Financial Audit's First Affair

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26:24Half the days? Half the days. I work two jobs. So when I go to one job in the morning and I'm there at five o 'clock in the morning and then I have to be at my second job at one and I don't leave my first job until 12, I go straight from my first job to my second job and I don't have any food in the morning other than what I can make at my job in the morning. So then, yeah, sometimes I do have to buy lunch. Here's a little fun fact of the second job you have that brings in$1 ,400 a month. A thousand of it is going out to eat. You are working so that you can go out to eat, so that you can work, so that you can go out to eat.

26:52You wouldn't have to work so much if you didn't spend all your f***ing money. But that's also, that's combined though. It is combined. Call it half. You're still working your f***ing ass off. And he's suggesting you go out to eat more than him anyway. How would I go out to eat more than you? Oh, you say you go half the days. Maybe half the days I work, but he goes almost every day he works. Ethan? Yeah, I mean, I would say I do go more than she does. Why? You make less. What the fuck are we talking about? And it's like, we buy stuff to meal prep. Like we buy chicken and rice and we plan to make the food, but sometimes I don't do it because.

27:26How do we fail? How do we fail? Are we just completely lazy? Ethan and White Frogan together at last, finally, and they're just going out to eat every day of their lives? Well, like I said, like we buy stuff to meal prep, but I don't always get the time to meal prep because I work all the time. I don't get home. No, that's not what meal prep is. Meal prep is in the limited time you do have. You meal prep so that in those long days, you warm it up. What I'm saying is he's home more. So, because he likes to cook. Well, why aren't you doing? Why aren't you doing any extra shit? Because he doesn't know how to cook the chicken.

27:57He doesn't know how to cook the chicken. In the way that you do. Don't make it the way she does. He used to use our grill all the time. And the chicken he makes on the grill is really good. What is wrong with the grill? Buy a new grill? We can buy a new grill. Boil it! You know how many times? British. Boiled chicken now. No, I'm just saying you can cook it in so many ways. Put it in the fucking stove. It's the easiest damn thing you've ever done in your life. Like we bake chicken with the foil wrap things that you make. Like you've done that before. We don't do chicken. We do sausage. Oh, sorry.

28:28Oh my goodness. What is wrong with you? Miscellaneous bullshit. This could be video games. This could be, I think, stopping in and getting an energy drink. That kind of stuff. Miscellaneous bullshit. Proven miscellaneous bullshit. What do you think that was last month? It's just all that extra stuff that is not going out to eat, but it is bullshit. Could be a lot of boo-boo. What do you think? I'd say probably$500. Okay. I was going to say$500. Okay,$2 ,659.43. You guys are broken. You guys are broken. You guys are broken. Take that. Combine it with your going out to eat spending and, oh, that's your entire income.

29:04Already gone. No, no. Not even close. Bullshit spending? $946. By the way, there were other large purchases of$1 ,590. We don't know exactly what those are yet. They could be bullshit. They could be not. But provable bullshit was provable bullshit was $3 ,606.30. He's the villain. She's the villain. You guys are both the villain. You're spending 70 % of your household income on f*** you bullshit. Contributing nothing, just fun, slop bullshit. Well, it's like I see it as like it doesn't hurt. You're working for bullshit. But I like some of that bullshit. That's good. But you can't complain about work anymore because you're not working for necessities.

29:52You're working for bullshit. So it's now I'm no longer giving, I wanted to give you a handshake at the beginning like she's grinding so she can take care of the household. No, you're grinding for once so you can no longer complain about your grind. You're only grinding for the things you want. You wouldn't have to if you weren't spending all your money on bullshit. You could cut your hours. Absolutely. Probably not anymore because we got to pay off debt. But before, yeah, you didn't need to do all this. I don't want to work like two jobs longer than I don't give a like obviously you want the I'm R.J.

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30:58It's twice his income. What are you talking about but again like with that being combined like i don't know 70 of your combined income yes i don't know what he spends his money on like i don't know do we not have these conversations at all we're planning to get married and you don't know what he spends his money on like he'll tell me every once in a while that like he'll buy something on his game or like i mean i just assume every day that he's going out to eat like i just assume because i know he doesn't pack his lunch and if we don't meal prep, he doesn't take lunch with him other than like if we have leftovers from we went out to dinner the night before or something.

31:37Guys, what was our outflow last month? Outflow. We know your inflow. Bought that $5 ,200. What was your outflow? Outflow. I don't think it would be more than what we make. Ethan? I wouldn't be surprised if it was more than what we make. I don't know how it would be if I'm barely spending on my credit cards anymore. Ethan? What do you think, big guy? I think maybe$4 ,000. Okay. $4 ,500. I think around there, too. Okay. Come up, please. $6 ,411.17. You guys can't guess shit to save your f***ing lives. We were closer this time, though. We were closer than the first time we guessed. You're broken.

32:19Do you guys not talk at all? Do you guys not communicate? Because you guys have no idea what the f*** is happening in this household. I feel like... Not for a single f***ing moment. Like, we haven't... I feel like, because I used to ask him questions a lot more, but when he was... That's not an engagement ring. It's a promise ring. Okay. I was going to say, because we're getting there. That is the finger. Yeah. It's a promise ring. He has a gay one. Okay. It's Darth Vader. It was his early Christmas present. No, I love Star Wars. I don't give a fuck about your passion about Star Wars. You guys don't talk.

32:47Well, it's like when he was out of town and I found his statement, like I texted him. If you don't want to talk about this stuff anymore, fine. I'll take care of me. you take care of you but I'm not gonna split the text oh yeah oh and don't you worry we're gonna go all through those text messages and find the drama in the post show we always do hammer elite number one on YouTube for a reason it was a while ago so it might take a second keyword search I feel like we don't really we don't really talk about that stuff over text oh or talk about that stuff at all I mean we we don't like a lot, really?

33:29When did we go to Buffalo? September. You went to Buffalo? His dad paid for it. So you went to Buffalo? It was my first NFL game. In Buffalo? I don't know anything about football. So I was fine with just, like I was happy to be there. It was my first NFL game. First NFL game? You live in Fort Worth. Yeah, but the Cowboys suck ass. Huh? The Cowboys suck ass. How are the Buffaloes? Good as shit. I think it's on McMillan. I mean, he's got it up top, but I thought he lost it as he was falling toward the ground there. You had to go to Buffalo for it. Buffalo! We went to Niagara Falls. We did go to Niagara Falls.

34:07That's nice. Oh, so. Here we go. Here comes the slop. Give it to me, give it to me. So it's kind of a long conversation. Oh, I bet it is. Take me to the top. And this is what I live for. We're putting it on screen. We're blurring out names. It starts with, what you doing from her? Ethan says, taking a shit. She says, your Amazon card is over the limit by$100 plus and you're late on your payment. Ethan says, my payment just went through. I paid$150. She says, I'm looking at the statement right now. You told me it was like$800. Which he did. Shh, quiet. When you looked at your bill a few weeks ago, because you said you needed to pay it at the beginning of October, it literally says it's late.

34:51and your minimum payment is now$200 plus. I don't know why you're like not telling me this stuff. Like you told me you looked at your Amazon card when we talked about this about a week ago and told me it was around$800. I'm upset because I don't even know what to do about this anymore. Like I try helping and telling you that you can be honest with me and I won't be upset. But seeing that it's over the limit and late makes me feel like it just went over my head. I'm not trying to blow up about it. I'm just upset. You're kind of blowing up about it. Well, I was upset. Well, okay. I don't know why it's showing it's$200 plus and late when I paid$150 three days ago.

