thinks the exact same thing is not. The exact same thing is me. That's why I have the friends that I do. We keep each other in check. Except you just don't go in check though. You don't listen. You just think you're the guy. You're the f***ing guy. You are the guy. He's not the guy. I'd like to think I know better than most people. Yeah, which is why your two businesses are complete failures. And same with the one that you invested in your mom's master portory business. That's the massage shop. She doesn't do those kinds of things. That's true. She's an Asian lady in her 50s. She's not going to be doing that kind of stuff. I think that's who does it. Isn't it Brandon? How would you know? That's why I'm asking Brandon. He gave me a yes. Oh, okay. So you found out from Brandon who does it. Yes, he's a Rub Maps pro. He's the one who showed me that website. That and another guest on the show. It's kind of crazy. I'm going to risk it for me to do it in my position. Okay. What do you think your financial score is 0 to 10? I'd say like a 4. See, you just, you think to hire yourself. I don't get it. You bought a Hummer to help with your reign in flooding. What the f*** are we talking about? It floods in Houston. I need to be able to get around. You went through one bad experience. If you want your Hammer to financial score, get it for free at CalebHemmer.com. It takes a few minutes to get your score. Take the assessment. See where you're doing well, where you're doing bad. What you need to do to do better. And if you don't want to be like a guest who ends up on the show, make sure you download the dollar wise budgeting app at dollarwise.com or in the app store, all those good things. Take it for each other. See if you like it. I promise you will because most people go for the full annual version because it saves them 50%. And you get my personal daily meal plan that me and my team with a chef, we made. It is incredible. Includes drinks and snacks. It is for every day of the month. It's a meal plan that makes you actually healthy, sustainable, meal prepping and within a budget. Check it out. I'll sign that mail directly to you. Go to dollarwise.com. Okay. Financial genius. Why the f*** do you have $21,101.13 on a blue business plus credit card? Well, your businesses make $0. Tell me genius, please. About $10,000 of it was to help my mom start her own side shop. How much money are you getting from that on a monthly basis? She's trying. She's working on repaying me. How much money are you getting? Nothing. Huh, that's interesting. How did that happen? How long has it been open? About nine months now. Oh, wonderful. Why haven't you got a penny? Well, it's on a credit card that takes 29 years to pay off. Your girlfriend will have finally graduated high school. So my mom has some financial struggles as well. Oh, good. That's why I give $10,000 too. She's been using the money to pay off her other debts. And I'm, you know, I love my mom trying to help her out. She raised me. You can love someone or not, support their bad behavior also while f***ing your entire life, $4 million in bad debt. I think I have the cash tucked away somewhere to pay that off if I needed to. Objectively. No, I have all your savings here, buddy. Your best account is an investment account, and it doesn't even cover a quarter of that. In fact, it only covers 10% of that. That's not even your entire debt position. It only covers 5% of your entire debt position. You're f***ing, you're f***ing, shut the f*** up. That's not true. You're lying. I have enough to cover that card at least. First of all, but then you would have to sell. You'd have to pay taxes. You'd be f***ing shut up. And also, even still, you give someone who's irresponsible, bad with money, money when you can't pay off your debt. You might be able to pay off a card, 10% of your total bad debt position, 5% of your total debt position. So shut the f*** up. Stop putting yourself on this elevated level. You're not there. You're not the guy. Oops. That's kind of f***ing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $350 in bonus cash right now. 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I'm only giving away a thousand of these bad boys, so smash that button. Get in on the next big thing in digital assets. We're taking Rugpole Coin to the f**king moon, baby. But hurry, this is completely real internet money and it's not gonna last forever. So hit that link and get ready to ride the coin all the way to retirement. $211 minimum monthly payment. Lucky you got the disability coming in because you got betrayed. So that's good. And because of that, now you can make a payment. But before that, I don't know how you would do anything. The rest were guns? You're kinda being told that. Gun parts, gun manufacturing equipment. So how much have you spent on guns? Gun manufacturing equipment. You're manufacturing guns? You're trying to start your own manufacturing company of guns? You have the proper licenses for this? If I manufacture to sell to other people, I need licenses. But I'm keeping them for myself just to get the experience on it. My f**k. So this is the United States. We have the Second Amendment. We certainly do, but you need licenses to sell them. If it's a gun business. I'm not selling them. I thought it was a business. I thought you were investing all this for a business. Well, I need to get the experience first. Let me guess, for your mental health, you need this hobby. Partially, I keep my occupied. Shut the f**k up. Shut the f**k up. No. Shut the f**k up. Guys, I am going to use my panic disorder for every excuse for everything I want to do for the rest of my life. Apparently, you can just do that and no one will question it because you look like a bad guy. Oh, I mean, you could have joined the military and gotten compensated for it. I think I'm doing okay. But also, I mean, I appreciate everyone who signed up. My cousin, who I grew up closest to, like