Financial Audit's Most Disgusting Guest

Summary

Financial Audit – "Financial Audit's Most Disgusting Guest"

Host: Caleb Hammer
Guest: Veronica, Accountant/aspiring Dominatrix
Date: May 8, 2026

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Episode Overview

This episode features Veronica, a 37-year-old accountant from Las Vegas, who recently left her long-term partner and aspires to transition from her day job in construction accounting to a career as a dominatrix and online content creator. The focus is a no-holds-barred financial intervention, with host Caleb pushing for tough accountability as Veronica details her extravagant spending, failed attempts at financial independence via sex work, and family dynamics that perpetuate her financial chaos. The episode is characterized by blunt, often abrasive exchanges, centering on delusional self-perception, lack of accountability, and cyclical blame.

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Key Discussion Points and Insights

Veronica’s Backstory and Current Situation

• Veronica earns $76,000/year in Las Vegas, equating to about $4,880/month after taxes ([03:12]).
• Despite her professional job in construction accounting, she recently left her long-term boyfriend, intends to build a career in online sex work/dominatrix services, but has yet to generate any real income from this ([04:08], [07:52]).
• She's currently living rent-free with a friend and that friend’s husband. All her monthly income is spent, and she regularly outspends her earnings ([36:26]).

Failed Attempts at Online Sex Work

• Veronica accounts for spending on equipment, dating/kink apps, lingerie, and various forms of “investment,” but reports earning $0 in actual revenue ([17:00], [15:36], [27:05]).
• She struggles to articulate why she thinks she’ll succeed ("Because I enjoy dominating men," [28:02]) and cannot explain what differentiates her from others.
• Is unable to ask for money from clients, despite lining up “practice appointments” ([31:00]).
• Host Caleb repeatedly drills into the delusion between Veronica’s self-perception and market reality ([12:18], [13:26]).

Memorable Quote

Veronica: “I'm investing in my future.”
Caleb: “Oh, yes. That’s every small business American, like, starting dating apps and dating. Actually, I had to buy underwear.” [15:36]

Lack of Accountability and Cyclical Blame

• Caleb uncovers a pattern where Veronica blames her ex, mother, or circumstances for her debt, failed plans, and poor decisions ([17:12], [20:00]).
• She attributes half her debt to her ex, citing his lack of support and alcoholism, but cannot account for recent or personal overspending ([17:17], [60:16]).
• When pressed, she often defaults to justification or avoidance rather than self-examination ([17:30]-[19:18], [20:12]).

Notable Exchange

Caleb: “Why are the women that are the ugliest that think they're the most attractive also the least able to hold accountability to themselves and only blame other people?” [18:22]

Delusional Self-Perception & Social Commentary

• Extended, combative exchanges about attractiveness, self-worth, and “the market’s” realism, with a running theme of Veronica rating herself as a seven, Caleb as a four, and the market disagreeing ([12:18], [13:26]).
• Commentary on the cultural phenomenon of unwarranted self-hype and the disconnect between self-image and real opportunities ([12:51], [13:27]).

Quote

Caleb: “The market is realistic, whether or not people around you are.” [12:52]

Concrete Financial Review

• Veronica is revealed to have over $50,000 in high-interest credit card and personal loan debt spread across many cards, most of which are maxed out and accruing late fees ([66:13], [68:46], [71:11]).
• She admits her impulsive spending covers everything from cheap fashion to sex work gear, and she sometimes pays for her (unemployed) sister’s expenses and phone bill ([75:21]).
• She overdrafts regularly and admits to spending thousands she can’t track on “bullshit” and “dopamine hits,” including frequent eating out ([86:09], [91:27]).

Highlight

Caleb (tallying finances): “You live rent free...yet you spend $2,000 more than you make.” [36:44]

Family Enmeshment and Co-Dependency

• Veronica is financially responsible for her mother’s phone bill and will soon move in with her unemployed sister ([38:07], [94:55]).
• Her justification for supporting her sister is “she’s going to be my media marketer” for her OnlyFans attempts ([38:28]).

Health and Lifestyle Critique

• Veronica claims to be “really healthy,” which Caleb challenges with BMI, blood pressure, and dietary analysis ([54:21], [55:01]).
• She demonstrates low financial literacy (e.g., misunderstanding how IRAs and 401ks work, tax filing obligations, etc., [45:38], [47:42], [50:06]).

Quote

Caleb: “Buddy, you’re going to be dead before this card…is paid off.” [53:55]

Interventions and Advice

• Caleb prescribes Veronica a barebones, strict budget, recommends she close most of her credit cards, and strongly urges her to stop letting others manage or control her spending ([66:27], [68:14]).
• Suggests she needs to accept her lifestyle can’t sustain rent, let alone extra dependents or extraneous purchases, until her debt is cleared ([37:53], [94:57]).
• Emphasizes the need for a six-month emergency fund after debt repayment and recommends investing any surplus ([97:00]).

Memorable & Outrageous Moments

• Veronica shows a chastity cage on air intended for a (hot, “normal-looking”) client—Caleb is flabbergasted: “There is someone for everyone, ladies and gentlemen” ([33:42]).
• Caleb calls out both Veronica and her sister for “being takers.” When Veronica’s unemployed sister answers the call, they argue over who’s using whom ([76:53]-[80:00]).

Quote

Caleb: “You are a leech. You think you’re a strong, independent woman? No, you’re a leech. Pathetic, broken individual.” [40:22]

End-of-Episode Financial Recap

• After building a strict budget, Caleb finds that—if Veronica stops overspending—it would take about 3.5 years (41 months) to pay off her debt, assuming no additional rent ([97:12]).
• Her Hammer Financial Score rounds up to 0.5 out of 10 ([98:49]), reflecting her abysmal credit situation, drained emergency fund, lack of assets, and absent retirement savings.

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Structured Highlights with Timestamps

Veronica’s Life and Income

• [02:11] – Veronica’s job & pay: “I am in accounting construction...$76k a year.”
• [03:12] – Net monthly income calculated: “You’re averaging $4,880/month.”

Origin of Financial Chaos

• [04:08] – Leaving ex for dominatrix ambitions.
• [07:52] – Caleb calls out her lack of progress: “So, clearly it’s not working for you, is it?”

Escalating Financial Irresponsibility

• [15:36] – “I’m investing in my future...buying underwear, filming equipment...$0 earned.”
• [36:26] – All income for the month spent, living rent free.
• [66:13] – Credit card review: multiple late fees, never paying minimum on time.
• [68:46] – New card, immediately maxed out.

Delusion and Denial

• [13:26] – “The market has confirmed you...women on apps: money if they look good."
• [12:18], [13:27] – Extended debate: “You’re a four out of ten.” “I’m a seven.”

Family Entanglement

• [38:07] – Plan to move in with unemployed sister.
• [75:21], [76:53] – Veronica pays for sister’s expenses; sister claims disability/unemployment.

Health and Self-Deception

• [54:21], [56:54] – Veronica claims to be healthy; BP and BMI reveal truth.
• [55:01], [59:03] – Dispute over morbid obesity & health consequences.

Key Quotes

• Caleb: “Every single time you get called out on something, you try to find an excuse of why it’s not your fault.” [63:16]
• Veronica: “I’m a seven.” ([12:18], throughout)
• Caleb: “You are pathetic. You spend $2,000 more than you make.” [36:44]
• Caleb: “Your accountability shit was insane. And I still feel like you’ll never be able to accept accountability if you’re like this at 37, you’re broken.” [35:39]
• Veronica on new ventures: “Eventually it will. I’m manifesting my destiny.”
  Caleb: “That’s not how this works.” [44:21]

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Conclusion

This episode is a brutally honest and, at times, uncomfortable deep-dive into financial delusion, avoidance, and self-sabotage. Caleb double-downs on tough love, unsuccessfully coaxing accountability from Veronica, whose pattern of blame, financial irresponsibility, and family entanglement leaves viewers with a cautionary tale about magical thinking and the realities of market-driven success. The episode’s meme-worthy moments, sharp quotes, and Caleb’s relentless pursuit of realism set a benchmark for Financial Audit's most unfiltered—and infamous—guests yet.

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[Hammer Financial Score: 0.5/10 | Estimated Debt Freedom (on strict budget): 3.5 years]

Transcript

[A]

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[B]

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[A]

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[B]

You're kind of not just feet picks,

[A]

your kind of feet are a lot of other stuff.

[B]

Okay, yeah, well like far feet.

[A]

Especially in that Vegas heat. You're actually probably just like a four out of ten.

[B]

Yeah, you're a four out of a ten. I'm like a seven.

[A]

See, what do I do with this?

[B]

I have a great personality.

[A]

Your inflated self worth is ridiculous and you think you're working. Hey, you're muted by the way.

[B]

Shut up. I'm talking.

[A]

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[B]

Hi, my name is Veronica. I'm 37. I'm from Las Vegas, Nevada. And this is Financial Audit.

[A]

Yes, it is. Thanks for coming over. I appreciate it. What do you do in Las Vegas for a living?

[B]

I am in accounting construction.

[A]

That's not what I was expecting from all that accounting. Okay, so accounting construction. I assume that is accounting for construction.

[B]

Yes.

[A]

What do you make?

[B]

76.

[A]

Not bad. Especially Vegas that is. I mean it's definitely gone up in cost of living, but still, compared to a lot of places. You know, people go there for a reason. It is a bit cheaper. They're building a lot.

[B]

That's good.

[A]

So what hits your account on a monthly basis?

[B]

What do you mean?

[A]

What dollar amount? We can be more literal. Hits your account on a monthly basis. Well, what did you think I meant?

[B]

What comes out when I said what hits 1105 a week?

[A]

Oh, okay. 1105 times 52 divided by 12.

[B]

Okay, so an average 53 weeks in this year. By the way, I'll get 53 paychecks this year.

[A]

Oh, why?

[B]

Because I get paid every Friday.

[A]

Okay, so there's a bonus Friday this month?

[B]

Yes.

[A]

Okay. What is that? 1105, you said?

[B]

Yeah.

[A]

Okay. But only this year. But even still. Okay, okay, okay. Times 53, I guess. Divided by 12. So you're averaging $4,880 a month. Yeah. Does that work? Does that sound right?

[B]

Yes.

[A]

Okay, good. So why do I have essentially what was said here? Because this isn't really line up with your job. It was essentially you kind of divorced a guy so that you go pursue being naughty online to make money.

[B]

Well, yeah. I mean, it's a really lucrative business.

[A]

It is, but clearly that's not what you're doing. Sounds like that game plan didn't work out if you're working in accounting.

[B]

Well, I mean, I started out in accounting. I mean, I've been doing accounting for.

[A]

Well, I know you started out in accounting, but when I just asked what your job is, you said accounting. So it's not. I didn't ask what job did you start out? And I asked, what do you do for a living? You said accounting. Yeah, that doesn't line up with the what I have been told of you leaving your husband so that you could go be naughty online.

[B]

Yeah, I want to be a dominatrix professionally.

[A]

Okay. Where's the income and dominatrix scene currently? I mean, I'm told you think you can make 10,000 hours a week selling feet picks. 10,000 a week selling feet picks? Maybe. I don't know. That seems pretty intense. I don't know. What?

[B]

You're not just feedback.

[A]

You're kind of. Feet are a lot of other stuff.

[B]

Okay, yeah, well, yeah, probably underwear soft like farts in that Vegas heat.

[A]

Dude, you're not amaranth.

[B]

I have a really nice ass.

[A]

No, you're not amaranth. And no, you don't. You're not amaranth. No, I'm sorry, no, nobody. This is not true. Oh, should I be mean already? It's only three minutes and I'm sorry, just no one of your class, no one of your spawn, weight and age combination has a nice ass.

