He Assaulted Me | Financial Audit

26:27You spent$700. So it's, you know, last month. So f*** off. I mean, yeah. So f*** off. This doesn't make sense, dude. And, I mean, Colton's saying that you just hate the idea of budgeting and you hate the idea of taxes, too. Not that you're not even paying any f***ing taxes. You're one of the people, you're literally in the bottom 50 % of earnings in this country. Okay, that's fine. That's not a knock against you. Wait, I'm not paying taxes. Buddy, listen. If you're paying any taxes, it's consumerism taxes. your income taxes after everything and then the standard deductions and everything it's going to be pennies it's going to be pennies on the dollar you contribute to less your group it's not dogging against you you're in the bottom 50 % of earners you contribute less than 1 % in income taxes in this country that's fine and that's fine I'm not even bitching and moaning about it but it's like how are you complaining about taxes you make 30 ,000 dollars a year you're the one being subsidized in almost every way whatsoever more so if you had kids but you know don't get that for bottoming no thank god um so what are you complaining about taxes what are you talking about I don't like paying them but you barely do anything I'm sure there's sales tax in Nebraska maybe there's a slight income tax but even with you're we don't even have a value added tax in this country on a federal level what are you complaining about how can you bitch and moan but not be willing to look to see what your numbers are to accurately bitch and moan about.

27:58Because... How can you even pay rent on this, if we're being honest? It's a little tricky. What's your living situation? So I live with my sister. With your sister? Yes, we moved in together last year. So she's six years older than I am. If I was her, I'd be nervous that you can't pay rent sometimes. She's a little nervous. Yeah, no shit. I did... Okay, when I wasn't employed, yes, like that makes sense. and I had help from... Yeah, that's why you have an emergency fund for emergencies, but you've never had that because you spent money on Galinda ones. Yes. So, I was, my parents were very kind, which I was...

28:34Kind in which way? The unkind, kind, like enablement, or kind like they told you to f*** off? Well, you'll probably think enablement because they gave me money and I have not paid them back. How much? Like this summer. This summer? How much? I didn't have my job. For one month you said, How much? I was waiting for the high pitch to come out. Probably like 1 ,200, I would say. One time or overall? Just one time. Oh, dude. So how'd that conversation go down? I literally broke down to them. Great. So you manipulated. You manipulated. They enabled. What a wonderful relationship we have here. Listen.

29:18Open ears.

29:23open ears continue to exist. I'm just like any, any, when I think about saying this, it's just going to sound like, you know, a victim thing, which I understand. So, um, yeah, I quit my job and I was applying for a bunch of other jobs that I was very qualified for. And they just like, were not getting back to me. So the job market was like very hard, especially in Omaha. So I just broke down to them because like my dad has worked at a company in Omaha for like 30 years. Then why stay in Omaha? Take a lesbian with you, go somewhere with opportunity. Omaha is not a place that's at least nationally known for opportunity.

30:00Maybe state wide, but you have the ability to move anywhere and do anything. That's what's really awesome. I don't think I can though. Why? Because I can't afford it. No, but sometimes even like, it's not like I want you to go into a shit. First of all, you can do things on the cheap. even when I moved here to Austin from Michigan, I sold almost everything, packed up my sedan, came down here, barely spent a dime. Okay. And slept on an air mattress for nine months while I was grinding to pay off debt. You can do things on the cheap. You don't need to go full bouge wherever you go. And yes, places are more expensive to have more opportunities as a hundred percent true.

30:36Live on the outskirts, live in a small thing, split a studio with the les. And then, you know, you sacrifice temporarily. And even if you have to go in a little bit of debt as a good return on investment to have wide more plethora of opportunities to make way more money and pay off your debt. It's kind of worth it. By the way, you told Colton$2 ,000 for mom and dad. So you're kind of, I don't know if you don't remember or you're lying. Yes. More don't remember, I guess. So you can go anywhere. That's it. Just the cost. That's what makes you nervous. Well, that and like drop, like dropping into a new city, not knowing anybody and like, Sounds fun.

31:13It doesn't, it doesn't. No, take the Les with you. She wants to stay in Omaha. She has some family stuff going on as well, too. They're just, like, keeping her there right now. Forced to keep? Or? Well, her parents are, like, pretty sick right now. So she's, like, the caretaker for both of her parents. I don't know. It's this whole thing, I know. I mean, I just never thought about moving to another city, I guess. Really? You've never thought about opportunity? Elsewhere? No, Caleb. That's what the gays are usually born with, leaving their small Midwestern town. I'm funny gay because, like, I'm gay in some ways, and in other ways I'm, like, not gay at all.

31:47But you are... I can't think of one thing that's not gay about you. Wicked, Musicals, Glenda, Bottoming, Fat, Femme, Grinder. Daddy. Daddy, Sugar Daddy, Scam. You're very gay. Very gay. Why, thank you. Hyper gay.

32:07Even though you broke up with your last ex for being too femme, which is odd. So my past exes are... Gays are also the most homophobic too. It's really weird. It really is. You gays are creatures. Okay. My last ex was like a new... I'd never date anybody like that. Like that femme. I like manly men like you and Brandon. I hardly even describe myself as like an ultra... Well, you don't look gay, right? If I just see you, you don't look gay right off the bat. Is that an insult or a compliment? I don't even know. Whatever you want it to be, I guess. I just look like a dude. I don't know. You look like a dude.

32:43You're a thick, tall, dark, handsome man. How am I supposed to compare with Pearl's old boyfriend, Mr. Long, Tan, and Handsome? All 5 '9". Average American male, thank you. I'm 5 '7", dude. You're taller than me. Sucks to be a... Kind of does, but then you get to be a little spoon all the time, so that's nice. You get to like, you know, like, just a little... He just literally rubbed my leg. That's never happened. That was assault. That was assault. All right, all right. If I was one of those over sensationalized freaks on the internet, I would claim you just raped me. Did you like it? No, which is why I literally pulled my legs away.

33:22I was actually relaxing and stretched out. Stretched out? Excuse me, can I? Can I?

33:32Yeah, you can. You can. Can I call an HR, please? You're a naughty, naughty boy. I'm very naughty. Welcome Valeria, everyone. and she's in the post-show set with Oliver's other crush, Brandon. But Valeria, our head of people here at Hammer Media, am I able to make an HR complaint against the guests? Because I don't know. The dude has just caressed my legs under the table without asking permission. And I've very clearly expressed no interest. I don't know if it's that clear. I guess consent is flexible in the gay community. It's a gray area. I make a complaint, yes, because it's anybody that we work with or.

