Financial Audit's Most Evil Parents

23:35So I can deal with him. And we started out as a—because we felt he needed a better home. But that was when he was a kid, you know. Why'd you pull the f***ing, like, come on, you pulled the step, the stepsister p***ing video on. You totally did. You're like, oh no, stepbrother, I'm not wearing panties right now. You're f***ing your stepbrother. No. They brought him in as a f***ing. Well, we f***ing didn't even know he wasn't his brother for a while. Okay, but that's because he was in a bit, yeah. Yeah. You suck with money, so you download a budgeting app. You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use.

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25:37Type in code Caleb. But that's because he's itty bitty and he's been around since he was itty bitty, but that's because... How itty bitty? He was like, well, if it's six years, he would have been one. Yeah, my son. Wait, who are we talking about? Our son. Our son. My brother. He was one when we started dating. Oh, I heard that. No, no, no, no. So how long has this other person been there? He has been there for basically the whole six years that we've been together. We were together for four months. So you did? You did pull this like stepbrother thing. We were friends before he moved in. Friends?

26:20Yeah. Then he moves in and you start sleeping with the guy that moved in? We were dating for four months. Come on. We said friends. Well, yeah, we were friends and then we started dating for four months and then he moved in. and he's been with us since. And you wanted to move in the guy she was dating? At like 15, 16? We didn't want to. We didn't know. It kind of just happened. He stayed the night one night, and then he went home, and then he stayed the night again, and just never left. But to get home life was horrible. Okay, which I get that, but also just dating your daughter, too. It wasn't like a...

26:49Yeah, it's like you're an adult, move out. I do agree with that. You can't even tell me how much money he's making yet. You're trying to get on a loan with him right now for a trailer. I know he makes money. I just don't know what his average... My last paycheck was$700. And that's the lowest because when it rains. What is the average? Eight. Like, I don't know. And you can't give me a number. I mean, I know there's lots of drama and whatnot in this house. And this house is chaotic. You guys just got in a big fight over you took money from the joint account. And you gave it to your brother or her brother.

27:24You gave it to her brother. He does it with friends, too. It's not just my brother. So she's trying to manage the household finances, and you just take money out of that and just give it to people? Not only does he take money and give it to other people, but he also takes money and uses it for gambling, which I'm not saying that she doesn't either. Guilty. What the f*** are you doing gambling? Why? What are you doing? What is this gambling? What does it look like? It's online, the online gambling slot machine. Slot machine online? Yeah. How much are you spending on this? Way too much. How much?

27:55Honestly, I don't know. I don't know anything about our finances, That's the bad thing. Wait, you like it too? I do. Yeah. Well, now we know why we're still in a trailer. Which is probably just as bad. I'm being told thousands a week. Now I understand why we're making no progress in life. Correct. Okay. I mean, this must be devastating to see your parents do that. I would fucking, I don't mind. Well, yes, it's thousands a week, but some of that, I mean, there are winnings to it. I mean, I won 60 ,000. Not even close to net, though. Well, she didn't. Probably breaking it down. Yeah, but if they're doing thousands a week, that would still be negative.

28:32Yes. I agree. It's definitely. Especially on slots. It's one of the literal most addictive things. It's probably the only reason I even know about the financial situation because she won the 60 grand. If she wouldn't have won that, like I built a budget for them. After she spent how many tens of thousands. Yeah, that was a year ago. You got to double that because I'm doing the same. And he's not won 60 grand. No, I didn't win. But I think mine right now is probably worse. next to each other just any downtime he'll be in the bathroom playing it what the fuck he has more downtime than me how? I thought you just said you work like 80 hours a week right what?

29:12where's the downtime? well when he works he'll go to the gas station and he will sit at either McDonald's or the gas station not sometimes it's all the time and he'll sit there in the bathroom for hours You will watch Life 360 and he will be at the same location for an hour and a half gambling, watching YouTube. I don't know what he's doing in there. He'll do the same thing when he gets home. He'll sit in the bathroom for four hours. When the tree came through the house, he was on the pot. That would make me think drugs. No. No, I think it's the gambling. In the bathroom? It's how you trade one addiction for the other, right?

29:51So this is why Beth thinks you don't want to be around them. No. Correct. Well, maybe. I do, too. I mean, we feel that way. Do you not want to be around them? No, I don't want to be around them. I don't think he does. I don't. If you're sitting in the bathroom gambling. I think he wants no responsibility in life. Like, he has little, you know. I do have little responsibility. Little responsibility. The only thing he has to do is get my son on the bus in the morning. And I light everything out. I have his lunch ready to go. I have his backpack. But that's not because I haven't tried to get responsible.

30:21His clothes are laid out. You literally have to get him dressed in on the bus. That's it. Okay. That's it. That's little to no responsibility. You don't cook. You don't clean. You don't take care of the bills. You don't take care of anything. I understand that I cook, but it'd be nice to have a break every now and again. The last time that he did something, he slept and she came behind him. Yeah. Okay. When I try, I've tried to take responsibility, quote, unquote, from her so she could have a lesser amount of responsibility and she doesn't want to give it up. She is controlling. Or she gives it up and then she comes right behind me and I didn't do it right.

30:58Well, he didn't know that, so thanks. Well, it was funny. I had to throw it in there. You have sex with your stepbrother. I do not. But, yes, she's very, not controlling, but she does, like, I know my position. Yeah, but every time there was an onboarding call, you were too busy to join in any of them. That's right. He thought he had nothing important to say. That's for us to determine. Yeah. Like, as far as financial stuff, I have no clue. Like, I don't know what's a problem until she calls me and says, hey, don't spend any money on this account. Yeah, well, why don't you just tell him he's not allowed to go gift other money to people?

31:38So what is this? I want to get back to that. What is that? What is happening? I'm a sucker. Well, my brother also has a gambling addiction. He's the one that showed it to me. Is he in a trailer on the property? No. He's in. No. He might as well be. Yeah. He's in a. He's the one that showed the game to them. Family home. So he pays a little to no rent. But he also got like his truck repossessed. Her family owns a lot of land. So he's the one who got my husband initially onto the gambling app. What is the app? I don't know if you need to. I don't know. It's not me. I'm getting a thumbs up in the back.

32:16And it started probably about three, three and a half years ago when that happened. Well, where I'm going with it as far as going back to my brother and the money lending, he spends all his money on gambling or whatever. While living at home, basically, with the parents on their property. Well, he pays hardly anything in rent. He pays next to nothing. Yeah, he lives at my— This is a family of losers. I'm sorry, right? You're a loser. You're a loser. I mean, you work, but you sit in the— You don't even interact with your family. Your brother's a loser. Your grandpa's a loser. And you delegate like a loser.

32:51You don't delegate. And then you complain about not delegating. And I know I'm an enable. No, you don't delegate. And then you complain about how no one does anything after you don't delegate. Because you complain about delegating. Well, I don't delegate because if I delegate, I've delegated for him to take the trash out. And he won't do it. It'll sit for a day. Why? Why don't you take out the trash? Because it's whenever I, when I say I want something and I delegate, I want it done right then, not two, three hours from now. Well, that's not how everything works. I mean, if you say, hey, can you take out the trash today?

33:21Well, then I can do it myself. Okay, well, then that's fair because you don't get to just demand something's done in the second. Thank you. Like, I agree, don't take a whole day, but hey, can you take out the trash this afternoon? Or I don't know. It's like this afternoon. No, no, no. So I asked him to do the floors for me. It took him three days. But they got done. It doesn't matter. It took him three days. We were sitting there walking on dog hair for three days. And then I came home from work and did it. And then I came behind you and— And re-did it. Yeah, re-did it. I was laughing. She was just— Okay, so how much has he given to the brother?

