I Might Get Banned For This | Financial Audit

25:19He's not elderly. He's a very handsome man. He's bald, and he has a beautiful mustache. Okay. I love him. You know, there's usually drama in text messages and stuff, and we'll do that in the post show. Yeah, there he is. There is drama. Are you looking through my camera roll? I wouldn't do that. Oh, no. I swiped out. I swiped to see if there was more pictures of him, but there wasn't anything bad anyway. I would not. I would avoid it. Okay. Okay. And you want to have his babies. Okay. Okay. I want to have his babies. I don't want to marry him for his money. I want his babies because I love him.

25:51How long are you guys together? Like three months. What does he think of you coming on this show? He watches Financial Audit. I introduced him to Financial Audit. The co-creator of this very popular show that I like is a fan of Financial Audit? Wait, I should have brought you some stuff. Well, let me in his DMs because that is very cool. I will. That's a cool connection. I will, I will. And I'm sorry for making fun of your girlfriend's tits. belly or something. I don't know. Yeah, that was mean. Kind of, not really. Okay. Then you just redownloaded Hinge now. Yeah. To get back on. Yeah. All right, let's see it.

26:25Let's see it. Wait, are we doing that in the post show? Nope. No, no, no. Let's see it. I want to see this shit. Oh, God. Ladies and gentlemen, here it is. Bleep out her name. Screen recording. Oh, yeah. You got like the old dudes on here. Do you go old? I go. It's set to infinity. And of course, 45 and 20 is quite an age gap. but I don't think any real human actually gives a f***ing sensual adult we're not infantilizing people like on Reddit and Twitter and TikTok but you are in LA the f***ing scary place of the world where they cancel you for anything so I'm surprised this guy is not getting cancelled already for being a predator and a pet f***ing a 20 year old child I feel like that would be ridiculous you'd think so but also like I don't know Okay, so we got on here, there's her picture.

27:17The one where I look like a grandma. 20-year-old woman, bisexual, 5 '5", doesn't have children, doesn't want children, but do you want his babies? I just don't want people like on, I don't want like random old dudes being like, you want my kids? Like, no, I don't want your kids. Liberal, Buddhist, chef, South Asian. I think we got that. Okay. There's the belly when it's flat. I'm sitting. I'm just f***ing with you My first time I knew I was gay was Megan Fox and Transformers, yeah, we all came Oh my god, so hot You know my school counselor is her sister Good side is a piece of food Why didn't you cook for us?

27:56Oh Asshole Okay, what do you think your financial score is? Zero to ten, zero being the worst, ten being the best Like a one If you want your Hammer financial score, take the assessment for free at calebhammer.com Just takes a few minutes, see where you stand in the world of finances where you're doing shit, what you need to do to improve it and where you're already doing well. So take that at CalebAmmer.com. And if you don't want to be like a guest who ends up on this show, one, make sure you take STD tests. Three, download the DollarWise budgeting app. It is the budgeting app that fuels this show.

28:26All the guests that have been on the show and tens of thousands of subscribers out there. New features being added every single month. It's incredible. DollarWise.app. Take the free trial to see if you like it. And then sign up for the annual version if you do because it saves you a lot of money. And when you only do for the next couple of months only and then it's going away forever, I will personally sign my budget-friendly cookbook and mail it directly to you. All those links are in the description below. Okay, let's jump into this, shall we? Because what the f*** was this even intro? Like, I don't even know.

28:51And on disability, you're not going to survive. What, you're just going to be on disability forever? No. So I need to get medical clearance, but I can't do that until I get to a cardiologist. So get to a cardiologist. I'm on a wait list. It takes like three months. In the hospital system that you're doing, are you able to look outside of the hospital system but still in network? No, because my insurance is like Medi-Cal. Well, that's why it takes so long. Yeah, but so I'm trying to. Basically Canada. I'm trying to get on my work insurance and go through Kaiser. I hope that that will help. Because they said that I can cancel my insurance, but I'm like, it's a very complicated, complicated thing.

29:31Okay. Well, we got Bank of America. So you have to be on disability for three months just to see a cardiologist so you can get. This is such a thing. I know. So to be clear, we give you government health insurance, which is ineffective and takes you three months to see a specialist. I also pay for the health insurance. One second. So we subsidize you through there. Even if you pay a little bit of money, we subsidize you through there, which takes you forever to go see someone. Okay, that part isn't inherently bad. But because that system is so flawed that we pay for, we then have to give you disability that entire time.

30:00Yeah. Because that system is so... It's a circle of... I don't want to be on disability. No, I agree. I'm not even complaining about you doing it. You don't have a choice right now because you're not getting clearance. Yeah. You want to work. You want to suck dick for money. I get it. I mean, I can still do that at least. I know what you're ramping back up. Yeah, which is why I'm trying. Honestly,$1 ,000 to fill, that seems a little overpriced. That's crazy. Is it? It's crazy because these guys. Listen, I don't pay to. But if I did, I feel like I'd cap it at$250. But$250? It's sex. Sex is easy.

30:39Okay, okay, wait. Listen, I know there's a bunch of incels out there that suck, but even before I was known, right? I've never struggled to... Who struggles to... All you have to do is get out there. I don't know why, but some people do. No. No, my best... One of my guy best friends, he's... He's a pussy then. He's also my coworker. He's a pussy. It's also because he is an incel. Well, there we go. That's his issue. It's because he gives off the vibes of like, I need to f*** someone because no one's f***ing me. Well, exactly. Exactly, and that's the thing. You have to have a little bit of confidence.

31:09You need to play the apps, and you need to actually go out there, get a couple drinks in you even if needed, and just cold approach people. Well, I don't have a problem. I don't have a problem. I'm not talking about you, dick. I'm talking about... Okay, anyways, what I was going... Mark, do you want to be on camera for a second? Come on over, Mark. Come here, Mark. Can I interview him? No? Okay. Sorry. Here's my boy, Mark. Just come in here. Here's my boy, Mark. I am trying to get Mark to f*** some pussy. Okay. And we love Mark. He is my favorite autismo. Can I know this? What's your body count?

31:46Oh, one. Okay. And we're trying to get Mark to f*** because Mark's a hero. But the thing is, Mark just needs a little confidence. Mark just needs to play the game right. And Mark just needs to go out there. Brandon and I are going to take him to 6th Street, aren't we, Brandon? And we are going to get Mark to f***. Or you can pay your$1 ,000. But I know you don't make enough for that because he's a contractor. Mark, I think that you are a very handsome man. I don't think that either of you guys need to pay to f*** you. Mark, I think that you need a haircut because it's kind of getting bullish. Mr.

32:17Mark. And maybe that's the issue. But here's the thing, Mark. We're going to take him out of the town. It is not hard to f*** anyone that thinks it's hard to f*** as a pussy. Yes. It is easy to f***. So you, obviously you haven't paid for sex because you're attractive. Like, but these are like. No, not to everyone. To most people, I am like a legit four to five out of ten. because I'm fat and I got fat. And that's fine. I'm okay with it. But I've never struggled to find people my type. Okay, so these are guys that are like 20 years older than me. Like, obviously, I'm going to ask them some money.

