$100,000+ Incomes Stealing Government Assistance | Financial Audit

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25:55After three, every order of liquid assets will also come with up to six free gifts, stacking up to six times. 3 p.m., link in the description to get on the wait list. They say, now I don't find this. And when I say they, I'm talking about like doctors. They tell you now, if you can find the baby, you can feed the baby. I don't follow that rule, but I do like, like the alcohol, the amounts that it will seep in to your breast milk is like non-existent. So there's breast milk strips that you can get. You dip them in your breast milk and they tell you if there's alcohol present. So I bought a box of those.

26:33And as long as those were good to go, I was good to go. That's crazy. You're fucking crazy. I mean. So what'd you blow that time? They say pump and dump is just for your comfort, okay? Like you're just trying to release your engorged titties. And like I said, I didn't blow. And a lot of times they'll get a. The second one you didn't either? I didn't blow the second time either. Are you on probation again? Not yet because the case, we haven't gone to court or anything. Oh my. Right now, I am literally just... What is wrong with you? Right now, I'm out on bond on my own recognitance with this breathless.

27:04How drunk were you? Way too drunk to be driving. Not drunk enough to black out, which is... Oh, great. That's good. That's good for me. That's good for an addict. But definitely too drunk to be behind the wheel. So why are you drinking, you dumb whore? At this point, I mean, even... Like I said, I'm seven days sober. Before that, I had quite some time. I was just like, I want to drink before I get this breathalyzer test. I'm not going to be able to drink again. So I want to drink one more time. There's two kids since the first one. Why are you having kids with that? Because it's not always, it wasn't always like this.

27:41No, but you've had two kids since the first one. Right. She wasn't always like this with the alcohol. But you've had two since the first one. The DUI. Yeah. She didn't drink. She like stopped drinking after she got the DUI. How long? A long time. Yeah, a long time. A year, two years? Well, that doesn't add up for the one-year-old. Yeah. During my week. I would say when he was about six months old, I started drinking again, and it ramped up. Why? Why did you start drinking again? Honestly, it just started off as like a little weekend thing, and it ended as a stay-at-home mom, bored in the bathtub at the end of the night.

28:20Why are you bored if you're things to clean? I didn't say bored. What the fuck? Mute your f***ing phone, you dumb c***. Did you not listen to the instructions? If you got time to lean, you got time to clean, b***h. Damn right. True. Preach, brother. I'm trying. She's not listening. She don't listen to me either. It's crazy. One of your Snapchat f*** payers or whatever giving you this money? Oh, great. I guess we'll learn about that in the post show. Hammer elite. Okay, so what's the financial situation of this house? What does it look like? What's going on? What's going on with you guys? What are we talking about today?

29:01Because what a mess you guys are, to be clear. Yeah, it's pretty rough. This is, well, with the second DUI, we had the other one paid off, which was good. And then she got this one, and it's been since December. We just found out like a month ago that she's actually going to go to court. So then the lawyer fee was$5 ,000 for the second one. And for her to get the little blow majiggy thing that she's got, we had to speed up the process. So we had to pay the$5 ,000 like now, which came from her grandparents because I don't have$5 ,000. She definitely doesn't have$5 ,000. So how do the finances work in this house though?

29:49What do you mean? I make the money. You make the money. How does the spending, the budgeting, the communication, how does it go? Budgeting is basically non-existent. Communication is say, I like this, I want it. Budgeting is in my brain. I check my banking app to make sure I have cash. That's my budgeting. Why are you still with her? Is it the kids? It has to be. No, because when she's good, she's great. Yeah, but she's on her second W. Yeah, it's not good. Like, what the f***? Like, why are you? I would have walked. Okay, so, yeah. I've told her if this continues because literally talking to them a month ago she was still drinking like I have a text message saying hey I just got home from working 13 hours she's drunk right now like I'm getting sick of this and I'm getting ready to like I'm done so I even told her I came home one day and she was drunk again and I for the first time in our entire relationship I was literally on the brink of like I've never wanted to physically hurt her but I was like this is ridiculous like that's something you have to clarify well it's getting to that point it's getting to that to want to physically hurt yes absolutely i'm like i don't want to i don't i was like i don't know how to say this i was like but you're literally literally hurt no you're making me like despise you yeah like well yeah that's fine but why does that get to violence no i'm just saying like it's on the like i wasn't actually going to do it but like i wanted like it's just what is it it take to get through your head to stop doing this do i have to be You have four kids.

31:18You have a decent home life. You get to stay home and take care of your kids. I don't understand what's so bad, what's so wrong that you have to drown out every bit of existence with alcohol. I don't get it. I agree with you, but you are concerning me. The things that you're saying are kind of concerning. Especially when you look like a school shooter who got lost on the way to school, so still ended up making it to 34 without blasting one up. Bro, I look fresh. What are you talking about? So it's concerning that you felt the desire to put your hands on her? I mean, but I didn't. That's good for now.

31:54So it's good. Until she takes another little swig. Here's the other thing, too. When she gets drunk, it's not a good time. It's not pleasurable. It's not fun. It's like, oh, I take some alcohol, and let's dance and have a good time, and everything's fun and enjoyable. No, she's an asshole. She gets ignorant with me. She's rude to the kids. She gets ignorant with you? Yes. What's that like? Basically, it seems like anything that she has bottled up or doesn't say, then it just starts to come out, and it's like to the extreme. I don't know if that's ignorant. No, because it's mostly not true. Okay, so she lies.

32:28Yeah, she gaslights. I hate to say that in 2026, but she's gaslighting. Well, no, it's a real thing. Yeah, it's a real thing. It's like, I'm doing work at home. Like, you pulled up the f***er. You're gaslighting me. No, you're not. And then she'll say things like, you just can't see all the things that I do. Well, if I can't see it, then is it happening? What are we talking about here? If you can't see me go to work, you can't see me pay the bills, but I'm doing it. I'll say things like, you know, you don't notice all the small things. Like, for instance, like cleaning baseboards. Here's my thing.

32:57Don't do the small shit. Don't do the baseboards when the sink is fouled up, when there's six loads of laundry. Don't do the base. Why are you doing that? It's all about cleaning with you guys. It literally is. Bro, I'm very OCD. Yeah. I'm very like, I don't want. A husky and it's out of control. He's a husky and he... I don't like that dog. He hates my dog. That's so weird to not like a dog. I know. Dude, he's hairy and it's gross. Gross? Yes, it's disgusting. Dog hair is disgusting. Why don't you have a Roomba? It's a thousand square feet. Why aren't you cleaning up the hair? I do. I vacuum and sweep like every single day.

33:30Every single day. You said like every single day. Is it every single day? No, it's not. And that's my whole... Here's my whole thing too. Okay, remember, a thousand square feet, three bedroom, two baths. Okay. If you do everything, okay, you get it in tip-top shape. Everything is looking great. Now, what are we doing here four days a week? Because I'm usually off two days. Sometimes not if it rains or whatever. I have to work an extra day. Maintenance. We're doing maintenance. How long should it take to maintain? Oh, you want to go to the recplex. You want to go to the pool. You want to do this.

33:57You want to do that. It should take you an hour. Speed run through all the to-dos. And then you go have fun with the kids for the next 11 hours a day while I'm gone. I agree with you. but the part that you are totally missing is like, let's say I have the house clean and this happens all the time. I go back to take a bath or something, right? And I come out of the bath and there's toys everywhere. There's shit everywhere because you're on the computer, because you're on the computer, which you deserve to be on the computer, you know? Like two hours a week, maybe. You deserve to come home. No, you deserve to come home and be on the computer while I'm in the bathtub and like relax and do whatever the fuck you want to do.

34:30But at the same time, I can do those things and also pick up as I'm going. So like when I get out of the bathtub and the whole house that I just spent an hour or two hours cleaning is now messed up and you're like letting d*** cook and... I mean, I'm sorry. Cut that, my bad. No, we know. Or it's the fact that you've already been drinking and then you're in the bathtub and it's like, oh, it's me, bath time. I'm going to drink some more. That does happen. But especially since December, it hasn't been happening as much. Bullshit. Since December? We're in June. I can pull up pictures. Hey, I can pull up pictures right now on my phone where there's like eight Smirnoff ice cans hidden in like a bag in the trash can.