33:54Not a lot. It's just— There was a big fight that came from this? Yes. It was at inconvenient times because I didn't tell her ahead of time. Tell me what happened. Yeah. Tell me what happened. So I saw that there was money given to my brother through our account because he will cash app it to him. I've been told not to do it. But how am I supposed to say no to the brother-in-law? You know, because we're friends. I practically beg him. Without being a dick. You can't. I beg him to not give my brother and his friend money. And he does it anyway, so what is the point of me? He does pay it back. He pays it back three weeks later.

34:31And by that time, we need it way soon. Which is why I've... And the problem is, I don't know our finances, So I don't know what position you are. But if I ask you not to do it, repeatedly have asked you not to do it, repeatedly begged you not to do it, and the very next day you're doing it. So why? That's just a battle. I'm never going to win. I just can't be a dick. I know you're not walking out the door, but, God, pretend 100 % is you're walking out tomorrow, 0 % is you would never even consider walking out. Give me where you're at. 100 % I'm not walking out. So 0 %? 0%. Really? So you would be willing to put up with any of this forever for the rest of your life?

35:13Not even 1 %? Yeah, 0%. Well, I wouldn't do it to her. That's crazy. What do you mean? You are. What do you mean? What do you mean? Huh? No, I'm saying everything that's going now. I'm not going back to what was happening in the past. I mean, I love him. He's the father of my children. Yeah, but you also just had to open up another bank account so we couldn't have access to it. That's not screaming trust. That's not screaming bond for life. That's fucking crazy. Your daughter knows more about the household finances than he does. That is true. But he's not there. And I have tried. And yet you're not even considering 1%.

35:52Hang on. Because I have tried to go over finances with him a few times. And yet you're at 0 %? There'd be a 0%. Really? Well, I don't want to live my life. I agree. I'm not saying she'd be at 100%, but there's a lot in between there. Zero percent is crazy with someone who's never there. Well, when the drugs were in place, yes, I was there. She was there. I was at 100%. I understand that, but he's never there. You have a young kid. Young kid. Yeah. A young kid, I would want you to be there. And I try. I try and get there. Does he try to get there? Yeah, when I'm not working. Perfect example. The other day, he was going to be going 45 minutes away and back.

36:38And my son and I were sitting there, and I was like, hey, it's Friday night. You know, when Dad goes back to the shop, when he's got to go make the run, we'll just go with him because it was like 7 o 'clock. Friday night, we could spend some time together. Since they don't spend a lot of time together, we as a family don't. And I was like, well, when your dad calls me, because he was supposed to, will go ride with them. That phone call never came. Why? And then I called him, and he was already at the location. So it was, to me, it was an ample opportunity for us to spend time together when we haven't been able to.

37:16And, yeah, that kind of hurt. I thought I could get done in enough time to be home and spend some time, and it didn't work out that way. So I should have gone. There's little— That's my fault. Well, he doesn't answer his phone. I'm bad about not making fun. He doesn't. His phone will die. Very frequently. We won't know where he's at. Is this not all extra sketchy with spending like an hour and a half in a McDonald's, spending four hours at home in the bathroom, and phone dying all the time? No, I usually get... Dude, that's a sweet, so sketchy. I think that he traded one addiction for the other.

37:48Probably. I just get a lot of time on my phone. Probably. Well, he watches YouTube. YouTube videos. Oh, my gosh. It's so bad. It's so bad. He plays it at full volume, and he'll sit there and laugh. Oh, you're like an immigrant. So loud. I'm immature when it comes to the videos. I just wish some of that time of videos and gambling were put towards us as opposed to that. Yes, then why aren't you? She has expressed this, I assume. I have. She has. I have a shop, too, on the property, and I spend a lot of time in the shop doing things. How about you just try to spend a little bit with the family? I'm not saying every ounce of every day, every second.

38:24But also, every time they bring up any issues, if she complains, if he complains, they're everything. you immediately just get defensive and say that they're calling you a bad mom as well. So it's not just all on him. You're immediately defensive. You shut people down and you go at it, I'm being told from the pre-interview phone calls. So you bring up complaints and she just shuts you down with you're calling me a bad mom? It's not. She does hear me out, but she tries to spin it as if I'm calling out her person, her character. We're in a situation. We were in a trailer that had, you know, not the best living situation.

38:54And due to that, she thought that I was calling her a bad mom. I'm not. Well, because the situation, because there's a mom. It's the way it made me feel. Which is fine. It was the comments that were made about the home, and it's like, well, if I could change that situation, I would. And I get it. I know the gambling. Maybe we weren't going to be in the situation or could be out of the situation. But it was the words that made me feel like I'm a bad mom. I'm just so confused why we even need to live there. The median home sales price in Little Rock as of February of this year, so last month,$247 ,000.

39:35You guys' income is incredible. You could totally qualify for something reasonable. The median sales price. Our plan was buying property and building our forever home. Why do we have to do that? Why do we have to do that? When we're already in, well, okay. Well, we own the property now, so. Okay, and it's five acres, right? Yeah, five acres. And we love this property? It's right next door to her parents So I inherit Once my grandparents pass away I inherit that five acres that my grandparents were on Oh you're creaming for that I guess No I was just saying they'll be on the property Right next to me so it would be nice to have Our family just right there together It's not You know you can be down the street I grew up like a five minute drive from my grandparents And it still felt like we were close It's fine I know Okay you're allowed to Okay you're never going to leave You're never going to have any independence No, I mean, this is as clear as day.

40:24She's really not going to. I really don't think so. Life is so short. You see that? You see that? But I am. I'm okay with her being close to me. I am. Close is different. Close. She's never going to learn any skills. No, I definitely don't. I know. I've already been told. I told her, because my little brother, I know nothing about money. Once I was able to, you know, go out on my own and deal with money, I had no idea what I was doing. And so I was trying to tell her, hey, my little brother's young. Try and teach him what I can. Which one? Little stepbrother or little brother? Little brother. Okay.

40:58Which is true. If she wanted something, she got it. I was definitely very surprised. She never did without. So if she wanted it, she got it. I definitely spoiled. The whole enabler thing. I didn't see it. It goes all the way down. Okay. I got to get into these numbers because we're going to be here for a thousand years. What do we think this household financial situation score? Actually, what do you think your financial score is? Zero to ten, zero being the absolute best. Zero being the absolute worst, ten being the absolute best. Just you. Like a two. And what do you guys think your household is?

41:28Six, seven maybe? Let's kill him. Let's kill this guy. Let's beat him to death with hammers. Okay. Okay. But I also do have to mention, because of the ignorance with financials, I also did accidentally open up a credit card at the beginning of the month. Accidentally? I did. I was trying. Accidentally? What the f*** are you talking about? So I was looking at pre-qualified cards, and I was trying to see what the limit they would give me. And so at least you got one. So then I clicked on it. You applied to get the limit. Of course. Oh, my goodness. Dude, you're 21. Are you talking about the most recent?

42:02Not a child. Yeah. She did that because somebody told her. Well, I was going to. Now, listen. Somebody told her, not me. Somebody told her that if she were to open another credit card, and she didn't. It would balance out my credit balance a little bit better. It would up her credit score by getting more credit. So that's why she did it. I was looking. I wasn't actually going to do it just now. I was just trying to look. She did. She accidentally did. Go on to your Hammer Financial Score. Get it for free at calebhammer.com. It's free, and it only takes a few minutes to see where you stand in the world of money, where you're doing poorly, and where you're doing great.

42:36And if you don't want to be like the guests that end up on the show, if you want to actually fix your money like tens of thousands of monthly active users are, you've got to download the DollarWise budgeting app. You can go to the website, dollarwise.com, or download link in the description below. Most people take the free trial. They love it. They sign up for the annual version because it saves 50%. And when you do, you get my 30-day detailed meal plan so that you can no longer complain about not being able to afford doing meal plans and making meal plans and having snacks and drinks because we make all your snacks and drinks and multiple meals at all your meals for the day right here.

