He's Back... | Financial Audit

26:55Strawberry?

26:59Not half bad, huh? That's pretty good, dude. That's pretty good. I'm a fan. Who did this? H-E-B, probably. Nice. We love H-E-B, buddy. but again just because I feel like I you're saying things out there that like snarkers or any hit piece type of people would love to repeat I have to say it it's just a general contract out of LA that pretty much most any and every type of show uses I'm just reading it I'm like wow wow a legal contract to come on a show that every other show uses okay yeah that is very surprising I mean, I usually try to review documents I signed. But before the last episode, y 'all were filming me while I was going over it.

27:46You sprung it on me. We did. And that's actually a little bit of duress right there, which can, you know, weaken the validity of the agreement. And then in the middle of it— Well, good news. We got you now. Ah, you got—yeah. It's better this time. I had time to review it. Yeah. But then in the middle of the episode We're like an hour and a half in And you're like Oh I'm like can we wrap it up And then you're like Well you're not going to get your money Noah Chrysler was there He was there And he agreed that that was wrong Is he here now? It's good that you have a better production team now He was objectively fired For being a nuisance in the office And yelling at people constantly That we have on security camera I don't know.

28:33I wasn't there. Of course not. You're just trying to use that to try to get a leg up by trying to have some online drama. I'm not trying to get a leg up. Listen to the words you're saying. I'm not trying. I'm actually defending myself and criticizing your show. But you're unable to in a factual way. No, it is factual. It is factual. You threatened to not pay me. So do I get the answer now? On that episode after we already filmed an hour and a half. I'll answer it in 30 seconds. And you threatened it. And I said, well, we have an agreement. And you said it's not contractual. You don't even know what a contract is.

29:06It's a meeting of the minds. That's the proof in business law. He's still getting through it. Let him get him. This is business law 101. Yes. It's business law 101. Have you concluded? Yes, go ahead. We agreed to film a full episode in order to get the compensation. He was not doing it. He was shutting down and not talking. So, of course, he wouldn't get paid for filling out his contractual agreement. F*** you. That's the literal reality. That is not what happened. That is not what happened. Not at all. You someone who... You threatens to withhold at all. I just... I took a break, a little bit of a break, dude.

29:36Man, this is so adversarial. It sucks. It just blows, dude. This is why I don't like this show. Did you put laxative in that? I just don't. I don't like it. You need to go to the bathroom real quick? Yeah. Are you farting right now? Yeah. Go. Go, go, go. Matthew, help him. I'll be back. Feel better. first of all that was the quickest poop I've ever seen I just had to pass a little gas better out there than in here right feels better yeah absolutely I mean we know how sensitive your nose is I am actually very sensitive to smells it is very true so yes to clarify just like any agreement for anyone would get paid to do something usually we do flat reimbursements for guests just to help them from travel they don't have to complete Is that a fart?

30:30I might have more. No, I'm good. I'm good. I'm good. I'm good. I'm sorry. This is fucking stressful, dude. Okay, okay. We can tell you a second. It's fucking stressful. Okay. We don't have to do anything stressful. Dude, I... You can tell me. I'm willing to hear your story, as always.

30:58I'm freaking out. Okay, step outside for five. Please. It's a parmish.

31:12Okay, so... You're trying to get false sensitive. Leslie Nelson used to take one of these every late night show he went on. It was his bit, and he actually kept it with him everywhere. So you're trying to get false sympathy. by pretending to have a panic attack. Whenever somebody was being a little too pompous, you just go... It's a great comedy school. So yes. Again, everyone gets a flat reimbursement. You, we had, because we know you're a struggle to film with, we had to tie your payment, which was larger because you're a big guest and you provide big numbers. You're loved in the community. to a certain point.

32:01So we had to, yeah, tie the number to it, of course. And just like we are now, of course. Are you kidding me? Absolutely. Willing to fully admit anything. And then you bring up that Noah's upset with the episode. Of course. Dude, he got fired because that guy right there had a financial audit. He blew up on him and it was on camera. He was endlessly yelling at people in the office. He was a bad producer. He didn't create a backlog. Lindsay, who replaced him, now has the largest backlog in financial audit history. He is someone who's gotten multiple episodes in the pipeline that have already been filmed.

32:34It's a full month. He was fired from the job before mine. He was fired from this job. He's a bad employee. He is just like any other bad employee that gets fired, they get upset. I'm just saying he witnessed our dispute last time where you threatened to say you're not going to get paid. For not completing the job, yes. I wasn't even threatening to walk out. No, you were just shutting down Not Talking. That's not a podcast. No, because it was not actually rolling. I don't know. I feel like something was creatively rolled. Dude, you were just mythicizing this. I don't know. I was also, I just stepped out of my car and then immediately pad down and then sign this, sign this, sign this, and then the camera's all rolling.

33:19I didn't have like a, I don't know. It was rough. I mean, it was hard. Well, I would accept any valid criticism, and that's actually valid criticism. That is fair. I'm glad that as we continue to grow, we'll always become more and more professional. We're up to 40 employees now, so everyone brings levels of expertise and stuff. Obviously, from not getting you water in my condo by myself to having a producer who couldn't do his job last time to now a better and better team, yes. So I apologize if you felt on the spot. I really do. Thanks, man. Yeah. Look out. Look where... Well, yes, because if you provide valid criticism based on reality, I will accept it and acknowledge it.

34:01The other bullshit was bullshit. So, your life, financially, how's it been? Because this is Financial Audit, after all. Yeah, I mean... Your favorite show. It's my... Top 10 on the internet, am I right? Boy. And you love that. I really don't understand it. But I don't understand a lot about... I'll say half the time I don't either. Yeah, I know. It's wild. I'm not doing great. I mean, I had financially. You came out with such positive energy. I thought you said everything was going well. Everything's going well in my life because I got sober. Oh. Yeah. First of all, what was your addiction? Oh, alcohol.

34:41Was that last time too? Yeah. I was binge drinking like every weekend. Oh, weekend. So we didn't film on the weekend. So you were not drunk during our hours. No. Okay, I was going to say, I didn't even know this. It wasn't that kind of a drink every day kind of thing. It was like always in my mind, I'm just working towards the next time I'm going to have a bender. And it completely consumed my thought processes to the point where I just felt like I wasn't being myself. Like I'd lost a point in myself. So in July, I checked myself into rehab and a mental stay. Good. July. Yeah. Very good rehab and it's gone well so far.

