Financial Audit's First Furry

24:07What? For f***ing why? Custom made. He's a very notable figure in the fandom. People do pay for that. Who is he? His name's Spiral. If I go to a furry—I know you don't give a f*** about this because it's a furry convention. If I go to a furry convention, I get treated like how you do in public. Oh, Caleb Hammer, let me get a picture. You know, that's me at furry conventions. Oh, my God, dime. Because of a$7 ,500 thing? Because of my platform. I'm a content creator. I've got 960K on TikTok. I've got... What? Yeah, I've got 34K. Okay, pull up your TikTok. I'm not allowing him to plug it, so you're not going to see it, but I need to see it.

24:38It's a dead page. I don't post it on anymore here. Okay, so why are you getting recognized at places if it's dead? Because I started over with this. Then show me the new one. Okay. I don't care about the one that's dead that no one knows you from. Well, I'll pull up my... I'd rather show you my Instagram then. The TikTok moves so fast. Yeah, okay, your Instagram. Okay, 34 ,000. Yeah. Oh, I know. He bragged about the debt account. The debt account, yeah, it's just what people know me for. It's what I came into the fandom as. It's like, oh, look, furries can be normal people. Furries are your everyday average Joe.

25:06They're not just fat neckbeards that stay at home when they're moms. I'm not calling you your everyday average Joe. You don't really seem like that. You said I look normal. Your face. Yeah. So far, I feel like I appear pretty normal, just with a f***ed up outlook on money. Everything else is normal. If you know it's f***ed up, why don't you change it? I'm so confused. That's the fun part. I just don't think I can. Huh? I've tried. How? For like the last eight years, I've been burning into my head. Next time I have money, I'm going to do this. Next time I have money, I'm going to do this. So what have you told yourself the next time you had money you needed to do?

25:36Invest it or spend my debt down. Then what happened? Bought a motorcycle. I bought two motorcycles, BMWs, designer clothes, jewelry, fursuits. I've probably spent a little... Yeah, your consumerism to the max. Oh, yeah. And I plan on getting the new iPhone 17 next week. Well, that within itself isn't the worst thing if it stands alone, but mixed on everything. And why are you going to do that after coming on this show, asshole? investment for my social medias. No, what is that? It's a 15 Pro Max. Shut the f*** up, you're fine. But it's cracked. I don't care, mine's cracked, I'm living. Oh, I could tell it was cracked, it's kind of a turn off for me.

26:09I don't care if you're turned on or off. I'm turned off. Other people probably look at that like I was - I'm richer than you'll ever be in your entire life, I don't care if you're turned off. What do you drive? Huh? What do you drive? Model X. Yeah, your finance status doesn't matter for me. But your phone's cracked, I didn't like the look of it, and I know other people do. I judge everyone's worth not on math but their car. I'm not a flashy guy. I know. Tesla's pretty flashy. You could say all day it's not. A Tesla is flashy. It doesn't look flashy. It looks pretty flashy. What? Mono X looks like a spaceship.

26:39Inside? With no engine noise. And every time you hit the accelerator, it just goes, yay. You know, because it's electric. I'll never buy an electric car. Yes. Faster than any car you have. It doesn't matter. A Bugatti. It might be a little bit faster than a Bugatti. Take it down the highway. You're getting smoked. It's so much more fun. No, it's not. You like to go fast. I've been in a Plaid. It's okay. I just like to go fast. Is yours a Plaid? Not my current one. So more money than I'll ever have, but you don't have the best Tesla. Well, why would I? I'm moving to New York City. I don't want to use a car.

27:05Oh, God. Okay. New York City. Why? I can walk places. And just constantly running into people, can't drive. So you're going to get rid of your car is what I'm hearing. Yeah, I don't want to drive. Why would I want to drive? I want to live in a community. So you'll be liking public transport. Or walking around or biking. or welcome to living in an area that's built for humans and not vehicles. I feel like you're just like on a script at this point because all these people define success. Oh, I'm going to move to New York. No, I'm literally, I don't give a shit about the city as the city. I care about it for the community and moving and it's built for humans.

27:41Is there a benefit to you besides not having your car? Yes, it's built for humans and not highways and cars. I don't know. I don't like the humans in New York. I'm not where I would want to be. Well done. Don't go. I will, but I'm not going to live there. It's a vacation place. It's like L.A. God forbid. I wouldn't want to live in L.A. Okay. We agree on that. It's built for cars, not humans. Okay. So you define your entire existence on whatever car you have. I wouldn't say that. I'm just saying like Tesla says a lot about a person. What does it say? You have a girlfriend, right? Yes. Okay. She, back to the trans conversation.

28:15She a girl? Like born female? Yeah. Is this what they say? Yes, yes. Okay. I'm just making sure. Because when I think Tesla, I think gay. He's homophobic. No. Like I said, I know a lot about my sexuality. His ex rubbed off on him quite heavily. I guess you could say that. He rubbed him off and then left a homophobe. Well, the rubbing off was for the only f***, not for my personality. I mean, that's fine. I mean, everyone can like whatever car they want. Like, there's not much for me to desire to even defend a Tesla. Like, I'm going to drive what I want, right? Well, yeah, of course. I like that it drives for me.

28:49Yeah. That's cool. And then I don't have to think. That's cool. I can just listen to a podcast. Yeah, you can do that. And it just goes. Sit there and look at gay people while you drive. Sure, why not? It's not my preferred. But it's on there. You said it's not your preferred, so it's on the list of things you'll watch. It's just not the first thing you'll watch. No, not really. Play it back. Yeah, okay, play it back. You said it's not your preferred. Here's the thing about me, right? It's like I think the gayest thing a guy can do besides take a dick and his ass is be offended if someone ever questions his sexuality because I don't give a dick.

29:21Like, I'm confident in my masculinity that if someone questions me, I don't feel like a little b****. Well, how do you know if you've never done it? But you have to use it as a way to try to get under my skin, but it doesn't affect me because I don't care. How do you know? Hmm? How do you know? How do I know what? That's how I had to do it. I didn't know. I was struggling. I was like, what if I am gay? What if I am bi? I'm not going into the lore of my life with you. You're on financial audit. Well, I thought, you know, we're talking, conversation, right? No. I'm just telling you my thing. I'm trying to move on.

29:45Okay, let's move on. I like that idea. I'm trying to talk about the numbers. No, you're not. You are literally not right now. I have to turn on the fish tank. I got distracted by walking in to your existence. That happens. Okay, so you're going to be very rich, and you're going to let everyone know by the car you drive because you care more about what the person next to you at the stoplight thinks than what's your actual net worth. Right, okay. Very good. Anything else I should know? No. I do appreciate this. Well, I have a money source that you ran into once. You made money through an Instagram scam.

30:24Not a scam. Not the way to word it. It was a paid service that people got what they paid for, and they only paid upon completion. It was never payment upon, oh, I'm going to do this. It was paid after I succeeded. So Facebook had an exploit to get people unbanned because I'm sure you work on social media, you're aware Meta has terrible support systems unless you give them thousands and thousands of dollars. for meta verified. And the more you pay, the more they help you out. Meta verified. Isn't that like$5,$10 a month? Yes. But if you use the ad system, this is the exploit. The more you pay through their support system.

30:56So if I'm giving them$100 to promote one of my posts and then I go to their support system, they're going to say, this guy's high ticket. We're going to help him farther. So what I would do is I'll spend money on ads and then I'll say, hey, my page got banned at insert handle. It was a page with 13 million followers. And this person approached me saying, it wasn't my page. And he said, I need you to get my page on band. I'll pay you set amount. if you succeed, I got him unbanned. He paid me$7 ,500. And from then I realized this is an actual thing. And then I did it for a little over a month and a half and a little over 45k.

31:26And why would you stop? Because there was a band wave that happened. And I do have a sense of moral compass as much as it might not look like it. I felt bad for the people that I negatively affected and I pulled out of it. What? You banned people? I didn't ban people. Facebook caught on. How'd you get f***ed? Oh, the people you unbanned got banned? Every single person I got unbanned and then people extended past them on their devices. Well, that's fair. I mean, you used a way to, like, navigate their band system, of course. Of course it's fair that they got re-banned, isn't it? Yeah, well, I'm saying it sucks, but I stopped to prevent that from happening again.