34:15Are they technically worked? Well, he's in here on work premises. Work premises? You know, if, you know, it's as broad as contractors, just anybody that we, you know. He's not a contractor, though. I know, I know. But anybody that, you know, we have some sort of relationship with that's coming into the office. Can I sue him for hundreds of thousands of dollars? Can you sue him for... No. What can I do? What can you do? You can lodge a complaint. And let's say if this continues, if this continues, if we wanted to do some sort of follow up, if he continues making you uncomfortable, we could ban him from the office.

35:03Oh, that's it? There's no upside? This is why we needed to be in New York. I could have sued him. Is there an upside? I guess if he came in again and continued to do this and maybe there was stalking outside the office and it all. He seems to know a lot about me, by the way. Not to give him ideas. He seems to know a lot about me. I watch the show. I don't know the things I say. I don't know. If he turns up at your house, just take note. I know what car you drive. She's welcome to my house.

35:42I'm not. No. No. You can drop her off. My lesbian friend. Okay. So a complaint. Yeah, yeah, yeah. I think that's. Well, a lodge of complaints. Very good. Okay. Thank you, Alaria. Course of action here. W, H, R, and chat. You never thought you'd hear that. Woo, H, R. Cool. All right. Let's jump into these finances because, again, I'm skeptical of actually making a change to them because they're just going to fall for another bottoming scam. I don't even know. But what do you think your financial score is zero to 10? zero being the worst 10 being the best I have taken the quiz calebhammer.com we love that 1.3 okay I say that proudly with my chest I know you're proud listen take that quiz calebhammer.com see where you're staying in the world of finances where you're doing poorly where you're doing great what you need to do to fix your situation and get to a better place just takes a few minutes and it is free at calebhammer.com 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 it's incredible tens of thousands of subscribers for a reason with new features being added every single month to change your finances.

36:42Take control finally dollarwise.app. Take the free trial. See if you like it. And if you do, sign up for the annual version to save a lot of money. And when you do, I will personally sign my budget-friendly cookbook and mail it directly to your door as a reward that only exists for another month or two. By the time this comes out, then it's gone forever. Yeah, where's the cookbook? So here it is. And it's right to you. All righty. What am I seeing? I see a discover card, but not like a normal statement, just like the activity list. I mean, I see a late fee out of the gate, but I don't even see the balance on here, dick.

37:19What's the balance, dick? Why don't you set a statement like we request? It's probably like 5 ,000. It's over. I no longer have access to it on my phone. Huh? Why? You got scammed again? What happened? Maybe. No, what happened? I, like, overdraw it. Like, I'm max. Ford Blue Cruise hands-free highway driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control. Enjoy the drive in Blue Cruise-enabled vehicles like the F-150, Explorer, and Mustang Mach-E. Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details.

38:34payment. Oh God. I mean, I see a late fee here and interest charging like crazy. Probably like 300,$400 now at this point. No, I know you're backed up, but what is the normal minimum monthly payment on it? When we put it in your budget, I know you have to play catch up on it. The normal one was like 150 as a minimum payment. This was like the first card, like like build my credit but then i also bought merchandise with that which i know you're very happy about why because intention momentary gratification over the uh like you know that racked all the way up to the five yeah diva it did it did time okay i was living with my ex at the time he was a bum okay big bum i opened we're gonna blame it on someone else all right let's go Actually, you're right.

39:29Is this the big femme? No, this is the one before. Okay, big mask? Yeah, yeah, big mask. Definitely not black. No, he's white. Yeah. But we'll call him Doug. Okay. Yeah, Doug. What did Doug do? Doug didn't really do much. Like he was working at a school and then wasn't, and then was only working like a summer job. Okay. Why does this f*** you? Because. He's a boyfriend, not a husband, not a partner. and it like does come back to me where I couldn't like put my foot down. Listen, how long were you guys dating? Like two and a half years. Okay. And we lived together. Like I had moved in with him.

40:09What are you complaining about? What happened? Because we were like legit like broke, like down to like paycheck after paycheck. It was like, well, that sounds like it involves you too. It does. And I, yeah, again, like I, it just sounds like I'm going to blame him, but like we just ate all the time. We like never like cooked indoors that much or like. I can tell. You know, and I just took the card out, and we would just go out to the bars as well in Omaha and get drunk. The bars in Omaha? Yeah. They have those here in Austin, right? How many are there enough to choose from to really? Okay. There's a good handful.

40:44Applebee's, they have a bar. That is true. I don't. Okay. Okay. Very good. I don't have a good, like, grasp on my finances, clearly. and I was mostly just like trying to escape like my like home life at my parents house and that's kind of like why I moved in with him because I moved in with him I don't have a problem with the move in it's your behavior all throughout in there and now you're just blaming it on him so you can't blame him for you moving in I'm not gonna blame him I'll blame me because I definitely like moved out and was like oh yeah I'm on my own I can do whatever the f*** I want I can stay out I can eat whatever I want how long was this going on I mean it's still going on Caleb if we're being serious.

41:22Yes, obviously we are, but you're blaming on him. I was, but no, I'm not. But yeah. And then what is this with this Galinda shit? Like, Did you see Wicked? You're spending a shit time. Did you see Wicked? Like, have you seen it? I literally said at the beginning of this conversation I liked it. Okay, so what do you not get about it? Like, did you see Ariana Grande? Did you hear her singing? Were you willing to let me finish my sentence? Yeah, go ahead. I'll let you finish whenever. Wherever to. You asked Colton on the phone call if I have a nice ass? I did. This is weird. Because you're always sitting.

41:58You're always sitting. I have an incredible... Yes. Yeah. I'm... See it now? I'm thicked up. No. Why not? No. Why would I ever show you any part of my body? You already showed me your belly when you stretched. It wasn't an intentional show. Well, I saw it. Yes, also it's on my Instagram. You're right. That is true. I'm caked up. Do I follow you on Instagram? I don't know. No. I would not know. anyway. Either way. I did ask him if your butt is cute because I do like I mean who doesn't like a butt? What did he say? What did he say? I think he said yeah. Yeah that's what he said. The correct answer is yes.

42:36Well I know that. But. No you don't. Yes he said he's taken like you said earlier. Oh my gosh I'm surrounded. Okay it's fine. Just stop. Listen can I have this conversation? Ah! Colton told me you've been spending a shit ton on Wicked merch. Yeah. Guilty as charged. And you're mad you had to travel last night because of a Wicked TV special. So we're going into debt. Like your lesbian friend told Colton that you've spent thousands. Thousands on Wicked alone. Yeah. Thousands on Wicked alone. That is insane. I didn't think it was that much. All while literally, listen, I have another late fee on this next card coming up.

