Illegal Immigrant Exploiting The System | Financial Audit

24:07With the economy, right now, people are more scared to buy things because I don't work. What are you selling again? It's like clothing. Not everyone needs to buy a closet. You're right. People probably cut back on closets. Maybe go sell something people need. I love my job, though. I get good benefits. I have health insurance, file reimbursement. I know. But I might get a second job. That's why I'm here, Caleb. So you can tell me how to make more money. And I'm going to do a course career. I might go into medical sales. Yes, I will get you a free course career certification. We can absolutely do that.

24:34That is true. Helps a lot of people increase their income or change career fields. Yes, it is. I'm so sorry to be distracting. It's not even on camera. It's the new iPhone. It's the new iPhone. What do you think about it? Is the camera good? Should I get it? Yes, the camera's good. No, you couldn't because you're poor. I could put it on a payment plan on T-Mobile. Die. Okay, so great. We did the move to Mexico. You're going to get engaged, and then that's going to move to marriage, I guess. Yes. My concern here is just based on this bullet I randomly scrolled down and saw. I got kind of lucky on this.

25:04You have a chronic condition of being a U-Haul lesbian. Just situation shifts endlessly. Just in the spring, you almost moved in with someone named Sarah. And Sarah didn't let you. No, I'm Sarah. Oh, sorry. She almost moved in with you. You didn't let her. And then you're moving everyone. And you're about to get engaged in this Mexico thing. You're doing full lesbianism. I know. You're going full U-Haul. I'm a U-Haul lesbian. But I didn't. But you're you hauling across a border. I know. That's an intense lesbianism. I'm really proud of myself. This is like my dream. I've always wanted to move out of America.

25:34I'm like really happy about my move. Okay. Are there any logical reasons why? The money. The money. Okay. Money can be a logical, but usually that follows cost of living goes to the cost of living. Like if you lose your job. I can get another one in San Diego. Okay. You are way too confident on that. I also did the survey. Hey, remember when you just acknowledged the current economic conditions? It is not going to be as easy as that. I have a lot of skills, Caleb. I can do a lot of stuff. Well, unfortunately, that translates to 3 ,000 hours a month in one of America's most expensive cities. So, f*** you.

25:59The skills are not actually being translated in the market where they are rewarding you based on those skills. It's actually suggesting that your skills are low. I mean, that is what the market is saying. I sold a lot last month and this month is like, you averaged it out. Okay, but the money thing could make sense. It's usually for like more secure remote jobs that are able to move somewhere else. But, you know, like Mexico City or something. But leaving America just the money thing? You know disposable income. Do you know what disposable income is? It's like money you can spend. Disposable income is after everything.

26:31Your needs, your insurance, your health insurance, after everything. Compared to the UK, compared to Germany, compared to the most developed countries in Europe where people, grass is greener, say everything is better, which they do build their communities better. I will say that in terms of walkability. And you could use a walkable community. The thing is disposable income after everything, which includes their taxes that pay for the things that we have to pay for the private marketplace. We still have more money left over everywhere. So yes, it is more expensive here, but we have more money left over at the end of the day anyway.

27:01That's crazy. So it's okay. So it's good. So that's a good thing. So that is also an invalid complaint. San Diego and Seattle are expensive cities, but there's many places you can go. Okay, cool. Any other arguments for your disdain that is requiring you to leave? Also, my girlfriend didn't want to move here, and I wanted to be with her. You always wanted to. You've been with your girlfriend, like a classic lesbian, only a few months. Yeah. We met on, what, June 7th? So it's like 6-7. Oh my f***ing, you're getting engaged tomorrow? No, not tomorrow. Next week. This month. Come on, shut the f*** up.

27:37Okay, so any other logical reason that you had before you met the woman of your dreams a couple months ago? I mean the money. I'm excited for that. Oh my gosh. I don't know. There's not anything. I like brought. We statistically have disqualified the money argument and we've disqualified the. The hate crime argument. But for me, my finances, it makes more sense. So, yeah. San Diego. So no other valid arguments. Nothing that we can back up with statistics or metrics or anything real. No, I think it's just like my personal situation. Other than I doom scroll and that makes me sad. No, I don't watch sad videos.

28:11Yes, it is. That's all you get. Come on, you just get flooded with information that is negative about our culture, which is a very fair thing because that's a very bad part of our society right now. come from my conservative family. Well, if you surround yourself with people, you have a vehement disagreement of worldview-wise, and obviously you're going to only associate negativity with this culture. And I think people should get out of their bubbles more, so I can't believe I'm about to advocate for this, but you could move to a place and surround yourself with people who have the same group thing as you.

28:41You don't have to leave the country for that. Well, I wanted to leave the country, though. I'm very happy with my move, and I feel like it was good financially. Good financially? I mean, I have a payday loan in front of me. That was a long time ago. Okay, and it's not paid off? Like, I don't really know. The good financially is relying on you cannot lose this job. But now I have— And if the state of your commission checks coming in from the most expensive city, I wouldn't be so confident on you keeping it for a long time. I think I'll be fine. Great. What about confidence? Well, I can go—like, I don't have a worry of losing my job.

29:12I've been doing good the past few months, so. It's a lot of typing there, Caleb. Yeah, I'm looking things up because— Oh my god, you're gonna get canceled for saying that word. My audience isn't full of people like you, the endless coral clutchers who are sensitive about everything in this world. I was making a joke. You're fleeing the country. It's like a lore story too. Literally when I was moving, I was like, do I want to look back? But you are the type of people that cancel people incorrectly for over-sensationalized bullshit. I'm not one of those liberals. Performative ridiculousness. I want to make it clear I'm not one of those blue-haired, barking liberals.

29:43It has nothing to do with liberal. It has to do with the people themselves. I don't do cancel culture. You said it is unsafe for trans people here, So you're fleeing to a safe that a place that is objectively twice as dangerous. Well, it's also like, I just don't like America. Like, that's like my thing. That's your thing. That's your personality? No, no, no. It's not my personality. It's just like my thing with America. I just don't like it. So first of all, is back and better than ever. Second of all, I'm not going to get canceled because I have a good audience that we can disagree on things and we don't kill each other for because we're not living on Reddit and TikTok.

30:14I don't go on Reddit. We have normal people. We are filled with normal people. Okay. Yeah. So in New York, one of the bluest places was the one hate crime that has happened within the last calendar year on a transgender person. One. What about the Sam Nordiquist in Florida? Was that more than a year ago? That is. That was New York. I don't think that was New York. I think it was Florida. February 2025, New York, 24-year-old transgender man whose body was found after alleged prolonged torture. Five suspects have been charged with second-degree murder. See, people are actually being held accountable, unlike in Mexico, by the way.

30:51Five suspects have been charged with second-degree murder authorities. So far, state there is no indication yet of a hate crime motive. Wow, but it was hate crime. Dude, that's authorities in a blue, hyper-blue state, as in blue prosecutors. It was definitely a hate crime, though. I'm glad we can just say that, even though the authorities in the state that would say it's a hate crime more than any other state, other than California says there's no indication of that yet. I would say it was a hate crime, but. Oh, great. Yeah. It's based on feelings, I guess. Feelings over facts, you know. Anyways, regardless of that, I don't want to live in America.

31:29I know. I just wish we were able to change our entire life. Do I have to have a valid reason? To change your entire life? Yeah. I love changing. To throw away for everything within just a couple months of knowing someone? But I'm not throwing everything away. I still have everything except for a better financial situation. No, it's risk. Yes. It is immense risk because the economic conditions is you are able to self-admit, plus you not making that much money, suggesting you're not that good at your job. I don't think that I would have a problem getting another job. You're selling closets as we head into a potential recession.

