Predator EXPOSED On Financial Audit

Summary

---

Financial Audit: Predator EXPOSED On Financial Audit

Podcast: Financial Audit
Host: Caleb Hammer
Guest: "Liam" from Conroe, Texas
Date: May 22, 2026

---

Episode Overview

In this explosive and unusually intense episode, Caleb sits down with Liam, a gig worker from Conroe, Texas, whose financial and personal life is in chaos. The episode, blending sharp humor and discomfort, dissects not only Liam’s devastating finances—marked by predatory payday loans, family debt, and living beyond his means—but also a turbulent recent romantic history, marked by manipulation, stalking accusations, and questionable life choices.

Caleb’s signature confrontational style magnifies the dysfunction, with frequent interruptions, sarcasm, and cutting observations. This episode stands out for the way it exposes not just poor money management, but also the deep-rooted behavioral problems that can sabotage financial recovery.

---

Key Discussion Points & Insights

1. Introductions and Immediate Tension

• [01:35] Liam introduces himself as a gig worker from Conroe, driving for Uber Eats up to 80 hours a week.
• Caleb instantly latches onto Liam’s appearance and background with biting sarcasm and uncomfortable racial jokes, setting a tense and combative tone.
• Liam claims to be a “nice guy that’s just been through bad situations”; Caleb directly challenges this self-perception throughout the episode.

“You got a little bit of a Nazi look to you. Just a little less of the blonde hair, but that blue eyes screaming at me.” – Caleb [01:41]

2. Gig Work and Financial Reality

• [03:18] Liam describes a grueling driving schedule (up to 80 hours/week), earning $1000 weekly before expenses.
• Caleb walks Liam (sometimes forcefully) through the reality that, after gas, maintenance, taxes, and no car insurance, Liam nets far less—often below minimum wage for his region.
• Uber Eats work is criticized for its unsustainable returns compared to even fast food jobs.

“For your $600 net, which by the way is before you set aside money for taxes … that’s $14 an hour. You could be making $15 somewhere else.” – Caleb [08:49]

3. Origin of Financial Problems: Relationship Chaos

• [10:27] Liam claims he lost his previous job as a car salesman due to personal drama distracting him at work.
• Caleb probes and uncovers a messy relationship web:
  • Liam was concurrently involved with his child's mother and his child’s daycare teacher, leading to secrecy, manipulation, and overlap in the relationships.
  • He admits to being manipulative to maintain access to his child.

“I basically kept telling her that we would get back together … Because I was so afraid … she would not allow me to see my son.” – Liam [16:15]

• Caleb repeatedly points out that Liam’s “victim” framing masks the fact that every outcome resulted from his own choices:

“Remember he started this with saying, oh, it wasn’t me that got into this … And then he continues down this story of everything that were his choices so far.” – Caleb [15:59]

4. Breakup Fallout, Accusations of Stalking

• [27:41] Liam describes giving a promise ring to his ex (the daycare teacher), only to be broken up with days later.
• He admits to extended, desperate messaging post-breakup, seeking closure or reconciliation.
• [35:46] Host reads messages from the ex accusing Liam of “stalking”—Liam minimizes this, claims lack of intent, but then admits to sending flowers unprompted, showing up near her new apartment, and fixating on whether she’s moved on.

“You stalked her. … That was all you. You stalked her.” – Caleb [38:04]
“You don’t know she’s with someone. … You showed up to her place like a freak.” – Caleb [40:18]

5. Friend Loan: The 100% Payday Trap

• [51:03] Liam describes taking out a nearly $2,000 payday loan (at 100% APR) to “help” a female friend with attorney fees—despite her being unemployed and unable to pay him back.
• Only a fraction of the payments have been made by her; Caleb notes this was financial self-sabotage fueled by Liam’s past feelings for her.

“Why would you possibly give that person money? She’s irresponsible. … No way she can’t pay $80 a month. … And if she doesn’t send a statement, it’s a pathetic thing that’s happening.” – Caleb [78:20]

• Liam went further into debt, borrowing separately at high interest for rent and utilities he doesn’t pay, even while spending on fast food, entertainment, and vapes.

6. On-Air Call with the Friend (Loan Recipient)

• [58:41] To confront the reality of repayment, Caleb calls Liam’s friend live.
• She admits she can’t pay him, is gig working with anxiety, can’t show proof of responsible spending (but agrees to send a statement for verification), and disputes the exact loan amount.
• The conversation spirals, underlining the dysfunction and absence of accountability on both sides.

“This is an insane personal loan to take out for someone that doesn’t have a job and someone who can’t drive because of their anxiety. And their job is driving. … That was a good phone call to make.” – Caleb [68:17]

7. Debts to Family, More Financial Neglect

• [81:09] Liam owes thousands to his sister, hasn't paid utilities in a year, and owes his child’s mother for improperly claiming the child tax credit (against their agreement).
• Despite bills, he continually spends hundreds of dollars a month on fast food, streaming subs, vaping, and other non-essentials.

“You spend $500 last month on bullshit at a minimum. … What's your monthly utility payment? This is pathetic.” – Caleb [81:21]

8. Failed Justifications and Self-Delusion

• Liam repeatedly frames himself as a “nice guy” who just wants to help, yet each story reveals self-destruction, boundary crossing, irresponsibility, and emotional manipulation.
• Caleb ruthlessly exposes contradictions, challenging Liam’s rationalizations at every turn.

“Your life is pathetic. You don’t have to be. But you need to grow up. … The way you stalk women at 27. The way you treat women. You’re taking out payday loans at 100% for women. You not paying your sister. … It’s pathetic. You need to wake the fuck up.” – Caleb [81:52]

---

Notable Quotes & Memorable Moments

• On playing the victim:

  “Remember he started this with saying … it wasn’t my fault. And then he continues down this story of everything that were his choices so far.” – Caleb [15:59]

• On stalking:

  “You stalked her. I have. … That was all you. … You stalked her.” – Caleb [38:04]
  “You sound crazy. You actually sound crazy.” – Caleb [40:18]

• On the friend’s loan:

  “Why would you possibly give that person money? She's irresponsible.” – Caleb [78:20]

• On entitlement:

  “Why are you sending her flowers?” – Caleb [40:43]

• On financial neglect:

  “You spent $500 last month on bullshit at a minimum. What is wrong with you?” – Caleb [81:21]

• Moral reckoning:

  “Your life is pathetic. … You need to wake the fuck up. … As a guy, you are pathetic right now. You don't have to be.” – Caleb [81:52]

---

Segment Timestamps

• [01:35] – Liam introduces himself, initial tone set (sarcasm, discomfort)
• [03:18] – Gig work earnings, actual take-home after expenses
• [10:27] – Losing salesman job, drama, exes
• [13:00–16:21] – Manipulating baby mama to maintain custody, dating daycare teacher
• [27:41–35:46] – Promise ring saga, post-breakup desperation, “stalking” behavior revealed
• [35:46] – Host reads ex’s texts accusing Liam of stalking
• [51:02] – Payday loan for female friend
• [58:41] – Live phone call to loan recipient friend
• [68:17] – Host recaps dysfunction revealed in call
• [81:09–82:51] – Owing family, failing to pay bills, living beyond means
• [91:02–91:47] – Host refuses to consider Liam for any job at the company, escalates to “shot on sight” hyperbole

---

Tone and Final Thoughts

• Tone: Aggressive, biting, combative, with dark humor and a sense of exasperation. Caleb pushes Liam to own his mistakes, exposing both financial and moral failings.
• Takeaway:
  This is not merely a financial audit—it’s an intervention. Caleb makes it clear: financial success is impossible without conquering the self-defeating, manipulative, and compulsive tendencies that have brought Liam to the edge.

---

Actionable Insights (Implied or Stated by Caleb)

• Stop playing the victim. Accept personal responsibility for all life choices, both financial and relational.
• Cease all non-essential spending immediately.
• Pay essentials and minimums to avoid worse financial disaster.
• STOP enabling or supporting others financially who have repeatedly demonstrated irresponsibility.
• Get a stable job—even fast food pays better than gig work after expenses in many cases.
• Never lend money to people who cannot repay.
• Seek therapy or counseling if obsessive or boundary-pushing behavior continues.
• Do not engage in behavior (romantic, familial, or financial) you cannot honestly defend in the light of day.

---

Caleb’s Hammer Financial Score

• “Zero out of ten. Guys, join us to the Post show…”
• Liam self-scored: 2 out of 10 (on a good day); Credit score: 520

---

This episode is a cautionary tale about how personal brokenness amplifies financial chaos. The “audit” is not just of numbers, but of character and discernment, ruthlessly exposed for the listener.

---

Transcript

[A]

You can't reason with the sun. Trust us, we've tried. This summer, it's time to put that angry ball of fire on mute. Colombia's Omnishade technology is engineered to protect you from the sun's harsh rays that can burn and damage your skin. The sun is relentless, but so is our gear. Level up your [e-mail] to spend more time outside and less time slathering on aloe lotion. You're welcome, Columbia. Engineered for whatever. To watch episodes of Financial Audit a week earlier. Check us out on YouTube. The most recent message she sent to you. I got told of the times you were stalking me without me knowing. So no trust from your part.

[B]

I thought, why?

[A]

She said I'd give your back. Then we can go back to not knowing each other. Dude, she said you were stalking her afterwards.

[B]

But during that time, it was not my fault that she had been at all. It was not my fault. It was not my fault fault. She actually found out.

[C]

She already knows all these different things and we actually had a few different discussions that I'm pretty sure he might not have told you about.

[A]

The summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my budget friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67 off thing. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now.

[B]

Hi, my name is Liam. I'm from Conroe, Texas and this is Financial Audit.

[A]

Thanks for coming down. You got a little bit of a Nazi look to you. Just a little less of the blonde hair, but that blue eyes screaming at me. And you definitely look like you want to kill some minorities. Especially in that small Texas town of Conroe. Holzer just sounds like a racist town. It sounds like a town where you just, you know, kill some blacks.

[B]

No.

[A]

So what do you do in racism?

[B]

In racism? Absolutely not. More for me, for my work. I deliver for Uber Eats.

[A]

Oh, you got the accent of a racist too. But you're delivering Uber Eats, so you're working with them, so that's good. Yeah.

[B]

Yeah.

[A]

Okay. Inclusive. Well, Uber Eats doesn't really pay that well these days. Listen, did great during COVID Actually.

[B]

Actually they do pay quite a substantial amount now versus whenever they first came out. I'm making now when it first come

[A]

out, like, what are we comparing it to? In that. In that little argument, what are we comparing?

[B]

Like seven, eight years ago, you'd get maybe like a five dollar, six order to drive like 20 something odd miles. Just drop off some McDonald's.

[A]

How many people are Uber eating in Conroe?

[B]

I would say just a small, maybe two dozen. But that stretches all the way from, like, Willis, Conroe, Montgomery.

[A]

Okay, you're saying words that I don't recognize.

[B]

The cities. The cities. But no, with the amount of drivers, it's pretty equal all around. Everyone makes a pretty good share. I don't really know how well the other drivers are doing, but I know I'm doing pretty well.

[A]

How many hours do you drive a week?

[B]

Well, they fluctuate. I try to drive 12 hours from basically noon to midnight, the lunch rush,

[A]

and every day, seven days a week.

[B]

Well, that's what I'm trying to do right now.

[A]

What is trying to do? You do it or you don't? How do you try? You do or you do? This is one of those things where you could just do it.

[B]

Last week I wasn't able to because

[A]

last week's one week. But what do you do on an average?

[B]

Okay, on an average, I'm looking at 60 to 80 hours a week.

[A]

That's making what, a week?

[B]

I made a thousand for one week. And this before gas. Before gas, yeah.

[A]

What did you make after gas and after maintenance percentage. Which let's calculate that.

[B]

If I were to give, like, a pretty good estimate, because maintenance fluctuates as well when it comes to tires, oil, everything else, I would say maybe 700, 750 a week. Well, right now I don't have car insurance, so that's not also kind of including that, even though they sometimes require it. But it's fine. Did you actually know that Uber.

[A]

You're just talking. What are you talking about?

[B]

Who are you talking about? I'm trying to feed off of what I was just saying. Like, I don't have insurance right now.

[A]

I said I'm looking in. The percentage that is recommended is set aside for maintenance because I assume you would not know, but.

[B]

No, no, no, no, no. But you're not listening to me, though. Whenever I'm telling you, it's like I'm

[A]

not hearing your words.

