What The F*ck Is This? | Financial Audit

I want to be a Disney adult. - You're Disney adult? - Kind of, yes. Oh!

I won't need to get a second job. Okay.

“I can make it worse. I haven't only (bleep)”

- I could have-- - No, you (bleep) don't. I may have free (bleep) a lot to (bleep) and a human (bleep) so it's both. There it is, ladies and gentlemen.

I'm a little slut. I'll admit it. No wonder he left you. Something big is coming, something that's going to change. Personal finance forever. And the first 500-metallers get to lead the church

go to dominoise.com to change the future. Hi, I'm Maxi. I'm 29. I'm from Grand Rapids, Michigan. And this is Financial Audit. It sure is a fellow Michiganer coming on down

to the much better place of Austin, Texas. Nice to have ya. What do you do up in Grand Rapids for Libyan? Halfway, decent town, by the way. If you have to live in Michigan,

you don't have to just do that. I'm new to the area, but I'm loving it so far, actually. Um, that will go away quickly. What do you do?

What do you do with snow is killing me?

What do you do for a living there? I'm a General Manager for Quick Service Restaurants. Okay. Now, Grand Rapids, not one of the higher places to live in the United States for sure. So, in terms of cost to live in,

General Manager for Restaurant. Might actually make a halfway decent living there. Let's, is it a chain big chain? Some, I, um. No, shit.

Okay. Well, can you say it? Yeah, yeah, yeah, yeah. I work for a company called Plyables of Michigan. We're, we're, we're Plyables of Restaurant. Yeah, so, uh, Plyables.

Yes. Like, I'm going to go eat it Plyables. Yeah. We're an Aussie bull. Okay, so it is not a big chain, is it?

Or else, that, that's, that come when I left. Because I guess it's been, I don't know. It's, so, well, okay. My store opened up in November.

That's why I moved over there.

What do you make? I'm 60, 80, you're now. Okay, 50, 80 year.

“Listen, rain, grand rapism, you should be doing at least halfway decent.”

Yeah. I got you live in an up going full rich, no, but 50,000 bucks a year. You're living halfway decent, pretty, probably pretty close to the median household to income in that area. I'm going to assume it's closer to like 70s to 80.

So, almost 60 alone, not too bad. What hits your account per paycheck cycle? Um, it hits right around. No, what is that paycheck cycle? Well, it's, um, every two weeks, by, by weekly, so, every, every other Friday.

Okay. What hits? Uh, right around 1800. He said this is new. Yeah, um, well, I just got the raise, so, um, I got a three.

Well, how long have you been doing this? You said you moved over to this job. That's new. Uh, well, I got a raise coming out here. Oh, out there.

Well, not in grand rapism. By the way, where did you come from? Um, Detroit area. Oh, okay. So, so similar.

Okay. So, 3,000 sick in a month, right? That's what hurts our account? Here I am. How you doing?

Good. I feel like it's good, y'all. I just, I probably still put my spending in bed. I mean, you're not financial. I don't know.

But, yeah. Yeah. And actually, in the real world, I feel like I'm paycheck to paycheck, even though I probably shouldn't be in a, in a reality sense. Well, I think you'd be, probably because I have needs that I feel like are needs, but

they aren't needs, maybe? Or maybe I'm just too givey and not sure. Too givey. Who would you be giving? People in my life, that matter?

Okay. That matter. I mean, a lot of people matter, but if you're giving more than when you can't even take care of yourself, that doesn't really make sense, and you're not really bed and fitting them long term. Anyway, because you won't be able to give long term, because you'll completely destroy

your fight-age life. You can't give. Okay. Okay. So, what's going on?

What are we talking about? I don't want to own real estate club. I want to be a Disney adult, and I want to own a Disney vacation. It's Disney and Grand Rapids you've done. Oh, that.

I know that. So, I want to just have either apartment or condo in wherever I live, like, I'm not picking where I live. If you're interested. Kind of, yes.

Kind of, yes.

“Well, it sounds like if you want to buy a place in Disney, I think hyper.”

Yeah. I want to be my 30th birthday gift, actually. I want it to be this year is I want to. What's 30? Where is that?

April? Oh, for f*** sake. There's no, I mean, that's not a f***ing chance. Why did you prepare for that then if that was your big 30-year-old dream? Interesting dream, by the way.

But if that was your big 30-year-old dream, what the f***ing would you do in a 20-year-old number? It's going to be your 30-year-old dream. It's going to be my old 30-year-old dream. It's going to be my old 30-year-old dream.

It's going to be my old 30-year-old dream. It's going to be my old 30-year-old dream. It's going to be my old 30-year-old dream. It's going to be my old 30-year-old dream. It's going to be my old 30-year-old dream.

It's going to be my old 30-year-old dream. I ain't cheap, I ain't buy you. Wow, that's weird. No way, you guys don't get freaky. No.

What you live with your accent, he doesn't stick it in and you don't request it to be stuck

No.

What happened once since breakup?

What? What have you guys been broken up? No way. We broke up a little bit after Christmas. Oh, that's been a long time.

The second time. We broke up a little bit before and then I moved back. It's been like two weeks then. Yeah. We'll happen.

No. I have zero attraction toward that man for so many reasons. Oh, well, it sounds like a great person to live with then if there's so many reasons. That's then we're figuring it out. Figuring it out.

Your exes. What are you figuring out? To not be exes? No, figuring out that I need to leave now. That's why we broke off.

After two weeks, I'm living with this guy. No, we've been, we've lived together for a year and a half now. You said Christmas. We broke up at Christmas. Oh.

Okay. Well, yeah, I understand I'm moving out that quick then because that's been like literally

“two weeks since the point of filming this episode, like actually, I think two weeks today,”

right? Was that Christmas? I think. Tomorrow. Okay.

So, yes, well, I should just break up because now I have to find a whole new place where

he has to find a new place and then you don't have to take care of that full rent is that's chunky. What the f*** happened? Oh, I mean, you've only been dating a year and a half. You said?

So, we live together. We live together for a year and a half. How long are you dating? Three and a half years. Okay.

Well, that's fair. Fair point to move in. What the f*** happened. You know, we just... It's horrendous.

You're making a really sound like all these crazy things happened. In the end, it was more just like we just weren't peat where we weren't the right person for each other. What the f*** are you talking about that word? There's so many reasons.

Some of you are talking about right now, Caleb. Potio. Potio. Uh, it's gonna be one of those. Well, you know, a little bit good.

I do. Join him early. I appreciate them, man. And I do love you. But.

Excuse me? No. Talking to him, he'll watch the show. He launches with me. Every song.

Um, but I don't want to trash him. He is a good man. He's just not the man for me. That is all. Well, that's fine.

“What are you going to do with the living situation, then?”

I know when you applied for the show a month ago, Colton said you were considering breaking up with them. It was a consideration, yes. And it looks like we followed through with that. So the plan for the show initially was to see how I, how I would be able to be able to live

if I did move out. And now I have to. So now we got figured out. Any moves for Grand Rapids a year and a half ago? We moved to Grand Rapids in November of this year.

For the job. For the job. I followed you. Yes. So I asked him not to anywhere else, considering breaking up with him.

And he just did. It was like I'm just going to. We were having fights. We were having problems, and we just still wanted to work it out. He was very determined.

I thought you told him not to. But you wanted to work it out. We were going to just only live separately and live.

Yeah, long distance after years of dating, not long distance while we have issues is always

going to be successful. It's going to be successful. It's going to be successful. Okay, well, I'm being told, though, even though you broke up, he doesn't consider you guys broken up.

He doesn't act like it. No. Like even when I left the other day to go somewhere, he tried to kiss me and I was like, no, like he tries. But I don't reciprocate in any way, and I make it clear to him.

Like I just happened in this house. Yeah.

“What are you doing about this living situation, lady?”

I'm just working a lot. So I'm not sure. No. Well, maybe. But that's not a long-term solution.

What the fuck do you know? I know. That's why. So what the fuck is what was in your head? What's better in your head?

It's been two weeks of breaking up. You haven't thought of one plan? No, I have things to think of. I'm looking. Look, man.

I want to find a different place to live. There it is. By when, by how, how long. We have discussed that we're willing to live out the rest of the least, which is to October.

Oh, he is living with you like you guys are dating. Kind of, yeah. But I don't want to do that. I do not. I would like to find my own place and be able to be on my own again.

Your own place on your own. But when you had the better notes call with Colton, the other day been preparation for the show. You're at another man's place, another penis's place. Yeah.

Just hang it out. No. Uh-huh. Just hang it out. Boo.

Boo. Boo. Just a sex. Boo. Boo.

Boo. I'm a little slut. I'll admit it. Okay. Oh.

Uh-oh. Um, yikes. I'll admit it. You got to be happy, Caleb, and sometimes having fun makes me happy. So I went and had fun.

It amally called Colton after getting raled. No. That happened the night before. We were just hanging out when Colton called me. Now to sex boyfriend who thinks you're current boyfriend that you live with and depend on

for rents. Feel about this. I hope we can. Yes. I'm saying, ex boyfriend who thinks he is your current boyfriend who you depend on for

What does he think about you getting cracked? He doesn't know. He knows now. Okay.

“And I will let's go in the household of which you depend on rent.”

It will go fine. What's cracking is happening since Christmas. That was the first one.

That was the first crack.

Hmm. Yeah. I'm too busy. Okay. Literally it happened the night before and then you called Colton the next day.

We'll still add his place. I don't think that's too busy. Most busy people don't have that kind of flexibility. I had a Sunday off. Okay.

Listen. No, no. Take some full support. We love it. We love slots.

Be a slot. Be a horror. Do what you got to do. We love it. Everyone has needs.

Huh? Safe slot. Well, okay. I didn't say you were getting AIDS. But I'm just saying you gotta be safe about it.