35:21It's gone great. Dude, well done, seriously. Man, thank you. It was overdue. Like I really relapsed during the pandemic isolation and that was five years ago. So it was overdue. So wow, five years of going pretty hard, huh? Yeah. I feel really good. Good. But that's just the sobriety talking, you know. Well, isn't that good? Is that good? That's the joke. Oh, I don't know. I've never had to do it. It's a play on the, that's just the alcohol talking. It's just the sobriety talking. You're ready for the late night show tour. Thank you, man. It works with the sobriety crowd. I identify as an addict.

35:58I identify as a recovering alcoholic, experiencing recovery while I'm in recovery. Absolutely. I just want to clarify that for the identity politics. We have to be really specific these days. Okay, yeah. I'm actually really proud of you. I didn't know that was an issue you were dealing with. them. So well done. That's really hard. Alcohol is one of the harder ones for sure. It's a beast. So how long have you been sober? July 28th is my sober date. Okay. So that brings us just over two months, right? Yep. I just got my two-month ship. Take another bite of cake. You deserve it. Thank you, dude. Absolutely.

36:39Yes, sir. Sober, I mean, that's something that I always got to take very seriously. What I try to tell people when we do financial audit or financial audit follow-ups, whatever it is, is yes, personal finance is very important, but mental and predictions, anything like that, that comes number one because there is. It can hamstring you. Yeah, that comes number one because if you don't address that, then there is no financial conversation to be had. Right. And if you're not going to be here in 20 years, there's no financial sacrifices. There's nothing to look forward to. Yeah, what's the point? There's nothing to build for.

37:11Yeah, absolutely. I feel like my earning potential is going to be, it's relatively unknown because I was binge drinking so over the last five years. So I don't really know what I'm capable of. So what is going on now? Let's see. I am working on a concept for an improv show, a game. Damn it. Damn it. What's up? I mean, it's fun. Yeah. I just really wish it was like... Because last time you had a big thing, you were 100 ,000 % convinced you were going to win this song grant. I've gotten grants for music before. Did you win the grant? I didn't get that one. You don't win all... You don't, but you were very confident.

37:59I know, but you've been in entertainment a long time. You know that everything does... I've gotten music grants from them before. They recommended a smaller sized one. And that one's kind of on the back burner right now because... Well, that's my concern because you bring this up, this game show idea. I'm like, can we just do a job? Yeah. What do you think I've been doing? Okay. Well, that's what I'm asking. That's what I'm trying to figure out. What have you been doing? I've been doing Uber Eats, which just sucks. Okay. Why are you still doing that? Because last time we established that wasn't going very well for you.

38:27I've been applying to like Walmart and Chick-fil-A and... But are you still doing the thing where you kind of go in there and be like, let's rework how Chick-fil-A works? That's not really the approach that I give, but I do wonder if I got an interview for Chick-fil-A, they won't actually, like, respond. But if I did, should I tell them? Wait, what do you mean you got an interview but they won't respond? How does that work? If I got an interview at Chick-fil-A, you wouldn't respond, or they wouldn't? Oh, I haven't got a response from Chick-fil-A. Okay. But if I did, I'm always, like, thinking, should I mention that I helped start, like, the protests against them?

39:08I mean, that's a pretty good point. You know? I mean, and we won. I would suggest no. We won. You did? Yeah. Aren't they the most successful fast food chain in this country? The foundation changed its political position on marriage equality. They don't attack us anymore. Well, so did pretty much everyone, though. Everyone kind of got on board with. I know. It took action and things. You think it was that? Or just like just culture just moving forward? It took action. They wouldn't just like do that like. Maybe, I don't know. I personally don't know. It's a dialectic. Politics is a dialectic. People respond, positions.

39:47You can guide people into stronger positions. You can take action into kind of creating the emphasis to a better position. For a lot of gay people, they just got to like, oh, my nephew's gay. Oh, maybe gay people aren't weird. No, we like gays. For a lot of people, that's just kind of, it was an evolution over a few decades. Right, but it also took action. What really changed Chick-fil-A's, what is their foundation, Cathy? Something like that. They had a foundation that was funding opposition to marriage equality. Well, they lost that one, so maybe they just gave up. Well, what really did it was when municipalities started saying that they can't rent spaces from their airports, from city-owned buildings.

40:37So no working for Chick-fil-A. It hit their pocketbook. What's next? Got it, yeah, yeah. Let's see. I am acting. I'm playing music. I'm trying to talk about trying to get a job. Oh, I'm driving Uber Eats. No, no, I know, but trying to get a job. We know you're doing Uber Eats. Yeah, I apply all the time for tons of jobs everywhere. I have your resume. Let's review it. It's in here? I want to review it because if you're applying for jobs, that's fantastic. Awesome, man. Thank you. I probably need help with it. You do. From a general scan. Alright, so here's a few pointers. Out of the gate. One, three pages.

41:22You're applying for Chick-fil-A. If Chick-fil-A gets three pages, they're burning it. So what should I put? One page. We're doing one page. Of what? Okay, this is for like a CFO. Does two pages. But what should I put? Well, we'll talk about that. Uber, Uber? Well, hold on. Because Uber's in there. We'll get to there, what you put on it. But just first things first. For what you're trying to do, three pages, one page. Like what job is this going to? That basket of jobs. Not a basket because you need to curate resumes very specifically. That is a part of the reason why you're immediately getting turned down.

42:01Okay, let's say digital strategist. Digital strategist, perfect. Oh, there you go. So freelance writer, I'd get rid of that. Digital media consultant, okay, I'd keep that on. Personality, get rid of it. Strategist, portfolio maybe. What is Medium? Give them a Medium link. Medium is a, it's started by the guys that started Twitter, Jack and... Okay, so nobody's using it. But it's a long form publishing platform. I would say it's like the sister to Twitter, but it's long form. With no users? I don't know their user base right now. It's just a blogging sort of tool. I don't know their numbers. So results-driven Media Pro has specialties in writing, infotainment, and content strategy.

42:47That's pretty okay. Shaping audience and user experience. I'm okay with that. Maximum earned impact for maximum earned impact since 2001. That's a little weird. Sometimes funny, always shipping. I'd get rid of that. No need for personality in here. Okay. Are you okay with that? Yeah, I just said okay. You're also talking about, and we cannot do this. I would do job by job because what you did 2013 to present, what you're doing through these bullet points, which is meant to be about the content media specialist or whatever, you have part-time Uber driver with 2 ,500 plus deliveries with 99 % customer satisfaction.

