Financial Audit's Most Evil Husband

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27:56and conditions apply. Need a hiring hero? This is a job for Indeed Sponsored Jobs. Obviously, it's not ideal to do that. And I do my best not to. I've dozed off. I'm not going to lie to you and say that I haven't dozed off and fallen asleep when we're not having a busy night. So you can get stuff at home. That's my argument there. Yeah. I mean, to be clear, with the spending and a lot of things you do, not the clothes thing, but we do know from what we looked at that you are the aggressive spender on bullshit. You are the villain there. Right. But you're kind of the villain of being lazy at home.

28:34And I feel like you're almost taking it out and just going and swiping, which doesn't necessarily help us in the end. Right. As a household. Listen, if he is - But then sometimes you need like a break. I agree with that. And I want him to step up so you can, but you don't get revenge. You don't also bring down the household by being a fucking menace on the outside. You do financially, though. Okay? So listen, just because someone's not stepping up at home doesn't mean you can just not step up outside the home. Okay. You can't fuck it up. Can we take a little break? You need a break? Yeah, can we just take a little break?

29:12Okay, we'll take a break. I'm honestly very tired. I would not be crying right now. I'm very tired. That's okay. Your mother. You see that? Yeah, I see it. she's not afraid to tell me when she's overloaded either. It would be nice if you listened. You know, it'd also be nice if you didn't go spend money you don't have. Fair. Because that's going to add to the stresses of the household. A man now stepping up, not helping the house, that's going to be a reason for divorce at some point. Financial shit in the house, that is a leaving cause for divorce in this country. Do we want to get divorced? No.

29:49I don't read you guys as a couple that wants to get divorced. So it's not something I would advocate for in you guys. I don't see that. But are we surprised that the household is rocky right now? No. When you both up in two very clear directions, and neither of you seem like you want to make any ground in making those situations better. Like you make the good talk, but you don't sound like you're trying to do any better at the house. You don't sound like you're trying to do any better financially. No wonder he's not willing to, it feels like he's hiding shit. I don't think he's hiding anything.

30:17He just isn't forthcoming with it. Yeah. I'd be nervous too if you're going out there and f***ing around constantly. And in the financial conversations I'm being had, again, again, this is the pre-interview. A couple of the things that I said were kind of wrong earlier from what he said. Like the, you know, he was like, oh, fine. Well, you know, we'll stick it out because he got pregnant. Well, apparently that wasn't true because it was a timeline issue. And then one other thing I said was kind of incorrect. That's because he told Lindsay that pre-interview shit before you were coming on. So it was going to be a defense mechanism.

30:47So the story was going to be a little different anyway. It sounds like that he was going to tell. Well, that's interesting. I don't know, but you guys say different things. So I don't know if this was pre you coming out or not, but he always says that I'm always giving in to her. I'm always giving in to her is what he said. Is that true? Yeah, absolutely. What does that mean? It means that I am very persuasive in my arguments. By that, he said he says no and you get angry and then he's just like, fine. I don't always get angry. I do not always get angry. I mean, I love with a woman. Any time that you have said, I want to get this, I feel like we need this.

31:30And I say, well, no, we don't have the money to spend on that. Or that's just not something that we need right now. Then it is immediately anger. I mean, let's go back to a couple months ago, whenever you were wanting to get a Dyson vacuum. We had two working vacuums at the house. Okay, they're both really, really crappy. We got one of them from your parents. And it works. It had to be a Dyson. I just said I really liked this one because it doesn't have to plug in. We don't have to carry it up and down the stairs. And as the person who cleans the house, I think that I get a little bit of leeway in what I would like to use to clean our home.

32:12Women love to clean. and they all have to cook steak. Dude, all women are the exact same. My girlfriend's asking for the exact same thing. Look, and we have cleaners. So what the fuck is happening here? I would kill for a cleaner. Okay, well, they're cheap and you guys make a lot of money. I'll be honest. Which, by the way, you specifically wanted the Dyson because the last time we tried to find a cheaper alternative to Dyson, we got something else and it broke very quickly. And they didn't have any replacement parts. And then we replaced it with something different. Had two working vacuums at the time that she was requesting this Dyson.

32:43And I said, no, that's crazy expensive. We don't have the money to spend on that. We have two working vacuums. Immediately, she goes, when we combined finances, you said that you weren't going to be controlling, but this is the exact controlling behavior that I was trying to avoid. Why, asking for a vacuum? Yeah, apparently denying a vacuum when we have two working vacuums is controlling. When one of them weighs like 20 pounds and you're carrying it up the stairs and you're the one doing the most of the work and the other one is so small and compact that it's not meant for like room vacuuming.

33:15Our whole upstairs is four bedrooms. It's the master and three other bedrooms and it's all carpeted. Yeah, how much is the vacuum? One of them was like 500. Guys, you make 200 ,000 hours a year. I don't think you understand that. We're hemorrhaging money already. I agree. I think now this is a household beneficial tool potentially, but where's all the money going that would go to that instead? To a miscellaneous shit. There you go. billion monthly payments that we have to make. It's a billion monthly payments. It's eating out. Exactly. But again, it wouldn't get out if I had help. You can't do that.

33:51You can't do that and get that kind of bullshit. Or, well, get a vacuum like that if the money goes to the bullshit. You can't. A thousand dollars went out to eat last month. A thousand dollars, you make $200 ,000 a month, but a thousand dollars going to food, eating out actually, because groceries was an additional thousand. So two thousand going to food. That immediately means No, you probably don't get to have a$500 vacuum and shit. Especially when unknown shopping things we don't 100 % know. Could be bullshit. Could be not. Was an additional$1 ,800 the previous month. $1 ,800. Other large purchases.

34:23These are big purchases. Might be bullshit. Might not be. $2 ,400. So now we have a potential bullshit amount of, oh, and then miscellaneous bullshit and additional$700,$5 ,000, by the way. So what are we at? or like for a potential$4 ,000 or$5 ,000 in bullshit? Potential. Autzes meet in the middle and say minimum$2 ,000 on bullshit. Yeah, you could get a vacuum. Why are we spending$2 ,000 on bullshit instead? Because it's random little things that we want. Well, there you go. Then you don't get to have the big thing. Even if it makes your life better, you don't get to. So it's all her? Yes, absolutely.

35:01Oh, so you didn't pay someone$500 to get a pair of boots, which you've never f***ing gotten? You didn't pay someone to do that, and you've never gotten the money back? You've never ordered clothes from Adidas online? You've never paid for golf? That was$70 of clothes. Okay, but you've never paid for golf? You didn't go buy a new iron for golf and spend a little bit more and get other things? Yeah, I used a$300 gift card that your sister gave me. And you spent more than that? Yeah, by$90 for two golf clubs. It's all me, though. And you didn't go buy these new pants? Not these pants. Oh, well, you bought some similar.

35:34I've had these for over a year. But it's all me. It's all her? Yeah, I see how the conversations go in this household now. So you just kind of like blow up. Okay. Yeah. But rightfully so. You're sitting here telling me I'm the problem. You're sitting here telling me I'm the problem, that I'm the one who spends all this money on clothes and all of this money on random shit. I have, what, four outfits in the last, I don't know, six months, four months? I mean, Callie told Lindsay that she holds grudges against you. Yes. And I feel like I'm seeing them now. Oh, yes, she does. What are these grudges?

36:09Because if that continues consistently, that's not necessarily healthy at all times. It's continuous behavior that's never changed. What's the grudges, though? It's grudges against money. It's him telling me that I shouldn't go do stuff and then blaming me for our financial mishaps when he also spends money on random shit. $25 every other night at the gas station on Gas Station Food. You love to cook so much. Cook your food. lunch and take it to work. I mean, when I have the kids and I have to keep them quiet, it makes it difficult to make those meals during the day. But what are we talking about?

36:41You can meal prep a couple times a week. And you can open the back door. You can go, oh, can we bleep? Yeah, all their names are bleeped. But he can go outside and play. The other one can sit in a high chair and watch you work. He loves to watch you do things. And then our oldest goes upstairs and plays and does whatever she wants to do. Or she hangs out with me 98 % of the time. So I'm very confused. Yeah, but then the second one of them, let's say the middle child comes back inside and he starts making noise because he's a rambunctious almost two-year-old. The second he makes a sound, it's blowing up my phone.

