Sugar Baby Demands Money From Me | Financial Audit

25:02A year and a half, two years ago? Okay, then I don't think you're working very hard at this goal. No. People are scary. People can be really dumb. Yes, some. So you shut down humanity. I'm getting better about it. And you live in a box the rest of your life? That's not a life worth living. I'm in this box right now. This is me getting out of my box. Yeah, but this isn't a date. This isn't a relationship. But this is still talking to someone that I'm, you know, going back and forth on. You don't have conversations with humans? I mean, you work at a place. You go outside. I pretty much just go to work and then I go home most of the time.

25:39But you want to be in art? Well, you have school as well. In a very collaborative field, if we're being honest. A lot of it's about connections and trying to get your art places. Well, the classes that I've been taking were all online. And we only had like a couple group things to do. Nothing like online art classes. I still learned a lot. I did a digital art design and now I can do InDesign and I'm really good at it. But is it not something that I could probably type into GPT and just get? Probably at this point, yeah. Come on, and that's the thing. It's just like we have to adapt. Good or bad, doesn't matter, it's here.

26:10I mean, in a way, you're kind of part of the problem by engaging in AI so much. Are we doing AI or not? I'm confused. Well, no, but you advertise it. You just said you use chat GPT, that's AI. Well, it's a good shirt. I use it as a search engine. Much quicker. than Google. Did you put glue on your pizza? Huh? Did you put glue on your pizza? Remember there was like a point when chat GPT There was a point when chat GPT came out somebody was like give me a pizza recipe and it said put glue on your pizza as cheese. Has it not improved? I'm sure it has but like that doesn't mean that everything that comes out of it is 100 % right.

26:46Oh I don't believe everything 100 % but it's still like a search engine kind of like Google. I just use it as Google. But okay I'm a little confused. Yes, there are new products on the space. It's okay to promote halfway decent products that might make people's lives easier, but also at the same point, I know the conflict of some people might lose jobs, but also look at how you're going about your job. It's hard for me to have as much sympathy for you. I'm not asking you for sympathy for me. Then what's the issue? People in general, If you use the AI video creating things and you're taking that away from somebody that is a physical person.

27:30Yeah, absolutely. There's costs and negatives. When we invented the tractor, it took away farm jobs. When we invented factories, it took away more manual labor jobs. Now we've got the AI taking away the white color jobs. Yeah, it's hard. Those economic transitions are incredibly difficult. And we have to figure that out. And our system has at least historically shown a halfway decent point of getting people into different career fields, but it doesn't mean you get to do what you want forever, right? It's harder to be the person that goes out and just bees a manual farmer. You know, it can't really compete.

28:12What do you think your financial score is, 0 to 10? Like a 2, maybe. Okay, 2 out of 10. If you want to know where you stand in the world of finances, take the assessment. It is free at CalebHammer.com or click that link in the description below. And also, you know, make sure you go to CalebHammer.com slash apply if you want to be on the show. And don't forget to download our budgeting app, DollarWise. Sign up for the annual version. You can take the trial, but sign up for the annual version. I'll send you our cookbook, budget-friendly cookbook, signed by me, sent directly to you. Okay, so you've accumulated a lot of debt by doing nothing in life so far.

28:45Why have we accumulated all this Practically $25 ,000 of debt And have done nothing How What have you done Not just funsies What does life look like Well I've just I don't know I've had a lot of Make myself feel better spending Just the endless cope It's always just the endless cope man Copium Let me tell you I mean you're spending alone Let's just check out the categories right now from this most recent month. Miscellaneous bullsh** was 16.3 % spending. Bullsh**, I didn't even see groceries. Bullsh** food was 12%. Unknown shopping, 19%. Of course, we know we spent$2 ,000 when we brought in$1 ,700.

29:33So that's the percent of the spending. Again, sucking dong is not going to change that. You bring in more money, you spend more money. That is what's going to happen. Bring in$3 ,000, you'll spend$3 ,500. I mean, I hope not. You're trying to be better. You hope not trying to be better, yet you spend more. Trying to budget, trying to get my shit together. What are you talking about? Why does literally everyone in the history of this show, I swear, within this last year say that? I'm trying. What do you mean? I have your most recent months. You spent more than you brought in. What the f*** are you talking about?

30:01I'm trying. There is no trying. I'm trying to budget. What is trying to budget? You budget or you don't? You budget or you don't. I guess I don't budget, but I would like to. Then why don't you? Because I'm lazy and stupid. Oh, that's a bullshit answer. Come on. Pull deep inside. Why are you not sitting down and putting in the actual work? I just, I just, I don't know. I just, I don't. I just have so much other better things to do. So you have no self-reflection in your entire life. So much better things to do with my time than sit down and budget. To actually fix your life and try to, what do you want to do?

30:36Do you have any goals, any aspirations? I want to buy a house. Besides being the artist, you want to buy a house? Where? Salt Lake City? Good luck. Do you want to end up in Salt Lake City? Do we want to move? What do we, what do we, because if you have nothing to latch onto, goals, you're not even close to getting into an house. You're$25 ,000 negative net worth. I'm want to, I would like to move. To? Anywhere. Well, I just. Come on. Well, I want to, well, I want to follow the job. So anywhere I can get a better job, I would just, wherever, wherever that is. You know what job? You said you want to be an artist.

31:05What career field are we looking at outside of this? Well, it's not, well, it wasn't everything. I have like a huge range of things that I would be okay with doing. A lot in something. What? Just name your number one. Besides the artist, freelance. Besides that? Yes. An actual job that someone can offer you and pay you money for. Well, I've thought about maybe getting an accountant certification. It's so far off. And listen, I'll give you that from course careers. But even still, like if that's, if you're looking at a certification, why be even in college? Get an accounting degree at that point.

31:37Well, that was my next step after I graduated, was to do the certification. Our next step after graduation is more school, so permanent school forever, living with grammar forever, never accomplishing anything in life forever, going further into the future forever. I hope not. I know people like you. We all know people like you. We've seen it. It's not a good thing. It's not a good thing. I need to be clear. This isn't something where there are the permanent schoolers. And you probably sit there and cancel people online all day. I know you septum piercing. Listen, this is what you do. You do permanent school forever.

32:05I didn't do permanent school. I dropped out for a long time. And now you're back. And I'm only back for a little while. And we're talking about graduating and going back to school for accounting. Well, how else am I supposed to get something to move out? See, that's the thing. You think that is everything. But you think being there in that endless cycle forever, getting the next degree and getting the next degree, never actually starting our adult life career, moving on. Look where you are. You're negative 25 ,000. I'll make that a positive 25 ,000. How? Well, we already know your strategy. And I don't think that's...

32:36All right, financial audit community, we're going to come together right now and we're going to do a little bit of self-reflection and confessing on my behalf. The last couple of years, I've been launching educational programs each quarter or so. And then we also launched our budgeting app. And tens of thousands of people have taken these programs and more than tens of thousands of people have downloaded the budgeting app. The fact is, as someone who wanted to go to college to educate people, I love working with professionals and making these programs that actually change people's lives. But the confession and realization is the more and more we make and the more and more I want to make to educate people on certain topics, the more expensive it's all getting.

