Wannabe E-Girl Made $0.52 Last Month | Financial Audit

11 Mar 2026 · 1 h 34 min · 39 chapters

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Financial Audit Podcast Episode Summary

Episode Title

Wannabe E-Girl Made $0.52 Last Month | Financial Audit

Podcast Overview

  • Host: Caleb Hammer
  • Theme: Personal finance auditing with guest appearances to discuss financial habits, incomes, and expenditures.
  • Guest: Raina, a 26-year-old streamer and car wrapper from Central Tennessee.

Episode Description In this episode, the host Caleb Hammer conducts a financial audit of Raina, who claims to be an influencer but reveals questionable financial practices and income levels. Caleb critiques her spending habits, her income from streaming, and her reliance on family support.

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Key Discussions

Introduction

  • Caleb introduces Raina, highlights her financial struggles, and establishes the premise of the audit.

Job & Income

  • Raina claims to be a full-time streamer for three years.
  • Her current income includes:
  • Streaming: Reported earnings of about $450 last month.
  • Wrapping cars: $4,000 earned so far this year.

Spending Habits

  • Raina spends significantly on lifestyle and self-care, including:
  • $300 on Starbucks.
  • Car expenses leading to debt and car repossession.
  • $3,000 on hair extensions and various subscriptions (Twitch, Instacart, etc.).

Critique of Influencer Lifestyle

  • Caleb expresses skepticism about Raina's brand and influencer status, emphasizing the disconnect between her self-perception and reality.
  • Raina acknowledges that she has lost viewership and engagement over time, attributing some of this to personal branding changes (e.g., changing hair color).

Financial Consequences

  • Raina has accumulated approximately $20,000 in debt, including collections from various creditors.
  • Conversations with her father reveal enabling behavior that has contributed to her financial irresponsibility.

Career Aspirations

  • Raina expresses a desire to become more successful in streaming and car wrapping, despite Caleb's insistence that she needs a more stable job and career direction.

Family Dynamics

  • Raina's father supports her financially, which Caleb critiques as unhealthy enabling.
  • Suggests that without her father's support, she would struggle to manage her finances.

Conclusion

  • Caleb concludes that Raina's finances are in poor shape and that she needs to take responsibility for her spending and find a stable source of income.

Key Takeaways

  • Financial Responsibility: The importance of managing one's finances, especially in the gig economy.
  • Reality Check for Influencers: The gap between perceived and actual success in the influencer space.
  • Debt Management: Understanding the long-term impact of debt and the importance of making timely payments.
  • Parental Support: The potential downsides of inadequate financial independence due to family support.

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Final Thoughts This episode serves as a critical reminder of the importance of financial literacy and responsibility, especially for young individuals pursuing non-traditional career paths like streaming and influencing. It emphasizes the need for a stable financial foundation over fleeting internet fame.

Written by AI. May contain mistakes. Listen to the episode to check what was said.

Chapters

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Living Expenses and Streaming Career

1:44 to 2:55

Explore Raina's cost of living and her dual career as a streamer and car wrapper.

“Tennessee's cost of living has certainly gone up over the past couple of years, especially central because I know like east is and west is like scary and don't go there.”

Career Challenges and Streaming Success

2:55 to 4:52

Raina and the hosts discuss the challenges in her streaming career and her following.

“I will be very surprised if you haven't seen this, to be honest with you.”

Earnings Breakdown: Streaming vs. Car Wrapping

4:52 to 7:19

A candid look at Raina's earnings from streaming and car wrapping.

“And then I wanted to be more like get away from it.”

The Reality of TikTok Fame

7:19 to 8:12

Raina discusses her TikTok following and the financial implications of her content.

“Because I started working at a car dealership.”

Financial Struggles and Future Prospects

8:12 to 14:00

Exploring Raina's financial struggles and the future of her career in streaming and car wrapping.

“You're too close to it gets a thousand views a video.”

Discussion on Rent and Income

14:00 to 14:50

Exploring how the guest manages their rent and financial situation.

“How are you paying your portion of rent?”

Income from Content Creation

14:50 to 15:40

Delving into how much the guest earns from their content and donations.

“No, anyways, what were we saying before you brought up my scrunching?”

The Reality of Appearance and Income

15:40 to 17:10

Examining the pressure and expectations around maintaining a wealthy appearance.

“You told Colton that you like that your fans think you're rich.”

Critique of Content Quality

17:10 to 18:30

Discussion on the quality of content and the need for a career shift.

“At least that one's almost like a bra picture, but this is like so fucking nothing.”

Debt and Financial Management

18:30 to 20:20

Addressing the guest's debt issues and the consequences of inaction.

“It was his dream for me to be a streamer.”
Show all 39 chapters

Income Breakdown and Financial Issues

22:54 to 24:19

Discussing the guest's income sources and tax filing issues.

“I'm glad we're subsidizing her to do nothing.”

Content Creation Aspirations and Reality

24:19 to 26:18

Exploring the guest's ambitions in content creation and the reality of success.

“They said she needs to go on financial out.”

Fame and Identity in Content Creation

26:18 to 28:00

A discussion on the guest's desire for fame and the impact of social media.

“He just like, we just have that relationship where it's like.”

The Illusion of Fame

28:00 to 30:14

Exploration of what fame means and the misconceptions surrounding it.

“I don't know how to make it through this conversation because you're so gone.”

Financial Reality Check

30:14 to 31:30

Discussion on financial struggles and the necessity of a reliable income.

“What the f*** is going on when I'm having to cut millions of dollars of taxes a year and we're subsidizing this creature?”

Career Path and Confidence

31:30 to 36:37

Debate on the importance of traditional jobs versus aspirations in the influencer space.

“Like what is happening in your life right now?”

E-Girl Persona and Content Creation

36:52 to 41:41

Discussion on the e-girl persona and its impact on social media engagement.

“I want you to go back to the, how long were you at this car dealership as an assistant manager?”

Discussing Financial Losses

42:00 to 42:20

Learn about the struggles and realities of financial losses in personal assets.

The Challenges of Budgeting Apps

42:43 to 43:54

Understand the reasons why many struggle with budgeting tools and apps.

“Get that$350 right now in your checking account.”

Navigating Personal Branding as a Streamer

44:00 to 46:33

Explore the intersection of personal branding and e-girl culture in streaming.

“I just don't want you to think there's other reasons why there were views.”

The Reality of Success in Streaming

46:33 to 47:16

Discuss the harsh truths about success and visibility in the streaming world.

“Does he know that you likely will need to sew cheeks to be famous?”

Financial Dependency and Personal Responsibility

47:16 to 51:41

Delve into the implications of financial support from parents and partners.

“If you look at the successful women, that's what they're doing.”

A Candid Conversation with Family

51:41 to 54:50

Take a look at a frank discussion about financial habits with family members.

“You think you're the only pink haired girl?”

Exploring Life Skills and Financial Independence

55:04 to 56:00

Understand the importance of acquiring life skills for financial independence.

“No, I think he's talking about the credit cards.”

Concerns About Life Skills

56:00 to 56:40

Discussing the lack of life skills and support in relationships.

Streaming Struggles and Industry Insights

56:40 to 58:50

Examining the challenges of streaming success and industry norms.

“Even, wait, better off even just leaving her guy and moving in with you?”

The Importance of Career Choices

58:50 to 1:01:20

Debating the need for stable careers over streaming aspirations.

“only ones who are successful i don't want her to do that i'm actually telling her i do not want her to do that but the thing is because she doesn't do that she's probably not going to be successful and that sucks.”

Financial Dependency and Concerns

1:01:20 to 1:03:20

Addressing financial dependencies on parents and partners.

“And then I will have money and I'll take care of the family.”

Discussion on Bankruptcy and Financial Behavior

1:10:03 to 1:10:51

Exploration of bankruptcy and its implications on personal finance.

“entire life including that viral thing you got before and guess what yes what how dude i saw $750 ,000.”

Jobs, Loans, and Life Choices

1:10:52 to 1:12:26

Conversation about past job attempts and the consequences of dropping out.

“It's happened on the show multiple times.”

Debt Accumulation and Self-Awareness

1:12:27 to 1:13:30

Discussion on accumulating debt and self-awareness of financial status.

“It's a debit card that builds credit if you care about your credit.”

The Reality of Financial Dependence

1:13:31 to 1:16:04

Exposing the consequences of financial dependence on parents and partners.

“You're borrowing from dad for everything.”

Medical Bills and Insurance Confusion

1:16:05 to 1:18:40

Understanding medical bills and the confusion surrounding insurance coverage.

“If people have student loans and mortgages, it's higher.”

Parking Tickets and Financial Choices

1:18:41 to 1:22:18

Examining the financial burden of parking tickets and personal choices.

“figured out i went i lost the figure out what your brain that's what i'm trying to say oh no what are What are you saying?”

Streaming and Financial Management

1:22:19 to 1:23:38

Discussion on streaming expenses and the impact on financial stability.

“Oh, there's always somewhere else to park.”

Exploring Financial Habits

1:24:00 to 1:25:17

Discussion on spending habits and financial decisions related to daily expenses.

“Because I was having a lot of people call me and it turned out to be one of my brothers.”

Budget Breakdown and Lifestyle Choices

1:25:18 to 1:26:44

A detailed breakdown of monthly budgeting, including rent and utilities.

“We need to kick you out of this country.”

Assessing Monthly Necessities

1:26:45 to 1:28:16

Conversation about necessary expenses and how to manage them effectively.

“Your car insurance, I'll put$150 because you're about to get it.”

Confronting Overspending

1:28:17 to 1:29:03

Discussion on the consequences of overspending and a critique of financial habits.

“This is like, this is, oh, you have negative two in your savings.”
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Transcript

Automatic transcript. May contain errors.

0:00Thought Sweetgreen was just salads? Think again! There's a new way to do Sweetgreen. Wrapped and ready. These handheld wraps pack bold flavor and 40 plus grams of protein into something hearty, satisfying, satisfying, satisfying, and built for sweet green. To watch episodes of Financial Audit a week earlier, check us out on YouTube. We have a talent manager? What does this mean? Yeah. How do you pay your talent manager? You don't make dick. He takes a percentage of my earnings. A percentage of 52 cents? Why? The more money I spend on myself, the more money I make. You don't make any. From the views and everything I'm seeing, you likely don't have a talent.

0:52I'm talented. Okay, yeah, not a talent that people are interested in. Call your dad right now. Hello? Papa. Listen, you're a liar and a cocksucker.