37:16I'm on a call. I'm on a call. If I'm on a call, I'm on a call. That's a serious thing. I have to work. If you want, I can quit my job and our$96 ,000 additional income can go out the window. Obviously, that's not what I want. But when I'm getting those, exactly. I'm recognizing that your work is important and that you have to be on those calls. Okay. But when I'm getting those messages, the second I'm trying to do something. Am I on a call seven days a week, 24 hours a day? I mean, obviously not. I schedule my stuff for two specific days a week that are my calls are, my days are filled with calls back to back.

37:49And 90 % of those calls, I'm on mute. You can come park one with me, park one with my sister, and you can meal prep. You can cook dinner for the afternoon or evening. You can put stuff in a crock pot. Hey, that takes so much off my mental load and so much off my plate. Okay. Wait, the sister lives with you guys. The sister that you said could help? Mm-hmm. Whoa, whoa, whoa, whoa. But she doesn't actually help that much. We're figuring out. Well, but via request, or she's just not stepping up. Has she asked to help and she doesn't? Sometimes yes, sometimes no. Is she renting from you guys? No. So the agreement was that she was going to move in with us.

38:26where we live was going to be a better place for her than where she was living with their parents. And instead of paying rent, she was going to help out with the kids. And help clean. And help clean. So she's supposed to be stepping up a little more than you for the kids. But she also has a full-time job in which she works Tuesday through Saturday. But she's not paying rent. No. Then make her pay rent. Okay. Well, right. Like she has to pay in one way, help with the kids or rent. Right. So if she's not helping out in the originally agreed upon way, It's got to be financially. Which he never goes and asks her for help.

39:00So it's hard for her to just offer it if you're not going to. And circling back, we had both asked him, put the kids with one of us if you need help or whatever. And then he just didn't. And then Togger coloring on the couch. Right. And then even though she offers to help sometimes, I still, deep in my heart, these are my children. They're my responsibility. Your responsibility. And so I have a little bit of trouble pushing the burden of my own children off on someone who... But that's literally why she's there. I think this house is kind of toxic, guys. I think it's gotten to such a toxic point and it's going to take a big lift to pull it out.

39:40Just toxicity with the sister, toxicity with the... She even said just like, she doesn't even like getting gifts from you because it feels like there's always strings attached. Like what the fuck? If we can't even give gifts at this point? Yeah. Where is this relationship? I don't understand. someone educate me on that topic please we had a fight on my birthday so we did not celebrate my birthday and then two or three days later he takes me to get a locket that I've been wanting a locket for a while it's one of the things I've consistently gone back to I wanted a locket so two or three days later after I said fight after I questioned is that what we're doing for my birthday we're just going to fight and then do nothing then he gets the locket I had mentioned I don't know in a few a few times over the years that having nice underwear is a good thing but then he buys it after fights or for whatever reason and phrases it like well I mean it's for me too it's no longer a gift if you're getting it for yourself and the obligation is for me to that's strings attached I don't know as far as the birthday thing goes we had a plan for her birthday my parents offered to watch all of our children so that we could go have a nice dinner for her birthday.

40:52And I don't remember what caused, what changed her mind. I said that we should do something for our home that would improve it. That way we could improve equity whenever we sell. And instead of spending$300 on a steak dinner at Bistecca, that we should go get stuff to make a patio. Yeah, that's right. And then we had a fight about something else. Yep. So instead of going to dinner, she made the decision, and I verified this several times with her. Which is fine. But then we still had a fight. That we were no longer going to do the dinner. instead we were going to allocate that money into supplies to build a patio and then who knows what we fought about that day she said screw it we're done we're not building this patio and then we didn't do anything on her birthday okay guys this is just what the everything's a villain fight horrible but he did tell Lindsay something before you were supposed to come up He said he hasn't had the stomach or the will to say it.

41:54Remember what that was? Mm-mm. No. Oh, no. Now you conveniently forget. I don't remember. Brother. I've slept since then. He has an out plan. I have an out plan. Buddy, these are your own words, man. Though you're not there yet. and he hasn't said it to her, but he could walk away if they don't get their finances in order. Not there yet, but he's waiting for the right conversation that would give him the leeway to say it. Well, we've had tons of those conversations. Was? I've had tons of conversations where I said, this is not where I want to be in five years. I don't want to be here financially or like relationship-wise, marriage-wise.

42:44I don't want to be in a relationship where we're fighting constantly, where I'm doing 90 % of the household work and child raising after birthing them and feeding them. I don't want to do this if you're not going to be an active parent. So both of you were giving them an out? We've had those conversations. I don't have an out. I don't have like a backup plan. I'm not trying to have - How many times have you talked about your plan for if you leave me? If I leave you, I'm living alone. and the kids will go to you for a week and back and forth. That is literally the plan. That's called divorce. Why?

43:22How frequently is this brought up, guys? I need the rest. She has had several conversations about... At the Home Depot, get up to 15 % off all installed carpet projects for a limited time. Featuring brands like LifeProof, LifeProof with PetProof technology, Home Decorators Collection, and Traffic Master. Take your pick of carpet built for real life and designed for real comfort. Plus, with installation starting as low as 49 cents per square foot and a free measure to get you started, we'll handle the hard parts for you. Offer valid July 16th, 2026 through August 2nd, 2026. Exclusion supply. For licenses, see homedepot.com slash license numbers.

43:58You know, or several conversations about leaving me, the idea of leaving me. It's not something that is in my head is the topic of leaving. But you have an out. But you have an out, yeah. So it clearly is in your head. You can't say one thing and then act like another and say that it's not there when it is. Not to Lindsay, but one of our pre-producers before her is where the message is coming from. I mean, I hate to sound like I'm backtracking, but I truly feel like that is a misunderstanding of the words that I said to her. I really do. Before she was supposed to come on, how close have you gotten to leaving?

44:37I know one of you have left before, and then the kid. Yeah, pretty, pretty close. When? A few, a few years ago. It just, we were living with his parents. He refuses to say anything. Well, we had, we had just left Lubbock and we moved down here and then we had to find jobs. So we stayed with his parents and he refuses, God, I could not tell you why, to stand up and say anything to his parents. Like his dad will not turn on the air conditioner upstairs and that's where we were living. And he will go up there and turn up to like 80, 82 degrees in the middle of summer. but then leave all the doors open.

45:12And he rises in a two-story home. So it would be 98 degrees up there and it would take like all night to cool down. And he would just never say anything and never defend me or our kids or anything. He almost laughed. Yeah. So I didn't stand up to him at that time because his only request was to stop keeping it at 69 degrees. Which it wasn't. It was at 75. day every single day so when it wasn't it was at 75 and it's hard not to keep it at a lower temperature when they don't even run the downstairs one and all that heat is rising so even if it was set at a set like a set temperature if they would have turned on their downstairs one hey we just had this conversation about hvacs and how if you turn them off it makes them work harder and your energy bills increase because you're running more power to get them back to a normal temperature that's what continued to happen because you never stepped up and said anything.

46:11Be honest here, guys. Has anyone ever looked for apartments? Just on the DL, just looking to look. He told me to and I did. Oh, you told her to? We had a big issue. Around that time, we were going. What the? Look, we were going through a serious, very serious rough spot in our relationship. And at that time, I wasn't sure if I was willing to stay in the relationship. With the dad thing? That was it? That was a lie. There were other things going on. One of those things is on our list that I don't want to bring up. Okay. I don't think I know it, but. But no, because of what was going on there, I wasn't sure if we were going to continue in our relationship.

46:51I suggested that she start looking for an apartment and she looked for a little bit. And ultimately we decided that we were just going to stay in our relationship. We were going to try to work through it. And for that issue, we have. Yeah, we have. We have for that. but that's like the only time where we have really considered either that's the one time I've really considered leaving um and then I mean there's like the little petty squabbles where we talk about it and I tell them I don't want to do this if this is what our life is going to be like I don't I I don't want to feel like a freaking brood mayor where I just get bread all the time and I it's my responsibility to have a job and clean the entire house and take care of all of the kids.

47:31That's a lot for one person. That's literally what I feel like. I don't want you to feel like you are just a broodmare and I'm the stud that keeps putting kids in you. But I mean, when I'm on two hours of sleep after being awake for 48 hours. Which I agree with that part, Another week you work 25 hours. Right. So after that 25 hours or 24 hours of work, there's times where I've been awake for 48 to 50 plus hours through those days of work, and now I'm responsible for these children. Your children. Yes, they are my children. Absolutely. And I have to do something and keep them entertained and keep them quiet enough for her to work.