32:46That dude, even though he was bald and old, that dude was not a bad looking dude. He could fucking slay some holes. He's hot. But he like hasn't dated anyone in LA since he moved there. And I'm like, why? You're hot. And he's like, well, I thought it would just happen. And he's like, you're not going to meet the love of your life at the grocery store. See, and that's why people are failing. Yeah. Because they think it just happens. You actually have to put in a little bit of work. I know. I just don't understand why men are paying you to f**k. I really don't get it. It is not hard to f**k. Because they're like 60.

33:12I love you. Listen, and Mark's not even an incel because that dude was f**king flapping that one. You know, he was plowing. And we love Mark for it. It is easy to f**k. Just get out there. Just get out there. It's not hard. Don't pay for it. Stop paying this woman to f**k. But also, sugar daddies have a sugar daddy kink. No, it is not. They literally, they're like, I want to spend money on you. I want to treat you like a princess. A thousand dollars to f***. Yeah, they want to. Like, it's, and on it, I mean, like, for me, it's fun. Like, imagine like. You think that's a kink? A thousand dollars to f***.

33:44It is a kink. Okay, she says yes. She was in LA for a while, so, like, I get it. No, these sugar daddies, like, one of them was like. It's a f***ing kink. Yeah, well, no, no, no. They, like, their kink is, like, treating someone. like princess treatment. Like they were like, oh, like when I go to their house, a lot of them are like, you just lay in bed and don't lift a finger. Like I'll come bring you everything. Like I'll come massage your feet. And like, they like just want to do, like one of these guys, he was like, I just want to like shower with you and like bathe you. I was like, okay. I love a good bath.

34:21The internet knows it. I love a good massage. The internet knows that too. I don't pay for it. You don't pay for a massage? Oh, well, I guess you're - No, to give. Oh, yeah, I know. But that's what these guys like. They like to like, they like one of the guys that I hooked up with. He was like super. Hooked up as in he paid for. Yeah. He was like super into like femdom. So he just wanted me to like crush his dick and stuff. Like, and he was like, I want you to. How do you crush a penis? Like he wants me to like. Like. Did it not hurt? Yeah, but he likes that. No, did it not permanently hurt? No.

34:55I mean, he's like 65. Like, I don't think he barely feels anything down there. Please tell me you're on birth control. I am. But also, what was I going to say? I was going to say that he also liked me to tell him, like, about the other guys. I was like, he was like, he's like, tell me. Dude, okay. These rabbit holes, I apologize. This Bank of America, you owe$2 ,256.48. Oh, damn. And with a$68 minimum fee payment. This is another reason Brandon would never fuck you. Look at you. You tell everyone about all the stories about the people you... Yeah, I know. You're a cancellation risk. Do you have an NDA with this current guy?

35:35No. Really? He has not been in LA long enough. He's been there for 10 years. He hasn't dated a lot. Then, listen, as a fan of the show, and as a fan of the show, you make... NDA the fuck out of her. What are we doing here, guy? She is a flight risk. I'm not. I have signed NDAs before. You are a flight risk. which I told Lindsay I can't talk about, so I am legally abiding to my NDA. I appreciate it, but you are like a full Pearl Harbor flight. Yeah, I know. I'm a little bit of a yapper. Get it? Asian? Okay. Oh, okay. I'm not Japanese, so. Uh-huh. $2 ,256.48. With a$68 minimum payment, what is going on with this card?

36:19You're spending on a card that you can't pay off that fees are accruing. Hey, hey, hey, hey. Hey, if you do not actually make your minimum fee payment, well, if you make your minimum fee payments only and you don't purchase on it, what do you have purchased on it? How long does this take to pay off, lady? What's your stripper name? Angel? I think 13 years. 10 years. 10 years and no man will desire you at that point in the sugar baby world. Well. Right? Because don't they go young? My neighbor that was a sugar baby, she just said she was 27, but she was 34. Okay. And what's your plan? Well, so I want to work in kitchens for like the next 10 years.

36:54Oh, your heart's disagreeing with that. Yeah, well, that sucks. But hopefully we'll figure it out and it won't be that big of a deal. You don't have an OF. No. Oh, thank you. My family would kill me. No, you don't do online press. You just do in person. Yeah, exactly. So anyways, so I want to cook for like 10 years and then I want to become a high school culinary teacher, which makes about$120 ,000 at my old public school. Does every public school have this? Not every public school, but at least— Ah, okay. So this is not a high-in-demand job. It's not a high-in-demand job. I don't know why it pays so much.

37:32How do you know how much that job makes? So in California, there's a website called Transparent California, and you can search up any public employee's salary and benefits. It doesn't outrage anyone enough to bring down taxes somehow. Okay. Why are you purchasing it on this card then if your plan is to not have it in 10 years? Because I'm bad with spending. No income will save you. No income will save you. Yes. No income will save me. And also this is before I lost my job. Or not lost my job, but took medical leave. What's the fee? You've had fees like every transaction, foreign transaction. What are you getting foreign?

38:12I use that to pay for my wisdom teeth removal, I'm pretty sure. In Vietnam. In Vietnam? I went to Vietnam. Is that the homeland? It is the homeland. It's where my mom lives. Is your last name like Nguyen Jin or whatever? That's my sibling's last name. See? Yeah. Every time. Yeah. You probably have the other one out of like the two last names. I do have the other one. Okay. Well, mine's more like Chinese, but anyways. So my mom lives in Vietnam. Me and my siblings all went there for her birthday. Your mother lives in the Vietnam. Yes. We love the Vietnam. Yeah, it's beautiful. We, you know, they came back around.

38:46Anyways, I got my teeth pulled there because it was only$300. And in the States, it was going to be like$800. Oh, yeah. It's very different when it's done in a tunnel versus a building. It was a very nice dentist office. I'm kidding. I'm making fun of them. We love the Vietnam. Could have been the 51st state, but we love them either way. Day and night liquor. So getting stuff so you can suck the old dick. That's not true. What's the oldest you've gone for? 70.

39:15That's up there It is up there That's up there It is up there I'm not much of an age gap carer And I still really don't care But that's up there It is up there It is up there Can I see? I don't have a picture of him You know him? I know him You can't look him up? No Like I don't He didn't even give me his real name for a long time Was he able to walk? Yeah And he was able to get up He's pretty in shape because he sails a lot Did he just lay there? No He was like pretty active Oh I want to be there Actually I would get tired And is he famous? No No. He was like a lawyer. Yeah. I would get tired before him and then he would just jerk off next to me.

39:49Well, you know what? Okay, and then you went and got some bullshit. Can I tell you about Day and Night? Corn at Dickies. Usually they pay you for the Dickies, am I right? TikTok shop. Day and Night Liquor. Again, glugging it up just to survive. Day and Night Liquor is the convenience store that's right next to my apartment and I've spent way too much money there. Yeah, to get through all the old peen. I don't drink. I just smoke a lot of weed.

40:13Well, that's why you get tired when you're bouncing on that deck. D-H-A-Koha-Lan-A-Gar. That's the wisdom teeth, I'm pretty sure. Oh, yeah, I was going to say that doesn't, that's definitely a communist type of language. And then C, Pop, okay, Pop Mart. I brought Pop, I brought Pop Mart for you to look at. Great. Yippee. I do have a Pop Mart. It's tall enough to fit in there, huh? I have a Pop Mart addiction. I like skull panda Aren't these so cute Caleb Did I break it? No it comes off But like why did you grab it from there That's like grabbing a man by the dick Like what the I don't know you do that all the time What the fuck am I looking at You're so cute How much is one of those $25 Oh you need to die How much did I spend on Popmart in LA You're from LA Yeah.

