This Has Never Happened Before | Financial Audit

To watch episodes of Financial Audit a week earlier, check us out on YouTube. So you got fired for telling him he's not a black guy, he's not-- No, and he was saying I was racist, black girls. You watched it, Fuentes. Just saw a clip of him dropping the n-word. It's just a word. We mentioned black fatigue, because he was telling me a story. Then they said something about being racist, and I was like, yeah, like, we're tired of that. Who's waiting, huh? June 1st, I'm launching the Hammer Elite app, available on every major platform. Join the wait list by using the link in the description or pinned comment down below. To get a never-before-seen financial audit video, and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog, and our Hammer for Lifebox packed with limited edition merch. So mark your calendar. June 1st, this is the best membership you'll ever join, and that is a promise. Hello, my name is John. I'm from-- I'm not from by living in Arlington. I'm 37 years old, and yeah, it's pretty much a-- Well, no, it's not. There's a lot more. Well, and this is financial audit. There only is. Listen, John, you made a mistake, my friend. What's up? And I'm sure we captured it on camera. You made a mistake. I don't know anything about you. What did I do? You-- the moment I sat down ready to film, you went to go peepee. So Lindsay started telling me things. Oh, no. things about you. So that's awesome. Weird. You don't kiss your girlfriend because they're teeth are rotting out. Would you? What is wrong with you? You beast? Would you? I wouldn't be with someone who has rotting teeth. You freak. What are you doing? Why are you with her? You want to leave her. I'm also being told fair enough, but you can't because she essentially makes it so you're surviving, but you won't even like approach her mouth. You're just like, well, I would get her teeth fixed if right. Am I doing this right? Is that? Yeah. Well, if you do it from behind, you don't see that. Yeah. Yeah. Okay. Yeah. Okay. It works. So, I mean, me personally, would leave a rotting teeth individual, even if that's the only way I was affording to live. Right. Jonathan, yes? Hmm. Maybe you should do that. Yeah. What the fuck is wrong with you? Why don't you give me your side? Because, um, yeah, that's that's essentially the little bit of lore I was given when you had to go pee. So rents expensive rents expensive. Yeah. So you stay with mouth. Yeah. No. I'm working on that. There's a lot of options. Okay. You're you swiping on the max to try to find another one. What are the options? Well, I don't know. I was asking you. Are you swiping on the apps to try to find another one to milk? Just this time with a fold, you know, it's hard to date while you're with somebody. You won't even guess or I think you've kind of already moved on. Just not in the actual physical way. Yeah, it's it's a financial thing. Does she know what's a financial thing? Jonathan? I think that she would have to know because, you know, we've gotten into fights and she's, you know, it's case came out. What's come out? I'm only with you for money. Yeah. I think I said that before. What the fuck? And does she have no self-respect? How did how did she not immediately kick you out or leave that day? Oh, what? Yeah, I don't know. Do you have self-respect to she? Who does? Who doesn't? Everyone does it apparently in your relationship. What the fuck is going on? What's with it? Is she? Yeah. No, she is. Is she actually? I think so. She actually, I just go all the time. What are you? And you know, that leads to a fight. So I try not to, I don't want to lose like, you know, half of my rent for calling her that, but say, dude, you know, so sometimes I have to bite my tongue and it's a it sucks to be honest, but and what's this rodding teeth thing? Well, so when you first meet somebody, obviously, like I can see your teeth, right? I can see the first four six, maybe, but I'm not like in there looking around, right? And have a cavity. Yeah, so I don't know the root canal actually for what it's worth. Don't ever get a root canal. They're bad. So hollow tooth. They break easier. It's getting implant. Okay, okay, either way. Anyways, so expert. So yeah. No, what's going on? You won't even kiss your girlfriend. What, what is happening there? I don't know. She's never been with a rotten mouth individual. Do you have like a photo? Oh, no. She doesn't like to show me. What what's happened? Is it nasty? It's just, it's just they're breaking and you taste them. They're decaying. She brushing her teeth are going into the dentist. Well, because it's not going to fix them. Yes, it would. The dentist. Well, yeah, going to the dentist and getting them, like, replace it. It's an asthma in cold one to the dentist. He got money. He does have money. Okay, but I thought you were using her for her money. Okay. So it's a it's a finance thing. It's a little bit of money. Why is it you preventing the decay with, you know, brushing? Yeah, she should have, but it's been. Well, she can at least slow it. No. Is it all teeth? Yeah. Every tooth is decaying. Yeah. Falling out. I think so. Yeah. I mean, she doesn't like let me go in there and look. She stops me from doing that. But you've requested like, excuse me, let me in there. Yeah. No. I don't want to show you. How do you know it's bad? All right. So she's been, she works with pets. She's been taking dog antibiotics because she gets infections. And she can't go to the doctor. So, but about a month ago, her face started to swell up. Like, it looked like she had a baseball on her mouth. And she had to go to the emergency room for antibiotics. And they basically told her like, yeah, if you don't get something done about this tooth, it's going to kill you. And she doesn't care. They'll take all your teeth out apparently, but they won't like replace them. And she would rather die than not have any teeth soon. She's going to die. She doesn't care. Why are you with this woman? She wasn't like this. When we first beat the dollar. How long have you been together? About four years. Why am I not hearing her side? What would she say about her teeth? All this. She would say that I don't like, I hate being alive. I don't care, etc. I just live in the moment. I'm just worried about the next 15 minutes. That's who you want to be with. She wouldn't like that when I first met her. Okay, great, but she is now. So like, oh yeah. And then she she's moved in. She's we've been paying rent together and it's just been ongoing. Does she breasts her teeth? Is he a picture of her? Can you? Please. Please. This, you haven't seen? Oh, okay. What is happening here, man? Like, I get it. I'm afraid of needles. I have a little bit of a fobie on that. She sent me this last night. So here you can. She's sending you photos? Yeah, she went to a concert last night. She's kind of pretty. Yeah, when she's not talking. Do you enjoy any moment with her? Yes, when she's not talking. Because all she does is nag. Okay, so why are you with her? Is it only the dollar amount? No, is this your breakup? Is this what is this what you're doing? Are you coming on financial order to break up? You know, she was mad at me for going on the show because I wish she would have came, but she's like, well, when are you going? And I was like, I don't know. And she's like, well, let me know how much longer I have. What does that mean? How much longer she has? That she have and did we're going to like be together. She was hinting on like moving out because I'm going on the show. So she knows you've come in. Here's the end. But I think she's just talking to you. You guys still have sex. Yeah. Just no kissing. Correct. It stinks. Yeah. You can smell it actually. Yeah. Hold her. She's 27. Oh, 27. She's okay. Yeah, I mean, she was cute. She actually is kind of cute. It's kind of crazy. I wish you were to start hanging out. I would take her nose to know her. I wish she would. Okay, you have one. She has like the one right here. Okay. It fits her personality. Something piercing. You never heard of the nose ring theory. Of course. This is this is essentially this show. It matches for what it's worth. But I mean, I'm honestly, I don't like a little bit of you know, I can, I can still have some fun. But okay. Oh, okay. I see. You hate that she's super liberal because you're on the right and watches right wing YouTubers all day. And she hates that. And then she else it's you. And then you smell her breath. So that's kind of what I'm being told. Yeah. So I'll watch it. She can't be here to defend herself. Oh, you're just watching fresh and fit in Andrew Tadal Day. Okay. Not so much anymore. But the point is and etc. But more on the extreme side. Yeah. I don't agree with everything that they say. I just think it's funny. Some of the things they say. So you're into the rage paint stuff. Yeah. Okay. Like Nick, particularly I think he's, I think it's funny what he does. Okay. So you guys vehemently disagreeing on politics. She's nasty. Yeah. You still stick it in. I don't really pull that up again. Pull up the phone again. Let me see. Let me see. I have to see. I'm sure I'll dive deeper into the messages in the post shop. But I just have to see what you guys are talking about. How often are you guys fighting? Um, yeah. - You guys text a bit. - Yeah. - I guess your foot's hurting. - No, I was hurting before. - Okay. Okay, she's sent a picture of the dog. You guys have a cute dog. - Yeah, we have four dogs. - Does she know what's happening right now? So she's getting ready to leave? - Yeah, she went to a concert last night. - No, she's getting ready to leave you. Who's gonna leave who first? - Uh, what is she gonna think when you're exposing? - Her nasty shit. - I mean, do something about it, huh? - Then she should do something about it. - So you want her to leave? Are you doing that classic trick where it's like, do everything to make her leave? 'Cause you're too much of a pussy to break up. - I wanna fix my life and she doesn't wanna fix her life. She doesn't wanna be a part of it, so. - She says she doesn't know how poor she is. She doesn't care if she passes out. And I'm really confused. I think when I was coming to just buying food, are you guys just not eating? What is your job that's in my first question? - I think that's your job. - That was in reference to like, so I've been like meal prepping and eating quote unquote, slop, and she refuses to eat it. She'll only like McDonald's or you-- - Yeah, there's a picture of her eating McDonald's. (laughing) Okay. - Yeah, so. - Oh, she works for-- - Yeah. - Okay, so she's not making much? - No. - But is she out like minimum wage? - Uh, maybe like 15 or something like that. - Uh, what are you at? What do you do? - I'm at 21, and I'm a, can I say it? - Huh? - Can I say like where I work or-- - Yeah, you could say whatever the-- You are, man. What you say and don't say is up to you. Oh my gosh. There she is. No, it's not for the show. There's a completely swollen face right there. This is built up with fluids. - Yeah, it was an infection. So they gave her antibiotics and-- - Good death, man. Good death. - Yeah. - Okay, sorry, continue. Yeah, what do you do? - Basically management. - Management in what? - Veterans. - You manage. You manage restaurants? - Yeah. - Okay. - Currently I'm an assistant general manager. - Oh, assistant GM. Assistant GM's almost made nothing. What do you make? - I'm a 21. - Okay, well, listen Arlington, Dallas Fort Worth area. It's kind of expensive, I guess. Yeah, I mean, it's just like, what the fuck was wrong with her face there? Is this insane? You guys are so weird, man. I don't understand. And what is, she's always sending pictures of these, like her in, she has like these in-app things. - What do you mean? - Like these games. Like this. Gives this. - Oh, that's Pokemon. - How much are you guys spending on Pokemon? - She doesn't make money. She doesn't make money. You don't make money. What are we doing? This is the weirdest relationship ever. Oh, and I see who you guys watch. - But she doesn't like him. - She used to do. - She used to. Everything that- - She moved on to the husband. You stayed with Asman, she moved to Hasan. - No, she doesn't surprisingly, but yeah. Everything that I start to like, she'll just develop a hate for it. - Okay, so you guys first started watching you. I was like, oh, this guy's funny. Oh, you know, I'd watch the clips in the car and then all of a sudden it was on, man. - Why, what does that