Financial Audit's Most Abusive Husband

26:48your next level. That's O-N-N-I-T dot com. Really?

26:56Yeah, really. Really? Yeah. What about your weight? I don't think there is correcting it at any point. Yeah, not at this point. I don't think there was at any point. We live in a world of OSMPIC. Yeah. I can't. It's the easiest. I can't. I can't. And what about the pill form? No, I can't do either. Both affect your - I think you can consume less calories than you. That one, yeah. But my mother had thyroid cancer and it runs in the family and those tend to trigger that. Eat less. Yeah. Eat cleaner. Yeah. And I was - What do you mean you can't lose weight? What is this idea? No, like I can't do the exempt.

27:34You're morbidly obese. You're not just like, you're obese, but you're morbidly obese. Yeah. I'm obese. You're morbidly obese. Yeah. I was doing well for the first half of last year losing weight. And then I just immediately fell off once I got laid off. I got laid off. Yeah. For how long? I was laid off from May until the end of July. Now, why the fuck are you guys even considering having kids? Because I know this is a huge disagreement you guys have. Having kids? What the fuck are we talking about? Is it one of those? And please tell me, he really wants kids? It's grounds for divorce if we don't.

28:11From whose angle? From mine. because going into this, she said, yeah, I want kids. If she didn't - You trapped her? Yeah, okay, go on. If she didn't want kids from the start, I wouldn't be in the position of like, oh, this is a serious issue. If she had just upfront been like, I seriously don't want kids and it's not a possibility, we just wouldn't have gotten together because that is one of those bigger things that couples just can't just, it's a major life decision. And yeah, if you now don't want kids, that is you fundamentally just lying about who you are as a person. It is just such blatant false advertising.

28:49Because I'm not allowed to change my mind. You can change your mind. Wear a different shirt, wear different shoes, whatever. But changing your mind about a major thing like that years later? Yeah, but you've also said that we could consider adoption, something like that. Yeah, and you've said you don't even want to do that. He doesn't even have kids? No, we don't have kids. No, can you? Oh, yeah, probably. Probably? Buddy, I'm looking at you. There is a very, very high statistical chance your nut does not carry enough sperm. Yeah. Yeah. You could probably raw dog right now. How often do you guys f***?

29:25Um, I don't know. How often do we? Not often. Yeah, and I'm sure you wish it was even less. But, yeah, I don't think if that shit was raw dogged, anything would result in anything anyway. Yeah, probably not. She blames me for her birth control. What? I do. No, no, no, just tell me. What the fuck is going on? Oh, what the fuck is going on right now? Go on, please. Tell me. You didn't research all the different types. You went with the stick because it's the safest, lowest maintenance, whatever. And then when you had side effects, tried blaming me for them. Without researching the side effects heavily first.

30:11Sorry, I don't know if we, can we go into abortion? You can go into whatever you want to go into. This is up to you. Yeah, that's part of the reason why, that's actually a big reason why I went with birth control. He made you have an abortion? No. He said that if I ended up pregnant, we were keeping it. Well, yeah, that's what birth control's for. But also condoms and more. more. And the biggest thing is I, if, if we, if she gets pregnant, I want to keep the kid because I want to have kids, even if it comes at an inopportune time. If, if I don't, if I'm not ready for it, I don't want to have it.

30:50And you've said that if I, if I have an abortion, that's also grounds for divorce. Yeah. Because it's just, it is a, yeah, it's ultimately your body, your choice, whatever, but it's not like it's also my kid too. Yeah, but I'm not going to push out a kid if I'm not ready for it. That's the thing. Nobody ever thinks they're ready for it. Nobody is ever fully ready for it. Okay, let me correct myself. I don't want to have kids if we're in thousands of debt. We're always going to be thousands in debt. Yeah, because of you. Okay. I didn't have debt before you. I mean, that seems relatively fair. And the debt that she does have in her name is debt you forced upon her, made her open up on her own besides the joint car.

31:33Also student loans. I think that is kind of fair. Okay, but student loans are such a low interest, high protection debt that usually has a good return on investment compared to the rest of the bullshit. Yeah. So how does communication even work in this house? It doesn't. It doesn't. Yeah, I'm getting that. I feel like you're a domineering force, and I feel like you should not be there, but you don't really make money, so it would be kind of unfortunately impossible. Could get you connected with resources. We'll see that. We'll send those to you separately. But the thing is, maybe just say you don't want to have kids.

32:07It's kind of a get out of jail free card. Grooming over. I'd like to stay with him if I can. Like, I'm not trying to be mean. Like, are you dumb? I think she's dumb. I think she's dumb. I think she's dumb. Why? After all this, why? After all that, why possibly? Because you don't know what anything else looks like at this point? Well, he does have a point. He did help me, you know, get through college, get my driver's license. Well, help though? I mean, that's just you. That's very basic stuff. That should not be gold stars for him. That does not make up for him prioritizing yelling at you, literally yelling at you for a$20 haircut.

32:46Literally not getting new socks with holes in them. Literally prioritizing$20,$30,$40 to take out every single day over you just having any semblance of normalcy. cutting off your relationship with your mother, moving you in early, you know, uh, forcing you to do all these different things, including to have kids, even if you don't want to, which, I mean, I do understand that that would be maybe a little upsetting. If you guys agreed upon that, I can see that, but someone's allowed to change their mind and their marriages are also allowed to end. But the thing is with the guilt trip, he would probably use over you.

33:14It would likely be, oh, you're going to have a kid, even if you don't want to, if I'm being completely honest, because I have a feeling this guy always gets his way in the end and you kind of just go along with it because you're stuck there and you've known nothing else besides this in your adulthood and you're cut off from your resources. You really are. I'm reading this from an outside perspective. No one will ever know what truly goes on in the household more than you guys. That is true. But after all that, really, that's what you want to have kids with. After everything I just said. Yeah, he did help me a lot.

33:53I just think he went about it in a way too domineering way. What's the health of driver's license? That's not a gold star that doesn't make up for all that shit. You're giving him credit that is very basic. Hearing you say that is actually quite sad. It is quite sad to hear because you shouldn't be thinking like that. Like he doesn't, that is an excuse and it's very basic. That shouldn't even be congratulatory. It really shouldn't. The fact that it is means that there's absolutely nothing. I do think it's also a little bit of sunken cost fallacy. Oh, sure. I mean, how many years have we spent on each other now?

34:29Four. It is hard to see that just go away. It is hard to see that entering our second half of the 20s. And it's just like, well, fuck, I spent all this time. What am I doing? I get that. I feel like, yeah, I might be bad, but I know her mother's worse. What the fuck are we talking about? It doesn't even matter. Maybe her mother is a bad person. that doesn't mean you get to be bad. That does not excuse that in any way whatsoever. What the kind of cope is that? That's some bullshit right there. Never going to accept that kind of answer. The you talking about? So the conversations, they don't go well.

