Financial Audit

My 600-Lb. Audit | Financial Audit

99 min
Apr 3, 202616 days ago
Listen to Episode
Summary

Financial Audit host Caleb Hammer audits Sarah, a 27-year-old Dallas phone sales representative earning $4,500/month, who admits to cheating on her unemployed husband with a sugar daddy to cover household debt. The episode reveals severe financial mismanagement including $40,000+ in debt, excessive discretionary spending, and a pattern of enabling poor decisions.

Insights
  • Young adults with addiction histories may substitute one compulsive behavior for another (food, shopping, sex work) without addressing underlying financial discipline
  • Relationship financial dysfunction often stems from poor communication and lack of clear boundaries rather than income alone
  • Morbid obesity (BMI 40+) creates measurable systemic healthcare costs that impact insurance premiums for all consumers
  • Discretionary spending ($2,250+/month on food, nails, vapes, entertainment) often masks deeper financial literacy gaps and inability to delay gratification
  • Generational enabling (grandparent co-signing, paying bills) perpetuates poor financial habits and prevents accountability
Trends
Rising prevalence of transactional relationships and sex work among younger women facing wage stagnation in commission-based sales rolesNormalization of 'girl math' and financial rationalization among Gen Z/millennial women to justify overspendingIncreasing use of buy-now-pay-later (BNPL) and deferred interest credit products by low-income consumers, creating hidden debt trapsHealthcare cost inflation driven by obesity-related conditions and preventable lifestyle diseases in working-age populationRelationship infidelity enabled by financial desperation and lack of spousal communication about money and boundariesSubscription and micro-transaction fatigue creating invisible monthly drains ($80+ internet, $350 phone, $100+ pet insurance)Influencer-driven consumption patterns (nails, vapes, cosmetic procedures) among women in low-wage sales positionsAvoidance of financial transparency and budget tracking as coping mechanism for financial anxiety
Companies
Vanguard
Sponsor providing tax year-end guidance, allowance tracking tools, and investment growth resources for UK investors
Dollarwise
Budgeting app sponsor offering financial tracking, spending insights, and budget meal plans; heavily promoted through...
Dave Ramsey's EveryDollar
Competitor budgeting app criticized for forcing users into rigid spending categories and complicated interface design
Monarch Money
Budgeting app competitor backed by hundreds of millions in private equity funding; criticized for data privacy concerns
Time Bank
Sponsor offering checking accounts with up to $350 bonus cash and 3.5% APY savings interest rates
Gamer Subs
Energy drink sponsor offering 40-cent homemade gaming drink alternative and 10% discount with code
Corsair
Text sales certification program mentioned as alternative career path for commission-based sales professionals
LinkedIn
Professional networking platform recommended for job searching and career advancement in sales roles
American Airlines
Airline where guest financed music festival trip tickets through credit card, creating unpaid debt
Capital One
Credit card issuer with multiple high-interest accounts held by guest with growing balances
Chase Bank
Bank issuing credit card with $323 balance used for restaurants, nails, vaping, and entertainment
Affirm
Buy-now-pay-later platform used for laser hair removal and cosmetic procedures with deferred interest
Klarna
BNPL service used for concert tickets and entertainment purchases with installment payments
Synchrony Financial
Credit card issuer with $2,607 balance on cosmetic procedure card with $1,000 deferred interest hitting in one month
Starbucks
Coffee chain where guest spent hundreds monthly on specialty drinks despite financial hardship
DoorDash
Food delivery service used extensively for takeout, contributing to $1,000+ monthly food spending
Vivid Seats
Ticket resale platform used to purchase Dallas Mavericks basketball game seats on credit
Alamo Drafthouse
Movie theater chain where guest spent money on entertainment despite financial debt
PayPal
Payment platform used for various transactions including music festival financing
People
Sarah
27-year-old Dallas guest earning $4,500/month in commission-based phone sales; admitted to infidelity and financial m...
Caleb Hammer
Host of Financial Audit podcast conducting financial audit and personal criticism of guest's spending and behavior
Brandon
Show staff member present during recording and post-show phone call with guest's husband
Colton
Person who informed host about guest's statements regarding monogamy and 50/50 bill splitting expectations
Quotes
"I have both. He's getting cucked to the extreme? I mean essentially, that's his fault, not mine."
SarahEarly episode
"You're a cheater. You're disgusting. You're a bad person and yet you position yourself as up here and I need you to bring you back down to your reality."
Caleb HammerMid-episode
"I'm literally just a girl trying to make ends meet."
SarahLate episode
"You are morbidly obese. How much do you weigh? 260 pounds. You're in obesity class three, something I didn't even know existed."
Caleb HammerScale segment
"Life's a compromise, right? Which means you immediately in a math and you're raised by morbidly obese people like it's horrible."
Caleb HammerMid-episode
Full Transcript
When the tax year ends on the 5th of April, valuable tax allowances may be lost simply because people left things too late. Thankfully, Vanguard is here to help you make well-considered decisions, not rushed ones. Their tax year-end hub is full of clear guidance, helpful tools and timely reminders to help you understand your allowances and give your investments the best chance to grow. Search Vanguard Investor to learn more. When investing, your capital is at risk. Tax rules apply. To watch episodes of Financial Audit a week earlier, check us out on YouTube. How much do you weigh? How much do you weigh? I will say this, I'm sitting at this desk and my stomach isn't trying to leap onto the f**king table. I'll just say it makes sense that you made a cookbook. It's a healthy cookbook. Then you're clearly not using it. Oh, oh that's mine. I'm not from here, so I really didn't know what to get, so I got... All of this? Door dashed? Yes. My husband is broke. What the f**k are we saying, husband? You're looking for a sugar daddy or do you have a husband? I have both. He's getting cucked to the extreme? I mean essentially, that's his fault, not mine. Hold on, does he consent to this? Oh. Okay, and you are going to go sleep with an Asian. Two to eight. Or last night? Are you serious? So this has already been done, the cheating has already happened. And what did you get? How much money? Whoa, what the f**k? This is the last week. Dollarwise is finally here, sending waves to the personal finance world. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33% discount for the first three months for the annual plan at an insane 50% discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you. After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download Dollarwise to start your free trial. Go to dollarwise.com or click the link below. Hi, I'm Sarah. I'm 27. I'm from Dallas, and this is Financial Audit. Why'd you look at me like that? It's so weird. You're weird. Okay, okay, I'm very good. Um, what? I just, I don't understand why you just stared into my soul. I just, listen, I film three of these a week, four of these a week. Sometimes I've never had a guest do that, and it was very uncomfortable. But thanks for coming down from Dallas. What do you do for a living up there? Sales. Okay, I assume. Oh, yeah, that was a good joke. Just wait until I get started. I'll get spicy. I'll get spicy. Spicy? Spicy. Okay, you're like the whitest person I've ever seen. Okay, I don't know how much spice you have to provide, but regardless, sales, I'm assuming this is over the phone sales, not in person. Correct. Correct. That is correct. That makes sense. I've been doing it for six years now. Uh-huh. Yeah, you stay behind that phone. And how? Are you calling me ugly? I didn't say anything. Oh, okay. Uh, what do you sell? Phones. You sell phones? Mm-hmm. That's a sell? Never been a sold a phone. You didn't sell phones? Well, I do business sales, so I sell phones and service to business customers. Okay, so people need their business phones? I guess. Okay, interesting. You don't need phones and tablets and things for your business? We just get them. Right. Uh, okay, so what are you making this? Is it commission-based? Yes, commission and hourly, but mostly commission. What's your hourly? Let's start there. I actually don't know. Well, it's a basic question. I'm financial auditing, and here we are, four years in, basically. How do you not know your f***ing pay? I don't look. I mean, money's money. No, no, no, no. You didn't accept the job? I mean, I did, but I've been there six years. I've had plenty of raises since then. You don't accept the raises? I mean, they just say, hey, you got a 4% raise, and I say, great, thanks. The money goes into my account, and that's where I'm at. Okay, and then commission. Just what hits your account? What hits your account on a monthly basis, on average? Like 4,000? It's on a good month. So 4,000. You can't live in Dallas and 4,000. I mean, you can, but it's like, I mean, this is hard. The f*** you doing 4,000? I mean, sales, I mean, you're kind of shitting sales if you're only making 4,000 hours a month in that. I said, yeah, yeah, I mean, I mean, 8,000. Well, that's why you've been there for six years. No one else will take you. Yeah, but 4,000 average, I mean, that's pretty horrendous. You know, when I was in sales within my first year, I was making 11,000, 12,000 hours a month average. Well, what were you doing? Text sales. Because I'm always top sale person. You're the top sales person. One of them, yeah. So this is a sh** job. Leave. Take your sales experience and go somewhere else. No, you want your 4,000. Okay. Yeah. I mean, I have like good benefits. Yeah, good benefits will be everywhere. If you're at a halfway decent job. I don't have to pay for my cell phone bill. That makes up the additional 5,000 you could make. Your cell phone bill would be $5,000. No. Okay. I don't think that's what I'm valuing above all else. 4,000 hours. How are you surviving that at all? Well, I have outsourced, if you will. I outsourced what? Sugar daddy. And you clearly consume a lot of sugar. So you're one to talk. Girl, we're not on the same level. Let's go bar for bar. BMI. Exactly. Well, exactly. I mean, I don't know mine, but all I will say is I'm sitting at this desk and my stomach isn't trying to leap onto the fucking table. I'll just say it makes sense that you made a cookbook. I can't imagine that. It's a healthy cookbook. Then you're clearly not using it. That's why you haven't looked inside to know what's there. Have you heard of the gym? Who are you talking to? Do you go? Who are you? Look at you. I'm just saying, if you're going to say something about me, we're going to talk about you. You can, but we're just on such different levels, like no offense. Not really. Girl, listen. Yeah, you tucked it in and hit it now because I mentioned it. That's something I've never had happen in the history of my life. First of all, food. I've never had a stomach try to escape my literal clothing. It's a short shirt because of my boobs. I'm glad you've tucked it. It's a short shirt because you're morbidly obese. Make sure you breathe through that. Your heart needs extra. Wow. First of all, I don't even have sleep apnea. Do you? I don't have cardio issues. No. I'm also a bad defense to go around saying, I don't even have sleep apnea. I just feel like that's like a go-to fat person thing, like that and like a love for mayonnaise. Okay. So I don't understand