Crazy Ex-Girlfriend Is Mad I Won't F*ck Her | Financial Audit

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24:46It's like, it's like, like I'll make jokes, but jokes are jokes. You're just kind of being like. Based in reality. I have an opinion on reality. No, I mean, I think we all agree gender. I mean. Yeah. So, so my one, not the current ex, but another ex of mine is a tranny. So I would have had to let him in. It's like, you're saying it in a real way. When I say something like that, I'm saying it as a joke. You're just saying that. And I agree. I mean, sex changes for minors, women's sports, and the bathroom thing, it gets f***ed. I mean, a dude jacking off, or biological dude jacking off in a woman's bathroom.

25:18Yeah, a couple months ago. Not a big fan of that. But the way you're doing it, it's like you just hate an entire group of people. I have a right to hate an entire group of people because they're all awful. They're all awful? Yeah. I've had transgender people on this show. I wouldn't say they're all awful. Well, were they the kind where they're actual transsexuals, or are they just people who want attention? Who is for you to say, though? Oh, you can't have me sounding like full liberal, like left. How are you making me sound like that person? I'm just I just try to be. I'm like more libertarian.

25:51Like I just try to respect people and let people be more of a example. You're being authoritarian. Let me describe more of my perspective where I'm coming from. Not the current ex, but a different ex was very abusive towards me. His family was, too. We cut each other. So because of that, I hate trans people. Well, because the thing, he was a dude, didn't see him for like four years, and then randomly at the same group, which wasn't a sex group. It was a BDSM group. Sex wasn't allowed at those parties. He shows up, haven't seen this dude for like four or five years, and he's a woman now. Sure. And I had told my friends, I'm like, hey, that same guy that I told you had been very abusive is now a woman.

26:33The person that you know as this, it's the same person. And I didn't know that. And they said, well, you know, she's trans now. So you have to forgive him for who he was before. Well, I don't know about that. But that doesn't. I would have had to let him into my groups because he's a woman now. OK, OK, OK, OK, OK. Yes, I understand your perspective. Like, I don't think you should be forced to let someone into a group you don't want to. That's fine. And I don't believe in forgiving someone's abusive past just because they transition. I'm not saying that. But no, no, no. The way you're just talking about like.

27:04and whatnot like trust me i roll my eyes at a lot of the performance performance things too i get it but my goodness it's just like who cares dude even asmund gold on like the right right if that's people's pronouns correctly like you're just like there's no point of what you're doing like it just it doesn't make any sense there is a point just let people be people not in my spaces why do i have to let you know it's the way you're talking about them i'm not saying you should force people in either. Okay? Okay? But it's just the way you're talking about people. I can't suck your dick for four years and then turn around and call you a woman.

27:46Now you're getting it. Now you're getting it. No, I'm not. You're out here making me look like the wokest mother ever. Like, dude, I'm just live and let live. Well, you did say you want to come to California, so you'll fit right in. No, San Diego's like, it's literally statistically the best weather in any metropolitan city in the entire world. It's destined for perfection. California's fucked up, so no, I'm not. But I would love to. I would love to, but not with the way things are going. Absolutely not. And their downtown's a disaster anyway. It's like barely a minute downtown. Nothing's happening.

28:19But either way, all, shit. What a derail. It just makes no sense. I just, listen, when people say things in a real way with real meaning, like people slop, bullshit, whiny cryberry be commentary. People have been copying and pasting the same videos about me over and over again. It's just so stupid. And they're like, I don't like Caleb's jokes. I don't give a f***. But you're actually saying things as real. And I agree. Don't let trans women's sports the bathroom situation or underage surgeries that are full life impacting. I get it. And the pressure's upon community because now we've had a lot of we've seen a lot lot of people detransition post-covid yeah we don't just let people be though no you're not using you're not you're calling like you're saying words that are actually hurtful to just other humans and like i'm hurting like because they don't give a shit about women the whole you don't know what people believe you can't put people in what they believe no because i pushed back on it and got kicked out that's like saying all people on the right so i hate women and all people on the left want to tax everyone 100 you don't know you can't assign a group of people an entire belief system.

29:29I'm at least talking about the San Diego people. You don't know. You cannot assign an entire group of people one singular opinion. The kinky people in my vicinity, they all suck and they're all part of a cult. Then go. Yeah. I just got kicked out. No, exactly. You didn't leave. You got kicked out just like you got kicked out of your relationship because you're probably impossible to communicate with and be around. And I don't think I'm really surprised. Listen, I don't give a f*** about your opinion if you don't like trans people, but again, just the way you're even just saying things. This is like, I'm just like, that's not a joke at that point.

30:01You're actually kind of just being a dick. Because I'm being honest? I'm a dick? A little. Because I don't want men in my spaces? No one said that. If you actually listen to me, I didn't say that. I said that's okay. I don't care about that part. You're okay with men being in my spaces. Oh my gosh. I just said no. I understand that. Make your own space. And I don't think men should have had to open their spaces forcefully to women either. Yeah, you shouldn't have. In fraternal groups. You should be allowed to have your own men's group. Except not constitutionally, said the Supreme Court in 1987, if I'm not mistaken, or 86.

30:36But either way, that's not what matters. That's not what matters. This is like, you know, I think I am a little upset, a little triggered that I'm being assigned people being almost like you when I joke around. But actually, I just like live and let live because I'm more libertarian on life. I want people to live the lives they want to live. and I don't give a f*** unless they're forcing bad things upon other people. Like I said, your space, not a big fan of that. Okay, if it's your own event. But if the group has the rules in your doing your own event within that group, that's fair. I didn't even want it in the group.

31:09I had said I wanted my own group. And if they don't want you to be in the group, that's their choice. I might not agree with them, but that is their choice. If I fire someone from this company, it's not their choice. Okay, but it's their choice to form their own business or whatever. Yes, but if they were doing that while employed here, I could fire them and that's okay. No, it's not. That's not okay. What? So now you're saying someone that runs a business can't decide who works there and who doesn't, but you're allowed to decide who goes to your sex party and not? Their job and on the side, they want to do something else that doesn't impact their job.

31:45Well, you have a sex party adjacent to being in a sex group is very adjacent. If someone started their entire content business that was adjacent to this, yes, that is very similar. And I got canceled for it. Anyway, Colton wanted me to tell you that I'm a heavy bottom. Well, thanks, Colton. I don't even know what that means. Heavy, I agree. Used to be. Hey, I lost weight. So. Could have fooled me. Anyway, I used to be fatter, but I also used to be hotter, too. So this is just where I'm at now. You're just old. I'm getting there. But also, I'm not that old. No, you got there. Only 34. oh

32:24do you want to know what heavy bottom is nope so what someone no stop i really don't care so what are you doing now where do you live i need to get back on the finances you brought me down that group and now people are gonna think i'm the wokest mother forever just because you're just kind of an asshole where people want to be these days no it's that's the opposite of where people want to be woke was stupid over performing morally masturbating dumbasses like i don't give about those people's opinions, but you were actually just being a dick. You weren't joking. Jokes are fun. Jokes are back. You're just being a dick.

