Failed OF Model In Debt For Taylor Swift | Financial Audit

Summary

Financial Audit: "Failed OF Model In Debt For Taylor Swift"

Host: Caleb Hammer
Guest: Parker
Date: February 27, 2026

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Episode Overview

In this eye-opening episode, Caleb Hammer sits down with Parker, a 29-year-old public health worker from Springfield, Illinois, for a brutally honest financial audit. The discussion dives into Parker's struggles with debt, her brief stint selling content on OnlyFans ("OF"), her search for extra income, and a web of personal decisions impacting her finances and parenting. The tone is candid, sometimes irreverent, and often sharply confrontational as Caleb pushes Parker to confront her financial reality and accountability as a single parent.

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Key Discussion Points & Insights

1. Parker's Background

• Job & Income
  • Works in public health ("health inspector/sanitarian") — earning ~$3,000/month net.
  • Springfield, IL: Lower cost of living but limited opportunities; additional child support ($597/month).
  • "I make $1,425...sorry, I get two paychecks a month." (03:46)
• Family Situation
  • Single mother to a 5-year-old girl with full custody.
  • Child's father lives five hours away, limited visitation.
  • Receives minimal child support; family history and support from her mom.
• Housing
  • Lives in a house owned by her mom; pays low rent but is subsidized in many areas by family.

2. Attempt to Supplement Income: OnlyFans Stint

• Motivation
  • Sought extra cash after being solicited by men on Snapchat for nudes ("Random guys would hit you up on Snapchat asking for nudes…” 14:38).
• Earnings & Experience
  • Ran an OnlyFans for about a month in August; made ~$900.
  • Created a full menu of offerings (photos, videos, sexting, FaceTime) but found the work unsatisfying and stopped quickly.
  • "I just got bored...I didn't want to stay up late anymore and do it." (13:15)
• Societal Reflections
  • Caleb and Parker debate perceptions around sex work, future consequences for her daughter, and normalization of sexuality online.

3. Spending Habits and Problem Areas

• Concerts & Social Life
  • Significant spending on concerts (Taylor Swift Eras Tour, Hozier, Cake, Sexy Red).
  • Frequent social trips (to St. Louis, Seven Brew coffee runs).
  • “Driving an hour away for coffee…with a child and maxed out credit cards. That’s not a thing.” (47:20)
• Non-Essential Purchases
  • Amazon purchases (often Affirm-financed), Starbucks, energy drinks, hair and skin treatments, birthday parties, and gym memberships.
  • “Already booked a $1,100 hair extension for next month…what about future of your daughter?” (52:06)
• Budget Discipline
  • Chronic overspending; overdrafted bank account ~30+ times in one year.
  • “Where’s the try? You tried to budget? Cool. Tell me how much went out last month, please.” (27:02)
• Response to Accountability
  • Admits difficulty making or sticking to budgets.
  • Often rationalizes spending as providing a good life/childhood for her daughter.
  • “Sometimes you have to have fun... So she can have a good childhood.” (28:29)

4. Debt Situation and Financial Management

• Total Debt: ~$48,000
• Types of Debt:
  • Multiple maxed out credit cards (Discover It, Quicksilver One).
  • Affirm/BNPL balances (often Amazon purchases).
  • Debt consolidation loan at a staggering 35% interest – taken out to consolidate but left Parker with both the loan and renewed credit card balances.
    • “Consolidating to a 35% interest rate—I've never even heard of that.” (64:27)
  • Car loan: $22,600 at 17% interest for a 2019 Nissan Rogue—worth much less than owed.
  • Overdue balances to daycare (~$5,400), lawyer (~$1,200), mom (~$5,000), and friend ($200).
• Minimum Payments: $1,484.16/month on debt.
• Financial Literacy:
  • Lacks a concrete plan; little understanding of compounding debt or the real timeline for repayment ("That's literally 45 years." 84:07).
  • Admits she hasn’t changed spending behaviors or built a realistic budget.

5. Career and Earning Outlook

• Current Role: Stagnant pay, difficult to advance in her field.
• Refusal to Switch Fields: Leans on her degree in public health; resists career pivot.
• Host’s Recommendation:
  • Urges Parker to pursue certificates or alternative training for higher-paying jobs, using free resources provided through the show. Suggests exploring food service management, tech sales, or other roles with better upward mobility.
  • “Time to look into other careers, getting into other things… you cannot do any of that…until you at least prove you can follow this budget exactly for two months.” (85:58)

6. Parental & Emotional Accountability

• Mother’s Role: Parker’s mother works 100 hours/week, struggles with her own bills but still subsidizes Parker’s household.
• Self-Awareness: Parker acknowledges feeling like a "bad parent" due to her inability to secure financial stability for her daughter ("I'm just a bad parent. I don't…” 73:23).
• Caleb’s Intervention:
  • Harsh critique but balanced with an appeal to take control for her daughter’s future.
  • Offers full suite of the show's financial education resources.
  • “You f’d up… but you don’t have to from here on out… now you need to get your sh*t together, OK? For the sake of your kid.” (74:02)
• Sister’s Intervention:
  • In the post-show, Parker’s sister confronts her on dependence on their mom (89:20).

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Notable Quotes & Memorable Moments

On Financial Self-Awareness

• Parker (on her situation):
  "I'm just surviving. But barely. You're being subsidized by your mom. You're spending thousands on like… what the f*ck are you surviving?" (25:41)
• Caleb:
  "You have a five-year-old. You don't get to f*ck around. It is your responsibility. You do not have that choice anymore." (26:48)

On OnlyFans and Risk

• Parker:
  "I did [OnlyFans] for a while… a little bit. I just got bored of it." (08:12) "Some people do need the personal connection." (10:22)
• Caleb:
  “If I’m going to pay for something—which only men do—who pays for solo content?…If people are having sex, like, what am I doing?... If you can't talk about it, why'd you do it?" (10:02 / 10:48 / 12:42)

On Spending Justification

• Parker:
  "Sometimes, you have to have fun." (28:29) "So she can have a good childhood." (28:38)

On Debt Consolidation

• Caleb:
  "Consolidating to a 35% interest rate—I've never even heard of that...You made history. No one's ever done this!" (64:27)

On Career and Responsibility

• Caleb:
  “Your career is not a good career…single mother is going to be hard to give her the future you want.” (85:59)

On Parenting Failures and Future Opportunities

• Caleb:
  “This whole point of the show...is it certainly intense and certainly is over the top...But now you need to get your s**t together, OK? For the sake of your kid.” (74:02)

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Important Segment Timestamps

• Public Health Job & Income Discussion: 03:43–05:00
• Child Support, Custody Arrangements: 05:00–08:00
• OnlyFans Experience & Ethics: 08:12–15:32
• Spending & Overspending Patterns: 25:41–29:44
• Debt Overview and Consolidation Discussion: 26:11, 64:27
• Accountability & Parenting Real Talk: 73:09–75:10
• Financial Score and Recommendations: 85:59–89:20
• Sister’s Confrontation: 89:20

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Actionable Takeaways & Recommendations

• Budget Mastery:
  • Needs to track spending and stick to a strict budget for at least two months as proof before pursuing debt relief options.
• Career Pivot:
  • Should aggressively pursue higher-paying, scalable, or certifiable careers outside of low-mobility public health roles.
• Debt Restructuring:
  • Bankruptcy is a possible (not automatic) solution if behavioral change and strict budgeting can be proven.
• Personal Responsibility:
  • Must prioritize child’s financial security and future over non-essential fun and self-indulgent spending.
• Stop Financial Enabling:
  • Reduce reliance on mother's support; repay personal/family debts as possible.

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Summary Judgment

Caleb delivers his signature no-nonsense critique, highlighting how Parker’s lack of accountability, impulsive spending, and poor financial choices jeopardize not only her future but more critically, her daughter’s well-being. Despite Parker's acknowledgment of mistakes and moments of self-awareness, Caleb stresses genuine, consistent action is needed to escape her dire financial lifecycle—a sentiment amplified by her sister’s late-episode intervention. Listeners come away with a stark example of the cumulative effect of “death by a thousand spending cuts,” the peril of debt cycles, and the life-or-death urgency of parental responsibility in personal finance.

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Hammer Financial Score:
0.5 out of 10 (rounded up).
Full breakdown and personal financial tools recommended at calebhammer.com.

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For listeners:

This episode is an unfiltered look at financial rock bottom, laden with humor but rooted in genuine concern and clear-headed guidance. If you want to avoid Parker’s fate, take budgeting, career mobility, and parenthood seriously—starting today.

Transcript

[A]

To watch episodes of Financial Audit a week earlier. Check us out on YouTube. Well, I'm being told to do off to. Is this. You print off reviews?

[B]

These are just like. That's like a menu.

[A]

Why do you have a printed off menu?

[B]

I just think that we should, you know, celebrate our sexuality and I think it'll be more normalized.

[A]

Believe it or not, guys have that as well. They don't just themselves. Women are the only gender in the entire world that can't figure out how to make extra money other than prostitute. Quicksilver1 what's happening?

[B]

Got pre sale tickets to the eras tour.

[A]

For the eras tour. The eras tour. Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the charge. Go to Dollarwise.com to change the future.

[B]

Hi, I'm Parker. I'm 29 years old. I'm from Springfield, Illinois. And this is Financial Audit.

[A]

It sure sounded like a question.

[B]

It might be. Are you.

[A]

I. I was ready to jump into it, but you seemed confused. This is Financial Audit. It is.

[B]

That's good.

[A]

I promise. I don't know where you are. You ain't come down to Austin and land up in Kill Tony or Rogan. You're. You are on Financial Audit.

[B]

Could be a dream. I don't know.

[A]

Okay. It's not. So. Might be welcome. Thanks for coming down from Illinois, fellow Midwesterner. I escaped to the better place. You didn't yet. That's okay. Maybe you will someday. Oh, girl. She just walked outside and it's nice outside. And she's like, it's so good.

[B]

I said it's beautiful. Yeah.

[A]

Okay, so. No, no, no, no, don't. You might when you get home after being here in the better place. But that's maybe.

[B]

I heard it's snowing in like 10 degrees.

[A]

What do you do up there for a living?

[B]

I work in public health.

[A]

Okay. What even is that? There is so much public health work to be done. What do you actually do for a living?

[B]

Think of the person that you like, don't like the most. Like a health inspector.

[A]

Okay, you're okay. Is it a health inspector? Is that possibly what you do?

[B]

That's part of it.

[A]

Part of it?

[B]

Most of it. That's what we're known as.

[A]

What's the other part of a health inspector?

[B]

Well, we're called like sanitarians really, but no one really knows what that.

[A]

What, do you go walk around and clean things?

[B]

No.

[A]

Well, then where's the sanitary.

[B]

We audited.

[A]

Okay. You're a health inspector?

[B]

Partly. I mean, what's the other part? What do you mean what's the other part? I mean we like do birds about anything environmental wise. Do you know what environmental health is?

[A]

I don't know. I just got a confusing note that I guess. I guess you. You wanted to do the intro in a certain way and maybe I didn't help you do that. You wanted to tell the whole world that you were bi for some reason.

[B]

Like I give a. I would never.

[A]

Okay, why do they care? Why do I care? Why was that gonna be in the intro? I don't give a. Oh, I heard

[B]

that you were like questioning, you know, your sexuality a little.

