I Might Get Banned For This | Financial Audit

Summary

Financial Audit Podcast – "I Might Get Banned For This"

Host: Caleb Hammer
Guest: Angel, 20, Chef, Los Angeles
Date: January 16, 2026

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Overview

In this provocative, candid, and at times chaotic episode, Caleb Hammer sits down with Angel, a 20-year-old chef from Los Angeles, to perform a deep dive on her tumultuous personal finances. Angel isn’t just a chef at a high-end LA restaurant—she also works as a sugar baby, navigating both the culinary world and the world of paid companionship. The conversation spirals through confessions of theft, frank discussions about her side hustles, debts, evictions, and her complex relationship with money. Caleb confronts her on her spending habits, ethical attitudes, and future plans, with their trademark mix of blunt honesty, banter, and financial scrutiny.

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Key Discussion Points & Insights

1. Angel’s Income Streams & Lifestyle

• Primary Job: Angel works as a “chef de parti” at a well-known high-end restaurant in LA, earning about $3,800-$4,000 a month. Currently, she’s on medical leave after passing out at work. [06:03]
• Side Hustle: Angel is actively involved in sugar baby work, often making more from this than her kitchen job—up to $5,000/month from one arrangement. She’s candid (and explicit) about the nature of this work, describing everything from regular dinners to specific fetishes. [08:40–17:00]
• Other Income: Currently receiving $1,500/month from her ex (a wealthy show co-creator) and expects to go on disability if medical leave is extended. [25:48]
• Roommate & Rent: Shares an LA apartment with a “hot roommate” (who is also a sugar baby). Monthly rent is $1,600 each, but they often go unpaid and are leveraging claims against the landlord regarding building conditions and amenities. [25:33–69:48]

2. Approaches to Money & Ethical Blindspots

• Theft Confessions: Angel brazenly admits to stealing a candle and has a cavalier attitude about shoplifting from large companies: “Who cares if you steal from a big company?” [03:41]
  • Caleb retorts: “Big company still employs people…if everyone has the same mindset as you, it still impacts people’s jobs.” [03:49]
• Lifestyle Inflation: Despite inconsistent income, Angel spends freely on both essentials and luxuries (candles, energy drinks, Pop Mart collectables, pet supplies, frequent weed, and DoorDash). Her budgeting is haphazard, and she often misses minimum debt payments, letting interest and late fees accrue. [47:48–54:31]

3. Sugar Baby Dynamics

• How It Works: Angel typically charges $1,000 per “meet” or $4,000/month as an “allowance,” sometimes with surcharges for specific acts (e.g., $500 extra for a “pee” request). [16:24–16:52]
• Clientele: Her clients range in age up to 70; she finds most via Hinge rather than dedicated sugar-baby platforms.
  • “My going rate is $1,000 per meat, and then $4,000 per month.” [15:55, Angel]
  • “How are you coordinating this? So you just find people and you tell them. A thousand for a meet?” [16:00, Caleb]
• Safety Practices: Requires STD tests for unprotected sex, uses Mr. Number Lookup to vet men, and says she gets frequent tests herself. [18:51–19:04]
• Community: Other restaurant industry co-workers also sugar baby; one friend’s rates are $1,200/meet and $2,500/day for travel. [20:06–22:18]
• Relationship Overlap: Ex-boyfriend was a former client who became a boyfriend—and still sends her money after their breakup. [25:48]

4. Financial Disarray—Debts, Spending, and Housing Instability

• Debt Load: Angel owes thousands on multiple credit cards, has a car loan (2021 Corolla, $15.5k balance, worth less than owed), a student loan ($1,300+), and owes $1,000 to her sister. [64:02–80:24]
• Spending Habits: In a recent month, she spent ~$8,500 (though some involved repayments, gifts, and business travel), but much also went to non-essentials and impulse buys. Regular overdraft.
  • “You spent $8,494 last month…” [81:22, Caleb]
• Delayed Payments: She misses payments and accumulates fees, justifying it with a hand-wavy “I don’t know what happened.” Only recently began tracking with a budgeting app. [53:00–54:31]
• Housing Precarity: She and her roommate alternate paying rent, file complaints for missing amenities, and are clinging to possible legal claims to forestall eviction, despite acknowledging the risk of homelessness is high. [69:48–73:50]
• Family Strand: Her mother was evicted and moved back to Vietnam; Angel struggles to meet basic expenses, needing outside help. [73:50–74:27]

5. Attitudes and Social Commentary

• Candid (and Chaotic) Honesty: Angel openly discusses her sex work, kinks, and bizarre sugar dating scenarios with a matter-of-fact tone, highlighting L.A. lifestyle contrasts and generational perspectives on sex, work, and money.
• Caleb’s Perspective: Frequently interrupts with skepticism, judgment (“You’re a cancellation risk”), and social commentary—challenging Angel’s justifications and pushing for a reality check.
  • “No income will save you.” [39:33, Caleb]
  • “You’re glugging and sucking down c*m and can’t pay a $30 payment on time.” [53:02, Caleb]
  • “You have to suck d*ck to survive, and I don’t like that.” [90:26, Caleb]
• Self-Awareness & Deflection: Angel is aware of her own mess and recklessness but often responds with humor, sarcasm, or deflection. She admits to being "bad with spending" and calls herself a "walking HR violation." [54:31, 85:36]

6. Future Plans—A Glimmer of Optimism (or Delusion?)

• Professional Path: Aspires to teach high school culinary arts (salary ~120k, based on California public salaries), though admits it's not a high-demand field and doubts she'll get her debts resolved on her current path. [38:44–39:06]
• Financial Planning: Considers putting away one month’s expenses as an emergency fund before tackling debt, though admits her basic spending trajectory will keep her dependent on sex work or outside support. [91:17–91:54]
• Retirement: Minimal/no savings; doesn’t know how to access any 401(k). [92:36–92:41]

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Notable Quotes & Memorable Moments

• On Stealing/Candor:
  Angel: “Who cares if you steal from a big company? Like what the fck.”* [03:41]
  Caleb: “If everyone has the same mindset as you, they just... it still impacts people's jobs.” [03:49]

• On Her Sugar Rates:
  Angel: “My going rate is $1,000 per meet, and then $4,000 per month.” [15:55]

• On Missed Payments & Financial Literacy:
  Caleb: “You’re glugging and sucking down cm and can’t pay a $30 payment on time. What is wrong with you?”* [53:02]
  Angel: “I think that was like six months ago. That was before…”
  Caleb: “No, this was last…this was last was October, you dumb…What is wrong with you? How do you not know anything?” [53:14]

• On Dating/Sugar Baby Scene:
  Caleb: “I just don’t understand why men are paying you. I really don’t get it. It is not hard to fck.”* [34:42]
  Angel: “Because they’re 60.” [34:46]

• On Housing Precarity:
  Caleb: “When you guys are on the street with the other lovely people in LA...then what?” [69:53]
  Angel: “Yeah. Because there’s a lot of them.” [69:53]

• On Her Financial Score:
  Caleb (assigning Hammer Financial Score): “She overspent 0 out of 10…Barely just rounded to one out of 10. That’s being generous.” [92:21]

• Self-Reflection:
  Angel: “I’m a little bit of a yapper.” [37:40]
  Caleb: “You’re a flight risk.” [37:32]

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Timestamps for Important Segments

• [01:40] Angel’s Intro & Background
• [03:03]–[04:08] Shoplifting, Morality, and Justification
• [06:00]–[08:40] Main job, passing out, medical leave, and employer process
• [08:40]–[20:00] Sugar baby work, explicit details, rates, and arrangement logistics
• [25:05]–[26:38] Rent, roommate, and housing payment struggles
• [32:25]–[38:44] Sex work, dating dynamics, and social attitudes
• [47:48]–[54:31] Credit card debt, financial mistakes, and accounting confusion
• [64:02]–[80:24] Deep dive into debts, loans, pet expenses, and car situation
• [69:48]–[73:50] Eviction threats, housing drama, and LA living conditions
• [91:17]–[91:54] Planning ahead: emergency funds and debt payoff
• [92:21]–[92:41] Hammer Financial Score and retirement assessment

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Summary Table – Angel's (Approximate) Financial Snapshot

| Category | Amount Owed / Expense | Notes | |---------------------|----------------------|---------------------------------------------------------| | Credit Cards | Several thousand | Multiple cards, recurrent fees & late payments | | Car Loan | $15,574.67 | 2021 Corolla, underwater despite large down payment | | Student Loan | $1,300+ | Private loan, small required payments | | Sister | $1,000 | Borrowed for living costs during illness | | Rent | $1,600/mo | Often unpaid; roommate in similar straits | | Pet Expenses | ~$1,000/mo | Two dogs, two cats; no insurance for 14-year-old dog | | Income (Disability) | $900/week (expected) | Not enough to cover rent/essentials | | Ex-boyfriend “support” | $1,500/mo | Until January; then ends | | Sugar Baby Income | $1,000–5,000/mo | Highly variable, needs continual “recruiting” | | Other Expenses | Energy drinks, DoorDash, Pop Mart, weed, Amazon - high discretionary spending |

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Tone, Language, and Takeaway

• Language/Tone: The episode is unfiltered, explicit, and often veers from dry financial talk to playful (and blunt) banter. Angel is irreverent, self-deprecating, and deflects with humor; Caleb is both incredulous and unwavering in his financial advice, often exasperated but always intent on reality-checking his guest.
• Takeaway: Angel’s life is a case study in financial instability fueled by lifestyle inflation, avoidance of hard realities, and a reliance on unconventional income streams. She’s constantly on the edge—both financially and socially—oscillating between short-term survival and grand plans for a more stable future.

Memorable closing:
Caleb: “…You have to suck dick to survive, and I don’t like that. That’s not a position anyone should be in.” [90:26]

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Final Hammer Financial Score

1 out of 10 – “That’s being generous. It’s probably close to 0.5.” [92:41]

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Interested in the drama? The post-show promises stories about her ex, her mom, and more utility scandals. For now, this audit leaves Angel with a stark outlook: without drastic changes, it’s a cycle of debt, instability, and hustling on the financial edge.

Transcript

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[A]

Just to be clear, this is not my only form of income. My going rate is dollars per me and then dollars per month.

[B]

Dollars per meat.

[A]

I like. I charge extra for some things like this guy wanted me to piss on.

[B]

His hand and dollars a month, that's.

[A]

Like an allowance if you want to see me like whenever you want.

[B]

And they can whenever.

[A]

Yeah.

[C]

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[A]

Hi, I'm Angel, I'm 20, I'm from LA and this is Financial Audit.

[B]

Yes it is. Thanks for coming in. I want to start this episode with a pre episode. A a pre episode. We were doing some classic pre episode stalking on socials as we do and so found you on Instagram. Very different hair color by the way. You look like a granny on Instagram and you look like you protest for a living here. But either way we show. I saw your Instagram. I uploaded a story. Okay, I clicked on it. It's Santa shoes. She has these Santa slippers. I'm inserting the screenshot here with names blurred of course, and a tag on them.

[A]

Okay, I did with tags.

[B]

And you immediately like, is this a bad look before I come on the show? And I said very okay, you're purchasing expensive. But right before you come on Financial Auto Santa slippers. First of all, for la, by the way, not even getting, not even getting cold.

[A]

I have four pets. I have two cats and two dogs. The floors get dirty. I need slippers. I did not steal those, I swear.

[B]

Okay, did someone accuse you?

[A]

Because the tag was on them. Oh, the little security tag was on them.

[B]

Okay.

[A]

No. You know what? I'm not going to tell the story. Should I tell the story?

[B]

Well, it's not like they care in LA if you walk out with them. Not paid for anyway.

[A]

Yeah, because I.

[B]

They'll come after you.

[A]

I did steal a candle that day and the sensor went off and I totally. I was with my roommate and we were like. She also stole stuff.

[B]

You ran in the back of me on purpose? Yeah. Why is that? I hate talking. Oh, wow, you're a creature, aren't you? I can already. She's gripping on.

[A]

I'm gripping. So then we were like, the security alarm goes off, we turn around and then they're like, whatever. They just let us go. And then I realized it was because the security tag was on the shoes. So I.

[B]

Why are you stealing? I did not know that. Stole that. That's what I do.

[A]

Well, now everyone knows it because like, who cares if you steal from a big company? Like what the.

[B]

Well, big company still employs people based on their profits. And yes, they might have things that are. Overall stock performance might be their favorite thing, but they do rounds of layoffs if stock is not doing well. And everyone's. Yeah, but if everyone has the same mindset as you, they just.