32:53I'm just being a realistic, figurative dick. Okay. Before we move on, let me just say this, and I will, because this is, I will use Asmongold as another perspective because he's someone on the right. Okay. He believes, and honestly, I think most people believe that someone who was born a man who thinks they're a woman is still just a man. But guess what? Me, him, most people just say, but we also really don't care because it doesn't impact us. So whatever. I will just say your pronoun out of respect. As long as you don't force kids, as long as you don't go into women's bathrooms, as long as you know, whatever, sports, all this stuff.

33:34We don't care. But you're just out there like, no, gross. You got a dick. I've been sucking her dick for four years so it's just like you're not a respectful person you're just a dick it makes no sense is it respectful that they make me have to accept their mental problems okay you see where you go what do you mean they're just literally is it normal to be a dude and say you're a woman normal normal maybe not but is that what matters you're just literally saying you're just being respectful because it doesn't it doesn't impact you it does impact me saying a word doesn't impact you. Do not make me the woke mother.

34:12I am not that guy. You're not that guy, pal. Trust me. You're not that guy. Don't make me look like the performative more masturbating freak. I'm not. You're just a dick. Who cares? I care. But why? It's a word. A word doesn't impact you. Because it's enabling. Now, I trust me. I get it. If like you're at a job and you say the wrong word and you face consequences. Yeah, that's that's stupid. I'm not going to go down that road. Like, who cares? But literally, just to someone's face, if you're intentionally being a dick, what's the point? If you mess up, who gives a f***? If they cry because you messed up, I'll go tell them to f*** themselves.

34:49I don't care. That's them being a dumbass, sensitive baby. But you're intentionally being a dick. Okay. I'm being a dick because I got kicked out of the community. Colton's on a completely different page right now because he just sent me a note saying that you wanted, that you in the past just wanted to get the shit beat out of you and tell you blood. Completely different conversation. Yes. It's like, okay, great. I'm glad I learned that. Yeah, I liked being beat until my skin broke. I think Colton wants to get to the kink talk. I don't. Yeah. I just want to tell you you're a dick. So how are you affording living on your own right now?

35:21Do you have a place of rent? And what is it? You f***ing cunt. I pay$2 ,000 a month for a studio apartment. It's just me and my dog and Kat in there. And I love it. How do you pay$2 ,000 a month? That's insane. $2 ,000 towards the rent. And the rest goes on the credit cards. Yes, I get that. See, I'm not a woke freak. I'm calling everyone. Oh, my gosh. But you're and a dick at the same time. I don't know how to. Turn on Brandon's mic. Turn on Brandon's mic. Hi, Brandon. You don't talk to him. Listen, Brandon, I mean, I just I want to check myself real quick. Because Brandon's willing to call me on my shit.

36:02Like, we're both in the same camp of jokes are back. and we don't cater to the performative weirdos. Am I catering to the performative weirdo right now or is she just a dick? What's happening? No, she's a dick. Okay, that's what I thought. That's your opinion. Well, yes. It is an opinion, absolutely. You have an opinion? I'm not a dick. I just wanted to make sure. Okay, thank you. I know I'm not a dick. I'm actually a very nice person. No one believes that. So$2 ,000, including no ex of yours, believes that. I have some good exes that still like me and talk to me. Who is still f***ing you is my question.

36:36Who the f*** is putting that? There's one or two people. Yeah, whittled it down to that few, huh? They like me. A lot of people in San Diego and you're close to L.A. So. L.A. is its own. Oh my gosh, do not. I don't give a f*** about whatever rabbit hole you're trying to go down. You are not going to deroll the conversation. No, I'm just saying L.A. is a joke. I don't give a f***. Okay, so what do you need? What did you spend last month? If your rent is$2 ,000, I don't understand how$3 ,600 makes sense. Well, I spent a lot of money on rent and then all these parties and BDSM stuff I buy. Huh? Okay.

37:06So you said. Like the outfits, floggers. Okay. You said one of the things you said earlier, and I didn't go down the rabbit hole, but now I understand that you're a freak. You said BDSM made me go into. What does that mean? So I like to buy outfits for the parties. I wear something new to every party. Parties that you've gotten kicked out of. Yeah. Well, I would go to a party once a week at least. Still? Yeah. But you're kicked out. Of one of the groups. And soon to be the other ones, as soon as the other groups find out. Well, as soon as they see this. Oh, yeah, for sure. I've already accepted that.

37:39So one group I'm still a part of, and I host parties, I volunteer at parties. And I talked to a crazy sex person once because, you know, I'm a little dabbler. YOLO. Huh? You only live once. Dabble. Did you just YOLO me? Yeah. As long as it's safe, sane, and consensual, go for it. 34 and you're yellowing? My goodness. Apparently the craziest sex cities to live in for all the fun events are Los Angeles, New York City, and Austin, Texas. Oh, so I should move here. What the hell now? Be another Californian that invades Austin? Please no, please no. We don't want you. We don't need you. You are unnecessary.

38:21I am the life of the party. Okay, so how'd that get you into debt? What are you spending on all that shit? Outfits, shoes, gear, leather I make my sexual so you're in that community anyway oh I guess it makes sense so you're in the what do you just say LGB yeah really yeah I also actually you go around you're just like LGB no I actually don't consider myself a part of the like LGB whatever alphabet community I'm not part of it when I came out as bi the meanest people were the gays and lesbians I've never felt part of the community. No, the performative weirdos are always like the actual worst people because they don't step up to actually help anyone.

39:02They just performatively masturbate online to feel good and get circle jerked by the community. I have masturbated online. I relatively agree with that, but I don't think that means all gay people are mean. Colton's not mean. Like, I don't know. The ones in Orlando when I came out of the closet were the mean ones. Maybe it's because you're a bitch. I'm very nice. No one thinks that. My mom thinks that. Oh, okay. Well, that's starting to explain a lot. Photos she applied with is crazy. Did I have her vagina in it? No, it's my fireplace. Because that's what she does. I really don't because I'm afraid of seeing pictures with her.

39:32I am naked in the picture, but it's played out. Can I be completely candid? I am not attracted to you in any way whatsoever. Well, you have a girlfriend. That's fine. I don't need you to be attracted to people. Yes, but I just saw a vagina unconsensually. Just because I'm bisexual doesn't mean I care if people find me attractive or not. That wasn't the point. See, you immediately got attacked like the classic woman you are. It's just like you heard what I said and you made it about you. Like, I don't give a ****. What I was trying to say is I'm not attracted to you, but I was just forced to see your vagina.

39:57It's like I've never been forced to see someone's vagina that I'm not attracted to before. This is the first time in my life. It kind of sucks. You've never gotten an unsolicited vagina pic? I only talk to people I'm attracted to whenever we get to that point. You haven't lived. Yes, I have. I've gotten vaginas from people I'm attracted to. It's a really cool picture because I do fire play. I am naked but I blared out the stuff. Oh my gosh, how many people are clicking off? It's really cool. Oh my goodness, how many people are clicking off? Please just stay here. I just mentioned fire play. Shut the fuck up.

