Failed OF Model In Debt For Taylor Swift | Financial Audit

check us out on YouTube. - Why being told you do OF2? - What's this? - I'm pretty sure I'm pretty used.

“- These are just like, that's like a menu.”

- Why do you have a printed off menu? - I just think that we should, you know, celebrate our sexuality, and I think it'll be more normalized. - Believe it or not, guys have that as well.

They don't just put (beep) themselves. The women are the only gender in the entire world that can't figure out how to make extra money other than prost (beep) quicks over one.

What's happening? - We've got pre-sale tickets to the Aeros Tour. - But the Aeros Tour! (beep) - The Aeros Tour!

- Something big is coming. Something that's going to change, personal finance, forever.

In the first 500-metallers get to lead the church,

go to dollarwise.com to change the future. - Hi, I'm Parker. I'm 29 years old. I'm from Springfield, Illinois. And this is financial audit.

- It sure sounds like a question. - It might be. Are you already jump into it, but you seem confused. This is financial audit, it is.

- That's good. I don't know, I know. - That's where you are. - Yeah, I'm coming down to Austin and land up in Kiltoni, Oregon.

You are on financial audit. - Could be a dream, I don't know. - Okay, it's not. So, my people. - Welcome.

- Thank you. - Thank you, I'm down from Illinois. Fellow Midwesterner, I escaped to the better place. You didn't, yeah, that's okay, maybe you will someday. - Oh, girl.

- I wouldn't say it's better. - I want to say it's better.

- I'm excited and excited.

She's like, "It's so good, it's so beautiful." - Isn't it beautiful, yeah? - Okay, so, no, no, no, no, no, no, no, no, no. You might when you get home after being here in the better place.

- Okay, yeah, I heard it snowing and like 10 degrees. - What do you do up there for a living? - I work in public health. - Okay, what even is that? There is so much public health work to be done.

What do you actually do for a living? - Think of the person that you like, don't like the most, like a health inspector. - Okay, okay, is it a health inspector? Is that possibly what you do?

- Yeah, that's part of it.

“- Most of it, that's what we're known as.”

- What's the other part of a health inspector? - Well, we're called like sanitarians really, but no one really knows what that is. - What do you walk around and clean things? - No.

- Well, then where's the sanitarian? - We audit it. - Okay, your health inspector. - Partly, I mean, what's the other part? - What do you mean what's the other part?

I mean, we like, do birds about anything in environmental wise. Do you know what environmental health is? - I don't know, I just got a confusing note that, I guess, I guess you wanted to do the intro in a certain way

and maybe I didn't help you do that. You wanted to tell the whole world that you were by for some reason, like, I'd give up. - I would never. - Okay, why do they care?

Why do I care? Why was that giving me the intro? I don't get shit. - I don't get shit. - Oh, I heard that you were like questioning,

you know, your sexuality and all that all. - Why is everyone saying that? - I heard your vibe. - I heard your vibe. - No, these are, no.

I mean, I also wouldn't matter if I was. Who gives up? - No, I know. I agree.

“- But I also know, like I don't understand,”

like the last three guests I swear, Lindsay or Colton is gonna be, are just doing this 'cause they, (laughing) Okay, no.

In late high school early college, literally over a decade ago now, I thought I might be because of a very early introduction to, as my best guess, but no, I'm not. And even if I was, who gives a shit?

And why are you out here bragging? I'm talking about what? - Colton said you wanted to say that in your intro, so I thought we were gonna have to redo the intro. - No, we don't have to redo the intro.

- Okay, then what the, who would do? Okay, so you work in public health. You are a health inspector kind of part time. - Great, what do you think doing that? You're the annoying person.

Actually, no, okay, health inspector, I'm glad you're at least doing it and making sure we're not getting like poisoned. - I make 14, 25. - I'm like, like, I'm not, I'm sorry, I need to pay to X,

sorry, but get to pay Jackson Month. - Okay, even, well Springfield, that's not a suburb of Chicago. - No. - Okay, so I can stretch a little far.

Midwest is pretty cheap to live in. - Yeah, it's not. - All things considered. - Three thousand hours a month, not. How you doing in Springfield on that?

Buy sexual parker? - Thank you.

- It's a critical necessary information to know.

- Probably better. - You're doing better? - No, no, no, no, I should be better than I am. - Oh, should be. - I should be.

- Just left out the, should be. - Did I leave it out? - Well, you said I'm better. - I don't know. - Or better, you just said better.

That's all, the word better was everything. - Sometimes my brain has thoughts and then I don't have time to catch up with them now. - No, so farm thinking they don't have thoughts. - You think I don't have thoughts?

- That's like, you think that your body and that's your entire identity. That's all in pick up on our mind. - That's all in pick up on our mind. - Which I appreciate.

- That's not. - But I'm, yeah, I don't know. I'm just surviving on that, yeah. I mean, I also have another stream. Yeah, well, I have like child support too that comes in

and then I get reverse. - It's, I have one.

Kind of, I mean, it sounds like he's not in the picture anymore,

but. - Who? - Oh, you're getting child support. Probably the breeder. - The breeder.

- No, he's for the breeder. - He sees her. - He's a breeder. - So the breeder? - I was breeder.

- Yes. - Yeah, so I'm the breeder. - The man, the man, the breeder. - That's the breeder, it won't happen. - There's some calm up here, vagina.

- That could be a lot of, no, no. - Really, she's a whore. We love whores too. That's not even a bad thing.

“She's by, that's great, don't really care.”

Whore, that's great, I don't care. We need whores. If Brandon and I end Mark and even Kulton to the men want to be whores, we need other people to be whores in order to be whores.

- I agree, everyone should do what they want. - So well done. Well, sure, that's kind of the point I was making. I was the same whores enable it.

- It took us a long way to get there.

I was just helping. - Except that really, I don't think, okay, I don't think you follow paths very well, but listen, great. So what do you get for the child support?

- 5.97 a month. - Sounds very much. What was, why, what happened with this guy? - We were dating for a couple of years, broke up. - When?

- When, when? - 2018 to 2020. - Okay, so you got the COVID scariest. - Yeah, broke up between 20, realized, just wasn't for us.

- Why? - Because we were roommates in, like, in a relationship. - And then you guys were relaxed and psyched as a coven, and you're like, "Oh, I hate this piece of shit." - Yeah, it kind of made me realize,

I don't like him. Like, in that way. - I wouldn't say, "I let him." - Was it non-consensual? - No, I mean, it was consensual sex,

but like, no one is-- - Then why do you let him or I correct him? - I was like, "I was like 99.9% effective." - And what you were having raw sex, no condom, comments, height of the gyna.

- That's the only way. - Okay, well, then it happens, it's just like-- - Well, like, I understand what control, yeah. - The shot, so it wasn't the little implant. - No.

- Implants the best way. You got to get the implant or I, you know? - A lot. - A lot. - I know the IEDF sex is a hurts, and they don't really do a lot

of pain prevention on that, but doesn't matter. Those are still like the ones that have worked. - I got my tubes out now, so can't have more. - Okay, is it full time with you? - Yes.

- And what is it? - What is it, a girl? - Good, girl of a world. - Five. - Five.

- Okay, five-year-old girl, that's good. Well, it's a beautiful girl, we love that. Beautiful child, you have full custody. - Yeah, I would say. - Which is why you're getting the five-year-old,

“what does he do for work for such a little child's custody?”

I'll be honest. - It sounds like it's providing. - Distributor, like a, I think, like a liquor or beer. - Well, you really can't answer job questions, so people do and go to yourself.

- We have been fed together for like five years, six years. - Do you not keep in touch? We have a child together. - We do. - We see each other during drop-offs,

and we'll do like a family day. - What do you mean drop-offs, I thought-- - When I, like, have full custody. - I do, well, he sees her once a month. - For drop-offs.

- Yeah, so we have the last one. He lives five hours away. He still lives in Wisconsin. - Ew! - Yeah.

- That's where I was living at the time. - No, I didn't want to really answer this. It's like the virus was Wisconsin. - Okay, okay, okay, good, baby. - Well, I'm being told to do OF2.

- I did for a while. - Okay, a little bit, I shouldn't say a while. I got bored of it. - How many people were supposed to-- Sorry, I'm not being rude, except for when I am.

- Uh-huh. - How many people were subscribing to this? - Or are subscribing to this? - Well, I did it for like a month, and there was like, oh, when?

- In August. - Also, this did just happen, okay.

“So, it is valid to bring out, okay, good.”

Just want to make sure, okay. - Yeah. - And what happened? What did you even post? - Content?

- Woman. - What did you post? What kind of content? - What? - OF content.

- Yes, what? - Oh, so you can ask me to go deeper, but I can't. - Okay, you can ask me to go deeper, but I can't. - Okay, you can ask me to go deeper, but ask a question. I'm asking you a question.

If you want me to ask answer a question, ask it. - Okay, I'm nude. - Okay. So, if you're not pulling them up, are you? - No, oh God, no.

- What's this? - God, oh. - Do you play out for reviews? - No, these are just like, that's like a menu. You know, a lot of people kind of like you too.

- Off menu. Why do you have a printed off menu? I've never seen my life.

- I've never seen my life.

- You've never seen a menu? - Printed off from an OF failure. - I wouldn't say failure. - Well, I would have said creator, but you did it for one month, didn't make any money

'cause who's paying for that? - I mean, you started. - You made money. - What did you make then? - Within that month, like 900.

