Financial Audit’s Most Special Guest

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26:33That is 888-Y-Re-Fi dash 78. And see how they can help you move forward with confidence. It's possible. I would say it's very possible. Let me see your phone. Pull up this statement. Did you fart? No, it's probably this guy right here. I know human farts. You say so. Maybe I farted. Myself There's two Selfs So Oh whatever Has the balance on it They both do Oh for fuck's sake You have to One at a time then No That's the previous one Do you enjoy trucking? Is that fun? I enjoy driving If you're ever home You can't form relationships No That's why I'm probably Not gonna have one next I'm gonna do it myself Okay I guess that fits With the The You're talking about 500.

27:26I see 1 ,880. That's the wrong. The other one. Okay. Pull up the other one. I don't know if the other one. We'll get to that in a second. 551 exactly. 45 % utilization. $26. What? I wasn't going to pay that off because I got paid today. But? But when I budgeted, I can't. What? Because you haven't come across the IRS debt that's supposed to come out. Oh, for f***ing sake, buddy. And the IRS debt is your ex's fault? No, that's my fault. So what the f*** did you open this entire dumb conversation with, dude? Are you f***ing kidding me? It's stopping getting some bulls*** at McDonald's, getting some bulls*** at Arby's.

28:16Really? We're going to f***ing Arby's of all the places that exist in this world? Taco Bell. What are we doing? It's all f***ed. Yeah, I know. I told you it was all food. Why do you accept this? Why do you accept this? Arby's, Taco Bell, U-Haul, U-Haul storage, moving storage. Got junk. My gosh, what are you getting rid of? I got rid of a couch. Whataburger, getting some BS, getting some BS, getting some BS. Baskin Robbins or Dunkin Donuts Wendy's Car Spa Massage Envy Car Spa was probably a car wash I'll be assuming

29:06I'm not gonna lie You have Happy Ending Massages written all over you Really? You think so? Was it? No Was it? It was not was it? It was not done at a non-massage envy location. What? What was it? Happy endings. They usually happen at other places besides massage envy. You know, the Chinese ones? I don't know. It sounded very happy ending to me. I don't know. That's your opinion. I guess, yes. That's what I was saying. Divine Nail Bar. Let me see them.

29:48Okay. That's worth 25 bucks? On a card we can't pay off? Okay. Actually, that was probably a pedicure. So it looks nice for the massagers? If you say so. I'm asking you, dude. Ah, here's the other self that we just saw. And by the way, the balance was higher on there, but... I'll just write what's on here, because... But what's the difference? A couple hundred bucks. $1 ,347.15. 17 cents. Minimum monthly payment,$26. Again, it was paid off, and then you f***ing purchased all that s***. Yeah. Why? That's way more than you could ever pay off. It's more than your rent that you complain about that he wasn't paying half for.

30:35Right. Just in your purchases, I'm f***ing you. So what was the point? I had a car that I sold. Oh, that's why I spent$1 ,300. What the f*** are you talking about? I had two cars at one point. So that's why you spent$1 ,400? What are you talking about? I had all the debt paid off. After bankruptcy? No. After, well, not all the debt, but out of all the credit cards, I had all of them except one paid off. When? September. What the f*** happened? Who are we blaming it on this time? Myself. Yeah Only because I've called it out so much What? What the f*** happened? That's just not giving a f*** And that is more important than actually a life-saving surgery for you?

31:23What's that? You spending, dude True That's you saying yes because it was a question Hold on Wow, you are in trucks way too long not having human conversation Yeah, that's how trucking is You are incapable of this really the only people that I talk to is customers like shippers and receivers yeah not very social sure and that's about it you have a dog? but you're never home he's in the company in the truck? he goes with you everywhere in the truck? is that a life for a dog? not being able to frolic? everywhere? he plays yeah when you stop Yeah, but every truck driver has a dog. Pretty much. It's not a very good life for a dog.

32:16Yeah, he's okay. He sleeps a lot. Because he's in a truck, that's what I'm saying. Yeah, but in general, he's always been like that. Haven't you only been trucking for three years? No. What were you doing before? I've been trucking since 2013. That's when I got my CDL. Oh, you dumb. Okay. Sorry. Yes, you've been trucking since the dog was born No Huh? He's only three You said 2013 is when you started No, it's when I got my CDL How the f*** long have you been long haul trucking, dude? Since 2013 I told you that I got my CDL in 2013

33:03Pay attention

33:08So he wouldn't know another life besides it No besides when he was born

33:16You dude Ho I need you to have phone calls with people So you can at least have conversations outside of I actually do have phone calls with people Hours on end Who? Friends that I've known since 2013 Or 2016 Okay I don't You don't seem to Be able to Comprehend questions And deliver the answers to them I was horrible in school I don't know if it's a school thing I wasn't the Okay

33:51Okay I wasn't the best in school either But I Well it's when you graduated With a special diploma Did you? Yeah You look a little down syndrome Maybe. Is that why? Possibly. Okay. I was born premature.

34:10Three months? Yeah. Actually, three months. I was supposed to be born in February. I wasn't born until November. Well, the first place you must have been was at Danny's because we can go in there every second of our life. Actually, it was oxygen for six months. And then a severe lack of it until now. Well, apparently I need to be back on it. You know, oxygen. Not the kind you breathe on it from a tank. Yes. Yes.

34:57Sure. All right. So, also going to the car wash on a different car wash, Sonic Drive-In Chili's Bumper.com. Bumper.com? I don't know what that is. What happens if I look up Bumper.com? I'm a little nervous. I have no clue. Sounds like a bottom-in website. No. I absolutely don't even know what that is. We're finding out. I guess we will. If a dick pops up, it's your fault Okay, it's a vehicle history report Oh, right Because my new car got hit by hail And I wanted to see if It had already hit The Corfax Okay I remember that transaction Chili, oh, that was before Mexican restaurant BB of Pearl Amazon Amazon, Amazon Blue Beacon.

36:00Huh? BB of Pearl, Blue Beacon. Oh, we're going back to that? Flying J. Okay. Pull up that Amazon. Let me see. Let me see. There's actually a lot of purchases on there. One of them. What? It should be on that one. Great. I love when they're able to deliver to us on a highway. What's that?