41:09Well, no. I grew up in France for like five years and then I moved to L.A. You moved to L.A. so you can get paid for dick? No, I moved to L.A. in first grade. Oh, okay. My mom wanted me to go to those. You have a lot of foreign transaction fees constantly. 43 bucks this year. I went to Vietnam. That was the only. No, no, no, no. In the Vietnam, it was only$10. But you've had 43 this year. Maybe it's Popmart. I don't know if that's. I bought like multiple things in Vietnam. What are you going inside the market and getting for like 10 bucks? What market? Main Street Market. You're just getting like$10.

41:41Oh, Main Street Market. Yeah, it's energy drinks. Okay, that's f***ing moronic in every way whatsoever. I know. Here, you don't make money. You're about to go on disability. Take some of these. Gamers, they're goonie and you're goonie. And we love that you're goonie. Honestly, I don't even, honestly, I don't even care that you're a b***h. I really don't. I'm okay with it being legalized as long as it's safe and it's smart because consensual adults should be able to do whatever consulting adults want to do. Yes, of course. Can I make it? So here you go. Gamers Subs. it is I've been saying 25 cents someone called me out and I think it's like 40 cents a story it's still so cheap I asked Lindsay and she said it was really 25 cents the liar but that's my mistake I don't remember but either way there's a discount 40 % per saving gamersups.gg link in the description below get your free samples by typing in code Caleb what flavor is this well it's very strong in the powder form you dumb tit okay I got that wait wait wait is this strawberry This isn't strawberry, right?

42:36No. It is strawberry? I'm allergic. I'm allergic to that. Either way, make your coffee at home, make your energy drinks at home. It tastes just as good. It tastes just as good. It smells like strawberry. It's very good. You came for the finances. But what if you could have more? Welcome to Hammer Elite YouTube's number one membership. Get even more exclusive members audits. Your time, 100%. Yeah, yeah. but juicy post shows. You were doing this behind his back. One of them, I've actually never seen this photo. Spicy audit breakdowns. We still don't film with people like that. Like, he is a next level.

43:16Audit updates. I'm seeing a therapist now. Personally or romantically or both. Behind the scenes moments. That's okay. Okay, wait. That's okay. And budget buddy surprises. And for this month only, you can get all of this for free. Join with the link in the pinned comment or description below. Submit proof of purchase at HammerElite.com and we will reimburse you for your first month with a$10 digital gift card that can be spent anywhere in most countries. You have no idea what you're in for. Starbucks is bullsh** and a waste of money and you already know that by making your coffee at home and investing the rest.

44:02So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. or 10 % off your order at gamersupps.gg, or click that link in the description below. Type in code Caleb. This is lemonade. I'm going to try this one. Sorry, I'm allergic to strawberry flavoring. Okay, you just literally snorted it in, so you're probably about to die.

44:42Yeah. And I'll also get you hooked up with the Fizz card as well, debit card that builds credit, because obviously you can't - You don't think I can be a credit card person? Well, no. If I just try really hard. I mean, you could try really hard, but you're not. You're objectively not. So why would I think you can? I mean, I would have put it in there so you could use the shaker. I put the strawberry shit in there. I know you're professional at this, so. I put the strawberry in here. I can't drink it anymore. I would have dumped it out. But now how are you going to stir that? How am I going to dump it out?

45:09How are you going to stir that? I'm sure I have something. She carries around straws? In my collection bag. No, I don't have anything. Okay. Girl, you're a mess. Oh, wait. I have a stir. I have a stir. So you tell me you think you might be able to be a credit card person, And yet the next credit card I have right here is literally credit one, which is the worst of the worst of the worst of the worst. It is indicative of you being the worst.

45:35Okay.

45:40This is good. It is very good. It's like a, I would rate that like an eight out of 10. Yeah. No, they're, they're legitimately delicious. I don't know if it's the caffeine version or hydration version, but I think that is the energy drink version. It's just like a normal energy drink. But on here, you owe$447.03 with a minimum payment of 60 bucks. Yeah. What are you doing? You want to say you're a credit card person? Fuck you. You spent$454 on here this last month. You put a payment towards the other balance, and then you immediately spent on here. You're just like paying down a little and obliterating it constantly.

46:15I paid it completely off before I went to Vietnam. And then when I was there, I just bought my mom a bunch of shit, basically. Can she not buy shit? No. We like that. She moved there. By the way, there was the TikTok purchases on the last one. Pull up your TikTok shop for me. Let's see what's going on here. It's cleaning products. I like to clean. I don't even have like TikTok on my homepage because I don't use it. I only installed it to buy things. Why does it even matter? Doesn't everyone just open apps by swiping down and just opening the app? No, my phone is color coordinated. Are you looking at me for a compliment?

46:50I'm just letting you know. How do I go to my old purchases? I mean, you'll figure it out. Whatever. You know how to do this. What does he like about you? Because again, I love his show. It's a very good show. Many people in the office look forward to every season that comes out. Okay. I mean, amazing. You got things in. You got a big stainless steel cat litter thing and then a litter box deodorizer. This is all in cart. But how do I TikTok shop? I don't use it. Wait, let me try and figure it out. How do I see the past purchases? I'm going to try and figure it out for you. I don't... Quiet now.

47:24All right, whatever. Here's the orders. Oh, I forgot to start a screen recording. Okay. We haven't done anything yet. So a vacuum, I guess. It's not a vacuum. It's a steam mop. And I love it. Okay. And lots of cat litter, cat steps, and other cat thing. Those were all returned. A big bucket thing for the cat to be put in. I just wanted the litter. Okay, one was returned for what it's worth. One was returned. And then you bought them again. No, no, no. out the Amazon. The cat stuff was all returned. No, it wasn't. It's literally not. It's on there and it's on screen. I need to figure it out then because I think it's...

48:00Wait, long distance gifts for girlfriend. Oh, like the hundred reasons why I love you. I bought that before he broke up with me and I was going to do it. Resin kit. Lots of phone cases. Many canceled and then eventually you chose which one. Flower crowns for woman. White lace sheer long bullshit. That was for Halloween. Woman sexy body... Dress. That was for Halloween. Body dress, I guess. More cat things. A foldable bath mat. These aren't horrendous. You're just purchasing a shit ton of stuff, which is what's crazy. Because, again, that filter's not horrible. Hepa replacement, that's not horrible.

48:36But it's just you're endlessly purchasing. Also, I bought the phone cases because since I've been unemployed, I've been bored. So I got back into... Yeah, but that means you can't spend money. This is when you start stocking up for the big storm, dude. Hurricanes inbound. You need to board up the balls. Yeah, I know. Okay, okay. And then your subscriptions, you got DollarWise, which, I mean, that is good. You'll get it for free forever now, so we'll reimburse that. But even though it is a subscription, again, that's one of those subscriptions that like you pay for it and then you get thousands back because you actually budget.