[A]

Oh, it's just.

[B]

It still impacts people's jobs.

[A]

Expensive. I'm on medical leave. I wanted a candle.

[B]

Pay for it.

[A]

I will next time.

[B]

Will you? Because your roommate's dealing shit too.

[A]

I don't know. Whatever.

[B]

Whatever. Whatever.

[A]

I do what I want. Like, I'll find someone ever buy it for me?

[B]

Someone to buy it for you. Why don't you just buy it?

[A]

Because like, sometimes you can't.

[B]

Well, then you don't need a candle. A candle's not necessary to survive. Okay. You said you're on leave, but what do you do for a living?

[A]

I'm a chef. Why are you looking at me like that?

[B]

Cause you're just like. Because of that. Like, I don't know if I would trust you over an open flame. I don't know if I would want to be next to you.

[A]

I'm really good at my job. I swear. I've worked with like, I've worked with one, two and three Michelin starred chefs.

[B]

Well, you being a chef usually means raw. So I guess we don't have to worry about an open flame at the local.

[A]

What do you mean. It means raw. Like a raw bar? Is that what you're asking me?

[B]

Or like tuna?

[A]

No, salmon. I don't. I hate fish. But, no, that's not. I. I'm an actual chef. Like, you have heard of the restaurant I work at?

[B]

Yes, Texas Roadhouse. I've heard of it.

[A]

Yeah. That's where I work. No, I work at Cracker Barrel.

[B]

Do you? Actually, I don't know you where you work. Okay. I guess it is a bougie restaurant, I've been told. Are you a head chef? Are you just there like. I'm a. Yeah, chef.

[A]

I'm a chef de parti, which is like. It's. Well, I mean, all the line cooks there are called chef departies, but.

[B]

Okay, great. Well, what are you making? This job in LA, this will really determine whether or not you're valued.

[A]

30, 38 to 400,000amonth. 38, 000 to 4,000. No, wait, no, I'm sorry. 3, 800 to 4,000amonth.

[B]

So do I call it 3, 900?

[A]

Yeah, sure.

[B]

To average it, yeah. You're on leave. Why?

[A]

I passed out at work.

[B]

Well, so that immediately goes to leave. Did you not go get tested for, like, blood sugar or something?

[A]

So. Okay. I actually. I've passed out two times. Once was like, three months ago.

[B]

Okay, well, that.

[A]

And then once was recent. Like a week ago or. Actually, no, at this point, it's been like two or three weeks. But basically.

[B]

You have that medical device strapped on top of your nose. Like, keep it open.

[A]

This is. This is.

[B]

That's what Alex hero wears, if I'm not mistaken, so that he breathes literally.

[A]

What every single one of my chefs said. They were like, oh, you have a breathing aid because you passed out?

[B]

Yes.

[A]

No, it's cute. Okay. You. It's cute. Okay, whatever.

[B]

But anyways, so maybe we like it a little different here in Austin, Texas.

[A]

Yeah, I don't think my look is very Austin, Texas.

[B]

Well, I don't know. I mean, Septon Pearson kind of, but you kind of. You're just evolving.

[A]

I'm evolving?

[B]

Well, yeah, you got the pink purple hair and then the breathing kit.

[A]

Okay, so the silver.

[B]

Why'd you pass out?

[A]

Okay.

[B]

Why?

[A]

Don't pass out. No. So basically, I passed out. They take me to the er. The ER runs like, electrolyte tests, anemia tests, and like one other blood test. They basically were like, we need a paper that says you're able to come back to work. The workers comp doctor was like, well, I can't medically clear you. Because I don't know what's wrong with you, but I have no evidence that your work is making your condition worse. So then he gave me a slip that said you can go back to work full, no restrictions. But this is not medical clearance. And so then my employer. So you're about to make a trade based on a friend's text, but which you do you listen to, is it. We could buy a house in Tulum, get optioning those options. We could lose everything. Or let's do a little research, get your head in the trade and make the investment decision that's right for you. Learn [e-mail] TradeSmart Lawyer was like, well, we can't accept this. So you need to go to your primary care doctor and ask them to either give you a no work or work with no restrictions or work with restrictions. And what those restrictions are. So then if I get. If I get a document that says I can't work, then I'm going to. I'll be able to go on disability.

[B]

Okay, well, disability is not great. Is that what you want?

[A]

No, it's not.

[B]

You're not going to pay because even bucks in L. A. How are you doing?

[A]

Just to be clear, this is not my only form of income. I also sugar baby on the side, and I make more money off that.

[B]

Okay, what are we talking about today? What are we talking about today? What's going on?

[A]

Well, my sugar daddy just broke up with me.

[B]

Okay, well, there goes the side income.

[A]

But I can find another one. Like, it's not that hard.

[B]

Maybe. Okay, pause. Yeah. Is that what you're trying to do right now? Because there is full titty right here. Like we're seeing tits. Zoom in on the tits. But also, why is it still blurry? That's all the resolution we have. Making it bigger doesn't make it clearer. Well, also then zoom down. You got full belly. Hang. I don't know if that leads to sugar daddy. I mean, dude, that. Well, it's hanging. Oh, I'm just. I'm being objective here. I'm being objective. I'm being objective. Like, okay, great. Yay, tits. Everyone likes tits. Your literal nipples are right there. Okay, good. They're fine. But then the belly. I don't know if that's going to be recruiting people. Because here's the thing. Here's the thing. I'm not typically judging someone just based on that. Like, I don't care. Who cares? And you're not asking for that judgment. But if your entire existence of survival is recruiting Men to pay you for your looks, then we got to be kind of objective about it.

[A]

And then any girl that has a fat ass has a little tum.

[B]

Well, I don't know if you do.

[A]

I do. So there we go. That's why I have a little tum. And it's cute. Tom is cute.

[B]

Are you looking to Brandon for affirmation?

[A]

Brandon, do you agree, Brandon?

[B]

He does not. But you do have scratch marks here. Is that from what they pay for? Scratch marks above your boob, right where your hand is, right here. Oh, no.

[A]

I scratched myself.

[B]

Okay, listen. I mean, I'm just. Again, I'm fat, so I got a fat ass. That doesn't mean, like. Listen, it's usually the fat ass with, like. The person in shape is typically. Okay.

[A]

Yeah, I don't go to the gym, and that's okay.

[B]

That. That doesn't matter. Normally, I wouldn't, like, comment on that specifically, but if your entire income sources men paying for you to kind of be the hot one. Right.

[A]

Well, first of all, it's not my entire income source.

[B]

Okay. What came in from sugar daddy that.

[A]

Just broke up last month? I think, like, five grand.

[B]

Good. Well, that is your primary income.

[A]

Yeah, it's my primary income, but it's not.

[B]

How old is this man?

[A]

He's 45.

[B]

Aunt. Was.

[A]

He is.

[B]

Because he broke up.

[A]

Yeah, but he's still alive. He's not dead.

[B]

Phew. Okay, so he broke up. Why?

[A]

It was a lot of things, but basically, like, the tipping point was because I was out with one of my other sugar baby friends.

[B]

Oh, sugar baby friends?

[A]

Yeah.

[B]

Is she more attractive?

[A]

No, I think.

[B]

Can I see?

[A]

Yeah, sure. You might think she's more attractive, but she's, like, more la. Like Barbie doll.

[B]

Isn't that what they're paying for? I'm sorry. I'm just. I'm just trying to be objective here. I know this is probably coming across as rude, maybe a little sexist. I don't give.

[A]

You can't sit here and say that I'm not pretty.

[B]

You're. Yeah. Six out of ten.

[A]

A six out of ten.

[B]

Okay, I'm being objective here.

[A]

Show him your routine. Oh, because she's pretty, too. She's really. She's.

[B]

Yeah. Okay. See, this is what you think when you think sugar baby.

[A]

This is. There's different types of guys out there. Okay.

[B]

So hot.

[A]

Do you want to hear the tea? Want to hear the tea?

[B]

To a certain point, I wanted to mesh with kind of what's going on, because you literally just lost double your Income, you're making practically six figures, Nat. A month? A year. A year. Sorry. Why did he break up? Cause he saw you go out with the hot one.

[A]

This is my roommate.

[B]

Oh, why do I.

[A]

Because she's also a sugar baby.

[B]

Oh, your roommate's stunning.

[A]

Okay, why?

[B]

Where is she?

[A]

How am I getting so, like, shit on right now?

[B]

You're not ugly. Just not. It's not what we usually think. When we think sugar baby, I'm probably coming across. I'm not trying to be rude. I'm trying to be objective. If you're recruiting sugar Dandy and you're making 5,000. But he just broke up with you. Why?

[A]

Because. So I went out with my other sugar baby friend, and she. Yes, the. The hot one. And she was. She took. She was like, let's go to this hotel because I really wanted to go swimming. So then she was like, it'll be free. And I was like, okay, we go. And then it's not free. And she's like, how much is a room? The girl's like, $500 a night. And I'm like, okay, let's. Let's just go. Like, we don't need to be here.

[B]

And then there's not other places to swim in la. What the f CK is happening?

[A]

Well, I'm gonna get there because this part pissed me off. Then we get in the car. Also, by the way, I'm like, low key on shrooms at this point, so my, like, ability to make decision inhibited. And so she's like, well, just call and he'll give you money for it. And I was like, I.

[B]

The sugar daddy? Yeah, okay, bleep his name.

[A]

But yeah, I don't want to do that. Like, I was just thinking, like, 5,000.

[B]

From him a month.

[A]

But okay, that's why I was like, I don't want to do this.

[B]

Which, by the way, means you're making six figures. So why couldn't you just afford to get the hotel?

[A]

Well, because I was using that money for my debt and for my pets.

[B]

Yeah, maybe. I doubt it, but. Go on. Maybe pets, debt, doubts you wouldn't be here. Yeah, but okay, okay.

[A]

So then basically, like, I was like, in my head, I'm like, I should not do this. Like, this bad. But in my, like, shroom mind, I was like, okay, like, I'll just call him. I call him, by the way, he doesn't like when I do shrooms. So then it was just like a double whim. I'm like, hey. And he's like, you so you're on shrooms and you want me to pay for this hotel room? He's like, I'm not doing that. And then.

[B]

Fair.

[A]

It was like. He was like, I just feel like we're not a good match for each other. And then he broke out the next day.

[B]

Drugged out, crazy person.

[A]

Not a drugged out, crazy person.

[B]

Steal shit. Yes.

[A]

Yeah.

[B]

Well, okay, so what was he getting for 5,000 hours a month in detail?

[A]

My boyfriend.

[B]

Mm.

[A]

He was. We, like.

[B]

Now, how did this work? Cause if you're recruiting another one, we're.

[A]

Really not like a sugar daddy, sugar baby relationship.

[B]

Okay. Where'd you guys meet?

[A]

On hinge.

[B]

Okay.

[A]

So I find a lot of sugar daddies on hinge because it's easier than, like, seeking arrangements.

[B]

I don't know. I wouldn't know. I don't know.

[A]

Okay, well, I'm telling you, okay. Hinge is easier, but obviously, like, a lot of.

[B]

So you found a 45 year old?

[A]

Yeah.

[B]

Yeah. But how did it get to 5,000 hours a month? How does this happen?

[A]

So I was basically like, do you want to spoil me? Like, that's my hook. And then he's like, yeah, like, you're really pretty. And then I'm like, okay. Like, he's like. He's like, I like to give gifts and stuff. Like. But he's never been in. Like, he never had, like, a sugar baby before.

[B]

Like, that's transactional. What was he getting it.

[A]

That's why he is not really like a sugar daddy. He was my boyfriend who was giving me money.

[B]

Like, you just said your sugar daddy broke up with you.

[A]

Met him through sugar babying. But we, like, he. After we went on our first date, he was like, I don't think that this is for me. Like, I don't want to do that. But I really liked him, so I was like, I'll just come over and, like, we can just hang out. So that's what we did. And then we eventually started dating. And basically, like, my going rate is $1,000 per. And then $4,000 per month.

[B]

$1,000 per meat?

[A]

Yeah.

[B]

Okay.

[A]

Or it's like a $4,000.

[B]

Thousand dollars per meat. How are you coordinating this? So you just find people and you tell them. A thousand for a meet?

[A]

Yeah.

[B]

Okay. So Brandon over there, he meets you. $1,000.

[A]

Hi, Brandon.

[B]

$1,000?

[A]

Yeah.