[B]

Just like I've been told otherwise by many, many, many men.

[A]

Do those men look way more attractive than you are? Does men look like Tyler does?

[B]

Some of them, yeah.

[A]

Yes. Okay. Because that would. That would make sense for everyone else.

[B]

Actually, most of them are white guys who just really want to be human wallets.

[A]

Okay, so losers and weirdos and freaks.

[B]

Yeah.

[A]

So. Okay. But no one normal. Okay, listen, I'm not just.

[B]

I mean, like, what's your idea of normal?

[A]

Someone that doesn't want to be treated like a wallet.

[B]

I mean, what are American citizens, human beings?

[A]

What are you trying to get their

[B]

wallets to the government?

[A]

To the government. Then every citizen is a wallet to the government in that case.

[B]

So, I mean, like, that's normal.

[A]

I don't think everyone enjoys paying their taxes, though.

[B]

Well, nobody does.

[A]

Well, there you go.

[B]

Not everybody enjoys.

[A]

You said you like people or people like you who want to be wallets. That's different than those that are forced to by gunpoint. Okay, No, I understand that. Yeah. I'm sorry. It's just like. Okay, I wasn't really trying to bully you out of the gate. But you're just saying, like, when you just say I have a nice ass, I mean, let's be just honest for what the majority of people would think, it's just like, come on. Just starts breaking down.

[B]

I didn't say it was perfect.

[A]

No, I didn't require perfect, but just nice.

[B]

It's really big.

[A]

It's really big. Yes, that happens when that happens. I. I get it. Same thing happened to me. I mean, that doesn't make it nice. Whatever. Oh, my gosh. I'm not trying to go down the pipeline. You keep making me go, no, it doesn't.

[B]

Yes, it does. How do you not like big ass?

[A]

Okay, yeah, sure. Let's define what I like. Sure. Yeah, a nice large butt is good, but usually it's attached to just like when it isn't just all fat and it isn't getting, like. I don't know what it's described as, but when it's like, first of all, there's stretch marks. I don't want to go all this.

[B]

I mean, somebody who looks like you really shouldn't have this much, like, particularities into who you're attracted to.

[A]

In terms of who I'm attracted to. I don't think who you're attracted to comes from what you look like. People just have attraction. I Like just conventionally attractive people. No, why would I lower my standards? Listen, I don't care what someone says.

[B]

You are a basic white boy. So I guess.

[A]

Sure. Yes. Okay, very good. Listen, it's, it's. I'm not trying to the entire intent. I wasn't going to call you ugly or anything like that necessarily, but the thing is you're like thinking you can make $10,000 a month doing my am doing with her giant fart because I'm. Shut the up for a second. And you saying no one gives a. And you saying I beg to differ. Okay, well, yeah, you're keeping your accounting job, so clearly it's not working for you, is it?

[B]

Well, I just started.

[A]

Uh huh.

[B]

Yeah.

[A]

Not working very well. Leaving your guy for that pathetic bitch. So the thing is, I wouldn't have

[B]

talked about your boss frustrated by leaving him because he was a piece of shit.

[A]

Yeah, yeah.

[B]

Oh yeah. He's the reason I'm in so much debt.

[A]

Why?

[B]

Why? Because he wasn't a partner.

[A]

Uhhuh.

[B]

And I was in a situation to where like are you sure that's even

[A]

what you're looking for as a partner? Not a little slave boy?

[B]

Actually, you know what? It was a one night stand that turned out to be a really good lay and then turned out to be a really great friend. And then we started dating and then I.

[A]

Seems like all your choices.

[B]

Shut up. I'm talking.

[A]

Are you about to do the women and accountability?

[B]

No, I'm saying that like he. We moved in together in his parents carriage house.

[A]

Still your choice? I'm.

[B]

Yeah, I mean I didn't really have a choice. I didn't have anywhere else to move.

[A]

Everyone has everywhere to move.

[B]

I mean if you, you make good money.

[A]

You've been making good money.

[B]

I did not always make good money.

[A]

Recently?

[B]

Almost 13 years.

[A]

Okay, so how many years ago was this into this carriage house six months ago. You weren't making this money six months ago?

[B]

No, I just got a raise this year.

[A]

Six months ago you weren't making that much. What were you making?

[B]

It was like an 8% raise.

[A]

Go yourself. You could have had somewhere to live. You're just a. No accountability. And I can use this literally whore.

[B]

Well, yeah, you know, well actually no, I'm not a. Because I don't get paid.

[A]

Oh, great career decision. That's going to get you somewhere.

[B]

Well, I mean, you got to practice. I'm like, I've been out of the dating game for so long that like, you know, I got to like go around and Find out, like, trying to find, like, my niche, you know?

[A]

I thought you did.

[B]

My niche, yes.

[A]

Black men. No Racist.

[B]

I mean, there are BBC. There is a lot into BBC. There's a lot of, like, why, why?

[A]

Why not in black guys.

[B]

That's not what I said. I said there's a lot of white guys who are into. And, like, watching me be dominated by a BBC, it's so specific. Like, several guys have asked me, oh, or these boys who want to be called baby boys. They want to call me mommy.

[A]

Ugh. What the is wrong with this world? Guys, just go get yourself just a. Just normal woman. What are we doing?

[B]

Normal women don't exist because of the patriarchy.

[A]

I don't even know what the that means. I'm dating a normal woman.

[B]

You think so?

[A]

As far as I know. I just mean, like, someone that's just not. Like, I don't want to be mean. Oh, you're just. Okay, yeah, whatever. Listen, if they're paying for it, whatever, they're into it. You have a nice ass according to them. I don't know. You just suck me down these rabbit holes. When you position yourself up here, when you're probably right here, and, like, at least I know I'm right here. It's like, I don't try to put myself right.

[B]

He wanted me down here. Oh, he made me feel down here. And then I broke up with him, and then I was like, oh, yeah, that's right. I'm really pretty.

[A]

I mean, it's all right. Like, oh, it's like, what do I do with that Chat? I. I'll be the internal monologue, and this is not your show. What I am struggling with chat is like, what do I do with that? It's time to bring on the blooms at the Home Depot with spring garden deals. Find savings on hanging baskets and flowers to brighten your backyard or any space that needs instant color. Then get everything you need to plant and protect them with low prices guaranteed on soil and mulch. Dig into spring garden deals for four days at the Home Depot now through May 10th exclusion supply. See homedepot.com pricematch for details. I would look mean by being realistic in the fact that in no conventional sense or in any way whatsoever, she considered pretty. But also, we live in a world right now where they are endlessly hyped up by other people who are not realistic around them, especially the women saying, no, you're pretty, you're good, you're a great queen, and all this stuff. And then you look like a dick. For saying no. You're actually probably just like a four out of ten. I'm a four out of ten, but at least I'm realistic.

[B]

You're a four out of a ten. I'm like a seven.

[A]

You almost seven.

[B]

I'm a seven. See, what I do is have a great personality.

[A]

There is an interesting thing happening right now. Or at least men understand where they are on the scale. You know, but for some reason you are just so delusional.

[B]

Live life like with the confidence of an average white man.

[A]

But I know where I am. My confidence is realistic. I just called myself a four. I know I'm a four. I'm okay with being a four. I'm not. You're delusional and think you. But I need you to bring you to a realistic town.

[B]

I'm a seven.

[A]

It's the reason you've made zero dollars. Gotcha, bitch. The market is realistic whether or not people around you are.

[B]

Well, I'm.

[A]

When they're trying to be nice.

[B]

Looking for clients on these dating apps, huh?

[A]

Actively looking.

[B]

Yeah.

[A]

That has not worked. $0. The market has confirmed you. Where you to my point, because women on apps money, if they look good. The thing is, it's not. It's literally not to be mean to you. That's the hard part. Because I know I'm looking like a dick. I really do. But it's so complicated because.

[B]

Because you are a dick, sure.

[A]

But the reality is people have hyped you up to here and every single ugly person right now is getting hyped up to here. But at least just a normal ass. Dude, we know we're down here. The market has confirmed that you're down here. But for some reason you've been hyped up so much to be thinking you're up here. I don't understand what it is. And that's why you've made zero doub. The market has confirmed it and I just need to be realistic about it. Because you think you're going to make a bunch of money off of this and you've left your boyfriend for this? You. I mean, this is not going to work.

[B]

I didn't leave my boyfriend just for that. I left him because he's a drunk.

[A]

Okay, well, that's also a good reason to leave. I don't know why you stuck around for so long. Well, it's comfortable being with a drunk.

[B]

Yeah, and the rent was cheap.

[A]

That might be a reason.

[B]

Also, we had dogs together.

[A]

Okay, yeah, that complicates it's a little. But not as much as like a child or something, but.

[B]

No, my dogs, they were my. They are my children.

[A]

My dogs are my children too. I get that. But if we're also just.

[B]

Again, I sacrificed my dogs so I could get away from him.

[A]

Yeah. To do sex work. Great. So. But the thing is.

[B]

But doesn't that sound like the best kind of job? Even if it's not even in person? It's just online stuff.

[A]

No, I prefer in person because you get to choose your clientele. Yeah, I mean, I'd love to get paid to. I gotcha. I gotcha.

[B]

That sounds like the most fun job.

[A]

I'm not shooting it down.

[B]

Especially if I get to just tell them what to do and I don't even have to them and then they pay me.

[A]

Well, yes, but you have to get hired for that. And the market has demanded that you are not $0. Again, again with the dog thing. I mean, the conversation. My dogs. I probably have the same mentality as you do, but just like where you're rating yourself up here, I have to be realistic. There is the real world where it is not the same as a human in the end, when it comes to the complications around separation.

[B]

Yeah, I know. I left the dogs within.

[A]

Yeah. See?

[B]

So I could get away, which is sad.

[A]

And I'm sorry. That is hard. So you're currently paying for eight different apps to find these clients and buying kink equipment and filming equipment. And again, $0 is made because the market has shown that you're here.

[B]

I'm investing in my future.

[A]

Oh, yes. That's great. That's every.

[B]

Every small business American, like, starting dating apps and dating. Actually, I had to buy underwear.

[A]

Like, your previous relationship was underwearless?

[B]

No, it was just like regular, like, everyday undies. Not like, these aren't going to be worn for very long kind of panties.

[A]

But isn't that. The point is that we wouldn't see you in them?

[B]

No, that is the point is you see me in them also for pictures.

[A]

Yeah, pictures.

[B]

Pictures.

[A]

Oh, yeah, yeah. Mm.

[B]

And filming equipment. Like phone stands. Ah.

[A]

Making me imagine this shit, dude.

[B]

And vibrators.

[A]

Oh, for sake. Imaginary visceral person.

[B]

I like, this is like on my bucket list in like the next two years is to like.

[A]

I'm not making the show sexual people.

[B]

This is a really strong man. Oh, God, I want to do it so bad.

[A]

Weird. I don't. Okay, okay. Yeah, you do. You. Well, listen, I am.

[B]

I am doing me.

[A]

I know, but I just want you to make money and actually do. So how is me too.

[B]

I'm getting there. I'm just, you know, I'm.

[A]

$0.01 would be almost. No. How much money have you put into this thing? All this equipment and stupid.

[B]

I have absolutely no idea.

[A]

Yeah. So it's all your ex's fault.

[B]

Oh, I mean the debt for sure.

[A]

Get this entire month like half zero

[B]

dollars on half of half of the debt.

[A]

Most put it all on him. Then when you say half of it is. And then this last month you don't even know what you spent on something that you're making $0 on. What is this accountability thing? Why are you the women. I'm sorry.

