$500,000 In Debt To Be Failed OF Model | Financial Audit

27:25I guess we'll look at the grandma's house first and then we'll get into these other statements not grandma's, mom's house and then we have a lot of credit cards to go through but$6 ,000 is what comes in yeah, I would say if you have to make a$2 ,500 payment on one house then you have another house as well and we're trying to move when are you moving to Fort Worth by? September 27th, I'm driving out here it's official? yeah, I have a place wait, we're in September I have a place this is in 10 days yes wait, what the f***? why? What do you... I'm flying back and then I'm driving out here. Why do you have to do this now?

27:57Because that's... Timeline. No, you're... I have a tenant for my place. And I'm paying less. You spend identical to what you make. Oh, yeah. Well, actually, compared to payroll, you actually spend$500,$300,$400 more than you make. Yeah. You have substantial debt, not mortgages. We're talking over$20 ,000. All of that combined, we're talking almost$500 ,000. No, actually, no, because there is an additional Chase Inc. card with$9 ,000. And then Wells Fargo,$10 ,500. Wells Fargo bank card,$1 ,500. Where the f*** are you moving? Because I have a tenant who's taking over my mortgage. And I am moving into a place that's cheaper.

28:41Hopefully, if there's no expenses that pop up, do you have a rental property management company? I don't, but my neighbor. Oh, f*** your neighbor? Your neighbor what? She's really reliable with stuff if I need her over there in like two minutes. Oh, you're f***ed. Yeah, so Fort Worth, my rent here is$1 ,300. And my tenants are paying$2 ,000 at my home. So I am going to be spending significantly less living here. Just don't get it. Away from the beach, away from the traffic, away from the food. No, it's devastating. It's Fort Worth. I love St. Pete. Maybe your prayer was wrong and you needed a second one.

29:19Don't think so. The living situation I got here is pretty, pretty great. Yes, because no one wants to live there. It's out of desperation. No, not at all. Come on. Okay, but it was nice not having the finances to be able to go on Airbnb. So I found the place I'm staying on Airbnb. Host, it's a four bedroom. I do have three roommates, but they're all awesome. So I'm happy about it. I like being with people. I'm an extrovert. What if one's a gay? So? New age Christian. No. Oh. I love everybody. But when they bring over a flap to flap with? Just because I don't agree with someone's lifestyle doesn't mean I'm going to be.

30:04There it is. Yeah. Fire and brimstone. Ah. Are you trying to like classify the type of Christianity based on, okay. No, I'm with you. But you're also going to be living in a roommate situation, going from owning a house to living in a roommate situation. So. Trust me, I fuck with everyone. I fuck with the Christians. I fuck with the gays. I fuck with the blacks. I fuck with the Mexicans. I fuck with everyone. I know, I know. So the cool thing is the first six months of this year, I hosted Workday volunteers in my house. So I was living with people anyways. You say these people are great. How much do you know about them?

30:42I just met them. I really enjoy their company. We have similar values. Is it three women? Yeah. Three hardcore Christian women? Yeah. Oh, Fort Worth, ladies and gentlemen. We get along. We've had sleepover parties already. Some friends have come over from one of the girls. Christian women have on sleepover parties. Yes. Ladies and gentlemen of Financial Audit, this is one of the most exciting moments in this channel's history. You know I've been working on building all these educational tools, our budgeting app, all this crazy stuff over this past year, because that is where my passion is. We finally did it, and now we put it all into one program called Dollar Wise Central.

31:25You get the premium version of my budgeting app. You get the cookbook mailed to you and signed by me. You get to learn about debt, investing, budgeting, real estate, basic beginner stuff, and finance all the way to the advanced stuff. Collaborated by experts with the lowest refund rate in the industry for a reason. And guess what? If you are struggling or you want to learn more or you want to change your life in any way whatsoever, like literal tens of thousands of people have done with our programs, go to dollarwise.com. Click that link below. Your life will change. It'll be incredible. And I am here for you with an incredible support team that you can reach at any time.

32:05This is a no brainer. Dollarwise.com. Let's go. They made cookies. That's about it. That's all we got. Taste of the cookie. Oh my gosh, bro. I would like to see. So yes, it's a good situation. I'm happy with it. And I'm going to be spending less money out here than I would at home. Granted, I would love to see. I hope so. You'll be depressed in your car infested infrastructure that the only thing you'll want to do is escape and go spend money. Or order things to your house. There's trails. There's lakes. I just, I walk. I go, I watch the sunset, like relatively. The sun always sets, no matter where you are.

32:45That is true. Yeah, so we're good. I got things to occupy me. It's fine. I'll be fine. That happens once a day, by the way. And it's usually late. Yeah. What do you think your finances are? Score zero to 10, zero being the worst, 10 being the best. Like a two, just because I have real estate. You do have real estate. I don't know. Let's see if it's even good real estate, though. I mean, that's the big question. Okay. If you want to know where you stand in the world of finances and if you should start an OF, go to CalebHammer.com. Take the Hammer Financial Score quiz. See where you stand, where you need to improve, where you need to do better.

33:22It is free. Only takes a few minutes. And also, if you don't want to be like a guest who shows up on this show and has to start an OF to pay their bills, make sure you download the DollarWise budgeting app. That's what this show is powered by. It is my preferred and favorite budgeting app. Take the free trial and if you like it, sign up for the annual version to save a lot of money. And when you do, I'll sign my budget-friendly cookbook and mail it directly to you. And there's only a couple months of that left. And then they're going to go away forever. DollarWise.com to learn more. All right.

33:51So, again, yeah, this mom house. Let's write down the deck because this is a situation. I'm going to have you pull up the address while I write down the information. Okay.

34:03Beautiful. You allowed to use screens in your denomination? Yes. What denomination are you? I was raised Wesleyan. I don't really have a denomination, but I would say I'm more Pentecostal. Is that stoning the gays or is that bringing them in? It's like just very spiritual. Hippie. Just, you know, the Pentecostals speak in tongues. Yeah. Yeah, they pray very charismatically and they believe in healing and like all the things that were back then. Except for the tongue thing. It sounds like Christianity, but you're just making sounds perhaps? I don't know. I don't do it. May you make a sound for us right now?

34:51I don't know what to do. They just say, they just like, I don't know. It sounds like they know what they're doing. I just love an example. I don't know. What have you heard before? Like they just go and they like move their tongue really fast. What is that doing? And it's apparently speaking in the heavenlies and like to the heavenly realms. And let's say you were prophesying or talking to someone or praying over someone in a different language. They may be able to understand what they are saying or be able to feel the Holy Spirit more through that. I don't know. That's the one like debatable.