who would be sugaring you. I'll be honest. What is this sugar? Somebody's sugar is on this show. What's going on? What's actually happening in your life? I mean, first of all, there's a flavor for every one. Is it my arms? It has to do with your arms. The sleeves? No. My tattoos? No. It's what's on the tattoos. Where? Trying to crawl towards me. My hair? This is very hairy. They're blonde though. Listen, listen, listen, listen, listen, listen, listen. Sorry. I'm just, I just, I accidentally looked. You will come to see that one of my investments, I'll call it, has been laser hair removal. But I started in one area. I got to make it to the next one. Okay? It's really crazy to talk about hair when it looks like your beard can't connect. So have you ever grown out of a woman? I don't know if that wasn't actually good. That was actually a good one. Thank you very much. It's rare, it's rare that we get it. Oh, well, I'm quick. No, you were very delayed, but it's, it's okay. But it was still fine. So what is actually going on? I'm sorry. I got distracted by the forest. It's literally blonde. Okay. Yeah. I'm not, how old are you? What does that matter? I'm asking what's going on. Because I'm curious how long it's been that you connected. Okay. Whatever. That I've connected? Would you like me to shave? Because I would certainly like you to. My arms? Never. I need you to do something. I'm asking what's going on. There's a flavor. Sorry. I got distracted. You sure about that? You sure about that? You sure about that? So I have definitely meat, certainly. No, I am asking what the f**k is going on in your life, you f*****g beast. Well, you asked me that. Answer the question. Good. I mean, f**k. My husband is broke and facing. What the f**k are we saying, husband? You're looking for a sugar daddy or do you have a husband? I have both. He's getting cucked to the extreme? I mean, essentially, that's his fault. That's his fault? Hold on. Does he consent to this? Oh. Okay. Wait. No, no, no, no, no, no, no. First of all, how are you getting more than anyone else? And also, what the f**k are we talking about here? Oh my gosh. Okay. So part of the reason I'm out here at this specifically is I needed a good excuse to come to Austin to meet the sugar daddy. He's here. In Austin. He already exists. Yes. Of course, he's not going to be on camera. Let me see. I feel like I'm going to judge him. Yes. That's what I do. Oh, Colton told me your husband's against it. You're just, and you're just doing it. That's actually kind of crazy. What the f**k? So here, what are we talking about here? He doesn't exactly know. I need to see this man. How long have you been married to this guy? Why is he so desperate? He's old. Yeah, but he's not like ugly. It's the thing. First of all, desperate is crazy. No, it's not. There are people that are attracted to. No, there's not. What the f**k is happening? This guy's just showing you this one. But he doesn't even, he's a get. Okay. The dude's like a bearded, tatted dude. Looks like a genuine normal dude. What the f**k is happening here? Okay. So how the f**k? So you rolled down to Austin to get some Asian old sugar. I'm a little confused. What the f**k are you giving to him? I mean, what am I not? Okay, exactly. So what the f**k? Okay, your husband, I'm being told your husband views sugar daddy and is cheating. But you're just doing it. You're just doing it. Well, if he's not going to work and he's not going to contribute, how else am I expected to pay for things? Oh, get a f**king job. I have a job. Okay. Yeah. Get a better job, use your sales experience and get a different sales job. I'm a full-time job. Okay. So I have to work more. I'm saying get a better one. Or don't stay with this guy. Don't cheat, leave or open. I mean, we've been together through a lot and he's funny. Okay, but you're cheating. The D is fired. You're cheating. You're cheating. Cheating. I'm sure when he realizes that that is how his allowance has been. He didn't even want you to come on the show apparently. What the f**k? Yeah, he did not. What the f**k is happening? So you just, whoa, whoa, whoa, whoa, whoa, whoa. So to be clear, you and your husband, what you hear is anything and you just do the opposite of what he wants at all times. How does he even get a say? All he does is play video games. Do husbands not get a say? Okay. Yeah, but is he still not your partner in the relationship? He might be a f**king loser. I mean, is he not your partner in the relationship? Why are you so selfish and disgusting? Yes, he has no problem taking the allowances. What allowances? What do you mean allowances? I give him an allowance of $300 every two weeks. You give him an allowance? Yes. Yeah. Interesting. Oh, oh, that's mine. Okay. I'm not from here and so I really didn't know what to get. So I got all his edges door-dashed. Yes. I didn't have time to stop before I got here. What's a f**king beast? Is one of them for anyone else in here? Yeah, which I'm only going to want one. I just don't know which one I want and then... Oh my f**king... Dude, you're actually insane. What is wrong? What you door-dashed here? Okay. Yeah. You know what show you're on. You f**king moron. Well, while you're cheating on your husband and you say it's okay because he plays video games, what the f**k is wrong with you? If he... No, what the f**k is wrong with you? You're a piece of s**t. You're a piece of s**t. What's debatable? Huh? How is that debatable? Cheaters a piece of s**t. You open up or you break out? You open up or you break out? I was going to tell him once I started seeing him. No, you were going to tell him. No, he's against it and you didn't ask permission. It's not... Have you never heard asked for forgiveness instead of asked for permission? Not when cheating. I mean... Do you look down on this man? I mean, I'm being told you do because I guess he's lazy. I mean, yeah, because when we got together, he was a successful roofer, you know, and we were really just, I don't know, thriving because I had a good job, he had a good job. How was he? We met, he is 30. Okay, so what? Is he just in a lull? What's happening? A lull is, I feel like... What's going on? F**k and try to give an actual extended answer where I get some f**king details. You're on a podcast. I know you probably can't get that much oxygen out without your heart exploding, but try your f**king best to answer a f**king question. What is going on? Oh my God. No, you're obnoxious to talk to you so far. Sorry if I'm being too rude, but what the f**k? Please just answer a question. You must go through microphones regularly with those decibels. Anywho, he just... I don't know how microphones work, you f**king... They can't get busted out over sound? This? With a loud noise? Are you f**king stupid? Whatever. Anyhow, hold on. Hold on. You see, to be very clear, you see what you're doing so far, you haven't answered the question. Okay. Well, let me get a sip of this coffee and then we'll talk about it. I mean, essentially, he's just... I don't know. He stopped really closing deals, and so he stopped trying. How long? How long has he been in this slump? You know, usually when people talk, they give information... It should over a year. Over a year, for sure. So, you actually gave some information that I can use. Thank you. Okay, so, you just had a hard time for a year. What if the communications been before you went and just started sleeping with someone else behind his back? What has the information been that you have tried to communicate to him about him getting a sh** together or else what? What have the conversations been like? I mean, I've had several conversations about like, hey, our debt is piling up. I'm having to borrow money from my grandma to support things. I'm having to max out credit cards. I tried going out with him to do it because it's, you know, you've got a doorknock. Okay, well, I wouldn't be doing three coffees if I was borrowing from grandma, but continue. I mean, I need a little sweet treat. Continue. Continue. You, objectively, don't. That of everyone. Continue. Do you want one? No. Continue. I don't know. He's really just been kind of like on an avenue that he wants to be a streamer with the gaming, so he's been trying to do that, which is awful. Have you told him he needs to get his sh** together? Yes. Because you've told him what's going wrong and what you don't like, but if you told him what you need to see as a partner. Yes. And you've been married how long? Five years. Okay. And you are going to go sleep with an Asian today with an old Asian man today, right after filming this. Or last night. Are you serious? So this has already been done. The treating has already happened. And what did you get? How much money? A couple thousand. Whoa. What the f**k? Whoa, whoa, whoa, whoa, whoa, whoa, whoa. Hold on. There are attractive women in Austin that would love a couple thousand dollars. What the f**k? But they're not me. Like, so you personally basically- Exactly. That's what I am advocating for. ...all the traction. We have a relationship. He likes me as a person. Yeah, but no. Plus, he's going to pay for me to get the BBL and the weight loss surgery. BBL? Absolutely. What the f**k? BB, your entire body's a BBL. Who's a body with a fatty? Stacked on itself. Huh? I need to be a body with a fatty. You are the fatty. Well, I'm sorry, but if you're going to say it- First of all, weight can be lost. Can it not? It can. I don't know why you're not doing it. Personalities can't be changed. Well, and yours is horrendous. Just because you can't speak this language doesn't mean you're good. I'm hilarious. He probably asks everything he wants to. I mean, he put it down well, so. Okay, listen. I gave him a good experience. Well, we're not going to go in depth on that, but this is disgusting. And now that you got the money, this is when you tell your husband now? Yes. This is when you tell it? What the f**k is he going to think? I feel like he's going to maybe be mad at the beginning, but then when I'm like, how did you expect me to pay for all the debts that you've accrued because your lazy ass doesn't want to get on the streets and work? Well, your lazy ass doesn't also want to get a better job with her sales experience. And you've been comfortable staying there. No, you don't. $40,000 a year in Dallas. Is that a good job? Oh, it's not $40,000 a year. Oh, sorry. $4,000 a month. Not. It's definitely more. Well, you said four. I'm going off for your number. Well, you took the first number. You want to give me a different number? I took an extended one, but it's what I paid. Well, you said I made $8,000 one month. That means nothing. The average is what I asked for. It's $4,500. So $4,500. Okay. You don't have a great job in Dallas. But you're comfortable there. You're comfortable there because you don't have to move from your chair. $4,500 in Dallas, right? Brandon Lindsay from Dallas. Exactly. Getting head and nose. It ain't a cheap city, dude. I mean, I have resources. Plus you take a full week off every single month. Every single month you take off. I can explain. Okay. Let's try to hear this. So to be very clear, she wants to take a week off every single month when she could be making sales, but she's going to go sleep with an other man behind her husband's back and get paid for it because she can't make enough money, but she'll take a week off every single month. Well, speaking of back, that is the problem. You said back issues and so yes, but I have a bad back. And so I have like L.O.A. approval and they like pay when I'm off. Yeah, but you're not getting commission. They give me quota relief. You're not getting commission. They make quota relief. Okay. What? What does that equate to? It's enough. It helps. No. If you're making 4500, no. With quota relief, it got me 90% to go. You know nothing. You're still making 4500. You should have another job. Use your sales experience. I'll get you a text, a text