The Most Hated Woman In Financial Audit History

Summary

Financial Audit Podcast

Episode: The Most Hated Woman In Financial Audit History

Host: Caleb Hammer
Guest: Camille, 22, Newcastle, PA
Date: July 29, 2026

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Episode Overview

This episode of Financial Audit features Camille, a 22-year-old direct support professional from a small town in Pennsylvania. Through a rollercoaster conversation, host Caleb Hammer examines not only Camille's financial situation—marked by consumer debt, parental enablement, and ongoing budget struggles—but also delves critically and unfiltered into her personal life choices, social attitudes, and generational conflicts. The episode is a candid, sometimes uncomfortable display of early adulthood in the age of social media, dating apps, and online financial quick-fixes—with Caleb pulling no punches.

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Key Discussion Points & Insights

1. Camille’s Work & Income (02:21–07:00)

• Job & Wages: Camille works as a direct support professional (DSP) making $20/hr plus $0.67/mile for driving. Grosses roughly $3,200/month with mileage reimbursement (02:32–03:33).
• Early Burnout: Despite being new in her job, Camille describes feeling burnt out and requests time off, a decision Caleb strongly critiques, noting her lack of long-term workforce experience and pointing out that empathy burnout at her age is premature (04:19–08:12).
• Job History: Camille explains her prior position, also as a DSP, and frequent overtime leading to 48-hour workweeks—but Caleb maintains this is normal and not sufficient grounds for burnout.

Quote:
“Empathy burnout is the least of anyone’s concern from what they’ve done throughout all of human history.”
—Caleb (07:19)

2. Personal Life & Social Media Dynamics

Sugar Daddies, Dating Apps, & OnlyFans Culture (12:02–16:46)

• Yik Yak & “Accidental” Sugar Daddy: Camille describes how an offhand post about wanting a sugar daddy led to a man paying for explicit photos. She insists it happened “accidentally,” which Caleb skewers:
  • “You don’t just stumble into a sugar daddy accidentally… Whoopsie. Slipped inside.” (12:08)
• Nudes for Money: Admits to sending nudes via Snapchat, making $150–$200 per photo set. (13:01–14:08)
• Hookup Culture & Financial Regret: Camille drove to other colleges for casual hookups, racked up debt from gas costs, and regrets not “monetizing” her sexual experiences. Caleb pushes hard against Camille’s mix of fun and regret.

Quote:
“Why should you get money for fun? Weren’t you having fun?”
—Caleb (16:25)

Critique of Modern Dating & Gender Norms (17:08–28:10)

• Tinder: Usage for both fun and “torturing” men:
  “I have a collection of screenshots of me torturing men [on Tinder].” —Camille (33:09)
• Consent & Double Standards: Camille recounts a recent Tinder date where she felt a man overstepped, while Caleb sharply confronts her shifting narrative and challenges her framing of men as creeps for behavior she herself engaged in (17:20–22:11; 25:28–28:44).
• Weaponizing Victimhood: A recurring theme is Caleb’s deep frustration with what he calls “TikTok brained professional victims,” expressing skepticism about Camille and similar claims online.

Memorable Moment:
“If you are unable, because of your empathy, to say you’re not interested in something, then you are not able to put yourself in those situations.”
—Caleb (37:13)

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3. Enabling, Entitlement, & Family Dynamics (43:37–47:46)

• Parental Support: Camille’s mom covers rent, utilities, phone bill, groceries, and part of her car payment; also pays minimums on some credit card debts (64:09–64:42; 87:25–88:13).
• No Rent, No Shared Expenses: Caleb repeatedly calls out Camille’s lack of contributions and sense of entitlement—even regarding essentials.
• Closely Linked Decisions: Camille’s mother is deeply involved in her decisions (e.g., switching college majors, finances), something Caleb warns against.

Quote:
"There is no reason you're in debt. Do you have to provide anything for utilities?... You're disgusting."
—Caleb (87:25)

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4. Camille’s Financial Audit (Throughout, esp. 54:11–86:24)

Income & Outgoings

• Consistent $3,200/month income (02:30–07:13)
• Expenses grossly exceed income, mostly on discretionary purchases: coffee, fast food, energy drinks, shopping, travel, concerts, trip preparation, dating app splurges.
• Despite no rent or utility bills, Camille’s debt rises monthly.

Debt Situation

• Credit Cards: Multiple, high-interest (up to 36%), mostly maxed out. Store cards (Victoria’s Secret, American Eagle, etc.) heavily used despite accruing major interest.
• Amazon Card: Over the limit; attempts to “overpay” are futile as her spending exceeds payments.
• Mother’s Debt: Mom paying a $2,787 balance minimum only; will take >11 years at current payment rate.

Quote:
"Your debt is not the same as everyone else's—it's a unique blend of consumer debt, parental debt, and a refusal to make financial sacrifices."
—Caleb (paraphrased from 54:11–65:39)

Budget Discipline

• Demonstrated inability to follow a budget or restrict non-essentials.
• Defensive rationale for her spending ("just this once," "for the trip," "I'll pay it off later").
• Plans to finish a psych degree before starting a slow nursing pathway, though encouraged by Caleb to transfer immediately and shorten the process for financial benefit.

Future Financial Plan (or Lack Thereof)

• Camille outlines vague intentions to finish school, move to Pittsburgh without a roommate, and buy furniture preemptively—without any realistic relationship between income and living costs.
• Justifies delayed action by waiting for mom’s approval/advice.

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Notable Quotes & Moments

• “You’re not a victim to the world. You’re only a victim to yourself.” —Caleb (83:01)
• “I feel like once I’m smarter with it, I can like… just use [my card] for the store and pay it off immediately.” —Camille (73:53)
• "Do not recognize that on the first card, the Avant, that you literally got a credit limit increase… before coming on Financial Audit, and you already doubled your balance up to that limit?" —Caleb (65:47)
• “Be a whore if you want to be a whore. I love it. I’m a whore myself. But the thing is, don’t try to cancel people for being a whore and making a move on you.” —Caleb (36:40)
• “You disgust me. You disgust me. This is pathetic.” —Caleb (87:47)
• “Get yourself calebhammer.com. it's updated. It's better now. It's reflects the actual score. And now come join us for what is definitely going to be practically the best post show we’ve ever done…” —Caleb (55:11)

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Timestamps for Major Segments

| Segment | Time | |------------------------------------------|-----------| | Camille introduction & work background | 02:21–07:00| | Early burnout & empathy discussion | 04:19–08:12| | Sugar daddies/nudes for money | 12:02–14:08| | College hookups, regret, debt | 15:03–16:46| | Tinder, weaponizing victimhood | 17:08–28:44| | Critique of modern dating/victim culture | 25:19–31:26| | Gift giving & family dynamics | 41:17–47:46| | Financial audit (income, debt, spending) | 54:11–86:24| | Budget hypocrisy & future planning | 66:17–70:19| | Budget calculation & spending breakdown | 87:25–88:37| | Final judgments & score | 90:38–91:37|

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Tone, Style, & Closing Thoughts

This episode stands out for the sheer bluntness and at times, aggression of Caleb’s critique. His tone is openly skeptical, confrontational, and laced with dark humor and exasperation. The dynamic with Camille is alternately combative, bemused, and at points, almost sympathetic—though always underscored by a refusal to accept rationalizations or self-victimization.

Memorable Episode Taglines:

• "You are not a victim. You are not a victim because you are a woman. You are not a victim because you are 22 and your frontal lobe’s not fully developed."
• "You will never make a sacrifice because you have no accountability."
• "Even people who destroy our society need help too."

Listeners can expect a no-holds-barred deconstruction of both millennial/gen Z money mismanagement and the modern dating landscape, with plenty of provocative debate about accountability, entitlement, and personal responsibility.

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End of Summary

Transcript

[A]

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[B]

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[A]

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[B]

I would send news for money.

[A]

I want to show you, unfortunately, the modern young woman in grand display.

[B]

So because I was in Austin, I'm like, oh, let me get Tinder again. To explore the area with a attractive male. He fought low key, followed me up to my hotel room. Who? This guy from Tinder.

[A]

So you met.

[B]

And then he was trying to hook up with me and I was like, no, I'm not like that anymore. And then I lowkey kicked him out.

[A]

She went around of guys and hooked up. Okay, that's good. She consented to it. They consented to it. Then she flew here in Austin, chose to meet up with a guy. The guy wanted a hookup and she just made him sound like a creep.

[B]

Said no to him multiple times, like he was trying to take off my clothes. And I'm like, no.

[A]

What? No, no, no. You are pushing the goalpost. She did not say that. You are literally why? Nobody believes any claims, any assault claims, anything at all. You have destroyed it. The girl you met last night is trying to insinuate that you assaulted her. Please give me a call back. You gotta hear his side of the story.

[B]

I right, yeah.

[A]

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[B]

Hi, my Name's Camille. I'm 22 years old. I'm from Newcastle, Pennsylvania and this is financial audit.

[A]

Thanks for coming down to Austin. What do you do up in Newcastle for a living?

[B]

I work as a direct support professional or dsp.

[A]

Okay, cool. What are you making?

[B]

I'm actually making pretty good for the area. I make $20 an hour and then also I get gas mileage reimbursement every month.

[A]

Okay, well, are you driving all over the place?

[B]

Oh, yes.

[A]

Is what's happening.

[B]

Yes. You get 67 cents per mile.

[A]

Okay, does. Okay, so what, what hits your account then for paycheck cycle.

[B]

So right now I'm kind of in the starting period cuz I just started this job like in May, so it's kind of like. Wait, I'm unsure. April?

[A]

May.

[B]

Cuz I had a different job.

[A]

I mean you're over a month in at this point, so.

[B]

But it's kind of like my boss don't want to like throw me to the wolf. She kind of wanted to like set me up a little.

[A]

Sure, but are you not working your full time?

[B]

Well right now? My last paycheck was like average 37 per week, but I also had the mileage. 37, 37.5 hours each week.

[A]

No, no. What's the number that hits?

[B]

I would say that one was like 1,600 with the gas mileage reimbursement per week every two weeks, by every two.

[A]

Okay, so 1,600 you said?

[B]

Yes.

[A]

Okay, so are we thinking it's going to be that 3200? Listen, Newcastle. I'm honestly not as familiar. What, what major city is it near? I don't.

[B]

I'm like halfway between Youngstown, Ohio. Oh, and Pittsburgh, Pennsylvania.

[A]

Okay, so this is not an insanely expensive cost of living area, so you should be fine doing that. And listen, at 22, that is not a bad place to be whatsoever. You know, if we're there by like mid-40s, you know, different conversation but with where you are, that. That is actually pretty good. You sure didn't have to be on the show. You're doing very well. But now I am being told you're already kind of arguing with your boss about the hours and you're like sending texts and you're acting kind of and like trying to get your hours shifted and stuff.

[B]

Oh, I was starting to get a little bit burnt out because I would work now.

[A]

You're not a month into the job burnout last year. Burnout is you never had a job, you've never had a career. You're barely in your working life.

[B]

I had My other job for a year, and I got very burnt out because that was like 40 hours a week. And I was doing a lot of overtime, too.

[A]

40 hours a week. Okay. That's normal. We all do that and we all do a little extra overtime. How much overtime?

[B]

Like one or two extra shifts. But the shifts would be like.

[A]

What was the job?

[B]

It was another DSP position, but it was more like clients where they had more needs.

[A]

So how many hours a week were you working?

[B]

Probably like around 48.

[A]

Okay. Which, I mean, listen, you're not really in the place of burnout though, like.

[B]

Oh, it's just over and over and just a lot of issues I was

[A]

having of literally having energy and mental ability.

[B]

Oh, nope.

[A]

Not in your entire life.

[B]

Nope. I got narcolepsy energy still the prime

[A]

of where you're going to be forever?

[B]

Not now.