48:24Do you guys totally trust each other? I don't trust him with our kids, no. That's not the greatest thing to hear from our wife. I've told him that before, that I do not trust his capabilities in taking care of our children. He can't stay awake. I had to go wake him up last night to put our middle child down because he fell asleep putting him to bed so that way he would get up and take a shower. What's your diet? What are you doing? You're fat. I'm fat too. But like, I'm not like responsible for people's lives and children. So if you can't stay awake, we're having issues. Right. Well, I typically have to rely on caffeine to keep me awake.

49:04Right. Why not get healthier? I've tried. It's, it's a shard. I've, I've tried. I've tried. I've, I've been thinner in the past. I'm just about the biggest I've ever been right now. Oh, that's not good. No shit. You're falling asleep. Yeah. Fatty. What the f***? Why aren't you eating less? Or just better? Better. I definitely need to be better. I do work out. I take the boys to the gym with me. Okay, you can't outwork a bad diet, right? That's my issue. I'm relatively active sometimes. That's always been my big issue. We've been playing rust recently. Now I'm not. Rip. Worth it. I like just eat better, dude.

49:42I know. Are you the f***ing donut and coffee guy? No, no. Not the donut, but definitely the coffee. I really try to stay away from donuts. The coffee's okay. But coffee's a problem. What? What's wrong with coffee? It's a problem for me. Why? Because I need it. I'm addicted. Well, yeah, but like caffeine's one of those like addictions where it's like not even like an addiction. It's like upside. No, it is an addiction. It's just like upside though. Yeah. Unless you're just like, what are you doing? Like fucking fitnesses? It could be. Can we? What the fuck are you on about? I'm just saying like if we're talking about addictions, at least it's addicted to caffeine and not.

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50:49which for larger people, fatties, is not necessarily best for the heart. What are you eating, man? Because if you're falling asleep, I'm concerned. I'm concerned. Like your health must not be the best. So, I mean, I kind of just eat what's already available. Like when I'm at home, really when I'm at home, that's when I'm eating at my worst because we're not always taking time to prepare meals. We don't always have good stuff for making, you know, lunches and I just kind of eat whatever I can get my hands on. We do have all the stuff to cook though. I spend$1 ,000 a month on grocery and I build out menus.

51:28So we do have stuff in there to cook. The issue is that what he's saying we don't have food is we don't have easily ready food. Meal prepping then you do. You have to cook it. Meal prep a couple of times a week, guys. What the fuck are we doing? I love meal prepping. It makes it so much easier. Why don't you? I just struggle to actually make the time to actually. What, 24 hours every other week? Huh? Yeah. You can milk prep for two weeks and free stuff. We did it. I did it for postpartum. We're not going into detail, but is there ever a situation where you might be required to run? Absolutely.

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55:03But it's not for a long distance. And that might be necessary. Right? Yeah. Buddy, if you're falling asleep, come on. If you're falling asleep, come on. All right, what do we think our household financial score is, all combined? One. Well, I think two, two and a half, three. Okay. if you watch your Hammer financial score, figure it out, take the assessment, take that assessment for free at calefhammer.com. Just takes a few minutes and you can see where you stand in the world of money, where you're doing poorly, where you're doing great, what you need to do to become better. Usually what most people need to do is use a budgeting app and we've made one for the people on this show and for you and for me.

55:42It's called DollarWise. Take the free trial. It comes with the 30-day budget meal plan and the digital version of the cookbook for those who sign up for the annual version, which also saves like 50 % on the subscription, by the way. But take the free trial, I'll see if you like it. I'll sign that and I'll mail it directly to you. So there you go. No more excuses. Use it. There's recipes. It's easy. It's simple. It's budget friendly. No more excuses, guys. Again, minimum, minimum 2 ,000 on bullshit last month. Likely upwards of like 3 ,000 or 4 ,000. What hits our account on a monthly basis? I didn't get that.

56:11I know your guys' gross income is large, but. So my checks come in every two weeks at, oh, what is it? 30, just about 3 ,100. Okay. And then you? I get 56 a month. Yeah, hers come in at about 2855. Okay, so 11 ,800 net. You guys are killing it. It's so upsetting. It's always the people who are like killing it on the income scale. They get even worse on the finance scale because you get access to more tools that will destroy you because you are not credit card people. Yeah. You're not. Want proof of it? Quicksilver one. Whose is this? Are we all on cards together? Buddy, what are you doing? I thought she was the problem.

56:54Huh? Huh? Yeah. What are you talking about? This is a big problem right here. Mm-hmm. You know what happened on this card? I don't know. Is that the one I wanted? Because I know you have two. Yeah, that's the one that you're an authorized user on. Oh, maybe you are making problems. Well, I haven't used it in almost two years. Is that true? My card is locked. I haven't used it. I went to go get gas, and I was like, hey, I don't have the debit card with me, and I'm at a gas station that doesn't do tap pay. Can I use this? And he didn't respond quick enough, so I left and went somewhere else with TapPay.

57:24But the card is locked. I haven't used it in well over a year. Card is locked? Yeah, because I'm on the account. You're locked. My card is locked. Not the card. You're locked. Well, I'm on the account. I don't have access to it. I can't even see the balances on it. What? Why? I just made her an authorized user, and the app has always just been on my phone. But didn't give me access to the account. I don't know. You've got a Capital One card of your own too, so take that up with them. But we're on this. You can't see it. Okay, how can we say she's the problem? When you had a balance, he had a balance of 927.

58:00Okay, that's large. It accrues interest, whatever. With your income, you can kind of pay it off. But he made the minimum payment of$35 only. Nothing else. No progress. Avalanche. Avalanche. And then he spent$2 ,000. Why the f*** did you put$35 to it if you're going to spend$2 ,000 accruing interest? $57.66. new balance$2 ,900 minimum monthly payment$87 your kid oldest kid will be not only out of high school but will also be out of college and also a couple years into his career because this takes 17 years to pay off minimum monthly payments only with no additional purchases which you're incapable of so what the f*** is the problem that doesn't look like a problem to me that looks like you what are you talking about Huh?

58:50What are you talking about? Rack attack. We bought a car rooftop cargo system to go on top of the car. On an interest-accruing credit card. You can afford it, but why not put it on? You can't pay off this credit card. You're not paying off this credit card. You only put the minimum towards it. Why not put it on the debit card? Because we didn't have$1 ,800 ready to go. Then did you get the rooftop thing? We needed it. Why did you need it? We were going to die? Obviously, we weren't going to die. Then why did you need it? So we were taking a road trip to see her parents. Okay, didn't need it then.

59:26We've got her SUV that is loaded down with children, plus the kennel and a dog in the back. Didn't need to do it. And then we didn't have any room for our stuff. You didn't need to go on the road trip to survive? What the f*** are we doing? I think it's important to see family. I think it is as well. Sounds like they can afford to come down. I won't let them stay with me. What? They smoke. And I don't like them smoking around my children. A couple days at a hotel is cheaper than this. Because you spent almost$2 ,000 there. They refuse to stay in a hotel. They refuse to get an Airbnb. What? They only will stay at my house.

1:00:06And you won't allow that? I won't allow that. What the f*** is wrong with these people? What is wrong with you people? What the f*** is happening? Well, I've made very clear rules. Don't smoke around my kids. I don't care. Yeah, that's fair. Why can't they stay at a hotel or Airbnb to them? Or why can't they just not smoke? Okay, well, they're addicted to it. I would also agree, but... Nicotine patches exist. Okay, and Zins and all that good stuff. Yes, yes, yes, yes, yes, I agree. But also, why can't they stay in an Airbnb? Because my mother is worse with her finances than I am. Where do you think I'm...

1:00:32I agree it's important to go. You didn't necessarily have to. And even if still, there may have been cheaper solutions. 2 ,000 blocks there. Yeah, but that's something that we're going to continue using. Sure, and you know what else you'll continue doing? Paying interest on it, because you don't do more than a minimum to payment. Then you went inside some store and I think got some energy drinks or coffee or something. Yeah, probably. And then Amazon. Did some Amazon. Okay, let me look at this Amazon. Amazon, sir. Let me see. I haven't spent on Amazon in a long time. Oh, so you do spend on this car.

1:00:58It's just on Amazon. You're not fully locked out. It's attached to the Amazon account probably. So let us see here. Ah, iPhone. Okay, what the f*** is wrong with you? What the f*** is wrong with you? What do you mean? What do you have 15 % battery on your phone? We listened to stuff on my... Plug it into the car. Let it charge. I'm sorry. What the fuck are you doing? 15 % at before noon? I don't know, man. I didn't charge it last night. What the fuck is wrong with you? I was tired. I was packing up diaper bags and gathering everything. That indicates how much of a disaster someone is to me if I see them low battery before noon.

