I'll Get Cancelled For This... | Financial Audit

- To watch episodes of financial audit a week earlier, check us out on YouTube. - We have an information from your ex that she thinks you cheated on her. - That's what she thinks that doesn't mean it's true. - Conveniently, you are with the guy that she accused you of cheating with. So when you're (beep) keeps getting you in trouble, it's 'cause you're cheating. - Why don't you call your boyfriend? Let me see what he thinks. - I can try calling him and he's at work right now. He might not be able to. - Yeah, try to call him. - Hey, what's up? - I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join, and that's a promise. - Hi, I'm Bri, I'm 26, I'm from Houston, Texas, and this is financial audit. - Thanks for coming over to Austin. What are you doing in Houston for a living, Bri? - I have an office position, so I'll answer calls, take orders, really rudimentary office. It's like kind of a receptionist. - This is a receptionist, this is like intern. Okay. - Not intern, I'm full time. - Taking orders? - Customers call, they say, "Hey, I want this product." - All right, I put it in the system, I take payment, and then I give it. - But not sales, no commission. - No, no commission, no. - I'm not a sales rep, because customers just call. - Okay, cool, what are you making this position? - I make 20 an hour, I'm salary, so-- - 20 an hour salary, so what's your salary? - I get paid by weekly, and-- - What's your salary, what's your income? What's your play, when they say what your salary is, you make, this is your salary that you're accepting on a yearly basis. - Oh, a year, I make 42,000 a year. - Okay, listen, I mean, you stood as far as all the Texas cities go, it's not the most expensive, but it's gonna be in that middle range. But 42, still hard to stretch, instead of stretching the quote I have from you before coming down the show is my getting me in trouble. - Yeah. - So if we're not making much of money, and you're keeps getting you in trouble, it's-- - How are you surviving and you've used it on that? - You got me in trouble because, so I moved to Texas from Maryland three years ago, I've only been in Texas for three years. - Oh, to me? - A little town named Cumberland, it's like two, three hours from Baltimore, so you know how Maryland is like big, it gets little, and then gets big again, I live, you've ever seen the shape of Maryland? - I don't, look, you have a picture of Michigan again. - Also, I don't give a, 'cause I'm from Michigan. - Okay, but whatever. - Should I have a frame of like Illinois on there as well? - What states, states look like? - Relative, you know the map. - You know the map. - Okay, well, anyway, Maryland, I lived in the mountains, like countryside, real in the sticks, type deal. Okay, well, me and her started dating, moved to Texas, she was really controlling with the whole relationship, so, say she wanted to go out to Michigan. - Which by the way, it's interesting that every single acts of a relationship that comes on here, the other person was always the bad one. Every time, that's interesting, how that works. Keep going. - Sure. - So we would argue a lot about finances. She wanted to join account, there was no reason for us to have a joint account, we lived in an apartment, we didn't have a mortgage, we didn't share bills, anything like that. She wanted to combine finances. I didn't want to do that, so no reason. So, if she was hungry and I didn't feel like making anything, she would just always want to go out to eat, and would never cook food for herself, never wanted a grocery shop. - What is this, an X vent hour? Like, I don't, what is this? Is this so pointless? - I spent a lot of money on her in our relationship. - When did you break up? - A lot of money. - New Year's Eve. - Oh, okay, so that is actually recently. - Yeah. - I just said that, am I gonna save me a few minutes? - Sorry. - I do not need to, oh my goodness, my goodness, she didn't do the dishes. - No, it was like, what are you doing? - She would want to go out to eat. I, if she'd have money for it, I would pay for it, and then if I wanted something for myself, it was an issue. - Why did you stay with her so long? If she was f***ing up your finances, 'cause she wouldn't contribute, and you had to take care of her, why would you stay with her so long? I'm not giving you victim treatment when you decided to stay. - No, I know that. Like, I would stay because like, it would get to a boiling point, and I would be like, I don't want to be together anymore. - See the one that caused the end. - She would, yes. - The injuries? - Injuries? - The scars, the eyebrows scars. - No, that's just fashion. - Fashion? - Yeah, you know how people like get piercings and all that, it's just fashion. It's just hair. You just put a little slit. You've never seen people with slits in their eyebrows? - Injured people? - Injured. - I've seen some scars. - No, it's not a scar. - No. She was never physically abusive, just mentally and verbally. - Oh, so again, every ex in the history of this show, and yet, okay, it's just, it's just, if it's every ex ever, and I can never hear the other person's side, it's like, can I even believe it in the end? I have a hard time. - Well sure, I mean, I believe what you want to believe. I'm just letting you know. She was really controlling, and a lot of my debts stemmed from our relationship. - Why do you stay? - She would tell me she would change, and that things would get better. - Okay, and how many times does that need to be said, until you are able to advocate for yourself? - So it was said, ultimately three times, and the third time is when I left. - Okay, how many did you get together? - We were together three years and some change. - Okay, she's three finances for three years. So you're saying, everything here is because of her? - For the most part. - Really, 'cause the last time someone said that, it was like five percent. - Well, how did it happen while we were together? A lot of it happened while we were together. The debt, like, if I didn't have-- - For what, if you didn't have money to go treat her, you would just go into debt to treat her? - I would use, like, the cash app borrow or use after pay. - Why are you struggling today? 'Cause we're four months in, four and a half months in, from New Year's. - Yeah, why are you struggling today? - I still have to pay all my bills. - The most people get paid twice a month. Welcome to pay check. - Yeah, I have to pay all of my bills. - Okay, well, you're a dollar, you're 26. - Whatever money I have left over, I am trying to put towards my debt. - Are you? - I mean, yeah, I'm trying, yeah. - Just trying, when you don't actually do it, how can you tell me you're trying? Like, what is that word? - Whatever money I have left over after bills, after gas, after whatever necessities I need at the house, I'll put towards my credit card or towards the cash app. - I'll put towards credit card, which is why I spend hundreds on miscellaneous bullshit, hundreds on going out to eat. That's not going towards the credit card. That's money going towards bullshit. - A lot of it was when we were together and-- - No, this isn't-- - You going out to eat right now after your terrible two checks? Crazy, how are you gonna survive two checks? No one else has to deal with that. You can't tell me it all goes to the credit card when it goes to going out to eat a miscellaneous bullshit. - It was going out to eat with her. - No, this wasn't. You broke up new years, we're four and a half months in. - Yeah. - Do you not realize that time has passed? - Yes. The debt that has accumulated-- - I'm not talking about that. I'm saying the money you have after you bills, you spend it on bullshit. Now it's not going towards that. You can't say that's her, she's not here anymore. - Yeah. - Yeah? - Well, I mean, I just-- - So you're lying to me. - How am I lying? - 'Cause it's not going to debt, it's going to bullshit. How are you not able to comprehend this as much? Is that the Maryland Educational System? - No. - Wow, Baltimore, I don't understand. - I'm not from Baltimore. - Allegedly. - It's not. - You think all black people are from Baltimore? - Yes. - So-- - No. You think that's the hub for all black people who's Baltimore, you think that's where everyone's from? - It lands. - Do I sound like I'm from Baltimore? Have you ever met someone from Baltimore? - Across the street. - You cross the street, were you scared? Were you scared? Were you scared? Are you going to get robbed? - That's a joke. - Okay. - The joke. - Okay. - No. - All is good here. - Okay, good. I'm glad. - Is there's no reason to be scared? I know you don't have a lot of black guests. - I'm not a black guest. - You have not had a lot of black guests. - Oh, no, I just employ them instead. - That's great. - That's great. Love that for you. - 'Cause I believe in-- - You were right. - Well, let's not go that far. Creating an A. - Oh, oh. - It's better future for civilization. - Yeah, okay. I'm glad. - How do you not understand what I am trying to say, though? For that whole thing. - Okay. - I am trying to say you are lying to me 'cause that's not going to the cards. It is going to bullshit. So after we broke up, I had obviously had to get my own apartment. We had, it was me, her mom and her brother in an apartment. And so when we broke up, obviously I couldn't live there anymore. So how to get my own apartment, this out in the third, whatever, down payment, first months, all that. - Yeah. - Would you have to emergency move out? Were you picked out? - No, yes. - Okay. - So we broke up in an emergency. I don't know. - I found like the cheapest thing I could as fast as I could. - So what is as fast as he could? As fast as you could as you moved out and you immediately got a boyfriend. If you immediately got a boyfriend, you got a boyfriend pretty damn quick. We're four and a half months in. You already are locked down. The thing is if you're keeps getting you in trouble, it's going to keep getting you in trouble right now. - We realized we liked each other and he treats me a million times better than my ex. - That's great. Well, you're three months in where you're dating your ex for years. So we'll see how that goes. But if you're three months in and it's only been four months since you broke up, yes, you immediately got with someone. And if historically you keep getting in in these situations where you're giving everything, going into debt for the other person. - We don't need to have known each other for a really long time. We've known each other for as long as I've been in Texas. Like, okay, so me and him work together and nothing emerged until me and my ex had broken up. allegedly your ex accuses you. - Well yeah, she doesn't trust men. She doesn't trust any men. - No, she believes that men and women can not - We have information from your ex that she thinks you cheated on her. - She does think I cheated on her with him. That's what she thinks that doesn't mean it's true. That does not mean it's true. I never cheated on her. - Well, who do we believe? You say she's verbally bad. She says you're a cheater. And now, now conveniently, you are with the guy that she accused you of cheating with. - Okay, yeah, that doesn't matter. - So she accused you while you were dating of, hey, you're cheating with him and then conveniently right after breaking up your with him. - I cheated on her with him because at work when there's nothing to do, we would go out by the dogs and we would hit our vapes, whatever. - And conveniently right after breaking up, you get with him. - No, no, she pulled up to work one day unannounced and saw me in him like, just standing there talking, and hitting our vapes. So she was like, why are you so close to him? - Why are you? - Why are you immediately got with him after breaking up? - I didn't immediately get with him. - Basically, damn immediately, within a couple of weeks, come on. - We realize like, oh hey, you're a month after. - We're like, you know, things kind of just emerge. Like things just happen. Like, we, he treats me so much better. He's like, you know, you really didn't deserve that. He was going through, he got out of a relationship around the same time and him and his ex were going through the same thing. - No. - We're both going through these problems. - Oh, come on, we can't wait through this. - You can believe whatever you want to be. - You're