[B]

Well, you're not. You're not interpreting what I'm trying to say because you're not trying to listen. What I'm saying is like, Uber already has insurance that they provide to their drivers now, so they take. I think about 1 to 2% of all the trips I do. And it basically kind of covers the insurance if I were to ever get into an accident.

[A]

Well, it's insurance. I'm looking for maintenance. I don't understand.

[B]

Oh, well, you. Oh, I thought you were saying insurance. I didn't, I didn't.

[A]

I said maintenance. So are you sure I'm not the one listening?

[B]

Okay, okay. I was hearing the insurance.

[A]

Did I say insurance?

[B]

I, I, I. Sorry, sorry, sorry, sorry, sorry, sorry, sorry. I was, I was, I was told to mute.

[A]

Sorry. Yeah. You were told to mute.

[B]

Yeah, yeah, my bad.

[A]

So why didn't you. And why is that your tone?

[B]

I, I forgot. I'm sorry. I, I forgot to mute it. That's my bad. No, no, go, go ahead. It's okay. But besides all.

[A]

Oh my God.

[B]

But besides all that, I'm trying to help fix my finances.

[A]

Oh, are you? Is that why you're on Financial Audit?

[B]

Yes.

[A]

That's a unique. That's unique.

[B]

I know. You have just a whole plethora of just bad people that have been on the show that have kind of like. You're one of them.

[A]

Trust me. No, no. Racist mother.

[B]

Oh, here's the thing. No, I'm. Here's the thing. I'm not racist. I actually do consider myself racist. I'm not a racist. Dude, in my personal opinion, I do actually consider myself a nice guy that's just been through just bad situations.

[A]

Nice guy that hates blacks.

[B]

Dude, come on, I got plenty of blacks.

[A]

I hate Jews too.

[B]

Yeah, no, not.

[A]

He hates the Jews.

[B]

No, no, just cuz part does not mean I hate Jews. It's fine. No, no.

[A]

Well, that's not your fake name, but either way, we'll bleep that. But regardless, I think that fog going off right there was a notification for Nick Fuentes just went live.

[B]

No, that was actually quite coincidentally my Chase app telling me that I was actually going in overdraft.

[A]

I thought you just said you were the good guy, the one who's coming on. That's not like all the other degenerates. You're a degenerate if you've been accepted to be on the show. Yeah, I don't know why you think you're better. What are you talking about? Pondering life over there. What? What was that?

[B]

Oh, I just want to get my finances.

[A]

Oh, that's interesting. No guest has ever wanted that before. Okay, am I able to finish typing this out while I'm looking for the recommended percentage to set aside for maintenance?

[B]

You're still Looking that up.

[A]

Dude, you keep interrupting me and I am trying to actually focus on what you're saying when you talk, but you're not typing. I just finished it. Now it's looking. It's doing the thing where it looks.

[B]

Oh, you're using ChatGPT. Okay.

[A]

Okay. It recommends setting 30 to 40% of your Uber eats income aside for gas maintenance vehicle costs. Now the thing is, 40% is what we're gonna do. We're gonna do the high end. Cause gas prices only going up right now. Who knows by the time this comes out? But straighter. Hermus, not looking great at the moment. Kind of got a two sided standoff on that. So $1,000 made that week. Well, that becomes $600. How many hours did you work that week?

[B]

About 60 to 80.

[A]

60 to 80. That's like saying I made what. What do you. 600 to 800. What did you make? How many hours did you work that hour? That. No, no, no. When you made a thousand, how many hours did you work? When you made a thousand, how many hours did you work?

[B]

I don't know. Can I. Can I pull out my phone and show you?

[A]

Yeah, yeah.

[B]

Okay.

[A]

Okay.

[B]

It's just, man, it's so hard for you understand, man, Whenever, like phones. No, no, just these finances, dude. It's just. It's.

[A]

It's hard for me to understand. Well, yeah, I think I just understood your maintenance better than you ever have.

[B]

Well, no, no, no, it's okay.

[C]

Here.

[A]

Well, it's hard for me. You just tell me the number. I'm not touching a little racism. Phone it.

[B]

I'm in the situation that I'm at because.

[A]

Hey, can you just tell me how many hours you drove for that thousand dollars?

[B]

The time's right there, dude.

[A]

Okay, I don't know how to read this. I haven't done it.

[B]

42 hours.

[A]

Okay. I did Jimmy John's 42. Okay, so for your 600 net, which by the way is before you set aside money for taxes, contractor isn't necessarily a bad thing. But that's 14 bucks an hour guarantee. You could be making 15 bucks an hour somewhere there. So you're making worse income than you would working at basically any fast food place in Austin.

[B]

In Austin.

[A]

In Austin. Conroe. Conroe. You're probably finding what, 12, 13, 14.

[B]

No, not Conroe. Okay? I tried applying for McDonald's and Burger King. Those are both about 10 to $11 an hour. I can't sustainably live off of that and try to pay off my debt at the very same time, when it comes to like, just trying to pay off those debts, man, I, I, I was basically just kind of like put in this hole. I was not putting myself in this hole. Everyone else thing is, when I'm looking

[A]

at this recommended from, from the sources that, you know, many people use, because that was actually from the Internal Revenue Service mileage rate. So this is like gig driving IRS mileage rate. That was last year. That was before the straight of her move. So setting aside 40%, it's probably 50% now for gas. So even still, you're probably making under what that would be at the McDonald's and whatnot. That's the thing. So it's typical starting range in common crew member. Right now listed online in Conroe is 12 to $14 an hour, which after current gas prices, you are below. So you're working more hours for less pay. Okay, Big contemplation happening. Where does, where does it end? That is a crazy face you're giving me. Like a Gollum face.

[B]

I was not, I was not the one who put myself in this situation, man.

[A]

Okay, in the situation of you driving Uber Eats, I would think so. Who forced you to do that? Who put a gun to your head? I didn't, I don't remember.

[B]

I let go from my job because I wasn't able to focus on my work.

[A]

Yeah, it's happened to everyone. Go get another one.

[B]

Well, no, no, I tried. I tried, but you're not understanding. Whenever I saw you gave him the

[A]

Gollum face during your interview, I turned you away too.

[B]

I wasn't able to focus on my work. I was a car salesman, so I had a lot of stuff going on, a lot of drama going on while I was actually working there. And I was basically on the watt on the lot, walking back and forth basically on the phone, just trying to clear and settle some things up.

[A]

Okay, fine, fine, I'll bite. What? Drama.

[B]

Okay, so this is, it's all just gonna be a lot. My ex, my most recent one, we were together for about.

[A]

Let me guess, you're a victim from your ex, like everyone on the show and they. And you're never the problem.

[B]

Well, okay, more. 75. 25. 25. Me 70. What I'm saying is I. Whenever we were actually in our relationship, dude, everything was just going swimmingly. I was, I did lie a little bit in the beginning of the relationship, but it was.

[A]

You lied a little bit. Just like you lied to me working 12 hours a day. I l two hours a week. Worship you. Continue Liar.

[B]

I lied in the sense saying that I wasn't with or talking with my son's mom during the time that I was actually son's. Yeah.

[A]

Wait, you got a baby mama? Yeah. Why aren't you supporting baby mama? Where are you with baby mama? What do you mean? What are you. You weren't talking to. What do you mean you weren't talking to. Well. Well, no, hold your kid one.

[B]

My kids too.

[A]

You have a single kid?

[B]

I have a single kid.

[A]

Okay. Thank you. See this kid?

[B]

Oh, yeah. No, no, no. We don't have any custody agreement or anything going on right now. We're trying to co parent right now.

[A]

Okay. So. Okay, so you're walking around the parking lot talking to baby mama all day.

[B]

No, not. Not really. I'm talking to my most recent ex. But the recent.

[A]

The most recent ex.

[B]

The most recent ex was actually my son's daycare teacher. Yeah, she was.

[A]

Are you doing. What the are you doing?

[B]

I didn't know really what I was doing. She. She was very cute. She was very nice.

[A]

Show me a picture. Okay.

[B]

Do you want to see my son too?

[A]

No.

[B]

Oh, he's cute. He actually just turned two. His birthday was a week ago.

[A]

Happy birthday.

[B]

Oh, thank you.

[A]

To the kid.

[B]

Well, no shit. No, it's me.

[A]

So you cheated on your baby mama with the. With the daycare.

[B]

So that was her. So not really that much of a flattering photo.

[A]

No, she's cute. I mean, I totally would, but would I cheat?

[B]

No, it's not that I.

[A]

It's all right. Show me your nudes. No, no, I'm kidding.

[B]

No, no, no. It's more along the fact that you considered it. No, no, it's more along the lines of I was still talking to my son's mom whenever I actually first started talking to her.

[A]

Well, that's good. You should probably talk to your son's mother.

[B]

Well, more than talk. Before I actually started talking to my most recent. We were sleeping together. We were trying to.

[A]

Who was sleeping together?

[B]

Me and my son's mom after we had broken up.

[A]

Okay, so you guys were still very good. So at that point, what, you went into the daycare and slipped it in?

[B]

No, it was more in the back of my truck.

[A]

At the daycare.

[B]

No, no. God, no. No, no, no, no. Where? At my old work.

[A]

The cardio ship?

[B]

No, no, no.

[A]

That you got fired from?

[B]

No, no, no. My work before that, which was at and T. I've been in sales now for the past.

[A]

Not very good at it.

[B]

What are you. Well, no, actually, I got offered a store manager position with AT&T, but I decided to leave that to go to car sales. Why? I thought it would be a better opportunity during that time, but.

[A]

Okay, why were you the mother of the child and the babysitter or. Well, the tutor, whatever.

[B]

No, no, no, no, no, no, no. I wasn't sleeping together at the very same time with both of them. No, no, no, no, no. I was sleeping with the baby mama. And then the very first week that I was talking to the most recent ex at the daycare, that's whenever I officially cut things off with the baby mama, but I didn't tell her.

[A]

Why'd you. His daycare teacher. That is just so. You're setting yourself up for messing. Just mess. What are you doing?

[B]

I didn't. I didn't think much about it during the time I. I was basically.

[A]

You were. I know how it works.

[B]

I know what I did was bad, but at the very same time, the way that everything went.

[A]

I know it's necessarily bad, but you were setting yourself up for an absolute mess.

[B]

I know it should not have gone the way that it did, though, in my personal opinion, because I was still doing everything I possibly could to be. To be the better person for my son and to be the person.

[A]

In what way are you the good guy here? You're not a good guy because you're.

[B]

No.

[A]

No babysitter.

[B]

Everything had a reason for why I was doing it. I was doing it for the better of the betterment of my son during that time.

[A]

Yes. Having sex with the daycare teacher of your son is for the betterment of your son. Definitely not for your dick to not.

[B]

Hey, if you want to hear the actual explanation, you gotta let me talk. Okay, so when it actually comes. I know you did.

[A]

No, that was the whole point.

[B]

The whole reason that I was still with the baby mama and still sleeping together, even though we were already. We were broken up during that time was. I was. I kept telling her. It's like, hey, can you pause?

[A]

I'm listening, but can you pause? Remember he started this with saying, oh, it wasn't me that got into this. It wasn't necessarily my fault. And then he continues down this story of everything that were his choices so far. Continue.

[B]

I basically kept telling her that we would get back together. I was basically sitting there.

[A]

Manipulative, too.

[B]

Yeah. I was sitting there under the impression. I kept telling her, like, hey, we'll get back together. Because I was so afraid that if whenever we had broken up 100% and I would Stop talking to her. She would not allow me to see my son because she already showed that same exact pattern of results. Because she didn't allow me to be there for the birth of my son whenever my son was actually born. I wasn't actually aware you could go

[A]

to court, not for showing up to the birth, but custody.

[B]

See, no, that I was trying to be the nice guy in the situation. I didn't want to actually take a

[A]

session with a nice guy. This is like the fourth time you brought a nice guy. Oh, a nice guy. You care. Teacher. She didn't know. How'd she find out? Did she find out? Does she know?

[B]

She. She knew.

[A]

How? She knew you were telling her.

[B]

No, the. The. Okay, hey.

[A]

Recording and showing.

[B]

Okay, look, you don't understand the situation, okay?

[A]

You sure? How.

[B]

You don't. I'm trying to. You're not letting me talk.

[A]

Yes, I am.

[B]

I'm just interrupting, like, every other word that I'm saying, dude.

[A]

Of course. Financial audit. Continue.

[B]

I'll continue if you don't interrupt me as much.

[A]

Well, then you will not be continuing.

[B]

Lost my train of thought. See? Okay.

[A]

See?

[B]

Okay, you. You gotta stop interrupting me as much, man.

