EBT Final Boss | Financial Audit

25:06No, okay. So one, did kick him out. Two, I was seven months pregnant. Six months? Seven months pregnant, whatever. He's done it three times that I know about. Seven months pregnant. And he almost caused a miscarriage over the fight. Because I was so pissed because he started lying to me that I got so pissed, so stressed. I was already super high risk pregnancy. that he almost caused a miscarriage and then did it again six months after the baby was born. Drowning in student loans with massive interest rates? I see it on the show all the time. People get a loan to advance their careers only to be left with sky-high interest rates and crazy minimums that leave their paycheck gutted.

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26:45That is Y-R-E-F-Y dot com slash hammer. Or call 888-Y-REFI-78. That is 888-Y-REFI-78. Break free from the high interest trap and get your finances under control once and for all. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end?

27:19Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far, But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise. Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, dollarwise.com. Link in the description below. Yes, we can agree it might be an addiction that doesn't excuse us. I can say, hey, my addiction is going off and like having you watch me f*** other people.

27:53You come tell me, hey, it's not. That's a whole different thing though. It could be. I'm saying what if I come to you and I'm like, hey, that's my thing. And you're like, hey, I don't want to watch you f*** other people. Then I'd be like, okay, then just wouldn't do it, right? You know, it's a boundary. Here's the problem though. Here's the problem that you always end up. Doesn't matter if they're real people or not. It does very much matter if they're real people. Guess what? At a click of a button, that s***, pfft, gone in the air. It's gone. But your mom had to put a child protection thing on your phone, your own mother.

28:21Yes. Oh, we gon' get into that because that's some bulls***. Okay, so we get in the argument, right? I'm sorry. I keep moving. And that's the thing I shouldn't be doing. But I'm doing it anyway because I'm a little bit upset. Because every time we have an argument, you got to bring my mom's into it. She don't need to know the shit we get into. But you're talking about like, oh, she saved the relationship. Oh, my God. Oh, yeah. She begged me to stay with you. You know those like on TikTok, they have like mama's boys that like are way too mama's boy, mama boys? No. That's his relationship with both his mom and his grandmother.

28:53That's why you're so into the milkers. Yeah. Mom. Whoa. No. No, no, no, no. Listen, listen, listen. I ain't going to let you get that off. Mom and his mom. Like his grandma. No, I ain't going to let you get that off because here's the thing, right? My mother and grandmother supported me singly, right? My mom was a single mother. My mother and grandmother. We already knew that. We already knew that, right? Right. But like type shit. Yeah, that's real. That's real. That's real. Because here's the thing. Here's the thing. He's from a gated community. Bro, I only have my mom, though. Exactly. I only have mom.

29:19Your mama went to college. She got a degree. Your mom is very well off him. She did the work, right? Yeah, yeah, yeah. And so I respect that. And if she wants to help me out in my times of need. For the record, doesn't want to. If she, at the certain point in time, it got a little excessive. But yeah, at the certain point in time, wanted to help me out in my time of need. It is not my fault. It's not my job to deny that, right? His mom threatened to sue him for all the money back. Because he borrows so much money from her. No, she loves me. She ain't going to do that. But, like, his thing. Look, I don't even ask my grandmas for money.

29:58She just see my own. Oh, yeah, fun fact. He shares a bank account with his grandma. I had this since college. I just never got rid of it. I don't, that's not my problem. So anytime. If you're 31, when are you going to grow up and actually take care of the household without mommy and grandma? A little low in his bank account, his grandma puts money. Which is all the time. I don't know how you guys pay the bills. What's your rent? That's how we pay the bills. What's the rent of the house? $1 ,400. Okay, so that's more than half our income immediately. Now, I will say... I paid this shit early. I'm trying to make it work.

30:27I'm trying to make it work. Me being me, I had a bunch of money saved up before I went on leave. You being you, what do you mean? I'm way more responsible financially, except for right now. You worked at Walmart for seven years. I don't know. You only made it to 20 bucks an hour. I did. Well, yeah. For DFWs, it's not a great income. I mean, it's not, but I mean... I mean, I budgeted my money well enough that I was able to survive on my own. I was good. Yeah, on your own. But now you guys have a kid regardless. With a savings account and everything, which he took all of my savings a month into the relationship.

30:54What did you take your hands for? He took like six grand from me. You stole six grand? Basically, like a month into the relationship. He cleared out my savings account. Cleared out? Cleared out my savings account. Let me explain. Titus, what happened? Look. Let the big T-Y-T explain. I can't be defending you too much, bro. A month in. We only dated for a month. I'm trying to help you out here. I didn't ask for all of it. Okay, so here's the thing. A month into our relationship, I got into a little accident. It was a medium accident. It was a medium accident. No, yeah, that was a medium accident, right?

31:31He had to figure out what to happen. I limped the car home and shit, and then later on, I went to try to get it fixed. I put it in the shop. None of the things that I had That was insurance wise That was liability and not collision I didn't get the collision until after the wreck Because I tried to get the You know what I'm saying I tried to get that And then So I needed some money To get the shit out To get the shit out The shop So I pulled out money You probably got some of that on the paper I pulled out some money I only asked for a thousand So I can get the rest of that out But then more payments came in You were telling the longest version of the story ever I'm telling the correct version baby Titus, listen, with all this together I mean, I know I just have to call it as I see it In the middle of the argument In the middle of an argument about this AI bullshit You accidentally hit her in the face She got a black eye Well, I'm finishing, she got a black eye She cried for 20 minutes Nancy sat next to you and you masturbated to anime on an AI site.

32:40Next to her. Okay, okay. So, like, that's the reality of what's happening in this house. No, no, no, no, no. Accidentally. No, no, no, no, no. Let me explain what happened. That was your whole side of the story. I was seven months pregnant. I could not get up by myself, right? I was huge. And so I pulled up on him. The hitting me was kind of an accident. It was an accident. Not kind of. I pulled up on him and he elbowed me back so hard. He has broken bones on me, stuff like that accidentally. Look, okay. We roughhoused really bad, y 'all. He did CPR on me and broke my ribs. It was fake CPR because it was on the bed, and I thought the bed would absorb the downward pressure if I let up the upward pressure, but that's not how CPR works.

33:17What the fuck are you doing? Batista bombing her on the bed? I did spinebuster her once onto the bed. And fucked my back up for once. You gave her a black eye. She cried for 20 minutes, and you masturbated the AI next to her. While I was crying, because he said I cried too quietly that he didn't know I was still crying. And in the whole process, he didn't check on me once. Baby, baby, baby, baby, baby, I need you to shift. But my point was, I have never cried. You already win this part of your argument. I'm just trying to get my shit off. My point is, I have never cried. I don't cry in pain. I handle pain very well.

33:48So if you see someone seven months pregnant that you've known forever, that's legit crying. Oh, she was seven months pregnant. Seven months pregnant, legit crying, full tears in pain, who never cries when they're hurting. Your thought process is, oh, I'm going to jack off. That's what I'm going to do. Okay, so no, no, no, no, no, no. It's what happened. So, so. It wasn't even two minutes later. It was a situation entirely, right? It was f***ed up. I ain't never hit a white woman before. Yes, it was. It was. This was you. It was, but his thing, his thing, right? I think abuse is abuse. Well, I ain't never hit nobody before, okay?

34:25You said a white woman. I've hit nobody. I just specified the category of nobody that I've hit, which is white women. I've never hit them, right? You know, when I talk about people that don't classify them as a race, Tyler, when I say I haven't done this to someone, I don't say to a black person. Or to an Asian person. It doesn't make it less true. That's the thing, right? Just because I specified don't make the rest of it not true. Check it out. So she turns over, right? Like, I'm like, did I actually hurt you? Are you okay? Right, I did all that. I did all that. We agreed I did all that, right?

34:57But Titus, this is the concern. When she was telling the story to Colton in the pre-production, you muted her phone so she couldn't finish the story. Huh? He did mute it. Wild and crazy. Did I do that? He did mute it because he didn't want me to finish telling the story about him actually going. I was trying to figure out where she was going with it. Because his... Why should that matter? Should she not be able to tell the truth? Let me finish getting my shit off. All right. So, let's... His excuse is he had no choice and had to do it. Whoa. Hey. That's what you said to Colton. That's what you said to me?

35:28That's what he said to Colton. I could give her a black eye. You had no choice. It was a huge black eye, too. Seven months pregnant, giant black eye. Time out. Time out. Time out. I understand what this looks like, gentlemen. It's all men. You're going to tell me that y 'all never got boners and haven't been able to, you know, not jack off to your crying girlfriend next to you? I've made it work. Yeah. Exactly. And that is all I was trying to do. While she's crying next to you? Or can you hold off and wait a minute? I've been able to bring it down. Look. You didn't, you know, you had control. And eventually I'm going to be able to say my piece.

36:01Some ghost can fucking possess your body. In this whole scenario, I'm obviously going to be able to say my piece. Titus, Titus, listen. Look. Titus, listen. What? I, you guys can come here. I just, I want you to know you can trust me and feel confident. Oh, God. I wanted to show you my collection. Sir, collection? I wanted to show you my collection. You know that you can be honest with me. What do you mean collection? You can be honest with me. You collect them. You guys have to go a little further this way. Yeah. You can be honest with me and trust me. You don't have to mute her. Mute her phone call.

36:33This is a safe place, gentlemen, isn't it? I feel very safe, very calm. 1 ,000%. It's always safe. She's getting cold. All right. Type shit. What scene to get out is this? Because this is some bullshit. Thank you. Thank you, lads. Thank you, friends. I appreciate y 'all boys, man. I appreciate y 'all boys. I didn't watch that movie, so I need to know, like... I just want to know, you're safe. You can be honest here. Okay. I'm being 100 % honest, right? Wild and crazy. I'm going to be 100 % honest, right? It was a f***ed up situation. I did check on her. I said, hold on. But, like, time was f***ed up.