49:07So that makes sense. And I'm also okay with iCloud Plus, Mr. Number Lookup. So that is for sugar babying. So you put in a number through there and then other sugar babies will leave reviews for people. And so then you can like determine if they're crazy or not. You ever had a bad experience? Not me, no. But I've been really lucky, though. I've had a lot of friends that have been, like, drugged and stuff, which is scary. Well, you also don't really seem to have limits, so. Well, a lot of my friends don't have limits either. They just, like, you know, you end up with the wrong people. Well, yeah, I mean, obviously drugged.

49:37But I mean, like, yeah, if you, but, like, what most people want to do, it sounds like you do, so. Okay. Oh, wait, but I wanted to show you this. I buy phone cases. How many things are fit in there? To paint them. Look at this one. that I did. Oh, interesting. An animated show figure. But anyways, so... It's interesting. I want to make you one. I want to make you one for your phone. I don't wear cases. Well, that's stupid. No. What if your phone breaks? Okay, I use my AppleCare. Okay, right. I never. Fine. I'm also successful. Yeah. Kind of like your ex. Yeah. Except I don't pay to fuck. Well, you didn't either.

50:17You didn't either. I like you and your show. I'm not saying you paid to f***. No, he's amazing. We're not talking shit about him. She was doing that before. No, there's nothing bad to say about him. I know. I mean, look at all that he's done for me. And if you want to invite me to come tour, the thing that you guys do. Okay, I'll talk to him for you if you want. I'll talk to him. I think he likes me more than you. Okay. Oh, he f***ing dumped your ass. He's giving you money and he won't even f*** for it. You had a late fee. Why are you late? On credit one, I have a late fee? Dude, you're literally glugging and sucking down cum and yet you can't pay?

50:54I didn't realize that. Nut money's coming in left and right and you can't pay a$30 payment in time. What is wrong with you? I think that was like six months ago. That was before. No, this isn't. This was last month. Oh, this was last month. This was October, you dumb f***er. Yeah, I don't know. I have no idea then. What are you trying to say six months ago? F*** you, this just happened. What is wrong with you? How do you not know anything that's going on? I made. You literally have. I made a late thing. You literally have the budgeting app. What is wrong with you? I just got the budgeting app, though.

51:23Okay. Just like anything else with any other education or anything you do, it only works if you actually put in the time. I have used it. I've used it. How were you late then and how did you not know you were late? That was before I got the budgeting app. Oh, for fuck's sake. What is wrong with you? And, yeah, I don't know why. Yeah, that's my B. Like, I shouldn't be late. I shouldn't be. How do you even not know, though? Do you not look at your finances? I do. I do. I check them. But then it would be impossible that you do not know. Would it not be? Yeah. I think, I don't know. I don't know what happened.

51:55I was in the middle of that. Are you going to blow it all the way up? No, I upped it so that I would have less credit card usage. No, because you push it up to the limit constantly. I know, but I need to stop doing that. I can't do that anymore. It's like, but it's, okay. In my mind, the way that I thought about it when I opened these cards, I was like, well, I'm only 18. Like what's the worst that's going to happen? Like people have a bunch of student loan debt. And then, but then like. So you didn't go to college? No culinary school? No. I did. So I was. What can you even cook that's good? What are you talking about?

52:30I literally. What's the best dish you can make? The best thing. I don't know. I mean, that's like such a vague question. Like I. If you were to cook a signature dish, what would you cook? I would cook. I would cook chicken teriyaki burritos. That's my favorite thing to make. but that is not like I'm a fine. Do you cook for yourself every meal? Nope. What is wrong with you? See, and then you're late. You never cook. I never cook. What is wrong with you? I cook for 10 hours a day. I don't want to go home and cook more. Does it matter what you want? You don't have money. And you don't cook 10 hours a day.

53:03You're on medical leave. How long have you been on medical leave? Two weeks. Why aren't you cooking? Well, because he gave me his credit card on DoorDash. Bleep the name. Is that the guy? That's my ex, yeah. He gave you. Why would he do this? Because I don't know. I don't have the answers to these questions. Why is he enabling you? Why? Well, I feel like. Okay, when did you get Hinge? I got it again like three days ago, four days ago. Okay. Open it again. Do you like my dog? You like dogs. Can you order lunch for the office? Yes, your dog's very cute. No, I can't because I think I haven't checked if he removed his card, but I don't want to.

53:44Let's check it. Okay. First, I want to see Hinge. And then second, I want to see if he's removed the DoorDash. I haven't used it. You got a good amount of likes. And then he. Okay, we got five minutes. Let's see. Dude. Also, he's. Oh, my gosh. Dude's 50. He looks wild. Yeah, he's scary as fuck. He does, but maybe he's. What does he do? Apparently nothing. Well, they don't really like to put their full job title on there usually. Oh, my gosh. This one's 60. He works. He said he wanted to spoil me, so. Well, yeah, look at him. But he's also scary. Really? Why? I don't know. Like, his smile. It's like Cheshire Cat.

54:27Let's arrange a meetup this week. So you're about to, he's about to pay$1 ,000 to f*** him. Most likely, yeah. And you're okay with that wrinkly 60-year-old dick? The dicks are usually normal. Are you into it? I am. Are you into it or are you just into the money? I'm into the. For this one. For this one, just the money. but I am I do like getting paid to okay see this is this is what it's like what tell me oh because it's like it's like oh like someone would pay you like that much money to like I like for them to like print the money out in dollar bills and like throw it on me that's fun okay so he uh your prompt is the way to win me over his food and he said how about a lovely brunch her immediate response is at the beginning hi do you want to spoil me he says yes spoil like milk you said that's what I like to hear and then he said where he lives okay you said where you live we should meet up talked about it was raining because it rained in LA and it was very scary okay he said looking for someone fun likes to be taken care of and chill together you said that's what I'm looking for too I want a provider, someone that will take care of me.

55:39I'm a homebody, so I love cuddling, i.e. cuddling your asshole onto a penis. What's up with the asshole thing? What? Like, I have a vagina. You have a vagina, but you said you let them do anything, so I assume they're just sticking it in your asshole. Oh, no, no, no, no, no. Anals, I don't do anals. Oh, then she doesn't do anything. What the fuck is she talking about? That's the only thing. It's the classic girl that says I'm into anything, and then it's like the one thing that's above, like, normal, just doesn't do. No, anals, the only thing I don't do. Like, I will literally get tied to a f***ing bed and like be in.

56:10I don't care. That's normal these days. Yeah, but like, okay, so like I've, I mean like there's a lot of sex parties in LA too. Uh-huh. They do crazy shit out there. And do you go? I've been to one. I, my friend's dad so, f*** hot sugar baby she, my, she started f***ing my old best friend's dad who runs a s*** club in LA. Mm-hmm. Yeah. That was, and she was like, I met this guy. You go there and just get railed? No, you don't have to have sex if you go. Did you? No. Why? I wouldn't. Because I just wanted to see what was up. Was it fun? Yeah. It was fun. They had like a. Diddy party? Yeah, it was kind of like a diddy party.

56:51But they're very like, they have like security guards there. They're like, you need to consent. Like, you know, this is not whatever the fuck. I hope so. And then, you know, they had like a show that was like a married, like it was like a marriage. and then the girl just gets like f***ed by like five guys. It was insane. And then you asked the scary guy, do you want to spoil me? And he said, yes, do you want to spoil me? And you said, of course. He sent a lot of messages and you kind of ghosted. Oh, yeah, because that's when I started dating. Okay, this guy matched with you. He said you're pretty and you said, do you want to spoil me?