43:15You're not paying your minimum payments that are honestly, yeah, they're chunky, but thousands on Wicked where you're only making$2 ,400 a month, struggling to pay our rent, making our sister potentially have to foot the bill, making our parents 100 % have to foot the bill. She's not footing the bill. Yeah, but she's nervous about it. And you're blowing all that money on Wicked instead of making your minimum payments. Wicked Journal, Wicked Blanket, Wicked Cat Toys, Wicked Insanity. wicked insanity yeah that there's a jacket there's a mirror I got that like lights up that has like Emerald City on the back I have but you're almost like proud of this you're talking like you're proud this is disgusting while your parents are paying your rent you're not making your monthly payments why is this considered considered acceptable in any way whatsoever because I thought I needed it and it would make me feel better what need?

44:10listen I understand when people think they like need to go out because, oh, mental health, okay. Oh, I need food. Listen, it's still stupid and I'll argue against it, but how can you define this as a need? It's an emotional support wand. What do you mean? What are you talking about? I hold it and I feel like Glinda and I feel like a good witch, you know? Are you eight? When I held a stick, I thought I was like a Jedi. That was exciting. Is that Star Wars? Yes. Oh. Cool. You're a 26-year-old man. You don't need to put the quotation marks. I know. I'm insulting you because you're upsetting me, but...

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45:30low-rise jeans, halter top, velour tracksuit, puka shell necklace, disc belt. You likely place these in the dark of your closet in 2004, never to be seen again. But if you can find it in yourself to dust them off, there are a lot of people who will give you money for them. Sell on Depop, where taste recognizes taste. You can also get free samples to see if you like it or 10 % off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. The number one YouTube membership won't stop growing. I'm talking about premium shows every day, Monday through Friday. Exclusive and uncensored financial audit episodes.

46:14Obviously, your time 100%. Financial audit post shows. You were doing this behind his back, but one of them, I've actually never seen this photo. Audit breakdown. Like we still don't film with People like that, like he's a next level. Our call-in show, Hammer It Out. Discipline into your budget. That's what I was... Fat and fatter. What is this? Brandt. Brandt. And now, two new shows, Behind the Scenes. It's stressful, dude. Okay, okay. It's stressful, okay. And Lindsay's Checkup. Did you get married? I got married! Smaller ceremony, but a big reception. Give me all the details. No other channel offers what Hammer Elite provides.

46:53Sign up with the link in the pinned comment or description below. Join Hammer Elite, the best membership on YouTube, today. Like, did you see the trailer for Good? Like, her, like, waving that thing around? Like, she literally, like, holds it like this. No, do you not care? Do you not give a f***? I guess I don't. Then what are we talking? Why are we having a conversation? Why am I wasting my time with you? Because I need to care. and I want to care. I can't convince you to care if you don't. Okay. Can we just take a second? Can I just boop you real quick so we can just reset? No. Because this isn't a joke, dude.

47:34Listen, I don't know. You think you're fun. You think you're silly. You think you're cute. Shut the f*** up. It's not. It's obnoxious. You're obnoxious. You're living an obnoxious life. You don't give a f*** about anything. And you hear that laugh? His parents pay his rent. His parents pay his f***ing rent. Well, he spends bullshit on Wicked. Thousands on Wicked. Disgusting. I'd be disgusted to be your parents. I'd be disgusted to be your sister. I'd be disgusted to be your lesbian friend. I'm disgusted to sit in front of you right now. You're a horrible excuse for a man. Horrible excuse for a human.

48:09It's hot when you say that to me.

48:14See, what the fuck am I doing? What do I do with that, dick? What do I do with that? how can I have a productive conversation here possibly? Sorry, I'm deflecting. I flirt when I'm nervous. And you're making me nervous. Because you're right. Like, yeah, I don't care. But like, I want to. Like, I need to. Okay, you want to, you need to. Why take money for your parents, spend thousands on Golinda, and then not make your payments on your cards? Tell me the why behind it. Why aren't you making the payments? Can we just start there? Why aren't you making your payments on time? Huh? How about that? Because I don't want to.

48:49because I can't. Like, there's just... Because you don't want to? Yeah. But you're spending thousands on Wicked. Correct. I don't want to pay the predators. I don't want to pay... Money's not real, Caleb. I mean, objectively, it is. It's on your paper. It's how you got the wands. What are you talking about? We're not bartering. Right, but it's like a construct. Like, it's literally... Like, it was made to control people and, like, that's what it's doing. Consent's a construct and you broke it earlier, okay? Doesn't mean we don't follow it and it's not real. Okay, fine. Dick. Whatever.

49:20Okay, it's a construct. I think we can all agree on that. Does that not mean it doesn't dictate life and have an impact on life? Well, it does, but it shouldn't. Then it shouldn't. It doesn't matter. Should or would. How does that benefit this conversation whatsoever? It doesn't. Like I said before, I, like, hope things to be true. Like, I just kind of, like, believe things. Has that worked? 26-year-old failure? No. It does not. No. So it doesn't matter. So give it up. Give up that bullshit. Why are you latching on to the it's a construct that shouldn't matter? Blah, blah, blah. That hasn't got you anywhere.

49:49That hasn't got you anywhere, so maybe we try something different. Like what? Oh, my goodness. Like thinking that making your payments might actually have an impact, might actually be important. Okay. City Double Cash, we got$3 ,650. Okay. Three cents. Takes 12 years to pay off minimum monthly payments only without any purchases, but you don't make minimum monthly payments. You were late. There it is. Fees and interest. No, I got that card to like put some of the Discover amount on it and then I racked up the Discover one again. I'm sorry. You transferred from the Discover and then built up the Discover again.

50:23Yes, sir. Again, this is why I don't like bankruptcy or consolidation or credit card transfers or personal ones to take care of debts until we change our behavior. Your behavior is out of control. You're out of control. You are insane. You - I'm a wild gay. No, it's not cute. You think you're being cute and silly. You're not. That is not a cope to fall back on. It's not. You are an actual person on this earth. You get the choice to live a better life. You are actively choosing not to. And then you're like, ha ha, I'm a silly gay. Off with that bullshit. Off with that bullshit. All right, all right.

50:56All right. Why not make your minimum on this, please? Because I felt like money could go towards other things like my gas or like my food. But it went to Galinda. It went to wicked stuff, yeah. It did. It did. The ship doesn't benefit you. It's nice. It doesn't benefit. It doesn't have a long-term impact. I mean, it benefits me emotionally, like mentally. No, mentally. You remember when you said you were too stressed to look at your debt? Yeah. Mentally, not having debt, having a fully funded emergency fund for the next time your job was for a month. That would benefit you mentally. You know what?