37:12I don't know what the difference of time was between me checking on her and what happened was. So, like, she had turned over, right? And in my mind. In the fetal position, crying. I did not know she was crying. He said I cried too loud for him. Or do quiet. I cry too quietly. Because she doesn't cry right. Like, what? What is that? What does that mean? What do you mean she don't cry right? What does that even mean? So you'll give her a reason to cry. That's why she got the black eye? His mom, apparently, because he is a mama's boy, his mom cries loudly. So the fact that I didn't cry loud enough for him meant I wasn't crying.

37:50That is what he said. Even if you didn't know she was crying, why would you not check on her frequently after are a black eye. And for the record, he never checked on me except for the first thing. He said, oh shit, did I actually hit you? And I didn't respond because I was holding my face full tears, like falling, holding my face. So here's where I met. That was the extended checking on me. Here's where I met. She turned over. She turned over. She's silent crying. It wasn't silent crying. So someone, it was silent crying. It wasn't loud enough for him. It wasn't silent though. I figure she right now is afraid of me because I am what?

38:21I'm gonna jack off. So I don't think she wants me to touch her right now. because this is not the time to be like, oh, baby, oh, baby, are you okay? I'm sorry I accidentally hit the what's on you. I did not mean to do that shit. He said, what's all? Like, Chinese. Because the part of the story that y 'all are going to be forgetting because what happened was she had, all right, I want you to take your arm right here. Grab, just grab a grip of the meat. I didn't even have nails at the time. She didn't have nails, but your nails, your shit's sharp like mine. is short and sharp and deadly. All right.

38:57She grabbed the grip of the army and I didn't expect her to get up because I wouldn't, not like get up from the hip. Chill. No, I didn't expect her to try to get up, right? Even though I sat up. I sat up. You said it very clever. And for the record, this isn't a new thing. I hadn't been able to sit up on my own for a while. So this is, it was a continuous thing. You didn't warn me. He held me sit up. I was so pregnant. I couldn't get up. Brother, I'm not asking you to agree with me, but I'm asking you to understand. All right. All right. If something hit you, Yeah, you're going to agree with me.

39:22If someone grab you here, right, your first thing is, ah, get off. Because you don't know what's going on back here. She's just pulling you up, right? Yeah. Yeah. So she just whiff out. Even if she said it, she didn't say it loud enough for me to hear type shit. So, OK. So, OK. Now you understand it, right? No, I don't understand. Thank you. Now, what are we talking about, bro? Thank you. Bro, your reaction isn't going to be, ah! You know what I'm saying, bro? Especially if it's your girl. You just had roaches in that department at that point in time. I didn't know. At that point? I couldn't do it at that point.

39:54No, no, no. That was after I was in the hospital. I was in the hospital for a month, and he trashed it. Pause. Even if you didn't hear her crying, you know the AI issue. Why did you jack off the AI next to her? And not even in the bathroom. We had a two-story. And you know that's her issue. We had two stories. I was in between a rock and a hard place. Chill out. No. I was in between a rock and a hard place, right? Because I knew she did not want me to touch her because she is dealing with the thing that happened at that time. But why did it have to be AI next to her? Her one thing. No, fuck all that.

40:28Why are you playing whack-a-mole next to her while she's rolled over on the other side? Crying with a black eye. Why are you beating your meat? Kyle, you're like, oh, she don't want me to touch her. I'm going to go. And even if he wanted to jerk off, even if it was a moment he felt like jacking off, there is a bathroom. There is a whole downstairs, a living room, because we lived in a townhouse. So there was a top and a bottom floor. Why lie next to me? Now granted, I don't look great right now. It would have been better. Would it have been better if I had did that and disappeared? Because I knew it was between a rock and a hard play.

41:00She didn't want me to touch her because she was dealing with all that. And probably didn't want me to leave the room because then I looked like a f***ing asshole. I didn't want you in the room. And then f***ing just left her because I would have a whole separate conversation to begin with. and then in all this confusion and psychological attributions. Why haven't you stopped with this AI? So this is her request. And we're spending money on it when your rent is 60 % of your income. That cannot be where money's going. As simple as that. And she has left this boundary. Have you almost left? I know you kicked him out.

41:30Have you almost left? I did leave at one point. There you go. So multiple times. And listen, I understand maybe you didn't hear her crying. Your ears are tiny. God put it all in the nose. Okay? So like I understand. Maybe that happens. I can't defend you, big dog. I can't defend you. You gotta listen. It's because we're both twins. Like I said, I've been saying this since I walked in and saw you. His nose does not look like that. His nose is different. He's got a perfect normal nose. Appreciate that. Appreciate that. Yours is bell pepper style. Listen, listen. I'm gonna tell you this, my nigga.

41:59I'm a translator. I'm here to translate. You listen to whatever he got to say. I can't help you. You translated it to niggadom for me. Oh, yeah. I got you. You want me to? I got you. I got you. He said, he said, punk ass nigga. why the f*** is you still paying for a goddamn AI f***ing girlfriend when you ain't got the money to pay for the shit? Half your income is going towards rent, nigga. So why the f*** are you paying for the AI shit when your girl told you to stop, nigga? Type shit. Wild and crazy. That's what he's saying. Okay, so here is the deal, brother. Here's the deal, right? The amount that is going into that, number one, here's how I'm justifying this.

42:36Don't look at me. I'm looking at you because you were in the conversation. Been there, done that. Here's how I'm justifying it. Okay. Number one, right? You get mad at me playing video games with anime girls in it that I ain't even trying to goon to type shit. Uh-uh, uh-uh. That is stupid. That's stupid. No, no, no, no. Let's do a little correction here. Let him finish. Let him finish. You can respond. Yeah, let him finish. I'm going to finally be able to get my shit off for once in an argument because you never let me talk. I'm going to get my shit off. Because you're wrong. See the type of shit I'm talking about?

43:14See the type of shit I'm talking about? Keep going. Go ahead. Go ahead. Look, you get mad at some bullshit, right? So if I'm not able to breathe here, why should I? This is a road you don't want to go down because now you're going to be embarrassed, but go. Let him go. I'm going to let him go. Keep going. Go down that road. Go down that road. Keep going. Don't respond. All right. Right. Right. So, like, at what point I don't get nothing that's mine? Like, for real. Like, so, like, here's the deal. Here's the deal, right? We made a deal many years ago. We made a deal that if you didn't see it, it didn't happen type shit.

43:51That was the crux of the deal. Nope. It was at least try not having that all over your phone because we're about to have a child. Right. And if our child gets your phone, he doesn't need to see all over his phone. We were talking about... We weren't talking about AI. We weren't talking about any of that. I said his whole YouTube feed ended up being AI, like, all over it. It's just anime. It's just anime. It's not on YouTube. You know what I mean. Like, half-naked anime. It's all over it. I said, I don't want our son to see that. When he's in your phone, I feel like that shouldn't be all he's exposed to.

44:23Let's pretend you innocent right now because don't you give money to your ex consistently over time? And how can we do that if literally rented 60 % of our income. I don't pay rent. What? No. I don't pay the rent. Well, how are you giving her money? It's just me. What money? You don't make money. What money? Because I saved money. I told you. But you said he took all the money. No, no, no, no, no. He took that at the very beginning. We've been together for like three and a half years. What's in your savings left that's being drained, sending to your ex? I think there's like a little over our grand.

44:53Why are you giving your ex? You met him in high school. Your ex must be so long ago. So I met him in high school, and then we weren't dating, though. We were just really good friends. Why are you giving money to your ex? Because he's, you know, he gets really poor sometimes. Bored or poor? Poor, because most of his money goes to, like, weed and stuff. You guys are poor, and why would you enable that? First of all, why is him being poor your fault? Because we're still friends. How does that make you feel? That wouldn't make me feel great. I knew this from the jib jump, right? I knew that from the very beginning.

45:24For the record, I told him I was still friends with my ex, and he had the option to say it was a problem or not, and he said it was okay. I don't want y 'all to think I'm not super respectful. I asked. He said it was okay to stay friends. Being friends with your ex is different than giving money to your ex. That's a whole different thing. That's two different things. And also, if his perspective changed and he was no longer okay with that. He also didn't fully know about me giving money before we put on here. I got to be careful about the hand motions I make because of the... Because you're abusive.

45:52Don't say that. Don't say that. Don't say that. It's already a bad rap on us, bro. Don't be saying that. Yeah, yeah. Just calm down. You know, we good. We had Obama, everything was going great. Man, you're bringing us down. All right, so look. Look, okay. She really feels bad for this brother because And he is a brother? He black? No. He is black. He's just black. Not brother. Well, that's what I meant. He is black. I'm just very hard on my R's with the brother. Understood. Only brother. And I am hard on my R's with the crackers. So, you know, I only like Ritz, Reese's, and other shit. Yeah, you know what I'm saying.

46:34So it's all good. It's all good. We understand each other in that land. Yeah, yeah, yeah. All right. So she must feel bad for this man because he was poor during the relationship where they were living together for the seven years they were together, right? And then for some reason after she left because of the exact reason why he's poor now, because he spent all the money on weed and reefers, right, all that, But for some reason, she'll contact her and be like, hey, man, I can't fucking eat. I haven't eaten in two to three days type shit. Can I come by here? By the way, can you give me the gas money to come by up there so I can pick up some of the frozen dinners y 'all got?