[A]

I'm going to ask the question.

[B]

But, dude, I'm already on a train of thought. You. I. I'm trying to sit here and actually explain everything to you. Yeah. I'm trying to explain everything to you while you're talking to me. I can't even hear myself think while you're real. I'm not, but I have ears, and I can't hear them while you're sitting there.

[A]

Just hear them?

[B]

Yeah.

[A]

Your own thoughts over you talking about your own thoughts.

[B]

I can hear. Yeah. I can't even hear you, dude. I know. It's. I can't even hear myself, man. I just.

[A]

You listen to yourself, dude.

[B]

Okay. Okay. I just.

[A]

How did you find out?

[B]

I feel like we just need to take, like, a real quick, like, just pause. Like, it just kind of like a little, like a decompression.

[A]

No. How'd she find out?

[B]

Like, I just.

[A]

How'd baby mama find out? How many schools have you shot up, dude? You're a fucking freak.

[B]

No, I haven't shot up any schools, asshole. No, what I've actually been doing is trying to, like, figure out my life in the future. Not trying to be some sort of racist school shooter, all right?

[A]

Racist? What do you have to be racist about?

[B]

You said it in the very beginning.

[A]

Why are you only targeting minorities at this school?

[B]

God, I can't. With you I can't. Oh, geez.

[A]

All right.

[B]

How did baby mama find out? Is that what you were trying to ask?

[A]

Who'd you shoot first in this room besides me?

[B]

How baby mama found out. Let's try to just stick on that. I was sleeping with baby mama. She already knew. She was the one that told my ex while I was sleeping with her.

[A]

The daycare lady told her.

[B]

No, my baby mama told the daycare lady.

[A]

What did your baby mama tell the daycare lady?

[B]

That I was sleeping with her whenever I first met her.

[A]

Okay, pause. So the thing is. And this is why I have to ask questions, buddy, because in no normal world does a person just go up to their daycare teacher and be like, you know, I'm the guy, the father of the child. Why would she just say that? You. This is why I have to ask questions. People get upset that I interrupt. But you're. That makes no sense. That makes no sense. That makes no sense. You are clearly leaving out information.

[B]

There's a lot of gaps. Yeah, I'm leaving out a lot of information because you're not allowing me to, like, fill in those gaps.

[A]

Okay, okay, okay.

[B]

We had taken him out of that daycare. We had taken them out of that daycare while I was with the daycare teacher during that time. And while I was with her, we moved them to a brand new daycare. Okay, so in between that time, we actually just stopped seeing her all together. There were me and baby mama together. We didn't see her together. I was the main one seeing her because I was dating her. She broke up with me whenever she actually found out about everything while I was. How. If you were listening.

[C]

I am.

[A]

I am.

[B]

Just tell me how.

[A]

I don't need your whole lore. I'm just. How did she find out?

[B]

Baby mama told the daycare teacher that I was sleeping.

[A]

Why would she say that?

[B]

Because she wanted to hurt me, dude. She did it out of spite.

[A]

But how would that hurt you?

[B]

Because I had already bought a promise ring for this woman. I was ready to get engaged.

[A]

I'm asking how baby you found out. How did your baby mother find out that you were daycare teacher?

[B]

Oh, my bad.

[A]

You're pathetic.

[B]

My bad, My bad. Okay, I see what you're saying. I see what you're saying. Oh, you figured it out all right.

[A]

After the 30th time.

[B]

Again, don't interrupt.

[A]

So I was interrupting. I asked that question 40 times.

[B]

She found out via Facebook. We, me and daycare teacher, we talked all the time on messenger. We were friends on Facebook. Me and Babymom are friends on Facebook. She saw her as a suggested friend already knowing that was his previous daycare teacher. And she kind of put two and two together. Confronted me about it. I lied initially.

[A]

Shocker.

[B]

And then came out about it at the end. That's how she found out.

[A]

Great. Yeah. What a good guy you are.

[B]

I'm trying to be. I'm trying to be. Because here's the thing.

[A]

Trying to be. What have you done that is trying to be. You're not trying to be. There's no trying. I didn't see trying. What are you talking about?

[B]

I know.

[A]

Did it get the daycare teacher in trouble? She.

[B]

She got scolded by her boss. Yes. But it was basically just water under the bridge after that.

[A]

So who. How did you slide into that?

[B]

It was more just simple. Like, hey, I've been wanting to talk to you about getting your number recently. I would love to take you out for. I'd like to take you out for a movie. We tried to organize for a movie

[A]

to the person who was watching your kid. I just don't understand. So it's like a boundary thing. I. I don't give a about two consensual adults. This is. It's just complicated. And then listen again. You constructed that whole borderline mentally and your ability to tell it off. The fact that you were walking around a parking lot on your phone and how. That's not your fault.

[B]

I wasn't able to focus on sales. And I was trying to.

[A]

What was happening in that moment.

[B]

I was walking around the lot. That's all I was doing. I wasn't able to talk to any customers.

[A]

They go talk to them. You pathetic salesman.

[B]

I do. I am supposed to talk to them.

[A]

That's what I'm saying. Do that instead of walking around like a weirdo. Like a freak that people should be afraid of.

[B]

Why would they be afraid of me?

[A]

I'd be terrified. You walking around, your little blue eyes, twink looking skeleton face. Absolutely. Pulling up to a parking lot. I feel like I'm gonna get blasted in the face. What? Really? Yeah. Every once in a while when you make your little Gollum face. Man. Scary.

[B]

It is so weird hearing you call me like the golem face whenever. You look exactly like Al from Toy Story 2. Look exactly like him. It's the hair a little bit. And hair needs a little bit more work. But very big.

[A]

Dude.

[B]

Yeah. The guy that owns the toy store.

[A]

The bald man with the comb over.

[B]

Yeah, that's what I'm saying. A Little bit more work on the hair. Like, let me really good Halloween costume.

[A]

You're receding. My hairline's perfectly fine. Well, it's not normal.

[B]

No, you're hiding your hairline right now.

[A]

Do this. No, I'm not. It's just long hair. It's just. Oh, no, it's not hiding. No, I'm perfectly fine. Well, good. Attempt drowning in student loans with massive interest rates. I see it on the show all the time. People get loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why Refi comes in. Why Refi works specific with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between 0.1% and 5.99%. And they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co borrower release from your loan, they've got a program for that too. Plus their team is in Phoenix, Arizona. So when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try why refi? Head to why refi.comhamm that is yrefy.com hammer or call 888 yrefi78. That is 888-yrefi78. Break free from the high interest trap and get your finances under control once and for all. You suck with money. So you download a budgeting app. You start with the classic one, ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to Use it his way. That's not very personal. Finances. Rocket Money. They got a lot of commercials, but they're owned by Rocket Mortgage. Guess what? They want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise, Built by these people just like you for people just like you.

[B]

Nobody.

[A]

Private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com link in the description below. Body.

[B]

Mine's not.

[A]

What do you think that. Zoom in on that.

[B]

My hairline's already. Dude, it's fine.

[A]

It got zoomed in on.

[B]

It's fine.

[A]

Well, you didn't even lift it. You're. You're like, look. Then he hit it.

[B]

It's fine. It's fine.

[A]

Okay, so you tried to make a comparison. Didn't really work. Well done. I don't know. Okay, so you tried to give her a promise ring. So you had to walk around a parking lot for, like, 30 days. You couldn't make a single sale because you're a piece of shit at your job.

[B]

I wasn't.

[A]

We've all dealt with struggles.

[B]

Here's the thing. Here's the thing. I actually did make sales, but they weren't under my name.

[A]

Huh. What?

[B]

So how.

[A]

Under Gollum's name.

[B]

I'm sorry, continue. What I'm saying is, whenever you're a car salesman, you go through a small training phase, and you're supposed to be making about $2,000 a month, normal. And then you only make about $75 per car that you sell on the lot. I still talk to customers. I still brought them in, and I actually gave them to other employees, and they paid me more under the table.

[A]

Okay. Did you say that?

[B]

I did. But they needed sales on paper because it.

[A]

Fair.

[B]

Because it seemed as though for two and a half months, I had just been in there collecting $2,000 worth of checks every month and not selling anything, when in reality, I had already sold about four to five cars.

[A]

So did you give her the promise ring? Did you give her your precious.

[B]

I gave her the promise ring, yes.

[A]

Okay, very good. So you guys are still together. So it worked out in the end?

[B]

No.

[A]

Okay, well, that promise ring didn't last long.

[B]

Yeah, I gave it to her, I think December, maybe 20th. And she broke up with me.

[A]

Of this past December, the one that Just happened.

[B]

Yes. And she broke up with me December 23rd.

[A]

Oh, your life sucks. Oh, wouldn't want to be you.

[B]

Yeah, no, you should. You should have actually seen it. For my family, they had our. My one. My aunt that only met her one time had already bought her presents, her gifts, and she had already asked me to return them, so.

[A]

No. That sucks. No, I'm sorry. What happened?

[B]

I begged, I pleaded. I did, many, many times.

[A]

I don't know if that's what keeps them around.

[B]

Yeah, no, especially for what happened afterwards.

[A]

What happened afterwards?

[B]

I found out that she was still in contact with my sister and I.

[A]

Sister?

[B]

Yeah. I asked her to ask her where her new apartment was because I thought she had moved into this apartment that was right next to my old work, but found out she actually.

[A]

Your ex. Why do you need to know where she lives?

[B]

I wanted to apologize and send her flowers and say, we've all been there.

[A]

You can have your crazy moments. I had my crazy breakups. We all did. Maybe in early college. Not at 27.

[B]

Continue then. It was a whole thing of. She basically asked me to stop contacting her.

[A]

Yeah.

[B]

But I just asked for just one last thing. Just my stuff and the promise ring back. I wanted to return it. I wanted. Because there's no value in it no more. Obviously she wasn't going to be using it like that, so I don't think

[A]

that's what constitutes value of a ring.

[B]

Well, it's a bit promise ring. Like that. There's a significance behind it. So I just, like.

[A]

I don't think that's what she thought. She was like, oh, this is money.

[B]

Yeah. So I asked for my clothes back, my hoodie that I got from boot camp.

[A]

She didn't want contact. I understand you wanted your shit back, but you're probably a freak. Okay. Show me your text messages. Yep. Yeah. Oh, yeah. Oh, yeah. And don't you delete any.

[B]

I'm not. All right.

[A]

Oh, let's see. Mr. Liam.

[B]

And you should be. You should be in no position to be judging, man. You should be in no position.

[A]

What do you mean? I have a girlfriend.

[B]

We're working.

[A]

Like, everything's great. Actually, I'm in the position.

[B]

You don't understand, like, how difficult it can be sometimes, man. Like, what does that mean?

[A]

Yes, I do. I've lived life. I've had Brad. Had bad breakups. What are you talking about?

[B]

For your life right now, dude, you are living the dream right now.

[A]

For two years, I've had a lot of money. I was living longer than you've been alive right now with less money.

[B]

I'm just saying, man, when it comes to.

[A]

Like, you literally can't say that. That's bullshit. Just because someone becomes successful doesn't mean the rest of their life didn't happen.

[B]

What matters right now, what matters the most is what is going on currently in the life versus what has happened in the past. You learn from it. Absolutely. But what's going on right now matters now.

[A]

At 27, she's very pretty, so I get it. This will be my past message to you. Starting it off with a typo, that's gonna get her back, not out of spite or anger, just so I stop bothering you. I'm sorry. I have no idea how to feel what I believe and what to do anymore. I thought, why.

[B]

Nah, that's enough, man. Come on. Come on. That's enough. That's enough. Like, there's no need for all that.

[A]

No need for it. Absolutely. Yeah, I agree. First of all, why are you on Boomer text, man?

[B]

What?

[A]

Oh, you can zoom in and out on this. That's actually kind of Nice. Yeah.

[B]

IPhone can't do that.

[A]

No, iPhone can't. Tim Cook before you leave, if you're listening, I thought if I was mad at you, I could move on easier, but that was wrong, by the way. I wouldn't have done this if you said, literally, your income problems weren't because of this. This is all you. This is your choices. This is you. I wouldn't be doing any of this. Not a single moment of this. Wouldn't even be considering it. In fact, I wouldn't have even known it existed. Colton didn't know this existed.

[B]

You mind if I smoke?

[A]

Yes. All right, cool. Appreciate it. No, I do mind is what I just.

[B]

I'll be quick.

[A]

I do not consent to it. I will kick you out.

[B]

You.

[A]

What's wrong with you?

[B]

It was just real quick. It was just real quick. You're not going to die from it. It's fine.

