Controlling Karen Resents Her Deadbeat Husband

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0:33Hi, my name is Athena and I'm 32 years old. Hi, my name is Carter and I'm 35 years old. We're based out of Oklahoma. And this is Financial Audit. So this has already been interesting because they don't know. We just started filming, but the tension's a little high here. It's been a little testy here. So we're married, right? Yes. Okay. So what's going on in general? I guess I may as well just ask that out of the gate so we can get the picture here. So I love my husband dearly. We've been together almost seven years. We met in May one year, started dating June, got married in November. We're two months pregnant on purpose.

1:15It was now or never for me. When you know, you just kind of know. And he was a very different person back then. But I don't know if life's gotten good and he's self-sabotaging. but we've had very big conversations on the fact that like if we don't start to rope this in as a couple and not me just saving us um financially you know figuratively then i'm kind of like got to make decisions on is this marriage and to me marriage is everything but i can't continue on this path are you talking about divorce i hate to say that word but um it yeah it's it's either looking at that or just a long separation so he can get right and that's some heavy not specific accusations but saying going down the wrong path or taking some bad things what what so i'm sober nine years i'm a strictly alcohol um i didn't even drink all the time i just when i did you never knew it went hard yeah and i'm military and all that so So, you know, I most people will say I don't need AA.

2:25I love AA. I love the community. I love sharing my story with other women. I love men who come in and change their lives around. I love to see women grow. Like I'm a big, very big in the AA community. As my blaming. Yeah. He was sober for about almost a year. And we met like two weeks. Well, we met when he was two weeks sober. I didn't want to start this relationship Throughout the The time frame of us falling in love Through church and through Guided people he asked me to marry him Three times and I was like you know what this is the Path I don't over with what So he's strictly a addict Yeah So mainly at the end it was At the end of What at the end of all my Addictions because I went through different phases With different stuff so it's finished yeah no well i mean i was messing around with psychedelics it's not that he messes around like um when our daughter was six months old i found him dead on the floor and the last thing the ambulance told me is i don't know if he will live or die but you can follow me how long ago was this about now four and a half years right at the start of COVID.

3:40But at the start of COVID, when I had my third baby, we were in the hospital, I was having a very hard delivery and needed him. And he said he was coming off of a big binge of weeks and couldn't, he was sick to his stomach, couldn't really be there for me. There's been multiple times where we've had these, I love you conversations, but we got to change. We got to be better for our family. We got to give our children, you know, the best lives. Like, I love you no matter what and it's not like I'm telling you what you can and cannot do um but it's to the point where like you need to make a decision if you just want to around with these these things or you want to be with family guys today is a very exciting day because we've put six months of blood sweat and tears into the best investing class you can find anywhere online we've compiled everything from the real experts out there and left out all the bull that other people try to feed you we will show you how to build a portfolio that is not only time-tested, but works for you and your specific situation.

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5:12It gets a little crazy. So you don't know my backstory. Um, but before we can, when's the last time you've done. Oh, so the last time I've done any opiate was that time. So four and a half years ago. That was the time I was like. So now it's mostly Kratom, Binges. It could be anything. It could be a Jamba Juice and he's addicted for that week and nothing is going to stop him. Nobody's going to get in his way. I have no idea what the Jamba Juice is. I've never heard of that. Oh, it's originally from California, but it's like a smoothie place. It doesn't matter. With him, it's. She's just saying I have an addictive personality.

5:45To anything. I thought that was a new. Oh, yeah. That's been invented. No, but. So addictive person. I have an addictive personality, which is why I honestly don't allow myself to do a lot of things that fall quickly into addictions. So for you right now, it tends to be, like you said, psychedelics and kratom. You don't think any that's going to accidentally lead you to spiral again with these past addictions? Have you had relapses of any kind in any j**s or anything? Well, yeah, when you're in sobriety, you're supposed to be sober. Yeah, anything counts. If you're going in with the mindset to get messed up.

6:22that is a relapse. How he went off on the four and a half years ago was because I brought a bottle of alcohol into the house for ear infections. My Indian client, she recommended it and it worked great and he didn't think he was an alcoholic but only a f*** addict. He ended up drinking that whole bottle and that's when he was blacked out. the other bad decisions. But like, we've had this heartfelt conversation two weeks ago. I don't think you love me anymore the same as you did and that's okay. Well, what do you do? Don't you smoke? something i do hop a what's that so hop a is unprocessed tobacco ash and different plants from the amazon jungle now two years ago about two years ago i had a massive stroke and then i had a mini one after that and they told me i was going to die there was nothing they could do we went to the emergency room we've done all these testings they gave up on me they said plan your burial plan your life insurance you're gonna do this whatever we both do this but not the same see it's a spiritual plant medicine i actually work for the kuntanawa tribe in the amazon jungle i've been there i've made hape with them um i spiritually distribute i'm one of their guardians in the world are you guys even connected you seem so apart well it's we got in a huge fight um two days ago two days ago i think even yesterday we had a very you decided to come on the show well before that yes have you ever googled yourself i did and man the amount of personal info floating around is just mind-boggling.