47:11Because I know y 'all got some. Okay, that was like super bad. It was literally when y 'all called to do the long one, my ex showed up and I didn't tell him. And he showed up to like clear out our freezer because he didn't have any money or didn't have any food. You just need to say this. Look him in the eye. You're with him. I finna cut you off. We no longer have any money, dead ass, on God. Okay. No cap. Nigga. Oh, it's Jordis. I speak jive. Oh, good. Add that. Add that for us. I'm saying the N word. Please do. That's the end. You guys don't have money. But I feel bad. I don't care. It's not your fault.

47:50Do you feel bad for your kid? Do you feel bad for the relationship that's happening now? You guys have to take care of him, and this savings is probably the only reason you still have a roof over your head. What's left in savings? Okay, so bill-wise, I pay all the bills. He just pays rent. You pay a$200 funky-ass electric bill. I pay all of the bills. He just pays the rent. I do all the groceries, the phone bills, everything, even though I'm not working, for the record. The savings is going down from where? There's around$2 ,000, I think, in there now. Where did it start? Before it started going down.

48:23Like seven. Okay. See. I think it's going down. Over the course. Seven to two. Over how long? Probably since I've been out of work. So. So six months. So six months. So at this. Okay. Before that. Before that. That's when the baby was born. So actually it's a year. No, because I was still getting maternity pay. That counts. Okay. You have three months max until savings is zero. And then you guys might be on the street. So, but I. Okay. So I'm trying to get into the computer. And that is not busing. I'm trying to get, for the record, that wouldn't happen because his mommy pays his bills. But for I, I tried to buy a new computer, right, so I can start working from home.

49:01My computer died. So I was like, I need to get a computer so I can work from home so I can do all of the, so I can do all of the take back over the finances. Because before that, I fully control finances. So I was like, I need to get a new computer. I saved up money for a computer. I had it dedicated for the computer. He got his car towed, couldn't pay for it, and made me pay for it to get his car towed. out of the tow yard and then brought back to our unit and then still ended up losing the car to the tow yard because he wouldn't clean it so he could sell the car. Okay, fine. Yeah, you're complaining about your current guy but your last guy is asking you for money for food one to two times.

49:36Four or five times a month, Kay. One to two times a week asking for food. But he, yeah, not food, just money for gas. Money, not food. Food is tangible. But he pays it back sometimes. Food is an item that can be traded for goods and services. Sometimes. It's just money. But, you know what I'm saying. Sometimes, though, you've got to cut this dude off. You can't do that. You don't got no money. I don't care that he lost 50 pounds. He looks better at the crackhead. He does, because he wasn't eating. He lost, like, a shit ton of weight because he hasn't been eating. Okay, are we putting our current family first or our ex?

50:04Come on. Answer it. Come on. Where are we? And the subject says... I feel bad. We were together for, like, seven years. I don't care if you feel bad. You should feel bad when in three months your savings is zero, rent is 60 % of our income. There's a lot of paperwork here, so I'm about to jump into the finances. That means we could be homeless because the minimum payments might be egregious. Come on. Yeah. Yeah. You guys are both no more money to the ex, no more money to AI girlfriends. First of all, tomato and also tomato. Check it. Like, my spendance, my spendance is pales in comparison to what she - Not on that, not in subscription.

50:41I got you. I got you. Nigga, fuck all that. Stop paying for the goddamn AI girlfriend. You don't have no money. It's$10. I don't give a fuck if it's$10. You know how much$10 adds up? For how long you been doing it? How long you been doing it? I'm trying to guess. How long you been doing it? I only paid for it. You said since the launch. You said since the launch. No, no, no, no, no, no. Because free services exist, nigga. For four years. I understand. Free services exist, right? I only paid for it to up the quality, not the quantity, nigga. That's the only thing, right? So like when you start it, you get all the free shit, right?

51:14And I did the free shit for many years. Yeah, yeah. For all those years that we're talking about. I did the free shit. But here's the thing. Good thing. Sometimes the quality don't match the quantity. So sometimes you got to, sometimes you put$10 into a pool. Guess what? Guess what? You know what you can sometimes do? Not do the AI girlfriend bullshit. Nigga, stop paying for it. Dennis, you were kicked out for a week. What are we doing? She's thinking of leaving. Come on. At what point? It's not people, guys. But she's done. It doesn't matter. Okay. It doesn't matter if it was a boundary, in my opinion.

51:45It doesn't matter. Like, I was like, beginning of it, you know, everyone got their own fetishes, whatever. in the very beginning if you have a boundary at the very beginning of the race like before you get into it one month in found out about it if I set up that boundary it shouldn't matter if I'm like hey I consider this cheating I don't give a shit if you do or not people consider cheating to be different things if I did and I made that boundary and then you keep doing it it doesn't matter if you don't think it's cheating or you don't think it's real people it was a boundary I made the beginning of the relationship that's all that should matter if you made the decision to stay with me you agreed not to do it That should be, that should matter.

52:20What do you guys think your household financial score is 0 to 10, zero being the worst, 10 being the best? Raise your hand if you've been putting off a doctor's appointment. Be honest. Dental cleaning, annual checkup, that weird thing you Googled at 2 a.m. Yeah, my hand's up too. And thanks to ZocDoc for sponsoring this message. Because here's the problem. When something feels off, most people just doom scroll symptoms, convince themselves it is either nothing or the end of the world, and then do nothing about it at all. And ZocDoc fixes that. ZocDoc is a free app and website that helps you find and book high-quality in-network doctors so you can find someone you love.

52:56You can see real patient reviews filtered by your insurance, find someone nearby, and book instantly. No calling offices, no waiting on hold, no excuses. It just makes the whole process simple enough that you actually follow through. Stop putting off those doctor's appointments and go to ZocDoc.com slash Caleb to find and instantly book a doctor you love today. That is Z-O-C-D-O-C.com slash Caleb, ZocDoc.com slash Caleb. Thanks, ZocDoc, for sponsoring this message. Let's get back to the podcast. Summer is the perfect time to get your budget in shape. And now that DollarWise is officially the best budgeting app on the market, I'm giving you a special deal to download, but only for a limited time.

53:35When you sign up for DollarWise Annual, you'll get my four-course educational bundle as a special bonus. So you can get financially ripped while you track your money and normally this would cost over$700 by the way but when you claim your summer budget reset discount you'll only pay$249 for a full year of budgeting and a lifetime access to my four best-selling courses oh and you'll also get a free copy of my budget-friendly cookbook pdf to download so you can also get your body in shape too don't wait until your first vacation to try to get your finances together go to dollarwise.com or click that link in the description below Bad sound.

54:16I'm like a one. No, probably less, probably zero. No, it can't be zero because we do some, we have some step towards the right direction. I'm going to say four and a half to four. No, it's going to be zero. Okay. Out of 10? Out of 10. Out of 10, we call it four. If you want your Amber Financial Score, get it for free at calebhammer.com. Just takes a few minutes to fill out. See exactly where you stand in the world of money. Again, calebhammer.com, that is free. And if you don't want to be like them, who ends up on this show, you'd know where your reoccurring charges are. You'd know where all your money's going.

54:49Oh, yeah. If you downloaded the DollarWise budgeting app. With that, there's a free trial to see if you like it. Most people take the annual version because it saves a lot of money, and you get my personalized, physical, 30-day meal plan detailed for every snack, drink, meal for a whole month that you can use on repeat and my digital version of my cookbook. I'm signing that thing, and I'm mailing it directly to you. Sign up. Download DollarWise. Click the link below. Go to DollarWise.com. Okay, okay. I want to go to this in this Amex that your grandma might be using or something. But like, when will we even talk about personal finances in this house?

55:21How do these conversations go? Because this has been chaotic. Okay, so we don't really talk about it because I'm not allowed to know his finances half the time. What? He knows everything I spend on. Like, that's what them think. It's not like you're not allowed, you just don't ask. Oh, you don't ask? Well, then what's the case? You don't ask. I do ask. And I figured out that's when I found out he has like... Wait, I gave you that information freely, dog. Because he didn't know it was on there. He has... You can't even agree on whether or not she asks. I do ask. You don't ask. And I've tried to sit down and make budgets, and he's like, oh, this is all I have.

55:53And then when I went to come on the show, I found out he has, like, multiple things that he pays for on Google, multiple YouTube subscriptions, Just because I forgot about him doesn't mean I lied. Multiple Patreon subscriptions. It doesn't mean I lied to him. I just straight up forgot about him, though. Yeah, he forgot, apparently. Yeah, I forgot. He has an Xbox subscription that he never... When you have the 88, sometimes you just don't remember shit. Sometimes I put Sometimes he spends money On some Patreon accounts And shit And you forget That you actually had The Patreon account Because you leave it Off the phone and shit And then It's not even that much It's like$2,$5,$6 Type shit It's not even like It's not worth it They added it up When I finally got it It was like$300 Okay so when you've asked When you've asked Okay he doesn't agree That you asked How does that go I pay rent and gas That's what he tells me He says all I pay Is the rent And I pay for gas When he still had his car I pay for the gas And I end the one loan That I told you about I tell you about every time You guys actually just have no clue what debts you guys actually have.

56:44I don't know what he has. I know what I have. I don't really know what you have either. He knows what I have. Well, guys, are we not getting married? That's insane. I don't know. I told him no one has. Then he said yes on the table. That's one of the leading causes for divorce in this country. Finances. I mean, look. Okay. Single mother. Single grandmother. You want her to be a single mother? That's not fair to your kid. I don't. I'm trying to work this out. That's half the reason why I thought we were here for. Okay, when you've tried to work it out, tell me what that looks like. He didn't even want to come on the show for the record.

