Failed OF Girl Has $8.10 In Her Checking Account | Financial Audit

23:09Link in the description below. Sign up for time. Get that$350 right now in your checking account. I didn't know. He's standing on his principles. I didn't know he would just. Oh, my goodness. Have you guys ever had a conversation about anything important that you guys value? Or do you guys just f*** all day? No. No, I mean. I thought so. You don't really like to talk about personal things in any room. That's true. Oh, that's good. That's true. You really are a reserved person. Oh, yippee. In a relationship. That's great. I'm the most open with her, so she knows the most about me. So that's really telling that I'm pretty closed off.

23:48Uh-huh. I'm an open book. I'll tell anybody anything. You know, obviously I'll show anybody anything, so I won't tell anybody anything. So it just sounds like, I don't know, you're hearing and no one's had a relationship about, like, no one's had a conversation about where this relationship will actually go because I don't think we're aligned on anything that's actually critical. I really don't. You guys are just having fun. You're f***ing around. This is not a marriage, by the way. This is not a marriage. You're not getting into a marriage. There's no marriage here. You guys haven't even had any conversations relevant to marriage.

24:17Good luck wanting a marriage. What the f*** are you on about? What are you talking about? You guys are just having fun. You guys are like high schoolers having fun. 16, 15, whatever the f***. F*** in the car. That's all you guys are doing. I mean, it's not even a lot of sex, to be real with you. Okay, well, I'm not criticizing that. That's not what I'm talking about. But you guys are just having fun, enjoying each other's experience. Is that so wrong to do in the first half? In the first half. But when you aggressively want marriage with him, and we don't even realize the huge disagreements that we have, they haven't even come up until this conversation.

24:53Yes, actually, that is incredibly scary. And he's a hardcore anarchist. And you're a hardcore, like, upper left liberal. like authoritarian up. So it's like you guys worldview completely misaligned as well. This dude's far down your left up. Like that is a worldview conflict. He's freedom, freedom, freedom. You're, I'm going to cancel everyone's career the moment they say a bad word. So that's just where I'm concerned. Like, okay, what are we doing? Finances. This is separate finances, right? Looking at separate finances and your finances, besides not paying taxes, which I mean, that would already your entire financial situation.

25:31But either way, I guess your finances were relatively in order until she came into the picture. Sort of. Yeah, I'd say so. I was able to have a bit of a savings. And now it's completely draining the savings for her. She's draining you. She wants to get married. She's leeching on. She's drained your savings. Everything's. She doesn't have a. You're just happy that there's someone there, I think. I honestly think you're just happy that there is someone. I mean, you are cute. Someone attractive by your side. She does have a structured settlement. so I don't know if that's like... Well, was the deal that it's going to replenish you?

26:06No, that's not. Then what the f***? Yeah, we haven't talked about it. I've told you verbatim I want to put it back into the house. That's crazy that we've kept it. In the house, do you own a house? Uh, complicated. What the f*** are you talking about then? What the f*** are you putting it back into the house? What are you talking about? Get yourself a tooth. Two. What happened? What'd you do? They had cavities when I was a kid and they just took them out instead of filling them for some reason. I don't know why. Brutal. Okay. House? Yeah, we have a house. It's not. We have a house. It doesn't sound like it.

26:37It's not. Who's we? You've been dating since May. You guys aren't married. What the fuck are you talking about? I am paying the mortgage of the house to my grandmother who owns the house. And you're saying we? So we, you really are latching on and taking everything from this man, are you not? Come on, this is how I'm starting to read it. I'm not trying to just be anti-septom piercing, you know, because you have it as well. I pay for my own things independent of him, though. That's the thing. Bullshit. He pays for going out to eat. Oh, yeah. He pays for him to go out to eat. He does not pay for me to go out to eat.

27:09Yes, I do. When your food is taken care of other than a few groceries and the roof over your head is taken care of, yeah, you're right. You can get things independently because that's the biggest expense in everyone's life. I'm grateful. I'm lucky. I'm blessed. Yeah, why don't you chip in then? I can now. Now that I get my finances straight. What are you making? I was making like seven, no, like$6.89 a week before. I don't know what that total's up to. Okay, that's not that big difference. I mean, it's like an$800 difference or so. You could have at least chipped in, even like 25 % of your income.

27:44Also, I did not stop paying rent the entire time I lived there. He says he buys the dinner like 75 % of the time that you guys go out. Lies, literally lies. When we go out to eat together. Which is how often. How many times a week do I see you? a lot we see each other after we I get off work and after you get off work every night so post 8pm what's open post 8pm? I mean it's hundreds and hundreds and hundreds of dollars and miscellaneous bullshit alone is almost a thousand I mean bullshit spending in this household is I mean with other large purchases and unknowns I'm guessing it's about 2 ,000 bucks a month but it's like we don't go out to eat a lot together it's a lot of eating independent from each other so like his food money is probably equally Yeah, but when you guys go out, he does it.

28:26Or when you guys DoorDash together, he pays for it. I pay for DoorDash. No, you don't. Yeah, I do. You have my card on your file. I don't use your card. His card is on your file, dude. I don't use your card. I pay for DoorDash. I do. I check my finances. He said the app that I use to check my finances is a scam, which is crazy. You think everything's a scam? What is it? Literally everything's a scam to him. I just tried Rocket Money or whatever it's called to try and figure out all the subscriptions that my card had. And then it didn't do it. I mean, that's a very good, very good sellable feature.

29:02But in action, Rocket Money, honestly, at this point, everything else has gotten so much better. I used to support them. But at this point, I do dollar wise anyway. Listen, the fact is, Rocket Money, they're owned by Rocket Mortgage. What do you think they're going to try to sell you in the end? That's all I'm going to say about that. So scam, not going to say that. I didn't say scam technically. It just didn't work. It didn't do what I was thinking it was going to do. Yeah. Okay. But you think everything's crazy. I mean, you don't trust the government. You don't trust the government. You're full anarchist.

29:28I don't really understand that. You don't understand. Full anarchy is kind of crazy. I'm not full anarchy. I just, mainly all three-letter agencies are corrupt, should be abolished, should be rewritten. There's an attack on the species by a guild of psychopaths, and they must be defeated. CIA, FBI. No agency at all? Most three-letter agencies. NSA? You read them? No. I'd be a little afraid of having nothing. Well, I mean, right now it's pretty bad having any of them. Look at the world we're in right now. I'm pretty comfortable. Okay. Well, I mean, in general, obviously you get the headlines, right?

30:05The headlines are crazy. But in general, Americans have the best life that has ever been had in the entire history of humanity. And Western Europeans as well, relatively. I mean, it's a bit of a struggle in other places outside of Germany and Switzerland and Nordic countries. But it could be so much better. Sure, it's what everyone says, and then they can't actually give a proposal that has actual provable results from another place. Well, I could, but I think violence is the answer, and nobody wants that right now. How can you see? Violence is the answer, so what are we going to do? This is not a domestic dispute case, I promise.