35:32I'm not quite sure. I haven't researched it that much, but I've been around people that speak in tongues. I've been to Pentecostal churches where they're all like going for it. And it's an interesting experience. It's pretty powerful. Good tongue practice. Yeah. For the sleepovers. Great. It's weird. I don't know. Again, I was raised Wesleyan. I don't know what religion I am. I'm a believer of God. It's very interesting. What's Wesleyan? That's where I am. I think it's Midwest. I don't know. Like a sub-denomination. That's just where I was raised. But I've never heard of like da-da-da-da-da. I don't know.

36:12I didn't go to church to find a denomination. I just read. Here's mom's house. It looks like something out of a fucking... It's a little fairy home. Tim Horton movie. It's cute. Cute is luckily a subjective word.

36:31That wasn't a good reaction. It's definitely a form of an A. Yeah. It has a balcony in the back. It's a two-story. It's... Random? It's cute. Okay. Lots of questionable reactions. Also, especially for the renting in the Airbnb, looking at the street view and stuff, it looks just like a very trashy area. Is that where someone's going to want an Airbnb? be? I don't think it's trashy. The houses on the street are pretty nice. Like in the neighborhood. Dude, I'm doing street view around it. It looks like a trailer park. Yeah, there's a trailer park nearby. Also, it's close to the bayou, not even the ocean, right?

37:14It's close to the ocean, Sunset and Fred Howard. Okay. Yeah. Yeah, I mean, there's an equity position in the house, thank goodness, but that's mostly because you put it down. Other than what you put down, What did you buy it for? $3.27. Well, that's what it's worth, apparently. So good luck if you have to sell this because you will lose money after fees and whatnot and closing costs and all the goodies. Yeah, really. Hope you don't. But again, where's Mama going to go? Did you answer that? A van. That's right. Okay. And that's certain that you're going to be able to rent this house out and not pay this mortgage.

37:54She's agreed to this. Yes. I'm just yeah so we're caught up to September but the grace period was September 15th and I texted her yesterday and we have not paid the mortgage for September so there's another it's a$95 late fee every couple weeks until she pays it until she pays it and you're not going to because you don't have the money right sister doesn't work and she doesn't work That's fine. I mean, your sister's not necessarily required to. It's good to get some work experience, but. Yeah. Yeah, you're behind. Total do 5 ,000. For fuck's sake. So that was covered. Yeah, but now it's not again.

38:35Right. So we're about to have a double payment again, and grandma's not going to give it this time. Mm-mm. This is. It's really bad. Yeah. Oops. Wait long enough without someone coming in to bail, and you lose the house, and that 70's gone. Yeah. Yeah. If worst case scenario, I am going to have to make a tough decision and get renters in there that will actually pay. I my relationship with my mom has been rocky. I really don't want to have to do that. Your sister's there. And again, the mom relationship. Are you going to kick her out? Right. Are you? I really hope it doesn't get to that point.

39:14And then there's your house. And then we'll get into the, you know, juicy debt specifically. But if we're talking about the, you know, obviously these are massive expenses and we're moving to Fort Worth. How did the Fort Worth come to you? I prayed about it. And then as I was going to sleep, I heard a voice that told me. Well, it was my voice. It wasn't like a deep, dark, mysterious voice. Well, you know, that's a very normal thing when you go to sleep to hear a voice. Yes. You're in that mixture between like dream space and space, especially when you're very stressed. That can be a common thing that pops up.

39:47I mean, it's rare, but it's a normal thing. Yeah. So there was a location and then it was like confirmations over the past couple of months. I didn't actually seek out tenants. Targeted ads after you searched Fort Worth? No, like more physical because I was at a, I was serving with my church and I was in a kitchen helping refurnish. You are a woman. Yes. And I went down. She likes it. She's a trad Christian. I saw a book and it was from the woman that we were refurnishing the house for. And it was a Bible study. And at the bottom, there was a location of the ministry that it was from. And it was Fort Worth, Texas.

40:29And then after that, I kind of started to research Fort Worth. And I'm like, okay, I could, if I'm going to. No, I could live in a highway. I could live there if I had to. So then I said, all right, well, I'm not going to look for tenants if this is really where I'm supposed to end up. I know that God will provide me a tenant. And within three weeks, one of my old friends who I've recently reconnected with reached out to me looking for a place in St. Pete. And lo and behold, she ended up signing the lease a few days or a few weeks later. And in that meantime, I found the place that I'm living now.

41:06And if for what it's worth, my neighbor parks two vans on my front yard. Oh,$200 extra. Yeah, you're not selling it. Oh, if it's that kind of neighborhood Okay, on this house you owe $193 ,480.45 Minimum payment$1 ,705.41 I've also come to the like You have? I've come to the like Okay Yeah But man, it was fun Yeah Yeah You remember being a I really Wasn't I was in a long-term relationship Oh, you should have been a I had like one hookup That's it That's a single Single One. One. One experience. And then was like, no, not for me. Listen, they use, someone hears now and they hear insulting, but I love being a whore.

41:53So much fun. It's like, it's a praise, honestly, if you call me a whore. Yeah. That means I was getting laid. Right? It's actually a biblical term. Sure. I bet. What does it mean? Amazing man? Sure. We'll go with that. Yeah. I believe you were and still are. Oh, I've become a better man. Mm-hmm. Wanted a family. Barely. I do want a family. Yeah. Barely, barely equity position in this house. But what did you put down on it? What did you buy this for? I bought it for$2.47. Oh, yeah. I mean, it's barely gone up. So you're probably, again, if you had to sell us today, you'd lose money. What's your rent?

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43:53You will not regret any of these. Change your life today. They're renting it for$2 ,000. Oh, okay. That's honestly not a lot of wiggle room because$2 ,000 when you're setting money aside 3 % at a minimum basis for any future vacancy and an additional 3 % minimum for any future repairs, which by the way, that's honestly not enough. I would double those each. You're not making money. But at least you're covering the cost. But if a roof has to be replaced, which? 2022 roof. Maybe. Okay. It's a small house, right? Very small. Oh, it's a two bed, one bath. Who the f*** would buy this from you? because it's a very interesting thing.

