What The F*ck Is This? | Financial Audit

Summary

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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.

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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.

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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?"

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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?"

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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..."

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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?"

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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."

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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?"

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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..."

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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 |

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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

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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.

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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.

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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.

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

Transcript

[A]

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[B]

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[B]

I want to be a Disney adult.

[A]

Disney adult?

[B]

Kind of. Yes. Oh, I won't need to get a second job. Okay. I can make it work. I have an only. Okay. Make it happen.

[A]

No, you don't.

[B]

I am a freak.

[A]

What the.

[B]

And a human. So it's both.

[A]

There it is, ladies and gentlemen.

[B]

I'm a little slut. I'll admit it.

[A]

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[B]

Hi, I'm Roxy. I'm 29. I'm from Grand Rapids, Michigan. And this is Financial Audit.

[A]

It sure is a fellow Michigander coming on down to the much better place of Austin, Texas. Nice to have you. What do you do up in Grand Rapids for a living? Halfway decent town, by the way. If you have to live in Michigan,

[B]

Grand Rapids is the same. Yeah, I'm new to the area, but loving it so far. Actually.

[A]

That will go away quickly, probably.

[B]

The snow is killing me.

[A]

What do you do for a living there?

[B]

I'm a general manager for quick Service restaurants.

[A]

Okay. Now, Grand Rapids, not one of the higher places to live in the United States, for sure. So in terms of cost of living, general manager at a restaurant might actually make a halfway decent living there. Let's. Is it A chain. Big chain.

[B]

Semi.

[A]

Oh, okay. Well, can you say it if you don't want.

[B]

Yeah, yeah. I work for a company called Pliables of Michigan, where we're pliable.

[A]

It's a restaurant.

[B]

Yeah. So pliables. Yes.

[A]

Like, I'm gonna go eat it. Pliables. Yeah.

[B]

We're an acai bowl and.

[A]

Okay, so it is not a big chain, is it? Or else. Did that. Did that come when I left? Because I guess it's been a while.

[B]

It did it so well.

[A]

Okay.

[B]

My store opened up in November. That' why I moved over there.

[A]

What do you make?

[B]

I make 58 a year now.

[A]

Okay, 58 a year. Listen, in Grand Rapids, I mean, you should be doing at least halfway decent. Yeah. Like, are you living it up, going full rich? No, but 58,000 bucks a year, you're living halfway decent. Pretty. Probably pretty close to the median household income in that area. I'm going to assume is closer to like 70 to 80. So almost 60 alone. Not too bad. What hits your account per paycheck cycle?

[B]

It hits right around.

[A]

What is that? Paycheck cycle.

[B]

It's every two weeks, bi weekly. So every. Every other Friday.

[A]

Okay. What hits right around 1800, you said this is new?

[B]

Yeah, I just got the raise, so I got a three.

[A]

Well, how long have you been doing this? You said you moved over to this job. That's new.

[B]

Well, I got a raise coming out here.

[A]

Out there? Well, not in Grand Rapids, by the way, where did you come from?

[B]

Detroit area.

[A]

Oh, okay. So it's so similar. Okay, well, that's not even that big. Okay, so 3600amonth, right? That's what Harris. Our account here.

[B]

Yeah.

[A]

How you doing? Good.

[B]

I feel like it's good. You know, I just. I probably stick with my spending and

[A]

you're not a financial audit, so. No, but how is it going in actual. In the real world?

[B]

I feel like I'm paycheck to paycheck, even though I probably shouldn't be in a reality sense. But why would you be? Probably because I have needs that I feel like are needs, but they aren't needs. Maybe. Or maybe I'm just too giving. I'm not sure.

[A]

Too giving? Who would you be giving?

[B]

People in my life that matter.

[A]

Okay. That matter. I mean, a lot of people matter. But if you're giving more than when you can't even take care of yourself, that doesn't really make sense. And you're not really benefiting them long term anyway because you won't be able to give Long term. Because you'll completely destroy your financial life. Meaning you can't give. Okay. Okay, so what's going on? What are we talking about?

[B]

I don't want to own real estate, Caleb. I want to be a Disney adult and I want to own a Disney vacation.

[A]

Disney In Grand Rapids? You dumb.

[B]

That. I know that. So I want. I want to just have a. Like, like either apartment or condo in like wherever I live. Like I'm not picky on where I live.

[A]

Disney adult?

[B]

Kind of yes.

[A]

Like, kind of yes. Well, it sounds like if you want to buy a place in Disney. I think hyper.

[B]

Yeah. Like I want it to be my 30th birthday gift. Actually, I want it to be this year. Is. I want to.

[A]

When's 30? When is that?

[B]

April?

[A]

Oh, for sake. There's not. I mean, that's not a fucking chance. Why didn't you prepare for that then if that was your big 30 year old dream. Interesting dream, by the way. But if that was your big 30 year old dream, what the were you doing at 26 to prepare for it?

[B]

30 year old dream? My old 30 year old dream was to be married. And now I'm not going to be that because of certain situations.

[A]

Who'd you cheat on?

[B]

I didn't cheat on anybody. You.

[A]

Okay. And I've been single forever, I assume, which is.

[B]

No, I'm always in a relationship. I always have people.

[A]

What?

[B]

I always have somebody with me. I currently live with some. With my ex.

[A]

Wow, that's weird. Well, no way. You guys don't get freaky. No. What? You live with your accent. He doesn't stick it in and you don't request it to be stuck in.

[B]

No.

[A]

No way. That's never happened once since breakup. What? How many guys been broken up? No way.

[B]

We broke up a little bit after Christmas. Oh, that's what the second time? We broke up a year ago before. And then I moved back.

[A]

It's been like two weeks then. Yeah, we don't happen.

[B]

No. I have zero attraction toward that man for so many reasons.

[A]

Oh, well, sounds like a great person to live with then if there's so many reasons.

[B]

Listen, we're working. We're. We're figuring it out.

[A]

Figuring it out? Your exes. What are you figuring out? To not be exes?

[B]

No, figuring out that I. That I need to leave now? That that's why we broke off after

[A]

two weeks of living with this guy?

[B]

Well, no, we've. We've been. We've lived together for a year and a half now.

[A]

You said Christmas.

[B]

We broke up at Christmas.

[A]

Oh, okay. Well, yeah, I understand not moving out that quick then. Cuz that's been like literally two weeks since the point of filming this episode. Like actually I think two weeks today. Right. Was that Christmas? I think right around yours it was two years tomorrow. Okay, so you guys. Well, why'd you just break up? Because now you have to find a whole new place or he has to find a new place and then you'd have to take care of that. Full rent is. That's chunky. What? What the happened? First of all, you've only been dating a year and a half, you said so we live together.

[B]

We lived together for a year and a half.

[A]

How long were you dating?

[B]

Three and a half years.

[A]

Okay, well that's fair. Fair point to move in. What the f happened?

[B]

You know, we just.

[A]

Sounds horrendous. You're making it really sound like all these crazy things happened.

[B]

In the end it was more just like we. We just weren't. We weren't the right person for each other.

[A]

What the are you talking about then? Where. There's so many reasons.

[B]

So many reasons we can't talk about right now, Caleb. Post show. Post show.

[A]

Oh, it's going to be one of those. Well, you know, it'll be good to join Hammer Elite.

[B]

I appreciate that, man, and I do love you, but excuse me. No talking to him. He'll watch the show. He watches with me every so often. But I don't want to trash him. He is a. He's a good man. He's just not the man for me. That is all.

[A]

Well, that's fine. What are you going to do with your living situation then? I know when you applied for the show a month ago, Colton, saying you were considering breaking up with him, it was a consideration.

[B]

Yes.

[A]

And looks like we followed through with that.

[B]

So the plan for the show initially was to see how I. How I would be able to be able to live if I did move out. And now I have to. So now we gotta figure it out.

[A]

And he moved to Grand Rapids a year and a half ago.

[B]

We moved to Grand Rapids in November of this year for the job. For the job.

[A]

And he followed you?

[B]

Yes.

[A]

Oh.

[B]

Even though I asked him not to.

[A]

And you were also considering breaking up with him and he just did. Is like, I'm just going to.

[B]

We were having fights, we were having problems and we just still wanted to work it out. He was very determined.

[A]

I thought you told him not to, but you wanted to work it out.

[B]

We were just going to Live separately and live.

[A]

Yeah. Long distance after years of dating. Not long distance. While we have issues is always going to be successful.

[B]

It was going to end well.

[A]

Okay. Well, I'm being told though, even though you broke up, he doesn't consider you guys broken up?

[B]

He doesn't act like it. No. Like, even when I left the other day to go somewhere, he tried to. He tried to kiss me. And I was like, no. Like he tries to, but I don't reciprocate in any way. And I make it clear to him

[A]

like I. I avoid what is happening in this house.

[B]

Yeah.

[A]

What are you doing about this living situation, lady?

[B]

I'm just working a lot, so I'm not at home.

[A]

Well, maybe, but that's not a long term solution. What the do you know?

[B]

I know. So that's why.

[A]

So what the is what was in your head? What's been in your head? It's been two weeks of breaking up. You haven't thought of one plan?

[B]

No, I have. Thinking about plants. I'm looking. I want to find a different place to live.

[A]

There it is. By when? By how. How long?

[B]

We have discussed that we're willing to live out the. The rest of the lease, which is till. Till October.

[A]

Oh, for. Oh. Even though he is. He is living with you. Like you guys are dating?

[B]

Kind of. Yeah. But I don't want to do that. I do not. I would like to find my own place and be able to be on my own again.

[A]

Your own place? On your own. But when you had the battle notes call with Colton the other day in preparation for the show. You're at another man's place. Another penis.

[B]

Yeah. Just hanging out, you know?

[A]

Huh? Just hanging out.

[B]

I have needs, Caleb. Sex is sex. I'm a little. I'll admit it.

[A]

Okay. Oh. Oh, yikes.

[B]

I'll admit it. You gotta be happy, Caleb. And sometimes having fun makes me happy. So I went and had fun and

[A]

immediately called Colton after getting railed no, that happened the night before.

[B]

We were just hanging out when. When Colton called me.

[A]

And how does ex boyfriend who thinks your current boyfriend that you live with and depend on for rent feel about this?

[B]

I don't have a boyfriend.

[A]

Yes. I'm saying ex boyfriend who thinks he is your current boyfriend who you depend on for rent. What does he think about you getting cracked?

[B]

He doesn't know.

[A]

He knows now.

[B]

Okay.

[A]

And how will this go in the household of which you depend on rent?

[B]

It will go.

[A]

How much cracking is happening since. Since Christmas.

[B]

That was the first one.

[A]

It was the first Crack. Hmm.

[B]

Yeah, I'm too busy. I. Okay.

[A]

Literally, it happened the night before. And then you called Colton the next day while still at his place. I don't think that's too busy. Most busy people don't have that kind of flexibility.

[B]

I had a Sunday off.

[A]

Okay, listen. No, no. Take some. The full support. We love it. We. We love sluts. Be a slut. Be a. Do what you got to do. We love it. Everyone has needs, huh?

[B]

Safe slut.

[A]

Well, okay, I didn't say you were getting aids.

[B]

That's what I'm just saying. I'm just saying you gotta be safe about it.