1:01:34Their life's a failure. Okay. Oh, come on. You got to charge your phone. Know how easy it is to plug it in somewhere? oh i did it all the way up here plugged my phone oh at least you have a way to get back i guess so home master hardware okay it's like some hinges yeah those are hinges and a door handle for a screen door for our back patio some patches lots of kids things a remote um those are it's an ice pack a fake plant we didn't need that to survive a clock we didn't need to survive that's for my office we didn't pay for that that's for my that's for my office at work Office chair. Well, that's good.

1:02:13Yeah. So we're building it out. Work-related purchases get reimbursed. Well, we didn't even pay for it. I used a corporate card for that. Rug, pillow, all that stuff? Yeah, all of that. Okay, and the two chairs? All of that until you hit the desk. Okay, so the desk was you? Well, no, like that is all. Okay, so after that. Yeah. So the key lock box. Oh, that's also work. Okay, well, what the fuck are you talking about then? The trash bin? That we bought a trash can. For our home. For our home. That's not the worst. I'm just surprised you didn't have one. We did. Well, we did. Well, then what are we doing?

1:02:43These are the small things we don't need to do when we're trying to pay off that. If you already had trash, then there we go. We're okay. Right. Right. Cookie cutters. Did you need the rectangle cookie cutters? No, I did not need those. You can do this. I did not need those. You're right. So these are the little things. Okay. What the f*** are we doing as a society where we're getting a preschool graduation outfit? Because they weren't doing graduation for her. Because it's preschool. Kindergarten. And I might be a r***. But I have kindergarten. photos of myself and that's like a passage. You want to be like smokers?

1:03:16No. But it's a rite of passage. You don't not graduate kindergarten. Memories. It's memories. How much was the cap and gown? I have, how much was it? It was$18? I have one memory from preschool. Other than that, no one else has, actually no, kindergarten. One memory. Don't arrest me for this. It was illegal. I broke the law. I gaslit another kid in a line at the gymnasium to pull the fire alarm. He never showed up to school again. You're not the one that pulled the fire alarm, so I think you're good. And I definitely did some manipulating to do it. But it's memories. That's the only memory I have.

1:03:54This person will not have any other memory other than when he illegally did something. Yes, she will. You start holding memories at four years old. Are you from kindergarten? Are they pictured memories? No. Because remember, a lot of times. I have vivid memories from kindergarten. She has a memory like me. She remembers everything. I kid you not. And he can attest to that. Yeah, plus she was so happy to put that cap and gown on. Okay, I'm getting a lot of take some memories. In the room. She was so happy to take those pictures. I feel like$18 is money well spent. Remember, a lot of the vivid memories that we have when we're young children psychologically are usually like pictures that we construct into memories that don't actually fully exist.

1:04:30But it's memories for me. Oh, great. She's my first baby. Well, if it's for you, then you're being a selfish cunt because you don't have the money. because you got the pants as well. Well, they're cute though. You got some low pile Christian shirts for women. It's just a t-shirt and pants, which is totally budgeted. And you don't need it to survive. Okay. Like we're trying to cut back right now. Dog whistle? That was for training because he said that our dog is not training. I'm okay with that one as a minimum. Meditation candles. Don't need it to survive. It's a meditation candle. It's the little candles for Bible study.

1:05:03Sorry. Well, fuck off. She can study without candles. Right? I've never had candles to study. I remember studying without candles. She can. Slow feeder dog bowl, that might make sense. Cookbook, Christian cookbook for beginners. You're paying the premium for, what's the atheist cookbook? It's just a small cookbook. That you paid a premium because it's Christian. Oh, maybe. They marketed it to you and you paid a premium for it. Okay, we talked about it at my Bible study group and we all were going to do stuff and that's why I got it. Did they know you're poor as f*** even though you make a lot of money?

1:05:38We don't talk about our finances there. Well, that seems like actually something kind of important to bring up in that community setting, but that's okay. Inflict killer spray, that's fine. I don't think we're getting a... What is an atheist cookbook? Muslim cookbook, I get it. All of a sudden you don't get pork and it gets scary. Sure, sure. I understand. Atheist cookbook. I don't know, would it be baby hearts? Is that what atheists eat? Maybe, I don't know. I don't think you needed a Christian cookbook. You paid the premium for it. Large arched felt bulletin board. They didn't need it to survive.

1:06:09Like, f*** off, guys. Bullshit spending. What are we doing? And I'm sorry I triggered you with the Muslim cookbook because you were ranting beforehand how you're scared that you bought a house in an area that's being overrun by Muslims. And yes - I'm not scared. Dallas-Fort Worth is, you know. I'm not scared. You know, Frisco? Yeah, we're like borderline. We're near Frisco. Frisco's actually really nice, though. Frisco's a beautiful city. And it's not that it's bad. They're nice. It's just that they literally are overtaking everything. And those, I mean, okay, they're overtaking everything and they don't have to pay the premium to ask for, I don't know, to paint their doors and change stuff in their front lawn that we do.

1:06:48What do you mean? Our HOA requires you pay a fee. That's your HOA? Yes, but they're all ran by a whole family. And that whole family lives in this HOA and they don't require anyone else to pay it. But then if I put something in, I tried and I had to pay that. But I talked to a lady at school and she didn't have to pay it to get her flower beds. I wasn't trying to build out flower beds, but she built out like a rock board around her flower bed and she didn't have to pay for it. She didn't have to pay the HOA approval fee? No. Application fee? No. It's the first thing I've heard about this. You're ranting to them that the schools celebrate, the public schools, they're to celebrate Muslim holidays instead of Christian holidays?

1:07:29Correct. I don't like it. It's interesting. My daughter came home and was talking about Ramadan and how we can celebrate it at home. And I said, we don't celebrate that, but that's wonderful that you learned it. Okay. I learned about Ramadan in school. No, they don't. They don't do Christmas. They did a holiday party and that was it. Well, I would prefer no religion in public schools. Separation of church and state. I just think if you're going to allow one, then you should allow all. I mean, it's okay to say like, this is a holiday that's happening today. Maybe get some snacks and treats. No, they devote like a whole lesson plan to like Chinese Lunar New Year, Ramadan, all of that.

1:08:05But not Easter? But not Easter. Not like any other like Jewish holiday or Christian holiday. It is because of who's on the school board for this school. Yeah, it's a bit selective. Do all or do none. I don't know. Yeah. Pat land. Yep. Okay. you immediately just spent$2 ,600. I don't know. What's going on? What's happening here? That's the dog. We financed our dog. You just got the dog. Yep. Are you afraid of them eating it? No. Of course not. That's a racist joke for you.

1:08:47$2 ,570. What is a pet land? It's one of those puppy mills. Those places are bad, dude. I have heard after the fact that apparently people have some pretty low opinions on them. I didn't know about any of that. So sorry to the people who protest pet land. Well, they're just kind of like puppy mills. Not saying like adopt, not shop, sure. But if like every adopt is like a pit bull, like I get it. You don't necessarily need to do that because they'll kill your kids. But besides that, like puppy mills aren't always the best either. They should have said it was a like accredited breeder and they gave background on the breeders.

1:09:20Of course. Which I get it now. You think they're going to say, hey, we're an unethical business. Please come to us and spend your money. Okay, well, either way, you opened a credit card with them. Yeah, it's deferred interest financing on the dog. How many dogs do you got? One. Just the one. What'd you get? An Australian Shepherd. I'm sure it's a beautiful dog. He's fine, but it's just supporting a business that isn't necessarily the best. 24-month, oh, deferred. Deferred, yeah. Guys. I know, we're only making the minimum right now. Oh, yeah, 30 bucks. Okay, so$2 ,570. I'm guessing you have like 23 months left.

1:09:56Two, five, sevens, uh, 23. So you actually have to make$112 payments a month or else this is going to accrue at a 36%. No, no, no. It is accruing at a 36 % interest. And then that interest will hit if you don't pay it off. And what, 23 months from now? Yep. So$112 a month now going forward. All right, yep. Hundreds of dollars will hit. Oh, you don't even like the dog? I really want to. Oh, how do you not like a dog? I really want to. What creature are you? I love dogs. I grew up with dogs. What? I want to love him, but right now it is so hard. He lacks training, but he also won't train him. Well, yeah, puppies don't come with training.