31:55I didn't want to f*** people over any further than I'd already had. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99.

32:30So you can finally take control and see what your money's been doing behind your back. Click below to get started. All right. Well, give me your, um, what you think your finance score is zero to 10, zero being the worst, 10 being the best. Two. Two. Okay. If you want to know your financial score, your Hammer financial score, take the assessment for free at calebhammer.com. See where you're staying, see where you need to do better, where you're doing really bad, where you're doing really well. And if you don't want to be like a guest who ends up on the show, make sure you download the DollarWise budgeting app.

33:01It is my preferred budgeting app. It's incredible. Take the free trial, and if you like it, sign up for the annual version. Save a lot of money by doing that. And when you do, I will personally send you my budget-friendly cookbook. I'll sign it, and I'll mail it directly to you. Okay? All right, let's jump into these documents. Yep, here's Neiman Marcus, except you just said you spent a shit on this, right? Yeah.

33:27What's the new balance of your Neiman Marcus? Probably a little over$1 ,100,$1 ,200 now. Why? Why'd you need to do all this? I didn't need to. Nobody needs to do anything. I just wanted to. Wanted to? But you're also, at the same time, you keep telling me how you want to get your s*** together and manage your finances better when you get out of debt. I can't move to Dallas without getting my s*** together. Then why are you going to Neiman Marcus? Like, you want it, but you also want to move to Dallas. Which one do you want more? My psychiatrist had a word for it. Mania. Something like that. Unmedicated mania.

34:02Unmedicated. Medicated. Not medicated. I'm on Adderall for ADHD, but nothing else for like BPD. And she says that that's why my spending is the way it is. So you should medicate it. Potentially. You need to get it under control, correct? Yes. Clinically, by the way. So why are you not? I feel like SSRIs are such a plague in this. It's an SSRI. That's what we're advocating for. Pull up your card. Pull up the statement on your phone. Okay. Yeah. I just don't want to be on medication for the rest of my life that I already am. Well, that's fine. Maybe you being on Adderall is making you go crazy. Well, I only take this on days like this where I have to, you know, live.

34:36Did you take it yesterday when you spent a thousand? Nope. Wouldn't have stopped me. Okay, so it hasn't updated yet. It still sows 367. Um, oh. But you can see, you can subtract the available credit, which is a$2 ,000 limit to see my purchases from yesterday. Oh, Neiman Marcus, Neiman Marcus. Yeah, 634 and then 248. Hoodie was 248. What's your new minimum to payment, you think? I don't know. I'm gonna say it's 40 bucks. It's better than my freedom. It's disgusting. Yeah, I'm sure it is. That's just so f***ing stupid. I just don't understand. Because I get it. You did it. Maybe you did it in some kind of mania.

35:08Maybe you did it in some kind of woo-woo-woo. Maybe you're bipolar. I don't f***ing know. It doesn't matter to me. You still did it, but you also want to move to Dallas. What do you want more? I want to move to Dallas. It's very important to me. Then return this s***. Can you? I don't know. Was it here? Yeah, it was in North Park in Dallas. I drove here from Dallas to get here after I flew in from Michigan. but I can't return the cologne. That's a given. I already sprayed that one. How much was that? $3.50. Good f***. I don't even notice it, man. I put it on a few hours ago. Well, if it's a good cologne, it should be good then.

35:45Yeah. I'm a good smelling person. I'm not saying you're a bad smelling person. That's something valuable to me. It's cologne when we're moving to Dallas. How much do you need to move to Dallas? What have you established you need to move to Dallas? I need to go positive first. I need to pay off my debts. I don't want to have these insane monthly payments. How much debt do you have? I think somewhere in the ballpark range of$25 ,000 to$30 ,000. Yeah,$25 ,313. How the f*** are you paying that off when you... Oh, and that's not including, I don't think that includes my$9 ,000 of property debt.

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36:55I, no. Like a bad boy? I couldn't afford the apartment after me and my partner split. So I just kind of left. She left the apartment. You didn't leave. I kicked her out. Okay. And she wasn't on it? She was on the lease, but she was a secondary. So I removed her. No. Yeah. Okay. When was that? How long has this been? How long have you owed this? October 2024 was the end of my lease. It's been a whole year. I can't rent. How are you then? My girlfriend. You're just renting from your girlfriend. No, no, no. I'm on the lease. I'm on as a secondary. She was already approved in a place and then I got onto it.

37:38You're just going to go get a place yourself. Yeah. So she's going to get the place? She'll get approved for it with her income. With her income. Is her income good? Yeah. What does she do? She's a test driver. Is she going to be a test driver there? She can. She can transfer. That's a good industry. in Dallas? Because I know Detroit's like the car place. Yeah. Well, Dallas has a major car scene with the dealerships. I don't know about manufacturing, but she doesn't need to be a manufacturer. Oh, it's for dealerships. Hers right now is not, but she can go to a dealership. Will it pay as much? More.

38:09What does she make? $18 an hour. So you won't be able to get approved for very much with that. We can get approved for bare bones until I get everything figured out with my situation. So you have all that and then plus we have the apartment. But I'm not giving them nine grand. I'm going to settle like two years from now and call them and say I'll give you three grand and you're going to deal with it. Well, hopefully they accept it. Yeah. They might not. Is it in a collection? It's in collections. Is it in a collection agency or is it owed to the apartment? Collection agency. Okay. Well, yeah, they might be willing to negotiate a bit more and it's been in collections for about a year?

38:43Probably, yeah. Six months? Because I don't know how long until it went to collections. Dude, this makes no sense. Again, your priorities are just out of whack. You want to move to Dallas. You need to get positive to move to Dallas, but you already have$35 ,000 of debt. Sanity, when we include that collections. And you don't put any money to debt. You overspent. Like, you overspent. I mean, it wasn't insane for what it's worth. Like, we never spent a few hundred dollars. It's things I feel like I need. But you needed cologne? I'm in the service industry. I need to smell good for my customers, you know, my guests.

39:20I don't think anyone wants to be smelling a bunch of scents when they're wanting to eat food. They do. I get comments all day because I put it on my wrists when I'm reaching across. You know, oh my God, you smell lovely. My tip percentage average just goes up when I smell good. Yeah, I'm sure they want your tip. Maybe. I don't judge.

39:36Fuck, man. Okay. Okay.

39:42So I want to understand your mindset a little bit. Tell me about yesterday because it was$3.50 on sunglasses,$3.50 on a hoodie,$3.50 on cologne. $2.50 on that. saying,$250. Okay. So walk me through where your mind was yesterday as you were going into this. Okay. So the first thing was I wasn't going to buy anything. And then it transitioned into, because my buddy had bought something into, okay, well, my Neiman Marcus card is my lowest balance and I have room on it. And I was like, oh, I'm about to lock in after this thing today, where I'm at now with you. I do that a lot. I'll make up for unspent money by spending a lot, knowing that I'll probably lock in after the fact and get it paid down.

40:22And I use spending as my motivation to lock in. Like the more I spend, the higher my payments go, the more money I have to make, the more I have to go to work, the more I have to save. It's kind of my motivation. Just tell me yesterday though. I want to put me in your mind. You're there. What's happening? I saw this hoodie. I touched the hoodie. Felt very good. Felt like a thousand dollar hoodie was 250. I only had$300 on my Neiman Marcus card with$1 ,700 left over. And I was like, okay, Easy. Whatever. This won't even move my balance. And then I went to the cologne section. And then I was asking the lady to show me this cologne.

40:55And I also asked her to pull out this pair of glasses that I tried on. I loved both. And she was very sweet. Of course she did. She was very sweet. Nice old lady. Nice old lady. Very sweet. Offered to buy me a cookie. Well, you know they get commissions. I know. I know. I used to do sales. Yeah, exactly. They're vultures. Yeah. And she vultured me. I don't regret it. I hope she got a very nice meal out of what I bought. She did. You're paying for her life for you to get food. Did not move to Dallas. Well done. Yes, yes. And in my head, it was, well, I'm going to do this thing today, and I'm probably going to have my eyes opened, and I'll just get back to Michigan, work, only put money into things that matter, like my credit cards, make sure my payments are on time.

