Financial Audit’s Dumbest Couple Ever

39:07And I know you don't pay off that credit card. I mean, look at the progress you've made. It's been no progress. Okay, so this discovery is yours. You pay this off every month? No, obviously. Okay, well, it looked like you paid it off last month, but then you purchased money on it. Oh, I did. It's a 401-66. So you actually paid off a card, made success, and then you took it all the way up. So what the f***? Why? Is that the cat box? The robot? The$300 litter box for my cat. Um, no, that's not that. As someone who's found a second home here in Texas, at first, I didn't think I could pull off a classic pair of boots.

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41:02Tachovas dot com slash hammer. See site for details. Tachovas, point your toes west. That was just like last week. You paid off a credit card and now you say you didn't. So now we racked up$401.66. Why, after making actual progress, would we go into a hole again? Well, because I had the money available on that cardigan. I paid it off. so I'm like hey$0 on this one oh no she's just as bad she just presents she just presents better oh for f***s sake oh so there is no hope here what are you giggling about I think you just giggled through this world yeah it's just funny what? your financial misery is funny?

41:48yeah it is you gotta laugh at it sometimes you gotta find the humor in everything I mean, your glass is half full. What glass? What are you talking about? You guys owe debt. Where's the emptiness? I don't know what the fuck you're talking about. The emptiness is that, but that one's got like a$13 ,000 limit. And it's only$400. You owe a debt though. At 25.49 % interest. But this glass. Hold on. Wait, what? Wait, hold on. Hold on. Shut up. You came on here to figure out if you guys should move in together, right? Yes. Why are you sitting here and fighting about that? You know that would be wrong.

42:24Well, you're yelling at me. Stop being a f***ing moron. Yes, I know. People are confused why people get put in. They're getting their first pushback, real pushback in their lives. It's a natural defense mechanism, but don't be a dumbass. We can't have two in the relationship where you guys are going to crash and burn. True. I mean, we'll figure it out, right? That's not how this works. He hasn't paid his rent, and you had to pay for his rent. Only a portion. Okay, listen, I don't even know how much debt. I don't even know how much debt, so let's find out. The total household debt? Yeah, we're looking at$98 ,359.56.

42:59So, f*** you. Figure it out. That's what you figured out led to. So, I don't know what the f*** you're talking about. And neither do you. So, stop being an immature little brat. Yeah. It's McDonald's. It's Amazon. It's Amazon. It's bulls***. Yeah. I mean, I don't know what I spent on Amazon. Fine. Open up your Amazon app and I'll tell you. Oh, no. Okay. Let's see. What'd you buy? I don't know yet. She doesn't know you don't. That's why she's opening it. For f***'s sake, how have you made it this far in life? I don't know, man.

43:36So, I got a new phone case for my new phone. Okay. It's a nice case. Yeah. Start. Oh, this is an Android. I don't know how to start a screen recording. They're superior. She got a phone case. Yeah, except you can't start screen recordings easily. new phone case cat food a little mop thing because probably didn't have any other way to clean a floor yet it's the spinny one i wanted congratulations did you not have a mop or any way to clean the floor i did but i didn't like it you have debt i don't care i don't give a you have debt you also got some chicken flavored pet food a thumbprint fingerprint ink pad stamp for a notary you're a notary you're notarizing what are you not yeah i had to get my notary license for work and so why'd you need this what oh because on the book it asked for the person whoever's signing like if i was notarized document for you you have to put your thumb but you had to get it for work you actually do notarize yes okay work wouldn't cover that they paid for my license they paid for every i got reimbursed for it um dog poop picker uppers that's good ethernet cables So many Ethernet cables.

44:42So that was for my office. Well, because I bought the wrong one. And then I couldn't. Yeah, but you still got two more after you returned the wrong one. Well, it was the Ethernet cable. Dog calendars. It was for my office at work. Oh, wait, sorry. This is fleeing tick prevention. That's good. Yeah. I need to take care of my dog. Oh, yes. Which is why I didn't push back against it. He's 10 years old. He's nine. Don't be mean. I'm not. He's very old and sick. Don't call him. He calls him Skeletor. He had pancreatitis. He lost weight. So now he's a skinny old man. She spent a lot of money on pets before.