[B]

Okay, so.

[A]

No, I'm gonna finish my point. Let me finish my point for mic. Wes, mute her mic. Okay, thank you. You're muted right now. No one can hear you. The point I was trying to make for a second is that it's not an all women thing because I don't want this to come off as a gender war red pill thing. It's not that shit. There's. I would just like. The majority of people on the right and left are normal. The majority of men and women, they are normal. But the thing with you, you're muted so no one can hear you. The thing about people like her that just blows my mind is why are you're still muted? Why are the women that are the ugliest that think they're the most attractive also the least able to hold accountability to themselves and only blame other people. Now don't get me wrong, there's freak men that do the same thing. The weirdo incels that blame all this like women shit on them not being able to get laid. No, you're a loser. But you're the weird polar opposite as well. Where you yourself inflated your inflated self worth is ridiculous. And you think you're working. Hey, you're muted by the way. And you're so beyond thinking. You're all the way up here. And then the moment we dig in to your responsibility of your debt, we learn real quick that no half of it minimum is actually your fault. Not all the acts. You don't even know what you spend on this hobby that makes $0 last month. So the weird connection between an ugly literal sense. Poor. You're muted. No one can hear you. And away from a mic that thinks she's all the way up here, but is actually here is also that far away from accountability. The correlations quite crazy. Every single time. Okay, we can unmute her if you would like to respond now. You can.

[B]

You're so trash.

[A]

Trash. That was that. That's your rebuttal after all? This is. I'm trash. How am I trash? I don't think I'm trashy. What am I trashy?

[B]

I broke up with my ex because he was not a partner. He did not help me when I got fired from my job because of COVID I had to still pay my part of the groceries.

[A]

Bro, that was six years ago, by the way.

[B]

I still had to pay for my part of the rent. I still had to pay for my car payment. I still had to pay for my car insurance. I also financially support my mom.

[A]

Bro, this was six years ago. I don't like what.

[B]

I still financially support my mom. I pay for the phone bill.

[A]

A lot of people do that.

[B]

A lot of people do that for her Internet.

[A]

A lot of people do that.

[B]

He doesn't have bills.

[A]

So listen, how does this.

[B]

Why does he help me? And it took six months.

[A]

How does it change your accountability?

[B]

He. It didn't help me six years ago.

[A]

Six years ago?

[B]

Yeah. And then I got a job. Where is your accountability? And then I wasn't making enough money to pay off any of the debt. And then I was working at a temp agency. And then I got fired again.

[A]

Get a better job. Stop getting fired.

[B]

And I, as a temp, like, you, can't help that.

[A]

Yeah, get up in a job. You know, back then was the best employment market in the history of the United States for people without qualifications. Shut up.

[B]

I'm talking. There was a time where he would assist me when I needed it financially. He was always, no, that's your job. No, you do that when he was only paying six years ago.

[A]

I don't give a.

[B]

A fourth of his. A quarter of his income he was paying for bills. And the rest of it, he spent it on alcohol. And it didn't help me at all.

[A]

That sucks.

[B]

But it was through our entire relationship.

[A]

But why is it only you being able to get help, though? Why weren't you able to do anything on your own? Why is it if he didn't do something, you couldn't survive? Where is your accountability? You're right. In a partnership, we should be supporting each other. I am on your page with that. And there's probably a lot there where he should have manned the up, step up, and certainly stopped drinking and gotten himself under control. But if the fact that we're talking about you not having any accountability go to six years ago during the pandemic and then you couldn't find a job all you got was a temp job when it was literally the best employment market and you were in a boom town, for what it's worth. And Vegas, there was jobs galore.

[B]

Places like Austin, Vegas litter. They could hire whoever they wanted. And I barely had any experience. I'm also a college drop, but it

[A]

was still the best experience time for people without degrees, without qualifications. That pandemic era was the best time in American history in terms of a job market. So where's the accountability?

[B]

It's still six months to say, he's

[A]

not helping me, he's not helping me, he's not helping me.

[B]

Highest employees.

[A]

But that's on you. Then. That's on you. I don't care that it took you six months. You can't blame them for that. That's still on you. Where is your.

[B]

Also, I wasn't getting accountability the whole time. I wasn't getting unemployment.

[A]

I don't care. Where's your accountability for anything? Why weren't you getting unemployment?

[B]

Because it was the backlog.

[A]

What?

[B]

The backlog. During COVID The pandemic, I was still typing it all in, submitting it every week, and it took six months. So I had absolutely no income. So I was doing side jobs. Making cash. Just enough to pay bills.

[A]

Yeah. Well, yes. And then probably if you're able to make enough just to pay bills, do more job.

[B]

He still had his job.

[A]

Why does it come down to him?

[B]

$55,000 a year, and he didn't help me at all.

[A]

And he should have, but the fact that he didn't. Why does that alone define your entire life? Why weren't you able to do anything for six years? Six years. I understand. Six months to struggle. And he sounds like, yeah, I know

[B]

it should have ended six years ago.

[A]

And he sounds like a little.

[B]

But he.

[A]

And I'd beat the out of him if he was here. Okay, listen, he sounds like a horrible.

[B]

Both dude.

[A]

He sounds like a horrible partner. I'm not opposed to that. But why the. Could you not take any accountability or do any thing for six years? And if you were able to like that, make enough money to pay your bills, why couldn't you do a little more to make extra progress using the logic that you had, Man, I don't know.

[B]

It's like I'm. I don't know. Maybe it was like vindictive.

[A]

Yes. I will tell you exactly the real answer, by the way. When she was over there being a offensive little bitch, even though she wasn't saying the truth, she told Colton in the pre interview and everything when she was less angry because they get you to spill the tea and beans and everything she said. She was basically retaliating. She was angry so she would overspend when he pissed you off.

[B]

Yes, but it's my her and accountability. It's my money. I can do whatever the I want with it.

[A]

Her and accountability.

[B]

I mean, that's how he set the relationship. Your money is your money. My money is my money.

[A]

Her and accountability. Drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy the minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole they refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try Yrefi. Head to yrefi.com hammer that is yrefy.com hammer or call 888 Y Ref that is 888-yrefi78. Break free from the high interest trap and get your finances under control once and for all. You suck with money so you download a budgeting app. You start with the classic one Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the Personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal. Finances. Rocket Money that you gotta a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise, Built by these people just like you for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now, start the free trial. DallasWise.com, link in the description below. Miles apart. The moment I pull a previous quote from you. Everything you just said, you threw out of the entire conversation, man. It's nothing. It's nothing. You've lost everything. You lost all credibility in any kind of accountability or blaming it all on him. My money, I spend it. Trash. No shit. Great. So I'm proud of you. So your correction for all this is you just started an of and FetLife, whatever the fuck that even is, and

[B]

then, oh, you got your first FetLife subscriber, Fetish Lifestyle.

[A]

Okay, Remind me never to get that if this is what's on it. Okay, so you got your first subscriber. Congratulations. Who's it from?

[B]

I don't know, some guy in another country.

[A]

How do you find your account from TikTok?

[B]

Actually.

[A]

What are you posting on TikTok?

[B]

Just basic stuff.

[A]

All the basic stuff.

[B]

Nothing to do with any of it.

[A]

But you add like, link in the description below.

[B]

He, like, sent me a message and he asked me if I made custom content and I was like, actually, so how much?

[A]

You don't even know how much you're spending on all these apps, all this shit, to get all these people to pay for you. Why do you think you're gonna. Okay, why do you think you're gonna be successful in this? You got your first subscriber and you've made zero dollars from the thousands you spent on it.

[B]

I haven't spent thousands.

[A]

You said you don't know how much you spent.

[B]

Well, it's definitely not like a thousand.

[A]

I don't know, man. If you got video equipment and all this shit.

[B]

I don't have video equipment. It's like tripods.

[A]

That's video.

[B]

Like a ring light, you know, And a strap on.

[A]

Yes. Why do you think you're going to be successful in those?

[B]

Because I thoroughly enjoy Dominating men.

[A]

Congratulations. I enjoy a lot of things. Doesn't mean I'm going to be successful in it. Why do you think you were going to be successful? Yeah, the industry is. Why do you think you're going to be successful is the question.

[B]

It's just about who you know.

[A]

Who do you know?

[B]

Well, I live in Vegas, and they have the conventions, and, you know, there's connections.

[A]

You know, you can go to conventions whether or not you live there, but either way, sure, continue.

[B]

I'm gonna try and, like, mingle and schmooze and, you know, get to know people.

[A]

Oh, wow. You have no business.

[B]

There's a. There's a BDSM community and everywhere, by the way, right? Well, I.

[A]

La, New York, Vegas, Austin, the four biggest in the country.

[B]

I'm saying that in Vegas, where I live, there's a BDSM community and that I'm involved in. But I just started.

[A]

You were not able to tell me why you think you were going to be successful. The only answer you had is, I like it, and I'm going to mingle. That's what everyone does in everything. You have nothing unique that is going to make you stick out that you're able to tell me about you being successful.

[B]

I like doing the mommy kink stuff.

[A]

Okay. You like. That's not a reason.

[B]

I'm good at it, but I'm also researching. I bought books.

[A]

She's researching.

[B]

I've listening to audiobooks. I've got equipment. I've paid for some, like, master classes.

[A]

Okay. Can I see what's in these apps of you getting these guys?

[B]

I'm also meeting a guy while I take a look. There's a guy in Galveston. A meeting here.

[A]

Texas is a big girl. That's like four and a half hours away.

[B]

It's three hours.

[A]

Galveston, I think, is a little further.

[B]

It's three hours. He says, whatever. It's not my problem. He's coming here.

[A]

Oh, he's coming here. Okay. What are you making from this?

[B]

Nothing.

[A]

See, Colton had that as a little note. It's tactics to help her out as, like, she's actually making progress. And then he just reacted when she said that as. Dude. He just gave, like, a. Why'd you just. Me. That was the reaction Colton just gave because he set that up as a way to help you against me.

[B]

This is my first time doing it, so get paid. It's practice.

[A]

Practice Sex. We need sex. Practice. You're 37. That blows my mind. 37? Nope. I mean. Yep. You look 37.

[B]

I do not look 37.

[A]

You're right. You do not look your age. Okay, so why do you need practice at 37 of.

[B]

I've never done. I've never done the mommy.

[A]

I haven't been feeding her stuff. This conversation. But I have to for a second because we have to learn. Unfortunately, if she's giving this stuff for free. What are you guys doing?

[B]

So he wants to call me mommy and he wants to suck on my nipple and fall asleep in my lap while I pet him and call him a good baby boy and that I love him.

[A]

What is complicated about that? To need to practice.

[B]

Cause you know, like stage fright in person.

[A]

What? He's laying on you and sucking your while you pet him and say good night.

[B]

I don't know. I just. That's the one thing I'm having a hard time doing is asking for the money. Well, I know. Which is like the whole point.

[A]

Well, yeah. You're a. Almost. Almost. I know you're trying to get to be. Huh. Okay. Yeah. Let me see how you're doing these in the apps. Show me whatever the biggest used one is. Let's see how you're doing it all. And it's Android. I don't know how to start a screen recording, so if you could for me, please. Thank you. Because you were bragging to Colton that you were talking to 50 guys at once right now.

[B]

Yeah. On multiple apps.

[A]

But you're a whore.

[B]

Not yet.

[A]

You're not even able to ask for it though.

[B]

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[A]

You're a failed who?

[B]

I mean, the point is you're supposed to.

[A]

I've never met a failed whore. Thank you for giving me the first laugh through the pain, girl. It's not going to get you money any quicker. So he's coming today, tomorrow. And does he come from this?

