Cheating Gold Digger Is Destroying His Life | Financial Audit

25:51Because you think she'll just go kiss and pay D. Dude. I swear up and down. Do you actually believe? I swear up and down and didn't do anything. Who the f*** trusts you for anything, fake tits? Listen, you actually think she went over to this guy's house and not a single thing ever happened once? No. You don't, like, see? See, you hear that? Are you kidding me, Chad? I don't know if you used the fake name correctly. That's nice. Okay. I don't think so. I swear. Like, okay, the only thing that did happen— No, no, no. This isn't about defense anymore. He legitimately thinks that likely something happened, and you just have never copped to it.

26:31No. And he's afraid of that happening again. What do you think about that? Because that is real. That is legit. It was really sad, and I wish I never did that, honestly. Like, I regret it so much. Oh, my goodness. You seem like the fakest. I'm not. I promise Like I really do regret it Seriously Not at the time

26:56You saw the entire text conversation? Kinda Kinda? I saw like some parts Well like Was any image sent anywhere? No because Like his side of the text Were deleted But not her side He didn't need an image He saw me in person Come on Why were his side of the text deleted? I don't know What? Yeah, like his side of the text were deleted. When? Look at that face. That is the most, that is the most, I just got caught in a fucking - No, no, no. Oh, you are not sly, dude. No, I swear. Look at you. I swear. Nothing happened there, I promise. But I promise. Many people consider emotional cheating worse than physical.

27:39No, yeah, I consider it worse. And that is for multiple months, I would say. It wasn't like I liked the dude. Like, I just liked his money. We don't know. I know. We don't know. He was, he had a receding hairline. He was old as f***. He was about to die. He has a little bit of receding hairline. Don't attack me. Well, it's just little. Little back there. It's fine. Finesse ride would be a good start. But I swear nothing happened. I don't believe you. Okay. Who would give money for literally nothing ever? For not even a single titty pic. I promise you. I've had a real sugar daddy where I have had to give sugar.

28:16But... And was that while dating? No. Bullshit. You guys met at 19. Yeah. Yeah. I had him really young.

28:29How young? I was freshly 18. But are you sure you were 18? Yeah, yeah, yeah. I was. I promise. Yeah, and I had had to give sugar. but even with this, I was surprised myself. Huh? I was so surprised he didn't want sugar. I swear. Well, he's afraid of you doing this again. And why the f*** were his texts deleted? That is sketchy as f***. I don't know. I don't remember. It was years ago. Oh. But I don't think they were deleted. You know how, like, sometimes it doesn't, like, sync right with an iPad and iPhone? No, no. That's not how that works. No, no. As someone with an iPad here, where it all syncs.

29:08No. Well, that's what happened. It was improperly synced. Like, there's no way it was. Look, you see how she's so confidently saying it's because it wasn't synced? Like, she didn't even know. She claimed to not even know about 20 seconds ago that the messages on his side were— Then how were you confidently saying it's because it wasn't synced? That's my only explanation because I didn't delete them. You are such a liar. You're too easy to see through the lies. What? This is as clear as day that you're a liar. The fact that you confidently said what happened and why it wasn't there when 20 seconds ago you literally like, what?

29:41His messages weren't there? That's crazy. Well, I didn't know they weren't there, but now I'm trying to come up with an explanation onto why they were not there. And if he requested sugar? Would I have given it to him? No, I would have cut it off. Easy to say. I ended up finding out he had a wife that he didn't tell me about, so that's probably why he didn't want sugar. Bro, you were literally dating someone. What the fuck? Who are the, what morals? I was not dating him. Him? Oh. What moral high ground are you standing on? He had a wife. You had a boyfriend. Well, I'm sorry. It was a different time.

30:15Yeah, say that to him. But he's afraid if you literally do it now because he doesn't trust you. I would never do that to him again. Like, it's a whole different. What? You literally have. Yeah, but I wouldn't do it again. I learned my lesson. How'd you learn your lesson? I felt regret. Oh, f*** off. I was. I don't want to. What's it called? The seven steps. Sages of grief. Yeah. It was hard. Look at her face. That is a face of no... Do you think she actually regrets it? No. What the heck? And I can tell you no because... Look at you! I can tell you no because we went to Cancun that year. Because of him.

30:53Yeah. He gave me like 30 grand in like the span of two months. No way. There was not a drop of sugar. It is impossible. I wish I could call him so you could ask him. Call him. I don't have his number.

31:35Besides that, has anyone cheated in this relationship? No.

31:41No? Not physical that I know of, but like emotionally. Me? Yes. What about you? No. I haven't. I've done stuff, but like not like... But like overly... What have you done? No, you can't justify what you did. Wait, what did you do? Cheating is cheating. Wait, do you know? Yes. What happened? It was like video chats and stuff. That's it. That's it? That's it? Colton, did you even know this? No. Colton didn't even know this. I'm glad you brought this up. No. But that's because it was like years of cheating on her side. Years. So you're justifying it. Wait, so you were doing multiple cheats? No. Yes.

32:31No, no, no. It was just conversation. conversation so Chad she had like she was in love with some guy that she never met and like that was like at the start of the relationship and she would cry to me about him saying that she wants to go see him and shit like that you cuck okay and then what else and why you stayed I have no the f*** idea with that I don't know yeah what else and then there's no way you're venting everything right oh my god this is not therapy

33:06Well, there's been like a couple of times that I've caught her like Talking Talking to other guys What does that mean? Like They flirt with me and I just Where? Where? Like on Instagram And like people It's not even at a bar when drunk Like a little off thing Oh, that's like an actual real thing Like continue Like chatting, chatting, chatting Which is okay, by the way If you guys establish that boundary that it's fine It could be a little freaking fun But you guys didn't We had a boundary with Prior with porn And he crossed that boundary Girl you were literally You emotionally cheated like 30 times It sounds like And who knows how long he was doing that for Okay so what was this video thing you were doing It was just like video chats Like me talking to girls And you know me And he had a tinder

33:55That I only used like one night And then I never met with anybody Why the f*** you download Tinder? Yeah, why would you have a Tinder? To meet up with someone and f***ing. That's literally what it is for. I never met up with anybody. Like, ever. My ass. Ever. But you know what? I didn't. You know what? Like, I did my shit. He did shit, but we're clean. Yeah. Uh-oh. The video chat. So, you paid for a private video chat? Yeah. And you were just like... Multiple. And gooned to that person? Yeah. Probably for like a year. And it was like a clear no boundary on ****? Yeah, because... Why? TMI. We used to watch **** together, but then it got to a point where I didn't want to keep watching it together.