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9:05It's just everything. For him, I'm— I think it's a lot of stuff built up over time. He says it's the stress of the kids. So little things will make us blow up, Hannah. Yeah, but he's... I mean, she called you a c***** head in the pre-show interview, essentially. Yeah. What are you going to say when they say, like, your$3 drinks are not a necessity? And he's like, well, crack is cheaper, but I won't be a present father, and you won't have a paycheck coming in. When's the last time you smoked c*****? I've never smoked crack. No, it's... But I don't do those. Okay. I don't know the difference. I've never taken...

9:34She just calls it. Two? I did. He didn't become an adult until two weeks before he met me. when i was like 22 or something i'm 35 now so it's been a minute okay good good good good good good that that's what's uh that's what's important you made it sound like via the interviews and stuff that we had that literally he potentially has smoked recently no he didn't okay well that's how like it was taken his choice you can i don't know if you record the calls was he's been sober but he did die on me one time yeah then i almost died because of health reasons i fixed that by going to an eye treat going into my own body um and i don't believe in any of that stuff i'm very black and white i'm very in sobriety like no cbd no nothing like that's sure all and now i can't sit here and say that it can't help somebody because it healed me but i know that if i die tomorrow and there was five hundred thousand dollars because of my life insurance that i pay sure i don't trust him with the kids and doing the right making the right decision how many kids do we have we have three two together one previous previous who okay but three but three okay wonderful ages three four seven i mean eight sorry she's going up pretty young one going to that middle school life right pretty soon if not already um okay no pretty soon so she's only second grade at eight isn't first grade five i don't know they're stinky and smelly so i'm not kindergarten is five well this is obviously a financial but it is good to get the background stuff that we've uh already received on you so finances in general well first i'm gonna i'm gonna get a finance score for the household because we're still married is this way is like is like the base of this conversation like how close are we to divorce Could this like send it towards that edge?

11:34For him, it's never. And for me, it was always never until like I had this. Like I said, I don't think you love me like you used to love me. And that's okay. Maybe there's a woman for you out there. I love you too much. That I don't love her? Like you used to. I probably don't show it like I used to. Why do you think you don't? Maybe because we're just together all the time with the kids. And I feel like I never get time alone. I'm more introverted and she's more extroverted. But you also don't want time alone. You'd rather sit there and play video games. That's my time alone though. That's like where I get to do what I want for me that makes me happy and fun.

12:09And I don't go out and do things for my own. The only thing I go out and do is help other women stay sober. Go to meetings. Go to meetings. And every time I walk out the door, try and make money. Yeah. So we're both in a stage where we decided to have these kids together. We said it was going to be hard. We knew that we weren't going to have much help. And you signed on for that. And then we had this huge conversation. he cries two weeks ago and then says i know what i need to do i need to take something something and i need to go with him i need to take what is oh the kid two cb two cb it's a whatever psychedelic i don't know it's not new it's just uh no i like for you no but he needed to go inside himself and then the next morning he tells me oh it told me i just need to love you more and but also need to not quit my games because i'll resent you well no You set your intention and you go into it.

12:58And then during the trip, as your mind is wandering these different directions, you realize what it is you need to walk. And I can't say that it... Have you guys seen a therapist together? I have tried for years to go to counseling. Why have you not? He doesn't want somebody to tell him he's wrong. It's not that. You said that exactly. We have kids, so we don't get a babysitter to have fun. How are we going to get it to do other stuff? We can't even get babysitters right now for both of us to have jobs at the same time. it's very hard so i just don't see how it's gonna work in house maybe well i i also someone who could come to you oh i also suggested that we can go one-on-one but again too expensive we don't have money for that but we have money for world of warcraft we have money for stupid like i've tried all this for my wife i got one massage this year no we're gonna go into this because he can't seem to let it go i got one massage this year okay and every birthday every christmas every Mother's Day.

13:54I'm gifted gifts from other people because he never gives me anything, okay? He goes, oh, I didn't have any money or I couldn't. Or I couldn't write you something. I didn't have any money? You guys, are you not combined? We are combined. But he just spends. He just spends. She makes it sound like I spend way more. If you look, since we moved to Oklahoma, I've only spent stuff on food. Since Oklahoma. Maybe like I spent 25 bucks on the game one time. So we spent about$8 ,000 to move here. That buried us, the move. But why didn't we move? When was the move? Two and a half months ago. February. Oh, wow.

