Nasty B*tch Made $1 On OF Last Month | Financial Audit

Added: 2026-05-08

[00:00:00]And I'm told you think you can make 10,000 hours a week selling feet pics.

[00:00:03]You're kind of >> not just feet pics.

[00:00:04]>> Your kind of feet are >> a lot of other stuff.

[00:00:06]>> Okay. Well, >> like fare in that Vegas. You're actually probably just like a four out of 10.

[00:00:12]>> You're a four out of a 10. I'm like a seven.

[00:00:14]>> See what I do?

[00:00:15]>> You have a great personality.

[00:00:16]>> Your inflated self worth is ridiculous.

[00:00:19]And you think you're worth Hey, you're muted by the way.

[00:00:22]>> Shut up. I'm talking.

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[00:00:54]>> Hi, my name is Veronica. I'm 37. I'm from Las Vegas, Nevada. And this is financial audit.

[00:01:00]>> Yes, it is. Thanks for coming over. I appreciate it. Uh, what do you do in Las Vegas for a living?

[00:01:07]>> I am in accounting construction.

[00:01:10]>> That's not what I was expecting from all that. Accounting.

[00:01:14]Okay. So, accounting construction. I assume that is accounting for construction.

[00:01:18]>> Yes.

[00:01:19]>> What do you make?

[00:01:20]>> 76.

[00:01:21]>> Not bad. Especially Vegas. It is I mean it's definitely gone up in cost of living but still compared to a lot of places you know people go there for a reason. It is a bit cheaper. They're building a lot. That's good. So what hits your account on a monthly basis?

[00:01:34]>> What do you mean?

[00:01:35]>> What dollar amount? We can be more literal. Hits your account on a monthly basis. Well, what did you think I meant?

[00:01:42]>> What comes out?

[00:01:44]>> When I said what hits 11:05 a week.

[00:01:49]>> Okay.

[00:01:50]11:05 * 52 / 12. Okay, so an average >> 53 weeks in this year, by the way.

[00:01:59]>> I'll get 53 paychecks this year.

[00:02:01]>> Oh, why?

[00:02:02]>> Cuz I get paid every Friday.

[00:02:04]>> Okay, so there's a bonus Friday this month.

[00:02:06]>> Yes.

[00:02:06]>> Okay. What is that? 11 $1005 you said?

[00:02:08]>> Yeah.

[00:02:08]>> Okay. But only this year, but even still. Okay. Okay. Okay. Times 53, I guess, divided by 12. So you're averaging $4,880 a month. Yeah.

[00:02:18]>> Mhm.

[00:02:18]>> Does that work? Does that sound right?

[00:02:20]Yes.

[00:02:20]>> Okay, good. So, why do I have essentially what was said here? Cuz this isn't really line up with your job. It was essentially you kind of divorced a guy so that you could go pursue being naughty online to make money.

[00:02:35]>> Well, yeah. I mean, it's a really lucrative business.

[00:02:37]>> It is, but clearly that's not what you're doing. Sounds like that game plan didn't work out if you're working in accounting.

[00:02:43]>> Well, I mean, I started out in accounting. I mean, I've been doing accounting for >> Well, I know you started out in accounting, but when I just asked what your job is, you said accounting. So, it's not I didn't ask what job did you start out in. I asked what do you do for a living? You said accounting, >> but that doesn't line up with the what I'm have been told of you leaving your husband so that you could go be naughty online.

[00:03:04]>> Yeah, I want to be a dominatrix professionally.

[00:03:07]>> Okay. Where's the income and dominatrixing currently? I mean, I'm told you think you can make $10,000 a week selling feet pics. 10,000 a week selling fee pics maybe. I don't know that seems pretty intense. I don't know what your kind of not just feet pics.

[00:03:20]>> Your kind of feet are >> a lot of other stuff.

[00:03:22]>> Okay. Well, yeah.

[00:03:25]>> Underwear socks >> like fart that Vegas.

[00:03:31]>> Dude, you're not Amranth.

[00:03:32]>> I have a really nice ass.

[00:03:34]>> No, you're not Amranth. And no, you don't. You're not Amaranth. No, I'm sorry. No, nobody.

[00:03:41]This is not true. Oh, should I be mean already? It's only 3 minutes and I'm sorry. Just no one of your class, no one of your spawn.

[00:03:53]Wait, and age combination has a nice ass. Just like >> I've been told otherwise by many, many, many men.

[00:04:03]>> Do those men look like >> than you are.

[00:04:05]>> Do those men look like Tyler? Does >> some of them? Yeah.

[00:04:09]>> Yes. Okay. because that would that would make sense for everyone else.

[00:04:13]>> Actually, most of them are uh white guys who just really want to be human wallets.

[00:04:20]>> Okay. So, losers and weirdos and freaks.

[00:04:23]Yeah.

[00:04:23]>> So, okay. But no one normal. Okay.

[00:04:26]Listen, I'm not just trying >> I mean like what's your idea of normal?

[00:04:29]>> Uh someone that doesn't want to be treated like a wallet.

[00:04:32]>> I mean, what are American citizens?

[00:04:34]>> Human beings. What are you trying to get?

[00:04:36]>> They're wallets to the government.

[00:04:38]>> To the government. Then every citizen is a wallet to the government in that case.

[00:04:42]>> So I mean like that's normal.

[00:04:43]>> I don't think everyone enjoys paying their taxes though.

[00:04:46]>> Well, nobody does.

[00:04:47]>> Well, there you go. I don't think they enjoy. You said you like people or people like you who want to be wallets.

[00:04:52]That's different than >> those that are forced to by gunpoint.

[00:04:56]>> Okay. No, I understand that. I'm sorry.

[00:04:59]It's just like, okay, I wasn't really trying to bully you out of the gate, but you're just saying like I when you just say I have a nice ass, I mean, let's be just honest for what the majority of people would think. It's just like come on. She just starts breaking down.

[00:05:14]>> I didn't say it was perfect.

[00:05:16]>> No, I didn't require perfect, but just nice. I mean, >> really big.

[00:05:19]>> Whatever.

[00:05:20]>> It's really big.

[00:05:21]>> Yes, it that happens when that happens.

[00:05:24]I I get it. Same thing happened to me. I mean, doesn't make it nice. Whatever. Oh my gosh. I'm not trying to go down that pipeline. You keep making me go.

[00:05:34]>> No, it doesn't.

[00:05:35]>> Yes, it does.

[00:05:36]>> How >> do you not like big ass?

[00:05:39]>> Okay. Yeah, sure. Let's define what I like. Um, sure. Yeah, a nice large butt is good, but usually it's attached to just like when it isn't just all fat and it isn't getting like I don't know what it's described as, but when it's like first of all, there's probably stretch marks. There's I don't want to go all this.

[00:06:00]>> I mean, somebody who looks like you really shouldn't have this much like particularities into who you're attracted to. In terms of who I'm attracted to, I don't think who you're attracted to comes from what you look like. People just have attraction. I like just conventionally attractive people. No. Why would I lower my standards? Listen, I don't care. Was someone >> You are a basic white boy, so I guess.

[00:06:22]>> Sure. Yes. Okay. Very good. Listen, it's it's I'm not trying to the entire intent. I wasn't going to call you ugly or anything like that necessarily, but the thing is you're like thinking you can make $10,000 a month doing what Amar's doing with her giant fart. It's because I'm >> Shut the up for a second. And you saying no one gives a And you saying >> I beg to differ.

[00:06:43]>> Okay. Well, yeah, you're keeping your accounting job, so clearly it's not working for you, is it?

[00:06:48]>> Well, I just started.

[00:06:50]>> Uh-huh. Yeah.

[00:06:50]>> Not working very well. Leaving your guy for that pathetic [ __ ] So, the thing is I wouldn't have talked about your >> by leaving him because he was a piece of [ __ ] >> Yeah.

[00:07:03]>> Yeah. Oh, yeah. He's the reason I'm in so much debt.

[00:07:07]>> Why?

[00:07:08]>> Why? Because he wasn't a partner.

[00:07:10]>> Uhhuh.

[00:07:10]>> And I was in a situation to where like >> Are you sure that's even what you're looking for? Is a partner, not a little slave boy?

[00:07:17]>> Actually, you know what? It was a one night stand that turned out to be a really good lei and then turned out to be a really great friend. And then we started dating and then I >> seems like all your choices.

[00:07:29]>> Shut up. I'm talking.

[00:07:31]>> Are you about to do the women and accountability thing? No, I'm saying that like he we moved in together in his parents carriage house.

[00:07:40]>> Still your choice. I'm >> Yeah. Well, I mean, I didn't really have a choice. I didn't have anywhere else to move.

[00:07:45]>> [ __ ] Everyone has everywhere to move.

[00:07:47]>> Oh, I mean, if you >> You make good money. You've been making good money.

[00:07:51]>> I did not always make good money very recently. Almost 13 years.

[00:07:57]>> Okay. So, how many years ago was this into this carriage house?

[00:08:00]>> 6 months ago. You weren't making this money 6 months ago?

[00:08:03]>> No, I just got a raise this year.

[00:08:05]>> 6 months ago, you weren't making that much.

[00:08:07]>> Uh-uh.

[00:08:08]>> What were you making?

[00:08:09]>> It was like an 8% raise.

[00:08:10]>> Go yourself. You could have had somewhere to live. You're just a no accountability and I can use this literally [ __ ] >> Well, yeah, you know. Well, actually, no. I'm not a [ __ ] because I don't get paid.

[00:08:22]>> Oh, great career decision.

[00:08:25]That's going to get you somewhere.

[00:08:26]>> Well, I mean, you got to practice. I'm like it's I've been out of the dating game for so long that like you know I got to like go around and find out like trying to find like my niche you know >> I thought you did >> my niche.

[00:08:39]>> Yes.

[00:08:41]Black men.

[00:08:42]>> No >> racist.

[00:08:44]>> I mean there are BBC. There is a lot into BBC. There's a lot of like white Why are you not into black guys?

[00:08:51]>> That's not what I said. I said there's a lot of white guys who are into >> and like watching me be dominated by a BBC.

[00:09:01]>> It's so specific. Like several guys have asked me, >> "Oh, or these uh uh boys who want to be called baby boys, then want to call me mommy."

[00:09:14]>> What the is wrong with this world? Guys, just go get yourself just a just normal woman. What are we doing here?

[00:09:23]>> Normal women don't exist because of the patriarchy.

[00:09:26]>> I don't even know what the that means.

[00:09:28]I'm dating a normal woman.

[00:09:30]>> You think so?

[00:09:31]>> As far as I know.

[00:09:34]I just mean like someone this is not like I don't want to be mean. Oh, you're just okay. Yeah, whatever. Listen, if they're paying for it, whatever they're into it, you have a nice ass according to them. I don't know. Um, you just suck me down these rabbit holes when you position yourself up here when you're probably right here. And like at least I know I'm right here. It's like I don't drive myself.

[00:09:54]>> Wanted me down here.

[00:09:56]>> He made me feel down here. And then I broke up with him by a lot of women. And then I was like, "Oh, yeah, that's right. I'm really pretty."

[00:10:06]>> I mean, it's all right. Like, >> oh, it's like, what do I do with that chat? I I'll be the internal monologue and this is not your show. What I am struggling with right now uh chat is like what do I do with that cuz I would look mean by being realistic and the fact that uh in no conventional sense or in any way whatsoever should consider pretty but also we live in a world right now where they are endlessly hyped up by other people who are not realistic around them especially the women um saying no you're pretty you're good you're a great queen and all this stuff and then you look like a dick for saying no you're actually probably just like a four out of 10 I'm a four out of 10 but at least I'm realistic >> you're a four out of a 10. I'm like a seven.

[00:10:47]>> Well, YOU ALMOST SEVEN.

[00:10:51]>> I'm a seven.

[00:10:52]>> See what I do with this?

[00:10:54]>> Have a great personality.

[00:10:55]>> There is an interesting thing happening right now where at least men understand where they are on the scale, you know.

[00:11:01]>> But for some reason, you are just so delusional.

[00:11:04]>> Live life like with the confidence of an average white man.

[00:11:07]>> But I know where I am. My confidence is realistic. I just called myself a four.

[00:11:11]I know I'm a four. I'm okay with being a four. You're delusional and think you're you're But I need you to bring you to realistic town.

[00:11:18]>> I'm a seven.

[00:11:18]>> There's a reason you've made $0.