43:24I just, I wouldn't even, wouldn't even put that in there. I'm going to be honest. Just like, it doesn't, like no. No fatalities.

43:36All right. And no fatalities. It says zero fatalities. I'm not taking that out. That's, yeah, and zero fatalities. That's big. Have you ever, have you ever been a taxi cab, John? Brent, I want you to get a job. Oh my God, no. I'm not taking that out. What are we talking about? Help to usher in scientifically defensible COVID policies, contributing member of hashtag team reality on X. Tito's Handmade Vodka is America's favorite vodka for a reason. From the first legal distillery in Texas, Tito's is six times distilled till it's just right. And naturally gluten-free, making it a high-quality spirit that mixes with just about anything.

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44:53Joseph Ladpo. This is who you praised. No, who we know on Twitter. Yeah, we know each other. Is that what you say about me? No, I mean, every, I just say, I just say that. Because you seem to know a lot of people, but do they know that they know you? I say you're really nice. That's what I say. I am nice. In general, I'm also a... I go between... I just hit it real. Oh, okay. Would you disagree? I don't know what's going on. That's concerning. Okay, so yeah, this is... Oh my gosh. All right. Hey, let's pay to sit Brent down with a resume helper because this is just... Yeah, let's do that. Because this is going to be just too much to go to and we got to get to these finances.

45:46because just that first page out of three, this is a disaster. Look at all my skills, dude, because I'm like, I got skills. Well, you got to get into the third page to see them. I got skills, dude. Okay, skills. Storytelling. Growth marketing. Infotainment. Improv comedy. I haven't seen it yet. Songwriting. Horseback riding. Yeah. Yeah. Totally. You don't know. You might be like working at a coffee shop and then you got to get on a horse. I don't know how things work. It happens. Media analysis. Analytics. Well, that's good. Business consulting. Is that a skill? I don't know. It's more of a job.

46:29Horse back. More. Okay. Come on, dude. This is so stupid. He's not even going to say it. It's so stupid. You're memeing your life. I'm not even going to say it. So how about this, Brent? Genuine question. Genuine question. Do you even give a f*** about your life? No Do you even give a f***? You don't because you won't read my resume Do you even give a f***? You're doing nothing Your resume is a joke You're acting like a joke You don't do anything You're not pursuing anything real You've never accomplished anything real and tangible The only thing holding you The only thing going for you is your Okay, Brent What are you doing?

47:06Come on I'm genuinely I want to know Do you give a f*** about your life? No. You ever try to figure out what your insurance actually covers? It's like decoding ancient scrolls, except instead of treasure, you're rewarded with a hold music marathon and a vague maybe. And that is why I love what Roe is doing. They created a free insurance checker that tells you if your insurance covers GLP-1 medications, stuff like Ozempic or Wegovi. And here's how it works. You just submit your insurance info, and a few days later, Roe sends back a report showing which GLP-1s are covered and whether a prior authorization is needed.

47:41No paperwork, no hold music, no being transferred six times. And you don't even have to be a Roe member to use it. It doesn't tell you the cost, but it clears up the most frustrating part, what's actually covered. Join the over 1 million people who've trusted Roe to check their coverage for free. Go to roe.co slash Caleb for your free insurance check. That is ro.co slash Caleb to see if your insurance covers GLP-1s for free. And go to road.co slash safety for box warning and full safety information about GLP-1 medications. Let's get back to the episode. You know that moment when you're staring at your bank balance thinking, cool, Friday is still three days away and I need gas now?

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49:29There's no monthly fees, no minimum balance fees. A few minutes to sign up, and right now you can get up to $350 with the new Chime account when you sign up at Chime.com slash Caleb. Why? That's what you want me to say. No! I'm not going to... Dude, you're the f***ing joker, man. I don't know. Are you an idiot? We just threw an emotional arc in the middle of the f***ing podcast where I'm like saying that I just went to f***ing rehab, dude. I don't know. You're like missing a beat or something. yet your resume is a joke and you're not doing anything to improve this part of your life. I celebrated the rehab with you.

50:08We're not going to sit here and jerk each other off the entire conversation about it. We're moving on. I shouldn't use that resume? Hold on. I got to go rethink my life. I shouldn't use that resume? Is that what you're saying? What are you doing right now? I should... That was real? You're saying I really shouldn't use that resume? He's saying I shouldn't use that resume?

50:40I'm a little confused of what to do. I got to fucking rethink everything. My God. I've been wasting time. Hold on. This episode is changing my life. I can already feel it coming on.

50:56You know you have the choice. for what? people that take and make the choice to walk away from here and put in actionable things that we talk about change their lives we have incredibly successful people that have been on the show you're not one of them and that is your choice just a loser just a loser if we're being candid yes yep I'm a loser so why don't you I can't hear you, the AC. Oh. I'm a loser, baby. Why don't you kill me? Oh, my.

51:34I don't know how this always happens, but we talk about how I want you to get better in something that is wrong with something you're doing. And then the third time is the charm, where without fail, you're just a baby. I'll keep going. No, that's it. Do you have any more though? It's going to take a while to fill up an episode. So you don't care? I can fill a podcast just talking by myself. That's why you've been so successful. Can you do it? Well, as the top 10 podcast on the internet, yes. But not by yourself. You need to pay somebody to beat up on. Not pay. You get paid. Because you pay somebody to beat up on.

52:21Do you think you'd be famous if you didn't have somebody paid to beat up on? They're not paid. Honest question. Again, the way you approach everything is so disingenuous. Are you not going to answer the question? Honest question. But your question's wrong. Do you think that you would be successful if you weren't paying people to beat up on them? Well, I had a quarter million dollar net worth at 25 before starting the show, well above the median average. Okay, so you would be. Yes. That was an honest question. Yes, but it was not a good faith question because it was incorrect. We do not pay people to come on the show.

52:54We do not pay people to come on the show. Don't be a dumb c**t, Brent. I don't know. Don't be a dumb c**t. You're being c**t. What? I'm being a c**t. Yes, you're being a c**t. This is inappropriate. You're being a c**t because you know that's a disingenuous answer. You're going to insult me. At least, like, do something slightly real instead of just, like, random word. it's not even relevant to like I asked you a genuine question it wasn't genuine and it wasn't good faith you know we don't pay people to come on the show you get paid once a year to go to just sit here and see what's happened to you because I responded to a paid casting call the first time I went on well that was different that's when we didn't have an audience so yeah we put it out onto platforms to receive people I don't know how it works man then ask instead of fucking that's what I did you didn't you're being disingenuous Did I not ask him?