sales certification through Corsair. There's a lot of people in the audience have used that and they make like 100,000 hours now. Oh, wow. Yeah. I love sales and I'm good at it. Good. I'll give you to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to give to He's being forced as compromising. He doesn't even know about it yet. When will he know about it? Has he ever caught you cheating before? He hasn't been together for a while and then you come down to Austin and You just do this overnight. No, I've never cheated until last night if you define it as cheating Well, yes, he's against that. He doesn't know about it and you did it and you got paid How would you define that again? We're not as expected to we've had double conversations don't take a week off every single month leave him open up Doesn't Cheatings never the answer leave him or open up. Okay. Well, then let's open up. That's up to you, too He said no, let's call him in the post show We'll call him in the post show because I need you to admit to what's going on. Oh When are you going back up to Dallas? tomorrow, yeah, that's gonna be a very Interesting moment Listen, if you are struggling so much why the fuck are we spending so much money because again you door dash three coffees How much was going out to eat last month? Oh you want me to guess no actually I wanted anyone else in the room not you the person on camera Yes, it even really like matter that much because well, give me the answer you dumbass Why are you so bad at podcast? I'm literally I'm literally just a girl. I have no idea how much I spent on it Yeah, I'm trying to have you guess. Why are you really so bad at conversations? $400 thousand dollars you theft that is what's happening You suck with money so you download a budgeting app you start with the classic one why not but everyone just deletes it because it's way too Complicated to use so you go to every dollar. That's Dave Ramsey the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances Rock of money that you got a lot of commercials, but they're owned by rocket mortgage Guess what they want to sell you in the end? Then there's the new guy on the block monarch Hundreds of millions of dollars of private equity raising so far But private equity doesn't have the best track record when it comes to private data That's why I like dollar wise bills play these people just like you for people just like you No private equity no gimmicks just the best budgeting app There is download an hour start the free trial dollar wise comm link in the description below That's kind of stupid. I'll be honest But what's not is actually getting a checking account that gives you free money free money We like free money you can get up to $350 and bonus cash right now when you sign up for the checking account that I use time Also, it makes your savings grow at a 3.5 APY interest rate guys you can watch financial audit and get free money at the same time who would have thought that's incredible Check it out link in the description below sign up for time get that $350 right now when you're checking account Okay, but again Life's finer things. You know what I mean? You had just go cheat on your husband You know that's neat to work. Yes, well time job. Yes cook. Yes, yes, a man and have a no not necessarily leave him Day someone else I don't give a if he's a piece of shit if he's being bad leave him He'll learn or give him an ultimatum, but you haven't I mean there's no way that those numbers are right Okay, well they are like shut the fuck up like I what am I supposed to say to that? You're there's just obnoxious shut the fuck up. I don't know who you think you are you think you're like this elevated person exactly You're not everyone looks down upon you. You're disgusting your arm hair suffocates men So you're literally nothing in civilization you are looked down upon you are in fact why our healthcare system is Insanely expensive by the way, that's why your back hurts because it can't control your eating you're disgusting You're a slob wrong and you try to position yourself as this elevated figure on this show. No, thank you Nothing confidence is nothing when backed by nothing you're nothing I've been I have to change your tires. Just your drive the way back Dallas. Oh, that's a weight joke That was kind of mid Yeah, you've done better. I have well you're sometimes you gotta just let the bit go. It's not even a bit You're literally harming my chair. You're causing me a budget issue here It's all right, but the thing is I don't know why you're acting as if you're like skinny mini queen. I'm not okay I'm not but I'm not acting like I'm the bad bitch I'm not acting like I'm the bad bit again. This is a Position yourself as this elevating thing here. I'm not trying to position myself as elevated here. Aren't you? No, financially sure, but I'm not out there cheating. I would ask for open. I would break up I would do whatever is required. You're a cheater. You were disgusting You're a bad person and yet you position yourself as up here and I need you to bring you back down to your reality I'm literally just girl trying to make ends meet. You're not just a girl. You're about three of them hmm You're spending a thousand dollars a month going out to eat because I'll be more But we morbidly morbidly obese while literally taking Asian for $2,000 I'm literally okay. I like I like my finer things. I love my coffee It doesn't matter you're having to literally be in cheat and yourself to pay for it Yes, it is you got paid to bang um that is no it's more like we have a relationship and we're cool And that's what it is in the end. Let's be let's be honest here. Let's be honest here. That's what it is in the end I want to see what this was on top. I think it's marshmallow. It's marshmallow. Go ahead. I liked the first one Would anybody like this other one it's their signature drink for the end of this I'm gonna Have sleep apnea. I mean sometimes we gotta make sacrifices. They're CPAPs. That's all good Is it good is it worth it? Oh? What the fuck it's s'mores Man kind of I don't know there's something really do you have cooties it's like feminine shit in there And I'm not liking that much. I don't know do you want that one? That one's a very light. Whoa. You know this It's in the wrist You're not a coffee pro. Just give it to me. Let me do it. Well, I don't usually get like this kind of shit Oh, we are it's not not that not that it's bad. It's not my thing Mmm, no, no, no, no, I'm delicious. Oh, so cinnamon toast crunch see would you like a straw for it? No, I'm gonna drink my normal coffee. Thank you So you just drink out of those and yep, I try I'm wasteful and say you're a wasteful you're a waste of space Okay, so you guys fight quite often I assume. Oh, yeah, yeah, we're definitely always arguing about money What are you gonna do about it other than yourself? Why don't you just leave? I? Mean I love you somehow find people and there's also a lot of black guys in Dallas, so you'll be doing very well Yeah, yeah, I would say that's more my favorite flavor. Yeah, well Tyler's Face when you walk the bike, so I don't know how well you're gonna do I Don't even know black one. Oh Well one of our black one black to one of black to that's an interesting way to describe them Then then why you call them them because there was two people that you just referred to why would you call me plural Black people them you said thing one thing to I didn't say thing all of that those costs to are not just me That's me supporting an entire other person But you guys don't have to go out to eat you can meal prep Thank you mark, so I'm supposed to do that too because he won't do anything so he won't cook no Then leave him I don't understand I'm not gonna cry for you when you're choosing not to leave put down an ultimatum Do you tell him to do shit? I tell him constantly right? Even then leave him Apparently you have no trouble getting men still blows my mind, but you apparently you have no trouble getting men Well, leave estimating you're underestimating the bad bitch. I I don't know I Have to do what I have to do again life's a compromise what you have to do is be with him Life's a compromise, but you're not compromising. They're not happy you just cheated about the finances right now, right? So like what are we talking about today? I cannot change that today. I'm supposed to just do work on your shopping Does the worst cost money? No, but you guys can separate Break up not the full legal proceedings and then I'm what stuck with ramp by myself potentially is that not better? I guess Or kick him out. I don't know I honestly feel like I feel like he does he not give a shit about this relationship I feel like if we talk to him about the money I think I can convince him that it's cool Like well, yeah, he sounds kind of like a like I feel like he's out. I think he's just he might be a cook I don't know about that. I think he just doesn't give a I think he's done with relationship and it's using you for money No, no, he does nothing is not willing to cook. He's just plays video games Who wants to be a streamer? I mean he's not doing anything listen, but this conversation is more about you and you're the cheating whore Disgusting animal again. I really want that's really bad. It's a business transaction is what it is And you're telling me you never have in the four years you guys have been together. This is the first time you've done it correct That's crazy And use the shoe show as an excuse to come down to do that. I used yeah, that's horrendous. You're a bad person I'm again. Oh, you are a bad person No, you ask permission if you were just trying to do something you and ask permission I'm your husband trying to make ends meet would you prefer that I do only no is that better? No Why is the only woman's option into today's society for anyone under 35 immediate? There's nothing else like money. It is quick money, but you know what else is sales Why aren't you willing to convert this experience into a better paying sales job? They are everywhere. I would even know where to start Okay, I'm on LinkedIn. Huh? LinkedIn and you already knew where to start so The cup open you're not applying you moron I thought that those so that people can like reach out to you they could your LinkedIn probably isn't exciting enough You are going to have to put in the work and you're you got that girl boss energy behind you And for some reason that actually gets people jobs today more than skills. So listen you already got shit going for you I mean, I obviously have a fire skill set which is why I've stayed at the job Well, you are not being rewarded in the marketplace and promotions You're getting like 3% raises from your minimum wage. You're your commission base It's something dollars an hour. You couldn't tell me you asshole at the beginning. So I wouldn't even know what you dumbass Only fans is an option though. I don't know. It's not just only barring from your grandma and being told Well, you told me that actually yeah, how much you yeah, but you're born from grandma Yes, but in a thousand going out to eat like that's kind of disgusting to borrow from a sweet old lady and then spend it all on bullshit Literally rolling in the dough. Okay, you're so borrowing it from her while spending it on Bullshit, I mean She's always been there to like support me financially like she understands like I have Understands what does she know where it's going? You say she's rolling in the dole dough, right? Correct. Why does that all of a sudden make it okay? Why does it make it okay to support your fucking? roll of dough I mean all you're doing is this endlessly making yourself larger every single thing in your life I will absolutely pay her back. I did in the past. It'll when I mean eventually when he gets a job when you get a better job You're doing either of these things. You're not gonna break up with him. You're not gonna do anything You're nothing you're