What The F*ck Is This? | Financial Audit

22:58The points stack up and move over to every, to like the next year. So my plan is that I'll have this for every year and I'll save up the f***. How about you just go to Disney every other year? That's the point, yeah. No, without this dumb f***. Stupid ass timeshare. Because this vacation plan lets me travel to any of the Disney vacation properties as long as they have availability in that resort I want to go to. Pay for that individually. But I'd rather have a place to just do it at. And this is like my retirement investment. Investment? What are you talking about investment? You don't know what the word investment means.

23:35You're talking about investment. This isn't an investment. Do you have investment? You're almost 30. Girl, you're acting like you're five. What are you doing? This is my retirement investment. This is what I want to look forward to to sit down and actually look forward to in my life. Look to do each time. People take time to go out and travel all these places. I want to do that. Don't invest the YouTubers. 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. Oh, and room service to feel like. Because at Hilton, hospitality feels like.

24:17Your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton for this day. Out there, Papaga and his wife are big Disney adults. And I love them for that. That's great. I also, I mean, I like Disney. I watch Disney, whatever. And I would love to go again. they wouldn't do some dumb shit like this and they go like every year. Just go, pay for the ticket, pay for the travel and go instead of being locked in forever. This subject matter can be hard to digest but for most Americans their personal financial situation is the hardest subject to approach and manage.

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25:35Starbucks 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. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 % off your order at gamersupps.gg. Or click that link in the description below.

26:13Type in code Caleb. I could sell it if I ever don't want it. But I love Disney. My family loves Disney so much. I truly see that I will always go. Yeah, except you're saying you won't even go every year. I may not go every single year right now because I can't afford it. That is the point. At some point, I may want to go every single year. So when you don't have enough money to go, how do you go? Because there's no way you have enough money to go because this is completely across the board. Bullshit. In fact, I'm being told mommy covers you a lot of the time and that you say you'll pay mommy back.

26:42Yes. I have a, I have a. So you lied. No, no. You're a liar. No. You said you don't just go, but you do just go. Your mother pays for it. If my mom wants us all to go as a family, she will pay for us to go. How frequent is that? Every couple of years. Yeah, but you owe her back? No. So why do I have a note when you do not have enough, mommy pays for it and you have to pay her back? On the credit card. So if we go on the trip and it's like this last trip we went on, She has a credit card for me that I'm allowed to use on any purchases that I either need emergency. Typically it's for emergencies when I'm at home, actually.

27:13Like, you know, anything emergency wise I just desperately need in a moment, which, you know, I love her for that. And I pay her back immediately for. Why are you in that position? Because I'm fucked up my finances. How? Because I was stupid in my 20s and just wanted to blow money. You're almost 30. What do you mean stupid in your 20s? You mean right now. Let me be clear. But then you shouldn't be struggling to pay for a utility payment right now. Well, not utilities. Something as general as that shouldn't be the concern right now from a little bit of messing around and spending some money in your early 20s.

27:43What are you talking about? Yes. Yes. Okay. She has the cards. She has one for all of us, all of our kids. I have two other siblings. She has one for all of us just for security so that she knows if we ever need anything, it's there. I don't use it unless I actually need it. on the trip to Disney this year, she told me that if I ran out of money and I was going to feel like I was going to have less of a fun time there to use the car. Oh my goodness, so she's the queen of enablement for her child daughter. Dude, you're almost 30. You're literally acting like you're 7. What the f*** is this? And it's disgusting that she enables this.

28:19This is crazy. What? No wonder he left you. I left him. Hello? I know. I just can't believe it. Blows my mind. You should see him I met him. He was living under his mom's roof, paying$200 a month. Yeah, you're both great, okay? You're both great. What the f*** are you talking about? Listen, out of all my mom's kids, I would say I'm a better one. A better one? I am the better one. Well, that means she's a complete failure of a mother. I love my mom, and she's not like that. No, I'm sure you'll love her, and I'm sure she's a nice person in general, but it sounds like a failure of a mother. if the literal woman child is the best one, the f*** are we talking about?

29:03I think just all of us kids have just made different decisions. Yeah, and being enabled by mom, no? I think we should call your mom. No. She has meetings all day long. Oh, convenient. She does. She works really busy on Wednesdays, and she's going into her busy season for work, so she has to. She does. Mm-hmm. Yeah, it's her only day in office. She usually works from home. Great. What a day for you to come down. She's obviously completely enabling you and the whole kids. I mean, you say that like why he left me. I mean, in reality, since I left him, he cheated on me. Huh? He cheated on me. Like, I didn't trust him.

29:42He was a man child. He cheated? Oh, yeah. How'd you find out? I found it through his phone. What did he do? He was sexually messaging another female online. Okay. Why do you say that like an incel? sexually messaging another female online. Because I don't, I don't like it. I hate cheating. I hate cheating so much. Okay, I don't like cheating either. Sexually messaging another female online. Okay, I have to say it like that because he has told people that all he did was flirt with somebody and that is not what happened. No, he was specifically sending sexual content. He sent cock. No. Cockies and ballsies?

30:20No. What other sexual content is there for - We can discuss more in the post show. So that's a little bit private. Then why fucking say it, you fucking tit, dude. Because I always have to say he's cheating. You asked, what do you mean? Oh, my gosh. Okay, the ultimate post-show teaser of this episode is. I know. Sorry. I get it. Some people want to save some privacy stuff for the post-show. So make sure you click that Join button. Join Hammer Elite, the best membership on YouTube, number one. So why didn't you just at least just leave him earlier? Why did you wait until he moved across the country for you?

30:46State, sorry. Because when we were together and when I found out he was cheating on me, I was 450 pounds. I know. How fat are you now? I weighted myself before I left. It's 165. Well done. Thank you. Wait, hold on. How fat were you? 450. What the? When was that? My first appointment that said that was April 2023. Oh, good. That's crazy. Show me. Show me. We all have to see this. Throw the picture up on screen. That's crazy. Listen, that is a little bit of encouragement. that... Oh, yeah, you were a fat f***er. Yeah. Oh, yeah. I can say that because you're fat anymore. Oh, and I say it all the time.

31:31Look at this. That's horrendous. In fact, I would say disgusting. Yeah, no, 100%. I was disgusting. Because you know that was stinky. No, 100%. I was gross. This was stinky. I will full admit, like, I was disgusting. I wouldn't have... I was disgusting. I hated my life. Hopefully there's nothing else in there. I just swiped the full photo album. Probably nothing that you want. Now that we know No, you're gooning. I got to be careful. Yeah, yeah, yeah. I wouldn't have guessed in the 400 seeing that, but geez, that is crazy. Yeah, you bulked up. You were hanging like 10 heads down here. Yeah, I was really big.

32:04That shows that there is potential behavior change you're able to implement. I don't understand why you haven't done it for your finances. If you have this big Disney dream, I feel like getting extra income through pissing on your feet or whatever on camera isn't what's going to be what changes your life. I feel like implementing the same behavior changes that you did with your diet and whatnot, with your finances, similar. I know it's not going to translate one-to-one, but implementing something similar is what gets you to your goal. Why haven't you done that? It's one step at a time with me.