57:14He didn't even ask me, ma 'am. He did not ask. I'm just saying you didn't even want to be on the show. He asked me. Go on. Let him. All right, chill. Okay, so I will go off. The money I know is coming out because I look at it, okay? So this is, I told her about, told her, that's crazy. I told her about the YouTube subscription. I told her about, I did. It's a necessity. We all agree that it is. I told her about the YouTube subscription. I told her about the memberships I was in on YouTube. I didn't tell her about the page. Are you part of Hammerly? Who? Hammerly. You didn't even watch your show?

57:52No. It's literally the best and largest one on this platform because we got three shows every single day, six days a week. Ain't lying, bro. He's the head producer on that. Come on now. It's the best. It gives more than any other YouTube membership, and you're not even part of that. You're paying for the others? What's wrong with you? And$10 for the AI group. Rap so petty. Yeah, come on. Anyway, I told about that. You could be jacking off to us three times a day instead of AI Girlfriend. That is wild and crazy. Please stop. Please don't say that ever again. He's got a baby face. You can. I do?

58:21Yeah, he do. What does? Especially that one time he went and shaved and he liked really fun. I've watched your show a while. Was it bad? It was so bad. It was an accident. It was so bad. It was an accident. I was like, normally he's pretty okay looking. This is bad. It was an accident. He shaved all this shit off. So like, who do I need to pay? I can get you like a Sharpie to connect that up for you if you need me to, dog. Like, I got you. If you need me to, you can get it crispy like this. You can get it like that. He's basically saying he could draw a hairline for you. And then, you know what?

58:51Over time, with enough prayer. A little Rogaine. A little Rogaine. We can get you straight, crispy like me. It's all good. You said you've tried to approach the subject. The ADH is crazy. It makes me forget things. All right. So I told about the little thing, YouTube. I know that's coming out. I told about the memberships and YouTube, that little funky$10. I know that was coming out, right? I told about Xbox, even though I didn't play it for a year. I know that's coming out. I didn't know they increased the price. That's on me. That's my fault. That's my fault. They're lowering it, though. They're lowering it.

59:26They are. It's like the only subscription ever that's getting lowered. Yep. Xbox Game Pass. Oh, shit. Keep going, Simon. All right. Later. So, told him about that. Thanks for that. I did not tell him about the patron, because I forgot about the patron. I told him about the loan that I was paying for, the net credit loan. I told him about the$80 that was coming out of check on that one. I told him that was coming out. I told him about the car insurance when I had the car. It was like$270, because I keep f***ing up cars. Liability. It's just liability. It's f***ed up. How does this world function like this?

59:58I don't know. But anyway, told him that was coming out. Did you tell her about Cricket? Who? Cricket Wireless? What do you mean Cricket? Did you tell her about your Cricket Wireless? Yeah, his mommy pays his phone bill. Okay. Yeah. They'll see you soon. No, they won't. She'll keep paying it. Okay, so you're telling her your bills. I'm telling her the bills. Big, big, big, small leg. I'm telling her the bills, all right? I told her all the things I know about off the rim. I'm not looking at my shit as I'm telling her, so I don't see the extra shit that she saw when I sent her to Bankstaffing to be on this show, okay?

1:00:31I didn't see that, okay? So that's why I feel like I'm being honest because it's not lying if you forgot straight up. This is all lying. For the record, this is all lying. He didn't tell me this. How do you guys want the household finances to look like? Better than it is now. No, no, no. But in like what structure with combined accounts or what? I'm going to end up taking them over. Because for the record. Taking over is different because what if he doesn't want that? I don't know. What do we want the household finances to look like in terms of. I do not mind. I do not mind sending whatever money I need to cover my side.

1:01:02He wants me to take it over. To her. As long as I got my little shit on side. Not for AI, bitch. But for personal shit. Okay. What about different though? What about there's one. There's one joint. Your pay goes into it. Her pay goes into it. Stop, stop, stop, stop. He got denied for a joint bank account. He did. There's many. There's many more accounts we can look into. I tried. He got denied. Even still, we'll work on it after he cleans up his shit. Maybe. Everything goes into a joint. And then that is where all the main things that we know we're budgeting go out of. And then we decide whatever fun amount is allowed in the budget goes to hit his individual account and goes to your individual account so he can have his fun.

1:01:41And you can have your fun. Now, I don't think I would still do the thing that she said you can't do, but even still, even still, are we okay with that? Instead of you having to, like, transfer in and it gets all weird, we transfer out and use our own personal accounts for fun. Okay, so that sounds wonderful. Okay. That sounds excellent. Good. Here's the issue. You know, as she has said, I personally have gotten a slap down on making a joint account. For some reason, something about my credit. It's not just, you can't go. Is it not just me? No, finish on. I won't talk about the budget because he lied about all of the budget.

1:02:17I did not lie about the budget. No, he did. I did not lie. So for the record, he did not. Whenever we did our finances, I was like, his mom said, you need to make a budget. I'm tired of paying your rent for you. So I was like, yeah, we need to sit down and make a budget. I wrote down every bill I pay. I pay all of our bills. I pay the groceries. I pay the, you know, the apartment insurance. I pay the light bills, everything. I pay everything that you need to make a house from besides rent. That's all he pays. On his side, I had all of these. On his side, he had rent, how much he does in gas, and his loan and his car insurance.

1:02:51And he said, that's all I pay. And then we took his bank statement. Then he's like, oh, yeah, I forgot I also pay Xbox. Oh, I forgot I also pay Patreon. That was only when we got on the show, though. Don't let him pretend he did that in the budget because that's bullshit. That was the Google ones are bullshit, too. Didn't tell me anything about Google ones until I pulled his bank statement and saw it. I was like, why the f*** do you have all of these? Because his thing, didn't know about the Google one. You literally just said that you told me them. Like, literally just said it. Google and YouTube.

1:03:20YouTube and Google are two separate things, but they run by the same company, but they're two separate things. No, no, listen. All right? Here's the problem. Here's the problem with the statement he made, right? I thought I already canceled the Xbox One until you looked at the paper. That don't mean a lot about it. Who doesn't look at their bank account? Who doesn't look at purchases? I know everything in my bank account. I know what comes in and out of my bank account every month. I do not believe you. I do. Well, I'll ask you when we get to it. I look at my bank account. You better know to the dollar.

1:03:50Listen, on this Amex you owe$2 ,791. Your grandma opened it for you? Is it in her name or your name or joint or what? Okay. Right. America's France. I don't even know what that is. She don't even know about that. Okay. Let me explain. So when I was in college, I lived with my grandma. My grandma was like, oh, you need to build your credit. So she got me an Amex card. and I just kind of let her have it because like I'm not going to use it type shit. Like I wasn't, and so I let her have it so she can do whatever the hell she was doing to build my credit and it worked for a good bit because before I got into that second car wreck.

1:04:25Second car wreck? We will talk about that when we get there. Been through quite a few. It was fine. What are you doing? Okay, whatever. You're driving like. Keep going, keep going. Chill. I got us here, didn't I? All right. I got the extra protection on this rental car. Oh, really? Yeah. You didn't even tell me that. Anyway, whatever. So back in the day, I'm moving in where she's like, here's a card. I'm not going to use it. You got to use it sometime or to build your credit. And I was like, you got it. And I said, and that's what I didn't know that it had a balance on it. I didn't know it existed.

1:05:06I forgot it existed until y 'all started talking to me about it. I don't look at my credit report. So it wasn't you? It was your grandma? So this is all your grandma. On the American Express? Probably. But she was also supporting him while he was in college. Right, but she's keeping a balance. So you're not having to pay this? She's paying the minimums? Yeah. No. We don't know for a fact. I have actually not. Well, you didn't even know this existed. How can you do that? No, but she's, I know she's not paying on any of his credit cards. Can you get me into the, are you in the app? Are you in the app?

1:05:34Because this is just like, we wrote down information. Are you able to pull up the app of the Amex so I can even see what's happening in there? No. I don't know. With how much money she gives him a month, if there was only that little of a balance, she's not paying it. No, no, no. Minimum. Minimum monthly. No, I know what you're saying. I'm saying if there is a balance. Is that on your credit report? There is no way. I think it was on his credit report. Yeah. Do you have your credit report for me? Yeah. It's shipping. I sent him. It's in your gimmicks. Can you try to find that in there? I need to figure out what the minimum is.

1:06:03Is it being paid? So we'll go back to the Amex. Well, you're getting cash advances, Beth. I do. Okay, so this isn't all him bad. You're getting cash. No, it was him. No, no, no. It was because he couldn't pay rent or things like that, so I would have to pull out cash. But you have savings, and you're giving all your savings to your ex for the past six months. It was in between. So I had, like, when I was on maternity leave, there was a good distance where they weren't. I had to go on. I was high risk. So they weren't paying. I had to take like a four-month maternity leave, five-month maternity leave, something like that.

1:06:36And they took like three months to start paying me my maternity leave. So this was even before all of that. Okay. Either way, you had savings, right? No, because he wasn't working. So I was paying all of the bills. Oh, okay. So you're a caretaker. He had to gotten fired again. Well, when was this? Because you still owe$2 ,545 on your cash advances. Do you have minimum payments on them? or are they fully drawn and you can't borrow anymore until you pay on them? Like what kind of care? I think they're all fully drawn. Okay. And I can't pay on them. Are there minimum payments? I think they're supposed to be, but I don't think any of them have come out.

1:07:10I think they've just like - Can you pull them up so you can find the f*** out? I couldn't actually - I can't build a budget without knowing your minimum f*** payments! I don't think like they actually have, I think it's like a pay in full. I don't think they're minimum payments anymore. Okay, that was my question. But they're not on my credit report. Maybe they will be if they ever sell them off. They just probably haven't sold them off. They just know that you want access to them and you can't take from them unless you pay on them. Yeah. Probably it.