35:04Obviously you stream roll steamroll, but what are some financial conversations that actually happen in this household? Disagreements, things I want to understand a baseline of what's happening. so we just don't really budget whatsoever um we don't come to agreements we yeah when you applied and you talked yesterday you said she needs to learn how to budget when in fact all this is your issue so now you're saying we mm-hmm good look yeah well there is no budget whatsoever we just we do we get groceries we don't cook them because she usually wants something else gets take out every day, dude. The takeout isn't usually my idea.

35:45I just really, really. Is this true? I do feel like you will put it in my head that you want to do takeout and then it's ultimately me who says yes or no. Yeah. I see to every idea in your head, you've never had anything bad in your mind whatsoever. Everything you've done wrong has ultimately come from me. Right? No. Going back to old reliable. I think that's what you do with the takeout. Old reliable, what? Yeah, what do you mean by that? You blame me for everything you've done wrong. Like what? You just like to hide behind me being domineering as the ultimate excuse of you can't do anything wrong.

36:24You can hide behind me and say that's why you don't talk to your family when in reality you don't talk to them because you set that boundary. I don't talk to them because my mother quite literally said she wants nothing to do with me as long as you're in my life. And that's a choice you made. I didn't tell you to do that. She gave you the ultimatum. And you're also the reason I don't talk to my brother. Or my nephews. Why don't you talk to them? Because issues with the wedding. And what were the issues? Just people didn't want to cooperate. And why didn't they want to cooperate? Right. Because you were, I don't even know what to call it.

37:09You were in charge of every single decision with the wedding. I couldn't even have my grandparents there because you didn't want them there. You said you didn't want them there. I changed my mind. I guess. You changed your mind after we gave the venue the full guest list. No, I didn't. You also said that you were going to invite them just because it would appease your mother and you didn't want to argue with her. That wouldn't have been the only reason I had them there. Well, that's not what you said. Oh, guys. Oh, what the fuck? What the fuck? I asked for what a financial conversation is like, and it devolves into that.

37:51What the fuck? I don't even remember your answer for what does a financial conversation look like. I don't even remember. What was the answer? Oh, takeout. So you say, okay, you say it's her idea, but she said that you start planting the idea. Listen, I also know from my little readie-reedie before that every time she doesn't want to do something you like, you just endlessly accuse her of pushing the goalposts on everything. Like she's not allowed to have any ground to stand on. She can. She just chooses not to stand on that ground. I want her to push back in conversations. Right now, I want her to be arguing.

38:29I want her to talk more. but she just won't. So yeah, it leads to me being domineering. Are you afraid of what's going to happen afterwards? A little bit, not going to lie. Okay. Okay. I don't like that. What? Tell me. You just, you're so controlling. In what way? What do you mean? The finances. You, you, our accounts are in our joint name. You have access to them. You can log in on your phone right now. open a bank account somewhere else transfer all the money to it with your new job I've said hey let's do different accounts for each other you can keep a large chunk of your money separate I'll keep my chunk separate you'll divide the bills you've gone back and forth on that so much yeah because I want you to have an out if you want one I don't want to be accused of you being with me just because of a dollar and then I'm an asshole if I have a way out.

39:25No, I want you to have a way out. If you want a way out, I want you to take it. You said originally that if we had separate accounts that you were going to divorce me. Everything leads to divorce with you. Everything's ground for divorce. Manipulator. Grooming manipulator. Get out for a second. I want to talk to her alone. Get the out for a second. Okay. I don't like you right now. leave we'll take you to a different room yeah yeah waddle your way away bye-bye bye-bye bye-bye bye-bye are you okay what the is this household listen i know i know this is on camera right now so of course he could see this and probably will but the fact that okay well we will talk off camera afterwards to be very clear alone with you in private my production staff but while we are here are you okay do you feel safe do you look what the is going on dude this is insane this is not listen I knew he was a problem um when I was reading shit before and you know got some information but I didn't think it was to this extent hearing the actual language and disagreements and the way he's just endlessly throwing you under the bus and like you're you I'm happy you're at least saying you are a little nervous afterwards, but are you okay?

40:46Yeah. Are you safe? Generally, yes. Generally, yes. That is not the answer someone wants to hear. What is generally yes? We do have fights. They get pretty intense. Tell me. There have been a couple times where he's physically threatened me. He will push me. He will shove me. There was one fight in particular that got very intense, and he grabbed, like, the collar of my shirt and yanked me back, and it choked me. We did not know this, did we? Okay. Okay, this is going a different direction. First of all, I'm going to let you know that is beyond unacceptable. That is disgusting, unacceptable, and there's really not words to describe it.

41:38and listen. Oh, fuck, okay. Afterwards in private, we'd like your private communication. Also, I know he's watching this. Fuck you, by the way. That's the... No, that doesn't happen. That doesn't happen in love. It doesn't happen in passion. Listen, a little scream here and there between two spouses. Big passions. Okay. physical choking collars grabbing pushing that doesn't happen stopping someone from relieving that doesn't happen that's not love that's not love and that is not how a man should treat his wife it's not how a wife should treat his man either but to be very clear there is you know no genetic and biological things that he is likely to be stronger and he is in that position of power and that is unacceptable and I'm sorry.

42:36So what we're going to do off camera, and again, I know you're seeing this, go f*** yourself. We will get you contact information, especially for any kind of local group we can find, but certainly national. I need to be very clear next time that happens. A couple options, definitely call those numbers, those resources we provide. I would say Texas is like, I want to make sure that what is happening has an instant response. Definitely feel free to keep us updated. We'll try our best. Lindsay's going to give you her personal phone number, she just said. I don't think you realize just how that actually is.

43:14I really don't. You've been trapped inside of this. I've been looking past it. Yes. You've been cut off from your outside world. It's terrifying. But 911 police report, that is violence. I know that sounds extreme. And in that moment, you're like, oh, I do love him. And you can love him. You can love someone and it'd be a bad person and bad relationship and bad things at the same time. They don't have to be mutually exclusive. They really do not. Yeah, violence escalates in domestic abusive relationships. And the fact that that has already shown signs in just a few years, and we're talking potential decades left.

43:57And he manipulates. He knows you love him. He knows you don't have anywhere to go. You have no money. He gets you to leave jobs and he cut off all your relationships. He knows that you can't leave. Raise your hand if you've been meaning to book a doctor's appointment for, I don't know, the past year. Yeah, mine is up too. I used to doom scroll symptoms at 2 a.m. Self-diagnose with whatever WebMD threw at me and say, it's probably fine, and then continue ignoring it. Classic. But this year, we're doing better with today's sponsor, ZocDoc. ZocDoc is a free app and website that helps you find and book high-quality in-network doctors so you can find someone you love.