- It's one of your childhood support. - Okay, crazy. - Okay. So, let's see, voice notes, five. We're sweet, dirty space here, whatever.

AI does that now. - You bought a real contestant. - 35 dollars for 10 news and already taken videos. So, videos of what? - Whatever they want.

- Sets videos. - I don't know if we need to get in, like, what the videos were you. - Guess we do. You were getting railed and you would send them.

- No, oh my, I've never done a video with any videos.

I would ever pay for.

Who pays for so little content?

That's so boring. What the f--

“Like, if I am going to pay for something”

which I don't-- - Well, I mean, man. - Yeah, they must be. 'Cause that is pathetic. 'Cause just go, so I'm gonna get in railed.

- But like, then you don't have the personal connection. - I don't need a personal connection. I want to see someone getting railed. - Some people do need the personal connection. - Okay, well, like you said, losers.

So that's 35 dollars plus already taking videos. So it's just you jack and off. - I meant she's not to answer that. - Girl, you literally printed off a menu and you're not answering what you did.

Though you're the printer of the menu. - It is. - Like, what the f-- - You're ashamed of what you did and why'd you do it?

You literally printed off a menu and you can't talk about it. - Well, don't get a house if you can't afford it. - You don't have it now. - It's not my house. - You also have a--

- Job? - Who's house is it? - My mom's. - Well, tell her, don't. Tell her to move and sell--

- She doesn't live there. - Who does? - Mia. - My mom owns it. - You have a job.

- I know that I have a job. - You can do that. Don't pull the, oh, I was a victim of the world and he didn't money. You believe it or not, guys have that as well.

They don't just print with themselves. How do they do it? How do they figure out, women are the only gender in the entire world that can't figure out how to make extra money other than prostitutes.

- I have no time to make extra money. I don't. I don't have the, he said, "Pull shit to that." - Yeah, there's no mom's all over the place. And if, in socks, I get it, I don't have anything--

- I don't have anything-- - But do you have a child support? I know, but there are single moms without a child's--

Dude, do you think you're one of literally 300 million

people in this country? No, you're not. It's no one's that unique. I'm sorry.

“$25, Polaroid and Handwritten, no, handwritten, okay?”

$50 for a custom video. So literally they could ask for anything. - And I would say no if I wasn't comfortable with it. - You pissed on your foot. - That would be something I'd probably say no to.

- Really? - Yeah. - You said a limited year or nation? That's like nothing. Who cares? (dramatic music)

- No, no, no, no, no, no, no, no. - I'll put this on your foot if you want. - I'm not into bodily fluids. - Bussy? - 50 dollars for personalized photo.

Other options, 16 session $20. And you let people face him for 45 bucks, how long? 30 minutes, 30 minutes for 45. You don't value your time very well. His prices are all over the place.

- They are, yeah. - I didn't do that long and I just got-- - 400 bucks, which is honestly, kind of discussing part of our society, that people paid that much for nothing.

- For nothing. - Yeah, you didn't, there was no sex videos. I really don't understand the point. Comment, are you with me on this? Are you with me?

Like, am I the only one here? It's like, if people aren't having sex with, what do I want to do with it, like I want?

“- You're kind of, they really talk to you”

about their problems, like what their issues are. - All right, like one thing. - They need a seek therapy. - I mean, I don't disagree. - But you enabled them.

- Of course. So if I can't, like, these random, I started, like, these, like, because these random men would ask you. - Why don't you stop that?

- If you were making money, and this was your only way, 'cause I'm a-- - 'Cause I got bored. - 'Kay, what does I got bored? - I just, I didn't want to stay up late anymore

and do it. - Well, it was high. - It was high. - It was high. So, I started with my cammy, I've made doing that shit.

So I just made it stupid expensive. And then, yet, some people still purchase the assholes. - Thank you. - But, like, I made it so that no one would buy it. I would do that, so you can at least bring in money,

like crazy money, like, maybe like 1,000 bucks for something custom. - That's true. - That's true. - Maybe I should be able to restart it.

- Maybe I should restart it. - You stopped? - So, did you take it down? - Not yet. - A mother do no F.

How do you feel about that? - Great. - Really? - No. - I mean, I didn't think I'd be here at, you know, 29, struggling.

- Why are you struggling? - I don't know. - So, I feel like I'm-- - Exactly. - I just want, I just like to have a good time

and just make sure that we're-- - Yeah, I mean, BS was in the minimum hundreds, which by the way, for a $3,000 a month income is not very good. But not only that, we had unknown spending

of 500 bucks, unknown spending is confusing. We don't really know. We don't know what it is. It could be Amazon, it could be Walmart, and it's not in the necessities.

But then, other large purchases alone were almost 1,800 bucks. $1,800 can dollars, and we'll go over there individually. We'll go over those purchases individually, pretty soon. Because random guys would hit you up on Snapchat, asking for news demanding for news.

This is why you set up a new one? - Yeah, like random people would add me on Snapchat. - How did they even find you? - A public profile. - Well, why?

- Because I would post Jim content back then. So, I don't do that anymore. But they would add me on Snapchat. Like I saw, like hundreds of friendly quests.

And then they would always want like news

or to do that. So then one day I was just like, maybe I could make money 'cause I didn't want to do it. - I'm just, I'm just happy.

And I celebrate that for you. You set it, not me. Your daughter's gonna be a school at some point. It's so easy to find pictures and this is gonna be so embarrassing.

Now we're finally having the first generation of all.

If creators or kids are entering school and there's so many embarrassing stories online. And that's not their forever. - People own these pictures now. - I just think--

- Oh, please. - That we should, you know, celebrate our sexuality and I think it'll be more normalized. - Oh, I'm okay with normalizing sexuality but your news are out there forever.

And your daughter's gonna say, if they're on the spot, by or not.

“And oh my goodness, have I sent a larger amount over the years?”

Just a long time ago now. So I think I just got lucky on that. Hold on, let me check. Caleb Hammer, nude. - Okay, there's a shirtless picture.

Pictures I've posted on my own Instagram. A couple of our people on our show with like big boobs but those aren't me. A big hairy man, that's definitely not me. I'm at the shame.

Yeah, that's a shame. I'm disappointed. I do have an LPSG that I don't have an account so I can't do it again. You need edge verification and text.

So, well, what, so you're just okay if your daughter gets made fun of because mother has literal like her jack-in-offer vagina online. Yeah, and that was, yeah.

That was very, okay, I don't like that. - She, okay. - So they're gonna see that and your daughter's gonna be embarrassed and you're okay with this. - I just, I don't know, I don't think she,

I don't think they'll see it.

“- Well, but again, we have the first generation”

finally entering school and they see it.

And not only that but you actually can see it. - We have the guy from OF, Colton told me, that's dangerous. You have a daughter, so when you realize on you, she even had a guy ask her to meet up with her and you consider it.

- Oh, yeah. - That's dangerous. - That's dangerous. - And then he'd get it. - We live five hours apart. - So it was the distancing, so the question that I asked

the answer would have been yes. - Mm-hmm. - So something else? - No. - Okay, you're doing the classic woman thing

where you're just kind of avoiding answer in a question and you're just giving it a short answer. - Okay. - Because they don't want to talk about it. - No, it's just, yeah, it was the distance.

I'm sure if we live closer, it would be fine.

- Okay, why are you living the Springfield?

Instead of back home where the kid can have a father in her life, 'cause Springfield isn't giving you great opportunity, make 30,000 bucks a year. - So I was moving, I had already moved and her open-up, our lease was up.

- No, I get it, but it's not like you're taking advantage of Springdale in any kind of economical way. - It's just hard to advance public health as it's hard to gain. - Go into a different industry, take it.

- My whole degree is public health. - Take a certification to course careers that I'll get you for free. - A lot of people use that knowledge to switch in. - Okay, I like a child having a father in her life

and it sounds like you're the one that's kind of the reason that-- - He could have moved closer.

“- Well, it sounds like, what are you guys from in Wisconsin?”

- Madison. - Okay, there's definitely more opportunities in Madison. - But it, okay, but pay scale for, again, my degree, I have a bachelor of science. - Exactly, that kind of choice that you're making

and you're not switching fields and you're still early in a career when you're close. - Well, I would feel, and I need a Monday through Friday job. - Yes, and I'm saying, get a Saturday through Wednesday job. Like, what, then I say that.

I don't remember presenting that as an option. - It's just hard to find a place up as well. - So no one died a day during the day. - No one showed people do it. - Yeah, I would say--

- But Madison is very expensive. With UW, with the epic, it's very expensive. - It's very expensive. - It's translated in the cost of living and it's translated with the pay scale as well.

- But the minimum wage in Wisconsin is still 7.5. - 25% of matter, you're not making the minimum wage. 1% of the entire United States population makes the federal minimum wage. - That has no impact on you in your job.

- To move housing would be more expensive. - Sure, but more like things. - Yeah, 'cause I don't want to live there anymore. So I was moving to St. Louis. - Not want to live there anymore.

Take a kid away from their father. - I didn't know I was pregnant. And then by that time-- - So I messed up part, I'm gonna say. - Yeah, I didn't know that's pregnant when I moved.

Or else I would not have moved. - Okay, and when did you consider meeting this guy in SNAP? - Oh, back in the fall. - Well, maybe choose not to.

What happened? - Fall? - Back in the fall? - Yeah, it was a couple minutes ago. - Yeah, why didn't you?