[A]

Addict. Disgusting, pathetic mother.

[B]

It's fine.

[A]

I'm glad she left.

[B]

You're going to die tomorrow.

[A]

Good. I don't know. I hope not.

[B]

Oh, you're amused to some shot, huh? Your immune system is shot. Then if you're going to be dying tomorrow from that.

[A]

Oh, I get hit by a car. I don't know what's happening.

[B]

Then that's not my fault.

[A]

I didn't say that. I thought if I asked for my stuff back, I would stop thinking about you. I was wrong. I've been wrong a lot in my life. And I've made a lot of mistakes. But when we got together.

[B]

Is there anything else that you could possibly be doing right now besides just blasting that? Is there anything else?

[A]

But when we got together, I was happy. Truly happy. Like I just made the best decision in my life. But it started on a lie and ended up with more lies. You didn't deserve that. I thought I could get away with it. But I was wrong again. I really enjoyed the memories we shared. And I will always hold those close to my heart.

[B]

Are you happy with yourself?

[A]

I'm sorry that I've been an lately.

[B]

I can tell. I can tell you're kind of enjoying this.

[A]

I just miss what we had. And I also got mad that you moved on and I didn't. Last Saturday when name blacked out confirmed it. I was furious that you were happy and I wasn't. That was a selfish thought and I will most likely feel it again probably tomorrow or next week. But honestly, I'm happy for you.

[B]

Hey, can we just stop? Like honestly? Just that. That, that. Dude, that. That's not helping. That's not solving anything. I feel like you're just doing this like for your own. For your own little thing. So that. That. That.

[A]

For my show. Yes. I really only ever wish happiness for you and name blanked. But I haven't been displaying that. That's why after this message I'll be blocking you on everything I can find.

[B]

Uh huh.

[A]

I think she was the one trying to block you. Dude, come on. Listen, I've been here. We've all sent the crazy text. We've all done this. You don't do it at 27. This is a high school early college thing. Because I know I'll reach out again if I see something on your Facebook, Instagram or whatever. I just want you to be happy. I've been a mess of emotions these past two. Two months. Good death man. And you've only seen the worst of me through it. How long were you guys together before that?

[B]

Five months.

[A]

Oh buddy. Five months on two months bad. Rough living. I still love you and always will. But the best thing to do now is to let you be happy. Keep the ring. Throw it away into the lava of Mordor. It's yours to do with as you wish. I really want to become a better person than I am trying. I don't want to repeat any more mistakes in the future. I wish you and Blank a safe and bountiful journey in yalls future. Who is that person? I'm bleeping the name.

[B]

That is her daughter.

[A]

Well, she has a daughter. And it is not yours.

[B]

Not mine.

[A]

Okay.

[B]

You happy?

[A]

I didn't get a screen recording because it's Android. I don't know how to start it.

[B]

Cool.

[A]

So he blocked her. This was Thursday. He said he'd block her, but he didn't, because then the Sunday that came after that. Hey, are y' all at church? I thought I saw that name in the indoor playground. Yeah, she didn't respond to that. Or any of them.

[B]

Yeah, no, I also have the text messages because it's my phone. I know. Can I have my phone back now, please?

[A]

Dude, I mean her. The most recent message she sent to you, I got told of the times you were stalking me without me knowing. So no trust from your part. And there's other shit, too. So you basically played both. What is this? She said, I'd give your shit back. Then we can go back to not knowing each other. Dude, she said you were stalking her. She said not. This was not set up. We didn't know what was happening.

[B]

I mean, we.

[A]

We knew there was something like, We. We knew you that you or Colton knew that you her. And that's, like, a weird thing, but she said you were stalking her, man. That's real. That's up. And again, we've all had the crazy breakup, but not at 27.

[B]

It was my first time actually in a relationship.

[A]

Dude, you got a girl pregnant. You have a child that deep. You were five months in that.

[B]

Honestly, you really want to know the real story behind that?

[A]

Oh, here we go.

[B]

He was an accident.

[A]

Oh, we all are shocked at that information.

[B]

He was an accident.

[A]

Yeah, you busted.

[B]

And here's the thing. And here's the thing. I do not. I would not take back anything that I would do, regard that I still love my son with my entire heart, and I would not take anything back. But it's one of those things, if you really want the honest truth, when it came to the relationship between me and baby mama during that time, she

[A]

said, you're not gonna make me feel bad for wanting to move on when you were quick to run to your ex. Dude, you were together for five months. You will move on. This is like a little painful hole you have right now, but after a couple months, you will move on. Everyone moves on.

[B]

I've already moved on. I've already moved on. I've already moved on. That's why I'm. I'm.

[A]

You've had a crazy breakup in your life, right? No. You've never once, like, had a moment of like, oh, my goodness. Yeah. Brandon has Lindsay. Yeah. We all have Mark. Yeah. We've all acted weird. I have had two. It's a little late in the game, dude.

[B]

I'm trying to. I'm trying to be better from. It's the.

[A]

The situation blew Stalker.

[B]

The situation blew up into such a proportion that it was not supposed to be that bad.

[A]

But you. You and you started this again. Would not be in any of this. Would not be in any of this. The situation. Because you said it wasn't your fault that you're in this situation. That was all you. You stalked her. You stalked her. I have.

[B]

Afterwards. But during that time. It was not my fault that she. It was not my fault. It was not my fault. My fault. She actually found out between me and baby mama because baby mama was the one that told her. That wasn't me.

[A]

I did not stalking her.

[B]

That was after everything. That was after everything. Yes. I'm not saying it was that your

[A]

fault that she found out that you were stalking her.

[B]

It wasn't my. Okay. I'm not. It's okay. It was my fault. Okay, you're okay. You're twisting up my words a little bit.

[A]

I know. I'm just hearing.

[B]

Okay, here's the thing. Here's the thing. For what I did, yes, it was bad, and I'm trying to fix it, but at the very same time, I would not have done it. If you justify stalking, if things did not play out the way that they did.

[A]

What? You can't justify stalking.

[B]

I'm not trying to justify it. No, no, no, no, no.

[A]

You said. You said what?

[B]

I'm not trying to justify it. No, no, no, no, no. Don't, don't, don't. I'm not trying to justify what I'm trying to say. Motives, boss.

[A]

Finding she was cheating. Colton's telling me thought, not confirmed thought. And you're probably just going delusional. And here's the thing. I know you also went to the apartment and says, oh, she can't afford this on her own. Her new apartment, by the way, so she must be with another man.

[B]

That.

[A]

That's all. That is disgusting. Weird.

[B]

That's associated. Leave her alone. She has nothing. She has not given me any other reason to think otherwise.

[A]

What? It doesn't matter. Wait, hold on. Why are you entitled to. No, it doesn't matter.

[B]

Because due to that, her moving into this brand new apartment that we had no idea. We had no idea to talk about leaves me only to assume that she was already talking to someone else before we had broken up.

[A]

How are you gonna move in with someone?

[B]

No, how are you gonna move in with someone?

[A]

Maybe she found someone.

[B]

Huh?

[A]

Maybe she found someone.

[B]

Well, hey, good for her. But at the very same time, within like two weeks, then you guys are gonna move in together. Then you guys are gonna be sharing rent and trust and stuff in the custody.

[A]

You don't know that there's no that there's someone there.

[B]

Everyone's just assuming right now we have no everyone.

[A]

Dude, you sound crazy. You actually sound crazy. Everyone's just assuming. No one's thinking about this. You're obsessing over here. Nobody knows that she's with someone. You don't know she's with someone. You're assuming that. Cuz you showed up to her place like a freak.

[B]

I did not show up to her place. No, no, I sent her. I sent her flowers to the apartment.

[A]

I don't know. She said leave her alone.

[B]

I didn't know her apartment number. I never found out her apartment number.

[A]

Leave her alone, dude.

[B]

Yes.

[A]

Why are you sending her flowers?

[B]

Because she did never sent back the promise ring. She sent me everything.

[A]

Oh, so you sent her flowers? I'm a girl's girl. I'm on her side.

[B]

She sent me everything else. She sent me the hoodie, she sent me all of my old belongings, my. My veterans hoodie. She sent me everything. But she did not send back the promise ring and I don't know why. And I tried asking her about it and she got very defensive about it,

[A]

so that's why I switched offensive about it. She blocked your ass?

[B]

No. Well, I. I blocked her on Facebook and when I actually came to messaging, I don't know if she actually blocked me or not. Well, you don't see that on Android if the actual person blocked you or not. Like you can't see that. But I don't know what she did with that promise. I don't know if she still has it. I don't know if she threw it away.

[A]

All this. So here's the thing. You went through a rough breakup. That's it in the end. Well, other than you being a freak stalker creep man that every woman in this world should be afraid of. But besides all that, that was still your fault. And you're saying that it's not your fault that you got laid off and now you have to drive Uber Eats? Yes, it is. You could have shown up to work and separated life from work. It's impossible to do that fully, but you could have done your job. But you just walked around the parking lot, and that's on you.

[B]

I was still doing my job. While I was on the phone, I was still doing my job. I was.

[A]

You're just walking around, man. It's. Honestly.

[B]

I was walking around, and whenever a customer came out on the line, I would greet them, I would talk to them, and at that point in time, I would then bring them inside. And that's whenever I would talk to another coworker. Be like, hey, they want this car. I brought them in.

[A]

Listen, the fact is, you're not over her. And you shouldn't be taking this out on your baby mama and current kid, because I'm being told you're just now that after that she threw you out. You're like, oh, shit. I don't know what to do now. You ran back to her and you're trying to build a happy family and considering even moving in. Nobody. You're showing up, sending flowers to apartments. You're a freak. I'm sorry. I'm sorry. You're scary. You're a scary individual. Will probably double security for a few weeks because of you. You are you.

[B]

Three months ago. People change, man. People change. I'm being better.

[A]

I'm being better. I agree.

[B]

People change.

[A]

Three months is insane.

[B]

Maybe for you. Not for me.

[A]

For any human being. Three months.

[B]

Change can happen within 24 hours.

[A]

Also, the breakup was three months ago. You were showing up.

[B]

You're making it sound. You're making it stop. Stop. No. Anybody can change within 24 hours.

[A]

No, breakup was three months ago. You were still showing up and sending flowers and searching her up and shit.

[B]

The official breakup was end of December.

[A]

Show me the text.

[B]

Show me the text. Okay. Okay. Official breakup.

[A]

Show me the text.

[B]

We did it in person, so I really don't know if it's actually gonna be on September.

[A]

It might not be, but just show me the text.

[B]

Yeah. All right.

[A]

If I find nothing, I find nothing. That's fine.

[B]

Yeah. Okay. There you go. Okay, Go back to it. You already read most.

[A]

Your Last text was March 1st. This was not three months ago. You have not changed. March just happened.

[B]

March? No.

[A]

Okay. When was March? March was, like, last month.

[B]

That was two months ago.

[A]

It was exactly two months ago today.

[B]

Three months ago. Two months ago.

[A]

I apologize. I said you changed from sending that text message. Doubt, doubt, doubt, doubt, doubt, doubt, doubt, doubt, doubt.

[B]

You just met me today. You don't know how I really am, buddy.

[A]

You're a freak. I've learned more about you in 42 minutes. That every woman should stay away from You.

[B]

Nah, that's your own personal opinion. That's your own personal opinion. You don't know anything else, really, about me. You only know the worst. You don't know how nice of a person I actually. Truly.

[A]

Oh, you're the good guy. Still.

[B]

You don't know how far, like, how I've been actually willing to go when it actually comes to, like, helping people.

[A]

Yeah, I was so nice. I was helping her, making sure I showed up to her apartment that she could afford it. I was so nice by making sure she could afford her new place after she blocked me. Okay. I was so nice by sending her flowers.

[B]

Recent events don't back up what I was saying, but. Okay, if we were to go back. Okay, if we were to go back. I lived in Virginia for a good two years. Give you a prime example. I was off work one day. I was taking my sister's car, and I was actually driving back home, and I saw this homeless man on the side of the street. And I was saying, like, hey, man, everything okay? Everything all good? He was like, yeah, man, I just need some money. I was like, all right, cool. So I hand him a 10, and I was like, hey, do you need anything else? He was like, yeah. Hey, you got any more? It's like, actually, yeah. Yeah. Here, let me run by a ATM real quick. No problem. He's like, all right, cool. Do you mind if I get in with you? It's like, yeah, sure. So he got in the car. He got in the passenger seat. We went over to an ATM. I pulled out $100 for him, and I gave it over to him. But the backside of it, maybe a week ago, I saw he was out there again, and, whoa. Curiosity kind of peaked a little bit. I was getting off work. I saw he was walking towards a parking lot, and I was like, see? What's going on? He got into a car. I couldn't recognize the name, but it was a clean car. It was a nice car. I was like, what the hell? So I. I followed him, and he. He drove home.