40:24Shut the f*** up Yes no one actually cares No one cares No one cares We know the Anxious of what people care about No one gives a s*** about your fire play Shut the f*** up You're a dumb obnoxious bitch No one gives a s*** We would travel together What did you spend last month Hey shut the f*** up you cunt What did you spend last month On what Money You You actual That deserves to be Put in the ground In Minecraft I like that game I haven't played it in a while What did you spend last month You f***ing freak Oh, are you serious? Are you this batshit? Are you actually a f***ing individual? If I made$4 ,000, I probably spent$4 ,000.

41:07Oh, what the f***? First of all, you brought in$3 ,663. Bro, the outflow was$8 ,472. How does that make sense? How does that make sense? I did just recently move. Well, we know that. Yeah, it's expensive to move. How many times do I have to f***ing just throw the word at you? You're actually an imbecile. You are a moron. Are you one of the more stupid people I've ever talked to? It's like you can't process conversations. I know you just moved. We talked about that. I already got your rent. You just asked where did the money go? It's$2 ,000. And I was explaining. Yeah, but that doesn't make any sense.

41:42That is literally a fourth of the$8 ,000 would be rent. How many times do I have to say it? But the moving cost. The moving cost? What the f*** were you bringing with you from the guy's place that probably had everything? moving costs? What are you doing? I moved across the country for a couple hundred bucks. What are you people doing moving costs when you don't have money because you don't make any money because no one values your skills in San Diego. It was, yeah, San Diego's expensive to move. No one values your skills or else you would be paid more. You f***ing bitch. I actually worked my way up into my position.

42:14You're making me look sexist, but really you're just a dick and obnoxious, so I'm just throwing every bad word I could at you. Did that feel good? No, I hate this. I hate you. You're a cunt. Shut the f*** up. Really cool photo. So 8 ,000 hours, how could you spend that much? If a fourth went to income, you f***ing dumb cunt. Probably moving my animals. Like, my animals eat better than I do. They both eat 2 ,000 hours a month each? Well, I pay for their medical. My doggie just had surgery. Okay, yes, this photo I think guys would because one, your face is covered. Two, you can't tell your fat f*** as much in them.

42:49That was when I was hot. And your tits, exactly. You were hot and you are no longer. And your tits look better than the one I was forcefully seeing. I have decent tits. I grew them myself. So you actually have no concept of where your money went. I don't know. Like actually. Is it on the paper? Dude, oh my. Are you unable to have a conversation? Yes, it's on the paper, you moron. That's what pieces of paper do in these conversations where you see a spreadsheet. You idiot. Of course it's on the paper. I'm crashing out on her. Oh my goodness. She's such a dumb bitch. Oh my gosh. I hate her. No, this is not funny.

43:22You're a cunt. Well, I think a lot of money. Hey, why don't you? Why? Yeah. Answer my question. I like to make things. I get random ideas. So I did spend a lot of money on like epoxy resin, UV resin and leather projects. What does this cost? Probably a few hundred. Okay. That doesn't make sense with the$6 ,000 you spend on top of your rent. I am trying to get any concept of where this money went. A couple hundred bucks, the leather was not it. You creature. You suck with money. So you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use.

44:03So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end. Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is.

44:39Download it now, start the free trial, DollarWise.com, link in the description below. Starbucks is bullsh** and a waste of money. Tax Act knows filing taxes can be confusing, so we have live experts on hand who can help answer any questions you may have. Questions like, can I claim my SUV is my home office if I answer work emails in my car? If I adopted 12 dogs this year, can I list them as dependents? And am I doing this right or am I doing this very, very wrong? Our experts have the answers to those questions and many others. Tax Act. Let's get them over with. And you already know that by making your coffee at home and investing the rest.

45:21So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is GamerSupps. 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. Literally, miscellaneous bullshit alone was$791, you slut. And then$500, you whore, went to going out to eat.

46:03And then$2 ,102, you bitch. unknown shopping, and then you're 3 ,183 on other large purchases. It's thousands on bullshit and bullshit and bullshit and bullshit. Oh, well, you got kicked out and replaced with someone who wasn't even that attractive. That means that's how bad you are, by the way. As someone who is honestly probably best at best, a 6.5 out of 10 at best. I think I'm a San Diego 8. That was the best I've heard. That was the best joke anyone's ever said in this studio. I do want to budget in a dungeon, so I can just have that to myself. You have that space? I can make it. I mean, I'll budget what people need, but I think you should probably just pay off debt.

46:46Well, how much debt do you have? Probably like$15 ,000,$20 ,000. I don't know anymore. Why don't you know anymore? Well, I just spent a bunch to move, so I don't know where my debt is at now. Well, it's$25 ,455.22. It's not that bad. You thought it was$10. How is that not that bad? Why are you here? Because I want to change my life around. Why are you saying that's not that bad? What is there to change if it's not that bad? Why would you want to change it then? Because I don't want it to get worse. But you thought it was 10, so it got worse by more than double. And then you say it's not that bad.

47:20That doesn't make any sense. Okay, it's bad. You're oily face freaked? Well, is it oily? It's probably because I'm sweating under the light. It's not hot in here. I'll tell you that. It's actually pretty hot. This outfit is making me sweat. Okay, maybe you shouldn't have worn it. I want it to look good. Well, you failed. I also want to budget an M &M motorcycle. Will you apologize to me too? To the audience. Because I'm being mean. I'm being a dick. Because you're a... My favorite word. I need to bring some new words. No, I like... You can call me... Shut the f*** up. Now that you like it, I don't want to call...

47:55I want to hurt you. Your feelings. Not the way you like. The feelings. Because you're a b***h. I also want to buy a motorcycle and that's going to cost you I heard that part. I heard that. I ignored it because you're a dumb broad that I don't want to talk to. My dream bike is a turbocharged Hayabusa, and I want it custom hot pink. So do you want to change your life or get a motorcycle? Pick one. What the f*** am I doing here? I can do both. What am I doing here? I can change my life and get a motorcycle. Hey, usually I ask what you're doing here. What the f*** am I doing here? Because I'm borrowing my ex's motorcycle, so I would like my own.

48:24He bought me a motorcycle when we were together, and then when we broke up, he wanted it back. What do you think your financial score is? Zero to ten, zero being the worst, ten being the best. Don't try to talk. Don't try to have a bit. don't try to respond to my shit shut the fuck up answer the question probably a five okay you're you are you're you are a modern day version of someone who's disabled because we wouldn't call them that except for the one time i accidentally did ignore that part um but that was a mistake i apologize for it but you're you are a if you want your hammer financial score get it at calebhammer.com take the assessment for free just takes a few minutes and you see where you stand in the world of money, where you need to improve what you need to do to do better and where you're already doing great.

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49:40All those links are in the description below. But I don't have a note that you also think that your family's the reason you're in debt. So it's pretty much anything but any kind of personal accountability. Yeah, my stepdad fell for a romance scam, and so I've been helping my mom's stepdad. What? What happened? It was the classic some random woman commented on his Facebook post like, oh you're so smart and intelligent can i message you and then over time because i found out he was he was kind of cheating yeah he cheated on my mom she was in a coma and he was literally texting the scammer like oh i miss you i wish i was there with you instead of being next to my wife who's i'm sitting next to and she's in a coma yeah so my stepdad's dead to me but i still care about my mom so I've been financially supporting them.

