$369,000 Of LGBTQIA+ Debt | Financial Audit

24:05I mean, the bills have been getting paid. Yeah, that's the most important. Usually when people say that, there are late fees, but we'll see. Oh, there's definitely going to be late fees. Even I have late fees. They're not being paid on time, but they were being paid. It pisses me off. How do we communicate when we sit down and talk about this? Run me through it. How do these conversations normally go? Let's see. We kind of, I mean, we sit down and we go through the bank statements. We go try to consolidate. Give me the conversation. What happens? How does this actually look? Because it has not worked before.

24:41Well, it's usually of a, hey, I'm broke as shit. Who says this? Who says this? I tend to be really broke at the end. And I would say both are. But okay, you walk up and you say, I'm broke as shit. Yeah, basically. And what's your response? Well, that's usually when we go into the, like, what money do we need in which places for what things. Uh-huh. And do we agree on all these items? Typically, yeah. Typically, yes. Okay. We do disagree on some stuff. What do we disagree on? It's the stupid shit that you bought recently. I don't know. What did I buy? Your stupid-ass PS5 Pro. You have your Kaiba briefcase.

25:20He's a gamer. Spends too much money on bullshit. Agreed. Probably. Okay. Yu-Gi-Oh! Collection, Pokemon, holy f***. Stick to one, dude. No, he has too much. And it's fine. It's cool. You know, whatever. You got your fancy-ass, cool, bougie shit that you may or may not use every once in a while, even though some of the stuff you've used or stopped using. Let's talk about student loans. I know it's something we all avoid talking about, but if your private student loans are crushing you, Y-Refi might be exactly what you need. They don't rely on your credit score alone. They look for borrowers who have the desire and the ability to repay.

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27:27The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. Or 10 % off your order at gamersubs.gg. Or click that link in the description below. Type in code Caleb. Yeah, I mean, we have the things. and I have the things because of my hobby hopping and because of the, like, I very much fell into, like, cope spending on nostalgia was what I was doing. Yeah, and I'm a hobby hopper too. I get excited about things real quick. You just have to, I'm talking. Finally, finish. What are we doing? Do you just not hear people?

28:06He likes to hear himself talk. Yeah, I like to hear myself talk. I'm the interrupter. In one ear, out the other. I'm the interrupter. Hear how I just said that? I interrupted you. That's what I'm allowed to do. so okay I lost my train of thought listen I'm a hobby hopper I get it but if you're able to acknowledge it of which you just did you need to stop yourself in the moment and tell yourself and challenge those thoughts yes and it's well he disagrees with this he says when you guys have these talks you're going and blowing on PS5 bullshit bullshit Yu-Gi-Oh bullshit bullshit I mean that Pokemon bullshit bullshit that was him getting into the moment I mean we're not having those types of talks in the moment when we're having talks about the finances.

28:46Well, shouldn't we? Because if that's where a lot of the money goes, if there's anything extra laying over, we need to decide where that money is going. But if it's all going to PS5, Yu-Gi-Oh's, bullshit, bullshit, bullshit, there is no money to go anywhere. But I'm not good about it, but he's good about it. He's got his stocks and savings and 401k that he's built up. I haven't done shit. I pulled all that out. That can be good. You can be good in some and bad in everything, but make the overall situation still bad. That doesn't matter. I mean, no, like, I'll compliment that when we get to it.

29:17I don't know what it is. We'll see. But this is a lot of paperwork. I don't think you understand. This is not a normal amount of paperwork for the show. This is substantially beyond the median, beyond the average. Okay, so you guys agree on most in this conversation and disagree on some. How do we approach these disagree conversations then? I mean when we disagree we generally try to find a common ground after a little bit of yelling do we actually are we both satisfied is there a winner is there a loser how does this look I feel like I typically tend to lose a little bit on it but at the same time is he the loser sometimes I mean I tend to be a little bit more overbearing in my arguments because I do get a lot louder when we argue together.

30:08Really? You seem very passive in this. He likes to make his points of that he's right. Show me who you are. What are you actually like? I mean, I want you to be you. I mean, a lot of it was just nerves and being here and getting to this point. That happens. That's okay. Just getting to that point, I'm starting to get more comfortable and I'm starting to be able to talk a bit more. It's okay. Don't you worry about it. I just want you to be you and I certainly want you to be comfortable. Yeah. But these conversations around finances, I usually start with this as the topic when it comes to couples.

30:41Because if I don't know how your conversation goes, how the f*** can we walk away from here and be able to change anything? Because it's all about communication after here. Correct. Okay, so we disagree on some things. You make your point louder. You walk away as the loser. so if he is oftentimes walking away as the loser and we are not actually meeting a common ground it's a more overbearing ground now I kind of understand maybe why potentially Mr. Autismo over here is not actually providing the change providing the communication because he always walks away feeling like defeated like he is walking away as the insignificant one in the relationship in the decision making Is that fair?

31:26Is that a fair sentiment? But then also he also needs to just kind of put a better foot down and be able to actually speak for himself because he likes to get to that point of, like, when I do get very, like, passionate or loud or anything like that. Well, you have to be able to advocate for yourself. He just shuts down and then he might leave the conversation feeling defeated, but it's not. Well, how hard is he pushing at that point? What does it look like? It just kind of depends because sometimes he's fine about it and sometimes he just goes over the top. Yeah, where you lose, though, where he goes over the top, what does that look like?

32:03Just kind of just hurts for a little bit and then I get the fuck over it. Why does it hurt? What happens in these conversations? Why does it hurt? What is over the top? It's just the emotion that goes into it when he's talking about finances. Tell me, examples guy. I can't give any examples. at the second part. Well, he's asking you to give an example of when you have felt hurt coming away from these types of things. I can't give you that example. Yeah, I know you can't. See.

32:37Yeah, sorry. There's nothing I can give you about that right now. What? Then how can you say it's a thing that happens if you can't even think of one instance? It doesn't have to be a detailed description of what's happened, but just an average shot in the dark, just normal, what it looks like. I'm like getting yelled at about— He's yelling. So he's yelling. Like this. He's yelling. Like that? At the end of the conversation because I tend to push it and I keep going. You're going like this. You're yelling. There's definitely going to be a point when I get a lot louder because, like, as you already experienced, he likes to— Yeah, exactly.

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33:44Basically, yeah, just tries to get the point through. He goes like this, where I just keep interrupting and shit. The shit and all of that is when he starts getting his feelings hurt, and that's when he starts shutting down and doing all of that type of thing. Which, I mean, it's fair. It's not necessarily the most healthy way to do the conversation outside of the show, of course. It's very healthy in here, of course, in every way whatsoever. It's so relieving. Yeah, and that's fair that he was shut down. That's a traditional natural response for most people. I think when getting yelled at and getting sweared at and saying racial slurs towards him and what else we're doing, you know.

34:21I think that is fair. Okay. Well, we'll probably loop back to that then. But let's jump into the finances. What do you guys think your household financial score is altogether combined? Two. Three. Yeah. If you want your Hammer financial score, get it for free at CalebHammer.com. See where you stand in the world of finances, where you need to do better, where you're doing poorly, and what you need to do to do better. And remember, if you don't want to be like a guest who ends up with the show, remember, they've been struggling to make a budget, struggling to stick to a budget. download the DollarWise budgeting app there's a free trial for you to just check it out see if you like it, new features being released every single month tens of thousands of active users for a reason, who are changing their lives because it is incredible it is exactly what you need to do to stick to a budget, to build a budget, to manage a budget check it out, free trial, DollarWise.app or link in the description below you can sign up for the annual version if you like it it saves you a lot of money, and when you do I will personally send you a signed version of my budget friendly cookbook and mail it directly to you.

35:19Both of those links are in the description below. Check it out. Let's get into this money because, I mean, again, this is not a normal amount. No. To consider you're getting on the right track, that's not possible. I just, based on everything I've seen four times a week, three and a half years, not possible. So grand vacations, what the f*** is this? Yeah, that's me. Oh, he's going to Mario Films. He loves Grand Vacations. Yeah, so I kind of got roped into that. We were at Pride, and I... At Pride. Where is Pride? Denver Pride. It's in, what is it, Civic Center? I was going to say, is there just one Pride?