literally best friends, couldn't separate us from the hip. He went into the military immediately. I love that. I don't know if he's getting any disability. And if he did, I hope it's because something actually happened. And if he didn't, I hope that's good that he didn't get something because I hope he's not disabled. Well, I hope he's not disabled too. And again, this is for compensating people who aren't able to earn as much due to it. We're not going down that again. We already went around the circle. I'm just saying I didn't need to sign up to get an extra check. I'm not complaining about your check if you deserve it, but all you're saying is you got betrayed. So if I don't have the full context, I don't have the full context. Shut up. But you cannot say, I need to spend a shit ton of money on 12 cars and all this gun manufacturing because of my mental health. Everyone can just use that excuse for everything in this TikTok age. So how much have you spent on guns, not a business, manufacturing, not a business? No licenses. Probably throughout my entire adulthood, probably close to 40,000 or so, but I do end up profiting on some of it. Some of it how? I thought you can't sell it. What are you profiting? I can't sell the guns that I manufactured, but I also collect and buy other firearms. They gun to gun shows. I have an eye for rare things. Sometimes you find a unicorn and you resell it for profit later on. Okay, I'd say half an eye, but... Narrow vision, what'd you say? Yes. Yeah, so... $40,000 on guns, some of them making collections. How much end of the manufacturing? Between parts and the tooling, close to 15,000 or so. Ah! Ah! What have you made so far? If I proceed with it, I'm going to have to eventually... No, what kind of gun have you made? I've built some AK, some ARs. They're gorgeous stuff. I found the Russian parts kit from back in the Soviet Union days turned into a functioning firearm. It's gorgeous, so I'm happy with it. Oh. Would you like to see? Nope. What else do you collect? Because I'm being told you spend a shit ton on collecting a lot of things. Ah! Oh, what, luxury suits? No, not this one. It's Armani. This is... It's Armani. Bro, it looks like literally anything you can get off the fucking shelf in Walmart. Yeah, but you got... Part of it's the tag. You're going to show someone a Walmart tag? How much was that? Take a guess. No, I honestly wouldn't know. That's not me, man. It retails for $1,500, but I picked it up for $20. I'm a thrift shopper. Okay, I'm okay with that. $20 is okay. How much you spend doing un-f-ing suits? I thrift almost all my suits because you can get fantastic deals on them. And do you do Armani or Armani Express? Armani. The actual Italian stuff. And I do Josset banks for their wool. Okay, none of this means anything to me. I think you just spend money, and let me guess, that's for your mental health as well. No. I just don't... The suits, they can be used for a wide variety of situations, and a good suit will last you a lifetime. Great, and you're not doing it any justice right now. Like, why the f-ing wearing it? It looks horrendous. And number two, your friend also thinks you're completely lying on how you got this suit just to justify it and not look bad about likely spending $1,500 on it. Your friend, who came here? Who I saw! He can't prove I spent $1,500 on it. And you can't prove... I can't prove I spent only $20 on it. You could if you gave me the receipt. I got this years ago. On what? How'd you spend... How'd you pray? Uh, cash. Uh-huh. Uh-huh. It's a thrift shot. You ever heard the Macklemore song? Yes, I go to thrift shops all the time. My girlfriend likes thrifting. We use credit cards. I like cash. I carry cash with me. I think cash is still king. Objectively, no. Actually, in fact, you just make everyone's life more miserable when you are checking out with cash and coins, like a f-ing weirdo. Contractors love cash. Yeah, so they don't pay taxes. 29 years to pay off. This is so stupid. So stupid. So it's f-ing guns? And then to your mom, which would be a cash advance anyway. Like, I don't understand that. Or did she spend it on the credit card? How'd that work? Uh, she purchased items on the credit card and then she would pay me back. Oh, two months. And then it goes to 26.74%. At least it's not deferred interest. But oh my f-ing, this is about to be bad. Yeah, so... Bad. You know, I can acknowledge it's bad and that's why I'm not panicking too much about it because I do have money around. Like, yeah, do I...? Not enough! Oh my gosh, buddy, you are so broken on this. You can pay off a card of your $250,000 of bad debt, though. You can pay off maybe $25. Maybe $25, and of which you'd have to pay, except maybe penalties and taxes. So maybe not even the full card. You don't know what you're talking about. I don't know where this f-ing arrogance comes from, this hubris, that the self-confidence that you can take care of. But when mathematically, you can pay off at best 5% of your debt before taxes and fees. 5% and you're comfortable? What is wrong with you? That makes no sense. Your girlfriend was right. I was living pretty comfortably until a year ago. What? I don't give a f-ing about what was. What was means nothing. I don't give a f-ing if you were living bad years ago. If you are now living good. But it's the opposite, and I only care about the fact that you are now living like shit. I don't think it's all my fault though. Oh, whose fault is it? No accountability. Whose fault is it? Huh? Who is it? Some of the solar companies are pretty scummy, man. Solar companies? You have someone on your staff that used to... In Houston and cloudy Houston? Okay. Yeah. Why are they gonna sell me solar if the price doesn't work? So they can make money. What do you think sales is? Dude, are you moron? What the f-ing is wrong with you? What do you mean? Why'd they sell me solar panels so they can sell solar panels? If they tell me one