45:19Oh, that's actually probably part of the balance on one of these cards. Like thousands and thousands of dollars. I have too. Do you have pet insurance? No. You want to be able to get it for him now? Not a credit card person. This is beyond clear. Again, just like every guest on the show and many people in the audience, use the Fizz card. It's a debit card. But it actually builds credit and you get the rewards. It just connects to your checking account. You can't spend more than you have in your checking account. You need it. You need the extra railings in life. Okay. Who has a capital and savior?

45:51That's mine. Okay. It's all you so far, which again, you were supposed to be the responsible and I was at least picking up the beginning. I just have more credit cards. Yeah. Those are good. Yeah.

46:06$727.77 with a minimum payment of$25. dollars no purchases only made the minimum takes four years to pay off interest is accruing you're only paying the minimum but we got all that on amazon and went out to eat as well our priorities are you say you want to get a house what house are you getting you can't afford to get a house you can't afford to do anything put everything on credit cards that are getting maxed out what are you talking about house what house would be in your future your credit score can't be great what's your credit score mine is like 650 6 great so yeah what house are you getting what kind of good mortgage you're getting.

46:38You're going to get good interest rate. We're just going to balloon your minimum payment. What kind of down payment are you going to get? What's in your savings right now? $4 ,000. Okay, so what house are you guys getting? Are you going to FHA? It would make your minimum payment even more substantial. So all of a sudden, your minimum payment is going to be like 50 % of your take-home. Well, the house won't be for another few years. We'll have time to save up money. A few years has gotten you into 90, almost$100 ,000 in bad debt. What's a few more years of your guys' pattern spending $8 ,500 as a household when 5 ,400 came in.

47:09A few years? Yeah, a few years you guys are$175 ,000 in bad debt. So I don't know what you're talking about a few years. What few years are you talking about? I mean, five-year plan. So within the next five years. Yeah, what's your plan? Because again, your plan was paying for him for his rent and now he's breaking a lease so you guys can get into a place where you don't even know your financial situation. You didn't even know his financial situation until you applied for the show yet you were deciding to get on together. Yeah, I mean, but it's going to be cheaper in the long run when moving together you are just assuming it all works that is how people end in a position because they just assume everything is going to work it'll work yeah it'll work out

47:54it'll be cheaper I'm going to preemptively get you guys three free therapy sessions with Sondermine they're the people I use but you guys should do a couples therapy preemptively when this inevitably blows up because there's no way it doesn't. You had a late fee last year. On mine? You're moving in with someone and getting it on to at least someone who has a late fee. Meaning sometimes she's late on her fucking bills. No, I happen to. That's a, you know what? You guys actually aren't perfect for each other. It was just one. I think that's the only late fee I've ever had. If you have a late fee, you're f***ed you're dumb with money and it just happened so I don't care okay if you say so what do you mean if I say so it just happened it's the only one I've ever had but it just happened if the only one you ever had was a decade ago I'd be like okay you learned your lesson it just happened so that means you're getting worse if it's the only one you ever had and you just had it it was only one though and it just f***ing happened yeah so that means you're getting worse i think it'll be fine it was just one it'll be fine what a cope what a cope what a fucking cope who has the damn apple card i don't have an apple so finally made it to mr william yo 1 661 and 22 cents with a minimum payment of 259 dollars yeah no way you pay that that's impossible you have to be late there has to be late or else because it wouldn't be that high okay well you know you're not purchasing good thank goodness i don't think you can you're probably maxed out interest charge 391 variable interest rate where right now we're at 26.49

49:46it has to be over right under minimum oh you're past due 205 dollars yeah yeah so this is the person again you want to get on a lease with he has passed due eight payments yeah it's eight payments you that's who you want to split expenses with how is this not getting through to either of you you not understand if she has missed payment you have eight and you want to literally allow the other person to be on a lease with us that could f*** our credit. I mean, we're going to work on it. I mean, we're going to work on it. All the cope from this woman. That is not funny. I know. That is not funny.

50:31You guys are a disgusting mess. Financially, yes. Yeah, financially. That's all we're talking about. Yeah, I mean, I would pay it if I had the money. I know. You moved into a rent you couldn't afford. They called me like every day. and I just ignore this all. Shut the f***. You chose to move into a rent that you cannot afford. I did. So this is your choice. It's not just because you don't have the money you got into a rent you couldn't afford. You could have got a small a**hole studio. So shut up. This isn't out of your control. This was you. You did this. You could have worked extra hours somewhere.