51:30You're right about that. That would benefit me mentally, wouldn't it? No shit. No shit, dude. Oh my God, Caleb. It's crazy. It's like you're right. It's like you know what you're talking about. That's crazy. That's wild I don't know You're making me have Less hope No Than I normally feel in conversations I mean you've only missed your payments for three months So you were doing So at least you made payments on time this year Why haven't you recently? Because you weren't doing it Because I lost the job Okay how much were you making in that job? I told you I was working like 50 hours a week I don't give a f*** how much were you making Like, okay, I worked it from, like, November of last year to, like, May.

52:15Why can you not tell me a number, dude? Because I don't know, Caleb. I told you. I don't look at that shit. Like, I don't look at it. But your complaint is now you're not making enough. How can you even say that if you didn't know what you're making? Because I wasn't making enough. Like, I just, there was no money coming in. I don't know how to put it. When? When I was in this sales job from, like, November to, like— No, now you're not making your payment. Now. Correct. You have this year. Now you're not. Correct. So what is going on now? Because it goes to other things like my rent and my car payment, my actual bills that I really need to pay.

52:55Which is why we had$800 of miscellaneous bullshit last month. Yeah, that's great. This doesn't make sense, dude. What a culp. What a f***ing lie. What a sad excuse of an existence. It's very sad. yeah but you don't give a or your shell is just such an immense co-shell that it's horrible listen gays are traumatized no stop with this I know you said you're not a mental health person but like not a mental health person what do you mean well like that you're not like a therapist well no shit obviously and like people come on doesn't mean I don't support mental health well I know I know daddy chill what the hell is even that like you just take it you hear what I'm saying and then you just like run with it and like take it to like the fucking extreme.

53:41Like, yeah, I got scammed three times. Yeah, I spent$800 on wicked stuff. But like... Thousands on wicked, by the way. Shut the fuck up. I'm a person too. 800 miscellaneous. Barely. Listen. Barely, I know. Listen. What were you saying? Every gay has trauma? No. Shut the fuck up. This is not the world we live in anymore. Shut up. I'm sure some do. Some come from shitty families. Some might get bullied in school. I don't know. Come on. You can't just fall back on that. You can't. The nerd gets bullied. The les gets bullied. You know, it's whatever. They're not going to fall back on it for the rest of their life.

54:23This is just so stupid. I mean, you have finance purchases. I also. Yeah, balance transfer is$2 ,207 of it, but$1 ,384 was spending on bullshit as well. Well, I told you I moved in with my sisters. Mal's transfer interest-free period ends in just a couple of months, and then you're f***ed. At least it's not deferred interest, but you are going to be f***ed very soon. Yeah. Just not in real life because you can't get laid. Like in a bad way. Oh. Go to the gym. Will you be there, though? Hmm? Will you be there? Huh? You go to the gym. Dude, you're f***ing. Something's wrong with you. A lot. If you couldn't tell.

55:03Quicksilver. Oh. Yep. Not making payments. You're a failure. Yeah. I can't wait to talk to your. To my lesbian friend here. Yeah, in the post show about how her friend is an actual failure. Maybe she can hold your feet to the fire. She has. Like she. Uh-huh. Like she does. She keeps. Yeah, it's working so well. Well, right. It doesn't work because I don't follow along. But like she does like. Keep on me when she like can. But. Quicks over$3 ,219.79 Minimum fee payment 312 Because we're behind I'm going to say 150 I don't know is normal Sounds about right Late fees interest 17 years to pay off 17 years Well that's if you actually make your minimum You don't So no much longer Actually I would say Who knows if I'll even be around that long The world is dying Are you terminal?

56:02I don't know The world is dying? The world is dying, Caleb. Global warming. I missed that news. Well, I don't think people say the world's not going to exist. That's not what they say. Yeah, a lot of people say that. I don't think anyone says that. In Omaha, they do. In the middle of the country? Away from the coast? Yeah, we're landlocked, yeah. A lot of Jesus freaks up there. Uh-huh. So what was this card used for? You racked up an insane amount of money that, of course, now you're not paying. Oh, good. Drake, Taylor Swift, Pitbull. Yeah, I saw Taylor in concert on the Aeros tour. Obviously, you had to go do that.

56:43Yeah, I love to spend my life for a billionaire. Yeah. She's gone. Yeah. You're not a Swifty. It's fine. I mean, I don't care. I'm not anti-Swift or pro-Swift. I did see the other lady. I just watched the video. I'm glad. I don't give a f***. I don't care what you've done. I do care that you've gone to Taylor Swift when you couldn't afford it and you fucked yourself this is Taylor Swift right here actually this is a bracelet yes you've helped contribute to her billions because you're easy to milk we got it very easy to milk you want to find out? I have to ban these jokes like what is happening?

57:17it's okay and then you're going to Colorado soon and you've already paid for half the trip but I don't know yeah it's like a skiing trip you're over maxed out by hundreds of dollars you're not making your payments you're going on a ski trip? What kind of privileged, disgusting creature are you? Who thinks you deserve that? Who thinks you're entitled to that? Q, go back to Omaha, dig a hole, and die. That's the nicest thing you've said to me all day. This is just, you're contributing nothing. You're taking everything, and then you're going to ask for a handout and cry for sympathy in your future.

57:48Q, taking money from your parents? Q, making your sister stressed? Q, what is wrong with you? Colorado. Who are you to go ski? What a disgusting animal. I'm actually not going to ski. I'm just going to go have fun. What does that mean? What does that look like? What are you doing? I'll just hang out with my friends. It's a big friend group that's going and they're going to go skiing. Are they from Omaha? Yeah. So that makes it harder for you to leave. Yeah. There's no way Omaha doesn't have a halfway decent... They have opportunities there. It's not like a major tech hub or anything crazy, but it's like they have opportunities in the largest city in Nebraska.

58:24I'm assuming. I'm not very... Do you have a degree? I do have a degree. What's your degree in? Psychology.

58:36Why? Well, like every other person that goes into psychology, I wanted to find out what the f*** was wrong with me and why I was the way I was. Well, you're gay. No one cares anymore. Well, it was more than just, like, the gay stuff. It was more like... Sure, let's go with that. and just like the simplicity of like... Yeah, it's your behavior, big guy. It is my behavior. Your full behavior. I don't want to f***ing hear it. I need like... I don't want to hear it. I don't want to f***ing hear it. What's wrong with me? F*** you. It's your behavior. It's your choices. It's your actions you're taking by choice.

59:10F***ing Galinda wand. Well, taking your parents' money. It's disgusting. It's immaturity. It's you. A horrendous individual. Okay, well, I'll get you. an actual certification in a career field that has benefits in course careers. You choose which one you want. A lot of people out there have used it to get raises or get new jobs. Really? So I'll gift you one. Really? Yes. Sweet. Thank you. And you should use the Fizz card if you're going to use a credit card going forward. A what? It's a debit card that builds credit. Fizz card. Debit card that builds credit. It doesn't let you spend more than what's in your checking account because obviously you cannot manage credit cards with shit.

