Racist B*tch Has $0.02 To Her Name | Financial Audit

Summary

Financial Audit with Caleb Hammer: "Racist B*tch Has $0.02 To Her Name"

Episode Date: April 22, 2026

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Episode Overview

This episode features Delilah, a 22-year-old dog groomer from Dallas, Texas, undergoing a full “financial audit” on her disorganized personal finances and relationship drama. Caleb dives into Delilah’s income, spending habits, debt load, and future plans with his signature mix of blunt honesty, dry sarcasm, and exasperated mentorship. The episode is also thick with relationship drama: Delilah hopes that getting her financial act together will win back her cheating ex-boyfriend—even as Caleb points out the alarming red flags in her relationship history and decision-making.

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Key Discussion Points & Insights

1. Delilah’s Job, Income, and Rationale

• Current Occupation: Dog groomer, working for commission plus $19/hr, paid bi-weekly.
• Struggles to give a clear monthly income average; reports $1,200–$1,900 per paycheck, $1,500 on average, with occasional “high” paychecks of $2,000.
• She’s still building clientele after starting at a new shop and claims her pay will increase over time via social media promotion.
• Key Insight: Delilah justifies meager pay as “temporary” while building her client base, but Caleb warns this isn’t a sound long-term plan and presses her for a real, actionable earning figure.
• Quote, Delilah: "Let's go with 15. Let's go with 15. Because that's 3,000 a month, right?" (06:27)
• Caleb: "You are 22 and not making much, and also, it’s not your business." (05:11)

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2. Budgeting Breakdown (or Lack Thereof)

• Delilah has trouble articulating her budgeting system and doesn’t know her exact expenses.
• She “budgets” based on what’s in her savings after each paycheck; her checking balance is perpetually at zero due to overdraft transfer mechanics.
• Key Point: Caleb hammers the need for a consistent budget based on regular expenses, not variable income, and tries to get Delilah to break down her actual bills.
• Memorable Exchange:
  • Caleb: "Your expenditure isn’t changing. What is an expenditure?"
  • Delilah: "Like how much I spend a month?"
  • Caleb (exasperated): "Yes, out, out. Let’s call out. Yes, spending." (16:36–16:53)

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3. Spending Habits and Debt Accumulation

• Delilah consistently spends more than she makes, using her credit card to “pay bills” and for lifestyle purchases.
• Frequently eats out, shops on Amazon, maintains expensive subscriptions, and bought an overpriced used Audi with high mileage and a 9.9% loan.
• Credit Card Debt: At or near the limit, with minimum payments set and the balance steadily rising.
• Parental Debt: Still owes her parents $35,000 for business help and school.
• Student Loans: Two separate loans totalling around $16,000.
• Car Loan: Owes $13,800 on a car worth $9,500, “underwater” on the loan.
• Quote, Caleb: “You’re spending so much money that you don’t have.” (55:32)
• Quote, Delilah: “But I only have one credit card.” (55:20, as if that mitigates the debt issue.)
• Financial Score: “Zero out of ten” for overspending; “Two out of ten” for other categories. (94:20)

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4. Tithing & Charity Choices

• Delilah insists on tithing 10% of income and paying $40/month to sponsor a child ("Joshua") through World Vision, even when she can’t afford her bills.
• Caleb argues she’ll be able to give far more in her lifetime if she pauses tithing to get out of debt first — but Delilah refuses to budge, citing faith and personal “sacrifice.”
• Amusing skepticism about the authenticity of her charity contributions; Caleb points out scams often impersonate international child sponsorship organizations.
• Memorable Quote, Delilah: “I can’t get rid of him, Joshua. His name’s Joshua, he’s in, like, I don’t know where, but I pay like 40 bucks a month so he can eat sometimes.” (27:08)
• Caleb: “Are we sure this is actually to Joshua? … I hope Joshua’s real.” (27:27)

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5. Relationship Drama & Personal Choices

• Delilah moved to Texas from New Jersey for her now-ex-boyfriend, only to leave him soon after for “space” and “maturity.”
• Immediately after she left, her ex moved a new girlfriend in—Delilah refers to this new girlfriend as “chopped,” and goes on a tangent about her looks (with some racially charged humor from Caleb).
• Delilah admits to putting the new girlfriend’s toothbrush in the toilet and writing “cheater” on her ex’s mirror.
• Caleb highlights the cycle: Delilah’s ex cheated to be with her, and then cheated on her (“Why do you want to get back together with a cheater?”).
• Memorable Quotes:
  • Caleb: “You want to go down this road again? … You’re trying to be all religious girl and whatnot, but you’re trying to go down a world with a guy that cheated on someone to be with you, who cheated on you to be with someone else, and you want to marry this man?” (37:22)
  • Delilah: “Yeah. Oh my God, I found her [on social media]!” (37:35)

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6. Caleb’s Live Call with Delilah’s Ex

• Caleb FaceTimes the ex, grilling him about cheating and boundaries in the relationship.
• The ex dodges outright confessions, vague answers; admits “boundaries” and “accountability” were issues, and says getting back together is “an ever evolving thing.”
• Discussion touches on ex’s discomfort with gay people and controlling views on Delilah’s clothing (e.g., requiring more “modesty”).
• Notable Moment:
  • Caleb: “Do you want to get back together with her?”
  • Ex: “It’s an ever evolving thing, it’s not that simple.” (53:39–54:12)
  • Delilah, deflated: “He’s never gonna take [me] back now.” (50:19)

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7. Plans for the Future: Small Business Hopes

• Delilah wishes to restart her successful mobile dog grooming business, which she shut down to move to Texas.
• Plans to seek an “$80,000 small business loan” to buy a sprinter van for a mobile unit. Caleb is highly skeptical, pressing her on why, if she was making $80k before, her parents still hold her debt and she has little left in savings.
• Major Red Flag: Delilah’s logic for wiping out her previous business isn’t financially sound and shows little forward planning.
• Quotes:
  • Caleb: “If you were making $80,000 a year, how could you not afford it? That doesn’t make sense.” (58:48)
  • Delilah: “Because the income was gonna stop when I moved.” (59:00)

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8. Miscellaneous & Lighthearted Moments

• Delilah brings her pet bearded dragon to the studio, which Caleb uses as a recurring gag about “pet expenses” and the oddities of reptile owners.
• Extended, tongue-in-cheek conversation about “trad wife” aspirations, purity rings, sexual mores, and raunchy parody church songs.
• “Jesus loves anal” song reference, to much amusement and mock-offense. (61:38–62:01)

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Notable Quotes & Memorable Moments

• Caleb (to Delilah):

  • “You cannot sit here and actually say that. And in no way would I ever advocate for him to get back to you if this was the kind of shit he was dealing with…” (10:34)
  • "You make me giggle… Sometimes I hate people on this show. I don’t hate you at all. You make me giggle." (63:45)
  • “Find yourself a nice guy…Stop going back to the cheater.” (68:05, 69:31)
  • “You’re going to pathetically go back to the cheater, unfortunately.” (73:01)
  • “Go make an extra thousand dollars a month by working another job or getting more clients, posting social media more if that's what you need to do. And when you do that, you will be able to pay off your bad debt.” (92:22)

• Delilah:

  • “The numbers always number.” (12:49)
  • “I just thought the space was gonna be good for us to be able to grow as human beings…he brought in titties before my shit was even out of the apartment.” (33:04, 33:27)
  • “But I think I need more than [3,000] for my month, like, for my…Yeah, probably.” (06:35)
  • “I'm going to borrow it from a real bank.” (89:05)

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Timestamps for Important Segments

• Income discussion / Budget confusion: 02:11–17:00
• Tithing & charity / Joshua sponsorship: 18:11–28:15
• Relationship drama & cheating discussion: 31:00–40:00, 49:00–54:30
• FaceTime with ex: 48:55–54:30
• Business closure/moving states/career confusion: 56:09–61:12
• Debt breakdown & spending analysis: 63:59–69:31, 72:28–85:05
• Financial score & ultimate verdict: 94:20–95:36

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Overall Tone & Takeaways

• Caleb’s tone is razor-sharp, sarcastic, and often exasperated, but with moments of genuine concern and mentorship.
• Delilah is bubbly, oblivious, and good-spirited, but alarmingly naïve about both her finances and relationships.
• The episode is both entertaining and eye-opening, providing cautionary education about poor financial habits while lampooning youthful romantic delusion and deferred responsibility.
• In the end, Caleb assigns Delilah a dismal financial score and insists she must increase her income, pay down consumer debt, and stop borrowing before considering any large entrepreneurial risks, all while gently mocking her ongoing personal life melodrama.

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This detailed episode summary gives a clear, engaging walkthrough for anyone who missed “Financial Audit: Racist Btch Has $0.02 To Her Name.”*

Transcript

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[A]

To watch episodes of Financial Audit a week earlier, check us out on YouTube. That doesn't matter. You're not budgeting from that. Your expenditure isn't changing.

[B]

What is an expenditure? Whoa. Like how much I spend a month

[A]

my f you want to get with this guy because the day after you left, he brought another girl into your guys's apartment.

[B]

She was chopped.

[A]

You know what this Christian white girl who lives in Texas means when she says she's chopped? It means she's black. You immediately went in there and put the girl's toothbrush in the toilet.

[B]

Okay.

[A]

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[B]

Hi, I'm Delilah. I'm 22 years old and I'm from Dallas, Texas and this is Financial Audit.

[A]

Thanks for coming down. Bubbly personality. I love that. Oh, wow. Yeah. Giggles and all.

[B]

Yeah.

[A]

Okay, good. Well, I hope there's some intelligence behind those giggles. Let's find out. What do you do in Dallas 22.

[B]

I'm a dog groomer. I groom dogs.

[A]

Dog groomer. Okay.

[B]

I get dog.

[A]

Okay, okay. Very good.

[B]

Dog groomer. Yeah.

[A]

Cool. What do you make doing that?

[B]

Well, I make 60% commission and then I make $19 an hour and then I get paid bi weekly.

[A]

Okay.

[B]

But it like it, it's different every week.

[A]

Sure. But it likely averages out relatively monthly. Ish.

[B]

I don't, I don't really think so. I don't think there's a good average because like some paychecks are like 19, but then other paychecks are like 12, and then some are 15 and then 12,000, like 1200. But I don't really, I haven't seen a two thousand dollar paycheck. Well, I've seen a couple.

[A]

No, on the height. What do you see on the high end?

[B]

Yeah, like 19. I've seen a couple T19's on the high end. For right now. For right now.

[A]

Dallas ain't cheap.

[B]

Yeah, but I'm doing, I mean, I'm doing good.

[A]

It would be. Well, and 22. I mean for 22 it might be okay. But listen, if that's on the high end, I'm a little concerned if we're not getting a degree in something which we might be doing in 22.

[B]

Oh, no.

[A]

Okay.

[B]

No, I'm not doing a degree, but I have, I have a license in animal grooming. I'm a license.

[A]

So that's where my concern stems from is like for Dallas now making a ton of money and this is kind of like where you're going to be forever.

[B]

Yeah, I love forever. Yeah.

[A]

That's not what I meant. I meant income.

[B]

Oh, no, no, no, no, no, no, no, no. This is no, no, no income.

[A]

So why is this temporary?

[B]

I had to build my own clientele when it came, like when I got there. So like I started from zero. So my paycheck.

[A]

You don't get assigned random people.

[B]

What do you mean?

[A]

Do you get assigned random people with this groomer?

[B]

What does that mean? Like people call and book an appointment, unlike a hairdresser, but for dogs.

[A]

So they have to specifically pick you?

[B]

Well, yeah, well, well, obviously if they're

[A]

like, I don't know who, I just want to groom me. And you don't get like assigned.

[B]

I'm the only groomer there. Oh yeah, I'm the only groomer there. Not enough people have been calling. So right now I'm at like three dogs a day consistently.

[A]

And why are you working there?

[B]

Because it's a really good opportunity for me.

[A]

Is it people aren't calling, but people.

[B]

No, people are calling.

[A]

So you said people aren't calling.

[B]

Well, let me get there. I was going to say it. So when I first, I was bringing home, like, $500 a paycheck. Like, the paychecks were really low because this place had just opened. They had a really terrible groomer. So they had, like, not that many grooming clients coming in. So when I came in.

[A]

So you're turning around the business for $2,000 on the high end? Actually, you happen to hit that, too.

