Homeless E-Begger Faces Jail Time | Financial Audit

0:00My name is Gia. I'm 25 years old. I'm from Sacramento, California. and this is financial audit you're 25 yeah why do i look younger no it's not about looks it's about what's in front of me and everything i've learned about before you're too young for this i am yeah it kind of started when i was 20 i got into a hole a hole is an understatement my dude i'm sorry i usually i have some pleasantries and everything but it's just hearing your age right there really i was just regardless of looks or anything i was just hoping well i don't know what i would because i wouldn't want anyone in this situation i just think immediately throwing your life away too young but okay it's okay okay well i don't think i'm that young let's be real now i know but it just it just hurts someone in their 20s it would hurt any decade so i guess i don't know why that age stuck out to me just something just in my heart i'm like because your finances are a mess there's not a crazy amount of documents but your finances are a mess your life is a mess it's a true mess and i need this to be the conversation that changes your life around because from everything i've learned about you before this show everything from our producers and everything i i'm i'm legitimately scared for you and this is like a this needs to be a desperate desperate attempt at a wake-up call for you because i'm sorry you're kind of everything up yeah and you're living off of begging for money on twitter yeah twitter and desperately holding on to a husband that's technically not even an ex at this point but is not together and is sending you money so i'm gonna i'm gonna take that as a cope laugh yeah i'm gonna take that as a cope left because like this is no way to live and more than that and this is the one that just stabs a knife through my heart you're homeless right now yeah living in your car barely got the repairs necessary to come out here and you really wanted to come out here so you did it and then you drove through the north from the northwest yeah and i'm still continuing to drive it because i have to do doordash doordash doordash that's how i make my money kind of except for the e-begging on twitter yeah yeah i mean taking money from the husband yeah yeah uh yeah yeah well i mean the husband's situation is kind of like if you like we're kind of together kind of not he like i don't live with him he lives in pennsylvania and i don't want to move to pennsylvania Pennsylvania.

2:48And so he wants me to move back and be together, but I don't really want to. I'm trying to find a state where I can, like, stay. Like, I don't want to be in my car forever. But, like, my end goal is to go back to Kansas and live in Kansas. But I can't do that yet. So to be clear, you're married, but you do not want to be with your husband. Yes. oh happy valentine's day by the way caleb thank you you're welcome thank you it's also my birthday is it happy birthday super exciting uh birthday wish for me honestly is to make you a little less homeless yeah would be preferred uh if i have one birthday wish uh okay but again with your husband but you don't want to be with your husband yeah are you using him for money i'll be flat out on no he sends you money he sends me money now but like i've been with him for a while he only just started working so the money just started coming in cool i don't i mean you waited for him to work in to start taking money from someone that you're not even with but you're technically married to when did you guys get married 2018 uh what the so what's going on with this whole thing with the marriage uh so i kind of took care of him for four years and uh because we lived in kansas city and i was getting money in kansas city and so i was kind of taking care of him because he didn't want to work and i was working i was doing amazon at the time and so i feel like me taking the money from him now is what like you know recovering from taking care of him but i just i can't take care of a man child why are you guys together why are you guys together i liked him at one point liked him at one point and then i like why the f*** are you guys still together right now i'm not a marriage counselor but like why the f*** because he has all my things he has all my things and he will throw my things away if i like divorced that's toxic as that's why i don't want to be with that's borderline abusive yeah because i had a i had a minivan and i went and visited him like a few months ago and i lost the minivan because i got in an accident and so all of my possessions were in this van i had to bring him into his house so now i'm like working towards getting back to pennsylvania to get my things so i can move on with my life okay um so what are you gonna do when he's not giving you money well what i want to do is find a job around here i hear like around austin what is this you're so confusing you are all over the place i am like i'm very fickle right now i'm in the northwest i want to live back in kansas let me get a job in austin well i can't live in kansas why because i have a warrant what the i have a warrant why guys it's a new year and you need to make your money work for you you can do exactly what i literally do right now and put my money in the best high yield savings account so far i get a 4.6 percent yield on my money and i also took advantage of the bonus of up to$250 when I signed up.

6:01You can start 2024 off amazing by doing the same by going to the link in the description below. Why? Sorry. Failure to appear in court. Why? So they got me one time and I went to jail for four days. Got you for what? Failure to appear. Huh? Failure to appear. This is when I was still living in Kansas. What did you need to appear for? Oh, because I was driving on a suspended license. And so I got two tickets for that because he caught me leaving so he got me again 20 leaving because okay so i got pulled over by the highway patrol and he was like you can't leave you can't move this car your tags are bad and your license is bad so you're gonna figure out something and i don't know people in kansas like that i was on my way to school so i sat there for 20 minutes thinking he left i hopped on the freeway he followed me and i stopped again he gave me another ticket girl what the fuck dude and then why did you go to court i don't know why i don't know why i didn't go to court uh have you done a responsible thing in your life just flat out i mean just through everything i've looked at and through everything you've said so far we're only a few minutes into this kill me have you ever done a responsible thing in your life like who am i dealing with here just graduating high school count sure going to college count well did you complete college okay what did you go to school for uh film production and how long did you go to school about a year uh-huh i mean i dropped out but i dropped out for reasons that i thought were pretty strategic i was starting to make more money and i was just like i'm not gonna spend time in here you know well i dropped out because i had to leave kansas for the warrants yeah why didn't you just do with it because i don't want to go to jail for two months i don't want to go to jail for two months did you at least first of all they said minimum one month and i had six counts two minimum one month the judge okay so you wow you can step a foot in kansas and that's a risky move for you yeah but i really want to go back i love kansas i don't think i've i don't think anyone's ever said that in their life i love kansas why i just love the plains i love farmland i love the people iowa no No, it's full of corn.