36:28Can someone help me here? I'm alone in this. He's not involved either. Where's the orders? I'm not sure if that's what you wanted to see, but... Do I have to bring in the translator for this again? It's been a second. Dog grooming kit, yeah. His lots of purchases are four. Baby clothes? Huh? Babies. What about babies? That's what it was. That should have been my last transactions. No. It's dog grooming.

37:09Babies. Is that not on there? No. It should be. Hibbit portable bidet.

37:19There's nothing wrong with a bidet. You never used one? A portable bidet. Hey, it's better than these. You're taking places. There's better than some of these structures.

37:30They'll grab water bottles out of the cooler and shove it up their ass. Uh-huh. Okay. Well, no babies. Should be on there. They're not. Babies are gone. I was, uh... I don't know how those transactions are on there. I had a dream of yours. No. Not mine. It was my ex's sister. She had a baby. When? You know, I'm looking at recent history, right? Three months ago. Okay, let's bring in the translator before this guy starts talking about oxygen tanks again. All right, Brandon, we brought you in. You're looking a little thuggish today or something. Oh. Handsome. You know, he's a big fan of yours. of me he knew you i never said jim oh you're like i know oh brandon brandon oh from the previous episode right yeah he must know you're from the membership content or the previous translated and you must know i'm gonna need it again because he just drops things you must know you severely up if i'm here yeah listen i'm lucky enough to be able to tell you this and i wish i had all the resources that exist right now in this world to have changed my life and got my together together when I needed to back then, but it didn't exist.

38:56So my team and I put all of our resources, all of our time, all of our energy in making the best educational resources we could ever make. And guess what? We have literally a quarter of what the industry average refund rate is, even though we guarantee free refunds for a full month. That just shows that we provide the best in industry education. And listen, I get it. We're a business. Education can be kind of expensive and we put a lot of work into it but right now there is a sale until a couple days from now so make sure you check it out you can bundle all of our programs together and save a lot of money it'll change your life all right well translate for me because apparently i'm need more oxygen i could see that Okay.

39:47Okay. Let's talk about the Discover it, shall we? Sure. Okay. What's going on with this? That's been like that for two to three years. Why? Just, I haven't been working on, I've been trying to work on the other cards, and that one's been on the back burner, but it's the most It's at the fucking credit max It was above the credit max until a day ago essentially It's been at the max the entire time I pretty much almost immediately maxed the one out That means you continue to max it out then No I can't What? If it was three years it wouldn't still be at the max Well no with interest No not if you're making the minimum payments It would not be three dollars from the max You're either not making payments or you're purchasing sometimes within the last three years I probably purchased, but I don't know exactly what it was.

40:44You farted again. Dude. It is$125. A dog don't fart? A minimum fee payment. I know dog farts. How do you know that? I have dogs. You want paws only? Paws only? What is that? That's your job. I got confused, but I paid just enough on the credit card off just so that I can spend. I might need a translator for him. I don't think that's correct. Another one? What are you talking about, f***ing dog farts? You know what he's bringing it up? No, you said I have paws only? It's a joke.

41:28That's probably OnlyFans. OnlyFans. Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only. Prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California and for delivery. Why? I said the breakup? That's our last step of the relationship? With myself, yeah. Why are you okay with that? That can't beat the rest of your life, man. I don't know. It's definitely better off single. Why? I think I do better. In what ways? Because you're not sending sugar babies money, sure. So what, happy massages and Grindr for the rest of our life?

42:21No. Well, then what? What is your outlook? Because there's no point. What's the point of getting the life-saving surgery? What's the point of Paying off all this debt If there's no future to live for What are you trying to do You're not even willing to date again No, not right now anyway Why Because I don't want to be in the same situation That I'm currently in Just don't get someone that relies on you for your money You don't even see them anyway Right, which is why there's only And lot snakes Okay Okay, okay. Well,$104.88 of interest with$125 minimum payment, and you're just getting that OF.

43:11No, on that one, I'm saying throughout all the cards. It could be on all the cards. I guess we'll find out. So to be clear, you blame the two X's for your financial mess, even though we've obviously proven this wrong, and you also keep the dog around just so you can blame him for when you shit yourself in that chair. So everything is this endless deflection with nothing to look forward to in the rest of our life. I'm trying to pay them off slowly. I'm trying to start with the lowest balance credit card to pay them off because there is cards that you don't have. Your lowest balance was zero and you brought it to$551.

43:45No, because there's other cards you don't have. There is no balance. The lowest card you had was zero dollars and you brought it to$551. Right, that was supposed to be paid off today. But then it wasn't because you have IRS debt. Correct.

44:01So what the f*** are you talking about? Snowball? Does snowball method suggest put money on a credit card? No. It's to pay it off. It's a modified snowball. How's that modified snowball working for you? Not too good, apparently. Let's just try avalanche and snowball. At the same time? It could work. Up and down at the same time?

44:32I don't know. We'll see.

44:37Buddy, porn's free. Up and down at the same time.

44:44How much are we spending on the OF? I am not going to ask to see his OF. I do not want to see it. Well, it's not mine. No, I know what you subscribe to. I don't know. It's only like$7. Maybe the max I've spent. Show Brandon what you subscribe to. There we go. Instead of me. He'll translate for me. I don't think he wants to see that. Pull it up. Here we go. There's nothing on there. It's all canceled. Let's see. We'll see the past subscriptions. We can see everything. You can see the past subscriptions.

45:17I heard to the grapevine.

45:24Don't grunt just to pull it up. No, I'm trying to think of... That's how I usually log in. How many total subscriptions are there? It should be zero. I just said that. No, no, no, no, no. In your past list. Oh, I had no idea. I couldn't tell you.

45:43Ladies, if you're out there doing OF and you want a career change, I'll gift you a course career certification and get you out of that. And you probably need therapy with it, so I'll give you three free sessions with Sondermine. Is it all? Take it. translate. What are we saying? I'm not allowed to say names. Stars, hearts, lots of eggplants. Wait, what? Okay. That's kind of a crazy name. Look at that name right there. One letter off. I see a lot of messages.

46:24Translate. Okay, there's about 50 different people on here. Who are we talking to? Nobody.

46:36Danny Twink. XX Cash. Some of those are probably so old I don't even know who they are. This is wild, dude. There was maybe 50. There has to be 100. This goes... Ah! There was a video at the bottom. Translate. There was a video at the bottom? What's the video say?