1:10:39Well, of course not. But when part of the agreement of us getting this dog was they're saying, I will do all the training. Oh, you said that? Yes. Well, why aren't you training him? And I do when I have time. Oh, hey, potty. No, no, no, no, no, no, no, no, no. If you said, well, let's get a dog, I'll do the training. He knows how to sit, lay down, come, and like stay. He knows all of those things. What's the training that hasn't happened? How many months old? He's seven now? Seven months. He's one month older than our youngest. Okay, so you're out of the puppy training. You're out of the potty training.

1:11:05Yes, and potty training. Yeah, so potty training's good. What? And he listens to... What are you complaining about then? He just jumps. He's very hyperactive. He sometimes listens to sit and lay down, but the problem is when he's running around the backyard, He will fur missile into our middle child and hit him square in the torso. Oh, yeah, he's playing. He nips it all three of them. Yeah, he's a puppy. I mean, it makes sense to me. He bit the toddler on the face the other day. In a play way or aggressive way? He thinks he's playing. He thinks he's playing. Yeah, I mean, yes, more training is just going to, yeah, you might need more professional training on that, honestly, with kids for what it's worth.

1:11:36Yeah, I mean, seven-month-year-old Australian Shepherd, yes, it's going to be a bit more wild. And you just need more professional training. That's new to me. I've never had such an active dog before. I grew up with lap dogs. I've never been around a dog like this. Yeah, Australians, they're crazy. Yeah, no, it's true. Okay. Well, someone needs to take some responsibility here and do something and probably do real training. That will be me. Real training. Yeah, may be paid for, unfortunately. Robin Hood credit card. I love my Robin Hood credit card, but you guys have done the opposite of me. Yeah.

1:12:11I don't have access to that. I'm okay with you guys, like, at some point, doing some kind of, like, shortcut, I know you're trying to do the avalanche. Not really. But if you do any kind of consolidation or personal loan, I just want to keep this in the back of your head. Bankruptcy. But not until you change your behavior. Because we're not changing our behavior. Again, there's spending on here. We're not changing our behavior. You're still spending on credit cards that you're not even, or you're just making the minimum of the payments. You're not paying off. Have you done consolidations before?

1:12:37Yes. Okay, see? And that just shows. Because then you rack it back up. It doesn't work until you change your behavior. Okay? Okay. when you're ready. And for people out there that have changed your behavior, we do have a good personal loan service at Calebhammer.com that we just connect you with good personal loans, the best personal loans for you. Check that out. And actually credit cards as well. Those are for people that are credit card people like me, because I do really well with the Robinhood app. So I use our credit card finder service. You guys can't. The personal loan, maybe someday for consolidation.

1:13:08It's good for them, but not for you. Change your behavior first. Because again, on here, you spend$712, even though it's maxed out. Why? Whose Robin Hood card? It's mine. Of course. I thought she was the problem. $4 ,685.73. $168 is the minimum. 20 years to pay off minimum with no purchases. 20! At YouTube TV, which is fine. Again, it's fine, especially at your income level. I'll give you a large subscription fund. It's okay. Okay, it comes with all the NFL shit. Yeah, YouTube TV is good. That's the only reason I got it. You're putting it on a credit card that you can't pay off, though. So it doesn't make sense for you.

1:13:52Storage King, you guys have a big storage unit? Yes, we do. Lifetime. You can't afford Lifetime. Listen, Lifetime's great. I also have that. You don't need it. I need it. Not Lifetime, though. I need Lifetime. Why? So Lifetime has the only, Lifetime's the only gym in our area that has... Childcare. for more than just the morning. Oh, guys, you can't afford this shit. And I can't always go in the morning. Okay, well, don't put it on our credit card. You're paying$5.50 a month? Yeah. It's even more now. Good death. Good death, man. But look, dude, Lifetime, I will not give it up. It's not - You have to budget it in.

1:14:34I do budget it in. What? You're spending more money than you do. Yeah, the balance that's on there, That's from before we even got the lifetime membership. But so it was already at a high balance. So you're making it worse. You're just getting, you're maintaining it. Yeah, but I'm paying more than the lifetime plus minimum payment every month. Barely. It's moved down like a couple bucks, even though you're still spending money. That money, that$700 that you spent could have been$700 that went towards the card and brought it down to below$4 ,000. So go fuck yourself. What are you talking about?

1:15:05I don't care what you say. I'm not giving up that membership. I'm not necessarily saying you have to, but it's going on a credit card. You just said I can't afford it. Not in this context, not on a credit card that is accruing interest. If we can put it on a debit card, maybe we can figure it out, but you've got to cut things somewhere. I give everyone a gym membership on the show. Lifetime, a bit excessive, potentially for your situation, but we'll figure it out in the end. All right, well, who's the American Express gold card? That'd be mine. Oh, buddy. So that's a card that I got specifically for both of us to use, even though it's only one card that's in my name.

1:15:37Okay, well, this one, it looks like you actually pay off. Yes. Yeah, that one has been used for only groceries and eating out. Okay. Eating out's bullshit! Buddy, because - I agree, but it's something that we're struggling to escape. So - Oh, you guys adults are not. Shut the fuck up. What do you mean? You have kids. Shut up. Yeah, so it goes on that, and it's been getting paid off every month. Yeah, yeah, and I can give you the high five for paying it off every month, but guess what? The money you're having to use to pay it off every month that is going towards paying off your eating out could be money that is going towards the three credit cards that came before this that are not being paid off.

1:16:11So if you spend, what did you spend on this? You spent like 2 ,000 on this card, right? Across the multiple things and you paid it off, great. Say 1 ,000 of it is eating out. That means that's 1 ,000 of it that you could put towards the Robinhood card and bring it to below 3 ,000 combined with the spending you did on the Robinhood card. So it doesn't matter. Like, yes, this is paid off. Congratulations, first card of the four cards that is paid off. But it is still money being spent that could go towards things to improve your life and actually avalanche like you like to. You're not avalanche.

1:16:37You've never heard of avalanche in your life. I mean, obviously I've heard of it. I wouldn't have brought it up if I hadn't heard of it. You don't know what a f*** it is, though, if you're not doing it. You're Uber eating, Uber eating. That would be Cali. Getting some bullshit. Domino's. I disagree with Uber eating. What? He does. Well, you should. Yeah, it's a premium. It's like an extra. I looked at the statistics yesterday. It's like an extra 90 % surcharge. Yeah, I believe it. Yeah, 100%. And I don't disagree, but working eight hours a day, having kids and school, and then he is going to go to work at five.

1:17:10He wakes up at 4.30. He takes like an afternoon nap. And the sister needs to step in in some kind of way, in some kind of way. You need to step up in some kind of way. And also meal prep. If we're cooking a few times a week, you can warm things up. It's easy. Sure. And I do. I do sometimes, like I'll make a big meal and we'll save it and we'll have it like for leftovers or whatever. but when you're like the primary cooker in your house. If you or your child spent years growing up on social media and experienced serious mental health struggles, you should hear this. Recently, a jury ordered Meta and YouTube to pay millions for their role in designing and promoting addictive platforms.

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1:18:28And look, if you're sitting on high interest credit card debt, a car loan at 18%, or, oh my goodness, a payday loan charging you triple digit interest rates, you need to hear this. If you've already cut up the cards and built better financial habits, but you're still drowning in interest payments, barely making progress, this is for you. I have opened my very own marketplace, a personal loan marketplace that lets you get personalized offers from multiple lenders in one place. You can see if you pre-qualify in minutes and it won't impact your credit score. But here's the deal, this isn't a magic bullet.

1:19:05If you refinance your debt but keep swiping, you're just making the problem worse. You still need to fix the behavior that screwed you in the first place. But if you're serious about getting out of debt faster, you could potentially lower your monthly payment by securing a single payment at a much better rate. Check out the link in the description below to see your personalized offers or go to Calebhammer.com. And remember, you still got to do the work. Listen, I don't know. I'll get your sister her course careers because you guys are doing great on your income. Sounds like she needs to figure her shit out.