[00:11:22]>> Got you, [ __ ] >> The market is realistic. Whether or not people around you are when they're trying to be nice looking for clients on these dating apps.

[00:11:30]>> Uh-huh. Actively looking.

[00:11:31]>> Yeah, >> that has not worked. 0. The market has confirmed you where you >> to my point because women on apps money if they look good. Um, the thing is it's not it's it's literally not to be mean to you. That's the hard part because I know I'm looking like a dick. I really do. Um, but it's so complicated because you are a dick.

[00:11:53]>> Sure. But the reality is people have hyped you up to here and every single ugly person right now is getting hyped up to here. But at least just a normal ass dude. We know we're down here. The market has confirmed that you're down here, but for some reason you've been hyped up so much to be thinking you're up here. I don't understand what it is and that's why you've made $0. The market has confirmed it and I just need to be realistic about it because you think you're going to make a bunch of money off of this and you've left your boyfriend for this you. I mean this is not going to work.

[00:12:20]>> Well, I didn't leave my boyfriend just for that. I left him because he's a drunk.

[00:12:24]>> Okay. Well, that's also a good reason to leave. I don't know why you stuck around for so long.

[00:12:28]>> Well, it's comfortable >> being with a drunk.

[00:12:31]>> Yeah.

[00:12:32]And the rent was cheap.

[00:12:34]>> Well, that might be a reason.

[00:12:35]>> Also, we had dogs together.

[00:12:37]>> Okay. Yeah, that complicates it a little, but not as much. It's like a child or something. But >> no, my dogs are >> They were my They are my children.

[00:12:48]>> My dogs are my children, too. I get that. But if we're also just again, >> I sacrificed my dogs so I could get away from him.

[00:12:55]>> Yeah. To do sex work. Great. So, but the thing is, >> but doesn't that sound like the best kind of job?

[00:13:06]Even if it's not even in person, it's just online stuff.

[00:13:09]>> No, I prefer in person because you get to choose a clientele. Yeah. I mean, I'd love to get paid to I got you. I got you.

[00:13:16]>> That sounds like the most fun job.

[00:13:18]>> I'm not shooting it down.

[00:13:19]>> Especially if I get to just tell them what to do and I don't even have to them and then they pay me.

[00:13:25]>> Well, yes, but you have to get hired for that. And the market has demanded that you are uh not $0. Again, what's again with the dog thing? I mean, uh, the the conversation, my dogs, I probably have the same mentality as you do, but just like where you're rating yourself up here, I have to be realistic. There is the real world where it is not the same as a human in the end when it comes to the complications around separation.

[00:13:45]>> Yeah, I know. I left the dogs with him.

[00:13:47]>> Yeah. See, so I can get away, >> which is sad, and I'm sorry that is hard. So, you're currently paying for eight different apps to find these clients and buying kink equipment and filming equipment. And again, $0 is made because the market has shown that you're here.

[00:14:03]>> I'm investing in my future.

[00:14:04]>> Oh, yes. That's great. That's every every small business American.

[00:14:10]>> Like uh um starting dating apps and the dating actually. Um I had to buy underwear like >> your previous relationship was underwearless.

[00:14:21]>> No, it was just like regular like everyday undies. Not like these aren't going to be worn for very long kind of panties.

[00:14:30]>> But isn't that the point is that we wouldn't see you in them?

[00:14:34]>> No, that is the point is you see me in them. Also for pictures.

[00:14:40]>> Yeah. Pictures.

[00:14:42]>> Pictures.

[00:14:44]>> Oh yeah. Yeah.

[00:14:46]>> Mhm.

[00:14:48]>> And filming equipment like phone stands.

[00:14:50]>> Ah, making me imagine this [ __ ] dude.

[00:14:53]>> And vibrators. Oh, for sake imaginary visceral person.

[00:15:02]>> I like this is like on my bucket list in like the next two years is to like >> I'm not making the show sexual people.

[00:15:09]This is >> tag a really strong man.

[00:15:13]God, I want to do it so bad.

[00:15:15]>> Weird. I don't Okay. Okay. Yeah, you do you. Well, listen.

[00:15:19]>> I am I am doing me.

[00:15:20]>> I know. But I just want you to make money and actually do it. How is >> Me too.

[00:15:26]I'm getting there. I'm just, you know, I'm starting >> $0 one cent would be almost getting No.

[00:15:31]How much money have you put into this thing? All this equipment and [ __ ] and >> absolutely no idea.

[00:15:36]>> Yeah. So, it's all your ex's fault.

[00:15:38]>> Oh, I mean the debt for sure.

[00:15:41]>> Yeah. This entire month on >> half of half of the debt. Most >> put it all on him then when you say half of it is. And then this last month you don't even know what you spent on something that you're making zero dollars on. What is this accountability thing? Why are the women I'm sorry it's No, I'm gonna finish my point. Let me finish my point for mute her mic. Mute her mic. WES, MUTE HER MIC.

[00:16:04]>> OKAY, thank you. You're muted right now.

[00:16:05]No one can hear you. The point I was trying to make for a second is that it's not an all women thing cuz I don't want this to come off as a gender war red pill thing. It's not that [ __ ] I would just like the majority of people on the right and left are normal. The majority of men and women, they are normal. But the thing with you, you're muted so no one can hear you. The thing about people like her that just blows my mind is why are you're still muted. Why are the women that are the ugliest that think they're the most attractive also the least able to hold accountability to themselves and only blame other people?

[00:16:44]Now, don't get me wrong. There's freak men that do the same thing. The weirdo incelss that blame um all this like women [ __ ] on them not being able to get laid. No, you're aing loser. But you're the weird polar opposite as well where you your self-inflated your inflated self-worth is ridiculous. And you think you're worth Hey, you're muted, by the way. And you're so beyond thinking you're all the way up here. And then the moment we dig in to your responsibility of your debt, we learn real quick that no, half of it minimum is actually your fault, not all the X. You don't even know what you spent on this hobby that makes $0 last month. So the weird connection between an ugly literal sense that you're muted, no one can hear you and away from a mic that thinks she's all the way up here but is actually here is also that far away from accountability. The correlation's quite crazy every single time.

[00:17:40]>> Okay, we can unmute her. If you would like to respond now, you can.

[00:17:45]>> You're so trash me.

[00:17:46]>> Trash.

[00:17:50]That was that that's your rebuttal after all this is I'm trash. How am I trash? I don't think I'm trashy.

[00:17:56]What am I trashy?

[00:17:57]>> I broke up with my ex because he was not a partner. He did not help me.

[00:18:04]>> When I got fired from my job because of co >> I had to still pay my part of the groceries.

[00:18:11]>> That was six years ago. By the way, >> I still had to pay for my part of the rent. I still had to pay for my car payment. I still had to pay for my car insurance. I also financially support my mom.

[00:18:21]>> This was 6 years ago. I don't like what I >> still financially support my mom. I pay for the phone bill. Why do people do that? Why do people do that? Why do people do that?

[00:18:29]>> I pay for her internet.

[00:18:30]>> Why do people do that? He doesn't have bills.

[00:18:33]>> So listen, how does this help me and it took your accountability?

[00:18:38]>> He didn't help me years ago at all.

[00:18:41]>> 6 years ago.

[00:18:42]>> Yeah. And then I got a job.

[00:18:44]>> Where is your accountability?

[00:18:46]>> And then I wasn't making enough money to pay off any of the debt >> and then I was working at a temp agency.

[00:18:52]And then I got fired again.

[00:18:53]>> Get a better job. Stop getting fired.

[00:18:55]>> And I as a temp like you can't help that.

[00:18:58]>> Yeah. Get a better job. You know, back then was the best employment market in the history of the United States for people without qualifications.

[00:19:05]>> Shut up. I'm talking.

[00:19:08]There wasn't a time where he would assist me when I needed it financially.

[00:19:14]He was always, "No, that's your job. No, you do that." When he was only paying >> six years ago, I don't give a >> fourth of his or a quarter of his income he was paying for bills and the rest of it he spent it on alcohol. And it didn't help me at all. That sucks. But it was through our entire relationship.

[00:19:31]>> But why is it only you being able to get help though? Why weren't you able to do anything on your own? Why is it if he didn't do something you couldn't survive? Where is your accountability?

[00:19:41]You're right. In a partnership, we should be supporting each other. I am on your page with that. And there's probably a lot there where he should have manned the up, stepped the up, and certainly stopped drinking and gotten himself under control. But if the fact that we're talking about you not having any accountability, go to six years ago during the pandemic and then you couldn't find a job, all you got was a temp job when it was literally the best employment market and you were in a boom town for what it's worth. Vegas, there was jobs galore places like >> Austin, they could hire whoever they wanted and I barely had any experience.

[00:20:10]I'm also a college dropout >> but it was still the best experience time for people without degrees, without qualifications. That pandemic era was the best time in American history in terms of a job market. So where's the accountability and saying he's not helping me, he's not helping me, he's not helping me.

[00:20:28]>> His highest employment and that's on you then. That's on you. I don't care that it took you 6 months. You can't blame them for that. That's still on you.

[00:20:37]Where is your accountability?

[00:20:39]>> The whole time I wasn't getting unemployment.

[00:20:41]>> I don't care. Where's your accountability for anything? Why weren't you getting unemployment?

[00:20:46]>> Because it was the backlog.

[00:20:48]>> What?

[00:20:49]>> The backlog during COVID the pandemic. I was still typing it all in, submitting it every week. And it took six months.

[00:20:58]So, I had absolutely no income. So, I was doing side jobs, making cash, just enough to pay bills.

[00:21:04]>> Yeah. Well, yes. And then probably if you're able to make enough just to pay bills, do more.

[00:21:08]>> His job. He still had his job.

[00:21:09]>> Why does it come down to him?

[00:21:10]>> $55,000 a year. And he didn't help me at all.

[00:21:15]>> And he should have, but the fact that he didn't, why does that alone define your entire life? Why weren't you able to do anything for 6 years?

[00:21:23]>> 6 years. I understand. 6 months of struggle. And he sounds like a >> Yeah, I know. It should have ended 6 years ago.

[00:21:27]>> And he sounds like a little [ __ ] And I'd beat the [ __ ] out of him if he was here. Okay, listen. He sounds like a horrible >> both, dude.

[00:21:34]>> He sounds like a horrible partner. I'm not opposed to that. But why the could you not take any accountability or do any thing for six years? And if you were able to like that make enough money to pay your bills, why couldn't you do a little more to make extra progress using the logic that you had, man?

[00:21:51]>> I don't know. It's like I'm I don't know. Maybe it was like vindictive.

[00:21:58]>> Yes. I will tell you exactly the real answer. By the way, when she was over there being a offensive little [ __ ] even though she wasn't saying the truth, she told Colton in the pre-in when she was less angry because they get you to spill the tea and beans and everything.

[00:22:13]She said she was basically retaliating.

[00:22:15]She was angry. So, she would overspend when he pissed you off.

[00:22:20]>> Yes, >> but it's my it's my money. I can do whatever the I want with it.

[00:22:31]her and accountability.

[00:22:32]>> I mean, that's how he set the relationship. Your money is your money.

[00:22:35]My money is my money.

[00:22:37]>> Her and accountability drowning in student loans with massive interest rates. I see it on the show all the time. People get a loan to advance their careers only to be left with skyhigh interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refinance your private student loans and they looked at your less than perfect credit score and hung up the phone. Maybe part of you even thought, "Yeah, that tracks. I guess I'm stuck. Stop it." You don't deserve to be buried in a highinterest loan for the rest of your life because you hit a rough patch. The banks aren't rejecting you because you're a lost cause. They're rejecting you because you're not profitable enough for them at a manageable rate. That's where Y Refi comes in. Why Refi works specifically with borrowers who can't get refinancing through traditional lenders. It's their whole thing. They refinance private student loans so you're only paying interest between.1% and 5.99%. and they legally cannot charge you more than that. They'll even customize your payments to get you out of debt at a pace that works for you. And if you need a co-borrower released from your loan, they've got a program for that, too.

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[00:23:49]That is y.com/hammer or call8 yrefi78. That is 888 yi78.

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[00:24:48]Link in the description below. miles apart. The moment I pull a previous quote from you, everything you just said, you threw out of the entire conversation, man. It's nothing. It's nothing. You've lost everything. You lost all credibility and any kind of accountability or blaming it all on him.

[00:25:05]My money, I spend it. Trash.