50:28Is she comod? She's better now. She's still recovering. How long was she comod? The coma was about two weeks. It was induced because her lungs collapsed and they had to like clear all that out so she could breathe. It was during Halloween so it was a very, you know, breathtaking costume. Did they get separated? No, they're still together because she's like, oh, he's my husband. I'll stay with him. Well, clearly not the first. Well, the birth father is, I have a straining order against him, so. Is this why you are so f***ed up? Probably. That makes more sense. Maybe also take some personal accountability, though.

51:05You're allowed to do that, I promise. It's real nice. Real good. Changed your life. So, how much of your money is going to them, then? Probably at least$300 a month, not$500 a month. 500 a month doesn't make any sense because that immediately brings you down to$1 ,100 left. Yeah, it's all the utilities and the cell phones. Oh, and my stepdad's truck got repossessed. Okay, you just need a new job, let's just be honest. You're not going to survive on your own, but no one's going to hire you. You're a freak, to be clear. I just maybe just need to be promoted. What's your job again? Quality assurance.

51:45And what's the next step up? Probably a senior QA. And what do they make? I would guess at least 50 an hour. Oh my, oh my goodness. Okay. Oh, how long have you been doing this? The current position I've been doing about a year and a half, but I've been in this industry about 10 years. Why haven't you gotten promoted? It almost sounds like you suck. I just got promoted like a year ago. I worked my way up. To this, you not being able to survive is you getting promoted. Listen, I'll get you a course career certification. Get one of those. Use it to leverage promotions or a new job, new career, whatever it takes.

52:15A lot of people in the audience have improved their financial situation with them. so use that I'll get you that for free but what the yeah you the simple fact is unless you find another man with a penis or a woman with a vagina whoever you want to live with I don't care there's no way you're going to be able to you can't do this you can't do this on your own you can't and I understand you taking care of mother I would too I get it she's in a I mean I wish she would leave the guy but either way I wish so too yeah but she's not so either way it doesn't it doesn't matter or you just, you will not be able to survive on this income.

52:51That's just a fact. If I cut them out or cut them off, would I be able to? No, no, no, no, no. If you cut them off, you still only have$1 ,600 left. Your minimum fee payments, I guarantee, I mean, this first one in front of me is$404,$24 a month. A white credit card. One. You're f***ing. What? Well, if I have$1 ,000 left over and I paid the$400, and then what,$200 on the other? Are you not going to get groceries? Are you not going to leave your house? Are you not going to? What's going to happen? Well, if I get my dungeon in my house, I won't leave my house. Dude, your priorities are whack. You make no sense.

53:31You make no sense. I can make it work. I can figure it out. Okay, well, you are dating a guy. So maybe you'll be able to move in with him soon. I'm glad you're back on the... Why? He's married and has a girlfriend and has kids. What? What? What the fuck? Fuck with you! He's Pauly. He's what? He's Pauly. Pauly Amorous. Well, why can't you move in then? I don't want to. And her, is she Pauly? Yeah, they're all Pauly. They're all like, they're in a, whatever you call it. Oh, they must be so ugly. They always are. No, they're super hot. That's why I'm dating him. No. No. I saw who you dated. Speaking of date, you owe me a date, Caleb.

54:13No, shut the fuck up. I already told you you are. I was supposed to go on a date with a hot British guy tonight, but because you were sick and I had to extend my trip, I had to cancel that date with him. Brian, I guarantee you he wasn't hot. And also, to you, this is Navy Federal. How the f*** are you up to$19 ,011.03? Like I said, this minimum payment is$404.24. Crazy. I just pay my rent and then buy everything else on credit card. No, no, I just. You spent$1 ,182.23, you freak. interest$216.24. How long does this take to pay off if you do not purchase and you only make your minimum three payments of which you're incapable of not purchasing?

54:52So what the f***? How long does this take to pay off? I'm guessing 30 years? 30 years. You'll be 64. If I must go alive by then. So I... Well, I don't believe in debit cards. You mean you don't believe in debit cards? What is there to believe? I'm so fearful of running out of cash so I just make sure I have enough cash at all times to pay my rents. Why are you fearful on that? Well, I guess I would because you don't make enough money. That doesn't mean - Yeah, I want a bunch of overdraft fees and be unable to pay rent. Well, I bet you will. Plus, you're also accruing$216 in interest. So whatever mathematical thing happens with overdraft fees, you're getting worse in interest anyway right now.

55:32I didn't realize that. You didn't realize you were getting interest? I didn't realize it was that bad. How? Well, because I never paid attention to it. You don't use any budgeting apps? No, I don't budget. It's just I put... How can you tell me you wanted to change your life around? You've even applied to the show, but you haven't downloaded a budget now. Yeah, what about the weeks leading up to coming on the show from applying? Why didn't you download something? What the f*** is wrong with you? Because I was going to... You are a broken individual. You are a broken individual. To figure out what I should do.

56:30I mean, I budget. But you don't even know how much interest is accrued because you haven't looked at it. You can't tell me you're using an Excel sheet. You're throwing different questions at me. Your question was, why didn't I download a budget app? I didn't because I did it on an Excel. My question before that is, why did you not know how much interest was accrued? And you say, because I haven't looked at it. Well, that's true. If you're using, if you're putting it into Excel, you're looking at it. Well, the budget. I wasn't looking at the interest. Yeah. Well, I was like, okay, so I make this much a month.

57:01I need to put 2000 aside for rent and then the rest, I'll just throw out the credit cards and it'll pay off. I'll get it figured out because I'm not going to get a second job. I don't know if you need a second. I mean, I would in my, in your situation, I'd get a second job temporarily, but your main focus should be getting a better job because you are not valued clearly in the marketplace of San Diego because you are not making a lot in San Diego. You're making like a normal income in Michigan. I thought I was making a lot. $30 a lot. No, when your boyfriend said you were not making a lot of money, he was correct.

57:34It's not because he's a dick. You do not make a lot of money. Compared to$80? Yeah. What? No, it's not compared to that. It's compared to San Diego. It's compared to being able to survive in San Diego. Well, to me, it sounded like a lot because I used to make like$25. And so, oh, I make$35. It doesn't matter. It's just the cost of living in the area. It's not sounding. It's not vibes. It's math. I still think 35 is a decent amount. I can live off of that. Can you can't? You're putting it on credit cards. You literally just told me you can't. You're putting it on credit cards. How are you telling me that's enough to live on?

58:05I'm going to change things up. No. I'm going to start buying things with the debit card so it doesn't get interest. Okay. So on here, we got Amazon. Banfield Pet Hospital. I can understand that. Yeah. That's my dog and cat's monthly stuff. But I wouldn't have pets in your situation because you can't afford them to save your life. Audible. When I got them, I could afford it. Go to the library. Library. I like Audible a lot. to go to the library. But it's cheaper because if I listen to audiobooks, that's my entertainment. Library. But libraries are stealing from the authors. I'm pretty sure the library...