8:22That's what I thought Kansas was. No, no, no, no. Kansas is just flat, completely flat. You could see into the distance. There's like really not really many like corn. It's just like fields and like sunflowers. Then just do two months in jail. I'm working on that. Go on. What do you mean? I want to get my things together first before I go back to Kansas. so then I can like drop my car off somewhere turn myself in and just deal with it but then by the time I get out all my things will be fixed and I'll have my car still because I need to fix my license situation you need to fix a lot okay so we've gone down tangents already and this is like we haven't gone first of all okay for someone who's homeless sometimes sometimes there's choice things sometimes there's addiction sometimes there's mental health things so I need to make very clear going off the gate do you would do you deal with any kind of addictions i smoke does that count but potentially potentially it really depends on the individual a lot of people you know they can just use it record recreationally like alcohol and not have an issue but of course just like anything some people can become dependent and we're seeing that more and more these days than before um and you do smell like so but i i don't think well would you associate your homelessness with that i'm assuming no yeah i wouldn't think so either no uh so i had like an interest in doing van life but since i have this car i'm just doing like car camping and i figured i can just do is it that or because you can't afford to live i mean you're not doing anything You're begging on Twitter for money Yeah It's kind of both I can't justify paying $1400 a month for rent Do you want to live in your car?

10:13I want to live in my van I don't like this car that I have now But if I had a minivan again How are you going to afford that? You don't do anything You drive DoorDash here and there Total income that came in that we saw was$144 And it was through Cash App How the f*** do you get a van? How the do you get a place to live? You're living like a child. Okay. So no, no, no, no, no. Then I need to ask the next question just to make sure that it's not for any reasons that are beyond your control at this point. Do you have any major mental health issues that is preventing you from like working? Like some people like.

10:51Like when I get a job, I have panic attacks at like work. Not so much the work aspect, but like I don't. i'll wake up one morning and be like do i really want to go and i'll start freaking out and okay so anxiety okay well that can hurt with a job and i deal with that myself personally so i can relate to that um that's typically not the mental health that we're talking about when it comes to homelessness you know usually we're talking about major schizophrenia or there's a lot of other things but anxiety itself yes that can be very difficult with a job and hopefully a job is understanding not every job will be and of course have you seen therapists for that when i was younger okay well yeah that's something that you know whether it's potential medication or therapy or whatever that's something that obviously i would want you to deal with but would you associate again that with your homelessness no my homelessness is basically just me taking risk risk you're not doing anything what i was when i was in portland what about now okay well now i just got to texas i've been door dashing since i got you live here no i don't live here i just got here like two days this last month 144 came in and it was cash up only you're not doing anything oh okay so that was when i was in california and i tried what are you oh i live my family lives in california so I was staying with my mom at the time and I was applying for jobs out there and I wasn't getting anything back and DoorDash out there sucks so I can't why?

12:31the market's oversaturated like I'll go online I won't get a single order do you not understand where you're at at 25 and just how bad this is I know we haven't put numbers to the screen for people yet but I guess yeah we should start going through things because I I have more insight into your situation than they do and they need to know. Give yourself a financial score, 0 to 10. 2? It's a 0. I'll say that now. Yeah, not something I'd laugh at, but I'm just going to assume it's a cult laugh. Collections, two things. Late payments of 30 days, 7. Late payments of 30 days older than the last year, 7.

13:08Yeah, I had a bunch of credit cards. Accounts always paid as agreed, 36 %? That's just being a child. Pay your bills. Why aren't your bills paid? Because I don't have money. Because? Because I don't work. Yeah. So you're being a child. Maybe. I don't know. I feel like I'm doing fine. I'm happier in life. I don't give a s*** if you're happy. You're not paying your bills. Of course I give a s*** if you're happy. But that's not what I mean in this context. You're not paying your bills. That's not everything. I pay some bills. Like my phone. My phone's important. I'd say all your bills are important.

13:44You're literally like choosing not to. Okay, whatever. What's your credit score like? Two? Last time I checked I think it was like five. Utilization's at 162 %? What the f***? I haven't touched, because I maxed out all my credit cards and I haven't touched like anything of it. Because I had an ex and his mom was telling me, well if you wait seven years it'll fall off. Yeah, it'll fall off your credit. So she was like, you know, just kind of leave it alone. Yeah, for how long? Have you been? It's been two years now? Okay, so five years. So you don't plan to take advantage of credit in any way whatsoever.

