Failed OF E-Girl Is A Leech | Financial Audit

Summary

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Episode Overview

Podcast: Financial Audit
Host: Caleb Hammer
Guest: "Brynn" (25, San Antonio, Texas, pseudonym)
Episode Title: Failed OF E-Girl Is A Leech | Financial Audit
Date: November 1, 2024

Main Theme:
This episode offers a raw, sometimes chaotic, personal financial audit of Brynn, a 25-year-old living with her mother and struggling with poor health, toxic relationships, streaming career burnout, and a web of debt and poor financial habits. Caleb delivers his signature mix of blunt honesty, sarcasm, and tough-love financial advice—ranging from practical suggestions about resumes and debt consolidation, to broader discussions about mental health, personal agency, and systemic challenges.

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Key Discussion Points & Insights

1. Brynn’s Financial and Personal Circumstances

• Income:
  • Currently makes ~$200/month on a good month (OnlyFans, some Twitch).
    • "[Right now I'm making around $200 on a good month.]" (05:13, Brynn)
  • Has not consistently streamed or posted content due to health and mental burnout.
• Living Situation:
  • Lives with her mother in San Antonio.
  • Has a boyfriend (also unemployed) who recently moved in.
• Support System:
  • Heavily reliant on her mother for living expenses and financial bailouts.
  • Mother also enables her spending for small luxuries and video game/streaming purchases.

2. Health Issues and Impacts on Work

• Physical Health:

  • Collapsed lung due to smoking/vaping, ongoing dental emergencies due to genetic issues, seizures (mitral valve condition), severe caffeine addiction.
    • "My teeth are severely decayed due to a genetic issue... I can't do... I have a specific issue where the dentine... gets broken down at an extremely fast rate." (02:40, Brynn)
    • "I've been smoking since I was 13." (04:14, Brynn)

• Mental Health:

  • Diagnosed with BPD, PTSD, ARFID, anxiety, anger issues.
  • Struggles with severe anxiety around medical professionals, which blocks her from seeking therapy and disability.

• On Quitting Smoking:

  • Attempted nicotine patches and gum but had allergic reactions, unable to use them.

• On Disability:

  • Knows she would qualify but feels guilty or undeserving, seeing it as taking advantage. Caleb pushes back:
    • "Listen, if you cannot operate because your body won’t allow you, then you just need to get on disability. It’s meant for people like that.” (15:33, Caleb)

3. Toxic Relationships and Emotional Baggage

• Mother:
  • Both a source of support and an enabler; resists Brynn’s attempts at independence, discourages her from working due to health worries.
• Boyfriend:
  • Also unemployed, contributes little, and causes drama and additional stress.
    • "Why is he your boyfriend then? Well, probably because you make $200 a month and need someone to survive." (06:42, Caleb)
• History of Toxic/Abusive Romantic & Professional Relationships:
  • Past relationships (personal and professional, esp. in streaming community) have led to social rumor-mongering, isolation, and contributing to her debt.
  • Survived domestic abuse which left her with extra financial burdens (shared pets, accumulated debt).

4. Debt and Overspending

• Current Debts:

  • Car loan (repo’d; $5,836 in collections, originally $27k).
  • Medical debt (ranging into thousands, recent bills from lung collapse just arriving).
  • Credit cards in collections (Citibank, Capital One, etc.)
  • Payday-type loan (Fig Loans).
  • Vet bills: Owes ~$1,400, now paid down to a few hundred.
  • Toll road debts, small but snowballed via penalties.
  • Old Care Credit for now-deceased cat ($1,600 in collections).

• Spending Habits:

  • Spends regularly on gaming (cosmetics, battle passes), food delivery, convenience, energy/caffeine, cigarettes, and subscription services like YouTube Premium/Hulu.
  • Outspends income by hundreds each month—mother and cash app borrowing plug the hole.

• Financial Literacy Issues:

  • Lacks understanding of basic loan terms, tax/collection laws, and legal consumer rights.
  • Submits an outdated, problematic resume, which hinders her job prospects.
    • "This is the worst resume I've ever seen in my life." (27:17, Caleb)

5. Failed Streaming/Cam Career & Attempts at Earning

• Online Earnings:
  • OnlyFans pulls in <$200/month, never more than $500-$600 in best months; never cross-sold from Twitch.
  • Twitch streaming previously earned ~$3,000/mo but quit due to drama, toxic environment, and public false allegations.
    • "I had a really, really bad mental toll from the streaming because of the type of environment it was.” (07:18, Brynn)
• Attempting to Reenter Workforce:
  • Has not landed a job, partly due to resume and lack of work history longevity.
  • Plans to try fast food/service work but mother resists due to health fear.
  • Pursuing a food handler certificate as a possible way in.

6. Enabling & the Cycle of Dependency

• Mother’s Role:

  • Regularly gives Brynn cash, pays bills for her, supports both her and her boyfriend.
  • "My mother enables." recurring theme.

• Self-Awareness vs. Change:

  • Brynn admits to being enabled, expresses frustration with her own inaction, cycles between resignation, guilt, and desire for change.
    • "I've kind of been at a point where it's just like I'm kind of just existing. And that's the whole point of me wanting to do this is I don't want to do that anymore." (50:44, Brynn)

7. Caleb’s Recommendations & Advice

• Immediate Actions:
  • Fix the resume: Shorten, clarify, don’t list <1 month jobs.
  • Pursue therapy (even online/out-of-network if needed), push for mental health services that can help reduce medical avoidance.
  • Seriously consider going on disability, given her inability to work 40 hours.
  • Apply for entry-level jobs, but set expectations around ability to work due to health.
  • Take advantage of financial education resources (gets free access via show).
  • Budget strictly; cut all unnecessary/non-essential spending/subscriptions.
  • Consider liquidating any unused assets (e.g. motorcycle).
• Longer-Term/Macro:
  • Focus on self-agency: "At the end of the day, I've made these choices, and at the end of the day, these choices were made by me."
  • Accept some debts may go unpaid/"rot off" due to her situation—prioritize survival, health, and a long-term plan.

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Notable Quotes & Memorable Moments

• On Enabling:

  • "Unfortunately, my mother enables." (00:18, Brynn; recurring)
  • "You're taking advantage of your mom right now. Someone who can't afford to patch a thing on their roof.” (72:20, Caleb)

• On the Cycle of Streaming/OnlyFans:

  • "Easy. Passive income. That's what you have to understand." (43:17, Brynn)
  • "It’s passive. Yeah. It’s passive." (10:54, Brynn, on OnlyFans income)

• On Resume & Job Prospects:

  • "This is the worst resume I’ve ever seen in my life." (27:17, Caleb)
  • "Don’t show the jobs that you worked at for a month.” (28:05, Caleb)

• On Financial Self-Sabotage:

  • "How do you spend a thousand dollars if you make two hundred?" (48:03, Caleb)
  • "Because I know so. A lot of what I spend on the games, I take that out of my OnlyFans money..." (51:37, Brynn)
  • "Why do you buy energy drinks one at a time at 7-11?” (59:02, Caleb)

• On Mental Health/Responsibility:

  • "It's my fault." (58:39, Brynn)

• On Disability & Work:

  • "I don't want to be one of those people who take advantage." (72:22, Brynn)
  • “If you literally cannot survive, that might be a thing [disability].” (76:31, Caleb)

• On Mom's Home:

  • "Why are we listening to our mom for advice if she’s... not getting insurance on their property?" (56:17, Caleb)

• Dark Humor/Levity:

  • "Are you saying I'm a vampire?" (18:13, Brynn, after Caleb notes her pallor)
  • "I sparkle like a diamond. I don't know what you're talking about." (34:59, Brynn)
  • "The teeth are starting to line up with the accent. Don't do that." (52:54, Caleb)

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Important Segment Timestamps

• Intro to Current Income Situation: 00:08 – 01:24
• Health History and Smoking: 01:41 – 05:02
• Streaming/OnlyFans Career Arc: 06:05 – 10:49
• Toxic Relationships and Allegations: 07:28 – 09:48
• Dependency on Mother and Boyfriend: 11:02 – 14:09
• Application for Disability/Barriers: 15:26 – 16:13
• Car Repo and Loan Breakdown: 19:41 – 21:43, 41:22–42:24
• Credit Card/Consumer Debt: 31:10 – 33:32
• Vet/Pet Debt: 35:10 – 37:04
• Medical Debt Arrival and Avoidance: 38:00 – 39:01, 45:39 – 45:59
• Monthly Budget Review & Overspending: 47:44 – 52:20
• Mother’s Enabling Pattern: 53:01 – 53:10, recurring
• Discussion of Home Disrepair, Family Trauma: 55:04 – 57:10
• Emotional Accountability & Seeking Change: 57:34 – 58:44
• Caffeine Addiction and Self neglect: 59:02 – 60:38
• Dental Catastrophe & Pain: 60:39 – 62:01, 64:25 – 65:34
• Assessing Disability vs. Work: 71:00 – 73:14
• Therapy Barriers and Recommendations: 75:55 – 77:07

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Structure & Flow for Listeners Who Haven’t Tuned In

• The episode is a head-spinning but honest look at what happens when poor health, emotional trauma, lack of support, and enabling intersect with the world of "easy" digital income (OnlyFans, Twitch).
• Caleb’s approach is part tough-love financial coaching (with sharp wit and exasperation at avoidable mistakes), part amateur therapist, and part accountability partner.
• The conversation frequently detours into Brynn’s health woes, problematic relationships, and failed attempts to take control.
• The second half features a meticulous audit of debts and bad spending habits, culminating in a moment of emotional vulnerability and self-awareness.
• The final advice is part actionable (fix the resume, try therapy, accept help) and part philosophical (you must take agency, even in tiny steps, or this cycle continues indefinitely).
• Potential exists for further drama (boyfriend’s post-show segment).

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Final Thoughts

This episode is a highlight reel of financial self-sabotage, codependency, and systemic failure—delivered with both humor and genuine effort at intervention.
For listeners seeking entertainment, education, or a mirror for their own struggles, it’s a bracing, memorable hour.

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Hammer Financial Score: 0 out of 10

"Meta Financial, who even knows. Hammer financial score, zero out of ten. Obviously." (80:11, Caleb)

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To watch the drama-filled post-show (including confrontation with the boyfriend), check out the membership options on the Financial Audit channel.

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Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube.

[B]

I do only.

[A]

Well, things are making more sense. So what are you making now?

[B]

Right now I'm making around on a good month.

[A]

Why would you not tell me that? Why'd my producers have to tell me that? Dollars. How do you do that?

[B]

Unfortunately, my mother enables.

[A]

Why would you do that? Your mother enables you for purchases, but for sake.

[B]

I know.

[A]

Earn that.