Okay. No one was advocating for opposite. I don't know what's the... Okay. Are you wearing a blanket?

Yeah. I'm cold.

I've never seen someone wear a blanket in this studio.

Is there a cork-a millennial? Your gen Z though. I don't even really pick as I'm much owes a gift and I just really appreciate the gift so I take it everywhere. Cork-a-a-gen Zs are becoming the cork-a millennials.

I don't even think they realize it, yeah. But it's happening. Okay.

“So you have to find your own place with your portion of rent.”

Right now. It is 700. You're not gonna find a 700 out of place. Not right. Half a dozen.

I'm just gonna be like a thousand at least. Meta-mom. I assume in 900. Well, listen. I bet you should be able to do that with 3600 out of some month.

But yeah, you're completely financially, which is why you're on the show. So I don't think that increase in rent is gonna go so well, because how are you barely, how are you surviving now if you're barely paying your rent most likely? And how the fuck are you getting to this Disney dream based on with all this? Well, that's what I'm here for, Caleb.

Yeah, by April, you're gonna have to, I think the crackening that happened a few days ago reached your brain. No, I just, I think that we will be able to make it happen because I, Caleb, I won't need to go second job. Okay.

I can make it work. I can make it happen with what I do, because I haven't only, okay? (crowd cheering) Make it happen. No, you, don't.

Yes. I have an niche only fan. What, is it rubbing your beard to the camera? No, no, no, don't. So, that's a nice.

What's the niche, I don't, you're right, I was just thinking of what could be nichey about what you have. No, I self, I self, I self, I'm a fake content. I self my toes. That's not a unique niche, that, that's a half the internet.

It's a niche because I self not just like, I literally, I was curious, for, first I looked up

Caleb Hammer nude the other day, didn't see anything, grateful for that question. Cool, I used to send a lot of Nudes back in the day. Oh, back in God. I'll pull on to him. Nice.

And I also wouldn't be ashamed if they're out there, whatever. I mean, I'll show it to you right now, but I did look up Caleb Hammer feet and I was on the feet website. They got me, they got me, they got me. That's foul, I know.

That's, this isn't like a crazy thing. No, but I may, a free feet, a lot of. Ten, any human feet, so it's both, I saw both human in it. What the fuck are we doing? Yeah, Caleb, I'm going to go on too far.

Maduro, become our president, we need to go full socialist. This capitalism no longer works and people are paying for this. Yeah, yeah. What are you even looking at? You better not be pulling it up.

I literally flipped this table. No, no. They asked me to text somebody and I was just checking to see if they did. They asked you to text someone? They did, called and then.

Okay, okay. Okay. I bet we're making a phone call then. I will be waiting for that at some point. Yeah.

Um, good, as long as it's not looking up. What the fuck is a furry feet?

“This isn't it just taking a picture of a fake foot?”

So, um, my ex is a furry artist. So he draws the first, a free artist. So he literally still collaborates with you on this. We have talked about that. Yes, I will still be paying him to do the art.

Yes. Well, he looks at you naked. No. So he, he draws it without having to see me because it's all like a furry.

So it's just Toby and so my toes don't look like I was as you then because it's my first owner. I'm a furry. But it's just drawing art without even looking at you. So how was it you?

He drew my first owner. So my first owner, my first owner. So he, he knows how she looks naturally. Sure. But it's not you.

Why the fuck are you taking a cut? Well, because it's going on my page and it's also my human feet. So the pages, human and furry feet. All right, which has the knee. We did tits the other day, May as well go the next level.

Tastes. Put it up on the table. Let's see it. Oh, no. No.

Wait, my toes. Wait, put it out, dude. No. No. No.

No. Okay, how's advocating for it for the sake of content, but I was hoping you would say no. No. Trust me.

You gave me the right answer.

I am not complaining. No, that, no. No. Don't worry. You don't have to convince me.

I'm not bored with you not showing up.

“I understand if he content is not for everybody, and I only applaud to the people who”

want to. But it's also your feet. It's like, I'll look at the market quality's feet. My feet. People want to see it.

People want to pay to see it. I want to look at the market quality piss on my feet. Do it. She could do whatever. She wants it.

She can do whatever she wants. Okay. Okay. You know what? I am going to show you.

I have seen you show too many times. I have seen one pair of boobs. You're toast. I got to cut off the inklet because this may act.

What do you have at the bottom of it?

Nothing. No, you got to leave. There's like a hardcore chaos happening. Yeah, it's a little bit more hard. I wear card.

I didn't say I have beautiful feet. I have a little bit of a hard work. I have a little bit of a hard work. I didn't say I have beautiful feet. I just have feet that people are willing to see.

Okay, what do you make it from this? I have 11 fans. And I make $5 a fan. And I started about. Why would say?

Bevel, I'm on the go, actually. Oh, Disney, here we come.

“How the hell does 11 people even find you those?”

Freaks, by the way. I'm on Instagram, Reddit and X. Yeah, it's the redditers. Oh, a hundred percent. Yeah.

It's the carditors. And I actually just made a Snapchat as well. Oh, look. Make what? Like I'm just so pictures on there.

Take a look. Yeah. Okay, no, whatever. No, we don't keep shooting. We don't keep shooting.

I mean, I do keep shooting. But we don't keep shooting. Except I do. But. Just love it.

Okay. Well, you're not making life change money off of that. What is that? Fifty-five bucks? No, right now, yeah.

Before they're cut for the platforms cut. I love it. I don't see how that gets us to. Okay, first of all. The person who's not living on your property with all the children, the poor.

Just throwing that out.

And second, how much does this need property cost?

So how people get to their goals? I don't care what it is, kind of. Sometimes. What? I said look it up.

I went and priced it all out because I knew you would need it. I did. I took the time. I did. And for the specific one, I'd want.

It would cost me either. Thirty-five thousand dollars to thirty-five thousand two hundred fifty dollars. Or. I want. For the vacation plan, that's the price of it.

Time sure. It's like a time-share kind of. But like not, Caleb. It's not. It's not.

It's just a time-share sort of known for being one of the actual halfway decent better ones. I will say that. But still the five thousand dollars is insane. We'll tell you what else it says.

“So for that, in which is with the specific points that I think I would need for my solo cell.”

Or I can get that price. Or it's four hundred and thirty-three dollars a month for 15 years with a 10% down payment. And then it's only. Why? What?

You work literally. A general manager at a chain restaurant is not a bad job. But it's also not like the job where you're going to be in Florida every five days. What the fuck? This is expensive.

This is insane. Then sanity expensive. Honestly. For what your position is. The point of the vacation plan is because my family, we go to Disney a lot.

My mom is. How do you have this time? What is your pay? My mom. Congratulations.

How do you have this time you dumb. What are you talking about? I take the time off. Well, there you go. How much time are you allowed to take off work?

As long as I have the coverage and I meet my certain amount of hours for a pay period. What is your certain amount of hours for your pay period? I make eight notes. 100. Sorry.

He just increased it from a hundred. I was a month. That's it. No. 100 hours every pay period so every two weeks.

So two hours. Say, how do you take vacations in that? That's insane. That's one of the 40 hours a week. Yeah.

I'm contractive 50 hours a week in store and then 10 outside for marketing. Crazy. How? In the world? Do you then have time for vacation?

I make the time. You just don't get paid? No, I do. So like. You what?

I like that. I had a week's vacation because we get one paid week off of year. So I saved my week off for that. It's not a good job. It's a newer company because he's franchise.

I work for franchisee. This is a new company. I understand he. At minimum finding the finance. A lot of team gets a month off a year.

We make our schedule so that we can take the same like me coming down here.

I was able to take two and a half days off. And still make my whole like I'm working six hours still this week. Okay. Even no being here. Okay.

I make it work. Okay. Reason.

“How much can you spend in Disney a year for this 35 thousand hours?”

Plus I'm going main and it's bullshit forever. I mean like a year the dues are like 1300. I'm going to die. And then actually and then you don't get Disney tickets with that day. No.

No. So how the fuck are you? What are you? Who is this? Is this him or her?

I just got your furry. Oh. Yeah. We're not going to say her name. But yes.

She's amazing. Yeah. No plugs. Which I'm also plugging in. What is this?

What is this gentleman? Love her. If that just made you come. Please let me know in the comments. So I can shame you.

I'm working on a full body art soon. It's. Okay. Sure. So how many weeks in Newspend Disney a year of which you would have to pay the travel

for about a four or a flight from Michigan if I'm not mistaken. Three to four. So that plus tickets plus food plus main. And it's fees with the fucker we've been talking about. This is insane for your type of position.

No offense to that type of position. It is not necessarily bad. But with one paid vacation a year. What the fuck are we doing? What the fuck are we doing?

“How much time can you actually spend down there a year?”

I don't want to actually go every single year. What the fuck? You're spending 35,000 dollars plus these endless main. And it's fees to not go every single year. The point stack up and move over to every.

Like the next year. So my plan is that I'll have this for every year. And I'll save up the. And I'll just go to Disney every other year. That's the point.

Yeah. I don't know. Without this dump. Stupid ass. Because the commission plan lets me travel to any of the

Disney vacation properties as long as they have availability in that resort. I want to go to pay for that individually. But I'd rather have a place to just. Do it. And like this.

This is like my retirement investment. Whether you're talking about investment or no other word. Investments means. You're talking about investment. This is an investment investment.

You're almost 30. Girl, you're acting like you're five. What are you doing? This is my retirement investment. This is what I want to look forward to to sit down and actually.

Like look forward to and my in my life. Like look to do and each time like this is. People take time to go do. Go out and travel all these places. I want to do like best the youtubers out there.

Papa got in his wife are big Disney adults. And I love them for that. That's great. I also, I mean, I like Disney. I watched Disney whatever.

And I would love to go again. They want to do some dumb shit like this. And they go like every year. Just go pay for the ticket. Pay for the travel and go instead of being locked in forever.