53:47I just asked him, do you think you'd be famous? If, what was the second half of your question? Do you think you'd be famous if you didn't pay people to go on your show? And you could be like, no, we don't. Okay, I don't know. Well, no, because the question is, would you be famous? They wasn't having to correct the second half. You're not a good faith person. You don't think that was good faith? No, you're not a good faith person. Okay, I'm sorry. I was genuinely curious. I've never viewed you as a bad person. I viewed you as a troubled person and kind of a loser because you've never accomplished anything in your entire life.

54:20But I won a f***ing GLAD award, dude. Buddy, you made 4 ,000 hours a month off that magazine. It wasn't a very good magazine. You didn't do s***. I won a GLAD award. Also, you tried to re - I got citations in the Washington Post. You know what you got? You tried to renegotiate your contract, and they said, oh, s***, you're not worth dick, and they got you out of there. Well, now you're saying I wasn't getting paid enough. Maybe there was a reason I quit. Yeah, almost like you didn't quit. You tried to get more money. They said no. I knew how much money we were making. Yeah, not much. And I decided it wasn't worth it anymore.

54:51I wanted to move on. I didn't like the editorial direction he was taking after marriage equality. And you've been so successful since. No. Yes, correct. There you go. So yes, again, I've never considered you a genuinely bad person. I'm not out here saying that I'm a financial success, dude. You're like, you're arguing with a straw man. I'm not arguing with anything. You're arguing with a straw man. You don't let me get to the end of my statements and my thoughts. Go on. I'm going to shut up for a little while. What I was going to say is I've never viewed you as a genuinely bad person. But I have viewed you as kind of a loser in life and a troubled person.

55:24And because of that, it's because of how you act, how you send emails. You're getting arrested for death threats to the governor. And because— I already went over that. And you sent a death threat. What point? No. I did not. What? I did not. What? I did not. In the end, now after this conversation, seeing how— I did not. You are actually, okay. So you're not going to let me finish my point because I was actually almost done. No, because you're actually libeling me again. You have trouble with reality. Sue me. I might. Do it. I might. Love to see how these war chests stack up against each other.

55:57It doesn't really matter. There's fact and objectivity. Yes. And if you believe in fact and objectivity, you do, right? Oh, yeah. Then you libeled me last time by saying that I'm unwilling to work. and I specifically said I will take a job beneath what I'm expecting. You're not willing to work because your resume is a joke. That's not a resume that's going to get a job and you know it. Do you think that's what I send to everybody? I think it's what you send to digital media. I think that's what I send to you. Which is what you care about. You are so strange. Again, to finish my point, but now because of seeing how you've approached some of these things with bringing up Noah disingenuously without you knowing anything about it, without, with you bringing up the, with you, I'm going to finish my point, with you bringing up the paying guest to come on to get berated when that is objectively not true, I no longer unfortunately believe that you're not generally a bad person because you are not good faith.

56:56You come in and you try to smear to take down the show that has you got your feelings hurt because you get called on your shit for the first time in your life because you're an egotistical f*** who never gets called out on anything. You're a child.

57:12So, 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. Come on, flag pin. Where's your debate rebuttal? You're on the stage. The nation's watching. Not true. Oh, good one. It's all it takes. Yeah, hit it. It's all it takes. It's all it takes, except we literally have the facts about not paying guests to come on the show.

57:59We literally have the facts about Noah. We have the facts about all this. It's your last episode. You were disingenuous about the payment thing. Shut the f***. You are not a good faith person. You're not a good person. I'm happy and can celebrate the sobriety thing. Just because you did one good thing, very good thing, does not all of a sudden mean the rest of your life is considered good or that you're a good person. And that's not how we should ever do. Come on. It's not, sorry, I feel that way. It's via your actions and your statements. When people disingenuously try to bring down someone because they just don't like the way they say things, it's a disgusting thing.

58:36It's a disgusting part of our culture. You are a disgusting part of our culture. You are going to make things up, just like many other people have, to try to harm somebody because you didn't like them. You're disgusting. But besides that, what do you think your financial score is today? Zero to ten. Zero being the worst, ten being the best. I don't know where that's coming from. You don't know. I would say probably zero. If you want your Hammer financial score, go to CalebHammer.com. You can take it for free. See where you stand. And if you get oddly below a zero and you get put in the moron category when Brent's face pops up on screen at the end of the quiz, that's your fault.

59:09And only him in his one single voter election is probably the only one to get that result on the website. But you'll get a Hammer financial score. It's free. See where you stand. CalebHammer.com. Download the DollarWise app. It's really good, Brent. You could use it. You get it for free. Are you okay? Are you okay? Holy shit. Oh, my goodness. in video advertisement. That's crazy. That's never been heard of before. But usually it's more like what you want to do. Yes, please. Tell me successful podcast or how is it normally? Yeah, it's more like integrated conversationally. I think you just like went, whoa.

59:42It was crazy. But maybe it works. I mean, it works after editing. It's just weird to experience in real life. It's like. Dollarwise.com. Free trial now. Sign up for the annual version. If you want to save a lot of money, get our budget-friendly cookbook signed by me mailed directly to you. Are you talking to me? I'm looking at you. Are you talking to me? Okay. It's so weird. Uh-huh. How much money came in last month? I was in rehab. Is that the month we have? 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.

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1:00:46I'm still actually in outpatient. That's good. Yeah, it's nice. It's great. Well, I want you to get the support where you can. And again, just because I know behind the scenes that you're genuinely not a good person, you've done bad things, and you tried to harm us in many different ways, doesn't mean that I'm not going to celebrate you. And hopefully, you know what? Actually, I want to take into account that during those times when we received those phone calls from those sources. Oh, I canceled Gerber. Not you. I canceled Gerber from your last show. I was so pissed off with the way you treated me in the last show.

1:01:19I talked to somebody in Gerber. I said, this is terrible. Somebody's going to kill themselves on this show. Like, I was literally worried that somebody will kill themselves on this show. I mean, it was— Will it be you? Like, is that what you're saying? I don't know. Oh, I thought about it. Well, I hope not. Please don't. If you need help, 998 and reach out. We will make sure we do anything to make sure you don't. I think that's—yeah. Reminder, what you guys do not know is I've answered a phone call in the middle of a water park having fun with my friends on a day off on a weekend from Brenton.