30:39We do not—he does not hit women or anything. Pull the corrupt politicians from their mansions, drag them to the road, shoot them in the back of the head. How do you determine who's corrupt? You can look at that. I know it's hard because— There's paper trails. You know, I've gotten to know people behind the scenes from the craters through some famous people, even a couple politicians and whatnot. A lot of people are just people, and people subscribe so much more to them than it actually is. People are just people. Yeah, they're trying to navigate what they're in, but people think there's, like, these grand conspiracies.

31:09it's just like people are just kind of people man half the world is in it or half of america is in this crazy echo chamber of still thinking that well yeah the presidents and the government is like helping us and it's not at all i don't want to help me no i take care of my own shit stupid and they do they do think that i don't take from the government when i was getting taxes and i was like supposed to be getting money from the government shouldn't be them you don't even pay your taxes I'd be very upset. Well when I did when I had a job that was W2 and I should have been getting money I didn't want it I don't want the government I don't want anything leave me the W2 isn't that just you overpaid?

31:51Yes the money he paid the money he would be earning back. This is you getting back. Okay I don't want it don't f*** me I don't want the government dealing with me. I didn't get money back. It's money you paid it's not the government. I get that. You paid that. I get that. Also I would have just. It's you giving yourself your own money. I know that. I would have just set my withholdings to zero. So you didn't give them anything. That means you didn't give them anything. You wouldn't have given them anything. Oh. But you were giving them automatic what they thought you would owe, and that's where they would give you some money back.

32:18You were playing the system. And then you lost. Ah, well. You could have played to win. I mean, they would have f***ed you in the end, but... Hmm. And how does that conflict with the more authoritarian left? I... Like, if you guys are actually going to be together... I'm not saying that. but I mean just from the pre-production phone calls I mean we kind of just know where you guys stay at he's like hardcore libertarian we have more authoritarian left I'm not particularly political to be honest I don't really love politics I don't what about loving politics like my core beliefs are not very very stuck in their ways I'm very flexible with my mindset I'm always willing to hear people out.

33:03I know, but you were ranting about ICE for like three hours to Lindsay. Okay, ICE is bad. ICE is bad. Because what are you doing taking a five-year-old? Well, here you go. Now you see you have some passion. For five-year-olds getting kidnapped a little bit. Okay, so you got some passion. It's not like you're completely disconnected. No, I know what's going on. I form my own opinion about it. I keep it to myself. I'm just concerned because I just feel like how much of a match are you guys? That's what I keep trying to come back to. I don't care what anyone's political police are unless you're like a hardcore extremist.

33:32You're kind of extreme and you're... Seems like it, but yeah. Well. Hey, as soon as there's like a coup, I'm out there. Civil War, I'm out there. Coup for what? Things always get worse after coups. Things get more authoritarian after coups. Coups are usually military driven. It's like a military leader. You want the head of the f***ing army? Uh, the citizens coup, I should say, I guess. Remember, no Russian. Okay, so a revolution. Didn't that happen with January 6th and we saw how that went? That was staged. You think that insurrection was fake? Well, not entirely, but there was definitely like CIA, FBI agents.

34:13What are you talking about? Facts. You sound crazy. No, I'm not. Okay. You think January 6th is fake? Not all of it, but it was definitely boosted by the CIA to make it look like a bigger thing than it was. What? just telling you which actually it really sucks because I really do think that like if you do want to make a change in the world you do need to go to where that change is happening which would have been whatever the Capitol Hill or whatever but now I can't say that because it already happened and it failed miserably so that sucks I don't remotely know how to feel about that statement Which, thank goodness you came on a financial audit.

35:02Because I don't think you guys know what either of you believe or think or care about. And you're talking about marriage? Good the fuck. I think I've done my job here. You guys are high schoolers having fun. Kissing in the bathroom in between class. That's what you guys are doing. That's it? You don't know anything about each other. Anything beyond surface level. Can we be honest here? I think I know him more than anybody else. What? You're learning everything here. No. Everything. Everything about his actual beliefs and cares and desires. She just nods and says, yeah, baby, when I say that kind of stuff.

35:40And you want to do that the rest of your life? Forever? When someone just says something so crazy and outlandish, you just kind of have to. But without poking the bear. Do you want to be with Crazy? And he probably thinks you're crazy, too. Crazy loves crazy. I think it fits. Yeah, until politics get involved because people blow up with politics. We just don't really get political like that. You're a year in. I think both sides are evil for politics, like no matter what. That's true. I'm honestly kind of with him on that point. Like, it's all just bad. Like, I don't— Extremism is bad, but even still.

36:14It's all just bad. Huh? It's all just bad. Like, I agree that the three-letter agencies aren't great. I don't think the government really is out to help the common man. And I think it's out to help billionaires get richer. Like, I agree with that. Hey, we have the most progressive income tax system in the entire Western world, to be clear. Federal. Okay. Why is it not helping me? Like, why has the system not helped anybody I know? System, go get a better job. That's your choice to get the education you wanted. What did you get? What was your degree? I got an associate's in marketing. And that's the system's fault that you decided to get an associate's in marketing?

36:52That's an interesting choice. you have a little bit of agency. I'll agree there's some interesting things that like segregation stuff, not good. Government, system, bad, not good. You, you're in a position where you can pretty much do anything and everything. You have agency. I don't want to hear the system doesn't help you. Yes, in our capitalism, where our stock market is the best in the world, people get very wealthy with their unrealized gains. That is true in the ownership of companies that they start investing. That is very true. But also the median American has more disposable income than any other Western country.

37:25That means after all the necessary expenses, essentially healthcare, all that good stuff, okay? Disposable income, you got it all. The system didn't prevent you from getting a bachelor degree. The system didn't tell you you have to go work in card games. System, help you? What do you mean? You don't contribute. You don't contribute. If we're just being honest, system, if we're just being honest, you do not contribute to the tax. At least I pay my taxes. No, that's what I was saying. You don't contribute to the tax system in this country. No. You're part of the lower 50%, which is not a bad thing.

37:56That's not a shameful thing. But the lower 50 % that contribute less than 1 % of all net federal income taxes in the country. 50 % contribute less than 1%. We have the most progressive income tax system. How do all the European countries pay for all the good stuff? Bad taxes, sales taxes, natural sales taxes. That's a flat tax. That hurts people like you. Okay. That's how they pay for the good stuff. federal income tax. We have one of the most, we have the most progressive Western income tax. Okay. So system not helping you. We barely ask for you to do anything. You pay such a minuscule percentage and what degree you decided to get was on you.

38:34You're going to make me sound like the most right winger in the world talking about this, but you're just so beyond victim mindset in this. When I heard the system, why did the system help me? That's just the most backwards thoughts. I'm not blaming the government. You just asked why wasn't the system helping me? Not me specifically. Why are they not helping anybody? What do you mean not helping anyone? 50 % of our literal federal expenditures in this country go to social programs. 50%. Okay, let's say - 50%. Not helping anyone? 50%. So, I - And we spend more than we take in. I had divorced parents growing up, correct?