This subject matter can be hard to digest. But for most Americans. Their personal financial situation is the hardest subject to approach and manage. But with the dollar-wise budgeting app, you can finally take control. And since there's a free trial, you can see for yourself.

Get a full picture, automate your budget, get powerful insights,

and set real goals that change your life. Stop with the over-complicated budgeting apps like Y and A.B. That no one can figure out. No more being told what to do with Ramses every dollar. End up being sold a mortgage with rocket money.

And don't let private equity own you with monarch. Take the change you need with a budgeting app that was built for people like you. Buy people like you. Go to dollar-wise.app or click the link below to start your free trial. Starbucks is bullshit and a waste of money.

And you already know that by making your coffee at home and invest in 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. It literally tastes better. And we prove this accidentally via a blind taste test in our hammer elite show, Baton Fatter. The number one ranked energy drink is gross. Literally the cherry flavor is insane.

Listen, you can also get free samples to see if you like it. Or 10% off your order at gamer subs.gg or click that link in the description below. Type in code. Caleb.

I could sell it if I ever don't want it. But I am, I am a, I love Disney. My family loves Disney so much.

I truly see that I will always go.

Yeah, except you're saying you won't even go every year. I may not go every single year right now because I can't afford it. That is the point. At some point I may want to go every single year. So when you don't have enough money to go, how do you go?

Because there's no way you have enough money to go. Because this completes across the board. Full shed. In fact, the main told Mommy covers you a lot of the time and that you say you'll pay Mommy back.

Yes, I have a, I have a. So you lied. None of you. You said you don't just go, but you do just go your mother pays for it.

She will pay for how frequent is that every couple years.

But you owe her back. No. So why do I have a note when you do not have enough Mommy pays for it?

“And you have to pay her back on the credit card.”

So if we go on the trip and so like this last trip we went on. She has a credit card for me that I'm allowed to use on any purchases that I either need emergent, typically sort of emergencies when I'm at home. Actually, like, you know, anything emergency-wise I just desperately need in a moment. Which, you know, I love her for that.

And I pay her back immediately for. But why are you in that position? Because I'm fucked up my finances. How? Because I was stupid in my 20s and just wanted to do it.

You're almost 30. What do you mean stupid in your 20s? You mean right now. But then you shouldn't be struggling to pay for a utility payment right now. Well, not utility.

So she's something as general as that shouldn't be the concern right now from a little bit of mess around spending some money in your early 20s. What are you talking about? Yes. She has, okay.

She has the cards. She has one for all of us, all of her kids. I have two other siblings. She has one for all of us. Just for security so that we know she knows if we ever need anything.

It's there.

I don't use an unless I actually need it.

On the trip to Dizziness here, she told me that if I ran out of money and I was going to feel like I was going to have less of a fun time there. Oh, my goodness, she's the queen of enablement for her child daughter. To Jermus 30, you're literally acting like you're seven. What the f*** is this?

And it's disgusting that she enables us. This is crazy. What? No wonder he left you. I left him.

I know. I just can't believe it. Blows my mind. Just to see him. You know.

I met him. He is living under his mom's roof pain. 200. Yeah, you're both great. Okay.

You're both great. Um, the f*** talking about. Was it? I don't know. I don't know.

Oh, my mom's kids. I was a child. A better one. A better one. I am the better one.

Well, that means she's a complete failure of a mother. I love my mom and she's not like that. No, I'm sure you'll love her. And I'm sure she's a nice person in general. But it sounds like a failure of a mother.

If the literal woman child is the best one. Can we talk in about?

“I think just all of us kids have just made different decisions.”

Yeah. And being enabled by mom. No. I think it's a corner mom. No.

She is meetings all day long. Oh, convenient. She works really busy on Wednesdays. And she's going into her busy season for work. So she has to.

Hmm. She does. Hmm. Yeah, it's really day on off. She works well.

Great. What a day for you to come down. She's obviously completely enabling you and the whole kids. I mean, you, you say that like why he left me.

I mean, in realising. I love him. I know what I'm like. I'm like, what? He cheated on me.

Like, I didn't trust him. He was the end child. Like, he cheated. Oh, yeah. How'd you find out?

Oh, I found it through his phone. What did you do? He was sexually messaging another female online. Okay. Why do you say that?

Like an insult. Sexually messaging another female online. Hmm. Because I don't. I don't like it.

I don't like cheating. Okay. I don't like cheating either. Sexually messaging another female online. Okay.

I have to say it like that. Because he has told people that all he did was fart with somebody. Okay. What happened? No.

He was specifically sending sexual content. He sent cock. Cockies and ballsies? No. What other sexual content is there for?

We can't even discuss more in the post show. That's a wife in it. Say it. You fucking said to him. What are you saying?

I know. Sorry. I get it. Some people want to save some privacy stuff for the post show. So make sure you click that join button.

Join him or delete the best membership on YouTube. Number one.

“So why didn't you just at least just leave him earlier?”

Why did you wait until he moved or has the country for you? State. I'm sorry. Because when we were together when I found out he was cheating on me. I was 450 pounds.

I know. How fat are you now? I'm a weight of myself four. I left it's 165. All done.

Thank you. Well, hold on. How about how fat were you? 450. What?

What? What was that?

My first appointment that said that was April 2023.

Oh, good. That's crazy. Show me. Show me. I got we all have to see this.

So the picture up on screen. That's crazy. Listen, that is a little bit of encouragement. Oh, yeah, you're a fat. Yeah.

Oh, yeah. I can say that. My whole life. Oh, and I say it all the time. Look at this.

That's horrendous. In fact, I would say disgusting. Yeah, no, 100% I was disgusting. Because you know those stinky. No, 100% I was gross.

This was stinky. I will full admit. What? I was disgusting. I wouldn't have.

I was disgusting. I hated my life. There's nothing else in there. I just went to the full photo album.

Now that we know you're going in. I've got to be careful. Yeah. Yeah, yeah.

“I wouldn't guess in the 400's seeing that.”

But she's. That is crazy. Yeah, you walked up. You were hanging like 10 heads down here. Yeah.

I was really big. That shows that there is potential behavior change. You're able to implement. I don't understand what you haven't done every for your finances. If you have this big Disney dream.

I feel like not getting. I feel like getting extra income through, you know, pissing on your feet or whatever on camera isn't what's going to be what changes your life. I feel like implementing the same behavior changes that you did with your diet and whatnot. With your finances, similar.

I know it's not going to translate one to one. But implementing something similar is what gets you to your ego. Why haven't you done that? It's one step at a time with me. I can't do a lot of things.

Sure, but you're not on your fat. When have you not been fat? Um, I would say. Cause you didn't just all sort of like snap and you were there this month. No.

I mean, I. So I had the surgery in November 2023. Oh, you did. I did. I did.

That's a bariatric sleep. Yeah. Sure. Good. Yeah.

That's a. So OCO's epic. Yeah, kind of. OCO's epic. Pretty much.

Um, but yeah, I did change my lifestyle. But for me to handle doing two separate things like that at the same time.

Well, when does that first one end?

So the second one can start. No. We're going to start now. But you weren't just all of a sudden from fat to not fat. No.

But then I've been working a lot in which has been helped the weight loss. It's been great for me. I'm sure. And you work in a healthy place. It sounds like as well.

Amazing. Highly recommend. No. Yes. Oceagobos.

Ocey. Yeah. One of those. I don't need that shit. Very good for you.

Well, what the fucking is is an Oceyago? Ocey. It's a Brazilian berry. Ugh. It's really good.

Give me my freedom. I want. Blue berries. We have this. Oh, apples.

You're Brazilian berries. I have a. I read why in blue berries. Thank you very much. Thank you very much.

“So is your ex going to be able to pay his bills when you leave?”

He seems very dependent on you or you dependent on him. I don't know. What does he do? He's a warehouse simply for a, um, a track company. But he draws the, the furry content as well as he make money off of that.

He's trying to just got into. I've been trying to get him to do it for a long time. Like last, not this last year. So he's a furry. Yeah.

That he's going to get me into it. Oh, he got you into it. Great. Okay. Well, you're not making.

Call follow this extra stuff. So I don't wonder why you were putting our energy towards that way.

You could be more productive and just go get a second job or something.

Which I don't even, I don't even think you have the hours for. I'll be honest. But really, is that what you want to be known for? Proceed. Self online.

It's all on a separate for Shona and a separate life. I know, but it is still you. I don't care. It's my feet. I don't care.

What are you going to do something more productive for the time and make more money? Because you're not doing well. I'm also not very like pushed towards it. Yeah. But 55 bucks a month.

Like is that even worth it? No, right now. But I see that it through time through actual because it's newer. So, you know, it's not going to blow up instantly. I got to take the time to put in the marketing and the effort to be able to

make it to push it out there.

“So that's why I made the Reddit and the X and the Snapchat.”

So I can start pushing it more. Oh, I got a message today asking for you to stuff on a cake. Yes. They asked me to bake a cake for them. Like the TV making the cake in my hands.

So that's going to cost more than like half your monthly subscription. This is the bake a cake. I have cake stuff. How about bake all the time. So it wouldn't be anything on me.

Is that good for me? I do like a glucousy stuff. Or I'll take it to my work and my teenagers that work love it. Your teenagers? I manage a...

If kids? No. No. Just for children. But you just got cracked last week.

Yeah. Could have happened soon. But in Michigan you can get rid of it. So... Safety.

I don't care again. Uh, yeah. I will see how long you do that though. How many times do people hook up with each other and tell them that condom is no longer there?

Well, I don't like to go back to him. I don't like to go back to him. So why? Because you have an issue with every man.

Because it's always their fault?

No. I just didn't enjoy it. So I just want to go again. Yet you stay the night and the whole next day. Yeah.