35:13You open the medicine cabinet, there's three shooters in a fucking... That was in April. Well, you said it's December. What do you think is after December? That's what I said. From December to April 1st. I know when I stopped drinking because I know when I stopped drinking. You didn't stop drinking though until seven days ago. You would have one day. From December 14th to April 1st. I literally did not drink at all that entire time. Okay, well, here's the problem. Not one time. Here's the problem. I drank before my friend's birthday, and then all of a sudden, I drank every day for like three weeks.

35:45I know when I drank, and I know what I drank, and I know. I do have bad short-term memory, so I can't confirm nor deny what she's saying. No, you're right. But I feel like she's gaslighting. No, because an addict knows the days that they stopped drinking. An addict also lies. An addict also lies to do their drug of choice. Come on. I grew up around addicts my entire life. That's also why I have no sympathy for this. I have no time for this because that's not how I live my life. I don't drink. I don't smoke. I don't do any of those things. So my future is not revolving around any of that. Which I understand.

36:20Then why are you with her still? I'm so confused. Because again, whenever the things are good, like she's a great mom. Yeah, but it sounds like it has not been good for her. She's a great homekeeper. She's actually very intelligent when it comes to book smarts and things like that. She knows what she's doing. Okay, for you. No, not for me. In general, generally speaking. Above average intelligence. What's the last book you read? What was the name of that book? One of the Secret by Freeda McFadden is the one I'm on. She reads books all the time. I haven't read a book probably since high school.

36:54That's why I'm blanking on the name of the last one I read. It was so good too. But things haven't been good for a long time, so that's why I'm confused why you're still here now. Maybe it's the... It's the kids, right? No, it's the reminiscing on the times where things were good. Also, like, wanting to build a future. There's things that I want to do that involve her, goals that I have, ambitions that I have, that she is a part of, that I also need her to accomplish. Have you wanted to leave? Oh, yeah, definitely. Why you? He's the one doing shit. Yeah. You're just so wrong. You know how he said it always hasn't been like that.

37:31It always hasn't been like that. The other thing that we have had fights about or just like where I'm coming from, even far before I started drinking, was like his, when we got together, like he said, like reminiscing on how, you know, that amazing phase in the beginning when everything is perfect. I would say he slowly stopped showing as much emotion and like the romance and stuff like that. And I know that's a normal thing. I know it happens, but it wasn't something that I foresaw happening with us. So it's something that like I've been bringing up for a long time and it definitely has gotten a lot better.

38:09But there were definitely points, I mean, I would say around like 2019, 2018. And I remember these years specifically because they were that bad. I mean, there was like complete disconnect from us. We hardly talked. I was telling him the other day like the first time you told me that I'm beautiful without being prompted to was the day that you proposed to me three years ago okay you know what you didn't get called beautiful that's a bummer you're a f***ing drunk at home who doesn't do shit while he if I was told these things maybe maybe I'd be better it's your fault oh it's your fault she drinks you don't call her beautiful enough what the f*** is wrong with you have some kind of personal responsibility You're joking, but no, I think she seriously does.

38:56No, I do not. Hey, you have to blow into a breathalyzer, right? Yeah. What happens when that court order's done? It's happened before like 30 times, and you're complaining how he doesn't say I love you as much. Like, yes, that sucks, but the scale of issues on both ends, yours is up here compared to him not saying I love you. The thing is, it started way before the drinking, like I said. So, yeah, that's a thing for me. that's a deal breaker for me. If you can't show me intimacy and love outside of sex, then that's a problem for me. Well, then why are you there? It's not even - Because we've talked about it.

39:29We've worked through it. So you've worked through it. It's gotten better. Well, there you go. So what are you complaining about? What are you complaining about? I've been sober for seven days. That's a - That's a - Court ordered. Court ordered and checked via breathalyze. Yeah, is it okay? I can still go to the gas station to get a drink if I want. And even if I did drink, like let's say I could, I drink right now and I blew dirty in my little device thing. The only punishment would just be blowing in it more times throughout the day. That'd be my first punishment. So you don't give a f***? I do.

39:58That's why I'm taking it seriously. That's why I haven't had a drink. But it wouldn't, you know, I wouldn't immediately go to jail the first time. Every time she's been pregnant, she just stops. There's no drinking. There's no doing anything. So here's my thing. If you have that willpower to do that, why? And like she just said, oh, my only consequence if I drink is I just have to blow into this thing more. Okay, so I just followed the order because it's the order, but if I wanted to break it, I could. Obviously, you can follow it. So why, whenever there's no restriction, there's nothing stopping you, then it's a problem.

40:34But if there's something that's telling you you can't do it, then all of a sudden, oh, I got to follow the rules. It's no big deal. We could do it, no matter whether it's nine months or it's two years. I don't understand. Plain and simple, just being lazy and I didn't want to. I didn't want to stop. Do you believe she hasn't even had a sip in the last seven days? Yes, because every four hours or less, that thing goes off and she has to blow into it, whether it's 2 o 'clock in the morning, whatever, 10, I think it's 10, 2, 6, 12, around the clock. So there's like no point where she can and has like a camera on it.

41:08So she can't have like one of the kids blow into it. Like, so I know that she's doing it. It's actually never been, it's 100 % tamper proof. No one has ever successfully tampered with a scram blowing device. However, they have a breathalyzer. They have tampered with the ankle monitors that you wear that can detect alcohol. You have one? No, I don't. I got out of that. You'll probably get back on it. No, I've never had one. An ankle monitor? No, I've never. Might this time. I've never had one. The reason that I have the breathalyzer is in place of the monitor. Because it's summer and I wanted to take my kids swimming and you can't submerge that thing.

41:44So this is still, you know, it puts a strain on the whole family. It's everything. Well, yeah, because you're a horrible mother. I understand. Yeah, totally. When I said, like, if I leave, I'm taking the kids, and the only way you're going to see them is if you have this advice. That's actually what it's mostly used for is, like, custody battles. Okay, so, yeah, you're a piece of shit. But I'm being told. Not on my good days. Shut the fuck up. But I'm being told on your end, Tyrone, that you consider yourself Robin Hood. I don't see how. Cutting grass isn't Robin Hood. What is this Robin Hood?

42:17You steal from who to give to who? What the f*** are you talking about? So, I mean, we'd have to get into some of the debt-related stuff on that end. He steals from companies slash the government and gives back to himself. What does that even mean? I don't steal from the government. I follow all legalities involved with any kind of application processes or requirements for assistance. First of all. You paying your taxes? About that. Okay. Taxes. That would be it. I think it's been like four years. Three. What is wrong with you? Three? What is wrong with you? Okay. You own a house? Yes. I hope they take it.

43:03No, they won't. They could. They could, but they won't. I hope they will. They won't. Why do you know? Just because I know. Nope. Yeah. Yeah. See, I think you like operate out of like a, you know, carrot and stick mentality. You're more afraid of the stick and the IRS and the guys with the guns, your favorite. I just don't, I don't care. You don't care if they take your house. They're not going to take my house. They might take your house. No, they won't. If the police do come, he told us I ain't going down without a fight. So when I first started this, you know, the taxes got complicated quickly.

43:36I thought I paid enough for my first year doing YouTube. I didn't. Found out a couple years later. Yeah. Letter in the note. You filed, though. Yes. Yeah, see? You're on the radar. Problem number one. Well, I think you're on the radar now. Problem number two. Yeah. I don't think Tyrone is going to be on the radar. Yeah. Tyrone. So. Not even filing. No, this year I will have to file. Oh, well, there you go. So you'll be on the radar. Yeah, yeah. I've never made enough to where like I would have. How many of you guys paying for bills the last few years then? I mean, I was working. But you never made enough to pay taxes.

44:13That doesn't make sense. Well, so when I used to mow, I would mow for cash. Like it wouldn't be. I would work for someone else, but it wouldn't be for cash. You certainly didn't claim that. Or they would 1099 me and I just wouldn't claim it. Are you getting government benefits? She does. I guess you guys aren't married. What benefits are you getting? Bingo. I get food stamps and Medicare for all the kids. Mind you, a six-figure household. Six figures, no, because that is only— You average out to$11 ,800. No, I do not. This is the first year that I've ever made that, and this just started in April.