34:44Like, it just felt like the intimacy between us wasn't as great because of the point. So then I drew the line, and I was like, I don't even feel comfortable with you watching **** alone, like, in general, you know? There was no reason why you just said no. No, there was a reason. I didn't like how it made me feel. Yeah, but him watching B*** on his own. I started comparing myself to girls that are not real. But him watching B*** on his own, though. Clearly, it ended up you did have an issue. Yeah. I think we found out, but. Yeah, because he stopped watching the free porn and he went to go pay for it.

35:17And there was, like, multiple apps on his phone. What? Of it. It's like apps. It's like apps that you go into and like, I don't know. The oil field's that boring? Yeah, probably everybody there does it. It's not like, are there like oil lizards? Like there are lot lizards for truck drivers? No. What's that? Like nasty ass hoes, kind of like yourself that just like show up to the oil fields. I feel like there is. Not that I know of. Like I've never like done anything with anybody in person. So why'd you have Tinder? I told you what happened. That's kind of crazy. The downloading Tinder thing is kind of crazy.

35:58Yeah, yeah, it is. But like it was. You guys could do these things separately if you guys establish that it's okay in your relationship. Yeah. But you guys were only doing these things behind each other's backs. How the f***, by the way, if we can't even trust each other on that kind of level, can we trust each other on a literal numbers level, finances level, not to go spend money behind each other's back if we're literally flirting and honestly, a little d*** touch probably. Come on. I did not touch a d***. I don't believe you. I did not touch his... Okay. Answer honestly here because this could be years ago and we can all move on here.

36:30We can all move on here. Okay? He can move on. At any point during the entire relationship, did you ever touch another penis? No. I do not believe you. Did you ever touch another boob? No. I do not believe you. I don't believe either of you. And I think both of you are too scared to say. No. I've never touched another boob. I don't believe you. Her tits are the only tits I've ever touched in my life. And they're horrible. I'm gonna get them redone you're gonna put that into my budget please cause clearly I need a better one well yeah I hate when they're like that it's crazy well but they're also not mine so that's that is to deal with yeah I don't believe either of you no cause you both are serial cheaters in different ways and I highly doubt it never went to the physical level and again it's okay if it did if you guys established a boundary or two if it happened like five four years ago we can move beyond it but the So both of you are, because I guarantee, guarantee if you admitted to the tit you likely touched, she would then feel okay to tell that, has a guy touched your tit?

37:34No. Has a guy seen your tit? No. Oh. Why are you thinking about it? Because I was like, what do you mean seen? Like in person? Or a tit pic. No. Well, why'd you have to clarify in person? Yeah. Because I was confused. I knew no picture. She's the worst liar. Okay. What? Okay. Okay. But that was a while ago. Yeah. When that happened. Years ago. Yeah. See? I did not admit to it. You literally just did. I was talking about the sugar daddy. It was years ago. So how the f*** can we trust each other and manage each other's money and manage the wallet? You have to give her a check. You trust her with this check?

38:20You can't even trust her in your romantic and sexual? I don't know. What do you mean? No, you're going to have to clarify. I don't trust her in going out to spend all of it at once. Isn't that it then? Would that not be trusting? I wouldn't spend all at once. But I do. She'll wait for all the bills to get paid, and then she'll spend all of it. Yeah, I'll send the rest. Whatever's left over. Okay, guys. I know what came in on a monthly basis. Let's see. Did you have a commission check hit? Let's see. No. Not this month. No. Okay, so$7 ,500 is what came in. What went out? What was the outflow for the house?

38:58What was the outflow for the house? Come on, money manager lady. I want to say around...

39:08I thought it was$7 ,000, but I want to say it's more. How much do you think, money manager? I want to say like$8 ,000 or$9 ,000. What do you think, Chad? Like$10 ,000? $13 ,255.54. So spending after the bills are paid, you overspend, you beyond overspend. It's all, you guys have nothing. What are you talking about? And you guys just got married, which by the way, that's crazy. But two, I mean, just calculated known bullshit, 100 % known bullshit was approximately$1 ,600. $1 ,600 was known bullshit between miscellaneous bullshit and going out to eat. But then there's also unknown. There's unknown stuff.

39:50Unknown shopping,$860.95 and other large purchases, which we don't know if they're full bullshit,$5 ,513. So half of that could be bullshit as long as well. But we know for a fact that minimum$1 ,600 was spent on bullshit. At a minimum. Oh, you guys are trying to have a baby? Yeah.

40:14Actively trying. Is this the time? So I thought it was before you guys called me. You applied? No, my friend did. She applied for me. Really? Yes. That's funny. I was telling her my financial situation, and then she was like, you need to go on the show. You sound just— Yes. That's funny. Yeah. We'll bring her into the post show. Yeah. She was like, you need to go on the show. You sound just like this episode. And she showed me the stripper episode. Yeah. You are basically a stripper. Yes. And come on, you seem like a stripper. I'm not. Now you use the fake tits to sell houses. I could probably, I mean, I'm probably going to be making a little more money.

40:53No, because she doesn't know how to twerk. Oh. That's crazy. Is it? I can't say what I'm going to say. What? Say it. What? Say it. But I could twerk on your d***. Yeah. Like dead ass. I'm trying to make a baby. but I maybe not setting up. Like I want this child to have the best potential future as possible. And that's what I want too. Okay, but yet you're doing nothing to try to do that. You spent$2 ,000 more than you made last month. No, it was way more than$2 ,000. It was like$5 ,000 more than you made. $6 ,000. What the f*** am I talking about? Your friends are buying for you to come on the show because you're a complete mess, complete disaster, complete f*** up in every way.

41:42You guys are going behind each other's backs in every way whatsoever. He's afraid of you spending all the money after the bills are paid. Are the bills even paid on time? We'll find out. And you guys have horrendous. How much debt do you guys have? Wow. Okay, that's not a number. I want to see. Including the house or no? No. Let's just say outside of the mortgage. The mortgage loan is$357 ,494, which means he's basically locked into this job, by the way. Or else you need to have your income substantially go up so he can downgrade his income. But either way, yeah, how much debt outside of that?

42:12What do you think, Chad? How much debt outside of the mortgage? So adding the car and the credit cards, like... I want to say... Like$60 ,000? Okay. I want to say$75 ,000. Right in between,$72 ,468.90. The f***? Why, after paying bills, are we just going and spending money instead of funneling the rest towards paying off debt so our kid can have the best future possible? We do. No. We get a little bit, and then we divide in between three credit cards. Girl, you spent more than you made. Debt went up. Shut the f*** up. You don't know what you're talking about. No, you don't. Shut up. What are you talking about?