32:34I can't do a lot of things all at once. Sure, but you're no longer fat. When have you not been fat? I would say I probably got this. Because you didn't just all of a sudden snap and you were there this month. No, I mean, so I had the surgery in November 2023. Oh, you did gastric bypass? I had a bariatric sleeve. Yeah, sure. Good. Yeah, that's the OZO Zempic. Yeah, kind of, yes. OZO Zempic, yeah. Pretty much. Yeah, I did change my whole lifestyle, but for me to handle doing two separate things like that at the same time. Well, when does that first one end so the second one can start? No, we're going to start now.

33:11Now? But you weren't just all of a sudden from fat to not fat in like a snap of the finger two months ago. But then I've been working a lot, and which has been helped the weight loss, which has been great for me. I'm sure. And you work at a healthy place, it sounds like as well. Amazing. Highly recommend. No. Yes. Asiago bowls. I'm okay. Acai. Yeah. One of those. I don't need that shit. Very good for you. Well, what the fucking is an Asiago? Acai. It's a Brazilian berry. Ugh. It's really good. Give me my freedom. I want blueberries. I want strawberries. We have those too. I want apples. your Brazilian berries.

33:48I have a... I have a... I have red, white, and blue berries. Thank you very much. Thank you very much. So is your ex going to be able to pay his bills when you leave? He seems very dependent on you or you dependent on him. I don't know. What does he do? He's a warehouse employee for HVAC company. But he draws the furry content as well? Does he make money off of that? He's trying to. He just got into it. I've been trying to get him to do it for a long time. Like last... Not this last... Is he into furry-ism? Yeah. He's the one who got me into it. Oh, he got you into it. Yeah. Great. Okay. Well, you're not making off all this extra stuff.

34:24So I don't understand why you're putting your energy towards that where you could be more productive and just go get a second job or something, which I don't even, I don't even think you have the hours for, I'll be honest. But really, is that what you want to be known for? Prostate yourself online? It's all on a separate fursona and a separate life. I know, but it is still you. I don't care. It's my feet. I don't care. Okay. I feel like I'm showing a face or mess. But why don't you go do something more productive with your time and make more money? Because you're not doing well. I'm also not very, like, pushed toward it.

34:50Yeah, but$55 a month, like, is that even worth it? Not right now, but I see that through time, through actual, because it's newer. So, you know, it's not going to blow up instantly. I got to take the time to put in the marketing and the effort to be able to push it out there. So that's why I made the Reddit and the X and the Snapchat so I can start pushing it more. Oh, you got a message today asking for you to step on a cake. Yes, they asked me to bake a cake for them, like videotaping, making the cake with my hands. But that's going to cost more than like half your monthly subscription, just to bake a cake.

35:21I have cake stuff at home I bake all the time, so it wouldn't be anything on me. Oh, is that good for you? I do like gluten-free and healthy stuff, or I'll take it to my work and my teenagers that work love it. Teenagers? I manage a... You have kids. No. No, just for children. But you just got cracked last week. Yeah. Could happen soon. But in Michigan you can get rid of it Safety

35:47Again We'll see how long you do that though How many times do people hook up with each other And tell all of a sudden that condom is no longer there Well I don't think I'll be seeing that one again Why? Because you have an issue with every man Because it's always their fault? No I just didn't enjoy it and so I just won't go again Yet you stayed the night and the whole next day Yeah He's a nice person I just didn't enjoy what I went there for Okay. Oh, wow. The ex hasn't even told his parents that they broke up. I don't think so. So he keeps telling me he told his mom, but... Your hookup was three hours away?

36:22This is that crazy. What the... We're driving three hours to... What are we doing? Yeah, I may have done that. Again, more productive with our time. That's what I am saying. We could pay to get to your end goal here. Driving three hours to get some penis? I know. What? It wasn't my best decision. Where was it? Chicago? No, northern, like by Traverse City. Oh, my goodness. You went almost to the UFP, the Upper Peninsula. Yeah. Just for some d***. There's like five people up there. Why can't you get d*** in Grand Rapids? It's a city of like a million people. I definitely could. You're right. You're right.

36:52Just in the moment, he intrigued me. He intrigued you enough to drive three hours? Listen, as a whore and someone that likes to come, I've never driven more than 30 minutes to f***. As somebody who has been in the dating world as a bigger person. I've made people drive well more than 30 minutes. As somebody who has been bigger in the dating world. Yeah, you were fat. I have. You got skin flapping around in the wind? A little bit, yes. Okay, yeah, I guess not everyone's into that. So I have a lot of anxiety when it comes to being like that. So going three hours with the potential ew when he sees you is less anxious than being able to just turn around and drive five minutes back home?

37:27I think with him being so far, if he says ew and I go home. Guilt tripped? No, no, no, no. No, I think it's more like if he didn't enjoy it and I drove the three hours. Is he attractive? No. Why the f*** did you f*** a non-attractive guy? Because of what he said he would do to me. What did he say he would do to you? I have a kinky lifestyle. Tell me. I am a submissive. I like to be dominated. Okay, welcome to every woman, like 98%. But I have been in relationships where not. My ex is not like that. Ex is a pussy? X is not a man, no. What? Spider, I killed it. You can't do that to me. I absolutely can.

38:09A spider was crawling down my mic. Okay, show me a picture of your X. It's not going to be on screen. I just need to see what this creature looks like that was with a 650-pound woman. Hey, that's what happens, right? Every time someone loses weight from gastric bypass, they always leave. They always leave. You're the lever. and the unique kink of a woman being submissive. Never heard of. Not even that. It's just being with somebody who isn't. Yeah, dominant. Who would have thought? What the f***? Can I swipe? Yeah, of course. Because I want to see, like, more of him. Oh, jeez. He's just like a f***ing nerdy little gamer guy, but he's, like, normal.

38:48He's not a bad-looking dude. No, he's a great guy. I don't get me wrong. 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. Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today. Go to your happy price. Priceline. Okay, show me the hookup. How much are you investing into your OF, by the way?

39:30Because if that's your future, I mean, I'm being told you're ordering custom latex bullshit and all this crap. I want to order these custom latex costs. How much is that going to cost, making$55 a month before they take their cut? It would be like$150, but I'm going to save up. I wouldn't pay, like, I wouldn't do it until I'm ready to do it. That's him. Oh. Yeah, yeah. He is what 50 % of men have looked like on financial audit. He is what I call a rural Lomar Jack. A piece, trucker hat, big beard that is unkept. Yeah. Ew. Okay. Well, good for him. I guess he got some vagina. Okay. Well, what do you think your financial score is?

40:07Zero to 10. Zero being horrendous. 10 being incredible. I would say a one. Okay. Sounds reasonable. If you want your Hammer financial score, see where you stand in the world of money. It is free. Take the assessment. Just takes a few minutes at calebhammer.com. You can see where you suck, what you need to do better, and where you're already doing pretty good. So see where you stack against most Americans and where your finances are. And if you don't want to be like a guest who ends up on the show, and you shouldn't be, then download the DollarWise budgeting app. New features being added every single month.

40:36In fact, at the time of this video coming out, likely we had our massive relaunch. And if not, it's about to come out in like a week. Guys, it's going to be incredible. It's going to be the budgeting app of the future. Just take the free trial, DollarWise.app, our link in the description below. And only through the end of March and then gone forever, if you sign up for the annual version, which most people do because you save 50%, I will sign my budget-friendly cookbook and mail it directly to you. Only available through the end of March. Get it now, and it's going away forever. Let's jump into these numbers.