[B]

You make money, so I guess you can. I don't think it's in the budget for this show, so we'll let him test it. Okay. 1,000 for a meat?

[A]

Yes.

[B]

Tell me how the meat goes.

[A]

It's usually like a dinner date. They pay for my dinner and stuff, and then we go back to their place and do whatever they want.

[B]

French fries and some snatch for the 1 5. Don't sound too bad. Whatever they want.

[A]

Whatever they want.

[B]

Whatever they want.

[A]

Whatever they want. I like. I charge extra for some things. Like, this guy wanted me to piss on his hand.

[B]

What did you charge for PE hand?

[A]

$500 on top.

[B]

So to be clear, they can offer $1,000 and, you know, they got to go through dinner, whatever, and they get the.

[A]

Yeah.

[B]

And you're finding them where unhinged, and you're just saying $1,000 to.

[A]

No, it's not what I start with, but I'm like, do you want to spoil me? And then the sugar daddies are like, yeah. And then they. And then I tell them, and they're like, okay, sugar daddy, how often is this happening? Like, sugar daddying is a king. Sure.

[B]

But also, I'm sure some guys just kind of want to.

[A]

Yeah, yeah, for sure.

[B]

And $4,000 a month, that's like an.

[A]

Allowance if you want to see me, like, whenever you want.

[B]

And they can. Whenever.

[A]

Yeah. And then. But they need to, like, provide for me when I'm with them. Like, they're not. Like, I'm not going there and spending my own money.

[B]

They put in the service. Yeah, but then they get the.

[A]

Yeah.

[B]

How many on retainer do you have?

[A]

Well, right now I am. I'm diva down. Diva down. For real? Like, no sugar daddies because I just broke up with my boyfriend.

[B]

Okay. Which you're opening for the new. New sugars.

[A]

Yeah. So I.

[B]

Okay. Okay. Before the boyfriend, the 1,000 per nut. Like, how often was this happening?

[A]

Well, since I was just using it as, like, the reason I started doing it.

[B]

How often was it happening?

[A]

Probably, like two times a month. Two, three times a month and.

[B]

Okay, two, three. Then how many did you have on retainer?

[A]

I. I haven't had any before. Like, I. I would just, like. I would have, like, one or two at a time.

[B]

That would just, like, the communication for how the sex goes.

[A]

What do you mean? Like, they just. They just tell you what they like, and you're like, okay, I'm fine with doing that. I'm not fine with doing this.

[B]

Okay, so it's not whatever they want.

[A]

But I'm pretty, like, sexually free. Like, I will do whatever. I don't really give a. I used to be really into BDSM with my first boyfriend.

[B]

Well, that's fine.

[A]

Maybe this is Post.

[B]

I'm just trying to. Well, I'm just trying to figure out what the. You're doing.

[A]

Okay.

[B]

Okay. Well, I do have to ask a couple safety questions just for the sake of caring. Do they go raw? No, never.

[A]

If they want to, then an STD test is required.

[B]

Are you getting tested?

[A]

I'm getting tested all the time.

[B]

Quite frequently, yes. Have you ever gotten something? No, I haven't tried hard enough. Okay.

[A]

Okay, well. Okay, can I say this? Is this bad? The reason that I let them fuck me raw is because I have a cum king.

[B]

Because this is actually a serious thing. You're. You're. You're paying for. Okay, good, good. You're paying for. What do your restauranteers think of this?

[A]

Half the restaurant industry does the same thing.

[B]

They're literally all just blasting nut up the ass for money.

[A]

Like. Well, I at least, like three of my server friends have all been. There's what, like six girls I work there and at least three of them I know have done sugar babying before.

[B]

It's a little different.

[A]

No, no, no, it's not.

[B]

Okay, but you're doing a thousand. No, no, no, no. Okay, yes, I get it. Those last relationship. Yes. I think that was more sugar baby ish. But to be clear, normally this is.

[A]

How sugar baby works in L. A.

[B]

You do $1,000 to.

[A]

Okay, okay, wait, do. I just wanted to be crystal clear into sugar babying.

[B]

Not really, but if it's short. Okay.

[A]

My neighbor was a full time sugar baby, so she charged 1,200 per meat.

[B]

Guys, if you're desperate. La.

[A]

Yeah, no la.

[B]

Or you can find women to pay for sex.

[A]

I've also heard that New York has really good sugar daddies. If you're a sugar baby looking.

[B]

Okay, well, how are we gonna do this? Cause I can see you surviving on LA with the 10,000 net you were making. 9,000 net you were making.

[A]

Yeah, but like that's.

[B]

How do we do that on 3900? I mean. Okay, well how did you get 5000 last month from him? Then what was like.

[A]

Well, he gave me $4,000 because I had a surgery for my cat. My cat had a bladder stone. So.

[B]

So. Okay, well, so that covered something specific. And it wasn't like 4,000 or two.

[A]

I put like a thousand of that towards debt. And then I kind of.

[B]

Surgery was three. You asked for four.

[A]

No, no, no, no, no. The surgery was two and he gave me four. He just sent me four. He just said, I'll just give you four. And I was like, okay.

[B]

Okay.

[A]

Okay, well, that was like a good month. The reason why you think that, like, you're like, oh, you know, you're not sugar babying is because you've had all of these, like, fake ass sugar babies on here. That.

[B]

What does that even mean?

[A]

All? Okay, you have so many videos where it's like, oh, sugar baby, like does this or whatever. And then you watch the video and it's a girl that got paid like 200 bucks by one guy. Like, that's not.

[B]

But. Well, that's maybe an. That's probably Missouri sugar baby.

[A]

Yeah, well, this is. This. There is systems. So my coworker, the hot one, she is old, she pays.

[B]

She AI is incredible. It can teach you how to fry an egg and even write a poem pirate style, but it knows nothing about your work. Slackbot is different. It doesn't just know the facts. It knows your schedule. It can turn a brainstorm into a brief. And it doesn't need to be taught because Slackbot isn't just another AI It's AI that knows your work as well as you do. Visit slack.com meetslackbot to learn more.

[A]

Her rate is $1,000. And then her day rate if they take her on a trip is $2,500. So she went to San Diego, she.

[B]

For a thousand dollars?

[A]

Yeah. Would you pay for her?

[B]

No, I don't pay for sex.

[A]

Maybe you should start.

[B]

Why?

[A]

Because, you know, you complained about not having a girlfriend for a long time.

[B]

But I have a girl for quite a long time now. Okay. And gearing up for a year pretty soon, but how sweet. Uh huh. And I don't have to pay for it. Oh, you are just gonna bring me down rabbit holes like crazy.

[A]

Oh my God.

[B]

I am actively trying to keep this one on rails, ladies and gentlemen. I really am. Well, so you're actively recruiting?

[A]

Yes.

[B]

Okay, well, your socials are. You have a fake name. You picked a stripper name. I don't know why. Well, actually, now I do. And two, Two. Your socials and things are not linked below, so it doesn't even matter.

[A]

I don't want to recruit on here.

[B]

Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, why refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay. That is a game changer in a market where most lenders only see a number interest rates under 6% guaranteed. That's practically a unicorn in student lending. Plus they offer structured payment plans to lower your monthly bill and even a co signer release program so your mom and dad can step off the hook. Y Refi is known for their personal service. No faceless call centers. You get a dedicated rep who actually cares about your progress. They've got a 4.6 star rating on Google which tells you people genuinely like working with them. So if your private student loans are burying you, it is time to reach out. Why Refi wants to help you climb out of debt, not push you further into it. Check them [e-mail] hammer that is yrefy.com/hammer or call 889-733978 that is triple 897-33978. Break free from the high interest trap and get your finances under control once and for all. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime also it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. What are we talking about? What is going on? So you have a shit ton of debt obviously. And you just lost two sources of income. How do you survive now?

[A]

Right now? It's rough. It's rough. I.

[B]

How do you survive? What is happening?

[A]

Well, I didn't. Haven't paid rent this month. I'm going to pay rent with the. My sick leave money. But okay. I also.

[B]

Which you're ending. It's. It's ending. Then what?

[A]

Then I'll be on disability or I'll go back. Okay.

[B]

What will disability be?

[A]

900 bucks every week. I think it's a.

[B]

Well, you can't survive in LA. You can.

[A]

My rent. My rent is 1500. No, 1600.

[B]

1600 because you have a hot roommate. Right? But even still, that. That's half. Half is going to that paid rent this month.

[A]

My rent used to be 2,400.

[B]

Congratulations. It doesn't matter. Your disability only covers half your rent. And then you have that minimum payment.

[A]

Ex boyfriend is also still sending me 1500 until January. Why? Because he loves me.

[B]

Show me A picture of this man. Show me a picture of this man. I see how desperate this guy.

[A]

Okay, he's not desperate.

[B]

Tell me, do you f k him?

[A]

Yes, I him. Because I love him. I want to him.

[B]

Why is he ex then?

[A]

Because he broke up with me. Remember we went over this.

[B]

Oh, that act.

[A]

Yeah.

[B]

Of the 45 year old.

[A]

Yeah.

[B]

He rich? He must be.

[A]

Yeah, he. What does he do, beep this out? He is. He's the co creator of.

[B]

Oh my goodness. Okay, we beeped it. A very popular show.

[A]

No, no, don't.

[B]

A very popular animated show. He is a co creator of adult animated show.

[A]

He's like a. He's a.

[B]

He still sends you money?

[A]

Yeah.

[B]

Oh, you want to marry him?

[A]

I want.

[B]

You want the money?

[A]

I don't want the money from the.

[B]

Co creator of this very popular animated show. Okay. I don't recognize him, but he is elderly.

[A]

He's not elderly. What the. He's not elderly. He's a very handsome man. He's bald and he has a beautiful mustache.

[B]

Okay.

[A]

I love him.

[B]

You know, there's usually drama in text messages and stuff. And we'll do that in the post show. Yeah, there he is.

[A]

There is drama and we will do.

[B]

That in the post show.

[A]

Camera roll. I wouldn't do that.

[B]

Well, no, I swiped out. I swiped to see if there's more pictures of him, but there wasn't anything bad. Anyway, I would not.

[A]

I would avoid it.

[B]

Okay.

[A]

Okay.

[B]

And you want to have his babies?

[A]

Okay, Okay. I want to have his babies. I don't want. I don't want to marry him for his money. I want his babies because I love him.

[B]

How long are you guys together?

[A]

Like three months.

[B]

What does he think of you coming on the show?

[A]

He watches Financial Audit. I introduced him to Financial Audit.

[B]

The co creator of this very popular show that I like is a fan of Financial Audit.

[A]

Wait, I should have brought you some stuff.

[B]

Well, let me in his DMs because that is very cool.

[A]

I will.

[B]

That's a cool connection.

[A]

I will. I will.

[B]

And I'm sorry for making fun of your girlfriend's tits or belly or something.

[A]

I don't know. Yeah, that was mean.

[B]

Kind of. Not really. Okay, then you just redownloaded hinge now.

[A]

Yeah.

[B]

To get back on.

[A]

Yeah.

[B]

All right, let's see it. Let's see it.

[A]

Wait, aren't we doing that on the potion?

[B]

Nope. No, no, no. Let's see it. I want to see this shit.

[A]

Oh, God.

[B]

Ladies and gentlemen, here it is. Bleep out her name. Screen Recording. Oh yeah, you got like the old dudes on here. Do you go old?

[A]

I go. It's. It's set to infinity.

[B]

And of course 45 and 20 is quite an age gap, but I don't think any real human actually gives a. What consensual adults, we're not infantilizing people like on Reddit and Twitter and tick tock. But you are in la, the scary place of the world where they cancel you for anything, so. Well, I'm surprised this guy's not getting canceled already. I mean, for being a predator and a petting a 20 year old child.

[A]

I feel like that would be ridiculous.

[B]

You'd think so.

[A]

I know, like, but also like, yeah, I don't know.

[B]

Okay, so we got on here. There's her picture, the one where I.

[A]

Look like a grandma.

[B]

20 year old woman, bisexual, 5 5, doesn't have children, doesn't want children. But do you want his babies?

[A]

I just don't want people like on. I don't want like random old dudes.

[B]

Like, do you want my kids?

[A]

Like, no, I don't want your kids.

[B]

Liberal Buddhist chef, South Asian. I think we got that. Okay. There's the belly when it's flat.

[A]

I'm sitting.

[B]

I'm just with you. My first time I knew I was gay was Megan Fox and Transformers. Yeah, we all came.

[A]

Oh my God. So you know, my school counselor is her sister.