[A]

Is your narcolepsy going to go away? So you'll probably have more energy now

[B]

than you will at 40 come on vacation. But like, I had to drop out of school in October because of it.

[A]

Okay, Yeah. I mean, okay, that's sad, I guess. But I'm just saying in terms of burnout and whatnot, like this young twenties is when you will have the most energy versus later in life. So if you're already experiencing burnout now, when there's people doing nursing and doctors and all this stuff, working more hours than that, firefighters, police officers, you can name a thousand positions. I think I work that many hours. You know, it's not, It's. I'm not, I guess, on the feet. On my feet. Working with why I am working with. But besides that, it's. If you're experiencing burnout now, you're not going to survive. What would you say to the drivers that can't even do 500 miles a day? They got soft hands.

[B]

It's more like for this job, I was working six days a week.

[A]

Sure, but you're only texting your current manager about moving your hours.

[B]

Yeah.

[A]

So I'm not even talking about the previous job. I'm talking about now, this job job you're less than a job in and you're already, like, trying to change.

[B]

No, I just wanted to. And it's only me. It's a new company. No, it's a new, like, literally a new company started in March. I am the only DSP there right now.

[A]

I don't know if I'd asked for two days off in my first month, though. It just looks normal.

[B]

It's just. It was spaced out a lot and I was like, hey, like I do need. Like I'm. I need like two days.

[A]

Weekend.

[B]

Do you mean not a weekend? No, like during two days off? No, a normal two days off. Before I was only getting one day off during the week and.

[A]

Okay, but I'm sorry, if you're the only employee and this is literally less than a month into the job and you're asking for two days off during the week when the work needs to be done. This is, this is like. I'm not saying you shouldn't get it or that you don't need it, but that's a bad look. You also accepted the job with those hours. You understood what you were getting into at that point. Then why'd you accept the job? Because it was your job. You still accepted.

[B]

We get. So basically for each client, we get a certain number of hours they can have each week. My boss is also working as a

[A]

DS job, isn't it? Come on, you might have to correct me, but is it not just. Honestly just hanging out with those people?

[B]

Yeah, taking them out, like advocating for them at doctors appointment. My last job was more like.

[A]

So it's not like the most energy?

[B]

Well, it's more. It's like empathy burnout. Oh yes.

[A]

Oh, empathy burnout. Come on. Like what are we doing? Shut the fuck. I'm not saying that's not a real thing that exists in this world. But think of what humans have done throughout all of human history. You have the easiest job ever created in the existence of humanity. There's some easier jobs around you, but I'm talking about in the context of humanity. And they still did their jobs working sunrise to sundown, working in the factories just 50 years ago. Empathy burnout is the least of anyone's concern from what they've done throughout all of human history. It's really hard to have empathy for that at 22. You can't be using that already. I'm not saying it's not an actual thing, that I guess it can drain your energy. But at this point, less than a month in trying to get days off when you're the only employee, you have a pretty simple easy job.

[B]

Well, the thing is I. It's not even weekends like my current schedule right now, like this past week.

[A]

Okay, it's not weekends.

[B]

No, no.

[A]

Great, that's good.

[B]

Throughout the week. So like this week I have off obviously yesterday and today. And then I worked 11am to 9pm, Monday, Tuesday and Wednesday I worked my was scheduled to work 10am to 7pm and then Sunday I worked like 2 to 4 or 2 to 4:30. So that's kind of what the schedule is.

[A]

But it's like, are we crying right, like, now? I'm not sure. What's the point you're trying to make?

[B]

I'm fine with the schedule now. It's like, instead of. That would be my schedule for six days in a row, and I only have one day.

[A]

I mean, you literally told your boss you wanted the 10 to 7 hours, so you negotiated that time.

[B]

Yes.

[A]

Are we talking about right now?

[B]

I'm more talking about the fact.

[A]

Imagine being a person asking for something, and when they get the thing they asked for, they complain about and say they're having empathy burnout. What the are we doing?

[B]

I was having the empathy burnout before. I'm like, I need more than one.

[A]

Okay, then get another job where you need less empathy. What the.

[B]

Oh, that's my issue. It's. It seeps in every job, Caleb.

[A]

Even though I really do is you can't handle your own emotions and you're using excuses to not work.

[B]

No, I do like working 22.

[A]

Oh, no, you'll be fine.

[B]

You got me all wrong. I like to work. I like to feel like I'm doing something for the bigger picture.

[A]

She's not empathetic, apparently, because that gets drained real quick.

[B]

It's just hard. Especially also, it's like, what can you

[A]

do for the rest of your life if this is already happening?

[B]

I actually do have plans.

[A]

Oh, what's your plans?

[B]

Going to nursing school? I actually just talked to my mom today. We have a plan.

[A]

Are you not gonna do empathy and nursing?

[B]

Because, well, I feel like it's less because you have, like, so many different patients, and it's not like you really have, like, the same patient for, like.

[A]

Okay, fine, let's talk hours. And nursing is brutal hours. How are you going to survive that?

[B]

I've done you. I've done 16 hours.

[A]

But you're less than a month in, and you're already trying to get time off and complaining about shifting your hours to your boss. Come on. You wouldn't survive nursing. Come from a family of nursing. You wouldn't survive nursing.

[B]

My mom actually is a nurse.

[A]

And you wouldn't survive doing what your mom does.

[B]

Oh, she believes I can survive.

[A]

She believes. But does she know what's happening with you texting your boss and all this?

[B]

Oh, yeah, she knows that. She actually encouraged me to be like, oh, she's like, you do not.

[A]

Then she's encouraging bad behavior, and she's a enabler because that doesn't really make any sense. Nursing is like burnout to the extreme, man.

[B]

Well, with nursing at least there's like different options. You don't just have to work in a hospital.

[A]

That is true. There are lots of options when it comes to nursing. But you are going to stop on. Start on the bottom rung of the ladder as well. At the same time, if we're being honest, this is very. Let me see these texts between you and the boss.

[B]

Oh, Lord.

[A]

Okay, okay.

[B]

I'm also having another issue where this client keeps calling me out of hours, so it feels like I can't really, like be off of work.

[A]

Oh, my goodness. Shut the. I have no sympathy.

[B]

Specifically did say I have always been

[A]

reached out to bosses outside of work hours. That happens here. I have no sympathy for it. I'm sorry that, like, we all want the work life separation. That is something we all strive for and should strive for as bosses and employees. It's a good thing to strive for. It is also just a reality of life that all aspects of life intermingle with each other at inconvenient times. That is just a reality. I'm sorry for the lack of empathy on that, but that is a real thing.

[B]

I do feel like my boss is handling it well, though. She's like, okay, yeah, like, we can work with that, but we need to also.

[A]

You need not show me the text. What are you doing?

[B]

I'm looking for them.

[A]

What do you mean you're looking for them?

[B]

I text her a lot.

[A]

Why are you texting your boss so much?

[B]

Because it's just me and her having the same clients right now in Newcastle, so it's kind of just a. Just us. I'm hunting. I mean, you can hunt if you want. It's very much text though.

[A]

Okay, so what are we talking about, man? What are we talking about today? Cause you do well. You're gonna it, but you do well. You're obviously in a financial complete mess to be on this show. But what are we talking about today?

[B]

Well, I'm putting myself accidentally in the position where I am going to have to sleep with my sugar daddy for money.

[A]

Accidentally. I don't think that's accidental. If you have a sugar daddy usually don't stumble into that accidentally. Whoopsie. Slipped inside.

[B]

Oh, I posted like a fun post on Yik Yak. Do you know what Yik Yak is?

[A]

Yes. I didn't know it was a thing. That was a thing like 10 years ago.

[B]

It's a thing for colleges now. They made it so you have to verify.

[A]

But I put it always was for college.

[B]

Yeah, I posted a thing being like, oh, show me. I don't have the app anymore. It was toxic and I brain hurt.

[A]

Yeah, it's like. Isn't it like anonymous posting. Okay, what did you post on Yik Yak?

[B]

I basically posted something like an accident.

[A]

You posted something?

[B]

I basically posted. Posted something being like, oh, it'd be nice to have a sugar daddy. And then he just appeared in the

[A]

DMs of which you can not respond to and block. So continues to sound like accidents, but continue. Continue. Tell me.

[B]

I. We had each other on snap. I did. Accidentally.

[A]

Okay, so you added him on snap. Oops. Whoops. Accident. Click the button. Talking about continue.

[B]

Well, basically. So anyway, he like would. I would send news for money.

[A]

You actually would k. Well, like during

[B]

hard situations, are they good? I mean, I don't take nudes normally, so I don't know.

[A]

Okay, who was this guy?

[B]

He went to my school. Apparently he did like the online version though, so I.

[A]

He was a student school. Why wasn't he just the college student son? Why was he paying for nudes?

[B]

I don't know. I actually don't know what he looks like. Cause I refused at a certain point.

[A]

Okay, so what were you making via

[B]

what would you send like 6ish photos and he would.

[A]

Of what?

[B]

Me?

[A]

Yeah. Of what?

[B]

Like my chest.

[A]

It was just.

[B]

And then.

[A]

Oh, you went full hole. That's actually would not do that. That's rough. That might get. Be wary of screenshots, but. Okay.

[B]

I literally yelled at him. I'm like, you're not allowed to save anything and chatter. Screenshot it.

[A]

And did he?

[B]

He didn't because he would actually ask later on. Oh, can I. Can you send something to say in there?

[A]

Oh yeah, number two. How much did you make?

[B]

He sent me like 150 or like 200 each time.

[A]

That's insane for a titty pic. That's crazy. How do people not know Google exists? Why is he not happy on any dating app and just getting late? It's college. Everyone's.

[B]

Well, he's only online school and he doesn't live near the school. I guess that was his issue. I don't know.

[A]

That's pathetic.

[B]

I do miss him though, because I might have jumped the gun on a potential relationship and I removed him on Snap.

[A]

I don't know what he looks like.

[B]

I want him to find me again. I miss him because he would.

[A]

What do you mean you removed him on snap at him again?

[B]

Then I don't know where he went.

[A]

Huh. You don't remember his username?

[B]

No.

[A]

Well, did you block him? No.

[B]

I know. And he, like, would check in with me emotionally, so it was like a little emotional connection, too.

[A]

What the is wrong with you? That's so weird of you. You're such a weirdo. Okay, okay, I guess you. But you never even seen what he looked like, did you? See. You never met him.

[B]

No.

[A]

So you. Okay, well, you said. So you don't accidentally sleep with someone for money or something? Have you slept with someone for money?

[B]

Oh, not for money, but I. But I.

[A]

Well, yes, I forget. With someone.

[B]

Yes. But more. I wouldn't, like. I wouldn't do it for money. I more like forgot to ask for gas money. And that's why one of my cards got really bad, because I would just be driving around all these different colleges.

[A]

Wait, wait, wait, wait. Huh? What are you saying? You're driving all the. What do you mean driving around these different colleges?

[B]

I had Tinder and I. There was not a lot of people on at my last school because I transferred schools because of this, but.

[A]

Because of this?

[B]

Yeah, because of the hookup thing. Like, I literally had, like, mental breakdown slightly.

[A]

Because of what? I'm so confused. You're saying things, but I don't know what you're saying.

[B]

Oh, Lord.

[A]

Full rundown.

[B]

It was very impulsive time of my life and I really regretted it and I had a breakdown.

[A]

What did you do? You're not saying.

[B]

I drove. I drove around to all these different colleges and got myself into bad debt. That's why my mom is paying off my cars.

[A]

Bad debt for how?

[B]

I'm not asking for gas money because I would be driving, like, up to an hour.

[A]

Why were you driving to the different college campuses? Do you know how to tell a story? Why were you driving to different college campuses?

[B]

Or like.

[A]

So you were. You were getting railed at different college campuses?

[B]

Yes.

[A]

And for free.

[B]

Yeah. Basically.

[A]

This wasn't sugar mommy.