[B]

Hi, my name is Brynn. I am 25 years old. I live in San Antonio, Texas. And this is Financial Audit.

[A]

This is a curious thing. Oh, interesting. I've never. I. That's just. I don't usually see people dressed like this. What do you do for a living?

[B]

So I do only.

[A]

Well, things are making more sense.

[B]

Okay, now I stream on Twitch as well.

[A]

Oh, you're a Twitch streamer.

[B]

Yes.

[A]

Oh, we don't really get other creators on so very often. So this makes sense. Have you been watching the show?

[B]

Oh, yeah, I watched this.

[A]

Okay.

[B]

Pretty religious.

[A]

So you're in the audience then. That's. And most people are. So I just want to make sure. Usually when other people are on things, we want to make sure they're not like here to plug anything. Actually, you're using a fake name, so you can't. Anyway, so that's.

[B]

Not only that, but I haven't mentioned that once on my intention. I'm here for the advice.

[A]

Good, good. Okay, so what are we making from these sources?

[B]

So I pull only is kind of trepidatious. So the reason for that is because I had some health issues recently that has like made it to where I can't do as much content as I'd like to do.

[A]

Okay. But got cut off.

[B]

I had a collapsed lung and almost died.

[A]

Why at 25.

[B]

Geez.

[A]

For what?

[B]

I was being vaping and I hit people.

[A]

Stop with this. I've all. I was. Yeah, well, we're finally starting to see consequences.

[B]

Yeah. And that's the thing really. The collapsed lung. It was 90 collapsed and I actually had to get a chest tube put in.

[A]

What are you smoking?

[B]

I now smoke cigarettes. But I was smoking. No.

[A]

What?

[B]

I got permission from my po. Mamalogist. Because of mamalogist. I can't pronounce Pulmon pulmonary doctor. The person for my lungs because. So I tried to quit with a nicotine patch. I actually am allergic to nicotine patches.

[A]

And maybe we just don't. So the problem is because we have a collapsed lung. Are we kidding?

[B]

So that. No, that's what I was given in the hospital was the Nicotine patches.

[A]

Oh, great. But maybe we just don't go on. Sorry. Go.

[B]

No.

[A]

What are you saying?

[B]

So I had an allergic reaction to the nicta pattern patches. Can't use nicotine patches. My teeth are severely decayed due to a genetic issue, so I can't do. I have a specific issue where the dentine underneath my enamel gets broken down at an extremely fast rate. And like it doesn't matter.

[A]

I. I did notice the top teeth have a couple things, so it's unavoidable. Oh, are you gonna get them just removed and replaced with.

[B]

That was. That's the intention. But implants are expensive and dental is a luxury health care item in this world. World.

[A]

But you don't do like.

[B]

No. God, no. No. My brother was pathetic and I refused to. Why not not do anything like that.

[A]

As brothers tend to be.

[B]

Yeah, well, it's just more along the lines of you learn what not to be from them.

[A]

Well, I was the oldest brother, so I'm the youngest. I wonder what they learned from me. Okay. Okay. Well, either way, you're still smoking.

[B]

Yes.

[A]

1. Bad for your teeth and your teeth are already weaker. Two, you have a collapsed lung.

[B]

Yeah, so I was trying cigarettes.

[A]

You smoke a day.

[B]

Right now I'm at about. If I. On a bad day, I'll hit 10.

[A]

But one. Ew. Two, you're killing yourself.

[B]

Yeah, I'm well aware. I'm. I do want to quit, but I will need to get a cessation aid, like in like pill form or something like that from a general practitioner, which I have right now.

[A]

For what?

[B]

Because the nicotine patches and the nicotine gum don't work. And I get really, really bad withdrawal symptoms where I get something called backdrip and it closes my. I throw it up.

[A]

Oh, is there a place you can go to manage?

[B]

So it's not so much like that. It's more along the lines of there's. So back in the day before my lung collapse when I was a teenager, because I've been. I've been smoking Since I was 13 is what you have to understand. So this is like over 10 years long addiction. I was my babysitter at the time. Got me hooked onto them. Not.

[A]

What's on your arms. What do we have here? Are you gonna like. I feel like should I take these off? There's gonna be a weapon. They are, I think. Well, I think the silver ones are jingling quite a bit, but that's okay. Go ahead, continue.

[B]

But there's a pill called Chantex that I at the time I wasn't given medication when my gp, I prescribed it to me. Then I didn't end up. I wasn't ready to quit yet. Since my lung collapse, I'm ready to quit. I want to quit. Etc. I don't have the gp.

[A]

Hold on.

[B]

Prescribe me anything.

[A]

How we got down this conversation is you say you can't. You can post less and flaps due to. Due to collapsed long like. Okay, so what are you making now?

[B]

Right now I'm making around $200 on a good month.

[A]

Okay, so you don't have a job. Okay, well, you said another one was streaming, so how much are we making off that?

[B]

I took a break from streaming the last several months. Yeah, I know you're bad. What.

[A]

What are we doing here? What the are you talking about? You don't make money. What? What am I supposed to do here? You don't make any money.

[B]

I'm working on.

[A]

When was the last time you made money?

[B]

Probably.

[A]

Oh, for sake. It's just. It's.

[B]

No, I understand. You can be mad.

[A]

Go on. Make damn money.

[B]

Of reasons, but for what? I have a lot of health issues.

[A]

Okay, listen, I'm not saying you need to do that as a job.

[B]

I understand that.

[A]

Of the health issues, do they prevent you from doing that?

[B]

A lot of health. Of my health issues were preventing me from working a normal job, which is why I got into this.

[A]

Okay, what are the health issues?

[B]

So I have a heart condition called mitral valve.

[A]

Prologue disability then.

[B]

And so I don't know how to do the disability.

[A]

Talk to someone. Google GPT. What?

[B]

So I also have a severe anxiety when it comes to medical professionals. To the point to where my mother ends up having to be the one to kind of help set up any type of appointment.

[A]

Is she in San Antonio?

[B]

She. I live with her.

[A]

What about the boyfriend? He. You came here with a dude. He's standing outside going off.

[B]

Yeah, he's.

[A]

I was like staring at him out of window.

[B]

Yeah, he's gonna be pouty. He's incapable.

[A]

Capable. Okay, why is he your boyfriend then? What?

[B]

So that's.

[A]

Well, probably because you make 200amonth and you use someone to survive.

[B]

Don't use him, considering I'm the one providing for him.

[A]

So how you make 200amonth? Apparently, according to yourself.

[B]

Well, considering he's living at my home. He moved out here from Washington.

[A]

You have a home? You're renting?

[B]

Well, it's my mother's home, but still my home.

[A]

When was the last time you made money?

[B]

Was the question I asked, Probably 2022 from Twitch.

[A]

What did you do?

[B]

Streaming a lot. Like three grand a month now.

[A]

Why can't you stream now?

[B]

It's not that I can't. It's. I took a step back over the last several months. I had a really, really bad mental toll from the streaming because of the type of environment it was.

[A]

What was the environment?

[B]

It was really toxic. It was very clicky. It was very much so people, if you can't offer the same amount of support that they're offering you, they'll turn on you type of energy.

[A]

Okay, but. But they don't. But I don't know. They. Whether or not. Whether or not another YouTuber has given me a pat on the back doesn't mean I make videos.

[B]

Don't make videos. That. It's about the fact that. What you have to understand is a lot of these streamers will come in and cause problems in your stream.

[A]

What?

[B]

And.

[A]

Or what?

[B]

Spread rumors around.

[A]

Okay, what's your rumor? What's your allegation? Everyone has an allegation. It's 2024.

[B]

Well, considering I was dating a streamer and he had lived with me for the time being. Cuz I have a bad. Yeah, I make bad decisions when it comes to relationships.

[A]

Please answer.

[B]

And he had decided to say that there was an SA assault.

[A]

So you assaulted him.

[B]

That was his allegation.

[A]

Well, what did he say you did?

[B]

He said that I had kissed him with. While he was sleeping. But I have video evidence of him refuting that claim because he had said it to literally to me and destroy me. And I have the video of him.

[A]

Saying, like, we live in such a weird world. Yeah, this is the. This is a. I'm so. Today's society is so weird.

[B]

Yeah. That's why I stepped back, though, because I don't want to have to continue to put myself through that situation to be in and to be on the receiving end of it because of my own personal history. It was just like, I can't mentally handle that.

[A]

Okay. I don't think he's capable of a relationship. I definitely has no ability to advocate for himself like an adult. Whatever. Okay. All right, cool. So that happens. I'm sure no one gave it because who would give it?

[B]

Plenty of people did.

[A]

Well, yeah, I mean, there's pearl clutches out there, but. But borderline stupid because if you had video refuting, I mean, that's more so what I'm talking about evidence.

[B]

I. I have evidence in case like anything legal came of it. And that's why I have that evidence. But I'm not also not going to sit there and defend myself.

[A]

Nor should you. If someone's throwing out something stupid you shouldn't.

[B]

I don't. Like, I'm not going to do that. I just chose to say step away.

[A]

And just enabling people to say bad.

[B]

Things to start back on streaming. I'm also currently working on trying to get my food handler.

[A]

So how's your audience? How's your audience?

[B]

I mean, it's pretty decent.

[A]

Will they come back? I know streaming is like, if you even stop.

[B]

Lawyer. Loyal viewers, luckily.

[A]

Okay, well, are they like, you know, like they're subscribers? Men with money, like that? Kind of. Because that's sometimes. Right.

[B]

Let's be honest here. My whole, like, spiel is how I interact with.

[A]

Are you a just chat?

[B]

No, no, no. I'm a gamer. Like, I play video games. But I.

[A]

It's very interesting. I'm sorry, I know we haven't really jumped into numbers here, but I'm very curious. It's rare that we have another creator on here, and this is very interesting for me.

[B]

Yeah, no, hey, so.

[A]

Okay. And then we hope to upsell them into the of with the.

[B]

I actually do not advertise my of on my twitch because.

[A]

Oh, it only makes 200amonth, so I guess we're not surprised. What's the most you made off of that in a month? Twitcher Only of.

[B]

Only. I think I've made like five to 600 one month.

[A]

Okay, so it's a joke.

[B]

It's. It's passive. Yeah, it's passive.

[A]

Barely. It's nothing.

[B]

Yeah.

[A]

Okay. So pouty boyfriend.

[B]

Yeah, that's. He was my friend for a very long time, and then we kind of started, like, flirting and talking and all like that. I love my mother, but my mother and me sometimes get into it and my mom can be in the heat of the moment, she can be very vindictive. And so I got kicked out one night, which was fine, but at that time I didn't have anything, so I was like, literally on the side of the road and he made the stupid. And I appreciate him. And it's because of this that I feel indebted to him, which is why I've allowed this to continue as much as I have. He made the decision to drive down from Washington state up, down to here to pick me up to live with him, but he's living with his parents and. Or his grandparents.