59:49you're not a credit card person, fuck off, die. What? This is correct, and I was just going to say I can't, like, I have a really bad credit score, as you could probably assume. What is it? So, like, I sent the thing, I think, to the producers of, like... Then I will see it, okay? Then I will see it, okay? Shut the fuck up. Oh, my God. Oh, like, four missed payments this year so far, which, again, means you were making payments to some point. I don't understand where the transition happened to not making payments. I decided one day I'm not going to pay him. Care credit. What's happening? My cat had a bladder obstruction in April.

1:00:24You have a cat? Yeah. Q, you can't afford a cat. What a selfish person. I got the cat with my ex-boyfriend who I told you about that I moved in with. And he didn't pay for anything on it at all, by the way. Let me see a picture of your ex. Oh, okay. Yeah. If I haven't deleted all of them yet. Okay, normal minimum is$71. You owe$2 ,169. It's at its max. No surprise. and we're past due two payments. We now owe three. 13 years to pay off minimum monthly payment. Social media exists, you dumb tit. We like putting pictures of everyone's ex on screen because you know how well they can pull. Let's find out.

1:01:03This is insanity. Literally, we're four cards in here past due on everything. You're not doing shit. All while milking other people and spending money on which is bullshit that doesn't matter. Regrettably, you're right. Huh? You're right. On? Everything you just said. Then why aren't you doing anything? Because I just, like, gave up. Like, I just feel like there's no f***ing hope. Oh, no. I probably deleted all these f***ing photos. Just f***ing Instagram. Are you stupid? I don't follow him anymore. You can look people up if you don't follow them. You are. What is wrong with you? I swear. Sometimes.

1:01:40Whoa. I know we get the bottom of the barrel. All right. All right. Let me go. Jesus Christ. If you're capable of using Instagram, come on the show, CalebHaneman.com slash apply. I'd be happy to take a look at your ex so I can see what you're able to pull. My goodness, it's usually a fun little detour in the middle of a bitter conversation of insanity. That was the first one. That's Doug.

1:02:02Looks very similar to Brandon. Stop, stop, stop. To Brandon. And you like the Brandon. I do like the Brandon. Hey, Brandon. He just nodded at me. but he sticks it in a hole he's like you he sticks it in a new hole every night you might be able to play some convincing games Brandon do I got a chance? no a fatter Brandon fast no well actually the dude's not like oh yeah definitely got the thickness but it's really in the cheeks more than anything um Brandon why are you being homophobic over there why are you saying it's homophobic not to fuck this man I'll wear whatever you want Brandon You'll wear whatever you want, Brandon.

1:02:44Or nothing at all, if that's what you want.

1:02:51Sexually assault Brandon next. So, yeah, that's my... Instead of me. Which, I have more tea on that for later. No, thanks. No, you're going to want to hear it. I don't give a f***. Your lesson involves finances. I don't give a f***. Oh. You just say that. It's a promotional balance. Deferred interest. Oh, f***. Deferred interest has in... Oh, the care credit? months. Oh, you're so done. You're so done. Yeah, so my cat had a bladder obstruction, so he had to go to the ER. Yeah, you already told me that, are you? Yeah, but I didn't tell you how much it was and shit. Well, I have the balance. All I know is you are having deferred interest that is accruing hundreds of dollars, and it's all about to hit in a couple months.

1:03:27What is deferred interest?

1:03:32Is that like later? Like it comes down later? nobody ever told me this stuff mind you they probably did no one ever tells anyone no one ever tells anyone it's on you to learn you're an adult me okay i need to stop here's the thing your minimum payment is 71 you're not even paying that so that's issue number one issue number two you need to make 425 to pay this off before the deferred interest period ends let's explain it there is interest free this in five months if this was interest free you're not paying interest on it right now. It's not accruing. It starts accruing interest on whatever the balance is once the interest period ends.

1:04:09Deferred interest means it is accruing interest behind the scenes and all of that immediately gets added to the balance if you do not pay it off completely by the time that date ends. That's kind of messed up. It accrues interest and then it'll attach. But if you pay it off before the deferred interest period ends, you don't have to pay interest. Balance. Balance. The interest isn't accruing to the balance. Don't throw your calculator at me. I didn't. I put it down, you sensitive little bitch. Listen, the thing is, that is not being added to the balance right now. It gets added to the balance if you do not pay off the balance by the time that ends, and that is five months from now.

1:04:48Yeah, that is. Do you understand? You asked the question. I explained it. Do you understand? I'm not getting much from you. That I need to pay the balance off. No, how deferred interest works. It accrues over time and then it will attach itself to it if you don't pay off the balance. Yeah, by the date, the end of the promotional date. Okay. You get it? Yeah, I think so. Okay, it happens beginning of April. Great. Yeah, you got to make a payment of$4.25 a month or else your hundreds of dollars gets out of due to your debt. Hey, we'll work on it. That's why I'm here. You'll be above the balance like crazy.

1:05:27We'll work on it. Dude, you're not paying. You're late. Again, you're endlessly late. We're four cards in and you haven't paid a bill. You're a mess. You're a joke. You're a disaster. You're an embarrassment. You're a failure. I'd be ashamed to be associated with you. And unfortunately, now I am. NFM, what is that? No money. Just kidding. It's Nebraska Furniture Mart. It's like a... So you had to get brand new furniture. You had to get brand new furniture to move it to a place you can't afford. Actually, there's no furniture on this card. It's my laptop and AirPods. What do you need a laptop for, Bill Runner?

1:06:10I gave you a$4 ,000 limit. The laptop I had was when I'd used all throughout college, so it was like super slow. What is your laptop? It was super heavy. What laptop did you have? Oh, it's like a, wait, before? Did, yes, did. What do you think the word did means? It was a 2013 MacBook Pro. Okay, that's definitely aging Intel-based. It's like a 15-inch one. I get it, okay. I wouldn't even get like system updates anymore. Yep, yep, yep, yep, yep. So I'd want to get a new computer too. Depends on what you get. What do you need? What did you get? What did you get? You're going to be so mad. I will.

1:06:40What is it? It's like a 2024 like MacBook Air. Oh, okay. Well, okay. Actually, no, I'm not freaking out. It was like$1 ,500. Okay. Well, you got it more upgraded than you needed for what you needed to do. Absolutely. I would have got more towards about$1 ,100. But at least you didn't go MacBook Pro because someone like you does not need one. And that is all I'm saying. Correct. So I'm glad you at least got the air, but for sake, you upgraded it more. I'm finally glad about something I did. Oh, my God. You still spent hundreds more than you should have, though. And I'm being told the lesbian was so mad.

