Camille, a 22-year-old direct support professional from Newcastle, Pennsylvania, appears on the show with a decent income of about $3,200 per month but is drowning in credit card debt. She has multiple cards, including one with a 36% interest rate, and has maxed out or exceeded limits on several, often spending impulsively on items like Starbucks, Amazon, and a Coach purse. Her mom pays minimums on one card, which the host calls enabling, and Camille admits to spending more on it right before the show, doubling her balance. Her financial habits stem from poor impulse control, which she partially blames on burnout and empathy fatigue from her job, though the host argues she is too young and inexperienced to claim burnout. Camille also reveals a history of risky behavior: sending explicit photos for money to a sugar daddy, driving to college campuses for hookups, and using Tinder to meet men, including a recent Austin date who she initially portrayed as a creep but later admitted she invited up. The host challenges her credibility, accusing her of pushing goalposts and undermining real assault claims. She also discusses a strained relationship with an ex-girlfriend and a desire to move out to Pittsburgh alone, despite an unrealistic $2,000/month rent. Her plan is to finish a psychology degree and pursue nursing, but the host urges her to start nursing now and take accountability. Overall, the episode highlights her chaotic finances, entitlement, and need for behavioral change.
- To watch episodes of financial audit a week earlier, check us out on YouTube. - I would send news for money. - I wanna show you, unfortunately, the modern young woman in grand display. - So because I was in Austin, I'm like, oh, let me get Tinder again to explore the area with a tractive male. He followed me up to my hotel room. - Who? - This guy from Tinder, so-- - So you met? - And then he was trying to hook up with me and I was like, no, I'm not like that anymore. And then I Loki kicked him out. - She went around out of guys and hooked up. Okay, and that's good. She consented to it, they consented to it. Then she flew here in Austin, chose to meet up with a guy. The guy wanted to hook up and she just made him sound like a creep. - No, no to him multiple times. Like, he was trying to take off my clothes and I'm like, no. - What? - No, no, no, you're pushing the (bleep) goalposts. You did not say that. - You are literally why nobody believes any (bleep) claims, any assault claims, anything at all. You have destroyed it. - The girl you met last night is trying to insinuate that you assaulted her. Please give me a call back. I gotta hear a side of the story, right? - Yeah. - Merry Christmas in July. I'm in a given mood, even for you naughty ones. Budget, dad, investing, real estate, all of it. 50% off right now. Not sure where you stand. My new and improved hammer quiz does the dirty work for you. Two minutes and you'll know exactly how naughty or nice your finances look. Plus, next steps based on your score. Take the quiz, then take advantage of 50% off and finally fix your finances for good. - Hi, my name's Camille. I'm 22 years old. I'm from Newcastle, Pennsylvania, and this is Financial Audit. - Thanks for coming down to Austin. What do you do up in Newcastle for a living? - I work as a direct support professional or a DSP. - Okay, cool. What are you making? - I'm actually making pretty good for the area. I make $20 an hour. And then also I get gas mileage reimbursement every month. - Okay, well, are you driving all over the place? - Oh yes. - So what's happening? - Yes, you get 67 cents per mile. - Okay, but what does, okay, so what? What hits your account then for a paycheck cycle? - So right now I'm kind of in the starting period 'cause I just started this job in May. So it's kind of like, I'm unsure. - I'm a pro imagine. - 'Cause I had a different job. - I've been here over a month in at this point. - But it's kind of like my boss didn't want to throw me at the wolf. She kind of wanted to set me up over it. - Sure, but are you not working your full time? - Well, right now, my last paycheck was average 37 per week, but I also had the minus. - 37. - 37.5 hours. - Each week. - No, what's the number that hits? - I would say that one was like 1,600 with the gas mileage reimbursement. - Per week? - Every two weeks by me. - Every two, okay, so 1,600 do you send? - Yes. - Okay, so are we thinking it's gonna be that 3,200? Listen, Newcastle, I'm honestly not as familiar. What major city is in here? I don't know. - I'm like halfway between Youngstown, Ohio. - I don't know in Pittsburgh, Pennsylvania. - Okay, so this is not an insanely expensive coastal area. So you should be fine doing that. And listen, at 22, that is not a bad place to be whatsoever. You know, for there by like mid 40s, you know, a different conversation, but with where you are, that it was actually pretty good. You shouldn't have to be on the show. You're doing very well. But now I am being told you're already kind of arguing with your boss about the hours and you're like sending her long texts and you're acting kind of like trying to get your hours shifted and stuff. So I was starting to get a little bit burnt out 'cause I would work. - Burn out, you're not gonna mutton to the job burn out. - Last show burn out. - You never had a job, you never had a career. You're barely in your working life. - I had my other job for a year and I got very burnt out because that was like 40 hours a week and I was doing a lot of overtime too. - 40 hours a week, okay, that's normal. We all do that and we all do a little extra overtime. How much overtime? - Like one or two extra shifts, but the shifts would be like 16 hours. - What was the job? - It was another DSP position, but it was more like clients where they had more needs. So how many hours a week were you working? - Probably like around 48. - Okay, which I mean, listen, you're not really in the place of burn out though, like. - Oh, it was just over and over and just a lot of issues I was having within the workplace. - Like you're in the prime of literally having energy and mental ability in your entire life. - Nope, I got narcolepsy. - Well, still the prime before you're gonna be forever. - Not, not. - Why is your narcolepsy gonna go away? - So you'll probably have more energy now than you will at 40, come on. - Yeah, I'm on my medication, but like, I had to drop out of school in October because of it. - Okay, yeah, I mean, okay, that's sad, I guess. But I'm just saying, in terms of burn out and whatnot, like this young 20s is when you will have the most energy versus later in life. So if you're already experiencing burn out now, when there's people doing nursing and doctors and all this stuff, working more hours than that. Firefighters, police officers, you can name a thousand positions. I think I worked that many hours, you know, it's not, I guess I'm not on the feet, why am I working with, why am I working with, but besides that, it's, if you're experiencing burn out now, you're not gonna survive. - What would you say to the drivers that I can't even do 500 miles a day? - I got soft hands. - It's more like, for this job, I was working six days a week. - Sure, but you're only texting your current manager about moving your hours. - Yeah, so I'm not even talking about the previous job. I'm talking about now. - I know, this job. - You're less than a job in and you're already like, trying to change shit. - No, I just wanted to. - You're the new girl. And it's only me. - It's your first month. - No, it's literally a new company started in March. I am the only DSP there right now. - I don't know if I'd asked for two days off in my first month though. It just looked like not the best. - Well, that's the normal. It just, it was spaced out a lot. And I was like, "Hey, I need two days off." - Weekend, do you mean? - Not a weekend. No, during the week. - And after two days off? - No, a normal two days off. Before I was only getting one day off during the week. - Okay, but I'm sorry, if you're the only employee and this is literally less than a month into the job and you're asking for two days off during the week when the work needs to be done, this is like, I'm not saying you shouldn't get it or that you don't need it, but that's a bad look. You also accepted the job with those hours. You understood what you were getting into. - Oh, they didn't know the hours at that point. - Then why did you accept the job? 'Cause it was your job you still accepted. - We get, so basically for each client, we get a certain number of hours. They can have each week, my boss is also working as a DSP right now. - Do you do with your job, is it? Come on, you might have to correct me, but is it not just, honestly, just hanging out with those people? - Yeah, taking them out, like advocating for them at doctor's appointment, my last job was more like. - So it's not like the most energy. - Well, it's more like empathy burnout. - Oh. - Yes. - Oh, empathy burnout, come on. Like what are we doing? Shut the fuck, I'm not saying that's not a real thing that exists in this world, but I think of what humans have done throughout all of human history. You have the easiest job ever created in the existence of humanity. - What does that mean? - There are some easier jobs around you, but I'm talking about in the context of humanity, and they still did their jobs working sunrise to sundown, working in the factories just 50 years ago. Empathy burnout is the least of anyone's concern from what they've done throughout all of human history. It's really hard to have empathy for that at 22. You can't be using that already. I'm not saying it's not an actual thing that, I guess, they can drain your energy, but at this point, less than a month, then trying to get days off and you're the only employee, you have a pretty simple easy job. - Well, the thing is, it's not even weekends. Like my current schedule right now, like this past week-- - Hey, it's not weekends. - No, no. - Great, that's good. - Throughout the week, so like this week, I have, obviously, yesterday and today, and then I worked 11 a.m. to 9 p.m. Monday, Tuesday and Wednesday, I worked, I was scheduled to work 10 a.m. to 7 p.m., and then Sunday, I worked like 2 to 4, or 2 to 4 30. So that's kind of what the schedule is, but it's like-- - How's it going? - I mean, like, now, I'm not sure what time-- - What's the point you're trying to make? - I'm fine with the schedule now. It's like, instead of, that would be my schedule for six days and a row, and I only have one day. - Okay, I mean, you literally told your boss you wanted the 10 to 7 hours. So you negotiated that time. - Yes, I did say that. - So what the (beep) are we talking about right now? - I'm more talking about the fact that a person asking for something, and when they get the thing, they ask for, they complain about, and say they're having empathy burnout. - What the (beep) are we doing? - No, I was having the empathy burnout before. I'm like, I need more than what they are. - Okay, and get another job where you need less empathy. What the (beep) - Oh, that's my issue. It's, it seeps in every job, Caleb. Even though I really tell you-- - No, you really show us. You can't handle your own (beep) emotions and you're using excuses to not work. - No, I do like working. - You're 22. - Oh, no. - You'll be fine. - You got me all wrong. I like to work. I like to feel like I'm doing something for the bigger picture. - It's not empathetic, apparently, 'cause that gets you drained real quick. - It's just hard, especially, also-- - It's like, what can you do for the rest of your life if this is already happening? - I actually do have plans. - Oh, what's your plans? - Going to nursing school. I actually just talked to my mom today. We have a plan. - Are you not gonna do empathy and nursing, 'cause-- - Well, I feel like it's less because you have so many different patients and it's not like you really have the same patient for constant. - Okay, fine, let's talk about hours. And nursing is brutal hours. How are you gonna survive that? - I've done 16 hours before. - Done, but you're less than a month and you're already trying to get time off and complaining about shifting your hours to your boss. Come on, you wouldn't survive nursing. Come from a family of nursing. You wouldn't survive nursing. - My mom actually is a nurse. - And you wouldn't survive doing what your mom does. - Oh, she believes I can survive. - She believes, but does she know what's happening with you texting your boss and all this shit? - Oh yeah, she knows. She actually encouraged me to be like, oh, she's like, you didn't know what you were supposed to do. - Then she's encouraged me to have behavior and she's a nabler, 'cause that doesn't really make any sense. And nursing is like burn out to the extreme, man. - Well, with nursing, at least there's like different options and you don't just have to work in a hospital. - That is true. There are lots of options when it comes to nursing, but you are gonna stop on, start on the bottom running at the lander as well at the same time from being honest. This is very, let me see these texts between you and the boss. - Oh, Lord, okay. - Okay. - Well, I'm also having another issue where this client keeps calling me out of hour, so it feels like I can't really like be off of work. - Oh.
