transcript

Speaker 1:
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Speaker 4:
[00:58] To watch episodes of Financial Audit a week earlier, check us out on YouTube. That doesn't matter. You're not budgeting from that. Your expenditure isn't changing.

Speaker 5:
[01:05] What is an expenditure? Like how much I spend them up?

Speaker 4:
[01:16] You want to get with this guy because the day after you left, he brought another girl into your guy's apartment.

Speaker 5:
[01:22] She was chopped.

Speaker 4:
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Speaker 6:
[02:12] Hi, I'm Delilah.

Speaker 5:
[02:13] I'm 22 years old and I'm from Dallas, Texas. And this is Financial Audit.

Speaker 4:
[02:19] Thanks for coming down, bubbly personality. I love that.

Speaker 5:
[02:22] Oh, wow.

Speaker 4:
[02:23] Yeah. Giggles and all.

Speaker 5:
[02:24] Yeah.

Speaker 4:
[02:25] Okay, good. Well, I hope there's some intelligence behind those giggles. Let's find out. What do you do in Dallas? 22.

Speaker 5:
[02:33] I'm a dog groomer. I groom dogs.

Speaker 4:
[02:36] Dog groomer. Okay.

Speaker 5:
[02:38] I get dog haircuts.

Speaker 4:
[02:39] Okay. Okay, very good.

Speaker 5:
[02:40] Dog groomer. Yeah. Cool.

Speaker 4:
[02:42] What do you make doing that?

Speaker 5:
[02:45] Well, I make 60% commission and then I make $19 an hour and then I get paid bi-weekly.

Speaker 4:
[02:50] Okay.

Speaker 5:
[02:51] But it like, it's different every week.

Speaker 4:
[02:55] Sure, but it likely averages out relatively monthly-ish.

Speaker 5:
[03:01] I don't really think so. I don't think there's a good average because like some paychecks are like 19, but then other paychecks are like 12, and then some are 15, 12,000?

Speaker 4:
[03:40] Which we might be doing in 22.

Speaker 5:
[03:41] Oh, no.

Speaker 4:
[03:42] Okay.

Speaker 5:
[03:43] No, I'm not doing a degree. But I have a license in animal grooming. I'm a licensed professional peccamer.

Speaker 4:
[03:50] So that's where my concern stems from, is like, for Dallas, I'm making a ton of money and this is kind of like where you're going to be.

Speaker 5:
[03:59] Forever. Yeah. I love Texas.

Speaker 4:
[04:00] Forever?

Speaker 3:
[04:01] Yeah.

Speaker 4:
[04:01] That's not what I meant. I meant income.

Speaker 3:
[04:03] Oh, no, no, no, no, no, no, no, no.

Speaker 5:
[04:05] This is temporary income.

Speaker 4:
[04:06] Why is this temporary?

Speaker 5:
[04:08] I had to build my own clientele when it came like when I got there. So like I started from zero. So my paychecks.

Speaker 4:
[04:13] You don't get assigned random people?

Speaker 5:
[04:15] What do you mean?

Speaker 4:
[04:15] Do you get assigned random people with this groomer?

Speaker 5:
[04:17] What does that mean? Like people call and book an appointment. I'm like a hairdresser, but for dogs.

Speaker 4:
[04:22] So they have to specifically pick you.

Speaker 5:
[04:24] Well, yeah.

Speaker 4:
[04:24] The people.

Speaker 5:
[04:25] Well, well, obviously.

Speaker 4:
[04:26] If they're like, I don't know who, I just want a grooming. You don't get like assigned?

Speaker 5:
[04:29] I'm the only groomer there. Oh, yeah, I'm the only groomer there. Not enough people have been calling. So right now I'm out like three dogs a day consistently.

Speaker 4:
[04:37] Why are you working there?

Speaker 5:
[04:39] Because it's a really good opportunity for me. Is it?

Speaker 4:
[04:43] People aren't calling.

Speaker 5:
[04:44] But people, no, people are calling.

Speaker 4:
[04:45] So you said people aren't calling.

Speaker 5:
[04:46] Well, let me get there. I was going to say it. So when I first started, I was bringing home like $500 a paycheck. Like the paychecks were really low because this place had just opened. They had a really terrible groomer. So they had like not that many grooming clients coming in. So when I came in...

Speaker 4:
[05:01] So you're turning around the business for $2,000 on the high end. Actually, you haven't hit that too.

Speaker 5:
[05:07] But think of the business part. You're a business runner, right? I am. So when you first open a business...

Speaker 4:
[05:13] You're 22 and not making much and also it's not your business.

Speaker 5:
[05:16] I know, but it's temporary because it's going to get me...

Speaker 4:
[05:19] What's it going to get you?

Speaker 5:
[05:21] It's just kind of holding me over until I'm making more money.

Speaker 4:
[05:27] So is this plan of making more money what you plan to do to apparently get your ex back? Because that's what I see you're trying to do, is you're literally just trying to get your shit together to win your ex back. I don't know if literally never making a two on your paycheck is going to do that.

Speaker 5:
[05:46] No, I'm telling you, it's getting bigger. The paychecks have like, some are lower and some are higher.

Speaker 4:
[05:50] If you can't average it out, you can't tell me it's getting bigger because you can't track a average.

Speaker 5:
[05:54] But I can because my first couple...

Speaker 4:
[05:56] Then tell me what the average is because that's what I asked.

Speaker 3:
[05:57] I feel like 15.

Speaker 4:
[05:58] Five minutes ago.

Speaker 3:
[05:59] Like 1,500.

Speaker 4:
[06:01] So that's an actual answer. That's what I asked.

Speaker 3:
[06:05] Well, yeah, but it's...

Speaker 4:
[06:06] Come on, that's what I asked. What was it? Three, four, five minutes ago?

Speaker 5:
[06:09] But it's just been changing constantly.

Speaker 1:
[06:12] So I feel like I can't really give an average.

Speaker 5:
[06:15] Okay. Right?

Speaker 4:
[06:16] Or is it not?

Speaker 5:
[06:17] Well, I don't know though.

Speaker 4:
[06:18] Girl, I literally need a real number for me to make the rest of this conversation in the math at the end of it when I make the budget.

Speaker 3:
[06:28] So let's go with 15.

Speaker 5:
[06:30] Let's go with 15. Cause that's 3000 a month, right? Yeah. But I think I need more than that for my month. Like for my-

Speaker 4:
[06:36] Yeah. Probably.

Speaker 5:
[06:38] I make more than 3000, obviously. But that's an average. That's why I'm saying like we can't really-

Speaker 4:
[06:43] Oh, she's-

Speaker 3:
[06:44] No, I'm not. It makes sense in my head.

Speaker 5:
[06:49] It makes sense.

Speaker 4:
[06:50] Oh, it makes sense in your head. That's good. Can you translate what the f*** is in your head to words so I can understand it in my head?

Speaker 5:
[06:58] Let's say if I'm only bringing 1200 on the first paycheck, then I just know that I need to post a video or something and get more people to call.

Speaker 4:
[07:05] Post a video?

Speaker 5:
[07:06] Well, yeah, because I do social media.

Speaker 4:
[07:08] How many people view these videos?

Speaker 3:
[07:11] Like 30, probably.

Speaker 4:
[07:12] So how are they getting more calls?

Speaker 5:
[07:13] Because when I post them, I post them obviously public, so people go out and I post them on Instagram, TikTok, and Facebook.

Speaker 4:
[07:21] I post them in private.

Speaker 5:
[07:24] Well, yeah, obviously. But I'll post them and then when I'm posting videos consistently, I get more calls because people are like, oh, I saw your cute little video on Instagram. Like, can you do that haircut to my dog? I'm like, absolutely. Come on in.

Speaker 4:
[07:36] You're not doing that only when you're...

Speaker 5:
[07:37] Well, no, I am doing that.

Speaker 4:
[07:38] Instead of only when you're like, I'll make a couple extra dollars.

Speaker 5:
[07:41] No, no, no, no. I am doing that.

Speaker 4:
[07:43] You just said if you make a $1,200 check and you're about to miss your...

Speaker 5:
[07:46] I was just saying that as an example.

Speaker 4:
[07:47] You're just saying it. Didn't you just tell me the reality instead of just saying it?

Speaker 5:
[07:50] But that is the reality. Like if my paycheck is smaller...

Speaker 4:
[07:52] So the reality is if your paycheck is low, then your paycheck is low because you're not posting enough, so post more.

Speaker 5:
[07:57] Well, yeah. I mean, I post almost every day, but I don't post...

Speaker 4:
[08:00] Then that logic doesn't make sense. You said if the paycheck is low, then you end up posting more.

Speaker 5:
[08:05] Yeah, more.

Speaker 4:
[08:05] So why not post more at all times so the paycheck is never low? If that is directly correlated, of which I am kind of convinced it is not...

Speaker 5:
[08:14] Sometimes I get busy.

Speaker 4:
[08:15] And again, this is supposed to apparently win your ex back.

Speaker 5:
[08:19] No, I was just kind of hoping you would be like, hey, you should totally take her back. She's a great person. My finances really aren't terrible. I think they're not.

Speaker 4:
[08:26] Girl, you're on Financial Audit. That's literally impossible. Just a fair warning that is literally impossible. You do not get to this table of the, however many apply a day, way too many...

Speaker 5:
[08:37] I know. And they called me the day after I applied. I was really shocked about that. I applied for shits and giggles. I really didn't think I was good.

Speaker 4:
[08:44] And we picked the ones that looked like shit. You are that. So in fact, if you had me call him right now, I would say one, she's... Two, her finances were bad enough to be on Financial Audit. Even still, if I'm calling him and being like, oh, her finances are good, take her back. Is that what is going to make him come back? Your finances being good?

Speaker 1:
[09:09] I don't know. I don't know. I don't really know.

Speaker 4:
[09:12] What are you trying to do?

Speaker 5:
[09:14] I'm trying to get him back.

Speaker 4:
[09:15] How am I helping with this?

Speaker 5:
[09:17] Look into the camera and be like, no, take her back.

Speaker 4:
[09:21] You have given me no reason to do so.

Speaker 5:
[09:24] I'm like, I'm like fun though.

Speaker 4:
[09:26] Like, I'm like, what about your finances?

Speaker 3:
[09:28] They're, they're pretty good.

Speaker 5:
[09:29] They're right.

Speaker 4:
[09:30] Objectively not, lady.

Speaker 5:
[09:32] But I'm young. Like, I'm young.

Speaker 4:
[09:34] So, doesn't mean they're good all of a sudden. Is it? All the time?

Speaker 5:
[09:37] I mean, you don't have a lot of paperwork.

Speaker 4:
[09:39] Because you defer the rest of the shit onto documents, onto credit cards, onto bullshit. I only have one, though.

Speaker 5:
[09:44] I only have one.

Speaker 4:
[09:45] Doesn't matter when it's going up and it's basically maxed out. It literally doesn't matter. At 22, you're just lucky enough to not have accumulated more openings of credit cards because given your behavior and where you're at financially right now, you would be in double or triple or quadruple the debt you're in. So, 22, no, you're not good for your age. People might have at your age or lots of student loans, maybe a car loan, doesn't mean max out credit card. Doesn't mean finances around the board and deferring extra things onto credit cards and other loans and other debts for the sake of us being able to pay rent. That doesn't mean you're able to pay rent when you brag and say you're able to pay rent. You're deferring other shit onto debts. You're still not able to afford life when debts are going up because you're deferring shit onto them in order to pay that rent.

Speaker 5:
[10:31] But I am, though.

Speaker 4:
[10:32] What do you mean you am, though?

Speaker 5:
[10:34] Like my bills are paid.

Speaker 4:
[10:35] What do you am, though?

Speaker 5:
[10:36] Like I have food on the table.

Speaker 4:
[10:37] My bills are paid. You're putting more in your credit card than you're putting towards it. You're, this is so stupid. You don't know what you're talking about. You cannot sit here and actually say that. And in no way would I ever advocate for him to get back to you if this is the kind of shit he was dealing with to have left you in the first place.

Speaker 3:
[10:50] No, I left him in the first place.

Speaker 4:
[10:52] Then why would he not get back with you?

Speaker 5:
[10:54] Well, he did get back with me and we gave it a try like a couple weeks ago.

Speaker 3:
[10:59] A couple weeks ago?

Speaker 4:
[11:01] They're high schoolers.

Speaker 5:
[11:03] But then we went no contact again like a week or so ago.

Speaker 4:
[11:06] Okay, so one week of contact, one week of none.

Speaker 5:
[11:08] Well, like two weeks of contact and one week of none.

Speaker 4:
[11:14] What?

Speaker 5:
[11:14] Why are you looking at me like that?

Speaker 4:
[11:16] Because you're...

Speaker 5:
[11:18] Am I delusional?

Speaker 4:
[11:19] You're not smart. You're not very bright.

Speaker 5:
[11:25] I'm smart about some things.

Speaker 7:
[11:27] I don't...

Speaker 4:
[11:27] I haven't seen that yet. You're bubbly.

Speaker 7:
[11:30] You're...

Speaker 4:
[11:31] That's it. You're bubbly, which is fun. Okay. What are we trying to do here? I'll... At the end, I'll give him a call and I'll let him know what I think if that's a part. But what are we doing here?

Speaker 5:
[11:48] Okay, maybe I don't want to call him anymore.

Speaker 4:
[11:49] I don't care. What are we doing?

Speaker 5:
[11:53] Honestly, I don't know. I wasn't really kind of expecting to do anything about my finances and well, because I'm not really that bad. Like I was just kind of thinking like...

Speaker 4:
[12:02] Girl, you're on Financial Audit. You didn't expect to do anything regarding finance. No, that's not the point. Oh, you... What do you want to do financially? What do you want things to look like? What am I here to work on with you and your finances, moron?

Speaker 5:
[12:23] I don't know. I guess to pay everything off and make my finances better. I mean, right?

Speaker 4:
[12:31] Why aren't you doing that yourself in the first place?

Speaker 5:
[12:34] Oh, well, because like I said, my bills are getting paid and even with all my spending...

Speaker 4:
[12:38] Dude, you're just a repeat, copy and paste. Of what?

Speaker 5:
[12:41] Of myself? Of yourself.

Speaker 4:
[12:43] Yes.

Speaker 5:
[12:44] No, I'm not.

Speaker 4:
[12:45] No.

Speaker 5:
[12:45] Well, because you're not getting it, though, is the thing. The numbers always number. Even when I do the budget...

Speaker 6:
[12:50] The numbers always number?