[B]

But it's. It's. It's like a. Think of the business part. You're a business, like runner, right? Yeah. So, like, when you first started.

[A]

Yeah. You're 22 and not making much, and also, it's not your business.

[B]

I know, but it's temporary because it's gonna get me.

[A]

What's it gonna get you?

[B]

It's gonna. It's just kind of like, you know, holding me over until I'm making more money.

[A]

So is this plan of making more money what you plan to do to apparently get your ex back? Because that's what I see you're trying to do, is you're literally just trying to get your shit together to win your ex back. I don't know if literally Never making a 2 on your paycheck is gonna do that.

[B]

No, I'm telling you, it's getting bigger. The paychecks have, like. Some are lower.

[A]

If you average it out, you can't tell me it's getting bigger. Cause you can't track a average.

[B]

But I can, because my first.

[A]

Tell me what the average is. Cause that's what I asked. I had like, 15 five minutes ago.

[B]

Like 1500.

[A]

So that's an actual answer. That's what I. That's what I asked.

[B]

Well, yeah, but it's.

[A]

Come on. That's what I asked. What was it, three, four, five minutes ago?

[B]

But it's just been changing constantly, so

[A]

I feel like every day.

[B]

Okay.

[A]

Right. Or is it not?

[B]

Well, I don't know, though.

[A]

Girl. I literally need a real number for me to make the rest of this conversation. In the math. At the end of it, when I make the budget.

[B]

Let's go with 15. Let's go with 15. Because that's 3,000amonth, right? Yeah, but I think I need more than that for my month. Like, for my.

[A]

Yeah, probably.

[B]

I make more than 3,000, obviously. But that's an average. That's why I'm saying, like, we can't really.

[A]

She's no I'm not.

[B]

It makes sense in my head. It makes sense.

[A]

Oh, it makes sense in your head. That's good.

[B]

Yeah. And the numbers.

[A]

Can you translate what the is in your head to words? So I can understand it in my head.

[B]

So, like, let's say if I only bring in 1,200 on the first paycheck, then I just know that I need to post a video or something and get more people to call.

[A]

What's the video?

[B]

Well, yeah, because I do social media.

[A]

How many people view these videos?

[B]

Like, 30 probably.

[A]

So how are they getting more clients?

[B]

Because when I post, I post them, obviously, public. So people go out and I post them on Instagram, TikTok and things like that.

[A]

You're not posting them private? That's good.

[B]

Well, yeah. Well, yeah, obviously. But, like, I'll post them, and then when I'm posting videos consistently, I get more calls. Cause people are like, oh, I saw your cute little video on Instagram. Like, can you do that haircut to my dog? And I'm like, absolutely. Come on in.

[A]

You're not doing that. Only when you're.

[B]

Well, no, I am.

[A]

Instead of only when you're like, oh, I need to make a couple extra dollars.

[B]

No, no, no, no. I am doing that.

[A]

You just said if you make a $1,200 check and you're about to miss your.

[B]

I was just saying that as an example.

[A]

You're just saying how. But didn't you just tell me the

[B]

reality instead of just saying that is the reality. Like, if.

[A]

So the reality is, if your paycheck is low, then your paycheck is low because you're not posting enough. So post more.

[B]

Well, yeah, I mean, I always post every day.

[A]

But then that logic doesn't make sense. You said if the paycheck is low, then you end up posting more.

[B]

Yeah, more.

[A]

So why not post more at all times? So the paycheck is never low. If that is directly correlated, of which I am kind of convinced it is not.

[B]

Sometimes I get busy. So, like.

[A]

And again, this is supposed to apparently win your ex back?

[B]

No, no. I was just kind of hoping you would be like, hey, you should totally take her back. She's a great person. My finances really aren't terrible. I think they're not.

[A]

Girl, you're on financial audit. That's literally impossible. Just a fair warning. That is literally impossible. You do not get to this table of the. However many apply a day. Way too many.

[B]

I know. And they called me the day after I applied.

[A]

I am really shocked about that.

[B]

I Applied for shits and giggles. I really didn't think I was good.

[A]

And we pick the. That look like shit. You are that. So. In fact, if you had me call him right now, I would say, one, she's two. Her finances were bad enough to be on financial audit. What? Even still, if I'm calling him and being like, oh, her finances are good, Take her back. Is that what is going to make him come back? Your finances being good?

[B]

I don't know. I don't know. I don't really know.

[A]

What are you trying to do?

[B]

I'm trying to get him back.

[A]

How am I helping with this?

[B]

Look into the camera and be like, no, take her back.

[A]

You have given me no reason to do so.

[B]

Like, I'm like, fun, though.

[A]

Like, what about your finances?

[B]

They're. They're pretty good.

[A]

They're right, objectively not, lady, but I'm young.

[B]

Like, I'm young.

[A]

So doesn't mean they're good all of a sudden, is it all the time.

[B]

You don't have a lot of paperwork

[A]

because you defer the rest of the shit onto documents, onto credit cards, on the bullshit.

[B]

I only have one.

[A]

Doesn't matter when it's going up and it's basically maxed out. It literally doesn't matter. At 22, you're just lucky enough to not have accumulated more openings of credit cards because given your behavior and where you're at financially right now, you'd be in double or triple or quadruple the debt you're in. So 22, no, you're not good for your age. People might have at your age. Or lots of student loans, maybe a car loan doesn't mean max out. Credit card doesn't mean finances around the board. And deferring extra things onto credit cards and other loans and other debts for the sake of us being able to pay rent. That doesn't mean you're able to pay rent. When you brag and say you're able to pay rent, you're deferring other shit onto debts. You're still not able to afford life when debts are going up because you're deferring shit onto them in order to pay that rent.

[B]

But I am, though.

[A]

What do you mean you am, though?

[B]

Like, my bills are paid.

[A]

What do you am, though?

[B]

Like, I have.

[A]

My bills are paid. Your bills are paid. You're putting more on your credit card than you're putting towards it. You're. This is so stupid. You know, I don't know what you're talking about. You cannot sit here and actually say that. And in no way would I ever advocate for him to get back to you if this was the kind of shit he was dealing with, to have left you in the first place.

[B]

No, I left him in the first place.

[A]

Then why would he not get back with you?

[B]

Well, he did get back with me, and we gave it a try, like a couple weeks ago.

[A]

And then a couple weeks ago, we're high schoolers.

[B]

But then we went. But then we went. No contact again, like a week or so ago. Because.

[A]

Okay, so one week of contact, one week of none.

[B]

Well, like two weeks of contact and one week and none.

[A]

What?

[B]

Why are you looking at me like that?

[A]

Because you're.

[B]

Am I delusional?

[A]

You're not smart. You're not very. Right.

[B]

I'm smart about something.

[A]

I don't haven't seen that yet. You're bubbly. Or that's it. You're bubbly, which is fun. Okay, I think I'm breaking down. What are we trying to do here? I'll get at the end, I'll give him a call and I'll let him know what I think. If that's a part. But what are we doing here?

[B]

I don't want them anymore.

[A]

I don't care. What are we doing?

[B]

Honestly, I don't know. I wasn't really kind of expecting to do anything about my finances and. Well, because I'm not really that bad. Like, I was just kind of.

[A]

You're on financial audit. You didn't expect to do anything regarding finance?

[B]

Financial audit?

[A]

No, that's not the point. Oh, you. What do you want to do financially? What do you want things to look like? What am I here to work on with you and your finances, Moron.

[B]

I don't know. I guess to pay everything off and, like, make my finances better. I mean, right?

[A]

Why aren't you doing that yourself in the first place?

[B]

Well, because, like I said, like, my bills are getting paid and, like, even with all my spending, like, you're just

[A]

a repeat copy and paste. Of what?

[B]

Of myself?

[A]

Yes.

[B]

No, I'm not. No. Well, because you're not getting it, though, is the thing. Like, I. The numbers always number, even when I do.

[A]

The numbers always number.

[B]

Yeah. Because my. My friend, I think I. I would.

[A]

I'd love her to draw this out for me. Yeah, please.

[B]

I got this. My rent's always paying, my electricity.

[A]

Okay, pause. You're gonna do it, like, in a drawing. Okay.

[B]

And then I like girl in a drawing.

[A]

You moron. Oh, my gosh.

[B]

Okay. Okay. What do you want Me to draw

[A]

what you've been trying to apparently say for the last few minutes.

[B]

Okay.

[A]

Help me visualize that. I'm a visual learner.

[B]

Okay. I don't know how you want me to do this.

[A]

Oh, my. You were excited about it? Cause I thought you were gonna be able to do it because I thought maybe.

[B]

No, I was not excited about this.

[A]

What? Did you not see your reaction?

[B]

Yeah, that was panic. I was like, no, Explain to me

[A]

what the you're saying.

[B]

Well, I don't. Well, like, okay, so I get money, right? I get a paycheck, right? And then, like, so that's a paycheck. Okay. That's a paycheck, right?

[A]

Okay, that. Okay, gotcha.

[B]

And then let's. Let's say, like, I take. I. Well, I don't really know what to say here. I don't know what to do right now. I get a paycheck, and then, like, let's say this is my first paycheck of the month, right? So I'll take like half of my bills. And then until my next paycheck, I'll just kind of.

[A]

Hey, visualize it, please. Because you're literally just saying shit.

[B]

Let's say half of my bills is like, I don't really. Why. I mean, I know what it is, but. But we're like,

[A]

you can't be real. This world, ladies and gentlemen, these are the people you work with, you live next to, you sit next to on the bus or in class or grew up with. Ladies and gentlemen, I have a nice car. More debt, I assume. Continue. How about you actually put it on the wall?

[B]

Okay, so I get a paycheck, right? So let's say half of my bills is like $750.

[A]

Is it? Is it? No, don't give me an example that's not real. Don't give me an example that's not real. Give me the reality. You're trying to tell me how this works. You said I pay my bills.

[B]

My finances aren't that bad because. So I would have to but for my brain, like, to be able to access.

[A]

Your brain, Your brain, your brain. I'm just telling you to explain literally what happens. Your brain. I don't care about your brain.

[B]

I'm trying to do that. I'm trying to do that.

[A]

But you said, let's say the bills.

[B]

I can't tell. Okay, can I pull notebook out? Cause this is where the actual numbers will come in. And I can explain it. Can I. Can I do that?

[A]

No, I want to actually see if you're able to. If you're able to actually speak on this.

[B]

Actually, let me, let me start over. Okay, so let's say when I talked with Lindsay, I pulled up the example of I had a paycheck. Well, I had a budget that I did for like 2000.

[A]

You did a budget?

[B]

Yeah, in my notebook, like when I got 2000 and like something, I think it was like 20, 42 something dollars.

[A]

So let's say for the month of the paycheck.

[B]

Well, the paycheck hit. And so that was what was in my savings account.

[A]

You budgeted based on the exact amount that hit, not like a. Oh, well,

[B]

because the exact amount that hit is

[A]

like your budget should be consistent and you might just have extra money or tight money.

[B]

Yes.

[A]

And we decide with that.

[B]

Yes.

[A]

Then how are you budgeting based on this paycheck?

[B]

Because the paycheck is different every time. So what?

[A]

That's what I just said. I just said, said that. I just said that. But your budget should be consistent based on.

[B]

The numbers are always the same. I take. I pay my.

[A]

Then why does it matter? Why do you have to budget off of 2040?

[B]

Because it's a different number that I'm budgeting from every month. Because the number is different every month.

[A]

No, but I just said. But your expenditure should be the same. So that does not matter. That doesn't matter. You're not budgeting from that. Your expenditure isn't changing.

[B]

What is an expenditure?

[A]

Whoa.

[B]

Like how much I spend a month?

[A]

I fall. Oh, ladies and gentlemen, this is gonna be a difficult one. What?

[B]

What is that? How much I spend a month. What's an expenditure?

[A]

Yes, out, out. Let's call out. Yes, spending. Oh, let's say that.

[B]

Okay.

[A]

Expense.

[B]

Yeah, yeah, yeah, yeah, yeah. Oh, I'm following. Okay, so yeah, that all doesn't change. But the number that I have to work with, money wise, changes weekly.

[A]

Okay, continue.

[B]

Okay, so for example, I got two example, I had $2,040 in my savings account. Right?

[A]

Savings.

[B]

Yeah. Well, because my paycheck goes into my savings account and then when I swipe my debit card, it goes. It overdrops protections from my savings to my check. So, like, technically my.

[A]

I'm not laughing with you. I'm laughing at you.