35:35And that was more than what my minimum was. It's not even letting me log into the account so I can't even prove it two days ago. Correction. She says, you don't need to prove it. I'm looking at the statement. You have a late fee. He says, no, I don't need a private because clearly you're not believing me that I paid it when I did. We'll see it in these statements. She says, or and then you say, Ethan says, they print the statements out early. She says, okay, if you said you paid the$150, that's fine. But it doesn't lie about the fact that you have a late fee, meaning you did not pay in time for September or you didn't pay September at all.

36:11Also, it doesn't change the fact that you told me there was about$800 on your card. I'm not going to argue about this. call them or something and see if they've waived the fee, the late fee, maybe, I don't know. I'm done talking about this stuff because I really don't feel like it's going to do anything anymore. I'm not mad at you. I'm just disappointed. That's the heavy hitter. And it's not just wrong of me to be upset. And it's not wrong of me to be upset with you telling me one thing and saying it's otherwise. Like I was feeling better about this stuff after we talked about it. And I felt like you reassert me the other oh so you were manipulating or kind of leading her astray and it being okay i don't feel like you're understanding it from my perspective how are we gonna like save for anything move out on our own you guys don't live oh my gosh pay for the boys stuff what's the boy stuff um that's kind of interesting okay hold on that Get a house.

37:10Get our own car insurance. Be able to still go out and do the things we want if we can't be on the same page about this stuff. I'm not going to drown like my parents do. Take care of it and be honest with me. She sends the thing, the statement. You send a screenshot of the minimum payment due. She sent in big old, oh, it keeps going. Okay. This still doesn't change that you were late in your payment when you said you were going to take care of it and that you told me last week your balance was around$800 because you said you looked. That is what I don't understand. If you want your own finances and I have my own life, fine.

37:47I'll leave you alone about it. But I don't know how you might expect us to progress and have stability with this stuff if you can't even talk about it or figure it out. All I've tried to do is help, babe. But I can't anymore if this is just what happens. That's why I asked specifically, if you want me to help with the budget, help you with a budget, write it out, look through your account with you. I've offered to take care of it for you and you just say you've got it. Well, should you take care of it for him? I don't know about that. You should work with him, work with each other, help each other.

38:17If you say you've got it, please don't let this happen again. I'm done talking about it now. He says, all right, I paid more on it. So not a problem anymore. And it hasn't happened again. And we'll see. I'm going to go through it. So what is the boy? So do you want to explain or do you want me to explain? So we have my two little brothers are living with us. Uh-huh. Living with you, but it sounds like you guys live with someone. We do. We have two roommates. So it's us. Oh, so you're not with your fam. No. No, we live together. Okay. We have our own house. Yes, but two roommates. Okay. So we have two teenage boys living with us.

38:57They're 13 and 14. Yeah. Um, so that, that. You take care of him? Yes. Yours? Your brother's? Yes. From your rich parents? No. Oh. From. How do you have other brothers? From his mom. My mom. She left? She fleed? Eh. She's just not really. That's fine. So you're taking care of them. So you got to, uh, you guys are raising them? Basically. How old are they? 13 and 14. Okay. What's the permanent solution on this? Are you guys with them until 18? We don't necessarily have a permanent problem right now. There's no other people in the family that are more stable. Stable? No. No. Not at all. And his dad doesn't even know.

39:35Why is Rich Dad not? Because they're not his. They're not his kids. They're not his kids. But it's still you. My dad doesn't care. There's very, like, this is the situation we came into, like, when he moved in. So, originally, we signed, or I signed the lease of the house in November. Uh-huh. This November? Last year, sorry. Oh, okay. Last November, because my roommates, or our roommates were looking for a house, because they had to move out of their house kind of by where my mom lived. So my roommates and I met at my old job. So we, like, the day that, like, they were talking about going to look at houses.

40:09They asked if I wanted to go with them. And we found a house because my parents were looking at moving back to Ohio. So I was like, I'm going to need somewhere to live because I don't want to move back to Ohio. Wait, but the kid's father has custody. Yes, he does. He has conservatorship. Why doesn't he just do it? Because he lives in a motel. Oh, good. Yeah. What are we doing? So the thing is, is he makes the money to, you know. Is he a drug addict? No, he's not. Why is he in a motel? Because he doesn't need a house. It's just him. I did not need a house and I like a house. The way that they did it, which makes zero sense to me, is he has, he's the conservators, or he's the main one.

40:55He lives in a motel because he gave my mom full custody of them, basically. It's split custody. It's conservatorship. Split custody, but they would live with her basically full time and see him on the weekends. Okay. Okay. So we're budgeting them until we can figure out a situation, which that all of a sudden makes the$5 ,200 such a lot. A lot. Well, you need it to stretch further. And I don't understand how you can spend 70 % of your money on bullshit if we have two kids to take care of. Two teens to take care of. We buy bullshit for them, too. I'm sure. but that's not what they need. They have everything they need too.

41:28We'll see. I don't know how. You guys are going further into debt if you can't pay your rent and you get evicted. We've never been laid on rent. This is what everyone says until they can't and then they get evicted. Hey, you're headed down that dangerous path. That's what you don't understand. No one sees it while they're in the storm. Okay? You're in the storm. This is what every financial situation looks like when people are headed on their way to no longer being able to pay their bills. takes one layoff what happens if the income source gets disabled who knows gets hit by a car yeah no life is crazy life is crazy we are in an economic precarious situation interest rates not going down fast enough for uh the job market to fully recover because you know inflation is not where the fed wants it okay very good job market's not great we're having like interesting job growth some months negative some months positive positive you might get laid off you It might get laid off.

42:21We don't know. Retail might slow down. We'll see. Typically does in a recession. We don't know if we're in one. You don't know. You cannot say that you are okay. You've paid rent up until this point. You guys are in a scary situation and you're going further into debt. You spend more than you make. And 70 % of it's on bullshit. So I don't want to hear that. So what they need is security. Do you have a fully funded emergency fund? I have started. Then f*** you. I have a savings he does. You have started. F*** you. But at least starting is in the better direction than not having it at all. Starting is in the better direction, but you would have a lot more if you weren't spending 70 % on bullshit!

42:59Well, I have$150 automatically deposited into my SoFi account every time I get paid. If you guys break up, you're not taking care of the kid, you tit. So it doesn't even f***ing matter. He has nothing. Goes to Chick-fil-A every day. Mm-hmm. What do you guys think the combined household financial score is? Zero to ten, zero being the worst, ten being the best. probably a four. I think a three. If you want your financial score, get it for free at calebhammer.com. Take the assessment. Just takes a few minutes. It'll tell you where you stand in the world of money, where you need to improve, what you need to do to improve, and where you're already doing pretty darn great.

43:33So just check that out. Link in the description below. And if you don't want to be like a guest who ends up on the show, you got to download the DollarWise budgeting app. Best budgeting app out there. It caters to you. Instead of forcing you to do things like other budgeting apps, it's not ran by these private equity companies that are just trying to collect your information. It is an actual good budgeting app that works for you. Check it out, dollarwise.app. There's a free trial to see if you like it. And if you do, sign up for the annual version like the majority of users do because you get my budget-friendly cookbook signed by me mailed directly to you.

44:00And that only exists for about a month left and then it's gone forever, can't be purchased. So check it out. Let's talk about Discover It. Whose card is this? That's my card. What the fuck is wrong with you? You are spending on this. You said you're not spending on cards. Liar. Fuck you. Fuck you. I don't know. I literally don't know what the charge. Okay, then shut the fuck up. What the fuck did we just do this entire 42 minutes leading up to this? You started with, I never spent. I look at my statements every day. How can you say you don't know what's happening about a charge that you said never happened?