41:05Hey. So what did you make last month? Probably it would have been a little short because it would have been before my raise, so probably like 35, maybe 34. 38. Did you work extra hours? Did you get paid if you work more? Oh, I probably got tips. So if I work alone in the store and there's tips going through the system, I make those tips. But if I were - People getting their Brazilian berries? Why are they doing that? Okay. And how much did you spend?

41:34Probably like 37? $3 ,779. Some 14 cents. Basically everything you made. Certainly more than you normally make on a monthly basis. But only a couple hundred bucks. A little more normal than most, you know, a little better than the average financial I guess. Actually, shock me because I didn't look over it before because I thought it was going to be a lot more. Well, it's still horrible, though. And you do not get to your goal. You do not get to the ultimate Disney goal with that. And again, take away the OF and you don't even make that. You don't even break even. Where's it all going? Expenses like rent and stuff like that.

42:09My car payment's pretty high. My personal loans are a little bit up there. and then probably, you know, I got my Sprite habit that doesn't die because, you know, I can't have too much sugar or caffeine. So Sprite Zero is my love. Why don't you spread on Sprite Zero, you dummy? A lot, a lot. Okay, dude, just make whatever, like, the lemon-lime flavor is from Gamer Subs. Just make it at home. It's zero calories. It's a hydration drink. It's just as good, and it's 40 cents a serving. You can get your free samples with code Caleb, see what flavor you like, and then get the flavor that you want in bulk, 40 cents a serving.

42:48No more stopping in and getting some bullshit. Spending hundreds on Sprite Zero. I mean, there was minimum$500 on bullshit last month. Minimum$500. Yeah, probably, because I was probably preparing for the Disney trip too or for our move, so it was probably just bullshit spending. When was the Disney trip? Or when is the Disney trip? The beginning of December. So you just got back. Yeah, we just got back. And the move? The move already happened. The move happened in November. So you're not preparing for the move. What the f*** are you talking about preparing for the move? F*** your move. Your move was in November.

43:18This is last month. This is December. What are you talking about? I believe you have documents from October. That's true. That would be so far back. Why? No, it's November, you dumb c***er. Okay. Shut up. I don't even know what you're talking about. I just couldn't remember which one I sent you. Well, it still matters. Like, again, you say you don't borrow from your mom, and then I call you off for borrowing from your mom, and I'm like, oh, I borrowed from my mom. So it's like, don't try to lead astray. It's like, oh, it's kind of been done. This was the month right before moving. Oh, wait. Oh, it is actually once we moved.

43:49But that would still be because they're still moving expenses because we just moved. Okay, moving expenses isn't bullshit. I called bullshit out on moving expenses. Bullshit could be moving expenses. Probably not. Going out to eat, doubt. Yeah. I've moved across the state of Michigan. It ain't that big. Pretty short move. Not crazy. No, it was only about three hours. Uh-huh. It wasn't bad. Nope. It's like going to Austin or Dallas, and that's barely even an inch in the state. So that's nothing. So, you know,$500 in bullshit isn't just going from east to west of Michigan. So have you looked at what your rent's about to be once we move out, if you can move out?

44:26I have looked at different places around the area because I usually still stay local due to my job. No shit. Well, okay, listen. Some people can move around. I can't. So it's probably going to range between like$900 to about$1 ,200. Well, again, in your income, that's not necessarily horrible, but when we get all your debt together, how much debt do you have? Total with student loans, probably around like$40 ,000 to$50 ,000. $50 ,000? $50 ,000? With the car and everything, yeah. And there's a crap ton of just individual debts leading up to the student loans. Student loans are only 14 of that, 50.

44:59The rest is just horrendous, bad, disgusting, horrible debt. Yeah. Yeah. So how are you going to move out and afford a place of your own? And then are you going to... Kim over? No, I would make sure that he's like, okay. Like we would - Make sure he's okay by giving him extra money? No, I would talk to him and be like, hey, if you can't afford it, you need to move out. Or if - You're going to cover that whole place? What is it going to be? $1 ,400? $1 ,400. Okay. That, while adding all this debt that you're not even making progress on, while spending more than you make, while spending hundreds on bullshit on a monthly basis, how are you paying for$1 ,400?

45:36I'm going to have to figure it out. I'm going to have to really push my only - start really? Oh girl, who the okay. I'm glad you got a couple signups. This thing isn't growing more than like a couple hundred a month. Dollars. Be something to help toward the debt, won't it? Yes, but I would rather refocus your energy to something more productive that brings in more money. With my job, it's too demanding. I can't. I've already tried. When I moved out the first time from my ex a year ago, I worked for Domino's as a delivery driver, not at my store. You worked out a year ago? Yes. I moved out February of 2010.

46:10Why did you get back? What the f***? What then? I got back because I thought we could work it out and we needed help financially. And so I moved back in thinking we could work it out. We tried and then it just didn't work because I couldn't trust him. Want to know a dirty little secret? And no, I'm not starting an only f***. You're not broke because you suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck. that is bad tracking. And it's exactly why I use DollarWise. It shows you exactly where your money's going every single month.

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47:33Okay, so you got a second job. Why can't you get a second job? Well, I did do the second job and it was draining. It was to the point - No shit. Welcome to working a shit ton. But you're taking care of the shit that you got yourself into. I don't care. And I was having to leave that second job to go back to my first one because I had to handle emergencies because I'm a general manager. Anything that happens in that store, I have to be there. Then is it the right job? Yes, because I love it. That's not the reason why it might be the right job. And it's the most I've ever made without having a degree.

48:02Yes, that is true. But you will be able to roll this general manager experience into something eventually. 100%. And I'm improving my LinkedIn and my Indeed even as we speak. Like even last night I was working on it. Okay, well how about your actual resume so you can apply to places. But even still, we had someone, general manager at Macy's or an assistant manager. She made like$70 ,000. Yeah, it's a smaller company. We're a franchisee. We're growing and I don't know. And they're not entitled to you. Go make money with better vacation time and pay off debt better. It's something I can look into.

48:30I like the company just in general right now, so I'm willing to sacrifice now. I'm glad you like the company. It doesn't mean it's always the best. I liked Jimmy John's. I legitimately enjoyed being a delivery driver for Jimmy John's for, what was it, like four or five years? It doesn't mean I should obviously stay there. It's not the best for me. Yeah, but there's also about happiness. There's points where you have to. And how happy are you not fulfilling your dream? How happy are you not being able to pay the rent when you're on your own? How happy are you to have all this debt,$34 ,678 in bad debt, including an additional$14 ,154 to student loans of a degree you do not have.

49:05How happy are you with all that? I would suggest not. How happy are you when you try to go get a job to clean all this up? You have to get called in for the job that you are so happy about. How happy are you working 50 to 60 hours a week and only having one week off? Happy? You happy. You don't know happy. You haven't seen happy. That's not necessarily a slight against you, but I'm sorry, you haven't seen the sunshine on the other side of the fucking hill. Compared to the other jobs I have worked for. Yes, I agree, but we're always trying to move up. We don't just stay stagnant now because we have found the happiest so far.

49:36But I have to fix my resume to match to meet those qualities. Yes, but that takes a half a day. I understand. I'm a busy person. I haven't had the time. Busy person. You're taking feet pics. Shut the f*** up. You literally just stayed over at this nasty-ass, morbidly obese, bearded, northern Michigan freak's house for over a day, three hours away, six hours drive total, staying overnight and calling Colton from there. Freak? He called me. All right? We had the call on Friday, and then he had to call me on Sunday.