39:08That meant one parent had to pay child support. Let me fact check that real quick. Correct. That meant one parent had to pay child support, correct? How can that parent get away with not paying child support? per government orders. Uh-huh. And they just get away with that. Well, usually they get arrested for that. Was he working? No. Well, there we go. If he didn't have a job, he can't pay child support. But he would get a job. He was avoiding. They wouldn't. They wouldn't pursue if you go to the court. The court pursues these people like crazy. Absolutely. And they would get locked up 100%. And that should be the consequences of their actions.

39:38I agree. What do you mean? People get put in. We've had people on this show where their divorced partner or whatever or baby daddy is in jail for not paying child support. They're on the run. You can't just say that doesn't happen. I don't think anyone's going to argue that it's perfect, but I cannot let this conversation before we get into the finances come from the place of self-victimhood because we'll never get anywhere. You have agency. You have the ability to do things. There are some things that are shit. Absolutely. But the things you've brought up so far are not. You're barely asked to contribute to the pile.

40:09You get more than you give in this country. By far in terms of infrastructure and programs and whatnot, By far. And grass is always greener. Things look better everywhere else. But not even true. The top income earners in the UK basically make pennies on the dollar compared to here. Even though they get free healthcare. I know. Grass is always greener. So before you say, why doesn't our system help me? You've been given every opportunity. But it's not perfect. It's not perfect. But no one's going to hold your hand, nor are you entitled to that. I'm sorry. They didn't even pay me unemployment when I filed for unemployment.

40:49Like they literally denied my unemployment. You must not have qualified because it is not difficult to get on unemployment. They denied it several times. Okay, were you fired? Yeah. For cause? Yeah. Not for cause, but the owner of the business did not dispute my unemployment. Therefore, he should have been paying it out via the company, but they would not take the fact that I was fired. I'd like to look into them more. We totally can because it's a truth. But it is not complicated. I'll tell you that. It is not complicated. We don't give the highest amount in the world in Texas, but it's not complicated to get honest.

41:23I would have taken anything, but they gave me zero. Guys, what do we think our household, which I guess are we even going to be a household ever? I don't know, but our household financial score is zero to 10, zero being the absolute worst, 10 being the absolute best. Six. Four. You think it's pretty good? Pretty solid. Over than half. I don't know. Maybe. I don't know. Over than half. I pay my bills. Huh? I pay my bills. Do you? Because every time anyone has ever said that in the history of this world, there are late fees. Hopefully you will be the first to break the trend. No, I have late fees.

41:52Yeah. Why do you have late fees? Why do you say that? Because my account has been hacked, and then I got tired of trying to figure out which accounts had to go to what, and then all my auto pays got taken off, and it was just... You both have nice eyes. Well, thank you. If you watch your Hammer Financial Score, go to Caleb Hammer. Oh, you interrupted my segue, my little segue. Make cute babies? You're not trying to have babies. I'm not. Why would you say that? We both have nice eyes. That's what you say. Make cute babies. Okay. Continue with your segue. Calebhammer.com. Get your score. It is free.

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44:49The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. or 10 % off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. Well, I want to learn how you guys disagree about money, but I guess we'll probably get that as we go through. What am I looking at? Creditor accounts. That is my consolidation. You consolidated. So is this your finances gotten better by he takes care of all the bills and then you consolidated your debt? No, I did that way prior to meeting him.

45:25This was way prior to meeting him. I've been consolidating those cards for over a year now. Do you think it's not crazy that you're having to consolidate debt at 22? I do find it a little absurd, but it's the actions. It's the consequences of my own actions. You know, I definitely did do that at one point, and now I just got to deal with it, you know? Okay. How do you feel about this? You're taking care of everything. Well, she's finally taking care of her own shit. Only because of you. Well, your shit gets, and your savings go down. You're not caring? You passive? You a pussy? What's happening?

45:59Man, I don't know. I don't know if that's... I guess so. Really? You don't care? Your savings has been drained since she leeched on. It's more so... Well, she takes care of her shit. It's more so I do love her, and I do think that we're going to live together forever. That's different, though. Her money and jobs have gotten better. I don't want to say like I was the reason but I was a very good

46:34I kind of was the beginning of making her quit that shitty job with her shitty boss What? I thought you got fired I did but it was kind of a causation thing Okay Okay yes sure I get it but how much did you have in savings? At one point I had like 10k Okay, so she drained 10 and you're paying for all the bills, so she's taking care of her own things because you're here saving the day. This doesn't bother you? It bothers me a little bit. Here I am on this show when we're talking about it. What's your thoughts? Tell me. Let it out, man. You don't let things out. Let it out. What are you actually feeling thinking about this?

47:12Because you guys need to communicate about this or else this shit's going to be horrible for the rest of your life. I just want my savings to come back up a little bit so that I can buy fun little frivolous things again. I'd hope it's for an emergency fund or retirement, but okay, that's a start. Let's get savings up. I do agree. Why was savings drained? Um, rent, definitely, and then bills have increased. Because you're taking care of all of it. Because you see that? He was draining rent because rent was going, because rent was there to his grandmother, and you didn't chip it at all. Even 25%.

47:45You made enough to chip. Why is that not communicated to me? How am I supposed to fix the problem if I don't know what the problem is? Can you blame me? I passively aggressive say it all the time. And that's supposed to tell me exactly what I need to know? And sometimes she'll be like, do I need to give you money? I'd be like, no, babe, it's okay. Yeah, and then I offer and you tell me no. I'm sorry, what story are we portraying here? The one where you're just supposed to know that you should chip in a little. But when I offer, I'm told no. That's not true. You've given me like$300 or$400 a few times.

48:16I have. Right? What's your point here? So do you want me to contribute, yes or no? Yes. How much do you want me to contribute? Guess. How much gets you back to your savings or whatever? It would be awesome to have half of the rent paid. I can pay all the bills. Well, what is the mortgage? I don't know any of this. $1 ,500. What's the electricity? You know the rent's$1 ,500. No, I don't. Oh, yes you do. No, I don't. Okay, all right. I guess not. My bad. Yeah, rent's$1 ,500. I don't know how much electricity is. I don't know how much water is. I don't know how much any of it is. You've never told me.

48:48They used to be about$100 each or so. Now they're about$200 each. Okay. Do you want me to start contributing to those as well, rent and? No, if you could just give me$750 a month, that would, like, help. Okay. You guys have never f***ing talked. How do you not know what the f***ing rent is, dude? Never told me. What the f***? Never asked. But he's been trying. Okay, well, who's required to move first? I don't know. It would be nice of you to ask. but if you need help you need to not be passive aggressive you need to say I need help yeah you're pussified and you're selfish like why would you not offer or ask even what the rent is like hey what's the rent I'm curious you know I just moved in what's the rent like if I'm moving in I would be curious to ask what the rent is I mean I looked the house up on Zillow so obviously I knew how much it was there but I didn't know how much it was in actuality I didn't know if his grandma was taking any of that.

49:47I didn't know. How quickly did you guys move in? Two months. Is that maybe the issue here? Are you guys just speed running this thing? I mean, she's already ready to get married. I'm not ready to get married right now. Just in the future. In my mind, it was a better financial decision because she was living in an apartment that was expensive and they kept doing all sorts of bullshit extra. fees and whatnot. So in my mind, it was like, hey, I don't have to drive to her house every other day going after work to hang out with her. We can just go home to the same house. She can help me pay rent. Now we don't have to.