[B]

Good side is a piece of food. Why don't you cook for us? Oh, okay. What do you think your financial score is? 0 to 10, 0 being the worst, 10 being the best, like a 1. Okay. If you want your Hammer financial score, take the assessment for [e-mail] just takes a few minutes. See where you stand in the world of finances, where you're doing what you need to do to improve it and where you're already doing well. So take that@caleb hammer.com and if you don't want to be like a guest who ends up on this show, one, make sure you take STD tests. Three, download the dollar wise budgeting app. It is the budgeting app that fuels this show. All the guests that have been on the show and tens of thousands of subscribers out there, new features being added every single month. It's incredible. Dollarwise app. Take the free trial to see if you like it and then sign up for the annual version if you do because it saves you a lot of money. And when you only do for the next couple months, only then it's going away forever. I will personally sign my budget friendly Cookbook and mail it directly to you. All those links are in the description below. Okay, let's jump into this, shall we? Because what the was this even intro? Like I don't even know. And on disability you're not gon survive. What, you're just going to be on disability forever?

[A]

No, they. So I need to get medical clearance, but I can't do that till I get to a cardiologist and that takes.

[B]

So get to a cardiologist.

[A]

I'm on a wait list. It takes like three months.

[B]

In, in the, in the hospital system that you're doing, are you able to look outside of the hospital system but still in network?

[A]

No, because. Because my insurance is. It's like medical.

[B]

Well, and that's why it takes so long.

[A]

Yeah, but so I'm trying to basically Canada. I'm trying to get on my work insurance and go through Kaiser. I hope that that will help because they, they said that I can cancel my insurance, but I'm like. It's a very complicated, complicated thing.

[B]

Okay, well we got bank of America. So you have to be on disability for three months just to see a cardiologist so you can get. This is such a thing.

[A]

I know.

[B]

So to be clear, we give you government health insurance which is ineffective and takes you three months to see a specialist insurance. Okay, one second. So we subsidize you through there. Even if you pay a little bit more money, we subsidize you through there which takes you forever to go see someone. Okay, that part isn't in bad, but because that system is so flawed that we pay for, we then have to give you disability that entire time. Yeah, because that system is so. It's a circle of want to be on disability. No, I, I agree. I'm not even complaining about you doing it. You don't have a choice right now, cuz you're not getting clearance. You want to work. You want to suck dick for money. I get it.

[A]

I mean I can do that at least.

[B]

So I know what you're. That's why what you're ramping back up. Yeah, which is why like I'm honestly $1,000 to film. That seems a little overpriced. I just. Crazy.

[A]

It's crazy because like these guys, you.

[B]

Know, I don't pay to, but if I did. But I feel like I'd cap it at 250, but. 250, it's sex. Sex is easy.

[A]

Okay, okay, listen.

[B]

I know there's a bunch of incels out there that suck, but even, even, okay, even Before I was known. Right. I've never struggled to. Who struggles to. All you have to do is get out there.

[A]

I don't know why, but some people do.

[B]

No, no.

[A]

My. My best. One of my guy best friends. He's.

[B]

He's a pussy that.

[A]

He's also my co worker. He's also. Because he is an incel. Like, he like.

[B]

Well, there we go. That's his issue.

[A]

It's because he like gives off the vibes of like, I need to someone because no one's me.

[B]

Well, exactly. And that's the thing. You have to have a little bit of confidence. You play the apps and you need to actually go out there, get a couple of drinks in you even if needed, and just cold approach people.

[A]

Well, I don't have a problem. Like, that's. I don't have a problem.

[B]

But we're not talking about you dick. I'm talking about. I don't.

[A]

Anyways. What?

[B]

I want to be on camera for a second. Come on over. Mark.

[A]

Come here. Mark. Can I interview him? No. Okay. Sorry.

[B]

Here's my boy Mark. Just come in here. Here's my boy Mark. I am trying to get Mark to some.

[A]

Okay.

[B]

And we love Mark. He is my favorite. He's moving.

[A]

Can I know this? What's your body count?

[B]

Oh, one.

[A]

Okay.

[B]

And we're trying to get Mark to. Because Mark's a hero. But the thing is Mark just needs a little confidence. Mark just needs to play the game.

[A]

Right.

[B]

And Mark just needs to go out there. Brandon and I are gonna take him to 6th Street. Aren't we, Brandon? And we are gonna get Mark to. Or you can pay her $1,000, but I know you don't make enough for that because he's a contractor.

[A]

Mark, I think that you are a very handsome man. I don't think that either of you guys need to pay to Mark. I think that you need a haircut because it's kind of getting bullish, Mr. Mark. And maybe that's the issue.

[B]

But here's the thing, Mark. We're going to take them on the town. It is not hard to anyone that thinks it's hard to. Because of pussy. Yes, it is easy to.

[A]

So you obviously you haven't paid for sex because you're attractive. Like, but these.

[B]

No, not to everyone. To most people, I am like a legit 4 to 5 out of 10 because I'm fat and I got fat. Like, and that's fine. I'm okay with it. But I've never struggled to find people my type.

[A]

Okay, so These are guys that are like 20 years older than me. Like, obviously I'm going to ask them.

[B]

Dude, even though he was bald and old, that dude was not a bad looking dude. He could fucking slay some hole.

[A]

He's hot.

[B]

He.

[A]

But he like hasn't dated anyone in L. A. Since he moved there. And I'm like, why? You're high. And he's like, well, I thought it would just happen. And he's like, and you're not going to meet the love of your life.

[B]

And that's why people are failing.

[A]

Yeah.

[B]

Because I think it just happens. You actually have to put in a little bit of work.

[A]

I know.

[B]

I just don't understand why men are paying you. I really don't get it. It is not hard to.

[A]

Because they're 60.

[B]

I love you. Listen. And Mark's not even an incel. Because that dude was flapping, that one, you know, he was. He was plowing. And we love Mark for it. It is easy to just get out there. Just get out there. It's not hard. Don't pay for it. Stop it.

[A]

All sugar daddies have a sugar daddy king.

[B]

No, it is not. It is.

[A]

They literally, they're like, I want to spend money on you. I want to treat you like thousand dollars to. Yeah, they want to. Like, it's an honest. I mean, like for me it's fun. Like, like imagine you think that's a kink. A thousand hours to it is a kink. No.

[B]

Okay. She says yes. She's. She was in LA for a while. So like, I get it.

[A]

No, these sugar daddies, like, one of them was like, it's a kink. Yeah, well, no, no, no. They like, their. Their kink is like treating someone like princess treatment. Like, they're like, oh, like when I go to their house, a lot of them are like, you just lay in bed and don't lift a finger. Like, I'll come bring you everything. Like, I'll come massage your feet. And like, they like just want to do like one of these guys, he was like, I just want to like shower with you and like bathe you.

[B]

I was like, okay, I love a good bath. The Internet knows it. I love a good massage. The Internet knows that too. I don't pay for it.

[A]

You don't pay for a massage? Oh, well, I guess you're give. Oh yeah, I know, but that's what these guys like. They like to like. They like. One of the guys that I hooked up with, he was like super hooked up.

[B]

As in he paid for yeah, he.

[A]

He was, like, super into, like, fem. So he just wanted me to, like, crush his dick and stuff. Like. And he was like, I want you.

[B]

To crush a penis.

[A]

Like, he wants me to. Like. Like.

[B]

Did it not hurt?

[A]

Yeah, but he likes that.

[B]

No. Did it not permanently hurt?

[A]

No. I mean, he's, like, 65. Like, I don't think he barely feels anything down there.

[B]

Please tell me you're on birth control.

[A]

I am. I am. But also. What was I going to say? I was going to say that he. What? Also liked me to tell him, like, about the other guys. I was like. He was like. He's like, tell me, dude.

[B]

Okay, I'm. These rabbit holes. I apologize. This bank of America. You owe 2256.48, and with a 68 minimum payment. This is another reason Brandon would never. You look at you. You tell everyone about all the stories about the people you.

[A]

Yeah.

[B]

You're a cancellation risk. Do you have an NDA with this current guy?

[A]

No.

[B]

Really? He has not been in L. A long enough.

[A]

He's been there for 10 years.

[B]

He hasn't dated then. Listen, as a fan of the show and as a fan of the show, you make your NDA the. Out of her. What are we doing here, guy? She is a flight risk.

[A]

I'm not. I have signed NDAs before.

[B]

You are a flight risk, which I.

[A]

Told Lindsey I can't talk about. So I am. My NDA.

[B]

I appreciate, but you are like, a full Pearl harbor flight.

[A]

I know. I. I'm a little bit of a yapper.

[B]

Get it? Asian, okay?

[A]

Oh, okay. I'm not Japanese, so.

[B]

Huh. $2,256.48 with a $68 minimum payment. What is going on with this card? You're spending on a card that you can't pay off, that fees are accruing. Hey, hey, hey, hey. If you do not actually make your minimum pay. Well, if you make your minimum payments only and you don't purchase on it, which you have purchase on it, how long does this take to pay off? Lady, what's your stripper name?

[A]

Angel, I think 13 years.

[B]

10 years. 10 years. And no men. No man will desire you at that point in the sugar baby world. Well, right, because don't they go young?

[A]

My neighbor. That was sugar baby. She just said she was 27, but she was 34.

[B]

Okay, and what's your plan?

[A]

Well, so I want to work in kitchens for, like, the next 10 years.

[B]

Oh, your heart's disagreeing with that.

[A]

Yeah. Well, that's that sucks. But hopefully we'll figure it out and it won't be that big of a deal.

[B]

You don't have an of?

[A]

No.

[B]

Oh, thank.

[A]

No, no, no. My family would kill me.

[B]

No, you don't do online. You just do in person.

[A]

Yeah, exactly. So anyways, so I want to cook for like 10 years and then I want to become a high school culinary teacher, which makes about 120k at my. my old public school.

[B]

Does every public school have this?

[A]

Not every public school, but.

[B]

Okay, so this is not a high end demand job.

[A]

It's not a high end demand.

[B]

I don't know why it pays so much. How do you know how much that job makes?

[A]

So in California you can. There's a website called Transparent California and you can search up any public employees salary.

[B]

It doesn't outrage anyone enough to bring down taxes somehow. Okay, why are you purchasing on this card then if your plan is to not have it in 10 years?

[A]

Because I'm bad with spending.

[B]

No income will save you. No income will save you.

[A]

Yes, no income will save me. And also, this is before I lost my job, so. Or not lost my job, but took medical leave.

[B]

What's the fee? You've had fees like every transaction. Foreign transaction. What? What are you getting? Foreign?

[A]

I use that to pay for my wisdom teeth removal. I'm pretty sure in Vietnam.

[B]

In Vietnam.

[A]

I went to Vietnam.

[B]

Is that the homeland?

[A]

It is the homeland.

[B]

It's the last name like Nyongjin or whatever.

[A]

That's my sibling's last name.

[B]

See? Yeah, every time.

[A]

Yeah.

[B]

You probably have the other one out of like the two last names.

[A]

I do have the other one, but. Well, mine's more like Chinese. But anyways, so my mom lives in Vietnam. We, me and my siblings all went there for her birthday.

[B]

Your mother lives in the Vietnam? Yes, we love the Vietnam.

[A]

Yeah, it's beautiful.

[B]

We, you know, they came back for.

[A]

It anyways, I got my teeth pulled there because it was only $300 and in the States it was gonna be like $800.

[B]

Oh yeah, it's very different when it's done in a tunnel versus it was.

[A]

A building, a very nice dentist office.

[B]

I'm kidding. I'm making fun of them. We love the Vietnam. Could have been the 51st state, but we love them either way. Day and night, liquor. So getting up so you have to so you can suck the old dick.

[A]

That's not true of.

[B]

What's the oldest you've gone for 70. That's up there.

[A]

It is up there.

[B]

That's up there.

[A]

It is up.

[B]

I'm not much of an age gap care and I still really don't care, but that's up.

[A]

There it is up there. It is up there.

[B]

Can I see?

[A]

I don't have a picture of him.

[B]

You know him?

[A]

I know him.

[B]

You can't look him up.

[A]

No, like, I don't. He didn't even give me his real name for a long time.

[B]

Was he able to walk? Yeah, he was able to get up.

[A]

He's pretty in shape because he sails a lot.

[B]

Did he just lay there?

[A]

No, he was like, pretty active.

[B]

Oh, I want to be that.

[A]

Actually, I would get tired before. No, he was like a lawyer. Yeah. I would get tired before him and then he would just jerk off next to me. Well, you know what?