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45:12That is Z-O-C-D-O-C.com slash Caleb. Thanks ZocDoc for sponsoring this message. Let's get back to the episode. That's kind of stupid, I'll be honest, but what's not is actually getting a checking account that gives you free money. Free money. We like free money. 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.

45:48Get that$350 right now in your checking account. So he threatens the divorce. And it's terrifying. It's been able to live. It's disgusting. I don't exactly have anywhere else to go. Exactly. So we're going to try to get you set up with resources so you do have a place to go. But also, the police is okay to call in those moments. It really is. I mean, for what it's worth, I'm not saying this is necessarily something I encourage, But we had a member's audit and their situation had domestic abuses from the wife to the man. And that was a couple of years ago when she actually faced punishments because he called the police.

46:28And she ended up getting mental health and she dramatically improved her life and they are able to reunite. And now they actually have a good life. So there is a better future, potentially. I'm not, I don't want you to just grab onto that and go through a world of shit just for that. But I'm just saying maybe help can be provided. I will set him up with a therapist. Maybe he needs to control his anger. But just because you call the police doesn't mean it's the end of the world. Okay? That's what I'm trying to say with that. Because she faced her consequences. And he was safe. And their kids were safe.

47:01And they were able to come back together. When you want your spring break to feel like. And your kids pool day to feel like. and your hotel bed to feel like 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. What's your friend's situation like in your areas near you? Because I know your family's situation is a bit strained. You said friends? Yeah. I don't really have any. Yeah, okay. Why? I think I have one. I just don't talk to people. Okay. Is that a you thing?

47:49Is it kind of what's been encouraged? It's more so me. I just don't talk to people.

48:00Okay, listen. So, again, we are going to do that. I am going to bring him in. I am going to get him. So I'm going to treat this as hopeful optimism, but prepare for the worst. Okay. Prepare for the worst with sending him to therapy, deal with his shit. And you, you know, we're going to get you resources. Hoping for the better that he gets his shit under control. If you guys actually do love each other and want a future, we will do the financial audit as normal. Okay. Because I know that's what you guys came here for. And I'm going to deliver what we have promised. but this is a bit fucked up and I need you to know that.

48:39I'm okay. Okay, we're gonna bring him in. We're gonna bring him back in. Okay, welcome back. I feel so welcome. Have a seat. Don't break it. Pull in the mic. Listen, why do I have a note that you told Lindsay that you're annoyed she's gonna start working again and you're gonna be bitter once she starts working again? Why do I have that note? What the fuck is that? So when she starts working again What, she's going to be able to have any kind of independence? She might be able to leave if she desires? No, she's going to be constantly complaining that I make more than her and I don't have a degree and she does.

49:15And I'm sick of hearing it. Yeah, he doesn't have a degree. He didn't go to college for what he works in. I don't think we should be bitter about that. I feel like I worked so much harder for my profession. Okay. I mean, this is the first time I'm going to take his side for what it's worth because I just want to be objective on each subject matter as a whole and not take into account the entire conversation. Because I'm kind of anti you right now, I'll be honest. But, I mean, that's fine. You can get a certification, make more. You can go through trade school and make more. I mean, people go get doctorates in art history and they're going to make less.

49:51Like, it doesn't matter the amount of time and hard work and different careers have different demands and the market pays what it pays. He's also in a career software engineer where it's had the second highest layoffs this year so far. So it's, or last year, federal government being number one. But like, it's not roses in perfection. It's also an$80 ,000, a lot of software engineers, especially in New York, make, you know, 100 ,000 plus. Yeah, I don't agree with that. I will never agree with the path you took. Then take it yourself. if what I do is so easy, do it. I already have my degree. Okay.

50:34I did the two-year program. I have my degree. Funeral directing. Well, again, so you're just getting the demand that kind of comes with that. You're getting the pay that you signed up for the degree that you knew the pay. I mean, that's fair. He knew the pay for his role as well. He shouldn't. That's why I did it. How did you go from 19 an hour to 80K? Because he's a software engineer. Yeah. What do you do besides sit at a computer all day? I type on the computer. It doesn't matter. It's what the market demands. It literally doesn't matter. It doesn't matter. What the market demands is what the market demands.

51:12We don't live in communism. I don't agree with that. Is it jealousy? A little bit. Okay. I went to college for two years. I did the classes for two years. Yeah, but you knew the pay, though, when you went into it, right? So you were choosing to pursue that path, but you knew the pay. I still think that I should not always make less than you. I will always make less than you. Not, again, not necessarily. The high end for a funeral director is probably on the higher end of what I can make as a salaried software engineer. Is that true? If she were to ultimately open her own funeral home after years.

51:54A whole business, though, with loans and all this shit. Yeah, that's typically the end goal for funeral directing. Okay. I got to jump into these finances, guys. Listen, I don't know if we should be together. I also want her to have independence. Definitely wouldn't get kids yet. Marriage, I would have taken a little more time. There's going to be some separate conversations after this episode, I will be honest.

52:19Yeah, not the biggest fan of what you guys got going on. Let's see for a second. What do you guys think your household financial score is? Zero. I think maybe like a three. Okay. If you want to see where you stand in the world of finances, take the Hammer financial score for free. It just takes a few minutes at calebhammer.com. See where you stand, where you're doing poorly, where you're doing great. You guys are awesome. I love you guys. And make sure to download the new and improved and awesome DollarWise budgeting app. And make sure you sign up for the annual version. You will get my signed budgeting cookbook signed directly to you.

52:53That ends at the end of March, and then it's gone forever. You also get my signed meal plan as well. So check that out, guys. March is the last to get both, and the cookbook is gone forever. All those links are in the description below. I know you applied to work here. Yeah. Were you guys going to move to Austin? Honestly, I, yeah, probably would have. So we could keep a closer eye on you. I, I do. I'm not a huge fan of Buffalo. There's just not much going on. Who is? That's, yeah. Yeah. Honestly, yes. Only people that like football. And even them. But do you move? I would. No, do you move? Like exercise?

53:38It's an active town. Yeah, well. What would you do here, barbecue? Maybe. I've heard good things. Yes. Well, ultimately, part of the plan is to lose weight, but. Buddy, I'm sorry. Listen, as a yo-yoer myself, as someone that is on a decent weight loss journey this year so far, how is it the plan? That's not a the plan. You're either doing it or you're not. You don't have a plan. What's your plan to lose weight? Eat less and move more. Okay, then do that, fatty. What? Yeah. Yeah, I mean. I'm sorry. From a fellow fatty, fatty, who do that. It sure does. It really does. I know. I struggle with it too as a fatty.