33:13So I sat down with my team a few months ago and we started brainstorming a solution on this. We decided to rebrand kind of everything we're working on for the future and we've brought it all in as dollar wise. You got the budget nap version and then you got the education version. And what we're doing right now is bundling it all together for literally 80 % off. That is 8-0 % off. And we're calling it DollarWise Central. You get all of our educational programs that we've made and the premium version of our budgeting app all for one singular price. Again, it's literally 80 % off at DollarWise.com.

33:48Those links are also in the description below. Tens of thousands of people have changed their lives. You can too. And now for a lot cheaper. Go to DollarWise.com. I mean, objectively, it is not a healthy way to do it. Don't get me wrong. Women have made millions off the OF. I don't necessarily know. If I only wanted to do the feet pics as a supplement, I would never take pictures of myself. It is a natural transition. No, I don't believe that because there are people that have boundaries. And you can put a boundary for yourself and be like, I will only ever sell feet. And you can follow that boundary.

34:21I don't believe that it's a pipeline that if you start it, you're going to end up flashing your hoo-ha to everyone. Hoo-ha. All right. Really from Mormon, Bill. Got it. But the thing is, if we're willing to sleep with people for money, that is where there's a more natural transition. And if there's no boundary for that, selling boobs online. Which I've never done. I've never done any of it. You've met up, you went on the site and you're considering it. So the fact is, that is an easy transition. And what I was trying to say is people have made millions. But I want to be objective. And I just want to lay it flat.

34:58You have cuteness You're cute Thank you The people you'd be competing against Are hot Ter Yeah Yes Yes Thanks for that backhanded compliment You're cute You're so cute but you're not that hot Did I say so cute Let's not put words in my mouth I said you are cute Sorry you are cute but you're not that hot What you're a six and a half I'm a five Let's be honest. Like, come on. Right?

35:58We can be honest, especially if you come in here and ask for it. I didn't ask for you to rate me. I didn't ask for you to do that. Rude. To what you? Rate me. Rate you? Mm-hmm. Well, with where this conversation was going, I didn't know what language. Okay. No, but you come in asking for Sugar Daddy. Yeah, what do you think I'm going to, like, of course I'm going to tell you my objective thoughts on if you want me to be a client. Again, cute. It's going to be hard to compete. That's all I'm saying. Not that I even want you to do it anyway. Because a lot of people, it's kind of degrading. You get kind of f***ed up for that.

36:37Well, then help me and I won't go down that path. A lot of people get tens of millions of dollars and they get to live an amazing life. Help you. Yes, great. I'm already trying to, though. Because the conversation we're having is important. The permanent school is not a healthy thing. That doesn't get you anywhere. I don't want to be in school. I do love school, though. That's the problem. Because you have, again, I f***ed. after four conversations a week for three years, I'm just starting to learn everyone's profile. I can kind of guess the rest of your life. Here's the thing. You're not leaving grandma's house.

37:05You're afraid to interact with people. No, I will leave grandma's house. Yeah, but you haven't. But I will. Okay, sure, but you haven't. I'm saying you live with grandma at 26. You work basically what is considered minimum wage in that town. And you are in permanent school. You're afraid to put your art out there. You drop out, go back, drop out, go back. Going to get a second degree. Cancel people online all day. I know people like you. You are that person that is afraid to go out of their little bubble and you'll never do it because it's scary. I am. I am afraid and I am scared, but I am getting better about it.

37:38And I'm growing and I'm getting better. Maybe some social things, but you in terms of your career and life, that is what I'm saying is dangerous. And you're saying, you're saying help me so I won't have to do that. What I am trying to say and what is the helpful advice, probably more than we're going to get out of anything in this conversation, your endless loop of school and being coddled by grandma and not actually going out there putting your heart on display, not actually going out there trying to have a career, not actually going out there trying to be an adult for the first time in your life is what is actually f***ing holding you back, okay?

38:10Sucking f*** isn't what's going to save your life. You actually need to go out there and get s*** done. You can accomplish a lot of stuff this second day. So do you understand how much marketing goes into selling feet pics? I do, actually. I looked into it a little bit, and I was, I just, yeah, I felt really weird doing it. I started taking pictures of my feet, but then I could never actually upload it. You couldn't upload them? No, because it was, I just, it was weird. What's weird? I don't know. Well, I was with somebody with a foot fetish, so it's not, like, weird. Ladies and gentlemen, here it is.

38:43Not for free, Caleb. That's it. that's it there you go it wasn't very scary I'll be honest you have any idea how many people are going to goon to that now? you just gave the internet like kryptonite for you good keep your screens clean ladies and gentlemen that's all I request don't get it in the keyboards they also would like to know are the feet ugly? no I've actually told my aunt told me I could be a foot model which is a weird thing to say to someone But yeah, I have very cute feet. Is she just staring at your feet? No, I was just barefoot. And she was like over at my house and she was like, oh, you have cute feet.

39:25You can be a foot model. You have a weird relationship with your family and you're just a little weird. Okay. Amazon Chase card. Hmm. Let's get into the finances. What the are we talking about? You know,$1 ,487.54 on here with a minimum monthly payment due of$40. Purchasing$340 Why? $32.39 Of interest accrued Why? Probably for funsies I actually Pull up your f***ing Amazon account It takes six years to pay off Yeah minimum payments only without doing any purchases Of which by the way you're incapable of Hold on It only goes back like three months Oh, I did get the Oh, you have a wish list A wish list for the sugar daddies Oh my, okay, let me see it Oh my gosh, what are you?

40:22You are such a fucking creature You seem so innocent And then, of course, you have your, like, borderline demonic piercings But then you Demonic? But then you're out there trying to fucking glizz it up You have to scroll back up What, for your sugar daddy wish list? Yeah, for the list Okay Yeah, but you see, Prime Day is coming up. Well, you better find one soon. I'm very excited for that. I guess. You better find one soon, because I don't know how the fuck you're going to afford this. We got a Star Wars Complete Nine movie collection. If you opened with that, I may have said yes.

41:01That's what the girlfriend and I are doing right now. We're binging all the Star Wars movies. Nice. 30 Days of Night. Yeah. It's a really good movie. Goddess and Ever Woman. That's a good book. All right, we don't need commentary on everything. Doola quick dry cargo pants. That's for work. I work outside at night. Wide brim bucket hat. UV protection. You are very white, but also you're in Utah, so I don't really know. Woman's craft sweater, V-neck. Is that what you're wearing right now? I can't tell. Okay, so you already bought the thing that's on your... Okay. Woman's cotton linen maxi dress.

41:36Japanese art style for women in your cart right now is a rest keyboard cloud. Are you a gamer? Yeah, I have a PC. That's another reason you're not going out. And I love little gameys, but it's like, come on, you're just locking yourself inside. Yeah, I'm not right now, though. You're not living a life. I came all the way to Texas. Okay, congrats. You went outside one day for the last year and a half. Come on, cooling towels. Stop bringing up the fact that you're here. It's like, okay, I know you're here. Yay, you made it. You opened the door. Lots of travel things. Portable speakers. Women's, lots of clothing and cat water fountain filters and stained glass and folders and nose ring hoops.

42:25Screen protectors. Watch. Crayons. And lots of roller skates. Yeah, I recently took that up. It's fun. I feel like you're going to try the sugar daddy think it's going to fail and then you're just going to be a discord girlfriend be someone's discord kitten what is that it's so weird you have this innocent vibe and then again a little bit of a creature look and then you just say the most wild things I mean I'm probably I mean I was kind of raised by the internet I might look innocent I'm definitely a certified gooner I'm glad the toys are getting a workout yeah I forgot that was on my list was that on your wish list did I miss it oh I thought that's what you were talking never mind You didn't see the poise on there.