1:29So this is literally your last chance. Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below. Hi, I'm Raina. I'm 26 years old and I live in central Tennessee and this is financial audit. Welcome down to Austin. Happy to have you. Tennessee's cost of living has certainly gone up over the past couple of years, especially central because I know like east is and west is like scary and don't go there. You'll get shot, but well, I lived in West Tennessee and you're lucky you're alive. So what do you do there for a living?

2:04Um, I'm a streamer and I wrap. You work for Ramsey. Huh? Huh? Ramsey or like daily wire or like money guy. No, I stream. You stream on your own. Yeah. Yourself. Yes. Yes. Good. And something, you said something about cars. I wrap cars. Oh, is that the one that pays the bills? Well, I mean, I just start. Which one pays the bills? I just started the wrapping. So like, I guess it's in there. But I'm like. How long have you been full time streaming? Like three years. Wait, what the fuck? I've never heard of you. Do we know this person? You've seen me before. There's no way you haven't. Show me something I would have seen before.

2:43What was the big viral thing? Yeah. Okay, I'll show you. Yeah. If you're knowing. There's no way. I mean, you're anonymous right now because we don't allow people to plug shit. And we're protecting people. but like, yeah, let's see what's going on. Okay. I will be very surprised if you haven't seen this, to be honest with you. We got an ego. That's not an ego. It's just like reality. Oh, it's not coming up. No, I swear. Hold on. Wait. No, I just searched it wrong. That's curious. Hey, what are you doing? That's my girlfriend. I'm skipping you. Bro, what are you talking about, bro? That's literally my girlfriend.

3:24You know this guy? I don't know. What are you doing with this guy? I don't know him. Wes knows this. You don't know me. What does that even mean? Put this video on screen right now. I've never seen this guy. You were literally just at my apartment an hour ago. You said you went to go get your nails done an hour ago. I did get my nails done. This is real? No, it's not real. It was a skit. So what the f*** is all went viral? Yeah. About like twins f***ing something? Is that what it was? No, it was like. What is it? It was like, hey, like you're with my girl. and it was like, no, that's not your girl.

3:55That's my girl. And then he FaceTimes his girl. And then you fell off? What do you mean? And then you fell off? Well, I didn't post that. That was his page. I got 200 ,000 followers. Okay, hold on. We actually have something here.

4:10On TikTok. You don't give me any views per post though, do you? I just changed my niche. You just sit in your car. What's up with women in cars? Listen, I do. They always sit in cars and they do like a rant and then they get no views and then they cry. I do the lip syncing videos and then I tried to stop doing that, but that's what really pushes the views for me. So I guess I can't. There's a car rap video. Yeah, I rap cars. Okay, those thighs are crazy. Okay. Now I understand why the views are gotten. I think we understand it. Okay, Instagram, 311. That's not my actual account. I'll give you my other phone.

4:45What? What is happening here? What's the difference between this phone and that phone? This was supposed to be like my social media phone because it was like, oh my God, I spend so much time on social media because I have to work all the time. And then I wanted to be more like get away from it. But this is better. Oh,$28 ,000 on Instagram. Okay, so you're not OFing. No. This is interesting. Okay, you have a Model 3. I'm in your Tesla app. No, that's the rental that I got for today. Oh, okay. Do you make money? I'm confused. About what? I'm trying to look at your shit. Let's see what's going on here.

5:22I got to know. I got to know what's happening. Last seen 13 hours ago on Twitch. Fan fix. Ladies and gentlemen, we got them. Yeah. What's that? I mean, I know what it is, but what's going on? Well, I just post like selfies on there because people really like to see just me because I have so many followers. They like to just have extra content. You post on Twitter. You have a Twitter link. I don't post on Twitter. Okay. You can go to my Twitter, but I don't use it. Nope. One post. Okay. What is going on? I'm so confused. I just, I. Like, is this an actual career? I mean, okay. I guess I should ask.

6:03What? What's the. Okay. Okay. Your stream duration was four hours yesterday. Oh. All right, Brandon. As someone who goes live on Twitter, are you ready? I think this is answering our questions. We're five minutes in. Sorry, ladies and gentlemen. and I'm trying to figure this out.

6:24Average viewers was 15. Okay. That's a lot. Being in a room with 15 people though. Like that's a lot of people. Not for making a living. Okay. So it. I mean, that's worse than iDubbbz and no one does worse than iDubbbz. I don't know who that is. You've never been on the, oh, you, how, this is your career? Okay. what are you what the fuck are you talking about unlock the shit unlock the shit you got no views how are you making money that's just I'm making money you said that's your career fine then tell me how much you make well um you gained a follower I had to I took a little break but I was making like three to five thousand a month at first well even still it's like central Tennessee that is kind of hard but go on okay last month I made 450.

7:21I just started ripping cars. Professional streamer. Professional streamer. Listen, I don't even know. Bro. I don't even know how much. What the f*** is happening. I don't even know how much I make. What a lie. What a f***ing lie. Come on. How long was your break? Why'd you take a break? Because I started working at a car dealership. And why'd you do that? Because I was like, oh, hey. Because you weren't making f***ing money. Probably, right? I don't. I really don't know how much I make. Stop the cap. What? Make that make sense. What the f*** does that mean? Even though my Twitch revenue is not there, I do sound promos.

8:01What is a sound promo? Record labels. Sounding? Promos? What is a sound promo? Record labels pay me to post songs on f*** talk. You're too close to it gets a thousand views a video. I used to get like 50 ,000 views. Okay, you get a thousand. Okay, now I haven't had a sound promo in a minute, but people cash out me money and they just send me money sometimes. Okay, first of all, I mean, I'm just, this isn't fucking ego boosting. It's not like, yeah, let's just talk real analytics. I mean, 50 ,000 on TikTok is nothing. That's a failed video. That's a flop that went to nobody. That's 50 ,000 people.

8:36Not really though, because it's not 50 ,000 watches. They like saw it for a second and they swiped. If it only went to 50 ,000, people were just swiping through. true but but got the views you know kind of and i mean maybe people are dumb enough to pay for are those freckles real no it's henna uh-huh now i'm starting to understand your entire yes you are attractive well i have 200 ,000 followers 200 ,000 followers that don't watch you no they do i just don't pop up on my for you page but when i'm there they pay attention to me they just they They pay attention when they see me. That's how that works, by the way.

9:15If the content's not good, it doesn't get on anyone's For You page. Welcome to the algorithm. Well. The algorithm's meant to keep people terminally online. That's why we go live. To your 15 viewers. That's on Twitch. I go live on TikTok too. Give me your phone again then. That's right here. Give me your phone again. I'm going to screen record, just black out her shit because I'm not letting her plug herself. I know when a woman like you, there's probably a lot of things on this phone anyway. Okay, TikTok studio. What? What do you want? I'm just confused. You're losing followers. Well, I told you I'm switching.

9:51I'm trying to switch my content. Estimated pay previous seven days. Can we have a guess? Wes, yell out a number so that Mike can hear you. On her TikTok. Can I guess? TikTok, previous seven days, pay. Let's say 70 bucks. Can I guess? Let's do seven days. How many? $15. okay yell at Colton TikTok what do you think she's made in the last seven days last seven days I'm going to say two bucks I'm going to say $1.50 okay 56 cents I'm not posting minutes over or videos over a minute long ago you backtrack so hard like how are you making a living on this show you're not sound promos you said you don't do it anymore remember when you said you get 50 ,000 a post you used to.

10:39Now you're only getting $78 ,000 a week across the border. That's a lot. No, you have fallen off. I don't think so. To be very clear. I mean, it's whatever. Like, I'm not, we're not trying to like. I also dyed my hair brown and that really tainted it. Well, not now. Well, I had to go back to the pink. When did you do this? Oh, wait, no, it was blonde. No, you haven't done well since May of last year. You fell off. No, that's not true. I have your literal, they're on screen right now. They're literally on screen. I thought you were looking at my posts. Huh? I thought you were looking at my posts.

11:10I was going to say I privated a lot of my posts. Why? Because I was just like. Your profile views are down. Comments are down. Likes are down. Shares are down. Well, I made 150 TikToks in the plane and then in the Tesla. So I know those are going to do good. No, that's not how that works. You're. They literally look so good though. My pink hair with the white interior. So your quantity over quality. The more you post, the more likely you are to get more views. Or the better content you post, the more likely you are to get more views. All I have to do is lip sync though. To get your$50 ,000? Okay, okay, okay, okay, okay, okay.

11:39To be clear, the best you've gotten was$4 ,000 to$5 ,000 a month. That's going to be hard to survive. I'm glad there's a guy in the picture, or else I don't know how you would be. How long have you guys been together? A long time. We've lived together for two years. And does he pay the bill? We're on our own like one year now. Does he pay the bills? We split, kind of. It's not really 50-50. Like whenever I'm on, whenever he's up. On where? Twitch or TikTok? TikTok? Oh. No. Yes. I average more viewers on TikTok Live than I do Twitch. Everyone does because TikTok will just shove it in everyone's face and you still got practically nothing.

12:18Like 50 to 70. Okay, I see you have the brown hair, but you haven't had brown hair on fucking TikTok in a second, dude. Blonde. It was the blonde. Okay, but you've been on pink for a second. Yeah, I think the issue was that I changed it so much. Are people there for that or are they there for these? I don't do full body videos that much. It's my pink hair, I swear. That's like my brand. That's me. Okay. Your brand. Yeah. 15 viewers. I'm criticizing this because you told me you're a professional Twitch streamer. Yeah. No. I did a 36-hour stream and I made 3 ,000. This isn't criticizing them because they're grinding.

12:57Well, actually, Brandon doesn't stream anymore anyway. So either way, but Tyler does. Our boy Tyler. He gets like 40 to 50 concurrence a stream. And I love him for that. I love Tennessee streaming. Every day. Well, yeah, I can't do that. Why? Because I'm wrapping cars. Okay, how frequently? I have two cars at the shop right now. And then I also... You have a talent manager? What does this mean? Yeah. How do you pay your talent manager? You don't make dick. He takes a percentage of my earnings. A percentage of 52 cents? No. So he'll get me a sound promo with like a record label or like an independent artist.

13:33But you said you don't do those anymore, so he's not getting them. No, he hasn't been. Because you don't make money for him. I've made him money. You need Botox. For my wrinkles on my forehead? Yeah. Yeah, I know. Protecting you, girl. It's fine. But. I'm a guy's girl. I'm literally saving for it. I'm helping you out. I'm saving for everything that I want to do. Well, shit. No, don't do that. You can't afford it. You can't afford life. I shouldn't have said that. I'll be able to afford it. I shouldn't have said that. How are you paying your portion of rent? Are you? Do you have a portion of rent?

