I've Never Seen This Before | Financial Audit

You can do it every day,

on the other side and on the house.

“You can do it if it's on the other side.”

And because you can do it, you can do it on the scale that you've been asked. Because it's an easy way to do that. Or you can do it at your own credit at your own credit, at your own credit, at your own online.

To watch episode of Financial Audit a week earlier, check us out on YouTube. I wanted to come on here because, like I said, I feel like you've had a lot of lip-tarded trans people on you. You don't even know what that means.

Like, lip-doll. Yeah, we have people left wing on the show. Oh, we have people right wing on the show. I thought maybe you might be one as well. Why am I lip-turn?

Just the people that you have on here? Oh, my goodness. You haven't only [BLEEP] has nothing to do with me working with kids during the day. I put them to a trendy boot camp, essentially.

I'm also sure the parents of the school love that you have a [BLEEP] boot camp. Something big is coming. Something that's going to change personal finance forever. And the first 500 members get to lead the church.

Go to dollarwise.com to change the future. Hi, I'm Rickson. I'm 32 years old. I'm from Minneapolis, Minnesota. And this is financial audit.

OK, I have to ask a couple questions. Just so I'm being respectful. One, are you born a woman? No. Really?

Yeah, I'd hit it.

“Well, I guess that's actually not that complicated.”

Not you clocking tea right away. Well, fake tits and masculine features. Who would have thought? Not me. Good.

I just want to make sure I'm being respectful. I paid a lot to forgiveness and that.

You're on the sheet well, but that never really works.

No, no. But that's OK. But that's OK. Doesn't mean I don't respect whatever you want to do. So are you?

She heard. You specifically requested not to do pronouns. That's the beginning. Yes. OK.

And I can do that. I've been called date them before. OK. That was very upsetting. Yeah.

Oh, based on what you just did was offensive. And you are naturally wine? Yes. OK, because I see lots of dark tones that I feel like you're trying to hide on your face.

Oh, sure. Like there's some black here in here. Yeah. I was just contouring the blend well enough. OK, I thought maybe we were pulling like a white chick's situation.

I'm naturally white. No, we're gen. OK. That's good. No, we're no region trans.

We love them. That's everyone's favorite kind of trans. I mean, you've had a lot of interesting trans on here. Yeah. OK.

You've had a lot of lib-doubt trans on here. Switching sides. lib-doubt trans? lib-doubt trans. Yeah.

lib-doubt trans. What does that even mean? Yeah. I don't know. I've been thinking that you kind of had a thing for lib-doubt trans.

I don't think I don't hate trans people, but I also don't think I've ever had sex with a trans people. Never know. Well, I mean, once you get down there, you kind of know. But sometimes, sometimes not, though.

OK. Then pause. Can I ask the question? You may ask the question. Is it there?

Does it dangle? Nope. Really? Yeah. Oh, my goodness.

How much is this cost? Well, thankfully, I got it covered by insurance. Insurance? Yes. OK.

A lot of people are going to be upset that they've contributed to the pile that makes their premiums more expensive for that. Ah, I don't really care what people do, genuinely, generally, so. I wanted to come on here because, like I said, I feel like you've had a lot of lib-doubted trans people on your own.

You don't even know what that means. Like lib-doubt. Like super, like, we have people left to wing on their show and people right wing on their show. I thought maybe you might be one as well.

Like a lib-tart. Hmm. Why do you even think that? Like, I don't even care if someone does. I don't know.

I've watched a lot of you here. A lot of your shows. No, every time I take a political compass test, I'm in the middle. Much in the middle, I'll take left wing positions when the facts are there. I'll take right wing positions when the facts are there.

That doesn't mean I sit on the middle on every issue. It means I start from the middle and I'd go where the facts are. I don't really give a shit where it comes from. Why am I lib-tart? Just the people that you have on here.

We just accept who applies on the show, but I'm guessing you are not lib-tart because

that's very important to you, identity politics critical to you making it through your life,

I guess. Yeah. Oh yeah, definitely especially in this world. But you're trans, you know. Right?

Exactly. Okay. I love you a little bit.

“Do you think you should play in women's sports?”

No. Okay.

You're a controversial one, aren't you?

Yes. You're all over the place. All over the place. How did you get there? How did I get?

Where? It's rare to get a right wing trans. I wouldn't call myself right wing. Okay, you immediately called me a lib-tart, it's hard to not think you are. I know.

For that I wouldn't, I don't agree with everything. Right? That's fine. That's fine. That's going.

Okay. Oh, just confusion out of the-- Okay. Oh, I know. I'm an interesting one.

What do you do for a living? How about let's start there? What do you think I do for a living? I already know what you do for a living because you told me before. Dom-ass.

I don't. Stupid. Can I actually use that word correctly? Yeah. I don't know.

True. Okay.

So there's a lot worse things than you can call me to.

I'm not using the F word. You're not going to get me to use it. I'm not going to use it. I'm not going to use it. There's another one.

There's another one. There's another one. I'm not going to say it. There's another one. There's another one.

Yep, that one. Oh, is that the one? Yeah. I use that one. Okay.

I assume you use the N-word as well. No. Not really. No. I've been accused of it.

Who accused is people of using the N-word? People that don't, like, without actually hearing, you could say the N-word. Yeah. No. I mean, you do look like a Fox News house with a, with a, with a jaw line.

It's a joke. Yeah. Thank you. Thank you. Right?

I, I'm planning more surgery. So. Okay. How much has this all cost? Well, this is a financial audit.

Right. And it, it is, it is mostly covered by insurance.

“So what, well, okay, what, what have you spent on it, dollar-wise?”

Nice. Very budget. I was just going to say. Okay. All right.

Calm down. Calm down. Calm down. Calm down. How much has it cost you?

Uh, for the, some of the other people are coming in late, Brandon Lindsay. They watch so they can do the pro show, post show, Brandon, we have a, well, he knows. I love it. We love it. I weigh the end before I give him.

He's like, who? This is person. Okay. So how much has this cost you? You're a firm in surgeries.

Yeah. Well, what I, I had to play, or what is it like? Oh my goodness. Yes, you're money. Why have you spent?

Because I know you don't make much money, even though you haven't told us what you do yet. It's kind of annoying. But I know what you do. I assume it doesn't make that much, but please, how much have you spent?

Please. It's like a very thankful, I've been like five to seven. Okay. Over the course of, like, over the course of how long? Uh, six years?

Okay.

“And how much is the rest of your surgery's gender affirming going to cost?”

Uh, you know, she doesn't have a penis? It's impressive. Thank you. Sorry. I just, I like to share these things with Brandon.

You didn't get to experience the first five minutes of this mind-blowing conversation.

That's fine. Yeah. So how much? Don't you just leak urine, isn't that the issue, though? I heard, like, I've heard of that.

That is something that happens, yeah. Yeah, you gave a face like, well, that's weird. Well, that's not my thing, yeah. But it, has something to say. Oh, it happens to people that don't go to third people.

Okay. So what do you do? Um, I am a manager at a coffee shop. Okay. Oh, they got there.

Yeah. Good, very good. And how much do you make? Vixen. Um, about 800 a week.

That was at your net. Is that what's your account? Yep. I have another one coming in. No, she does not have a penis.

I did do that. That's impressive. How do you know these things? You're not even the producer assigned in this episode. Well, I guess I'm obsessed with it, so--

Oh. We got lots of big fans in the office. Okay, so was it 800 net? Yes. Okay, times 52, so $41,600.

A year to be the manager? Is it $41,000? Is it $800 a week, you said? Yeah. What did you put in?

Times 52, because there's 52 weeks a year. $41,600. Net? Net? Mm-hmm.

That's net? Yeah. I thought it was something like $50. Is that before taxes? No, that's after.

I thought it was like 800, you know how much hits? I thought so.

“Wait, do you not actually know what hits your account?”

Yeah, I thought it was like $850 or $800. You thought? Yeah. What? Is it hourly?

Look. No, it's salary. Okay. Then, this should be pretty consistent. The payroll that came in last month should be the number, right?

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Yeah, that's $60,000 a year.

Okay. Okay. What is wrong with you? How do you not know? I don't care.

Do they transition to the brain to dumb blonde? Well, that does happen. There's a whole subculture online about that. No. What?

“That trains become stupid after getting rid of penis?”

Yeah. I don't know if I'm getting it. I don't know if I'm getting rid of the penis. Well, I don't know. After what?