14:20What if your car breaks? What if you need a bar to get a car? You don't have any money. You won't be able to get a car. I don't want to finance a car. What money do you have that will get you a car and you'll literally only live in a car? Your only income stream is in a car. What do you do if the car breaks? You already put money into the car because you wanted to get here. So like what the f***? I mean, if it breaks, I have people around that could help. Like what? mechanics uh here yeah in texas that you know yeah and they'll do it for free yeah okay what really yeah i don't know man i'm very good at networking very good at taking advantage of people's kindness no networking i'm not gonna do it completely for free it's more like what do you mean you have we haven't gotten there yet spoiler alert negative money ha ha ha i make some things with doordash and i would offer to like pay them like you know not pay them but like buy them food no but what if what ever happens to your car isn't just a small little thing what if it's a major repair what if it's a thing that costs a lot of money so you're expecting someone else to pay for it for you through buying the thing buying whatever is necessary and then doing the labor with what money the money that people give me joke to you no your life is not a joke right now you're playing it like it's a sad joke but it is not you're gonna regret this mindset and everything you're in all these choices all this crap i feel like i'm still young enough to make mistakes so that's the thing i feel like the mistakes you're doing now are drastically holding you back in the future you're kicking this on the road you can't take advantage of any credit if you need to because you've just ruined everything You're also being irresponsible and immoral by not taking care of the bills that you chose and signed a contract to take out.

16:12And also, for any sense of retirement or existing in the future, you're literally just giving up the best decade for compound growth in your life. And at this point, you're probably going to give up your second best decade and potentially third because you're just kicking the can down the road and your mindset is so terrible that this isn't a quick overnight change. This isn't something like, oh, I'm a responsible adult. I have a place to live. I'm actually working a job and contributing to a 401k. That's not something that just happens overnight. So I don't see this just changing by the end of your 20s.

16:42I don't see it changing in your 30s. This is a lifestyle that you're comfortable with. You're happy. So because of this happiness, you feel content and you're okay with it. And you're literally just going to die in poverty. And that's unacceptable to me. That's beyond unacceptable. At least I'm out and about. It's not like I'm sitting around doing nothing. Like I've gone to 12 different states last year In my car Like I travel Like I'm not Cool you travel What the f*** does that have to do with anything I just said That I have money Like how do you How can I travel without money Because you're e-begging And DoorDash $91 in collections there $97 Dude these things are things that we can take care of in like a second These are things we can take care of for a second.

17:32$90? $90? This is such an immature stu - Oh! Oh, the choices you're making are just beyond! $90? You know what I could use$90 for? Gas! And food! I mean,$90 is a lot to me. exactly to you because you're not working$90 right here. It's not an insignificant amount of money. Don't get me wrong. But if$90 is a make or break for life, that shows that the life you're living is unacceptable. Maybe. I'm not saying$90 isn't a lot of money. It is. If you go spend$90 at a restaurant, that's a lot of money. But if it's literally your survival comes down to$90.

18:25another collection$67 $644 okay now that's a lot that's not something that's like okay we could just do that 228 same with that 397 secured loan I don't know what the there's no balance reported balance these are all 2020 you just gave up in 2020 $3 ,222 this is when I had a bunch of credit cards because I had opened a few credit cards when I was uh 21 so your strategy then was to live your like lazy lifestyle of just not giving a because you're content based off our credit cards okay and then you could no longer do that because you max them out and you had to let them go and now no one's going to give you credit so now your new thing is begging from the husband that you don't even like and don't even want to see and want to leave we'll see if he sees this and then um the e-begging off of twitter and then running door if you have to but you didn't even do it in that last month and not to mention the actual sad fact and we're not going to talk much about her but the sad fact is you have a daughter yeah i need to know just for safety where does she live with my mother and the mom your mom takes care of her yeah it tries to yeah oh come on you can't give any shame to that you're living in your car and choosing not to work okay but she lives in a hotel better than a car has child service has been involved because they might no i pray that that's not going to be a case she's about to move into an apartment soon so good okay good because it is not fair for someone that did not have the choice to be brought in this world to be your choices are disgusting to be very clear your choices are disgusting when it involves someone that you are morally responsible to take care of you're choosing to be happy and content making nothing and e-begging instead of taking care of your responsibility well i've tried i've tried when i lived in kansas i had a house i had a job my mom she's just this is no no no no do not blame this on your mom you chose not to have your registration updated and your license updated then you chose not to deal with the consequences then you had to flee kansas you didn't even have to you could have dealt with the consequences no this was before this was before all this tell me then because this like licensing only just happened last year.