[B]

So technically, my checking is always at zero. I think it's at zero right now. Well, technically, I guess it's overdrafted all the time, but because the overdraft protection, it just keeps it at zero and just pulls money from my savings. So my savings is. Yeah, yeah, so my bills get paid for my savings. I have $500 cash from Christmas that my grandma gave me and that's like my real savings. So if like the bills aren't paid.

[A]

Okay, stop.

[B]

So if the bills aren't paid, I'll just like go put a hundred dollar bill in the bank from my grandma from Christmas and then my electric is. Okay, the number's always a number at the end of the month. I'm telling you, my electric's always pissed.

[A]

The number's always number. Yeah, I've heard that. Okay, so, okay, $2,040 is the savings.

[B]

Okay, so yes. So like, maybe my paycheck wasn't 2040, but. Sorry, my feet are over there. Sorry. So like, but if I get like $1,700 paycheck and then like, whatever.

[A]

No, the paycheck was 2,040. Tell me what happens now?

[B]

I was just going off their hands. Okay, so now I'll take half of all my bills.

[A]

What?

[B]

So like I pay half of all your bills? Well, yeah, because I get two paychecks a month, so. Well, depending on the due date of the bills. Because some bills are gonna be due before my next paycheck, so I have to put the whole number there. So. Okay, let me just keep going. So I take, I do $50 a week for groceries, so I'll take $100 out for groceries, food. Then I do about $75 in gas every two weeks, so I'll take that. And then I tithe 10% of my paycheck. So I'll tithe $200.

[A]

You're tithing 10%?

[B]

Yes. And that's a non negotiable. I'm not changing that ever. And I even tithed, like I got a return from my car when I crashed my car and I tithed 10% on that.

[A]

Huh?

[B]

Yeah.

[A]

You what? Wait, what?

[B]

I crashed my car in November. So when I got the insurance check for it, I ended up getting a check for like 5 or $6,000. And I tithed 10% on it because I was really praying that I would only get enough money to pay my car off. And then I ended up getting like 5 or 6,000.

[A]

I'm not saying you can't. I'm not saying you can't. It's like, yeah, fine, whatever your religious belief is.

[B]

I know, so

[A]

stop for a second. Okay, You've been controlling the airflow of this conversation. Listen for a moment, not stop writing. Cause I don't know what that is. You just. Okay, that's the timing. But the mathematical reality when it comes to giving any charity or to any religious organization, if you actually get this taken care of and get yourself on a better financial footing, you will be able to give a larger number over the course of your life than if you're giving just a little bit right now. That is a reality that happens at every time for any charitable donations, for any income situation. So, yes, we. I would pause that now temporarily and give more. Recoup later. Give what you lost later.

[B]

Well, no, I'm not. See, I'm. No, I'm not doing that. Because here's the thing is when I.

[A]

Are you here for listening or.

[B]

Well, I mean, I'll listen, but like, that one I won't listen about because. Well, because.

[A]

But you can still give the same amount in the end and actually even more. I mean.

[B]

Yeah, correct.

[A]

So it would work out. It'd be fine.

[B]

Yeah, but like, God wants us to make sacrifices, so this is sacrifice.

[A]

So what you're doing is making a sacrifice now in your life so that you can give more to the church later.

[B]

No.

[A]

And for the. But you'll be able. But you'll be giving more. So isn't that better?

[B]

Well, yeah, but I just don't see it that way. Well, because I just. I see it as like, okay, so when I moved. So I moved to Texas, right? And then I moved while I was in Texas in September.

[A]

Okay, that's crazy.

[B]

Well, so here's the thing. It's like a God thing. So when I moved, I.

[A]

You mean it's a God thing.

[B]

Just listen. So when I. When I moved in September, my parents came down and for like a week, we were looking for apartments, right? We couldn't find any apartments in my budget. Cause I was still making not as much money as I'm making right now. So I was making even less in Dallas. That's scary. So anyways, then I, like, I prayed really hard and I was like, God, like, you didn't bring me to Texas. When you need to build up your team to handle the growing chaos at work, use indeed sponsored jobs. It gives your job post the boost

[A]

it needs to be seen and helps

[B]

reach people with the right skills, certifications and more. Spend less time searching and more time actually interviewing candidates who. Check all your boxes. Listeners of this show will get a $75 sponsored job credit@ Indeed.com podcast. That's Indeed.com podcast. Terms and conditions apply. Or need a hiring hero. This is a job for indeed Sponsored jobs. Way to send me home. Like, I found a church that I really love, like I'm not going home. I love it here. You brought me here for a reason. And so like I fought with him and I prayed really hard. And then the next day we accidentally found the apartment that I'm in right now. And like I raised my budget a little bit and I ended up getting the first two months free. And like I lost a ton of money. So my dad had helped me pay like the deposit, but that was it. And then like the lady, the manager sat with us and we were like, hey, but we need keys. Like tomorrow morning. We can't do like the week application and everything. So like she sat with us and we got my apartment that day and everything. And so now I'm never considered that

[A]

in, in all of Texas, the rental market is quite weak and there are a lot of vacancies and they will do anything to fill them. Currently drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutte. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, yeah, that tracks. I guess I'm stuck. Stop it. You don't deserve to be buried in a high interest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where why refi comes in. Why refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only pay 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 yrefi.com hammer that is yre f y.com hammer or call 888-Y-REFI 78 that is 888-Y-78. Break free from the high interest trap and get your finances under control once and for all. I'm going to be real with you. Your debt is not the same as everyone else's. You've got your own unique mix of credit cards, maybe some medical bills, personal loans and collections, whatever. Your interest rates are different, your payments are different, your life is different. So why do you need some one size fits all solution that treats you like a number? Some generic calculator that spits out just pay more. As if you hadn't thought of that already. That's what sets PDS apart. They don't just look at your balance and say good luck. They work to understand your specific scenario and help provide alternative solutions to becoming debt free. Whether you're struggling with credit cards, personal loans, collections or medical bills, PDS Debt has customized options designed specifically for you. Not your neighbor. Not some average case study. You. They've helped hundreds of thousands of people get out of debt. And here's the thing. There's no minimum credit score required. They're not here to judge you. They're not here to shame you. They're here to help you get out and help you save more, pay off your debt faster and start putting money back in your pocket. This is a company that is A plus rated by the Better Business Bureau, boasts thousands of five star reviews on Google and holds a five star rating on trustpil. That legitimately matters. Here's the thing. If I needed help paying off debt, this is exactly where I'd go for help. You're just 30 seconds away from being debt free with PDS debt. Get your free assessment and find the best option for you right now at PDS debt.com hammer that is PDS debt.com hammer PDSdebt.com hammer have you ever considered that as a possibility?

[B]

Yeah. Correct. And all of those apartments the week ahead of this one, we're trying to do that. And I lost a lot of money. I lost.

[A]

That sounds like you were a moron.

[B]

Yeah, I was. Well. Cause I was in panic mode because I just had left my boyfriend and I didn't have somewhere to live and I don't know anyone here and I don't. So yeah, I was stupid about it.

[A]

I. Yeah, that's you being a moron. That's not you praying though. No, that's you being a moron.

[B]

Correct about me. Not like about me losing money. That was me being a Moron.

[A]

And prayers God. It helps a lot of people in every religion. It really does.

[B]

Exactly.

[A]

It makes people feel good. God helped me out. Yeah, God helped me out.

[B]

He found me an apartment.

[A]

I love it.

[B]

He helped me find a apartment. Yes.

[A]

All of this is the actions of your choices, though.

[B]

Yes, but. So now the action of the tithing is my thank you for letting me stay. It's like my thank you.

[A]

So you chose to leave your boyfriend in a. Yes, you can thank him throughout the rest of your life. I love that.

[B]

So it's a choice. I love that.

[A]

That's great. Do it.

[B]

Point to me.

[A]

I care.

[B]

Period. I'm not.

[A]

But right now, fix your shit and then give more and just make up what you didn't.

[B]

Well, I can fix my stuff with, like, other things. Like, I can. Like, I have a sponsor kid. I mean, what. That kind of breaks my heart, though. I can't get rid of him. His name's Joshua. He's in, like, I don't know where, but I pay like 40 bucks a month so he could eat sometimes.

[A]

Are we sure this is actually to Joshua? I gave him, like, a traditional African name. So what's the baby's name? O.J.

[B]

yeah. It's through World Vision. Oh, it's just like a big, like, sponsor kid, Christian thing. Look, Joshua gets to eat and that's all that matters.

[A]

I hope Joshua's real.

[B]

I think he is. I have a picture of him on my phone. He was really cute.

[A]

That's very difficult.

[B]

He wrote me a letter.

[A]

That's also very difficult to do.

[B]

I think it's a legit company. They're like, very well known.

[A]

It's a company.

[B]

Well, it's like. I guess it's an organization. Google it. I'll come right up.

[A]

It is a legitimate international charity, but it's frequently.

[B]

Oh, shoot. It's frequently what?

[A]

It is frequently impersonated by scammers using fake loan foundation schemes.

[B]

Oh, no.

[A]

Job offers and phishing websites to steal money and personal information of which if anyone I have ever met would fall for. Okay, so, okay, 10% goes to tithing. Sounds like we're not going to get anywhere there, so. Continue.

[B]

Yeah, that's a non. Okay, so then tithing always comes out first.

[A]

Give the money back. I'm not against tithing. I am against you being stupid. Continue.

[B]

Okay, so then I pay my dad some bills. So I pay him on the first of the month.

[A]

So your dad some bills?

[B]

Yeah, I pay my dad car insurance and for my phone bill. So I pay him 225amonth. I Venmo him. So half of that's.

[A]

Why aren't you getting those on your own at that price? Well, okay, because helium, at $15 a month, you're in Texas. Helium's good.

[B]

I'm only paying him $25 a month for my phone, and it's 15's better for the actual phone.

[A]

Oh, for.

[B]

It's not for the plan. Also, finance the. Continue. I did. So I pay him. And. Oh, and my car insurance story. Is that what you said?

[A]

113. No, you told me 213. You wrote down 1 13.

[B]

No, I said 113. And then I said I pay him. Total 225amonth. A month, yeah. So the $200 car insurance is. Because I tried to get car insurance on my own, and they were trying to charge me, like, $800 a month.

[A]

Continue.

[B]

Okay, so then I have, like, my student loan. Half of one is 50, and then another half of the other one is 23. And then I have half of my. Well, I have two different ones.

[A]

Different accounts or different loans that are the same account.

[B]

Completely different loans. But one of the loans, the mohela loan, is two loans into one. So I have three loans, technically. And then I pay, like, 150 ish for electric. So is that 75 half electric from your savings?

[A]

Yep. Continue.

[B]

Well, from the paycheck, technically. And then I pay 20. I pay 50 for Internet.

[A]

Okay, now I'm confused. So you're living on your own now, and you spend a lot of money to make that because you just chose to leave. You guys moved to Texas together, if I'm not mistaken.

[B]

Yeah.

[A]

So you guys moved to Texas and you immediately just like, nope, actually, I don't like you.

[B]

No, no, no, no, no.

[A]

Let me go live on my own and blow a lot of money.

[B]

No, we were having issues communicating and agreeing on things.

[A]

Well, that's good. I would move across the country for someone that I'm doing that with.

[B]

No, it wasn't like that until we moved. Like, things just got more difficult when we moved.

[A]

Why did it get worse?

[B]

Well, because when. So when we had moved in, it was my ex's first time ever leaving his home. Like, with his parents. He never even like.

[A]

And you're gonna move across the country with that?

[B]

Well, I was gonna marry that. I still want to one day.

[A]

Oh, okay,

[B]

bro.

[A]

You guys cut it, like, a week ago.

[B]

That's the thing. No, we're just trying to do it right so we don't actually fail this time.

[A]

Is that the guy you showed me? No. So you have eyes for two men?

[B]

No.

[A]

That's very Christian of you.

[B]

No, I was. I was.

[A]

No, she was showing me pictures of a very handsome cowboy.

[B]

She's very handsome, but I.

[A]

That she wants to.

[B]

Oh my gosh. No, no, I wanted. So I introduced myself to him.

[A]

Come on, Christian girls are the craziest.

[B]

Well, I used to be, but not anymore.

[A]

Always happens.

[B]

It's my purity ring.

[A]

Ugh.

[B]

Did you just. Ugh? Yeah, no, it's cute girl.

[A]

Just have fun. Okay?