50:08I'm not answering that. Was it worth a three-hour drive? No, I told you no. Then what the f*** are we doing? I wouldn't know until I got there, would I? You could have. No. I don't trade pictures like that. No, you ask how big. I didn't want to. I'm more of an in-person thing. What? I'm more of this. For a three-hour drive, you didn't want to know if it was anything worth? driving for? You don't need to see a picture. Now he might lie. I don't lie. Good to know. Not telling you. I don't need to know. Okay, listen, OF time, time to drive for micro dick bearded morbidly obese northern Michigan man and staying overnight.

50:47You have time to make a resume. I need to make time to get my needs met. You know how you have time for your personal life having a job that doesn't demand 60 hours a week plus coming in for emergencies for only one week off a year by fixing your resume and getting a better job. And then, uh-oh, you have more personal time to take penis in your holes. There's so many benefits to my job. Oh my goodness. I make my own schedule. So I'm able to do these kind of things. 60 hours a week, making your own schedule. Yeah, I'd hope so. But there's not much flexibility in the 60. No. What the f*** are you talking about?

51:19I make it work. I make the time work. Okay, great. Okay, great. You are in delusion land. I'm glad it's the best you've ever had I'm not saying this job is shit it's a better job than a lot of people get but you are in the world of delusion thinking that you just can't, you're not willing to spend a little bit of time on a resume, it's always I will not I have or I do I have been working on my resume what is this? what is this CC bank loan? CC bank loan yeah that you borrowed$2 ,400 for with the total payments of$4 ,231 What is this shit? That was my personal one I took out to move the first time.

52:00To move? You to move from across the state? Hey, guess who moved? This was to move. Where is it? I did this, you little. I did this personally over and over again. Before I went down to Texas, a much better place. It wasn't for that. Move. What move then? to leave my ex the first time. Well, f*** you. Why did that cost$4 ,000? Because I needed a down payment. It was an immediate move, so I needed money. Hey, every single year of my life, except for the house I'm in, I basically moved out every single f***ing year. It wasn't. And I didn't borrow for it. It was an instant move. We broke up and I needed to move.

52:43but why did it cost that much? Well, because I. And why didn't you have an emergency fund? Because I was dealing with a house issue at the time. Oh, always dealing with shit. Yeah. Well, no shit you. were dealing with health issues you were morbidly obese house issues not health what the are you talking about i used to have a mobile home that ended up getting destroyed and we ended up having to go through welcome to mobile homes i know it was rough oh never again it's all taken care of now it's all off my my heart so i ended up being on the insurances thing and whatnot but why did it cost this much money because i had to pay for um the um like the movement fees and stuff like that and then I got extra so that I could have like extra money for like expenses for like in case like I needed extra money for like bills and stuff.

53:28Extra money. The interest rate is 159.57%. Yeah, I didn't see that when I signed. What's the balance on this? Got a couple more payments on it. Probably like, I don't know, probably like $300,$400 maybe. If it's a... Spring is here and there's a whole new way to chai at Starbucks that's made perfect for you. Choose your sweetness, dial it up, or keep things light. Add a touch of pistachio, a hint of strawberry, or vanilla, or make it a spring classic with lavender. Because this season, there's endless ways to chai at Starbucks. Few more payments. It's not a couple hundred bucks. I'm going to say it's about 800.

54:10Let's be conservative. 800 to still pay, especially with interest. With minimum monthly payments, $211.58, which is insanity. And that's bi-weekly. Then you immediately moved back in with the guy anyway. So I don't, like, what the f***? You took out a payday loan to move back in with him? Pretty much, yeah. And why did you move out the first time? Because he cheated on me and I didn't trust him. So that was the cheat. This most recent breakup wasn't the cheat? So it's all together. And his cheat was sending things that weren't private parts but were inappropriate, which I guess we learned in the post show.

54:44Great. Was it his asshole? No. What the f*** else is there? Oh my God. What is there, Colton? Colton. It's a lot. Colton, you have body parts. What else is there? Nipples? And this is something he didn't even know about. Men's nipples? When I told him, he didn't even know what it was. Was it even cheating or are you just a crazy bitch? Hmm. I don't know. I've been cheated on a lot in my life. I know what cheating is. Yeah, but I don't know if you know what cheating is. If somebody gets a sexual arousal from the conversation and the videos and pictures that they get, I see that as cheating. That he get, but I thought you said he gave.

55:16Oh, he gave them too. What, pictures of cum? No, just - What else is there? Oh my god! God Okay

55:36Ask me in the post show have like pro flirting boundaries. Many people, there's a lot of things. Yeah, no, I understand there's open behavior, polyamory, like all that kind of stuff, flirting. Like I understand that. No, there, we're, we were completely understanding that we were completely monogamous in every single way. And, but he was still doing that. Even though you're both sub. That's great. Yeah. So what the f***? This is insane. Have you ever missed the payment? No, it's auto draft. I have everything set up on auto pay. But it's such a trick because you just got a raise switching to the store.

56:22This is a huge percent. This is a big money. It's huge. And it's every two weeks. That's every two weeks? Yeah, the two of them is every... So it's like$4.22 every month. Yeah,$4.23. Round it up. Yeah. That's crazy. Yeah, every paycheck it pulls it. As soon as I get paid, it's gone. That is crazy. Extra credit. It's a personal loan again. What is this for? Total interest paid year-to-date$3 ,000. This is a huge balance. Yeah, that is a consolidation personal one I did with my bank. Oh, and how'd that work? I mean, paying it off, they pull it from every... Yeah, well, you built up your debt again, exactly.

57:04Every fucking time. What's the point? Wait, that's your daily interest rate. What the fuck is your... Oh, it's a 20 % interest rate. It's not even that better than credit cards, honestly. The minimum payment,$155. So what happened here? When was this? I got that. It was$12 ,000 originally. I originally got it back in 2022 to consolidate a bunch of credit cards and an issue from the housing thing. The rental company was having issues, so I just paid them out for it. It was like a lease thing. It was like a payout for a lease. So I just paid out that. And then that was all just all combined. I got it.

57:38My mom co-signed on it with me. No. Yeah. My mom works for the bank for that. Oh, my goodness. She's really enabled you in every way whatsoever. Because without fixing your behavior before doing this, she probably doesn't even know. You probably just got all up again, which we know you did. So what are we doing? But I'm confused because I'm being told you actually got this down to$7 ,000. I did. So it is certainly not 7 ,000. I'm a spoiler alert. It's three more. Yes. So back in October when I found out I was getting transferred over to the Grand Rapids area for my work, I increased it to$10 ,000 to get my mom off of it as a co-signer and to give myself a little extra money to help because.

58:20You took three? Yeah. Oh, for f***s sake. For that move? Two. So you borrowed for every move? This move was paid for by my boss. Dude, I have never had a move other than into my house when I just had money now. I've never had a move that has cost me more than just a few hundred bucks. I don't get it. How does this happen? That three grand was to help subsidize income because my ex was switching jobs. That's his income. I understand. But as us being together and me being a person that doesn't like to see him struggle, I wanted to have the extra money. For the enable, for the enable, for the enable.

58:52Are you going to stop taking care of him? I doubt it. It's been two weeks. I doubt it. I don't think you can. I've stopped doing everything for him. For two weeks? No, I'm like, it was before that I slowly stopped doing things. And what has he said or thought or done? He thinks you guys are still together, so. I don't know why he still thinks that. We don't act that way. At least I don't act that way toward him. Yeah, but what does he think of you all of a sudden and not taking care of him and whatnot? He just does things on his own now like he did before. just he hopes that the things that I was doing before, I might actually still do.