31:59I know, but I would be able to get another sales job or go back into serving. It's not that easy. You have hubris beyond hubris. I've gotten every single job I applied for, Caleb. Girl, you've only been an adult being able to apply for jobs. I've been working since I was 16. Okay, since 16, in good job markets, you've never experienced a bad job market. Well, I don't think there's an issue. In your adult and 16 life, you have never experienced a bad job market. I think I would be fine. Plan on leaving my job. What a thrilling argument. So that's why I'm trying to have it. Because if there was a true logical reason for why you were willing to blow up everything and put yourself in risk before you even have any savings, before you do anything to move to U-Haul lesbian, move in with a girl you've only known for a couple months, and get married to her.

32:43That's why I want to know if there's a logical reason. If you had it, I would advocate for it more. Like my apartment, I was behind on rent. I was going to have to move out. I couldn't afford anything else. That's because you are bad with money. I know. You were willing to work on skills instead of your abandoning. But where was I going to move if I got evicted? Where was I going to move? I couldn't afford anything. We could look up a ton of places. You might have to commute far. You already are now. Literally. You might have to move cities. I don't know. I would not move cities. It's you being irresponsible and us having to work on actually real solutions.

33:13I'm going to be responsible now, Caleb. Oh, good. That really changes it. What do you think your Hammer financial score is? Zero to 10, zero being the worst, 10 being the best. Quick note. Remind me that I have a question about retirement later since we're talking about this. Anyways, zero. You want your Hammer financial score? See where you stand in the world of finances, where you're doing well, and where you're doing shit and what you need to do to improve. It is a free assessment. It only takes a few minutes at calebhammer.com. and if you don't want to be like a guest who ends up on this show, make sure you download the DollarWise budgeting app at dollarwise.app.

33:47It is honestly changing the entire game. It is an incredible budgeting app. New features being added quicker than any other budgeting app. Tens of thousands of people are subscribed for a reason. It is because it is the best of the best. Make sure you do that at dollarwise.app. Take a free trial so you feel like it. And if you do, sign up for the annual version to save a lot of money. And when you do, I will personally sign my budget friend, the cookbook, and mail it directly to you. That is only existing for the next couple months, and then it's going away forever, and it can't be ever purchased, okay?

34:13So dollarwise.app, all the links are in the description. Let's jump into these numbers. It's a lot of memorization, Caleb. So, I mean, as I've mentioned, first thing, right below my nose right here. Yeah, payday loan. Payday loan. Tell me about this. What was happening? So - And when and what? October. Oh, last logged in was October, okay. Oh, yeah. I was about to be like, this is, I have not paid them. So I know this isn't recent. Anyways, I got this like a year ago and I'm pretty sure that I, I don't remember what it was for, but I was broke. I was in Washington though. Cause I did try to tell them that I lived in Washington again to try to get more money.

34:51But cause they get 700 there. What's wrong with you? Why do you want more? Why do you want to go deeper in the hole? How does it make sense? Well, this was, this was a year. Or can you guys bleep that? Sarah. Okay. Yes. Yes. I see. That was your real name. This was a year ago, Sarah, not me now. Also, by the way, it would be so funny if you gave up your U.S. citizenship, you became a Mexican citizen, and then you decided you hated it. I would love to see you climb the fence. I don't know that I could. That's what I'm saying. The fence is actually pretty tall, but if I stard myself enough, I might be able to squeeze through.

35:29Take a long time, though. Yeah. Yeah. Or going across the Rio Grande. I don't know what that is. Well, it's the river. Oh, I like to swim. That separates the largest part. I can swim. Took swimming lessons. Yep. Just let me know if you ever want to do that. We can start a whole series around it. No, I'm getting dual citizenship. Yeah, you're going to pay taxes forever. Okay. So yes, the payday loan. I took it out. Don't really remember what it was for. And then. You don't remember what this was for. When did you take it out? It was a long time ago. When did you take it out? A year ago. How the f*** can you not remember what you took out a literal payday loan for a year ago?

36:06It wasn't a lot of money. So clearly it was probably like. Oh my God. They probably charged me at the last payday loan. And then I took out another one to replace the money. This is another part of my concern. Again, I do not have a problem with you moving wherever. You can move wherever. I do not care. You can go full and ran if you want to. I don't give a f***. They will throw you off a building. But I don't give a f***. Here's the thing. Like you are using this move as your cope, as your solution, instead of actually ever building the behavior and implementing the discipline that you should have to live that better life.

36:37I'm going to have more money now, so I'll be able to pay this stuff off. Yeah, if you keep your job. I paid my credit cards after not paying them for months recently. Whoa, crazy. Oh my gosh. I'm really proud of that. I put them on automatic too. I'm pretty sure. Dude, again, listen, what someone does right before coming on the show where they know their finances are going to be looked at is not indicative of their future. I actually don't remember. I doubt it. Because I would see it in here and we will see it. If that's the case, I will see it in here. I highly doubt it. Okay, so you don't know what you borrowed for?

37:06No, but it's not a lot of money. And why haven't you made a payment? Well, because one, I didn't want to just like keep in the payday cycle and then I just didn't have the money to like pay them. You're making a payment. How does that keep you in the cycle? Because you wouldn't have money for anything else? Yeah, exactly. And what was your spending on it? If I look at a, okay, when was this? This was like last year. This is probably like - Name what month you think this likely is. I think it was January. It's beginning of this year. January of this year. Or maybe December. What account do you spend money on?

37:31I only have one bank account. Okay. Pull up your mobile app. And I'm going to look at a statement from January this year when you took out a payday loan because we couldn't make a payment towards only a$255 balance because we would be stuck in the cycle. So let's see from January this year when you were dating someone else who almost moved in with you, by the way. No, no. I was dating someone else at the time. Well, we had just broken up. Oh, right. Right, and then the springtime. The springtime is when you almost moved into someone. Yeah, the situation was different. It's only been four that we've almost married this year.

38:00Come on, keep going. No, I did not almost marry that girl. Oh my God, wait, hold on. I might have to log in on the thing because it's trying to send me a code. On the thing! I might have to log in on the, hold on, just give me a second. Because it's trying to make me verify my phone number and I have a new phone number. So I'm going to try to log in via not the app. How do people like you exist? I don't know. Why isn't it working? You're going to yell at me, huh? I'm waiting. I'm scared. Okay. Remind me later. Did they talk about retirement? Good the fuck luck. We're talking about a payday loan right now, and you think we're going to talk retirement?

38:33I don't know if it's going to let you. No, it's because I have a retirement account, and I need you to tell me how much I should put into it each month. Zero. Pay off your payday loan. Anyways, so I don't know if it's going to let me, because it says online banking is temporarily unavailable, but you can press the things and try to figure it out. Yeah. You can just. What is wrong with you? I don't, it's not my fault the bank's doing that. Wait, tax statements? I don't want tax statements. I just saw it. I'll shit on my absolute f***ing. Do you need help? Maybe, I don't know. Give me my f***ing.

39:04What the f*** is this? Give it to me. I'm trying to find statements and I saw it. Let me help. I f***ing saw it. I f***ing saw it. Let me help you. Wait, no, stop. I f***ing saw it. Do you ever get Dutch Bros? No, I'm not a f***ing animal. I love Dutch Bros. Well, you're f***ing. Listen, this is my favorite sound, Caleb.

39:27Anyways, do you want to know how I discovered I was a lesbian? No. I was in a throuple. I said no. Okay. So when she was afraid to make a payment on her$300,$255 payday loan because it would keep her in the cycle. Here is what her month of January looked like. I think I made a lot of money that month too. Better buzz. Looks like a bar or a restaurant. She spent about - That's a coffee place. Coffee place,$12 there. She spent something squareup.com,$100 out. I don't know what that was. I don't know. Looks like, oh, there's Dutch Bros,$14.76. Love a Dutch. She loves a Dutch and a Mexican. Mm-hmm.