51:05If you couldn't work overtime at that other job you'd go get a second job. Yeah. There was a point you considered getting a job. I did consider that. Well maybe we should have because we're eight payments behind on this and we couldn't pay rent and we had to do our, honestly, relatively new girlfriend had to pay for our rent. Yeah. Not ideal. It was only a little bit. It wasn't the whole thing. He still needed you and he says he's borrowed from family. He said that earlier. Yeah. Yeah. He did say that.

51:39Who has the Quicksilver one? That's mine. I have a Quicksilver. Oh, no. Never mind. Mine's a$0 balance. Okay. Well, he owes$1 ,124.08 on this with a minimum monthly payment of$41. Okay. Oh, good. He's purchasing on a credit card that he can't pay off. That is accruing interest. That is over the balance limit. And you're getting a mortgage with him at some point? Someone who literally is over the credit limit on two cards? and what you the you guys live in fantasy land you guys live in actual fantasy land well he needed the money at the time right so the money here well yeah he had to spend the money on the card because he needed the money he had it available in the credit card she fully enables him you are okay with this oh you guys and you laugh about that what do you mean it's for Taco Bell Einstein Bros and going in a gas station and getting a drink or some dip.

52:40He needed to eat something. Oh my gosh. She really does. You, I swear, I could have swore at the beginning of this conversation you were going to be the same one. I don't know if I'm going to make or do this one else. That's not funny. That's not funny. You guys are not cute. You're not funny. You're a child and she actually supports it because she was desperate to get with someone. That is how I'm reading the situation. I refuse to accept something else. I don't think it's like that. I can't see any other way. Why would she put up with it? Why would she in Naples. This doesn't make sense. Maybe it's because she's also a child she just presents as an adult.

53:18I mean, he had to buy food. So I don't know. I mean, you have to eat until it lives.

53:38what are you laughing at i am trying to figure out a solution to your actual stupidity there's a cookbook right here right here you guys get it with the budgeting map fucking music 300 hours a month each could be spent on food and you'd be perfectly fine yeah I need to go grocery shopping more cause I just don't plan ahead and then I'm like I just I have to eat or meal prep meal prep that's what you could have done I don't get this have to eat you had to go to the jack in the box or taco bell what do you mean I work weird hours I have to you can't pack lunch on weird hours I can I just you know he can't pack lunch?

54:23You said he has to eat. You're enabling that. I don't live with him right now so it's not like I can't. She fully enables oh you're just as bad. It's official. You're just as bad. You're just as bad. The fact that you allow that is just as bad. She cooks more food. Good. I don't care. She is actually saying it's okay that you did this. Even though it's a credit card that you cannot pay off. That is literally above the credit limit, woman. Above the credit limit. Yeah, that's not a credit. Man, it is above the credit limit. And you're okay with that? No. No. Really? Because you're trying to justify it to me.

55:03So what the f*** are you talking about? No. I'm just saying at the time he needed to spend the money. He did not need to. He could have meal prepped. What are you talking about? Yeah. Yeah? But he didn't. But he didn't. And that's what I'm saying. And you're saying it's okay. Do you not get that? It's above the limit. because I needed gas and if there's a dollar on that card you spent more going out to eat than gas. You spent more going out to eat than gas. It'll go over the limit. You spent more eating out than gas. This isn't about the... Yes, just on one purchase alone Einstein Bros was more than gas.

55:43Gas is like 40 bucks a tank. How is Einstein Bros more than gas? You spent$9.24 at the gas station. Oh, that was probably Zan's. Yes, that's what I was saying. Really? So you're dating an addict, too. Well done.

55:5928.74 % interest on here. What a joke. What a joke. Hey, so your big question at the beginning was, should you move in? No. No. And I could end the conversation there. I'm not going to for the sake of the episode, but honestly, I probably should. in a real situation. If this was just us talking on the street. But we're going to make the episode because we're sitting here. But the answer is no. The answer is no. You should not move in together.