Is this real? People? I don't know what's real. People claim that all the hormones changes, like, your biology and your chemistry, and stuff like that.

Yeah, I mean, you're doing something unnatural. Right. And then change that much besides physical features. But you just said hormones and stuff.

I think getting rid of your balls doesn't change much hormone.

Why? Well, it's up. You stop producing as much testosterone. Well, that's. Yeah.

That energy doing estrogen? Yeah. Are these not hormone changes? Yeah. But it's not changing, like, the biochemical of what make up of your DNA, which is what

people say, they call the transomenbiological women, which is not true. Correct. This is your excuse for not knowing how much you make? No. That's just genuine.

Like, I was shocked. I thought I was like 800 a week. Oh, I got us. Colton said you went on a full rant of a long, delicious reasons you don't even like the trans community.

Yeah. What are you? Yes. You're such a confusing beast, aren't you? Yes.

Because, huh? Beast, definitely. Yeah. What is wrong with you? Why, why, why did you go fully down this rabbit hole and you hate everyone around

you? That's in your community. I don't know if I like hate them. I just don't agree with it. What?

Don't agree with what? I don't like, I don't agree with what the trans community is putting out there. And I asked what, oh my goodness, you have gone, I don't know how this happened. What is wrong with you? You are not smart.

Please. What?

“I'm just, I'm just saying, like, I believe that it's okay that trans women.”

It's okay that our biological man, it's okay to say that. I think everyone agrees with it. No, they don't. They don't. No.

Okay. Well, okay. People can do whatever they want. It doesn't change my knowledge. I know.

I know. Exactly. And then we have people saying that these young kids know that they're trans at a young age. No.

But that's like one percent of the population that's actually even like acting on that shit. Like it's, but it gets blown out of proportion. It certainly does. Yeah.

But I mean, that's okay. So that's your whole freak out. Well, no, I just, I have values on why I don't believe that's a thing. Do you watch boxes? No, I don't.

What do you watch? I don't really watch. Where are you getting things from? It lived experience. No, come on.

You have opinions. And some usually it's hard to get into an opinion without at least knowing it exists somewhere and you come on. I mean, I have friends on both sides. Okay.

I have friends that are very. So let's go. And I have friends that are more right wing. Okay. But the way you talk about it, lib down and write wing clearly makes you look

less upon the left. Meaning you are right wing regardless of what you say. I mean, I consider myself more libertarian. If you are, I consider myself a libertarian. Okay, libertarian.

So you can do whatever you want. Yeah. Including their children. Well, I guess. Obviously, you can do whatever you want.

People are dumb. I know about kids. Yeah. If we're going full, libertarian. Before I worked as a manager, though, I was elementary teacher.

Well, in Minneapolis. Actually, I was going Minneapolis at that time. Oh, I was going to say they wouldn't care, but I could just see that being a hyper

Where are you? I was in a red state. Fargo North Dakota.

And what did they think of that?

They never roll with it. Because you're halfway convincing? Thank you. Half way. I know.

I'll take half. She's getting there. She's spending more.

“They never, they never problem with it because I just did my job.”

Okay. Okay. Well, maybe things are blown over the top online. Who would have thought? Well, they are.

Exactly. Usually, when people see trans or hip-hop trans, they have some kind of trans women are women, and these minors should be... Oh, are you a woman? No.

But trans women. So it's like a new breed. Sure. That works. Well, man.

I don't love the idea of saying trans women are men, but it's like biologically. But biologically. It's gender. Don't they separate gender? Oh, yeah.

Biologically. All the time. Well, you don't get it.

Well, look what you've done.

You've done something. I know. You're not identified. I know. Well, yeah, I guess, but I don't go around saying, I identify as a woman.

I just can't. Which is on your existence. I know. But you were forced to leave your job as a teacher, so obviously they had some kind of it.

She was what? So on my social media, I post some more spicy content. Spicy, but they're all fake anyway. So what is there even spicy about it? Because the don't exist your boobs aren't real.

The parents. The vagina's not real. The parents did. I guess you can post a boat hole. Those are pretty gender-neutral.

Which I can't do. Oh, then what's the point? Parents would find my luck. I mean, look at you, your tits are right now. And I'm not even looking.

You know, why? Because they're fake. Why even look at that point? Fair. Yeah.

But parents would find my stuff.

Well, I'm posting x-rated stuff. No. How was gay? Just like I show us lingerie. Show us.

Laundry photos. Let's see. See if this was a justified firing. I think it fired from my left it. Oh, yeah, forced to leave your job is kind of what I got.

This is your risk A. Yep. I mean, this is the kind of content that people post when they're trying to sell OF. True. So it kind of makes sense, right?

I don't think I would want my teacher doing that. But how are they finding me? Well, they looked you up. Yeah. Because they were the teacher.

Right. But it wasn't. It's not the same name. One person found it and then they shared it within. I know.

That's my private business. That's nothing to do with me working with kids during the day.

“Yeah, I mean, I mean, this kind of makes sense, right?”

I would understand why they would kind of want you out of there, right? So I shouldn't have more conservative state. No. No, I did. That's the greatest.

This was the last time you were like a parent of the guy. Can I see it? You got, you can see it? Have a guy. You'd be in a guy?

Yeah. No, show me. You just went through the pictures. I wasn't looking internally. I was just like, you know, seeing that, like I think it was relatively fair.

Oh, my goodness, what the f***. That is crazy. Make sure we put that on screen right now. What the f***. Yeah.

That is crazy. Are you doing anything to your voice or is that natural? Um, well, I mean, this is how I talk now. Yeah. But are you doing something intentional or is that just how it is?

No, this is how it does not. So as, like I said, I was an educator, a music educator, I should say. Really? What are you doing music? What?

Where? What? Well, kind of music. Oh, elementary, elementary music, as you can. Okay.

I know, sorry. But I was also a voice. So not a real job. Oh, there's a room on that. I was also a voice teacher.

So I understand how the vocal mechanism works. So I was able to train my voice to sound like this now. So how you do in 5,000 hours a month? By the way, thank you. That's a compliment.

What? About my voice. Oh, yeah. I mean, you're imitating like a biological woman. Yeah. So I thought, you know, maybe you're doing something nice, but I don't know.

No, no surgery though. No surgery on that. That's the surgery you can do? Yeah. Oh, my face.

Oh, vocal feminism. VFS. They call it highly against that. It's extremely dangerous. Oh, then, yeah, probably shouldn't do that.

Yeah. Okay. This episode is not about trans. That's why would you think. However, it's just, okay, rabbit holes.

Listen, you thought you made $3,400 a month, but you make $4,900 a month. How the fuck were you so wrong? How can you pay bills?

“How can you even pay bills if you're off by that much?”

I put everything on my apple card and then paid off it in the week. At the end of the week. Yep. But that's not pop. No, if you think I make $1,500 less than you make, how are you even surviving?

How are you budgeting? How are you existing? How are you doing anything whatsoever? I mean, like I said. Okay, what was your outflow?

I have your inflows $5,000.

Just this last month? Yes. Well, this is Christmas. $25,000.

This one with you is $9,307.

How can I be that wildly off? What are you talking about? What is wrong with you? Um, I don't know. I thought I thought I understood it.

See, this is what people say, and this is why you're here. This is why I'm here.

“Sure, but I need to know a little bit about where you're coming from, how your life is now.”

How your mentality is now, so we can't fix anything. How the fuck were you that far off? Your own assessment. What do you think? Going back to the last month, you're looking.

You thought it was $2,000 something. How? How? How were you there? Just because I was thinking about Christmas gifts.

So you thought it was only $2,000, you're entirely spending for everything. What's your rent? So rent is altogether $1650. So how the fuck do you think you only spent $2,000? You think everything in your life was only $400,000, $5,600 more?

Sure. Sure. Okay. I got you. I was not sure.

I was not following. It was not following. Broken. Okay.

So I spent $9,000 last month, oh, my God.

Yes. I agree. That's crazy. Of what's crazier is that you think you only spent $500 more than your rent. For all of your expenses combined outside of that, including any kind of fun you did.

Health care that you do copays, trips, gas, food, electricity, internet, gas for driving. All of the electricity, internet, all of that is bundled in with money. Okay. But the fact is, you thought you only spent $400 more than your rent. But the fuck are you talking about?

What does it look like right now? The way you do your finances, please? Well, since I started watching your show, I downloaded the dollar wise budgeting app. Yes, it's a good start, so tell me what are you doing? What?