[A]

Why is. Why is everyone saying that? Colton, I heard you people say this. No, these are. No. Also wouldn't matter if I was. Who gives a.

[B]

No. I know, I agree. Everyone.

[A]

But also no. Like I don't understand. Like the last three guests, I swear Lindsay or Colton is with me are just doing this cuz they. Okay. No. In late high school, early college, literally over a decade ago now. I thought I might be because of a very early introduction to is my best guess. But no, I'm not. And even if I was, who gives a. And why are you out here bragging?

[B]

Bragging about what?

[A]

Colton said you wanted to say that in your intro, so I thought we were going to have to redo the intro.

[B]

No, we don't have to redo the intro.

[A]

Okay, then what the could we do? Okay, so you. You work in public health. You are a health inspector. Kind of part time. Great. What do you make doing that? You're the annoying person. Actually, no. Okay, health inspector. I'm glad you're at least doing it and making sure we're not getting like poisoned.

[B]

I make 1425. Like, like. Sorry. Each paycheck. Sorry. I get two paychecks a month.

[A]

Okay. Even. Well, Springfield, that's not a suburb of Chicago.

[B]

No.

[A]

Okay, so that can stretch a little far. Like Midwest is pretty cheap to live in.

[B]

Yeah.

[A]

All things considered. 3,000 hours a month net. How you doing in Springfield on that bisexual Parker?

[B]

Thank you.

[A]

It's critical necessary information to know.

[B]

Probably better.

[A]

But you're doing better.

[B]

No, no, no. I should be doing better than I am.

[A]

Oh, should be. I should just left out the should be.

[B]

Did I leave it out?

[A]

Well, you said I'm better.

[B]

I don't know.

[A]

Or better. You just said better. That's all the word better was.

[B]

Sometimes my like brain has thoughts and then like I don't have time to catch up with them?

[A]

No, so far I'm thinking they don't have thoughts.

[B]

You think I don't have thoughts.

[A]

That's like. You think that you're bi and that's your entire identity. That's all I'm picking up on so far. Buying. Which I appreciate.

[B]

That's not. I'm. But I'm. Yeah. I don't know. I'm just surviving on that. Yeah. I mean, I also get another stream. Yeah, well, I have like child support too that comes in and then I get reimbursed. I have one.

[A]

Oh, congratulations. Kind of. I mean it sounds like he's not in the picture anymore, but.

[B]

Who?

[A]

Well, you're getting child support. Probably the breeder.

[B]

The breeding. No, he. He sees her.

[A]

You're the breeded.

[B]

I was breeded?

[A]

Yes. Yeah.

[B]

So I'm the breeded.

[A]

The man. The man launched some come up your vagina.

[B]

That could be a lot of.

[A]

Really you. She's a. We love whores too. That's not even a bad thing. She's bi. That's great. Don't really care. Whore. That's great. I don't care. We need. If Brandon and I and Mark and even Colton to the men want to be. We need other people to be whores in order to be whores.

[B]

I agree. Everyone should do what they want.

[A]

Well, sure. That's kind of the point I was making. I was just saying enable.

[B]

It took a long way to get there. I was just helping.

[A]

Except not really. I don't think. Okay. I don't think you follow paths very well. But listen. Great. So what do you get for the child support?

[B]

5.97amonth.

[A]

It's not very much what it was. Why? What happened with this guy?

[B]

We were dating for a couple years. Broke up.

[A]

When? When? When?

[B]

2018-2020.

[A]

Okay, so you got the COVID scaries.

[B]

Yeah. Broke up in 2020. Realized just wasn't for us.

[A]

Why?

[B]

We were better roommates and like in a relationship.

[A]

And then you guys were locked inside because of COVID and you're like, oh, I hate this piece of shit.

[B]

Yeah. That kind of made me realize I don't like him. Like in that way.

[A]

Impregnate you?

[B]

I wouldn't say I let him.

[A]

Was it non consensual?

[B]

No, I mean we. It was consensual sex, but like no one.

[A]

Then why did you let him?

[B]

Were you having. It's like 99.9 effective and.

[A]

But you were having raw sex. No condom. Come inside a vagina.

[B]

That's the only.

[A]

Okay. Well, then it happens. It's can't. It's just like.

[B]

But like I understand birth control. Yeah.

[A]

Shot. So it wasn't the little implant? No, implants the best. You got to get the implant or ied. I know the IED sucks because it hurts and they don't really do a lot of pain prevention on that, but doesn't matter. Those are still like the ones that work.

[B]

I got my tubes out now, so can't have more.

[A]

Okay. Is it full time with you?

[B]

Yes.

[A]

And what is it?

[B]

What is it? A girl.

[A]

Good. Girl of what old?

[B]

Five old.

[A]

Okay, five year old girl. That's good. Oh, it's a beautiful girl. We love that beautiful child. You have full custody?

[B]

Yeah, I would say.

[A]

Which is why you're getting the 5.97. What does he do for work for such a little child's custody? I'll be honest, it's not like he's

[B]

providing distributor like a. I think like a liquor or beer.

[A]

Well, you really can't answer job questions of what people do, including yourself.

[B]

We haven't been together for like five years, six years.

[A]

But do not keep in touch. You have a child together?

[B]

We do. We see each other you know, during drop offs and we'll do like a family day.

[A]

What do you mean drop offs?

[B]

I thought when I like full custody, I do well. He sees her like once a month for drop offs. Yeah. So we meet halfway. He lives five hours away. He still lives in Wisconsin? Yeah.

[A]

Why? Okay.

[B]

That's where I was living at the time.

[A]

No, I didn't want a real answer. This is like why Wisconsin? Okay. Okay. Okay, good. Baby. Baby. Well, I'm being told to do off to.

[B]

I did for a while.

[A]

Okay.

[B]

A little bit. I shouldn't say a while. I got bored of it.

[A]

How many people were subscribed? Sorry, I'm not being rude. Except for when I am. How many people are subscribing to this or are subscribing to this?

[B]

Well, I did it for like a month and there was like.

[A]

Oh, when?

[B]

In August.

[A]

Oh, so this did just happen. Okay, so it is valid to bring up. Okay, good. Just wanted to make sure. Okay. And what happened? What did you even post?

[B]

Content, woman.

[A]

What did you post? What kind of content?

[B]

What of content?

[A]

Yes. What?

[B]

Oh, so you can ask me to go deeper, but I can't. Okay, you can ask me to go

[A]

deeper, but ask a question. I'm asking you a question. If you want me to ask. Answer a question, ask it.

[B]

Okay. Nudes and stuff.

[A]

Like so you're not pulling them up, are you? No.

[B]

Oh God, no.

[A]

This is.

[B]

God.

[A]

You print off reviews?

[B]

No, these are just like. That's like a menu. You know, a lot of people are

[A]

kind of like you off menu. Why do you have a printed off menu? I've never seen this in my life.

[B]

You've never seen a menu printed off

[A]

from an o F failure when they failure? Well, I would have said creator, but you did it for one month, didn't make any money because who's paying for that?

[B]

I mean, you stop made money.

[A]

What did you make then within that month?

[B]

Like, like 900.

[A]

Child support. Kind of crazy. Okay, so let's see. Voice notes, five for sweet, dirty, spicy or whatever. AI does that now. You bought a real person $35 for 10 nudes and already taken videos, so. Videos of what?

[B]

Whatever they want.

[A]

Sex videos.

[B]

I don't know if we need to get into like what the videos were.

[A]

Yes, we do. You were getting railed and you would send those?

[B]

No, I have never done a video with anybody else.

[A]

See, that's a shame because that's the only thing I would ever pay for. Who pays for solo content? That's so boring. What the. Like, if I am going to pay for something which only men don't. Yeah, they must be because that, that is pathetic because just go. Somebody getting railed.

[B]

So but like, then you don't have the personal connection.

[A]

I don't need a personal connection. I want to see someone getting railed.

[B]

Some people do need the personal connection.

[A]

Okay, well, like you said, losers. So that's 35 plus already taking videos. So it's just you jacking off.

[B]

I'm going to choose not to answer

[A]

that girl, you literally printed off a menu and you're not answering what you did though. You're the printer of the menu. Like, what the. You're ashamed of what you did? Then why'd you do it? You literally printed off a menu and

[B]

you can't talk about it.

[A]

Well, don't get a house if you can't afford it.

[B]

You also have a job. It's not my house.

[A]

You also have a job. Whose house is it?

[B]

My mom's.

[A]

Well, tell her don't. What? Tell her to move and sell.

[B]

She doesn't live there.

[A]

Who does?

[B]

Me. My mom owns it.

[A]

You have a job.

[B]

I know that I have a job.

[A]

You can do that. Don't pull the oh, I was a victim of the world and needed money. You believe it or not, guys have that as well. They don't just themselves. How do they do it. How do they figure out women are the only gender in the entire world that can't figure out how to make extra money other than prostitute?

[B]

I have no time to make extra money. I don't. Don't have the bullshit to that.

[A]

Yeah. There's moms all over the place, and it sucks. I get it.

[B]

I don't have any family around.

[A]

Child support. I know, but there are single moms without child. Dude, you think you're one of literally 300 million people in this country? No, you're not. It's. No one's that unique. I'm sorry. $25 Polaroid and handwritten note. Handwritten. Okay. $50 for a custom video. So literally, they could ask for anything.

[B]

I mean, I would say no if I wasn't comfortable.

[A]

You'd piss on your foot.

[B]

That would be something I'd probably say no to.

[A]

Really?

[B]

Yeah.

[A]

You said a limited urination. That's like, nothing. Who cares? I'll piss on your foot for 50 bucks.

[B]

I'm not into bodily fluids.

[A]

$50 for personalized photo. Other options. Sexting session. $20. And you let people FaceTime for 45 bucks. How long? 30 minutes. 30 minutes for 45? You don't value your time very well. 30 prices are all over the place.

[B]

They are? Yeah. Again, I didn't do it that long. I just got bored.

[A]

800 bucks. Which is honestly kind of a disgusting part of our society that people paid that much for nothing.

[B]

For nothing.

[A]

Yeah. You didn't. There was no sex videos. I. I really don't understand the point. Comment. Are you with me in this? Are you chat. Are you with me? Like, am I the only one here? It's like, if people are having sex, like, what am I doing? Like, I want.

[B]

You're kind of. They really talk to you about, like, their problems. Like, what their issues are.

[A]

Like, one, they need to seek therapy.

[B]

I mean, I don't disagree.

[A]

But you enabled it.

[B]

Of course. If I can, like, these random. I started, like, these, like, because these random men would act if you were

[A]

making money and this was your only way. Because I'm a.

[B]

Because I got bored.

[A]

Okay. What is. I got bored.

[B]

I just. I didn't want to stay up late anymore and do it well. I agree.

[A]

So just price it so high. That's what I do with my cameo. I hate doing that shit. So I just made it stupid expensive. And then yet some people still purchase it. Assholes. Thank you. But, like, I made it so that no one would buy it. I would do that. So you can at Least bring in money. Like crazy money. Like make it like a thousand bucks for something custom.

[B]

That's true. Oh, it shouldn't be anything you stopped.

[A]

So did you take it down?

[B]

Not yet.

[A]

A mother do. No f. How do you feel about that?

[B]

Great.

[A]

Really?