even hate about me? - She just doesn't like- - So if I call her in the post show, what would she say? - I don't know. It's a good question. - Should I say her a piece of shit? - Well, how am I a piece of shit? - I don't know, 'cause you help. - Believe in personal responsibility? - Yeah, accountability. - But people, man, I am. - I know. - Okay, well, I'll look through even more of this in the post show, but let's get back to the conversation. Okay, so, okay. Listen, it's hard to talk about a relationship with someone's time here, but I would just leave, man. Just leave, just put it, get yourself, put yourself in, I mean, I'm being told you're into someone else at work anyway. - Why don't I be a little less? - So if I leave, I can't pay my rent. - Put you're into someone else at work. Just, well, I'm not- - Oh, just moving with them. - That's what you do. That's not what I would advocate for, but that's what you do. You just milk women. - No, that's not like a- - Wait, I'll work. So what does she do? Is she the manager? - No, so when we broke up, I was talking to somebody- - Broke up. - Yeah, me and my girlfriend, we broke up of last year, I think. When they got back together. - Yeah. - Great, okay, go on. - So when we broke up and we got back together, but when we were broken up, I was talking to somebody that I worked with and- - Work with, what is this person's position? - Oh, we have the same position. - She's an assistant jam. - Yeah. - No, she's not. With that reaction, no, she's not. Come on, don't bullshit me. - Okay. - I don't need a bull shit me. - Basically, I mean, yeah. - Basically what? - Yeah, we basically have the same position. - That's not a thing. - What's her job? - So we met because I was training at her store. So we had the, yes, we had the same position and I was training at her store. So that's why we were both at the same store. - How old is she? - Uh, 21, 22. - You're 37. - That's pretty advanced on that gap. - So age gap. - Can I see what she looks like? You're gonna try to get with her now. You're gonna leave yours. You're 29 year old or 27 year old. Like age gap, that's not that crazy. And you're going to leave her for this. And she's not an assistant jam. It's 21 if you are at 37. - Yeah, my current jam is like my jam. - So you're just a failure. - Okay, so you're just a failure. If you couldn't get GM at 37, but your boss is 19. - Yeah. - Cuz wrong with you. - Yeah. - Okay, your fucking loser. - Let me let's just be honest here. I think that's what we're starting to pick up on. And I get it. I mean, bro, she's not as attractive at all. She's as fat as panic. What are you doing? What are you trying to do? Or are you just interested in getting her to pay rent? No, that's a serious question. - Looking for a better picture. - I'll look through those messages as well later. Okay, no, okay, she's cute. - Okay, she's cute. Yeah, I thought she was fat because her tits are huge. And it was just an angle of huge tits. So, where are you pulling? Yeah, I don't understand. You're a deadbeat. You're a loser. You can't pay your own rent. How the fuck are you pulling? Which means, by the way, if you can't pull out there, that speaks to how bad. - Oh, there are tricks. I mean, you can get down. - How do you trick them? - In this case, specifically, we were hanging out, we went out, I was talking about my dogs, and I was showing them her photos. - You're like, "I won't give you a raise unless you suck my dick." - No, I don't have any control of her. So, I was showing her photos of my dog, but you know how in the phone, you can see all the different photos. Well, there was a dick pic in my photos, and then she said she's seen it. And she was like, "Oh, hey, let me see that." And I was like, "Oh, no." And then I started playing that game where I'm just gonna push her away. You can't see it, and then she'd get wanting it more. And then, yeah. - Dan, do you teach you this trick? So this is a tape trick? - No. - So the trick is to show them a dick pic without, with an answer? - What just happened, and it just worked. So it's, okay, is this person ready to take you on as her leech? - No, we dated, and then I started talking to my ex again, and-- - Rotten mouth. - Yes. - And then we got back with that. Okay, continue. - Yeah, so we got back together, and it basically stopped talking to the other girl. - Okay, but now, now that you're done with current, are you going back to Youngin? - No, I don't think so. - You're gonna do, 'cause your entire thing is not pain-wrap. If your girlfriend's gonna leave you after we filmed this episode, how are you gonna pay for it? - I don't think she will leave. - Desperate enough? - Why don't you show-- - Desperate? But you're not gonna leave her either? I thought you wanted her to. - I wanna fix my life, and if she doesn't want to fix it, then-- - How are you fixing life? What is your fixing life? - Get my finances together. - Okay, so we're going into your account on a monthly basis with this job, this 21-dollar-an-hour job, which again, I mean, it's actually not horrible if you work good hours in that area, you could do, okay, you're not like living a life of luxury, but you can make it on sweet. - Yeah. - Her wage, that's harder, but go ahead, tell me. - Yeah, with the both of our wages, it works out better. - Okay, well, you told Colton you were playing the long game with your coworker, so you're kind of-- - What do you mean? - You're kind of lying to me. - I don't know, you told him you're playing the long game with your coworker. You told him that you're playing the long game with your coworker, and then he told me you're not interested in getting with her, so. - Would I get with her again if she wanted to be with me? - Sure, but we don't talk, so that's not, it's not like my choice for that to happen. - So what's your pay? - About 3K a month, I would say, roughly. - Net? - Yeah. - Okay, what, so you're fine. $100,000 a place, what's wrong with you? - So-- - Is it life a luxury? No, but you're okay. - So the house that I stay in, the rent's 17. - I don't give a fuck about the house you stay in. - But I only pay four to live in it some months, ideally. - Wow. - So I have a roommate, he stays upstairs, and he pays $800. - Okay, split with him, yeah, there you go, you're fine then. Cake her out, there you go. - I don't have a roommate all the time. - Why, I see not always there. - 'Cause the air conditioning doesn't work very well and they move out. - He just consistently moves out. - I've had six-- - I think it consistently moves out. - I've had six roommates for the past three years. - Oh, different people, what the fuck, okay. Who owns this house? Why is the landlord not fixing it? - One of my best friends. - That's why, why is your best friend not fixing it? - 'Cause he's cheap. - Yeah, yeah, okay. Well, I don't know if that's a long term play, honestly. People keep moving out. - Our friendship has been-- - Oh! - Yeah. - Yeah. - Lucky because-- - Oh, who would have thought? - Yeah. So basically that moved here because he offered me to come here and then he left to go move to Thailand. And what you'll be doing soon, that's where people like you end up. Come on. Can you blame me? Yes. Why? Get your shit together. Date a nice person here. You'll be fine. Yeah. But it said you just keep going for like, okay, yay. She just turned 21 and boobs are huge. Let's get her in the back of the store or there's a rotting mouth girl. We just put her face down and it's fine. Like that like you're just making insane choices here. Yeah. I'm just stuck financially. I feel like. No, you're stuck in the relationships too. You're just weird, man. No, I just everyone. Sure. But again, you're stuck with rotten mouth like you're desperate enough to stay with somebody you don't even want to be with. You guys are completely not politically aligned, which many people make work in relationships, but you guys clearly seem not to. You follow an extremist different directions anyway. Yeah. So no, it's not just about everyone wants to be in relationships. So when we first met, it wasn't always like that. We got along. We hung out. We did things together. You know, we didn't fight. And just slowly but surely, it just got worse. How much does your girlfriend pay to the rent? Every week she'll usually give me 150 bucks. Sometimes 200 bucks. And then some weeks she'll have to pay back other people or she won't have a decent check because she didn't work as many hours and then she'd be like, oh, can I just give you money next week? So if I had to guess roughly, I'd stay somewhere between six to 800. She would contribute towards bills. Okay. So listen, why don't you just move out? It's your friend. You're following out. Move out. Get a place for a thousand bucks. Who gives a about the roommate situation? The girlfriend situation. You already want to leave that. When I move out, you can survive on your three net. You can. So we're going to find a place for $3,000 or I'm sorry, $1,000 a month. Yeah, let's forward area. How much do you need to move in? First last security. It's like 3k. Maybe potentially, but we could get you there. Even if you borrowed that amount of money, I would still save you more in the long term. Maybe. No, yes. But right now I pay 400 a month. Right now, but your roommate situation's in and out and you want to leave the girlfriend anyway. So this isn't reliable. This isn't a long term. And isn't your friend raising rent on you anyway? Yeah. He said he's going to go up like $300 next year. There you go. So I'm saying a sense of little independence. Isn't that what you're looking for? Aren't you trying to get away from her specifically? I'm being told she hides you from her friends. Yeah. No. Yeah. Why? Why does she hide you? Well, because we broke up. She doesn't want them to know that we got back together. What months ago, right? Yeah. How long have you guys been back together? Last summer. How long have you guys? Once a week. That's crazy that you're even at that. Why is she with you? Why is she doing that? If you guys do not like each other, you want to leave it. It's only a financially dependent relationship. What are we doing? Why is she with you that way? It's good sometimes, but it's rare. Okay. So are we fighting for this thing or not? Are we trying to get you out? Where am I trying to get you? I need to know. I want to be able to budget. I want to be able to have money. Yeah, I would like to know because you're telling Colton that you would like to not rely on another on a girl to live. I agree, but you were telling Colton that you hate that I tell people to budget themselves. Well, you said out of poverty, I guess. I don't know if I've ever used that direct quote. Yeah, but you're telling something like you you can budget. No, I don't make enough and he's like, well, you do make enough. Yeah, you make enough not to put like a dent in what I owe. Drining in student loans with massive interest rates, I see it on the show all the time. 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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. But you've been still a sense of independence being able to live your own life. If you pay off your debt long or a period of time, yeah, that's okay. Maybe pick up the side drive. Well, Morgan, it sounds like 20 years. I don't know, you could also go through bankruptcy. I don't know your entire financial situation yet, but how can you just be against me saying, budget doesn't make any sense, especially if you're telling me you want the budget? That's such a conflicting worldview. I'm confused. Well, yeah, I want a budget. I want to be able to be financially independent. I want you to live a budget is wrong. No, you said budget your way out of poverty. I don't think I said that, but even if I did, sure, maybe I don't know. There's something along the lines of that. And like, you can't, you have to, you have to make more money. I can't just make three K. And then, well, here's $200 towards 40 K. Oh, here's $200. Yeah, that would take a while to make more money. That's why things like bankruptcy exist. That's why debt consolidation exists. Credit card transfers exist. But not before you change your behavior for what it's worth, but there's a lot of options out. I don't think I've ever just said budget gets people out of poverty. And it's that as simple. I don't think I've ever said that in my life. Why would I? That's so much more complicated than that. It was something along the lines of you can still budget your way out of debt. Yeah, I just agree with that. You disagree with that. Yet your large purchases are $994. Miscellaneous bullshit upwards of $300. Going out to eat was like $200. Subscriptions was in an extra $100. Unknown shopping, $235 couldn't subscribe. Put that. Couldn't figure out exactly what that is. We'll figure out if it's necessities or not. If phone bill itself is 2.7% of your spending is ridiculous. Yes, you absolutely can. I mean, you are spending. 