36:03It's every year. Every year. Yeah, but at Pride, like, okay, Denver Pride. Yeah, Denver Pride, yeah. So you kind of got roped into it. I have issues saying no. And roped into what? I'm sure there's lots of roped in Pride. Not a timeshare timeshare. It's a fractional real estate. Ooh. So they offered two nights of estate at their lodge. Of course they did. Right. Yeah, I was out of the f***ing rope you in. Cool. And was it a gay lodge? No, it was actually the bougie lodge. We get the fancy bougie lodge at the top of the hill. Ooh, that I've literally only used like once a twice. You clean houses?

36:42You're getting a fancy bougie lodge? Nothing against those two clean houses. It's only like$12 ,000, right? Then is it the fancy bougie lodge? And what they showed us is really nice even though we haven't been in there because I've been using - You haven't been once? I've been to the place - Wait, when did you get this? Like a year or two ago. What? And you haven't been once? We haven't been into that hotel. I've been using the points and stuff that we could go do other stuff. What the f***? How have you not visited it once? I went there to go snowboarding - Who got sold on this? Were you there?

37:16I was there. And? I let him. Why? Why were you going along with this? He let me say yes on it. Huh? He let me say yes on it. Why? Because I can't say no, and we thought about. Who can't say no? You can't say no? Me, yeah. I mean, I feel like. Okay, so you walked him up to the pride booth and the. I walked up to the pride booth and he kind of did it over there. We were opening up into doing it. I'm like, okay, a little mini vacation. Let's go do it. It gets us out of the house and gets us going. So you'll have a maintenance fee forever, most likely. Oh, f*** that. Correct. Correct? Correct. Bullshit.

37:53Correct. Okay. Plus you owe on the actual share you've purchased$14 ,841.49 currently at a 15.9 % interest rate of death with a minimum monthly payment$268.69, 100 payments left. And we also put like$2 ,000 or$3 ,000 down. Plus an extra$50 to$60 a month for the HOA fee. Yeah, for the HOA fee that we don't pay outright. And we put it into a 10-month payment. Oh, for f***s sake. Yeah, because it's like$500,$600. I don't want to pay it all at once. Why would you get into something that is so f***ing hard to get out of? It's so f***ing stupid. I hate it so much now. Like, it's cool to get to go on these lavish vacations for cheaper.

38:40Go on lavish vacations for cheaper using travel advisors and bullshit. Cheaper, no cheaper. You're paying this forever. You got a 15.9 % interest rate. You can't use the word cheaper. You don't know cheaper. We're paying it for like nine more years. We pay it off and then we get an HOA fee for the rest of our life. What the f*** ever? Exactly. Will you ever try to sell this? Have you tried to sell this? I've considered selling it, but I haven't looked into how to do it. Why? It's been over a year. Also, how they also look into it is that we barely. right? Well, you're spending more than you make, so I would say yes.

39:14Yeah, sure, whatever. Yes! Yes! So, no, give me my cup. Fuck you, I purchased them. No, my cuppy. Damn it. So with this cool, like, we were thinking about, like, our parents said we could take them on vacations or give it to our family once we pass or whatever, because you could pass this on for the rest of your life to anyone else who wants to pay the HIV. Yeah, right? Gee. We've really utilized it and... You won't let me talk. I wanted to talk about how this is one of the better almond mom snacks that my HR person has bought. Because that was more interesting.

39:59We're using that snoot. I sniff everything. People tend to call me and ask me when's the right time to euthanize their pet. I even sniff the water if I drunk it. accurate. Why'd you lock down with this one? Such a curious creature. We did talk about it, actually, a long time ago. It was a very last minute in the moment kind of thing, right? More or less. I guess I chose him, but he kind of chose me too. You have to choose each other, because you'd probably clean up on Grindr. You're a twink who's a top. A twonk who's a top. Isn't that a winner? Isn't that a winner? Do we like those? You did your whole Grindr phase and you had fun with boys and stuff too.

40:44Yes, we did. Boys? Hold on. Not boys. Men, you know, have age. Duh. Oh my God, that's f***ed up. What the f***? No. You said boys. Well, I mean, that's kind of how everyone gays are kind of referred to, you know, boys. Woof. So. I don't know. I personally. He had his little moment of having fun with other people while we're still dating and stuff. tried to include me on that, but I was also kind of really always shy about it. So why'd you select this creature? Just look at this. Not looks, but how you're acting. Like, my goodness, I asked you a question and then he just rambled for 45 seconds.

41:22What the f*** are you doing here, dude? You could be cleaning up. And I'm saying this because I thought I was bi at the end of high school and early college. And then I decided, wait. Do you never leave one to me? Titties. Oh, pussy shit. That stuff is great. No. Men? I can't do that black hole. No, I'm good. I was talking about myself. Thank you. I don't know why we're talking about you right now. But then I decided that men weren't attractive in my early 20s. I learned. I'm so sorry. Okay, it's okay. I just noticed how you keep talking about yourself. So why are you with this? Because at the end of the day, he is very caring, very sweet when we're at home.

42:00And he does. So when he's in his crate. Hey, where should I be? The house. The house. Yeah, I'm a stay-at-home body. I don't really like to go out. Stay-at-home bottom, they call them. Yeah, so, I mean, ultimately it is that he is a good emotional partner, and he does take care of the emotional needs that I have very well. Yeah, I tend to his needs a lot. You're destroying your entire f***ing life, signing up for Timeshares. What are you talking about? You're going to be dragged to the depths of poverty because of this beast. It's only a few more years. No. What? No. Yeah, it's only a few more years.

42:36He will pay off one or four. The HOA. The HOA, no. They'll send you to collections. They'll destroy you. You could get a nicer house after. You could get a paid out off. He's still sold on it. Huh? He's still sold on it. I know. I'm seeing that. Exactly. Which is why I'm like, why are you with him? You can love someone, but even that person you love might be completely, endlessly tearing you down, and it might not be best for you to be with him. Agree to disagree. We all make bad finances. We all make bad finances? One, that's not even a sentence. Two, no. It's not a sentence, no. One, and then three, you're 30.

43:17You're not 22. What do these bad financial decisions or bad finances that you're making, as you say, at 22 would be understandable. Not excusable, but understandable. You're not! Scott, you're a grown-ass adult. Please. I'm only 30. Grown, give her another 10 years, and then I could finally maybe get my shit together. You're going to want to take 10 years? It shouldn't take 10 years to get your shit together. Back to differ. Are you balding? No, it's like gray hairs. That's not what I was asking. No, the balding. Let's not set that hairline. Let's see. Yeah. The balding runs in like my dad's side of the family.

44:00Why does he have a haircut that makes it look like he's balding? He can do so much better. You got the gay wheelchair glee haircut. I mean, he just doesn't do anything specific with his hair. He just kind of lets it lay. No, I just let it be. That's not a good thing. That's okay. Not that I have the best. I know I need a haircut and everything. But even... Okay, so... Yeah, this is shit. You're in this forever. And you're too passive. You're too passive. And then you blow up. allowing this to happen is disgusting. You did not advocate for yourself or your household. And then you just let it bottle it up and then you blow up in an unhealthy way that is an ineffective communication side, which means neither of you are able to get to any kind of point of making changes in this household and communicating effectively and putting it in an actionable plan.

44:52Because when you do make a budget, the couple of times that you guys have, there's disagreements and someone walks away as a loser and, you know, there's yelling involved. And so why would both equally follow that budget? They wouldn't. You wouldn't. No, and that's where we fall short. But you need, before making a big choice, to allow him to advocate for himself as well. You know, you got to make sure. Sometimes, even before I do small things, I really check in with my girlfriend and, like, make sure, you know, like, are you sure? Are you sure? Because, you know, I kind of know her. You probably know he wasn't for that, right?