43:05And I'll sign it like I did this one. I'll mail it directly to you. So you guys have this. So teach, especially you, you'll have a detailed meal plan in there. Okay? I can't cook. I mean, no, I can. There you go. I mean, it's as easy as f*** ever, man. It really is. It really is. And you can keep that on the table if you want. Okay. Your signature looks like the Chick-fil-A logo. I have heard that. Oh, it does. Yeah. Oh, I'm going to need to know who. Oh, my f*** me. Are you kidding me? And I do know that first one is mine because. Well, that's what I was going to ask. Okay. So this is Beth's.

43:46Capital One Quicksilver. What is going on here? Oh, my f***er, spending so much money. Spending way more money than you're putting towards it. And I'm also putting a ton towards it. You're basically maxed out. Yeah, but it doesn't matter when you replenish it. You're just offsetting it. You didn't actually make any progress. You didn't make any progress. $4 ,863.39. How does that make you feel when you hear that? Your daughter, 21-year-old, not even moving out, has every blessing in the world with no actual overhead costs in her life, has a maxed out 5 ,000-hour credit card with 167 hours a month as a minimum monthly payment.

44:22She only does minimums and doesn't purchase, which is incapable of both. It takes 21 years for her to pay this off. She will be 42 years old. 42 years old, and then maybe she'll finally get her ass out of the house. This is what I tried to prevent from happening. I did. And how did you do that? When she got her first credit card with this one, I told her, I said, this is how it works. That was it? That's all you did? No, I said, this is how it works. Well, her limits gone up. Can't teach her how to budget. Well, her limits gone up. Okay, well, if you actually taught her how it works and taught her how to budget and taught her how to make the payments and pay off the balance of the single month, it wouldn't matter if the balance went on, or the limit.

45:02The credit limit. Right, I did tell her, I said, if you put something on it, pay it off. It's going to help build your credit. So the whole point in her getting it was so that she could use it and put gas on it a couple times through the month, pay it off, you know, before the due date. That did not happen. I did tell her that that's what she needs to do because clearly I'm in a situation where I can advise her on what not to do. Okay, you tell me. She just didn't listen. So I don't, I think I did really good with it at first, of course, as everybody does. And then I, there was a raccoon that fell out of the tree behind the house.

45:37And we kind of took it in and kept it for a couple months. And then my dog got pregnant. So she was expensive. Why was your dog pregnant? Why was your dog not fixed? You freak. Well, I was trying to wait. It's the first thing you're supposed to do. Well, she's a purebred Rottweiler. And I was trying to wait until her growth plates were done growing and then get her fixed. But my boyfriend's dog is also not fixed. Well, fix that one, obviously. The balls are easy. No, he's too old now. He was too old then? Yes. How old? Seven, eight. Okay, I don't know. So she got pregnant, and the puppies were expensive.

46:13I probably spent about$3 ,000 just on the puppies. And where'd they go? Well, we kept one. But the other ones, they went to their homes. Are you guys happy in this house? No. This is insane. Isn't it? No. It's crazy. That's crazy. I would lock myself in the bathroom. Yeah, thank you. And go to the workshop? I mean, this place sounds insane. It definitely is. I won't disagree with it, but... Well, you're the one doing it. Yeah. And they can't even get you out. You know what I mean? Huh? I said, then throw a six-year-old on top of that. Yeah. But the puppies were a lot, and then I got two ferrets, which I definitely shouldn't have done.

46:49No. Yeah, they were$300 and$400 each. You have$120 of interest occurring on this on a monthly basis, and it's all bullshit. It's all bullshit! Walmart! Walmart! Amazon, Amazon, Amazon, Amazon. Academy Sports. Pecco, I mean, that's okay, but it's insanely expensive. And to put it on a credit card that accrues interest that we can't pay off is dumb. How much was that one? $244. Okay, I think that was. Yeah, that's how much she spends on dog food. That was a cage. That was a cage. But even still, you got to get food and shit on top of it. I know that. Apple bill. Amazon, Amazon, Apple, Netflix, Sonic, Sonic.

47:23Mastermind Escape,$61. Amazon, this is all bullshit. Going in and getting some bullshit. Smoke Palace. Yeah, I do have a vaping addiction. Why? Why do you want everything to be the worst in life that you can possibly do? Like, why? Why do you just want everything to be the actual worst? I really don't understand. I don't even know how I started vaping. I started vaping when I was like 15, 16, something like that. Where were you guys? Where the f*** were you guys? They were very lenient with me. With vaping? Well, no, just letting me go out and do what I wanted to do. All right. Every business owner I talk to right now is obsessed with AI.

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49:19Yeah, same here. When something feels off, I usually doom scroll my symptoms, convince myself I have something rare, take three vitamins, and then just hope it magically fixes itself. But that's exactly why I like 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. We are talking about booking in-network appointments with more than 150 ,000 providers across all 50 states. If you're looking for dermatology, dentistry, primary care, eye care, or one of the 200 plus specialties offered on ZocDoc, you can easily search by specialty or send them to build the care team that is right for you.

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50:29Well, I mean, I don't advocate for helicopter parenting. I think most don't these days, but even though some people do it, but I don't. I think we still make sure they don't vape. Well, she was also, I think she used it as kind of an escape goat a little bit because she was going through therapy and stuff. And so, you know, maybe it was her way to chill and relax and, you know, instead of, you know. I don't do anything else, though. Yeah, I was going to say. I can't smoke weed. Instead of smoking weed, she babes. It's expensive, though. I can't smoke weed. And then on top of that, she'll ask me for like gas money and stuff.

51:12Because she's maxed out and she needs money. Yeah, on vapes.

51:19Seven Brew Coffee. Arby's Seven Brew Coffee. Microsoft Realms Plus. Microsoft Realms? Oh, that's Minecraft. It is Minecraft. I think I canceled that now. She's vaping in Minecraft. No. Oh. No. Oh, she's a gamer. Sonic, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Andy's Ice Cream, Bullshit. Amazon, Amazon, Amazon Smoke Palace, Amazon Uh, yeah, premium No, no, primetime, I don't even know what that is Well, she's got an energy drink Sonic, Chick-fil-A, addiction You do too? Bad, Red Bull Bro, I'm serious, what the f*** is wrong with you guys? Okay, this one's chug juice Make it at home! It tastes better than your energy drink Bullshit anyway, because every guest has Confirmed that once they've tried it I was drinking two energy Well, Monster is where she started You can do as many as you want a day.

52:07There's 100 servings in there. It is 40 cents a serving. I was doing two monsters a day. There you go. Now you're doing two scoops a day. She was having heart problems. Okay, well, you're doing one scoop a day. Smoke Palace, Amazon, Chick-fil-A, Amazon, McDonald's, CJ Maxx. It's all bullshit. Your max-eventure credit card for bullshit. A lot of that Amazon. You won't pay rent. You'll just spend it all on bullshit. Yeah, give me your phone. $227 in interest accruing. Which Remember Which what? This is everybody's Amazon We use one account Okay well you have a shit ton On your credit card alone So let's see in here Okay Apple Music Grok My fitness pal Twitch subscription Okay well you got our Thank you tier Which is kind of stupid Because the Hammer elites That are the best one on YouTube I did do that for a little bit And on premium Well no You still have it now But I would just rather get elite because it's better value.

53:04So many more shows. Well, are you looking up subscriptions? Mm-hmm. Well, I pay the subscriptions. She pays me for them, but they're on that credit card. That's so stupid. But she doesn't use the money. Well, she doesn't use the money that I give her to pay on her credit card. She uses it for other expenses. Are you worried about me not using the money right? Pants, a 12-inch subwoofer. Oh, yeah. Yeah, I love my subs, but they're broken right now. Bro, you're getting this shit Well, Max, it's not your credit card. City passenger airplane. I'm going to assume this for the kid. Yes. Oh, my gosh.