57:22And he says, does it actually work? And then you said, yeah, some guys know how much a money is worth. Or how much a woman is worth. And he said, well, good luck with that, which is fair because what the f*** you're insane. There's a lot of guys that don't want to pay you, but there's a lot of guys that do. Oh my gosh, how old is this guy? 67. Okay, let's see. Does real estate in LA. Hi, do you want to spoil me as your opening message? He says yes. Pretty much like a copy of this. I like cash and good faith. Good food, I'm a simple man. Okay, I have a little bit of both. That's perfect. We should meet up.

57:55Leave the phone number. There's your phone number. Okay, and here's the last one. looks like a filmmaker of some kind. He's a director. Oh, you didn't open with. You opened with talking about film. Because some of the, like, the nerdier... Because you're just trying to get clout. Some of the nerdier guys, they don't like sugar babies. So I would rather, like, get them for something else. Why do you want to spoil me? That guy didn't respond. Why don't you just find a good man? Why do you want to spoil me? That guy didn't respond. Why do you want to spoil me? That guy didn't respond. I just don't.

58:29I don't have like, I, I don't know. I like being single. This guy asked if you like to watch. This makes no sense that she can do full promotion on Hinge. And literally, and I'm glad we want it back. But like, I went on this date with a crazy bitch that hadn't been on a date for five years. And she also opened up messages like, or she opened up our conversation person with the, yeah, I haven't been on dating years because I don't trust men. That should have been a red flag. And we went back to my place, tried to hook up. She didn't want to. And I was like, okay, please leave. So I called her an Uber because like that was pretty much it.

59:03There was no interest there outside of just a hookup. And that's fine. Consentual adults do whatever consentual adults want to do. Then she left. And then because I wanted to hook up and not actually go on like a date, she freaked the out, got me banned on hinge and stuff. Obnoxious. I know. And yet you're a prostitute on there. Now, luckily I got it back because I was like, look at this crazy bitch. She's going crazy on Reddit and a bunch of crazy places. Cause she's an actual insane freak that over sensationalizes things. things and tries to destroy people's lives. Exactly. And that's the only reason she decided to do it, my lawyer told me.

59:34No one else would actually do what she did. She's crazy. Hey, would you like to have sex? No. Okay. Then we should go our separate ways. Canceled! Like, what the f*** are we doing? People are insane. And then you do online prostitution and you're just allowed to be on there. No wonder the stocks for Match Group, who owns Hinge and Bumble, are literally at the bottom of a cliff. Who would have thought? And Grindr's going to the moon. I just want to clarify that I give these people my number because that way I get their number and I can look them up on Mr. Number and then I can block them. So that's why I get like I immediately give them my number.

1:00:10I don't think we're talking about your safety. I think we're talking about how insane those apps are. Oh, yeah. I mean. Well, I mean, seeking arrangements is literally like just full blown for escorts. Yeah. I mean, I'm not defending them. I don't know. And again, I don't really care what adults do. Oh. Okay. Let's double the love. What is this? Ulta. What's going on here? I got to try to cover up all that so that you get money for. I opened an Ulta card to buy eyeshadow. And then I was like, that's the only thing I'm going to buy. So then I didn't buy anything. And then my mom came to visit and I bought her some makeup because they don't exist in Vietnam.

1:00:48And then, but I have not used that card since. Like, and I've been doing my payments. Okay. Okay. Well, you owe$137, and you're just making your minimums. $37. Well, what is this? Fees and interest. $37 is your minimum monthly. Shit ton of fees this year. What are the fees for? Account or sure? You're paying for, like, some account protection. How much is the fees? Well, it's stacking up to$40 this year so far, but it is still money being taken away when you don't even have a job right now. I know. I should just pay that one off. Yeah, just pay it off. No shit. I just said. I don't understand why you don't.

1:01:23I literally just did. You just opened this a few months ago. Well, why haven't you? Because that's indicative of what the conversation, what your life looks like after this conversation. Because you didn't walk it into here. Sure, you can come sit here and say, I'll just pay it out for now. Why didn't you? Because that's all that matters. That is what's going to impact what's done after this. I don't know why I didn't. It just wasn't like important to me because it's only$100. But then it's like, yeah, the fees go up and like they just don't stop going up.

1:01:52Okay, Quicksilver, what's going on? Um, it's just another bullshit spending. Just more bullshit spending, basically. $483.74. The minimum payment of$25. Yeah, transactions you're purchasing. Yeah. Well, interest is accruing. Why? Why are we putting money on cards that are just accruing interest like crazy? Because I don't have the cash. Then you can't purchase it. Would that not be the natural conclusion? If the budget, if Dallas West says you do not have money to spend, why are you spending? I don't know. You haven't paid rent this month, lady. You haven't paid rent. You're literally f***ing glugging it down 90-year-old dick so that you can make money, and yet you're not even paying rent.

1:02:39What's even the point at that point? Well, I haven't this month. That's the thing. I haven't since. So that's been like four months after the game. Stop saying his name. We have to keep believing it. Sorry, sorry, sorry, sorry. I hate your ex. Can we give him a fake name? Yeah, since ex. Since the ex. Okay, since ex. Dude. Okay. Since my ex, I was out of the business for like four months.

1:03:05The business of... Yeah. Okay. When he broke up with me, he, you know... And what are your purchasing? What are your absolute necessity purchasing that you have to do or else... There's a bad purchase on there. Yeah, but you said, I don't have money in my checking account. So obviously you have to purchase this. These are needs. You'll die without them. It's a knife. I bought a knife. Why? Because I'm a cook. Okay. Pet camera, Spotify, and then there's the knife. Okay. So the Spotify, I did move to my checking account. And my Furbo, I also moved the subscription to my checking account. Well, that's a good start.

1:03:39But Furbo, do we need this? Yes. For a cat? For my two dogs and my two cats. What? This is a camera, right? Yeah, it's a camera. But I use it also like as like a ring basically. So like if someone comes into our house, I have it on video and it records like. Which is coming into your house? Well, my roommate invites a lot of people over. Well, that's your roommate. I mean, she dates like crazy people. No, no, no. We don't invite sugar daddies over. But she was just broke up like two days before I came here with a guy who was a drug lord. Good news, Brandon. A drug lord felon. Well, she's hot though.

1:04:16If you want to land a high-paying job but don't have experience or a degree, then you need to learn about course careers. It is the easiest way to land the high-paying career that you've been dreaming of. I've done financial audits for hundreds of people, and what I've learned is that the single biggest factor someone can take to improve their life is getting a higher-paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high-paying career path. They teach many different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician, plumbing, HVAC supply chain, and many others that can be done remotely.

1:04:56And the coolest part about Course Careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry-level job. And they have a 100 % free introductory course for each career that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign up for one of their free courses today. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money.

1:05:27You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. That is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month. Spending, subscriptions, and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download DollarWise today, you'll get six to try it for free, plus three months for just$9.99. So you can finally take control and see what your money's been doing behind your back, click below to get started. Who literally, he was caught with.