50:27Help me pay rent. Well. Why didn't you advocate for that then at that moment? Because at that time I was making the most I've ever made. So I wanted to be that guy that was like, you're fine, babe. Just hang on to it, you know. But I guess I didn't realize that it was going to be forever. I didn't realize it was not going to be forever. So consolidating all your debt before changing any behavior because you're not encouraged to because he's taking care of all the bills you don't need to know on a budget to save your life. Is this really a smart play? I don't know. It's$7 ,444.60 with 167 hours a month.

51:05Is this even the right play at this time? You immediately got into a situation where a guy takes care of our bills. How long were you single in between? Between him touching your nips with that other guy and... It was a couple of months. It feels weird. Feels weird. A couple months of single and then moving in after a couple months feels odd. Well, also another thing... Especially when all the bills are taken care of and you're never once asked to step up. Another thing when we moved in together is we both have a lot of animals. And taking care of those animals, like making sure we always made time for those animals, became really difficult when we were spending time with each other.

51:43That's true. So we wanted to combine our animals and make sure they were just all in one place where we could take care of all of them at one time. Four cats and four bunnies. Five cats and four rabbits. Five cats, four bunnies. Okay. Yippee, I guess. Sure. I mean, I guess we can find good excuses to move in quick. Decent excuse. Listen, your entire thing isn't just hanging out with him, though, and taking money from him and draining him and him taking care of all the bills so that you can pay this off. It's not just that. You've been bailed out from your structured settlement that you brought up earlier in borrowing inheritance money from your mom.

52:17You've never actually taken care of anything. You haven't changed any behavior. You're taking shortcuts all along the way from him, from his savings, from his rent, his roof. What is the structured settlement? I was in a car crash when I was about six months old and I flew forward in my car seat. Six months old? Yeah. I flew forward in my car seat and I cracked the entire back of my skull open. And basically, we weren't at fault. So we... I don't think you were then. Yeah, I definitely wasn't. So now I get settlement money. I get a couple, a good chunk every like third birthday or so since I turned 18.

53:00What's a good chunk every third birthday? And how long does it last? The last one, I believe, is when I'm 32 or something like that. And how much do you get? The very last payment is$32 ,000. every one before that is an increment of 10. And you have nothing to show for this. So you get 10 ,000 bucks a year, essentially. Not a year. I know, but you could spread it out. I can't. I can't touch that money. It's not physically available to me. I only get granted it. So what are you doing against it? You're barring against it? I just get it on my birthday. It gets deposited into my bank account on the birthday.

53:28So you do get it. So basically, you get 30 ,000 dollars every three years. No. I get, it was 5 ,000 when I turned 18, 10 ,000 when I turned 21. So it's ramping. Yes. and then it's going to be 15 ,000 is the next one, 20 ,000 after that, 25, and then the 32. And 32 is the last. Yes. Okay, but you're literally getting just free money for years so far. Because I was supposed to be. I know, well. Supposed to be.

53:57And you have nothing to show for it other than building up a lot of debt and then consolidating it and then borrowing from your parents? Yeah, just about. And this is what you want to latch yourself to, libertarian. The guy who has self-responsibility for everything. Yeah, but I can't change someone's mentality. Maybe a little, but not like their worldview. Good point. I mean, you should know that more than anyone. Your worldview is insane. I know. I just think that we're all human, so we all have flaws. And if this is a flaw, then I can live with it. But finance is going to run everything. Yeah, I know.

54:35That's why I hate this world. Money sucks. Yeah, but we do need a method of exchange. We kind of struggled with that as civilization throughout the history of forever. Dude, if I could just go pick up some shiny rocks and we could trade those. Yeah, they didn't work very well. I think it would be a better place again. Okay, yeah, let's go back to that. Why don't we go back to drawing pictures on stone walls as well to tell stories? It was cool. They used to do that by the fireplace. They'd do two different kind of images and then they let the fire crackle. You'd be at the end of your life expectancy by now.

55:07What? People didn't live long when the world was like that. Oh, yeah. Well. I think I'm happier now. Okay. Okay. We got a lot of microplastics right now. Either way, you're okay with this. You're okay with this? She has nothing to show for that. What about the borrowing from our inheritance? What does that look like? So far, it's only been as needed, so I had to pay. As needed? What's as needed? He pays for everything, and you make. You sell your cheeks. I had to pay off the apartment. that was charging me money. What do you mean charging you money? Yes, apartments charge money. Weird. Rent's odd.

55:42I had already planned on moving out. My lease was supposed to end December 26th. So she won't help you with rent, with both of y 'alls rent, but she couldn't even pay her own rent. She won't even pay her own rent. I was paying my own rent. That was part of the issue. How much have you borrowed from your inheritance? I want to say like$3 ,400. Yo, while getting this settlement, while draining his savings. I haven't gotten settlement money in two years. You are still getting more money than anyone gets for free for nothing. You're not as far as we know. So like, like, you know, you're just getting free money.

56:18Like, that's good. Do you understand what I am starting to see here, though? If my patterns don't change, then what's the thing? It's not just that. It's your entire, this is your identity. This is your, this is your life. This is how you live it. And you're dragging him into it. And he's too much of a cuck to say anything or do anything. Or a simp. I don't know. Not a simp. Not a cuck. Not a cuck. Simp. Not a simp. You're simping a little, dude. I guess to her, I guess, yeah. Strictly her. Well, that's what I'm saying. I didn't say you're simping to me. Well, usually it's just to women, I'd imagine.

56:51But I guess I am my girlfriend's simp. You're right. I hope you're not a simp for other women. That's what I was trying to say. That grip must be elite because you are giving up everything right now. Am I? Yeah, so you've given up her savings. We'll see in the pattern that she's done her entire life and not caring about it. I think also, because I've heard about her credit card situation, and there was multiple times where she was like, it's so much better now. And I didn't really ask her to elaborate. So I think I kind of thought that man like, oh, it's pretty much all better now. Maybe now, since she's not paying on her credit card, she can help me with rent.

57:29Good luck. But then that hasn't happened still. How much is in your inheritance? Because you should put that into a savings. I don't know. We're going to call the mom in the post show. So make sure to subscribe to Hammer Elite for that. I don't know. I don't want to know. I don't want to ask. That's not right. Well, I'm going to ask. It's not my money. It's not my business to know. Yeah, you're pulling from it. What is this moral masturbation that you're doing right now? You're pulling from it. Yeah, if my mom wants to give it to me because we have the ability to, then yeah, I'll take it. but I'm not going to take more than I can chew.

58:03But you don't even know what you can take. She would tell me otherwise. She wouldn't just let me take a million dollars. Okay, well, I'm going to ask and find out. Indigo, whose card is this? That's mine. Okay, well, you are over the limit by$155.94. Yeah, attach yourself to this. Fees charge, interest charge, four years to pay off with minimum monthly payments only without any purchases. Can't purchase now. You're over the f***ing limit. Bro, what is going on here? Okay, you owe$1 ,155.94. What are you doing? What's up with the Indigo card? That one... What have you been doing? Honestly, interest kicked my ass with that one.