pathetic you take from grandma you blow the money and then you prostitute yourself and cheat behind the husband Like you are an objectively bad person. There is nothing good about you You have you position yourself as here, but you are below everyone else. You're horrible. You're a bad person I have never ever slept with anybody else inside of a relationship Yesterday, so it's already done Correct and again, there's nothing wrong with doing that if it's a girl agreed upon But it wasn't and you did it behind his back and I honestly cannot wait to tell him in the post show But $400 went to additional miscellaneous bullshit. So that's already $1400 out the door other large purchases 1740 a bit half of that at least is bullshit. We just don't know unknown spending We don't know if it's bullshit or not $300 I guarantee you spent about $2,000 $2,250 on bullshit a Bullshit and you're complaining that is not working. Yeah, maybe you can but if there is a budgetary issue where we are borrowing grandma and Ourselves then cut back moron. Why do you have no discipline? Why do you have no ability to actually put your numbers in a Budgeting app like dollar wise and learn what you need to cut back on it would be right there The insights would give it to you it literally lays it out like hey your fat bitch stop spending on this What's the point of having money if I can't spend it on whatever you don't you're borrowing money? Is that that's the disconnect here? I don't know how I don't know how I don't know how how where's the disconnect? I mean you do not have the money you are borrowing Yourself so that's where you do not have money. I agree if you had a little bit of money I'll be okay with you spending a little bit on bullshit, but guess what you don't you're borrowing your So I don't give a it's not if I have money to be able to spend it you don't you're borrowing to spend it Why did she give me a credit card on her account? Oh, I don't know why did you tell me I don't I'm supposed to spend all myself if she gave me a credit card Or is it for life's necessities if you are stuck somewhere and you're running out of gas I mean what's the difference between that and like a tattoo? I mean okay, you are all the same animal listen you've been enabled your entire life I can absolutely tell I can absolutely tell and no one's ever told you that your behavior is bad Has no one in your family ever told you to stop eating? Oh I feel like everybody in my family is kind of fat. Okay. Well, there you go So if you're from a lifestyle of just bad decisions across the board, maybe well my absolutely Yes grandma is so financially like smart that doesn't mean anything You're enablement and everyone making horrible life choices around you is Example why you would equate even something like a tattoo or emergency gas even if you're just being a dumb in that moment It's honestly not completely wrong in your brain It's really not because you have just been enabled and surrounded by bad behavior individuals And that's why you're a disgusting piece of shit I mean in my mind this is better than me spending money on drugs. So okay, so that makes it okay food is your drug You're gonna die at 35 It's really not it's literally just food. You know you are morbidly morbidly obese. How much do you weigh? How much do you weigh? 214 205 Are You sure about that? No you There's not a chance you lying. Let's get to scale Okay, first of all, what is this Howard Stern? No, it's Caleb Springer Yeah, have you seen that where he makes the fat lady girl on the scale you got me up thinking I'm getting on a scale Can't step that high. I'm taller than you are. I know you use the elevator to get up here Actually, I walk the stairs. Thank you very much Wow, is it hard for you to reach each turn You did it. I don't know it's crazy any man. That's like five foot five all this mess five foot nine Okay, that's not what I heard I don't know I've maybe heard that you market yourself as five eight So did you magically grow an extra I don't market myself as five eight. I never have sing. What are you like? You even talking about dude, you're so absolutely stupid. Let's get a scale. Can we get a scale? Let's have someone go get a scale. Let's consider you go buy a scale mark. We need a scale Okay, but I waste money so you are going to spend money on a scale for a bit Yes, that's called the business expense for the content. You fat bitch interesting I'm sorry. I know your line. We're gonna check it. What's your height five foot six? You're objectively not 205 pounds You are 230 you are of the top five fattest people I've ever had in the studio and I trust me about 90% Everyone is fat. There's no way I definitely saw that one couple where he was ginormous I was okay. You're in the top ten of fatness Okay, so surrounded by my life behavior fatness and not here's what happened. I got I got clean, right? I was an addict for yeah, I was an addict a member covering of of You name it you tell me because I wouldn't name it my favorite was like X Okay, but the one that like messed up my life the most was probably like Well, yeah, that would do it. Okay, that one makes sense and to support those habits the thing that you're calling grand mom I think I'm calling where you get paid to have sex. Yes that thing. No, I yeah I was doing that the actual version of that to support it Why are you getting back into it? That doesn't make any sense. I Don't know. I guess I just like I don't feel like what were you doing? Well, what did it actually look like what was happening when so I just celebrated four years clean in January good well done That is actually very good. Thank you. That's actually where I met my husband. Was it my covering? He has six years of No, no, no, we met like no, what was he doing? Oh, oh, yeah, yeah for sure. Okay, and then come down Yeah, wonderful. Anyhoo listen. Um, okay. Well, I'm glad you guys are clean. I'm not knocking on that Obviously, and I'm very proud of you for that and I do not want you to relapse but There's also addiction swaps and I think you may have a food hmm, okay, either way we'll weigh you and Okay, so what were you doing because you aren't going back into that you objectively are I mean that was like literally like staying in like Motel sixes and like flippin tricks all throughout the weekend So how long were you doing that? That's horrible. I would say like the last stick I mean, I was an active addiction for a long time, but oh You're literally doing that again yesterday like on and off for like two years. Oh and how frequent I mean really it was mostly like benders and things like that. So like I Don't know maybe doing it for Thursday Friday Saturday Sunday because those were like when you make money multiple people in a day Yeah Okay. Oh, yeah, that's our engine But going back to that yesterday why why I don't know I guess don't get back into that Also behind your husband's back is horrendous it really is But you can't get back into that life, right? I think I think if we if we did talk about that that would maybe be his thing He's like most disappointed if we did you didn't though you did this behind his back. Okay. I said we talk I'm in the post show. Yeah, if we do listen pause. Okay, the thing is I have to ask this Sorry, I'm not trying to go into sex talk audience. I really not but like this is an important question Asian yesterday raw Yes Come on see and then the husband doesn't know matter STDs STIs behind your husband back that is unless you guys had an agreement again, which you did not yeah, but he's like fancy so Like fancy people don't get these no Do people get STDs STIs all the time and they don't even know it okay But like so many are some people who have like health insurance and stuff like that get like tested regularly first of all No, what what are you talking about? No, you think an Asian in the 60s is just randomly getting tested. No, see married He's not 60 see married. No No, no Again, it's gonna be a team I have to ants ask Did it finish inside? I don't have uterus. So yeah Behind your husband's back that's the stuff more was because it was like that's why I got so much more So are you guys going to today again cuz you're going back tomorrow? Yeah, we're in what is today's gonna cost well, we're supposed to go to a really nice dinner And what is today gonna cost? He was gonna pay off my credit card one of my credit cards That's insane I mean, I'm literally To help with my finances Is this is so I would never advise that one old legal I Don't we don't advise the legal methods to pay off debt. It is illegal That is illegal. I feel like it was just you charge more for a raw load that is illegal That is I wouldn't I would not phrase it that way you did it was more like no you said that's why it cost more Well, yeah, but that's not how the conversation went It wasn't like just like cut and dry like hey if you want to bust in me you got to pay more like it was a little bit more Doesn't change it. I was raised right with the statement raised horribly life is compromised, right? Which means you immediately in a math and you're raised by morbidly obese people like it's horrible your grandma threatens to cut you off all The time when being told Yeah, and she should she should maybe we'll call her in the post show too. He she absolutely should Yeah, I was pretty upset with me for coming on here Why because she said that the show was stupid Oh, it is and then it's gonna be on the internet forever And I'm gonna look like an idiot and I was like why no you look like a piece of shit But also no one's facing any consequences from the show because the internet says it doesn't matter like It doesn't matter. You know she she really wanted to do this. She thought this was done. Well, yeah But either way she's starting to cut you off in general she should she should Are you sure what makes me nervous is you're immediately getting back in the last time you're in You're doing math. Are you sure are you not afraid of this? Crossing that path again towards a relapse. I mean like kind of like I don't know I guess like my mindset like before and now has always been like I'm letting a lame dude hit for free I might as well get paid for it. What that's your husband. Okay, and he's lame. He's Is I agree so leave him or do an ultimatum. I don't know I feel like you complain, but you don't actually give instructions or ultimatums I mean, I don't know how else I can do thousand. I don't under Stand I mean people get lonely and like I'm actually really good company. I'm funny There has to be other he can find there has to be oh Also, we're supposed to go get my nose done again because I get them done every week and I just every week You're bitching about not being able to pay the bills which you get your nails done every year disgusting person Let me see your kid. Let me see your nails. No, they're bad. I bite okay exactly so My nails I stopped biting them not complaining about not being able to pay my bills I'm also not going in for money and getting paid because I'm not proud of my body What do you mean? It's an alive life is a compromise. Why does that? Why is the compromise? There's a lot of compromises in between you view it as prostitution If it wasn't a like a motel room or something like that then so matters where it is Yeah, this right like the circumstances matter like is it a stranger? Is it like in a motel am I getting paid? You know $60 or $2,000 like so if it's more it's better I mean again the circumstances matter like the scenario much you spend a week on nails If budgeting apps make you feel like this is for you most people who struggle with budgeting are Irresponsible they care about their money, but they get overwhelmed every time they look at it They download an app connect their accounts and try tracking but within a few days It feels like a homework assignment. They're failing too many categories too many rules too many red alerts Screaming at them about what they did