1:06:12Does he want to share the wealth? Well, he got caught, so he doesn't have any wealth. So then my roommate was like sugar mama-ing him. And then I, in turn, was having to sugar mama her because she makes like no money. But yeah. And so then. Yeah. Does she ever not pay rent? What's going to happen when you don't pay rent and then she's on the hook? Well, she hasn't paid her rent either. We didn't pay rent for a while. She doesn't pay rent either. Yeah, she hasn't yet. No, not this long. For how long? So we moved in in August. I paid first month and then we paid one month after that. But they wouldn't give us our garage fob.

1:06:50And then someone's car got broken into right outside my apartment. This doesn't matter. You have to pay your rent. No, I told them. I was like, I'm not paying until you guys get me my amenities. And they were like, okay. and then but the only we only so the rent in total is$3 ,200 but we only owe $2 ,500 because it was only like a prorated month that we missed and we are also So when you guys are on the street with the other lovely people in LA Yeah because there's a lot of them Then what? You can't say it doesn't happen because that's what everyone tries to You're getting evicted you dumb tit You guys are paying your rent Yeah, no I mean definitely Wait, you were sugar mariner Have you, you and your roommate?

1:07:32No, I just mean like. You're bisexual. Oh, well, I mean, we do threesomes for money. But I mean, she's beautiful. Agreed. Yeah. But anyways, so like obviously evicting happens, but literally no one in my building has paid rent. And there's also mold in like almost every apartment. So we're going to get a mold check too. Well, you should get a mold check. That's for sure. And maybe report it to local institutions. But yes, people get evicted. You know there are homeless in LA. That's kind of a thing. I know people get evicted. My mom got evicted. That's why she lives in Vietnam. Well, there you go.

1:08:05So to assume it won't happen to you. I'm not saying it's not going to happen to me. And you're banking on the mold thing, I have a feeling, which I don't want you to have mold. But if you do, then yes, leverage it. I'm not banking on the mold thing. So they also owe us$3 ,200 because we had a move-in incentive. And it was like, well, we'll give you this gift card. And then they switched property management companies. and the new property management company is like, well, that was for the old property management. And we were like, yeah, but if you acquire a building, you can't just put this on the resident when this was in our lease agreement.

1:08:39Like you acquired - I hope you don't get evicted. I'm hoping. I don't know. I, yeah. I mean, I - Okay, and here's the ten. Past due, right? This is it, right? No, no, no. That's a different one. You're from a different place. Why? What happened? Can I just say first that I have a claim open with the LA Housing Department for my, for me not. No, no, no, for the garage fob situation. And there is a claim open. The garage fob. Yeah, I know. It's so stupid. They literally didn't give me my keys. Okay, well, you have a claim open. Yeah. So we can't rely on that because it's just an open claim. We don't know where it's going.

1:09:11Yeah, I mean, it's just that way, like, if we go to - I highly doubt the LA government is very effective. I mean, if you - Because they spend a lot of money. Usually the more they spend, the more bureaucratic it gets. Yeah. The thing is, though, that if you have a claim open with the LA Housing Department, and you go to small claims court, like it will pretty much like guarantee that you win against your property management. They're very like - I can't agree or disagree. I don't know, but I do not trust you as a reliable source with that information. You don't need to trust me. Now what the - Because your past, maybe they'll see that you're passed with another landlord and they'll say, fuck you, this is an ongoing thing you do.

1:09:45So that is because I broke my lease. I was living in Hollywood. If anyone lives in Hollywood, and it was behind the In-N-Out on Sunset. It's insane over there. Why? It's just like homeless people and crackheads. Well, why are you guys dealing with it? Why do you stay there? What the fuck is wrong with you? I love LA. Oh, yeah, that sounded great. I love crackheads and homeless people. I hate Hollywood. I don't like living in Hollywood. I never liked living in Hollywood. But anyways, so basically there was a homeless man sleeping outside of my apartment window. And they did nothing. And the homeless man?

1:10:23Or the... The city. No, they didn't do anything. There was... What the f*** is wrong with... They're just... They're like concluding civilization over there. They're just done. There's like not even bars on the window or anything. It was like insane. It was so scary. Like he could have just... Well, us in normal places where we actually enforce laws do not need bars on our windows. I'm just going to let you know. You don't really see bars on windows in Austin because... There's not that many homeless people. There are homeless people downtown. Where are we? But at least the state actually enforce them.

1:10:50But in downtown, are there not bars on the windows? Rarely. It's like a sketchy bar maybe. Okay, okay. Well, in L.A., it's pretty common because of the extreme homelessness. Yes, because they don't actually enforce laws, and they just allow anarchy left and right because those are very effective policies that have been proven to work over and over again in every city that's ever tried them. But anyway. Yeah, I'd stay there. That sounds great. Yeah, so I broke my lease. Also, my mom was getting evicted, so I moved back in with her because we were trying to move her. So she was just in LA. This was a year ago.

1:11:23Look at it. Your mom went to Vietnam a year ago? Yeah. Moved back to Vietnam? Why don't you guys just move to like an actual place with opportunities and like, oh my gosh. Well, I don't want to move out of LA. Lindsay escaped. Yeah, that's on her. I don't know. I like LA. She loves the escape. Maybe she'll convince you that. Well, yeah, because you're just getting 90-year-old dick for$1 ,000 a pop. It's kind of crazy. It's insane what they will pay for. Yeah. But anyway. Anyway, so we had to move my mom to Vietnam. When's the last time you ever took a penis that wasn't paid for? Your ex does not count in this situation.

1:11:57Oh, okay. My ex doesn't count. Then like, I don't know, like four months ago, five months ago. That's crazy. I dated my ex for three months. How's that crazy? So there was two months of only paid for pee-pee. I don't really like to have sex very often. What? That goes against everything you have said. One, you said you're a crazy sexual person. Because. And two, you said, I love to have sex with people is what you said earlier. Yeah. I like the ideas. Like I like the BDSM stuff, but I don't like to have sex very often is what I said. I don't know. I just don't get horny that often. Oh, that's okay.

1:12:31I guess. It's just like, okay. Like when I want it, I'm like, oh yeah, let's go crazy. Let's go have an orgy. But when I don't want it, I'm like, I literally could care less. You just stop paying? No, I still pay on there. I mean, I'm paying like$200 a month. So is that your minimum? So I owe, no, there's no, it's not like a plan. It's just I kind of do it. But they, so I owe like$1 ,400 on there and they offered me to pay$700 to. So$700 one time. Then why do$200 a month indefinitely to$1 ,400? They only just offered this to me. Okay. Right before I came off the show. So$1 ,403.45. So if I pay$700, then this will just.

1:13:12$700 or$750? $700. Okay,$700. So we'll put that in the notes as we go for, okay, you have a car, obviously car dependent, one of the most car dependent cities in the entire country, Los Angeles, even though they have a pretty extensive light rail system. They just don't actually, again, enforce any laws or disallow antisocial behavior on them. So who would take those? Well, also they're like not in, they're like the metro system only runs from downtown straight into Santa Monica. Yes, it makes no sense. If you want to go anywhere else, you can. They have an absolute shit system and then they just allow anyone on it and it gets crazy.

1:13:46And the buses are like, sometimes they just never show up to the bus stop. Well, that and antisocial behavior. So why would you be on it anyway? $15 ,574.67. Okay, that's substantial, especially for someone that doesn't really have an income. Now, a minimum fee payment now,$393. What's the interest rate on this? What is the car? I know it's Toyota something. It's a Corolla, a 2021 Corolla. Lindsay and I tried to find the interest rate, but I couldn't. But what we did find out was that I can't even see how much went to interest to even calculate it myself. I don't know why. This is like the only statement that they had.