41:33That's what it's always going to be, isn't it? It's always, I will do this later. It always feels different, though, if that makes sense. So what felt different now? That I flew all the way across the fucking country to be on this show for the help. Because you guys don't allow me to plug anything. This isn't going to benefit me. People are going to want to. Then why the f*** are you here? Because it's supposed to be benefiting you in a way of fixing your finances. That's the way I was going to say. It benefits me in that way. It doesn't benefit me in my career path at all, which is social media.

41:56It does nothing for me. But this is going to hopefully help me open my eyes a little bit because I wouldn't have flown here, you know, if I didn't see a benefit for it at all. I mean, there's going to be some guys in the audience. We, you know, we love all. We love. We love all the funds. I'm sure we got some furries. I'm sure, you know, we got. We got the gays. You know, we got them all. They are going to, they will find your p*** online somehow. It's on Google. It's on Google? Your p*** on Google? My p*** is on Google. My p*** out of my ex is on Google. On Google? On Google. How on Google? What do you mean on Google?

42:34You turn on Safe Search, you type in a certain phrase, and you just press images. It's all over the place. We had a very successful only face. Dare I ask, what's the phrase? That's not, uh. We'll bleep it. You could type in only f*** leaks, or you can type in only f*** leaks, and it'll pop up furry guy on something something, and then you can type in only f*** leaks, and they all pop up. Originally, I did it for my job. Dude, I'm a f***ing gooner, and half those words didn't make sense to me. I don't goon. I don't watch f***ing. I don't do any of that. This is just stuff that I've known from my history.

43:08Okay. Listen, you're not a credit card person, guy. I think the best thing you could do for your future when you actually come into this money again, which I hope you do, that's not just how the world works. I think you've been in the right place, right time. That doesn't mean that's going to infinitely happen forever. I know. But either way, just close your accounts. Yeah, you'll f*** your credit for a bit. You put your credit in the start anyway, so I don't really care. Open the Fizz cards, the debit card that builds credit. But at least you can't overspend what's in your checking account. I just, you cannot use credit cards.

43:39You can't be trusted with them. You go into Neiman Marcus. If you didn't have the$1 ,000 in your checking account, you wouldn't have spent it. But you had the ability, now maxing out your credit card probably, pretty darn close. No, I still have$1 ,000 left on it. No, not a full$1 ,000. I might go back. Probably like$700 or so. But either way, because you had the ability to go spend it on a credit card, you did. You should have seen the way my eyes lit up when they called me from Chase and said, hey, we just gave you$11 ,000 limit. Called my dad. Dad, they just gave me this great credit card. Yeah, I was still at the dealership.

44:10This was just entirely without the only thing or anything. And I got this$11 ,000 limit from the Freedom with 18 months, no interest. And I was very behaved on it for the first few months I had it. Yes, you're a good boy. We all know. I was a good boy as my tail starts to wag. What? Remember that doctor's appointment you were supposed to make a while ago? Like the dental cleaning you meant to schedule, but you got sidetracked and completely forgot about it until now. Well, why not book it today? Today's sponsor, ZocDoc, makes it easy to find the right doctor right now, and it's all online. You'll probably be able to book an appointment before the end of this ad.

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45:27That is Z-O-C-D-O-C dot com slash Caleb. ZocDoc.com slash Caleb. Let's get back to the show. And then I kind of fell off the boat when the breakup happened because I was withheld funds that I needed. By her? By her. Did she owe it legally, contractually? Legally, we had no paperwork. We had a verbal agreement. Always got to do paperwork. Yeah. Her dab was the only reason that I ended up getting some money, and that was because I had to sell her my previous fur suit for$5 ,000. And then that$5 ,000 was gone in three days. Okay, your fur collection, how much? This is my only one now. I've probably spent at least$12 ,000 on my fur collections in the last three years, though.

46:00How much does it hold? How would you sell that for$75 ,000 right now? I would just post it. And people would get it for$75 ,000. They would bid for it, and it'd probably go a little over$7 ,000 because of all the art, the reputation that comes with it. But you've fallen off for a while. I'm on right now. In the furry community, I know you say, oh, it's only$35 ,000. Well, yeah, but you bragged about the almost million, and that fell off. That was because of my cat. I was not the main focal figure of that social media. Your cat got a million. It's so easy to get followers on TikTok. It's so crazy.

46:26It was a hairless cat named Lola. I used to yell at her, oh, rotisserie chicken. and then those videos just popped the hell off from 2017 to 2019. Okay, yeah. I mean, you have skills for what it's worth. I used to work for rappers. I have, I'm not going to lie, I have fallen off in terms of where I was in life. I used to be Baby No Money's marketing director. I was working with Young Gravy. I went backstage for Pooja. Both of them, did they connect you with the show? So, no. They liked the show. I had no idea. They've both texted asking if we want to have them on. Just both their finances are great.

46:58I'll hold my opinions on both of them. I like that. Alex is a piece of shit. Which one's that? Maybe no money. Why? He never paid me. Not a dime. Worked for him for about three years. He promised me as soon as he would make it, he would give me money. I made him memes. I ran his platforms for him. I helped him with meme marketing. Was it contracted? Nope. I was young. He first got in contact with me when I was 17, 16 actually, and used my skills for years. And then when La La La dropped June of 2019, 2020, he just completely cut me off and hired the buddy that I introduced him to full time. To be clear, you're starting Baby No Money drama right now.

47:35I have a video on my platform calling him out with over 150 ,000 views. You are on a much larger platform, I am saying. This might start. That's okay. Alexander Gamuchian, fuck you. Sue me. See what you get out of it. I will say Baby No Money I like your music I don't know you I appreciated the few texts we've had back and forth Yeah I'm sure he asked you to use his music on one of your videos and not plan to pay you No That's surprising No no no He's been on a nice coffee hour Okay With Graham and Jack my pals So you know we talked about we were this close to filming financial audit then he had to film out the next day Young Gravy I can't say anything bad about Matt Okay good because he performed at my university he also planned coming on gravy's good we lost contact we never had any obligations with each other I did a lot like some stuff for him nothing professionally he brought me backstage like three times great guy I love Matthew Alex on the other hand not so much ladies and gentlemen you know where you love her financial audits lesbian correspondent I need a uh what do we call a financial audit lesbian score please zero to ten zero being the lowest ten being the highest on you okay I know I have a haircut of a lesbian woman.

48:49Yeah, a masked lesbian. Okay. And that. You sucked a couple of... Okay, well, I will... Oh. I've had two dicks in my mouth. So this is more like a gay quiz. I've been inside two men. You've been inside two men? Yes. But it's a lesbian. But I am straight. I've had to figure it out. You've been inside two men, but you're straight. Yes, I didn't enjoy it. It was honestly the worst thing ever. Were you hard? Not really. Take me through that because you went inside one man and you were like, ah, give it one more try. Well, yeah. I was like, you know, just because the first bite's not that good doesn't mean the second bite can't be better.

49:18Yeah. So. Okay. What kind of car do you drive? Alexis. V8. LS460. Do you like going to hardware stores? No. Oh. Do you have any tattoos? Yeah. Okay. Like seven. I'm trying to think. Have you watched Carol? Oh, the Netflix animated series? Nope. Nope. I'm not. Yeah, no, he's not a lesbian. What's the score? It's really not the animated series, Carol. Two out of ten. Two out of ten. Ladies and gentlemen, if you want your Hammer lesbian score, your Hammer lesbian score, go to CalebHammer.com forward slash lesbian. I wish I would have scored higher on that. And how much does Baby No Money owe you?

50:08The thing is, there is no way for me to give a number of how much he owes me because we never had a contract. What's the range that you thought you would be owed? With what my service was and what we accomplished together over those few years, I would say at least in the range of a few thousand dollars. You know, traveling to these events for him and actually, because the real reason he put me backstage for a few of these events is because I had such a large TikTok platform. He wanted me to promote backstage content. Yeah, he collaborates with creators all the time. Yes, but this was on top of what I was doing for him with the meme page marketing.