2.7% for the phone bill of your spending, not income spending. Your spending is more than your income of your spending. Yes. If your income, it's even more. It's probably closer to like four or five, but even still regardless. But if I don't have 2.7% if I don't spend that, that's not going to get me out of debt. It's a part of it. And actually 2.7 would get 2.7 closer to debt. But either way, put that aside, you still spent minimum $600 on bullshit. And it's likely upwards of a thousand. $600 on bullshit going towards debt. Yes. Would put a debt in towards that. You can't tell me. You can't budget your way out of debt. That's not how that works. I need to make more money. That's a part of it. But you get to choose where your money is going. More money accelerates. Yes. But usually people is is you who get into the situation. They get a 20% raise. They spend their they start spending 30% more. So what would you never change? So what am I supposed to do? Budget more on. Okay. But I don't make enough. So if I would just spend 400 on bullshit, 500, 700. Well, what what what what bullshit? Okay, miss. So it needs to bullshit. Again, this usually gas station or video games, something like that where you stop and just doing a quick swipe, 218. It was about 200 also on going out to eat. It was a hundred dollars on subscriptions. You spent way more to grocery store than you need to do, by the way, for yourself. So she needs to contribute or something else needs to happen. Your transportation bill was absolutely massive. So you must have a car payment that's ridiculous or something. Yeah, I do think my car payment is yeah. Well, there you go. You made some pieces. Other large purchases we don't know. How's it? Because yeah, we'll have to get it. Okay. But other large purchases $994. We'll see where those went. But it is never 100% necessity or 100% bullshit. It is probably split down the middle meaning you hired hundreds of bullshit in there plus unknown spending. Unknown was 235. That could be bullshit or not. Even if half of it is that's an actual 150 to bullshit. Listen, that's at least $500 on bullshit. At least $500 on bullshit. Make more money or not. It doesn't matter. That's $500 that could go towards that. That did not need to go towards bullshit. So you can't tell me you can't tell me you can't do that or what to do. What do you fucking about? That makes no sense. So $500 extra dollars. And then now I'm in a $1,000 apartment. That's where the money is. Nothing's changed. Potentially, but also you have to make a choice. Do you want to be with her now? It sounds like no. So you need to get her out, which means your rent's going to be more than that $1,000 anyway, especially for roommates gone. so you need to get out anyway. You're right, there are give and takes here and there, but even so, I mean, what, housing, maybe you had to swim with other people, I had to housing over 2000. So. - With the utility. - Something was broken. Well, there you go, does it make sense? If you had a thousand dollar apartment, you're not gonna have another thousand hours of utilities. So yes, you would have saved money there. Okay, you say 3000 comes in, let's see if that actually stacks up with the reality. 'Cause do you actually know, I don't know. Oh, it was actually more than that for what it's worth. It was 4,300, it was a good month, good hours, huh? So is that including like roommate payments? No, it was payroll. Payroll should not have been 4K. It was 4,383, maybe it was an extra paycheck month. 'Cause there are a couple months that are longer in the year. I don't know if we just had one of those. I would say every two weeks, it's around 14,500. Okay, it may have been an extra paycheck for those if they have a couple of hours. I think I did get a bonus last quarter. Maybe it was a bonus month, either way. Well, it was just spending, that 43 came in. What was your outflow? Let's find out. What did I spend it on? I asked what you thought, Jonathan. Don't be that do not reverse that on me. I asked you, come on. I don't know where it went. Not where, I'm asking how much do you think the outflow was? Number, 4,300 came in. Where do you think the outflow was? Not where, how much? Less than that. No, it was, it was $5,848 and 85 cents. So just shut the fuck up. Really? That's surprising. So you just don't know what the fuck you're doing, man. That's surprising. Surprising, how is it surprising? You don't budget. How are you surprised? If you don't track, how would you know? How would you know? How would anyone expect to know if you don't budget? I would never know if I didn't budget. I couldn't tell you where my shit went if I didn't budget. Yeah. I basically, I have bills that have to be paid and then I just pay them and then I do spend the minimum on things that like food, for example. Like, I don't go out. I don't go and do things. She do. Like, I have the spending in that spreadsheet. Where do I go? Objectively do. We'll go through the actual individual purchases, but it's already been marked by the accountant. Hundreds going out to eat hundreds on miscellaneous bullshit. Hundreds on unknown purchases. Hundreds on other large purchases. Yes, you did. A thousand on subscription. There are a hundred unsubscriptions. Yes, you do. You can't tell me. They're not. Just because your doesn't make it so. It's right there. I can explain it. You can explain it, then explain it. Well, yeah, I have to see the individual purchases. So, even if you do move out or don't move out, does it even make a difference anyway? You lose jobs every five seconds of your life and being told, how long have you held down this job? I've been here for over a year. Okay, and you lost three jobs immediately before this one. Correct. So, why? Are you going to get fired? What are you always fired for? You're getting fired left and right? Just bullshit. Oh, yeah. Let's try to have a little more details in that since we're on a podcast where we talk. Yeah. Okay. So, a couple of months or a couple of years ago, I worked at a job and I got fired for frightenization. So, you're always trying to f*ck your coworkers? No. What are we done? We're just talking. No, I don't think that would just be. Yeah. You don't just talking that almost into your fired. Yeah. No. Well, we didn't just talk one time, but. Well, you were endlessly talking and they said, "Hey, you need a work?" No. They said, like, you're in a management position and you can't talk to people like. That doesn't make sense. Like. Like, inappropriately, maybe. Well, it was both ways. So, like, it was, like, she was doing it too. Oh, and who's this? What were you guys doing? What are you doing? What are you doing? What are you talking about? Stuff. What's stuff, Jonathan? Just stuff. Like, we liked each other. Oh. And what was her position? She was under me. But I didn't have control over her. I didn't do her schedule. I didn't do her pay. I didn't give her hours. I didn't none of that. So, I had no authority over her, but. It's considered fraternization. This was two years ago? Yeah, two years ago. Yeah, two years ago. Something like that. Why don't you with your girlfriend at that time? I think so. Yeah. Oh, that would be cheating. Did you. Did you. Did you. This woman? No. Did you see her naked? No. Not even images. No. If you pull up your chat with her right now. I don't think I have it anymore. That's convenient. How? I know and delete chats. Yeah. Funny story, actually. I have to take a bunch of pictures at work. And my storage got full. So, it was like, do you want to delete your messages? I was like, 20 gigabytes of, like. Oh, okay. Yeah. Listen. I mean, I. I really don't give a. I don't. Unless you abused your power, I'm not the. No. See, and if I did abuse my power, I would be like, okay, like, hey, like, if you don't go out with me, I'm going to cut your hours or something like that, then sure, yeah, I would do deserve to be fired. I'm relatively with you. I'm not like a weird TikTok reddit, Gen Z, moron masturbator that freaks out about everything. Unless you leverage your power, then it's not an actual abuse of power in America. So, I don't really give a. But, I can see why your boss would. And I think that's reasonable that your boss would be nervous and doesn't want to deal with any of that shit, even if it's just drama and would fire you. That's not unfair. I think that you should have to do something wrong to, like. He probably considered that wrong. Well, she didn't. Doesn't matter. Doesn't matter. You're busted. And your boss is the one that fires you, not the person under you, and two other jobs, so what else are you doing? So, the second job, you know, management, there's some guys there, me and one of the guys, we were talking about just guy stuff, right? What's guy stuff? Anyway, when you're a star, they like to do it. You can do anything. Whatever you want. Grab them by the pussy. Relationships, women, etc. Like we would talk about sports, video games, like we would. We would just talk about everything, right? And this particular topic, he was saying that he was oppressed. He was black. And I was like, you're not oppressed, etc. I'm oppressed. That's what you said to press. I was confused how black I did. Yes, okay. So, he was. He's oppressed because he was black, is what he was saying. And I was like, you make twice as much money as I do. How the f*ck are you oppressed? You know, our bosses are black. How are you guys oppressed? Why don't you get into this conversation with a coworker? Obviously, that's going to lead to. Well, why? We're having a private conversation. Because it's still a coworker. He's not. He's initiating it. Yeah, but you didn't have to get into it. I mean, no. And like he would tell me things about him and his wife or whatever, like he doesn't like to f*ck her because she has stretch marks, etc. So like we had conversations on like deep levels. So like. That's fine. But you're pushing back on like some racism stuff and they. Oh, it gets weird, man. Well, now I know, yeah. But it's bullshit. Buddy, you weren't young. No, but like I should be able to trust the person that we're having. Should you. You can trust? I don't know. I've learned that you can't trust anyone, unfortunately. I've learned of this job. Yeah, I wish you could, but. No, you can't. So you got fired for telling him he's not a black guy. He's not. No, and he was saying I was racist or whatever. Where are you? You probably were a little more than you're willing to. No, I told him. I said, no. You watched Nick Quentas. He's funny. Sure, but I just saw a clip of him dropping the N word on Twitter and popped up like two days ago. Like, if that's the content you're continuing. It's just a word. It's just a word. There you go. So he probably thought you were racist when you dropped the R. Well, I told him. I said, no, like, I've been with black girls. Like, black girls before, like, like, why would I do nothing? Why would I do something like, I don't like. Pussy. But if I hate them, wouldn't I just not do that? You don't kiss a girlfriend when you f***er. I don't think it's all about love for you. Well. When you're sticking it in. Yeah. But. I think you have to like them for you to come. You think guys have to like. You? Yes. Specifically. You think I have to like someone to f***. No, that's what I'm saying. So I don't think, even if you were racist, I think you'd still f*** the black person. Well, whatever. The argument is like. Did it be drop in R's? It's just a word to you. I mean, it is kind of. I mean, I don't personally say it, but. It's a bad word. Let's be honest. I'm not someone that's sensitive about pretty much anything, and I'll drop almost any word on the show, but. I mean, it is. And then come on. That is a bad word. It's just a word. Okay, but it holds a bit more weight than some other words. Does it? Yes. To them. To them, but we're not them. You get over it. Like it's. Again, I'm not someone who gets offended. I'm. I'm relatively. I don't want to say I'm with you 100% because I think you're going a little too far. But. It's just