44:29People don't buy these houses anymore. There'd have to be some kind of business opportunity. 802 square foot. With the garage, it's larger. But I didn't have any plans on selling it, honestly. And I have a decent-sized backyard, so I can put a secondary structure on it eventually. I don't know if I'd do that, honestly. Okay, let's move on from the real estate. But you got a 6 % rate on here. Here's the juice.

44:56Oh. She's ashamed. She just... What? And she's ashamed and... All right, we'll get into the juice, I guess. I used to feel very bad when I... Back at like 15, 16? Yeah. You're like the first thing. Like, I don't think we've had like... It's just so interesting to talk about your religion because we just don't have people that are just like religious on the show. I know. So this is such a different conversation. I'm so goony right now. Goony for religion. Sapphire Preferred,$3 ,870.20. What is going on with this card? So I went on a trip for my dance team. We were competing. And... Booty on stage?

45:47No. That's illegal. Actually, I did not. But I went and I put... No, I was on stage, but I'm on a hip hop. I was on a competitive hip hop team. Hip hop. Now that's the devil's music. And that's what makes it look like hip hop. Not necessarily. It is secular. It depends on the messaging. We did dance to get it shoddy by Lloyd. So it was a sacrifice to leave that behind. That was definitely one of my loves. So I went there. I put the Airbnb that we were all staying at on my card and then I had people How'd you pay for that? But did you take the money that they gave you and pay on it? Yeah Like maybe 80 % Okay why?

46:36Why not the total? Because they all paid at different intervals Why is it on you to put it on your card? Because I like to mom I guess and I wanted a space where I knew that I would like and I wanted to make sure that I was covering the groceries and stuff and have, I like looped the grocery cost into the stay. So I had people pay for everything so that I could do a big Costco haul when I got there. So a lot of that was like. I mean, dude, this is almost maxed out. This is almost maxed out. And it was over maxed out at the beginning of the month by far. And you still purchased$202.48 while$95.26 of interest accrued.

47:14Hey, if you don't purchase on this and you make your minimum payments, how long does it take to pay off? Probably like 15. 14. Pretty close. So it had an— It's as long as you can get married in the church, right? Yeah. I guess. It had a balance. I don't know. That's more Catholicism. Yes. Actually, that's more like eight. Okay. Anyways,$18 ,000 was my limit until the summer, and then they dropped it to$4 ,000. So— Good. Why? Because you're looking like an untrustworthy person. Listen, I'll let you use the Fizz card, debit card that builds credit, because at least you can't f*** yourself like you are with this.

47:48This is crazy. It is crazy. Do you drink? Do you do any drugs? I'm so interested. You're like a little, you're a creature I want to study. Your life, like you're living such an interesting life because no one your age does this. No, I don't smoke. I don't drink. I don't do drugs at all. What's your vice? Do you do caffeine? My vice is picking at my skin. Do you do caffeine? No. That's like a lot for me. That's like, Brandon told me it was 60 milligrams. Uh-oh. She talked to Brandon before. A little tough. Uh-oh, Brandon and her had tea before the show. Oh, wow. Whoa! Sticking it in the butt. Later.

48:27My advice is, uh, sweets? I like sweets. That's about it. Okay. I'm just very curious. This is a very odd episode. But, uh, tea, boba, that's caffeine. Yeah, a little bit. Okay, but boba tea? It's illegal, potentially. What do you mean? Caffeine's illegal for a lot. Of religions? The Mormons? Like, SLDS? Yeah, I'm not Mormon. Well, who was right? Who gets into heaven? I'm afraid it was the Mormons. There's many denominations of Christianity and, like, um, what's it called? I don't know. What's Robert? Robert was raised something weird. But, like, I'm not religious. I have a relationship with God, but I go to, like, a non-denominational church.

49:13Yeah. A rebel. Okay. This is, yeah, my statements are very rebellious, as you can see. It's the cart. Not really a good use of money when we can't pay off our f***ing cards. And yeah, there's the Airbnb, but that was the small minority of like what you're doing, actually. And then Starbucks. You've had fees this year. I think that's probably the annual fee, though. And$358 of interest accrued. Yeah, pretty bad. I will say I was spending a lot more the first half of the year because I had work stay volunteers living with me. So they were helping me. This was the time where I was still like, I can do it.

49:51I can make a living off of social media and hosting in-person events. And I'll just start doing that. Is that why you bought like one of those like thousand dollar, like bull online courses? Which there's many good ones, but even still all of our educational stuff, it's like the debt class, the budget class, the investing class, the real estate class, the recession class, the beginner class, all that, which has the lowest refund rate in the industry by far and changed 10 ,000 people's lives. Literally that, people can get all of it for, what is it, 197? Yeah. What the f***? You spent a thousand hours on some bulls*** online thing that probably doesn't have anywhere close to what we have?

50:31Yeah. Oh, to get access to a private Discord. Oh my goodness, tell me about it. That was back in December, right before 2025. I was like, this is my last ditch effort in trying to redo socials and see if I can make a living. Still just brand deals. Don't post about periods. Like no one gives a f***. Yeah. I mean, there's advice number one. I'm not passionate about like the stuff that I was posting before. So I just did that and I tried, but. But you have to decide. Like, do I always want to film this show? Not necessarily. Yeah. But it's my career. Yeah. So I bought a thousand dollar course because I met the people in person and they made it seem like it was, they were giving me brand deals to post like face masks and stuff.

51:20And so I basically broke even. If you have to buy into making money. Yeah, it was, yeah. Very pyramid-y almost in a way. Yeah, I have been in some of those. You have? Yep. I was in a multi-level marketing company. I'm not shocked. It seems you kind of follow and fall into things quite easily. Yeah, my parents got me into it. Have you been in a cult? I would consider that. It was pretty culty, but no. Like a religious cult, no. Your parents got you into the pyramid? Yep. How the f***? I was 16. They started with this company called Isagenix. I went to a class with them. Yep. And then when I turned 18, they signed me up under them.

51:59And they told me that I was going to make a bunch of money going to college, selling a meal replacement shakes and cleanses to broke college students. And that did not go very far. The course that you got, the$1 ,000 one, was there a 100 % money back guarantee no matter what? I don't think so. Never buy one unless you do. Because all courses, listen, online, again, there are actually good ones. We do some good ones. I'm friends with people that do some good ones. But if they don't have a 100 % money back guarantee no matter what, no questions asked like we do, then I wouldn't trust it. Because that means they're just trying to capture your money and run.