also just endlessly complaining about your girlfriend all day, work around this guy. His relationships, and he like that. - Everyone at work complains about their home life. - I don't just sit here complaining about my relationship all day. - You never went to anyone, you never went to anyone about things that are going on. - I'm not really, I really don't think so. No, I'm getting a head check nose. - Like, your best friend, your parent, like, you don't have a sense. - Well, no, because, that shit isn't happening. - Okay, good, I'm glad. But that shit was happening for me. So yes, the people that work-- - Well, with the person that also conveniently, like, always getting out of a relationship, oh, I'm getting out of a relationship. Oh, we definitely haven't been cheating. We're not together, oops, we're together. - We never cheated. - Right, but your ex was seeing flirty messages with other men in Discord. - That was years. She's scrolled back years in my messages. I was at work, she was at home. She knew I was-- - She worked with you. - So we did work together. - She saw what was happening. - But together, her position, everyone in that position, that whole position got laid off. So she got laid off, she collected unemployment. So she was home all the time. I still have my job there. So when I was at work, she texted me, like, oh, here are these guys. You're in the server, right? - Did you ever sleep with a guy in Discord? - Yeah, but it was not when we were together. (upbeat music) It was years before I even met her that I slept with this guy. And we were all from a small town, like, things happen. Everyone knows everyone. We can still be friends after things happen like that. And it's not weird, you know? Like, that's just the friend group. That everyone can be friends. Like, it's only weird if you make it weird. So anyway, she saw these messages that were from literally years before I met her, but she was mad that I was still in communication with them. - So when your putt keeps getting you in trouble, it's 'cause you're cheating. - I'd never cheated on her. - You wouldn't admit that right now. - Do you have a Bible here? Do you have a Bible here? I will write hand swear on the Bible that I never told you about. - Are you religious? - That's like the Holy Grail of telling the truth, isn't it? - I swear on the Bible. - On the whole point of swearing on the Bible is if you believe in it. - That's like the most way I can prove that I didn't cheat on her. - No. - So it wouldn't matter. - Oh, I don't know how else to prove that I'm telling the truth. You're gonna believe in her. - She saw it guys that work because she worked there too. - She saw us. - You were having 40 messages. - And you got together immediately with him. - So 40 messages were with someone completely different from literally years ago. - Like, don't give me wrong. I'm leaning on the side. If okay, you probably didn't, but just with how everything is lining up. - No, she cheated. - No, she was super trat in the sense where she didn't believe that men and women could platonically be friends. She did not believe that. And at all, even with her own brother. - And maybe she was right, though, 'cause you got with him immediately. - Even when we were together, I would hang out with him. - You broke up New Year's Eve. When was the first day he stuck it in, yeah. - Oh my God, not tell him like February, like literally. - Lots, if you guys are three months in, that doesn't line up. I mean, you guys started dating before. - No, we started dating at the end of February. - But then you're not three months in. - We're coming up on three months. Careful, your eyes look at stuff like that. - What, doing this? - Yeah, you saw that eyes, it's. - You're literally almost rolled in the back of your head. I had no one to tell me what I couldn't couldn't do. So yeah, I had this extra money that I wasn't spending on her, so it felt good to spend it on myself. - There it is, cope the, cope. - You said your money after bills were going to dead. No, they're going after feeling good about yourself and slitting your eyebrows. That's it. - It, yeah, it does make me feel good when I have a bit to do anything for myself for three years. - You lied to me. - I was not able to do anything for myself for three years. - It doesn't matter, you lied to me. - You lied to me. Caught you in the lie. Only if I had more proof on the cheek. - How did I lie? - 'Cause you said it would all go to dead after bills. No, it goes to bullshade and you're saying it's because it makes you feel good because you never had to do things. - And I would put money towards my dead. - I'm not saying I would put everything that I had left over towards my dead. Yeah, I would put some towards my dead, but yeah, I would buy myself things to feel good. - So it's a lie. You lied to me. - How's that a lie? - I'll go into making you feel good. Not going to a dead. - Who isn't lying? - Some of it is going to a dead. - Like a minimum payment, but that's the basic bare minimum. - It's something? - Not if you still spend on it. That just makes it go worse. - I haven't spent on my credit card in over a month. - Well, one, I don't even know, 'cause I have your most recent statements, but who knows? Everyone, when they apply to come on the show, it changes the behavior for a couple of weeks. Doesn't mean it's permanent. Just like before you go on any kind of show, who would nothing suggest that. Look where you are. - But why I'm here? - Oh my gosh, you're just hitting every catchphrase. Can you just (beep) clear yourself? In my craft? It's just so annoying. You're hitting every catchphrase for like no reason. Obviously, the reality is everyone before they come on any show that involves changes. They do change for like a couple of weeks. That changes nothing about the reality of your actual situation. - It's a learn to behavior. Things change. - That's an excuse today. - It's not an excuse. It's me saying, okay, I'm now going to change the way that I spend and change the way that I spend my money. - Well, you told Colton you're better than all the other crazy people that come on the show. - I feel that my debt is not as bad as the average guest. - Okay, when you're spending it all on bullshit. Instead of that. - I'm still not as in the whole as the average guest. - Okay, which is why your savings is negative $35 in 15 cents. Negative $35 in 15 cents. - Negative savings. You owe on your savings. - I paid that up, I'm pretty sure. I'm pretty sure, yeah. - I have it, no. - My savings right now? - Yes, no, I have it. - Okay, well then I would have to check it 'cause I do not remember it being in the negatives. - I don't give a shit what you remember, I have it. It has nothing to do with your memory. It is in the statement. It is here. - Okay, well then I'll fix that. - You can't say you're better than guests. They don't have negative savings. Only into their savings account has something guests have. That is you. You're not better than them. How can you say that? There's a cash app loan, you have a cash app loan. That was a part of your income was a cash app loan. Cash app loan, your payroll is $2,461. What was your outflow? - Definitely more than that. - Definitely more than that, but you're better than all the guests. - Who's your outflow? - Maybe $3,279.22, you're better than all the other guests? - I'm not as in debt as the other guests. - Does it even matter though if you spend more than you make and the debt is getting worse in your negative and you owe to your savings? - Well, it'd be easier to fix. I'm not happy with it. - Not necessarily 'cause your lower income, if you're lower income and your wholes is getting bigger, it is harder to reverse that and get out than a high income situation and a lot of debt who can usually still have like leftovers of thousands a month that they can throw towards it and chip at it. When you're gonna have a leftover of maybe 100 or 200 a month, it's gonna take years. And as even if you can do that and even change your behavior, change your behavior for two weeks before coming down to show congratulations, you did what every guest in the history of financial data has done. - Well, yeah, this was like, you know, okay, I really want to change things around. I want to make a difference. That you want to, that's good. But you can't tell me that you're all of a sudden and good or you're better than the guest 'cause you're doing every guest that you've seen with worse finances, changes to behavior, two weeks before coming down to show. If I was going on a diet show or workout show, a competition show, everyone would change for a moment knowing they're coming down to show. What is matter? What matters is your behavior before, which is more likely to be your last to behavior afterwards. After the fire under your butt two weeks after coming down to show is done. That is what matters. - It won't be done. I plan, I plan on taking it. - Okay, well, it always is done, no matter what. - Sure, but I really plan on taking this and making a difference. I do, that's why I came on the show. You're helpful. - Okay, so you got into all this 'cause of your ex-girlfriend and you couldn't handle that. What does the current boyfriend know that you're leaning on now so quickly? - He doesn't know about the debt because his last relationship had a lot of debt in it and he had to pay towards the debt and his relationship and the debt was not in it. - So you're hiding the debt? - We just haven't talked about it. - We haven't talked about it. You could talk about it if you wanted to talk about it. - We just haven't talked about it if you wanted to talk about it. - But you could. You could. Not saying you necessarily need to a few months in, but you could, especially if you know he has a past relationship negative with that. - Yeah, 'cause he's against it. did. I don't want to have an argument about it. He's your boyfriend. Should you not be on the same page relatively? Or what's the point of being boyfriend girlfriend? Are you trying to make it last longer? It's just something for fun. Yeah, I wanted to last longer. Okay, obviously you need to have a conversation. Yeah, I know I need to have the conversation. And you guys have a completely diverging world view. Okay, that's the point. It's new. It's fresh. Yeah, we can grow. There's a lot of room to grow. I'm gonna, you know, bring it up to him at some point. Yeah. When? When the time's right. There's no reason to talk about it right now. Well, because he has that issue and you're just hiding it. Whatever it's smaller, it would be easier to talk about because so then he won't like, you know, freak out as much. That's what I want to ask, though, and that delays them talking about it forever. Break out. It wouldn't it be fair for him to know what's going on if he's dealt with this before? What would it change? It's you being honest because you know he's dealt with this before and like, hey, I'm working on this. I'm trying to deal with this. Exactly. And I am working on it. Yes, but he doesn't know. And he will know when it's better. But what if it doesn't? It will. I promise. Well, that means nothing because everyone promises that. That means nothing. I mean, I really do mean it because I want me and him to work and I want my finances to get better. Okay. Well, I know you've lied about money and past relationships. Are you lying in past relationships in general? So there is nothing. This is just a continuation. There is nothing wrong with a white lie. What's a white lie? A white lie like to simply save an argument. Like whenever you just don't feel like arguing, like that's what a lot of like happened with like me and my ex like everything was an argument. So yeah, sometimes I would just kind of not tell the whole truth to avoid the argument. It's tiring. It's exhausting. Okay. So that if you're actually ready to change, you're on board for this plan then. I am on board for plan, but I don't really want. I want to keep living the way I live. Well, but you might not be able to. That's what sacrifice is. Yeah, there's sacrifice. But how much do you really need to sacrifice? You know, like how much do a lot to do anything that is hard? Depending. I mean, I don't I don't know the what what do you not like about the plan? Drining in student loans with massive interest rates. I see it on the show all the time. People get alone to advance their careers only to be left with sky high interest rates and crazy minimums that leave their paycheck gutted. Maybe you've already gone to a normal lender to try to refine into 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 high interest 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 why 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 only pay an interest between 0.1% and 5.99%. 