42:43You spent thousands on bullshit. What are you talking about? That money went to bullshit. It didn't go to pay enough debt. Fuck you. What are you talking about? This kid is not consenting to come to the world. You are choosing to stick it in. You are choosing to twerk on it. The kid is not consenting to come into this world. Yet you are going to put the burden of him on this child that you guys are enjoying all your entire life. So when it comes to you retiring, that person, that child, is going to have to put their life on hold to take care of their parents because their parents decided to live up their life and now their kid won't be able to.

43:19That's not fair. It's not. So what the f***? You're twerking on it right now where you can't even communicate about money? How does money get communicated in this household right now? Other than the check just gets sent to her. What's the communication? It doesn't get communicated. The reason the check gets sent to me is because his idea was just paying off the credit cards each time with his whole check. So everything would go to credit cards. and then when we got the house, I was like, you need to send me a check because I was scared because he's had a car repoed, so like, and he pays for my car.

43:49Yeah, that was like during COVID. Yeah, so I'm afraid that that's going to happen again. All right, what do you guys think the household financial score is zero to 10, zero being the absolute worst, 10 being the absolute best. What do you guys think? One. Six. What the f***? You think you're above just like straight down the middle? Like, we're not that bad, but we're not that good. You know? You had a car repoed a couple years ago. And he just told you how much we're in debt. No, yeah. Bad debt outside of the mortgage. It's fixable. You know that moment in a business meeting when someone says, let's use AI, but everyone just nods and no one knows what that actually means?

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47:07I'm an authorized user in all of them. So he has the credit cards. You became an authorized user. Yes. Leech. Okay. I did it to help out her credit. Really? Uh-huh. To help out her credit. Your credit's not. I know. Okay. His credit was. And it helped mine for a while, but now it's getting a little. It was doing really good. I was at a$700. Okay. Until this year-ish. Last year? Yeah. Why? What happened last year? Just credit cards and overspending. Why? What happened? What are you doing? Trips. What trips? What trips are you doing? We like to come to Austin a lot. Where else? I don't think the trips are the problem.

47:50That's a road trip. That's not even like a big thing. Yeah, but we spend a lot here. Why? What are you even spending here? The food? It's delicious. Yeah, we have good food. You live in the middle of a desert. Yeah. She loves food and to like shop. Yeah. We have halfway decent shopping, I guess. Compared to El Paso, I'm sure it's great. Yeah. But she like, she loves going to like. Where are you shopping at? Where are you going? The domain. Huh? Aritzia? The f*** is this? Aritzia? What's it called? Aritzia. Yeah, that. Whatever. What are you getting? Business casual clothes. I'm a realtor. Listen, now I know shit's expensive.

48:25I just got a f*** bag for Christmas from my car. What did I get, Lindsay? I got something. What did I get? I got a bag. Some kind of bag. Chanel. I got a Chanel bag for the girlfriend. What the fuck are women doing? You guys are insane, the amount of money you guys spend. What the fuck is happening? I don't even understand. When I went in there, it was exotic. Languages I didn't even understand. Yeah. What the fuck is wrong with you? He's making all the money. You want to have a kid. Yeah, you come to Austin, blow it all in, what? Hermes or Hermes. AI is incredible. It can teach you how to fry an egg and even write a poem, pirate style.

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49:40They taste the same. No. No, they don't. They do. They don't. You think you would know that more than him. I don't like the fudge popsicles. Okay, so we're spending our shit. Each time you come to Austin, you spend around$2 ,000? How? How? Shopping. I mean, how? It's so expensive. What? What is? What is? Airbnbs? Girl, we live here. Everyone's shaking their head no in this room. Well, you're choosing Airbnbs that are insane. We had someone that has an Airbnb on the show recently. What did she charge tonight? By the airport? Less than$200. Oh, wow. Yeah, less than$200. Oh, wow, wow. How long are you guys staying?

50:18Four bedrooms and a pool. You could get cheaper. Guaranteed. I need that link. I love a pool. Yeah, it's called Airbnb.com. Oh, the link of that specific one, though. No, you just look. Sort by price. What the f*** is wrong with you? How long are you guys staying in Austin and how often? I still don't know how it costs so much. We usually stay for a week. His week off. Yeah. What? Every week you have Afi come to Austin? No, every other week. No, and we don't come every time. I was going to say, I've never heard of this. Listen, the city. Okay, it's fine.

50:51I've never heard of this. We don't come every week. You also have other ones to choose from. You got Dallas almost just as close and San Antonio probably just as close as close. Yeah, but it's not the same. Okay. San Antonio is more, you guys, but it's more family-oriented. Yeah, it is, I guess. Yeah, you're right. Austin's little bars. It's like more like, no, we don't even go to the bars. What the fuck are you talking about? Just like the food, the vibes. You get to walk everywhere. Everywhere's dog-friendly. I would assume in Dallas as well. I mean, if you go to the walkable pockets, they're going to be walkable regardless of where you go as long as they're walkable pockets.

51:25I've never been to Dallas. You haven't been to Dallas? Mm-mm. It's too ghetto. Well, it looks too ghetto. Honestly, I checked the crime rap when I was considering moving there. The crime that happens there compared to the crime here is absolutely insane. The crime that happens in every city compared to Austin is actually kind of crazy. It's kind of crazy. But someone did get killed immediately when the new year happened at our old office. That's crazy. Wasn't my fault. Okay, so what's going on in this car? Traveling to Austin? Yeah, that's our travel car. We usually, that one used to be paid off all the time.

51:57So whenever we would travel. Now it's over maxed out. Yeah. Because of the phone bill. Where else are you guys traveling? Wait, it really is just Austin? Austin. No, Cancun. Phoenix. Did you call me? Scottsdale. Yeah, Scottsdale. Cancun. What the f*** does that mean? I just call it Cancun. Like an American. Sorry. Well, we go to Playa de Carmen. What? That's where we go. Where? Playa del Carmen. It's like the best city in Cancun. They have like a whole street. So how do you say it in American? Playa del Carmen. Playa Carmen? Playa Carmen. Nice. There you go. Yeah. Now I get it. I'll go there. I'll go to Playa Carmen.

52:39I'm not going to go to... Cancun? No. Come on. I was setting you up to say Playa Carmen the Mexican way. Playa del Carmen. Yeah. Okay. So I guess... Well, Arizona's probably just as close, right? Just about? Six hours. Six hours. It's a little closer. Yeah. Isn't that crazy? Because that's like a whole other state away. You have to go through New Mexico and everything. Yeah. It's still closer than going to central Texas. Yeah. Texas is a damn big area. Okay. So let's see what you spent money on. Because why the f*** are we spending$682.67 on a car that is over the limit and accruing $97.29 of interest, by the way?