wrong. So of course they stopped opening it not because they don't care But because it makes them feel worse and here's what nobody talks about the stress isn't common from your spending It's coming from having zero clarity in using tools that turn money into a failing grade If you ever thought I just want to know where my money is going without being judged for it You're not alone That's exactly what we built dollar wise if you want to calm and clear a way to see where your money is going try Dollar wise download the app today and get a three-day free trial no set of nightmare no manual tracking no pressure to be perfect Just connect your accounts see where your money is actually going and decide if it works for you Click below to download down the wise and see if this helps you feel more in control without the stress And if it's not a bit cancel anytime Starbucks is bulls and a waste of money and you already know that by making your coffee at home and investing the rest So now you need to do that with your energy drink as well Make gamer subs at home for just 40 cents of serving and honestly it literally tastes better And we proved this accidentally via a blind taste test in our hammer elite show fat and fatter The number one ranked energy drink is 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 gamer subs Dot gg or click that link in the description below type in code Caleb I don't know am I supposed to know that I feel like I just kind of it would be nice and financial audit if you knew that Sorry, I just keep a card on file. So you're a horrible individual Maybe like you are a pathetically horrible. How much maybe like 300 200 a week And you're bitching about not being able to pay bills. Do you not understand the contradictions here? Do you not understand you spent two thousand two hundred fifty dollars minimum on bullshit? I just literally don't understand the point of me working so hard Okay You're on this show so you're not paying your bills bill being paid is paying off for credit card every single month Listen, you can use the mine card. It's the debit card that builds credit used to be called the fizz card You can use that so that you're not endlessly building these balances back up again, but how much debt do you think you have? I don't know. I thought about debt consolidation. Okay, let's try to give an answer when I say how much do you think? Okay Have a pull teeth for are you like our or just like credit card? Well, do you have a debt on your car? I mean technically yeah, well then yes Then probably like 2015 thousand okay 40,000 40,000 two hundred forty two dollars seventeen cents. I don't think that's right Your income was forty three hundred so pretty close to what that was what you said Zell in 659 where that come from because you're actually your income from your job was only thirty six hundred Thousand less than you say you make on average so much as the cell in Well total amount of cells. I don't know how much that breaks down individually Maybe it was one maybe as many but six hundred fifty nine dollars ninety seven cents Interesting this is for one account because I have an account for all your accounts together Well, I have my like I get like myself from like different like man I've talked to or like you're talking about You said yesterday was your first cheat well, that's like the first one I've slept with one, huh? That's the first time I've slept with one That's not the first time I've like gone out to dinner. I Cannot wait for this phone call you are discussing and I hope he leaves you I really do you're a bad person What do you mean how I've been supporting him so he can do his stupid gamer Streaming whatever there you go. Do you hear that? Do you hear that? So what's the conversation in the house? Are you supporting him so we can achieve that or do you want him to get a shit together because those two are not the same thing? He needs to know or else he won't do shit. I feel like you don't communicate other than just being an upset obnoxious fact. Oh Crazy you're a cunt you're a cunt. Yes, you're mmm Gotcha bitch, correct. Yeah Bitch made for real Anyhoo, I mean I'm yeah if you don't communicate which one are you doing supporting for his dreams? Or do you want to get off his ass? I want to get off his If you're telling him you're supporting him to do that that's not what he's hearing he used to make a hundred thousand dollars a year when we No, are you just missing everything I said you are miscommunicating what you actually want Well, we'll do that in the post show to you dumb bitch You told Colton that any man that doesn't go 5050 on bills doesn't deserve monogamy. You are a disgusting creature Who what we need to imprison you like people like you we need to just imprison you you're just a bad Please I'm glad you got a hysterectomy Yeah, I couldn't imagine what your kids would be like my Because how does it make sense that I'm expected to do everything so a hundred percent of the work is on me But then so the income that came in again was 4,300. What do you think your spending was? Two thousand Is it actually something where people who are morbidly obese which is like 90% of the guests on the show are actually more Is there actually like struggle with getting oxygen in the brain? There's no way you can possibly think that's the number when you come on financial audit It was 5,600 wait like like both bank accounts are just it's all of your account together. I already answered that question Well, sorry. I was confusing. No, it wasn't I mean 6400 spend 4,300 and Okay, I need to do that again do I need to say to God did you process it? No, I didn't 56 56 out 43 in Well, maybe that's negative. Yeah So then why is that my account negative? spending can be undet You like that word a lot. Yes. I do when it applies to you. I'm not being cancelled. Well trust me It's not possible because if it was five years ago calling a fat bitch a fat bitch I'd be cancelled but that I do that every single week. So obviously the internet has moved on from your weird performative Septum piercing communities. You don't like my septum Well, it actually makes you look more like a cow than you do on your normal everyday basis. They're so cute Actually, did you know that doesn't matter? No, I mean I love an edgy no septum piercing. I love making fun of it trust me I'm in and like an edgy woman. Give me some tattoos some piercings. I'm all about it I literally have all like yes, but you're fat and disgusting. Have you seen my $1,300 tattoo? Nope, and nor do I want to because I don't know what kind of skin needs to be revealed for that It's on my thigh. Well, I certainly don't want to see that don't want to see how much hair is there What do you think your financial score is zero ten zero being the absolute worst time being the absolute best like like a six seven No, I'm like a six like a six. Yeah, if you want your hammer financial score get it for free Caleb hammer not calm Just takes a few minutes see where you stand in the world of money You disgust you really do I know I'm being mean, but you're actually just a horrible person You really are it's a man. Well, if you don't want to be like her it's gonna take a lot more than this obviously But download the dollar wise app It's incredible after the new relaunch. It's awesome. Check it out Take the free trial to see if you like a center for the annual version if you do because it saves you a shit ton of money 50% then you get my budget from the cookbook signed by me mailed directly to you and the budget meal plan as well Signed by me mailed directly to you the cookbook goes away at the end of March gone forever. Do you cookbook? Oh, yeah, we did we talked about this. I forgot it makes no sense. I really want to see it You're I want to see the cookbook you are the dumbest person ever Literally, I'm just a girl and you've been yelling at me like I'm just a girl Just working you literally actually don't That's crazy if you break my phone you want to buy me a new one I thought you were gonna catch it because most people this little doesn't even look like you order responses They made you more tan because you're pasty as fuck Are you see your face you look like you go straight now, okay, but I'm like white you Intentionally made yourself look darker. No, I have been flowed depending on where things are also that was the lighting, okay? Oh, okay, 25% Nating okay, well, yeah, literally look white. Okay. I am like 100% Caucasian from the mountains of Caucasus Okay, thank you. I don't know what to do with this information. I don't know I get more tan I get less than I'm sorry I apologize. Maybe sure. I sure other than white because it's kind of like blending in you know Mm-hmm. Well, you're looking at the cookbook. What is this? Oh? Yeah, I know a fruit a Caesar terrified to you Cassini with I don't know. I don't feel like this is like healthy I feel like this is just like bougie. Did you come up with these on your own or did you like we worked with a cook? Okay, there's a chef here in Austin. Yeah, I didn't think we did the budgeting part She's your name help with the recipe cards. No, we did the budgeting part. This is a GB Is there like a h eb stuff budget portion on the groceries? If you use these That's actually like kind of helpful You're such a waste of existence. I cannot stand you. I think it was helpful. Okay in good It's a discover card. Why don't I have a statement instead? I have a picture from your credit report you moron What am I supposed to do with this you? Pathetic excuse of the financial audit that's that's that's that's my grandma's account that she lets me have the card for so like I don't even really know what the balance is. She's good at finances yet She allows to have a balance on a credit card for you Do you make payments or does she know she like pays it off? The payments or does she know she pays it off every month? You're such a horrible person That's what my understanding is so good. Are you on that card? You're an authorized user. Yeah. Yeah. Yeah, that's that's why I pulls up But I don't have you got your tattoo with it your special little tattoo. It's really nice That's who who gets so good though. He did such a good job. It's on my body forever. It was a good investment. It looks good Yep stretch marks and all synchrony. It's on my leg. It's all good Girl, trust me. I've seen my 600-pound life flows my my way ebbs and flows. I've gone up and down a lot I Was like 207 down a lot. I was like 207 a year ago. I swear to God. Okay, so you're not to live now Sure But you said I'm at 205 now. No, you said I know change. Did I said 230? You're not 230 Okay, well, that's to be cool. Oh, I think we actually will know the facts here very soon That's turn mark gets back. I hate that it's your fault. I don't I mean, I don't know what you want me to do Let's see your skinny picture like I care about that. I'm going it's just a little far back by the way. I mean 207 at This is actually me and my husband five is not even great Okay, I mean you were just obese instead of morbidly obese what I was at least then what are you talking about? No, everything looks thin compared to you now No, no, you weren't Are you five six five six two of seven is not smaller than two okay, but I also have titties These titties are heavy. Do you have titties? You know, right that carries some weight. It does hurt my back, too. I think it's you being morbidly open The synchrony card what is going on here with two thousand six hundred seven dollars with an eighty five dollar minimum monthly payment Which takes in nineteen years to pay? Zoom in on that face. No, it's gone. It's actually actually looks like That was crazy looking up from the paper. I feel like you should put those bad On saying, huh? I feel you should put those back on No, no, oh, but yeah, yeah, so That was I like the way your neck sag shakes every time you talk my neck Sag shakes you had a hard time with that sentence. Yes, dude. I