40:13Williams Taylor. I don't know what that is. Oh, that is another loan, I think. Oh, good. Williams Taylor. I don't know what that is. I think. Alaska International? Yeah. Oh, I went on, I flew home, and my dad Venmo'd me the money for that. I got to fly first class. Coffee driven,$5. Venmo'd out,$200. Cash out. That was for my dad to pay him back. Prime Video? Yeah. Planet Fitness? I mean, I'll support that for sure. Amazon? on. How much was Amazon? Is it like a subscription or did I buy shit? I've already moved on. Prime Video. It's just endless amount of cash. By the way, you can audible when you're in a place that definitely has a library when you can't make a payday.

41:02How am I going to listen to books from the library? I don't give a f***. They're on Spotify. Oh, that's just true. And I guarantee you probably have Spotify. I do. That's why I listen to you, Caleb. So why have two? Really? Great. Thanks for making me less money. What do you mean? Would you rather me watch through YouTube? Yes, and it's ahead by a week. Okay, I will start watching on YouTube for you. That's fine. No, Spotify is good too. We like both. It's because I have... Amazon Cash App again. It's Williams Taylor things everywhere. How much is it? San Diego Courtyard bullshit. Look at all of this that is happening.

41:35All of this that is... POS Withdraw. No, these are like purchases that are being done through Cash App. Dude, you're spending bullshit. Cash App bullshit. Cash App bullshit. Cash App bullshit. Cash App bullshit. Cash App bullshit. and I can't say what they are, but it's you at a kiosk spending money through Cash App. You're doing all that while sitting here and crying, I'd be stuck in the payday loan cycle. Fuck you. You're a liar, disingenuous. You cannot make me feel sympathy for you being in a payday loan cycle. You can't. When you go and blow all that fucking money on Dutch Bros Coffee bullshit and end this Cash App tapping at a kiosk, fuck you, you spend bullshit.

42:09I do buy a lot of bullshit. It is unacceptable. You can't tell me you'd be stuck in a payday loan cycle. You're choosing to by your bullshit spending. I don't want to fucking hear it. But I ended the cycle because I haven't paid it and then retaken out more money. So I'm halfway there to ending the cycle. Just pay it and then close it. This is not an ad. I actually need your help with something cool I'm trying to build. Financial audit has gotten pretty dang big over the past few years. I went from filming on my kitchen table in my condo to renting out an entire office with multiple sets, a shit ton of full-time employees and some big time sponsors.

42:44Now, how? I dialed in the exact formula for making videos that gets hundreds of thousands of views every single time. From thumbnails and trailers to editing and audio. We've got this whole YouTube thing down to a science. And the thing about science is it's meant to be taught. In fact, I've been thinking about doing a little YouTuber Academy for a while now. But I need your help first. If this is something that you're actually interested in, can you fill out the form linked below? It only takes about a minute and it'll let me know what I should actually include in the academy. So fill it out and stay tuned.

43:16Honestly, it helped me out and I want to help the next generation as well. So if you want to be included, just feel free. Starbucks is bullshit and a waste of money. And you already know that by making your coffee at home and investing the rest. So 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 Gamer Subs.gg or click that link in the description below.

44:00Type in code Caleb. But then I would worry that I would want to take the money out again when I call it. That's why you closed it. How do you close it? Are you dumb? You call them and you close it. Like never lend me money again. You close your account. I don't think you can do that with payday loans. You can probably close your account. It would be really weird to have an account somewhere that you are incapable of closing. I would be absolutely shocked. Listen, I'll let you use the Fiz card. I don't know how it works with Mexico specifically, but at least it's a debit card that builds credit.

44:25Like I work in America, so I don't use like Mexico's money. A debit card that builds credit so you can only spend what's in your checking account. Because obviously if we're taking payday loans and bullshit, you're going absolutely moronic. Yes. Stupid. It's been a while though. Okay, they don't call me anymore. That's why I've kind of put it on the side burner, and it hasn't gone to collections. So this is like end of priority payment. Yet. Yeah. With you. What the f*** even is this? I've never even heard of this in my life. It's like a mistake. Is it with you or VV? It's with you loans. They're like a loan shark company, basically.

44:59Oh, good. Because they charge like 300%. It's not a payday loan. It's like a personal loan. They charge like 300%. Oh, that sounds like payday loans. Madness. Actually, I called my bank and had them like not allow them to pull payments from my bank account. Why? Why don't you pay your bills, dude? Okay, but they charge a lot. What's the normal minimum payment? Because obviously there's a stacking up. It says 707.40 right now. I haven't. No. Okay. So they're not in charging interest anymore. Right now, they're trying to just get me to like make a settlement with them. They want a settlement? So that's good.

45:31Yeah. They just want me to like pay like a little more than half. And what have they said? So that 707? Can I see the paper? Sorry. Just, I just need to. Okay, so the amount due right now is the$16.49. And the 707 is like a bunch of payments like stacked up because I didn't pay. I've already said that. This$16.49 is, so they basically are trying to settle with me for like$1 ,200. Okay. But I don't want to pay them that much. Very good. Well, it is money that you borrowed and signed a contract for. I only borrowed$800. So who the f*** are you to say, dude, you signed the contract. I know. I don't like this type of product.

46:09I used them before and I didn't even learn my lesson. It's really bad. I think you should open a company with loans, but an ethical loan company, Caleb. There's already ethical loan companies. I mean, there's ethical loans. But you can make more money. Even this, I mean, depending on how they marketed it to you, I would say never get the loan doesn't mean they were horribly unethical about it. Because you still signed the contract. It's a shit loan. I don't like it, obviously. It's not the product I'd advocate for, but you sought it out, right? Or did they seek you out? No, I sought. Well, I found them like when I was like 19.

46:41So my brain wasn't fully developed. Well, technically it's still not because you're 24. Yeah. According to where you get the rest of your information. Anyways, so that's what's going on with that one. What is the normal minimum monthly payment? I honestly don't. I think it was like$150 every two weeks. I think that's what it was. It's been a while since I made that. Okay, so I'll call it three. I'll call it 300 for f***s sake. But I don't. Do you know anything? This one, like, I can just settle with them. So I want to put this on, like, a later problem. Because it's not in collections. Yeah, unless they send it to collections.

47:15Okay, I would rather do a settlement on this one, though. I would too, but they're probably accepting that internal collection settlement, and then if they feel like they're not getting it, they're just going to sell it for pennies on the dollar to a collections agency. Okay. We'll talk about it at the end when you make the budget. I tried to make a budget and this was not in there. Well, I don't know. I don't want to put this in the budget. But there's a flaw in what you're thinking is what I'm just trying to tell you. Well, I would rather save that money up and then put a settlement. I'm telling you potentially consequences of it.

47:45I know. It might not always be in settlement forever. I know. Internal collections with that company. By the end of the year. Maybe. And that's if they still have it by the end of the year. You don't know when they get rid of it and when they won't. Have they told you? Then what the f***? You're doing lots of guessing. Okay. You're the boss. I'll let you decide. Anyways. I don't know. I just want to make sure you understand that you cannot guess the future. You cannot be confident in everything. You cannot say, I will have this job forever. You can't say, I will have this job forever. I can just settle with them forever.

48:15I can go get a job no matter what within a day forever. Your credit score is already 427. You're f***ing. Like, what are we doing? I feel like that's the lowest you've had on the show. Is it? It's pretty damn. Honestly, it might be. It is. It might be. Okay, it officially is. Yeah, congratulations. World record breaking. Yeah, thank you. Of how horrible someone is. And you don't think you, I don't think you give a fuck. I really don't. No, I do. I do, because I can't get more credit cards with such bad credit. Uh-huh. Okay, nor should you. You're not a credit card person. Why would you? I will be a credit card person.