53:19You f***. Why are we spending on that? Huh? Huh? We didn't spend it. It's the phone bill. It goes in automatically. Phone bill is$682.67. It's like$370. Then what's the rest of it? I don't know. Probably other bills. Because we have not touched that card. Chad, how long does this take to pay off if you guys do not purchase this, which you guys are incapable of, and you only make your minimum through payments? How long does it take to pay off? Like 20-something years. What do you think? 15 years. Okay. 19 years. I'm close. 19 years. Your kid will be graduating. High school. Yeah. Yeah. Hopefully not.

53:57We're going to get this resolved. Hopefully not. What? You want the kid to be **** as you? No. It's going to be held back that much? No. Hopefully we get this paid off way before that. I would hope so. Not going to happen when you're buying games on there. You got your security bill on there. You got your phone bill on there, which by the way is$424. What is wrong with you? Use helium. If T-Mobile is good in El Paso, use **** helium. That's the most insane phone bill I think. That might be the most insane phone bill I've ever seen. Yeah. It's because of my job. What's wrong with your job? They make you pay$500 a month?

54:29He works in the middle of nowhere. That doesn't equal Verizon service,$500 a month. That's what I told him. I keep telling him, let's go to T-Mobile. He does not listen to it. No, no, no. It doesn't matter. If you do Verizon just for the service, it's going to be like, what,$120,$150 a month? How is this$500 a month? The devices. Just because of the devices. Well, why are you financing your devices? Huh? Huh? Well. What devices are you guys possibly financing? It costs this much. Mine is not new. He has a brand new one. I had like the 16. Well, that one was really cheap. You got your internet on here as well.

55:09Stupid, stupid, stupid. On a car that goes above the limit in a cruise interest. Why do you guys want to pay 30 % on all these bills you guys have? You have bills that you sign up for and you want to pay 30 % more. That's smart. That's great. And then Camino Real Regional. What? Isn't that a hotel? Oh, my God. Yeah, that's a hotel. What does it say? What does it say? $74.56. $74. $0.56? No, with the water. What water? The water bill. That's what it's called. It's like$700 in interest last year. $700 ripped. $700 that you spent on the oil fields. Gone, destroyed, obliterated. at a 28.74 % interest rate.

55:5128? I didn't know it. You didn't know? You applied for them. I didn't know. I don't even have a say when you apply. What? Yeah. Well, he doesn't have a say when you go text men behind his back either, so. Neither do I. He's not texting women. He was on booby cams. You could text people there. You can meet up with people there. You can meet up? Yeah. It's a prostitution site? Basically. Not that I know. I just did the chats, like the video. Not that he knows of. Did you not read the terms and conditions? What websites do you use to meet your prostitute, Brandon? Don't give it to us. He does not need that.

56:29You want to have control? No. You said no? Wait, what? No, yes, yes, I do have control. No, but like, I don't, like. What? I don't know. Oh boy, guys. Obviously not credit card people. I'd use the Fizz card. It's a debit card that builds credit. A lot of people out there use it to build their credit and not if they know they don't have the self-control and clearly you guys don't. Platinum card, what's going on with this? Is that the Greek card? Yeah. That's her card. That's not my card. The blue card is my card. Oh, we do it based on color? Yeah. Oh, that's how you know you're in a poor household.

57:06Which, by the way, you guys make a lot of money. You shouldn't be, but that's how I was raised. The color of a card, that's when you know. Do you have the green card? Do you have the blue card? Oh, you guys are broke. You guys are broke. I thought we were rich. Oh, you're. Oh. And it's also over the limit again. Rich. Two cards over the limit. Interesting. $90 minimum payment, 15 years to pay off. Why are we purchasing again? $783.11 on our card that is accruing interest. $64.75 last month. It is above the limit, asshole. $2 ,608.73. Why the f*** are we purchasing? Huh? I think. I don't know what color this card is.

57:43No, this one has been getting better. It's above the limit, dude. Are you stupid? I think Bill's going to that one too. It's above the limit. What is wrong with you? It's been getting better. It's above the limit. Yeah. You guys just got two brand new dogs? Yeah. You're trying to have a kitten. You just got new dogs and you can't afford to even take care of yourselves. And you got things that. We have four dogs. What? Yeah. Why? They're so cute. No, they're probably cute, but why the. Because we got a house, so I have a backyard. Yeah, but he's out in the field all day. Well, yeah, but I take care of them.

58:17Told you you didn't work. I don't. I try my hardest. I try my best. Uh-huh. Yeah, no one believes that. No one believes that. Yeah, I don't. This is insanity. Oh, they're pugs. Three pugs. Golden Retriever. And a cult. Oh, my gosh. It's all bullshit. it's all bullshit standard scores jack in the box supplement express Cabo cut something smoothie king buffalo wild wings vending machine going in some bullshit smoke shop apple bill apple bill all sup all sup paramount all sup experience credit score you're paying for that shit fast track apple bill desert Palo Verde Appleville going inside getting some bullshit getting some bullshit hundreds of dollars in interest what the f*** are we doing pull up your phone give it to me now now give me that shit and you too by the way I'm about to do same thing for you Appleville paying for GBT you work on the oil field what are you even using it for dude I mean I like it I use it but what the f*** are you using it for how do I not blow up the oil today just for fun Duolingo what are you learning I was learning German for a good minute but then I just why are they on the move again no it's just for fun that's what I was wondering okay HBO Max that and Apple TV are like the best for the premium TV but you can't I don't know if you can afford it right now iCloud Plus okay open I did open it you took too long how many men are in here a lot but they're realtors what?

1:00:19they're realtors why do you say everything like when like do I really? yes it doesn't annoy you? you're used to it I don't hear it yeah like I'm used to it he doesn't even hear me I'm gonna go through your guys' text messages in the post show. I bet you guys just fight. No, we don't actually. Peacock, he just said yes, you said no. See, you can't even agree on that. We fight no text? Oh, FaceTune, I am not surprised. Yeah, you were the most FaceTuned. Yeah. Oh, yeah. Why do you put me on blast? Well, it's there and you look like the exact person that would use FaceTune. Peacock, why the are you paying for that?

1:00:59At least he's paying for a good one with HBO. I watch Real Housewives. Hoping to become Win-Win Day. Yes, I'm starting to understand. Canva, Apple Music, that's included with your Verizon plan, but that's only$500 a month.