[C]

This.

[B]

This homeless man had a home, and I.

[A]

You're weird, man.

[B]

I. I can kind of.

[A]

You're a freak.

[B]

I. I can.

[A]

I. Yeah, you're a freak following people. What is wrong with you? I was curious also. Wow. Yeah. You're such a good guy. Here's the thing. When. When Colton was talking to you, you were so defensive, and you brought up your good guy attitude, but you told him the exact same story. You only have one story of one time. You've done Something decent. Your good guy thing shouldn't be things you can brag about, one big story. It should be just things you're doing throughout your life that nobody knows. This is so weird, man. And then you're following him home. You stalk the homeless man. Maybe he stayed at someone's place tonight. Maybe his family member picked him up. You don't know. You know, maybe he's in a halfway house.

[B]

It was not a halfway house.

[A]

I don't know.

[B]

No, it was. No, it was.

[A]

I don't know, it might be a family member, it might be a friend.

[B]

But that's. That's the thing, you don't know. Everyone is always. It's always an assumption. No one actually knows knows any kind

[A]

of real story until you are assuming.

[B]

No, I'm not.

[A]

You just did. I'm saying maybe it's something else. Maybe it's something else. I'm not assuming nothing. But you were saying. No, he lives in a nice house. Homeless man lives in our house.

[B]

Well, you weren't there. I was.

[A]

Yeah, you stalked the homeless man. That is true. I didn't.

[B]

Well, no, that was the one that saw the house. You just said that. Yes.

[A]

You don't know who owns the house or who he drove with, so you can't say.

[B]

So that.

[A]

Yeah, that's.

[B]

We don't know, so we're assuming.

[A]

All right. Every business is asking the same question right now. How do we actually make AI work for us? The possibilities are endless and guessing is way too risky. Because, yeah, AI sounds great until you're wasting money on tools that don't talk to each other or actually help you make better decisions. And if you're sitting there waiting to figure it out, your competitors are already making their moves. And that is why today's video is sponsored by NetSuite by Oracle. NetSuite is the number one AI Cloud ERP trusted by over 43,000 businesses. It brings everything into one place. Financials, inventory, HR, CRM. One source of truth that connected data is what makes AI actually useful. It automates routine tasks, gives you real insights and helps you make faster decisions with confidence. From software and IT services to healthcare equipment, manufacturing, financial services and many other great American industries, NetSuite delivers a customized solution for your business. If I were running a seven figure business and trying to scale without losing my mind, this is exactly what I'd want in place. If your revenues are at least in the seven figures, get our free business guide demystifying AI at netsuite.com hammer the guide is free to you at netsuite.com hammer netsuite.com hammer all right, back to the podcast. Summer is the perfect time to get your budget in shape. And now that Dollar Wise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time. When you sign up for Dollarwise Annual, you'll get my four course educational bundle as a special bonus so you can get financially ripped while you track your money. And normally this would cost over $700 by the way. But when you claim your summer budget reset discount, you'll only pay $249 for a full year of budgeting and lifetime access to my four bestselling courses. I and you'll also get a free copy of my Budget Friendly Cookbook PDF to download so you can also get your body in shape too. Don't wait until your first vacation to try to get your finances together. Go to Dollarwise.com or click that link in the description below. Okay, what do you think your financial score is? 0 to 10?

[B]

520.

[A]

Oh, you picked something healthy this time.

[B]

Shut up.

[A]

0 to 10? You said 520.

[B]

I thought you asked my actual credit score.

[A]

Credit score is 520.

[B]

0 to 10.

[A]

0 being the worst, 10 being the best.

[B]

2.

[A]

Okay, you're allowed to think for a second before you answer. Okay, listen, if you want your Hammer Financial score, you can get it for free. Caleb hammer.com Just take the assessment. Just takes a few minutes. See where you stand in the world of money. Where you're doing poorly, where you're doing great, what you need to do to improve. Check it out. It is free. Caleb hammer.com and if you don't want to be like a guest who ends up on this show, make sure you download the Dollar Wise budgeting app to with tens of thousands of monthly active users for a reason. They are changing their lives with those automatic account connections. Seeing what they need to do to improve it gives you that advice and it helps you. So check it out. Take the free trial. Most people sign up for the annual version because it actually saves a lot of money. And then you get my 30 day meal plan detailed with every snack, every drink, every meal for the month so you can have tasty meals and snacks and everything throughout that month that you're meal prepping. And you get the digital version of the cookbook as well. So check this out. I'll sign this and mail it directly to you. Here you go. Use that. You use that for your eventual shelter when you're homeless,

[B]

like ramen and chicken breasts or something?

[A]

Well, no, there's a stew, there's meatballs. There's a lot of things. Calm down, it'll be fine.

[B]

Protein balls.

[A]

Protein balls. Protein's good. Keeps you full. Yep, that's pizza. This is what we call food.

[B]

Shut up.

[A]

Okay, a score is zero to ten. How much of are you?

[B]

Zero.

[A]

Okay, Doubt it. If you want your score. No, we're not doing that. Who wants your stalker score? Go to calebhammer.com forward/stalker. Figure out how much of a stalker you are. You should probably take that score and do some self assessment later on. But so far I'm thinking it's at least an eight and a half out of ten.

[B]

I would say zero.

[A]

So what's this installment loan agreement? How much did you borrow to follow her around?

[B]

Which one? What's the amount?

[A]

Can you stop with your deep like every five seconds? Like buddy, you are not thinking hard enough for those noises.

[B]

What's the installment? L. What's the amount it is?

[A]

You borrowed 1,970 but you'll pay back a total of 5,923. Cuz it's a 100% interest rate, net credit. What are you doing? Here's the thing. Listen man, this doesn't make any sense. I don't even understand why you did that. Because personal loans and shit like that can be really good. Obviously not as a tool for you unless you change your financial situation. But on calebhammer.com we also have those services when people want to get good interest rate personal loans that they can qualify for for like that $2,000. People can go to califammer.com, get a decent interest rate personal loan. Because personal loans can be good. They can be used if you change your behavior, a lot of things like that. But you financed it 100%. What the is wrong with you? What did you do here?

[B]

So, little freak. So two things. The story behind that is actually. Oh, story, story behind. That's kind of interesting. But the second thing is that's not really the highest APR that I got going on right now.

[A]

Oh yeah, that doesn't surprise me. Unfortunately with you. Okay, I've strapped in. Give me the story. That certainly won't answer any questions I have and I'll have to interrupt.

[B]

So I pulled out the loan because a close friend of mine.

[A]

Have you considered pulling out instead of making children? Because you certainly can't afford that payday loan guy. Okay, I had to get one interrupt then continue.

[B]

A close friend of mine, she recently Got into a dispute with her significant other. I won't say any names or anything. Not my business. But I had to pull out a loan to help her pay for attorney fees. She wasn't able to pull out on her own because she doesn't work. She has no credible income.

[A]

So 100% interest rate, payday loan. I'm pretty sure they'd still let her

[B]

borrow though that one. I wasn't 100 sure. We talked about 100 interest. We. We talked about co signing, but I was just like, you know what? It's easier if I just do it by myself. So I gave her 1500 and I kept 450.

[A]

Why'd you take. Why'd you take up more than you needed? Why did you need to take some for yourself? It's still at 100 interest rate that 400 is gonna get.

[B]

Well, no, that was for me. She needed.

[A]

I know. I know that. Why'd you need that? She.

[B]

I got. I pulled it out. I pulled it out for her.

[A]

I know that. I'm saying the 400 for you, asshole.

[B]

Yeah, it was for daycare for that month.

[A]

What? So you can find another?

[B]

No. For his daycare that month.

[A]

I know you could find another.

[B]

No, you're not.

[A]

This one.

[B]

No. It was $95. It was $95 a week.

[A]

She's not cute enough for you this time.

[B]

Me and baby mama. Baby mama split his daycare every Friday. And I gave my.

[A]

She feels comfortable splitting your future.

[B]

I gave my friend.

[A]

Easy, man. I'm sorry.

[B]

I gave my friend fifteen hundred dollars for attorney fees and for her to renew her registration.

[A]

We got that. Yeah, I'm talking about your part, which, by the way, was insane. Like, I understand. I like the giving spirit. For what it's worth, I'd want to help a friend out too. But you're borrowing it. 100. Are you sure you're the person to help? That doesn't make any sense. Why didn't you go borrow something that wasn't 100%? Let's call it 30, which isn't even good.

[B]

But I needed something that same day.

[A]

Yeah, you can get funded like that anywhere.

[B]

I was unaware of it.

[A]

What do you mean? Just look up loan.

[B]

I. I didn't really put much thought into. Or you could have put it on

[A]

a credit card at a 30% interest rate for 1500 bucks.

[B]

Oh, oh, a brand new credit card. Oh, I would not have gotten approved.

[A]

Okay, probably not. Well, credit one probably would have approved you for 3, $500. Not even saying. Doing that. I'm just saying there's alternatives. And you chose a literal payday loan.

[B]

Oh, no, Me.

[A]

Which is crazy.

[B]

Me and credit one already have a bad history.

[A]

Okay, well, there are more. You can go even further down the predatory rabbit hole. Not that I'm advocating for it, but again, like, Even just Caleb hammer.com, you would have got a personal loan. Probably. But, like, what the are we doing here, man? I just. I don't understand. I don't understand. Okay, so does she owe you back for this or is it a gift?

[B]

No, she owes me back for it.

[A]

Okay, well, what's your minimum payment on this?

[B]

$88 every two weeks. Okay,

[A]

so 176amonth?

[B]

Yes.

[A]

With. I don't know what the balance is at today, but it's going to balloon to 5,223 by the end. How many payments is it? That's all this is. Done.

[B]

Couldn't tell you.

[A]

Well, okay. When did you take this out?

[B]

February, bro.

[A]

Okay, so you're still obsessing over the freak, so your mind wasn't in a good spot. Okay, if you just. I'm gonna assume it's like 2500 at this point. It's only going up right now. Okay, so she's supposed to be paying you very good. You're doing 176amonth for. You're on your third month now. Is she paying?

[B]

She's only paid once.

[A]

Okay, so maybe she's not the best person to loan to. Almost like no one would loan to her for a reason. Then you loan to her at a loan you're getting for 100%. What do you you doing? She paid you once. What. How much? When?

[B]

$44.

[A]

Okay,

[B]

we. We.

[A]

It's not even a third. Not even a third of a month.

[B]

We agreed that we would split the payment every two weeks.

[A]

Split? You're not. Okay, so she paid once every two. So you've had one, two, three, four, five, six. You've had six of the. Every two weeks. You've had six of the. Every two weeks. And she's paid one. One out of six. What the is wrong with her?

[B]

She doesn't work.

[A]

No shit. So why the did you get.

[B]

She tries to work. She does.

[A]

Don't give a loan to someone that doesn't work. There's a reason she wasn't being qualified for all these. She.

[B]

She delivers as well on her own time. But she also has her own bills and her own fees that she has to prioritize first before. Why that one? I haven't really? Talked to her much about?

[A]

I see the text messages between her.

[B]

Half this episode is just you going over my Texas.

[A]

Yeah. Getting context. Yes, it is. Absolutely. It's important to get context so you can make a informed opinion on something. Okay. I only have 20 to my name at the moment. This is her most recent thing. I'm barely making payments on time right now. I've had to take on more bills and business. And business. It's still bad. What business?

[B]

She. Her delivering.

[A]

Okay, that doesn't make any sense. She delivers the same as you. You got 40 hours last week.

[B]

Her vehicle's not as reliable and she has anxiety while she drives.

[A]

Okay, if she has anxiety while driving, her job shouldn't be driving.

[B]

Like is she.

[A]

She's obvious. Have you ever stuck it in her?

[B]

No.

[A]

Are you trying to?

[B]

I. I previously did have feelings for her.

[A]

This is why you're willing to do all this?

[B]

This is insane, but I was gonna

[A]

say a hundred percent.

[B]

Those feelings have dropped.

[A]

100% interest rate for a girl usually doesn't come out of nowhere. I'm thinking I'll have to lump sub pay you. Good luck. My attorney fees end in August. Oh my gosh. Okay. My bill's auto draft. No shit. So I don't have anything available. That doesn't change anything. What do you mean? You said sorry I freaked you out yesterday. I thought it was funny. And then she never responded to that. What the did you do? You are a freak. You're scaring women. What did you do?