[B]

Obviously. No, I mean I didn't think I'd be here at you know, 29, struggling, but.

[A]

Why are you struggling?

[B]

I don't know. I feel like I'm.

[A]

Assess your life a little.

[B]

Why are you? I just like to have a good time and just make sure that we're.

[A]

Yeah. I mean BS was in the minimum hundreds. Which by the way for a 3,000 hour month income is not very good. But not only that, we had Unknown spending of 500 bucks. Unknown spending is confusing. We don't really know. It could be. It's. We. We don't know what it is. It could be Amazon, it could be Walmart. Necessities. Not necessities. Within other large purchases alone were almost 1800 bucks. Eighteen hundred dollars. And we'll go over there individually. We'll go over those purchases individually pretty soon. Oh, because random guys would hit you up on Snapchat asking for nudes, Demanding for nudes is why you set up a no one?

[B]

Yeah, like random people would add me on Snapchat.

[A]

How do they even find you a public profile? Well, why?

[B]

Because I would post gym content back then. So I don't do that anymore. But they would add me on Snapchat. Like I still have like hundreds of friend requests and then they would always want like nudes or to do that. So then one day I was just like, maybe I could make money. Cause I didn't want to do it.

[A]

I'm just telling you, you can be a whore in real life and we already know you are. And I celebrate that for you. You said it, not me. Your daughter's gonna be in school at some point. It's so easy to find pictures and it's just gonna be so embarrassing. Now we're finally having the first generation of. Of creators their K and there's so many embarrassing stories online. And this is out there forever. People own these pictures now.

[B]

I just think.

[A]

Oh, please.

[B]

That we should, you know, celebrate our sexuality. And I think it'll be more normalized.

[A]

I'm okay with normalizing sexuality. But your nudes are out there forever. And your daughter knows that you. If they're somehow mine or not. And oh my goodness, have I sent a large amount over the years? Just, it was a long time ago now, so I think I just Got lucky on that. Hold on, let me check. Caleb Hammer, nude. Okay. There's a shirtless picture. Pictures I've posted on my own Instagram. A couple of our people on our show with, like, big boobs, but those aren't me. A big hairy man. That's definitely not me. It's a shame. Yeah, that's a shame. I'm disappointed. I do have an LPSG that I don't have an account, so I can't do again. You need age verification in Texas, so. Well, what's. What. So you're. You're just okay if your daughter gets made fun of because mother has literal. Like her jacking off her vagina online?

[B]

Okay. And that was. That was very.

[A]

Okay.

[B]

I didn't like that.

[A]

Okay, so they're gonna see that, and your daughter's gonna be embarrassed. And you're okay with this?

[B]

I just. I don't know. I don't think she. I don't think they'll see it.

[A]

Well, but again, we have the first generation finally entering school, and they see it. And not only that, but you actually considered meeting up with a guy from of Colton's telling me that's dangerous. You have a daughter. Wait, Relies on you. She. She even had a guy ask her to meet up with her. And you considered it?

[B]

Oh, yeah.

[A]

Dangerous.

[B]

Snapchat.

[A]

That's dangerous. You have a daughter who solely relies on you and doesn't like this guy would be able to take care of her. Why didn't this guy try to get split custody? Just the distancing. That's it.

[B]

He did. Huh? He tried.

[A]

And why didn't he get it?

[B]

We live five hours apart.

[A]

So it was the distance thing. So the question that I asked, the answer would have been yes. So something else.

[B]

No.

[A]

Okay, you're doing the classic woman thing where you're just kind of avoiding answering a question and you're just giving a short answer.

[B]

Correct.

[A]

Because they don't want to talk about it.

[B]

No, it's just. Yeah, it was. It was the distance. I'm sure if we live closer, it would be fine.

[A]

Okay. Why are you living in Springfield instead of back home where the kid can have a father in her life? Because Springfield isn't giving you great opportunity. Make 30,000 bucks a year.

[B]

So I was moving. I had already moved. We broken up. Our lease was up.

[A]

No, I get it. But you're just like. It's not like you're taking advantage of Springdale in any kind of economical way.

[B]

It's just hard to advance. Public health is hard to make it

[A]

to a different industry. Take a.

[B]

My whole degree is public health.

[A]

Take a certification to course careers that I'll get you for free. A lot of people use that in the audience. Okay. I like a child having a father in her life. And it sounds like you're the one that's kind of the reason that he

[B]

could have moved closer.

[A]

Well, it sounds like. Where are you guys from in Wisconsin?

[B]

Madison.

[A]

Okay. There's definitely more opportunities in Madison, but it.

[B]

The. Okay, but pay scale for. Again, my degree. I have a bachelor of science.

[A]

Exactly. That's your choice that you're making and you're not switching fields and you're still early in a career field.

[B]

And I need a Monday through Friday job.

[A]

Yes. Am I saying get. Get a Saturday through Wednesday job? Like what. Did I say that? I don't remember presenting that as an option.

[B]

It's just to find a place that pays well on Friday during the day. No one does. People do it.

[A]

Yeah, I would say almost everyone.

[B]

With a career, very expensive. With UW with epic, it's very expensive.

[A]

But usually that is translated. And the cost of living is translated with the. The pay scale as well.

[B]

But they. The minimum wage in Wisconsin is still 7:25.

[A]

The minimum wage shouldn't matter. You're not making the minimum wage. 1% of the entire United States population makes the federal minimum wage. That has no impact on you and your job to move.

[B]

Housing would be more expensive. It would, sure.

[A]

But you.

[B]

Yeah, because I didn't want to live there anymore, so I was moving to

[A]

St. Louis, not want to live there anymore. Take kid away from their father.

[B]

I didn't know I was pregnant. And then by that time.

[A]

So I missed that part. I missed.

[B]

Yeah. I didn't know I was pregnant when I moved or else I would not have moved.

[A]

Okay. And when did you consider meeting this guy on snap?

[B]

Oh, back in the fall.

[A]

What made you choose not to. What happened fall back in the fall? It was a couple months ago. And why didn't you. Please, why didn't you?

[B]

Well, I mean, it was a. Probably you shouldn't meet up with a random person. Okay, good.

[A]

I wanted to make sure that it was a good reason. And that is a good reason for

[B]

a lot of money.

[A]

Much money.

[B]

Well, it was just like 500. That's a lot of money to me.

[A]

Considered ruining you being alive. Oh, and you're considering leaving Springfield?

[B]

Yes.

[A]

Then go back to Madison.

[B]

Maybe. Yeah. I just. I can't.

[A]

Because you have family support there.

[B]

I have her. Her family.

[A]

Or that is Family. Clothes. Not perfect. Almost there. That's kind of stupid. I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime also it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account.

[B]

They're not like. I don't know. They're not my parents like my mom

[A]

are the grandparents kid that probably love her, right?

[B]

Yes. And my mom. Well, the thing is my mother used to live with me right. Because it's her house. And then she moved back to Chicago to take care of her parents.

[A]

Then go to Chicago.

[B]

I can't afford to.

[A]

Oh my goodness. First of all, Chicago is like the cheapest major city in the entire country. First of all, let me just say that second again, you're right. You can't on the Springfield income typically that fall in a place like Chicago. This isn't New York where you're right, that is hard. You need a massive, massive income adjustment to go there. Chicago is one of the cheapest. No, it is the cheapest major city in the United States. Major city. I'm in Detroit. But are we considering that a major city? You know like a major powerhouse city. It's third population about to be four passed by the Dallas metro.

[B]

But either way my minimums they're just. They're too high. Like my debt. My debt.

[A]

Then take care of that asshole. What the F are you doing? Why are you spending literal potential thousand five hundred on bullshit? If you're into. You want to leave Springfield? I'm being told yes, I would like to. The options are in your brain because you're considering and wanting to leave.

[B]

Possibly. Chicago is on the list of which I just said.

[A]

And you said no.

[B]

I said it's expensive now once this is paid off, hopefully one day in years you're spending thousands on bullshit and

[A]

getting subsidized by your mom. Golf. Go on. What other options which will by the way be a couple hours closer to the other side.

[B]

I do know that. Yeah. Which is good.

[A]

That is good. We like that.

[B]

We do.

[A]

Where else

[B]

considered St. Louis.

[A]

No, there was like almost no bigger declining city in the entire country. Go to A place with economic. You're literally complaining about your job and income and you're going to. You're considering places with worsening and worsening economic opportunities. At least Chicago, it's a mess, but it's decent.

[B]

St. Louis has a lot of perks.

[A]

A lot of people leaving. Yes, same with Chicago. But St. Louis, no. What are the perks in St. Louis? The architect. Cheaper housing, dude, you know, the income follows with that. I don't understand. Yeah, go live in the literal middle of Alabama. It's the cheapest housing you'll ever find. You'll make minimum wage, the 1% that actually makes federal minimum wage. That's where. Yeah, I don't understand why.

[B]

I understand that. I just.

[A]

The cost of living is higher in some places.

[B]

Yes. I guess I've just always looked more in like my field for like jobs.

[A]

First of all, you already make basically not great income. I know to be very clear, at your age is fine. But if you're making the same level of income, inflation adjusted, by the time you're in mid-40s, it's going to be horrendous. And I feel like with where the scale is going on what you do, it's going to be around there.

[B]

If I stay like at that one

[A]

place like where I'm working now in health inspection.

[B]

Yeah. Like last year we only got 2% raise, so it was rough.

[A]

Why don't you switch industries and get some education? Like again, we're getting you free certification. Why not? Yes. You might have to start low totem pole.

[B]

I just never.

[A]

That'll still probably be the same income you're making now. And at least you can work your way up through something with a more career opportunities and of is not a career opportunity, especially for you. Like, I'm sorry, you're competing with Sophie Rain, who's one of the most attractive people in the history of the world. Probably has aids. Huh?

[B]

Ari Kitzia.

[A]

Huh?

[B]

Ari Kitzia. She's hot.

[A]

Oh, I'm getting a thumbs up from Brandon.

[B]

Yeah, she's. She's dating Young Gravy now.

[A]

I don't know why I know Young Gravy, but. Oh, he's talented, but I haven't asked him about his oaf girlfriend.

[B]

They started dating like last year, I think.

[A]

Well done, Mr. Gravy. I appreciate you. Okay. And. But it's just like, you know, there's a lot of competition out there. That's not the career opportunity that I think is taking you to the next level. Clearly what you're in isn't Doing that either. And the child support is minimal at best, so. Oh, you have no plan, do you? No, just latching yourself to this thing. You're right.

[B]

I'm just surviving.

[A]

But barely. You're being subsidized by your mom. You're spending thousands on like. What the are you surviving? What are you talking about? We're survival. I don't see survival. You're being an actual child even though you have one of your own. It doesn't make any sense being subsidized with mom.

[B]

I don't know. I don't think it's like that without your mother. We do love her. That's a fact. She is a great woman.

[A]

Okay? She might be enabling her daughter of actually getting her together and taking care of her life for the very first time. How much debt do you have?

[B]

I think around 40,000.

[A]

Okay. It's rounded up about 50. How do you not know? How do you not know? You said you're trying to take care of this. Aren't you supposed to be a responsible single mother or you just throwing it all away?

[B]

I thought it was 40.

[A]

Yeah, wrong again, idiot. Okay, well, it's.

[B]

I must be missing something.

[A]

Technically in the 40s, but it's basically 50. Why are you so off? I don't know, like off by 2010? Something like that.