45:27No, not at first. Really? But even he talked himself into it, too. We both kind of talked ourselves into it. Like, I was kind of, like, ecstatic for it, but also didn't want it. And then he was talking about how, oh, no, this would be really great for doing this, too. So we kind of just both screwed ourselves on it. We both didn't want it when we walked in there. We both said, no, we don't really want it. But I kind of was curious about it. All right, pause. And then he fucking got it. I think he wants to say something. You're a good listener. I can't believe you allow him to ramble as much as he does.

45:57I've kind of really had to learn to let people ramble. You shouldn't. I mean, both him and previous partners just kind of do that ramble, ramble, ramble, ramble, ramble thing. So it's definitely just, okay, fine, let's do it so that you shut the f*** up. That happens quite frequently. This permanent life-altering decision is, oh, just do it so you can shut the f*** up. Really? You live and learn. Die. And so you, he says that and you hear that and you think that's him supporting this decision. Yeah. And probably unconventional supporting in a way. Absolute. What is, I don't even know, man, with you.

46:39Okay. Best Buy. Was that your stomach? No. That was like the C. That was the chair. Someone took a big poop earlier. Who was that? Which one was that? Was that you? If you would like to know, yes, I did do that bowel movement in the bathroom. Why did it like? It's not good for later. It's not good, you know. Not good for later. I hope you brought a mobile douche. No, we already did it before we came here in the hotel room, so. Pre-poop? No, the sex. Pre-poop? You have to clean yourself out or be prepared or it could be a little gross. You just kind of get over it. He had to poop and you stuck it in?

47:20That was not this morning. What? No, no. Best Buy. I guess it was.

47:30Best Buy. What's going on? It's a card that I was, you know, spending at Best Buy. Uh-oh, Shaggy is not thrilled about these. He likes to buy me stuff, and we'll go and buy stuff on there when we want stuff. Why are you staring at him like you're about to literally shank him? Because I know he probably spent way more than he needed to. And what, like Christmas and stuff like that. So is this a Sebastian fault card? Yes, it is my card. Full fault. So everything on here is all you. Yes. Yeah, all of my faults are on my NDR. 13 years to pay this off, by the way. Doing minimums without purchases. Good thing he's not doing minimums because I'm paying all the bills rather than the car.

48:13Huh? I said, good thing I'm paying all the bills. Oh, I didn't get your job. What is your job? I'm a lead auditor for gas station company. What do you make? I make 25 and some change per hour. Cool. What hits your account per month? It varies between four and six, depending upon how much I drive. Because I get paid mileage and drive time. So$5 ,250? Let's do that. Okay. And what can I say Shaggy brings in? I would say probably about equal. Lately it's been four. Yeah, lately it's been four and maybe a little bit higher. What were you going to say? The move outs is where I get more. I'd say he's either about equal to what I'd make or a little bit less.

48:58So I've been equating it to around$4 ,600 a month. Seems about fair. Okay,$4 ,600. We'll call it$4 ,600. My goodness. I mean, you guys do well as a household. Now, Colorado Springs specifically, I don't know, but Colorado is one of the higher cost of living states. Yeah, it's not cheap. But you guys do well. You're over the median household income. This is net. This is net, right? This is what hits the account. Yeah, this is before I put any money away. What the f*** are we doing? Like that's 120 ,000 hours a year. It is net. It is$9 ,850 a month. Net. Is that money going down? Huh? You have too many f***ing bills.

49:34Yeah, because of every choice you make and unorganized inability to communicate as well. are so fun choices. Gee, love it. Yes. Interest is accruing. Oh. Wait. Promotional balances have to be paid within a week. Within a week or deferred interest is going to be hit. Did you know this? Yes. Did he know this? I did not know. And what do you think?

50:03Or$800 of interest will hit and$800 will be added to the balance of this card if it is not paid off. And good the luck. We spend more than we make, so how is that possible? Good the fuck. Look, what is your opinion? $800 being added to this card in deferred interest in about a week. In about a week? Holy fuck. Well, I mean, I don't know about all that bullshit. I'm just hoping that since I'm paying as much bills as I can, he could get his shit together. Only a little more than the minimum was put on this, so there is no getting shit nor together. That is the next card on my snowball. I certainly hope so.

50:37I don't, but that is basically not mathematically possible in the way you guys live and the way you spend. There's thousands on bullshit. I mean, I've already seen going into this on your spreadsheet. So the reality is I'm talking, thank you. The reality is I do not know how this will be able to be paid off. Mathematically. I'm sure you have an order in your... Lovely little advice that you've given like you just pay the lease amount and then pay that off and put that money onto the next card and then keep going. Sure, that's snowball, but or avalanche, I guess, depending whatever way you're going.

51:11But I put this before either of them because this is deferred interest. So$800 is about to hit. That is$800 you can save by literally focusing everything into this. And in those debt repayment strategies, none of it says spend through up thousands! Thousands! Bullshit, you cannot afford it on a monthly basis, of which you do. Of which you do. So I don't want to f***ing hear a strategy. You have no strategy. This is a strategy. No strategy has been given. Strategy. F*** you, strategy. Strategy, My strategy is just putting money in. If I have money, cool, call it good. That's my strategy. You came for the finances.

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53:51Okay, well, that's not even happening. So I don't know what the we're talking about. Referred interest, shit ton of money's about to hit. Strategy, next time I Snowball. Snowball. F*** you, Snowball. Where's the Snowball? I don't see Snowball. Snowball's nowhere. Spending thousands on bullshit. What are we talking about, Snowball? What did you purchase a year ago when you got those deferred interest accounts? It was the gaming device that I got him for Christmas. What do you have? Lesion Pro gaming handheld device. Kind of pretty cool. It's like a mini. It's just basically a mini handheld gaming computer.

54:25Love it. It actually works really well. Runs well. What? I've never heard of this. Okay. What did that cost? It was$900. Oh, yeah. Yeah, he bought me the fancier one terabyte, two terabyte one. What are the extra storages? And the other one? It's for me being a good boy. Okay. Huh? It's for me being a good boy. Die. Die. Die. I've never been for animal abuse, but tunes are changing. There's no one like Michael Vick. You could abuse me anytime. What? You're pretty, okay? I'm pretty? Yes, you're welcome. It's not even a compliment. Am I pretty? See? Subjective. See? We all have that dream trip we've been wishing we could go on.

55:10But too often, life, or usually price, gets in the way. That's why Priceline is here to help you turn your dream trip into reality. With up to 60 % off hotels and up to 50 % off flights, you can book everything you need for your next adventure. Don't just dream about that next trip. Book it with Priceline. Download the Priceline app or visit Priceline.com and book your next trip today. Go to your happy price, Priceline. See, he's not into the thicks. It's usually the bottoms that are into the thicks though. If any guy ever hits on me, it's always, it's always, it's always, it's always the bottoms of men.

55:47I'm sure everyone else on your show that have come by probably thought you were, you could have probably. No, I get hit on actually quite frequently and by guests. That is actually an incredibly common occurrence. By straight men too, right? I think we've had one straight man that wanted me to suck his dick probably, right? There's definitely been a couple. They have those eyeballs. I'm just like looking at kids. CC's handsome. Yeah. Well, okay. Yeah, sure, sure, sure. Everyone has their own types. But, okay. Quicksilver, what's going on here? That was my first credit card. Oh, yeah, the Chase.

56:30So this is yours again. So the big balances on cards are so far you. Yeah, a majority of the actual card balances will be mine because all of his cards got lumped into an NDR agreement, and he's been forced not to have any credit cards to be able to keep that one. Good, you can't manage them. I'll let you use the Fizz card, debit card that builds credit. I literally use my credit card to survive. Oh, I'm trying to do a plug-in. He talks. My goodness. What are we even doing? You have a plug-in right now? No. I've asked him. Huh? I asked him. Asked who? Well, you had to take a massive shit before you walked into this room.

