Childish Couple Won’t Stop Cheating On Each Other | Financial Audit

29:21And then she's late on a f***ing minimal credit card. I feel like it should already been paid, but she... I feel like your rent should be paid too, but I mean, hopefully it gets paid this month. Hopefully your rent gets paid this month. It's not. You're taking that as a joke too. Paying your rent and f***ing over your fiancé. In a way. Yeah, you're an upstanding person, aren't you? Why the f*** are you guys together? She's a piece of s***. I think I have, like, bad taste, clearly. I'm not joking. Are you? Huh. I don't know, you cheat on everyone, so. It was one time. Yeah, that's all it takes to be a cheater.

30:03What the f*** are you? What are you? I would never get with someone who's cheated. So if you're applying to be my wife, sorry, no cheaters allowed. Well, that was before, when he asked me to marry him. Huh? He asked you to marry him and then you cheated. Yeah, it was after. But I was struggling with my sexuality. Then you have a conversation about that. I did. But you're also getting married if you're having. Yeah, because he's getting married to you. Whether the person I'm getting married to wants to f*** any living thing, I would rather them only f*** me because it's monogamy. Well, he was open to like other options, just not the manager.

30:41Then why did you guys get divorced? Because I just wanted to be with a woman. So you divorced him? Yeah. You had a kid with him? Did you guys get married? Yeah, we were married. We had to for the military. You know, the benefits and the extra money. What a f***ing joke. What a joke. Normal$25 minimum to pay, but of course it's$57 right now with the fees and bull**** because you have$25 fee because we're late. $5.19 of interest. We're purchasing on a card that we're not even f***ing paying that we're late on. Are we kidding me? Come on. $58.32 of purchases? and what, again, your little high horse, congratulations, good job.

31:16You're purchasing on a car that you're not putting a minimum monthly payment to. What are you? What are you talking about? I gotta survive. McDonald's, you going paying the old pair? Oh yeah. A little visit? She loves her McDonald's. Yeah, you're getting up there? Right up in her? I mean, I have to eat. Yeah. Groceries. We could always get groceries, but you always want to get DoorDash. I thought you meant your ex's pussy. always going back to mcdonald's i took a break for a while yeah for like a few days wait i'm cheating or just strict actually mcdonald's the mcdonald's okay well you went to mcdonald's it's right there and it just yeah we literally went today too and a return payment and wasn't it with that card uh huh no no no what'd you say what'd you say i was just asking if because we literally went to McDonald's before we came here and I was just seeing how'd you guys pay for that with one of her cards I think it was one of her credit cards but I'm not she's not clarifying if it was or not so so you don't have enough money in your checking account to pay for this because it got bounced yeah no and it's on auto pay so the budgeter I forget the financial professional I didn't say I was great at it I try no you're not people who don't People who try don't have zero dollars in their check.

32:38Don't have less than$25 in their checking account. You don't try and have less than$25 in their checking account in your position. Some people, yes, there's situations outside of our control. Come on, you guys make enough. All right, guys, this is super exciting for this financial audit channel. I got big news for you today. For the rest of this month, if you join our YouTube membership at the elite level or upgrade from pro to elite, I'm going to pay for it. I am going to directly reimburse you for the$5 for upgrading or$10 if you join now. It's essentially like a free trial. Except since it doesn't offer it, I'm going to pay for it for you.

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33:51Three, two. And every single financial audit post show, plus member weekly videos. It's crazy how much we have going on. Well, I got so drunk, I kissed a grandma in Spain with only partial consent. And then I ran off. Stop! Plus, it really helps support this channel. So let me pay for it for a month so you have the opportunity to check it out. Make sure you click the link in the description below or the pinned comment below. And I'll see you guys there. And again, make sure it's the middle tier Hammer Elite so that I pay for it. This offer expires at the end of the month. Your rent's a bit expensive.

34:26Absolutely. I mean, it almost eats your entire rent if it was just on you. I mean, why don't you leave? You're f***ed. I don't know what's happening. And we know you guys love to. Well, I work there. So I get a discount. So technically. So that expensive one is post-discount? Yeah. It's actually a 2067 without the discount. Oh, you're doing so well.

34:50So they're 29.74 % interest rate. Great. Who's like sniffing nail polish remover? What's happening? Did I smell that? No. Credit One? Who has Credit One? Me. Jen, you. It's Credit One. It's the bottom of the barrel. If you have Credit One, you're the worst of the worst of the worst. I mean, a credit card came in the mail and you accepted it. No, I actually applied for it. You applied for this? Yeah. But then my boss, my old boss, was like, yeah, you shouldn't have Credit One because she has it and she hates it, but it's too late now. What old boss? My old leasing job. Yeah. Not that one. Also, I don't know at this point.

35:39$308.21 balance on a credit. Oh, it's$8 over the credit. What are we doing? What are we doing? You're a joke, too. You're a joke, too. You just put on a facade. You just put on a facade. Maybe we are perfect for each other. We're just going to end up homeless. So you guys are headed. No chance for retirement here. Normally, I recommend the Fizz card for our guests. because it doesn't allow you to spend money that's not in your checking account, but you still build credit. But you'd never have enough money in your checking account. I'd be nervous if you have anything. I don't know. $12.50 of purchases?

36:12Card that we went over on with fees and interest accruing? This is a joke. Why would you spend on here? You pushed over the credit limit. Why would you spend on here? The last purchase was for my daughter. She wanted to go to the skating rink. How often do you have each of the kids? it's a week on week off for both okay yeah because he's here right yeah he lives in arlington wait who gets the other kid for a week with so he adopted my daughter so legally they're just basically they're both his oh okay i do like them being together that's kind of nice yeah she's always looking after him yeah good huh who she's always looking after him my daughter yeah oh the older one yeah okay yeah roller week i i get that and disney plus okay i get wanting to do that for the kid.

36:58Yeah. How the fuck would you put it on a card that's going over that is always accruing interest and fees? I think when I signed up, it was with that card and I meant to use my checking account and I thought it was on her regular card. So skating rink subscription? No, no, not the skating rink. The Disney Plus. I'm talking about the fucking skating rink. You went there and you pulled out this card and you used it. I literally had nothing and she really wanted to go. You don't get to do that. You have to tell her no. It was her friends from her school. I don't give a fuck. You know I don't give a fuck.