14:03Yeah, it's half. What? How much? Well, like, yeah. The full rent, I think, is$1 ,900. How are you even paying half, though? Okay, so what are you making with the car part that you just took over? I don't know how much I make. Oh, my goodness. Have you never looked at your accounts? I have, but there's just so much going on in the accounts that it's so hard to keep up. Like, I know with wrapping cars, I've probably made like$4 ,000 so far this year. and then I also have more cars sitting at the shop that I have to finish and then also get paid for those. You scrunching your forehead, dude? Dude, I can't help it.

14:38Listen, I don't think about this for most guests but you're on camera for a living. Well, shit, actually not really. So nevermind. No, keep going. Keep scrunching. It doesn't matter. It doesn't matter. That's fine. That's fine. No, anyways, what were we saying before you brought up my scrunching? Well, I like how much money you make. Yeah, it's somewhere around if I were to guess how much I'm making a month I would say$3 ,000 to$4 ,000 because we have to also consider the cash apps, the donations. And what is that, donations? From the 15 people? Yeah. What do they get for it? They get to see me.

15:15What's on your special little naughty page? You want to see it? I guess, yeah.

15:23It's not a naughty page. You're literally going to open it and be like, oh, who pays for this? But I love it. And I'm guessing the answer is like one person. No, I have like 60 subs on there. What? Oh, that's another thing. Yeah, fanfics. I make money from that. Well, yeah. Weekly. I get paid weekly. But where is it? Is that even honest? You told Colton that you like that your fans think you're rich. Oh, my God, they do. And you keep up the appearance of rich. Thank you. But you're not. No, I'm not saying that. You told Colton that. I have to. You're a moron. You don't know what I'm saying. I do know what you're saying.

15:57You said that I look like I'm rich. Hold Colton that you think you look like you're rich and you have to keep that appearance for them. I do have to keep the appearance. Why? The more money I spend on myself, the more money I make. You don't make any. Well, that's because I don't spend much money on myself often. But like when I do. What are you talking about? You do not look bad. You're attractive. I think most any guy would, okay? Like what are we talking about here? So like what is the issue? What money do you have to spend on yourself? The Botox thing was mostly a joke, but also I was noticing the wrinkles.

16:28The scratching, the scrunching, and you want to be on camera. Okay. Okay, sure. Yeah, who pays for this? I knew you would say that, but people love to see it. They love to see it. It's like extra exclusive content. Why? They're literally just Instagram things. Here, top-down camera. This is literally nothing. Okay, well, there's like a touch-a-cleave there, but not really. But they get extra stuff. If it's like, oh, hey, she's got... What's the extra stuff? It's just pictures that nobody else gets to see except for my subscribers. Wow, yippee. And yeah, they are getting likes. Dude, men, let's have a conversation about my gender real quick out there.

17:10You guys are being pathetic. Why are you paying for this? What are you doing? At least that one's almost like a bra picture, but this is like so fucking nothing. Oh, my gosh. Oh, what is wrong with that? I don't know. Why are you doing things? I don't know. It's a Samsung. I don't know. Anyways. It's time to give up. Give up what? This content creation thing. You're not in it. I'm sorry. Why would I give it up? Okay, here's the reality. I'm just going to lay down the reality. This kind of sucks. The reality is from the views and everything I'm seeing, you likely don't have a talent. I'm talented.

17:45Okay, yeah. Not a talent that people are interested in. So you might have your own talent. So if you don't have anything that's contributing to the marketplace that people are willing to pay for or watch. You either got to find that niche, which unfortunately I don't, just based on your history, how long have you been trying this? Content creation. I started in 2023 and then I quit for like six months. Okay, it's time to move on. Time to get a career. I don't think so. I have 200 ,000 followers. Yeah, but you're not, first of all, let me be completely honest. As of about two years ago, followers mean nothing.

18:23Nothing. Nothing. Subscribers don't mean anything. Followers don't mean anything. Nothing. My dad would be so upset if I quit. I don't give a f***. Why would he be upset? He got me into streaming. It was his dream for me to be a streamer. What? That's so weird because this is guys gooning. Usually because, again, you don't do anything interesting. Okay, you streamed for three hours last night. What did you do? Show me. Pull up yesterday's stream. Pull up yesterday's stream. Pull up yesterday's stream. I don't even know if I can. Pull up yesterday's stream. I don't think I can because I have my VODs off.

18:53What's wrong with you? Fine. What was your stream last night? You have your VODs off? Why are you just horrible at content creation? I'm not horrible. That's just like an easy thing. You don't get that with being horrible. Anyone can get 15 views. Anyways. Yeah, my VOD is off. I don't have access to it. I was in the hotel room just like hanging out in bed listening to music. Okay, it's time to get a career. That is a career. No, it's not for you. You're making a few hundred bucks a month. But that's just because I haven't been as consistent with it. At your max, you're making four. Yeah. That's likely not enough.

19:30Not enough to survive. And you've likely passed that peak. But if I get to that point again where I'm making four, then I can save it and then day trade it. Based on what? And get rich for that. Okay, I'm just going to ignore that part because shut the fuck up. This cannot be your mentality. No, that cannot be your mentality. So many people get so rich off of streaming. What does your boyfriend do? He's a vocal engineer. Vocal engineer? Mm-hmm. Does he actually make money? Yeah. So this is why you were able to just f*** around forever. What do you mean? What do you think? I'm not f*** your f***.

20:01Yes, you are. You make... You think you make a couple thousand dollars a month detailing. Not detailing. It's rapping. Rapping, whatever. I don't give a f***. Yes, it is different. I don't care. I used to detail. Let me ask you something. How long have you been planning to deal with your debt? Six months? A year? Two years? Every time you make a payment, you say, I'll figure this out next month. But you're just waiting for the perfect time, the perfect paycheck, the perfect plan to magically appear. Meanwhile, that interest is stacking up, late fees are hitting, and that balance, it is not shrinking, it's growing.

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23:17Throne gifts,$25. Dude, I'm not seeing your pay. I see Zelle in 721. Is that wrapping? No. So I don't have wrap income. Wait, if you didn't pay taxes, if you just filed for 2022, Have you paid for the last four, three years? No, I'm working on getting caught up. I filed for 2021 and 2022 last year. I just, how, what the, why are you in our society? Why do we allow this? What? I'm friendly and I get views and people like to watch me. No, you don't. Why are you, you're gaslighting yourself. No. You are gaslighting yourself. You don't get views. Your content is nothing. You're sitting there listening to music.

23:59What's the most interesting thing you've done on content? On content? Yes. My streaming is really interesting, but also I made another page. I have another TikTok page that I've been working on growing. Is it growing? It's talking about me and my financial situation and getting better with my finances and getting rich. Says the wannabe day trader. Pull it up. People tagged you in these videos. I'm so scared now. Yes, well, I don't open that up. Here. Oh, shoot. Here.

24:31They said she needs to go on financial out. Is that what they were saying? I thought that they were... You look better here than you looked on, and then you look in these videos. You say I look better there? No, here. Oh. Don't put your hair up. Don't put my hair up. Well, I had to put extensions in to come on the show. Oh, is that what it is? Yeah. It looks better. I thought so too. Which, that's another thing. I put the extensions in. I know it's going to do better now. Yeah, maybe. That was a good look. That's my natural hair. That one's good. Okay, you get no views. People are tagging you?

25:02Tagging me? What do you mean? You get no views. Who's tagging me? There was a video. This is just another thing where she gets no views. Like, what are we talking about here? I grew that to 2 ,000 followers in like two weeks. Okay, maybe it'll be something. I don't know. But again, followers don't matter much. It's views that matter. Revenue that matters. This isn't like 2020. 2016. It's just not. Shorts are just, they're easy. They're not easy. and this is why I think you should move on why because I think don't think it's easy I don't think you I don't think okay you can go but you're but you're talking what are you even talking about in those videos because you mentioned day trading here so it's like what um in the video I was like oh like I'm gonna get rich next year so but my first step is I have to file bankruptcy and um I need to start wrapping cards and I okay so what's your big mega brain plan to get rich day trading after I saved money.

25:58Okay, and go ahead. Tell me about your day trading strategy. Oh, I want to do futures. I don't really know much about it, but I just know that people get rich from it. People get rich from it. The vast majority lose money day trading. It's like 85%. My brother was doing it full time and he's pretty successful. Was? Yeah. Was. Well, he quit. Now he just does whatever he wants. I don't know. He just travels now. Call him. Call him? Call him, asshole. He probably won't answer. Why? You guys don't like each other? No, we love each other. He just like, we just have that relationship where it's like.

26:30Call him. I'm calling him.

26:35What is wrong with you? You want that? I'm telling you, he's most likely not going to answer. We'll see. We'll see. And you'll text him.

26:54What a pussy. So he day traded made enough to move on? I guess so. He also sells life insurance though. But like the day trading was a big thing. But so the plan is is to really like pop off even more on streaming. Here's the thing. Let's just be honest. You just want to be known. That's all you care about. You just want to be popular. No one knows. Hey. I was literally swatted. The video you just sent me. Uh-huh. The video you just sent me your face was blurred. For like half of it. The other, the end of it, it was unblurred. You were swatted? Yeah. Which one of your 15 swatted you? I don't know.

27:33I have no idea. All I know is I was swatted three nights in a row. Three nights in a row? Yeah, but the cops only showed up for one of, well, like they only like shut down the block and got us out of the house the first night. That was the only night where they were like, hey, like you're getting in the cop car. Those are bad people, obviously. But the next couple nights, they just sent two. I just think you want to be famous. I think that's it. And you're just allowing this guy to sugar daddy you. I'm okay. I am already like there. Where? Famous. Oh my. She's so delusional. I don't know how to make it through this conversation because you're so gone.

28:13You're not famous. You're not famous. Okay. Let's do the example thing. The comparison. Okay. Comparison again. Okay. So let me just fucking ego real quick. Dude, we got like the top 10 podcasts on the internet. I'm not even famous. It's a top 10? Yes. Oh. Billions of views. Billions? Billions. Billions on TikTok, billions on YouTube, 3 billion on YouTube. There's not even like a billion people in the world. Okay. How this guy... Okay. Yeah, you're getting reactions in the room. You're stupid. Listen. And like what? I mean, I get recognized, yes, but it's not famous. You're never going to be famous.