43:08Good. Why don't you just find someone? If you want a boyfriend, find someone. Someone that isn't paying you to be with you. That's difficult. People are hard. Are you on the apps? Yeah, I pinch. We will review them in the post show, ladies and gentlemen. We will bring in Gunnar and Chief, Brandon. You know him from being the translator. Or my co-host of Fat and Fatter, our new show. You have a new show? Yeah, it's in the Hammer Elite membership. That's fun. Monday, Wednesday, Friday two hours after financial audit uploads every single day starting on the 30th of this month I don't know when this video goes up I've never done the Patreon thing but I thought about buying yours Don't do it on YouTube membership we have the second largest on the platform and the platform has told us it's the best on the platform and that's because it is Amazon, Amazon, Amazon, Amazon, Amazon 26.49 % interest rate Yeah.

44:03I recently went and looked at that and I didn't realize how much. Do not bite your lip at me again after this conversation. That makes me feel weird. Sorry. You can bite your lip at Brandon later. Not me. Mountain America. What is going on with this? So for a really long time, I didn't really know like how checking and savings, like how you're supposed to do that. So I kind of, yeah. I just did what I thought was right. What did you think was right? That wasn't an answer. What the f*** are you talking about? So I pretty much, so I was putting everything on credit cards. Because I, okay, so when I was 16, I bought something with my card.

44:50My checking account got cleared. No, my debit card. I was going to say, okay. And it got, my account got wiped. So after that, I started just putting all my money in savings and switching it over to checking when I need to buy something. But then when I got a credit card, I stopped doing that and I just started buying everything on my credit card instead and I pretty much never used my checking account. How long have we been doing that? Like four years up until like a few months ago, maybe. I still have a habit of, well, my card actually stopped working, my debit card stopped. When you say you're trying, that is not trying then.

45:27Trying is worth stopping something that is not working and trying to implement something else. That is not trying. It's trying for me. So you're just a failure in every instance of life. No. You don't have to be, though. I'm just so confused by you. Do you want to get out? How long have you wanted to not live with grandma? Since 18.

45:52What? You've done nothing. It's been eight years. It's been eight years, you've accumulated debt, and you've done nothing. Have you... What the f***? Why? How's you guys' relationship? Weird. Really weird. Tell. I don't know how much you want to get into it, but I recently have been learning a lot about enmeshment and covert incest. What the f***? I don't know what you're talking about. You don't know what enmeshment is? No, I'm not on therapy TikTok where we self-diagnose everything. I didn't self-diagnose that. I've talked to my therapist about it. She agrees. It's basically where families are like super.

46:32It's like when families are too involved with each other. Well, you live with her. You haven't left. And she feels like you leech off of her and she wants you gone. So, yeah, maybe you're enmeshed. She wants me gone, but she also wants me to like. What is this reverse incest? Is this the reverse cowgirl of the inbred child world? All right, let's be honest. I wasn't sure what to think of this thing when I first saw it. Wearable AI note taker? Sounded like something out of a sci-fi movie. It's impossible. But then I tried the plot note pin, and yeah, this thing's actually kind of a game changer.

47:12Whether I'm in a meeting, brainstorming content, or just walking around thinking through video ideas, it captures everything. I just hit record, talk, and later you get a full AI summary on the app. On top of that, you can even chat with AI for more creative ideas or work solutions. It's crazy. You can wear it on a wristband, clip it, pin it, or as a necklace. I keep it right here so I don't forget it. It supports 112 languages to English, has 20 hours of recording time, 40-day standby, and stores everything in the cloud with unlimited space. So you're not stuck deleting files every week like it's 2009.

47:49Did you get that memo? And right now, they're throwing in the$29.99 magnetic pin and clip for free, plus free cloud storage and their advanced AI starter plan valued at$60, all included when you grab the note pin. So if you're the type of person with a thousand ideas or running lots of calls and meetings and no system to capture them, this fixes that. Go to my link to check it out. Scan this QR code or click the link below in the description. with code Caleb, you get$10 off immediately. I use it, it works, and it doesn't yell at me when I forget something. That is worth it right there. You know what's harder than trying to cancel a gym membership?

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49:07Plus, you'll have on-demand access to your provider throughout the process. Over 500 ,000 people have already used it, which should tell you something. If Ro had been around when I was dealing with my own insurance mess, it would have saved me a lot of headaches. Go to ro.co.caleb to check your insurance for free. That is ro.co.caleb. And of course, go to ro.co.co.caleb for black box warning and full safety information about GLP-1 medications. Let's get back to the episode. No, it's basically like where parents kind of like make their children into their partners She wants you gone! You're just incapable of going and doing something productive in life Stop being the whiny little brat that puts everything on grandma She doesn't want you there I'm not a whiny little brat She doesn't want you there She is very like sabotaging She doesn't want you there I don't want to be here But you are choosing to because you are doing nothing You're permanently in school forever.

50:08You've done nothing to strategically leave. I'm about to graduate. You keep saying I'm permanently in school. A certification is not like, that's not intensive. Instead of going out and getting something in her job. It's not me going back to school like you keep saying. So she's reverse incesting you. You guys are touching nips. I don't understand. I'm so confused. I am so confused and grossed out by this conversation. But if you're going to use the word incest, like what else in my fiction? She wants you gone. How are you suggesting that she is trying to sabotage you? She literally wants you not there.

50:40She packs up your shit and put the boxes on her front porch. That's not what she did. What? What did she do? She told my uncle if I didn't start packing, she would throw my shit out on the front. Good! And then the next day she put boxes in front of my door. Good! Leave! Leave! At the time, that wasn't justified in my opinion. Live with a rich Mormon man. Don't do that. But you totally could if you wanted to. Don't do that. Do you have friends? Not really. A couple. I have people at work that I talk to a little bit, and I've only hung out. Room with one. The only one I know, I don't. She has a dog, and I have cats.

51:21Okay, keep them separate. In your room. I'm not confining my cats to a single bedroom. It doesn't know what it's doing. No, that's mean. Sure, okay, okay. I love my cats, so I never do that to them. Yeah, yeah, yeah, yeah. I like pets, too. I get it. I'm just trying to figure out a solution because you're getting reverse diddled or whatever. And I don't know. Looked into some like cheaper apartments. I'm sure you looked into other trauma terms as well. Like a while ago. Okay. And what do you find? Well, at the time I was making less and I didn't have enough money to like afford it. But now that I've gotten a raise, maybe I can afford it if I get better with my shit.

52:01But you're not. So you're just living with grandma forever. I will not live with her forever. You're 26. You've wanted to move out since 18. It's been eight years. What the f*** are you talking about? Nothing has changed. Oh, my therapist what? What has my therapist done this time? What has my therapist done? Tell me. She wants me to move out like that. Great. And you've done nothing. You've gone further into debt. And also, I think you might need a new therapist. I actually am thinking about firing her, but not really for that reason. For what reason? She's chronically late to our appointments.