54:20That's not a plan. It's you do it or you don't. If you're not doing it, there is no plan. Yeah. And if you want to have kids, I'd like you to actually be alive for them. That is, that's another part of the conversation of having kids is why we want to do that sooner rather than later. Well, no, just don't be fat. I've never really. So the first four statements are collections of yours. because again, I don't know why you put shit on her. Why are you the f*** collections up the dick, dude? Huh? Huh? What are you doing? What are you doing? What's going on, asshole? Pick one and I'll answer. Okay,$587.

55:00For? I don't know because it's the collection agency. $587. Well, you got. That was probably a what? Deserve? Deserve. Yeah, that was a credit card I opened while in college. Okay. Why didn't you pay it while in college, asshole? I ultimately just didn't. I don't have a great reason for it. She's the one that needs the budget, huh? Yeah. Right, asshole? F*** you. Synchrony Bank,$2 ,377. Why didn't you pay it? Asshole? F*** you. During that time, I was unemployed. So that one does have a fair enough. Sure, why didn't you pay on it when you were employed? You make money. I made the minimums most of the time.

55:41Okay, until you didn't. and then it went to collections, asshole. What the f*** you talking about? It's in collections minimums most of the time. F*** you, it's in collections. Yeah, yeah. I know you can at least move across the room to your computer and check. Yeah, a lot of the stuff that's in collections, a few of them were auto pays that I just didn't check on, and I don't answer my phone if it's not a number I don't recognize. It shouldn't be a phone call, buddy. It's there. It's your f***ing accounts. Check your s***. Look at your phone. What are you doing? I know all you do is look at a screen all day.

56:13No one ends up looking like you who doesn't. So come on. I know you can check this shit. I could, but I didn't because I thought the auto pay was working. You weren't the literal Reddit mod final boss. Again, I trusted the auto pay and I just didn't check it. What do you think of this? Because I know you discovered a lot of this on the phone call last night with Lindsay. She's telling me. You didn't know a lot of this existed. Well, she knew it existed. Hey, fuck off, you fat fuck. It is her turn to speak. Like I said, he would get mad at me every time that I would get like. That you asked? Like I would get like the text to my phone saying that we had money due.

56:58And I would tell him like, hey, I just got this text. This needs to be paid. It would start fights. Really, dude? So you had a warning system, i.e. her, and then you still didn't? That just rumored your entire argument, dick. She wouldn't tell me that the payments are not going through until it had failed to go through like six times. I would tell him. I would tell you. Yeah, after attempt like number six where the minimum now was way higher. No, you told me I would get the text messages that we owed money. You would tell me don't look at it. Block the number. Leave it alone. I never told you to block the number.

57:34You would tell me to block the number. You didn't even want to know about it. Of course I wanted to know about it. Then what the f*** happened? How can there be this big of a disagreement on how that happened? How's that even possible? I think you just didn't want to admit that you don't have the funds. Also, I know a lot of you want me to bring up to him what was talked about when he was outside of the room. We're going to do that in the post-show. I'm going to need a second to think about it. Okay, and then there's an additional 362 from Progressive. Couldn't pay that. Oh, what are you looking at her for?

58:10Nothing. Did you see that look? Chad, did you see that look? Did you guys see that look? That was a look of concern. You afraid? Should be. Yeah, a little. Yeah, you'll be rolling away. Yeah, I'll find the nearest hill and just spin. No, you'll find the nearest buffet. Well, you guys do have a CC's here. Yeah, we have CC's. We don't. $3 ,326. Oh, wait, no, there's an additional... Okay. All right, an extra collection, 562. This was LVNV funding. That might be the collector, but capital one. Another credit card I had during college that I just... So you couldn't literally do anything ever. Ever.

58:58What? How the fuck? You said that's another credit card? I thought you only had one in college. No, I had three. And when were you going to tell me? Oh, my gosh. When were you going to ask? What? That's not how relationships work. I'm going to let you know. A little fun fact. She knew of the accounts in collection, and she knew the amounts. Just didn't ask what specifically they were for. You would yell at me every time I did. Well, I would say, yeah. I mean, it's in collections. We just don't have the money to pay it right now. I'll pay it in a month or two.

59:33I just want to assume that's how the conversation between Bill and Melinda went. When were you going to tell me you had an STD? Well, when were you going to ask if I had an STD?

59:45When are you going to ask, buddy? That's not how things work. That's not how things work. Why would she ask? If she thought it was one credit card, why would she ask? Huh. By the way, any chance you have more collections from credit cards you had while you were in college? That's not something someone asks. Again, I told her I have this many things in collections and these are the balances. I didn't think it mattered what they were for. As long as, hey, I have this many things in collections and it's this balance. Well, she discovered a lot of this last night, I'm being told, though. She discovered what it was for, but not the amount or that it existed.

1:00:22Is that true, Brittany? Because I don't trust him, I'll be honest. I knew he was hiding things, but I didn't think it was this extreme. I don't think it was to this level.

1:00:36Okay. You knew of the accounts and you knew how much they were. You just didn't know what for specifically. Because we went over all this when we got the car. Whose Amazon chase card? That's mine. Okay. Now I'm being told a lot of the cards he made you open. Is this one of them? He did push me to open it. What the f***? You pushed me to open all of them. What the f***, asshole? Pushed, not made. Pushed, yes. I'm saying what the f***, asshole.

1:01:18Asshole, what the f***? So, again, I didn't make her open them, but she didn't have anything building credit whatsoever. Yeah, and now this is f***ing her credit because they're maxed out. So you pushed her to do this, Dick. That one specifically was, it was a rough year and we wanted to do a bigger Christmas. She had a job offer in hand for a start date, which was originally supposed to be sooner, but it got delayed because of state paperwork and bullshit. So it was, she was supposed to be starting at 19 an hour. So we figured, well, let's do this and we'll do a bigger Christmas because we or you.

1:02:02We or you. I feel it was we. No, I feel it was you. Yeah, you're the one that get her more credit card debt, preventing her from leaving even more. Because how is she going to make her minimum payments? Seems like an extra tool in your arsenal. Of fat. Because you're fat. Really? Nah, I think I'm a size four. Maybe XL, but four.

1:02:41I'm being told the balance is bigger. How much bigger? What do you mean the balance is bigger? How much bigger? There's only$100 more that can be put on here. What's the balance? I don't know. What is the balance? Do you know the balance or do you need to pull it up? Not off the top of my head. Pull it up. It actually might be about the same because, yeah, we did charge to it, but I think a payment went through. I don't know. Yeah, you're a 4XL.