46:57Tidy whiteys in a six pack. I know he wasn't a female. I don't go down that far. Did you see how long I was scrolling? He was scrolling for a while. What was that, like two minutes? How much do you normally pay on the OF? How much do I usually pay? I don't pay. I just subscribe and then unsubscribe. Yeah, but how often are we doing this? Not often. Maybe once every three months. Why? Why does all of a sudden we get to that? Want extra photos? Or video to get off? Wait, extra what? Photos. Okay. Goon maxing.

47:41It's free. That's all I'm going to say. What's free? Or at least...

47:52and sex yeah true except not the places you go to no okay okay only he's okay he's never experimented my uh three feet sessions to Sondermind pass it over double it or nothing Well, you can gift them one of those monthly subscriptions as well. I don't think he's into that. Okay.

48:28Interest charges here so far on here, nearly 350 bucks. Fees! You had a fee. I told you. I told you, dude. You had a f***ing late fee this year so far on this card. I don't know how that's possible. It's on auto. It's possible by you not paying it. It's on auto. Everything's on auto. You didn't have enough money in your checking account. Well, it's on auto, but I usually pay it before the due date. Don't care. You've had a late fee this year. Just one? Just one. I don't know. That's possible. By you not paying. Well, no s***. Well, that's how it's possible. A further down conclusion would be not enough money in your checking account when the automatic payment were supposed to happen.

49:09If I may, we're spending our money on all. Not all of it. Which is more important than paying for your own rent, having your own independence. Okay. Okay. A late fee. I told you that you don't just stay at the height, at the top of the credit card limit for three years without purchasing or without late fees. And now we know there's both. Yeah, I had no idea there was a late fee. I don't know how that is. Verve credit Balance $1 ,660.82 With $15 of fucking fees For why? That's probably the annual fee Annual fee or the That's a monthly maintenance fee For fuck's sake $20 of purchases Why are you possibly purchasing?

50:09On a card that you cannot pay off That there are monthly maintenance fees which, well, what is even the f***ing credit limit on this thing? Do you know? On that one? Yeah. I would have to look. Interest accruing 50 bucks. So we're purchasing our car that we can't pay off, that fees are being accrued, that takes five years to pay off doing our minimum payments only without any purchases, which is f***ing crazy. It's f***ing crazy. $85 minimum monthly payment. I mean,$84 minimum monthly payment. We have necromancy. Huh? Necromancy? I don't know what that is. I thought we were f***ing heavy massages, not necrophilia.

50:53I don't know what that is. Necromancy. That's what you purchased. SP Necromancy. You're purchasing it on the card that you cannot afford. You are the one who has swiped. I understand that, but I don't know what it is. You're the one who budgets You said You don't even know What the f*** this is You don't even know How much you spent On that On that card I don't know what that What you're calling out is No overall You remember Can we Like f***ing 20 minutes ago When you said You thought you spent Like five thousand Or four thousand When you spent nine thousand Right We swipe And then we snowball An avalanche We don't budget boss

51:48oh for f***s sake okay

51:55this is a fun one I get to get you free money and then I get to get myself free money it's a pure win-win for both of us what do you have to do sign up for a so far high yield savings account and get a welcome bonus of$300. Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now. What the fuck are, like, you're just going and getting this thing and you don't even know what it is.

52:39Or you're not even plotting out your purchases. You don't even know what this is. I'm being told it's some kind of makeup or cosmetic thing. I don't know. I mean, there could have been, my ex probably purchased on that because I know. The fuck you, six months ago is when you broke up. You fuck, this is a month ago. He still had it locked into his phone. I told him to delete it. Delete all my card information Can't fucking reset it I can't reset a card number Yes you can You say it's lost or stolen you did You could That's what you do Yeah but then it just shows up to the house When you order a card It shows up at the house Yes Right And then he gets the mail I'm never home Are you still there?

53:30Yeah

53:34You broke up with him six months ago And he's still there Yeah but he's by himself now And you're paying rent No he's by himself But you're paying rent No I'm not You said At the beginning you fucking said You're maintaining the rent you had No the rent is done Oh Buddy I can't get a fucking answer out of you To say my life that is correct Cause then I learned something completely different That is What are you talking about At the beginning you What the f*** man Do you know what's going on in your own damn life? Yeah There's no more rent The lease ended And he took it over? Yes

54:14Then why at the beginning did you not tell me that And suggest Where are you living now? Um I'm moving back to Florida But Six months ago is when you broke up Where have you been living? The lease wasn't over. When did the lease end? Last month. Where have you been living for a month? In a truck. Okay. With the last next. Okay. No, my dog.

54:50To the 36 % interest rate. That's the highest one. There's actually the. To the 36 % interest rate. That's the highest one. And you purchase makeup that you don't even know about, and you refuse to get it, reset the number, because it shows up, change the address that it shows up to, you tit, and then request a new card. Doesn't that take like 30 days or so? What? To do a change of address on a card. I've changed my address on a card multiple times. I don't know. I also don't check the mail very much, because I live in the 21st century.

55:23So, it's worth a try, is it not? What? You're just going to let him spend on here forever. You're still sugar babying, but you don't get any of the benefits. I've locked him out. All the credit cards also. So I'm talking so much bullshit that I'm getting confused. Yes. Because you said this would have been him. That's impossible if you locked him out. I didn't lock him out. I just locked it. I just locked it.

55:57I am a prosecutor's dream.

56:06Buddy, I don't think you know what's happening around you. I'm concerned that you're on the highways. There are signs you have to follow. Yeah. No cop, no stop. Just keep going.

56:28Okay Moving on Sir you clean Same company So it's going to be high interest also Oh good That sounds like a great one to purchase $836 on then Was this him too No that was probably me Because I have all the cards We snowball And we avalanche

56:57Okay.

57:02Sir Yuling will have a balance of$1 ,464.69 with interest charging$42.89. $675.77 was the previous balance. You only made a$90 payment. Then you purchased$836.03. Why? I'm assuming it's on food. It's not all on food, but it's mostly on food. Arby's. More Arby's? Why are we going to Arby's? That's where that truck stops. Gotta have the meats. You already have them. The meats were in your only family.