58:38This episode is brought to you by Venmo. With the Venmo debit card, a taco in one hand, and ordering a ride in the other means you're stacking your rewards. Nice. Get up to 5 % cash back with Venmo Stash on your favorite brands when you pay with your Venmo debit card. Pick a bundle with your go-tos. And start earning cash back. Do more stash. Get more cash. Visit Venmo.com to learn more. Venmo stash bundle terms and exclusions apply. See terms at Venmo.me slash stash terms. Max$100 cash back per month. Where is pay? I don't know. You think they'd steal? You think they'd show up to J.K. Rowling's house with a gun?

59:14The authors get more money if you buy their product directly instead of buying it through the audit. If you're an author out there, do you support libraries? Let's hear from you in the comments below. I'm not saying don't support libraries. I'm saying support the authors first. Authors, what would you support? Let us know. I do support some authors on Patreon. Karen the c*** says... I also support authors on Patreon and some comedians. You don't have money. Support your rent. Or McDonald's. How can you afford that? That's why you're getting fat, fatty. Just a treat here and there. You've had a lot more than just a treat here and there.

59:46Kindle. I thought you were already doing Audible. In and out. Taco Bell. Kindle again, you f***. You are not intelligent with all the reading you're doing. What are you reading? Show me your f*** book. list show me your book list show me your book list you dumb i guarantee you you're too oh i'm sorry again chat third time i'm being mean i know i'm being mean do you understand why do i at least get a little bit of am i allowed am i valid from being mean on this one i know sometimes you say i'm too mean sometimes i'm too nice let me be mean here there's male torsos are you gonna freak out we'll see how that's not unconsensual pussy flaps it's a male nipple are you gonna be upset if you see that?

1:00:20No, but you see how you're asking for consent? Do I have your consent to show you a male torso? A male torso with a nipple in the mouth. She doesn't understand the difference of a male torso and a literal vagina. She actually doesn't understand the difference. Do I have your consent to show you these book covers? Here you go. Or something you don't need consent for. They're good books. Oh, this is why she's not intelligent. Okay, hey, when you're a reader and all you're doing is kink, slop, smut, No one respects you Shut the f*** up Scroll through some more No one respects you There's like post-breakup books In there too Oh my goodness I gotta start a screen recording And I am not going through Her images I wouldn't dare You have my consent To go through my images It's mostly pictures Of my animals Well thank the f*** Goodness I would never I would never Go through your images Look at this This is just F***ing 2026 There's Stephen Hawking Six woman's slop this is so pathetic because men in real life suck so we gotta read about it a lot of men do suck there's a lot of weird insults but this is like literally like it's good books this is like the weird male fitness camp version from the woman's side though like this turns you into freaks and weirdos I mean we already established I am so I'm just enjoying these books this is pathetic then you have Amazon shit as well oh you're gonna be so mad when you look at my Amazon stuff.

1:01:47Oh my goodness, she has 25 things in her car. I haven't bought it. $770 in her car. A waterproof dog detail when we can't afford our rent. That's great. Pillow couple seconds when we can't afford rent. That's great. Vibrator. Vibrator when we can't. Are you single? I thought you were dating a dude. I only see him like once a month. So I have memes outside of that once a month. Okay, we got a vibrator, but we can't afford rent. Wing, but we can't afford rent. Butt plug, but we can't afford rent. But we can't afford rent. Moon Yoy Memory Foam Ergonomic Rest Pillow, but we can't afford rent. Strap-on sex-wing machine, small, quiet clitoral vibrators.

1:02:25Men's male. But we can't afford rent. More sex-wing things. Two attachable white penises, one thick, one long. A purple Thanos cock, 9.4 inch. And now I'm extra glad that I'm not attracted to you because I bet it would be like I feel nothing happening. If you're taking a fucking 10-incher. I haven't bought it yet, so I haven't taken it yet.

1:02:55God, so gross. I would be having so much fun in this conversation if you were genuinely an attractive woman. It's so crazy. Wait until you see my purchases, though, stuff I've actually bought. So can. It's all just stupid bullshit. You can't afford rent. You're trying to take care of your mom's utilities. I like making that stuff. A lot of these aren't even making shit. There's literally, there's like chairs. Chairs and rechargeable spotlight. I needed to finish the purpose. Johnny the walrus boat. Temptations, creamy puree. You didn't need that to survive. I needed it for my new place. Shut the fuck up.

1:03:26You're such a dumb cunt. Supplements you don't need. Like, it's just like, what are we doing? It's so pathetic. You like my case? Shut up. No one likes your case. No one likes you. It's so cute. Minute key, I hope you got locked out of somewhere. You deserve that pain and suffering. Well, again, new place. I needed extra keys for my new place. More Banfield. Okay. Amazon, we already saw those. KFC. Mm-hmm. I like chicken. Total interest accrued last year almost$2 ,500, even though it's only at a 13.4 % rate, which is not good, by the way. But the fact is compared to the vast, vast, vast majority of credit cards is actually halfway, like, forgiving.

1:04:04And yet you still lost$2 ,500 last year just so you can get all your sex toys, just so you couldn't clear up your financial situation before you moved out and had to be independent because you're literally and you have no sensible, you have no, no, no micro examples of responsibility or accountability in your life because you're pathetic. Your parents are probably ashamed of you. You have an other Navy federal credit? What the f*** is wrong with you? 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.

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1:05:49But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So, of course they stopped opening it. Not because they don't care, but because it makes them feel worse. And here's what nobody talks about. The stress isn't coming from your spending, it's coming from having zero clarity in using tools that turn money into a failing grade. Have you ever thought, I just want to know where my money is going without being judged for it. You're not alone. That's exactly what we built DollarWise.

1:06:23If you want a calm and clearer way to see where your money is going, try DollarWise. Download the app today and get a three day free trial. No set of nightmare, no manual tracking, no pressure to be perfect. Just connect your accounts, see where your money is actually going and decide if it works for you. Click below to download DollarWise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel any time. It's only two cards. Shut the f*** up. There's more debts. Okay. Yeah. Well, you can't afford life and this balance is$5 ,442. Oh, people are going to take clips out of this episode and so out of context and make me look bad.

1:07:02Oh, yeah. There's one more credit card. The Apple card. Yeah. Like I. I forget about it. You just don't know anything because you're a literal. Yeah. I kind of forget to pay my Apple card. I'm being told the balance on this is higher now. Which one? This Navy Federal. Oh, yeah. Yeah, because I moved and I came tossed in and I needed some stuff. Hold it up. Hold it up, you preacher. You absolute beast. Fees, interest, minimum payment, it's going to be higher now. Yeah, I think. Fifth apology. I am sorry. I just, please give me, help me make it through this one, chat. I need you. I need you here.

1:07:40It's signing in. There you go. it's $6 ,350 for that one the visa so this checking savings Amex visa bro what is wrong with you it went up $1 ,000 $6 ,355.01 you're so man it's probably like I don't know $125 now I'm gonna guess Dude what is wrong with you What is wrong with you Just stop Just stop 20 years to pay off Oh my fucking bullshit No it's not What do you mean You want to improve your life And you're going to tell me It's not bullshit What the fuck is wrong with you All this stuff for my new place I wanted an all couple kitchen You don't need to Live the fucking like Well you're really big on You should cook and Cook at home So I needed stuff To cook at home And I wanted it all the chairs and the Christmas tree decorations and the little kids books and weird sex things.