should probably cut that. Oh Well embarrassing That's also embarrassing what whatever you're doing so any home so it was LASIK I Which hence why I had glasses in that picture. I don't have no You actually might look better in glasses fat people glasses help. I have really like pretty eyes though You can say a lot of shit you can say a lot of shit, but the eye color I have pretty eyes You have to kind of words there a kind of green. I okay they change but thank you Anyhoo, and then the other one was laser hair mobile great Why are we financing all the shit that doesn't matter when you're bitching about not being able to pay bills? None of this makes sense my priorities make no sense. She's paying for this again. Yeah What the if you ever done anything in your life you spoiled bitch How can you even be upset at your boyfriend for doing nothing when you do nothing? All you do is sit on your ass and make sales. I mean, okay, other than that You've never accomplished anything in your fucking life if he was good I was paying for it at a point in time anything in your life I literally was paying for it when I could and now that I'm supporting you should be able to know what you spend $2225 a month on bullshit minimum you can make an $85 payment Get out Yeah, no because I need like manuals done. Oh you see you are a bad person I really you're disgusting. You're one of the worst people I've ever had on the show. No, and you see I've seen Yeah, your personality is you think you're a bad bitch you're a fat bitch I don't think that those two are like mutually exclusive. I think they can be the same I can be a baddie and a fatty. I mean baddie and a fatty. Yeah, yes, you can be both. What are you talking about? No, no, no, no, no, okay, so other women will tell you yes But that's because they endlessly support each other up front and then tear each other down in science. So you're fat phobic You thought about it. I don't know. I'm not afraid of fat people nor my if you want to do just be fat I mean I would if we came across each other in the street I would never say anything if we were just friends I would never say anything but since you come on financial audit you spend a thousand dollars on food a month I will say it and since I already got permission I will say it and also you are putting strain on your back that you talked about so on the show where we just say everything I will say it when you lie about your weight I will say it when you're somehow getting paid to bang I will say it because that blows my mind honestly and What I'm just mm-hmm. Let's so yes There's many reasons I will say it, but I would ever just say it to a normal person There's no reason to be mean to a normal person about their weight But when you come on the show that is about everything including your life Yes, I will absolutely say it and it is not fat phobic to say being morbidly obese is not healthy that it will cost your health Care more money that you put a strain on our health care system and make health insurance more expensive for all of us Absolutely, I will also it's not fat phobic to say what even is the point of getting your finances on under control If you're gonna die at 40, but you are most likely First of all, I don't have a high blood pressure. I don't have diabetes. I don't have like none of that. No way I swear to God. I'll show you my blood work right now. What work is in blood pressure? Well, I see still there. Let's get him to get a Blood pressure monitor as well as I've never had high blood pressure not once and I just went to the doctor Okay, any who okay, so does that I have a question? No, you just ask me if I was fat phobic. I'm not okay So I don't care what people are doing, but on the show. I'm also not just gonna be like the all-huggy-huggies No, it's bad. You shouldn't be morbidly obese. I shouldn't be obese So what I'm gathering from this is that maybe prefer twinks to bears. I if I was into men. Yes, I would probably go more twink I assume. Oh, you're not I'm not No, I don't believe you I'm not I mean I thought do you watch the show? I've told many times how I thought I was buying college But I found out just I like vagina. I don't think that's how that works I feel like if you don't want to dismiss my lived experience No, I just feel like there's a possibility you're more on the scale than you realize which is all good I wouldn't care if I was by or again. I wouldn't give a shit. I like women too. It's all good for you I don't know why your life is applicable to mine. It's not I'm just saying it's all good to like both It is I don't care colds is the gayest man. I've ever met. He's right there. I don't give a shit I'm like, what do you say fuck me? I don't care if I was gay. I wouldn't care. Yeah, we were vibing. Yes That white women gay men they get along who else do huh? Who else goes along with me black men? There it is There it is Trivia fat trivia. Okay, so she pays for this you don't I paid for there is deferred interest of a thousand dollars And that is gonna hit in oh two months. Oh $1000 of deferred interest that's your grandma. She's gonna get them this. What does that mean? Oh Is your grandma is her credit impacted by this? Oh She just make the payments. I think I think it's mine. I think it's all my just yours But he helps she helps pay. Yeah. Yeah, well if you don't pay her if you don't pay $2,607 in two months. Oh, sorry one month I forgot it is on March. Oh You'll have about a thousand five hundred at that point that will just be added to the card That is interest that has been accruing but it's not hitting it would not hit if you paid it off before that a month from now But if you don't it's gonna hit in your oh, I don't know it was like her gift to me Her gift is you opening a credit card that doesn't make sense No, like she's gonna pay off the 40 if you're gonna pay off the 2600 in a month probably She has to or else the interest is done your Your it'll all of a sudden be sent to $4,000 You're about this is there a committee that assembles that you are reported to no I just remember like when we did it they were like oh because you have so-and-so insurance you get 18 months of interest free if You know like yeah, and you have to pay it off It hasn't 18 months. I don't know man. I don't know all I know is it hits in a month Interesting okay, well, I guess I should call them The guy again Maybe stand extra day what the fuck I just don't understand you you that is disgusting that mentality is disgusting Okay, I have a 401k. I've never had 401k's this early into conversation So that has to mean you have a private have a loan or you would drew from it. What did you do? I did alone I only pulled out two grand because I wasn't working now You can't leave your job because that'll be called do immediately. You'll have to sell from your 401k kind of well Let's see Not really. It's just halfway. Oh Well, yeah, okay, let's bring them in What are you really gonna make me step on a scale? Yes? I think you should too. Okay. I will happily here it is If it can even count that high. Oh my god spare me Do I take but do I get to take my shoes off or do we like are we gonna make a difference? They always do on my 600 pound life. They like take their wallet out. That's that's what's gonna do it. Is it on is it good? Yes, hmm. What nothing. No, don't vape do not vape You already have enough problems and you will not vape in this room with me. No, no, no, no, no, no vaping But I do not consent to your cancer air I don't like exhale it. I just hold it in that way. It doesn't get out No, she's not vaping her lungs are already you're gonna die. No, I don't consent to it I will sue you. I will sue you dead ass. I will sue you. I will sue you get up on stand on a scale. Oh Oh Oh The enemy is being reinforced with a dreadmort Oh, bro Oh 260 Yeah, yeah by point one Your five six, uh-huh. This isn't even highest I've ever been That's not a good thing Oh, let's keep that in the studio. We keep getting fat people in here watch You'll have me back like one day and I'll like have lost the weight and you're gonna be like wow good job So proud of you. I hope you don't I want you to lose weight. What the f*** you think I'm like anti you? I'm not just like you're working on it. You you added a hundred pounds. Nope. Wait in that picture Well, yeah, 60 pounds. It's on I'm on a medication that causes weight gain Listen, you look up the effects of sarac will okay. I'm barely obese. I will admit that But I've learned some things here ladies and gentlemen in BMI. I've just been educated I'm considered morbidly obese. I know no I've looked no you're actually not. Oh, it's worse Death death bed bro BMI first of all is 42 That's insane if anyone knows anything about BMI. That's actually Insane pause number two I am so excited for you guys to finally get your hands on what I've been working on for a year the brand new dollar wise budgeting app and listen I get it the first iteration was a disaster many reasons from working with an external agency to s*** infrastructure that I could use but Let's be honest That was on me. So I put my money where my mouth is and after investing millions of dollars in hiring dozens of people We've completely rebuilt dollar wise and it is truly Incredible and to celebrate I am giving you some insane deals to sign up for the first time Or trying it again after you used the shitty version last year But these deals only last through March 31st and then they're gone forever Download now take your free trial to test it out and get the monthly plan at a 33% discount for three months Or take the annual plan for an insane 50% discount and with the annual you get my budget friendly cookbook signed by me and my brand new 30-day detailed budget meal plans signed by me as well Both of them mailed directly to you but after March 31st the cookbook is gone forever So this is literally your last chance to get it. Don't miss this opportunity of a lifetime Download dollar wise and start your free trial go to dollar wise.com or click those links below Good morning I've been looking forward to this for the last year and a half once in a blue moon a game changing paradigm shift Takes the industry by storm Financial audit has changed youtube forever and dollar wise is about to alter the future of personal finances below it Ladies and gentlemen, it is my pleasure to introduce the next big thing in budgeting What are we doing here guys, what are we doing here? What are we doing here? What is What are we doing? Caleb Caleb Can you show them the new dollar wise logo? Introducing dollar wise reimagined Dollar wise rewrite your money store The old dollar wise is dead Overweight stops at 29.9 and then there's obesity class one I didn't know what there were classes of obesity because that's where I end I didn't know it upgrades with like a skill tree right obesity class two exists Fantastic, but you're not that Oh my god, you're in morbid morbidly obese You're in obesity class three something I didn't even know existed which is 40 plus and you are 42 I don't know how much you need to weigh to be in normal ways What yeah, you're fat what what do you want used to be worse easy way 340 good okay like wonderful. I don't know you You're you're unhealthy. I don't know what do you want from me? Yes, I'm glad you don't do math anymore. I'm glad you're not 340. I don't know. Oh man. I could lose hallowed if I did some math though So quickly were you skinny? Hell yeah, you want to see I can try and find one. Okay, sure fine. Yeah, you want to show me every era of you But isn't it great by the way, you should weigh 145 pounds that's not even that's stupid. Yep. That's actually that's actually at the top I'm good with 180 You'll probably be considered like oh for a weight maybe level one obese. I don't I don't know I feel like some of that is um, it's stupid Huh, some of it's dumb BMI is not perfect. It doesn't include muscle. It doesn't include titties. So it's not perfect But