[B]

Okay. And then you went and got some bullshit.

[A]

Can I tell you about day and.

[B]

Night porn at Dickies? Usually they pay you for the Dickies, am I right? TikTok shop, day and night liquor again. Plugging it up just to survive is.

[A]

The convenience store that's right next to my apartment. And I spent way too much money there.

[B]

Yeah, to get through all the old pee.

[A]

I don't drink. I just smoke a lot of weed.

[B]

Oh, that's why you get tired when you're bouncing on that dick. D h a Koha Lan.

[A]

Ah, that's the wisdom teeth, I'm pretty sure.

[B]

Oh, yeah, I was going to say. That doesn't. That's definitely a communist type of language. And then. Sweet. Pop Mop K Pop Mart.

[A]

I brought popmart for you to look at. Great.

[B]

Yippee.

[A]

I do have a popmart small enough.

[B]

To fit in there. Huh?

[A]

I have a popmart addiction. I like Skull Panda. Aren't these so cute, Caleb?

[B]

Did I break it?

[A]

No, it comes off. But like, why did you grab it from there? That's like grabbing a man by the dick. Like, what the.

[B]

I don't know. You do that all the time. It seems. Like, what the am I looking at?

[A]

What does this even look so cute?

[B]

How much is one of those?

[A]

$25.

[B]

Oh, you need to die. You need to die.

[A]

How much did I spend on palmar in the la?

[B]

You from la?

[A]

Yeah. Well, no, I. I grew up in France for like five years and then I moved to la.

[B]

You moved to LA so you can get paid for dick?

[A]

No, I moved to LA in first grade.

[B]

Oh, okay.

[A]

My mom wanted me.

[C]

Here's a quick podcast for all you true crime fans. The Case of the Missing Reese's.

[B]

It was me at the store with my Mouth motive.

[C]

Um, they're Reeses.

[B]

What was I gonna do?

[C]

Stop myself? Tune in next time to see if I do it again.

[A]

Spoiler.

[C]

I will.

[A]

Wow.

[C]

That had everything.

[B]

Reese's Suspense.

[C]

Reeses.

[A]

To go to those.

[B]

You have a lot of foreign transaction fees. Constantly. 43 bucks. This year.

[A]

I went to Vietnam. That was. That was.

[B]

No, no, no. In the Vietnam. It was only $10 and. But you've had 43 this year. Maybe it's Pop Mart. I don't know if that's.

[A]

I bought like multiple things in Vietnam.

[B]

What are you going inside the market and getting for, like 10 bucks?

[A]

What market?

[B]

Like Main Street Market. You're just getting like, oh, Main Street Market.

[A]

Yeah, it's energy drinks.

[B]

Okay, that's moronic in every way whatsoever. Here. You don't make money. You're about to go on disability. Take some of these gamers. They're goony and you're goony and I. We love that you're goony. Honestly, I don't. I don't even. Honestly, I don't even care that you're. I really don't. I. I'm okay with it being legalized as long as it's safe and it's smart because cons. An adult should be able to do whatever consultant I try to do. Yes, of course.

[A]

Can I make it?

[B]

So here you go. Gamer subs it is. I've been saying 25 cents. Someone called me out and I think it's like 40 cents a server. It's still so cheap.

[A]

I asked Lindsay and she said it was really 25 cents. Liar.

[B]

But that's my mistake. I don't remember. But either way, there's a discount. 40% per saving gamer subs.gg link in the description below. Get your free samples by typing in code. Caleb. Oh, well, it's very strong in the powder form. You dumped it.

[A]

Okay, I got that. Wait, is this strawberry? This isn't strawberry, right? No, it is strawberry. I'm allergic. I'm allergic to that.

[B]

Either way, make your coffee at home. Make your energy drinks at home. It tastes just as good. It tastes. It is just as it smells like. It's very good.

[C]

You came for the finances. But what if you could have more? Welcome to Hammer Elite, YouTube's number one membership. Get even more exclusive members.

[B]

Audits your time. 100. Yeah, but juicy post shows you were doing this behind his back. One of them. I've actually never seen this photo.

[C]

Spicy. Audit breakdown.

[B]

We still don't film with people like that. Like, he is a next level Audit updates.

[A]

I'm seeing a therapist now. Romantically or both.

[C]

Behind the scenes moments and budget buddy surprises. And for this month only, you can get all of this for free. Join with the link in the PIN comment or description below. Submit proof of purchase@hammer elite.com and we will reimburse you for your first month with a $10 digital gift card that can be spent anywhere in most countries. You have no idea what you're in for.

[B]

Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subscribe.

[A]

The cherry flavor is insane.

[B]

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.

[A]

Caleb, this is lemonade. I'm gonna try this one. Sorry, I'm allergic to strawberry flavoring.

[B]

Okay, you just literally snorted it in, so you're probably about to die. And I'll also get you hooked up with. With the fizz card as well. To have a card that builds credit.

[A]

Because obviously I can be a credit card person.

[B]

Well, no, if I just try really hard. I mean, you could try really hard, but you're not. You're objectively not. So why would I think you can. I mean, I would have put it in there so you could use the shaker.

[A]

I put the strawberry.

[B]

I know you're professional at this, so.

[A]

I put the strawberry in here. I can't drink it anymore.

[B]

I would have dumped it out, but now how are you gonna stir that?

[A]

How am I gonna dump it out?

[B]

How are you gonna stir that?

[A]

I'm sure I have something. She carries her on straws in my collection bag. No, I don't have anything.

[B]

Okay. Girl, you're a mess.

[A]

Oh, wait, I have. I have a stir.

[B]

I have a stir. So you tell me, you think you might be able to be a credit card person yet? The next credit card I have right here is literally credit one, which is the worst of the worst of the worst of the worst. It is indicative of you being the worst. Okay.

[A]

This is good.

[B]

It is very good.

[A]

It's like a. I would rate that like an eight out of ten.

[B]

Yeah, no, they're. They're legitimately delicious. I don't know if it's the caffeine version or hydration version, but I think that is the energy drink version. It's just like a normal energy drink, but on here, you owe $447.03 with a minimum payment of 60 bucks.

[A]

Yeah.

[B]

What are you doing? You want to say you're a credit card person. You. You spent $454 on here this last month. You put a payment towards the other balance, and then you immediately spent on here.

[A]

You're just.

[B]

You're just like, do paint on a little and obliterating it constantly.

[A]

I paid it completely off before I went to Vietnam. And then when I was there, I just bought my mom a bunch of.

[B]

Basically, can she not buy?

[A]

No, we like that she moved.

[B]

By the way, there was the tick tock purchases on the last one. Pull up your tick tock shop for me. Okay. Let's see what's going on.

[A]

It's cleaning products. I like to clean. I don't even have, like, TikTok on my homepage because I don't use it. I only installed it to buy things.

[B]

Does it matter? Doesn't everyone just open apps by swiping down and just opening the app?

[A]

No. My phone is color coordinated.

[B]

Are you looking at me for a compliment?

[A]

I'm just letting you know. How do I go to my old purchases? I mean, you'll figure it out. Whatever. You know how to do this.

[B]

What does he like about you? Because again, I love his show. It's a very good show. Many people in the office look forward to every season that comes out.

[A]

Okay. I mean, amazing. I.

[B]

You got things in. You got a big stainless steel cat litter thing, and then a litter box deodorizer. This is all in cart. But how do I tick tock shop? I don't.

[A]

Wait, let me try.

[B]

How do I see the past?

[A]

I'm gonna try and figure it out for you.

[B]

I don't. Quiet now. All right, here's the orders. Oh, I forgot to start a screen recording. Okay. We haven't done anything yet, so a vacuum, I guess. Sugar daddy.

[A]

It's a steam mop, and I love it.

[B]

Okay. And lots of cat litter. Cat steps. Another cat thing.

[A]

Those are all returned.

[B]

Big buckets for the cat to be put in.

[A]

I just wanted.

[B]

Okay, one was returned. For what it's worth. One was returned and then you bought them again. Check out the Amazon.

[A]

The cat stuff was all returned.

[B]

No, it wasn't. Well, it's literally not. It's on there, and it's on screen.

[A]

I need to figure it out then, because I think it's long distance gifts for girlfriend. Oh, the like the hundred reasons why I love you. I bought that before he broke up with me and I was gonna do resin kit.

[B]

Lots of phone cases, many canceled. And then eventually you chose which one, because. Flower crowns for woman. White lace sheer long. Bullshit.

[A]

That was for holy woman.

[B]

Sexy body dress. That was for Halloween dress. I guess more cat things. A foldable bath mat. These aren't horrendous. You're just purchasing a shit ton of stuff. Which is what's crazy because again, that filter's not horrible. Have a replacement. That's not horrible, but it's just you're endlessly purchasing.

[A]

Also, I bought the phone cases because since I've been unemployed, I've been bored. So I got back.

[B]

Yeah, but that means you can't spend money. This is when you start stocking up for the big storm. Dude, hurricanes inbound. You need to board up the big balls.

[A]

Yeah, okay.

[B]

Okay. And then your subscriptions, you got dollar wise, which, I mean, that is good. You'll get it for free forever now. So we'll reimburse that. But even though it is a subscription, again, that's one of those subscriptions that, like, you pay for it and then you get thousands back because you actually budget. So that makes sense. And I'm also okay with iCloud plus Mr. Number Lookup.

[A]

So that is for sugar babying. So you put in a number through there, and then other sugar babies will leave reviews for people. And so then you can, like, determine if they're crazy or not.

[B]

You ever had a bad experience?

[A]

Not me, no. But I've been really lucky, though. I've had a lot of friends. I've been like, drugged and stuff, which is.

[B]

Well, you also don't really seem to have limits, so. Well, a lot of my dudes hand.

[A]

A lot of my friends don't have limits either. They just like, you know, you end up with the wrong people.

[B]

Well, yeah, I mean, obviously drug, but I mean, like, yeah, if you like what most people want to do, it sounds like you do. So. Okay. Oh, wait.

[A]

But I wanted to show you this. I buy cases to paint them. Look at this one that I did.

[B]

Oh, interesting. An animated show figure.

[A]

But anyways, so it's interesting. I want to make you one. I want to make you one for your phone.

[B]

I don't wear cases.

[A]

Well, that's stupid.

[B]

No.

[A]

What if your phone breaks?

[B]

Okay, I use my Apple Care.

[A]

Okay, Right, Whatever. Fine.

[B]

I'm Also successful. Yeah, kind of like your ex. Yeah, except I don't pay to. Well, you didn't either. You didn't either. I like you and your show. I'm not saying you paid.

[A]

No, he's amazing. We're not talking.

[B]

She was doing that before. No, there's nothing bad to say about him.

[A]

I know. I mean, look at all that he's done for me.

[B]

Like, if you want to invite me to come tour, the thing that you guys do.

[A]

Okay, I'll. I'll talk to him for you if you want.

[B]

I'll talk to him. I think he likes me more than you. Okay. Oh, he dumped your ass. He's giving you money and he won't even for it. You had a late fee.

[A]

Why are you late on credit one?

[B]

Yes. Dude, you're literally glugging and sucking down. Coming, yet you can't pay.

[A]

I didn't realize.

[B]

Money's coming in left and right, and you can't pay a 30 payment on time. What is wrong with you?

[A]

I think that was like. That was like six months ago. That was before.

[B]

No, this isn't. This was last. Oh, this was last was October, you dumb.

[A]

Yeah, I don't know. I have no idea.

[B]

Then what are you trying to say? Six months ago, you. This just happened. What is wrong with you? How do you not know anything? That's going. I mean, you literally have.

[A]

I made a.

[B]

You literally have the budgeting app. What is wrong with you?

[A]

I. I just got the budgeting app, though.

[B]

Okay, well, just like anything else with any other education or anything you do, it only works if you actually put in the time.

[A]

I used it. I've used it.

[B]

How are you late, then? And how did you not know you're late?

[A]

That was before I got the budgeting app.

[B]

What is wrong?

[A]

And. And, yeah, I don't know why I. Yeah, that's. That's my b. Like, I shouldn't be late. I am.

[B]

Shouldn't be. How do you even not know, though? Do you. Why don't. Do you not look at your finances?

[A]

I do. I check them.

[B]

But then it would be impossible that you do not know. Would it not be?

[A]

Yeah, I think. I don't know. I don't know what happened. I was in the middle.

[B]

Are you gonna blow it all the way up?

[A]

No, I upped it so that I would have less credit card use.

[B]

No, because you push it up to the limit constantly.