52:34Well, she's also chronically enabling you and just being like, yes, actually what you're saying is so true. You are so reversed incested right now. God, I wish my therapist actually was like that. That'd be great. Yeah, because you just want someone who just completely affirms everything you're saying. Instead of someone who's actually willing to challenge you and have you go out there and develop any kind of positive coping mechanisms whatsoever. Yeah. Yeah. No, I don't. I am. I don't. You don't like the word trying, so I can't keep saying that. Because you're not. I mean, listen, I have your finances in front of me.

53:16Like, if you're going to use that word, I would want to see some try. You did nothing positive. I've been better over the last, like, six-ish months. If you saw from, like, what it was years ago, it was a lot worse. That's what everyone says. Listen, everyone says that when they come on the show. I don't know. Maybe everyone says it because it's true. Yeah, but everyone's f***ed that comes on the show or else you wouldn't be on the show. Well, then maybe that's, I don't know. That's like the guest that you bring on. Yes. That's the point. On a show about financial disasters, we bring on. So you're surprised that they have financial disasters?

53:52No, but I'm surprised that everyone says, I'm doing better. No, you're not. In what sense? One thing that's, I mean, it's really hard here is I want you to get out of the grandma's house. But other than that, we just have no goals and aspirations in life. So I just don't. No, I do have goals. I saved for an elective surgery. I want to get my car paid off as soon as I can. Yeah. Was the elective surgery? Yeah. Your surgery's done. No. Okay. I did have. I convinced myself for a moment there. Okay. For a moment. But I'm back in the traditional woman world. I had a bilateral self-injectomy. And you wouldn't know what that was.

54:31Nope. I had my fallopian tubes removed. Well, for... Por... Por... Por... Por... Por... Por... Por... Because I don't want kids. Kids are cool. They're not for me. Mm-hmm. I don't want them. It's quite a permanent thing to make early on. I've known since I was like 10 years old that I didn't want kids. I've always known. Uh-huh. So I guess we're just getting rid of the period effects? No. That's if you get a hysterectomy You have to remove your ovaries So what is the benefit of what you've done? I don't have to worry every time I have sex You don't have sex You're willing to have people pay for it I had issues in my relationships Because I was so scared to have sex Make them wrap it up They did and I'd still get anxious I'd be on birth control and I'd still be anxious Well is this because you're incapable of existing in this world without being anxious I guess not I'm very anxious Yeah we know I mean

55:26Okay. And how much was that? Well, they told me it was going to be a lot more, so I tried to save a lot more, but then it ended up being like... When? How much did you save? How much was it? At the beginning of this year, I had like two or three thousand saved up for it. And then... So you did this all so you could have raw sex and not worry about it? I mean, yeah, but I don't want to produce a child. That's way more expensive. It's such a big thing as, like, I get the child thing. I get the child thing. Of course, it's a very permanent decision you've made early on. But whatever, you know, you live your life.

56:08But just out of the fear of not having a child, this is a dramatic and expensive and very invasive decision to have. No, it's not. What do you mean? What? It's just a permanent choice for myself No, it's a very big It's an expensive version of Hey, just wear a condom Okay, I guess, yeah, that's true But it's because of the anxiety I just didn't I got that, but you work on positive coping mechanisms Instead of going to extremes, though That's what we learn in proper therapy I don't think that's extreme if I know for a fact I'm never going to have a kid Sure All I'm trying to say is to play devil's advocate And, you know, I'm not I don't got the f***ing eggs I'm the f***ing out eggs, okay?

56:46I'm not popping those guys out. Yeah, you also don't have to be pregnant. Huh? You don't have to be pregnant. I don't have to be pregnant. I'm just all, you know, I'm not fully there, and that's everyone's excuse online they're going to be. It's like, Caleb is not a woman. You can never have an opinion. The thing is, just to play devil's advocate, we all have things where we know for a fact that we never or do want to do something our entire life, and then life happens. So that's all I'm saying, is you went to an extreme version of just working on positive coping mechanisms for what is 99.99 % effective and avoiding pregnancy where we also could add on birth control.

57:19We could also add. Birth control gave me horrible side effects. And I could only do certain types of birth control. And I know there's lots of downsides to this painful wise, but there's the hormonal free IUD. All I'm saying is there are lots of options that. I chose not to do. And coping mechanisms that you chose not to, but you went in extreme version, which makes you nervous for your life is you go extreme versions of things instead of working on positive coping mechanisms. And then you get reaffirmed in your therapy. I first Googled the surgery when I was 16. So I've been thinking about the surgery for 10 years.

57:49It wasn't just like a, oh, I want a raw dog, my boyfriend. So I'm going to go get my tubes removed. Okay. How much was it? How much did you save? I saved$2 ,000 to$3 ,000 because they told me it would be like$1 ,000. But then it only ended up being like$1 ,000 or$2 ,000. And how much did you have left over? Well, my car broke down at the same time and I got a concussion. So we have no savings. No, not anymore. I did. Oh! What's in your retirement? I think now it's like$2 ,000. You are in the best decade of your life. The thing is, if you graduate college at the traditional 22 and you start throwing at least a match in, preferably closer to 10 % at least, going into the market, you just set yourself up for success because you have time on your side.

58:33You have time on your side. You're losing time. I started out working with the idea that I would never retire. Like I just always had that in the back of my head. We can't retire just off of Loan Dudes because no offense, but people will be less interested around 35. Yeah. My shelf life, that wall that I hit. Well, I mean, if we're just talking reality, what's the age that people are subscribing to on OF? Oh, yeah. Exactly. I mean, I don't know the age, but I'm assuming it's in the 20s, yeah. Okay. So in this account, so this is a credit card. The amount in America is a credit card. $15 minimum payment.

59:15It's not a huge balance. It's$516.95. And also, the thing is, can I just mention, I know this conversation is weird. This is a weird financial audit, but I've accepted it at this point. I'm a weird person, it's fine. I'm a weird person, it's fine. Yes, you literally have a gaping hole in your ear. Yes.

59:41More holes for the daddies to use, I guess. But the thing is, be a really small daddy. That'd be a really small daddy. The thing is, listen, I am known for the most infamous and absolutely incredible quote. Any hole will do. And I am proud of that. I am proud of that. And I was also another certified guiner. But the thing is, what I was going to say, since we've already gone off the rails, people have come on the show and they've asked me out. earnestly and everything that flatters me someone coming on the show and being like can you give me money for me to go out with you that doesn't flatter me that hurts my feelings hurts my feelings okay so you didn't even i didn't even get flattery out of this so you something mcdonald's subway subway mcdonald's netflix subway spotify steam purchases all bullshit It's all bullshit You're not even doing anything You're not even putting bills on here Not putting anything that gets us out of the house Your wish list is fucking futons For where?

1:00:48For your grandma's living room? Fuck you This doesn't make any sense None of this gets you out of the house You have a goal 8 years ago to get out of the house And yet you're going on here just getting McDonald's and steam purchases Fuck you Sitting on your PC all day instead of working more Fuck you You're doing nothing Stop biting your lip at me It's weird You're doing nothing You're doing nothing to get you to your goal. I'm here. It's not cute. It's not funny. Shut the f*** up. Shut the f*** up. Oh my gosh, this is f***ing crazy. These notes. You're just such a creature. She spent$700 to have electricity added to the basement of her grandma's house, and that's where she just sits in there.