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 release from your loan, they've got a program for that too. Plus, their team is in Phoenix, Arizona, so when you call them, you talk to a real person. It only takes three minutes to check your rates and it doesn't impact your credit score. If you've been told no a million times, try why refi. Head to yrefi.com/hamer. That is y-r-e-f-y.com/hamer. Recall triply yrefi78. That is 888 yrefi78. Break free from the high interest trap and get your finances under control once and for all. Yes, suck with money so you download a budgeting app. You start with the classic one. Why nab? But everyone just elites it because it's way too complicated to use. So you go to every dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rock 'em money. They got a lot of commercials but they're owned by rocket mortgage. Guess what they want to sell you in the end. And there's the new guy on the block. Monarch. Hundreds and millions of dollars to private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like dollar-wise. Fills play these people just like you. Four people just like you. No private equity. No gimmicks. Just the best budgeting app there is. Download and I'll start the free trial. Theallerwise.com. Link in the description below. I want to be able to buy a Funko Pop when I see it or if I- Funko Pop, how is that more important than your future in your way? It makes me feel good. Oh, it makes me feel good. Yes, it's like it's the instant gratification of like you know okay so whenever you're feeling bad about whatever situation you're in and oh you it's the same as like you know a sweet treat or a buy a little like some people will buy a little boo-boo like you buy something to make yourself feel better. And that's what sacrifice says saying I'm not going to feel better in this exact moment so I can feel better for the rest of my life. Well yeah, of course. sacrifice is exactly what I'm talking about. Well sure sure you can you can save all the money in the world for a house or for retirement and stuff like that. But like. Well yeah, but we don't necessarily need super house for retirement absolutely. Well yeah, but like truly how much do you need to save before it's like okay, I've saved this much I can now spend. Well usually 20% but that's after what are you talking about? In the plan I give you 50% I need 30% I want this is a shit ton of money. Maybe not for your income situation but it's still a large percentage and 20% uninvested. If you hit that 20% saving for retirement you can spend a lot of money still a larger percentage 10% more. But that's after you have a fully funded emergency fund you've paid off all bad debt and you have not done that because you'd rather get the Funko pop today. Well yeah, I'm tired of being sad. So yeah, if I buy myself. You have a new boyfriend that's allegedly better than all this stuff that you buy things from anyway. He is. He's really nice. He's really sweet. He's great. But yeah, sometimes when I'm feeling bad it went about my debt and not having money. You feel bad about not having money so you spend money. Okay. You need healthier coping mechanisms. I probably do. That's why I'm here. I'm going to do what makes me feel good and that helps me sleep at night. So you're okay being bad debt and not having retirement for the rest of your life then because that's what that alternative looks like. What's retirement really going to do for someone in today's age? Being able to retire. What do you mean? Like, I'm going to be 90 by the time I'm able to retire. Well, yes, if you don't save for retirement, correct. What are you talking about? Of course. That's just why you say for your 26, you have time on your side. You have compound growth on your side. But then like what's the point if I'm just still working and still? So you're not working at 65. In your picture, you're working until 90 because you didn't save. I don't know. I just don't see it. How do you not see it? Make the math make sense. Tell me. What's the argument? Right now, I am paying my bills. Are you because your boyfriend gives you money sometimes your boyfriend? He gives me gas money. Yeah. If you gas money from your brand new boyfriend, that's pathetic. He is nice to me and he's like, oh, you deserve this. He's like, I deserve sugar baby treatment. It's a gas money from a brand new boyfriend that you definitely did not cheat on with. I didn't cheat on him, but he feels I deserve it. He's, he's, he's a gentleman. He's a gentleman. He opens doors for me. He calls me beautiful. Then you getting money from him. Be the pay for things because you can't deal with it. I deserve it because I'm a good girlfriend. Or because you can't pay for gas. He thinks I deserve it. So I'm not going to say no. You can't afford gas and you deserve it. Well, you sure. Yeah. I need the money for gas. Exactly. There it is. And he gives it to me. So what's the problem? That's the problem. Your boyfriend. Your new boyfriend has to give you gas money with it. That's not the, that's not the point. How are you? I don't know. How are you so stupid? That's not the point. The point is that you were having to borrow from your boyfriend. You're telling me you're better than other guests. It's not borrowing. Because it gives it to me. Take from your boyfriend. Yes. He gives it to me. Oh my gosh. Yes. You just keep repeating the same like a couple words over and over again. You think that also can change something? Listen. You have to take money from him in order to pay gas and necessity for living. That's how you are. You're not better than other guests. You're not doing well. You're not even retirement. Is that even in the picture of the conversation? How long would it really take to save up money for retirement? Decades. But like, I feel like I still have time to do that. No. Because you'll be in bad debt forever and the indication of that, the proof of that is that you are getting gas money from your boyfriend. Sure. If he helps, sure. But I mean, even if I start over time. Are you sure that's the financial problem if he has to give you money? His current girlfriend. He likes to help me. It makes him feel good. That is not the point. Was that my question? Was my question if it makes him feel good? Or if he wants to? No, it wasn't. It's not being a dumb fuck. Are you sure you can say that you were the problem in the previous relationship when in your current relationship, your boyfriend has to get you gas. Does it have to? He chooses to. He said that you wouldn't be able to get gas without it. And I wouldn't. But he chooses to give it to me. He chooses to out of your necessity. So you cannot tell me that you were not a problem at all in this previous relationship financially. I don't see myself as a problem in my past relationship. I really don't. How do you see - Because I provided everything for her. I paid for everything for her, so I don't see myself as the problem financially in my past relationship. If she didn't have money for something, I paid for it. And then when I didn't have any money left over from paying everything for her, it was in a problem. It was I overspend, I don't know how to save my money, because all the money I had went to her. Every time-- - How do you feel that that is now you in your current relationship? - I don't ask you for money. - I don't ask him for money. - Why does he give it? - Because-- - Now because it makes him feel good, how does he know you need gas money in that moment? - He gets in my car. - I mean, he gets in my car. Like, he can look and see where my glass is. - When you guys are driving together, he gets gas money. - He can see when I'm low on gas and be like, "Oh, here, fill up." Like, I don't ask him. - It doesn't get money, Kim. - Anything else. - No. - It doesn't buy meals. - I would get coffee. - That's normal, though. - It is normal, but it's still money, especially if you're still going out to eat-- - He'll take us out to eat. - And then you're still buying food. - I mean, yeah, groceries, yeah. - Going out to eat is not groceries. Dummy, stop. - I mean, I'll buy coffee and lunch sometimes, yeah. - Uh-huh, instead of putting it towards that, which was your entire argument. - But I put some towards that. I don't-- it's not like I'm not putting anything towards it. - Minimal multi-payments is basic. - Yeah. I'm doing that. - I can try calling him as a work right now. - You might not answer her. - Okay. - I mean, he might not answer. - Yeah, let's try to call him. - So try to call him and find out why you are arguing me on you. - I'm just letting you know he might not answer. And I have terrible service here. - Oh my goodness, this is every excuse in the world. You're so-- - And excuse that I have terrible service? That's the building. - Just call and if it doesn't work, it doesn't work. My goodness, you don't have to-- - Oh my gosh, you're so difficult. - Hey, can you hear me? - Yeah, hey, what's up? - Hey, someone wants to talk to you, okay. - Hello? Why the fuck are you having to give your girlfriend money? - He doesn't have to. - Uh, I'm just nice, I'm just nice like that. - Yes, you're nice, but the fact that you're having to-- - He doesn't have to. - Shut up, am I talking to you and am I talking to him? - Talk to him. He's going to talk to him. - I don't feel obligated at all. I really do it out of the kindness of my heart. - Okay, but if you didn't do it, she wouldn't be able to afford gas. - I didn't know that. - Don't you have trauma in your previous relationships with financial issues? - Absolutely, absolutely. I was in a toxic relationship for over half a decade and I spent a long time helping her pay off her debt. - Hold on. - He's 24. - He'll be 25 this year. - Okay, so you had to pay off all her debt. How much of debt is your current girlfriend in? - I'm not sure, we haven't really talked about that. We've only been dating a couple of months now. - I agree, it is pretty early for the big and dev finance talks, but because of your previous issues with your ex, would that not be something that if she cared? If she loved you, wanted to kind of get out of the way so that you weren't going down the same situation again. - There's just no reason to talk about it. - How much debt are we talking here? I didn't really know that like she was in debt. - $15,586.97. She has one, two, three, four, five, six, seven individual debts. Her savings is negative $15.00. She owes to her savings. So that's an additional debt right there and she spent 1,000 hours more than she made last month. - That's more debt than my ex had. Why is it as can she hear me? - She can. - Yeah. - Is there any specific reason that you were holding this for me? - No, there is just no reason to talk about it yet. - But you know his past. - So why bring it up right now? - Well, that's the thing you did. You knew that I spent over half a decade already helping somebody pay off their debt. - Well, I was never going to ask you for help to pay towards my debt. So that's why I wasn't going to stress you with it. - Until you can't. You lose your job with something happens. He's your boyfriend. - Exactly, we're together. But like this is kind of a big thing to keep for me. - But I wouldn't put him in that position. - Why did you? - I said, I'm not going to make him pay for my debt. - But why didn't you just tell me? I didn't want you to reconsider things. - Isn't that manipulative then? - This is a big thing to reconsider. - But it's not your problem to deal with. That's why I was just going to handle it. - You're right, it's not my problem to deal with. I've dealt with this shit for too long. - And it's weird that you're hiding it. - I was ever hiding it, just never talked about it. - You never talked about it, but you did not engage. - I did not see a reason too. - Yeah, this is a hell of a thing to hide. - I didn't want to stress you out. - That's, hey, I'm just going to let you know. That's the excuse that every single person that has come out in a couple of this episode who ends up hiding even more things in the future. That's the