[A]

I know, but I need to stop doing that. I can't do that anymore. It's like. But it's okay. In my mind, the way that I thought about it, when I opened these cards, I was like, well, I'm only 18. Like, what's the worst that's gonna happen? Like, people have a bunch of student loan debt, and then. But then, like.

[B]

So you didn't go to college? No. Culinary school?

[A]

No, I did. So I was.

[B]

What can you even cook? That's good.

[A]

What are you talking about? Like, I literally.

[B]

What's the best dish you can make?

[A]

The best thing?

[B]

I don't know.

[A]

I mean, that's, like, such a question. Like, I.

[B]

If you were to cook a signature dish, what would you cook?

[A]

I would cook. I would cook chicken teriyaki burritos. That's my favorite thing to make. But that is not like I'm a.

[B]

Do you cook for yourself every meal?

[A]

Nope.

[B]

What is wrong with you? See? And then you're late. You never cook.

[A]

I never cook.

[B]

What is wrong with you?

[A]

I cook for 10 hours a day. I don't want to go home and cook more.

[B]

Doesn't matter what you want. You don't have money and you don't cook 10 hours a day. You're on medical leave.

[A]

You.

[B]

How long have you been on medical leave?

[A]

Two weeks.

[B]

You. Why aren't you cooking?

[A]

Well, because. Gave me his credit card on doordash bleep.

[B]

The name. Is that the guy?

[A]

That's my ex. Yeah.

[B]

He gave you. Why would he do this?

[A]

Cause I don't know. I don't have the answers to these questions.

[B]

Why is he enabling you? Why?

[A]

Well, I think. I think.

[B]

When did you get hinge?

[A]

I got it again, like, three days ago. Four days ago.

[B]

Okay, open it again.

[A]

Do you like my dog? You like dogs?

[B]

Can you order lunch for the office? Yes. Your dog's very cute.

[A]

No, I can't because I think. I haven't checked if he removed his card, but I don't want to.

[B]

Let's check it. Okay, First, I want to see hinge. And then second, I want to see if he's removed the doordash.

[A]

I haven't used it.

[B]

Hey, you got a good amount of likes.

[A]

And then he.

[B]

Okay, we got five minutes. Let's see. Dude.

[A]

Also, he.

[B]

Oh, my gosh. Dude's 50. He looks terrifying wild.

[A]

Yeah, he's scariest.

[B]

Does. But maybe he's. What does he do? Apparently nothing.

[A]

Well, they don't really like to put their full job title on there usually. Oh, my gosh.

[B]

This one's 60. He works.

[A]

He said he wanted to spoil me, so.

[B]

Well, yeah, look.

[A]

Also scary.

[B]

Really?

[A]

Why I don't know, like his smile, it's like Cheshire Cat.

[B]

Um, let's arrange a meetup this week. So you're about to. He's about to pay a thousand to most likely.

[A]

Yeah.

[B]

And you're okay with that wrinkly 60 year old dick?

[A]

The Dicks.

[B]

Are you usually normal? Are you into it?

[A]

I am.

[B]

Are you into it or are you just into the money?

[A]

I'm into for this one. For this one. Just the money. But I am. I do like getting paid to.

[B]

Okay, see, this is. This is what it's like. What? Tell me.

[A]

Oh, because it's like, it's like, oh, like someone would pay you like that much money to like. I like for them to like print the money out in dollar bills and like throw it on me. That's fun.

[B]

Okay, so he. Your prompt is the way to win me over is food. And he said, how about a lovely brunch? Her immediate response is at the beginning. Hi, do you want to spoil me? He says, yes, spoil like milk. You said, that's what I like to hear. And then he said where he lives. Okay. You said where you live. We should meet up. Talked about it was raining because it rained in LA and it was very scary. Okay. He said, looking for someone fun, likes to be taken care of and chill together. You said, that's what I'm looking for too. I want a provider, something that'll take care of me. I'm a homebody, so I love cuddling. I E. Cuddling your asshole onto a penis.

[A]

What's up with the asshole thing?

[B]

What?

[A]

Like I have a vagina.

[B]

You have a vagina. But you said you let them do anything, so I assume.

[A]

No, no, no, no. Anal's not. I don't do anything.

[B]

Oh, then she doesn't do anything.

[A]

Yeah, that's.

[B]

What is she talking about?

[A]

That's the only.

[B]

It's the classic girl that says I'm into anything and then it's like the one thing that's above like normal just doesn't do it.

[A]

No, anal's the only thing I don't do. Like I will literally get tied to a bed and like be in.

[B]

It's normal these days.

[A]

Yeah, but like, okay, so like I've. I mean, like, there's a lot of sex parties in LA too. They do crazy out there. And do you go, I've been to one. I. My friend's dad. So hot Sugar baby. She. My. She started. My old best friend's dad who runs a S club in la. Yeah, that was. And she Was like, I met this guy.

[B]

Oh, you go there and just get railed.

[A]

No, you don't have to have sex if you go.

[B]

Did you?

[A]

No.

[B]

Why?

[A]

Because I would. I just wanted to see what was up.

[B]

Was it fun?

[A]

Yeah, it was fun. They had like a party. Yeah, it was kind of like a diddy party. But they're very like, they have like security guards there. They're like, you need to consent. Like you know, this is not whatever the. And and then you know, they had like a show that was like a married. Like it was like a marriage. And then the girl just gets liked by like five guys. It was insane.

[B]

And then you asked the scary guy, do you want to spoil me? And he said, yes, do you want to spoil me? And you said of course. He sent a lot of messages and you kinda ghosted.

[A]

Oh yeah, because that's when I started dating.

[B]

Okay. This guy matched with you. He said, you're pretty and you said, do you want to spoil me? And he says, does it actually work? And then you said, yeah, some guys know how much a money is worth.

[A]

Or how much a woman.

[B]

And he said, well, good luck with that. Which is fair because yeah, there's a.

[A]

Lot of guys that don't want to pay you, but there's a lot of guys.

[B]

Oh my gosh. Holds this guy 67. Okay, let's see. Does real estate in LA. Hi, do you want to spoil me? Is your opening message. He says yes, it's pretty much nice to talk about where in la. I like cash and good faith. Hahaha. Good food. I meant I'm a simple man. Okay. I have a little bit of both. That's perfect. We should meet up. Leave the phone number. There's your phone number. Okay, and here's the last one. Looks like a filmmaker of some kind. He's a director. Oh, you didn't open with. You opened with talking about film.

[A]

Because some of the like the nerdiers.

[B]

Trying to get clout.

[A]

Some of the nerdier guys, they don't like sugar babies. So I would rather like get them.

[B]

How do you want to spoil me? That guy didn't respond. Why don't you just, just find a good man? How do you want to spoil me? That guy didn't respond. How do you want to spoil me? That guy didn't respond.

[A]

I just don't, I don't have like.

[B]

I, I don't know, I like to watch. This makes no sense that she can do full production on Hinge and literally. And I'm glad we won it back. But like, I went on this date with a crazy that hadn't been on a date for five years. And she also opened up messages like. Or she opened up our conversation person with the yeah, I haven't been on date in years because I don't trust men. That should have been a red flag. And we went back to my place, tried to hook up. She didn't want to, and I was like, okay, please leave. So I called her an Uber because, like, that was pretty much it. There was no interest there outside of just a hookup. And that's fine. Central does do whatever consensual adults want to do. Then she left. And then because I wanted to hook up and not actually go on like a date, she freaked the out. Got me banned on Hinge and stuff. Obnoxious. I know. And yet you're a prost down there now. Luckily I got it back because I was like, look at this crazy bitch. She's going crazy on Reddit in a bunch of crazy places because she's an actual insane freak that over sensationalizes things and tries to destroy people's lives. Exactly, exactly. And that's the only reason she decided to do it, my lawyer told me, because no one else would actually do what she did. She's crazy.

[A]

No. Yeah.

[B]

So, like, hey, would you like to have sex? No. Okay, then we should go our separate ways. Canceled. Like, what the are we doing? People are insane. And then you do online prostitutes and you're just allowed to be on there. No wonder the stocks for Match Group, who owns Hinge and Bumble, are literally at the bottom of a cliff. Well, who would have thought? And Grinders going to the moon.

[A]

I just want to clarify that I give give these people my number because that way I get their number and I can look them up on Mr. Number and then I can block them. So that's why I get like, I immediately give them my number.

[B]

I don't think we're talking about your safety. I think we're talking about how insane those apps are.

[A]

Oh, yeah. I mean, and, well, I mean, Seeking Arrangements is literally like just full blown for escorts.

[B]

Like. Yeah, I mean, I'm. I'm not defending them. I don't know. And again, I don't really care what adults do. Oh, okay. Let's double the love. What is this? Ulta? What's going on here? You got to try to cover up all that so that you get money for.

[A]

I opened an Ulta card to buy Eyeshadow. And then I was like, that's the only thing I'm going to buy. So then I didn't. I didn't buy anything. And then my mom came to visit and I bought her some makeup because they don't exist in Vietnam. And then. But I have not used that card since like. And I've been doing my payments.

[B]

Okay, well, you owe $137 an you're making your minimums. 37. Well, there's. What, what is this? Fees and interest. 37 is your minimum monthly shit ton of fees this year Was that Are the fees for account assure you're paying for like some account protection.

[A]

How much is the fees?

[B]

Well, it's stacking up to 40 bucks this year so far. But it is still money being taken away when you don't even have a job right now.

[A]

I know I should just pay that one off.

[B]

Yes, just pay it off. No shit.

[A]

I just.

[B]

I don't understand why you don't.

[A]

I literally just.

[B]

You just opened this a few months ago. Well, why haven't you? Because that's indicative of what the conversation. What your life looks like after this conversation. Because you didn't walk it into here. Sure. You can come sit here and say I'll just pay it off right now. Why didn't you? Because that's all that matters. That is what's going to impact what's done after this.

[A]

I don't know why I didn't. It just wasn't like important to me because it's only $100. But then it's like, yeah, the fees go up and like they just don't stop going.

[B]

Okay, quicksilver, what's going on?

[A]

It's just another spending. Just more spending. Basically.

[B]

$483.74. The minimum payment of $25. Yeah. Transactions you're purchasing. Well, interest is accruing. Why. Why are we putting money on cards that are just accruing interest like crazy then you can't purchase it. Would that not be the natural conclusion? If the budget. If dollar wise says you do not have, why are you spending? I don't know. You haven't paid rent this month, lady. You haven't paid rent. You're literally glugging it down 90 year old dick so that you can make money and yet you're not even paying rent. What's even the point at that point.

[A]

Well, I haven't this month. That's the thing. I haven't since. So that's been spent like four months.

[B]

Stop saying his name.

[A]

We have to keep. Sorry, sorry, sorry.

[B]

I hate Joy.

[A]

Can we Give him a fake name.

[B]

Yeah, since X. Since the X.

[A]

Okay. Since X, dude. Okay. Since my ex. I was out of the business for like four months.

[B]

The business of front.

[A]

Yeah.

[B]

Okay.

[A]

When he broke up with me, he, you know.

[B]

And what are you purchasing? What are your absolute necessity purchasings that.

[A]

You have to do or else there's, there's a bad.

[B]

The world will die. Yeah, but you said I don't have money in my checking account, so obviously you have to purchase this. These are needs. You'll die without them.

[A]

It's a knife. I bought a knife.

[B]

Why?

[A]

Because I'm a cook.

[B]

Pet camera, Spotify and then there's the knife.

[A]

Okay, so the Spotify I did move to my checking account and my furbo. I also moved the subscription to my checking account.

[B]

Well that's a good start. But herbo do you, do we need this for a cat?

[A]

For my two dogs and my two cats.

[B]

What? This is a camera, right?

[A]

Yeah, it's a camera but I use it also like as like a ring basically. So like if someone comes into our house, I have it on video and it records like which is coming into your house? Well, my roommate invites a lot of people over.

[B]

Well, that's your roommate.

[A]

I mean she dates like crazy people. No, no, no, we don't invite sugar daddies over. But she, she was just, just broke up like two days before I came here with a guy who was a drug lord.

[B]

Good news Brandon.

[A]

A drug lord felon.

[B]

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[A]

Who literally he was caught with?

[B]

Does he want to share the wealth?

[A]

Well, he got caught, so he doesn't have any wealth. So then, so then my roommate was like sugar mama ing him and then I in turn was having a sugar mama her because she makes like no money. But yeah. And so then.

[B]

Yeah. Does she ever not pay her rent? What's gonna happen when you don't pay a rent and then she's on the hook? Well.