1:19:34I'll get her a course career certification and I'll get her on helium as well for a cheaper phone plan. But I don't know. She needs to step up and help. Domino's, Whataburger, Starbucks, bullshit. Exquisite Cafe, Morning Donut, Cheeky Monkeys, Cheeky Monkeys, so much bullshit. Chick-fil-A. maybe groceries Black Rock Coffee Uber Eats 65 bucks and that one it's bullshit so yes paid off but could instead go towards actually helping to pay off one of your bad debts oh one main financial what is this so this is a consolidation loan that I took out a few years ago because we were and this is before most of these credit cards that we've gone over even existed but we We had gotten stuff or all of our cards maxed out.

1:20:26I didn't know what to do. He got all of his cards maxed out. And this was before we started looking for a home. And it's the reason why we couldn't buy a home sooner than we did. So you guys are renting right now? No, we bought a home. Years ago. So this was like two years ago. But we lived in an apartment for a year. And then my job gives really. Did he take it out behind your back? Yeah, he took it out and didn't tell me about it. And I had been planning. We've been talking about buying a home. Oh, shit. She can't trust you. My job gives really great bonuses that we could have used toward a down payment to lower our rent.

1:20:55And then he did this, which fucked up our debt to income, and we couldn't buy a house. Yeah. So we had to wait in our apartment for another year. I was in a spot where I was trying to control, take control of all the finances without, you know, having the mature conversation of explaining that we're in a bad spot. And I just did that. I thought I could. What's the point of the personal loan anyway? the interest rate is practically a credit card at 24.21 % interest, right? It's horrendous. It was still better than the rates that I had at the time. And at least, I don't know. Okay. You can usually declare some kind of hardship with many credit cards and they'll get you on like a 1 % interest loan.

1:21:33But then you have to close out the credit card. Close, yes. Yeah, but you didn't want to do that. That's happened with one of them. What's the point of the personal, what was the consolidation without closing? You're just going to end up in the same situation, which you did. So if. Okay. Okay, so$477.87 a month, and you owe$10 ,118.01 with an insane interest rate. Yeah. Okay, and I'm also being told there was another loan that he didn't send in. What the f*** what? So we have an upstart loan that I originally took out to pay for our daughter's dental care because he failed to put her on his dental plan, and she never had dental care, and then she had cavities, and that was$10 ,000.

1:22:15so I had to take out a loan to assist in the payment of that because he failed to put her on insurance. Why aren't you putting your kids on your insurance, dude? He was lazy and procrastinated. I have since then. Well, since then, after the consequences. Yeah, no, I recognize where I messed up in that situation. But, you know, obviously her dental health is important and there was work that she needed to get done. I felt like if we waited the two months for her to actually be on the insurance plan and then schedule everything, it would have been okay. But instead we just pushed through and took care of it.

1:22:54Which when I found out that he didn't have her on insurance, I got independent insurance for her. But they told us to wait 60 days before any actual care could be done aside from like cleanings. He wanted to get it done ASAP. It wasn't a root canal emergency. No, it was crowns. She had several cavities and needed crowns. Yeah. Which age one? The oldest. So she was five at the time. That's like your baby teeth, right? Yes. But then if you don't take care of them. Well, okay. If you don't take care of those teeth and it burrows down into the teeth that come up and it like you up for the rest of your life.

1:23:28Okay. And the dentist said you couldn't wait those few days? I was at work. So he took her. Oh, you just went. You just did. Yeah. I took her and I felt pressured to get it done right then and there from Callie instead of waiting two months for her to actually have insurance coverage. Are you doing what's necessary for her to not get those anymore? Yes. That's pretty early to get such intense dental work, right? Yes. But I was also the only one who was brushing her teeth and I would do it day and night. Is she brushing her own teeth now? Well, now she does. She's old enough to do it now just as long as she's...

1:24:00Okay, what's the balance on UPSR? it's like 5600 because whenever I get bonuses I add that it's I think like 112 what's the interest 32 % it was what I could get at the time okay Wells Fargo credit card what's this so that's mine have they not been yours yet everything that you have is mine but the spending is not mine I gave you all of my stuff okay well I didn't send it in sorry What the f***? So it's even worse? It's even more? I have like three credit cards. That's bad. But they're not with like high limits like his are. His are$6 ,000. It doesn't matter. They're still balances, you dumb tit.

1:24:42You're right. The reason I didn't send them in is because that upstart loan that I've got was, it consolidated her stuff. So it's in that. But she still has balances on her credit cards, right? I have recurring stuff that pays off every month. You pay it off every month. The balances. You don't like. I still want to know your f***ing spending. Oh, it's like Apple Music. Be prepared to pull those up. I want to see the spending. Either way,$5 ,336.16. Minimum to payment,$123.72. Interest is accruing. It's temporarily at 1%. Right. Yeah, so that account is closed. Ah, so you did the hardship thing that I talked about.

1:25:20Yeah, I didn't know that that's what I was signing up with them to do. I was just... What's wrong with closing your accounts? You already have a house. There's nothing wrong with it. I didn't know that I could close it and take out or get this hardship situation with them to have a minuscule interest rate on what's left. I didn't know that that was an option, but I found it by accident. Are you paying on that? Yeah. I didn't know that. What? That he was paying on the Wells Fargo one. Well, he has a minimum. Yeah, just the minimum every month. I think now would be a really great time to tell you that he also opened up a new credit card with USAA.

1:25:54Yeah. Sense? Okay. Yeah, since. We just got it in the mail. Why, dude? What is your addiction here? This is insane. So a lot of those other ones, I fell into the trap of points chasing. I didn't do the process correctly, and that's how - What? Where interest is accruing and that completely negates any kind of points you'd ever get? Yes, precisely. Okay. And then you applied to financial audit, submitted your documents, and then got a new credit card. You already know your brother. Yeah, I know. Which is why I hid the card so he couldn't activate it. even on here it's this bullshit spending Roses Cafe and Tortilla going inside getting some energy drinks more Petland you made your Petland down payment maybe on here so that's a separate financing deal it charges over 12 months a set balance Shipley's Donuts and I'll be honest girl had her friends in town I was like you know let's get a little Texas love God shit, please.

1:26:56I used to think they were incredible. Those were the worst donuts I've ever had in my life. It's got to be a fresh glaze. It's the only one that's good. And they're shit. They're just, they're like bread. This is bread. It's not donuts. They're actually like a loaf of bread that's slightly glazed. They're shit, man. That is absolutely horrible. I know there's better donuts out there. Yeah, Round Rock Donuts, Krispy Kreme. Any donuts ever. Even Dunkin'. Tim Hortons. Absolutely not. Dunkin' is trash. It's not good. You're right. It's not good, but it's better than Shipley. No, it is not. Shipley's not a donut, dude.

1:27:29Why are we arguing over Shipley's? We all know like the little Korean little places. Because we're fat. We are donut connoisseurs. We're fat. And he's got a bad opinion about Shipley. It's not a bad, they're not donuts. You're right. Duncan is a ship, but at least they're donuts. You're talking about a loaf of bread that gets a little glaze on it. It's horrible. It's literally disagree. It is. Congratulations. They're horrible. Everyone, I saw everyone shake their head yes when I said that. because they're shit donuts. You're a bad fat. Okay. I don't want to be fat. So I guess it's a good thing that I'm a bad fat.

1:28:00Oh, you're only getting fatter and it's on shitty food. Yeah, it's because I'm damn good at getting fat. You're damn good at eating the worst donuts. If you're going to be in public safety, at least get the good donuts. Well, I don't get donuts while I'm working. He gets them after for the kids. We do like a little donut sundae, which has... Crispy? Well, yeah. Honestly, we don't really do it. I love Krispy Kreme. there's not one on the way home. What the f***? It's two out of the way. Okay, save her card. Who? Also mine. $972.42. I just can never get Shipley. That's f***ing horrendous. Worst shit I've ever had.

1:28:38The friends were so disappointed and everyone was so disappointed. They were just so bad. They were so bad. Got the glaze, got the filled, got the strawberry sprinkles. We got everything. It was all shit. Barbarian filled. Herb, herb, herb. I don't disagree. Then I got one, and then I ate one the next day, and it gave me diarrhea, farts all day. It was horrible. $972.42 on here. Interest being accrued. No purchases, but you're only making the minimum to pay. Because we're ever launching, i.e. spending on the credit cards that we're putting more towards. Stupid. Stupid ass. Seven years to pay off.

1:29:13Interest is being accruing like crazy, yeah. Okay, Venmo credit card. Fuck me, what a balance. And a Venmo credit card. takes eight years to pay off. 2 ,784. Ridiculous. You'll have experienced two more preschool graduations by the time this has paid off. But they're all going to use the same little account. Yeah, they feel better because that's the most pointless waste of society thing. Our quality of education is going down everywhere in this country. Everyone's becoming more and you're giving them a celebration for preschool? Yeah. Fuck off. Kindergarten, whatever. Same thing. Same bullshit to me.