44:33What are you doing? That's impossible. What a fucking lie. Well, because I know. Cancel. Die. Hey. What do you think about this? She just threw you under the bus for 42 minutes and look at what just happened. I mean, I know about that card. Yeah, but she literally just nuked herself. That's the card that we use, or I guess she uses because I don't use it. I'm not an authorized user on it. Big guy, I am talking about the fact that she said she looks at her statements every day and she doesn't depend on her credit card. Well, she did and she doesn't know what it's for. How could she possibly say those things?

45:11Come on, she threw you under the bus for 42 minutes. What do you think about that perspective? She will buy, she'll buy Lububus. She'll buy blind boxes. What is wrong with you? We use. I haven't bought a Lububu in like two months. You almost bought one yesterday. It wasn't, it wasn't a Lububu. You were looking yesterday. Oh, come on. It doesn't matter. It's a blind box. It's the same thing. Gambling. That's, yeah. But we, I guess we use. So I opened this card right before we got together. She uses that card. So I don't give a fuck. You're using it while you are together. Well, so what I'm trying to say is that I opened it right before we got together.

45:44And honestly, as soon as we got together was when I started spending on it. Because the only thing. Hey, it's your fault. You hear that? You hear that, Ethan? It's her fault that you guys got together. And she's spending on the credit card because you guys got together. It's your fault, big guy. The only thing I'd put on the card before we got together was my friend was going to Six Flags. And I asked my mom, should I put my Six Flags season pass on here? And she said, yes, as long as you pay it off right away. Hear that, Ethan? It's your fault? I mean, I spent$400 on an Airbnb for us to go to Lake Whitney.

46:16She uses that for stuff that we go and do. So see how you said we use it at first and now it's I use it? Well, because, I mean, you do use it. I'm not an authorized user on the card. I can't use the card. Yes, but nine times out of ten when I use it, it's when we're together. If you let me finish, that's what I was about to say. She uses it when we go do stuff. So, you know, Airbnb, we go to concerts or stuff. She'll use it for, you know, concert tickets. Like when we went to go see Bad Omens last year, I spent for all of, I paid for all the tickets. I paid for all of the merch. I paid for all of the food.

46:48Like I paid for all of it with that card. I don't see him pulling out his wallet for that. That's what I'm saying. It's a credit card. Okay. Is that not money that I still have to pay back? It is, but it's different. Well, how about when we went to Lake Whitney and I spent the$400 on the Airbnb and I said, hey, I'll split it in half right now. I'll put it on my Discover card. but I need you to pay me back when the second half comes out. And you didn't. You didn't? Did he agree to it? Yes. Where the f*** did you, Dick? Dick? Dick? Is your credit cards good? Yeah, they are. Your family hated it?

47:23In the post show, you did reveal that you were still receiving money from a client from your stripping days. Are you still receiving money from him? I'm a very patient person. My mom is disabled. I've been taught patience. My family hated it. Should we get into that? I would love for you to just use your words and not shut down to the point to where I do yell. Said that I would pay for the gun that we bought on your card. So, are you safe, Pixie?

47:57That's kind of stupid, I'll be honest. But what's not is actually getting a checking account that gives you free money. Free money! We like free money. You can get up to$350 in bonus cash right now when you sign up for the checking account that I use, Chime. Also, it makes your savings grow at a 3.5 APY interest rate. Guys, you can watch Financial Audit and get free money at the same time. Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. So it's like, yeah, he'll say we use it. Why didn't you, Dick?

48:33I use it. Dick! We just forgot about it. Like, it never— We didn't even forget about it. I reminded you, like, three times. But if—because that's what I'm talking about, that, like, we zell each other back and forth for everything because we do such a weird split. Like, half of the time, we pay for stuff with my cards. And I'm like— You said you don't spend on your card. The balance went up on this card. So you're backtracking everything you said. You're a liar. You're a liar. Huh? Like, when we zell stuff, it's debit. So, like, if we go to the desk— It doesn't matter. She's spending on this card.

49:01She said she doesn't. Liar. I don't know what's on that card because I genuinely haven't used it. You look at your statements every day. Liar. I do. I do look at my statements every day. I'm not lying. Liar. It may be the interest charge, but I do not spend on that card anymore. Liar. Liar. Dude, I literally see charges right here, and this is your most recent month, so I don't want to fucking hear it. Like, what the fuck are you talking about? Hey, big guy, how long do you think this takes her to pay off if she doesn't purchase? Which she's a liar, so she can't actually not purchase. How much is on there?

49:27And she only makes her minimum repayment. The balance is$2 ,943.44, which is up from the previous month, with an$85 minimum fee payment. If she only makes her minimums if she doesn't purchase, which she always does because she's a liar, how long does it take to pay off? Six years. That's interesting. 12. So that's 12 years of your marriage, maybe 11 years of your marriage is going to pay off her card from her little boo-boos of which she purchases on. So it's actually going to be like 20 or 40 years. Thoughts, Ethan? That's a long time.

50:06Oh, that is a very well thought out thought. Insightful even. That's a long time, Frogan. Where are you getting this? What are you talking about? I don't know. Well, they said earlier that I look like Billie Eilish, so. Um. Huh. I could potentially see it. Do you have like the biggest tits in the world? I mean, they're not bad. Okay, well done. Dude, Billie. Oh, my gosh. I wish. Oh, my gosh. one out. Billy. Yeah, you wish for the life of back pain. I mean, you already have back pain. I have scoliosis. She can have back pain. It doesn't affect me. That's fine.

50:50Okay. So, yeah, Frogan. Right. 12 years. And like I said, I feel like, because most of this stuff, again. So how does it feel like? Feel like, no, I know. Most of the stuff that is on this card, like, yes, I do buy my trinkets here and there with this card. The card that you never spend on. Most of what was on that card to begin with, though, was from both of us or things that I would pay for both of us. They are moving there flying down the road. Because when we were together, he was working an average of, what, 20 hours a week? Maybe 25? Bye-bye, goalposts. There they go. Not only did I not spend on the credit card, but now it's, well, yeah, but a lot of the spending before was because of them.

51:32You know, this bitch over here. This horrible boyfriend. So, like, when Discover was doing, like, their 5 % back for groceries, that's the card we would use for groceries. So we would— Go post. See that? Oh, I can't even see them anymore. Damn, they're gone. Whew. If only they were the size of Billie Eilish's tits, I could see them for miles. You said you don't spend that in here. I don't. Oh, that's interesting. $38.55. $38 is better than when I used to spend hundreds on it. Oh, cool post. There they go. Oh, f***. Crossing the Atlantic now. $64.95 of interest is growing on a credit card that you cannot pay off because you only...

52:18Kayak gets my flight, hotel, and rental car right. So I can tune out travel advice that's just plain wrong. Bro, Skycoin. Way better than points. Never fly during a Scorpio full moon. Just tell the manager you'll sue. Instant room upgrade. Stop taking bad travel advice. Start comparing hundreds of sites with Kayak and get your trip right. Bad advice? You talking to me? Kayak. Got that right. Make your minimum payment that you were purchasing on. Why are we purchasing on a credit card that we cannot pay off that is accruing interest? What the f*** are you doing? What a disaster. What an embarrassment.

52:57You say he's holding you back? At least I am not making late payments. At least I'm not making late payments. At least I'm making my payments on time. How do you deal with this? It must be real nice if you're willing to put up for this.