thing, it's something else. Well, is it in the contract? Are you gonna sell them? Yeah. Well, I'm thinking about it. Okay, well, there you go. You're probably gonna lose because you have no idea what you're talking about about anything. I'm clearly learning that. Every time you try to do anything, you completely fail at it. When's the one time you've been successful? I don't see anything. You're half a million dollars in debt. Quarter... Half of that is horrendous, bad, disgusting, ruinous debt. Where have you ever been successful in life? What have you ever done that has been successful? Please tell me. I went from being homeless, no car, no job... No, no, no, no. If you started homeless, sure. But you went to the homeless because of your horrible behavior and going into horrendous debt for no reason whatsoever. It's not like you started there. You started here, went here, and now you're here. You're still in a bad spot. Yes, you're not as bad as you were at homeless, but you're still much worse than you were overall before. Well, the VA could have prevented that. If I had received my basis in this... If you could have prevented it, if you weren't going into horrendous debt for literally no reason... If the VA had approved my disability back in 2018... So you need support always, no matter what. You can't do anything on your own. That's part of the disability system. Sure, I got you, but you went into debt. You went into debt for things you did not need. First school and this thing of my future. That's what I heard growing up. You got to go to school. You got to get a degree to get a job. Sure, sure, absolutely. And guess what? You didn't have to. You didn't have to. I'm part of it. I consider it a blessing because that's what got me to the position that I'm in today. It's been difficult finding work without having a degree. Not necessarily without the degree, buddy. You got a $200,000 job without a degree. I did my $100,000 sales job. If you're good, if you have experience of what you do, and I believe you could actually use that, I believe you can use that because I think you do have skills in your position. I'll get your course career certification to extra boost your resume. I don't help you. A lot of people in the audience have converted those into six-figure jobs. I'll get you one of those for free, up to which one you want. But certainly in the tech world, if you want to keep doing that, I think they actually have something quality assurance related. I might be mistaken on that, but I'll get you set up with a free course career certification for sure. Okay, so what's going on with synchrony? What's the balance on that one? Well, $1,899. What? Penin charge of... I think that was from the... Carnival dream? Carnival dream? Carnival dream? The cruise. Oh, my cock. Oh, its current balance is substantially higher. Oh, its current balance is substantially... Me and my entire life. Pull it up. Pull it up, you little tit. It is $10,000. Never mind. You don't need to pull it up. It is $10,111. And $0.74. What the f*** are you doing, you little shit? I should be like 8,000 tops. Nope, because you already had a balance there. Tops. Tops. Shut up. What were you doing? What'd you do? I was buying art. You bought art on a cruise? Yeah. I had no decorations in my house. I've been there for three years. You don't need decorations. So I don't want to hear mental health. I don't want to hear wham homelessness because of VA. You're choosing to buy $9,000 of art, $8,212 of art on a cruise because you didn't have art in a house. You're not a victim of this world. You're the victim of yourself. You can't control your ship every white if I was like being in a mon mon It doesn't matter in also here's the thing order at home spend a few hundred bucks in your fine You didn't need to do thousands of dollars on art. It was a good investment. No, no, no That's what the Cruz people told me so you fall for everything haha I was like a new mom. I Love my mom's business. I'm here to help her yeah, but encouraging bad behavior while you get sold into solar Well, you get sold into art on a cruise. Just hear those words, art on a cruise. You think that's where the successful art collectors buy their art guy? Oh, it was through Park West, which is as they've pitched in their line, the number one art dealer in the world. Buddy, you are willing to be sold on anything. Progressive. You are willing to be sold. It maintains its value. Good. I can. You got to pay off that money. You can't. I can, but I also got the frame. Sell it. I'd be upside down quite significantly. Why? I don't see the point on it. Why? Because I had to get some of the art framed, and it cost money. It cost a lot more money than I thought it would. How much? For six of the art pieces, it was about $5,000. Dude. Okay. Semi-attractive gold digger, leave him date Brandon. You'll be better off Brandon. You'll be attracted to her. It's fine. This guy is insane. He will fall for anything. Bing Bing is out. Bing Bing is out. B-dog is in. Okay? I don't think she would leave me. Why? What do you have? What are you offering? This makes no sense. You're insane. This art thing, $5,000 in frames, your mom's business, and this moronic, moronic, solar shit, and then your endless businesses that you start and can't do anything. Thousands on gun manufacturing of which you have no license for. Buddy, you are insane. Yeah, well, I don't need a license yet for the gun stuff. Okay, show me a picture of Bing. Best one. Let's just see them all. Let's just see them all. Who painted them? Have you heard of Thomas Kincaid? I actually think so. I actually think so. Yeah. So maybe let me find the... In the originals? The more expensive pieces, yes. And the not more expensive pieces? Those were a really good deal and group bundled. They're still signed. They're still not rare. Buddy, you dumbass here. I just gave you something just as valuable. Dude, you are more... This could