$160,000 Of Weed Debt | Financial Audit

22:38Your boundary doesn't all of a sudden entitle you to be a moron. Like this is your enablement no longer. You not thinking is you fucking up your life, but what am I going to do with that? I can't do anything. I don't give a fuck and I have no sympathy for it. You're just choosing not to, and you're falling back on that excuse that other people have allowed for you to excuse your behavior. Grow up. I know that there's like, I know I need a new job and I need to find something before I quit. I'm too comfortable with not like, my job is easy. I don't have to do much. And so I'm too comfortable. My job is easy.

23:17That's why I'm quitting. I'm quitting because I'm not making the amount of money that I need to be making. And you haven't asked them once. You haven't even literally brought it up in a singular conversation. I was told something about the management position, and then ever since then, nothing else has came up. Don't care. You haven't brought up your pay. At all. Not once. 12 an hour. I don't care. You haven't brought up your pay to them. One time. Oh, yeah, no. Stop bleeding out money making minimum payments across multiple high-interest accounts. Most Americans are spending hundreds, sometimes thousands of dollars that could be going toward actually paying down debt instead of lining some bank's pockets.

24:01And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal. This isn't a magic bullet.

24:38If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate check out the link in the description below to see your personalized offers or go to calebhammer.com and remember you still got to do the work you suck with money so you download a budgeting app you start with the classic one why nab 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 gonna force you to use it his way that's not very personal finances rocket money they got a lot of commercials but but they're owned by Rocket Mortgage.

25:22Guess 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, start the free trial, DollarWise.com. Link in the description below. If you're incapable of doing that It's not even confrontation Just bring up a conversation At least drop it as a nugget Bro, you're incapable of doing anything How you wake up every day I don't even know You're incapable of anything Are you not hearing that yet?

26:08And that's what you want to be with? I'm so confused on that I could never handle that in my life She can't do anything Anything She did get to retire me for a few months When she got her dead uncle check Yeah. I got a$122 ,000 inheritance check. To then which we like blew in a year and a half. Two months? A year and a half had what? No, it was about a six. It was like eight months. I what? A school bus that we converted. We decided to chase his dream. Your dream's a school bus? You... It was his dream. It's pretty cool. That was not my dream. And? And we converted it into a mobile home. For$120 ,000?

26:47No. No, that was only maybe$40 ,000. She thinks it's 60. I say 30. So we meet in the middle and say it's about 45. What? How does that even work? How about you just do the math? We did. And I swear it was only like 35 ,000 that we spent into it. I feel like it was more. No. Because we sat down and did the math. I don't care. Besides the point, yeah. Oh my. And? Where'd the rest of it go? I did quit working for six months. What? I was building the school. I was building it out. So the plan was. That was your job was building on a school bus? Oh, you suck. Oh, you suck. equally now. Buddy, no one would survive off$120 ,000.

27:25No, as we learned, it went pretty quickly. You thought you would make it to death? $120 ,000? Then how can you take time off work? Because that just needs to sit there. It needs to grow. You just lost millions of dollars if you put that in the marketplace over the course of your life and compound growth. Millions lost! Yeah, it's a big regret. And what's the situation of the school bus? Right now, it's parked in our backyard. But it's making us passive income, I guess, because my brother lives in it, and I charge him$450 a month to live in it. Why don't you sell it? I don't want to sell it. I don't care.

28:00Because I want to take trips in it. When? The plan was to travel and live the van life. Yeah, but how can you? You guys don't make money. And start making money? And now you do HVAC. It's not a... It's not easy to travel. No, exactly. During the winter, it slows down a little bit. I'll be able to. Take some nice winter trips. And her. Now streaming. Disney Plus invites you to go behind the scenes with Taylor Swift in an exclusive six-episode docuseries. I wanted to give something to the fans that they didn't expect. The only thing left is to close the book. The End of an Era. And don't miss Taylor Swift, The Era's Tour, the final show featuring for the first time the Tortured Poets Department.

28:50now streaming only on Disney Plus she works part time she can probably get off except she doesn't yeah it's like mostly full time lately what the f*** are you talking about dude sell this shit no I don't want to get the money pay off the debt no if I sold it I would be buying another bus and doing it again great process and the rest of the check just went to literally living because you guys wanted to sit on your ass for some months no living and drugs We were spending at least a thousand dollars a week on bud. A thousand dollars a week on weed? Yeah, for like a solid three months. What the fuck is wrong with you guys?

29:26Yeah. You guys are losers, man. You guys are f***ing losers. When was this? I'm so down. This was 2023. Bro, you guys were like 20. 2022. 2022, yeah. 2022 to 2023. You guys are f***ing. Yeah, we weren't the brightest. I didn't want bus. Did anyone have any advice? Did anyone talk to you guys? Actually, my dad. His dad said it was a great idea. My dad said we were stupid. Yeah. Your dad's right. What the fuck is wrong with your dad? Dad's a hippie as well. Hippie doesn't mean poor. Yeah, he kind of is. Oh, he is. Doesn't mean you have to be poor though. Yeah, he kind of pushed me into getting the bus because I've always dreamed about it for a while.

30:12I always wanted to do it when I was younger. and then, you know, we had the money and we were looking at buses, talking about it and he kind of pushed us into doing it. We get swayed into things relatively easy. I wanted a house and or a new car. A house? You want to buy a house? That's what I wanted to do with the check and it was... That would have made sense. At least that's an asset, relatively. A bus is an asset too. Sure, but you say at the high end, $45 ,000 of the$120 ,000 went to that. So at least with$120 ,000 put in a house, you couldn't touch it. I mean, it's something to live in if we ever are homeless, so it is a house.

30:46Why would you ever be homeless? How about don't f*** up? That's the plan. Uh-huh. So sell it then. This is so stupid. Well, it's still an RV, basically. I can use it to travel. Okay. Are you guys ever going to get joint, though? So that we both have eyes on the money as a full picture? We're about to enter marriage in June. I feel like that's an after marriage thing. Maybe, but are you even going to do joint? If she can control her spending a little bit. Yeah. Well, or can you control it? I want to. I just never have. If the card's not in my purse or not around me, then the money— So, again, you're incapable of doing anything.

31:20Yes. Someone else would have to do it for you. I'm incapable of holding money. Why are you marrying a literal child? This is a joke. This is pathetic. Guys, you are not headed in the right direction. She was literally— She's already considering starting an OF to sell her feet that look like children's feet. We've talked about it. Gotta do what you gotta do for a paycheck. Or just work. Get a real job. Why is the woman's only excuse in 2026? I know, right? Is to, yeah, that's your potential wife. No, that's why I talked her out of it. We never really considered it. Can you talk her out of it? What do you mean you never really considered it?

31:58You were considering it. It was a, like, last resort not likely happening. You're about to quit your job and not have a paycheck until training starts in June. Last resort becomes real quick Wait Okay, whip them out Put it on the table Let's see what we're working with My feet? Yeah For free? Yeah No, my toes aren't done Do them Whip them out Let's see if these are worth payables Not really a feet guy But let's find out Chat, what'd you pay for these? Don't, no, that's weird Hey, let us know If it's good money I mean, we might have to start it Don't look at the bottom of my feet. Okay, they just look like feet.

32:38I mean, I'm a little confused. They're small. They look like child's feet. I have tiny... Do people even know proportions via picture? Maybe. If you put it next to like a banana? A weirdo's gonna be a weirdo. A weirdo's going to be a weirdo. They'll ask for you to like piss on your feet, yes. But I don't know about like... Oh, God. If it's for children. You know? Yeah, I always told her I'll pick up some side jobs or do what I have to do before we start doing that. Because she, again, is incapable. of anything. I can do things. What? Whenever. What have you done? What the f*** have you done? Because in this conversation, I haven't heard shit.