59:25Well, I like the refinancing to get your mom off it because you shouldn't have your mom on it, but to take an extra three is crazy. Yeah, no, I think - To subsidize how long? It was only to subsidize for the rest of the year. So two months, November, December. Yeah, two months. And where'd it go? Went into different expenses like gas or things for the apartment. rent. You're not going to be able to survive on your own. What are we talking about? Especially if he moves out. What the f*** are we talking about? There's not a chance. You had to take out a personal and try to make it. There's not a chance.

59:58That was because of his income. I know. And if his income's zero because he's gone, then how, it's just not a little less food costs, a little less electricity. Other than that, the rent is still high. You're right. But with all the costs that I spend on him in those times, I won't be spending on him anymore. What? What were you having to pay for? Food. I spent so much. I just said, but food will... Yeah, but you get a budget. Okay. I don't know how you're going to be able to survive on your own. I don't know. I don't know. Where do we get it? Oh, he's pissed you're here. Oh, yeah. So I applied back in October originally so I could come in 2025.

1:00:35You guys called me like that day. And so I was picking up there. It was awesome. I loved it. And I ended up declining. Can't remember.com slash apply. and I I went home and I was like listen I told them maybe but I think we're gonna email him tell him I want to do it like right immediately and he's like why would you want to do that he made it very like like it was like a problem that I was doing this like it was like such a bad thing like I was doing something illegal or doing something wrong and so I was like I'm not including you on any of it you don't even have to come with me I'm doing this for myself so I can get my better in a better place for us as a couple so I can one day hopefully you know pursue the future we want together because we wanted kids together we wanted a house like he wanted all that October a couple months ago okay and he I lost my train of thought I'm sorry he was pissed yeah so he was so he was pissed and he's like no I just don't think you should go and so I let it go I was like okay I'll just reapply again and then around Thanksgiving I said you know what no this I need out and I need something better I need someone who actually appreciates what I do for them in a sense and and gives me what I need in a relationship and so.

1:01:42What do you need? I need someone who will be ambitious like I am. I am hardworking, I am ambitious, and I am driven. Now that I'm not 450 pounds, I have all this energy to do all this sort of things, and I can't get him to even plan a date, Caleb. I have planned every single one of our dates from the first one all the way to now. Yeah, he sounds like a loser. Well. I even, for Christmas, bought him one of those scratch-off date books to make it easy on, to just scratch it off and then he planned it and I couldn't even get that. Okay, so you owe money to your mom,$1 ,500 for what? Random expenses from on the card.

1:02:17Huh? From what? Either from the Disney trip or from, you know. So what card specifically? You mentioned the card. What are we talking about the card? Go into more detail. I have a Discover card that my mom got in her name and I'm an authorized user. She has. She has it and I'm an authorized user and I have a card of my own permit that she allows me to use for any emergency expenses, anything I need, that kind of stuff. And then she just tells me to send her the payments back through our bank because we have the same bank. So what are your payments then? You owe$1 ,500. What's your minimum monthly payment?

1:02:50Just whenever I can pay. Oh, come on. You don't have a scheduled minimum monthly payment with her? No. So I send her$100 every pay. That's what I agreed on. She'll either send it back to me when she knows I do not need to send it, like when she doesn't need it or not when she needs it, when she thinks I need it or she'll just hold on to it. So it's like$100 every chance I can. I'm confused. I mean, I'm being told you thought it was good because you got an inheritance from your grandma. So what the f***? Yes, I did get an inheritance from my grandma. My grandmother passed away in May. And that's normal and I'm sorry.

1:03:20And what did you get? And where the f*** is it? Because you're dead broken. I got just under nine grand from her. Okay. Grandma didn't have much. That's okay. It spread through a bunch of all of us. She had a good amount, but a lot of it went to her kids, and then it went to grandkids. There was like 13 of us. 9 ,000 didn't go anywhere, it seems, or it went everywhere. Well, as I've talked about, I'm a giving person. So one of the winning expenses was I bought a couple of things for my, I'm an online gamer, and I have a couple of friends who are. Oh, my f***, dude. Yeah. I got a big PC build. What did you get, you f***?

1:04:01I built it myself. About what? What components did you get? I understand. I don't, okay, I don't remember because it was back in 2020. I don't know what's in your computer. Oh, it was a long time ago. Yeah, it was a long time. It's a really old PC. It's a long time ago, but it does what it needs to do. Oh, you bought your ex a brand new PC too. Yeah, so that's what I was going to get into. So yes, what they heard is. For his furry art. Yes, because he is a furry artist. What did you buy on his PC for his PC? What was it? I bought the whole thing. Yes, what did you get him? What the f***? Michigan.

1:04:31Whip or come back on. We got to talk about Michigan Education. You said what on the PC, sir? You said what on the PC? I bought him. I think it's a... Oh, my gosh. I cannot remember the brand. I know. MTX or something like that. Bro, just like, is it good? How much was it? $2 ,500. And it's good. It's got... How can you even afford to get here? I know we reimburse you afterwards. How did you even afford to get here? I put it on my mom's card. Oh my. And then I'm going to send it right back to her so she can pay it off.

1:05:09Yeah, so the PC. So again, I don't know the specs, but it's a decent one. I don't give a fuck about your PC anymore. Yeah. 2020 was a long time ago. I don't care. No, his PC. When I just bought. You just bought? When was it? Oh, I just bought him that one in, I want to say August. How? How did you afford that? The inheritance. Oh, that was when? Oh my. Yeah. That's why. What is wrong with you? Using grandmother's money for a PC for a guy that we've broken up with once because he cheated on us and are ready to break up with him again? Yeah. Did he stick it in another woman? Physically, no. What?

1:05:49I am hyper against cheating, but with the language you are using, I don't... It'll make sense in the post-show, Kayla. Oh, good. Oh, goody. Listen, I'm just trying to be respectful, okay? Be respectful. You're going to respect the cheater? Yeah. Uh-huh. Respect the cheater. I'm not happy that I respect him. Okay. Oh, debt to owe to family and friends? No, no, no. To a friend,$500. To a friend,$500? Yeah. What do you owe$500 for to a friend? Yeah, back in like 2021, I needed help with rent, and so I asked him. Bro, from four years, five years ago now. Yeah. Five years ago,$500 for rent, and you haven't paid that back?

1:06:33You dumb b****, but you f***ing gave him a PC for$2 ,500, and you haven't paid back your friend? What is wrong with you, selfish? I bought him the PC because the one he had broke, and art is his life. Hey, you owe a friend$500 from five years ago. And I'd rather not have a depressive f***ing in my house because he can't draw his art. Doesn't matter. The brain could knock the f***ing drink on his PC, which lied to him about that and said I did it. No, the dog did it. So he didn't freak out on the dog. You peed on the PC? No, the dog dropped one of his drinks on his PC. And the dog said you did it?

1:07:07No, I said I did it. To who? To him, my ex. Why? So he didn't freak out on the dog. He would hit the dog? He would be upset with the dog. To the point where he wanted to get rid of the dog. Like he was, by that point. Is it a bad dog? No. Knox is a wonderful dog. So he just has a low temper when it comes to things that don't go his way. I'm not the best tempered person either, but I don't take shit on dogs. We both love that dog. That's just all I'm going to say with that. I like how you can't give me any details about anything. I'm not going to say that he abuses our dog. Well, does he? No. Then say he doesn't.