Please, why didn't you? - Well, I mean, it was a, probably you shouldn't meet up with a random person.

- Not safe.

“- I wanna make sure that it was a good reason,”

and that it was a reason. - It was a lot of money. - Not so money. - Well, it was just like 500. That's a lot of money.

- You can consider ruining you being alive. - Oh, and you're considering leaving Springfield. - Yes. - So it could be a matter of a thing. - Maybe, yeah, I just, I can't, right now.

- 'Cause you're not family support there. - I have hurt her family. - Or that they're not. - That they're not. - Family, that's whole.

Close, not perfect. Almost there. (dramatic music) - That's kind of (beep) stupid, I'll be honest, but what's not is actually getting a check-in account

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Check it out, link in the description below. Sign up for time, get that $350 right now in your checking account. - They're not, like, I don't know. They're not my parents, like my mom.

- They are the grand parents that you kid that probably love her, right? - Yes, in my mom's.

“- Well, the thing is, my mother used to live with me, right?”

'Cause this is her house, and then she moved back to Chicago to take care of her parents. - Then go to Chicago. I can't afford to. - Oh my goodness.

First of all, Chicago's like the cheapest major sitting in the entire country. First of all, let me just say that. Second, again, you're right. You can't on the Springfield income, typically that fall.

In a place like Chicago, this isn't New York. Where you're right, that is hard. You need a massive, massive income adjustment to go there. Chicago's one of the cheapest, no, it is the cheapest major

sitting in the United States, major city. I mean, Detroit, but where were we considering that a major city, like a major powerhouse city.

It's third population, about to be four.

Pass by the Dallas Metro, but either way. - My minimums, they're just, they're too high. Like my debt, my debt. - Then take care of that ass. Hold the period, why are you spending

literal potential 1,000,500 on Bolsheet? If you're into, you want to leave Springfield then being told. - Yes, I mean, the options are in your brain because you're considering and wanting to leave.

- Possibly Chicago's on the list. - Oh, for what I just said, and you said, "No, I thought I'm too expensive now "once this is paid off, hopefully one day." And here's, it'll, it'll,

- It'll spend a thousand of the Bolsheet and you're getting subsidized by your mom. Go on, what other options? Which will, by the way, be a couple hours closer to the other side of the thing.

- I do not know that, yeah. Which is good. - That is good, we like that. - We do. - We're out.

- Considered St. Louis. - No, there was like almost no bigger declining sitting in the entire country. Go to a place with that camera. - You're literally complaining about your job

and income and you're considering places with worsening and worsening economic opportunities. Alicia Cago, it's a mess, but it's decent. - St. Louis has a lot of perks. - A lot of people leave it, yes.

- Same machine. - Go about St. Louis, no. What are the perks in St. Louis, the arch? - Cheaper housing. - Dude, you know the income follows with that.

I don't understand. Yeah, go live in the literal middle of Alabama. It's the cheapest housing you'll ever find. You'll make minimum wage. The one percent that actually makes federal minimum wage.

- That's where! - Yeah, no. - No, I don't understand why. - I do understand that, I just... - The cost of living is higher in some places? - Yes.

- I guess I've just always looked more like my field

for like jobs. - So you already make basically not great income. - I know. - To be very clear. At your age it's fine, but if you're making

this same level of income inflation adjusted by the time you're in mid 40s, it's gonna be horrendous. And I feel like with where this... (speaking in foreign language)

(speaking in foreign language) (speaking in foreign language) - Yeah, do mine's from a steuer upset, huh? - But they're not. (speaking in foreign language)

(speaking in foreign language) And when they then are working, (speaking in foreign language) - That's good? - Safe.

(speaking in foreign language) - Now it's costin' us out for being. - Scale is going on what you do. It's gonna be around there. - If I stay, like at that one place,

I think where I work you now. - In health inspection. - Yeah, like last year we only got 2% raise. So it was rough.

“- Why don't you switch industries and get some education?”

Like again, we're getting you free certification. Why not? Yes, you might have to start low totem pole. - I just know. - That's still probably the same income you're making now

through something with the more career opportunities. And OF is not a career opportunities, especially for you. - Like I'm sorry, you're competing with Sophie Rain, who's one of the most attractive people in the history of the world.

Probably has AIDS in her life. - Oh, I'm sorry. - Are you, Kitsia? - Huh? - Are you Kitsia?

She's hot. - Oh, I'm getting a thumbs up from Brandon. - Oh, yeah, she's dating young gravy now. I don't know why. - I know young gravy, but--

- Oh, he's talented. - But I haven't asked him about his Olaf. - People from.

“- They started dating like last year, I think.”

- Well done, Mr. gravy. - Yeah. - I appreciate you. - Um, okay. And uh, but it's just like, you know,

there's a lot of competition out there. That's not the career opportunity that I think is taking you to the next level. Clearly what you're in isn't doing that either. And the child support is a minimal,

at best. So, both, you have no plan to, yeah. - No. - You're just latching yourself to this thing,

you're right into that. - I'm just surviving in here. - Well barely. - I don't know, I don't think it's like that. - That's bad without your own mother.

- We do love for her, that's a fact. She is a great woman. - Okay. - She might be enabling her daughter to actually get interested together

in taking care of her life for the very first time.

How much debt do you have? - I think around 40,000. - Okay, it's a good idea. - That's a good idea. - Yeah.

- You know, she's a great woman. - Okay. - She might be enabling her daughter to actually get interested together in taking care of her life for the very first time.

How much debt do you have? - I think around 40,000. - It's more outed up about 50. How do you not know? How do you not know?

You said you're trying to take care of this. I just supposed to be a responsible girl. - I don't know. - You just thrown it all away. - I thought it was 40, yeah.

- Wrong again, idiot. - Okay, well it's not. - I must be missing something. - Technically in the 40s, but it's basically 50. Why are you so off?

- I don't know. - I don't know. - I don't know. - Yeah, that was pretty off. - Yeah, why?

“Why do you not know your financial situation at all?”

- Well, I, because you have a tendency, you're not like a single person with nothing or responsibility is nothing just around having some fun. Doesn't matter to me. You literally have a five-year-old.

You don't get the four-year-old. It is your responsibility. You do not have that choice anymore. - I mean, I tried to budget it. - Why, but if you tried, where's your try?

Tell me your try. I haven't seen try. Where's the try? You tried to budget? Cool.

Tell me how much went out last month. Please, try and debudge it. Please, tell me. - No, I don't get to see. - Fourth, four thousand, I can't.

- I'm not wearing my clothes. - 3,823 dollars for these exams, whether that even being an option trying to budget. Where's the try and debudge? I don't know if you're trying to budget.

That's more than you make by far. So where the, 'cause that going trying to budget. I haven't seen my debudging in a while. - I got money. I got rock and money.

I was just-- - Doesn't matter if I spend the day with this going. - And did you see? - Did you see? - Do you see?

- Do you see? - Do you see? - Yes, yes, I see. - Do you check a lot yet, you spend more than you make? Make that make sense?

Put that in your budget real quick and make that math make sense to me. Why do you spend more than you make?

- I feel like that was like the first step.

You know, like-- - Sure, first step. - It's like trying to figure in and out. - Should go? - Why haven't you moved on to step two, three, four, five, six?

Why are you on first step at the point of step 10? - I'm just not good at it. It's something I'm not good at. - Good, it's automated with a car with you. - No, like sticking to the butt, like--

- Why? Hold yourself accountable. What are you not doing? - I don't have a car. Do you need to be accountable?

You need to be held accountable?

“You need to force yourself to be accountable.”

You have a dependent. And what kind of world do you think it is okay? Excuseable potentially even cute to not pay attention to your budget and hold yourself accountable. Why?

What's wrong with you? - I just feel-- I don't know. - I don't know. - I don't know.

- I don't know. - I don't know. - I don't know. - What do you think? - What's feeling other than being a slut online?

- Like sometimes we have to have fun. I don't have fun. You have to have fun more than make sure you're child-less at it for success. Make that make sense. Why are you trying to have fun?

Why is that important? - So she can have a good childhood. - Good childhood. - So I can wait or childhood. - Good luck ever.

Find anything for her ever, especially if this house goes away for whatever reason, who knows why. Maybe not like not paying property taxes. - I paid them. - Okay, and for now, started--

- This year, or last year? - Yeah, you post your little roast beef online in order to get it. - So-- - I got it worked.

- And it worked for now. - At least for half a foot. - People start on the left strong and it goes down 99% of people. - That's one percent that make it. So what are you talking about?

Why is fun more important than actually establishing a good future for your child? Being able to pay for her things when she's in middle school, high school, those extra curricular activities. Maybe you even just study abroad.

Going to college, being able to pay for her college. - I guess I just--

- First car, think it all, all kind of work out.

- And how does that work? Tell me, how does it all work? Why do you think that? What's just in here is leaving you to thinking it's all gonna work out.

Right now, I'm seeing it's all worked out to you being $50,000 in depth. Maybe I'm not in your mother. And literally posting your hairy titties online to be seen.

- You should work off too. - I'm gonna make that clear.

“- I'm in the phone where your hairy titties are.”

- Why do you call them hairy titties? - I'm just a sermon based on this. - I'm this. - Yeah, well. How many people have?