1:01:27She just f***ing goons, and she just plays games all day instead of going out, seeing the sun, or any... But why are you even getting the sun hats so you can sit in your grandma's basement? Why did you even invest in your grandma's basement to get electricity down there. You want to move out. That$700 could have gone to a savings account to get a security deposit down on a place. You make no sense. Your ambitions, and you actually think your way out of it is, oh, I'm going to go out there and just... It's not getting... That's not a good solution. It's not a healthy solution. And you think that's a shortcut because you have done nothing in your entire life to actually get you there.

1:02:06You just invest in actually staying there more. $1 ,800 gaming PC so you can just sit down there. You dug the double monitors. You went online, got a loan for it. It was too easy. Well, I had to make myself into a certified Discord kid. But you didn't have to. You could have got your own place. You could have gotten a studio apartment and rented. And you could have been good. I did look at the time, and I couldn't afford it. Oh, she looked, guys. What an accomplishment. Guys, she went on Zillow. I got afforded for a low income housing and I still couldn't afford it. And you honestly shouldn't even because that's for people down on the luck.

1:02:41You're not down on your luck. You're down on you've done nothing. That's why the should we support you? You've done nothing. You've gone further into that via gaming PCs and gooning and you want to suck to get out of money. Why am I giving you a tax refund? Why am I subsidizing your house? Why? That makes no sense. I work. I employ people. I provide. I would like to make you do nothing. You'd like to, but you've done nothing except for the infinite college hack. I've secretly told my managers I'd like to move up. You secretly told your managers. No, I recently, sorry. Okay, and they said, they said that they're.

1:03:17They said look like a normal person first? No, they're my work. They don't give a shit what you look like. I've got people with like. In Mormonville? Okay. Yeah, well, it's Salt Lake is, well, it's actually a very blue city. Okay. It's everywhere else. It's like really red and conservative. Okay, keep going. But yeah, I told them. And what would that go to, 21 to 23? Depending. So there is a specific job I want. And I think that one's$50 ,000 a year. But it wouldn't make sense to promote you though. Because one, I mean, we know you. You don't know me. Not that part. Not that part. Not in any of that.

1:03:49We know where you're at. I'm on summer break. I'm going to be going to school again in the fall and for another year. And then after that, I want to do something else. So it's like, why would they invest in you? I mean, it's retail. They don't care. It's like if you do the job. They care about investing. They would rather have someone there that is going to stick around. I've been volunteering to go extra days. They don't care. I've been going. I'm a hard worker and I do a lot at my job. Okay, you're working 40 hours a week. Calm down. You, they want to invest in people that will stick there. Huh?

1:04:19I bust my ass. I do a lot at my job. No, you're trying to take it up the ass to get more money. That is different. Hot. Sorry. All right, she's into it. Ladies and gentlemen, we've learned. Okay. That's another good way to avoid pregnancy. I guess. We'll see if that's on our Tinder profile on the post show. I don't have Tinder. I only have Hinge. Okay. Inges the place. Inges the place. It's just like, listen, you're right. The entry level jobs, they don't really care of investing in that. You're totally right. But in terms of a$50 ,000 management position, they're not sending someone to training or training someone up from putting someone in that position who's not going to be there three months from now.

1:05:04I don't know that. And also, I would stay there if it was good enough. Like, if it was paid enough, I would stay. I wouldn't, well, I would still probably try to get certifications on the side and still try to get better jobs. But right now, I just want to make enough money to move out. Whatever it is, if I have to move up. I think Lindsay has just typed me the least surprising note I've ever read on the entire history of financial audits. I'm so scared. And she's bi. Oh, yeah, yeah. Isn't that a theme on your show? How the girls are gay? Dude, every woman I've gone on dates with in the last few years are bisexual.

1:05:38Women are hot. Agreed. Everyone's hot. Well, I do like the women part. I don't know. But somehow conveniently, they always end up with guys. It is true, right? At least the ones that I know in my life. I have a theory for that, though. Have you ever dated a woman? Yes, I've been with a woman. Been with a woman. Yeah. Yes, I've been with a woman. I have had sexual intercourse with a woman. I've been with a woman. I've dated a woman. Is that intercourse? Are you saying that it's... I said dated. Yeah, well, I said both. I've done everything. Oh, okay. I've been with men and women. All right, calm down.

1:06:15It's not a f***ing accusation. My gosh, just asking. No, but my theory about that is the comp head. Like, when you're... What the f*** did you just say to me? Compulsory heteronormativity. Oh, here we go. Let's label it. Yeah, what are we labeling today? Well, it's the whole like straight people or gay people have to be straight or else they could be ostracized from their community or society or friends or whatever. Doesn't everyone support gay people these days? No. Dude, I'm from Utah, dude. Yeah, but you're from Salt Lake, dude. Dude. You just said. I haven't always lived in Salt Lake. I've lived all over Utah.

1:06:51Why? Well, I went to Cedar City for a C.U. I don't actually really care why, but. Fruit.

1:06:58Okay, I get it. I get it. I get it. But it is okay. Sure. It's easier to be with someone of the opposite sex than it is to be with someone of the same sex. So I think most people just choose that because it's easier. It is, but you could also just move to Austin, be the biggest gay person you've ever been, and you'll just get high fives. Well, give me a job and I'll move to Austin. No. F*** off. I'm not paying you for nut, and I'm not paying you for work either because you only know how to drive forklifts and eat b***h. And I'm great at both.

1:07:33Hey guys, always ask me, Caleb, what do you invest in? And honestly, I keep it pretty boring. Take a look at this. Take a look at this. This is my investments right here. And this is why you got to follow me on Blossom if you want to see just that. A couple of weeks back, I stumbled upon this social investing app called Blossom and thought, all right, let's give it a try. And it turns out it's actually really cool. And to be clear, they're not a brokerage. Blossom is a completely free social media platform. They're not your typical investing app. It's social, meaning you can follow exactly what I'm investing in, and you can check out my portfolio in real time and even discuss strategies with me and other investors.

1:08:12There's no guessing games, just clear transparency. So if you're curious about how I'm investing or just want to get smarter with your money, download Blossom right now, and you can follow me at Caleb Hammer. I'll be sharing my exact portfolio breakdown, investing tips, even responding to your questions. It's totally free, super simple, and way more fun than just guessing stocks alone. So hit that link below. Join me on Blossom and let's grow our money together. Seriously, right now you can actually see what my portfolio looks like today. Where do you prefer men or women? Women. Really? So, but you will let men pay?

1:08:47Okay. I'd let a woman pay. Yeah, they're probably just, that's less frequent, I assume. The likelihood of a gay sugar mama is probably insane. You could probably have an old queen, right? Well, that's usually a gay man. Yeah, if I want some dusty. Yeah. Clean it up. Get in there. Vacuum that. Okay. It's at a 13.24 % interest rate. It's not huge. Klarna. What's this Klarna? What are we doing? So there's a Halsey concert. I don't know what that is. Is that a lesbian thing? You don't know who Halsey is? I know who's here. She's a singer. She's amazing. Is she a lesbian singer? She's bi. But she's engaged to a man.

1:09:34So your theory. Proven right. And she's also, it's weird. She's never publicly been with a woman. But she's bi. Well, I'm glad we know this information about Halsey. Who's Halsey? I know Halsey from Halo. She's, I don't know, like the boy back home in Michigan. Tastes like Jack and kissing him. I'm from Michigan. I don't know what you're talking about. Well, then, I don't know. Okay, so you clarned tickets to a lesbian? Yes. Okay. So I can watch a lesbian perform and fangirl over her. And did you? What do you mean? No, it's coming up. It's not happening yet. So we're going to spend more money because transportation, you're probably going to get food.