Speaker 5:
[12:51] Yeah, because my... My rent's always paid.

Speaker 4:
[12:54] I think I would... I'd love her to draw this out for me.

Speaker 5:
[12:57] Yeah. Please. I got this. My rent's always paid. My electric is always paid.

Speaker 4:
[13:00] Okay, pause. You're going to do it like... In a drawing, okay?

Speaker 3:
[13:03] And then I like...

Speaker 5:
[13:04] Go!

Speaker 3:
[13:05] In a drawing!

Speaker 4:
[13:06] You want! Oh my gosh.

Speaker 3:
[13:07] Okay, okay.

Speaker 5:
[13:08] What do you want me to draw?

Speaker 4:
[13:09] What you've been trying to apparently say for the last few minutes.

Speaker 3:
[13:13] Okay.

Speaker 4:
[13:14] Help me visualize that I'm a visual learner.

Speaker 5:
[13:16] Okay. I don't know how you want me to do this.

Speaker 4:
[13:21] Oh my f**k. You were excited about it because I thought you were going to be able to do it because I thought maybe...

Speaker 5:
[13:26] No, I was not excited about this.

Speaker 4:
[13:28] What? Did you not see your reaction? You beast of a woman.

Speaker 5:
[13:32] I was like... No.

Speaker 4:
[13:33] Explain to me what the f**k you're saying.

Speaker 5:
[13:36] Well, I don't... Well, like, okay, so I get money, right? I get a paycheck, right? And then, like...

Speaker 4:
[13:46] So that's a paycheck.

Speaker 5:
[13:47] Okay, that's a paycheck, right? Okay, gotcha.

Speaker 8:
[13:51] I'm following along.

Speaker 5:
[13:52] Let's say, like, I take... Well, I don't really know what to say here. I don't know what to do right now. I get a paycheck and then, like, let's say this is my first paycheck of the month, right? So I'll take, like, half of my bills, and then until my next paycheck, I'll just kind of...

Speaker 4:
[14:10] Hey, visualize it, please, because you're literally just saying f**king shit.

Speaker 5:
[14:15] Let's say half of my bills is, like, I don't really... Why? I mean, I know what it is, but we're like...

Speaker 9:
[14:20] Oh, my God.

Speaker 3:
[14:21] I don't really know what it is, actually. You can't be real.

Speaker 4:
[14:24] This world... Ladies and gentlemen, these are the people you work with, you live next to, you f**king... sit next to on the bus or in class or grew up with. Ladies and gentlemen...

Speaker 3:
[14:34] I have a nice car.

Speaker 4:
[14:35] More debt, I assume. Continue. How would you actually put it on the f**king whiteboard?

Speaker 5:
[14:40] Okay, so I get a paycheck, right? So let's say half of my bills is, like, $750.

Speaker 4:
[14:46] Is it?

Speaker 3:
[14:49] No, don't give me an example that's not real. Don't give me an example that's not real.

Speaker 4:
[14:54] Give me the reality. You're trying to tell me how this f**k works.

Speaker 10:
[14:57] You're saying, I pay my bills, my finance is worth that bad.

Speaker 3:
[15:01] So I would have to...

Speaker 5:
[15:02] But for my brain, like, to be able to actually...

Speaker 4:
[15:03] Your brain? Your brain? F**k your brain. I'm just telling you to explain literally what happens. F**k your brain. I don't care about your brain.

Speaker 3:
[15:11] I'm trying to do that.

Speaker 5:
[15:12] I'm trying to do that.

Speaker 4:
[15:13] But you said, let's say the bills are...

Speaker 3:
[15:15] I can't tell, okay, can I pull my notebook out?

Speaker 5:
[15:17] Because this is where the actual numbers will come in and I can explain it. Can I do that?

Speaker 4:
[15:22] No, I want to actually see if you're able to actually speak on this, actually.

Speaker 5:
[15:26] Let me start over. Okay, so let's say when I talked with Lindsay, I pulled up the example of I had a paycheck. Well, I had a budget that I did for like $2,000.

Speaker 4:
[15:35] You did a budget?

Speaker 5:
[15:36] Yeah, in my notebook. Like when I got like something, I think it was like $2,040 something dollars. So let's say $2,040.

Speaker 4:
[15:45] For the month of the paycheck?

Speaker 5:
[15:47] Well, the paycheck hit. And so that was what was in my savings account.

Speaker 4:
[15:50] You budgeted based on the exact amount that hit, not like a, oh, okay.

Speaker 5:
[15:54] Well, because the exact amount that hit is like either...

Speaker 4:
[15:58] Your budget should be consistent and you might just have extra money or tight money. Yes. And we decide with that.

Speaker 5:
[16:03] Yes.

Speaker 4:
[16:03] Then how are you budgeting based on this paycheck?

Speaker 5:
[16:06] Because the paycheck is different every time.

Speaker 4:
[16:08] But that's what I just said. I just said that. I just said that. But your budget should be consistent based on your...

Speaker 5:
[16:14] It is. The numbers are always the same. I take, I pay my...

Speaker 4:
[16:17] Then why does it matter? Why do you have to budget off of 2040 instead of...

Speaker 5:
[16:21] Because it's a different number that I'm budgeting from every month. Because the number is different every month.

Speaker 4:
[16:28] Oh no, but I just said, but your expenditure should be the same. So that does not matter. That doesn't matter. You're not budgeting from that. Your expenditure isn't changing.

Speaker 5:
[16:37] What is an expenditure?

Speaker 2:
[16:45] Oh, my f-

Speaker 4:
[16:50] Oh, ladies and gentlemen, this is going to be a difficult one. What? What?

Speaker 5:
[16:52] Is that how much I spend a month? What's an expenditure?

Speaker 4:
[16:54] Yes, out, out. Let's call it out. Yes, spending.

Speaker 5:
[16:57] Oh.

Speaker 4:
[16:58] Let's say that.

Speaker 5:
[16:58] Okay. Expense. Yeah, yeah, yeah, yeah. Oh, I'm following. Okay, so yeah, that all doesn't change, but the number that I have to work with money-wise changes weekly.

Speaker 11:
[17:12] Okay, continue.

Speaker 5:
[17:13] Okay, so, for example, I got to...

Speaker 4:
[17:16] Example.

Speaker 5:
[17:17] I had $2,040 in my savings account, right? Savings? Yeah. Well, because my paycheck goes into my savings account, and then when I swipe my debit card, it goes... it overdraft protections from my savings to my check... So, like, technically, my...

Speaker 4:
[17:37] I'm not laughing with you. I'm laughing at you.

Speaker 5:
[17:40] So, technically, my checking is always at zero. I think it's at zero right now. Well, technically, I guess it's overdrafted all the time, but because the overdraft protection, it just keeps it at zero and just pulls the money from my savings. So, my savings is, yeah, yeah. So, my bills get paid for my savings. I have $500 cash from Christmas that my grandma gave me, and that's like my real savings. So, if like the bills are paid, okay. Stop. So, if the bills are paid, I'll just like go put a $100 bill on the bank from my grandma from Christmas, and then my electric is paid. The number is always a number at the end of the month. I'm telling you, my electric is always paid.

Speaker 4:
[18:34] The number is always a number. Yeah. I've heard that. Okay. So, okay. $2,040 is the savings.

Speaker 5:
[18:42] So, yes. So, like maybe my paycheck wasn't 2,040, but sorry, my feet are over there. Sorry. So, like, but if I get like $1,700 paycheck and then like whatever.

Speaker 4:
[18:55] Your paycheck was 2,040. Tell me what happens now.

Speaker 5:
[18:58] Sorry. I was just going off their hands. Okay. So, now I'll take half of all my bills.

Speaker 4:
[19:04] Half of all your bills?

Speaker 5:
[19:05] Well, yeah, because I get two paychecks a month. So, well, depending on the due date of the bills, because some bills are going to be due before my next paycheck. So, I have to put the whole number there. So, okay. Let me just keep going. So, I do $50 a week for groceries. So, I'll take $100 out for groceries, food. Then I do about $75 in gas every two weeks. So, I'll take that. And then I tithe 10% of my paycheck. So, I'll tithe $204. You make no money.

Speaker 4:
[19:37] You're tithing 10%?

Speaker 5:
[19:39] Yes. And that's non-negotiable. I'm not changing that ever. And I even tithe, like, I got a return from my car when I crashed my car. And I tithe 10% on that.

Speaker 4:
[19:49] Huh?

Speaker 5:
[19:50] Yeah.

Speaker 4:
[19:51] You what? Wait, what?

Speaker 5:
[19:52] I crashed my car in November. So, when I got the insurance check for it, I ended up getting a check for, like, $5,000 or $6,000. And I tithe 10% on it, because I was really praying that I would only get enough money to pay my car off. And then I ended up getting, like, $5,000 or $6,000.

Speaker 4:
[20:08] I'm not saying you can't. I'm not saying you can't. It's like, yeah, fine. Whatever your religious belief is, that's okay. Stop for a second. You've been controlling the airflow of this conversation. Listen for a moment. Stop writing because I don't know what that is. You just, okay, that's the timing. But the mathematical reality when it comes to giving any charity or to any religious organization, if you actually get this taken care of and get yourself on a better financial footing, you will be able to give a larger number over the course of your life than if you're giving just a little bit right now. That is a reality that happens at every time for any charitable donations, for any income situation. So yes, I would pause that now temporarily and give more. Recoup later. Give what you lost later.

Speaker 5:
[20:57] Well, no, I'm not, Sam. No, I'm not doing that because here's the thing is when I...

Speaker 4:
[21:01] Are you here for listening or?

Speaker 5:
[21:04] Well, I mean, I'll listen, but like that one, I won't listen about. Because, well, because...

Speaker 4:
[21:11] But you can still give the same amount in the end, and actually even more.

Speaker 5:
[21:14] I mean, yeah, correct.

Speaker 4:
[21:16] So it would work out. It would be fine.

Speaker 5:
[21:18] Yeah, but like God wants us to make sacrifices. So this is sacrifice.

Speaker 4:
[21:22] So what you're doing is making a sacrifice now in your life so that you can give more to the church later. No. But you'll be giving more, so isn't that better?

Speaker 5:
[21:35] Well, yeah, but I just don't see it that way. Well, because I see it as like, okay, so when I moved, so I moved to Texas, right? And then I moved while I was in Texas in September.

Speaker 4:
[21:48] Okay, that's crazy.

Speaker 5:
[21:50] Well, so here's the thing. It's like a God thing. So when I moved, I-

Speaker 4:
[21:53] Evens a God thing?

Speaker 5:
[21:55] Just listen. So when I moved in September, my parents came down and for like a week we were looking for apartments, right? We couldn't find any apartments in my budget because I was still making not as much money as I'm making right now.

Speaker 6:
[22:06] I was making even less.

Speaker 5:
[22:07] In Dallas, that's scary. So anyways, then I prayed really hard and I was like, God, you didn't bring me to Texas.

Speaker 6:
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Speaker 5:
[22:45] The way to send me home, like I found a church that I really love. Like, I'm not going home. I love it here. You brought me here for a reason. And so like I fought with him and I prayed really hard. And then the next day, we accidentally found the apartment that I'm in right now. And like I raised my budget a little bit. And I ended up getting the first two months free. And like I lost a ton of money. So my dad had helped me pay like the deposit, but that was it. And then like the lady, the manager sat with us and we were like, hey, but we need keys like tomorrow morning. We can't do like the week application and everything. So like she sat with us and we got my apartment that day and everything. And so now I kind of-

Speaker 4:
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Speaker 5:
[26:13] Yeah, correct. And all of those apartments the week ahead of this one, we're trying to do that. And I lost a lot of money.

Speaker 4:
[26:20] That sounds like you were a moron.

Speaker 5:
[26:22] Yeah, I was. Well, because I was in panic mode because I just had left my boyfriend and I didn't have somewhere to live and I don't know anyone here and I don't... So yeah, I was stupid about it.

Speaker 4:
[26:33] That's you being a moron. That's not you praying, though.

Speaker 5:
[26:35] No.

Speaker 4:
[26:35] That's you being a moron.

Speaker 5:
[26:36] Correct. About me not like... About me losing money, that was me being a moron.

Speaker 4:
[26:40] And praying is good. It helps a lot of people in every religion. It really does.

Speaker 5:
[26:44] Exactly.

Speaker 4:
[26:44] It makes people feel good.

Speaker 5:
[26:45] And it helped me out. Yeah. God helped me out. He found me an apartment.

Speaker 4:
[26:49] I love it.

Speaker 5:
[26:49] He helped me find an apartment.

Speaker 4:
[26:50] No, you were a moron.

Speaker 5:
[26:51] Yes.

Speaker 4:
[26:51] All of this is the actions of your choices though.

Speaker 5:
[26:53] But, so now the action of the tithing is my thank you for letting me stay. It's like my thank you to God.

Speaker 4:
[26:58] So you chose to leave your boyfriend and... Yes. You can think of it throughout the rest of your life. I love that.

Speaker 5:
[27:03] So it's a just...

Speaker 3:
[27:03] I love that.

Speaker 4:
[27:04] That's great. Do it.

Speaker 5:
[27:05] I do not care.

Speaker 4:
[27:06] But right now, fix your shit and then give more and just make up what you didn't.

Speaker 3:
[27:09] Well, I can fix my stuff with like other things.

Speaker 5:
[27:12] Like I can't... Like I have a sponsor kid. I mean, that kind of breaks my heart, though. I can't get rid of him. His name's Joshua. He's in like, I don't know where, but I pay like 40 bucks a month so he can eat. Sometimes he eats better than me.

Speaker 4:
[27:29] Joshua.

Speaker 7:
[27:30] I gave him like a traditional African name.

Speaker 4:
[27:33] So what's the baby's name?

Speaker 5:
[27:34] OJ. Yeah, it's through World Vision. Oh, it's just like a big like sponsor kid Christian thing.

Speaker 4:
[27:43] I hope it's legit.

Speaker 5:
[27:44] Look, Joshua gets to eat, and that's all that matters.

Speaker 4:
[27:46] I hope Joshua's real.

Speaker 5:
[27:48] I think he is. I have a picture of him on my phone. He's really cute.

Speaker 4:
[27:50] Yeah, that's very difficult.

Speaker 5:
[27:51] He wrote me a letter.

Speaker 4:
[27:53] That's also very difficult to do.

Speaker 5:
[27:55] I think it's a legit company. They're like very well known.

Speaker 4:
[27:58] It's a company?

Speaker 5:
[27:59] Well, it's like, I guess it's an organization. Google it. I'll come right up.