be worth big money someday. Someone got to ask Steve Jobs for an autograph. What a screen recording. Well, I sign all our cookbooks and mail plans, so I'm decreasing the value daily. Well, there's the frames. Great. I want to see what the art looks like. Okay, is this the art if I click on these? Probably won't show up bigger. That's part of the invoice side. I have the paintings themselves. My goodness. Looks good done it. That one looks AI generated. Because it looks AI generated. Okay, let's go here. Okay, this one's okay, but it just looks like a classic... I mean, a hotel that hasn't been renovated in 30 years painting. So I don't know why you'd want that anywhere. It fits my house. Again, this one looks AI generated. I know this one. Is that one original? No. Oh, you... The one that's actually recognized. I think I got it. Old school. This is in a church that was built 40 years ago. This one is actually halfway decent, but still, again, that looks like AI generated. Oh, buddy. Oh, you... Oh, you are so... I'm sorry. Why is she with you? I have no idea. I'm going to call her in the post. We're calling her in the post. Okay, so minimum monthly payment now must be like... I don't know what is it. You know what it is? So that one's 18 months deferred interest. It doesn't matter. What is the minimum monthly payment is my question that I asked. I don't know the minimum, but I... What is the minimum? You... I don't know, but I'm going to put 450 towards it to pay off the whole balance. You basically have to. So I will put it in parentheses, but 450, so the minimum is like 150. I'll do that. My goodness. Answer questions. Pizza. Sapphire, what's going on? That's what I used to purchase the frame for some of the art pieces that I just showed you. I'm going to absolutely die. You moron. You and the lady that did 15,000 hours or whatever it was for five pictures overseas. What is wrong with you people? What is wrong with you guests on the show? What is wrong with you? I got to hang it up. It protects the art. It helps maintain the value. It's a good long-term investment. Maybe I'll pass it down to my kids someday. Kids. What? Kids. Do you have kids? No. Oh. And is she going to let you breed her while you're doing all this? Are you going to show up with that sick staff? She's been asking about it. She's been asking about it as you've been... She's been f***ing everything up and she makes no money and she has to send you to a show three hours away. I'm teaching her about financial stuff. You're teaching her? Yeah. Oh, shit. So she's going to double the situation. She's going to accumulate her own 250,000 hours of bad debt. I'm hoping she can learn from my mistakes. What? You haven't. You're justifying everything here. You're making excuses. Metal house. Shut up. Shut up. Have you hung the paintings? No. They won't be ready until May. How? No. Because it's all handmade framing. It's not like your Walmart or HomeGoods generic. What's wrong with those? These are valuable. Some of them are originals. And I think good pieces of art. Open the credit card. What, a few months ago for this? So the sapphire... Moron. The sapphire I've had open for about two years. Okay, and then you maxed it out with this because when? It's not maxed out. I have a $17,000 limit. But you put a shit ton of money on it. I did, yes. When? This was in February. Last month. Yeah. You pathetic. Warm. Oh, so I got the art with the synchrony in January. And then the art arrived at my house. My f***ing carry. And I took it. What the f*** is wrong with you? You f***ing moron. $54 a month is your minimum fee payment. Oh, this year alone, $900 a fees. What was that? That's part of the fee itself. So I did get it. What was that? So, $795. Oh, the sapphire fee. Yes, $795 is a sapphire fee. What was the other $200 bucks for? I did make a late payment. I know you're going to yell at me. What? Not a $200 late payment, though. You're late. You're buying f***ing paintings and frames for thousands while being laid on the cars for those very things. You are such a f***ing piece of s***. Stupid piece of shit. The late fee was from the before. What the f*** is wrong with you? No framing. The late fee was from the before about the framing. All the infinity bullshit. Then firearms. Firearms are under $12. Interest is accruing and all f***ing stupid. And stupid. You're being stupid. Well, you're also considering a brand new deal that you're getting sold on from AT&T offering four new phones for you. Spur your six lines. The phones are free. The phones are free. They could sign with us for three years. No, I haven't done it yet. I'm thinking about it. Buddy, you need to be done being sold to. You need to get into the sales because the best salesman, the easiest to sell to. You need to get into sales. You're a moron. I used to do life insurance and I was not a good salesman. Oh, f***. Oh, s***. Then how are you so easy to sell to yourself? You're such a... You're so easy to roll over. I think to myself and I... I learned to betrayal your sales that don't end up being good because that's why you're going to cling a disability from these as well. Buddy, with interest and fees, it's almost a thousand f***ing bucks. What is wrong with you? I don't understand. You have several business lines for your phones. Your phones have several business lines. So one... Businesses? Those businesses that we talked about earlier that makes you... Hey. I have one phone number. That's good. Are you taking advantage of all the tax situations that you can? I think my CPA is pretty good. That's awesome. So that's... I like to keep my business and personal separate. I don't want... I'm not suggesting the opposite. That doesn't mean get six lines. Okay, so one line for my self-personal, one for my business, so people can call me directly. Four more left! People ain't calling, by the way. One for my mom for her personal line. Oh my f***, she can do that herself. One for