14:26And why was the move? Why was the move? Why are we not going to our original plan to go see my daughter in Florida and be with my daughter? Is this another one or is that? My daughter, the eight-year-old, she lives with her dad right now. Oh, okay, okay. She has dyslexia and they're trying to get her extra help that we can't afford. Yeah, her dad makes more money. And we were supposed to go straight to Florida. We agreed on this as a family, like, you know, us, like, how do you call it? The initial family. and then he went on a binge with and um saying he was gonna go within himself and he never uses it going inside ourselves that's very interesting he never uses anything like it's meant to be done i can't sit here and say it doesn't work for some people the people out there getting help with it i've seen it cure ptsds i've seen it do a lot of things it saved my freaking life i'm not going to sit here and judge you if you need to go do it but all i've seen is he went into a bitch for 20 something hours he fried his brain and his grandma was like you need to go to your dad in oklahoma and you need to he's got a job for you which he didn't have a job for him but he got him a job okay that's where we're at so now i'm screwed my hair license hasn't transferred okay and i don't have a job right now so i'm making money i have a little book i've made a thousand almost two thousand dollars this month with my kids in my hands so i don't want to hear you don't make money you don't try you don't have a job because even on the sidelines do you not have a job what do we do right now she does a bunch of i do healing i do floors and i don't like to say i'm a healer i'm not that i do healing uh with the hoppe um i go i've the tobacco i've helped a lot of women and men okay and you do floors yeah like flooring though like it's not epoxy it's a different polyurea i think but it's the flake in the garage yes how much do you make a month about what was it like 2600 he yeah he dropped his pay from 3 000 but after the taxes and stuff it's like he used to get paid 35 dollars an hour that's gonna happen california's cost 11 but he's also so good and as a wife you know you want to you want the best for your spouse and you can you you commit them and you push them to do better and he even started his own little company in california and then it kind of seemed like he why oklahoma because his dad's here and his dad is supposed to set him straight so the main reason was i came straight into a job which that's not the main reason the main reason was everybody was worried that you're gonna go out and use again but that's why Oklahoma was we needed to work if we went to Florida that you had no guarantee I would have my hair license right away because you don't need are you not afraid that the stress of this this back and forth this fighting it is gonna lead to any because you you just said the fear is that he would go back into using something but at this point like that's your choice at this point you have it you have an obligation to your wife and to your kids just like I have an obligation to you and even if you're not stressed out he needed a reason to do it so what's your excuse now well i'm not gonna do it this time because i've learned a lot from all my past times you know how many times i've heard that i don't know it just makes me a little nervous because i think the successful rate of people getting off of opiates is about one percent so i've seen it happen over and over i've seen successes i've been one of the successes through alcohol i get it's not the same as but it's not it's it's it's harder i get that and that's why i don't alcohol it doesn't work for opiates well there's na yeah and aa is part of na and actually a lot of people that go na don't have a success rate so they go to aa and they were able to quit because aa is stricter and aa has different guidelines and all i'm saying is i love you dearly and we don't usually bicker this much about it but it's all been coming out and i'm very happy in oklahoma i can make it work like i just i was crying about it but then i'm like you know what my life's here my husband's here i will find a way to provide bring my daughter here if she wants to come over here her dad said she's going to leave it to her as you know when she gets to a reasonable age like 11 if she wants to be with mom still trying to loop us back to finance what do you bring in normally averagely sounds like maybe we've had a good month but normally what's your average before that was 1500 with no job too okay so let's say 15 then but yeah are you setting anything aside for taxes not yet um well because i have no spare money because i gave the finance well that's not spare money regardless okay so that's money you owe i gave the finances back to him after my stroke after i filed for bankruptcy we tried uh bankruptcy yeah i filed for bankruptcy when did you file for bankruptcy 2000 the beginning of 2023 we um after i got a year ago a year and a half maybe it's maybe almost two years now um yeah we can explain why the majority of the debts in your name and not yours but well no i paid off most of his debt we put everything onto mine we we were gonna pay it off um we started a bigger hair salon i had a business i had a successful business for seven years like she wanted to move to her own suite out of the landlord mini ones and kind of this over he said he doesn't work with women have your husband costing us a ton of money the roof started leaking there was no hot water we were buying into this but luckily I fought for it.