like I don't care about words either, but also I'm not the person to get offended. I also can't tell someone they shouldn't get offended. I can tell people they shouldn't be offended on other people's behalf, because those are weirdos. But I can't call Tyler in here, call him the unword and say you can't be offended. He's the black guy that works in the content side, by the way. Okay. Yeah. But anyways, that's how that went. And then. Oh, okay. I got my emergency HR. Yeah, so they let me go for that. And then the third job. Pretty good. Like you were just venting the Colton that you have black fatigue. I don't think that if you're just going around workplaces, talking about your black fatigue. Oh, that. I don't go around talking. We were having a private conversation. Sure. But with a coworker, I can see how he might be offended. Listen, I get hit. But he brings it up. Black fatigue? No. The racism thing. He brought it up. Yes. But if you're something that goes around talking about a black fatigue with people and you think it's just a trustworthy. No, I didn't. I didn't. Dude, you don't even know Colton. You're talking to him about black fatigue. So it's like. We mentioned black fatigue, but I wasn't talking about it. He did it. I was not talking to this guy about black fatigue. No, I'm giving it as an example where it's like, if you're willing to just go to Colton who you talk to for approximately five minutes before he started talking about black fatigue. If you're that kind of person. He knew what it was. Of course, everyone knows what words are. Right. So we're not wrong with it. >> That's not what I'm saying. I am saying, since you are someone who is so casually able to drop that into a conversation to someone you don't know, I'm not surprised that you were likely dropping other things in a co-working space that offended someone and that person reported it to your manager. People get offended easily. I agree. People shouldn't get so offended easily, but I am not. I can't also tell, just like I can't tell people they should be offended. I, at the same time, can't tell people they shouldn't be offended. >> That's fair, but he can't say, "Hey, I think you're racist," and then I say, "I'm not," and then. >> How many minutes into the conversation until Black Fatigue was dropped? Colton? >> Oh, but we were talking about jobs, so it's like 20 minutes into the conversation where talking about jobs and Black Fatigue came out. How did Black Fatigue come up in jobs? >> How did it come up? >> Serving Black people? >> I figured how it came up, but. >> I don't know. You're the one that dropped it. >> I don't remember the conversation. >> I mean, trust me. You're not seeing me going on Carnival Cruise, okay? You're not seeing me going on Spirit Airlines. >> Rest now, brother. We have the watch, and I'll see you in Valhalla. >> Like, I, it's just like. >> What? >> So you agree with Nick Fuentes? >> Well, I don't watch it. What did he say? >> Well, like, he wouldn't go on those either because of the people on there. >> It's not even necessarily because of the people. It's because of the culture on there, though. >> Right, but that's what Nick says, and it's like, "Okay." >> He says it like that. I don't think so. He just said the hard-to-art. >> Yeah, but that's what he's talking about, is like, that's why he wasn't. He won't live in those areas. That's why he won't go on those. >> Live in those areas. >> Yeah. >> What do you mean? I mean, I have black co-workers. I. Wait. No, I have like a black. I have a black neighbor, a couple houses down. Like, what do you mean? >> No, you said you won't go on Spirit Airlines. >> Specifically, because of all the rowdy videos, and the Carnival Cruise is all the rowdy videos, like if people want to go there and party, like the people on Carnival or party and do that, that's not me, so I'm not. >> Yeah, but that doesn't mean I hate all black people. >> Well, yeah, but just because Nick says I'm. I don't want to go on Spirit Airlines. >> Nick, I'm not defending Nick. What the fuck? I don't know what he ever said. Either. >> I'm talking to you. I'm talking to you. I'm not talking to Nick. I don't give a. Nick, I don't know what he said. I don't watch his shit. >> Okay, fair. >> So, I don't know what you're defending this Nick thing for, but even still. But I don't go around talking about black fatigue. >> I don't go around talking about. >> You did 20 minutes into a conversation with someone you don't know. >> You were talking about the subject. >> The subject of what? >> I don't remember. >> Black people? >> If you could recall it, then. >> Can you recall it? >> We were talking about his job and why he lost his job. >> Your job losing the job for you being racist. >> Oh, okay, so I think we were talking about like he was accusing me of being racist, and I said, yeah, like we're tired of people, like if you disagree with somebody, you're just racist, so that's how that got brought up. >> I have a fatigue of people that get offended by everything, I'll say that, but you said black fatigue. That you have black fatigue. That's different. >> No, I said that he brought up the racism, and Colson and I were saying that, yes, everybody nowadays will accuse people of just being racist, and then he's like, oh, yeah, we have some. >> Yeah, they've called me racist for jokes. I agree with that to a certain point. >> I'm just saying. >> So people have developed black fatigue because they're tired of that shit. >> No, no, no, I'm tired of people that get offended by everything. I don't think that's black fatigue. I think black fatigue is a specific phrase in term, at least on the online that I've seen of anytime there's a video of a group of black people doing something rowdy, then they bring up black fatigue. Not when black people are offended. >> No, I take it as we get accused of things, and we're just tired of that behavior. We're tired of being accused of what we're tired of it. We're fatigued over it. >> Of people getting offended? That's not black fatigue, though. We're tired of being called racist, because we are who's we are. >> We. >> We? >> Yes. >> Like who's we? >> We'll mean you, me. >> Hold on. >> I don't think we're on the same level, buddy. >> So I know when and when not to have appropriate and inappropriate conversations. >> Yes, somebody calls me racist. >> Depending on the context, that guy was a coworker, not your friend, and you could be friends with your coworkers, but this guy was just a coworker, and you're like, you're not oppressed. >> Blacker. >> We worked together for almost a year. We've talked about a hundred different subjects. We've had deep conversations. >> But you still don't know him. You talk about things at work. I don't know. >> Well, yeah. >> Okay, let's go straight to the source, if we may. I think the source is probably what makes more sense. Oh, I thought that was the source. Can we bring in the source? Tyler. >> I'm with you on like the, the anti, everyone's offended, or the anti, you know, that woke shit. It was all annoying. The SJW, all that crap. That's like 2016. Woke was like 2020. >> Yeah, so we have fatigue of that. That's what it is. >> That's fatigue of people being offended by everything, not a fatigue of black people. >> It's not, we're not tired of black people, we're tired of being accused of those things. >> Tyler, please, this come over. This, this, this, this, Tyler, this man says he has black fatigue. >> That's not what I said. >> You guys can have a conversation about yet, what would he go through here? >> You, what you, you just, you did. >> You clolted. >> I did not say I have black fatigue. >> Okay, what did you say? >> What did you say? >> What did you say to your co-worker? >> Your co-worker said he felt oppressed because he was black. >> Okay. >> And you said. >> So he called me racist. >> Mm-hm. >> And I said, I'm not. >> No, why would he call you racist? What did he say? >> Well, he was saying that black people are oppressed. >> Mm-hm. >> And I said, well, how are you oppressed? You make twice as much money as I do. >> Mm-hm. >> And I was saying, our bosses are black. They make way more money than we do. So how are you guys oppressed? You guys are the living definition of not being oppressed. And so he's like, oh, you're, you're racist. >> Would you do to him? Did you do anything? >> Why did you say you're a pretty good relationship? Like we talked about a lot of things. >> Why do you say he was oppressed? Did you say something to him? Wait, what? >> You can get $200 in bonus cash right now. Listen up, if you want your savings to actually earn something, I got something for you. The average savings account right now are paying around 0.39% APY. So if you've got $5,000 saved, you're earning like 20 bucks a year. And it feels like an insult because that's about nine times lower than what you could be earning. 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Join the wait list by using the link in the description or pin comment down below. - No, we're just talking about just things in general. And he just says that black people are repressed. So I have it easy, blah, blah, blah. And I was like, well, no, you make more money than me. - Well, he says he's black girls, so he can't be racist. - Well, if I've dated black girls, and I've been with black girls, like. - You can still be racist if black girls, bro. Like, that's a possibility. - I guess. - Yeah, look at me. - Anybody can. - Sure. - Anybody can get any race, it's no be racist. - I'm gonna be like, yeah, look at this bitch. This black bitch. - Yeah. - You do that while you. - I don't know what you say. - No. - I don't know what you do. That's a possibility. And then he told Colton 20 minutes in that he had black fatigue. - That's not what I said. - Yes, you just did. - What a black fatigue. - We mentioned black fatigue. - No, no, no, no, I wanna know what he says. I wanna know what he says. - We mentioned black fatigue because he was telling me a story and, or I told him this story. And then he said, yeah, we had somebody else here, or then they said something about being racist. And I was like, yeah, like, we're tired of that. - So who's we? - We? - Colton's shaking his head now. - I never said I had it. - Who is we? So that means you and somebody else? Who's the who is the we? - Who is we? - Everybody. - I think we're lost right now. - Okay, thank you, Tyler. - You're welcome. - At, sorry. - I am Lindo. - On Twitch. Streaming every day. Central time. - Listen, I am with you. I am the, no, I'm not. Hold on. Oh, re-correct, re-correct. We rewind. I am very much of the, why is everyone offended by everything? These people are so f*cking annoying that are offended by everything. Where, where, S-G-W bullsh*t? I'm, I'm, they can't talk about bullsh*t, blah, blah, blah, blah. I am against all that dumbassery, but I feel like you go a step further, so all I'm saying. Well, we were having a private conversation and-- Yeah, but we're not, okay? We are not, because most of the people are watching. So just make your point clear and know. I don't know. Anyway, so that's why that happened. Okay, so you can't hold down jobs because you try to fear employees and-- So the third job I was making, yeah, so I got another job and I was making 47 years in a year, 47K, and all the other managers were making 65, okay. And so I was like, all right, well, let me prove myself after a while and then I'll ask for a raise. And I got let go two days before my 90 days. Why? They didn't give me a reason. Okay, well, obviously it should employ you or a loser. And from what I was saying, we're talking about the fatigue conversation. I do have a fatigue of ghetto people. I also have a fatigue of white trash people as well. I have a fatigue of all the-- if I drive in the Mexican community and they all have the spikes on their wheels and I can't go anywhere, I have a fatigue of trash people of all races. So let's just be honest there, you could put me on a type of carnival cruise with a bunch of trail of trash white people and I'd have a fatigue of all their mouth, okay. So that's what I have a fatigue of, trash people of which you will see black people and white and Mexican and yeah, yeah, yeah. So I think that's fair fatigue. Sure. You seem to have only signaled out black. What do you think your financial score is? Zero to 10. Zero being the worst 10 being the best. Well, one. Okay. If you want to figure out your financial score, go to kalepamber.com. See what it is. Take the assessment. Figure