- Oh my goodness, shut the fuck up. I have no sympathy for it. - No, I've always been reached out to bosses outside of work hours. That happens here. I'm sorry that we all want the work life separation that is something we all strive for and should strive for as bosses and employees. That's a good thing to strive for. It is also just a reality of life that all aspects of life intermingle with each other at inconvenient times. That is just a reality. I'm sorry for the lack of empathy on that, but that is a real thing. - I do feel like my boss is handling it well though. She's like, okay, yeah, we can work with that, but we need to. - Can you show me the text? What are you doing? - I'm looking for them. - I text her a lot. - Why are you texting your boss so much? - Because it's just me and her having the same clients right now in Newcastle, so it's kind of just us. I'm hunting. I mean, you can hunt if you want. It's very much text though. - Okay, so what are we talking about, man? What are we talking about today? 'Cause you do well. Here we go. - Skip, but you do well. You're obviously in a financial complete mess to be on this show. But what are we talking about today? - Well, I'm putting myself accidentally in the position where I am going to have to sleep with my sugar daddy for money. - Accidentally. I don't think it's accidental if you have a sugar daddy. You usually don't stumble into that accidentally. Whoops, he slipped inside. - Oh, I posted like a fun post on Yek-Yak. Do you know what Yek-Yak is? - Yes, I didn't know it was a thing. That was a thing like 10 years ago. - Oh, it's a thing for colleges now. They made it so you have to verify, but I put up. - It was always was for college. - Yeah, I posted a thing being like, "Oh, I don't have the app anymore." It was toxic and I brain her. - Yeah, it's like, isn't it like anonymous posting? Okay, what did you post on Yek-Yak? - I basically posted something. - It seemed like an accident. You posted something. Like, oh, it would be nice to have a sugar daddy and then he just appeared in the DMs. - Okay. - Of which you cannot respond to and block. - Oh, no. - It continues to sound like accidents, but continue. Continue. Tell me. - Well, we had each other on snap. I did accidentally remember. - Okay, so you added him on snap. Oops, whoops, accident. Click the button. We're talking about it. Continue. - Well, basically, so anyway, I would send news for money. - You actually would. Okay. - Well, I like it during hard situations. - I think good. - I mean, I don't take news normally, so I don't know. - Okay. Who was this guy? - I mean, he went to my school. Apparently, he did the online version, though. So I-- - He was a student school. - Yes. - Why was he, he just, like, I was a student, son. I would see pain for news. - I don't know. I actually don't know what he looks like 'cause I refused at a certain point. - Okay, so what were you making, Vian, what would you send? - Um, like, six-ish photos and he would-- - Of what? - Me. - Yeah, of what? - Like, my chest. - Just as it was just-- - Um, and then? - Oh, you went full whole. That's actually, would not do that. That's rough. That might get, um, be wary of screenshots. But, okay-- - Yeah, I literally yelled at him. I'm like, you're not allowed to save anything and chat or screenshot it. - And did he? - He didn't. 'Cause he would actually ask later on, "Oh, can I, can you send something?" - I can't say anything. - Oh, no. Oh, yeah. - Number two, how much did you make? - He sent me, like, 150, like, 200 each time. - This is insane for a titty pick. That's crazy. How do people not know Google exists? - Why is he not happy on any dating event just getting late? It's college, everyone's-- - Well, he's only online school, and he doesn't live near the school, I guess. That was his issue. I don't know. - That's pathetic, okay. - I do miss him, though, 'cause I might have jumped the gun on a potential relationship and I removed him on snap. - You don't know what he looks like. - I want him to find me again, I miss him. 'Cause he would check-- - What do you mean? You removed him on snap, Adam, I got none. - I don't know where he went. - Huh, you don't remember his username. - No. - Well, did you block him? - No. - I know, and he would check in with me emotionally, so it was like a little emotional connection too. - Oh, you're-- - What the fuck is wrong with you? That's so weird of you, you're such a weirdo. Okay. Okay, I guess you need-- But you never even see what he looked like. So you never met him? - No. - So you said, so you don't accidentally sleep with someone from money or something. Have you slept with someone from money? - Oh, not from money, but I-- - Well, yes, I assume you sleep with someone. - Yes, but more, I wouldn't-- Like, I wouldn't do it for money. I more, like, forgot to ask for gas money, and that's why one of my cards got really bad because I would just be driving around all these different colleges. - Wait, wait, wait, wait, what are you saying? You're driving all the-- What do you mean, driving around these different colleges? - I had Tinder, and I-- There was not a lot of people on my last school 'cause I transferred schools because of this. - Because of this? - Yeah, because of the hookup thing. Like, I literally had like mental breakdown, slightly. - Because of what? I'm so confused, you're saying things, but I don't know what you're saying. - Oh, Lord, it was like full rundown day. - It was a very impulsive time of my life, and I really regretted it, and I had a breakdown. - What did you do? You're not saying anything. - I drove around to all these different colleges and got myself into bad debt. That's why my mom is paying off my cards. - Bad debt for how? - Well, I'm not asking for gas money 'cause I would be driving up to an hour. - Why were you driving to the different college campuses? Do you know how to tell a story? Why were you driving to different college campuses? - For our notebooks or like-- - So you were-- - You were getting railed at different college campuses. - Yes. - And for free. - Yeah, basically-- - This was a sugar mommy. - No. - Or daddy, and I guess. Okay, so why'd you bring up to sugar daddy thing if you're just going around getting railed? - Because I looked at my time, and I was just like, man, I could have gotten so much money for just like that, basically. - Why should you get money for fun? Why aren't you having fun? People look up in college. That's what college, why were you doing it? Come on. Are you like a static? - Kind of, yeah, at the time. - I'm recovering. - When was that? - That was like my second semester freshman year to all three software, yeah. - Well, greater you in? - I'm not a senior. - Okay, so I doubt you would be able to find. When's the lesson you had sex? - A few months ago, but before that, I didn't have sex in January. - Are you telling me if Brandon right there said, let's have sex afterwards? Okay, he's given a face, so I don't-- Okay, either way, if he wanted to. Are you saying you would say no? I would say we can make out, not have sex. - Which turns into sex, usually. - Actually, last night, I actually, so because I was in Austin, I'm like, oh, let me get Tinder again to explore the area with a attractive male. He, Loki followed me up to my hotel room. - Who? - This guy from Tinder. - You met a random guy from Tinder the moment you landed in Austin? - No, I did some things by myself. I actually was gonna try to find somebody like, oh, let's go to a nice food spot or something. I've never been here. - Okay, so you met? - Yes. - A man. - Okay. - This is so interesting. Ladies and gentlemen, have you followed what she just said? I wanna show you, unfortunately, the modern young woman in grand display. She went around a guy's and hooked up. Okay, that's good. Then she flew here in Austin, chose to meet up with a guy, the guy wanted to hook up, and she just made him sound like a creep for coming with her to the hotel and trying to hook up. Well, we were walking around in public and then I'm like, oh, do you wanna walk me, like, he was just standing there and near me at the elevator. So I'm like, are you gonna walk me up? And he's like, I don't care. And then I was like, I'm just gonna go and he just followed me a bit. And then I was like-- - You're not gonna understand what you just said. You were like, do you wanted him to walk you up? - I did it. I was like, I should go up. - This, you are the modern young woman. You guys are broken. The moment you guys want to hook up, it's totally good. But if a guy wants to hook up, it's creepy and weird. You know, you can just say, no, and move on with your life. - Oh, it's not known to him multiple times. - What? No, no, no, you weren't pushing the (beep) goalposts. - Oh, he was in my-- - No. - He was in my-- - No, you said he was trying to. - Yeah, he was in my hotel and like, I'm like walking around doing stuff and he's like trying to take off my clothes and he's, and I'm like, no. And then eventually I like, open up the door. I go, I'm sweaty and I'm tired. - Unfortunately, I don't believe that 'cause that's what you should have said at the beginning. You're making him sound creepier for being at your hotel when you both walked your hotel. So unfortunately, based on what you said, I do not believe you and I know people like you in my own experience and my own friends' experience are just liars when you get called out because you made someone sound like a creep. They want a creep, so then you have to make something up to make them sound like a creep. - It makes no sense. I don't believe you. Why didn't you say that? You said specifically that he showed up at the hotel. - Oh no, I-- - You walked at the hotel together. - I tell, we walked around in the public and then he walked me back to my hotel, which was nice. That was a nice part, but then once we went upstairs, he kind of came into my hotel room without me asking. - Okay, first of all, you guys went upstairs. - 'Cause I was trying to be nice. - You guys went upstairs. It is a natural organic thing for two people walking around on a date to go upstairs together, unless you specifically give very intentional and clear, not even clues, but just say, okay, thank you. Have a good day, and then if he starts to come up, I don't want to do that. He is not a bad person for going through the next natural step of which you have done yourself multiple times. You were not creepy when you did that with, I'm being told, 40 men back in the college days, which I don't even care. I'm not a body-camp person. I don't give a fuck, okay? Not even chambers for you. Who cares? Have sex, have fun. You would not have been a creepy person if you did that, but you were making a guy sound like a creepy person for doing that. Now, if what you said is him walking around your apartment and he was like touching him, being weird, and you're like, no, I don't want to do this, please leave. And he didn't do that. Then he's a creep and should be posted about online. But you didn't bring that up. You only brought that up after three times where I said, he was doing, you know, just normal and you had to push the goal post because people like you do that. So be honest right now. Be honest right the fuck now because if you lie,