1:01:16Colton's telling me you also have an obsession with TJ Maxx. I do. Why? It's TJ Maxx. What's so special? We have something new every day. Well, you're keeping the children employed in Vietnam, I guess. Yep. A job's always good. Huh? A job's good. Quicksilver 1 $1 ,682.11 Minimum monthly payment $64.13 years to pay this off Interest accruing Purchasing$858 What are we doing? $858 when the interest rate is accruing $44.76 a month What are you doing guys? Why are we purchasing on this as well? That last one was all bullshit Is this one going to be all bullshit? What's going on with Quicksilver 1?

1:01:58I think it was like Like when one car doesn't have money we go to the next and then the next the next color yeah pretty much you guys are not credit card people close these you already have a house so what do we need credit for destroy them burn them close them and that was the plan before we got the house and then it still is no we couldn't afford the house then how did that have our plan because okay so he tried paying off the credit cards before getting the house so he got a loan on his 401k to pay off the credit cards Which is so stupid because you didn't change your behavior first, which means you just build up the credit cards again.

1:02:37Yeah. Okay. So now we can't close it. But the plan was to close it. Well, the credit cards you can still close. But yeah, what happens if you quit your job or if you get fired? What if the oil industry, listen, oil is getting nice and cheap again. Supply is flooding the market. Sometimes that means they might slow down so that price can stabilize a bit more so they can make more money, which might mean layoffs? Not with the company I'm working for. That company never lays off. It's rare that they do. It's rare, you're right. Honestly, in a lot of companies, it's honestly even like mass layoffs in tech was a bit more rare until this year.

1:03:16Federal government, a little more rare until this year. When the economy changes and oil prices are on the way down, you know, getting like, what is it, like a buck 50 in some places now for a gallon of gas? Kind of crazy. or if the economy comes to a big slowdown, which last quarter GDP numbers were good, but... Kayak gets my flight, hotel, and rental car right so I can tune out travel advice that's just plain wrong. Bro, Skycoin, way better than points. Never fly during a Scorpio full moon. Just tell the manager you'll sue. Instant room upgrade. Stop taking bad travel advice. Start comparing hundreds of sites with Kayak and get your trip right.

1:03:57Bad advice? You talking to me? Kayak. Got that right. People cut back on shit. I'm just saying. You already want to quit anyway. Then all of a sudden your 401k loan comes due. What are you going to do? I've been paying it. Like every chick. It comes out of the shit. Yeah, but it will become due like that. No. Uh-huh. Didn't even know that risk, did you? Oh, it's all bullshit. Smoke shop. Who's killing themselves? We both are. Both of us. Why? He does nicotine. Like that kills you bad. And what do you do, dumb? Wheat. What, you think that's as good? It's a little more natural. Nicotine is natural.

1:04:36But they put a lot of shit. It's a tobacco's natural. The flavor ones that look like an iPad are natural. And what do you do, vape? Mm-hmm. Yeah, but it doesn't look like an iPad. It's extracted from the plant. Shut up. Just shut up. Okay, smoke shop, going in against the bull shop. What are you getting a Dollar General for like$4.95 every day? Probably milk. Every day you go get a gallon of milk? Oh, no, like... It's chip. Munchies. They're called munchies. You should try them. They sell them at the gas station only. Or a Dollar General. That's all she eats. Okay, munchies, munchies, munchies.

1:05:16Pesthorn, of course. Went inside, got some bullshit. All subs. Went inside, got some bullshit. Prop wire. Smoke and vape. All subs. Prime video. Amazon Prime Video Microsoft AllSups What are we doing guys This is all bullshit It's all You dumbass bullshit Two late fees this year so far On the credit card? On the credit card I thought you gave The check to her So she can pay your bills on time And then go spend the money It goes to Yeah Like But interest and late fees On this card Interest rate almost 30 % Oh Ashley Home Furniture I will never buy from Ashley again Why? Horrible experiences Not great Kind of shitty products.

1:05:57I like the person who works there that I bought from. I have a good relationship with her. Well, it's because she's a relative of someone I know. Either way, regardless, still wouldn't buy from Ashley. Oh, my gosh. You f***ing owe$5 ,486.77 with Ashley at$168.99 a month. What is wrong with you guys? No interest. Yeah, until there is, you dumb tit. Takes three years to pay off. But I'll pay it off by then. You have to? Yes. It's not really an option. What was this for? Our couch and our guest bedroom furniture. How critical was that? We had to do the guest bedroom furniture or else we were going to die?

1:06:37I got it half off. Dude, that's Ashley's thing. It's shit, so they do half off constantly. No, no, no, I price matched. It was like a thousand something at Ashley and then online, I think it was at... At Ashley? No. Online at Ashley? No, online on Big Lots? I think. Big Lots? Yeah, Big Lots had it online for like half the price, so I got— If Big Lots even sells it, you shouldn't consider it. Well, I'm not sleeping on it. It's for guests. What a host. Hey, they got a brand new mattress that cools when you're sleeping. Is that where we want our mattresses from? Cold? No, no, no. It cools. It's like fresh, cold.

1:07:18What? Fat people won't be sweating. Yeah. What do you mean it's cold? Yeah. Does it have the eight sleep on it? That cools you? I think so. No, it doesn't. You spent 10 ,000 hours on a mattress cover that cools you? No, it's not a mattress cover. It's a mattress. Is it the natural cooling bullshit? Yeah, I think so. I don't know. They sold me on it. Yeah, no shit. I got an open box so it could be cheaper. They told me that they just opened the plastic and then they send it back. By the way, you're getting a paper statement fee on this every single month. You're literally paying for that instead of just going digital.

1:07:51What's wrong with you? Why do that? Just go digital, you dumb. It reminds me. I have too much going on on my phone. No, you have nothing going on. You're a bullshit fake realtor, kind of. Well, come on. A little bit. You made less than you'd make working at McDonald's. But it's a new year, so. For everyone. It'll go better this year. Maybe I'll hit six figures.

1:08:18Oh, collections? Why do we have collections? That's him. What the fuck is going on, dude? What do you got? $5 ,067 in collections? What? That was an apartment that I... What is wrong with you? Why? It was like during COVID. I got evicted. So? I couldn't pay for it. Why? I didn't... Wasn't making any money. Why? I didn't have a job. Well, I didn't have a good job. Dude, Texas closed for like a month. Well, I didn't have a good job. That's why I gave him an ultimatum. Because he was getting evicted. Oh, it was that job. Mm-hmm. It's a win-win. You get money and I get money. These are called affiliates and you get that sweet, sweet cash for signing up for some amazing products.