[B]

No.

[A]

Or daddying, I guess. Okay, so why'd you bring up the sugar daddy thing if you're just going around getting railed?

[B]

Because I looked at my time and I was just like, man, I could have gotten so much money for just like that, Basically.

[A]

Why should you get money for fun? Weren't you having fun? People hook up in college. That's what college. Why were you doing it? Come on. Are you, like a addict?

[B]

Kind of. Yeah. At the time. At the time I'm recovering.

[A]

When was that?

[B]

That was like my second semester freshman Year to all throughout sophomore year.

[A]

What grade are you in?

[B]

I'm now a senior.

[A]

Okay, so I doubt you. O. Fine. When's the last time you had sex?

[B]

A few months ago. But before that? I didn't have sex in January.

[A]

Are you telling me if Brandon right there said, let's have sex afterwards.

[B]

Okay.

[A]

He's giving a face, so I don't. Okay. Either way, if he wanted to. Are you saying you would say no?

[B]

I would say we can make out, not have sex.

[A]

Which turns into sex usually.

[B]

Actually, last night I actually. So because I was in Austin, I'm like, let me get Tinder again. To explore the area with an attractive male. He low key followed me up to my hotel room.

[A]

Who?

[B]

This guy from Tinder.

[A]

You met a random guy for tender the moment you landed in Austin?

[B]

No, I did some things by myself. I actually was like, going to try to find somebody like, oh, let's go to a nice food spot or something. I've never been here.

[A]

Okay, so you met.

[B]

Yes.

[A]

A man.

[B]

Yes.

[A]

Okay.

[B]

And then he was trying to hook up with me and I was like, no, I'm not like that anymore. And then I low key kicked him out.

[A]

This is. This is so interesting, ladies and gentlemen. Have you followed what she just said? I want to show you. Unfortunately, the modern young woman in grand display. She went around a lot of guys and hooked up. Okay, that's good. She consented to it. They consented to it. Then she flew here in Austin, chose to meet up with a guy, the guy wanted to hook up, and she just made him sound like a creep for coming with her to the hotel and trying to hook up.

[B]

Well, we were walking around in public and then I'm like, oh, do you want to walk me? Like, he was just standing there near me at the elevator. So I'm like, are you going to walk me up? And he's like, I don't care. And then I was like, I'm just going to go. And he just followed me a bit. And then I was trying to understand

[A]

what you just said. You were like, do you. You wanted him to walk you up and stuff.

[B]

I didn't. I was.

[A]

Why did you go up this. You are the modern young woman. You guys are broken. The moment you guys want to hook up, it's totally good. But if a guy wants to hook up, it's creepy and weird. You know, you can just say no and move on with your life.

[B]

I said no to him multiple times. Like, he was trying to take off my clothes and I'm like, no.

[A]

What? No, no, no. You are pushing the goalpost. She did not say that. Oh, she did not say.

[B]

No, he was in my.

[A]

No, you said he was trying to.

[B]

Yeah, he was in my hotel. And, like, I'm, like, walking around doing stuff, and he's, like, trying to take off my clothes, and he's. And I'm like, no. And then eventually, I, like, open up the door. I go. I'm sweaty and I'm tired.

[A]

Unfortunately, I don't believe that, because that's what you should have said at the beginning. You're making him sound creepy for being at your hotel when you both walked to your hotel. So unfortunately, based on what you said, I do not believe you. And I know people like you. In my own experience, in my own friends experience, liars. When you get called out because you made someone sound like a creep, they weren't a creep. So then you have to make something up to make them sound like a creep. It makes no sense. I don't believe you. Why. Why didn't you say that? You said specifically that he showed up at the hotel.

[B]

Oh, no, I walked to the hotel together. We walked around in the public. And then he walked me back to my hotel, which was nice. That was a nice part. But then once we went upstairs, he kind of came into my hotel room without me asking.

[A]

Okay, first of all, you guys went upstairs.

[B]

Cause I was trying to.

[A]

You guys went upstairs. It is a natural, organic thing for two people walking around on a date to go upstairs together. Unless you specifically give very intentional and clear cl. Not even clues, but just say, okay, thank you. Have a good day. And then if he starts to come up, I don't want to do that. He is not a bad person for going through the next natural step, of which you have done yourself multiple times. You were not creepy when you did that with I'm being told 40 men back in the college days, which I don't even care. I'm not a body cam person. I don't give a. Okay. Not even shaming for you. Who cares? Just have sex. Have fun. You would not have been a creepy person if you did that. But you were making a guy sound like a creepy person for doing that. Now, if what you said is him walking around your apartment and he was, like, touching and being weird, and you're like, no, I don't want to do this. Please leave. And he didn't do that, then he's a creep and should be posted about online. But you didn't bring that up. You only brought that up after three times where I said he was doing, you know, just normal and you had to push the goalpost because people like you do that. So be honest right now. Be honest right the now. Because if you lie, I will catch you in this lie. Because I will contact that individual and we'll put it as a. His side of the story. Was he in there in the hotel room taking off your clothes and you strictly looked at him and said, no, I do not want to do that. Is that what happened? Because I will get his side of the story. I have the resources and I will get him.

[B]

Can I say exactly what I said? Because we were in the bathroom, I was taking off my makeup, he comes up to me, kisses me, and then he starts pulling.

[A]

He kisses you? Did you say something? Did you kiss?

[B]

No, I kissed him. Yeah, you.

[A]

You kissed.

[B]

Because we were doing that throughout the day.

[A]

Okay, so there's implied consent. Now remember, you are not a victim because you are a young. This is what they do every single time. Just like, let's just. I wanna do the example when you went to all those college guys campuses and you kissed a guy and then went further. There was implied consent. Remember when you did that, you weren't creepy. Continue. What happened?

[B]

So basically he started doing that. I said, no, we're not gonna do that.

[A]

Okay, good.

[B]

Cause we did have a discussion earlier that night where I said I didn't wanna do any of that.

[A]

You set a boundary. That's good. That's good. You set a boundary. Okay. And.

[B]

And then he stopped for that time. And then he kept continuing like he would. Like I was walking around like trying to get stuff done so I could go to bed because it was like midnight at this point I'm like, I gotta be up early.

[A]

Okay, show me the conversation. I'm gonna 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 calcul 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 trustpilot. 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@pds debt.com hammer that is pds debt.com hammer pdsdebt.com hammer you suck with money. So you download a budgeting app. You start with the classic one, Ynab, but everyone just deletes it because it's way too complicated to use. So you go to everydollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal Finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like Dollarwise. Built by these people just like you. For people just like you. 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 show you the episode was supposed to be. But I am. I am so sick of these TikTok brained professional victims thinking something is wrong. If this dude.

[B]

This was all before.

[A]

If this dude persistently followed her around after she said no in the hotel to try to keep touching her, that would be bad at that point. I am on your side and against him. You did not bring that up when you were saying he was creepy at the beginning though.

[B]

That was our whole conversation before we met up. We don't have anything from after because

[A]

this is the concerning part. Based on how you act and how the amount of hookups you've had and Then the one time someone tries to make a move, like, you freak out if Brandon or if Micah or if Mark or if I. If any of us have consensual sex afterwards. This is an example. Not. Not a proposal. If that were to happen, you could literally do anything and weaponize that against people whose careers are attached to the Internet. And it is disgusting. And the amount of people I've seen you do that to friends of mine is horrendous. And you're already having that attitude, by the way.

[B]

Oh, I've never done that to anyone. Like, I've had situations where I genuinely. Like people have told me, like, that is Camille. That is assault. And I'm like, well, okay.

[A]

But also, I don't even believe it. Because, for example, I've never gone further with things because that's something that happens on TikTok all the time, where people tell someone that they're a victim. Like, don't even listen to them. They're. They get fuel off it. Don't even listen to them. If you didn't consent to something, something, and then something was forced to happen, that's bad. But unless that happened, like, don't listen to your friends. They're literally just tea chasing.

[B]

Yeah. The Texas ones, where it's like the current. Like, this is sexual assault.

[A]

Stuff like that someone just brushed up against your hand. Yes.

[B]

That.

[A]

That's.

[B]

No, it's like major things. Like, I don't smoke weed anymore because I was like, you know, the process, like, right before you green out when you're just a blob laying there. Like that meme of Peter Griffin without any bones.

[A]

Yes. Did the other person smoke as well?

[B]

A little bit goes to me.

[A]

So it's not. That doesn't matter. We're not having a competition. It's not. The college poster's not real life. Like, if a woman drinks and a man drinks, then the man's the. Like, that's not real life.

[B]

Yeah. Well, anyway, I was kind of just laying there and it happened. And I was just like, okay.

[A]

And you were both high. Like, it's hard. Maybe that's really bad. I'm not gonna defend it. But the thing is, again, we can't do the college campus where she's drunk, he's drunk, but he's.

[B]

Yeah, I don't. That's why I don't smoke weed anymore, because of that situation. And I try not to put myself in those positions really anymore.

[A]

He said, maybe we can do something else, I guess instead of getting a drink. Cause he didn't want to get a drink because you're narcolepsy. Is there anything you specifically want to do? Says you said you're fine to go to a bar.

[B]

Yeah. And that's where we went.

[A]

And he said, okay, I can meet near your place and then explore around. Come on, let's have context clues here. Meet near your place. We kind of know what we're trying to do afterwards. We're not literally brain dead.

[B]

I kind of am very naive and I like to think, oh man, shut the up.

[A]

Then you're a victim to yourself, but not because of others.

[B]

That's why I really. If I. If I'm in a situation, which by

[A]

the way, if you were actually assaulted and that dude was fully conscious just as much as you in that previous situation, then I'm on your side and you were a victim. The thing is, we cannot play the game if we're having real adult conversations where both people get. But only one is the unconsenting one is the consenting person. Like, that can't be how we live life.

[B]

Life. Yeah. That's why I've never anything about that. I can also show you our Tinder conversation too. Yeah, that chunk of text. Like there's a very chunk of text at the very end and you just walked up to me, so.

[A]

I mean, you guys were also meeting very late.

[B]

Like around like 9, 20ish.

[A]

Like, come on, we know what the implications are. Going to the bar next to your hotel. Don't be.

[B]

I didn't want to sit in my hotel and just watch YouTube. That's why I can do that at home.

[A]

The guy said we can totally go inside too. So you can set your room temperature. What'd you like? Because you said it's hot outside.

[B]

Okay.

[A]

So was he handsome?

[B]

Yeah, he had an accent too. He was cute.

[A]

What kind?

[B]

I don't know, honestly.

[A]

Okay, go ahead and bring up the chat. Sure. On Tinder.

[B]

Okay.

[A]

I mean, you have a quote and this is coming. This is a quote from you in the pre production interviews that you pride yourself on. Terrorizing men on Tinder. Do we see what is happening here, guys? How we. I no longer believe people when they say things anymore. I really don't. Which is really sad. Cause a lot of people go through really bad things and you ruin it.

[B]

I really should have saved his contact. Cause now I forget where he is.

[A]

In here. It's okay, I have his phone number.

[B]

Okay. Cyber you have called is not available. Yeah, our Tinder conversation isn't much.

[A]

Well, let's see. I want to see what it looks like here.

[B]

My friend. Oh, my friend. My best friend of the world said that he actually was attractive. And usually that is not my thing with men.

[A]

Yeah, good looking dude.

[B]

I don't have a good track record.

[A]

I don't know what that means. What you're saying. They're ugly.

[B]

My friend thinks they're ugly.

[A]

Get with people you're attracted to. Who cares? You're so obsessed with listening to your friend. Like they tell you what happened to you and what you're supposed to like. Shut the up. Are you not your own person? Dude, people like you are crazy.

[B]

I am, but I look for outside validation on things.

[A]

Well, shut the upper, Dude. Come on. His thing is, are you vanilla or rough? Honest bio. You seriously cannot be.