exact excuse they use. I didn't want to stress you out. - There was no reason for that. - Just going to let you know, that never ends up well. - I just don't have the energy for something like that. I just don't. - So, like, I do agree, maybe we didn't need to have the full conversation in a traditional relationship this early, but she knows your past. She's able to speak very well on the struggle you dealt with. Would it not make sense in your opinion that then she would have brought this up knowing your struggle in the past? I was in a relationship where I never seen my own money. So, I just don't want to hop into something like that again. I understand that you say it's not my problem, but we're together, it's going to be my problem. - But it's not your problem right now. It's not something-- - Yeah, but he knows it could begin the future. - What about the future? - But I would never concern him with my problems. - You can't say that. - You have to, we're together. You have to concern me with your problem. - I'm sure, if we were about to make a big investment together, yeah, then I would be like, hey, we can't-- - Is it you guys dating and investment in each other? - Financial investment. - No, it's the whole picture. - But we don't have any trust between finances or anything right now, like everything is separate. - But that's still gonna put a hole in any of my future plans. If I do want to make an investment. - But that's so far future. - What? Are you kidding me? - My debt right now doesn't like affect you. And I don't-- - No, but it will in the future. If we're gonna stay together, why don't you understand that? - And then we could deal with it in the future. But right now, it's not something that's a problem. - Are you serious? - No, it's not something that's a problem. - No, I can't do this. I can't do this. - I-- - What? - I have another thing to tell you if we're being honest about debt. - Yes, what? - Whenever me and my ex broke up, like I said, I had to like immediately get my own place. So I had to break the lease at my old apartment. And so they're wanting like $2,000 for like-- - I didn't have that debt, that's additional. - Well, it's not like an actual debt. They're just saying, "Hey, we want you to pay for this." - That's a debt! - But it's not only do you have other debts, but you have a debt with your ex? - They want me to pay towards the apartment because I broke the lease early. And I feel like I shouldn't have to do that. - I shouldn't have to. - I don't think there is no more, I thought. - I don't think there is no more. - That's another worry. I thought you were gonna cut off all ties with your ex. I don't understand, this is a lot to hide. I, we gotta have a serious talk because this is really affecting me right now. I don't even know what to say. - Well, I'm just gonna let you know, 'cause I guess it's this honesty moment. Her ex is currently threatening her with a lawsuit, but she didn't want to tell you. - She says she'll sue anybody. - I know, but you specifically didn't tell your boyfriend. - Because she's crazy, so why am I gonna be like, oh yeah, my ex said she's gonna sue me. If I don't pay her, she would threaten anything. - But you just won't tell him anything. - Because why would I stress him out? - Why would you tell? - Why would I stress him out? - Stress him out, that's your answer for everything though. Just you're allowed to say things. - Because I'm gonna handle my shit. I'm gonna handle my own shit. Why am I gonna put that on his plate? He, there's no reason for him to know and stress out about it. That's my problems. Look, that's a lot of debt, and I know around what you're making right now. This is gonna take a long time. - Yeah. - Yeah, but I would handle that. I wouldn't ask him to help. - What do you think about her negative balance in her savings? She actually owes her savings account money. - This is all news to me. - I'm already in shock, I just. Like I didn't even, 'cause she never asked me for money, I just, I knew she was on her own. I didn't know she had debt, though. I just, I was just giving money, 'cause like, oh, you know, she's paying rent by her, so, like roommate. - See, that's what I mean. Your service is terrible in here. The call price dropped. - You still with me? - Yes. - How, you want, can you repeat that last sentence? - I just knew that she was on her own and didn't have any help for her roommate, so I was just, like, I didn't feel obligated. I was just giving money to be nice. - Yeah. - I didn't know she'd, like, actually needed it. - Well, you're giving her that money to be nice. And as you were saying that, a notification for Pokemon Go popped up on the phone. And usually, when that happens on the show, I haven't looked into it yet, but most guests spend $100 to $200 a month on Pokemon Go. - I haven't played Pokemon Go in years. I just never deleted it. - Okay. - I have some shinies on there. - Also, I did just find out that, even though we're reimbursing her on Venmo, it actually might be a net loss because apparently she owes Venmo money as well. I didn't know that at either. So it just keeps stacking. - I haven't used Venmo since I'd high school. - What else do you owe? - I think that's it. - I don't think that's it. I don't think that's it. - How do you think it is? Are you sure? - I think so. - This dude had to deal with a shitty relationship in the past where he was paying someone else's debt. I don't think you have to tell someone two months in, well, two months in a day. I don't know, that is when we start having conversations, but even still, like if you wait a little bit longer, it's not the end of the world, three months baby, but you know his problem. It would have only been fair for him to know what is going on in your life and tell him that you're working on it. Yes, not asking for help from him, but to let him know what's happening based on his past. What did you agree with me, Guy? - I agree that I've had my kindness taking advantage of and I don't want that to happen again. - I really don't. - I never asked him for money. I never asked him for money I never would. - In the future, whenever you said it's not a problem right now, but when it is a problem, that's what it'll feel like. - But I wouldn't put that on your plate. - That you can't say that, you can't promise that. You don't know what happens in layoffs and stuff. - You can't say that if we're together. - Listen, before I let you go, I just want to know what's going through your head right now and I'm sorry that you're learning this all at once. - No, no, no, I'm in shock. I, you lost some trust points with me. I need to have a serious talk with you. I'm heartbroken honestly. - Yeah, that's fair. That is fair. She said she's sorry with a smug non-believing face. - How's that smug non-believing? - I am sorry, I didn't want to stress him out. That was the whole point as I didn't want to stress him out. Now he's worried about it and it's not his problem. - All right, we'll have a good rest of your day. - YouTube. - What the fuck is wrong with you? You told him you were going to the doctor today to hide that you're coming on financial audit. Like all this shit, like what is wrong with you? Can you tell the truth about anything? - Yes. - What are you going to the doctor? - He's your boyfriend, you can just say things. - I dealt with my ex for so long. Your answer was just about because he didn't need to know. That's what you're starting to say. - He didn't, I didn't want to stress him out with it. - Oh, I didn't want to stress him out. - That's what's bullshit. - That's what you lied about where you're going. You couldn't just not, you couldn't just not said where you're going, but you literally lied. - Why not? It worked. - You said you were going to the doctor, so you-- - 'Cause I don't want to work. - Huh? - If I'm not going to work, I have to say I'm going somewhere. - But you had to lie about where you're going. So you lied. - Sure. - Because I didn't want to tell him I was coming here to do this. - Yes. - For this to stress him out. - Yes. - That was the whole point is that I didn't want him to stress out about my eye problem. - You don't get to choose that for him. - But that's my problem, so it's not his problem. - It actually is his problem now that his girlfriend is lying to him. - Now it's his problem because you wanted to call him. It wasn't his problem. - It's been his problem. He just didn't know because you're lying to him. - It was not his problem. He was lying to him. - He was lying to him that he can't trust. - He can. - No, you're literally saying that if you cheated on him and if he didn't know, it wouldn't be his problem. But the moment he knows that it's his problem because he's not the same. - Because he's not the same. - Because he's not the same thing. - No, that's not the same thing. - Like you were with your ax on it. - And I'm not a cheater. - Uh-huh. - Anyway. - You're lying about pretty much everything really not helping her through case there. - I, if I'm the bad guy, I'm the bad guy. But I, look what you just did. The dude's like, well, because you wanted to call him. - Yes, but he should have known this information regardless. - And he would have known eventually. - Eventually, eventually never comes for people like you. - He would have known eventually. - You just say the same thing. You just immediately, you can't rebut what I say. So you just say it again. - I feel like, I just feel like there was no reason for him to know right now. It was my problem to deal with. And I was going to deal with it. In my time, the best way I could. - If you're on this history, it's kind of gross. And he agrees with me. And he agrees with me that you should have told. Well, yeah, of course, he's going to say that. Of course, he's going to say that. - Well, there you go. That's your partner, the person you're building a life with now. - Yeah. And I'm. - Who thinks how you did this was wrong? - I can't fix it now. - No, but you keep defending it. - Because what else is there to do? - I can't. - And what's the alternative? - Tell you what have told him earlier. But you keep defending that you didn't. - Okay, well now he knows. So now it is what it is. And he knows and if he stays with me, then great. We can work past it. And if this is too much for him, then. - If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered meta and YouTube to pay millions for the role in designing and promoting addictive platforms. They knew their apps could contribute to anxiety, depression, and body image issues. But did not share those risks while prioritizing profits. The recent historic verdict underscores the consequences of those decisions. Now Morgan and Morgan is stepping up to hold these platforms accountable for the harm they caused. Click the link in my bio to take a short quiz. You may be entitled to a potential recovery of over $1,000. For a one-time payment of $500, you'll get our entire Hammer Elite catalog for life. And a limited edition Hammer for Life Box packed with limited edition merch you can't get anywhere else. Plus, you'll get access to our exclusive for our Hammer Elite Day livestream on June 27th. You'll get three exclusive dedicated shows every single day Monday through Saturday. And to celebrate the app launch, I'm offering 30% off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment below. This is the best membership you'll ever join. And that's a promise. - What do you think your financial score is? Zero to 10 and then we gotta see where this actually is sitting. - I did take the test. - I'm proud of you. - I got a 4.5. - Really? - Yeah. - That impossible, negative savings. You answered wrong. - No, I did. - If you wanna take the test and answer correctly, get your Hammer Financial Score, do it. For free at CalebHammer.com, that's literally impossible. - 4.5. - But shut up for a second. So you're so obnoxious. - Sorry. - I don't see returns. So it doesn't make sense. Okay, what? Get it at CalebHammer.com. It just takes a few minutes. It's free and you can see where you stand in the world of finances. And if you don't wanna be like her who runs up on the show, so you can answer the questions correctly. Download the Dallowized Budgeting Appless in 10s of monthly active users use it for a reason. It helps to rank that shit. So you can actually make the cuts you need the easiest way possible. It is changing lives. So get your free trial, dallowized.com