Speaker 4:
[28:06] It is a legitimate international charity, but it's frequently.

Speaker 5:
[28:10] Oh, shoot. It's frequently what?

Speaker 4:
[28:12] It is frequently impersonated by scammers using fake loan foundation schemes.

Speaker 5:
[28:17] Oh, no.

Speaker 4:
[28:17] Phone job offers and phishing websites to steal money and personal information of which, if anyone I have ever met would fall for. Okay. So, okay. 10% goes to tithing. Sounds like we're not going to get anywhere there, so continue.

Speaker 5:
[28:31] Yeah, that's a non. So then, tithing always comes out first.

Speaker 4:
[28:35] I still give the money back. I'm not against tithing. I am against you being stupid. Continue.

Speaker 5:
[28:42] Okay. So then, I pay my dad some bills, so I pay him on the first of the month.

Speaker 4:
[28:48] Pay your dad some bills?

Speaker 5:
[28:49] Yeah. I pay my dad car insurance and for my phone bill, so I pay him to 25 a month. I Venmo him, so half of that is 113.

Speaker 4:
[28:58] Why aren't you getting those in your own at that price?

Speaker 5:
[29:01] Well, okay, because...

Speaker 4:
[29:02] The Helium at $15 a month. You're in Texas. Helium is good.

Speaker 5:
[29:06] I'm only paying him $25 a month for my phone, and it's for the actual phone. It's not for the plan also.

Speaker 4:
[29:13] You financed the phone. Continue.

Speaker 5:
[29:16] I did. So I pay him, and oh, and my car insurance story is that... What?

Speaker 4:
[29:21] You said 113? No, you told me 213.

Speaker 5:
[29:23] You wrote down 113. I said 113, and then I said I pay him total 225.

Speaker 4:
[29:28] A month.

Speaker 5:
[29:28] A month, yeah. So the $200 car insurance is because I tried to get car insurance on my own, and they were trying to charge me like $800 a month.

Speaker 4:
[29:37] Continue.

Speaker 5:
[29:38] Okay. So then I have like my student loan, half of one is 50, and then another half of the other one is 23, and then I have half of my...

Speaker 4:
[29:49] An individual, okay.

Speaker 5:
[29:50] Well, I have two different ones.

Speaker 4:
[29:52] Different accounts or different loans that are the same account?

Speaker 5:
[29:54] Completely different loans. But one of the loans, the Mohella loan is two loans into one. So I have three loans, technically. And then I pay like 150-ish for electric. So is that 75, half electric?

Speaker 4:
[30:13] From your savings, yep. Continue.

Speaker 5:
[30:15] Well, from the paycheck, technically. And then I pay 50 for internet.

Speaker 4:
[30:21] Okay, now I'm confused. So you're living on your own now, and you spend a lot of money to make that because you just chose to leave. You guys moved to Texas together, if I'm not mistaken.

Speaker 5:
[30:29] Yeah.

Speaker 4:
[30:30] So you guys moved to Texas, and you immediately just like, nope, actually, I don't like you.

Speaker 5:
[30:33] No, no, no, no, no.

Speaker 4:
[30:35] Let me go live on my own and blow a lot of money.

Speaker 5:
[30:38] No, no, we were having issues communicating and agreeing on things.

Speaker 4:
[30:42] Well, that's good. I would move across the country for someone that I'm doing that with.

Speaker 5:
[30:46] No, it wasn't like that until we moved. Things just got more difficult when we moved.

Speaker 4:
[30:50] Why did it get worse?

Speaker 5:
[30:50] Well, because when, so when we had moved in, it was my ex's first time ever leaving his home with his parents. He never even went to college.

Speaker 4:
[30:59] And you're gonna move across the country with that?

Speaker 5:
[31:01] Well, I was gonna marry that. I still want to one day.

Speaker 4:
[31:06] Oh, okay. Bro, you guys cut it like a week ago.

Speaker 5:
[31:12] So here's the thing, no, we're just trying to do it right so we don't actually fail this time.

Speaker 4:
[31:16] That's the guy you showed me?

Speaker 5:
[31:18] No.

Speaker 4:
[31:18] So you have eyes for two men?

Speaker 5:
[31:20] No.

Speaker 4:
[31:21] That's very Christian of you.

Speaker 5:
[31:22] No, I was, I was.

Speaker 4:
[31:23] No, she was showing me pictures of a very handsome cowboy.

Speaker 5:
[31:27] And he was very handsome, but I.

Speaker 4:
[31:29] That she wants the.

Speaker 3:
[31:30] Oh my gosh.

Speaker 5:
[31:32] No, no, I wanted. So I introduced myself to him a while ago.

Speaker 4:
[31:37] Come on, Christian girls are the craziest.

Speaker 5:
[31:39] Well, I used to be, but not anymore. Look.

Speaker 4:
[31:41] Always happens.

Speaker 5:
[31:42] It's my purity ring. Ugh.

Speaker 3:
[31:46] Did you just, ugh?

Speaker 4:
[31:47] Yeah.

Speaker 5:
[31:48] No, it's cute.

Speaker 4:
[31:52] Girl, just have fun. OK.

Speaker 5:
[31:53] I had a lot of fun, so I'm OK.

Speaker 4:
[31:56] Uh-huh. OK. Oh, oh, oh, oh.

Speaker 5:
[31:58] So, the ex. So...

Speaker 4:
[31:59] Yes, you broke up with him?

Speaker 5:
[32:00] So, well, so here's the thing is, when I had moved out, we were having issues communicating, and I thought it, like, I moved out still wanting to marry him, and it was, like, right before we were supposed to get engaged. So, here's the thing is, I...

Speaker 4:
[32:11] And he had never lived anywhere besides his parents, and you were about to get engaged to this man.

Speaker 5:
[32:16] Yeah.

Speaker 4:
[32:17] How long were you guys together?

Speaker 5:
[32:18] Like a year. We were going to get engaged.

Speaker 4:
[32:19] When were you getting railed endlessly then? What? When were you getting railed endlessly then? Because you just said you had a ho phase. Like, how's that even possible? If you were with him since he was 20, when were you just... What was your ho phase? Like, two months?

Speaker 3:
[32:31] I never said it was a ho phase.

Speaker 5:
[32:33] I just said I had fun. Like, I was a party girl in college. I partied a lot. I drank a lot.

Speaker 4:
[32:37] You got with him at, like, 20.

Speaker 5:
[32:40] Well, I got...

Speaker 4:
[32:40] When were you having fun? 18 to 20?

Speaker 5:
[32:43] Yeah.

Speaker 4:
[32:44] That was fun? Two years of your life?

Speaker 5:
[32:46] Yeah. I went to Chicago a lot. I did a lot of clubbing, but it was, like, a lot. So it was, like, Thursday through Sunday type partying.

Speaker 4:
[32:52] And you want to get with this guy? Because the day after you left, he brought another girl into your guy's apartment.

Speaker 5:
[32:57] At the end of the day, I moved out because I wanted to marry him still, and I thought this space was going to be good for us to be able to grow as human beings and, like, him to mature a little bit and, like...

Speaker 4:
[33:06] Yeah, he brought some titties back to the place.

Speaker 5:
[33:09] I know. I mean, at least they weren't cute ones.

Speaker 4:
[33:11] Maybe. I don't know. You're saying that.

Speaker 5:
[33:13] No. She was chopped.

Speaker 4:
[33:14] Jealous X.

Speaker 5:
[33:15] I'm not jealous. It's a fact. It's a fact.

Speaker 4:
[33:19] Show me a picture.

Speaker 5:
[33:20] I'm blocked, but we can find her. He had her block me.

Speaker 4:
[33:23] You know her name.

Speaker 5:
[33:24] Yes, of course I know her name.

Speaker 4:
[33:27] Jealous X.

Speaker 5:
[33:28] I was jealous, obviously, because there's a thing I left wanting to marry him, and then he brought in titties before my shit was even out of the apartment.

Speaker 4:
[33:36] Yes, did they bang?

Speaker 5:
[33:37] Yeah, obviously they bang.

Speaker 4:
[33:38] You are, and you wanted to get back with this.

Speaker 3:
[33:41] Yes, because here's the thing.

Speaker 5:
[33:42] All the reasons why I left him were everything that he got from her. Basically, he got his own shit hand back to him.

Speaker 4:
[33:52] The new girl works for Twin Peaks. Are they together now?

Speaker 5:
[33:54] No, they're broken up now.

Speaker 4:
[33:56] Except you guys just broke up again a week ago, so maybe she's back in the picture.

Speaker 5:
[34:00] Don't say that.

Speaker 4:
[34:02] Well, I mean, this is be real. I know how men work.

Speaker 5:
[34:04] Yeah, but I don't want to think about that. I know how they work too. I mean, he brought a new thing before my clothes were out of the closet. She had a toothbrush on her couch. I'm sorry. I'm trying to watch my mouth. But she had a toothbrush in our apartment before my stuff was even out.

Speaker 3:
[34:18] Exactly.

Speaker 5:
[34:19] So when I got there and I moved all my stuff out.

Speaker 4:
[34:21] The day after she moved out, there was a toothbrush there?

Speaker 3:
[34:23] No.

Speaker 4:
[34:23] You bring a toothbrush for fun?

Speaker 5:
[34:25] Wait, what? What?

Speaker 4:
[34:27] I don't.

Speaker 3:
[34:27] I know.

Speaker 5:
[34:29] Wait, are you trying to say that she was there first before I left? What are you trying to say?

Speaker 4:
[34:33] Bringing her toothbrush over for an evening of fun?

Speaker 5:
[34:35] No, that's the point. It wasn't just an evening of fun. They were in a relationship. What?

Speaker 4:
[34:42] The day after you moved out?

Speaker 5:
[34:43] Yes.

Speaker 4:
[34:44] Hold on.

Speaker 5:
[34:44] I moved my stuff out of the apartment.

Speaker 4:
[34:46] Wait a minute.

Speaker 5:
[34:47] I was standing in my new apartment.

Speaker 4:
[34:49] Is that not the biggest red flag you've ever heard in your life? And you want to get back with a guy that was likely cheating on you?

Speaker 5:
[34:55] Oh, I can't find her now.

Speaker 4:
[34:56] Oh, come on.

Speaker 5:
[34:58] No, I'm serious.

Speaker 4:
[34:59] A girl who works at Twin Peaks.

Speaker 5:
[35:01] Yeah, well, I know how to spell her name and everything.

Speaker 4:
[35:03] A girl who works at Twin Peaks had already moved in the day after you moved out.

Speaker 5:
[35:09] Yeah, and do you want to know the crazy part too?

Speaker 4:
[35:12] That is the crazy part, but sure.

Speaker 5:
[35:14] Well, so like him and I, we got into some disagreements about the way that I used to dress because I used to dress a lot more provocatively before God.

Speaker 4:
[35:22] So, oh my God, okay.

Speaker 1:
[35:24] Girl, that's his page.

Speaker 4:
[35:27] Who cares how you dress?

Speaker 5:
[35:29] Should I try and find her?

Speaker 4:
[35:30] Yes, I thought that's what you were doing.

Speaker 5:
[35:32] Oh, I meant like still. I can't find her.

Speaker 4:
[35:35] So, what was the crazy part? Yes, this is dressing.

Speaker 5:
[35:37] Well, the crazy part was that like...

Speaker 4:
[35:39] I mean, I want you to dress even more like Handmaid's Tale so we can cover that arm hair.

Speaker 3:
[35:45] Oh my God, I cannot believe you just said that.

Speaker 5:
[35:51] I'm Puerto Rican, we're hairy, and my dad's like Greek and German, and so I'm just hairy. You don't have to judge me. So anyway, I can't find her.

Speaker 6:
[36:05] Oh, that's not fun.

Speaker 4:
[36:08] You immediately went in there and put the girl's toothbrush in the toilet. And then you wrote cheater on the mirror.

Speaker 5:
[36:15] Yeah, yeah, and I took every thing.

Speaker 4:
[36:17] Can't find her?

Speaker 5:
[36:18] No, I can't.

Speaker 4:
[36:19] Show me him, this guy you want to get back with.

Speaker 5:
[36:21] I tried to.

Speaker 4:
[36:21] Well, I know, but I want to see her.

Speaker 5:
[36:23] I want to see her too.

Speaker 4:
[36:24] You don't know her name?

Speaker 5:
[36:25] I know her name. I'm typing in her name.

Speaker 4:
[36:27] Okay, okay, okay, okay.

Speaker 5:
[36:28] Pull him up, pull him up, pull him up, pull him up. Okay, that's him. I have a really cute picture of him and I together too. We look cute together.

Speaker 4:
[36:35] Bro, are you kidding me?

Speaker 5:
[36:37] Okay, see, but no, no, no, no. Can I show him, can I show a picture? I have a better one.

Speaker 3:
[36:41] I know, those are not cute.

Speaker 5:
[36:44] You know men can't post pictures on Instagram, so if they're like kind of cute on Instagram, then you know that they're a little bit cuter in real life. Okay, look for her. I've, oh wait, I've never tried Facebook. Maybe I'm just spelling it.

Speaker 4:
[36:57] I love the sex that writes cheating around the mirror. And he is a cheater. Why do you want to get back together with a cheater? We're gonna call this guy.

Speaker 5:
[37:03] Because I told you, I was like, remember, so I was telling him, I need you to help me with the laundry, I need you to help me with the dishes, I need you to help me pay the bills. So when I left, those were mainly the reasons, we just weren't agreeing on being adults, basically. And so when I left, I thought it would give him a chance.

Speaker 4:
[37:19] When you two met, he already had a girlfriend. You wanna go down this road again? You're trying to be a religious girl and whatnot? You're trying to go down a road with a guy that cheated on someone to be with you, who cheated on you to be with someone else, and you want to marry this man?

Speaker 5:
[37:36] Yeah. Oh my God, I found her.

Speaker 4:
[37:39] You are delusional.

Speaker 3:
[37:42] I told you she's chopped.

Speaker 4:
[37:43] Show me.

Speaker 3:
[37:44] I told you she's chopped.

Speaker 5:
[37:46] Her mom posted that, I think.

Speaker 4:
[37:48] You know what she means?

Speaker 5:
[37:49] She was a mooch.

Speaker 4:
[37:49] You know what this Christian Texan means?

Speaker 5:
[37:52] I'm not a Texan.

Speaker 4:
[37:53] When she's, yes you are.

Speaker 5:
[37:55] I'm a Jersey girl.

Speaker 4:
[37:56] You know what this Christian... White girl who lives in Texas means when she says she's chopped, it means she's black.