[B]

I had a lot of fun. So I'm okay.

[A]

Uh huh. Okay.

[B]

Oh, oh, oh, oh. So the exact. So, yes.

[A]

You broke up with him.

[B]

So. Well, so here's the thing is, when I had moved out, we were having issues communicating and I thought it like, I moved out still wanting to marry him. And it was like right before we were supposed to get engaged. So here's the thing is I and

[A]

he had never lived anywhere besides his parents. And you were about to get engaged to this man?

[B]

Yeah.

[A]

How long are you guys together?

[B]

Like a year. We were gonna get engaged.

[A]

When were you getting railed endlessly then?

[B]

What?

[A]

When were you getting railed endlessly then? Because you just said you had a hoe phase. Like, how's that even possible if you were with him since 20? When were you just. When what was your h. Phase? Like two months?

[B]

I never said it was a hoe phase. I just said I had fun. Like I was a party girl in college. I partied a lot. I drank a lot.

[A]

You got with him at like 20?

[B]

Well, I got.

[A]

When were you having fun? 18 to 20. Yeah, that was fun. Two years of your life.

[B]

Yeah, I went to Chicago a lot. I did a lot of clubbing, but it was like a lot. So it was like Thursday through Sunday.

[A]

You want to get with this guy because the day after you left, he brought another girl into your guys's apartment.

[B]

At the end of the day, I moved out because I wanted to marry him still. And I thought the space was gonna be good for us to be able to grow as human beings and like him to mature a little bit and like.

[A]

Yeah, he brought some titties back to the place.

[B]

I know. I mean, at least they weren't cute ones.

[A]

Maybe. I don't know. You're saying that.

[B]

No, she was chopped.

[A]

Jealous ex.

[B]

I'm not jealous. It's a fact. It's a fact.

[A]

Show me a picture.

[B]

I'm blocked. But we can find her. He had her blocked.

[A]

You know her name?

[B]

Yes, of course. I Know her name?

[A]

Jealous ex.

[B]

I was jealous, obviously, because there's a thing. I left wanting to marry him, and then he brought in titties before my shit was even out of the apartment.

[A]

Yes. Did they bang?

[B]

Yeah, obviously they bang.

[A]

And you want to get back with this?

[B]

Yes, because here's the thing. All the reasons why I left him were everything that he got from her. Basically, he got his own shit hand back to him.

[A]

The new girl works for Twin Peaks. Are they together now?

[B]

No, they're broken up now.

[A]

Except you guys broke up again a week ago, so maybe she's back in the picture.

[B]

Don't say that.

[A]

Well, I mean, let's just be real. I know how men work.

[B]

Yeah, but I don't want to think about that. I know how they work, too. I mean, he brought a new in before my clothes were out of the closet. She had a toothbrush on her count. I know. I'm sorry. I'm trying to watch my mouth. But she had a toothbrush in our apartment before my stuff was even out. Exactly. So when I got there. And I moved all my stuff out

[A]

the day after she moved out. There's a toothbrush there?

[B]

No.

[A]

You bring a toothbrush for fun.

[B]

Wait, what?

[A]

What? I don't. I know.

[B]

Wait, are you trying to say that she was there first before I left? What are you trying to say, bringing

[A]

a toothbrush over for an evening of fun?

[B]

No, that's the point. It wasn't just an evening of fun. It got. They got. They were in a relationship.

[A]

Like, what, the day after you moved out?

[B]

Yes. Like.

[A]

Hold on.

[B]

I moved my stuff out of the apartment.

[A]

Wait a minute.

[B]

I was standing in my new apartment.

[A]

Is that not the biggest red flag you've ever heard in your life? And you want to get back with a guy that was likely cheating on you?

[B]

Oh, I can't find her now.

[A]

Oh, come on.

[B]

No, I'm serious.

[A]

A girl who works at Twin Peaks?

[B]

Yeah, well, I know how to spell her name and everything.

[A]

A girl who works at Twin Peaks had already moved in the day after you moved out.

[B]

Yeah. And do you want to know the crazy part, too?

[A]

That is the crazy part, but sure.

[B]

Well, so, like, he was. Him and I, like, we got into some disagreements about the way that I used to dress. Cause I used to dress a lot more provocatively before God.

[A]

So. Oh, my God. Okay, girl, you're alive.

[B]

That's his page.

[A]

Who cares how you dress?

[B]

Should I try and find her?

[A]

Yes. I thought that's what you were doing.

[B]

Well, I meant, like, still I can't find her.

[A]

So what was the crazy part? Yes, this is dressing.

[B]

Well, the crazy part was that, like,

[A]

I mean, I want you to dress even more like Handmaid's tail so we can cover that arm hair.

[B]

Oh my God, I cannot believe you just said that. I'm Puerto Rican. We're hairy. And my dad's like Greek and German and so I'm just hairy. Huh. You don't have to judge me. So anyway, I can't find her. Oh, that's not fun.

[A]

Oh, you immediately went in there and put the girl's toothbrush in the toilet. Okay, so then he wrote cheater on the mirror.

[B]

Yeah, yeah. And I took every.

[A]

Can't find her.

[B]

No, I can't.

[A]

Show me him. This guy you want to get back with.

[B]

I tried to.

[A]

Well, I know, but I want to see her.

[B]

I want to see her.

[A]

You don't know her name.

[B]

I know her name. I'm typing in her.

[A]

Okay, okay, okay, okay.

[B]

Pull him up, pull him up, pull him up. Okay, that's him. I have a really cute picture of him and I together too. We look cute together.

[A]

Are you kidding me?

[B]

Okay, see? But no, no, no, no. Can I show him? Can I show a picture? I have a better one. I know, don't. Those are not cute. You know, men can't post pictures on Instagram. So if they're like kind of cute on Instagram, then you meet like, you know that they're a little bit cuter. Oh, wait, I've never tried Facebook.

[A]

Uh huh.

[B]

Maybe I'm sworn crazy jealous ex that

[A]

writes cheating around the mirror and he is a cheater. Why do you want to get back together with a cheater? We are gonna call this guy because I told you.

[B]

I was like, remember? So I was telling him, I need you to help me with the laundry, I need you to help me with the dishes, I need you to help me pay the bills. So when I left, those were mainly the reasons, like we just weren't agreeing on being adults, basically. And so when I left, I thought it would give him a chance.

[A]

When you two met, he already had a girlfriend.

[B]

Yeah.

[A]

You want to go down this road again? You're trying to be all religious girl and whatnot. You're trying to go down a world with a guy that cheated on someone to be with you who cheated on you to be with someone else, and you want to marry this man?

[B]

Yeah. Oh my God, I found her.

[A]

You are delusional.

[B]

I told you she's chopped.

[A]

Show me.

[B]

I told you she's chopped. Her mom posted that.

[A]

I think you know what she means.

[B]

She was amazing.

[A]

You know this, this Christian Texan means. I'm not a Texan when she's. Yes, you are.

[B]

I'm a Jersey girl.

[A]

You know what this Christian white girl who lives in Texas means when she says she's chopped? It means she's black.

[B]

No, that's wrong. I knew you were gonna say that. I'm not. No, I'm not like that. I've chatted with a lot of dark colored men. This was actually my first white man. This was my first one.

[A]

This is her?

[B]

No, that's the mom. She's got the ex girlfriend now. She's got messed up teeth. Yeah. So basically she was a mooch and she found my ex with a good job.

[A]

You're calling the black woman a mooch?

[B]

She was a mooch. She went in with a job that she barely ever went to. She would sleep all day, wake up and put makeup on and then get dropped off at work. She had no car, no driver's license. She had a shitty job. Like, she just was a mooch. She could have been white. She could have been brown. She could have been yellow.

[A]

I think the guy just wants a little seasoning, a little bit of flavor.

[B]

Well, then why is he coming crawling back?

[A]

Is he?

[B]

Well, he was.

[A]

Well, because he cheats.

[B]

Couple weeks ago.

[A]

It's because he wanted to. Did you guys. Two weeks ago.

[B]

No, no, no.

[A]

You promised me.

[B]

Yeah.

[A]

You swear to the big up there? Ah, yeah. I mean, you do, you swear?

[B]

Well, no, I don't swear. Well, I just don't swear on the big guy in general, but.

[A]

Well, if it was true.

[B]

Yeah.

[A]

You guys didn't. No glucky glucky. No touchy touchy.

[B]

I mean, a little, but no glucky.

[A]

That's what he wanted. That's what he came back for. And then he left a week later, right?

[B]

Well, no. Well, yeah, but. No but, but I mean. So the thing is, when he was like, I think we should go, no contact, it was because we were starting to see the same patterns in our communication happening again in two weeks.

[A]

The pattern in that communication is he wanted to go another woman for six months.

[B]

They were together for like six months.

[A]

That's a lot for him.

[B]

Yeah, I know.

[A]

He starts cheating. He says, here, you want to get back with this new shit? The guy you showed me before is so much more handsome. Yeah, but the guy you showed me

[B]

before we started filming, he wasn't interested in me at all.

[A]

Well, no. Oh, a Guy doesn't like you. I don't give a. That's not a traditional crying thing on this show. You.

[B]

Well, you.

[A]

Oh, shut up. A guy you have a crush on at church doesn't like you.

[B]

That's not what I'm crying about. I'm crying about my ex.

[A]

Your ex that cheated on you who cheated on with another girl to be with you.

[B]

Oh, I know, but I think, like, it needed to happen.

[A]

Oh, girl, you are broken.

[B]

No, I'm not. I might be a little bit delusional, but I think a little bit.

[A]

Showed you a picture of the new guy.

[B]

I don't have a new guy.

[A]

You just showed me. No, the guy you're into.

[B]

The one from church?

[A]

Yes.

[B]

No, I've given up on that. A while ago, I literally put myself out there.

[A]

Like, what do you mean? How'd you put yourself out there?

[B]

Okay, so we had met like once or twice, and so I had followed him on Instagram and he was private with like 200, and something thousand followers. He never accepted me. So I removed it. Then my friend, like, a couple weeks later. Cause we were still like, seeing each other at church. My friend at church was like, I'm friends with him. Let's go introduce you. He's single. Whatever. So they went and introduced me. And then like a little while after that, I was just gonna kind of play it by ear and like, not be too pushy about it.

[A]

Did you have his phone number?

[B]

No.

[A]

And you're not in his Instagram?

[B]

No.

[A]

Because you have no point of contact.

[B]

No. I mean, I could DM him on TikTok. I think because he's not private on TikTok.

[A]

He will not see that.

[B]

Yeah, well, exactly. So I can't even like slide into his DMs. And like, this was a while ago and I tried to introduce myself. And then we tested it out.

[A]

What about Brandon? He's looking for a nice Christian girl. Yeah, she is. Just because you guys are the most like. And you're good looking and his home is Dallas. Ish. Really ish. Fort Worth.

[B]

How does he work here then?

[A]

Well, no, his home.

[B]

Oh, here. This is me and my ex together. We're cute together.

[A]

Sure, whatever. Look up the new guy. I don't care.

[B]

So this new guy. So anyway, so then we tested it out to see if, like, maybe he just, like, wasn't seeing it. That's his page. And then so I was in Jersey

[A]

and my family friend, she said he had 250,000 followers.

[B]

Does he not have 200 and something? Thousand.

[A]

He has 10,000 followers.

[B]

Oh, on TikTok, he has 200 and something. Thousand.

[A]

Oh, gosh.

[B]

Oh, sorry. So the thing with that is that I tested it out with my friend back home. Oh, sorry, bleep that.

[A]

But Brandon said he's down and that you're kind of. It seems like you'd be fun at a Six Flags date.

[B]

Oh, I love. I love roller coasters.

[A]

This is great. Okay, listen. Okay, so that's how you put.

[B]

Wait, let me finish really quick. The story about him. So we tested it out. This is how I know he really.

[A]

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[B]

My friend who is married with kids, but she's a beautiful like bombshell blonde with fake boobs and fake lips and everything.

[A]

I hate that shit.

[B]

I mean, she rocks it. She's gorgeous. No, I mean, I don't prefer it for myself either, but still. Anyway, so she followed him on, requested to follow him. He immediately accepted it and then followed her back and then was viewing her story. So then I followed him immediately after again. 24 hours went by and I wasn't accepted.

[A]

Oh my gosh, these women games.

[B]

Okay, so I did a church.