I will catch you in the sly because I will contact that individual and we'll put it as a his side of the story Was he in there? In the hotel room taking off your clothes and you strictly looked at him and said no, I do not want to do that Is that what happened because I will get his side of the story? I have the resources and I will get him can I say exactly what I said? Because we were in the bathroom. I was taking off my makeup He comes up to me kisses me and then he starts. Okay, pop pop pop. Hey kisses you Did you say something did you kiss? No, I kiss them. Yeah, you kiss because we were doing that throughout okay So there's implied consent now remember you're not a victim because you are a young Woman this is what they do every single time just like I let's just I want to do the example when you went to all those college Guys campuses and you kissed a guy and then went further there was implied consent remember when you did that You weren't creepy continue what happened? So basically he's already doing that. I said no, we're not gonna do that. Okay, good because we did have a discussion earlier that night Where I said I didn't want to do any of that you set a boundary. That's good. That's good. You set a boundary Okay, and and then He stopped for that time and then he kept continuing like he would like I was walking around like trying to get stuff done So I could go to bed because it was like midnight at this point. I'm like I got to be up early. Okay, show me the conversation I'm gonna be real with you. Your dad is not the same as everyone else's You've got your own unique mix of credit cards, maybe some medical bills personal loans and collections Whatever your interest rates are different your payments are different your life is different So why do you need some one-size-fits-all solution that treats you like a number some generic calculator that spits out Just pay more as if you hadn't thought of that already That's what sets PDS apart. 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That's not very personal finances rock and money that you got a lot of commercials but they're owned by rocket mortgage guess what they want to sell you in the end Then 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 built by 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 dollarwise.com link in the description below What's the episode was supposed to be but I am I'm so sick of these tick-tock brain professional victims think it's something is wrong if this This is all before if this dude persistently followed her around after she said no in the hotel to try to keep touching her that would be bad at that point I am on your side and against him you did not bring that up when you were saying he was creepy at the beginning though that was our whole conversation before we met up We don't have anything from after because this is the concerning part based on how you act and how the amount of hookups You've had and then the one time someone tries to make a move like you freak out if Brandon or if make a or if Mark or if I if any of us Have consensual sex afterwards. This is an example the not not a proposal if that were to happen You could literally do anything and weaponize that against people whose careers are attached to the internet and it is Discussing in the amount of people I've seen you do that the friends of mine is horrendous and you're already having that attitude Oh, I've never done that to anyone like I've had situations where I genuinely like people have told me like that is Camille that is assault and I'm like well, okay, but also I don't even believe it because for example I've never gone further with things because that's something that happens on tick-tock all the time where people tell it Someone that they're a victim like don't even listen to them. They're They get fuel off it don't even listen to them if you didn't consent to something something and then something was forced to happen That's bad, but unless that happened Like don't listen to your friends. They're literally just T chasing yeah, that's the one's where it's like This is sexual assault stuff like that. You just someone just brushed up against your hand. Yes, that that's no It's like major things like I don't smoke weed anymore because I was like You know the process like right before you green out when you're just a blob laying there like that meme of Peter Gryffin without any other person smoke as well a little bit. Well, there you go. So it's not that doesn't matter We're not having a competition It's not the college posters not real life like if a woman drinks and a man drinks Then the man's the Like that that's not real life. Yeah, well anyway I was kind of just laying there and it happened and I was just like okay, but in your both high Like it's hard. Maybe that's really bad. I'm not gonna defend it Yeah, but the thing is again, we can't do the college campus where she's drunk. He's drunk, but he's Yeah, I don't that's why I don't smoke weed anymore because of that Situation and I try not to put myself in those positions really anymore. He said maybe we can do something else I guess instead of getting a drink because you didn't want to get a drink because you're not gonna see So anything you specifically want to do says you said you're fine to go to bar Yeah, and that's where we went and he said okay I can meet near your place and then explore around come on. Let's have context clues here meet near your place We kind of know what we're trying to do afterwards. We're not literally brain death I kind of am very naive, and I like to think of it. Shut the fuck up Then you're a victim to yourself, but not because of others That's why really if I if I'm in a situation or if you were actually assaulted and that dude was fully conscious Just as much as you in that previous situation then I'm on your side and you were a victim The thing is we cannot play the game if we're having real adult conversations where both people get But only one is the unconsenting one is the consenting person like that can't be how we live life Yeah, that's why I've never really any face or anything about that. I Can also show you our tender conversation too. Yeah, that that chunk of text like there's a very chunk of types of the Very any you just walked up to me. So I mean you guys are also meeting very late Like around like nine 20-ish Like come on We know what the implications are We're going to the bar next year hotel. Don't be I didn't want to send him my hotel and just watch YouTube That's what I can do that at home. You guys said we can totally go inside too. So you can set your room temperature Would you like because it's you said it's hot outside? Okay, so Was he handsome. Yeah, he had an accent too. He was cute. What kind? I don't know honestly Okay, go ahead and bring up the chat. Sure I'm tender. Okay I mean you have a quote and this is coming this is a quote from you in the pre-production Interviews that you pride yourself on terrorizing men on dender. Do we see what is happening here guys? How we I No longer believe people when they say things anymore. I really don't which is really sad because a lot of people go through really bad things And you ruin it. I really should have shaved saved us contact because now I forget where he is and he It's okay. I have his phone number Okay I Granger you've called is not a thing Yeah, our tinder conversation isn't much. Well, let's see it. I want to see what it looks like here My friend my friend my best friend of the world said that he actually was attractive and usually that is not my thing with men Yeah, good looking dude I don't have a good track record. I don't know what that means while you're saying they're ugly My friend thinks they're ugly big get with people your attract to do who cares you're so obsessed with listening to your friend Like they tell you what happened to you and what yours was like shut the cover you're not your own person Dude people like you're crazy. I am by look for outside validation on things. Well shut the fuck up Dude come on his thing is are you vanilla or rough on his bio you seriously cannot be I was if you on that But there was like stop being not other off Like maybe you're a victim, but I just like don't believe people like you about to ask if you want to look at my profile The girl you met last night is trying to insinuate that you assaulted her. We need to talk You got to hear a side of the story, right? Yeah I'm kind of self-banned from tender at this point my mom said I'm not a lot of you said anymore Mom at 22 you're so free. No, but she she gave me another app because she knows I'm not looking for hookups right now I'm looking for more like long term right even though your looking says still figuring it out. Yeah, because I'm like long term or friends So it's oh dude. There's nothing wrong if you want to have sex with people who cares? There's nothing wrong if you want to go on dates with people
who cares? That neither of these things are bad. I care because I go a little crazy whenever I want more and they don't. What does that mean? Like Nikki from a session, that's like my inner deep thoughts. Yes, you are obviously, we kind of know who you are based on everything you said. See, and he's picking, you're doing like, she was literally messaging so many guys asking to meet up last night. Are we not getting this? Guys, are we not getting this? I wanted to go to the bar, man. I don't want to go by myself. I know that's dangerous. Then go, but why only attractive men on a dating app that is honestly the hook-up app of dating apps? I wanted somebody to kiss. So I want to make out with my other dating apps going well though. Which one? It's like a Christian dating app for like long term. Yeah, pull up his chat again. On Tinder, which one's him? You're crazy. Now I have to try to remember his name again. Don't you have like 50 bodies or something? Yes. I have also, I have a zodiac sex ranking I made. Based on every guy? Yeah. Well, I stopped after a while, but. Well, good thing we never did because I would have been at the bottom. Where are you going? Why is your phone so slow? Because it's having a stroke because it's a 15. It's old. 15's old isn't the 16th and the news? Oh, Lord, now you're okay. Well, f***ing betcha, kiddo. These episodes go wild directions that no one's expected. Yeah, I also just don't care about the body count. But the Christian dating app thinks hilarious after that. Plus a zodiac sex ranking. Yeah, the zodiac sex ranking with my cope. So you f***ing Tinder date on there? Oh, I just got Tinder just for this trip so I could find somebody. I usually use just the other day to f***. No, to hang out with. You say you would not have sex on this trip? No. I don't want to. I don't want to. Well, actually, do have a collection of screenshots. I don't care. Me towards Ringman. She's collecting screenshots. Are you guys kidding me to say? Yeah. There's some pretty good ones in there. You might be busy. Oh, he is. Well, we're getting him before this thing ends. Google Fi wireless subscriber, you have called. Is that available? Google Fi. He gave you his Google number down his real number. Oh, I didn't realize that. Okay, I show me the torsion. So you're someone who sends news for money. Drives run out of college campuses to have sex and you blame that on you being in debt. I was always telling me at an STD STI test. I actually just had one recently. I'm waiting for the results. But that was I've I had one like last summer. End of last summer. How many bodies since then? Like three. Wrong. Sometimes, yeah. That's why, well, this past time I like had slept with somebody for the first time since January. And I was like, oh, let me just go to the STI test. Yeah, I am. You don't let them know. Here, this is my lovely collection. My Tinder Hall of Fame. I'm not taking an advice from a man who Robert doesn't watch his ass. This is a finger I ever slip in. Yeah, I have a gun and I'll think I'm allowed to be near it. I'll just drive me around then. I feel like you would have your head out the window like a dog. You sound like meat before it gets cooked. Your name is one letter off from being booty. Booby. Yeah, that was funny. Booby. Yes. Come back to me, my boy. I'm in Newcastle and ready to rumble. I'ma come through like your wall like the Kool-Aid man. That was a guy that I think I had blocked me and I mashed with him again on Tinder. I'm like, hello. That's what I am and I'm in bed. What happened to let me come take you on a day? Why has it now come over? Where's my TVH in rate David? I'm very serious about that. Oh, that was his bio. You're no fun. You probably think flour is spicy. You need factory reset. I'm sending you back to your mom's womb. You're obviously undercooked. You're the sperm that should not have won. I'm going to impregnate you. Truck scare me. Okay, that was too freaky of a first message. I'm a NEPO baby too, I think. If the NEPO is depression, that is. Okay. Trust me, we'll look through this phone more later. But I'm taking it off to not disturb. And yeah, we're going to look through a lot of things later. Putting it on open. Oh, I never have the ring or not off. Oh, ring or is on now because we need to know. It's also lots of men snapping you. Oh, not that many, to be honest. Sounds like it. Yeah, majority are like friends and stuff. I don't usually keep a lot of people in my snap. Oh, yes, my friends. Jordan, you're messaging a lot of people. I think you're trying to be sexy. With him, you're sending like that. Oh, those are old pictures. Well, they're sending them literally like a couple