19:24We got out of it. But initially my biggest regret, which still it's a learning lesson, it's not a regret, is I didn't hire a lawyer to look at the contract. So it said I was responsible for Roof and everything, even though it's his responsibility. Okay. How many hours a week do you work right now? I don't. Well, like on the side. Yeah. Well, yeah, that's your income. I usually make about$100 an hour. So 15. Hours a week, you? Me. I get paid for 40 but I usually work about 30 maybe now one thing that did concern me a little I don't I just have to call this out of just like a high horse thing we talk about what we do in each other's free times and you say well you play video games while I go and volunteer like if you're choosing a volunteer that's great but I don't I don't think I don't think it's fair to say okay because I'm doing this high and mighty thing it's bad that the other person's not free time um no so volunteering like for my sobriety going to meetings does not count as fun time it's it's for our sobriety it is essential well you have you guys made it sound like that's what you do when you have free time though well because well i said she watches and also there are like when we're talking about seeing therapists and stuff i mean since covid everything's has remote options just on a webcam our kids are very wild so it's very hard you don't watch them i think something tells me something tells me a marriage therapist will be okay with you having to get up every once a while be like yo what's the joke yeah i don't think he's gonna argue they are wild and free i'm very fine never meeting them as well yeah but no they're just we almost had to bring him because we got canceled on like seven times for babysitters like really so you got babysitters this time we got a babysitter you're also you said you wanted to be close for uh your parents can they not help at all his dad just had a baby yeah so he's in his own little world right now He made it sound like he would and then he doesn't so much His his biggest preventing us from getting to Florida if that's the main goal He relapsed he relapsed well you said you didn't realize no that was It's not a relapse He relapsed on a bunch of and psychedelics and fried his brain.

21:35I moved out. I said I'm not staying here I'm not watching this. I'll take my kids Okay, when's the last time you did that? when was that a couple weeks ago okay all right household score i want you to say it at the same time i'm gonna go three two one go at go you are gonna give me what you think the household financial score is zero being the worst possible score 10 being the best possible score so i'm gonna count down and i want you to give it to me at the same time three two one three i'd say a one maybe okay this is different than his first seven when we came here yeah that's because i watched the show and i saw you prepared yeah i was like no why do you think it's worse why do you think it's better i only think it's a three because i've been on my own since i was 17 and what you guys have been married for like but i've been on my own without my parents yeah she moved out of her parents house early and then at 17 you said yeah at 17 okay so when i raised a baby as a single mother um her dad separated um i've always paid my bills on time before the bankruptcy went How does this make you a three?

22:43Because I survived and I still, I find ways to go out and make it. So I know financially we're screwed. I get that. Yeah, but it's literally a score of where you're at, not how powerful you are or whatever. No, it's not that I'm powerful. I'm just saying, like, I've managed to not miss a payment. Like, I've always paid everything. Well, that's the bare minimum. That's why they're called minimum monthly payments. Well, when he adds debt and then I don't see it and then I have to pay. Okay. What, you go out and add debt that she doesn't know? I don't even add debt, though. So she keeps out. If you look, you see through our stuff.

23:14Go through it. We both don't spend. I've spent maybe like$200 frivolously since we moved to Oklahoma. If you watch your Hammer Financial Score, it's free. Description below. And if you want to come on and also not bring your children, make sure you apply at CalebHammer.com slash apply. Okay. Let's go into this. So we're going to go through yours first and hers and then some of the combined accounts. Okay. And just clarify if we've just gone it slightly wrong about who's on what account. Just feel free. We're on both. We both use everything. Yeah, we both use both. So they're on both your credits.

23:49Yeah. Mostly for mine is for, you know, hair stuff and business, which again, I usually pay off right away. But then when I started taking the finances back, when I started watching this show and I started looking in, he didn't even know when his payments were. And there was some deferred interest that he signed up for. Have you ever taken care of your finances ever? uh slightly i set up autopay why did you take care of it well why'd you take so you took over because of the stroke yeah yeah before that i was managing it when was the stroke one more time about two years ago okay when were you just back to i mean i just took him back like around six months ago when i found out he had this deferred interest for paypal deferred interest for best so what were you doing well some of that was her purchases i get it some of them were mine but when they just it's like six months some of them were a year later so you have to take responsibility like i told you and i tell you and then she said why did i pay more than the minimum like we have no money to pay more than the minimum why do you guys have no money why do you guys have no money every time we do have money he thinks it's like okay we can go out and eat um we can go get on my red bulls especially in california my yerba mate's every single day like i used to drink what do you call it starbies um a lot and i stopped because my family's more important okay Okay.