53:36Another 12-inch subwoofer. Seamless sports bra. More flight things. And let's no-show seamless thongs. What? I don't know if those are yours or mine. Probably hers. I think those are hers. Yeah. This is just insane. You just spend so much money. I don't get it. To not pay rent. To not pay rent. Okay, whose Capital One Quicksilver is this? Oh, goodness. $2 ,952.60? I believe that's his. I think it originally started as a Walmart card, and then Capital One took it over. All right. Well, father like daughter,$2 ,952. I don't know. Any cards that are in mine aren't mine. What? They're his. Who is this then?

54:30Oh. But it's in his name. It's in his name. What the fuck is wrong with you, dude? Again, like you, you only make the minimum payment, yet you're purchasing on it while it's accruing interest. $96 a month,$2 ,952.60. Takes 15 years to pay off. Your youngest will be out of high school. It will be 80. It's over maxed out. It's over maxed out. On your credit, she has an over max. I thought he was the bad one for taking money from your account. But you go from his credit and over max out a card? Hang on. Now I understand why we don't trust anyone in this house. Okay. But here's the thing. What the fuck?

55:05I have to get credit because he spends from the checking account. So it's my fault. I'm not saying it's all your fault. No, it's my fault too. I don't think anyone takes accountability in this household for anything. No argument on the side, I guess. Okay, what is credit fresh line of credit? Oh, goodness. $4 ,500. No, there's$2 ,000 and then$2 ,500. Yes. What is this? So probably a month ago is when – so it's a line of credit. Yeah. And I was told it was closed. So when I won the$60 ,000 – right. I didn't say closed. It was paid off. It was paid off. So I paid all of the line of credit and personal loans that we had.

55:47And then – This accumulated in a year? No, that accumulated – The stack? No. You paid off all the debt with your earnings a year ago? Oh, no. Not all of the debt. No, no. Okay, continue. Just the line of credits for the Credit Fresh, those were paid off. And about a month ago, I used and started going back down. Why? What'd you pull the line of credit for? The gambling. Oh, for f***s sake. Okay, there's no good guy in this story. It's not all his fault. It's not all her fault. It's your fault too. You're pulling$4 ,500 in a month for gambling? And to help cover bills because of the gambling. Okay.

56:34What the fuck are we doing, guys? Apparently gambling. What's your minimum monthly payment on this? Monthly, both are$220 each, so$440 a month. This is insane. What is your thoughts on this, seeing this? This is insane Oh, when I found out that she opened the credit lines I was extremely disappointed Oh, wow, disappointed, okay Because I thought that all the lines of credit All the personal loans and all that were paid off and closed They were Yeah, but now you're doing it again I know It's even worse And I made the promise that I wasn't going to do it again That I wasn't going to get us back into a So when she won the$60 ,000 I sat down and I made a whole checklist of credit cards, lines of credit, personal loans, of payoff, like which ones to pay off, Your daughter's doing this for you, by the way.

57:30She's really weird. You know, I mean, it's her idea. I asked her to help me. I actually asked my husband to help me, but. Well, he's not there. Well, also. I did. Whenever I asked you to help me, but he didn't have the time, so I wanted somebody to help me. Even if I did have the time, it wouldn't matter because she's going to take it all over and do it all herself anyway. which is... Is that what happened here? I mean, she got the personal loans and the lines of credit paid off. And a couple credit cards. A couple credit cards. She had, I think, 16 to start. 14. 14 to start. Okay, but it's getting worse again.

58:06Well, now I have 12 credit cards and two lines of credit. Now, there was a period of time, to her defense, that I went without a job because of the wreck that I had. They didn't have a vehicle for me to drive. And so I was down for two months, I guess. A month and a half recent. That was back in October. But prior to that, there have been stints. There's been longer stints than that where he hasn't had a job. But we're not going back that far. Everything started going down two years ago, down two years ago, right? Mm-hmm. Can we all agree on that? Yeah. What started two years ago? The gamble started two years ago.

58:50If you're doing thousands a month We're reopening lines of credit After you've made progress And now we're getting worse again It's the gambling guys What the f*** is wrong with you You have a six year old This is disgusting You don't have the option to gamble They have self-banning right You need to self-ban yourself from these apps Isn't that something you can request I don't know If I'm not mistaken I think it is You need to request that you are banned from these apps You cannot control yourself. That's true. Because I have to leave that up a few times and then come back. That does nothing.

59:23You need to request a ban. You can't control yourself. You have a six-year-old. And you have a failure of a daughter. Okay. Oh, come on. I still love you. I still love you sometimes. Yeah, you can love her, but she's a failure. You're not doing anything with your life and your stepbrother. You're doing nothing. Everything's a joke. You're living at home even though you don't like it. Yeah. It's pathetic. Yeah. It's pathetic. Nothing is going well. You guys make way too much money to be in this situation, which is even worse than making no money and being struggling. You guys make over six figures a year, easily.

59:59120 ,000 to 130 ,000 hours a year. And yet you live on a trailer on a property that you now own but can't do anything with and it's just broken. Now you live with your parents and your daughter's a failure and who knows what the six-year-old's going to look like. This is a disgusting disaster. Wake up! For for sake. I haven't gambled since Saturday. Oh, my God. It hasn't even been a week yet. God. I'm just saying. I'm just saying. All I'm saying. Bro, it's because you literally just got kicked out and moved into another house. I get that, but I'm just saying. You're out of the routine. That just means that I can do it, you know?

1:00:37Well, yeah, anybody can do anything. It just depends on how long. When it comes to addiction and stuff, some people just can't walk away or stop. No, you can stop. Bro, it's been a couple of days. Shut the f*** up. It hasn't even been a week. It hasn't even been a full week. No. I'll get you the mine card, formerly the Fizz card. It's a debit card that builds credit because obviously you can't manage credit cards worth shit. You can only spend it in your checking account. It's very good. Use that. And I'll also get you a course career certification or whatever you want. A lot of people in the audience have taken those and gotten six-figure jobs.

1:01:04So you do that and get the f*** out. What a mess. What a mess, guys. Oh, my gosh. So what was spent? Let's see. No, wait. No, this is something new. Oh, it was just out of order. On your Quicksilver that we just saw before, on Next, that is spent by you, that you over-maxed out with$1 ,000 of interest also, Titan... I don't know. You tell them what the f*** this is. What? What is this? What are you spending$75 on? Wow. What is it? I don't even know what it is. Nope, that's gambling. On a credit card. On a credit card. You over maxed out his credit card for your gambling. Oh. Rarity that I've only done that like maybe two or three times.

1:01:56Really? On the credit card. Hey, we plugged your shit into the DollarWise budgeting app. Yeah. $5 ,598 in gambling. Oh, in a month? Ugh. A lot of money. Jesus Christ. I knew it was a lot. I knew that. It's a lot. It's not all me. I know, I know. We plugged all your numbers into DollarWise, and your categories are fucked. They're fucked. Well, if the gambling stops, then, which it is. Almost$1 ,000 going out to eat. DollarWise saw you doing$1 ,000 out to eat. Just about. A month? Is that a month? It seems high. Well, does that include like gas station purchases or is that just like fast food? That's just, oh, fast food.

1:02:50This is why you got to plug your guys' shit into Dallas. It'll automatically just tell you where everything is going and you will have the biggest wake-up call. What the fuck? Guys, you don't even understand how disastrous this is. You should be living the best lives. The best lives in Little Rock. The median home price in Little Rock, what was that,$247? The United States is over$400. Do you guys realize how, well, it's because you live in Little Rock, but, I mean, if you're going to live somewhere like Little Rock, take advantage of how cheap it is to live in Little Rock. Right. Yeah. I want to see how this comes back to gambling somehow, but.