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1:09:37So now you need to do that with your energy drink as well. Make gamer subs at home for just 40 cents a serving and honestly it literally tastes better and we proved this accidentally via a blind taste test in our hammer elite show fat and fatter the number one ranked energy drink is 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 why didn't you go get a job? Texas did not struggle during COVID for like a month or two, maybe. And then we got checks.

1:10:17They approved you for a mortgage with this? I was impressed. You were impressed. Great. Glad they impressed you. $5 ,067. What's your plan with this? Looking the other way? Well, it's going to be undercredit until 2031 at the earliest. It's like seven years, so it's like 2031. Yeah, this hit 2022. And I was trying to like, basically like, I hired somebody for them to like get it, to get rid of it. Hired somebody? To dispute it. Yeah, to dispute it. Well, why would it be disputed? You didn't pay your rent. They evicted you. You owed this. Yeah. So instead of paying something you actually owed contractually, you hired someone to dispute it?

1:11:01That's what I told them. And they were doing it. They were going to do it. They were sending letters. Yeah, but there was nothing to dispute. You got evicted fairly. Yeah. But. What? I kept telling him to call him and set up a payment plan, and he never would. He's like, no, it's just going to go away. It will go away eventually. It goes away. Yeah, to a certain point. But there are legal protections as well. If they ever view it worth going to court for, they could. Yeah. It probably won't. Yeah. But they could. But it's been known to happen. Well, hopefully it doesn't. I hope they don't. It's been sitting long enough where I don't think they would, but we'll see.

1:11:41Here's another one. What is this? $4 ,226.62 with a minimum monthly payment of$101.16. What is this? That's the other 401k loan to fucking... You have two 401k loans? I already paid one off earlier this year and then I got a second one. So this is a 401k loan? Yeah. So obviously that is taken before your paycheck hits. Yeah. So why'd you get another one? To pay off the credit card so... You did it twice? Yeah, and I didn't find out about the first one until he was going to take out the second one. Well, the first one, it was because we went to Cancun and she wanted to go shopping and I didn't have the money for it.

1:12:14You took out a 401k loan for shopping in Cancun. I didn't even know. What the f*** is wrong with you? I would have never been okay with that. Well, you know why he did it. So you wouldn't go suck behind his back for a paycheck. Because that's what you're known for. No. No. Defend me. Close. No, she's not known for that. Making a guy think like his d*** is going to get sucked for a paycheck. Yeah. Yeah. I liked people. Not that way. Oh, we know. But it's not very hard to see through for you. Oh. Dude, that is crazy. What the f***? What is his relationship to you? Another sugar daddy? But this one you just bounce on?

1:12:53No. No, I truly love him. Like, the reason I'm with him is because— He's taking out a 401k loan so you don't leave him for money. He did that. So you don't leave him for money. But that's his own traumas. He should work on that. His own traumas? Wait, from you, from your actions. Yeah, but you need to seek therapy. From your actions a couple years ago. Yes. Like, if you chose to forgive me, we chose to move on from it. And you simply can't. That is like actual. You need to seek therapy to make it better. That is actual victim blaming. Not the bullshit TikTok stuff that you always see that wannabe victims do.

1:13:32That is actual. That is insane. Why? What? You did that? And you're saying then he needs to seek therapy. He did something to me and I seek therapy. The cam girl? Yeah. You seek therapy because he jacked off to a cam girl once? No, I seek therapy. Dude, you were literally cheating. Why? I just seek therapy to be a better person. Because she's bipolar. You're going to need a lot more. And she's psychotic. Yeah. What? Girl, look at yourself. No shit. Watch this episode back. I'm not psychotic. What did your therapist tell you? That you have... What do you have? I get manic episodes from spending.

1:14:17What? From spending? Yes. How do you get from spending? So my manic episode is spending, like splurging. So I'll be going through a manic episode and I just want to spend money. And I'll go to TJ Maxx. Which is every time. TJ Maxx. Yeah. Is that all they have at El Paso? Yes. That's the only fun thing, unfortunately. The mall is like, well, the good mall is like, what, 30 minutes away from us. So can't go there. What? You live in, I go 30 minutes every day to get the work. Yeah, but you live in a big city. Like that's expected. Isn't El Paso considered a city? It's really small. It's the fifth largest in Texas, but it's still in like the, in the country.

1:14:57It's still the halfway decent sized city. Yeah. It's just, there's a lot of traffic. That's really what makes the. Welcome to a city. Well okay you're right actually I do not want you to go to that mall Exactly don't enable me Well you should have a little bit of self control I don't I try I even took I literally took bipolar medication And it helped me It did But then she took it and then she stopped taking it Because she saw how good she was doing Yeah I was doing so good I was doing so good I thought I didn't need it anymore What? Yeah. But let me tell you, I need it. I really need it. Hopefully my doctor doesn't watch this because.

1:15:41Yeah, why don't you just do what your fucking doctor says? Well, I try. I try my hardest. You try? You actively chose to stop taking a medication. I didn't actively choose. I just forgot one day. And then I forgot the next day. And then I just forgot. And then by the time I remembered, I already forgot three days. So it's basically like restarting the treatment. So like, what's the point? To get back on the medication. You dumb. What are you talking about? I'll work on that. Don't you just have to take it? Isn't that it? Yeah, but remembering to take it is hard. It's like two pills.

1:16:21Do you take anything else? Weed? No. No. Yeah, weed with that medication, by the way. Yeah, my doctor does not like that. It can cause psychosis. Yes!

1:16:35That's the reason why I don't take it. Because, like, God forbid, I get psychosis one day. That'd be very scary. One day. Probably soon. Okay, so this is the 401k loan. $4 ,226.62. That you're not taking advantage of growth in the market, of which was an incredible year in the market, by the way. Incredible year. You're paying the interest back to yourself, but it's stupid. instead of actually gaining the good shit. What are you going to do when you get pregnant? You're not going to f*** smoke? Yeah. Why wouldn't I? Why would I? Stop now if you can. Okay. I will. I'll do it for you. Huh? I'll do it for you.

1:17:18Just because you asked me to stop. For me? I've asked you to stop so many times. But you don't listen to me? Yeah, it's like... He's asked me to stop because he said... No, I've told her to stop. He sees I do really good. I do really good off of it. Like, I am a... Because of weed, she weighed like 200 pounds last year. He literally came to Austin and he looked at me and he was like, come here, babe. I'm sorry. It just looks like you're in a fat suit right now.

1:17:52Like, what the... Of course I got it together. And now we're here. I still need to lose a little weight, but I'm not a fat suit.