52:31We're confident that we provide value so people are willing to like, okay, yes, let me pay you for the value. Yeah. Like what the f***? That's insane. I know. I spent a lot of money on courses thinking that it was investments. How much? How the f*** much? I was spending$1 ,000 a month on business coaching before I got into this career. Like I'm a W2 as of February. But before that, I was really trying to build my private nutrition practice. And for a while it worked because I was getting the traction on social media. But then when that died, I didn't want to pay for ads. So I thought that I could hire for tools, resources to systematize things because it sucked.

53:14It sucked wearing all the hats, pun intended, because I was like the marketing person. I was the salesperson. I was the website tech. I was the dietician. It just became so overwhelming. So I was like, let me take some of this off my plate. Let me hire people that could actually support me. The business coaches were friends of yours though? Yeah. Friends of yours? Here's the thing, dude. Even, even fucking literally a valet the other day at a sushi restaurant. He's like, oh, I'm a fan of yours, man. man, I've always been interested in taking the classes. And I just literally emailed Lindsay and we just gave him the classes.

53:44If they're friends of yours, like that's just a random person I met. If they're friends of yours, why the f*** are they charging? That was their business.

53:54Yeah, but they're friends of yours. This is my business, but I don't like... I never learned that. Everything in my life has been transactional. Yeah. So I don't, if it's a friend, I'm paying for their time. If it's a friend, they're paying for my time. that was just how I thought things went. That's weird. I mean, it can. I like supporting friends if they have a business, but if they require and they're not even willing to offer, I'm like, I don't know. Yeah, so that was$12 ,000 total. Are you saying you've never helped out a friend without them paying? I have now, now that I realize that that's okay.

54:25Wow. Very Christian of you. Okay. Yeah, this is new. Okay. Platinum card, Visa, Wells Fargo, all of them combined to the Cash Wise Visa Platinum. Well done. What's going on with this card? You purchased$1 ,131,$22.93 of inches accrued, made a$25 payment, kill me now. It's a$42 minimum payment now with a balance of$1 ,812.63, 11 years to pay off if you don't purchase, which good luck based on what we've seen. What's going on with this card? Couldn't tell you. I literally just spent on my cards. A lot of that was me before I transferred all of my recurring, like my monthly business expenses onto my business debit card, which I have now done, realized consistently.

55:20Business debit card? You made what? What did you say? $20 last month in your business? No. So my self-pay clients, I make between$800 ,000 and$1 ,000. Oh, so are you setting money aside for taxes for that? Yes. You are. How much? Well, I was. And then? I'm currently paying my 2024 on a payment plan. 2024? What about 2025s? So I'm making about$800 to$1 ,000 a month. Are you making quarterly estimates? Not right now, no. You're going to be forced to. You'd think this year, but probably next. I did in 2024. You did. Now you're going to be facing penalties then. This year you will be facing penalties.

56:02If you're not hitting them. In fact, yesterday, Q3's estimated was due. Did you pay? Nope. Good. You faced about, I think, a 10%, 12 % penalty, I think. Yeah. That's because. They scale as the year goes on. Now that I have a W-2, I was thinking that. Oh, wait, W-2. I'm confused. Are you a contractor or W-2? I'm a W-2. Okay, then you don't. And I have my LLC still on the side. So I make the vast majority from that W-2 now. And that LLC is supplementary. So by 2026, getting a pay off or. So I'm sorry, what's going on with this card? Probably monthly stuff. Probably matcha. Apple bill. High store Phoenix.

56:49You got some coffee there. Oh yeah, I was traveling. Dutch bros. Grounds on second. Yeah. That was my Arizona trip. Coffee. Going in and getting some BS. Going in and getting some BS from the gas station. Hip Hop International. Yep. Naughty, naughty. Daffel's hockey team. Whoa. Wait, what was that one? Oh, I bought. $37.84. It was at the arena. I bought popcorn watching the finals. Yeah. Going to get some bullsh**. Zin Burger, Apple Bill. $100 in interest this year so far. $25.24. Pull up your phone. I want full access. And I know I'm not going to stumble upon anything bad in there with you. Where are we going?

57:30Thank you. Again, this is the least risky phone I think I've ever had. okay we have iCloud plus that's fine obviously it's not great always you know when we're dying in debt chat box but it's pending cancel chat box I don't even know what that is Capcom also pending cancel but you're trying to get back on the social media game I just yeah and Dell focus sleep but also pending cancel and we've had a lot of subscriptions as well it looks like you get lots of subs and then you okay interesting yeah oh Amazon's not downloaded. Do you do Amazon? I have an Amazon Prime, but I don't really buy anything other than for friends who need Amazon Prime.

58:12I'll like buy stuff for them occasionally. Which they better pay you immediately. Yeah, they do. Yeah. You know, the CEO of this company is gay. Thanks for the information. You can shop smart. We love Tim Apple. Big fan. Made my stocks go woo. We don't touch that. Well, stocks is greed. and greed. Okay. I see where you're getting. $3 ,038.93. By the way, I'm goofing. I'm gooning and gaffing with her. I very much respect religion. We are not offended. Yeah, exactly. Plus, I have permission. So don't take too offense to it. Okay,$1 ,076.56 of purchases on here with$73.57 of interest accruing,$104 minimum payment.

59:09We owe$3 ,038.93. This is the built card. You'd think you're paying rent on here, but one, we don't have rent yet. Anyway, that's the whole point of this card though. What's going on with this card? I got it when I did have a rent payment. So I used it, paid it off, no problem. I started using it more when I maxed out those 0 % interest APR cards because from the time, I basically went eight months unemployed. So in those eight months between stopping all my social media stuff, aka fanfics. How'd you survive? Zero percent interest. Why didn't you do anything for eight months? I did. What'd you do?

59:49Trying to, I was being still consistent on social media, but like we mentioned, it wasn't getting me anywhere. I wasn't getting any new clients. I was just maintaining the ones that I had. And$800 to$1 ,000 a month was not cutting it. So finally in February, I was humble enough to get a real job. I was never really taught that I could get a real job. Humility is required for you, so. Yeah. I was supposed to be a millionaire entrepreneur per my parents. So I just went, I rode that wave. I was like, we're going to try. What hit? What hit where you went from, I'm going to post almost my a**hole online almost, but not really.