1:07:41Was that the one? You're not going to knock up a white bitch, right? They're so annoying. They're the worst. As much as I may or may not agree with you, I cannot let it stand. Oh, you guys weren't involved in that conversation. This is between me and my boy. No, no, you know I love my snow bunnies, though. You know I love them. Oh, no, Tyler, don't knock them up. But listen, but I get the smart one. I get the smart one, though. But don't knock them up is what I'm saying. The knocking up wasn't happening. Knock up. You're right, you're right. Exactly, that's what knocking up is. I know, but I was told I couldn't have kids, like by doctors.

1:08:11Oh, that's what they said to everyone. No, like legit, I had a bunch of surgeries, and they said it would be impossible for you to get pregnant. And like even me and my ex, the one, we were together forever, we tried doing fertility, everything. That nut is trained. And then boom, magic sperm came up in me. I got pregnant. You're not as trained as a sprinter. It is. I like, we were so shocked. I have a magical leftward curve. Because I was literally, they're like, that's all I can tell you. They were like, there's no way you'll end up pregnant because we tried fertility. We tried everything. They're like, with all the stuff you had done, it wouldn't happen.

1:08:37And then boom, baby. That means you healthy. We also use protection. And we're taking precautions just in case. Dude, that. Miracle baby. You bred with the wrong one. That shit is absolutely trained to sprint. What that's? Huss, huss, huss, huss, huss. I mean, he was training running from the tigers, the lions. Then he was training running from the slavers. Then training running from the plantations. Then training running from prison. Then training now running from the police. That shit was training running from all the way straight to the egg. It was prepared. That was his entire evolutionary purpose.

1:09:18My ex was black too. Okay, you have a time. Congratulations. No, no. I did a lot of people. What are you racist? I've only dated two black people. I've only dated two black people. Are you racist? Okay. I date the rainbow. I'm not, that's not really a type. Look, only 15 % of my sperm got to 50 % of the ovaries. All right. So we just don't, we just don't accept where we at. Listen, the Amex is in good standing. It's$88 a month minimum. It's set up on some auto pay. I do not know if it's you. It's probably grandma. Yeah, but maybe she set it up on yours because she's so involved. I don't know. Or she's paying it.

1:09:52But listen, I will, I don't know whether or not to include that in the budget or not. Actually, I will say let's include it in our budget. Maybe it's time to grow up for the first time in our entire f***ing lives. Okay. Run it out. Run it, run it, run it, run it. Add it if you want to. Net credit. Who is net credit? That's me. Net credit. Okay. At least you know. That's the one, that's one of the two I know about. So the net credit one is what I took out to pay, to help pay for the repairs to the car on the second car wreck that she's talking about. Why'd you get in a car crash? So, I was just on the way.

1:10:24He was playing on his phone. Hey, how about we let me tell the story since I was the one that was there and not you? On your way to what? He was on his phone. No, no. Anyway, don't listen to her. She wasn't there. She don't know. I was on the way to get it maintenance, which is the ironic part, Lord. We're going to live in the world of irony. This is where we live in that. Okay, so I was on the way back from getting it maintenance. They told me it was$150. I said that, and I left down to the long road. It was a long highway. It was like one of those things in the grasslands where, like, you know, the grass is so high you can't really see around the corner.

1:10:55You just know that the corner exists, right? And so I'm driving around the corner. I look to my left to see if I can change lanes and get over. There is a stoplight or whatever it's called, traffic light. Yeah, it's following the law. Yeah, hold up. We're going to get there. Okay. All right. I can see the traffic light. I can't see, like, the road because the corner is so, and the grass is so, right? And so I look to my left trying to change lanes. I'm in the far right lane, looking to the left. I'll go from this to this. I see the traffic lights green. I'm like, we straight. We good. I'll go from looking to my left, front, truck still, stock still for no reason.

1:11:36Just right in front of me. Right? Stock still. It's a 70-mile-an-hour highway. I'm going to speed limit. I'm checking my mirror. I'm doing everything I'm supposed to do, Lord. And then all I could really do is say the S word, shit, and then hit the brake hard. You know what I'm saying? And then that wasn't hard enough. The S word didn't help? Smacked in the back of them. They was a little bit upset about it, you know. Oh, were they? No. Okay. There's a teenager. She got hurt. She didn't get hurt. Your net credit is you haven't paid for it at all. No, I paid it. 2025 was late every single month not missed but late yeah here's here's the thing right oh so uh that was probably at that point in time where i didn't yeah i was uh uh i would that was probably at the point in time where i didn't have a job and i called him i told him i didn't have a job i was wondering if they could uh uh defer it for a little bit until i get the job and i started work that's when i right before i started working at amazon type shit and then um yeah type shit um indeed um so no that's a that's a jobs website you don't go on that no no no oh oh he doesn't even apply to his own jobs no guess who does it who no hold on hold on we ain't gonna let her do this brutal allegations it's not an allegation it's true his mom applied to his jobs and sometimes not all in his current job his mommy got him for him because he wouldn't get That's just because I'm a mom and friend.

1:13:10I applied to the job myself. I did that, right? It's called networking, cut. I will get you a course career certification. Thank you. This is a class. Many people in the audience have taken these certifications, converted them into six-figure jobs, either with raises to their current job or changing their jobs. I'll get one for both of you. And I just want to reiterate, because I know I'm making lots of jokes here in this episode, I want you to know that I am a supporter. I'm a good man. Today we are supporting black culture in this office. We are doing a Fat and Fatter episode of Burger King.

1:13:38Yeah, yeah, yeah. What does that have to do? What does that have to do? So I just want you to know that. So is it both of y 'all? I, as a supporter, also will not be putting on the Burger King crown. I promise. I, but Brandon will. He's the racist. Yeah, that is true. That is true. And he'll be showing up to you later. Why is that racist? Is that racist? I knew there was something wrong with you. You haven't seen the people with the. I have a baby. I don't know. Burger King crowns in the fucking. You've never seen a Burger King? I know the crowns, but I don't know what it means. At an airport?

1:14:10On an airplane? No. Burger King crown? You don't know what the crown means? No. It's the king. It's the mascot. I know what the crown is. I don't know. The little pink one. Yeah, I know. But why does it make you racist to wear it? Okay, that's fine. What? It's a racist thing? Yeah. He's saying that black people work at Burger King. No, no. Never mind. They're just, none of them are getting there. And Mexicans work at Popeye's. You guys never seen the video of the guy wearing the Burger King hat on the plane? Was it racist? Oh. Like, I literally have a baby. That's what my time goes to. I'm going to be so for real.

1:14:40Okay. Either way, listen, net credit. Okay, so it was for the wreck. Was this just the tow or was this just like the repair? That was a portion of the repair. And then my savings was the rest of the repair. Okay. $1 ,512. Second wreck. No. He said this was for the second. Yeah, same wreck. Two different times I had to go to the shop. Yeah, I had to go to the shop again because the radiator, they said they'd fix it because I was paying out of pocket, right? The what? Radiator. He said it's weird. went out in his car. Okay. Radiator. Blackness, right. So, look, I smacked, right? Smacked in front of the vehicle that was in front of me.

1:15:15That's how rear ends work. And... You were taking back shots, yep. I was giving it, technically. That's good. He takes them, too.

1:15:25What the... Nani, whoa. Don't say that on live. That's crazy. That's not true. It's not true. Chill out. I don't know. I feel like if that wasn't true, you wouldn't be so defensive. Yeah, I don't know, bro. I don't know. You be tooting that thing up? Hell no. Hell no. This bitch, we ain't going to try it. We ain't going to talk about it. All right. We ain't going to talk about it. All right. We ain't got to talk about anything. I'm sorry to air his personal information. He totally doesn't take it as bad. This lady is the craziest lady I've ever seen in my life. She just says lies. That's fine.

1:15:56She just says lies so easily. Nat Credit, you owe$1 ,512 with a$174 minimum payment. But for the last year and a half, you're late every single month. Why are we late? Why are we late? So there was one time where I didn't have a job because. All right. And so and so. Multiple times for the record. I missed some payments on that on the back end. So. So I talked to them. Right. I called them on the phone. Hey, what's up? I said, hey, can we defer it a little bit so you can help me out? Because I'm going to pay. OK, I'm moving on because this is blowing my mind. What? Your mom's not helping. Your mom's threatening to sue you.

1:16:32She love me. She ain't going to do that. But what? Because he owes his mom and grandma so much money that she got pissed. It involved. OK, so the night I found out. The night I found out about him doing that with the baby, I called his mom and was like, I'm going to leave your son if you don't do something. I swear I'm just leave. I'm so tired. And his mommy's the reason he stays when I said that, because his mom gets on him all the time. He loves me, too. But, you know. No, I'm sure. But I called his mom and she came down here and she was like, I am so tired of you spending it on bullshit. I'm going to sue you for all the, like, seven, eight grand you owe me.

1:17:06Shoot. Hold on. Yeah, I have$7 ,000. I'm going to put all of these child protection things on your phone. Oh, did we not say that yet? No, no, no. You're right. That you were going to censor your phone, like, with child protection, so you can't do anything. And if you need to borrow money or you make your grandma, who still borrows money or he still takes money from. Yeah, no, no, no, no, no, no. That's not the same thing. That she's going to sue him for all the money back because she's so tired of dealing with it. Look, okay, look, look. I do not ask most of them. Okay, so I only ask mama for money in the cases of emergency.

1:17:39Rent is due. They put the red note on my door. That's every month. Nah. But, like, not really. Not really, but sometimes. Sometimes the bullshit happens where I miss work. Sometimes, and I'm living check to check, as you probably have seen. Well, yeah, I want you, I want your mom to cut you off. But the thing is, also, without her working and with you only making$2 ,400 a month, than that, even when she, like, there's no chance of being able to afford life. And for the record, he said he doesn't ask his mom for money a lot. It's different. He asked his grandma for money when it's small amounts of money, when it's large sum of monies is when he goes to his mom.