1:07:11Mad at what? Get in the laptop? Why is she even friends with you? Honestly, I have no idea. If she hates the way you live your life, why is she accepting this? I don't know. Lesbians, I don't understand them. Do you? I'm hoping to convince her, but no. I don't know if I understand her. That's my friend we're talking about. So, like, I need you to, like, just. I would stick it in She wouldn't like that No, but I would With consent Hold on Hold on, to be very clear What did we just talk about here? Come on, leg toucher, shut the fuck up Who just came in here to talk about consent? HR I said with consent, you creature You beast, you're the one rubbing people Weirdo You liked it though No, and I love rubbing people I'm very much into So, okay, come on.

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1:09:53I really don't deserve anybody that's helped me. Agreed. Because I'm just. You're horrible. You're a moocher. I. You're a disgusting parasite on this planet. I am a parasite. $1 ,348.61. So, and you said AirPods as well. Of course, can't get a MacBook without getting some AirPods. Seven years to pay this one off. $54 minimum fee payment. Of course, fees and of course, interest. This one I kind of pay off when I can. Like, you know. Why selective this one? Because, yes, you made a minimum payment. Why selective this one? When it's a lower interest rate than all the other ones. Why? Because it's 18%.

1:10:26Is it great? No, it's f***ed. But it's not in the 30s like the others. So why this one? What is your logic? I guess I don't have logic. No, tell me why you're choosing that. It was because if I pay it off within the year, it will. Oh, no. Oh, no. No, why? I'm trying to listen. I'm sorry. You're just like over there like reacting. Yeah, I'm trying to listen to your re... To my explanation. Okay. What was I talking about? Why are you choosing that card to put the minimum payment to? Because when I bought the laptop, it was like, it's like 24. It was like a 12 months interest free if you pay it off in time.

1:11:02But clearly I have not gotten close to paying it off. So she's just chilling there. What? I just, you're, just the way you live your life is a mess. That's what I'm looking at. You're in a debt program. Well, that says debt. You got into a debt program when you're building all your debt back up again. You fucking moron. What is wrong with you? I like debt relief programs, but only after you change your behavior. You moron. Well, as you saw, the minimum payments were quite a lot. Is that for all these things? It's maybe. Oh, every debt we talked about is now in a debt relief program? No. Huh? what is going on?

1:11:49Yeah, I'm being told no. So this is past that. Are you able to just say words? Do you know what's happening? I guess I just don't even know myself what it is. Like I put in some cards. So it's like paying off a balance. And then I like brought the balance like right back up basically is what happened. $128.72 on a monthly basis. Are you at least paying that shit? Yeah. Okay, you owe$14 ,074. And this goes from, yeah, a Capital One we don't have, a different card, a Synchrony card we don't have. Yeah, this is... What is wrong with you? It's a 48-month plan. Bees! Annual basis, 6.25. It's better than 30 % interest rates that were probably associated with it, of course.

1:12:40But it doesn't matter because you racked up all your debts again. So it doesn't matter. You've just ruined yourself again. You didn't use this as a tool. You f***ed it. F***ed it. Why? What was the point without changing what you actually did? There wasn't a point, I guess. You were just rushing for a solution. I was. Just like you're f***ing. This isn't a scam necessarily. You just scammed yourself. Just kind of like the other things. The other things were actually scammed, but you were stupid and you fell into them. This isn't a scam, but you've scammed yourself because you went into it, you built up debt again, now you have doubled the debt and you're...

1:13:18Yeah?

1:13:21I'm... What do I do with that? What do I do with that? Because I'm not convinced you give a shit. Because you're still spending money on bullshit today. This Galinda dumbassery in a Wicked's about to come out part two and you're really going to go overboard. Like, I don't know what to do. Your income sucks. Your income sucks. sucks big time. Yeah. It's all right. No. No, it is not. My other job that I had this summer was$17 an hour, so that was like shit. Hey, you didn't even get the job yourself. The lesbian got you this job because you weren't working. You can't produce anything. You're not a provider.

1:14:00You're a leech. You're nothing. Yeah. I rely on others a lot. I'm very codependent, I guess you could say. And how do you feel about that? Because I would be embarrassed and want to change my life. I mean, it is embarrassing. But like... But you're not willing to do anything. So you're embarrassed, but you just live in it? I wasn't willing to do anything, but like, I now realize that like I need to. Yeah, median hourly wage in the Omaha metro area is$30 an hour. You're two thirds. You're not doing well. You're not doing well at all. That translates to$62 ,900 a year. Yeah. And you have a degree.

1:14:43Like, it's insane. Tell me something I don't know. I don't know. Well, I don't know what you know and don't know because you honestly are pretty stupid. Is that all your debt? Well, in my car. I have like 13 grand on my car still. Dude. Oh, my gosh. Okay, let's see this car. It's this, yeah. Oh, this is it. I thought this was the consolidation because it's the same balance, basically. So I thought, oh, what are you doing? What is the car? What car do you have? What car do you have? It's a 2018 Subaru Forester. It is a salvage title. I am full-ized, yeah. And I wrecked it twice. Well, I only wrecked it once and I got into a fender bender myself.

1:15:32What is wrong with you? I'm gay. No, you can't fall back on that for everything. You can't. I was looking at the sunset and I was not looking ahead of me and I hit a median. $14 ,025.46. And I like f***ed up my front end. Like my wheel popped. Like my bumper came off. Like it was bad. Like it was very bad. Why are you getting car crashes? Because I told you I was looking at the sunset trying to take a picture. $345.11. Yeah, that's every month. Well, no shit. Yeah, your minimum repayment. No shit. Dude. Yeah. Yeah, it is. What's the interest rate? I think like 7%. Colton's also saying that's the gayest excuse for a car crash he's ever heard.

1:16:10What, the sunset? Yes. I mean, that's what happened. I was in awe. Nebraska has the best sunsets, that's why. Yeah, that's what everyone knows and considers. Guys, go to Nebraska for the best sunsets in the country. Agreed Yep I'm sure it's better than Florida And The Texas Rolling Hills Or the Blue Ridge Mountains Or the coast of California Beaches of Hawaii Well I can't really speak on those because I've never seen those Okay great so we can say this is the best Yeah What do you think this car is worth? Like 10 grand Do we have it?