50:37I was actually putting him in contact with all these very successful meme pages that he had no contact with at the time because he was a nobody. This was before the Recess album dropped. I like his music, but I honestly do not know this. He was only getting a few thousand streams a month. He was beginning, and I saw the potential in him. And I taught him the method he uses to this day, which he was supposed to stop when he got the money for it. But the method I taught him was just leech. out to these DM, DM these meme page people with large audiences and say, hey, I'd really like for you to use my music in a video.

51:08That's not leeching. That's what everyone does. Well, he would tell them that eventually he would pay them. I'm not the only case. There's people posting about him now as well. These streamers that are talking about his failure to deliver on his promises. And as soon as you ask him for any money, he cuts your contact. It's a big drama right now. Not gonna lie. This will probably be online. Well, this will be online, but this will probably be... I'm hurt, I'm not going to lie, because we had a really good connection. So put a number to it. 20K. 20K. For the success that he garnered. That would pay off two-thirds of your debt.

51:40That would pay off almost everything. It would change my life. And it's nothing to Alex. And I know he might sit here and say, try to deny. You don't know his finances. I know it's very good. Oh, I'm sure he does well. It's very good. I know that he had made. How good? How well? I know La La La alone in the first year of it being out made him a little over 1.5 million. Okay, but after taxes. But that's just the first year of it being out. And that's one of his songs. He's got many songs that are almost on the same level of success as La La La. What's La La La? La La La, when I popped off and your girl gave me that one.

52:14The one everybody knows. Oh, I like that one. Yeah, I had it before it came out. I was one of the people he trusted with that song. Is BB No Money, who you stuck it in? No. No. And I will say the funniest thing, the first message he ever sent me was, what the f***, you're 16? Because he didn't know. And it wasn't, I'm not saying anything bad about that. I'm just saying he was unaware that I was as young as I was because of what I knew and what I had accomplished at the time. Okay. And Matt put me in contact with him. Gravy. Matt? Oh. Yeah, we became Facebook friends, me and Baby No Money. Wow.

52:46Yeah. And we had a very close connection for about three years. No. I don't know how to poke. I never poked anyone on Facebook. because I thought that was a MySpace thing. Sorry, I'm 23. Anything else you want to say on that? Because this is all going out there, so this is the time before we move on. I'm willing to have a conversation. With him? With him. If he would actually get back to me, but I know he's seen my videos talking about it. He's blocking you. That's okay. No, is he blocking you? No, I'm not blocked. I've seen him. You've texted him. I've mentioned him in my story directly calling him out a few times, and I think there might be a DM in there.

53:18You haven't tried to contact him. I have tried to contact him. I emailed him before asking him to reach out to me. Nothing. I reached out on other social media platforms. Nothing. And then I made the, and then I resorted to the videos, which one on TikTok got like a hundred thousand views and one on Instagram got like 150 ,000 views directly calling him out for what I have just told you with proof, with evidence, you know, with our, with our messages, with me backstage with him. I wish I had more, but you know, being in the relationship I was, she went through my camera roll and deleted everything from before 2021 because it wasn't, you know, she didn't know me at the time.

53:50So she's like, you have no reason to remember any of this. Maybe we'll look at those messages and posts in the post show. I need to get, I want to get back to the finances. Less of the drama. $10 ,627.90 with a minimum monthly payment of$357 on your Chase Freedom card. How long does this take to pay off if you make your minimum payments only, which is all you do, and don't purchase, which you purchase? I think it's like 24 years. 22 years. 22 years. That's insanity. I'm aware. Most people can't say that. They'll just be like, I don't know how long. Yeah, you're aware, which almost, I would argue, is potentially worse because it's not ignorance.

54:31It's actively choosing to fuck yourself over. And you're saying you're marrying this girl. You're going to fuck her life over. Okay? And she's not the breadwinner. She does okay, but she's not the breadwinner. I think it's a thing of self-destruction. I've always kind of pursued that. Not in like a suicidal way. Just like it just feels good to struggle for some reason. In relationships, in friendships, in career choices. What are you talking about? What kind of coat is this? I don't know. What feels good? You like getting choked down? Yes. Hey, yo, what the fuck? Okay, so you're sub. Masochist.

55:05You like being sub in life. Yeah, I like to get f***ed by life. The Burlington Coat event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good. We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Life is choking me out every day. It feels great because it feels like I'm suffocating with the debts I have.

55:42Great. you like it why would you want to change it then that's because i don't actually like it externally i like it makes no sense exactly this is what you're saying makes no sense to me that makes no sense to me either this is something i've struggled with for a long time that i'm just like why am i the way i am i've talked to psychiatrists i've been to therapy only thing they've said is just oh take this medication and i don't want to do that why would i want to do that and i'm already on albuterol for the rest of my life blood pressure medication the rest of my life, Adderall. What? Why blood pressure?

56:12So my debt originally started because of my heart problems. I had potentially pulmonary hypertension, which is high blood pressure within the lungs. And I was in and out of ERs, hospitals. I was having heart palpitations. I thought I was going to stroke out at a very young age because I was struggling with substance usage at the time, but no longer anymore. And now... Oh, well, that's why. Yeah. What was your substance? I didn't know at the time what they were pressed with, but it was f***ing f***ing f***ing. Yeah, and I was taking a long time. Throughout 2019, 2018 to 2020. Oh, you were young.

56:45You were really young. Yeah. Yeah. And when you have that plus a surplus of income coming. Oh, I didn't even mention the meme page money. I was making like$300 to$500 a day from promotions when I was a meme page called. But why did you stop that then? I got banned, which is why I learned how to get people unbanned. Yeah, that would do it. It's Taco Bell, Sonic, Chick-fil-A, Chick-fil-A. You're a bad gay. Planet Fitness is okay. And then Dunkin' Donuts, and you've had a late fee this year so far, so I don't want to f***ing hear what you said earlier. What do you have a late fee? Late fee. On what?

57:17This card. Chase Freedom. That's new to me. You're teaching me something. Exactly. And that's why I always make sure you extra confirm at the beginning that you haven't had a late fee. That's surprising. Because they're almost always in these conversations. That's surprising. Yeah. I don't know what month it was, but it's been this year. Okay. That's very surprising. Why? Because I do, I know as irresponsible as I look and I act and I am, I do make sure that I make my payments. I pick up shifts if I think I'm going to be even remotely close to being short. I can work seven, I've worked 14 days straight just to ensure that I've got everything I need and I have a little bit left over as well.

57:54You know, because I do care about my credit history. I know that it's right now, but I know that there's something to be saved if I take care of my payments right now and then I actually pay it down over the next couple years. It's at a 28.24 % interest rate. You're just spending so much money on bullsh** here. I know, and the food is explainable. It's because I like to feed my girlfriend. It's not her fault. You can't cook? I do cook. I just don't cook enough. Well, cook more. Meal prep, especially. Use the budget-friendly cookbook. Like, what are we trying to do, right? Yeah. And you feeding her is going and getting Dunkin'?

58:26Yeah. Taco Bell, Sonic, Chick-fil-A, Chick-fil-A. Other than Chick-fil-A, the rest of it is honestly just kind of shit. It is shit food. There's not a lot of options in Michigan. I'm from Michigan. It's a literal lie. I'm from a smaller town. You're in still a major city. I'm not that close to it. You're in deep suburb. In the motherfucking suburbs with it. Raw, bing, bop, bop. Hey, yo, Terry. Fuck going on? Hey, how's it going? Yeah. And we have, like, checkers. We got Coney Islands, which are all fucking nasty. I know where you work. That's good food. Well, yeah. You'll see a bunch of those on there.

59:02Idiot. That's the one thing you didn't want to talk about. Unless you're okay with it being there. I'd rather not. Okay. Leave it. People already call where I work. Stop it. Oh, well. Yeah. Well, they probably will again if they. I don't care. My management already knows. So it's nothing. I probably don't give a fuck. Well, that's the thing about restaurants. They hire everybody. They hire, like. Yeah. You got to have a major criminal history. Who do you think's in the back? They're fucking degenerate. Not where I work, but in the past where I've worked, the dishwashers were convicted sex offenders.