57:50Well, it's true

57:54Went and got some bulls**t Scooter's Coffee Amazon Marketplace Regal's Nail Salon That has to be a front That's double nail salon in the same month Is that where the happy massages are done these days? No I haven't personally investigated Regal's shouldn't be the same month It's the same month I don't know how that is then I went once And then I went again And I thought they were different months Lip salon Alliance salon and spa You go to a lot of different Questionably named Hey I don't name them Harlers But you go to different ones on the roads Do you check No because they're on the roads Those aren't on the roads Then why are we going to Because I do that on my home time They sound very fishy.

58:55You wouldn't admit it if you did it, would you? It would what? I appreciate a local tug. Would you now? I don't know. We'll find out. I mean, come on. I definitely appreciate a local tug. Yeah. Winning, got some bulls**t. I mean, come on. I've had enough of these conversations. Okay. I'm not going to make you say it. $60.96 of interest accrued this year so far. It's about to be a lot higher because it just doubled the balance. with a 35.9 % interest rate.

59:33All right. Capital One. What's going on with this card? Which Capital One is that? Capital One Platinum. That's a secured card. There's only a$200 balance on there. What's going on with this card? Because that didn't answer any of the questions. All I see is you're above the credit card limit. I use it for when I don't have money in my account for food.

59:58Brother needs to eat I'm hungry Buddy, you know you're getting a surgery for this, right? Yes Why don't we start the You know, do you know why Dr. Now, big fan? Yeah, yeah Do you know why He makes them lose so much weight Before they're allowed to get the surgery? Nope Because they're a fat f***er Come on. Try to use the brain. I know it's just in the truck all day. Try to use it. Why do you think? You guys look like a very cute gay couple that I'm sure you're used to in the camera that I'm looking at.

1:00:44You would, right? You'd hit. No. Oh, what the fuck? You just insulted my boy. All right. No, I'm not sure why he does that. Come on, think. Think, please. Think. To show a willingness to? Okay, headed in the right direction. One, this is the obvious, and it's the stated reason. It's a very risky surgery, so getting them under as much as possible, getting them to lose as much weight as possible makes it less risky. That's the obvious. Two, it's the showing that they have an inkling of the behavior that is going to actually make them lose weight after the surgery because all it's doing is reducing your stomach by, what, 90 %?

1:01:28So with that, it's showing that you're going to actually maintain through. However, you are very clearly not, and it's just like your bankruptcy situation, which makes me nervous to have the surgery because you don't change your behavior. You try to do the shortcut options instead of actually putting in any work before or after. This next one's for all you CarMax shoppers who just want to buy a car your way. wanna check some cars out in person uh-huh wanna look some more from your house okay wanna pretend you know about engines nah, I'll just chat with CarMax online instead wanna get pre-qualified from your couch wanna get that car hey, that's a beat you wanna do it your way wanna drive?

1:02:16CarMax look where we are after your bankruptcy the same thing's gonna happen with the li - not the lipo, the f***ing gastric bypass. You're going to get it, and then you're going to balloon it. I hope not. I don't think so, but you're probably right, Caleb. I'm probably right, because we looked at your past. Come on. It's a huge failure rate with that surgery anyway when it comes to people actually losing overtime and holding. The bypass? Yes. It's better than the sleeve. Okay. But it's still behavior change. And you have no inkling of behavior change. You do shortcuts and then blame game. That's your entire life.

1:02:59Okay, well, again, you're over the credit card limit on this. You paid off your previous balance, but then you purchased$451. And 86 cents. Okay. Well, we started off with every card like we always do with Arby's. All right. Why are we starting every card with Arby's? What's that truck stops? There's only Arby's, Subway's, Chester's. Subway's would be healthier. Chester's would probably be tastier, even though I've never had it. But it's fucking Arby's. We have their burgers. No, because it's Arby's. You should try it. It's actually pretty good. I eat deer ankles. Went in and got some bulls**t.

1:03:42Wendy's, McDonald's, Dunkin' Donuts, bulls**t. Bulls**t. McDonald's noodle dumplings. BSBlazePizzaEtsy.com Where are we even ordering that to? Etsy.com? Are we trying to win them back over? No, that's probably one of the ones that was locked into his phone. I don't have it. I don't have it ever ordered from Etsy. Oh, for f***'s sake. I'm lying. Yeah. Come on, dude. I can't believe it was just saying at this point. Noodles, McDonald's, Sonic Drive. You're going to Sonic, too? Disgusting. Drinks. Yeah, the price point kind of reflects that. First truth you've told. Taco Bell, Dunkin' Donut, Baskin Robbins, Chick-fil-A, and other Etsy!

1:04:27Yeah, I don't... Etsy's... I don't know. I've never purchased from Etsy. Sugar babies with no sugar. Yeah, where is that? You're not getting the sugar. It's Splenda. Dude, you're not even getting that.

1:04:43SP Wild Bloom. doesn't ring a bell

1:04:52that's the website it's the purchase name I have no idea let's look it up

1:05:06I don't know it's all blonde over tanned Karens that sell like Like, Etsy jewelry, honestly. Yeah, I wouldn't. That's not mine. I mean, it's on the car, but I have no idea what it is. But it also, can we see what your ex looks like? I don't know if he fits in that. From everything I know.

1:05:34What is this? $40 of Grindr Premium. There's no way. Buddy. what are you doing that's what I was saying about pornography right I don't know how there's$40 yeah I'm fucking with you on that one

1:05:55got me on that one but a part of you believed it I did I did

1:06:08gotta chat GPT the image first If this person looks anything like my translator here, I'm going to be... Definitely not. Brandon is a handsome man. You shouldn't date him because he's a horrible person, but he's a handsome man. Damn. You think about that with your employees? Yeah. He's a part of the Goon Squad. We go back and forth. It's all in the YouTube membership, baby. The best one on the platform. Link in the description below.

1:06:39Wow. We don't know his name. I didn't say that. I'm looking for a photo. You asked for a photo, correct? Instagram, Facebook. I don't have Instagram. You don't have Facebook. Every boomer has Facebook. How do you find sex? Do I find sex? These days. I don't. Lots of eggs. But you would be interested to know that actually that is how I met him. Grindr? Yep. Oh, it's so inappropriate, but I luckily have his legal consent, so I don't really care. When is the last time you had sex?