57:08Yeah, right. You blew up that bath there before I had to go pee. It was wonderful. Sorry. Bottoms always have the stinkiest poop. It's the high-protein fiber diet. $5 ,479.51 is owed on here with$167 minimum payment. Now, why in this conversation you make more money and it's weird? Okay, fine. We're not combining fully. He always, Shaggy always says he has to take care of your minimum payments. Why is that what's happening? He's not taking care of my monthly payments. He's taking care of the household bills. Yeah, so all this bullshit, car insurance, car insurance, lights, utilities, and my stupid Vivint, and this Breckenridge bullshit is what I'm taking care of.

57:55So it's roughly, I basically got to put$850 a week, I think,$850 a week roughly into the bank to cover bills, and that's just what I do. Okay,$167 minimum through payment. How long do you guys think this takes to pay off if you do minimum through payments only? Minimum. Oh, you insufferable.

58:18Which is what you only do is minimums. And if you don't purchase, which I'm sure you will. It's 23 years. 25, 30 years. 21. You'll be old gays. Ripe. Ripe gays.

58:36Uh huh. Okay. Yeah. Literally$1 ,200 in interest this year so far. That's not bad. What the f***? What is wrong with you? What are you talking about? That is bad. How do I deal with that? How do you deal with that? What's the worst? That mentality, how can you deal with that? No, what are you going to do to deal with that? Good question. I mean, it's been... 21 years later when this has paid off and he still has the mentality that all the interest you have accrued on this doesn't matter. That's a lot of money. You'll still be together with that mindset? You could have done something else with it.

59:06Huh? We could have put that money into something else. Uh-huh. Going on vacations. Yeah. Yes. So why the fuck are you okay with it then? You're the one who said that. Because it's money that you're just spending to have fun now and give it for later. Spend money now. Call it good. And if you could pay it back, cool. If not, I can pay it back when the tax is held. It's just money. We live, we die. Occur it. Thoughts. Die when you're ready. Call it good Thoughts I mean This is your partner That's kind of been his mentality on it the whole time You're okay with it You accept it I don't necessarily accept it I just kind of Really?

59:51I've become indifferent towards it Because there's not been much of a point in arguing it Because that's kind of Then why accept it for the rest of your life? I'm not saying I want you guys to break up in general I'm not advocating for that But why should someone, even if you love them Tie themselves to a sinking ship? Why? Why? Why? Why? Why? Why? To dead weight. Why? It holds back your entire future. You're still in that zone. I mean, listen, the moment like a gay hits 30, they're done. They're done. That is not gay. Gay death. That's funny. No, they're still. No, it's true. People will not go for you once you are 30 and gay.

1:00:32You're 29 and gay. I mean. The chance of the time is now. If you look at Grindr, a lot of people still want to get thin pounded when they're 30 plus. So I back to different ones. They want to. Doesn't mean they're getting it. That's where they show up to the woods at dark in a park. What the fuck? And they cruise. What the fuck? What? What? Are you telling me he doesn't know what cruising is? He does. He's terrible. That's what the desperate old gays have to do. And I don't want you to become that. No. When you wake up in 10 years and you're like, oh, I'm wasting my life away with someone who's just destroying it.

1:01:07Even though I love him. Even though I love him.

1:01:12no that's his response pretty much at all times see what I'm saying this it might be best for your future too to not have someone that comes and saves you every day so you actually have to wake the fuck up and grow up yeah it's about time soon no time has already passed but you need to do it today and if you don't I hope he leaves you for the sake of him because he deserves to live a good life so do you but you don't get to hold him back. That's not fair. Dude, I put all those bills though. Huh? Like, good luck with that now. He can go through bankruptcy. There's tools he can use. I'm not saying I necessarily want him to but for his entire future he can go through seven years of annoyance on a credit to save him for the next five decades.

1:01:57But five decades of not having me around? Credit one. What's going on? It was a card that I got back a few years ago when I was kind of just looking for more credit cards. You were looking for more credit cards. Credit one is the worst of the worst of the worst of the worst. When you have this, it means you are the worst. Yeah, I was unaware of that fact until I found your show and really realized how, like, screwed it was because I was very bad about looking at the statements from it. And so I wasn't noticing the extra fees and the extra bullshit from it because they're the ones who tack on an extra.

1:02:33$40,$50. What is this purchase? $500 something fitness. It's a trainer. Oh, it's a personal trainer. Oh, a month? Yeah. Listen, I want you to have a personal trainer. I want you to do activity. We might not be going full bouge right now. That's too much for that. I would never pay a personal trainer like that. After I got through the introductory run, it goes down on price. So it goes down to$300 a month, which is still a lot. Not all in person. Dude, okay, listen. Some are video, but they do like... Remember when I said, okay, listen? That meant... Listen. Retard. 30, 20, retard, retard, retard.

1:03:18Okay, listen. I want you to work out for sure. So I'm advocating for that, and we can pay for a gym membership. We're not doing personal trainer right now while we're paying off debts. You got to prioritize. You can have activity and paying off that at the same time. You do not need the personal trainer right now. Yes, accurate. Okay, so we can do that. You guys have a strong household income. After we're out of debt and we have a six-month emergency fund and we can live in our 50, 30, 20, because your 30 will stretch a long way. Now, your income, it still kind of blows my mind. Cleaning? Cleaning will consistently be this much.

1:03:50How many hours a week are you working? Not that much. How does this make sense? Where is this making sense? I typically work four hours a day. That's kind of where I get with asking him about his income is that, you know, he can't answer how much he's working per week. Because, you know, a lot of the time he's like, I'm working less than 35 hours a week. And I'm making supposedly up to that$1 ,600 a month a week. Allow me to be racist for a second, if I may. Are there no Mexicans in Colorado? There's plenty of Mexicans in Colorado. What the f*** is happening here? because no, if I get my house clean twice a week, it's not that expensive.

1:04:29Boss man, she. I don't work. Let's take it work. I don't charge that much. I typically charge about$150 for four hours, $170 to$180 for six hours. So this math doesn't add up. What the f***? No. It's roughly, I strive for a$30 to$35 an hour. Okay, when you're ready to get a real job that has more longevity, especially when your body starts breaking down, that'll be decades hopefully, But I'll get you a course career certification in whatever you want. They offer so much now. Trades, tech, you name it. I'll get you one. A lot of people in the audience have used it to improve their income and get new jobs.

1:05:03I appreciate that. I don't know if I can use this$4 ,600 for your income. I really do not. I really don't. Fair enough. So obviously we cannot afford this right now. Why the f*** are you putting it on credit one, which is interest and fees to the max? It was the only card that had credit at the time that I made this approval. Well, what should that tell us? not to be doing the stuff. Uh-huh. What did I tell you about talking to the accused? To not do. Fees, hundreds this year. Interests, hundreds this year. It's absolute insanity beyond insanity. Credit one is a disgusting credit card. I think I have a checking account here.

1:05:45No. That's his NDR. That's my NDR bullshit. so I used to pay $500 a month for all my credit cards and then I got kind of tired of it one day and then called them up and said hey help me consolidate my credit and how much are you paying for this shit this is crazy $123 it was$101 you're getting fee fee fee fee fee fee fee fee fee fee fee fee fee monthly fee pay bill fee monthly charge fee what it's not just that what so much how much do you owe overall Most of my credit cards have paid off. I came in about $11 ,000,$10 ,000 or$11 ,000 in debt. So what do you owe a month? It's$123 a week. It's$123 every two weeks.

1:06:32They raised it a little bit for one of the cards to have more money on there. So when I pay off one card, they just pay the other card half off and then it's not that bad. When is it paid off? Is this the ending bounce, the$368 and then it's done? No. No, that's per month. Oh, that's your monthly. It's done in about a year or less. How much is left on it? Okay,$368 a month. Let's see. Because it's not on here. I was like, does it give you an actual amount of stuff for a month? It's just not real. I don't think so, no. Oh, shit. Because I guess it depends on what you're doing on here. This is crazy.