[A]

Don't like it. He ain't sticking in it and giving you babies. Rip. Yeah, keep going back to the cheater. You think that's the only alternative? Shut the up.

[B]

I don't think it's.

[A]

This makes no sense. I don't understand you abandoning, which fairly.

[B]

I didn't, I didn't.

[A]

Well, you left a relationship and you didn't know he was cheating until you left.

[B]

Yeah, because my friend. My friend upstairs, he is cheating. But technically. No, no, no.

[A]

Jesus, no.

[B]

Patricia, in the other room.

[A]

Oh, okay. Yeah, she's upstairs.

[B]

Did I say upstairs? I meant just over there.

[A]

You said upstairs.

[B]

Oh, well. Oh, oh. This is why I said upstairs. She lives right on top of my house.

[A]

But we're talking about the big G.

[B]

Well, no, he's upstairs. Well, yeah, he is upstairs, but she's literally upstairs. So the apartment that my ex and I moved into, he's still there. I know her from her moving in with her ex a couple weeks after him and I moved in. So we were upstairs because she's the one that told me he was cheating. And she's the one that called me and was like, the day that I got the keys to my new apartment, she called me and was like, oh, hey, I just wanna let you know that he just brought a new girl home.

[A]

How you budget makes no sense to me. I need to get back to that.

[B]

Okay, so.

[A]

Oh, there's more.

[B]

No. Well, I have more bills, obviously.

[A]

Okay, you have more bills, but this doesn't understand this number shouldn't matter.

[B]

Why? It's how much money I have.

[A]

Bills stay the. That's already a bad way to look at it. Your bills do not change. Your bills in 50, 30, 20, or whatever it is you're doing at the time should only be based off of. Your lowest check relatively. But here, tell me. Not even your check monthly, by the way. Not even paycheck to paycheck. But okay. Either way, since you do this, you should be able to tell me how much you spent last month. Tell me what your outflow was next. Last month.

[B]

I have no idea.

[A]

But you write it down and you, like, have for 30 whiteboards in your kitchen. I heard of writing down your bills and stuff. So tell me, what did you spend?

[B]

I'm gonna say probably like. Like if I. I really have no idea. Maybe.

[A]

Okay, let's barely have no idea.

[B]

Yeah, let's say like 4,000.

[A]

Okay. $5,149 when payroll was 3,197.

[B]

I pay my bills.

[A]

My bills are paid. The number, numbers. In the end, it didn't come. Debt, debt, debt.

[B]

But I don't know.

[A]

It doesn't matter if you don't have much if it still goes on there. It goes on there, you dumb tit. The balance went up on the credit card, you dumb tit. Okay, 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 personal finance guy, Right? Well, they're gonna 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 Dollar Wise Bill Play. These people just like you. You for people just like you. No private equity, no gimmicks. Just the best budgeting app there is. Download it now. Start the free trial. Dollarwise.com link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to 200 in bonus cash right now. When you sign up for the checking account that I use, use Chime also. It makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that 350 right now in your checking account. Deal with this. Figure out your. I'm not saying you can't tie. I get it. I'm not going to tell people to not do what their religion and what they need to do in the religion. I am not against the set. Do it. Pause. Recoup it later. Fix your. So you're not endlessly going into debt. If you were asking the big dog. If you went and asked the pastor and like I'm going into debt because I can't afford this 10% right now. What. What do you advise? I think they would say figure out your death situation. Make it up later.

[B]

Yeah, you dumbass. Oh, I hate that word.

[A]

You don't like the word.

[B]

Oh my God, now it makes my skin crawl.

[A]

I don't give a call your ex.

[B]

Okay, well, so he works at. So he works at. Can you bleep this? He works at. So can I just text him and be like, can you call us when you get a chance? Oh, shit. Really? FaceTime or.

[A]

No, I was lying. Yes, call him.

[B]

Okay. He might not answer.

[A]

Just call him.

[B]

Okay, okay, okay.

[A]

One. Hello? Oh, Caleb. Hello. Here's the thing. Oh my God. Why did you cheat on my. Cheat on my precious Delilah over here? I didn't cheat on her. If the day she moved out there is a toothbrush and another woman living there. No way. You were not in active communication. That is impossible. She wasn't. No, no. She wasn't living there until like a month.

[B]

But they were already.

[A]

But you were already before your clothes. Her clothes were out oh, my God.

[B]

I told them we weren't together. I'm trying to stand up for you, but it's.

[A]

Caleb, why is this even being spoken about? Because. Because. Pause. She wants to get with you. And I'm like, why the is she trying to get with someone who cheated on someone to be with her? I didn't just cheat on her. That's. That's what you're not understanding is a very complex situation. I understand input, but. Okay, well, make the complex situation less complex. That's. That's not something I'm gonna put on the Internet. Oh, great. What a defense. You also cheated on the girl previous of her to be with her. Oh, my Lord.

[B]

He's never gonna take back now.

[A]

So where. Where's this conversation going? She wants to get back with you. I'm asking why the she even wants that in. But here's the thing. If you guys were together a couple weeks ago, we'll bleep your name. By the way, if you're. If you guys were together a couple weeks ago and then you stopped being together, why the are we playing this game?

[B]

We were just taking some space to try and, like, get ourselves.

[A]

You were together for two weeks? For a second, and then you broke up immediately?

[B]

Well, yeah, because we weren't.

[A]

I got a second job. Like, I'm just trying to focus on myself. We were getting into arguments. I was a distraction, honestly. And she knows that. I know that. What are the arguments about? About kind of accountability and. I don't know, just boundaries that are. That were set and spoken about that aren't respected and. I don't know, when things are brought up, it's not always. It's not always handled the best. And I. I take. I take accountability on raising my voice and whatnot, but if you're a partner, you should at least be able to speak honestly. That's. That's how I think. And what is this thing with trying to make her wear more clothes?

[B]

Oh, my gosh. No, we just. We debated about, like, corse and something. Sorry. I told them about your.

[A]

Shut the up. Oh, all right. So I'm. I'm sure you have your own stance on morality and clothing and women's clothing in today's day and age, so I'm sure I don't really need to go into too much detail if. How much does she have to wear to be with you? I don't know. Something. Something her grandmother and mother wouldn't frown down upon. I just think it's a respect. Like, I don't Was she saying no?

[B]

There's some outfits that my mom and dad think are really cute that he.

[A]

What about at the beach? What do you. What do you allow at the beach? Well, I don't give a damn about the beach. That's a different story.

[B]

But that's the most revealing he does, though. So I used to wear, like in college I used to wear like thong bikinis. Now I wear a bikini that has shorts.

[A]

Oh, so you make her wear the shorts at the beach?

[B]

Well, he didn't necessarily make me. That's the thing. Yeah, like we just fought about it, but at the end of the day,

[A]

do you think you're going to get back together with her? What kind of question is that? Do you want to get back together with her?

[B]

Sounds like no. Oh, okay.

[A]

And listen, you guys have some big disagreements sense world view. Like she doesn't hate gay people and you hate gay people. I wouldn't say I hate gay people. I hate when it's pushed towards me. This is crazy. I'm being outed as a homophobe and a quote unquote cheaters. But the girl you didn't cheat on her with was bi. Yeah, what does that have to do with that? I just told you, I don't hate gay people. Well, she said that you don't really like gay people, so, I mean, like I just said they're gay. Towards me, it's a little uncomfortable and I try to make it clear that I'm not and oftentimes it's still pushed on me. Like, I got a DM the other day, some guy was like, hey, you're like, nothing, bro. Like, I'm not, I'm not really into that. Like. Yeah, you are. You're just confused. So, like. Yeah, that type of. I don't, I don't enjoy it makes me uncomfortable. Sounds like a closet bottom to me. Okay, so you haven't decided whether or not you want to get back with her? What? You haven't decided whether or not you'd want to get back with her. It's an ever evolving thing. It's not that simple.

[B]

Well, because we have to. To like make.

[A]

I'm asking.

[B]

I'm sorry. I'm sorry.

[A]

Like, we, at some point we lived together and you know, we took steps away from that, so obviously it's just going to take time. Like, we came from a totally different state together, so. Yeah, but you guys literally were supposed to get engaged two days before you broke up, so, like, we were almost there. Oh, I'm, I'm well Aware. Okay.

[B]

Right.

[A]

I do have a bad news. If you guys ever do get back together. I didn't hear you. I do have some bad news. If you ever consider getting back together. That is What? She's pretty much the most person I've ever talked to.

[B]

But he likes me because of. Did you think? You didn't even say bye.

[A]

I just wanted to leave him with that.

[B]

What do you think? Am I stupid?

[A]

Yes, he's a cheater. Allegedly.

[B]

But technically we weren't.

[A]

Technically, he was. The moment you moved out. What the you talking about? What do you think your financial score is? 0 to 10. 0 being the absolute worst, 10 being the absolute best.

[B]

I think I'm like a 4 or 5.

[A]

You are so. Did you just heard how much money I told you you spent?

[B]

Yeah, but I only have one credit card.

[A]

You. You make no sense, man. You make no sense. It could also be overdraft. It could also be extra stuff. Oh, makes sense to you. That's good. That's wonderful. Misan's alone is 1175 or $1157 miscellaneous in a month. Going out to you. It was like 400 bucks. Unknown shopping, 600 bucks. Other large purchases. $842. You're spending so much money. You're spending so much money that you don't have. What's your rent?

[B]

13.50.

[A]

It's like half your income on a normal month.

[B]

It's a really cute place broken, huh? It's a really cute apartment.

[A]

That's literally. No one brought up that argument. I don't give a. Give a. I don't give a. No one gives a. Not a singular person gives a. It is half your income. When your income is and you can't

[B]

manage your to save your life, but it's going.

[A]

Maybe you can't track it. You can't tell me the average. I'm gonna be rich. You're gonna be rich. Ah, rich. Dog groomer. We've all heard of them.

[B]

Yeah. It's called opening a business.

[A]

Oh, you're gonna open a business? You're gonna open a business.

[B]

Been there, done that.

[A]

Been there, done that. How'd that go? How'd that go? Successful business, lady.

[B]

I was on track in two years to make a hundred thousand.

[A]

Where are you today? I don't give it. I was on track. Never got there. But guys, at least I was on track.

[B]

Open that business.

[A]

Tell me about that business then.

[B]

It's a mobile dog grooming business.

[A]

And how'd that go that you were on Track.

[B]

It went great. I opened it.

[A]

Which is why you were only ever on track and ever got there.

[B]

I shut it, okay? I was making $80,000 a year. I was on track to make more than that when I shut it down in 2025. Why? I shut it down down to move here.

[A]

What?

[B]

Because I was gonna have no source of income at the beginning if I reopened the business.

[A]

Move where to?

[B]

Texas.

[A]

From Jersey?

[B]

Yeah.

[A]

Why'd you.

[B]

I get so many headaches every month. It could be chronic migraine, 15 or more headache days a month, each lasting four hours or more. Botox.

[A]

Autobotulinum toxin A prevents headaches in adults with chronic migraine. It's not.

[B]

For Those who have 14 or fewer

[A]

headache days a month, prescription Botox is injected by your doctor. Effects of Botox may spread hours to weeks after injection causing serious symptoms.

[B]

Alert your doctor right away as difficulty

[A]

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[B]

weakness can be signs of a life threatening condition.

[A]

Patients with these conditions before injection are at highest risk. Side effects may include allergic reactions, neck and injection site pain, fatigue and headache.

[B]

Allergic reactions can include rash, welts, asthma, symptoms and dizziness.

[A]

Don't receive Botox if there's a skin infection. Tell yourself, doctor, your medical history, muscle

[B]

or nerve conditions including als, Lou Gehrig's

[A]

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[B]

and medications including botulinum toxins as these

[A]

may increase the risk of serious side effects.

[B]

Why wait? Ask your doctor. Visit botoxchronicmigraine.com or call 1-844botox to learn more. Move. Because I hate New Jersey.

[A]

Why?

[B]

Because it's just grossing.

[A]

But you were making money.

[B]

I don't care. I didn't want to build my future there. I didn't want to build my life there. And the business.

[A]

Then why do you need to do this bullshit job where you make no money instead of run complicating the success you had?

[B]

Because to reopen my business. To be able to do that, I need to take out an $80,000 small business loan to be able to pay for the $80,000 small business loan.

[A]

Why? You already had the shit. Take it down here.

[B]

Because I couldn't. Why? My dad drove the trailer for me. I couldn't get a second trailer.