1:07:44He doesn't abuse the dog, but there's definitely points where he doesn't take care of him like he should. That's just straight up. That's animal abuse in my book. I love when I apply to come on a podcast and then can't talk about things. There's certain things I just can't talk about due to respect. About how someone treats a dog? I'm sorry. I consider that f*** you at that point. If you're a piece of s*** to dogs. Cats. I get it. Okay, so mommy paid for the trip. You can't pay off your friend from a few years ago. But if you had enough money, okay. Did you buy his PC the day you got your inheritance?

1:08:16No. How long did you have your inheritance before you bought his PC? A couple weeks. Why the f*** did you not pay back the$500, you selfish? Because I forgot about it. Oh. I did. Oh, yeah. I have a goldfish brain. So if things aren't in front of me at all times for me to look at, I don't remember them. And so that was in my notes of debt that I just forgot about until we were talking about all of this. And. 1 ,888 to collections for what? Probably. One of a$350 lightsaber at Disney as well. Yeah. Yeah, as this Christmas gift. Bro, pay back your friend. What is wrong with you? What is wrong with you?

1:09:00Pay back your... Are you still friends with this person? Yes. Wow. You sound like a horrible friend. I don't say I'm a horrible friend. I would say... No, I do. I wouldn't consider myself that way, and I understand why you would, but the reason I don't is because... Yeah, because you have their money, and you haven't paid them in years, even though you've had money to pay them for years. Because they know what I've been going through. They know what I've been doing, so they know that when I have the extra time... respect the guy who cheated on you for cheating on him. I love respecting people that cheat on me and respecting them for that.

1:09:29And when they do something bad to a dog, I love respecting people for that. It's interesting. So why'd your mom think you came down here that you borrowed money from that you probably won't pay back because you never paid back money because you get things that you want instead of paying back money? I will pay her back as soon as I can. Yeah, you have a historic representation of that. I believe that. Including your friend, will the money go to your friend? The money should go to your friend. Will the money go to your friend? the moment you get your reimbursement? How much did it cost to get down here?

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1:11:07The first one is Chime. This is a checking account that I personally use and you get up to a$350 bonus with a new chime checking account and earn up to 3.5 % APY on your savings. And second, my investing app of choice these days is Webull and get a 2 % match on all of your money that you transfer over. And finally, sign up for automated investing with Acorns. Typically, the signup bonus is only five bucks, but with my link, you get$20. Ladies and gents, you get money. I get money. Enjoy. Links are in the description below. Flight-wise, it was like, I don't know,$500. Okay, so you'll have a little more to give to your friend.

1:11:44Sure. Yeah, I'll give it to him. Will you? Yes. So your mom knew you came down for financial audit. No, my mom knows things I'm here for work. So you lied, you borrowed and lied. So you cheated on your mother financially, infidelity. I am a person to have a comment. Does she respect you for it? No. She will think I should have just told her, but. Yeah, whoa. But I will explain that because the reason I didn't tell her is because I'm an in-person with my mother. I'm an in-person of telling her things like that. Oh, what a cope. That's a cope. I'm, I'm an in-person when I tell my spouse that I someone else and when she said I couldn't.

1:12:19It's waiting until the perfect moment to say it so that it would be excused. My mom works for a bank. So she has amazing finances. She does well with her finances. You know how many people who work for a bank I've had on the show? No, I understand. But no, what I'm saying, my mom is really good for finances. But what I'm saying is that like, I did not want to admit to her that I was going on a financial show instead of just going to her for the help. I did not want to have that moment. Thank goodness you didn't because she would just enable you. She always did. So what's this collection? $1 ,880?

1:12:48That is probably the old apartment that I used to live in Nebraska. Nebraska? I lived in Nebraska for four years. You look like you were hatched in a field in Nebraska. That makes sense. That makes sense. I don't know if that's good or bad. I like Nebraska but I definitely wouldn't live in you like Nebraska I liked it yeah it was nice I liked living there I met a lot of a lot of fun people in Nebraska yeah you met people yeah one of my best friends lived there and do you not pay your best friend back that one too no no he didn't of course not of course you don't I don't owe anybody else money nope just endless collections including the extra 639 what's this for probably a credit card great so why do you owe a previous apartment in Nebraska.

1:13:32So when I lived there, I lived with a roommate who we got it in July. Here comes someone else's fault. And then not long after that, she started dating this ex who was a felon. Ex? Did you mean ex? She dated, well, it was an ex at the time. I think they're married now. I don't know. I don't know if she's really going to talk anymore. But either way, she started dating this guy who was a felon. Good for him. Moved him in without telling me into the apartment. Okay, is he a dangerous man? Well, yeah, he was a... There's a lot of felonies. Is he dangerous? Yeah, He was a domestic violence felon. That's not good.

1:14:04We don't like that one. Exactly. You'd probably respect someone for doing it, but. No, but anyway. So she moved him in without telling me. Like I went away to visit family and I went home to visit family, came back and he was moved in. Told her that she had to get him out. Like it's not, like you can't have that. He's a felon on our lease. Like you cannot, like we can't have a felon on our lease, let alone living in here without being on the lease. And so I talked to the apartment complex. I said, hey, can I just switch. Were you on individual leases or a shared lease together? It was a shared lease.

1:14:30so I yeah you signed that contract yeah no 100 % and so when I when I moved out why were you telling Colton it was all their fault then and they you over I would say they me over because here's why so when yes I know I'm getting there so when we when we redid the lease I moved into a smaller apartment to you know make it more cost effective for me when they redid it they messed up the paperwork and said that I moved that I the lease started in November they were just supposed to renew the lease in for July okay when we first moved in, but they didn't. So when I planned to move out in June, when I planned to move out in June, I told them like, okay, hey, my lease is ending.

1:15:11I'm moving out. Here's my notice. And they said, no, your lease is up in November. It ended up being a whole fight. And so that's just the last month's rent that I'm really refusing to pay. Well, what contract did you sign? Contract said that it was supposed to be up in July. Did you show them that contract? Yes. And? And they refused to accept it, saying that due to the re-signing with the new lease, With her going off it, it was supposed to be the year. Was the new lease showing? The new lease, all it said was that it just removed her. That's all it was, was that removing her off the lease. I know.

1:15:39That's why I'm like. Okay, collections, 512 for what? Probably a credit card. Why weren't you paying credit cards? When? That one probably was from like 2022. This and the last one. Why? Plus another 257. Why? Why aren't you paying credit cards? Probably because I just couldn't afford it. Just couldn't afford any money in payments because I didn't have the money in my account. Why? Why? I know you're still getting your ass to Disney. So why? Bullshit spending, I'm guessing, then. Disney and, you know. You don't feel like you're going to pay it back. You're not going to pay it back. My credit cards?

1:16:14Probably not, no. The collections? Why? So you spend other people's money. I will pay them back if I have the money, but I don't have the money. You don't have the money because you spend all your money on bullshit. You can pay off one of these a month just with your bullshit money spending alone. Fuck you, Disney. What are you talking about? Fuck you. Okay, then I'll sit down and I'll budget out to where I can. I can't pay those. I would like to. Girl, you literally got a$9 ,000 check from your grandma. What are you talking about? And then I gave it to people who I thought needed it more. Yeah, I probably should have put that toward all of my debt, and I'd probably be in a way better position, but I didn't because I felt like the people in my life needed something more.