1:07:09You're paying shit. This is wild. I don't understand. Transaction fees, like, crazy. When I called them up and asked about that, I only did it because, yes, it screwed me over. And it made me all of my accounts that I paid all on time, made it all into delinquencies. Yeah, it's not a type of debt relief service that I would typically advocate for. There are some good ones. The only reason I did it. But not without changing your behavior first. Listen, I'm just guessing it's about$4 ,500. Okay? Yeah, here. If you're curious, here you go. Oh, I was close. Yeah, this one was almost paid off. That was my I'm broke as shit spending.

1:07:49Okay, about$4 ,500. This was like a balance transfer. Yeah, and then these two were I'm broke as shit. I said it's fine. Apple card. Whose is this? Mine. Okay. $3 ,139.83. The f*** are we doing? And why is this all f***ed? It's the card that I've used. It's gone up from the previous month. Sorry. $94. That's your minimum monthly. That card. 15 years to pay off. That card, the only reason it goes up is because that's the card I use to book hotels for work, and then it immediately gets paid off. Yeah, hotel, hotel, hotel, hotel, Uber, Uber. It's all for work. What are we doing? Great. That doesn't matter.

1:08:32Work isn't paying for interest on it, asshole. Yeah, because you don't pay off the whole car. Unless you're actually going into the app and paying that amount off. That's what I'm doing is paying off the amount that gets charged. Well, by the time interest hits, I don't know. Not always. No, exactly. So you're still gaining almost 1 ,000 hours of interest this year so far to 26.24 % interest rate. Pull up your phone. Pull up your gay phone. Open it for me, YouTube. It's cute. I told you. I called it. Give. All right. Here, here. Why when I swiped down? Listen, I swiped down so I could start the screen recording, but I accidentally swiped up to pull up the apps.

1:09:09The McDonald's app is the first thing that pops up. It's cheap, okay? And I have like a lot of points. No, you can't afford shit. You can't afford shit. You can't afford McDonald's. You cannot afford McDonald's. Barely. You cannot afford McDonald's. Okay, just AppleCare for you. I have points saved up. So I typically go there when I have enough points saved up. I just buy cheap shit there. 20 % off, free nuggies, free bullshit. Shut up! You're spending money you can't spend, dude. Fuck off. And for you, Pokemon Go. That can cost money too, depending. Not in many years. We'll see. What? That's your profile picture?

1:09:46Zoom in on that. Why is it still blurry? That's all the resolution we have. You're not a bad looking dude. That is the horrendous profile picture. Huh? That's not a bad profile. No, it's really bad. It's not a great one. Oh, is it the one like, you know, tongue sticking out or something? I don't know. Okay. No, it's a very like high school gay. Probably haven't been up there in a while.

1:10:13Stop. Sorry. How do you put up with this? He bugs me enough, too. I work 16 to 20 hours a day. Yeah. 16 to 20 hours a day? That's a f***ing lot. What the f***? That's cool. Seven days a week? Typically. I mean, I work seven days a week. Yeah, he comes home and just sleeps. Well, yeah, I mean, that makes sense. That's crazy. You're grinding. Also, he can f*** around and not know what he's actually doing. Dude, your subscriptions literally will not work. I don't know what your subscriptions are. Synchrony Amazon card Who's this? What's the balance on it? $52.83 Maybe mine Mine had the lower one But I did bring it back up You've had late fees constantly this year Me?

1:10:57Yeah I'm very bad about remembering To set a reminder on my phone And even if I set a reminder on my phone Sometimes I might not have the money Auto pay you Yeah, but if I set I have set out a pay up and then I don't have the money in account and then it overdrafts it and then I get charged even more so rather just not have it Be an adult look at your money It's a small balance I would just close it. You can't You cannot be trusted with credit cards. You're not a credit card person No. Why do you think I close it all? Huh? Why do you think I stopped doing it all? But this is still here you You absolute fucking creature.

1:11:33Yeah, a little bit here and there Pull up your gay phone again $29 monthly payment. Late fees like crazy The interest like crazy. 30 % interest rate. Amazon, Amazon. It's on Synchrony. Rotating MagSafe? Hyundai Mini Bluetooth? That's my card then. That's my card then. Oh, this is your card? Yeah. All right, pull it. Give me your phone again. Oh, your subscriptions. ChatGPT, calorie counter. Did you used to be a fat kid? Yes. I'm self-conscious about it, but I don't mind. That's okay. Just be healthy. Listen, I'm okay with that, I guess. Because it's annual lease. Apple One AppleCare. I paid like half of that when I got that subscription.

1:12:15I'm okay with that. I just went into the trainer right now. Unless you absolutely hard coordinated. You got three things in your cart. You got three things in your cart. It's a Nintendo Ultimate Bluetooth controller. F*** you, no. Tripod, f*** you, no. Wireless mini microphone, f*** you, no. What are you trying to get into content creation? That's$119. What are you doing? It's just been sitting there for over a month now. You got a Rotary MagSafe tripod. You got the Hyundai mini Bluetooth program thing. Electricity smart food kitchen scale and how to defeat a demon king book. And then way too expensive things on our cards.

1:12:51Listen, content creation starts off as a hobby. You can't afford a hobby and you don't really have time for a hobby. So I wouldn't even know how you would do content creation if you're working 20 hours a day.

1:13:02I wouldn't. Are you his little bitch? He just shooed. that drink from you. No, I told him to put it over there without trying to interrupt you. Yeah, but you... That's, like, dick behavior. It's just kind of how he is. That's like whistling to have him come to you. He does that. Yeah, hey, that's almost just like that. Yeah. Oh. Huntington. Zero dollar balance. Oh, yeah, that's probably me. I usually don't have money in my accounts. Oh, well, no, this is, like, some kind of credit. It only allows you to get$100. It's like a cash advance. Oh, yeah, that's me. I used to do that when I had money.

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1:14:32quite a bit of money on glasses. I mean, was this the right time to do it though? Especially if we had to put it all in credit. It's an elective surgery. I get it. If it was a medical necessity, I'd be fully on it. But was this the time? I'm not saying you can't do it. You guys make good money. But was this the time? I was definitely less drowning in debt when I did it. When did you do this? It was last year at some point. $99 minimum to payment. Bounce$3 ,036.31. 19 years to pay this off. Which means, I mean, oh no.

1:15:08in 10 months deferred interest of at that time they will add$2 ,000 to the balance I've been paying between $200 and$300 a month on it nope you paid$91 nope$200 because if I pay$300 a month it should be paid off before that hits Yes. Okay. Yeah,$310, but you're not. Well, let's mark that. $310 is required to pay it off. Because that's very important. For$2 ,000. What are you just mumbling about? I mean, those numbers that you just said seems like he is almost doing just about$300 a month. Well,$200 is not$300, and there could be$1 left on it, and$2 ,000 will be added. Oh, my God. Okay, fine. Okay.

1:16:02Discover personal loan at 14.99 % interest rate. Whose is this? What? Oh, past due. Past due. Who's past due? Who's past due? You? It wasn't past due. It is past due. Oh, total amount due. Sorry. Never mind. It wasn't past due because that's definitely one that I've gotten very good on and that one's never been late. Okay, good. What's the personal loan for? It was a consolidation loan that I did a couple years back. This was you? Yes. Oh, well, you were making it sound like it was you, you fuck? No. Okay. Listen, obviously consolidations haven't worked because our balances are right back up. If you guys do not change behavior, your debt forgiveness bullshit, your consolidations, it does not work.

1:16:42Bankruptcy would not work because you will end up in the same exact spot if not double the debt. So you still owe$410.71. It's almost paid off of the minimum payment of$136.02. Okay. but it said it is at a 15 % interest rate when did you get this consolidation back in 21 sake and we learned nothing from the clear heft of what is still allowed this is still more paperwork than most financial audits start with and credit union whose is this mine that's$40 was that the that one's official that one from the car accident or something It depends on which one you sell. I don't know, yo. $519.88 with interest accruing.

