Financial Audit Podcast – “My Biggest Crashout Yet | Financial Audit”

Date: November 19, 2025
Host: Caleb Hammer
Guest: Jason, 29, Houston, Texas

Episode Overview

This episode of Financial Audit features Jason, a 29-year-old data freight analyst (formerly employed) from Houston, Texas. Jason’s financial situation is, in Caleb’s words, “one of the worst” he’s encountered on the show—a tangle of debts, family bailouts, self-indulgent spending, and almost complete financial denial. Caleb’s signature mix of sarcasm, candor, and frustration is on full display as he confronts Jason’s attitudes and choices, which include blowing thousands on trips, concerts, mystic readings, and excessive pet ownership while unemployed and reliant on family handouts.

Tone: The episode is combative, honest, exasperated, and darkly humorous. Caleb does not hold back in his assessments, and Jason leans into his “bad bitch, bougie lifestyle” persona, often responding with nonchalance or deflection.

Key Discussion Points and Insights

Jason’s Background & Financial Snapshot

• Former Job: Data freight analyst, $21/hr, 40 hrs/week
  • “$31,000 net a year. I mean I stay at home, I live with my parents…” [02:58]
• Living Situation:
  • Has moved between parents’ house, cousin’s house, friend’s place, always with others.
  • “Drama” and “bougie lifestyle” blamed for falling outs.
  • "Why does drama follow everywhere you live? ... 'Cause I like a certain lifestyle." [04:09]
• Debt Load:
  • Claims “$26,000,” but Caleb reveals it’s actually $60,710.81.
  • Net worth is negative nearly $61,000, checking/savings combined: $15.64. [13:39–14:30]

Personal Responsibility & Family Dynamics

• Reliance on Family:
  • Regularly borrows from 73-year-old grandmother ($23,000 owed!) and parents ($2,000 owed).
  • “You are one of the worst people that has sat in that seat in a long time. ...You’re disgusting, manipulating your grandma for money to pay your bills, and you don't pay your bills. And then you go to Chicago...” [43:13]
  • “If I ask her, she’ll say yes. I’m just the fun one out of all the grandchildren.” [11:02]
• Sense of Entitlement:
  • Jason repeatedly says he “has to live life,” justifies spending as self-care or simply wanting it.
  • “You gotta live long... That’s what I have my mystic for.” [64:13–64:22]

Financial Behaviors and Self-Image

• Spending on Non-Necessities:
  • Mystic readings: $100/week ($400+/month; 15%+ of pre-layoff income)
  • Concerts/travel: Multiple trips while unemployed – Lady Gaga in Chicago, Dom Dolla in Dallas upcoming, planned Vegas show.
  • “Who are you to think you get to— Is that funny? I mean, I had to go see Lady Gaga.” [37:14]
• Animals:
  • Excessive pet ownership (dogs, cats) despite inability to care for them. Family ends up “inheriting” his animals.
  • “Why the f*** did you have these dogs? ...It is so selfish and disgusting of you.” [30:41]
• Retail Therapy & Hobbies:
  • Over $1,000 spent on plant seeds; “plant gay” subculture; pays for Instagram trackers, Audible, and multiple streaming subs while unemployment.
  • “You can’t afford to be a plant gay right now though. You should be spending all your plant gay time on gay applying to jobs.” [55:33]

Mentality Toward Debt, Credit, and Accountability

• Defaulting on Payments:
  • Multiple credit cards maxed out and overdue (Capital One, Venture One, Quicksilver, etc.).
  • Uses buy-now-pay-later products (Affirm, Klarna, etc), often missing payments or using family accounts and putting their credit at risk.
  • “Every credit card we’ve looked at so far is above the limit. It’s horrible.” [74:45]
• Denial and Deflection:
  • Rarely knows the amounts, minimizes, or jokes about not tracking.
  • “It’ll eventually get paid one day.” [92:14]
  • Uses superficial justification: “I’m living my life at the expense of others.” [58:14]

Employment and Job Search

• Laid Off/Fired:
  • Fired for being chronically late, blames “lifestyle,” considers possible discrimination but concedes lateness was the official reason.
  • “So probably not. No one seems to like you anywhere. …That ends up being your problem.” [17:08]
• Job Search Effort:
  • Minimal curation of resume, sporadic applications to accounting assistant and bartending positions.
  • Took (unpaid) bartending class, not yet certified, lists on resume but lacks relevant experience.