1:00:29to I can't do this. What was the moment? There wasn't really a specific moment. I just started. Well, deleting the Snapchat's an extreme. So what, like, walk me through it. I was doing fanfics consistently and still making like$20 ,000 a month. I realized, I just like felt empty. I'm like, what is literally all of this for? You know, the standard. And I just. Bills. I just felt really crappy. Yeah. And I don't want to keep doing it. Yeah, that's a good reason. I'm glad you actually stopped. That's it. Because if you felt that way and you didn't stop, which many people do because all of a sudden they feel like it's the only way they can make their living, that sucks because they're strapped in a cycle of having to sexualize themselves online.

1:01:17And that sucks. I think if you want to sexualize yourself online, you know, go for it. I don't give a f***. But I don't like when people feel trapped. And the fact that you actually said, you know what, f*** it, I'm just going to fully back away and even delete something with 600 ,000 followers, 20 ,000 hours a month, respect. I appreciate it. Thanks. That's big. Not a lot of people can do that. Yeah. I will say on the complete opposite side of the moral spectrum, my retirement plan before the day I just turn off the internet and no one ever sees me again is to post my a**hole on OnlyFans. That's it.

1:01:47That is it. It is a one-hole pic. Okay. Very expensive. And then no one hears from me again. That is my exit plan. That is an interesting exit plan. And it's a nice hole too. Yeah. So, you know. Okay. Stay tuned. We're probably years away. All right. It'll be there nice and puckered up. Yeah, don't. I don't have to agree with that lifestyle. You're not purchasing it? No, I'm sorry. What the f***? I thought you were a fan of the show. I started watching it like a month ago, I will admit. A month ago? Okay. Yeah. Okay, bad mother. I went in to get you some bulls***. Best pet insurance, 80 bucks.

1:02:25Okay. You have a pet. I do. What? A Great Dane. Ooh. I wish you brought the Great Dane. I'm such a fan of Great Danes. Oh, they're so cool. If this was scheduled later on, I would have brought them. Okay, Prime Video, Lyft Ride, Chipotle, Amazon Prime, T-Boba, Starbucks. Yeah. I've seen the Book of Mormon, the play, the musical. Yeah. When the man has his little dream, his goon dream, when he's having, he's a bad boy, there's Starbucks cups jumping around. Oh, I believe it. Very scary. That stuff's addicting. Really? Starbucks is sh**. I'm going to denounce Starbucks. Me too because it tastes like horrible.

1:03:03Okay, better practice downtown, practice better. The clean life in Viet Shack. Now, do you, if we're actually talking about this, I know I've done a lot of religious goof, whatever, this conversation, but there's actually one real thing, okay, because all of this has been just f**king around. But one real thing. Do you tithe? I do. Because that's a big part when it comes to these financial conversations. What are you at? 10 % every paycheck. It's impossible for me to take that away because I can take away someone's going and f***ing around and doing all this dumb stuff. I can take away someone's only f***ing spending.

1:03:34It's impossible to take away someone's core belief they will refuse in every humanly way possible. Yep, so that's 10 % out every paycheck, so biweekly. That's hard. I know. And you don't even do the tongue. No. You look lesbian too. Wow. Okay. Is it the haircut? Can we bring in our correspondent to get a confirmation? Of course. I need a ranking. Our residential lesbian correspondent, everyone, Erin. I need a how lesbian is she scale just from this zero to ten on the camera lesbian scale. What car do you drive? I drive a Toyota 4Runner.

1:04:21that in modern terms is gayer than a subaru um how many cats do you own zero okay i have a dog are you religious the number one youtube membership just got upgraded three exclusive of shows every day Monday through Friday, Financial Audit post shows, exclusive and uncensored financial audit episodes, our call-in show Hammer It Out, and brand new shows Fat and Fatter. That is... Whoa! That one is... I would go off-brand. Behind the Audit. What? This was wild. Shop Smart.

1:05:07And now, upgrading from one live stream a week to two. No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube today. I am. How religious. I have a strong relationship with Jesus. She has girl sleepovers. Girl sleepovers. I love women. And they practice. They practice. We answered our question for it. So practice tongues. Do it again. Lip movement is like a two on the lesbian scale. Overall, the overall vibe. I got to be honest with you. The hat is similar to what my girlfriend wore in her high school graduation photos.

1:05:53And your wristband there. It's kind of shoving in my face. So I'm going to go with like a seven out of ten on the lesbian scale. The forerunner was huge. Yeah, that was a mixed bag, I guess. Curveball. Okay, well, thank you, ladies and gentlemen, for our resident correspondent. Thank you, Erin. Erin, you smell different today. No.

1:06:18You asked, I'm sorry. I wouldn't have answered. Ladies and gentlemen, if you want your Hammer Lesbian score, go to calebhammer.com forward slash lesbian. Oh, my goodness. Well, this is neither lesbian nor straight, but you just paid$10 ,000 for a finance course? A finance course? Why don't you get all of ours for free? But even if not at DollarWise.com, it's$197. What the f*** are we doing here? Those business coaches that I was paying$1 ,000 a month, when I started making a lot of money, like that 50K month on FanFix, I said, hey, I don't know what I'm doing with my finances. So they referred me to somebody who has a school community that does weekly stuff.

1:07:02I had a financial coach. It wasn't even a financial advisor. That's nice. But does that scale it to 10 times the cost? Yeah, it was pretty. No, 100 times the cost almost. Yeah, 10 ,000. I will say that that person did save me money come tax season, but. That's a CPA. You just talked to a CPA. That would have cost you a thousand bucks. It was one piece of advice that he gave me. What was it? to file as an S Corp. Yeah, I know.

1:07:37So yeah, I filed as an S Corp for 2024 and I had employees during 2024. For what? Personal assistance. For what? Because I was traveling a lot and I needed help with my dog in my house. Oh, why were you traveling? You were just posting almost... I had friends that liked to travel so I traveled with... For fun. Yeah. And you had two to book your travel? Just to, like, babysit my dog, to be quite honest, and grocery shop and, like, maintain the house while I was gone. There's third-party services that do that on the cheap. I know. They were my friends, and I wanted to hire them. So I paid them$25 an hour part-time.

1:08:19Oh, my gosh! So$10 ,000, and we learned to do S-Corp. Yes. Wow. That was... Ladies and gentlemen, we've conquered the business world. Really got a good return on it. Did you save$10 ,000 in taxes? I saved about$20 ,000. Okay, well, that's good. A CPA would have done that for a cost of$1 ,000. Yeah. My CPA is$850 ,000. Oh, yeah. Oh, you've had a late fee this year so far on this card. Oh, yeah. Oh, you betcha. Really? Betcha. You betcha, kiddo. Really? Really? Really? Really. Oh. this is the built card? Oh, yeah. That was unexpected, I will say. Always happens. Uh-huh. Welcome to Financial Audit.