This thing looks like you're clearly not using it if you thought you only spent $2,500 last month. No, I have the fuck. You're talking about. You're right.

Like I said, I am just paying everything off my apple card at the end. Is that it?

“That's what your entire life looks like.”

That's how you can define your entire financial life. I pay off my apple card. That's it. Nothing else exists.

You can't tell me a single thing outside of that?

What is wrong with you? How can you not, you know you're on a podcast, right? Yes. How can you tell me what the fuck is going on? There has to be more in your life other than you pay on a credit card.

And that, oh, I got tits. Gradulations can only hit you so far in life. But I like them. Close, not perfect. Almost there.

Good. Well done. But you don't like them. I don't care. One their fake.

Yeah. And two. And. And. I just, I wouldn't do it because it's hard when it doesn't get naturally

wet. And also. It's like, yeah. But if I'm interested in the boobs in other way, it means we're going in other directions.

“So it's like, do I want to go to the full package?”

Probably not. So I mean, you know, you know, do you have you? Do you even know? Does your vagina get naturally wet? Yes, it does.

No. How? Because it, I did a surgery that a different kind of like procedure. It's called. Oh, what?

I don't know. I don't know. I don't know. I don't know. I think so.

Well, the rose. It's beautiful. Folds and everything. And it's the same feel. Has everyone said it?

It's the same. I haven't had any complaints. Okay. Yeah. But just to the same feels the same.

I guess. Yeah. I mean, I don't. Wow. This is crazy.

No. That's impressive. Congratulations. Okay. I'm trying to think.

Then, then, then you're right. Of what? What was called? My logic was flawed. I only don't like them because they're fake.

Fair. But there's different like procedures that you can get, like how you can get it. Like you can get it with no depth whatsoever. More like aesthetic from the outside, instead of not out depth of that. Okay.

Okay. Stop taking me down the transfer of whole. You are more than that. That cannot be the most. No.

It's the same thing in your life. No. I appreciate you saying that. You're not able to give me anything beyond that. The moment something translated comes up.

You're able to talk like crazy. I don't ask anything about your finances. I pay off my apple car. Because you give me something. I need to know what your life looks like dude.

It's because.

You can say whatever. You don't. I know. So it's brawl. It's fine.

Especially at this point.

Uh-huh. Go on. I just really thrown off for the finances thing. I thought I made more than that. What?

That you made more? No. No. You do make more than you said. Yeah.

You don't know that yet. I was just going. I have clarified that you do make about a thousand five hundred dollars more than you thought. Are you.

Are you having not caught up to that yet? I caught. I'm caught up. Are you sure? Oh.

How do I get through this? Okay. Well, so why do you go to Minneapolis? That's where I was born. Okay.

So. Born or raised Minneapolis. Okay. Okay.

“Why don't you just be hoping like a trans daycare or something?”

A trans daycare? You'll make an infinite amount of money and no one in Minnesota will look into you. Well, now I'm going to sit. Yeah. That's fair.

Were you not able to follow along on that either? Oh, my God. I know that's happening right now. I said it's fair. Yeah.

You're ready. Seconds later. I'm also white. Not small hands. It counts.

Yeah. Do you like it? I'm only in the hot air. Yeah. I don't know about superior in Minnesota.

Yeah. It's fair. It's blue. It's such a okay. Oh, my gosh.

You are. How do people have conversations with you? It's good question. I'm very controversial on a lot of things. I don't think so.

Because you're not able to speak. You don't think so? No. You are not conversational. You're impossible to have a conversation with.

Besides the budgeting thing. And like answering your questions. This is financial audit. I need a little bit on the money. I know.

I know. You got to give me some. But some information.

“But this is what I go into these numbers with any kind of knowledge.”

Right. But this is what I'm doing. Like. What I said about the apple corridor for everything. Apple card and paid off.

Like I saw a part of your thing was like to make an Excel spreadsheet and like put. What would you pay for each of those things down? Okay. Listen. Again.

I'm glad you want to talk about trans. I don't really give off. You've picked my interest a couple times on the vagina thing. Especially because that's just like one. We love vagina's here.

Two. I think a lot of people are curious. Didn't you say a lot of people are at one of your last shows that you were thinking that you were buying at one point? Yeah.

A long time ago. How did that? What sparked that? Experience with. Young.

Okay. I'm asking the questions, though, because you're on my path. Sure. I was just curious when I heard that. I was like, oh, okay.

Musician. Oh, for fuck's sake. Okay. So if a trans part is a big part of your life. Let me boring that to finance is obviously.

We're trying to budge it in. Some future operations. What are some things you're trying to do? This is a question I tried to ask earlier that you couldn't answer. Let's see if you can get to it this time.

What is it going to cost?

“What are some things you're trying to do in the near future?”

That we need to budge it towards. So I, as a trans sexual. We know that. We know. Four surgeries.

We know that. I'm trying to ask you what they are. I just established that for you.

I want to get a second round of facial feminization surgery.

Okay. So what are you going to do? I want to go to Turkey and get my face cut up again. Yeah, but what are you trying to, to Turkey? So you have to fight in Turkey.

Well, Turkey. What, what are they going to do? Like, what's going to happen? Well, I want to get what you've noticed. The, um.

Yeah, you have a man job. Yeah, exactly. I want to get rid of more of that. Even the word. Like, you saw it before.

Man jobs are hard to get rid of. I know. They're very, manly. And then I also want to get more of a Barbie nose. Turn your side to my side.

Yeah, turn your side. Let me look at you. You have a good nose. What? Because wrong with you.

Not good enough. Oh, my goodness. Okay. Also, also, I want to get a VPL in Turkey. All right.

Give us a twirl. Give you a twirl. Yeah. Give us a twirl. I'm objectifying you right now.

Come on. I see that. Well, I came on this show. Yeah, you need one. Okay.

Sit down. Yes. Okay. I got it. That wasn't embarrassing at all.

Huh? Okay. So what is this VPL going to cost?

The obviously crucial one here.

Because your ass is the sad excuse. Yeah. I know. Thank you. It's going to cost like 23.

25. 25. What? What? The nose one.

That. You have a good nose. That's because you look like a man.

So what does that get us to about 40? Yeah, around there. 40,000. For your income. That's crazy.

How are you paying for it? Because no insurance, right? That's out of pocket. That's out of pocket. What?

Fucking paid for that. I mean, I haven't paid for it yet. But no. I want to. No shit.

I'm asking how are you paying. The answer to how are you doing this isn't I haven't done it yet. What is wrong with you? You can.

You've never been on a podcast.

I have. What? Because no one who comes on the shows ever been on a podcast.

“You're telling me you've been on a podcast and somehow you are like this?”

Yeah. I mean, I guess. What podcast have you been on? I've been on podcasts with some friends. Aha.

There it is. A lot in the trans community. Aha. Okay. So very good.

They're my friends. How? Okay. Well, I said friends. And then you're like, uh-huh.

And I'm like, yeah, that explains why you haven't actually done any real podcast. All right. Not something as popular as this. You got there. You figured it out.

Yeah. I do explain. But you did it. All by yourself. Okay.

So. I just.

I really just didn't want to.

I wanted to come on here because I didn't want you to. I didn't want you to put me in the same categories. All these other trans people that come on here. I don't put people in categories.

“But I'm putting you in the category because you're literally.”

I haven't put anyone in any category. Usually it's financial. God. What category am I putting them in? This is financial.

What? Huh? So this is financial. Not. God.

What category have I put them in? Like trans people? You just said I put them on. Okay. You just said I put them all in a category.

And you don't want me to put them in this. You in the same category. What category have I put them in? Okay. I got you.

Hey. We got there. We got there. Oh. Yeah.

Yeah. We got there. We got there. You taught it a school. I know. It's not children.

Music though. What category? I've lived out of trance. I don't believe that I've done that. Okay.

This is for what I've seen. I'm not putting you in the live target. I'm putting you in. Thank you. Thank you.

Thank you. No, no. I can see that. But what I want to do is not to get a lot of students. The master of the team has been taught to the internet.

So master is really great. You can say that you can do the correct thing. You have a career. But you don't do it. I'm not.

I'm just going to do the challenge. Do the whole thing with this career. And if you work then you'll have to do it. That's right. Save.

How is this career? I'm going to do it. Yes, because no doubt will be in. You know. It's it.

Yeah. Buddy. Back to Turkey. And then flights and hotel. Yes.

And food. Yes. As expensive. So how did you plan on paying for this?