48:49Do you try to pose every time you take a sip? No. I don't know. Was I posing? Sorry. Continue. You made a hole in the paper, Caleb. Why would you do that? Sorry. It was like giving me OCD. Continue. I see money owed to dad. What is that possibly for? He already got your flight home. He buys me a lot of flights home. I love my dad. What do you fly? Alaska first class. First class? My dad pays for it. I actually bought my girlfriend and I tickets to go home, and I didn't get first class because I can't afford it, obviously. And? And I'm really sad about that because my son's coming with, so it's hard to fly with him unless it's a first class.

49:28My son's coming with. Son? Child? No, Bear, my dog. One of my dogs. I birthed him. He was$3 ,500. Oh my fucking wife. He's really cute. Did you pay for that? My ex at the time did, and then when we broke up— One of your thousands of almost-wived exes? My ex did at the time, and then when we broke up, my mom and I split the cost to buy him from her because he was my baby. And he's my mom's grandpup. When was this? A couple years ago. Oh! How'd you pay for that? Um, well, I got into a car accident. Mind you, you couldn't pay a$250... Oh, my gosh. And I got a settlement from it. Like,$20 ,000, so I paid off my debt.

50:05But it's very topical. I'm not trying to be mean. When you fly... Because my dad's bougie, so he only books me first-class seats. But when you fly... I fly coach. Are you kidding me? I'm poor. Uh-huh. I flew southwest here. Uh-huh. And that was with... My girlfriend? Once? What? Seats. One seat? Yes. I can fit in one seat. Okay. It's very topical right now because sometimes people think they deserve— And I don't need a seatbelt extender, okay? I can buckle in. I don't. I can buckle in. Suck it in, you know? Okay, because some people think they should get a free exter. No. Are you kidding? I'm not like a fat advocator.

50:44Wait, you beat your ex? No, I did not beat my ex. On the way out? I stopped her because she made out with someone in front of me. but abuse is always okay when it's women it wasn't it wasn't abusive if I slapped my girlfriend would they say I'm abusive I don't know no the answer is yes you are you serious well I don't know it wasn't like that hard and I was really drunk and she was making out with someone guys if I was really drunk and slapped my girlfriend would it be abuse these double standards are insane in our culture I did not beat her I stopped her So you f***ing bam! It was a little less aggressive than that.

51:23Well, that's what I think when I think of f*** slap. No, it was like, she was like, oh, I just like loved making out with somebody else, blah, blah, blah. And I was just like, but we had like, we like fake slapped each other. No way it was that. It was like, it wasn't like super hard. No, come on, be real. I am. So it was that. Maybe not that. Like, yeah, I don't know. It wasn't that hard. It wasn't as hard as like, you're like, like this. But we also like. Brennan, can you bring your face into frame real quick? I'm not going to slap him. No, he's given consent. Didn't you? I did. Okay. Reenact, please.

51:53I want to know the exact metric of this slap. I don't know which hand. Okay, let me use my dominant hand. I'm so sorry. I don't want to, like, hit you. Yeah, take off your tools. Yeah, I'm going to take off my rings. Because I don't want to hurt you. Okay. I'm substantial. I don't know how to, like, turn towards you. Look at her. Yeah, there you go. Probably like that. Oh. Were you just abused? Yes. Okay. All right. Well, I don't know. I feel like it's, we also, like, slapped each other a lot in the relationship, like, like, playfully. And I was really drunk, so it was, like, kind of a part of that.

52:20Girl, you using this, I was really drunk argument, does not work on the other side. I don't know why you think you get to keep using it. I don't know. I don't regret slapping her. She deserved it. She was a fucking... She stole money from me. She cheated. She did a lot of stuff. So, yeah. She deserved to be slapped. So how much do you owe to your dad? $4 ,500 to three... How much does it say? For what? I think I owe$4 ,000. I borrowed$3 ,500. Wait, this ex washes financial audit? No, that's a different ex. you have a thousand almost wives this is crazy the way lesbians do this the ex that watches financial audit f*** you that ex oh another one f*** you it's almost like every relationship you're in she f***ing cheated on me and she was like a whole thing anyways so the ex I can't wait for you to be saying this about the person you're almost marrying and moving to Mexico for that's what you said about every single one of them while you were dating them all the follow up you'll get wedding pictures yes but post divorce yes I don't think so.

53:16Okay. So, okay. She watches Financial Auto and you're excited to find for her to see that you're in love? I don't know. She's seen you in love a thousand times though. No, she hasn't. We broke up in January. So it was like recent. Oh my gosh. And we like, yeah. And then there's another one in spring and now this is crazy. What the fuck is wrong with you? Well, the one in spring was the situationship and I didn't like her like that. We just like, yeah, I don't know. We never dated or anything. I'm a U-Ha lesbian. I'm sorry. Yes, you are. It's a chronic condition. But that doesn't always end up good, and you're literally changing your entire life for it.

53:50I mean, if my girlfriend and I broke up, I would still live in Mexico. Like, the money is just better. If you keep your job. Yeah. Anyway, so my dad, I owe him$4 ,000. For what? Possibly why? I was a couple months behind on my car payment. Oh, my gosh. When? I mean, I still am now. I saw your spending. How can you borrow money from daddy? Daddy, give me money, please while I'm going to blow my money. This was in last November. And if I pull up November, what am I going to see? A tit? Not a lot of money. You want to see it? I will see spending, will I not? Yeah, but not like enough. I will still see spending.

54:29You cannot borrow money from daddy when you're spending on bullshit. So I had a lot of stuff in collections. You selfish fuck. I paid off my collections with that. Last month alone, bullshit spending was at minimum$800. I don't want to fucking hear it. Minimum! I want an audit on that I feel like that is not true we're literally doing it right now are you stupid and then there's other large purchases of$1 ,612 we don't know what that is yet and then there's unknown shopping of$327 that could be bullshit and we will find out if that is bullshit but we know for a literal fact you spend at minimum basically$800 on bullshit how much did you spend that's a great question could you tell me I spent$4 ,000 you spent$4 ,642 $2 ,50 and 34 cents.

55:16You're borrowing$3 ,464. You spend a thousand hours more than you make. Die. How do I spend a thousand dollars more than I make when I don't have credit cards? It's interesting how that works, isn't it? It's interesting how it works. No, I actually don't understand because I don't have credit cards. Well, there's already a little money left over sometimes. We will go through it and I will show you. Interest goes up. A lot of things happen. Okay. It's concerning. Okay. So$4 ,000, this was from last November and you've done nothing for daddy? Well, I've paid him back like$500 so far. Oh, for a year?

55:45Yeah, but— In a year, we paid$500. Yeah. Of$4 ,500. But I'm going to pay him back fully because he won't let me borrow from him again until I pay it back. No, he shouldn't ever again because he's enabling you. You should face consequences for your actions and learn from them, and you never will. He doesn't make me face consequences. Because Dethnie is there to save his precious little daughter. Right now, he has other kids that he's spending his money on right now, so I don't think he'd let me borrow money anyways. Yeah, chronically enabling. It's great. It's really healthy. It's going to lead to great life skills for his kids.

56:17I have a lot of great life skills. Dude, I don't see any of them. It's because you don't know me. Well, tell me. What are your life skills? I'm really good at public speaking. I am very, like, entrepreneur-y. You make 3 ,000 hours a month. Yes, right now. In San Diego. It's usually more, okay? But that's your average. You said average it out at 3. So you get up, you get down, average 3. You make 3 ,000 hours a month. That is not indicative of an entrepreneur that is successful or a salesperson is successful. I would say it's like the lower end of the average. So 3 ,500. Very good. You're not doing well for San Diego.

