Financial Audit – "What The F*ck Is This?" | Summary

Host: Caleb Hammer
Guest: Roxy (29, Grand Rapids, Michigan)
Release Date: February 20, 2026
Theme: Entertaining and candid financial audit of a millennial facing debt, relationship, and lifestyle challenges, with a heavy dose of humor and hard truths.

Main Theme and Purpose

This episode features Roxy, a 29-year-old general manager at a quick service restaurant in Grand Rapids, Michigan, who describes herself as a “Disney adult” and is navigating a variety of financial, personal, and career dilemmas. Caleb’s goal: pull no punches in diagnosing why Roxy, despite a decent income, is living paycheck to paycheck and sitting atop a mountain of debt, all while gunning for an expensive Disney timeshare and coping with recent dramatic life changes (relationship breakup, job switch, and more).

The conversation is raw, unfiltered, and at times deeply personal, blending laughter, shock, and genuine concern as Caleb digs into Roxy’s decisions and future ambitions.

Key Discussion Points and Insights

1. Background and Current Situation

• Job: Newly promoted GM for Pliables (acai bowl chain), making $58,000/year (~$3,600/month net).
• Cost of Living: Living in Grand Rapids with relatively low rent (currently $700, will rise post-breakup).
• Living Arrangement: Recently broke up with her boyfriend of 3.5 years, still cohabitating due to lease (till October). Relationship ended shortly after moving to Grand Rapids for her job (and despite prior cheating incidents).

Notable Quotes:

[04:49] B (Roxy): "I don't want to own real estate, Caleb. I want to be a Disney adult and I want to own a Disney vacation."
[05:15] A (Caleb): "There’s not a fucking chance. Why didn't you prepare for that then if that was your big 30-year-old dream?"

2. Relationship and Personal Life

• Breakup Confusion: Ex is not acknowledging breakup. Roxy maintains boundaries but situation is unstable.
• Sexual Transparency: Open about recent "needs," including sleeping with someone else shortly after breakup, and pursuing a bit of a "slut phase" (her words).
• Non-traditional Income: Started an OnlyFans with niche “feet” and “furry feet” content, partly in collaboration with her ex (who is a furry artist).

Notable Quotes:

[07:52] A: "No way you guys don't get freaky. No. What? You live with your ex and he doesn’t stick it in and you don’t request it to be stuck in?"
[13:18] B: "Yes, yes, I have a niche OnlyFans... I sell feet content. I sell my 'toes'."
[14:19] A: "Capitalism’s gone too far... People are paying for this?"

3. Disney Dream & Delusion

• Goal: Purchase a Disney timeshare/vacation plan (~$35,000 or $433/mo for 15 years, not including maintenance and travel).
• Frequency: Family visits Disney often, sometimes subsidized by her mother. Roxy admits she may not visit every year and is after the “lifestyle” more than pragmatic usage.

Notable Quotes:

[19:09] A: "This is expensive. It’s insane. The insanity expensive. Honestly, for what your position is..." [22:46] B: "The points stack up and move over to like the next year... This vacation plan lets me travel to any of the Disney vacation properties." [23:18] A: "Like investment? Wasn't you talking about investment? You don't know what the word ‘investment’ means..."

4. Financial Management and Debt

• Current Financial Health:
  • Living nearly paycheck to paycheck.
  • No effective emergency fund, chronic overdraft fees.
  • Heavy reliance on payday/personal loans (some with scandalous interest rates up to 160%+).
  • $40k–$50k in debt, including $15k car loan at 16% interest, $14k student loans (no degree), and outstanding personal/family/friend debts.
• Spending Habits:
  • $500+/month in “bullshit” expenses (fast food, games, weed, etc.).
  • Spends inheritance and windfalls on gifts (including $2,500 for ex’s PC, $2,500 for a motorcycle after a family death, $350 lightsaber at Disney) rather than debt repayment.
  • Owes her mom, a friend, and has collections from old apartments and credit cards.
• Efforts at Extra Income: OnlyFans makes ~$55/month (11 fans @ $5), not scaling. Reluctant to work second job due to overwhelming hours as GM.

Notable Quotes:

[53:44] A: "The interest rate is 159.57%." [66:05] B: "I bought him the PC because the one he had broke and art is his life." [87:00] A: "You're a bad person. Jersey Mike's. Withdraw fee. Coinmaster... What the fuck's wrong with you?"

5. Family Dynamics and Enablement

• Mom’s Role: Mom enables poor choices, covers emergencies and trips via credit card, expects repayment (rarely gets it).
• Guilt and Avoidance: Roxy lies to her mom about the purpose of her travel, struggles with adult responsibility, and frames herself as “giving” but prioritizes wants over obligations.

Notable Quotes:

[27:54] A: "So she’s the queen of enablement for her child. Dude, you’re almost 30. You’re literally acting like you’re seven." [71:17] A: "So you lied. You borrowed and lied. So you cheated on your mother financially. Infidelity."