33:12I had a$122 ,000 check. Yeah. Your uncle died. That's what you accomplished? No. Yikes. That sounds horrid. That's it. Right? You spent it. You weren't capable of managing it. Very true. I, you know. So what the f*** are you capable of? You said, I can do things. Give me an example. You can't even sign up for a course at a community college. You're broken. I have looked into them. Oh, good. She's looked. She Googled something. I don't know what I, like, it goes back to, I don't know what I want to do. Okay, take an assessment. Have conversations. Look things up. Read a book. That's your fault, your problem.

33:49Figure it the out. You might not have a perfect situation, but you will at least lean towards something that you would want to do more than something else. I told her always if she doesn't know, she could start getting into, like, scheduling and phone calls and customer service to help me whenever I want to start a business. Oh, for f***'s sake. Oh, my goodness. This will be the biggest business failure in the history of the world. He's already had a business failure. Yes, I'm not surprised. What was it? I helped a buddy of mine start an HVAC company. It was actually pretty successful. Oh, yeah?

34:21Yes. Uh-huh. A year and a half we hit our million-dollar mark. Wow, Anne. And his dad was our silent investor who helped us get started. Not very silent. And started pulling a lot of money away from the bank account before it was scheduled to start him receiving his payments. That's probably his money. That's the way he saw it, but his money was right in space. Was that the way he legally saw it? No, because legally he wasn't supposed to start getting paid yet. Did you guys sell him? That was between him and his dad, and I kind of gave up on everything. What percentage did you own? See, that was the other thing, right?

34:54The talk. I always own 10 % of the business, 10 % of the business. But whenever I ask for paperwork. Buddy, why don't people like you get things on paperwork? I don't get it. I don't know. And that's where I screwed myself. And I just walked away from it because I did so much for that company. Okay, well, he got an angel investor of how much? I think he invested$150. Very good. How are you investing$150 into this business that you're going to take off and bring your wife away to do calls when she's incapable of even doing anything in her life? We don't need$150 to start. Sure, but you were able to get to a million dollars.

35:23and I bet$150 helped. $150 ,000 helped you get there. Does work vans and stuff and all that. Yeah, things, you know, HVAC. Yeah, that's interesting. Yep. I mean, I have a lot of contracts. How's the business doing today? Oh, they shut down a week after I left. Yeah, I don't think. But I still retain a few of those contracts from when I was there because they weren't in there for him. They were there for me. I just don't understand. Guys, how are you getting married in June if we can't have a financial conversation? If we don't trust the joint account because he's not willing to do a joint account with you because he thinks you'll just spend his money too.

35:57If you don't even have anything saved going into the wedding, how the f*** is marriage and a couple months even a part of the conversation? Hopes and dreams. Nope. We were technically supposed to get married last year. And? And we had nothing saved up. And you have nothing saved up. Yes, but now we have a venue picked out and set. So, and we've sent some invitations out. Very good. How much does the venue cost? It only costs$900. It's a really nice venue, but my boss helped me out with it. He knows the— And what about the rest? What's the wedding going to cost? The venue is like$900. I have a wedding invitation for you.

36:30Thanks. I'm thinking the rest is going to cost about$10 ,000. That's what it is. She says no. Very good. How much do you guys have? None. Nothing. Okay. But I was talking— We have a wedding invitation? Yeah. How are you going to feel when Brandon f***ed your wife on the wedding night? No, that's not happening. It's your biggest fear. We'll make it come true. Brandon, stay away, buddy. We did talk to my dad over the weekend, and he is helping us with a portion of it. We just need to get him. What's a portion? We need to get him the numbers of the vendors and cost. Very good. Thank you. Yes, you're very excited about this invitation.

37:03That's wonderful. Great. I would not come because I'm going to come, and nothing's going to be there because you guys aren't paying for this wedding. There's no way you can afford this wedding. I don't know what the f*** you're thinking. If I show up, I will be showing up to nothing. And here we go. I hope you're hungry for nothing. Not necessarily. We haven't picked anything out, but we're starting. You don't have any money. Her dad is supposed to help a little bit. Help a little bit of the 10. How much is he giving? He hasn't clarified. We have not clarified. So what are we talking about? Why the f*** would I drive an hour and a half?

37:36It's actually in Ciblo, so it might be a little closer than San Antonio. Ciblo? No one's heard of Ciblo. It's near Seguin. It's only outskirts of San Antonio. I've kind of heard of that city, but I know San Marcos and New Braunfels. It's right next to New Braunfels. Yeah. It's in between New Braunfels and Sardine. Okay, okay. San Marcos. Okay. San Antonio. Very good. And it's a very beautiful property. That's wonderful. None of this excites me because you won't be there. You can't afford anything. If I have to, I will be there with just me and her. I'm not going to show this because that's the real names.

38:05And my uncle who's supposed to marry us. And that's it. And I'll be happy with that. Guys, I just don't even know. I just, I don't know. If you cannot have a financial conversation, what's the point of anything we're doing here? learning how to have a final? Learning how to have the financial conversation. I've tried, but you won't even talk when I try to get you guys to talk about an argument you've had. She just goes, yeah. I shut down. She does shut down a lot, and that's why it's hard to have those arguments because she'll just start crying. Yeah, well, I heard you shut down the conversations.

38:35I do, too, as well. Okay, so she shuts down, you shut down. So where is there a conversation to even be had? Hardly ever. What was the last financial argument we've had? When we pulled up the statements. And what was your rebuttal? I thought that I had told him about everything that I… Like all of my debt. I thought I… That's not my fault. He didn't remember. I do have a hard time remembering stuff as well. Wow. Oh my goodness, guys. I have a lot of conversations that happen at work. This conversation is impossible. So I constantly am remembering a hundred different things from work and… Okay, so she's right.

39:08So you were wrong. She shuts down as well. Guys, you are not giving me f***ing examples. Are you incapable of conversations? I'm literally just trying to understand something in a conversation. Every time that we try to have the conversation, I'll say something and he'll get a salty attitude and then just walk away. And the conversation never goes. What does that look like? What is said? What's the dynamic? It's because she's asking for something. Literally anything, please. For f*** sake, guys. Why can't you answer this question? I don't understand. I kind of told you. This is pretty much how our conversations goes.

39:38She's asking for something. I say no because we're broke because I paid bills. No, she just said you said something salty. What is that? That's pretty much it. I'm broke. I just paid a bunch of bills. I can't pay for that shit. The conversation just never goes further from, like every time we've tried to have a conversation about the money. Why are you guys still together? If you can't even have a conversation, why has no one considered leaving? Has anyone considered leaving? No. I have in the past, but that's what pushed her to get a job. So only at the threat of leaving do you ever do anything in life.

40:06I didn't threaten to leave or anything. It was just more of like, I need you to step up and be a partner in this relationship. Which I did. I stepped up and I got a job. Yeah, so unless someone fully confronts you, you aren't capable of doing anything. I have a lot of issues with trying to do things by myself and get things done by myself, which I kind of attribute back to the way that I was raised and everything was just always done for me, which I need to break that habit of expecting everything to be done for me, and I know that. What do you mean? It's just like you say the right thing, you just don't do it.

40:40So am I confused. I'm confused on how there's any productivity to be had, even you leaving this conversation. And I'm getting a little more insight because thanks to Lindsay, she's actually able to have, she's able to say things unlike you guys. I don't know what your problem is, but she actually gave me an example. Thank you, Lindsay. Okay, so she asked you to take her on a trip to Las Vegas or New Orleans, and you said, shut the f*** up. Just on the phone. And they're like, it's like, what are we doing? Like, if that's how we're having conversations, you're right. Nothing ever will become productive.