56:494 ,000. You're not doing well for San Diego. 4 ,000. Maybe we can say that's doing halfway okay for San Diego. No, honestly, still no. I live in Mexico now. Because that's gross. Because that's gross income. Can you do me a favor, Caleb? No. Okay, so what else? What are your other skills? I need you to open this for me. No. I can't with my nails. Well, if it was a gamer subs, I would do it. Instead, you have an Awani, like a creature. Well, should I go get one of the other ones? Yes. So what are your other skills? Clearly not being able to use your hands. It's okay. I'm going to figure it out.

57:24Let me try to use my lip gloss. Can you tell me what your skills are? I'm really good at writing. I'm good at... How? You can't even open a bottle. I have nails on. I don't want to break one. Oh, my God. It's really struggling. I'm really good at writing. I'm really good at public speaking. You're naming off the most generic, like, freshman and college skills. Do you have anything that's actually translated into the marketplace? Yeah, my sales and my serving. You do not make good money for sales. I have a lot of stuff that I'm doing. I'm just not doing it consistently enough to make money off of it.

57:56Like, content creation. I have a podcast. Oh, you have a podcast? Yeah, it's a true crime podcast. Of course it is. Like I got it open on my own, guys. And what's your monthly listeners? Oh, I haven't published anything in a while. So like nothing. Yeah, nothing right now. And you've been in Mexico. So you will be a subject of one very soon. What? Of a true crime podcast. Oh, I don't think so. I don't think I'm going to get murdered. Statistically more likely to. Okay. So we don't have a minimum monthly payment agreement with Papa. Well, we did, but I didn't pay it. It's supposed to be like$100 a month, I think.

58:29I'm going to put it at$100 a month. Yeah, please put it in there. I will. Because I want to pay him back. Okay, I see 2002, an old apartment. Yeah, but they're not like— Oh, your podcast is supposed to be with two other people, but you can't find anyone else to join you. No, like one other person. And you can't find anyone else to join you? No, because it's like a very niche thing. True crime. Yeah, no one else does that. It has to be a queer person. Yeah, there's no queer people in the United States. Dude, your age group, 25 % of people identify with queer. If anyone wants to be on a podcast, find me.

58:58I don't know how they're going to find me, but find me. You're not hard to see. I know. But anyway, so my old apartments, I was behind on rent. And I owe them. But they haven't come after me for it. So I think I'll be fine. We're not going to probably go to collections. Well, I was supposed to be able to log into the app to make small payments. And they won't limit. Like, I'm not able to get into the app. And they haven't contacted me. Have you contacted someone? No, because why am I going to contact them? Why am I going to contact them? To make your payment so it doesn't go to collections. so you don't fall below$400?

59:30We never had a payment agreement. It was just like, when I can make payments, I can make payments. It was never like this much a month. Okay, and you don't know what it was going to be? They were fine with me just paying whenever I could. It's like a really ghetto apartment. Blow it all on bullshit. Okay, I want to put that with like the for laters because I have a lot of stuff I need to pay off now, like my car. Like that, to my old apartment, I feel like that can be a later problem like these two. It can be, but how long has it been? Like two months. This is my most recent apartment. This was two months ago?

59:58What is wrong with you? So that's why it's not in collections yet. You're a mess. How, how, how, oh my gosh. And you're indicative of an entire group of people too. This is crazy. I don't know how we're going to make it as a civilization. I really don't. I really don't. I really don't. And you're just blowing all your money, getting your bullshit. And you like the Alani? Yeah. Okay. So. I probably need to like start buying cases. You don't need to stop buying cases. Instead of making your coffee at home, instead of stopping and getting your Dutch Bros, make your coffee at home for cheaper. Instead of getting your bullshit energy drinks, tastier ones.

1:00:37Here, this powder is 25 cents a serving. It is Gamer Subs, 25 cents a serving. You can get free samples right now. Link is in the description. Type in code HAMMER. Or get your 25 cents a serving with 10 % off using my link as well once you figure out what flavor you like. Like, make it at home. No more stopping in and getting some bullshit. Caleb, what is this? Guacamole gamer fart? Yeah, they're very goony. And this one's lean. Is this guacamole flavored? This one's lean with Steve Harvey on it. It's not racist. I don't know, because then I have to mix it with ice and water. No, just water. It's water.

1:01:12It's water. Ice? There's water. I know this is a lot of working out for you, but you just have to shake it up a little. Dude. I don't know. Maybe. Instead of a$4 energy drink, are you? These at Costco. Links in the description. You guys do it. She won't because she's broken. But get your energy drinks. Make them at home. 25 cents a serving. Okay, next. So we don't know what our minimum payment is going to be on that. Okay. No. And dingo. This is a mess, Caleb. What are you doing? I wish you didn't touch my shit because what if I need to go back to it and I know where it is. It's in the same order.

1:01:43I knew where it was. You absolute beast of a woman. I'll spread it out for you. Okay. Wow. We are over the limit. Yeah. By$450. How the kid did you even possibly achieve this? So you owe$1 ,450 and 49 cents. There's a limit of a thousand. What is wrong with you? You are a creature of the night. I just haven't paid it in a while. In a while. I would say so. So the interest added up. I know it's probably 50 bucks a month, but you currently owe 300. I think it's 60. Okay. I'll say 60. Because I have it like, yeah. Yeah. Passed through a lot. interest, fees, bullshit, death, all accruing four years to pay off.

1:02:24It also has a$250 yearly fee that I didn't know about because I don't know how to read. Why? What are you even getting with this card? I don't even know. It's a MasterCard of some kind. I don't know what comes with this. I don't know either. You have a$41 late fee there. Yeah. Yeah, late. Yeah, every month this year so far, of course. We're not even shocked. I don't think it's every month because I got it in the same time. I'm pretty sure it's been every month since you've had it. Yeah, probably. No, I think I've paid it twice. You tit. You tit. I don't think so. No. You're above the limit, accruing hundreds in interest.

1:02:5335.9 % interest rate of insanity? Of insanity? What did you even use this card for if you've overmaxed it out since spring and don't make payment? Since spring! I don't know. Since almost three girlfriends ago. Alright, let's talk about something most people straight up ignore. Your old 401k. Yeah, that retirement account from your last job that's just sitting there somewhere. Probably meant to roll it over months ago, but between job changes and figuring out how to adult, it got buried deeper than your new year's resolution. Did y 'all even know that 25 % of all 401k assets are lost or forgotten?

1:03:27That is your money just floating around and trying to roll it over. That's a whole circus of phone calls, paperwork, and maybe mailing a check like it's 1995. But Capitalize makes it stupid easy. It is a free concierge platform that helps you find your old 401k, open or link the IRA of your choice, and boom, they handled the rest. I didn't even have to know where my old account was. They tracked it down for me. So roll over your old 401k today. Hit the link in the description or go to highcapitalized.com slash Caleb. Your future self and your net worth will thank you. Want to know a dirty little secret?

1:03:59And no, I'm not starting an only. You're not broke because you suck with money. You 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 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.

1:04:35Um, I don't know. I don't remember. Probably like Dash Bros and shopping scene maybe? Fine, pull it up. Pull up the app. I don't have the app. Are you? What is wrong with you? I don't know. Deleting it doesn't delete the balance. I never, I don't think they have an app. This is like one of those There's no way they do not have an app. You, oh my gosh. There's not an option to download an app. You are, there is something wrong with you and I don't understand it. I'm logging in. Has the diabetes made its way to the brain? I don't know what is happening. I actually don't have diabetes. I'm in very good health for being fat.