1:09:06$401.092 of interest accrued this year so far. We're talking thousands at this point by the end of the year. This is crazy. Nauseous. What, because a lesbian was just in the room for like 30 seconds? It hits you that hard? I personally, I love the lesbians. I love, don't we love the lesbians, ladies and gentlemen? Big fans. We do. We? Yeah. Wells Fargo signified business essentials card. What's going on with this? I was paying for my business coaching on there and then just other business expenses. And then I'm not sure if there may be. You just had 206 hours of purchases. What the f*** is that?

1:09:50I don't know. Oh my God. I don't know. Oh, I'm looking at my accounts now. Now that I applied to come on the show a month ago. What the f***? You'd be able to tell me what it is. You'd be able to tell me what the f*** it is. Like, it was not streamlined. All my business expenses, all my personal expenses, all my travel expenses were all kind of everywhere. $47 minimum payment, purchase. How much do you travel? Not as much now. Good. $1 ,518.13. So let's owe it on here with a$47 minimum payment. Again,$206 of purchases. $39 payment. $32.33 of interest accrued. I tried to like spread out the balance.

1:10:27Yeah, that's my bookkeeping. Okay. Does it have to be on our credit card that we can't pay off that is accruing interest though? I just put it on my debit card. So. No, this is a credit card. I know. Okay. Yes. Fair. I've given them like three separate cards to use. I just want to like spread out the balance accruing because I thought that okay, once my 0 % interest APR credit cards are maxed out then I need to fan out how much I'm spending on my four other cards. Still don't understand Fort Worth out of all the Texas cities you could have chosen. It makes no sense. Platinum. That? Like, why couldn't you hear a voice of just something somewhat even halfway enjoyable?

1:11:10I think it's nice, okay? I would argue that I like it there so far in the two days that I've been there. Yes. So. Yes, I'm sure you would. 24 years to pay this one off. What the? Oh, it's at$10 ,406 ,094. So the minimum payment of$105 ,000. 24 years to pay this one off. Looks like it's interest-free for now, but not for long. And you got your GPT on there. Yeah. January. It is no longer. I got that one in January for 0 % APR. It's called the Reflect Card. I think it's very fitting because it made me reflect on my decisions, but then I still didn't. So I guess it doesn't matter. Okay, it ends in about a year, a little over a year.

1:11:55But this is the insane. Listen, there's no deferred interest, so we don't need to rush to pay this off. But if it was, we'd be... But you're not going to have... This is still going to take forever. Right, and the other 0 % APR card just is... Fuck. It's accruing now as of September. So that one was, what, like the 9 ,000? So I want to get that one paid off soon. It's fairly low interest compared to the other ones. I just don't know what to do about all these. Well, this actually goes against everything we've talked about this conversation so far. It's fun. This must be the hookup. You went on a cruise with a guy and pay your own way and you had to spend$2 ,000?

1:12:34That was February of 2024. Okay. Last year? Yep. Last year, he... So we were like, oh, he's cute. No. Hit the cruise. Oh. No, we're just friends. Yeah. I'm sure that's what he thinks. Yeah. And desires. Ah, you already know. Yeah. I am? So he, yeah, we, I made the decision to play my hand in blackjack on that cruise. And it was$2 ,000. That was when I was swimming in money and I had no inhibitions. That's f***ing insane. What the f***? I mean, oh my gosh. Now we're at$10 ,500 on this card. That's crazy. Did you break up with a friend? friend breakup since he wants more and you don't? Yeah, I mean we're still friends but like we haven't traveled together.

1:13:27Did he ever try? Yes. And? No. Oh. We got called out by a comedian on the cruise for sitting in the front row. Cruise comedians, top of the line. Yeah, yeah, it was great. And that I guess was our shtick the whole time we would travel together. Well, yeah, probably. I'm sure you guys looked like a couple. This is insane how long this takes to pay off. Yeah, we're going to be paying interest forever. Also, we could do$2 ,000 on blackjack. Insanity. Oh, you got your own room during the cruise. Yeah. Okay, that works. Yeah. That works. I mean, that's a good way to do it, right? Well, it started off as one.

1:14:02Except it's expensive. It was one room. Because he was trying? It just... Was he trying to... No. It was a tricky situation. I started to get a little uncomfortable with the close quarters and some of the... Because you were sleeping in the same bed. No, we were like, so I called ahead to like get the beds separated. Oh, they were two twins. Yes. But he kept trying to get close? No, we had an issue, a disagreement. On what? My feelings towards... Oh, disagreeing that you weren't into him. Pretty much. because I had a crush on someone else at the time that just so happened to be very close to him.

1:14:47Oh, did you land that one eventually? Periodically. That was the hookup. No. But you were just randomly, he was a friends with benefits? I thought I was going somewhere. You said periodically. Yeah, like four months. No, that's not periodically. That means you guys were together for four months, right? Oh, that's not, periodically means we're going back, like we're coming back, we're coming back, we're doing it here and there. No. That was, yeah. Yeah, your friend must have been hurt. It was a rough trip. You're in whoever you're into. Yeah. I don't know. You weren't into the dude. So I got a separate room.

1:15:20Was the whole trip bad? No. Because of this? Mm-mm. I met a friend that lives in Dallas, and so he was the one to pick me up from the airport, so that worked. Yeah, but it was bad with this guy. It wasn't too bad afterwards. We kind of reconciled towards the end a little bit. Towards the end? We had to go the whole way? It was like a five-day trip. So five days of him being like, I disagree that you're not into me. Yeah, a few days for sure. It's an interesting thing to disagree about, by the way. Yeah. I don't know if you're able to do that one, champ. Eh. Okay. That's rough. What the f***? You've had fees this year so far,$9.33.

1:15:57I don't even know what that would be. A foreign transaction fee maybe? Like, I don't know. Potentially. That's such a weird fee. Potentially, yeah. It's such a low fee. It's not an annual fee. It's not a monthly fee. I'm so confused. I was out of the country once this year. To where? Columbia. For why? To save the children? I was on a co-working retreat. Oh. Did they pay for it? I paid. I paid for the trip. For everyone? No, just for me. I wasn't hosting it. Someone else was hosting it. So I went and I spent two weeks there. But you're dying in debt. Yeah. I don't even know how you're going to survive in Fort Worth.