Speaker 5:
[38:03] No, that's wrong. I knew you were going to say that. I'm not, no, I'm not like that. I've chatted with a lot of dark colored men. This is actually, this was actually my first white man. This was my first one.

Speaker 4:
[38:17] This is her?

Speaker 5:
[38:18] No, that's the mom. She's got the ex-girlfriend now, she's got messed up teeth. Yeah, so basically, she was a mooch, and she found my ex with a good job.

Speaker 4:
[38:29] You're calling the black woman a mooch?

Speaker 5:
[38:30] She was a mooch. She went in with a job that she barely ever went to. She would sleep all day, wake up and put makeup on, and then get dropped off at work. She had no car, no driver's license, she had a shitty job, she just was a mooch. She could have been white, she could have been brown, she could have been yellow, she was still a mooch.

Speaker 4:
[38:47] I think the guy just wants a little seasoning, a little bit of flavor.

Speaker 5:
[38:49] Well, then why is he coming crawling back?

Speaker 4:
[38:51] Is he?

Speaker 5:
[38:52] Well, he was a couple weeks ago.

Speaker 4:
[38:54] Because he wanted to f**k with you guys two weeks ago.

Speaker 5:
[38:56] No.

Speaker 4:
[38:57] No?

Speaker 5:
[38:58] No.

Speaker 4:
[38:58] You promise me.

Speaker 5:
[38:59] Yeah.

Speaker 4:
[39:00] You swear to the big up there.

Speaker 3:
[39:04] Ah. Yeah. You do?

Speaker 4:
[39:07] You swear?

Speaker 5:
[39:07] Well, no, I don't swear. Well, I just don't swear on the big guy in general.

Speaker 4:
[39:14] Well, if it was true.

Speaker 5:
[39:16] Yeah.

Speaker 4:
[39:17] You guys didn't know Glucky Glucky? No Touchy Touchy?

Speaker 5:
[39:19] Well, I mean a little bit.

Speaker 4:
[39:21] No Glucky Glucky. That's what he wanted. That's what he came back for. And then he left a week later, right?

Speaker 5:
[39:27] Well, no. Well, yeah. But no. But I mean, but so the thing is, when he was like, I think we should go no contact, it was because we were starting to see the same patterns in our communication happening again.

Speaker 4:
[39:38] In two weeks? The pattern in that communication is he wanted to go another woman.

Speaker 5:
[39:44] For six months? They were together for like six months.

Speaker 4:
[39:47] That's a lot for him.

Speaker 5:
[39:48] Yeah, I know.

Speaker 4:
[39:48] He starts cheating. He's just here. You want to get back with this new shit? The guy you showed me before is so much more handsome.

Speaker 5:
[39:55] Yeah, but he...

Speaker 4:
[39:55] The guy you showed me before?

Speaker 5:
[39:57] But he wasn't interested in me at all.

Speaker 4:
[39:59] Well, no. Oh, a guy doesn't like you. I don't give a. That's not a traditional crying thing on this show.

Speaker 5:
[40:08] you.

Speaker 7:
[40:08] Oh, well, you.

Speaker 9:
[40:09] Oh, shut up.

Speaker 4:
[40:11] The guy you have a crush on in church doesn't like you?

Speaker 3:
[40:14] That's not what I'm crying about.

Speaker 5:
[40:15] I'm crying about my ex.

Speaker 4:
[40:17] Your ex that cheated on you, who cheated on you with another girl that cheated on you?

Speaker 5:
[40:20] I know, but I think it needed to happen.

Speaker 4:
[40:23] Oh, girl, you are broken.

Speaker 3:
[40:26] No, I'm not.

Speaker 5:
[40:28] I may be a little bit delusional, but I think-

Speaker 4:
[40:30] A little bit? Show me a picture of the new guy.

Speaker 5:
[40:33] I don't have a new guy.

Speaker 4:
[40:34] You just showed me.

Speaker 3:
[40:36] No.

Speaker 4:
[40:36] The guy you're into.

Speaker 5:
[40:38] The one from church?

Speaker 3:
[40:39] Yes.

Speaker 5:
[40:39] No, I've given up on that a while ago. I literally put myself out there. What do you mean?

Speaker 4:
[40:44] How'd you put yourself out there?

Speaker 5:
[40:46] Okay. So we had met once or twice, and so I had followed him on Instagram, and he was private with 200 and something thousand followers. He never accepted me, so I removed it. Then my friend, a couple weeks later, because we were still seeing each other at church, my friend at church was like, I'm friends with him, let's go introduce you. He's single, whatever. So they went and introduced me, and then a little while after that, I was just going to play it by ear and not be too pushy about it.

Speaker 4:
[41:17] Do you have his phone number?

Speaker 5:
[41:18] No.

Speaker 4:
[41:19] And you're not in his Instagram?

Speaker 5:
[41:21] No, because he-

Speaker 4:
[41:21] You have no point of contact.

Speaker 5:
[41:23] No, I mean, I could DM him on TikTok, I think, because he's not private on TikTok.

Speaker 4:
[41:29] He will not see that.

Speaker 5:
[41:30] Yeah, well, exactly. So I can't even slide into his DMs. And this was a while ago, and I tried to introduce myself, and then we tested it out.

Speaker 4:
[41:39] What about Brandon? He's looking for a nice Christian girl. He actually is, it's because you guys are the most handsome couple in the world. And you're good looking, and his home is Dallas-ish.

Speaker 5:
[41:51] Really? Oh, but how does he work here, then?

Speaker 4:
[41:54] Oh, no, his home.

Speaker 5:
[41:55] Oh, here, this is me and my ex together. We're cute together.

Speaker 4:
[42:01] Sure, whatever. Go look up the new guy. I don't care.

Speaker 5:
[42:04] So this new guy, so anyway, so then we tested it out to see if maybe he just wasn't seeing it. That's his page. And then, so I was in Jersey, and my family friend, she said he had 250,000 followers. Does he not have 200 and something thousand?

Speaker 4:
[42:18] He has 10,000 followers.

Speaker 5:
[42:20] Oh, on TikTok, he has 200 and something thousand. Oh, sorry. So the thing with that is that I tested it out with my friend back home. Oh, sorry, bleep that.

Speaker 4:
[42:33] But Brandon said he's down and that you're kind of seems like you'd be fun at a Six Flags day.

Speaker 5:
[42:38] Oh, I love roller coasters.

Speaker 4:
[42:40] This is great.

Speaker 5:
[42:41] Okay.

Speaker 4:
[42:42] Listen. Okay. So that's how you-

Speaker 5:
[42:45] Wait, let me finish really quick the story about him. So we tested it out. So this is how I know he really-

Speaker 12:
[42:49] K-pop demon hunters, Saja Boys breakfast meal and Huntrix meal have just dropped at McDonald's. They're calling this a battle for the fans. What do you say to that, Rumi?

Speaker 5:
[42:58] It's not a battle.

Speaker 11:
[42:59] So glad the Saja Boys could take breakfast and give our meal the rest of the day.

Speaker 2:
[43:03] It is an honor to share.

Speaker 12:
[43:05] No, it's our honor. It is our larger honor. No, really, stop. You can really feel the respect in this battle. Pick a meal to pick a side.

Speaker 6:
[43:16] Ba-da-ba-ba-ba.

Speaker 2:
[43:17] I participate in McDonald's while supplies last.

Speaker 5:
[43:19] He is not into me at all. My friend who is married with kids, but she's a beautiful like bombshell blonde with fake boobs and fake lips and everything. No, she's, I mean, she rocks it. She's gorgeous. I mean, I don't prefer it for myself either, but still anyway. So she followed him on, requested to follow him. He immediately accepted it and then followed her back and then was viewing her stories. So then I followed him immediately after again, 24 hours went by and I wasn't accepted.

Speaker 4:
[43:45] Oh my gosh. These women games.

Speaker 5:
[43:46] Okay. So I removed it again.

Speaker 4:
[43:48] Sorry, you don't like it. He ain't sticking it in and giving you babies. Rep, keep going back to the cheater. You think that's the only alternative? Shut the f**k up.

Speaker 5:
[43:55] I don't think it's the only.

Speaker 4:
[43:55] So this makes no sense. I don't understand. You abandoning, which fairly, because you left a relationship and you didn't know he was cheating until you left.

Speaker 5:
[44:05] Yeah, because my friend upstairs.

Speaker 4:
[44:08] He is cheating.

Speaker 5:
[44:09] But technically, no.

Speaker 4:
[44:11] Jesus.

Speaker 5:
[44:12] No, Patricia in the other room.

Speaker 4:
[44:16] Oh, okay.

Speaker 5:
[44:17] Yeah.

Speaker 4:
[44:18] She's upstairs.

Speaker 5:
[44:19] Did I say upstairs? I meant she's over there.

Speaker 4:
[44:20] You said upstairs.

Speaker 5:
[44:21] Oh, well, oh, oh, this is why I said upstairs. She lives right on top of my ass.

Speaker 4:
[44:26] So we're talking about the big G.

Speaker 5:
[44:28] Well, no.

Speaker 4:
[44:29] He's upstairs.

Speaker 5:
[44:30] Well, yeah, he is upstairs. But she's literally upstairs. So the apartment that my ex and I moved into, he's still there. I know her from her moving in with her ex a couple weeks after him and I moved in. So we were upstairs, downstairs neighbors. Because she's the one that told me he was cheating. And she's the one that called me and was like, the day that I got the keys to my new apartment, she called me and was like, oh, hey, I just want to let you know that he just brought a new girl home.

Speaker 4:
[45:00] How you budget makes no sense to me. I need to get back to that.

Speaker 5:
[45:02] Okay, so, yeah, this is it.

Speaker 4:
[45:04] Oh, there's more?

Speaker 5:
[45:05] No, well, I have more bills, obviously.

Speaker 4:
[45:07] Okay, you have more bills, but this doesn't understand. This number shouldn't matter.

Speaker 5:
[45:13] Why? It's how much money I have to spend.

Speaker 4:
[45:15] Because your bills stay the same. That's already a bad way to look at it. Your bills do not change. Your bills in 50, 30, 20, or whatever it is you're doing at the time should only be based off of your lowest check relatively. But here, tell me, not even your check monthly, by the way, not even paycheck to paycheck. But okay, either way, since you do this, you should be able to tell me how much you spent last month. Tell me what your outflow was last month.

Speaker 6:
[45:46] I have no idea.

Speaker 4:
[45:48] But you write it down and you have for 30 whiteboards in your kitchen, I heard, of writing down your bills and stuff. So tell me, what did you spend?

Speaker 5:
[45:56] I'm going to say probably like if I... I really have no idea.

Speaker 6:
[46:05] Okay, let's say...

Speaker 4:
[46:05] You barely have no idea.

Speaker 5:
[46:06] Yeah, let's say like 4,000.

Speaker 4:
[46:09] Okay, $5,149 when payroll was 3,197. I pay my bills, my bills are paid. The numbers in the end, it didn't. Debt. Debt.

Speaker 3:
[46:20] Debt.

Speaker 4:
[46:22] Debt. Debt.

Speaker 3:
[46:26] Debt. But I don't have...

Speaker 4:
[46:30] It doesn't matter if you don't have much, if it still goes on there, it goes on there. You dumb tit. The balance went up on the credit card. You dumb tit. Okay? You suck with money. So you download a budgeting app. You start with the classic one, YNAB. But everyone just deletes it because it's way too complicated to use. So you go to Every Dollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise, built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now and start the free trial, dollarwise.com, link in the description below. That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money, we like free money. You can get up to $200 in bonus cash right now. When you sign up for the checking account that I use, chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out, link in the description below. Sign up for chime, get that $350 right now in your checking account. Deal with this, figure out your shit. I'm not saying you can't tie it, I get it. I'm not going to tell people to not do what their religion and what they need to do in their religion. I am not against that. Do it, pause, recoup it later. Fix your shit so you're not endlessly going into debt. If you were asking the big dog, if you went and asked the pastor and like, I'm going into debt because I can't afford this 10% right now. What do you advise? I think they would say, figure out your death situation, make it up later.

Speaker 5:
[48:28] Yeah, I think you're right.

Speaker 3:
[48:29] That you dumbass.

Speaker 5:
[48:32] Oh, I hate that word.

Speaker 4:
[48:34] You don't like that word?

Speaker 5:
[48:35] Oh my God, now it makes my skin crawl.

Speaker 4:
[48:37] I don't give a. Call your ex.

Speaker 5:
[48:41] Okay, well, so he works at, so he works at, can you bleep this? He works at, so can I just text him and be like, can you call us when you get a chance?

Speaker 3:
[48:50] Oh shit.

Speaker 5:
[48:52] Really? FaceTime or?

Speaker 4:
[48:54] No, I was lying. Yes, call him.

Speaker 5:
[48:56] Okay, he might not answer.

Speaker 7:
[48:57] Just call him.

Speaker 5:
[48:58] Okay, okay, okay.

Speaker 12:
[49:00] Ah, one.

Speaker 6:
[49:08] Oh, Caleb, hello.

Speaker 4:
[49:11] Here's the thing.

Speaker 6:
[49:13] Oh, boy.

Speaker 4:
[49:14] Why did you cheat on my precious Delilah over here?

Speaker 11:
[49:24] I didn't cheat on her.

Speaker 4:
[49:26] Bullshit, if the day she moved out, there is a toothbrush and another woman living there, no way you were not in active communication, that is impossible.

Speaker 11:
[49:35] No, no, no, she wasn't living there until like a month ago.

Speaker 1:
[49:37] But they were already f***ing before my clothes were out.

Speaker 11:
[49:41] You were already f***ing before her clothes were out. Oh my God.

Speaker 12:
[49:45] I told them we weren't together.

Speaker 5:
[49:47] I'm trying to stand up for you, but it's Caleb.

Speaker 11:
[49:49] Why is this even being spoken about?

Speaker 4:
[49:52] Because, because, pause, she wants to get with you. And I'm like, why the f*** is she trying to get with someone who cheated on someone to be with her?

Speaker 11:
[49:59] I didn't cheat on her. That's what you're not understanding. It's a very complex situation. I understand the input, but...

Speaker 4:
[50:05] Okay, well, make the complex situation less complex.

Speaker 11:
[50:09] That's, that's not something I'm going to put on the Internet.

Speaker 4:
[50:11] Oh, great. What a defense. You also cheated on the girl previous of her to be with her.

Speaker 11:
[50:17] Oh, my Lord.

Speaker 5:
[50:20] He's never going to tell me that.

Speaker 11:
[50:23] So where is this conversation going?