[A]

Well, she hasn't paid her rent either. We didn't pay rent for a while.

[B]

She doesn't pay rent either.

[A]

Yeah, she hasn't yet. No, not for how long. So we, we moved in in August. I paid first month and then we paid one month after that. But they wouldn't give us our garage fob. And then someone's car got broken into right outside my apartment.

[B]

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[A]

No, I told them. I was like, I'm not paying until you guys get me my amenities. And they were like, okay. And then. And then. But the only we only. So the rent in total is 3,200, but we only owe 2,500 because it was only like a prorated month that we missed. And we are also.

[B]

When you guys are on the street with the other lovely people in la.

[A]

Yeah.

[B]

Because there's a lot of them. Then what? You can't say it doesn't happen because that's what everyone has. You getting evicted, you dumb tits. You guys are paying your rent?

[A]

Yeah. No, I mean, definitely.

[B]

Like, wait, you were Sugar Mart. Have you. You and your roommate.

[A]

I just mean, like, you're bisexual. Well, I mean, we. We do threesomes for money, but she's beautiful.

[B]

Agreed.

[A]

Yeah. But anyways, so like, obviously evicting happens, but literally no one in my building has paid rent and there's also mold in, like, almost every apartment. So we're gonna get a mold check too.

[B]

Well, you should get a mold check, that's for sure. And maybe report it to local institutions. But yes, people get evicted. You know, there are homeless in la. That's kind of a thing.

[A]

Evicted. My mom got evicted. That's why she lives in.

[B]

There you go. So to assume it won't happen to you.

[A]

I'm not saying it's not going to happen.

[B]

And you're banking on the mold thing. I have a feeling. Which I don't want you to have mold, but if you do, then yes, leverage it.

[A]

But banking on the mold thing, I. So they also owe us $3,200 because we had a move in incentive and it was like, well, we'll give you this gift card. And then. And then the. They switched property management companies and the new property management company is like, whoa. That was for the old property management. And we were like, yeah, but if you acquire a building, you can't just put this on the resident. When this was in our lease agreement, like, you acquire.

[B]

I hope you don't get evicted. It's. I'm. I'm hoping. I. I don't know.

[A]

I. Yeah, I mean, I.

[B]

Okay. And here's the time. Right? This is it, right?

[A]

No, no, that's a different one.

[B]

You're from a different, different, different place. Why? What happened?

[A]

Can I just say first that I have a claim open with the LA housing department for my. For me? No, no, no. For the garage fob situation. And there is a claim open, so.

[B]

Garage fob.

[A]

Yeah, I know. It's so stupid. They literally didn't.

[B]

Okay, you have a claim open.

[A]

Yeah.

[B]

So we can't rely on that because it's just an open claim we don't know where it's going.

[A]

Yeah, I mean it's just that, that way like if we.

[B]

I highly doubt the LA government is very effective.

[A]

I mean if they spend a lot.

[B]

Of money, usually the more they spend, the more bureaucratic it gets.

[A]

Yeah, the, the thing is though that if you have a claim open with the LA Housing department and you go to small claims court, like it will pretty much like guarantee that you win against your property management.

[B]

They're very like, I can't agree or disagree. I don't know. But I do not trust you as a reliable source with that information.

[A]

You don't need to trust me now.

[B]

What the. Because you're past. Maybe they'll see that you're passed with another landlord and they'll say you. This is an ongoing thing you do.

[A]

So that is because I broke my lease. I was living in Hollywood. If anyone lives in Hollywood, it was behind the in and out on. In on Sunset. It's insane over there.

[B]

Why?

[A]

It's just like homeless people and crackheads.

[B]

Why are you guys dealing with it? Why do you stay there? What the is wrong with you?

[A]

I love la.

[B]

Oh yeah, that sounded great. Yeah, I love crackheads and homeless people.

[A]

Hollywood. I don't like living in or I never, I never liked living in Hollywood. But anyways, so basically there was a homeless man sleeping outside of my apartment.

[B]

When they did nothing.

[A]

And the homeless man or the, the city. No, they didn't do anything.

[B]

There was is wrong with. They're, they're, they're, they're just, they're like concluding civilization over there. They're just done.

[A]

There's like not even bars on the window or anything. It was like insane. It was so scary. Like.

[B]

Well, in normal places where we actually in floor slaws do not need bars on our windows. I'm just going to let you know you don't really see bars and windows in Austin because there's not that many people. There are homeless people downtown, but at least, at least the state.

[A]

But in downtown are there not bars on the windows?

[B]

Rarely. It's like a sketchy bar. Maybe.

[A]

Okay, okay. Well in LA it's pretty common because of the extreme.

[B]

Because they don't actually enforce laws or. And they just allow anarchy left and right because those are very effective policies that have been proven to work over and over again in every state that's ever tried that them.

[A]

But anyways, yeah, I'd stay there.

[B]

That sounds great.

[A]

Yeah, so I, I broke my lease also my mom was getting evicted so I moved Back in with her because we were trying to move.

[B]

So she was just in la.

[A]

This was a year ago. Look at it.

[B]

Your mom went to Vietnam a year ago. Moved back to Vietnam cuz she could. Why don't you guys just move to like an actual place with opportunities and like. Oh my gosh.

[A]

Well, I don't want to move out of la.

[B]

Lindsay Escape.

[A]

Yeah, that's on her. I don't know. I like la.

[B]

She loves the escape. Maybe she'll convince you that. Well, yeah, because you're just getting 90 year old dick for a thousand dollars a pop. It's kind of crazy. It's insane what they will pay for.

[A]

Yeah, but anyways, so I. We had to move my mom to Vietnam.

[B]

So last time you ever took a penis that wasn't paid for. Your ex is not counting this situation.

[A]

Oh, okay, my ex doesn't count then like I don't know, like four months ago, five months ago.

[B]

That's crazy.

[A]

My. I dated my ex for three months. How's that crazy?

[B]

Two months of only paid for Pee pee.

[A]

I don't really like to have sex very often.

[B]

What? That goes against everything you have set up. One, you said you're a crazy sexual person because. And two, you said you. I love to have sex with people is what you said earlier.

[A]

Yeah, I like the ideas, like I like the BDSM stuff, but I don't like to have sex very often is what I say. I don't know, I just don't get horny that often.

[B]

Oh, that's okay. I guess it's just like.

[A]

Okay, like. Like when I want it, I'm like, oh yeah, let's go crazy. Let's go have an orgy. But when I don't want, I'm like, I literally can do less.

[B]

You just stop paying.

[A]

I. No, I still pay on there. I mean I'm paying like 200amonth.

[B]

Is that your minimum?

[A]

So I owe. No, there's no, it's not like a plan. It's just I kind of do it. But they. So I owe like 1400 on there. And they offered me to pay 700 to.

[B]

So 701 time. Then why do 200amonth indefinitely to 1400?

[A]

It only just offered this to me like right before I came here.

[B]

So $1,403.45.

[A]

If I pay 700 then this will just.

[B]

700 or 750.

[A]

700.

[B]

Okay, 700. So we'll put that in the notes as we go for. Okay. You have a car, obviously car dependent. One of the most car dependent cities in the entire country, Los Angeles. Even though they have a pretty extensive light rail system, they just don't actually again enforce any laws or disallow antisocial behavior on them. So who the would take those?

[A]

Well also they're not in. They're like the metro system only runs from downtown straight into Santa Monica. Yes.

[B]

It makes no sense.

[A]

If you want to go.

[B]

They have an absolute shit system. And then they just allow anyone on.

[A]

Buses are like sometimes they just never show up to the bus stop.

[B]

Well that and anti social behavior. So why would you be on it anyway? $15,574.67. Okay, that's substantial. Especially for someone that doesn't really have an income. Now a minimum payment now 393. What's the interest rate on this? What is the car? I know it's Toyota something.

[A]

It's a Corolla. A 2021 Corolla. Lindsay and I tried to find the interest rate but I couldn't. But what we did find out was that I can't even see how much.

[B]

Went to interest to even calculate it myself.

[A]

Yeah, I don't know why this is like the only statement that they had but I mean it's a billing statement so obviously. But the I paid. So I did a seven thousand dollar down payment which my dad gave to me.

[B]

What do you think the car is worth?

[A]

I think when I bought it it was worth.

[B]

No you tit. That's all I'm asking. I don't give a about that.

[A]

I don't know. Probably like 50. Like 14.

[B]

Okay. It's worth 12,800. So not only did you put $7,000 down, you're still underwater. Yeah, by a couple thousand bucks at a minimum three.

[A]

So I wanted to get a beater car. I originally I had a 2008 Prius and I had that one for a long time. I put like $2,000 into fixing it and stuff. So it lasted me around two years but it was already. It was like at 250000 miles by the time that I traded it in for this car. The odometer wasn't working anymore. Like the screen. I couldn't see how fast I was going. Right.

[B]

Doesn't matter either way. What was the purchase price of this car?

[A]

It was 1500.

[B]

How much? No, you owe 15.

[A]

No, the purchase price like the sticker price was 50.

[B]

No, the entire amount at the end of the day.

[A]

Buy cars very often.

[B]

I'm sorry, how much did it cost lady to get This, I think the.

[A]

Total was like 25. After everything.

[B]

Crazy. How much were you making at that point?

[A]

The same amount.

[B]

And that's.

[A]

And I was living in an apartment that was 2, $400.

[B]

How do you get paid? Where does the money come in when.

[A]

You suck dick, Cash or sell.

[B]

Crazy. Okay, what is this? I don't even know what this is. What am I looking at? This is a balance.

[A]

Oh, that's for my student loans.

[B]

So you do have student loans?

[A]

I do, but what I. So my mom really wanted me to go to college.

[B]

Private student loans?

[A]

I don't think so.

[B]

Well, it doesn't look like what, a federal website?

[A]

Oh, it's typically. The website's called Cedar Business.

[B]

It's probably private.

[A]

Yeah.

[B]

Okay, well, I've never heard of that.

[A]

The student loans is because I started working my job like, the summer after high school. Like my first restaurant job. And I told my mom I was still going to go to college, so she like, enlisted me in orientation and also applied for this debt that I didn't know. And then it got sent straight into my account. And I had no idea because my dad also sent me money at the same time to, like, move into a new apartment. And so I had. I didn't know until later. I was like. I looked at my statement orientation.

[B]

That was it.

[A]

Yep. And then I dropped out.

[B]

So. Okay. And then your mom. So why. Why was she suppressed on this? I mean, she was getting evicted. Why. Why is she getting involved in doing all this? Because she signed you up for orientation, then she went back to Oriental.

[A]

She. She was like. Like, she just is like, oh, like, you need to go to college. You're super smart. Like, you have really good grades. Like, you should go. And then I was like, I don't want to. And then, like, it was. I was. I was like the most successful one like, in school out of everyone in my family.

[B]

Even though they sucks penis for money.

[A]

Yeah, I mean, so.

[B]

But just gonna let you know, she.

[A]

Doesn'T know that anyways, so. Yeah, so she, like, she was just like, oh, like, you know, you can achieve so much. Like. And then she really wanted me to go. And then she was like. She was so sad when I didn't go. She felt like a failure.

[B]

So you owe this.

[A]

Yeah, I owe this. It's. The balance left is 1,300.

[B]

Oh, so what's the minimum payment? So 13, 17 is what's left.

[A]

I think the monthly payments are 300.

[B]

Oh, my gosh, the interest rate must be insane. 300.

[A]

They don't have any interest rate on it.

[B]

Well, 300 would pay this off in a couple of payments.

[A]

Yeah, that's. So I called them and I was like, hey, can you guys, like, give me a deal? Like, if I pay like 800 or whatever, you can just clear it. And then they were like, no, but we'll set up a payment plan for, like, 300. And I was like, okay, but obviously.

[B]

That pays it off quicker.

[A]

I know, I know. And I was.

[B]

But now it's a required payment.

[A]

No, it's literally not. I haven't paid it. They've never charged interest on it.

[B]

I've paid all your debt.

[A]

Oh, I owe a thousand dollars to my sister. For what? She just gave me money.

[B]

I. I got why and when, though?

[A]

I got sick and I took time off work, so she helped me pay for.

[B]

You didn't have sick time. You know you did. You're on it now.

[A]

Yeah, at the time I didn't. I used it because it was like the previous work year.

[B]

Of course you pay for Crunchyroll.

[A]

Not anymore. Or my ex pays for it now. He gave me his Crunchyroll.