her business because... What? Oh, you f***ing... People are over there going to be hitting up her address at two in the morning. Trying to be gooners. Well, no. She doesn't want that on her personal phone. He used to take someone home from the club at two. Okay, so one is visiting the parlor. Okay, so regardless, she doesn't want messages from people like me. Two more. Don't know why you're paying for her. One for my roommate, so they all seize a partnership and I have a business line for him. What is wrong with you? It's a business expense. One more. And then one is for my friend. Oh my f***. What good business expenses? The friend out there? No, no, different friend. I gotta call this girlfriend on the post show. I gotta. And we also have confirmation that your mother will be jerking off Brandon in the post show. So make sure you guys subscribe to Hammer Elite. We'll see how twisty-turny that thing is. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. 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 GamerSubs at home for just 40 cents of serving. 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 GamerSubs. 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. Platinum. What's going on? Oh, Platinum. So Platinum does offer a good benefit. I use that for a lot of my travel and I'm not spending anymore on that first AMX with the $20,000. Travel? What are you traveling to? Are you supposed to be buckling down entrepreneur? So when I went to go purchase the car, I paid for a pre-purchase inspection. The mechanic said everything's great. It checks out. Yeah, I usually do too. The dealership said everything was great. And then I transferred money for the car, flew in to buy it. And for... Flown to where? Wisconsin. Oh, for f*****'s sake. What car? 1993 BMW 850 CI. Okay. V12 6-speed manual. All right, don't come. That's a rare car. 850 of them. I'm so excited. I'm thrilled. I can't. I'm thrilled. Hold in my excitement. So anyway, having learned from my mistakes in the past, I ordered a pre-purchase inspection. Mechanic checked everything out. I go up there, I pick it up, start driving back home, 400 miles in, the clutch goes out. Right, that explains all the bullshit purchases on this car. What the f***** kind of story is this? We have delicate spur, delicious spur, Makila Jarin, Hulu Plus, beauty inside out, Indian summer lounge, going inside and getting some bullshit. Looks like you got an energy drink. That was from... What? That was from when it was on the cruise and we were... What are you going and you're stopping at the gas station getting in an energy drink, right? It was on the drive to the cruise. Pick your flavor. Pick your flavor. These are the packs that come with gamer subs. These are the free samples. So you can get free samples of gamer subs right now so you can figure out what flavor you like the most. Then these are the packs. It's 40 cents a serving to make your energy drinks at home instead of stopping in and spending five bucks at the gas station like you did. You want goof juice? That's Charlie's. Or do you want rad sickles? Actually, I don't know what flavor this one is. Here, take goof juice. Goof juice is good. It's strawberry. I like strawberry. Thank you. 40 cents a serving, buddy. You don't need your monster anymore. I'll give it a try. 40 cents a serving. Give it a shot. Everyone genuinely likes it. Genuinely likes it. My link below. I've been trying to kick the monsters for a while. There you go. Use that. It's perfect. Broadway Street, disabled veterans. You paid $2,060? They're a service organization. You have what people call claim sharks which are private companies that charge exorbitant fees to help veterans with their claims. Then you have your veteran service organization. You were one. I work for a contractor that does the exams. My main business, I do it. My side business, I do it on a private fee basis. Those VSOs, they do it for free. They operate off of donations. Why'd you pay $2,060? You donated? I donated. You have a quarter of a million dollars in bad debt. I love the donating heart. That is not a bad thing. I should donate to some veteran groups as well. Okay? I should because I want to be a big supporter. You don't have money. You're putting it literally on an interest accruing credit card. You're donating on a credit card. You need to donate to making sure you are set up for success because when you are and when you live a good life and have good money, you are statistically able to donate more money throughout the remainder of your life than just one time while putting yourself in a hole. This is insane. $2,060 on a credit card is... Well, that was after I got my $50,000 back day. You put it on a credit card more on and then something automotive and then auto check. Okay. Those ones I understand, but dude, this is so stupid. You are everything. You are blowing money. You do not have. Microcenter. Here we go. This is for the girlfriend, right? Yes. So... Sugar Daddy. Here we go. It was wanting a higher end gaming PC that would have cost like $6,000. I told her no on that. Okay. Well, you certainly didn't get anything high end for $1,397.38. I had a PC from a few years ago that I wasn't using. I gave that to her, but I didn't have any peripherals like monitor, keyboard, mouse, mic. So I gave her my old computer. Okay. $1,400 of gaming equipment. It's actually pretty crazy, right? She just needed one monitor. She didn't even need to be higher than 1080p as long as she's at what, at least 120Hz. She's really good at games and she wants to get into streaming. Good for her. I just defined her minimum viable product needs. You didn't need to do this when you are only going further into debt on everything and you just put it all on this card. $1,397.38 at $50. How many monitors did you get her? Two. She's won. One for her game, one for her streaming. She's streaming. She's working on it. Go f*** yourself. She can do that when she