[B]

Yeah, that was pretty off.

[A]

Yeah. Why. Why do not. Why do you not know your financial situation at all?

[B]

Well, I.

[A]

Because you have. You're not like a single person with nothing, no responsibilities, nothing. Just around having some fun. Doesn't matter anymore. You literally have a five year old. You don't get the around. It is your responsibility. You do not have that choice anymore.

[B]

I mean, I tried to budget.

[A]

What have you tried? Where's your try? Tell me or try? I haven't heard. I haven't seen try. Where's the try? You tried to budget? Cool. Tell me how much went out last month, please. Trying to budget. Please tell me. No, you don't get to see.

[B]

Four. Four thousand? I can't. I'm not wearing my glass.

[A]

$3,823 for this extent. Why the would that even be an option? Trying to budget. Where's the trying to budget? I don't see trying to budget. That's more than you make by far. So where the is that going? Trying to budget. I haven't seen trying to budget in here whatsoever.

[B]

Money. I got rocket money. I doesn't matter if you don't use it was going and did you see a lot?

[A]

Did you see? Do you see? Do you see? Yes. Yes, I see. You check a lot, yet you spend more than you make that make sense. Put that in your budget real quick and make that math make sense to me. Why do you spend more than you make?

[B]

I feel like that was, like, the first step, you know? Like.

[A]

Sure, first step.

[B]

Like trying to figure it out.

[A]

Why haven't you moved on to step 2, 3, 4, 5, 6? Why are you on first step at the point of step 10?

[B]

I'm just not good at it. It's something I'm not good at.

[A]

Good. It's automated. What the wrong with you?

[B]

No, like, sticking to the.

[A]

But, like, why hold yourself accountable? What are you not doing? You have a child. You need to be accountable. You need to be held accountable. You need to force yourself to be accountable. You have a dependent. In what kind of world do you think it is, okay, excusable, potentially even cute, to not pay attention to your budget and hold yourself accountable? Why? What's wrong with you?

[B]

I just feel.

[A]

I don't know. What do you feel? What's feeling? Other than being a slut online?

[B]

Like, sometimes we have to, like, have fun.

[A]

I don't have fun. You have to have fun. You have to have fun more than make sure your child is set up for success. Make that make sense. Why are you trying to have fun? Why is that important?

[B]

So she can have a good childhood.

[A]

Good childhood? You're throwing away. Good luck ever finding anything for her ever. Especially if this house goes away for whatever reason. Who knows why? Maybe not like not paying property taxes.

[B]

I paid them.

[A]

Okay. For now.

[B]

Started this year or last year.

[A]

Yeah. You post your literal roasted beef online in order to get it, so.

[B]

I thought it worked.

[A]

It worked.

[B]

For now, at least for half of it.

[A]

People start olf strong and it goes down 99 of people. It's 1% that make it so. What are you talking about? Why is fun more important than actually establishing a good future for your child? Being able to pay for her things when she's in middle school, high school, those extracurricular activities, maybe even to study abroad, going to college, being able to pay for her college.

[B]

I guess I get a first car. I think it'll all kind of work out.

[A]

And how does that work? Tell me, how does it all work? Why do you think that what's suggested in here is leading you to thinking it's all going to work out? Right now I'm seeing it's all worked out to you being $50,000 in depth, relying on your mother, and literally posting Your hairy titties online to be seen. I wouldn't say Harry jerk off to onto the phone where your hairy titties are.

[B]

Why do you call them hairy titties?

[A]

I'm just assuming based on this.

[B]

On this.

[A]

Yeah. Well, how many people have. It's not going to be very unique if I do. Okay, so what is suggesting that it'll all just work out very quickly. How are you going to make more in your job? That doesn't make any more 2% raise. So you saw you got a 2% raise. You saw that this career has no career trajectory. You say it yourself. Where's your make more? Tell me how you're thinking you're making more. I don't see make more. What does your make more?

[B]

I haven't gotten that far yet.

[A]

That far? Like that's about two seconds.

[B]

I don't have a plan together yet. I'll get a plan.

[A]

What's your. What are you talking about? I'll get a plan. What do you mean? Why don't you have a plan? If you're gonna get a plan, why is it always get a plan? I got a plan.

[B]

I just don't have one yet. Why get one?

[A]

Why you started months ago. Where's your plan?

[B]

In the works.

[A]

No.

[B]

Okay.

[A]

Whereas it. Where is it in the works then? What's been worked in the works? I want to see what's been worked out. If it's in the works.

[B]

Yep.

[A]

So you. There's no plan. What are you talking about? You're just gonna process yourself again. You almost got railed for 500 bucks. You almost.

[B]

That's wild.

[A]

Come on. That 100% almost.

[B]

I didn't go.

[A]

Yes, you were considering meeting up with a guy who is definitely gonna you in one of your holes for $500. Are you kidding me? Prostitute. That's what this has led you to. And Harry Titties online being enabled by mother and no career track. Sure, I'm okay with it. Yeah. Two consenting adults decide to do that, but that's what it's leading you to and it's not legal, so. 500 bucks, by the way. Not a great price. At least charge a thousand. I don't know if you're worth that. I'd say no, but either way, you can at least try. So that's where it's led you. To plan. That's been your plan. And you have nothing worked out on a plan. Why are you considering a plan if you're not even actually looking to make a plan? There's no plan. You haven't sat down to even look at what might be a plan. You can't even look at your budgeting app. Not as good as dollar wise, by the way, but I get it. You have no accountability. You literally flew in last night and went on the town with your sister and spent a ton of money. Accountability? Where's the accountability? That's not accountability. That's you spending a lot of money on the town and hope. Probably hoping to get railed. No, no, no, no, no. You're traveling, not hoping to get railed. We all travel and hope to get railed. Nah, we ain't doing that. Hopefully we ain't doing that. Hopefully not, but we still gotta.

[B]

I do not.

[A]

Well, not get railed. Be the railer, the lane of rails or get railed.

[B]

No.

[A]

Okay, so you just went out and you parted, spent all your money, even though you have a daughter at home that you're not taking care of. Your mother's taking care of her. She's subsidizing, paying for the house. Let's be honest. Come on.

[B]

Me leaving for two days is not. Not taking care of my daughter.

[A]

You paying and blowing all your money instead of actually setting up for any kind of success is not taking care of your daughter. Thank you.

[B]

I take care of her.

[A]

She has fun. But your mother essentially is subsidizing everything. She's taking care of her. You don't make enough money. No college will be paid for. No car will be paid for, no help will be paid for, no extracurricular activities will be paid for. If there is a medical need that requires a certain kind of diet that is not going to be paid for. There is no way.

[B]

So we'll get there.

[A]

We'll get there. Yeah. Your daughter's really going to love. We'll get there. When all of a sudden that's recording, you're like, oops, didn't have it. But we'll get there. It's always, we'll get there. And after we got there. That's great. That's. That's a wonderful, selfish mother going out on the town when she can't afford it. Not even to save her life. $50,000 in debt, nothing to show for it. Literally $500 to go take some dick. Come on. What a sick excuse. Sad. Pathetic. What are you doing? I'm just confused why you've attempted nothing to do this.

[B]

Attempted nothing?

[A]

Yes. You downloaded an app. Well done. We're all proud, but you've attempted nothing. It's always, go get a plan. It's always I will budget. Why have you never sat down and actually tried anything in your damn life other than it's all in the future forever. You have a child. That's where it upsets me. If, again, if you had nothing, no dependence, no nothing, we can have a fun little conversation. But you, you got a five year old. They're about to enter the public school system. You, we're all gonna be subsidizing you for the rest of our life. You. Why aren't you doing anything?

[B]

Asshole who subsidized me? Just.

[A]

Oh, why would child tax credit. No way. You pay net more in taxes. You were subsidizing you?

[B]

Absolutely.

[A]

I don't want to hear it. You get more than you give. You're a taker, not a giver. And there's no chance. Absolutely. That is true. 30,000 hours a year. Good luck. You don't give. You don't give. You're not a giver. And you're never trying to do anything in your life to move forward in life and actually contribute.

[B]

I went to the world in a productive way. I don't have student loans.

[A]

And how'd that happen? Yeah.

[B]

You've never done anything. My workplace.

[A]

Huh?

[B]

I. My workplace paid off my student loans.

[A]

Oh, okay. How much student loans were there? So you did take student loans for what it's worth?

[B]

Yes. 28,000.

[A]

I don't even know what this note means. Colton said, well, she does have a boyfriend. Kind of. He's 25. Although she admits she usually only dates 22 year olds. I'm like, what? What's happening?

[B]

I usually don't like things that are serious. I don't. So I date younger because people my age like serious relationships.

[A]

So you're literally just looking for hookups?

[B]

Well, not anymore.

[A]

That's okay.

[B]

No, I'm not anymore. I met this guy. I like him. We.

[A]

You're dating?

[B]

Yes.

[A]

It's happening.

[B]

Yeah.

[A]

Where are you in this relationship?

[B]

Very new. He knows about my dad, though. I've already told him because I wanted to be very clear.

[A]

Oh, they met because I like Snapchat. So you are meeting guys who Snapchat. It's like he met a guy through Snapchat and you.

[B]

He literally.

[A]

No way.

[B]

You did it. We went on a date at the end.

[A]

Yes.

[B]

It was a day.

[A]

It is not normal to meet a random Snapchat. Not on Snapchat. That is weird. A random ad on Snapchat meet up? Absolutely not.

[B]

Through dating apps. People meet all the time.

[A]

It's like dating apps is Meant to meet people. Snapchat is not a random ad. On Snap is crazy.

[B]

Literally, like, one of, like, the biggest ways to communicate with multiple people. Like, I know you're, like, 40, but, like, it doesn't work that way.

[A]

You're one year younger than me.

[B]

What is wrong with you? Older? I don't know. It's something about you.

[A]

What are you talking about? You're the one with dents all over your face. That age you, like, 30 years.

[B]

I know. No. My skin's so bad.

[A]

Yeah, it's horrendous. Are you talking about I look 40? What are you talking about? You look.

[B]

I said it was your energy that gave 40 energy.

[A]

What are you talking about? I'm carrying this whole conversation. You can't contribute anything. Just like the society. Okay, so you're meeting randos on Snapchat.

[B]

No, I don't think I'm random off Snapchat until you did and it was him. I'm just saying people meet online all the time.

[A]

They do in meeting apps. Snapchat is not a meeting app.

[B]

Could be.

[A]

It's risky. Could have gone aids.

[B]

That's wild.

[A]

People don't get aids.

[B]

That. Before you hook up with somebody, don't ask for their test results and look at the negative results, look at the negative result.

[A]

What happens if. Until they. What if they got something before? By the way, HIV doesn't even show for three months.

[B]

You make them test before you hook up.

[A]

Did you raw that night a random snatch had added you, Rod? I mean, I would have too, but I'm gonna shame you for it.

[B]

And we had talked from, like, weeks before that. Weeks?

[A]

A random Snapchat ad is crazy. I've never heard that.

[B]

If you have a public profile, random people can add you.

[A]

Yeah, no, I don't meet up with them normally.

[B]

I don't either, but.

[A]

No, you did.

[B]

Yeah, well, he was like, they're not people. They're not people.