59:31They hire everybody in the restaurants. Oh. Where I work now, my co-workers are great. I love them. Hi, guys. Oh, okay. You're making me do this right now. What was that? A tum. I know it wasn't a mint.

59:53That's not a bad breath dig, either. That's just, I know you... No, why are you so parasocial? How do you know I hate mint? Oh, gee, I don't know. I have no idea. Just a thought, I guess. You don't want to f*** me, do you? um no I don't think I do I couldn't take the hammer it's exit only like I said you know you don't strike me as a bottom I wouldn't be I mean you put this on maybe but I don't think so again to clarify into women it doesn't matter but um listen here big guy instead of the Dunkin Donut you know what's a little interesting about this because we're in the drama thing here. This is your little gamer subs.

1:00:37You can give her this. This is your free sample. You guys can get free samples below. The link below. But the reason I'm giving you this well you know why. Is Schmitty behind that? This is Charlie. Charlie. BB No Money's friend. Oh, Moist Critical. Yeah. I know they love each other. I'm a piece of s***. He's really close with people that actually benefit him. So that makes sense. Well, dude, business, come on If Charlie got banned tomorrow, you wouldn't be friends with him Well, here you go, give her this instead of Dunkin' It's 25 cents a serving instead of stopping and getting your$4 energy drink Link below, best drinks, you get the shaker, this is what I'm doing, I have mine I will use this Yes, you will, it's good I also have a Keurig maker And you can also get free samples to test them out first I don't have to have Dunkin', I've got a Keurig, I just, you know Honestly, Keurig's probably better than Dunkin' Dunkin's not that good No Okay, such a distracting conversation What is this?

1:01:29What am I looking at? Is this a firm? Is that my firm? Yes. Great. That is... What's going on with this? Primarily Walmart, I'm pretty sure. Amazon, Amazon, Walmart. Yeah, Amazon... What's the 1260? 53 from Amazon! That was recent. Yeah, it is. What is it? I needed to furnish my place. I didn't want to have a bare bones house. But you can. Do you guys live together? Yeah. But you can. Yeah, well, I wanted a furnished place, you know, for content purposes. For content. You're moving out. You're leaving. You're trying to get to Dallas. Yes. So why? And then the Amazon 597? More stuff for the apartment.

1:02:07House. Sorry. And the Walmart 205? That was our TV that I first got when I moved to Michigan and a pair of Skull Crusher headphones. You are a emo freak, aren't you? No, I look like bass. Is Skull Crusher emo? Is that what I'm hearing right now? Oh. That's very emo, guy. You serious?

1:02:32Are you serious? I mean, I wouldn't even consider myself emo, so this is... Look at you. I like dark aesthetics and my chemical romance. I mean, come on. Let's be honest. You sat at the freak table in high school. Actually, I was extremely popular in high school. Yeah, but you sat at the freak table. I was most likely to be a celebrity, and I was class president, junior and sophomore year. No, I'm not saying you weren't popular, but you probably sat at the freak table, because look at you. Well, I made the freaks. I got people out of their shelves. out of their shelves. Okay, yo,$2 ,063.41. What's your minimum you're owing on a firm?

1:03:04The big one, the$1 ,200. Just all of it. In total, I think$220,$240 a month. $240. Pull up your Amazon for me right now. It is up. One of my recent orders. And start a screen recording. We'll black out private. You want it? Give. Selfie stick so he can record himself getting pegged. We love it. There's a video card, professional carpet cleaner because he pisses everywhere, like a bad boy. That was for this. Cloud sectional, LED. What content are you even doing right now? The smart lights, smart lights, foam mattress, blankets, pots. Some of this isn't the worst. We don't need the lights because there's lights, there's lights.

1:03:45You don't need the side tables right now. You don't. The TV stand, that's okay. Comforter, that's okay. Bedsheets, that's okay. You didn't need a high pressure handle for your shower. or didn't need, you didn't need the mirror. So some of it's good, some of it's bad. The mirror was a necessity. How am I supposed to take shirtless furry pictures without a mirror? So we're still doing that. Well, the thing is, so I don't do nude. What are we trying to do? I'm not nude in my own life. I'm not naked. I don't do that anymore. Yeah, but you're also not making much money. No, like, I think I do like$250 a month from the only place.

1:04:18Right now, I've got like 36 people on there. I don't promote it. Our subscriptions, CapCut, Gmail. iCloud Plus, Insta360, Instagram, and PixArt. Yes, all those, I can't get rid of any of those. Wonderful. No, it pays for it with the social media stuff you do. It's just not great. But it's fine. I just wish the social media brought in more money. I don't necessarily like online products unless you really, really, really want to do it. I just don't like when people fall into it because they feel like they need to do it. That's kind of where I'm at right now. What, need or want? Need. See, I don't like it.

1:04:52I don't want you to do it then. Well, I don't want to do it necessarily either. Then I really don't want you to do it. Here's the thing. This is my just, where I work, it is extremely labor intensive. And missing one day is me losing 300 bucks or 200 sometimes, whatever. The only to me is a substitute to being able to take a day off. Because if I lose$300 for a day off, I get it rebacked from the only. Is that worth it to you? For my physical health and my mental health, a little bit. It's, it's, I'm hoping if I decide I'm going to stick with it, that it can make a little bit more. but I'm really on the borderline of just quitting it altogether.

1:05:27It's not something that makes me happy. Good, then quit. But it's something I do feel a little drawn to for financial assistance. Oh, for financial, then quit. Quit. Okay, what's con-la-fi? Co-alify. Yeah, co-alify. What's that? So that was going to be our coffee table and side tables for the living room. More furniture. And a dresser for my bedroom. Really, your furniture right now is a lot of your debt that's preventing you from going to Dallas. The furniture for Detroit is literally preventing you from moving to Dallas. Yeah. Now, how stupid that is. Very stupid. And also, why Dallas? I just don't get it.

1:06:00Out of all the Texas cities. Well, it's not going to be Dallas. It's like when you live in Frisco, you're going to tell someone from Michigan you live in Dallas. You're going to live in deep suburbia? Even worse, you're going to kill me? No, I don't want to live in Frisco. I'm talking about, like, I'd probably be... No, but if not in Dallas, you're going to be in a deep suburb. Yeah, I like suburbs. 20-minute travel to Dallas, where all the money is. 25. There's dealerships all over Grapevine. Oh, for dealership life? Yeah, if you want to live in a car infrastructure place where it's depressing to go outside, then yeah, that's a good place for car dealerships.

1:06:26There's just a lot of movement is what I'm looking for. I'm looking for the ability to move up. Movements on highways. Yeah. My city traffic, but career paths is what I'm most focused on. Ah, that kind of movement. $878.34. What's your minimum payment? Oh, it's$21.43. Yes. Is there interest on this? If I don't pay it within 90 days, yes. 90 days from when? From now? From when? From a month and a half, two months ago. We just moved in. We only paid rent once. Two months ago. That's a month and a half. So a month and a half from now. We're halfway through that 90-day period, yes. Oh, is it back interest?

1:07:00It's bad interest if I let it go. Is it back? Is it accruing already and then it hits? No, it doesn't accrue until 90 days. And then it's the total of what I have left over. Total you have left over starts accruing interest. Yes. And it's like 100%, some crazy f***ing number. Like progressive leasing. It's predatory if you can't pay it off in 90 days. Okay, we got to prioritize. that. Hi, Alyssa in here, Financial Audit. I've curated the exact resources and tools I personally use or would use if I was in certain situations. So take advantage of these offers in the resources section in the description below.

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1:08:52Well, when I was released into the public, into freedom, when I got apart from my relationship, when I was back in real life, because I wasn't allowed to go out, I wasn't allowed to have a social life. When I got back into the world, I didn't have a job. I was using my credit cards to stay afloat, Quicksilver being one of them. But I think the Quicksilver was already mostly maxed out when I first came into Freedom. I think the Freedom card kind of saved my ass. This is insane. This takes eight years to pay off. Just this alone. With a$39 minimum repayment,$25.88 of interest is accruing. You have to be spending money on here or else this would get lower at some point.