you are morbidly morbidly obese. I do lose my titties morbidly morbid obese Class three I don't know if there's such thing as class four Because I didn't even know there was a class two Yeah, is this financial audit or fatty audit fatty audit right now clearly. It's whatever the f*** I want it to be Welcome to the channel called Caleb hammer. I've never done anything like bad, you know, like yeah Math treating on your husband yesterday Yeah, at least you've never done anything bad. What the f*** is she talking is she she's this delusional completely abuse your grandma's financial situation Is the saloo Never heard that. That's cute. No, you're just making fake words rhyme with fake. No, it's literally I think the lulu is the saloo Yeah in your community where you excuse each other for making horrible decisions on how many times he said that this episode Uh, hopefully at least 20 plus because she is the worst person I've ever met and she deserves it Okay, here. Let me catch up with the other word you deserve Actually, it's a wonderful word and you are a definition of a Capital one. Oh, yeah, are you finding me met out whore? No, I don't want to look for it. Good. I don't give a f*** I guess I'm just trying to get to the phone call with you two because that's what I need You guys to marriage to add him leaving you or leave you leaving him I just don't understand how I'm the bad person when like, okay, you can go out there and hit your vape I'm being told you need to hit your vape. I'm being told you're throwing f***ing panic signs because Go out there and hit your f***ing vape. You disgusting Animal maybe if you yell you're so you are the worst. Oh my gosh. Am I on something this episode chat or is she actually one of the worst people Oh, you're just such a bad person. I don't f*** cheaters Brandon come over here Run over here and run run run before she comes back Am I being too? I'm sorry. You have to sit in that. See how warm is it? It's toasty. Jesus. Is this not one of the most disgusting? Or sorry Horrible people. Did you see the photo I just sent you? She's built like the hunchback Uh, no, you're not being too hard. Okay. She's fat and disgusting Well, and she's a bad person Yes, she's like one of the worst people ever. She's like me on steroids. Yeah, but at least people understand you. Okay. Thank you She's gross Well, at least Brandon's on ozampic. I should be My goodness, how was your ripping? ripping the vape Do you need a mint? No Yeah, I heard you're not a fan Are you scared of them or what? I don't like do they make you uncomfortable mint? Who doesn't like the sense of that? You spent 200 me Moron you spent 250 dollars and 82 cents on here What on the capital one card you spent 250 dollars and 82 cents last month Even though you only paid 125 towards it you have maxed it out close to 800 Well interest is accruing. Why are you spending on a credit card that you cannot pay off? That is a growing interest. Oh, I had to get vapes You are the worst person ever. Yes, it is. It's vapor 134 dollars a vapor Well, uh toll road as well in a rent the car you're renting a car Oh, yeah, I got a raccoon right in front of my car and it messed it up So I had to get a rental it was crazy. It was the biggest raccoon I've ever seen in my life Bro, you are something that's a little wrong with you Something is I do not understand this must be What a firm Clarna I think oh clarna for vivid seats your The poor people sat next to you. Did you buy two you should be required to buy two I've sat next to a morbid morbid leo bees person in a concert. It's not fair. Well, those aren't concerts It's not fair. It is like an airline. Do you buy two seats? Yeah, but those are First of all, it's american airlines and dollars. They're she's so big anyway. I've not big enough No, think of the person next to you want to go together and we can be considerate We can go together and you can see no be considerate the people next to you now I want to feel your warmth. I sit on the edge anyway. Yeah, but someone still has to sit next to you on the other side My husband or man. Okay. So vivid seats. What did you do? Those are all There's multiple vivid. Yeah, those are all mavericks games basketball games. Oh, did you buy the seat next to you? Yeah for my husband and the other one No, we're on the end. Oh, you always buy the end. Okay. Good. At least you're just strategic about it because my I don't know how and we always get good seats too. I don't want to say That's really good. Well, because you can't afford your bills. You're crying about it And yeah, oh, I gotta give my good Dallas mavericks seats. I don't think I'm crying Like it's fine. It's just money. You are about the guy not stepping up. It's okay. Oh, well, I mean, yeah But I took him to a mavericks game. So it's like you're welcome. You know, yeah three more Those are just the ones I'm still making payments on We were gonna buy season tickets, but you're a bad person You don't like the mavericks. I don't care. Why basketball is great. Okay. Good. I'm I don't live in Dallas I'm all about the experiences. You know what I mean? Like buying cruises and buying tickets Yeah, experience is like losing the roof over your head soon enough. No, I got it. 400 soon enough $481.40 with a $120 and 35 cent minimum monthly payment Yes, I'm paying them off with like no, oh no, wait, they might have interest Yeah, yes $21 of interest is a queen. Okay, slay. Okay slay. I mean like what's like If I can't afford it at once then I can put it in I can put it in payments I'm like putting it in payments is like not really spending the money right then make that make sense It's great then it's not girl math. It is you being a spoiled bitch your entire life learning only bad behavior I mean, it's also I'm being told buying sex toys that your husband doesn't know about Find his back. Why? Well, you know how I'm like an addict Right. Yes. Well, there are such things as substitutions And I have definitely switched to the sex addiction side not the food Well, I mean you do a skidding when you're on math then you got morbidly Well, because when I'm on math what I'm doing is like And Smoking that's it Oh, yeah, yeah, yeah, it was a little okay. Well, why'd you have to hide this from him? Um, he's just like not really like a big fan of using sex toys like wow then he's gonna feel great about you using another man Yesterday, he just feels like it's like it's me saying that he's not good But like he's not understanding like not everyone this phone calls gonna be crazy Not everyone can like, you know just from that like some of us need extra help. Yeah, that's fine But having to hide it's weird man Well, I just didn't want him to only spend money on it because it's like why are you spending money when I'm here? But I got like five There's nothing wrong with toys, but it's because I would like see ads like on like on social media for like Oh, this one and everyone's talking about yeah Like like like the lemon and stuff like that. Yeah Okay, there's so many different algorithms. Yeah. Yeah, okay. You put pain in four. Whoa. Whoa. Whoa. What account is this? That's chase. So chase has pain for well chase pain for you're doing italian cafe Yeah, dorado nails nails pinstack Vaping you're paying for vaping. You are the worst creature born to this earth. At least Amazon Amazon shut the f*** up Luigi's cafe again vape Yeah, tom tom When I got some bullshit, what the f*** I don't even know the balance of this Um, I can pull it up if you'd like it as it'll be real quick It's gonna be about 500 because that's the most okay 500 dollars. Okay, you don't have to look 500 Already did it. It's 3 23. I paid off some of it 3 23. Yeah, until you use it again because that's what happens with paying for Okay, minimum the payment is probably 80 bucks 75 cents in beast Almost freedom shut the f*** up freedom I don't even want to hear you talk. I'm so done with you. I really am you're just a bad person I need to not like bad people like objectively bad people morals are subjective, but you're a bad person Okay, so we're not going to talk about all the good things I do. What do you do? That's good. I volunteer. Thank you very much I feed to the homeless and Feeding the homeless. Are you sure you're not sneaking bites? I mean, I did take a hot dog, but it was like my friend's hot dog Freedom card 424 dollars 67 cents with a 40 dollar minimum to payment over a year to pay off You're spending more than you put towards it. You only made the minimum to payment and then you spent 75 Dollars what is wrong with you? I didn't have the money and I needed to buy something. What did you need to buy? Let's find out. Okay. She needed to buy Well PayPal use this on PayPal. Wait, what I can't even tell 19 dollars as well on PayPal. I don't know that's what you Used it for can I look at it? Sure. It's going to say PayPal. Yeah, but One did I PayPal something? Is this income or out? Wow? Yeah, you learned so much looking at it, didn't you I paid something a firm 341 dollars 35 cents American Airlines to wear not the Austin Where'd you go for what American Airlines on a firm you absolutely? Okay, okay, okay. So what happened was I went to a music festival last September it was a really great music festival and My sister and I decided to finance it and my grandma sent me the money to pay off the airline tickets But I needed cash. I didn't pay it off You're such a bad person. You're such a bad person. That's debatable You are such a bad person. It's not debatable. You are a volunteer rehab grandma. That's fine. I don't give a f*** what you do That doesn't excuse all your bad behavior abusing your grandma. These are just like Eating on your husband shut the f*** up 241 dollars 35 cents still owed on this with the 68 dollar 28 cent minimums of the payment You are a bad person. You were disgusting. Shut up. I'm done with you And society should be as well. Oh good. Here we go. Let's let's get all tough. Let's get some all too. Yeah I mean you are cake to death. So first of all not even it's beat. Thank you. It's what it's beat girl I can see every Makeup just absolute crater and dimple you are caked caked caked caked. That's normal. It's called texture Dude, I can see your pores. Yes. I'm not wearing makeup. Okay. So what I'm supposed to just not wear makeup because my face isn't Or just wear good makeup or uh look good It doesn't look good. No, it's literally it's so nice. No, it looks horrible You owe three oh four on this and yes, I'm being mean to you because you're a piece of sh** So I feel like I'm okay with it 304 and 96 is owed on altar Clearly all for just this one cakeing and then 30 dollars is your monthly payment takes a year to pay off and interest is occurring What were you gonna say you beast? It's perfume. That's mostly because perfume is expensive It's like a hundred dollars. So it makes more sense to smell like a woman at the same time Um, this is raw flooring. Thank you very much. Yeah, you smell like an old woman. That's the thing here The fact is I went into old people's houses when I One old person house when I was considering buying a house And it smelled like you you smell like an old person. I disagree. Um, nope But that balance actually used to be so much worse and I did a really good job. Okay, so You're not paying it off. You're still spending money on all this I don't give a sh** you still have a balance that is agreeing and just so you're spending money other places instead of paying it off Okay, nfm That one's good. I did good with that one. What do you mean? I mean, you'll bounce you only make your payment But it's no interest. It's no interest because I did like the thing for blah blah blah blah Um, I got a mirror for my room Like our Like our bedroom how big it's like really big and it has like a light on it. It's really nice I just needed to make sure so you don't have to buy multiple 200 and okay. No, you're getting insurance premiums on this That's a fatty