So I can be very unique if I do, okay? So-- What is suggesting that it'll all just work out? - I don't make-- - Like, I don't know. - Are you gonna make more in your job

that doesn't make any more 2% raise? So you saw you got a 2% raise. You saw that this career has no career trajectory. You say it yourself. Where's your make more?

Tell me how you're thinking you're making more. I don't see make more. Where's your make more? - I haven't gotten that far yet. - That far is-- - Like, that's about--

- Wait a second, say, I don't know how I can do this. - I don't have a plan to get a plan. - I'll get a plan. - What's your, what are you talking about? I'll get a plan.

- What do you mean?

Why don't you have a plan if you're going to get a plan, why is it always get a plan not got a plan?

- I just don't have one yet. - Why get one? - Why, you started months ago, where's your plan? - In the works. - No.

- Okay, where has it in, where has it in the works then? What's been worked in the works? I want to see what's been worked out if it's in the works. - Yep. - So, cute, there's no plan where you're talking about.

You're just going to process yourself again. You almost got rails for 500 bucks. - You almost-- - That's wild. - Come on, that 100%. - Not almost.

- I didn't go. - Yes, you were considering meeting up with a guy who was definitely going to get a few in one of your holes for $500. Are you kidding me? Prost it.

That's what this is led you to. - And Harry titties online being enabled by money. - Oh, I know. - I know. - Sure, I'm okay with it.

- Yeah. - Yeah. - Do consent to anything.

“But that's what it's leading you to, and it's not legal.”

So, 500 bucks by the way, not a great price, at least charge a thousand. I don't know if you're worth that, I'd say no, but either way, you can at least try. So, that's where it's led you to. Plan, that's been your plan. And you have nothing worked on on a plan.

Why are you considering to plan if you're not even actually looking to make a plan? There's no plan. You haven't sat down to even look at what might be a plan. You can't even look at your budget enough. Not as good as dollar-wise by the way, but I get it.

You have to know accountability. You'll literally fool in the last night and went on the town with your sister and spent a shit ton of money. Accountability. Where's the accountability?

That's on accountability. That's you spending a lot of money on the town. And I'll probably hope and get railed. No, no, no, no. You're traveling out hoping to get railed.

No, I hope to get railed. No, we ain't doing that. Hopefully not doing that. Hopefully not. We still got it.

I did not. Well, not get railed. It'd be the railer. The lane of rails. Or get railed.

No. Okay. So, you just went on your part. It's been all your money, even though you have a daughter at home that you're not taking care of.

Your mother's taking care of her. She's subsidizing pain for the house. Let's be honest.

“Be for two days is not not taking care of my daughter.”

You paying and blowing all your money instead of actually setting up for any kind of success is not taking care of your daughter. Thank you. I take care of her. She has a mother.

But your mother essentially is subsidizing everything. She's taking care of her. You don't make enough money. No college will be paid for. No car will be paid for.

No help will be paid for. No extra curricular activities will be paid for. If there is a medical need that requires a certain kind of diet that is not going to be paid for, there is no way. Yeah.

So we'll get there. Yeah. Your daughter's really going to love. We'll get there. I want all of a sudden that's recording.

You're like, Oh, I didn't have it. But we'll get there.

It's always we'll get there and ever we got there.

That's great. That's a wonderful selfish mother going on on the town when she can't afford it and not even to save her life for $1,000 in that nothing to show for it. Literally $500 to go take some dick. Come on.

What a sick excuse. Sad. Pathetic. What are you doing? I'm just giving you a wife and attempted nothing to do this.

Come to nothing. Yes. You downloaded an app. Well done. We're all proud.

But you've attempted nothing. It's always go get a plan. It's always I will budget. Why have you never sat down and actually tried anything new. Damn life.

Other than it's all in the future forever. You have a child. That's where it upsets me. If again, if you had nothing, no dependant is known. Nothing.

We can have a fun little conversation. Phew. You got a five year older about the end of the public school system. Phew. We're all going to be subsidizing you for the rest of our life.

Phew. You're not doing anything. Asshole. Who subsidizes me? Oh, well, well.

Why would child tax credit? No way you pay net more in taxes. You were subsidizing you. Absolutely. I mean, I don't want to hear it.

You get more than you give. You're taking on a giver. There's no chance. Absolutely. That is true.

30,000 hours a year. Good luck. You don't give. You're not a giver.

And you're never trying to do anything in your life to move forward.

And life actually can true. I went. I went back to my office. You don't bounce. And how that happened?

Yeah, you've never done anything in my work. So my workplace. Huh? My workplace paid off my student loans. Oh, okay.

How much student loans were there? So you did take student loans for what it's worth. Yes. 28,000. I don't even know what this note means.

Cultified.

He's 25.

“She admits she usually only dates 22 girls in like what?”

Well, I usually don't like things that are serious.

I don't. So I date younger because people might age like serious. Really. She did literally just looking for hookups. Well, not anymore.

That's okay. If you know I'm not anymore. I met this guy like him. We. Your dating.

Yes. It's happening. Yeah. Where are you in this relationship? Very new.

He knows about my death though. Oh, sure. I've already told him because I wanted to be very clear. Oh, they met because I like this. So you're on meeting guys for Snapchat.

It's not. But a guy's on Snapchat and you. He literally. No way you did. On a date.

On a date. At the end. Yes. It was a date. It's not a guy.

It's Snapchat.

It is not normal to meet a random on Snapchat.

Not on Snapchat.

“That is where a random ad on Snapchat and meet up.”

Absolutely not. Our dating apps. People meet all the time. It's like. It's meant to meet people.

Snapchat is not a random ad on snap. Snapchat is literally like one of the biggest ways to communicate with multiple people. Not a rainbow. Not a rainbow. It's like a party.

But like it doesn't work. Not a rainbow. You're one year younger than me. But he's just like older. I don't know.

It's something about you. What are you talking about? You're the one with. That's all over your face. That age you like 30 years.

I know. No, my skin's so bad. Yeah. It's horrendous. You talk about it.

What are you talking about? You look thin. I said it was your energy that day. 40 years. Energy.

What are you talking about? I'm carrying this whole conversation. You can't do it. Okay. Okay.

So you're reading Rando's on Snapchat? No. I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that.

I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that.

I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that. I don't think you'll be able to do that.

I don't think you'll be able to do that. I don't get AIDS. That before you hook up with somebody, don't ask for their test results and look at the negative results. Look at the negative results.

What happens if you tell the, what if they got something before the, by the way, HIV doesn't even show for three months. You make them test before you hook up. Did you raw that night? A random stand to add it.

You raw. I mean, I would have to, but I'm going to shame you for it. Now we had talked from like weeks before that, weeks. A random stand to add it is crazy. I've never heard that.

If you have a public profile brand and people can add you know shit, I don't meet up with them. Normally, I don't either, but tell you did. Yeah, well, he was different. They're not people, they're not people like profiles like on Instagram or something I would accept.

I've done that. You see their friends, you see their followers, you see their everything, you see their life. Yeah. And we added each other on social media before that. We literally talked on the phone.

We were talking for weeks. That's not that weird. Yeah. That's just the grinder of the streets. Might be from the way you've used it, used it to take some raw seamen.

Did you finish inside of you? That's a good. Did he finish inside of you? Yeah.

When you first met that night, I know it seems like a deeply inappropriate question

as well as it is. But I am also making a point here, did he? The fact that you're not saying no means yes. He did. That's crazy.

That's crazy. That's crazy. Well, first of all. How crazy. I will tell you why it's crazy.

“What do people have like a, you know, a, come thing, a breeding king?”

Is that what it's called? I'm glad we're learning about chicken. No, no, no. I'm just saying the example. You were dating a guy.

He did that. That resulted in an age high. I got my tubes removed. Oh, okay. There we go.

Okay. That removes half the concern. The second half of the concern is I know you did the little test results, what people are liars, even though it's against the law, people are still liars. No, you have them pull them up on there.

Like fun. I know what's happening. It can happen. But for then, by the time, we're in like 24 hours. So he got tested 24 hours before, what about the fact that HIV can be untestable for three

months, even though still contagious? Can I just grab-- Wait, can I still-- Huh? You're on prep?

Whoa, a straight woman on prep. It's smart if you're having an unprotected sex. Honestly, you're a whore and we love it. You gotta be a responsible for it. If you're a straight woman on prep, you are a whore.

And I love that for you. And I love that for you. That's great. And now I'm not done. So not a whore at all.

No, that's great. Just but taking a raw load on meeting on Snapchat, blows my mind. I was trying to make a point here, but you're right. You actually did the save steps. I will accept it.

I will accept it.

You're on prep and you're right.

If you got-- if you got Conroyer Committee, it doesn't matter. It's a pillow and it's gone. So yeah, that means so careful. You've had those, right? Every whore has--

I was younger, yes. Everyone has when they were younger. Of course. You've got for-- That's wild.

I feel like everyone gets an STI at least once in their life. And it happens in college, it's OK. We accept it. OK, well, I think I at least understand you a little bit more now. We'll get into the finances.

What do you think you find into a score of 0 to 10? 0 being the worst, 10 being the best. 0. OK. Listen, if you want your hand to find an interest score

to see where you stand in the world of money, for free at Caleb Hammer.com, just takes a few minutes

“to see where you're doing poorly, what you need to do to improve.”

And where you are doing well, that is for free at Caleb Hammer.com. And also, if you don't want to be like, you guess who ends up on the show? Make sure you take prep and also download the dollar-wise budgeting app. Again, there is a free trial 10,000 to the monthly active users using it's changed to life for raising his assistant, credible new features being added to every single month.