37:24Who gives a fuck? you're not ever going to be able to do anything for her if you don't have any money. And you don't have any money. Now you're negative. Here. What are you doing? No, we don't do that. Who's my daughter? I know it's your daughter and you're f***ing her over. Can't say no to your kid. Yes, you can. That's what adults do. What the f*** are you talking about? On skating, that's the thing we can't say no to? What the f*** is she talking about here? Her daughter is bougie, okay? Bougie? She's living in poverty and credit card debt. There is no booze here. There's f***ing f***ing needles in a back alley.

37:58That's where this is heading. My daughter never sees her actual friends in the Louisville area, so I took her there. What the f*** is that? Because he lives in Arlington. He pulled them out of a whole entire different school and she really went to see her friends that she never gets to see. Were they going to this ice rink? Yes. They were going to the ice rink. It was like a whole thing for her school. You literally didn't have$11 to your name. That's how bad we are. Yeah. That part is the biggest joke. Yeah. you allowed yourself to get there. You could spoil your kids, but again, all the spending is ridiculous.

38:30The debt you're allowing yourself to get into is ridiculous. You not being able to step up and take care of your portion of the rent, putting her in a worse financial position, is also hurting the people that you consider to be your kids as well. You're just hurting everyone. Total fees charged last year,$231,$87 of interest, 28.49 % interest rate on this credit card. Takes a year to pay off just doing the minimum payment for only$308. crazy dude that's without purchasing guess what you always purchase you have a subscription on here i have a couple of subscriptions great yeah maybe we cancel them because we can't afford to literally live if you can't afford to live and pay rent without having to take out micro little payday loans we don't have subscriptions we don't have fun that's not something that's a luxury you're not entitled to that you are not entitled to anything i want you to have it all you're not entitled to it though you're really not i know but some of them are for my kids too i get that But the roof over your head is for your kids.

39:26I mean, I do work in the leasing office. I know. It doesn't mean they won't evict you. True. If you're behind enough. You're playing with fire here, man. I've never been late on my rent, though. You're borrowing micro payday loans. It's only a matter of time. You didn't have$11 to go to a skating rink. The f*** are you talking about? You are literally there. You're probably here as a last resort. That's what a lot of people do. You are on that edge. you are going to be drowning before you know it. You have like the last chance to turn it around. I have a couple of options. What? I can always just downgrade my apartment.

40:01Yes, I would highly recommend that. Immediately. Go on. What's next? Doesn't mean you still won't miss rent. I have a feeling you're going to feel like you have extra money, so you go blow it all, or else you wouldn't be in this position anyway, to begin with. Let's be honest. Go on. Number two. I just haven't downsized yet. Number two. What's the next option? Go ahead. Well, my tax return's coming up. Okay, well, that's a joke. I could pay off things. Listen, you could have paid it off last year, and this is where we are today. So you're either going to spend it or you pay it off with your tax return without changing your behavior, and then you build it up every year.

40:28My tax return last year went to bills. Huh? My tax return last year went to bills. And what's going to say it's not going to go to bills this time?

40:37No idea. Exactly. And why haven't you done so yet? What were you going to say? Well, I have a two-bedroom right now. I don't know if it's a good idea to go to a one-bedroom. Honestly, it probably absolutely sucks. Absolutely sucks. But guess what? you literally cannot afford a single thing in your entire life and it also hurt another issue is we've been together and she's had six different couches and we've only been together yeah six different couches six what are we talking about wait okay because because she watches tiktok and then once buy couches off of tiktok and then she's like oh i want to be like this tiktoker so I'm gonna get their couch because you had one video go viral I was trying to be an influencer but I so you buy couches that's how we become influencers guys hey the only reason our YouTube channel is successful because I bought a couch what are you talking about you know like the get ready with me's like the house decor yeah she's big on vlogs well she was supposed to go half on a couple of those with me and she never did you would have loved 2016 16.

41:52All right. So six couches over the course of how long? Is this an ongoing thing? Are we still buying new couches? No, I finally told her that this is the last one. So you had to have her tell you that's how bad it is? Come on. We agreed on that at least. But she actually was looking at getting another one and I had to shut it down. It's really uncomfortable. I got it off Amazon. What? Have you seen how bad she is And how she talks about her finances You had to rely on Orange is the New Black Over here to tell you that Not getting a couch every Few months is bad Like you guys are made for each other I was impulse buying a little bit Well yeah no No one buys six couches if they're not impulse buying Well I did sell the couch I still made money You did not make a profit One of them I did make a profit Yeah, the others know.

42:42Well, one out of six is not a great track record, I'll be honest, if we're talking about a business. Story of my life.

42:55What? Nothing. Hmm. So we're probably like halfway into this conversation right now. What are you guys thinking? Because I'm thinking there is nothing. no future for you both you're cheaters you never commit to anything you don't know how to you're not disciplined one of you treats life as a joke one treats them life as a moral superiority yet are both equally as bad in the actions what are you guys thinking so far because so far not a lot of hope on this side of the table I'll be honest there's hope over here why I need to get together I have kids you need to that is not hope You've needed to and you haven't One is ten That is ten years to get together You have not You chose fry vagina over the kid You chose like I mean come on You know Fry vagina Yes so you've had ten years to get it together You haven't I definitely didn't have a good footing there What do you mean everyone's nineteen when they're nineteen I mean I was pregnant at nineteen Living with my parents I didn't have my license or anything You lived with your parents.

44:06It's a lot better than a lot of other people that get pregnant. Well, yeah, I know. I just, my parents weren't really, well, at least my mom. I think my dad's good with money, but we're not that close. No one's parents are good with money. Is this excuse central? Do we never take ownership for our own actions over the last decade? I'm taking ownership, but. Really? Because I'm seeing you act like you're the morals. Neither did mine. Neither did hers, I bet. Neither did theirs, I bet. They tried, but it just didn't work that well. Yeah. Now, neither did most of the people out in the audience. Congratulations.

44:36You're not unique in that. That is a part of our culture. Most people are stupid with money. People have credit card debt. People are bad at retirement. Average person can't afford a$5 ,000 emergency. I did have that. You want to cry a little bit more about that? Are you a victim forever? Or are you going to take control? Because congratulations, it's been 13 years since adulthood. You've done nothing that entire time. Do I expect perfection at 19? No. no one ever said that i'm not saying that we don't even allow people to come on the show at that age anymore it's just because there's no expectation of perfection there you're learning you're figuring things out you fall you get yourself back up you've had 13 years to do it what have you done in 13 years nothing except getting worse no i only see fall where's the backup you're over on a credit one card the worst credit card you can get pretty much feeling buried under credit card bills personal loans or medical debt it's like your money's working harder for your lenders than it is for you, but it doesn't have to be that way.