1:08:49Like, what the f*** are you talking about? Shut up. Shut up. You can use the FizzCard debit card that builds credit, but you don't believe in debit cards. I don't know what the f***. It just doesn't let you spend what's less than in your checking account. So it's like... That might help. Shut the f*** up. I just, I don't want to even hear you speak. I'm so sick of this episode. Oh, crash out, crash out, crash out. Amazon, Amazon, Coyote Cafe. You didn't need that to move in. Oh, that was a date. The guy was furloughed at the time. Not sexist. She's just a dumb bitch. Amazon, Amazon National. I took a guy out on a date.

1:09:22Huh? That was when the guy I'm seeing didn't have a job because the government shut down so I paid for the date. You live a pathetic life. National Entertainment something $293. For what? National Entertainment something. I don't know. How am I supposed to f***ing know? Fifth apology. That was probably a comedy show? National Entertainment. Comedy show probably? That's my thing. No, that was$5. The Walmart next to it was$293. Minute key again. How many times do you need a minute key? Because I have two keys. Carl's Jr., Amazon, Twisted Horn Mead, Amazon, Amazon, Amazon, Audible again, mic drop comedy.

1:10:07Yeah, that's what you needed to move in. Audible, Audible, Audible. What the f*** is wrong with you? Stop. It's all kink books. You're not actually learning anything. You're not becoming a more productive member of society. You're actually just de-evolving. You're de-evolving. I'm glad we have you in our society just bringing us backwards. You're why I'm not moving to California. You're a part of it. Carl's Jr. Carl's Bad Brewing Company. Amazon. Amazon. Bullshit. Bullshit. Bullshit. Audible. Audible. People. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Amazon. Also, we can make kinky f***ing stupid bullshit.

1:10:39Dumbass. you are just the worst for Walmart CF United LLC Bloodwood Bloodywood that's a concert I'm taking my ex as a Christmas present you're taking your ex yeah so he bought me does he actually want to go yeah it's one of our favorite bands we went to it before does he want to go with you I mean too bad I'm going well you are does he want to go with you yeah is he going to get his own tickets with his better looking girlfriend so I got him a Christmas present with tickets to Bloody Wood. They're really good. It's a really fun concert. Ah, okay. One of their songs is not saying explicitly, but it's basically saying kill all rapists.

1:11:20Walmart, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Goodwill Industries. Huh? Stuff from my new place. No, I went through there. The vast majority was the stuff for your new place. You pathetic moron. Shut the f*** up. It's all hobbies. It's all bullshit. Shut up. Bullshit, bullshit. Amazon, Taco Bell. Nei Brazil. Minnesota. Oh, the Brazil was for my brother's birthday. Shut up. Shut up. Shut up. Harbor Freight Tools. Yeah. Fees. Harbor Freight for like. Shut up. Protection Plan. Interest. 14.4 % again. I was like, oh. Oh. Oh, my goodness. You sound like you need a relaxing time.

1:12:04Oh, I hear your current boyfriend has actually annoyed at you that all you do is talk about your ex. and that's not surprising because I'm so annoyed at you just talking to you and being around you and it's only been one hour. I have not checked the clock as much per episode as I have this episode because I cannot wait to get the f*** away from you. See how the audience feels. Yeah, I did tell him I'd stop talking about the ex. That's another reason why I won't really move the relationship forward. Well, yeah, that's weird. Is that what we usually do in our relationships, is only talk about our exes?

1:12:38I mean, he only spends the dates talking about his wife and girlfriend. Well, he's with them. Let me see what this freak looks like. Here we go. I guarantee he's the ugliest mother f***er I've ever seen. Oh, be nice. He's really hot. He has a beard. I really like beards. Okay, beard does not equal hot. It can help. I know. Some guys. Yeah, I know. We're saying that from experience. I am. It makes me look better at this moment. It's true. I think you used to have it longer. You should grow it out. It looks nicer on you when it's longer. Yeah, I'm not trying to impress you. You are the last creature.

1:13:08I do, you, Caleb. We already know this. You've expressed this, and that's unfortunate. This is not a really good picture, but this is what he looks like. They always say. My sister said he looks Santa Claus. How old is he? I think he's 40. He's very aged. He was in the military, so that's probably why. It just looks like a polyamorous guy. They all look the same. That's just what they look like. They do, don't they? Apple Card. It says zero, but I know it's not because I just got a message before that it said 300. Yeah. So it's like, what the f*** are we even doing? What are you spending it on?

1:13:42Okay, 300 with a minimum to be probably like 25 bucks. It's mostly like, I use my Apple Card for like online purchases. So it's usually for like comedy shows or concerts. Zero to up. Comedy shows and concerts were on the last one, you dumb tit. No, that's what I - Vending machine, Apple Bill. Vending machine, Apple Bill. Vending machine, Starbucks. UPS, comedy. Vending machine, f*** you. Pull up your phone again. I'm clicking around dangerously. Oh, and 7-Eleven. Pull it up! What am I pulling up? Just your phone. Give it to me now. Now. Now! Please don't throw my phone. I'm not going to throw your phone.

1:14:15Why would I throw your phone? I've never thrown someone's phone. There's always a first. There's not always a first. Oh, my subscription. Clue, period. Yeah. Those will end soon. And then iCloud. I hope so. I hope they end soon. Yeah. There you go. No more fear. I mean, there's no fear because I can't get pregnant naturally. But it's still good to keep track of your periods. You must be Apple Paying for some things because there's definitely more. There's more Apple bills and shit going on. I use Apple Pay to pay for the 7-Eleven app. 7-Eleven app? What are you getting? Beast? Use Gamer Subs. Use Gamer Subs.

1:14:53Seriously. These are the shakers. But I'll give you free samples. I don't even want to give you free samples because f*** you. But make your energy drinks at home just like you should make your coffee at home. It's like 40 cents a serving. It's totally worth it, guys. Link below. Get the free samples with my code, Caleb. See what you like and then get it for 40 cents a serving. Can you have them at 7-Eleven so I can actually buy them? I wouldn't be surprised if they're entering it soon. That'll be the canned version, but you can get the cheap version via. That'd be awesome. I'm happy for you. I'm proud of you if you get that to happen.

1:15:24I'll be your first customer if it's in 7-Eleven. I've heard they're good They are Get the free sample you dumb What is this what am I looking at Oh those are my Amazon payment plans Payment plans Payment plans What's your balance on the payment plans What's over on there I don't have a balance About 400 he said And they're all stuff for my new Beast $400 $400 $400 What's your minimum Ah, geez. Why am I so irritated and crashing out in this? You're just, you're just, I don't, I do not like you.

1:16:08I like me. If you, if you, if you wanted me to stick it in, I don't understand why you come across as like the literal worst person ever. First of all, you're also like 30 feet tall. So yeah, guys like that. Who's guys? I mean, I go to sex parties. People want to bang me. Yeah, but I assume most people there are not attractive. I know you find other people attractive, but like conventional attractive. Looks like minimum payment is$109.98. I don't know why they want to f*** something they can't feel.