56:35I mean, that's what you think. You came here to ask me. Are you... Yeah, I mean, that's your opinion. Of which you came here to ask. Yeah. So... it's not like is it broken? it's not like the truth I'm just saying but the logic I mean I hear you I hear you what was the point of being here? so the logic behind it though get a plan for to get out of our mess we made she came on asking if you guys should move in together you're saying to get a plan? right is it realistic? no but okay but hear me out so if we get like a rent that's 18 even 2 ,000 I'm thinking worst case scenario$2 ,000 right that's$1 ,000 for each of us but he won't pay his Apple bill for$50 a month but he'll have the money because his he'll spend the expenses that's what he does well he said he quit so he didn't have the purchases so that's also someone you're moving in with is someone who's lying to you and you're going to accept it because you're desperate no no I'm not desperate I think at the end of the day why else would she do this he's a good guy like power or something like I don't know why else someone would want this I don't get it I mean if we have extra money we can pay our bills right none of this is sinking through to them and he laughs after everything he is an actual little child who has the Cabela's Club that's a good one who is that is that you yeah what are you getting guy what are you getting uh i mostly gas on that one um 495.58 owed with a 27 dollar minimum payment 500 credit limit so you're already there you're lucky you made the minimum monthly payment didn't make any purchases it's maxed out yeah it's basically maxed out you had a late fee last year not surprised i mean close to surprised are you surprised i'm not no but you don't give a either way so i do you have no you have shown no indication of that how is it that people come on the show and then they're just like okay all right what is this what is this uh credit ninja loan oh it says from will what is this for that was for like a thousand dollars what was it for you to get it to pay my rent so i don't get evicted so this was a different month yeah so this was how many months in a row have you borrowed for rents in different spaces borrowed from different people I would say like four or five months oh my oh my oh no yeah

59:31you're gonna sign a lease of that person how many times can I say that and he'll have said it I don't understand these creatures I mean I do not understand these beasts get evicted or yes I understand that but you're putting yourself in a worse position because this takes away money from your minimum monthly allotment which makes it even harder to pay your rent meaning you get stuck in this infinite loop instead of you just getting rent that you can afford when did you sign this lease? March end of March so really you yourself paying this rent you only did for a couple months before you started having other people pay for it via loans or whatever yes Yes.

1:00:10Eight months. Yeah, I've been there eight months. No, you've been there 11 months. And you said you borrowed for four months. So 11 minus four is seven. She's going to try to give you an out and try to make you look better than you are in reality. That's what she does. So I figured once I make more money, I could pay the rent. You guys think that's your solution? You wanted to come on here and for me to reaffirm that that is actually going to work. That's what you wanted. Bad news. I don't think so, guys. I really do not think so. I really do not think so. The fact is you borrowed$1 ,000. You have a balance of$2 ,505.

1:00:58Well, isn't the rest of that the interest? Yes. You're okay with this? No. She's just like, isn't that the interest though? Isn't that all it is? Well, right. It just sounded the way. You're okay with this? $1 ,500 in interest, also known as a 500 % interest rate. 500 % payday loan interest rate to pay our rent. You minimum monthly payment,$420.

1:01:33and you thought that would be payable instead of adding that to your rent? So$2 ,505.60. It's not even interest that is added. It is immediately added at the beginning. You want to marry a man who takes out payday loans. I really need to hear this from your logic. Why do you actually want to be with him? Please, please, please. I mean look I think he needed the money at the time no he just needed the money at the time I don't think this is a long term thing that's going to continue I can't do that confidence because the people that do this are the ones that do this long term he popped out two babies with two women he wasn't married to owes them money which is also going to get taken out of his pay raise hmm

1:02:26i just think all this is temporary we just have to pay it down and then oh she's delusional oh my what do you guys can you please answer what do you want from me because what you have said so far is not aligning with the conversation we're having please tell me what you actually want okay so i make a payment towards those loans without paying the interest like towards the principal of those loans? No, I believe this was set up in a way where I can't. So I can't pay off the$1 ,000? No, because this is the current balance is$2 ,505. If you could. Yeah, because they loaned you$2 ,450. In reality, that's what they loaned you.

1:03:15I swear that was$1 ,000. You got$1 ,000 in cash, but they lent you$2 ,450. $1 ,450 of that being the fee What's the fee? Not interest on it

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1:05:21Your future starts right now and Course Careers is here to help you shape it. Yeah, it's a lot of money. Oh my gosh, guys. I think I see like a thousand more of these payday loans. Should it only be like three or four more?

1:05:41I think it's four total. Yeah. So three more. Just saying.

1:05:57You guys say it like it's nothing. You guys say it like it's nothing.