20:44Tell me then. Tell you what? You said this happened before. What? Oh the license. I wanted to take my daughter before all of this happened. Like I was doing good in Kansas. What's good? Tell me what good was. I had my own apartment. I had a job. And what happened? And my mom still wouldn't let me take her. Well I mean I'm only gonna hear your side of it but I mean there was likely a reason she thinks i can't take care of her not money wise but like because my daughter's on the spectrum yeah and she just doesn't my mom just doesn't trust me even money wise and trust wise i at least get it now just with the what you've showed us demonstration wise i i gave up yeah yeah this is this is the you have given up beyond belief right is that where we are now you've just given up in life because that's what i'm seeing kind of yeah sort of i want to find a job out here but like i'm still living in my car what work experience do you have warehousing okay amazon ups walmart uh i've worked at a liquor store i've worked at like a loves travel stop okay if you show up and don't smell like have an adequate resume which we could help you with yes you could get a warehousing job here pretty easily I think potentially I don't like warehousing though like I'll do it I'll do it for like a week or two and then it's like you said you wanted a job we asked what jobs you're good at you said that and that's what your experience is so what job do you want I want something around like media and cameras like I was supposed to be going to this film uh this movie shoot in california like to be a movie extra and then that flopped but i'm trying to do like photography or like videography or something that's why i went to school for film production oh good oh my gosh a woman can dream right i think i'm really yeah but a woman could also uh grow the up and put a roof over her head and take care of her own child i don't want a house caleb house i don't or roof doesn't make i mean a house apartment and i don't even the van dude if you wanted to live in the van we could at least do that but right now you're living in a in a thing you hate that's breaking down so it's called growing the up and then 2250 education this is student loans i just did those uh last semester that's maybe mean you just did them the loans i just applied for those oh good so i had the financial aid and then i got why you weren't in school were you i was it was online school in 2023 yeah for what film production that was for film yeah but i wanted the money because i was gonna buy a van with it and then i did and then i lost the van you understand it was for school right yeah so invest in your education you're gonna use it to buy a van yes and then what happened And I lost the van.

23:52I'm going to die. I only had the van for two months. Because you crashed it. Yeah. There was no insurance on it? Um, no. But it's also, it wasn't registered to me because I just bought it and it was a sandwich. What are you? This is like the most irresponsible everything I've ever heard in my life. How have you not learned your lesson? The van, if that was the first time that ever happened, that's like, I wouldn't excuse it. But I mean that, I would be like, okay, maybe she's just ignorant to the system. You got arrested and needed to show up to court by not having things properly registered and uh Or licensed and everything so you'd think you'd learn I'm afraid that through all this we can come up with some kind of plan, but you won't have learned You're just immature or you just don't give it.

24:36You already told me you gave up. So I guess that's that I just don't care. I'm just kind of living life one day at a time. Okay, cool You've given up right to be clear. You've given up, right? Yeah. Okay. So what's next then? What's next in your life? you've given up so what now you're just done you're gonna die in a ditch is that what you want no i want to continue traveling around i'm going to georgia after this so you do care i care a little bit okay and your priorities in caring is traveling that's your passion okay can we do that in a correct way though because you could travel in a much more secure way where your life's not in danger through these things breaking down in a legally proper way in a financially healthy way how can i do that if i have a job though because if i have a job i'm stuck in one place i know i know it's called growing up and taking a little bit of responsibility at first if we do that we might have to work a lot save up have a fully funded emergency fund contribute to retirement take advantage of vacation policies or take time off even if not paid by saving up properly and doing this in the correct way and then being able to take that time to actually go travel you'll be traveling less but when you travel it'll be in a more responsible way and then in the future if we get to a point where you're able to just save up you're able to work and work your way up through uh different career positions to where there's more vacation time maybe even unlimited pto where you can really take the vacations you want lots of jobs offer those um you know that's an avenue we can take but also this traveling you're going to do is going to be so limited it's going to be so limited if you if you keep getting arrested if these things that you're going is an illegal way if that car breaks down you're not going to be able to do it if you're not going to be able to retire and you're literally um uh gosh if you get to a point where you're disabled or something like you won't be able to travel if you don't take care of yourself now in a financially responsible way in a legally responsible way this is such you're just getting the temporary high of the travel i'm starting to get sick of it that's why i was like i kind of want to stay around like austin and get a job completely contradicting everything you just said i know i'm very fickle i'm very fickle i don't like planning i'm very spontaneous yeah but also i don't care what you like there's a lot of things I like that I have to put my responsibilities over because I live in this world and I'm an adult and that comes with responsibilities.