1:29:51$69 monthly payment, eight years to pay off. Oh, interest is being accrued brutal of$50 practically after a$70 payment,$2 ,077.84. Auto, we have a car. That's my car. What is it? It's a 2024 Volkswagen Atlas SE Tech. Okay, well, you owe$38 ,385.74 with a minimum monthly payment of$754. Now, that's that high-income shit. That's where people f*** themselves. I got death threats on Twitter yesterday after Dexter posted a clip of me saying we spend too much on cars. Here's an example. They make so much money, then they get an$800 f***ing minimum payment on their car that they don't need. You know how much it's worth for your$40 ,000 loan?

1:30:40What's it worth? So I - What's it worth? It's worth a lot to me. Okay,$28 ,000. Fuck you. Okay, well, I plan to - Go fuck yourself. I'm going to drive the wheels off it, but also the car was - This is what everyone says. Well, I don't have any plans to upgrade. This - We've upgraded. What are you, a little Nazi? What do you mean? What? I just like my car. We upgraded because all three car seats would not fit in my previous car. Don't care. You owe a lot of money on this car. So what am I supposed to do? Drag the other kid behind me with a chain? There's other cars that exist that can fit it that are not$40 ,000 at an$800 a month payment.

1:31:13I, what? Name one off the top of my head. A used Volkswagen. Ours was, no, it was new, but we got a better deal on it. Shut the f*** up. You didn't get a good deal. You're underwater by 10 ,000 hours. What's the interest rate on it? Seven and change. F*** off. So it's barely even competing with the marketplace if your money's in there. And then you got depreciating. You already lost 10. You'll lose more as it goes. F*** me. So stupid. What is this then? A lease? Yeah. You have a lease. What's your lease? I got a 2025 F-150. And he had a Volkswagen Jetta that was almost paid off. You are a American.

1:31:52You don't do anything. You go to work and drive a different car. You don't need this. You don't do anything. You pick up groceries. I've used it for things that I couldn't have done with my old vehicle. A couple times that you could rent a car for, that you could rent a truck in the moment for. You don't, you never, you never, in no way do you need an F-150. I mean, I needed something that just like hers that could fit all three car seats. You didn't need a Ford F-150. And also do other things like whenever we were, she wanted to build something for doing pottery. You rent. You don't need to lease this shit at$579.81 a month, which your miles will likely be over, but your gas payment, especially now, is aggressive on.

1:32:37Yeah, the gas is hard right now. Yeah, your problem, your fault. Can I also just say that our monthly payments increased on things because he had a really sweet deal where he was still on his parents' insurance and he was not paying his dad for the insurance, so they told him to get his own. So now he has to pay, what is it, like$300 with your own? Yeah, between the truck. Oh, we'll get that for the budget. What's the term on this? Five years. No, 48 months. And what are you going to do after? Once it's done. Release it to keep it. Why? Something you don't literally need. Or, okay, get an auto loan to finish it and keep it.

1:33:16You have a Ford F-150 to get to the office, and you have a Ford F-150 to get groceries. This is so pathetic. You're the most American piece of shit with a stupid car. It's so stupid. I think that it works out because, I mean, right after - your car payments are a thousand five hundred bucks yeah i know they're expensive but i mean just for the truck i have i have a don't utilize i have a 40 a 40 mile commute to work that's even a worse reason that that's even a worse reason to have a truck a 40 mile commute what the yeah no i i'm not disputing that the fuel economy sucks compared to to the last car that i had but i'm in a position where no matter the weather no matter what's going on i have to get there so So over the winter, when we had snow and ice, just four-wheel drive SUV, you'd be fine.

1:34:07A four-wheel drive SUV is the same price as a pickup. I went to, I think it was like the statistically like the eighth snowiest university in the United States. Snows up to here constantly. West Michigan, bullshit. Lake Michigan, lake affects snow. Crazy. I had a two-wheel drive horrible sedan, and I was doing delivery Jimmy Johns. and avalanches. Shut up. Compact snow is way easier to drive on than ice. What are you talking? I was black ice every second of every day. What do you think happens up there? It's horrible. It's scary. I think it just snows and everyone drives on it and then it compacts and it's easy to drive on.

1:34:47No, and it's also like hurricane snow shit too. Blizzards. Buddy, this is a cope. You're coping. Shut the fuck up. Your house.

1:35:01$323 ,856.84. What's it worth right now? I think it's worth$368. Okay, so I guess you would be close to breaking even if you sold it after everything. $2 ,349.71 a month. A decent rate, actually good rate at 4.25. So I do like to see that. That's fine. I'm not freaking out about the house. I don't know if I'm crushing it. The mortgage payment's a little higher now. After the first year, there was... So what's it now? Just under... Yeah, it's just under$3 ,000. Hey. But that was because our taxes went up and then we also found out that we were... Show me your credit cards. We also found out that we were double paying insurance.

1:35:39Here we go. Checking account. Decent money in there, but it's Cheesecake, Bullshit, Great American, Lush, Sonic, Sonic, Bullshit at Target, Bullshit at Target, Amazon, Sonic, Apple Bill, Whataburger, Lowe's, Nails, Etsy, Bullshit, McDonald's bullshit Sonic bullshit Sonic Sonic Sonic What is with you and Sonic? It's horrible It's the greasiest shit in the world Okay I'm gonna sit here and defend that shit Because it is one drink Maybe two with my sister And it keeps me out $42.50 at Sonic That was a night that we all had dinner Yeah Interesting I get a drink So shut the fuck up No you didn't Okay$10 It's a$10 drink If me and my sister go and she gets a snack If a sister that doesn't pay rent Fuck off Amazon.

1:36:24When is that? Got some energy drinks. Spotify. Sonic. Apple Bill. Energy drinks. Snowy Fun. Bullshit. Energy drinks. Snowy Fun was a birthday party. Handiccress. Coffee. Can't afford it. Amazon. Amazon. School Cafe. Raising Cane. Sonic. Amazon. Bullshit. Amazon. Amazon. Okay. Pharmacy. Probably okay. McDonald's. Sonic. McDonald's. Amazon. Energy drink. Bullshit. Auto payment. Auto payment. Well, something. I don't know, but it's like 41. BlackRock Coffee Amazon Amazon In-N-Out Bullshit Apple Bell Whataburger Whataburger Whataburger Sonic Boot City Cabiners Bullshit Sonic Bullshit Energy Drink Bullshit Apple Bell Energy Drink McDonald's Canteen Vending Machine Yeah At work probably Vending Machine BlackRock Coffee Sonic Coffee Bullshit Raising Canes got the trial for Amzhi every dollar well now you get dollar wise for free forever so congratulations McDonald's bullshit bullshit Victoria's Secret 80 bucks there Chick-fil-A Starbucks bullshit, Whataburger, Sonic bullshit, Apple Bill, Sonic bullshit, bullshit energy drinks, energy drinks Sonic, bullshit, Whataburger, BlackRock Coffee Amazon, Amazon, what the f*** are we doing savings,$103, wow what a stunning success,$200 ,000 a year household.

1:37:52What the fuck are we doing? 7 % employee contribution rate for this TMRS. What's the balance? 13 ,000. Definitely behind for your age. Robinhood 189. On that retirement account, my employer matches 2 to 1. That's good, but there's only 13 in there. Right, but that's only my contributions. That's only my contributions. Because I'm not fully vested yet, so I can see the amount that will be available. It's just not fully available until I hit five years with them. Gotcha. You're even still behind for your age for sure. Especially at your income. You guys know what your retirement should be at in about one year?

1:38:30Probably $100 ,000. $200 ,000. Combined. So what we need to be doing is paying off everything and then living solely off one income and putting everything else away. You're just literally having a monthly fee on here. You're just paying for your monthly fee. I was just saying that's only two. I can't do that once. You still haven't canceled that card? No, I haven't. I'm sorry. You need to. I know. I told her that she needs to cancel the card. You're literally just paying a monthly fee for the credit card. And you didn't even spend on it. And you still have the credit one? Yeah. Credit one's insane.