1:16:33I worked while I was there. This is insane. Okay, Chase Inc. card. Oh, he got scammed on that trip. I heard. I'm being told. Mildly. Why? Tell me. Just like. Tell me. It wasn't full on scammy. It was just the host made it seem like there were going to be a lot of people there. And it was going to be a lot of networking and connections and stuff. Made it seem like 60 to 80 of us were all going to like congregate in this hotel and have dinners together and co-work. Because Colombia in Medellin has a big co-working culture. What did you call me? Keep going. It's called Medellin. It's in the city.

1:17:08And she, so I fly there three days earlier than her to kind of just get a lay of the land. Convert the locals, yep. Oh, for sure. And she got there and it was her and her boyfriend. And I was the only one that had paid to be on the trip. So it was like, I didn't get as much as I would have hoped to get out of the trip because I wanted to run retreats one day. And I wanted to, she told me she would take me under her wing and like kind of be a mentor throughout the experience, but it just didn't give that feel. So, I mean, I still had fun. Like it was a great experience. We did a lot of cool stuff, but yeah.

1:17:51Chasing card. What's going on with this? You're purchasing more than you're putting towards it by far. You purchased$119.55. You owe$8 ,945.32 with the minimum monthly payment of$89. What's going on with this? That was the card that I put all of my bills on after I left doing fanfics. And there are still some lingering monthly. Why couldn't you, until you got a new job, just try to like post pictures you didn't post, like get the agency to do everything. So you didn't think about it. And then once you land at a place, then just step away. I really thought I had full conviction. Okay. So when I.

1:18:26But yeah, but you have full conviction on a lot of things. Right. So working? No. When I, in the springtime, I was doing fanfics. My business coach wanted to start a school community with me to help for like women empowerment. What are you doing, man? You're just so much random bullsh**. That was a huge issue, but I still have the school community. It's a little bit different now, but I had the vision that I would leave fanfics and then all of a sudden my school community, which is also$10 a month, would just ramp up because she had, she was the admin of a couple Facebook groups of women who she said would be a good target audience.

1:19:11So we were gonna market my school community to them. And she told me that through email marketing. Do you even know what you wanna do? Are you gonna last in your current job for longer? Are you just gonna switch to something else? I feel like you're all over the place constantly. I was, yes. I love my job. Which you've been doing for how long? I've been a dietician since 2022. This job, though, specifically? Of this year? Yes. Right. Okay, yeah, let's see how long this lasts. It looks like you got EasyPass on here. I don't know if I'm doing tolls in your situation. And then Chewy, that's fine.

1:19:43But again, on a card that is, you said now accruing interest, right? Yeah, now accruing interest. Well, in one day, tomorrow. It starts accruing interest tomorrow. I just, yeah. Tomorrow from the day we're filming this. Eight, almost basically$9 ,000. That's crazy. That was all like September, October. I went on a sabbatical. Oh, IRS. Oh, this is, oh, this is 2024's debt? Yes. The Fansly debt. Not Fansly. Fanfix. Fanfix. Okay, there's so many out there. Yeah. Only hams. I'm starting Only hams. You can be your creator on Only hams. Sign up and you have to post pictures of well-cooked hams. Ooh.

1:20:22I told you I eat pork. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum? Get optioning those options. We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Okay. Why are you so defensive about your pork? Yeah, have some bacon. I don't care. You, what? Fine. Are you allowed to say a swear? I choose not to. When was the last time you said a swear and what was it? S-H-I-T. A few weeks ago. Or like, no, like a week ago.

1:21:14What made you so angry? I was just talking, yeah. And I said it. Oh, naughty girl. I admit. Oh, my God. Terrible. What'd you do? How'd you punish yourself? Didn't. There's still time. Okay. IRS that$12 ,487 still owed. This is crazy. What's your minimum monthly payment? Yeah, we got penalties and interest like crazy. I'm paying$1 ,120 a month until May of next year. Yeah. This is wild. And you just weren't expecting it at all. The taxes to pay taxes last year? I was. I paid quarterlies twice. Well, twice? Not two out of four. That's why they're a quarter. Yep. And so then when the hurricanes came through, they said you don't have to pay them until February of 2025.

1:22:04And then by then, I still didn't have the money to pay them. So I just waited till tax season to find out what my total was. And then I said, oh, well, I can't f*** that either. So at least I am paying something. Yeah, with interest and penalties. This is fucking crazy. I just don't want this to happen again on any of your independent stuff. It won't. Listen, I'll get you a course careers certification in accounting so when you run a business, you can at least fucking do this, get trained up. A lot of people have used this to boost their income and get better jobs in the audience, but you'll do that.

1:22:35And again, did you have tax money sitting aside at all? No. Because even like that, like next time that happens, it's like, again just put it in something like even if you like sign up for Weeble you can set it there and it's like at an 8 % interest rate temporarily it's like an incredible place to just put your money boost the APY and there's sign up bonuses and all that like you could have been milking this setting aside money for taxes and then you pay it and then you made something on the money set aside I did for 2022 and 2023 and then the hurricane it didn't even do anything? to my house actually no it did hit West Florida hard last year I remember that right?

1:23:13There were two. Yeah, because I remember seeing Penguin Zero. I think he lost another. He's a YouTuber. There's a lot. A lot of people lost homes. I was not one of them. I think he was streaming during the hurricane, too. It was kind of crazy. Yeah. Fair enough. Is that all your debt? Yes. Six credit cards, two packages, the IRS. And we're just picking up everything and moving. Yeah. Just unprepared. Okay. Because it's going to cost money to move, right? You're probably packing up shit and moving. I'm just packing up my 4Runner and my dog. That's the way to do it. It's a cheaper way to do it. That's how I moved to Austin seven years ago.

1:23:48You don't have to do the thousands of dollars to move like so many people do. Just fucking move. If you're starting a new life, just start a new life. Yeah. 18 miles per gallon isn't great for the drive, but it'll make do. It's still better than packing up a whole truck or a moving company even worse and whatnot. Okay. Checking account down from... Look at the starting number. on your checking account from last month. What is it? $666.82. That's crazy! Ended with$214. We didn't got some bulls**t, got some Chipotle, Bad Mother, whatever the f**k that is. Bad Mother, Zellin' Out Money, Zellin' Out Money, Venmoin' Out Money, Venmoin' Out Money, Zaza, Cuban, Zaza, Cuban, Hulu, Plus, Spotify, Zellin' Out Money, MedWyrm, Zellin on money, Kava!