[B]

Well, I mean, I've got a chastity cage for him.

[A]

Teach their own man. I usually go into it just. Okay, what is this out bd. Bd. What is. What is for For.

[B]

It's for bdsm.

[A]

Okay. I don't think you connected to the WI Fi.

[B]

Do you want to see the chastity cage? I brought for him?

[A]

Not particularly.

[B]

Has it been you? I'll show you. Anyway, it's on you.

[A]

Can you confirm that it's unused? Is it used or not?

[B]

Okay, See, look, his little weenie goes in here.

[A]

Yeah, I mean you do got lots of men on here, man. It's surprising. You just. You don't do much.

[B]

This might be too big for you.

[A]

You're not, you're not running. You're not. You're not like doing much though. Like why are we not closing the deal?

[B]

Okay, touch it.

[A]

Not until I know. Okay, so this guy being edged and like that. I don't know. Oh my gosh. This is a normal dude.

[B]

Doesn't it? Doesn't that look.

[A]

What the. He's an attractive normal dude.

[B]

I know. I told you.

[A]

What the is he doing?

[B]

I told you.

[A]

Well, yeah. What is he doing? Wow. There is someone for everyone, ladies and gentlemen. So this actually I want to extra confirm for you. Incel. She's on the other crazy side of the. But on the male crazy side. Incel. Losers. This is proving that anyone can get anyone.

[B]

Look, it's only been used a couple times.

[A]

Oh, for sake, bruh. I also enjoy using my mouth. I guess we'll have to test that. Let's say we go back to a hotel room. Get on my knees from you, Bro. He is typing. You're able to get hot men.

[B]

I told you. Calling me ugly and a liar.

[A]

Oh, I also have crazy.

[B]

I also have something for your girlfriend.

[A]

You're a collector.

[B]

I have something for your girlfriend.

[A]

I certainly will not be giving it to her. What is it, caller?

[B]

For you.

[A]

Oh my goodness, you do not know what we're into. Okay, this is disgusting. This is disgusting. Okay, so if this is what you're trying to do and make money off

[B]

put in your place if this is

[A]

what you're trying to do and make money off of of what aren't we doing here? Because you've made $0, you're investing money into it. You're horn yourself out. You're going to get aids. Like what are we doing? What is the game plan here? Cuz it's not working.

[B]

The accountant by day in dominatrix.

[A]

So you want to be the accountant by day to confirm. Okay, good. Cuz that will actually at least keep money coming in.

[B]

Well yeah, I'm not dumb.

[A]

Could have fooled me. Come on. Your accountability shit was insane. And I still feel like you'll never be able to accept accountability if you're like this At 37, you're broken. You're never gonna get anywhere. So you live on your own now? How long have you lived on your own?

[B]

I don't live on my own. I live with my best friend and her husband.

[A]

Oh, my God. I'm so pathetic.

[B]

Okay, rent free.

[A]

Extra pathetic then. So let's figure this out. So we know what came in. It was 4108, which is less than you said. But you know, every month's a little different. Depends how many Fridays there are, regardless. What did you spend that month that you made? 4,100 last month while you lived rent free. Groceries, Money number. How much did you spend? What was your outflow?

[B]

All of it.

[A]

Okay. All of it. Sure. Give me a dollar amount, you dumbass.

[B]

Sure. Okay, so 4100.

[A]

Very good. 6626. So you live rent free. That's not him. That's not his fault. That's. You don't have accountability. You're a degenerate.

[B]

Yeah, yeah, yeah.

[A]

You're a bad person. You try to put all the blame on him, yet you can't do anything to save your own life. This isn't going to pay off your debt. You make more money than you're going to ramp that up to 8,000 spends. It's pathetic. You're pathetic. You think yourself is dummy? Mommy. No. You're submissive to the world. You're pathetic. You're nothing. You're nothing to society. You are the bottom. Well, you are a takeover.

[B]

Well, like 10 years ago, I would have been like middle class.

[A]

Now you would be middle class. You have an incredible income and you pay zero for the roof over your head. You're a failure. You're pathetic.

[B]

I participate in the utility bills.

[A]

You're pathetic.

[B]

And for the groceries, pathetic. No, I'm not.

[A]

Yes, you are.

[B]

No, I'm not.

[A]

You blame everything on him. Then you get just a few little bills, yet you spend $2,000 more than you make.

[B]

I do have a few little bills.

[A]

A few in terms of actually. Like the roof over your head? Yes. So you are pathetic.

[B]

I'm giving myself the life that eventually I will be able to afford.

[A]

Make that make sense, please.

[B]

I'm living the life that I eventually will be able to afford.

[A]

How are you gonna afford it? The friend you're living with, her husband wants you out. That's a couple months from now. How are you going to be afford. They got to afford that now. You can't even afford living for free right now. So how are you affording that in the future? Make that make sense. For me, please.

[B]

Well, I mean, so my sister is going to help me. Oh, so manage my other online stuff.

[A]

She's sad, pathetic. When next time someone like her comes to you and she's like, I'm hot and it's all my ex's fault and all this stuff. Do not listen to them. Do not listen to them. Fucking punch them in the face. She's a pathetic.

[B]

She's gonna be my media marketer, and she's gonna be helping me post content on Onlyfans.

[A]

What the is wrong with you? What is wrong? Post your loser.

[B]

I don't have time.

[A]

You have nothing but time.

[B]

No, I don't. I also run a guild for the Renaissance Festival.

[A]

Do you get paid for this?

[B]

No, that's all volunteer work.

[A]

Then stop.

[B]

It's a hobby.

[A]

I don't care.

[B]

It brings me joy.

[A]

I don't give a. I don't give a.

[B]

You know your opinion.

[A]

Then why are you on the show where it's only me giving my opin?

[B]

Start from scratch.

[A]

Okay, starting from scratch. I'm gonna get you there. Keep all the money and post it yourself.

[B]

Well, I'm not paying my sister.

[A]

What? She's gonna do it for free? Yeah, for everything. Yeah, and you're never gonna learn the skills yourself, so she's gonna see your. All that good stuff.

[B]

Well, she's my sister.

[A]

Sisters look at each other's clits.

[B]

I mean, if I have an ingrown hair, she helps me.

[A]

Okay, I'm getting, like, a. From Lindsay, so. Yeah. Okay, I'll accept it. Oh, she says it's weird. Never mind. Okay. Yeah, it's weird. I don't know.

[B]

We do have a very unique relationship.

[A]

Yeah. Incest. How much time is being spent on this biking stuff?

[B]

A lot. A lot. Because I also teach sewing classes.

[A]

Stop. Bro. You just figure out your ship. Do you want hobbies or do you want career? I mean, sex work itself.

[B]

Can I have both?

[A]

No, not really. When you're. When you're not making. You are making enough. You're just spending way more. But you're saying you're trying to prepare for this lifestyle you're going to live. I'm still confused. How are you gonna survive in June?

[B]

Well, we decided I'm not moving out in June because apartment prices go up in summer.

[A]

Who's weak? Cause I don't think the husband agrees. Well, he wants you out in June. He wants you out in June.

[B]

His wife convinced him that it's not a good idea.

[A]

Okay, fine. July. What are you gonna do? September. What are you gonna do. You're pathetic.

[B]

What am I gonna do?

[A]

You're a leech.

[B]

I can.

[A]

Apartment prices go up. No shit. But you make literally good money.

[B]

I'm gonna get an apartment with my sister who doesn't have a job.

[A]

Oh my gosh. You're never gonna. You're never gonna. You think you're a strong, independent woman? No. You're a leech. Pathetic, broken individual.

[B]

Well, I took care of my mom since I was 19.

[A]

Oh, I don't give a.

[B]

So many people have the siblings. Do you know how hard it is to pay for utility bills and be the only person doing it with making $10.30 an hour? And she didn't have health insurance and I had to pay for all of her doctor's appointments.

[A]

That part I do not know. I can't relate to that one. I can relate to all the other ones.

[B]

And we were in the middle of getting her approved for Social Security disability. Uh huh.

[A]

How old is she?

[B]

She's 72.

[A]

Okay, okay, well she already has Medicare.

[B]

She didn't have Medicare at the time.

[A]

What? What are you talking about?

[B]

Ssdi.

[A]

You have to get approved. I know that.

[B]

Yeah, you have to get approved.

[A]

But she's on the age for Medicare.

[B]

She wasn't at the time how it was. She was 64, which is pretty much there.

[A]

What is it, 66. Okay, so like a couple years. Either way, she could have gone on it earlier anyway.

[B]

No, you have to be approved. You have to have a disability.

[A]

What did she do?

[B]

She's got fibromyalgia.

[A]

And she wasn't. She didn't approve her.

[B]

No, you have to have all this paper trail with doctor's appointments and have a pain history.

[A]

Okay, so two years of that and this was decade, like over a decade ago.

[B]

Yeah.

[A]

So what's the excuse for the last 10 years?

[B]

Die? I lived with a drunk of a boyfriend.

[A]

Okay, so again, none of it's like you can make a big thing from about 10, 15 years ago. Like. Yes, that sucks. That, that sucks. That sucks. Oh wait, okay, but what about you and your life and everything you're doing literally right now? Spending more money than you make again. You are literally trying to play victim

[B]

from something that happened though.

[A]

You're having fun. That doesn't matter.

[B]

I'm having so much fun.

[A]

Okay, then what are you trying to do? Why are you here you go yourself then. I'm not going to talk to someone that doesn't actually want to improve their life.

[B]

I do, I do want to.

[A]

But you're having so much fun. That's all you care about.

[B]

Well, I haven't had joy in, like. Like six years, actually.

[A]

Okay, have joy and also spend less than you make. You have no overhead. Barely. Shut the up. That's funny.

[B]

Yeah, I gotta laugh.

[A]

You don't. You actually just have to spend less than you make. I know it takes a lot to store you, but you're getting that storage for free right now. I don't know. You create a hurricane every time you move your arm. Things are flying around.

[B]

You don't like my dress.

[A]

Absolutely not.

[B]

I'm sure they like my dress.

[A]

No, but you do get the couple freaks on there. You have proved to be with your phone. And that honestly blows my mind. So what are we trying to do? So you're gonna have to pay for your sister. You want to replace that again? You want to replace your mom situation? You're going to have to pay for your sister in a few months. She has no job. You want to support another deadbeat? You want to go deadbeat to deadbeat to deadbeat?

[B]

Dang, when you say it like that.

[A]

Well, yeah.

[B]

No, I love my sister. She's fucking great.

[A]

I'm gonna say you don't love her.

[B]

She's gonna be.

[A]

She doesn't have a job.

[B]

She's gonna be doing free work.

[A]

You make nothing of this. You have one subscriber. This is not the marketing manager. You're just posting video. Just post video. Schedule a sprout. Dude, I like.

[B]

It's hard, man.

[A]

No, it's not. It's literally not. It's literally the easiest thing you could ever do.

[B]

I'm struggling. So many apps, then you need to.

[A]

So many men, then you cannot handle it.

[B]

I'm having so much fun.

[A]

Then choose it over the Renaissance shit and sewing. You have to make choices now.

[B]

No, that's prior commitment. That involves other people.

[A]

Then stop this. You only have so much time. Your sister does nothing. That is not gonna pay the bills when you guys are together.

[B]

Eventually it could.

[A]

No. Eventually it could. Heavy on the could. Heavy on the could.

[B]

You know what? That eventually it will.

[A]

That's not how this works.

[B]

Eventually it will. I'm manifesting my destiny.