[A]

What?

[B]

It was like a $20,000 trailer.

[A]

Pause, pause, pause, pause, pause. Paw, paw, paw, pause. If you were making $80,000 a year, I think you could handle the investment of hiring someone. Someone to drive it down here?

[B]

Well, yeah. Well, yeah. But not while I wouldn't have been able to afford the driver while I'm working here once I got here.

[A]

If you were making $80,000 up there, how could you not afford it? That doesn't make sense.

[B]

Because the income was gonna stop when I moved.

[A]

That was. You were already making $80,000. You had to have had some money. Unless you're blowing it all again.

[B]

I have money saved. But that's as the down payment. That's for the down payment. But you wouldn't need to borrow if

[A]

you brought it all down.

[B]

Because. Because I couldn't though, even if I. It makes sense. You're just yelling.

[A]

No, it doesn't. It doesn't make sense. It does make it make sense.

[B]

Okay, so I had this business, right? It was a trailer. My dad was driving it. I couldn't drive the trailer. So to move down here, I had to sell the trailer to like, you know, obviously, because I couldn't take it with me.

[A]

No, see, the part that immediately doesn't make sense with there is you were making $80,000. So how did you not have enough money to move down here?

[B]

No, I did. I had enough money to move.

[A]

Why did you have to sell the trailer?

[B]

Because. Because I couldn't take it down here. So there was no problem.

[A]

Hire someone to do it.

[B]

Yeah, but even once I got it here, it would never leave the driveway because I can't drive it temporarily. Wrong.

[A]

What?

[B]

I'm not doing that. No, it just. It was better for me to get a temporary job that I can get the income to be able to.

[A]

Girl, what are you going to do with the 80,000 hour loan?

[B]

I'm going to buy a van. I'm going to buy a grooming van,

[A]

convert it to the van, move all the equipment into a van.

[B]

$100,000 to move it into a van.

[A]

All that equipment. So you already have the equipment they

[B]

need to buy the van? They need. I don't have any equipment. I have my tools. I have my tools. Listen, listen. I have to buy the van. It's a Ram Sprinter, sprinter van, whatever, right? They go for like 20,000 won. Like a cheap crummy one, right? So I'm gonna get the van, then I'm gonna send it to a company in New Jersey and they're gonna convert it. But they have to put a battery system in the back. Yeah, because I found a family company that's giving me a really good deal and they do beautiful conversion.

[A]

None of them are in Texas. There's grooming vans everywhere.

[B]

Girl, I have one in Texas, but like, they're giving me a good price and I'm worth.

[A]

A van across the country is like $2,000.

[B]

No, I'm gonna drive it.

[A]

Oh, I don't trust it.

[B]

I drove from here to Texas.

[A]

Yeah, you're lucky immediately.

[B]

I mean, from Jersey to Texas.

[A]

I don't trust you.

[B]

Well, I mean, that's you. You're not gonna be in the van.

[A]

You driving long distance.

[B]

I drove all the way to Austin too.

[A]

And you beat the odds.

[B]

I'm a good driver. Just because I don't have a car that drives itself doesn't mean I'm not a good driver.

[A]

That has nothing to do with it.

[B]

I'm not.

[A]

See how excited you got about Six Flags? Yeah, because I have to. Take me to Six Flags.

[B]

Oh, my God.

[A]

Cancel me for that.

[B]

So embarrassed.

[A]

Brandon, I'll let you do anything to me if you take me on the roller coaster.

[B]

Not anything.

[A]

It says every Christian girl who then takes it up the literal ass that evening.

[B]

Do you know this song? Jesus loves anal. No, it's like it goes like. I don't even know how it goes, bro, but it's like me in the ass. Cause I love cheese, though. That's so terrible. You've never worked on that. Yeah, keep that.

[A]

Keep tithing. That'll save you.

[B]

I'm working on it. God doesn't want you to clean yourself up before you get to him. He helps you clean yourself up. So I'm working on things.

[A]

That's a cope. Listen, if you want your Hammer financial score, get it for free. Calebhammer.com, take the test. Just takes a few minutes. See where you stand in the world of money, where you're doing great, where you're doing poorly, what you need to do to improve. If you don't want to be like a guest who ends up on the show. Show. So you're not doing this because this is a disaster.

[B]

But it works.

[A]

Make sure you. No, it literally doesn't. You spent way more than you made. Download the dollar wise budgeting app. It'll automate everything for you. Give you incredible insights into what exactly is going on and what you need to fix it is awesome. Take the free trial, Dollarwise.com or just in the app store of your choice, check out the free trial. Most people take the annual version because it saves almost 50%. And when you do the annual version, just like I signed this one, you will get my 30 day budget meal plan. It is an absolutely extensive detailed meal plan for every single day with drinks and snacks, desserts, everything included. It is awesome. This is yours to take home. You have no excuses to not meal plan meal prep on a budget. This is it. No excuses. And you can use H E B for it, which is what we basically have.

[B]

I've never been there before.

[A]

You are.

[B]

What? Oh, do you want that? I. I don't think I'm that stupid.

[A]

You're. How? You just. I don't hang on. That stupid. Like, if you just sound like that.

[B]

So I sound stupid? Oh, my.

[A]

Yes. Yes, you do. In fact, I would say. I would suggest yes.

[B]

Maybe that's just your opinion.

[A]

That's cool and I stand on it. Quicksilver.

[B]

Yeah. My only credit card.

[A]

See? Just even how you said, yeah, you are. And I love you for it. I don't hate you. For what it's worth, sometimes I hate people on the show. I don't hate you at all. You make me giggle.

[B]

It feels like you don't.

[A]

No, I'm just laughing at you.

[B]

I kind of laugh at myself sometimes too.

[A]

Does the other part of yourself know you are?

[B]

No, I'm. What? Laughing at myself.

[A]

Oh, okay. $2,097.31. Which has gone up.

[B]

Oh, yeah. It's way above that.

[A]

Wait, it's above that? No, I meant it was up from the previous.

[B]

Oh. Oh, no. The limit's higher than what you have on that page. Cause that's what it says. It's at. Right, that number at the bottom. Yeah. Oh, yeah.

[A]

Oh, yeah.

[B]

Oh, yeah.

[A]

Oh, yeah.

[B]

It's way higher.

[A]

It's way higher right now. Open up on your phone, please.

[B]

Texted me. Dead emojis. Dead face.

[A]

That means you're dead to him.

[B]

Thanks a lot.

[A]

You're welcome. We bring truth to relationship. Christian.

[B]

That feels judgmental.

[A]

Okay, there you go, being truthful. You should be.

[B]

This is the credit card, but my car loan is underneath is. And I just.

[A]

Shut. Shut up.

[B]

Well, I just.

[A]

Shut up. Stop. Let me look. Can I just look? Yeah, before you talk. Good death. This must feel. This must be what it feels like to be on the other side of the table for me. It's horrible.

[B]

Am I being that bad?

[A]

Yes. Shut up.

[B]

Sorry.

[A]

$2,664.94. Oh, it's. What's blink?

[B]

My cameras. So I have to pay 10.99amonth for the membership. So the camera.

[A]

1278. Oh, for your video save. Where?

[B]

On the Blink app.

[A]

What?

[B]

So if I don't. But what camera for Blink cameras. I have a front door camera and I have a camera in my living room.

[A]

Oh, this is a Security system.

[B]

Yeah.

[A]

I've not heard of this brand.

[B]

Yeah, it's like a nest. Oh, no, nest is temperature. It's like a ring camera, but blink. I think it's just like Ripple. Probably.

[A]

Okay. That's okay. You are.

[B]

Yeah.

[A]

Well, it's not a bad thing.

[B]

No, but yeah.

[A]

Oh, girl, you're not even on autopay.

[B]

No, no, but not really. Any reason why? I just don't. I don't know. I just didn't do it. But I go in and I pay the minimum every month. I paid $100 a couple days ago. The minimum right now is probably like 87 or something like that.

[A]

I'll do 87. I don't know why. Why the I'm trusting you for anything.

[B]

Well, you can check.

[A]

Shut up. Plus Peacock tv.

[B]

Yeah, that's the only streaming service. Well. And Amazon Prime.

[A]

That's the streaming service you chose out of all of them.

[B]

Yeah, and I knew you were gonna hate on it, but it's good. They have really good shows on it.

[A]

What, veggietales?

[B]

No, like the Burbs. That was a really good short series. And New Girl and the Office and Parks and Recreation. Those are all my comfort shows. I turn them on when I go to sleep at night.

[A]

Apple subscription doordash.

[B]

Yeah.

[A]

Creature. Peacock again. What?

[B]

The peacock turned ihop. Oh, yeah. We went after church.

[A]

Cause who?

[B]

My friend from college. She came into town. Okay.

[A]

Okay, good. You keep. Oh, shit. But then you doordash immediately after. I help the same day.

[B]

Oh, yeah. I got Panera that night.

[A]

Twilight spelled very weird. Lounge very expensive. 60 bucks.

[B]

We sat for a couple box.

[A]

Sat for a couple drinks, Christian.

[B]

Well, I didn't get drunk.

[A]

Drinking is still against the rules.

[B]

I mean, it depends on.

[A]

Depends on how much you want to cope.

[B]

No. Well, I guess, yeah, it depends on your interpretation.

[A]

Exactly. And everyone has a convenient one. Same with the Muslim couple I had on the show. Trust me.

[B]

Oh, yeah. That was insane.

[A]

Yeah, you were that same version on the other side.

[B]

Oh, well, okay. I'm just.

[A]

Cowboys Red River. I guess you didn't find one to bounce on that night.

[B]

Oh, my God. I've never left there with a man. Never.

[A]

Oh, I would suggest you should.

[B]

Why there?

[A]

Stop going back to the cheater. Find yourself a nice guy.

[B]

I tried that. I tried the church. Boy.

[A]

Oh, my goodness. Yeah. Lindsay says you go crazy for Jesus merch.

[B]

Oh, yeah? Yeah. Like my church. If. If they have like a set. I told her this the other day. Like, I don't care what's in my bank account. If the bills don't get paid, I'm taking it home. And they're expensive. Like, I have a set.

[A]

Can we get Tyler in here, please?

[B]

Almost 200 bucks.

[A]

Your favorite streamer. Every day on Twitch is 7pm Central. Tyler, I just need you to say it for me. Say what? Yeah. Oh, okay. What's up? My personal favorite song. You like the anal song? I like the. My favorite song is the one that's. Jesus Christ is my. That one. You know that song?

[B]

I have heard that song.

[A]

Yeah, that one's great. That's a great song. Okay, thank you, Tyler. I got you.

[B]

I got you.

[A]

Always live on twitch. Every day. 7pm real. What is it Real Lindo. I am Lindo. Every day, 7pm Central Time. You'll love them.

[B]

That's great. Great.

[A]

Let's make sure to put his Twitch in the description for this episode. Okay. Yes, I like that one. So, yeah, you spend an insane amount of money on here. This is going to take now like 18 years to pay off minimum payments only without doing any purchases. 18? Yes. Usually when people like you get pregnant and marry a military guy and then get divorced immediately.

[B]

I'm not.

[A]

Yeah, but that's what people like you do. But you didn't, so.

[B]

And I'm not a baby mama. Well, I mean. Well, I have. No, I have not had a baby myself.

[A]

I have abortion. Starbucks is bull and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and fatter. The 1 ranked energy drink is gamer. Literally. The cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at gamersupps gg or click that link in the description below. Type in code. Caleb. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

[B]

Whoa. No, no, no, no. I did not do that. No, I did not. I've never done that before. I don't plan on that. I just.

[A]

Wait, you're just giving very weird signals right now.

[B]

Oh, what do you mean? Well, cause I don't have like a

[A]

human kid, but the baby That I met in the green room.

[B]

Yeah, I mean, I have her, but.

[A]

Oh, where is he? Where is he? Is he or she? Yeah, she is very cute here, audience. I met her. Yeah, yeah, she's very cute. We do have a child in the studio today and she's. She's a beautiful girl.

[B]

Baby mama.

[A]

And this honestly makes sense because most people that I know that are just like. Only reptile owners are the most people, like, they're actually. They got like brain mush.

[B]

But there's a look at my web actually thought.

[A]

And then they accidentally kill it by like smashing it or something.

[B]

Oh my God, I would never do that.

[A]

Know my friend, my girl, my.

[B]

She's so good. Her name is Santana.