58:44Well, no, if you make your minimum fee payment and you do not purchase, your interest will not put you above the limit. It will not. It was just for that... This particular instance of that card being over the limit, it was the interest that put it over the limit. No, unless you're purchasing, it doesn't. I was purchasing. No, no, no. There you go. Because if you make your minimum fee payment, a credit card is not structured to go above the credit limit. If you make your minimum fee payment, it barely moves the needle, but it won't go above unless you purchase to the max. And then the interest hits before you make a minimum payment, which is what you did.

59:15And now it's only going up because there's over the limit fees and it's getting, and you're not doing anything. Even though he's taking care of everything, you're not doing anything. No maturity, no sacrifice, no anything. You want to get married? You want to drag them into this? How's that fair?

59:59At least you guys aren't having kids 26 % interest rate. You gotta Why are you not bringing this to below the limit? If he is taking care of everything and you have the money why aren't you taking this to below the limit? What irresponsible behavior is this while taking money from your inheritance? What is this? This is a pathetic joke. You can take it below the limit in a snap of the finger. Even with your previous income. What are you doing? What are you doing? Why are you acting like a child? 22. Okay, so not a child for four years. So why are you acting like a child? I don't know any better about finances.

1:00:40I don't know any better. You're 22. You have access to more resources than anyone else in the history of humanity has had at 22. I've been using rocket money to help me. There you go. There's more resources. Again, I'd use it otherwise, but regardless, it doesn't matter. You have access to all the AI search engines. You have access to all the search engines. You have access to YouTube. You have access to any book, a library or not. You have access to... Huh? Liberi. L-I-B-E-R-R-Y. That's how I say it. Some people, like 50 % of people in Michigan say it like that. That's wrong. Okay. Huh? There's two R's.

1:01:11Girl, I'm not going to listen to someone that has that many holes in their ear. Ears. Yeah, but your left ear is extra special. Oh, thank you. You have access to more resources than any 22-year-old has ever had. Did you hear? First report, first scientific study that has ever been done. Gen Z is the first generation to get less intelligent than the previous generation. In the history of humanity, IQ scores are lower. It's likely the phone. But you can at least use that to your advantage. The phone can give you any learning opportunity. You're proving the point. I don't know anything about finances.

1:01:46No one does. You learn it. You learn it. And it is your choice, but you're given more opportunity than anyone. budgeting apps success today like never before search engines, AI you name it, books, they keep stacking you don't get that excuse anymore, you really don't 18, I'm not hounding you at 18 but by the time you're 22, yeah, post college you should know something you got an associate's degree, you have skills I'll let you use the Fizz card instead of this card, it's a debit card that builds credit and when you want to make more money many people in our audience have used a course career certification to change up industries or boost their resumes do that that'll help you make more money so i'll get you one of those for free or you whoever wants it get it thank you stop this stuff man you have the responsibility to take care of you and the interest and fees that you're in are your fault not that i don't know anything about personal finances you know what happens when you learn you don't know anything about personal finances?

1:02:51Learn them! Right? Isn't that the answer? Listen, I will relatively almost excuse it if it's you don't even think about the fact that you don't know anything about personal finances, because then it's ignorance. Ignorance is bliss, man. But the fact that you don't know, that you know for a fact you don't know anything about personal finances, that's when you're just purposefully putting it off. You're choosing to not learn anything. And that's inexcusable. You don't get to take the victimhood at that point anymore. You don't. What do you think I'm doing here? I don't know. Who dragged who? He seems to be the one that wanted to be here.

1:03:29Because he's concerned about you. First? He applied second? Yeah. That's why it's separate? You guys are weird. I applied because she said she did. And then she didn't get on. I was like, oh, well, maybe I can get on. I didn't think I would. But here we are. Who has the freedom card? Oh, that's mine. That's me. Did you have this and a balance before you met her? No, I didn't have that. I got that three months ago. Three months ago, I was already f***ing going up to$347.33. It's rampant. I didn't even know he used that card. Mr. I Pay My Bill just had a late fee this f***ing month. On the, yeah, because I forgot about it.

1:04:04I forgot it's there. Oh, it's weird how that always works. No, I did. On time, he didn't. Yeah, I saw it late. An extra$40 got a... 40? On the Chase app, the app you use for your bank. Yeah. You didn't see it? Well, because you have to scroll down. Really? I usually just click at it to see what the account is. Yeah. And you just never— But also, it was something like I wasn't supposed to use, like,$300 of it or something in the first month to get a bonus or some shit, and I didn't. I forgot about it. Yeah, it's still your responsibility to set a reminder, put it on autopay. I don't know. Whatever you got to do, take care of it.

1:04:38Put it in your budgeting app. Otherwise, you do it, man. Yeah. All right, I just got to know. I will say this. You quit vaping. Okay. Yeah. Nice. That deserves a W. Yeah. It really does. Thank you. That's actually really big. Thank you. And that shows an indication of behavior that you can take control of your life, which is important. Right. What? I did start smoking cigarettes. I am so excited for you guys to finally get your hands on what I've been working on for a year, the brand new DollarWise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but let's be honest, that was on me.

1:05:20So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt Dollarwise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33 % discount for three months or take the annual plan for an insane 50 % discount. And with the annual, you get my budget friendly cookbook signed by me and my brand new 30 day detailed budget meal plan signed by me as well.

1:06:01Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below.

1:06:25Good morning. I've been looking forward to this for the last year and a half. Once in a blue moon, a game-changing paradigm shift takes the industry by storm. Financial audit has changed YouTube forever and DollarWise is about to alter the future of personal finances we know it. Ladies and gentlemen it is my pleasure to introduce the next big thing in budgeting.

1:06:52What are we doing here? Guys what are we doing here? What are we doing here? What is... what are we doing? Caleb, Caleb! Can you show them the new DollarWise logo? Introducing DollarWise Reimagined.

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1:07:34The old Dollar Wise is dead.

1:07:45For the first time. Why type that to me? Why type? That's objectively worse. Wait, what? Okay, I'm only smoking like one pack a week. It doesn't matter, dude. That shit destroys your lungs. Why go from vaping to that? I know the nicotine's lower, but like. Because I was. I was puffing on an e-cig for 18 hours a day, like straight, like every 15 minutes. Well, that's bad too. How about like not either? I'm addicted. Yeah, I'd rather use Zin though. Zin's bad for your gums. Yeah. Okay, he's destroyed his lungs though. That's worse. There is almost nothing worse to your body that you could do like smoking cigarettes.

1:08:23Okay, well, I'm doing it to wean off completely. Okay, that's what most people do when they pick up cigarettes. You smoke? It's working for me. I vape. Of course you do. What is wrong with you? Bro, you picked up six. Nasty. You make out with that? I do. She started it, actually. I don't kiss him for a while after he smokes cigarettes, though. You what? I don't kiss him for a while after he smokes cigarettes. No. He stinks. Yeah, it's nasty as fuck. You want to smell like that? You want to be that guy? No. But I'm also angry when I don't have nicotine withdrawals. Okay, nicotine done. Nicotine patch.