44:49Oh, then you can't tell me it averages that. I have a consistent client list, so yes, it does average that. For a couple months, you have a consistent client list. Exactly. So, no, I've been building this client list over the last three or four years. You don't just start a business and have no client. Okay, then it didn't go from zero to 11. So you've been making decent money for a while. Yes. So mind you, nearly six figures for a while in the house. No, not even close. What are you talking about? If it's a consistent sign list, you should have been near that six figures for a while because you're well over it today.

45:17Last year, okay, so I would have to rent equipment from my old boss on the weekends to do the few yards that I had. So it was like not even anything close to making six figures or anything like that. Okay. I was going to, I mean, Maybe it was a whole other rabbit hole. But I was going to purchase his company from him two years ago, I think. Okay. Well, regardless of all that, let's just pretend you weren't. Well, you are now. Uh-huh. And that is disgusting if that maintains through next year. Yeah, but it won't be six figures still. What? Because I can only mow average of 29 weeks a year. That's the mowing season.

45:54And then once that falls off, I don't, I mean. So what do I actually put as your average then? I told you it would probably be, I mean, whenever I get side jobs, I probably still make four to six thousand dollars a month. Extra? No, no, no. Total? Like, we're still on off-season. So, what is the monthly average I should put-ish? What's 29 week? 29 divided by four. 12, 6, 24. I mean, it's hard to say because the... Probably 70 ,000 a year, maybe a little less. Okay, then why the f*** should we have food stamps? I think the dependence is the big thing. I don't know what that is. Who's claiming them?

46:33Yeah, she does. I have three dependents. You claim them with the zero income. No, she works for my company. What? Yeah, she works for my company. Why didn't you tell me that when I said, what are you doing for a living? How am I supposed to go off of information I don't have? She's a stay-at-home mom, but she works for my company. Yeah.

46:51For tax purposes. And what do you make? $25 ,000. Is this an additional to your 70 a year? No. No. What the f*** are we doing? Guys, just end the federal government. End all benefits. This shit's crazy. I'm so done. This show has turned me into the most pessimistic mother f***er. I used to be so pro benefits even two years ago, and now it's just like every single one of you mother f***ers. This is crazy. Yeah, so here's the thing, too. Tax code. Your children, if they're of a certain age, can work for your company. Oh, my f***er. You can pay them up to$15 ,000 a year, So you can go ahead and add 15 plus 15 to that as well as deductible.

47:32When's that? I mean, my son's nine. He helps me cut grass. Why is a kid that young working so slowly? Do I even care about your family? Because you're playing Russian roulette with their future. You're spending$5 a day on BS energy drinks and churros. That is two grand a year to put one foot in the grave. Although your family has zero protection if something happens to you. Make it make sense, bro. If you want to actually enjoy those sweet summer moments without sweating your family's future, you need Policy Genius. It's a free online marketplace where you can compare quotes from America's top insurers side by side.

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49:21Link in the description below. My daughter's 13, she helps me cut grass. My two youngest kids, they can be models for advertising. You think this will survive an audit if you get audited? Yeah, 100%. It's a tax code. We ran it past the CPA. Up to$15 ,000 a year per child, which is tax-free for them and tax-deductible for me. You've ran this past the CPA? Yes. Okay. Yeah. I'm not 100 % sure. He's not the fact-check guy. Linzo, pull it up. Yes, Linzo. Okay. I don't know. We can look at it later. But I'm very glad. I'm sitting here. Theoretically, what you could do is if you pay your children that money, I mean, you obviously have to make a certain income here, but what they do with their money doesn't matter.

50:10So theoretically, they could pay bills for you. And yet you're getting the child tax credit still, so I'm funding that. You're welcome. Yes, thank you. And you're just not even filing taxes, and you get food stamps on top of that plus Medicaid. So, oh, I hate everything. That is the way we have set this up. Yeah, we're a dependent state now. The entire$200 billion yearly SNAP budget is the problem, but not the hundreds and hundreds and hundreds of billions of subsidies that go to corporations. But yes, the little guys. Well, subsidies isn't money going to them, typically. Subsidies is usually tax benefits, so it's money they're not giving.

50:51Food stamps is still money going out. So it is different. You can't compare them one-to-one. It's not one-to-one. Well, then you just made the one-to-one example. No. And you know those subsidies are usually set up in place for them to build a campus so they employ more people. Which is fine to a certain degree, yes. It still puts more money in the system because they bring in more employees. They have to pay payroll taxes on that on both ends. So what are you talking about? Okay, let's use oil and gas for an example. How much revenue did they generate and how much of that revenue was profit? You're telling me that they deserve a$700 billion deduction or subsidy or whatever you want to call it to grow their business.

51:28When you make that much money, you can't fund your own business advancement? I don't know about necessarily deserve, but I would still rather have money go to something that does create jobs, which actually provides a benefit. I mean, the SNAP program can only buy food. Then people who literally do nothing sit on her ass and just get. SNAP can only buy food. She also gets Medicaid and she gets the child tax credits. Oh, no. Child tax credits, too. Okay. Literally just the money in her pocket. How many countries pay for people to have children? What's the population decline in all these other countries?

52:00It doesn't matter. That has never once helped. Anytime benefits have been provided for having kids, it has never improved the situation. It happened for a year in Hungary, and then it fell back down. So that's not even actually benefiting the overall issue. It's a populist policy. It's populism, and populism isn't necessarily good. It just gets votes. Not a bad one. Huh? It's not a bad one. Not a bad one for you guys. You guys are takers, not givers. Oh. Even if we were to get married. So do I agree with every tax credit? Objectively. No, but I would still rather, if I have to choose between someone who literally does nothing and just gets shit versus creating jobs that at least help communities, I will choose that.

52:37Oh, crazy. That doesn't mean I'm like super pro subsidy. I have a job that helps communities, right? You haven't filed through taxes. You only do your employer yourself. I will this year and guess what I'll pay? zero dollars. Why? I just explained to you how I'll do it. So you're okay with the tax subsidies. Exactly. Okay. So you're okay. Here's my point though. I'm okay. I'm at this level of the socioeconomic ladder, right? I'm down here. Average middle class. Whether I make, yeah, whatever it is, I'm going to play the benefits that are down here, the loopholes that exist. I'm going to use them.

53:06Then why complain about that for others? Once my ladder goes up, I'm using as an example that I'm just doing the same thing, but I'm doing it from down here. Oh, I hate the poor people because they're abusing the system. Oh, but I don't hate the rich people who are abusing the system. You see what I'm saying? I didn't say that. I said if I have to choose one-to-one. I just said I'm against both. But if I have, if you're making the one-to-one example, I'm choosing the one that at least creates jobs. I wasn't defending either. Okay. But I would still rather do something that contributes to the overall system versus you that just mooches.

53:36I mean, well, the thing is, too, I plugged all the numbers into ChatGPT, what he makes monthly or whatever. The stripper used CHGPT, ladies and gentlemen. Yeah, there you go. And even if we were to get married, the food stamps and the Medicaid would remain about the same because of the off-season where he doesn't make much money for a six-person household. So because he went into a business that isn't actually successful, we should fund you? Yeah, thank you so much. That's interesting. It's not that it's not successful. It's starting your own business. You should have to go get another job. Starting your own business always takes time, and the first two years are such a thing.

54:10But you're taking on that risk yourself. Yeah. Which we did. And now this year is going good. So this year we're going to pay taxes. Why should we as a society fund your risk? Isn't that on you? You're not funding my risk though. We kind of are by putting food on the table and making sure they're taking the scene. And plus the child tax credit. So there's just literally money in your pocket. So yes, we actually are. You're funding her. But even if you went jointly, like she said, thanks to ChatGPT, your benefits would stay the same even with your business because the off season. Okay, so if I didn't have my own company and I went and worked for some minimum wage job because that's, let's say, that's all that I could qualify for.

54:46Yeah. Nothing changes. Well, that's at least you choosing to get a job. But you choosing to do your business that isn't successful is us essentially subsidizing that. It is a little different in the end because here's the reality. In capitalism, which is great, here's the reality. I don't do nothing. On the offseason, I don't do nothing. I get a job. In capitalism, the excitement is if you start a business and you're wildly successful, I want you to reap the rewards. Right. But if you start the business and you fail, that's also on you. That's the risk of it. That's why we celebrate your reward and success.