[A]

That's not how this works. It's the actual work. And you don't even know what it takes to get there. You're just hoping your sister will do it for you. And she's a loser. She's a loser. She's not going to bring any skills to it.

[B]

Well, she's taking care of our mom right now.

[A]

That's why she doesn't have a job.

[B]

Well, she can't get a job.

[A]

Why?

[B]

She's going to school for marketing.

[A]

Why doesn't she have a job?

[B]

Marketing? I don't know.

[A]

Your sister's a loser. Okay, good. Oh, my goodness. I swear, we ended up to the. I have. I have a hypothesis. Shut the up. I have a hypothesis. You say no, then you explain it, and then it confirms my hypothesis every time. Every time in this conversation so far.

[B]

I don't agree.

[A]

Okay.

[B]

Okay.

[A]

Wonderful. That doesn't change reality. I don't understand. That means nothing. Okay, listen. What do you think your Hammer Financial score is? What? When you move that, you cash out Your entire Roth IRA, buddy, you're already approaching 40. Your unk. Your unk. You cash out your Roth IRA. Why? You moved into a place that doesn't have any overhead. Why'd you cash out your Roth ira? Even with all this debt now?

[B]

Okay, so, okay, here's how.

[A]

Someone else problem.

[B]

The original plan was I was gonna move it into my new 401k at my job.

[A]

What? Your Roth IRA into your 401k?

[B]

Yeah, I was gonna take all the. It wasn't making any money.

[A]

That's just because you didn't choose an investment vehicle. Probably. Oh, my gosh. Oh, oh, oh, you suck. Okay, continue.

[B]

Don't really know anything about investment.

[A]

Doesn't matter. That's. That's not even a lack of knowledge. That's being.

[B]

And then my boyfriend at the time convinced me to use some of that money to fix up the truck that I had. So I spent probably a total of 8,000 last year fixing up that truck. Oh.

[A]

What's the current status of this truck?

[B]

Oh, my sister borrowed it for a couple weeks, and then she got into a car accident.

[A]

Did you have Gap insurance or anything?

[B]

It's a 1998.

[A]

What did you. What did you have on it, if anything?

[B]

Yeah, there's car insurance.

[A]

Okay. Did you get anything?

[B]

I'm in the middle of getting that worked out.

[A]

When was it?

[B]

Halloween.

[A]

You're in the middle of getting it worked out still?

[B]

Yeah, yeah. Insurance.

[A]

What's the current status?

[B]

So I submitted the quote that I got from the body shop and the mechanic to the other people's insurance. She got into a fender bender in the front and the back.

[A]

Is it drivable?

[B]

Yeah.

[A]

What's the issue then?

[B]

The back hatch doesn't open.

[A]

Okay. What's the issue?

[B]

The headlights are pushing into the radiator.

[A]

Okay. There you go. Yeah, that makes. That's. That's It. That's more. Okay, so. Well, where'd the other five go of the Roth IRA that you pulled out on taxes, fees like that? Probably.

[B]

I didn't pay taxes on it.

[A]

No, I don't think that's possible. I think that's automatic. I think the. I think. I think it holds it for you. What?

[B]

No, if I told.

[A]

Have you filed this year yet?

[B]

No.

[A]

Have you filed an extension?

[B]

No.

[A]

You just skipped the filing date, which was. Yeah. Yesterday.

[B]

Yeah, I'll just do it next year.

[A]

No, you owe money to the government. Listen, sometimes, you know, when the government owes people money, they don't freak out when you don't file on time. But when you owe the government money, they're not very happy. And you probably owe the government money with pulling out. With pulling out from that Roth ira.

[B]

Yeah, I'll deal with it later.

[A]

Do you know how much you owe? You know what your tax situ. You haven't even gone through TurboTax without filing just to see what you do.

[B]

No.

[A]

So what's the plan? Just kick the can down the road. That's it. That's the entire strategy.

[B]

Like hope that I have enough money by next year filing.

[A]

Hope. If you actually start making your money from the show, you're gonna have to do quarterly estimated payments as a contractor. As an independent business. Yeah.

[B]

1099 stuff.

[A]

Yes. And you're gonna have to pay all the taxes. There's no employer to take care of your portion of the payroll taxes. Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving giving you a special deal to download, but only for a limited time. When you sign up for Dollar Wise annual, you'll get my four course educational bundle as a special bonus so you can get financially ripped while you track your money. And normally this would cost over $700 by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and lifetime access to my my four best selling courses. Oh, and you'll also get a free copy of my Budget Friendly Cookbook PDF to download. So you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to Dollarwise.com or click that link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free Money you can get up to 200 in bonus cash right now when you sign up for 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.

[B]

Do you have an account? I know that much.

[A]

Huh? You know that much but you didn't file your own taxes.

[B]

You don't have to file every year.

[A]

What?

[B]

You can backfile.

[A]

Okay. Are you going to backfile? Yeah.

[B]

Next year.

[A]

Okay. With a penalty?

[B]

Yeah.

[A]

From what you already owe.

[B]

That's my plan.

[A]

Dude, you are so man. Okay. And you think selling your farts is what's gonna make up for this?

[B]

That sounds really great.

[A]

You are not amaranth.

[B]

I don't know who that is.

[A]

The one who basically invented selling farts.

[B]

Okay.

[A]

You don't even study the industry you're trying to do. What do you think your financial score is? 0 to 10. 0 being the worst. 10 being. Is the 10 being the best?

[B]

Probably like a 3.

[A]

You want your hammer financial score? Get it for [e-mail]. take the assessment. See where you stand in the world of money. It is free. Just takes a few minutes and you get your own personalized score. So link below. And if you don't want to be like a guest who ends up on the show, join the tens of thousands of other people in this community who are active dollar wise budget users. Listen. They use it for a reason. They are changing their lives for a reason. It is incredible. Incredible. Automated insights account connections. It is awesome. Check it out. Get a free trial. Most people take the annual version because it saves a lot of money. And when you do, you get my detailed personal 30 day meal plan that we made specifically for you. So you can do every snack, every meal, every drink, all within that nice little budget. With meal prepping, there's no excuses anymore. You also get the digital version of the cookbook now so you can make every single recipe. I know you won't use this, it is way too little calories for you. But go ahead and give it a try if you ever want. But I'll sign it and mail it directly to you dialawise.com or just download it or click the link in the description below. Check it out. Get the free trial, then get that. I want to mail it to you. It's awesome. People love it when you need to

[B]

build up your team to handle the growing chaos at work. Use indeed sponsored jobs. It gives your job post the boost it needs to be seen and helps reach people with the right skills, certifications and more. Spend less time searching and more time actually interviewing candidates who check all your best boxes. Listeners of this show will get a 75 sponsored job credit@ Indeed.com podcast. That's Indeed.com podcast. Terms and conditions apply. Need a hiring hero. This is a job for indeed sponsored jobs. I hate cooking. So we'll see.

[A]

Yes, I know that I will see lots of going out to eat in here. I know for a fact there's no way you didn't spend that much money and you didn't go out to eat a lot. 500 bucks. Miscellaneous. Bullshit's the crazy one. 1500 miscellaneous. It's just anything else you just do not need doesn't benefit life at all. Other than dopamine hits.

[B]

Yeah, dopamine hits. So I recently stopped drinking caffeine because I found out that.

[A]

No, you're literally drinking caffeine right over there.

[B]

Well, I mean like coffee.

[A]

That's.

[B]

I was drinking like three cups of coffee a day.

[A]

You're. You are drinking caffeine. Doesn't matter the source. Yes.

[B]

Doesn't have sugar in it.

[A]

Two of those is equivalent to about an eight ounce cup of coffee. You think sugar is caffeine? Do you think sugar is caffeine?

[B]

No. I know sugar isn't caffeine.

[A]

You just said, but are you sure there's caffeine in this? There's no sugar. You're okay. So you didn't stop drinking caffeine. But what was your point?

[B]

Well, if I drink less caffeine, then my antidepressants work better.

[A]

Okay.

[B]

What does that have to do with what dopamine hits?

[A]

Your behavior certainly hasn't changed.

[B]

Yes. Having no routine for sure. No self discipline. That's why I'm going into.

[A]

Girl, you already got enough. Trust me, that isn't doing anything. It was already there. You're fine, buddy. You're gonna be dead before this car. This card payment is paid off.

[B]

The car payment?

[A]

Yeah, this card payment card. Southwest Rapid Rewards $13,142.08 minimum monthly payment. $423. You're morbidly obese. Almost at 40. You're not going to live to the 24 years this is going to take to pay off. You're never going to get to the other side of it. Your life expectancy range is usually within the next decade or so.

[B]

I'm actually really healthy.

[A]

No, no.

[B]

I've Done all of my blood work recently and it all came back normal and I'm very healthy.

[A]

Okay, Will you stand on a scale right now?

[B]

You. No.

[A]

Then you can't tell me you're healthy.

[B]

My blood work says otherwise.

[A]

Okay, Will you do your blood pressure right now?

[B]

My blood pressure?

[A]

Yeah, sure. Okay. Can we have it? See, I mean, maybe you are. Maybe you've gotten lucky right now because obesity itself isn't the health concern, but it is the leading cause for many of the things that cause death. Heart disease, high blood pressure, heart attacks, diabetes, all that good stuff.

[B]

Right. But I'm not getting on that stupid, like that weight loss shot.

[A]

Okay? You don't have to just eat less calories than you make. I don't know.

[B]

I do eat less calories.

[A]

No, you don't.

[B]

But I sit all day.

[A]

No, it doesn't matter. Other than your baseline, if you consume less calories than your baseline, you will not gain weight. You will lose weight. You can't tell me that.

[B]

Well, you have to count calories.

[A]

Yes. That pathetic moron. Listen, maybe you are healthy. I don't know. But it's just like. Here's the thing. While that's going. It's not that I really give a shit about your way. We're not. I don't want to. It's not even a thing. That's not what matters. People always think I'm just digging into the way to dig into the way. One, again, you will not live by the end of this car being paid off. But two, more importantly, what is the point? And I don't bring this enough in the episodes. What is the point of the immense sacrifice that is required from after this conversation if you don't get to live to enjoy the benefits of the other side of the immense, immense work? So there's that part of the obesity conversation. There's two. The. The. The health is expensive. It's going to be. You have less energy to make more money. There is less. It is more health complications that are expensive. Okay. No, you're about 150 over 90. Was that what it was? Okay, so 144 over 87. So no, but it's not an emergency. But it's not necessarily defined as healthy. I might be able to use the excuse that this is a stressful conversation, and that is true. But you are hypertension, stage one, pre systolic, not diastolic. Okay,

[B]

okay, okay.

[A]

But you told me you're healthy.

[B]

Yeah.

[A]

Your blood pressure's not.

[B]

Well, that's because I'm here.

[A]

But Also, you are morbidly obese, not morbidly obese. Prove it.

[B]

Prove it?

[A]

Yes.

[B]

How the am I supposed to prove that? You step on the scale on 260.

[A]

Step on the scale, then. Okay, cool. She consented. Mark.

[B]

Mark,

[A]

the holder of the scale. Listen again, I do not give a shit if you are specifically, but if you're gonna come on here and give me.

[B]

I don't understand how this has anything to do with that.