[A]

Okay? No one was advocating for opposite. I don't. What's the. Okay. Are you wearing a blanket?

[B]

Yeah, I'm cold. Huh.

[A]

I've never seen someone wear a blanket in this studio. Corgi. Millennial. You're Gen Z, though.

[B]

I don't even really pickles that much. It was a gift and I just really appreciate the gift. So I take it everywhere.

[A]

Quirky Gen Z's are becoming the quirky millennials. I don't even think they realize it yet, but it's happening. Okay, so you have to find your own place. What's your portion of rent?

[B]

Right now it is 700.

[A]

You're not going to find a 700 place. Not halfway decent. It's going to be like a thousand at least. Minimum. I'm assuming 900, so. Well, listen, I bet you should be able to do that with $3,600 a month. But yet you're completely financially, which is why you're on this show. So I don't think that increase in rent is going to go so well because how are you barely. How are you surviving now if you're barely paying your rent? Most likely. And how the are you getting to this Disney dream based on with all this?

[B]

Well, that's what I'm here for, Caleb,

[A]

is like by April, you're a dumb. You're going to have to. I think that the cracking that happened a few days ago reached your brain.

[B]

No, I just. I think that we will able to make it happen because I. Caleb, I won't need to get a second job. Okay? I can make it work. I can make it happen with what I do because I have an only. Okay, Make it happen.

[A]

No, you don't.

[B]

Yes, yes, I have a niche only fan.

[A]

What is it? Rubbing your beard to the camera?

[B]

No, no, don't stop. That's not nice.

[A]

What's the niche? You're right. I was just thinking of what could Be nichey about what you have.

[B]

No, I sell. I sell feet content. I sell my toast.

[A]

That's not a unique niche. Feet. That's like half the Internet.

[B]

It's a niche because I sell not just.

[A]

I literally fell. I was curious for first. I looked up Caleb Hammer nude the other day. Didn't see anything. Grateful for that. Cuz who? I used to send a lot of nudes back in the day back in college.

[B]

Hold on to them.

[A]

Yikes. And I also wouldn't be ashamed if they're out there. Whatever. I mean, I'll show it to you right now. But I did look up Caleb Hammer feet, and I was on the feet website. They got me. They got me.

[B]

That's fine.

[A]

So that's. This isn't like a crazy thing.

[B]

No, but I am a free feat. What the 10 and a human feat. So it's both. I sell both human and.

[A]

What the are we doing?

[B]

Yeah.

[A]

Caleb, capitalism's gone too far. Maduro become our president. We need to go full socialist. This capitalism no longer works. Yeah. And people are paying for this.

[B]

Yeah.

[A]

Yeah. What are you even looking at? You better not be pulling it up. I will literally flip this table.

[B]

No. They asked me to text somebody, and I was just checking to see if they did.

[A]

They asked you to text someone?

[B]

They did. Colton did.

[A]

Okay. Okay. Okay. I bet we're making a phone call then. I will be waiting for that at some point. Yeah, good. As long as it's not looking up. What the. Is a furry feet? Isn't it just taking a picture of a fake foot.

[B]

So my ex is a furry artist, so he draws the fury. A free artist.

[A]

So he literally still collaborates with you on this.

[B]

We have talked about that. Yes. I will still be paying him to do the art. Yes.

[A]

Well, he looks at you naked.

[B]

No. So he. He draws it without having to see me. Cause it's all like a furry. So it's just toe beans. So my toes don't look like.

[A]

How is this you, then?

[B]

Cause it's my fursona. I'm a furry.

[A]

But it's just drawing art without even looking at you. So how is it you.

[B]

He drew my fursona, so my phone. My first. So he. He knows how she looks naturally.

[A]

So it's not you. Why the are you taking a cut?

[B]

Well, because it's going on my page, and it's also my human feet. So the page is human and furry feet.

[A]

All right.

[B]

Which has the.

[A]

We did tits the other day. May as well go the next level. Titties Put it up on the table, let's see it. Oh, no, no.

[B]

What? My toes.

[A]

Whip it out, dude.

[B]

No, no, no, no. Free foot content. No.

[A]

Oh, thank.

[B]

No.

[A]

Okay. I was advocating for it for the sake of content, but I was hoping you'd say no. No, trust me, I wore boots. You gave me the right answer. I am not complaining.

[B]

No. That no knee high boots. No.

[A]

Don't worry, you don't have to convince me. I'm on board with you not showing us.

[B]

No, I understand if he. Content is not for everybody. And I only applaud to the people who.

[A]

But it's also your feeds. It's like I'll look at the Margaret quality's feeds my feet and people want to see it.

[B]

People want to pay to see it.

[A]

I'll let Margaret Qualley piss on my feet. Do it. She can do whatever she wants. She can do whatever she wants. Okay. Okay.

[B]

You know what? I am going to show you. Why not?

[A]

What?

[B]

Come on.

[A]

Oh, come on.

[B]

You get to see everybody's stuff. Why not my toes?

[A]

Everyone's stuff. What stuff?

[B]

I have seen your show too many times.

[A]

I have seen one pair of boobs, knees.

[B]

Your toes. I gotta cut off the anklet cause it's my ex.

[A]

What do you have? What's on the bottom of it?

[B]

Nothing.

[A]

No, you got. There's like a hardcore callous happening in the middle. Yes. I work hard.

[B]

I work hard. I didn't say I have beautiful feet. I just have feet that people are willing to see.

[A]

Okay, and what are you making from this?

[B]

I have 11 fans and I make $5 a fan. And I started about, I would say probably about like a month ago actually.

[A]

Oh, Disney, here we come. How those 11 people even find you, those freaks.

[B]

By the way, I'm on Instagram, Reddit

[A]

and X. Yeah, it's the Redditors.

[B]

Oh, 100%. Yeah.

[A]

Oh, it's the Redditors.

[B]

And I actually just made a Snapchat as well so that I can make.

[A]

Make what?

[B]

Like there's so pictures on there.

[A]

Like people paid pic. Yeah, okay. No, whatever.

[B]

Nope.

[A]

We don't king shame. We don't kick shame. I mean, I do king shame, but we don't kink shame. Except I do, but just love it. Okay, well you're not making life changing money off of that. What is that, 55 bucks?

[B]

Oh, right now?

[A]

Yeah, before they're cut. Before the platform's cut a little bit. I don't see how that gets us to. Okay, first of all, is the person we want living on Your property with all the children. The foot whore. Just throwing that out. And second, how much does this Disney property cost? So help people get to their goals. I don't care what it is. Kind of sometimes what I actually did look it up.

[B]

I went and priced it all out because I knew you would need it. I did. I took the time. I did. And for the specific one I'd want, it would cost me either $35,000 to $35,250 or. For what? For. For the vacation plan. That's the price of it.

[A]

Timeshare.

[B]

It's like a timeshare kind of. But like not. Caleb, it's not. It's like not timeshares.

[A]

Timeshares are known for being one of the actual halfway decent better ones. I will say that. But still, 35,000 hours is insane.

[B]

This one, Kayla.

[A]

Well, tell me what Elsa says.

[B]

So for that and which is with the specific points that I think I would need for my solo self. Or I can that price. Or it's $433 a month for 15 years with a 10% down payment. And then it's only.

[A]

Why? What the. You work. Literally. A general manager at a chain restaurant is not a bad job, but it's also not like the job where you're going to be in Florida every five days. What the. This is expensive. It's insane. The insanity expensive. Honestly. For what your position is, the points

[B]

of the vacation plan is. Because my family, we go to Disney a lot. My mom is.

[A]

How do you have this time? What is your paid? Huh?

[B]

My mom.

[A]

Congratulations. How do you have this time? You dumb. What are you talking about?

[B]

Take the time off work? We just.

[A]

Well, there you go. How much time do you. Are you allowed to take off work?

[B]

As long as I have the coverage and I meet my certain amount of hours for my pay period.

[A]

What is your certain amount of hours for your pay period?

[B]

I make a. No, it's 100. Sorry. He just increased it from 100 hours a month. That's it. No, 100. 100 hours every pay period. So every two weeks. So 200%.

[A]

How do you take vacations? And that. That's insane. That's more than 40 hours a week.

[B]

Yeah. I am contracted 50 hours a week in store and then 10 outside for marketing.

[A]

That's crazy. How in the world do you then have time for vacation?

[B]

I make the time.

[A]

You just don't get paid.

[B]

No, I do. So, like what? The Disney trip we just took. I had a week's vacation because we get one Paid week off a year. So I saved my week off for that sound like a job? It's a newer comp. Cause he's franchise. I work for a franchisee.

[A]

Girl, this is a new company.

[B]

I understand he.

[A]

At minimum the financial audit team gets a month off a year. It's four weeks. One a quarter.

[B]

We make our schedule so that we can take this time. Like me coming down here. I was able to take two and a half days off and still make my whole like I'm working 60 hours still this week.

[A]

Okay.

[B]

Even no being here. So I make it work.

[A]

Okay. Reason I'm saying how many. How much can you spend in Disney a year for this? 35,000 hours plus ongoing maintenance bullshit forever.

[B]

I mean like a year. The dues are like 1300.

[A]

I'm gonna die. And then actually. And then. You don't get Disney tickets with that, do you?

[B]

No, no, that's.

[A]

So how the are you? What are you? Who is this? Is this him or her? I just got your furry.

[B]

Oh yeah. We're not going to say her name, but yes. She's amazing. I love her.

[A]

Yeah, no plugs. Which I'm also plugging your real name. There it is, ladies and gentlemen.

[B]

Love her.

[A]

If that just made you come, please let me know in the comments so

[B]

I can shame you working on a full body art soon.

[A]

Okay, Sure. So how many weeks can you spend at Disney a year of which you would have to pay to travel for about a four hour flight from Michigan if I'm not mistaken. Three to four. So that plus tickets, plus food, plus maintenance fees. What the are we even talking about? This is insane for your type of position. No offense to that type of position. It is not necessarily bad. But with one paid vacation a year, what the are we doing? What the are we doing? How much time can you actually spend down there a year?

[B]

I don't want to actually go every single year.

[A]

What the. You're spending $35,000 plus these endless maintenance fees to not go every single year.

[B]

The points stack up and move over to every. To like the next year. So my plan is that I'll have this for every year and I'll save up the.

[A]

And then how about you just go to Disney every other year?

[B]

That's the point.

[A]

Yeah, no, without this dumb stupid ass.

[B]

Because this vacation plan lets me travel to any of the vacation Disney vacation properties as long as they have availability in that resort. I want to go to pay for

[A]

that individually, but I'd rather have a

[B]

place to just do it at and like this. This is like my retirement investment.

[A]

Like investment? Wasn't you talking about investment? You don't know what the word investment means. You're talking about investment. This isn't an investment. Do you have investment? You're almost 30, girl. You're acting like you're five. What are you doing?

[B]

This is my retirement. This is what I want to look forward to. To sit down and actually like look forward to end my in my life. Like look to do each time. Like this is like people take time to go do. Go out and travel all these places.

[A]

I want to do best the youtubers

[B]

this episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed sponsored Jobs to find the right people with the right skills fast.