[00:25:09]No [ __ ] Great. So, I'm proud of you. So, your correction for all this is you just started an OAF and Fat Life, whatever the [ __ ] that even is. And then, oh, you got your first OF subscriber.

[00:25:22]>> Fetish Lifestyle.

[00:25:24]>> Hey, remind me never to get that if this is what's on it.

[00:25:28]Okay, so you got your first subscriber.

[00:25:29]Congratulations. Who's it from?

[00:25:31]>> I don't know. Some guy in another country.

[00:25:33]>> How do you find your account?

[00:25:35]>> From Tik Tok, actually.

[00:25:37]>> What are you posting on Tik Tok?

[00:25:39]>> Just basic stuff.

[00:25:40]>> What's the basic stuff? nothing to do with any of it.

[00:25:43]>> But you had like link in the description below.

[00:25:45]>> He like sent me a message and he asked me if I made custom content and I was like actually.

[00:25:50]>> So how much you don't even know how much you're spending on all these apps, all this [ __ ] to get all these people to pay for you. Why do you think you're going to Okay. Why do you think you're going to be successful in this? You got your first subscriber and you made $0 from the thousands you spent already.

[00:26:04]>> I haven't spent thousands.

[00:26:06]>> You You said you don't know how much you spent.

[00:26:08]>> Well, it's definitely not like a thousand.

[00:26:09]>> I don't know, man. If you got video equipment and all this [ __ ] video adds up. It's like tripods.

[00:26:16]>> That's video like a ring light, >> you know.

[00:26:21]And a strap on.

[00:26:23]>> Yes. Why do you think you're going to be successful in this?

[00:26:28]>> Uh because I thoroughly enjoy dominating men.

[00:26:31]>> Congratulations. I enjoy a lot of things. Doesn't mean I'm going to be successful in it. Why do you think you're going to be successful? Yeah, the industry is. Why do you think you're going to be successful as depression?

[00:26:39]>> It's about who you know. And >> who do you know?

[00:26:42]>> Uh well, I live in Vegas and they have the conventions and you know there's connections.

[00:26:50]>> You know, you can go to conventions whether or not you live there. But either way, sure. Continue.

[00:26:55]>> Well, I'm going to try and like mingle and smoo and you know, get to know people and >> Oh, wow. You have no business plan. Um, there's a uh there's a BDSM community and >> everywhere by the way.

[00:27:08]>> Right. Well, I >> LA, New York, Vegas, Boston, the four biggest in the country.

[00:27:13]>> I'm saying that in Vegas where I live, there's a BDSM community and then I'm involved in But I just started.

[00:27:18]>> You were not able to tell me why you think you were going to be successful.

[00:27:21]The only answer you had is I like it and I'm going to mingle. That's what everyone does in everything. You have nothing unique that is going to make you stick out that you're able to tell me about you being successful. Well, um I like doing the mommy kink stuff.

[00:27:34]>> Okay. You like that's not a reason.

[00:27:36]>> I'm good at it. But I'm also researching. I bought she's researching.

[00:27:40]>> I've listening to audio books. I've got equipment. I've paid for some um like master classes.

[00:27:55]>> Okay.

[00:27:56]Can I see what's in these maps of you getting these guys?

[00:28:00]>> I'm also a media guy while I'm there.

[00:28:01]There's a guy in Galveston. I'm meeting >> here. Texas is a big girl. That's like four and a half hours away.

[00:28:06]>> It's 3 hours.

[00:28:08]>> Galveston, I think, is a little further.

[00:28:10]>> It's 3 hours.

[00:28:11]>> He says whatever. It's not my problem.

[00:28:13]He's coming here.

[00:28:14]>> Oh, he's coming here. Okay. Uh, what are you making from this?

[00:28:18]>> Nothing.

[00:28:21]>> See, Colton had that as a little note.

[00:28:24]It's help her out as like she's actually making progress and then he just reacted when she said that as dude he just gave like a why' you just me that was the reaction Colton just gave because he set THAT UP AS A WAY TO help you against me.

[00:28:40]>> It's my first time doing it so it's practice >> practice sex. We need sex practice.

[00:28:47]You're 37. That blows my mind. 37.

[00:28:51]Nope. I mean yep. You look 37.

[00:28:54]Um, you're 37.

[00:28:56]>> I do not look 37.

[00:28:57]>> You're right. You do not look your age.

[00:29:00]>> OKAY. SO, WHY DO YOU NEED practice at 37 of sex?

[00:29:03]>> I've never done I've never done the the >> I haven't been feeding her sexual stuff this conversation. But I have to for a second cuz we have to learn unfortunately if she's giving this up for free. What are you guys doing?

[00:29:16]Uh, so he wants to call me mommy and he wants to suck on my nipple and fall asleep in my lap while I pet him and call him a good baby boy and that I love him.

[00:29:27]>> What is complicated about that to need to practice?

[00:29:30]>> Cuz you know like stage frightening person.

[00:29:33]>> What? He's laying on you and sucking your while you pet him and say good night.

[00:29:38]>> I don't know. I just I that's the one thing I'm having a hard time doing is asking for the money.

[00:29:43]>> Well, >> I know. which is like the whole point.

[00:29:45]>> Well, yeah, you're a [ __ ] >> Almost. Almost.

[00:29:49]>> Well, I know you're trying to get to be.

[00:29:51]Um. Uh-huh. Okay. Yeah. Let me see how you're doing these in the apps. Show me.

[00:29:57]Whatever the biggest used one is. Let's see how you're doing it all. And it's Android. I don't know how to start a screen recording. So, if you could for me, please. Thank you. Cuz you were bragging to Colton that you were tra talking to 50 guys at once right now.

[00:30:08]>> Yeah. On multiple apps. But you're a [ __ ] >> Not yet.

[00:30:16]>> You're not even able to ask for it, though.

[00:30:19]>> You're a failed.

[00:30:20]>> The point is you're supposed to >> I've never met a failed [ __ ] >> Thank you for giving me the first.

[00:30:27]Laugh through the pain, girl. It's not going to get you money any quicker. So, he's coming today.

[00:30:33]>> Tomorrow.

[00:30:33]>> And does he come from this?

[00:30:35]>> Well, I mean, I've got a chassity cage for him.

[00:30:40]teach their own man. I usually go into it just to Okay. What is this app?

[00:30:45]>> BD.

[00:30:45]>> BD. What is What is for for >> It's for uh BDSM.

[00:30:50]>> Okay. I don't think you connected to the Wifi.

[00:30:54]>> Do you want to see the chassity cage I brought for him?

[00:30:56]>> Not particularly. It hasn't been used.

[00:30:58]>> I'll show you anyway.

[00:30:59]>> It's unused. Can you confirm that it's unused, [ __ ] Is it used or not?

[00:31:08]Okay.

[00:31:09]>> See, look. His little weenie goes in here.

[00:31:11]>> Yeah. I mean, you do got lots of men on here, man. Um, it's surprising. You just You don't do much.

[00:31:17]>> This might be too big for you.

[00:31:18]>> You're not You're not running.

[00:31:22]You're not You're not like doing much though. Like, are we not closing the deal?

[00:31:30]Uh, okay.

[00:31:31]>> Touch it.

[00:31:32]>> Not until I know.

[00:31:36]Okay. Okay. So, this guy being edged and [ __ ] like that. I don't know. Oh my gosh. He's just a normal dude.

[00:31:42]>> Doesn't it Doesn't that look >> What the He's an attractive normal dude.

[00:31:45]>> I know. I told you.

[00:31:47]>> What the is he doing?

[00:31:48]>> I told you you >> Well, yeah. What is he doing?

[00:31:56]>> Wow. There is someone for everyone, ladies and gentlemen. So, this actually I want to extra confirm for you insult.

[00:32:02]She's on the other crazy side of the the section. But on the male crazy side, incel losers, >> this is proving that anyone can get anyone.

[00:32:14]>> Look, it's only been used a couple times.

[00:32:17]>> Oh, for sake, bro. I also enjoy using my mouth.

[00:32:25]I guess we'll have TO TEST THAT.

[00:32:30]LET'S SAY WE GO back to a hotel room.

[00:32:32]Get on my knees from you.

[00:32:37]Bro, he is typing. You're able to get hot men.

[00:32:42]>> I told you.

[00:32:45]Calling me ugly and a liar. Oh, I also have >> crazy words.

[00:32:49]>> I also have uh something for your girlfriend.

[00:32:51]>> You're a collector.

[00:32:52]>> I have something for your girlfriend.

[00:32:54]>> I certainly will not be giving it to her. What is it? collar for you.

[00:32:59]>> Oh my goodness. You do not know what we're into.

[00:33:02]>> See?

[00:33:03]>> Okay. This is disgusting. This is disgusting.

[00:33:05]>> Caller and a leash.

[00:33:06]>> Okay. So, if this is what you're trying to do and make money off of your place, if this is what you're trying to do and make money off of, what aren't we doing here? Because you've made zero dollars.

[00:33:15]You're investing money into it. You're horning yourself out. You're going to get aids. Like, what are we doing?

[00:33:24]What is the game plan here? Cuz it's not working. be accountant by day and dominate your credit.

[00:33:29]>> So So you want to be the accountant by day >> to confirm. Okay, good. Cuz that will actually at least keep money coming in.

[00:33:36]>> Well, yeah. I'm not dumb.

[00:33:38]>> Could have fooled me.

[00:33:40]>> Come on. Your accountability [ __ ] was insane.

[00:33:43]And I still feel like you'll never be able to accept account. If you're like this at 37, you're broken. You're never going to get anywhere. So you live on your own now. How long have you lived on your own?

[00:33:54]>> I don't live on my own. And I live with my best friend and her husband.

[00:33:57]>> Oh my goodness. Pathetic. Okay.

[00:33:59]>> Rentree.

[00:34:00]>> Extra pathetic then. So, let's figure this out. So, we know what came in. It was 4,18, which is less than you said. But, you know, every month's a little different.

[00:34:10]Depends how many Fridays there are.

[00:34:12]Regardless, what did you spend that month that you made 4,100 last month while you lived rentree?

[00:34:18]>> Groceries, >> money, number.

[00:34:23]How much did you spend? What was your outflow?

[00:34:25]>> All of it.

[00:34:26]>> Okay. All of it. Sure. Give me a dollar amount, you dumbass.

[00:34:30]>> Sure. Okay. So, 4100.

[00:34:33]>> Very good. 6,626. So, you live rentree.

[00:34:37]That's not him. That's not his fault.

[00:34:38]That's You don't have accountability.

[00:34:40]You're a degenerate.

[00:34:43]>> Yeah.

[00:34:45]>> Yeah.

[00:34:45]>> Yeah.

[00:34:46]>> You're a bad person. You try to put all the blame on him, yet you can't do anything to save your own life. This isn't going to pay off your debt. You make more money than you're going to ramp that up to 8,000 spent. It's pathetic. You're pathetic. You think you're yourself as dam mommy. No, you're submissive to the world. You're pathetic. You're nothing. You're nothing to society. You are the bottom.

[00:35:12]>> You are a taker. Like 10 years ago, I would have been like middle class.

[00:35:17]>> Now you would be middle class. You have an incredible income and you pay zero for the roof over your head. You're a failure. You're pathetic.

[00:35:24]>> Participate in the uh utility bills.

[00:35:26]>> You're pathetic.

[00:35:27]>> And for the groceries.

[00:35:28]>> Pathetic.

[00:35:30]>> No, I'm not.

[00:35:30]>> Yes, you are.

[00:35:31]>> No, I'm not.

[00:35:32]>> You blame everything on him. Then you get just a few little bills, yet you spend 2,000 more than you make. You're >> have a few little bills.

[00:35:39]>> A few in terms of actually like the roof over your head.

[00:35:42]Yes. So, you are pathetic.

[00:35:46]>> I'm giving myself the life that eventually I will be able to afford.

[00:35:50]>> Make that make sense, please.

[00:35:52]>> I'm living the life that I eventually will be able to afford.

[00:35:55]>> How are you going to afford it? The friend you're living with, her husband wants you out in June. That's a couple months from now. How you going to be afford? You got to afford that now. You can't even afford living for free right now. So, how you affording that in the future? Make that make sense for me, please. Well, I mean, so my sister is going to help me online stuff.

[00:36:12]>> She's sad, pathetic. When next time someone like her comes to you and she's like, I'm hot and it's all my ex's fault and all this stuff, do not listen to them. Do not listen to them. [ __ ] punch them in the face. She's a pathetic [ __ ] >> She's going to be my media marketer and she's going to be helping me post content on only >> What the is wrong with you? What is wrong? Post your You loser.