1:03:29It won't. You can't use J.C. You didn't know that for the Capital One, which was his card anyway. $2 ,831.88, which is insane. $103 minimum fee payment. What the f*** are we doing? Takes 14 years to pay off. What the f***? And a 33.49 % interest rate. It's the highest interest rate. On all the credit cards. I would say so. She had a late fee last year. What? On what? Oh, that's interesting. On what? On this card. On JCPenney? On JCPenney. That's surprising. I didn't know that. Is it? It's either you were late or you didn't have enough money in your checking account when attempted a poll. Nothing's on autopay.

1:04:11Well, nothing's on autopay. Well, even if you paid and it didn't have enough, it would bounce and you would get return transaction fee. But there was one last year. Oh. I try not to. I mean, I will. Well, that's good. You didn't even know what happened. Well, I have a calendar and on my calendar, I know when the bills are coming out. And how'd that work? Apparently, I... Not at all. But see, if you would let me... If you would kind of delegate some of that, it would probably help you remember. She would still check it to make sure that you did it. $1 ,100 in interest in a year. Man. Okay, who's the Capital One Platinum of$2 ,521?

1:04:54We have five Capital One cards. Platinum. So I don't know. World MasterCard. So we're authorized on each other. Oh, my good death. So I don't know which one's his and which one's mine. One of them, he's got two Capital Ones. I thought you might know the balance, but$2 ,521.64, minimum monthly payment of 82 bucks, 15 years to pay off, interest accruing. Oh, it's over maxed out. It's over. That's why it's not spent on it. It's over the limit. So what I do. It's on his credit, I'm being told. Okay. So what I do is I will pay the minimum, and then before the statement hits, I'll... You'll what? You'll what?

1:05:40If we need gas... Why do you need money? Why does a household in Little Rock, Arkansas, making 130 ,000 hours a year need gas money? Gambling. Exactly. Wake the f*** up. Capital One Quicksilver. 2 ,273. Who is this? Is the third Quicksilver. I bet it's on yours, Amy. It's either me or him.

1:06:08$2 ,273.32. Minimum monthly payment,$73. Purchasing additional cash advances,$46.36. Yeah, I don't know what that is. Well, I'll tell you what the f*** it is right now. $19. What was it? What was it? What was it? Let's find out. KTM. What's that? KTM. What's KTM? What's KTM? Gambling. You're cash advancing from a credit card gambling. But I didn't know they did cash advance like that. I didn't know they did cash. You certainly found out. I did. You did. And you got a$10 fee just for that. But I didn't know that. For$46, you paid an additional$10. And now it's accruing interest on that plus the$10.

1:06:49And probably lost the$40. And you went in the gas station and got some bullshit.

1:06:55Fees, interest, disaster. I didn't know they did cash advance like that. Well, yes, you did because you did it. But I didn't at the time. Another Capital One Quicksilver. C, how many do we have? $2 ,036.77, 13 years to pay off, minimum monthly payment,$66. $52.16 to purchases,$46 of interest accruing,$36 over the limit. What? You have a vacation planned soon? You can't afford to go anywhere? What's a vacation? Better not be to Oklahoma City. We're going to go. Vegas or... No, we're going with my parents and my whole family to Dauphin Island. But it's not... Where is this? Alabama. It's beautiful.

1:07:46But it's not booked yet. I mean, but we all share on the... What the f*** is it? Dauphin Island. It's the Redneck River. Yeah, Dauphin Island. It's beautiful. Oh, it's beautiful. We've been there. It is. It's great. We went there a few years ago. I can't afford it. Is it nice in Florida? No, it's not in Florida. It's in Alabama. Is it nicer than Florida? Oh, nice. Yeah. It's right there. Then just go to Florida. It's nicer than like Miami Beach or Clearwater. Okay. Well, less people, but it's nicer? But it only takes like eight hours to get there. So. Oh, road trip. It's closer. It's closer. And we share the cost of everything.

1:08:18Somebody cooks every night. You do that at other places too, but okay. Ultra OG E-Com Solutions East,$52.16. Gambling. Jesus Christ. It's just over the limit. Why do you actually even want to be close to this? You know the people you surround yourself with are often. Well, I didn't know it was this bad. I knew it was bad. I told you it was bad. So the reason why I do it or did it was because the way that it works is. How clear is the water in Alabama? It's not. Exactly. It's on the Gulf. The water is never clear. No. But the beaches are nice. And other Capital One clicks over. The literal fourth Capital One Quicksilver.

1:09:03Fifth. Fifth Capital One Quicksilver. Yeah, we have five. Well, yeah, but one's hurt, so there must be another one coming. $1 ,765.86 with a$58 minimum payment. It's over, Max Howell. It's over the f***ing limit, guys. It's over the limit. Not by a lot. You're the one saying you managed the household and was taking victim complex the first half of this conversation. But you're the one gambling. This is your card. Gambling to over the limit on everything. You're managing the household? No. You're destroying the house. You're destroying the house. I don't care if he doesn't take out the trash. You're obliterating the finances of this house.

1:09:38You're going to bankruptcy. You're going to the end of this house and marriage and survival. Maybe. Maybe. Are these numbers not screaming loud enough for you? No, it is. I mean, it's not going to because the gambling has stopped. Since a couple days ago. What? What are you talking about? How are you going to gaslight me with that shit? Oh, fuck off. Fuck off. Don't ever say the gambling has stopped again. It will. It is. It is. It has. Since Saturday. Since Saturday. Yeah, since Saturday. Almost a week. Shut up. I don't feel so bad. Well, hey, shut up. Here's the thing. We're homeless, so of course.

1:10:28Yeah, I can't afford to dance. You're living with your parents. Shut the fuck up homeless. If anybody's homeless, I'm homeless. City Simplicity, who's this? Me. What are we going to see here? Oh, over maxed out. That's curious. Not by much, though. Oh, that doesn't... Shut the fuck up by much. What do you mean by much? How much can you? Like if I make another minimum for the next month? Yeah, before you purchase it on it, because you made a$50 minimum monthly payment, and then you purchased$82.66. So I don't give a fuck if you make a minimum. $1 ,219 and 21 cents is the balance. If I make a minimum and not use it.

1:11:03Which you're incapable of, so I don't give a fuck. And even if you make a minimum and don't use it, it takes eight years to pay off. Eight years! That's the shortest payoff, by the way, we've had so far. It's because the balance is lower. Yes. Yeah. With a$58 and 9 cent minimum monthly payment. Wingstop. Critical, huh? Critical! We couldn't survive without Wingstop. I don't even remember. Couldn't survive without going in and getting some bullshit.

1:11:36Interest accruing. High interest rate. Okay, Nick, credit card. Chase, credit card. $1 ,000. She says she doesn't know how to log in. Well, they, yeah. To even pay. Right. I just make the - Oh, you call to pay. I call to pay. Oh, why do we live our life in such an overly complex... Well, because the card has so much mental energy. The card is in his name. He would have to call. Call! I didn't even know I had that card. Dude, you're in the bathroom four hours a day. Call the f***ing bank. I don't even know, but I have no clue what... Like, any of them cards. What? Yeah. What? Did she not tell you?

1:12:15I've been so hands-off that I have no idea what I did. Why haven't you told him? I've tried. He wants nothing to do with it. He wants the freedom of not having to deal with it. You don't get that freedom as a father and a partner. You can say what you want. I've tried a few times to talk to you about it, and it's as though you don't want to do it. Well, I know. I tried when I made the budget. His logic of what he wants to do is he wants to get another card with interest-free and then transfer all the balances over. That doesn't change any behavior, asshole. Right. That's going to make you get double the credit card debt because then you're going to not change behavior and build up the one that just went to zero.