[B]

I was delivering to her apartment and I recognized her car with her hazard lights on outside her significant other's house. So I just texted her and being like, hey, Lol, you left your headlights on. Just trying to make a joke about.

[A]

Everyone in this town know that you're an obsessive freak.

[B]

It was just coincidence at that point in time. Man, that's. That was not stalking.

[A]

Is she cute?

[B]

What are you doing calling her?

[A]

Is she cute?

[B]

Why?

[A]

To talk to her. Really? At the volume.

[C]

Hello?

[A]

Hello? How you doing?

[C]

Who's this?

[A]

Hi, my name is Caleb Hammer. You are currently on financial audit. A million people are tuning in at this exact moment. Just so you know, I have a friend here. I'm calling him Liam. And you are anonymous. Trust me, no one knows who you are. Your name has been bleeped. But his name is what? We're calling him Liam today. You owe him a lot of money. Why are you not paying him a lot of money that you owe him?

[C]

Why am I not paying him? Yes, he actually already knows all these different things and we actually had a few different discussions that I'm pretty sure he might not have told you about.

[A]

But yeah, you can tell me your perspective. I. I'm on your side here, girl. I'm a girl's girl. Let's go.

[C]

As far as everything goes, I told him I was going to be able to pay him after because I have other financial obligations for a while. We have been going back and forth through text and prior to that I was actually trying to talk to him about maybe sitting, setting up chapter seven and some things because I saw 15 and I don't have the finances to pay him until I get some bills knocked out of the way.

[A]

You owe him literally only $42 every two weeks. I know you don't do well, but $42 every week for a friend who borrowed a massive loan at 100% interest for you. I think it is kind of disgusting and unfair that you're not willing to give them $42 every week. I. Every two weeks. I know for a fact. I know for a fact just by looking at documents and everything. There is no way you didn't spend 84 last month on personal fun.

[B]

It's one of those things. I know. We've already had a discussion regarding that. We've already had discussions.

[A]

Did you spend $84 last month on any food fun like going out to eat or doing anything? Will you send me your statements to prove it?

[C]

I can actually open up my bank account right now. But can we.

[A]

Credit cards?

[C]

I don't have credit cards anymore. I have the. All of those canceled out and closed.

[A]

Why aren't you making much money?

[C]

I'm still searching for a job. I've been putting in applications and I mean I've been doing. Try or trying to do delivery work. But how do you try. That's a gig work. You don't get guaranteed earnings on that kind of.

[A]

But he did 40 hours last week. You could do at least 30.

[B]

Dude, come on.

[C]

Thankfully, I don't think you know what my. What's going on in my life.

[B]

Yeah, but I can show you.

[C]

Or I can't say for a fact that in the past month what I've spent is on my. My big bill, 500. Then there's Optimum. More optimum, which is phone stuff. Spent a little bit to get some groceries. And that's actually last month. So between all of that, what is that?

[A]

A thousand bucks? Maybe a thousand bucks total. Maybe a thousand two hundred if you're driving 30 hours. UberEats making the amount of money he's making. Just about four hours you should be making.

[C]

Okay, I don't, I don't do Uber eats. And it's. Yeah, that's. That, that's the different thing. It's a different delivery job, but you

[A]

could make more money. How many hours are you working?

[C]

Well, that, again, average. That I can actually get because it's dependent on the gig work when I

[A]

do Uber, only based off of.

[C]

Well, it won't let me. There are certain jobs that, like, you get on a wait list. So I've been trying to do, like, user testing. I've applied to jobs. I haven't heard anything back for a lot of different applications. I've. I don't know what to tell you, man. Like, I've been trying to have this conversation with him before, and a while back, I asked him about what he thought on these different options for trying to figure out finances. I think that was back in like, February. And he never responded to me on that. And then he comes back and he asks if I have some money for him on like a random day. And I told him that I don't have anything right now. Try again later. And then when he did contact me, I had literally just paid the 500 that I owe and I only had 20 left in my account. So I sent him $20. And then I told him, I'm not sure I'm going to be able to pay you because like I said, I've been doing gig work. It's not something that's consistent. I can't consistently lay out what I'm going to make.

[A]

So the thing is, he borrowed at 100% interest this debt for you, and he told our producer for the show that he feels, quote, taken advantage of here. Listen, I'm willing to be on your side.

[C]

The thing is, I have, I have text messages to, like, I could send you.

[A]

I read the text. I read the text. I'm willing to take your side if you are willing to text him a screenshot of Your last, last 30 days of your checking account so we can see proof that you are prioritizing life over.

[C]

So I don't have the ability to screenshot my bank account, say, hey, that's one of their policies, that they don't

[A]

download a statement and send it to him. What checking account is it?

[C]

I'm sorry, you're breaking up.

[A]

Well, what checking account is it?

[C]

It's a US Checking account, USA checking account in the.

[A]

Can you download the statement and send

[C]

it to him today?

[A]

Can you Download the statement and give it to him.

[C]

I haven't spent any money on.

[A]

Can you show us? Can you prove it?

[C]

Yeah, I can prove it. I'm just saying. Or I'm just asking, like, just so I'm proving that I haven't spent any money on anything fun, right?

[A]

Yes. Just send us your checking account. We'll. We'll black out anything personal. Like you will never be documented doxed. You can look up the show and, and see that no one's ever been doxxed. But listen, just send us your most recent statement. I mean, he's having hard trust issues and I am too, and I want to be on your side, but this man took out a thousand percent interest payday loan and for 40, $42 every two weeks. That's not the, you know, most.

[C]

Did he tell you that it wasn't just for me?

[A]

Yeah, he said I think 400 aside for him.

[C]

Yeah, yeah, it wasn't just 400. That was a set aside for him.

[A]

But okay, I'm looking it up.

[C]

And he said he pulled out nearly 2,000. That's what's supposed to be 800. That went back towards him.

[A]

Okay, well, hold on. He did not say.

[B]

No, he said 400 towards me.

[C]

Oh, no, because it was supposed to be about 2. Almost 2000 that he pulled out from that loan. Yeah, it was 2000 is what he said. Yeah, almost 2000. And then he gave me 12 of that. And so 2000 minus 1200.

[A]

Well, he's been lying to.

[B]

Whoa, whoa, whoa, whoa. That was not 12. I have bank statements and the Zelli transaction of me sending over a thousand and then a second transaction sending over. I believe it was 300. And then after that it was another 200.

[C]

It was 200.

[B]

Yeah. So I remember actually sending over a full 1500 because it was for your tires and then for your registration and then the insurance.

[C]

No, you didn't give me money for my registration and insurance. I had. I know that there was the thousand and there was the 200 because one. One was.

[A]

You had two losers right now that

[C]

it lets you send. And then you sent the other 200 for the tire. And then we were talking, we were talking about the insurance and the, the registration and I was telling you that I had to be working on that. But then I had a lot of medical things and other stuff that I had to pay for.

[A]

Do you have an Android or iPhone?

[C]

Okay, I have a Android.

[A]

Okay, you're right. It would block screenshots. Can you just download the statement and send it to us.

[C]

Let me try to figure that out.

[A]

It's literally just in the statements thing. You should be able to pull that up. It's super easy.

[C]

I'm sorry. My anxiety is just really high and I'm really, really, really shaking. I have this thing called PNEs, which can cause me to have stress release related seizures.

[A]

Okay, well. Okay, yeah.

[C]

So just give me a second. I'm. I'm. My brain is blanking on it, so I'm just searching through.

[A]

I'll hang up so you can just send it to us. Take a few deep breaths. Calm down. I don't want you to get hurt.

[C]

I don't. I don't want to have anything get messed up for you guys because I. I don't. I don't know if I'll. I'll follow through with sending it to you if you. If you hang up because of.

[A]

Fair enough. Then I'm gonna. I'm gonna hand you over to my producer then who's gonna step out of the room and get you to text him the number. Okay,

[C]

so I'm texting it to. To who?

[A]

To. To your friend. You. I have lie a lot.

[B]

I have my Samsung notes on my front page. That shows that. That shows the exact amount that you wrote down. Yes, that's what.

[A]

That's what you wrote down. You writing down something's not proof.

[B]

It's not proof. It isn't. But I also have bank statements showing that transaction and that transfer from my account. Yes.

[A]

This is an insane personal loan to take out for someone that doesn't have a job and someone who can't drive because of their anxiety. And their job is driving. What's her gig?

[B]

Work Instacart.

[A]

That was a good phone call to make. We should have made that. I'm glad we did. You see how much bullshit is going on in your life, even regarding you or not.

[B]

I just know the aftermath of it all is just gonna just come crashing down.

[A]

Well, what's the aftermath? She either admits, grows up or doesn't pay and you cut her off. That's good. Don't have losers in your life that abuse you.

[B]

What?

[A]

The ex that you don't talk to is not gonna talk to you even more. You're right. Okay. That's not a bad thing, man. What's the bad thing? And also, why didn't you tell us not to do this if you didn't want to do it anyway?

[B]

I didn't have the balls to do it myself, I guess.

[A]

Do what? Confront her. Yeah, you should have.

[B]

If I were, to be honest.

[A]

Yeah, yeah, I know. You're. All your balls do is just put babies in other women we know. Oh, you got a speedy cash loan. Let me guess, another payday loan? Certainly sounds like it. 346% interest rate. What the is wrong with you? What did you borrow this for? Possibly. Possibly. So in the month of February, you had to take this payday loan out for rent, and then yet you still took out this previous payday loan for her. In what world does that make sense, my friend? Well, it's Conroe ain't an expensive city anyway.

[B]

It's not an expensive city, but the place, the house that we are in, it's a bit outside of our budget.

[A]

It's grown a cheaper place, guy.

[B]

We plan on it. We plan on it.

[A]

Who's we? What are you talking about, we?

[B]

Me and baby mama are slowly trying to work things together and we have to.

[A]

Does it make sense? You going back to her as a backup option is not gonna be fair to her and the kid. In the end, it's not.

[B]

That's why we're trying our best to work through our problems.

[A]

Two months ago to this day, you sent that other girl that you're obsessed with and showing up to replace method messages.

[B]

I didn't show up to her place. I sent her flowers.

[A]

You went to her place to figure out she you. And then you said, oh, she can't afford this. She must be with another guy.

[B]

Yes, that was me assuming. Yes.

[A]

Yes, there you go. You did. I didn't say you showed up for the flowers. I know you sent those separately, but you showed up. Stop breathing so heavily.

[B]

Trying to, trying to. It's just a lot. Just a lot.

[A]

Oh, we've barely started, unfortunately.

[B]

Oh, and a little side note, that payday loan, that principal hasn't changed since I got it out.

[A]

Yes, it's at a 346 interest rate. What is your monthly payment on the 750 payday loan of rent? Stupidity. Dumbassery.

[B]

It's not a monthly payment.

[A]

Median rent. It's actually a little more than I thought. But you can get a one bedroom for 1195. What's your portion of rent right now?

[B]

$1,110.

[A]

Okay, yeah, go get us. Go get yourself a studio, man.

[B]

Plan on it. But like I was saying, if you

[A]

have a plan, that's great. I love hearing you have a plan. So tell me the details of this plan.

[B]

Whenever we actually leave this current.

[A]

That's not a plan. You don't have a Timeline?

[B]

No, because we're waiting.

[A]

You're not planning on a ton.

[B]

This loan that I'm trying to get to, it's not a weekly payment. This loan is a bit different. They have two different type ones. The very first one is a weekly payment. One where you pay a small portion of the principal plus interest and everything else else and then the principal goes down.

[A]

Just what's your payment?

[B]

Well, that's. The payment is 750. That's the thing. 100, $163 is taken out of my account every Monday. If I can't pay it,

[A]

man, if I had no morals, ooh. The amount of money that could be made. We have like good personal loans that we help connect people with on the website, good credit cards that we help people connect with on the website. And more services coming soon because we want to help people. People. This just kills people. But man, it helps the business owner. Let me tell you. That's a crazy shit. So until you can pay the full thing in full, it hits you with 150 bucks every Monday. If you want to land a high paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, H Vac, supply chain and many others that can be done remotely. And the coolest part about course creators is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. That's kind of stupid, I'll be honest. But. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash Right now, when you sign up for 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. And the principal doesn't go down.

[B]

Principal does not go down.

[A]

Oh, baby.

[B]

Do you mind if I use restroom quick.

[A]

Do you have to?