1:03:09the current balance is almost 1400 okay so it actually went down apparently for now okay that's good okay even still that is still dramatically high it's her credit and I'm sure that'll be replenished because you guys spend when there's money to spend that's probably right after payment was made and now we're gonna spend more money so I'll put it at 1409 pull up your Amazon who spends do we have a shared Amazon account separate Amazon accounts separate Amazon accounts pull up both your Amazon accounts do they both go to this card yeah more or less of course so yep I need to see both

1:03:51and you're supposed to spend $300 each on this card bringing it to$600 when you opened it it's more than double that even with the payment made it's already screen recording okay A dinosaur necklace, I guess, making her like you for a second. Gluclair pen tips? No. No. Amazon Basics. Flexible fabric. Dye detector test strips. And Barovs to do net. What? Just waterproofing something. Slim Jims. You're getting Slim Jims on Amazon? All right. Oh, the first good thing he's ever done in his life. He got f***ing Gamersupps. He got f***ing Gamersupps. Listen, he got the pack of good. That's Brandon's favorite flavor.

1:04:38I like the blowhole one, but even still, Gamersupps, remember, get it. It's 40 cents a serving. Make your energy drinks at home. Use my link. Get the free samples. Gamersupps.gg. Type in code Caleb. You can see what flavors you like and then just order it. Just like you got to make your coffee at home. You got to make your energy drinks at home too. Save that money. First good thing you've ever done in your life. That and the engineering chip. Velociraptor. It's just so much bullshit. Slippers, so many dinosaur things, keyboard. You're getting her shit. What do you love bomb and then trap her inside?

1:05:09It's just, I figure if we can get something that either of us want, why not just do it? Well, because you don't have money. Let's see yours. Listen, I'll let you guys use the Fizz card. At least it's a debit card that builds credit. And I'll also get you a course career certification, okay, lady? So that we can hopefully, listen, if you want to get out of the funeral world, Because opening up a funeral home, I don't want that to be your future necessarily.

1:05:35This is the website. She does not use apps for anything. I need to look at your orders. Do you know how to get to your orders? So I'll get you a course career certification of your choices. So a lot of people in the audience have used that to dramatically improve their income and career.

1:05:55okay yeah you're getting more of the glucose things as well i don't know that's a necklace more things it's all bullshit look at all this shit sorry chat we're putting it on screen wireless mouse and funko pops

1:06:13wireless gaming controller come on this is just all shit guys there's literally other than the glucose thing, which I can understand because, I mean, nothing there was a necessity other than that. It's all bullshit. It's all stupid. Yeah. eBay. What are you getting from Etsy 277? That was a Christmas gift for her. It was a dinosaur replica skull. Human dinosaurs. Big fan, huh? Yes. Interesting. eBay 30 bucks and then a shit ton of Amazons platters chocolates of course when you guys go for chocolates you get platters of it bullshit bullshit actual potential groceries at Sam's but it's a shit man listen it's 2025 now we're getting 2025 statements at this point so I can't see how much interest accrued last year I can't see how many fees so right now you're fresh first statement starting at zero, but it's all about to start getting f***ed real quick.

1:07:14Oh, you took a 1 ,000 hour trip to Chicago so you could see dinosaurs. Chicago to see dinosaurs? We went to a field museum to see Sue the T-Rex.

1:07:29Sure. Who's Capital One? Which one in particular? Plan them. Me. Alright, Billiam.

1:07:38$266.45 with a$25 minimum monthly payment. What the f*** is going on here? I took it out to try to help my credit with on-time payments. Okay, and that's what you forced her to open credit cards for. So why would you force her to do that if you can't even do it yourself, asshole? You spend immediately what you put on, and then interest agrees even more, making the balance go up. What are you talking about? Yeah, but can't scores just be manipulated to the point where if I need my score better for something, I'll just pay the s*** down a month before? What's your score? Oh, like a 511. Yeah, you don't know what you're talking about.

1:08:10What the 511? Shut the fuck up. You're under 600. Oh, fuck off. Fuck off. How are you talking to me about credit scores? Well, I need more on-time payments to help my history. Oh, yeah, I do. My history is terrible. Maybe make them on time, especially when she's telling you, hey, they're a little late, asshole. And that's why I have more accounts, is to try to make more on-time payments. Oh, yeah, that's going to make you even better organizing things and making payments on time. Just have more payments. Oh, fuck up. What happened? Well, my first attempt at building a budgeting app, it didn't go over very well.

1:08:45So I'll rewind. After hundreds of financial audit guests, one pattern stood out. People weren't failing because they try. They were being handed crappy tools that weren't built for real life. So I tried to see if I could fix it. In January last year, 2025, I launched an app driven by the belief that budgeting shouldn't feel complicated or intimidating. I had good intentions, but the first app was a complete dumpster fire. I was trusting the wrong developer, and that partner cost us thousands and left my customers with the buggy app that only kind of worked. And that failure forced me to ask a question that I couldn't avoid.

1:09:23Do I walk away, or do I try again? Ultimately, I chose to double down and commit to building a new app the right way. Myself and an incredible team. Every dollar that I made from YouTube went straight back into the product. No investors, no shortcuts, just the belief that I could change lives with a better approach. So we rebuilt the app again and again. 38 different versions in total. I obsessed over every single detail that most people wouldn't ever notice. And that's because if this app was going to go live, it had to work for real people with real lives. So everyone who stuck with me and my team shared their feedback and believed in what we're doing.

1:10:04Thank you. You helped shape what this has become. This is my vision for the future of budgeting. And I'm just getting started. DollarWise 6.0 is finally launching on February 17th. Rewrite your money story. Learn more at DollarWise.com. We're so fucking back. Starbucks is bull and a waste of money. and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

1:10:46The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it. or 10 % off your order at gamersubs.gg, or click that link in the description below. Type in code Caleb. DMV, that's fine. Interest is already accruing this year. 30%. Who's affirming at a 16 % interest rate? It's a micro dick balance. I'm assuming it's paid off now and now. Oh shit, there's a lot more. Okay. Okay. How much are we affirming? Who's affirming? What are we affirming? So there's three affirms that are in collections. And then there's another affirm that's active.

1:11:31What are these ones in collections? No, I think these are just active. These are in collections. What is wrong with you? What the f*** are you talking about, dude? Oh, they are. What are you doing? Why? She's the problem. Well, come on. No. No. This episode is brought to you by Nespresso. Introducing Virtuo Up. The latest in a long line of innovation from Nespresso. It's innovation you can touch, sense, and taste in every single cup. With a three-second start, easy open lever, and dedicated brew-over-ice button, it's even easier to enjoy your coffee your way. Sip for yourself. Shop Virtuo up exclusively at Nespresso.com.