1:12:47Well, the only time that we talked about that is instead of calling consolidation. Don't do that either until you change behavior. Right. That's the only time I get involved or, you know, that she brings it to. Whenever mom won the 60-year-old aunt, I tried to show you all the credit cards and everything and you wouldn't look. Because it doesn't matter what I say, you're going to do what you want, right? It'd be nice to know what's going on, no? But if you wanted to know, I feel like you should have been more forceful with it. I mean. Like I've tried to get her to say, I guess. What's the minimum monthly payment on this?

1:13:2140. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise. Guys, just real quick, don't forget to take your Hammer financial score at calebhammer.com. See where you stand, where you got to do better, where you're doing shit. Listen, it just takes a few minutes and it is free. Figure out where you stand in the world of money. Calebhammer.com. See, I can't even see the actual.

1:13:54The balance is a thousand. Okay, care. Oh, care credit. Care credit. That one, they kind of screwed me on. So this is yours. That's mine. He had one, but we paid it off because if you don't pay it off in a year, all the interest compounds. So how'd you get screwed on that? That's deferred interest. Well, because I didn't. It was the first care credit. Well, you look at it. I know, and I didn't. You didn't get screwed over. You didn't look at it, dude. That's not getting screwed over. You can't be a victim and everything. Four years to pay off. Almost maxed out,$893. Okay, yeah, minimum payment.

1:14:27It's not maxed out. Almost, it's close. Oh, and I don't use that. Shit ton of interest, of course. 26.69 % interest rate. But it has a Home Depot credit card now. That's next. Who pays this? I do. So I'm confused, because a larger payment was made on this one. And then no purchases, but there was purchases on everything. There were fines. What the f*** is happening here? Okay, you owe$834.12. Minimum monthly payment,$50.04. Okay, 23 months to pay off. Went down from$1 ,200, but... Oh, you were past... No, no, you weren't. What is this fee? Oh, is this a monthly fee? This is just a horrible card.

1:15:15Oh, it's at a 35.99 % interest rate. Oh, good gosh. That's you. Oh, you wanted to start a lawnmower business? Yes, that's where this came from. Oh, what are we even talking about? You wanted to start a business. You can't even get out of the bathroom. That was when he didn't have a job. When was that? Right before rehab. It was right before rehab. Oh, for fuck's sake. That was what threw them into the ultimatum. Because he didn't want to get tested? No, he didn't want to. He didn't want to work. He didn't want to work. He still will tell you to this day. If he didn't have to work, he doesn't want to work.

1:15:49Like anything at all? Do what? Well, no, I mean, I would work. I would just do exactly what I wanted. I would do what I want to do, right. What do you want to do? I'd love to get into having, like, I'm just a big kid. Like, I still, one of my vices is baseball cards. What's the same tantalization of all of you? Yeah. Baseball cards, football cards. Oh, for f***ing sake. Yeah, no. That would be your job? Baseball cards? Well, yeah. I would probably get into a collection. Okay, don't pursue your passions ever. Good. But that was what that is from. The card was open for it. The card was open for his lawnmower business that went nowhere.

1:16:25PayPal, who's this? You have everything. Yes. Of course, but you use it, right? I don't use it. Four years to pay off, you pay it? Yes. $761.92 with a$30 minimum monthly payment. Yes. The only time I've ever used the PayPal was to pay like a Centrox, like a water bill to help pay in the water bill. Why is it so high then? These were purchases from a long time ago. I don't even know with PayPal. You could be making so much progress, but you put it all to gambling. You could have such a good life. You have no idea. Who has the credit one? Me. You know, credit one is like the definition of the worst of the worst.

1:17:04Yes, I know this because they charge a monthly. Oh, they sure do. $8 fee just to have the card, but it's like$378. You think that's what's making a break in your life? No, it's your gambling. $367.79 with a$30 payment. It's almost maxed out. Interest and fees are accruing. Okay, what is this? Baptist Health. Oh, so he had a medical emergency. What? So his ankle was... Yeah. So he had to go to the circulation. Are you on a payment plan? Yes. So it's$50 a month. Okay. And you owe$350. $343.26. Mm-hmm. I mean, this doesn't stress me out as much medical specifically, but I just don't understand why we gamble while we have this.

1:17:58Okay. Money owed to family. What the? $57 ,000? So that was for the purchase of the five acres. Yes. Okay. so you bought the property$57 ,000 for family so it's a personal loan to a family. I thought you said you acquired property. Oh, I didn't realize you still owe family for it. Oh, what the fuck? What's the minimum monthly payment? Is there interest on this? No interest in$130 ,000. How does she know? No,$300 ,000. $130 ,000. Yeah, it's$300 ,000. Can someone tell me? What the fuck are we doing? Why are we even doing this, guys? You could have got a nice house somewhere. What the fuck are we doing?

1:18:36Why? What is this obsession with grass? I'm glad you have it. You'd get it somewhere else. Well, the reason why we wanted the five acres is because it's right next to our family. And— Oh, my gosh. But you had to borrow from family. Borrow from family! $57 ,000. Now you owe 300 a month. You're lucky it's zero interest, but it's so stupid. but you go into debt for everything. Who has student loans? We both do. We all do. What? We all do. Okay, who has$57 ,000 on one? $53 ,000. Who is it through? Advantage. Oh, that's him. What? I got a bachelor's degree. What? Marketing. Business marketing. Oh, my, dude.

1:19:29What the f***? When? This is so much. $53 ,132.56 minimum monthly payment. 2014. $718.01. What the fuck are we doing? What the fuck are we doing, guys? So I signed up for a plan on that one. It'll be paid off in 12 years. It's$270. Yeah, enjoy that forever. My God. $270. Okay, who has Mojila? Me. And what's the total balance on this? She does. That's mine. I have two separate loans, but the total is about$4 ,000. And you got no student loans. Or you got no degree, right? No degree. No, I went for one semester because I felt a little bit of pressure from family to go. But there was also no— You felt too complicated not being literally under your parents' nose for two hours?

1:20:23I was driving home every day. I was driving home every day. Oh, no, I was driving home. What the— Oh, wait, you had a dorm? Yes. Dude, you are too sheltered. Thank you. You're actually going to have a weird life. Probably. I mean, I don't know a lot of things. Like cleaning, I have been watching videos because we're about to get our own place to learn how to do maintenance on house. You're watching videos on cleaning. I had no idea that like dishwashers and fridges had filters that you're supposed to clean. No idea. You're watching videos on cleaning at 21. I didn't know that. You could have asked me.

1:21:05Could you guys parent for once in your life ever? She could have asked me. I've tried. So mom made you go to this college and go to the dorm. Yeah, let's just be transparent. I essentially forced her. Honestly, you probably should have. You probably should have. And a lot of that. You're a f***ing shouldn't. But also what I was going for wouldn't have been worth it because I was going for animal scientists. What? There are animal scientists, though. But I can't do blood. I'll pass out. Even animal blood? Yeah, can't do it. I will faint. Then do something else. I don't know. Yeah. I don't. Yeah?

1:21:42It wasn't for me. Shouldn't have gone in general. Now you're just going to be a bank teller for the rest of your life, living with your parents forever? Not teller, no. I'll move up. That's what you are. Now. But everybody loves me there, and they keep saying that. Wow. What an accomplishment. I'll get up the ladder at some point. Will you? Yeah. You're satisfied living at home. Having your parents walk on you. I've also walked in on them. We're married. Can we not put socks on doors or something if we're going to live like this? Who has the Kia Sorento? Okay. What's the balance? I can't tell.

1:22:19It's like$12 ,000 or$13 ,000. No,$13 ,280.65. Minimum monthly payment. What's your minimum to payment on your student loans? $55 a month. Okay,$55. And then yours on this Kia,$184. Well, it's really - We missed your student loans. What are your student loans? Oh, so they're about$57 ,000 to$60 ,000. What's 60? What's your minimum? So I signed up for a plan, and it's$250 a month. I'm going to die. And in five years, anything not paid off will fall off. So it's an income contingent plan that I signed up for. When? About a month ago. Okay. Because the first payment's just now coming due on that. That doesn't make sense.