“When the only thing you could tell me what your parent's actual life is, I put money on my”

Apple cart and I pay it off. So how do you plan on paying for it? Please, please, please. Hopefully. Yeah.

When I'm playing. So no plan. No. How do you plan on figuring this out then? Because you said plan.

And I'm budgeting. So you figured this out. How do you plan on figuring this out? Taking the extra money that I don't use from what I when I get paid. And then reminder.

Maybe 9,000 went out. 5,000 came in. So. Yeah. Correct that.

So how do you plan on doing that? 9,000 used to come out though. What did you just say? 9,000 doesn't usually come out every month. How do you know that?

You thought you made 1,500 out of less than you do. You thought you spent 500 hours more than your rent. How can you say 9,000 doesn't usually go out? How can you possibly say that? How can you be a reliable narrator for that?

In any way, what's so ever? Please inform me. I guess you're coming from however. I don't.

I've never, I don't think I've seen that.

Like as a summary of my bank statement. Like that never really threw me off.

And you get some extra money being a professional singer as well, right? So that'll help. Yeah. Tell me about that. I mean, people hire me for funeral's weddings.

Uh-huh. Yeah. Tell me about that. Tell me. Tell me.

Tell me. Yes. I just said, you make money doing that. And then I said, tell me about that. And then you didn't tell me about that.

Because you are certified actually.

“But I believe we uploaded before we uploaded you.”

Financial audits most. Guess. Unfortunately, they have already been superseded. Now I'm rubbing off. It's rubbing off.

It's rubbing off. At least it's not the trans thing. That's not rubbing off isn't it?

Well, I've never had a desire to be a woman.

Thank God. Good for you. I must be an ass. It is. I think I guess.

Being nice to become triple on your own skin. Okay. Hold. Why'd you freak out and go all women? My dysphoria?

Yeah. Haven't you ever dysphoria? My young age? How do I? Oh, my God.

Because we're getting in a lot of people surprisingly. Even on Lib talk. That are saying like, why are all my trans friends detransitioning? Yes. Because they transition for their own reasons.

Well, reason was that. Exactly. What reason is it? Mine. I can speak to you because I had gender dysphoria from childhood.

And what was their reason?

The nutrient detransition? Well, because they transition because they're friends dead. And it was the social thing because of trans TikTok and trans trenders. Okay. And that's why I wanted to do this.

“I think you're making this side gig of singing.”

No. That's not that consistent with it. It's like $300 to $500. Sing me a song. What song?

Oh, I like Sabrina Carpenter. Okay. So, just. Come in. Please, please.

Some blue light. Can I even do that? Like copyright? I don't know. Keep going.

That's only when I could pick up at the moment. There's more to that song. I know. Sing something else you know. ♪ One day my ears ♪

♪ Nothing I'm begging you ♪

♪ Don't ever miss me, mother ♪ And what do you make from that? Let's reaper in five hundred dollars. Anyhow, many songs. For what kind of events, funerals?

That happens in funerals? No. It's more like... Are they Maria? Yes.

“Oh, you want me to sing all of it, Maria?”

My gosh. ♪ Oh, we're Maria ♪ ♪ Gratia, Flena ♪ ♪ Maria, Gratia, Flena ♪ ♪ Maria, Gratia, Flena ♪

What's with the weird pauses? Probably not getting the right breath control. I'm nervous. That's like when your tone breaks up, you all have a son and... Yeah.

Yeah. That's... People pay for that. Well, it's you, okay. Pausing all.

Usually I'm better warmed up than... I wasn't expecting this thing. Okay, so we... I really wasn't. We can't put any projected income on that?

I wouldn't know. It's more of a side thing. It's not consistent. So men? Straight men?

Yep. Yes. I have to ask the curious questions in between here and there. Yes. So get my curiosity going.

Yeah. How often does a straight man uniquely... Yeah. Ah, how often? Like someone who's not coming back for seconds.

It's usually... I don't... ...continue it. No. So how often does a unique person? Like...

A unique person? I don't... Like someone that you haven't slept with? How frequently do you... A straight guy? Straight, not by?

Okay. No, I prefer a straight man. I know you do. Not a lot, not like frequently. Not like two to three a month.

So one to two? Sure. Okay. Good. Good for them.

And they do it. No questions, no flaws? No. And they're not even like curious. And not usually.

Do they know? Yes. Oh, yes. And they want that. Concentment.

Yeah. Yes.

I didn't. All right. He would. Congratulations.

We'll get you guys a room.

Oh, my God. Afterwards. Um... I am not about not disclosing because I'm not about... And would you give him a wood?

Absolutely. That's why I have this. Cherry slushy. Because he recommended that one. It is very good.

That is good. Um... Okay. Good. We got the tanker.

Well done. Let me know how it is. I'm genuinely curious. Oh, God. I'm just...

None of us have, like, experienced that before. So... Yeah. You're a pioneer. Hmm.

Okay. Very good.

What do you think your financial score is zero tens.

You're being the worst 10 being the best. Zero. All right. If you want your financial score, take the assessment at CalebHammer.com.

It is free. And it just takes a few minutes to see where you stand in the world of money. Where you need to do better. Oh, where you're doing.

“Really? Well, already what you need to do to improve.”

CalebHammer.com. And if you don't want to be like, you guess who ends up on this show. One, don't transition to... Download it.

Otherwise budgeting. App. Take the free trial to see if you like. A new feature is being added every single month. At the time of this being uploaded by the way,

a whole new refresh. All bunch of new features should be added. And most people take the annual version once the free trial ends. Because it saves a lot of money, like 50%. And you get my budget friendly cookbook signed by me.

Mail directly to you. Check that out. All those links in the description below. Let's jump into these numbers. Oh, my goodness.

You haven't only... So we need to add that in. Come, too. So you didn't count. No, no, no.

Not. It's not significant. It's peanuts. Oh. Like $7.

$14. Oh. It's not significant. Okay. What can I add the singing?

You get a giga month on average. Oh, I just just two manager income. Okay. I'll do just manager income. Well, look what's on top.

The infamous output card.

“The only thing you know about your life.”

Yes. Outside of you being trans. Yes. Because that's what you've wrapped your entire world around for the entirety of life. I want to say that.

Well, you're literally able to talk about nothing. Outside of it. No, that's just about you. Well, not well. Gotcha, bitch.

Yes. Talk about how I'm a singer. And it was a teacher. I mean, Colton told me you're also trying to budget in becoming a buying a shit and equipment to become a twitch streamer. I did.

I did. You already did. Yeah. But he says. But also, you have to buy a new computer.

Why? So we have to budget in 40,000 hours for this trip. And then you're going to get, you're going to get all this equipment to do twitch. Yep. That's kind of [bleep] stupid.

I'll be honest. But what's not is actually getting a check-in account that gives you free money? Free money? Well, like free money?

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Check it out. Link in the description below. Sign up for time. Get that $350 right now when you're checking account. 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. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our hammer elite show, bat and fatter. The number one ranked energy drink is...

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Caleb. How much is that gonna cost? What are you getting? Bet? I got about...

I don't know about... 2 25... 3,000. For that. I'm gonna need.

That's more realistic than the whole surgery thing. Yeah. I don't understand. If you're spending more money than you make. Well, so the surgery happened or not.

Listen. I'll punch you for whatever people want to do. When people have bad reasons for leaving the country, I still will make a plan for them to do it. If you're budging to get a chin and a butt or no chin and a butt,

I will do it. But is it happening or not? You tell me. Yeah. That's gonna happen.

Okay. So we're doing that. But this doesn't make sense of all of a sudden. We have the upgrade or game in equipment. We have to do this.

It doesn't get there. But I'm thinking in terms of the fact that it's a smaller amount. Therefore, that's gonna come before the surgery.

It gets immediately drained.

“Every time we hit this, these little goals along the way.”

Right. So you don't ever get to the big goal. So that doesn't make sense. Let's more important. Twitch or butt.

Wow. Oh. That's a good question. More important. Or...

Because if I did... What could make more money? You just took... Yeah. Okay.

Maybe. You eight. No. Sina. My new crush.

I love Sina. She's like, "My gunna's. I'm obsessed." Like, "Whoo!" And Pokemon also my wife.

Oh, my gunna's. Those two. Listen. I just... Both of them.

I'm proposing to both of you right now. Okay. What did they do? Girl. I know.

I haven't started. You said you didn't in the past. I know, but like...