[A]

Like, profiles, like on Instagram or something. I would accept. I've done that. A random. No, it is not there are. You see their friends, you see their followers, you see their everything. You see their life.

[B]

Yeah. And we added each other on social media. Before that. We literally talked on the phone. We were talking for weeks. It's not that weird.

[A]

Snapchat's the grinder of the Straits. Might be from the way you've used it. Used it to take some raw semen. It could. Did he finish inside of you?

[B]

That's a good. What?

[A]

Did he finish inside of you?

[B]

Which time?

[A]

When you first Met that night. I know it seems like a deeply inappropriate question. It's because it is. But I am also making a point here. Did he. The fact that you're not saying no means yes, he did. That's crazy. So that's crazy random?

[B]

Well, first of all, it's crazy.

[A]

We'll tell you why it's crazy, huh?

[B]

A lot of people have like a. You know, a cum thing. A breeding kink. Is that what it's called?

[A]

I'm glad we're learning. A bunch of kinks. No, no, no. I'm just saying the example. Listen, you were dating a guy. He did that. That resulted in a child.

[B]

I got my tubes removed.

[A]

Oh, okay. There we go. Okay. So. Okay, that removes half the concern. The second half of the concern is, I know you did the little test result thing, but people are liars. Even though it's against the law, people are still liars.

[B]

No, you have them pull them up on their, like, phone.

[A]

I know, but something can happen before then. By the time.

[B]

Within like, 24 hours.

[A]

So he got tested 24 hours before. What about the fact that HIV can be untestable for three months, even though still contagious? Contagious, huh?

[B]

Prep.

[A]

You're on prep. Whoa, A straight woman on prep.

[B]

It's smart. If you're having unprotected sex, honestly, you're a whore.

[A]

And we love it.

[B]

You gotta be responsible.

[A]

You're certified. If you're. If you are a straight woman on prep, you are a whore. And I love that for you. And I love that for you. That's great.

[B]

And now I'm tied down, so not a whore.

[A]

No, that's great. Just. But taking a raw load meeting on Snapchat blows my mind. I was trying to make a point here, but you're right. You actually did the same steps.

[B]

Thank you.

[A]

I will accept it. I will accept it. I will accept it. You're on prep. And you're right. If you get. If you got gonorrhea committee, it doesn't matter. It's a pill and it's gone, so.

[B]

Yeah. That one's so curable.

[A]

You've had those, right? Every horror.

[B]

When I was younger. Yes.

[A]

Everyone has when they were younger.

[B]

You never. That's wild. I feel like everyone gets, like, an STI at least once in their life.

[A]

It happens in college. It's okay.

[B]

It.

[A]

Yeah, we accept it. Okay, well, I think I at least understand you a little bit more. Now we'll get into the finances. What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best.

[B]

0.

[A]

Okay, listen, if you want your Hammer financial score, see where you stand in the world of money for free@caleb hammer.com just takes a few minutes. See where you're doing poorly, what you need to do to improve and where you are doing well. That is for free@caleb hammer.com and also if you don't want to be like a guest who ends up on the show, make sure you take prep and also download the dollar wise budgeting app again. There is a free trial. Tens of thousands of monthly active users using it to change their life for a reason. Because it's incredible. New features being added every single month. It is the future of budgeting apps. And if you sign up only through the end of March for the annual version, I will personally sign my budget friendly cookbook and mail directly to you. It is going away at the end of March. This is the last chance to get it, then it's going away. What do you think your hor score is? 0 to 10. 0 being no Hing 10 being ultimate whoring 12. She's a self aware on that part, huh?

[B]

What?

[A]

Herps filled whore. We love her for that. If you want your score, go to calebhammer.com forward/lifelock. How can I help?

[B]

The IRS said I filed my return, but I haven't.

[A]

One in four tax paying Americans has paid the price of identity fraud.

[B]

What do I do?

[A]

My refund though.

[B]

I'm freaking out.

[A]

Don't worry, I can fix this. Lifelock fixes identity theft guaranteed and gets your money back with up to $3 million in coverage.

[B]

I'm so relieved.

[A]

No problem. I'll be with you every step of the way. One in four was a fraud paying American. Not anymore. Save up to 40% your first year. Visit lifelock.com podcast terms apply. See where you stand in the world of Whore where you need a whore more and where you're not whoring enough. Good, good.

[B]

I like that.

[A]

Well done. Okay. Discover. Discover it. Discover it. It's what most men discover that, oh, I got bumps on my dick after I slept with her. They discovered it. No one has what has been discovered in this one. Oh my gosh. Can I tell you, I thought I had herpes once and it terrified me.

[B]

No, me too. It was after I like shaved.

[A]

I coaxed her into it. She has herpes.

[B]

No, I don't have herpes.

[A]

She has herpes.

[B]

After shaving. You get shaving bumps. And I went to the doctor freaking out and they're like, dear God, they did. They swap them. They're good. I just go to the doctor all the time. Like you need more?

[A]

Yeah, I just had a zit. You had herpes. Okay, so Discover It. What happened?

[B]

You didn't know how many, how many

[A]

STD treatments were spent on here last month?

[B]

Discover. Okay, Discover It. Why Discover It.

[A]

That's the card. Discover It. It's not just a traditional discovery guard. It's Discover It.

[B]

Oh, I didn't know that there were.

[A]

Well, I don't know if you have other Discover cards.

[B]

No, I don't, I don't, I don't.

[A]

You have a shit ton of cards, so I don't know. Okay, Discover It. What's going on?

[B]

It just added up very quickly. I originally opened it, I think in 22. 20. 22.

[A]

Wait, you used to be a manager? Does that not pay more than what you're doing now? Were you a gm?

[B]

I lived in Madison at the time.

[A]

But still it's from Illinois, so it's from that area.

[B]

Yeah, I was there. I worked from 17 until 21. Were you a GM eventually, yes.

[A]

Didn't you make more than you make now?

[B]

Um, no, because it was. I mean, it was back in like 2016. I would say it was, but you

[A]

were GM, inflation adjusted for sure. What were you making? What was your salary as this gm?

[B]

I think now it would be more. Yeah.

[A]

What was your salary as the GM in 2016?

[B]

40 something.

[A]

Oh my goodness. Yeah. Probably about 50 then today, I think.

[B]

I think pretty high today.

[A]

Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code Caleb. It's a win win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of Choice these days is webull and get a 2% match on all of your money that you transfer over. And finally sign up for automated investing with acorns. Typically the sign up bonus is only 5 bucks but with my link you get $20. Ladies and gents. You get money, I get money. Enjoy. Links are in the description below. Why the don't you just go be a GM at Jimmy John's? You make money.

[B]

The hours were grueling.

[A]

Well, you have to show up really early and it's.

[B]

Well, that wasn't bad.

[A]

Isn't it like. Well, it's like Wednesday to Sunday, right?

[B]

Yeah.

[A]

And you get Monday and Monday and Tuesday are your off days.

[B]

So that's part of the issue. And then. Yeah. So just like it.

[A]

You can make more money right now even just in food service.

[B]

You could g up any like food establishment and it you would be.

[A]

But maybe there's better hours. Panda Express plays over a hundred thousand.

[B]

Yeah.

[A]

And maybe it's Monday through Friday. We don't even know like you're right. It just shows how you make nothing and any other job will pay you more as long as you actually buckle down and do like career position, not just like hourly. Okay. Okay. Continue Discover at what?

[B]

I think that one mainly goes. I know we went to back in 2022 and to Disney.

[A]

That's stupid.

[B]

But yeah, I didn't.

[A]

You still owe on it.

[B]

I don't know if it's from I

[A]

don't know, 2022 Disney. What world Are you still going on a credit card? That is great interest up the dick.

[B]

Well then I also put like stuff on there.

[A]

Oh yeah. Going to St. Louis recently?

[B]

I do go to St. Louis quite often. Why my why? My best friend lives there.

[A]

Why?

[B]

I don't know why she lives there.

[A]

Yeah, that's her.

[B]

She likes the city.

[A]

Worst city in the country.

[B]

We have fun.

[A]

No, no you don't.

[B]

We saw a sexy red.

[A]

You don't. Huh?

[B]

We saw a sexy red there.

[A]

Yeah. Go see her in a better place.

[B]

Where?

[A]

Everywhere else.

[B]

Yeah, so that one like sometimes I'll put like concerts on there or literally

[A]

drive an hour away just to go to seven Brew all the time.

[B]

They're opening one though. I'm so excited.

[A]

Oh no, that's horrible. That's horrible. Seven Brew.

[B]

Close.

[A]

Close. This location you're about to open before she it up.

[B]

I'm so excited.

[A]

No, they're gonna fund their entire opera. Go be a GM. Is 7 brew.

[B]

That's not a bad idea.

[A]

No, it's not. There's so many good ideas and yet you do none of them. You drive an hour away to go to this place and spend money. So gas for coffee. For coffee? What even is seven brew? I know it's coffee. What's so good about it? It's a chain.

[B]

They just have a lot of sugar free flavors. And I like sugar free flavors.

[A]

What the is wrong with you? You have a child. Well, I drive an hour away for coffee.

[B]

The hour. I mean, that's also where the guy I'm seeing lives, so.

[A]

Oh, my death. Let me see this man. It won't be put on screen. Let me see this man. I need to see what this man is accepting. What kind of. What kind of guy? Like, we all need so that we can whore, but no one wants to settle down with a whore. Speak for yourself. Hey,

[B]

I'm trying to find like a photo. It's like.

[A]

Okay, I'm sorry. That is sexist. Because you're right. Men are horrors. And they don't want to settle down with horse. It's a weird thing. I get it. But listen, I don't sugarcoat. That is just the reality of out there. Culture might change at some point, but it hasn't yet. You don't have a picture of this guy, the guy that's railing you?

[B]

We do have a picture.

[A]

Okay. Yeah, it makes sense. Okay, Got it. Okay. Looks match. We love it. I got lucky. I'm down here, but like, at least, you know, you're both down there. 20 years to pay this off. Your child will be done with college. She'll be five. She'll be like three years into a career by the time this is paid off. Just for the sake of you going to St. Louis to see sexy Red. Just for the sake of you going an hour away to seven Bruin. Take some seven inches. We hope for your sake, because he needs something. Just. I don't.

[B]

I don't know. Yeah, I want to pay. Obviously pay that card off.

[A]

You paid your minimum payment and then spent money on it. You want to pay it off? Where's the. You want to pay it off? I don't see you wanting to pay it off. Dude, it's maxed out. You want to pay it off? Oh, it's over. Maxed out. You want to pay it off? You. You want to pay it off? What are you talking about? Credit score 582. You want to pay it off? You over the credit limit by $40. You want to pay it off? $0.72 as well. You want to pay it off? I want to pay dollars 91 cents of interest paying it off. That's not pay off. Paying the minimum to pay for it. You only paying it off. Minimum payment takes you to 20 years. If you don't even purchase yet, you purchase 25.89. What is your wanting to pay it off? I don't see you wanting to pay it off. You wanted to pay it off. Liar. Liar.

[B]

I want to get some work done, so I want to pay that off so I can put it on the car.

[A]

Yeah, well, you're gonna need a lot. What are you starting with?

[B]

My skin?

[A]

Yeah, that's what I would have started with. Okay, how much is that gonna cost? What are you gonna do? Scar removal? Maybe the answer is yes. Okay, good. That's good. We all had zits. Some had worse. But I'm glad you don't anymore because you get sugar free.