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46:13And honestly, if I use something like PDS, I could have sped up the entire process. And that could be a good option for you in this audience. And getting started is easy. Go to pdsdebt.com slash hammer to complete your free debt assessment to see what options are available to you. Every day you wait, it's costing you more money. Get started with your free debt analysis in just 30 seconds at pdsdebt.com slash hammer. That's pdsdebt.com slash hammer. Take back control today by visiting pdsdebt.com slash hammer. I don't see the backup. Well, we're not. We're talking about recent, not my whole life story.

46:48Yeah, it's led to right now. So this is where your life is currently led to in the present moment. Well, at one point I did have an emergency fund. Congratulations. At one point I was a complete piece of shit. I had a lot of debt. Does that mean that that's what defines me? No. What's happening right now in my life is what defines me. What's happening right now is what defines you, not what you were.

47:11And what do you think so far? Let's hear what this quip is going to be. i think that hopefully hopefully after this talk i'll be able to finally get my finances together and what's this talk going to do for you in order to do that um hopefully it's a wake-up call and you know helps me actually have motivation to want to use budgets and want to not be so stupid with my money spend money on my games um yeah is that the 900 of miscellaneous bullshit because that's what fits in that category oh yeah i have an addiction to a game called fortnight and i have a game called fortnight yes no one's ever heard of that yeah um it's that old um so i have the crew the fortnite crew which is 12 a month what are you getting are you getting all the skins missing incredible is my favorite one yes yes no so it basically lets you have the battle pass the music pass the og pass and whatever passes all together but i also like to go in the item shop and get cars, get skins, get emotes, you know.

48:32And this is more important than paying rent.

48:36How much is all that a month? Sometimes. I mean, obviously, that's just you trying to be a silly little goose because you take nothing seriously in your joke on this planet. But go ahead. How much does it all add up to on a monthly basis?

48:51Last time I checked, it was$2. two to three cause I also get it for the kids two to three what that's 15 % of your net income that's a joke to Fortnite f*** you you spent two to three hundred on video games yeah sometimes when the skins are good and the you spent two to three hundred on video games but you're harping on me about a couch that we use everyday but you're spending money on video games it's six mine is just one game how often are you doing this cause we have game night all the time month um a month yeah but but i'm you know eventually i'm gonna stop but when eventually not why'd you just look into the camera for that why'd you just say eventually i'm gonna stop like this um because i look away when i'm trying to well stop looking at the camera it's weird it makes people feel weird out there okay i'll try that's not funny i'll kick you off i have no problem kicking people off well look there's a nice car in fortnight that i had to get it and and then they had this skin and you do it for the kids yeah but you would rather them have that than a roof over their head good job what a future stellar mother you're gonna be emerald advance loan what's this for oh yeah that is from 288 past eight um so basically they let me borrow they give you this card and you can borrow money before you get your taxes it's your tax return you get it before yes yes and basically they get uh the lady messed up and gave me too much so when i did get my taxes just spend it all if you got too much did you know it was too much no and so when i got my taxes it wasn't it wasn't even close to that amount because i used to have a problem with having job to job to job yeah surprised i mean you've only been at yours for three months shocker look i'm trying to stay here you know you're trying i'll gift you a course career certification they have trade ones now like project management for construction maybe that'll be good for you i don't know construction no no but take the free take the free quiz and we'll give you a certification okay go on go go what the you haven't paid this in uh yeah Almost a year for why?

51:15$640, something you took, you know, two months of your Fortnite. Fucking stupidness. Come on. What a child. Oh, what a fucking kid. I'm just hoping that when it comes to my taxes, I can just pay it off with my tax return. Are you going to borrow preemptively for these taxes this year? I'm not going to try. What is trying? Not going to try. She has this. Does she have this annoying little smirk after everything? When she knows she's like in the wrong. Yeah. Okay, that's so weird. Because it also comes across as almost like fake. It's so weird. It's just like, control your woman. Can you just fix your face?

51:52I don't think it's possible. It's just naturally like this. Okay, so you're not going to try. What the f*** does that mean? So she got the advance, because she's horrible at telling stories. She got the advance last year because we were behind. Rude. We were behind. So this wasn't even just to get the taxes early because it prompted up at the end of filing. No. site. You specifically sought this out. When I got my tax return, we were behind on rent and a couple other things. How much was your tax damn return? Child tax credits and whatnot. Mine was like 4K. And it all went towards bills. Oh, yeah.

52:24Yeah, I'm sure. I bet. She backed me up. It did. Yeah. It did. And then hers, same thing. I see your bills. Come on, guys. Shut the fuck up. Okay. What was the minimum monthly payment on here? Honestly, I don't even know. Did you ever call them? Like I said. I was supposed to call them. Okay. When were you supposed to? During work. During work. I'm asking when, not what period of the day. I was supposed to call them about three weeks ago just to see if I could pay it with my tax return, but haven't discussed that with them. well it hasn't gone to collections yet as far as i know so yes pay that why would your tax returns be substantial though unless you're giving too much out of the gate like what you don't qualify for anything you don't have any legal do you have any children no okay u.s bank what's this um so when i first moved to new york with her um it's internal collections currently yes um basically um when i moved out there we kind of went on a splurge wait from where where'd you move from oregon oh my gosh okay and hey listen if anyone wants to move across the country from me my yeah so calebhammer.com slash only fans and so basically i i moved well i was only supposed to visit her and be there for three days and then i just never left you guys are so lesbian yeah yeah you all we definitely fit that category there um but basically i basically spent i don't know how long it took us to spend the whole card but both together yeah we went on a splurge i can't remember what we got how long ago was this she was just visiting me so i i was trying to just spoil her and oh so you she didn't know that you're racking up a credit card right yeah basically and then what did you do for work at the time um i still warehouse it was still warehouse yeah they paid better a little bit well the cost of living is different as well so yeah and then i was also living with my parents so stuff was a little bit cheaper back then for me then why'd you not pay this off well you didn't go back so so my issue was yeah i really moved in after three days yeah that is wild and that is well to be fair at first her flight got delayed yeah they messed up they were trying to get her to go to south dakota yeah instead of oregon yes which was weird they they basically wanted me to instead of getting picked up in new york they thought i was in south dakota yeah you guys met on tiktok and flew across the damn country yeah it was a nine hour flight we were only talking for like a month and a half it was not a nine hour flight you must have had a layover yeah i did okay but um and so i basically tried to call them because U.S.