out where you send the world the money. Where you're doing poorly. Where you're doing very well and how to get better. And if you do not want to be like a guest who ends up on the show, make sure you download the Dollywise budgeting app. When you send it for the annual version, I will personally sign my 30-day detailed meal plan which comes with the digital version of the cookbook and I'll mail it directly to you. This is awesome. It's changed a lot of people's lives. Join the tens of thousands of people who have done it. Dollywise.com or just download it or click the link in the description below. There you go. Now you can meal plan. Thank you. Or, you know, whatever the fuck you do, do you cook? I don't know. Well, actually, I just recently started meal-propping. Also, you should probably like someone down because that hair is thinning. Mine? Yeah. It's going. I just think up and go. No, no, no. It's thinning. It doesn't matter if you walk up. What didn't do anything to it? It doesn't change if it's thinning or not. Where's it thinning out? The front. Oh, yes, specifically. I can see deeply in there. Yes. Specifically left, right? Nope. The middle. No, not the point. It's thinning, right? Yes, it is. I see your scalp in there. I had a hair transplant. Oh, so this is a thin transplant. So is this not thick? Well, generally, people that do that they go back for a second procedure, like a follow-up procedure. It's time. It's going to be there soon. So you might want to walk down someone's room. Probably. There's like three years. Go. Okay. Okay. It was a lot worse. Two. See, this is, I wanted to go in the money, but then I'm just fed another insane thing about you because you're a crazy lunatic. You're relying to a coworker about being in the military, bragging about being in the military to your coworker or trying to get your coworker to go in the list. Like, who am I dealing with here? You're for Rick. No, he said that he was thinking about going. I was like, yeah, you should go. He's like, oh, you did it. Yeah, yeah. Sure. Okay. Why are you lying to him about being in the military, though? Well, it's better than working at that job. What? No. Just what? Okay. Don't work at the job. Sure. But why about why about being in the military? Because now he's doing something with his life. So you're the hero by lying about being in the military because he enlisted? I'm not trying to be a hero. Stolen valor? Got someone to actually do real valor? Yeah. I like you're such a weirdo man. He did something. He's doing something with his life now. And I'm glad for him. I'm happy for him. Yeah, but what about you lying about being a service member? Who cares? Like, I don't mean no disrespect or anything like that. I wish I could serve, but I can't you. I think I'm too old now. Tool for the draft. Can you not just do random things, even still? I don't know. Can't even sign up for everything. For everything? I don't know. Maybe. Okay. I'm not sure. Okay. Oh collections. A lot. 40,000. How are you, you're a loser. I have loser fatigue too. Do you want me to find a new girlfriend? Yeah. Well, no. I didn't even say that. But you should leave someone. No, but you should leave someone. You're not interested in it. Instead of leading her along, I will say that. Maybe, no, I'm going to get any girl deserves you. I have loser fatigue. You're a loser. If I have 40,000 collections, then everything would be fine. You do have money. You've managed it incorrectly. 40,000 in collections is insane. Pathetic warm? Yeah. I need 40,000 in collections. I blame my girlfriend, but of course you do. Yeah. Spent a lot on her. And then when I lost my jobs, it just went downhill from there. Tell me. I need to know more. So how long were you in between jobs to rack up 40,000 and throw it into collections? So I want to say about four years ago, I got a credit card. And I was like, all right, I'm going to start building credit. I used it as a debit card. And every month, I would pay it off. I would pay it off every single month. And then I would get a credit limit increase, I would get a second card, I would get a third card. Now, this one's for Amazon. And what were you making during this time? Maybe like 1,500 a week. And you're racking up how much credit card debt? Well, I was paying it off every single week. Really? Okay. And then so the job was not really going anywhere. So I found a new job. It paid less, but there was more opportunity for growth. So I was like, okay, I will get less money now for an opportunity to grow and get more money later. And it didn't pan out. What is your career plan? Because you're nothing. You are nothing. A 37, you're nothing. I don't know. Is that a good thing? I've just made a bunch of mistakes. What do you want to do? I want to help people. No. Yeah. Help people in what way? I want to help people not have to grow up and live how I did. Okay. That's not a job. Define that job. What job is it? Job. What do you want to do if I live in a bed? If I could help somebody, like the guy that went into the military, like he was going to work at the same job. So your job is going to claim that you were in the military. No, you want a conversation. So what job can you define that you can make money on and that's helping people? I can think of many. I don't know if you'd qualify or I'd like you there, but I'd like to hear you think of some. So I used to do nursing. What? You were a nurse. Yeah. Kind of. Kind of a nurse. A nurse assistant. So I did medical assistant in the X-ray and then I went to school for RN and then I didn't finish up. There it is. You didn't finish it. Very good. I'd say you can make very good money being a nurse. Yeah. And you know, people would always say like, oh, what are you going to be a nurse? And I was like, well, obviously, the money, right? So. Yeah, I want to help people, but like I don't want to help people in the sense of take their medicine, help them and like bandage them up. Like I want to help people in a different way. Social work. Psychology. Social. Yeah. I mean, this doesn't really pay well. Therapy. No, but it pays better than you're making now. Yeah. So you have a lot of schooling. Can you complete school? I don't know. I don't think I can do schooling anymore. When I was in school, I got to work outside of when you're doing things. I mean, your girlfriend works at. Go work at a pet shelter. Volunteer. Money. If your passion is helping, but you don't, you can't complete any kind of school. Yeah. My passion is to do X Y, but I don't get paid for. I'm not going to. Do it. Okay. So, okay. So fair enough. So we're talking about only the career. So when I started for my passion, but what kind of helping then only mental, it seems that you're not willing to go through any schooling? Well, I mean, I can't, but I would. Like, if I can help somebody, you're clearly into the youth. Why don't you just become a youth pastor and touch some people. Touch their hearts. No, I don't do any of that stuff. That's gross. Uh-huh. Yeah. No, that's gross. Uh-huh. Uh-huh. Okay. Yeah, sure. Are you religious? I believe. I'm not a pro-actist, particularly. Okay. Pastor's not it. Um, I'll get you a course career certification. They don't really have a help someone certification. It's usually the trades and tech. A lot of people out there have converted them into six-figure-paying jobs, but I don't know what to do with you. Because this is 40,000 hours of collections. You lose your job every second because you try to. Well, and then you try those one person and then that's just one person because it's a job you have now. You also were someone. So you, this is a continuous thing. So we trained together. I know. But you're still co-worker. No, I trained at the store after I left the store. That's when I got her number and we started talking. But do you not work for the same place, different store, but the same corporate? Yeah. Different. So there you go. So again, you try to. People constantly. That's different. Which again, I don't really care. But you are facing consequences for. No. And then you're making people uncomfortable with your like racism stuff and uncomfortable. Like that's bullshit. Like, maybe I probably agree that people shouldn't be so vetted easily. But either way, you face the consequences if your actions agree with them or disagree. It still happened. And then you lose jobs constantly. I do not think you'd be in a position where you could be helping people. It's going to last very long because you always do things that people deem inappropriate. So I can stop up to here and then I help people not stop. That's what I want to do. But how to find what that job is? There is. What is that job? Besides I can cancel and stuff that would require some kind of degree. - Me, which you can't complete. What job can you do? Or else, you're literally just gonna be like a flying cook for the rest of your life. - Yeah, I don't know. I'm trying to figure it out. - No, you have nothing. You've never thought about this. - Well, like I said, I was doing the nursing thing, and then now I've moved here, and things just haven't been going so well. - Nursing, okay, but you don't even, like, believe in, like, medications, I mean, told. So I can even do nursing if you don't even believe in medicine. - I believe in medicine. I don't, I don't agree with that. - With anti-depressants. - At all? - I think in general, they pick one. They throw it up the wall and see if it sticks. - Isn't that what a lot of psychiatrists do? You do a medication, they check in, see if it works, see if they need to change the dosers, which do a different medication. Isn't that oftentimes what happens? - Yeah, well, they can't test to see. - Well, yeah, I just, sometimes it works, and sometimes it just doesn't work. I think most of the time it doesn't work. Like, me personally, I've been on three different ones. They didn't work. So my girlfriend, she's been on three different ones. It didn't work. - Okay. - But is it a person to person? Instead of just flat lining and saying no? - Sure, but. - 'Cause we over-prescribing this country objectively, but that doesn't mean flat, nothing works. - Right, I just think that it's not a net positive. Like, just to give people, all right. So if you were to give me a pill and say, "This is gonna fix your life." I don't think that would fix my life. I think that like, you have to do different things. You have to get therapy. You have to make better decisions. - Well, yeah. People feel for depression, for example. If someone's depressed. - But it does work for some. I agree with you. We over-prescribe and for everyone know. And honestly, a lot of the best things we found to get out of depression is obviously just working out and keeping busy. Like, we have learned that. - Well, not to avoid it. You don't want to avoid it. - Not for avoiding, but when you're busy, you also just. - You're running from it. - It's not necessarily just running, but when you're not just sitting there, when you're not just sitting there and you're not, like, stewing in it. Yes, that is a part of it. But also, I'm just working out and being healthy, usually lowers depression, anxiety, all that kind of stuff. But even still, some people, medication has helped. If you're gonna be in a position of power, where you're helping people, but you're like telling people that no medication will work for them? Like, you can't say that. - No, I just said no medication will work. We were, me and my girlfriend were having an argument about an age of presence. And that's generally how the arguments go. We'll be having a good time and then she'll bring up some video or meme and then. Why don't you not argue, you can not argue. I don't agree with my girlfriend and everything, which is, I know, I know to pick my battles. - Yeah, that's crazy. That like, my opinion would cause us to argue. - But you're also arguing, though. - No, I give my opinion. - And obviously, heats up to where you're both arguing, though. It's not, there's no such thing as a one-sided argument. - Well, it shouldn't. I should give you my opinion. You give me yours. - Why are you triggered enough to continue the argument? - She gets triggered. - Yes, but you're triggered enough to continue the argument. - No, I try to stop the argument. - Okay, yeah, sure. Okay, yep. Mm-hmm. Totally believe that. I'm definitely calling her in the bow show, 'cause I do not believe you the more she does. - I hope she does. - I hope she does too. Collections, again. So, let's see, these must be the individual ones. Capital one, you just did, 12,000, you racked it up in 12,000 with what? With what did you rack it up to 12,000? - So I was using them for everyday purchases, like my debit card, right? And then I would pay them off at the end of the month. - You were, yes. - Yeah, and then when I lost my job. - But it went up to 12,000 though. - Well, I think a lot of that's probably interest. Well, not a lot. Not most of it, but maybe like a quarter of it or-- - I'd say about 2,000 of it. 