It is the future of budgeting apps. And if you sign up only through the end of March for the annual version, I will personally sign. Watch it from the cookbook and mail it directly to you. It is going away at the end of March. This is the last chance to get it. Then it's going away.

What do you think your horse score is? 0 to 10, 0 being no-horing, 10 being ultimate horing. 12. She is a f-- mm, she is. Stuff away on that part. Huh? What? Herps filled the horror. We love her for that. If you want your-- Do not score. Go to--

Go to-- Caleb Hammer.com/hor. See where you stand in the world of horror. Where you need a horror more. And where you're not horing enough.

Good. Good. Like that. All done. Oh, OK. Discover. Discover it.

Discover it. It's what most men discover that-- Oh, I got bumps on my dick after I slept with her. They discovered it. No one has ever discovered.

I discovered. And this one. Oh, my gosh. Can I tell you? I thought I had herps once in a terrified manner. No, me too.

It was after I, like, said that-- I coax her into it. She has herpets. No, I don't have herpets. She has herpets.

She has herpets. She has herpets. And I went to the doctor freaking out. And they're like, dear God, they did tap the swapping. You're good.

I just had to tap her all the time. Like, you need more, yeah. I just had a zet. You had herpets. OK, so discover it.

What happened? No, you didn't know is this? How many acid treatments were spent on her as well? Discover. OK.

Discover it. Why do discover it? That's the card. Discover it. Is that just a traditional discover guard?

It's Discover it.

Oh, I don't know the third one.

Well, I don't know if you have other discover guards. No, I don't. I don't. You have a shit ton of cards. So I don't know.

OK, discover it. What's going on? It just added up very quickly. I originally opened the-- I think in 22, 22.

Well, you used to be a manager. Is that not pay more than what you're doing now? Were you a GM? I lived in Madison at the time. But still, it's from Illinois.

So it's from the area. Yeah, I was there. I worked from-- Were you like 17 until 21? Were you a GM?

Eventually, yes. Did you make more than you make now? No, because I mean, it was back in like 26. I would say it was-- But you know, GM inflation adjusted for sure.

What were you making? What was your salary as this year? I think now it would be more you. What was your salary as the GM in 2016? 40 something.

Oh, my goodness. Yeah, probably about 50 then today. I think I think pretty high today. Starbucks is bulls*** 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, Baton Fatter. The number one ranked energy drink is gross.

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I have to, don't you just go be a Jammer Jammer gents. That makes money. The hours were brilliant.

“Well, you have to show them really early.”

And it's worth that. Isn't it like, well, it's like Wednesday to Sunday, right?

And you get money and money and Tuesday are your off days?

Mm-hmm. So that's part of the issue. And then, yeah. So it's just like, it's just so good. You can make more money right now.

Even just in the future. You could, you could do any food establishment. And it would make more money. Yeah, better hours. Panics, press pays over 100,000.

Yeah. And maybe it's Monday to Friday. I don't even know. Like, you're right. Not better than the other.

Not better than the other. You make nothing. And any other job will pay you more. As long as you actually buckle down and do like career position, not just like hourly.

OK. OK, continue to discover it. What?

“I think that one mainly goes, I know we went back in 2022 and to Disney.”

Most one is going to win. Why? Because I don't want to. But-- yeah, I do that. You still want it?

I don't know. I don't know. I don't know. I don't know. I don't know.

I don't know. I don't know. I don't know. I don't know. I don't know.

Why don't you still want to?

I don't know. I don't know. Yeah, I'm going to say Louis recently. I do go to St. Louis quite often. Why?

My wife! My best friend lives there. Why? I don't know why she lives there. Yeah, that's where she lives.

She lives the city. And we're sitting in the country. We have fun. No. No, you don't.

We saw a sexy red. I don't know. You don't, huh? We saw a sexy red there. Yeah, go see her in a better place.

Where? Everywhere else.

“Yeah, so that one, like sometimes I'll put like concerts on there.”

They're literally driving an hour away just to go to seven brew all the time. They're opening one though. I'm so excited. Oh, no, that's horrible. That's horrible.

Seven brew clothes. Close this location. You're about to open before she said I'm so excited. No, we're going to fund her to her upper. Go be a GM is seven brew.

That's not a bad idea. No, it's not. There's so many good ideas. You do none of them. You drive an hour away to go to this place and spend money.

So gas for a coffee, for coffee, even in seven brew. I know it's coffee. What's so good about it? It's a chain. They just have a lot of sugar free flavors.

And I like sugar free flavors. Come on, you have a child. Well, I don't have an hour away for coffee. The hour, I mean, that's also where the guy I'm seeing lived. So oh, my death.

Let me see this man. It won't be put on screen. Let me see this man, I can see what this man is accepting. I can see what kind of guy we all need horrors so that we can whore. But no one wants to settle down with the whore.

Speak for yourself, mother fucker. I'm trying to find like if that's okay. I'm sorry.

“That is sexist because you're right, men are horrors and they don't want to settle down”

with horrors. It's a weird thing. I get it. Listen, I'm going to show your coat, that is just the reality of out there. Culture might change at some point.

It hasn't yet. You don't have a picture of this guy. The guy that's railing you. We do have a picture. Okay.

Yeah, I make sense. Okay. Got it. Okay. Looks match.

We love it. I got lucky. I'm down here. But like, at least you know you're both down there. 20 years to be this off, your child will be done with college.

She'll be five, she'll be like three years into a career. By the time this is paid off, just for the sake of you going to say it on Lewis to see sex you read. Just for the sake of you going in our way to seventh ruin, take some seven inch. Well, you hope for your sake because he needs something.

I don't know, yeah, I want to pay it, obviously pay that card off. You paid your minimalistic payment and then spending money on it. You want to pay it off? Where's the you want to pay it off? I don't see you wanting to pay it off, dude.

In the next step, you want to pay it off. Oh, it's over max. You want to pay it off. You're talking about credit score of five hundred eighty two. You want to pay it off.

You're over the credit limit by forty dollars. You want to pay it off. 72 cents as well. You want to pay it off. I want to pay it off.

I want to pay it off. I want to pay it off. I want to pay it off. You only pay it off. Minot of the payment takes you to 20 years if you don't even purchase.

Yeah, you purchased 25,000 in an incense. What is your wanting to pay it off? I don't see you wanting to pay it off. Why are you wanting to pay off? Why are you wanting to get some work done.

So I want to pay that off. So I'm going to put it on the card. Yeah. Well, you're going to need a lot. What are you starting with?

My skin. Yeah. That's what I would have started with. Okay.

How much second it costs?

But you're going to do scarring. Maybe. The answer is yes. Okay. Good.

That's some had worse. But I'm glad you don't anymore. Because you get sugar free. Yeah. Stick to a pretty strict diet.

That's good. And exercise regimen. We don't need middle school craters.

Okay.

What's that going to cost?

Because I encourage it. Listen, that's self confidence. And it's also. Yeah. It's good.

Yeah. How much is that going to cost?

“It depends on how many sessions I won't know until I go off.”

What do they think? What if they project it? Have you sat down for a consultation? Not yet. What is a session cost then?

I would say like 500. Okay. It's like kind of like yeah. And this is a extreme milder light case. I don't know.

I haven't studied. Listen, I don't like craters. I got them too. That's it. It's pretty bad.

Okay. Extreme. So what is that like five?

Actually like one session a month, for at least six months.

Oh boy. That's a lot. So it's a 500 hour monthly payment or every six or for six months. That's a lot. And you want to clear up this credit card instead of taking your child even more and so that you can do facial reconstruction.

Oh, what's your good? I do support this. I want you to do this for self confidence for many reasons. For the guy that's sticking it in. You know, I want you to.

How would I do it for him? What? Also he can be more attractive to you. I'm sure he's attracted to me. I said more.

More.

“You don't want him to be more attractive to you.”

I mean, I wouldn't do it. I want somebody else to be more attracted to me. Why? I wouldn't want to do it for some reason. You don't want to be more attractive.

You should do work for yourself. Don't try to. But it's okay to also want to be attracted. Interractive. Oh.

I don't know if I'm going to say. I don't know if I'm going to say. I don't know if I'm going to say. I don't know if I'm going to say. I don't know if I'm going to say.

I don't know if I'm going to say. I don't know if I'm going to say. I don't know if I'm going to say. Of course I do. Of course.

You're doing it for you. Yes. But you're doing it also because you want other people that you are attracted to you. No. I just want to be able to not like wear makeup pretty much.

Great. So instead again. Oh, my goodness. You've already booked a thousand one hundred. Our hair extension for next month.

What about your future daughter? What are we doing? What are we doing? We're doing hair extensions for a thousand one hundred dollars. Yes, but hair is really thin from like years of issues.

What issues? Eight. Eight. Night eating. And then what is it called?

Sorry, I'm like a nerd. You got a little. You got a touch of the interaction. Touch of the art. Yeah.

Yeah. And then pregnancy. Why'd you don't breastfeed me more? Breastfeeding takes a familial. Your hair?

Well, the all the nutrients. All the nutrients takes to feed the kids. That's true. When I breastfeed Brandon, I do start noticing a bald spot. So I told him to take a break.

I have to lock my door. That man's trying to get to my tips so hard. And I'm just trying to grow back a little right now. See, I'm trying to grow back. I do just busing down my door to try to latch on though.