1:39:00Yeah. I need to delete. I need to delete them. Delete it. Or I need to cancel them. Yeah. I told you that three months ago. Sorry. Well, why didn't you do it? I forgot, to be so honest. Shut the fuck up. What kind of. That's so immature. Credit one's insane. All this bullshit's insane. Minimum of payments, no mortgage,$2 ,423.41. Without the mortgage, guys. $2 ,500. I've never been in the Credit One app. This is disgusting. Okay, yeah, you purchased$46 here. Where did it go? Probably bullshit. Canva and church. And another Credit One, jeez. The Canva I probably need to expense. That's for work.

1:39:45I do a lot of our marketing stuff. But you're doing it on the f***ing credit one. It's insane. It's just what was attached to it. Stan Pato? What? I don't know. It's a store. Some guy's store you spend money on. Credit one. Oh, and here we go. Recent transactions. BlackRock Coffee. Sonic. It just continues. He went inside, got some bullshit. Oh, and some gas. Sonic. Bullshit. Starbucks. Jack of the Box. Barnes & Noble. Monster yogurt. Chick-fil-A. What the f*** is wrong with you? You guys are pathetic on your spending. This is insane. mortgage 2 ,900 what's your gas electric utilities internet combined our electric is 150 our gas is 60 our water is 125 our trash is included in the water so our internet utilities should be around 350 internet also has her phone bundled it's included in our phone How much?

1:40:44It's like$400 a month for... No, no. It just went down. It just went down to three. Good death! For phone plus internet. So$650, fuck off, man. Yeah, again, helium when your phone's paid off. What the fuck are we doing? I know the service is great up there. Phone bill. All right, well, we already did. Is there an additional phone bill on top of that? He should be paying his parents for his... How much? No, so my agreement with my parents is they have me on their plan as the... Primary? As the primary? so that they get a cheaper rate. Gas, Vroom Vroom, Drive, Drive, both of you combined. It's going to be insane.

1:41:17Right now we're like$4.50 a month. I'm not surprised it's even that low. I also get like a$300 stipend every quarter for gas. Oh, quarter. Yeah. Okay, so I'll bring it down to$3.50 then. $100 went to it. Car insurance combined. You just combined it. Oh, what did it just go up to? About$400. Kill me. Okay, necessary food. Listen, okay. So 20-month-old, you're pretty much eating everything normal? $2.65.

1:41:46That's the last payment. He added me to it. Either way. 20-month-old, 2-year-old. Mm-hmm. Eating everything just normal? Yeah, eats everything under the sign. Six-month-old, it's not like baby food, though, right? Yes. Baby food formula. Formula. That's the cake. Formula is$200 to$300 a month. That's fine. So I think we should be able to do groceries total, meal prepping about$1 ,000. TP, find anything else you need to survive? That is diapers, that is everything, that is bullshit, that is toilet paper, that is school shit. It's going to be expensive for a household like yours, about$500 a month.

1:42:15Medical health care, how much? Co-pays, monthly basis, anything? We owe money to the pediatrician's office. Well, that's a debt. Well, it's because I didn't know the— Well, how much? It's$100 every month. It's for how long? It's$2 ,700. Well, add$100 to the debt, because that's what it is. Are there any co-pays on a monthly basis, though? No, no. Okay. Jim, what was it, like$550? Oh, it's way more than that now because we had a third kid. Then she added Pilates to it. How much? $7.65. I'll see how it ends up. Pet insurance,$50. How much for pet food? $50 every quarter. He eats like a cup of food for three times a day.

1:43:00Well, it'll ramp up. Okay,$20 I'll put. He's fully grown now. Okay, so a seven month? No, he's still a puppy. I'm a seven month. I mean, he's a fully grown in size. He's not going to grow in size anymore. Okay. I don't know if that means he's still... Subscriptions. I'm going to try to give you guys like$200 if I'm being nice. Let's see. Anything else that needs to be in this budget? I don't think so. All right, guys. Yeah, even with that, there's so much room, but there's a lot of debt to pay off. Okay, so needed to survive$9 ,364.11. I give you$200 for subscriptions. You can use some of that, put it to fun, maybe$100 for subscriptions,$100 for fun, but you don't get to spend money on bullshit right now because you have an extra, okay, let me do this.

1:43:43Let me give you guys$200 for fun. You have an extra$2 ,200 on a monthly basis, okay? So that's going out to eat. It's going, doing whatever. Save it up over a month and have$400 next month, whatever. But I need to figure out more than anything, the most important, okay, so total debt,$68 ,410.04 plus, what's the total pediatrician debt? $2 ,700. Okay. With the$2 ,200, I mean, yeah, you guys paid off in just about two and a half years and that's not bad. And I'm giving you fund money and you know, overtime, more we can rack up, the better that pays it off. Raises throughout the years, that'll pay it off.

1:44:23I wouldn't be surprised if you guys paid off in about two years to be completely honest. And that's with fund money and a great subscription fund and I gave you a lot. But your meal prepping, we're not eating. Now, you can use your$200 for or take$100 from subscriptions. You can use$300 for, there you go. but whatever it's two years guys this isn't the end of the world or two and a half depending if your income is purely stagnant but you have to make a change you have to make a sacrifice no more credit card spending it's all in the debit and yes you did have enough money in there you didn't have to put it on credit card stuff around you guys are behind on retirement don't put yourself in a dangerous situation with your kid you guys make an incredible income take advantage of it now guys stop being pathetic stop being pathetic and after that a fully funded six-month emergency fund then 20 is going to retirement on a monthly basis and you guys have an incredible 30 % to spend on fun with your$11 ,800, which will be even higher, but you'll be able to spend$3 ,540 a month on fun.

1:45:13It's better than anyone gets to ever. So shut the up. This is the easiest situation ever. It's disgusting that you're in it. It's disgusting that you're not getting out of it. It's not complicated. Communicate, go with the couples therapy, figure it the out. Before we go to the post show, let me get their hammer financial score. Get yours at Calebhammer.com. Spending in a Budget. You overspent dramatically. $22 ,000. Zero out of tens because you guys don't communicate. You won't talk. You don't budget. Use dollar wise debt. No collections, which is good. But it is pretty. I'll give you a two out of ten.

1:45:46Not good, obviously. Two years to pay off, though. Emergency funds. There was really nothing in savings. There's a little bit in checking account. I'll give you a two out of ten to be generous because there's like six thousand checking account. I'm sure that fluctuates dramatically. In fact, I'll give it a one out of 10 because of that. Retirement, definitely behind for our age. I didn't see anything from you. No, my company doesn't have a retirement plan. And I don't have... They don't have a 401k? No. They don't have to match for them. Okay, well, you still have access to IRAs. Right. I have an interest-bearing savings account, but...

1:46:14Okay, IRA. Max it out, dude. Okay, whatever. Retirement. I will give you about a 3 out of 10 there. That might be generous. Real estate is the only thing going for you. You can sell a break-even. Great interest rate. Good location. You're in a boomtown. Yeah, yeah, yeah. No, I'm happy with the real estate. 8 out of 10. But I'm going to bring the retirement down to 2.

1:46:38Hammer Financial Score. Get yours at CalebHammer.com. Real estate is carrying you guys 3 out of 10. Join us in the post show by clicking that join button or by downloading the Hammer Elite app or going to HammerElite.com. You can watch it on YouTube or you can watch it on our platform. Completely up to you. Save membership on both places. Love you guys. Thanks for supporting us. See you in the best membership on YouTube in the financial auto post show. There was a consolidation loan that we didn't talk about. But you haven't changed your behavior. You spent so much money. Hey, it wasn't even my idea.

1:47:07Whose idea was it? Kelly. It was your idea? It was. So was the upstart. How much was the loan for? $1 ,000. Consolidated. I have an exclusive offer just for you. But there's only one week left to purchase. You'll get lifetime access to the entire Hammer Elite catalog and my Hammer for Life box packed with limited edition merch. Plus, I just launched the brand new Hammer Elite app available on every major platform. To celebrate the app launch, I'm offering 30 % off the annual plan in the month of June only. Download the Hammer Elite app by using the link in the description or pinned comment down below.

1:47:47This is the best membership you'll ever join, and that's a promise. Close your eyes, exhale, feel your body relax, and let go of whatever you're carrying today. Well, I'm letting go of the worry that I wouldn't get my new contacts in time for this class. I got them delivered free from 1-800-CONTACTS. Oh my gosh, they're so fast. And breathe. Oh, sorry. I almost couldn't breathe when I saw the discount they gave me on my first order. Oh, sorry. Namaste. Visit 1-800-CONTACTS.com today to save on your first order. 1-800-CONTACTS