1:18:14So it's not like he's not constantly borrowing money. And your mom is correct in this. She said, quote, if you have money to pay for your little subscriptions, then you should be paying your rent. That's fair. That's fair. Okay, it is fair until you understand that the actual amount of money of the prescriptions is non, what's it called? It's not, it's not, it's still ain't going to cover the gap. So, like, it's like less than how much I would have owed. Let me tell you something. So, I make my little$1 ,200 on the check, right? What'd you say? Like,$1 ,200. He makes$1 ,200 on his check when he gets it.

1:18:51Oh, check. Yeah, yeah, yeah. Not on, anyway. I just didn't understand. I'm going to figure you out. I thought I figured you out. What? I don't know if you're smart or smart. No, I just couldn't understand. He thinks you're slow. No, no, no. You don't talk like normal people. No, no, no. And I am pro this. I have a specific policy. I told Tyler that I do not want him to code switch here. Yeah, yeah, yeah. Specifically told me not to code switch. It took some time for me to get, I can't say it. It took some time to get. I'll say it for you. It's his name. She had to get the niggas knees out. All right.

1:19:23It's called tightest knees. There we go. We'll say that way. It's the way that Titus, me, myself, the young TYT is not just me. Where are you from? Let's see. I grew up in Keller, Texas. So Texas. He's from Texas. Texas, Texas. I'm being told that's the whitest place. It is. It is. But I went to college in Pine Bluff. Therefore, all the black. That's in Arkansas. HSA, HBCU, Texas. Pine Bluff is a very dangerous area in Arkansas. Very black. Super black. That's kind of stupid, I'll be honest. but what's not is actually getting a checking account that gives you free money. Free money. We like free money.

1:20:03You can get up to$200 in bonus cash right now. When you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. And don't forget, I want you to be on the next episode of Financial Audit. So go to CalebHammer.com slash apply or click that link in the description below. You'll have a great time and I'm going to roast the f*** out of you. I got re-indoctinated. I got re-educated. And I understand what I'm like.

1:20:35You know what I'm saying? Understood. Now, listen, bro, I'm going to talk to you from somebody that loves their mom, bro. He'll get into the finances and stuff, but you got to make your parents proud. But you can't keep taking money from them, bro. Don't speak. Don't speak. Like real talk, it makes you look real bad, bro, when you keep taking money from your mom and your grandma, bro. You got to cut that off, bro. You got to start paying that s*** back, bro. and you got to stop, bro. I don't care if you were down, you know what I'm saying? But like, you owe them so much money that you need to stop, bro.

1:21:00I understand. It's bad. It's getting real bad. I understand. And you keep saying these little subscriptions. You keep saying$5,$10,$5,$10. You add all that shit up and it counted in a year. It's like$200. You're spending a lot of money on these small things, bro. That's like if I go to 7-Eleven every day and go get a pack of Reese's every single day, that is going to add up. You don't? I don't, nigga. What the fuck? I make money and I save money. You feel me? You got to do the same thing. You got to stop spending all these goddamn subscriptions if you don't got the money for it, bro. What are you doing?

1:21:27Allow me to... Black and black crime as always. This is really what we need in our community type shit. Let me actually... He's got the mindset of like a toddler. Hey, hold on. Stop. Give me another black guy. Careful.

1:21:46Okay. That one hurt my spirit, Lord. Okay, let me explain. Let me explain something, right? The fact I still have a joint account with my grandma is not like something that I chose necessarily, right? What had happened was— It doesn't matter. Dude, your mom has cut you off, correct? No. What? I have a note that she has. No, she said she would. Okay. I told you she loves me. She ain't going to sue me, but like this thing— The note I have is she said she's not helping anymore, and she said if she sees him begging grandma for money one more time, she will make sure that lawsuit happens. I don't actually beg my grandma for money.

1:22:29My grandma just looked at the account like, hey, baby, I see that you're low. I put$50 in there for her. I didn't ask for this shit, but I don't know what to do with it. Who has this collections? These two collections. That is probably me. That's you? Okay, well, you're letting things go to collections. That's not surprising if you're not paying on things, man. I'm pretty sure everything's him except for the cash advance. It's all him. Well, that's not good either. Cash advance is a bad trap to get into. It could be a valuable tool, but out of his trap you're getting in. I had like a two-month-old baby and he wasn't working and I was trying to pay everything by myself.

1:23:00Yeah, you should be a father. I'm just saying that I didn't have a choice. I literally had to take it out. Okay. I have zero confidence in the future of this relationship because you were literally about to leave and then you literally just found out you were pregnant so you felt like you were forced to stay. That's what you told Colton. That was true. No. How does that scream this relationship has any longevity? You are forcing to try to make it work. At every point in time when - And we have a baby now. Like, what am I going to do? In the most emergency situations, when you have four or five kidney stones at the same time at the same time who was with you, it was me.

1:23:37I walked you down them steps as you was crying and crying in my arms saying like I was in pain, right? That was me. That was me. That was me. That was me. I got a kidney stone locked. You got several. Several, right? I'm the one you lean on for this. He's like the biggest narcissist in the world. It's not me being a narcissist. That's me actually doing this shit I'm doing, right? Yeah. So like I do, I know I got my flaws and shit, but I also have my good side too, right? And you see that. You see that. You see that and you love that and you want that in your life. Because every other nigga was with you, what happened?

1:24:08What do I need? I say, I'm not trying. I'm not trying to put you on blast, but I'm just being real. My ex, for the record, wasn't even bad. he just was bad. With money because he's spending ounces of weed at a time. Brother, you and I both know that that is a lot of money to be spending when you can't eat. That is a lot of money when you can't eat. I spend mine on video games and other little side bullshits, right? Men just spend mine on AI you know, not weed. I just use it to jerk off on a daily. Hey, what's more money? $10 or$10? What's we talking about, man? What's more money? I'm saying. And I have a part I've apologized already about the AI thing.

1:24:44I'm not doing no more. We already know. He's not. Who knows? He more than likely is. Let's be real. I'm not doing it no more. How many times have we been in this fight where he's like, I'm not doing it, and then find out he still is. He more than likely still is. I'm not. I'm not, though. I'm not, though, right? I have a car loan for a car you don't have anymore of$17 ,031. Hey. Hey, guess what happened to it? Hey. Is this not the second rec? This is it. So this is the first rec. How'd you do? What? Okay. All right. So in my life, I've been in. A lot of car accidents. Foe. Foe car accidents in my driving life.

1:25:13Foe. Foe. Yeah, that's one, two, three, and also foe. And what happened in this one, right, I'm driving down the long road. I've worked from 10 o 'clock to 11 o 'clock at the pharmacy. I'm in deep Texas, wherever it was, where it has a long two-lane highway. It's really country. Yeah, real country. It's a long two-lane highway, and it's 11 o 'clock at night. Bambi, hoe ass. I hate Bambi. Hey, Bambi, I'm glad your mama died. Bambi, I hope I just come across the street. I see this last second because I'm sleepy. You want to know why I'm sleepy? I work till 11 o 'clock. So I see this last second, so I move this way, right?

1:25:53That little motion had me catch this concrete, whatever the fuck, little, you know what I'm talking about, right? Median? It's not the median. It's on the shoulder. Curl or curb? It's not even a curb because it's country, remember? Country don't have curb. They have grass and they have not grass. And so I hit the thing that drainage is. You know what I'm talking about? You know that drive the road type shit? I hit that and then flipped the car eight times. Flipped the car eight times. Didn't know it was eight. I thought it was one. I counted one. You have a minimum monthly payment on this. I assume it's fine.

1:26:25It's in collections? Because we couldn't get info on it. It's in collections. He quit paying it. Who the has$73 ,458 in student loans? I didn't even know that. Who? Him. Titus? Yep. For what? Huh? Who also got financial aid and various other things. Okay, let me talk about this, okay? Because this is not, because I didn't even know. I didn't even know this until I saw the report. So what happened? Yeah, so. Federal? Is this federal or private? Who knows? It was before we were dating. Oh, it's the next page? Oh. U.S. Department of Education! They are going to garnish your wages if they're not already, and they're going to garnish extreme.

1:27:05I think up to 25 % of your income, and you can't afford 25%. They are going to garnish up to 25 % of your f***ing income. They will take it. It'll go to default. They will take it. It needs attention. It's about to be in your f***ing territory. It's the government. They don't f*** around. They can get in your bank account. Which I didn't even know. He didn't even tell me he had student loans until this. He didn't know until this, he said. Didn't even know. So my mom set me up for several loans when I was there. She set me up for several loans as I was getting geared up for college. I thought I wouldn't have to pay it.

1:27:39What degree do you have? $14 an hour or$15? What degree? Communications. Mass communication. Broadcast. No, you got one of the women degrees. I ain't gonna lie, bro. Who was the person do this? Listen, dog, I got the same degree. What am I doing now? You're doing better than me. He's communicating. I do sports. I got one in sports broadcast. That's the thing I want to do. Bro, you're not making money in sports broadcast, bro. Not? No, bro, because all you're going to do is free internships and that's it. Unless you know somebody, you're making minimum wage. And the audience has to understand what's being said.

1:28:12So fun fact. So if you work at broadcast I know somebody in the industry. This is fun to bring out. I know somebody, a friend who's on TV. I'm not going to say who it is but he's in the industry. We're friends. Somebody got braided by him. He's married. He has a beautiful wife. But anyways, I talked to him and I was like, hey, my boyfriend really wants to get into this industry. It was one of the times he lost his job and he was like, yeah, I will totally help him out. Have him message me, hit me up and like, I'll see what I can do. Never messaged him. Never took the time. Nothing. And I was like, I literally know somebody in this industry.