Brandon calm down. Calm down. No, titty milk today. You got to give me a month. Okay.

Yeah, I get that. I get that. Titty milk takes away. I've heard of. I've heard about it.

You okay? Am I going too hard? Oh, I got. I'm happy to back off. I know.

I know we're going a bit hard. I'm going duck today. I'm commenting guns of blazing, but I don't want to actually like. Really like done. No, it's okay because the episode's crazy.

It's hard. Of course, you know, lots of onboarding and got permission for literally everything goes thing I've said. But, you know, in the moment listen if it's if it's too much or now I can I'm happy to back off. Oh, okay.

There's where do the tissues go? How can they be there? And then all of a sudden they go away. Mark, what were you planning on doing back there? Hold in a box of tissues.

You freak? Love you. Freak. Mark sees women crying and he takes the tissues and brings them closer to himself because I think he's about to jack off.

Mark. Thank you. Okay. $17 a minimum of the payment. Against a year over the limit takes 20 years to pay off credit scores horrendous.

This is rough. It's for an apple bill and it's for something zoo some zoo thing at us. Yeah, we went to the zoo. But again, just a max out of credit card.

“Listen, it gets you cannot go to the zoo if you have to put it on a credit card”

thing. It's max out. It's a simple set. I want you to give your child fun things. I do.

They're a child. They want fun things. You want to give that. Was it for your child? Was it for the date?

Oh, no, that was for her. Okay, so at least again, there's a part there that I want. But this is telling you that you cannot afford it. It's simple set.

Listen, I'll let you use the first card.

Okay.

And you need to build credit.

But you can't spend more than checking the count. And you have a lot. Yeah. Yeah, a lot. I went through like a time where I couldn't like keep up obviously end.

You're at that time. Yeah. So there are 26.99% interest rates.

“What's the point of putting these things on here that over?”

Think you got to cash back bonus to 26 cents. All that for this. All this for that. This is. Okay.

Quick silver one. What's happening? I'm God. That one was opened for. You got pre-sale tickets to the Ares tour.

I think Ares tour. Ares tour. Ares tour. No. Thank you.

Don't come after me. I don't mean it like that. I just mean you can't afford it. Is what I'm specifically saying. Yeah.

I mean, that was years ago. Right. Why? I hear it go. It was in 2023.

Why? Wasn't it still max out for Ares tour? Taylor Swift. No. It's max out for Taylor.

I feel the shape of that Taylor? Yeah. And then like, yeah. And then this year. They're like four concerts.

Sex you read? No. That was 2023. 24. That was going to.

In 2025. Concerts to max out this. In card. Um. Keep it max out.

To never pay it off. Like who the. Did you see? A hobo Johnson. Yeah.

“I would say the tickets aren't super expensive.”

We don't have knowledge of hobo Johnson here. What's the next one? Um. Cake. What?

Cake. It's like a 90's dad band. Well, you speed ran that with your axe. Okay. Number three.

Um. Is that girl? Or no, I'm not a girl. Oh, honest. Did I go to a girl with you?

I don't know. More maxing out for these people. I would say. No. Oh, sorry.

Okay. You got one. I do love a good hozier. And it's not like. I don't think it's like the concert.

His voice is incredible. Life. He's such a good performer. He gets a little ranty on social issues. That is not really informed.

He's like a little performer. Yeah. That's okay. Because he is a performer. So I get it.

And also just blowing 60 dollars every second of your life

for new Lonnie flavors. Because you're subscribed to their website. Stop. I love Lonnie. Yeah.

You're done. You're switching to gamers. Just like your. And what was it? Seven.

Brute. You're making coffee at home. I just thought right in my first home machine. Quiet. Now you're making coffee at home.

And instead of Lonnie, you're making energy drinks at home. These are free samples to see what flavors you like. They're very good in the names. I get it. But literally every single person who's been on the show that is tried.

It loves it. All the comments who've tried it. Love it. It is incredible. We blind taste tested energy drinks.

This tied first place. It is incredible. These are free samples. Then using, you know, code Caleb again. Or sub-supportable.

I'll link it in the description below. You can get free samples in and out to see what flavor you like. It's 40 cents a serving once you buy the bulk packs. 40 cents a serving. You're making coffee at home.

No more seven booth. Do you have a child? You're not on an Elani lesson anymore. Unsubscribe. Gamersupps.

Is what you're doing now. 40 cents a serving. Stop. Stop. Stop.

Stop. You have max health credit cards in a child. It is no longer an option. You owe on a $500 bounce. $493 in 16 cents with a minimum monthly payment of 25.

You started way over max health at the previous month. What's that? Huh? You what? Would you call me?

No, you said which one is that? Quick, so for one. That's the second. Okay. I have hundreds of inches.

Sure, sure. Hundreds upon hundreds upon hundreds. Oh, my goodness. Are you cloning or firming? What is this?

I think it's a firm. A firm. There's a firm.

“Gurly, who would have thought probably concentrate?”

Cause that was all he was on. Oh, my goodness. $640 in 61 cents. Crazy. Crazy.

I'm going to assume your minimum fee payments were about 150 bucks. Pull up your Amazon. Start a screen recording. Let's go. But you met a separate lover of your life at a Chicago concert.

Are you going to leave the current man for that man?

What's he finally left last name?

Cause apparently you don't know his last name or anything about him? No. That was just after Johnson Concert.

Are the random rail? We did not.

We just made out waiting for it.

You're dreaming of the rail. But he was Australian.

“And he had a long beautiful hair that I went to.”

I've been on this trend. I know the trend you're doing. No, that's the zero calories sugar for me. My mom ordered those. And that was for.

That was for my grandma. My grandma likes them. That's what the. That is my mom is here in Amazon because I'm not seeing them. Those are from months ago.

That's a central 100% gap. They're just so finance. Okay. No, those are those are my mom's orders. But you're a firm.

No, no, no, no. Your firm is still being paid for. Oh, yeah. I'm saying my Amazon blanket. That was my mom.

You get okay. And I got rid of my prime. So I don't order anymore. But. Good.

I mean, laying down towels. I'm sure you need to. That's a good thing. That's a good thing. I don't mind she doesn't.

That's a bad thing. It doesn't do as job properly. That's like good. I don't. I don't need more.

But.

“No, you'd have to like look back at like order again.”

Maybe that was my show some of. Deal. Just says. Deal. Candle.

Gangster shirt. That wasn't much. Lots of job experience. Enough. More shirts.

You got a lot of money. Mom, like a laptop. booty. Bubble block workout shit. Door birthday party supplies.

Sexy body chains for women. Did it work? Yeah. I guess not. Dumping in.

We know you love to get dumped in. Six and what's dumping in. Case reusable glass straws. Booty. Come in.

In my four years old era. Oh, that was hurt. Twenty nine birthday party decorations. You got your own birthday decorations. Yeah.

Okay. Sox. Two piece out for for women. Pants. Gold waste chain.

Okay. Okay. And then we're going for the back last year. We don't 100% need to go that far back. And a gay shirt.

Feminist gross is what I told you. You were like the version of feminist. Which is based on the language you used. I don't care if anyone finds me in track. We all care if people find us attractive.

You don't need to be strong. I didn't have to go. Like maybe go to like therapy for that. What? So you can like get rid of like being such a people please.

Dude.

It's a little basic biology for basically every living thing that has ever been found.

On this planet, the courting, the bird, the mating rituals. It is basic to want to be literally considered attractive to people. What is this modern day? Because it's not real feminism. Like real feminism is to put 40 women's rights.

It's supporting women. I ran. Who should be free to dress how they want to. She should be able to drive. She'll be able to do things they want and not be married off it.

Children. That's real feminism. They're not protesting that for whatever reason. I don't know why. There's more performative stuff like this.

I don't need a man to find me attracted. I'm doing everything for me. And I'm going to pose a whole of myself online. Thank you. It's no longer feminism.

You've lost it. One main financial 404.28 is owed. No. That's a July that your minimum is monthly payment. And you've got to do it.

What is this? What is this? You literally $106,500 and $575 and $575. $5,000. Oh, and a poor $0.9.

$20.8. $20.8. So I had to get acne under the stress of having this. If I was you as well. I was struggling.

And why? Because it's been all your money going to Saint Louis. Uh-huh. I mean. What?

I don't know maybe. Yes, that's a lullary. Get it me? Come on. So I was going to pay off everything.

So I would have one payment. You can solidate it under a 35% interest rate. I did it. Yes. They and I thought it'd be better to pay it.

One payment. Then more. Oh. Consolidating to a 35% interest rate.

I've never even heard of that.

No one's ever done that in the history of this world. You're the first one. You are the first one. You made history. No one's ever done this.

I'm sure other people have. But you're the first one to ever do this. What the-- because you're wrong. It's crazy. They're making so much money off of you.

Why did I just start a company like that instead?

“Why couldn't I just now have morals and just abuse the financial system we have?”

Uh-huh. What have you said opportunity? Oh my goodness. Yeah, that one's rough. I do understand.

Do I swear?

And we like different things. Everyone has a different flavor. They crave post-not. Mine for some reason. I want McDonald's fries and ice cream.

“You just want to take out a 35% interest rate.”

You come in here. Like I need to get a 35% interest rate loan. I do. I do. That's what you feel.

Some people need a cigarette. You just need a horrendous death that will destroy your life. That's what is happening. Yeah. I've been paying on that for a while.