[A]

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[A]

Terms and conditions apply out there. Papa Got and his wife are big Disney adults and I love them for that. That's great. I also, I mean I like Disney, I watch Disney, whatever and I would love to go again. They want to do some dumb shit like this and they go like every year. Just go. Pay for the ticket, pay for the travel and go. Instead of being locked in forever. This subject matter can be hard to digest, but for most Americans, their personal financial situation is the hardest subject to approach and manage. But with the Dollarwise budgeting app, you can finally take control and since there's a free trial, you can see for yourself. Get a full picture, automate your budget, get powerful insights and set real goals that change your life. Stop with the over complicated budgeting apps like ynh Be that no one can figure out. No more being told what to do with Ramsey's every dollar. End up being sold a mortgage with Rocket Money. And don't let private equity own you with Monarch. Take the change you need with a budgeting app that was built for people like you by people like you. Go to Dollarwise app or click the link below to start your free trial. 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 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 Subs. 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.

[B]

I could sell it if I ever don't want it. But I. I am a. I love Disney. My family loves Disney so much. I truly see that. I will always go.

[A]

Yeah, except you're saying you won't even go every year.

[B]

I may not go every single year right now because I can't afford it. That is the point. At some point, I may want to go every single year.

[A]

So when you don't have enough money to go, how do you go? Because there's no way you have enough money to go. Because this complete across the board bullshit. In fact, I'm being told mommy covers you a lot of the time and that you say you'll pay mommy back.

[B]

Yes, I have a. I have a.

[A]

So you lied. You're a liar.

[B]

No.

[A]

You said you don't just go, but you do just go. Your mother pays for it.

[B]

If my mom wants us all to go as a family, she will pay for it.

[A]

How frequent is that?

[B]

Every couple of years.

[A]

Yeah, but you owe her back.

[B]

No.

[A]

So why do I have a note when you do not have enough Mommy pays for it and you have to

[B]

pay her back on the credit card. So if we go on the trip and so like this last trip we went on, she has a credit card for me that I'm allowed to use on any purchases that I either need emergency. Typically it's for emergencies when I'm at home. Actually, like, you know, anything emergency wise that I just desperately need in a moment, which, you know, I love her for that and I pay her back immediately for.

[A]

But why are you in that position?

[B]

Because I'm fucked up my finances.

[A]

How?

[B]

Because I was stupid in my 20s and just wanted to.

[A]

You. You're almost 30. What do you mean stupid in your 20s? You mean right now?

[B]

Let me clear then you shouldn't be

[A]

struggling to pay for a utility payment right now.

[B]

Well, not utilities. So she.

[A]

Something as general as that shouldn't be the concern right now from a little bit of messing around and spending some money in your early 20s. What are you talking about?

[B]

Yes.

[A]

Yes. Okay.

[B]

She has the cards. She has one for all of us. All of her kids. I have two other siblings. She has one for all of us. Just for security so that we know she knows if we ever need anything, it's there. I don't use it unless I actually need it. On the trip to Disney this year, she told me that if I ran out of money and I was going to feel like I was going to have less of a fun time there. Oh, my goodness.

[A]

Oh, my goodness. So she's the queen of enablement for her child Daughter. Dude, you're almost 30. You're literally acting like you're seven. What the is this? And it's disgusting that she enables this. This is crazy. What? No wonder he left you. I left him. I know. I just can't believe it. Blows my mind. Blows my mind.

[B]

Just see him. I met him. He was living under his mom's roof, paying $200 a month.

[A]

Yeah, you're both great. Okay, you're both great. What the you talking about?

[B]

Listen, out of all my mom's kids, I was a child.

[A]

You are a child.

[B]

A better one.

[A]

A better one.

[B]

I am the better one.

[A]

Well, that means she's a complete failure of a mother.

[B]

I love my mom, and she's not like that.

[A]

No, I'm sure you'll love her, and I'm sure she's a nice person in general, but it sounds like a failure of a mother if the literal woman child is the best one. The are we talking about?

[B]

I think just all of us kids have just made different decisions.

[A]

Yeah, and being enabled by mom. No, I think we should call your mom.

[B]

No, she has meetings all day long. I'm sorry.

[A]

Oh, convenient.

[B]

She does. She works really busy on Wednesdays, and she's going into her busy season for work, so she has to. Mm. She does.

[A]

Mm.

[B]

Yeah. It's her only day in office. She usually works from home.

[A]

Great. What a day for you to come down. She's obviously completely enabling you and the whole kids.

[B]

I mean, you. You say that like why he left me. I mean, in reality, since I left him because he cheated on, like.

[A]

Huh.

[B]

He cheated on me. Like, I didn't trust him. He was a man child.

[A]

Like, he cheated.

[B]

Oh, yeah?

[A]

How'd you find out?

[B]

I found it through his phone. We were.

[A]

What did he do?

[B]

He was sexually messaging another female online.

[A]

Okay, why do you say that like an incel. Sexually messaging another female online?

[B]

Because I don't. I don't like it. I hate cheating. I hate cheating so much.

[A]

I don't like cheating either. Sexually messaging another female online.

[B]

Okay, I have to say it like that because he has told people that all he did was flirt with somebody, and that is not what happened. No, he was specifically sending sexual Content?

[A]

He sent cock. Cockies and ballsies.

[B]

No.

[A]

What other sexual content is there for

[B]

discuss more in the post show?

[A]

That's why. Say it. You fucking say he's cheated.

[B]

You asked. What?

[A]

Oh, my gosh. Okay. The ultimate post show teaser. This episode is.

[B]

I know, sorry.

[A]

I get it. Some people want to save some privacy stuff for the post show, so make sure you click that join button. Join Hammer Elite, the best membership on YouTube, number one. So why didn't you just. At least just leave him earlier? Why'd you wait until he moved across the country for you state? Sorry.

[B]

Because when we were together and when I found out he was cheating on me, I was £450. I know.

[A]

How fat are you now?

[B]

I weighted myself before I left. It's 165.

[A]

Well done.

[B]

Thank you.

[A]

Wait, hold on. How fat were you?

[B]

450. That's what said.

[A]

When was that?

[B]

My first appointment. That said that was April 2023.

[A]

Oh, good. That's crazy. Show me, show me. Like, we all have to see this. Throw the picture up on screen. That's crazy. Listen, that is a little bit of encouragement that. Oh, yeah, you were a fat. Yeah.

[B]

Oh, yeah.

[A]

I can say that my whole life anymore.

[B]

Oh, and I say it all the time.

[A]

Look at this. That's. That's horrendous. In fact, I would say disgusting.

[B]

Yeah. No, 100% I was disgusting because, you

[A]

know, that was stinky.

[B]

No, 100%, I was gross.

[A]

This was stinky.

[B]

I will full admit, like, I was disgusting.

[A]

I wouldn't have.

[B]

I was disgusting. I hated my.

[A]

There's nothing else in there. I just swiped to the full photo album. Probably nothing now that we know you're gonen. I got to be careful. Yeah, yeah, yeah. I wouldn't have guessed in the 400 seeing that, but jeez, that is crazy.

[B]

Yeah.

[A]

You bulked up. You're hanging like 10 heads down here.

[B]

Yeah, I was. I was really big guy.

[A]

That shows that there is potential behavior change you're able to implement. I don't understand why you haven't done it before. Your finances. If you have this big Disney dream. I feel like not getting. I feel like getting extra income through, you know, pissing on your feet or whatever on camera isn't what's going to be what changes your life. I feel like implementing the same behavior changes that you did with your diet and whatnot with your finances. Similar. I know it's not going to translate one to one, but implementing something similar is what gets you to your goal. Why haven't you Done that.

[B]

It's one step at a time with me. I can't. I can't do a lot of things.

[A]

But you're no longer fat. When have you not been fat?

[B]

I would say because you didn't just

[A]

all of a sudden like snap. And you were there this month.

[B]

No, I mean, I. So I had the surgery in November 2023.

[A]

Oh, you did? Gastric

[B]

bariatric sleeve.

[A]

Yeah, sure. Good. Yeah. That's a. So Oz. OzEmpic?

[B]

Yeah, kind of.

[A]

Yes, pretty much.

[B]

But yeah, I did change my whole lifestyle. But for me to handle doing two separate things like that at the same time.

[A]

When does that first one end so the second one can start?

[B]

No, we're gonna start now. But.

[A]

But you weren't just all of a sudden from fat to not fat in like a snap of the finger two months ago.

[B]

But then I've been working a lot and. Which has been helped the weight loss has been great for me.

[A]

I'm sure. And you work at a healthy place, it sounds like as well.

[B]

Amazing. Highly recommend.

[A]

No?

[B]

Yes.

[A]

Asiago bills. I'm okay.

[B]

Acai?

[A]

Yeah, one of those. I don't need that shit.

[B]

Very good for you.

[A]

Well, what the fucking is an asiago?

[B]

Acai? It's a Brazilian berry. It's really good.

[A]

Give me my freedom.

[B]

I want.

[A]

I want blueberries. I want strawberries. We have those two apples, your Brazilian berries. I have a red, white and blueberries. Thank you very much. Thank you very much. So is your ex going to be able to pay his bills when you leave? He seems very dependent on you. Are you dependent on him? What does he do?

[B]

He. He's a warehouse employee for H Vac company.

[A]

But he draws the. The furry content as well. Does he make money off of that?

[B]

He's trying to. He just got into. I've been trying to get him to do it for a long time. Like last. Not this last conversation. Yeah, that's. He's the one who got me into it.

[A]

Oh, he got you into it?

[B]

Yeah.

[A]

Great. Okay, well, you're not making off all this extra stuff, so I don't. Why are you putting your energy towards that where you can be more productive and just go get a second job or something? Which I don't even. I don't even think you have the hours for, I'll be honest. But really, is that what you want to be known for? Prostitute self online?

[B]

It's all on a separate fursona in a separate life.

[A]

I know, but it is still you.

[B]

I don't care. It's My feet. I don't care. It's like I'm showing a face.

[A]

Or why don't you go do something more productive with your time and make more money because you're not doing well.

[B]

I'm also not very like pushed toward it.

[A]

Yeah, but 55 bucks a month, like is that even worth it?

[B]

Not right now. But I see that it through time. Through actual. Because it's newer so it's not going to blow up instantly. I got to take the time to put in the marketing and the effort to be able to push it out there. So that's why I made the Reddit and the X and the Snapchat so I can start pushing it more. So.

[A]

Oh, you got a message today asking for you to step on a cake.

[B]

Yes, they asked me to bake a cake for them. Like videotaping making the cake in my hands.

[A]

But that's going to cost more than like half your monthly subscriptions is to bake a cake.

[B]

I have cake stuff at home. I bake all the time, so it wouldn't. It wouldn't be anything on me.

[A]

Is that good for you?

[B]

I do like gluten free and healthy stuff and. Or I'll take it to my work and my. My teenagers that work love it.

[A]

Teenagers.

[B]

I manage a.

[A]

You have kids?

[B]

No.

[A]

No.

[B]

Okay, just for children.

[A]

But you just got cracked last week. Yeah, could happen soon. But in Michigan you can get rid of it. So

[B]

safety again.

[A]

Yeah, we'll see how long you do that though. How many times do people hook up with each other until all of a sudden that condom is no longer.

[B]

I don't think I'll go back to him again. So.

[A]

Why? Because you have an issue with every man because it's always their fault?

[B]

No, I just didn't enjoy it and so I just won't go again.