streams, then mouse, keyboard, pad, all that good stuff, I assume. Yes. How is she going to use a PC without that? How is she going to get a job? She can get a remote job. She should get a job now. If she has time to stream, she has time to clean. Nailed it. I'm pushing her to getting her GED to finish her education. I'm also pushing her. If she do that instead of streaming, make this a win. Make this what she gets because you have to f*** her because you found someone while she was in high school. Well, that's the agreement. You became her daddy. I told her, look, I'm not going to get you your $6,000 gaming PC. Pew, the peripherals you should have gotten if she completes her GED gaming PC. First of all, you can't even afford a $6,000 gaming PC. How are we even having that conversation? I told her no. No, she told her no on this. She gets this with GED. She gets that with a job. There's more stuff that she wanted to get. I told her no. Once I see her falling through with her, I understand why she's saying that. You'll go into debt for her. MXEO, $454. What did you do on here? I use that one for gas and groceries and for my Amazon purchases too for things around the house. When did you spend going out to eat on a monthly basis? It varies wildly. I cut back a lot for myself. When? A while ago, especially after my pay got cut to $60,000. I used to go out at least once a week, especially with my roommate. Once a week? Okay, $454.27, minimum monthly payment, $40. For that one- Don't bullshit, dude. It's okay. Here's him cutting back. Uber Eats, Uber Eats, Uber Trip, Uber Eats. Autism help? I was on the cruise, my friend's wife, I always accuse her of being autistic and she's like, I'm not autistic. I'm like, okay, go take this test. Dude, you paid $20 for that. I have no sympathy. Uber Eats, Uber One, Uber Trip, Uber Eats. My girlfriend's taking it. Shut the fuck up. Here we go. Carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival, carnival. You're spending hundreds of dollars per thing. I just said there, plus a thousand. You're fucking ridiculous. Dude, this trip, this Carnival cruise trip, which is one of the more affordable vacations you spent like, what, $40,000 on? With the paintings and everything? Buddy, you went insane. On a cruise trip, you spent like $40,000. Okay, for the cruise itself, it was made like a hundred bucks. For, by the way, carnival, carnival. Those were her friend's birthday. Carnival, you spent $40,000 on. Do I need to say this again? Carnival. There's no way it's $40,000. Maybe it's up there, buddy. Maybe $12,000. No, it's more than that. With the paintings and everything, on here alone was like almost 12. You're fucking, by thinking that. Trading view, you're paying for trading view? What, are you going to be a day trader now for your mental health? Trading view? You trading view. What trading view? I made good money last year. Oh my goodness. What did you make? Like $28,000. Profit. Profit. Did you pay taxes? Yes. How much have you made this year? The most recent tax period I ended up losing $50,000. I thought it was something. Go fuck yourself. Uber Eats, Uber Trip, vending machine, yeah, more energy drinks. Use your gaming substitute. Much more cheap. Uber Trip, garlic sushi, Metrex, iron, didn't fit something. I don't know. Jacks X, Zing Coach Plan, $83. What's that? So that was an online coaching thing, which was on a yearly renewal basis, and they do it through the app itself. I didn't realize I was on the annual. What's wrong with you? I canceled it. $70.14, citizens pay. You pay this off every month, though, so I'm not freaking out about it. Yeah, I got one more payment on that, and that's done. So I'm not writing that down. Same with this blue cash preferred. Okay, so that. But even still, it's bullshit, buddy. It's Spotify. I mean, even the CEO later, I'm excited. And when does I get an energy drink? Amazon, energy drink, energy drink, energy drink, energy drink, Amazon, vending machine, energy drink, Amazon, mad cow, Amazon, Amazon, energy drink, energy drink, pull up your Amazon and start a screen recording. This is ridiculous. Your spending is insane. You have no idea. You have no idea. You are so lucky. You get the benefit that we provide as a country that I am not complaining about as a concept, but as abuse sometimes. But you don't use it to actually help yourself. You just spend it on Carnival Cruises and bullshit and sugar daddy. The Carnival Cruise was the one show me. Okay, I'm working on the getting the screen recording up. I feel like a boomer. Oh, yeah, yeah, yeah, yeah, yeah. You don't have the app. No, you spend this much and you don't have the app. There's five things in his car. Let's see. Mazda battery equalizer. Okay. You do car shit. Radar detector for police. That's illegal in Texas. No, it's not. Yes, it is. I think it is. Laser jammers, yeah, but not radar detectors. Okay. Okay. And other radar detector. It's all car things in a wall outlet mount as well. For the BMW, it's an older car. The mount goes over the rear view mirror and then the other radar detector things. The wiring to actually connect it to the car and then. What is this? 320 degree vacuum padlocks, precision Kelly forceps, scissors. It's like for fish tanks. I don't even know. Rhino rescue. That's a first aid kit. Dude, how much gauze does people need to buy? Medic wrap. You bought like a trillion pounds of adhesive bandage shit. That was a medic. Yeah. I had access to a supply room with tons of stuff. I'm not used to budgeting when it comes to my own. How do you need this much wrap? What's happening when you step outside in Houston? But you just buy to buy. You just buy to buy endless battery banks. Oh my goodness. Gun case, buddy. Energy drinks galore and liquid death sparkling energy drinks. Gamer subs, man. Gamer subs. That's all. Caleb. Okay. This is so different. Good leap. Oh. Okay. $60,000 here. What is this? So that is one of two installments of a