25:07Okay. City Diamond. City Diamond. Let's get into the money. City Diamond. $1 ,687. This is tough love, guys. Just so you know. I love him to death. I know I sound, but it's like a hard challenge. I don't know. We talked divorce. She makes me look so bad. It's so funny. It's not that great. Like, would you? I've never lied to you. I've never cheated on you. Well, to be very clear, being bad with finances doesn't necessarily make you a bad person. You're not. Unless you're putting yourself over someone else or other people. so it's not like considering each other bad people $1 ,687.82 minimum monthly payment $56.31 but again yes if we're putting over our children and stuff yes that would make you a bad person like we had assistants for food and he would spend a lot of it on energy drinks and to me that's like you have to make a sacrifice of not drinking that and providing for your family so I said I told her I said it's cheaper than oh great and at least he'll be present and have a paycheck but that's his humor and it's humorous to most people it's funny to me because that's not I'm not addicted to it anymore but if I said that years ago it wouldn't have been as funny but you are addicted to yerba mate's and you have to have it okay $43 of purchases only making the minimum monthly payment and $40 of interest accrued Amazon Prime Amazon Prime Apple bill and chick-fil-a why are we still going to chick-fil-a if we don't have money why do we where are we shopping on amazon if we don't have money why are we getting things on apple in-app purchases if we don't have money we don't go to chick-fil-a anymore oh yeah amazon really because that's the most recent statement that's literally within the most recent you chick-fil-a is where he went where do you think he went it's chick-fil-a that's you okay take a chill pill bring it down i love you but um amazon prime so i've never ordered anything but he says we pay something because of um there's two things on it's like an ad for you stupid two things i told you to delete that watch your ads i watch the show taquitos taquitos taquitos yeah i did i did put that one on there this is all you and then apple music it's that's probably what that is what the i will say though i've i've i will say open up your subscriptions it's on your phone i know It might be her extra space on her phone because she fills it up.

27:32That might be what that is. Discover it. Discover was all the move. I actually paid off that card. We had it paid off and then we moved it. It's max. Moving truck alone was$5 ,000. But it wasn't even just that because then you went$2 ,238 of purchases right now. Right now. We didn't have a place to live for the first four days. $7 ,000. Then you guys weren't ready to move. you had to move that urgently we had our our la apartment was infested with cockroaches they deemed it unlivable we came back from a healing convention there's no legal requirement for them to find you an alternative they did they they were supposed to but they were shady as well then you that's not how that works that's not the only thing i tried to i tried to contact the uh what do you call it the this is starting to sound like the the people upstairs contacted them so i was like i will with you and they got them out and they screwed them over and our water was off every other day and having they did that for this conversation immediately already sounds like the okay well here's the thing oh that doesn't work because of this oh here's the thing oh that doesn't work because of this so it's like the immediate nothing ever works so when you put i put in the paperwork right yeah with the people i told them it is infested with cockroaches they said they have no choice but to wait 30 more days all of our stuff got ruined if we would have stayed there 30 more days with cockroaches running around in daylight but you still spent hotel money and this stuff could you not spend hotel money at that area in that area for the 30 days i would have loved to stay i would have loved to stay if we were supposed to make but we made a decision for my daughter who's eight years old and needs her mother didn't make it to florida we didn't make it to florida because i'll say why because i didn't want to move there with no job nowhere to live and not even my dad at least with my dad we could stay there a little bit if florida we have we can only stay three days and then he was gone yeah so oh geez 142 dollar monthly payment on this again$2 ,238 purchases$113.89 of interest rate guys use fizz card if you're going to use a card this is not you are not credit card people it's not even close this is an absolute disaster oh this is just for real because we need somewhere to stay we're going to get Thai cuisine and then yes there you spent$117 staying somewhere but then Chick-fil-a and Coles and Whataburger and Amazon more Amazon remember the last one it was just one Amazon ad free thing well there's more Amazon mattress clinic did we go and get a new mattress yeah we had to because it was cockroachy every even our couch but we saved we could have got a cheaper mattress though it was on me um we i told him we could get the blow up one for like 400 um but we had already been sleeping on the floor for four months at his grandma's so so sacrifice for another four well you you just did it i did say that but he said listen okay well you said it was on you and now you're saying it's on him no i wanted i wanted a nicer bed because i think i enable him like i just want him to live the best life well best life including sushi and hibachi and buffy ink 251 dollars comforter comforter oh yeah his grandma paid for that she paid us back great because he had to have his blankie me wasn't that you what are you guys i'm pretty sure you said i want my blankie that's in california and then one of two within your statement salon visits that over are a hundred dollars even though you're know how to do things but we go yeah 124 dollars honey that's like i own a business that's selling them that's where you buy all those dyes i have never paid for my nails hair anything i do everything myself well good that's what i was about to be on you about excuse me i lied i got my nails done one time because she did them for free for two and a half years i paid her one time when i went to la that's pretty cool and she only gave me she made me pay forty dollars and i was happy to pay it two years of free nails okay what do we have this car a 2020 kia telluride telluride yes i don't know the tell telluride look up a picture it's a very good car um our car got totaled he got smashed into and pushed into a semi and i'm glad you're okay it totaled our car we waited a long time to find a new car but eventually it came to the day where grandma said you got to find your guys's car and i went to a dealership and wait why does grandma because she lent us we had it for a few weeks and she wanted it expensive car um actually we got a really great deal on it yes the interest is i've heard a lot of people say that and we're at 72 months i lowered it like four thousand dollars from what they wanted and they were the only person actually in la oh you lowered it by four thousand girl they're not gonna take a loss on it i know buddy that was baked in no they he the guy who was trying to sell it to me was like my boss would never go crazy so i walked right up to your boss which is what every car salesman says in the history of the world no he was very angry i walked right up to the back office and i said hey dude and he's like you know i like you buddy i've worked in sales i've played that game a thousand i'm sure i'm sure there's a game to it like oh my goodness my boss would never allow this please don't talk to my boss please don't talk to my boss over there who will definitely not do this angry was that guy i don't really remember i don't know which one there's like five oh my gosh i'm so angry that my boss has helped me close this sale gosh i can't believe you just got this deal oh man that's how he was and i mean we're we're guessing the interest rates like 16 what is it no 12 i think that were less than that was it it was i had to be under his credit because i filed for bankruptcy okay we know for sure yes i'm pretty certain it's 12 it's not on his paper We did have a smaller car before it got totaled, but our car seats wouldn't actually close on the door because we had three car seats.