1:14:20But I mean, it's a billing statement. So obviously, but I paid. So I did a$7 ,000 down payment, which my dad gave to me. What do you think the car is worth? I think that when I bought it, it was worth now. Now you did. Now you did. That's all I'm asking. I don't give a about that. No, probably like 15, like 14. Okay. It's worth 12 ,800. So not only did you put$7 ,000 down, you're still underwater. Yeah. Like a couple thousand bucks at a minimum. Three. So I wanted to get a beater car. Originally, I had a 2008 Prius, and I had that one for a long time. I put like$2 ,000 into fixing it and stuff.

1:14:57So it lasted me around two years, but it was already, it was like at 250 ,000 miles. By the time that I traded it in for this car, the odometer wasn't working anymore. like the screen, I couldn't see how fast I was going or anything. It doesn't matter. Either way, what was the purchase price of this car? It was$1 ,500. How much? No, you owe$1 ,500. No, the purchase price, like the sticker price was$1 ,500. No, the entire amount at the end of the day. Okay, I don't buy cars very often. I'm sorry. Because how much did it cost, lady, to get this? I think the total was like$25 after everything. Crazy.

1:15:30How much were you making at that point? The same amount. And that's... And I was living in an apartment that was$2 ,400. How do you get paid? Where does the money come in when you suck dick? Cash or sell. Crazy. Okay. What is this? I don't even know what this is. What am I looking at? This is a balance. Oh, that's for my student loans. So you do have student loans. I do. For what? So my mom really wanted me to go to college. Is this private student loans? I don't think so. Well, it doesn't look like what a federal website would look like. Oh, the website's called Cedar Business. it's probably private yeah okay well i've never heard of that the student loans is because i started working my job like the summer after high school like my first restaurant job and i told my mom i was still gonna go to college so she like enlisted me in orientation and also applied for this debt that i didn't know and then it got sent straight into my account and i had no idea because my dad also sent me money at the same time to like move into a new apartment and so i had i didn't know until later.

1:16:36I was like, I looked at my statement. You just went to orientation, that was it? Yep. And then I dropped out. So, okay. And then your mom, so why was she so pressed on this? I mean, she was getting evicted. Why is she getting involved in doing all this? Because she - Signed you up for orientation, then she went back to oriental. She was like, she just is like, oh, you need to go to college. You're super smart. Like, you have really good grades. Like, you should go. And then I was like, I don't want to. And then, like, I was, like, the most successful one, like, in school out of everyone in my family.

1:17:16Even though they were. Mother, she sucks penis for money. Yeah, I mean. So. But. Just going to let you know. She doesn't know that. Anyways, so. Yeah, so she, like, she was just like, oh, like, you know, you can achieve so much. And then she really wanted me to go. And then she was like, she was so sad when I didn't go. She felt like a failure. So you owe this? Yeah, I owe this. The balance left is$1 ,300. Oh, so what's the minimum payment? So$1 ,317 is what's left. I think the monthly payments are$300. Oh my gosh, the interest rate must be insane. $300? They don't have any interest rate on it.

1:17:55Well,$300 would pay this off in a couple of payments. Yeah, so I called them and I was like, hey, can you guys like give me a deal? Like if I pay like 800 or whatever, you can just clear it. And then they were like, no, but we'll set up a payment plan for like 300. And I was like, okay, but I - Obviously that pays it off quicker. I know, but - If you pay more. I know, and I was like - But now it's a required payment. No, it's literally not. I haven't paid it. They've never charged interest on it. I've paid - Is that all your debt? Oh, I owe$1 ,000 to my sister. For what? She just gave me money.

1:18:27I got - For why and when though? I got sick and I took time off work, so she helped me pay. You didn't have sick time? No, you did. You're on it now. Yeah, at the time I didn't. I used it because it was like the previous work year. Of course you pay for a Crunchyroll. Not anymore. My ex pays for it now. He gave me his Crunchyroll. Okay. You spent$8 ,494 last month. Yeah. $3 ,000 was like... $1 ,000 in your checking account. But you started with$100. Yeah, it's payroll, payroll. Okay, day and night liquor. There she goes again, just puffing it up. KFC. Oh, something very Asian. I don't even know.

1:19:09What? But likely some kind of restaurant. Starbucks. Sanjo Blade. Oh, Sanjo Blade is my knife. Oh, well, that's... What? I thought that was on the other. That's... Are you getting knives constantly? I bought... No, that was all from the same place. I bought them in Vietnam, but I bought some for my coworkers too, and they paid me back for it. So those are like void. Okay. And other... I don't know what that means.

1:19:37Okay.

1:19:41Ralph's. Is this a hate crime? I hope so. Ross stores day and night liquor. Okay, wait, wait. Also, Ross is all, I only buy things for my pets from there. Like I buy. Taco Bell and then more. Dude, you're puffing everything. What did I? Opitum? I know. Opitum? Oh, that's like... Smoking opium? No, no, no. That was like an app where like they would just take money out of your account and then like have a savings account. So then... You don't have money. I know. So I just, I deleted it. I'd rather I start the third opium more instead of you fucking just sending money away that you don't have. No, but it's like you can take it out after.

1:20:19Yeah, which I'm sure you have to. Yeah, I do. Zaline, Zaline. You should be getting Zeldin for the sugar. I did. There should be some selling in. And this account's$1 ,005. This is money out, out, out. Dude, puffing it up, puffing it up. TikTok shop, TikTok shop, puffing it up. You spend so much. How much do you spend puffing it up? Wait, what's the puffing it up? Day and night liquor. You said you only do weed. Yeah, but I buy like, those are like energy drinks and snacks. So it's worse. Puffer energy, puffer energy. TikTok shop, TikTok shop, puffer energy. Ubi, puffer energy. Apple, fountain valve, pet smart.

1:20:55puffing it up or energy puffing or energy uber uber zell zell zell zell jameson irish pub jameson irish pub day and night puffing it up amazon city of santa monica amazon netflix starbucks withdraw withdraw who knows where the f*** that went oh here we go it keeps going withdraw apple bill apple ball withdraw withdraw who knows where the f*** that went where the f*** that went bard what a young withdraw who knows who knows I think the withdrawals The withdrawals are ATM from Vietnam. That's what it was. For what? I give$300 to my mom every month for living. Yeah, but you were doing that every five seconds.

1:21:42And then the rest of it was like other shopping expenses. Jameson Irish Pub, Irish Pub, Puffer Energy, Puffer Energy, Waymo. I thought they stopped those in LA after they just burned them down constantly for no reason. No. Puffer Waymo, or Puffer Energy, City of Santa Monica, City of Santa Monica, Apple, Target, City of Santa Monica, Apple, Santa Monica. What the fuck are you doing? Just parking or something? Yeah, it's the parking behind my work. Behind your work? Puffin or energy drink, not no bar. Okay. Pretty good bar. Zal in and out. Sally Beauty, Puffin or energy drink. What a joke. International fees galore.