53:16Ethan? I mean. Ethan, wake up. I don't have any late payments. Not anymore. Not. I wasn't necessarily asking you to do a rebuttal to her, but it's the fact that she is throwing you under the bus, her potential life partner. Anytime there's any valid criticism towards her, it's, yeah, but Ethan's a little... Sorry, I said that. Not her. She says you're a little bitch. I mean, she can throw me under the bus, but I mean, that's her card. That I have spent... Yes, you have spent... Almost everything that's on there was for us. I don't use LaBooBoo's. And I pay for it. okay yes you don't use labubus but you know it's everything like the bigger purchases that have gone on that card the trip to whitney the bad omens concert the groceries that is for us yes when are you gonna help me pay for it that is for us but whatever however much is on there the what how much you say you have to think it was 400 to go to the bad omens concert and then about 200 in merch and then the airbnb was 400 and then the groceries we bought in whitney that adds up a lot quicker than you think it does.

54:29Yeah, I know it does, but that's still not... It ain't Hello Kitty? It's still not all of what's on there. Not anymore, at least. Uh-huh, says the person spending money. You're no longer a reliable source of information. Hello Kitty, that's what putting our future off is worth. That's more important than our kid brothers, our teen brothers that we're taking care of. Well, they get Pokemon instead. I get Hello Kitty, they get Pokemon. and making sure we have any kind of safety net whatsoever just in case anything happens and keep a roof over there, hiding utilities and food. I have a roof over my head or I have a blanket.

55:03And he has, so it goes, like it goes both ways. Yes, I have Hello Kitties. He has how much money put into his games? How much money, Ethan? I think I just looked the other day and I think over this span of 10 years for my Steam account, it was like$3 ,000. Chunky skins? Games. skins it has to be more than that if there's skins sell them you can't go no no no no not like that like other games how much you've spent on just fortnite oh gosh i mean within exactly but i mean that's within that's also within within 10 years but it's still a big number yeah so you can't say that i'm wrong for doing these things but you'll do them too Yeah, but it's, I mean, it's not much different, but I mean, at the same time, that's, those stuff, like, that's not on a credit card.

55:56Like, my stuff was all - Just because it's on a credit card doesn't mean that you're not spending it. Yeah, but I'm not in debt on it, though. I'm not still paying for it. But you're not putting anything into your savings. Yeah, but I'm still not actively paying for a credit card, though. I mean, I am, but not in the sense of - I'm not late on my credit cards. At least I'm not late on my payments. I am paying on my credit cards. Just because I don't put the shit that I want on a credit card doesn't mean that I'm in the wrong or it doesn't mean that it's any different. Like, it's on a credit card.

56:34It's no different than you saying I'm going to... Like, you buy, like, little things on your Best Buy card all the time. Stuff that's not even at Best Buy. Interesting. The thing you purchased, Best Buy. Always throwing people under the bus for the exact stuff you do. But he's doing the exact same. Go, Bulls. You got me there. Oh, my poor man. Oh, my poor man. Those things better be fucking sucking all the oxygen out of the room at this point. Stick up with this. I mean, they're pretty nice. But they have to be. I don't see any other way. Nice eyes, too. The other way is... You got blue eyes. Thank you.

57:15They're nice. Thank you. Yeah. Best Buy. And you were saying he spends all his shit on Best Buy? We spend... Oh, it's become we! Conveniently has transitioned to we! It was we to begin with. When he started this, he said we. We use this card. No, no, no. Your language, you tit. No, he said... Hey, septum piercing. You said he. He. He. Best Buy. No, before I called out you for your Best Buy purchase. Yes, but if you're calling him out for saying we. Does this f*** with brain function? Does it? Because every person I've met that has one, they get f***ed. About getting one. No, I thought about getting a stud, not a septum.

57:56Before this episode, for every other episode I say, I completely forgot. Well, I'll ask now. I'm sorry that it's so far in. Do I have consent to make fun of you guys and make jokes and rip in? No. You're a little too late for that now. but do I? In all seriousness? Yes. Okay, well, you guys have concerns. I feel like that's kind of part of being here, too. It certainly is, but I do like to ask before we start filming. I don't know why. I completely forgot. He likes to be verbally degraded. Yeah, so he saw us and decided to let it rip and forgot about his priorities, I guess. Lindsay said we look cute.

58:31Say all you want. Lindsay's nice to everyone. She has to be. I don't even know because she has to be. She's just nice to everyone. Like, again, this will be so dated at this point, but I saw the ugliest woman I've ever seen in the world on Twitter, and she calls. Lindsay said she's pretty, and she's the ugliest woman I've ever seen in my life. But it's fine. It's fine. That is old news at this point. And then you went in. You got some bullshit from Target. How much is the charge for Target? That was not groceries. Don't even say it. No, I know. Don't even pretend. It was tampons. I know because I remember that day.

59:13Because like I said, I don't spend on my card. So when I do, it's usually... Kroger. Which would probably have also been... Is it about the same amount? 21. Probably tampons as well. Because they have the really big pack of tampons. On the same day? We went to two locations for tampons. Maybe not. Yeah, you're no longer a reliable source of information. I already told you that. Hundreds in interest this year so far. you're at a 26.99 % interest rate of death. All for 82 cents in cash back in your balance. Well done. I see it as if I have to use my credit cards for anything, I use my Discover card because it has the cash back.

59:54I thought you didn't use your cards. If I have to. Well, before it wasn't, it was you didn't. Who's Capital One? Mine. Oh, two in a row lady. She purchased on it. The lady who never purchased on her cards. Two in a row. What was it for? We will get to that. Okay. All I know is she purchased on a card that she says she never purchases. This one takes an extra year to pay off 13 years. It's done. What are we doing? You f***. I. Liar. Liar. I genuinely, like, I do not remember other than that one for Target because I remember we were buying groceries with another card and I paid the difference for my tampons with that card.

1:00:37Listen, I know you love tampon talk, but there is, your entire life is not just tampons. Well, since I got my birth control replaced, it's because I have the implant. I have, like, I just bleed all the time. It's the best one. You can't feel it when you're in there, and it's the most effective. So that's what I really advocate for the injection. Ladies. Recommended. I liked it. And I know you like that injection. You ain't filling shit up there, aren't you? Poor the asshole. Both work. Okay. Right. Walmart. Walmart's an unknown tricky one because it's half bullshit, it's half groceries. And even with the groceries, who knows?

1:01:19$60.69. The only time we ever go to Walmart is for groceries. Yeah. Other than like, we went to Walmart to get... Why on a credit card would we never spend money on a credit card that accrues$46 a once at an interest? $60 charge is because... $60 a tampons? His mom, because she, is like when she had the boys, she had a food card. No, we've only had them for about a year. Oh, when she physically had them. Okay, not like literally outside, bird theme. Like when she physically had them, she had a food card because she couldn't afford anything. So when we took the boys, she lets us use it for groceries.

1:01:58She shut off the food card. No, because she lets us. Same last name. Okay. No, she lets us. Well, she lets you. This is the government, but go on. But, I mean, it's for the kids. Doesn't matter necessarily. I don't know. Maybe it does. But continue. So we, she shut off the food card and didn't tell us. She shut off or the government did? No, she shut it off. Because we were using it, but she said we could use it. She said that she looked at the balance. Yeah. Ah. She looked at the balance. Of what? I have no idea. Ah. Just a lot of different stuff. Yeah, that's hard. I'm sorry. But she looked at the balance of the food card and thought that we spent, like she said she looked at it wrong and thought that we spent what was left on it.