33:07So it was actually. Well, yeah, not even an option. Well, back then we had less debt too. So back then. Back when? What year? 2020, after I filed for the bank. Right before, no, after I filed for the bankruptcy. Yeah. So you just declared bankruptcy and you thought you were good with finances? well again i was it was all for business but before that i had 32 credit cards i paid them all in time never had interest on any of them so you went through bankruptcy i yes so and i'm not ashamed of it because it's not about a shame thing but it's like saying we were good we were how good was i with the finances before we went through bankruptcy before we got before we went through bankruptcy well the thing that bankrupted her was the sludge yeah so it sounds like we weren't a good business owner no it was the the building they literally put heads in they so it's always someone else's no they from everything i've heard it's always they collapsed the roof with water water came out on us where was your insurance i had insurance so again everything's always someone else's fault we called our insurance and they said you are not covered for this building and i said but i have it under this then you didn't do your insurance correctly you didn't do due diligence they refunded me though they refunded me said so sorry we don't know what happened there was a glitch you did it online when we called you something happened but we are not responsible because i have like a business attorney look over it what can you do have a business attorney look over you have to pay money when you did but before you signed your insurance to make sure you're good i just went through the actual insurance i just signed up that day remember the day i got this law i signed up for it and they told me okay we're gonna refund you all the stuff that just happened and then they called us and said sorry you're not covered well they're always trying to get out of it it says they do insurance is always a battle it's a fight it says 12 percent on the car 12 percent okay yeah so this is our good deal car 12 739 minimum monthly payment at 72 months with a balance of 33 440 dollars good deal okay do we have a vin do we have anything have you given us the vin can you get us the vin we have the vin i sent it to them would you like me to just look it up again uh yep nope they're calculating right now we're gonna get what you think how is the condition of the car how are we looking pretty good besides um he he used to park on top of my motorcycle handle so there's a few scratches in the front but that's all the kids of the inside how are we doing making these payments because this is a large chunky payment it is um so we are doing good making that we actually try to make an extra payment and then when we called them and said how do you make the extra payment on just the principal they said just pay it we did and then they took interest out of it.

35:48They just kept if you have to send them an actual physical check otherwise they just keep putting it through there and taking their interest out. Interesting. So the yeah if you don't send it in then they're getting their money. Now I hate saying this is my fault but when I got sick I upped my life insurance because. You hate saying something is your fault? No I just hate saying that like it's my fault that I got sick. Oh okay. Because you can't control that right? Okay sure. You can't control having a stroke whatever. um but i upped my life insurance because were you doing anything that was like physically unhealthy like smoking anything like that i don't drink i don't smoke at all you did for a while though right well yeah she's very rarely though i never never i do tend to agree with you i just i always play devil's advocate i mean there are lifestyle things that we can do that make it less they actually couldn't figure out why um they even said it was really rare again i'm not saying that in your situation but just because you said we can never control getting sick it's like okay i mean I mean, I can control me having less chance of having heart disease, but I'm a fat f***er who's like, can't stop shoving McFries down his throat.