55:20Bank is not in New York. There wasn't anyone nearby that was like, the closest one was like I think it was six hours away in New York. And shortly after I was trying to figure out how to pay that card. And then her bank account? Yeah. And then someone hacked that account so I wasn't able to get back in there. And yeah, that is past due as well. Well, it was a whole thing with the bank. They thought she was like some threat from like Mexico or something. Yeah, they basically thought I was a terrorist trying to get back into my own account. Yeah. It was crazy. No. I was going to say, you're pretty pale.

55:55Damn. I guess I need to go tanning now. No, that's not what I meant. Let's add that to it. No, keep your skin young. It was like a whole thing, and then she couldn't pay them. They were like, you have to go in, and she couldn't go in. No, yeah. They basically wanted me to go in and verify myself. But yeah, that is. I see some numbers in here. It's very blurry, so they're telling me. Okay, it looks like there is a settlement amount. So you owed$723 ,000. Yes. But there's a set amount of$253 ,000 to pay it off completely. Yes. Well, her parents didn't mail that in time, so that's actually dated from September of last year.

56:28So not even sure if that's still going to be valid. And I don't – did you go? Well, let's at least act as it is. No, of course she didn't. No. She's never done a single adult thing in her life. I mean, you never fucking grew up, did you? You lived at home until you moved in with her and mooched off with her. So like I was with my ex. I lived with your ex. Okay. So I'm just off parents. Mooch off her. No, she actually. No, I basically had to be her sugar mama and basically pay for everything for my ex. Cause she, she decided for that then. Um, exactly. I don't even know the number. Ford Fusion.

57:06This is the lease. That's my car. That you're. No, no, this is my vehicle. But you were complaining about hers and you have this. Shut the fuck up. It's a 13.25 % interest rate. I got in a car accident. You have no moral superiority in this conversation. I got in a car accident. Does she pull that in conversations often? Acting like a moral superior? Yes, most definitely. You can't do that. You guys are on the same playing field. What's the... You do that. You've done that in this conversation. Well... Why do you think you... Fair, whatever, fine. But I got in a car accident and I needed a car.

57:42That's so dismissive. I got in a car accident. I needed a car. That's all I could get. But you are incredibly dismissive or you're not able to have a conversation and address your own internal issues. You're not willing to have other people talk about what you might improve about yourself. I know that's hard in the moment, but as long as you reflect on it, like I get it. We as human beings, like when someone confronts me in person, that is difficult, but I'm able to reflect. I'll reflect later, but I needed a car. Are you actually, is she able to reflect? Is she a reflector? I don't reflect with her with the conversation.

58:12No, but she would see it. She lives with you. She's engaged to you. You guys have been together for three years. I think she could answer the question. She reflects eventually. It just takes baby steps. You guys fucking like each other? Yeah. Yeah. Just not maybe right now in this conversation. Yeah. Just fair enough. When it comes to finances, really, no. It's one of the leading causes for divorce, and you guys are joining the demographic of the leading divorcees. Yeah. maybe we should get on the same page here have we gone to couples therapy no we're gonna do that before we get married good you get three free therapy sessions thanks to Sondermind one of our partners so take advantage of that I use them personally and I always recommend the audience uses them as well they're great oh I'm being told you were given a chance to call oh it expired in September her credit card yeah the potential settlement thing it's hard to say It's very.

59:09Yeah. Okay. Okay. All right. Okay. So the Ford Fusion is yours. Yes. A$500 one dollar minimum with the payment. You cannot afford this right now. And then also she has a check engine light. One of her lights are not working. One of what lights? What light is it? Okay. So passenger light because she was driving. Okay. Well, that's what do you mean? Like a headlight? Yes. It's my car. I'm going to get pulled over. Yeah, it's your car. What the fuck does that mean? Because let me talk. I hit a pothole. So I was trying to go to the city. Talk to her all the time. Why are you being a bitch? Because this is about my car.

59:47I tried to get help with it because I hit a pothole in the city and sometimes you can like go to court or whatever. When was that? Last year or something. Yeah, it sounds like you didn't try to get help for that. I did. I went down to the city but they said no. Well, there you go. Congratulations. So get it fixed. It's been a year.

1:00:05Congratulations. Welcome to adulthood. You have two kids. I was going to get it fixed. It's a thousand dollars. at least with one quote I got. And you shouldn't have$1 ,000, but you guys blow$800 on miscellaneous bullshit. So what was it? $500 on going out to eat? Well, my check engine lights on. $500? $500. It is that much. I've told you it was that much. Unknown shopping, things we don't 100 % know, was about$652, probably half bull**** and half not. That's typically how we find it. Of the large purchases, many times bull****. $1 ,619. We'll go over that soon, but we're getting your debt now.

1:00:36Fuck you, you don't have enough to pay for that. You don't have enough to pay for your rent. You don't have$25 to put to your card. You're immature. You're spoiled brats. At least I have car insurance. You enable each other. Congratulations for doing a basic bare minimum. I don't have enough to get car insurance. You don't have... Thank you. I got a lot of bills to pay. What a fucking joke. Joke! I had her on my car insurance. How did they let you get this lease on car insurance? I added her to my car insurance and then it racked it up to$1 ,000. So I told her I couldn't afford that and she had to figure it out on her own because I help her a lot.

1:01:14No one of you guys haven't put combined accounts because that's a mine, hers, mine, hers. And you guys should be like that right now because you're not married. But oh my, this is insane. What do you think the car is worth? You owe$16 ,000 on it. My car, I've gotten quotes. It's like eight, nine is the most I've gotten offered. Yeah. Yeah. Underwater by over$6 ,000. Yeah. Well done. at a 13.25 % inches right at you. Are you kidding me? Come on! How long have you not had car insurance? So I've had it for a month. Yeah, how about how long have you not had car insurance was the answer to the thing that you should be doing.

1:01:51Five months. November. Something I haven't recommended on the show before, but I'm unfortunately getting to with you guys. delay the marriage. You're not ready yet. You're not ready yet. You want to be more financially well off. You're not because you can't control yourself. But either way, she's an anchor right now holding you guys back even still with her behavior, her desire, her lack of desire to change. And how bad this all is. Did not get married yet. You guys are not ready. Again, you're already in the highest statistical category for getting a divorce. Why add one of the leading causes for divorce?