[B]

Yeah, I stick to a pretty strict diet.

[A]

That's good. That's good.

[B]

An exercise regimen.

[A]

We don't need middle school craters. That's good. Okay, what's that going to cost? Because I encourage it. Listen, that self confidence and it's also. Yeah, it's good. Yeah.

[B]

Yeah.

[A]

How much is that going to cost?

[B]

It depends on like how many sessions. I won't know until I go.

[A]

What do they think? What have they projected? Have you sat down for a consultation?

[B]

Not yet.

[A]

What does the session cost then?

[B]

I would say like 500. Because it's like kind of like. Yeah.

[A]

And this is a extreme. Mild or light case? I don't know, I haven't studied. I. Listen, I got my creators. I got them. I got them too.

[B]

Outside's pretty bad. Okay, extreme.

[A]

So what is that, like five?

[B]

I'd say at least like one session a month for at least six months.

[A]

Oh, boy, that's a lot. So it's a 500 monthly payment every six or for six months?

[B]

I think so.

[A]

And you want to clear up this credit card instead of taking your child even more. It's so that you can do facial reconstruction of which again, I do support this. I want you to do this for self confidence, for many reasons. For the. For the guy that's sticking it in, you know, I want you to.

[B]

Why would I do it for him? What?

[A]

Well, so he can be more attracted to you.

[B]

I'm sure he's attracted to me.

[A]

If I said more. More.

[B]

I don't.

[A]

You don't want him to be more attracted to you?

[B]

I mean, I wouldn't do it.

[A]

I want my girlfriend to be more attracted to me. Why?

[B]

I Wouldn't want to do it for

[A]

something you don't want to be more attractive.

[B]

You should do work for yourself.

[A]

But it's okay to also want to be attracted and attractive.

[B]

Oh, I don't really.

[A]

Feminist power woman doesn't care about other people, huh? Come on, we all want to be more attractive to other people. Shut the up. What is this performative crap? Shut the. Of course you do.

[B]

Okay.

[A]

Of course you're doing it for you. Yes.

[B]

Yeah.

[A]

But you're doing it also because you want other people to be more attracted to you.

[B]

No, I just want to be able to not like, wear makeup. Pretty much.

[A]

Okay, great. So instead, again. Oh my goodness. You've already booked a thousand 100 hair extension for next month. What about future of your daughter? What are we doing? What are we doing? Hair extensions for $1,100.

[B]

Because my hair is really thin from like years of issues. So.

[A]

What issues? Aids,

[B]

Not eating and then what is it called? Sorry, I'm like, nervous.

[A]

You got some. You got a little. You got a touch of the anorexia. Touch of the Ariana Grande.

[B]

Yeah. And then pregnancy.

[A]

I'm glad you don't.

[B]

You don't anymore. Breastfeeding takes it from you a lot. Yeah.

[A]

From your hair.

[B]

Well, all the nutrients. All the nutrients. Takes to feed the kids.

[A]

That's true. When I breastfeed Brandon, I do start noticing a bald spot. So I told him to take a break. But, dude, I have to lock my door. That man's trying to get to my tits so hard. I'm just trying to grow it back a little right now. See, I'm trying to grow back. That dude is busting down my door to try to latch on though. Brandon, calm down. Calm down. No titty milk today. You gotta give me a month. Okay, Yeah, I get that. I get that. Titty milk takes away. I've heard of. I've heard about it. You okay? Am I going too hard? Well, I. I can. I'm happy to back off. I know, I know, I know we're going a bit hard. I'm gooned up today. I'm coming in guns a blazing. But I. I don't want to actually,

[B]

like, really, like, don't know why I'm doing this.

[A]

No, it's okay. Because the episode's crazy and it's. It's hard. Of course, you know, lots of onboarding and got permission for literally every single thing I've said, but you know, in the moment. Listen, if it's. If it's too much right now, I can I'm happy to back off. Well, okay.

[B]

I think it's just nerves.

[A]

There's. Where do the tissues go? How. How can they be there and then all of a sudden they go away? Mark, what were you planning on doing back there? Holding a box of tissues? You freak. Love you freak. Mark sees women crying and he takes the tissues and brings them closer to himself because I think he's about to jack off.

[B]

Mark, we can keep going.

[A]

It's fine. Okay. $107 minimum payment. Again, you're over the limit. Takes 20 years to pay off. Credit score is horrendous. This is rough. It's for an apple bill. And it's for something. Zoo. Some zoo thing.

[B]

Yeah, we went to the zoo.

[A]

But again, just to max out a credit card. This indicates you cannot go to the zoo if you have to put it on a credit card that gets maxed out. It's as simple as that. I want you to give your child fun things. I do. They're a child. They want fun things. You want to give that? Was it for your child or was it for the date?

[B]

Oh, no, that was for her.

[A]

Oh, thanks. Okay, so Elise, again, there's a part there that I want, but this is telling you that you cannot afford it. As simple as that. Listen, I'll let you use the FIZ card, debit card. That builds credit. Okay. And you need to build credit, but you can't spend more on your checking account than you have.

[B]

A lot.

[A]

Yeah, Yeah, a lot.

[B]

I went through like a time where I couldn't like keep up. Obviously.

[A]

And you're at that time.

[B]

Yeah.

[A]

That are 26.99 interest rate. What's the point of putting these things on here? That over like you got a cash back bonus of 26 cents. All that for this, all this for that. It's just. Okay. Quicksilver 1. What's happening?

[B]

Oh, God. That one was opened for you Got pre sale tickets to the ERAS tour.

[A]

For the ERAS tour. The ERAS tour?

[B]

No, I think it was her last tour.

[A]

Don't come after me. I don't mean it like that. I just mean you can't afford it is what I'm specifically saying.

[B]

Yeah, I mean that was years ago, right?

[A]

What a year ago?

[B]

It was in 2023. 3.

[A]

Why do you listen, it's still maxed out for air. As to her Taylor Swift. 2023.

[B]

Max out for like

[A]

for that Taylor.

[B]

Yeah. And then like. Yeah, then this year, like four concerts.

[A]

Sexy red.

[B]

No, that was 2023. 24.

[A]

That was 22 in 20, 25 concerts to max out the card and keep it maxed out to never pay it off.

[B]

Like who the did you see Hobo Johnson? But that was a free Hobo Johnson.

[A]

Hobo Johnson.

[B]

Yeah. I would say the tickets aren't super expensive.

[A]

We don't have knowledge of Hobo Johnson here. What's the next one?

[B]

Cake.

[A]

What Cake?

[B]

It's like a 90 divorced 90s dad band.

[A]

Well, you speed ran that with your ex. Okay, number three,

[B]

who's that girl or no, not a girl. Oh, on a sav. Did I go to a girl this year? I don't know.

[A]

We're maxing out for these people.

[B]

Number hierarch number four, a hoser.

[A]

Okay, you got one. I do love a good hosier and

[B]

it's not like I don't even think it's a good. The concert takes.

[A]

His voice is incredible live. He is such a good performer. He gets a little ranty on social issues that he's not really informed on, but he is, he's. Yes, it's a little performative. Yeah, that's okay because he is a performer. So I get it. And also just blowing $60 every second of your life for new Alani flavors because you're subscribed to their website. Stop.

[B]

Okay, I love Alani.

[A]

You're done. You're switching to gamer subs. Just like your, what was it? Seven brew. You're making coffee at home.

[B]

I just got rid of my espresso machine.

[A]

Quiet. Now you're making coffee at home and instead of a Lonnie, you're making energy drinks at home. These are free samples to see what flavors you like. They're very goony names. I get it. But literally every single person who's been on the show that has tried it loves it. All the commenters who have tried it love it. It is incredible. We blind taste tested energy drinks. This tied first place. It is incredible. These are free samples. Then using you know, code Caleb gamer subs, blah blah blah. Link in the description below. You can get free samples right now to see what flavor you like. It's 40 cents a serving once you buy the bulk packs. 40 cents a serving, you're making coffee at home. No more. Seven brew. You have a child. You're not on an Alani list anymore. Unsubscribe gamer subs is what you're doing now. 40 cents a serving. Stop, stop, stop, stop. You have max out credit cards and a trip child. It is no longer an option. You owe on a $500 balance. $493.16 with a minimum monthly payment of 25. You started way over, maxed out the previous month.

[B]

Which one's that?

[A]

Huh? You. What? What you call me?

[B]

No, he said, which one is that?

[A]

Quicksilver one.

[B]

Oh, it's the same. Okay. Yeah.

[A]

You have hundreds in interest charged last year already. Hundreds upon hundreds upon hundreds. Oh, my goodness. Are you clarning? Affirming. What is this? I think it's affirm.

[B]

Affirm.

[A]

She's an affirm girly. Who would have thought? Probably concert tickets. Nope, it's all Amazon. Oh, my goodness. $640.61. Crazy. Crazy. I'm gonna assume your minimum payments are about 150 bucks. Pull up your Amazon, start a screen recording. Let's go. But you met a separate lover of your life at a Chicago concert. Are you gonna leave the current man for that man once you finally learn his last name? Because apparently you don't know his last name or anything about him.

[B]

Goodness, no. That was just after the Hubba Johnson concert. He was an Australian man.

[A]

Another random rail.

[B]

We did not hook up. We just made out waiting for it.

[A]

You're dreaming of the rail, but he

[B]

was Australian and he had long, beautiful hair that went into his shoulders.

[A]

I've been on this trend. I know the trend you're doing.

[B]

No, that's the.

[A]

You're on the zero calories, sugar free.

[B]

My mom ordered those. And that was for. Those are for my grandma. My grandma likes them. What is.

[A]

My mom's here on Amazon because I'm not seeing them.

[B]

Those are from months ago.

[A]

Gentle 100. Yeah, but they're still financed. Okay.

[B]

No, those aren't. Those are my mom's orders.

[A]

But on your affirm.

[B]

No, no, no, no, no.

[A]

Your affirms are still being paid for.

[B]

Oh. Yeah. So I'm saying my Amazon blanket, that was my mom.

[A]

You got. Okay.

[B]

And I. I got rid of my prime, so I don't order anymore. But good.

[A]

I mean, laying down towels, I'm sure you need to. That's a good thing. Oh, never mind. She doesn't. That's a bad thing. He doesn't do his job properly. That's not good.

[B]

Plenty of towels. I don't need more. But no, you'd have to, like, look back at, like, order again. Maybe those might show some of. Of my purchases.

[A]

Deal. Candle. Gangster shirt.

[B]

That wasn't mine.

[A]

Lots of Jolly Rancher stuff. More shirts. You got Rob top, booty, blah, blah, blah. Workout door, birthday party supplies. Sexy body chains for women. Did it work?

[B]

Yeah, I guess.

[A]

Not dumping In. We know you love to get dumped in. 6.

[B]

Dumping in.

[A]

What's dumping in these reusable glass straws. Oh, booty comey in my four years old era.

[B]

Oh, that was shirt 29.

[A]

Birthday party decorations. You got your own birthday decorations?

[B]

Yeah.

[A]

Okay. Socks, two piece outfit for women. Pants, gold waste chain.

[B]

I don't know if that's okay.