1:09:31If it's been maxed out for years, you are spending money. There's no other alternative. I'm spending money. I'm spending money that I don't need to be. I mean, I just got this two weeks ago. This hoodie. Oh, the email one. Didn't finance this. I bought this. What is that? Cash. This is... What did you spend going out to eat last month? Probably$800. It was$800. Dude, you're still... This is what pisses me off more than anything. You're knowledgeable. I know. You're a douche. This makes no sense the way you're living life. You have a goal, but you're doing... It feels like anything and everything to not go to the goal.

1:10:04I feel like I keep moving the goalpost. I'm sure we'll get to that spending here soon. 30 % interest rate on this. Okay, Capital One, Platinum. That was my first credit card. Oh, wonderful. What's going on with it? You're spending, I'll tell you that. You're spending on a card that is maxed out, that is accruing interest, that you are not able to pay off on a monthly basis. Why the f***? Possibly why? So when I use that card, or when I actually really any of my credit cards, I typically have enough in my checkings account to buy it outright, but then I think, well, why drop myself low when I can just swipe my credit card right now and still have$900 for any emergency things that might pop up.

1:10:39You're losing so much, though. This takes three years to pay off if you don't even purchase, dude. If you don't even purchase. And it's just raising canes. It's nothing that's even necessary. If it was an emergency, something like you're talking about, like that shouldn't be being taken away from your checking account anyway, okay? It shouldn't be because you're trying to get to your goal. And you don't get to your goal by spending$35.50 on raising canes,$800 out of a month, going out to eat. You make a good income. we can pay off this debt in a reasonable amount of time. You're set up for success, but you refuse.

1:11:10You refuse in every way possible to get to that success. Well, I've got financial anxiety. You act like a child. Well, yeah. It's like financial anxiety. What? Wouldn't it be the best way to get from anxiety? Avoidance is usually what happens in anxiety. So you'd be avoiding spending money that is preventing you from having financial security if you're anxious about it. Well, I would rather see liquid in my checkings account than see my balance go down for some reason. I'm trying to like get out. No, it doesn't matter anyway. You wouldn't have been spending Raising Cane's or$800 of fast food on your checking either.

1:11:40So that is not a valid excuse because that wouldn't have been spent regardless of where. Well, it's the small payments. Like Raising Cane's, probably$30. If I have$1 ,000 in my checking account. $1 ,000 at Neiman Marcus yesterday. That wouldn't have been checking account. That was stupid. But the Cane's, I think of it as, okay, it's$30 right now. But then I do it again the next day. Oh, it's only$20. And then I do it the day after. But you know this. You know this. You're saying this right now. You know this. You know it. It's a cycle, a vicious cycle that I am struggling to get out of. Does it help that I've never had financial assistance my whole life and I've been independent since I was...

1:12:11You, I never had... Well, financial assistance in what way? Education or just money? You've made$20 ,000 before we've... Before I even could even conceive of that kind of money in terms of age. I've never had help. My parents have never given... Like just advice, like saving, investing. No one does. I feel like that's not true. I feel like a lot of people have families that show them what to do. There's no one I know that got financial advice. My financial advice was open up a credit card and max it out at 18 to get a piano I wanted. What the f*** are we talking about, buddy? That is just such a cope for you excusing you being a dumbass with raising games every day.

1:12:45Because my friends have had financial help. They've had their parents walk them through opening a 401k. Well, that's good. They have great parents. Still, this doesn't excuse you going to$1 ,000 and even markets yesterday. No, that was stupid. Yes! Don't regret it. I will, but not right now. I don't regret it right now. I will regret it, but not right now. What? That doesn't make sense. Because if you don't regret it right now, then you're going to go do it tomorrow again. Just like you did with Raising Kings yesterday, then today. I won't. Yes, you would. If you do not have remorse, why wouldn't you?

1:13:11My buyer's remorse takes a little bit to kick in. Longer than most people. But if you don't regret it, then why would you not purchase tomorrow again? Well, because yesterday I was like, you know, going out with a bang. It's like if you're going to have a last party ever, a last hurrah, might as well do it right. And that was my kind of justification for doing that yesterday. No, because that never works. That never works. That's what people do with their diets. That's what people do with their drugs. that's what people do with their drinking. That never works. You're just continuing to fuel that dopamine release that you are getting.

1:13:38And apparently, you're out there just spending like 40 bucks on vapes constantly and then giving them to coworkers as well. What, underage? No. No, no, no. So why? Because I don't like to own one. I don't like to own one. You don't have money. I'll get one for like a night if I know I'm going to be with friends or if I'm going to have a drink and then the next day I go to work, I'll be hitting it and I'm like, I don't want to own this because then I'm going to hit it when I'm at a house and all that and I'll just give it to someone. I'll be like, who wants it? And I'll put it up. Whoever grabs it first.

1:14:01Oh, your generation sucks. With their addiction to vaping. It's insane. I don't have one on me now. I thought we were over the nicotine addiction. We were on that downslide and then you guys just went... Well, I've got no nicotine on me now. I can go weeks on it without it and then I just pick it up for a couple days and then stop it again. Well, there you go. I mean, that is still that. It is money. Okay. I don't even know what this is. This doesn't even have a brand on it other than the W. What is this? Well, Westlake Financial. That's my car payment. Okay. The Lexus. This is your car? Yeah.

1:14:36Okay. Okay, very good. Car, this doesn't make sense. You have$9 ,764.57 to pay. You said you had a$15 ,000 car but put$10 down. I got a 10 % interest rate and a$3 ,500 warranty. No, that's still math doesn't add up because your interest rate wouldn't make your balance go up. Your minimum payment will always be enough to make it go down a little. Maybe it was$16 ,000. Would that make sense if it was 16? 17, maybe. I know, because it was listed. Unless you looped in taxes and everything too, probably. Probably. Good. What do you think it's worth? I'm in positive equity. I know that. I know that I could trade in value at least 11.

1:15:08Yeah, it's right around there. 11 to 13, 13 private, 11 for trade-in. So barely positive, but in a way that kind of works. What I don't like is the 10 % interest on this, because it's just like, you're not beating it. At the time, that was low. You're not. At the time, that was very low. I was a salesperson. Very low what? As a used car salesperson, a 9 point whatever percent interest rate was very low for 2012, which is why I jumped on it, especially with being a first-time buyer. You wouldn't get it. Also, I see people get low rates all the time on this show with worse finances, so I don't know what you're talking about.

1:15:34I don't know. I was seeing 15, 20, 25 % everywhere else. People are getting subprime is like above in that 20%. That's subprime borrowers. Well, prime used to be 6%. Yes, and so a 9 % on a 2012 used with almost six figures of mileage. It was a little over 9. It's like 9.5, 9.6%. Okay, you're not beating the market if this money was just in the market, though. It made sense to me at the time as a first-time buyer, putting as much as I was putting down, low payments and a low term. I'm happy you have an equity position. I do have an equity position already. But it's just the rate I really don't like.

1:16:04Why haven't you tried to refinance then? My credit's f***ed. Has it been f***ed the whole time? No, it wasn't f***ed up until about six months after I bought the car. Because I had bought the Lexus, breakup happened like a month later, and then everything went to s***. Maxed out the Freedom card within a span of two months. You have to get new tires right now. I do need new tires, yeah. egg time. What's that going to cost? $600,$750,$750. How are you paying for that in your mind? Credit card? Well, okay. I was approved. Because they were afraid to take it from our checkmate. I was approved for a finance line for it, but I'm not going to.

1:16:34Is that what we're going to do? No. Constantly. No. No, I'm not going to. I'm going to make sure I have the money for it. You know, my main's picking up a few shifts to have a little bit of spending money. Dude, you should pick up every shift in the world to pay off all this debt and budget it out and then you can move to Dallas. I would love to, but I walk at least six miles a shift, I get beat the f*** off after a week of work. But at year 23. Yeah. This is time to do it. Yeah. This is time to do it. I'm young. I'm young and bold, but still, it's a lot on the body. Dude, you can do it. I don't want to hear it.