1:02:32This is so messy. Do not get married yet. get married eventually, but only after you guys fix this. I'm glad you guys are ready to go to therapy and you guys need to use the simpler budget app that we created. Okay. Okay. All right. But let's see if it works. I don't think, well, it, it works based on the user. Therapy is only good based on what you do. You don't just go there and sit. It's actions afterwards. You get homework. The budgeting app doesn't work if you're not putting in the work, if you're not categorizing things. She's being annoying again. Yeah. Here's a money mistake that I see all the time.

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1:04:08How do you like this? How do you guys... You're a defensive c*** and she's an obnoxious child. How do you guys put up with each other? I can't for barely an hour right now. It's already been an hour? She says everything like she's a f***ing weirdo. everything is like the pitch goes up it's already been an hour what like everything's like performative with her but her entire life is a joke i will ask to the audience for the sake of the audience right now because you guys seem insane but you know what the finances we look for we that's typically what we get uh you guys applied to come on the show from where i applied from where like watching the youtube videos yeah and also my uh and you guys are real people yeah yeah yeah see this is actually this exists these are your neighbors these are the people in your lives your co-workers like your co-worker recommended it you said your assistant manager yeah okay so she knows your finances are no she just knows a little bit the backstory between like me and her oh she was like you guys are both cheating pieces of to go on the show She didn't know that part.

1:05:20No. Well, they do now. Well, yeah. What do you think about that? They kind of already know. They kind of already know. We're open. We're all girls. Yeah. I bet you guys are going to be very open in the future.

1:05:35What are you trying to say? Open relationship. No. Or divorce, because that's how you guys operate. Not you guys as in a you guys situation. We already tried that. Huh? You guys tried open. Who wanted to be open? And? It didn't work that well Why? So basically when we went to Austin last time We met up with her best friend You f***ed her best friend It was a threesome No that's not what it was I was just there This is a human centipede What did you You were just there you sat in the cuck corner She sat in the cuck corner I was just laying there. And they just, which is crazy. They didn't really like each other.

1:06:23They still kind of don't. But you were attracted to each other. No, they're not. What the f***? You guys are so weird. She blames it on the alcohol, but I don't know. I was drunk. And she's still like your best friend? Not, we haven't really talked that much. Yeah, since your fiance f***er? No, just recently. And you watched? Necessarily. watching the TV. And you were okay with this? She thought it was hot. She was watching TV? Yeah. In and out of the TV. I was mostly watching the TV, but I was like, okay. When I came back, after I changed, they were cuddled up in the bed together, so I slept on the...

1:07:03Oh yeah, people cuddle after sex. No, it was before that. So I was like, oh. That's a bit weird. Why can't you guys keep it in the pants, dude? you guys are not going to end well this is not going to end well who has the quick silver this is not going to end well very quick to call that out okay go on what's going on with this oh the second credit card that you were over the limit on the good one at finances

1:07:33i don't really know oh good why would we why would we know anything i just got an approval with the credit karma and i was trying to like get my credit karma yeah you're over the credit limit i don't think that's how you get your credit up why not when i originally got the card yeah you are now though and that's all i give a f**k about okay great 25 minimum payment huh you made this one good job proud of you it's an auto pay yeah so was the last one and it got denied because you didn't have enough money to check an account because you don't want to manage it because you're literal child and then even after the$25 of purchases there are 20 or$25 of payment there's a$28 of purchases and 7 cents with$5.09 of interest taking you from$199.53 which was a little under the credit limit of 200 to now above the credit limit at$204.67.

1:08:27Damn did not know that she's using that much. You did I told you I had to go to the Dollar Tree that's why I had to use the card. Why do you have to go to the Dollar Tree plus Amazon? She ran out everything. Oh yeah, she has addiction to Amazon. Let me see your orders. Pull them up. Start a screen recording. We'll black out private information. There was two weeks in a row that she had two to three packages a day at our apartment. Were they necessities? No, just random stuff that she saw on TikTok that she wanted. You've had so many fees. So many fees last year. You were late like five times on here.

1:09:03yeah oh what a this you guys are good this is a this is a this isn't a ticking time bomb this is exploding before our eyes wow you came on at the i think before the last minute i think you guys are done i think you guys are done you guys get along you know what's interesting we have couples that come on and they they they bicker a little bit because they're getting confronted with their finances sometimes it's easier to deflect to the next person but usually the pre-screening calls are a little pleasant. I'm not on them, but I hear about them. You guys were fighting on the pre-screen call. Well, there are things that she mentioned that I didn't even know about.

1:09:40Like the video. Yeah, you guys were fighting like this is already you guys are done. Cheater done. Okay. Come on. I want to say some of these. I had a gift card. Don't care. Okay. I just want to see where you put it down. Yes. Yes, yes, yes.

1:10:00And whose phone if I search has Tinder or Hinge or Bumble. Nobody's phone has that. We're confident in this. She doesn't like the dating apps and they all know what Tinder is for so I'm not on there. Yeah. I'm good. A sandwich cutter? Really necessary for survival. A dishwasher? Magnet clean and dirty? Really necessary for survival. I still have my gift card. Another duvet that I bet you did not have. Gift card. It was for my birthday. Yeah we literally had a duvet but she didn't like it no more so she wanted to switch to But it's on my gift card that you got me for my birthday Modern, silky, soft, threaded sheets 128 gig micro SD It's for the Switch for the kids Oh my f*** For Christmas Christmas, you cannot afford a Switch Okay, so we have cats Because you got a new litter You didn't have a new litter holder before?

1:10:54When we moved, we needed like We didn't have a lot of space In October Oh my f*** But you just got this at the end of last month yeah i we switched rooms with the kids and everything so it was cleaner carrying case for nintendo a charger for the switch it came with one if i'm not mistaken another dock station doesn't it come with one so my son didn't have one because somebody left it in my old leasing office so my paw patrol great yeah that was memory foam mattress you didn't have a mattress my cat had like an incident and like peed on it so i had an incident sounds like it just peed on I don't even have an incident and peed.

1:11:31It was a long story. Was it breaking? No. So basically we were in the middle of a move and I guess we blocked her litter box. And so she peed on one of the kids' beds. I absolutely love cats and I want cats again. This is one of the reasons why I won't. They're just so, if they don't have the absolute perfect condition. They're so picky about life. Okay. Like, I don't know how they ever survived in the wilderness before they became. No idea. Especially our cat. She's very like. View gauge, HDMI cables, headset. All Christmas. Hair extensions for who? I think I bought that and returned it. But it was for me.