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Have you now. I bet. I bet. When you do this.

“What was the balance when you took it out?”

I bet. I think it was $9 or $10,000. And then you built all the cards back up again. Who would've thought? If you don't change the behavior before you do bankruptcy,

consolidation, transfer personal loans. Yeah. Get up. Sorry, when. I think it was June of the 23 year.

No, 24. 24. Okay. Oh, my goodness. Oh, again, lawyer debt.

Take your debt? What?

I think it was take care of debt.

No, even in Minnesota. Who you own take care of debt, too? Take care. Why? For what?

I lost my. Help. What? The state helps if you're. Oh, for.

So. I lost it and why? And then I'm. They, well, okay, because this was. Years ago.

Twenty. I don't. A year ago. But I started making more. Because.

Yeah. And then I had gone over the threshold. But once I reevaluated, it was fine. Because I used to count in child support as part of your income. Who'd you owe the debt, too?

I owe the debt to her daycare. Oh, my goodness. How much? How much? Bigger debt.

Did you accumulate? Like six thousand. What the. Well, a month is like a thousand dollars. What the.

Yeah. And I like one of those places are making so much money. What's my. Because I'm today's like I paid 250. But.

But I have to. The lawyer. The lawyers from custody. What? So more did happen.

Yeah. I mean. Kind of. Not really. It was just.

I was served with paper. So I'd get a lawyer. Hmm. How much did you spend on lawyer? Um, I have 1200 and debt to my lawyer.

But. I love it. I've served in people. Because I immediately send them into debt. If they're being assholes.

Yeah. It's my favorite thing to do. Is retainer was like 3,000. Oh, yeah. The lawyers are chunky.

Yeah. Trunk. Yeah. That's a cheap lawyer. Yeah.

That's a cheap lawyer. But yeah. Like in the area. Okay. How much is better?

There's like a $15,000 returner. So. Well, our area's cheaper. It's like. Well, yours.

I don't know. Yeah. I mean, it's like 300 now. Yeah, for shit lawyers. No.

He's like the best. 300. Okay. Yeah.

“I think the case was going to be that long.”

I see. Okay. And was it? Was it easy? It was like a year.

Maybe. So the dude wanted to have more custody. Yeah. Why didn't you give it? Well, at the time, she was breastfeeding.

Yeah. You can't. She asked. She had a breastfeed. Well, don't they.

Don't they pump and give like overnight milk? She refused bottles. No.

So now he never gets custody.

Is it? Is it? No, he gets it. He gets extended time in the summer. Like we agree.

We agree now. We do everything without lawyers now. We just talk about it and make the her schedule together. And now we do like the family days. But he gets because we live so far apart.

He can't really do 50 50 50. Or are you sure you're just bad at teaching your kid? Because you literally bought a cat last year just to get it a potty train. Okay. Children can be difficult.

What? You don't have any. I don't. I guess what? And how do you training?

You know, I was born. I was a child. And that happened to every single human throughout human history. You're not a unique case. Hotty training was taking a while.

And so she had her chart and she was asking for a cat for years.

So you give every. Hotty trained. She won't. She's worked. She worked for it.

And she's stopped the cats.

We did. We did. We spent 400 dollars. On what? The cat I'm being told.

Oh, I'm like stuff for the cat. No, we went to the shelter and picked out a cat. That's good. And it was like 50. That's my lawyer.

You still owe this. That's not the good. So do you still owe the day care? Yes. Oh, for.

Dick's sake. What are we doing? So you literally still owe the. I hope they see you. So you have to go get another.

I make monthly payments. To the lawyer. To the day care. Okay. So you put you owe the lawyer.

$1,281 dollars.

Why haven't they gone to small claims?

I'm curious. Okay. I don't know. So what are you doing with this? Um.

I don't know. You should not do anything with it. I don't care. I do. I just.

You haven't asked for a minimum payment. No. Why didn't you do the work with that. You actually paying the retainer. Because that's the retainer.

I made the retainer. So this was additional. Yes. Why why they do work without you paying for it. They bill you after like.

Because I'll put their hours in there. You know, so that's like. Usually they do like a monthly bill. Um. Part of this is weird.

Okay.

“Why don't you just call them and ask for a monthly payment?”

I just. And did you pay the retainer? Did you mom. Uh. I was a college student.

I. So she did. Yeah, but you've just done nothing ever. I mean, and what I've done besides birth in her child. When I found out I was pregnant.

I went back to school. To get my degree. To try to. Yeah, but you get a better way. That has no return in the market.

You don't have access to Google. That's weird. So I'm not in the Midwest anymore. Did they take that away after I left? I don't think so.

I don't. I don't remember. You want to take a break or is everything okay? Again, I'm happy to like. Like, like tone down.

The tone is set by just like kind of what we talked about. And agreed on and I'm happy to bring it down. I really am. I do not want to bring you to the whole point of this conversation. And for those watching is it is certainly intense.

And it certainly is over the top. It is for this, you know, the show and the sake of the conversation. And, you know, the meeting guest is paid off. Oh, is a. Shed.

I forgot. 15,000 and 12 months. I don't remember. Like over 20,000 hours. Like it works.

But the thing is the tone is set by what you agree on.

“And I'm happy to be down here when you need to be here.”

Because I bring the chaos and craziness and jokes in humor. When the guest is okay with that of which, you know, you were. When I'm happy to bring it down. Well, just think it's like. When I talk about her.

The kid. For the mom. The kid. Okay. What's going through your head? When do you think about the kid? Tell me. Oh. But I'm just a.

That parent. I don't. Yeah, you've. You've. I'm not going to show your coat.

You've. You've. You're still prioritizing fun. It is fun out of love for the kid. You're not bad in terms of.

You are like an actively do like choosing to like. Well, okay, you're making choices, but you're not like, you're not abusive. You know, that's not the kind of bad you are. You're bad in terms of you have to manage the household finances for the sake of the kid. Because it impacts it. I grew up in the financial household.

I know how it impacts. Okay. And luckily my youngest brother is who's still in the upper ages of high school. He's going a bit of great financial household.

Because they learned it. I was the first one.

This kids the first one. And last one from the sounds of the move removal of tubes. But it is still your responsibility to care this. Yes, you fit up. But you don't have to from here is the whole point of the show.

This whole point of the show goes crazy. On what you are doing now and what you've done. But it doesn't mean your future is bad. You get to make the choices leaving from here. And you get all the resources.

The master of money program, which has all of our classes. The premium version. The best one is cookbook, meal plan, certifications, the fizz. Yeah, helium for cheaper cell service. We give it all.

Every resource you get ever in need. Plus more if you request. So does your choice from here? Yes, you've felt it is good to acknowledge that. So I respect the tears on that part.

“But now you need to get your shit together.”

Okay? For the sake of your kid. For the sake of your kid. Because your kids all that matters in this world. To you. Okay? That's typical in networks.

Why do you owe your friend 200 bucks? Jen, I'm sorry. We don't really have her and I don't really talk anymore. Why? Because your own money didn't pay back? No.

Why? I don't know. Things just got weird.

Well, because your body didn't let us be in with her?

No.

“Well, that's a shame that would have been fun.”

Um. I think that one she had used her card. Um. Somewhere. I don't know.

Okay. Well, maybe we'll pay that back. Okay. But you owe your mom four to six thousand. I'll say five thousand.

Why? Um. The retainer for the lawyer. Oh. Are you doing monthly payments to your mother?

How does it work? Um.

We haven't really talked about it.

I've set her like $500 once and I haven't set anything else in. Oh, your mom bought computer games. Oh, she. Uh, my computer broke while I was in college. And she bought my new one.

Okay. Oh, she gave me an old card, too. And helped with groceries. Okay. She did everything. Um.

Eastern Illinois University, where they found it. Um. You owe money, too. Uh-huh. Why?

Um. I was late, returning in the textbooks. And I think it was past the time. Hey, dude, have you ever done anything? Take care.

Yeah, there it is. Okay.

“What's your minimum payment to take care that you owe $5,000?”

$400, too. Um. To 50. My wife. That's insanity.

Oh, gosh. Current. Okay. Here we go. Is this car?

Yeah. Oh, what is the interest rate? 17%. [screaming] Why?

Um. I mean, 2,636 dollars is 74 cents. That's 70%. Yeah. With the 536 dollars, 88 cent minutes in payment.

Turn probably forever. What is this car? What is it? It's just, um, a 2019 Nissan Rogue. What do you think it's worth that you owe $20,000?

17%. With the minimum payment, you can not afford to save your-- The life for a Nissan Rogue. Good luck with that transmission. How much do you think it's worth?

I think, like, $14,000. Like 14,000. 13,000. Yeah. I knew that. I didn't want to buy a car. But I have. Okay. Yeah. To buy a car. Where did you get a 10,000 out of car? I wanted to make sure it worked.

Word. I don't know. You don't think it 10,000 out of our cars. Take it to a mechanic. Take it to second mechanic.

Get it approved by the. Just needed one really quick. So you rushing to a complete financial mistake. I'm gonna state that's destroying your entire life and accrue it in a minimum payment that you can afford to save your life.

“Yeah. What? That's how you make this whole car. It broke down literally like on the side of the highway.”