27:15So be a f***ing adult. Working sucks though. I don't like to work. So how am I supposed to make money otherwise? I do do it. Do you remember when I just said I don't give a f*** what you like? It's called being an adult or did that somehow just... did that complicated airflow but if i don't like it then i'm not gonna stick with it that's the thing why i told you the anxiety i panic okay okay then with that if it's a mental health thing like that that's where i need you to seek therapy mental health help take advantage of local resources i need you to take advantage uh crisis helplines in those moments i need you to make sure the workplace is fully aware i need you to potentially talk to a psychiatrist or a potential medication you know it there's different methods work for different people i don't believe medication all right well and therapy is like kind of a waste of time for me i've been oh my gosh what are you so you've yeah you really have given up because you just you won't do anything what's the point of you know there's an issue and there have there's methods that have helped other people through painstaking long processes including myself if you're not willing to at least give things a shot what's the point i know you went through it with childhood but that's that's different you're an adult now you have the ability to make more choices take advantage different resources and your communication style is likely improved i don't know you're kind of acting like a child here so maybe not but i mean i'm willing enough to get a job out here but i can't say i'm going to keep it for a while then what's the point a little bit of money is a little bit of money i'm just thinking about your longevity dude then we have more in collections more in collections let's see the point 246 here 400 hours here great great what nothing just nothing dude i'm sad this is sad yeah i'm working on it i mean if you walk away from this conversation with anything it'll probably be nothing at this point hopefully people can get help out there this is i just don't think you're gonna walk with anything away with anything because you're so closed off and you've given up and you're immature and you need to seek mental health help that's what's going to happen but we'll at least provide you our resources so we'll give you access to our budgeting program uh so it'll help which um by the way at the time of releasing this video it's actually at a president's day discount all the way through monday so take advantage of it it's at a big discount all the way through the weekend all the way through monday i'll link in the description below but you get it for free because you're on the show so at least take advantage of that maybe some education will help but i mean you dropped out the school immediately for something you loved and you weren't you didn't have a logical reason for dropping out so it's like will you even make it through our program but you'll have access to it so i'll try my best try your best what does that even mean what even is your best to even know uh maximum speed limits is what you were driving a license is canceled suspended operating a vehicle without registration failed to surrender registration driving while license is suspended i thought we already saw that uh oh that's because it's a different date vehicles operating without registration again oh my gosh that was the 28th and then so i got two tickets a few months later earlier was maximum speed limit operating without registration why did you go to get a registration in between these okay so what i the car that i had it was financed and i didn't pay it off so they were holding my title in california so i couldn't get it registered in the that's not how that worked people people i moved down here with a financed car and it was registered the title was in michigan it was registered in michigan and then I got it registered in Texas and I got a license in Texas.

31:18People move. Did you pay it off though? No, you don't have to pay off a car to get it registered in a new state. Oh. What do you mean? Oh, did you not even just ask anyone? Literally anyone who's ever moved does this because most people have their car financed. This is like one of the most basic things. Sorry, I don't want to shame you if you were like completely ignorant to it. But also maybe I'll shame you a little bit because that's the stupidest thing I've ever heard so I can't decide it was some shady like car lot though so it wasn't like a problem your loan through though I Don't know the car lot I paid 3 ,000 up front and They accepted my door dash most places don't accept door dash as a Form of income.

32:07Oh gosh gosh gosh. Yeah, your hammer financial score might be negative at this point, which isn't even possible You can get yours for free. Hammer financial score on the link below, by the way. It's pretty fun. This is insane This case has been referred to collections. Please contact the firm, okay So you still owe court fees you have California court fees Yeah, okay, so when I got this how does this continue? Okay, so when I had this car uh me and my ex were going to the store to get like a drink and i was turning and california traffic is so bad i thought someone was waving me to go through so i was trying to cut into the parking lot and i turned and i got hit by a probation officer oh my goodness the dentist still in my car from the probation officer and i didn't have insurance what's the core fee for uh the no insurance right yo core fees in pennsylvania too that was when i got that's That's when I lost my van.

33:08That was also for no insurance. Why are you here? Why are you here? Genuinely, why are you here? To try and get some sort of like... What do you mean? I've talked about a few things here and you've been receptive to nothing. You've shut down. You've given up. What can I do to actually help you? I want you to walk away with something. And of course, you'll get our resources. But besides that, what can I do right here to help you? Shame me into doing something, I guess. Well, I hope that is something that actually helps you and not just a kink because like I need, this is, this is disgusting. So if shame is what works for you and it works for some, it works for me.

33:50These are the conversations that would have helped me. It wouldn't work for some and that's why they're not on the show, which is okay. Look, I'll go apply to jobs after I leave here. Huh? I'll go apply to jobs after I leave here. Self-admitted, you'll probably be there for like a week or two. But I'll try and tough it out. Try? No, you won't. Because trying requires if you know what your mental health issue is for the job, you go and get therapy and whatever. Sorry. I'm genuinely upset. Are you feeling a bit dirty? Are you a s*** for index funds like me? Or maybe you prefer BDSM, bonds, dividends, stocks, mutual funds.

34:38If that sounds like you, your finance daddy is only giving you these exclusive designs through the end of this month, and then they go away. And if it's not for you, you can eat my assets. Get your Dirty Money shirts, mugs, posters, stickers, and sweatshirts before time runs out at the end of this month. Go to shop.calebhammer.com forward slash dirty or click the link in the description below. You said you'd be willing to show us your living conditions. And I need a break from this right now because I'm actually really devastated. My brain and heart aches. So let's take a look at your situation.

35:14My car's kind of a mess, so I apologize. I mean, you told us. We may as well see because it's... And of course, if you want us to... Whatever. I don't know. I don't know. You brought it up as something we could do. So we may as well do it. And I guess it gives us more context around your living situation. And it helps people out there to hopefully avoid your situation. But I don't want to also put someone's thing on blast. But whatever. Let's take a look. This is my car. It's kind of a mess right now. What was the thing that was broken that you had to get fixed? Oh, I don't have it fixed yet. I had to get my brakes fixed.