[A]

I just answered that twice. Did you not listen? I gave you two very critical points. One, what is the point of you sacrificing the immense amount of very uncomfortable sacrifice that is required from this conversation if you're not gonna live long enough to actually enjoy the sacrifices? And two, being morbidly obese is health complications, which is expensive, which is debt, which is one of the leading causes of bankruptcy in this country. And less energy to do work. So many of your life goals, many of the things that are required are actually impactful in this conversation. So it's not just making fun of you for your weight, even though I'll do that on its own, but it's not just that. But also, more than anything, I don't let lies pass on this show. And if you sit there and you tell me I am healthy, I will not allow that. So would I have asked the blood pressure or wait, if she didn't say she was healthy? No, but I'm not gonna allow people to bullshit me on this show. Also, it's Caleb Spring. And also it's whatever the. We could do whatever the we want on the show. It's a fun show. It's a good show. And also, she consented to it. And it's not against her. No, no. List her things on her. No, no, listen. I will not tell you what's on her no, no list, as she said before, but we're not doing them because I respect all boundaries.

[B]

I weigh less than.

[A]

Good. What's your weight?

[B]

243.

[A]

You? No. That's good. I don't want you to be unhealthy. How tall are you?

[B]

5. 6.

[A]

So that's the point. And because people will cry victim for you a lot on the show. Was this on your no. No list before?

[B]

No.

[A]

So your BMI is 39.2. What is it? 39.2. Okay, so you are morbidly obese. Oh, no. You are one pound away from morbidly obese. You're obesity class. 2. You're not overweight. You're not obese. You're obesity class. Two, but you're almost obesity class three, which would be morbidly owes one pound. So take a sip and you'll get there. Okay, so what's going on with this card? Cause again, you will not live was the reason this conversation started to the end of this 23 years. Statistically, maybe you'll beat the odds. But even still, what's going on with this card?

[B]

So I got that card when it took a month for me to find a job. The first time I got fired.

[A]

Oh, here she goes with the whole victim shit. No, what's going on with it? You literally spent more money than you put on it. With the interest accruing, making the balance go up. This isn't about you losing a job in Covid six years ago. What is going on with this card now? Oh my gosh.

[B]

Plane flights and for cashback stuff. And you know, whenever I need shield storage.

[A]

130amonth.

[B]

Yeah, I have a storage unit.

[A]

Get rid of your. Who cares?

[B]

I just moved out of my ex's place.

[A]

Sell it all. It doesn't matter. It's stuff. It's stuff. It doesn't matter. You're putting it on an interest accruing card that is going up in balance, dude. Almost $4,000 of interest just last year. Get Kuto a Talon. It's an app. Get Kudo Talon.

[B]

What?

[A]

You can read it. It's the second line item. And then you also were paying for Tik Tok. What the. And then two Starbucks orders. What do you get for Starbucks at $30? $30 a pop, but either way.

[B]

Oh, that's a reload.

[A]

Reload what?

[B]

My Starbucks gift card.

[A]

Okay, but the second line of an item on there, some kind of app, it says.

[B]

I have no idea.

[A]

Oh my, oh my. You are broken. Thousands in interest, obviously, fees, but I think this is annual fees. Insane. Insane. That alone is insane. That balance is crazy. I need to be clear. I need to be clear because I know I yell at everything. That is insane. A balance of $13,000 is insane that you are only going up and. No, it's not. Because you were laid off six years ago for six months. No accountability. Freak. So, quicksilver, what's going on with this? Well, when I got laid off six years ago and took care of my mom 14 years ago.

[B]

Quicksilver. I use it for like, gas and fixing up my car, like oil changes.

[A]

Which, by the way, on the accountability thing, you blamed it on your boyfriend talking you into doing it. You know, you had the choice to say no. You're Past that magical. What is it? 26 year old frontal cortex for every woman age. You're finally an adult. You can actually make informed decisions for the first time in your life. Like you still could have said no.

[B]

Have you ever been in an abusive relationship?

[A]

Okay, you never said abusive.

[B]

It's an emotionally abusive relationship.

[A]

Okay, well, now it's immediate. Okay, you went from abusive to emotionally abusive. It is different, but it is still bad. To be clear. But also, you never said that in this conversation. You said he was a drunk and a failure and didn't take care of you. That is different than Emil truly abusive, which also unfortunately I do not. If you said that at the beginning, I would have believed you. Unfortunately, I have to let you know why I don't believe you. Because one, an hour in and we've talked about him so many times, you have not brought that up once. That wasn't on the no no list either. Two, neither is it in my notes. Three. Every single time you get called out on something, you try to find an excuse of why it's not your fault. So now after calling you out for an hour, you pull that out of your ass for the first time. You've made it impossible.

[B]

That meant if he's a drunk and he's a piece of shit and you

[A]

said he was a piece of shit. But not taking care of you.

[B]

Yeah, by not. Not being a good partner. Not taking care.

[A]

Not being a good partner can do a lot of things.

[B]

When I'm. When I'm down and out and like I need help.

[A]

That's different than emotional abuse.

[B]

Emotional abuse is constantly getting drunk and yelling at me and punching holes in the walls. Yes, that's different. Till 1am on a Wednesday to have. Have his argument made.

[A]

You didn't say that.

[B]

Well, I'm saying it now.

[A]

But also you're the girl who has cried wolf. And I'm so sorry.

[B]

I want to believe you about your opinion. Call him.

[A]

Clearly you do. Clearly you do because you're on this show. Maybe I will in the post show. We'll see. But I don't know. One, you do. You're on the show. Care. Okay? And it just. It just matters. You don't have to care if I think it, but you should care why I think it because others might end up thinking it. In life, when you're the girl who cries why wolf? You don't want to be that person. It makes it impossible to believe anything you say. That's not good. You don't want to be in that position. Okay. So if. If that is actually a real thing that happened, I am horribly sorry and I'm just gonna believe it did. But I'm having a very hard time believing.

[B]

I don't really care.

[A]

I know, I know. Yes, that's your cope. That's what you say. Obviously you do. But yes, that's an easy cope to say when you hear something you don't like. $8,660.29 on your Quicksilver OneCard. Well, unfortunately it is past due. Why possibly is it past due?

[B]

So I was making weekly payments.

[A]

Why? Okay, okay.

[B]

And I switched it to automatic payments.

[A]

Okay.

[B]

But so what it is, is I have it set up in my bank account that my bank account sends them weekly checks in the mail. And then I. Okay, stopped that. And then I forgot to set it to automatic pay. And I didn't know that it's it. I had to wait a month. I had to like manually pay it for one month.

[A]

Well, if you set up the auto pay, it would pay.

[B]

Right, But I have to like manually pay it after I stopped paying with the. Through my, my checking account.

[A]

Okay. Okay, sure. Maybe I. So it's getting a little hard to fully believe that story. But of course, fees and interest. Okay, let's see if that actually lines up with reality. Okay, it didn't. You had three late fees last year, so. No, it wasn't a one month thing. Clocked it. You're die in Minecraft. It's just like, dude, you can't tell me that. I mean, you had, you've had multiple late fees. It wasn't one month because you it all up.

[B]

I think just on this one.

[A]

Just on this one. Silly goose. Yes.

[B]

Okay.

[A]

Oh no. The excuses have stopped now. There it is. There's the reality. Okay.

[B]

She just doesn't do it because she's not responsible.

[A]

She doesn't budge budget use dollar wise. Stop.

[B]

I don't, I don't budget. My friends have tried to get me on budgets for years.

[A]

Well, allow this to be your chance. Take our budgeting class as well. That comes in the master money program. You get it all for free for the rest of your life. Caliper.com I'll try it out. Please do. I mean, literally what I think like 30, 000 people have taken our courses.

[B]

Not like I'm not interested and changed their lives to find a method that'll work for me. And then I like, I'll actually, you know, stick to a plan and stick to a routine. I mean, that's what I want

[A]

Cinemark and SAG to pay.

[B]

Oh, I forgot about Cinemark.

[A]

You forgot about Cinemark.

[B]

So my ex and I went to movies all the time.

[A]

So I activity.

[B]

I started paying for Cinemark because.

[A]

Oh my. It gave me this card that is basically maxed out that you are not ever paying on time. My entire life. What are you doing? I just don't understand why you don't care. It seems like you don't care.

[B]

So many things. There's so many, like, automatic payment things that I forgot to cancel.

[A]

Like just close the card and then nothing will happen.

[B]

He has my Netflix account, my Hulu account, my Crunchyroll account, my HBO Max account, Amazon Prime.

[A]

You just cancel the card. You can't have access to it anyway.

[B]

Can I cancel the card?

[A]

You can close it, yes.

[B]

I didn't know you could do that.

[A]

Close it so you can't charge on it and then these things will just stop charging. But you can't be trusted to have debt. You can't. You don't. You don't have to behave your for it. You're not a credit card person.

[B]

Yeah, no, I, I.

[A]

Well, there you go.

[B]

I never had. I didn't have credit cards until I was like 23.

[A]

Well, realize it then. Close them. Take away the, the weapons that are harming you.

[B]

I did. I wanted to bring all my credit cards on the show so I could cut them up in front of you.

[A]

Okay, well, I don't even need that. Just close them. Because you can just order another one if you cut them up. So, so, but yeah, it's a.

[B]

It was about the good visual moment symbolism.

[A]

Sure. Okay. Usaa, what's going on with this?

[B]

That's a new card.

[A]

New. Why? So you couldn't manage the other one. So you open another one. It has the same, basically the same balance as the last one. It's a new card. $8,140.96. What's going on? $148 minimum monthly payment. What's going on? Hello.

[B]

I don't know. Look at what's on there.

[A]

I'm trying to have you diagnosed before I look so I can see if you have any reasonable understanding of what's happening in your life. That's why I asked that for every single guest. What is going on in this card?

[B]

Buying things.

[A]

Oh, you're pathetic. One, you're over the credit. One, you're over the credit limit. So I was hoping you knew that. But of course you don't. Failure over by $140.96 minimum. Monthly payment of $148 takes basically 30 years to pay off. You will not be with us. I hope you are.

[B]

Maybe you'll beat the odds up to be 70.

[A]

No. How many morbidly obese people do you see at 70? All the people where my mom live are morbidly obese.

[B]

Mostly. Yeah.

[A]

At 70, they're the lucky ones that made it.

[B]

I don't know, they look a little rough.

[A]

Well, they shouldn't be at 70. Yeah, that's kind of the point, right? I want you to.

[B]

I want to.

[A]

But that's the thing with your fast food and miscellaneous bullshit spending on here. That's why I'm here. There it is. Ding, ding, ding. With the fast food spending and with the miscellaneous bullshit spending you do. The thing is, not only would a budget help you financially, it would help you health wise. You get more healthy, live longer, have higher energy, lower medical costs, lower blood pressure.

[B]

I do have hereditarily, I do have high cholesterol.

[A]

That's probably not good. While also being morbidly obese.

[B]

Not morbidly obese.

[A]

Okay. You take a couple more sips. I'm pretty sure you are now. You're still Class 2 obese. You want to be considered Class 2 of any kind of obesity.

[B]

I'd never even heard of that since today.

[A]

You accountability.

[B]

I mean, I never said I was not like fat. I mean, I know I'm fat, but I'm okay with it.

[A]

Oh, I think you were like every late every single month last year on this card. What was the point? The moment you opened it, you never paid a card on payment on time. You transferred to this card, it looks like is what I'm being told. Oh, and then you used it for everything because you lost your Deborah. Great. Okay, but even then, you still didn't ever pay your minimum monthly payment ever, ever, ever.

[B]

I thought I set it up auto pay like you have to set it up with autopay. Maybe it's through my checking account.

[A]

There's a chance you did, but you didn't have enough money in your checking account to actually make that automatic payment.

[B]

That happens. Yeah. Yeah.

[A]

Well, Buddy, you've had $301 of fees last year. Usually a late fee is 40 bucks. Do the math. I mean, it's, it's, it's crazy. And just above the credit limit. Like that's why all these fees are just making it go above. That's why I went 140 over. Plus the interest. Hundreds of dollars of interest. $100 of fees. 25.65% interest.