or just download the app. Click the link in the description below. Remember, most people take the annual version because it saves a lot of money. And you get my detailed 30-day meal plan that we have custom made to stick to a budget. And it is for every snack, drink, meal. For a full month that you can repeat, I will sign it and mail it directly to you. There you go. - Thank you. Do you go to the gym? - Mm-hmm. - You do? - Mm-hmm. - Do you skip leg day when you go? - Yeah. - Do you really? - I mean, I just do-- - Purvisfully? - I go there because it's too hot out. So I just do the treadmill. - But only do treadmill. - Yeah. - Maybe you should focus on leg day. - Okay. - I don't know what to say. - Your ankles are like that big around. - Is that true? - Yeah, your ankles are so small. You're really-- - You're top-heavy. - You're really top-heavy. - Well, yeah. I got a fat belly. I don't know. - You're just-- - Is this a bad chat? What are we doing? We're doing here. Okay. - I think-- - Let me know, chat. - Yeah. - I think she's trying to find a way to get back at me after I just ruined her relationship because she's a piece of shit. - She's a piece of shit. - I'm not a piece of shit. And the relationship's fixable. - Oh. Wow. You'd be great to be with. - It is fixable. - In a dream. - Everything's fixable. - Okay. So you can't borrow anything from what I think here is cash-app because you've already hit your max. - Yes. - That is cash-app. - Why are you owing? Why are you at that overdue, by the way? - I wish I saw that before I could even talk to him. Well, shit. Okay. Listen, you're not only at that limit of $600 that you owe cash-app, but you're over to your payment. - Well, my limit used to be higher. My limit used to be. So that's okay that you're not paying the sun time? >> No, I didn't say that. I'm just saying. >> Then why was that your response? I'm confused. >> You're responsible for never. >> You said I'm at the limit and my limit is- >> Well, you're at the limit now. I don't care what it was. This is what it is. What do I care about was when is is? >> I'm saying you know. >> Thanks for the fun fact. I remember that in trivia about your life. >> Okay, thanks. >> Because this is maxed out today and you're not paying it on time. So if you're not paying it on time, you're at the actual max today. No, you're not doing better than guessing. He doesn't even know that you're behind the payment. So what the fuck is this another hide? It's another hide from him. You're hiding as you're not even making the minimum monthly on time. When you even said, oh, so your soul by money is going towards paying debt at the beginning. >> Fuck you, it has passed. Do! Overdo! >> Hmm? >> Why? Why didn't you pay? >> When you needed to. When you were supposed to. >> I had other bills that came first. >> Oh, going out to eat. The critical necessities. The La Booboo or whatever the fuck you're getting in pop, Mark? >> Funko pop. >> Funko pop. >> That's right. >> No, I don't go to pop, Mark. >> Okay, Funko pops. >> Funko pops are different. >> Funko, okay. Very good. You're getting your Funko pops that is more important. >> They're like $15. >> I mean, you told Colton in the green room, I'm like, oh, I hope my reimbursement comes to cash up today so I can put-- >> I said if it went to cash up, that would be great. >> That would be great. >> So that it pays that off so I can borrow more money. >> That'd be great. >> Yeah. >> I put that part in, but. >> I enjoy my Funko pop collection. >> What was more important than making a payment towards this maxed out? >> I had other bills. I had other bills today. >> What? How can you say that if where your money is actually going is going out to eat in other bullshit? I had other bills. >> Oh, my God. >> I swear, this is how something goes for you. Ask you a question. And you're like, well, the answer is this pen. And I'm like, okay, well, tell me about the pen. Well, the answer is this pen. Like, you're only able to say what you've already said. You can't go into further detail about anything. You are incapable of literally getting past the first brain selling your brain. >> I'm telling you, I'm giving you an answer. >> No, no, no, no. You're literally just repeating the same thing over again. I said, why did you make a payment? >> Well, there's more bills. >> Okay, tell me about your bills. What's happening? Where's the money going? >> Okay, my other bills. >> What are your bills? >> My other bills, I have rent. I have my car payment. I have car insurance. >> Okay. >> I have internet. I have electric. I have my phone. I have to put gas in my car. >> Well, he pays for that. >> Not all the time. >> He pays for that. Not all the time. >> He mostly pays for that. >> Come on, even he was busy saying that. >> I sure. He doesn't pay for gas all of the time. I still put gas in my own car. But after all of that said and done, I then will go out. We'll go out to eat, Funko Pops, Bullshit, Miscellaneous Dumbassery. >> I've paid all my bills though. So why can I know it? >> You have not. You owe the 600. It's maxed out in your past due. You literally cannot say you paid all your bills. This is a bill. >> It'll get paid eventually. >> Okay, so there's the eventually. The same eventually, that is, you will tell him. >> So you see how valuable that word eventually is for you? >> Everything comes in due time. Everything comes in due time. >> What is that due time? >> Actually, in fact, the due time was officially due already. You just chose not to. So the due time has already happened. >> There were things that were more important than that. >> Funko Pops. >> There were other things that were more important than that. >> What? You can't describe. >> I mean, you talk about rent utilities, but you're making it sound like there's something else. >> Well, no, it's just that. >> What are you hiding? Is that him? >> No, that's not him. >> Why is it on rent? >> So I can hear when it goes off. >> You're one of those in public, allowing loud noises to just. >> Loud noises. It's public. Dude, God forbid someone has their ringer on in public. >> What is wrong with you? >> It's not like I'm at a library. God forbid I have my ringer on. >> Let me be clear when I say you people. I don't mean black people. >> Okay. >> But why do you people? >> Go ahead. You people? >> No, I care about public spaces that you're in. >> Why can I not have my ringer on? >> Because us. >> Is that a crime? There's a setting. You turn it on and off. >> But it's actually not a crime. >> It's a choice. >> You're making this outfits choice. >> How is that selfish stuff like a ringer on? >> It does. >> Dude, you have to turn the ringer off when you get your phone. It comes on. >> I feel the buzz. I feel the buzz in my pocket of ringing. >> Okay. My phone's not in my pocket, so I wouldn't feel a buzz. So I would have the ringer on to hear it ring with my ears. I mean, the ringer is in public spaces. The rest of us have decency and try to keep it nice and peaceful for everyone else to exist. >> My God, is it going to ruin your day that you heard someone's phone ringing? >> It's not just about ruining it. It's the mindset. Do you go on speakerphone in public? >> No. >> Listen, the ringer itself is in the worst thing in the world. It's just the overall behavior. And I thought you were really going down the pipeline of like all that other bad stuff too. But I'm glad you don't. Because it is really bad when people disturb, when people just are selfish. >> And I try, exactly, that's the whole, that was, see, that's why I didn't want to tell my boyfriend in a sense. And whatever, I try to not stress other people. I am a people, please, are in the sense of like, I want to make others happy. I want to make sure other people are comfortable. >> Which is why you hide things from the boyfriend. You don't tell him anything. >> So I'm not going to stress him out. >> What you do is suck him. >> And that makes him happy. >> Exactly. So you think you can just hide things from him. >> So if that makes him happy, great. >> Yeah. >> And you. >> And I do. So yeah, if he's going to send me money for gas, after I give him some $3,000, then yeah. >> And whoever you cheat on with him will also know how good it is. >> I would not cheat on him. He's the best boyfriend I've ever had. He's a golden retriever boyfriend. >> Two months in, three months in. >> He's literally so sweet. He's such a gentleman. No, he literally cheated like a princess. >> Okay, yeah, I don't think he's very happy with you. >> Well, yeah, I probably isn't happy with me now. >> Nor should he be. >> Sure. >> And I don't think enough glock clock will make up for the fact that you are a hider. I don't know, all men are invincible with a little glock clock. >> Yes, but then the post not clarity. He realizes he has a bed. >> Okay. And then I. >> Girl, see how, okay. The thing is, and this is what's so annoying is like we told you to put it on mute. The also other thing is, it's not in your purse. It's right there. It can be on mute. You are someone who doesn't care about the environment. >> Just said to call my boyfriend, so you just gave me the phone. No, you just gave me the phone. >> Yeah, but you could have muted it after the last call. >> Okay, well, sorry, I didn't mute it. That's just how I keep the setting up. >> Could mute it. >> Now, exactly. That's what I'm saying. You don't recognize the space you're in and how it's inappropriate in room that your phone is going off in the middle of filming this episode. >> Okay, what is wrong with you? >> Okay, well, I turned it off. >> Good, after I had to tell you after the second time, because you had no semblance of courtesy. >> It was, that was my ex. That was the ex. >> That was the ex? >> Yeah. >> Okay, well, we'll call him in the post show then. Where are the, oh, your ex. That was my ex. >> Of course, she wanted, is she going to threaten to sue again? >> No, because, because she knew I was coming here. >> She didn't know she was coming here, but not the current boyfriend. >> She didn't want to be, well, because a lot of my finances were involved with her. >> I'm going to call the boyfriend and tell him that you told the ex her coming, but I am. >> She, she wanted, she didn't want to come on the show. >> Well, she's your ex, why the fuck would she be here? >> I'm not saying I wanted her to come anyway. I'm just saying. >> So she just called you and said, I don't want to come on the show. >> No, she's, she knows she's because she knows a lot of my money went to her. And God forbid, she looks like the bad person. >> So to confirm, your $600 that you owe to cash-app is because of her. >> I borrowed a lot of money. >> You are behind on making the payment because of her. >> You chose a thoughtful pop over it because of her. >> Yeah, you're a line. Let me see a picture of her. >> She's very mask. She's very, oh, I knew you had issues. >> She is tweaking out. Oh, my goodness. Yeah, she's crashing out, dude. >> Oh, no, no, that's fine. >> No, dude, she's crazy. This was us at the Renaissance Festival last year. She's very mask presenting. >> That is a man. >> She wanted to transition. >> That's a man. >> That makes one sense. >> Show me a picture of the current. >> The new boyfriend. >> Oh, we'll hear. I'll show you this here. I turned it around so it wasn't on camera. We have the Polaroid. >> You're so f***ing gay. >> Boy, it's cute. That's us. He's so sweet. He's like 5/11. He's like a goofy white boy. >> That must be it, right? >> He's like a goofy white boy. I love him. >> Okay. >> He's so sweet. No, so yeah, my ex really wanted this transition. >> I'm just going to say listen. >> She got it, got it, got it, got it. >> Dude looks like what? Every guy who complains that he can't get with anyone looks like. And he just broke up with a 5-year-old or a 555. >> What do you mean by that? >> Five-year relationship and then got her. Which means that if you're out there not getting girlfriend in a weird insult, it is your fault because everyone can get someone to that was proved. >> He's so sweet. He's so sweet. >> I realize how she doesn't say handsome. It's all he's so sweet. >> No, he is handsome. I call him my sweet angel baby boy. >> He's so sweet. >> Yeah, that's what every guy likes to hear. Oh, you're so adorable. >> He is. >> Okay, zero dollars in cash. I've went down from 25. So that's great. >> Smoking more. So that's what we do instead of paying down our