29:03What are you going to do? I'm going to become a... What's famous to you? Influential, like people, like somebody that people can look up to and... No one's looking up to you. I guarantee you. I promise you. But go on. Continue. There's people. Continue. Rich and being somebody that people can look up to. and like helping others. Helping. You can do all that without being famous. Not to an extent. Not to an extent? What extent? Like, just being somebody who can make people's days better. You can do that by volunteering. You can do that by doing a lot of things. Teaching. Like, again, I don't want you anywhere near them.

29:47I can't teach. Good. Thank goodness. Every parent in the world just celebrated when they heard that.

29:56I don't understand. What do I do here? If you think you're already known and you're not and I probably need you to go make more money because you can't even tell me how much money is coming in and all that basically came in last month was a few hundred bucks plus a tax refund for multiple years ago and you're still oh, multiple years. I'm surprised they didn't just already automatically withhold those. What the f*** is going on when I'm having to cut millions of dollars of taxes a year and we're subsidizing this creature? Who even knows? Our system is so backwards. I'm starting to learn from the show.

30:25I'm not taking advantage of the system. The reality is you're probably going to need to get another job. But if you're so convinced you're already known and all this stuff, how am I going to be able to do that? How am I going to be able to convince you? I'm not going to be able to. I have another job. Yeah, but you don't even know what comes in. And when you say you do, you said it was like$2 ,500. For the wrapping? Yes. No. How much? Did I hear wrong? I said like I made like$4 ,000 this year so far. This year. Dude, we're in the second month of this year. Halfway. Not even halfway through this month.

30:54So$2 ,000 a month then? $2 ,500 a month? Well, I only had like one car last month or two cars. And how many cars this month? I have like two or three on my schedule when I get back. Do they ever cancel? I know it's inconsistent though. Two or three happening when you get back doesn't mean two or three next month either though. True, but I'm subcontracting for a company. Oh, sorry. So they, and they're a big company. Until they don't want that anymore for whatever reason. It's not going to happen though. Okay. It's a lot of confidence. I don't know. You're confident in everything. I don't really understand it.

31:29So what's going on? Like what is happening in your life right now? What are we talking about? I want to make more money. You are so lucky. Yes. The best way to do that is give up on your pathetic dream because it's not going to be a thing. It's never been a thing. Go get a job, work in an office, make some money, get a career. Use the course career certification, get an actual career going. like many people in the audience have, make money. What the fuck is wrong with you? Do that. Stop basically sucking a dude's dick to live with him and be able to have the bills paid so you can be a wannabe influencer when you never will be and never have been.

32:01I'm literally, so I'm also going to start my own, like. No, please, nothing. No, what? I want my own rapping studio, my own personal studio. Studio meaning you're getting a brick and mortar. Yeah. Or I could also, on top of that, Like, dude, like, at home, like, people call me out. Moron, how much debt do you have? Um, maybe$20 ,000? Just about. How the fuck are you getting a break? When you want your spring break to feel like... And your kid's pool day to feel like... And your hotel bed to feel like... Ooh, and room service to feel like... Because at Hilton, hospitality feels like... Your cabana's ready.

32:45Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton for this day. You can mortar with 20 ,000 when you're spending literally thousands more than you make a month. Do I have to pay that though? Like it's in collections. But depending, some of it's in collections, some of it's not. Listen, like you've got cash app shit going on too. It's like, dude, you're broken. Even still with collections, who's going to approve you to rent a brick and mortar? I'll buy it or get a co-signer. No, co-signer. Maybe, but this is a business lease. It's not the same as getting a rental of your own.

33:23It's not like getting - How is it any different? First of all, I mean, a lot of businesses, they want to see years or minimum six months of a successful business going on before they allow you to sign a multi-year lease. They're going to lock you in for like three years minimum. Two if you're lucky, but you're going to be begging in a bad market or something. But then once it gets really successful, then I can just buy it out. Yeah, but how do you get it in the first place then? If you're f***ed, you're f***ed. Your business has nothing. You're f***ed. I'll just make enough money. That doesn't make sense, though.

33:52I'll have enough money to where. And you're going to have to do like, especially if you're risky, you're going to have to do multiple ones up front. Multiple ones of a business lease. This is going to be expensive. You need a full garage and space. It's going to be expensive, Central Tennessee. It's going to be expensive. It can't be too expensive. Your boyfriend's just paying for everything. Why does he put up with this? because you're kind of hot. Is that it? Honestly, is that it? No, because he's not paying for everything. No way he's not. You don't make money or else the debt is going up. It has to be.

34:23Like, well, what else? No, we're both, we're both. I'm being told if he doesn't pay for something, you lean on someone else and borrow from them. That, yeah, that has happened a couple times. So it's that. Yeah. But when I'm up, he might be down. And when he's up, I might be down. So then like, we just kind of balance that. You've never been up. Where's your up? That's not true. Your best month was four. When I was an assistant manager at an auto shop, I had a$50 ,000 salary. That's up? I mean, that's okay. That was maybe up compared to what I am now. Yeah. I mean, like, that was a good salary.

34:54Everything is up compared to where you are now, except for homelessness. Go get that job again. Work your way up. Become general manager. That's like 60 hours a week. I don't need to do that. Don't need to do that. What is don't need to do that? I think you do. You don't make money. You're not paying debt. You have collections. I'm not doing 60 hours a week. I can't do it. Uh, it's a temporary thing. You're 26. Like, that's not that bad at that time. This is the time to do it. This is when you have energy and then become GM. I don't really have energy though. Work your way up. What do you mean you don't have energy?

35:22Shut the f*** up. I don't. I don't. Get your iron balance. It's not my iron. It's my white blood cell count. Do an infusion or whatever you need to do. I don't give a s***. I don't know. I don't know what it has to do. Dude, what? Are you just going to give up then? You're not going to work? Are you going to be a, you're literally going to be a business owner, but you're saying and you can't work 60 hours a week, that doesn't make any sense. Like, I don't like working for somebody else, getting somebody else rich. That's what it actually is. Versus getting myself rich. I don't like having a cap on how much I can make.

35:47You're not going to be able to get yourself rich. You don't know how to. You don't know how to run a business to save your life. You can't even run your own life. You couldn't get past, dude, you're literally set up for everything, and you only get 15 views. Like, you're set up for 1 ,000 concurrents. Oh, you said so? At minimum. Yes. I can get 1 ,000? Yes. But you don't, Which is indicative of just how much of a failure you are at everything you try to do. But if like I went all in on, because I'm not like all in on streaming. I'm just like, but if I went all in. Listen, if you can't work 60 hours a week, I don't know how you're going to be all in on streaming.

36:19Well, I just recently got obsessed with a game. So like I've been streaming a lot more. So one singular game until you fall off. Well, no, my goal is to get like the top rank in that game that I can. What game? It's Valorant.

36:39it's gonna be a long long thing though too because i'm the worst absolute rank that you can get so it's gonna take me a long time dude okay just shut the f**k up i i don't know how this guy deals how do you guys have conversations does he encourage you no he pushes me a lot pushes you what do you mean by that pushes you in what direction like to do more and like what kind away like away from your bullshit um no like he's like oh like you should do this like help yourself grow and like he's just like pushes me to like grow on social media and then also like the rapping thing like he's really supportive of like me doing that have you ever had an OF no that's good that's good I'm just honestly surprised because you're kind of dumb and hot so usually that just kind of goes into that yeah no one's ever encouraged you right um people tell Tell me a lot too.

37:29Yeah, but like anyone close to you? Oh, no. That's good. That's good. I don't want you to. I don't want you to whore yourself off. I want you to go back to the, how long were you at this car dealership as an assistant manager? Which one? As an assistant manager. I wasn't at the dealership as an assistant manager. That was a shop. Okay, how long? And that was eight months the first time, or no, the second time. The first time was a year. Why'd you leave? I moved. Can you use that experience and get something similar where you are now? I tried when we first moved. to where we're at now. Nothing happened.

38:02I didn't get any interviews. I got one, but they wanted to pay like$15 an hour and I was like, no, it's not happening. I haven't applied in a while. I just don't want to work 60 hours a week for salary. Like that's no overtime. But you'll get more money as you, this is like your investment into the career to go up. Yeah. You're automotive obsessed. Yeah. Okay. Yeah. So that's your big thing. That's like my, that's where all my experiences is work-wise experience or passion both you like it okay oh yeah so we want to double down there there's a great there's a great career there work 60 hours a week for a year or two move up man use this experience the dude you can make some money have you done sales oh yes and how'd you but you're but you're i'm not confident in my sales i made two thousand dollars selling cars in like three months.

38:56Yeah, fuck. Okay. Yeah, not good. I think you could get any guy to sign on the dotted line, but I guess not. Mm-hmm. Is that your ugly era? I was blonde. The pink head's better. I guess. I mean, if it's the e-girl personality, it's not usually my go-to, but like I understand what people are, you know, I understand that people are into it. But yeah, no. Not good at sales. Okay. There's something else. I just need you to get back into it. You need to make some money. Oh, yes. Okay. So I forgot. With the wrapping cars, I'm also incorporating that into my content, which you saw, which those videos do better.

39:30Yeah, with the thighs. No, I'm doing it at a shop. I wear like sweats every day now. They don't, I don't need to wear the shorts. And those get less views. Well, yeah, because I'm doing it kind of differently because I started the wrapping You got to know the meta. I'm not saying whore yourself online, but you got to know the meta. I know my meta. You got to know your meta. I'm sorry. My meta is my pink hair. Huh? It's the pink hair. and the piercings why do you think that that's the that that that's the i'm rj decker the private investigator uncovering the sunshine state's darkest secrets tuesdays it's the premiere of abc's hottest new crime show rj freaking decker as i live and breathe he's a private eye it's not a standard murder someone bigger and a public mass trying to get I'm back to prison today.

40:18You go to prison one time and suddenly it's all the jokes. RJ Decker series premiere Tuesdays on ABC and stream on Hulu. That's it. Because whenever I dye my hair any other color, my views tank. Okay. That's a part of it. They want the e-girl persona. E-girl? What is that? Yeah. I've heard the term. I just don't know like what. I thought that was like the OnlyFans thing. Like streamer. Oh. Honestly, I mean, the one reason you have that pinned and it's like better views, it's the thick thighs. That's literally one video. And that's like one of your best performing video right now. That was such a good video.