days ago. I like to be cute seeing any of my snaps. So you're only cute in your old pictures? That's not good. Well, I haven't been snapping people recently. I actually just snapped people back last night. They were on deliver for like five days though. And interesting, interesting, interesting. No, the person on snap daily is my best friend because our streak is the same amount of time we've done. I have to say this. Be a whore. If you want to be a whore, I love it. I'm a whore myself. But the thing is, don't try to cancel people for being a whore and making a move on you. If you are a whore and make a move on other people, they don't try to cancel you. Come on. Don't be a hypocrite. You're not a victim because you're a woman. Not a victim because you're 20 June. You're front to loob's not vote. Shouldn't allow you to vote then. If you're front to loob's not developed yet. Shouldn't allow you to be in the military or drive a multi-ton vehicle or have a job or go live independently. If you're not mature enough to say, sorry, I'm not interested. That's my main issue. I feel bad, the empathy man. Oh, okay. Well, that's on you. The reality in winning to have this conversation. If you are unable to, because of your empathy, say you're not interested in something, then you are not able to put yourself in those situations. Yeah, that's why I've been avoiding putting myself in those situations. Smart and you're not a victim because you were on a date. That's the reality. Okay, so you want your sugar to back because you're probably bleeding money, but you can't find them. Have you only had one? Yeah, the other ones were obvious scams. They were like, send us money first. It was checks and stuff, and I know this scam. So I was like, no. And they found you via the. No, these are other places like the random texts you would get or the random people adding you once, not being like, "Oh, do this and I'll give you money." Listen, men will fuck anything. I thought there was a phone call. Oh, was it? There's a weird noise. Nothing, I thought I'd just heard a phone call. Okay, like, men will fuck anything so I get it. And you're not unattractive. I mean, you're a bit tall, I think, for some people. Got stretch marks here, which means your tests are probably big, which is nice. Everyone likes good tests. So I guess that's fine, but like, I don't want your future regardless of the victim bullshit. I don't want your future to be sugar-baby. That shouldn't be what you're looking for. Well, that can be my side household. Really, though, but what are you willing to do for it? Because they will always, for you to make more money. I've had them on the show. Their sugar, their sugar givers, and the sugar takers. They will want to for the money. And I know you love, but like. I'm not trying to do illegal things. No, it'll frame it as more of like an escort type thing. You know, like, what is it? Oh, you know, I'm giving you lots of gifts, and then you have sex. But the implication, the obligation is kind of there, but like, not, you know. I think that's how they do it, right? I don't know. I'm pretty naive to these things. Okay. Well, either way, that's where it would be expecting it. I don't want you to. I want you to consensually hold yourself up to your own thing, but I want you to be given out whole for money. Because that's just not a good, healthy place to put yourself as a person. As a woman, as an individual on this planet. That's not necessarily a good thing. And I don't want that for a future. Side household. It can be a. Okay, fine. What does that look like then? What are you trying to do? Well, usually if I'm really struggling financially, that's whenever I would reach out to the sugar daddy. Like, if I was really in a bad situation. But just one. Now you don't have one. So what now? I want him to find me. He might not. He may have read the hint, because guess what? If he. You removed him, if he found you, and you didn't want him to find you, he would be a creep. You'd bless him, everyone online, and you'd ruin his career. But right now, you want him to find you. It's like a burner snap, though, I think. Sure, but he doesn't. No. Why do you think people aren't willing to reach out to women and cold approaches these days? I. I had just always. It's a 50/50 shot, whether or not he reaches out to get cancelled and destroys his career online, or if you want him. I just assume you want him. But he doesn't know. Why would he risk it? I just assumed I was unapproachable because I'm tall and scary. Okay, you're not scary. You're like two inches taller than me. You're 5/11. Yeah. It's okay. That's fine. You're not unattractive again. And when, you know, when people lay down, everyone's kind of the same height anyway. I used to say that as a pick up line, we're all the same horizontal. There you go. See? It works. It works. So, I don't know. I wouldn't hold that against you. But what's the game plan here? Because he's not going to find you. So, what's the game plan as a side hustle? Well, the last time I needed to borrow money to last through the next payday, my mom gave me access again to that card that she's been paying off. And I said, "Okay, I'll just borrow this set amount of money I did go over that." But I paid back already half of what I put on it, this pay check, and then I'm going to do. No, you said this set hustle of. or pictures or whatever. - Well, I was trying to get away from that a bit, but I do it when I'm like desperate, desperate for money. - Yeah, but you don't have him anymore. So what's the game plan now to find a new? Are you searching? Have you posted? - I should probably do that, but-- - Oh, no, you probably shouldn't. I'd rather stop you before. What's funny is you're really ranting and raven in the pre-interview about how you see yourself as a high-value woman, really? How? - I have a lot of empathy and a lot of love together. - Is that what, hold on, okay, I dub's great. But there's high value. I mean, you've given her not like crazy by '22. But again, I don't even care. It's fun to be a whore, be a whore, that's fine. But you can't say you're then high value at that point, just like economically, right? - Yeah, I don't know. Anyway, I think-- - 'Cause you have empathy, we all have empathy. How it's demonstrated is different. - Oh, I know a lot of people are lacking empathy these days. - Well, sometimes it's demonstrating. Like me and I, I'm not gonna, other people have told me I have autistic tendencies. You know, I feel a lot of empathy towards things. I don't always demonstrate it the best, though. So it's like different. You're in tune with your empathy. I'm proud of you. What do you want for, you're not, how are you high-value because of that, I guess? - I'm very thoughtful. Like if somebody tells me something one time, I'll give them-- - It's in the most generic shit. - Yeah, oh, you give gifts. We all give gifts. Shut the fuck up. - Meaningful ones, like my dad's father's day gift. - What would you get me? - Oh, I did give you a gift, okay. - Oh. - This is a whole little bit. - Okay, I thought you said you'd curate. What is this-- - It's my foration. It's a beautiful collection. - How does it apply to me? If you said you're a great gift giver, make this make sense. - I thought you would enjoy it next to the little bit. - Why? - Look, this one's yours. - What have I ever said that would make you think a potato in ramen would be me? - I would have given you the potato in a burger, but I already, I didn't want one to take it away for my collection. This one was, I was willing to part with. This one's my beautiful one that I really wanted. - So you're not a good gift giver? - Well, my dad's father's day gift. If I know a person better. - Girl, you've nutted when I walked by the window of the green room. You know me. - I was having a star-struck moment. - You know me, and I'm open. - Not like on a personal level. - But I'm open about everything on me. - I know you like food. - Yeah, that's 'cause I'm fat, that's the basic. That's like you just looked at me. - Yeah, and I don't know. Ramen's good. I like ramen, yeah, it's good. - I want it next to the labo bill. - You're not gonna get that. So you brought up your mom a couple of times so far. This relationship seems weird. She seems like a big enable, man. But I'm also being told she doesn't believe you want to come to multiple things. - Yes. - Well, what is this? She's obviously a big part of this conversation. - Yeah, so whenever me and my ex-girlfriend initially broke up-- - Girlfriend! - Basically, we broke up in 2020. So basically the whole situation is I wasn't out yet. So my mom didn't know so I had to come out and then-- - You weren't out yet? - No. I, this girlfriend was like a whole secret relationship. - Girl, do you see yourself? - That was before the septum piercing and the super colorful hair. I actually had purple hair at the highlights at the time. Actually. - Yeah, no one knew. Continue. - I'm sure people knew but my mom didn't know. So anyway, I had to come out to her and then whenever the second time you and my ex-girlfriend dated, it was like-- - People even care anymore? - My mom did at the time. - Coming out, it's like a 2010 thing. So it's like no one gives a-- You're gay, woo! - Merry Christmas in July, jolly muckers, to celebrate. I'm giving you Master Your Budget, Master Your Dead, Master Your Investing, and Master Your Real Estate, all of it 50% off. I've worked with a team of experts to build the best courses on the planet. Create a budget that gives every dollar a job so you never miss a scent. 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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. Well, anyway, so the second time we dated, it was more of like a thing where I wanted to work on the relationship of my ex-era fund, just pressured me for sex, and then I gave in, and then we broke up. What? For the second time. So anyway, my mom-- Look at that pause there. Oh, you're doing it again. You're doing it again. What do you mean she pressured you into sex? Like she popped up pasturing me until I said, yes, constantly. Well, first of all, first of all, in relationship sex is normal, and if someone is not getting their sexual fulfillment and a relationship, it is normal for them to try to have conversations around it. Well, we had just gotten back together, and I was like, hey, I don't want to do this. I want to want to have sex even though we're dating. I wanted to work on a relationship. Okay, what was the pest ring? What does that look like? 'Cause it's different. Just they're constantly asking me. Okay, well, that's not inherently bad in a relationship. How she does it might be bad, but if you're just saying, hey, can we have sex? No, she was just trying to start things, and I would just stop her. No, no, no, no. Okay, she was making a move, is that-- Well, hold on. Are we really doing this? We're making a move in a relationship is bad. Did she stop when you said no? Yeah, but you could constantly keep doing-- [SCREAMS] This world is broken. Sorry. Maybe I am on the inside side. Maybe they were right. I hate insolves, but maybe they were right. These people are insane. You're dating someone, you make a move. She says no, you stop it, and you're a-- apparently. What the fuck is happening? Well, anyway, so she flipped this-- [LAUGHTER] Well, anyway, so she flipped the script and said, I was the one doing that, and then my mom believed her. Who even cares who's asking who for sex with dating? Well, it's more like she was like, I was pressuring. She said, she said I was pressuring her into it. Pressuring, dude, making a move isn't pressuring. You people, your-- buzzwords. You people are insane. You are literally why nobody believes any-- claims, any assault claims, anything at all. When a cancellation attempt comes against a creator these days, I literally not only stay neutral anymore, but I can't believe anything because of people like you, your [BEEPING] batshit insane. TikTok, and Reddit, and whatever has turned you people into victims, your partner making a move on you, and stopping when you say no, is not assault. You are not a victim. No one believes anything anymore. For real victims because of you. And this is 100% real. She's a real person. Is this so real? Yeah. What the-- are we doing? You've ruined it for everyone. I don't believe a single claim against anyone anymore. And it's because of you. And there's