1:09:01Like, I don't. That's the point. It's not weighing in any way other than cigarette, man. Okay. Do the oral fixation thing. There's like those things that it's just like no nicotine, you know? Yeah, I have nicotine-free vapes because I've been on the journey to quit too. So we've been testing different things, patches, gum. I just smell the shit kind of weed apparently. Oh, yeah. Oh, and you pay for it all. That's great. Dude, do you pay for anything? What the fuck is wrong with you? I pay for groceries. I pay for insurance. Groceries. Dude, you're grocery spending? You're grocery spending? It was so small.

1:09:36It was so small that it doesn't even have a number next to it because we couldn't fit it in the pie chart. It was 1.3 % of the spending. I don't know the dollar amount because it was that tiny. I pay for the groceries. Let me look at the spreadsheet. I'll see it there. $87. It's Amazon Fresh is what I use for groceries, so it might just be put under an Amazon category, but. Why pay extra? I don't get it. What? Why pay extra? I don't get it. Pay extra for what? Yes, Amazon Fresh. You have to subscribe to Amazon Fresh or else you pay fees. It's just a regular Prime subscription. And Prime, but you have to subscribe to Amazon Fresh or else there's extra fees.

1:10:10No, no, no, no, no, no. What? It's just a Prime subscription and they deliver it to your door for free. Maybe it's different for a location. I don't know, but. Amazon Fresh has been the most cost-effective way to get our groceries. Even with curbside pickup, still, it is a fee added to an item that is hidden. You might still be paying more per item and you don't even know it. It's less. I've compared it to actual inside grocery stores. It is less. I hope so. Oh, so how much do we smoke weed, guys? It's fucking nice out. Who's trying to chill and smoke something loud, feelin' me? Every day, at least twice a day.

1:10:40What is wrong with you guys? In what form? Bong rips. Can we say that on YouTube? Yes, whether or not we censor it, I don't know. Rippin' that bong. Just... Kay. ...fully dominant. Like a shot. Gettin' pot-soned off the stinky, brinky, skunk, skunk. Fuck 12. Well, it's better than a f***able lunch or something when it comes to your lungs. I wanna get sponsored by Backwoods Cigars, man. And everybody send and tag backwards. But we are finding, like, listen, I was more pro-weed for a long time. Until a lot of research these last couple years have come out, there's not, well, one, just no positive impacts.

1:11:13But okay, you don't need positive impacts for something to be okay to do. But we're starting to see a lot more negative impacts. More negative impacts. Not like a heroin or meth addiction, but people's lives, like when they stop smoking weed, they do not find the joy in the things they do as much anymore. like those actual negative things that are happening brain development especially i mean there is a part of you're not a child to be very clear i need to make that clear but as your brain is still finishing up the last like one percent you can put that you really can i'm gonna make or break your life but it is important and also sedates it's just like there's a lot of good shit that's not coming out about it even like the wine one glass of wine now all we know that All the negatives still dramatically outdo any positives that come with it.

1:12:02It's just like, why? Why do this? And twice a day, you guys are kind of like. But we don't drink. You're closer to the addicted side, though. I could definitely stop smoking weed. It's what everyone says until they do. No, weed's easy to quit. I mean, compared to nicotine, like having the withdrawal to nicotine. No shit compared to nicotine. Nicotine is actually one of the worst. It's one of the hardest. That's what I'm saying. Weed is just so easy. Like, it's very easy to just make your mind up and go, I'm not going to smoke. Like, I hope so. And it takes more effort to smoke than it does to not smoke.

1:12:29Well, you should because it's not good for you. I don't think I'm going to give up smoking weed. I really don't think so. It's also not good for your budget. How much is spending? We used to get it for free. Used to. You don't. Used to means not anymore. We didn't get it for free. What do you mean you didn't get it for free? What? Why? What was that? Yeah. Okay. So one of my friends needed$1 ,000 to cover court fees to see his kid or something like that. So I gave him$1 ,000. and he was going to pay me back over time and he was also selling weed. So I was like, hey, bro, just give me$100 of weed every week instead and then that'll like...

1:13:04You understand based on how she's lived her life, she thinks everything's free? It's starting to make sense now. How much are you paying now per month or week? On weed? Yeah. It's like$100 every other week maybe, not even. Even still, that could cover insurance and whatnot. I pick for insurance. Car insurance? Health insurance. Health vision doctor. You don't get it at jobs? No, I don't. He doesn't get any. Do you get yours at your job? Well, then you don't pay for it. I do pay for it. It's extra. If I was just insuring myself. Yeah, you pay extra, but your company likely still covers 50, 60, 70, 80 % of it.

1:13:35I'm paying$300 a month for insurance. If you're paying$300, that means your company is probably paying like$1 ,000. I mean, still. How much are you guys paying your health insurance premiums on a monthly basis? A few hundred bucks probably. Yeah, something like that. And yet they still do that, and we're covering, I think it's 80 or 90 % of it. trust me you're not paying for it but i understand what you mean sorry i don't mean to just hard fun you i understand what you're saying but you're not paying in the private marketplace it's still 300 bucks out of her paycheck every yeah yes but that is very for two people that is actually not bad that is not bad full coverage it's for exactly that is not bad for two people oh my gosh okay i'm gonna move on i just don't think you've ever had any experience in the real world, I'll be honest.

1:14:27EECU. It's my car. My Mustang. It's your car? At a 14 %! You're a Mustang driver? What the f***? Why? Why? It's American V8. Now you care about America, but you hate the government? American built. Yeah, you gotta have some sort of respect for your country you live in. No, my mom had a Mustang growing up when I was a little kid and my grandpa worked at a Ford dealership, so I was always getting Hot Wheels and posters. Well, it's at 14%, and it's$8 ,887 while it's worth five. Almost $9 ,000 while it's worth five.

1:15:10Okay, at 14%. This is not good, dude. This minimum payment's also juicy at$584.01 as well. But only 36 months. That's why I thought it was decent. What do you have another car that you bought last year? and a motorcycle. What the f*** is happening here? Why do you need all this? Well, ideally it was to not drive the Mustang as much. Get rid of the Mustang. Get a better one when you can afford it. I don't want to. Pay off all your debt. I want that Mustang for the rest of my life. What is it? It's just a 2011 convertible. It's blue. It's awesome. It's all right. It's a car. Honestly, it's broken more times in our relationship than my car ever has.

1:15:53But not as broken as your relationship. Damn. It's only broken once. Twice. Wait, this is delinquent. What? Oh, f***. What does that mean? This is delinquent. I don't know what that means. You're not paying it. Or you're behind enough for it to be in delinquency. Oh, I think I've always had it paid. I think this last one I had to pay was an overdraft or something. You didn't have enough money in your checking account. It's not that. It was auto pay, but my account, my actual bank account, not just my card, got hacked. So then I had to get an entirely new checking account. And then... But delinquent, would delinquent only be one late fee?

1:16:33One late? I don't know. I can't see your payment history on here, unfortunately. You have credit karma on your phone? Credit karma? I don't know. No, he does not. I'll tell you right now. There we go. Who's Capital One Saver? Mine. Back to Megan.