40:57It's the thighs. I'm sorry. I think it was the Mustang. I'm not trying to sexualize you specifically. No, it wasn't the Mustang. You don't think people are into the thighs. Come on. You're so egotistical about your followers that are non-existent, basically, or your viewers that are non-existent. But you can't be egotistical about your thighs. No. They weren't like the pink hair and the car. You know, you're meta. And again, I'm not specifically trying to sexualize you. I'm just. Everyone knows you're attractive. We get it. Okay. Very good. It's specifically that that was your high viewed video.

41:32You got the thighs. Everyone just saw them. Congratulations. Well done on them. You work out? Not anymore. Okay. Well, maybe that's why they were better at one point. But this is like, come on. Yeah. And listen, you don't have to go into that if you don't want to. But if your entire future is based off of you think that's the highest viewed video because of a Mustang, I just have bad news for you. That's what I'm trying to say. That's what I'm trying to get across. So you don't think I should just buy another Mustang for the views? Did you buy that Mustang? Yeah, that was mine. I owned it fully, but I sold it.

42:03I don't have it anymore. Did you make a profit? When I sold it? Yes. Oh, God, no. Oh, for f***s sake. What are we doing? No, I lost money on that one. It was a Mach 1, too. It was a five-speed. It was manual. all that's kind of stupid i'll be honest but what's not is actually getting a checking account that gives you free money free money we like free money you can get up to 350 dollars in bonus cash right now when you sign up for the checking account that i use chime also it makes your savings grow at a 3.5 apy interest rate guys you can watch financial audit and get free money at the same time who would have thought that's incredible check it out link in the description below Sign up for time.

42:43Get that$350 right now in your checking account. If budgeting apps make you feel like s***, this is for you. Most people who struggle with budgeting aren't irresponsible. They care about their money, but they get overwhelmed every time they look at it. They download an app, connect their accounts, and try tracking. But within a few days, it feels like a homework assignment they're failing. Too many categories, too many rules, too many red alerts screaming at them about what they did wrong. So, of course, they stopped opening it. Not because they don't care, but because it makes them feel worse.

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43:50Click below to download DownloadWise and see if this helps you feel more in control without distress. And if it's not a fit, cancel any time. Okay. I just, I'm sorry. I want to be clear. My goal is not to sexualize you. I just don't want you to think there's other reasons why there were views. And I don't want you to go into it thinking you're about to do really big, but they only want one thing and they like one thing. That might be like the struggle that I've had with it though. Yes, that's what I'm saying. Are you finally coming around? It's hard for me to open up to like that. Like I just want like, I kind of like dress like a boy-ish kind of.

44:27Well, you got a baggy shirt and I don't know, you're wearing some kind of short shorts. Like that's not, I wouldn't say that was like a guy. It's a man's shirt. Yeah, but like also, but your thighs were showing. Right? Yeah. It was because of my tattoos. It was like, I like this fit because my tattoos. But if you lifted up the guy's shirt, it would have been like booty shorts probably. So like, no, I'd say you're still, you know, putting out there, you're putting out there casual girl. Oh, sweet. With a girl face. That's like my vibe. Exactly. But again, this is, okay, sorry. Oh, okay, sorry. It's just like, that's what's happening.

45:02I don't want you to expect it all of a sudden, you're going to do so good. And the only reason you're just around, and being honestly an imbecile with you thinking you're understanding on the internet right now, your position on the internet. It's because it sounds like this guy completely subsidized your life. No, I know. And other people. And other people. I know how to get more famous. How? What's your strategy? I need to clip. I need to do my clipping. Yeah, but what's the content, asshole? Me doing good at Valorant and getting better. And then also funny. She's done. You haven't made a joke.

45:38We've been filming 42 minutes and I haven't heard a joke. Where's your funny? I haven't heard funny. It's just me. Okay. Wow. Classic attractive girls think she is like top tier at everything. They think I'm funny. Just because she's attractive. They want to fuck you. No, they don't. Not all of them. Majority of them don't. Yep. They're there for your personality and brains. Yeah. That's why your boyfriend's there subsidizing you too. He's not. I'd say it's more my dad. Because of your Valorant skills. What about your dad? No, my dad's like paying for like my stuff. Like anything that I want. Still at 26 will you live with your boyfriend?

46:17You're pathetic. What is wrong with you? My dad will do anything. Huh? My dad will do anything for me. And that's pathetic. That's pathetic. That's enabling beyond enabling. He's just so supportive of me being a streamer. Like he just knows that I'm going to like do it. Do it well. Does he know that you likely will need to sew cheeks to be famous? Do what? Dude, even the most, even the successful women streamers that do content that isn't even sexual are showing cleavage and booty. Like, I'm sorry. All of them out there. I'm not. Who do we got? Sinnoh, Pokimane, Emeru, all those stuff. Huh? Amaranth.

46:55Well, yeah, but she's OF. Those other ones aren't, though. I don't think. But they're showing cleave. And like, they got the booty show. Like, you don't understand this. How do you not understand the meta here? Again, I'm not trying to sexualize you. I'm not saying do that. You think you're going to be successful. Your dad thinks you're going to be successful. No, you're not. That's what it is. It's a bunch of gooners. They have to do that to be successful is what you're saying? Oh, my gosh. If you look at the successful women, that's what they're doing. Unless there's an instance of someone I haven't heard of.

47:23Can you tell me that person? I'll look them up. Probably not. What do you think your financial score is? Zero to ten, zero being the worst, ten being the best. Probably a three. Okay. If you want your hammer financial score, get it for free. you take the assessment and see where you stand in the world of money at calebhammer.com it is free just takes a few minutes and make sure to download the brand new and improved dollarwise budgeting app listen this is literally march is the last month to get my budget-friendly cookbook yes you get a free trial all that good stuff but if you like it most people sign up for the annual version because they save 50 and only through the end of march do you get my budget-friendly cookbook and then it's going away forever and i'll sign it mail directly to you with our budget friendly daily meal plan that is brand new as well.

48:08So check that out, dollawise.com. Links in the description below. Let's get into this. Okay, you said you have collections. Everything's collections. This isn't collections, fucking moron. It is collections. Oh, except for the two credit cards that my dad gave me. That your dad gave you? Yeah. What do you mean he gave you? What are you doing? I have a mark from when I was wrapping cards and I got, sorry. Does that hurt? Not really. It's just like healing. Okay. You need a band-aid? No. It's not like an open wound. Okay. What the f*** is going on with the City Diamond Preferred card? What do you mean he gave it to you?

48:43Which one is that? Is that the one with 5 ,000? It's the City Diamond Preferred card. It might be now, but at the point of the statement, it was$3 ,844.33. Oh, yeah. It's like at 5 ,000 now. I even heard a sound from Colton. He didn't even know this. Kill me now. What are you doing? Why? Why is it 5 ,000? Pull it up. Pull it up on your phone right now. Right the f*** now. Well, it's my dad's account. Right now! It's my dad's account. I don't think I can. What? You're not even like an authorized user on it? This isn't even your debt? On which one? Oh my God, it's the City Diamond Preferred card.

49:23I don't know which one that is. It's the City Diamond Preferred. No, it's my debt. It's just my, well, kind of. I mean, I spent it, but it's on my dad's card. Yeah, are you an authorized user on this card? One of them. The other one, I'm not. How do you get, tell me which one? Tell me which one. They're both city. I know that. One's a black card and then the other one's blue. And which one is it? Which one are you? Oh, I'm authorized on the black card.

49:52Do I have the other card? No, because he just gave it to me. So this is probably the one you're an authorized user on then. Yes, yes, yes. Yeah, you're right. Sorry. Your minimum payment is probably like$150. Pull up the statement. Pull up the app on your phone. It's on there, right, asshole? You pulled the statement. How did you pull the statement? Did your daddy do it for you? Did your daddy pull the statement for you? No, he didn't. You're pathetic. What is wrong with you? I'm not. It's my dad. He just helps me whenever I can. Oh, let me see. Okay, call your dad. Call your dad right now. Are you sure?

50:27Am I sure? Yes. I'm not afraid of someone's dad. You're not an e-girl dad. I'm not an e-girl bitch. Do you want me to do an introduction? Or you just want to f*** him? He's at work. He might not answer. Why is everyone might not answer with you? He'll call back, though, I know for a fact. I told that to your brother, too. You told my brother? Yes. So you can't even pull up the same of the sticks. Listen, this takes like 20 years to pay off now if you make your minimum monthly payment without purchasing anything. And I know for a fact you're purchasing. I don't even know how to make the payment.

51:11Does your dad pay for you? Just the minimum? I don't know. I need to talk to this guy. What the f*** is going on here? How are you ever going to survive? You're just enabled. You're spoiled. You're such a brat. My brother texted back. He said he's in a meeting right now. You're pathetic. No. I'm just chasing my dreams. You don't even know what your dream is. You have like five. I have so many. There's so many things that I want to do. What's your one dream? Being an automotive content creator and building cars. Building cars? Yeah. That is a niche, but you got to do something special because that niche is very solidified.

51:40I have pink hair. It's already special. I bet there's someone else out there. Well, yeah. You think you're the only pink haired girl? No, but it's just, you know, it's my vibe. Oh, my brother's calling. Give. You're going to have to do the speaker thing. Hey, brother. She wants to day trade like you to make a living forever. How much money did you make day trading? Like yearly or like best day ever? Yeah, how much money did you make completely? I've kind of averaged right around 90 a year so far. Are you done? Have you quit? She said you quit. Why would you quit? I didn't quit. What the? Oh, I thought you quit.

52:20She thinks she's going to be a professional day trader. She wants to do futures. That's disgusting. Oh. What? That's how she thinks she's going to make a living forever. Why is that disgusting? That's not disgusting. Just go trade crypto if you're going to trade futures. Yes, yes. What do you day trade? Only blue collar, like over$500 ,000 market cap options. So Facebook, Tesla, things like that. But I also have people sitting in my office right now. So I got to go. I thought maybe someone died and that this was important. Oh, it's more important. But thank you. Love you.

53:03Call your daddy back. He called.

53:08Here you go. I got to talk to this. Hello. Hello. Papa. What? Hello. Hello. Hello, sir. I'm with your daughter. Oh, hi. How are you? Good. I'm doing wonderful. Um, why the f*** are we giving her thousands of dollars of credit card usage instead of her growing up and getting a f***ing job? Because I ain't got a lick of f***ing sense. You have a lick of sense? Whoa, what's your sense? I don't. I don't have any. Oh, I agree. Thank you. Very good. Why do you want her to be a professional streamer? Listen, I thought it would be a good idea. She wasn't doing anything else. Why not stream? I was. She's got the personality for it.