like 40,000 TikToks and Reddit posts, like people like you every day. And listen, if you say I felt uncomfortable in this situation, that sucks. I believe that, and I'm on your side. But the issue is people like you bring a level of energy to it that you got assaulted. You didn't say assault, but you bring a level of energy to it, of a nuclear [BEEPING] tack, that someone made a move on you, that you were dating. And that's something you said, no. It is insane what your [BEEPING] TikTok bubble insanity young women front-to-low dumbass have done. You've destroyed-- never, never, not a single one of you like her on their complaint if you're not getting cold approach anymore. Don't complain. It is your fault, it is your fault. You've destroyed the dating pool. The sexlessness among young people is your fault. The lack of cold approach is your fault. You being single of 40 is your fault. You guys are insane, and you've destroyed our [BEEPING] dating culture. If it makes you feel any better, I never went public about things I don't use the buzzwords of. Public? Public? God, she never went public about her girlfriend making a move and then stopping when she said no. She never went public. What a hero? What a hero? First of all, you are right now. Yeah. I'm like literally one of the most popular podcasts on the entire internet across the world. So shut the [BEEPING] up on that. And two, you just asked something to go public about. Yeah, I wouldn't-- for like, well, I did it. It made moves on me, and I've said no when I'm tired. I never went public about that. Why would I? Well, it's like other situations and the-- Oh, was it goalposts? I think it was. You see how it happens every [BEEPING] time. So the guy last night-- Yeah. He essentially, because he wouldn't stop assaulted you, right? No, I don't use that word at all. But I just say what it was. What it was. OK, why would you call it? I just say, like, oh, he just kept doing things and I kept saying no, and then I've actually asked a leaf. So that is--
Well, that would be a salt, right? I think at least extreme harassment, a salt? And that really happened, right? Yeah. Good, let's call the police. No. Why? If this actually happened-- I handled it and it wasn't a rating. How'd you handle it? I asked him to leave after a bit of that. Wait, you asked him to leave any left? Well, I literally held up in the door and said, "I'm sweaty and I need a change and I need to go to bed." Did you ask him to leave before that? No. Woo! I don't know if this part of our culture is repairable. Do the information that the people you surround yourself and the people that have told you you're a victim, they've done so much damage to you and people around you. What the fuck are we doing? I just keep not putting myself in those situations right now. I try to sit down. Except you messaged like 30 guys on Tinder last night to meet outside her hotel to go get a drink outside her hotel at 10 p.m. What the fuck are you talking about? Well, I started doing that at like 6 p.m. so. You had to meet at nine. No, it wasn't to meet at nine. I read the messages. I had to eat dinner alone. It was very lonely. It was a victim in that, too, guys. Who-- what man are we going to rest in charge for that? Well, I was going to pay for mine. I don't like people paying for me. I feel like they have, like, they expect something in return. So I just-- I would have paid for myself. Oh, my goodness, you're broken. You are a broken individual. Did you text back? No. I call. It's crazy. This is crazy. You know what? My girl just texted me. And she said, we're getting the good toilet paper again. Because she accidentally ordered the bad toilet paper. Should I claim she assaulted my asshole? Should I go on a big, twit longer-- A big tic-tock spree. She assaulted my asshole with bad toilet paper. That would be funny. And yet, guess what? All the women in your circle would 100% support it and try to ruin her. No, it just be funny. I was, like, a joke thing. You're pathetic. I don't even think you deserve a financial audit. People like you have literally ruined our society more than, like, anyone. You know, it's the suicidal empathy that people like you have, too. Where a rare breed is it? All the septum piercing problems with this stuff? It's actually not a rare breed. It's the breed that has put people into office that allows us to have, if I want to go by a calculator, it's locked up behind a chain-linked fence at Walgreens. You people have destroyed us. Is the septum piercing army? No, you're bragging about your empathy and all this shit. It's the suicidal empathy, where what makes you feel good, what you think is good, more masturbation for bad policies that have failed us. It's not left-wing, by the way. It's not left-wing. It's not right-wing. But it's the extremism. It's that hyperhorshu-populism extremism of suicidal empathy and insanity. Then there's suicidal love, I don't know the term for it, but if you hort you on the other side, there's just like the aggressive evilness as well. It's like you are all, and you've destroyed our society. And I hope you one day wake up and realize how far from the center you really are, the center of normal people. Oh, get it. Let's give you a financial audit. 'Cause I guess even people that destroy our society need help, too. What do you think your financial score is? Zero to 10, zero being the worst 10 being the best? We know your score is maxed out at 100 out of 10, but let's see. I took the quiz on the website. And the quiz on the website, killmembr.com. So that was like a 4.6. Well, see, we're retweaking it right now. So by the time this episode's up, we're retweaking. Honestly, I'll be honest, something really weird happened, and employee at one point tweaked it without my consent. Oh. Yeah, I know, right? I'm not gonna name. Good employee, but just like that was a mistake. And that's really weird. So it will be fixed. Mark seems to really think it's a meeket for some reason. I don't know why. But it's not the head of financial automaker. But anyway, don't get your score. It should be updated now and reflect correctly, 'cause it's probably lower than that. Killmembr.com. See where you're standing, the world of money, where you're doing, probably where you're doing great. And if you don't wanna be like a guest who ends up on the show, one, don't claim you got (beeping) when you didn't get (beeping) two, download the Dollywise budget and I've actually taken some accountability. I know you, 22 young woman colored hair, something piercing and accountability, (laughs) but download Dollywise, and you can actually take accountability. Take the free trial, see if you like it. If you do, most people sign up for the annual version 'cause it saves a lot of money, about 50%. And you get the physical version of my 30-day meal plan signed by me, mail directly to you and the digital version of the cookbook. See, I appreciate this. Look at that, she just got excited. She's a fan of the show. We only allow fans of the show to come on. How the (beeping) do you even have those takes? If you're a fan of the show, how can you even be the fan of a show that shits down the throat of people like you, consensually, of that kind of opinion? Like, how do you even have that take? How are you such a (beeping) victim in everything? When that's the literal opposite of what we preach here, it's kind of crazy. But I appreciate the diversity of the audience. Oh, I was very excited. I actually told Lindsay, I'm like, I need the cookbook. Okay, well that's the meal plan. Well, I want the cookbook to. Even just a PDF. It's been gone for months. Yeah, you'll get the PDF. Just like you're gonna claim every guy you've been with is a PDF. I know how people like you work. You'll always push the goalpost. You'll start saying they got with kids 'cause you had sex with someone when you were 19. Aviant, what's going on? Okay, that one actually recently got doubled. So it used to be a 500 limit? I was saying the limit got doubled? Yeah, yeah. So it went up to 1,000 and low key, it's now maxed out. So it's up from this balance from when you submitted it to 1,000. You know you're coming on financial audit and you double it overnight. Why? Did it at a nice time? Convenient time. Pull up the card. That's your. My phone, bud. You know the thing that really sucks too? I, other than you're like weird empathy jerk off and like cancellation, like the other than that, like the other conversation stuff, like I like you is like a frat, like we would be pals. You seem cool. But then you have this insanity part of you that I don't understand. Makes no sense. I think that's the best description of me and anyone's ever given me. Thank you. It's not necessarily a good thing though. You have available credit of $5, 'cause she owes $982 and 57 cents, but there's some charges coming up, of course. Auto pay is likely now 50 bucks. It used to be 20. It used to be 25. Credit score 627, what is wrong with you? I never set up auto pay. I just pay it whenever I pay. Yeah, it's not, it pays for off. Yeah, I'm paying the next paycheck too. I'm putting more money on it. It tends to get fired if you're not doing your job. And when can't do my job, I have empathy. Starbucks subway. Stopping gets in bullsh*t. Route 21. Bath and body works. Me, so Southern Park. Boardwalk, Chick-fil-A. Barnes and Obles is all within the past couple days, dude. Hair loft groove. Nancy, hair loft groove. That's my nails. But the car was actually built to be maxed out, so I only paid for a lot of-- Are they really fake? They're gel boater. Michael Store, when I got some bullsh*t, when I got some bullsh*t, Sheets, Commerce. When I got some bullsh*t, Amazon, Minceau, it's a f*cking scene. Minceau, it's where I get my tatos. What are you-- oh, those? Yeah. Oh, I f*cking hate you. When I got some bullsh*t, when I got some bullsh*t, when I got some bullsh*t, when I got some bullsh*t, talk about-- That was all in one day, by the way, everything I just read. The purple shirt, bullsh*t, bullsh*t, bullsh*t, Subway, Duncan, bullsh*t, bullsh*t, bullsh*t, bullsh*t. Now, when I got some bullsh*t, what do you stuff in the gas station for $5? What do you get? My Red Bull. Thank you. Okay. You know, because you're a fan of the show, but gamer subs is the way to go now. You make your energy drinks at home, just like you make your coffee at home, no more Starbucks, no more energy drinks. I guarantee it takes better. That's a guarantee we blind taste tested ourselves. Insert the clip. My flavor's coming out very soon, if it's not out by the time of this episode. So get ready. What? That's the video that comes up. Okay, pair of socials. I just see it. It's like burned into my head. Sit down. Sit. Quiet. Get your free samples, figure out a flavor you like. Link in the description below. Type in code Caleb. And you get the free samples. Then get the flavor you like at 10% off, which makes it $0.40 a serving with my link in the description below. Make your energy drinks at home, friends. Buddy, you have so many transactions in here that I can only see two weeks worth and I won't load past that. That's how much bullsh*t you swipe on this card that you can't pay off. That just doubled in balance. That is a crewing interest. A lot of that is also money I've used for clients and they owe money. What do you mean? This is all bullsh*t. Starbucks and Bullsh*t. Oh no, the Chick-fil-A that I had to pay for me and a client. Okay. Well, you and a client, meaning also you- Yeah, so she only pays me back like her part. Yeah, but you're still getting it for you! Interest charging Bullsh*t and the month that we have it was St. Bullsh*t going Bullsh*t, bookstore, Bullsh*t. So that's a 35.99% interest rate of death. That was my most recent card I've opened. The Sanity Death. What is wrong with you? What the f*ck is wrong with you? I need another card. I wanted to stop using my Amazon card for everything, so I opened this one. Open your phone. Give it to me. Oh, okay. What are we doing? Why do you need it now? Okay. Okay. Okay. We have an Amazon Chase card. It's going on in here. But I'm going to have to look at that Amazon. Oh. Oh. On your little Christian, you just got a message. Oh. Are you trying to settle down? Yeah. I've been trying. No, you're not. Girl, if the person you're with tries to make a move on you, you're going to claim you got $4,896.19 as owed on here. Minimum monthly payment to $120,000.