[00:36:37]>> I don't have time.

[00:36:39]>> What? You have nothing but time?

[00:36:41]>> No, I don't. I also run a guild for the Renaissance Festival.

[00:36:45]>> Do you get paid for this?

[00:36:46]>> No, that's all volunteer work.

[00:36:48]>> Then stop.

[00:36:48]>> It's a hobby.

[00:36:49]>> I don't care.

[00:36:50]>> It brings me joy.

[00:36:51]>> I don't give a [ __ ] >> I don't give a [ __ ] about your opinion.

[00:36:54]>> Then why are you on the show where it's only me giving my opinion?

[00:36:58]>> Start from scratch.

[00:36:59]>> Okay, starting from scratch. I'm going to get you there. Keep all the money and post it yourself.

[00:37:04]>> Well, I'm not paying my sister. What?

[00:37:06]She's just going to do it for free.

[00:37:07]>> Yeah.

[00:37:07]>> For everything?

[00:37:08]>> Yeah.

[00:37:08]>> And you're never going to learn the skills yourself.

[00:37:11]>> So she's going to see your all that good stuff.

[00:37:14]>> Well, she's my sister.

[00:37:15]>> Sisters look at each other's clits.

[00:37:17]>> I mean, if I have an ingrown hair, she helps me.

[00:37:23]>> Okay. I'm getting like a from Lindsay, so Okay, I'll accept it. Um Oh, she says it's weird. Never mind.

[00:37:31]Okay. Yeah, it's weird.

[00:37:33]I don't know how >> we do have a very unique relationship.

[00:37:36]>> Yeah. Incest. How much time is being spent on this biking stuff?

[00:37:40]>> It's not a lot. A lot. Because I also teach sewing classes, >> bro. You just figure out your [ __ ] Do you want hobbies or do you want career?

[00:37:48]I mean, sex work itself. I mean, >> can I have both?

[00:37:50]>> No, not really. When you're when you're not making you are making enough, you're just spending way more. But you're saying you're trying to prepare for this lifestyle you're going to live. I I'm still confused. How are you going to survive in June? Well, I'm we decided I'm not moving out in June because apartment prices go up in summer.

[00:38:06]>> Who's we? Cuz I don't think the husband agrees.

[00:38:09]>> Well, >> he wants you out in June.

[00:38:12]>> He wants you out in June.

[00:38:13]>> His wife convinced him that it's not a good idea.

[00:38:15]>> Okay, fine. July, what are you going to do? September, what are you going to do?

[00:38:19]You're pathetic.

[00:38:20]>> What am I going to do?

[00:38:21]>> You're a leech.

[00:38:22]>> I can.

[00:38:23]>> The apartment prices go up. No [ __ ] But you make literally good money. I'm going to get an apartment with my sister who doesn't have a job.

[00:38:30]>> Oh my gosh. You're never going to You're never going to You think you're a strong independent woman? No. You're pathetic.

[00:38:38]Broken individual.

[00:38:39]>> Well, I took care of my mom since I was 19.

[00:38:43]>> I don't give a Do you know how hard it is to pay for utility bills and be the only person doing it with making $10.30 30 cents an hour >> and she didn't have health insurance and I had to pay for all of her doctor's appointments.

[00:38:58]>> That part I do not know. I can't relate to that one. I can relate to all the other ones.

[00:39:02]>> And we were in the middle of uh getting her approved for social security disability.

[00:39:06]>> Uh-huh. How old is she?

[00:39:07]>> She's 72.

[00:39:08]>> Okay. Okay. Well, she already has Medicare.

[00:39:14]>> She didn't have Medicare at the time.

[00:39:15]>> What? What are you talking about?

[00:39:17]>> SSDI. You have to get >> I know that.

[00:39:19]>> Yeah, you have to get approved.

[00:39:21]>> But she's on the age for Medicare. She wasn't at the time. How >> it was was she was 64, >> which is pretty much there. What What is it? 66. Okay. So, like a couple years.

[00:39:31]>> Either way, she could have gone on it earlier anyway.

[00:39:33]>> No, you have to be approved. You have to have a disability.

[00:39:36]>> What did she do?

[00:39:37]>> She's got fibromyalgia.

[00:39:38]>> And she wasn't.

[00:39:40]>> They didn't approve her.

[00:39:42]>> No, you have to have all this paper trail with doctor's appointments.

[00:39:45]>> Mhm.

[00:39:46]>> And have a pain history.

[00:39:48]>> Okay. So, two years of that. And this was decade like over a decade ago. So what's the what's the excuse for the last 10 years >> that I lived with a drunk of a boyfriend?

[00:39:58]>> Okay. So again, none of it's your fault.

[00:39:59]Like you can make a victim thing from about 10 15 years ago. Like yes, that sucks.

[00:40:04]>> That that sucks. That sucks. Okay, but what about you and your life and everything you're doing literally right now spending more money than you make again? You are literally trying to play victim from something that happened.

[00:40:13]Like you're having fun. That doesn't matter.

[00:40:15]>> I'm having so much fun.

[00:40:16]>> Okay, then what are you trying to do?

[00:40:17]Why are you here?

[00:40:20]Yeah, go yourself then. I'm not going to talk to someone that doesn't actually want to improve their life.

[00:40:24]>> I do. I do want to >> But you're having so much fun. That's all you care about.

[00:40:27]>> Well, I haven't had joy in like like 6 years, actually.

[00:40:33]>> Okay. Have joy and also spend less than you make.

[00:40:38]>> You have no overhead. Barely.

[00:40:41]Shut the up.

[00:40:45]>> That's funny.

[00:40:46]>> Yeah. I got to laugh. I got to You don't. You actually just have to spend less than you make. I know it takes a lot to store you, but you're getting that storage for free right now.

[00:40:58]>> I don't know. You create a hurricane every time you move your arm. Things are flying around.

[00:41:04]>> You don't like my dress?

[00:41:06]>> Absolutely not.

[00:41:07]>> I'm sure they like my dress.

[00:41:09]>> No, but you do get the couple freaks on there you've approved of with your phone in them. Honestly, blows my mind. So, what are we trying to do? So, you're going to have to pay for your sister.

[00:41:18]You want to replace that again? You want to replace your mom situation? You're going to have to pay for your sister in a few months. She has no job. You want to support another deadbeat? You want to go dead beat to deadbeat to deadbeat?

[00:41:30]>> Dang. When you say it like that, >> well, yeah.

[00:41:33]>> No, I love my sister. She's [ __ ] great.

[00:41:36]>> Support me. She's going to be doing a job.

[00:41:38]>> She's going to be doing free work.

[00:41:39]>> You make nothing off this. You have one subscriber. This is not marketing manager. You're just posting videos.

[00:41:44]Just post videos. schedule a sprout, dude.

[00:41:46]>> I like it's hard, man.

[00:41:47]>> No, it's not. It's literally not. It's literally the easiest thing you could ever do.

[00:41:52]>> I'm struggling so many apps.

[00:41:54]>> Then you need to stop. Then you cannot handle it.

[00:41:57]>> I'm having so much fun.

[00:41:59]>> Then choose it over the Renaissance [ __ ] and sewing. You have to make choices now.

[00:42:04]>> No, that's prior commitment. That involves other people.

[00:42:06]>> Then stop this. You only have so much time. Your sister does nothing. That is not going to pay the bills when you guys are together.

[00:42:12]>> Eventually it could. No, eventually it could. Heavy on the could. Heavy on the could.

[00:42:18]>> You know what that? Eventually it will.

[00:42:21]>> That's not how this works.

[00:42:22]>> Eventually it will. I'm manifesting my destiny.

[00:42:24]>> That's not how this works. It's the actual work and you don't even know what it takes to get there. You're just hoping your sister will do it for you.

[00:42:30]And she's a loser. She's a loser. She's not going to bring any skills to it.

[00:42:35]>> Well, she's taking care of our mom right now.

[00:42:37]>> That's why she doesn't have a job.

[00:42:39]>> Well, she can't get a job.

[00:42:40]>> Why?

[00:42:41]>> She's going to school. for >> marketing.

[00:42:44]>> Why doesn't she have a job?

[00:42:46]>> Marketing. I don't know.

[00:42:47]>> Your sister's a loser. Okay, good. Oh my goodness. I swear we ended up to the I have I have a hypothesis.

[00:42:54]Generational wealth.

[00:42:56]>> Shut the [ __ ] up. I have a hypothesis.

[00:42:57]You say no. Then you explain it and then it confirms my hypothesis every time.

[00:43:01]Every time in this conversation so far.

[00:43:03]>> I don't agree.

[00:43:05]>> Okay. Okay.

[00:43:06]>> Wonderful. That doesn't change reality.

[00:43:07]I I don't understand. That means nothing.

[00:43:11]>> Okay. Listen, what do you think your hammer financial score is? What? When you moved out, you cashed out your entire Roth IRA, buddy, you're already approaching 40. Your cash out your Roth IRA. Why? You moved into a place that doesn't have any overhead. Why'd you cash out your Roth IRA even with all this debt now?

[00:43:30]>> Okay, so here's how someone else's problem.

[00:43:33]>> The original plan was I was going to move it into my new 401k at my job.

[00:43:37]>> What? Your Roth IRA into your 401k?

[00:43:40]>> Yeah.

[00:43:42]I was going to take all the It wasn't making any money.

[00:43:45]>> That's is because you didn't choose an investment vehicle probably. Oh my gosh.

[00:43:49]Oh. Oh. Oh, you suck. Okay, continue.

[00:43:52]>> Don't really know anything about investments.

[00:43:53]>> Doesn't matter. That's is that's that's not even a lack of knowledge. That's >> And then my boyfriend at the time convinced me to use some of that money to fix up the truck that I had.

[00:44:07]So, I spent probably a total of 8,000 last year fixing up that truck.

[00:44:17]>> What's the current status of this truck?

[00:44:19]>> Oh, uh, my sister borrowed it for a couple weeks and then she got into a car accident.

[00:44:25]>> Did you have gap insurance or anything?

[00:44:27]>> It's a 1998.

[00:44:29]>> Did What did you What did you have on it, if anything?

[00:44:32]>> Yeah, there's car insurance.

[00:44:33]>> Okay. Did you get anything? I'm in the middle of getting that worked out.

[00:44:38]>> When was it?

[00:44:39]>> Halloween.

[00:44:40]>> You're in the middle of getting it worked out still?

[00:44:42]>> Yeah. Yeah. Interesting.

[00:44:44]>> What's the current status?

[00:44:45]>> Um, so I submitted the uh the quote that I got from the body shop and the mechanic to the other people's insurance. She got into a fender bender in the front and the back.

[00:44:58]>> Is it drivable?

[00:44:59]>> Yeah.

[00:45:00]>> What's the issue then?

[00:45:01]>> The back hatch doesn't open.

[00:45:03]>> Okay. What's the issue? The headlights are pushing into the radiator.

[00:45:07]>> Okay, there you go. Um, yeah, that makes that's that's that's more Okay, so well, where' the other five go of the Roth IRA that you pulled out?

[00:45:19]Well, taxes, fees, [ __ ] like that, probably.

[00:45:22]>> I didn't pay taxes on it.

[00:45:24]>> No, I don't think that's possible. I think that's automatic. I think the I think I think it holds it for you. What?

[00:45:32]No. If I told >> Have you filed this year yet?

[00:45:35]>> No.

[00:45:36]>> And have you filed an extension?

[00:45:38]>> No.

[00:45:38]>> You just skipped the filing date, which was >> Yeah.

[00:45:40]>> Yesterday.

[00:45:41]>> Yeah. I'll just do it next year.

[00:45:44]>> No, you owe money to the government.

[00:45:46]Listen, sometimes, you know, when the government owes people money, they don't freak out when you don't file on time.

[00:45:54]But when you owe the government money, they're not very happy. And you'll probably owe the government money with pulling out with pulling out from that Roth IRA.

[00:46:04]>> Yeah, I'll deal with it later.

[00:46:06]>> Do you know how much you owe? You know what your tax situ You haven't even gone through Turbo Tax without filing just to see what you do?

[00:46:12]>> No.

[00:46:13]>> So, what's the plan? Just >> kick the can down the road. That's it.

[00:46:16]That's the entire strategy.

[00:46:18]>> Uh like hope that I have enough money by next year filing. Hope if you actually start making your money from the show, you're going to have to do quarterly estimated payments as a contractor, as an independent business.

