The Biggest VA Scammer In Financial Audit History

The video features an individual named Ducks, a 29-year-old from San Antonio, Texas, appearing on "Financial Audit" with host Chris Hansen. Ducks claims a 80% disability rating from his time as a cook in the army, primarily for PTSD, anxiety, depression, and back issues, along with tinnitus. He receives $2,100 a month from the VA, which he states was supposed to cover his cybersecurity degree, but now he owes the school $6,000 because the VA has stopped payments. He is currently only taking one class per semester, which Hansen points out will take decades to complete. Ducks admits he quit his job at Domino's due to insufficient hours and a recent business-to-business sales job after only two hours of training. Hansen expresses concern about Ducks' apparent lack of work ethic and his excessive use of Discord, spending an average of 17 hours a day on his phone, with significant time dedicated to gaming (10-15 hours daily) and Discord. Ducks' screen time reports reveal an average of 16 hours and 20 minutes on his phone daily, with 17 hours and 7 minutes on Apple Maps in one week, and 24 hours on Apple TV the previous week, claiming he used his phone as a remote. He also spends significant time on Discord (up to 22 hours), TikTok (9 hours), and various games like Warframe, Smite, and Skyrim, totaling hundreds of hours. Ducks' primary motivation for appearing on the show, beyond financial audit, is his plan to leave the United States and move to Southeast Asia, specifically the Philippines, due to a desire for a cheaper cost of living and dissatisfaction with American women. He describes American women as "boss bitches" who expect men to have six-figure incomes, a standard he clearly does not meet. He expresses interest in finding a Filipina woman for less than $200 a month to "cook clean and take care of the house," a statement Hansen finds problematic and bordering on transactional. Ducks also reveals he has a current girlfriend but is dissatisfied because she only allows "two thrusts" during intimacy, calling it "blue balling." He describes her as a "one out of ten" and "one of the ugliest people I've ever seen in my life," comparing her to Tammy from "1000 Pound Sisters" before weight loss. Ducks' financial situation is dire. He has over $15,700 in collections, including $2,249 for cell phone bills where he would switch carriers and stop paying, and $5,930 for unpaid rent due to damage caused by puppies from a pregnant dog he acquired unexpectedly. He also has a $17,000 car loan for a 2024 Chevy Malibu at $410 a month, with an unknown interest rate, and insurance costing $175,000 annually. He admits to having taken out payday loans and is in student housing with his lease up in July, facing potential homelessness with his two dogs. His checking account ended with only $73 after starting at -$497, with numerous overdrafts and charges for non-essentials like energy drinks, fast food, and subscriptions, despite his VA disability income. Hansen criticizes Ducks for his lack of personal responsibility, his inability to hold down jobs, and his reliance on disability benefits without actively seeking employment or pursuing his education seriously. He points out that Ducks' desire to increase his disability rating to 100% is purely for financial gain to support his lifestyle of gaming and potentially moving abroad. Ducks admits he is trying to get his disability rating up for "better finances." The episode highlights Ducks' inability to manage his finances, his self-sabotaging behavior in relationships and employment, and his escapist fantasies of moving to the Philippines. Hansen concludes that Ducks is a "pathetic loser" who needs to develop basic life skills, personal responsibility, and confront his issues rather than seeking superficial solutions. He emphasizes that Ducks' problems are not due to his introversion, communication skills, or PTSD, but rather his unwillingness to work, his excessive gaming, his inability to manage relationships, and his refusal to make difficult but necessary sacrifices, such as selling his unaffordable car. The episode also touches upon broader societal issues like the "gender wars" and the red pill community, suggesting Ducks might be influenced by these online narratives due to his isolation and dissatisfaction.