1:12:16Okay. This is my real hair. Yeah, your hair's nice. Thank you. Okay. Mostly everything was from Christmas, but that was also a whole situation because she spent more money than I, than she had. And then I couldn't pay rent. You guys aren't allowed to spend money when you can't pay for rents. Exactly. That's the point. 30.24 % interest on here. It's horrible. Horrible. Yeah, my credit was not great. So I thought the credit card would help. Didn't you over max it out? What the f*** are you talking about? I wasn't planning on that. Well, obviously you're not a credit card person then because you can't manage it, which is, I mean, that's clear as day.

1:12:51You don't open credit cards if you haven't been able to prove that you. your other credit cards were already maxed out what made you think you could manage a 200 dollar card there is no no example in here that would suggest that we needed the extra money there's an actual response do you want a snack do you need a little snackage no you're grumbling you're tumbling you're grumbled go grab a snack it's okay okay well go grab a snack i'd like to I should not have an amateur brown in front of me for a second anyway. So that's okay. Oh, she's tall. I made fun of her for being shorter earlier. She looked sitting down in that chair.

1:13:28They got to be taller than me. Well, how tall are you? I'm 5 '3". How tall is she? 5 '7". Oh, she's not that tall. But I guess for a woman, isn't that a little tall? Just a little bit. Okay. I don't know the average height. I am 5 '9", the average American male. Including in weight, unfortunately. All right. So we're overdue on whatever the screenshot is. Usually screenshots equal her. Yeah, that was the card that I had. Barbecue Lays, good choice. Just don't eat into the mic. Oh, yeah, that's her Cash App account. Okay, your Cash App is behind. Great. So that's a joke. What's the total balance owed on here?

1:14:08I mean, I see a$321 payment. I'm sure your Cash App loans are denied. Yeah. Once she pays, she has to delete her account. Yeah, and then I got a warning that I have to delete my account and make a new one if I want to have cash out. Okay, if you crunch into that mic, I will literally shank you. This is a podcast lady. Yes, she's such a little memester, isn't she, and everything. Basically. So you have a third child that you've brought on. It feels like it sometimes, yeah. Can we mute her mic real quick? Let's mute her mic for the sake of the audience. If I have to ask her a question, we can turn it on.

1:14:40Let's mute the... Okay, so you don't even know what Is that the total? So that's the total So all you have to do is do$321.70 And then you're fucking good It's crazy, man Yeah, and then they also will let me do payments Can I see that bag real quick? Can I see that bag real quick? I changed my mind It's annoying Damn, and then you're gonna eat it? I'm hungry How are you gonna offer me to get a snack and now I can't even eat it? You got a couple chips, you're fine it'll settle it'll settle all right whose credit karma am I looking at um I don't know you gotta let us know what's on there I didn't see the lease do you need our lease I can pull it up well it might still be in here oh wait for her car yeah where's the lease I just sent the email to Lindsay she can't access anything why it's under her grandma's name everything has to go through her grandma you're really willing to f*** your grandma over too so your fiance is not enough to f*** over you're gonna over f*** a grandmama there's gonna be a time where you are not making the payment one of you is gonna cheat on each other and the other one's gonna you haul the f*** out of there and then all of a sudden you can't afford bills and you're gonna f*** over your grandma because it's not her name are you on it at all?

1:16:01I don't think she is though alright so what's the least term length? um they said that it would be paid off by the age of me being 31 no that doesn't make sense you did not you didn't get a seven-year lease yeah that's what it was no i i can't even tell you i wasn't there so i'm not sure that's what i thought it was are you sure it's a lease and not a loan did you lease it or did you get a loan oh my you don't know anything this has to be a loan then it must be yeah car loans are available but obviously I mean her grandma has really good credit so I mean are you did you lease it or did you well the total of it is this has to be a loan 31 and then the first 31 what 31 what well no 32 32 what grand for the car how much was the car 32 and the loan and the amount that you have to pay back is 32 yes that's not a lease what is that it's a loan for the entire car and you said it's a zero percent interest no it's not you probably had zero percent for like an introductory month or something maybe six months i bet this is like 20 something crazy and you have no idea download credit when'd you get it um when'd you get it back in nove download credit karma for me are you on the wi-fi Yeah.

1:17:27Good. Download Credit Karma for me. Do you have Credit Karma? Yeah, I already have it, but I never used it. Open it, open it, open it, open it. Or is this your Credit Karma? Whose Credit Karma is this? That Credit Karma is mine. So you have student loans. I sent a screenshot. Yeah, I do. Okay. I've kept up with those. They're deferred, so I'm not getting extra interest. Deferred because you were in the safe plan? Yeah. So just like I almost say every episode, I feel now. That's being challenged in court, and we also have a new head of the Department of Education. You're likely going to have to start paying on those again.

1:17:55Yeah, I know. I'd prepare for about$150 payment. But roughly that's what they are,$120 to$150. Yeah, but you're in the firmament right now. Yeah. Over here. Yes. Yes, that is for me. Okay. Oh, good. 533. That's who I'd want to partner with for credit school. Well, eventually I'm going to get open a different credit, different banking. And then. Banking. Because with Chase, since my credit is so bad, because of the U.S. bank card. They won't let me open a savings or get a credit card with them. Touch the table again. I will smash your fingers. They are loud. You are an actual little f***ing... Good thing I didn't become a teacher because I would have murdered.

1:18:44Oh my gosh. Open accounts. I don't think it's going to show. It's not showing yet. Are you sure you're on it? Yeah, that's what I'm worried about. Wait, total accounts. Let's wait one second. One second. Nope. Close the account. I feel like with a cosigner, she would be on it somewhere, right? So I don't know if she cosigned or not. Yeah. Then maybe I'm not on it. Maybe it's just solely her. What's the payment monthly?

1:19:11$5 ,68 and some change. And the balance is$31 ,000? Yes. Is this a new phone? No. It's her old phone. You have a new phone. Because she likes to get a chance. Who thinks that you get to get a new phone? They're both paid off. They are paid off? Yeah, we switched to Spectrum and they paid it off. Oh, really? Oh, so you're under contract now, probably. No, we were with Verizon. And then when we switched to Spectrum, they paid off our phones. They paid it off. I'm guessing because you probably got locked under contract. With Spectrum? Yeah, it's only$35 a month, though. Yeah, how long is the contract?

1:19:4612 months. I was thinking about switching. $35 per? No, total. Oh, that's actually usually pretty good. Yeah, Verizon, I was paying like$300. and I was like, that's getting ridiculous and they have fees and they can't explain them. No, we tell people to do helium for 15 bucks a month. It's the same as T-Mobile essentially for coverage. But at the two lines that you guys are already at, you're a little losing like five bucks, but that's not the worst. I don't like that you're in the contract, but okay. Okay, so student loans we don't need to worry about yet, but maybe here eventually.