Speaker 4:
[50:26] She wants to get back with you. I'm asking why the f*** she even wants them in the first place. But here's the thing. If you guys were together a couple of weeks ago, we'll bleep your name by the way. If you guys were together a couple of weeks ago and then you stopped being together, why the f*** are we playing this game?

Speaker 5:
[50:41] We were just taking some space to try and get ourselves on track.

Speaker 4:
[50:44] You were together for two weeks for a second, and then you broke up immediately.

Speaker 5:
[50:47] Well, yeah, because we weren't...

Speaker 11:
[50:49] I got a second job. I'm just trying to focus on myself. We were getting into arguments. It was a distraction, honestly. She knows that. I know that.

Speaker 4:
[50:57] What are the arguments about?

Speaker 11:
[50:58] Kind of accountability and I don't know, just boundaries that were set and spoken about that aren't respected. And I don't know, when things are brought up, it's not always handled the best. And I take accountability on reason, my voice and whatnot. But if you're a partner, you should at least be able to speak honestly. That's how I think.

Speaker 4:
[51:22] And what is this thing with trying to make her wear more clothes?

Speaker 3:
[51:25] Oh my gosh.

Speaker 5:
[51:27] No, we just, we debated about like corsets and something. Sorry. I told them about your-

Speaker 1:
[51:34] Shut the f*** up.

Speaker 11:
[51:41] Oh, all right, so I'm sure you have your own stance on morality and clothing and women's clothing in today's day and age. So I'm sure I don't really need to go into too much detail.

Speaker 4:
[51:57] How much does she have to wear to be with you?

Speaker 11:
[52:00] I don't know, something her grandmother and mother wouldn't frown down upon. I just think it's a respect.

Speaker 4:
[52:06] Oh, they like, I don't, well, she's saying no.

Speaker 5:
[52:10] There's some outfits that my mom and dad think are really cute that he had a problem with.

Speaker 4:
[52:14] What about at the beach? What do you allow at the beach?

Speaker 11:
[52:18] I don't even damn know about the beach. That's a different story.

Speaker 4:
[52:20] But that's the most revealing.

Speaker 5:
[52:22] He does, though. So I used to wear like in college, I used to wear like thong bikinis. Now I wear a bikini that has shorts.

Speaker 4:
[52:29] Oh, so you make her wear shorts at the beach?

Speaker 5:
[52:31] Well, he didn't necessarily make me.

Speaker 11:
[52:34] That's the thing.

Speaker 5:
[52:35] Yeah, like we just fought about it. But at the end of the day, I was on that team.

Speaker 4:
[52:38] Do you think you're going to get back together with her?

Speaker 11:
[52:41] What kind of question is that?

Speaker 4:
[52:43] Do you want to get back together with her?

Speaker 11:
[52:45] Sounds like a good question. Of course I do.

Speaker 4:
[52:47] Oh. Listen, you guys have some big disagreements. World view, like she doesn't hate gay people and you hate gay people.

Speaker 11:
[52:59] I wouldn't say I hate gay people. I hate when it's pushed towards me. This is crazy. I'm being outed as a homophobe and a quote unquote cheaters.

Speaker 4:
[53:11] But the girl you didn't cheat on her with was bi.

Speaker 11:
[53:19] Yeah. What does that have to do with that? I just told you I don't hate gay people.

Speaker 4:
[53:22] Well, she said that you don't really like gay people.

Speaker 11:
[53:26] So I mean, like I just said, if they're gay towards me, it's a little uncomfortable. And I try to make it clear that I'm not. And oftentimes, it's still pushed on me. Like I got a DM the other day. Some guy was like, hey, you're like, what would you do with a guy? I'm like, nothing, bro. Like I'm not really into that. Like yeah, you are. You're just confused. So like, yeah, that type of shit, I don't enjoy it. It makes me uncomfortable.

Speaker 4:
[53:53] Sounds like a closet bottom to me. Okay. So you haven't decided whether or not you want to get back with her?

Speaker 11:
[54:02] What?

Speaker 4:
[54:03] You haven't decided whether or not you'd want to get back with her?

Speaker 11:
[54:06] It's an ever evolving thing. It's not that simple.

Speaker 5:
[54:09] Well, because we have to, like me.

Speaker 4:
[54:11] I'm asking him.

Speaker 5:
[54:12] I'm sorry.

Speaker 11:
[54:13] Like we, at some point, we lived together and we took steps away from that. So obviously, it's just going to take time. Like we came from a totally different state together.

Speaker 4:
[54:23] So yeah, but you guys literally were supposed to get engaged two days before you broke up. So like we were almost there.

Speaker 11:
[54:29] Oh, I'm well aware.

Speaker 4:
[54:30] Okay. I do have a bad news. If you guys ever do get back together. I do have some bad news. If you ever consider getting back together. She's pretty much the most person I've ever talked to.

Speaker 3:
[54:47] I'm so mean, but he likes me because I'm- Did you just say you didn't even say bye?

Speaker 4:
[54:54] I just wanted to leave him with that.

Speaker 5:
[54:55] What do you think? Am I stupid?

Speaker 4:
[54:57] Yes, he's a cheater.

Speaker 3:
[55:00] But-

Speaker 4:
[55:00] Allegedly.

Speaker 5:
[55:01] But technically we weren't together.

Speaker 4:
[55:03] He was f***ing another b****** mummy and moved out. What the f*** are you talking about? What do you think your financial score is? Zero to ten, zero being the absolute worst, ten being the absolute best.

Speaker 5:
[55:11] I think I'm like a four or five.

Speaker 7:
[55:13] You are so f***ed.

Speaker 4:
[55:15] Did you just heard how much money I told you you spent?

Speaker 5:
[55:18] Yeah, but I only have run credit card. Ah, you f***ed.

Speaker 4:
[55:22] You make no sense, man. You make no sense. It could also be overdrafts. It could also be extra stuff. Oh, it makes sense to you.

Speaker 5:
[55:28] That's good.

Speaker 4:
[55:28] That's wonderful. Miss Laney's bullshit alone is $1,175 or $1,157. Miss Laney's bullshit.

Speaker 5:
[55:35] In a month?

Speaker 4:
[55:35] Going out to eat was like $400 bucks, unknown shopping $600 bucks, other large purchases $842 dollars. You're spending so much money. You're spending so much money that you don't have.

Speaker 5:
[55:45] What's your rent? $1,350.

Speaker 4:
[55:49] It's like half your income on a normal month.

Speaker 5:
[55:51] It's a really cute place.

Speaker 4:
[55:53] Huh?

Speaker 5:
[55:53] It's a really cute apartment.

Speaker 4:
[55:55] That's literally no one brought up that argument. I don't give a. I don't give a. No one gives a. Not a single person gives a. It is half your income when your income is low and you can't manage your shit to save your fucking life.

Speaker 5:
[56:09] But it's going, ugh, ugh. Maybe.

Speaker 4:
[56:11] You can't track it. You can't tell me the average.

Speaker 5:
[56:13] I'm going to be rich one day.

Speaker 7:
[56:13] You're going to be rich.

Speaker 4:
[56:14] Ah, rich dog groomer.

Speaker 7:
[56:15] We've all heard of them.

Speaker 5:
[56:16] Yeah. It's called opening a business.

Speaker 7:
[56:18] Oh, you're going to open a business?

Speaker 5:
[56:19] Been there, done that.

Speaker 7:
[56:20] You're going to open a business?

Speaker 5:
[56:21] Been there, done that.

Speaker 4:
[56:22] Been there, done that? How'd that go? How'd that go, successful business lady?

Speaker 5:
[56:25] Successful. I was on track in two years to make $100,000 a year.

Speaker 3:
[56:28] Where are you today?

Speaker 4:
[56:29] I don't give a... I was on track, never got there, but guys, at least I was on track.

Speaker 5:
[56:34] But because I opened that business in 2026.

Speaker 4:
[56:36] Tell me about that business then.

Speaker 5:
[56:38] It's a mobile dog grooming business.

Speaker 4:
[56:39] And how'd that go that you were on track?

Speaker 3:
[56:41] It went great.

Speaker 5:
[56:42] I opened it in 2023.

Speaker 4:
[56:43] Which is why you were only ever on track and never got there.

Speaker 3:
[56:46] I shut it...

Speaker 5:
[56:47] Okay, I was making $80,000 a year. I was on track to make more than that. When I shut it down in 2025.

Speaker 4:
[56:53] Why?

Speaker 5:
[56:54] I shut it down to move here. What? Because I was going to have no source of income at the beginning if I re-open the business.

Speaker 3:
[57:00] Move where? To Texas. From Jersey? Why'd you?

Speaker 10:
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Speaker 5:
[57:35] Because I hate New Jersey.

Speaker 4:
[57:36] Why?

Speaker 5:
[57:36] Because it's just gross there.

Speaker 4:
[57:38] But you were making money.

Speaker 5:
[57:39] I don't care. I didn't want to build my future there. I didn't want to build my life there. And the business was getting-

Speaker 4:
[57:44] Then why do you need to do this bullshit job where you make no money instead of replicating the success you had?

Speaker 5:
[57:49] Because to reopen my business, to be able to do that, I need to take out an $80,000 small business loan. To be able to pay for the $80,000 small business loan, I have to be making an extra- You already had the shit.

Speaker 3:
[58:00] Take it down here. Because I couldn't.

Speaker 5:
[58:02] I had the trailer. My dad drove the trailer for me. I had to drive the trailer.

Speaker 3:
[58:06] Get a second trailer. What?

Speaker 5:
[58:07] It was like a $20,000 trailer.

Speaker 4:
[58:09] Pause, pause, pause, pause, pause, pause, pause. If you were making $80,000 a year, I think you could handle the investment of hiring someone to drive it down here.

Speaker 5:
[58:19] Well, yeah, well, yeah, but not while I'm- I wouldn't have been able to afford the driver while I'm working here once I got here.

Speaker 3:
[58:26] If you were making $80,000 a year, how could you not afford it?

Speaker 4:
[58:29] That doesn't make sense.

Speaker 5:
[58:30] Because the income was going to stop when I moved.

Speaker 4:
[58:33] That doesn't make sense. You were already making $80,000. You had to have had some money, unless you were blowing it all again.

Speaker 5:
[58:38] I have money saved, but that's at the down payment. That's for the down payment of restarting my business. But you wouldn't need to borrow if you brought it all down. Because I couldn't though. That doesn't make sense. It makes sense.

Speaker 1:
[58:49] You're just yelling.

Speaker 4:
[58:50] No, it doesn't.

Speaker 3:
[58:50] It doesn't make sense.

Speaker 4:
[58:52] Make it make sense.

Speaker 5:
[58:52] Okay, so I had this business, right? It was a trailer. My dad was driving it. I couldn't drive the trailer. So to move down here, I had to sell the trailer to like, you know, obviously, because I couldn't take it with me.

Speaker 4:
[59:04] See, the part that immediately doesn't make sense with there is you were making $80,000. So how did you not have enough money to move down here?

Speaker 5:
[59:09] No, I did. I had enough money to move down here.

Speaker 4:
[59:11] Why did you have to sell the trailer?

Speaker 5:
[59:13] Because I couldn't take it down here. So there was no point in me having it.

Speaker 4:
[59:16] Hire someone to do it.

Speaker 5:
[59:17] Yeah, but even once I got it here, it would never leave the driveway because I can't drive it.

Speaker 4:
[59:22] Temporarily.

Speaker 5:
[59:24] I'm not doing that. No, it was better for me to get a temporary job that I can get the income to be able to make...

Speaker 4:
[59:30] Girl, what are you going to do with the $80,000 loan?

Speaker 5:
[59:32] I'm going to buy a van. I'm going to buy a grooming van.

Speaker 4:
[59:34] Convert it to the van. Move all the equipment into a van.

Speaker 5:
[59:37] It takes $80,000 to move it into a van.

Speaker 4:
[59:39] All that equipment? So you already have the equipment.

Speaker 5:
[59:41] They need to buy the van. I don't have any equipment. I have my tools. I have my tools.

Speaker 3:
[59:46] Listen.

Speaker 5:
[59:48] Listen, I have to buy the van. It's a Ram Sprinter, Sprinter van, whatever, right? I go for like $20,000 one, like a cheap, crummy one, right? So I'm going to get the van, then I'm going to send it to a company in New Jersey and they're going to convert it. But they have to put a battery system in the back.

Speaker 4:
[60:02] In Jersey?

Speaker 5:
[60:03] Yeah, because I found a family company that's giving me a really good deal and they do beautiful conversions.

Speaker 4:
[60:07] None of them are in Texas. There's grooming vans everywhere, girl.

Speaker 5:
[60:10] I have to find one in Texas, but like they're giving me a good price and I'm working on a budget.

Speaker 4:
[60:14] Yeah, but to move a van across the country is like $2,000.

Speaker 5:
[60:17] No, I'm going to drive it.

Speaker 4:
[60:19] Oh, I don't trust you.

Speaker 5:
[60:19] I drove from here to Texas.

Speaker 4:
[60:21] Yeah, you're lucky you made it.

Speaker 5:
[60:24] From Jersey to Texas.

Speaker 4:
[60:25] I don't trust you.

Speaker 5:
[60:26] Well, I mean, that's you. You're not going to be in the van.

Speaker 4:
[60:29] You driving long distance?

Speaker 5:
[60:32] I drove all the way to Austin too.

Speaker 4:
[60:34] And you beat the odds.

Speaker 5:
[60:36] I'm a good driver. Just because I don't have a car that drives itself doesn't mean I'm not a good driver.

Speaker 4:
[60:43] That has nothing to do with it.

Speaker 5:
[60:45] I'm not.

Speaker 4:
[60:49] See how excited you got about Six Flags?

Speaker 3:
[60:51] Yeah, cause I have a six flag. Six Flags, you took me on Six Flags.

Speaker 11:
[60:57] Oh my god.

Speaker 4:
[60:58] Cancel me for that bitch.

Speaker 3:
[60:59] So embarrassed.

Speaker 11:
[61:04] Brandon, I'd let you do anything to me if you take me on the roller coaster.

Speaker 5:
[61:08] Not anything.

Speaker 4:
[61:09] It says every Christian girl who then takes it up the literal ass that evening.

Speaker 5:
[61:14] Do you know this song, Jesus Loves Anal?

Speaker 4:
[61:19] No.

Speaker 5:
[61:20] It goes like, I don't even know how it goes, bro, but it's like me in the ass cause I love Jesus.

Speaker 1:
[61:29] That's so terrible.