1:07:18A long time. Probably two years. The Asian parlor does not count. Two years? Wait, you broke up with him six months ago. That doesn't mean anything. I'm never home. But you said you went home once a month at least. Yeah, to take a break or whatever, not to have sex. with your partner? Correct. That you paid for? When I purchased an item, I like to make good use of it. 100%. There was no sugar in this baby. Oh, there was sugar in that baby. It just wasn't his. Did you want to see it? Yeah, both of us. That's an old photo.

1:08:04I said it was a small little twink. I fucking told you. And yes, this is the most as clear as day sugar baby. Can we be real? Can we be real? Sure. Come on. That was a sugar baby situation, was it not? It more than likely was. Come on. There we go. I mean, you guys didn't. I mean, listen, I ask wild questions. I ask inappropriate questions, but they always lead somewhere. Come on. Here's the one before. They're like night and day different. Let me see. He went from Twink to, yeah, just slightly older Twink. I mean, I get it, but yeah. Okay, okay, okay. Well, that confirms. Was the one previous to Sugar Baby too?

1:08:54No. Okay, see, I want you to find love and a reason to go home, a reason to do things, a reason to put in the work, a reason to stick around. Because the main thing is, you're not going to get there with the sugar baby situation. You're just not. Okay? I want you to find love, and looking for sugar babies isn't going to do well. Let's kick Brandon out and go through these conversations. Thank you, Brandon. Good translator. Bro, come here. I don't need a translator to get through the rest of these. 31.24 % interest rate. Certainly not good. Obviously, the method is not working. The avalanche snowball?

1:09:36No. Yes, the combination that goes nowhere. Okay. Oh, for f***ing. Money to family? $600 for what? Whenever I'm negative in my account. Why would you be negative, though? You don't have overhead. Whenever I'm negative in my account, I don't even ask. I'm asking you why I should have kept him in here. Answer the damn question. Why would you be negative in your f***ing account? When I calculate to pay the bills manually, there'll be times that I don't correctly input it, and I'll forget. You get harder to listen to when he's not next to you. Okay. Listen, buddy, you make good income for someone with no overhead.

1:10:29Limited overhead, let's be real. But do you own your truck or do you rent your truck? Neither. Company driver. Okay, that's even better, right? Yes. So what the fuck? How could you ever be negative? No surprise you had a late payment, right? If you're just saying you're negative, when did you borrow from the fam? Um... When I'm negative, it just gets sent. I don't even ask. What? How would they know? She, um... That family member? Yes, that family member, um... Has access? She has access. What? You're 40! You're 40! Benefits. Huh? Death benefits. You know, if I were to pass, they have access to it.

1:11:21And vice versa. You can still You can still You don't have anything by the way You don't have f***ing assets But either way you can still have a will Where it goes to them Why do you That's embarrassing Purchase everything in our credit cards As a 40 year old child And then family member comes in And bails us out Because we put all our money towards paying off The minimum payments on the credit cards using two combined non-payoff methods. So they see, uh-oh, family member doesn't have money. Let me put it in for him when you just go and blow it all on fucking Arby's and OF. Come on. Do you not see how much of a joke that is?

1:12:11That's a joke. That's a joke. I disagree. How? Because I don't ask for it. It's automatically done. I didn't say you did. I didn't say you did. I said you go and rack up all the money on bull spending on cars they don't have access to. And then in order to make your payments, you drain your accounts. Then they say, oh, no, bull will, bull will. Jax, Dax doesn't have all money. He doesn't have money. Let's give him money. I mean, I don't ask for it. Oh my f***, I just said that doesn't matter. It's how you do it. It's how you do it. It's what you do with the... How are you not comprehending that, buddy?

1:13:03Big guy. Friend. Mr. Jax. Dax. Why are you not able to f***ing comprehend what the f*** I am saying? Lack of oxygen. Yeah, where's the tank? Behind you. Wow. Oh, you think you're clever. Jeez, that's a rough one, man. I'm sorry. I'm sorry. Woo! I got to get you out of the truck. Is that a good place for you? Not a good place for the dog. Okay, fam. $600, do we have a minimum fee payment agreed upon for that or what? No, that's the one we just discussed. Huh? That's the one we just discussed. She don't care. It's just whenever.

1:13:55Why do you become... There's no minimum payment. Why do you wait for him to leave to give me a career?

1:14:09Dax. Yes. My boy. What the f*** are you on? Okay. Okay, there's no agreed upon payments. What have the conversations been around this? It's just pay me back when you can. That's all it is. But if you don't ask for it, it's just given upon you. It's a forced upon debt. I can see that. No, let's not make you a little victim. I'm giving you that ability. No, no, no. You don't need that in your life. It is a debt, but it needs to be paid back. The conversations, you have it. What do you say? What does she say? I would ask how much in total she spent, and she would tell me. But it's not like I'm asking her for the money.

1:15:02I've never had someone fart in the studio this many times. And I know the difference. I know the difference. You are not getting out of it. It's just leaking, and you probably don't even know. That's gross. Yes. but I'm the one smelling it. I don't know what you're smelling. Don't smell anything. Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget no matter where you are in life, how you should be investing based on your investing profile and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life.

1:15:53And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15 % off. So join the over 10 ,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to CalebHammer.com or just click those links in the description below. Money to friend. Yeah, money to friend. F***ing two years ago? It's$1 ,991. It was more than that. What the f*** are you doing?

1:16:27But it was too... You haven't paid him in over two f***ing years, though. It was originally$4 ,000, but you haven't paid him in two years. Right. How many points to pay? What the... With the... By not going to Arby's, you f***ing... What are you... What? What? By not subbing to OF. By not getting happy endings. What do you think? By not putting the money where you put it. And giving it to him. Why did you borrow this? And why have you not paid in two years? Let's hear an answer. And don't tell me. Oxygen tank. Um. I don't exactly remember why it was borrowed. Oh, for f***s sake. You're not. I don't remember why it was borrowed.

1:17:12It's been so long I couldn't give you a readout. It's been four years? I can't remember what I borrowed it for. No, it's been four years. You did not borrow it at four. No. You know that, right? That's not what I said. That is what you said. That is what you said. No. It's been four years. I don't remember within the previous four years what the money was borrowed for. Okay. I know what the fuck I do. How do you not know? I just don't remember what it was for. $4 ,000 to a friend is not insignificant. It wasn't$4 ,000 at one time. You told me it was a$4 ,000. You told the producer it was a$4 ,000 loan.