1:18:06That's all. That's the reason you wanted her to quit? Not her lungs, not her health. Yeah. Because I got fat. Are you still fat? No. I'm not skinny. He just said it. I'm not skinny. I feel like I'm thick. He thinks you're still fat. No. He said, you really think I'm fat? No, no, no. Let's talk about you. Give us a twirl. Thick, thick. Yeah, I'm thick. Not fat. Curves. Yes. It holds more here than it does in a world. Yes, unfortunately. Which is why I use Facetune, yeah. Yeah. And even the Facetune does not take off my double chin. You need to show me how to use it because... I don't know. I don't use it.

1:18:44I embrace. Well, you know about it, so you must. You just called him out for being fat? Well, he's not fat. You can't see them love handles. Bruh, he is not fat in any way whatsoever. He cries himself to sleep every day because he's fat. No, I don't. No, I don't. Yeah, he literally tells me, I'm so fat. I can't eat today. Well, that's likely someone caring about their health. And his fat is not actual fat. Yeah, it's not fat. Give us a twirl. Give us a twirl. Come on.

1:19:16This dude is not fat. What are you talking about? He's average built. Sure. Yeah, maybe. But he's not fat. Well, he calls himself fat. I'm just throwing it in. Well, yeah, because he probably cares. Yeah. Or you just let yourself go. He said it, not me. I looked great. When you were fat? Yeah. I'm still pretty. Being fat does not make you ugly. I've seen some fat people with beautiful faces. Fat people usually age better because it's stretching everything. Yeah, they do. Like face. I noticed that. But then they don't make it to as high of an age. Yeah. But they do have baby face longer. Okay, house.

1:19:57Here we go. We got a good rate. You're going to be really proud. It's fine. That's kind of just where rates are. It's about 5%. They weren't that when we got it. When did you get it? In August. Yeah. It was like a six. Yeah, it was like five, six. Yeah. Did you pay down? Yeah. That's not being proud. You paid down the rate. No, we didn't pay down the rent. Sorry. I thought you meant we paid down payment. Yeah, we did pay the down payment. What was your down payment? Like$14 ,000. What is that? FHA? What? Yeah, I'm really proud of that. Okay, it's fine. I guess. Puts you in a precarious situation in a housing market like Texas.

1:20:34I don't know. I don't know the address. How do you not know the address? Be so for real. Have you ever typed in an address? Yes, I have. You put the zip code first? Yeah, it was an accident. Because I saw the zip codes there first. What the f***? You're a kid.

1:20:53This is going to be the dumbest child ever born. Yes. No, I hope not. You think it will? What are you guys? You owe$357 ,494.89 with a 4.875 % interest rate at$2 ,560.28 a month. It's not coming up. It says we didn't get that. Huh? It's not coming up. What is it? Do I tell you the address? Give it to me Do we have the link to like Something maybe One eternity later No that's New Mexico Yeah we are in New Mexico Like state line It's like Oh wow You're technically in New Mexico Yeah New Mexico's a shithole Like actually No yeah it is You actually have an equity position for what it's worth Is this in the middle of nowhere It's worth probably about$381 ,500.

1:21:51Okay, so a little bit of an equity position, which is better than a lot of people are getting these days. New Mexico, interesting. New Mexico sucks. It does, but we wanted it to be on the west side, and that's the closest to the west side we could get. Yeah, that's real west side. That's hyper west side. In fact, I would say that's like ultra west side, as in across the state line. Yeah. Oh, my gosh. What are you doing? That's horrendous. Okay. Oh, shit. I thought that was the end of the day. What is this? What is this? Mazda. It's our negative equity Mazda. Is this a loan or a lease? A loan. What the fuck?

1:22:33$780.86 a month? Mm-hmm. Mazda what? It's a CX-50. Why? $41 ,744. See, listen. You're like, we can't afford our bills. Go get a better job. And then you got a better job and then you made your bills go this. Well, let me tell you something. Yeah, tell me something. I actually have the same exact car, but smaller, same color, everything, just a few miles on it. And then I went and I traded it in because I wanted the newer, bigger version. What am I supposed to get from that? That's why I'm making it. That you're dumb? Okay. Yeah. Oh, yeah. And then also, we thought we had finance for five years and we actually financed for six years.

1:23:12That's why the payment seemed better in our head at the moment because it was only$100 above. Girl, you owe$41 ,744.85. What do you think it's worth? Like$25 ,000. Well, it's valued at$20 ,129.

1:23:31That's insane. You're underwater by half. What the f***? That's crazy. Nope. That is absolutely crazy. Yeah, we want to get rid of him. Good luck. How? You're underwater by half. Yeah, we count. What's the interest rate? What's the interest rate? I think it's a four. Four? I hope so. Yeah, it's a four. It used to be a nine with the other one. Oh my gosh, your repossession is still on your... But like... But like what? Colton told us about it today. And like I was surprised because I didn't know I still had it. You said it in your experience. And he doesn't have your experience. No, I know, but like it didn't...

1:24:04It never showed in my... Every time I would check it or like when... Oh, it's on there right now. $7 ,502. It'll probably fall off in the next year or two. yeah finally is that the end of our debt yes oh what a mess guy oh my goodness checking account's all bullshit it started with 4 ,259 that's great but ended with 8 ,05 it's horrible zelling out zelling out salad country club smoke shop going into bullshit getting some bullshit donuts and hot something apple cash ATM which are who knows where the f*** that went vend for Troy zelling out bullshit pet smart going into bullshit smoothie king Moochies Mexican Vending Machine Vending Machine Chili's Teriyaki El Chuchiville El Chuchiville El Chuchiville is crazy Cimarron Pet Smart But it was again like a dollar Walmart It's hard to know $3.96 Probably bullshit Bullshit Nothing but cake Chipotle TJ Maxx Bullshit Bullshit Potential bullshit at Rosso's Grande Ice, Grande Ice, Grande Ice, Grande Ice, Grande Ice, Grande Ice, Grande Ice.

1:25:17What's that? $2.60 every time. Grande Ice. Oh my. What is wrong with you guys? 66 cents in savings down from 11. Well done. Yeah, bullshit, bullshit from Pilot, Pilot. Bullshit, bullshit. Oh my gosh, it continues, guys. What are we doing? Zellen. Return payment fee? Return payment fee? Club fee? El Paso? Bullshit. Zellen out, Zellen out. El Paso.

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1:26:42Or does something, I don't know. And then what is this,$10 ,000 in this savings? It used to be. Now what is it? Because it went down from$11 ,500. What is it down from$10 ,000? To$4 ,000. Why? Because we've been using my savings so we didn't have credit card money. What? You've over-maxed out your credit cards. What do you mean? Yeah, that's why. So now we're using my savings. See, you guys, my savings. Why do you talk like this? See, you guys are spending more than you make. You can't say that you pay your bills and then the rest goes to fund. No, you're overspending. You guys are broken. You've gone from$11 ,500 down to$4 ,000 in a couple months.