1:12:15By the time I found out about the payments not processing, I had to make a tuition payment for her college. so it was either make the tuition payment or have the shit go to collections.

1:12:33Okay, and then an active one for Newegg. Who's getting a fucking computer? The Newegg one should also be in collections. That one shouldn't. Oh my fucking die. An Amazon one is active. That should be the only active one. Well, I'll do a firm, asshole. I don't know what to put for minimum payments, but a firm's are too... How are they even letting you open that one? Yeah, that is a very good question. $2 ,107.47. I don't even know the minimum because most of them are in collections anyway.

1:13:05Okay, death to friends and family and bullshit. What the f***? So, okay, to friends,$1 ,000. To family,$800. What is this for? So I owe my sister a thousand because I was arguing with when we moved out of the - Do we want to say sister? Yeah, that one's fine. Okay. When we moved out of the Rochester apartment, there was so much bullshit going on with that apartment complex that I - Yeah, I'm sure nothing to do with you. I did withhold rent for a while. Oh yeah, did you? Yes, we had the heat stuck on maximum for multiple months at a time. Their only attempt to fix it was replace the same zone valve four times.

1:13:48And after two months of that, I - It doesn't matter. You still have to pay rent now. It was unlivable. It was over 100 degrees. I believe, but why fuck your entire future for it? And that's what I said is I will give you the rent when you make it livable. But honestly, you're not going to make or break them. You're breaking yourself in the future. Listen, I agree. You shouldn't have to pay rent. They're pieces of shit if that is true. But you're not harming them. You're only harming yourself. when they made it livable, I gave them that money. And then when we moved out, so it didn't hurt your credit with that?

1:14:19No. And then you're okay. That, well, there is more to the story. Well, they, when we moved out, we didn't take thorough pictures when we left and they tried claiming, they claimed that, Hey, it caused a bunch of this other damage. They claimed we left a ton of stuff by the dumpsters. I was in the middle of disputing it with the creditor or with the collections agency. But my sister was closing on a house at the time and she was on the, she was a co-signer at the beginning and she needed it off because she was buying a house. So she paid it and I owe her the money for that. I told her like, I just don't, I'll pay you.

1:14:59But like, ultimately I would continue fighting this, but you need it off now. Just pay it, I'll pay you back. Okay, okay. Okay, so no minimums then. Correct. And then to family, there's 800. Family. Which one was the 800? Friend. This is to friend. Friend, 800. That one was, so when we got the car, she had just started at the deck collection job but hadn't received a check yet. Yeah, before you made her quit. Yep. My car, the Explorer, broke down. That one was fully paid off, but we had no idea what the bill was going to be. And we figured we were going to need two vehicles. So we went and got a car.

1:15:40And in that time, or sorry, friend, my friend said, hey, I gave you this money to hold on to because I don't want my partner knowing I have that money. I gave you that money to hold on to in case use it for the down payment for the car and just pay me back when she gets her first check. Well, then when that happened, she said, hey, just hold on to the money still. OK, so no minimums on this as well. Correct. So you guys are just in debt to everyone. I mean, you owe some pay advance to Dave 100 bucks and you're banned from using pay advance app now like Moneyline, Dave and Bridget. Like what the these are these in collections?

1:16:21No, they're just still like in the app. So you owe a total of to the pay advance 800 across three apps. What are you going to do? See, listen, there's only one thing that have been her so far. It was the Amazon card that you are spending on that you made her open. How the fuck can you say she needs the budget? How in your application info call last night is that what you were saying? it's she's like until recently she like didn't work for much so she doesn't value the dollar with anything asshole you're the one that's yeah i ultimately going forward if since she's going to have income as well we need to be aligned on how to move forward and yeah the steps i've taken are but we need to make sure to not do them going forward.

1:17:15And yes, a lot of that is me, but I know generally what I'm doing wrong. She doesn't. And why don't you correct it? That's even worse. I'd rather be ignorant than intentionally doing the wrong thing. Because it's always been just kicking the can down the road of, oh, things will get better when this happens. And then, well, another shit show happens along the way. Who's the saver card? We both have a saver. Who's 401-67? Probably me. bill bill bill okay 401.67 minimum monthly payment 25 bucks immediately spending way more on it than you spent towards it of course there he is there's the titties Olive Garden Just Pizza Outback McDonald's Taco Bell Popeyes Panera Bread McDonald's McDonald's John's Pizza and Subs McDonald's Domino's Ted's hot dogs, Wegmans.

1:18:12Well, Wegmans is sometimes groceries, right? Sometimes, yeah. I'm sure it probably wasn't in your case. Olive Garden, Domino's, KFC, Domino's, McDonald's, Olive Garden. It's all bullshit! Not one purchase on there, not bullshit. We didn't even eat the Popeyes. What? We got it and it was disgusting. So we just didn't eat it. So we went out to eat somewhere else. You've never had a food that you didn't love. I'm actually a very picky eater.

1:18:43Are you sure about that? Yeah, you only get slop fast food. Yes. I don't eat like a lot of red meat. I don't eat pork hardly. It's doing so well for you. Yeah. Yeah, clearly. Only on the greens and chicken. Chicken and pizza. Yeah, he has a pallet of like a three-year-old. How many calories do you consume a day? at my peak was probably 5 ,200. What the f***? That's crazy. How about just now? Well, no way it's not over at least 3 ,500. Well, now I've been losing weight for a little - Lies, impossible. I just, look, I have the food here. I eat one meal a day. Okay, then it's a big binge. Yes, it is.

1:19:28It's a massive binge with more calories than anyone could consume in a day. That binge is about 2 ,500 calories. You are not just at 2 ,500. You would be substantially losing weight at your size and height. Again, I started the diet somewhat recently from November. Okay, well, this literally, November, no. This was getting Olive Garden, not anything lean and healthy or McDonald's, in the middle of December. That was a few weeks ago. F*** you. What are you talking about? Liar. If I eat like shit and I only do that once a day. You might gaslight her on a daily basis. You're not going to gaslight me.

1:19:54I see this shit on a daily basis. F*** you, man tits. What are you talking about? I got man tits too, so I can say it. If I eat like shit once a day, it's still not worse. Calories in, calories out. There is no way you're doing 25-100. You would be losing weight. I do not believe you. I am losing weight. I do not believe you. Since November to now, I've lost 18 pounds. Not with the 1 ,500. How heavy are you? I am currently 330, basically. 330? 18 pounds in a few months is actually a pathetic joke. That's water weight lost in two days if you were actually dieting. Yeah, from these earlier in the year, I lost another 30 pounds.