[A]

Yet you stayed the night and the whole next day. Yeah.

[B]

He's a nice person. I just didn't enjoy what I went there for.

[A]

Okay. Oh wow. The ex hasn't even told his parents that they broke up.

[B]

I don't think so. So he. He keeps telling me he told his mom.

[A]

But your hookup was three hours away. This is that crazy. What? What the. We're driving three hours to. What are we doing?

[B]

Yeah, I may have done that again.

[A]

More productive with our time. That's what I am saying. We could pay to get to your end goal here. Driving three hours to get some penis.

[B]

I know what. It wasn't my best decision I had.

[A]

Where was it? Chicago?

[B]

No, Northern. Like by Traverse City.

[A]

Oh my goodness. You went almost to the up the upper peninsula. Yeah, just for some. There's like five people up there. Why can't you get Grand Rapids?

[B]

It's definitely good. You're right. You're right. Just in the moment. He intrigued me and he intrigued you

[A]

enough to drive three hours? Listen, as a whore and someone that likes to come I've never driven more than 30 minutes to as somebody who

[B]

has been in the dating world as a bigger person, I've made people drive

[A]

well more than 30 minutes.

[B]

But as somebody who has been bigger in the dating world.

[A]

Yeah, you were fat. I have you got skin flapping around in the wind a little bit?

[B]

Yes.

[A]

Okay. Yeah. I guess not everyone's gonna so I

[B]

have a lot of anxiety when it comes to being like that.

[A]

So what so how did so going three hours with a potential ew when he sees you is anxious than being able to just turn around and drive five minutes back home.

[B]

I think with him being so far if. If he says ew and I can go home.

[A]

Guilt tripped.

[B]

No, no, no, no, no. I think it's more like if he didn't enjoy it and I and it and you know, I drove the three hours.

[A]

Is he attractive?

[B]

No.

[A]

Why the did you a non attractive guy?

[B]

Because of what he said he would do to me.

[A]

What did he say he would do to you?

[B]

I have a kinky lifestyle.

[A]

Tell me.

[B]

I am a submissive. I like to be dominated and okay.

[A]

Welcome to every woman like 98%.

[B]

But I have been in relationships where not my ex is not like that. So I would X is a pussy. Ex is not a man. No.

[A]

What spider? I killed it.

[B]

You can't do that to me.

[A]

I absolutely can. A spider was crawling down my mic. Okay, show me a picture of your ex. It's not gonna be on screen. I just need to see what this creature looks like that was with a 650 pound woman. Hey, so what happens right every time someone lose weight from gastric bypass? They always leave. I always leave. You're the lever and the unique kink of a woman being submissive. Never heard of.

[B]

Not even that. It's just being with somebody who isn't.

[A]

Yeah. Dominant. Who would have thought what the. Can I swipe?

[B]

Yeah, of course.

[A]

Because I want to see like more of. Oh geez. He's just like a nerdy little gamer guy. But he's like normal. He's not a bad looking dude.

[B]

No, he's a great guy. I don't get my wrong.

[A]

Let me show the Hookup. How much are you investing into your O, by the way? So that's your future. I mean, I'm being told you're ordering custom latex bullshit and all this crap.

[B]

I want to order these custom.

[A]

How much is that going to cost? Making $55 a month before, like 150,

[B]

but I'm going to save up. I wouldn't pay like, I wouldn't do it until I'm ready to do it. That's him. Oh, yeah, yeah.

[A]

He is what 50 of men have looked like on financial audit.

[B]

He is what I call it.

[A]

Trucker hat, big beard that is unkept.

[B]

Yeah.

[A]

Ew. Okay, well, good for him. I guess he got some vagina. Okay, well, what do you think your financial score is? 0 to 10, 0 being horrendous, 10 being incredible.

[B]

I would say a one.

[A]

Okay. Sounds reasonable. If you watch your Hammer financial score, see where you stand in the world of money. It is free. Take the assessment. Just takes a few minutes. @caleb hammer.com you can see where you suck, what you need to do better and where you're already doing pretty good. So see where you stack against most Americans and where your finances are. And if you don't want to be like a guess who ends up on the show and you shouldn't be, then download the dollar wise budgeting app. New features being added every single month. In fact, at the time of this video coming out, likely we had our massive relaunch. And if not, it's about to come out in like a week. Guys, it's going to be incredible. It's going to be the budgeting app of the future. Just take the free trial dollar wise that I app or link in the description below and only through the end of March and then gone forever. If you sign up for the annual version, which most people do because you save 50%, I will sign my budget friendly cookbook and mail it directly to you. Only available through the end of March. Get it now. And it's going away forever. Let's jump into these numbers.

[B]

Hey,

[A]

so what'd you make last month?

[B]

Probably it would have been a little short because it would have been before my race. So probably like 20, 35, maybe 34, 38.

[A]

Did you work extra hours? Do you get paid if you work more?

[B]

Oh, I probably got tips. So we. If I work alone in the store and there's tips going through the system, I make those tips.

[A]

But if I work people getting their Brazilian berries. Why aren't you doing that? Okay, and how much did you spend? Probably like 37, $3,779.14. Basically everything you made, certainly more than you normally make on a monthly basis by only a couple hundred bucks. A little more normal than most, you know, a little better than the average financial audit guest.

[B]

Actually shocked me because I didn't look over at 4 because I thought it was going to be a lot more.

[A]

It's still horrible, though. And you do not get to your goal. You do not get to the ultimate Disney goal with that. And again, take away the oath and you don't even make that. You don't even break even. Where's it all going?

[B]

Expenses like rent and stuff like that? My car payment's pretty high. My personal loans are a little bit up there. And then probably, you know, I got my sprayed habit that doesn't die, so I can't have too much sugar or caffeine. So Sprite zero is my love.

[A]

Why don't you just put on spite zero, you dummy?

[B]

A lot.

[A]

Okay, dude, just make whatever. Like the lemon lime flavor is from gamer subs. Just make it at home. It's zero calories. It's a hydration drink. It's just as good. And it's 40 cents a serving. You get your free samples with code Caleb, See what flavor you like, and then get the flavor that you want in bulk. 40 cents a serving. No more stopping in and getting some bullshit spending hundreds on price zero. I mean, there is minimum $500 on bullshit last month. Minimum $500?

[B]

Yeah, probably because I was probably preparing for the Disney trip too, or for our move. So it's probably just bullshit spending.

[A]

When was the Disney trip?

[B]

The beginning?

[A]

When is the Disney trip?

[B]

The beginning of December.

[A]

So you just got back?

[B]

Yeah, we just got back in the move.

[A]

The move already happened.

[B]

The move happened in November.

[A]

So you're not preparing for the move. What the are you talking about? Preparing for the move? Your move. Your move was in November. This is last month. This is December. What are you talking about?

[B]

I believe you have documents from October.

[A]

Is that true? That would be so far back. Why I applied. No, it's November, you dumb. Okay, shut up. You don't even know what you're talking about.

[B]

I just couldn't remember which ones I sent you.

[A]

Well, it still matters. Like again, you say you don't borrow from your mom, and then I call you off for buying from your mom, and I'm like, oh, I borrowed from my mom. So it's like, don't try to lead astray. It's like, oh, this couldn't have been done. This was the month right before moving. Oh, wait. Oh, it is actually. Once we moved, but that would still

[B]

be because they're still moving expenses because we just moved, so there's.

[A]

Hey, moving expenses isn't bullshit. I called bullshit out. Not moving expenses.

[B]

Could be moving expenses.

[A]

Probably not going out to eat. Doubt.

[B]

Yeah.

[A]

I've moved across the state of Michigan. It ain't that big. Pretty short move. Not crazy.

[B]

No, it was only about three hours.

[A]

Huh.

[B]

Wasn't bad.

[A]

Nope. It's like going Austin to Dallas and that's barely even an inch in the state, so that's nothing. So, you know, 500 hours in bullshit isn't just going from east to west of Michigan. So have you looked at what your rent's about to be once we move out, if you can move out?

[B]

I have looked at different places around the area because I usually still stay local due to my job.

[A]

No shit.

[B]

Well, okay, listen. Some people can move around, I can't. So it's probably going to range between like 900 to about 1200.

[A]

Well, again, in your income, that's not necessarily horrible. But when we get all your debt together, how much debt do you have

[B]

total with student loans? Probably around like 40 to 50 thousand dollars.

[A]

50.

[B]

50 with the car and everything? Yeah.

[A]

And there's a crap ton of just individual debts leading up to the student loans. Student loans are only 14 of that 50. The rest is just horrendous, bad, disgusting, horrible debt.

[B]

Yeah.

[A]

Yeah. So how are you going to move out and afford a place of your own? How are you gonna. And then are you gonna him over?

[B]

No, I would make sure that he's like, okay. Like, we would.

[A]

We would make sure he's okay by giving him extra money?

[B]

No, I would talk to him and be like, hey, if you can afford it, you need to move out.

[A]

Or if you're gonna cover that whole place, what is going to be 1400.

[B]

1400.

[A]

Okay. That while adding all this debt that you probably. You're not even making progress on while spending more than you make while spending hundreds on. On a monthly basis. How are you paying for 1400?

[B]

I'm gonna have to figure it out. I'm gonna have to really push my only start. Really.

[A]

Oh, girl, who the. Okay. I'm glad you got a couple signups. This thing isn't growing more than like a couple hundred a month dollars.

[B]

Be something to help toward the debt, won't it?

[A]

Yes, but I would rather refocus your energy to something more productive that brings in more money.

[B]

With my job, it's too demanding. I can't. I've already tried. When I moved out the first time from my ex a year ago, I worked for Domino's as a delivery driver. Not at my store.

[A]

Was that a year ago?

[B]

Yes. I moved out February of 20.

[A]

Why did you get what the what?

[B]

Then I got back because I thought we could work it out. I needed help financially and so I moved back in thinking we could work it out. We tried and then it just didn't work because I couldn't trust him.

[A]

Want to know a dirty little secret? And no, I'm not starting an Only you're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use dollar wise. It shows you exactly where your money's going every single month. Spending, subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download Dollar Wise today, you'll get to try it for free. Plus three months for just 9.99. So you can finally take control and see what your money's been doing behind your back. Click below to get started. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for chime. Get that $350 right now in your checking account. Okay, so you got a second job. Why can't you get a second job?

[B]

Well, I did do the second job and it was draining. It was shit.

[A]

Welcome to working a shit ton. But you're. You're taking care of the shit that you got yourself into. I don't care.

[B]

I was having to leave that second job to go back to my first one because I had to handle emergencies. Because I'm a general manager. Anything that happens in that store, I have to be there.

[A]

Then is it the right job?

[B]

Yes, because I love it.

[A]

That's not the reason why it might be the right job.

[B]

And it's the most I've ever made without having a degree.

[A]

Yes, that is true. But you will be able to roll this general manager experience into something of yours.

[B]

100% and no, I'm improving my LinkedIn and my. Indeed. Even as we speak. Like even last night.

[A]

Well, how about your actual resume so you can apply to places. But even still, we had someone general manager at Macy's or an assistant manager and she made like $70,000. Like.

[B]

Yeah, it's a smaller company. We're a franchisee. We're growing. And I don't.

[A]

And they're not entitled to. You go make money with better vacation time and pay off debt better.