1:17:34That's the payment of$40. I think I just pulled the statements on the day it was due as part of it. No, it was past due. It wouldn't be past due on the day that it is due. It is past due. You just got this, I'm being told. So what is this for? It was originally going to be for moving around some debt, and then we just used it to— It didn't work again. Used it for what, though? Tint on the car. What? And what? How is that important? F*** you. Because we don't want people singing in our car. Roadhead? It's mostly just also... You're doing roadhead? It's mostly also just... You're doing roadhead?

1:18:11It's a light sensitivity thing. You're not willing to admit you do roadhead? Yes. I won't disagree. We celebrate roadhead. We celebrate roadhead. We celebrate roadhead. Live life. Have fun. Listen, we never get the gays on the show, so I got to use and abuse it while I got it. I mean, absolutely. Okay. So, I mean, it's also that. Okay, well, I don't think we're getting a 21.99 % late balance of$519 for more private roadhead. It's also just a light sensitivity thing because I do spend a lot of time in my vehicle for driving. Good. Wear sunglasses. 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.

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1:19:48So you can finally take control and see what your money's been doing behind your back. Click below to get started. He does too. From the gas station. Dude, for like$5. Are you just kidding me? We're getting a whole balance at high interest that we're past due on to not wear sunglasses and to get a little glucky glucky from the beard? Yeah, I guess. That, I mean, it was... Gays are always so kinky. It was just, I was trying to make sure... that dramatic of a kink, but I know gay people love public. Oh, public humiliation? Humiliation? Yeah, that's the thing. That's the way he takes it. Well, he only takes what you give.

1:20:30I don't know if you know this, but... I mean, having tint on your car is a good justification to spend money on. Like, I spent$600 on my... Oh, here we go. For my Porsche. For a what? You got a Porsche? Yeah, I have a Porsche and I tinted it. And it was like part of my birthday present. Either I paid it or you helped me pay it. I don't remember what it was. I think you paid it for my birthday or something. I don't remember. Yeah, I don't remember. So you have the Hyundai Sonata. Yes. Yeah. Very good. 2023 Hyundai Sonata. That's the old car, and that one got destroyed. Well, this one still has a balance.

1:21:06We're waiting for the gap insurance to stay out on it. And is that confirmed yet? Yes. Okay, so I can cross this off. Yes. Thank f*** Because you owed Bullshit Almost$10 ,000 Almost$9 ,000 At an 11.24 % interest rate Of horrendous Disgusting Horrendousness That was a nice car No but there is a personal loan here So you have an extra personal loan Yes What the f*** For why now Ah! A six Oh! $6 ,934.79 Why? With a payment of$203 No wonder you guys can't survive Look at these payments at this point $203.40 on a monthly basis basis. What is this personal loan for? Um, I pulled it to try to help pay down some of the debts and consolidate things again.

1:21:51And how did that work? It didn't. Uh-huh. Ah, this was taken on in August of this year. Is that the second personal loan? Of this f***ing year! It makes me feel so much better about the money that I spent. Well, um, you just took this out. Yeah, 20.7 % interest rate. Holy shit. Fuck. That's.

1:22:19It's bullshit. Oh, I'm hot. Yeah, no, it's brutal. We got to keep going because it's going to be forever. Micro Center. I really wish we had one. Oh, I love Micro Center. It's so hard not to spend so much money there. Well, I don't like that you have one then. So whose Micro Center card is this? Mine. Oh, for fuck's sake, dude. Dude, you have all the debt. Yeah. I have all the debt. I stopped my debt. thankfully. Well, not the, no, we have two credit cards. But we had one credit card from you. Yeah. What was that? It was the BetLink and then you also had the vacation home bullshit. So, come on.

1:22:55You're not like a winner. Not that bad. No. Just to buy a, just to buy a bowl. Dude, you consolidated shit, dude. Come on. I did, yeah. $1 ,008.56 so down here, interest accruing, only making minimum payments. That is$40. No late fees this year, but hundreds in interest. Oh, a mortgage. We own a house. Yeah, we bought it in a pretty good time. We have a very low interest rate. 2.75%. Yeah, the rate's great. How much is the house worth? It's like$300 ,000 maybe. Are we both on it together? Yes,$50 ,50. That's good. $30 ,243 left. Yeah, we haven't paid that much into it. And I want to pay more, but we can't.

1:23:41No, why would you pay more at that interest rate? It's at 2.75%. It would make no sense to pay more. This is what I keep telling you, but you keep saying that. $1 ,623.43 a month. Usually a mortgage is the last debt, but it can't because then I have this. What is this? Okay, this is$24 ,841. Is that the solar? Oh, yeah, the solar that we got. How sunny is it? We're in Colorado Springs. It's actually pretty sunny. Colorado on average has 300 days of sun. A lot more than what Florida likes to bullshit, boast about there, sunny. You know. Colorado Springs is almost a year round of sun. Okay. Rag about it.

1:24:24Yeah. I just wanted to make sure. Very beautiful. So the solar. Yeah, solar. A 6 % interest rate. I got roped into it. No shit. Who got sold on this? I fucking did. And you didn't advocate. I wasn't. Or did you agree with it? Not really. He just kind of said, if that's what you want. I wasn't there. He was not really. Not the first part. I kind of let her in and we talked. And after that, I told her that I need to discuss it with my partner before I say yes. So then she came back and then we both discussed it. No. I think after. No. Oof. The f***? So what happened then? He called me while I was at work when they were there and he was talking about it.

1:25:06and he basically laid out the numbers for me and I said, if you think it's going to be a good deal as far as like what we're paying versus what the electricity is in the house now, go ahead and do it, but only if it's going to make sense. Well, has it? For the most part, yes, it does. So it can be relatively good. What I just don't like is that 6 % interest rate. No, I don't appreciate it. And also just you guys have an insane stack of debt adding another monthly payment onto it? Well, that was early. That was like when we first, like the year or two into getting the house. So we didn't have that much debt to start.

1:25:36when you first got the house. Our debt to income was low enough to get the house. Yeah, because we had paid off quite a bit before we bought the house. Yeah, like it was, like I remember it being like they were talking to us and we had to say like. Okay, so minimum day payment is$217.32. Oh my gosh, it really just keeps going. Who's the citizen's pay? It's both of ours. It was the like line of credit that Vivint did for the equipment. Oh, fuck. The 500, wait, the statement, okay,$566.50 is owed. Account is currently closed. Minimum to payment,$66.75. What's going on with this? Or$0.67. That's like the almost forever rental that we have on our cameras.

1:26:23It's not a rental. It's literally just payment. It's the... Not rental, whatever. It's the finance. You finance your security. It's like they make it like a line of credit. So if you want to add shit on, and they just add it on to that line of credit. Yeah, but right now it's not gaining any interest or anything, so it's just being paid off. No interest, no fees. That's good. Checking account. I think, nope. Another damn loan. Auto loan. Whose loan is this? I think that one's mine. Your Porsche only has$2 ,026 on it? That's his truck. That's my truck. My Porsche is paid off. I paid that in cash.

1:26:56What's your Porsche? What kind of truck do you have? I have a 2010 Ford F-150. $20 ,026.55. I got kind of roped into it because I went to the law and bought it that day, and it was not, no one ever looked at it and I guess I just won it. So I got it. And at first, I'm really happy it's not a lemon because I really feared. Well, it's at a 7 % interest rate with a minimum monthly payment of what? Oh, it looks like$367.52. For a little bit. But it's another minimum monthly payment, dude. And you guys, what is this stacking forever? Yeah, it's been stacking for years now. Oh, what's this? And for a little bit, I paid the payment.

1:27:31Quiet. Shh. Quiet. Okay, 2025 Hyundai Sonata. Is this your new car? Yes. For fuck's sake. I was so pissed off when I saw that balance on that per month. Holy fucking shit. Like you're paying it. Did you go and just do this yourself without his knowledge? No, he knew. Oh, I knew. Sorry. Then why is it pissing you off? It's expensive every month. Yes. Okay,$41 ,497. Then why did you accept it, dude? Nice nice fucking car. I love driving it It's so worth it It's yours It's my car It is, yeah Okay, dumbass I don't know Minimum monthly payment $7.76 No $8.30 No, it's normally $813.41 That is crazy Hey, what's it worth?