1:27:18You guys are headed down to being completely destroyed. $44 ,000 in this retirement account, but$4 ,000 of it is on a 401k loan, so about$40 ,000. It was$30 ,000? Your savings account was$30 ,000? Hey, the down payment came out of that for the house. Yeah, but that was like$12 ,000. Only$14 ,000. Okay, so half. So you've lost$10 ,000 in savings. by overspending recently. And look at your bullshit spending. It was thousands upon thousands upon... Yeah, I'm not stupid taxes, so I'm fucked. Huh? It's stupid taxes. It's my tax money. It's not even savings. Oh, you're draining your tax money for bullshit fun spending?

1:27:54Oh, look, you guys are ruined. Good the fuck luck. Did you guys file jointly or separately? We haven't filed. What are you going to do jointly or separately? Well, what's recommended? You might be worth separate. Yeah. I mean, how do I incorporate your income into the house? How do, like, I'll round you guys up to like$8 ,500 or something as your income. After you set aside money for taxes, I don't even know. Maybe$9 ,000. But let's see if we can do this. Obviously, we know your mortgage is$2 ,560.28. Okay. Minimum monthly debt payments,$1 ,241.85. And what's your gas, electric, utilities, all that shit?

1:28:35They combine how much? Around$300. Okay, phone bill, what was it again? $370. No, it wasn't. It was like$4. That was just the one time because he got a new device. Gas, room from drive, drive. Both of you combine. Gas? Me, it's like$48 every two weeks. Mine is like, I want to say$1.50. No. $200 a month. $280 a month. Car insurance is all combined? to 150 food 600 meal prep warming up not gonna be exotic not gonna be fun use the meal plan that comes in our debt class in the master your money program and use the cookbook obviously if you need to TP fund anything else needed for survival this is makeup toilet paper anything tampons all that good stuff $150 medical health care are there co-pays monthly basis no nothing at all no medications no it's free gym $60 a month for both yeah it's like$60 for both and then I take Legree and that's$200 a month that's the fat injection no what is it it's like Pilates but harder so$260 a month wait what was their gym $40 $60 yeah$60 okay so$260 I mean are you going yeah every day I just started Ah, that makes sense.

1:30:06$40 for subscriptions and you have pets. It's going to be like$200 for pet insurance because you got to be able to take care of them if an emergency happens. How much for pet food? I want to say... 300? Like 300 every month. They all eat different food. Yeah. Why? One has medicated food and then the rest are allergic to chicken, but the golden eats big kibble and then... And then there should be two pugs that are the same at that point. But there's a puppy. So there's puppy food. And then there's regular puppy food. You guys have lifestyle inflated the craziest. And you want to have kids? Yeah, even with this, man.

1:30:47Listen, even if you don't even have income coming in, you have an extra thousand a month after your necessities. That's it, a thousand. And I hope extra money comes in. Let's say an extra 2 ,000 or an extra thousand comes in on top of that after you set money aside for taxes on average. Like it's going to be chunks here and there, and you're just going to have to hold over. But you guys got to budget this like crazy. Your bad debt, the repo car should fall off soon. So I'm going to delete that. And the debt of your apartment debt, we'll let that fall off as well. So$59 ,899 of bad debt we have to take care of.

1:31:19And 90 cents. By the 2 ,000, we can put towards that on a monthly average. That still takes two and a half years. But that's fine. That's fine because you're not even 30 yet. you'll just be getting about 30. You're still a couple years away at that point. And being debt-free at the time besides the mortgage is great. And that leads, you can have a kid until then as well. You have to budget in a little for that, obviously, but you just got to bring in more money. Well, shit, you're going to want to stay home. Okay, no, hold off a kid for two and a half years, maybe. You don't have to, but it's going to slow down things and I want to set up the kid for the best success.

1:31:52Okay. Two and a half years to pay off debt and call it another year to get a fully funded six-month emergency fund. Three and a half years, then you're living 50, 30, 20. 50 % of these 30 % for once which will be a lot of money because you should be making decent money and 20 % and 30 % can go to or 20 % gets invested because you got to start catching up on your side and you you know decent foundation actually pretty good foundation but you need to ramp it up because in about three years you should be at 100 ,000 invested you're not even halfway there yet so that's where we are that's what we're doing that's the game plan guys do you think we can afford a Alexis because she wants a I don't care what she wants yeah dig a hole for yourself in the desert laying it, fill it up, and you'll be free.

1:32:33Listen, we're going to bring in the friend who applied for them in the post show and she wants to confront Chad for a bunch of shit. Oh, okay. The drama's going to be crazy in the post show, guys. Get ready. We're going to expose some more things between them that we couldn't talk about on the main show for privacy reasons. Join us in the post show. Let's get the Hammer financial score. Spending within a budget. Your response is 0 out of 10. Debt is collection, 0 out of 10. Emergency fund, drained it to 4. 4 out of 10. Retirement, 401k is going to bring it down a little because that's called due.

1:33:00Then you're going to have to pay. It gets, but even still with the 40 ,000 you have outside of that loan, I will give you a solid. Well, yeah, but then it includes your income because we're combined. So it's actually going to bring it down. I'm going to give you guys a three out of 10 retirement because you have nothing. Real estate equity position, good interest rate. Unfortunately, New Mexico, but I won't hold it against you. Okay, yeah, no. I'll give that a 7 out of 10. It would be nice to see a little more equity, but we'll get that in the years to come. Because after you sell with all the fees and commission and everything, you'll still just break even today.

1:33:37But Hammer Financial Score,

1:33:43that is going to be a 3 out of 10. All right. Join us in the post show. Three premium shows posted every single day, six days a week. It's incredible. Best membership number one on YouTube for a reason. come join us for an amazing extra 20 minutes. See you there. He has an issue where people ask him to borrow money and then those same people will go on trips or go out and pop bottles the day before after he already sent them money. And we're not in a position to send people money. Wait, you guys are training savings. Why the f*** are you giving people money? It's family. It's family and friends.

1:34:14And I feel bad. She's your family. You guys are training savings. No, I know my s*** is like the reason because of all this. What? Is because of a debt? No, no, because of you. Because of me? Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. New dedicated premium 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, and that's a promise. I saw this app. I got a hit. In the new limited series, DTF St. Louis, Jason Bateman, David Harbour, and Linda Cardellini star as three suburbanites who spice up their love lives.

1:34:53Wow. Don't miss the new HBO Original Limited Series DTF St. Louis, Sundays at 9 on HBO Max.