55:14Because you did the sacrifice where you may have lost everything. Why should we then actually say, you know what? If you lose everything, no worries. We'll just fund you. That makes no sense. Go get a job like everyone else. I do. When I'm not working. Sometimes, yeah, when you're not working. So, which brings you to the 70 ,000 hours a year, right? Yeah. Okay, so you're close to the median household income. I'm sure St. Louis is a little lower. Okay, let's talk about median household income. How many millionaires and billionaires are in the United States? Do you think that skews the median household income?

55:41Well, that's why median is there. It skews the average much more aggressively. That's why we use median. Right. Yeah, so median is a better way to get the normal person. Yeah, but I feel like there's a lot more people who aren't making the median household income than that's what's listed. What do you think just median is? Medians to get the median. It's a mean median mode. Yeah, I get it. We would rather do that than the average, though. So at least we have something to work with here, buddy. Yeah, but I think those numbers are skewed. I know a lot more people who are making way less than$70 ,000.

56:09Well, I'm glad in your life, but I'm just going to go off of analytics. Okay. But I'm glad you used anecdotal examples. I'm just saying the data is skewed. And guess what? I know some s**tters. Yeah. I know fat s**ters, too. I guess every s**t is fat. Back at you, bud. I'm not a s**t. You could be. A fat s**t. I'm just a millionaire and billionaire. That's cool. Yeah, it's actually awesome. I wish I paid$4 million in taxes. That would be sick. Yeah, it went right to you. Yeah, it's awesome. Thank you. You know why? Because that means you're making a lot of money. So I would be glad to pay$4 million in back.

56:40Oh, trust me. No, no, no. I'm very blessed to be in my position. I'm not complaining about that. I would just rather it actually benefits society and not have people that can just mooch. But it does. Benefits society. Healthcare and SNAP benefits society overall. Potentially, I would want people who actually need it. Yes. I'd say statistically. Statistically, there's more people that don't probably, you know, like her just sitting at home. I would say, statistically speaking, it's an overall net benefit to society. Yeah, there are some bad things. What do you mean? You're saying, yeah, she doesn't do anything.

57:09She's getting government subsidies, right? Yeah, that's not good. That's not the statistic, though. I would say more than likely the average person who's on the benefits isn't doing that. Yeah, which is why I don't want to take it to zero. Right. But I think it's also okay. You're saying it's not a net benefit to society. It is overall. I didn't say that. Yes, you did. No, no, no. I say, well, to clarify my response, then, if I accidentally insinuated that, I would rather make sure we're at least auditing the systems properly to make sure people like her are not qualified. Oh, 100%. So I think that's fair.

57:38Including the Pentagon, don't give me wrong. He hasn't passed an audit. I'm with you, buddy. If money's wasteful, I don't want to. I've always said I'm willing to spend more on taxes if we make sure we're actually benefiting society more and if we're actually auditing our system. So I'm not against you on that. Yes. I agree. Okay, but I don't think anyone likes writing a check for$4 million. dollars. That is money that could go to a lot of things that I would like to do in life. But instead it is going to things that we literally cannot audit or pass an audit of. So I don't think I am required to be happy about that.

58:13I mean, you could, you know, I'm sure you do it already, reduce your taxable income and reinvesting in your company or other things. I mean, I mean, I employ people, but even still one, but yeah, but that's, I mean, reducing tax income. Like If I employ someone just to reduce tax income, I would still rather pay that 40 % on that$75 ,000 than literally get zero from it. So that's not just how it works, buddy. You're thinking of a massive C-corp that does a lot of funky shit to use the tax code. I mean, I still need money in my pocket at the end of the day. So we don't do that shit. That's not what most small businesses do, and we're a small business.

58:50So no. Yeah, that's what I'm going to do for this year and probably next year. You have up to five years to operate at a loss before the IRS labels you as a hobby and not a business. And you're filing quarter lease next year? Maybe. I don't know. I'll have to talk to a CPA. You'll be wanting to file quarter lease next year. Yeah. Well, this year I know I'll be able to write off the truck that I got. I'll accelerate depreciation on that. The interest on my other truck that I pay. I'll write that off. I'm not complaining about any of that. But the reality is, I don't know, if you're trying to make a big point about like, I should be happy about writing the check when we can't pass audits.

59:27And there's people like her and many others on this show. Listen, I'm good with the child tax credit. I guess it's a populist policy. I'd love to. If it actually increased the birth rate, it doesn't. It never has in any other history. South Korea has massive benefits. It's still falling. So, you know, it doesn't really work. The reality is, I mean, yeah, sure. It'd be great to be like a single household income, and you guys can be in St. Louis off of 70. So I don't think we need to do extra support for you guys. Probably could. Probably could, but, you know, you're just going to claim that your income is zero, so then we're going to give everything.

59:59So, yippee, our system has no flaws, and it's perfect, and I guess more people like me just should be forced to write checks, and you'll celebrate, I guess. I mean, that's why we're here. I'll be, no, I'll be, my goal is to be a part of that person who writes those checks. I know, but wouldn't you also rather instead of that and just, let's take money, like figure out, hey, what's the actual issues with where money is going first? And then once we get that settled, okay, let's decide if we need more taxes, if we can do less, or if we should stay the same. That's exactly why we're here and not filming a retirement planning documentary.

1:00:32That's why we're here. That's why we're here and not planning a documentary for retirement or something else that we don't know anything about because we are not doing good with our taxes. We're not doing good with our finances. We're not doing good with budgeting. What the f*** is she saying? I think she's saying we haven't filed taxes or haven't made a budget is why we're here. I don't know. Yeah, that's the whole reason you wanted me to come on the show, you said, for financial advice. Financial audit. Okay, well then why are the pieces not clicking? What? I'm seeing, yeah. Pieces not clicking.

1:01:02I'm talking about him being upset that I'm not excited for writing a check. No, I get what you're saying from the perspective of like— What fumes were in that club? I don't know. fixing the system yeah but i mean the system exists as it exists i would be okay because again like i said statistically speaking we're probably not the average situation so me writing a check towards the current system we have yeah would it suck at the end of the day sure but as long as i'm making plenty of money to provide for my family i don't care because i grew up in obscure poverty like poverty poverty i don't give a like that doesn't mean you could just do whatever and have any opinion forever.

1:01:42Well, I grew up with foreclosure notices. They've all heard it. Oh, no. Foreclosure notices. Is that the worst part about your childhood? I hear you say that all the time. Is that the worst part? But it's an example of why I care about finances. I remember my mom like ODing and she was asleep for like four days when I was like nine years old because she took like 40 Xanax. What are we doing right now? Are we having a competition? I'm just saying I don't care. Just like I don't care about mine either. The thing is like the mindset that you have is because you grew up in a certain situation. You grew up in a certain scenario, Right?

1:02:10When I say I grew up in poverty. Okay, so your mom owned deeds. So you're going to take your taxes to zero? Because I grew up in a different economic probably system than you did. The people that I surrounded myself with, that is how they operate and how they live life. So the things that I do, even at this age, are kind of based on the mindset that the people around me had. Okay. Everyone lives life based on their personal experience. Yes, we all know. What point are you trying? That meant nothing. You can unlearn things that you have learned and been surrounded with your entire childhood. Unlearn that.

1:02:42No, just being on assistance. Yeah, don't do drugs. Being on assistance. I'm glad you learned that. That's where he was going with that. Dare. Yeah. Okay. Nancy Reagan. It worked, I guess. No, I just think that you have this mentality of like, I did this something, so it's like, you can do it too in the same exact way I did. Or everybody has a different mentality. I've always said personal finance is called personal finance because it's personal. But I know that if I can do it, other people can do it. Not necessarily the same way, but budgeting is still budgeting. The numbers work the same way.

1:03:16Money in, money out. Yeah, but we're talking about personal philosophies here of why I do some of the things that I do, right? What am I criticizing? It's just not the mindset thing of— What mindset? I don't know. Exactly. You're being defensive about nothing. I was responding to you saying I should be happy that I'm writing a check. I'm happy I'm in a position where I get the right to check, but I'm not happy about losing money that could go towards life goals that I have, especially when the system is flawed. And I guess you're a fascist if you consider that there might be some fraud happening in this country.