[A]

And then we're going further back last year. We don't 100 need to go that far back. And a gay shirt. Feminist girls is what I told you. You were like the version of feminist just based on the language you use. I don't care if anyone finds me attractive. We all care if people find us attractive. You don't need to be a strong independent woman.

[B]

Maybe go to like therapy for that.

[A]

What?

[B]

So you can like get rid of like being such a people pleaser?

[A]

Dude, it's literal basic biology for basically every living thing that has ever been found on this planet. The courting, the bird, the mating rituals. It is basic to want to be literally considered attractive to people. What is this modern day? Because that's not real feminism. Like real feminism is supporting women's rights. It's supporting women in Iran who should be free to dress how they want to, should be able to drive, should be able to do things they want and not be married off at children. That's real feminism. They're not protesting that for whatever reason. I don't know why. It's more performative stuff like this. I don't need a man to find me attractive. I'm doing everything for me and I'm going to post a whole of myself online. You. It's. It's no longer feminism. You've lost it. One main financial 404.28 is owed. Nope. That's a lie. That's your minimum monthly payment at a 35% interest rate. What is this? This is horrible.

[B]

Oh.

[A]

Oh. What is this? Oh, what is this? You literally owe $6,507 and 5 cents. 5 cents. Oh, and a 40928 minimum monthly payment. And a 20 and a 35 interest rate of death. What is this? So I'd get acne under the stress of having this if I was you as well.

[B]

I was struggling and why?

[A]

Because you spent all your money going to St. Louis?

[B]

Huh?

[A]

I mean, what?

[B]

I don't know. Maybe.

[A]

Yes, absolutely. Are you kidding me? Come on.

[B]

So I was gonna pay off everything so I would have one payment.

[A]

You consolidated under 35% interest rate.

[B]

I didn't understand. I thought it'd be better just under one payment than multiple

[A]

consolidating to a 35% interest rate. I've never even heard of that. No one's ever done that in the history of this world. You're the first one. You're the first one. You are the first one. You made history. No one's ever done this. I'm sure other people have, but you're the first one to ever do this. What the is wrong? They're making so much money off you. Why didn't I just start a company like that instead? Why couldn't I just not have morals and just abuse the financial system we have? What a wasted opportunity. Oh my goodness.

[B]

Yeah, that one's rough. I didn't understand.

[A]

Dude. I swear. I swear. We're both whores and we like different things. Everyone has a different flavor. They crave post nut mine for some reason. I want McDonald's fries and ice cream. You just want to take out a 35 interest rate. You come and you're like I need to get a 35 interest rate loan. This is what you flavor? Some people need a cigarette. You just need a horrendous death that'll destroy your life. That's what is happening.

[B]

Yeah, I've been putting on that for a while.

[A]

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[B]

I think it was nine or ten thousand and.

[A]

And you built all the cards back up again. Who would have thought if you don't change the behavior before you do. Bankruptcy, consolidation, transfer, personal loans. Yeah. Get up. Sorry. When was.

[B]

I think it was a. June of 23. No, 24. Oh, 24.

[A]

Okay. Okay. Oh, my goodness. Well, you had lawyer debt. Daycare debt. What even is daycare debt? Not even in Minnesota. Who are you owing daycare debt to?

[B]

To daycare.

[A]

Why? For what?

[B]

I. I lost my help. What the state helps if you're. So I lost it and why. And then I'm. They. Well, okay, because this was years ago. 20. I don't a years ago. But I had started making more because.

[A]

Yeah.

[B]

And then I had gone over the threshold. But once I reevaluated, it was fine. Cause I used to count in child support as part of your income.

[A]

But who do you owe the debt to?

[B]

I owe the debt to her daycare.

[A]

Oh, my goodness. How much was it? How much daycare debt did you accumulate?

[B]

Like 6,000. What the. Well, a month is like a thousand dollars.

[A]

What the.

[B]

Yeah, and I like, no wonder those

[A]

places are making so much money.

[B]

Like, I paid 250, but. But I have to.

[A]

The lawyer.

[B]

The lawyers from custody. Custody.

[A]

What, so more did happen?

[B]

I mean, kinda. Not really. It was just. I was served with paper, so I had to get a lawyer.

[A]

How much did you spend on Lawyer?

[B]

I have 1200 in debt to my lawyer.

[A]

But I love it. That's why I love serving people because I immediately send them into debt if they're being. Yeah, it's my favorite thing to do.

[B]

His retainer was like 3,000.

[A]

Oh, yeah. Lawyers are chunky. Yeah, chunky. That's a cheap lawyer. Yeah, that's a cheap lawyer.

[B]

But yeah, like in the area, it's

[A]

like halfway is like a 15,000 retrainer, so.

[B]

Well, our area is cheaper.

[A]

It's like lawyers. I don't know.

[B]

Yeah, I mean, it's like 300 an hour.

[A]

Yeah, for lawyers, 300's okay. Yeah, it's just a low retainer.

[B]

Yeah, well, they didn't think the case was going to like, be that long.

[A]

I see. Okay. And was it. Was it easy?

[B]

It was like a year maybe.

[A]

So the dude wanted to have more custody?

[B]

Yeah.

[A]

Why didn't you give it?

[B]

Well, at the time, she was breastfeeding, so I. Yeah, you can't. She has to. She had to breastfeed.

[A]

Wait, don't they. Don't they pump and give like, overnight milk?

[B]

She refused bottles her whole life and. Sorry, it was after.

[A]

So now he never gets custody because it was. That's the same thing.

[B]

No, he gets extended time in the summer. Like we agree. We agree. Now we do everything without lawyers. Now we just talk about it and make her schedule together. And now we do like the family days. But he gets. Because we live so far apart, he can't really do 50. 50 or.

[A]

Are you sure you're just bad at teaching your kid? Cause you literally bought a cat last year just to get her to potty train.

[B]

Okay. Children can be difficult.

[A]

What?

[B]

Crazy. Well, you don't have any.

[A]

I don't. But guess what?

[B]

Potty training.

[A]

You know, I was born, I was a child and that happened to every single human throughout human history. You're not a unique case.

[B]

Potty training was taking a while and so she had her chart and she'd been asking for a cat for years. So I said once she. So you give every potty trained. She. Well, she's work. She worked for it and she.

[A]

Why didn't you just adopt a cat instead of doing a $400. You spent $400 on what? The cat, I'm being told.

[B]

Oh, on like stuff for the cat? No, we went to the shelter and picked out a cat.

[A]

That's good.

[B]

And it was like 50. That's my lawyer.

[A]

You still owe this. I thought the consolidation was for that. So do you still owe the day gear?

[B]

Yes.

[A]

Oh, for dick's sake. What are we doing? So you literally still. Oh, I hope they sue you. So you have to go get another lawyer.

[B]

I make monthly payments to the lawyer to the daycare care.

[A]

Okay, so but you owe the lawyer $1,281. Why haven't they gone to small claims? I'm curious. Okay.

[B]

I don't know.

[A]

So what are you doing with this?

[B]

I don't. What am I doing with anything?

[A]

You don't care.

[B]

I do. I just.

[A]

You haven't asked for a minimum payment?

[B]

No.

[A]

Why they do the work without you actually paying the retainer? Cuz that's what a retainer paid the retainer. So this was additional?

[B]

Yes.

[A]

Why? Why they do work without you paying for it?

[B]

They. They bill you after. Like they. Because I'll put their hours in there, you know, so that's like usually they

[A]

do like a monthly bill.

[B]

Oh, I don't know.

[A]

This is weird. Okay.

[B]

Yeah, I don't know.

[A]

Why don't you just call them and ask for a monthly payment?

[B]

I just.

[A]

And did you pay the retainer? Did your mom.

[B]

Ah, I was a college student. I. So she did.

[A]

Yeah, but you've just done nothing ever.

[B]

I mean.

[A]

And what have you done besides birthing A child.

[B]

When I found out I was pregnant, I went back to school to get my degree to try to.

[A]

Yeah, but you got degree that has no return in the market. You didn't have access to Google. That's weird. Is that not in the Midwest anymore? Did they take that away after I left? I don't think so. I don't remember. You want to take a break or is everything okay again? I'm happy to like tone down. The tone is set by just like kind of what we talked about and agreed on. And I'm happy to bring it down. I really am. I do not want to bring you to the whole point of this conversation. And for those watching is it is certainly intense and it certainly is over the top. It is for this, you know, the show and the sake of the conversation and you know, the meeting guest has paid off. What was it shed? I forgot. 15,000 in 12 months. I don't remember. Or like over $20,000 in 12 months. Like it works. But the thing is the tone is set by what you agree on and I am happy to down here when you need to be here cuz I, I, I bring the chaos and craziness and jokes and humor when the guest is okay with that of which you know, you were. But I'm happy to bring it down.

[B]

I just think it's like when I talk about her.

[A]

The kid or the mom? The kid. Okay, what, what's going through your head? What do you think about the kid? Tell me.

[B]

That I'm just a bad parent. I don't.

[A]

Yeah, you up. I'm not gonna sugarcoat you up. And you're still prioritizing fun. It is fun. Out of love for the kid. You're not bad in terms of you are like an actively do like choosing to like. Well, okay, you're making choices but you're not like you're not abusive. You're not. That's not the kind of bad you are. You're bad in terms of you have to manage the household finances for the sake of the kid because it impacts it. I grew up in the financial household. I know how it impacts, okay? And luckily my youngest brother is who's still in the upper ages of high school. He's growing up in a great financial household because they learned it. I was the first one. This kid's the first one and last one from the sounds of the removal of tubes. But it is still your responsibility to take care of this. Yes, you it up, but you don't have to from here is the whole Point of the show. This whole point of the show goons and goes crazy on what you are doing now and what you've done. But it doesn't mean your future is bad. You get to make the choices leaving from here. And you get all the resources. The master your money program, which has all of our classes. The premium version, dollar wise cookbook, meal plan certifications. The fizz. Yeah. Helium for cheaper cell service. We give it all, every resource you could ever need. Need. Plus more if you request. So it is your choice from here. Yes. You up. And it is good to acknowledge that. So I respect the tears on that part. But now you need to get your together. Okay? For the sake of your kid. For the sake of your kid. Because your kid's all that matters in this world to you, okay? That's typically how it works. Why do you owe your friend 200 bucks?

[B]

Trying to. I'm sorry, we don't really. Her and I don't really talk anymore.

[A]

Why? Because you owe money you didn't pay back back?

[B]

No.

[A]

Why?

[B]

I don't know. Things just got weird, so.

[A]

Well, because you're buying. You a lesbian with her?

[B]

No.

[A]

Oh, that's a shame. That would have been fun.

[B]

I think that one she had used her card somewhere. I don't know.

[A]

Okay, well, maybe we'll pay that back. Okay. But you owe your mom four to six thousand. I'll say five thousand. What? Why? What? The.

[B]

The retainer for the lawyer.

[A]

Oh, are you doing monthly payments to your mother? How does it work?

[B]

We haven't really talked about it. I've sent her like $500 once and I haven't sent anything else since.

[A]

Oh, your mom bought computer games?

[B]

Oh, she. My computer broke while I was in college and she bought my new one.

[A]

Okay. Oh, she gave me an old car too, and helped with groceries. Okay. She did everything. Eastern Illinois University, where they found it. You owe money too? Why?

[B]

I was late returning the textbooks and I think it was past the time.