1:10:13Going alone? Probably. Probably? There's an option to not? I have a friend that we maybe be able to go. Friend? Can you live with this friend? No, she's the one I talked about earlier. That has the dog. And how much were the tickets? The ticket? You just bought one? I don't remember how much it was. But you just bought one? Mm-hmm. Well, you owe$467.95 on Klarna. It's a pit ticket. But you don't have money. This is what is f***ing with me in this conversation. your entire ambition and goal is to move out with your what is it

1:10:51incest diddle grandma or something I don't know it sounds very rapey but it's not I guess I don't know and your therapist affirmed just call it a meshment listen all I'm saying if that's our goal we're not going to a concert what's more important a concert and moving out with grandma because these are the things we have to cut back on I said what's more they might both be important what's more important long term moving out then this is what is preventing you because every single month you are going to find the little thing that you want to spoil yourself with cope yourself with do all this and then you push yourself to that desperate point that we were talking about in this conversation you have to actually make a choice in the end do we choose living an independent life or do we choose Halsey how about Halsey for now no because this is what's preventing your debt's getting worse because you're spending more than you make If we do that forever, there is no moving out with grandma.

1:11:45How do you do it if your debt gets so substantially larger, your minimum payments are so chunky, that you can no longer afford any kind of rent, even the cheapest, even subsidized? I don't know, be homeless? It's not cute. Trust me, I don't want to be homeless. I almost was for a second. It scared me. Why, because your grandma almost kicked you out because you're just a stay-at-home-forever child? Pretty much. But I don't want to be. I want to grow up. I want to be a full-fledged human being. You know what a grown-up would do? Not go to Halsey over actually living their life. That's what a grown-up would do.

1:12:17She never comes to Utah. Why would she? Because it sucks. No one good ever comes to Utah. Exactly. Which chapel is in Utah? Imagine Dragons, right? So, right? At that point. So is country singers. An adult would choose. Oh, so you can travel eventually. Listen, and you don't even want to live in Utah. You have so much life to live. You're just not allowing yourself to get there Because you're not willing to sacrifice anything And this is just one example of many so far But it's halsey

1:12:49That's what concerns me You want to date You want to be with someone You're not willing to go on dates You're actually considering putting yourself out there In a monetary bodily way You are not able to leave your grandma's house You're choosing challenges of choices over that You are in an infinite loop of college you have done nothing but drop out, go back, drop out, go back. You won't even put your art out there, which is literally the only point of art. And you were bragging about how the fact that you came here on this show is your first, like, oh, my life isn't entirely fixed. I don't know.

1:13:20It just seems like you're never going anywhere. You're never going. I quite literally am. You say that I'm, like, going in and out of school, but I'm about to graduate. In a year. No, well, it's technically one semester. Look what you've done. Your goal for the last eight years has not been accomplished. In fact, you're further from it than ever. And you're graduating with a degree that's not going to get you into any kind of field. Well, I'm hoping that it was more of a resume booster than getting into a specific job. It certainly was in a hotter job market. Now it's more specialized. And you do not have a specialized degree for something that is hiring.

1:13:55That's why I was also going to do the accountant thing. That helps. That certainly helps. But you are spending time and money and opportunity costs. On something that is not going to get you into anything. I have, like for school, paying for it? Because I'm not paying for it. Okay, it is opportunity cost though. All that time you're spending there instead of going out and building a career. I mean, I'm still learning a lot though. Like everything that I've learned so far this year. Great, and photography. I don't give a f***. I also learned InDesign and I learned Adobe Photoshop. And I learned like.

1:14:25You learned Photoshop? Yeah. Welcome to watching five YouTube videos. This is so easy. we do this here for our job and we learn it on the fly I guess I'll just google it then from now on yes congratulations you learned the use of the internet in 2025 yeah there's more than discord on there what is this can you tell me what this is uh no cause it's upside down

1:14:56oh that's my uh home depot I did actually add the Why the f*** do you have a Home Depot credit card with a... What the f*** are you doing? It's so ridiculous. The reason why I got that one was because I was buying a drill from my grandma and the lady at the cash register was like, hey, if you get a card, you'll get$100 off. So I said yes. By the way, the car on balance, I forgot to say, was$467.95, minimum monthly payment,$93.53. Why didn't you then just... Your grandma paid you back, right? No. Well, I buy her things. Like, you know, I don't pay a whole lot of rent, so I buy her things on the side.

1:15:36You know what the buying her? You just need to buy her you getting the f*** out. That's what she would care about the most. She doesn't, why doesn't she want you there? Did we ever say that? What did she say? Well, everything was fine until my sister moved in, and then. Your sister moved in? Yeah. She also a weird emo lesbian freak? Okay. Okay. So she's a good Mormon white lady? No. She's 16, 17. Where's she moving from? From my dad's house. Why are you in this life? And you could totally be out. You could even be supporting your sister. She could be living with you if you wanted to. But you're choosing fun over that.

1:16:20Yeah. You're choosing that over actually taking care of yourself. I don't know. I don't understand why you have an active store card for the store you work at though it's just so silly it's because they literally gave me the$100 on I'm going to cancel it soon okay good cancel it but you still have a balance on it's only$78.29 minimum monthly payment is$17.53 I just they usually buy things that I need like totes you don't need anything sorting stuff what are you sorting Well, I wanted to sort everything in a tote. So when I move out, it'll be a lot easier. Yeah, when in 30 years? I don't know. When your grandma dies?

1:17:01Like, I don't know. How old's your grandma? What's her health? She's 73. She's really healthy. Well. But she's 73. She's not as healthy as she was. Because she's 73. Yeah. She got heat stroke. That's why those things are in my cart. So the wide brim hat and the towels were for her. Listen, the thing is, it's just like, what do you, if she does that, what the fuck do you even do? because you can't support yourself now. You can't move out even though you want to. Huh? Crying? That's not an answer. Listen, it would be sad. It would be a sad day, yes. What the f*** would you do? This isn't my game plan, and I'm not relying on this.

1:17:37You don't have a game plan other than sucking dick. I don't want this put on the internet. Well, then we're not talking about it. Okay. I'm sorry. If you can't say it in the show, then we can talk about it afterwards, but this is like, meh. So I just don't understand how you would survive right now I can't And I hate it and it f***ing sucks And I'm trying to do everything I can to do that No you're not You f***ing absolute creature That is a lie You're choosing the concert You're choosing hundreds of dollars of going out to eat That is a f***ing lie And you lying to yourself is not helping you Don't buy her food Well that's part of like me kind of paying rent is I pay for her food.

1:18:23Did she require it? I mean, no, but I... Then stop! If you want to get out and she wants you to get out, then f***ing stop. You're lying to yourself. Stop. Stop it. This is ridiculous. Okay, what the f*** is this? Tell me what this is. Oh, that's for my medical bill. One of them. Okay, so remaining amount...

1:18:49$390.49 with a minimum monthly payment of 130.16. Oh, wait. Okay, yes, that's the most recent. Okay, how long have we had this? That was from the surgery, so... What? I thought your surgery was paid for. No. Well, the car, remember my car broke down and I got a concussion, so I missed a bunch of work and I had to pay, well, I paid to fix my car and then I had to get a new one because I couldn't afford the rest of the repairs. Are you okay? You didn't need to have the surgery yet because you weren't f***ing anyway. Well, the surgery was the only part of that that was planned. Yeah, but could you have canceled it if you didn't have the money?