He's a nice person. I just didn't enjoy what I went there for. Okay. Oh, wow. The ex hasn't even told his parents that they broke up.

I don't think so. So he keeps telling me he told his mom. But... You're hook up with three hours away. This is that crazy.

What the f... We're driving three hours to f... What are we doing? Yeah, I may have done that. Again, more productive with our time.

That's what I am saying. We could pay to get to your end goal here. Driving three hours to get some penis. I knew what? It wasn't my best decision.

What was it? Chicago? No. Northern, like by Trevor City. Oh my goodness.

You went almost to the youth pee. They up her peninsula. Yeah. Just for some. There's like five people up there.

Why can't you get in Grand Rapids?

You're right. Just in the moment he intrigued me. And he intrigued you enough to drive three hours. Listen, as a horror in someone that likes to come.

I've never driven more than 30 minutes to f...

As somebody who has been in the dating world is a bigger person. I've made people drive more than 30 minutes. As somebody who has been bigger in the dating world is a bigger person. You guys can flap it around in the wind? A little bit.

Okay. Yeah. I guess not everyone else. So I have a lot of anxiety when it comes to being like that.

“So how did so go in three hours with the potential you when he sees you?”

Is less anxious than being able to just turn around and drive five minutes back home? I think with him being so far if he says you and I go on. No, no, no, no. I think it's more like if he didn't enjoy it and I drove three hours. See attractive?

No. Why though? Did you get non-attractive guy? Because of what he said he would do to me. What did he say he did to you?

I have a kingly lifestyle. Tell me. I am a submissive. I like to be dominated and... You're welcome to every woman, like 98%.

But I have been in relationships where not. My ex is not like that. So I would... Ex is not a man, no. What?

What? Spider, I killed it. You can't do that to me. I absolutely can't. Spider was crawling down my mic.

Okay. Certainly picture of your ex. It's not going to be on screen. I just need to see what this creature looks like. That was with a 650 pound woman.

Hey. So what happens, right?

“Every time someone lose weight from gas to bypass, they always leave.”

You're the lever. And the unique king of a woman being submissive. Never heard of. Not even that. It's just being with somebody who isn't.

Yeah, dominant. Who would have thought? What the f**k? Can I swipe? Yeah, of course.

Because I want to see more of it. Oh, Jesus. This is just like a fucking nerdy little gamer guy. But he's like normal. He's not a bad looking dude.

No, he's a great guy. I don't get my wrong. In this year, there were over 10,000 electro-fahrzeuges for Amazon leverings in the whole Europa. For leverings, like football, for young kickers.

I don't know. 10,000 electro-fahrzeuges, and it will be more. Based on the plan, "Fahrzeugen" and "Sari Lieferpartner" in the EU and Großbritannian will end in 2026. Okay, show me the hookup.

How much are you investing in your OF, by the way? Because of that's your future. I mean, I'm being on your own ring, custom latex bullshit, and all this crap. I want to order these custom...

I don't want to check that kind of cost. Making $55 a month before the gig. Before the gig. I'm going to save up.

“I wouldn't do it until I'm ready to do it.”

That's him. Oh. Yeah, hello, yeah. He is what? 50% of men have looked like on financial audit.

He is what I call it. More along like that. More along like that. Trucker hat. Big beard.

That is ungupped. Yeah. Okay. Well, good for him. I guess he can some vagina.

Okay. Well, what do you think your financial score is? 0 to 10. 0 being horrendous. 10 being...

Incredible. I would say one. Okay. Sounds reasonable. If you watch your hammer financial score,

see where you stand in the world of money. It is free. Take the assessment. Just take a few minutes. Calebamber.com.

To see where you suck. What you need to do better. And where you're already doing pretty good. So see where you stack against the most Americans. And where your finances are.

Hey, if you don't want to be like a guess who ends up on the show. And you shouldn't be. Then download the dollar wise budget and app. New features being added every single month. In fact, at the time of this video coming out likely we had our massive,

really launch. And if not, it's about to come out. And like a week.

Guys, it's going to be incredible.

It's going to be the budget and app of the future. Just take the free trial. Otherwise, that I have for a link in the description below. And only through the end of March and then gone forever. If you sign up for the end of version, which most people do,

because you say 50%. I will sign my budget from the cookbook and mail it directly to you. Only available to the end of March get it now. And it's going away forever. Well, that's jumping to these numbers.

Hey. So what do you make last month? Probably it would have been a little short because I would have been before. My race. So probably like 235, maybe 34.

38. Did you work extra hours? Do you get paid if you work more? Oh, I've probably got tips. So we, um, if I work alone in the store and there's tips going through the system,

I make those tips. But if I work. People getting their Brazilian berries weren't doing that. Okay. And how much did you spend?

Mmm. Probably like 37. 3,700, 79 hours. Some 14 cents.

Basically everything you made.

Certainly more than you normally make on a monthly basis. But only a couple hundred bucks. A little more normal than most, you know, a little better than the average financial ought to guess what I should say. I don't look over at forks.

I thought it was going to be a lot more horrible though. And you do not get to your goal. You do not get to the ultimate Disney goal with that. And again, take away the off and you know, even make that.

Where's it all going?

“Um, expenses like rent and stuff like that.”

Um, my car payments pretty high.

Um, my personal loans are a little bit up there. And then probably, you know, I got, I got my, my sprate, my sprate. Have it that I, that doesn't die. Because you don't can have too much sugar caffeine. So sprates here as my love.

Well, she's pronounced by zero. A lot. Tell me. Okay. Dude, just make whatever like the lemon lime flavor is from Gamber subs.

Just make it at home. It's zero calories. It's a hydration drink. It's just as good. And it's 40 cents a serving.

You can get your free samples with code. So it's a flavor you like and then get the flavor that you want in bulk. 40 cents a serving. No more stopping and getting some bullshit. It's been hundreds on price zero.

I mean, there's minimum $500 on bullshit last month. Minimum $500. Yeah. Probably preparing for the Disney trip to or for our move. So it's probably just bullshit spending.

When was the Disney trip? The weekend is the Disney trip. Did it be Canadian December? So you just got back. Yeah, we just got back.

In the move, the move already happened. The move happened in November. So you're not preparing for the move.

“What the fuck are you talking about preparing for the move?”

Get a move. Your move was in November. This is the last month. This is December. What are you talking about?

I believe you have documents from October. That's true. It would be so far back. Why? I applied.

No, it's no November. You're done. Shut up. You don't even know what you're talking about. I just couldn't remember what I was saying.

Well, it's still matters. Again, you say you don't borrow from your mom. And then I call you off a barring from my mom. And I'm like, oh, I borrowed from my mom. So it's like, don't try to lead us straight.

It's like, oh, it's kind of underbed down. This was the month right before moving. Oh, wait. Oh, it is actually, once we moved. But they would still be because there's still moving.

I sense, because you just moved. So we moved in a sense. This is in bullshit. I called bullshit on. I'm moving expenses.

Bullshit could be moving expenses. Probably not going out to eat doubt. Yeah. I've moved across the state of Michigan. It ain't that big.

Pretty short move. Not crazy. No, it's only about three hours. Uh-huh. Wasn't bad.

Nope. So it's going off to the Dallas. And it's barely even an inch in the state. So that's nothing. So 500 hours in bullshit isn't just going from east to west of Michigan.

So have you looked at what you're rents about to be once we move out? If you can move out? I have looked at different places around the Eric's. I knew you'd still stay local due to my job. Oh, no, shit.

Well, okay. Listen, some people can know around. I can't. So it's probably going to range between like 900 to about 1200.

Well, again, in your income, that's not necessarily horrible. When we get all your debt together, how much debt do you have? Total with student loans, probably around like 40 to 50 thousand dollars. 50? 50?

With the car and everything else. And there's an crap ton of just individual that's leading up to the student loan. Student loan is only 14 of that 50. That's just horrendous, bad, disgusting, horrible debt. Yeah.

Yeah. Well, how are you going to move out in a photo place of your own? Are you going to come over? No, I would make sure that he's like, okay, like we would make sure he's okay by giving him extra money.

“No, I would talk to him and be like, hey, if you can't afford it, you need to move out.”

Or if you're going to cover that whole place, what is going to be 1400? 1400. Okay. Well, adding all this debt that you're not even making progress on. We'll spending more than you make.

I've already tried when I moved out the first time from my axe a year ago.

I'm going to have to figure it out. I'm going to have to really push my only... Start really. Oh, girl. Okay.

I'm glad you got a couple sign-up thing as in grown one more than like a couple hundred a month. Dollars. Be something out toward the debt won't it? Yes, but I would rather refocus your energy to something more productive that brings in more money. With my job, it's too demanding.

I can't. I've already tried when I moved out the first time from my axe a year ago. I worked for Domino's as a delivery driver, not at my store. Is that a year ago? Yes.

I moved out. Oh, you... February of 2015. Why do you keep it? What the f***?

What then? I got back because I thought we could work it out. I needed help. And financially, until I moved back in, I think we could work it out.

We tried. And then it just didn't work because I contrasted him. Want to know a dirty little secret? And no. I'm not starting an only f***.

You're not broke because you just suck with money. You just can't see where it's going. If your bank account is empty at the end of every month, that is not bad luck, that is bad tracking. And it's exactly why I used to otherwise.

It shows you exactly where your money is going every single month. Spending subscriptions and savings all in one simple dashboard. Everything you need and nothing you don't. And when you download dollars today, you'll get to try it for free,

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.

But what's not is actually getting a checking account that gives you free money. Free money will like free money.

“You can get up to $350 and bonus cash right now.”

When you sign up for the checking account that I use, time. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch financial audit and get free money at the same time. Who would have thought that's incredible.

Check it out, link in the description below. Sign up for time. Get that $350 right now in your checking account. Okay, so you got a second job. Why can't you get a second job?