“I mean, both of them tell me you literally sleep in your living room so that you can make your bedroom your twitch room.”

Yeah. So clearly, you're prioritizing that. I am. I don't think you're gonna make money, though. I mean, Brandon and Tyler do pretty well because they have the connection of this show on their twitches.

They still don't make like money. Like, livable money. Money that'll go towards goals. It's like extra the howl. Brandon does twic.

Yes. And he actually has a platform on like you. That's true. That's true. And he still does.

Just halfway decent. It's more like passion. I assume. Yeah. Like 500 bucks a month.

What is getting? Let's see. Yeah. I can quantify it. Get his mind on it.

Like most every day. Yeah. And you just see. And then this is makes no sense. Cause you catch such a 401k.

So you have to spend on your hobbies. And then you just paid $8,000 for laser hair removal. So how do we ever get to these goals? If you're just blowing thousands on bullshit along the way. This doesn't make sense.

$8,000. That's not bullshit. Depending. If you're trying to get to the big goal. Anything that is a want that takes us away from that big goal is bolster to my head.

You had it to the 8,000 for laser hair. Yeah. Why? Shave. No, no, no, no.

Laser hair is great. Trust me. Oh, I funded it for my girlfriend. Don't get me wrong. Right.

So. Electron. But you're trying to get to the butt. You're trying to get to the notion. But electrolysis.

Okay. So before I could have my bottom surgery. I had to get electrolysis. So I did get all the hair moved. Oh, for what?

How to even buy that? How do you afford that 8,000? It makes no sense. Well, that was part of the. A 401k?

Yeah. 401k is already time. It's gone for the sake of not having hair. Yeah. So like that's a bottom surgery.

The things. Did it do? Was it big? Oh, God. Um.

I don't know. Think. I don't think so. Oh, okay. It's fine.

Wasn't better in the world. Okay. Wasn't contributing much. No. What?

“You're offended by the thing you want to get rid of?”

No, I just never thought of it in that way.

So it's just kind of like. What? Did you kind of do some math in the end? Everything's cornered. Yeah, but I never thought of it as.

Yes. I think they were over it. Well. Sure. I guess.

I don't know. I just never thought of it that way. Did you imagine it? No. No.

No. No. You never jacked off. No. Whoa.

Marks just freaked out. He's the. He jacked off like a profession. Oh, my God. Yeah.

That's. Yeah. I've never thought of it in the way. Okay, so I can see that feeling like an emergency to pull your 401k out. I can like, I can see why it feels that way.

See, this was more of an emergency than getting. I'm going to be there. You looked at your- Can you vomit it? It's, you know, I can't relate, but.

Yeah. I look at mine and I come. That's okay. I'm easy. All right.

Did not know that about you after all these episodes. I should have known these. Oh, no, you know. Now everyone knows. I just look at, oh, just did it.

I'm an easy one. All right. Okay. Yeah. Apple card.

So I use this.

Usually where I ask what's going on here, but I'm the answer is going to be.

I put money on it and I pay an off. Is there anything else? That is okay. That's it. I put, I charge it and I paid off the end of the week.

You paid off every single time. So it never occurs interest. Yes, because the interest is pretty high. Oh, my goodness. And then on here isn't saying, oh, my absolute goodness.

What are you doing? What are you doing? That's a lie. You had a thousand hours of interest charged. Will you are a liar?

You don't know what you're doing. There's a thousand hours of interest charged.

What the fuck are you talking about paid off every week? No, you do not. No, you absolutely do not. So I am marking this as a debt. You're moron.

You couldn't tell me how much money you make. You're going to tell me how much money you spend. Now you're going to tell me that you pay this off every week. Well, you have accrue to thousand hours of interest. Twenty twenty five.

No. You. This makes no sense. You have no idea what you're doing. You're confused on your gender.

You confused on your numbers. You're confused on everything. And I love that for you. Except for the numbers part. You love that for me.

I'll thank you. Did you forget to be confused. It's okay. Yeah. Or dysphoric or whatever.

That's right. Yeah. Well, I mean, yeah, it's gender dysphoria. You had someone on here that had yellow hair. That said, dysmorphic.

Real tits. Were they great? Because they wanted bigger. No. No.

Wanted them lifted. Those things had gravity. Okay. Interesting. Okay.

You could only dream. It's true. So 25 dollar minimum payment with a balance of 2,159 dollars and 32 cents. 13 years to pay off of if we would make minimum payments only. And I know you put more than that.

But then you spend more. And then interest occurs.

“I think you just don't put enough torts.”

It to actually pay it off like the way you think you do. And then interest occurs like crazy. And I know you spend money like crazy. I'm being told right now. You bought four new outfits for this show for this filming.

I did. We don't do multiple outfits. You wear one. I know.

You have never seen anyone change in the show's history.

I know. And it was just because I wasn't sure what I wanted to do. And then you know what the best part is. And this is sarcasm. I'm not wearing any of the outfits that I bought.

You're. Why? Why? Why? Why?

It's just what I thought. I was going to. Like when I put it on. And I didn't. You spent on control.

You got a hundred inch TV for your living room. Yep. Your. What is wrong with you? You go absolutely crazy.

You buy for your Instagram. For the house. Yeah. It's for everything.

And then this is on this critical that is a clean interest.

Like crazy. You are pages of spending. You're uncontrollable. Your financial life is a defined. I spent on an applicant and pay off.

No, you don't. You don't. Broad. I can say that. I'm being.

I'm being good. Yeah. You're being. I'm being a good guy. You could say where things.

She's a. She's a. She's a. She's a.

“What are other one they've gone slot how are they go? We got to be missing the others for women you're missing the obvious one for women?”

No, well, I'm doing the women thing because I'm I'm being I'm being appropriate to your the identification. There's another one. Yeah, but it is it. I don't know I thought I was an expert in slurs I say them in my sleep What is the good slow on? The one that you started off saying that you weren't gonna say? Well, I'm not gonna say the af word I'm not rude like that. Okay. Usually. That's fine You originally because I don't say it to real ones

I just say it's my friends when they're acting like We did it we got there. I'm so proud of you But I'm Great and toastic. Okay. I'm so glad we got there

But I would never call you that. Thank you. It's like I would never

Call Tyler boy. I would never I would never I would never call Colton gay No, I don't you are but I don't It's still saying I know a star bucks star bucks. So you already work at a store Just make your coffee at home make your cut that one right there the energy drink. You're not buying energy drinks

You well, we are to know you are but that's okay. Yeah, game or subs. You are getting game or subs those are the free samples You can get the free samples right now use code Caleb a game or subs that gg links in the description below But also it's 40 cents a serving. You're making it at home. You're making coffee at home. Why are you buying a star bucks? This is so stupid Starbucks Starbucks Southwest Colvers should pull a pop mark

Pop mark for what oh your laboo boon your boo boon why are you you're past the trend laboo boobo's done. I know The laboo boo's done transitioning's done your past the trend. That was all COVID girl and you're fine. How much pop Mars on there? Well, there's one and then pop up Murphy's and Oh pop mark pop mark pop mark pop mark

“What are you doing? What is wrong with you? Does that funny? It is not cute. You're you're like so what is wrong?”

You don't want to manage your finances. You think you're not paying interest on here, but you are and then you're spending a lot boobo's every second really franceable boobs Trans laboobs. Why you're throwing everything away for pop mark what's wrong with you?

I was originally given a bunch of laboo booboos because I made fun of it with the people that I worked with They gave it to me like as a gift and I was like, I know I can't make fun of it And then I got them stolen so I had to rebuy them a gift. You didn't have to rebuy gift This is gone the gift's gone. I know I didn't and I wanted to have that still

Don't you want to first of all you already took from me a retirement we need to get your retirement caught up because even if you're trans

You still got a retire. No, no, no like you don't get to not retire anymore, right? I mean, I don't know Minnesota might give you an endless like amount of money for the rest of your life because you're trans who knows Maybe that'll happen at retirement But just hang out and let's rely on that doesn't happen. Let's rely on that not happening

“You need to retire you pulled it return me think you're going to pop 35 seconds your life. Would you are?”