[B]

I was iffy on that. But there was like, stop being not other opt.

[A]

Like, maybe you're a victim, but I just like, don't believe people like you.

[B]

It's about to ask if you want to look at my profile.

[A]

Oh, my wireless subscriber.

[B]

You have.

[A]

The girl you met last night is trying to insinuate that you assaulted her. Please give me a call back. We need to talk. We gotta hear his side of the story, right?

[B]

Yeah.

[A]

Okay.

[B]

I'm kind of self banned from Tinder at this point. My mom said I'm not allowed to use it anymore.

[A]

Your mom at 22? You're so weird, man.

[B]

No, but she. She gave me another app because she knows I'm not looking for. For hookups right now. I'm looking for more like long term.

[A]

Right. Even though you're looking says still figuring it out.

[B]

Yeah, because I'm like long term or friends.

[A]

Dude, there's nothing wrong if you want to have sex with people. Who cares? There's nothing wrong if you want to go on dates with people who cares that neither of these things are bad?

[B]

I care because I go a little crazy whenever I want more and they don't.

[A]

What does that mean?

[B]

Like Nikki from Obsession. That's like my inner deep thoughts.

[A]

Yes, you are. Obviously we kind of know who you are based on everything you said. See? And he's picking she. You're. You're doing like, she was literally messaging so many guys, like, asking to meet up last night. Are we not getting this? Guys? Are we not getting this?

[B]

I wanted to go to the bar, man. I didn't want to go by myself. I know that's dangerous.

[A]

Then go. But why only attractive men on a dating app? That is honestly the hookup app of dating apps.

[B]

I wanted somebody to kiss someone to make out with. My other dating app's going well, though.

[A]

Which one?

[B]

It's like a Christian dating app for, like, long term.

[A]

Yeah, Pull up his chat again on Tinder. Which one's him? You're crazy.

[B]

Now I have to try to remember his name again.

[A]

Don't you have, like, 50 bodies or something?

[B]

Yes, I have. Also, I have a zodiac sex ranking

[A]

I made based on every guy.

[B]

Yeah, well, I stopped after a while, but.

[A]

Well, good thing we never did, because I would have been at the bottom.

[B]

Where are you going?

[A]

Why is your phone so slow?

[B]

Because it's having a stroke. Because it's a 15. It's old.

[A]

15's old. Isn't the 16 the newest?

[B]

Oh, Lord, now you're okay.

[A]

You betcha, kiddo. These episodes go wild. Directions that no one's expected. And I also just don't care about the body count. But the Christian dating app thing's hilarious after that. Plus, the zodiac sex ranking term.

[B]

Yeah, the Zodiac.

[A]

So, you contender date on there?

[B]

Oh, I just got Tinder just for this trip so I could find somebody I usually use.

[A]

Just find somebody to find?

[B]

No, to hang out with.

[A]

You're saying you would not have sex on this trip?

[B]

No, Just straight up, no. I don't want to. Oh. I actually do have a collection of screenshots of me torturing men.

[A]

She's collecting screenshots. Are you guys.

[B]

Funny things I say. Yeah, there's some pretty good ones in there. He might be busy.

[A]

Oh, he is, but we're getting him before this thing ends. Google Fi.

[B]

Wireless subscriber you have called is not available.

[A]

Google Fi. He gave you his Google number? Not his real number.

[B]

Oh, I didn't realize that.

[A]

Okay, yeah, sure. Show me the torture. You may as well see. So you're someone who sends dudes for money, drives around to college campuses to have sex, and you blame that on you being in debt. Let's. Have you had an STD STI test?

[B]

I actually just had one recently. I'm waiting for the results, but that was. I've. I had one, like, last summer. End of last summer.

[A]

How many bodies since then?

[B]

Like, three.

[A]

Wrong?

[B]

Sometimes, yeah. That's why I got. Well, this past time, I, like, had slept with somebody for the first time since January, and I was like, oh, let me just.

[A]

You're on birth control, girl.

[B]

Yeah, I am.

[A]

You don't let them.

[B]

No. Here, this is my lovely collection. My Tinder hall of Fame.

[A]

I'm not taking advice from a man who probably doesn't watch his Ass. Does a finger ever slip in?

[B]

Yeah, I have a gun.

[A]

I don't think I'm allowed to be near it. Would you drive me around then? I feel like you would have your head out the window like a dog. You sound like meat before it gets cooked. Your name is one letter off from being booty.

[B]

Booby. Yeah, it was funny.

[A]

Booby.

[B]

Yes.

[A]

Come back to me, my boy. I'm in Newcastle and ready to rumble. I' ma come through like your wall. Like the Kool Aid Man.

[B]

That was a guy that I think I had blocked me and I matched with him again on Tinder.

[A]

I'm like, hello, it's 1:00am and I'm in bed. What happened to let me come take you on a date? Why is it now? Come over. Where's my TBH and rate? David, I'm very serious about that bio. You're no fun. You probably think flour is spicy. You need factory reset. I'm sending you back to your mom's womb. You're obviously undercooked. You're the sperm that should not have won. I'm going to impregnate you. Trucks scare me. Okay, that was too freaky of a first message. I'm a Nepo baby too. I think if the Nepo is depression, that is okay. Trust me. We'll look through this phone more later, but I'm taking it off. Do not disturb. And yeah, we're gonna look through a lot of things later. Putting it on open.

[B]

Oh, I never have the ringer not off.

[A]

Oh, ringer is on now. Because we need to know there's also lots of men snapping you.

[B]

Oh, not that many, to be honest.

[A]

Seems like it.

[B]

Yeah. Majority are like friends on stuff. I don't usually keep a lot of people on my snap. Oh, yeah, my friends.

[A]

You're messaging a lot of people. I think you're trying to be sexy with him. You're sending like that.

[B]

Oh, those are old pictures.

[A]

They're sending them literally, like a couple days ago.

[B]

I like to be cute seeing any of my snaps.

[A]

So you're only cute in your old pictures? That's not good.

[B]

I haven't been snapping people recently. I actually just snapped people back last night. They were undelivered for like five days, though.

[A]

Interesting, interesting, interesting.

[B]

The only person on Snap daily is my best friend. Because our streak is the same amount of time. We've never.

[A]

I'm just gonna say this. Be a whore if you wanna be a whore. I love it. I'm a whore myself. But the thing is, don't try to Cancel people for being a whore and making a move on you. If you are a whore, make a move on other people and they don't try to cancel you. Come on, don't be a hypocrite. You're not a victim cause you're a woman. Not a victim cause you're 22 and your frontal lobe's not felt. Shouldn't allow you to vote then. If your frontal lobe's not developed yet. Shouldn't allow you to be in the military or drive a multi ton vehicle or have a job or go live. If you're not mature enough to say, sorry, I'm not interested.

[B]

That's my main issue. I feel bad. The empathy man.

[A]

Oh, okay, well that's on you. The reality. And we need to have this conversation. If you are unable to because of your empathy, say you're not interested in something, then you are not able to put yourself in those situations.

[B]

Yeah, that's why I've been avoiding putting myself in those situations.

[A]

Smart. And you're not a victim cuz you went on a date. That's the reality. Okay, so you want your sugar back because you're probably bleeding money. You can't find them if you only had one.

[B]

Yeah, the other ones were like obvious scams where like they were like send us money first. It was like checks and stuff. And I know the scam, so I was like, no.

[A]

And they found you via the.

[B]

No, these are other places. Like, like the random text you would get or like the random like people adding you on. Snap. Being like, oh, do this and I'll give you money.

[A]

Listen, men will f ck anything. Thought that was a phone call. It's a weird noise. Nothing, I thought I just heard a phone call. Okay, like men will anything, so I get it. And you're not unattractive. I mean you're a bit tall, I think for some people. Got stretch marks here, which means your tits are probably big, which is nice. Everyone likes good tits, so I guess that's fine. But like I don't want your future regardless of the victim. Bullshit. I don't want your future to be sugar babying. That shouldn't be what you're looking for.

[B]

Well, that can be my side hustle.

[A]

Really though. But what are you willing to do for it? Because they will always for you to make more money. I've had them on the show the sugar, the sugar givers and the sugar takers. They will want to for the money. And I know you love but like

[B]

I'm not trying to do illegal things no, it'll.

[A]

It'll. They'll frame it as more of like an escort type thing, you know? Like, what is it like? Like, oh, you know, I'm giving you lots of gifts and then you have sex and. But the implication, the obligation is kind of there, but, like, not. You know, I think that's how they do it. Right?

[B]

I don't know. I'm pretty naive to these things.

[A]

Okay, well, either way, that's where it would be expecting. And I don't want you to. I want you to consensually whore yourself up to your own thing, but I don't want you to be given out whole for money, because that's just not a good, healthy place to put yourself as a person, as a woman, as a individual on this planet. That's not necessarily a good thing, and I don't want that for your future.

[B]

Eh, side hustle can be a.

[A]

Okay, fine. What does that look like then? What are you trying to do?

[B]

Well, usually if I'm like, really struggling financially, that's whenever I would reach out to the sugar daddy, like if I was really in a bad situation.

[A]

But just one. Now you don't have one. So what now?

[B]

I want him to find me.

[A]

He might not. He may have read the hint. Because guess what?

[B]

If he.

[A]

You removed him, if he found you and you didn't want him to find you, he would be a creep. You'd blast him everywhere online and you'd ruin his career. But right now you want him to find you.

[B]

It's like a burner snap, though, I think.

[A]

Sure. But he doesn't. No. Why do you think people aren't willing to reach out to women in cold approach these days?

[B]

I just always. It's a 50.

[A]

50 shot. Whether or not he reaches out to you gets canceled and destroys his career online. Or if you want him, I just assume you want him, but he doesn't know. Why would he risk it?

[B]

I just assumed I was unapproachable because I'm tall and scary.

[A]

Okay, you're not scary. You're like two inches taller than me. You're five' eleven. It's okay. That's fine. You're not unattractive again. And when. You know, when people lay down, everyone's kind of the same height anyway.

[B]

I used to say that as a pickup line. We're all the same height. Horizontal.

[A]

There you go. See, it works. It works. So I don't know. I wouldn't hold that against you, but what's the game plan here? Because he's not going to find you. So what's the game plan? Is this side hustle?

[B]

Well, the last time I needed to borrow money to last year, the next payday my mom gave me access again to that card that she's been paying off and I said okay, I'll just borrow this set amount of money. I did go over that, but I paid back already half of what I put on it, this paycheck and then I'm gonna do.

[A]

No, you had this head hustle of or pictures or whatever.

[B]

Well, I was trying to get away from that a bit. But I do it when I'm like desperate. Desperate for money.

[A]

Yeah, but you don't have him anymore. So what's the game plan now to find a new. Are you searching? Have you posted?

[B]

I should probably do that, but.

[A]

Oh no, you probably shouldn't. I'd rather stop you before. What's funny is you're really ranting and raving in the pre interview about how you see yourself as a high value woman. Really?

[B]

How I have a lot of empathy and a lot of love to give.

[A]

Is that what? Hold on. Okay. Idubbbz. Great. But there's high value. I mean you've given it out like crazy by 22, which again, I don't even care. It's fun to be a whore. Be a whore, that's fine. But you can't say you're then high value at that point. Just like economically. Right?

[B]

Yeah. I don't know. Anyway, I think because you have empathy.

[A]

We all have empathy. How it's demonstrated is different.

[B]

I know a lot of people are lacking empathy these days.

[A]

Well, sometimes it's demonstrating like, like me and I, I, I'm not gonna. Other people have told me I have autistic tendencies. I, you know, I feel a lot of empathy towards things. I don't always demonstrate it the best though. So it's like different. You're in tune with your empathy. I'm proud of you.

[B]

What?

[A]

What do you want for that? You're not. How are you high valued because of that?

[B]

I guess I'm very thoughtful. Like if somebody tells me something one time, I'll give them some generic shit.