1:19:32I didn't want to wait. Why? You're not f***ing you. You haven't f***ed. Because I... You haven't been on a date in a year and a half. Are you scared to go on a date? A little bit, but no. A year and a half is a long time I still have talked to people I've had other friends in that time That I'm not as close with now I didn't say you didn't have friends What are you talking about? I still have people I talk to Romantically? Well I have Hinge I've talked to a few people But you haven't met a human No not yet This makes no sense Oh, f*** this car is insane A$20 ,000 debt in your situation? That's insane That makes no sense That makes no mathematical sense How did they even approve you for this?

1:20:23It's f***ing crazy What is the interest rate on this? It's either 3.6 or 6.3 I can't remember That's a big difference Well, I can't remember It's one of those Well, one, I would say Minimum monthly payment until it's paid off One, we might try to pay extra on it So it's pretty important Well, but you probably shouldn't if it's only 3.6. I think it's 3.6. I remember being really good. Or is it 6.3? I don't know. Tell me. Really good. How the f*** would I know? Is it not on there? No. Oh. Or else I wouldn't have asked, lady. Sorry. I just assumed it would be on there because that's relevant information.

1:20:58It sure is. I don't know why you didn't call or go online or figure it out. Listen, we have, what is it, it's for a Ford EcoSport? Yeah. Okay, I don't even know that car. So you owe$19 ,968.54, the minimum monthly payment of what? $406. How the f*** would you ever be able to survive? How the f*** would you... Hold on, maybe the loan part is at the bottom of this statement or something. I might be able to see more.

1:21:41It's at 5.74%. So neither of what you just said were correct. So I... No, that makes no sense. I don't know how I got that so wrong. Neither do I. And it's$450 a month. Okay. It's supposed to be$400, not$450. Okay,$400 then. You're paying$50 extra. It's a weird interest rate where it's like not great, it's not bad. But if you're like taking depreciation and everything with it, But it's going to, it's not competing with the market. It's estimated to be around$11 ,000 value. So you're underwater by$8 ,000, which is insane. There's no way to get out of this for you at that point. When I left, I felt a little bit scammed from the dealership.

1:22:27Yeah, no shit. Why'd you get it then? Because I really needed a car. Why'd you need that car? It was, so I looked on one at Carvana and I looked at a Ford EcoSport and then I found out Carvana is kind of a scam also. It's not great. I mean, there's no negotiation. There's no nothing. It's all f***. Yeah. This is high price bullshit. So I went to a dealership, looked at a car and it wasn't exactly what I wanted, but I found that car at a different dealership. And because it was already kind of what I was going to buy on Carvana, I ended up getting that one. How can you, this makes no sense. This car payment alone, you don't even have rent.

1:23:02is through your summer paycheck, 24 % of your income. That's your summer. That's your higher paycheck. That makes no sense. It's a really nice car, though. Shut the fuck up. Can't go camping in it. If you have time to camp, you should be fucking working and being able to live on your own. Or if you can go camping in it, go live in that. I almost did, actually. I almost bought a trailer from one of my cousins, but he tried to oversell it to me. Your cousin? Oh, my fuck, I hate your family. this makes no sense savings$97 you do have a CD a youth CD as a 26 year old yeah I don't know why they let me do that I think it's because my that money if it was sitting in the market since the recovery man you would have made so much more doesn't matter vending machine vending machine vending machine vending machine vending machine vending machine vending machine vending machine vending machine Vetting machine VắmFWoD V disad Maxi�e

1:24:06Business vending machine Uh, Geneva Rock Vending Machines Geneva Rock vending machine Geneva Rock vending machine Geneva Rock!! What you doing? What a joke 108 dollars бел during vending machines Venomachine. Venomachine. Venomachine. Venomachine. Venomachine.

1:24:32What a joke! You want to move up? No you don't, you want the photo Patreon blogger's forum, your company? Your machine Museum, a fu estad of hit. There's tons now. Google Dumuuuuuinal. The notes Renaissance watchdog's. dominant watercolor and干on, Startình up getting it and they don't fight it. Open machine. What a joke! Winamachine. Venamachine. Venamachine. Vending machine, vending machine, vending machine, vending machine. You want to move out? No, you don't. No, you absolutely do not. Shut up. What a joke. Look what you're choosing. What a fucking stupid joke. You have no desire to move out.

1:25:03Well, if people would stop stealing my food out of the fridge, I wouldn't have to use the vending machine. Talk to a manager about it. Stop being a crybaby. Shut up. $400 in here, then$1 ,800 in retirement. Shut the fuck up. And the vending machine charges you a fee every single time you use it. And is this Mountain Dew? Oh, you disgusting weirdo. A horrible Mountain Dew addiction. Do I already know what to do with you? You're so lost. You're already considering going to fucking prostitute at that point, which I wouldn't recommend. It's not cute. It's not good. And it shouldn't even be considered.

1:25:37It's not good. I would rather you do OF than that because at least it's just pictures and not something physical. Yeah. I'm not joking, and I'm not even advocating for that specifically. You're not a credit card person. then I wouldn't use a credit card for you. I do the Fizz card. It's a debit card that builds credit. And also at that point, I'll also get you connected with Sondermine. So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. or let's do a little research.

1:26:20Get your head in the trade and make the investment decision that's right for you. Learn more at finra.org slash trade smart. Good for therapy. They use it. All the guests use it on the show. You might get a better therapy that doesn't just enable your weirdness and just horrible tendencies.

1:26:41Your debt minimum monthly payments are$696.22

1:26:49That's insane What was it? I was laughing about the thing $696.22, which is 41 % of your income You're never going to be able to move out You say you're going to move out, it's mathematically impossible That makes no sense, your income is$1 ,700 Okay So you pay nothing in rent utilities or anything right? I do Well not right now because of my concussion and everything It's been paused Is that why? A little bit yeah Also Twitter's going to come for you for that What? I goon every episode I throw every slur and degenerate joke And every crazy thing out there I have an audience that has moved past The weird 2021 pearl clutching Jacking each other off online The people that will come after me for that are.005 % of the audience, and they have no impact on me, no matter how loud they are.

1:27:43So f*** you. I get to have fun and have a good time. You've grown beyond the censorship. Yeah. Okay. I mean, how do you make this math work, honestly? Hey, this is not girl math. That's infantilizing. Okay. Okay. Not really an answer, but... Uh, you're, once your rent picks back up, how much is it? Uh, well, altogether like 300. And when is that meant to stick back up? Uh, well, I'm, I don't know. I think she just wants me out. So I think she might not want me to pay for it again. Am I allowed to call her in the post show? No, she would not like that at all. I don't care. But okay. Okay. So maybe, uh, I'll, I'll cross that out for now.

1:28:34How much gas? a month? From Drive Drive? Not very much. I only fill up like 30. How much gas a month? A month? Yeah. Car insurance? I don't go anywhere. I pay every six months and I pay like$600 something. Call it$650 I guess. Yeah, I think it's like$675. We'll budget in$109. Okay, phone bill? $66 and some change. That's not horrible. TP, phone, anything else you need to survive? $100. Groceries, food? $300. Use the budget-friendly the cookbook, you get a copy. Remember, you can get the copy signed by me because you can't purchase it anywhere else. You just have to sign up for the dollar wise budgeting app annual version, but go ahead and take your free trial now and give it a test first.