1:01:51talked to him for an hour and helped him. Yeah, you don't even remember this. No, you didn't. Yeah, of course you don't. Was this, what year was this? Was this... What year was this? It doesn't fucking matter, Brent. We've been gone for three years. Exactly. It was about a year and a half ago. No, not a year and a half ago. You didn't... Yes. At a water park. Trustworthy. Huh? You say I was not at a water park? No. I also talked to you in my driveway once on the phone as well. I help you when you need help. And you try to hurt us behind our back. I answered your call when I was in a... You're a disgusting person.

1:02:21After you sent troubling text messages, yes, I reached out. And talked to you on the phone to help you. So f*** you saying this show's bad. You didn't, though. Reliable source of information, Brent Davey. Yes, trust him or trust me. You decide who.

1:02:43Oh, f***. Okay, well, the finances are going to be interesting. I've never done the finances with a month that someone was in rehab. what's been happening since you've been out let's say well September what happened September finances was

1:03:01I don't know I guess okay it just ended September just ended I mean I've been working on things I don't really know like what what have you been working on myself That's things? Cool, what have you been doing to work on yourself? I'm volunteering. I'm going to meetings. Good, we support that. And with the rest of the time...

1:03:38Preparing to go on the show How long, how much preparation? You know, everyone that comes on the show is from the audience, and they literally just come and they film, and then they go home and they have a good time, and everyone's happy. What the f*** do you have to prepare for? Log into your accounts? I've been working with... I guess that's stressful. Redacting things. No need we do that. You didn't the first time, so I've been... The first time, Brent. When I was in my condo by myself, you know the show's different. Don't be a disingenuous prick. Maybe I have f***ing f***ing traumatic stress disorder, too.

1:04:09I don't know. Well, you seem to have everything. You make up something new every episode, like law this time, law school. I went to Loyola Law School. I dropped out after I shattered my ankle. This is interesting how when you were really happy. Is this real or is he bullsh**? Does he actually not believe me or is he like being potentially combated? Buddy, this is our third meeting and you bragged so hard about your degree in information systems. That would come up in those conversations about you bragging. I can't encompass my entire life for you. So if I've made life, I asked what you did, what degree, what school you went to the first time that would have come up.

1:04:47Brent, I dropped out after I shattered my ankle. Okay. Why does the shattering ankle equal dropout? Because people get injured in school. Yeah, I had a complication. The cast was, I was an idiot. The cast was also not on your resume. It's another reason not to believe it. I didn't graduate. So I didn't put it on there. Mm-hmm. Yeah, I dropped down after almost a year. But I had a complication. My ankle, the cast was on too tight, and I didn't realize it, and my heel died. And when they took off the cast, it was a stage five pressure ulcer. You've had this thing forever. Yeah. What's the treatment?

1:05:34It blows. It blows. I basically have to You know, everyone in the last episode thought you were going to say cancer because you hyped it up. You were like stage one. It used to be stage two, but now stage one. With a bandana. Oh, that's because I'm a sweaty Irishman. Bandana. Yeah. You look better now. Oh, thank you. You've had a glow up and I'm happy the sobriety has worked. I just got a picture of it. It's a little nasty. What stage is it now? Oh, right now it's a one. That's one? No, that's a stage five. Good. That is a stage five right after. That was the worst it's ever been, and that caused a permanent deep tissue damage.

1:06:15Yeah, and what is the treatment? And so now it vacillates between one and three. That's good. Whenever it's three, I have to clean it and dress it and shit. Hopefully. But if I stand on it too much, it gets acting up. But remind me, what's the treatment? I was banging off your feet. Whenever it starts getting bad, I can do some things, but sometimes it acts up. Also, one of my producers right now just went through your entire LinkedIn with key searches. Nothing about law or Loyola was ever on your LinkedIn, and we know you like to type and tell stories. I didn't put Loyola on there because I didn't graduate.

1:06:52Can we search the email inbox? It might be in there from Mr. Brent. Because you talk about everything. If they could see the approximately 5 ,000 emails we received from you. Like lying to going to law school? Yes. I met Anthony Romero at law school. Yes, you've met everyone. That's your favorite thing, name dropping. That's what you do. I worked with Anthony Romero. I'm sure you did. Yes, you worked with Barack Obama. You were his best friend and you ran his presidency. This is, I mean, like, this is what you always do. And then you've never done anything. Do you know Colin Holbeck? No. No? He's a documentary filmmaker.

1:07:26He just did that big QAnon thing. And you were not in it. No, I didn't. Okay, then. Yay. I worked with him. Of course you did. Brent, this is what I want to correct about your language. I am not pushing back on you saying you worked with people necessarily. It's you always just amplifying yourself. Your bullshit resume. You thinking your life is a joke. Oh, I worked with this. I accomplished this. You have nothing tangible that you've ever done. And no one's hiring you because of that. So I want to reframe how you present yourself. Because I want you to get a job and have a good career. Tell me what to say.

1:08:00It's not about what to say. I'm telling you what not to right now. You're always talking about, I've worked through this, I've worked through this. You're jerking yourself constantly off about everything you've done, even though you have nothing to show. I don't have a ton of money. That's not a... I asked for a credit on the... I'm trying to get you money. Okay. By getting a job. Okay, I'll give credit where credit is due. We got loyal and mentioned a couple times in emails. A couple emails out of the 5 ,000, but... Are they new? now that he's believing it. I love how every time you look around, everyone's eyes go down to the floor.

1:08:39Everyone's afraid of making eye contact with you. They're terrified. Yeah. Also, again, this is how I know your bad faith. You went out there, the person who got fired for being bad at their job, and I've only had to fire a couple people. You went and you were like supporting his entire snark bullsh**, his disingenuous bullsh** because he was a petty motherfucker. I thought he had a perspective. He had a perspective of a fired employee who's very upset that he was bad with his job, multiple jobs in a row, getting fired, and has never accomplished anything in his life and never will. I don't know.

1:09:07His most successful thing he's ever done in his life was about someone else. I talked to him. I thought he was nice. You ever have one of those problems you just kind of work around? Like the AC in my car was broken for two summers, so I just drove at night. That's not fixing it. That is adapting to a broken system. And that is exactly how I used to shave. I thought irritation, razor bumps, and red splotchy skin was just a part of shaving. So I bought the fancy creams. I shaved with the grain, against the grain, sideways. I became a skincare scientist just to keep my face from looking like a pepperoni pizza.