1:05:07I just went to the doctor. I have like great blood sugar and blood pressure and all that shit. It's because I do work out even though I'm bad. It's because you're 24. I also work out. You will not want this at 30, let me tell you. No, I'm trying to lose weight. I'm actively losing weight. I've lost weight and I'm actively losing weight. In the post show, you guys will see me skinnier. Not post show, sorry. What is it called when you come back? The follow-up. The follow-up, yeah. I hope so. Obviously, I encourage it. Obviously, I'm joking with you and I'm memeing on you and I got consent before we filmed.

1:05:36I directly asked. downloading the statements. Well, I just want to see of your first month of this using this card. So this is the first month. I don't think it was very long, so there's not like a lot of stuff. Oh my god. This is one like my first. Actually, I don't know what I bought at that smoke shop. I do have a vape addiction. My vape died yesterday. Okay, immediately put insurance on there for car. And the book Capital at San Diego, Yogurtland, Jack in the Box, Red Eye Shop, Rose Donuts, it's all bullshit. It's all bullshit except for the car insurance. That was insane. that was insane what is wrong with you you are broken you are broken you are broken you are broken you are broken next statement next statement Crab Hut PayPal Earth's Element Mandarin House Coco Von San Diego you're this is all bullshit and then you're like well I can't I'm paying I'm so poor look at me poor me shut up shut up a while ago it was in the spring time die die die it was in the spring time That's a long time for me.

1:06:38It is true. When you live a much, much shorter statistical life, each year counts for longer time. I know.

1:06:50Capital One. Credit One, sorry. I do have a Capital One, though. It's probably next. Great. Oh, it's maxed out. Yeah. It's over maxed out. Over the limit,$449.20. Limit is$300. Minimum monthly payment is normally$60. No, the minimum monthly payment is normally$30. I was just behind. But you... Oh, I'm just behind. Yeah,$129. Fine. What's wrong with you? Yeah. Interest and fees. Late fee. Interest. Late fee every month this year. What's the point? When did you get this? What was the spend time? I got this one a couple years ago, like when I first got a credit card. Has it been maxed out that long?

1:07:28No, no. It's just been maxed out for the past like six months. Pay it off and then use it. You've been doing six months. Well, I just wasn't making a lot of money, and then my rent was really expensive. Work was really slow. It's almost like you are bad at this job. No, I'm actually really good at this job. Like, it's been, like, I've had, like, we had a really good promotion, and I sold a lot over the last couple of months. Sales, the only measure of you being good at a job is the number that comes in. You do not make great money for the area you live in. You are not good at this job. Or the job sucks, and you need a different job.

1:07:58It is one of those two things, and it's not anything else. Well, I've been told by a lot of my clients. Your clients are telling you you're going to check a job. That is not. Great. That's better than a commission check. A gold stamp from a client. Like sometimes people aren't buying like$30 ,000 closets, you know. So. Dude. New job. New job. Okay. New job. I want to get a second job. We'll talk about that later. I think it'll help. Also in San Diego? Yeah, obviously. Because Mexico is not going to stretch far. I'm not going to work in Mexico. I'm working in San Diego. Yeah. So are you ever even going to be in Mexico?

1:08:27Yeah, in Mexico all the time. If you're already up there six days a week sometimes. Well, I commute. like I go back home. And it's a long ass commute too. Well, I don't work for very many hours. I work for like two hours. Well, maybe you work a better job. I love my job. I don't care. I want a second job. I know, but I, I love my job and my insurance. I get free therapy, Caleb. What? You can get that with a lot of insurances. Not for free. I get to go as many times as I want. Not every insurance, but even still, if you make substantially more and you have a copay for insurance, you still net make a lot more.

1:08:58I don't know. I don't know. Okay. Great one. Good one. I have really good health insurance. I have Kaiser. It's good health insurance. It's not necessarily the company. It is the plan within the company that matters. I only pay$100. It sounds like you have a good health insurance. But still, you can still net more. And I get mileage reimbursements. I have really good benefits in my job. I just need a second job. I need two of them. The people who think benefits that count for, honestly, pennies on the dollar are more important than the actual money that is being made are why those companies are able to pay you less to stick there.

1:09:31You think it's valued more than it is. Good benefits are important. But still, if you make more money at the end of the day after benefits and everything and co-pays and blah, blah, blah, blah, blah. Gas even. I get gas reimbursement. That's what I'm saying. Oh, she's... Oh, you are so... I'm sorry. I lost track of what you were saying. I think you might actually be stupid and that is concerning. Sometimes. That is concerning because no one else would do what you're doing. Wait, why? Because I'm commuting a lot? Just your entire life. If what you're doing, the structure, just you're coped for the reason you're leaving.

1:10:05Like if you're leaving, you know, I've always wanted to live in Mexico. Well, I have. I can vibe with that. But your reasonings behind the leave America were stupid. You are not a smart individual. Thank you. Capital one. This one I got when I got the Indigo MasterCard recently. Early? Good. Bring up your first month. Believe it or not, she's over the limit. $281.92 with a$200 limit. It's a secured card too. Minimity payment is$25. She actually made a payment surprisingly. $343 at the beginning. Then fees and interest because she was still late past due. Past due every month she's had the card and interest accruing like shit.

1:10:49No one is surprised. You just can't manage debt to save your life. I like, I just, I don't know. Like, I, I, I, And I feel like you're going to even have less incentive to pay your shit because you're already—

1:11:07You're leaving, so it's just like— No, but I'm still going to want to pay it. I know, but I feel like you're going to feel less of a need to. No, I feel more of a need to now that I've moved. Because now I actually have, like, more money and I want to get my shit paid off. Why do you want to pay your shit off? Because I want better credit. I want to buy a house. Where? Well, in Mexico, it doesn't matter. My credit is called because I'll get a new credit, but I want to buy houses in America, too, and, like, Airbnb them and stuff. Oh, my gosh. Oh, she's... She's... Okay. What the fuck is my username?

1:11:39Oh. We're having technical difficulties. No, you're having brain difficulties. That's how this conversation has been defined. And if you don't change your behavior anyway, the moment you start working on your credit in Mexico, you're going to immediately tank it without changing your behavior from where you are today. I'm pretty sure they like, you really don't want to f*** up on your credit there because they'll handle you. So, like the bank will like, yeah. So you really got to pay them back. They'll kill you? Well, I mean, I guess it depends on who you borrow from, but. Yeah, if you borrow from a gang.

1:12:10Well, do the cartels own the bank? Is that a thing? Like, I don't know. I'm not much into the lore. I don't know either, but they do. Like, if you own a business down there, you have to pay the cartel. In every city? Mm-hmm. Yeah. Okay. I'm just having technical difficulties, so I have to do a whole thing to log in. So weird. I can multitask, though. Drive just a few hours, and all of a sudden we're there. It's so crazy how different a society can be. Just a few hours. Mm-hmm. What is this, a firm? Probably. Is that what I'm looking at here? Yeah. Klarna. Oh, well, I do. Are the other ones on there?

1:12:45They should be. Pull up your Klarna. Hold on. I'm still trying to get the capital. No, I've moved on. Okay, I'm sorry. I know it's all bullshit you spent on. I'm not surprised at all. $152.26 owned on Klarna. I did put the rental car on there. One more Amazon, Amazon, Amazon. Okay, pull up. Turo? You paid for f***ing Turo? Well, it's because I got a rental car for this trip. But I'm going to pay it with the reimbursement I'm getting. It's because Ubers would have been more expensive. Pull up your Amazon, you f***. What's wrong with you? Um, orders. is. Minimum payments are like 50 bucks. Right here.