1:02:41I remember what she said. So there was like 400 something left on the card. And she was like, what did y 'all spend$400 at at Kroger? And I'm like,$400, like that's how much is left on the card we spent. I think we spent like 200. Because I mean, we don't spend a lot on groceries. And I was like, we didn't spend$400. and she sent me the picture and I'm like, that says balance. That doesn't say how much we spent. And I was like, I have the receipt right here. She didn't tell us that she shut it off. So we were trying to buy a couple groceries and I had to pay for it with my credit card because we couldn't use the food card.

1:03:17So now what? I mean, she hasn't shut it off since. It was a temporary? Yeah. She literally just shut it off because she thought we spent$400. The reason that that charge is on there is because I had to use that card for groceries. I'm excited to get to the bullshit because there is a lot of it. But we're getting through the debts first. Amazon Synchrony. Whose is this? Mine. Oh, the first Ethan one. Pull up your Amazon. Pass due. At the time of the statement, you owe double the payment. Well, and over the limit, you little tink, you little cuck boy, you little simp. What are you doing? That's what I was talking about.

1:04:02That's the statement. He'll tell me that, like, his balance is like, like I asked him the other day, what's your balance on your Amazon card? He said, it's like 600. But I don't know. Like, I don't know. I don't even know if he knows. What are you doing? Minimum depayment, 164. You owe$1 ,110.35 on here. What the tit are we doing you little tit Three years to pay this off Past due all

1:04:31Will I know? It's the first thing you see on there. and it's just the first one. Oh, no, sorry. Just point to it. Well, it's that one right there. Okay. And then it's also that one. I mean, a lot of the stuff that you see that's already here is hers. So like... Well, for f***s sake, this is hard. It's all f***ing Christmas shopping. It is. Who the f*** are you Christmas shopping? You can't Christmas shopping. You guys can't afford bills. Is that not what Christmas is? Yes, you can't afford Christmas, you dumb... What are you talking about? So would you rather us just not have Christmas at all?

1:05:04Yes. So you'd rather a 13 and 14 year old not have Christmas. I'm not saying that necessarily, but definitely cut down for sure. You can't, you can't pay bills, you f***. I mean, I see it as they never, like. He's over the limit on the card that it's purchasing on all this shit. I'm not using that card to purchase. That's all from my debit card. Oh my gosh. Even worse, dude. The debit card should be going to pay off your debt, you f***. And lots of cat stuff as well, of course. We have two cats. Their names are Gizmo and Butters. Yippee. Just wanted to tell you about our cats. Sorry. Don't give a fuck about your cats.

1:05:36They are really cute. We have a ginger female cat. Don't give a shit. So, no, we cut back dramatically on Christmas, and I know that's hard. But listen, at 13 and 14, they realize they're not with their mom and dad. Do they also not realize that, okay, yeah, maybe we're not in the best shape. I think they would understand. They do not. They lack common sense. And, like, we can't. It's like trying to put a tennis ball through a brick wall with them. It does not work. And, like, don't get me wrong. They're good kids, but it's like they do have a really hard time understanding things that like they ask all the time.

1:06:10Can we go out to eat? Can we go out to eat? Because we make food because that's why we have the food card. Still at this age for the next couple of years is like the last time you can do this. This might be the last year you can do it. Quantity at five below. Quantity, not actual nicety. Just the ability of opening a variety. I think we did talk about that. You're already ordering a shit ton on Amazon. They're very materialistic for how like... Okay, well, that's a lesson you got to teach them then because that's not a good trait to carry into your late teens. And that's what we do. Like, we tell them, I don't have...

1:06:39You tell them, yet then we purchase all that bullshit. None of that stuff on there is for them. What? How are you trying to guilt trip me with them? Fuck you then. We do have stuff for them. Just not... You are not getting her shit. Just not on my account. When you can't afford your damn bills, you're not getting her shit. You can't guilt trip me on that one. I don't know what else is on that one. You little tit, I do, and it's a lot of shit that you don't need. Oh, I did forget the eyeballs. Wands and desire, maybe. It's nice, but listen. Give them a better Christmas than we give each other, at the very least.

1:07:11You cut back on yours, give them 50 % of what you're going to give each other, and call that Christmas. Roof overhead. Paying our payments on time. And not over the limit. Food on the table. Utilities. Stuff for school. After school activity programs. Sports. Music. That is what is important for them and their development right now. they do not need a bougie Christmas. And you certainly don't need to be getting it for each other. Yeah, f***. I don't think we're giving them a bougie Christmas compared to the things that they want. We are not getting them anything that they want. One of them wants a$300 Ralph Lauren shirt.

1:07:50He wants a$300 pair of pair of Tim's. Three late fees this year so far on this card. Are you serious? Oh yeah! Oh, yeah. I only knew about the one. We late fees this year so far, Ethan. See, and that's what I'm saying. Like, he'll talk about, like, how my spending is worse. And don't get me wrong. I do have bad spending. But my spending isn't a late fee. Did you see a late fee on either of my credit cards? No. Not this year. I've only had them this year. I opened them earlier this year. We've been seeing balances for one year. What's this year? What the fuck are we doing? No, earlier last year, sorry.

1:08:28Regardless.

1:08:34you f***ed up so that's what I'm saying like do I have to remind him every month like set a reminder on my calendar you have an upcoming card payment make sure you don't miss it well does she and I saw no no because I what you've missed an entire quarter I haven't had a late but if we wouldn't have had that conversation no because I know what I'm saying hold on if I wouldn't have if I wouldn't have texted you so you can cut me off but I can't cut you off No, I'm cutting you off because what I'm trying to say is important. Okay, what I'm trying to say is important too. Okay, well, I was talking first.

1:09:06I was talking first earlier too. What I'm saying is that if we wouldn't have had that conversation, if I wouldn't have texted you and said, I'm not doing this anymore if you're not going to pull your own weight, how do I know you wouldn't have more late fees? Because I paid that card before you texted me that. But it was still late. That's the point. Do you not realize that that affects you? And that's what I'm talking about. is that stuff that affects you affects me. Like your speeding ticket. If we ever, when we get married and we get put on insurance together, that's gonna affect our insurance.

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1:10:56Type in code Caleb. That's what I'm saying is that stuff that affects him affects me or is going to affect me one day. So yes, I do mother him a little bit because I want to make sure that stuff gets done because I don't want it sitting on me the rest of my life. That's fair. Wow, wow. Wow, wow. What is this screenshot of something? I don't even know what I'm looking at. It's progressive leasing. What are you progressively leasing? It's my laptop for school. You're in school? I'm about to start. What are your hours going to get cut to? It's going to be online. It's online school. That's still time.

1:11:37I'm only taking one class right now because I want to see how— One class for what? What is the class? Cybersecurity. Listen, I'll get you a certification. We got a cybersecurity certification through Course Crears. I'll get you that. That'll help you get into a career position as well. A lot of people in the audience have taken those certifications to course careers and they've made a lot of money changing jobs or getting raises. So I'll get you that. Maybe even start there instead of that. But at least you end with something. It is free through my job. So my schooling is free through my job. So I'm not paying anything for school.

1:12:06I just have to pay for my laptop. I know, but school's a lot in order to get to a – you didn't have a computer. You said you already have an iPad. So I have the – they said that it wasn't compatible with iPadOS. So I needed to get – A website? An app? It's to an app? It's the program. I don't know what the program is. Is the program an app? Yes. It's what a program is. No, that's not what a program is. A schooling program? No. That doesn't automatically equal an app. Do you know words? It's a software. It's a software. See, that's not even an app. Sorry. Okay. App, program, software. Okay. I get it.