1:03:52There's a whole lot of fraud. Exactly. So what the f*** was your point? That was pathetic and weird. What do you think your guys' financial score is? Zero to 10, zero being the worst, 10 being the best? One. I haven't seen the show, so But I heard you're super smart I just described what the score would be I think I'm just gonna go with what he said and say a one It could be a two A one Maybe a zero Are we even on the chart? Oh, trailblazer you are Going against the grain Okay, well if you want to figure out what your Hammer Financing Score is Take that assessment for free It just takes a few minutes At CalebHammer.com You can see where you're staying, where you're doing poorly, where you're doing great And if you don't want to end up like guests on this show So besides not coming from households where your parents overdose, also just use a budgeting app and you will figure out where your money is going.

1:04:37Something you guys definitely need. So check out DollarWise. You get a free trial. DollarWise.com link in the description below. Or just download the app. Check it out. See if it works for you like tens of thousands of monthly active users do. Sign up for the annual version because it saves almost 50 % and you get the physical version of my 30-day meal plan signed by me mailed directly to you and the digital version of our cookbook. Here you guys go. I don't know if it, where was it? St. Louis, they got grocery stores, but I think you guys can use that. Should be good. Okay. Thank you. And I am sorry.

1:05:09Again, I mean, I'm making light because I didn't really understand the point you're making, but I mean, I'm sorry for the place you came from. No, I think, okay. And I'm sorry that you went, like, it's horrible that your parents went through overdoses. That's really sad and it's really tragic, and I'm sorry. I still didn't really understand the point you were trying to make, and that's why I'm kind of making light of it. but that is tragic. No, I think it was. And I'm glad you're not replicating that experience for your kids. That's important. I think the whole, just the point that I was making was like if I could be in a position to where I could write, you know, that big check to the IRS, yeah, it would suck but it's like from where I came from, that's like the least of my worries.

1:05:44You know what I'm saying? That's the least of my worries too. Okay. That's all I was trying to say. Doesn't mean I'm happy to do it. Yeah, I mean. So I don't, okay. I don't think anyone's, oh no, I made lots of money. That's really sad. Okay, Chime. So checking account first. That's interesting. We do like ChimeChime.com forward slash Caleb. Get$200 for signing up. It's free. No reason not to. Did you guys get that$200? No. You signed up before or without my link? I just found you like two months ago. Oh, my friend, my friend. I haven't signed up. You could have got$200. There you go. Get$200, lady.

1:06:14Link below. Wow, this is a lot of pay. Okay. What are we doing in here? Who's Chime? Fine. Okay. What are you doing here? What's going on with this? What am I looking at? You're stopping in gas stations and getting some bullshit. Yeah, buddy. What are you doing? uh bangs what oh the energy drink yes sir bang bang bang bang i don't mean to do a plug too close to another one but okay energy drink here you go you're making this a home hey girl you know you guys should be on a budget so i'm just gonna let you know what this is so you can force them to do it at home it is a powder it turns into the most delicious substance you could ever imagine it's called gamer subs it's an energy drink you make it a home with my discount code 10 % off Caleb.

1:06:55Link in the description below. You get it for 40 cents a serving. So like you make your coffee at home, instead of going to nasty-ass Starbucks anyway, make it, I guarantee it's better than Bang. We put Bang in our blind taste test. This beat it by far. Really? Wasn't even close to it, right? What flavor were you banging? What flavor were we banging? Remember? It was a white can. That already sounds like trash. Well, either way, that's better, I promise you. Purple hay slaps, bro. Peach mango. Oh, dragon fruit punch. That's what you gave me. Here, that one's fruit punch. Oh, okay. I tried to get the sample pack like two months ago when I found you and they were out.

1:07:31Okay. Well, you can get those sample packs. Figure out what flavor you like. Link in the description below. Okay. And then, yeah, so you're going to the guests and you're getting a lot of bullshit. The direct deposit lease fund. Some of those. $136. What's that? What is it? $136. Coal. Qualify. Yeah. Washing dryer. Are we renting? No. No, it was, what, four months? Same as cash. Yeah. Because it hit just a couple days after that. That's because I went, she, okay, it's set up through her account. I wasn't paying attention. She was supposed to be paying it. She wasn't paying it. So then I went online and paid it, and then I submitted the payment, and it didn't show that it cleared.

1:08:09So then I did another payment, and I went back, and it's like, oh, okay, so I just double paid on it, but whatever. Snapchat. Pay for Snapchat. I thought she was the Snapchat. No, I was restoring a streak with my daughter. Okay. The 13-year-old? Yeah. Yeah. Okay. Ben went on money. A lot of money. Amazon. Amazon Prime Video. Ben went on money. Amazon. Pulled to Amazon. Spotify. Afterpay. Amazon. Walmart. Yeah, but the Walmart was$54. Hard to know if that's groceries or bullshit from Walmart. I hope so. Sonic Driving. That certainly ain't groceries. I'll tell you that. Zip. Three installments. Just three installments zipping.

1:08:46What are you zipping, Zip? That was my daughter's tennis. She started tennis this year, so I got her a racket shoes. And you're zipping it. Yeah, but. You make money. I know, I know. I'm at the point now where I'm making money so I have like the opposite side of the spectrum. Like I look at my account, I'm like, oh, I don't want to spend the money. So then I'm like, oh, paying for. I'm like turning into like the Jew because it's like I don't want to see my account fall below a certain level. Are you a Jew for not wanting to lose money? Yeah, see, well, I didn't, I don't use the paying for anymore because I didn't realize like the 30, whatever interest rate they charge.

1:09:19But when you do$200, like 30%, oh, it's an extra 10 bucks or whatever over a month. I don't understand how that's being Jewish, wanting to have money in your checking account. Come on, do I really need to explain the stereotype? I do, but just having money. Jewish people are doing this money, right. Yeah, but just having money isn't Jewish. I know, but. I would say having a lot of money. Well, for me, it's a lot of money. Yeah. Wow. It's more money than I'm used to having. For you, not for the Jew. Exactly. Okay, well, I'm finding out money, prime video. Subs, probably. Amazon, Amazon, Groupon, now that's Jewish.

1:09:51Hell yeah. I remember what I did on there. Venmoing out money. Yeah, I drank a lot of caffeine. Where are we Venmoing hundreds of dollars to? Probably labor. Oh, I thought you said there is no one. My kids tell me. So your kids. Then my niece also helps me sometimes. And then every once in a while, if I'm packed up, I'll hire somebody. What about when your kids are in school? I'll just do it by myself. Yeah, I'll just do it by myself. Okay. Venmo, Venmo, Amazon, Amazon. Pull up your Amazon. She should do that. She's the one who's in the Amazon. Lady, now. Amazon. More zip you zipped. Amazon, Amazon, Amazon.

1:10:29That was the same zip. Venmo. Amazon. Amazon. Amazon. A lot of shit, by the way. This is a crazy statement. Facebook. You're paying Facebook. You're paying Facebook. That was probably had a verified badge or whatever. What the fuck? What do you need to be verified? I'm monetized on Facebook. Oh, for your business, maybe? Business. You're monetized? What are you monetized on? Making a whole lot of 15 bucks a month. doing what? Making reels, content. What reels? Blackface reels? Lawn care, opinionated pieces. What's your most radical opinion?

1:11:05Government sucks. Left wing, right wing sucks. Probably the biggest one that I'm on now is... Government sucks, but he's going to be happy when he gives millions of taxes to it. Okay, it's an interesting philosophy. I don't think that's a radical position. No one really likes politics. No, you'd be surprised how many people are either on one side or the other. Well, certainly, but whatever. Okay. That's not a fun radical. You don't have a fun radical position for me? Uh, no, not really. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this.

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1:12:12right here on CalebHammer.com. We have three new Caleb Hammer financial resources. They are the ones I would personally use, which is why we made them for you to use. As you've already heard me talk about, personal loans are okay when you're good at debt. I personally use them when I can leverage them for a situation. So we have good personal loans on CalebHammer.com. We also have auto insurance now. You can check for free and see if you can save a shit ton of money on auto insurance. And then to close it off for now, because we're building more, we have a debt relief program. You've seen how hard it is for people to get out of debt on this show.