[B]

I've been holding it for the past 30 minutes.

[A]

All right. Go pee, girl. Oh, they're already taking your deep breaths, I see. That's good.

[B]

I feel much better though.

[A]

Good, I'm glad.

[B]

Nice to come back to this immediately.

[A]

The show that you drove here for. Yeah, yeah. Okay, so it's like a 600 bucks a month with the principal doesn't go to like. I don't know. I don't even know how to incorporate that into your minimum monthly. So we'll figure that out by the end. Okay. This is on your credit. So what is this J.P. morgan card? It's closed. But is it in Collections Pro? Probably not if it says JP Morgan. So it must be and. Okay, pull it up. No, you can't. You don't have your phone. Fair enough. Okay, so tell me what's going on with this J.P. morgan card.

[B]

I have. I have not paid it in the past, I believe, nine months.

[A]

Oh, well, good thing we're taking out payday loans for our friends that can't pay it back and don't have jobs. What the is wrong with you? Why aren't you paying a minimum to pay? What was the minimum? Like 25 bucks. 25 bucks? It was like 25 bucks.

[B]

350.

[A]

No, not before you started missing payments. It was not.

[B]

No, whenever I maxed out the card at 7,000, the minimum payment was 350.

[A]

Okay, yeah, maybe so. What the dude? Well, you got it down to 2,000, 645.

[B]

Oh, the Amazon card, that's 86. I thought you were talking about the other card. I apologize.

[A]

No, the Amazon. How did you. This.

[B]

I don't remember.

[A]

Well, what's the status of it now? I know it's closed, but it's not in collections yet. So you can still make your minimum payments. You just can't purchase on it.

[B]

Oh, I could, absolutely. I just.

[A]

No, you can't. It's closed.

[B]

But I could make the minimum monthly payment.

[A]

Why don't you.

[B]

I choose not to. I have to pay.

[A]

Why do you choose not to? Choose, choice, choose.

[B]

Because I have to prioritize. Utilities.

[A]

I have to prioritize utilities. Spent 200 hours going out to eat last month. And this minimum payment, like 84 bucks. Shut the up. Subscriptions alone was 175. Subscriptions alone, 175. It's double the minimum payment for this. Choose. Choose. Yay. You're right.

[B]

Subscriptions. That sounds like at&t. That sounds like my phone bill.

[A]

Potentially, we'll see. But 143 also in miscellaneous bullshit. Either stopping a gas station vending machine. Who even the knows. So your bullshit alone was. And then other large purchases was thousands. We don't know what those are yet. I don't know what those are yet. We will go through them. But at a minimum, we know the bull purchases were like 500 bucks. You're telling me choose. Yeah. You chose. You chose bullshit over paying minimum. So you just want your credit score to go below 4, 500. Because it will. What's your plan here? What's your plan here? You plan, Your planner. What's your plan?

[B]

I planned on accumulating everything into one big loan through JG Wentworth once I actually had a sustainable job.

[A]

Make 700 cash now. Oh, why, why, why, why? Why though? Why not just make your minimum payment? Why are you yourself.

[B]

I have no money. You do.

[A]

You spent 500 on bullshit minimum last month. You could have made an $85 minimum payment. What is it? 85. I'm still putting that on your minimums. You're paying that. That being a baby.

[B]

But I still owe people a whole lot of money. I. I can't sit there and prioritize.

[A]

But you prioritize $500 on bullshit. You can't use that excuse when you spent money on bullshit. It doesn't work if you spent zero on bullshit. And you said I have to pay other. But no, you spent money on bullshit. It doesn't work anymore.

[B]

It is something that I do need to change. You are absolutely correct. It's stuff like this just happens. Honestly, it just happens. I'm trying my best to get out of Just happens. Like, dude, what does that even mean?

[A]

It just happens. You did it.

[B]

Yes, yes. But it snowballed into such this effect that.

[A]

Yeah, but you can still just make your minimums. That's all I'm saying.

[B]

But it still wouldn't even like, begin to even make a dent.

[A]

Doesn't matter.

[B]

Well, no, it does matter because that

[A]

85 absolutely doesn't matter in that context, because that 85 right now what's happening is you are getting missed payments on your credit report, which Is you.

[B]

Yeah, it is. Absolutely.

[A]

So who knows if you qualify for Wentworth?

[B]

That 85 that I spent towards that credit card is 85 that I basically made in that one to two days. Maybe one day. If it was a bad day.

[A]

It's actually $500 you spent on both that month. So. So what the are you talking about? And also your friend. They're still talking.

[B]

Yes.

[A]

Why would you possibly give that person money? She's irresponsible. She makes excuses for everything. No way. She can't pay 80 bucks a month. I refuse to believe it. I refuse to believe it. And if she doesn't send a statement, it's a pathetic thing that's happening.

[B]

That's when I try to get.

[A]

You got it. We have it. It. It's official. It's on the phone. Get back to this. But. Huh. It's on there. I don't know how to get back to it. Get you your text, my friend. Get to your text. Let's see. Did she deliver? Let's find out.

[B]

You swipe from left to right.

[A]

Okay, well, I get that.

[B]

I just tried to give her the benefit of the doubt. I tried to understand her situation. She was in. She's still in a baby. That's her. That's her boyfriend that she got into the dispute with.

[A]

Okay, let's see. Okay, yes, she can work more than this. There's no way. She only brought in 500 hours last month. She's choosing not to at that point. At that point, she's choosing not to.

[B]

I'm trying to give her the benefit of maybe something came up or I'm just trying to sit there and be like, hey, stuff happens, stuff happens.

[A]

But she's choosing Spotify over you. I'm not saying she can't do Spotify, but she is choosing Spotify over you. Right there. $6 charge. She can listen to ads on YouTube. It's annoying. It sucks. I get it. It doesn't matter. She is choosing that over paying you. It's as flat as that. Let's see. Okay. She zelled someone, not you, 160 bucks. She chose that person over you.

[B]

That made her ex that.

[A]

It's her ex.

[B]

Well, no, no, no, no, no.

[A]

The.

[B]

The name that you said previously, that is her current situation.

[A]

Okay. Why'd she send him $386 there, $160 there? She's doing that instead of paying you.

[B]

It may have been a portion for rent. I don't know.

[A]

Now, for what it's worth, you're right. Other than Spotify, There isn't a lot of bullshit here. But the fact that she's only making 500. She could make more in the fact if she's too anxious to drive, she needs another job. Call center. Call center? She can work at a call center today. I'm not saying that's a great job, but she can do that. Make more money and pay you back. She's being selfish.

[B]

I don't look at it that way.

[A]

Of course you don't. Because you want to her. Because you're a weirdo though. Let me see what she looks like. No, show me what she looks like. Show me what she looks like. I'll see if this is worth the simping.

[B]

It's not simping. It's that profile right there in the black and white.

[A]

I'm sorry if the pictures Instagram or something, dude.

[B]

Yeah, no, it won't load. I think it's the wifi.

[A]

Instagram won't load.

[B]

I don't know.

[A]

You're not on WI fi. Wi fi is down. Ah, it's a storm. That sucks. Well, I'm on cellular.

[B]

Yeah, I don't know why it won't load, but.

[A]

Well, because WI fi is down.

[B]

Well, yeah, but profile won't load. Can you not see that she's potentially attractive?

[A]

I don't know about simp worthy. Try to pull her up on Instagram. I turned off Wi Fi. Why do you owe your sister 4,000 hours? Possibly. Why?

[B]

Oh, 4,000 possibly. Why?

[A]

That's insane. Wrong with you? Do you stalk your scissor too?

[B]

No, I haven't paid my utilities for the home for almost a year to a year and a half.

[A]

Yeah, you spend $500 last month on bullshit. At a minimum. What is wrong with you? What is wrong with you? What's your monthly utility payment? This is pathetic. Your sister must hate you all around.

[B]

I would say monthly utility payment from my share. I know I pay water. That's already 140electric.

[A]

What does your sister think of you? You're pathetic.

[B]

My sister does try to have my back when it comes to.

[A]

She's enabling. If you're not paying your utilities and you're having fun instead, that's having your back. No, that's pathetic.

[B]

She's family. She's family.

[A]

Yes, and family enables more than any other. I'm just gonna be man. Man to man. Man to man. The life you're living is pathetic, okay? I'm drop dropping, you know, going crazy, you know, with the show and everything. Your life is pathetic. The way you stalk women at 27. The way you treat women. You're taking out payday loans at 100% to percent 60 for women. You not paying your sister. You spending on bullshit instead of paying people back that you should. It's pathetic. You're living a pathetic life at 27. And you shouldn't be. You pacing around in the parking lot not being able to do your job because you're going through a breakup is pathetic. A breakup of five months. As a guy, you are pathetic right now. You don't have to be. But you need to grow up. You need to man up. You need to start acting your age. It's not a guy thing either. I'm just man to man age. This is pathetic. You're living a pathetic life. You need to wake the up. You have a minimum monthly payment to your sister.

[B]

I do not.

[A]

Why do I have owed to X 1200. Okay, which X? The one you're stalking or the one you're trying to get with as a last resort?

[B]

That is my son's mom. I.

[A]

Last resort. Okay.

[B]

I claimed our son on my tax return return.

[A]

Okay.

[B]

Did she? No.

[A]

Okay, so you both didn't try to.

[B]

Okay, so no.

[A]

So you owe her half the child tax credit.

[B]

No, I claimed him last year on the 2024 taxes and I claimed him again this year on 2025. Even though.

[A]

Did she say that was okay?

[B]

No, we agreed that she would be claiming him.

[A]

So every other year you split?

[B]

Yes.

[A]

Did you do this behind your back?

[B]

Yes.

[A]

Buddy, what is just wrong with you? I don't know. What is wrong with you?

[B]

I needed.

[A]

Why do you do this?

[B]

I needed the rent money.

[A]

She needed money too.

[B]

She barely has any bills. All that she has going on right now doesn't matter.

[A]

It's her child tax credit as well.

[B]

I know. And that's why I owe her that. I plan on paying her back. I just.

[A]

Oh, no.

[B]

Yes.

[A]

This is pathetic the way you are living your life behind your baby mama's back. Show me your baby mama. Let me see what she looks like.

[B]

I feel like half this. Half this thing is just you looking at pictures.

[A]

It really is. Because your entire endless thing is just phone shit, man. Phone shit. The same ex he technically just stole money from. Is that the tax return or did he steal more? Did he steal more? Okay. Oh, thank goodness he didn't steal more. And she's kind of attracted to like you. You can be a good looking guy when you're not making facial expressions or talking or doing anything. So I understand how you're kind of getting Some of the attractive people. That's the least attractive of them, unfortunately, is the one you had a kid with. But that was.

[B]

I believe that was a bit much, though. What? She's not ugly.

[A]

She is very gorgeous to me. No, but she's the least attractive out of all three.

[B]

Well, a personal opinion.

[A]

Yes, that's why I said it.

[B]

Can I see a picture of your wife?

[A]

Nope. Girlfriend, but no.

[B]

Oh, wait, you're not married?

[A]

No.

[B]

Oh, I thought you were.

[A]

It's an aura ring on the middle finger.

[B]

That's an aura ring.

[A]

Oh, we're not going into that.

[B]

All right.

[A]

Oh, you owe your friends money, too. I'm glad you're using and abusing them while we're at it. Why not? For the ax. By the way, do you have a payment plan of this 1,200?

[B]

No.

[A]

No. I'll just pay back what I can. I promise, I promise, I promise. Babe, babe. I'm not getting with you as a last resort because the other woman I actually love more than you hates me because I stalked her and I'm a fucking crazy mother. Yes.

[B]

Not true.

[A]

Yes, we saw the text. Yes.

[B]

Yeah, okay, that was true before. Currently not true.

[A]

Two months ago. So, at this exact date, your friends. Who'd you stalk this time?

[B]

Not stalk. Two of my friends. I've been very, very close with them. I asked them for rent money. I believe it was sometime last year. They were very, very gracious for it.

[A]

No wonder she didn't stick with you. Why would you want to be with someone who can't manage their own shit?

[B]

I did pay them back a fifth of it. I paid them $250 at one point, but I had to take out another 200 because they were about to cut our electric out.

[A]

You're calling your friends out?

[B]

I had to ask for an additional $200.

[A]

For what?

[B]

Because they are about to turn our electricity off.

[A]

I'll get you a course. Career certification. Listen, a lot of people in the audience have used those and converted them into either pay raises or six figure jobs at another job. I will get you that. I will get you that. I'll get you. I'll get you on the mine card as well. Just listen. You got to get another job. So we got to boost your qualifications. If you're. If you're struggling. I bet your job applications are. And you don't know how to do a resume.