[A]

And what does it have to do with anything? I'm so confused.

[B]

And so we get down there. I'm in an unsafe situation because his parents are. Or his grandparent is cutting off the WI fi completely. I have no service out there. And unfortunately I need access to be able.

[A]

Dangerous.

[B]

I need access to be able to call an ambulance or anything like that. And I did not have that because he was cutting the WI fi.

[A]

Okay. Were they cutting it to punish or was it. We're just getting rid of WI fi because we just don't need it.

[B]

No, it was. It was. It was a very manipulative. Because he wouldn't do something in the yard. They'd cut it for a week and.

[A]

Okay.

[B]

Like punishment.

[A]

This is so weird. Okay. I don't. What the are we talking about? Oh, this is such a mess.

[B]

You asked about him, so I. I.

[A]

Did, but it's because he came up.

[B]

Yeah.

[A]

For something. I'm forgetting. This is weird. So you make no money. I'm just trying to get a baseline.

[B]

I don't make no money. I make some money. It's just not.

[A]

It was $200.

[B]

Yeah, it's not.

[A]

What can you do with $200?

[B]

Not much.

[A]

You're living with your parents?

[B]

My mother. Yeah.

[A]

25. We have a boyfriend that you hate.

[B]

I don't hate him.

[A]

Okay. To be clear to the entire audience, he was huffing and puffing outside. So I came in, I said he can come to the green room and just hang out if you want. I would just. And you said no, I.

[B]

He's not be able to be more honest with then having him who I have concern.

[A]

You don't feel like you can be honest?

[B]

Not in front of him.

[A]

What? Why?

[B]

Just because there's always some level of judgment when it comes to financials and he's very.

[A]

Does he make money?

[B]

No.

[A]

What the What?

[B]

There's always a bit of like. So if I make any comment on his financial or anything like that, it's. He loses the confidence. He doesn't want to do this, etc, but yet like literally ask me. Okay, well, I don't have enough for this. Can you cover this and things like that.

[A]

You should give him a little peck on the cheek in the middle of the night and see if he freaks out.

[B]

I'm good on that.

[A]

You don't want to touch him. It's great.

[B]

Yeah, we're pretty. We're. I'm at my breaking point with him, but. Yeah.

[A]

Are we allowed to have him on in the post show?

[B]

Yeah.

[A]

Will you allow that?

[B]

Yeah.

[A]

Okay, well, save that. We'll save that for the post show because that's just drama. And we need to get into the actual numbers. This is financial audit. Yeah, this is.

[B]

So why.

[A]

I'm just trying to establish a baseline, and your baseline is confusing, and we're just trying to just see where you are. Okay.

[B]

The last couple of months have been rough because of the lung collapse, but.

[A]

Well, maybe we're not inhaling random. Maybe we're stopping smoking.

[B]

Maybe I do want to quit, like I said.

[A]

Want to what?

[B]

I have to get help from a gp, which I don't have right now.

[A]

Then go. I mean, you can afford essentially free health insurance.

[B]

I'm on my mom's health insurance.

[A]

Better.

[B]

But in a year, I lose that health insurance.

[A]

Okay, go now. It's not a year from now, and now is not in a year from now. I don't know if you know this, how the calendar works.

[B]

I'm aware. Yeah. So the thing is, is with her insurance and with how everything is, there's a lot of things that are not in our insurance anymore.

[A]

Okay. Okay. Okay. And maybe you need to get off and you need to get onto a plan for someone that makes no money.

[B]

Okay, listen, I know once.

[A]

I want to establish. I'm still trying to establish a baseline, and I just have one more thing to get there, I guess. What was your last real job?

[B]

I was a fraud investigator. Previous.

[A]

And your health got in the way?

[B]

I was having seizures.

[A]

Okay, then you just. Listen, if you cannot operate because, like, literally your body won't allow you to, then you just need to get undisciplined. It's meant for people like that, but.

[B]

That just feels like taking advantage of other.

[A]

No, if you're. If you walk outside and have a seizure and can't survive, that's different. Now, obviously, you should take a little more control of your own health by not.

[B]

Yeah.

[A]

Collapsing your lungs. Which was a bit of a choice on your end.

[B]

Yeah, definitely a choice on my end.

[A]

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[B]

So I was on 3mg vape juice if you know anything about nicotine. Milligrams. That's actually one of the lowest ones you can be on because I was working on lowering to quit actually when I collapse my lung.

[A]

How's your lung?

[B]

So about a month after my lung collapse, I ended up getting something called teeth syndrome, which is.

[A]

Where are you able to. How are you even here without just like disintegrating like you have everything?

[B]

Trust me, I'm aware. That's why I don't leave my house very often.

[A]

You are pretty pale. Yeah.

[B]

Are you saying I'm a vampire? Okay. But yeah, so I got teeth syndrome. And I've been recovered from teeth syndrome for about two weeks.

[A]

Teat syndrome. Isn't that what you're selling on of. Okay, where do you think you are on a scale of zero to okay? She already knows.

[B]

I'm well aware that I am in the.

[A]

If you want your Hammer Financial score, free link in the description below. If you want to come on here and you're not afraid to leave your house. Calebhammer.com apply. We'd be happy to have you on guys. Okay.

[B]

I mean, I'm not a. Yeah, I'm a little afraid to leave my house. Look, I got here, I made progress.

[A]

San Antonio. It's a drive.

[B]

You know, I've made Progress.

[A]

Okay, well, trust me, I'm someone that's not getting on planes, so it's like I can't. What am I? You know? Okay, so I also want to establish to the audience, by the way, because we're headed into the paperwork now. Half the you sent were like pictures of like you taking pictures of documents instead of just giving us a screenshot or a statement as a request. But not only that, but you had to come here and then Mr. Jacob had to go sit down with you and get. Pull documents from you to just. Yeah. Understand things because you're just incapable of accessing.

[B]

I. There's a lot that I have access to, but there's a lot that's just paper copies is the thing. So that's why they were pictures. Oh.

[A]

There's a lot of collections and I think we're even starting with the collections. $5,836 here. Huh.

[B]

From. That's from my car.

[A]

Why at 25 years old. Your car?

[B]

I got repoed in 2022. I had a predatory loan from 2020 for that.

[A]

That you signed?

[B]

Yes, but I didn't realize how predatory it was at the time.

[A]

Tell me what's predatory?

[B]

The interest rates originally high. The monthly payment was.

[A]

What was the interest rate? Monthly payment. You would know. I do signed it.

[B]

What the weight was. Right.

[A]

Oh, come on. You're telling me it's predatory. You're a little victim. So you at least give me some information that would.

[B]

The background on that. So in Texas there's a law that if you can't do your full payments, you're allowed to make partial payments. They refuse to allow me to make any partial payments if I did not.

[A]

Well, what's that. What's that law? What's that law?

[B]

It's a law in Texas where because of the fact that it's a financial. So it's.

[A]

I forget, what does it exactly state. What are you referencing?

[B]

So, meaning if a person cannot make a full payment, they can still make.

[A]

A part payment to what?

[B]

To whatever loan.

[A]

Any loan ever.

[B]

On auto's car specifically. On auto loan specifically, they are supposed to allow you to make partial payments.

[A]

And it would probably get ended to like the end of the loan. There would be late fees.

[B]

There would be something, whatever you would be able to. At least partially.

[A]

Maybe. I'm. I'm trying to find it.

[B]

San Tender refused to allow that.

[A]

So in Texas, there is no specific law that guarantees a right to make partial payments on car loans without consequences. Typically, auto loan agreements in Texas and elsewhere are Binding contracts between the lender and borrower and the terms are set by the contract usually govern whether partial payments are accepted. So what are you talking about? Where'd you even find this out?

[B]

That was through my mother, so.

[A]

Oh, thank goodness. Oh, okay. I see. I thought maybe you talked to someone that had any kind of like knowledge or background or qualifications. Buddy, I was able to figure this out in two seconds. Also, how much do you smoke?

[B]

Not that much. I have to smoke to be able to eat and I have to smoke to be able to sleep.

[A]

Okay. Because you have a bit of dankness. Okay.

[B]

Yeah.

[A]

And we're talking. I was looking. This is from texas.gov and from Texas Law Help and from Experian. Okay, so you don't know what the you're talking about.

[B]

No, I did not. I guess.

[A]

So why is she someone we're listening to? Well, because she birthed you. I mean, that's a. Usually a good point.

[B]

But right now she, she is pretty much completely taking care of me, which, I mean, not the proudest moment of my life.

[A]

But again, I mean, if there's certain health things, that's not necessarily a bad thing. You know, it's this understanding your life. Careful, don't scratch your skin. Your arm will fall off. Okay, so. All right.

[B]

I am trying to work on getting my food handler certification so that.

[A]

So what are you going to do with that?

[B]

Get a part time job at a fast food place, hopefully.

[A]

Like I think you can get a part time job at a fast food place without a food handler certification.

[B]

No, you need the food handler certification to be able to handle any type of food or anything in the state of Texas. That's a requirement. If I was to do like cashiering or something like that, that's not necessarily where I need a food handlers. But you have to have a food handlers to be around any type of food. That is a requirement. Most jobs sometimes will provide you with it, but it is easy.

[A]

Well, I mean, that's probably it then. It's probably just that go through on training or onboarding. Well, onboarding. Okay, well, that's different.

[B]

But.

[A]

Oh, why aren't you doing that then? Because that, that's different than. Because what I'm picturing is like you going through this whole extensive process just to drop some fries in a fryer. This is just something you go through the onboarding process.

[B]

Because of my health, my mom is very trepidatious to let me do any work.

[A]

Okay, mom, you're 25. I don't.

[B]

And on the one hand, it's like, yeah, I do understand the. That logic, but she's also providing for me, so I don't want to.

[A]

Yeah, there is that part in the.

[B]

Mouth and do something against her, and then I'm ending up not able to do the job that I would like to be able to do. And myself, my mom does enable a lot of things, is what you have to understand. Like, I mean, even if you look at my fantasies, you'll see like I have a. I do spend a little bit for the dopamine hit. And I try not to, but I've definitely gotten better over the years, but I'm definitely not where I should be. And she helps with that. She enables that. You know, it's. If I.

[A]

This became mandatory in 2016, so it's actually relatively new. But yeah, you get this usually through the onboarding process. So that's different.

[B]

So I haven't. I haven't gotten called for any interviews or anything like that. So I'm.

[A]

Okay, show me your resume.

[B]

With. On my phone or on the laptop or what?

[A]

Phone's fine. Phone's fine.

[B]

File.

[A]

Those things are staring at me.

[B]

My gosh, I'm sorry. I told you.