solar loan. Wow. That's a shit ton of solar. What did you do? So the issue I was having was I was continuously having power outages with all the storms and I was also paying quite a bit for electricity. I would get a gas generator or like a battery with one solar panel that maintains during the power outages. If you're getting outages during storms, solar is not great during storms. But working from one, the battery generator, the gas generator is not going to run the AC. I'm not going to be able to work inside the house when it's 100 degrees in there. It doesn't answer how solar is not great during a storm. Not initially, but if the power is still out as it has been. I've been eight days without power. What am I going to do? Go to a hotel, pay $150 a day. Potentially life for death, but either way, $150 a day or $417 a month forever. Well, at the time when I got the solar, I was making potentially $1,000 a day. Making potentially something tells me that didn't happen. The way I looked at it. Oh my. The way I looked at it. If I'm losing $1,000 a day and to insure myself against that. That was an hour a day. Your energy cost was not $1,000 a day. From my job because I work remote and I need electricity. The gas generator isn't going to give me the type of electricity I need to run my equipment without damaging it. So from my job, I make an hourly, but I also make overtime and commission based on the commission. You can set it to run only critical things though, including AC. That would run for like an hour. Exactly, but you could do AC on battery bank and then power and then gas generator for the house. You can set things up strategically instead of, and here's the other thing, the solar two card, the second solar card and other $46,763. You are over $100,000 in solar debt with minimum payments $750,000 because this is $268,000, $10,000, 7% interest rate, 7% interest rate, not even good. Not even good. This is what ended up happening. For the first time, this solar happened. Yeah, what? I was having really high electricity costs because the roof was going out and I paid to have the roof replaced and then I was still spending a lot of money on electricity bills. You put money towards everything. There is not something you don't immediately go into. I take care of the stuff that I have. No, you spend more than anyone in the history of the world. It would lead to bigger expenses if I didn't fix the roof. I agree with fixing the roof, but then you just, you've coped the out of the solar and everything else. Yeah, so for the solar on the first installment, they told me it would essentially put my electricity used to zero because I was paying close to $500 a month on electricity. $2,000 on whatever this is with a minimum of $635,47. What is this? What is this? A 13% interest rate of death. What did you get? That's probably the BMW. That is the BMW. 13% interest rate personal loan on a BMW, $13,753. I can make good money back if I fix it up. Yeah, while you're gaining 13% interest on it, losing. This is so stupid. Hasn't it broken down? Right? Is that what you told me? Yes. Buddy, I'm just going to keep going. This is so stupid. We have another car loan key of this time of $26,151.25. If you didn't go advocate that you were betrayed, there's no way you could afford these minimum to payments. I don't even know if you can anymore because this one's an additional $510.72 a month that you just purchased last year of $26,151. Again, I got that when I was making $200,000 at the time. I think $25,000. Okay, $23,000. Okay, so upside down a little on it. I would sell it. I would borrow the difference and I would get a $10,000 every day car. You're not willing to do that? I can already tell because you know more than anything and you came here because your girlfriend applied. I don't even give a... The paying $10,000 on the car, I can use it towards fixing up the BMW. That wasn't the point. It was to erase that debt. That's why this is not worth even pushing back on this. Shut the f*** up. $287,000 that actually makes sense for our house in Houston in $0.55 with a minimum monthly payment of 6% minimum monthly payment. Kind of chunky. Oh, wait. Yeah, it's because that... Yeah. The escrow's heavy. $2,866.81 a month. Yeah, I'll do that. Why is there more? Because PCI preferred credit. So that was for a water softener system on the house. Dude, there's nothing you don't spend tens of thousands of dollars on. This was my justification for the water softener. Yeah, let's hear this justification. This was my justification. I was spending... What, the water was hard? So I actually wanted to do... In the past shows I've seen, you're always talking shit about the water softener system. Maybe if you can't afford it. I can't afford it. So I consider it an investment because it's going to cut down my costs on how much I'm spending on laundry detergent, dishwasher detergent, body wash, shampoo. Okay, you owe $9,517 with a minimum monthly payment of $131, 11 years to pay off, 11 years. So you better be saving that shit. You saw the little bets on my Amazon. You better be saving $100 a month on those. Well, you're losing $96 a month. Shut the fuck up. I'm saving money. Oh, student loans. Here we go. I'm... What are we doing? Okay, 400... Me, man. Oh, you get every debt. $40,162.61. What's your minimum to payment? Here it is. Fuck me. $368.28. College dropout. That's okay. I did the same thing. I'm going to continue. Selfie checking. I liked them at some point, but now they actually kind of suck. I prefer chime. Time's great. You can get $350 signing up with my link. Doesn't matter. Plus, you're getting a shitty rate of 0.5%. I don't know what the fuck you're doing. Okay. Yep. Checking account. Little bit of savings. All adds up to paying off 5% of your debt if you wanted to. Just mostly transferring things back and forth. Nothing too crazy here. Same with that. Okay. $2,000 in that. Nothing happened. $465 in that. Down