[A]

Dang, dude. Have you ever done anything Daycare? Yeah, there it is. Okay. What's your minimum payment to daycare that

[B]

you owe $5,400 to 250?

[A]

My wife. That's insanity. Oh, my gosh.

[B]

Current.

[A]

Okay, here we go. Is this car?

[B]

Yeah.

[A]

Oh. What is the interest rate?

[B]

17%.

[A]

Why? $22,636.74 at 17%. With the $536.88 minimum payment term, probably forever. What is. What is it?

[B]

It's just a 2019 Nissan Rogue.

[A]

What do you think? It's worth the deal. 22,017% with a minimum payment. You cannot afford to save your life for a Nissan Rogue. Good luck with that transmission. How much do you think it's worth?

[B]

I think like 14,000.

[A]

13,000.

[B]

Yeah. I need that. I need that. I didn't want to buy a car, but I had.

[A]

Okay, you had to buy a car. Why didn't you get a ten thousand dollar car?

[B]

Huh? I wanted to make sure it worked.

[A]

Worked?

[B]

I don't know.

[A]

Worked? You don't think a 10,000 hour car works? Take it to a mechanic. Take it to a second mechanic. Get it approved by that.

[B]

I just needed one really quick.

[A]

So you rush into a complete financial mistake that's destroying your entire life and accruing a minimum payment that you can't afford to save your life?

[B]

Yeah.

[A]

What?

[B]

That's how you make my old car. It. It broke down literally like on the side of the highway.

[A]

That sucks. You can Uber for a couple weeks.

[B]

I'm sorry, we didn't have Uber in the area.

[A]

What? When was this?

[B]

Oh, sorry. When did my car break down?

[A]

Yes.

[B]

May, April.

[A]

You didn't have Uber or Lyft or anything? What?

[B]

And for my job I have to drive every day.

[A]

What?

[B]

And then to take my daughter to her dad, I have to have a meet halfway.

[A]

Get a rental car with your insurance. Get a rental car. That's still better than making a long term error. That's your entire life. Get a rental. It's not great. It's not the most affordable thing in the world, but it would have saved you tens of thousands of dollars going forward.

[B]

Yeah.

[A]

To look for a car for a couple weeks instead of a couple hours.

[B]

And I didn't want to ask for a co signer.

[A]

Oh, but your mom also gave you an old car to use that was sitting.

[B]

That's the one that broke down.

[A]

How much did it cost to repair?

[B]

They couldn't repair. There was like a leak and they

[A]

said can't repair a leak.

[B]

It was in like some weird part of it. And the mechanic a couple years ago told me to get a new car when I could.

[A]

When you could, you could.

[B]

Yeah. And. But there was no really real way to fix this one because there was a.

[A]

A rental car. Then get a $10,000 car or you're you it.

[B]

Yeah.

[A]

17% interest rate of death. Okay. That looks like all your debt. Only a couple hundred bucks in checking account. And it's all. Oh, it's all Dunkin Donuts going in. Getting some Starbucks. Getting Starbucks. What is this? Check you're writing a check for 100. Writing check for 100.

[B]

That was a. That's daycare. They don't do online payments, so I have to write checks or do cash.

[A]

Ginger ale, ginger ale. Sonic Drive in Starbucks. Getting some Petsmart. That's okay. Walmart's unknown.

[B]

That's where I grocery shop.

[A]

I hope so. But I hope you get nothing else while you're there. Ever. Huh?

[B]

It depends.

[A]

Exactly. That's why it's unknown. Bullshit. Affirm, affirm, affirm. Starbucks. Potential bullshit or groceries or a mixture of both. Another check. $990.61.

[B]

990.

[A]

990.

[B]

Oh, that was half of my property tax. Aye.

[A]

Yai yai yai yai. Getting. Going in against some bullshit. Going in against some bullshit. Going in against some bullshit. Going in to bullshit. $100 check. Getting some bullshit. Dairy queen bullshit. Seven brew. Death grind head.

[B]

That's a coffee.

[A]

Oh, spirit. Halloween is a shit ton of money. Check. Hundred bucks. Ginger ale. Once more. Ginger ale. Ginger. Alex. Yoga. Check for 250.

[B]

That's all the checks are. Daycare.

[A]

Oh, you went negative. I was that one. You went negative. You bounced. You went negative. You went negative 23 with that.

[B]

Yeah.

[A]

That's crazy. Affirm potential. Which also that Walmart push you a negative.

[B]

The affirms are, you know, paying off.

[A]

Yeah, I know I didn't say those are, but they're still affirms. The Walmart one, which sometimes a part of it is. I bet every time push you a negative $12.71. And then Starbucks like what are we doing? Overdraft fee. You got two. This I have a lot period. And last year in 2025. Well, actually no, because this was in September, so I'm sure it was even more so. Only three fourths of the year either way. What is it? 32 per overdraft? Yeah, 26 overdraft. You probably had. You probably had 35 overdrafts by year end. What the. You're a mother and you're choosing to go to seven brew while you're overdrafting your mother. You stop in a gas station, get some bullshit. You're a mother and you're overdrafting. You're a mother. You. You do not get to go to the zoo when you're overdrafting. You. I'm sorry. You are a mother. It is no longer an option. This is no longer a choice. Driving an hour for 7 Peru is not a thing. Okay, so five. No, this is projected. What do you even have in retirement because this is projected, what it's going

[B]

to be, I think almost three maybe.

[A]

Yeah. $2,650.

[B]

It's a little, it's a little different for the state. They automatically take like 8%.

[A]

Yeah. It's not doing great. It probably isn't getting great returns either.

[B]

Yeah. And then if you work there for like the number of years, you'll never run out of your retirement.

[A]

I know, but it's. Well, pensions, by the way, are being pushed to the absolute mask, especially in Illinois. They're pension, they're pension. They're not funding pensions correctly. Like I don't even know if that'll actually be there in a sustainable or high enough way to take care of the bills by the time you retire. Pensions don't know you with the regulations and pensions and the risk adverse nature and pensions, their growth rates are absolutely horrendous compared to the overall marketplace. And it's just, it doesn't keep up and then it's harder to pay out. It's brutal. Okay. Income we're not counting of anymore. So 300. $3,600 is your income.

[B]

I also get like 200 for reimbursement for gas for my job. That's like the average.

[A]

Okay. Okay. So 3800. That's the average. So every piece of gas?

[B]

Yeah.

[A]

I'm putting gas at zero and income at 3,600.

[B]

Okay.

[A]

Debt, minimum payments? Let's find out. So your mom owes the house, right? All or full out?

[B]

No.

[A]

Then why are you paying property tax in these weird chunks instead of paying her for the property tax portion of the mortgage?

[B]

Her mortgage is set up. It doesn't include the property tax.

[A]

Yeah, I'm just.

[B]

Okay.

[A]

It's weird though, so I don't.

[B]

Oh.

[A]

Like either way, $1,484.16 is your minimum debt payments. That's chaos. And yet you're having fun. Come on. What's your rent?

[B]

365.

[A]

Is that including the property taxes?

[B]

No.

[A]

How much of that?

[B]

2,000 per year.

[A]

Okay, so 2,000 would you need to save monthly? Divided by 12 plus 365. Okay. Your monthly rent is $532. Gas, electric, utilities, all that combined. How much? And Internet as well.

[B]

Let's say I don't have Internet, but 350 for. Yeah, water and gas.

[A]

Okay.

[B]

Phone bill, 75.

[A]

Okay. Car insurance, 180. Necessary food. It's going to be, I'm going to say $500. You and the kid, meal plan, meal prep, warm up. That's what it's going to be Follow the meal plan, follow the cookbook. Easy peasy. It's a little annoying. It's not the most luxurious thing in the world but you'll be fine. TP fund 200 bucks. Anything else you and the kids need to survive? Toilet paper, tampons, all the good stuff. Makeup, medical health. Here co pays. Why not on a monthly basis?

[B]

No, but $40 for medication.

[A]

Okay yeah. You have a gym, 30 good subscriptions. I'll also put 40. You have pets, you have a cat, you have pet insurance. You do now. Cuz no way you can take care of it if Something bad happens. 50 bucks. How much for pet food?

[B]

About 25 every for everything.

[A]

Anything else on a monthly basis that I need to take into account before we know what your minimum budget to survive is?

[B]

No.

[A]

Okay. Yeah. Basically a break even. $3,510 and 16 cents. Does he ever miss child support?

[B]

No.

[A]

That's good. But you have an extra call it 89, 84amonth and that's if we hit it. Exactly. You know, utilities and all that. So it's probably closer to 80 or 100 something like that. But the reality of your. What was it? 48000 hours of debt divided by 89.89. 533. 534 months to pay off. That's literally 45 years. 44 years. Listen, your career is not a good career. Just going to let you know. Time to look into other careers, getting into other things. Yes. Nine to five Monday through Friday. I agree with that. But you're even earlier said I'm not getting subsidized CCR child tax credit and helping to pay for child care. Yes you are. It doesn't matter, that's fine but let's get you to a place where you're not subsidized and you are out there being a giver in this world and you're bringing enough money to take care of your debt. Now that's going to take work, that's going to take time certifications. That means this debt does not move for a bit and or preferably ant what I would allow keeping this car. But you change your behavior for two months, you follow this strict budget show that you can follow this strictly for two months. I will allow you to go through bankruptcy. Not cheap, not stress free but still at least wipes most of this. Maybe not the daycare, certainly not family debt. And we want to keep the car or maybe not honestly potentially repo, you know voluntary repossession. Then get the rest of it wiped from bankruptcy and you get a ten thousand dollar car on a shitty interest rate for sure. But a ten thousand dollar car that we can manage, that's a play. Then you wipe that out. You get a fully funded emergency fund and that's our future. But you cannot do any of that. Just like your big 35 loan you did earlier. You can't do that until you at least prove you can follow this budget exactly for two months. And if you up then no, you don't continue. You don't go through with bankruptcy. You have to start over again. That's what I would do. But you also need to look at career change because this is not going to be enough for a single mother going forward. If you're a dual income household, maybe single mother is going to be hard to give her the future you want. Okay guys, the post show is going to be great. We're going to bring in her sister and they want to confront her for her sister wants to come in and confront her on depending on her mom. The post show is going to be great. It's going to be one of the best ones we've ever had. But let's get the Hammer Financial score first. Worse. Spending your budget. You overspent. 0 out of 10. Debt, well, family debt, all that stuff, but no collection. So IRS, that's a 1 out of 10. No, you do have collections. I mean, yeah, the lawyership. Okay, 0 out of 10. Emergency fund, nothing. 0 out of 10. Retirement's extremely low for 29. 1 out of 10. Real estate, nothing. 0 out of 10. Hammer financial score rounded up to 0.5 out of 10. Get yours@caleb hammer.com now click the join button. Join Hammer a Little. The number one and best membership on YouTube for a reason. Three premium shows posted every single day Monday through Friday. High quality premium shows including extra 20 minutes of this episode in the Financial Auto post show. I'll see you there. And you wanted to come on and confront your sister about the reliance on your mom.

[B]

Our mom works really hard. She doesn't make a ton of money, but she loves us unconditionally. Mom works like 100 hours a week. She, she struggles with her bills and she financially supports you.

[A]

This is something that already happens in the family and yet we're seeing it right here.

[B]

Yeah, I guess so.

[A]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.