81 cents. Actually, overpaying on my cards to over that one, I pay like 300 whenever that's due. I have this Google number. That's purple. It's not going through it all right. Also, yes, you overpay, but it doesn't it doesn't matter anyway, because with the interest and purchases, you accrue. It's more than you're overpayed regardless. So, you it's at the limit. No, it's over the limit. It's over the limit by 96 hours. Shut the f*** up, overpay. Overpay doesn't matter if you still spend on it. If you spend the f*** out of it. Does you know you're coming on financial order? Did you say why you're in town? Yeah. Does you know financial order? No. Oh, he will. Oh, yes. 17 years to pay off if you don't even purchase and you only do minimums. And I, Amazon, Amazon, Amazon, Amazon. Okay, open it. We got to look at your Amazon. Wow. This year's so far. You've already lost like 500 hours in interest, dude. That's insane. Amazon, I don't income scales crazy. Amazon, I've not been using that card because it's maxed out. So, get a look at my orders. Okay. You can wear the first thing. That's a arriving Sunday. That's my mom sent me money to get my dad something. I just got a text that we're being our f*** us, the base is currently being rated well. I'm forced to just sit here and talk to a whore. I could be defending the base, but I have to talk to a whore. What a shame. I have a base that is getting rated later. Do you understand? I don't know what that means. Imagine like a dick forcefully going inside. That's what's happening. Wait, is it League of Legends? Is it that game? I used to play that game. There's a funny picture of one of my old friends took of me in. Okay. Calm down. I don't need your lore. Okay. I think it's like hair dye, the bone case here that looks like shit. Color ink. That's fine. Stackable storage didn't need it to survive. Sticky nose. No. Actually, I got $150. Garge out. Where's your scars? I have acne scars. I got a $175 gift card for Amazon because I almost did a debt. I really want to pop out one in the middle, but they're not that bad besides that. I went, I was going to do a debt consolidation. Then why was like, my mom was like, actually, you can probably pay that yourself. So they said, if you do, like, if you do this online survey, you'll get like energy drinks at $25 gift card. And then they were like, oh, if you go on this phone call for like an hour, you get $150 Amazon gift card. It's all bullshit. And you're shooting consolidate. It doesn't make any sense. Not because you can pay it off, but because people like you who consolidate, you're going to get double the debt in the end because you wouldn't have changed your behavior that got you that in the first place. We have great, incredible personal loans on Caleb hammer dot com that I personally use when I need one. So does everyone? It's great, but that's for people that can actually manage it. You're not. If you don't change your behavior, you're going to end up in both places. I love good debt. You are not someone who can use good debt. Oh, this is the card. Why would your mom be paying a card for you? Because it was my one get out of jail free card. So she's paying it off from $2,787? Yeah. She just pays them in a month, every month. So inches is going to be growing forever for. And when I do use it, I pay off. So she's going to be paying this for 11 years because that's how long it's going to take. Oh, I thought it was going to be a few years. But it's long with you. I genuinely thought it was only going to take like a few years when she first told me it's already been a few years since she's $2,787,280 minimum to payment and she's paying it. Yeah. She put in her own income too. So my credit score would look better too. So yeah, your incredible credit score of 444. I'm working on it. Listen, I mean, I don't know. If we do need to get you, do you want to stay there? Is it a small town? I'm trying to move like into a sub or outside of Pittsburgh and work at Pittsburgh? Oh, Pittsburgh is okay. I mean, it's not the best economic miracle of the city, but it's definitely had a little bit of the empty and out of the rust belt. It's like the eastern most rust belt. But listen, we'll get you a course course certification. A lot of people in the audience have used them to get six figure jobs, raises up to six figures. I'll get you one of those. Well, that relate to me, I currently. Is it what you want to do? Because you can get it kind of, you get a project manager. You can get it in the tech. Well, right now I'm finishing my psych degree and then I'm going to a nursing school. Okay. Yeah, nursing. Okay. Yeah. No, it might not have one for you. But if you ever try to do anything, we'll do that. And it can just add to your resume in general, right? Yeah. So interest is accruing like crazy, at least no fees or anything. Yeah, I don't have any fees on any of mine. I always pay them. What concerns me is the entire plan that you were talking about in the pre-interview is how you want to pay for credit cards. Okay. Yeah. Parts not a concern, but so that you can still use them. You're not a credit card person. Look what you've done. You're using. Girl, do you not recognize that on the first card, the advance, the event card that you literally got a credit limit increased just the other day before coming up financial audit and you already doubled your balance up to that limit. How can you tell us in the pre-interview that you want to pay off the card so you can be a credit card person and just use them? You're clearly not that kind of person. I did pay off like 200 and then I spent it again. Yes, exactly. That's the point. That's what I'm saying. Dummy. Come on. Ladies and gentlemen, I got something new to help you that we have personally built right here on Calebhammer.com. We have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on Calebhammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on the show. This makes it so much easier. But only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to Calebhammer.com where they Caleb Hammer financial resources part of the pinned comment or description below. Starbucks is bulls**t 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. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, bat and fatter. The number one ranked energy drink is Gamer subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10% off your order at Gamersubs.GG or click that link in the description below. Type in code Caleb. So how the f**k is that a possible plan? Look at your behavior. This is a mess. Not going to be able to sustain yourself. Also being told like, okay, yes, you want to move out. You told me I'm going to the Pittsburgh, but you're 22 and you refuse to even have a roommate. Don't have an income that's good enough. You have a insane minimum of the payments and you spend more than you make and you won't get a roommate. Where's your entitled? You're so entitled. My roommate's my cat and she can't work. You're not willing to get a human roommate. Do you not understand? I don't do well with roommates. And the only person I want to be my roommate also does not like roommates. So. Okay, then maybe you guys would be good for each other actually because you would just treat it with respect. Yeah, that's what I was thinking. I'm trying to convince her. Tell me. It's just, I don't know, just I like my own space. And if I have a roommate, I don't feel like the shared space is like part of my space. Well, you just have to be respectful. It both parties are respectful. It absolutely is. Well, actually with the Chase card also, they did the credit limit used to be 2,400 and then was in Florida visiting family in March. It doubled. Great. I'm asking about how you're going to need to save money. But you're so entitled to think you need to live in your own place. Your own place that's that's going to immediately immediately eat like 40% of your income in a minimum. I have a plan. What's your plan then? Let's hear your grand plan. I want your grand plan. I'm going to finish school. And then I'm going to I've one more year of undergrad and then the nursing program. My mom said it takes like a fall spring summer and then fall. Usually people's undergrad is nursing though. Why are you doing that? It's like a grad. Because I just decided now I wanted to do an internship. Then just go into it now. Stop your just transfer credits and start to pursue it now if that's what you're going to do. This is a psychology degree. It does nothing anyway. Well, a lot of the nurses are like second degree in nursing so they know they're not going to nursing now. Transfer what you can and take catch up. Why take this extra year of time and student costs and bullshit? Because I also think it would be helpful with what I want to do with nursing. I kind of want to be like psychiatric nursing. You learn shit on your own time. Take extra classes and bonus later. But you're literally wasting time right now. Well, anyway, the plan was I was going to do that. And then it's opportunity cost. You're just dismiss what I say and you say anyway. No, go into nursing now. Why waste this time? I have to talk to my mother about that. Oh my gosh. Why does she matter? Because her opinion matters to me. She's very important in my life. Yeah, okay. Get an opinion, but it shouldn't dictate your entire life. Look where you are. If you followed, if this is what her opinion has gotten you, then it's not working. Well, I guess her getting me out of jail with the Discover Card kind of just like not actually out of jail. Well, she kind of got me out of jail. Jail? No, she got me out of like my get out of jail free card was her paying that card off and I didn't learn. She was doing the minimum monthly payment. You're spending on all the other cards. And I was spending on this one because all my other cards are maxed out. So dude, you had deaths, you went to Disney. They maxed out at the dead. You're thinking of applying to consolidation or you did already. I didn't learn. I decided not to. Like what the **** doing. So okay, yeah, sorry. What's your plan? Plan is okay. So I finished school. I will think about doing just go straight to nursing, right? But I do have my schedule for the fall set already. And then the plan was after that I was going to live at home for like, because the program looking at they want you to work for them for a few years. So that's a guaranteed job for at least