You what's wrong with you? Starbucks again Going in getting some bullshit Amazon no to keep us the other page

No, I don't know I don't care. Okay. I was like what nail spa. Let me see

Dude, that's rough. It's it. Oh my god. No, that's bad times. Why yeah cuz those are like glow ons They're not it they're real Oh no, you got scammed. Oh my gosh. I'm can't tell my lady. That's cuz you got the wrong minorities See we got the Asians here. They do it great. You went to the small hands nap flicks Amazon Amazon kick off ink. Thank you to you. Huh? Thanks to you. Oh, let's kick off. Okay

Use your code and everything. Well, that's good apple bill And it works It does Eever Southside news

What is the paper you better know what it is? Yeah, I don't know what that is

Southside news what dump Rod What is it? I don't know. Oh my goodness. What is wrong with you? You literally probably have a subscription to it

“Every single month it for nine bucks is it and then from New York?”

I don't know what I know. What is wrong with you? I would I know that I don't know Uber yeah, sounds like someone so yeah, oh, yes, yes, why do you go to New York you're trying to go to afghanistan or something? I can't turkey one of those yeah. I have to go to New York for post stop follow up doctor's appointment to observe Yes, okay It's part of the process and you have this a follow up post up dude

You're telling me many apples doesn't do trans surgeries out of all cities. They do but it's been the apples They do but not Where I went. I went to New York. Well, I know get the best of the best Shut up and why you how much does that cost? Yes, that's yeah How much does that cost me?

But then you have the travel and food look what you're doing when you're there. Yeah, yeah I have no idea 15 to Amazon hop and Murphy's Did I cue you pay for that? I cue you pay for that? I cue who the pays for bet? I cue

This is a guy and I was seeing that was helping me add it my videos when I was doing YouTube You were seeing him for his skills. No, no, no, that was just on the side Let me see what this man looked like. I need to see what someone looks like that sticks it in I don't have it. You know you don't know who he is. I blocked him. I can pull him up But I don't remember like you don't know his name you do not know the name of your ex

I do good give it to me But I don't know his like Instagram. It should just be his name. No, no, it's not no. No, no His name is not his name. Not on Instagram. Search his name. See if it exists Search it I know you can type people with glue ons. Oh my gosh, that's so so offended, but

“You should be offended and I got so much for it”

Yeah, I mean it is expensive. So you didn't pick Brandon over me? Oh, yeah, sorry. Damn. I'm getting cooked. I can't get it cooked these days. I can't buy that Getting cooked. I mean you are a talkative Not especially oh god. Thank you for having the beard back when you shave that was an accident that was it It was terrible. It was terrible. We're delayed by a month. It was an accident

I trimmed wrong and then at that point I had to commit. I mean he didn't have to. No, I had to. Was it that bound? Yes, where's ten being a baby face? Well, the baby face only exists for a couple days

Okay, I don't know more pop mark apple bill apple bill pop mark Dollar tree now. It is good is dollar wise you spend money there. Oh my god What I can't I can't remember what that was for I don't want to see to remember anything

“That's why no longer asking questions. Okay. Amazon apple bill total wine and more. Is that why you're off stuff?”

No, I promise best buy best buy. That's for Thanksgiving. Yeah, that's for Thanksgiving. Best photos for Thanksgiving. No, no, no, you bought $2,000. Wine. Okay, what about the $2,000 for best wine? That was a TV. Oh my goodness. Yeah, you can't afford that apple bill pull up your phone There's no one photos folder. I'm gonna further avoid the news to the apple card to I'm going to snoop around on your phone. Oh, tell your photos. Sorry. Sorry free

Bit of mean that in the trans way. Don't cancel me. Yeah

I've had much worse. No, I mean, I don't care what people do. I really don't people. Okay, here it is. I've never seen more

subscriptions on someone's phone than this. Really really Airbrush. Catfish and everyone for $35 a month. What is wrong with you? I'm on. Okay. Okay. You got annual but still. Catfish and everyone. So maybe social media. Yeah. Catfish. Apple TV. It's one of the better ones. You still can't probably afford it.

“And then you got face app. More catfish. And you have to double catfish. Yeah. That's wrong with you.”

That's one of the reasons for cheating. By the trend. What the fates do you know if it's like in my life? I don't pay for it. Do I? Now on my phone, Elise. You pay for that annual too. You got grock. I know. Sorry. I don't mean to. Totally. Yep. We're awake. You pay for X. I'm paramount plus out of all. Come on. Paramount plus sucks. Why? Yeah. And then you do have harem relief the best membership on YouTube.

Number one for a reason because we got three premium and incredible high quality shows posted every single day.

Monday, Tuesday, Wednesday, Thursday, Thursday, Friday, Saturday, including the post show for this episode. You're like, all right. Oh, love it. It's so good. We produced. It's. It's a podcast. It's a podcast out here. It is the absolute best. Yes. You're gagged, but I promise you will not be getting gagged. We'll hear it with anything. I assume he doesn't want to. I think he gave a thumbs up for nice it is. And then he got premium. Okay.

Oh my goodness. Look at you. You got 15 snaps to reply. How many people are you sliding in? Did you got people every second of your look at this? What are you doing? I'm popular. Okay. It's not there. What were you? What are you looking at? There. Well, no. That's not done. What are you looking at? Wait, where are you meeting people? Bumble. No. Yeah. No. You don't have anything download and not even grinder.

Where do you mean people? In person. Where? At protests? Oh, God. No. I thought you knew me better by now. Where were you going to be protests and Instagram? Now that she said it, I know. Oh, yeah, this fatty's trying to get in you. Adrian, you're not going to land that nut. Sorry, guy. Okay. But in person, where? Just like how at bars and stuff. Okay. So there's seven things.

Oh, so they have to get drunk first. No, no, no. I prefer I said consent first.

I also. I know Minnesota and Wisconsin are drinking states. Okay. So you got in the cart. You have some eyewearin. Is that what that was? I was wondering what you were doing. Yeah. So it's your sleep mask and then ink cartridges. A very expensive desk. Oh, multiple desk. You're considering a lot of 49 inch. Like triple wide monitor. It's kind of crazy.

“That is, yeah. Yeah. You're not buying this shit unless that's what you're prioritizing,”

but we just can't do the rest. Okay. You just ordered some ink, some pens, some something's made delivered. They can't even figure that out. You tensile trays, gardening, knee pads. I'm sure you get on your knees a lot. Sharpie retractable permanent markers and other computer. You just got a computer desk. Literally a couple weeks ago. Yeah. That's what I love here. Why are you looking for another? Why do you need a desk for your living room and bedroom? Because one's for the gaming.

I hear you set up. No one's not. I hear you. I'll have to have sleep cover more. You get more pens than anyone I've ever been. It's for work. At the coffee shop, you just got a pop up from only, oh, what's the post in your reminder? Oh, yeah. Yeah. Yeah. You have to post it. It says 20 days.

formal one shot, sterile lubrication, something for what? What is it? That's what you have

“to, you have to inject that so that you cream. Not inject it. It's put you put it on the”

dilator and then good. So you don't get what? No, you do. But it's, but you have to put something in there. You have to get what? It's a surgical equipment. But you don't get what? Your body naturally. Yeah. Is it not? What's the, what's this for? But you need more. You need more lubrication for sure. It's because it's a medical instrument. So you don't get wet enough. Not for a medical device. Oh, why are you getting so many of these? Because you got a couple. I have to go through it.

For, for what? What is this? So once you get the surgery down there, you have to dilate. Yeah, bottom surgery. If the dilate, how often? Why is it that? For why? Forever? To, yeah, to keep,

no, not forever. No, no. For the first year. For the first year. For the first year. For what?

To keep the surgery from closing. It'll get, it'll close. For the first year. It'll close. Just vagina will close. The body treats it like an open wound for the first year. Do you have a clip? Yeah. And that was the tip. Whoa. Yeah. Whoa. That's crazy. Yeah. Your tip is not your clip. Yeah. Definitely not as much sensation as a clip. Probably, I mean. No, not even close. I can't speak to it. Well, just nerve endings is not even close. Right. Okay. So who

here is trying to slide in your DMs? Ryan, is he? No. Ali? No, he's just friends from work. If you

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plus three months for just $9.99. So you can finally take control and see what your money's been doing behind your back. Click the load to get started. Well, this is a lot of people to be like sending dick picks to you that you work with. I don't watch the W. Well, I'll see what the W said. So fine. Where you're filming. Oh my goodness. Dude, I'm telling you. Listen, if you want a high guy. It's a fucking position. He is really cute. Yeah, Colton would do so many bottoms. Wow.