[A]

Yeah. Oh, you give gifts. We all give gifts. Shut.

[B]

Well, I get meaningful ones. Like my dad's Father's Day gift.

[A]

What would you get me?

[B]

Oh, I did give you a gift. Okay. This is a whole little bit.

[A]

Okay. I thought you said you curate. How. What is this?

[B]

It's my curation. It's a beautiful collection.

[A]

How does it apply to me if you Said you're a great gift giver. Make this make sense.

[B]

I thought you would enjoy it next to the little bit more.

[A]

Why?

[B]

Look, this one's yours.

[A]

What if I ever said that would make you think a potato in ramen would be me.

[B]

I would have given you the potato in a burger. But I already. I didn't want to take it away from my collection. This one I was willing to part with. This one's my like beautiful one that I really wanted.

[A]

So you're not a good gift giver?

[B]

I'm well, my dad's Father's day gift. Like if I know a person better.

[A]

Girl, you nutted. When I walked by the window of the green room, you know me.

[B]

I was having a starstruck moment.

[A]

You. You like, you know me. I. And I'm.

[B]

I'm not like on a personal level,

[A]

but I'm open about everything.

[B]

I know you like food.

[A]

Well, yeah, that's because I'm.

[B]

You have that show.

[A]

That's the basic. That's like you just looked at me.

[B]

Yeah. And I don't know. Ramen's good.

[A]

Ramen's good. I like ramen. Yeah, it's. It's good.

[B]

I want it next to the little boo boo.

[A]

You're not gonna get that. So you brought up your mom a couple times. So far this relationship seems weird. She seems like a big enablement. But I'm also being told she like doesn't believe you when it comes to multiple things.

[B]

Yes.

[A]

What is this? She's obviously a big part of this conversation.

[B]

Yeah. So whenever me and my ex girlfriend initially broke up. Girlfriend, basically we broke up in 2020. So the whole. Basically the whole situation is I wasn't out yet, so my mom didn't know so I had to come out.

[A]

And then you weren't out yet?

[B]

No. This girlfriend was like a whole secret relationship.

[A]

Girl, do you see yourself?

[B]

That was before I had the septum piercing and the super colorful hair. I actually had purple hair highlights at the time actually.

[A]

Uh huh. Yeah. No one knew. Continue.

[B]

Well, I'm sure people knew, but my mom didn't know. So anyway I had to come out to her. And then whenever. The second time me and my ex girlfriend dated, it was like people even care anymore. My mom did at the time coming out.

[A]

It's like a 2010 thing. So it's like no one gives a. You're gay.

[B]

Woo.

[A]

Merry Christmas in July. Ya Jolly. To celebrate, I'm giving you master your budget, master your debt, master your investing, and master your real estate. All of it 50% off. I've worked with a team of experts to build the best courses on the planet. Create a budget that gives every dollar a job job so you never miss a cent. Get out of the endless minimum payment prison and take control of your money. Learn how to actually invest without losing your ass or your savings. Getting into real estate. I'll help you avoid the money pit and get more profit. And if you're unsure where you stand, shame on you. But you're in luck. My newly revamped Hammer Quiz. In just two minutes, you'll know just just how naughty or nice your finances look. And if you've taken it before, look out for some new and huge improvements. Oh, and I have a special surprise for anyone who takes the quiz. Click the link in the description to learn more. Take the quiz, take advantage of 50% off. And finally, UN finances for good. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression and body image issues, but did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000.

[B]

Well, anyway, so the second time we dated, it was more of like a thing where I wanted to work on the relationship of my ex girlfriend just pressured me for sex and then I gave in and then she like. Then we broke up. What, for the second time? So anyway, my mom.

[A]

Pause there. Oh, you're doing it again. You're doing it again. What do you mean she pressured you into sex?

[B]

Like she usually pestering until I said yes constantly.

[A]

Well, first of all. First of all, in relationships, sex is normal. And if someone is not getting their sexual fulfillment in a relationship, it is normal for them to try to have conversations around it.

[B]

Well, we had just gotten back together and I was like, hey, I don't want to do this. I want to want to have a relationship.

[A]

Even though we're dating, I wanted to

[B]

work on a relationship.

[A]

Okay, what was the pestering? What does that look like?

[B]

Because it's her constantly asking me, okay,

[A]

well that's not inherently bad in a relationship. How she does it might be bad, but if you're just saying, hey, can we have sex?

[B]

No, she Was just trying to sort things and I would stop.

[A]

What do you mean no, no, no. Okay, she was making a move. Is that. Well, hold on. Are we really doing this? We're making a move in a relationship is bad. Did she stop when you said no?

[B]

Yeah, but you could constantly keep doing it.

[A]

This world is broken. Sorry. Maybe I am on the incel side. Maybe they were right. I hate incels, but maybe they were right. These people are insane. You're dating someone, you make a move, she says no, you stop. And you're a apparently. What the is happening?

[B]

Well, anyway, so she flipped this well, anyway, so she flipped the script and said I was the one doing that. And then my mom believed her.

[A]

Who even cares who's asking who for sex with dating?

[B]

What was more like she was like, I was you too. She said. She said I was pressuring her into it.

[A]

Dude, making a move isn't pressuring you people. You're buzzwords. You people are insane. You are literally why nobody believes anyone. Any assault claims, anything at all, you have destroyed it. When a cancellation attempt comes against a creator these days, I literally not only stay neutral anymore, but I can't believe anything because of people like you. You're batshit insane. TikTok and Reddit and whatever has turned you people into victims. Girl, your partner making a move on you and stopping when you say no is not assault. You are not a victim. No one believes anything anymore. For real victims because of you. And this is 100% real. She's a real person. Is this show real?

[B]

Yeah.

[A]

What the are we doing? You've ruined it for everyone. I don't believe a single claim against anyone anymore, and it's because of you. And there's like 40,000 TikToks and Reddit posts like people like you every day. And listen, if you say I felt uncomfortable in that situation, that sucks. I believe that and I'm on your side. But the issue is people like you bring a level of energy to it that you got assaulted. You didn't say assault, but you bring a level of energy to it of nuclear attack that someone made a move on you that you were dating. And that's not when you said no. It is insane. What your TikTok bubble insanity, young women, frontal lobe dumbass have done. You've destroyed. Never, never. Not a single one of you like her on there complain. If you're not getting cold approached anymore, don't complain. It is your fault. It is your fault. You've destroyed the dating pool, the sexlessness among young people is your fault. The lack of cult approach is your fault. You being single at 40 is your fault. You guys are insane, and you've destroyed our dating culture.

[B]

If it makes you feel any better, I never went public about things. I don't use the buzzwords of public, public guys.

[A]

She never went public about her girlfriend making a move and then stopping when she said no. She never went public. What a hero. What a hero. First of all, you are right now.

[B]

Yeah.

[A]

On, like, literally one of the most popular podcasts on the entire Internet across the world. So shut the up on that. And two, you. That's not something to go public about.

[B]

Yeah, I wouldn't like for, like, I

[A]

did have made moves on me, and I've said no when I'm tired. I never went public about that. Why would I?

[B]

Well, it's like other situations in the.

[A]

Oh, it was a goalpost.

[B]

They've been pushed.

[A]

You see how it happens every time. So the guy last night.

[B]

Yeah.

[A]

He essentially. Because he wouldn't stop. Assaulted you, right?

[B]

No, I don't use that word, assault. I just say. What did not say what it was.

[A]

Okay. What would you call it?

[B]

I just say, like, oh, he just kept doing things, and I kept saying no, and then I was supposed to leave.

[A]

So that is. That would be assault, right? I think at least extreme harassment. Assault. And that really happened, right?

[B]

Yeah.

[A]

Good. Let's call the police.

[B]

No.

[A]

Why?

[B]

If this actually happened and it wasn't

[A]

a rape, how'd you handle it?

[B]

I asked him to leave after a bit of that.

[A]

Wait, you asked him to leave and he left?

[B]

Well, I literally held open the door and said, I'm sweaty and I need to change and I need to go to bed.

[A]

Did you ask him to leave before that?

[B]

No.

[A]

I don't know if this part of our culture is repairable to the information and the people you've surrounded yourself and the people that have told you you're a victim, they've done so much damage to you and people around you. What the are we doing?

[B]

I just keep not putting myself in those situations right now.

[A]

I try to, except she messaged, like, 30 guys on Tinder last night to meet outside her hotel to go get a drink outside her Hotel at 10pm what the are you talking about?

[B]

Well, I started doing that at, like, 6:00pm so.

[A]

Yeah. To meet at 9.

[B]

No, it wasn't to meet at 9.

[A]

I read the messages.

[B]

I had to eat dinner alone. It was very lonely.

[A]

He's a victim in that too. Guys. What man? Are we gonna arrest and charge for that.

[B]

Well, I was gonna pay for mine. I don't like people paying for me. I feel like they have, like they expect something in return. So I just. I would have paid for myself.

[A]

Oh my goodness. You're broken. You are a broken individual.

[B]

Did he text back?

[A]

No. It's crazy. This is crazy. You know what? My girl just texted me and she said we're getting the good toilet paper again because she accidentally ordered the bad toilet paper. Should I acclaim she assaulted my asshole? Should I go on a big twit longer? A big TikTok spree?

[B]

She assaulted my asshole with bad toilet paper. That would be funny.

[A]

And yeah, guess what? All the women in your circle would 100% support it and try to ruin her.

[B]

No, it'd just be funny as like a joke thing.

[A]

You're pathetic. I don't even think you deserve a financial auto. People like you have literally ruined our society more than like anyone you know. It's the suicidal empathy that people like you have too.

[B]

We're a rare breed. Is it though? The septum piercing girls?

[A]

We're not a rare breed. It's the breed that has put people into office that allows us to have. If I want to go buy a calculator, it's locked up behind a chain link fence at Walgreens. You people have destroyed us.

[B]

Is it the septum piercing army?

[A]

No. You're bragging about your empathy and all this shit. It's the suicidal empathy where what makes you feel good, what you think is good moral masturbation for bad policies that have failed us. It's not left wing by the way. It's not left wing, it's not right wing. But it's the extremism. It's that hyper horseshoe populism extremism of suicidal empathy and insanity. Then there's suicidal. I don't know the term for it. But if you horseshoe on the other side, there's just like the aggressive evilness as well. It's like you are all and you've destroyed our society. And I hope you one day wake up and realize how far from the center you really are. The center of normal people. But let's give you a financial audit because I guess even people that destroy our society need help too. What do you think your financial score is? 0 to 10. 0 being the worst, 10 being the best. We know your score is maxed out at 100 out of 10. But let's see.

[B]

I took the quiz on the website.

[A]

The quiz on the website Kaylanhammer.com said

[B]

it was like a 4.6.

[A]

We'll see. We're retweaking it right now. So by the time this episode's out, I think it's like a 4.4. Honestly, I'll be honest. Something really weird happened. An employee at one point tweaked it without my consent. Oh yeah, I know, right? I'm not gonna name good employee. But just like that was a mistake and that's really weird. So it will be fixed. Mark seems to really think it's Mika for some reason. I don't know why, but it's not the head of financial audit Mika. But either way, go get your score. It should be updated now and reflect correctly because you're probably lower than that. Caleb hammer.com See where you're staying in the world of money, where you're doing poorly, where you're doing great. And if you don't want to be like a guess who ends up on the show. One, don't claim you got when you didn't get. Two, download the Dollar Wise budgeting app. Actually take some accountability. I know you 22, young woman, colored hair, something piercing and accountability. But download dollar wise and you can actually take accountability. Take the free trial, see if you like it.

[B]

Yep.