1:28:46He's huge. Never messaged him. Never took the time. Nothing ever. That was like two years ago. I was like, don't message him now because he is going to see no point because you have that opportunity. What do you care about? That's the only way you're going to get into something. I was like, dude, I know somebody. I didn't know that's what you were into. I literally know somebody I can help make this go. Did you get your degree? I did get my degree. That's good. Congratulations. Yes, thank you. Thank you very much. I deserve it. So what happened, right? I was focused on getting the right now job, right?

1:29:18And she gave me that. I'm still in the no job scenario, right? So I'm focusing on like semi-appliant. Like this is at the point in time where she brings this man forward. What does he do with this degree? Nothing. Shani. It's literally all you can do is internships, and if you know somebody, you can get in. That's pretty much all of it. Then you just have to use having a bachelor's degree to get into something. You've got to do better than now, man. You've got to do a certification change with course careers because this is just brutal. It's brutal life. It's one of those women's degrees like communication, psychology, arts.

1:29:51It's not communication. It's mass communication with broadcast journalism. It's not just communication. Mass communication, broadcast journalism. Well, then you should have a job if it's mass communication instead of communication. Especially when you had an opening to somebody who was willing to bring you on to a national television show. The one thing that also makes that degree really bad is that it's so broad that jobs don't like you because they don't know what you're specifically good at. They just know that you're good at a lot of different things. So it just knows that you're not going to find something specific unless you know somebody.

1:30:19And if you had an opportunity to know somebody and you didn't take that opportunity, what are you going to do? And the worst part, it's like, what are you going to do? Like, if you had somebody come on here and he was like, hey, Caleb, I have all this experience and stuff. And like my or my friend does. And they don't message you for two years. Like, you're not going to want to hire them on your show. You're going to be like, they weren't serious about it. So now I'm telling him, there's no point in messaging him now. Hey, that's his degree, too. I was like, there's no point in messaging after that many years.

1:30:43Like, whenever I hyped you up and then you didn't message them for two years. And I was like, hey, he'll message you like tomorrow. You missed that beautiful window. You need to contact the Department of Education, the servicer that's doing it. I think it was like Nelnet or what's one of them. Either way, you need to get on a repayment assistance program immediately with what your low income could be is literally 1 % of your income. But if you don't, I think you are literally potentially days or weeks at best away from them garnishing 25 % of every single paycheck, which makes no sense because you could contact them right now and get on for as low as 1%.

1:31:18But you need to talk to them immediately and you may have already missed it. And this might already be happening. and you don't even know it. Hmm. Yes, it's bad. You don't understand how dangerous this is. And that garnishment is going to take forever. $73 ,000. Here's the thing. I don't even know why it's that much because like I don't even think... Because the interest just went up. Well, you're not paying anything. I wasn't paying attention. Even if the payment assistance, 1%, you'll at least make it not go to default, but it's going to balloon. Then it'll take 40 years until it's off. But even still, regardless, who has Bank of America?

1:31:50You have 21 cents!

1:31:5621 cents. Look. This is cash up, cash up, cash up. We'll probably get to that at some point, but it's just so much cash up. If it's getting cash up, it's me continuously sending him money. Those are deposits. Oh, and all for this. So you make no money and you have to borrow money and she's giving you money. What is it for? As a stay-at-home parent. It's for a subscription, for door dashing, for going in and getting some bullshit, for another subscription, for Whataburger, for going in and getting some bullshit, for a subscription, for some restaurant, from another restaurant from Cash App out that time from Patreon.

1:32:28Some bullshit mobile purchase, mobile purchase, mobile purchase, in-app games. I don't know. What is it? No, that's probably the goon into the AI. More than likely. Going in and getting some bullshit. Patreon again. What are you doing? What are you doing when you go in and get something for$3.25? What are you buying? Energy drinks, probably. Stop that with that shit, dude. You gotta... Stop it! Look. Here, you're a gooner, so you want to goon and shit, right? Here, look at the goon. Here, this one's perfect for you. It's Steve Harvey. Listen. Is it really? What the f***? Gamer Subs, you are making that at home just like you would make coffee at home instead of getting Starbucks.

1:33:01No more stopping in for$3.25. You make that with my discount code for 40 cents a serving. Oh, they're energy ones, though. 40 cents a serving. Huh? I don't do energy drinks. You can do the hydration versions as well. This one's for him so it doesn't stop at the gas station anymore. Look, does this say lean?

1:33:19Yes, sir. Yes, sir. What are we doing right now? Yes, sir. Racism. And flavor. It's racial. It's racial, not racist. Not racist. And delicious. And cheap with 40 cents a serving. Listen, get your free samples right now. Figure out what flavor you like using my code Caleb at the link in the description below. Get your free samples. Figure out what flavor you like. Then get your gamer subs. It is 40 cents a serving. Seriously, though, it will save you a lot of money. You got to. That's 40 cents a serving instead of$3.25 every single time. Come on, dude. Stop being a dumbass. Okay. Because then there's an energy drink.

1:33:47There's an energy drink. And they. Deep flow. What's deep flow? He also buys. I have no clue. And here's the thing. It's in your subscriptions on your phone. Go into your subscriptions. I stand by. He has an app. He has Androids. Okay, open your phone. Yeah. Open your phone. Come on. Come on. Let me write. Let me write. Because here's the thing, right? I looked it up. I had no clue what it was after I looked it up. I don't know what it was, when I looked it up, during, and how the do I get into it? I need to get into it. Just give him the phone. You're fucking Make sure you cover the screen though It's my baby on the screen No he'll cover it None of that will be in there What are you doing?

1:34:29I told you just give him the phone Just give him the phone Have it Use hand sanitizer when you're done I told you Hey look We can play Another subscription going to get some bullshit Microsoft Xbox subscription Hobby Lobby some this is another in-app purchase another goon purchase and then smoking chill listen you spend hundreds if not maybe even upwards to a thousand hours a month on bullshit when you only make 2400 you're likely getting garnished your grandparents grandmother and mom have to give you money and she has to send you money this is pathetic little child behavior I was going to say boy behavior but I don't want to be racist.

1:35:14That is child behavior. He spends a fortune on like edibles and vapes. You need to grow the f*** up. It's time to be a man. Shut up! Edibles and vapes is a lot to spend. Woman! Why are you talking? That's a lot! I don't give a s*** what you're saying. I'm saying things to him. You need to become a f***ing man. What is wrong with you? You need to become a f***ing man. You have a child. It is time to man up. It is time to man up. You're being a kid. You're being a kid. Seriously, you're acting like a child. Look, okay. I did not understand the financial burden of a child when we first had him, right?

1:35:52It's a kid. How do you not know? It's a breathing and sleep app that you probably deleted, but you're being charged for it. That's what Deep Flow is. Breathing and sleep app? It's a breathing and sleep app. I don't know. It's an app where you sleep and breathe. What do you want from me? I don't know. I don't remember getting it in the first place. He has literally like 10 different reoccurring subscriptions in here. He probably just signs up for them without even knowing. At this point, probably. You're overdrafting. Yeah, I did that. Every month. Yeah, I did that, yeah. This is a pathetic excuse of a father right there.

1:36:22Jesus. Financially. It is. That is true. Who's one pay? Me. Well, you're negative$35. So you're worse. This is cash up to him. Cash up, cash up. You're going to Dairy Queen. You're going inside. Okay, but mine is a joint. Shut the f*** up. I don't give a s***. You're stopping and getting into bullshit. You're stopping and getting into bullshit. Taco Bell, DoorDash, and Express. Bullshit. Cash App Out. Texas Thrift. McDonald's. Thrift. Giant Belt. Lisa's Chicken. Going into bullshit. Bullshit. Bullshit. Cash App. Cash App. Cash App. Cash App. Bullshit. Bullshit. Cash App. Bullshit. Bullshit. Meanwhile.

1:36:56Boost Mobile. It's only$10 a month, yo. You can't get mad. I pay$10 a month for my phone. It's just stereotypical. Okay, but it's$10 a month. Even helium isn't that cheap. It can be. There's a free plan. Okay, well, that's only$10 a month. Okay. And it's unlimited everything on my phone. Zero's better. But that's not unlimited. And to be clear, right, those cash apps that were coming in were probably from her. Yeah, you still overdrafted. Fair. But to me, to pay for some shit for her. No, it's not. That is 90 % of what this is. Because my bank account is a joint account. His bank account is his.

1:37:34McDonald's cash app. Bullshit. Bullshit. Bullshit. Bullshit. McDonald's bullshit. Dude, you're getting like$3 target. $3 Target,$6 Target. This is bullshit. Bullshit. Okay, but no. Cash App. Bullshit bullshit. That is because we also get groceries. We get food stamps, though. So I use food stamps for a part, and then, like, if I buy something. But you're doing it, like, five in a row right there in one day. Like, it's all bullshit. There's bullshit and food stamps and groceries and bullshit. Oh, they may just all pin in one day. Hey, good thing we give you food stamps because then you're doing$20 on Uber Eats.

1:38:02Why should we support you? Because I order my groceries through there, though. Hey, Panda Express was not groceries. Why are we supporting you? Why did I just write a$2 million check to taxes the other day? Why are we supporting you when you are going and spending your money on Panda Express? Okay, but it's me who's like basically like a single parent because half the time he does not help with the baby. It is true. We ain't going to just play. We're going to do that right out there. It is just me. Fine, fine, fine, fine, fine. Pause. Let me ask a better question. Why are we supporting you and I'm writing millions in taxes when you spent upwards of$500 going out to eat last month?