1:12:48This makes it so much easier, but only if you're actually ready to change. Remember, none of this actually matters if you continue the same bad behavior. So it's not for you if you still suck. But if you've proved you can budget, check out these three programs from personal loans to debt relief to car insurance to see if you can save a shit ton of money across the board. Go to CalebHammer.com or the Caleb Hammer Financial Resources part of the pinned comment or description below and save a shit ton of money. I mean, personal accountability is like usually my main thing. Says the man who's going to show up in blackface.

1:13:22Work hard. You know, like you said, there's no excuse. I grew up in whatever. You know, if I could do it, you could do it too. That type of shit. I thought you were about to talk about the Jews a few minutes ago. I can't. Scared? I can't. Scared of that? Yeah, not a good look. But you were going to show up in blackface. We had to tell you no. Yeah, that should tell you something. That's the first time I've ever heard him say that's not a good look and actually cared about something. Yeah, why are you pussified on camera, pussy? No, the Jew topic is a little more, you know, controversial probably than blackface.

1:13:55Yes, I'm asking for your controversial take. I'd like to know where you stand in this world. APAC sucks. BB's a terrible person, terrible leader. That's it. Zionism is bad. question on Zionism what's Zionism? the Christians who support and believe that Israel is the holy land and we must protect them at all costs okay if I'm not mistaken I think the original version of Zionism like the definition is just that there should be a Jewish state that's probably fine okay so a classic version yeah there's yeah there's nothing wrong with like Israel as you know a place but I don't think that's how that word is used very much yeah yeah I don't know I think Okay, we got a high chair, hair extensions for kids, fake plants or watering pots.

1:14:44I don't think we need that to survive. Same with the potty mix. We don't need that to survive. Well, I got a... Chalk markers. Tattoo removal I'm doing. My grandma gave me an aloe plant, so I bought a... What? I'm getting tattoo removal, so I got an aloe plant to rub aloe on it for recovery. CVS one time. Probably cheaper than this watering plant. Yeah, probably. But aloe is good for a lot of stuff. I don't know, honestly. I think that was the cheaper route. We got the plant for free. 30 bucks, but you can use it a bunch. Then you got to go to the water. Yeah, but a little aloe thing. How often are you getting a tattooing book?

1:15:15Every four or six weeks. An aloe is amazing. I mean, sunburns. Well, if you got a book, what book? The book called Divorce. Oh, shit. Why is that? Looks like a good book. Who does it? I'm not even married. I don't have anything to prep for. That's true. That is true. Rose gold-plated chain. Go f*** yourself. Do we not know what situation we're in here? That's not funny. purple hair mask lots of cables oh thank goodness you cancelled the f***ing airpods cause you can't afford that shit oh you don't need a sound bar to survive yeah I bought shut the f*** up you don't have that shit you don't have money I bought a VHS and a DVD player and the aux connect made the sound go it's all just bullshit yeah I know yeah you should see me when I'm riding around on a f***ing lawnmower and I get a notification that Amazon$20 Amazon$30.

1:16:04Amazon$20. Then do we have a conversation about it? Yes, I have a conversation. Then tell me, what does that look like? Why are you buying shit on Amazon that we don't need? And I'd be like, we need it. Everything is a need. Caleb, if you can use it, it's a need. None of that was a need, by the way, on there, except for maybe the high chair. His work pants, those were on there. Okay, I'm fine with that. I'm not fine with the other 80 items. Let me see. I bought those. Girl, we haven't even got... My daughter's hair bows. Yeah, it's not a need. She's just not going to have bows in her hair? Yeah.

1:16:34That sounds like a need to me. A bunch of colored bows in the hair extensions? You did not need that shit. You haven't even got to the tax credit statement from her. Oh. Originally, we're going to come on. This was right after taxes that hit. She spent like over$2 ,000 on Amazon. Yeah, for the house. On things that we needed. How am I supposed to be a homemaker if you don't want me to make the home a home? You don't. You don't. I'm not there enough to care, so. I mean, I am. That's the thing. I have to look at the set on four walls every day. Why are we spending so much on the Chime credit card?

1:17:04The new balance is substantial. That was just the Chime, kind of like the Fizz or Mind Card, whatever it's called now. That's what it was. But the balance is still substantial. Anytime I would use my debit card, it would just be through that. Well, it's$3 ,451.57 now. You're going in and getting some bullshit again. Energy drinks, use Gamers Ups, Netflix, getting bullshit. Lay Bell order, Sonic Drive-In, Chick-fil-A. It's all bullshit. Going in and getting some bullshit. Energy drink, energy drink, energy drink. Taco Bell, Steak and Shake, Starz Entertainment. Who the f*** even gets that shit?

1:17:37Cash advance, 18-inch draw of$300. What the f*** are we doing? Hold on, that was for my son's dirt bike. Energy drink, Chick-fil-A, Texas Roadhouse, Imo's Pizza, Imo's Pizza, sunglasses, concessions fly below, Dairy Queen, schnucks, and energy drink. The spending on here is insane. This is f***ing crazy, and you do owe it. Hey, 50 % of all of my... If you order to be able to spend more on there, you do all that. 50 % of my energy drinks. So the ending balance in your Chime Secured, this is the Chime Secured card. Now, this is a separate one. The one that I think you were talking about is$5 ,398.

1:18:17Okay. And that's just moving money back and forth. Listen, once you're ready to get back into the workforce and not be a surfer, please, for the sake of every man, I'll get you a course career certification. A lot of people in the audience have used that. that you can get in project management and tech and the trades, convert it into a six-figure job like many people out there have. They're incredible. I'll get you that for free. You guys get a discount, but... Okay, Equifax, what is this? Okay, so this is your Equifax. What is this? A credit card. T-B-O-M? Mail? That's Miles on MasterGard. Okay, I'm being told you are practically the dumbest guest that's sending statements we've ever had.

1:18:56Why are you over the limit? $581. Yeah. The limit is$500. Wait, wait, wait. Hold on, hold on. That might have been a fee. Why? Miss payment? It's a$40 payment? No, okay, it's not a missed payment. It was a late payment because I'm an idiot, and I didn't realize that even if it's one day after the due date, they hit you with a late fee. Why would they not? I thought you missed the whole month. No, that's when it becomes a missed payment on your credit. Yeah. I only paid that once. That's only happened actually twice. Why was it at the limit already? I'd like to see what you're spending on this But you didn't send me the statement Because you were sending statements I don't know What is the nose thing and the lip thing?

1:19:38Clef lip You're born with it Is that a brain injury? Why didn't you send us statements? I don't remember why I didn't send a statement for that one Well any of them I have the credit report The rest of this So it's all the credit report Literally except for your time They f***ed up I emailed them what do you mean? I emailed the statements no you didn't yes I did you want to pull up the sent on my phone? I 100 % did you have it you can pull it up pull up the email yeah pull it up right now let's see casting it's on the casting really? any because they're that was the I couldn't? you couldn't send a PDF to save your life maybe I'm the most person on the show that's what I'm saying Yeah, well then that's probably why it didn't come through.

1:20:29Because you didn't send it. Yeah, that would do it. I'm being told you want to join the Air Force. It was the MasterCard. It's a possibility. What? How? You can't be a pilot. No, I can't. I'm too old. Well, that and... Air Force is the only thing that I can. Actually, I knew you could join the Army, but I don't want to do that. What do you want to do in the Air Force? Why do you want to join the Air Force? You have a good business going on. Because the off-seasons suck, for one. but also like I want to make more money on a consistent basis. Yeah, but you'll be away and all this stuff and you have so many kids.

1:21:05Yeah, but once we get married, I only have to go to boot camp and then the job training and then they'll be shipped out with wherever I'm at. Okay. What do you want to do? Something in like cybersecurity or intelligence, something like that, something along those lines. Okay. I'm being told you want to get injured and get the benefits. Oh, the benefits are great. But that benefit, the disability. VA loan, the boots to business, the disability. I agree with those, the disability, though. You will be the person. You know it, buddy. You guys. If the system exists, man, why would you not? Why would you not?