41:14And when you say shut—I've never told my girlfriend to shut the fuck up in an argument. I've never—I've never just—the moment that would happen, no shush, she's going to shut down. What do you think is going to happen? She says shut the fuck up? Of course. It was joking around. Oh, was it? It's happened multiple times that sometimes it doesn't necessarily always feel like a joke. Mm-hmm. Cope. I don't mean it to be rude. doesn't matter she hears it you're saying that she hears shut the f*** up I guess I could be nicer in the way I say things but she and you blame her for shutting down after she hears that I don't do that every time after her guy tells her to shut the f*** up I do not do that every time not every time that's probably been one or twice well she might expect it going into it I like I want to have the financial conversations I want to be more a part of things it's he doesn't he doesn't talk to me about them what happens So he just says, shut the f*** up.

42:09And that's it. And walks away. Oh, I paid this. Blah, blah, blah. It's paid. This bill's paid. That bill's paid. And like, that's the extent to you. So why won't you let her in? I do. I let her know every single time I'm paying something. What? No. No, no, no, no, no, no. She wants to understand more about the finances. You're like, well, I paid this. I paid this. Shut the f*** up. I do not do that. That's what she just said. And you kind of agreed with it. So how are you saying no? No. I tell her every week when I paid something. I'm like, I'm paying rent this week, and then the next week I'll be paying utilities bills.

42:38Is that what you're asking for? No. Exactly. You're answering a question that wasn't answered. What are you asking for? She's always asking for random stuff, and I just ask the stuff. When, after bills are paid, we need to figure out what money is going towards where. We need it, like, we're supposed to be getting married, but we haven't, like, decided anything. And I, I guess I don't even do that myself, so. It's like every time that we've had the conversation about, okay, so what do we want to, eat? What do you, what bartender? It's, I don't know. I don't know. I, like, I can't, I'm not marrying myself.

43:10I can't plan a wedding all by myself. There's like no give back to the conversation. And I refuse to make all of the decisions for that by myself, especially whenever I'm not even the one like mainly paying for anything. How do I, like, I don't know how to. Sounds like she resents you for not having any money saved for the wedding. I resent not having the conversations about what we need to do in order to save what to get where we need to go. I mean, that's been hard when we spend it all. The conversations, asshole. That's what she's asking for. I'm bad at having conversations, I guess. Yes, I have learned that in 45 minutes.

43:48I want to have the conversations. They just make a no way. We do have those conversations. I just, I'm bad about making, I guess, decisions like that. I really, I don't have an opinion too much. I want the wedding to be. You don't have an opinion? I do. What do you mean? You clearly do. You just won't talk, man. And then you accept it as the W. And then she's just sitting there in silence and never having any knowledge of what's happening. I want her, the wedding, to be the way she wants it. It will be. I'm not marrying myself. Getting f***ed by Brandon. I'm not marrying myself. I can't make all the decisions.

44:20I agree. He gives no input. So why marry him if he can't have these conversations? Because one of the leading causes for divorce in this country is financial problems. Why are we getting into this, guys, when we both agree, though on different spectrums, that this is not working? I'm not saying you guys don't love each other. I am not saying that I want you guys to break up. But getting into marriage, when we literally cannot have these conversations, like physically, impossible. It makes no f***ing sense. And this is a couple months away. That's why we want to start learning. To be clear, she does resent you for not saving up money for the wedding.

45:00and not having those conversations that she wants to have. She might not say it, but she does. And you told Lindsay that you resent her for being growing up spoiled. There's resent on both sides. There's incapable of communicating, letting things fester. This is going to boil up into a big explosion someday. I don't want it to. Oh, very good. You don't want it to, yet you do nothing. What kind of response is that, asshole? What am I supposed to think? Think for a moment. I just heard you say, well, I don't want it to. What do I do with that? What do you want me to do with that information? I give you this big thing of what is happening.

45:37Well, I don't want it to. What do you expect from me? What am I supposed to do with that? Put yourself on the side of the table for a second. What do you expect? I haven't learned to have those financial conversations. We both grew up. Learned to? Yeah, I grew up in a family. Why don't you Google how do I have this conversation? Why don't you read a book? I don't read. I don't do reading. What up? I'm Jared. I'm 19. And I never fucking learned how to read. Well, yes, that is clear. Why don't you audiobook? Books are boring. So you're not willing to learn anything ever. That is not true. Why not look it up a YouTube video about marriage and finances, relationships and conversations?

46:15Why not advocate for couples therapy? There are so many things to do. You, in 2026, no longer get the excuse of, well, I never learned. You have access to everything. GPT, Grok, Perplexity, Gemini, all of them. Anything and everything you need right there. Claude. I don't. Talking to someone at work. I talk to people at work all day long. And? I love talking to customers. I can talk to them all day long and sell jobs. Obviously not what I meant to you. Asking a coworker that you're close to. You know, this is going on. What do you think? All of his coworkers are his brothers. Yeah, my brothers are the ones who work for me.

46:54both of you are c***s and bitches and just c*** pussies in this relationship. That might be the way you guys make it to the end of life together because neither of you have any c*** balls. You'll just be miserable and never financially successful as a couple. You'll be failures and losers for the rest of your lives because no one is willing to stand up and have a conversation. I'm working hard to have a good career. That doesn't matter if it all goes out the door and we're not able to communicate to prevent that. Dude, I've seen the highest income earners on this show have worse finances than the poorest.

47:30And don't forget, I want you to be on the next episode of Financial Law. Success isn't just about what you achieve. It's about how you achieve it. In the Notre Dame MBA program, you'll learn to look beyond quarterly results and build organizations that grow the good in the world through disciplined leadership, strong judgment, and a community that expects more from business. That's how Notre Dame graduates launch impactful careers at top companies across industries. Lead with purpose. Lead with a Notre Dame MBA. Tap now to learn more. So go to calebhammer.com slash apply or click that link in the description below.

48:07You'll have a great time and I'm going to roast the f*** out of you. That's kind of f***ing 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. Doesn't matter how much comes in. When you can't deal with this, y 'all are going to be miserable.

48:43Then you're thinking of bringing a kid into the picture? No, you guys disagree on that. I haven't heard that disagreement, but I know she wants to get bread to death. I'm not ready to have a kid yet. Well, I know. You can barely even stick it in when you're stressed by installing pipes. HVAC units. We lack communication skills between us. Oh, yeah? Oh, that's groundbreaking information. Every time we try to have a conversation, I'll get emotional. I'll start to cry. And then he'll just immediately leave the conversation. And, like, nothing ever gets resolved. I do bad with emotions. I don't—my dad always taught me— never to bring emotions into arguments because then it throws out the facts.

49:22Potentially, yes, into arguments, but does immediately just walking away and never resolving it afterwards fix it either? No. The anger just festers and then nothing ever gets resolved. It's like, I want to have the conversations. He just thinks that he can't have them with me because I'll cry. Okay, example. Try to have the conversation now. I want to know more about the finances and I want to be a part of things so therefore I know where I can help. Well, I pay rents$1 ,100, and that comes out the first week of the month. And then the next week after that, I pay all the utilities, which is about$500 to$600-ish.

50:02And then the week after that is car insurance, which is about$400-something, and then car payment the week after that, which is$500-something. And that's just kind of how I do it in my head. I don't, there's not much to talk about when that's all it is. Oh, don't talk to me. you guys are having the conversation. I mean, where are you?

50:24Is... Hold on.