[A]

If you do, most people sign up for the annual version. Cause it saves a lot of money, about 50%. And you get the physical version of my 30 day meal plan signed by me, mailed directly to you. And the digital version of the cookbook. See, I appreciate this. Look at that. She just got excited. She's a fan of the show. We only allow fans of the show to come on. How the do you even have those takes if you're a fan of the show? How can you even be the fan of a show that shits down the throat of people like you consensually of like that kind of opinion. Like how do you even have that take? How are you such a victim and everything when that's the literal opposite of what we preach here? It's kind of crazy, but I appreciate the diversity of the audience.

[B]

Oh, I was very excited. I actually told Lindsey. I'm like, I need the cookbook.

[A]

Okay, well that's the meal plan.

[B]

Well, I want the cookbook too. Even just a PDF, it's been gone for months.

[A]

Yeah, you'll get the PDF just like you're gonna claim every guy you've been with is a PDF. You know how people like you work. You'll always push the goalpost. You'll start saying they got with kids because you had sex with Someone when you were 19. Aviant. What's going on?

[B]

Okay, that one actually recently got doubled. So. It used to be a 500 limit.

[A]

Got doubled?

[B]

Yeah. Yeah. So it went up to 1000 and low key. It's now maxed out.

[A]

So it's up from this balance from when you submitted it to a thousand. You know you're coming on financial audit and you double it it overnight. Why?

[B]

They did it at a nice time. Convenient time.

[A]

Pull up the card.

[B]

Yeah. You kidnapped my phone, bud.

[A]

You know the thing that really sucks too, actually I. Other than you're like weird. Empathy, jerk off and like cancellation. Like the other than that. Like the other conversations. Like I like you. It's like a frat. Like we would be pals. You seem cool, but then you have this insanity part of you that I don't understand. Makes no sense.

[B]

I think that's the best description of me anyone's ever given me. Thank you.

[A]

It's not necessarily a good thing though. You have available credit of $5 because she owes $982.57. But there's some charges coming up, of course. Auto pay is likely now 50 bucks. Used to be 20. Used to be 25. Credit score 627. What is wrong with you?

[B]

I never set up auto pay. I just pay it whenever I pay.

[A]

Auto pay is off.

[B]

Yeah, I'm paying that in the next paycheck too. I'm putting more money on it until

[A]

you get fired for not doing your job. I can't do my job. I have empathy. Starbucks, Subway Stop and get some bullshit rue 21 stop in get some bullshit Bath and Body Works Miso Southern Park Boardwalk Chick Fil A Barnes and Nobles. This is all within the past couple days. Dude. Hair loft groove. Nancy Hair loft groove.

[B]

That's my nails. But that. The card was actually maxed out so I only paid for like.

[A]

Are they real or fake?

[B]

They're gel.

[A]

Builder Michael Storr Went and got some bullshit Went and got some bullshit sheets Commerce. Went and got some bullshit Amazon. Minso. This is insane.

[B]

Miniso is where I get my tatoes.

[A]

Oh, those.

[B]

Yeah.

[A]

Oh, I hate you. Went and got some bullshit Went and got some bullshit Went and got some bullshit Went and got some bullshit Taco Bell that was all in one day by the purple shirt. Bullshit, bullshit, bullshit Subway Duncan. Bullshit Winning gossip bullshit. What are you stopping at the gas station for? $5. What do you get?

[B]

My Red Bull.

[A]

Oh, you. Okay. You know the troll because you're a fan of the show. But gamer subs is the way to go. Now you make your energy drinks at home just like you make your coffee at home. No more Starbucks, no more energy drinks. I guarantee it tastes better. That's a guarantee. We blind taste tested it ourselves.

[B]

Insert the clip that my flavor's coming

[A]

out very soon if it's not out by the time of this episode. So get ready.

[B]

What the bit whenever. The video that comes up.

[A]

Okay.

[B]

Parasol. It's like burned into my head.

[A]

Sit, sit. Quiet. Get your free samples, figure out a flavor you like. Link in the description below, type in code Caleb, and you get the free samples. Then get the flavor you like at 10% off, which makes it 40 cents a serving with my link in the description below. Make your energy drinks at home, friends. Buddy, you have so many transactions in here that I can only see two weeks worth and it won't load past that. That's how much you swipe on this card that you can't pay off. That just doubled in balance. That is accruing interest.

[B]

A lot of that is also money I've used for clients and they owe me.

[A]

Clients? What do you mean? This is all Starbucks and.

[B]

Oh no, the Chick Fil a that I had to pay for me and a client.

[A]

And then. Well, you and the client meaning also you.

[B]

Yeah. So she only pays me back like her part.

[A]

Yeah, but you're still getting it for you interest charging bullshit. And the month that we have is same bullshit going bullshit bookstore bullshit. Since it's at a 35.99% interest rate of death. Yeah.

[B]

That was the most recent card I've opened.

[A]

A sanity death. What is wrong with you? What the is wrong with you?

[B]

I need another card. I wanted to stop using my. My Amazon card for everything, so I opened this one.

[A]

Open your phone. Give it to me.

[B]

No. Okay, what are we doing?

[A]

What do you need to know? Okay.

[B]

Okay.

[A]

We have an Amazon Chase card. What's going on in here? I bet I'm gonna have to look at that Amazon. Oh, on your little Christian, you just got a message. Oh, are you trying to settle down?

[B]

Yeah, I've been trying.

[A]

No, you're not. Girl, if the person you're with tries to make a move on you, you're going to claim you got $4,896.19 is owed on here. Minimum, minimum monthly payment $222.81.

[B]

I actually overpay on my card, so for that one I pay like 300 whenever that's due.

[A]

We have his Google number. That's probably why it's not going through. Really. Also yes, you overpay. But it doesn't. It doesn't matter anyway because with the interest and purchases you accrue, it's more than your overpay regardless. So you. It's at the limit. You're. No, it's over the limit. It's over the limit by $96. Shut the up. Overpay. Overpay. Doesn't matter if you still spend on it. If you spend the out of it. Does he know you're coming on financial audit? Did you say why you're in town?

[B]

Yeah.

[A]

Does he know financial audit?

[B]

No.

[A]

Oh, he will.

[B]

Oh, yes.

[A]

17 years to pay off if you don't even purchase and you only do minimums and I am on Amazon. Okay, open it. We got to look at your Amazon.

[B]

Wow.

[A]

This year so far, you've already lost like 500 in interest. Dude, that's insane Amazon. I did income scales.

[B]

Crazy Amazon. I've not been using that card because it's maxed out. So can I look at my orders? Okay. Can wear the first thing that's arriving Sunday. That's My mom sent me money to

[A]

get my dad something that we're being are us. The base is currently being rated. Well, I'm forced to just sit here and talk to a whore. I could be defending the base, but I have to talk to a whore. What a shame. I have a base that is getting raided, lady. Do you understand?

[B]

I don't know what that means.

[A]

Imagine like a dick forcefully going inside. That's what's happening.

[B]

Wait, is it League of Legends? Is it that game? I used to play that game. There's a funny picture of one of my old friends took of me in okay, calm down.

[A]

I don't need your lore. Okay? I think it's like hair dye. The phone case here that looks like color ink. That's fine stackable storage. Didn't need it to survive sticky notes.

[B]

No, actually I got a 150.

[A]

Where's your scars?

[B]

My. I have acne scars. I got a 175 gift card for Amazon because I almost did a debt to the I really want to pop

[A]

that one in the middle. Your team just added its 67th AI tool. And also your 67th security blind spot. The good news, the Vanta agent works like a GRC engineer in the background

[B]

finding every app your team uses, scoring

[A]

the risk and drafting fixes for you. Vanta is the platform used by over 16,000 fast moving companies like Ramp, Cursor

[B]

and Harvey who are shaping the future with AI and staying ahead of AI risks.

[A]

Get [e-mail] but they're not that bad. Besides that.

[B]

I went, I was gonna do a debt consolidation. Then I was like. My mom was like, actually, you can probably pay that yourself. So, yeah, they said if you do like, if you do this online survey, you'll get like energy drinks, a 25 gift card. And then they were like, oh, if you go on this phone call for like an hour, you get a hundred fifty Amazon gift card.

[A]

It's all. And you shouldn't consolidate. It doesn't make any sense. Not because you can pay it off, but because people like you who consolidate. You're going to get double the debt in the end because you wouldn't have changed your behavior that got you there in the first place. We have great, incredible personal loans on calebhammer.com that I personally use when I need one. So does everyone. It's great.

[B]

But that's the hair dye though.

[A]

That's for people that can actually manage it. You're not. If you don't change your behavior, you're going to end up in both places. I love good debt. You're not someone who can use good debt.

[B]

Oh, this is the card. My mom.

[A]

Shut the up. Why would your mom be paying a card for you?

[B]

Because it was my one get out of jail free card.

[A]

So she's paying it off from $2,787.

[B]

Yeah, she just pays the minimum payment every month.

[A]

So interest is going to be accruing forever for.

[B]

And when I, when I do use it, I pay off.

[A]

So she's going to be paying this for 11 years because that's how long it's going to take.

[B]

Oh, I thought it was going to take a few years. Whenever she told me.

[A]

What is wrong with you? What is wrong with you?

[B]

I genuinely thought it was only going to take like a few years. When she first told me. It's already been a few years since she.

[A]

$2,787.02, $80 minimum fee payment. And she's paying it.

[B]

Yeah, she put in her own income too, so my credit score would look better too. So.

[A]

Yeah, your Incredible credit score, 444.

[B]

I'm working on it.

[A]

Listen, I mean, I don't know. We do need to get you. Do you want to stay there? Is it a small town? What are you trying to do?

[B]

I'm trying to move like into a suburb outside of Pittsburgh and work.

[A]

Pittsburgh's okay. I mean, it's not the best economic miracle of a city, but it definitely Had a little bit of the emptying out of the rust belt. It's like the easternmost rust belt. But listen, we'll get you a course career certification. A lot of people in the audience have used them to get six figure jobs. Raises up to six figures. I'll get you one of those to

[B]

help relate to me. I currently.

[A]

Is it what you want to do? Because you can get a county, you get a project manager, you can get in the tech.

[B]

Right now I'm finishing my psych degree and then I'm going to a nursing school.

[A]

Okay. Yeah, nursing. Okay. Yeah, yeah. No, might not have one for you, but if you ever try to do anything, we'll do that. And it can just add to your resume in general, right?

[B]

Yeah.

[A]

So interest is accruing like crazy. At least no fees or anything.

[B]

Yeah, I don't have any fees on any of mine. I always pay them.

[A]

What concerns me is the entire plan that you were talking about in the pre interview is how you, you want to pay off your credit cards. Okay, that part's not a concern. But so that you can still use them. You're not a credit card person. Look what you've done. You're using girls. Do you not recognize that on the first card, the Avant, the Avent card, that you literally got a credit limit increase just the other day before coming on financial audit and you already doubled your balance up to that limit. How can you tell us in the pre interview that you want to pay off the card so you can be a credit card person and just use them? You're clearly not that kind of person.

[B]

I did pay off like 200 and then I spent it again while I was.

[A]

Yes, exactly.

[B]

That's the point.

[A]

That's what I'm saying, dummy. Come on. That's what I'm saying. Ladies and gentlemen, I got something new to help you that we have personally built right here on calebhammer.com we have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on calebhammer.com we also have have auto insurance. Now you can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show. This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to Caleb hammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below. Starbucks is bull and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show Fat and Fatter. The number one ranked energy drink is gamer. 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 so how the is that a possible plan? Look at your behavior. This is a mess. Not gonna be able to sustain yourself. Also being told like you okay, yes, you want to move out. You told me you want to go to Pittsburgh but you're 22 and you refuse to even have a roommate. Don't have an income that's good enough. You have insane minimum payments and you spend more than you make and you won't get a roommate. Where's your entitled? You're so entitled.

[B]

My roommate's my cat and she can't work.

[A]

You're not willing to get a human roommate? Do you not understand?

[B]

I don't do well with roommates. And the only person I would want to be my roommate also does not like roommates. So.