1:21:39Yeah, it doesn't mean you're not a piece of shit for it. Sure, fair. You're entitled to your opinion, as I am entitled to. That's barely even an opinion. Abusing a system? That's meant there to help people? Yeah, but it does help people. It does. So does food stamps. doesn't mean you're not abusing it. Yeah. Which makes you a piece of shit. No. Okay. I disagree. Oh, I'm glad. I'm glad you disagree. The f***ing r***ing hands-in statements. That's who he cared about, his opinion. Okay. Atlas, we owe$218. What the f***? I don't know. It's Web Bank or ETLS or Imagine. It's three words. Oh, that's an Imagine Visa.

1:22:21Okay. you owe$218 on this. Yeah. And the minimum payment is$27. I'd love to see what you spent on it. But again, you can't. It's hard for me to give the advice of what to cut back on. What you even spent on it to get into that. It's hard for me to give any advice of what to cut when I actually don't even know what you're spending is outside of your checking and the time credit because you can't send statements. I can't. I can barely do a full, I can do a budget at the end, but I can't say what to adjust from your current because I don't know what got you here. Because you can't send statements.

1:22:53I wish they would have told me. I sent those on 6-2. I sent those on 6-2. Somebody should have said, hey, we didn't get any statements from you. We tell you. We tell you. By the dollar wise app, I can tell you what I sent. She said you went over all of it on the phone. I don't remember. As you were going through the credit report line by line. Yeah, I sent the credit report and that went through. You know that. Yeah. We know. So I just don't understand why the other statements didn't go through. I sent them the same way. Actually, no, they were not PDFs. I screenshotted them from my phone, cropped it, and I sent them an email as a picture.

1:23:34A PDF? That's probably what happened then. You went to go send the pictures and you didn't select all the pictures that you needed to send. This would be my guess. Dude, I don't even know what to do with you. Okay, well, this one's in collections. Applied bank. That's a credit card. Yeah, but it's in collections. Yeah. Why? So that would be whenever I tried to buy the company. $525? That's all that's in collections? No. I tried to buy the company. I was working for salary for this guy for$60 ,000 a year. I had a credit card. I was doing good. I was making my payments. When was that? Two years ago.

1:24:09You didn't file your taxes? And you were on benefits? Well, he made$60 ,000 a year? Was I? I hate this country. No, I don't think we're right. We're not going to last another 250 years. I don't think she was at that time. No. Yeah, I couldn't. Yeah, I don't think she was at that time. You guys had no benefits whatsoever? No. No, not at that time. If you say so. But I was clearing like$1 ,000 a week. We had less. So I basically lifestyle inflated. I took on two personal loans. I had a credit card. I was making the payments on all of them. To buy the business? No, this is pre-buying the business.

1:24:39So I wanted to buy the company from my boss. He wanted to get out of mowing. I'd been working for him for like three years at this point, doing everything besides basically cashing the checks. So I'm like, you know what? I can start my own company. He's like, well, I'll sell you mine. And I'm like, okay. So he tells me what he wants for it. I don't have the best credit. I contact SBA. How much was it going to cost? It was like$120 ,000 for all the equipment, all the clients and all that stuff. Sure. And so I contact the SBA lender. She goes through my credit report. We get everything where it needs to be.

1:25:11And she's like, well, you need a cosigner. and I'm like okay well I could try to find one so I reach out to a bunch of people can't get anybody even if I offered them like you know monthly payment or percentage or anything like that and I was like I'll ask her grandpa and he's like yeah I'll do it bring me a business plan show me all the you know business revenue everything they make what they're doing and I'm like all right cool so we get going go back to her she's like we could do it it's going to be a variable rate loan and he was like yeah I don't know about a variable rate loan I talked to another guy.

1:25:40He said the same thing. So then my old boss was like, well, go to my bank and ask my lender. And so I go to him, talk to him. Is this ending with you didn't get approved? I didn't. Well, because the other lender gave me an option. He said, do this, this, this, take care of these on your credit report and we'll talk, we'll get it done. So it takes me like three weeks. I get everything paid off. I go back to him and then he's like, yeah, we're not going to do it. Okay, wonderful. Great. TBOM. You still owe on it. It's not in collections. $1 ,055. It's a credit limit of$1 ,000. Minimum monthly payment$53.

1:26:16Don't know why the fuck it's over the limit. Can't see your spending. And that'll be kind of what's happening. This is a collection. I don't know what it was for because it's a part of the collection agency now, but it's$850. You didn't answer why things were in collections, though. because I that was my question because once I couldn't get the loan for the company I had already started marketing I had already started marketing for my business and I that was moronic no because how else are you going to get a business off the ground no it was planned to go through this guy made it sound like the banker made it sound like if you get these things done we will do the loan if you didn't sign I wouldn't put money behind it I was prepping, rolling trying to make sure that as soon as we hit the ground we're running that's why he's in this position and so yeah keep defending that here's the other thing my cousin comes up to me who's been roofing for like 15 years and he goes look you do the lawn care stuff i'll handle we can open a roofing side of this company as well and i'll be the project manager basically doesn't mean you should be doing all this money behind marketing before you own the business yeah i understand that so what the fuck are we talking about i get the roofing supplies i get the roofing materials we start doing some roofs okay so everything is taking off i tell my boss hey i have to quit this roofing stuff is going along i'm taking on landscaping jobs i don't have time to dedicate to your company and my business so i put in my two weeks and then turns out my cousin who told me all the shit that he could do with roofing had no idea what he was actually doing couldn't project manage anything just like you that's crazy yeah so i don't know what the didn't have a job okay credit cards didn't pay you ask how that happened there you go that's how What happened?

1:27:54Okay, student loans. Who's this for? Me. Okay, it's not huge. What's the... What's going on with it? I went to do online at WGU for an accounting class. I had a... You haven't made a payment. I had a PEL or a FAFSA. WGU. Everyone WGU, man. I ended up dropping out. Why is your governor's university? It's like fucking... So it went to, I guess, default. Okay. $2 ,437. Are you making payments? No, it's on hold or I don't know what happened with it. Well, you would have requested it at this point because it wouldn't be automatic. Yeah, I did like, I don't know, two years ago. I have no idea what's going on.

1:28:35Well, you should look at it because that actually might f*** you. And they'll put it in default, like 11 % of student loans out there. So call them. Again, it's hard for me to give advice without actually seeing shit because you won't give a shit.

1:28:50Okay, collections. your student loan payment by the way is probably like 30 bucks okay I'll look into that one yeah I'll look into everything actually would be preferred because I don't have information okay collections 3 ,420 probably for the roofing bullshit the bullshit bullshit bullshit no one was a personal loan for it was that LVNV funding yeah three of them are yeah one was for like carpets yeah you own a home guys these are the guys getting a home all you have to do is scam the system you know get a home no we bought that like 10 years ago Yeah, we bought it before we started scamming the system.

1:29:22Long before that. And then inflation happened. This episode is brought to you by Facebook. So you were scrolling on Marketplace, and there it was, the bike you'd been searching for. You sent a message, and it turned out the seller was super chatty, kind of funny, and an avid cyclist. The next thing you know, you're in a cycling crew. Well, a community cycling group. The thing about Facebook, you might find more than what you're looking for. from a browse to a bike ride. This summer, find more on Facebook. Wait, what? Huh? You only owe$43 ,000? Yep. $4 ,300? Or$3 ,400. I don't know,$4 ,300. Whatever it says, yeah.

1:30:04Oh, yeah,$5 ,759. It's almost paid off. We bought it brand new in 2016. Brand new what? 2016. Trailer? Uh-huh. Oh, okay. You guys are not homeowners. Gotcha. No, we own it. Yeah. Well, after that. Yeah, not a home. You own a trailer. Right. It's an appreciating asset. It's a house, you don't own a home, and it's a depreciating asset. Do you own the land it's on? No. Okay. It's not a lot. This isn't, that's not worth it. You'd be surprised what they sell for. It's better than before, I'll give it that, but you certainly aren't getting like the real estate market value, and you definitely don't own land.

1:30:33No. Affordable housing. Child support enforcement? Yeah, so that was supposed to be written off whenever. It's closed, but it's not off your credit. The payment is 100 bucks a month. Yeah, we have, I have 50-50. You owe 7 ,749. It was supposed to be whenever I was getting that loan. My ex wrote when I was trying to buy the business. She filled out a form to get that stuff taken off of my credit report. Well, it's there. Are you making the payment? It didn't go through. No, because we have 50-50. I pay her. Let's let that go to collections. Okay. This Amazon card,$139. Yeah, that'll just be paid off with one payment.