1:09:38And then I tried Henson. Not because it had more blades or weird features, but because it didn't. It was just better made. And it actually worked. And now my skin? Calmer. Zero irritation. And I don't even think about it anymore. And that is the best part. when you finally fix something you've been compensating for there's this relief like oh it was never me it was the tool if you've been patching your way through shaving click the link below and try henson it's not about doing more it's about finally solving it let's get back to the episode it's a win-win you get money and i get money these are called affiliates and you get that sweet sweet cash for signing up for some amazing products the first one is chime this is a checking account that I personally use and you get up to a$350 bonus with a new chime checking account and earn up to 3.5 % APY on your savings.

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1:11:03What a kind guy. Credit card, no one to collections. Oh, yeah. I have a couple in collections. Which is fair because if you're in sobriety, like I always say, focus on that. Like, put the finances. Honestly, do not matter if we're taking care of our life. That's what I always say. It's an investment in myself. They don't clip that. Yeah, totally. I feel like my earning potential is going to be great. How old are you? 43. Really?

1:11:34Okay.

1:11:38Yeah. Okay. Same thing happened with this person alone. and this person alone and this person alone. So you just gave up. Because you weren't in sobriety when these started of not paying. You just full-on stopped paying end of 2024. It was actually after our last episode. It looks like you just gave up and you stopped. Yeah, I got attacked and then I... You got attacked now? What happened? Yeah. I've been attacked a lot, man. Why are you getting attacked? Where are you? What are you doing? I've just been getting attacked. Oh, come on. Just getting attacked. Give us a little more information. Oh, one time I'm walking down the street from actual, I bought cleaning supplies at this Dollar General and I'm walking down the street with a bucket and I'm about to clean this room I rented from a pad split.

1:12:36From what? I bought cleaning supplies from Dollar General. I'm being really thrifty and doing everything right. and some girl in a truck goes, hey, throws a bottle at me out of the truck and I'm like, what the fuck? What was that? Okay, you made it sound like you got beat up by a fucking gang. One time, you just got a bottle thrown at you. That sucks, I'm sorry, but different things. No, weird things like that. One time I'm walking from an extended stay motel. Where are you? This is Dallas. This is Dallas, man. It was all Dallas. Dallas was, I'm so glad. Dallas was about to eat me alive. Like, I got out of there.

1:13:16Keep going. You got attacked. Please tell me. One time I'm walking to the convenience store from the 16th Street Motel, about to start my Uber shift, and a crackhead jumped me, like, with my backpack. We love crackheads. And I did not have, I did not have my laptop in it, thank God. But, like, I had a pair of glasses in it that I bought from the last time on the show, and then I can just imagine him being like, oh, there's only glasses in here. And I'm like, oh, God. I don't know. Does that have to do with you not making payments? I wasn't able to make them. Okay. And there's the maintenance. I'm sympathetic for the jumping.

1:13:59I don't see how it's connected. Yeah, it's like the maintenance of being attacked is a lot of work. You know what I mean? Yeah, so you're in pretty rough areas. Yeah, it's true. I mean, those low-income extended state motels are not great. Why did you get personal protection of some, you know, pew-pew? And I trust you, I am not advocating for that for you. I don't know. I just didn't do it. I mean, I grew up around guns. At least a mace? Like, if this was a reoccurring thing, and not to victim blame, but I'm blaming you a little for not going and getting pepper spray after the third time. I've never pulled a weapon on anybody, and I don't even know if I could.

1:14:37I mean, it's a self-defense thing. I'm not considering that a weapon, necessarily. Yeah, a defense mechanism. Yeah, I should get it. I should totally have it. You're right. You've gone gray. No. You're stressed. True. Stress, lad. True. You were a nice blonde boy when I first met you. Blonde? Or something. I don't know. What are you? Brown? Well, it used to be bright red, but it kind of... I did not see red. I never see red. You're ginger. Yeah. You're ginger? Ginger? Lindsay, this is one of yours. Yep. Well, our other ginger in our fight went blonde. Lindsay Lohan went blonde. She's a ginger trader.

1:15:24Personal loan. Also, collections. This one just started. This personal loan just went to collections. 745. Just. Cell phone, this guy's been in collection since forever. Nope. Oh, that was the cell phone that got stolen in Palm Springs. And then I haven't. Palm Springs. Are you able to go anywhere without getting, like, are you able to go anywhere without getting attacked? This was from the last trip when I went to LA. Uh-huh. Right. Yes, I remember. I got robbed. That sucks, man. I'm sorry. Why don't you start putting yourself in safer positions if possible? Risk management is like key. At least pepper spray.

1:16:06Yeah, totally. Like this just seems to keep happening. Yeah. Like relentlessly. Yeah, no. Risk reduction. I can't really travel very well. Because they won't let you on a plane or? No. No. I can't really travel alone very well. How's your dating life? I'm not really interested right now. When's the last time? Last time I had a boyfriend or went on a date? Both. Oh, last boyfriend, oh, probably 2018. That's a while. Yeah, a long time. And date? I'm not really dating. I can't remember the last date. I probably went out sometime in the last five years, but I'm just like, I don't know. When was the last?

1:17:00I don't, I'm not really dating. You're not even f***ing. Not really. We're going to get you laid. Oh, my God. Oh, you'll get so excited about the world again. I don't know. I think I did enough of that in my 20s. Were you safe? Oh, of course. Good. Yeah, absolutely. Okay.

1:17:25Amin told every single time you've been targeted or attacked, you are also equally at that exact time completely f***ed up drunk. Like, are you sure you didn't extendate anything, but you just don't maybe have an acknowledgement? Anytime that I've been attacked, I've been f***ed up drunk? That's not true. Oh, oh, sorry. Sorry, sorry, sorry. No, you're right. This was a question. They wanted me to ask, were you always drunk? Oh, was I always drunk? I read it wrong. Oh, I got you. No, it's not just always drunk get attacked, but it sure doesn't help in the risk reduction department. you don't want to put yourself in risky situations and when you're drunk out of your mind like bottling without a condom yeah there you go cheers here's some cream shoving up your ass thank you you started with 91 cents in your checking account I just got forked you started with 91 cents in your checking account which month oh yeah end of August so this was after rehab technically oh right no that's right I was getting out I guess and where was income coming from Uber Eats um Uber Eats yeah any government assistance no um Uber Eats writing why aren't you on you don't have like are you on like Affordable Care Act any other health plans there subsidized yeah I got the um healthcare.gov plan it's pretty easy isn't it it was this time.