[B]

It's something I can look into. I like the company just in general right now, so I'm willing to sacrifice.

[A]

I'm glad you like the company. Doesn't mean it's always the best. I liked Jimmy John's. I legitimately enjoyed being a delivery driver for Jimmy John's for. What was it, like four or five years? It doesn't mean I should obviously stay there. It's not the best for me.

[B]

Yeah. But there's also about happiness. There's points where like you have to.

[A]

And how happy are you not fulfilling your dream? How happy are you not being able to pay the rent when you're on your own? How happy are you to have all this debt? 34, 678 in bad debt, including an additional 14, 154 dollars the student loans of a degree do not have. How happy are you with all that? I would suggest not. How happy are you when you try to go get a job to clean all this up? You have to get called in for the job that you are so happy about. How happy are you working 50, 60 hours a week and only having one week off? Happy? You happy? You don't know happy. You haven't seen happy. That's not necessarily a slight against you, but I'm sorry you haven't seen the sunshine on the other side of the

[B]

hill compared to the other jobs I have worked for.

[A]

I agree. But we're always trying to move up. We don't just stay stagnant now because we have found the happiest so far.

[B]

But I have to fix my resume to match to quality.

[A]

That takes a half a day.

[B]

I understand. I'm a busy person. I have busy person.

[A]

You're taking feet pics. Shut the up. You literally just stayed over at this nasty ass, morbidly obese, bearded, northern Michigan freak's house for over a day. Three hours away, six hours drive total. Staying overnight and calling Colton from there. Freak.

[B]

He called me, all right. We had the. We had the call on Friday and then he had to call me on Sunday. I'm not answering that.

[A]

Was it worth a three hour drive? No.

[B]

I told you no.

[A]

Then what the are we doing?

[B]

You know that I wouldn't know until I got there.

[A]

Wouldn't I?

[B]

You could. No, I don't trade pictures like that.

[A]

No. You ask how big.

[B]

I didn't want to. I'm more of an in person thing. I'm what? I'm more of a.

[A]

For a three hour drive. You didn't want to know if it was anything worth driving for. I don't. You don't need to see a picture now. He might lie. I don't lie.

[B]

Good to know.

[A]

Not telling you.

[B]

I don't need to know.

[A]

Okay, listen. Of time. Time to drive for micro dick, bearded, morbidly obese northern Michigan man and staying overnight. You have time to make a resume.

[B]

I need to make time to get my needs.

[A]

You know how you have time for your personal life? Having a job that doesn't demand 60 hours a week plus coming in for emergencies for only one week off a year. By fixing your resume and getting a better job. And then, oh, you have more personal time to take penis in your holes.

[B]

There's so many benefits to my job. Like everybody I'm able to.

[A]

Girls, 60 hours a week. Making your own schedule. Yeah, I'd hope so. But there's not much flexibility in the 60, so. What the are you talking about?

[B]

I make it work. I make the time work.

[A]

Okay, great. Okay, great. You are in delusion land. I'm glad it's the best you've ever had. I'm not saying this job is shit. It's a better job than a lot of people get. But you are in the world of delusion thinking that you just can. You're not willing to spend a little bit of time on a resume. It's always I will not. I have or I do.

[B]

I have been working on my resume.

[A]

Oh, shut the up.

[B]

I have said you can.

[A]

What is the CC bank loan?

[B]

CC bank loan?

[A]

Oh yeah. That you borrowed $2,400 for with the total payments of 4,231. What is this shit?

[B]

That was my personal one I took out to move the first time to

[A]

move you to move from across the state. Hey, guess who moved.

[B]

This was.

[A]

Where is it?

[B]

I did this.

[A]

You little. I did this personally over and over again before I went down to Texas. A much better place.

[B]

It wasn't for that Move?

[A]

What move then?

[B]

To leave my ex the first time.

[A]

Well, you. Why did that cost $4,000?

[B]

Because I needed a down payment. It was an immediate move. So I needed money.

[A]

Hey, every single year of my life. Except for the house I'm in, I basically moved out every single year.

[B]

It wasn't.

[A]

And I didn't borrow for it.

[B]

It was an instant move. We broke.

[A]

But why did it cost that much?

[B]

Well, because.

[A]

And why did you have an emergency fund?

[B]

Because I was dealing with a house issue at the time.

[A]

Oh, I was doing. Yeah. Well, no, you were dealing with health issues. You were morbidly obese issues, not health. What the you talking about?

[B]

I used to have a mobile home that ended up getting destroyed and we ended up having to go through mobile homes. I know it was rough. Oh, never again. It's all taken care of now. It's all off my. My heart. So I ended up being on the insurances thing and whatnot. But why did it cost this much money? Because I had to pay for the, like, the moving fees and stuff like that. And then I got extra so that I could have like, extra money for like, expenses for like, in case, like, I needed extra money for like, bills and stuff.

[A]

For extra money. The interest rate is 159.57%.

[B]

Yeah, I didn't see that when I.

[A]

What's the balance on this?

[B]

Got a couple more payments on it. Probably like, I don't know, probably like 3, 400, maybe that if it's a

[A]

4 residence day savings are happening now at the Home Depot with up to 40% off select appliances. Looking to upgrade your fridge? Check out LG's newest model serving up ice in all kinds of styles. Cubed crushed craft ice and now new mini craft ice straight from the dispenser. From cold brew to fizzy favorites, these refrigerators will have you entertaining like a pro. Shop president's day savings and get up to 40% off plus free delivery on select appliances like LG at the home Depot. Free delivery on appliance purchases apply. 1498 or more offer valid February 5th through the 25th, US only. Store online for details. Few more payments. It's not a couple hundred bucks. I'm gonna say it's about 800. Let's be conservative. 800 to still pay, especially with interest, with minimum monthly payments $211.58, which is insanity.

[B]

And that's bi weekly.

[A]

Then you immediately moved back in with the guy anyway, so I don't like what the. He took out a payday loan to Move back in with him?

[B]

Pretty much, yeah.

[A]

And why'd you move out the first time?

[B]

Because he cheated on me and I

[A]

didn't trust him, so that was the cheat. This. This most recent breakup wasn't the cheat.

[B]

So it's all together, so.

[A]

And his cheat was sending things that weren't private parts but were inappropriate, of which I guess we learned in the post show. Great. Was it his?

[B]

No.

[A]

What the else is there?

[B]

Oh, my God.

[A]

Is there? Colton.

[B]

Colton, It's a lot.

[A]

Colton, you have body parts. What else is there?

[B]

And this is something he didn't even know about.

[A]

Men's nipples.

[B]

When I told him, he didn't even know what it was.

[A]

Was it even cheating, or are you just a crazy bitch?

[B]

Hmm.

[A]

I don't know.

[B]

I've been cheated on a lot in my life. I know what cheating is.

[A]

Yeah, but I don't know if you know what cheating is.

[B]

If somebody gets a sexual arousal from the conversation in the videos and pictures that they get, I see that as

[A]

cheating that he get. But I thought you said he gave.

[B]

Oh, he gave them too.

[A]

What, pictures of cum?

[B]

No, just.

[A]

What else is to her? Oh, my God. Okay.

[B]

It's me and the post show. God.

[A]

Okay.

[B]

Yeah.

[A]

That's nice. Listen, did you guys have an established boundary that that was okay for him to do?

[B]

No. Well, then I had no idea he didn't even do it until I found out. I saw. I was looking for music.

[A]

You didn't do it until you found out or like.

[B]

I didn't. He didn't tell me about it until I found, like, until I found it.

[A]

That's okay. I mean, if you guys have the established boundary that wouldn't need to tell you either, if that's a part of it, but regard.

[B]

None. I didn't.

[A]

Many people have, like, pro flirting boundaries. Many people do. There's a lot of things.

[B]

Yeah, no, I understand. There's open behavior, polyamor, like, all that kind of stuff. Flirting. It's like. I understand that. No, there we're. We were completely understanding that we were completely monogamous in every single way and. But he was still.

[A]

Even though you're both sub. That's great.

[B]

Yeah.

[A]

So. What the. This is insane. Have you ever missed the payment?

[B]

No, it's auto draft. I have everything set up on auto pay.

[A]

But it's such a chunk because you just got a raise switching to the store. This is a huge percent. This is a big money.

[B]

It's huge. And it's every two weeks.

[A]

That's every two weeks.

[B]

Yeah. The 211 is every. So it's like 422amonth.

[A]

Yeah, 423 rounded up.

[B]

Yeah.

[A]

That's crazy.

[B]

Yeah. Every paycheck it pulls it. As soon as I get paid, it's gone crazy.

[A]

Extra credit. It's a personal loan again. What is this for? Total interest paid year to date, 3,000 hours. This is a huge balance.

[B]

Yeah.

[A]

That sake.

[B]

That is a consolidation personal loan I did with my bank.

[A]

And how'd that work?

[B]

I mean, I'm paying it off. They pull it from.

[A]

Yeah, well, you built up your debt again. Exactly. Every time. What's the point? Wait, that's your daily interest rate. What the Is your actual. Oh, it's a 20% interest rate. It's not even that better than credit cards. Honestly. The minimum dependent $155. So what happened here? When was this?

[B]

I got that.

[A]

It was 12,000 originally.

[B]

Yeah. I originally got it back in 2022 to consolidate a bunch of credit cards and an issue from the housing thing. The rental company was having like issues, so I just paid them out from it. It was like a lease thing. It was like a payout for a lease. So I just paid out that. And then that was all. Just all combined. I got it. My mom co signed on it with me.

[A]

No.

[B]

Yeah. Oh. My mom works for the bank for that.

[A]

Oh my goodness. She's really enabled you in every way whatsoever. Because without fixing your behavior before doing this. And she probably doesn't even know you. Probably just it all up again. Which we know you did. So what are we doing? But I'm confused because I'm being told you actually got this down to $7,000.

[B]

I did. So. So what the.

[A]

It is certainly not 7,000. I'm. Spoiler alerts. Three more.

[B]

Yes. So back in October, when I found out I was getting transferred over to the Grand Rapids area for my work, I increased it to $10,000 to get my mom off of it as a co signer and to give myself a little extra money to help. Because you took three. Yeah.

[A]

Oh, for sake. For that move. So you borrow for every move.

[B]

This move was paid for by my boss.

[A]

I have never had a move other than into my house when I just had money. Now I've never had a move that has cost me more than just a few hundred bucks. I. I don't get it. How does this happen?

[B]

Was to help subsidize income because my ex was switching jobs and that's his income. I understand. But as us being together and. And me being a Person that doesn't like to see him struggle. I wanted to have the enable for

[A]

the enable for the enable. Are you going to stop taking care of him? I doubt it. It's been two weeks. I doubt it. I don't think you can.

[B]

I've stopped doing everything for him for two weeks. No, I like it was before that I slowly stopped doing things.

[A]

And what has he said or thought or done? He thinks you guys are still together,

[B]

so I don't know why he still thinks that. We don't act that way. At least I don't act that way toward him.

[A]

Yeah, but what does he think of you all of a sudden? Not taking care of him and whatnot?

[B]

He just does things on his own now like he did before. Just he hopes that the things that I was doing before, I might actually still do well.

[A]

I like the refinancing to get your mom off it, because you shouldn't have your mom on it, but to take an extra three is crazy.