1:16:43Yeah, valid. All you penis people out there, you know what I'm talking about. I'm really good with my hands and mouth, so they feel something. Yeah, unfortunately, everyone wants to get to the real place by the end, And if it's not working, that is unfortunate. No, not everyone wants to stick it in doo-doo areas. Not everyone. It's not a bad thing, Colton. It's not a bad thing. I'm not saying I have someone in the ass. But just not everyone wants to go there. You know? I mean, we wouldn't negotiate it. I wouldn't just be like. Negotiate it? F*** you, negotiate. Yeah, negotiate before I ever see it.

1:17:16Shut the f*** up. $1 ,135 in this checking account. See, I make good money. Not enough for you. is what I am saying. Zelling out. Where did you Zelle out$1 ,950 to? $950. That must have been to my own. $1 ,950. Oh, that's rent. Oh, via Zelle? Okay, then PayPal. So this is bills paying. Listen. Let's see. Let's see. Let's see. I'm not seeing overtreft, so stop putting it on the damn credit cards. Stop putting it on the damn credit cards. Budget your shit out. Stop getting bullshit that you can't afford. Use the kink shit you have. I have a note that your kitchen stuff has to be purple. No, it doesn't to survive.

1:17:55It's really pretty. To survive. To survive. It's like my new happy place. Like, listen, you don't need that to survive, though. This checking account, or the savings has 170, and then the checking account is$40. Yeah, that's like my backup checking savings account. What is this? Is this retirement? That's my retirement, yeah. So, like,$14 ,073. Okay, that's okay. Actually, that's pretty good. That's pretty good. For your income, I'm pretty happy, actually. So, the first one's my IRA. Oh,$90 ,000. And then the other one is the 401k. Odd diamond in a huge rough, huge rough. So you're saying I have a future ahead of me.

1:18:32Yes, you're on track for retirement, if not even slightly. Probably about actually mid-30s, yeah, just about on track. See, I'm not completely terrible. I have some good aspects. Not completely, just personality and life and relationships and existence and job and income and paying for rent. And you're likely going to have to pull from that retirement anyway or borrow against it because you can't afford life. You're completely f***ed. Yeah, I know. You're pretty much completely f***ed. Listen, before I make you the budget, again, my big concern is like, there's shit to clean up here. I don't know how you do it while supporting the mom.

1:19:04But more than anything, you said your big goal was to get a dungeon and a motorcycle. Mm-hmm. My reasons to live. Yeah, but what about paying off the debt? That actually matters. How much is this motorcycle? About$40 ,000, and I want to buy it next month. Okay, well, that's not a possibility. You could buy it regardless. If I do a, what do you call it, like a five-year loan? A loan? Yeah. So we go into double, times three our debt. But that will keep me motivated. What? No, you're going to get a bad interest rate. It's going to go down in value immediately. Well, it's not like I'm going to plan on reselling it.

1:19:40I want to keep it forever. You don't know what's going to happen. What's your car situation right now? Gets me to and from work. What is it? You're such a stupid person. 2014 Chevy Spark. And it's not electric. It's stick shift. And how is it? I don't give a shit. How is it? It runs. Gets me to and from work. But how long might it run for? I don't know. There is a recall on it. There you go, you idiot. Why not go get a recall? Okay. Right at 3 ,200. Yeah, that's not much. Motorcycle. Listen, you're right. San Diego, best weather in the world, actually, for a large city. So motorcycle actually might work.

1:20:13That's going to be difficult with groceries and moving things. I don't want just motorcycle. I want a car and motorcycle. If your car's on, you know, death's edge, potentially, a motorcycle isn't our f***ing thing. We have to get out of debt, save off an emergency fund, and then get a car if we have to, when it breaks down you. Like, it doesn't make sense to go into this motorcycle. Okay, in the dungeon, what's that going to cost? Are we doing that next month, too? I've never done any remodeling, so I don't know how much it's going to cost. You're going to remodel something you're renting? I'm sure they'll let me.

1:20:38I just have to ask the landlady. What is your apartment? What do you have? It's one of those, they took an old house and made it into a bunch of apartments. so I could just... How many rooms in square feet is your house? My part, it's, well, it's still a studio, so I would probably have to install some sort of wall. So you'd be living in a sex dungeon. So your entire place would be a sex dungeon. I mean, we had a sex dungeon at our old place. Yeah, I'm sure there was more space. Yeah, but it was two of us. Now it's just me. You're an idiot. How many rooms in the last place? Two, in a garage. Okay, you're an idiot.

1:21:12That's called space. You have one room. There were multiple rooms there, plus living room and kitchen and a garage, you dumb. Oh, my gosh. Oh, how do people make through conversations with you? You can't process things. You can't. Oh. Sorry, I'm not trying to be so mean. Yes, I kind of am. I don't know. I don't know. Ah, shit. Okay. Do you need a minute? After this conversation, I'm going to need quite a bit. And I don't drink, but I'm going to need some of that too. You should have some mead. That's my personal favorite. I bet all the men need a lot of that before sleeping with you. If they have a lot, then they won't be able to form.

1:21:55Shut the f*** up. Shut the f*** up. Listen, I want to get people to the goals. Genuinely, I really do. And goals can change. But the baseline is you have to get out of debt. Have a fully funded emergency fund. It's six months of living expenses. And then your retirement's okay, so we're just 50, 30, 20 until then. but that's going to be a hard on your income regardless, especially since you're taking care of your mom. How long are we going to be taking care of our mom? Hopefully until my stepdad dies and hopefully soon. Well, is that an actual possibility? He's getting up there. What's up there?

1:22:26You're getting up there. Uh, he's like 70-something, almost 80. Okay, so maybe, but I don't know. I don't know. Isn't San Diego close to being a purple zone or something? I think so, yeah. So it's like people live long. I asked earlier, what if I just cut them off? Then now I'm better off financially. I have siblings. Are you going to? No, okay, I wouldn't cut them off. I would talk to your siblings. See if someone can step up while you get your shit taken care of. You're probably excommunicated from your siblings, right? I'm still in contact with them. They don't agree with my lifestyle, but if I ask, hey, can you?

1:23:00Agree with you? I don't know what there is to agree with her. I mean, you're a freaking weirdo. Yeah, they don't like hearing about my lifestyle. Well, no one likes hearing about your shit in detail, but you keep shoving it upon everyone. Hey, remember when you don't like trans people shoving it down your throat? That's how I feel about your existence. That's how it works. Okay, but you can't do the motorcycle next month. You can't. Okay, how about the months after? Well, let's figure out how long it takes. This doesn't make sense. Your priorities are out of whack, which makes me feel like this is a waste of my time, which is just so stupid, man.