1:29:17Okay. And medical healthcare. I mean, you're endlessly broken. So how much? I don't know. Like just copays and stuff. Do you have copays and what on? Yeah, but I chose the higher insurance. How much? I don't know, like 50. Does your higher insurance come through work? Yeah. Okay, so 50 and co-pays. Gotcha. Jim? Yeah,$26. Do you actually use it? Not as much as I should, but yeah. Okay. $26 subscriptions. I'll give you 15. You have a cat. One. Ages and health? Six and 10. Okay, 10. No. How about the six-year-old health? Actually, 10-year-old, there's a lot of insurances that allow up to 20-year-old cats, so they both have insurance.

1:30:00It's$103 a month, I think. Okay, what about cat food?

1:30:07$60. Anything else that needs to be in your budget that I have not taken into account? I don't think so.

1:30:18Technically, you have wiggle room. $1 ,560.22. Obviously, our priority is moving the f*** out more than paying off debt, which is a rarity for this. but$1 ,700 but$1 ,700 is only during summer so I don't think you have the wiggle room without that and it's not like I can put in $139 for rent so it doesn't make sense so that's not the wiggle room anyway honestly what I might consider doing for you is to get rid of that $696 the best we can except most of it's actually the car so it'll only get rid of $296 I was going to suggest maybe bankruptcy after you change your behavior What can we do? What can we do?

1:31:01You're a complicated case because it's a weird life situation And no, I honestly really Please do not For money I know, just please don't But if you do, be safe That's all I'm saying That's all I'm saying I don't want to end up on Dateline I agree

1:31:25696 You know, I've seen your feed this whole time. Are they nice? Yes, they're very nice. Thank you. I've been seeing them under this table this whole time. At least that's flattering instead of being like, Caleb, pay me and I'll suck your dick. Shut the fuck up.

1:31:43I'm drawing a little blank. Sometimes, and this is what's a little weird to you guys out there in the audience, is, I mean, obviously to you guys, this is edited, all this stuff. To us, it's just live. We're sitting here and my brain is having a brain fart and that rarely happens in terms of this situation. So what I'm actually going to do is I'm just going to pay for you to sit down with Reed. He's a guy we work with. He's kind of our financial guy in the company. He's also a CPA. So we'll pay for a session for him to break all this down and come up with a solution. Because right now I'm thinking about bankruptcy.

1:32:15What we're trying to achieve is getting you out of the house. But if we get rid of the debt except for the car that only gives us an extra$2.96, That plus the$139 you got plus lower income in a couple months isn't going to get us rent. So really, the reality is, what do you need to do? Maybe go through bankruptcy if you change your behavior. Maybe give up your car in a repo and just ignore that and just go save up$8 ,000 as quick as you can before moving out. get an 8 ,000 hour car in cash that you get mechanic approved, multiple mechanics. This is so much easier said than done, but I'm just trying to come together with some kind of picture.

1:32:59You have that, then you go work 70, 80 hours a week, and then you save up enough for a security deposit and maybe even take out some student loans to help cover rent for your last year of college. Like, I don't know. I didn't realize I was that fucked. Oh my God. It's because you have no wiggle room. And if what you're trying to accomplish which is what I'm trying to solve for, it's hard. If you're able to stay at home forever, it's an easier solution. We put this towards the debt, you pay off debt, then we graduate. But we're trying to get you out of the house immediately. So that's where it's difficult.

1:33:32So the reality is you just need to go work more than you've ever worked in every job you can possibly find, and potentially just let all this shit go to collections and just go and save up$7 ,000,$8 ,000 and get kind of a shit car, but one that will be safe.

1:33:49And that's kind of it. And f*** your credit for a while. But if your true goal is to get out of the house, my answers are always based on the goal of the individual unless their goals are completely wrong. But I agree with you and your grandma to a certain extent. I don't have to move out immediately, immediately. It's just more of an as soon as I possibly can. She wants to, and you've been trying to for years, and you also want to. And she might kick you out, right? Not now. Not anymore. Okay, then stay there as long as we can. What I would do then, if our goal is still to move out, if we try to get 8 ,000 hours go ahead bring in an extra 1 ,000 hours a month by working as much as you can save up 8 ,000 hours as quickly as you can 10 ,000 hours as quick as you can maybe just let this debt go your credit through your mid 30s whatever unfortunate but maybe you do that and you go get a 10 ,000 hour car in cash but then that's going to be so hard to get an apartment my credit right now is 716 yeah because this isn't like you're not maxed out or anything that's not the thing I don't think I've ever made a late payment Again, it's not about that.

1:34:49It's about getting you out of the house. And right now, you do not have the wiggle room. Listen, maybe you can get out of the house and you go bring in an extra thousand hours a month by working a billion hours. And you use that to pay for it. And we make very slow debt payoff progress. You can do that as well. You can do that as well. So prioritize moving out over debt? I don't know. It depends where you are in life. You have to choose. You can prioritize paying off debt. You can prioritize getting a car and going to bankruptcy. You can prioritize and repose. or just through bankruptcy fully.

1:35:18Or you can prioritize moving out. Those are your choices. It's what you choose to go from here. Okay, let's get your hammer financial score because it's really just from there. This is what you want to do. And then we can prioritize all of them. Guys, join us in the post show. We're going to go through a dating app. We're going to also get some more tea that would either get us demonetized or the guest just doesn't want us to share in front of the paywall because it's just too inappropriate or sketchy or whatever. so it's just easier behind the membership. But go ahead and join Hammerly for a bunch of new shows, thousands of hours of extra content.

1:35:50It's the greatest membership on the history of this platform, and it is the second largest on the platform in just a year's time. So it is definitely worth it. Let's get you your Hammer financial score. Spend it in a budget. Oh, you have a response, so 0 out of 10. Debt? The card debt's really bad for your income, so that's going to bring it down, unfortunately, to 1 out of 10. That's more to income base. Your emergency fund? There was like$1 ,000,$2 ,000 across everything. The other CD, I'm not going to consider emergencies. Actually, one out of 10, we'll put that towards retirement, which is also very low with where your income's at.

1:36:2326, I'm going to give you, I'll be generous, three out of 10. Real estate, zero out of 10.

1:36:35Hammer financial score, one out of 10. Make sure to download the DollarWise budgeting app and join DollarWise Central for all of our education. I'll see you guys in the post show. Did you come on here and actually have an attraction towards me? What do you mean? Like, are you attracted to me? Yes. Whoa. So you're open to just f***ing. We will be reviewing your dating profiles. Yeah. So these pictures are bad. Pictures are bad? They're horrible. You're using Snapchat filters. We're only one picture in. Come on, two. I'm going to think you're like 600 pounds. I like, like, dom and sub stuff. Oh, you're a freak.

1:37:08I like being dominant. I mean, that's one of my things. Yeah, that's kind of like the whole thing, yeah. Exclusive members content. Click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content. Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you. Or even this tea time you. Said you hear about Dave. Or even tea time, tea time, tea time you. Mmm. So update on Dave.

1:37:46It's up to you. We'll take the laundry. Rinse. It's time to be great.