1:16:59Why don't you give us the vent asshole I have it. I guess I did not. I'm sorry. You can't send statements. Can't send VINs. What the f***? Who knows? I'm sure you have a dramatically negative equity position in this car. And the interest rate? Seven percent. Okay. It's on the teetering edge of horrendous or not horrendous, but it ain't good. I'll tell you. It's fine. I don't care. Do you need the VINs? No, it's done. It's done. It's done. It's done. We're moving into the checking account. That's all your debt. No student loans? No student loans. Good. How'd you do that? I paid for school, like, out-pocket up front, and my parents helped me, and I lived at home.

1:17:39There's the real answer. They wanted me to get the college degree, so I did. And it still didn't get me a good enough job, and I'm probably blaming the degree on that as well, and not myself for, like, applying myself as hard. Well, the degree isn't great in this job market we have right now, but you are correct, because you can build up a little experience after the degree and still pursue good career paths. You're 26 now. You're not 22 anymore. Okay,$265 in this checking account, so I don't know why you can't make minimum payments, but okay. Apple bill, Prime Video, getting some bullshit. What are you stopping in and getting$2.49, huh?

1:18:18Where? I don't know. Well, this one's$3.65 Market. Was that Whole Foods? I don't remember. But you stopped in and you got something for a couple bucks. So what's that? That ain't groceries. That ain't groceries. What do you get in? What do you stop in and get some bullshit? What is that? From 365. What is it? When you stop in and get some bullshit, what is it? Like a coffee or like Coke or like food or like. What a joke. Buddy, first of all, make your coffee at home. I do. It's cheaper. Well, you better. And now make your energy drinks at home too. Instead of getting your Coke stuff. They have a cola version.

1:18:53They have all the flavors. It's really good. this gamer subs 25 cents a serving 10 off link in the description below or get your free samples with code caleb energy drinks at home coffee at home no more going in against the bullshit and it tastes better too so what the f*** are we doing this is so stupid amc amc apple bill apple bill i'm okay with google one fandango prime video he went in and got some bullshit make your energy drink at home make your pop at home apple bill going in against some bs apple bill. Xbox. New from Mart? I don't know what that is. Council Blufford? Council Blufford? Council Bluffs.

1:19:33Council Bluffs is the Iowa town. It's like on the border. Are you giving them for I don't f***ing ton of money. Oh wait, is it$100? Yes. Okay. I got like a ticket from Council Bluffs. Park? They have like traffic cameras. No, you don't. I do make coffee at home Mecca if you go to Mecca they will literally throw you off a building where's Mecca Cash App McDonald's going in and getting some bullshit getting into BS Vapor Maven yeah of course what a what's wrong with you people I really don't understand Kohl's Burger King you're all the same Kohl's Burger King Fandango again Revival House you're spending so much on bullshit going in and getting into BS venowing out money probably paying to get railed Venowing out money.

1:20:21Stop it in and getting some BS. Prime Video. McDonald's. Pull up your phone, dick. Pull up your phone, dick. Dick, pull up your phone. What do you want to see? 65 cents in servings. I will select what I want to see. All right. 65 cents. I'm not going through your photos. Trust me. I'm not an idiot. There's a hidden album if you want to go see those. Well, that's obviously what I just said. I don't want. You know, there is actually a weird double standard here. There really is. There really is. I obviously do not give a f*** that he touched my leg. I don't. Who cares? And I don't give a fuck that he's making those jokes, but if I did any of this to a woman, my career would be destroyed.

1:20:59Destroyed. And people aren't going to give a fuck about this. And I don't either because I'm an adult. Like, who gives a shit? It's a bad double standard. It's insane. Doesn't mean you should do it, though. I'd probably practice not being a weirdo. Okay, in the car on Amazon is a desk and chair. You don't need it. Shut the fuck up. You do not need a desk and chair, asshole. To work from home. There's the Glinda wand. There's a... I'm sure you're able... You're doing it now already. What am I doing? Working from home. No, I'm not. I'm still working in the office. Okay, work on your lap. What do you think a laptop is?

1:21:35You know what a laptop is? They gave me a laptop. There you go. And I got a monitor, but I don't have a... I don't give a fuck about that. Nope, don't need it. Put it on your kitchen counter, kitchen table, anything like that. Come on, that's what everyone does. Shut the fuck up. keyboard mouse, coffee machine brewing basket bullshit, and the Glenda Wanda of moronic and dumbassery of stupid. This is so stupid. In the subscriptions, Apple Caramel K with that, Apple Music, you can have one of the music things, and then iCloud, this isn't the worst. We did have Apple One, MyOQ, Apple TV, Apple Arcade, Amazon Photos.

1:22:08What? And Flitch, self-care pet. Finch, do you know what Finch is? Nope. It's a self-care pet. It's really cool. That's what I just said. It was self-care, Pat. But that did not... You are an actual beast. Okay. Did you put your number in there? I would be canceled. I would be so canceled if I was doing this to a woman. I would be destroyed. Our culture is so backwards. Because you shouldn't be canceled for this. You can be made fun of for this. I'm going to be made fun of for this. Good. You deserve it. But also...

1:23:14vary by state. We should also be able to tell them to shut the f*** up at the same time. Like, there is a middle ground here, guys. There is a middle ground. 97 cents in savings here. A joke. 170, or any balance 223 in retirement. What a f***ing joke. Embarrassment. A sad excuse of a human. Okay, your income is $2 ,400. Let's get these debt minimum payments if you're actually an adult. $345.11 for the car. The Beyond Repayment Service,$128.72.

1:23:55NFN. NFM. Yeah, M, okay. $54. And we have to make$425 to the care credit so that it gets paid off before deferred interest hits. Quicksilver,$150, probably, once you catch up. Citi Double Cash, probably$150 once you catch up. And then Discover,$150. That is debt minimum monthly payment of$1 ,402.83. That's just for debt? Yes. Chunky, chunky$4.25, so you pay off the credit before the deferred interest hits. So we honestly probably won't be able to do that, and we've got to absorb it. So we might have to take it down from$1 ,402,$1 ,402.83 minus$4.25, and then to the normal$71 minimum monthly payment.

1:24:44So, or$1 ,048.83. What's your portion of rent?

1:24:56$680. Your portion of utilities, internet, gas, electric, all that good shit. I literally had a book written down with all of this shit for you. Dude, come on. It doesn't have to be an exact number. Come on. For utilities,$120. Okay. That's my half. Your phone bill. My parents pay for that Okay do helium if T-Mobile is good in your area Once you are done Helium? Okay I do have T-Mobile Well there you go that's a much cheaper version Same service Okay transportation How much? Well I do live closer to the How much? Sorry It's$40 to fill up my tank I'd probably fill it up twice a month now So$80 My insurance.

1:25:43$235 a month. This is already getting beyond tight. Yeah. $300 for food. Use the meal plan that comes with the budgeting class when you take it. Oh, someone's pulling up.