'Cause I kinda lived my life. - I think it was like nine or something. - I think you went up to 10, and then you didn't pay anything, then interest accrued and fees was up to 12. - Yeah, that's fair. So. - So what 10 did you put on it? - I understand, you lost your job. That's hard, you didn't have an emergency fund 'cause you're an irresponsible 40-year-old, pathetic, but either way, you lost your job. Why didn't you have an emergency fund? 'Cause you just thought your girlfriend would just save you forever? - To be honest, I didn't really look into finances. Like, yeah, like a lot of people don't know what 401Ks are. They don't know what they said. - Sure, but that's just like basic savings. - Rainy day fund, everyone knows Rainy day. - No. - Yes, everyone knows what a Rainy day fund. Now, do you know the new answer should have been? A high yield should have been. A treasury should have been. One month, two month, three month, highest deductible. Uninsurance, no. But Rainy day fund is a basic concept that most people at least know exists. - Yeah, I don't think that I've made enough money to. - That's not true. - Be able to. - You've told me what you've spent $1,000 like. - No, it's not a one-time thousand-hour thing though. It's just like, oh, I'm putting $50 aside for Rainy day. - $50 a month. - Here and there, yes, this tax up over, over your adult work in life of almost two decades, yes. - And I'm gonna have one Rainy day for six months. - Huh? - If I'm saving $50 a month for six months, and I'm gonna get a second. - It would have helped prevent you going to 10,000 hours of debt that you then never paid. - $50 a month, okay. - And then, yeah, a month for 20 years, yes. But even still, even still put that aside for a second. Once you got a job again, why the fuck did you just let it sit? You didn't do anything. You allowed it to go to collections. Now you have to get an apartment at some point that isn't by your friend, 'cause your friends raising rent and your girls aren't gonna be there, 'cause why would she? Or you don't wanna be with her? I don't know. You think she won't leave, we'll see. But even still, you'll have to get an apartment who's gonna approve you of $40,000 in collections? - Exactly. So you're, so what? Now you're set to stay with the place so that rent's gonna be raised. That's your only option? - Yeah, I'm hoping I get a promotion. I'm hoping I make more money. - Also, who's gonna promote you? - Monotone weirdo? - I do. - It's possible to be around. - I disagree. - Okay, well, you haven't made it very far by 37. So why are you, your boss is 19. Why are you getting the promotion? - Well, yeah, 'cause people get promoted. - Not you. - Yeah, I do my job. - So why do you think you're gonna get promoted? That you've clearly been overlooked for a long time? - No, well, I've only been at this job for. In every job you've been overlooked, you're not very good at working. - No, I've been promoted in other jobs. I've been doing good in other jobs. - To what? You've been fired three times. - Yeah, over bullshit. - Okay, yeah, I tried to, I don't know, yeah, okay. You, okay. So you got the job. Why aren't you putting anything towards this though? It's still the question. 'Cause that'll repeat again in the future. - All right, so when I lost the job, obviously I'm spending more money on it and I'm not paying it off at the end of the month. So if I spend three K a month on everything, and then I don't have a job, that three K is going on there and it doesn't get paid off. And then, so two months, three months, I'm not sure exactly how long I lived off of it, but then the next job I get didn't make as much as I was making. - Even so, why not try to just get to the minimums? 'Cause minimums, you can call them be like hardship, they'll put it at like one percentage of the minimums. - All right, so I was making minimums on all of them, and then the final nail in the coffin was when she moved out. After I lost my job the third time, she says it wasn't 'cause I lost my job, but. - She finally realized how pathetic you were. Why'd she come back? - I don't know. - Oh, she should have, she needs to run to the dentist and then run away from you. This is crazy. - I don't know, but she did. So, but she left, and that's when I was like, well, now I don't have her income, now I don't make my minimums. It's insane, you consider her income yours is crazy. Okay, well JP Morgan, now that's $8,345. Well, was this also just living? I mean, I'm being told things like Nintendo and bullshit as well. I mean, you were still getting bullshit, you didn't cut down to at least cut your lifestyle lower while you're unemployed. - I don't really have much of a lifestyle. - Is your Amazon card? This was just Amazon. - Yeah, so when I was doing good, I was paying off my cards every month. I had one card that I would use as my debit card. - And then you were unemployed. Yeah, we've had to start over a month. - Okay, wait a minute. Why didn't you cut back when you lost your fucking job? Did you just bare-bone necessities? - Yeah, I should have. - Oh, wow, okay. Yeah, see what's concerning is without any kind of acknowledgment of that, without me bringing it up, how's that preventing you from doing that again in your future when you inevitably get fired? Which by the way, when you're unemployed, TV for game rooms, TV for bedroom, futon for your dogs. - 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 a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. - The number one ranked energy drink is Game Of Us. 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. 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You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of that faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to calipamer.com and remember, you still got to do the work. Those were when I had a job. Okay, well you didn't pay those off and it just allowed to crew. I was making decent money when I bought those things and then it just started to go down the snowball and then I would stop buying things. So if you lose this job, the same exact thing's going to happen because you're just continuing that pattern. Discover cards 7138, what was this? That was my second card. It was just the same thing as the capital one card. Okay. So everything, you just allowed everything to go to collections at the same time. You didn't go back once to try to make minimum payments. You didn't call and like, hey, hardship, 1%. Lower minimum payment. Yeah, I talked to them one time and they said, yeah, you can make a minimum payment of $600 and I was like, that's f***ing insane, sorry. With this one specifically, I don't know. But you are also being insane with this. You bought three different set of AirPods on this card. That was f***ing wrong with you. That was when I was making good money. Okay. So it's the same thing every single time. You're a f***ing, when you make good money and then you're not coming back when you made no money and then when you started making more money again, you're in didn't put anything towards it. When I was making good money, I had money to spend when you were making good money. You spent a thousand on a PS5 like just because you were making good money, doesn't mean you're making good choices, you were a f***ing part of this for $1,000. That's what everybody was paying for back in 2022. You did that? Oh, you went to the resale PS5? Everybody was doing that. Yes, everyone was more on. You couldn't get one. You didn't need one. Well, yeah, I don't need shoes either, but like. Well, yes, you do. I mean, I couldn't get one. What? No shoes. No, I don't think you'd be glad in. No shoes, no service for a lot of places. My point is that you don't need a lot of things, but it's entertainment, and I bought it. That's insane. So, again. So, should I just never play a game? Yes. Because the mindset is the concerning part, because you're going to make decent money again, like you make okay money now for the area. Okay? So with that, you use that logic and say next time something pops up and you want it like that $1,000 PlayStation 5, you'll just get it. It's the mindset that's deeply concerning. Okay, so take the next-gen PlayStation that comes out, or the Steam Box is coming out. Sure. So, like, I'm not going to buy that shit. The Nintendo Switch. The Intel is there, and it's exciting, and it's like. The Nintendo Switch, too, has been out, right? But you didn't buy it. And I didn't buy it. You didn't buy it, though. Did you need that? How did it even sell? How well did it do? I don't even know. Thought it broke records, but. I probably did, because it's good for kids and shit. I don't know. Yeah. And it is fun. But the next-gen gaming councils will probably be a bigger and more exciting up to him. Now, if I had expendable money, yeah, maybe I would buy it, but. You didn't dare, though. You're pretty darn credit cards, and you didn't pay him off. Not every single time, though. You didn't only stop. I can see you didn't only stop once you got unemployed. The first time I missed a payment was when she left. I need to talk to her. I don't have her half of the income. I can either pay rent or I could pay minimum payment. So, why is she trying to get now in these collections? Because I don't have the money to give them. That's true. Again, when we get to your spending account, you do spend money, but even still. Like, would they send us $500? Yeah. Maybe. But you can save up over a course of a couple of months with the bullshit spending you do absolutely. Why don't you try anything now? How long would it take off to pay $40,000 with, I mean, $5,000? I don't know. I don't know. We'll do $5,000 is generous, but. $500, maybe. But even still, $300 monthly, you can save up and negotiate the smallest to largest. Or even still, not even that, you could get into like a program. One of those programs that now will start negotiating on your behalf, like the national debt relief stuff. Yeah. I've called them before. And? Basically, you put money into a pot and then they have a big pot and they say, well, negotiate this price. And yeah. Okay. But again, the more concern to me is the behavior. This isn't the first thing, this is the first time that things have gone to collections. Things have gone to collections previously and then you had cards go to collections in the past. You just had to let them roll off and now these have gone to collections. You're going to wait till they roll off. I don't know how you are going to be able to get an apartment on your own, be able to do anything. That's why your card debt must be insane. We'll see. But it has to be why. Because your card is fine. Well, my card, I got a good deal on it. I got 3% on my card. Okay. Well, lending club $5,185. What was this? That was the hair transplant. So when I was making good money, how ugly were you? Yeah. I was balding. Yeah. You asked hair transplant? Yeah. Why did you do turkey or something and even Canada? I thought about it. But you couldn't afford this to save your life. Sure. Maybe you're paying off your other cards before that we talked about the three. So I looked out. This was insane. So when I got the hair transplant, I talked to them and the lending club, they give you, they said I was approved for like $50,000 or something like that. Yeah. They'll approve people for debt. That's how they make money. That's a lot. You just give somebody. It is. So I did the hair transplant and I was like, okay, I'm going to pay it off. And then when I pay it off, I'm going to get my girlfriend's teeth fixed. Did she even want that? Well, yeah, of course she wants her teeth fixed. Okay. But she just want to do removals and then get implants later. I think so. I mean, she doesn't want to go like around without any teeth. It's not every tooth, is it? Yeah. It's a different tooth. That's great. What drugs did she do? That's crazy. Well, normally you would see somebody with like meth teeth, meth mouth, and that's, no, she doesn't do that. How does she have every