[A]

Just trying to look at numbers here. Okay, so a car that got repoed. What was the car? And it was predatory. You're a victim. You can't give me any information on how so. And then you didn't understand the law. Okay, listen, you're working at food service. We don't need two pages on a resume. A two page resume for. Come on, like, that's step number one. Step number two, don't use a Android.

[B]

That's a magnet. You can pop it out of the case if you need to. Oh, no, no, no, no. Please don't do that. I need to do that.

[A]

I don't know what's happening.

[B]

Hold on. I can just take it out of the case for you.

[A]

Just gonna look at this like a normal damn device.

[B]

I'm sorry, I have to have the magnet.

[A]

Am I gonna get cancer from touching this phone?

[B]

God, no. So I have the magnet on there, so I can be able to hook it up to any type of metal for content creation purposes.

[A]

Okay. Fraud investigator, 2018 to current.

[B]

That should be current. I update.

[A]

Okay. Cashier customer service, March 2018 to March 2018. I don't think we put that on a resume because no one. Why would anyone want to hire you?

[B]

Showing of jobs require at least three years. Sure, sure.

[A]

But just don't put that on a resume. You Showed that you worked at one place for less than a month. I wouldn't hire you.

[B]

Fair enough.

[A]

It's showing that. Okay, I'm giving you. I want to give you actual like feedback here. Okay. And that's Walmart.

[B]

Yeah.

[A]

Cashier @Whataburger 2017. May 2017. October 2017. Again, that just looks bad. Cashier Popeyes from March 2017 to May 2017. I know why you're not getting hired.

[B]

It shows like you when I was in high school.

[A]

I don't give a. It shows that you do not stay anywhere. Waitress from August 2016 to December 2016. Arby's November 2016 to November 2016.

[B]

So I think resume that my dates are messed up to be fair because.

[A]

Okay, maybe you look at your resume before you submit it. What are we, kindergarten?

[B]

This is just one of the ones that I grabbed from my drive.

[A]

I don't also the write ups for these. I mean, come on, girl. Girl.

[B]

What.

[A]

You'Re right up for the water Burger job and Walmart job are a copy and paste.

[B]

Some of them are. Yeah. Because they are pretty much the same job. But maybe not.

[A]

Do you not understand?

[B]

There are slight differences.

[A]

Not in those two, but in the Arby's. There are a slight difference.

[B]

Yeah. So that's what I mean.

[A]

This is the worst resume I've ever seen in my life.

[B]

I. Okay, I think that's a bit of a stretch.

[A]

No, no, it's not. I haven't. Okay, maybe you have. I haven't. Don't take inspiration from them. Also, your real name's crazy.

[B]

Yeah.

[A]

Make sure it's bleeped if it can be seen on screen. But that is a wild name. Is that your real name?

[B]

Legal name.

[A]

What kind of house do you come from?

[B]

I'm not a judgment, but I'm Japanese and American.

[A]

It explains the anime, I guess.

[B]

Okay, look, they're great. I don't know what you're talking about.

[A]

Trust me, I got them.

[B]

You know, hey, everybody loves a nice set.

[A]

That's why everyone subscribes.

[B]

That's horrible. I mean, I think.

[A]

Listen, this resume is trash.

[B]

Yeah.

[A]

One, it's a service based resume. Does not need to be two pages. Three, it's this copy and pasted. Four. Wait, did I skip two? Four? It is just showing that you don't stick at a place. So at that point just honestly lie. I mean, don't. But like. Are you kidding me? I'm not surprised.

[B]

That says current was supposed to be till 2021. I was there for three years.

[A]

I don't care. That is a resume. I'm not surprised you're not getting any callbacks.

[B]

That's.

[A]

That is horrendous. Do not show the jobs that you worked at for a month barely even show the. I would just tweak in two pages. Okay, so this car got repoed. You can't explain how it was predatory, but it was predatory because it was a bad interest rate, which everyone's on this show is.

[B]

No, when I first got the car, it was in a situation. So this was right when I was starting the CB job again. So I had a job with them. I ended up having to leave due to some. I have an NDA. I can't discuss why I left and things like that and why I got hired back, but it's. It's all because of an NDA and.

[A]

Okay, okay.

[B]

And when I was going back, I needed a way to transport to work. This was right before COVID hit and bus. I was working in New Braunfels and I live in Universal city. That's a 45 minute and there is no bus line.

[A]

Okay. That's where we get a different job. Serving coffee, doing anything. So listen, you've worked at Waterburg and Arby's, guys, for a few weeks only. My new debt Mastery class is 35% off. Plus the first 500 that sign up will get access to a private live stream where I break down how I got out of every single cent of bad debt and how I now use good debt to my advantage. We still have a few spots available, so get in now. I'll answer all of your questions there as well. In this debt program, we don't just focus on paying down debt. I'll show you how to use debt to reach your life's goals, how to negotiate your debt, and frankly, negotiate any type of payment with anyone. We'll also go over how to curb those psychological and overspending issues that keep you from living your dream Life. This includes 10 tools that you can use to quicken your debt journey. Check it out, guys. Limited time only. Link in the description below.

[B]

I literally. The reason I have an NDA. I fought for this job. I wasn't gonna give up on this.

[A]

Okay, but also give up on it. Cause you literally couldn't make it work. And sometimes we have to make sacrifices in life to surv.

[B]

Even though it was slightly predatory, and I was aware that it was slightly predatory, I thought I could handle it. It wasn't until.

[A]

What was your monthly payment again?

[B]

625.

[A]

Hi. You signed it okay. What was the car?

[B]

It was a 2020 Outlander sport.

[A]

So it's repo. They sold it. Okay. Your remaining is 5,836. And you allowed that to go to Collections?

[B]

Yes.

[A]

You didn't get on a different payment plan with them? So this is in Collections?

[B]

Yeah.

[A]

Okay, let's keep going.

[B]

So the reason it was in Collections, because we were going to dispute it, but.

[A]

Dispute it. Why would you dispute it? How would you dispute it? How are you gonna win? There was a law that didn't exist.

[B]

And that's the point.

[A]

Yeah, that would have worked really well. Okay, this must be Collections. This is a picture.

[B]

You tell my Collections.

[A]

Okay. Original creditor, Citibank. Citibank? What. What did you have a city bank?

[B]

I don't think it was Citibank. I think that's just what it's under. But it was. Should it be Capital One, Best Buy? Oh, no. Best Buy. That might make sense to act two. Those are the two.

[A]

And this is in Collections.

[B]

Yes. I was in a pretty nasty relationship and seems to be a common occurrence. But this one, when I say at a certain point.

[A]

When does this abusive.

[B]

This was like domestic violence.

[A]

Well, that's bad.

[B]

So, unfortunately, my. That's when a lot of this actually happened. With the finances getting hit so hard was when I was in that relationship. And I kind of.

[A]

Don't set me up like that. I can't make jokes like that. You can't say the finances hit you hard. You can't. Stop that. Just stop. You can't. I can't make jokes like that online, but.

[B]

But I can't.

[A]

Twitter freaks out.

[B]

It happened to me. I can make the joke.

[A]

Make it for me, you know? Okay. So the interesting thing about this is there are payment plans you've just not.

[B]

I just. I haven't done anything with it yet because I. I'm not making enough to really.

[A]

Well, you make $200 a month, and none of these payment plans are even considered. So there's the one. You can. You make a single payment of $2,612, and they'll save you $653. So 12 main payments of $232, and they'll save you $470. 18 payments of $160, and that'll pay you 360. What?

[B]

I wouldn't be able to do that logically.

[A]

Of course not. But we'll write down.

[B]

But I want to be able to.

[A]

160.96. We'll write down that as the hope.

[B]

Okay.

[A]

Yep. Fair enough.

[B]

That's fair.

[A]

Okay, let's see.

[B]

Capital One, I'm guessing.

[A]

Capital One.

[B]

Yeah.

[A]

That one was also in collections, I'm assuming.

[B]

Yeah. Also from when I was with my ex.

[A]

And the super bad one or the other less bad ones?

[B]

The super, super bad one.

[A]

Oh, super, super. Okay. 657.82. You could do payments of 84.80 on this.

[B]

Also really high.

[A]

Well, yeah, I mean, but honestly, to the median person, even those, you know, making under like $30,000 a year, the 84 isn't insignificant. But we could budget it in. You just make nothing.

[B]

Yeah, and that's what I need to start working on, number one.

[A]

So one thing we should do, obviously.

[B]

Is fix the resume. Oh, yeah, I definitely need to do that.

[A]

One thing is go through. Go through course careers, like free course thing, where it just kind of connects you with what it thinks would be best for your career. And then we'll gift you the full course, whatever you end up going through, so you can get an additional certification. Okay. So go through that. You get that for free. Also, never open a credit card again.

[B]

Yeah, no, I don't plan on it. I. So that's the thing.

[A]

Use something like a FIZ card, a.

[B]

Debit card, almost everything. All of my debt is now in collections because for the past two years, I have not touched my credit. I have not opened an account and touched a credit card or doing anything like that. I did take out a FIG loan. I think maybe just under FIGS loan. It's a personal payment loan.

[A]

Okay.

[B]

But that was like, if it was within the two years, it was right. When the two years.

[A]

You know there's gold on your cheeks, right?

[B]

Y. Okay. It's highlighter, cuz.

[A]

You took highlighters to your face?

[B]

Oh, no, no, not like actual. It's a makeup product. The woman will understand.

[A]

Lindsay, do you understand?

[B]

I do. Thank you. Exactly. Listen, it's not for your.

[A]

It's not for me. That's fine. Not for the camera either, is it?

[B]

Look, I sparkle like a diamond. I don't know what you're talking about.

[A]

That's the closest you'll ever get to affording one. So what is this? Oh, it's a vet thing.

[B]

Yeah.

[A]

Oh, what happened?

[B]

Chewy ended up getting a hold of a rope toy.

[A]

And what's it. What's Chewy?

[B]

Chewy's my dog, okay? I have two dogs from that abusive relationship. We. We got them together, and he was. Was not just hurting me, but hurting them, too.

[A]

Kill that guy. I will go Right now.

[B]

And so I kept both of them so that they would be safe. But unfortunately, because of where I am financially, it's very hard to take care of them. And so.

[A]

Yeah, yeah, yeah, yeah. It's hard.

[B]

He ended up getting something stuck in his intense intestine and. Oh yeah, 10 inches of his intestine had to be surgically removed.

[A]

Was he with us?

[B]

He's still with us.

[A]

Okay. So. Okay. So we're good. Yeah. Just happened to my dog as well. Your bill was a lot cheaper than mine.

[B]

That's. So this is now what it is. But it was higher. I was making payments on it and I was doing.

[A]

How much was it?

[B]

It was like 13, 1400.

[A]

Wow. Mine was 32,000.