joke. I'm gonna give you credit. That's kind of funny. Not even making jokes. You're just you discussed me 300 or 245 dollars and 65 cents So down here with 17 dollars a month being owed Three years to pay off you're having insurance premiums hit it out of like credit protection fees So it's not like nothing's happening and let's see. We do have interest on here. Well, you mean it's no interest I'm having interest you've had 130 13 dollars, but isn't it like deferred or some sh**? I swear to god. It's supposed to be no interest Please don't yell at me. No. No interest is sitting. No You have no idea what you're talking about. I like 15 percent Oh, what is this? Why do you owe it to an apartment 8891 dollars? Oh my god Crack the tub There's another one that you're gonna see here that you may want to okay. How would you answer about this one? It was absolutely real too infested and I left in less than 30 or we left in less than 30 days because it was disgusting And I'm not gonna live there. Okay. Well now you're facing the consequences instead of doing it the right way I refuse paying I mean every sign the contract. I'm not gonna ever pay that will hit your collections It'll be gone in a few years Well seven and that's if they don't actually sue you for it, which they can and that's a balance that might be worth suing for Yes Wait what? It has happened in the show people can't get sued and taken to court They they called me like a while back and like they never did anything But they still might that is a balance worth small claims Emhoes that's bullsh**. Okay. Sure. I agree. It's not great. It doesn't mean it's not real though but I tried to like get a lawyer and the lawyer was like, well, it'll be like $7,000 and you might not win Yes, so it's like, okay, then I know 14 000 Yes Yeah, so I feel like just if I don't think about it. It's like not how that works That's gonna impact your credit going forward. What is this? Interested as a crew and in a balance to have nine or three thousand nine hundred ninety eight dollars So that was the first department that we were at. She's so two apartments. She owes to I can't explain Oh, you are such a bad person. No, I can explain. You are such a piece of shit. Yeah, I explain go ahead It was like a really really of apartment in downtown Dallas and like we just couldn't really afford it So we were gonna. First of all, why would you live in downtown Dallas? There's absolutely nothing It is the worst downtown I've been to in my entire life by far. It's not even close. What? Trimmon, what? It's horrible. It's dead. Nothing happens unless you specifically live next to the park that goes over the highway Uh, what Clyde Warren? Yes We only area that is halfway decent uptown is wonderful. We weren't design district Which is like bougie and then it's right. I went around there still there's nobody there Nothing was happening next to the gayborhood like I was in the I was in the spot. Nothing happens there downtown Dallas is the worst Downtown it was the rooms were like huge and it was just like wonderful Why do you all want to dumb bitch? It doesn't matter because we couldn't we felt like okay. You're a bad person We couldn't afford it. You're a bad person and then we moved into the road and we got you're a bad person What were we supposed to do? You're a bad person not sign an apartment. You can't afford a bad person God would not want to live under you. But you want to be under me? No Not at all Not at all nfm nfm nfm not me You're Not a chance. It's okay. It's not something I'd ever consider. I can be this baby. Certainly not worth $2,000 I'd pay $2,000 to get you the f*** out of this door um I'm open Uh, no, I only have a few minutes left and then I get to stop talking to you piece of shit Okay, bail is gone away. How many heart attacks did you have what's happening? So I have to get pain management procedures for my back a lot. Yeah lose weight It's not great weight related. I asked okay when I was 205. I still had f***ing back problems Oh, yeah 205 you're obese. My discs are gone. My f***ing yeah, what do you think happens with fat people, dude? Your back hurts Even if it's not only because of that it's making it worse any who oh my f*** you're not even willing to That's why it's not fat phobic We need to stop being dumbasses and not willing to have real conversations And then you had to go to the hospital for it. Why do you think my health insurance is so expensive because of you? Oh, what this is from a weight loss clinic. Did you peep that? This is surgical weight loss management Wonderful proud of you. All I know is you owe in medical bills only 389.76 cents. I don't know why you're not paying them. Oh, no, there's way more than that friend Okay, well, that's what I have here. So in those documents. Oh those are your minimums Yeah friend, that's the payment Oh 389.676 is your minimum On hold the f*** on One of these is like a couple thousand hold on Okay, I have it I have it I have it I found it I found it I already did it's right here Okay, is it like a 3,401 dollars and eight uh in 10 dollars are in 81 cents minimums the payment 389 I do have the money payment plan and I have been making us of 389. I do make my payments on it myself Oh, wow, what a big girl Okay, hondi How do you fit in this? What is it? It's a 2023 hondi sonata Oh, I got a brand new yikes. Okay. All right. Actually what had happened was I got into an accident Am I that's so interesting? My mom's husband didn't put full coverage on my car Yeah, put it on his and I was irresponsible Because he wanted to do it and he only put full coverage on his and not on mine This is worth 16,000 you actually have an equity position of a couple thousand bucks, but you owe 14,546 36 cents minimum monthly payment 373.55 cents with your interest rate What's your interest rate asshole, I don't know I know it's low my grandma cosigned. Oh good grandma for the save again He's Brat $772 in your checking account door dashing chick filet Okay Chili's Selling out money nail bar $129 there doubt you got groceries. So you got some bullshit from walmart probably door dashing Rock coffee bullshit starbucks The starbucks paid for the olympics. Well, that's connect. Oh, oh, that's um the little we have like a little cafe Something downstairs Oh great Dutch bros rock wall Luigi's Italian cafe you're obsessed with that place Apple cash sent out salt grass taco casa Starbucks There's a fashion place again, and there you go the downstairs cafe the downstairs cafe Alamo draft house. Oh, no. Do I care? Alamo draft house amazon alamo amazon Zell and i'm on is on our money door dashing charlie's Starbucks Cash app cash at 50 bucks 50 bucks Oh, oh, sam buka starbucks lala land you are so predictable. Oh, lala's so good pancake house Maybe yeah, oh, it's gory ash wendy's taco bell Oh your grandma makes your car payment Yeah, you are i'm so done with you and i never want someone like you on the show again You're just such a horrible individual And you're a bishut the f*** up 14 that shut the f*** up 14 000 in this retirement account Shut the f*** up. Hey, but that's so good right? Individual for your age. No, it's not well. I've only been at the job six years for your age. No, it's not math is math is math is math I don't give a f***. I'm so excited to call this guy and expose your ass you f*** Horrendous creature the fact you don't even care about it just suggesting That's why you're actually letting us it's kind of crazy 4500 comes in. What's your portion or what's rent? 21 you pay it or just grandma I know I pay it you can't afford 21 you need a one bed cheap place somewhere you can get it I believe in you Utilities plus internet how much my internet's 80 My electric is like 120 Anything else is there gas no k 200 phone bill um, it's like 350 Me when you pay off your phone switch the helium if t-mobile's gonna dial switch I assume it is using the same towers. I'm paying for like my parents. Stop. You're poor. Stop switch the helium 15 bucks a line So gas room from drive drive. I'm sure yours takes a bit more How much for gas room from drive drive you got too many adjectives. I don't know what you were saying Maybe like $40 a month like doubt it. Okay, whatever car insurance. Okay, 70 car insurance. I don't know. I don't pay it. Who does Your grandpa grandma you you are disgusting. I hate you I think groceries for the household. He doesn't have money 600 meal prep meal plan used cookbook and used our meal plan Which you guys can get with the annual version of the dollar wise budgeting apps The only way to get it signed by me mailed directly to you tp fund anything else that exists For the house I guess because you have to take care of that 200 bucks medical health care their co-pays or the shit Yeah, yeah, how much how much? um I mean i'm seeing a therapist. I cry just every week how much Uh, 210 Okay, 210 Your debtman is your famous. So i'm not including the car Right correct, but medical you're paying yourself like a big girl Yes, oh my i'm so I don't know how do you exist I don't know. I can't tell when you're just like thinking out loud when you're talking to me Well when I ask a question It's to you everything you say sounds like a question not true 787 dollars 86 cents The minimums you have to take care of subscriptions. I'll try 40 f pets Yes, sake what? There's just two cats $100 pet insurance how much for cat food? Oh, they're expensive. It's like 60 a month You're I mean there's not gonna be anything to survive and I have no Care whether or not you honestly can make it or not. I don't even want to give advice You're just such a bad person Yeah, I mean you actually for what it's worth. You're only underwater by 317 dollars. So yes, he needs to go get a job. You need to get a better job I mean that's it if he shut up for a second He needs to get a job or you break up But either way regardless doesn't matter go get a better job You'll make an extra 2,000 hours a month and that can actually start paying off some of this And then you'll be fine in a couple years and you'll be you can catch up on retirement. That's it. I'm done We're calling me in the boat show. There's such a waste of time waste of space Let's get your hammer financial score spending in a budget. You overspend zero out of 10 debt. You have No collections, but this is horrible and your grandma's taking care of everything one out of 10 emergency finance Anything that's even zero out of 10 retirement. Well, you have leverage against that. You're behind free age Not great three out of 10 or the state zero out of 10 Hammer financial score. Thank you. You are a one out of 10 rounded up get yours at galehammer.com I click join join hammer leaf the best membership on youtube with three premium shows posted every single day Monday Tuesday once a thursday friday saturday and join us for the boat show. It is gonna be incredible Thank you. Hey, babe. I'm trying to call you all morning. What's up? Um, I've been Busy I had a thing to do a thing to do. Okay. She's not telling you so I will she had an asian man Her and her raw you cheated bitch, babe. I don't feel like it was cheating because It was like a business transaction. Oh my god. You were such a lie You know what bro? This is the last week don't forget to download the new dollar wise budgeting app This is officially now the best budgeting app on the market And I'm giving you a special deal to download but only through march 31st Take a free three day trial to test it out and then you get the monthly plan at a 33 discount for the first three months Or the annual plan at an insane 50 discount And with the annual you get my budget friendly cookbook and my brand new 30 day detailed budget meal plan signed by me and mailed directly to you After march 31st the cookbook is going away forever. So this is literally your last chance Don't miss the opportunity of a lifetime download dollar wise to start your free trial go to dollar wise.com or click the link below