tooth rot at 27? Okay. So you were going to pay this off or you were going to get her teeth done. So I was like, so I'm using my credit card as a debit card. I'm paying it off every month. And then now I got this card for Amazon. I got a Best Buy card because I bought a washing machine so I was like, well, if I ever need like a appliance, like a refrigerator, I can just go and get it and then make payments on it in case of emergency. So that was kind of like my emergency fund, like I had my card. So it's the porous mindset you can have having a credit card for an emergency fund. So I started out with a, I think it was like $1,000 credit limit with one card and then I ended up with like three cards, close like to 10K each. So yeah, like I had an emergency fund if I needed to buy something and then I can make payments on it, such as like the washing machine. Emergency fund. It's other people's money. Now it's in collection. Oh yeah. Yeah, I get that now, but yeah, I got the washing machine with that, but what the, how much was the hair transplant? Like 10? Good. Death, man. So you were paying on it for a bit? Yeah. Every, I had never missed payment until she left. Well, you've had this job for a year. You couldn't figure out how to make any payments for a year. That's not looking good for the futures. What's concerning? I understand maybe the first few months you played catch up, but having this job for almost two years now or a year, whatever it is. Yeah. So now I'm making enough to where I'm just like covers all my bases. I don't think so. You're spending more than you made it. It doesn't really make any sense, but yeah, I just, I don't, I'm not able to save money. And then when I do save money, like I told my best friend, I was like, I have $1,600 saved up. He's like, okay, good. And I was like, well, next month on my throughmate moves out, I'm going to have to spend that on rent. So that constantly. And then when your girlfriend leaves, I don't know, you're blaming them for not paying their bills and kind of jaded by the women in your roommates and everything, right? Am I jaded by them? Mm-hmm. No, he's a nice guy. My roommate. Oh, girlfriend. She moved out. She left. All of a sudden you're in debt. Yeah. She's going to do it again because you're pathetic. Well. And she probably should. Care credit? Yeah. We have a dog. We have four dogs. And I see me did not have pet insurance. No. Would pet insurance cover a surgery? Yeah. Okay. Oh, what surgery? So he had a tumor growing in his throat? Yeah, probably. They don't cover, like, good pet insurance will cover what, 20 to 50,000 hours a year depending but it's like 50 bucks a month. So. Well, yeah, we have four pets. So I mean, that would be. It's stacking. But then you don't have a 8,000 hour card or whatever that was. LVNV funding always pops up. There it is. Thousand hours. What happened there? Which ones are? Oh, well, that's what it's been sold to. I don't know what it was. Oh, that was like a credit one card. Okay. Here's your car. Okay. So the good deal you got on it, it's the interest rate of three percent, you're right. Three percent. Not crazy. I had good credit. I was making good money. You. It was doing good until I lost my job. Remind me what your good money was one more time. 15 hundred a week. Okay. Sorry. You do not get. Right now you owe 34,120 dollars and 84 cents on it. No. Right now I don't owe that. No. Well, what is it? I think that was the total. Okay. So it's 13,000 left. So 34,000 is what you borrowed me and came 15 hundred dollars a week. No, you were not making good money. Also, you're making the same amount of money now anyway. 15 hundred a week. Oh, a week. Okay. So you're making $10,000 me in that instance. You're making $6,000 a month, okay? Even still a 40, almost 40,000-hour car in that situation is insane. It was a civic and it was like, okay, it's not like it's in a cord. It's not like the turbocharged Civic. It was literally the base car. It's a car. the price of a car that you cannot afford. And now you certainly can't afford it. - I needed that car. - Yeah, that's why you stretched it out to a 75 month term. - Oh yeah, how? - You didn't need this car, you needed a car. - How could I get a car? - A car? - Yeah. - You go and find it, what are you talking about? - Like, that was the only car that I could get. - No. - That was the cheapest car there. - And Dallas Fort Worth. - Yes. - I went to-- - About to be the third largest metro in the entire country. And this is the cheapest car in the metro. - I didn't have cash to pay for a car. - It doesn't matter, I didn't ask you to. - Okay, so I went there, no money down. - It doesn't matter. - Got three percent. - You went there, there's a shit ton of dealerships there. - I went to Honda, that was the base model. - Okay, but you didn't need to get this. You could have got a 10,000 hour car, 10,000 hour loan with the worst interest rate and still paid a lot less over time. - Where do you-- - I didn't have 10,000 hour car. - Yes, they absolutely do. - They don't have Dave Ramsey, 2000 hour cars. But they do have 10,000-- What are you talking about? I'm helping my brother get one right now. Yes, they literally do. - The 10,000 hour car at the Honda station. There's no way. - Honda, I don't-- - No, but they do have to go to Honda. - If you go to a buy here, pay here, dealership. - You don't have to go to Honda. - You would still have to put money down. - I wouldn't even advocate for this, but you could have bought, first of all, when you're making good money, you could have put 500 hours down on 10,000 hour car. But even so, put that aside, 'cause you make every excuse in the world. - Okay, so-- - You're making so much good money. - If I were in 10,000 hour car-- - You can put that on a credit card. - It's not reliable. - It's a 10,000 dollar car. - Yeah, reliable. - Yes, yes, how would you mean how? - You're driving like 30 miles a day to work one way. - Okay, you're reliable. - You chose where you lived, by the way, but even still-- - Not really. - Yes, absolutely. Dallas-Four Worth, there's a lot of places to live, 1,000 hours, shut the fuck up. - No, I ended up here, 'cause it was the only place to stay, so I moved here. - Yes, Dallas-Four Worth has no places to live. See, everything is, you can't do anything in your life if you're pregnant. - No, I moved here. - How is the 10,000 dollar car affordable? You take it to two mechanics before you purchase it to get a certified that it will not break on you. - Is it what people do? Is what I'm doing in my brother right now? - But things happen. - Things happen to car. - To car. - So what happens when I'm driving to work, and it breaks? - Yes, like going to a mechanic first. Again, you're incapable of anything. - So they didn't guarantee that it's not gonna break down. - There's no guarantee that a 34,000 won't either. - Well, when it does, I get a rental car and my car gets fixed. - You will get that, but with a 10,000 hour one, that leaves you in a debt-free position much quicker with a lower-minimum to payment that allows you to save up an emergency fund quicker, which also replicates being able to get a 10,000 hour car if you need to. You're incapable of anything. - So a 10,000-dollar car would not have been a good idea because I- - No, you can't save that. You do not know. - Yes, anything could have happened, but the car that I have now, it's not gonna break, okay, if it does break down, I'm gonna get, I'm still gonna get a loaner car. - You are leading to, it was a conclusion that 100% of the time your 10,000-hour car would have broken down. That's where your mindset is. - Yes, I was prepared for that and I wanted to prevent that so I could get to work because I don't get to work. - But it's not a 100% chance that would have happened. - No, but it's still a big chance. - No, not a big chance. If you do proper maintenance and everything, absolutely not. We have people on the show that do that. Again, my brother, family members, absolutely, this happens all the time. That's what I did, and it wasn't a 10,000-hour car. It was a 3,000-hour car, but it's a different era. - We're assuming that there are 10,000-hour cars at it. - Yes, because I'm literally having my brother get one now in an area much smaller than DFB. - Who's he buying it from? A dealership. - Okay, dealership's selling a 10,000-hour. So, first of all-- - A used-car dealership? - Cars. - Dude, what are you talking about? - Like Honda, for example. If I go to Honda, they don't-- - It's not only Honda, it's not only Honda. It's not the only brand new-- - Okay, if I go to any dealership, they don't finance you cars that are older than seven years. - Okay, let's find some options right now. Which by the way, you're like, how can I find 10,000-hour cars? Well, your cars only were a 15,890. So, by the way, that's closer to where you can find some 10,000-hour cars. You're getting pretty close to it, but you owe, what was that, 17, 18, 13? - 17, right? Didn't you say that? - Okay, 13. So, your car, right now, the one you have is getting close to that $10,000. So, let's say you got a 13,000-hour car. There you go. You've got the car you have now. - Okay, well, they don't have those cars at that dealership. - At that dealership, you're obsessed with it. It has to be at that dealership. Your logic is broken. You're incapable of going to another dealership. - No, I went to a couple. But the car that I had, I had a Honda already. It was leased. - I don't care about that. - And the lease ran out. So, I brought it back and they gave me-- - You pretend like I gave a shit. - They gave me the most money towards it. - How much do they give towards it? - Not much, 'cause you still owed 34 when you bought it. - Yeah, you know, there's a car fee nowadays. It's basically like a, we have three Honda's on the lot. So, you have to pay more for this car now. You know what I mean? Well, it's some kind of fee that they charge now, where it's like this car is quote-unquote in demand. So, we're gonna add a 5K tag on top of it. - Okay, yeah, I mean, maybe a little inventory fee, sure, just pricing it up 'cause it demand. - Yeah, so. - Actually, maybe I could see that making sense. - Yeah, so that was on there too, which-- - Great, you chose to be at that lot at that dealership. I don't care. You really make-- - I just don't see where I would have got a $10,000 car at-- - Of course not, 'cause you don't have $10,000. - I ain't saying no money down, but $500,000-- - And not paying like 20% a month. - Wouldn't have been 20%. It would have been closer to like 10%. It's not great, but you would have paid it off a lot quicker and saved a lot more money anyway. - I would have saved more money on 10% than 3%. - Yes, it's a $10,000 car. Over the 75 months that you borrowed this, 75 I would have got you at a three-year loan, absolutely. 75 months is insane. - Yeah. - Okay, great, a wonderful rebuttal. But regardless, if you don't look, you're right, you'll never find it. And if you don't take a mechanic, you're right, it'll break. If you don't do all this shit, you have to do, when you're living a lower-income life than yes, you will always be-- - I needed that car. - Did you just-- - I knew you did, you had to go to 100 lot. Shut up, I'm done. - I needed a car. - Shut the fuck up, shut the fuck up. - What's your minimum-- - Car, those were long. - Yeah, you know where the cars are reliable, then a brand-news car, shut the fuck up. - I could have went to Dodge. - I could have went to Chevy, I could only-- - Hey, shut the fuck up. What's the minimum of your payment? The argument's done. - 520. - Shut the dude, you're just pathetic. You can't do anything. You're incapable of doing anything. - Case. - Sure. - Yeah, why not? Let's have 46,7464 houses stood in loans, too. - For the nursing shit that you didn't even finish, how long were you in school? - I was in school two different times. I went to school for two years. The first time was 25K. - For what? - Medical assisting in X-ray. - On my fucking second time. - Second time, what's for registered nursing? - Dude, you can't complete shit. Okay, so these are your federal? - Oh yeah, Department of, they're in good stance, so that means you're making minimums. That's good. How much are you paying? - Zero. - What? - They don't ask for money at all. - They probably will soon. What's the last time you've logged in? 