1:20:33You only lost that 30 pounds when I was dying in the hospital. I had lost it well before that. I had just helped keep it. When I would go home from the hospital, I would binge because, you know, I was scared. But, yeah, I would eat a lot when I got home. I hope you're losing weight. I'm just struggling. I'm believing it. That sounds like you took a couple steps in your body. It was like, oh, this is the first time I've ever seen this. And you lost 18 pounds in like three months. Discover card. Who is this? Me. Well, Bill, seems to all be you. And surprise, it's McDonald's and a firm. Oh, there's your minimum payment for a firm.

1:21:13$24.54. Good, we can put that to the earlier one. Okay, well, I don't know what you owe on this asshole. That one is currently, I believe,$6.60. What's your minimum payment? I think$40. Okay. Jeez. Okay, who's the quick silver one? Yeah. Me? Yeah. And Miss Brittany. Did he push you to open this one? Yes. Of course.

1:21:44Bill, what is wrong with you? We were doing well at first with it. Oh, shut the f*** up. I'm not listening to this. $291.46 with a minimum monthly payment of$29. You spent more than you put towards it, of course. Inches are crude. Wine and spin. Yeah, let's find another way to kill ourselves, guys. That's smart. Maybe groceries, maybe bullshit. I don't know. Uber? Do they even allow that? Yeah. Yeah. Okay. Amazon Prime, PayPal funeral, 285. Aren't you supposed to be getting paid for funerals? No, that was for one of the exams I had to take. Ah. Is that person dead or not? Yes, passed. Taco Bell, Starbucks.

1:22:33Groceries are not, I don't know, Patreon. F*** you who. Guaranteed it's not as good as Hammer Elite on YouTube. Guaranteed. It's a Reddit podcast. Told you. Told you. I knew it. I knew it. You're the people that tried to cancel me endlessly. Platters, chocolate, and some bullshit. Or groceries. Hard to tell. Interest fees. Late fee already this year. What are we doing? Late fees on yours. This is a year card. there were late fees on it yeah i didn't know i actually don't have your login for that i don't have your username i didn't know there was a lathe on it i don't i again i don't have the login for that so well brett here's your saver card brit denis that he made you open 476.67 with a minimum monthly payment of 25 $476.

1:23:29Well, it was all spent on there. That's for full plate eatery. What is this full plate? You always get full plate. What are we doing? No, not full plate. No. What was it with the chocolate? I don't remember. I have Pizza Hut, Swiss chile, cheese pizza. Yeah, we really are pizza obsessed. Mighty Tacos, Tully's, and McDonald's. Don't you have diabetes? Yes. Why the f*** is this even an option? McDonald's You're not Even the salads there Are like a thousand trillion calories Why are you getting McDonald's? I can't cook Neither of us can cook Okay That's like a literal It's impossible Not to be able to cook It's so Can you cook something incredible?

1:24:09Maybe not But Cooking a burger As you make a patty Which you probably shouldn't do Just with the situation Neither of you But even so Stove Flip Done Not complicated I'm not great at cooking either I have the cookbook. I worked with a professional chef on it. You guys will get the cookbook for free, the meal plan, all that good stuff, and the grocery list that is in the debt class and part of the Master Your Money program. But chicken salad sandwich, easy. That is not cooking. You don't even have to cook. Overnight oats, it ain't cooking. Not cooking is not an option. You're dying. You're literally dying.

1:24:48Remember when you almost died? That wasn't fun. What's that fun? No. Let's not do that again. I still can't cook. We try. We try to cook. We make food and it ends up terrible, so we just end up going to get takeout.

1:25:07I mean, even the pre-prepared meals from the grocery stores that you warm up is cheaper and healthier. Just do that, even. They are not cheaper. Then going out to eat, yes, they are. I have done them. I do them. They are cheaper. A 20-piece McNugget with two medium fries at McDonald's comes to$16.11. At the grocery store we go to, there is pre-prepared chicken filets that does not include a side whatsoever, and those alone are$16. Before tax. Don't get the filet chickens. But I like chicken. You get fucking raw chicken. It's so easy to cook. It's a timer. Whether or not you can season it. There's like pre-packaged seasonings.

1:25:51Guys A full thing of Tyson's F***ing things that you put in the oven is cheaper We can't cook it Can't cook it, it's already cooked It's already cooked It turns out terrible It never tastes fully done It always just gets thrown out Oh f*** man, I don't know What is this, a lease? You leased something That's probably the couch That's probably Aaron's We are leased the couch Good luck. You're at least... Who's on the couch? Is it both of you? Just me. Oh, Bill, I don't want to see what the f*** your seat looks like. The payments on that are, I think, 50 every other week. Are you signing yourself with a DD table?

1:26:38What's a DD table? It's a drop-down table. Like, the middle seat of the couch can... Where do you eat McDonald's from? Sometimes. Yeah. It's$84.99 a month. With a balance, it's like$2 ,000. It's so stupid. Insane interest rate. The balance is not$2 ,000 anymore. It's like$300 max. Well, I know that you're not going to be able to resell that. So you spent, well, it's going to be$2 ,000. You have spent$2 ,000 over the course of the payment on a$600 couch. Yeah. $2 ,000 on a$600 couch. And that's why I want to rebuild my credit by taking other payments. Yeah. Uh-huh. Die. Okay. Is this another thing?

1:27:24Is this different? Is this a separate thing? Do we know? It's probably just page two.

1:27:31Okay. What is this lease? Okay. I think this is another, this is the same thing again. I think. Okay. Payment schedule. I think this is for car. Yes. Wait, no. 91. No, this is, I think the same. Okay. That's the same thing again. Jeez. Okay. It's like a thousand pages for that one document. Okay. Here's the car at a 15.36 % interest rate. We could have done a lot worse. Yeah, there's always options for worse, Bill. So this is one of our biggest arguments to date is this car. I don't see the car as all that bad. I'm not a huge fan of the car in particular. What is it? It's a 2022 Kia Soul. You fit?

1:28:12It's her car. It's worth$16 ,000 when you owe$19 ,000. $97 ,000. yeah so originally when my car died we needed another vehicle and for that vehicle we could have gotten something cheaper ultimately this car was 17 000 but then dealership fees and we added the warranty whatever um it came to about 22 and the monthly payment on it was about 438 when we got the when we got a car wait this monthly is 438 yeah that is the yeah that's what I'm talking about. That car, what we, when the Explorer died, we wanted to get a car that I wanted to get a car that we wanted. I didn't want to just get whatever cheapest car that we could afford.