1:23:10With who? Federal government? Mm-hmm. ED Financial. The Rapid Repayment Assistance Program forgiveness is like 40 years of low payments. It was ED Financial, and it was for five years. I would double check. I think it's the length of the—it's because it's been so long. I mean, I graduated in 2010. I would just double check. Okay, what's GS Lending Services? GLS. Passed due? Passed due$643? That is... What the f*** is this? That's... Oh, what is this? It's a 12.7 % interest rate of death. Yeah, that's the Hyundai. Oh, it's a Hyundai. Who's Hyundai? Well, it originally started as hers, and we bought it for her when she went to college.

1:23:44Brand new. Of course, we couldn't stay out of the house. Oh, the Kia was passed due as well. Yeah. Well, the Kia, I mean, the Kia is - So tell me, what, now he has it? Well, hang on. So the Kia is$435 a month. Yeah. As far as the Hyundai, yes, now he has it. We bought it from her for$3 ,000 and she went and got her another vehicle. Wait, wait, wait, wait. Oh, the Kia, okay, okay, okay. The Kia is$435 a month? Correct. Okay, so I had it lower. But the Hyundai, what's going on with this? So it's$643 a month. And so currently what I do. Okay, but you're late. Correct. So what I do is I just, I'm a month behind.

1:24:28So how much a month? A month behind. So it's three. No, it's$643. Oh,$643.91. My life. My life. You owe a total of$16 ,781. What are we doing? $0.39. And you're gambling, yet you're behind. This is so ridiculously, this is so stupid. Okay, the amount of paperwork left is usually the amount of paperwork that someone comes into financial audit with. We're at an hour and 29. Jeez Louise. I think that you're about done. She just hit me with a jeez Louise. She needs to leave this house immediately. She needs to go get some life. She's saying jeez Louise. She's an 80-year-old. She has no life. She needs to leave this house.

1:25:18I don't like cursing in front of my parents. You don't have to curse, but geez louise is something no human has ever said in the history of 21 years old. I'm around a lot of old people at work. Kick her out and home. I appreciate that she doesn't curse. You don't have to curse and I say you're an old person. Oh, okay. What is this? $24 ,264 with a 75 % interest rate. That's not me. That's my car. Oh, you. What are you doing? It's an Acura TLX 2020. 2020? So we bought - Why? But when you don't pay rent, you can spend that kind of money on a car. Huh? $24 ,264. What's your minimum monthly payment?

1:25:59It is$484 ,52. Yeah, for fuck. But I got, so I refinanced with my bank that I work for. Is this the refinance or before? Yes, that's the refinance. This is the refinance at 7.25 %? It's not great. Still got to pay it off quick. So stupid. It's a lot better than what it was. Sure, great. Doesn't mean it's good. Okay, Amy, medical bills. Oh, that's good. I don't even have a number. It's UAMS. How much is this? So it's$782, I believe. $738. $738, what's the minimum monthly payment? $82 a month. And that's because he had to go to the ER and we didn't have insurance. For the ankle thing? Mm-hmm. And he didn't have insurance at the time.

1:26:39Okay, I think that's actually the debt. Thank goodness. The rest of this is checking accounts? Well, in savings, I have checking, savings, and a 401k. Yeah, let's see what those are like. Okay, this checking account, who is it, ended at$26? Harvest. What is the account number? I don't know. The last four? I don't know. It's blacked out for your safety. Oh. Huh? Oh, it's his. It's Nick's. Yep, there's his trip to McDonald's. Anyway,$26. There's going to be just a lot of transfers. McDonald's, summer, autumn, play. Gambling. Laser Great Gift Shop,$47. That's gambling. Gambling. J.H. Mart? No, that's going to be a gas station.

1:27:29So you're going in and getting some bullshit. Going in and getting some bullshit. Amazon, Cash App, Plex Worldwide. Gambling. Gambling, gambling. Going inside, getting some bullshit. McDonald's, getting some bullshit. Whataburger, this is insane. Getting some bullshit. Burger King, gambling, gambling. Chick-fil-A. I think gambling, Bulldogs Restaurant, Smoke Palace, cigarettes, and gambling and gambling and gambling and cash up for$50, Amazon, Walmart, yeah, bullshit probably, smoke shop, going to get into bullshit, Amazon, this is insane, Ocean Doc. Gambling? Yeah. Liquors, smoking, going inside to get into bullshit, Gambling, I think.

1:28:15Gambling, gambling, gambling, gambling, gambling, gambling, gambling. Yeah, you know how it added up to the thousands we talked about before the dollar was all? Yeah. McDonald's, Amazon, Amazon, Texas Roadhouse, La Quinta Inns and Suites. Where are you going? Yeah, where are they? Gambling, Cash App, Amazon, Amazon, gambling, gambling, gambling, cash app, gambling, gambling, gambling, gambling. Own It Fit. What is it? Own It Fit? Own It Fit. Own It Fit. That's gambling. Gambling, gambling, gambling, Amazon. It's a stupid. Gambling, gambling, gambling, gambling, gambling. Seven Brew, McDonald's, Sonics, going and getting into bullshit.

1:28:53Smoking, bullshit, bullshit, bullshit. Dare Queen, McDonald's. This is insane. This is one month. This is crazy. Gambling Roblox. Oh, my little brother. Bad. He's getting groomed too. Gambling, gambling, gambling, gambling, gambling, cash app, Amazon, Taco Bell. Who are you sending cash app to? That's to the friends and brother-in-law. Okay. Gambling, gambling, McDonald's, McDonald's, gambling. Oh, no, bullshit, bullshit, bullshit. Bullshit, McDonald's, cash app, cash app. So cash app, away for hours at a time, locking himself in the bathroom. Well, cash app also is for the game. So if you win money, it goes through cash app.

1:29:40Okay, cash. Yeah, but this is, no, these are outs. These are outs, not in. Oh, they're all outs? Yes. Well, you can also do cash app for the gambling as well. Parties, I think gambling. They're probably not all. Bullshit, gambling, gambling, gambling, bullshit. McDonald's, dude, this is the most insane checking account I've ever seen. This is actually disgusting. Cash app, gambling, bullshit. McDonald's, fashion? Hallway fashion? What's the amount? $48.88. Yes, gambling. What the f*** are we doing? Cash app. Gambling, gambling. Bullshit, bullshit. Gambling. Gambling. This is insane. This is insane.

1:30:22All right. Whose account went from$52 to$1 ,267? My. I was going to say, I don't have that being. Getting some bullshit. Wendy's gambling. Gambling, gambling. RB Sonic. Gambling, gambling, gambling, gambling, gambling, gambling. Gambling ,ibliness. Schlotzky's ,gambling ,texas Roadhouse. Gambling ,gambling ,gambling. Bullshit ,bULLshit. Gambling ,gambling ,gambling ,gambling ,gambling ,gambling. I think we have a gambling problem. Oh, I think so. I would actually get some help on this. Gambling ,bullshit ,check-fil-a ,gambling ,gambling. Gambling ,gambling ,gambling ,gambling ,bullshit ,bambling.

1:31:06gambling Wendy's gambling gambling

1:31:1150 bucks a pop by the way yeah that's why you should have used it otherwise you would have seen these numbers and you would have thrown up gambling gambling Wendy's gambling gambling gambling gambling

1:31:29papa john's gambling bullshit Gambling, gambling. You might actually have more on there than I do. We have just as much. Gambling, gambling, gambling, gambling, gambling. Gambling. PayPal out. Probably the gambling. Gambling, gambling, gambling, gambling, gambling, gambling. Gambling, gambling, gambling, gambling. Sonic driving. Gambling, gambling, gambling, gambling, gambling, gambling, gambling. I'm seeing a pattern here. Gambling, gambling, Sonic, BS, Subway. Okay. with two over traps. And how many months is that? One. One. You have Capital One? Who has Capital One? Me and my mom both have Capital Wons.