Speaker 5:
[61:31] You've never heard that?

Speaker 4:
[61:32] Yeah, keep tithing. That'll save you.

Speaker 5:
[61:36] I'm working on it. God doesn't want you to clean yourself up before you get to Him. He helps you clean yourself up. So I'm working on things.

Speaker 4:
[61:45] That's a cope. Listen, if you want your Hammer financial score, get it for free, calebhammer.com. Take the test, it just takes a few minutes. See where you stand in the world of money, where you're doing great, where you're doing poorly, what you need to do to improve. And if you don't want to be like a guest who ends up on the show, so you're not doing this, cause this is a disaster. But it works. Make sure you know it literally doesn't. You spent way more than you made. Download the Dollar Wise Budget app. It'll automate everything for you, give you incredible insights into what exactly is going on and what you need to fix. It is awesome. Take the free trial, dollarwise.com or just in the app store of your choice. Check out the free trial. Most people take the annual version cause it saves almost 50%. And when you do the annual version, just like I signed this one, you will get my 30 day budget meal plan. It is an absolutely extensive detailed meal plan for every single day with drinks and snacks, desserts, everything included. It is awesome. This is yours to take home. You have no excuses to not meal plan, meal prep on a budget. This is it. No excuses. And you can use H-E-B for it, which is what we base it on too.

Speaker 5:
[62:46] I've never been there before.

Speaker 4:
[62:48] You are a-

Speaker 5:
[62:49] What? Oh, do you want that? I don't think I'm that stupid.

Speaker 4:
[62:55] You're how you just- I don't- hang on. Like, if you just sound like that.

Speaker 5:
[63:00] So I sound stupid.

Speaker 3:
[63:02] Yes! Yes!

Speaker 4:
[63:04] Yes, you do! In fact, I would say, I would suggest yes.

Speaker 5:
[63:08] Maybe that's just your opinion. That's cool.

Speaker 4:
[63:10] And I stand on it. Quicksilver.

Speaker 5:
[63:14] Yeah, my only credit card.

Speaker 4:
[63:16] See, just even how you said yeah! You are- and I love you for it. I don't hate you for what it's worth. Sometimes I hate people on the show. I don't hate you at all. You make me giggle.

Speaker 5:
[63:30] It feels like-

Speaker 4:
[63:31] No, I'm just laughing at you.

Speaker 5:
[63:34] I kind of laugh at myself sometimes too.

Speaker 4:
[63:37] Does the other part of yourself know you are?

Speaker 5:
[63:39] No, I'm what? Laughing at myself?

Speaker 4:
[63:42] Oh, $2,097.31, which has gone up.

Speaker 5:
[63:49] Oh yeah, it's way above that.

Speaker 4:
[63:51] It's above that? No, I meant it was up from the previous-

Speaker 5:
[63:53] Oh, oh no. The limit's higher than what you have on that piece. Cause that's what it says it's at, right? That number at the bottom?

Speaker 3:
[64:02] Yeah.

Speaker 5:
[64:03] Oh yeah.

Speaker 4:
[64:04] Oh yeah.

Speaker 3:
[64:06] It's way higher.

Speaker 4:
[64:07] It's way higher now. Open up on your phone, please.

Speaker 5:
[64:14] Text me dead emojis. Dead face.

Speaker 4:
[64:17] That means you're dead to him. Thanks a lot. You're welcome. We bring truth to relationship, Christian.

Speaker 5:
[64:25] That feels judgmental.

Speaker 4:
[64:28] Okay, there you go. Being truthful?

Speaker 5:
[64:29] You should be. This is the credit card, but my car loan is underneath it.

Speaker 4:
[64:35] It is!

Speaker 5:
[64:36] And I just-

Speaker 4:
[64:36] Shut up!

Speaker 5:
[64:37] Well, I just-

Speaker 3:
[64:38] Shut up! Stop! Let me look!

Speaker 4:
[64:42] Can I just look? Yeah. Before you f***ing talk? Good death! This must be what it feels like to be on the other side of the table for me. It's horrible.

Speaker 3:
[64:55] Am I being that bad? Yes! Shut up!

Speaker 5:
[64:58] Sorry.

Speaker 4:
[64:59] $2,664.94.

Speaker 7:
[65:04] Oh, it's for such-

Speaker 4:
[65:06] What's Blink?

Speaker 5:
[65:07] My cameras. So I have to pay $10.99 a month for the membership, so the videos save-

Speaker 4:
[65:12] $12.78. For your videos save where?

Speaker 5:
[65:15] On the Blink app. What?

Speaker 4:
[65:17] What camera?

Speaker 5:
[65:18] For Blink cameras, I have a front door camera, and I have a camera in my living room.

Speaker 4:
[65:24] Oh, this is a security system? I've not heard of this brand.

Speaker 5:
[65:27] Yeah, it's like a Nest. Oh, no, Nest is temperature. It's like a Ring camera, but Blink. I think it's just like a Rippo. Probably.

Speaker 4:
[65:35] Okay, that's okay. You are?

Speaker 5:
[65:37] Yeah.

Speaker 4:
[65:37] Well, it's not a bad thing.

Speaker 5:
[65:38] No, but yeah.

Speaker 4:
[65:39] Oh, girl, you're not even on autopay.

Speaker 5:
[65:41] No, no, but not really any reason why. I just don't, I don't know. I just didn't do it. But I go in and I pay the minimum every month. I paid $100 a couple days ago. The minimum right now is probably like $87 or something like that.

Speaker 4:
[65:57] I'll do $87. I don't know why the f*** I'm trusting you for anything.

Speaker 5:
[66:01] Well, you can check.

Speaker 4:
[66:02] Shut up. Plus Peacock TV.

Speaker 5:
[66:04] Yeah, that's the only streaming service, well, in Amazon Prime.

Speaker 4:
[66:07] That's the streaming service you chose out of all of them?

Speaker 5:
[66:10] Yeah, and I knew you were going to hate on it, but it's good. They have really good shows on it.

Speaker 4:
[66:13] What, Veggie Tales?

Speaker 5:
[66:14] No, like The Burbs. That was a really good short series. And New Girl and The Office and Parks and Recreation. Those are all my comfort shows. I turn them on when I go to sleep at night.

Speaker 4:
[66:23] Apple subscription, DoorDash.

Speaker 5:
[66:28] Yeah.

Speaker 4:
[66:29] Creature. Peacocky Ken, what the f— Peacock Church.

Speaker 3:
[66:33] Oh yeah, we went after a church.

Speaker 5:
[66:35] Who? My friend from college, she came into town.

Speaker 4:
[66:38] Okay, okay. Good. Well, shit, but then you DoorDash immediately after. Same day.

Speaker 5:
[66:48] Oh yeah, I got Panera that night.

Speaker 4:
[66:49] And Twilight, spelled very weird, Lounge. Very expensive, 60 bucks.

Speaker 5:
[66:55] We sat for a couple drinks. Jack in the box.

Speaker 4:
[66:57] Sat for a couple drinks, Christian.

Speaker 5:
[66:59] Well, I didn't get drunk.

Speaker 4:
[67:01] Drinking is still against the rules. I mean, it depends on— Depends on how much you want to cope?

Speaker 5:
[67:08] No, well, I guess yeah. It depends on your interpretation.

Speaker 4:
[67:12] Exactly, and everyone has a convenient one. Same with the Muslim couple I had on the show. Trust me.

Speaker 5:
[67:17] Oh, yeah, that was insane.

Speaker 4:
[67:19] Yeah, you're that same version on the other side. Oh, well, okay, I'm just— Cowboys Red River. I guess you didn't find one to bounce on that night.

Speaker 5:
[67:29] Oh, my God, I've never left there with a man. Never.

Speaker 4:
[67:34] Oh, I would suggest you should.

Speaker 5:
[67:36] Why?

Speaker 4:
[67:37] Stop going back to the cheater. Find yourself a nice guy.

Speaker 5:
[67:41] I tried that. I tried the church boy.

Speaker 4:
[67:44] Oh, my goodness. Yeah, but Lindsey says you go crazy for Jesus merch.

Speaker 5:
[67:48] Oh, yeah. Yeah, like my church, if they have like a set, I told her this the other day, like I don't care what's in my bank account. If the bills don't get paid, I'm taking it home. And they're expensive. Like I have a set that's like-

Speaker 4:
[68:01] Can we get Tyler in here, please?

Speaker 5:
[68:02] Almost 200 bucks.

Speaker 4:
[68:04] Your favorite streamer every day on Twitch at 7 p.m. Central, Tyler. I just need you to say it for me. Say what? It. Oh, okay, what's up? My personal favorite song, do you like the anal song? I like the, my favorite song is the one that's, Jesus Christ is my. That one, you know that song?

Speaker 3:
[68:24] I have heard that song, yeah.

Speaker 4:
[68:25] That one's great. That's a great song. Okay, thank you, Tyler. I got you, I got you, always. Live on Twitch every day, 7 p.m. Real, what is it, real Lindo? I am Lindo every day, 7 p.m. Central time. You'll love them. That's great. Let's make sure to put his Twitch in the description for this episode. Okay, yes, I like that one. So, yeah, you spend an insane amount of money on here. This is going to take now like 18 years to pay off minimum monthly payments only without doing any purchases. 18, yes, usually when people like you get pregnant and marry a military guy and then get divorced immediately.

Speaker 6:
[69:01] I'm not marrying a military guy.

Speaker 4:
[69:02] Yeah, but that's what people like you do. But you didn't, so.

Speaker 5:
[69:06] And I'm not a baby mama. Well, I mean, well, I have no, I have not had a baby myself. I have.

Speaker 4:
[69:14] Abortion? Starbucks is bullsh** 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. 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 Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10% off your order at gamersubs.gg. Or click that link in the description below. Type in code Caleb. Hammer Elite is the best YouTube membership on the platform. And I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.

Speaker 5:
[70:12] Whoa, no, no, no, no, I did not do that. No, I did not. I've never done that before. I don't plan on that. I just like...

Speaker 4:
[70:19] You're just giving very weird signals right now.

Speaker 5:
[70:21] Oh, well, because I don't have like a human kid.

Speaker 4:
[70:25] With the baby that I met in the green room?

Speaker 5:
[70:26] Yeah, I mean, I have her.

Speaker 4:
[70:28] Where is he? Where is he? Is she? She is very cute. Here, audience, I met her. Yeah, she's very cute. We do have a child in the studio today. And she's a beautiful girl. And this honestly makes sense because most people that I know that are just like only reptile owners are the most people. Like they're actually, they got like brain mush.

Speaker 7:
[70:51] But I never actually thought I would be a reptile owner.

Speaker 4:
[70:54] And then they accidentally kill it by like smashing it or something.

Speaker 5:
[70:59] Oh my god, I would never do that.

Speaker 2:
[71:00] I know my friend.

Speaker 4:
[71:02] My girl, my sweet princess.

Speaker 5:
[71:06] Her name is Santana.

Speaker 4:
[71:08] Hello Santana, my sweet girl. Okay, you can hang out. So this will take 18 years to pay off, which is... And that's if you only do minimum monthly payments only without any purchases of what you are incapable of because you are going to have to eat at least every other day at minimum every other day, at minimum.

Speaker 3:
[71:31] Yeah.

Speaker 4:
[71:32] Sorry for yelling, princess.

Speaker 5:
[71:33] I'm loud a lot, so she's good. You can yell as much as you want.

Speaker 4:
[71:36] Yeah, but she at least knows it's coming from like noises when you yell.

Speaker 3:
[71:39] Oh, I don't yell like that.

Speaker 4:
[71:47] Yeah. Oh, yeah. Oh, yeah. Oh, she just.

Speaker 5:
[71:53] She's starting to shed.

Speaker 4:
[71:54] Yeah.

Speaker 5:
[71:55] Her tail starts first.

Speaker 4:
[71:57] They're so good.

Speaker 5:
[71:59] My kids will meet her. They lived for like 20 years. She's like three or four right now.

Speaker 4:
[72:04] And who are you having kids with?

Speaker 5:
[72:06] Hopefully somebody, hopefully a man.

Speaker 4:
[72:09] Can it?

Speaker 5:
[72:10] Hopefully. Who's my husband?

Speaker 4:
[72:12] I highly doubt you accept women.

Speaker 5:
[72:15] Oh, no. Oh, sorry. I love women. I think they're beautiful. I don't swing that way.

Speaker 4:
[72:24] So I think that you are going to pathetically go back to the cheater, unfortunately.

Speaker 5:
[72:32] Yeah.

Speaker 4:
[72:33] Who is a fan of the show, allegedly, which I appreciate you. You don't seem to be the best at relationships and staying loyal to a woman. But again, that is 18 years if you do not purchase. So you are incapable of not purchasing.

Speaker 5:
[72:45] Yeah.

Speaker 4:
[72:46] So this will be longer than 18 years.

Speaker 5:
[72:48] Well, but here's the thing is I'm hoping, not hoping, I'm working on making my income go up.

Speaker 4:
[72:53] So shut the f*** up. This isn't an income issue.

Speaker 5:
[72:55] Yeah, it is.

Speaker 4:
[72:55] No, no, no, no, no, no, no. Girl, you just spent literally hundreds of dollars going out to eat.

Speaker 5:
[73:00] But when I was making ten thousand dollars a month, I was able to pay my credit card off monthly. You can leave her. She probably won't move now.

Speaker 4:
[73:07] No, I'm getting her off the paper.

Speaker 5:
[73:07] Oh, sorry, sorry.

Speaker 4:
[73:08] And then on here, it says it's a more door dash from a different month than CVS and Amazon. Pull up your Amazon. Interest accruing. Surprisingly no late payments on there.

Speaker 5:
[73:20] See, I'm good at it.

Speaker 12:
[73:21] She has crickets, right?

Speaker 5:
[73:22] Not so much anymore. As they get older, they become more herbivore. Oh, really?

Speaker 4:
[73:26] She's just eating plants?

Speaker 5:
[73:27] Not only, but mainly, yeah.

Speaker 4:
[73:29] What does she eat?

Speaker 5:
[73:30] Well, so sometimes I have like a freeze dried thing and I'll give her, it's freeze dried mealworms, crickets and grasshoppers.

Speaker 4:
[73:35] Are you sure she actually likes this? How would we know?

Speaker 5:
[73:39] So when she's just like not happy, she like is usually attempting to run away, but then also like this part of her belly gets black.

Speaker 4:
[73:47] I feel like there's in between happy and not happy. Well, how do we know she actively enjoys it? Because I want to pet her if she likes it.