1:20:21Oh, so the balance On your student loans is like$13 ,000 Right? No, it should be about$10 ,000 Is this your credit card or do you have student loans? No, that's hers Unless it's 16 That's my car There's the Department of Education here,$2 ,368 Then on there, there was$10 ,915 $10 ,000 is the total I have three student loans Then why am I seeing it? no I'm seeing them separate they're separate because they didn't have a maternity program so I had to like quit and then re-enroll I'll leave it at 10 ,000 yeah it was weird they didn't have maternity leave I could pull out my loans okay on time okay so these are other credit cards am I missing any debts here guys these are horrendous let's be clear but am I missing any debts before we go into our checking accounts where the most the spending is i also have um an app that i need to pay back that's called impossible it's called possible oh possible we both have possible i owe 150 i don't know what she is and you 62 okay so 112 wait 212 you so wait how much were you hold on i have the app no no what did you say?

1:21:39I think it's$150. Oh, okay. Too tough. Okay. Anything else? I mean, technically my car. I don't know if that's considered a debt. Your car. Your vehicle. Yeah, I need to get fixed. We already talked about that. Oh, the$1 ,000. No, I wouldn't say that. So we have Earn Impossible, Indebted, Harrison Harris, Dave Inc. Oh, my. Bridget. They're typing them all out to me live. Yeah. Flex Finance. Oh, yeah. That's not a debt. Yes, they are. No, we use it to split our rent. Flex. Oh, Flex. But what about all the other ones? The earning, the possible, the indebted. Yeah, those are all the apps that we borrow from.

1:22:12Exactly. How much do we owe? In total? Yes. I don't want to do the math. Are you kidding me? How are we going to pay debt if we're not? You guys are so f***ing. $417 in a Capital One checking account. Who has this? I'm all Capital One. Yeah? Okay, cool. There's earning. F*** you. I told you my own question. Going in and getting some bulls***. Zelling money out. McDonald's. Zelling money out. goodwill, hopefully for the kids. Hopefully not some bullshit. I don't know. Who knows? It better not be a f***ing toy or anything from there. It better be clothes because they're growing good. Netflix definitely don't need it.

1:22:46Definitely don't need it when we can't pay our f***ing rent. Thrift giant going in and getting some BS. Withdrawal was rejected. Withdrawal was rejected. Withdrawal was rejected. Rejection. That's because it's because the apps pull my money on Wednesday but I don't get paid till Wednesday afternoon. You should not be living like that. That is a f***ing joke. More earning. Deposited in. Cash app out. Cash app out. Amazon Prime. Door dashing. Raising gains. We're door dashing when we're living in practical poverty, essentially, in the future. Easy pawn? Easy pawn? What is that? We pawned my laptop to get money for rent.

1:23:22Ah! And then literally the same day you door dashed. We're pawning a laptop and you're door dashing. I think that's why I got it back. Mothers of the year! Burger King earning hot potato hot potato DoorDash DoorDash McDonald's told you Hulu McDonald's donuts Zell in our money DoorDash and McDonald's Raisin Case McDonald's cash up in our money McDonald's is her addiction I love it too look at me I'm a fat but guess what I can afford it you can't pay for your kids roller ice skating rink for$11 f*** your McDonald's You're McDonald's DoorDash Earn in Cash app Apple Oh my Earn in Go in and get into BS Go in and get into BS Alcohol at Specs I think it's for her birthday Whose birthday?

1:24:27Mine Her birthday She's 24 It doesn't matter It's not a birthday that matters You're an adult Pay for rent for your f***ing kids' sakes. TJ Maxx, Amazon, Amazon, Amazon, McDonald's. Five below, likely getting some BS. Cash app and Nintendo. Christmas gifts. You can't afford it. Sorry. The TJ Maxx one, that was for the white elephant for work. Amazon, don't give a f***. You can't afford it. Don't participate. Domino's, McDonald's, McDonald's. Getting some BS. Ikea. Oh, that she paid for it. Open your damn phone for me.

1:25:03What a joke. So you just have storage as your subscription. Open your phone.

1:25:12And out of all the subscriptions, it's not the one I oppose.

1:25:19You have Apple Music. I'm glad you guys don't have a lot of subscriptions on there. I know you have Netflix and bullshit. Gotta stop that. Okay.

1:25:33chase is that you yes donkin zellie money out door dash chick-fil-a mcdonald's are just as bad apple build door dash and taco hut why aren't we even door dash together you guys live together this is so crazy door dash dash pass selling money out cash advance more nintendo going in getting some bs easy pawn what that time it was i think it's the same thing she paid for it originally and then i paid to get it out this is crazy man going a wing stop going in and getting some bs apple bill nintendo dorseshia mcdonald's you said she's addicted you zally not money empower cash advance apple bill market something you went and got some bulls nintendo what's your retirement i don't have anything what a joke what's your retirement don't go what a joke guys what a joke what a what an embarrassment of an existence i'm sorry it's offensive i don't care you need to hear it it's real people probably coddled you and been nice forever it's not you guys it's sad and you're gonna put your kids through a f***ed up future and they're the ones that matter in this situation because they did not consent to be brought into the world yet you brought them into the world.

1:26:56Probably some whoopsies here and there. Sure, but they came in. Income for the house,$5 ,100. Rent, one more time. $1 ,850. Utilities. Gas electric. Want to say like$220? For everything? Yeah. Including the internet? Just pay electric. Oh, with the internet, it'd be$300. So internet's$50? Okay. so utilities 250 phone bill you said 35 gas vroom vroom drive drive for you 100 a month how much for you 200 so 300 total car insurance mine's 170 what would yours be um I'm trying to have it be around what would it be if you got it today 100 can't do that no it's 200 okay 200 plus 170 okay well the whole thing is i was just gonna have a high deductibles to have it be cheaper 370 okay necessary food you get them every other week okay you could probably do use the cookbook use our budget-friendly cookbook it comes with the premium version of the budgeting app which by the way those who sign up for annual you get a founder's edition physical budgeting book with my signature physically signed by me I do plan everything So it's$100 a week for me and her Guys you go out to eat every day So your budget's fake Shut up Shut up you go out to eat every day Your budget's not real for groceries You're going to be meal prepping a few times a week And you're going to be boring with your food It's what it's going to be temporarily If we can even figure out how to get out of debt We're about to find out TP fund anything for the kids Anything extra to exist All that good stuff If it's anything else, 200 bucks for the house, necessary food.