1:13:23Like$30. Okay. She has 19 things in her cart right now. Oh my god. Okay. Resistance bands, yoga mat. That's good as long as you're actually using them. Because I'm already going through here and I'm already seeing a lot of workout things. I don't want you to do that pre-overinvestment before actually doing things. No, it's because I used to go to Pilates. Sponge pack, Pilates ring set. And it was$200 a month. Another mat. So I canceled that. And now I'm going to do it on the other one. Oh, you love to talk right when I talk about things that no one wants here. Sponges. It was an old sponsor you said.

1:13:52Sponges. Oh, you're still going. Sponges. I needed those sponges. And then in the cart, we have a cutting board. Endless dye. More dye. It's for Christmas presents. Fake cacti or real cacti. I don't even know. Molds. More molds. Lots of molds. Letter molds. Letters. Numbers. Soy wax. A protective case for a laptop. Plus size homecoming dresses. strapless, white, statin. Okay. Zero sugar, strawberry, and cherry-flavored snack pack. Zaffy Taffy. Zero sugar taffy. Sugar-free candy. Sugar-free Jolly Ranchers. Those aren't half bad. Shameless snacks. And then you're getting the little, the strew fuffles.

1:14:41You're really trying to. I put stuff in my car, like, in case I want to buy it, but it's not like I'm going to go buy all this stuff. It's like my life. You know, I'm going to be honest. I know I haven't like lost like enough to be like this big. How much weight have you lost? I'm weighing in Thursday. I think I'm close to about 20. I've lost 80 pounds. Yeah, but it depends on where we start, right? Yeah, but I'm just saying like I have lost weight. The thing is I've been through that process and now I'm through a process that's a bit more sustainable but it's longer and I'm losing weight. I got on medication.

1:15:14I've been through the, okay, hey, I'm just going to replace the foods with healthier versions of the same food. That's not necessarily what's going to win because you're still not working on the binge, the eat. It's just a more sustainable life. It doesn't necessarily mean like the food you have can't be. It's all about moderation. It's moderation. It's working and building those habits and actually living a healthy, sustainable life, not replacing the food with the same amount, but just as bad or but slightly healthier versions. Sugar-free versions. Yeah, well, it depends. Like, I try to balance with, like, some low-fat, low-calorie versions with, like, the real stuff.

1:15:50Like, you know, like, I eat a lot of Greek yogurt instead of mayonnaise for tuna. And also 20 pounds starting at 230 versus 80 pounds starting at 600 is substantially better percentage. Definitely did not start at 600, but. Where'd you start? I'm not going to put that on camera. It's not 600, though. So, it was not 600. It's a lot. It wasn't$500 or$400 either. $300? Yeah. Something? Yeah. That's crazy. I know. That's what I'm saying. How did you even achieve that? I smoked a lot of weed and just binge ate a lot during COVID. And Cash App. I know this is where you do a lot of your spending from.

1:16:29When I looked at the statement from when you took off that payday loan, a lot of your spending was through Cash App. It's because Cash App is on my Apple Pay. I would honestly rather use Chime anyway, because when you set up direct deposit with Chime using our link, you get hundreds of dollars to sign on bonuses. So get those and then pay off your payday loan. You'll get the reward for signing up with direct deposit through Chime. Because it works just like Cash App. Do that and then use that and just pay off your payday loan with it. Love getting that rewards for signing up, ladies and gentlemen.

1:16:58Why not? Yep, who's surprised? It's Dutch Bros, Netflix, Extra Finance. I think that's making a payment. Apple Build, Dutch Bros, Dutch Bros, Amazon, Dutch Bros, McDonald's. Dutch Bros, Dutch Bros, make your coffee at home. Make your energy drinks at home. I don't understand this. You don't have money. You don't make money. You're f***ed. You have debt to pay off. You owe your daddy money. Starbucks, Dutch Bros, Cage 3. Go in and get some bullshit. Google one. That's okay. Dutch Bros, better buzz. This is f***ed and I don't understand why you have to do this. Okay, but to be fair. Ross stores, blind video.

1:17:33Wait, Dutch Bros this month was only$140. Die. And I thought it was like$600. I thought it was$600. I'm really proud of myself. Guys, if I thought I murdered four people, but I only murdered three, I guess that's okay. Shut the f*** up. I don't give a s*** what you thought it was. Any amount of money spent on Dutch Bros, and you can make your damn coffee at home, it honestly takes better. I don't think so. Well, then you're bad. I am. I'm really bad at making coffee. Watch YouTube videos. Also, before we get into the car loan, I really have to pee. Sorry. I bet he's told you. That's because I drink a lot of stuff.

1:18:06So can I? Pause. Sorry. Urination. Also, you only know the number because Lindsay told you. Yeah. I thought it was a lot higher. My gosh. So, I'm proud of myself. All right. This is crazy, dude. Yeah. What is this? The car payment. What is this that you owe to? A car? You have a$20 ,000 car? You can't even afford it. It's not$20 ,000. It was like$16 ,000. The outstanding balance is$20 ,281. Yeah, because I'm always late and the interest is 29%. And they put it at the back. Oh, you. This is why I'm here. because I really want your advice on this. Oh, my advice on all of this is change your behavior, get a better job, I don't care.

1:18:43And then she talks over. I'm sorry. Okay, great. I want your advice on this. I start to give two points and immediately interrupt it. F*** you. What are you doing? What is wrong with you? What is the car? It's a Nissan Rogue. Year? 2016. What do you think it's worth when you owe$20 ,281.54? I think it's worth$12 ,000. Okay, it's worth$6 ,710. Are you kidding me? According to Kelly Booblook. Damn, that's rough. Like under a lot. Shit. And we know it's under a lot of pressure. What's your minimum? Yeah, late fee, late fee, late fee, late fee, late fee, late fee. No, no. 582 is my monthly minimum payment.

1:19:19What's the interest rate? 29%. I mentioned it. You just missed it. No. Yeah. But okay, to be fair, to be fair, I really needed a car. And I feel like 29 % is it. Because like credit. You needed a$20 ,000 car. I thought that it was 29 % over the whole thing. I didn't know it was per year because I'm stupid. Yeah. What? I didn't have my mommy go with me. Oh. We live in the information era. I know. I could have Googled it. Google, GP, Grock, fucking everything. You can learn everything. Yeah. Yeah. I really needed a car though. You didn't need a car that was twice as expensive as what you could have gotten.

1:20:05I could have gone in a shitty car, but, but it is a really nice car and I'm really happy with it. So. I don't give a f***. You're late endlessly. I know. It's only worth 25 % of what you owe. That's crazy. I did not know that. That's crazy. So what is your advice? I don't know. I'm gathering the full picture. The advice is one, get a better job because you're f***ed. Two, don't spend any money on anything ever. No more Dash Bros. That's an option. Maybe like. No. Okay. Can I have a f***? Die, die, die, die, die, die. Die, die, die, die. No. How do you think you get to justify anything? You're behind on everything.

1:20:41This makes no sense. Yeah. You're f***ing broken. It's valid. Maybe you need the threat of death behind you from a bank for you to actually make your f***ing payments. Yeah, I would pay that. Maybe. Put 60 ,000 miles on in one year. Yeah, I mean, you're doing high for commutes. I drive a lot. I drive a lot for work, too.

1:21:02This is aggressive. Chewing on pens is bad for your teeth, Caleb. die you eat at McDonald's every five minutes of your life is bad for your health I'm actually not a huge fan of McDonald's so oh good I believe I see not Klarna the other one Affirm or Zip or something yeah they don't let me use it anymore overdue overdue overdue they kicked me off of using it because my credit score went down good so I'm not paying them right now you should never be having access to any debt ever again for the rest of your life What if I make better decisions? Then can I? If I change my behavior? Better positions for a long time.