1:28:59I wanted to get a car that we wanted that was within budget. Originally, we looked at a 2011 Kia. You missed three payments last year. I don't even care. You missed three payments last year. The interest rate's insane. The minimum of the payments, Stupid f*** you. Missed three payments? Oh my f***. Late, late probably missed. No, not missed. Fine, late. He was late. You didn't tell me it was late. You didn't tell her it was late. It was not late enough to hit credit. I don't give a f*** if it's late enough to hit credit or not. It shouldn't be late at all. Yeah, it was, I don't keep an eye on the bank accounts.

1:29:36The auto pay failed and got returned. Well, what the f***? How many times until you learn your lesson, dude? Don't say, now I've learned my lesson. Well, I have. No, fuck you. I don't believe you. Fuck you, dude. Student loans from Miss Brittany,$6 ,725.90. Yeah, those are on auto pay. Yeah. Minimums, have they started yet? Yes. What's your minimum? I believe 80. 80 a month. 80 a month. I think it's 81 and some change, but 80. I'll say 82 if it's 81 and some change. Dude, it keeps f***ing stuck. The settlement offer, what? $9.40? Oh, they sent you$5.64 for a settlement. What is this? That was one of the medical ones.

1:30:22Which one? I have no clue. Was that one the taco? No, that one was higher. Did you almost die from a taco? Yes.

1:30:37How do you guys do all the fattest things? anyone's ever done. How do you almost die from a taco? I choked on a piece of the shell and it was like stuck in my throat. You thought it was stuck in your throat. Could you breathe? Yes.

1:30:58What? You had a panic attack. Probably. Then went to the emergency room for it. Okay. Okay, well that's 564. okay start checking account with eight bucks joe's well quick mark you went and got an energy drink or something snack i mean you make your gamer steps at home so you better not be doing energy drink this checking account 198 bullshit bullshit hulu prime video regal cinemas regal cinemas bullshit 365 market yeah it looks like bullshit though potential bullshit of groceries you got i think hammer elite which thank goodness because it is the best number one membership on youtube for a reason.

1:31:39Amazon Prime Video. Cursor AI. What? Never even heard of that. Bullshit, bullshit, bullshit. Dollar Tree. Bullshit, bullshit, bullshit. Premium. Bullshit. HBO. Amazon. Venmo now. eBay. King's Isle. Bullshit, bullshit, bullshit. Crunchbase. Amazon. Bath Body Works. Wegmans. Bullshit. This checking account 141. Do we not have retirement accounts? nothing in there no listen guys there's obviously larger issues at a whole but i will attempt to make a budget you did miss 125 and overdraft fees okay well i'm not surprised you guys are horrendous financially and then you're a horrendous individual and then you're not being able to cook is very weird and being jealous of careers is also very odd when you chose it like trust me we got issues across the board but i know the one thing you want me to bring up and confront him on we will do in the post show that is coming very, very soon.

1:32:37Income of the household, it's about to be 7 ,700. If we're combined, I recommend being separate actually for her sake. This episode is brought to you by State Farm. Listening to this podcast, smart move. Being financially savvy, smart move. Another smart move? Having State Farm help you create a competitive price when you choose to bundle home and auto. Bundling, just another way to save with a personal price plan. Like a good neighbor, State Farm is there. Prices are based on rating plans that vary by state. Coverage options are selected by the customer. Availability, amount of discounts and savings, and eligibility vary by state.

1:33:21But that is an off-camera conversation. Minimum monthly payments has, I mean, it's chunky, but strong household income,$813.74. What's our total rent? $1 ,125. Okay. Utilities, electric, gas, internet, all combined. Water. How much? $250. Gas, vroom, vroom, drive, drive. That one's going to be a lot higher because of... How much? Because of the heavy load? Yeah. Probably $400. Phone bill? $90. Car insurance? 200.

1:34:07700 for groceries. Usually I do 600 for people. But a little bigger, a little more complicated. Might have to do a little more pre-prepared. 700. TP, find anything else to survive? We'll do 200. Tampons, all the good shit. Haircuts too. You can get haircuts. It's okay. It's okay. Fuck you. Okay. I assume you're losing your hair already. Yeah. So you'll be fine. Let her get haircuts. Medical healthcare. Co-pays? Anything? That one, a lot. Like$500. Okay. Jim? No. Okay, can I put one in? Yeah. Please go. $50. We might still be paying for one. I'll put$50 there. Do you have any pets? No. Good. Subscriptions, I'll put$50 so you guys can share.

1:34:55Anything else I need to put in this budget that I have not? No, I think that's it. Maybe dinosaurs? since you said that's part of the reason we're in debt. My dinosaurs. Well, we'll see if there's a dinosaur fund.

1:35:11Okay, listen. You got an extra$3 ,321 left, so I'll give you$321.26 for fun, and you have an extra$3 ,000 left. Okay? That helps you guys get to the finish line. Okay, so let's take a look at this debt. um collections obviously will pay off for the credit score purposes but that will be last i guess there is additional medical debt that he didn't see but like 6200 okay either way our total debt position is 44 774 and i'd get on a payment plan for those medical debts 34 cents but i will minus the student loans of 6725 and 90 cents so 38 ,000 48 dollars and 44 cents with three thousand dollars a month that's only a year i mean you guys are fine but that's i don't think that's the bigger conversation but you guys are fine then you can do a fully funded emergency fund catch up on your retirement 50 30 20 that's all good that's obviously not the issue here and you know the issue and we're going to talk about that in the post show but let's get the hammer financial score first there's also an extra there's also an extra debt that apparently you don't know about that lindsey just learned about when you guys came into the office today.

1:36:26So I will let you know what that is in the post show as well. And then we'll have the big conversation as well. Let's get your hammer financial score though. Get chosen at Calebhammer.com. Spending in a budget. You overspend 0 out of 10. DAT collection 0 out of 10. Emergency fund nothing 0 out of 10. Retirement nothing 0 out of 10. Real estate nothing 0 out of 10. Hammer financial score 0 out of 10. Also, f*** you. Also join us in the post show. It's, I mean, you know, this is about to be the most insane one pretty much ever. Click the join button. See you there. She said it's gotten physical a couple of times.

1:36:51You literally said, I'm sorry for the times that this escalates. Escalates does not mean physical. Escalates means, you know, a larger fight. With you, sometimes it does. The one time you threatened to break my jaw. I don't think that if you guys are in an argument, there is still ever a time to put your hands on her. I said, if you hit me, I will hit you back. And I guarantee you, I will hit harder. Camera Elite is the best YouTube membership on the platform. And I just upgraded it. New dedicated premium shows every single day, Monday through Friday. Join with the link in the pinned comment or description below.

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