1:06:08I don't see hope. I don't see hope. I don't.

1:06:19This one's a little better. 160%. Finance charges $1 ,568. You borrowed$2 ,110. But the current balance, luckily on this one, because of that fact, is actually, so you made some payments towards this, $1 ,831. Op Finn You guys are Done He laughs about it Is this how he reacts to everything He's a fucking joke Are your parents still alive Mine Yes Will they accept this They No they wouldn't because they want your best interest Well Come on I don't know Come on. There's no way they would accept this. I don't talk to my dad. And my mom, I don't know. I mean, she lives in Fort Worth as well. But she's been supportive of some pretty relationships I've been in.

1:07:20So you know this is stupid. You know you just said that. You know your brain just said that. You know your brain just said that with you consciously thinking it. Absolutely. No. Is she okay with this? well she's been okay with relationships yeah so this one is better than those how and how how well this is going to end in a financial abuse no that's not a joke so i don't i don't know how you you you are you are coping you are in the honeymoon phase like none other because we've caught you early he's a cancer and honestly you're a cancer to him because you're just going to enable him forever no um i think we just you know we just have to get through all this stuff what the kind of cope is that that's not an answer lady you don't get through this the behavior that got him here in the first place that also got you here isn't changed because you guys move in together we just have to get through it that doesn't make sense you still have the behavior that got you there in the first place that is what you have to change that is what you have to change you did not The month you came in here and sat down, you spent$2 ,500 more than you brought in.

1:08:33$3 ,000 more than you brought in. $3 ,000 more than you brought in. Yeah, speechless. All right, Avent.

1:08:49Oh, it's bigger. $3 ,842. 31.08 % interest loan on this one Finance charge is$1 ,998.26 You borrowed$3 ,600 So your total payments will be$5 ,598 Your minimum monthly fee is what? What? What? What is it? 200 bucks Would he even know? Would he even know? Would he know? I mean I hope so You hope so but there is no confidence in whatsoever I'll put 200. It doesn't say on here. And I don't believe that saved my life. Also, I don't understand. With your rent and these minimum payments we talked about so far, you're already over. You've put yourself in a reoccurring cycle and you want to get with...

1:09:36I can't say that. I can't say that because I've already said that so many times. I will annoy myself if I wash this back. Do you not understand, though, that he will repeat this cycle with you and your money will get dragged into it. Your kid will be affected. No, I don't think so. it was just a matter how can you not think that how can you not think that can you explain to me how you could not think that because there is no way to not think that how could you not think that explain that to me how could you not think that how because he just needed at the time to pay his rent at that time he will always need this because he gets in the cycle so how would he not need it when he's with you how I don't know how he'd be able to afford the split rent anyway with these numbers so far i really don't so how how i just i don't know you can't answer you have no real answer because for some reason you are blind to him either you are honeymoon phase either you are desperate or because you're dumb i don't know which it's not ignorance you know the situation you saw it when you applied so it is one of those three it is one of those three.

1:10:48Pick the three. I don't know. That is for you to find out. There is no way. Best egg.

1:11:00He doesn't even do anything. You cook. He doesn't take care of his own children. He doesn't do anything. Well, he does take care of his own children. He pays all that child support. That's why he's part of the reason why he's in this. $3 ,534 balance on this. 20 % interest. Origination fee Mount given to you Finance charges Okay, you owe$3 ,535 Oh, that's a joke Then there's a damn upstart There's really just That one's paid off That one's paid off

1:11:35I'm pretty sure that one's paid off No?

1:11:42No? There's a current balance of 2076 What the f*** are you talking about? Pretty sure this one's paid off. Shut up. He doesn't know things. That's why I can't trust that minimum monthly payment that you had. Ah, this conversation's infuriating me. Oh my gosh. I'm such a like, with things kind of person when I'm infuriated and I don't even know what to do without breaking something.

1:12:07Upstart. I just, because I can't believe that you are allowing this and you are accepting this. You are accepting this. you are accepting this

1:12:23which it just it just like i don't know i don't know there's no way not to there's no there's i don't know i don't know i don't know i don't know i don't know i don't know i don't know break i don't know how the we get through this i don't know how you you guys won't survive you someone's gonna end up a heroin addict something's gonna happen something there's no I don't know I don't know I don't know I don't know how you guys

1:12:57I don't know I don't know how the f*** goes on current balance upstart 2076 how am I allowing this to continue whatever whatever minimum fee payment $109.42 What was the egg? What was the best egg minimum payment? Do we know? Where's the egg? $2.09.