1:32:12Okay, who has a dollar? Me. Okay, gambling. Oh, that was just a, you know. A gamble. No, I... It certainly was. $2 ,000 and this savings. That's my mom's. But in the checking account, who is it? That's my mom's. But in the checking account, it's gambling, gambling, Gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling. Zent out, gambling, Zent out, gambling, gambling, gambling, gambling, gambling, gambling, gambling, gambling, Zent out at mental chart, $200, gambling, gambling, gambling, gambling, gambling, gambling, all this in one month, gambling, gambling, gambling.

1:32:55Sent out, gambling subway, gambling, gambling. The savings she was ragging about earlier went from$4 ,000 to$2 ,000. So she did gamble. So your retirement for the remainder of your life at almost$50 is$17 ,000 and then$1 ,500. What a pathetic joke. Yeah, that second one is mine. My retirement. You? She has retirement. This one's better. Budget. Figure out his income. Don't get on loans together. Go get a rental and live your f***ing life and pay off your debt, asshole. That's all you need. You guys need something else entirely. Get out. No wonder you're on financial audit with them because you can't separate yourself.

1:33:38It's really fucking weird. Leave the house. You're going to be a weird freak, dude. Guys, the minimum monthly payments for this household, not hers, included is$3 ,735.05. Absolutely insane. You're lucky with the household. We're bringing about$9 ,974. Wait, no.

1:34:06$8 ,974 net. Well, no, gross. You've got to set 30 % aside. I'm going to take off$1 ,000. $7 ,974. When's the last time you filed taxes? We do them every year. Okay. Okay, utilities, electrical, I don't even know, but usually what is it? So we have, for the trailer, it's about$220 a month. Okay. For the shop, it's about$115 a month. Okay. And then we have the rent house because we planned on rent. How much? It is$55 a month. Okay. Okay, gas, vroom, vroom, drive, drive. How much on a monthly basis? $80 a month. For both? For me. Okay, you? Driving, car, vehicle? Probably$40 because I don't drive a lot.

1:35:04I drive company vehicles. And his work's right down the road. Okay, phone bill?

1:35:14$220 a month. Okay. And we're all three on the plan. Groceries, one, two, three. You guys use the meal plan, use the cookbook, use all the good stuff. You guys, not her included. She's on her own now. You're dead. You're independent. Thoth. Okay. You guys with the kids should be able to do about$700 a month. TP fund, anything else you guys need is$5 ,250. Medical health care, co-pays on a monthly basis, any? Yes. How much? We pay his separate. It's$235 a month. Okay. Mine's included on my check. Copays? No copays, though? No copays. What do you mean by copays? Copays. Like if we go to the doctor, there would be a copayment.

1:35:59Do you go to things on a monthly basis? Okay. No. So$235. I'll try to do subscriptions to$75. You have any pets outside of hers? No. You're going to have to get them pet insurance. She's keeping two dogs when we move. Are you? Are we? Well, I said we keep one, but she needs me to take care of them. the other one. Yeah. So they can't be under the same house. Yeah. One, two. We'll have to. Okay. Okay. Pet insurance,$100, because you can't take care of them if they get sick. How much for pet food for those two? Well, I'm not going to pay for any of that. Oh, she's going to pay for it? She's going to be paying for it.

1:36:33They're her dogs. They're just simply staying with us. Anything else that needs to be in your guys' budget that I have not included?

1:36:42Not that I can think of. It's bare bones. What? We didn't do the water or the gas bill. I asked for utilities. How much are those? Oh, the two. I was giving you only electric. Okay, yeah, give me those. Okay. So we had water leaks, so it's kind of hard to know. Just tell me. About$120 for the water. And then gas is about$75 a month. Anything else? Water for the house, not the trailer. Hmm? The water at the house. Oh, for the rent? Yeah, no, the$120 includes that. That includes, okay. Okay, there is a debt payoff journey here, but it's low and slow, unfortunately, about$5 ,960.05. I would not do bankruptcy until you change your behavior, and then you can consider it, or else you'll be in this situation again.

1:37:29However...

1:37:34I mean, it's going to take a long-ass time. So this is$20 ,000 of bad debt. Does that line up? Let's just pretend, for the sake, you have$35 ,000 of bad debt. In case I got something wrong here. Even still, with your$5 ,900 you have left, of your$7 ,900, that gives you$2 ,000 to play with on a monthly basis. So that's just 17 months. I'll actually give you guys$250 for fun for the kid. Well, we also kind of need to factor in housing, like a mortgage of some sort, if they can. Yeah, well, we don't know what we're going to do. Yeah, we just don't know what we're going to do. Well, I want to build something now.

1:38:10I would rent something now, get your debt taken care of, and then pay this off. If you rent something now for$1 ,000, this doubles it. It takes two and a half years to pay off the debt. But that's okay. Go work some more hours, and that's fine. And you can pay off even quicker. I'm okay with that. And you're just doing it with you two, the two dogs, and the one kid, so you don't have to rent something crazy. And it's just a couple years. Pay off the debt, get a fully funded emergency fund, then build something. You can do that. That's fine. This is just a couple-year process. A couple-year process.

1:38:36That's fine. This isn't the end of the world. How much does it take to get up that house to living standards for you guys to live in that for a while? Into the rental house? So they want to bulldoze it down. Well, yeah, we'll live there temporarily. What would it take? Temporarily? I would say probably 10 grand maybe probably because, I mean, there's— That might be worth it. Yeah. So I'd maybe put 10 grand to get someone else to fix it up and make it so that you guys can live in there because that all of a sudden brings your minimum through payment down once the 10 grand is gone, meaning you can pay off all your debt in one and a half years, all your bad debt, the minimum payments and student loans in the family.

1:39:15And then you are saving up a fully funded emergency fund. And then you save up enough to put a down payment down on building a dream house, which you guys can, on your situation. But none of this includes gambling, of which was thousands. So what was it, like$5 ,000? You have 2 ,000 hours left. After the 10 ,000 hours you borrowed to get it fixed up, you probably only have like 1 ,500 left. This does not work unless you quit gambling. Go get help. That's it. That's it. And then build this budget. Work on it. I'll give you this. You follow it. It's not that difficult. Just stop being children with your money.

1:39:45You guys are adults. Yeah. We're going to call the boyfriend in the post show, and we need to confront him on a lot of shit. So make sure you join Hammer Elite. Let's get the Hammer financial score first, though. We're going to do it for you guys. For you, grow the f*** up is your score. My goodness. I don't even know what to do with you. We'll figure that out in the post show with your boyfriend because we need more info from him. You guys, though, spending in a budget, overspent, not even close, zero out of ten. Debt, no collections, bad, just lots of individual debts. It's kind of crazy. I'll give you a one out of 10, though.

1:40:16That's being generous. Emergency funders, what,$2 ,000 in savings? That's probably about a one out of 10 for your guys' living situation. Retirement, dramatically behind, two out of 10. Real estate, all your own land, but not a house. It's weird. And also, you have a family debt on it. It's not great. Not happy about it. Three out of 10.

1:40:34Hammer financial score for y 'all's household, 1.5 out of 10. Get yours at CalebHammer.com. Now click join Hammer Elite. Three premium shows posted every single day, six days a week. See you in the post show. Hello. I kind of want to know why you're a loser who won't pay rent even though they've asked you to pay rent and you're not contributing anything to this household whatsoever. Oh, he sounds like an absolute pothead. What would you guys think if you had a daughter and then you moved in a 16, 15-year-old guy and he started her in the house? It's like your worst nightmare. I don't think I would let him stay there.

1:41:07Dad, step in! Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.