50:28Okay, I'll jump in. The fact is, that example relationship is exactly how you guys described it before. She said, I want to be involved in the finances. And then you just went down the list of what you pay. How is that responding to her? That is her knowing. No, she wants to look at the budget, the income, the expenditures. I don't have a budget. I literally do it in my head just like that. Yes, if you guys sit down and build it out together. The answer to her question in worry is not used to saying, well, I pay rent and I pay utilities. What? How is that the answer? Yeah, I've shut down too. How do you respond to that?

51:08That's a horrendous answer. That's one of the worst answers I've heard in the show. Did your dad also teach you how to bring up with your responses? Yes.

51:19guys what do I think the financial score in this house is zero to ten zero being the absolute worst ten being the best one I think I took the score and I was one well you can take that score at Calebhammer.com see where you stand in the world of finances get your hammer financial score for free at Calebhammer.com it's pretty awesome thousands of you take it literally daily it's kind of awesome and also tens of thousands of you have downloaded and are members of the DollarWise budgeting app if you don't want to be like a guest who ends up on this show. So make sure you download that, test it out, see if you like it.

51:49And when you do, like most people do, you should sign up for the annual version because it saves you 50%. And you get my signed 30-day budget meal plan right here. This one I already signed. This one's for you guys. It is detailed, your 30-day meal plan, drinks, snacks, food, all the goodies right in here. It's awesome. I'll mail that to you after I sign it. Then you no longer have an excuse for not being able to meal plan, budget your meals. Everything like that. Even count calories, okay? So that's it. Let's get into these cards. What's happening here? Okay, very good. Why the f*** are we behind on making the Capital One Quicksilver payment?

52:28That would be her account. What is wrong with you, woman? I thought I would pay it off and use it for groceries and that... You thought you would. Yeah. That didn't... Why didn't it? Self-reflect! it's i would use the money and then uh something else would come up and then i would never like go back to paying it off i it was just like why i'm trying to get self-reflection in my brain if i pay it off like i make like two three hundred dollars four hundred dollars a week paying it off would take my entire paycheck and then i wouldn't have money for like anything else They have monthly payment plans.

53:09Why not make the minimum of$65? It's supposed to come out. It just comes out at the wrong times, and then I'm like, No, no. The auto pay does not come out after the payment is due. No. It comes out. Yes. I never have money in my account whenever it needs. That's it. It bounces. It gets sent back. Yes, this takes two years to pay off. the limit is$300 but you owe$433 $422.62 but you owe$300 what the f*** are you doing the fact that there's even transactions blows my mind I don't know how that even happened no that must have been that was a return payment and then a late fee on top of that yeah yeah that was the card I was talking about that we got in the car return ACH card payment 65.

54:04Why don't you have money in your checking account? Huh? I, my entire paycheck pretty much goes to groceries and then I don't really have money. Groceries and gas. That's essentially. That doesn't make sense. With the amount of money you said you make, which I'm not writing down because you're saying you're quitting by the end of next, by the beginning of next week anyway. So I'm not even taking an account for the household, but even still groceries and gas, unless you're just literally filling up like 10 Ford F-150s and feeding a house of 10 does not equate to bringing those paychecks to zero every week?

54:34Amazon. It brings, not necessarily Amazon. I go to the gas station a lot. Show me your Amazon. What are you getting at the gas station? Red Bull and snacks. Why even the one off? Listen, obviously I advocate for gamer subs because it's much more, much more makes sense financially. It's very good. It's wonderful. And here's the pack version. It is 40 cents a serving. Let me make sure. This one's the hydration caffeine. energy drink. Okay, this one's the energy drink. Here you go. 40 cents a serving using my discount code, Caleb at Gamersubs.gg or just use my link. You get the free sample, see what flavor you like, and then get it.

55:13Make your energy drinks at home like you make your coffee at home. It tastes better, like legitimately. And, because Red Bull's shit anyway. I mean, these are really good. And what? Red Bull is not good. Red Bull is amazing. Red Bull's not very good. I say this is good. This is good, right? Today we helped a latte for Sam coffee shop get an insurance quote simply and easily and made sure a floral delivery van was able to make someone's day. We're the Hartford with decades of experience insuring millions of unique small businesses. When it comes to your small business insurance. Thank you. One size absolutely does not fit all.

55:54Get a quote or find an agent today at thehartford.com slash smallbusiness. Pretty good. But this ain't up there with my favorite Red Bull flavor. Now, that one is actually is up there with my favorite one. Okay. Well, he must be more of a strawberry guy than peach. Yeah, but I still think Red Bull is pretty good. Red Bull? Yes. Bro, when we did the blind taste test, Red Bull was barely, it wasn't even close to the top. Well, which Red Bull were y 'all trying? Just the regular? Red Bull. Just the original? Yes, Red Bull. Okay, see, the original isn't that great. So use that, type in code Caleb.

56:22use this is your 40 cents a serving you're making it at home you're not stopping at the gas station but even if you do have to do red bull which i really don't understand why buy them in bulk instead of single use retards i've started doing that give me amazon um the last couple purchases only one of these was me the rest of them were him and his brother what was you show me oops snap clicking buttons um the one that was me we all do share an amazon account you're talking around your mic okay why are you doing nail shit your nails aren't even paint and they're cut. Yeah. So what the fuck are you doing?

56:55I've been like slowly teaching myself how to do that So how are you saying it's all Amazon that drains her account? Amazon and random other bullshit that she spends on. And then, yeah. All of the other stuff was What games? His Christmas and Where'd you buy any games? She spends a lot of money on her phone games or phone games? Sometimes I stuck really bad in my game and Huh? Yeah. She pays her way through games. No, why? Cause I just get stuck on a level. I'm really bad about that. What game? Oh, f***. She has like three or four games she spends. What, you spent$1 ,000 in two weeks on f***ing Sims?

57:31I did do that. Hold on, what's even purchasable on Sims anymore besides the DLC? But you do that once and it's done. Well, it's not 1 ,000. And multiple packs. She gets all the different types of packs there. I like rage bought pretty much almost every time. Rage bought? What do you rage? He made me mad and so then I was like. What? From what? I don't even remember what it was about. Try it. Probably something with his game. What? What about his game would make you angry for you to go spend$1 ,000 on Sims? Because I spent$10 on my game for skin or something. That's it. You got upset at him spending money on a game, so you spent$1 ,000 on Sims?

58:09I don't think that's what it was. There was more to it. We were arguing about something. Probably for asking for something, and I said no to that. and then bought the$10 in the game. And she was upset. And then what are these mobile games that you're just buying the f*** in bullshit? Buying coins to pay my way through. Gems and coins. Oh, my God. Candy Crush, Monopoly. No, you are not. Candy Crush isn't even, like, downloaded downloaded. I haven't played that in a while. Color Block Jam, Monopoly Go, and Fallout Shelter. Oh, f***s sake. Oh, my goodness. that took all those things have. It's so bad.

58:49Yeah, that you are doing. Stop. I think what also makes that worse is. They can't take accountability for anything. You've had two late fees this year on this card, which, by the way, was only two months of statements. So every month this year so far, you are late on. Yes, that's been late for a while.

59:12And you want to bring a kid into this? Not now. Really? I want to wait till we're after, like, I want to get married first and then kid. Great. Okay, so a kid in a couple months. Shut the fuck up. Okay, answer me this. You know, I love to ask it. Okay, I know your sex lives are rough right now, but when they're not, he sticks it in, right? Yes. Does he stick it in without a condom? I'm on birth control. Thank goodness. What kind? The thingy in my arm. Good. That's the best kind. Well done. That's the first time I can clap for protection on this show. That is one thing I am big on is protection in some type of way.