1:16:48My ex was one of them, and do I regret it? Yeah, I do. But here is the thing. I did it so that they could have a happier life. The one that I bought a guitar for, he's the happiest man I've seen him in a long time because of that guitar. Who'd you buy a guitar for? I bought a guitar for my friend in Belgium. Your friend in Belgium. Have you ever met this friend? We video chat all the time. You've never met this friend? Not in person. Oh my. You're getting milked. Yeah, you're getting milked. You didn't ask me for it. You're getting milked. Yeah, but you're getting milked. Milked. I don't want to admit that because I don't feel it that way.

1:17:26You have a Chevy Equinox. I do. 2020. Home state buyer. Okay. 2020. We're super excited. And a 16 % interest rate of death. Why? Because I needed a car. Where'd you get this needed a car? I got it back in. So what happens when you have collections on your credit, by the way? You could have saved yourself more money than paying off your collections by having a lower interest rate, most likely. Having a better loan. Right. So when? I got that back in 2021. August 2021. Yeah, that was not interest rates done. We were in better interest rate territory. What the f***? Welcome to having the consequences of your vehicle.

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1:18:47It was$24 ,000. What is wrong with you? Why did you not get a$10 ,000 car? What the f*** is wrong with you? You put some winter tires on that shit. Because I wanted something bulky. Wanted. Wanted. I know. There it is. How'd you afford this? You were letting credit cards go to collections at the time. How'd you afford this? I took out my 401k. Oh my f***. What is wrong with you? How much did you take out? $36 ,000. Oh my goodness. And yet you still have a loan on it. On the car. Where'd all that money go? So I did put a down payment on the car and then some of it went to certain debts. Some of it went into savings to save for expenses, like emergency fund and stuff like that.

1:19:32And then I did pay my mom. She asked me for a couple grand to help repair a car for my sister. To your mother, the financially well-off mother? It was technically a payback. Let me be clear. It's technically a payback. Okay, well, there you go. Yes, it was a payback for something earlier in the earlier in the year. What do you think this car's worth that you owe$15 ,175 on? Probably around like 15 % interest rate. $13 ,000? About$13 ,000. Yeah. I think when I looked it up because I do, I do want to get out of it. I do kind of want to. I'm confused. You're answering questions correctly. Why are you so f***ing you're allowing it?

1:20:05You're so informed. This isn't ignorance anymore yet you allow it? Yeah. Get out of this f***ing car. Get a 10 ,000 hour car to better interest rate. What the f*** are you doing? I wanted the car one for safety because I feel very safe. I know what you want. I don't give a s***. Feel? Modern cars are safe. They'll be fine. You're not getting a 1995 car. I know, but at the time, I wanted the Equinox. At the time, I'm saying no. I'll sell it now. I'll sell it. Good. I've thought about it. That's why I knew the price around, because I've been looking at the selling it. Don't get me wrong. Yeah. Sell it.

1:20:36Save yourself 5 ,000 hours of debt and a lower interest rate. Okay, student loans. So what the f*** did you do? Because you said you don't have a degree. Yeah, I went to school for psychology. Clinical psychology. Mm-hmm. and how much school did you do? I went, I'm a junior technically so I have like, I would only have a few more sponsors. You're not a junior, you're not in school. Well, I probably only had about maybe a year and a half left to be able to get my bachelor's. Hey, you dumb absolute. What? Instead of actually paying off your shit, instead of actually taking care of this, being a responsible adult, setting yourself up for success when breaking up with your boyfriend, needing to move out, instead of actually paying back your friend or paying back your family and friends, you literally just bought a motorcycle from your aunt for$2 ,500.

1:21:19Yeah. What is wrong with you? Yeah. Okay. So the same, the same. What is wrong with you, woman? So the same day my grandmother died, I was at a funeral for my grandfather on the other side of the family. Yeah. Old people be dying. Yes. That sucks. I'm sorry. And at that funeral, I was talking about my, to my aunt, they're like, oh, one day I want to buy a bike. Like one day. It was a plan down the road. Like we weren't, we knew we weren't ready for it, but we were planning, we were thinking about it. Did she death sympathy sell you? She death sympathy sold you? She said she had an old bike that she was wanting to sell.

1:21:56You death purchased. And I said, well. You death purchased. You're a death purchaser. Yeah. So as soon as the inheritance came in, I set it aside. It's sitting at my house. Yeah. It's sitting in my apartment. She death sympathy sold you. I have a love for motorcycles just from a kid because my grandfather and all that. Which is why associating with death and nostalgia, you then spent$2 ,500 on it instead of taking care of your shit. Yes. You death purchased a motorcycle? You should never death purchase. Never death purchase. In the moment, I truly, truly just wanted to... Welcome to a death purchase.

1:22:31I know. And you had a double death. That was a double death purchase. Technically, yeah. Well, yes, two people died. Yeah. It wasn't figuratively. Yeah. And I'm sorry again. No, it happens. I'm going to be broken when that happens. Not looking forward to it. So you must drive it around a lot. She's holding on to it right now. Okay. She was supposed to bring it to me in August. Sell it, you f***. No. It's a sentimental thing. Yeah, because you death purchased it, you f***. I understand. You shouldn't have death purchased it. No death purchasing. Death, sell it. Wait for someone else to die and death, sell it to someone else in the family.

1:23:11I would sell the car over the motorcycle. Okay, death, sell your car. Okay, I'll sell it. And then drive the motorcycle in the dead of winter in West Michigan where lake effect snow happens. That is the problem, yes. Well, that is the problem, which is why it's not realistic, which is why get rid of the bike, sell it to someone else in the family, dumb tit. No. No. No. You know what? No. Why? Because that is something I truly, truly. Truly, truly can't afford. You're right, I can't afford it. But I, because I have no other way to connect with my grandfather and that side of my family anymore. A bike?

1:23:44I'm sorry. Are we really doing the inanimate object thing? Are we doing that? Is that a thing we do? Do we do that? I don't think we do that. Especially for motors and gears. It's not an urn. If it was an urn, I'm not saying sell the urn. Like a keepsake from a family or a ring or something like that. That was like grandma's ring. People have had grandma's ring on the show before. I've never said sell it. A motorcycle. Something that will likely lead to your own death. All I can say is I'm not going to be stupid with it. That's all I'm going to say. Yeah, I do not trust you for that. You don't got to trust me.

1:24:16All I'm going to say is I'll be safe and that's what matters. Why do I even believe that? The fall death injury rates for motorcycles might fall so hard it kicks your jaw into the center of your face.

1:24:30That'll be my own fault then. It'll be good. Very true. It'll be good for me. Why did you drop out of school? Well, I went out of psychology school recently because I— Recently? Yeah, it was April, May. Wait. In the fall. You accumulated this last year? This has been over since I was over 18. I've been in and out of school since I've been 18. Why? Just different schools. So I went to community college back home first to get my grades up. I was supposed to actually come out to San Antonio for school for powerlifting. For powerlifting? Yeah, I'm a powerlifter. For powerlifting? Yeah. School for powerlifting?

1:25:12Capitalism has gone too far. No, so I would go to college and powerlift for the college, like a sport. Why didn't you if they were paying for school then? Because I got recruited out to Illinois for the same thing. They paid me more. And you went there? They paid me more, yeah. To? Midland University. Or sorry, McKendrick University. It's a southern, it's a private school. Southern private school in Southern Illinois. In Southern Illinois, private. And they covered your college? Some of it. I had to take out student loans, of course. Oh my goodness. To power lift. Okay. For fuck's sake. Do you have minimum monthly payments on this?