Well, I did do the second job and it was draining. It was so much shit. Welcome to work in a shit ton. But you're taking care of the shit that you got yourself into. And I was having to leave that second job to go back to my first one.

Because I had to handle emergencies because I'm a general manager. Anything that happens in that store, I have to be there. Then is it the right job? Yes, because I love it. That's not the reason why it might be the right job.

And it's the most I've ever made to having a free. Yes, that is true. But you'll be able to roll this general manager experience into something. I'm improving my LinkedIn and my indeed even as we speak, even less now.

Well, how about your actual resume? So you can apply to places. But you can sell. We had someone general manager at Macy. Is there an assistant manager?

It looks like 70,000 dollars. Like, yeah, it's a smaller company. We're a franchiseee. We're growing. And I don't know.

And they're not entitled to you. Go make money with better vacation time. And pay off that better. It's something I can look into. I like the company.

Just in general right now. So I'm willing to take the credit. I'm glad you like the company.

It doesn't mean it's always the best.

I liked Jimmy Johns. I legitimately enjoyed being a delivery driver for Jimmy Johns. For what was it? Like four or five years. Doesn't mean I should obviously stay there.

It's not the best for me. Yeah. But there's also about happiness.

“There's points where you're like, you have to.”

And how happy are you not fulfilling your dream? How happy are you? You're not being able to pay the rent when you're on your own? How happy are you to have all this debt? $34,678 in bad debt, including an additional 14,154 hours.

So student loans of degree do not have. How happy are you with all that? I would suggest not. How happy are you when you try to go get a job to clean all this up? You have to get called in for the job that you are so happy about.

How happy are you working 50 to 60 hours a week? You can only have in one week off. Happy? You're happy. You don't know.

Happy. That's not necessarily a slate against you. I don't know. Sorry. Haven't seen the sunshine on the other side of the.

Can hell. Compared to the other jobs. Yes. I agree.

But we're always trying to move up.

We don't just stay stagnant now because we have found. The happiest so far. But I have to fix my resume to match. Yes. But that takes a half a day.

I understand. What a busy person. I have a busy person. pick shut up. You literally just stayed over at this nasty ass morbidly obese bearded northern Michigan freaks house for over a day three hours away six hours drive total staying overnight and calling

Colton from there and freak. He called me. All right, we had the call on Friday and then he had to call me on Sunday. I'm not answering that. Was it worth a three-hour drive? No, I told you know what the fuck are we doing? You know that I wouldn't know until you couldn't I don't I don't trade pictures like that. You ask how big I didn't want to. I'm more of an in-person thing I'm what I'm more of a three-hour drive. You didn't want to know if it was anything worth driving for I don't you don't need to see a picture now. He might lie. I don't lie. Good to know

Not telling you. I don't need to know. Okay. Listen. Oh, we have time time to drive for microdic bearded morbidly obese northern Michigan man and staying overnight. You have time to make a resume. I need to make time to get my needs. You know how you have time for your personal life having a job that doesn't demand 60 hours a week plus coming in for emergencies for only one week off a year by fixing your resume and getting a better job and then uh-oh, you have more personal time to take penis in your holes. There's so many

benefits to my job like I make my own schedule so I'm able to do this every week making your own schedule.

“Yeah, I hope so, but there's not much flexibility in the 60. So what the fuck you talk it about?”

I make it work. I make the time work. Great. Okay. Great. You are in delusion land. I'm glad it's the best you've ever had. I'm not saying this job is shit. It's a better job than a lot of people get, but you are in the world's a delusion thinking that you just can't, you're not

when you spend a little bit of time in a resume. It's always I will not. I have where I do.

I happen working on my resume. Oh, what is this? What is this? What is the CC bank loan? CC bank loan. Yeah, that you borrowed $2,400 for with the total payments of $4,231. What is this shit? That was my personal, and I took out to move the first time to move you to move from across the state.

I did this personally, over and over again. Before I went down to Texas, I'm much better. It wasn't for that.

“What move that? What move that? To leave my ex the first time. Why did that cost $4,000?”

Because I needed it down by me. It was an immediate move. I needed money. Hey, every single year my life except for the house. I mean, I basically moved out every single year. It was an instant move. Why didn't you cost that much? Why didn't you have an emergency fund?

Because I was dealing with a house issue at the time. Oh, always doing a shit. Yeah.

Well, no shit you were dealing with health issues. You were more likely a big issue. I used to have a mobile home, but ended up getting destroyed and we ended up having to go through the mobile homes. I know it was rough. Never again. It's all taken care of now. It's all off my heart. Being on the entrances thing and whatnot. Why did it cost as much money? Because I had to pay for the, like, the move in fees and stuff like that. And then I got

extra so that I could have like extra money for like expenses for like in case like I needed extra money for like bills and stuff for extra money. The interest rate is 159.57 percent. Yeah, I

didn't see that when I started. What's the balance on this? Got a couple more payments on it. Probably

like, I don't know, probably three or four hundred dollars maybe. Yeah, if it's a same, I asked you about the story, or also this swiff flashback. Actually, some rats and then often this is stimped. Oh, no, gar nicht. Because the story is so my safe space. Hmm, do you mean, that's all it's secure? Yeah, genau. Because the story is so deep story app that I just understand. Egalobstudium, job, or on the other hand. Grazz, feels like gar nicht wie steuernan. Steuern

el edict. Save. With visor steuern. Four more payments to nag. I'm going to say it's about 800. Let's be conservative. 800 to still pay, especially with interest, with minimum monthly payments, 211 hours and 58 cents, which is insanity. And then you immediately moved back in with the guy anyway, so I don't like what the took out a payday loan to move back in with him? Pretty much.

Yeah. And why do you move out the first time? Because he cheated on me and I didn't trust him.

So that was the cheat. This was the most recent break-up wasn't the cheat. So it's all together. So in his cheat was sending things that weren't private parts, but we're inappropriate of which I guess

“we learned in the post so great. Was it his household? No, what? And what the f*** is there?”

Oh my God. Is there a colton? Colton. It's a lot. Colton, you have body parts? What else is there? And this is something he didn't even know about. When I told him he didn't even know it was. Was it even cheating or are you just a crazy bitch? Hmm. I don't know. I've been cheating on a lot in my life. I don't know what cheating is. Yeah, but I don't know if you know what cheating is. If somebody gets a sexual arousal from the conversation in the videos and pictures that they get,

I see that issue. I can't get, but I thought you said he gave. Oh, he gave them too. What pictures of calm? No, just what else is there? Oh my God. Oh my God. Oh my God. Okay, it's me in the post. Oh, God. Okay. Yeah. That's nice. Listen. Did you guys have an established boundary that that was okay for him to do? No. Well, then he didn't even do it until I found out. I saw I was looking for music. You didn't even do it until you found out. Or like, I didn't. He didn't

tell me about it until I found out. That's okay. If you guys have the established boundary, you know what I need to tell you either if that's a part of it, but regardless. I need people have like pearl flirting boundaries. Many people, there's a lot of things. Yeah, no, I understand there's of my behavior, probably. Like all that kind of stuff flirting. I understand that. No, there. We were completely understanding that we were quite monogist and every single way. And

but he was still doing it. You're both subs. That's great. Yeah. So what the, this isn't saying. Have you ever missed the payment? No, it's all auto draft. I have everything set up on auto pay. But it's such a trip because you just got a raise switching to the store. This is a huge percent. This is a big money. It's huge. And it's every two weeks. That's every two weeks. Yeah, the two of those every six, like four or twenty two every month. Yeah, four, twenty three.

Round it up. Yeah. That's great. Yeah. Every paycheck it pulls it as soon as I get paid.

“It's gone. That is crazy. Extra credit. It's a personal loan again. What is this for?”

Total interest paid year to date $3,000. This is a huge balance. Yeah, that is safe. That is a consolidation personal one I did with my bank. How that work?

mechanics. Exactly. Every fucking fine. What's the point? Wait, that's your daily interest

truth. Because you're actually, oh, it's a, it's a 20% interest rate. Is that anything that better

“than credit cards, honestly? The minimum is the payment $155. So what happened here when was this?”

I got this $12,000 originally. Yeah, I originally got it back in 2022 to consolidate a bunch of credit cards. And an issue from from the housing thing, the rental company was having like a issue. So I just paid them out for them. It was like a lease thing. It was like a payout for a lease. So I just paid out that and then hey, that was all just all combined. I got it. My mom coastline on it with me. No. Yeah. Oh, my mom works for the bank for that. So she's really enabled

doing everywhere whatsoever because without fixing your behavior before doing this, she probably doesn't even know you probably just got all up again, which we know you did. So what are we doing? What I'm confused, because I'm being told you actually got this down to $7,000. I did. So what of it is certainly not $7,000. I'm the spoiler. It's three more. Yeah. So back in October when I found out, I was getting transferred over to the Griner Apped area for my work. I increased it to $10,000

to get my mom off of it as a co-signer and to give myself a little extra of money to help because it took three. Yeah. All for sick for that move to the bathroom move. This move was before

I have ever had a move other than into my house when I just had money now. I've never had a move

that has cost me one, just a few hundred bucks. I don't get it. That was the time I was to help subsidize income because my ex was switching jobs and that's his income. I understand, but as us being together and me being a person that doesn't like to see him struggle, I wanted to have the cable for the enable for the enable for the enable. Are you going to stop taking care of him? I doubt it. It's been two weeks. I doubt it. I think you can. I've stopped doing everything for him for two

weeks. No. I like it was before that I slowly stopped doing things. And what does he said or thought or done? He thinks you guys were still together. So I don't know why he still thinks that. We don't act that way. At least I don't act that way toward him. Yeah. But what does he think of you all of a sudden and not taking care of him and whatnot? He just does things on his own, like he did before. Just he hopes that the things that I was doing before, I might actually still do.