[B]

But I actually do have a resume. I do have a resume.

[A]

I bet you don't know how to do it is what I said. I'll look at it in the post show, it's probably shit.

[B]

It's actually pretty good.

[A]

Depends what you're applying for. People don't know how to curate resumes is the issue. And if you're not getting any hits at all, go work at McDonald's. You'll make more money.

[B]

But no, the resume is supposed to stay the same. It's supposed to.

[A]

No, it's not. You gotta curate for the job you're going for. It's a game. You're competing with other people.

[B]

You're supposed to change your resume every single time you apply for a brand

[A]

new job, depending the sector you're in. Yes. Focus on the skills and qualities that apply to that sector more. Don't make it look like you're just taking that job as a temporary job and you're going to immediately move on when you get something that curates to your resume. Yes. You have to play the game. We'll talk about it on the post show because I have to talk about this. Behind car payment. Truck.

[B]

Truck, yes.

[A]

Oh, you. Why do you need a truck? You were in car sales and before that you were in phone sales. What are you getting? A. A Ford F1 54. You're a, you're Dick small. You don't need a truck to compensate.

[B]

I actually got that truck five years ago at a very, very, very good deal and I'm trying to hold on to it the best I possibly can.

[A]

Well, you do have a $2,000 equity position and if for what it's worth, why do you need to hold on to it?

[B]

Because it's a 1.9% interest rate.

[A]

Okay. Yeah, but it's a minimum depayment you obviously can't afford because you're behind by a month.

[B]

Yes.

[A]

Which probably two now by the way. But, but $369.16. On a normal monthly basis you owe $9,494.99. But of course you're behind cuz you can't pay a single bill to save your life. Even though, wait, it's about to be repossessed for a second time.

[B]

If I do not make the payment by the end of next month. Yes. The vehicle will be repossessed again. It was repossessed once time. Yes.

[A]

So you got it back.

[B]

Yes. So here's Bro, your life is a

[A]

mess and it doesn't need to be.

[B]

Here's what happened. I was under the impression originally that my car payment was on auto draft and I didn't even glance at my bank for the longest time, I had a lot of stuff going on.

[A]

I can't even remember is connected to $W. It's automatic. And it'll just tell you.

[B]

Well, no, no, there was no notification on my phone. I doesn't matter.

[A]

It's automated. It would tell you. Go on.

[B]

I was never told. The whole thing was a very big surprise to me. And whenever they actually came to tow the truck, I was. I was just wondering why, like what was happening. And I finally looked at my bank during that time and I noticed that I had $1,500 in my bank account that wasn't going towards my truck. And so I used that same amount, got my truck. The very.

[A]

And what about this time? This time you're just not paying.

[B]

This time I'm just not paying. I don't have a reliable job. And I actually wanted to ask you the whole other reason why.

[A]

Because your mindset on resumes are completely wrong.

[B]

Well, I actually wanted to ask you. The second reason why I actually came over here was I love the show that you guys do. And I was actually wondering if you

[A]

guys were hiring one that you're like freaking out about this whole time.

[B]

Yes.

[A]

Hiring. Yes, we're hiring a lot of people. People.

[B]

Really? Okay. Would you mind if I send in my resume?

[A]

What job are you applying for?

[B]

What are you hiring for?

[A]

Okay, that's not how this works. That immediately just disqualified you for every job.

[B]

Well, I don't know what you guys are hiring for. That's why I was asking.

[A]

Disqualified you for every job. Just hire me for anything. What? That's how it. Why would I pick you over someone who's better qualified for those actual positions?

[B]

Well, you don't know when you qualifications, buddy.

[A]

But you didn't apply. You said hire me for anything. That's not how this works. That immediately makes you worse than every applicant.

[B]

But that's why I was asking you. What are y' all hiring for?

[A]

So pathetic.

[B]

What are y' all hiring for?

[A]

Maybe if you wanted a job, you should know.

[B]

Well, yeah, no, you are absolutely right. But I thought about it while I was driving over here that I didn't

[A]

look on your phone.

[B]

Oh, can I?

[A]

No, I'm saying you should have looked in your phone before you came in here. Affiliate marketing manager, senior video editor for YouTube, design manager, growth and marketer product YouTube producer, finance senior product manager, Content writer, producer and show producer all full time Austin, Texas. Calebhammer.com, by the way, for that one. Wow. Yeah. What are you qualified? None of them good off. No, you're not getting a job. You're pathetic.

[B]

You will literally show up the scriptwriter. I could qualify for that.

[A]

You're gonna show up and kill everyone someday. I'm never gonna allow you back in this studio ever again. You are shot on sight. You are a scary individual that stalks people.

[B]

That's a bit exaggerated.

[A]

I would never subject the women of this office to your existence.

[B]

That's a bit exaggerated.

[A]

No, it's not.

[B]

That's a bit exaggerated.

[A]

It's really not. Your checking account started with $19. Also no. You are beyond. Your application has just been burned. Burned and put on Notice to block 183 is what you ended with. Would I ever. What world would I hire you, you weirdo. What are you talking.

[B]

Well, you don't even know what I'm qualified for.

[A]

I'm. You pretend this was the interview. You're a freak.

[B]

Okay, first of all, those would not be interview questions. And the interviewer wouldn't be going through the phone bill.

[A]

Oh, man.

[B]

Look what he did. Like.

[A]

No, that.

[B]

That's.

[A]

Maybe I would.

[B]

Maybe you would. And that's what you're looking for of a person that you would be willing

[A]

to hire if they stalk and kill women. Yes.

[B]

And you would find out.

[A]

Store Foucault smoking vape. That's good. Instead of paying your bills. Going inside getting some bullshit netflix.com. that's good. Instead of your paying your bills. YouTube's free, by the way. And better. More people watch it on TV than Netflix. That's just on tv. That's not even phone, tablets and computers. Netflix sucks. Netflix is okay. YouTube's better. Bullshit. Jack in the Box, PlayStation. Total wine and more. Yeah, drink yourself through this depression of not getting over the woman that hates you. Foley, Taco Bell, PlayStation. Guys, I don't have any money to pay my fucking bills. Pathetic. Bullshit. Bullshit. YouTube Premium. Are you stopping in and getting energy drinks?

[B]

No.

[A]

Good. Taco Bell gamer subs. If you do, though, it's better. More affordable.

[B]

Tea. What flavor is that?

[A]

Cake. 5. Well, you don't get any because you're not stopping and getting them. Think that's actually gas. Take five. Yeah. Okay, then that's fine. You got to get gas. Obsidian King. Don't. Definitely got to get that bullshit. Sonic zelling out money. ATM will draw 22 smoke council. Wow. Going to the nice places. Okay. City of Conroe. Yeah, that makes sense. Same with the payment fee potential. Bullshit. Definitely bullshit. McDonald's, Auntie Anne's, Auntie Ann's.

[B]

Their pretzels are very Good. Their pretzels are.

[A]

They are 14. You're not paying your bills. You're pathetic. Shut the up.

[B]

7. You get the pretzel bites.

[A]

Okay, you got two. Then shut the up. You're not paying your bills. Pathetic child. Going inside. Getting some vending out. $200 in and out. Text tag. Definitely don't be taking tolls. You can't afford to even pay bills.

[B]

Tolls.

[A]

Spotify, McDonald's. Sonic. Sonic. This is disgusting. Pathetic, selfish, nasty. What is wrong with you? I'm disgusted by your existence. Kfc, Vape City, Venmo and out tolls. Bullshit. My Xbox subscription. Yeah, PlayStation and Xbox subscription.

[B]

So the Xbox subscription, that is actually paid for by my sister, but it just comes out of my account?

[A]

You don't have money and donuts. And if I'm not mistaken, I don't know what the. You've overdrafted like four to eight times this year so far, which is pathetic. We're not even halfway done through the year, so I don't know, man. What did we determine that you have left over on a monthly. On a weekly basis? 600. Is that what we chose? That we said before taxes about the. Is that what it was? Okay, let's call it 450 after taxes. Not gonna have to pay a ton. You'll get the child tax credit when it's your turn. Income, not great, but. Well, we'll look at that resume in the post show. It'll get you course careers. But also, I mean, your mindset on the. Speaks for itself. It's pathetic. It's bad. It's disgusting. You're broken. You're scratching for that vape, you addict.

[B]

Maybe just a little bit.

[A]

Yeah, maybe. Change your behaviors. Fix yourself. You can't afford that shit. Debt payment. 6:30. Your portion of rent.

[B]

$1,110.

[A]

Yeah, we're already almost breaking even after taxes and everything. Is that including your portion of utilities?

[B]

No.

[A]

Oh, and how much is your portion on a monthly basis?

[B]

I would say estimated about 350 to 375. I would say estimated because I don't see any of that. I only see the water. Everything else is in my system.

[A]

And we're over budget. So the thing is. No, we're not over yet. So we'll keep going. Phone bill.

[B]

$170 a month.

[A]

Do helium. 15 bucks. 15 bucks. What is wrong with you? Do helium. Will you switch? Do you owe on your phone?

[B]

I owe.

[A]

Okay, pay that off first. Gas. Vroom, vroom. Drive. Drive. Okay, okay. Most of that's Uber E. So that's actually taken out in that assessment early so we don't have to worry about that. Car insurance. How much?

[B]

I don't have car insurance.

[A]

That's illegal.

[B]

Yes, but while the only reason that I would ever be driving anywhere, you're

[A]

hitting me with a butt for not

[B]

having car insurance while I'm doing Uber eats while I'm actually driving, they already have an insurance policy that kind of goes with it.

[A]

You drive nothing else, nowhere else, anytime, ever? Yeah. Go yourself. Food bill, 300. Meal prep meal plan, Use the. Use the meal plan digital cookbook as well. TP 500 bucks. Anything else you need to survive? Medical, health care, other co pays and on a monthly basis. Do you have health insurance? Well, you should get health insurance. We'll do like 150 bucks a month for the shittiest one ever. So you just don't go bankrupt with an emergency subscriptions. I'll try to give you 25 bucks. Pick two. You have any pets?

[B]

No.

[A]

Oh, thank Jim.

[B]

No.

[A]

Okay. How much is your Internet?

[B]

It went down from 96 to 75.

[A]

May have messed up a number, but we'll be very close. I mean, you're already over your budget. But even if I mess up a number, it's still pretty close. You're about a thousand over thousand over your budget.

[B]

I've been living outside my means for the past year and a half.

[A]

No, that's. That's. You just can't afford life anymore because you're just taking on debt. Listen, bankruptcy or a personal loan consolidation tool. Those aren't bad options. Options. They're bad options for you because you haven't changed your behavior. If you change your behavior for three months, I will allow those. But you have to do that consistently for three months so you don't end up in the same situation again. Besides that. Yes. Follow the budget. You need to go get another job immediately. You need to be working 10 times as much as you are, unfortunately. Easier said than done. Yes. McDonald's will pay you more than you're making now. You need to go work a trillion hours. A trillion hours a week. It's just you don't have the option, unfortunately. And that's even after bankruptcy. Because then you got to have a six month emergency fund and catch up on retirement, which I didn't see a single cent. So you're. You have your life.

[B]

I do have a Roth IRA.

[A]

Very good. How much?

[B]

I believe it's $100 right now. I opened it up about two and a half years ago. I believe it's a 110 now.

[A]

I need to look at this resume. I'm going to go. Something's crazy that he does he doesn't know about. In the Post show. You're about to see it. It. That's very good. Oh my gosh. This military stuff with you is crazy. This military stuff with you is cra. We'll talk about that too. Let's get your hammer financial score first. 0 out of 10 guys join us to the Post show, click the Hammer. Join Hammer Elite by clicking that join button there. Three premium shows every single day, six days a week. I'll see you there. In the Post show, you seem to think another path is rejoining the military. Rejoining? Why is it rejoining because you got kicked out last time because you were caught all night in the Air Force? This dude's a freak. Hi, my name is Caleb Hammer, the host of Financial Audit. The thing is, I have your stalker in front of me. Don't forget the summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and additional digital copy of my budget friendly cookbook and my exclusive 30 day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before and it's only for a limited time. It is 67 off everything. So don't wait until that first pool party to get financially ripped. Click the link below. Save big. Claim your bonuses now

[C]

Some Follow the noise. Bloomberg follows the money. Whether it's the funds fueling AI or Crypto's trillion dollar swings, there's a money side to every story. Get the money side of the story. Subscribe [e-mail].