35:51That's so scary. I'm riding on a broken axle. So when I turn, you can hear clicking. and it shakes. You're putting your life at risk. There's been many instances of people who are women living in their cars which have led to dangerous situations in the past. I'm a large woman. All I'm saying is your safety matters and I'm scared for your safety. I mean you're driving with a broken axle. This car is about to fall apart every way. This is my home right now. I'm so scared for you I don't know We have a cash app spending Thing That was what I was $2.40 came in $2.43 left So great More left than came in You're also paying people via cash app Jack in the box I mean yeah That's a good question So we We know how you sleep And how you live And I guess you probably bathe at Planet Fitness or friends houses yeah how do you eat uh it's kind of like mcdonald's jack-in-the-box i just bought a camping stove but that's in pennsylvania because i wanted to start like going to walmart and buying like why is it in pennsylvania because that's where all my stuff is because that's where i lost my van there's also the health aspect and i'm dealing with this myself but like mcdonald's for every meal well i don't eat a whole lot i haven't really eaten since i like got here i went to whataburger one time and that was probably about it it's been like three or four days

37:28i don't want to go down that rabbit hole but the reason for that jack in the box is when i was staying with my mom at the hotel the jack in the box was only thing around in the parking lot so i'd go and i would get like tacos or like because there's no kitchen at the hotel i can't cook okay jack in the box twitter pay fee someone sent you$43. Yeah. So who are your simps? Who are these simps? No, no, no, no, no. That's my ad revenue. I'm monetized on Twitter. How many followers do you have? 2 ,200. How am I not monetized? What the f***? Am I? Have you tried applying for it? You can just apply for it.

38:07No, I think you need to meet a certain threshold. You met those thresholds? Yeah. You just need 5 million impressions, 500 followers, something else. I had 34 million impressions at one point so they kind of like why? how? uh reply guy what? I just reply guy like I just reply to big accounts and so with the check mark it boosts you up so people like you know you played the system $43 isn't gonna I know visible? visible? that's my phone service yeah yeah yeah jack in the box again and zynga like gems and bullshit we're paying for phone apps instead of a roof over our head? That's a joke. That's a joke.

38:51I don't know what that's from because I don't play with phone apps. Come on. Zynga's a mobile game app. But how much did I spend on it? Well, that was$2.99, but you brought in $30 or whatever, so... No, that's for my Google. My Google One subscription. To, like, have storage for my Google. Zynga, though? Jack in the Box. rna enterprises rna enterprises uh cms vend oh yeah that's the vending machine at the hotel oh drink water from the f*** up jack in the box uh oh sorry i went up nope nope yeah there is another jack in the box anyway there's the vending machine vending machine so why aren't you with your mom in the hotel anymore she doesn't want me there why what happens when you guys are together We fight all the time.

39:41She's a very toxic person. That's why I can't be around her. I can't be in California in general. Something tells me you only put blame on other people because that's all I've ever heard from anything you've ever said. No, I promise you. And anyone that knows me can like attest to this. My mom is just not a good person. I've been doing some serious reflection on where I want to take myself this year. Like many of you, I have personal development goals that I really want to work on. Whether it's striving for a healthier work-life balance, managing stress more effectively, or just improving your mental well-being, setting goals is the first step toward making positive changes.

40:17Let's be real, sometimes achieving those goals can be hard, and that's where therapy comes in. They've been around for a while and you've probably heard of them, but their process has improved immensely over the years. And that's why I'm excited for today's sponsor, BetterHelp. BetterHelp makes starting therapy easier and accessible for everyone. With over 30 ,000 licensed therapists in their network, they can match you with the perfect therapist based on your needs, preferences, and location, often within 48 hours. Whether you prefer traditional phone calls, video chats, or even messaging, they've got you covered.

40:47And if you ever feel like your therapist isn't quite right for you, you can switch it just with a click at no cost. Remember, investing in your mental health is one of the best decisions you can make. If you're ready to take charge of your mental health and start living a healthier, happier life, click the link in the description below or visit betterhelp.com slash calebhammer. Okay, why'd you not go to the court? Why'd you not go to the court and try to get custody of your kid from your mom? Because I feel like my - In Kansas, before all the things happened. You wanted her back, why'd you not go the legal route?

41:16I don't - You said you just gave up. I don't know. Because I feel like she's better with my mom than she would be with me. Well, there you go. KFC liquor store Yeah I drink a lot You do? Not a lot a lot But I do drink What's a lot? When I can afford it like once a week I'll buy like a big bottle of What do you do though? Cause I mean You live in a car Well this is when I was at the hotel So I know But you usually What do you do? Like if I'm in the car? Yeah Are you drinking and driving? No not driving But I'll drink when I stop for the night Throw the cans away Jack in the box. Cash app out. I guess Steve must be the husband.