Well, I like the refinancing to get your mom off because you shouldn't have your mom on it,

“but to take an extra three is crazy. Yeah. No, I think. Sometimes how long?”

It was only to subsize for the rest of the year. So two months, November, December. Yeah, two months. And where to go? Went into different expenses like gas or things for the apartment. And you're not going to be able to survive on your own. What are we talking about? Especially if he moves out. What the fuck are we talking about? There's not a chance. You had to take out a personal one to try to make it. It's not a chance.

That was because of his income like it. I know. And if his income is zero because he's gone, then how this is not a little less food costs a little less electricity. Other than that, the rent is still high. You're right. But with all the costs that I spend on him in those times, I won't be spending on him anymore. What are you having to pay for? Food. I spend so much food. Yeah, but you get a budget. Okay. I don't know how you're going to be able to survive on your own.

I don't know. I don't know. Oh, he's pissed you're here. Oh, yeah. So I applied back in October. Originally, but so I could come in 25. Do you guys called me like that day? And so I was picking up. That was awesome. I loved it. And I ended up declining. I remembered I come such a part.

“And I went home and I was like, listen, I told them maybe, but I think we're going to email him”

and tell him I want to do it like right away. And he's like, why would you want to do that? He made it very like like, it was like a problem that I was doing. That's like it was such a bad thing. Like I was doing something illegal or something wrong. And so I was like, I'm not including him. But you don't even come with me. I'm doing this for myself. So I can get my better in a bear place for us as a couple. So I can one day hopefully, you know, pursue the future we want together. Because we wanted

kids together. We wanted to how we saw it. Like we wanted all that in October. Come on, let's go. Okay. And he, um, I lost my coach. Oh, sorry. He was pissed. Yeah, so he was pissed. And he's like, no, I just don't think he should go. And so I let it go. I was like, okay, I'll just reapply again. And then around Thanksgiving, I said, you don't know. This, I need out and I need something better. I need someone who actually appreciates what I do for them in a sense and, um, and gives

me what I need in a relationship. And what do you need? I need someone who will be ambitious. Like, I am, I am so I am hardworking. I am ambitious. And I am driven. Now that I'm not foreign if it depends, I have all this energy to do all this sort of things. And I can't get him to even plan

a date Caleb. I have planned every single one of our dates from the first one all the way to now.

date books to make it easy on to just scratch off and then you plan to date and I couldn't even get that.

Okay, so you owe money to your mom, 1500 for what? Right, I'm expenses from, I'm on the card. Huh? From what? From what? From either from the Disney trip or from, um, you know, uh... For what cards specifically, you've mentioned the card. What are we talking about the card?

Go into more detail. I have a discover card that my mom got, um, in her name and I'm a new hat, right? She has. She has it and I'm an authorize user. And I have a card in my own, permit.

That she allows me to use for any emergency expenses, anything I need, um,

that kind of stuff. And then she just tells me to send her the payments back through our credit for her. Because we have the same bank. So what are your payments, then? You know, 1500. What's your minimum amount of paper I can pay? Well, come on. You don't have a scheduled minimum of the payment with her?

“No. So I send, I sent her $100 every pay. That's what I agreed on.”

She'd, she'll either send it back to me when she knows I do not need to send, like, when she doesn't need it. Or like, not when she needs it. Well, and she thinks I need it. Or she'll just hold on to it. So it's like $100 every chance I can. I'm giving, I mean, I'm being told you thought it was good because you got an inheritance from a grandma. So what the f***?

Yes, I did get an inheritance from a grandma and my grandmother passed away in May.

Normal, and I'm sorry. And what did you get? And where the f*** is it? Because you're dead broke, broken. I got, um, just under nine grand from her. Okay, grandma, did I have a match? That's okay. Hey, dates spread through a bunch of all of us. She had a good amount. I just went, a lot of it went to her kids and then, and then it went to spring kids. There's like 13 of us. Yeah. Nine thousand didn't go anywhere. It seems or went everywhere.

Um, well, as I, as I, as I've talked about, I'm a giving person. So, one of the, one of the instances was I bought a couple of things for my, um, I'm an online gamer. And I have a couple of friends. Oh, my f***. Yeah. I've got a good case here too. Hey, what, what, what did you get? You f***. I built it back. Oh, what? Components did you get you? I understand. I don't, okay. I don't

remember because it was back in 2020. No, no, what's in your, oh, what? Yeah, it was long time. It's a really old PC. It's long time ago. But it does what he's doing.

“Oh, you bought your exa brand new PC too. Yes, so that's what I was going to get into. So, yes,”

what they heard is furry art. Yes, because he is a free artist. What did you buy on his PC for his PC? How, what was it? I bought the whole thing. Yes, what did it get him? I'm, I'm, what the f***. Michigan, wait, wait, we're coming back on. We got a piece of what Michigan education said. What on the PC, sir? You said, what on the PC? Um, I bought him. I think it's, uh, oh my gosh, I cannot remember the brand. I know. MTX is a good. How much was it? $2,500. And it's good. It's, it's got, um,

how can you even afford to get here? I know we reimburse you afterwards. How did you even afford to get here? I put it on my mom's card. Oh, my. And then I'm going to send it right back to her, so she can pay off. Yeah, so the PC, so, um, again, I don't get a lot of your PC anymore. Yeah, 2020 was a long time ago. I don't, I don't care. No, his PC. My, just bought. You just bought, when was it? I just bought him that one in, I want to say, how, how do you afford that?

The inheritance. Oh, that was, oh, my. Yeah. That's why it's wrong with you. Using grand mother's money for a PC for a guy that we've broken up with once because he cheated on us

“and are ready to break up with him again. Yeah. Did he stick it in another woman?”

Physically, no. What? I'm hyper-resoluble with the language you're using. I don't do it. It'll make sense in the post-show period. Oh, good. Listen, I'm just trying to be respectful, okay? Be respectful. You're going to respect the cheater? Yeah. Uh-huh. I respect the cheater. I'm not happy that I respect him. Okay. Oh, debt to owe to family and friends. No, no, no. To, to, to, to, to, to a friend 500 to a friend 500. Yeah. What do you want 500 for to a friend?

Yeah, back in, like 2021, I need help with rent and so I asked. Oh, from four, you have five years ago now. Yeah. Five years ago, five hundred for rent and you haven't paid that back. You dumb, but you gave him a PC for two thousand five hundred and you haven't paid back your friend. What is wrong with you selfish? I bought him the PC because his, his, the one he had broke and R. It's his life. Hey, you a friend five hundred dollars from five years ago.

My brother and I have a depressive fucking, my house because he can't draw his art. Does it matter? The bra, I'm not in the garden. He's wrinkled on his PC, which lied to him about that and said, I did it. No, the dog did it. So he didn't freak out on the dog. Uh-huh. You peed on the PC?

And the dog said, you did it? No, I said, I did it. So that's a who? To him, my wife. Why? So he didn't get freak out on the dog. He would hit the dog. He would be upset with the dog.

“To the point where he wanted to get rid of the dog. Like he was by that point with a bad dog?”

No. Nox is a wonderful dog. So he just has a low temper when it comes to things that don't go his way. I'm not the best temper person either, but I don't like, take shot on dogs. We both love that dog. That's just long going to say with that. I like how you can't give me any details about anything. I'm not going to say that. Are you sure is our dog? Well, does he? No.

Then say he doesn't. He doesn't mean he's dog, but there's definitely points where he doesn't take care of him like he should. That's just straight out. That's animal abuse. In my book, I love, I love when I applied to come on a podcast and then can't talk about things. There's certain things that you just can't talk about. Did I respect? About how someone treats a dog? I'm sorry. I consider that cute at that point.

If you're a piece of shit, the dogs cats. I get it. Okay, so mommy paid for the trip. You can't pay up your friend from years ago. But if you had enough money, okay, did you buy his PC? The day you got your inheritance? No. How long did you have your inheritance before you bought his PC? A couple weeks. No, why the fuck? Did you not pay back the $500 you selfish? Is I forgot about it? Oh, I did. Oh, yeah. I have a goldfish brain. So if things are in front of me

“at all times for me to look at, I don't remember that. And so that was in my notes of debt that I just”

forgot about until we were talking about all of this. And 1,808 to collections for what?

Probably 3 and everything down on a lightsaber at Disney is what? Yeah, as a first pay gift back your friend.

What is wrong with you? What is wrong with you? Pay back your friend. Are you still friends with this person? Yes. Wow. You sound like a horrible friend. I don't say I'm a horrible friend. I would say no. I do. I wouldn't consider myself that way. And I understand why you would. But the reason I don't is because you are the money. You haven't paid them in years. Even though you've had money to pay them for years. Because they know what I've been going through.

They know what I've been doing. So they know that when I have your attitude on your respect, the guy who cheated on you, for cheated on them. I love respecting people that cheat on me and respecting them for that. And when they do something better with dog. I love respecting people for that. It's interesting. So why did your mom think you came down here? That you bought money from

that you probably won't pay back because you never pay back money because you get things that

you want instead of paying back money. I will pay back. I'm sure. Yeah, you have a historic representation of that. I believe that. And good in your friend will the money go to your friend. Will the money go to your friend? The moment you get your reimbursement, how much did it cost to get down here?

“If you want to land a high paying job, but don't have experience or degree, then you need to learn”

about course careers. It is the easiest way to land the high paying career that you've been dreaming of. I've done financial audits for hundreds of people. And what I've learned is that the single biggest factor is someone can take to improve their life is getting a higher paying job. And that is why I've been such a huge promoter and even an investor in course careers. The way it works is you simply go through an affordable online course to start a new high paying career path. They teach many

different in-demand jobs ranging from technology sales to accounting, construction project management, the trades like electrician plumbing, HX supply chain, and many others that can be done remotely. And the coolest part about course careers is their platform works for people who don't have any previous experience or degrees. Their courses teach you everything you need to know to land your first entry level job. And they have a 100% free introductory course for each career

that teaches you all about what the job is like, how much money you'd make, and how exactly to land your first job was starting from scratch. Click the link below to sign out for one of their free courses today. It's a win-win! You get money and I get money. These are called affiliates.