[B]

Yeah, no, that was my cat. Close to what my cat would have been.

[A]

But why this was your cat that.

[B]

I. I have another vet bill that from the previous that I have.

[A]

If honestly. Honestly today it just. Honestly. I'll put this out there. If we can't afford pet insurance.

[B]

Yeah.

[A]

Because pets always try to kill themselves.

[B]

We can't afford my cat, my cats. That cat that I had the open the care credit for.

[A]

Okay.

[B]

Actually no longer with us.

[A]

Okay. I'm sorry.

[B]

November of 2020.

[A]

How old is she?

[B]

Close to 12. She was. She was up there in age.

[A]

I'm sorry. That's hard.

[B]

It definitely.

[A]

So you owe for the dog intestine. Why was yours so cheap compared to mine? I'm so curious. Because that was the surgery and everything.

[B]

Because they really, really liked my dog.

[A]

I guess I should. They liked my dog too, maybe.

[B]

No, they love my dog.

[A]

I should have cried. They loved my dog too. Maybe I should have cried. Actually, I did cry.

[B]

Yeah. It's a scary situation when you're about to lose pets.

[A]

Didn't like me.

[B]

Wait till you find out. I have another cat and a bunny too.

[A]

Why? Why are you getting pets? You can't afford pets.

[B]

As a bunny.

[A]

Selfish of you.

[B]

Okay, the bunny I did the cut was gotten again two years ago. Right. A little bit before lithium.

[A]

Okay. And are you on a payment plan with these guys?

[B]

I was. I'm no longer on that payment plan.

[A]

Is this collections or is this just what you owe them? You. You, you. Wait. What was the payment plan?

[B]

It was 150amonth.

[A]

Okay. Oh my gosh. No offense. That it sucks. That it sucks. That it's a. It is kind of. You know. It sucks.

[B]

Yeah. That one was my own stupidity. I didn't realize.

[A]

Reality is you just can't afford toll roads.

[B]

Yeah. That was if you look at the funny thing about the charges is the charges were ironically made in, like, 20. 20, 2019.

[A]

And why is that ironic?

[B]

Because it's been that long. And I don't. Like, I haven't driven since 2022, since my car got repoed. I don't drive. Oh. This was before even that.

[A]

Okay. And it's just literally 60 bucks.

[B]

And if you. If you look at the actual amounts, you'll notice that I only owed, like, a dollar less than two dollars. And it somehow got up to that because of the past two fees. They don't play around. Those toll roads don't play, and you.

[A]

Can'T afford to take them. Sorry. I know in some place in the country, it's like, oh, can't take a toll road. It's gonna suck. But that's a lot of times in Texas you can get around. Huh?

[B]

That's the start of my medical. That's not even the full extent of them because I didn't get some of them until after I'd already sent them.

[A]

107 bucks.

[B]

I have a 4, 000 something medical.

[A]

Okay, but this is 107.

[B]

Yeah, that one's 107.

[A]

I have a 501 payment plan with this. It would be.

[B]

We haven't even started. This was from August. This was from my lung. My lung collapsing.

[A]

Okay.

[B]

So that's just now hitting. That's a bit scary.

[A]

How do you think your lungs feel on a daily basis when you put 10 cigarettes into them?

[B]

Yeah. Wanna quit working on it?

[A]

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[B]

Might be my car.

[A]

What car? Where do you. We went through your car. It was 5836.

[B]

What that one's from?

[A]

What do you mean? It's 27 180.

[B]

Yeah, I've never spent that much, so I don't understand where that could be coming from.

[A]

Maybe the original balance of the car before they sold it off?

[B]

I think so.

[A]

So 75 month term you took out. That's insane.

[B]

That sounds like my car. The 75.

[A]

Yeah. Yeah, you got off easy, they're saying. Sounds like.

[B]

Yeah, because they were able to sell.

[A]

For a decent value. Probably because when they repoed it. Yeah, the car market was still a bit more wild. Not that it's fully recovered, but yeah, it's definitely not lucky.

[B]

In my application, I definitely thought it was a lot higher.

[A]

I thought explains your monthly payment.

[B]

That was a lot higher than it was. And the fact that it's as low as it is is like, oh, okay. It's not as bad as I thought it was. But I also am not going to be unrealistic and underestimate the damage that I've done to My life.

[A]

So you haven't driven since 2022? Have you been getting around my mother?

[B]

My boyfriend?

[A]

The only reason you're with him right now is because you kind of need him. Like be honest.

[B]

It's not the only reason. I do care about him. I do love him. It's just.

[A]

Are you breaking up with him?

[B]

I most likely will be if.

[A]

Does he know this?

[B]

Yeah, he's well aware. He just refuses unless he does.

[A]

What?

[B]

Unless he can step up.

[A]

And what do you think he's gonna be? Or come onto the camera in the post show?

[B]

Yeah, we'll see about that. He's kind of. I don't want to say that word.

[A]

How does he feel about you doing all that?

[B]

He doesn't care.

[A]

Lying for people.

[B]

He does not care. Which is ironic. It's.

[A]

Is he a part of it ever?

[B]

Yeah, we have some contents on there every time.

[A]

Lots of ofers on this show recently.

[B]

Yeah, it's a. It's a.

[A]

Is everyone. Everyone's doing. Everyone's doing the of these days.

[B]

Easy. Passive income. That's what you have to understand.

[A]

Give me to 10 million subscribers and I'll post my online. Guys.

[B]

Oh my God. I mean I don't even.

[A]

They call it the hammer hole.

[B]

I might just make a few extra accounts and just mass up to help you, you know.

[A]

And my tagline is any hole will do.

[B]

Oh God. I. You're gutsier than I am. I'm proud of you.

[A]

What can I say?

[B]

Brave, oh brave souls.

[A]

This is a finance show. Fig Loans llc.

[B]

Yeah, that's that payday loan type thing.

[A]

Took out a payday loan.

[B]

This was a couple. This.

[A]

What are you taking a payday for?

[B]

That was at the time it was used for something that I need for content creation. I don't even remember what it was. I mean technically those would be non taxable. Just say no.

[A]

No. What did you actually get?

[B]

I literally.

[A]

Oh, come on.

[B]

Best guys two years ago. I'm going. It was probably.

[A]

If I took it out of payday loan, I'd know what I took out. It was probably.

[B]

It wasn't a payday loan though. It's. That's just the. It was like. It's. You know how cash app does their borrowing system.

[A]

Oh good.

[B]

Go to that.

[A]

What did you get? Come on.

[B]

I believe. I think. I'm pretty sure it was either some lighting for my stream and I think a monitor. I don't know if it covered all of that, but I know it helped me cover for it which I needed at the time for My content.

[A]

Okay. This is just.

[B]

Yeah.

[A]

For sake. This balance is huge. What is this for? $5,836.

[B]

That's probably what I Wait on the car.

[A]

Okay. So I got. Okay, I got. I just got two different looks into. Into that. Okay. Portfolio recovery. Let's see. Did I do this one yet? 568.

[B]

That's an extra. If you look, it says San Tender consumer, which was my auto loan. That's some type of extra thing for my auto loan. I don't know where that's coming from.

[A]

It looks close to what your payments were.

[B]

Yeah. I don't even know what I owe on my car at this point because it's so all over the place.

[A]

Is there anything else? Is there any other debt?

[B]

Is there any other new debt from my lung collapse? No.

[A]

Huh? From your what?

[B]

From the lung collapse.

[A]

Oh. Oh. How much was that?

[B]

I know one of the bills was like 4400 something. One of the bills was 500 and something. And then I have like two or $300 bills.

[A]

Well, how many of those? Two? 300.

[B]

No, I'm saying two. The quantity two or three. And the amount. $100 bills.

[A]

We'll say three. We'll be safe. And no payment plans. You've never discussed.

[B]

Not currently. Because it literally just happened in August.

[A]

You said that's not just.

[B]

So in August is when it happened. But we didn't get the bills until just now. Like, I can pull it out and you can see, like, I literally just got the bill type thing.

[A]

What else? Because I feel like I'm. You don't know your situation, so I feel like I have to be missing stuff.

[B]

The only thing that I am missing is the care credit that I used on my cat before she passed. And. Okay, that should be in collections. And at the time, I want to say it was like 1600.

[A]

Have you ever paid a bill in your life?

[B]

I was.

[A]

Everything's in collections.

[B]

Everything is now in collections. But when I first initially got it, I was keeping up with everything. It wasn't until after I'd lost my job in December of 2021 due to my health that I stopped being able to take care of everything. And I've just kind of jiggly.

[A]

Not those. The. These. They're just really loud. I hope it's not being picked up in the audio too much. Try to hold still.

[B]

Yes, that's what I'm trying to do. It wasn't until after I lost the job due to health reasons that everything just kind of took a toll. And to be fair, it is on me entirely. And I understand that. But there was a point in time where it was just like I didn't. I didn't know what to do and.

[A]

It was just what do with you going forward. What's. Okay. All right, all right. Well, we have a checking account. So you don't think there's any other debt?

[B]

I. I didn't say these checking accounts are.

[A]

Huh.

[B]

I. I don't think there's any like debt. I don't think I do do a little of spending, but I don't think there's any more.

[A]

Yeah, you're spending. We're about to get into that. It's ridiculous. I don't know how. How much do you think you spent in the last month? 200 came in even wanna. Come on. How much did you spend?

[B]

Probably like 500 to 600.

[A]

I want to say spend a thousand dollars.

[B]

That's insane.

[A]

How do you do that if you make 200?

[B]

Yeah.

[A]

No, that's not a question or an answer. Mine was a question. What would you answer to it?

[B]

How do I do that? Unfortunately, my mother enables.

[A]

Why would you do that? Your mother enables you.

[B]

You're gonna blame Mama, blaming it on her.

[A]

What you just said she enables you.

[B]

She does enable me. It's.

[A]

Go on.

[B]

My choice.

[A]

Go on. What is it? What does it look like? What does it look like in any.

[B]

Way, shape or form is like, go on like, okay, hey, I would like to get this thing for my game or whatever. And she's like, okay. And she'll just send it and.

[A]

No, no, no. But that doesn't make sense because not enough money came in to do the thousand dollars. He had Zelda in 500 then Phoenix. We know what that is now. Unfortunately, I've learned 126, that's usually the O&Cash app 127 in. So 552 came in. Only 126 was earned. Okay, great. But even still, if mom was sending that 51038 was spent.

[B]

I'm trying to figure out where. Why my mother sent me 500 cuz.

[A]

Well, I don't know. C Z in total was 499.

[B]

That I think that's over time though. I don't think that's.

[A]

It was within the month.

[B]

Yeah, yeah.

[A]

I'm saying within the month.

[B]

Yeah. So that's how my mother sends me any money.