[B]

Okay, you spent $8,494 last month. Yeah, $3,000 was like, thousand dollars in your checking account. Just started with 100. Yeah, it's payroll. Payroll. Okay. Day and night liquor. There she goes again, just puffing it up. Kfc. Oh, something very Asian. I don't even know. Likely some kind of restaurant. Starbucks, Shanzhou, Blade.

[A]

Oh, San Joe. Blade is my knife. Oh, well, that's.

[B]

I thought that was on the other. That's you getting knives.

[A]

I bought. No, that was all from the same place. I bought them in Vietnam, but I bought some for my co workers too, and they paid me back for it. So those are like, void.

[B]

Okay. And another Payo Nanjun. Yeah, Juan.

[A]

I don't know what that means. Okay.

[B]

Ralph's.

[A]

Is this a hate crime?

[B]

I hope so. Ross stores day, night, liquor.

[A]

Wait, wait. Also, Ross is all, I only buy things for my pets from there.

[B]

Like, I buy Taco Bell and then more. Dude, you're puffing everything. Opitron. I know.

[A]

Oprah, Tom. Oh, that's like smoking opium. No, no, no. That was like a. An app where, like, they would just take money out of your account and then, like, have a savings account so.

[B]

Then you don't have money.

[A]

I know. So I just. I deleted it.

[B]

I'd rather I start the third Opium War instead of you just sending money away that you don't have.

[A]

No, but it. It's like, you can take it out after.

[B]

Yeah, which I'm sure you have to.

[A]

Yeah.

[B]

Darling Zelling. I don't know. You should be getting Zeldin for the sugar.

[A]

I did. There should be some selling in.

[B]

And this account's a thousand five. This is money. Out, out, out, dude. Puffing it up. Puffing it up. Tick tock shop. Tick tock shop. Puffing it up. You spend so much. How much do you spend puffing it up?

[A]

Wait, what's. What's the puffing it up?

[B]

Day and night Liquor. No, you only do weed.

[A]

Yeah, but I buy like those are like energy drinks and snacks, so it's worse.

[B]

Puffer energy. Puffer energy. Tick tock shop. Tick tock shop. Puffer energy. Ubiquitous. Puffer energy. Apple fountain, Valve Pet Smart. Puffing it up or energy Puffin or energy? Uber, Uber. Sell, sell, sell. Jameson Irish Pub. Jameson Irish Pub. Day and night. Puffing it up. Amazon City of Santa Monica. Amazon, Netflix, Starbucks Withdrawal. Withdrawal. Who knows where the that went? Zelino Money. Oh, here we go. Keeps going. Withdraw Apple bill, Apple Bowl. Withdraw. Withdrawal. Who knows what the winner Bard why young take withdraw? Who knows? Who knows?

[A]

Withdrawals. The withdrawal.

[B]

Jameson Irish Pub.

[A]

Jameson from Vietnam. That's what it was. I. I know for what I. I give 300 to my mom every month for living.

[B]

Yeah, but you were doing that every five seconds.

[A]

And then the rest of it was like other shopping experience.

[B]

Puffer energy. Puffer Energy. Waymo. I thought they stopped us in LA after they just burned them down constantly for no reason.

[A]

No.

[B]

Puffer Waymo or Puffer Energy. City Santa Monica City, Santa Monica Apple Target Sydney, Santa Monica. Apple, Santa Monica. What the are you doing? Just parking or something?

[A]

Yeah, it's the parking behind my work.

[B]

Behind your work? Puffin or energy drink? Not no bar. Okay, pretty good bar. Zelling and out. Sally Beauty. Puffin or energy drink. What a joke. International fees galore. My gosh. $65 in fact. Crazy.

[A]

Damn.

[B]

For point nine. Ching Huang Kwan 1 and Sanjo Blade.

[A]

More. Nice.

[B]

Well, blade sounds more Japanese.

[A]

Yes, he actually is from Japan.

[B]

I know my racism, ladies and gentlemen.

[A]

Good job.

[B]

If I'm going to be racist, it's going to be informed. Racist?

[A]

This doesn't look like the jungle Asian. This is definitely Japanese.

[B]

Are you being racist right now? Oh, that's not cool.

[A]

I'm the race. I am jungle Asian because I can.

[B]

Be racist in Austin and everyone will laugh. But you'll be white. Exactly. Which makes it even more fun. And then you'll be racist in LA and people will destroy your Career.

[A]

That's. I'm racist all the time. My co workers call me a walking HR violation. Which is true. I'm sure that you've established.

[B]

Yeah, you're probably taking dick in the freezer for money.

[A]

You've never at work, like, like physically at work.

[B]

No. Come on. Everyone in the food industry.

[A]

I've never at work.

[B]

No.

[A]

I really care.

[B]

In the parking lot.

[A]

In the parking lot. Yeah, of course.

[B]

There it is.

[A]

Who the cares what happens to the parking lot? Suck dick in the parking lot.

[B]

Really?

[A]

Dick in the parking lot at my high school.

[B]

Hopefully while in high school.

[A]

Yes, while in high school.

[B]

Well, that's good. Hopefully. Other high schoolers.

[A]

My ex boyfriend that was three years older than me, but he was still in high school.

[B]

Okay then.

[A]

Okay.

[B]

As long as he's not coming back from college and sucking.

[A]

Hey, let's go to our old high school and like that'd be crazy.

[B]

Yeah, that would be crazy. Okay, let's see if I can budget this. Minimum depayments bank of America 68 credit 1660 ulta 3725 for quicksilver the apartment. No minute payment. We're just going to try to pay that 700 out of the gate. 397 for our Toyota. Of course he didn't buy American. $300.

[A]

My dad wanted me to get a newer car.

[B]

I'm joking. I don't care. Toyota's look great.

[A]

Oh, okay. You're. You're not upset by my car purchase?

[B]

It was, it was too much. It was too much. Listen, if you ever decide to stop sucking dick for money and you actually want a real career.

[A]

Career.

[B]

I'll get you a course career certification.

[A]

In any kind of career.

[B]

I'll get you a course career certificate. Yeah, but one where, you know, if this passing out thing like. Yeah, I'll get you one. People in the audience have used it and they've amplified their income and got better jobs.

[A]

I like, if I can't cook, I'm literally gonna.

[B]

Well, you can cook for yourself. Eight debt minimum payments. 883. Your income. What do we put?

[A]

I think.

[B]

And I am not gonna put in prostitution income. I really can't because I can't support that.

[A]

4000.

[B]

What's it really gonna be?

[A]

Well like that would be what I'm making.

[B]

If you're putting in the grind. What are you. What, what's coming in?

[A]

Like, like I would say like 5,000 since I'm on a. I don't have my job right now.

[B]

Oh, 5,000 total?

[A]

Yeah.

[B]

So up from four. Okay, listen, I don't. What's your rent? Your portion?

[A]

16.

[B]

16 and utilities.

[A]

Our Internet bill. I pay 25amonth.

[B]

Soon.

[A]

Yeah, okay, it's $40 total and then I pay 33 for my water and energy. So good, so good, so good. New year New gear. Thousands of fresh active styles are at Nordstrom Rack stores now. Save on top brands like Nike, Puma and free people starting at just $35. How did I not know Rack has Adidas?

[B]

There's always something new. Plus join the Nordy club to shop.

[A]

New arrivals first unlock exclusive discounts and more. Great brands, great prices. That's why you wreck.

[B]

Okay, what's your phone bill?

[A]

I. My, my. I'm on my family's plan.

[B]

Of course. There's no reason for you to be struggling. Gas. Voom. Drive. Drive.

[A]

LA200.

[B]

It's not as bad as I thought.

[A]

Car insurance, $83. I'm on a a like a low.

[B]

Income insurance that's subsidized. We're subsidizing you.

[A]

It's.

[B]

Oh my gosh. I hate how they do things over there. They're so stupid. They're so stupid.

[A]

But it's only for.

[B]

I want to support people that are struggling. But you're like you're. It's your. Everything's your choices and we're just enabling it. It's so stupid. 300 for groceries? Let's call it 350. La Little.

[A]

Oh wait, I forgot to tell you. My ex bought me factor meals so I get six meals a week now.

[B]

Okay then I'm going to bring it down to 250. TP fund. Anything else you need to survive. This is birth control and that is you'll need it.

[A]

$100. Condoms for people anywhere in LA Hundred.

[B]

It's the TP fund. Anything else you need to survive.

[A]

Exactly. It needs to be way more than that.

[B]

No. Anything else outside of what we're budgeting. So I'm budgeting in the things. This is anything else you need to survive. It's kind of flexible. Medical healthcare. Do you have co pays on a monthly basis for things you need Feed?

[A]

Well my insurance right now is 283.

[B]

Oh, you have to pay that?

[A]

Okay.

[B]

Yeah. Okay.

[A]

So yeah, I'm on subscriptions.

[B]

I'll try. 30 bucks. Do you have pet insurance for these.

[A]

Dogs and yes, I would say it's about 250.

[B]

Yeah, it's chunky cat pet food.

[A]

I spend like two and literally 300. I would say.

[B]

Okay.

[A]

Oh, I'm currently You can't afford these. I'm currently expecting like a thousand dollars a month on my pet. That's like, that's what I budget for. Budget.

[B]

Better get sucking. Not really. You really shouldn't. I don't like you being prostitute. Really don't. I know it's not good. I want you to run out for money. Like I highly encourage.

[A]

Also sometimes you get, you get paid to have like really good sex and then it's like, well, whatever.

[B]

No, it's just, it's illegal and it's not great. Cause right now, I mean, yeah, if you make 4,000 hours a month not even taking anything else, what you need to survive, minimum is 4,037. So you're already like, you have to suck take to survive. And I don't like that. That's not a position anyone should be in. So I don't know what we're doing. And honestly, if you're on disability, it's going to be even less than this because what was it, like 3,000amonth or something?

[A]

Yeah.

[B]

So like you will be underwater by a thousand. I mean obviously any extra money that comes in. I would rather you go pick up a second job or something or figure out a new career path. Bringing 5,000amonth, being able to put a thousand towards the debt and paying off all debt within a couple years, that's fine. However you choose to bring in money as an adult, I do not care. I'm not going to enable and support it. But if you can put a thousand dollars to debt towards month, you can pay this off in a couple years. Then do a fully funded emergency fund and you'll be fine.

[A]

Should I do an emergency fund before I pay off my debt?

[B]

One. One month.

[A]

So what, what's one month? Like 4,000.

[B]

4,000. Okay. Yeah. Because your expenses are crazy and your dog expenses and pet expenses are crazy and your debt expenses are crazy. So.

[A]

And one of my dog is 14, so she doesn't have pet insurance.

[B]

Listen, that's what I would do because that's what you need to do to survive. I just, I don't know. And you have a weird situation that I'm not 100% comfortable with. So it's just like whatever, you know, you can pay it off in two years if you bring in an extra 1,000 bucks a month.

[A]

Two years, that's it.

[B]

If you bring in an extra thousand, bring in an extra two and you pay it off in a year.

[A]

Okay, I can do that.

[B]

Yeah. Okay. Listen, Hammer Financial score, we're going to Go into the post show. I guess there's this crazy. First of all there's a lot. We're gonna look into the drama I have a question. We're gonna look into the drama with her ex. We're gonna go into some drama with her mom. We're gonna go into so I guess some drama with the utility companies. Okay. It's gonna be a crazy posture. Let's get her Hammer financial score though. She overspent 0 out of 10.

[A]

Wait, can I ask?

[B]

One second. I'm doing your score debt. You're not paying on things but there's no technical collections. One out of ten Is this emergency? One second. You emerg about a thousand bucks. One out of ten retirement. Was there anything.

[A]

That's my question. I don't know how to access a 401.

[B]

How much is in there?

[A]

I don't know.

[B]

I'll say one out of ten.

[A]

Okay.

[B]

Real estate zero. Amber financial score barely just rounded to one out of ten. That's being generous. It's probably close to 0.5. Get yours@caleb hammer.com. what's your question?

[A]

That was my question.

[B]

How do I see in the post show? It's going to be a good one.

[A]

I just did not pay my water bill for.

[B]

Why the are you not paying your damn water bill? Why did you do anything? Not paying your rent, not paying your student, not paying any thing. Now you're not even paying utilities. They should shut them off. They should shut off your utilities, don't you? They should. LA's enabling you.

[C]

Thanks for watching. For more premium content, join Hammer Elite this month for free and discover what the number one membership on the platform has to offer. Give me the I helicopter see description for more details.