42:03He sends money. Jack in the box. McDonald's. Jack in the box. Jack in the box. Vending machine. Based department. That's my brother. That's his name on cash app. So he sends me money too. You are being enabled. You are being enabled from all these people. You're just satisfied and you're okay with this lifestyle that's obviously terrible. and you could very easily work and look to try to get help with your own mental health help you are choosing not to you are choosing not to and all these people are enabling those choices it's disgusting arco arco that's uh the gas station yeah three dollars 75 cents i didn't have a lot of money to put in my gas tank then the check-in account is negative five dollars so it's probably like negative 10 now great it's not that bad it can't be that bad what the f*** are you on what are you talking about are you that high are you that just like just right now what are you talking about this is like the word this is like the i'm still alive and i'm still kicking it so it's like what well that's great and i'm happy about that but i would actually like you to be able to live i'm living i came here from california didn't i isn't that living okay let's talk about health things statistically you know all i'm gonna say is this does not have the longest lifespan it does not so what what's our intent there what's our intent there we're living a very unhealthy life okay and i am too and i can be very open and honest about that i i'm trying we're eating healthier here and i've done better things and i'm down a few pounds good congratulations yay for me pat on the back lovely what are we doing for you because i want you to be able to survive so are you living no you're just barely surviving i wouldn't even say you are you're being enabled in different ways and that money's going to just fast food fast food fast food fast food and alcohol and weed and i don't buy my yeah but that's still just that's all your life is just alcohol living in a car alcohol living in a car not working alcohol living in a car not working i'm terrified for your health i don't think you're living i think you're barely just scraping by and it's only because of the the heart of others of course even though only 144 came in 380 went out most of it was gas 41.9 percent or 159 dollars because you know you don't have car insurance do you no it's illegal i know buddy i mean you're just you your life is nothing you've oh my gosh that not in an insulting way insulting way i'm not like a you are nothing i don't mean it like that i mean like you just well like the best way to say it is just like you've described you've given up so i don't like begging for like money from people i feel bad all the time oh you clearly don't feel bad enough because that's how you're surviving don't don't don't say that don't say that's disgusting don't say that that's literally what you're doing don't say you feel bad you feel disgusting that's literally what you're doing if you felt bad and felt disgusted you'd be an adult for the first time in your life and you'd go get a job and actually do something productive the first time in your life i've had jobs yeah it doesn't matter look where we are now look where we are now all that matters is now you know you could go be a piece five years ago and be great now and i would congratulate you for being good now because all that matters is where you are right now you could have been good back then you'd be a piece of now and all that cares that you're being a piece now because back then doesn't matter all that matters is the present and what you choose to do in the future right now you're being a child you're being a child i don't care if you find it disgusting or embarrassing that you ask for help that's all you do is beg for money from others and that's what you get instead of going and getting a job instead of sticking to a job does doordash not count as a job i didn't see doordash money coming in so i don't know what the f*** you're talking about oh because i have a doordash like card i just didn't send the statements for why because i wasn't doing doordash at the time i'm doing so can we count that as even doing doordash because you started doordash a couple days ago doesn't mean we're doing doordash well i was starting you've done a couple dashes well when i was in portland i was making a lot of money how much is a lot of money what's a lot of money like 500 a week that's not a lot of money for me it is my but i don't give a it's for you for society for what you need to survive that's not a lot of money oh i don't care about society yeah no because you're not even participating it you don't even know what society is you're so far beyond society and that you're going to rely on society eventually to take care of you you're going to rely on all of us to take care of you because you've just you've not cared and you you've just been a child okay okay this is great this is fantastic 21.7 or 82.61 with the going out to eat because no 10 or 38 subscriptions uh unknown shopping it's usually like walmart or whatever we just don't know what it is was one percent musolini is bull you know 0.8 percent of the large purchases 4.8 percent or 18.41 that's planet fitness which makes sense in your situation google one was the three dollars not the zynga thing so you're incorrect and twitter blue for eight dollars i think it's premium now isn't it um and then your phone is 19.7 or 75 dollars which was more than came in yeah at least i have a budget

47:49you gotta give me some credit at least i have a budget budgets don't matter if you don't follow them budgets don't matter for a single second if you don't follow them you have insurance but you don't have i had insurance to get my van out of impound but i couldn't get my van out of impound what is i postal that is like a virtual mailbox because i don't have a legal address wwwy oh i had to like get rid of that that was for uh the emo festival in vegas twitter blue you at least make that back i'll give you credit for that google one you probably need a planet fitness you definitely need it you need it right now well what's the point of having visible and t-mobile well the t-mobile was for because i had a uh i had a modem for like internet for my car because i have a laptop because i edit videos i do youtube and you can't uh use visible connect to your phone it's not fast yeah but you're just talking about luxuries at this point fast or slow well i don't have the t-mobile anymore i can't pay for it vtuber hand motion i couldn't pay for that anymore either you can't pay for any of this you don't make money nothing came in even on your best good month which was not in what we saw now you're just begging for money again$500 in a very expensive area like Portland it's not gonna get you anywhere now my gosh okay okay gets me far from just living in my car it's not I'm paying rent in Portland the gas I don't think you understand what happens when the car breaks you think you're gonna be leaning on other people but what if it's a multi-thousand dollar transmission thing what do you do what do you legitimately what do you do what's your plan you don't have a plan what's your plan find somewhere to kick it and get a job because i have friends all over kicking what are you kicking like couch surfing how many friends do you have in austin in austin probably like two three yeah and they would actually really they would want you to be there and they would help at a certain point i think it's enablement though i wouldn't want you to be on the streets either but you're literally choosing it.