1:28:26Right about what I paid for it Yeah, it's total grandmas About$40 ,000 Is it what,$38 for a little less? No, Edmunds which is the most reliable. It's the most reliable. It's what we use. We switch to Edmunds. It says it's$28 ,885. What the f***? Dude, you are dramatically underwater for a minimum payment that is absolutely insanity, insanity, insanity, insanity. A fifth of your income, essentially a loan. What the f***? Oh, and that's not on top of the insurance. What's the interest rate? It's 12.4. What are we doing? Why? I mean, my mileage reimbursement Die! Every month pays for that without me having to worry about it.

1:29:05And it's the gas. You save so much more money on gas. Who's Stash? Who's Stash? Who is Stash? Mine. He puts the money away to savings. You know you're going to pay. You saving$67. F*** you. What are you talking about? You've never heard of save. You don't know what save is. F*** you savings. No, I don't save. What do you go into gas stations for and get for a couple bucks? Five bucks? Usually energy drinks. Okay. No, you don't. No, you no longer do. take a free sample of your choice I don't f***ing care listen Gamersupps you make coffee at home instead of going to Starbucks for a reason to save money 40 cents a serving with Gamersupps you make your energy drink at home it tastes better get your free samples below find what flavor you like and then get yours for 10 % off using my link or code Caleb Gamersupps.gg no you're making your energy drinks at home or in the car that's it you can't afford to stop in and get a$6 energy drink f*** you You can't.

1:30:01You ended up for a little bit, though, where you made your own energy. Well, you're doing it now from home, and I don't give a... Huh? It's not the same. Dude, well, you're right. It tastes better, actually. It legitimately does. Blind taste test, we've done it. Guys, I just don't even f***ing know. Literally, commenters, the videos have started to come out where I talk about these, and commenters are like, oh, shit, I got the free samples. Dude, this shit is great. So just do it. It saves you a lot of money. It's not just a plug, because obviously the company makes money, I make money. It literally saves you money.

1:30:30So why the f*** not? Yeah. For just as good taste and energy. Thank you. So energy drink. Kindle, do you have Spotify? No. Okay, then I'm okay with the Kindle. It's like Apple Music. Yeah, Apple, you know. Is there audiobooks on Apple Music like there is Spotify? Not. I'll switch to Spotify then. Cancel Kindle. Get audiobooks through Spotify. I know you drive a lot, so that's where I'm okay with you having something. Yeah. But let's not have two. Have it all under one. Sheaf vapor? We're vaping? We're little vapes? Yes. Come on. Why die? You're getting your health under control. Why f*** your lungs?

1:31:05And it's addiction. It's always been a small little - It's what gets me through the day? Yeah. Nope. No. F*** you. Stop. No. F*** you. He's going to get so f***ing pissy at me all the time if he doesn't have a little nicotine. And go through his withdrawals. Oh, I tried. He even asked me to take his little carts, and I did that for a little bit. but then he just goes and gets more. Can you please quit? I know it's easier said than done. Gotta get that popcorn. Dude, you gotta, if you're taking care of your health in one way, don't f*** it in another. You're right. I f*** my health over through sweets.

1:31:44That's my addiction. Because it's kind of one of those things of just, you know, that's how I get through my days. Just, you know, I always tell people caffeine, nicotine, and self-hatred was what gets me through 16 to 20 hours a day. Just do caffeine and self-hatred. It was one you just can't afford it either. Cinemark, Amazon, Good Times. What is that? A bar, restaurant, little thing. It's energy drink, microelectronics. Come on. Membership to Hammer Elite. The best membership on YouTube. And number one for a reason. Because there's three premium shows posted every single day, Monday through Friday.

1:32:13When is this coming out? New year? New year. Wow. Exciting. Six days. Six days a week now. Three shows. We're ramping up to seven. So three shows a day. Six days a week. All high quality. All awesome. Check it out. Went inside, got an energy drink, energy drink, energy drink. Affirm. Affirm. You're paying your affirm on a card that accrues you. What are we doing? That doesn't accrue interest. That's just a checking account. It accrues you. There's probably fees and bullshit. No? It's just a checking account. Okay, good. Energy drink, energy drink, Patreon. $61.74, Patreon. It's for an author that I support.

1:32:49Oh, is that one of the... That's just too much money. I would never ask for that because you have another one for$10.29. and then Best Buy, going in and getting some bullshit, getting some bullshit, Cinemark, energy drink. I think that's a restaurant. I think that's a restaurant. Lifetime Cafe, bullshit, energy drink, angry chicken. There's just so much spending for someone that's trying to get out of debt and change their life. No, you're not. Well, look at this behavior. Apple Cash, energy drink, energy drink, energy drink, clouds vape. Come on, dude. Gero's Town, Smoothie King, Golden Corral.

1:33:23That was for my sister. when she was in town. We all had dinner. And we went to Golden Corral? It was not my choice. It was my father's choice. Father.

1:33:54Offer valid March 12th through March 29th, 2026. Exclusions and additional charges may apply. For licenses, see homedepot.com slash license numbers. Energy drink, energy. I keep going! Energy drink, energy drink, energy drink. Smoke plus energy drink, energy drink. Smoothie King. He's got to have his energy for the day. Shut the f*** up. Vaping. Just die, dude. 1 ,100 in the savings, I guess. At least you got 1 ,000. Oh, 9 ,000 in this. What's this? Those are stocks. Good, like a Roth IRA? What is this? There's an individual brokerage account and a Roth IRA. Well, which one's 9 ,000? That would be the individual brokerage.

1:34:34And 2 ,640? The IRA. That's good. Behind for your age if that's your entire retirement. We'll see. Whose fidelity is this? His. 3 ,000? Is this your 401k? Or what is this? That is, yeah, my 401k slash savings for taxes. What the f***? I'm getting back to debt again. Wait, what is all this? Oh, a firm Yes Who's affirming at a 23.67 % interest rate? That would be mine What are you Pull up here, firm Oh, there's a shit ton What the f*** are you doing? Shut the firm Yeah, it's overpiling It's only 23 I mean, that's not the worst Shut the f*** up That's not the worst No, you're gonna hold back the entire relationship You're a horrendous individual Let me see Okay, at this point After all the affirms Oh, your purchasing power is a thousand.

1:35:24Okay. No, you just purchased the course careers. We'll see if we can get that covered. Appreciate it. Thank you. Yeah! Yeah! You just did eBay$3 ,258! What is it for you? Cheese. Huh? It depends. I mean, I've... $3 ,258.27 November 26th. F*** you. November 2020. I didn't spend anything. Ah! Not. What do you? Yes! No. November 26, 2000. $3 ,258.27. It's right. F*** you. That's old. That's an old one, yes. But it was not this recently. That was last year.

1:36:14Yeah, that's just 2024. So what do you currently owe on a firm? I owe a total of... I don't even know how to use that app. Here you go. Oh, for what, you little tit? Asus, eBay, Best Buy. F***ing c***. What is all this for? eBay, I collect video game consoles. Collect paying off debt. Yes, but the eBay one, I bought the 30th anniversary PlayStation 5 Pro. And so that's what that one was. And then something else with that one. And then the Asus one was a computer. $4 ,721.41 with a minimum payment of$392.95. So f***ing c***ed. Oh,$15 ending in this checking account. Affirm. Overdraft? Who's overdrafting?

1:37:14Huntington. Pretend to overdraft. Who? You? Can someone tell me whose this is? It depends. We both use Huntington. You don't know who overdrafted? We both kind of overdrafted, but I usually have money in my savings barely enough to cover it. Shh, shh, shh, shh, you prick. Quiet, you. Who's overdrafted four times this year? Shut the f*** up! Who's overdrafted four times this year in their checking account? That might be the joint account. Oh my gosh, joint? We're overdrafting four times this year? Okay, who has a balance of 680? Started with 434. Might be mine. Anything else? We'll draw. We'll draw.