36:51So like, yes, I do have more control on that. No, no, of course. I'm talking about like a seizure or like, you know, things like that. I'm just a natural f***y devil's advocate. It's okay. If you're a business owner, I have something for you that could instantly slash your operation costs. I'm talking about NetSuite by Oracle. Let me break it down. NetSuite is the number one cloud financial system bringing accounting, financial management, inventory, HR all into one platform and one source of truth. Think of it like the Swiss army knife for your business. With NetSuite, you reduce IT costs big time.

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38:02They did the math and profits are real. So by popular demand, NetSuite has extended their flexible program for a few more weeks. Head over to netsuite.com slash hammer to get details. That's netsuite.com slash hammer. Start cutting costs and boosting business performance today. Trust me, your future self will thank you. I upped my life insurance, and so I'm still trying to understand it. I pay a lot a month. But also my daughter, when she went with her dad, I needed life insurance on them because she's on planes. A lot of planes going back and forth. She was. And so I just wanted. So the safest travel method?

38:44He's just lazy. He would rather. So now it's about him, not planes. I actually were going to go pick her up. And he was like, no, that's not a good idea. You should just have me fly her out. Like, why would you drive? He's saying planes are the safest travel method. So why did she leave off the street? Oh, why are they the safest? Oh, I don't know. Statistically, they are. Oh, well, that's great. But as a mother, and you want to, if anything ever happened to your children, be able to bury them without donations. No, of course. But you did that because she's on planes? Well, I upped her insurance.

39:16She worries about planes a lot. No, not really. But I upped her insurance when she started going on planes. Okay. I upped it from$50 ,000 to, I think,$100 ,000. Now, where did we get the money to pay off this PayPal credit? Because it was a chunky thing, and then it just got paid off. We got a tax return and when I saw the deferred interest, he said, let's just let it slide. And I said, absolutely not. We'll just, we'll make. Tax return probably with decent child tax credits. And they're actually missed. They missed it. I just got a letter. They're going to send me like$3 ,000. Yeah, they messed up.

39:44We didn't get a lot back this year. Did you fully claim all your taxes though? Because I know you're not setting anything aside for taxes right now. Yes, I don't. I didn't. Yeah, I claimed. I claimed all mine. Yeah, I claim everything. My Venmo, everything. You're going to be claiming this year? Because. I do. I don't cheat the system. I just don't like to. She has a good tax lady. I hope not. I have a really good tax lady though. And I do put a lot of my own. Like as a business owner. Also you're underwater in your car by$8 ,000. It's worth$25 ,000. Yeah. Okay. That's what I looked at all the way here.

40:14We love our car and we're willing to work harder to pay it off faster. And yeah. Nothing like an engine surrounded by some pieces of metal to fall in love with. That is the American way, ladies and gentlemen. It's comfortable to drive though. we're absolutely grateful we have a car good uh i would take uh that that that makes sense why'd you decide to throw the the the tax credits and everything the refund you got the deferred interest was like 300 something dollars if we didn't pay it okay so i said it's like yeah i said let's make a sacrifice then here comes his best buy bill and he said more deferred interest and so i just paid 300 something on that so our checking count for like the last week has been 22 and 33 cents and i'm willing to make sacrifices it's no problem for me but here we are i needed a red bull today i love you so is it is it's paid and she said buy the three for a no i just said i know you're gonna buy one on the way home so please just oh my gosh okay is there a balance on this card right now on which one which paypal credit um i don't think i think the deferred interest was 2 000 you gotta tell i think we paid it all off and then i may have used it a couple times for like that was the that can i see it can you pull it up yeah it might have been like food or something so he thinks brahms is nine dollars for a bag of burgers and it is true like it's cheaper i've gotten hot dogs all the time not not until we moved but i don't eat meat actually so i'm not eating any of that just so you know i just i'm a vegan oh okay and i love That's the most vegan thing you've ever said.

41:52Like every vegan has to somehow announce in the conversation that they're like, that had nothing to do with this conversation. No, but you said you guys keep going to Brahms and you like Brahms. I don't like Brahms. Is Brahms only meat? Yeah. Only? Hebrugers and chicken. That's all it is. That's all it is. Unless you want ice cream. I don't do dairy either. So. Stairs. Maybe it's the one time a vegan calling themselves out being a vegan made sense then. Well, she eats Chick-fil-A too. Well, I used to. Not anymore. they actually change their meat company. Sometimes, listen, if I'm starving and I could eat rice and beans, I've done it in the Amazon jungle for two weeks.