[A]

I know. Okay, but you're saying she's enabling. If you want something, she'll pay for it. It's not explaining how $300 more was spent then came in.

[B]

That shouldn't be the case.

[A]

It is the case.

[B]

I zero out. My no accounts are zero.

[A]

The Cash App LLC is where the difference came from.

[B]

Oh, we were cash out borrowing for a little bit there.

[A]

A little bit there? As in like it just happened?

[B]

Yeah.

[A]

A little bit there. How do you not know? Then why would you not tell me that? Why'd my producers have to tell me that? How do you not know that?

[B]

I do know that when I'm asking.

[A]

You how that difference is.

[B]

I didn't understand.

[A]

Why did they have to tell me?

[B]

I didn't understand. That's where the difference was.

[A]

How do you not know? You're just basic.

[B]

What do you mean?

[A]

Stop kicking the chair. Go through our debt class. Go through our budgeting class. Go through our investing class. That's not even part of this conversation yet. But especially the budgeting and debt class. You need to go through them immediately. You get them for free by being someone on the show. By being a guest on the show. You guys get them at a discount right now. Link in the description, but make sure you go through them. Take the education. Make sure you're actually learning because you need to go through it on your own. Because I call out this stuff here. We'll do a makeshift budget and some suggestions, but you need to do the actionable steps on your own or else nothing's going to be done ever.

[B]

I've kind of been at a point where it's just like I'm kind of just existing. And that's the whole point of me wanting to do this is I don't want to do that anymore. I do.

[A]

I don't even know if you're existing. Dude. Zell. Money. Cents. Who are you selling? $38 to? And 4 cents. And then another 25. Who are you? Zelling.

[B]

That would be whatever change my mother gives me. I would send back whatever I don't need.

[A]

So she sent you a.

[B]

She'll send me some and then I'll send whatever changes back. That's how it works. It's about safety.

[A]

Blizzard. Blizzard.

[B]

Oh, yeah.

[A]

Oh. Blizzard Entertainment.

[B]

Like I said, I do have a bit of a problem with. I. I'm.

[A]

What are you getting?

[B]

I'm better at that. Well. Than I was.

[A]

Huh? What are you getting?

[B]

It's cosmetics or. Oh, for purchases.

[A]

Oh, for sake.

[B]

I know.

[A]

Earn that.

[B]

I know.

[A]

Then why do you do it?

[B]

Because I know so. A lot of what I spend on the games, I take that out of my only money and everything else well, you don't make.

[A]

Only you have to be immediately spending more. Also. How do you buy.

[B]

So because of the medical expense of it. My mother actually is the one who.

[A]

Covers it because how do you buy it?

[B]

So it depends on the circumstance. Most of the time I get it just through regular people.

[A]

Dealers.

[B]

I prefer not to use that word, but yes.

[A]

Well, that's what they are.

[B]

Or they do have dispensaries now. And so I have been lately been able to go and get.

[A]

How are you paying the dealers?

[B]

Typically through cash app.

[A]

Okay. So that. So it's not just giving your mom.

[B]

Money back, but if it's through Zale. That's if it's the cast.

[A]

Is that the Texas version?

[B]

Zale Zell. So what you.

[A]

I'm gonna Zale you later.

[B]

Look, I got an accent. I can't help it.

[A]

Okay, well, only for a couple seconds.

[B]

Yes, I try and hide it. I do a very good job, mind you.

[A]

Oh, come on. People in Texas don't even like have accents.

[B]

You ain't been to my part of Texas then.

[A]

All right, calm down. The teeth are starting to line up with the accent. Don't do that.

[B]

Okay.

[A]

Sorry. That was rude.

[B]

That was rude.

[A]

I'm sor.

[B]

Just. So with the natural.

[A]

Natural roaster. I'm sorry.

[B]

I try with the game. I have gotten better with it. I used to be really, really bad because there. So I got really into the game.

[A]

But what are you saying with my gaming bad at the game or your pur.

[B]

Okay, the purchasing. I used to be even worse than I currently am. I've toned it down a lot because there's this game called Genshin. It's a gotcha game and it's like gambling in game. And it's bad. Yeah, it's a different.

[A]

How often are we doing that?

[B]

I don't do it anymore. I'm completely free to play now, except.

[A]

For like five of the things we already called out.

[B]

No, I. I just get the battle.

[A]

Pass and that's Kindle United. We know people that accent aren't reading.

[B]

I actually read. Thank you.

[A]

Go to the library. You live in San Antonio. I know they have libraries. Different branches. Go. It's free.

[B]

With what transportation?

[A]

Bus. I know you can get there in San Antonio.

[B]

Except for the fact that I live in a part of San Antonio that does not have bus routes like that.

[A]

Not a single bus. Not a one, two.

[B]

Closest bus is two and a half mil from me.

[A]

Sounds like you'll get skinnier.

[B]

Considering my health.

[A]

I can't or have your. The you know, the boyfriend that essentially depends on you and does nothing all day. Maybe he can take you to the library like he took you here.

[B]

Yeah, he definitely needs to pull his weight on certain things, huh?

[A]

And then he can reward him, make a video out of it and make money. There you go. There's lots of. It's a joke. No, it's a very gooning episode. Usually we save this kind of goonage for the post show. So all you non post show people, you're getting a little taste into just the insanity that is typically in the post show.

[B]

Look, we have fun. It's a good time.

[A]

All right, all right. I don't hear about it. I don't want to picture it. Zelling out $42. Cash app and out 80. Cash app and out 21. Cash app and out $54 and 2 cents. Cash app and out 45.

[B]

I do love the assumption, but no, the 81 was the only one for that.

[A]

What was the rest?

[B]

It could have been for food. What food?

[A]

Why are you getting food?

[B]

Because.

[A]

What gas?

[B]

So because of the condition of the house. There's a lot of times where we don't.

[A]

The house. What's wrong with the house now?

[B]

So the house is in pretty bad shape. There's a lot.

[A]

Why are we listening to our mom for advice if she's, if you know.

[B]

Because she's the only person I have.

[A]

That's not true. You can email us now.

[B]

Now. But previous to this, I mean she's.

[A]

Read it in chat GPT and I.

[B]

Tried to, to like do my own research on things but it gets really confusing when you have so many people counter.

[A]

It does. Honestly we've, we've had lots of. That's why. Honestly, that's why we built our debt and budgeting and investing program and people are like, you know, why would you spend like 97 bucks on it when everything's free online, it gets so convoluted, people immediately contradict and you don't know what is accurate. So that's why we put it kind.

[B]

Of why I just trust my mom blindly because.

[A]

Okay, well don't because I'm learning. So what's wrong with the house?

[B]

So there's raccoons that have chewed in through the roof and.

[A]

Good. Is this rented?

[B]

No, it's. We. It's an owned house. My mom paid a mortgage on it for several years and she just.

[A]

A mobile home.

[B]

No, this is a home home. Two story in a gated community home. Like hoa.

[A]

Yeah, I don't think they're Going to be happy.

[B]

No, they're not. Let it be known. But there's a hole on the roof that unfortunately that is allowing like black mold to grow and things like that.

[A]

What does the insurance usually doesn't cover? Critter. Does she have a mortgage?

[B]

So she doesn't. She just finished her mortgage like a year or two ago.

[A]

Well, good for her. But usually someone like her probably needs a mortgage because it forces her to have insurance. Why doesn't she have insurance? Why would you trust someone that doesn't have insurance on their property? Also the critter wouldn't. Usually doesn't cover critter type damage like that.

[B]

But mold. When she got in the house, it was with my father. My father went to prison when I was.

[A]

In three years. Oh my gosh. Do you have anyone good in your life? Listen, we have the abusive relationship, which sucks. And there's, you know, I'm really sorry. That's horrible. Then brother with the, you know, crystal thing. Dad went to jail, mom who's not getting insurance. There's issues right there if you need them. So is there anyone that you're able to lean on at all?

[B]

Not really. Sorry.

[A]

It's really hard. No, that's really hard. You know, we're. We're just looking at where life is and that is a very natural emotion to have from just the reality of how life has been for you. And it sounds like it has been very difficult, which is not a lot of people to lean on. You know, that's. That's very, very hard. Yeah, it's hard.

[B]

I'm sorry. And I know it doesn't. I know I'm not doing enough and I want to do more. I just don't know where to start. Anytime I try and get answers, it's always so confusing. And I don't. Yeah, I don't want to be like this and I don't want to live on my mom off my mom. And I don't want to be enabled and I don't. And I want to take responsibility for the things that I'm doing wrong because it is, is. It is my choices and it is my bad decisions that have gotten me here. And I understand that. But it's also like, how do I get myself out of this?

[A]

Yeah, no, it's okay. Do you need a tissue?

[B]

I'm good. I just need.

[A]

You're okay.

[B]

I just need a sip of water now.

[A]

Yeah. So it's okay. I. I get it. That's really coming from a place where there's this. You know, no support, no help. And even just getting incorrect information, that makes it so much harder. That makes it so much harder. And it's not. I'm not saying none of it. Like, it's a lot of.

[B]

It's my fault.

[A]

Yeah, we don't want to immediately, you know, not take responsibility for anything.

[B]

Of course not. Like, at the end of the day, I've made these choices, and at the end of the day, these choices were made by me. Even if they were contributed by outside factors, they were still my choices. And I understand that when we're stopping.

[A]

At HEB and 7 11, we're getting like a dollar purchase, $7 purchase, and $9 purchase. What are they? They probably sound like packs of cigarettes.

[B]

The $9 purchases are probably the packs of cigarettes. As far as like a dollar or $7, those are probably like caffeine or something like that. Because I have a really bad caffeine addiction.

[A]

Well, that's okay. Brew coffee. I have a caffeine addiction too. Brewing beans. They are cheap from each. Huh?

[B]

I've always been under the impression coffee is more expensive than really.

[A]

Well, let's use this as a learning lesson. It's not go get Mr. Coffee. They're just even Folgers. It tastes like death. But, like, you can at least get that to fuel that you're. Dude.

[B]

Yeah. I've slowly tried to get off of the caffeine, but whenever I do get off caffeine, I get really violently sick.

[A]

Listen, I. So. Well, how much do you. How many milligrams of caffeine do you consume a day? What the.

[B]

I drink like an eight. Like, sometimes I can go through a 12 pack of cola in a day.

[A]

And that's probably just like cans. Are we talking cans? It's probably like 800 milligrams, right? Wouldn't that be about something somewhere around there? Are they like 7 age or something? 800.

[B]

And that's not.

[A]

That's a lot. And that's also really, you know, we're talking about. I know that's not fully your control. Yeah, but that's horrible for your teeth.

[B]

Exactly.

[A]

I feel like you're exacerbating your.

[B]

So when my. When. When we finally figured out what was going on with my teeth, they were so far gone. It just got to the point to where it's just like, I don't even care anymore. Like, it. There is.