[00:46:29]>> Yeah. 1099 stuff.

[00:46:30]>> Yes. And you're going to have to pay all the taxes. There's no employer to take care of your portion of the payroll taxes.

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[00:47:30]That's kind ofing stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money. We like free money. You can get up to $200 in bonus cash right now when you sign up for the checking account that I use. Chime.

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[00:47:58]>> Yeah, I'm an accountant. I know that much.

[00:48:00]>> Uh-huh. You know that much, but you didn't file your own taxes.

[00:48:05]>> You don't have to file every year.

[00:48:07]>> What?

[00:48:07]>> You can backfile.

[00:48:09]>> Okay. Are you going to backfile?

[00:48:10]>> Yeah. Next year.

[00:48:11]>> Okay. With a penalty.

[00:48:13]>> Yeah.

[00:48:14]>> From what you already owe.

[00:48:15]>> That's my plan. Dude, you are so man.

[00:48:18]Okay. And you think selling your farts is is what's going to make up for this?

[00:48:22]>> That sounds really great.

[00:48:24]>> You are not Amranth.

[00:48:26]>> I don't know who that is.

[00:48:27]>> The one who basically invented selling farts.

[00:48:30]>> Okay.

[00:48:34]>> You don't even study the industry you're trying to do.

[00:48:38]What do you think your financial score is? 0 to 10. Zero being the worst. 10 being is the 10 being the best.

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[00:49:48]>> I hate cooking. So, we'll see.

[00:49:50]>> Yes, I know that. I will see lots of going out to eat in here. I know for a fact there's no way you didn't spend that much money and you didn't go out to eat a lot.

[00:49:59]>> 500 bucks. Miscellaneous [ __ ] It's a crazy one. 1,500.

[00:50:04]>> What?

[00:50:04]>> Miscellaneous [ __ ] It's just anything else that you just do not need.

[00:50:08]doesn't benefit life at all other than dopamine hits.

[00:50:11]>> Yeah, dopamine hits.

[00:50:14]>> So, I recently stopped drinking caffeine because I found out that um >> No, you're literally drinking caffeine right over there.

[00:50:21]>> Well, I mean like coffee.

[00:50:23]>> That's >> I was drinking like three cups of coffee a day.

[00:50:27]>> You're You are drinking caffeine.

[00:50:30]Doesn't matter the source.

[00:50:31]>> Caffeine in it.

[00:50:31]>> Yes.

[00:50:32]>> Doesn't have sugar in it.

[00:50:33]>> Two of those is equivalent to about an 8 oz cup of coffee.

[00:50:37]You think sugar is caffeine?

[00:50:41]>> Do you think sugar is caffeine?

[00:50:43]>> No, I know sugar isn't caffeine.

[00:50:45]>> You just said, "But I said there's caffeine in this, but there's no sugar."

[00:50:49]>> You're okay. So, you didn't stop drinking caffeine. But what was your point?

[00:50:53]>> Well, if I drink less caffeine, then my uh anti-depressants work better.

[00:50:59]>> Okay.

[00:51:01]What does it have to do with what?

[00:51:03]>> Dopamine hits. Your behavior certainly hasn't changed.

[00:51:06]>> Having uh no routine for sure, no self-discipline.

[00:51:11]That's why I'm going into >> Girl, you already got enough. Trust me.

[00:51:15]That that isn't doing anything. It was It was already there. It's You're fine.

[00:51:20]But you're going to be dead before this car this card payment is paid off.

[00:51:24]>> The car payment?

[00:51:25]>> Yeah, this card payment. The card Southwest Rapid Rewards >> $13,1428.

[00:51:32]Minimum monthly payment $423.

[00:51:36]You're morbidly obese, almost at 40.

[00:51:39]You're not going to live to the 24 years this is going to take to pay off. You're never going to get to the other side of it.

[00:51:46]Your life expectancy range is usually within the next decade or so.

[00:51:50]>> I'm actually really healthy.

[00:51:52]>> No. No.

[00:51:53]>> I've done all of my blood work recently and it all came back normal and >> I'm very healthy.

[00:51:58]>> Okay. Will you stand on a scale right now?

[00:52:00]>> You No. Then you can't tell me you're healthy.

[00:52:02]>> My blood work says otherwise.

[00:52:04]>> Okay. Will you do your blood pressure right now?

[00:52:06]>> My blood pressure?

[00:52:07]>> Yeah, >> sure.

[00:52:08]>> Okay. Can we have it?

[00:52:12]Let's see.

[00:52:14]I mean, maybe you are. Maybe you've gotten lucky right now cuz obesity itself isn't the health concern, but it is the leading cause for many of the things that cause death. heart disease, high blood pressure, heart attacks, diabetes, all that good stuff.

[00:52:30]>> Right. But I'm not getting on that stupid like that weight loss shot.

[00:52:35]>> Okay. You don't have to just eat less calories than you make. I don't know.

[00:52:38]What do you want?

[00:52:38]>> I do eat less calories.

[00:52:40]>> No, you don't.

[00:52:41]>> I But I sit all day.

[00:52:43]>> No, it doesn't matter. Other than your baseline. If you consume less calories than your baseline, you will not gain weight. You will lose weight. You can't tell me that.

[00:52:53]>> Well, then you have to count calories.

[00:52:57]>> Yes, that a pathetic [ __ ] Listen, maybe you are healthy. I don't know. But it's just like here's the thing. While that's going, it's not that I really give a [ __ ] about your weight. We're not I don't want to. It's not even a thing.

[00:53:12]That's not what matters. People always think I'm just digging into the weight to dig into the weight. One, again, you will not live by the end of this car being paid off. But two, more importantly, what is the point? And I don't bring this enough in the episodes.

[00:53:23]What is the point of the immense sacrifice that is required from after this conversation if you don't get to live to enjoy the benefits of the other side of the immense immense work. So there's that part of the obesity conversation. There's two the the health is expensive. It's going to be you have less energy to make more money. There is less it is more health complications that are expensive.

[00:53:51]Okay. No, you're about 150 over 90. What is that what it was?

[00:53:56]>> 144 over 87.

[00:53:58]>> Okay. So, uh 144 over 87.

[00:54:02]So, no, but it's not an emergency, but it's not necessarily defined as healthy.

[00:54:10]I might be able to use the excuse that this is a stressful conversation, and that is true. But you are hypertension stage one for your systolic.

[00:54:18]Not diastolic. Okay.

[00:54:23]Okay.

[00:54:24]>> Okay.

[00:54:24]>> But you told me you're healthy.

[00:54:26]>> Yeah.

[00:54:26]>> Your blood pressure is not.

[00:54:28]>> Well, that's because I'm here.

[00:54:30]>> But also, you are morbidly obese.

[00:54:32]>> Not morbidly obese.

[00:54:36]>> Prove it.

[00:54:37]>> Prove it?

[00:54:38]>> Yes.

[00:54:38]>> How the am I supposed to prove that?

[00:54:40]>> You step on the scale.

[00:54:42]>> I'm 260.

[00:54:43]>> Step on the scale, then.

[00:54:47]Okay, cool. She consented.

[00:54:51]Mark, Mark, the holder of the scale. Listen, again, I do not give a [ __ ] if you are specifically. But if you're going to come on here and give me >> I don't understand how this has anything to do with that.

[00:55:04]>> I just answered that twice. Did you not listen? I gave you two very critical points. One, what is the point of you sacrificing the immense amount of very uncomfortable sacrifice that is required from this conversation if you're not going to live long enough to actually enjoy the sacrifices? And two, being morbidly obese is health complications, which is expensive, which is debt, which is one of the leading causes of bankruptcy in this country, and less energy to do work. So many of your life goals, many of the things that are required are actually impactful in this conversation. So, it's not just making fun of you for your weight, even though I'll do that on its own, but it's not just that, but also more than anything, I don't let lies pass on this show. And if you sit there and YOU TELL ME I AM HEALTHY, I will not allow that.

[00:55:53]So, would I have asked the blood pressure or weight if she didn't say she was healthy? No.

[00:55:59]But I'm not going to allow people to [ __ ] me on this show.

[00:56:03]And also it's Caleb Spring and also it's whatever the we could do whatever the we want on the show. It's a fun show. It's a good show and also she consented to it and it's not against her no list. Her things on her no list. I will not tell you what's on her no list as she said before, but we're not doing them because I respect all boundaries.

[00:56:19]>> I weigh less than >> Good. What's your weight?

[00:56:24]>> 243.

[00:56:26]You >> No, that's good. I don't want you to be unhealthy.

[00:56:31]Oh, I can't.

[00:56:31]>> How tall are you?

[00:56:32]>> 5'6.

[00:56:33]>> So, that's the point.

[00:56:36]>> And because people will cry victim for you a lot on the show, was this on your no- no list before?

[00:56:41]>> No.

[00:56:42]>> So, your BMI is 39.2.

[00:56:45]What is it? 39.2. Oh, okay. So, you are morbidly obese.

[00:56:51]Oh, no. You are one pound away from morbidly obese.

[00:56:57]You're obesity class, too. You're not overweight. You're not obese. your obesity class 2, but you're almost obesity class 3, which would be morbidly overweight one lb. So, take a sip and you'll get there.

[00:57:09]Okay. So, what's going on with this card? Cuz again, you will not live was the reason this conversation started to the end of this 23 years statistically.

[00:57:18]Maybe you'll beat the odds, but even still, what's going on with this card? So, I got that card when it took uh a month for me to find a job the first time I got fired.

[00:57:31]>> Oh, here she goes with the whole victim [ __ ] No, what's going on with it? You literally spent more money than you put on it with the interest of crewing, making the balance go up. This isn't about you losing a job in COVID 6 years ago. What is going on with this card now? Oh my gosh. Why do people like you position yourself as victims? plane flights and uh for cashback stuff and uh you know whenever I need >> shield storage $130 a month.

[00:57:53]>> Yeah, I have a storage unit.

[00:57:55]>> Get rid of your [ __ ] Who cares?

[00:57:57]>> I just moved out of my ex's place. Sell it all. It doesn't matter. It's stuff.

[00:58:02]It's stuff. It doesn't matter.

[00:58:05]>> You're putting it on an interest acrewing card that is going up in balance, >> dude. almost $4,000 of interest just last year.

[00:58:16]Get cutotalon.

[00:58:20]It's an app. Get kudo talon.

[00:58:23]>> What?

[00:58:25]You can read it. It's the second line, Adam. And then you also were paying for Tik Tok. What the? And then two Starbucks orders. So what do you get for Starbucks at $30? $30 a pop. But either way.

[00:58:35]>> Oh, that's a reload.

[00:58:37]>> Reload what?

[00:58:38]>> My Starbucks gift card.

[00:58:40]>> Okay. Okay, but the second line item on there some kind of app. It says >> I have no idea.

[00:58:47]>> Oh my Oh my You are broken. Thousands in interest. Obviously fees, but I think this is annual fees. Insane. Insane.

[00:58:56]That alone is insane. That balance is crazy. I need to be clear. I need to be clear cuz I know I yell at everything.

[00:59:03]That is insane. A balance of $13,000 is insane that you were only going up. And no, it's not cuz you were laid off 6 years ago for 6 months. No accountability freak. So Quicksilver, what's going on with this? Well, when I got laid off 6 years ago and took care of my mom 14 years ago.

[00:59:19]>> Quicksilver, I use it for uh like gas and fixing up my car, like oil changes, >> which by the way, on the accountability thing, you blamed it on your boyfriend talking you into doing it. You know, you had the choice to say no.

[00:59:35]You're past that magical, WHAT IS IT, 26-YEAR-OLD FRONTAL cortex for every woman age. YOU'RE FINALLY AN ADULT. YOU CAN ACTUALLY MAKE INFORMED decisions for the first time in your life.

[00:59:47]Like, you still could have said no.

[00:59:49]>> Have you ever been in an abusive relationship?

[00:59:52]>> Okay. You never said abusive.

[00:59:54]>> It's an emotionally abusive relationship.

[00:59:56]>> Okay. Well, now it's immediate. Okay.

[00:59:58]You went from abusive to emotionally abusive. It is different, but it is still bad to be clear. But also, you never said that in this conversation.

[01:00:04]You said he was a drunk and a failure and didn't take care of you. That is different than emotionally abusive.

[01:00:11]Which also, unfortunately, I do not.