three years. And I was hoping by like one and a half years in that, I would have saved up enough to move out. And by that time, like six months before I move out, I want to, like, buy, like, furniture and stuff. So it's not like all at once. Okay. So it's not like giant expensive. Like, oh, I need all this. What's the cost of your housing will be related to your engine? That's my concern. I know the place I wanted to, I was looking at for it's like, it was like two thousand months with utilities. Make three thousand two hundred. Yeah. And I'm, I don't know. Well, new job will be more entitled. New job, how much? You're still going to start on the bottom. Wrong. Okay. With this card, this Victoria Secret card, you purchased immediately what you put towards it. And with the interest that actually pushed it basically above. And it's to purchase a Victoria Secret because you want to look like a slot for your Christian dating app, I guess. I like their clothing too. Yeah, it's fine. A $30 is the minimum to payment. And I pay like 50 to 100. You could just pay this. No, you don't. You put, yes, you paid 50 towards it, but then you purchased 43 and then interest hit. You don't understand that. Well, usually that makes your friends extra towards it. It doesn't make a difference if you still spend on it and then interest crews. How do you not understand that? How do you not understand that that destroys the entire situation? Why try not to use those ones? The price I don't use that much. Because I can't use those ones. You can't tell me, you can't tell me, try not to. And then at the statement, I have you do. And it just ruins it. The interest rates literally 36%. You know how insane that is for a credit card, bad credit cards, credit ones like 28%. 36% is crazy. Why even allow yourself to, you're telling me you want to be a person who pays off your credit cards and then use credit cards, but you allow yourself to put two of these cards, spend money on two of these cards that have 36% interest rate credit cards. Really, the worst that ever seen for credit cards ever, ever, ever, ever, ever. I don't see worse than that for credit cards on the show. It's paid it once. Yes, but I've never seen worse than that for credit cards. I didn't know what that interest rate was. If you are the person who says you don't know that how can you be the person that uses credit cards, you're literally saying you want to be the one who uses credit cards. You didn't even know you wouldn't even look at that. And I thought it was a smart decision because I shop there so much and you get more rewards back. I mean, rewards are losing 36%. You literally in the entire pre-interview were blaming credit cards for increasing the limit instead of your behavior of spending up to the limit. I'm just an impulsive person. Exactly. So why should you have access to credit cards after you pay them off? I feel like once I'm smarter with it, I can at least the store ones. I can just use it for the store and then pay it off immediately once it hits. But you don't. That's the thing. You don't. Interests are growing. You're saying all these things that you could do but you don't. So what's the point if you don't? But you might. But I got to pay them off first and then I can do that. Okay, but you don't. Hey, there's only one card that's making progress and it's the one that you're not spending on because your mom won't let you that she is putting the minimum towards the rest of just going up. You're actually sincere. Your dad has only gone up. Like what the f*** are we talking about? How can you even say that to me at this table, at the financial lot of table? How can you say that to me? Well, it's just been my last few pay checks. I've been a little like I haven't gone up to like my. You actually have spent more on the card that your mom is paying off. So what the f***. Yeah, I've been spending it for the trip. But I've been paying it off. Show me. Oh, wait, my phone's hiding. Google number this guy. It's not loading. Come here. I don't know what the discover apps do. But it's so brother. I'm working on it. Hold it up. I'm trying to do my face ID and it just keeps going to the screen. There it is. Put on less makeup next time. Uber makes sense or you're here. The market. Oh, yes. I had to get my vinyl. I've been hunting for. I broke my nail with a fine of vinyl. No, it's not just spending here. You literally added a thousand dollars to it. Well, like half of that's for the trip. Half. Half. Yeah. Get out of jail free card. She's just she okay. I'm gonna try to get her on the phone with your in the post show. But we also need to get a phone on with your mom because this enablements crazy. She doesn't even realize she's going to be paying this forever because it's not going to take that 11 years or whatever I said. Now it's going to be double. This is crazy. Now it's over in the market. Bullshit. Uber and that's fine. Numerow 28. 44 dollars 30 cents. Oh, yeah. My expense of dinner last night. I didn't realize it would be that expensive. You can look at the prices. I didn't realize I'm adding up a bill there. She didn't give away anything. No accountability. This fucking bitch. That place looked good. Go anywhere. But you know it's going to cost money. Especially if it's like in the downtown area. Mark a market market. This is just. Yeah. Yeah. Going into bullshit. Some Wendy's. This is crazy. You're crazy. I did just pay like half of what I had spent before on it. Yeah. We might have to message him on Tinder, actually, since I want to make sure we have a good time. Pull up his Tinder chat. I would need my phone to do that, Caleb. That's why I gave it to you. Are you stupid? You're just sitting there with it for a second. I'm like, what are you doing? Dude, this small screen is crazy. Oh, yeah. I'm trying to get the new phone. I'm paying off next month my mom the rest of what are we doing that phone and I'm getting a new one immediately into that for a new phone. juice wine with that as long as I paid for the rest of that one. Look at you. You're trying to give crack down here. This is wild to shook. Okay. Yeah, the 36% interest is crazy. You literally just. So when you got extra money, you went and got a shitty coach purse for 600 dollars. I just didn't say this is frivolous. It's not even anything good. You didn't even get a good brand. And the funny thing with that is currently when I'm at home, I use a thrifted person instead of that one. Yeah, it's coach. I wouldn't be sitting outside with it either. What are you for? Coach is nice. I like coach. No, it's fine. It's really popular. I just learned about I live in a poor area. There you go. I just I've learned about bags recently and I have to you know, get gifs and coaches just as shit. It's not made well. There's just so many issues every time I view one. I'm like going through it and there's like stitching issues. It's all crap and they got read. I mean, they got they got outlet stores. Oh, yeah. There's not. There's not a moment. I trust the luxury brand that has that outlet store. I think like a macy's bag because at least you know, they're living up to the quality of what it is. Coach tries to pretend they're nice and then you spend a pretty penny for shit. We'll find you a nice man who will get you a nice bag. I have a nice bag. I got it thrifting. Unfortunately, you'll be giving a maids synchrony. Yes, it's one out of this. My American Eagle card. I used to work there for two years. Oh, so you went into that for that? No, no, no. I am. I just opened the card recently because I was like, oh, yeah, I've heard such good things about it. We're sitting out let's see. Yeah, you went through the outlet stores. Yeah, it's not an actual outlet store. That's where I used to work at at that store. Okay, $409.55 minimum monthly payments of. I think it's like 30. 30. Yeah. Yeah, just opening immediately did it. Oh, you got fired from American outlets. Oh, yes, because of my sleep issue. Oh, is that legal? Well, it's especially diagnosed. Well, this is a whole situation. I had pointed out and they had changed. I came in for my schedule shift on Mother's Day and they had freaking changed my schedule last minute. Oh, so wasn't free sleeping issues. Yeah, but I slept again and so then I was late again. So then they. She was like, oh, you're fired anyway because of your point issue because I brought in my two weeks to something. I'm not dealing with this anymore. You guys changed my schedule last minute on Mother's Day. See, this is insane. You're going to Orlando again, Orlando Studios. And I've told her, do you're never going to pay these off? Do you not understand this? Do you not understand the consequences of your behavior that you were doing? Well, I'm trying to, well, whenever I go to Florida, I see family. So I stay with them. So you're going to Orlando Studios, not family. Oh, I do want to go to Orlando Studios at some point. Exactly. Do you not understand what I'm saying? I swear, you hear my criticism and you go a completely different direction instead of addressing what I say. You're never going to get out of debt if you keep doing this. Well, that's why whenever I only want to go visit family, I don't want to go to like Orlando Studios. It's literally you're talked about going to Orlando Studios in October for your next trip. Oh, not with my sister. I wanted to just go with me and my cousin. So how does that my sister's coming with us? How does that change you spending the money and never getting out of debt? You will never make a sacrifice because you have no accountability. You'll always want to pay off debt, but you never will because you'll never sacrifice anything to actually do it. You'll never join us on the other side of the bill of prosperity, of paying off debt. I'm just slowly getting up the hill. No, you're just slow. I'm slowly getting up the hill. You're not getting up the hill. You've gotten in worse debt from the statements you sent then. I'm working on that hill. Okay, you're rolling down it, dude. Uncontrolled. Not a little bit, but it's there's some kind of person. No, no, no, where's the going up? They're all maxed out. Basically, they have that small little stupid card. Besides that, all the major ones are maxed out and you're relying on your mummy, mummy. You even told Lindsay that these statements were you being good. Yeah, I wasn't like the best month, but I was actually being pretty good. And here's your check-in account. $300-$300, I guess, your Internet provider? Internet excerpt to freestyle. Freestyle? Oh, okay. That was for something we were talking about in the post show, but that was money I had gotten to put into my scholarship for my sister. So I was transferred that to that account. And the reason I didn't send in that account is because it was just the scholarship money. Fablitics. Yeah, okay. They have longs. They have longs in their [BLANK_AUDIO]
pants. I need the longs. Okay. Call them, hair loft 80 bucks, hair loft 70 bucks, pay $514. Oh, that was money. I owed my mom. Oh, my goodness. Because I never get out of that. Because my school was like all that you owe money and a lot more and that all that and then yet you still go and get coffee. You still do $40 an Amazon. So you go to villa fresh $6,57. Play things. Let's play things. Oh, it's like a toy store near me. It's cool. It's like in a rocket ship. Like, what kind of like toy? No, no. It's like, like, I went with my sister and we got like squishies and stuff. Okay. Well, you spent $21.16 there. Duncan, Apple Bill, bullshit. Bullshit. You went and got some energy drinks. I actually heard a smart decision. Oh, yeah. That was when I was looking for a job. Wait, don't you have a car debt? Yeah. Okay. Well, I should probably see that before I go to your checking account. Pull it up here. Well, the thing is, I don't have that. It's your addict. You went inside. Duncan Donuts. You went inside. Got some bullshit. Went inside. Got some bullshit. Duncan Donuts. Went inside. Got some bullshit. There's more to this checking account. Let me see the car loan for this. What's your car? It's a 2021 Chevrolet Spark. I don't know if the pictures are but she's texted what the loan was and like the interest. But I only pay one 50 a month. What's the loan balance now? Like 9,000. It's in the first picture. So what do you think it's worth? I think we're probably around 1000. It's worth five. Oh, I got it for like, yeah, 12 interest 15.33. I don't know. My dad was doing the whole paperwork stuff. I just signed where I was when I was told no accountability, no agency, no ability to do anything. You're literally a permanent child forever. Shut the fuck up. You are not a victim to the world. You're only a victim to yourself. $260.81. Do you realize how pathetic all the excuses you're making are? Where nothing is your choice? So your mom pays this and then you pay her. I pay her 150. Yes. What? She puts 260 to it. Yeah, I pay 150 of that. This is pathetic. You're 22. You should be paying the whole thing. She needs to stop supporting you. This is crazy. No, he's back on his typing nonsense. I got to get this guy to call us. I've never been away from my phone did not see notifications as long as this guy back to the chicken to come. Energy drink. Amazon. Bullshit. Amazon. Bullshit. Bullshit. Victory secret again. Getting energy drink. Energy drink. Well, that might be gas. Arby's bullshit. Coles freestyle again. $900. Yeah. Drunken donuts. Spotify. PayPal 763. Yeah, that was money. 