1:13:36Is this one you? I don't think so. E-E-C-U. That's my bank account.

1:13:46oh my god what do you possibly owe 27 738 oh wait no that's my car a car at almost okay seven percent what is the car what is the car what do you have it's a 2024 toyota corolla hybrid 24 yes i bought it in october you owe 27 738 how much is it worth um i think it's like 24 25 but it's worth 20 okay 7 000 underwater yeah well when i traded in my old toyota it was i was upside down i had to get out of your underwater yeah and you always will be when you keep that cycle i don't want to finish this episode i want away from you guys okay just because I have a fear that your mental AIDS will infect me somehow.

1:14:43And I don't want that. I mean, she needs a car to get to work. I'm not even listening to you guys anymore. I did need a car. I don't care. Oh my gosh, your old Toyota was 2020. Yeah, but it was a rental before I bought it. So I got it like 50, 55. Oh,$50 ,000! 50 ,000 miles on a Toyota! Oh my gosh, it'll never last! It'll never last! It was starting to have transmission issues. Like, I could tell. Really? No, you couldn't. Did you take it to a freight transmission place? No, but... So you went and f***ing stupid this debt and rolled it over negative equity before you took it to a transmission place, which are free, to run a transmission thing and they'll try to sell you on stuff.

1:15:32But you can get a transmission f***ing test! Even if you paid for it, I wouldn't give a f***. You'd rather go into a$7 ,000 negative equity position on a... Because you have a$50 ,000 Toyota. A transmission fix would have been cheaper, regardless even. Not that I would necessarily recommend doing it. We would have to run the numbers. But even still, I wouldn't recommend doing what you did anyway. I just didn't like the car either. I don't give a f***. I don't care. You're in more debt now. Never get a house. Never get a house. Never get a house. Never get a house. Never get a house. Never take advantage of debt again.

1:16:08I don't know how the only

1:16:13thing that would lead to a successful end to your life is when he is playing with his choo choos you stand in front of one

1:16:24that would be instant death that's not good

1:16:31$487.96 minimum monthly payment oh i don't know seven percent interest you're not keeping up with the market normally i gift them a course career certification but i actually don't want to but i'm going to now you fine i was gonna say i would give it away to someone in the audience but no i i don't feel comfortable with not giving the same resources to every guest okay will money owed a family 4 ,000 let me guess for rent yeah huh yeah

1:17:12who'd you borrow from uh my sister and my dad your sister and your dad now did your dad marry your sister and she's also your mom no are you confident uh yeah 4 ,000 total together um no 1200 to my sister and 2800 to my dad so yes 4000 together yeah combined yeah

1:17:44you have a degree to do what you do and 150 to my little sister do you have a degree to do what you do no

1:17:56you have minimum monthly payments to them no i'm gonna pay him back when i i'm sure you are big guy yeah who owes 40 000 hours instead of loans well we know you didn't go to college yeah what degree do you have to sign leases um you don't need a degree to do that that was my um yeah so and it's not a bad job i'm just saying you have 40 000 hours in student loans for a degree you're not using what did you study um i actually switched majors several times so originally i went to school for vet tech and then decide that wasn't for me good um and then i switched oh let me see i think i was going to do a business major at one point i did a little bit of psychology and paralegal for like one semester.

1:18:49Do you have a damn degree? No. Okay. I dropped out too. I don't judge it. 40 % of people who borrow for college drop out.

1:19:04Hold on. Original total original amount was 29 ,000? Yeah, so this is something I don't understand. And so there's like, you know, it's broken up to like a million different smaller loans. And the total is that 40 ,000. But some of them, they say the interest is like 85 % or whatever. I don't. I don't know how to explain it. But like, oh, it's like balance paid off is negative 85 or something. I don't know. It's accruing interest. The unsubsidized ones especially. Well, I mean. Hey, what's your minimum monthly? Zero, because I'm in the income-driven. Yeah, that's going to f*** you. I know. Because that interest is accruing and nothing's happening.