1:16:59Come on. You can do it. I'm happy to hear my equity position is a positive for you. It's the first positive all day. Other than your status, right? And the status. What status?

1:17:12Is that all your debt? I don't think so. No. What else is there? We're missing the 11th. Did we talk about the almost$11 ,000 credit card? What? The Chase Freedom? Yeah. Yeah. That was the second one. Is there another one? No. No. We got through the Quicksilver. Well, there's the apartment debt. Yeah. So what is that? $9 ,000? $9 ,500. $9 ,500. Okay. That's insane. That was from eviction fees, late. Oh, there's a Best Buy. Oh, yeah. The Best Buy credit card. That's a - Pull that up. I can't. I don't know how to. I've never - What do you owe on it? $1 ,600,$1 ,600, something like that. I bought my girlfriend an iPad so she could pursue a drawing career.

1:17:55You brought your girlfriend? Is that even you? Yes, not even me. I bought her an iPad so she could pursue a drawing career and an Apple pencil. She makes money from it. She makes like a couple hundred dollars a week from it. I got a Ninja smoothie and whatever bowl maker, and then I got an air fryer, and then I got some microphones that I needed that I used all the time. I think that's it. almost bought the 360 camera on it, but that ended up being... $1 ,600. What's your minimum monthly payment? I don't know. I called them and just set it up and told them to put the auto pay on. I don't know.

1:18:31I've never accessed that account. I guess it's like 50 bucks. Yeah. But you say you're making your minimum monthly payments forever, and we know you had a late payment this year so far on one of these that we already looked at. Which is a shock to me. I didn't know that. Yeah, but that means I don't even think you might know if you're even paying the best buy one. I am. I know that what I am. How do you know? Because I haven't gotten any angry emails from them like I did the first time. Because the first time I used it, I didn't set up the auto pay. I just kind of assumed that it would already do that for me, and it missed a month.

1:18:55Then I knocked it out, paid it down to zero, and then I let it rack back up again. Oh, you got medical collections too? Yes, from all the hard stuff. Oh, when was that? Oh, that started in 2018 and then went until about late 2022. It wasn't up until recently that I was reassured. What do you owe? I don't believe it is owing because I'm not giving them anything, but I think it's in the$30 ,000 to$40 ,000 range. You do owe it at a f***ing credit. Probably$30 ,000,$40 ,000. I'll say$35 ,000. Now, listen, I get it, and that sucks. You can usually get on a payment plan at the hospital. I would rather do that.

1:19:31This sucks, okay, that you have that. I'm glad you're alive. You're willing to f*** your entire credit for a long time? Well, it hasn't affected my credit yet. My deductions are not from my medical debt. It's not on your credit? No. It might be soon. A court decided that it can be now. It's been years. I know, but a court's decided it can be now, so it might. If it hits me, it hits me. I'll figure it out, but it's something that I had no choice. If it doesn't, then you're right. I also don't care about it. I had no choice. I know you didn't have a choice. I'm not saying like, woo-woo, I'm glad you have this.

1:19:58I'm just talking about the impact on your life. Well, the thing is, it ended up being a misdiagnosis. So all this money I ended up spending on everything was totally for nothing. I had waited almost two years for the right cardiologist. How was your insurance? I had none. I needed to get a cardiac MRI, and up front that was$9 ,500. I couldn't afford it. Bullshit. Well, I could have, I just didn't want to. Yeah, I was going to say, one, either you can afford it, or two, it'll be completely subsidized, and you'll get essentially free health insurance through the Affordable Care Act. I do in Michigan.

1:20:28I get free health care. There you go. Right now, you make money. Why the f*** would you have free health insurance? You gave me Medicaid. That's disgusting. You should not be subsidized right now. You make good money. But we offer no health care through where I work. And I'd rather not pay anything. That doesn't matter. You can afford it. Why should you be subsidized to the taxpayer while you net, while you net a loan, 74 ,000 hours a year net? 100 gross probably. That does fluctuate though because the$500. We gave on average. Okay, yeah. Yeah. I just, I have things I want to spend my money on and I feel like I can't when I'm paying for things I, like medical debt, like medical insurance.

1:21:05And it never even helped me in the first place when I did have insurance because Texas' insurance plans were so stupid. No, that doesn't make any sense. You just have to get the insurance that aligns with, one, your medical needs, two, the hospitals you go to. Do you know how much I would still pay with insurance? Depends. What insurance do you have? Because your deductibles can range. It was Blue Cross. Still, there's plans within it where your deductibles are higher or lower, minimum payments are higher or lower. Well, I was still paying for my prescriptions every time I wanted to go pick those up.

1:21:31Exactly. It also depends on your plan. I was still paying for fat chunks of ER visits and all that. It also depends on your plan. Yeah, so it didn't make any sense to me. I was like, I'm accruing that anyway. Depends on your plan! I don't have health insurance knowledge. It's like one of the worst things I'm at. Yeah, but literally it's very descriptive on the website. Healthcare.gov. It wasn't very descriptive for me. I told it everything I needed. When I lost a job once and got very nervous, even though I was making money, I went on to healthcare.gov and I signed up for it in an emergency fear way.

1:21:58I didn't end up using it and all this stuff, but I knew exactly what to sign up for. It was so easy and it took like 10 minutes. I thought I knew. I put everything in. I told them my pre-existing medical exam. Don't make me the person defending our healthcare system because our health insurance is insane. But come on. There is a little bit of accountability here. Well, yeah, of lack of knowledge. And then you, and that lack of knowledge, you just have to read the description. And two, you should not be subsidized netting 74 ,000 hours. Well, this was new. I applied for Medicaid when I first moved to Michigan unemployed.

1:22:25They allow someone to move into the state. I was in Michigan for less than a week. And immediately claim, hey, I need money. Yes, I got Medicaid within the week. That's kind of insane. Molina Healthcare. Immediately, as soon as I moved to Michigan, there was no hesitation. They had sent it to me that week after. That's really insane that we're just like, hey, please move here and let's support you immediately. I'm blessed. I mean, I know I probably don't deserve it, but, you know, my medication is expensive. And when I go to the doctor, you know, for asthma reasons. By the time your episode is coming out, I'm talking to Governor Whitmer in that chair.

1:22:55I'll take advantage of it before. I'm going to have to call this out. I'm going to have to ask her, why the f*** are you paying people to do it? I guess they want more people to move there. Yeah. Maybe that's why. Well, hopefully Michigan's on a come up. I don't really know anything about their economy. The charge is technically slightly increasing. First time in decades. Okay, no more debt. I don't think, right? I don't think so. 293 in our checking account started with 60. That's what we're trying to protect? Yeah, if we don't have any money, I guess. Apple Cash sent out who knows where. You went to Texas.

1:23:27Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. or this tea time you, or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. This roadhouse, you cash out, it's out$25. Wendy's. Oil, that's fine. Probably an oil change or something or maybe gas. Apple cash sent out. Chick-fil-A, McDonald's, Paris Baguette, Apple Cash, Party Store, KFC, Apple Cash.

1:24:16You send a lot of Apple Cash out. For what? Usually when my girlfriend will buy me something or she'll like... Well, stop. We can't do that. You just can't do it. Well, she's also in charge of our... McDonald's, Starbucks,$5 from the gas station. What are you getting? $5 from the gas station. $5 from the gas. Doubt it. Yeah. Really? I can't think of anything else. I don't buy alcohol. I don't buy cigarettes. Snacks. There's drinks. Maybe I got a Coke Zero. There it is. Again, dude, gamer subs. Use it. 25 cents a serving instead of your stupid$5. It's just like making coffee at home if you want your sweet treat that way.