1:18:59Can you, thank you. Tell that to everyone out there on this show that has come on their bitch and moan. It's so easy. I had issues getting on it before, but this time it was easy. Because you were sober. No, I was sober. I'm kidding. I'm kidding. I'm joking. I'm goofing with you. I wasn't like a, you know. I'm goofing with you. We're friends. Oh, no. I don't want you to repeat that. Oh my God. Wow. I feel special. I just don't want you to repeat it. And I know you like repeating all the people you know. Telephone tele, Brent.

1:19:38Afflebel, Spotify. See, listen, if we're just trying to survive, like, okay, Spotify I'm okay with because you're Uber eating, so like, yeah, let's listen to songs. Whatever this Afflebel subscription, like, I definitely don't want that. There's an overdraft for a second. Spotify? What do I have? Oh, no, it was overdraft from Spotify. Oh, it's making you cry, man. I'm sorry. No, it's making me get oily. Amazon. What are we Amazon-ing? Oh, I'm a film and television critic on Book and Film Globe, which is absolutely one of the best sites. I just want you to survive. Yeah, it's a job. It's one of the best sites in the entire internet.

1:20:26What's it called? Book and Film Globe. We got Stephen Garrett from Time Out. I do not, but I am not a... Okay, Lindsay worked in Hollywood for quite a long time. But he does, you know, posting on Medium is a thing. He posts on Medium. I know that. Book and Film Globe. It's owned by Ken Kersen, who's... Dude, I don't know the names you say. The former editor of the Village Voice in New York. We got Stephen Garrett from Time Out. Okay, you're doing the name thing again. You're doing the name thing. Oh, it's just a great blog, and I love it. Okay. It's a journal. You're spending a lot of money on it when you have none.

1:21:07It's media criticism, and if you want to know what a thing is about on the internet, like, what is this movie about? Are you sponsored? Am I sponsored by them? I work there. What do you make? I review television. What do you make? Money! I make money. How much? Brent, how much? I make money. I make money writing about shows on the internet. I know, and how much, Brent, please? How much money? Lots and lots of money. Okay, you're being a goofball now because you heard them make a giggle, so you're trying to be silly. I make around$1 ,000 to$2 ,000 a month freelance writing. I mean, I've been in rehab.

1:21:45$900 came in, and you said you're also doing Uber Eats. That doesn't line up. I've been in rehab, dude. No, you weren't in this month. What month? This is the entire month of August. Not a single date from July. What? I don't know. August? I do. Okay. Can I see it? We have money transfer in from, that looks like the Uber Eats card. Same with that one. And then same with that one. So we've only had Uber Eats come. Are you sure they know you're employed? Who? Book and Film Globe? I write for them. King Kirsten signs my checks. Why did I not see any signed checks? Because the checks don't come in an image on the statement, Caleb.

1:22:32Yeah, but there's no deposits. Are you sure you do this three times a week? There was no deposits. Are you sure you do this three times a week? No, I'm not. I do four. Okay. I don't know why. Because maybe I didn't have one go in that month or maybe I redacted it. That's concerning. I don't know. You didn't redact it because I only see the money coming in. Oh, Book and Film Globe pays me by check. Other outlets pay me by PayPal. Yeah, you deposit your checks though. Yes, yes. The last one I wrote, I covered... Because it's Amazon, Amazon, Amazon, Dropout TV. Oh, I don't think I got that check yet.

1:23:03I don't remember. I don't know. You said every month. Yeah, I usually send an invoice at the end of the month. This was a whole month, and this was over a month ago. I don't know, Caleb. Sorry. Dropout TV? Dropout. I covered... Dropout TV is great, by the way. They got this show, Very Important People, that I covered for Book and Film Globe. Are you sponsored? Am I sponsored by them? Dropout TV? By Dropout TV? No. Then I don't care. Apple Bill, Netflix, Adobe, Amazon, Amazon, and Amazon. It's a lot of Amazon. Can you pull up your Amazon? My Amazon? What do you want to see on my Amazon? The orders.

1:23:47Oh. Silly Goose. Let's see what we ordered. Silly Goose. Silly goose guy? I don't remember. Probably Paramount, maybe. I don't know. I don't know. Can't tell you. I'm making a little cave because I don't want you frosting. All right. You heart eater. God. Man. Was it good? It was fine. Grisly? No? No? Artery?

1:24:23Let's see what we got. What did you think of the goof juice? That's Charlie's. I was like... I don't know if you put in the proper ratio. I don't know. Does it seem sweet or less? It feels like Kool-Aid. It's very Kool-Aid-ish. I think you have the caffeinated version though. This is very good. Instead of going and buying a lot in energy drinks, that link is in the description below. get yours 25 cents a serving instead of stopping in and getting some bullshit. You can also get free samples. Put in the code Caleb to test. I'll be honest, I do like Charlie. That's not my favorite one. Let's see.

1:25:04What are the dates on the order? I just want to look at your orders. Can I just look at your orders? Oh, yeah, yeah, yeah. Bohemian Chick Bandana. Back with the bandanas, aren't you? Another bandana. Really spent a lot of money on bandanas. He got the water bottle. Dude, we would have got you a free bottle. You know you can reach out. Besides the sketchy things you send us, you're allowed to ask for help and we will set you up with anything. Oh, sweet. Buddy, I've offered that since the first episode. Oh, I didn't know. You can send more than threats. Okay, color changer for your bedroom. I just invited you over, though.

1:25:39That was all. I invited you over. And you were offended. Multivitamin, that's okay. Razors, you know, prepping for the... one bottom per decade. Taking some assumptions there. Power bottom, though, for sure. Playing cards. Shirts, I don't know. Fidget spinner. A lot of these don't seem 100 % necessary. And then chess, I'm just like, we're really struggling with money. These are essential rehab goods. Oh, okay. You need chess in rehab. Oh, they don't have it? Well, we didn't at our house, so I bought it for us. I mean, I would think that it would be stung. No check from them in July either. Now, I know, of course, that's when you actually were in rehab.

1:26:30But I have two months here and I didn't see a single check. I don't know when I deposited it, but I covered, I don't know if I got paid for it yet, but I covered very important people in, I think it was July. Can you show me your article? Yeah. They loved it on Dropout TV Loved it Well I'm sure Made them look good right Well I love the show I love covering things I love I don't think I'll cover this one Hmm You don't think you'll cover financial on it That's okay Most press is negative press But that's how they make money Baby Oh check it out Oh that's Vic We found a really good still for the header image.