1:24:41Oh, what the f***? It's so much bullshit, Sonny, when you have debt that you can't pay and you're trying to make this big move. Why? Why? Why are you spending so much on bulls***? Going out to E was almost$400. Miscellaneous bulls*** was basically$450. Yeah. Like, that's almost$1 ,000 of bulls***! Yeah. Why? Couldn't keep track. Well, keep track. Use a budgeting app. It's as easy as that. I mean, you get a free one here, so... I'm looking forward to it. Yeah. I can just... I track my fixed expenses and then my variable and whatever I choose to spend, I did not track at all. And the problem was I was putting a lot on credit cards just continuously.

1:25:25And I've made a commitment to myself that I'm going to just spend on my regular personal checking from here on out. If I don't have money, I'm not spending. So in this close target, we get$1 ,379. Again, down from over$2 ,000. So we're just headed down. This is just transfers back and forth, and we get a service fee of monthly. Then$69 in this account, down from$511. Yeah. It's a grim situation. Yeah, it's Canva, PayPal, and our money. We don't have savings. We don't have anything. Nope. Okay, let's see if we can make a budget. I'm sure we can. And we're going to budget this in the fourth-worth situation.

1:26:03I'm not going to write in the cost of the house, your house, because I'm going to consider that just a, you know, break even. So I'll cross it out. I mean, obviously you owe on the debt. And the moms, I don't know. What the do we do with that? Any advice? Well, you've already like prompted it. Like, yeah, we want to get her out as soon as possible. Yeah. I mean, I would at least try to break even on rental. I don't know about short term. It's not really where we are. Yeah, still needs a few renovations before we do that. Mild, but still. Total income,$6 ,000. What's your new rent? $1 ,300. What about utilities and all that?

1:26:45It'll probably be about$150. Okay, let's get your debt minimum payments. I don't know what to calculate when it comes to your mom's house. Maybe I'll say just to average it out, I'll give you like$1 ,000 to that. Yeah. Well, like what the f***? Because you're not going to like just lose it, right? You'll make the payment. Like what else? What other option is there? Yeah, if I have to, absolutely. No student loans? Nope. Did you go to college? I did. Okay, debt minimums depends. We're going to call it$2 ,640. But again, it's a weird situation. Phone bill? I don't. That's the one thing my dad still pays for.

1:27:21Okay, if you ever have to, I would do helium. Okay. If T-Mobile's good in your area. It's a good way to get it for like 15 bucks. Okay, gas, gas, gas, room, room, drive, drive. How much? Like$160 a month. Not that bad. Car insurance. $191. $300 for groceries. You can do it. I don't know if there's H-E-B there, but that's what we've used to prove it. You just have to meal prep, meal prep, meal prep. Use that microwave to warm it back up. TP fund, anything else you need to survive. Tampons for all your period content. $100 should be good. Medical, health care. Are there any co-pays on a monthly basis required?

1:27:58Nope. Okay. Do you have a gym? I do. It's 20 bucks a month. Good. Subscriptions, I'll try to give you$30. Pet insurance, what was that, 80 bucks, I think? Yep. I saw in there? 77. How much for dog food? 350 a month. That's insane. It's more than you. Yes. And we'll say 77 for the pet insurance. Not 80. Okay. Well, that's wild. Are you able to cut that down? Like, I don't know. I don't want you to not provide them good stuff, but are you going to an extreme that is unnecessary? I feed him half raw, half kibble. And is that necessary? I will sacrifice. Remember, kibble's good for their teeth. True.

1:28:39So he gets that. Oftentimes they recommend, even many vets these days are recommending kibble over soft for dogs. I was spending$400 a month, and that's me scaling it back. Yeah, depending. It'll be like$300 or$350. We can fit it even with your mom weird situation. And I'm putting$1 ,000 aside for that. I don't know. Monthly basis,$5 ,318. But then my minimum? That's with your minimum payments, including$1 ,000 for the mom's house. Okay. Crossing out your mortgage because someone's covering the rent. $862 left. Bad debt. Okay, we got it. Let's find it. Well, I mean, the mortgages aren't great rates, but maybe when values goes up and rates go down, you can refinance to a lower rate.

1:29:28$42 ,080, a bad debt. $682 on a monthly basis, 61 months, five years to pay it off. I think you could, you know, you'll continue to bring in more money. I think you'll bring that down to about four years. I think you'll be out of debt. I have a fully funded emergency fund in about four years, I would bet. If you actually budget and go, you know, hard and go crazy. I guess there's not much to do in Fort Worth anyway. True. Once a year, there's some exciting thing that everyone likes. Other than that, you can drive on the highway. What do I pay down first? What makes sense? I don't know. Is there a strategy to this?

1:30:05I would just go smallest to largest. Balance is for you to stay motivated along the way since you haven't done it before. Yeah. Okay. Other than that, that's what I'm focusing on. I appreciate it. I appreciate your time. All right, ladies and gentlemen, I'll give her her hammer financial score. but make sure you come join us in the post show. It'll be fun. It always is. Join Hammer Elite. I'll see you guys there. But the Hammer Financial Score, spending your budget, technically spent, no, you spent more than you brought in. We saw it. So zero out of 10 debt. The mortgage situation's weird and you're not paying it.

1:30:38And I rest that. There it is. Zero out of 10. Emergency fund. No savings. Zero out of 10. Retirement, I didn't say a zero out of 10. Real estate's the only thing that's carrying us, but you would at best break even selling both places. The interest rates are great. one's kind of renting, but not in a cashflow position, especially with setting money aside. It's weird. This isn't great. It's very middle of the road. Five out of 10. So Hammer Financial Score is going to be a one out of 10. Click that join button. Join Hammer Elite for three premium shows posted every single day, Monday through Friday, including the post show, an extra 20 minutes of this episode.

1:31:10I'll see you there. Last week, you borrowed money from your dad. I did. For f***ing why? But I had auto draft and they took out my mortgage payment. Right before coming on the show, you said, oh, I'm good for the last month. Now you come on the show and you borrow money from dad. What the f*** is going on? Exclusive members content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. This next one's for all you CarMax shoppers who just want to buy a car your way. Wanna check some cars out in person? Uh-huh. Wanna look some more from your house?

1:31:47Okay. Wanna pretend you know about engines? Nah, I'll just chat with CarMax online instead. Wanna get pre-qualified from your couch? Woo! Wanna get that car? Hey, that's a beat! You wanna do it your way. Wanna drive? CarMax.