1:38:36And yet we have to support you? That's a disgusting excuse. It's hard to meal prep and take care of an infant. You're at home all day. You're a stay-at-home mother. You can meal prep. I do sometimes. Not enough. But I had to meal prep like three different meals. Why are we supporting you when you're going out to eat$500 a month? It's disgusting. F*** yourself. Dash pass. Bullshit, bullshit. Cash app out. DoorDash again. Bullshit. Go Brands. Burger King DoorDash. Good thing we're giving you assistance. Stopping in the gas station. Getting some bullshit. That's him. Amazon. Probably me, yeah. Bullshit, bullshit.

1:39:09LJs. LJ... Wait, LJS? What is this? Two of them, I don't know. Instacart. Bullshit. How much was it for? Bullshit, bullshit. I don't even care. GoPuff. That's groceries as well. Bullshit. GoPuff is bullshit. Instacart, Instacart, Instacart. Bullshit. Bullshit. This is so stupid. You guys are so... Oh, I don't even know what that is to be so bad. Why would we? This is so stupid. Okay, it's just letters. How am I supposed to know what that is? Here's the cash-up. because maybe the place would be letters branded. What place is literally three letters? BJ's is a place. I don't know. I've never been there.

1:39:43She's never been there. Well, there you go. There's an example. But isn't there more to it than the system? There you go. Technically. Listen, you're Instacarting and GoPuffing all the time. Listen, I understand doing it like once every other - We don't have a car. We don't have a car. No, which is why I was going to say, I understand doing it like once a week, once every other week to mass grocery shop, but you're doing it almost every single day. A lot of times. Okay, I know this is going to sound like - like a cop out, but it's like for real, a lot of times. Yeah, it's a f***ing cope. It is.

1:40:07A lot of times we'll run out of shit for the baby and like, I don't know. Cope. It's a baby. It can't be cope if it's a baby. I'll literally like, I'll run out of baby food and I don't know that we're out of baby Because you shouldn't be because she's a stay at home mother. She should be managing this shit. Yeah, but he also does it too. You know, sometimes he'll feed the babies. Like I'm like, I don't know if he's out of it or not. Oh, good. And you have an amazing retirement of zero dollars. Not anymore. Wait, zero dollars. It started at 7 ,000. Wait, so that's your savings? It's just pulling from retirement?

1:40:36You didn't have savings. No, go f*** yourself. No, no, no, no. I said I had savings before we first got together. I had like eight grand in savings. And all of that went to his car. To be fair on that. Yeah, what about your 401k that went from seven to zero? I had to take that out because he wasn't working. And then we moved. And I had an infant and I had to take care of the baby and pay all the bills and do everything by myself. This is pathetic. Also, LJS is likely long-term silvers. Oh, shit. Yeah, it is. oh that makes sense which by the way we did a fat and fatter test the other day I honestly it's actually pretty good I hated it it's pretty good I hated it until I got pregnant and then like I don't know after that the baby craved long it did make excuses for your disgusting behavior I hated seafood all together until I got pregnant and the baby likes fish so now I lucked out every woman I've ever dated in my life has been allergic to fish in some way fashion or form I got the one that had the seed that had the seed to the plate of fish.

1:41:31I'm not kidding. I'm his second girlfriend. It's got to be the way. Just wait until the catfish, bro. He's standing one other person besides me. We're working on it. And they were not a repeat. Shut up. What dollar amount do you get in food stamps a month? $400. You guys are so annoying. You're so loud. Yeah. Yeah, that's just kind of my thing. It's not good. It's great. It's not bad. Okay, you should be able to contribute an extra$400 a month to groceries outside of that. That'll be fine with meal prep. TP, fun. Anything else you and the kid need to survive? we should probably be able to do 250 bucks.

1:42:01Probably not. Diapers are expensive. How much is a month of diapers for you? A month of diapers. Probably close to 100. There you go. 250 is fine. But I also have to. Your TP fund. You don't need all this makeup. Outside of formula, I have to also buy formula though. For a second. That's in your grocery. I put it in there. Didn't you just put the food stamp fund though? No, I did 400 as food stamps and then 400 of you goes to it. Okay, I thought you meant food stamps. Boost mobile. It was like 11 bucks. Yeah. Okay. Car insurance. How much? None. None. I don't have a car. That's right. So no gas.

1:42:31What about transportation with Ubers or bus? I don't Uber often. I normally take the long road and walk it. That's good. How much do we need to contribute a month? Let's say for emergency purposes, let's call it 50. Yeah, like 50. That's it? A month? Yeah. That's not a lot. Okay. Rents was what again? 14. 14. And then all utilities, including internet together? We don't pay for internet, do we? Yeah. No, we do. We didn't pay internet. Yeah, we do. I would say close to like$400 for everything. You guys are... Yeah, because I pay internet, I pay insurance, I pay like the electric bill. Render's insurance is$20.

1:43:10What are you talking about? It's not. It's like$30 something, but it's included. I'm going to assume your student loans, minimum repayment will be$150 if you get on the RAP plan. What kind of plan? RAP. It's made just for you. Just f***ing take it. Repayment assistance program. All right. So we're playing the racial and racial... No, no, no. It's called RAP. It was formerly known as save, but now it's RAP. They go off of your income on how much you can pay. Saved in the blood, wrapped in the blood. Okay, got it. And we looked at you and knew you couldn't save, so we turned it into RAP. $412 is your debt minimum payments, most likely.

1:43:46Medical health care. Are there copays and stuff? I'm sure you're on all the benefits and whatnot. I pay$20 something. Nah, it comes directly on my check. Yes, but I'm talking about co-pays, like afterwards. Medication, stuff like this. Right now, me and the baby are the only ones, so no. No, nothing. Because worse, I'm still on pregnancy medication. I'm starting to do$40 on subscriptions. I'm on pregnancy medication. Shut up! $40 on subscriptions. You really have to pick and choose what they go towards now. Do you have any pets? Yes, but they're too old for insurance. How much for pet food? Like$40 a month.

1:44:19Yeah. Anything else that needs to be in this budget that I have not put in, guys? This is going to be really difficult. I don't think so. No, you got all the... Nope, yeah, I don't think so. I don't think so. Yeah, just the boys with their food. Yeah, their food is like$25 a swing, and that's like a month-ish. Yeah, and even with this, they're still obviously underwater by$600. You need$3 ,005 just to survive basic minimums. Here's the reality. You are curating your resume. Do a resume builder. Help with AI. they will review. Making a good resume is easier now than ever. And you're applying to every single job that exists in this world using your four-year degree to get any job that gets upwards of like 25 bucks an hour at a minimum now.

1:45:07You are doing that. You need to make more money. That is your second full-time job is finding a better job. And then you're going to be working two jobs. So until then, you need to be working 80 hours a week. It's just as simple as that. You need to go pick up whatever job you can. I don't really give a shit. You need to be a provider. And here's the reality, in your area, in a larger metro like that, you will likely have child services that you can take advantage of. It's your income situation. I can, but I won't. Huh? I won't put them in child care. Okay, then go f*** yourself. No, you don't get it.

1:45:33Like, I worked in child care for so long. They're so bad. You are going to lose the roof. I can work from home and be fine. I am willing to do that. I've tried. No, no, no. Pause. You need to listen for a second. Mute her mic so she can't talk. Thank you. So now you know you can't contribute to this conversation. Not that you were in the first place. The reality is no one can hear you, so you're just talking to yourself, the reality is you are going to lose the roof over your head of this kid. Now you say you can work from home. Here's the fact. Work from home jobs are the very small minority now.

1:46:00And also you don't really have the skills and qualifications that's going to put you ahead of the front lines anyway. Like you just, like you don't. The fact is you need to go get a job. He needs to be a bigger provider. Don't get me wrong, but I would, I, it's not that I do not want your kid in childcare. I'm not saying that. I would rather you take care of your kid, but I I would also rather your kid have a roof over his head and food on the table than have his mom stay in a home. Okay? I choose that. So, unfortunately, for a temporary basis, he needs to go get a second job now. McDonald's, I don't give a shit.

1:46:35It's anything. Because you have to make the minimums. Right now, we're not making the minimums. Who knows how long mom's going to support, but eviction will be coming. You'll be f***ed. And that's it. That's it. Those are your options. Bankruptcy's not going to clear this shit. Your minimum payments aren't even bad. Your bad ones are student loans, and that's not even going to do shit because bankruptcy doesn't get rid of it. Okay, we have a crazy thing to talk about in the post show that we couldn't talk about in the main show, guys. Like, actually insane that blows up this entire relationship that happened from her end that she didn't want to talk about in the main show.

1:47:08So get ready. So join Hammerly, but let's get your Hammer financial score. Spending in a budget overspent, obviously, 0 out of 10. debt collection zero out of ten emergency fund nothing zero out of ten retirement drained at zero out of ten actually emergency fund is two thousand so i i will give that for the household a one out of ten today with the kid and everything real estate zero out of ten rounded up hammer financial score point five out of ten get yours at calebhammer.com now click the join button join hammer lead best membership on youtube where you get three premium shows six days a week it is incredible this is about to be an amazing post show you have no idea watch the teaser now see you there why are they just talking like you cheating on me what the is going on here it's not a revenge thing because of his AI.

1:47:46Like sometimes my ex that I also give money to just like hangs out with us. You have a baby. You know, we don't have a car. The ex comes over. The ex. Don't forget the summer budget reset is now live. Get a full year of dollar wise premium plus my four best selling educational courses and a digital copy of my budget friendly cookbook and My exclusive 30-day meal plan signed by me and mailed directly to you. This is a better deal than we've ever done before, and it's only for a limited time. It is 67 % off everything. So don't wait until that first pool party to get financially ripped. Click the link below.

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