Do so many bottoms. Okay. I understand. Which is. So are you sure you could be able to hold down a live stream? Because you're not able to have a conversation. I guess not. I thought I could. No. Sure. No. Really? Have you listened to yourself this conversation? Let's see. I, I, I, I don't know. I feel like I've normally been able to do it. Okay. So what did you finance for $9,000 with the finance charge of additional $9,222 dollars? Oh, is that the

start? Is it? You tell me, okay, what'd you do upstart? Oh, my God, yes. Why? What? When? How? Please try. Oh, God. That's back. Right before COVID. I believe. Daring COVID. Yeah. That's 21. No, 24. October 24. Oh, oh, year and a couple months ago. Gotcha. Yes. That one was to cover the other one that I had. Daring COVID. You said it only cost a

of the other one. Oh, what are the other one? The one that I had before. Oh, the other upstart loan? Yeah.

You took out a $9,000 upstart loan to pay off an upstart loan. Yeah. So you're giving them endless interest forever. Well, yeah. You're paying for the right eye or company. They're entire headquarters. Just funded by you. Just me. Yes. It was to pay off LASIC and the credit card that I have before.

“Why do you have to do LASIC? Because I don't want our glasses. You don't want exactly”

ones. You don't have to do that. What's more important? It's like but she's an LASIC. Okay. LASIC was very important. What you're telling me that's not a valid question in this conversation. That's true. Yeah, it's true. I wanted to not have to wear glasses because I can't

do contacts. Oh, that's what you did LASIC who would have thought. With this. Yeah. That's why

it was important. Shut the fuck up. I don't know what the balance on this now is. Because that interest is going to be a crewing throughout. I don't know. I don't know. I don't know. I don't have to go on anywhere. No doubt it. Probably not. Plus, a pre-paid finance charge to that principle became 10. I'll market it nine. I highly doubted that low yet. But it's a monthly payment of three out four. Yeah. Three out four out four. Yeah. Yeah. That's going to stack. What was your

original upstart for? In 2021, I'm being told. In 2021, I think it was like 12,000. Oh, my

“goodness. Well, it was a four. Oh, why did you take it out? That's what it was for. The LASIC”

thing. Yeah. Yeah. The Deb or not, Deb occurred. That time. Yes. That's it. It's spreading. Hopefully it doesn't go over there. You're wearing old women perfume. Oh, no. I've so offended by that. Oh, my goodness. Oh, do your parents support your lifestyle? Yeah. No, okay. That's good. It is. What are you doing? 40,000 dollars. It's insanity. That is crazy. What the f-. There has to be one of the largest parent loans we've ever had, right? That's crazy. 40,000 for what? They

helped pay my first, my breast augmentation. No, no, no. Then you lied at the beginning of the

conversation. You literally told me the surgeries ought to pocket for you have only cost a few thousand dollars. Yes, for the ones that I currently have right now. But the ones before. You had previous boobs. Yes. What? And so you owe them 40,000 hours for boobs that don't even exist. Okay. The 40,000 was all for that. That rather part of student loans as well. So they paid off my student loans and then that's fine. Oh, my goodness. You went to school

for what? Ah, good question. Music started vocal performance like opera realized that I've had my way was both actual training that happened at a university. Yeah, from a while ago, oh my god. You totally not give me, oh my god. You just see my Instagram where it's actually like, I'm ready to sing. No. Well, okay, whatever. Vocal performance. And then after that, I went to live

“audio, like working on the stages and stuff and then behind the scenes. Are you making a story?”

Yeah. Yeah. This is before our transition. When did you transition? After 2019. Okay. So you were on stage. We'll back back audio background. Yeah. Okay. Good. Then. So I went all around the music department at school. I had every single thing you could do. And did you graduate? I did graduate. Oh, and why? I mean it's education. It wasn't music education. Yeah. With the elementary school. Yeah. Oh, high school for a year.

Before our transition. But choir. choir. Ah. Because you were a band. The least interesting of. Oh, no. I loved choir. Well, yeah, you're gay. Yeah. For you like the band. Which is why I thought I was buying. I don't know. Because of band. I like vagina. Regular ones. You don't know that. I don't know. I haven't experienced it. I haven't experimented in my girlfriend doesn't have one. So I guess I won't. Sure. She just has the normal. Yeah.

The giant of classic we call them. No, it's just vagina. Not a neo vagina. But giant of classic. Natural. No. No monthly injections for that one. monthly. It's weekly. Oh, yeah. The buyer talked to someone. Okay. Okay. So the parents. Now this was years ago then. When did they do this? When did they? Give you the 40,000 hours. You personally. No, no, no, no. That wasn't years ago.

When was it then? Just recently. When was it? Please. Pogas. Is there like a minimum monthly payment? There will be. Yeah. What was that agreed on?

Then how can you say it's going to start quickly? Because I told them I want to pay off my

upstart loan first. So I can put that money. And they agree. Yep. But you're not

rapidly paying off your upstart. In fact, a lot of your money has to go to the Apple card. Because you spend an endless amount of money up bullshit on your Apple card, duh. That's when all she used to fish card, debit card that builds card up. Yeah. And whenever you decide to get a better paying job, which I mean, you actually do. Okay. I'm just pretty good. I just got promoted. Well, yes, except you thought you made a thousand five hundred dollars last, doesn't matter.

I'll get you an accounting certification so you can actually look at your ship through course careers. Think. Okay. Good ship. It's good ship. It is. Well, also put you through our master money program. I know you signed up for one of the classes, but you get all the classes with it. No, I signed up with

all that. The master money. Yeah. Good. All will make sure the rest of it is for free. And then

right now. Thank you. Right after that is when I got to make sure active in the community. A lot of people holding each other accountable. So make sure you do that. Listen, okay. So I don't even know to put for a minimum of the payment there. You got kick off. Okay. We talked about that. That's fine, though. You just do that as a normal thing. Well, that's all your debt. Just those three debts. Apple upstart. And parents. Nothing else? No. What's your car situation? I paid it off.

“You paid it off. Yes. No. Where the fuck are you with all this extra shit if you pay off a car?”

Well, wait. If you were good enough to pay off a car wife, I thought this other debt. Oh my god. Part of the upstart was paying off the original upstart that paid off the car. Okay. Check in account. Oh my goodness. What is this? What is this? Apple thing. What? What the provisional credit provisional credit? What is this? I got hacked. What? I got hacked. So I had to cancel everything. Oh my goodness. It was like it was like a whole, oh my

goodness. They took so much money. I'm glad you got that reversed, right from the house with it? Yep. Okay. Good. We got it now, but it just doesn't look great on that. Oh my goodness. And then Apple purchased Apple purchased. This is crazy. It was from that. I'm still right? Yeah. Yeah. All throughout. And something to the MetaPave. 1,400 and anything. And that was MetaPave. Exactly. That was the main. That was the thing that

typed me off that I was getting hacked. That's crazy. Okay. You went inside. Got some bullshit. Calvers again. Netflix, Domino's Starbix, Starbix, Starbix, stop with that dude. Amazon, KFC, Amazon. One month member something. Starbix, Corbin's KFC, Fortnite. Yeah. We're really living it up. COVID, aren't you? Yeah. I thought I canceled that a while ago. No. No. Haven't done it. No. Apple bill, Apple bill, Starbix, going in and getting some

energy drinks, there's some bullshit. Starbix again. That's all. Apple bill, Starbix, Apple bill, MetaPave, MetaPave, Starbix, Starbix, Starbix. What are you doing on me? None of them? Okay. No. Well, those were a dollar each. I know. I don't know. Your Starbix were multi-dollar. Yes. Apple bill, and other MetaPave. Oh, there it is. That's that one. An Apple bill. Then when I'm money, then we're not money, and they're not money.

“Crazy. That's why we're making it. Five thousand in the savings. That's actually pretty good. But”

I mean. You have to instead of the, well, okay. Unless you're a fidelity. You pulled from your former case of what was a fidelity? What was in your former case? Because now you only have 1,700 for retirement. Right. Which at 32 is horrendous and disgusting and horribly behind in your f***. Yeah. I know. So how much? Yeah. How much did you pull out? 23. Oh, I got it. But it wasn't through fidelity. Okay. And then, oh, you're just also just blew

2,500 in your checking account for what? For the team. Oh, for moving. No, for moving. Oh, the moving on top. Oh, what did you do? Why is it cost so much money for people to move?

It's so much with that sense. No. I have never, I have never spent even remotely that much money.