[A]

Hello, Santana. My sweet girl. Okay, you can hang out. So this will take 18 years to pay off, which is. And that's if you only do minimum monthly payments only without any purchases of what you are incapable of. Because you are going out to eat at least every other day. At minimum. Every other day. Day at minimum.

[B]

Yeah.

[A]

Sorry for yelling, princess.

[B]

I'm loud a lot, so. She's good. You can yell as much as you want.

[A]

Yeah, but she at least knows it's coming from like noises when you yell.

[B]

Oh, I don't yell like that.

[A]

Oh, she just.

[B]

She's starting to shed.

[A]

Yeah, she's starting to shed.

[B]

Her tail starts first.

[A]

They're so good.

[B]

My kids will meet her. They live for like 20 years. She's like three or four right now. Yeah.

[A]

And who are you having kids with?

[B]

Hopefully somebody. Hopefully a man.

[A]

Can it.

[B]

I'm old. Who's my husband?

[A]

I highly doubt you. Except women.

[B]

Oh no. Oh, sorry. I love women. I think they're beautiful. I don't swing that way.

[A]

Uh huh. So. So I think that you are going to pathetically go back to the cheater. Unfortunately.

[B]

Yeah.

[A]

Who is a fan of the show Allegedly. Which he turned.

[B]

He put me on.

[A]

You don't seem to be the best at relationships and staying loyal to a woman. But again, that is 18 years if you do not purchase and you are incapable of not purchasing. So this will be longer than 18 years.

[B]

Well, but here's the thing is I'm hoping, not hoping. I'm working on making my income go up, so shut the up.

[A]

This isn't an income issue.

[B]

Yeah, it is.

[A]

No, no, no, no, no. Girl, you just spent literally hundreds of dollars going out to eat.

[B]

But when I was making $10,000 a month, I was able to pay my credit card off monthly. You can leave her.

[A]

She probably won't no, I'm getting her off the paper.

[B]

Oh, sorry, sorry.

[A]

Then on here it says it's a more doordash from a different month than CVS and Amazon. Pull up your Amazon interest accruing. Surprisingly no late payments on there.

[B]

See, I'm good at it. I could.

[A]

She eats crickets, right?

[B]

Not so much anymore. As they get older, they become more herbivore when they're really.

[A]

She's just eating plants?

[B]

Not only, but mainly, yeah.

[A]

What does she eat?

[B]

Well, so sometimes I have like a freeze dried thing and I'll give her it's freeze dried mealworms, crickets and grasshoppers.

[A]

Are you sure she actually likes this? How would we know?

[B]

So when she's just like not happy, she is usually attempting to run away, but then also like this part of

[A]

her but also belly gets blast. I feel like there's in between happy and not happy.

[B]

Well, let's see.

[A]

How do we know she actively enjoys it? Cause I want to pet her if she likes it.

[B]

No, and she does like it. So this is what I'm trying to tell you. So this part of her chin right

[A]

here, like she's showing it.

[B]

This part would turn black if she starts to get agitated.

[A]

Well, it is right there.

[B]

Well, no, but that's why I'm saying the whole bottom of her chin would turn this color black if she was agitated or like and it, it's different levels of it. So when she's like.

[A]

So what, she eats crickets and plants now?

[B]

Yeah, mainly plants. She loves zucchini.

[A]

Autistic section.

[B]

She loves carrots. Make her show me the oop stink.

[A]

But yeah, that's why I couldn't have these kind of creatures. I love them, but I just don't. The whole cage maintenance last three months.

[B]

Or do you want. Yeah, last three months. Do you want? Well, yes.

[A]

Just give me your Amazon.

[B]

Sorry. You scared her.

[A]

Well, that's her problem for being an animal on this show. I know, honey, I love her, but do got shit to do. Tanning cream. Yeah, I see it. Okay, you have a bunny cage.

[B]

No, that was my face wash. You have a. It's a skincare line.

[A]

You have a bunny.

[B]

No, I bought it for her.

[A]

She's licked you.

[B]

Yeah, that's how she explores. Okay, so that little cage, Brandon will

[A]

let you explore him like that later.

[B]

So I bought that little thing for her. So when I take her out on

[A]

my patio, I don't care.

[B]

I don't have to worry about her running out of her.

[A]

You got her for a big box Of Ferrari. Any snacks?

[B]

That was Dylan. There's so much present. I bought him a present.

[A]

Who?

[B]

My ex. I sent him.

[A]

Oh, for sake. What a. You don't have money. Dishwasher. Safe. Chopsticks. You just don't need chopsticks though. This is the thing. You don't need that to survive. Soothing cream. Your soothing cream.

[B]

That's skincare. Still.

[A]

Stop. I don't care. Shape shelves. You don't need it. Clothes that I guarantee you don't need. Cause you probably already have. Shit. Yoga mats. Multiple.

[B]

Well, one's a towel.

[A]

A ball pillow. You don't need a ball pillow. I treat myself the outfit of a dominatrix whore.

[B]

Oh my gosh, it's getting returned.

[A]

You decided not to be a dominatrix whore any longer?

[B]

No, the shorts were too big. It was like a western thing. Not a dominatrix sign.

[A]

Whore.

[B]

Well, at least it's getting returned.

[A]

Yeah, you could use a little bit of whoring in your life because you're about to go back to a cheater. Which is insane. Which is like, why? Why the is that acceptable? Debt owed to parents? 35,000. For what? That is insane. That is disgusting. That is unacceptable. Why at 22? What the is wrong with you?

[B]

They helped me open my business and pay for school. They laid out for you.

[A]

You were making $80,000 a year. You're in. You animal. Why was this not paid off, you selfish beast.

[B]

Yeah, well, what a response. I was paying like $500 a month when I was working.

[A]

Remember when he said he runs away if he's not happy? He's trying to run away.

[B]

Well, he's probably trying to explore the table.

[A]

Cuz he was like, so what is it? Run away or explore?

[B]

Well, when she's got her tongue out, it's exploring. But if she's black and she licked me, remember?

[A]

Yeah, like five minutes.

[B]

But well, she. She did it again after you said that.

[A]

Why'd you not pay them back, you pathetic creature?

[B]

I've made payments on it and I paid them 5,000 out of the number that I got from selling the business.

[A]

500.

[B]

5,000. Did I say 5,000?

[A]

I sold the business.

[B]

Yes, I sold the trailer. The business itself didn't like the clientele didn't get sold. But the why? Because I wouldn't. I wasn't able to take it. In my logical mind. I couldn't take it.

[A]

You do not have a logical mind. She's more intelligent than you. How much did you sell the trailer for? That would cost $80,000 to build Autoledge.

[B]

I. I don't. I don't really remember. I. I think.

[A]

Girl, this was a couple years ago. Shut the up. Tell me how much you sold it for.

[B]

Well, I think it was like 20, but I'm not really sure. So.

[A]

20,000?

[B]

Yeah, but it was.

[A]

And you gave your parents 5,000.

[B]

Well, so I think it was less than 20 because I don't think we made our money. So I. I thought I had paid some debt offer.

[A]

I'm calling your dad in the post show. I'm calling your dad in the post show. I'm going to tell him what you're spending is like today. And I hire your finances today instead of paying them back. Cuz it is disgusting and selfish.

[B]

Well, I.

[A]

You haven't made a payment to them since you moved to Texas. When did you. Where is Daredevil? I'm right here. Don't miss the return of Marvel Television's Daredevil Born Again.

[B]

So what's next?

[A]

I feel liberated. We're going to take this city back over medicated in an all new season now streaming only on Disney Plus. They're hunting us.

[B]

It's just we started hunting them.

[A]

I can work with them.

[B]

This should be tons of fun.

[A]

Marvel Television's Daredevil Born Again now streaming only on Disney.

[B]

You moved to Texas last June.

[A]

And why'd you pick Dallas?

[B]

Well, cause I just. I don't know. I've never been to Texas before I moved.

[A]

But why'd you pick Dallas? That's. There's a lot of black people there. You hate them.

[B]

I don't hate black people. I do.

[A]

So you say they're chopped.

[B]

She's chopped again. She could have been white. She could have been anything. She was still chopped. Her skin color doesn't matter. There are very beautiful African American women in the world.

[A]

Okay?

[B]

She was not one of them.

[A]

So cope. Ooh.

[B]

I mean, again, she could have been white. She could have been anything. If you're not. So you're not on a minimum monthly

[A]

payment to your parents.

[B]

Not anymore. No. I was paying.

[A]

Yeah, because you moved here and decided you wanted to have fun again.

[B]

No. Well, yes.

[A]

That's what you do. That's where all your money goes.

[B]

Yeah. Cause I was trying to make my quality. I felt like my quality of life should be better. Better. See, no, she's. She won't bite you. So this is what she does when she wants to like explore. But if she was running away distressed, not liking the exploration, her. Her whole belly, like her whole underneath would be black. Does that make sense?

[A]

Yes. I'm not like you. Well, you're not responding, but I'm listen some. Sometimes it's okay to just listen.

[B]

But then how do you know if someone hurt you?

[A]

You okay? There's something in here. There was a car loan. I saw.

[B]

Yeah, that's.

[A]

Where is that?

[B]

It's connected to Capital One, but it's probably.

[A]

I don't see it.

[B]

Well. Oh, do you not have it? Oh.

[A]

Oh, I guess it came after. I mean, we can look at your chair checking account first. Okay, what do I see here? $0, right? The exact same amount of money that went in, went out because you just transfer. Are you kidding me? So all that money we saw spending on the credit card. When I said she eats out every other day, that's not true. She then eats at the same amount in here. Cowboys. Red River Escapade. Escapade. Uber trip. Cow town Coliseum. Cow town Coliseum. Cow town Coliseum.

[B]

We went to the rodeo.

[A]

We Shut the up. We. I don't give a shit. Stop. Shut the up. Uber trip Walmart. Zelling out Money. Cash app sending out. Who are you sending cash app money to? Who are you sending cash app money to?

[B]

I got scammed through bitcoin.

[A]

And you don't think you're getting scammed with the African child?

[B]

No, no, no, no. It's a very reliable website.

[A]

Longhorn Ice House. I think I almost went there, but I didn't.

[B]

I deleted it.

[A]

Okay.

[B]

And I recorded it as well.

[A]

Going inside getting some bullshit crumble. TJ Maxx. Going inside getting some. What are you going inside the gas station getting? $4.32.

[B]

Probably a snack.

[A]

What do you get?

[B]

Like a Twix bar or something? Cause I don't. I don't do energy drinks.

[A]

That's okay, that's fine.

[B]

Or coffee.

[A]

Well, you don't need to do.

[B]

I know, I tried the gamer subs, it's amazing.

[A]

But this is an energy drink. This is the hydration version. So this is electrolytes. Oh no energy. This is caffeine free. So here you go. Cuz there are caffeine free versions for the electrolyte versions of the drinks. Get your free samples to figure out what flavor you like. Typing in code Caleb at Gamer Subs GG Link in the description below. Not a scam. And then figure out what flavor you like. And it's 40 cents a serving.

[B]

Are the cans the same prices? Are they still serving?

[A]

No, but if you get them like that, where you make it yourself, that's where it's cheap.

[B]

That's What?

[A]

I thought T.J. maxx getting some bullshit sheen that's doing a lot of heavy lifting. Amazon. Bullshit. Bullshit. Amazon Prime. Ben moving out money. Benihana. In N Out. Fashion. Nova. Apple. Cash. Cash. Rockham Selling out money. Chipotle Reservoir. Samus Forest. Cash app again. Texas Nail bar. Not worth it. Auto statement. Okay. What's your car?

[B]

About 300. It's like 289.

[A]

What is your car, you moron? What kind of car do you have, you freak?

[B]

It's a 2018 Audi A4.

[A]

What are you doing with that?

[B]

Driving it.

[A]

Isn't that a nice car?

[B]

Yeah, it is.

[A]

It's worth 9,500. Yeah. You owe $13,831.45.

[B]

I knew I was.

[A]

Minimum monthly payment $295.72.

[B]

It's cuz it has really high.

[A]

What's the interest rate?

[B]

Nine point something.

[A]

Oh, that's not good. What's up? What's the mileage?

[B]

Over 100,000 miles. House. Oh, and I.

[A]

Why'd you buy this? After you totaled that last car?

[B]

It was the cheapest car on the lot that I could find. What?

[A]

Go to a different lot? You dumb. Weren't you in Dallas?

[B]

Yeah. Well, so you know what.