[B]

Yeah. No, I think subsidize. How long? I was only to subsidize for the. The rest of the year.

[A]

So two months. November, December.

[B]

Yeah, two months.

[A]

And where to go?

[B]

Went into different expenses like gas or things for the apartment.

[A]

And you're not gonna be able to survive on your own. What are we talking about? Especially if he moves out. What the are we talking about? There's not a chance. You had to take out a personal and try to make it. It's not a chance.

[B]

That was because of his income. Like, I know.

[A]

And if his income's zero because he's gone, then how. This is not A little less food costs, a little less electricity. Other than that, the rent is still high.

[B]

You're right. But with all the costs that I spend on him in those times, I won't be spending on him anymore.

[A]

What. What were you having to pay for food?

[B]

I spent so much.

[A]

Yeah, but you get a budget, Okay. I don't know how you're gonna be able to survive on your own. I don't know. I don't know. Oh, he's pissed you're here.

[B]

Oh, yeah. So I applied back in October originally, so I could come in 2025. You guys called me like that day, and so I was picking up. There I was. It was awesome. I loved it. And I ended up declining.com apply and I. I went home and I was like, listen, I told them maybe, but I think we're gonna email him, tell them I want to do it, like, right immediately. And he's like, why Would you want to do that? He made it very like. Like it was like a problem that I was doing this. Like it was like such a bad thing. Like I was doing something illegal or doing something wrong. And so I was like, I'm not including you on naive, but you don't even have to come with me. I'm doing this for myself so I can get my better and a better place for us as a couple so I can one day hopefully, you know, pursue the future we want together because we wanted kids together, we wanted a house. All like we wanted all that.

[A]

October, a couple months ago. Okay.

[B]

And he. I lost my train of shot. Sorry.

[A]

He was pissed.

[B]

Yeah, so he was pissed. But. And he's like, no, I just don't think you should go. And so I let it go. I was like, okay, I'll just reapply again. And then around Thanksgiving, I said, you know what? No, this. I need out and I need something better. I need someone who actually appreciates what I do for them in a sense and gives me what I need in a relationship. And what do you need? I need someone who will be ambitious like I am. I am so. I am hardworking, I am ambitious, and I am driven. Now that I'm not £450, I have all this energy to do all these sort of things and I can't get him to even plan a date. Caleb, I have planned every single one of our dates from the first one all the way to now.

[A]

Hey, sounds like a loser.

[B]

Well, I even for Christmas bought him like one of those scratch off date books to make it easy on to just scratch off. And then you plan to date and I couldn't even get that.

[A]

Okay, so you owe money to your mom. 1500. For what?

[B]

Random expenses. From. I'm on the card.

[A]

Huh? From. Huh? From what?

[B]

Either from the Disney trip or from, you know.

[A]

So what card specifically? You mentioned the card. What are we talking about? The card. Go into more detail.

[B]

I have a Discover card that my mom got in her name and I'm in authorization.

[A]

She has.

[B]

She has it. And I'm an authorized user and I have a car of my own permit that she allows me to use for any emergency expenses, anything I need, that kind of stuff. And then she just tells me to send her the payments back through our credit through our bank because we have the same bank.

[A]

So what are your payments then? You owe 1500. What's your minimum? Oh, come on. You don't have a scheduled minimum payment with her?

[B]

No, I. So I sent. I'd send her 100 every pay. That's what I agreed on. But she. She'll either send it back to me when she knows I do not need to send, like when she doesn't need it, or like not when she needs it when she thinks I need it, or she'll just hold on to it. So it's like $100 every chance I can.

[A]

I'm confused. I mean, I'm being told you thought it was good because you got an inheritance from your grandma.

[B]

So what the. Yes, I did get inheritance from my grandma. My grandmother passed away in May Normal and I'm sorry.

[A]

And what did you get and where the is it? Because you're dead broke. Broken.

[B]

I got. Got just under nine grand from her.

[A]

Okay. Grandma didn't have much. That's okay.

[B]

It spread through a bunch of all of us. She had a good amount, but it went. A lot of it went to her kids and then. And then it went to grandkids. There was like 13 of us.

[A]

Yeah, it was 9,000. Didn't go anywhere, it seems or a win everywhere.

[B]

Well, as I. As I've talked about, I'm a giving person. So one of the winning expenses was I bought a couple of things for my. I'm an online gamer and I have a couple of friends who are.

[A]

Oh my. Dude. Yeah. What. What did you get you.

[B]

I built it myself.

[A]

What components did you get?

[B]

You. I understand. I don't. Okay, I don't remember because it was back in 2020.

[A]

I don't know what's in your computer. Oh, it was a long time ago.

[B]

Yeah, it was a long time. It's a really old PC. It's a long time ago, but it does what it needs to do.

[A]

Oh, and you bought your ex a brand new PC too.

[B]

Yeah, so that's what I was gonna get into. So. Yes, with the inheritance.

[A]

Furry art.

[B]

Yes, because he is a free artist.

[A]

What did you buy on his PC? For his PC? What was it?

[B]

I bought the whole thing.

[A]

Yes. What did you get him?

[B]

I. I'm. I'm.

[A]

What? The Michigan Whit or come back on. We gotta talk about Michigan Education.

[B]

Said what on the PC, sir. You said what on the PC I bought him. I think it's a. Oh my gosh. I cannot remember the brand. I know MTX or something like that.

[A]

Is it good? How much was it?

[B]

It. $2,500. And it's good. It's. It's got.

[A]

How can you even afford to get here? I know. We reimburse you afterwards. How do you even afford to get here.

[B]

I put it on my mom's card.

[A]

Oh my.

[B]

And then I'm gonna send it right back to her so. So she can pay it off. Yeah, so the PC. So again I don't.

[A]

I don't give a. About your PC anymore. Yeah, 2020 was a long time ago. I don't. I don't care.

[B]

No, his PC When I just bought.

[A]

You just bought. When was it?

[B]

Oh, I just bought him that one in I want to say August.

[A]

How. How do you afford that?

[B]

The inheritance.

[A]

Oh, that was from. Oh my.

[B]

Yeah, that's why I got.

[A]

What is wrong with you? Using grandmother's money for a PC For a guy that we've broken up with once cuz he cheated on us and are ready to break up with him again.

[B]

Yeah.

[A]

Did he stick it in another woman?

[B]

Physically? No.

[A]

What? I am hyper against cheating. But with the language you are using I.

[B]

It'll make sense in the post show Caleb. Oh good.

[A]

Oh goody.

[B]

Listen, I'm just trying to be respectful, okay?

[A]

Be respectful. You're gonna respect a cheater? Yeah.

[B]

Uh huh.

[A]

I respect the cheater.

[B]

I'm not happy that I respect him.

[A]

Okay. Oh, debt to owed to family and friends. No, no, no. To friend. 500 to a friend. 500?

[B]

Yeah.

[A]

What are you owed 500 for? To a friend?

[B]

Yeah. Back in like 2021 I needed help with rent and so I asked bro from four.

[A]

Five years ago now. Yeah, five years ago. 500 for rent and you haven't paid that back. You dumped but you gave him a PC for 2,500 and you haven't paid back your friend? What is wrong with you? Selfish.

[B]

I bought him the PC because the one he had broke and art is his life.

[A]

Hey, you owe a friend $500 from five years ago and I'd rather not

[B]

have a depressive in my house because he can't draw his art.

[A]

Doesn't matter. Break up with him regardless of a

[B]

drink on his PC which lied to him about that and said I did it? No, the dog did it. So he didn't freak out on the dog.

[A]

Huh? You peed on the PC?

[B]

No, the dog dropped one of his drinks on. On the. On his PC.

[A]

Dog said you did it?

[B]

No, I said I did it. So that.

[A]

To who?

[B]

To him? My ex.

[A]

Why?

[B]

So he didn't get freak out on the dog.

[A]

He would hit the dog.

[B]

He would be upset with the dog. He to the point where he wanted to get rid of the dog like he was by that point.

[A]

Is it a Bad dog.

[B]

No, Knox is a wonderful dog. So he just has a low temper when it comes to things that don't go his way.

[A]

I'm not the best temper person either, but I don't like, take shit out on dogs.

[B]

We both love that dog. That's just all I'm gonna say with that.

[A]

I like how you can't give me any details about anything.

[B]

I'm not gonna say that he abuses our dog.

[A]

Well, does he?

[B]

No.

[A]

Then say he doesn't.

[B]

He doesn't abuse the dog. But there's definitely points where he doesn't take care of him like he should. That's just straight up.

[A]

That's animal abuse in my book. I love. I love when I applied to come on a podcast and then can't talk about things.

[B]

There's certain things I just can't talk

[A]

about due to respect, about how someone treats a dog. I'm sorry. I consider that you, at that point, if you're a piece of shit to dogs, cats.

[B]

I get it.

[A]

Okay, so mommy paid for the trip. You can't pay off your friend from few years ago, but if you had enough money. Okay. Did you buy his PC the day you got your inheritance?

[B]

No.

[A]

How long did you have your inheritance before you bought his PC?

[B]

A couple weeks now.

[A]

Why the did you not pay back the $500? You selfish.

[B]

Cause I forgot about it. Oh, I did.

[A]

Oh, yeah.

[B]

I have a goldfish brain, so I. If things aren't in front of me at all times for me to look at, I don't remember them. And so that was in my notes of debt that I just forgot about until we were talking about all of

[A]

this and 1,888 the collections for what? Probably $350 lightsaber at Disney as well.

[B]

Yeah.

[A]

Back your friend. What is wrong with you? What is wrong with you? Pay back your. Are you still friends with this person?

[B]

Yes.

[A]

Wow, you sound like a horrible friend.

[B]

I don't say I'm a horrible friend. I would say.

[A]

No, I do.

[B]

I wouldn't consider myself that way. And I understand why you would, but the reason I don't is because you

[A]

owe them money and you haven't paid them in years, even though you've had money to pay them for years.

[B]

Because they know what I've been going through. They know what I've been doing. So they know that when I have cheated on.

[A]

And you respect the guy who cheated on you for cheating on them. Like, I. I love respecting people that cheat on me and respecting them for that. And when they do something bad to a dog. I love respecting people for that. It's interesting. So why'd your mom think you came down here? That you borrowed money from that you probably won't pay back? Because you never pay back money because you get things that you want instead of paying back money.

[B]

I will pay her back.

[A]

Yeah. You have a historic representation of that. I believe that. Including your friend. Will the money go to your friend? The money should go to your friend. Will the money go to your friend the moment you get your reimbursement? How much did it cost to get down here? If you want to land a high paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many different in demand jobs ranging from technology, sales to accounting, construction, project management, the trades like electrician, plumbing, H Vac, supply chain and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career that teaches you all about what the job is like, how much money you'd make and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. It's a win win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime. This is a checking account that I personally use and you get up to a $350 bonus with a new Chime checking account and earn up to 3.5% APY on your savings. And second, my investing app of choice these days is Webull and get a 2% match on all of your money that you transfer over. And finally for automated investing with acorns, typically the sign up bonus is only five bucks but with my link you get $20. Ladies and gents, you get money, I get money. Enjoy Links Are in the description below.

[B]

Flight wise, it was like, I don't know, $500.