1:24:55You shake it up, and it's 25 cents. Is there caffeine in it? Caffeine free and caffeine, depending on what you want. I do caffeine free. Okay. Because I do coffee for my caffeine in the morning. Apple Cash, ATM with Raw, McDonald's, Cash App, going in and getting some bullshit, Chick-fil-A, Prime, Bob Evans. Haven't f***ing heard of that in forever. Who goes to Bob f***ing Evans? I do. It's good. Sonic, ATM with Raw, Starbucks, Me6? My Discord. I pay for a bot that moderates it for me. How many people are in your Discord? 1 ,100. Why? Lady Jane, Apple Cash, Pizza, Taco Bell, DoorDash, AppleBill, Panera, going and getting some bulls**t, McDonald's, McDonald's, car wash, it's not even the wintertime, f**k you, you don't even need it right now, Chick-fil-A, Lady Jane, AppleBill, brew, like some brew ligands, Cash App, HomeGoods, going and getting some bulls**t, AppleBill, Blue Margarita, getting some bulls**t, Wendy's, Arby's, Touch Toons, Drink Salon, Fort and West Foo, Lemons Concessions, Bog House, Amazon, getting some bulls**t.

1:26:08Again, 25 cents. Big d**k. There you go. You stopped inside. $3 there. Again, 25 cents. McDonald's, Swirl Tomatoes, Pizza, Amazon Prime, Bath and Body Works, Marshalls, Panera Bread, Buffalo Wild Wings. Winning. Got some bulls**t. Scoops Ice Cream, Lady Jane, Spotify, and Pull Factory. Pull Factory. I don't know. Pull Factory. Oh, Puff Factory. I don't know why it says it's a vape place. Savings went down from$625 to$310. Well done. Winner. Chicken dinner. Bunch of chicken dinners on there, actually. Let's see if we can budget this. It's going to be interesting because I want you to get an idea.

1:26:54I want you to be able to move to a place that I don't understand where anyone lives, but a lot of people do. I mean, I love Dallas compared to Detroit. It's way better. Yeah, everything compared to Detroit, of course. I saw you're wearing a Lions jersey. Oh, yeah, I support my home state. Austin FC here, Lions there. I'll probably support, like, New York basketball or something. Who knows? Okay, Neiman Marcus,$40, then$357 for the Freedom card, Then$240 for the Affirm. $21.43 for the Qualified. But we got to, well, actually, I'm not freaking out of paying that off early. If there's not any back interest, we just need to focus on smallest debts first.

1:27:37Quicksilver,$39. Platinum,$25. Car,$258.92. Best Buy,$50. And I doubt you're not on a payment plan for the medical, correct? No. Your debt minimum payment is$1 ,211.35. What's your rent or your portion? $4.75. Detroit, ladies and gentlemen. For a house. Utilities? Probably another$150. Does that include any internet? $200. $200 for internet? $200 for everything. Oh,$200. Okay, for all utilities. Good. Phone bill? $112. Eee, you obviously owe on your phone, right? Yes. Because you got your new. When you pay that off, switch to helium if T-Mobile's good in your area. I know it is in Dallas, so you can do that.

1:28:19It's the budget-friendly. Same fucking service and everything, though. I've room for them drive, drive gas, because I know you're obsessed with gas cars. So how much? How much do I pay on gas? Yeah. I'd say$1.50,$150 a month. I don't drive much. Okay,$150, car insurance. Michigan, most expensive car insurance state? We'll say$200. You don't know? I'm on my dad's plan. Do you pay it? No. Oh, then we're not putting it in your budget. But I would like to have it in the budget because I'm getting insurance. Oh. I'm not going to be on this plan for very long. I'm off. Well, when? When do you have to start it?

1:28:53Probably next month. Oh, so$200. Yeah, so I'd like to put that in there. It will be expensive in Texas and Michigan, but Michigan more expensive. Oh, great. Necessary food,$300 is what you can contribute to the grocery pile. Meal prep, meal prep, warm up. That's it. $300 a month on groceries? I don't know if I can make that work. You can with math. But also feeding someone. No, that's what you can contribute to the pile. She can contribute$300 as well. Okay. $100 to the TP fund, toothpaste, anything else you need. toilet paper, all the good stuff. Medical health care co-pays on a monthly basis.

1:29:22Do you have that? Nope. Good. Do you have health? Yes, you do right now. You're on Medicaid, but you'll be kicked off come next tax season. In fact, this is someone who hasn't filed his taxes in three years getting Medicaid. Isn't that wonderful, ladies and gentlemen? Our country is so good at the way we do things. We're just incredible. Okay, subscriptions. What did you need for your business running? Cap cut. Just how much? 75. 75. I'm okay with that. Do you have any pets? Two cats. Okay. Ages and health. They're a year old each. They're cheap. They're very healthy. Very healthy. Do$100 in pet insurance.

1:29:57How much for cat food? 50 a month. 20 on litter. Anything else that needs to be in your budget that I... Oh, and then 20 on litter. Okay. Anything else that needs to be in your budget that I have not taken in account? Oh, no. You already got car note. No, I think that's everything. I mean, this should be pretty chill. You just don't know how to not go to Neiman Marcus like a dumbass and spend on fast food or going into a guest station and getting some bullsh** a single day. Yeah, the food one's huge. If I stop food, I could easily pay another$1 ,000 a month. $2 ,993.35 needed to survive on a minimum monthly basis right now in Dallas or in Detroit.

1:30:31Meaning, is that average? That's$6 ,183. Is that average a month? I think that might be a little inflated. Okay, then how much? Give me a full average. I would say realistically on a bad... Across everything. No, average month. $45. Easy. Well, that's very different. $45. Okay. We're going down to$4 ,500 now, but you still have a extra$1 ,500,$6.65 a month. Let's just call it$1 ,005. Yeah. That's if you actually budget. Here, let me give you$250 of fun, okay? $250 of fun. You budget that where you want. Use the DollarWise budgeting app. $1 ,250 is left over. Okay. We're not going to consider the medical.

1:31:11We're not going to consider the apartment debt. So your debt besides that right now is$25 ,313. Divide that by the$1 ,250. I mean, we pay that off in under two years, and then we save up more. Yeah, if the medical's not in collections, fine. We're not going to worry about it. I know they're hounding you, but until it shows up on collections, we're not going to care about it. It keeps going down when they contact me. It used to be like we won nine grand. Well, they're probably trying to settle. Yeah. Apartment, hopefully you save up an extra$4 ,000, and so call it a full two years total. You offer that over and over again until they accept it.

1:31:47Never give them access to your accounts, obviously. So two years to pay off your debt. Can you do two years to go to Dallas? Listen, you can move to Dallas if you sell your shit, move there cheap and live on the grinds. When I first moved to Austin, I slept on an air mattress for nine months. Listen, you're not going to do this as your girlfriend, but if you guys save up a little bit of money, move to Dallas, make more money, and you're able to net more in the end, I'm still okay with it. You don't have to do this before moving to Dallas. You just have to make the math make sense. But it's a two-year debt payoff process.

1:32:15Call in another six months to save up a fully funded emergency fund, maybe nine months, and you're fine. You can move to Dallas or not between then. Just make the math work. Okay. And I'll get you a course career certification as well if you want to find a higher-paying job as well. A lot of people in the audience have done that. I'll get you one for free. That's where we are. That's where we are, okay? And that's not that bad. It does. Use the educational products we get you. Sign up for the Dallas West budgeting app. You can do this, buddy. I give you$250 of fun and you still get to do this in less time than most people.

1:32:43All right. We're going to do more drama in the post show and I guess an extra weird finance thing that we didn't get to come up. But I'm going to give him a hammer financial score first. Spending a budget. Zero out of 10. You overspent. Debt. There's collections. Zero out of 10. Emergency fund. Took it down. Not even a thousand. Zero out of 10. Retirement. Don't see anything worth. Zero out of 10. Real estate. Zero out of 10. You thought you were a two? F*** you. Hammer financial score. Zero out of 10. Get yours at CalebHammer.com. And now click that join button. and see you an extra 20 minutes of this episode by watching the Financial Outer Post Show and three premium shows every single day, Monday through Friday, including Behind the Audit, Behind the Episode, Fat and Fatter, and many more.

1:33:20Love you guys, bye. I wanna see the communication you gave to Bibi. A lot of people not like him. Starting to shift that way. Is it? It's shifting because people are starting to realize he's performative. He's not actually what he says he is. Exclusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.