53:59I think that answers it right. I think she needs to get a job. She's wrapping cars right now, but her income's so inconsistent. I agree. I agree with you on that one. For sure. Why do you keep paying for her life? Because my big thing here is if we keep paying for her life, we all have that dream trip we've been wishing we could go on. But too often, life, or usually price, gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60 % off hotels and up to 50 % off flights, you can book everything you need for your next adventure. Don't just dream about that next trip.

54:36Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today. Go to your happy price. Priceline. Keep paying for her life. She's never going to feel the pressure to actually go do shit. well the credit cards is a big issue but that's probably my fault but she was out of power what am i supposed to do well i don't i don't know about that but uh like ongoing i mean this is thousands upon thousands of dollars yeah i maxed it out once yes it is yes it is um and honestly with her spending it's like her bullshit spending alone last month was in the thousands of dollars and this is what's being funded instead of her actually taking care of things she needs then she's paying for that what are you talking about is she gonna pay for that i don't know how she said she doesn't know how she should what do you mean doesn't you just said she spent thousands of dollars yeah she says she doesn't know how she's gonna pay for it what do you mean what do you mean i just i don't know how to even make a payment on it what kind of what do You mean a payment?

55:42Did you get a loan? No. No, I think he's talking about the credit cards. You used the credit card for something else. Oh, yeah. The hotel. Yeah. Wouldn't she be able to use her own money for the hotel, though, if she wasn't spending thousands on bullshit on a monthly basis? Doesn't it kind of offset that? Yeah, maybe like Starbucks? Yeah, Starbucks. She's a Starbucks queen. I have to have my Starbucks. She has to have her Starbucks. How do you do Uber Eats? I don't overeat so much I agree my big fear father is that she is literally never going to learn any life skills because she's being endlessly bailed out and enabled and if she ever breaks up with this guy which I hope they don't she's just going to like what is she going to do move in with you like she's going to have nothing she has no life skills she'd be better off moving in no No.

56:41Even, wait, better off even just leaving her guy and moving in with you? If something ever happened. I don't know. She's, you know, what's she doing? Well, nothing. Her streaming right now is 15 viewers. She gets 15 viewers concurrent. I'm literally doing better. I'm getting more consistent and he knows. She's not. Listen, she doesn't listen on the streaming. She doesn't stream consistently. she doesn't do shit the promoter stream and her tiktok's don't give these either and she's posting a ton like I'm just I'm really scared are you wealthy sir no that's my big fear I work for a living that's my big fear is just how much money is going to her like you know your princess your special little princess when she's not doing shit yeah and he's over here yelling at me and being mean who is Caleb well yeah what do you mean you're yelling at her well I'm yelling at her She's kind of a bitch.

57:38And what do you do? I yell at people. For what? I mean, what do you do though? A living. A living? Yeah.

57:50What does that mean? A living? No, I yell at people for a living on camera. You yell at people for a living on camera? Yeah. But he doesn't want me to stream. Well, because you get 15 views. A stream. It's time to move on and get a job. I'm going to get more, though. I'm going to grow. You can get more viewers. See? Well, unfortunately, if I'm being honest, it's hard telling the father this, but there's really only one way for it just sucks in the niche that she is in. I mean, it's cleavage and booty. No, listen, you're a liar and a cocksucker, all right? And not necessarily in that form either.

58:36okay but i'm in the world of content creation i know the popular streamers in fact they're all here in austin texas where we are they all the women they're not creators they don't have they're not doing that but they're showing a lot of cleavage and butt on stream and those are the only ones who are successful i don't want her to do that i'm actually telling her i do not want her to do that but the thing is because she doesn't do that she's probably not going to be successful and that sucks. Yeah, I don't want her to do that either. And so she's probably not going to be successful.

59:11Well, if you got a better idea, let me know. Yeah, she needs to go get a job. Well, she doesn't like school. Where do you want her to get a job at? She won't listen to me. Okay. If she's not listening to you, never listens to you, never give her money again. Wait, maybe we wait a little bit on the never give her money again thing. Just so I can at least have a chance for the streaming. Bullshit. You, listen, you tell me, oh, can I borrow$300? I'll pay you back. I never f***ed you that money ever. I haven't, I've been paying the bills when I can and it's hard to pay it back. And who, why does she need two phones?

59:59Why? why the f*** does she need two phones and I'm paying for one $135 a month one's my content work phone and then my others are my personal phone oh that's bullshit and let me just tell you father of her I have a massive content creation business I have one phone see exactly I got one phone you don't live stream though yes we do but you have like a whole setup you don't like do a mobile live stream where you have to like have a phone like in your hand like listen to your music use your maps and then also a phone that you can stream on okay listen i know i know you had to bribe her to finish high school by buying her a car maybe we can come together and bribe her to start a career well she needs a Pick a career.

1:00:51I agree. I have a career. She wants to work in automotive. Like she was an assistant manager at something automotive, and she was making$50 ,000 a year. And I want her to dig in there and move up. But she says, I don't like working 60 hours a week. Oh, my God. Whatever. Yeah. Well, you have to sometimes. But I don't have to. Yes, you do. You do. You can't depend on me forever. I'm not. I'm just going to. It should probably take me maybe another year to get where I want to be social media wise. And then I will have money and I'll take care of the family. What family? You. What family? Because the last thing you need is a kid.

1:01:33She said you. Oh, no, no, no. You. You're not going to take care of me. I take care of myself. But if I was a millionaire from crypto and day trading. Okay, okay. Yeah. Like her brother. She thinks she's going to day trade her way into a million bucks. I know. I know. But I don't have to worry about. Yeah, I agree. All right, sir. I appreciate your time. Well, thank you very much. And I hope you have a great day. You too. Maybe talk some censors over maybe. I'm trying. I love that man. He is a hero. I love him. I need to see a picture of him right now. They're not going to see. I need to see what this guy looks like.

1:02:18He is a hero. And what does he, how does he know about streaming? He streams. He's a streamer? Yeah. Successfully? According to your standards, no. Well, what's his average viewer count? Like four, maybe five. Well, he's doing it for fun though, right? Yeah, yeah. I love this man. I'm sorry, can we shout him out? Can we put him in the description? Yeah. He's great. Go follow him at rutrow. Rutrow. R-U-T-T-R-O-W. Curse. He doesn't get a call out, but this guy gets all the call out. R-U-T-T-R-O-W on Twitch. I love this man. He's a hero. He's a king. What does he do for a living while you cipher all his money?

1:03:09He's a safety supervisor. Yeah, that explains all the beeps. That dude's out there grinding and beating pavement. and you're being a bitch and beating meat for your rent. I'm. Your boyfriend. I'm not. I'm not. Come on, he subsidized your everything. Come on. It's more my dad. I make about the same as my boyfriend. We make about the same. What? You said he does well. You make a few hundred bucks a month. He does. When he has, you know, people coming into the studio.

1:03:39So I don't even know what racked this up. You said a hotel, but a hotel doesn't cost$5 ,000. No, it was a hotel, an Airbnb. Well, that was after what's on here right now that you see. So what got up to that? Like just random stuff like food, clothes, a couple items for my streaming equipment. Show me a picture of your boyfriend. Again, they will not see. I will see. Okay. Starbucks is bullsh** 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.

1:04:19And 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, type in code Caleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new DollarWise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use.

1:05:00But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, We've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out, and get the monthly plan at a 33 % discount for three months or take the annual plan for an insane 50 % discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well.

1:05:44Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. And if you're feeling extra sexy, become one of the Founder 500 purchasers to get my Founder box featuring a bunch of goodies plus lifetime access to the premium version of DollarWise. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. Just here. Here's his Instagram.

1:06:14Oh. Yeah, you're dating. Okay. She's dating the stereotypical like dude with a ball cap. I get it. Handsome looking dude. He pays your bills. He's a wannabe singer, isn't he? He's really good. Oh, he's really good. Yeah, him and his 15 ,000 followers, yeah. I don't even mean to shit on their followers. It's like you just can't tell me that they're like, you're trying to advocate that he's successful. Unfortunately, no. I hope he is at some point, but he's not. Oh, he's going to make it. I hope so. I'm rooting for him. I have more confidence in his skills than mine. Everyone's more confident in everyone's skills than yours.

1:06:51Listen, the thing is, you like him because he's hot and because he pays the bills. No. So you suck his dick and then you stay good and then your dad funds the rest. Had hundreds of dollars in interest. What the f*** brought it to$3 ,800 before you had to put a hotel and shit on here? Just like lifestyle things like drinks, clothes. Pathetic. Just, you know, the average girly thing. Slashes, nails. So is this a repoed car? Oh, yeah. But that was great. That's 100 % a good thing that that got repoed. What? You still owe on it. It's on your credit. Not that much. $7 ,294. Yeah, not as much. 49, sorry.

1:07:28Yeah. You know how much I owed when it got repoed? Yeah, exactly. It was almost$30 ,000. Well, why'd you have a car get repoed and when? Because I couldn't afford it.

1:07:43When? Why'd you get a car you couldn't afford? June of last year. I had it for about a year. Oh, my goodness. Your dad's giving you his car now. Yeah. Oh, why does he do this? Why does he do this? Oh, how many kids does he have? How many siblings? Well, on my dad's side, I have one sibling. The guy that I talked to? Yeah. So one's successful and then he thinks he just needs to take care of you? Oh, this poor guy. This poor guy. I'm successful too. Poor guy. And it just takes... Day trading works until it doesn't. I'm so nervous for your dad and his kids. How old's your brother? 27. Shit. And how long has he been day trading?

1:08:22A couple years. A good amount of years. Yeah, it's going to be interesting watching them trade a down market. We'll see. Or sideways, even worse. But yeah, no. The car was, that was a 25 % APR. And it was$763 a month. Why'd you get it? I sold the Mustang. And I was like, I need a car for traveling so I could drive further. I wasn't, the Mustang was a first. Why a car you couldn't afford though? It was a really nice car. What was it? It bit me. Yes, it was a 2018 Honda Accord and it was cute. Is it a really nice car? I'm not sure. To me, it's a really nice car. Honda's good. It's cute. It fit me.