59:46Either it be a condom or the thing in her arm. We have never used a condom a day in our relationship. She's had the thing in her arm, yeah. Oh, you don't need to when that's there. Yeah. Well done. Twinkie for life. Might be why you're a ****, but. Potentially. I don't know. It's actually expired. It is expired. I need to go to the doctor. But in other countries, it's lasted up to five years. In other, yeah. In other countries. I take back my applause. How does this happen in every financial audit episode? That's why every intelligent person in this country is no longer having children. When they need to be the ones having children, it is literally the white trash or ghetto or poor mother that are breeding.

1:00:24And you guys will be breeding. I don't care. You're busting raw loads in her on expired birth control. It's been working still. Still, or you just haven't hit that window. So it's FDA approved in America for three years, but other countries it's FDA approved for five years. Yes, it might mean the 99 % protection might be 95 now. You want that risk? That's still better than a lot of other ones. It is better, but you want that f***ing risk? You want to bring a kid into this room and she can't stop buying gems? You can't even have a f***ing conversation? You think you'll ever talk to your kid? Your kid will have a f***ing issue and you'll never be disciplined.

1:00:57He'll never be disciplined. Oh, yes, he will. No, he won't. You can't stand up for yourself whatsoever. I don't do spoiled rags. You can't do anything. Yes, you will. Yes, you will. Not kids. You do here. What are you talking about? That's literally all you do. your life. That's why the first thing you said when you walked into this building for some reason, which blows my mind and has never happened before. So please make sure nobody my girlfriend. No, why that would happen? I don't know. But even still, I don't think it was on anyone's mind until you said it. No, no. I told Brandon to watch himself.

1:01:29And now right afterwards, green room. choo-choo! And you're not invited! You wish. Oh, God. Oh, like she'd turn down anyone here. Listen! I am happily in a relationship. I'm sure you are, and they always are. God dang. I need to go to the restroom. Pregnant b****s pee a lot. Hey, chill out. Chill out. You are so funny. She actually, we did actually have a scare a few months ago. Yeah, shocker! to nobody. Okay, I'm going to stretch my legs too then. Because I don't need to have a private conversation with you. Y 'all have really nice toilet paper. Y 'all got the expensive toilet paper. With this, I can keep it close here.

1:02:10We are filming. We are live. Oh, yeah. That was in the video. Shout out to Mark. Thanks, Mark. Thank you, Mark. But let's talk about the Quicksilver. Second Quicksilver. There's two Quicksilvers? Is this your Quicksilver or do you have two? He has one, I have one. Okay. The Capital One. Yes. Yes, the Quicksilver. Drake. I brought some packs if you want to rip some magic packs with me. Oh, thank you. Someone else already did that? I don't give a f***. It's not Pokemon. Pokemon's for children. It's Magic the Gathering.

1:02:51I'm further from that than I've even been to Pokemon, and I'm not even close to Pokemon. How much are you spending on Magic the Gathering, The guy that got angry at his fiance for spending too much money. I mean, he spent$250 on this card, which was accruing. So how much are you spending on Magic the F***ing Gathering? Rip a pack. Rip a pack, asshole. Rip a f***ing pack. All right. How much are you spending on this? What's the question that I asked that you will answer now? It depends. I mean, maybe you do. Oh, my goodness. Can you try to answer? $200 a month. Pause. This guy. Have you ever seen him have a conversation with someone before?

1:03:29Can he do it? Is he able to hold a conversation with a human being? Yeah. I don't know, man. I really don't think so. Rip. $200 a month? You're bitching and moaning over here? That's not bad. It could be a low car payment. I guess. My car payment is like$500. Well, yeah. You have a normal car payment. I got some good stuff in this, actually.

1:03:55Wow. Somehow you made it even less interesting than the previous card rip that someone did on the show. Good f***, man. See that? That's worth some money right there. Okay. I got a Teenage Mutant Ninja Turtle. Yeah, it's from the new set that just dropped, the Teenage Mutant Ninja Turtle set. So, childhood memories. I had to get the pack, you know. And then I may or may not have bought the Commander set as well. Oh, did you or did you not? He did. Okay. On the way here. What the f*** are you spending on a card that you cannot pay? Oh, Animal Center. Animal Cancer Center. Yes. Our dog had double ball cancer.

1:04:31Had? Yes, he's doing great now. Oh, he's alive. Very good. Yeah. Okay. We're good. So we just chopped off the balls. Pretty much. That's good. Why do you not have pet insurance? He's older and it was a pre-existing condition. You're convinced that your friend caused the cancer? That's what she thinks. She's dumb. I am mildly convinced of this because he would flick him in the balls. and then a couple months after that, we noticed that one ball just started to look a little different. And a couple months later, come to find out that he had a tumor on his ball sack. So I mildly convinced. Dude, I think you guys are just a little.

1:05:07Because here's the thing. Even just how your relationship started. Even just how your relationship started. You were dating with someone. You broke up with your friend because of Drake, actually. You broke up with your friend because of Drake. No. Not necessarily of him. Yes, your friend. It was. And you and your friend had a huge falling out because of your relationship with Drake. It wasn't necessarily, like, our relationship was a part of it. But she was, yeah. Her cousin was dating his younger brother. And then they broke up. I don't think that's the issue, though. I think the issue is that your friend thought Drake was toxic and controlling.

1:05:44Like, I'm glad you're bringing up that other thing, but. I don't see how he is. Sure, but your friend did. And that was the fight. So it doesn't matter about the cousin thing. I don't care about that. Her friend's dad was also a piece. Oh, very good. Why are you? Oh, my gosh. You guys seriously suck at this so much. I don't know how. I do not know how you are bad at this. The conversation that happened, the big fight you had with your friend, was on how he was toxic. And then you guys hear that, and you're like, well, his dad was also a piece of shit. Well, also, he dated a cousin. I don't care.

1:06:18I'm focusing on the thing I am talking about. your friend stood up to you because of him and you guys had a falling out because of that and other stuff not just me someone else want to finish this conversation they can't do this oh they can't oh they are so bad at this oh for fuck's sake not too bad is anyone going to tell me about that conversation or do we just want to talk about something else I don't know really how the conversation went that was between her and her friend. I don't understand, like... I don't know, you just keep saying yes instead of answering. We, there was, she said that he was manipulative and toxic and I asked her, like, how, why do you say that?

1:07:01And from her perspective, she says that he controls everything that I do and I don't see that. Oh, this is very good. I'm surprised I had to take five minutes to try to get that from you. Is that not worth something? The fact that you had to break up with your friend because they had a perspective that the guy you're with was maybe not good for you. I don't trust her judgment. Why? She's in the same relationship with the dude that's done the same exact shit to her. Maybe that's why she can see it. But if she can see it, then why is she still with that guy? Is she still today? Yes. They actually just got an apartment together.

1:07:31Better than you guys. You guys moved in immediately when you never even lived on your own. You know nothing but codependence. Yeah. Which is a quick and easy situation to fall into something that is manipulative. It's a rough saying of that word. And controlling. my perspective and the previous year like so far in our relationship I don't see it as like I don't feel like there's manipulation or like I don't I understand where she was coming from but at the same time I don't it's because I wanted her to get a job that's probably what it was that's the only what it is that's the only I really don't care what she does I she can do whatever she wants I'm not really controlling as long as, you know, I need help with rent sometimes.

1:08:16No, whenever I go down to the Houston area. No one has ever sent something as bad as, what the f*** is this, guys? What is that? It's like I've never had glasses or something. I don't know what. What am I looking at? That's, I guess, the screenshots from our screen recording of our credit karma. There was something that wasn't able to be sent over. I made it into a PDF, and I could see it on my end just fine. You look like a PDF. $413. What is that even supposed to mean?