1:12:44I get it. Application. I get it. Okay. So you did not have a computer. Mm-mm. Not one because I'm going to be working a lot. So I'm going to be working at work. What kind of computer did you get? I got a laptop. So I got a... What kind of laptop you f***? Just a standard Lenovo laptop that's going to be high enough quality. I didn't get the highest. I got you. I was just trying to figure that out. Because I'm going to be doing my schoolwork at work, like on my lunch a lot. What's your interest rate on this? Zero interest for 90 days. When did you get it? Not quite a month ago. What's the interest going to be in two months?

1:13:15I have never paid off a progressive lease after 90 days. Yeah, but you guys are really pushing that limit. Everything's getting worse and worse. You never have until you do. You're 20. You have not had a lot of life. You've literally been able to have debt for two years. I've never had this issue. I've used progressive leasing plenty before. You've only had access to debt for two years. You don't understand how this can get. But the reason I know to be careful with that stuff is because of what my parents went through. I get that. But the fact that you've only had access to that for two years and think because you haven't f***ed it up fully in two years, wow, this is getting worse and worse.

1:13:52With the decades you have left of life, this is dangerous. This mentality you have there, thinking you're going to be okay because everything's been fine for two years. Okay, what's your minimum payment? It's$90 biweekly. Okay. Obviously, you want to pay more. Yeah. Well, it's a deferred interest. So he's... Shh. Is it deferred interest? I don't know what deferred means. Okay. Is interest accruing right now and then it all hits at once if you don't pay it off in 90 days? Or does interest all of a sudden accruing on the balance in 90 days? On the balance in 90 days, I think. Okay. Then we don't have to aggressively pay this off while you have 30 % interest on two other cards we have.

1:14:31Wait, no. It is deferred. It is deferred. I'm sorry. I'm trying to think because I'm trying to look at the little estimate in my head of what it says that you're going to pay at a certain time. He's helping me pay for it, though. So that's what I'm talking about. Why? Everything we do, we pay together. Because he said, I'll help you pay for your laptop for school. Yeah, but he doesn't. What the fuck? He makes$1 ,800. But he also doesn't have any other bill responsibilities. Listen, your minimum monthly is$180, but you need to pay$352 a month for two months. Okay. Good luck. Yeah, it's going to be a hard one when you spend more money than you make and 70 % goes to bullshit.

1:15:12This is another progressive lease. But this, no, so this. What's this for? This is his Christmas present that my mom is helping me pay for. So it's in my name, but my mom is helping me pay for it. Okay, so we're not going to say what it is. How do you feel that she's progressively seeing whatever you're going to get for Christmas? Like I said, no more Christmas for each other. I did it last year. Give him a good glocky glocky. Give her a good finger finger and Christmas. Yippee. Happy days. She gave him a really weird look with that. What does that even mean? How do I translate that? Does he not perform well?

1:15:45Oh, girl, hit me with the T. Girl, hit me with the T. No, hit me with the T. I love it. When you want your spring break to feel like. And your kid's pool day to feel like. And your hotel bed to feel like. Oh, and room service to feel like. Because at Hilton, hospitality feels like. Your cabana's ready. Would you like fresh towels? It matters where you stay. Book now at Hilton.com. Hilton for this day. Not that it's not well. Tell me. It's just not often. Like we literally had this conversation in the car right here that like it's been almost a month. Since what? Since anything? And then before that, it was almost a month.

1:16:40poor quay i just i mean i told her like i mean it's not in the mood like it's nothing it's nothing to do with her because she she thinks it has something to do with her and it's not like i just i don't know what else am i supposed to think of like you know do you not think i'm attractive do you think i'm fat do you think i'm ugly do you like she thinks all that but like in in past relationships that i've been in that has been the main focus and it's like i don't want like that's the last thing I think about and when I told her that she was like that doesn't make me feel better it makes me feel the same because that means that like does that mean that you don't think I'm attractive enough for you to feel that way all the time because when we got together it was like crazy and I was like yes I get it the honeymoon phase ends do you try to make moves yes but the reason I don't anymore is because 90 % of the time he says I don't feel like it well that's okay take the chance you get it Honestly, I don't remember the last time I asked that he said yes.

1:17:42Sometimes it's interesting. A thing I learned through the entire process. Oftentimes there is a yes. You just don't know what that is. This isn't a trying to pressure someone into it. He might not want to f**k. And that's what I told him. No, no, no. He might not want to f**k. But ask him what his yes is. He might be down for intimacy without full sex. Because for what it's worth. Listen, I've had stressful moments as well. I've had stressful moments. So I get this. This is something I've had to work on, okay? I'm very tired, you know, oftentimes after work. You know, I do a lot. And so I get it.

1:18:20I get it. There is a yes somewhere. Maybe he's down for a little finger finger. Maybe he's down for making up. Maybe he's down for cuddling with like nice words and stuff. So there's oftentimes a yes. So I don't want you to give up is all I'm saying. I don't want you to give up. I'm not saying don't pressure him. That's obviously not the word I'm saying. I don't want him to, like, I don't want you to feel like you have to do something you don't want to do. I never want you to feel that way. No, but see what that yes is. If he doesn't have a yes, if that night is just a no, that's okay. But maybe he doesn't want to stick it in.

1:18:48Maybe he doesn't want to go crazy. But maybe he's down for some cuddles for a bit. A little bit of titty play. That's what I told her yesterday we were talking about. I was like, you know, I don't always want to do it. Watch TV together or something. I'm down to lay down and watch TV. But that's not intimacy. Well, I mean, we cuddle when we lay down. Like, everything we do, we're. But that's not focused on each other. That's focused on the TV. Yeah, I mean, I guess. And, like, we have, like, card games. Because I love card games and stuff. Like, we have couples card games. And I'll be like, we should play this on the ride down to Austin.

1:19:17Do you want to take the regular version or do you want to take the spicy version? He said, I don't care. Well, because to me saying I don't care is, like, pick what you want. But the amount of times. Because I don't care. Like, I've said, like, give me an opinion. Like, tell me something. Well, I mean, I can't. I don't know how to give an opinion on something that I don't really care. care about? Not that I don't care about it. I just don't care which one you pick. Like, I'm fine with whatever. Like, it's like saying if you want to go out to eat here, out to eat there. I'm fine with whatever. The body sometimes does not want to have sex when there's a lot of stress involved.

1:19:48And there's a lot of stress involved in your finances and raising two kids. I'm not blaming either of you for this. Sometimes you need to be able to give what your yes is and communicate that. It doesn't, you don't have to want to. And I don't want you to give up. And I also don't want you to pressure him either. There are things that can be done. But I understand. I've had stressful times. I get it. It's normal. It's normal, okay? It's normal. I don't want you to think up. I also don't want you to think he's not attracted to you. It's not that. And you just have to, unfortunately, it's hard, but you just have to take his word.

1:20:20Because usually it's a bodily thing, right? It's not an action that he's doing. It's not buying flowers. It's not something he can just do. You know, it's all of a sudden want to be horny in that exact moment. So just take the word. Listen to it. Try not to internalize it too much. Easier said than done. Talk to someone if you have to. But also stick it in when you're feeling it. Let's go. Well, that's what I do, you know? Like, if I feel like it, then we'll do it. But it's just a lot of times I'm, you know, tired or cheat. Maybe figure out something kinky to get excited. Stick it in her butt.