1:09:00How long did you have it before it got repoed? Maybe a year. Dude, this is fucking stupid. And when did it get repoed? June of last year. You're pathetic. But, I mean, I couldn't even. Your dad takes care of you, your boyfriend takes care of you, and yet you still get something you can't afford, and it gets a repoed. Well, that was before. Like, I had money back then. What's your dad think about this? About what? The car getting repoed? The car getting repoed, asshole. We knew it was going to happen because I stopped paying it for like three months. And your dad was okay with it? I mean, yeah, he was like, just file bankruptcy after they take it.

1:09:28Have you? I worked, I met with a lawyer. You already have. Bankruptcy, obviously it's your spending and your lack of income that is leading to this. Not needing to go through bankruptcy, dude. I didn't start the bankruptcy. I was going to when I, before they auctioned off the car after repoing it. But now that I only owe seven. Dad went through bankruptcy before. That's why you think it's, listen, bankruptcy is not inherently the worst thing in the world okay it's you for a bit and it's not cheap and it is a bit stressful but the thing is it doesn't actually fix your behavior and obviously what has gotten you into this is you don't pay your bills you prioritize fun you prioritize wanting to be famous you'll never be famous off this is the most views you'll ever get in your entire life including that viral thing you got before and guess what yes what how dude i saw $750 ,000.

1:10:14That had like 500 million views across all platforms. Well, we'll see then. Probably not then. But even still, nothing resulted from that successfully for you. And nothing will result from this because no one knows who you are. Hopefully your dad gets some views because I love your dad. Yes, you do. You have nothing. You're pathetic. I need financial help from you, not the exposure. Financial help is you need to get a fucking job and not bankruptcy because bankruptcy doesn't fix your behavior, moron. You'll be going through bankruptcy again in four years. It's more so about fixing like my credit history.

1:10:45That's why I wanted to do the bankruptcy because my history is bad. Maybe, but you'll end up right back where you were without fixing your behavior is what I'm trying to tell you. It's happened on the show multiple times. Multiple times. Was bankruptcy? Oh my goodness. Yes. Yes. Oh. Yes. So what is this? This is a collections of. Oh, I know what that is. Oh. $4 ,686. Yes. Okay. This like just hit. It just hit. I don't know. Okay, no. That's from when I was like 19, I think. 20. Maybe. I don't know about this. What was this? That was, I was studying to become a personal trainer. Are you even that?

1:11:31No. I also took a real estate class. Do you have abs? Do you have anything? No, I used to. I don't go to the gym anymore. Yeah. But yeah. No, I've tried to figure out other things. Because it's like, oh, real estate. Oh, personal fitness training. But then I just didn't. So you took a loan and then you dropped out? Of the fitness training. Oh, you're pathetic. What the f*** is this? I never finished the class for the fitness training. For the real estate, I didn't take a loan. But I did finish the class. There was a real estate one. Yeah, I took the class. You tried to do every f***ing white girl thing.

1:12:01And yet you complete nothing ever. Pathetic. That's. Legitimately pathetic. That's the beauty of it, though. What are you talking about? What are you talking about, beauty? I get to experience a lot of different things and figure out what I really want to do. I have to get paid for by daddy. But automotive is where I'm landing, you know? Yes, except not really because you're not doing anything. I'm wrapping cars. Yeah, but it's off and on. And who even knows? Who even knows? You're contracted out, man. Listen, you can use a Fizz card. It's a debit card that builds credit if you care about your credit.

1:12:34At least it doesn't allow you to spend more than what's in your checking account. So that helps. Oh, okay. And of course, use the DollarWise budgeting app and the Master Money program will put you and that's our educational program. Sick, what a joke. Okay, so what is you, Finn? What am I? You and a Finn. I have no idea. Not a clue. How much is it? $759.08. That could be the after pay. It could be another - Okay, so this is collections? Yeah, that's collections. Oh, my f***. What is wrong with you? Dude, you're broken. You've just been going into collections for years. A lot of this is from when I was, like, 19.

1:13:12Like, I was co-spending. Yeah, but not everything. Not the repo. Not all this shit. No, but, like. I mean, it's either Ulta or Victoria's Secret. You're going to need a lot more of that up here. Oh, the, yeah. Yeah, I know it's bad. It's not that bad. I'm meaming on you. Oh, no, it's okay. I mean, it's fine. I'm self-aware. But if you want to protect yourself. Yeah. Did you get a four-potox? I could. But it's not that expensive. You objectively not. It's not that expensive. But you can't afford anything. You're borrowing from dad for everything. Well, not for everything. I pay majority of bills.

1:13:42Give me your biggest scrunch. No. Hell no. I'll give you a nose scrunch. Oh, that was big. You already did it. Yeah. That's as bad. It's lucky my head doesn't really do that. I go here. Do you have Botox? No. My head just doesn't do that. How did you not do that? No, I scrunch here. I have a line here and I have aggressive smile lines and eye lines. But so do you. So you just get them everywhere. Yeah. You're going to be old, dude. Don't tell me that. You're white as f***. You are going to age like cancer. No. I'm literally, I am going to get Botox, okay, in the forehead. Yeah, it's going to be.

1:14:12But no filler, no filler. Retinol Botox ain't going to do shit for you. You're going to age. I don't think so. I'm going to go to an esthetician, like, immediately. You wear sunscreen every day, right? No. Oh, you're f***ed. I go to the tanning bed. You're done. Oh, shit. She's going to look like, you're going to look like the president in a decade from now. No, I don't tan that much. No, but your skin. Oh, okay. All right. Dermatologist visit immediately. It's got a lot more than that. And you've already f***ed up some of your big years. Resurgent. What is this? Another collection? Oh, my goodness.

1:14:50$644.19. Oh, wait. Is that from the... I don't know what it's from. That might be the... I don't know what it's from either. It's either car insurance or a credit card. I don't know, but you can make a lower payment of$547 and just pay it off. I never really have. Oh, I do have much. So I'll just put that down. 5.47. Oh, we don't even know what this is for. Oh, this is from self? The self? The lending? Yeah, it could be. Pathetic. Your entire life is pathetic, dude. Okay, 6.44. I'm assuming this is in other collections. What is it? Let's see. What was this? I don't. This was credit one. Oh, credit card.

1:15:25Yeah. Yeah. Yeah, it is. Yeah. Dude, credit one's fucked. That's when you know you're the worst finances is in your credit ones in collections. Oh, there's a premier too. You're aggressively the worst, huh? There's a premier one in there too. Okay, this is obviously collections. This is a picture from mail. Oh, that one I think is the car insurance. Car insurance you weren't paying? Yeah. Dude, you are the worst of the worst. The car insurance, that one was from the Mustang though and that was when I was like 21. You're the worst of the worst ever. You're the worst of the worst ever. I'm not the worst.

1:15:55I'm doing so much better than a lot of other people.

1:16:01Yeah, you're not homeless. You're literally taking a dude's pee-pee for a roof over your head. I don't have that much debt, though, either. No, you have a lot of debt. It's$20 ,000. You're right. If people have student loans and mortgages, it's higher. But you have a lot of debt. And you're horrible. Objectively horrible. Carnage is crazy.

1:16:23We'll keep going. Oh. This is for a first premiere. Yes. Yeah, nobody else would approve me, so I applied for that one, and I got it. And now it's in collections. Yes. It was my grocery card. This is pathetic. There's no other word to use for you than pathetic. It really is. It's not that bad. $593. It's really bad. Not paying your car insurance is really bad. Taking money from your dad who works his ass off out on the field on a daily basis. Not field, but like sites and whatnot. Dude's grinding. Dude's grinding. His hands are rusty. And you're taking money from that guy, racking up his credit cards?

1:17:02You're a joke. You are sad. You are pathetic. You are a waste of human civilization. And the fact that we gave you a tax refund when you haven't paid the last four years of taxes is also a joke. I'm writing my millions of dollars of taxes for you. Fuck you. I paid a lot extra into taxes from that job when I was doing these as a manager. You're horrendous. You're horrible. You're a bad person. And you're mean. Yeah, to bad people. I'm not a bad person. I'm just. You're a bad person. You're abusing your relationship with your boyfriend and father. Yes, you are a bad person. I'm not abusing my voice.

1:17:32Yes, you are. No. Yes, you are. That was my boyfriend? Yeah, you take his dick and you use him for all the bills. Let's be honest. I pay my part. No, you don't. It's impossible. You don't bring in money. That is like literally not mathematically possible. Or the only way you do is by borrowing money from dad who's out there working. And it sounds like he doesn't have anyone to go home to, does he? He's got a wife. Oh, he has a wife. They don't live together. That's a long story. I don't know. Short version, why? I don't know. She has her own company, and so she lives in a different city. Okay, so Dude just wants to go home and grind on Twitch.

1:18:01Yeah. He doesn't want to deal with his bitch daughter, his failed daughter. I'm his favorite human in the world, and we play Fortnite together on his stream, and we do things like that. So, yes, he talks to me every single day, and he loves me. I'm not saying he's not a loving father. He's the best. He's being horrible to your actual improvement of a human being, though. pathetic pathetic pathetic what is this now it's a 34 bucks you couldn't even pay this what is it oh you don't know i i don't know why i'm asking you professional clinical laboratories i'm sure you need a lot oh oh yeah did they learn what was wrong with you ever no no i um before we figured out i went i lost the figure out what your brain that's what i'm trying to say oh no what are What are you saying?

1:18:49Your white cell blood count? No. You got AIDS? No. They were trying to figure out. They thought that I had this blood cancer, and then it was a whole thing, and I never got to figure it out. Because that would save your dad a lot of money. No, no. No, I don't have it. I had to get gene testing for it, but. That's good. I'm glad you don't. Okay. So for this test, which is in collections, right? Right? Is it? Yes. Yeah. I just I don't understand how medical bills work when you have insurance and then all of a sudden you get paid it's co-pays and shit or if the insurance doesn't cover what do you mean?

1:19:24why don't you pay it when you get there? you have access to every search engine to learn anything you want I don't understand how it works learn

1:19:34$163.38 all that in collections so f***ing stupid okay this one's even more $73.70 why did you not pay this? I don't even know what it's from. I don't, what company sent it? Oh my goodness, what is wrong with you? Why couldn't you even pay this? Then daddy bails you out? Oh, he's never paid like any of my collections or anything like that. Yes, but he pays for your life. Well, you're not paying for collections. You're pathetic. Okay, cash at borrow, you owe 303. Yeah. Is that in collections or no? No. Pull it up. Finally, something that's not. I don't even know if that can go to collections.

1:20:12303.03. Give it to me. I got to get to the account. Tip.