[A]

So shouldn't you though. Shouldn't you want to maintain until you're able to afford replacements?

[B]

Yes, but the dentist is also like. Like, there Isn't anything that can be done.

[A]

So what are you going to do? Does it hurt?

[B]

Oh, yeah, it's extremely painful. I can't eat. Most things I have to stick to mainly.

[A]

Is it radiating throughout?

[B]

It radiates from like right now. So pretty much I have a hole in between the last two teeth here. And anything that like saliva or anything that goes into it will shoot a shooting pain up to here.

[A]

And then like temporary or.

[B]

No, it's consistent, throbbing, like all the time. Yeah. And then clove oil is really the only thing that helps and that's in leaky.

[A]

What kind of dental insurance do we have through Mom?

[B]

I know nothing about my medical stuff.

[A]

Oh, come on, ask.

[B]

I have severe trauma from medical stuff. I've been almost bled out by medical staff and things like that.

[A]

Okay, but you can ask if you have insurance.

[B]

We do have insurance and I just.

[A]

Don'T know when the trauma. That probably sucks. Use the health insurance and get therapy.

[B]

Except for the fact that I've been turned away by over 30 therapists.

[A]

Okay, go to the 31st. I don't know, like, turned away from a little bit.

[B]

So I have diagnosed bpd, ptsd, arfid, anxiety and anger issues diagnosed by a medical professional.

[A]

Why have you been turned away by therapists?

[B]

Most therapists, the response I get is, while I could maybe help you with this issue or this issue because of all of the issues that you have, they're too encompassing and I would not be able to.

[A]

Okay, maybe you need to try some online options because you just get put into a bigger pool.

[B]

My insurance will cover most.

[A]

Yeah, they don't cover a lot of online stuff, but there are things like, I think Sondermind. Sondermind.

[B]

I would love to look into it because I would love to get the therapy. Yeah, because listen, all the progress I've made on my mental.

[A]

I have anxiety of needles and I actually. I have a cavity here and a root canal here that needs to be done. And it has been. I've put it off because of that. And that's just like at a certain point, this is. I'm saying this as someone who's that up myself. What's more, if I was having endless throbbing pain, I feel like I would just like, put me under and do it because, like, how do you survive with that? Luckily, I don't. We all know the markets have been wild lately. Up one day, down the next, rates being cut. It can feel impossible to stay on top of the latest financial news that informs your investing decisions. And I'll Admit it, even sometimes, I feel a little lost. Luckily, the sponsor of today's video, Moomoo, is here to change that. Moomoo gives you access to institutional tracking where you can see what the big players are doing, especially in times like these. Want to know which stocks the top funds are buying or selling? Moomoo makes it not only easy, but saves you so much time. And with my favorite tool, Moomoo's real time market news and insights, you'll always be one step ahead of the game. No more waiting for the morning paper or some slow website update. Moomoo's got your back 24 7. Right from the convenience of your phone. When you're ready and feel informed to make the right investment. Moomoo has zero commission trading on US stocks, ETFs and options, so you can invest more without losing precious dollars to fees. If your current brokerage is charging you these, it's time to switch. And the best part, when you sign up and make a qualified deposit through my link, Moomoo is offering up to 15 free stocks. Yep, you heard that right. 15 free stocks just for getting started. Plus, if you transfer your existing assets, you can grab a 1.5% cash reward on your standard transfer amount up to $300. Don't wait. If you're ready to level up your investments, hit the link in the description below or scan the QR code on screen. Get those free stocks, snag your cash reward and start making moves with Moomoo today. Because so like just there is no do it right.

[B]

Yeah, right, but where's the money going to come to get it done?

[A]

Listen, at a certain point you can go to an emergency room and they'll pull your teeth, they'll send you a bill, but they'll do it before they send you the bill.

[B]

So I have to be put under for any type of like procedure I do because I get very volatile tool.

[A]

Which will give you a big bill afterwards. But again, they will still do it in an emergency room.

[B]

Okay, I didn't. I don't know anything about.

[A]

They will pull teeth in emergency rooms.

[B]

But then I'd be left with no teeth.

[A]

Yes, but we could get like dentures or something. It would be expensive but we can talk about options away.

[B]

I literally. So the plan is to pull all my teeth and get implants?

[A]

Yeah, incredibly expensive.

[B]

And they're working on getting us on payment plans and things like that. It's just a matter of time and getting enough to be able to.

[A]

Would you qualify?

[B]

We. My mom would. So I have a year to get this done. My main focus is my teeth for the next year while I still can't because and so you asked me earlier why I stay with him. Because at the end of the day because of my inability to work and because my refusal to be on disability. Unless I get married, I won't have insurance.

[A]

So it is because of that. It's not because you even.

[B]

I do care about him and I do love him.

[A]

Sure. Care and love. But do you even enjoy his presence?

[B]

I, I do enjoy his presence.

[A]

Okay. I'm very confused on your relationship because you were giving me very different but vibes before.

[B]

Does not. He is not a logical or safe long term partner. He does not have his together in any way, shape or form.

[A]

We need to bring this guy in.

[B]

Yeah, good luck with that.

[A]

Well, you can bring you. He'll come into the room right. Whether or not he's filmed and then I can just give him a rundown. I, I, I never want to pressure anyone to be on camera. So I'll just give him the rundown. If he doesn't want to. He doesn't want to. That's fine because he's went to Four Kings Bakery. That's great. That's great. $7. Basically all the money to our life. Cash app and out. Cash App and out. 7:11 Getting our energy drinks. Cash app. Even if we're buying energy drinks from the grocery store, it's still more like price efficient in bulk from Sam's Club or something. Come on. Costco. Cash app and up. Cash app and up. Steam games. Great. Steam games. Cash snaps. QT inside. We got some energy drink. Cash app. Cash app.

[B]

What? No, I just like, I find it funny how you assume that that's all that.

[A]

Or it's more food or is this more.

[B]

It's just, it is.

[A]

But QT inside. No, that wouldn't have even made sense. But maybe if it's cigarettes. Short Max watch.

[B]

Oh, that's a little.

[A]

So if you don't have money, what is it?

[B]

It's an app on your phone. You don't have to watch like short films on.

[A]

Stop. You don't have money.

[B]

When I was bedridden and I couldn't do anything.

[A]

YouTube's free and there's literally endless content.

[B]

I, yeah, I do have YouTube Premium and I recently learned that I could watch. That's, that's why I don't have any more of those on my thing from that point. But thick dude. Yeah, I learned that after that.

[A]

Surprisingly not an overdraft fee. This year.

[B]

No, never. I don't get overdraft fetus.

[A]

Yeah, but, well, it's because you're born from cash app, so that's how you make up the extras.

[B]

No, I, I don't get any over draft fees.

[A]

I know. And it's because you borrow from cash. No, no, no, no.

[B]

Like my bank does not do overdraft fees. Okay, that's what I'm trying to get you to understand.

[A]

Okay, so I will never be cash out. More Blizzard. Great. And Kong Sphere and Hulu. Come on guys. More cash app out. I need to cancel my cash app out. Yes, you need to cancel everything. You cannot have one subscription.

[B]

I'm keeping my YouTube.

[A]

I, I honestly, my YouTube is literally.

[B]

A quality of life thing for me.

[A]

It certainly is. But you literally have no money.

[B]

I.

[A]

You have no money. Considering if we were in a position where we, you know, had at least a few thousand coming in a month, yeah, we could have the conversation. But you literally have no money.

[B]

And I understand that, but I'm not giving that one up. Like I will work on everything I need.

[A]

Okay, well, we'll go to vape City. We get our energy drinks. Mama Margie's taco shop.

[B]

I do want to team game. The cash app. Card is used by both me and him.

[A]

You went inside.

[B]

Come on card and use it when it's.

[A]

I got some energy drinks. When it's like got some energy drink. Cash app out. Cash app out. What a just what a joke Steam games and what why a lot of people don't like the no income people on the show and I agree with them on this and I know you applied a while ago and kind of before we put that policy in just like how do I make you budget after this Steam game Taco shop. Steam game Went inside got. But then again there aren't a lot of people that don't have jobs and they. So it. It's not like it's not 100% fair that we never featured the situation because there are going to be people that relate to you, especially with medical issues and stuff. Went inside got some energy drinks. When inside got some energy drinks.

[B]

That's why I choose not to do disability.

[A]

UNO drops.

[B]

UNO drops.

[A]

UNO drops from Capital One bank to Uno drops from Capital One Bank. 75 bucks. I don't know. Maybe his payment being sent. So you're paying for Snapchat and twice a $7 cent Snapchat stuff.

[B]

That was to restore my Snapchat streak.

[A]

Your Snapchat streak. This is the most insane I Don't know what to do here, my dude. Thousand dollars. You made no money. And even though the stuff that mom gave you is only like 500. So, like, what the.

[B]

Yeah, it's. It's in bad shape. And I know it is, but now.

[A]

Obviously, yes, mom's insurance will cover some, but most dental insurance is crap. So what is that even going to cover? Like, how much is going to have to be paid still?

[B]

So last time we talked about the implants. Implants are going to cost in total around 4,000. And I would need to put a minimum payment of like 6,000 to be able to do anything with my teeth. I have a. How.

[A]

How are we gonna. What's the payment plan?

[B]

Motorcycle that I'm working on trying to sell.

[A]

What? Huh? What are you talking about? Motorcycle? I don't know about a motorcycle. What motorcycle?

[B]

Because it's not like in any way, shape or form affecting my credit or anything like that. It's completely owned.

[A]

I like, what's it worth?

[B]

It's like three. It's probably like three $500. And I'm working on trying to sell that right now. It's just I haven't had any interest in buyers on it. I don't write it, I don't drive it. I don't. You put any gas into it. I don't even have insurance on it currently. Like, I'm literally just trying to get rid of it.

[A]

So how do I make you a budget? What? What I'm just trying to figure out.

[B]

So my thing is, is the last. The last couple months because of my lung collapsing because the health issues that I had, that's why a lot of my income drops on average. I do think you're gonna be working.

[A]

A place like McDonald's. 500 is still nothing. I can't make a bunch of hours alone.

[B]

And then I plan on. Also on top of.

[A]

How do you get this job with all this health stuff? Dude, you have a stroke when you step outside, when the sun touches your skin, you get cancer.

[B]

It's that or disability. And I don't want to be one of those people who take advantage.

[A]

I agree. Well, first of all, hold on, hold on. Taking advantage are people who are taking advantage. If you are literally incapable of surviving because your body is broken, that is not taking advantage. People who are unemployment because they get laid off are not taking advantage of unemployment. They pay taxes into that program and then they have that. But someone who sits on it forever and never applies for jobs and all these things, you know, they do just the Bare minimum required to stay on. That's taken advantage. You're not necessarily taking advantage if you walk outside and limbs start, you know, falling off. Okay.