1:20:52Let's go. We don't like that. Hey, you don't like that. But also, I don't want you to do something you don't like. But no, I'm just saying, you know, play around. Have some fun. But I want you guys to have a healthy relationship, obviously. My mom found the fuzzy handcuffs we got from Spencer's. There we go. We love it. Okay, what's your minimum payment on this? $4.30,$4.53.90 for the Christmas present, of which we don't know and we're not going to say. I don't know. My mom usually, or not that I don't know. It's so the biweekly payment. Is she going to pay it off before it hits? Yeah. And your mom pays it, not you?

1:21:26Because the original. Your mom pays it, not you? I help. So she pays most of it. $60. Every time it comes out, which is biweekly. So$60 by weekly, and then she makes an additional payment. So$120 a month for two months. Okay. So it gets paid off. Okay, good. Because it was higher than this. So it was about$700, and this is all— Whose best buy card? Mine. All right, big guy. You know what's funny? He actually made just like a bigger than minimum fee payment when all it is is you throwing him under the bus the whole time where he actually made a bigger than a minimum fee payment, which you did not do on any of your cards.

1:21:57But he probably disputed that because most of it— because he used to have auto pay set up, but then he wouldn't have enough— Why set that up if you're going to just... That's why I don't do auto pay because I check myself. No, set up auto pay for whatever you want. I had set it up, but then I turned it off because I was going to do a different amount. And to do the... For the way that they do it, you have to turn off auto pay to change the amount. So I turned it off, but then it still went through after I turned it off, after I changed it. I can't remember a single time that we talked about his Best Buy card, though, that he hasn't said, my Best Buy card payment got taken out, but it either overdrafted my account or something, or he doesn't have enough money for something else, so he has to dispute it.

1:22:41And I mean, granted, that has been a decent amount of time, but every time we would talk about a Best Buy card payment, that was it. You owe$821. Takes four years to pay off. Minimum to payment,$33. And he told me that that balance is like$500. This is gaming PC? No. Oh, wait. Oh, both of you do crazy gaming PC. You've done 5K on yours. you've done 3K and you want to upgrade yours right now? That's not a full, what are we doing? Like, that's not a full guarantee it's that much. That's just kind of a rough estimate. Yeah, but you want to upgrade right now when you can afford shit. Well, that's why I haven't upgraded yet.

1:23:11I want to, but I'm not. RAM, have you seen RAM prices? No, but I heard it's crazy. I haven't even upgraded. The same RAM that he bought last year for like$250 is$900 now. What the fuck happened to RAM? I already have my computer, so I'm okay. And the tariffs finally hit the... Oh, tariffs? The computer market. AI, I didn't think AI was GPU. They're all made in like South Korea. So, you know, everything, every PC component. RAM, I know Taiwan is. Yeah, every PC component is foreign. So tariffs hit like a mother on that thing. I'm very confused. $336 in fees this year would essentially say you've had a late fee every month this year, plus extra.

1:23:54He used to say that his late fees were before we were together. It would have to be cash advances or late fees or something. Either way, they're all, and it's almost$400 worth. And he used to say that all of my late fees were from before we were together. We've been together all of 2025. So how would those all be before we were together? Well, those, I literally have no idea what those would be from because I have. And this is what I'm talking about, that I look at my stuff every day. Hundreds of fees, hundreds of dollars of fees. What are we doing? I mean, there was a period where I wasn't paying the card.

1:24:31There's no I mean to that. There's no I mean to that. It's you're not making the payment when you're saying you're making the payment. No, this was like, I've been making the payments. You've been making the payments, but they're always late. Not. He has it right there. I didn't know that. You didn't tell me that. That's not what. Is that showing for this year? That's exactly what he said. I mean, does it count like if you dispute your auto pay and then you pay it again, does that count as late? I have no idea. I don't know if that's how that works. If it marks it as late or not. Well, you may have had chargebacks.

1:25:10When you try to make a payment, you didn't have enough money in your checking account. So it gives you a big whopping fee. That might be it. Which is basically a late fee. That might be it. Because the time has been overdrafted. Just as bad. Bailey, thoughts? It makes me upset because that's what I'm talking about. that how are we supposed to do anything combined? How am I supposed, because I was considering maybe we should just get a joint checking account. I didn't want to do anything joint checking account until we were married. But since we pay all of our stuff together, we zell each other back and forth a million times a day when we get paid, should we just do that?

1:25:42But that makes me feel like I don't want to do that because what if our account then is going to get overdrawn or we're going to have late fee after late fee because I don't know what he's doing. I don't know what he has going on on the backend that I can't see. I'm not going to be his mom. But one of your motivations. That I want him to get better. One of your motivations that you told Colton is you want to improve your credit score so you can open a brand new card in order to upgrade your PC. And I told him that is one of them because I do want to be able. In reverse. But that's I want to be able to pay off my cards and get myself to a sustainable point to where I could handle that.

1:26:19I can handle it because Best Buy does 12 months interest free. So if I can do it on the interest. It's risk. Well, you have people to take care of. What are we doing? Okay. Is this a firm or Klarna? What is this? That's a firm. Who's? Mine. Louise Cosmetics, Amazon. What are we doing? Come on, yo, 600 bucks. I'm sure the minimum is like 200 a month. Why? Because that's, and that's what worries me. $600.98. That's what worries me is because all of a sudden, there you go. You're just going into debt. You're paying it for your 12 months financing. as long as it's, you know, financing out and out.

1:26:56It's okay. I - For cosmetics and Amazon? So the cosmetics, that's like all of my makeup for the year. Oh, come on. It's still money you do not have that you are putting out there. You can get the Fizz card, a debit card that builds credit. That's all out loud. Okay, well, that's good. Other than that, I'm not allowing any of this shit that you're doing. This is fucking crazy. Klarna, Affirm, what is this? Fabletics? That's mine, but we are paying it together. Your what? What's the account? Klarna. Okay. Paying it together. Why? There's stuff for me, him, and the boys on there. So it's like a$75 monthly payment.

1:27:38Nope. $88.71. Okay. And you owe$254.15. $88.71. Kohl's. Who's Kohl's card? That's mine, but also both of us paying it. Buying calls. It was for... Auto pay off. I don't do auto pay because I pay all of my stuff manually, which obviously has gotten me further than having auto pay set up and having to cancel every time. Because the reason I don't like... What's your minimum payment? Probably like$25? A word... You know, 103.56. Okay, is that all your debt? I just want to make sure because I need to get to this bullshit spending because it's pages. It's literally pages. This is insane, guys. Guys.

1:28:23Who's USA checking account? Me. This is all you? What? Oh, my gosh. I just saw.

1:28:38No, no, no, no, no, no, no. Oh, my gosh. Oh, oh, no. You can't be. Oh, based on the last conversation, you can't be doing this. No, no, no, no, no, no, no, no, no, no, no, no, no, no, no. God, you're f***ing it.

1:28:53Listen, again, there have been periods where I sometimes get very stressed. I have a lot of work. I get tired. And I have to find my yes, right? That's what we talk about. I have to find my yes. Maybe I don't want to go full intercourse in that exact day. Okay? I'm a horny person. Sometimes it's not always there. It happens. But I don't go and just fap. I make sure when I want to have sex, I have sex with my girlfriend. What is it? He's spending a shit ton on only...

1:29:27While not f***ing her? While not being intimate with your... I'm sorry.

1:29:42Nice to know.

1:29:46F*** you for that, I guess. after you've told me that, because I know he used to do that a long time ago. He said it was before we were together. Oh.