1:20:20How do I get to the dad? I don't use this shit. Your dad texted, sorry, someone hit a building, and it's been hectic. Oh. Why? Is it because he crashed out of me? Is that why he's saying that? Nope. Nope. You got kicked out. What do you mean? You got kicked out. You're not able to borrow. You got kicked out. Well, yeah, you have to pay it back before you can borrow again. That's how it works. No, your account's suspended. Oh, I have another account. So, not that I borrow. I don't borrow on that account. That's just used for whenever people want to send me money. For? Streaming. They just cash up me sometimes.

1:20:53Or they'll send me a cash up and they'll be like, for Starbucks in the morning. F*** off.

1:21:00Parking tickets. Tickets. $1 ,132. Yeah, parking's suspended. What is wrong with you? Parking's expensive. Why can't you do anything? Man. Okay, so it's really expensive. Yes, kind of a little, but not paying them is even more. Here's one,$39. Here's one,$39. What is wrong with you? $40 for this one. What is wrong with you? $40 for this one. Why? Why can't you do anything? $40. $75, because your fee. $13. $15 ,55, and 55,$147, 55, 25 times two. What is wrong with you? You're pathetic, dude. You're seriously pathetic. No. Yes. Listen, it's parking. Why are we paying for parking? Make, just pay$17.

1:21:50Pay for parking because it's literally space that could be used for multiple things. Why should your parking, your vehicle be subsidized by the rest of us? It's a private company. Huh? It's like a private company. It's not like the city's paying. Okay, then they own the space. They get to charge what they want to. Okay, well then I'll just - Private company where? In the city that I live in. Okay, good. Then yes, pay that. They own the property. They get to charge that. It's so expensive. Then don't park there. Where else am I going to park? There's always a park. Oh, there's always somewhere else to park.

1:22:22Shut up. Now we're free. You have to park extra far for summer free, but even still pay on the street. Dude, we should not be subsidizing you, your vehicle storage, to be clear. That's your choice to have a vehicle. Number two, it's a private company. Yes, they are going to charge money. Dumbass. It's expensive. It's so expensive. You're pathetic. It's checking account. Instacart? You're paying for Instacart? No, withdraw. Were you running Instacart? Instacart, withdraw. Instacart? No, you paid for Instacart. No, I was door dashing. You're paying for Instacart. Go get your groceries. You do nothing all day.

1:22:56You're fucking Apple bill. I work all day. Pull up your Apple. Trading view? She's doing it. Oh, she's doing it. You're trying are you paper trading right now or real money trading? I have$20 Please you can't you ain't your brother. You're you're literally a moron. You don't know what you're doing stop me. No What did you want me to pull up? Just open your damn phone Please open it. It was open open it again Started with$14 in a checking account got bullshit McDonald's twitch your pain twitch Yeah, that's a tax write-off. You. Tax write-off. You don't make money to pick taxes. So I shouldn't have to pay my taxes.

1:23:36Oh, my goodness. You'll have to file. You have to file. But if I don't, if I'm not making it up to file. You have to file! Cool. Formerly Open Phone. Oh, that was before I got the second phone, and I was like, I'm going to have a business number, and I'm just going to have - She has three Twitch subscriptions currently. Video AI. Is that InVideo AI? Video AI? I don't know what that is. Woof's puppy and dog training. Yes, I have a Doberman. Oh, no, you can't afford that. Starbucks, vape zone, vape zone. Yeah, look at you. Failure. Disgusting. I vape. Pathetic. Yeah, you're disgusting. Yeah, of course you did.

1:24:12You're disgusting. You're disgusting. You're a failure. You're going to kill yourself. Twitch, twitch, twitch. You thought you had canceled? Well, you will now. Reversephone.com. Looking people up? Yes. Why are you looking people up? Because I was having a lot of people call me and it turned out to be one of my brothers. I was like, oh. I didn't have his number. You are the most literally person I've ever met. You seriously are. Uber, Twitch, Uber, and fuck you. Passport, Passport, Passport. McDonald's, Vape Zone, Vape Zone, Vape Zone. Okay, not all the Vape Zone is me. Door-mashing tacos. Uber, Uber Eats.

1:24:44Fuck you. Getting some bullshit. Fuck you. Pathetic. This is so fucking stupid. Luma stream. Twitch, Twitch, Twitch, Twitch. You're super chatting like crazy. Tap stitch. Print full. Fuck you. Tap stitch. Uber, Uber. Alta, Petsmart, Michaels, Donald's, Papa John's, Sally Beauty, ain't covering those lines. Prime Video Channel, Shopify, McDonald's, McDonald's, Petsmart, Crypto.com. What are you doing, Crypto.com? You have$20 ,000 of debt, Crypto.com. What are you doing? Crypto is me. What are you doing? The crypto wasn't me. Any of the crypto charges is not. Who is it? It's my boyfriend. Oh my, what is wrong with you guys?

1:25:23This household needs to be burned down. We need to kick you out of this country. Publix. Yeah. Well, it's $12. $100 groceries. Send out$400 more. Crypto.com. $50. What was he doing? We'll talk about him more in the post show. Crypto.com. Uber. Starbucks. Metro restyling. Starbucks. Prime video. Starbucks. The Metro restyling is my work stuff. Thank you. McDonald's work stuff. You don't fucking work a day in your life. Shit ton of money. Chick-fil-A. Phantom. Phantom. Phantom. Phantom. $50. We'll talk about this in the post show. Uber, Starbucks, she wants to keep the private stuff about her relationship in the post show.

1:26:00So the post show is going to be crazy. $30 ,000 on one set of extensions? Oh, it's$3 ,000. $3 ,000 on a set of extensions? That was the second time I got extensions. You need to just stop. The first time it was$1 ,000. Just stop. Cough. You're nothing. $2 on our fidelity. Yes, my fidelity. Cough. Cough. Pathetic. Cough. You. You. It's not bad. F*** you. F*** you. What's your portion of rent? F*** you. Oh, I hate you. 1 ,900 divided by 2. You can't even say what your income is. I'm going to say 2 ,000. You're not sitting in some money. So I guess your contractor, you need to set aside 25 % for your taxes at a minimum.

1:26:37Ha ha ha! I'm going to say 1 ,750. Good the f*** the f***. What is there even a budget here? What's your portion of rent? Half of 1 ,900. Your portion's 1 ,900? No, half of 1 ,900. I don't know what that is. and her 50 what about your portion of utilities like 100 internet as well 120 you pay 120 well every month is kind of different sometimes I do I'll put an extra 60 I'll put 60 then phone bill daddy probably 60 I pay for my iPhone use helium use helium it's 15 bucks a month T-Mobile towers I'm sure that's good in central Tennessee gas vroom vroom drive drive how much a month I'd say 100 Car insurance.

1:27:23I don't have a car. Yeah, daddy's giving that to you. Your car insurance, I'll put$150 because you're about to get it. If you find anything else you need to survive, we're probably over budget. He's going to keep paying the insurance on it. Oh my goodness, you spoiled bitch. If you find anything else you need to survive, makeup, tampons, all that good stuff. $100. Necessary food. Shut the f*** up. $300. What? My dog. Yes, that's a separate category. Okay. Medical healthcare. What else? Are there co-pays on a monthly basis? For what? When you get your birth control and shit? Oh, no. I get it through Planned Parenthood, so.

1:27:55Subscriptions, I'll try 40. That's all your Twitch shit. Pet insurance, 50. How much for your pet food? I'd say 150 a month. Anything else that needs to be in your budget that is not? Self-care. Like, keeping up with my looks. Self-care. Fuck you. I gave you a TP fund. Use it for what you need. Anything else is unacceptable. And we don't make enough money, so I don't even know what to do. This is like, this is, oh, you have negative two in your savings. Okay. Listen, I'm sorry. Usually I at least give someone's, I don't care. She's not going to go anywhere. There's nothing to do here. She's done.

1:28:31Like, I don't care. I don't care. I've lost the care. I'm a little sick. Okay. I think, no, it's actually allergies, but either way, I'm a little cedar hit hard. I don't give a, I don't give a, you're okay. Your daddy's going to enable you forever. Your boyfriend is nothing. I don't give a, we'll talk about him more in the post show. I'm done. I don't care. You're not making enough money. Obviously, what's the real answer? Go get a fucking job and pay off your debt. Dumbass, negative$2 and save it off. What are we doing here? Let's get your hammer financial score. Spending a budget. It's so fucking stupid.

1:28:57Zero out of 10, you're overspent. Debt collection, zero out of 10, emergency fund. Nothing, zero out of 10, retirement. Nothing, zero out of 10, real estate. Nothing, zero out of 10. Hammer financial score. Go fuck yourself and get a job like an adult, you spoiled brat. Click the join button. Join us for Hammer Elite. Download the DollarWise budgeting app. Get your hammer financial score at CalebHammer.com. Why the fuck is he pulling all this money for crypto and bullshit? Because it makes him more money. What? It's literally the move. Like the banks are all owned by like billionaires, like Epstein, like they just all - Epstein doesn't own a bank.

1:29:25What the are you talking about? All the billionaires have the banks with the crypto. Oh, she's - She is so - Who is this woman in my studio? Don't forget to download the new DollarWise budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out. And then you get the monthly plan at a 33 % discount for the first three months or the annual plan at an insane 50 % discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you.

1:29:57After March 31st, the cookbook is going away forever, so this is literally your last chance. Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below. Rinse knows that greatness takes time, but so does laundry. So Rinse will take your laundry and hand-deliver it to your door, expertly cleaned. And you can take the time pursuing your passions. Time once spent sorting and waiting, folding and queuing, now spent challenging and innovating and pushing your way to greatness. So pick up the Irish flute or those calligraphy pens or that daunting Beef Wellington recipe card and leave the laundry to us.

1:30:35Rinse. It's time to be great.

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*Chapters*
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00:00 Intro
01:26 Job & Income
03:35 Documented Fall Off
10:20 Not Even A Dollar...
13:30 What Talent Are They Managing lol
15:56 Influencing Is A Plague
25:50 SURE! LET'S F*CKING DAYTRADE, THAT WILL WORK!!
29:10 What Is Happening
35:55 Valorant Deserves That Reaction From Caleb
39:20 E-Girl Doesn't Know She's An E-Girl..
50:40 Her Brother And Dad Called Back!!
01:07:00 It Was A Nice Car So That Makes It Okay!!
01:13:30 Other People Are Worse So That Makes It Okay!!
01:22:00 Checking Account Goes BRRR
01:24:10 Budget!!
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