[A]

Okay, so you'll have a little more to give to your friend.

[B]

Sure. Yeah, I'll give it to him.

[A]

Will you?

[B]

Yes.

[A]

So your mom knew you came down for financial audit?

[B]

No, my mom knows things. I'm here for work.

[A]

So you lied. You borrowed and lied. So you cheated on your mother financially? Infidelity.

[B]

I am a person to have.

[A]

Does she respect you for it?

[B]

No. She will think I should have just told her, but.

[A]

Yeah. Whoa.

[B]

But I will explain that because 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.

[A]

Oh, what a cope. That's a cope. I'm. I'm an in person. When I tell my spouse that I someone else when she said I couldn't. It's waiting until the perfect moment to say it so that it would be excused.

[B]

My mom works for a bank, so she has amazing finances. She does well for finance.

[A]

You know how many people who work for a bank I've had on the show?

[B]

No, I understand, but no, what I'm like, my mom is really good, for instance. But what I'm saying is that like, good for her. I did not want to admit to her that I was going on a financial show instead of just going to her for the help. I did not want to have that.

[A]

Thank goodness you didn't. Because you. She would just enable you. She always did. So what's this calling exactly? $1880.

[B]

That is probably the old apartment that I used to live in. Nebraska.

[A]

Nebraska.

[B]

I lived in Nebraska for four years.

[A]

You look like you were hatched in a field in Nebraska. That makes sense,

[B]

huh? I don't know if that's good or bad. I like Nebraska, but I definitely wouldn't.

[A]

You like Nebraska?

[B]

I liked it. Yeah, it was nice. I liked living there. I met a lot of. A lot of fun people in Nebraska. Yeah.

[A]

You met people?

[B]

Yeah, One of my best friends lives there.

[A]

And do you not pay your best friend back that one too?

[B]

No, no, he.

[A]

Of course not. Of course you don't.

[B]

I don't owe anybody else money.

[A]

Nope. Just endless collections, including the extra 639. What's this for?

[B]

Probably a credit card.

[A]

Great. So why do you owe a previous apartment in Nebraska?

[B]

So when I lived there, I lived with a roommate who we got it in July.

[A]

Here comes someone else's fault.

[B]

And then not long after that, she started dating the sex who was a felon.

[A]

X. Did you mean X?

[B]

She dated? Well, it was an ex at the time. I think they're married now. I don't know. I don't know if she's. We won't talk anymore, but either way, she started dating this guy who was a felon.

[A]

Good for him.

[B]

Moved him in without telling me into the apartment, which.

[A]

Okay. Is he a dangerous man?

[B]

Well, yeah, he. He was a.

[A]

There's a lot of felonies. Is he dangerous?

[B]

Yeah, he was a domestic violence felon.

[A]

That's not good. We don't like that one.

[B]

Exactly.

[A]

You'd probably respect someone for doing it, but.

[B]

But no, but anyway, so she moved him in without telling me. Like, I went away to visit family, and I went home to visit family, came back and he was moved in. Told her that she had to get him out. Like, it's not like, you can't have that. He's. He's a felon on our lease. Like, you cannot. Like, we can't have a felon on our lease, let alone living in here without being on the lease. And so I talked to the apartment complex. I said, hey, can I just.

[A]

Were you on individual leases or a shared lease together?

[B]

It was a shared lease.

[A]

So I. Yeah, you signed that contract.

[B]

Yeah. No, 100%. And so when I. When I moved out.

[A]

Why were you telling Colton it was all their fault then? And then they. You over.

[B]

I would say they me over. Cause here's why. So when.

[A]

Yes, I know.

[B]

I'm getting there. So when we. When we redid the lease, I moved into a smaller apartment to, you know, make it more cost effective for me. When they redid it, they messed up the paperwork and said that I moved. That I. The lease started in November. They were just supposed to renew the lease in for July.

[A]

Okay.

[B]

When we first moved in, but they didn't. So when I plan to move out in June. When I plan to move out in June, I told them, like, okay, hey, my lease is ending. I'm moving out. Here's my notice. And they said, no, your lease is up in November. Ended up being a whole fight. And so that's just the last month's rent that I'm refusing to pay because the contract.

[A]

Did you sign.

[B]

Contract said that it was supposed to be up in July.

[A]

Did you show them that contract?

[B]

Yes.

[A]

And.

[B]

And they refused to accept it, saying that due to the resigning with the new lease, with her going off it, it was supposed to be the year showing the new lease. All it said was that it just Removed her. That's all it was, was that. Removing her off the lease. I know.

[A]

That's why I'm like, hey, collections. 512 for what?

[B]

Probably a credit card.

[A]

Why weren't you paying credit cards when.

[B]

That one, I probably was from, like, 2020.

[A]

This and the last one. Why? Plus another 257. Why? Why aren't you paying credit cards?

[B]

Probably because I just couldn't afford it. Just couldn't. Money payments. Because I. I didn't have the money in my account.

[A]

Why? Just you're. I know you're still getting your ass to Disney, so why spending?

[B]

I'm guessing, then, Disney. And, you know, you don't feel like

[A]

you're gonna pay it back? You know you're not gonna pay it back.

[B]

My credit cards? Probably not. No.

[A]

The collection's wine. I mean, do you spend other people's money?

[B]

I will pay them back if I have the money. But I don't have the money.

[A]

You don't have the money because you spend all your money on. You could pay off one of these a month just with your bullshit money spending alone. You Disney. What are you talking about? You.

[B]

Okay, then I'm gonna. Then I'll sit down and I'll budget out to where I can. I can't pay those. I would like to. So.

[A]

Girl, you literally got a $9,000 check from your grandma. What are you talking about?

[B]

And then I gave it to people who I thought needed it more. Yeah, I probably should have put that toward all of my debt, and I'd probably be in a way better position, but I didn't, because I felt like the people in my life needed something more. My ex was one of them. And do I regret it? Yeah, I do. But here is the thing. I did it so that they could have a happier life. Mike, the one that I bought a guitar for, he is the happiest man I've seen him in a long time. Because of that guitar.

[A]

Who'd you buy a guitar for?

[B]

I bought a guitar for my friend in Belgium.

[A]

Your friend in Belgium? Have you ever met this friend?

[B]

We video chat all the time.

[A]

You've never met this friend?

[B]

Not in person.

[A]

Oh, my. You're getting milked. Yeah, you're getting milked.

[B]

You didn't ask me for it.

[A]

Yeah, but you're getting milked. Milked.

[B]

I don't want to admit that because I don't feel it that way.

[A]

You have a Chevy equinox?

[B]

I do. 2020.

[A]

Homestay buyer. Okay, 2020. We're super excited. At a 16% interest rate of death. Why?

[B]

Cause I needed a car.

[A]

Where'd you get this? Needed a car.

[B]

I got it back in.

[A]

So what happens when you have collections on your credit? By the way, you could have saved yourself more money than paying off your collections by having a lower interest rate, most likely having a better loan.

[B]

Right. So when I got that back in 2021. August 2021.

[A]

Yeah. That was not interest rates then. We were in no better interest rate territory. What the. Welcome to having the consequences of your collections, dude.

[B]

Yeah, well, I needed a car because my. The car I had.

[A]

I'm not saying don't get a car, but also how much was the purchase of the car? Because you didn't need a car. This much.

[B]

It was $24,000.

[A]

What is wrong with you? Why'd you not get a 10,000 hour car? What the is wrong with you? Put some winter tires on that shit.

[B]

Because I wanted something.

[A]

Wanted. Wanted.

[B]

I know.

[A]

There it is. How'd you afford this? You were letting credit cards go to collections at that time. How'd you afford this?

[B]

I took out my 401k.

[A]

Oh my. What is wrong with you? How much did you take out?

[B]

$36,000.

[A]

Oh my goodness. And yet you still have a loan on it. On the car? Where'd all that money go?

[B]

So I did put a down payment on the car. And then some of it went to certain debts. Some of it went into savings to save for expenses like emergency fund and stuff like that. And then I did pay my mom. She asked me for a couple grand to help repair a car for my sister.

[A]

To your mother, the financially well off

[B]

mother, it was a technically a payback. Let me be clear. It's technically a payback.

[A]

There you go.

[B]

Yes, it was a payback for something earlier in the. Earlier in the year.

[A]

What do you think this car is worth that you owe $15,175 on probably around 15 interest rate.

[B]

13,000.

[A]

About 13,000.

[B]

Yeah. I think when I looked it up, because I do. I do want to get out of it. I do.

[A]

Kind of confused. You're answering questions correctly. Why are you so. So you're allowing it? You're so informed. This isn't ignorance anymore. Yet you allow it.

[B]

Yeah.

[A]

Get out of this car. Get a ten thousand dollar car at a better interest rate. What the are you doing?

[B]

I wanted the car one for safety. Because it. You know what you want.

[A]

I don't give a feel. I don't care. Modern cars are safe. It'll be fine. You're not getting a 1995 car.

[B]

I know, but at the time, I wanted the.

[A]

At the time. I'm saying now.

[B]

I'll sell it. No, I'll sell it.

[A]

Good.

[B]

I've thought about it. That's why I knew the price around, because I've been looking at the. Selling it it. Don't get me wrong.

[A]

Yeah, sell it. Save yourself $5,000 a day and a lower interest rate. Okay. Student loan. So what the did you do? Because I. You said you don't have a degree.

[B]

Yeah, I went to school for psychology. Clinical psychology.

[A]

And how much school did you do?

[B]

I went. I am a junior, technically, so I have, like. I would only have a few more. Not a junior.

[A]

You're not in school.

[B]

Well, I probably only had about maybe a year and a half left left to be able to get my bachelor's.

[A]

Hey, you dumb, absolute.

[B]

What?

[A]

Instead of actually paying off your. Instead of actually taking care of this, being a responsible adult, setting yourself up for success when breaking up with your boyfriend, needing to move out, 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.

[B]

Yeah. When my.

[A]

What is wrong with you?

[B]

Yeah. Okay. So the same.

[A]

The same is wrong with you, woman.

[B]

So. So the same day my grandmother died, I was at a funeral for my grandfather on the other side of the family. Yeah.

[A]

Old people be dying.

[B]

Yes.

[A]

That sucks. I'm sorry.

[B]

And at that funeral, I was talking about my. To my aunt that like, oh, one day I want to buy a bike. Like, one day. It was a plan down the road. Like, we weren't. We knew we weren't ready for it, but we were thinking about it.

[A]

Did she Death Sympathy sell you? She Death Sympathy sold you.

[B]

She said she had an old bike that she wanted to sell, and I said, well, death purchase.

[A]

You're a death purcher.

[B]

Yeah. So as soon as inheritance came in, I set it aside. It's sitting at my house.

[A]

Oh, yeah.

[B]

It's sitting in my. In my apartment.

[A]

Death sympathy sold you.

[B]

I have a love for motorcycles just from a kid. Because my grandfather and all that.

[A]

Which is why associating with death and nostalgia, you then spend $2,500 on instead of taking care of your shit. Yes, you Death purchased a motorcycle should never Death purchase. Never Death purchase.

[B]

In the moment. I truly, truly just wanted.

[A]

Welcome to a death purchase.

[B]

I know.

[A]

And he had a double death. That was a double death purchase.

[B]

Technically. Yeah.

[A]

Well, yes, two people died.