1:22:19My gosh,$65, in fact. Crazy. Damn, I will suck. Ho-yang-yang-yang-ching-ho-ang-kwan-won. And Sancho Blade. More knives. Oh, Blade sounds more Japanese. Oh, Sancho Blade. Yes, he actually is from Japan. I know my racism, ladies and gentlemen. Good job. If I'm going to be racist, it's going to be informed racist. Hey, this doesn't look like the jungle Asian. This is definitely Japanese. Why are you being racist right now? Oh, that's not cool. I'm the racist. I am jungle Asian. Because I can be racist in Austin and everyone will laugh. But you're white. Exactly, which makes it even more fun. And then you'll be racist in LA and people will destroy your career.

1:23:00I'm racist all the time. My coworkers call me a walking HR violation, which is true. I'm sure that you've established. Yeah, you're probably taking dick in the freezer for money. I'm not. You've never f***ed at work. Like physically at work? No. Bullshit. Come on, everyone in the food industry has. I've never f***ed at work. No, I really care. In the parking lot. In the parking lot, yeah, of course. There it is. Who the fuck cares what happens in the parking lot? Suck dick in the parking lot. Really? I suck dick in the parking lot at my high school. Hopefully while in high school? Yes, while in high school.

1:23:34Well, that's good. Hopefully other high schoolers? My ex-boyfriend that was three years older than me, but he was still in high school. Okay, then, okay. As long as he's not coming back from college and sucking. Hey, let's go to our old high school and fucking, that'd be crazy. I don't know that would be crazy okay let's see if I can budget this shit minimum fee payments Bank of America 68 credit 160 Ulta 37 25 for Quicksilver um the apartment no minimum fee payment we're just gonna try to pay that uh 700 out of the gate 397 for our Toyota of course he didn't buy American $300 my dad wanted me to get a new car I'm joking I don't care Toyotas are great oh okay You're not upset about my car purchase?

1:24:21It was too much. It was too much. Listen, if you ever decide to stop sucking dick for money and you actually want a real career, I'll get you a course career certification. I have a real career. I'll get you a course career certification. Yeah, but one where, you know, if this passing out thing. Like, who knows? I'll get you one. People in the audience have used it and they've amplified their income and got better jobs. I like, if I can't cook, I'm literally going to be sick. Well, you can cook for yourself. Debt minimum fee payments,$883. Your income, what do we put? I think that— And I am not going to put in prostitution income.

1:24:51I really can't because I can't support that. Then just put$4 ,000. What's it really going to be? Well, like that would be what I'm making if I'm working. Come on, you're putting in the grind. What are you—what's coming in? Like, I would say like$5 ,000 since I don't have my job right now. Oh,$5 ,000 total? Yeah. So up from$4 ,000? Okay. Listen, I don't— What's your rent, your portion? 16. And utilities? Our internet bill, I pay$25 a month. Is it? Yeah. Okay. It's$40 total. And then I pay$33 for my water and energy. Okay. What's your phone bill? I'm on my family's plan. Of course. There's no reason for you to be struggling.

1:25:37Gas. Vroom, vroom, drive, drive. L.A. $200. Well, it's not as bad as I thought. Car insurance? $83. I'm on a, like, a low-income insurance. That's subsidized? We're subsidizing you? Oh, my gosh. I hate how they do things over there. They're so stupid. They're so stupid. But it's only for— I want to support people that are struggling, but you're— Like, you're—it's your—everything's your choices. And we're just enabling it? It's so stupid. $300 for groceries. Let's call it$350. LA, a little more expensive. Oh, wait, I forgot to tell you. My ex bought me factor meals, so I get six meals a week now.

1:26:12Okay, then I'm going to bring it down to$250. TP fund, anything else you need to survive? This is birth control. That is— Because you'll need it. $100 is not going to get me anywhere in LA. It's the TP fund, anything else you need to survive. Exactly. It needs to be way more than that. No, anything else outside of what we're budgeting. So I'm budgeting in the things. This is anything else you need to survive. It's kind of flexible. Medical health care, do you have co-pays on a monthly basis for things you need? Well, my insurance right now is$283. Oh, you have to pay that. Okay. Yeah, okay. So yeah, I'm on MediTag, but I actually pay the full.

1:26:43I'll try 30 bucks. Do you have pet insurance for these dogs and cats? Yes, and I would say it's about 250. Yeah, it's chunky. Pet food? I spend like 200, 300, I would say. Okay. I'm currently expecting like$1 ,000 a month on my pets. Like that's what I budget for. Better get sucking. Not really. You really shouldn't. I don't like you being prostitutes. You really don't. I know. It's not good. I want you to fuck. Or not for money. Like, I highly encourage fucking. Yeah, but like, also sometimes you get paid to have like really good sex. And then it's like, well, whatever. No, it's illegal. And it's not great.

1:27:26Because right now, I mean, yeah, if you make 4 ,000 hours a month not even taking anything else, what you need to survive minimum is 4 ,037. So you're already, like, you have to suck dick to survive. And I don't like that. That's not a position anyone should be in. So I don't know what we're doing. And honestly, if you're on disability, it's going to be even less than this. Because what was it, like$3 ,000 a month or something? So like you will be underwater by$1 ,000. I mean, obviously, any extra money that comes in, I would rather you go pick up a second job or something or figure out a new career path, bring in$5 ,000 a month, being able to put$1 ,000 towards the debt and paying off all debt within a couple years.

1:28:01That's fine. However you choose to bring in money as an adult, I do not care. I'm not going to enable and support it. But if you can put$1 ,000 to debt towards the month, you can pay this off in a couple of years, then do a fully funded emergency fund, and you'll be fine. Should I do an emergency fund before I pay off my debt? One month. So what's one month? Like$4 ,000? $4 ,000. Okay. Yeah, because your expenses are crazy, and your dog expenses and pet expenses are crazy, and your debt expenses are crazy. And one of my dogs is 14, so she doesn't have pet insurance. Listen, that's what I would do, because that's what you need to do to survive.

1:28:35I just, I don't know. and you have a weird situation that I'm not 100 % comfortable with. So it's just like, whatever, you know, you can pay it off in two years if you bring in an extra thousand bucks. Two years? That's it? If you bring in an extra thousand, bring in an extra two and you pay it off in a year. Okay, I can do that. Yeah, okay. Listen, hammer financial score. We're going to go into the post show. I guess there's this crazy. First of all, there's a lot. We're going to look into the drama. Wait, wait, I have a question. We're going to look into the drama with her ex. we're gonna go into some drama with her mom we're gonna go into I guess some drama with the utility companies okay it's gonna be a crazy post show let's get her hammer financial score though she overspent zero out of ten wait can I ask you a question one second on doing your score debt you're not paying on things but there's no technical collections one out of ten is this a collection what second you fuck emergency fund there was about a thousand bucks one out of ten retirement was there anything that's my question I don't know how to access a 401k How much is in there?

1:29:35I don't know. I'll say one out of 10. Okay. Real estate, zero.

1:29:42Hammer financial score barely just rounded to one out of 10. That's being generous. It's probably close to 0.5. Get yours at calebhammer.com. What's your question? That was my question. How do I access my 401k? Okay, I'll see you in the post show. It's going to be a good one. I just did not pay my water bill. Why the f*** are you not paying your damn water bill? I don't know. Why aren't you doing anything? Not paying your rent, not paying your student, not paying any f***ing thing. Now you're not even paying utilities. they should shut them off. They should shut off your utilities. They don't.

1:30:06F*** you, they should. LA's enabling you.