1:26:02Take the program and then do the meal plan. It's totally fine. It's based on HEB here, but you're going to have something similar there, especially like a Walmart, TP fund, anything else you need to survive,$100. I can throw an extra$15 for prep if you need it. Ha ha ha. Medical healthcare. Oh, prep like prep? Like HIV prep? Yeah. That was a funny gay joke. I mean, don't a lot of, doesn't like everyone take prep these days? Dude, if you're taking, if you're slinging cum on Grindr, take prep. Hearing you say slinging cum is crazy. Really? Yeah. I say degenerate shit every 30 seconds of my life.

1:26:35Yeah, but like. That's almost the most normal thing that came out of my mouth today so far. I know, but like I'm across from you and like I got like the full rage face and everything and you're just like talking about slinging cum. Are you not taking prep? I was, but no, I'm not. Now you're just not getting any. Correct. So you stopped taking it? I called it, by the way. I stopped taking it before I stopped getting it. Why? Because it was like, it was one of those like self, like where you had to like swab yourself and every time I sent in the swabs, they were like, it was inconsistent. They needed like more of my swabbing and I just like could not figure out how to do it myself.

1:27:17I don't know what the fuck you're talking about, but okay. Well, you wouldn't because you're not gay and you haven't. Some people take prep as well, but I'm. Do you have to like swab all your orifices for that? When I do STD, STI tests. You're not taking up the ass, are you? No, but I still take tests. You still have to like test that? Well, swab what? I don't know what you're swabbing. They swab your mouth. They swab your asshole. They swab. I've never had an asshole swab, but I do a pee in the cup, blood test, and then something for my cheek as well. Yes. So STD, STI, of course, when we're having fun, yes.

1:27:50Absolutely. Got to be safe. Okay, how much for health care? How much? Dude, how much do you spend on medical on a monthly basis? Co-pays or whatever? Therapy? I don't know. Well, since I just turned 26, I got kicked off my parents' insurance. Good. Now I have the health insurance through my new job. Okay. Which is like an HSA plan. HSA is a health savings account. Yeah. What are you talking about? Okay, dude. Okay, that gets taken out before your net pay. But I'm saying co-pays. Do you have an ongoing thing on a monthly basis that requires co-pays? You're struggling with this question more than anyone ever on this show.

1:28:29Let's say like$130. Okay,$130. Jeez. Okay, I'm assuming that's like therapy and shit. Is there a gym? No. What, you got something to say about that? Yes, you're fat. Go to the gym. Okay, I'm going to put in$30 for the gym. Subscribe. Do you not want to get healthier? I do. I do. There you go. I do. I'm sorry. Again, the budget-friendly cookbook and the meal plan. Do you have like a little like workout thingy too? No, but you have. What? That's not finance related, but the food part is. Subscriptions, I will try to do$30. Let's see if it works. Let's try to do$40. Okay, pet food, how much? It's just one cat, right?

1:29:10It's one cat. How much for pet food? $40 is a bag. Okay, what's the age and health of the cat? He is four years old. Okay, pet insurance,$50, because obviously you can't afford shit when shit happens. Anything else that needs to be in your budget that I need to take into account before this is done? Like the debt to my old bank, because I think that went to collections. that$5 ,000 from the Sugar Daddy scam thing. Is there a monthly payment on that? No. How does the payment work back? What have you talked to them about? I'm not paying it. I paid a little bit of it. Like I would go in because they closed my account with them.

1:29:48So I would have to go into the branch and be like, hey, here's$100 towards my closed account that got closed by you guys. And then I stopped doing that because I decided I didn't. Okay, well, we're not really freaking out about collections right now. It's not great, but obviously it's holding you back your credit. Okay. You're underwater on a minimum monthly basis by$453.83. And that's with making your required minimum payments, not the minimum payment that would be needed to pay off the, I mean, it's clear that obviously you need to fix your behavior is number one, or else there's no point to anything, even if you make more money.

1:30:22But number two, it's time to actually look into getting into a career, a career that you like, a career that is dignified, a career that you can see a long trajectory on, something you can move up the ladder and bring in money. Right now, you don't make shit. You need to make money. Right now, you're going to go get a second job to be able to at least break even and hopefully start bringing down the debt after you change your behavior while you're looking for a more full-time career position. That's what you're doing. Maybe you take a certification to course career. It's something you desire, an actual career field that isn't psychology.

1:30:58Psychology is a career field. Not much you can do with just a bachelor degree. As far as I know, though, you might have to go back. But either way, I don't want you to go back. And certainly, I don't want you being the person talking to people that need help. I mean, come on. Okay. You're not wrong. No, I agree. No, I'm not. So you're going to go make more money right now with a second job. You're going to bring in an extra minimum.

1:31:24$453. I'd bring in an extra$750. 50 bucks, you're going to work your ass off. You're working 60, 70, 80 hours a week. You're grinding to pay off this debt. And then maybe besides the Subaru and the debt consolidation, maybe you'll be able to pay off the debt in a couple of years, but get into an actual career field you like, and then change your behavior while you're going through that process and start buckling down, paying down the debt, build up an emergency fund. And then you need to catch up on retirement too, because that's going to be heavily delayed going into your thirties and forties if you continue down this path.

1:31:53But again, all this is broad, easier said than done. None of it matters if you don't change your behavior. So follow the budget we made. Go work a second job right now and start, take some career assessments and take, you need to get a better job. There's lots of things that are easier said than done that need to be done right now. But that's, those are the things you have to do, have to do. Joining us in the post show, we're going to bring in the lesbian and we're going to talk about some more things. We, I guess there's always extra shit. That's crazy that I find out. It's wild. Let's get the Hammer Financial Score first.

1:32:23Spending it in the budget, you're overspent, 0 out of 10. You have collections, 0 out of 10. Emergency fund, there was nothing in savings, 0 out of 10. Retirement, I'm not even considering that. Anything 0 out of 10. Real estate, you have nothing 0 out of 10. Actually, retirement is a 1 out of 10. 1 out of 10 because the lease is there. Hammer Financial Score, 0.5 out of 10. Get yours at CalebHammer.com. Now click that join button. Join Hammer Elite for an extra 20 minutes of this episode and every other episode with the Financial Auto Post show and three premium shows posted every single day, Monday through Friday.

1:32:51I'll see you guys there. Why are you friends with him? He's a mess. He is a mess. I kind of can't get rid of him. What has it been like being his friend and watching him like circling the drain? Seeing all the decisions he's made in life. I try to steer him in the right direction, but he just won't go in that direction. Camera Elite is the best YouTube membership on the platform and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.

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