1:31:12So we're not going to worry about that. Upstart, what's going on here? Oh, it's in collections. Yep. Yeah, that's wonderful. listen to him for advice $502 first premiere in collections $6.58 this is what you want to be with car hey it's active what is it what do we have what's the it's a car probably my truck it's a vehicle yes okay what is it uh 2003 Ford F250 okay oh okay how is it $8 ,022. Does the job. Payment$332. I don't know the interest rate. 25%. 25 %? Why? Well, because you have a ton of collections. Because you refuse to be a responsible adult in any aspect of your life whatsoever. True that.

1:32:05That's pathetic. You want to be with that? Yeah. Yeah. 25. Of course. I just got another truck. I just got another truck. I mean, I've honestly given up on yours, Lovett. So it's a typical value for that car right now. It's about$5 ,000. It has to do now. It's less than that. Oh, great. Well, you owe those$8 ,000 and 25%. I mean, guys, I don't know. Just the way you live life is kind of pathetic. Your worldviews are kind of pathetic. It's just like, what hope is there? Little. But let me try to do a budget, I guess. Your minimum fee payments, and yes, this will constitute a mortgage because it's not really a mortgage.

1:32:35It's just a loan on a depreciating asset. It's a lot. It's a lot. I mean, it does depreciate. $1 ,105. Yes, it does depreciate. Thank you. 100%, but we're going to get all of our money back and then some once we sell it. So at least we had a place to call home for 11 years. It's an asset. I'm not trashing that. I can't give it the benefit of real estate. Okay. It's not real estate. Okay. You're right. It's not. It's like personal property, right? It's like a vehicle. Is that how they label it? You own a vehicle. Yeah, personal property. Whatever. I don't care. Income. Are you setting 30 % aside for taxes?

1:33:08This year, no. No. Well, I'll give you an income of$5 ,000 because you should be. All my deductions, there's no way. That's why I'm not. Yeah. I would love to see you get audited. What is your rent to the land? $410. Okay. Utilities and everything, does that come with it? No. Okay. What's all utilities combined plus internet? Just electrics,$180. Internet's$50.

1:33:34Okay,$230. Phone bill, how much? $246. Woo! Why? She has a new phone. Your financing? When you guys are done, I would just switch to Helium. It's$15 a line. It is so good. There's kids' lines as well with great protections. I think like$0, by the way. Same coverage as T-Mobile and stuff. So I would definitely do that, but you have to pay off your phones first. Gas, vroom, vroom, drive, drive. How much? That's a hard one because of what I do. Average. I mean, last month I spent$3 ,700 on gas. Okay, perfect. Car insurance, how much? That is$250. You have insurance on the house? It's included in the mortgage.

1:34:13Okay. Necessary food. It is a little difficult with that. I'll give you guys like$1 ,000. I think you should be fine. You're just meal prepping like crazy. You probably eat out like crazy. I just can't see. I want to meal prep because I spend$10 a day. Yeah, you do. It's insane. Absolutely. On flatbreads. If you find anything else you and your kids need to survive, it's$300. It's toilet paper. It's school supplies. It changes month to month. Medical health care. Are there co-pays on a monthly basis? I don't go to do anything, so no. Okay. I guess we're on government. Yep, okay. Subscriptions, I'll try 50 bucks, 60 bucks, because, you know, the kids and everything.

1:34:49You have pets? Yeah, you have the dog. Just the dog? We have two dogs, two cats. Okay, fuck. Yeah, honestly. That's$200 for pet insurance. You want to keep them alive, and certainly you can't afford what? You don't care? I'm not doing no pet insurance. Okay, he's evil. Why are you with us? I know, he literally doesn't care about animals. It's the same way that I do. Okay, like we talked about the upbringing. When I grew up, like, animals were just like pets. They're just pets. Hey, guess what? People love their pets. They live their pets. As you've established, how you grew up was not good. Made you become a decent human.

1:35:18They're fine. That's weird. Pet food, how much? 80 bucks a month. I have everything written down. We went over it, and I would say for litter and food, litter and food, I would say like 200 a month. Jeez. Litter of food between both cats, both dogs, and the litter. And the litter liners. And we have an automatic litter box. Which is like a gym. That's 75. Oh, gym 75. $80 for the animals. That includes litter and food. $160 is my kid's jujitsu and kickboxing. That's in the TP fund. Where you put it is where you put it. $150 a month on a trailer that I own. Like a utility trailer. Well that's a debt right?

1:36:00For work yeah. Why didn't I have that debt? It's probably because it's like a rent to own type shit. I don't know if it pops up on your credit. No probably not. Okay. Anything else? Oh, yeah. $240 a month for her blowy thing. Blowout? My portable breathalyzer. Oh,$240? Well, you do have to do that. And then$600 a month to her grandparents. Do we have to do that? Yes. Why? Because they're the ones who paid for the DUI. They have said several times that they're okay with us waiting until we're at a better place. Oh, no, no. What's the balance you owe? I just paid him$500 like two days ago. $600 a month for how long?

1:36:44$3 ,000. Okay, so there we go. I'll add three to the debt. It's$8 ,000. Hey, the rent to own, how much is that? The trailer. How much do I owe on it? Yes. Like$1 ,200. I have to add that to your debt. Okay, if$7 ,000 comes in and we save no money for taxes, you technically have wiggle room of like$1 ,500 a month. I'm going to guess because your guys' budget is messy and weird because I don't know your income's f***ed. But if you actually set aside money for taxes properly, then you'd be fine. I don't know. Your debt situation, you owe like$18 ,000 to the grandpa, right? Or something? Eight. Eight.

1:37:16Okay. She crashed her car without insurance a few years ago. They co-signed for it. Oh, good. Why not? So what's your debt? Like$32 ,000 actually in reality? I don't know. Again, it was a mess. You couldn't send us shit. $1 ,500 a month? You guys will be debt-free in less than two years. Whatever. It's fine. I have no debt outside of whatever's on that credit report. No, you have the rent to own and you have the family. Yeah, no, I mean collections-wise or anything like that. Okay, that's fine. Collections has not been... My credit cards were paid up at that time. Whatever, guys. Okay, less than two years.

1:37:46This is a mess. I can't do it for real if you don't give me the actual shit, and I can't see the f***ing statements. So what a f***ing waste of time. The post show will be better because I'm actually going to go through something fun. Whatever's hiding on that Snapchat is f***ing crazy, and I'm excited to see it. Let me tell you, it's going to be crazy. Join Hammerly. Let's get your Hammer financial score first, your real one. Spending and a budget? Can't tell your f***ing spending. So X, go f*** yourself. How common is it zero? Because you can't send PDFs, debt. You have collections, zero out of 10.

1:38:12Emergency fund, didn't see savings. Zero, no. Zero out of 10. Retirement, zero. Retirement, zero real estate. You don't own land. You don't own real estate. That's another reason for the Air Force. Okay, Hammer Financial Score, zero out of 10. I don't give a... Let's go to the poster. This is f***ing stupid. I'll see you there. Join Hammer Elite. Three premium shows. Better than the last 20 minutes of that piece of shit. I'll tell you that. Every single day. Six days a week. It's incredible. Join by clicking the join button or link in the description below. or you can go off-platform Hammer Elite.com or join in the Hammer Elite app.

1:38:38See you there. Oh, lots of messages from people. Some women, some men. He asked, what are you comfortable with? Nudes in the bath, good, full body titties, ass, late. What? Yeah, what the f*** is that? She said, I know I said c*** knows about it, but he doesn't, lol. Oh, crazy. Hi, you can save those pics, but can you delete them from chat just to be safe? Don't, you don't have to. You can read it right there. Crazy. No, I'd rather you don't read the whole conversation. It's not very much money. I go work 12, 13, 14 hours a day. What is this? I just launched the brand new Hammer Elite app available on every major platform.

1:39:14So you can watch every show anywhere you want. You'll get three exclusive dedicated shows every single day, Monday through Saturday. Refer a friend after you sign up and you get an additional 30 days of Hammer Elite access for free. Download the Hammer Elite app by using the link in the description or pinned comment down below. This is the best membership you'll ever join And that's a promise.