[A]

Okay, then maybe you guys would be good for each other actually. Cause you would just treat it with respect.

[B]

Yeah, that's what I was trying to do. Why can't you convince her?

[A]

Tell me.

[B]

It's just, I don't know. Just. I like my own space and if I have a roommate, I don't feel like the shared space is like part of my space.

[A]

Well, you just have to be respectful. If both parties are respectful, it absolutely is.

[B]

Well, actually with the Chase card also they did the credit limit used to be 2,400 and then while I was in Florida visiting family in March it doubled.

[A]

Great. I'm asking about how you're gonna need to save money, but you're so entitled to think you need to live in your own place. Your own place that's gonna immediately, immediately eat like, like 40% of your income at a minimum.

[B]

I have a plan.

[A]

What's your plan then? Let's hear your grand plan.

[B]

I want your grand grand plan. I'm going to finish school and then I'm going to.

[A]

Which takes how long?

[B]

I have one more year of undergrad and then the nursing program. My mom said it takes like a fall, spring, summer and then fall.

[A]

So it's usually people's undergrad is nursing though. Why are you doing that as like a grad?

[B]

Because I just decided now I wanted

[A]

to do then just go into a. Now stop your. Just transfer credits and start that. Pursue it now if that's what you're going to do. This psychology degree, it does nothing anyway.

[B]

A lot of the nurses are like second degree in nursing. So they know.

[A]

No, just go into nursing now, transfer what you can and catch up. Why take this extra year of time and student costs and bullshit?

[B]

Because I also think it would be helpful with what I want to do with nursing. I kind of want to be like psychiatric nursing.

[A]

You learn shit on your own time, take extra classes and bonus later. But you are literally wasting time right now.

[B]

Well, anyway, the plan was I was going to do that. That and then it's opportunity cost.

[A]

Dude, you just dismiss what I say and you say anyway. No, go into nursing now. Why waste this time?

[B]

I have to talk to my mother about that.

[A]

Oh my gosh. Why does she matter?

[B]

Because her opinion matters to me. She's very important.

[A]

Yes, okay, get an opinion. But it shouldn't dictate your entire life. Look where you are. If you followed if this is what her opinion has gotten you, then it's not working.

[B]

Well, I guess her getting me out of jail with the Discover card kind

[A]

of just like, like not actually out of jail.

[B]

Well, she kind of got me out of jail jail. No, she got me out of like my get out of jail free card was her paying that card off. And I didn't learn my lesson doing

[A]

the minimum monthly payment. You're spending on all the other cards

[B]

and I was spending on this one because all my other cards are maxed out. So.

[A]

Dude, you had debts. You went to Disney. They maxed out at the debt. You're thinking of applying to consolidation or

[B]

you did already decided not to.

[A]

Like what the doing. So. Okay, yeah, sorry. What's your plan?

[B]

Plan is. Okay, so I finished School I will think about doing just go straight to nursing. Right. But I do have my schedule for the fall set already. And then the plan was after that I was gonna live at home for like. Cause the program looking at they want you to work for them for a few years. So that's a guaranteed job for at least three years. And I was hoping by like one and a half years in that I would have saved up enough to move out. And by that time, like six months before I move out, I want to like buy like furniture and stuff. So it's not like all at once. Once. Okay. So it's not like giant expensive like oh, I need all this.

[A]

What's your. What the cost of your housing will be related to your income. That's my question.

[B]

I know the place I wanted to. I was looking at for. It's like it was like 2000amonth with utilities make 3200. Yeah. And I'm. I don't know. New job will be more.

[A]

So entitled. New job will be more.

[B]

How much?

[A]

You're still going to start on the bottom rung. Okay. With this card, this Victoria's Secret card, you purchase immediately what you put towards it. And with the interest it actually basically above and it's to purchase at Victoria's Secret. Cause you want to look like a slut for your Christian dating app, I guess.

[B]

Oh, that's. I like their clothing too.

[A]

Yeah, it's fine. $30 is the minimum payment and I

[B]

pay like 50 to 100.

[A]

You could just pay this. No, you don't. You put yes, you paid 50 towards it, but then you purchase 43 and then interest hit. You don't understand that.

[B]

Well, usually store cards I don't purchase

[A]

30 extra towards it. It doesn't make up difference if you still spend on it and then interest cruise. How do you not understand that? How do you not understand that? That destroys the entire situation.

[B]

Why try not to use those ones? I don't use.

[A]

Yeah, you did. So what it was.

[B]

I can't use those ones.

[A]

You can't tell me. You try not to. And then in the statement I have you do and it just ruins it. The interest rate's literally 36%. You know how insane that is for a credit card? Bad credit cards. Credit one's at like 28%, 36% crazy. Why even allow yourself to. You're telling me you want to be a person who pays off your credit cards and then use credit cards, but you allow yourself to put two of these cards, spend money on two of these cards that have 36% interest rate. Credit cards really the worst I've ever seen for credit cards ever, ever, ever, ever, ever. I don't see worse than that for credit cards on the show. Payday loans. Yes. But I've never seen worse than that for credit cards.

[B]

I didn't know what a good interest rate was.

[A]

If you are the person who says you don't know that, how can you be the person that uses credit cards? You're literally saying you want to be the one who uses credit cards. You didn't even know. You wouldn't even look at that.

[B]

And I thought it was a smart decision because I shop there so much and you get more rewards. Back on Rewards.

[A]

You're losing 36%. You literally in the entire pre interview were blaming credit cards for increasing the limit instead of your behavior of spending up to the limit.

[B]

I'm just an impulsive person.

[A]

Exactly. So why should you have access to credit cards after you pay them off?

[B]

I feel like once I'm smarter with it, I can like at least the store ones. I can like just use it for the store and then pay it off immediately once it hits.

[A]

But you don't. That's the thing, you don't. Interest is accruing. You're saying all these things that you could do, but you don't. So what's the point if you don't? But you might.

[B]

But I gotta pay them all off first and then I can do that.

[A]

Okay, but you don't. Hey, there's only one card that's making progress and it's the one that you're not spending on because your mom won't let you that she was putting the minimum towards. The rest are just going up. You're actually sincere. Your debt has only gone up. Like what the are we talking about? How can you even say that to me at this table, at the financial allotted table, how can you say that to me?

[B]

Well, it's just been my last few paychecks have been a little like I haven't gone up to like my own.

[A]

Never mind. You actually have spent more on the car that your mom is paying off. So what the.

[B]

Yeah, I've been spending it for the trip, but I've been paying it off.

[A]

Show me.

[B]

Oh wait, my phone's hiding.

[A]

Google number this guy.

[B]

It's not loading. Come here. I don't know what the Discover app's doing, but it's so login. I'm working on it.

[A]

Pull it up.

[B]

I'm trying to do my face ID and It just keeps going to this screen. There it is.

[A]

Put on less makeup next time. Uber makes sense While you're here. The market.

[B]

Oh yes. I had to get my vinyl I've been hunting for. I broke my nail to find a vinyl.

[A]

No, it's not just spending here. You literally added $1,000 to it.

[B]

Well like half of that's for the trip.

[A]

Half?

[B]

Like half. Yeah.

[A]

Get out of jail free card. She's just, she. Okay, I'm gonna try to get on the phone with your in the post show but we also need to get a phone on with your mom cuz this enablement's crazy and she doesn't even realize she's going to be paying this forever. Cuz it's not going to take that 11 years or whatever I said now it's going to be double. This is crazy. Yeah, that's Uber in. But the market. Uber and that's fine. Numero 2844.3.

[B]

Oh yeah. My expensive dinner last night. I didn't realize it would be that expensive.

[A]

You can look at the prices.

[B]

I didn't realize she.

[A]

She's incapable of anything. No accountability. This.

[B]

I didn't know where this.

[A]

That place looked good anywhere. But you know it's going to cost money. Especially if it's like in the downtown area. Market, market, market. This is just air, Mark. Yeah, yeah. Going against some bullshit. Some Wendy's. This is crazy. You're crazy.

[B]

I did just pay like half of what I had spent before on it. That.

[A]

Yeah, we might have to message him on Tinder actually since I want to make sure we have a good time. Pull up his Tinder chat.

[B]

I would need my phone to do that, Caleb.

[A]

That's why I gave it to you. Are you stupid?

[B]

You're just sitting there with it for a second. I'm like what are you doing. Dude?

[A]

The small screen's crazy.

[B]

Oh yeah, I'm trying to get the new phone. I'm paying off next month. My mom the rest of what I owe on that phone and I'm getting

[A]

a new one immediately into debt for a new phone.

[B]

She was fine with it as long as I paid for the rest of that one.

[A]

Look at you, you're trying to get cracked on here. This is wild as shit. Okay, yeah, the 36% interest is crazy. You literally just went so. So when you got access to more money you went and got a shitty coach purse for $600. This is insane. This is frivolous. It's not even anything good. You didn't even get A good brand.

[B]

And the funny thing with that is currently when I'm at home, I use a thrifted purse instead of that one.

[A]

Yeah, it's Coach. I wouldn't be seen with outside with it either. What are you poor?

[B]

Coach is nice. I like Coach.

[A]

Nah, it's fine.

[B]

It's really popular.

[A]

I just learned about.

[B]

I live in a poor area.

[A]

There you go. I just, I've learned about bags recently and now then I have to, you know, get gifts and coaches just, it's, it's not made well. There's just so many issues. Every time I view one, I, I'm like going through it and there's like stitching issues. It's all crap. And they got re. I mean, they got, they got outlet stores.

[B]

Oh yeah, there's an outlet store near me. There's an outlet mall near me.

[A]

I got trust a luxury brand that has that outlet store. Rather you get like a Macy's bag. Cuz at least you know they're living up to the quality of what it is. Coach tries to pretend they're nice and then you spend a pretty penny for. We'll find you a nice man who will get you a nice bag.

[B]

I have a nice bag. I got it thrifting.

[A]

Unfortunately, you'll be giving a maids synchrony.

[B]

Yes.

[A]

What's going on with this?

[B]

My American Eagle card. I used to work there for two years and.

[A]

Oh, so you went into debt for that? That's.

[B]

No, no, I, I, I just opened the card recently because I was like, oh yeah, I've heard such good things.

[A]

Yeah, you went to the outlet store. So.

[B]

Yeah, it's on an actual outlet store. That's where I used to work at, at that store.

[A]

Okay. $409.55 minimum monthly payments of.

[B]

I think it's like 30.

[A]

30 me. Okay. Yeah. Just opened it. You immediately did it. Oh, you got fired from American Outlets?

[B]

Oh, yes, because of my sleep issues.

[A]

Oh, is that legal? It was officially diagnosed the narcolepsy. Right.

[B]

Well, that was the situation I had pointed out and they had changed. I came in for my scheduled shift on Mother's Day and they had freaking changed my schedule last minute and I had a sleep.

[A]

Oh, so it wasn't for your sleeping issues?

[B]

Yeah, but I slept again. And so then I was late again. So then she was like, oh, you're fired anyway because of your point issue. Cause I brought in my two weeks. Cause I'm like, I'm not dealing with this anymore. You guys changed my schedule last minute on Mother's day.

[A]

See, this is insane. You're going to Orlando again. Orlando Studios in October. Do you. You're never gonna pay these off. Do you not understand this? Do you not understand the consequences of your behavior?

[B]

Whenever I go to Florida, I see family, so I stay with them.

[A]

So you're going to Orlando Studios, not family.

[B]

Oh, I do want to go to Orlando Studios at some point.

[A]

Exactly. Do you not understand what I'm saying? I swear, you hear my criticism and you go a completely different direction instead of addressing what I say. You're never gonna get out of debt if you keep doing this.

[B]

Well, that's why whenever I only want to go visit family, I don't want to go to, like, Orlando Studios. It's literally.

[A]

You talked about going to Orlando Studios in October for your next trip.