1:08:48$413. Needs attention. National Credit Systems. Collections? Yes. For who? That one's on both of ours. That's for the apartment. Why did you allow an apartment to go to collections? Because I already paid them their money. It doesn't look like it, I would actually say. We moved out, and they called me a few weeks later saying I owed$700 in damages, blah, blah, blah. and so and I I owned up to it because I did we did have puppies at the time that kind of destroyed so I brought in $700 cash to the apartment complex did it say cash works yeah and I gave it to them I thought all was good and then a few months later I got a letter in the mail saying I still owed $400 something dollars well why not pay it so your credit's not listen I don't I don't like it I do not like it I agree but your credit is not it's it's it's your credit like I care about that more it's on yeah it's on I didn't realize it was going to go to my credit until I already went to my credit.

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1:12:11Type in code Caleb. That's two months of Magic the Gathering on your - A friend said if I wait long enough, they'll send me a deal for a lot cheaper. No, not necessarily. Well, actually, no, I wouldn't necessarily say that. Usually it's going to have to be you reaching out and negotiating, but even still, this is$413. I don't even know how much effort they're going to work on. I feel like I shouldn't have to even pay that$413. Agreed, I am on your side. Is that the argument we're having? No, but your credit is f***ed. Yeah, it's been getting f***ed a lot. Uh-huh, so on f***ed. She's saying she wanted to get a house.

1:12:43If you still want to get a house at some point, marriage, kids, who knows? We do. Certainly that birth control is not helping right now. The fact is, not with this. That would look bad. I mean, that's the smallest one. I'll worry about that one less. Or it's the easiest to get off. So fix it first. Moron. Oh, my goodness. But then I have to have, I don't have 413 just laying around for it. If you do two months of not doing Magic the Gathering, you actually do. But then I'll spend it on something else because I'll save it. Okay, don't. Spend it on putting it in a savings account where it goes to this immediately.

1:13:20I'll try to do that, maybe. Will you? Let's find out. National Credit Systems, 1 ,973. What's this for? If this is still all of mine, I believe. That's yours. That's not mine. Yeah, that's going to be for my appendix surgery. I think. Why didn't you get it on a payment plan? You didn't have insurance. I didn't have insurance or anything like that. No, why didn't you get on a payment plan for the 1 ,973 hospitals? Because my family told me not to pay medical bills. They'll drop off in a few years. Okay, you guys just received the worst advice from, like, everyone. It's just so stupid. That's so stupid, man.

1:13:55Is your family doing well? Not necessarily. Why are we listening to them? Because I didn't want to have to pay that right then and there. I wouldn't want to pay it either. Do we do what we want always in life? No. You wanted to blow$120 ,000 sitting on your f***ing ass and smoking weed. Was that good? No. Should we do what we want? You guys will be losers for the rest of your lives. Nah, I don't believe that. I do. Listen to your answers now. And lack of throughout this conversation. you guys cannot do anything in this world you're incapable you are basically mentally 15 14, 13 I wouldn't say that I would say that actually I don't care what you would say I really don't you are not you are not someone that has any worthy opinion on any of this look at where you are now your opinion is worth nothing actually your opinion is worth negative your opinion is in collections I don't give a f*** what you think When it comes to money, sure, I guess, when it comes to finances.

1:15:00Believe it or not, when it comes to money and finances, that's what we're talking about. I'm going to be a loser as far as life. I'll have a nice job. I'll start a company. Doesn't matter. I'll hit you up in 10 years when I have a nice million-dollar company. Yeah, million-dollar company. That was able to be accomplished because of a$150 ,000 investment. Nope. Yes, it was. All right, and you're talking about the last company. Yeah, the one that actually hit that number? Yes. Yeah, and it hit that number because I was there. Says every former employee. I mean, that's why they had to close down a week after I quit.

1:15:31Everyone, including myself, thinks we're worth more than we actually are and we actually have less of an impact when we're gone than we think. I mean, they literally couldn't run it without me there. There was probably more happening. Come on, looks like there was a lot of financial issues with Dad taking the money from the account. We found out he was taking money from the company account to go start another company. Well, there you go. I don't think it was you, guy. that is a former employee who thinks he delivered more value than he actually did, like every former employee in the history of every company in the history of humanity.

1:16:04I literally scheduled everything. Oh, wow, that's hard. Oh, wow, that's difficult. I did everything for that company. Uh-huh. Yeah, that's hiring another HVAC person if it's a real million-dollar company. Buddy, you're not that guy. You're fine. You're a good worker. I am that guy. No, you're a good worker. That doesn't mean you are the bread and butter in the sauce. I wouldn't say I'm the best, but I'm good at what I do. At HVAC. And plumbing and dealing with customers and scheduling and... Okay, those last two things are very easy. I do them now. Yeah. Contracts. I love closing the big contracts.

1:16:40Closing contracts? Yeah. You know, like new homes or apartment complexes that they're building up. Like we do a lot of work out here in Austin, San Antonio, Houston. The business you work for? Yes, the current business we work for. Chat. Chat. Save me from this one. Okay, who owes 949 in collections? I believe that is also mine. Oh, seems like you're actually the horrible one. That one is also for the appendix. I think that was the appointments afterwards. Payment plan. Okay, Midland Credit Management, 2079. That one's mine. Very good. We're back to Alexis being bad. What is it? After the dog fight, both of my hands were covered in really, really bad scar.

1:17:26Payment plans, guys. And I got laser treatment. Payment plans, man. I'm not saying, listen, I don't even like our health insurance system. Don't get me wrong. I'm not even defending it, but just I don't understand why you want your credit. Just allow it. I feel like they never gave me the option for payment plans, at least when I went in for the hospital and shit. They were just like, it's going to be$2 ,000 unless you have insurance. And I was like, I don't got insurance. Can I get on a payment plan? I have a question regarding that because it's through Care Credit. Well, this you paid on a credit card, so the credit card went to collection.

1:17:58You're not going to get on a payment plan for the credit card. You actually already had one and it was called minimum fee payments. You should have done that. That's that you didn't. This one's even worse because you're just a moron. How do I go about, like, I'm not able to get into that account to be able to pay anything? Like, how do I? It's because Midland Credit Management owns this debt now. You have to contact them. Okay. I wasn't sure how that worked I'm not even sure how to pay some of that stuff off You guys have never tried to look anything up in your lives I've tried to get into the care credit account Do you guys have phones?

1:18:28Do you guys have a computer? A tablet? Do you guys have the internet? Yes In San Antonio, I know it's like I'm not very tech savvy though Yes, Googling is very tech savvy I know San Antonio is like 25 years behind every other Texas city but you guys can use Google. Yahoo! Who uses Yahoo anymore? That was the point and kind of the joke, not very good one that I was making. Why are we late on our insurance? Some insurance. I don't even know what insurance. That's actually two months of insurance put together. Oh, that's wonderful. Why? And what insurance? Well, that's our car insurance. Losers for the rest of your lives and there's going to be a kid brought into the picture.

1:19:14Alice, our dog was going through the surgery and that was all expensive. And so I just waited. Wasn't it put on a credit card? No. No. How much was the surgery? After everything or on 5K? Between imaging, everything. We couldn't get pet insurance because after he was diagnosed, they won't take him. Well, yes. That's what I'm advocating for. Obviously, yeah, you don't get to. Hey, I need car insurance. I just got in a car crash. He's also old too. He's older. Well, that's going to make it hard, but that's why you should have had it before. I'm sorry. Pet insurance really wasn't a thing until he was already seven or eight.

1:19:51When was he seven or eight? Like two or three years ago. Okay, lies. I've never really heard about pet insurance. You've never heard of anything. Neither of you have ever heard of anything. You can't do anything. I've had pet insurance for almost seven years. I don't even got insurance on myself. Well, you're broken, do not have children, and hopefully that allows natural selection to take care of itself. T-Mobile, we're unpaid. 434 It's the same thing I had Do you do Helium Mobile? It's the same towers I can't. Why? I have everybody on my phone plan My whole family. Stop. You are an adult You are on your own.