And you get that sweet, sweet cash for signing up for some amazing products. The first one is time!

This is a checking account that I personally use and you get up to a $350 bonus with a new time checking account and earn up to 3.5% APY on your savings. And second, my invested app a choice these days is weable and get a 2% match on all of your money that you transfer over. And finally, sign up for automated investing with acorns. Typically, the sign up bonus is only five bucks, both my link. You get $20. Ladies and gents. You get money. I get money. Enjoy!

Links are in the description below. Fly-wise, it was like $500. Okay, so you'll have a little more to get to your friend. Sure? Yeah, I'll give it to him. Well, you? Yes. So your mom knew you came down for financial order? No, my mom knows things. So you lied to you borrowed in line. So you cheated on your mother financially in fidelity? I am a person to have a respect you for him? No. She will think I should have just told her. But yeah, whoa. But I will explain

a man person of telling her things like that. Oh, what a cult. That's a cult. I'm an in-person when I tell my spouse that I'm a man else and when she said I couldn't. It's waiting to tell a perfect moment to say it so that it would be excused. My mom works for bank. So she has amazing finances. She does well over finance. Oh, sure. You know how many people who work for a bank have had on the show? No, I understand, but no, my mom is really good at frances. But what I'm

saying is that, like, she didn't. I did not want to admit to her that I was going on a financial show instead of just going to her for the help. I did not want to have that money. I'm going to

see, didn't because she would just enable you. She always did. So what's this? Exactly.

$1,800 dollars. That is probably the old apartment that I used to live in Nebraska. Nebraska? I lived in Nebraska for four years. You look like you're perhaps going to feel the Nebraska. That makes sense. That makes sense. I don't know if that's good or bad. I like Nebraska, but I definitely wouldn't like Nebraska. I like it. Yeah, it was nice. I like loving there. I love a lot of fun people. In Nebraska? Yeah, but people? Yeah. One of my best friends is

live there. And you not pay your best friend back that one, too? No. No, he doesn't. Of course you don't. I don't owe anybody else money. No, just end those collections, including the extra 639.

“What's this for? Probably a credit card. Great. So why do you owe a previous apartment in Nebraska?”

So when I lived there, I lived with a roommate who we got it in July.

Here comes someone else's fault. And then not long after that, she started dating the sex

who was a felon. Oh, X. Did you mean X? She dated, well, it was an X at the time. I think they're married. Now, I don't know. I don't know if she's what you want to talk to you more. But anyway, she's her a daydness guy who was a felon. Good for him. Moved him in without telling me into the apartment, which is he a dangerous man? Well, yeah, he, he was a, there's a lot of felonies. Is he dangerous? Yeah, he was a domestic violence felon. That's not good. We don't like that one. Exactly.

You'd proper respect someone for doing it, but no, but anyway, so she moved in and without telling me like I went away to visit family and I went home to his family and came back and he was moved in. Told her that she had to get him out like it's not like you can't have that. He's a felon on our lease. Like you cannot like we can't have a felon on our lease little living in here without being on the lease. And so I talked to the apartment complex. I said, hey, can I just,

were you on the individual leases or shared these together? It was a shared lease. So yeah, you signed that contract. Yeah, no hundred percent. And so when I, when I moved out, are you telling cults and news all their fault, then? And they go over. I would say they think, you know, because here's why. So when, yes, I don't, I'm getting there. So when we when we did the lease, I moved into a smaller apartment to, you know, make it more cost effective for me.

When they re did it, they messed up the paperwork and said that I moved, that I, the lease started in November. They were just supposed to renew the lease in, um, for July.

Okay. When we first moved in, but they didn't. So when I planned to move out in June,

when I planned to move out in June, I told them, like, okay, hey, my lease is undying. I'm moving out. Here's my notice. And they said, no, your lease is up in November. And it up being whole fight. And so that's just the last month's rent that I'm referring to. What contract did you sign contract said that it was supposed to be up in July? Did you show them that contract? Yes. And, and they refused to accept it saying that

due to the re signing with the new lease with her going off it, it was supposed to be the lease showing the new lease, all it said was that it just removed her. That's all it was

“that are moving our off the lease. I know. That's why I'm like, hey, collections, 512 for what?”

Probably credit card. Why weren't you paying credit cards when? Um, that one I probably was from like 20 to the last one. Why? That's another 257. Why are you paying credit cards? Probably because I just couldn't afford it. Just couldn't you have enough money, money payments, because I didn't have the money in my account. Why? Just, I know you're still getting your ass to Disney. So why? Bullshit spending. I'm guessing none Disney. And, uh, you know,

you don't feel like you're going to pay it back. You know, you're not going to pay it back. My credit cards? Probably not. No. Good collections. Why? I mean, do you spend other people's money? I will pay them back if I have the money, but I don't have the money. We don't have the money because you spend all your money on bullshit. You can pay off one of these a month just with your bullshit money spending alone. Cute Disney. When you're talking about cute. Okay. Then I'm going to

then I'll sit down and I'll budget out to where I can. Do I can't pay those? I would like to.

“So you literally got a 9,000 dollar check from your grandma. What are you talking about?”

And then I gave it to people who I thought needed it more. Yeah. I probably should have put that toward all of my debt and I probably be in a way better position, but I didn't because I felt like the people in my life needed something more. My axles, one of them. And do I regret it? Yeah. I do. But here is the thing. I did so that they could have a happier life. Like the one that I bought a guitar for, he's the happiest man I've seen

him in a long time because of that guitar. Would you buy a guitar for? I bought a guitar for my friend and Belgium. Your friends in Belgium. Have you ever met this friend? We, we video

No, yeah, you're getting milked. You're getting this. Yeah, but you're getting milked.

“Milked. I don't want to admit that because I thought that way. You have a Chevy”

equinox. I do. I stay by her. Hey, 2020 we're super excited. And it's 16% interest rate of death. Why? Because I needed a car. I get this needed a car. I got it back in. It's why happens if you have collections on your credit, by the way. It could have saved yourself more money than paying off your collections by having a lower interest rate most likely having a better loan. Right. So when I got that back in 2021 August 2021. Yeah, that was not

interest rates done. You know, we were in better interest rate territory. Yeah. Welcome to having the consequences of your your collections, dude. Yeah. Well, I needed a car because like the

car. I'm not saying don't get a car. But also how much was the purchase of the car? Because you

didn't need a car this much. It was 24,000 dollars. It's wrong with you. Why did you not get a 10,000 hour car? What the? It's wrong. You put some winter tires on that shit. Because I wanted something. Wanted. Wanted. I know. There it is. How'd you afford this? You were letting credit cards go to collections at that time. How'd you afford this? I took out my 401k. Oh, my foot is from my dog with you. How much did you take out? 36,000. Oh, my goodness. And yet you still have a loan on it.

I'm the car. Mm-hmm. What old don't want to go? Uh, so I did put a down payment on the car. And then some of it went to certain that. Some of it went into savings to save for expenses. Like I'm just defunding stuff like that. And then I did pay my mom. She she asked me for a couple of grand to help her pair a car for my sister. Do your mother the financially well off mother? It was a technically a payback. It would let me be clear. It's technically a payback. There you go. Yes. It was a

payback for something earlier in the earlier year in the year. What do you think this car's worth that you owe 15,000, 175 dollars on? Probably around 15% interest rate? 13,000. About 13,000. Yeah. I think when I'll throw up because I do, I do want to get out of it. You kind of want to see as your answering questions correctly. Why are you so f***ing you're allowing it? You're so informed. This isn't ignorance anymore yet. You allow it? Yeah. Get out of this car. Get a 10,000

hour car to better interest rate. What the f*** are you doing? I wanted the car one for safety because they didn't want to give a shit. Feel, I don't care. Get modern cars to save. It'll be fine. You're not getting a 95 car. I know, but at the time I wanted to eat that. That's the time I'm saying

“now. I'll sell no. I'll sell it. Good. I thought about it. That's why I knew the price of”

round because I've been looking at the selling it. Don't you want to give it a run? Yeah. Sell it. Save yourself $5,000 a day and a lower interest rate. Okay, student loans. So what the f*** did you do? Because you said you don't have a degree. Yeah. I went to school for psychology. Clinical psychology. Mm-hmm. And how much school did you do? I went. I am a junior, technically. So I have like, I would only have a few more studies. You're not in school. Well, I probably only had about

maybe a year and a half left to be able to get my bachelor's. Hey, you dumb. Absolutely. What? Set of actually paying off your shit. Set of actually taking care of this being a responsible adult setting yourself up for success when breaking up with your boyfriend needing to move out. Set of actually paying back your friend or paying back your family in friends. You literally just bought a motorcycle from your aunt for $2,500. Yeah. When what is wrong with you? Yeah. Okay. So

the same, the same way wrong with your woman. So the same day my grandmother died. I was at a funeral for my grandfather on the other side of the family. Yeah. Old people have been dying. Yes.

“That's how I'm sorry. And at that funeral, I was talking about my, to my aunt, they're like,”

oh, one day I want to buy a bike. Like, one day it was a plan down the road. Like, we weren't, we knew we weren't ready for it, but we were planning, we were thinking about it. Did she death, sympathy, sympathy sell you? She death, sympathy sold you? She said she had a an old bike that she was wanting to sell. And I said, well, death purchased your death percher. Yeah. So as soon as the hairdance came in, I said it aside. It's sitting at my house.