1:23:37It's just so stupid. Listen, your debt minimum payments alone are$771.67. Wow, your rent is$2 ,000? Mm-hmm. But that covers everything. Utilities, water, gas, trash. Internet as well? Not the internet. How much is internet? The internet is$133. And your income is$3 ,600, so internet is$133. What about your phone bill? I pay for the family's phone bill, but my portion of it is probably$145. Well, do they reimburse the rest? Sometimes Well then no Get on your own They can deal with their own shit You have to be independent You are 34 No they're dependent on me I own the cell phone plan Well are they gonna step up Are you gonna talk to them And they're gonna step up Cause that's really the option Well I was going to cut them off It's not about cut off They're not doing something bad Your mom who got sick Isn't doing something bad Yeah right It's talking to your family About them stepping up to help While you get your situation Taken We all have that dream trip We've been wishing we could go on But too often Life or usually price, gets in the way.

1:24:40That's why Priceline is here to help you turn your dream trip into reality. With up to 60 % off hotels and up to 50 % off flights, you can book everything you need for your next adventure. Don't just dream about that next trip. Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today. Go to your happy price. Priceline. I was going to change this. I was going to tell them come January you guys need to get your own cell phone plans but then mom went into that coma and then I was like well I'll just keep taking care of them I guess. But now she's getting better.

1:25:16So I think. Damn I didn't even. This is brutal. Sorry this is backtracking in the conversation but your ex literally broke up with you because he said you weren't physically attractive anymore. Yeah he said I don't find you attractive physically or as a person anymore. Fair. Yeah. Valid. He made me that way. Oh my goodness. What is with the people not being, I don't want to say, I don't want to red pill and say, oh, women can't take accountability in 2025, 2026. But what is with people in general not being able to take accountability? He is the responsible for all the shit we just talked about for an hour and a half.

1:25:50What the fuck is wrong with you? What the fuck? Okay. You claim that you were just trying to force him to wear a condom and that's him not being attracted to you anymore. Wait, what? So he had this habit of just meeting people. Within a week or two, he'd stop using a condom with them. And he said, because I asked him, hey, you are putting my health at risk. Can you wear condoms with him? Well, yeah, make that boundary and then break up with him if he breaks it. I should have in hindsight. But I loved him and I wanted kids with him, so I stayed with him. Yeah, but if someone is breaking boundaries, you have to ultimatum them.

1:26:22You just have to. And that's kind of where I came down to. But that doesn't make sense for why he broke up with you. Because obviously he was getting away with it. so it's not like he was dealing with any issues other than STD here and there. Yeah, he might have gotten something here and there. Probably. If you guys are f***ing that many people raw, it's bound to happen. Just take a pill. I only f*** him raw. He f***ed everybody else raw, including the 21-year-old. Dude, you're making it sound like that's a child. Why do you care about a 21-year-old? She basically is a child. Your brain's not even fully developed until your late 20s.

1:26:53Oh, my f***. Literally, you're acting like a crybaby be about uh trans people earlier and now you're actually playing that first of all the vast majority of the brain is developed by something like uh 16 or something like that i'm not i have a game for age of consent to be there i'm not saying that but we're just using science and then the rest of the development that happens between that and 25 and it is different between most people is all life experiences so if you yeah well let's shut the up for a second let me talk you dumb i swear you're i understand i get him i understand him um and if you don't allow those people to actually have life experiences and make mistakes and learn from things their brain's never going to be developed or it's going to develop premature or like it's not going to develop enough by the time that it needs to so if you're saying the 21 year old is a child you're preventing them from having the life experiences they need to have for that full development and what the fuck are you talking about we're literally allowing people to drive multi-ton vehicles down the street at 75 miles per hour at 16 so i don't give a if a 21 year old is having sex with someone We're allowing people to go work in restaurants and whatnot at 15, 16, 17 with a bunch of people smoking behind the dumpster.

1:28:05I don't care if someone's having dinner with someone at 18, 19, 20, 21. People are signing up to go shoot guns and get their heads blown off at 18. I don't care if someone takes a dick in the pussy at 21. What is this weird infantilization that only happens regarding sex? Only sex. It is so weird. What is this? Why do we treat people like they are babies? When they can die, when they can vote for the future of the country, when they can have jobs at 16, when they can drive a fucking truck that could kill someone at 16? Why is it only acting like people are children when it comes to having boobs, butts, dicks, vaginas?

1:28:45What is this anti-sex culture we have where we just act like everyone is a f***ing child? And no, that's not advocating for f***ers 18. I'm not saying that. But this 21-year-old thing, you're weird. man. That is actually weird. Because she was my 41-year-old boyfriend. It is weird. That's it. You're a bitter ex. You're a bitter ex. And no one is surprised that you are the ex that got broken up with after this conversation. No one is surprised. What's your phone bill? Your portion. 145. Dude. So what's your gas? A room from drive drive on a monthly basis. For the car and motorcycle about 160 so you already have a motorcycle yeah i have the motorcycle that my ex i don't want that motorcycle anymore no it's car insurance how much it's still his car insurance is how much 140 necessary food in order to survive 300 tp fun anything else you need to survive including tampons for now 100 medical health care co-pays how many std tests you need I get tested every three months, but the copays and meds are supposed to go on my FSA, but I still haven't received that.

1:29:53Okay. How much do you spend on your copays on a monthly basis? Copays, 80s. Meds, 50. Okay. How much for a gym a month? I work out at home. Not enough. Subscriptions, 40 bucks. Pet insurance, 100 bucks. How much for pet food? I have it written down. Let's see. Glad you brought things written down But not including things that are in your budget The pet food and their prescriptions Is about 171 Anything else that needs to be in your budget That's not there I'm so over this conversation We already know you're dramatically younger So I don't know what the f*** I'm doing Gotta get another job I'm not even including your mother in this Because I'm hoping your family steps the f*** up Hopefully But I have a feeling they don't want to talk to you $4 ,490.70 to survive $3 ,600 I'm sorry I'm not going to have a productive end of this conversation Nor are you entitled to it $890.70 Underwater You just need to go get a f***ing job You are not respected in capitalism In San Diego The market does not respect your position You don't make enough to survive I'm sorry Go get a better job working on your career I don't care Listen You're a dick I was a dick to you Seventh apology Hopefully you accept it I don't know.

1:31:13I don't even know. Let's get your hand in financial school. Just get a better job. If you can budget for a few months, maybe you can go through bankruptcy, clear this debt, but you already, she, again, the reason why I'm just flying through this part, guys, is because she's just going to go get a motorcycle next month. So it's like, what the am I even doing? It's like, what a waste of time. I'm not, I'm not going to, no, I'm not spending time on that. Spending in a budget. You overspent, 0 to 10. Debt? No collections, but horrendous debt for you. It's about a 2 out of 10 though Because there's only a couple of counts Emergency fund Not enough for a 1 out of 10 retirement Was a 10 out of 10 for your age It's a number It's not my opinion Well I guess it is my opinion I respect your opinion Good And take to heart that I don't like you Join us for the post show Let's see what's going to happen Oh Okay, I guess we might confront the stepdad and talk about the - Ooh, let's see what happens.

1:32:13Oh, shit. Okay, post show might be crazy. I'll see you guys there. Join Hammer Elite. Three premium shows posted every single day, six days a week. Ugh, what the f*** do you want? I wanted to know why you got me kicked out of the BDSM club. You act like you run the place. You never pay new your dues. You can just see a big tip. You can do whatever you want. F*** you. Don't forget to download the new DollarWise budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out.

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