1:25:48No, because I just started ending school, so we haven't. You just started school again? Or I just stopped. Like I just stopped going to school? Well, it's going to pick up again. It's probably going to be like 150 bucks a month. Yeah, yeah. I haven't looked into it, but I'm going to. Probably 200. Oh, yeah. You should look into it. And then I also did culinary school as well. Oh, you can't bite down on things. I was a bakery, baker. It is soft. Okay. Yeah. And I didn't eat it. Well, I did back then, but I don't eat it now. Yeah. Make gluten-free shit. I don't want you to be a baker. I definitely make a lot more gluten-free shit now, yes.

1:26:20Nasty ass. Okay. $5 in this checking. Is this a other loan or is... No, I already saw this one. Okay. Yeah, same bank. So it just kind of came together. Checking account, 900 bucks, down from 1 ,000. Savings is flat at$5. Five, five. Withdraw courtesy fee. McDonald's! Come on, what the fuck? McDonald's, former fatty? Dude, McDonald's isn't that dangerous? Okay. Amazon Prime. Courtesy withdraw again. What does this courtesy withdraw constantly? Probably my weed habits. Why is it a courtesy withdraw pay fee? because I pull it from the ATM in the dispensary. So losing teeth and smoking weed. Northern Michigan.

1:27:05Hulu. Withdraw fee, withdraw fee, withdraw fee. Discord. She has a Discord kitten. Paramount Plus. I canceled it. I canceled it. Great. Withdraw fee, withdraw fee. Spotify, Crunchyroll, f*** off. Big Apple Bagels. Amazon. Meijer Express, Meijer Express. Plus YouTube membership, which is the best one and number one on YouTube where I guess we get all the interesting stuff, is when you click that join button, join Hammer Elite, join the literal 50 ,000 people or whatever. It's so good for a reason. Coin Master, Coin Master, Taco Bell, Crunchyroll again, Blizzard. You eat like shit, dude. That's the thing.

1:27:45Jersey Mike's. What? Jersey Mike's? There's no small Jersey Mike's. Texas Roadhouse. They have many sizes. Coin Master, Coin Master for$1730? Coin Master, Coin Master, Coin Master. What is that? Coin Master is a mobile game that I spend money on when I'm bored. Like hundreds of dollars. Yeah. What the f*** is wrong with you? You owe$500 to your friend. You're a bad person. Jersey Mike's withdraw fee. Withdraw fee. Meyer, that's probably groceries. Coin Master, Coin Master again. Total overdraft this year, so$488. In this period alone was two overdrafts. Yeah. Oh, you're done. You're done. 401k, do you still have one?

1:28:28So I do have a 401k with my work. What? Okay. And how much is in it? It's around$4 ,000 right now. Great. They just started in July. Almost$40 to$4. Okay, let's get your debt minimum monthly payments. I'm putting your student loans in there because they'll kick in any time now. Okay. Okay, it's about to be$1 ,278, but hopefully the student loans kick in by the time that payday loan one goes out. Your rent, let's say$1 ,000, because that's what it's going to be. What's your utilities alone going to be? Expensive gas in the winter, expensive electricity in the summer. What? I would say probably average it to like$150, because right now all our utilities...

1:29:09Including internet or outside of internet? I would include it because our utilities... Internet into$150, though? Yes. Okay. I don't need expensive order. Okay, phone bill. My mom pays for it because it makes it easier. Do helium if T-Mobile's good there, and it should be. It's Grand Rapids. Do helium. It's cheap, like$15 a month. I'll also give you a course career certification so you can continue laddering up in the career world. And also make sure you use the Fizz card. It's the debit card that builds credit because you can't be trusted with credit. Look what you've done. Okay, so we'll get those resources to you.

1:29:40And we'll also get you in the Master Your Money program. Gas, how much on a monthly basis? Vroom, vroom, drive, drive. I would say probably budget for around probably$200. Okay, car insurance. It's under my mom's. You have every opportunity to do well. $300 for food, TP fund, anything else you need to survive,$100. Medical, health care, their co-pays, monthly basis, medications, urine therapy. How much? Oh, overdrafts was$1 ,088 this year. $1 ,088, not$188,$1 ,088. Oh. Dude, you're, oh my, good luck. No, you put on a good face, but you're... I don't get overdrafts that high. That's historic. You're...

1:30:21Yeah, I didn't know it was that bad. And payday loan? Good luck. Okay, yeah. Yeah, co-pays in a month. What? I would say probably, let's see,$150. Jim? Yeah,$20. Subscriptions, I'll try about$40. Anything else that needs to be in the budget? How much for the dog? Pet insurance, let's do$50. I have a cat, too. pet insurance and renter's insurance is altogether$110. Okay, hopefully it's good pet insurance. How much for pet food? I only pay for the cat's food, so it's probably only like$20 a month. Yeah, but you're about to move out, and I don't think he wants the dog. Oh, he wants the dog. He made it very clear.

1:31:01What? This makes no sense. I cannot wait to learn about this guy in the post show. Guys, if there was an episode of Sign Up for Hammer Elite, this is the one, apparently. It's going to be the one. You barely make a wiggle room, but$3 ,368. but I know one of those debts is going to fall off soon the payday loan but then student loans will replace about half of it here pretty soon as well so you listen right now at $3 ,368 you have$232 left over you're about to have$432 left over but at$232 student loans is not an emergency payoff but that's not even going to include in the$3425 divided by 432. It still takes a really long time.

1:31:48It still takes five years, even with the payday loan being gone and not focusing on the student loans at all. The student loans will still be there. It still takes five years. Yeah, it's time that we leverage. We need to just go make more money now. You've just put yourself in a really bad debt situation. That doesn't include collections either, which will keep your credit score low. Now, yes, I would sell the car, get a$10 ,000 car, hopefully better rate. I don't know with your collections and debt to income. That might be hard, but at least save$5 ,000 there. Might save us about six months or a year in payment.

1:32:19That helps. Might be a four-year process. Get a better job. Use the certifications to course careers or work a second job and stop this feet dumbassery and maybe we get this down to three years. But I think that's our path now. Or the feet could take off and... Or shut the f*** up. Come on. You got to embrace it. All right, I'm done. I'm done. Join the post show. we're going to learn everything about the guy finally when i want to know everything and what this cheating not cheating bullshit whatever i don't it's going to be good hammer financial score first though spending in a budget you spent slightly less than you made but it was more than you say you normally make but nothing went to actual debt or anything beneficial so two out of ten debt collection zero out of ten emergency fund nothing zero out of ten retirement dramatically behind at your age.

1:33:05I'll give a two out of ten. Real estate, zero out of ten. Get your Hammer financial score at CalebHammer.com. Hers is a one out of ten. Click join. Join Hammer Elite. Best membership on YouTube. Three premium shows posted every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. It's great. See you there. What did he do? He is a furry artist, but he's an inflation-free artist. What does that mean? It means he likes to make his art very bloated, like balloon-like. And he likes to do that to himself in person too. He likes to do what? He'll take a... and a hose and put it up his...

1:33:46and then turn it on. And he gets like off by doing that. Oh yeah. I've never heard of anything. Oh yeah. Camera Elite is the best YouTube membership on the platform. And I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join, and that's a promise.