[01:00:15]If you said that at the beginning, I would have believed you. Unfortunately, I have to let you know why I don't believe you. Because one, an hour in and we've talked about him so many times, you not brought that up once. That wasn't on a no no list either. Two, neither is it in my notes. Three. Um, every single time you get called out on something, you try to find an excuse of why it's not your fault. So now after calling you out for an hour, you pull that out of your ass for the first time.

[01:00:42]You've made it impossible. I just assume girl who cries what that meant. If he's a drunk and drunk, he's a piece of [ __ ] And >> you said he was a piece of [ __ ] by not taking care of you.

[01:00:52]>> Yeah. By not not being a good partner.

[01:00:55]Not taking care of. Being a good partner could be a lot of things to me when I'm when I'm down and out and like I need help.

[01:01:00]>> That's different than emotional abuse.

[01:01:02]>> Emotional abuse is constantly getting drunk and yelling at me and punching holes in the walls. He didn't say that up until 1:00 a.m. on a Wednesday to have his argument made.

[01:01:13]>> You didn't say that.

[01:01:14]>> Well, I'm saying it now.

[01:01:15]>> Well, also you're the girl who has cried wolf and I'm so sorry. I want to believe >> [ __ ] about your opinion. Call him.

[01:01:21]>> Clearly you do. Clearly you do cuz you're on this show.

[01:01:24]>> Maybe I will in the post show. But we'll see.

[01:01:27]But I don't know what you do. You're on the show. Care, okay? And it just it just matters. You don't have to care if I think it, but you should care why I think it because others might end up thinking it in life when you're the girl who cries a wolf. You don't want to be that person. It makes it impossible to believe anything you say.

[01:01:47]That's not good. You don't want to be in that position.

[01:01:51]Okay. So, if if that is actually a real thing that happened, I am horribly sorry and I'm just going to believe it did.

[01:01:57]But I'm having a very hard time believing.

[01:02:00]>> I don't really care what happened.

[01:02:01]>> I know. I know. I know. Yes, that's your cope. That's what you say. Obviously, you do, but yes, that's an easy cope to say when you hear something you don't like. $8,66029 on your Quicksilver One card. Well, unfortunately, it is past due.

[01:02:19]Why possibly is it past due? So, I was making weekly payments.

[01:02:25]>> Why? Okay. Okay.

[01:02:27]>> And I switched it to automatic payments.

[01:02:30]>> Okay. I but so what it is is I have it set up in my bank account that my bank account sends them weekly checks in the mail >> and then I I stopped that and then I forgot to set it to automatic pay and I said I didn't know that it's it I had to wait a month. I had to like manually pay it for one month.

[01:02:54]>> If you were the auto pay, it would pay, >> right? But I have to like manually pay it after I stopped paying with the through my checking account.

[01:03:04]>> Okay. Okay. Sure. Maybe I got a little hard to fully believe that story, but of course fees and interest.

[01:03:13]Okay. Let's see if that actually lines up with reality.

[01:03:16]Okay, it didn't. You had uh uh three late fees last year. So no, it wasn't a one-mon thing.

[01:03:24]Clocked it. You're die in Minecraft.

[01:03:32]It's just like, dude, you can't tell me that. I mean, you had you've had multiple late fees. It wasn't one month because you it all >> just on this one. Just on this one, silly goose. Yes. Okay.

[01:03:48]>> Oh, no. The excuses have stopped. There it is. There's the reality. Okay. She just doesn't do it because she's not responsible. She doesn't budget. Use dollar-wise. Stop. I'm so >> I don't I don't budget. My friends have tried to get me on budgets for years.

[01:04:01]>> Well, allow this to be your chance. Take our budgeting class as well that comes in the master money program. You get it all for free for the rest of your life.

[01:04:08]>> kepar.com.

[01:04:09]>> I'll try it out.

[01:04:11]>> Please do. I mean, literally what I think like 30,000 people have taken our courses.

[01:04:15]>> It's not like I'm not interested in trying to find a method that'll work for me and that like I'll actually, you know, stick to a plan and stick to a routine. I mean, that's what I want.

[01:04:25]>> I want like Cinear and SAG pay.

[01:04:30]>> Oh [ __ ] I forgot about Cinear.

[01:04:34]>> You forgot about Cinear.

[01:04:35]>> So, my ex and I went to movies all the time.

[01:04:38]>> So, I started date activity. I started paying for cineark because >> oh my >> it gave you on this card that is basically maxed out that you are not ever paying on time my entire life. What are you doing? I just don't understand why you don't care. It seems like you don't care.

[01:04:56]>> There's so many things there's so many like automatic payment things that I forgot to cancel. Like >> just close the card and then nothing will happen. He has my Netflix account, my uh Hulu account, my uh Crunchyroll account, my HBO Max account, my Amazon Prime.

[01:05:13]>> You just cancel the card. You can't have access to it anyway.

[01:05:16]>> Cancel the card.

[01:05:17]>> Close. You can close it. Yes.

[01:05:18]>> I didn't know you could do that.

[01:05:19]>> Close it. So, you can't charge on it and then these things will just stop charging. But you can't be trusted to have debt.

[01:05:25]>> You can't You don't You don't You don't have the behavior for it. You're not a credit card person.

[01:05:29]>> Yeah. No, I I >> Well, there you go. I've never had I didn't have credit cards until I was like 23.

[01:05:34]>> Well, realize it then. Close them. Take away the the weapons that are harming you.

[01:05:39]>> I did. I wanted to bring all my credit cards on the show so I could cut them up in front of you.

[01:05:43]>> Okay. Well, I don't even need that. Just close them cuz you can just order another one if you cut them up. So, yeah, it's a >> it was about good visual moment, I guess.

[01:05:51]>> Symbolism.

[01:05:52]>> Sure.

[01:05:54]>> Okay. USAA. What's going on with this?

[01:05:56]>> That's a new card.

[01:05:58]>> New? Why? So, you couldn't manage the other one. So, you open another one. It has the same basically the same balance as the last one. It's a new card.

[01:06:04]$8,140.96.

[01:06:06]What's going on? $148 minimum monthly payment.

[01:06:10]What's going on?

[01:06:15]Hello.

[01:06:16]>> I don't know. Look at what's on there.

[01:06:18]>> I'm trying to have you diagnose before I look so I can see if you have any reasonable understanding of what's happening in your life. That's why I asked that for every single guest. What is going on in this card, [ __ ] >> Uh, buying things, paying things.

[01:06:32]>> Oh, you're pathetic. One, you're over the credit limit.

[01:06:36]>> One, you're over the credit limit. So, I was hoping you knew that, but of course you don't. Failure over by $140.96.

[01:06:43]Minimum monthly payment of $148. Takes basically 30 years to pay off. You will not be with us.

[01:06:51]I hope you are. Maybe you'll beat the odds.

[01:06:54]>> You live to be 70.

[01:06:55]>> No. How many morbidly obese people do you see at 70?

[01:06:59]>> Uh, all the people where my mom live >> are morbidly obese?

[01:07:03]>> Uh, mostly. Yeah.

[01:07:05]>> At 70.

[01:07:06]>> Uhhuh.

[01:07:07]>> They're the lucky ones that made it.

[01:07:08]>> I don't know. They look a little rough.

[01:07:10]>> Well, they shouldn't be at 70.

[01:07:14]>> Yeah, that's kind of the point, right?

[01:07:17]>> I want you to.

[01:07:19]>> I want you.

[01:07:19]>> I want to.

[01:07:20]>> But that's the thing with your fast food and miscellaneous [ __ ] spending on here. That's why I'm here. There it is.

[01:07:25]Ding ding ding. With the fast food spending and with the miscellaneous [ __ ] spending you do. The thing is, not only would a budget help you financially, it would help you healthwise.

[01:07:36]You get more healthy, live longer, have higher energy, lower medical costs, lower blood pressure.

[01:07:41]>> I do have hereditarily I do have high cholesterol.

[01:07:45]>> That's probably not good while also being morbidly obese.

[01:07:49]>> Not morbidly obese.

[01:07:51]>> Okay, you took a couple more sips. I'm pretty sure you are now.

[01:07:56]You're still class two obese. You want to be considered class two of any kind of obesity?

[01:08:00]>> I'd never even heard of that since today.

[01:08:03]>> You accountability?

[01:08:04]>> I mean, I never said I was not like fat.

[01:08:07]I mean, I know I'm fat, but I'm okay with it.

[01:08:11]>> Oh, I think you were like every late every single [ __ ] month last year on this card. What's the point? The moment you opened it, you never made a card on payment on time.

[01:08:24]You transferred to this card, it looks like, is what I'm being told.

[01:08:28]>> Oh, and then you used it for everything because you lost your debit card. Great.

[01:08:31]Okay. Um, but even then, you still didn't ever pay your minimum monthly payment. Ever.

[01:08:38]Ever.

[01:08:39]>> Ever. I thought I set it up auto pay.

[01:08:44]Like, you have to set it up with autopay.

[01:08:46]>> Maybe it's through my checking account.

[01:08:48]>> There's a chance you did, but you didn't have enough money in your checking account to actually make that automatic payment. Um that that happens. Yeah.

[01:08:53]>> Well, buddy, you've had $3001 of fees last year. Usually a late fee is 40 bucks. Do the math. I mean, it's it's it's crazy. And just above the credit limit, like that's why all these fees are just making it go above. That's why it went 140 over plus the interest.

[01:09:07]Hundreds of dollars of interest. $100 of fees. 25.65% interest.

[01:09:12]>> It's 25.

[01:09:14]>> Well, no. No. That is really bad. But most credit cards are near like 30 that like people like you would have.

[01:09:18]>> Okay. Well, look, listen. Listen, Linda.

[01:09:22]The Amazon credit card.

[01:09:23]>> What is that a reference to?

[01:09:26]>> Starbucks is [ __ ] and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. MAKE GAMER SUBS AT HOME FOR just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

[01:09:50]The number one ranked energy drink is gamers.

[01:09:53]>> Literally, the cherry flavor is insane.

[01:09:56]>> Listen, you can also get free samples to see if you like it or 10% off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Stop bleeding out money making minimum payments across multiple highinterest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets. And look, if you're sitting on high interest credit card debt, a car loan at 18%, or oh my goodness, a payday loan charging you tripledigit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you.

[01:10:40]I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet. If you refinance your debt but keep swiping, you're just making the problem worse.

[01:11:01]You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to caleb.com. And remember, you still got to do the work. Oh, you're like a old boomer millennial. Okay, continue.

[01:11:26]>> You mean it's true. If you're pulling boomer memes, >> we are young. So, I made sure that the the Amazon credit card that I have, I know that one is 29%. And I made sure that the credit limit, they don't exceed 300, that I can't spend more than $300 on that credit card.

[01:11:51]>> Gold Star.

[01:11:52]>> Look, it's Amazon.

[01:11:55]>> Yeah.

[01:11:55]>> I I got it all the way up to like $1,400 and I didn't notice it.

[01:12:00]>> Doesn't matter. All these balances we looked at are >> above and I paid it and then I paid it down and then I told I called them. This was like >> Okay. Wells Fargo. You couldn't get a statement for us cuz >> Oh, that one's the That one's the brand brand new one. I haven't even >> Brand brand new.

[01:12:16]>> I haven't even set it up. That one it was uh my tire popped when I drove to LA and um I didn't have the money or the credit balance to get new tires. Okay.

[01:12:29]That doesn't add up to $4,236 though. Those things that you just mentioned, >> that's the one that I lost my debit card. So, I used that.

[01:12:38]>> So, if I actually had the statement, it'd be all [ __ ] >> Yeah. Like groceries, movies, paying for my sister's stuff.

[01:12:45]>> For your sister's stuff? Oh my goodness.

[01:12:47]We're going to need to call her and the ex. Oh.

[01:12:52]Oh. just got her um I paid for her haircut last weekend and I took her out to lunch.

[01:13:00]>> Okay, call your sister right now. I'm done. Call your sister right now. We'll call the axe in the post. We'll call your sister right now.

[01:13:07]>> Yeah, you don't have to look for him for permission. It's my show. But also, he would say yes.

[01:13:17]>> Well, she's the attractive one.

[01:13:19]>> That's an old picture. you.

[01:13:21]>> She was the attractive one.

[01:13:25]Tell her you said that for a [ __ ] She better answer the phone.

[01:13:31]>> I did just pay for her phone bill.

[01:13:33]>> Yeah, she damn better answer the call.