1:17:52You took it out. It wasn't at once. What kind of stuff were you borrowing it for? DAX? Probably rent. I don't know. Why? Because I was contractor at one point. But you didn't even have an ex to blame it on at that point. A fake ex. No. We were still in a relationship at that point. It doesn't make sense. You said you were together three years and you broke up six months ago. No, it's been six.

1:18:26Six? And we broke up about six months ago. What did you just... Dax! Dax! Dax! My impression is Dax. So what the f*** are you talking about? The debt, I don't know what it's The debt, the$4 ,000 It's warm in here I want to make sure you are not having a stroke It might be No, no, no, like I'm actually asking Because you are not comprehending these questions Are you okay? Yes Okay, then f***ing try Because I literally just said that And then you said it's been six No, it's been six years Since what? In a relationship What? Oh, okay That was a six year relationship, sorry, I thought I remembered three Yes, the relationship with my current ex Has been six years But that four year Has, I don't know, it's

1:19:23What it was borrowed for For the four years I couldn't tell you what it was for Okay, why the fuck haven't you paid in two years, how about that? Because he Don't mind, he'd much rather have the friendship He don't mind He'd much rather have the friendship and... We need to practice just talking, man. Go on. He'd much rather have the friendship than have the money back. It should not be either or. If you're a good friend, you'd pay it back. That's true. Yeah, it's true. So why the fuck aren't you? I didn't ask why isn't he asking. I'm asking why aren't you? I kind of forgot about it, honestly.

1:20:01Bullshit! He fucking told us! Dax! Yes? Answer the question. I don't know what it's for, dude. Oh, that's what I'm asking! Oh, I'm asking why you haven't made a payment in four years. No, it's not because you forgot about it because you literally told us about it. So why the f*** not? I just haven't. I kind of forgot about it, to be honest. No, that's not to be honest. I don't think you've been honest once in your life. What happens if we call your friend? What would he say? What I just told you. Call him and ask him his opinion on the debt. On the debt that I owe him? And that you haven't paid in two years.

1:20:45My end of the debt is$1 ,991. Yeah, you gave us down to the dollar, so you don't remember? Speaker to hear. We'll bleep names if names are said it so. It's okay. Okay.

1:21:02Do people not know how to pick up phones and... We do flatbeds. We don't want to be... We are filming a The Financial Audit right now.

1:21:16Okay.

1:21:21We'll try them again in the post show. People are not answering that now. Should I... They don't know how important this is. Yeah, give them a text. Give them both a text. Say you want to talk to both of them. The ex and... You already tried calling the ex. Yeah, text him. Just asking if he can pick up. What up, Twink? He would have already called you back. Just text him, dude. I have do not disturb bonds. He may have. Okay, why do I see that to ex's sister? That's for the car because I don't have a car for... Car? Vehicle? Yes, nickel. Okay. Instead of the car that I sold, that I paid the debt off with, my current vehicle that I have that I purchased after was hit by hail.

1:22:09So I didn't have... Insurance? Rental's insurance. Rental? Yeah, rental when your vehicle gets an auto body shop. I didn't have a... Oh, yes, okay. You bought a car. So, you're about to make a trade based on a friend's text. But which you do you listen to? Is it, We could buy a house in Tulum! Get optioning those options! We could lose everything. Or, let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Arwen, it was in the fucking shop? Yeah, that way he could have something to drive to go to work.

1:22:57But why'd you just use the justification of your car being in the shop for you buying a car? And also used his sister's money? No. I see money owed to ex's sister. Yeah, I bought the car from her. For my ex. But used the reason of your car being in the shop. Hailstorm. It was in for a month and a half. Yes, I know why. We've established that part. You said that's why you got the car And then you said it was for him But you said it was because your car was in the shop Right, I didn't have a rental agreement So he needed to get back and forth to work So his sister had an additional car to use You drive him back and forth to work typically?

1:23:33No, I'm over the road So why does your car being in the shop matter? Because he got repaired And there was only one vehicle Okay, so he used your car? Yes, he was using There we go Dude, that is so much Why couldn't you just say that? You pretend like me and the audience and Lindsey and Jake already know your life. We don't. We're uncovering it right now. You have to give context. Dax! Yes, there was only one vehicle. Are you paying her? Yes. How much a month? $200. Okay. How much did you borrow at the start of it? I didn't borrow it. I ordered the full balance of$2 ,700. Okay. and it's$200 a month.

1:24:27I never know what I'm walking into when I'm walking into this room.

1:24:34I've paid about$1 ,400 of it so far. Yes, you have. Okay. Okay. And please tell me you're not paying for the insurance, right? Yes. It's under the same policy. My current vehicle. Get a different policy. You're paying for your ex's car insurance? Yeah. You're daddy and without the sugar still. Still, yep. Even though it doesn't sound like you got much. But regardless, why? Get a different fucking policy. I need to. It's kind of expensive anyway No I asked why Why do you have a different policy? Why you aren't getting one I need to I'm asking why you aren't Because I'm calling around getting quotes For insurance Why it takes 5 seconds online It takes 5 seconds online It takes 5 seconds What calls are you making?

1:25:39I've gotten some quotes for new insurance And? It's about the same. Do you want to be paying for his? No. That's switch. I agree. Then why aren't you? I need a switch. You haven't answered why you're not. You answered you've gotten quotes, but not the why you have not. Because he claims he don't have money to put money towards. Claims he don't have money. Towards his own insurance. Because you're going to have money down. Does it matter? It's him. It's your ex. You are not providing the money anymore. It shouldn't matter now. Okay. Very focused on a black screen over there. Okay. Huh? Life 360.

1:26:27I'm muted in case they call back. Okay. There's the IRS debt. Yes. Wonderful. Why the fuck do you have IRS debt? Because that was when I was leasing a truck through a company. And? I never paid the taxes on it. It built up. Because you were a contractor. Correct. Not because you were leasing a truck, but because you were a contractor. That was the tax structure. Right. The way you answer these questions are bad.