Magical Thinking & Superstition

• Reliance on Mystic:
  • Believes mystic’s tarot/astrology readings will make him debt free by 2026.
  • “My goal is to be debt free by 2026. …by what my mystic told me when we had one of our sessions.” [32:13–32:29]
• Refusal to Develop Game Plan:
  • Offers no actionable strategy, relies on what “cards say” or vague ideas like OnlyFans, selling plants (both extremely low or no income).
  • “The card said that? No, you know what actions you actually have to put in? It’s you building a budget, following it, making sacrifices, and going out and getting a killing. Oh, dude, it’s not a card. It’s your actions.” [32:29]

Notable Quotes & Memorable Moments

Caleb’s Outrage and Candor:

• “You are one of the worst people that has sat in that seat in a long time. ...You are disgusting, manipulating your grandma for money to pay your bills and you don't pay your bills. And then you go to Chicago, live my life.” [43:13]
• “You’re a piece of sh**. ...You’re a bad person. ...I need you to know you are a bad person.” [39:00]
• “You’re a failure.” [61:15]
• “I feel my blood pressure rising more than I have felt in any episode in a very long time. I am enraged at you.” [01:20, 60:56]

Jason’s Indifference and Rationalization:

• “I’m a bad bitch, and I like a bougie lifestyle.” [01:17, 07:48]
• “I mean, I ask grandma for some money... I’ll tell her, like, grandma—” [10:53]
• “If I want to do it, I have to do it. There’s a concert I want to go to, I have to go to it.” [58:14]
• “That’s okay. ...I’m living my life at the expense of others. Yes.” [58:14]
• “It’ll get paid eventually. Some point. Someday.” [72:44]
• “Beforehand, when I had my apartment before all this… I would get dogs. ...I just gave them to my mom.” [31:07]

Humor & Sarcasm:

• Caleb: “What bougie lifestyle do you live on $31,000 a year?” [07:53]
• Jason: “I can cook, I just... I’d rather not.” [75:58]
• Caleb: “You’re a vibe that is a plague to anyone around you. ...You and your other person that you pay—your vibe queen, whatever you call her, Mystic Down.” [57:44]
• Caleb (on OnlyFans): “You are the Hispanic, puffier cheek version of me and gay look. ...You’re not that guy.” [33:15]
• Jason: “I mean, I already have it.” (on OnlyFans) [34:30]
• Caleb: “You can’t afford to be a plant gay right now though.” [55:33]

Important Timestamps & Segments

• 01:47–03:01: Jason’s intro – background, job, return to parents’ home.
• 07:48–09:15: “Bad bitch, bougie lifestyle” and falling out with family/friends.
• 11:02–14:15: Borrowing from grandma; Caleb exposes Jason’s negative net worth.
• 15:09–17:14: Admit being fired for lateness; deflection toward discrimination.
• 19:36–20:47: Attempts to attribute firing to orientation rather than documented policy.
• 23:58–24:52: Unsuccessful job search; lack of resume tailoring; brief bartending school tangent.
• 26:11–27:04: Continued high spending after unemployment.
• 30:41–31:58: Neglect and pushing animals onto mother.
• 32:13–33:06: “Debt-free by 2026” per mystic’s reading.
• 33:41–36:12: OnlyFans “strategy”; $20 total earnings.
• 37:14–39:00: Blowing money on concerts, Lady Gaga in Chicago.
• 43:13–44:30: Caleb’s moral judgment peak.
• 54:18–55:48: Spending on plant/gay hobbies, streaming, subscriptions while jobless.
• 58:14: “I’m living my life at the expense of others. Yes.”
• 61:15: “You are a failure.” (Blood pressure segment)
• 65:58–66:46: Extreme exasperation, joking about “special camp” for people like Jason.
• 68:09–70:12: Reckless use of credit cards for retail spending (H&M, Gymshark).
• 81:08–82:39: Personal loan for lipo360 surgery in Mexico now in collections; woke up mid-surgery.
• 84:39–85:22: Owes grandmother $23,000.
• 87:12–87:19: Owes $111 to a friend for gas—unpaid.
• 88:02–89:00: Multiple car repossessions recounted with little remorse.
• 90:43–91:19: Endless fast food and gas station spending with negative balances.

Conclusion – Caleb’s Final Assessment

Caleb:

"You're a degenerate and I wish for the worst of you. Not really. Kind of, maybe a little." [91:59]

This was, by Caleb’s account, one of the most frustrating episodes of Financial Audit. Jason’s self-indulgent spending at the expense of family, shocking debt, and lack of self-awareness were presented both as a cautionary tale and, at times, farce. The “spiritual journey” via mystic, persistent denial, and cycle of borrowing underpin a situation Caleb deems near-hopeless unless Jason adopts radical accountability and discipline. Yet, Jason’s acceptance of being “the bad person”—without remorse—leaves both host and audience exasperated.

Summary Table (Quick Facts)

| Category | Value/Description | |--------------------|------------------------------------------------------| | Age | 29 | | Location | Houston, Texas | | Previous Job | Data Freight Analyst ($21/hr, 40 hrs/wk) | | Net Income | ~$31,000/year (while employed) | | Current Income | $0 (unemployed, some unemployment) | | Total Debt | $60,710.81 | | Checking/Savings | $15.64 | | Owed to Grandma | $23,000 | | Owed to Dad | $2,000 | | Misc. Debts | Credit cards, buy-now-pay-later, loans, repos, etc. | | Spending (Mystic) | $400/month | | Admission | “I’m living my life at the expense of others.” | | Key Strategy | Magical thinking (tarot readings, OnlyFans, plants) |

Listen to this if:
You want a jaw-dropping, infuriating, and brutally honest picture of financial self-destruction—warts, laugh tracks, and all. Perfect for those who learn best from others’ (spectacular) mistakes.