debt. >> It helps with cash. >> Because that's 20 bucks. >> It helps with stress. >> Okay, well, you're stressed out more because you have a nicotine addiction. >> It helps. >> When I'm stressed out more because you have a nicotine addiction when you're not hitting the bait. >> Nicotine helps. >> When I'm stressed out, you need to hit again. And you have to hit. when I'm stressed and I take a hit, I feel better. - Yes, yes, that is true. And then that cost you $20 instead of paying down your debt. - They last me way. - Which is adding more to stress. - They last me, a vape will last me like two weeks. Like paycheck to paycheck. - Is that a lot? I don't know. - Paycheck to paycheck, every vape. - No, because most people will go through a vape. - Paycheck to paycheck vaping. - No, most people will go through a vape in like three to four days. Like mine lasts. - Is that your brag is that you're addicted only twice a month. Go just off your entire life. - Well, there's some people that smoke a pack of cigarettes a day. - Oh, good. There's people that do heroin. This doesn't make that good. - Sure, but I've seen that. - Like it doesn't make sense to me. There are people on my 100, 600 pound life. Doesn't mean I'm healthy. You see how that works? - Leg day. - Leg day is not gonna make a break this, but I get it. Cash app, well, you sent money in. Then you went and said, got some bullshit or gas. Hard to sell with that price. - Pro, for where is it? - Shut. - I'll tell you if it's gas or bullshit. - 7-11. - 7-11, that was probably an Alonnie. - Alonnie, you Alonnie, why Alonnie? You can't afford to pay back a loan to cash app that you use it. - Alonnie's the best, actually, trying. - Actually, for what it's worth? - This one. - I'll give you this. Gamersupps. It's Gooney. - We'll play this phone. - Oh, that's JoJo's? That's cute. See, you know what? I don't even know this flavor personally. - No, what do you know about random? - Do you know any anime? - No. I saw Arcan. - Arcan is really good. - Recently. - Arcan recently. Oh, wow, it's been out a while. Arcan is very good. - It's a very different art style, which is really nice. - Well, that's okay. We're not reviewing. - Sure, sure. - But the thing is that is a lot better. First of all, it does. It tastes better than Alonnie. We did blind taste test confirmed and our guests say so and people in the audience say so. - Ocean! - Not only that, but after you figure out what flavor you're like by getting the free samples with Code Caleb and the link in the description below. Once you get a pack like that, that is 40 cents a serving with my 10% off that you get with my link below. So that is 40 cents a serving to make your energy drink at home. No more going inside and getting some bullshit. Figure out flavors you want with the free samples and then get the delicious stuff. So you're doing that now instead of stepping in, stopping in 7/11 and getting bullshit, okay? Who's texting you? Who's blowing it up? - My ex. - She like left me a voice message and she's like blowing me up right now. - Let me see. - Um. - What on? - Okay. - So yeah. She sent all that. I don't know what's in the voice message. - Take off your phone. - What the fuck? Oh my gosh. - I'm telling you, she is crazy. - Okay, okay. Okay. - I know what you're talking shit about me on the internet. - See? - Someone called me from Caleb. You tried to call her. Oh, and get her on. Oh my gosh. - Yeah. - Wait, wait. - Hey, what the fuck? Pick up your fucking phone. Are you an Austin? - I heard her. - She doesn't sound very mask. - No, she doesn't. When we would go out to eat-- - If I would see a guy that looked like a man and came out with that. - Yeah, yeah, yeah. I thought I got that. - I thought you would go out to eat if we were at like a dinner table and the waiter would come up and they'd be like, for you, sir. And then she would start, she would start talking and then be like, oh, I'm so sorry, ma'am. But she wanted to transition, she wanted to be a boy. So then it would like hurt her ego that they realized that she was a girl. And-- - Wait, your pink-- - Your pink or a credit card via this. Oh, well, I guess this isn't Jelona account. So that's actually okay. - Yeah, no. - Are you transferring money in? Foggy, dude. - Yeah. - What is it? - It's a vape shop. - Oh my gosh. Okay, there we go. We're at 50 bucks now. 50 bucks that I could have gone towards you, Dad, did you refuse to pay? You won't even make a payment on time. You won't even make a payment on time, but you'll spend 50 bucks on vaping. Go for yourself. Everything you've said has been a lie. - I can see that. - Loan brought out. You took 20 bucks in. You're-- And that was to get the fake. And then you went to Don Donuts, eighteen dollars there. - Okay, Donuts for the office. - All five places is actually fair. The first fair one. - Yeah, 'cause I had to get a change of address when I got my new apartment, so yeah, I did have to pay for that. - Yeah, too. I don't think anyone really gets it. - Well, on my license, it had my old address. - Well, my license has five addresses ago. - Well, that's-- Isn't it, like, if you get pulled over and that's not up to date, they can get you-- - Oh, trust me. They have not done anything with that. Love your cops. - Okay. - Keep making sure nothing happens. - I was told that it was important that, like, it's actually true. So yeah, I got my address. - My address is the address I moved down here eight years ago. - Oh, maybe you should update that. - Okay, we'll own a drawdown. - Your Tesla will get followed today. You'll get red flagged. - Mostly just transfers on this page. - Send me money to other people or getting money in from some people and sending money to some people. What do you do with that? - That's to my-- - That it was more than likely to my grandma. - What? - So my grandma raised me. - Hey. - My mom raised me. - Well, no, no, no, no. My grandma raised me. And so whenever I moved out, like, I had planned to live with my grandma my whole life. And so whenever I left-- - Weird. - We were best friends. Like, we were best friends. I left her to death. But whenever I had moved, it really hurt her. Like, it was, you know, like, baby bird leaving the nest, whatever. She was happy to see me grow and to see me go on with my life. - Okay. - But anyway, so after I left, she really went downhill. Like, she went down a really bad-- - I'm really bad. - I want to, I tell her all the time because she only gets so, so, so, security. So I tell her-- - How old is she? - She was born in '64. So she'll be-- - Don't make me. - I don't know, math. She'll be-- she's in her 60s. She's like 63. I think. - Oh, grandma. - Okay. - Yeah, yeah, yeah. Everyone in my family is really young. - Oh, getting more along is too. And then VTG. - That's my apartment. That's my apartment. - Oh, that scooter's coffee. - I need that. - I need that. - Don't believe it. Calm down. - Scooter's coffee. That ain't your apartment. - Bitch. - That's it. - Doing that will not paint down your debt. - I get points. I use my points most of the time. - Well, no. - I get from a check-in account. So literally no. - I get more points when I-- - Use a check-in account? - Well, I'll scan. It's like you can scan a QR code so if you pay-- - But you're not paying down your cash. - You're not paying down your cash. - Step. - But you're using your cash-up check-in account. - Oh. It's so stupid. How much do you give your grandma? And what is it for again? You said she's going downhill, but what does that mean? - My grandma-- - It's giving money. - Okay, so whenever I moved-- obviously, my whole life was in Maryland. And so when I moved-- - Why do you have to give her-- - I have to give her money. - I'm telling you. I'm telling you, let me-- - Why does that have to be such a big lawyer? - Why does that have to be such a big lawyer? - I hate your big lawyer. - So whenever I moved, I had too much stuff to take with me. We drove from Maryland to Texas. I had too much stuff to take with me. So my grandma said, "I'll just get a storage unit here." And then whenever you want some of this stuff, you can come get it. Cool, whatever. So as she told me, she was like, "I'll pay for the storage unit. Don't worry about it. I'll handle it." So she kind of went off the rocker and she was going out with her friends and drinking and doing drugs. And she was living her life. - What? - Yes. - My grandma. - She was doing drugs lately. - A couple years ago. - Yes. - Yes. - Yes. - What drugs? - She was smoking cro-- - Fuck. - My girl. - What the fuck? What the fuck? - Was at the bar. She was at the bar with some of her friends. - What? - Her grand kid moves out. So she goes and just starts smoking cro-- - There were baby steps. - There were baby steps for sure. Like, she-- - Oh, you get to that. - It's the ladder. Like, so she was going to the bar more often. And so she was meeting bad influences and our small town in Maryland. Our small town in Maryland was like really bad for-- was really bad for-- And so she fell into the bad crowd. She, like, she legitimately fell into a bad crowd and everyone around her was smoking cro-- And it was cheaper. - She just started smoking. - Yeah. - Yes, at 60 years old. - So I told her, I told her, I was like, girl, you have-- She didn't talk to me for like a year. So she borrowed money-- - She just went off the-- - That literally-- - Yes, no, so she asked me. She texted me one day. She was like, hey, can I borrow some money? I have some parking tickets I need to pay up or else they're going to take my license. I said, sure, I'll help you out. And I sent her some money. And she asked for like 100. And I only had 50 at the time. She was like, that's fine, that should work. She told me that she went and paid these tickets and that they let her keep her license. And then I asked my mom, I was like, hey, that's a little shady. Wouldn't they need the full amount? My mom was like, yeah, they would need the full amount. They wouldn't let her pay partial. So I asked my grandma, hey, what did you actually do with that money? And she like, stop bleeding out money making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds. Sometimes thousands of dollars that could be going toward actually paying down debt instead of aligning some banks 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 triple-digit 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. 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. 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 Calebhammer.com. And remember, you still got to do the work. Starbucks is bulls*** and a waste of money and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents of serving. Honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Batten Fatter. The number one ranked energy drink is Gavos. Literally the cherry for you. - This flavor is insane. - 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. - Bust down crying on the phone. She was like, I was doing drugs, I'm so sorry. I was ashamed of myself. But because she went downhill like that, she wasn't paying on the storage unit with my stuff in it. - Oh, what the fuck? It went to auction three times. - Oh my goodness, 'cause she was smoking. - Paying on it and she was spending her money elsewhere. So I had to pay like $500 each time because I didn't want to lose my stuff. Like, I might decrease her in there. - Well, just shit going in front of things and get rid of the rest. I don't understand why you're holding on to so much bullshit. But go ahead. - I mean, that's my whole, like, that's my everything. - It's tough. - But that's my everything. - No, yeah, what's wrong with America? - It's tough. Just bring down a couple of important things. - And I did, I did bring the important stuff with-- - Oh, well, there you go, then sell the rest. - But that's my shit. - No, it's tough. No, who cares? - She, that she quit. I really do believe it. 