1:16:57$568.69.

1:17:01Sorry.

1:17:06And you have a minimum of the payment of 18. That's not even that crazy. Why the f*** are you just paying this? I don't get it. It takes three years. This one's part of the consolidation. Okay. Okay. That's part of it. Okay. Oh, well, yeah, I mean, it was brought down to 1.9, so it's paying it through that, I understand. But you could just pay it off so much quicker. At a 1.9 % rate, I might not, though. Okay, whose cash app am I looking at? Mine. Okay, money from people. 20, 15, 15, 54. Just getting random money. Probably just food. Yeah, back and forth. Chase, who has$8.10. What is wrong with you?

1:17:46I don't have$8.10. He takes care of everything. No, it doesn't matter. You did it this point, and that's all that matters. This was literally a couple weeks ago. So your statement ended a couple weeks ago. Like, yes, it's always going to go up and down. But the fact that you let it, well, he takes care of all the bills down to$8.10 is f***ing madness. That is actually madness. Amazon grocery subscription. I told you. I told you. See? That's why it's free to you. Because you pay a subscription. I told you you have to have a subscription. I thought it was part of having crime. Oh, f*** off. What is wrong with you?

1:18:26$340 of fees last month? Wait. Oh, f***. Apple Bill, Prime Video, Dutch Bros, where we're getting fees. Going in and getting some bullshit. Selling out five bucks. Uptown Cheesecake, Taco Cabana, where we're getting fees. Bullshit. Apple Bill Chick-fil-A Go in a second It's a bullshit Burger King Overdraft Steam Games Where we overdraft And then overdraft And then overdraft Bullshit Bullshit Amazon Petco Amazon Amazon Zanets Mike's Bakery Strab Sites Streamlabs Oh for fuck's sake And what are you making off Twitch? I don't Uh huh How many followers do you have? Around 100 I'm not affiliate yet I haven't done the full process What the f*** Getting affiliate is the easiest thing in the world You stream like five days I don't have time I didn't have time to stream five days You don't have time I didn't Oh f***ing two jobs I didn't I don't want to get in that No you can defend me I'm working two jobs I did not have time to stream Doesn't sound like it I would get home I would be gone from 7 in the morning To 11pm How many days a week?

1:19:43Three

1:19:49There's seven in a week. You want me to stream five days a week? Yes! Welcome to streaming and content creation. Is that what you want to do or not? Oh, you are a child. I am transitioning into it. That's what I wanted to do. Transitioning into it? What the f*** are you doing? Oh, my goodness. Don't stream. Don't stream. Why? You don't want to see my beautiful face anymore? It's an okay face. I mean, unfortunately, you cover it in facial reconstruction, like piercings, but it's like. Facial reconstruction. That's crazy. Altering, altering, altering. Altering, altering, not reconstruction. It's like, what are you doing?

1:20:29You work three long days. That's what nurses do like eight days a week. And they get paid way better than I do. Yes, maybe sugar got a better degree. Welcome to the system. Didn't do it to you. You did it to yourself. Fuck you. You overdraft to yourself again so you get a Steam game. Dumbass. Mike's Bakery overdraft for your stream labs. Friggin' you can't even stream five days a week. You overdraft again. Do not do what I use for overlays on stream. Oh. You're overdrafted for it. That's madness. Child. Overdraft, overdraft, overdraft, overdraft. What the f*** is this? Leave. Leave. Leave. Run.

1:21:20Leave. Oh! A thousand dollars in overdrafts! Oh! Pull up your Amazon. What does overdraft mean exactly? She didn't have enough money yet. She still purchased Streamlabs and Steam games. I see. Amazon's all groceries. I'm not kidding. It's just groceries. Oh, let's see. Oh, let's see. Go to my orders. Givey, givey. I'm also going to look through your guys' text messages in the post show as well. I'm going to be pretty gay. That's what I want to see. Okay, yeah. Ben and Jerry's critical groceries is in the shopping cart. Groceries. Chargers. Poop. Cat litter. Scoop-free disposable crystals. Oh, I used to get those, yeah.

1:22:04Lots of disposable. These aren't necessary groceries, man. Cat food, bunny food, litter. Her iPad groceries for the household is Orville popcorn, the three rolls fly strips for the home, Xbox wireless controllers. That was his birthday present. You already got it? Yeah. Oh, okay. Okay, fine, fine. A pasta sauce. I'll allow that one. A candle warmer. Car charger. That was my mom's Christmas present. I don't give a f***. You're still purchasing a Pepsi. This isn't necessary to survive. I'll get you our meal plan I'll get you our meal plan You can also get the grocery list and our debt class That comes with the Master Your Money program Which you guys get for free But what the f*** is this?

1:22:48This is a joke Oh, what the f*** What have you done to your phone? It's all pink What are you doing in my settings? You know, snooping around You pay for dropout You actually pay for dropout I love dropout This is not as good as Hammer Elite, but I appreciate it They're good Nah, that's good. And iCloud Post, yeah, that's fine. Crunchyroll, don't need that to survive right now. So does that mean this is your checking account with$2 ,000? Yeah. Leave. Amazon, Appleville, McDonald's. It's still an insane amount of bullshit. Oh, yeah. When you have freedom and a bad car, which you should pay off the freedom, I'd just swipe out.

1:23:30Why are you bringing money up on there if you're spending your checking account that you can't afford? It doesn't make any sense. And also, just pay your taxes, buddy. Why get arrested? It doesn't make any sense. No, none of us like taxes. But, I mean, I'm sorry. You're not in an aggressive tax percentage anyway. Oh, good. It still sucks. I don't know. But just pay. It's the principle. Principle? What's the principle, though? I mean, you drive on the roads. You get the stoplights. If the government needs money from me for taxes, they can go to the church. There's billions right there that there's untapped.

1:24:01Okay, but the thing is, you still reap the rewards of living in our society. I was forced. You will get social security. You in any society, even in, I don't know, Uganda? Not to you, Uganda. I'm sorry, but you'll still get like taxes and roads sometimes. Like welcome to existing. I'm sorry. We didn't consent to it. It still exists. Uber Eats, PayPal, PayPal, Uber, Uber, smoke and pee, smoke and pee. Apple bill. Mental Mafia. The reason I'm not freaking out as much about this, and it is still aggressively bad, to be clear. One, he's not overdrafting. He's not taking money from other people and taking from their inheritance and, you know, getting piles of money every three years.

1:24:44But it's still stupid. You have a horrible car. You're spending money. You're racking up money on your credit card, and you've drained your savings. What do you drive? These purchases are stupid. Huh? What do you drive? Tesla. Oh. Your opinion doesn't matter, then. More American built than your car. Bitch. Isn't anyone an immigrant? South America. I mean, South Africa. Huh? Well, he is an American citizen, first of all, to be clear. His grandparents are from the United States, also, to be clear. Don't make me like, I'm not trying to stroke a dick of a man, but I will say it is fully built in America with American shit.