[B]

It's 2 5.

[A]

Well no, no, no. That is really bad. But most credit cards are near like 30 that like people like you would have.

[B]

Okay, well look, listen, listen Linda, the Amazon credit card, what is that a

[A]

reference to 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 Dr. 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 Stop bleeding out money making minimum payments across multiple high interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks pockets and letting look, if you're sitting on high interest credit card debt, a car loan at 18% or oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers. Or go to calebhammer.com and remember to you still gotta do the work. Oh, you're like a old boomer millennial. Okay, continue Q. I mean it's true if you're pulling boomer memes. We are young.

[B]

I made sure that the Amazon credit card that I have, I know that one is 29% and I made sure that the credit limit they don't exceed 300 that I can't spend more than $300 on that credit card,

[A]

Gold star.

[B]

Look, it's Amazon. Yeah, I. I got it all the way up to like $1,400 and I didn't notice. It doesn't matter.

[A]

All these balances.

[B]

We looked at her, then I paid it, and then I paid it down, and then I told. I called them. This was like, okay, Wells Fargo, you

[A]

couldn't get a statement for us, cuz.

[B]

Oh, that one's the. That one's the brand, brand new one. I haven't even.

[A]

Brand brand new.

[B]

I haven't even set it up. That one, it was. My tire popped when I drove to la and I didn't have the money or the credit balance to get new tires.

[A]

Okay, that doesn't add up to $4,236, though. Those things that you just mentioned, that's

[B]

the one that I lost my debit card, so I used that.

[A]

So if I actually had this statement, it'd be all bullshit.

[B]

Yeah, like groceries, movies, paying for my sister's stuff.

[A]

Your sister's stuff? Oh, my goodness. We're gonna need to call her and the ex.

[B]

Oh, oh, just got her. I paid for her haircut last weekend and I took her out to lunch.

[A]

Okay. Call your sister right now. I'm done. Call your sister right now. Yeah, we'll call the ex in the post shop. We'll call your sister right now. Yeah, you don't have to look for him for permission. It's my show. But also, he would say yes. Oh, she's the attractive one.

[B]

That's an old picture. You.

[A]

She was the attractive one. Tell her you said that for. She better answer the phone.

[B]

I did just pay for her phone bill.

[A]

Yeah, she damn better answer the call.

[B]

I paid off her phone bill and her phone.

[A]

How you don't have money on that.

[B]

On that card. She has no idea.

[A]

You can't text someone while you're calling them on Android.

[B]

My phone's probably locked. No, swipe up.

[A]

I got. There's so many men in here.

[B]

Oh, I did do that. I'm very organized.

[A]

Call has been forwarded to.

[B]

So all the guys that I talk to, they have like the little two heart emojis.

[A]

Okay. We're going to hope she calls back. Okay, so this is insanity. What's your minimum payment on this thing? So you owe 4,236. I think it's. I wouldn't trust you for anything, but sure.

[B]

Oh, here you go. Hello?

[A]

She's calling. Hello?

[B]

Hello?

[A]

What the are we doing here? Listen, I'm talking to your sister. I'm talking to your sister. Why the is she paying for all your bills? And why are you guys gonna move in together? She was already taking care of your mom and she's blaming all her on taking care of her mom, and then all of a sudden taking care of her failure drunk ex. And now she's gonna move into you in September and pay for all your while you do absolutely nothing. Why the are you draining your sister? Dude, your sister has been used her entire life. Why are you using her now?

[B]

I'm not using my sister.

[A]

She just paid your phone bill. She just paid for your haircut. She had to pay for your haircut.

[B]

Because I'm not able to do that.

[A]

Why aren't you able to do that?

[B]

Because I'm filing for disabled. I'm actually going to school to get my bachelor's.

[A]

And what's your disability?

[B]

That's none of your business.

[A]

Kind of. Your sister's giving all her money to you and she's gonna move in with you.

[B]

I'm not gonna tell you my. My personal information. That's hipaa.

[A]

Okay, good. So you're not disabled. Very good. And you're probably gonna try to abuse the system. And you're a taker just like your sister. Never a giver. You're welcome. I just.

[B]

I am a giver.

[A]

What are you a giver? What are you a giver? Taking student loans for your school, getting on disability, and I just wrote a two million dollar check for taxes yesterday. You're welcome.

[B]

Wait, are you. Are you doing this for my sister or you? Or is this interview for me?

[A]

So your sister who is giving you money because you can't do anything to save your life. She's been used her entire life. You know what that's like? Because you dated the same guy, apparently as her. Which is crazy, by the way. What the kind of incest shit we got going. But not only that. Your sister's been taking care of your mom. Then she took care of this drunk for 13 years. And now she's going to move in with you and have to take care of you. It is not fair to your sister. It is disgusting. She's paying for your haircut and you're like, wow, I have a disability. No,

[B]

because I would do the same thing for her.

[A]

Except you never will because you don't work and you never work. Except for when you're a stripper, but you probably aged out of that. What the. Well, we'll leave that there. You may have gotten in trouble for that one. You may have gotten in trouble for

[B]

that one, I think. So.

[A]

What's your disability?

[B]

I don't know.

[A]

Oh, my.

[B]

I don't know.

[A]

Can you guys imagine how much less in taxes we could pay if people, people just weren't able to abuse the system so easily?

[B]

She's not getting unemployment.

[A]

Why would she. I don't know.

[B]

What are you talking about, abuse the system?

[A]

She's filing for disability. You don't even know what disability she has because she doesn't have one.

[B]

I do know that at her last job when she lived here, that she fell off a ladder and hurt her hip. And so she was on, like, workman's comp, but it's like a. I don't know. She's got, like, something to do with her.

[A]

We need a revamp of every system we have, guys. We set up systems with good intentions, and people have just learned how to abuse it over the years. It's disgusting. It's really disgusting. I, I, I, man hate what this show has turned me into, but once you see the inside, once you see how the sausage gets made, it's disgusting. PayPal credit. What's going on with this? First of all, now, you didn't even tell me what you think your Wells Fargo minimum, minimum monthly payment is.

[B]

I think it's like 140.

[A]

So she hides that she's a stripper.

[B]

She used to.

[A]

That used to be a stripper. She hides that information.

[B]

I didn't know that. She didn't want to talk about it. Oh,

[A]

that's funny. Okay.

[B]

She also had no idea that you guys were gonna call.

[A]

Did she know you're on the show?

[B]

Yeah.

[A]

Okay, what was her name? She called back. Heck. $2,587. Yeah, you can deal with that.

[B]

I'm going to be in so much

[A]

trouble with her, and you give her free money? I don't give a. She kind of owed you that. Okay, Buddy, this takes 13 years to pay off your over the credit limit again on PayPal credit. $8588.17 with a minimum monthly payment of $57. Oh, Tik Tok Shop. What is La Navia? Lots of Tick Tock Shop. TikTok Shop. Tick Tock Shop. Tick Tock Shop. Tick Art Shop. Liquid Red. AMC Lanavi. Oh, my gosh. Am I what? Am I not saying that right? It's for toenail fungus.

[B]

Lunavia. No, Lunavia. It's a cream toenail fungus for stretch marks. Okay, I bought that out of an insecurity because my ex said that I got so fat that I look Like, I've had kids when I haven't.

[A]

Well, yeah, me too. That's what happens.

[B]

I bought cream to put on my stretch marks on my stomach.

[A]

Well, I mean, he probably shouldn't have. Like, your partner shouldn't hurt you for that, but. Yes. I mean, I got stretch marks that are here, too. Too. When you get fat, your stomach does this, and that's kind of what happens when you get pregnant as well. So stretch marks happen, so that's not surprising. Show me your tic tac shop. Hey, if we both do it right and we lose weight, we'll have loose skin.

[B]

I don't want to lose that much weight. You're really 20 pounds?

[A]

No, no, no, no. You'll be obese, class one. Come on. You got to be healthy. And we're not doing this health in any size thing. Science doesn't agree with that. That. Fortunately, news magazines got, like, co opt into that.

[B]

How do you go to tik Tok stream?

[A]

Just give. Just give. You're the one that spends it all on there. How do you not know?

[B]

They film me.

[A]

All right. You got, like, the most insane amount of bras I've ever seen in my life.

[B]

I know, it's crazy.

[A]

You're the one that did it.

[B]

I like stuff.

[A]

But congratulations. I got a whole.

[B]

Put things in the car.

[A]

Probably for the renaissance.

[B]

Yeah.

[A]

Oh, my gosh. You're spending so much money on just such. This is so much. And shoes. So many shoes and plugs and necklaces and headphones and. Oh, you are like a teemu purchaser. You have, like, a battery box and so many clothes. What is the 261? Solar panel recharger. Thanks. Like, dude, I didn't buy it. This is insane. What? That was in your history.

[B]

Yeah, from looking at it. Oh, yeah, yeah, yeah, yeah.

[A]

Okay, ebay. What's going on with this? Well, I would assume eBay still 6 years to pay off.

[B]

You didn't even look at. See, that's not my purchase history. That's. Show me your purchase history, you, history show. I'm getting there.

[A]

Okay, well, you look eBay. $1,366.38 minimum payment. $49. Oh, yes. There are still purchases. Oh, security. You're paying for, like, a security thing on there. You got interest and fees galore. 30.49. Interest is so ironic the way you live. Okay, bras. Bras. Lots of, you know, the kind of pants that fat women wear. Well, lots of fat people outfits. Yeah, yeah, yeah, yeah. The classic, like, waist slimming outfit. Yeah, yeah, yeah. Some books, I think, and something. Okay, lots of that's fine. Synchrony. What's going on with this? Marshalls. Immediately purchasing a Marshalls. Okay, minimum payment$27,299.99 owed. You're just shopping on every car, doing so much. It just left and right, left and right. Okay, so this is the big scary Amazon card that you were freaking out about earlier. What's going on with this? I.

[B]

Well, I know that one has a really high interest, so I keep the balance really low. I try. I try to pay off the. The full balance every month. Now I haven't been or. I don't think I have a long enough 29.

[A]

Minimum payment, $296 balance. Yeah, you didn't. Yeah. You're not gonna pay it off. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. Show me your Amazon. This is insane. So much spending. So much city simplicity card. Oh, okay. 398.81. Minimum monthly payment, $20. Two years to pound. Oh, my goodness. So much dominatrix. So much hair things and. Yeah, Atkins, that ain't working. Oh, my gosh. Iced coffee flavor. Atkins Cafe. It's so stupid.

[B]

I think those are the protein shakes. They're really yummy.

[A]

They are really yummy. I don't think it really works, though. Lots of hair shit and lots of septum piercing. Of course I even notice it because you have so much stuff going on. Usually it's the first thing I notice is the septum piercing. Spending ihop, the criticals, the necessities. Health conscious with your Atkins and ihop. Wells Fargo Wagons gonna hold you.

[B]

That one's my oldest credit card.

[A]

Okay, the balance, what's going on with it today?

[B]

The balance is low. I don't use it. Really? That much.

[A]

And why don't you pay it off? Oh, you did. Okay, I'll cross this one off. But it's Uber Eats. What's the point of Atkins with Uber Eats you sometimes.

[B]

I can't leave my office. I'm in the middle of doing stuff.

[A]

Pack a lunch, make a sandwich. Atkins meal plan. A 30 day budget meal plan for a reason. Pack your lunch. Meal prep was pathetic. No accountability again. Okay. Oh, personal loan. We got a personal loan. 10,000 that you couldn't send me a. You couldn't send a statement. What's the personal loan for of $10,000?