1:20:24I don't give a f*** about them. I mean I do A little bit. A lot of them are my little brothers I also do not care. Your parents can be parents. Well that is the thing my dad used to pay for their phone bill and have it on theirs but then he would forget to pay so everybody's phone would get shut off This is not your responsibility. You can't take care of your own bills. You can't take care of your own bills. I still pay them. I never said I was on time. You're multiple months behind a lot of things. Get off. I'm catching up. Switch to helium. Shut the fuck up. And you used the mind card. Used previously the fizz card.

1:21:04Debit card that builds credit. Can't spend more than what's in your checking account. It's all what you people can handle. You can't do anything else. You guys are failures. Failures at conversations, life, and finances. Finances, sure. Everything else, yes. I wouldn't say everything else. Especially conversations. When it comes to finances, sure. Buddy, I try to talk about a lot of different things here. You could not do that. Revolving around finances? No, revolving around. I was just trying to get an example of a conversation you guys have had, and it required Lindsay telling me, you guys can't talk.

1:21:37We talk all the time. But you're just saying nothing. Yeah. Listen, when it's I got a gas, bullshit. When it's I got bullshit, vaping and smoking, so you buy from your own store. Sometimes. Loser. Bought from your own store. Loser. Tax pass. I don't even know what that is. Gas station. Okay, well, you went and got some bullshit because that ain't gas. Most likely a red bull. Was that your cash app or mine? That was way too many transactions to be mine. But that's her with my cash app card. The gas station ones. That'd be me. How are we even having unprotected sex with birth control that is broken when you do not have health insurance for yourself?

1:22:18Like, it's so irresponsible. And also, why do you not even have health insurance? Get just the critical coverage one that is, like, the cheapest there is. Well, because I had it. That'll prevent bankruptcy. And then my mom took me off of it right before the appendix thing, actually, so it kind of sucked. Does it matter? You'd be taken off in a couple years regardless. And then I had it again with a different company. and I left that company. That's wonderful. I ask why do you not have it now? Just because I never set it up. I don't know. Because you guys are incapable of anything. Waiting for my employer to be able to offer it so it's cheaper on me.

1:22:50Will they? Eventually. When? We just started the service side, so there's only three texts right now. So he's waiting until he gets a few more texts. You guys are incapable of everything. Okay, this might be. This episode is brought to you by Indeed. Stop waiting around for the perfect candidate. Instead, use Indeed Sponsored Jobs to find the right people with the right skills fast. It's a simple way to make sure your listing is the first candidate C. According to Indeed data, Sponsored Jobs have four times more applicants than non-sponsored jobs. So go build your dream team today with Indeed.

1:23:24Get a$75 sponsored job credit at Indeed.com slash podcast. Terms and conditions apply. Must be a car,$8 ,547.73 and a 13 % interest rate. Whose car? Hours. That's ours, but she drives it. What is it? Honda CRV, 2018. 2018. 13 % interest rate. Why? I didn't even know what interest rates were until after. Because we don't know anything. Because we can't Google shit. Because you guys are incapable of literally living. I don't know how you made it in here. I've never heard of roads. I've never heard of gas. I've never heard of putting in an address into a GPS system. It's worth, surprisingly,$10 ,000.

1:24:02So you guys actually have an equity position of about a$1 ,500. I wouldn't know about that. It's a little bit. You wouldn't know about anything. You don't have to say that anymore. I'm assuming that for every topic in the history of everything. Okay. You don't have to tell me. You're going to drop your kid on its head and you're like, I had no idea that that would be bad. I don't understand. I don't understand. I don't understand. Like what the fuck? You're the guy that the girl says, I had no idea. I couldn't do it without fucking asking. It's like, ah, you can't do anything. I would never do that.

1:24:34And I could do a lot of things. Would you even know if you did? Yeah. I think I would know. No, I don't think so. I don't think so. I didn't even know I had to wear a condom. I didn't even know vaginas is where the babies came from. I didn't even know. You don't know anything. I know a lot. Maybe just not when it comes to my finances. Buddy, you know HVAC and that's it. And plumbing. And carpentry. And a little bit of electrical. And trade work. I could build you a house. No, I would never trust you to build me a house. That is the last thing I would ever do. Allow in my life. $496 ,091. Probably a lot nicer than the houses that go up around here.

1:25:08But not nicer than the houses I own. $496 ,091 is your minimum monthly payment. Yes.

1:25:19Checking it out. Who has USAA? Me. Okay. $1 ,300 in there. Not horrendous. $25 ,000 Zelda. That was probably... Got some bullshit. Bullshit. Apple Cash money sent$140. $464. Must have been your deposit. Went inside, got some bullshit. Went inside, got some bullshit. Went inside, got some bullshit. Went inside, got some bullshit. $10 sent out. Went inside, got some bullshit. $21 went out. Cash app. What are we doing with all this? My brothers will transfer money to each other if we're at a store. Or they'll be on a job site and they'll be like, can you give me some drinks or food or something? And so.

1:25:56Oh. Or vice versa. I'll ask them to give me something. The cheeseburger stand. Groupon,$56. Went inside, got some bullshit. Las Palapas. Zelenai,$80. San Antonio Zoo. Cash up, cash up. Cash up,$170 there. Cash up,$150 there. Storage? You paying for storage? Am I? Yes. What storage? My postal? Oh, that's for my company, I guess. I have a DBA and I have to have a mailbox for it. Why not your house? Why use my house? So you don't pay? You can't. It's not my house, so I don't know if I can. I rent the house. I don't know. Even just pick a random, like I don't know. Well, mine was my house forever.

1:26:50Maybe I was doing that illegally. Did you own it? Yes, I did own it. I don't know. A place you rent? That's a good question. Actually, I don't have the answer. Fair enough. Okay. Hey, that's... Do you know? Exactly. And guess what I'm going to do? I'm going to look it up later, so I do. It's weird how that works. You know, when it's I got some bullshit, when it's I got some bullshit, catch up out, catch up out. The clothes spin, Disney Plus, catch up out, catch up out. Clothes spin is not bullshit. That is laundry because we don't have a washer and dryer in the house. You can't afford one. You could rent one.

1:27:23We could. We just didn't have space. We don't have a space to put a washer and dryer. We had the ability to buy one. Okay, calm down. Apple Cash sent out. Game, Xbox Game. I don't even know. Maybe it's Game Pass, but it just says Xbox Game. It's probably the Game Pass I buy from Marvel. Prime Video. iPostle Storage again, so two times in one month. It only should be once a month. Two businesses this time? No, it should only be once. Amazon Prime, Apple Bill, Apple Cash out. Zelle, Netflix, Microsoft, Amazon, Home Depot. iPostle Storage, Apple Bill, iPostle Storage. Probably they charge us much.

1:27:53$14 there. Yeah, you're getting this iPostle Storage. Dude, it's like... I didn't realize. I thought it was only supposed to be, it's supposed to be like a$5. Zelle, going in against the bullshit. Yeah, you don't, yeah, just fucking look at your accounts, asshole. Put it in a dollar. It's automated. It would tell you like, hey, what's this? This is reoccurring. What the fuck is going on? It would automate it immediately. Biggs 205 going inside getting some bullshit. Zelle and out 275. Your checking account started with 38 cents, ended with$6. What the fuck is wrong with you? Money doesn't spend my account.

1:28:18Apple bill, Apple bill. Going inside getting some bullshit. Maybe don't do that. Little Caesars, maybe don't do that. Apple bill, maybe don't do that. Little Caesars go in his箱 for the bullshit, maybe you don't have any money. Have you ever considered that? That's an interesting solution. Phone! Give! Now!