[01:13:35]>> I paid off her phone bill and her phone.

[01:13:39]>> How? You don't have money >> on that on that card.

[01:13:49]>> She has no idea. You can't text someone while you're calling them on Android.

[01:13:53]>> My phone's probably locked.

[01:13:55]>> No.

[01:13:57]>> Swipe up.

[01:13:58]>> I got it. There's so many men in here.

[01:14:03]>> Oh, I did do that. I'm very organized.

[01:14:05]>> Call has been forwarded to the >> So, all the guys that I talked to, they have like the little two heart emojis.

[01:14:10]>> Okay, we're going to hope she calls back. Okay, so this is insanity. What's your minimum monthly payment on this thing?

[01:14:16]>> So, you owe 4,236.

[01:14:19]I think it's I wouldn't trust you for anything but sure.

[01:14:21]>> Oh, here you go.

[01:14:22]>> She's calling.

[01:14:25]Hello.

[01:14:26]>> Hey.

[01:14:27]>> Hello.

[01:14:28]>> What the are we doing here? Listen, I'm talking to your sister. I'm talking to your sister. Why the is she paying for all your bills? And why are you guys going to move in together? She was already taking care of your mom and she's blaming all her [ __ ] on taking care of her mom and then all of a sudden taking care of her failure drunk ex. Now she's going to move into you in September and pay for all your [ __ ] Well, you do absolutely nothing. Why the are you draining your sister? Dude, your sister has been used her entire life.

[01:14:58]Why are you using her now?

[01:14:59]>> Uh, I'm not using my sister.

[01:15:02]>> She just paid your phone bill. She just paid for your haircut. She had to pay for your haircut.

[01:15:07]>> Cuz I'm not able to do that. And >> why did you able to do that?

[01:15:12]Um because I'm filing for disable and I'm actually going to school to get my bachelors.

[01:15:22]>> And what's your disability?

[01:15:23]>> That's none of your business.

[01:15:25]>> Kind of. Your sister's given all her money to you and she's going to move in with you.

[01:15:29]>> I'm not going to tell you my my personal information. That's hip-hop.

[01:15:32]>> Okay, good. So, you're not disabled.

[01:15:34]Very good. Um and you're probably going to try to abuse the system and you're a taker just like your sister. Never a giver. You're welcome. I just uh >> I am a giver.

[01:15:44]>> What are you, a giver? What are you a giver? Taking student loans for your school, getting on disability, and I just wrote a $2 million check for taxes yesterday. You're welcome.

[01:15:53]>> Wait, are you are you doing this for my sister or you or is this interview for me?

[01:16:00]>> So, your sister who is giving you money because you can't do anything to save your life. She's been used her entire life. You know what that's like? because you dated the same guy apparently as her, which is crazy by the way. What the kind of incest [ __ ] we got going on. But not only that, your sister's been taking care of your mom, then she took care of this drunk for 13 years, and now she's going to move in with you and have to take care of you. It is not fair to your sister. It is disgusting. She's paying for your haircut, and you're like, "Wow, I have a disability." No, >> because I would do the same thing for her.

[01:16:32]>> Except you never will because you don't work and you never work except for when you're a stripper. But you probably aged out of that.

[01:16:38]>> What the We'll leave that there.

[01:16:47]>> Oh, you may have gotten in trouble for that one.

[01:16:53]You may have gotten in trouble for that one.

[01:16:56]>> I think so.

[01:16:58]>> What's your disability?

[01:17:00]>> I don't know.

[01:17:01]>> Oh my.

[01:17:03]>> I don't know. Oh, >> can you guys imagine how much less in taxes we could pay if people just weren't able to abuse the system so easily?

[01:17:11]>> I mean, she's not getting unemployment.

[01:17:13]>> Why would she?

[01:17:14]>> I don't know. What are you talking about? Abuse the system.

[01:17:17]>> She's filing for disability. You don't even know what disability she has cuz she doesn't have one.

[01:17:21]>> I do know that at her last job when she lived here that uh she fell off a ladder and hurt her hip and so she was on like workman's comp.

[01:17:32]But it's like a I don't know. She's got like something to do with her.

[01:17:37]>> We need a revamp of every system we have. Guys, we we set up systems with good intentions and people have just learned how to abuse it over the years.

[01:17:44]It's disgusting. It's really disgusting.

[01:17:46]I I I man hate what this show has turned me into. But once you see the inside, once you see how the sausage gets made, it's disgusting. PayPal credit. What's going on with this? First of all, now you didn't even tell me what you think your Wells Fargo minimum minimum monthly payment is.

[01:18:02]>> Uh I think it's like 140.

[01:18:05]>> So, um she hides that she's a stripper.

[01:18:09]>> No, she used to be >> used to be a stripper. She hides that information.

[01:18:12]>> I didn't know that she didn't want to talk about it.

[01:18:15]>> Oh, that's funny. Okay.

[01:18:20]>> She also had no idea that you guys were kind of cool.

[01:18:22]>> Does she know you're on the show?

[01:18:24]>> Yeah.

[01:18:24]>> Okay. and she called back.

[01:18:29]>> $2,58.17.

[01:18:31]Yeah, you can deal with that.

[01:18:32]>> I'm going to be in so much trouble with her.

[01:18:34]>> Yeah, you give her free money. I don't give a She kind of owed you that. Okay, buddy.

[01:18:41]This takes 13 years to pay off. You're over the credit limit again on PayPal credit. $8,58.17 with a minimum monthly payment of $57.

[01:18:49]Oh, Tik Tok shop.

[01:18:52]Ah, what is Lavia?

[01:18:58]Lots of Tik Tok shop. Tic Tac shop. Tik Tok shop. Tik Tok shop. Tik Tok shop.

[01:19:01]Liquid red AMC. Lavy. L. My gosh. Am I What am I not saying that right?

[01:19:10]It's for toenail fungus.

[01:19:11]>> Lunavia. No, Lunavia. It's a uh cream.

[01:19:15]>> Tenail fungus >> for stretch marks.

[01:19:20]>> Okay. I bought that out of an insecurity because my ex said that uh I got so fat that I look like I've had kids when I haven't.

[01:19:33]>> Well, yeah. Me, too. That's what happens.

[01:19:35]>> I bought cream to put on my stretch marks on my stomach.

[01:19:38]>> Well, I mean, you probably shouldn't have like your partner shouldn't hurt you for that, but yes. I mean, I got stretch marks right here, too.

[01:19:44]>> When you get fat, your stomach does this. And that's kind of what happens when you get pregnant as well. So, stretch marks happen. So that's not surprising. Show me your Tic Tac shop.

[01:19:53]>> Hey, if we both do it right and we lose weight, we'll have loose skin.

[01:19:57]>> I don't want to lose that much weight.

[01:19:59]>> Uh, you really should.

[01:20:01]>> 20 lbs.

[01:20:02]>> No, no, no, no. You'll be obese class one. Come on. You got to be healthy. And we're not doing this healthy any size [ __ ] thing. Science doesn't agree with that. Fortunately, news magazines got like copped into that [ __ ] >> How do you go to Tik Tok show? Just give. Just give.

[01:20:21]You're the one that spends it all on there. How do you not know?

[01:20:25]>> They feel me.

[01:20:29]>> All right. You got like the most insane amount of bras I've ever seen in my life.

[01:20:33]>> I know. It's crazy.

[01:20:35]>> You're the one that did it.

[01:20:36]>> I like stuff, but >> congratulations. I got a whole [ __ ] put things in the car for the >> Renaissance. Yeah.

[01:20:43]>> Oh my gosh. You spend so much money on just such [ __ ] This is so much [ __ ] And shoes. There's so many shoes and plugs and necklaces and headphones and [ __ ] Oh, you are like a Teimu purchaser. You have like a battery box and so many clothes. What is the um $261 solar panel recharger thing?

[01:21:02]You're dude, this is I didn't buy it.

[01:21:04]>> This is insane. What? That was in your history.

[01:21:07]>> Yeah, from looking at it.

[01:21:08]>> Oh, >> yeah. Yeah, yeah, yeah, yeah.

[01:21:11]>> Okay. eBay. What's going on with this?

[01:21:14]Well, I would assume eBay. Still six years to pay off.

[01:21:17]>> So, you didn't even look at See, that's not my purchase history. That's >> Show me your purchase history.

[01:21:22]>> Show >> I'm getting there.

[01:21:27]>> Uh, okay. Well, you look eBay $1,366.38.

[01:21:31]Minimum monthly payment $49.

[01:21:35]Yes, there was still purchases. Oh, security. You're paying for like a security thing on there. You got interest and fees galore. 30.49% interest. This is so ironic the way you live. Okay. Bras. Bras.

[01:21:48]Uh, lots of, you know, the kind of pants that fat women wear. Uh, lots of fat people outfits. Yeah. Yeah.

[01:21:56]Yeah. Yeah. The classic like waist slimming outfit. Yeah. Yeah. Yeah.

[01:22:02]Some books, I think, and something [ __ ] Okay. Lots of [ __ ] That's fine. Uh, synchrony.

[01:22:10]What's going on with this? Marshalls.

[01:22:11]Immediately purchasing a Marshalls.

[01:22:13]Okay. Minimum payment of $27, $299.99 owed. You're just shopping on every card doing so much [ __ ] Just left and right. Left and right. Okay. So, this is the big scary Amazon card that you were freaking out about earlier. What's going on with this?

[01:22:30]>> Oh, well, I know that one has a really high interest, so I keep the balance really low. I try I try to pay off the the full balance every month.

[01:22:41]Now, I haven't been or I don't think I have a long enough history.

[01:22:47]>> $29 minimum payment, $296 balance.

[01:22:52]Yeah, you didn't. Yeah, you're not going to pay it off. Amazon. Amazon. Amazon.

[01:22:55]Amazon. Amazon. Amazon. Amazon. Amazon.

[01:22:57]Show me your Amazon.

[01:22:59]This is insane.

[01:23:02]This is so much spending. So much [ __ ] City Simplicity card.

[01:23:08]Oh. Uh, okay. $398.81.

[01:23:13]Minimum monthly payment $20. Two years to pay off.

[01:23:19]Oh my goodness. So much dominatrix [ __ ] [ __ ] So much hair things. And yeah, Atkins, that ain't working. Oh my gosh. Ice coffee flavor Atkins Cafe [ __ ] It's so stupid. I think >> those are the protein shakes. They're really yummy.

[01:23:38]>> They are really yummy. It I don't think it really works though. Um, lots of hair [ __ ] and lots of septum piercing [ __ ] Of course, I didn't even notice it cuz you have so much stuff going on. Usually it's the first thing I notice is the septum piercing spending IHOP. The criticals, the necessities, health conscious with your Atkins and IHOP.

[01:24:01]Wells Fargo. Wagon going to hold you.

[01:24:03]>> That one's my oldest credit card.

[01:24:06]>> Okay.

[01:24:07]>> The balance. What's going on with it today?

[01:24:09]>> The balance is low. I don't use it really that much.

[01:24:13]>> And why don't you pay it off? Oh, you did. Okay, I'll cross this one off. But it's Uber Eats. What's the point of Atkins with Uber Eats? You >> Sometimes I can't leave my office. I'm in the middle of doing stuff.

[01:24:24]>> Pack a lunch. Make a sandwich.

[01:24:29]Atkins meal plan. The 30-day budget meal plan for a reason. Pack your lunch. Meal prep was pathetic. No accountability again.

[01:24:41]Okay. Oh, personal loan. We got a personal loan of 10,000 that you couldn't send me a you couldn't send a statement.

[01:24:49]What's the personal loan for? Of $10,000.

[01:24:52]>> So, that was I got when my credit balance was up to 14 and I was looking to see into getting I tried.

[01:25:06]>> Okay. This Okay, so this is really stupid.

[01:25:10]>> It's so stupid. So, I went to apply to see if I would get accepted so I could pay off the credit card and then they approved me for 10 and I thought it was just like a okay cool you can get 10. I didn't know it was a cool you're getting >> What's your minimum monthly payments?

[01:25:26]>> I make uh two >> What's your minimum?

[01:25:29]>> I make weekly payments. What's your minimum?

[01:25:31]>> That's 187. Oh, every two weeks it's like 17%.

[01:25:37]>> 374.

[01:25:39]Yeah, that's not good. Maybe I can't advocate it for you. Listen, I do advocate for debt consolidation and personal loans and all that [ __ ] Even bankruptcy, sure, if you change behavior, if you don't, it ends up right here where you b where you consolidate under one and you bring all the balances up again, then you have double the debt.