1:25:18That's true. Even the car parts that they assemble in America, usually for like Ford and whatnot, are made overseas and then brought here. I know that. Well, at least I'm not in a microwave. What is this? Technology progresses and you want to stay in 20th century technology? Yeah. It's like, what are we doing? You want to be in the cold box? Fucking dinosaur. Cold box instead of getting in the refrigerator? I want my car running on explosions of dinosaur skin from 2 ,000 years ago. I don't want a car that can be turned off remotely from 1 ,000 miles away by one button. I don't like that. I will admit to that part.

1:25:55Yeah, not the biggest fan of that. Probably a conspiracy, but also probably. Get in the game with the college-branded Venmo Debit Card. Wreck your team with every tap and earn up to 5 % cash back with Venmo Stash, a new rewards program from Venmo. No monthly fee, no minimum balance. Just school pride and spending power. Get in the game and sign up for the Venmo Debit Card at Venmo.com slash college card. The Venmo MasterCard is issued by the Bancorp Bank NA. Select schools available. Venmo Stash terms and exclusions apply at Venmo.me slash stash terms. Max$100 cash back per month. Probably also possible.

1:26:33Also be Juniors. Yeah, you go. Apple Cash, Dollar Point, Apple Cash, PayPal, PayPal, PayPal, Best Buy, Freddy's, DoorDash, DashPass. This is f***ing, dude. Yeah. And you're doing victory ministries anyway. I don't know what that is. That's the banana bread. Oh, shit. Yeah. Homeless people, stupid. They're not homeless. They're crack addicts. Recovering crack addicts. And their banana bread is good. It's good. You didn't even eat it. It sounds church related. It sat on our counter and it rotted away. You didn't even eat it. If it's ministries, it's probably church-related. Ranting and raving over there.

1:27:01Yeah. Apple Bells, smoke and peace. This is so f***ing stupid, dude. You have a horrible debt. You're building your freedom card up. Why? Pay it off and stop spending your bullshit and build up your savings. Now it's kind of on you. The whole thing about - Dollar point, Uber Eats, Uber Eats. You've also had an over-traft this year. So f*** off. You are being a dumbass, dude. I don't f***ing know. Okay, who has 6 ,000? Okay, so at least you have this, but you're definitely dramatically behind in retirement. I mean, you need to start now, but you need to pay off your debt first. Guys, I don't understand.

1:27:31I don't know why you're together. Do I budget this household together? Probably not because you're not going to be together financially. So it's like, what am I even doing? I don't know how to do this. What do you want from me? Well, how do you think we feel? No, no, no. What do you want from me? How do you want me to structure this? A budget to where I can see. As a householder? As a household. Yeah. Yeah. Okay. Okay. $7 ,800 That's your income I don't know Is budgeting as a household actually makes sense for you guys? Is that how you're gonna do it? Is Mr. Man gonna Have that happen afterwards?

1:28:15Your minimum monthly debt payments are $910.01 What's the rent? $1 ,500 We're struggling because of that with your guys' income It doesn't make any sense Okay. Utilities. All utilities, including the internet combined. About 800. That's pretty intense, but okay. Car insurance? 250. Together? No, separate. 250 plus? 197. Gas, vroom, vroom, drive, drive, together. I get gas once a week, and it's about$22 to fill up. You? Mine's about$40 a week. Okay,$248, car insurance$447. Home bill? My mom pays for mine. Of course. I don't pay mine either, actually. Get helium when you do because T-Mobile is definitely good in that area.

1:29:09Uses those towers for a much cheaper service. Necessary food should be able to do$600 for the house. If you find anything else you guys need to survive,$250 should be good. It is tampons, all the goodies, makeup, whatever you need. Medical health care, co-pays, how much? I assume you're an aggressive amount of therapy. $30,$50,$75. depending on which visit it is. Okay, well, are there frequents throughout the month? You're not in therapy? I go to the doctor once every three months, and that's$30 copay. I'll just put$10. Is there a gym? No. I have a gym membership. How much? $20 a month. What the fuck do you have a gym membership for?

1:29:45I've always had one. You've never stopped putting a gym ever. It's emergency. I used to. You've never went ever in the entire time we've been together. Okay, subscriptions output,$40. Pets is five cats. Are they on pet insurance? No, not yet. They need to be. They do. I'm going to market it about$250. How much for pet food? A month and care. Oh, God. All this shit. That would... Litter, all that good stuff. I had to guess. Yeah, round it. Cat food, I buy like one bag every week. So that's$16.99. And it's probably like$30 for the bunny's food. A week? Well, they get... Just what do we think on a monthly basis to take care of them?

1:30:30Probably like$150. Okay, cool. Anything else that needs to be in your budget? I put$40 for subscriptions,$250 for pets, for pet insurance, and then$150 for pet food and litter and all this stuff. Anything else that needs to be in your budget?

1:30:49Is there like any overhaul to be able to do like accident emergencies? money, like money set aside for... Well, yeah. I mean, you guys should save up like a one-month emergency fund before you start paying off debt or your highest deductible. Okay, let's see. $5 ,225. This is only with combined, though, because it only works if you combined, honestly. That's where we have a lot of money left over. Let's just round it to$2 ,500 left over on a monthly basis with our debt. Listen, IRS, we do not know you need to take care of that. Get on a payment plan immediately and pay your penalties and interest.

1:31:20Do not go to jail. Like, why the principal is not worth jail? I just don't understand. Jail's not fun you pay off that in seven months guys this isn't bad pay off all the dead in seven months get a fully funded emergency fund which at that point will be about

1:31:36the household 25 000 which takes oh like six more months so it's just like that's a year and a half i mean you guys are 100 set this makes no sense you're being stupid but you need to figure out the irs you need to stop relying on the people you need to chip in here and you guys need to budge together and communicate and more than anything you guys need to figure out if you're or even life partners. Not even life partners, but partners. Especially before you combine finances, because I feel like you guys don't even know each other yet. This is weird. It's surface level, and it's weird. Listen, in the post show, I'm going to go through their tech, see if they have any fights in there, see if anything juicy's in there.

1:32:05We're going to call the mom, talk about the inheritance. And maybe someone will get pierced. We'll see. So join Hammer Elite. Make sure to download DollarWise and get your Hammer Financial Score at CalebHammer.com. Now click that join button. Join us in the post show in Hammer Elite. See you there. What? But I'll also get the Hammer Financial Score, won't I? Spending in the budget. You overspend 0 out of 10 that month. Debt? The whole IRS, 0 out of 10. Emergency fund, nothing in savings, 0 out of 10. Retirement dramatically behind, especially both of you combined, 1 out of 10. Real estate, 0 out of 10.

1:32:33Because you're not on that title, right? Right. Okay. So, Hammer Financial Score for this household is 0.5 out of 10. Click that join button. See you there. These are texts between me and my friend during the argument. He basically said that if I gave him a b****, he'll forgive my debt and pay me for the extra hours I work. Did he actually say suck my dick for money? It was like an idea I was contemplating with and he was just flat out like, no, if you do that, you have no self-respect. Should we call the mom? And may I ask how much is in her inheritance? So I got about dollars and I've spent on her probably close to so far.

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1:33:39Don't miss the opportunity of a lifetime. Download DollarWise to start your free trial. Go to DollarWise.com or click the link below.