1:21:39Yeah, like a year. Okay, affirm. $129.84. I don't know. I just don't want to pay them because they won't let me have more money. What an entitled... I know, but to be fair... You signed the paperwork, you tit. It's not like a lot of money. So... I feel like that's a later problem. Again, you literally get more than that setting up direct deposit with Chime with my link. I mean, it's just like... Well, I'll use that money that I get. Exactly. That's what I'm saying. Savings,$6.95. It's 27 now. Conquering the world. 287 and checking. That's wonderful. Shocking no overdraft fees this year. No. Klarna, cash outspending, cash outspending, cash outspending.

1:22:21Klarna, Affirm, Amazon, ATM, Tra, ATM, Tra. Going in and getting some bullshit. You got an energy drink. There it is. $4 energy drink. You went in. Energy drink was from here. I did buy the Dutch coast. I'm here. Are you stupid? Oh, sorry. My goodness, I'm going through the statement. Are you actually a moron? You looked at this. I got, yeah, anyways. Gamer Subs, 25 cents a serving. What the fuck, dude? In-N-Out. What is also wrong with you? I know. I don't really like In-N-Out either. Because it's not that good. It's not. It is not that good. Have you ever been to Washington? Go to Dick's Drive-In.

1:22:54Yeah. Dick's Drive-In is superior for like burger places. Shake Shack is superior. Oh, no. Incredible. ATM would draw. Oh, the game's going. Prime video. Arco. Sorry. That was a really dramatic like keeps going. Sorry. Does your heart need that? Yeah, I like caffeine. Arco. Going in against the bullshit. Casino? Casino? You absolute casino? It was only$20. How dare you? I'm sorry. How dare you? Fuck you. No, how dare you? That is not funny. It was a fun little date. Shut up. Klarna. Prime Video Dutch Bros Cash App Cash App Cash App Best Buy Cash App Winning Got Some Bullshit Cash App Cash App ATM or Try ATM or Try

1:23:44Winning Got Some Bullshit Winning Got Some Bullshit Cash App Cash App Winning Got Some Bullshit Pay Later Klarna Fred I don't even know Taco Bell Taco Bell Dutch Bros Go Brands Dunkin Donuts Or DoorDash I don't know, but it's$112. $112? $112. For what does it say? DD's. Oh, DD's discount. It's like Ross in California. I highly recommend it. Corona, Amazon, Cash App, Bullshit, Spotify. I told you you have it. Use your audio books there. Affirm, Golden State, Jamba Juice. Going in and getting some bullshit. Die. cash app you got an energy drink bullshit prime video cash app amazon go puffing you're go puffing you're go puffing again how to deal cash app audible red eye shop cash app oh that's another thing you really should do I only allow myself to have one vape a paycheck though I'm budgeting You are a broken individual.

1:25:00You are a broken and you are going to die before 30. No, I'm not. I'm not going to die before 30. Dude, you're vaping, you're energy drinking and you are morbidly obese. You are going to die before 30. Well, I'm going to lose weight and I am going to quit smoking. And you've moved to Mexico. I am quitting vaping when my mom quit smoking. I made a deal with her because I want her to quit smoking. Great, yeah. Let's make you dependent on someone else. And I barely started vaping. You are so broken. Your logic on everything is so broken. You are so done. You are never going to make progress. Wix, you pay for a website.

1:25:25You're stupid. Craigslist died. I have a consulting business. God, die. Raising Cane's Klarna, Craigslist. Bullshit Craigslist. The Craigslist, I got reimbursed for that. You're so f***ed. You're so f***ed. Good luck. I'm going to make a budget for good the f***ed luck. My confidence equals zero. Well, we'll see. Yeah, we'll see. I have a lot of confidence in myself. We'll see if you live between now and the follow-up. How long does it usually take? Three, six months. Whenever you f***ing want. Yeah, I think I'll make it that long. Maybe a year or not. Keep chugging that caffeine. $1 ,177 is your minimum fee payments, which is a third of your income, of which I'm making$3 ,500.

1:26:05Okay. Gas, room, room, drive, drive, how much? Probably like$600 a month. Car insurance, how much? $289. My driving. Rent. $500. And you do not pay utilities? No. How do groceries work in the house? I pay about$300 a month, and she pays about$200. $300, groceries. Do you find anything else you need? You need$100. You're probably$150 for your extra things you need. What extra things do I need? Personal trainer? I don't know. Is this something? More things come with this. Jim, how much? $29 a month. Do you have any pets? Yes, you do. You have two dogs. How old are they? What are their health? One is nine months, and the other one is two and a half years.

1:26:46And their health? And their great health, so I can get them pet insurance. $100 pet insurance for both combined. It'll be good in pet insurance, not the ship pet insurance. on what kind of pet insurance to get. Yeah, we'll send you some links. Thank you. Medical health care, not right now. Maybe if you're switching better jobs. What? The medical health care comes out of my paycheck already. No shit. I know that you. That's what I'm talking. Sorry. What's your phone bill? My phone bill is$160. I just got an iPad on it for work. Switch to helium if T-Mobile is good in your area. I don't know how that works with Mexico, so I don't know, but it's good for most people here.

1:27:21Subscriptions, I'll try to say$25 ,000. Let's see if this even works. If not, I need to get another job. I think that's where it's going to end up. No, you just need a better job. You need a real career. My job is a career job. Dude, shut up. I'm sorry. You see, and this is why I'm borderline giving up. You see how you're just incapable of working. I would rather get another job. Listen, you technically have a room of like$100 if you bring in$3 ,500. You said you bring in$3 ,000. So I don't even know. You're either behind or you're not. Let's pretend you make$100. Very good. Very good. You make$100.

1:27:51That's wonderful. of your total debts, $26 ,649.77 divided by 100. Okay, divided by 12. Yeah, that takes you 200, what was that, 22 years to pay off? If I do minimum payments? Listen, here's the thing. Here's the thing. You can't even sell your fucking voluntary. Okay, yeah. Okay, wait, really quick. Retirement? So at my... No, no, no. Okay, no. You can't afford to pay bills. I don't like... And then I want to pay my car off ASAP. and you can't even afford it? ASAP? No, no. How do you suggest when I have extra money, what do I put it towards? What is your recommendation? Now can I actually give my thoughts instead of you trying to lead the conversation?

1:28:29Thank you. This is 100 % what I would do in your situation. You're completely, your credits are, I don't see the point. I had voluntary repo, you're going to owe money. Then you're going to get a horrible predatory loan on a not so great$10 ,000 car that you're going to drive for a couple years. As you get pre-approved by multiple mechanics that it will not fall apart for a couple years. It is safety driven and you are going to, and this is post your voluntary repo. and then after you already have that, then you are going to, after you change your behavior, proven for three months, don't pay on your debt anymore.

1:28:57Just don't. Three months, then declare bankruptcy. You suggest I declare bankruptcy? I don't have that much debt though. Dude, are you, with the money you have left over, it takes 22 years. Your credit's already, okay, but I can make more money. Okay, very good. Listen, Lindsay said there's something exciting in the post show. So that's it. She's not going to listen to anything. So fuck her. So join Hammerly for that. Let's get her Hammer financial score. Okay, very good. Fuck off and go to Mexico. Go back to Mexico, bitch. Join us in the post show. Join Hammer Elite. Click that join button. Three premium shows posted every single day, Monday through Friday, including an extra 20 minutes of this show, this episode, where Lindsay said there's something absolutely juicy.

1:29:39And I don't know it yet. Let's find out. See you there. This other thing. This other thing's crazy. That we cannot discuss in the teaser. Oh, we couldn't talk about this in the main show? Or in the main show. What is it? We couldn't talk about this in the main show. This is insane. I can't believe this. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.