49:56That's what's killing me. There's a lot of people who are dealing with homelessness that it's not a choice. Yours is. And it's disgusting. I just wanted to get into van life. And then I lost the van. So now I'm back to car camping. Car camping? You're going to camping? Yeah, car camping. Google it. It's a thing. No, I bet it is. But you're just homeless. Houseless. I have a home the car house and home no home and house are two different things okay all right yes I'm sure some people socially be mad at me that's fine I don't give a you don't have a home you don't have a house you whatever it doesn't matter it doesn't matter home is wherever you go Caleb all i'm saying is there are actual people this is what it says to me because you know i i can't believe i'm making a point where i'm like considering shaming someone for being homeless there's a lot of people that are not choosing because they have actual addiction issues that are so hard to quit because there's like a one percent chance of actually getting off of things like heroin and in the long term like statistically because it changes your brain chemistry so much that is so hard people with mental health conditions that are basically intreatable because we just don't know anything about the brain and really the only thing we can do for that person is just put them in a place that they feel essentially trapped and it's terrible those are people that really have no other choice and they're just on the street and they just don't know what to do because half the time they don't even know what's going on but you are just choosing to milk people for money.

51:38You are just choosing to allow the car to break down and then take advantage of your people who are nearby that you might know. It's sad. It's disgusting. You're throwing away your life. It's... What? Well, even if I got a job, I'd still be in my car because I don't want to pay $1 ,400 a month for rent. I could get a roommate. I'm not against the van life, but what you got going on there is not good yeah it's dangerous yeah it's dangerous people have done van life and that's what i'm not opposed to that in concept if that's what you want to do but again right now you're relying if something breaks and something is going to break on that piece of that someone else is going to take care of it out of the kindness of your heart you're using other people you're using other people instead of taking responsibility in your life so i want to get a job out here so i could try and save money i want you to i don't i i want you to but you're probably just gonna get a job and then you're gonna have it for two weeks and that's it i'm gonna prove you wrong please i will prove you wrong oh i hope you do i hope i hope you do we have a statistical we took out some of the outliers uh that you know like sold something then they paid off a large amount of debt or they have a super high income and they paid off a large amount of debt we're just going with like we're average statistical thing that within the course of seven months people pay off eight thousand dollars of bad debt eight thousand five hundred or something like that in seven months an average for people who have been on the show i want you to be that person less in the debt situation because sure i think you should morally take care of the things you've borrowed but whatever in terms of getting a safe van situation in terms of actually getting a job in terms of taking care of making sure you're set up for an emergency fund in case something happens on the van you got to make sure you're taking care of that in terms of not using other people in life using that's what i don't like again i'm not like i would i don't want to shame someone for being um homeless but using other people when you're just choosing not to work you're right i want you to prove all that wrong i want you to turn that around i'm not going to get some sense of pride seeing you fail that's disgusting i feel disgusted and i feel so bad for you and my heart is breaking so prove me wrong absolutely and we can celebrate and i'll be so happy so happy but right now i have you're you've given up i've given up i'm sad i feel disgusted i don't know what to do i don't know what i could do to help you i think you need to seek mental health help first and foremost but you're not even willing to do that so it's like at some point there's really nothing you can do for someone and that's one of the first times that that's ever happened on this show and that breaks my heart because you're a human being in this planet i want you to do well and you don't give a to do well and i can't convince you to so okay let's say hypothetically i get a job and i keep it what's the first thing i should focus on paying down i don't know if it's paying down for you i think since everything's in collections you need to have ten thousand dollars saved up as quick as you can in case anything happens that car because your life is that car it's crazy i need you to get your maybe put it in a storage place in wherever you want your home base to be you don't have to be there all the time with your lifestyle but wherever your home base is put it in a storage unit that you're you know like 20 bucks a month or something like that uh 50 bucks even like okay fine and then just get the divorce or don't whatever I don't just get your and stop taking advantage of people on it's just a moral level um yeah that ten thousand dollars from there you can at least take care of the car something were to happen from there maybe start saving up for the van but continue to work I need you to once you have the van even if you're traveling you're gonna have to work your off to get a job that works with that but I need you to set aside money for retirement minimum 20 because at some point you might become disabled at some point with the lifestyle you're living to just truthfully be honest something medical is going to happen i need to make sure you have proper insurances that you can meet deductibles

56:00that when the day comes inevitably for everyone that you can't work for whatever reason that you have enough set aside that you're at least able to sustain the van life and what happens if all of a sudden you don't want to do the van life anymore you're 25 there's so much longer left in your life what what happens at that point i want to go back to kansas i'd go back to kansas well you need to deal with that as well so this is just like first and foremost ten thousand dollars take care of your in life start being a moral person and stop taking advantage of people in a disgusting manner grow up start contributing 20 to retirement so you at least have a nest egg is that kansas what that tattoo is that what it says no it's my daughter's name i do have a storm chasing because i do storm chasing that's like great yeah well your entire life is a storm so chase it out of town and fix it finally any final thoughts no not really no great hammer financial score 0 out of 10 make sure to check out all the resources linked in the description below they are what I use or would use in specific situations, including the best budgeting program that's ever existed online, which is at a massive discount right now all the way through Monday.

57:13Thanks to all of our Patreon producers for making this episode possible. If you want to participate in an episode of Financial Audit and you're able to make it to Austin, Texas, please fill out an application in the survey linked in the description below. You can also send a link to your friends or family who you think might be good to be on the show. If you have any questions, you can email casting at calebhammer.com.