'Cause like, she's quit smoking. She's quit cigarettes before like, I really do believe her when she says she's quit. So I trust sending her $15, $20 and she literally-- - What is this credit card? - That's like my only credit card. That's my-- - What is it? I don't know what to title it. What kind of credit card is it? - It's just a credit card. - It's not my credit card. - It's through my bank. - What bank do you have? - Amaco. - Okay. - Fuck you. - You asked. You asked what kind of credit card is this? - What kind of credit card is it? - Amaco. - Amaco credit card. - Oh, my fuck shut the fuck up. $481 and 52 cents. Yeah, $500 credit limit. No shit, you're not spending all your money. You can't, you can't, you can't. 13.65, they're still like, shut the fuck up on there. - Where's that interest rate? Minimum amount to payment 15. And you couldn't figure out statements to save your life. - I don't know. - No, I tried. I tried. - Yeah, I'm sure you tried so hard. - Anytime it would like, there wasn't a download option. There wasn't, there wasn't. - Well, that's payment balance was lower. So you did spend on this. - What? - You lying piece of shit. Are you saying you don't do. - I'm sure, I don't. I am sure. All of a sudden I think it's prescripted by a doctor. - We usually do like soft-launched near you, right? - What are you talking about? - Like crap. We usually like just like. - No. - Have fun guys. - No, no. - So that we can come in there and like bowl those housing or something? - No, it should, no. It's not like that, it's not like that at all. What do you mean? What do you mean? Like what do you, are you implying that I have done. - Well done, but you know, like. - That's kind of your to go for a black person. - No, no, no, no, no. - How is there a type in white people here? - Okay. - Where we put it in your community. - Oh, like gentrification type deal. Like, well you know, like. - What? - You think gentrification is crook. - No, because like you would have like slums where like they crowd all these people to make more money and then pump it with drugs and no grocery stores. But then. - I was making a reference to a different. - Appedemic. - Yeah, it all goes hand in hand. - It was a long time ago. - Hmm. - This is the big thing, the big thing. - Whoa, she ate it. - Yeah, it ate it. - Yeah, it was booming. Yeah, it was booming for sure. - Boom industry, your grandma would have been rich. - I, I, or dead. - No. - Oh man. No, she's still kicking. She's still kicking. - With a lot more energy than before, right? - Yeah, oh yeah. For sure. - Blocked it all times. - Yeah, she's running for sure. - Yeah, to my knowledge, she said she stopped. So, yeah. - Yeah, you're getting five below gas bullshit all on that credit card. - Five and below was for Christmas. Five and below was for Christmas. - What did you get from five below for Christmas? - They had, they had like these tiny gingerbread kit. - Oh, okay. - It was more on Christmas party. We had a competition who could build the cutest gingerbread house or like, you ever see that game where you get the Seren wrap ball and you have to like, unwind it and there's candy in it and stuff like that? I went to five and below, oh, okay. Well, yeah, it's a, it's a Christmas game. And so I went to five and below to get stuff for Christmas. - Five and below. - Five below. That's the name of it. We had always just, - No, it's five and below. - The sign says five below. There's no, yeah. - Is it five below or five and below? - I've always called it five and. - I've always called it five below. - But the actual name is five below 'cause there's a degree symbol. - I don't know, I don't know. Okay. - Anyway, but I went there 'cause I knew it was cheap and so I got my Christmas stuff there. So I got my Christmas party. - Did, okay, so gingerbread house. - Yeah. And then like candy and like little things for the Christmas party, yeah. They're bars. - Little prizes. - On the windows of the gingerbread house. - No, one was like a Minecraft house. They were themed. It was like Oreo theme and like Minecraft theme. Little gingerbread houses. It was not a jail. - It was yours. - It was not. - Oreo themed. - I picked the Minecraft theme. Actually, little gamer girl. He, haha. I have been called an Oreo before though. If that's the joke you're making, my mom's white and my dad's black. So yeah, I have been called an Oreo. Please make a better black joke. - Your father. - Not in the picture. That is a stereotypical black kid. He left. - Just wanted to confirm. - No, so yeah. How you said, oh my great, she's really young. My mom also had me really young. My mom had me when she was 15 and turned 16, I remember. - And he was? - He, a predator is what he was. (laughing) 'Cause he was like in his 20s. So my mom met him. He, lower, I guess, more lower. He was a drug dealer. - Oh. - He was from New York. He was from New York. And my mom would drive up and down the east coast with stuff in the trunk and she would park somewhere. People would come up and take it out and then she would drive away. That's my dad and my mom and that's their life. Well, they had me. - You know, I have to do stereotypes in reality. - That is the stereotype, it is the stereotype. - It is and the drug dealer's dad. - It didn't have to be real. - I love what it is real, so just like it, but it's even funnier to joke about when it is the real life. So he left when I was three months and-- - Price, he made it that long. - He could walk past me on the street and I wouldn't know. I have no idea what he looks like. I don't know his name. I don't know. - 'Cause they all look the same. - Anything, no they don't. We have different complexions, different features. - Yes, I was joking, silly girl, stop it. - What's your ethnicity? - What do you think? - I would say Greek. You'll click you have Greek. - Yeah, it's 'cause of the olive skin. I was 25% native, the rest is white. - Oh, like feather native? - See, that's racist. I can joke, that's racist. - Native American, the people that were here first, not Indians, native. - You know, they prefer Indian. - Really? - Yeah, it's the white SJW bullshit that are offended on other people's behalf. - I had never heard that. - I had never heard that before. I thought Native American was the appropriate term because they were native to this land. - It is the technical appropriate term they call themselves Indians. - Okay, well I didn't know that. - Yeah. - Okay. - That was how young women always offended on other people's behalfs that aren't offended in the first place. - Oh, not offended. - Classic Americans. Okay, you do $55. - $55. - That was the-- - Well you're American, you're not African. - I am. Have you ever filled out a form where it asks what your race is? - It does. - It's Caucasian, African, American. - Other black people have told me that's offensive though. They would rather be called black because they're not less American. It's just the type of-- I guess that is true. I guess that is true. - You see, I'm not a little weird. - Everyone's American if you're born here. I guess that is. - That's right, I'm not a black American. - But people used to be the blacks. That's how they would use to say it. So just to be called-- - Oh, that black kid. - Yeah, and I used to say the American word, but I don't know more. - Good job. - No, okay. I would believe that. - I've never said it in my life. No, I never have. - Really? - No, that's awesome. - That's awesome. Generally that is awesome. I'm glad it's not on your vocabulary - No, no, no. I never said it. I think it when I jerk off, but I've never said it. - That's quite a place to have it. That's quite a place. Do you think of like BBC or something like that? Like, is that your type? Is that what-- - BBC. - You said you think of the N word when you jerk off? - So don't we apply to men? - You know what BBC stands for? - Big black. - Yeah, so you say you-- - Why am I thinking of men? - Does that not apply to women? - How did I get here? - So women not N's? - Yeah, yeah, I'm still a nigga, yeah. - Whoa. - Can you not believe that out? You believe everything else out? - No, we're leaving that in. - Okay, that's fine. I'm black. I can say it. I'm also gay. I can say the F word if I wanted to. - Uh-huh. - Gated in a man. - So what do you mean? - I'm sexual. - Pansexual, pan-racial. - Do you know-- (laughing) - So-- - I'm not pan, there's only two races. - What do you mean? - What do you-- - Oh, that's $50, too. - That was a pay advance. That was my first pay actual pay advance. - Four coaches just did it. - Yeah, my work put a new feature in our portal where it's like, you know, get your pay check early type deal. I did use that for gas, though. - What is this? - It's sexual portfolio control. - That's my collection. - That's my medical debt. - Oh, what medical debt for? - I had went to the emergency room like literally over two years ago and they had sent me a bill and I just never-- - Abortion. - No, I've never had an abortion. No, I've never had a pregnancy scare. Not gonna what? Never had a pregnancy scare. - Never. I've taken a plan B for sure, but like, yeah, never, never had to have the big red blood question. - Why aren't you on a minimum monthly payment for this? $932.92, minimum wouldn't be that brutal. - You don't have to pay medical debt. You don't have to pay medical debt. - Kind of. No, some of the rules have actually changed in terms of what goes on collections or not. This might-- - Yeah. negatively affect your credit. I forgot what the minimum balance required is for that, but I think it's like 500, like the body administration did something where it's like, yeah, any medical debt over this, it doesn't, it's not in collections and the Trump administration was like, no, yes, it is. Oh, okay. I didn't know that. I just thought you didn't have to pay medical debt. No, it works. It is still like a moral obligation and whatnot. Well, yeah, sure, but that was like a very back of the burner thing because that was my, I don't think I had to pay it. But you can get on like a, why would you think you don't have to pay? Well, you're just thinking there's no consequence. No, no, I know you're supposed to, obviously, it's a bill you're supposed to pay it. Yes, I understand that. But it was very back of the burner because I thought, okay, back of the burner, why not you to pay it? Minimum monthly payment. Still would be cheap. They're not going to force you to pay it. Careful. Okay. Okay. So, okay. What is this? Well, it's at a 12.8% interest rate balance four, four thousand seven hundred seventy one dollar percent. That was a personal one. What is it? I would say. I had a personal loan back in December and it originally was a consolidation loan. So, you know, see, but it, it, it really did derail because I took it, I love consolidation loan. No, only if you changed your behavior. I genuinely did have good intentions when I took that out because it was, you're not evil. What are you? Well, you called me a dumb, girly. Well, I took that loan out because I, I paid up, when I took it out, I did pay up my cash up. I paid up my credit card. I put extra money towards my car payment and then I had a bunch of money left over. So, yes, it was a good Christmas. A lot of it did go towards Christmas, but, but at the end of the month, no, listen, at the end of the month, that was in December and me and my ex broke up on new years. So, whatever I used the rest of that money towards my apartment, I use the rest of my towards my apartment. Listen, if you change your behavior, I'll let you get a better interest rate personal loans. We have a loan, first, lower interest rate personal loan marketplace on Calebhammer.com now, but it's only for people who change their behavior. Yes. So, if you do, you can probably get one and add a lower interest rate than that. That was my intention. What? Now, without changing your behavior. Okay. Because that shit is really good out there. It is a helpful tool, but only if you change your behavior for a couple months. Yes. So, a minimum to payment, $123. I have the intentions, but I think. 