[B]

Yeah, it was.

[A]

It wasn't figuratively yeah. And I'm sorry again.

[B]

No, it. It happens.

[A]

I'm gonna be broken when that happens. Not looking forward to it. So you must drive it around a lot.

[B]

She's holding on to it right now.

[A]

Okay.

[B]

She was supposed to bring it to me in August.

[A]

Sell it. You.

[B]

No. It's a sentimental thing.

[A]

Yeah. Cause you. Death purchased it. You.

[B]

I understand.

[A]

You shouldn't have. Death purchased it. No, Death purchasing. Death sell it. Wait for someone else to die and Death sell someone else in the family.

[B]

I would sell the car over the motorcycle.

[A]

Okay. Death, sell your car.

[B]

Okay.

[A]

I'll sell it and then drive the motorcycle in the dead of winter in West Michigan where, like, there is no happens.

[B]

That is the problem. Yes.

[A]

Well, that is the problem. Which is why it's not realistic. Which is why get rid of the bike. Sell it to someone else in the family. Dumb tit. What are you doing? No, no, no. You know what?

[B]

No.

[A]

Why?

[B]

Because that is something I truly, truly,

[A]

truly, truly can't afford.

[B]

You're right. I can't afford it. But I. I. Because I have no other way to connect with my grandfather and that side of my family anymore.

[A]

A bike? I'm sorry. Are we really doing the inanimate object thing? Are we doing that? Is that a thing we do? Do we do that? I don't think we do that. Especially for motors and gears. It's not an urn. If it was an urn. I'm not saying sell the urn. Like a keepsake from a family or a ring or something like that. That was like grandma's ring. People have had grandma's ring on the show before. I've never said sell it a motorcycle. Something that will likely lead to your own death.

[B]

All I can say is I'm not going to be stupid with it. That's all I'm going to say.

[A]

Yeah. I do not trust you for that.

[B]

You don't got to trust me. All I'm going to say is I'll be safe and that's what matters.

[A]

Why do I even believe that the fall death injury rates for motorcycles might fall so hard it kicks your jaw into the center of your face.

[B]

That'll be my own fault.

[A]

Then. It'll be good.

[B]

Very true. It'll be good for me.

[A]

Why? Why did you drop out of school?

[B]

Well, I went out psychology school recently because I.

[A]

Recently?

[B]

Yeah, it was April. May. Wait, in the fall?

[A]

You accumulated this last year.

[B]

This has been over since I was over 18. I've been in and out of school since I've been 18.

[A]

Why?

[B]

Just different schools. So I went to a community college back home first to get my grades up.

[A]

Up.

[B]

I was supposed to actually come out to San Antonio for school for powerlifting and.

[A]

For powerlifting?

[B]

Yeah. I'm a powerlifter.

[A]

Powerlifting? Yeah. School for powerlifting.

[B]

Well, there. So I would.

[A]

Capitalism has gone too far.

[B]

No. So I would go to college and power lift for the college. Like a sport.

[A]

Why didn't you? If they were paying for school then.

[B]

Because I recruit. Got recruited out to Illinois for the same thing. They. They pay me there. They pay me more. Yeah. To Midland University or, sorry, McKender University. It's a Southern. It's a private school.

[A]

Southern.

[B]

It's a private. Southern school. Illinois and North.

[A]

Okay.

[B]

In Southern Illinois. Private.

[A]

And they covered your college?

[B]

Some of it. I had to take off student loans, of course.

[A]

Oh, my goodness. To power lift. Okay. Sake. And then do you have minimum payments on this?

[B]

No, because I just started ending school, so we haven't.

[A]

Huh? You just started school again?

[B]

I just stopped. Like, I just stopped going to school.

[A]

It's gonna pick up again. It's probably gonna be like 150 bucks a month.

[B]

Yeah, yeah. I'm. I haven't looked too much, but I'm going to.

[A]

Oh, yeah.

[B]

And then I also did culinary school as well.

[A]

Why? You can't bite down on things.

[B]

I was a bakery baker.

[A]

It is soft, okay.

[B]

Yeah. And I didn't eat it most. Well, I did back then, but I don't eat it now.

[A]

Yeah, yeah, yeah. You make gluten free shit. I don't want you to be a baker.

[B]

I definitely make a lot more gluten free now. Yes.

[A]

Nasty ass. Okay, $5 in this checking account. Sissa. Other loaners. No, I already saw this one. Okay.

[B]

So yeah, same bank. So it just kind of came to an account.

[A]

900 bucks down from a thousand. Savings is flat at $5. 55. Withdraw courtesy fee. McDonald's. Come on. What the McDonald's. Former fatty to a McDonald's and then dangerous. Okay. Amazon prime courtesy withdraw again. What does this courtesy withdraw? Constantly?

[B]

Probably my weed habits.

[A]

Why is it a courtesy withdraw pay fee?

[B]

Because I pull it from the ATM in the dispensary. If I.

[A]

Losing teeth and smoking weed. Northern Michigan Hulu withdraw fee with our fee with trophy discord. She has a discord. Kitten Paramount.

[B]

I cancel it.

[A]

Crate with draw fee. With draw fee. Spotify, Crunchyroll Golf. Big Apple Bagels. Amazon. Meyer express. Meyer Express YouTube membership, which is the best one and number one on YouTube where I guess we get all the interesting stuff is when you click that join button. Join Hammer Elite. Join the literal. Like 50,000 people or whatever. It's so good for a reason. Coinmaster. Coinmaster. Taco Bell. Crunchyroll again. Blizzard. You eat like shit. Dude.

[B]

It's not. That's the thing. It is.

[A]

So Jersey Mike's.

[B]

What?

[A]

Jersey Mike's. There's no small Jersey. Mics. Texas Roadhouse. Coinmaster. Coinmaster for 1730.

[B]

Coinmaster.

[A]

Coinmaster. Coinmaster. What is that?

[B]

Coinmaster is a mobile game that I spend money on when I'm bored.

[A]

Like hundreds of dollars.

[B]

Yeah.

[A]

What the wrong with you? You owe 500. You're a bad person. Jersey Mike's. Withdraw fee. Withdraw fee. Meijer. That's probably groceries. Coinmaster. Coinmaster again. Total overdraft this year so far. $188 in this period alone was two overdrafts.

[B]

Yeah.

[A]

Oh, you're. You're. You're done. You're done. 401k. Do you still have one?

[B]

So I am. I do have a 1k with my work.

[A]

What? Okay. And how much is in it?

[B]

It's around 4,000 right now.

[A]

Great.

[B]

They just started.

[A]

40 to 4. Okay, let's get your debt. Minimum monthly payments. I'm putting your student loans in there because they'll kick in anytime now.

[B]

Okay.

[A]

Okay. It's about to be 1,278, but hopefully the student loans kick in by the time that payday loan one goes out. Your rent, let's say a thousand because that's where it's going to be. What's your utilities alone going to be? Expensive gas in the winter, expensive electricity in the summer.

[B]

What I would say probably average it like. Like 150. Because right now all including Internet or

[A]

outside of Internet, because our utilities. Internet into 150 though.

[B]

Yes.

[A]

Okay.

[B]

I don't need expensive.

[A]

Okay. Phone bill.

[B]

My mom pays for it because it works.

[A]

It easier do helium if T mobile is good there and it should be. It's Grand Rapids Do Helium. It's like cheap. Like 15 bucks a month.

[B]

Month.

[A]

I'll also give you a course career certification so you can continue laddering up in the career world. And also make sure you use the Fizz card. It's a debit card that builds credit because you can't be trusted with credit. Look what you've done. Okay. So we'll get those resources to you and we'll also get you in the master your money program. Gas. How much on a monthly basis? Vroom, vroom. Drive, drive.

[B]

I would Say probably budget for around. Probably 200.

[A]

Okay. Car insurance?

[B]

It's under my mom's.

[A]

You have every opportunity to do well. 300 for food, TP fund. Anything else you need to survive? Hundred dollars. Medical, health care. Their co pays monthly basis. Medications, urine therapy. How much? Oh, overdrafts was 1088 this year. 1088. Not 188. 1088. Oh, dude, you're. Oh my. Good luck. No, you put on a good face. But you're. I. I don't get overdrafts that high. That's historic. You're.

[B]

Yeah. I didn't know it was.

[A]

And payday loan. Good luck. Okay. Yeah, yeah. Co pays on a month. What?

[B]

I. I would say probably. Let's see. 150.

[A]

Gym.

[B]

Yeah.

[A]

20 subscriptions. I'll try about 40. Anything else that needs to be in the budget? How much for the dog? Pet insurance is 250.

[B]

I have a cat too. Pet insurance and renters insurance is all together 110.

[A]

Okay. Hopefully it's good pet insurance. How much for pet food?

[B]

I only pay for the cat food, so it's probably only like 20 bucks a month.

[A]

Yeah, but you're about to move out and I don't think he wants the dog, but.

[B]

Oh, he wants the dog. He made it very clear.

[A]

What? This makes no sense. I cannot wait to learn about this guy in the post show. Guys, if there was an episode of Sign up for Hammer Elite, this is the one.

[B]

Apparently it's gonna be the one.

[A]

You barely make a wiggle room. But $3,368. But I know one of those debts is going to fall off soon. The. The payday loan. But then student loans will replace about half of it here pretty soon as well. So you listen. Right now at 3368, you have 232 left over. You're about to have 432 left over. But at 232, student loans is not an emergency payoff. But that's not even including the 34. 25 divided by 432. It still takes a really long time. That still takes five years. Even with the payday loan being gone and not focusing on the student loans at all, that student loans will still be there still takes five years. Yeah, it's time that we leverage. We need to just go make more money now. You've just put yourself in a really bad debt situation. And that doesn't include collections either, which will keep your credit score low. Now, yes, I. I would sell the car, get a $10,000 car hopefully better rate. I don't know. With your collections and debt to income that might be hard but at least say $5,000 there might save us about six months or a year in payment. That helps. Might be a four year process. Get a better job, use the certifications to course careers or work a second job and stop this feet dumbassery. And maybe we get this down to 3 years but I think that's our

[B]

path to take off and I mean

[A]

or shut the upper.

[B]

Come on, you gotta embrace it. All right.

[A]

I'm done. I'm done. Join the post show. We're gonna learn everything about the guy finally. What I want to know everything and what this cheating not cheating, whatever. I don't it's gonna be good. Hammer Financial score first though spending in a budget. You spent slightly less than you made but it was more than you say you normally make. But nothing went to actual debt or anything beneficial. So 2 out of 10 debt collections 0 out of 10 emergency fund nothing. 0 out of 10 retirement dramatically behind at your age I'll give a 2 out of 10 real estate 0 out of 10 your trainer financial score Caleb hammer.com hers is a 1 out of 10 click join join hammer elite best membership on YouTube three three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. It's great. See you there. What did he do?

[B]

He is a furry artist but he's in a inflation free artist.

[A]

What does that mean?

[B]

It means he likes to make his art very bloated like balloon like and he likes to do do the do that to himself in person too. He likes do what? He'll take a and a hose and put it up his and then turn it on and he gets like off by doing that. Oh yeah.

[A]

Well I've never heard of anything.

[B]

Oh yeah.

[A]

Hammer Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium show every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join and that's a promise.