Speaker 5:
[73:55] No, and she does like it. So this is what I'm trying to tell you. So this part of her chin right here, like she's showing you. This part would turn black if she starts to get agitated.

Speaker 4:
[74:05] Well, it is right there.

Speaker 5:
[74:07] Well, no, but that's why I'm saying the whole bottom of her chin would turn this color black if she was agitated. And it's different levels of it. So when she's like...

Speaker 4:
[74:17] So what, she eats crickets and plants now?

Speaker 5:
[74:18] Yeah, mainly plants. She loves zucchini.

Speaker 4:
[74:20] This is the autistic section.

Speaker 5:
[74:21] She loves carrots, make her poop stink, but...

Speaker 4:
[74:25] Yeah, that's why I couldn't have these kind of creatures. I love them, but I just don't... The whole cage maintenance.

Speaker 5:
[74:30] Last three months or do you want... Yeah, last three months, do you want? Well...

Speaker 4:
[74:35] Yes, just give me your Amazon.

Speaker 5:
[74:36] Sorry. You scared her.

Speaker 4:
[74:39] Well, that's her problem for being an animal on this show.

Speaker 5:
[74:41] I know, I hadn't eaten...

Speaker 4:
[74:42] I love her, but I do got shit to do. Tanning cream. Yeah, I see it. Okay. You have a bunny cage?

Speaker 5:
[74:52] No, that was my face wash.

Speaker 4:
[74:54] You have a...

Speaker 5:
[74:55] It's a skincare line.

Speaker 4:
[74:56] You have a bunny cage?

Speaker 5:
[74:58] No, I bought it for her.

Speaker 4:
[74:59] Just licked you.

Speaker 5:
[75:00] Yeah, that's how she like explores. Okay. So, that little cage thing...

Speaker 4:
[75:06] Brandon will let you explore him like that later.

Speaker 5:
[75:12] So, I bought that little thing for her. So, when I take her out on my patio...

Speaker 4:
[75:16] I don't care.

Speaker 5:
[75:17] I don't have to worry about her running off the edge.

Speaker 6:
[75:19] You got her from a big box of variety snacks.

Speaker 5:
[75:22] That was Dylan's...

Speaker 4:
[75:23] Oh, this is...

Speaker 5:
[75:24] There's so much......present. I bought him a...

Speaker 4:
[75:26] Who?

Speaker 5:
[75:27] My ex.

Speaker 6:
[75:27] I sent him a...

Speaker 4:
[75:28] Oh, for f***'s sake.

Speaker 6:
[75:29] What a f***.

Speaker 4:
[75:30] You don't have money. Dishwashers save chopsticks. Dishwashers don't need chopsticks, though. This is the thing. You don't need that to survive. Soothing cream? F***ing soothing cream.

Speaker 5:
[75:38] That's skin care still.

Speaker 4:
[75:39] Stop! I don't care. Shape shelves? You don't f***ing need it. Clothes that I guarantee you don't need, because you probably already have shit. Yoga mats, multiple.

Speaker 5:
[75:48] Well, one's a towel.

Speaker 4:
[75:48] A ball pillow. You don't need a ball pillow.

Speaker 5:
[75:51] I treated myself.

Speaker 4:
[75:52] The f***ing outfit of a dominatrix whore.

Speaker 5:
[75:55] Oh my gosh. It's getting returned.

Speaker 4:
[75:57] You decided not to be a dominatrix whore any longer?

Speaker 5:
[75:59] No, the shorts were too big. It was like a western thing, not a dominatrix sign.

Speaker 4:
[76:04] Whore.

Speaker 5:
[76:06] Well, at least it's getting returned.

Speaker 4:
[76:07] Yeah, you could use a little bit of whoring in your life. Because you're about to go back to a cheater, which is insane. Which is, like, why the f*** is that acceptable? That owed to parents $35,000!

Speaker 12:
[76:17] For f***ing what?

Speaker 4:
[76:18] That is insane! That is disgusting! That is unacceptable! Why? At $22,000? What the f*** is wrong with you?

Speaker 5:
[76:23] They helped me open my business. And pay for school. They laid out the money.

Speaker 4:
[76:28] If you were making $80,000 a year, you animal, why was this not paid off? You selfish beast!

Speaker 5:
[76:34] Yeah. Well, yeah.

Speaker 4:
[76:36] What a response.

Speaker 5:
[76:37] I was paying like $500 a month when I was working.

Speaker 4:
[76:40] Remember when you said he runs away if he's not happy? He's trying to run away.

Speaker 5:
[76:43] Well, he's probably trying to explore the table. Because he was like...

Speaker 4:
[76:46] So what is it? Run away or explore?

Speaker 5:
[76:48] Well, when she's got her tongue out, it's exploring. But if she's black and... She licked me, remember?

Speaker 4:
[76:54] Yeah, like five minutes ago.

Speaker 5:
[76:56] But well, she did it again after you said that.

Speaker 4:
[76:59] Why did you not pay them back? Pathetic creature.

Speaker 5:
[77:01] I've made payments on it, and I paid them 5,000 out of the number that I got from selling the business.

Speaker 4:
[77:07] 500?

Speaker 5:
[77:08] 5,000. You sold the business? Yes, I sold the trailer. The business itself didn't, like the clientele didn't get sold. But why? Because I wasn't able to take it. In my logical mind, I couldn't take the trailer.

Speaker 4:
[77:24] You do not have a logical mind. She's more intelligent than you. How much did you sell the trailer for? That would have cost 80,000 hours to build out, allegedly.

Speaker 5:
[77:34] I don't really remember. I think it was like...

Speaker 4:
[77:37] Girl, this was a couple years ago. Shut the f*** up. Tell me how much you sold it for.

Speaker 5:
[77:41] Well, I think it was like 20, but I'm not really sure.

Speaker 4:
[77:44] 20,000?

Speaker 5:
[77:44] Yeah, but...

Speaker 4:
[77:45] And you gave your parents 5,000?

Speaker 5:
[77:47] Well, so I think it was less than 20, because I don't think we made our money fully by... So I thought I had paid some debt offer.

Speaker 4:
[77:54] I'm calling your dad in the post show. I'm calling your dad in the post show. And I'm going to tell him what you're spending is like today, and how you're f***ing your finances today instead of paying it back, because it is disgusting and selfish.

Speaker 5:
[78:03] Well, I know...

Speaker 4:
[78:04] You haven't made a payment to them since you moved to Texas. When did you...

Speaker 8:
[78:06] We all want to know, What makes people tick?

Speaker 5:
[78:09] How will they make decisions?

Speaker 8:
[78:10] Handle feedback. And work as a team. The Predictive Index Behavioral Assessment reveals how employees actually think, work and thrive, like how Marcus fits in a role with structure, and Margot's strength is collaborating with others, because when we understand each other, work just works. Take the Behavioral Assessment today at try.predictiveindex.com.

Speaker 4:
[78:36] You moved to Texas?

Speaker 5:
[78:37] Last June.

Speaker 4:
[78:38] And why did you pick Dallas?

Speaker 5:
[78:40] Um, well, because I just, I don't know, I've never been to Texas before I moved.

Speaker 4:
[78:45] But why did you pick Dallas? There's a lot of black people there. You hate them.

Speaker 5:
[78:48] I don't hate black people.

Speaker 4:
[78:49] You say they're chopped.

Speaker 5:
[78:51] She's chopped. Again, she could have been white, she could have been anything. She was still chopped. Her skin color doesn't matter. There are very beautiful African American women in the world.

Speaker 11:
[79:02] Okay.

Speaker 5:
[79:03] She was not one of them.

Speaker 4:
[79:04] So cope.

Speaker 11:
[79:05] Ooh.

Speaker 5:
[79:08] I mean, again, she could have been white, she could have been anything. If you're ugly, that's a fact.

Speaker 4:
[79:12] So you're not on a minimum monthly payment to your parents, obviously.

Speaker 5:
[79:14] Not anymore, no. I was paying my...

Speaker 4:
[79:16] Yeah, because you moved here and decided you wanted to have fun again.

Speaker 5:
[79:18] No, well, yeah.

Speaker 4:
[79:19] Yes, that's what you do. That's where all your money goes.

Speaker 5:
[79:21] Yeah, because I was trying to make my quality, I felt like my quality of life should be better. See? No, she won't bite you. So this is what she does when she wants to like explore, but if she was running away, distressed, not liking the exploration, her whole belly, like her whole underneath would be black. Does that make sense?

Speaker 4:
[79:42] Yes, I'm not like you.

Speaker 5:
[79:44] Well, you're not responding.

Speaker 4:
[79:46] But I'm listening. Sometimes it's okay to just listen.

Speaker 5:
[79:49] But then how do you know if someone hurt you?

Speaker 4:
[79:52] Okay, there's something in here. There was a car loan I saw.

Speaker 5:
[79:55] Yeah, that's connected to Capital One, but it's probably over.

Speaker 4:
[80:00] I don't see it.

Speaker 5:
[80:01] Well, oh, you don't have it.

Speaker 4:
[80:03] Oh, I guess it came after. I mean, we can look at your check in account first. Okay, what do I see here? Zero dollars. Right. The exact same amount of money that went in went out because you just transfer. Oh, are you kidding me? So all that money we saw spitting out of the credit card. When I said she eats out every other day, that's not true. She then eats out the same amount in here. Cowboy's Red River, Escapade, Escapade, Uber Trip, Cow Town Coliseum, Cow Town Coliseum, Cow Town Coliseum.

Speaker 5:
[80:34] We went to the rodeo.

Speaker 4:
[80:35] We? Shut the up. We? I don't give a shit.

Speaker 5:
[80:37] Stop.

Speaker 4:
[80:37] Shut the up. Uber Trip, Walmart, is selling out money. Cash app, sending out. Who are you sending cash app money to? Who are you sending cash app money to?

Speaker 5:
[80:49] I got scammed through Bitcoin.

Speaker 4:
[80:51] And you don't think you're getting scammed with the African Child?

Speaker 5:
[80:54] No, no, no, no. It's a very reliable website.

Speaker 4:
[80:58] Longhorn Ice House. I think I almost went there, but I didn't.

Speaker 5:
[81:01] I deleted it.

Speaker 4:
[81:02] Okay, Walmart, going inside, getting some bullshit. Crumble, TJ Maxx, going inside, what are you going inside the gas station getting $4.32?

Speaker 5:
[81:12] Probably a snack.

Speaker 4:
[81:14] What do you get?

Speaker 5:
[81:15] Like a Twix bar or something, because I don't do energy drinks.

Speaker 4:
[81:19] That's okay. That's fine.

Speaker 5:
[81:21] Or coffee.

Speaker 4:
[81:21] Well, you don't need to do energy drinks.

Speaker 5:
[81:23] I know, I tried the gamer subs. It's amazing.

Speaker 4:
[81:28] But this is an energy drink. This is the hydration version. So this is electrolytes. Oh, no energy. This is caffeine free. So here you go, because there are caffeine free versions for the electrolyte versions of the drinks. Get your free samples to figure out what flavor you like. Type in and go to Caleb at gamersubs.gg. Link in the description below. Not a scam. And then figure out what flavor you're liking. It's 40 cents a serving.

Speaker 5:
[81:52] Are the cans the same prices? Are they still serving size?

Speaker 4:
[81:55] No, but if you get them like that, where you make it yourself, that's where it's cheaper.

Speaker 9:
[81:59] Get business done with the new American Express Graphite Business Cash Unlimited Card. With unlimited 2% cash back on all eligible purchases, unlimited 5% cash back on flights and prepaid hotels booked through American Express Travel Online, and a flexible spending capacity that can grow with your business, you'll have the confidence to keep building. Apply today and earn a welcome offer of $1,500 cash back after you spend $50,000 in qualifying purchases on your new card within the first six months of card membership. Terms apply. Learn more at go.mx slash graphite.

Speaker 4:
[82:29] DT Max, get in some bullshit. Sheen, that's doing a lot of heavy lifting. Amazon, bullshit, bullshit. Amazon Prime. Ben moving out money. Benihana, In-N-Out, Fashion Nova. Apple Cash, Rock'em, selling out money. Chipotle, bullshit, Reservoir, bullshit. Samus Forrest Cash App again. Texas Nail Bar, not worth it. Auto Statement. Okay, what's your car?

Speaker 5:
[83:02] About 300. It's like 289.

Speaker 4:
[83:06] What is your car? You moron. What kind of car do you have, you freaking freak?

Speaker 5:
[83:12] It's a 2018 Audi A4.

Speaker 4:
[83:15] What are you doing with that?

Speaker 5:
[83:17] Driving it.

Speaker 4:
[83:18] Isn't that a nice car?

Speaker 5:
[83:19] Yeah, it is.

Speaker 4:
[83:20] It's worth $9,500. You owe $13,831.45.

Speaker 5:
[83:25] I knew I was under water.

Speaker 4:
[83:26] Minimum monthly payment, $295.72.

Speaker 5:
[83:29] It's because it has really high mileage. What's the interest rate? Nine point something.

Speaker 4:
[83:33] That's not good. What's the mileage?

Speaker 5:
[83:35] Over 100,000 miles. Why did you buy this?

Speaker 4:
[83:39] After you totaled that last car.

Speaker 5:
[83:41] It was the cheapest car on the lot that I could find.

Speaker 4:
[83:43] Go to a different lot, you dumb. Weren't you in Dallas? You know what places have a lot of lots? Texas cities. There are car dealerships every five minutes.

Speaker 5:
[83:54] I know. So here's the thing, though. I ended up getting a really good deal on this car.

Speaker 4:
[83:58] No, it's at a 9% interest rate of death. And you are underwater. You did not get a good deal. It's at 100,000 miles.

Speaker 5:
[84:06] I know, but they cut a couple thousand off of the price.

Speaker 4:
[84:09] Girl, from their price, not the real price.

Speaker 5:
[84:12] They gave it to me for what they owned the car for. My friend works there.

Speaker 4:
[84:17] Oh my goodness.

Speaker 5:
[84:18] She helped me get the deal.

Speaker 4:
[84:19] I can't break through. I can't break through. There's no breaking through. Girl, you're lost. Good luck in the rest of life.

Speaker 11:
[84:25] I'm going to do great.

Speaker 4:
[84:26] No, you're not.

Speaker 5:
[84:27] Get back with the cheater. Get back with the cheater.

Speaker 4:
[84:30] Good luck. He's going to knock you up. He's going to knock you up.

Speaker 5:
[84:33] He's not.

Speaker 4:
[84:34] How do you know?

Speaker 5:
[84:34] Because...