6. Personality & Behavioral Change

• Self-Perception: Roxy is honest about impulsivity, poor impulse control, and admits she “forgets” debts if not reminded (“goldfish brain”).
• Weight Loss Journey: Lost nearly 300 pounds (from 450 to 165) through bariatric surgery and behavioral change, but hasn’t translated that discipline to finances.
• Therapeutic Purchases: "Death purchased" a motorcycle with inheritance for emotional reasons, despite precarious finances.

Notable Quotes:

[31:16] B: "Look at this. That’s... that’s horrendous...I was disgusting. I hated my life." [81:03] B: "I have a love for motorcycles just from a kid. Because my grandfather and all that." [82:10] A: "A bike? I'm sorry. Are we really doing the inanimate object thing? Are we doing that?"

Notable Quotes & Memorable Moments (with Timestamps)

• On being a “Disney adult” and timeshare dreams:
  [05:15] Caleb: "There’s not a fucking chance. Why didn't you prepare for that then if that was your big 30-year-old dream?"

• Feet pics & OnlyFans reveals:
  [13:18] Roxy: "Yes, I have a niche OnlyFans... I sell feet content. I sell my toes."

• On foot and furry content:
  [14:19] Caleb: "Capitalism’s gone too far... Maduro become our president. We need to go full socialist. This capitalism no longer works."

• Overdrafts and financial mess:
  [87:00] Caleb: "You're a bad person. Jersey Mike's. Withdraw fee. Coinmaster... What the fuck's wrong with you?"

• On paying back debts:
  [68:15] Caleb: "Pay back your friend. What is wrong with you? What is wrong with you? Pay back your—are you still friends with this person?"

• On emotional spending and inheritance:
  [80:13] Caleb: "Instead of actually paying back your friend or paying back your family and friends, you literally just bought a motorcycle from your aunt for $2,500."

• On mom enabling and hiding the purpose of the audit:
  [71:17] Caleb: "So you lied. You borrowed and lied. So you cheated on your mother financially. Infidelity."
  [71:28] Roxy: "The reason I didn't tell her is because I am an in-person with my mother. I'm in-person of telling her things like that."

• On relationship and ex’s peculiar furry kink:
  [92:21] B: "He's a furry artist but he's an inflation furry artist. Means he likes to make his art very bloated... and he likes to do that to himself in person too. Puts a hose up his ass and turns it on." [92:46] A: "Well, I've never heard of anything..."

Important Financial Segments & Timestamps

| Topic | Timestamp | |---------------------------|--------------| | Guest intro, current job/income | 01:40–04:07 | | "Disney adult" dream, timeshare costs | 04:43–23:44 | | OnlyFans revenue, feet/furry content | 12:52–15:46 | | Debt breakdown and spending habits | 40:21–44:02 | | Payday/personal loan details | 51:00–53:44 | | Discussion of inheritance and emotional spending | 62:33–81:03 | | Collection debts, car loan, and overdrafts | 86:47–88:10 | | Minimum expenses vs. income calculation | 87:41–90:03 | | Final assessment, path forward, and scores | 91:25–end |

Final Financial Audit Scores

• Spending in Budget: 2/10
• Debt/Collections: 0/10
• Emergency Fund: 0/10
• Retirement: 2/10 ("dramatically behind at your age")
• Real Estate: 0/10
• Overall Hammer Financial Score: 1/10

Conclusions & Recommendations

• Real Financial Change Still Needed: Roxy’s made impressive changes in her personal health but hasn’t implemented structural change in her finances or behavior.
• Danger of Enabling: Family and friends often bail Roxy out or enable her, perpetuating the cycle.
• No Magic Bullet: OnlyFans unlikely to generate enough to escape debt. Roxy is urged to focus energy on job-hunting or securing a better career, not side hustles with low ROI.
• Sacrifice Needed: Sell the expensive car, possibly the motorcycle, and pay off high-interest debt and friends/family before any luxury purchases (like Disney timeshare).
• Track Spending: Caleb advocates using a budget app (Dollarwise), stop bullshit spending, and cut down on recurring unnecessary expenses and vices.
• Adult Accountability: Persistent delusions (“I’ll figure it out!”) endanger her long-term goals.

Memorable Takeaways

• Caleb’s signature tough love: Blunt and sometimes savage, but always driving home the financial realities.
• Roxy’s openness and humor: Willing to admit to intimate and embarrassing details, which both entertains and alarms.
• "Death purchases": Inheritance is quickly squandered on emotionally-driven, non-essential goods.
• Delusions of "retirement investment": Disney timeshare as mythical retirement plan, unbacked by basic arithmetic.
• Theme of enablement: Repeated reliance on mom’s financial support echoed throughout, with little sign of breaking the pattern.

TL;DR

Roxy is a classic “Disney adult” whose income is undermined by delusions, impulsive spending, reliance on family, and continual debt cycling—despite evidence she can change (her weight-loss journey). Caleb delivers relentless, humorous critique and practical advice: cut the bullshit spending, pay debts, get real about goals, and, above all, grow up.

For deeper (and wilder) details on Roxy's ex and all things “furry inflation,” join the Hammer Elite post-show.