I had to do that. And I have money. I had to move from. And I moved endlessly. Fargo, North Dakota. Oh, forgo. Oh, forgo. I moved from Kamosu, Michigan to Austin, we're like a couple hundred bucks. What the f*** is wrong? What did you bring? I sold everything a pack up my sedan. Why did you have to, yeah, I would have been cheaper to just get some

“you should a marketplace. Yeah. I didn't saw anything. Yeah. No shit. My last time. What the f***?”

How could you afford that in your checking account, dude? Worked a lot over time for that. Did you, because you're, because you're not in. Okay, because you're salary now. Yeah. Yeah. That's why I moved, because I got promoted. That's why

Oh, gosh. Oh, gosh. 2020. Three. Okay. That wasn't that one. How did you have to think about it?

That heart. Okay. So why do you leave? I mean, you said you were forced to leave. Yeah. I left because I don't want to be monitored. Like if I wasn't able to do my job as a teacher and like have that be enough. But maybe you would have blown over the controversy. No, because I was literally called down to the principal's office. They told you to stop. Yeah, to stop posting, lose your teacher. You know what I'm going to do for the teacher.

Yeah, but stop posting it if that's the rules. Really? Why was that? Why is you posting titties online more important? Because that was something that I was making money off as well.

“Huh? Making your what? I was making money off that as well. Oh, come on. Was it comparable?”

It was that money today. Yeah. Good question. Uh-huh. Spent it. So did you quit at the end of school year? Yeah. Thank goodness. I wouldn't leave in the middle. Well, I don't know with you. I don't know. So another reason that I left Fargo office because of the roommate situation that I was at. No, which was my situation. What was that? It was what any anti-trans? No, it was a trans person. Okay. So you guys were transit and

up touching fake clips. Oh, God. Oh, no, no, no, no. You're the one with one. I don't know. I'm not satisfied. I was the one. Um, my roommate was an older person that transitioned older. Like, is this are we ages? No, but I'm just telling you the situation. I put them to a training boot camp, essentially. What? Oh, yeah. Training boot camp. Uh, okay. Because nobody was there. Also, sure the parents of the school loves that you have a camp. Well, but that was afterwards. I'm kidding.

Come on, Tom, I asked Tom. Long story short, they ended up falling in love with me. Okay, well, tell them no. I did. Okay, there you go.

What? How old are they? How old are you? 63. How old are you?

32. What are you doing?

We made some of them weirdo.

I was to help them. I needed a roommate. And they needed a roommate as well. What am I supposed to do? I was.

Okay, so what happened then?

“That you had to do emergency spend two thousand five hundred a move.”

Well, that. What happened? What happened? What happened? They were very protective.

Overprotective of me, weirdly. Like then. And jealous of guys that I would hang out with. They were guys. What?

That you would. Oh, yes, hang out with. Yes. That's your question. Just you, you're not smart.

And to the point where like they got. Very, very violent. And. And what way to who? To me.

So they're protecting you. So they hit you? No. To like the guys. The.

It was then. Yeah, essentially. But the guy. You would fight the straight man.

“No, they wouldn't actually fight the straight man.”

What do you say? You say they got violent. Yes. They. They did get violent.

They did get violent. They had a gun. So that made me very uncomfortable. Did you choose someone? No.

Where's the violence? They had one. They like bright. They like trying to. Well, they threatened to show you.

Not me. The guys. Did he threaten the guys? Yes. He threatened them.

Yes. I will show you. I will kill you. Okay. There it is.

That is bad. That is bad. Yeah. So I was on the. I understand wanting to move from that.

Well, it just. I didn't want to be with someone that was like in love with me in that weird way. Oh, yeah. That's weird. But also if you sit your boundary and they're like chill with it.

It should be okay. No, they're not. They're not with it. There was no boundaries. Uh-huh.

That was the problem. Yes. I agree. Got no. Okay.

Did you see it? No. You never saw it. No.

He was in love with you and he never tried to manipulate that.

Okay, that's good. Well, he tried. But he didn't like. They did. Okay.

But I was like. Good. Yeah. Put your draw your line. That's good.

Always draw a line. We like that. You can advocate for yourself. So I need to get out of these days. Yeah.

I need to get out of that situation. Plus. Getting. Well, you got to call the cops on him. Almost.

Almost. Almost. Like, okay, this needs to change. All right. Let's make you a budget.

I mean, what's, what's your rent?

1650. 1650. 1650. 1650.

“You said internet gas, electric utilities are all included in that.”

Yep. English. Okay. Well, I wasn't, okay. Fine.

Five dollars for the apple card. And three hundred four dollars. And four cents for the upstart. No money with the payments to the parents yet. So that makes your debt to minimum monthly payments.

Three hundred twenty nine dollars in four cents. Okay. Room room drive drive gasoline. To run over the protesters. Twenty bucks a month.

You live right next to the coffee shop. Literally. Yep. Okay. And it's a Prius.

I'm not going to say the word. I'm not going to call you on. Car insurance. How much? 75.

What? That's incredible. Yep. Phone bill. 110.

Oh, there it is. You own your phone. I mean, it's. I have the. You own on your file.

Okay, program. Okay.

I would do healing many ways.

It's like 15 bucks a month. And team mobile has to begin. Can that work? Yeah. It went in.

Apple. Well, you don't just have to get off that program. Oh, that's the problem.

“Why is your undernose what this entire conversation?”

Does it just drain with all the things you've done? Yeah, sure. Does it? No. I think it's to make up.

I think it happens sometime with makeup. Okay. Well, you're not sniffing. No. No.

No. groceries. 300 bucks a month. Use the meal plan. And the cookbook.

And all that good stuff. That's a master money. That I have. That's exactly the difference. Anything else you need to survive?

I'm going to make you 175 instead of 100 because you need extra things. Thank you. You don't need tampons though. No. Which is nice.

Nope. I don't even need to perform it if we have that. Okay. That's the thing. Oh, yeah.

That's the thing. Okay. Medical healthcare. Copays on a month of basis. Come on.

I know you got. Come on. You don't have medication to take. Yeah, but it's not a monthly thing. You don't have copays.

That's every three months. How much for that? $75. Okay. I'll put like 30 bucks.

25 bucks. You have a gym? Nope. Okay. Subscriptions.

I'll put in 50. You have any pets? Nope. That's good. You're not planning on it, are you?

I know. That's good.

“Anything else I need to put in this budget?”

You play. It's pretty lean, which is great. Honestly. I don't know how you're. But what?

I mean, spending habits is what's. Yeah. Yeah. That's what I'm saying. And the fact that I overspend by that much.

I'm so gagged. No. It's not happening. Okay. Needed to survive in a monthly basis.

$2,734. And four cents. You make five. You shouldn't have to take up money from your parents. You have an extra $2,200 on a monthly basis.

Give it $200 for fun. You have $2,000 on a monthly basis. Apple's paid off in a month. Don't use it again. You can use the fish card.

Uh, what is wrong with you? Okay. Upstart is paid off in about four. Four months? Yeah.

Dude. Because you actually have money. Even with spending $400 on fun. And with your $2,350. You have left on a monthly basis at that point.

$3,300 at that point takes a year and a quarter to pay off your parents. This is all done in a year and three quarters. Two years max. Then you get a fully funded emergency fund. And then you start contributing to retirement.

Again, maybe 50, 25, 25, 50% on living. 25% for fun. 25% for investing. And you have a great life. Okay.

We have a lot of crazy things to talk about in the post show. And a lot of crazy things are going to happen in the post show. You can already tell branding. Get ready. Get the hands ready for squeeze.

Oh my God. Joy to hammerly.

I'm going to get the hammer financial score done first.

And then make sure you click that joint button for hammer elite. Best membership on YouTube. Number one. Three shows a day. Six days a week.

Spending your budget. You over spend zero or ten debt. So the worst with the parent loan kind of sucks. But also two out of ten. Parent loan brings it down.

Emergency fund. And the upstart is pretty brutal as well. Emergency fund. There's about a three out of ten retirement. Not good.

One out of ten real says you're out of ten. You shouldn't have said you were a zero with that little bit of savings. Yeah. That doesn't really make sense. And we're going to just score one point five out of ten.

Get you to kill hammer.com. Join us for an extra 20 minutes in the hammer or in the financial lot of post show. See you there. You got to call your parents. It is time to own up.

You got to own the f*** up for your mistakes. Call them now. When were we planning on starting that repayment?

I don't know. Maybe dad has too.

“I think I would be able to pay it back in.”

Hey guys.

Don't forget about free cash.

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