42:29I've done it in Peru. My mom lived in a third world country. I've been to that country. I've lived out there. I could eat beans and rice every day. I can make my family beans and rice every day. He thinks that I am punishing our family by making rice and beans. It will not feed him. When did you go to the jungle? Last year. I'm a guardian. How did you afford to go to the jungle? Obviously credit cards. okay so you couldn't afford to go to the jungle well no i paid most of 78 dollars i've we still have a lot of credit card debt so no we couldn't afford it that's what's gonna see what the purchase were on yeah i could tell you it was world of warcraft it auto-renewed without me knowing i swear to god and you see my hobbies are free i don't pay attention to it and then i noticed it like a couple weeks after it auto-renewed i don't mind play without spending is this the online service is that yeah you just it's a monthly service fee that you have to pay and it's cheaper if you pay i paid six months in advance because it's you 12 instead of 15 i don't mind hobbies when we have money i i get it um and i don't mind alone time but a he has alone time ends up being 3 30 in the morning he has to go to work or this last night he played till what time oh only 3 30 and we had to leave i couldn't sleep though what was the impact on you in that situation well the fact that I have to deal with the kids and I have 3.30 I get up and I do the stuff that I'm supposed to do I go to bed with them and I put them to bed last night I put them to bed too what are you talking about all I'm saying is who gives a f*** I give a f*** because then he doesn't want to go to work if he still does what he needs to do But he does it when he starts.

44:12He starts. He just said he did, though. He starts. And then the next day. Okay. He literally just said he did. So I don't know what I'm doing. You'll start something, right? And then it'll be like, oh, it's just today and today. Right? And then it slowly goes. And then it's all of a sudden, I'm tired. I don't want to do this. I don't want to do that. Like, you guys are stressing me out. Well, you played video games all night. You weren't responsible. Now I have to take care of it. I only do that once or twice a week. I don't do that every day. Okay. What do you? Why? What are you doing? I have a gift.

44:39What are you? X-Men? What is this? So, I am not of this earth. I am in human form. Oh, my gosh. Okay. Moving on. Listen. Listen. One second. Okay? I know you hate the whole healing things. I'm not pretending to be a shaman. I'm not pretending to be anything. I am helping the Amazon jungle be restored. I am a guardian for them. I believe in indigenous helping. I believe in the people. I use their medicine, and I have healed and helped over 60 people so far in the eight months that i have done this i didn't ask for this it is just part of me oh she was against it when i first oh you can ask some stories i see dead people now i don't choose to see it be a mental health specialist or something if you see dead people why if it's helping somebody and i pass on a message to somebody why is that wrong because you can't understand it but one day when if you're seeing objects that's uh that's a sign of like you don't see them they pass you a message you give it to the person and they heal.

45:37I charge$111 for what I do. It's not fake. Trust me. I don't I didn't say you couldn't make any money off of spreading that. Everyone can make money off of anything. You want to tell? I've seen her heal people with it. You think I chose that? You think I chose to? She knows that you couldn't really know. And the person's like, how the hell did you know that? That's what I've seen. And how have I helped them? Fine, tell me something. about myself oh it doesn't really work it doesn't oh it has to be the convenience stuff yes only when it works it's only when it comes to her randomly she can't and it's not randomly it's usually when i do hop a my higher self will talk to your higher self i can i can serve you right now buddy and you're gonna regret it okay do you want to get served wait wait what do you mean what is it how does it work i blow it through your nose no i don't want that i don't want grabs all your energy i don't want that you to mother earth and she's gonna come out caleb that you've been holding in your body.

46:34Listen, I pooped twice today. We do not need to go more than that. It can't make you poop too. I don't need to go to the jungle. I don't need to do this. I'm going to live in the world. I'm going to exist here. And you know why you're doing that though? Noah told me he's willing to let you blow it through his nose in the post show. So make sure you guys stick around for the post show and I'll abuse my position of power. I love you from a distance but one day if you do need me please call upon me. I will see someone who studies human psychology in the world of science and i will uh leave the jungle but you can it's not bingo bongo bongo stick there if you want i'm just saying i help people through seizures and everything so okay i brought you a crystal and i forgot it but i know how much you hate crystals i don't know what the i'd do with a crystal i don't know anything about crystals either it just had a pretty sun on it somewhere and it would look nice my mom taught me never to go anywhere without a gift so well that's nice i appreciate you that's a that's a nice heart i have a very nice heart i may sound really right now but i'm the most loving person in the world like i love people i love helping people i came on this earth i joined the military on a dare at 18 because somebody dared me i couldn't do it and i ended up saving a lot of people and helping a lot of people so okay okay sure price line that's something that's basically paid off so it's nothing but you have a price line visa rewards card but that's again yeah that's what she flew i think to amazon amazon amazon not the jungle like literal three amazon purchases i'm confused so there's lots of anything on amazon oh well someone is because we've had multiple purchases now we're at six amazon purchases across the board i think you're looking at every month when they just charge us no what are you talking about this is all in one It says the date on them.