1:29:57Why wouldn't you, like I've told you you can be honest with me about that stuff. I feel like it's just something weird to be honest about. Well, you don't even want to be with me? No, it's not. You told me you canceled it is the point. You told me you canceled it is the point. Yes, and I did. Then why do you have it? Because I did another one. Why? Cue for that, honestly. Like, genuinely, cue for that. Because why would you lie to me about that when you don't even want to be with me? I never said I didn't want to be with you. Then why would you rather do it somewhere else than with me? That is you directly not wanting to be with me.

1:30:42Not really. So then, then what is it? Then what is it if it's you doing it and not wanting to do it with me? I mean, I can get horny when you're not home. But when I've asked you, do you do stuff like this in your spare time? You say no. Yeah, because I don't do it all the time. But not doing it all the time doesn't mean that you don't do it. So when I ask, you say, yeah, a little bit. Not no. Oh, fanfix too? I don't know what that is because I've looked at it. That's another one. And I can't cancel it. Like, I've gone to it, and I don't even have a subscription on there. And I've even contacted the support about it.

1:31:27I'm sorry. Yeah, I am too. Kind of means that all the reassurance that you do means nothing. You saying you're just not in the mood or you're stressed or you're tired means nothing. That means you're lying to me. No, because I don't have it. Just because there's... When is it from? When is it from? That's from October. Oh. It was a one-time payment. When? When did you do it? In October. Why? Why? What was the scenario? I don't know. I was out of town. I knew it. I knew it. I knew you were going to do something like that while you were gone. It's fine. It's fine. Keep moving. No, it's not. objectively.

1:32:13I can see it. You're heartbroken. What do you mean you knew something was going to happen out of the town? I just, like, I tried calling him, like, three times, and he didn't answer. And it could have been because he was asleep. I was at work. Yes, and I also texted our roommate and asked, what's he doing? I don't know. He's in the other room. Yeah, I was talking with and that was whenever I told you my phone was charging and we were watching Family Guy. You're just, you're trying to defend yourself when - No, I'm not trying to defend shit whenever that's actually what happened. Yes, I will admit I did subscribe to it when we were there, but that's not what I was doing when you texted me.

1:32:53I was laying in bed with my phone charging, watching Family Guy. I can vet it. I can vet it. If you log into your own - Show me. I like to see tits. I won't complain if they pop up. Oh, we're fans of tits here. I'm sorry I am Spring is here And there's a whole new way to chai at Starbucks That's made perfect for you Choose your sweetness Dial it up Or keep things light Add a touch of pistachio A hint of strawberry Or vanilla Or make it a spring classic with lavender Because this season There's endless ways to chai At Starbucks I'm sorry there's a part of me that's kind of struggling here it's like you both have here top down camera I mean like this is his bullshit spending this is going out to eat and one page two page three page four page five page six page seven page every purchase is bullshit

1:34:12are you Wells Fargo? and then we look to you for the good finances and you're negative $451 cause I get my paycheck you're negative$451 because if it was all needs I could be sympathetic but there's one page of all bullshit two page of all bullshit three page of all bullshit and a little bit of bullshit on the final page. I think the reason it shows that it's negative is because I get an advance on my paycheck. Doesn't matter. That's not the point. Or not in advance. You were negative while spending everything on bullshit. That's the reality. No, like it would have shown. No, guys, come on. It doesn't matter.

1:34:57While it's all on bullshit is the point. Okay, let's see Oh, and you guys still owe$1 ,000 to your dad for the trip to Buffalo I thought he paid for it Okay, thank you

1:35:14Okay,

1:35:17I'm $34 to subscribe to this person? Okay, I'm subscribing Okay, what am I seeing here? okay, good, good, good. It's, it's an emo woman taking dick. Okay. Very good. Okay. I was concerned for a while cause this person's like profile pictures weird and their Twitter looked weird, but it's, uh, uh, do you want to see? Yeah, it's very, it's, um, okay. But it's an emo woman. Good, good, good. We like that. We love emo, emo woman with a vagina. Okay. Good, good, good, good good i'm glad to see i honestly thought you were into some like weird murder gay and i was about to be very concerned because it was it was uh it was it was looking very weird for a moment it was looking very weird okay all his

1:36:19Okay.

1:36:22I unfortunately think, ladies and gentlemen, that we are going to end this conversation. I'm going to send them to a budgeting expert that we work with outside of here because that's not the issue they're going to have to deal with. Clearly, there is more to work with because in August alone, he purchased one, two, three, four, five fan subscriptions. September, one, two, three, four, five separate only fan subscriptions that were different. He signed up for separate different accounts that he was not previous. He is, I think he might have a potential. He's subscribing to multiple only fans accounts multiple times a month.

1:37:02He's gooning a lot. And I think what we have here more than anything is a relationship issue that needs to be worked on in therapy before we think about the finances. And listen, this is very difficult. And I do not want you guys, I don't want you guys to break up, to be very clear. I want you guys to have a good life together. And I want us to get there, you know, cutting out all the gooniness and stuff that obviously happens in the show. I always wish for the best for our guests and we will focus on a budget at some point and I'm going to hook you up with an expert for that and all of our resources of course but more than anything have you guys seen a couple therapists?

1:37:47We've seen my therapist together once Maybe a couple therapists especially that focuses on sex and you might need to see therapy on your own I'll pay for the first two sessions I want you guys to go please because we need to focus on healing this relationship and focusing on this relationship first before we can think about the money because there's some things going on here. And I think we've seen that through this conversation. Okay. That's what we're doing. Guys, come join us for the post show. Come join us for the post show. Get your Hammer Financial Score at CalebHammer.com. Click that join button to join us in the post show.

1:38:19I'm sorry. I just, I don't think it's productive. You know, if I'm just being real, because you're not going to be able to budget and focus on things going forward from here. I know the audience might want to see a budget. It's not about that. It's about you guys and I want you guys to do well and I need you guys to sit down with a couple of therapists. Maybe that focuses on six too. I think you might have some gooning issues. Would you admit to that? I mean, not anymore. Not anymore. No, that was that it ended. You're trying to defend yourself. Why are you trying to defend yourself? Whenever I've done it, I would pay for it.

1:38:56I would do it and then I would never look at it again. Can I see your phone? Yeah. You open your phone? Uh, what do you want me to open to? Just open your phone. Okay. Is that why you didn't want me to look at that Twitter account? No. What was the Twitter account? I don't know. Like, I literally, I clicked on it when, like, there was a notification, and I didn't look at it. All right, join us for the post show. There's obviously a lot more to talk about, but I think this part of the conversation is done. Um, click the join button. Best membership on YouTube. See you there. Wait, so you've been hiding this?

1:39:28Yes. Wait, so you've been hiding completely. So that's what I told him last night. I don't ask anymore because I'm afraid of you saying no. Because it's not that I have a problem with you saying no. It's that every time I ask, you say no. I don't remember you saying you were involved. Oh, no, buddy. You f*** this. Join us Saturday, January 31st for Hammer Elite Day. A five-hour live stream featuring all of your favorite shows, but done live with you. See you there. Rinse knows that greatness takes time, but so does laundry. So Rinse will take your laundry and hand deliver it to your door, expertly cleaned.

1:40:05And you can take the time pursuing your passions. Time once spent sorting and waiting, folding and queuing, now spent challenging and innovating and pushing your way to greatness. So pick up the Irish flute or those calligraphy pens or that daunting Beef Wellington recipe card and leave the laundry to us. Rinse. It's time to be great!