Oh. Yeah. It's sitting in my apartment. Death, sympathy sold you. I have a love for motorcycles just from a kid for it because my grandfather and all that. Why associated with death in nostalgia, you had then spent $2,500 on instead of taking care of your shit. Yes. You death purchased a motorcycle?

It should never death purchase. Never death purchase. In the moment, I truly, truly just wanted to

do. Welcome to a death purchase. I know. And you had a double death. That was to double death purchase. Technically, yeah. Well, yes, two people died. Yeah. It wasn't figuratively.

Now looking forward to it. Um, so you must drive it around a lot. She's holding on to it right now.

Oh, okay. Oh, she was supposed to bring it to me in August.

“It's a sentimental thing. Yeah, because you death purchased it. You should under death purchased it.”

No death purchasing. Death sell it. Wait for someone else to die and death sell someone else in the family. I would sell the car over the motorcycle. Okay. Death sell your car. Okay. Also, and then drive the motorcycle in the dead of winter west Michigan where like there's no happen. That is the problem. Yes. Well, that is the problem, which is why it's not real. It's like, which is why I get rid of the bike sell. It's someone else in the family dumped it.

No. No. No. No. You know what? No. Why? Because that is something I truly, truly, truly, can't afford. You're right. I can't afford it. But I, because I have no other way to connect with my grandfather and that side of my family anymore. Oh, why? I'm sorry. Are we really doing the inanimate object thing? Are we doing that? Is that a thing we do? Do we do that? I don't think we do that. Especially for motors and gears. Son of an iron. Fools an iron,

but I'm not saying to say sell the iron. Like you keep sake from a family or a ring or something like that. That was like grandma's ring. People have had grandma's ring on the show before I've

never said sell it. Right. A motorcycle? Something that will likely lead to their own death.

I, oh, I can say that I'm not going to be stupid with it. It's all I'm going to say. Yeah, I do not trust

“you for that. You don't add a trust me. All I'm going to say is I'll be safe and that's what matters.”

Why do I even believe that the fall death injury rates from motorcycles might fall so hard it kicks your jaw into the center of your face? No, we might own fault then. It'll be good. Very true. Can we get for me? Why did you drop out of school? Well, I went out of psychology school recently because I recently. Yeah, it was April May. Wait. In the fall. You accumulated this last year. This has been over since I was over 18. I've been in and out of school since I've been 18.

Why? Just different schools. So I went to community college back home first to get my grades up. I was supposed to actually come out to San Antonio for school for powerlifting and for powerlifting. Yeah, I'm a powerlifting. Yeah, I'm a powerlifting. Well, they're, so I would capitalize him as gone too far. No, so I would go to college and powerlifting for the college like a sport. Why did you if they were paying for school then? Because I recruited out to Illinois for the

same thing. They, they pay me more. They pay me more. Yeah. To Midland University. First of all,

I'm a kindergarten university. It's a private school. It's a private. It's a private. It's a private. Southern Illinois. And Northern Illinois. Right. They covered your college. Some of it. I had to take out student loans of course. I'm going to, to powerlifts. Okay. sick. And then do you have minimum fee payments on this? No, because I just started in school. So we haven't, you just started school. I just stopped, like I just stopped. Well, let's pick up again. It's probably going to be like 100

for the buckle month. Yeah. Yeah. I have a couple of two months going too. Yeah. Um, oh, yeah. And then I also, um, did, call in every school as well. All right. You can't bite down on things. I was a bakery. Baker. It is soft. Okay. Yeah. And I didn't eat it. I'm also a, I did back then. But I don't even know. Yeah. Yeah. Yeah. Make gluten free shirt. I don't want you to be a baker. I don't want to make a lot more gluten free shirt now. Yes.

Nasty. Yes. Okay. Five dollars in this check in, kind of. This is the other loaners. No, I already saw this one. Okay. So yeah, same bank. So it just kind of came together. I count 900 bucks. I'm from a thousand savings is flat at five dollars five five withdraw courtesy fee McDonald's come out. What the fuck McDonald's former fatty to a McDonald's

“in that dangerous. Okay. Amazon Prime courtesy withdraw again. What does this courtesy withdraw?”

Constantly probably my weed habits. Why is it a courtesy withdraw pay fee? Because I pull it from the ATM in the, um, dispensary. If I'm losing teeth and smoking weed. Northern Michigan. Hello, withdraw fee withdraw fee withdraw fee. This course is a discord kid. Yeah. Pay money. I can't sell it. I can't sell it. Great. withdraw fee withdraw fee. Spotify. Crunchy roll golf. Big Apple bagels. Amazon.

Myer Express. Myer Express. YouTube membership. Which is the best one. And number one I need to YouTube where I guess we get all the interesting stuff is when you click that join button join Hamrow League, join the literal fifth like 50,000 people or whatever. It's so good for a reason. Coinmaster, Coinmaster. Talk about Crunchy roll again. Blizzard. You eat like shit, dude.

Texas row now. Coinmaster coinmaster for 1730?

It's my master coinmaster coinmaster. What is that? Coinmaster is a, um, mobile game. But I spend money on when I'm bored. I hundreds of dollars. Yeah. What the, wrong with the 0500. You're a bad person. Jersey mics withdraw fee. withdraw fee. Myer that's probably groceries. Coinmaster coinmaster again. Total overtreft this year. So far, hundred eighty eight dollars. And this period alone was two overdrafts. Yeah. Oh, you're, you're, you're done. You're done.

401k. Do you still have one? So I am, I do have a, uh, we're okay with my word. What? Okay. And, how much is in it? It's around 4,000 right now. Great. They just started a hardy before.

Okay. Let's get your debt minimum repayments and put in your student loans in the other

because they'll kick in any time now. Okay. Okay. It's about to be 1,207A, but hopefully the student loans kick in by the time that payday loan one goes out. You're right. Let's say 1,000.

“Because that's what it's going to be. What's your utility's alone going to be?”

Expensive gas in the winter expensive electricity in the summer. What? I would say probably average it to like, like 150. Because right now, I'll put it in it or I'll set it in and out. I agree with it because our utilities internet into 150 though. Yes. Okay. I don't need expensive. Okay, foam bill. Oh, my mum hates work because it works. That he's earned $2,000. $2,000 with T-Mobile's good there and it should be. It's Grand Rapids.

Do healing him. It's like cheap like 15 bucks a month. I'll also give you a course career certification so you can continue. We'll laddering up in the career world and also make sure you use the fizz cards that have a card that builds credit because you can't be trusted with credit. Look what you've done. Okay. So we'll get those resources to you and we'll also get you in the last year money program. Gas how much on a monthly basis, room room drive drive. I would say

probably budget for around probably 200. Okay, car insurance. It's under my mom's.

“You have every opportunity to do well. $300 for food, T-P fun, anything else you need to”

$500 medical health care. They're copays, monthly basis medications. You're in therapy. How much? Oh, overdrafts was a 1,088 this year. 1,088, not 1,088, 1,088. Oh, two, you're, oh, my, good luck. No, you put on a good face, but you're, I don't get overdrafts at high. That's a historic. You're the, I didn't know it was. And paid it a long good luck. Okay. Yeah. Yeah. Co-pays on a month. What? I would say probably, let's see 150. Jim. Oh, yeah. 20.

Subscriptions. I'll try about 40. Anything else that needs to be in the budget? How much for the dog? Pet insurance is 250. I have a cat too. Pet insurance and renters and insurance is all together one 10. Okay. Hopefully it's good pet insurance. How much for pet food? I only pay for the cat's food. So it's probably only like 20 bucks a month. Yeah, but you're about to move out. And I don't think he wants to dog, but now he wants to dog. He made it very clear. What? This makes

so sense. I cannot wait to learn about this guy in the post show. Guys, if there was an episode of

“sign up for hammer, I think this is the one. It's gonna be the one. Um, you barely make a wiggle room,”

but 3,368 dollars. But I know one of those deaths is gonna fall off soon. The, the payday loan, but then student loans will replace about half of it here pretty soon as well. So you'll listen right now at 3,368. You have 232 leftover. You're about to have 432 leftover, but at 232. Suited loans is not on emergency payoff, but that's not even gonna include in the 3425. Divided by 432. Oh, that still takes a really long time. That still takes five years even with the

payday loan being gone. And not focusing on the student loans at all. That student loans will still be there. So it takes five years. Yeah, it's time that we leverage. We just go make more money. Now you've just put yourself in a really bad debt position situation, and that doesn't include collections either, which will keep your credit score low. Now, yes, I would sell the car, get a 10,000 hour car, hopefully better rate. I don't know if your collections in debt day can

come then might be hard, but at least say $5,000 dollars there might save us about six months or a year in payment. That helps. Might be a four-year process. Get a better job,

use the certification to course careers, or work a second job on something's feet dumbassery,

and maybe we get this down to three years. But I think that's our path to golf, and I'm done. I'm done. Join the post show. We're going to learn everything about the guy. Finally, what I want to know, everything and what this cheating not cheating bullshit,

It's been in a budget. You spent slightly less than you made, but it was more than you say you

“normally make, but nothing went to actual debt or anything beneficial. So, two out of ten.”

That collections, there are 10 emergency funds, nothing's there are 10 retirement,

dramatically behind it. Your age, I'll give a two out of ten. Real estate is zero out of ten.

“You're trying to find out score, Caleb Hammer.com. Hers is a one out of ten. Click, join.”

Join Hammer Elite. That's membership on YouTube through three premium shows, post it every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. It's great. See you there.

“What did he do? He is a very artist, but he's an inflation-free artist.”

What does that mean? It means he likes to make his art very bloated like balloon-like, and he likes to do that to himself in person, too. He likes to do what? He'll take a **** on a hose and put it up his **** and then turn it on,

and he gets like off by doing that. Oh yeah. You never heard of anything. Oh yeah.

Camera Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comments or description below. This is the best membership you'll ever join, and that's a promise.