[A]

What places have a lot of lots? Texas cities. There are car dealerships every five minutes.

[B]

I know. So here's the thing though. Is like a different lot.

[A]

Freak. No. It's at a 9.9percent interest rate of death.

[B]

And I'm underwater.

[A]

But you are underwater. You did not get a good deal. It's at 100,000 miles.

[B]

I know, but they cut like a couple thousand off of girl from their price.

[A]

Not the real price. You.

[B]

They gave it to me for what they owned the car for. My friend works there.

[A]

Oh my goodness.

[B]

She helped me get the deal.

[A]

I can't. I can't break through. I can't break through. There's no breaking through, girl. You're lost. Good luck in the rest of life. I'm gonna go. Go. Get back. No, you're not. Yeah, get back with the cheater.

[B]

Get back with the cheater.

[A]

Good luck. He's gonna knock you up. He's gonna knock you up.

[B]

He's not. He's not.

[A]

How do you know? Because you're on birth control.

[B]

No. And I probably never will be. There's other forms of birth control.

[A]

What?

[B]

Abstinence.

[A]

Oh. Oh, they're. Oh, they're. So she's gonna come back with 10 children.

[B]

Oh. But hopefully a wedding ring if I come back.

[A]

Yeah. With a cheater. Pathetic. Okay. 4.5% interest rate for some loan that is $12,206.09.

[B]

What is that, college? I went to Iowa State for, like, two years.

[A]

Of course you did. Okay.

[B]

I wanted to be a veterinarian.

[A]

You belong in the corn. And I'm glad you're not. Cause I want my animals to stay alive when there's issues happening.

[B]

I'm good with animals.

[A]

You're good at being nice to them.

[B]

That's really all you have to do to them.

[A]

What's darker? His scales are her arm hair.

[B]

Oh, my gosh. I should have worn long sleeves. Holy shit. You have arm hair, too.

[A]

All right, yes, I do. A man. That's weird.

[B]

Well, but whatever.

[A]

Usually trad wives just don't have arm hair. And I know you want to be a trad wife, so do you want

[B]

me to start shaving my arms?

[A]

You're not gonna be my trad wife. No laser hair removal.

[B]

I want a trad wife. Yeah. Do you know how expensive that is?

[A]

Yeah. You better go get a man that doesn't cheat on you, that makes good money.

[B]

I'm gonna reopen my business and just make.

[A]

Yeah, after you borrow 80,000. Remember this? That's how this story ends. She borrows $80,000.

[B]

Those fans are worth.

[A]

She's gonna quadruple her debt.

[B]

Thousand dollars. I have to quadruple my debt.

[A]

Minimum to payment, 91.55. Okay, here's the mohela.

[B]

Yeah. Okay.

[A]

Them together is $4,430 and 7 cents. Minimum monthly payment, 54.68. Okay. That's not. Not horrendous. I'm sure it's low rates.

[B]

Yeah, it's. I, I. Well, I don't know the rates, but. But I know the payment isn't that bad.

[A]

Abstinence only.

[B]

Well, no, I mean, obviously, there's, like, more if you're going to.

[A]

What?

[B]

Well, condoms.

[A]

Okay. Did you guys always wear condoms?

[B]

No, not when we were active.

[A]

Yes, you are going to get pregnant. I think it's because I'm making lots of noises. Huh? You want to lick me? Yes. You do. Hello. Do I taste good? I'm sorry. Your mother is. Okay.

[B]

Oh. Or she might. She might.

[A]

Okay, put her away then.

[B]

Yeah. Okay. Sometimes she gets, like, really active when she has to poop because she doesn't want to poop where she hangs out.

[A]

$2,099 in this account, down from 2,300. Daniel. Sharpening.

[B]

Yeah, because I need to get my scissors sharpened for work and, like, my blades and stuff. Okay, but that Came out of my business account.

[A]

Oh good, she has a business account.

[B]

Well yeah. I have a Robin Hood.

[A]

$6,000 and what?

[B]

I don't know. Pull up your Robin Hood, it almost got scammed.

[A]

Trad guy that ends up with you. Actually no. A lot of trad guys.

[B]

I'm great. I'm a good cook. Like I clean.

[A]

You want to be actual super trad?

[B]

Yeah.

[A]

You just want to cook and clean and like.

[B]

And without babies. Yeah, yeah. And like I want to have my business up and running so it's self sufficient.

[A]

So isn't this what you want, Brandon?

[B]

So when I, like when I go, when I do get pregnant, my business is fully self sufficient and I just bring in income.

[A]

Oh yeah, you're ruining it with your business thing.

[B]

I'm just delaying it.

[A]

Okay. She just has it all in JP Morgan's stock.

[B]

Oh yeah. Cause I didn't know what else to put it in and I felt like I used Chase as a Bank. So J.P. morgan and Chase bank, right?

[A]

Oh man, is that wrong?

[B]

What do you think I should do with it?

[A]

And here's the CD of 10,000. That's also just stupid. I don't really see the point.

[B]

That's all my small business startups. So that's that total. Like give it to your parents.

[A]

10,000 you owe them.

[B]

No, because then I want to be able to open my business again and I want to do that in the year, in this year, in 2026.

[A]

And borrow 80,000.

[B]

I can't borrow 80,000 without some sort of down payment chat.

[A]

We are so cooked this account down. Pay 75. No you're not. That's your transfers.

[B]

You'll see. I'mma prove it to you.

[A]

Okay? Please do. But usually in order to do that it means you have to do the bad thing in order to do it.

[B]

So what bad thing?

[A]

Borrow the money? Well yeah, this time not from someone as forgiving as your parents.

[B]

Well yeah, I'm going to borrow it from a real bank.

[A]

That's bad. Bad.

[B]

Oh well.

[A]

Cuz your parents are letting you not pay the minimum right now. Cuz they're flexible. Cuz life happened.

[B]

Yeah, cuz I'm not making enough money yet.

[A]

$3,000.

[B]

It's an income issue. Shut the up. Oh yeah, she's got a poop.

[A]

Let her drop. Drop those dumps then. I have no problem with it. Okay, minimum the debt payments. $528.95. What is your rent? 1350 and all utilities combined, plus Internet 200. Okay.

[B]

Cause I pay 50. Yeah. Because I pay like 50. Between 40 and 50 for utilities through the apartment complex and then I pay about $52 for Internet and then I pay between 120 to $160 for electric. But I think I'm getting screwed over by my electric company.

[A]

Oh, you're probably. Regardless. $220. Okay. Phone bill and car insurance combined you give to your dad. How much is that again?

[B]

225.

[A]

Okay. Gas? Vroom, vroom. Drive, drive. How much?

[B]

75 every two weeks. So is that 150amonth?

[A]

How much?

[B]

About 75amonth every two weeks. So like. Okay, so let's say like. No, no.

[A]

60amonth.

[B]

Yeah, yeah, yeah. Sorry, sorry.

[A]

Okay. Necessary food, 300 hours. Use the meal plan. Make sure you get it by signing up for the annual version of dollar wise.

[B]

Yes, I actually spend 50 a week on groceries.

[A]

Okay, 300. You go out to eat every day. That's your. It's. That's how the math works. Hundred dollars for everything else you need, including your morning after pills that are definitely going to be needed.

[B]

Oh my gosh.

[A]

Medical healthcare. How much on a copay basis? Why not?

[B]

I think my co pay is only $15. But I'm on my parents health insurance and everything.

[A]

Hmm.

[B]

I'm on my parents health insurance.

[A]

About 50amonth.

[B]

15 for a copay? Like if I go to the doctor.

[A]

How often do you go? What about medications and shit?

[B]

I pay 20 bucks every three months for medications.

[A]

Okay, I'll just. You just put it in then. I'm just gonna put five bucks. Is there a gym?

[B]

Yes.

[A]

How much?

[B]

Like 30 bucks.

[A]

Good. How much for pet food, pet care, all that stuff for him.

[B]

Super. Oh sh.

[A]

Just how much?

[B]

I don't really spend a lot. Probably 20 bucks a month.

[A]

Is it stinky?

[B]

Well, no, but I just sit down and she. Well, it might be stinky.

[A]

I'm proud of her. Anything else that needs to be in the budget?

[B]

Well. Well, not necessity, I don't think.

[A]

Stop freaking out about the animal. Oh, subscriptions. I'll put 40. Why? She pooped. Isn't that what the cage is for?

[B]

Well, yeah, but it's her travel cage so I don't want her to like see anything.

[A]

She was gonna poop in your three hour drive down, three hour drive up and three hours here.

[B]

She didn't on her 24 hour drive from Jersey to Texas.

[A]

Well, you've been feeding her. Well, you're basically break even. Listen, it's $2,918.95 and I'm sure we're missing some and you make 3,000 hours a month. So here's the reality. You are not going to be able to pay off your debt, especially with your mindset. You're going to go into more debt in order to open this business and good luck on all that shit.

[B]

But it's not going to pay.

[A]

Shut the up. You're not going to pay your in a different place with the generosity and flexibility of your parents. Now you're going to have a minimum payment of this loan that is going to be tied to something. Most likely good luck. But either way it doesn't matter. Here's the reality. Go make an extra thousand dollars a month by working another job job or by working more hours there, getting more clients, posting social media more if that's what you need to do. And when you do that, you will be able to pay off your bad debt. Unless. Well actually, okay, you'll be able to pay off your quicksilver card in a couple months and then honestly just use the. It used to be called the fizz card, now it is the mine card. Use that debit card that builds credit only allows you to spend on in your checking account. Stop using the quicksilver. I'll get you a accounting certification from course careers that'll help you run your business. And I want you to see if you can start small instead of borrowing so much. Get rid of debt before you go into this thing because you're just going to accumulate so much risk and it makes no sense.

[B]

Can I ask you a question about that though?

[A]

Yes.

[B]

So I know you're not in support of this small business loan, but. So to get the small business loan I need to have a certain number of lines of credit open. So. So I was under the impression.

[A]

I'm not saying close any well, but

[B]

if I pay it off, it's a line of credit still even if it's at zero.

[A]

Just put your gas on it, dude, you'll be fine.

[B]

But that's only one line of credit is the credit card aren't the. Aren't the car loans and those aren't the credit cards before you even touch it.

[A]

But even still, it doesn't, it doesn't matter.

[B]

I just don't mind. She was getting close to your foot. Sorry.

[A]

Oh, she's out and about. I didn't know that. I almost crushed her.

[B]

Keep her on the line.

[A]

Listen, I don't know. I honestly don't believe anything good's gonna happen here. So I. Whatever. But listen, you just have to go make more Money. And then you can pay off debt. I would just do small, large sales. Paid off minimum payments and student loans until it's done. Same with the parents. And you just gotta treat them with respect before you get more debt. And I think this business thing is stupid, but whatever. Guys, I'm gonna do the Hammer financial score. But first make sure you join us for the post show. It's gonna be good. I'm gonna call her down and confront her. And also.

[B]

Oh no.

[A]

Delilah went to jail. We will learn about that. What the okay. What the okay. Spending money in a budget. You overspent. Zero out of ten debt, no collections. Your parent dads. That's not great. It's gonna be a 2 out of 10 emergency fund. Nothing really. A CD. I don't know. It kind of works. Ah, I'll give you a 5 out of 10 there. Retirement 22. You're not expected to have too much at this point. You are. Shut the up. Shut the up. And the Chase thing is a decent start. I'll give you a 2 out of 10 out of just being generous. Real estate, 0 out of 10. You need to learn to shut the up like a good trad wife.

[B]

Yes, sir.

[A]

You don't have to call me. Sorry, I'm not looking for trad. I don't give a about that. That's not me. Brandon would like it. I like a woman who can speak out. Gives me an excuse to hit her. That's a 2 out of 10.

[B]

Did I not just speak out? Now I feel like I'm hittable.

[A]

Like by the way, that I was making a joke. Oh, guys, we have a lot to talk about in this post show. Make sure you join Hammerly. It's incredible. Best membership on YouTube and premium shows every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. See you there. Call your dad right now, okay? Right now. Hey, I want to talk to you about this debt that your daughter owes you of $35,000.

[B]

Yeah, yeah.

[A]

When can I get paid? That feels like a betrayal frail to me, honestly. How do I go about getting my money back? Because that's my retirement. Zell Venmo Cash. Talk about being taken advantage of, right? Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pin comment or description below. This is the best membership you'll ever join. That's a promise.