[01:25:56]You just touched my foot. Don't do that again. This is disgusting. This is Don't Don't make me nast. Don't listen. So, I mean, we we opened a marketplace on caleb.com to apply for personal loans if you're in that position of wanting to get a better rate cuz it's lower rates and stuff like that. I am not in the position.

[01:26:15]>> So, check that out at calebhammer.com, but only if you change your behavior first.

[01:26:19]>> I do know that I'm not in the position to get a personal loan. I am not ready.

[01:26:22]I know that.

[01:26:22]>> Not for you. I want to advocate for you.

[01:26:24]You haven't changed your behavior. I'm saying for people out there that have.

[01:26:26]>> I want to change my behavior. Once you do, then you can look at caleb hhammer.com and find the one that is better for you.

[01:26:34]>> West Lake.

[01:26:35]>> That's my car loan.

[01:26:37]>> Uh, do you not own anything on it or Oh, no, no, no. What's your car?

[01:26:42]>> It's a 2021 Hyundai Kona.

[01:26:44]>> $6,544.

[01:26:47]What's your minimum monthly normally?

[01:26:49]>> 474.

[01:26:50]>> Yeah, it's worth 2570.

[01:26:53]Oh, there we go. That's it.

[01:26:56]NO, >> you're so dramatic.

[01:27:03]>> Oh, I should be cuz you're a >> you overdraft 10 times.

[01:27:08]>> Yeah. Yeah.

[01:27:10]>> Yeah, I should be dramatic. You're not dramatic enough.

[01:27:12]>> I get paid weekly and so sometimes I FORGOT THE I don't get the the build dates correct.

[01:27:20]>> What? That doesn't matter.

[01:27:22]>> Yeah, it does.

[01:27:23]>> Weekly is even MORE BENEFICIAL. NO, >> IT ALLOWS YOU TO shut the up. Yeah, I get build weekly. That's my issue. IT'S NOT TACO BELL. IT'S NOT O POLIO loco beans and bruise is barbecue taking $140 out from our checking account for who knows what. Going in and getting some [ __ ] PayPal transfer $140. Uh going in and getting some [ __ ] from the gas station. Listen, I know you don't do caffeine anymore, but you can do the hydration drink version here. The uh I'm looking for the caffeine-free Okay, caffeine free. Here you go. So, that's the hydration drink version instead of the caffeinated version. No more going to the gas station, getting some [ __ ] Do your gamer subs. It's 40 cents a serving with a 10% discount using my code Caleb at my link in the description below. Get your free sample.

[01:28:08]See what flavor you like. And then once you know what flavor you like, get that 40 cents a serving. Make your energy drinks or hydration drinks at home instead of getting a Gatorade or a Monster or whatever energy drink you do that costs expensive $4.40 cents a serving. Come on, guys.

[01:28:21]So, yeah. So that's my weekly payment.

[01:28:23]Not the Popeye's, not the zel, nothing else auction of $41. Not to go in and getting some [ __ ] Natural 21 game PayPal three bucks. Vegas bakery storage unit again, even though we already had that on another card. Hilly dating app 30 bucks for that one. Zelan 150 bucks.

[01:28:40]You're paying more to people than people are supposed to be paying to you.

[01:28:44]FASHION Nova Auction 70 bucks. PayPal.

[01:28:48]Tik Tok videos two bucks. Dell Taco. Sin City Taco. Cornish pastry. Shut the up.

[01:28:54]>> Okay, fine. Fine. Well, answer. I don't know. Let me see. I don't know. I don't know how to work.

[01:28:59]>> Well, call her back then.

[01:29:02]>> The Bonfire, Albertson's, ATM with Raw, Tik Tok videos, Hobby Lobby, BPW, Cupid.

[01:29:09]>> My mom called. She's not happy either.

[01:29:11]>> Call your sister back then. Quinn Audio, Albertson's, eBay, PayPal, Walgreens, Liquor, Parlet, Marina's Fitness, Jack in the Box, COFFEE AND BE. CALL HER. CALL HER. Give me your phone. Give me your phone. Give me your phone.

[01:29:30]GIVE ME YOUR PHONE.

[01:29:33]GIVE ME YOUR PHONE.

[01:29:36]Just go with it. Give Give it Give Get off of me. Give me a phone.

[01:29:47]Get on your chair.

[01:29:51]She's not going to answer.

[01:29:52]>> Okay. Give Just GIVE ME THE PHONE >> CUZ you're an [ __ ] >> GIVE ME THE PHONE.

[01:29:57]>> JESUS.

[01:29:59]>> HERE, BABY.

[01:30:04]SICK.

[01:30:07]We will call you back.

[01:30:12]We'll call her back in the post show.

[01:30:13]You got $12 in here. You're overdrafting every second of your life. I'll get you a course career certific. I'll get her a course career certification as a win so she can not be a stripper with disability. Apparently, >> that's really common actually.

[01:30:23]>> Mental >> that they get um physical disability.

[01:30:27]>> Okay. Savings $2,400 down to 257.

[01:30:31]>> Oh, I know. My savings is trash.

[01:30:33]>> Oh, okay. That makes it okay.

[01:30:35]>> At least I'm not delusional about that.

[01:30:38]Oh, >> about that. Great. You're the one who took it out.

[01:30:43]We'll call the axe. We'll call maybe the mom and the sister back. I don't know.

[01:30:47]We're going to do a lot in the post show, but let's get this budget first.

[01:30:50]It's going to be a good post. I know that right now.

[01:30:53]>> I'm definitely not calling my mom.

[01:30:54]>> Why didn't she call?

[01:30:56]>> That's a no.

[01:30:57]>> Okay, that's fine.

[01:30:58]>> That's a hard no.

[01:30:59]>> But but but why? It's fine. We don't have to. But why?

[01:31:03]>> She's got a really high anxiety.

[01:31:05]>> Oh, well then we're not going to call your mom.

[01:31:07]>> Yeah.

[01:31:07]>> I don't want to I don't want to hurt your mom. Don't want to hurt anyone.

[01:31:11]>> She's probably so, >> huh?

[01:31:15]Don't they know where you are? What's going on?

[01:31:17]>> Yeah, but they didn't know that they were going to get called. I didn't think about it.

[01:31:22]>> Dangerous show. Caleb.com/apply.

[01:31:26]I'll call anyone unless you tell me there's someone I can't call and I will not. But have I done well not going over your nos?

[01:31:35]>> Mhm.

[01:31:36]>> Okay. See chat, you get to define what the nos are. Caleb.com/apply.

[01:31:42]Okay, so your debt minimum monthly payments $1,94725.

[01:31:49]Income $4,880.

[01:31:52]So no rent, but you help with utilities and stuff like that. How much does this cost on a monthly basis?

[01:31:57]>> It's like uh $250.

[01:31:59]>> Okay. How much for gas of room v room drive?

[01:32:02]>> Uh it's $50 a week.

[01:32:04]>> Okay. 200 car insurance.

[01:32:06]>> Car insurance is 372 because I also have renters's insurance.

[01:32:13]>> Phone bill pay for insurance for two vehicles.

[01:32:15]>> Uh yeah, phone bill.

[01:32:16]>> Phone bill is 180.

[01:32:18]>> Okay. Switch to Helium if T-Mobile's good out there.

[01:32:20]>> Paying for the phone bill for me and my mom.

[01:32:22]>> Even still 15 bucks a line.

[01:32:24]>> We're talking about switching to Mint.

[01:32:26]>> That one's fine, too. The Helium's pretty much the same, but I advocate for it cuz better rewards. But either way.

[01:32:33]Okay. Okay. How do the groceries work in this house in terms of you eating?

[01:32:37]>> Um, I participate with grocery income or I stick I give her money for groceries and then sometimes I buy my own groceries and she cooks and I do the dishes.

[01:32:47]>> I'll do 300 just to be safe. Okay. TP fun. Anything else you need to survive?

[01:32:51]150 bucks. Medical healthcare. Are there co-pays on a monthly basis?

[01:32:55]>> Uh, there's co-pays but they're low.

[01:32:57]>> How much a month? Uh, it's >> even if it's estimate, this is a close budget >> like $60.

[01:33:04]>> Okay. Gym. I saw one. How much?

[01:33:07]>> 29.

[01:33:09]>> Okay. I will do subscriptions of 40 bucks. Pets. No. None right now.

[01:33:13]>> None right now.

[01:33:14]>> Okay. Anything else that needs to be in this budget that I have not taken in account?

[01:33:17]>> My pets.

[01:33:18]>> I know. I'm sorry.

[01:33:21]>> [ __ ] [ __ ] >> I agree. I agree.

[01:33:26]>> I had a boxer. a boxer and a pit bull and they're so >> I know I I love dogs so much and I am really sorry. That is the difficult thing, right? Where he can kind of like leverage it over your head because if you're the one leaving, even though you should have been the one leaving, >> it makes it so that he probably >> you know, I want you to come by, you know, every week or two you come see the dogs.

[01:33:45]>> Are you?

[01:33:46]>> I stopped doing that two months ago.

[01:33:48]>> Okay. And >> cuz he's been so nice.

[01:33:52]>> Well, he doesn't need to be a piece of [ __ ] I know, but it's like I'm like, why all of a sudden I move out and you're you're doing exactly the thing I've been asking you to do?

[01:34:02]>> Well, to be clear, if he was emotionally abusive and certainly being an alcoholic, don't go back. But it's okay to be around him for the dogs if he's being nice.

[01:34:11]>> But it's hard. They're not going to be my dogs. I'm not taking them back.

[01:34:14]>> No, I get you. Listen, with your $1,151.75 left on a monthly basis, it just takes 41 months to pay off, which is really not that bad for the show. It's three and a half years. That's not that bad.

[01:34:23]Now, you are going to have a rent situation that might push that further.

[01:34:27]But if you bring in extra income, we'll see. Maybe it brings it back down to where it's still three and a half years.

[01:34:32]So, just focus on paying off this debt.

[01:34:34]Follow the strict budget. Meal prep.

[01:34:35]Meal prep. It'll be good for health.

[01:34:37]It'll be good for budget. Make your energy drinks at home, your hydration drinks at home, all that good stuff. Use the resources we have. Pay off this that three and a half years. Then get a fully six fully funded six-month emergency fund. Use the dollar wise budgeting app to keep you along that way. And then you got to catch up back up with investing again after that six-month emergency fund. And at your age, I'd probably do 50 25. 50% on needs age, which will be 40 by the time this is done. But uh 50% on needs, 25% on fun, which is a lot of money for your uh your situation, and 25% to investing, and you'll live a great life. But it's a sacrifice of 3 and 1/2 years, and it's totally worth it. Now, go make as much money as you can and spend as little as you can.

[01:35:15]You'll be fine. But the post show will not be fine cuz we have a lot of phone calls to make and it is going to be crazy. Let's get the hammer financial score first. You're getting out of debt situation isn't that hard. It's a little bit of time, not as much for most people on this show. And you have the opportunity to make more money and cut your spending dramatically. Spending in a budget, you overspent, zero out of 10 there. Debt, no collections.

[01:35:35]>> High minimum payments and some dumb debt and over the credit limits. I can't give you better than one out of 10. Uh emergency fund, well, you drained it.

[01:35:43]So, zero out of 10. Retirement drained at zero out. Real estate zero out of 10.

[01:35:47]Round it up.5 out of 10. Get yours at cale hammer.com now. Click the join button to watch three premium shows posted every single day 6 days a week by joining Hammer Elite, including an extra 20 minutes of this episode called the Financial Auto Show. I'll see you there.

[01:36:00]>> I don't know whatever she's telling you is a complete lie. We were together for 13 years, but 13 of those years were just honestly one of the most miserable that I've had. So, I don't know what exactly she told you, but please like tell me so I can clear it up. Well, how about this? Maybe she can say it herself.

[01:36:17]>> Let's compare the lists.

[01:36:19]>> Let's do it.

[01:36:20]>> All right. Yeah. Yeah. Yeah. Okay. Let's start with your three DUIs.

[01:36:23]>> Damn.

[01:36:24]>> The seven times you've been arrested.

[01:36:26]>> Seven.

[01:36:27]>> And you still live with your parents.

[01:36:29]>> Oh [ __ ] >> But yeah, I'm sorry that I became raging alcoholic and I had to drink. But honestly, if anyone was with you, they'd do the same.

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