That sucks. You can Uber for a couple of weeks. I'm sorry. We don't have Uber in the area. What? When was this? Oh, sorry. When did my car break down? Yes. May. April. You didn't have Uber or Lyft or anything. What? And for my job, I have to drive every day. What? And then to take my daughter to her dad, I have to have a meat halfway.

Get a rental car with your insurance. Get a rental car. That's still better than making a long-term error. That's pure entire life. Get a rental. It's not great. It's not the most affordable thing in the world, but it would have saved you tens of thousands of dollars going forward. Yeah. To look for a car for a couple of weeks instead of a couple hours. And I didn't want to ask for a co-signor. Oh, but your mom also gave you an old car to use. That's on the broke down. How much did it cost to repair?

Um, they couldn't repair. There was like a leak. And they said can't repair a leak. It was in like some weird part of it. And the mechanic a couple of years ago told me to get a new car when I could. When you could. You could. Yeah. And but there was no really real way to fix this one. I thought it was a rental car. Then. Armatson beat it all in the logistics center in the logistics center, extra family and Bonnie.

So we enter the city of a new town in Armheld. You are lucky for the beautiful city of the world. That means that it's the most beautiful city of all. Get a 10,000 hour car. Yeah.

Yeah. Yeah. 17% interest rate of death. Okay. That looks like all your debt. Uh-huh.

And a couple of bucks in checking the count. And it's all. Oh, it's all. Dunk and donuts. Going in against some bullshit Starbucks getting bullshit Starbucks. Oh, right in the check for 100, right in check for 100.

That was a that's day care. They don't do online payments. So I have to write checks or do cash.

That's one of that's okay. Walnuts unknown.

That's that's very grocery shop.

“No, so but I hope you get nothing else while you're there ever.”

Uh-huh. The payments. Exactly. That's why it's unknown. Bullshit a firm a firm a firm a firm star bucks. Potential bullshit the groceries are mixture of both and other check.

990. That was 61 cents. 990. 990. Oh, that was half of my property tax. Oh, yeah, yeah, yeah. Getting going in against a bullshit.

Going against a bullshit. Going against a bullshit. Going against a bullshit. 100 are check getting some bullshit dairy clean bullshit. 7 brew.

Death. Grind had. That's a coffee. Oh, spirit how little wings a shit ton of money. Uh-huh.

Bullshit.

Check hundred bucks bullshit bullshit.

Ginger real once more ginger real ginger real bullshit bullshit bullshit bullshit bullshit bullshit. Bullshit. Yoga. Check for. 250 dollars.

That's the all the checks are taken. Oh, you're negative.

“I was that one. You went negative. You bounced.”

You went negative. You went negative 23 dollars with that. Yeah. That's crazy. Bullshit bulls a firm bulls a potential.

Which also that we're not pushing a negative. Huh? The affirms are you in a pain off. Oh, I didn't say those were bullshit, but they're still affirms. The Walmart one, which sometimes a part of it is bullshit.

I bet every time. But you're negative 12 dollars to 71 cents. And then Starbucks, like what are we doing? Over draft fee. Got to this.

I have a period. And last year in 2020. Well, actually, no, because this was in September. So I'm sure it was even more. It's only three fours of the year.

Either way. What's the 32 per overdrive? Yeah, 26 overdrive. You probably had 35 overdrafts by year end. What the f**k?

Your mother and you're choosing to go to seven brew while you're overdrepping. Your mother. You stop in the gas station and get a bullshit. You're a mother and you're overdrepping your mother. You do not get to go to the zoo when you're overdrepping.

You, I'm sorry. You are a mother. It is no longer an option. This is no longer a choice. Driving an offer seven brew is not a thing.

Oh. Okay, so five. No, this is projected. What do you even have in retirement? Because this is projected where it's going to be.

I think almost three maybe. Yeah, two thousand six hundred fifty dollars. It's a little different for the state. They automatically take like eight percent. Yeah.

And if you're not doing great, it probably isn't getting great returns either. Yeah.

And then if you work there for like the number of years, you'll never run out of your entire.

I know. Well, pensions by the way are being pushed to the absolute mask, especially in Illinois. They're pensions. They're pensions. They're not funding pensions correctly.

I don't even know if that'll actually be there in a sustainable or high enough way to take care of the bills by the time you retire. Pensions don't want you. With the regulations and pensions in the risk adverse nature and pensions, their growth rates are absolutely horrendous compared to the overall marketplace. And it doesn't. It doesn't keep up and then it's hard to repay out.

And it's a brutal. Okay, income. And we're not coming. No, if anymore. So three hundred three thousand six hundred dollars is your income.

I also get like two hundred for reimbursement for gas for my job. And that's like the average. Okay. Okay. So three thousand eight hundred.

Let's see average. So every piece of gas. Yeah. Then I'm putting gas is zero and income at three thousand six hundred. Okay.

Okay. So you're mom owes the house right all all are full loud. No. Why are you paying property tax in these weird chunks instead of because paying her for the property tax portion of the mortgage? Her mortgage is set up.

It doesn't include the property times. Yeah. I'm just. It's weird. So I don't know.

But now you pay far. Okay. Either way. One thousand four hundred eighty four dollars is sixteen cents as your minimum fee of debt payments. That's chaos.

And you're having fun. What's your rent? Three sixty five. So including the property taxes? No.

How much of that? Two thousand. Per. Year. Okay.

“So two thousand when you need to save monthly divided by twelve plus three sixty five.”

Okay. Your monthly rent is five hundred thirty two dollars. Gas electric utilities all that combined how much. And internet as well. Let's say I don't have internet.

But three fifty four. Yeah. Water and gas. Okay. Phone bill.

Yeah. Current insurance. One eighty. That's very food. It's going to be.

I'm going to say five hundred dollars.

“You're in the kid meal plan meal prep warm up.”

That's what it's going to be. Follow the meal plan. Follow the cookbook. Easy. Easy.

It's a little annoying. It's not the most luxury single-world bite. You'll be fine. TV fund 200 bucks. Anything else you in the kids need to survive.

So pay for tampons on the good stuff. Make up medical health here. Copays went out on a monthly basis. Uh, not about forty dollars for medication. Okay.

Yeah. The gym. Uh, thirty. Good. Subscriptions.

I'll also put forward. You have pets. You have a cat. You have pet insurance. You do now because no way you can take care of it.

If something bad happens. Fifty bucks. How much for pet food? Uh, about twenty five every for everything. Anything else on a monthly basis.

“Then I need to take in a count before we know what your minimum budget to survive is.”

No. Okay. Yeah.

Who basically a break even?

Three thousand five hundred ten dollars and sixteen cents. Does he ever miss child support? No. That's good. But you have an extra call it 80 nine eighty four a month.

And that's if we hit it exactly. You know, utilities and all that. So it's probably closer to 80 or hundred something like that. But the reality of your. Or was a forty eight thousand dollars a dead.

Why do I, eighty nine point eight nine. Five hundred thirty three five hundred thirty four months to pay off. It's literally forty five years forty four years. Listen, your career's not a good career. I'm just going to let you know.

Time to look into other careers getting into other things. And if I'm going to think about it, I agree with that. But you're even earlier said, I'm not going to subsidize this. Your child tax credit and helping to pay for child care. Yes, you're.

It doesn't matter. That's fine. But let's get you to a place where you're not subsidized. And you are out there being a giver in this world. And you're bringing enough money to take care of your debt.

Now that's going to take work. That's going to take time. Certifications.

“That means that is not moving for a bit.”

And. Or. It's not moving for a bit. And. What I would allow keeping this car.

But you change your behavior for two months. You follow this trip budget show that you can follow this strictly for two months. I will allow you to go through bankruptcy. Not cheap. Not stress free.

But still, at least wife's most of this. Maybe not the daycare. Certainly not family debt. And then we want to keep the car. Honestly, potentially repo.

You know, voluntary possession, then get the rest of it. Whip from bankruptcy and you get a 10,000 hour car. A shitty interest rate for sure. But a 10,000 hour car that we can manage. That's a play.

Then you wipe that out. You get a fully front of emergency fund. And that's our future. But you cannot do any of that. Just like your big 35% loan you did earlier.

You can't do that until you release proof. You can follow this budget exactly for two months. And if you've got. Then no, you don't. You don't.

That's what I would do. But you also need to look at career change. Because this is not going to be an offer single mother going forward. If you're doing a household maybe single mother is going to be hard. To get for the future you want.

Okay. As the post shows going to be great. We're going to bring in her sister. And they want to confront her for her sister. Once the comment and confront her.

I'm depending on her mom. The post shows going to be great. It's going to be one of the best ones we've ever had.

Well, let's get to the end of the financial score first.

It's been in your budget. You ever spent zero out of ten debt. Well, family debt all the stuff. But no collection, so I asked that. So one out of ten. No, you do have collections.

I mean, you got the lawyer shit. Okay, zero out ten. Mergency fund. Nothing. Zero out ten.

Determined extremely low for 29. One out of ten. Real estate. Nothing. Zero out ten.

Hammer financial score rounded up to 0.5 out of ten. Get yours. Kill. Hammer dot com. Now click the join button.

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I'll see you there. Anyone who come on and confront your sister about the reliance on your mom. Our mom works really hard. She doesn't make a ton of money, but she loves us unconditionally. Mom works like 100 hours a week.

She struggles with her bills.

And she finally supports you.

This is something that already happens in the family. And yet we're seeing it right here. Yeah, I guess so. Camera elite is the best YouTube membership on the platform. And I just upgraded it.

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