from $480. Just probably the fee. $1,500 in that. Why do you have so many accounts with just random thousand there? $1,500 there. Just consolidate yourself, man. What a mess. After I open my business account, I get solicitations. It's so stupid. Open account with us. We'll give you money. And I'm about to open another one. Oh, you can, but just close and then move. Okay. That's a good plan. Well, the chime one, because you're able to open that, but at least it's at a high savings rate where this capital one, it's at 0.000, whatever it is. And then, yeah, this $6,000 in this SoFi Invest, that might be where they're okay, but still, you want to be able to connect your investments to Bushing Naps as well. Okay. So $25,000 in the self-directed, but you... It's at $27,000 right now. No. I'm making a little money. But you contributed $56,000, so... That's where I lost big last year. Well, this is his day trading. Oh, for fuck's sake. No, it wasn't from... So it's actually down, man. Yeah. Swing trading? Swing trading is a lot. Where I went wrong is I got into options. I was making big money. No. You try to do everything, and that's why I'm just like, buddy, you know what you need? What do I need? Simplicity. You're trying to do everything. Use the budgeting app. Use the mine card, debit card that builds credit. Just use those simple things, a high-yield savings account, follow basic personal finance rules, get a certification, get a good job, live a good life, stop trying to be in every bucket of opportunity ever created. It is fucking you. You're a perfect example of that. Use your privileged positions, man. Use your privileged position, and don't get up. Let me get your minimum of the payments outside of your mortgage. It's going to be a lot. Okay, so not mortgage, and this is why, yeah, you need that disability because without it, you would have negative every month, $3,185.09 mortgage is $2,866.81. Okay, utility, gas, electric, all of that plus internet. How much? Probably 700 a month. Fuck my life. Phone bill, you're a million of phones. $2.60 a month. Gas, room, room, drive, drive, how much? About 30 a month. Okay, car insurance? $300 a month for three cars. See that's another... Daily driver, $30 a month of gas. Shut the fuck up. Groceries, you and your girlfriend, $600. Use the meal plan. It's every meal of every day, it's perfect. TP fund, anything else you guys need to survive? $150, medical healthcare, copays, you got VA, but do you help her? I don't know. And now she's under parents' insurance. Subscriptions, I'll try $50. You have any pets? No pets. Okay, anything else that needs to be in here? I do get $9.30 a month from rent from my roommate, so that adds to my income a little bit. Oh, thank fuck. And I'm working on getting my homers insurance decreased, and because I am 100% disabled, that weighs my property taxes, which I think is about 300 a month. Okay, well I hope that helps, but you have to adjust that when it happens. Right now, in order to survive, you need $8,141.90, which is insane. And that's on a tight budget too. It's crazy. Honestly, headed towards bankruptcy. Let's be very real here. So you make $9,930, you have an extra, a tight budget, estimated $1,788.10. Okay, which quarter million dollars of bad debt on 788.1 takes only $139.00. Months to pay off. Yeah, definitely headed towards bankruptcy. That is a 12-year process longer than bankruptcy. You're not day trading your way out of it. You're not massage parloring your way out of it. You're not new business in your way out of this. The only way to get out of this is stop your spending, convert from this. You need to apply. All this time you're spending on all this bullshit hobbies that you're coping with, you need to up your resume and apply to jobs like none other in up your interview skills. I know you're going to say, I applied to jobs. You also spend a shit ton of time and money on hobbies. So you're refocusing that energy towards jobs. I don't want to hear your excuses. You are increasing your income. It is all going towards paying off debt. And you can probably get it down to paying off debt in five years. And then your emergency fund, which is worth it for the rest of your life. Then you have to catch up on investing, not through options trading. That's your future. And I'll hear nothing other besides that. Okay? Okay. I'm going to call the girlfriend in the post show. There was a lot to talk about. She needs to fuck this guy unless he changes his shit around. And then I will be okay with him sticking. Well, let's get your hammer fund and score for spending in a budget. Well, you overspent zero out of 10 debt. No collections, but it's as bad as it gets without collections. One out of 10 emergency fund. Let's see. Well, I mean, you got thousands scattered. It was a bit weird, but for your living expenses of warm money should be going. Give you a four out of 10 retirement, obstinating. That's not good. It's not great. Two out of 10. I'll be generous. Real estate. How much is your house worth? I purchased for 315. I haven't found any updates, so we'll call it 315 for the worth. I have been putting a lot. No, it's gone down. When'd you buy? 2023. It's gone down. Maybe. I don't know. Ah, yeah, we can call it 315. Yo, what was it? Two out of 10. Okay, cool. Interest rate. Yeah, I'll give you a seven out of 10. Hammer financial score. Three out of 10 rounded up. Kitchers and Caleb Hammer.com, though. Join us in the post show by joining Hammer Elite. I'll see you there. Hello? Hi, girlfriend. Why the f*** are you with this guy? Going hundreds of thousands of dollars in bad debt for stupid things, 20 to 40 thousand dollars spent on a carnival cruise with art, all this stupid, endless bullshit. Why are you with him? It's his choice. So you should leave. Unless he changes his behavior. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated 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. That's a promise.