[B]

So that was. I got when my credit balance was up to 14 and I was looking to see. To get. I tried.

[A]

Okay, this is.

[B]

I didn't. Okay, so this is really stupid. It's so stupid. So I went to apply to see if I would get accepted so I could pay off the credit card. And then they approved me for 10. And I thought it was just like a. Okay, cool. You can get 10. I didn't know it was a Cool. You're getting.

[A]

What's your minimum monthly payment?

[B]

I make two.

[A]

What's your minimum?

[B]

I make weekly payments.

[A]

What's your minimum?

[B]

That's 187. Oh, every two weeks. It's like 17%.

[A]

3. 74. Yeah, that's not good. Maybe I can't advocate it for you. Listen, I do advocate for debt consolidation and personal loans and all that. Even bankruptcy? Sure. If you change behavior. If you don't, it ends up right here where you b. Where you consolidate under one and you bring all the balances up again and you have double the debt. You just touched my foot. Don't do that again. This is disgusting. This is. Don't. Don't make me nasty. Don't Listen. So, I mean, we. We opened a marketplace on caleb hammer.com to apply for personal loans. If you're in that position of wanting to get a better rate because it's lower rates.

[B]

I am not in the position.

[A]

So check that out@caleb hammer.com. but only if you change your behavior first.

[B]

I do know that I'm not in the position to get a personal loan. I am not ready. I know that you.

[A]

I want to advocate for you. You haven't changed your behavior. I'm seen for people out there that have.

[B]

I want to change my behavior.

[A]

Once you do, then you can look@caleb hammer.com and find the one that is better for you. West Lake.

[B]

That's my car loan.

[A]

Do you not owe anything on it or. Oh, no, no, no. What's your car?

[B]

It's a 2021 Hyundai Kona.

[A]

$6,544.44. What's your minimum monthly normally?

[B]

474.

[A]

Yeah, it's worth 2,507. Oh, there we go. That's it.

[B]

You're so dramatic.

[A]

Oh, I should be. Cuz you're a. You overdraft ten times.

[B]

Yeah, yeah, yeah.

[A]

I should be dramatic. You're not dramatic enough.

[B]

I get paid weekly and so sometimes I forgot the. I don't get the. The build dates correct.

[A]

What? It doesn't matter.

[B]

Yeah, it does.

[A]

Weekly is even more beneficial. I know it allows you to shut the up. Yeah, I get billed weekly. That's my issue. It's not Taco bell. It's not Opoyo Loco beans and Brews Islet barbecue taking 104 out from our checking account for who knows what going in, getting some bullshit. PayPal transfer hundred forty going in and getting some bullshit from the gas station. Listen, I know you don't do caffeine anymore, but you can do the hype hydration drink version here. I'm looking for the caffeine free. Caffeine free. Here you go. So that's the hydration drink version instead of the caffeinated version. No more going to the gas station getting some bullshit. Do your gamer subs. It's 40 cents a serving with a 10% discount using my code Caleb of my link in the description below. Get your free sample, see what flavor you like and then once you know what flavor you like, get that 40 cents a serving. A serving. Make your energy drinks or hydration drinks at home instead of getting a Gatorade or a Monster or whatever energy drink you do that costs expensive $4.40 a serving. Come on guys. So yeah, that's my weekly payment. Not the Popeyes, not the Zell, not The Nell's auction of 41. Not to go in and get into natural 21 game. PayPal 3 bucks. Vegas Bakery storage unit again even though we already had that on other card. Hilly dating app app. 30 bucks for that one. Zelina. 150 bucks. You're paying more to people than people are supposed to be paying to you. Fashion Nova auction 70 bucks. PayPal, TikTok videos 2 bucks. Del Taco, Sin City Taco, Cornish Pastry. Shut the up. Okay, fine, fine. Well answer. I don't know.

[B]

Let me see.

[A]

I don't know. I don't know how to work. Answer. Well, call her back then. The Bonfire Albertsons ATM with raw TikTok videos, Hobby Lobby, BBW, Cupid.

[B]

My mom called. She's not happy either.

[A]

Call your sister back then. Quinn Audio, Albertsons, eBay, PayPal, Walgreens Liquor Parlette, Marina's Fitness, Jack in the Box, Coffee and be. Call her. Call her. Give me your phone. Give me your phone. Give me your phone. Give me a phone. Give me your phone.

[B]

Some follow the noise. Bloomberg follows the money. Because behind every headline is a bottom line. Whether it's the funds fueling AI or crypto's trillion dollar swings. There's a money side to every story. And when you see the money side, you understand what others miss. Get the money side of the story. Subscribe [e-mail].

[A]

Just go with it. Give. Give it.

[B]

Get off of me.

[A]

Give me a phone.

[B]

Get on Your chair. She's not gonna answer.

[A]

Okay, give, give. Just give me the phone.

[B]

Cause you're an asshole.

[A]

Give me the phone.

[B]

Jesus. Here baby

[A]

sick. We will call you back. We'll call her back in the post show. You got $12 in here. You're overdrafting every second of your life. I'll get you a course career certificate. I'll get her a course career certification as a win. So she can not be a stripper with disability.

[B]

Apparently that's really common. Actually mental that they get physical disability.

[A]

Okay. Saving $2,400 down to 257.

[B]

Oh, I know my savings is trash.

[A]

Oh, okay. That makes it okay.

[B]

At least I'm not delusional about that.

[A]

Oh, about that. Great. You're the one who took it out. We'll call the ex. We'll call maybe the mom and the sister back. I don't know. We're gonna do a lot in the post show, but let's get this budget first. Be a good post shock. I know that right now.

[B]

Definitely not calling my mom.

[A]

Why didn't she call?

[B]

That's a no.

[A]

Okay, that's fine.

[B]

That's a hard no.

[A]

But, but, but why? It's fine. We don't have to. But why?

[B]

She's got a really high anxiety.

[A]

Oh, well then we're not gonna call your mom.

[B]

Yeah, I don't wanna. I don't want to hurt your mom.

[A]

Don't want to hurt anyone.

[B]

She's probably so mad, huh?

[A]

Don't they know where you are? What's going on?

[B]

Yeah, but they didn't know that they were going to get called. I didn't think about it.

[A]

Dangerous show caleb hammer.com apply I'll call anyone unless you tell me there's someone I can't call and I will not. But have I done well? Not going over your no nos. Okay, See chat. You get to define what the no nos are. Caleb hammer.com apply okay, so your debt, minimum monthly payments $1,947.25. Income $4,880. So no rent, but you help with utilities and stuff like that. How much does this cost on a monthly basis?

[B]

It's like 250.

[A]

Okay. How much for gas? Vroom vroom. Drive. Drive.

[B]

It's $50 a week.

[A]

Okay, 200. Car insurance?

[B]

Car insurance is 372 because I also have renters insurance and I pay for insurance for two vehicles.

[A]

Phone bill.

[B]

Phone bill is 180.

[A]

Okay, switch to helium. If t mobile is good out there,

[B]

I'M paying for the phone bill for me and my mom.

[A]

Even still 15 bucks a line.

[B]

We're talking about switching to mint.

[A]

That one's fine too. Helium's pretty much the same, but I advocate for it because better rewards. But either way. Okay. How do the groceries work in this house in terms of you eating?

[B]

I participate with grocery income. Or I give her money for groceries. And then sometimes I buy my own groceries and she cooks and I do the dishes.

[A]

I'll do 300 just to be safe. Okay. TP fund. Anything else you need to survive. 150 bucks. Medical, health care. There are co pays on a monthly basis.

[B]

There's co pays, but they're low.

[A]

How much a month?

[B]

It's.

[A]

Even if it's estimate, this is a

[B]

close budget, like $60.

[A]

Okay. Jim. I saw one. How much?

[B]

29.

[A]

Okay. I will do subscriptions of 40 bucks. Pets. No, none right now.

[B]

None right now.

[A]

Okay. Anything else that needs to be in this budget that I have not taken into account my pets. I know. I'm sorry. I agree. I agree.

[B]

I know. Boxer. A boxer and a pit bull. And they're so.

[A]

I know. I. I love dogs so much. Right. I am really sorry. That is the difficult thing, right. Where he can kind of like leverage it over your head. Because if you're the one leaving, even though you should have been the one one leaving.

[B]

Yeah.

[A]

It makes it so that he probably,

[B]

you know, I want you to come by, you know, every week or two, you come see the dogs.

[A]

Are you.

[B]

I stopped doing that two months ago.

[A]

Okay.

[B]

And because he's been so nice.

[A]

Well, he doesn't need to be a piece of shit.

[B]

I know, but it's like, I'm like, why all of a sudden I move out and you're. You're doing exactly the thing I've been asking you to do.

[A]

Well, to be clear, if he was emotionally abusive and certainly being an alcoholic, don't go back back. But it's okay to be around him for the dogs if he's being nice.

[B]

But it's hard. They're not going to be my dogs. I'm not taking them back.

[A]

No, I get you. Let's end with your, 151.75 left on a monthly basis. It just takes 41 months to pay off, which is really not that bad for the show. It's three and a half years. That's not that bad. Now you are going to have a rent situation that might push that further. But if you bring an extra income, we'll see. Maybe it brings it back down to where it's still three and a half years. So just focus on paying off this debt. Follow the strict budget meal prep, meal prep. It'll be good for health, it'll be good for budget it. Make your energy drinks at home, your hydration drinks at home, all that good stuff. Use the resources we have, pay off this, that three and a half years and get a fully six fully funded six month emergency fund. Use the dollar wise budgeting app to keep you along that way and then you got to catch up back up with investing again after that six month emergency fund. And at your age I'd probably do 50, 25. 25. 50% on needs age which will be 40 by the time this is done. But 50% on needs, 25% on fun which is a lot of money for your your situation and 25% to investing and you'll live a great life life. But it's a sacrifice of three and a half years and it's totally worth it. Now go make as much money as you can and spend as little as you can and you'll be fine. But the post show will not be fine cuz we have a lot of phone calls to make and it is going to be crazy. Let's get the Hammer Financial score first. You're getting out of debt situation. Isn't that hard. It's a little bit of time, not as much for most people on the show and you have the opportunity to make more money and cut your spending dramatically. Spending in a budget you overspent. 0 out of 10 there debt, no collection, high minimum payments and some dumb debt. And over the credit limits I can't give you better than 1 out of 10 emergency fund. Well you drained it so 0 out of 10. Retirement drained at 0. 10 real estate 0 out of 10 rounded up 0.5 out of 10. Get yours@caleb hammer.com now click the join button to watch three premium shows posted every single day, six days a week by joining Hammer Elite, including an extra 20 minutes of this episode called the Financial Auto Post Show. I'll see you. I don't know, whatever she's telling you is a complete lie. We were together for 13 years but 13 of those years were just honestly one of the most miserable that I've had. So I don't know what exactly she told you but please like tell me so I can clear it up. Well how about this? Maybe she can say it herself.

[B]

Let's compare the lists.

[A]

Let's do it.

[B]

All right. Yeah yeah yeah. Okay, let's start with your three DUIs, the seven times you've been arrested, tested and you still live with your parents.

[A]

Oh yeah, I'm sorry that I became raging alcoholic and I had to drink. But honestly, if anyone was with you, they do the same. Don't forget the summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my budget friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67% off everything, so don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now. You can't reason with the sun. Trust us, we've tried. This summer, it's time to put that angry ball of fire on mute. Columbia's Omnishade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your [e-mail] to spend more time outside and less time slathering on aloe lotion. You're welcome, Columbia. Engineered for whatever.