36. Duncan. You're checking in Constantine. You'd be out of debt if you just didn't spend your money. Nails again. Hill. Taver. Dave. Bullshit. Bullshit. Bullshit. Amazon. Taver. That's the bar. I go to. Oh, great. That you. I don't go that much. So you still win. You still spent money that you don't have. They're cheap. 22 Vera Bradley coach again. Bath and body works. Bullshit. Bullshit. Energy drinks. Journeys. Altar. Energy drink. Clares. Something. All right. You know, energy drink. Vinny machine. Energy drink. Energy drink. Energy drink. Taco Bell. Duncan. Energy drink. Energy drink. Premium. Energy drink. Zolt. Low dot net. Energy drink. Energy drink. Amazon. Amazon. Subway. Michaels. Bullshit. Bullshit. This is actually one of the most insane checking counts I've seen a long time. The freestyle thing again. Wendy's. Appable. Taco Bell. Bullshit. Duncan. Donuts. Bullshit. You. And all your money on Bullshit. Like this is crazy. Yeah. Yeah. No, no. You literally spent approximately 5,000 hours on Bullshit. You make 3,200. How the. No shit you're going in so far into debt and making it worse every month. You deserve nothing. Your mom needs to abandon you. So you fall and pick yourself back up and learn something for the first time in your life. This isn't saying. Oh, my lovely tiny savings account. Oh, wait, there's student loans too. Oh, yeah. How much? I don't know. Actually, we're going to call my mom in the post show and see how much it's total because some are parent plus loans in her name. Oh, well, we'll call her to get that. But for the ones you have, 900, that's it. Should be multiple of it in there. No, no, no, you're sorry. Your student loans is 21,866. You haven't even graduated. You're not even willing to take a fast track to your degree of choice. You're yourself stupid. I don't get it. 21,886 dollars. What's your minimum? I don't have a minimum. Here in college. Yeah. Well, don't be a victim about your student loans once you graduate. That's why I want to get the credit card done by that time. I'm being told you have concerts landed up trips lined up. This thing's for credit score is below 600. Yeah, that's someone from my bank. I have a lot of been. This is insane. This is insane. How much do you owe your mom right now? I actually just paid off her last thing. The next paycheck I gave her the 150 for my car payment and then I'm good. Yeah. And tell you're done with your car. Yeah. No, you owe her some for Olivia Rodrigo, but you don't know how much she did say that I that's fine because it's my sister's. My sister run to get a concert somewhere with her. You are so spoiled. You're so entitled. You are such a permanent victim to yourself and only yourself. Let's get this budget. You're so pathetic. The minimum to payments that you owe to your mom and stuff and not taking an account hers is still I mean, if your income not great of $488.81, what's your rent? Nothing. How? I live with my mom. There is no reason you're in debt. Do you have to provide anything for utilities or you're disgusting? You disgust me. You disgust me. This is pathetic. Actually, this is pathetic. Do you have to contribute to the groceries or do they grocery shop? They grocery shop. You are so pathetic. This phone bill. How much? Nothing. Okay. Gas is reimbursed. Yeah, but I have to pay how much extra. Yeah, but it's reimbursed in the end. Oh yeah. So I'm ex-centered out because that's included in your income of $3200. So I would say an extra insurance. My mom pays us. Subscriptions. I'll give you 50 bucks. Do you have any pets? Yes. Do you have to buy them pet food? Yeah. How much? Probably like 25 a month, I guess. What is your pet? A cat. Okay, I'll get you a $50 pen insurance. TP fund. Anything else? Do they buy you tampons and everything? I don't get my period with my birth control. Do they buy you toothpaste and toothbrushes? No, I pay for those things myself. Okay, I'll get you a TP fund $150. You decide where that goes. That's what you need to survive. I mean, they're still thinking you're a toll paper. I might need TP fund a little bit more. Is that include my nails? Any of my nails in there? No, you don't go yourself. You're entitled bitch. Medical healthcare. You got co-pays on a monthly basis? My mom has a car that pays for them. So you need a lot of therapy? Cray, your mom. Yeah, okay. It's like a car through there. Is there anything that needs to be in this budget that I've not put in? My nails. Well, you didn't put in gas. I have extra gas in here. Okay, how much for extra gas? That's in the app post-election reimbursement. I would say like an extra like 200. I got places to be. Yeah, you got to drive around to get your pussy filled, which is actually true. Not sure right now. I've been doing pretty good. Again, I'm shaming you, but like, go be healthy. I want to be healthy. It's actually fine. I don't really care. Don't let other people run your life. Did you literally have an extra $2,000 a month? Like, this is so stupid. This is so stupid. Like, your debt is paid off in less than a year. This is so stupid. This is one of the most pathetic things that I've ever seen. It's less than a year. Then I'm virtually funny. You'll be perfectly fine, but you'll never do it because you'll always prioritize concerts. You're getting enabled and you think you're a victim and you're entitlements up, but you can get out of debt like that. You're disgusting. Has an individual you're disgusting. In the post, I'm going to keep trying to get reached out to the sky, but here's the thing. Here's the thing. I'm going to keep trying to get in touch with him, no matter what after filming. In the post show will be my conversation with him whether or not it's filmed with her or even a week from now. It will be there. Join us with a post show for that. Let's get to him financial score first. Spending in a budget overspend zero out of ten debt. You have a lot of mom debt, so zero out of ten. Merch is funded and seeing things zero out of ten. Retirement nothing. Okay, everything zero out of zero out of ten. That makes no sense. Whatever score you took, that was stupid. Get yourself a cable. It's updated. It's better now. It reflects the actual score. Come join us for what is definitely going to be practically the best post show we've ever done in the next 20 minutes plus three premium shows every single day, Monday through Saturday. Join Hammerly here on YouTube by clicking that join button or link in the description or you can watch on the hammerly to app or hammerly.com wherever you prefer. It's the same on both platforms. See you there. I think I'm getting the call. Hello, so I'm here with who you went with yesterday, but she said that when you guys went back to her hotel, you kept trying to touch her and take her clothes off and she kept saying no, but you kept pursuing. I was just trying to do anything. I was just being honest. I was like, need to say she says all the king of leaf, please. I just launched the brand new Hammerly app available on every major platform, so you can watch every show anywhere you want, you'll get 3 experiences.
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Podcast Summary
Key Points:
Camille, a 22-year-old DSP from Newcastle, PA, earns $20/hour and brings in roughly $1,600 biweekly, but struggles with credit card debt across multiple high-interest cards (up to 36% APR), including a maxed-out Synchrony card and an over-limit Amazon card.
She admits to impulsive spending, including using a "get out of jail free" card her mom pays minimums on, and increasing her debt right before the show, despite claiming she wants to pay cards off to use them responsibly.
She discusses a past sugar daddy relationship where she sent explicit photos for $150–200 each, and a pattern of driving to college campuses for hookups, which she says contributed to her debt and led to a mental breakdown.
She describes a Tinder date in Austin where the man followed her to her hotel room; she initially framed him as creepy, but later clarified she invited him up and only said no after he initiated intimacy, which the host criticizes as inconsistent and damaging to real assault claims.
She mentions past relationship issues, including an ex-girlfriend who she says pressured her for sex, and a friend who told her she was assaulted, which the host dismisses as overreaction.
Her financial plan includes finishing a psychology degree, then nursing school, but she wants to move out alone to Pittsburgh, with rent estimated at $2,000/month, which the host deems unrealistic given her income and debt.
The host scores her financial situation poorly, criticizes her lack of accountability, and suggests she changes her behavior, avoids credit cards, and considers a course certification or roommate to improve stability.
Summary:
Camille, a 22-year-old direct support professional from Newcastle, Pennsylvania, appears on the show with a decent income of about $3,200 per month but is drowning in credit card debt. She has multiple cards, including one with a 36% interest rate, and has maxed out or exceeded limits on several, often spending impulsively on items like Starbucks, Amazon, and a Coach purse. Her mom pays minimums on one card, which the host calls enabling, and Camille admits to spending more on it right before the show, doubling her balance.
Her financial habits stem from poor impulse control, which she partially blames on burnout and empathy fatigue from her job, though the host argues she is too young and inexperienced to claim burnout. Camille also reveals a history of risky behavior: sending explicit photos for money to a sugar daddy, driving to college campuses for hookups, and using Tinder to meet men, including a recent Austin date who she initially portrayed as a creep but later admitted she invited up. The host challenges her credibility, accusing her of pushing goalposts and undermining real assault claims.
She also discusses a strained relationship with an ex-girlfriend and a desire to move out to Pittsburgh alone, despite an unrealistic $2,000/month rent. Her plan is to finish a psychology degree and pursue nursing, but the host urges her to start nursing now and take accountability. Overall, the episode highlights her chaotic finances, entitlement, and need for behavioral change.
FAQs
The guest was Camille, a 22-year-old direct support professional (DSP) from Newcastle, Pennsylvania.
Camille earned $20 an hour as a DSP, with gas mileage reimbursement. She mentioned experiencing 'empathy burnout' from the job.
She had multiple credit cards maxed out, including one with a 36% interest rate, and her mother was paying off one of her cards. She also had about $5,000 in credit card debt.
She said she had a sugar daddy who paid her $150-$200 for explicit photos, but she removed him on Snapchat and couldn't find him again.
She met a man from Tinder, they went to a bar, and he walked her to her hotel room. She claimed he tried to take off her clothes despite her saying no, but she eventually kicked him out.
The host accused her of exaggerating the situation and being a 'professional victim,' saying she made the man sound like a creep for normal behavior, and expressed distrust of her claims.
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