[B]

Oh, not with my sister. I wanted to just go with me and my cousin.

[A]

So how does that change?

[B]

My sister's coming with us.

[A]

How does that change you?

[B]

Spend money. My sister's coming with us.

[A]

How does that change you spending the money and never getting out of debt? You will never make a sacrifice because you have no accountability. You will always want to pay off debt, but you never will because you'll never sacrifice anything to actually do it. You'll never join us on the other side the of the hill of prosperity, of paying off debt.

[B]

I'm just slowly getting up the hill.

[A]

No, you're just slow.

[B]

I'm slowly getting up the hill.

[A]

You're not getting up the hill. You've gotten in worse debt from the statements you sent in.

[B]

I'm working on that hill.

[A]

Okay. You're rolling down it, dude. Uncontrollable.

[B]

A little bit, but it's a disappointed person.

[A]

No. Where's the going up? They're all maxed out, basically, except for that small, little stupid card. Besides that, all the major ones are maxed out. And you're relying on your mommy. Mommy. You even told Lindsay that these statements were you being good.

[B]

Yeah, it wasn't like the best month, but I was actually being pretty good.

[A]

Pathetic. And here's your checking account. $303, I guess, to your Internet provider.

[B]

Huh?

[A]

Internet exer. To freestyle. Freestyle.

[B]

Oh, okay. That was for something we're talking about in the post show. But that was money I had gotten to put into my scholarship for my sister. So I transferred that to that account. And the reason I didn't send in that account is because it was just the scholarship money.

[A]

Fabletics.

[B]

Yeah.

[A]

Okay.

[B]

They have longs. They have longs in their sweatpants. I Need the longs.

[A]

Okay, calm down. Hair loft, 80 bucks. Hair loft, 70 bucks. PayPal out, $514.

[B]

Oh, that was money I owed my mom.

[A]

Oh, my goodness. I never paid because my school was like, all that. You owe money and a lot more and then all that and then yet you still go and get coffee. You still $40 at Amazon. So you go to Villa Fresh. 6,000 playthings. Let's play things.

[B]

Oh, it's like a toy store near me. It's cool. It's like in a rocket ship.

[A]

Like, what kind of toy? Like, toy.

[B]

No, no, it's like. Like, I went with my sister. We got like, squishies and stuff.

[A]

Okay, well, you spent $21.16 there, Duncan. Apple bill. You went and got some energy drinks.

[B]

I actually care.com did. A smart decision. Oh, yeah, that was whenever I was looking for a job.

[A]

Wait, don't you have a car debt?

[B]

Yeah.

[A]

Okay, well, I should probably see that before I go to your checking account. Pull it up here. Well, the thing is, you're addict. You went inside Dunkin Donuts. You went inside, got some. Once I got some Dunkin Donuts, when it's like, got some. There's more to this checking account, but let me see the car loan first. What's your car?

[B]

It's a 2021 Chevrolet Spark. I don't know if the pictures are, but she texted what the loan was and, like, the interest, but I only pay 150amonth.

[A]

What's the loan balance now?

[B]

Like, 9,000. It's in the first picture. She said.

[A]

What do you think it's worth?

[B]

I think probably around 9,000. It's a 2021 Chevrolet Spark.

[A]

It's worth 5.

[B]

Oh. Oh, I got it for like. Yeah, 12.

[A]

Interest? 15.33.

[B]

I don't know. My dad was doing all the paperwork stuff I just signed where I was when I was told.

[A]

No accountability, no agency, no ability to do anything. You're literally a permanent child forever. Shut the up. You are not a victim to the world. You're only a victim to yourself. $260.81. Do you realize how pathetic all the excuses you're making are? Where nothing is your choice. So your mom pays this and then you pay her?

[B]

I pay her 150, yes.

[A]

What? She puts 260 to it?

[B]

Yeah. I pay 150 of that.

[A]

This is pathetic. You're 22. You should be paying the whole thing. She needs to stop supporting you.

[B]

Him.

[A]

This is crazy.

[B]

Oh, he's back on his typing. Nonsense.

[A]

I gotta get this guy to call us. I. I've never been away from my phone to not see notifications as long as this guy. Back to the chicken account. Energy drink. Amazon, Amazon, Victoria's Secret again. Getting energy drink. Energy drink. Well that might be gas. Arby's, Kohl's, Freestyle. Again. $900.

[B]

Yeah.

[A]

Dunkin Donuts, Spotify, PayPal. 763.

[B]

Yeah, that was 736.

[A]

Duncan, your checking accounts and saying you'd be out of debt if you just didn't spend your money. Nails again. Hill Tav or Tavern?

[B]

Tave. That. That's the bar I go to.

[A]

Oh great. That you?

[B]

I don't go that much.

[A]

So you still went. You still spent money that you don't have. Shut the up.

[B]

It's cheaper than 2022.

[A]

Vera Bradley Coach again. Bath and Body Works.

[B]

Oh, that was one of my one too.

[A]

Bullshit. Bullshit. Energy drinks. Journeys. Ulta Energy drink. Claire's Something premium. I don't even know. Energy drink. Vending machine. Oh, energy drink. Energy drink. Energy drink. Taco Bell. Duncan. Energy drink. Energy drink. Premium Energy Drink. Zoltlo.net Energy Drink. Energy Drink. Amazon, Amazon, Subway, Michaels. And this is actually one of the most insane chicken accounts I've seen in a long time. The freestyle thing again. Wendy's, Apple bill, Taco Bell. Bullshit. Dunkin Donuts. Bullshit. You spend all your money on bullshit. Like this is crazy. Yeah, yeah. No, no. You literally spent approximately $5,000 on bullshit when you make 3,200. How the. No shit. You're going in so far into debt and making it worse every month. You deserve nothing. Your mom needs to abandon you so you fall and pick yourself back up and learn something for the first time in your life. This is insane.

[B]

Oh my lovely tiny savings account.

[A]

Oh wait, there's student loans too.

[B]

Oh yeah.

[A]

How much?

[B]

I don't know. Actually we're gonna call my mom in the post show and see how much it's total because some are parent plus loans in her name.

[A]

Oh, well, we'll call her to get that. But for the ones you have 900. That's it.

[B]

Should be multiple of it in there.

[A]

No, no, no. You're sorry. Your student loans is 21,866 sick. You haven't even graduated and you're not even willing to take a fast track to your degree of choice. You're so stupid. I don't get it. $21,886. What's your minimum?

[B]

I don't have a minimum.

[A]

You're in college.

[B]

That's. Yeah,

[A]

well, don't be a victim about your student loans once you graduate.

[B]

That's why I want to get the credit card debt done by that time.

[A]

Being told you have concerts, land up, trips lined up. This thinks your credit score is below 600.

[B]

That's the one from my bank. I have a lot of interest.

[A]

Like. This is insane. This is insane. How much do you owe your mom right now?

[B]

I actually just paid off her last thing. The next paycheck, I give her the 150 for my car payment, and then I'm good.

[A]

Yeah, until you're done with your car.

[B]

Yeah.

[A]

No, you owe her some for Olivia Rodrigo, but you don't know how much.

[B]

Oh, she did say that. That's fine because it's my sister. My sister went to go to the concert, so I'm going with her.

[A]

You are so spoiled. You are so entitled. You are such a permanent victim to yourself and only yourself. Let's get this budget. You're so pathetic. The minimum payments that you owe to your mom and stuff, and not taking into account hers is still. I mean, with your income, not great. Of $488.81. What's your rent?

[B]

Nothing.

[A]

How?

[B]

I live with my mom. Mom,

[A]

there is no reason you're in debt. Do you have to provide anything for utilities or.

[B]

No.

[A]

You're disgusting. You disgust me. You disgust me. This is pathetic. Actually, this is pathetic. Do you have to contribute to the groceries or do they grocery shop?

[B]

They grocery shop.

[A]

You are so pathetic. This phone bill, how much?

[B]

Nothing.

[A]

Okay. Gas is reimbursed.

[B]

Yeah, but I have to pay it

[A]

for how much extra? Yeah, but it's reimbursed in the end.

[B]

Oh, yeah.

[A]

So I'm exiting it out because that's included in your income of 3,200.

[B]

So I would say an extra car insurance. My mom pays it.

[A]

Subscriptions. I'll give you 50 bucks. Do you have any pets?

[B]

Yes.

[A]

Do you have to buy them pet food?

[B]

Yeah.

[A]

How much?

[B]

Probably like 25amonth, I guess.

[A]

What is your pet?

[B]

A cat.

[A]

Okay, I'll get you a $50 pet insurance, TP fund. Anything else you need. Do they buy you tampons and everything?

[B]

I don't get my period with my birth control.

[A]

Do they buy you toothpaste and toothbrushes?

[B]

No, I pay for those things myself.

[A]

Yeah, I'll get you a TP fund. $150. You decide where that goes. It's what you need to survive. But, I mean, they're still taking care

[B]

of toll paper I might need TP fund a little bit more. Does that include my nails? I need to put my nails in there.

[A]

No, you don't go yourself, you entitled bitch. Medical healthcare you got co pays on a monthly basis.

[B]

My mom has like a lot of therapy for them.

[A]

Cray your mom? Yeah. Okay.

[B]

It's like a car through.

[A]

Okay. Is there anything that needs to be in that I've not put in my nails.

[B]

Well, you didn't put in gas. I have extra gas in.

[A]

Okay. How much for extra gas? As in the app?

[B]

An extra like 200. I got places filled.

[A]

Yeah, you got to drive around to get your filled. Which is actually true.

[B]

Not true. Right now. I've been doing pretty good, I think.

[A]

Again, I. I'm shaming you. But like go be hard if you want to be. It's actually fine. I don't really care. Don't let other people run your life, dude. You literally have an extra 2,000 hours a month. Like, this is so stupid. This is so stupid. Like your debt is paid off in less than a year. This is so. This is one of the most pathetic things I've ever seen. It's less than a year, then an emergency funding. You'll be perfectly fine. But you'll never do it because you'll always prioritize concerts. You're getting enabled and you think you're a victim and your entitlement's up. But you can get out of debt like that. That. You're disgusting as an individual. You are disgusting. In the post show, I'm going to keep trying to get reach out to this guy. But here's the thing, here's the thing. I'm going to keep trying to get in touch with him no matter what after filming. So in the post show will be my conversation with him. Whether or not it's filmed with her or even a week from now, it will be there. So get join us with a post show for that. But let's get the hammer financial score first. Spending in a budget. You overspent. 010 debt. You have a lot of mom debt. So zero out of ten. Merchants fund didn't see anything. Zero out retirement. Nothing. Okay. Everything's zero. Go yourself. Zero out of ten. That makes no sense. Whatever score you took, that was stupid. Get yourself caleb.com. it's updated. It's better now. It's reflects the actual score. And now come join us for what is definitely going to be practically the best post show we've ever done in an extra 20 minutes plus three premium shows every single day. Monday through Saturday, join Hammer elite here on YouTube by clicking that you join binder link in the description or you can watch on the Hammer Elite app or hammer elite.com wherever you prefer. It's the same on both platforms. See you there. I think I'm getting the call. Hello? Oh yes, so I'm here with who you went with yesterday, but she said that when you guys went back to her hotel you kept trying to touch her and take her clothes off and she kept saying no, but you kept pursuing. I was not trying to do anything. Like I'm just being honest.

[B]

I left.

[A]

Like me, she says, oh, can you leave please? I just launched the brand new Hammer Elite app, available on every major platform so you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join and that's a promise.

[B]

Shipping, billing, admin, payroll, marketing. You're managing all the things, so why waste time sending important documents the old fashioned way? Mail and ship when you want, how you want with stamps.com print postage on demand 24, 7 and schedule pickups from your office or home. Save up to 90% with automated rate. Show shopping. That's why over 1 million small businesses trust stamps.com go to stamps.com and use code podcast to try stamps.com risk free for 60 days.