1:27:16And do you have any confirmation anywhere that you're able to show me that you got paid for this? That you got paid the money you say you did? Because I want to take your word. But again, with some of the disingenuous things you were saying in this conversation. I don't have to prove it to you. You don't have to. I'm asking if you can. Maybe you could just take my word for it. No, but seeing how you're disingenuous about me, it makes it hard for me to believe and I need an extra burden level of proof. crazy for hearing what you said. You don't think freelance writing is a thing? I know it's a thing, but I also know you.

1:27:51What? When have I lied to you? Go on. Continue. Try to find it. I'm not going back and forth on this. Well, I've got the checks in my backpack. You said it's in your backpack? Is your backpack here? No, it's at home. You live in Austin again? That's Ken Kersen or Dan Freeman or Neil Pollack. Dude, you're doing the name thing. Who's the one? Name one. What's the first one you said? Ken? Ken Kersen owns C-I-N? K-I-N? Yeah, K-I-N. K-I-N? K-I-N. Ken Kersen. Yeah. K-I-N, are you saying? Yeah. Neil Pollack was my former editor. Are you spelled Kersen? Let me see. Let me make sure. Here he is. Okay. He owns Cia Reads Media.

1:28:43Call him. I don't have his phone number. He owns it. Okay, so now lots of conversations back and forth with him then, I assume. With the owner? No. Well, who pays you? Cia Reads Media for... Who's the guy that you talk to? Who's the guy? That you talk to? Who's the guy? That you talk to? Neil Pollack is my former editor. Dan Friedman is my new editor. Dan Friedman. Yes. He's the former editor of Forward Magazine. Executive editor. And he is now? The editor of Book and Film Globe. I feel like I'm in a congressional hearing, and it's just freelance writing. Believe it or not, I actually care about the income that's coming in so it can keep you alive, but I need to believe that it's there since it wasn't in the two months that we have.

1:29:32I don't know where the... I see him as an author. I don't see him listed as anything else. but maybe he is okay yep is the former executive author okay here we go very very good very good um glad it meets your approval well I just know he exists without a headshot on a website call him call who? Dan Dan right now? yeah um Facebook Messenger sure yeah let's see does he know you by the name of Brent? yeah is that your real name? Brent? Yeah, Brent Davey Okay It's never really new Yeah, it's a I didn't know if it was an online thing or May I? Well, he's not answering I didn't tell him I was coming out of there But Neil might now Where do you communicate?

1:30:28I don't feel appropriate calling Neil right now Neil just got a new job as the And Dan, where do you communicate with Dan? Facebook. Can I see? Yes.

1:30:42Here is... Anything that involves payment, by chance? Well, he's brand new. I didn't send him an invoice. I sent Neil an invoice. Here's Dan Friedman. Well, I guess you're recording this, so you... Well, this doesn't have to be on camera. Okay. It's crazy. It's just unprofessional. Okay.

1:31:18I'm sending pitches. I got one of them too. He's my new editor. I don't have a great relationship with him because I don't barely know him, but Neil is my former editor at the blog. Well, this goes back to... the beginning of July, and he has sent one thing saying amazing to your first message. He hasn't responded since then. No, he greenlit that review. Are you talking about the one thumbs up? That he reacted to one message in July? Oh, we went over to email. We went over to email. I sent him a pitch for a story about rehab, and it's a music-integrated rehab. Oh, I shouldn't talk too much about that.

1:32:11I'm giving away too many details. But that might be going in Rock and Roll Globe. That's something that exists somewhere that a couple people probably read. I don't know. Yeah, it's known in the critics' community. Oh, good. So the critics see it, but no humans. I don't know what our readership numbers are like. I'm not the analytics guy. Sorry, I don't have everything. But Brent, you give me everything in my heart. The thing is, buddy, this is the point where I make a budge. In here I saw some spending. We saw the Amazon. It was a little bullsh**. I can't trust your pay because I didn't see pay come in.

1:32:56How many hours do you put into Uber Eats a month? Give me a number that I won't be able to trust. 30. I kind of cut back on it a little bit because the demand during the middle of the day completely dried up. Also, may I bring up the note? This just hit my head. I'm sure this has already popped in other people's heads. But usually with people I work with, we aren't communicating on Facebook and Messenger as the source. So I don't really know how to make a budget here. and it's unfortunate because this honestly wasn't very productive. I'm glad to see where you're at and I'm very glad to see that you got sober.

1:33:30That is a W if there is a W, okay? So seriously, well done on that. No, that's huge. That is huge. I didn't know you were struggling with that and if I did, I forgot, but I don't think we knew that. But either way, yeah, not productive. I don't know what to do. I don't know what to do with you financially. You don't seem to want to change financially. And you don't take any career things seriously. In your resume, you need to take seriously. And you just don't take a lot of your life seriously. And that concerns me. So I want this. I want this. I just want to. I don't want pushback. I'm wrapping this up.

1:34:08I just want to let you know from just a human to another human. I am concerned. I'm concerned. I hope you take it seriously. I want you to take the resume. We'll pay for someone to sit down with you, a resume expert, and help you with that. but I am concerned that you'll never be able to pay bills. And I don't know if your press or ulcer spawns off into two. Who knows? You've had health problems, it sounds like. And you're only, believe it or not, young 40s. I'm concerned with what life looks like in your 60s. And that deeply concerns me. And I want to prepare you, but unfortunately, I don't think we're in that place.

1:34:45It's not a budgeting thing. I think the question that I kind of wanted to ask you I don't know if you've ever gotten this before, but bankruptcy, when is that? I have gotten that before. Bankruptcy is a fine tool. It's expensive to go through. It's a few thousand bucks. It's not completely stress-free. In your situation, it might be okay. I'm not horribly terrified of it, though. You're in mostly collections anyway. I don't see people coming after you. So it'll stay on your record as long as those are, if not more. So I don't think you necessarily need to. However, just like any debt consolidation or credit card transfer, personal loan, or bankruptcy, if you do not change your behavior first there's no point in doing it because you will end up in the same exact situation again and there is nothing showing behavior change so I would say you shouldn't now actually, nope, never mind I take that back, there was less bullshitting by far there also just wasn't much money to do it and you didn't have the ability to put it on a credit card I think the issue is more the earning that's what I was trying to get to the bottom and that's why we need to take your career seriously, a real job yeah Okay, we're going to go into the post show, ladies and gentlemen.

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