1:27:11Can I let you know something, Dax? Sure. We almost ended this conversation 15 minutes in. But I'm very glad we didn't. Because this is so interesting. You are such an interesting person. It's been a while since you said that. Huh? It's been a while since you've said that. Do you watch every episode? Yeah. Why don't you know how to act then? There's the camera, I guess. You're nervous? Yeah. Okay. Okay. It's okay, buddy. Your dog's here. $13 ,528.41 is owed to the IRS because you were a contractor. Didn't save a... More than$13 ,000. There's three years. How much? Oh, my. So that's one year? Yes, that's one year.

1:28:06There's 21. Let's start with this. Let's start with this, dude. Okay, you're accruing interest and penalty. Are you paying? Are you making payments? Yes, I'm on a payment plan. What is your monthly payment for this one? 453. For this one alone? No, no, no. For all three combined. Okay, I guess we'll add them all up. So it was three years of contracting that you didn't pay taxes. When did you learn the last half of the first fucking year? You would think. I would think. There's times that I haven't paid, but it wasn't the full amount. But why did you not learn your lesson after a whole year? I thought the economy would have gotten better.

1:28:39What does that mean about saving for taxes, DAX? Make more money. Huh? Make more money. This doesn't make it... No, why didn't you learn to set money aside on year two and three? The economy doesn't have anything to do with setting aside money. Huh? I just never... I didn't do it. That's the first time I had a done contractor. No, but it was three years of it. You would learn that you owed money after the first year. Please, please understand what I am saying. How did you not learn the second year maybe we should correct our behavior? I couldn't. Why? I tried. It was just, you know, spend, spend, spend, spend.

1:29:18That's not trying. That's you spending, spending, spending, spending. When I was 1099, I was paying the credit cards off every month.

1:29:28Why did you not Attempt to set Did you know to set aside money After you realized oh I didn't set aside money The first year Then why the f*** didn't you Just didn't I You know pay bills That's a bill No These bills

1:29:52Tax Tax But I know what the total is for that for the three years. $37 ,703.32. What's the minimum? For all three combined, it's$453. And what's the interest? I have no idea. I'm assuming general 8%. It's usually Fed rate plus like two or three, so it's probably around 8%. This is going to take forever to pay off. $37 ,703.32. And you were only able to pay your taxes by being a W-2 individual. Correct. Which is why I'm now back to doing W-2. I shouldn't be watching. It's the same. Basically. Oh. You pay. You sometimes pay a little bit more when you're self-employed. But you also have more ways to get rid of some.

1:30:41To deduct some taxes. Write off some things. What? I have notes you have to owe Oklahoma taxes as well. But you don't even know how much? Yeah, I can't log in. I've tried creating an account. I've had help trying to create an account. I can't figure it out. Call? One of them for the first year. You looked so shocked when I said call. Well, I mean, I could have, but I was trying to set the account up online anyway. Not necessarily. Did you call? No, I did not. Well, how do you know that then? Assuming. What the fuck are you? How much do you think you owe? For 2021, it was... Just one year? There's the three years.

1:31:30The three years of contractor, I would owe for every year. Yeah. How much do you think you owe to Oklahoma? In total,$20 ,000. I don't know.

1:31:52Okay. You think you owe$20 ,000 to Oklahoma? Correct. Okay, separately from the IRS to confirm? Correct. Okay. Oh.

1:32:07Okay, and you're not on a payment plan, but you will be eventually. But at least you're fleeing. What is this? You got texts asking for Oklahoma taxes from a Michigan phone number? You click the links in the text? But they don't work. But you got scammed, potentially? Well, the website, the links that they sent, I guess they expired after a certain period of time. Why would a Michigan phone number text you about Oklahoma texts? I don't know. That's why I didn't call her back. Did you click the links? Yeah, because the links go directly to a business in Oklahoma. You are going to fall for a fishing spam within a year.

1:32:47or you're going to get horny and fall for a horny phishing scam. Do you say so? Do you know what that is? A phishing scam? Not really, no. Oh, buddy. Good luck. Good luck out there. I don't get phone calls for that, so I wouldn't know. Huh? I wouldn't get phone calls for that. All that's blocked. Okay. Do you have an email? Yeah. Okay. I don't click on anything. I usually delete spam. I hope so. Listen, buddy, I'd use a Fizz card. That's all you can use because at least it only lets you spend once you're checking account so you're not f***ing over your family member as well. Oh, the IRS does insane.

1:33:31There's still more. Okay, the Hyundai. What's going on with the f***ing mess? That's the one that got hit with hail. That's my current vehicle. Okay. But it's all good now? Yes. It's been repaired. Okay. $34 ,769. $33, and you never use it, right? Not really. Why did you have a$769.88 minimum monthly payment on a thing you never use? Why did you get a near$80 ,000 vehicle on something you never use? Because I wanted something new with a warranty. Why? Because sometimes if I change companies, I'll drive to that terminal instead of... Make your decisions then based on if you actually do. What a weird preparation for something you never use.

1:34:18What do you think it's worth? You owe$34 ,769.33. What is it worth now? $20 ,000,$10 ,000 less? Also, it does not take into account the damage, but it's being generous. The value we have. About$27 ,000? Okay, without even taking into account damage, we're seeing$23 ,000. It's probably worth$5 ,000 to$10 ,000 less, though, because of the damage. This is the dumbest purchase ever. There's nothing to get out of this You just have to pay this off or let it get repoed And I might just let it get repoed You never use it then get yourself a$10 ,000 car Your credit but your credit's already Is that all your debts?

1:34:56What's the interest rate on that car do you know? It should be like 8 point something Definitely not good That's for sure $377 in our checking account Tacos, Apple bills Getting some BS Apple bills probably storage or um yeah bring up your phone and don't take 10 minutes to do it noodles apple bill getting some bs bs girl scouts bs antonio's bs apple cash apple cash apple cash zelano zelano zelano zelano zelano zelano zelano zelano zelano zelano what the f*** are you zelano every second of your $200 a month car payment. A$200 a month car payment? No, because this is all in one month, you f***.

1:35:42And it is 1, 2, 3, 4, 5, 6, 7, about$800. Okay, so there's two. Appleville, Capca, iCloud, Grindr! It expired only last month. So, actually, I was spot on. How do I always know these things? How do I always know these things? I don't want to jerk myself off, but how do I always know these things? Are you sure about that? No. Yeah, but right now it says AppleCare +, CapCut, and iCloud+. But I know Facetune, body editor, this doesn't help with Blender. We all know. Because then you just meet up with someone and they're not what you think and then it's just like, embrace the chub. The chubby chasers will find it.