1:28:46Let me think. I think we could do 800, 700 to 800. I'm going to do 800 and just hope it's less. Yeah, it should be. I'm going to do 800 though. Medical healthcare. I'm covered through my job. Co-pays, anything like that though? 75. I'm in therapy. Okay. So that's 75 a session. Yeah. How many sessions a month? Okay. 150. and then once i get hired on completely um i um i will start having insurance but um through the temp agency they they don't give any co-pays or anything no okay so 150 okay subscriptions no yeah you have pets how old's your cat she's two one cat yeah yeah get pet insurance i'm gonna do 40 bucks okay because you guys could not afford an emergency if it popped up how much for cat food and litter on a multi basis?

1:29:39We get the big bag so we don't buy cat food. Come on. 50 bucks. Okay, 50 for both. Cool. Anything else that needs to be in your budget that I have not calculated on other than the debt which I'm about to calculate? Tolls. I have to take the tolls. Why? I got to drive to Arlington. That's 40 minutes with tolls and I have to use them. What about without? It's an hour but I only get a two hour lunch. Why are you going home for lunch? two-hour lunch is great. Why are you going home for lunch? I'm not going home. I have to drive to Arlington to pick them up and then drive back home during those weeks.

1:30:12Pick who up? My kids. So during lunch, you pick up your kids and bring them home? Yeah, I get to work an hour early and then I have a two-hour lunch to make up for it. Who takes care of the kids? It's week on, week off. Yeah, so who takes care of the kids while you're at work or is it remote? Oh, they just hang out. Yeah, they just come to work with me basically in the game room that we have. Or they can just go home. Either way. How much for tolls? It's$100 a month. Okay. 568 for debt payments. No, that's incorrect. Sorry. That was the last ad. $1 ,402.66 for debt payments. I'm doing this married because we're attempting to be married, which I honestly really think you guys should delay, which I do not say lightly.

1:30:53I would delay my marriage. There it is. Sorry, guys. That's the reality of the debt situation you got yourself in. You'd have a good wiggle room if you were not in debt, but you're literally under by$497.66. So a couple options, allowing some things to go to bankruptcy or allowing some things to go to collections, hoping they don't come for us legally. They kind of can, but I'm just waiting that out, having a credit and good luck ever getting another apartment again. It would essentially have to be in your situation. You can go through bankruptcy, which same thing. You guys won't have a life for like 10 years involving debt or any kind of good debt.

1:31:37Good luck getting a house. And we could work more hours, get a second job. You know, someone's getting an extra job without cheating on their manager. You know, well, with. I recommend her to get the second job. If you bring in, can you get a second job? Can you bring an extra thousand bucks a month? A thousand? Yeah, net. I would need you to add your income by about half. then i would have to get a full-time job well no about 20 hours a week i told you then then yeah which sucks but we get a part-time job but the only issue is like my hours i work is from 11 to 7 30 and 11 yeah 11 a.m to 7 30 p.m oh okay cool you might just have to pick up some night shift somewhere that sucks it really does suck but the thing is it's minus the student loans so$20 ,519 of bad debt$500 so if you make an extra$1 ,000 still takes 41 months to pay this all off guys three and a half years then probably an extra three quarters of a year to get a fully funded emergency fund and then you're catching up on retirement and you're starting it so but that's an option it's better than bankruptcy in my opinion it affects you less time but at least with bankruptcy you could start saving up for retirement now in an emergency fund but good luck ever getting in another place or getting to any of the goals that might require a life or a job be in your 40s before you can consider getting a house.

1:33:04Is the house in our desired future? Okay. Well, I'll sit you down with one of our simpler money experts for free. We have certified financial planners there. We also have some CPAs and stuff like that because right here, I'm not seeing a way out other than you need to get a second job and you probably need to work more too. You know, you cut it down to two years if you both pick up an extra 20 hours a week. we'll sit you down with one of them use the budgeting app you gotta budget because this is worth following the most strict budget no funds spending in there which is impossible for that long especially with kids so bankruptcy allowing things to go to collections those are some options but a lot of the big debts are cars and we do not want to get repoed here especially you it'll f*** your grandma and we really don't want that those are the big burdens a lot of these loans you can start chipping at them and they really start making progress quicker but you're only saving yourself like 25 bucks a month 30 bucks a month it's like the big ones are the cars sorry actually um you're only under by 250 dollars a month i was a little wrong because i added up the settlement for some reason on the u.s bank so you're under 250 i would still rather you bring in a thousand but that would bring this situation down to like three years i think three and a half years three and a half instead of four and a half so that's still better but you are still underwater so no matter what you have to work more because the reason why you find like you're not making any progress on your debt and your debt's only going up is because you literally make less than you need to survive on a minimum monthly basis so i'm not surprised that you're bouncing endlessly so yeah and bankruptcy yeah i'd rather grind at it and you can um obviously raises happen and we work for them you kick ass at your job and you really try to push for that you leave your job to get a competitive another a job in the industry with hopefully a better income you know leverage that system go through all of our education.

1:34:51You guys get it for free. Take advantage of this process you're in. People actually make progress in your situation on the show. You guys can too. If you stopped acting like spoiled, entitled brats, spending a budget. Let's see. I bet you overspent. Let's see. Income that came in payroll. We had 3 ,157, 2 ,119 from you. So essentially 5 ,300 or so came in. Oh, 8 ,400 was spent. Spending in a budget, 0 out of 10. Come on, guys. What the f*** is that? Debt, you have kids. Debt, there's collections here, 0 out of 10. Emergency fund, nothing in savings. 0 out of 10 in retirement, there's nothing in retirement.

1:35:310 out of 10 in real estate, there's nothing. Okay, Hammer Financial Score, 0 out of 10. Guys, join us in the post show. We usually find out some more interesting things that we can't talk about in the main show due to either privacy or it's just too inappropriate and we'll get demonetized. It's always an extra party in there. And join the elite version for live streams, a call-in show where you can talk to me, and extra exclusive audits, a lot of different things. It's worth it. Trust me. And don't forget to download the Simpler Budget app today. It's worth it, I promise. See you guys in the post show.

1:36:02You haven't talked to the friend that you guys f***ing liked? It was only me. I don't think you guys should get married yet. And I want to see if she agrees. Hi, my name's Caleb Hammer. When you guys had a three-way, why did you only focus on your best friend's fiancé and not your best friend? To watch the Financial Audit post-show, click the Join button below.