1:37:53We'll draw. We'll draw. We'll draw. Affirm. Daigy. Mexican restaurant. Apple Bill. Apple Bill. Bullshit. Bullshit. Shake Jack. Micro Center. Apple Bill. Burgers. Bullshit. Bullshit. Clouds Vape. Daigy. Daigy is our little nom nom place that we love to go to. You die. Delicious. Micro Center. Subscription. Stash. Bullshit. Bullshit. Going inside, getting some bullshit. Gamer Subs, dude. You got to stop. Premium, Omelets, Apple, Five Star, Five Star, Vape, Audible. Two Audibles. Okay. Apple Cash. Bullshit. Fuck you. Multiple overdresses here so far. Three on that one. Then in this Huntington, Solace, Solace, Cash App, Little Caesars, Cash App, Going Inside, getting some bullshit.

1:38:45Arby's McDonald's Sports Clips. It's so stupid. That's not bullshit. Swartz Clips is fine. You dramatically need it more than anyone I've ever met. $563 in this one. Hulu, Netflix, bullshit. So stupid. Whose cash app is this$25? Oh, that's mine. It's my little bit of money. Colorado sending money back and forth. Die. Klorna. Shark Ninja. Die. Die. Die. Die. Apple Bells. Arby's Culver's. Die. Nommies. Paul's is good what's he saying $10 and this down from$400 this is money being sent back and forth what a f***ing joke what a joke I'm so curious about these minimum payments if this is budgetable I hope it is I wish you guys the best I don't know if you will have the best when you guys are very conflicting on your mentality around money I don't know how the f*** we're going to survive as longevity as a couple but obviously I hope you do we've been doing it for 10, 11 years now Yeah, but he's trying to get his shit together.

1:39:51Yeah, and he's getting his shit together enough. Yeah, but you are holding him back. Shut the fuck up. Oh, please. What are you talking about? Oh, please. Have you listened to your language? Watch this episode back if you can sit still. I will so have fun watching it and all my mistakes that I've made. And that's something you're proud of? That doesn't embarrass you to your core? Not really. It should. Does that not embarrass you, Mr. whatever your fake name is? I forgot. Bashton. Bashton. That was definitely a big part of what was holding me back from coming was just because ultimately I am really embarrassed about where I've gotten myself.

1:40:25No! Are you not embarrassed of him? Some days. That's okay. He loved me. He can love you and be embarrassed by you, and you can love him and still hold him back in a way that is bad for him. You don't understand that that can happen at the same time. Buddy, I don't know what to put for your income. There's no way. Let's try to do some math real quick. Okay, minimum fee payments outside of the mortgage is$3 ,715.98. Mortgage is$1 ,623.43. All utilities combined, including the internet, how much? That would be like$2 ,000,$3 ,000? What? What? Wait, oh, I thought you meant everything. Utilities including internet, how much is it?

1:41:11The internet's usually what,$150 or something? No, the internet is like 130-something. Utilities, 217. Plus, the other utilities are about like 35 to 180 in the winter. Like 400? It's like 400. Yeah. Okay. Probably gas. All right. Phone bell. 180. Switch to helium when your phones are paid off. T-Mobile is good there. Same tower, same service. Gas, vroom, vroom, drive, drive. not including what's reimbursed because that is included in your income. So how much net gas? If we're not including my gas, then whatever he spends. 80 a month for me. 80 a month roughly. Car insurance, how much? It used to be cheap, but now - How much now for the household?

1:42:03$623. Brocery, 600, TP, find anything else needed to survive. Toothpaste, all your good stuff, toilet paper, 150. Medical healthcare, are there co-pays? I'm just paying for dental and that's 300 left. That's a debt? To me, yeah. Did I have that debt? Yeah, I showed it to you but I didn't look at it. But I thought... He didn't send it is what he's talking about. You didn't send it? Oh, I didn't send it. Yeah, my bad. Dumbass? This is current. What's your minimum? Well, it was still low on that. What is your minimum payment? 30. I usually tend to pay more. All right, adding 30 to the minimum for debt.

1:42:37And then my Amazon... What? There's more? Yeah, my Amazon... Why didn't you just send your accounts, you asshole? Because they're so low. No, it doesn't matter. They are still balances. Okay, additional$128.87 with a new addition of$29. Every dollar stretches here. Okay, so no kill pays. Okay, Jim, how much? He pays$60 for his gym, and he gets it for free because he works there. Is that included in your pay that you gave me? The pay that I gave you should be— Including that job, too? Because it's on the hunting. Was it both jobs? How much do you make total a month, dude? What hits your account?

1:43:15With the other job, it's about another$1 ,000. Okay, so$6 ,200 from you. Subscriptions, I'll try to do$40. You have any pets? Gay's always got pets. How much or what? We've got two dogs and a cat. And a cat. So$150 for pet insurance. How much for pet food? We don't pay for pet insurance. You are now because you could not afford to keep them alive if something were to happen, you dumbass. I love them. Shut the f*** up. How much for your pet food? Paying, what,$40 to$60 a month? $40 a month. It's not that much. Of course you don't respect them. You dress up like one fucking freak. Oh, my gosh. No, we love it.

1:43:56We support all kinks here at Hammer Media, LLC. Woof. I don't know if we support all kinks. Listen, I think your income is like$3 ,000, huh? You can go back on your statement there. Oh, I can do anything. I f***ing want. Are you kidding me? Say whatever I want. Think whatever I want. You think I give a f***? F*** you. 9 ,250. We're calling the income. Trust me. I got my own degenerate kinks. Trust me. I'm a f***ing creature. Here to share? I'll share them in the post show. So if you want to hear my kinks, ladies and gentlemen. Yeah, I'm excited for that. If you want to hear my kinks. Post show.

1:44:35I will share two. I'll share my two favorite kinks Okay good At least you gave me that Goonie show But it is a financial Okay You need$7 ,721.41 To survive on a monthly basis Insane $3 ,750 of that is minimum monthly debt payments So once those are gone you guys are living high Like really well I think that's a lot of where we got into Was that we got the house and then we were like Oh we don't need to worry about things and we turned into that. Buy now, worry about it later. Yeah. All that. Have fun. Let's see how much debt you have outside of the mortgage because obviously we're not paying that off really.

1:45:18It's like$100 ,000. Yeah, let's find out. No, it is more than that, my friend.

1:45:28$129 ,884. With the extra$1 ,500 you have left on a monthly basis. Shit.

1:45:3786 months to pay off.

1:45:42Seven years. On minimum. Basically, big percent. On minimum, though?

1:45:48Listen, we got to get you a better job, making more money. If you do that, bring in an extra 1 ,000, 2 ,000 hours a month, and we throw it towards that, this gets paid off in a few years. And that works. If we can't, for whatever reason, if we can't, and I don't know how long you're going to be able to sustain 20 hours a day like what the f*** what are we doing that's crazy if you can change your behavior for a few months I'll allow you to go through bankruptcy alone wipe out all these minimum monthly payments and then we can take care of all the debt outside of the card card minimum monthly payments we take care of the vehicles we take care of everything else I'd be okay with that but that's kind of where we're landing quiet that's kind of where we're landing is where either you need to bring in more money or you're doing bankruptcy or consolidation but probably bankruptcy because it'll be on your record as long as paying off all this debt would be anyway, but it's a lot less stress.

1:46:37Still stress and not cheap, but bankruptcy with the credit cards and we pay off our cards and everything else and the timeshare as quick as you can and hopefully sell that eventually but I think that's our path. Okay, we might look at his resume in the audit. I'll give my, in the post show, I'll give my kinks and I will go into more shit. The post show is always crazy so make sure you hit that join button doing the number one membership on YouTube, Hammer Elite. Three premium shows posted every single day, six days a week now. We upgraded it to give you more value. Premium shows, it's incredible.

1:47:06It is not quantity over quality. We deliver the quality and the quantity. So don't worry. It doesn't have to be either or. It is incredible. Check it out right now. I'll see you there. Okay. Well, your resume is two pages. That's stupid. Oh, no. That's short. You need to stop. You need to stop having opinions. No.

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