[B]

It's not that quite, quite data centric yet.

[A]

Well, okay.

[B]

I mean, it's close, but you know.

[A]

You literally had seizures trying to work.

[B]

I was putting in 115 hour week.

[A]

Okay, well, obviously we're not doing that. That's ridiculous. That's ridiculous. For a normal person that doesn't have.

[B]

Out of the situation I was in.

[A]

Well, and you put yourself in a worse one, so there is a certain thing. And also, I mean, what's the difference you're between taking advantage of the government program versus taking advantage of your mom right now? Someone who can't afford to patch a thing on their roof.

[B]

Yeah, it's not, it's not intentionally trying to take advantage of her, but.

[A]

Well, how do you not view it in a similar way?

[B]

I don't, I didn't say I don't view it in the similar way. I say it's not intentionally trying to take advantage of her, but I can see how that has become the situation.

[A]

You think you can work at McDonald's for 40 hours a week? You think you could do.

[B]

I could do 25 to 30 max.

[A]

Okay, now here's the conversation. When it comes to disability, then, it's not like disability is a luxurious lifestyle by any means. And again, we're not talking about taking advantage, but 25 to 30 hours at McDonald's or a place like that, you're never going to be able to survive off of that. Yeah, like it's a good way to start getting ahead a little. Yes. It's a step in the right direction. You'll. You're, you're. Unless you can work 40 hours somewhere, you're never going to have a career.

[B]

I will never be able to work 40 hours with my health, though.

[A]

And what about sitting down customer service remotely?

[B]

That's what I was doing when I was having my seizures and I lost my job.

[A]

But you worked 100 million hours a week. What if you did 40 hours a week doing that?

[B]

Near the end, I started to drop my hours, but I was still having seizures.

[A]

What is how the seizures.

[B]

I have stress induced signatures.

[A]

Oh my. How have you not had one yet during this conversation? These are stressful.

[B]

It's stressful, but I did. You.

[A]

You should have told us that before. It's not even a joke.

[B]

Not that stressful for me though, is. This is a conversation for me and this is a learning experience for me.

[A]

Okay, what about arguing with your boyfriend? The two hours on the way up here.

[B]

We didn't argue the whole time.

[A]

Really? Cuz you got out and I, I, I was looking out the window when you got here because you know, you're a little late. So I was just waiting. We argue and you came in and you're like. And then he parked and he walked.

[B]

Around just going, yeah, he's a grumpy fan. So yeah, we didn't argue the whole time though. For the most part, I just kind of stay quiet. I try very hard to hold my tongue because I do not want to say something I'm going to regret to because I have bpd. I do understand that I have explosive reactions.

[A]

So I'm just trying to figure out what the I can do. Yeah, I know Technically we could let all of this debt set and never.

[B]

Even touch it for seven years. Could, I mean, that's kind of been my plan.

[A]

Technically there are. They have legal abilities to go to courts if they want to. And the course can the court can force some things upon you or face larger consequences. Typically they won't, especially for smaller balances like that. But that is something that could happen.

[B]

Yeah.

[A]

Interest won't be applied to these medical loans. A lot of these smaller medical loans will not be reflected on your credit. You won't see those ones.

[B]

No.

[A]

Yeah.

[B]

The $4,000 one though, I will see.

[A]

I kind of forgot the exact number.

[B]

But that's kind of where I've been. What's we do?

[A]

Like, What?

[B]

Because I'm two years into this.

[A]

You're 25. I'm confused. It's your mom okay with just bankroll in your life for the next six or five years. Like when you're 30, like, what does that look like?

[B]

And that's where I get kind of like frustrated because it's just like she, she is not comfy. She says, I know she's not comfortable with it. You're like, no one wants to sit there and take care of their grown child. But it's almost like anything that I do to try and get out from that situation, it's like, no, you shouldn't do that. You know, you know, your health is, you know, you're, you're not going to be able to handle this. Just let me handle it, blah, blah, blah, blah. And it's just like, well, I don't want to be, I don't want you to have to handle it for five, six, four years.

[A]

I think the real answer is, is you need to put a little More work into finding a therapist and not push back a little on the nose. And also, don't give up, because the moment we can get you in that to start working on at least, at least fear of medical things, you start working on those phobias. Okay, we start working on that. And then if we can start getting that job, that at least allows us to start saving up some money on the side for, you know, just survival, maybe even instead of the debt. I'm just trying to figure out what even works best for your situation. Honestly, I, I, this is why I.

[B]

Wanted to do this show.

[A]

I don't want to say do disability, but it's just like, honestly, at a certain point, if you literally cannot survive, that might be a thing.

[B]

Yeah.

[A]

Also, we just might need to get you to see some specialists and take advantage of the health insurance you're on for the next year. Even after that, you're going to be on the Affordable Care Plans. So you're going to have. And when, even when there's like, okay, they send you the bill, like, okay, you're just not going to pay it, like. But we might need to get you to see some specialists and things for this. Maybe there's some medications you can take to help with the seizures. There are typically. But, you know, have you seen specialists?

[B]

I've seen a neurologist. I have seen cardiologists. So with the neurologist, the thing is, is I had, I. So they wanted to give me certain medications, but I tend to react very poorly to medication. And I. Like when I was put on SSRIs, I got something called serotonin syndrome immediately.

[A]

Did they put you on a low dose?

[B]

It was on a low dose and it was within two days of me starting the medication.

[A]

That's crazy. Did they try starting on a lower dose after that?

[B]

And, and I had the same reaction. And that the second one was actually when I had somebody who was drawing blood and then they were supposed to put an IV in. They turned their back in between the blood draw and the IV and left the IV tip in with nothing attached to it. And I was just bleeding.

[A]

Did you say hello?

[B]

Well, I didn't realize because, so, because my fear of needles. I was just looking up at the person I was with. His face drops and pales and he's terrified. I look down, I see my blood just, just pulling around me, and I'm just like, hey, it happens.

[A]

This sucks. I'm sorry to happen. That doesn't mean.

[B]

She looks at me, she's like, yeah, that's what's supposed to happen. I'm like, that's not what's supposed to happen. She goes to get everything dealt, gets her gloves stuck in the IV line, rips her glove out of it and almost pulls it out. Sounds like a. Yeah, it was a bad situation. And I've been severely traumatized by that. Like, to the point where like.

[A]

Yeah, yeah.

[B]

Needles are not a thing that go near me.

[A]

No, I get it. Me too. I mean, but there is a certain point, like right there. Your mouth hurts right now. Right.

[B]

If it's life or death, I will get needle. Right.

[A]

When my brain clap. That can go to your brain.

[B]

I let them put and go to.

[A]

Your brain and you can die like that. Did you know that? Did you know you can die?

[B]

I know that your gums are connected directly to your bloodstream, so unfortunately it does like when sat down and things like that occur. It is a problem. Yes, but I haven't had any, like, yet problems with it yet, so.

[A]

But your mouth hurts right now.

[B]

It's not too, too painful right now. I mean, it's like a dull ache right now. It's. When you live with chronic pain, you. It's hard to like.

[A]

But you don't have to.

[B]

Debatable.

[A]

You don't have to. You can go get them pulled today.

[B]

Yeah. And then be gumlet and gummy.

[A]

You will be gummy no matter what until you get the implants anyway.

[B]

So at least right now I can eat some certain. Like, more.

[A]

Wouldn't you rather be pain free? No. For a little bit?

[B]

No, because I would not be able to eat nearly as much as I can eat.

[A]

Yeah, you'll be on the pudding diet.

[B]

And I can't handle that with my weight.

[A]

Okay. Okay, guys, listen. Okay, what. What can I do? There's no solution to anything. Everything's.

[B]

No, it's not that. It's not. There's no solution. Figure out what the solution.

[A]

Because there's obviously nothing I can do here. You need to go see a mental health specialist. You go see medical specialists, and you need to work 35 hours a week somewhere by fixing your resume. Maybe take advantage of the course career certification that we give you. But other than that, I mean, those are obviously things you have to do, and then you probably just need to save up a big stack of money and that's your only chance of survival. I mean, that's it.

[B]

Yeah.

[A]

For you, those are. That's what I would do. That's what I would do leaving here. So. I mean, Meta Financial, who even Knows Hammer financial score 0 out of 10. Obviously. Let's get your boyfriend in here. Go get him. And let's see how cranky that little is. Trust me, I can anyone verbally. All right, bye. All right, see you guys in the post show. Make sure to check out the debt and the new debt class. It's 35 off for only a limited time left in the first few people that sign up get access to a live stream with me where I go over the my debt payoff journey in detail and answer your questions live. See you in the post show. So we wanted to bring you in because she was talking. He knows she calls you a deadbeat. Are you a deadbeat?

[B]

If you're not gonna answer, I will.

[A]

She doesn't think that I can be more provider hard conversations. Should I tell you something? She said she doesn't see you as a long term partner in marriage worthy.

[B]

Why do I think that you're not.

[A]

Gonna harm me, are you? To watch the financial audit post show click the join button below. All right guys, I get it. You need more financial audit. So we've decided now in our membership below you get two exclusive see Nowhere Else Uncensored Financial Audience. It again. 384 came in from your job. How much do you think you spent?

[B]

How much did I make? 384.

[A]

You don't think you overspent?

[B]

Oh, I probably. I guess I did, yeah. Seven maybe. I don't know.

[A]

Also three post shows a week for every financial audit you're seeing right here on YouTube. In the post show we have an extra 20 minutes for every single episode where we go into more drama. We can't find you on Facebook. Did you block me on Facebook? No. No way. You can join Hammer PO Pro where you get every financial audit post show for every episode. Priority replies to comments, custom loyalty badges and special channel emojis for the comment section. And then there's Hammer Elite if you're wanting more. And that comes with everything from Hammer Pro Extra behind the scenes content. A member stream every single Tuesday with myself and the crew. Wonderful human guys, she's just not wonderful wonderful human. I do love her. She is a wonderful person. I like like her. No she like she's a great person. Here's the thing. Great person. It's just she. We know she's a good person. Like wonderful, wonderful human. But she's just so into me and she always wants to hate random but frequent private streams with me throughout every week. Monthly member raffles for exclusive merch and two exclusive un censored ad. Free financial audits every month. And then for those who only go top level, there's Hammer vip, which comes with everything from Hammer Elite and Hammer Pro, plus a thank you in the pin comment of every public financial audit episode, be an exclusive beta tester on our newest products we're working on, and a custom thank you letter from me personally mailed to you after a year. Members help us maintain stability during the ups and downs of ad rates, and this helps us invest in making the main show even better with every passing month. Join the membership guys. Even Dave's a part of it.