Speaker 4:
[84:35] You're on birth control?

Speaker 5:
[84:36] No, and I probably never will be. There's other forms of birth control.

Speaker 7:
[84:41] What?

Speaker 5:
[84:42] Abstinence.

Speaker 7:
[84:44] Oh, Oh, they're so...

Speaker 4:
[84:48] She's going to come back with 10 children.

Speaker 7:
[84:50] Oh, no.

Speaker 5:
[84:51] Hopefully a wedding ring if I come back with 10.

Speaker 7:
[84:53] Yeah, with a cheater.

Speaker 4:
[84:54] Pathetic. Okay, 4.5% interest rate for some loan that is $12,206.09.

Speaker 5:
[85:01] That's school, college. I went to Iowa State for like two years.

Speaker 4:
[85:06] Of course you did. Okay.

Speaker 5:
[85:08] I wanted to be a veterinarian.

Speaker 4:
[85:09] You belong in the corn, and I'm glad you're not, because I want my animals to stay alive when there's issues happening.

Speaker 5:
[85:13] I'm good with animals.

Speaker 4:
[85:15] You're good at being nice to them.

Speaker 5:
[85:17] That's really all you have to do to them.

Speaker 4:
[85:19] What's darker? His scales or her arm hair?

Speaker 3:
[85:22] Oh my gosh, I should have worn long sleeves. Holy shit.

Speaker 5:
[85:27] You have arm hair too, all right?

Speaker 4:
[85:29] Yes, I do. A man, that's weird.

Speaker 5:
[85:33] Well, whatever.

Speaker 4:
[85:35] Usually tradwives just don't have arm hair, and I know you want to be a tradwife.

Speaker 5:
[85:38] So do you want me to start shaving my arms?

Speaker 4:
[85:40] You're not going to be my tradwife.

Speaker 3:
[85:44] Sounds like you don't want a tradwife. Yeah, do you know how expensive that is?

Speaker 4:
[85:48] Yeah, you better go get a man that doesn't shave. That makes good money.

Speaker 5:
[85:50] I'm going to reopen my business and just make...

Speaker 4:
[85:52] Yeah, after you borrow $80,000. Remember, that's how this story ends. She borrows $80,000.

Speaker 5:
[85:57] Those vans are worth $150,000. I have to quadruple my debt.

Speaker 4:
[86:02] Minimum fee payment $91.55. Okay, here's the mojila.

Speaker 5:
[86:05] Yeah.

Speaker 4:
[86:07] Okay, them together is $4,430.07. Minimum monthly payment $54.68. Okay, that's not horrendous. I'm sure it's low rates.

Speaker 5:
[86:23] Yeah, well, I don't know the rates, but I know the payment isn't that bad.

Speaker 4:
[86:28] Abstinence only?

Speaker 5:
[86:29] Well, no, I mean, obviously, there's like more if you're going to...

Speaker 4:
[86:32] What?

Speaker 5:
[86:32] Well, condoms.

Speaker 4:
[86:33] Okay, did you guys always wear condoms?

Speaker 5:
[86:36] Not when we were active.

Speaker 4:
[86:43] Yes, you are going to get pregnant.

Speaker 5:
[86:44] She likes you, I think.

Speaker 4:
[86:46] It's cause I'm making lots of noises, huh? You wanna lick me? Yes, you do, hello. Do I taste good? I'm sorry, your mother is...

Speaker 5:
[86:58] Okay. Oh, or she might, she might shit.

Speaker 4:
[87:02] Okay, well put her away then.

Speaker 5:
[87:03] Yeah, okay. Sometimes she gets like really active when she has to poop, cause she doesn't wanna poop where she hangs out.

Speaker 4:
[87:11] $2,099 in this account, down from $2,300, annual sharpening?

Speaker 5:
[87:18] Yeah, cause I need to get my scissors sharpened for work and like my blades and stuff.

Speaker 4:
[87:23] Okay.

Speaker 5:
[87:24] But that came out of my business account.

Speaker 4:
[87:27] Oh, good, she has a business account.

Speaker 5:
[87:28] Well, yeah, I have a whole lot to see.

Speaker 4:
[87:30] Robin Hood, $6,000, I don't know, in what?

Speaker 5:
[87:33] I don't know.

Speaker 4:
[87:33] Pull up your Robin Hood.

Speaker 6:
[87:36] It almost got scanned.

Speaker 4:
[87:40] Poor, trad guy that ends up with the... Actually, no, a lot of trad guys.

Speaker 5:
[87:44] I'm great. I'm a good cook. Like, I clean.

Speaker 4:
[87:47] You want to be actual super trad.

Speaker 5:
[87:49] Yeah.

Speaker 4:
[87:49] You just want to cook and clean and like take it.

Speaker 5:
[87:51] And pop out babies. Yeah. Yeah. And like, I want to have my business up and running, so it's self-sufficient.

Speaker 4:
[87:57] Isn't that what you want, Brandon?

Speaker 5:
[87:58] So when I like, when I go, when I do get pregnant, my business is fully self-sufficient and I just bring in income.

Speaker 4:
[88:04] Yeah, you're ruining it with your business thing.

Speaker 5:
[88:06] I'm just delaying it.

Speaker 4:
[88:08] Okay. She just has it all in JP Morgan's stock.

Speaker 5:
[88:13] Oh, yeah, because I didn't know what else to put it in. And I felt like I used Chase as a bank. So JP Morgan and Chase Bank, right? Oh, is that wrong? What do you think I should do with it?

Speaker 4:
[88:27] And here's the CD of $10,000. That's also just stupid. I don't really see the point.

Speaker 5:
[88:30] That's all my small business startup. So that's that total, like, $18,000.

Speaker 4:
[88:35] And you owe them.

Speaker 5:
[88:36] No, because then I wouldn't be able to open my business again. And I want to do that in the year, in this year, in 2026.

Speaker 4:
[88:41] And borrow $80,000?

Speaker 5:
[88:43] I can't borrow $80,000 without some sort of down payment.

Speaker 4:
[88:46] Chat, we are so f***ing cooked. This account down from $1,000 to $75,000. No, you're not. And that's your transfers.

Speaker 5:
[88:52] You'll see. I'm going to prove it to you.

Speaker 4:
[88:53] OK, please do. But usually in order to do that means you have to do the bad thing in order to do it.

Speaker 5:
[88:58] What bad thing?

Speaker 11:
[89:00] Borrow the money.

Speaker 5:
[89:01] Well, yeah.

Speaker 4:
[89:02] This time not from someone as forgiving as your parents.

Speaker 5:
[89:04] Well, yeah. I'm going to borrow it from a real bank.

Speaker 4:
[89:05] Yeah, that's bad.

Speaker 5:
[89:07] Oh, well.

Speaker 4:
[89:08] Because your parents are letting you not pay the minimum right now because they're flexible. Because life happened.

Speaker 5:
[89:13] Yeah, because I'm not making enough money yet.

Speaker 4:
[89:19] $3,000.

Speaker 5:
[89:21] It's an income issue. Oh, yeah. She's got to poop.

Speaker 4:
[89:28] Let her drop those dumps then. I have no problem with it. Okay. Minimum the debt payments, $528.95. What is your rent?

Speaker 5:
[89:39] I have $1,350.

Speaker 4:
[89:41] And all utilities combined plus internet?

Speaker 5:
[89:47] $200. Okay. Because I pay 50 between $40 and $50 for utilities through the apartment complex, and then I pay about $52 for internet, and then I pay between $120 to $160 for electric. But I think I'm getting screwed over by my electric company.

Speaker 4:
[90:07] You're probably f***ed regardless. $220. Okay. Phone bill and car insurance combined you give to your dad. How much is that again?

Speaker 5:
[90:13] $225.

Speaker 4:
[90:15] Okay. Gas, vroom, vroom, drive, drive. How much?

Speaker 5:
[90:20] $75 every two weeks. So is that $150 a month?

Speaker 4:
[90:26] How much?

Speaker 5:
[90:27] About $75.

Speaker 4:
[90:28] A month?

Speaker 5:
[90:29] Every two weeks. So let's say like $150, $160 a month. Yeah, yeah, yeah. Sorry.

Speaker 4:
[90:35] Okay. Necessary food $300. Use the meal plan. Make sure you get it by signing up for the annual version of DollarWise.

Speaker 5:
[90:40] Yes. I actually spend $50 a week on groceries.

Speaker 4:
[90:44] Okay. $300. You go out to eat every day. That's how the math works. $100 for everything else you need, including your morning after pills that are definitely going to be needed.

Speaker 11:
[90:55] Oh my gosh.

Speaker 4:
[90:57] Medical health care. How much on a copay basis? Why not?

Speaker 5:
[91:00] I think my copay is only $15, but I'm on my parents' health insurance and everything. I'm on my parents' health insurance.

Speaker 4:
[91:08] About $50 a month?

Speaker 5:
[91:09] $15 for a copay. If I go to the doctor, they'll...

Speaker 4:
[91:12] How often do you go? What about medications and shit?

Speaker 5:
[91:15] I pay $20 every three months for medications.

Speaker 4:
[91:18] Okay. You just put it in then. I'm just going to put $5. Is there a gym?

Speaker 5:
[91:23] Yes.

Speaker 4:
[91:23] How much?

Speaker 5:
[91:24] Like $30.

Speaker 4:
[91:25] Good. How much for pet food, pet care, all that stuff for him?

Speaker 5:
[91:30] Super. Oh, shush.

Speaker 4:
[91:32] Just how much?

Speaker 5:
[91:33] I don't really spend a lot, probably $20 a month.

Speaker 4:
[91:36] Is it stinky?

Speaker 5:
[91:38] No, but I just look down and she's shit. Well, I might be stinky. Proud of her.

Speaker 4:
[91:43] Anything else that needs to be in the budget?

Speaker 5:
[91:45] Um, well, not necessity, I don't think.

Speaker 4:
[91:51] Is that freaking out about the animal? Oh, subscriptions. I'll put 40. Why? She pooped. Isn't that what the cage is for?

Speaker 5:
[91:57] Well, yeah, but it's her travel cage. I don't want her to like sit in it.

Speaker 4:
[91:59] You didn't think she was going to poop in her three hour drive, down three hour drive up and three hours here?

Speaker 5:
[92:04] She didn't shit on her 24 hour drive from Jersey to Texas.

Speaker 4:
[92:07] Well, you've been feeding her. Well, you're basically break even. Listen, it's $2,918.95 and I'm sure we're missing some shit. And you make $3,000 a month. So here's the reality. You are not going to be able to pay off your debt, especially with your mindset. You're going to go into more debt in order to open this business and get the on all that shit.

Speaker 3:
[92:23] But it's proven to be successful.

Speaker 4:
[92:25] You're not going to pay in a different place with the generosity and flexibility of your parents. Now you're going to have a minimum payment of this loan that is going to be tied to something, most likely. Good luck. But either way, it doesn't matter. Here's the reality. Go make an extra $1,000 a month by working another job or by working more hours there, getting more clients, posting social media more, if that's what you need to do. And when you do that, you will be able to pay off your bad debt in less, well, actually, okay. You'll be able to pay off your Quicksilver card in a couple of months and then honestly just use the, it used to be called the Fizz card. Now it is the Mind card. Use that. Debit card that builds credit only allows you to spend on your checking account. Stop using the Quicksilver. I'll get you a accounting certification from Course Careers that'll help you run your business. And I want you to see if you can start small instead of borrowing so much. Get rid of debt before you go into this thing, because you're just going to accumulate so much risk and it makes no sense.

Speaker 5:
[93:21] Can I ask you a question about that though?

Speaker 4:
[93:23] Yes.

Speaker 5:
[93:23] So I know you're not in support of this small business loan, but so to get the small business loan, I need to have a certain number of lines of credit open. So I was under the impression.

Speaker 4:
[93:33] I'm not saying close any.

Speaker 5:
[93:34] Well, but if I pay it off.

Speaker 4:
[93:36] It's a line of credit still.

Speaker 5:
[93:37] Even if it's as zero?

Speaker 4:
[93:38] Just put your gas on it, dude. You'll be fine.

Speaker 5:
[93:40] But that's only one line of credit is the credit card. Aren't the car loans and those aren't those technically lines of credit?

Speaker 4:
[93:47] You can even touch it. But even still, it doesn't matter.

Speaker 10:
[93:50] She was getting close to your foot.

Speaker 5:
[93:52] Sorry.

Speaker 4:
[93:52] Oh, she's that one. I didn't know that. I almost crushed her. Listen, I don't know. I honestly don't believe anything good is going to happen here. So whatever. But listen, you just have to go make more money and then you can pay off debt. I was just the smallest large sales paid off. Minimum payments and student loans until it's done. Same with the parents. You just got to treat them with respect before you get more debt. And I think this business thing is stupid. But whatever, guys, I'm going to do the Hammer Financial Score First, make sure you join us for the post show. It's going to be good. I'm going to call her dad and confront her. And also... Oh, no. Delilah went to jail? What the f**k? We will learn about that. What the f**k? Okay. What the f**k? Okay. Spending money in a budget you overspent zero out of 10. Debt, no collections. Your parent dad, that's not great. It's going to be a two out of 10. Emergency fund, nothing really. A CD, it kind of works. I'll give you a five out of 10 there. Retirement, 22. You're not expected to have too much at this point. Shut the f*** up. Shut the f*** up. And the Chase thing is a decent start. I'll give you a two out of 10. I'm just being generous. Real estate, zero out of 10. You need to learn to shut the f*** up. Like a good trad wife. Yes, sir. You don't have to call me sir. I'm not looking for trad. I don't give a f*** about that shit. That's not me. Brandon would like it. I like a woman who can speak out. Gives me an excuse to hit her. That's a 2 out of 10.

Speaker 5:
[95:14] Did I not just speak out? I feel like I'm hittable. Like, by the way that I speak.

Speaker 4:
[95:17] I was making a joke. Guys, we have a lot to talk about in this post. So make sure you join Hammerly. It's incredible. Best membership on YouTube. And premium shows every single day. Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. See you there. Call your dad. Right now? Right now. Hey, I want to talk to you about this debt that your daughter owes you of $35,000. Yeah. Yeah.

Speaker 11:
[95:38] When can I get paid?

Speaker 4:
[95:39] That feels like a betrayal to me, honestly.

Speaker 11:
[95:42] How do I go about kicking my money back?

Speaker 9:
[95:43] Because that's my retirement.

Speaker 8:
[95:45] Zell Venmo Cash.

Speaker 11:
[95:46] Talk about being taken advantage of, right?

Speaker 4:
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