1:19:51And guess what? New administration, not the biggest fan of the Department of Education. Guess who decides how these loans are paid back? I've heard. Would you like to hear who is the Department of Education? So, good luck, lady! You f***ed it! Your minimum to payment is probably like$450 if you start back up, which you could do if you're a responsible adult. You chose not to. You chose not to you chose not to

1:20:23Did you see what I'm talking about like I see what you're talking about because you never made a payment and it just accrues So yeah, you're get behind on it. Who would have thought that basic math worked? Yeah

1:20:37who has the damn discover card huh who has to discover oh it's a person no yeah it's a personal loan who has this who has the personal loan that's mine why the f you have a 22 personal loan of 5 412 and 44 cents okay so i think i'm remembering now so i can you think you're remembering yeah i consolidated some credit card debt and how'd that work and um how'd that work it made sense at the time oh did it because now all of a sudden you have a lot of credit card debt so that's curious i think i think the um the other one that i that you said i paid off well i thought yeah then you put a balance on it yeah 152 dollar 60 cent minimum payment go ahead what i mean i added up all like the interest and everything from the individual cards yes i would have paid more i really have to explain this how long have you been watching the show um it has to have only been okay you must not have heard it enough for it to drill into your system that is why i will tell you it is not a mathematical thing that consolidating is bad for someone like you mathematically you were probably correct i hope so you consolidate all of a sudden your credit card balances go to zero.

1:21:52What does that mean for someone that defended him having the ability to spend more money? No, no, no. I knew you were like, there's$30 ,000 on this card. I can spend the few thousand dollars. When it's zero, it means you spend it. You spend it. You didn't fix your behavior before you consolidated. So your credit card debt goes back up and guess what happened? It did! Oh. Guys. For fuck's sake.

1:22:25I just want to do this. I don't want to do this. I'm throwing a fit. Okay.

1:22:35You're not adults. You're not adults. This conversation is pointless. I wanted to answer your questions at the beginning. You came here to just have your opinion and what you thought was good to be affirmed, reaffirmed. and I'm not gonna because it's not f***ing true. No, do not move in together. You're strapping both of yourselves to a ticking f***ing time bomb known as each other. Don't get together. It's going to f***ing ruin your kid's life. You guys are horrible at personal finances. I can't speak for the other parts of life, but listen, you guys also have lots of kids with other people, so maybe you just aren't doing life well in general.

1:23:20I don't know what. What do you want to possibly say? And I have two. I know. Yes, that is what you said at the beginning, guy. And guess what? Three is multiple. Shut the f*** up. Several. Maybe several.

1:23:35There is nothing that can be done here, and I am not wasting my f***ing time with this bull. I am lucky that I have not had to end a conversation in a long time, but what the f*** is the point here? I am not going to talk to two morons who just wanted me to reaffirm their opinion. We're going to have pleasantries. We're going to record the fucking post show because that is my obligation as someone who has invited you here. But there is nothing productive to be done. There is nothing productive to be done here. You guys are literal dumb. You enable him. You allow him to be a child. You, how you've made it this far, I have no idea.

1:24:17I have no idea Everything here is a F***ing joke A joke And guess what we didn't even get to the spending statements And we're not going to Every single page is suspended At restaurants and bulls*** and zins And dumb assholes Instead of while we're behind on rent And getting f***ing Getting s*** from our family Yeah we're borrowing from our family We're relying on our girlfriend of only a few months Yeah let's do that and let's go spend our money on bulls*** You're a child. You are enabling it. You are allowing it. Well, you're also a child yourself at the same time. You just present a little more mature, even though equally you are not.

1:24:55You are not. Should you move in together? No, not a single chance. Should you guys be together? No, you're going to drag each other down into the depths of pain and suffering and misery. And it's going to ruin your child's life. This is a joke. This is a joke. I hope we have some giggles and bulls in the post show. But this is a joke. Hammer financial score. you haven't given that in a long time I'll see you guys in the membership if you join Elite I'll pay for it by giving you guys a thing just prove your purchase at members of Calebhammer.com and I'll give you a Visa gift card that can be spent anywhere what a joke make sure to download budget and you won't be a joke like them why

1:25:42what possible debt do I not know about So my former employer says I owe them back. You owe your former employer? Yeah. How do you f***? Why? Why? Why? F*** dollars? When did this come in? She doesn't f*** go! She doesn't even f*** go! Ah! To watch the Financial Audit post show, click the join button below.