1:28:49Oh no. If you're looking for all the subscriptions, it's probably going to be on my phone. Give.

1:28:58Okay, Crunchyroll, Apple, one, and not Hammer Elite. You got just the thank you tier, which doesn't really make sense. Yeah, Hammer Elite Tour, the good one. It's three freeing shows posted every single day, Monday, Tuesday, Wednesday, Thursday, Friday, Saturday. I don't pay for it my own. I know, but the value for the money, it's the best there is. That's why it's number one. She's paying for Gmail and iCloud and Canva. What the fuck are you paying for Canva selling vapes? All of the wedding stuff, I've been doing it. Yeah, we can really afford a wedding$10 in savings. $0 in this one. Yeah. I think I only keep$10 in there.

1:29:30You owe money to cash up. Your account's negative$241? Yes. That's been negative for a while. Why? Same thing with my credit card. I borrowed the money and then I... I buy the money. Borrowed and then didn't want to pay credit. I buy the money I borrowed? What? I borrowed the money from Cash Shop and the Cash Shop borrow thingy and then like kept forgetting to pay it back and or just not paid it back. How much bad debt do you guys think you have? 15 to 20? I feel like mine's around like 3 to 4k. Personally. The household moron. Oh. You're getting married in a couple months. I'd say like 10. Okay, 22 ,000.

1:30:16That's probably with my friend's car in there as well. Is it? Yeah, I got a friend with a car. What? Tell me. I helped him get a car a few years back, and he was supposed to be making payments on it. You borrowed it, though? No. No, I was one of the signers. No, you co-signed in your friend's car? He was the main signer. I've learned my lesson. Have you? Yes, I will never do that again, but he crashed it. I guess the insurance didn't pay out all of it, so he still owed a few grand on it and he still hasn't paid it back. And I'm not going to pay it back. That's for him. Are you still friends with him?

1:30:52Yes. This is the same friend that I'm like mildly convinced gave our dog ball cancer. Okay, you guys are just pathetic. Yeah. In life. I'm so f***ing done. Your debt minimum fee payment is$586.91. $5 ,500 comes in. Maybe. I don't know. Your income is going to zero. What's your rent? $1 ,100. I'm going to call this friend in the post show and I'm going to f***ing yell at him. Okay, give me the... Good luck. I'm good at yelling. Give me the gas, electric, water, all the utilities plus internet. How much? $550. Phone bell, normally. Right at$496 or something. And you pay for all? They don't give you anything?

1:31:36No, so they will... My dad, he pays late. He will pay like three or four weeks late. Like he just paid me now. Okay, he's off. He's done. Get your own phone bill. We're doing healing. Do you guys own your phones or are they payment plans? Mine's still being paid off, I believe. Mine's about to be paid off. It's being paid off. Okay, then we'll do$140 for phone plan. Yeah, and all my brothers pay for this. Gas, vroom, vroom, drive, drive. Leave that phone plan. It's not an option. Like$200 to$300 a month. Both combined. Okay, car insurance.

1:32:12That's$390 something because it just dropped from$400 to$300. Pretty brutal. $390. Okay, food,$600. Use the meal plan. She crashes every car. I haven't crashed in a while. TP fun,$150. Anything else needed to survive? Makeup, birth control, whatever you need. All the good stuff. Medical, health care. Are there co-pays? Are there shit? I'm still on my parents' insurance, so I... Okay, I'm putting in$200 for you to literally get the worst health insurance ever, but it will prevent you from going bankrupt. Let's do subscriptions. 40 bucks. Pets. We have one dog? Two. What's the other? Health and age.

1:32:46She's five. Just turned five. Health insurance for her, 50 bucks. Pet insurance. How much for pet food? 40 bucks a week for the big bed? It'd be about 150-ish a month. Jeez. They're about 30 to 40 bucks a month. I don't know if you guys are in the world of being able to afford that, but we'll find out. Sometimes our dogs eat nicer than us. Our dogs are always fed. We might not be. Shut the fuck up. You guys are going in and buying bullshit every day. That is the dumbest shit ever. I've actually gotten better. I don't buy this. Oh, have you gotten better? Yes. For the past few months, I have not really bought lunch.

1:33:23Objectively, I have last month. Shut up. I'm so done with you. $4 ,256.91. I'm sorry if I'm being rude, but I literally have it in front of me. Shut up. I literally have it in front of me, asshole. You still stop in and get bullshit even if you pack lunch. which makes it even worse. Okay, listen, with the flexibility and weird medical shit, I'm going to say there's 1 ,000 left, and that's if you make your average of 55, whereas you just need to average out through the high and low months and save up for the low months. But even still, at least with that. So is your friend's car thing in collections?

1:33:59Yes. Okay, which one is that? Sanitate? Santander? Santander, yes, yes, because we're global winning. When did that go to collections? last summer. Okay, you want to have that credit for almost a decade? No. He did tell me last week that when he gets his tax return, he's going to pay it off. Okay. I doubt he's going to get$7 ,000. He has a child now. That'll help, but with someone? Yes. He's with somebody who has two other children as well. That tax return money is going to her with the child. He's not head of household. She makes more than him. And it's her house. I'm going to minus that debt for now.

1:34:38because if you focus on it, it'll be the last one because hopefully he grows up. But I have no hope in that. So bad debt,$14 ,724 with your obviously$1 ,000 a month. It takes 14 months, 15 months to pay off, then a fully funded emergency fund and then start investing because you guys obviously have nothing. It's all very basic stuff. The thing is, it's not complicated. You guys are just losers. You can't have conversations. You can't do anything. You can't talk to each other. You can't stand up. You can't advocate for yourself. You're going to quit your job. You say nobody hired. Like, shut the fuck up.

1:35:06Shut the fuck up. You will have a thousand excuses why this will not happen, but it's one of the easiest things I've filmed in months. Easy as that. I'm so f***ing done. I am so f***ing done. And sell the bus, pay off the debt. I can never. Okay, then f*** you. I don't give a s***. I don't give a s*** then. If you're not willing to sacrifice, I don't give a f*** about you then. Does that have to be a sacrifice? Yes. All right. I'm doing the Hammer Financial. Shut the f*** up. I'm doing the Hammer Financial score. Join us in the post. I'm done with you, dude. You're not willing to sacrifice? Die.

1:35:33It's making me money. Shut the f*** up. they'll make you more money selling it paying off the debt that have minimum payments dick hammer financial score spending in a budget zero out of ten they overspend by a few hundred bucks surprising it was only that debt collection zero out of ten emergency fund zero out of ten there's nothing retirement nothing zero ten real estate zero out of ten first then a honestly long while hammer financial score zero out of ten get yours and Caleb hammer.com join hammer elite the best membership on YouTube for a reason. For the post show, I'm going to call this friend.

1:36:05I'm going to talk to him. Oh, my. There is something crazy. Okay. Fuck. Okay, we got to talk about Mexico. Oh, no. Oh, God. The post show. What the? I'll see you guys there. No, we didn't. I had to bribe him to stay out of jail. How much did it cost to bribe a cop? Oh, my goodness. Dude, you could have got fucked. Call him. 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.

1:36:48Hey, Mama. Thanks for making all my favorite recipes. Hi, Ma. Thanks for your unfiltered advice. Hi, Mom. Thanks for always being by the phone. Hey, Mom. Happy Mother's Day. When you ship UPS Air at the UPS Store, your items arrive on time or your money back. Guaranteed at no extra cost. Exclusively at the UPS Store U.S. retail locations. Visit theupsstore.com slash air shipping for full details. Terms and conditions apply. Send your Mother's Day gifts at the UPS Store and we'll get your gratitude there on time.