'Cause even under the repayment assistance program, it's as low as 1%. - Like after COVID, they would extend it. - No, you know why, you're deferred. You need to see when your deferral ends, you're under deferral right now. Once your deferment ends, you are going to owe, and that could be in a matter of weeks, if not months. Deferments are coming to an end immediately. I'm surprised you're even on it. You must have specifically requested it. Maybe you didn't even know. - I mean, I know they asked for money one time, and I said, "Well, I'm not making money to pay." - There it is. - Maybe it happened when you're unemployed, but they'll see with your taxes. They'll see when you file, did you file last year's taxes yet? - Mm-hmm. - And? - Yeah, file every single year. - How much did you make last year? - Oh, 34. - Okay, they'll see you making money. I mean, it's not great. I mean, you can get in the repayment of this program. They'll see this soon, and you're gonna owe and you're still in the loans, man. - Yeah, I'm worried about that, but. - Well, not really. It'll be as low as 1% of your income dependant. - I don't know how the repayment goes. - Okay, so you wanted this nursing program. Well, you're dating a Florida girl, so you moved to Florida to do this. - No, I lived there, that's where I was born. - Oh, that's why you didn't complete your degree. You're arrested right before the final exam. - I didn't do anything. - You were such a creature. Of course you'd done it, you never do. - I had no record. - What were you arrested for? - Allegedly? - Allegedly, yes, allegedly. What were you allegedly arrested for? - She would just call the cops on me, and. - Yeah? - Yeah. - She was abusive. She would call the cops on me. - What did she say you did? - Well, she said that I hit her. - Kim. - But she would hit me. - You said she tried to kill you with a knife. So you smacked her with a chair, gave her a black eye, and you fled the cops. - No. - You fled before the cops came. - They were trying to ask me a question, and I just didn't respond to them. - You fled to Texas. When Colton asked you if you had a warrant out for your arrest in Florida, you said, I don't know, maybe. - I don't think so. - I don't think so. - I don't think so, but. - Well, you said probably to Colton. - Maybe I did. - You hit a woman with a chair? - No, self-defense. - Well, yes, but you still hit her with a chair. - Yes, she was coming at me with a knife. - A chair is such an interesting weapon. - What would you defend yourself with? - I'm not 100% sure. - In the moment of a chair. - But I guess there's a chair that doesn't even have to throw it. - So you're a black guy. It doesn't really look good when the cops show up. I get it. - Well, that's why I didn't talk to them when they answered the door. - Was this self-defense? Well, never know. I know you'll say it is. - I'll talk to her, and she's admitted to-- - I'm recording? - No, but we've had conversations ever since then. So if it was actually true, would she still be calling me? - Oh, I don't know. She sounds like a crazy obsessive bitch. - Yeah. - Okay. And hold her she. - My age. - Okay, check it out. I mean, you have 1,200 in here. So I don't understand, like, you can do things. - Well, okay. - Okay, you stop in and get some bullshit. What are you getting for, like, $5? - Which place? - Well, this is Kroger for $5. - Kroger is usually milk or something, like-- - Okay, just for $5, okay? You've got a one-time thing. Avable bill, you can't tell me you don't have money put towards things. So you went to McDonald's and he went to McDonald's. And then you went to McDonald's. No, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, except it's right there. So the McDonald's was for her and she paid me in cash. Okay, $75 steam game. Yeah, I did buy one. Oh, shut the fuck up. So my nose addict won't mind us supposed to play any game ever. Oh, play the games you already have. If you can't play your, pay your debt, you don't get to cry. So if you can't make up $50 payment to student loans, and I have to come bail your ass out, you don't get to get a $75 game. Go fuck yourself, you privileged creep. So I can never do anything fun again until my desk paid. Sure. That's ridiculous. No, obviously not, but you do not have to go purchase a brand new $75 steam game. Sure. I could play a game. You have go to a park, watch the kids, things you like to do. I don't watch kids. Of course not. There are a lot of things you can do for free. D and G plan. So that's a, I have washing machine insurance insurance. So my washing machine broke like twice during the warranty and they came out and fixed it. Okay, Twitch, you're paying for Twitch sub. That's her subscription and she gives me money for it. Why is she on your checking account? She doesn't have, oh, she doesn't have a car. Make up for your stuff. Powdered. Hulu plus donut palace. Yes, I do have Hulu. The donuts was for work. I brought donuts for you. If you can't afford to get back for it. Oh my gosh. Okay. Wash master. Don't need to wash your fine. I don't need to wash my car. Correct. It's $20. Exactly. And you can't afford to put 50 on a student loan. So I should not wash my car. Correct. Also bucket of water. You live in a house. You can wash your car. It's $20. Exactly. $20. Yes. And everything is stacking up. Are you not getting that? You put that piece of shit. $20 for $40. That was from her. Uh-huh. But everything is still stacking. Like your Twitch, like your, but she pays for the video. Like the Hulu, like car wash, like your steam purchase. It's stacking up. There's an Apple bill. There's the donut palace again. There's another Apple bill. We'll look through your subscriptions. Shut the cups up. Interrupt me. Go inside the gas station, getting something for $4.32. Yeah, everything is stacking up. Well, we're going to forgive you. You want to beg. I don't know what it was for us to do. Say you defer your student loans that you owe that we're bailing on. Shut the fuck up. I don't know what the four bars were. Warm Apple bill cash. That may have been right. I don't know McDonald's again. McDonald's again. Grand Prairie. Something is uplet. Donuts. Sublet. Donuts. Apple bill. Go ahead and get into bullshit. Amazon. Amazon Nintendo. That was her. It was also all of that was her. Every single purchase there was her not everything. Exactly. It's all stacking up. Amazon. Amazon. Cooper donuts. Apple bill. Bullshit. Bullshit. McDonald's. Cash app. Bullshit. Bullshit. Apple bill. Potential bullshit. Hard to tell. And selling our money. So it's bullshit. Well, $5 in your savings. It's pathetic. It's pathetic. Let me look at your phone. Pathetic. Do you want to see my actual phone? Are you asking about my phone bill? No, your actual phone. Yes. Okay. So weird, man. So you're spending a ton of money. Yes, that is all stacking up. Yes, even the $20 car wash. He spent hundreds on bullshit outside of her even still. Apple music. You can watch it and listen for free on YouTube with ads. I don't really give a fuck. I call plus. That's fine. What is this? Never wonder ways. Oh, ways can't plus. Yeah, I have cameras in my house. That's not the worst. The first thing I would stop. Apple music got canceled. Really? Yes, really. You don't have. Oh, yeah, you do have them in the payments. $520. What's your portion of rent consistently before it gets raised? It's total 1700. That's the run payment. Now if I were roommate, he pays $800. Yes. But that's rare. Yeah, a roommate. Well, for example, I've had my roommate for two months and two months before I didn't have a roommate. So I mean, it's just. So what do I have to put? Just $1,700? What about your girlfriend? Yes, she pays like $400 towards it. So what do I put in your budgets? Do 13. Oh, my this isn't going to go anywhere. Is that including utilities? No, utilities. The water is probably like 150-ish electric. Why don't you get $1,050? Because if I'm paying 400 a month when I have a roommate and she's paying her house, you never do. And she doesn't. Your rent and utilities right now when you don't have a roommate is already like $1750. Like, this is crazy. It is. Yeah, so get $1,000. I'm so close to just ending this. What's your phone, Bill? You're so stupid. It's like 90. Get helium 15 bucks a line. It's great in dials. Don't you need to own a phone to do that? You don't? They give you a phone? You don't on your phone? No. You have a payment plan? Once that's paid, then yeah, fix it. Okay. Well, once it's paid doesn't stop. it pretty much starts working. What? Yeah. Like they start giving you updates. Your phone starts working slow. Oh my god. Shut the fuck up. I hate you. Am I wrong? Yes, you're wrong. What's your room from gas? I don't know. 30 a week. Five to gas, 30 a week. Okay. 20? No. 60. Yeah, I'm sorry. Okay. What is your car insurance? 140. Okay. You contribute 300 groceries, 100 for TP fund. Anything else you need to survive? Totally people are all able to ship medical health care. Any complies? I do not have health to care. You don't have health insurance at all. Okay, let's get you on the minimum plan, like 250. So you don't go in an emergency. Maybe even 200. You probably like affordable care act stuff. How many pets you got? Four. Okay. Well, one hand surgery. That's better. Okay. So 150 pet insurance. How much for pet food? Come on. It's like 70 every two weeks. Anything else needs if you have a gym? I do. How much? It's 30 and then she has like the add-on membership, which is 10. Okay. Well, she can pay that. She doesn't. She doesn't. Well, then cancel it. Then she bishops. I don't give a shit. Then I don't get 800 a month. You need to move out. That's the option. That's just it. Like that's it, man. Because, and let me show you, he actually basically breaking even, but you can make actually a lot of progress if you just hand in a thousand hour place of like $200 utilities because it's smaller, but $3,020. So obviously, I mean, get a second job. Make an extra thousand bucks a month. Boom. We can actually start saving up and paying off. You can pay off your car quicker. So I like your job. I can get a second job. Why? Because I have to flexible hours. Okay. So like this week, I'm very good. Then you're moving out and you immediately save just about four, five hundred bucks. Five hundred bucks. You'll save. Go get your own place thousand bucks. You'll save 500 bucks. Don't need like three thousand, four thousand to move. He has an excuse for everything. He'll never set anything aside. He'll never do anything. So how do I get the $4,000 to move into the apartment? Okay. It's not going to be four thousand hours. First of all, security depends. It depends on the complex. Well, that's to say more likely, like two thousand. Okay. So two thousand. How do we do that? You put it on a credit card and you'll still save more money over time. Personal loan. Calebhammer.com. Get a personal loan. There you go. You figured it out. I don't want you to go further into debt. But if that saves you more money over the long term, yes, it's worth it. Again, you are incapable of doing anything. I could that took 30 seconds to figure out, but you're not able to look into solutions. You're only able to look at problems. No solutions and you won't do anything. So I'm done. You're pathetic. So how do I go from? I said, I'm done. I said, I'm done. How about you figure that the f*ck out? Well, that's why I'm here. What? What was your question? Because again, problems. I need for security to move into the apartment. I just said it. A personal loan. Well, yeah, I didn't know that before. Well, yeah. But I already answered it. Yeah, right. So, but that's why I had questions. Okay, shut up. I'm going to the post show. You're pathetic. I'm going to look through the f*ck drop. We're going to call the girlfriend. Let's get the hammer financial score. Go f*ck yourself as your score. You pathetic one piece of sh*t, deplorable. Nothing. It wakes the human existence, disgusting creature. Joined hammerly. Three shows a day. Incredible shows. Everyone loves it for a reason. 100,000 members for a reason. Join them. Click join. See in the post show. His girlfriend might not know this. Him and f*ck have texted April 15th. You're texting the ex. Girlfriend doesn't know this. You're talking about it. June 1st, I'm launching the hammerly app available on every major platform. To get a never before seen financial audit video and then an exclusive offer just for you. You'll get lifetime access to the entire Hammer Elite catalog and our Hammer for Lifebox packed with limited edition merch. June 1st, this is the best membership you'll ever join and that is a promise.