1:36:29You'll lure. You'll lure with your immense gravity and it just they'll get you. Okay? We don't need to do the magic editor. Screen mirroring? Face lab? Bloom AI editor? Come on. Chat box? AI image generator? What are we doing? They don't work. So I was playing around with them.

1:37:00Very curious. We're going to look at something in the post show. We're going to look at something naughty. We'll keep it behind the paywall so we don't get demonetized. It's going to be very, very goody, as the poster typically is. Zelle out, Zelle out, Zelle out, Zelle out, Zelle out, Zelle out, Zelle out. All in one month. What was it? What are the amounts? Hundreds, hundreds, hundreds, f***ing 20, 50, hundreds. It's just so many Zelles, dude. So if it's from Bank of America, it's probably to that SoFi account for food. Oh, f***. Okay, here's the SoFi account. And that's going to be all bull.

1:37:33Ending balance is half of what I started at. Now it's$76.70. Dunkin' Donuts. BS. BS. Burger King. BS. BS. BS. Bojangles. Bojangles. Come the fuck. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list. Even those who are hard to shop for. Toys and jewelry to new beauty brands and styles, these gifts go seamlessly from our stores to under your tree. Seriously, with these savings, why shop anywhere else?

1:38:13Burlington Deals Brands Wow. Don. Dealer? BS, BS, Burger King, Arby's. Hardee's. BS, BS, Arby's. Heatio? Children? Hetio Children's HTO Children's The location Children's up north BS BS Chili's Oh for fuck's sake Arby's BS Arby's Wendy's Hetio Children's Arby's Mitch's Barbecue BS BS BS BS McDonald's Denny's online Out of all the Denny's to get You get the f***ing order online Going in and getting some BS McDonald's Denny's At least that one wasn't online Going in and getting some BS Road Ranger McDonald's Sonic Drive-In That wasn't a drink that time Or your double fisting Taco Cabana Going in and getting some BS Dude this is f***ing insane What This is disgusting This is disgusting Moving out of mom's house Before we know it

1:39:34$4 ,700 comes in on a monthly basis Your new rent is$800 that it's going to be, right? Correct Cool That includes all utilities and everything How does food work at this house that you'll be moving into with Mother? Um Does she buy? Do you buy? Is it a combined pile? It might be combined Do you actually know? Not at the moment, no Okay, then we'll budget like it's not combined Debt payments $1 ,743.88 I don't think it was your rent that was killing you It's your inability to pay off your debt and spend any more money on food Than you can ever possibly eat Except unfortunately probably not true Phone bill $45 Not bad, I like that Gas, vroom, vroom, drive, drive, personal Maybe $80 a month Still quite a bit Car insurance $240 $300 for groceries $100 for miscellaneous bullsh** We'll do$150 Include the pup in there to keep him occupied While driving Do you have dog insurance?

1:40:38No You should, I will put in$40, looks healthy Pet food, how much? $105 a month $105, medical health care How much on a monthly basis? I'm not sure how to Co-pays or anything though? No No, I have fire education for every three months. $30. Huh? Three months for? No, every three months is$30. Okay, so$10 a month. Anything else that needs to be in your budget that I have not taken into account? No. Do you think there's something here? Too much spending. What? No way. It's just your spending. It's ridiculous. It's stupid. It's dumb. It's pointless. Unless you need$3 ,513.88 to live. Didn't even have rent these last couple months.

1:41:25Living in the truck. $1 ,186.12 is what you have left over. Let's give you$186.12 of BS for the road. $1 ,000 left over on a monthly basis. Very good. Okay, well, yeah. But this is, I mean, it's going to take 86 months. Let's pay off the debt. Pick up as many extra miles, trips, whatever you can. Do you get paid per? per mile, yes. Good. Just grind it, grind it, grind it. I don't want you to be single forever, but if you're choosing to be single forever, grind it out. Pay off this debt because right now it's going to take seven years, so you may as well do bankruptcy again at that point. But again, there's no point of actually doing that without changing your behavior because then you get here again and then we have the same conversation a couple years down the road.

1:42:08Change your behavior, then look at possible consolidations if you want to, or grind this out. Bring in an extra thousand hours a month. Pay this off in three years. How would I do that over the road? Huh? How would I bring in an extra$1 ,000? Can you pick up more? Or are you maxed? I get what they give me out, but I'm maxed out on a simple file. So change roles. Pick up another job. Okay. Maybe something online or something. Yeah, whatever you can do. Whatever you can do. Change a different fucking hauling job. I don't know, buddy, but if you can bring... Listen, if you can bring in an extra$1 ,000 a month and you actually do this, and I actually gave you bulls and it takes three and a half years.

1:42:45Listen, it's simple. This is ridiculous. He goes, if you just didn't do your spending, which were all your fault, you wouldn't be in this position, but you have to cut it back now. Or not only are you going to be dead sooner, but you're going to be dying in debt. And certainly not leaving anything to the family. That's for sure. Guys, join us in the post show. We're going to do something very naughty. And there's probably some extra tea that we don't know about yet that the producers will bring in. And I think I'm going to bring in the translator as well. Hammer financial score. Spending the budget.

1:43:12You spend over what you got. Zero out of ten. IRS debt. Zero out of ten. Emergency fund. 300 bucks. I'll give you a one out of ten to be generous. Retirement? None. Oh, for f***s sake, guy. Zero out of ten. Real estate, zero out of ten. Truck doesn't count. Hammer financial score rounding up, 0.5 out of ten. Make sure to download the budgeting app. Sign it for the annual version. I'll send you the cookbook that can't be purchased anywhere else. I'll sign it and mail it directly to your door. Now go join us in the post show in the best YouTube membership on the face of the platform. I want to go through your g***.

1:43:41My g***. Why do you want to do that? Pull it up and see your profile. If I click on this, there will not be n***. So is this a dangerous chat to click into? No, it should be just photos and then meme. It's a real risky game you guys are playing. I feel like this is it. When I'm told there's nothing on the other end, and the first thing I see... You're the one who decides to go through people's stuff. I asked you! Exclusive members' content? Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. Rinse takes your laundry and hand delivers it to your door.

1:44:15expertly 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 said 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