13% interest rate. You had an intention, but you **** it, okay? I don't care. I didn't plan on us breaking up. Girl. I didn't think I was good. No! Two return fees this year so far. On what? Your personal loan. As in, when a minimum monthly payment was required, it did not make it through a couple months into this year. I manually paid. You do it when you don't have enough money in the check and account to pay by the time it hits. You've had two returned fees. Not a fee? Yes. It's literally right here. Here you go. Dummy. Dummy? No. I paid that manually. I didn't know that it was returned. It's right there. It's literally in your account. So, I don't know what to tell you. Okay. Well, I never saw it come back into my checking. It wouldn't. What? No. You **** on. When that loan, the personal loan was due, or you manually paid it, when that tried to draw. Yeah. There was not enough money in your check and account, so it would apply to fee. Oh, okay. That makes sense. Twice this year so far, four months in. So half the months. So, six months this year is the trend you're on. Yeah. You're better than other guests. Thank you. $316. What are you? Oh, this? No. This is a balance of $6,712 and $59. That's my car. That's my car. That's my car. What's your car? I have a 2015 Chevy Equinox. Oh. And it's. It's really open for a Nissan Altima. No. No. I'm. That's like for Latinas. That's like, what? All Mexicans drive. No. It is. No. I have a mom car, Chevy Equinox. It is just under 133,000 miles. I don't know. What? I don't know. I don't know. I don't know. But the interest rate of 5.24, it's not the absolute worst and we didn't get a VIN number for me. So we haven't been able to check it. It was on my insurance card. I sent my car insurance on my VIN. I don't know. Well, we didn't get that. 72 month loan, which is not good. And the minimum repayment for your income is stacking 31665. Yeah. I usually pay 330 when I make my car payment. That doesn't really do anything. And it also makes no sense when we have credit cards and shit. So just like stop. Okay. We have another. Oh, these are student loans. What was your degree? I went for secondary education. I was going to be a high school teacher. Why aren't you? I had dropped out during COVID because online learning just was not for me. I couldn't retain it. It was a long time ago. So yeah, I couldn't retain online learning. So I got COVID was a long time ago. Yeah. So I started a full-time job and I have, I've had a full-time job since then. So I just never had time to go back to school. You didn't make more as a teacher. I don't know. Teachers, almost their whole paycheck goes to their classroom. They pay. They have teachers have to pay for their own classroom. Like decorations and all that. That's almost their entire paycheck. But the education system is struggling right now. Depends where. What I'm talking about. It's actually getting more funding than ever. In fact, the highest funded state in the country is New Mexico, which has one of the lowest standards in the country. So it's supposed to go over to New Mexico. No. I'm just saying the amount of money doesn't necessarily affect outcomes. And to say the vast majority of a teacher's paycheck goes to the classroom. That is not true. Everyone wants teachers to be paid well. But they have many times, other than few select districts, yes, and few select states. Yes. Teachers actually make a pretty decent income a few years in. They're getting burnt out though. My best friend's mom is getting burnt out. That's everything. The classroom sizes are, there's too many kids per teacher. You have certainly experienced that in Texas, that is also state dependent and school district dependent. But yes, sure. Sure. Yeah. It's just not a field that I want to be in anymore. Okay. Well, there you go. That's a better answer. It's not a field that I want to be in anymore. I don't. I don't. I'm just doing loans. Oh, God. I don't know. It's 1559. It's not bad at all. Yeah. Interesting. It's not bad. So you had 2035, 25. Yeah. That was very bad. I mean, sometimes the union is a system that advocates for that more than it does to students. But besides that, I want really good education. But it's just so just don't, don't cope, Bullsh*t. Okay. Oh. Yeah. Chicken account ended negative $35.15. So that's great. Started with the dollar. It. You're wonderful. And all four McDonald's and Apple Bill and taking tolls, which you do not need. You do. I don't take tolls. It is retake tolls. When you take tolls, you overdraft. Shut up. It is ridiculous. Shut up. Cash app putting money over there after pay. I didn't even see this. Hopefully you paid that off because I didn't even have that in my account. Yeah, after pay is paid off. Thank you. Smoke it more. That certainly isn't paid off. Babe City, that's not paid off so far. We're up to now $75 actually more than that, almost $80 for vaping in a month. More tolls. Can't afford it. You overdrafts. Shut up. Hallmark. Golf. You're overdressing. You're not getting a hallmark. No, you're just not going to get in some bullshit. Good in some bullshit. Apple cash set. More tolls while you're overdrafting McDonald's. Cash app. Money. Foggy dude. Apple. Door dash. You're literally door dash ejecting the bottle. I can't leave work. I can't leave work. Pack a sandwich. You're a woman. Shut up. That's not my job to be in the kitchen. Your job is to actually take care of yourself, though. Yes. Sure. But when I'm already in work. You do not deserve that. You are not entitled to anything. Golf. When I'm already in work. Shut up. I can't leave work. Shut up. Shut up. Yes. So you prepare food. I don't understand it. You use a meal plan. You dumped it. What is wrong with you? But when I'm already there, I have nothing to eat. What am I supposed to do? I was starving. Well, you're perfect. That is no longer an option going forward. It wasn't the past. It's not going forward because you will always bring food. Okay. Even I bring food to work now and I'm rich. Crazy. You can too is what I mean. Okay. I will start making sandwiches. I'll start making sandwiches and a brown paper bag lunch. Yep. Iguana's something. Iguana's. 32 dollars. It's a Mexican Russian. Wait. You can't afford it. It's 42 dollars. It's all your ex's fault. Golf victim. Yeah. We're going to call in their post show. I don't care what you say. I said. Vave city. Omit. Hong Kong food. That was grocery. That was grocery. It was grocery. That was 47. We're 125,000 vapes in a month now. Sonic. Apple bell. Apple bell. Apple bell cheese. Microsoft pull up your phone. More toll. What? What do you want me to shut up? I'll do it myself. You dumped it. Oh my god. Wendy's. All too. Duncan. Duncan. Don't. My gosh. And more tolls. You are a broken individual. It's ridiculous. Without tolls. It's ridiculous. Without tolls. It's ridiculous. Without tolls. You're at least affording to drive. Because you can't afford. You can't afford to shit, man. Shut up. Shut up. You just say the same thing over again. That all of a sudden justifies it like it didn't before. They're a necessity. Nope. They're actually not. In Texas, they're not. And some states they absolutely are. And in Texas, they're convenient. They're very convenient. They're good. I want you to take them. You can't afford them. Shut up. Okay. Is this half of music? Can I call it a plus? I don't know what your Apple got. So there must be in-app purchases and stuff. Yeah. I play a lot of monopoly go. Did you guys just hear that? She just said she plays a lot of monopoly go. When we were on the phone with your boyfriend, he said he hadn't played it in two years. That was Pokemon Go. That was Pokemon Go. Oh, Monopoly. Monopoly go is the thing that popped up. Oh, yeah. Monopoly go. I play. You are a disgusting creature. I play now. You spent hundreds on it while you're overdrafts. And you're just, you're like, you're, you're, you're. Go fuck yourself. No, you're a boss over. Shut up. Shut up. Die. They have. In Pokemon Go. No. Pokemon Go is dead. For sure. [BLANK_AUDIO] - 70, 24, what's your rent? - My rent is 680. - What's your utilities including internet? Gas, what do you call that stuff? - Gas water all that is included in rent. I only pay electric. My electric is like 70 dollars? - And you said 680 or 618? - 680. - Okay, phone bill. - My phone and internet are bundled right now and like 70, but after a year it's gonna be 100. - Okay, switch to helium, 15 bucks a line. It's great 'cause T-Mobile has great service areas so it uses the same towers. Gas, room from drive drive, I don't care. Room from drive drive, how much? - Gas, oh my god, with gas prices on the rise. I usually fill up every two weeks and the last time I filled up because of prices, it was like, what varies? 'Cause of the price, but the last time, the last time I filled up it was like 60 bucks, but normally, it's like 40. - How much do I have to put it in for a month, dude? - Do 100. - Oh my gosh, thank you, car insurance. My car insurance is like 155. - Okay, I'll get you a course career certification, by the way, 'cause many people in the audience have converted those into six figured jobs. I need you to as well, there's lots of certifications, so you choose what you wanna do and you'll make so much more money. You need to make more money, though. - It is a job that you can grow with. They're having people-- - We'll get a certification and then you use it in your job to get a better pay and promotion. 'Cause people use them for that as well, and that's just finding new jobs. Groceries, $300, use the meal plan, multiple cooking throughout the week and you're meal-popping, meal-popping, meal-popping, you get the digital version of the cookbook as well, just like everyone at the dollar was the annual version. T.P. fun and everything else you need, including tampons, 150 bucks, makeup, blah, blah, blah, all that good stuff. - Okay. - You could use it. - I have some on, actually. If you couldn't tell. - No, I'm fine, you're in, no, I'm kidding. You look fine. - Thank you. - Medical health care, copays, things like that. Yeah, you look fine. I mean, you're literally cutting your eyebrows. It's weird. - Fashion, come on. - Fashion. Medical health care, copays, anything else about the business? - I've talked about my eyebrows, Blitz, when the girl came on looking like a clown. - Yeah, she was ugly. Anything looking for a minimum monthly medical payments? Come on. - My work covers vision. - So nothing, nothing? Is there other copays? Medication. - Yeah, my insurance does cover that. - Okay, there you go. - Insurance gets taken on automatically. - I have an aquarium of super low maintenance. - Okay, no. - Yeah, super low maintenance. - Oh. - Speaking of, you need to take care of your aquarium. - So for sure, 40 dollars. - That poor fish in there. - Hey, he's happy. He's been living forever. - No filter, no heater. - That is a filter. - There is a filter in there. - Maybe the guppy does not need a heater for the temperature we keep it in this building. - Yeah. - It's not fun. - We're not gonna kill 'em. - You can treat it better though. - But like we don't, we do it. - It's like half empty. - Yes, but we do it right. - Okay. - I know how to take care of it. A guppy's the easiest fish in the world. - They're also really dirty. - Filter in the back. Well, it's not dirty there, 'cause it's a filter. Okay, so you only. - I also have an aquarium. I know how to take care of fresh water or saltwater. - Fresh. - What's in it? - African door frogs. - Okay, so you do frogs. I don't wanna hear your fish talk. - I have frogs. I have corridoras. I have snails. Shrimp. - Shrimp? - Yeah, I have shrimp. - They'll do anything. They'll survive any of the shrimp in there. - Yeah. The shrimp are like the cleanup crew. - Okay, mine is seeing your student loans of 2035, 'cause you'll do minimum monthly payment to tell us paid off. Bad debt of $13,551. With your extra $431 and 54 cents on a monthly basis, that brings it to 31 months, which honestly is not the worst. It's literally a temporary sacrifice in your debt free in two and a half years. Full of 100 merchant funds and three. And then you're done. - I told you I wouldn't take that long. - If you do it, is the thing. - And I do. - Well, we're gonna call the X in the post show. No matter what you think, I don't give a f***ing. I'm also gonna see if your boyfriend is texting you. Let's find out. But I'll be getting the post show. Let's get your hammer financial score first. Get yours at kylepamer.com. Spending in a budget. All you overspend, zero out 10 debt. Collections, zero out 10 with that medical. Emergency fund, nothing to saving, zero out 10 reach. Ironman, I didn't get it, so zero out 10. It doesn't own real estate, zero out 10. You answered your questions incorrectly. It's zero out of 10. Is your hammer financial score? Click the join button to get three premium shows posted every single day, six days a week, including an extra 20 minutes of this episode called the financial out of post show. I'll see you there. Join hammer lead. Bye. (upbeat music) - Hello, where's the audience? - Hammer leading it called me with some bullshit. I'm doing financial audit. - Who didn't? - I'm talking about me on the internet. This is the best membership you'll ever join, and that's a promise.