Gold Digger Exploits Beta Husband | Financial Audit

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0:30I'm 34 years old. My name is Garrett. I'm 36. We live in Houston, Texas. And this is Financial Audit. Thanks for coming over to Austin, guys. So what do we do for a living in Houston, Texas? We'll start with you. I'm a flight attendant on the weekends and I stay home with our two kids. During the weekdays. Correct. Okay. Well, okay. So very much part-time, I'm assuming. Yes, but I am full-time. Mama. Full-time mom. No, flight attendant. I'm full-time. Oh, you're getting. Okay. How many hours are you getting on those weekends? It's 72 for the month is what I get. Oh, okay. There are some times where she works during the week.

1:10Yeah. So how much are we making from this? Because your payroll is practically nothing. I make 50 for an hour, but I'm averaging like my months are like 50 to 70. Huh? A month. Huh? Hours? Yes. Oh, okay. Well, what hits your bank on an average month? $3 ,000. Okay, well, that was not reflected in this last month. We had$600. What was different?

1:42It should be more than$600. It didn't work as much this month. Why? Yeah. People not flying? I mean, no. I don't think I worked much. I don't work that much in the summer. It's kind of a choice. Isn't that when people travel? um yes but um but that's because the kids are home more because there's no school how old are the kids we have kids yeah how old are kids two and four two and four okay yes well why less in the summer i just don't think i worked much in the summer yeah yeah yeah why because she likes to take off okay but our spending seems to be maintained yes

2:25How much you guys think you spent in this last month? When really only his income came in How much you guys think you spent in this last month? 12 ,000 I'd say probably around there Pretty damn close, 11 ,764 But only 8 ,677 came in from your paycheck So how are we maintaining the same level of spending If we're not working? I'm confused We're just taking time off But we're continuing the same level of spending That doesn't make any sense we start uh dipping into our emergency fund towards the end of the month for what to cover some purchases that pop up a lot of uh purchases that pop up i.e what gave you that tan i.e going on vacation yeah that's an emergency we take from an emergency fund to go to islands and stuff it's an emergency no we that was planned out prior to um a lot of the last minute knickknacks or impulse spending that happen emergencies that'll be pulled out of our emergency i think i brought more in like in in august we don't have it was there a secret account we don't have no i i don't know why you don't have it unless i i don't really remember why i didn't work very much but it just seems off the number seems off that's what hit that's at least what hit okay what do you do for a living so i work in the oil and gas industry oh yes he's a texan okay oh cool what do you what do you make right around 120 wow that's great Okay, so that helps sustaining.

4:03We live in Houston, definitely energy town. Okay, what is your position? I'm kind of a drilling fluids specialist tech. I work in-house for one of the major offshore companies. So do you get down and dirty? I worked offshore for 10 years, and since we had kids, moved back, working in the office now. Okay, how long have you guys been married? we just celebrated six years oh very nice okay so a little different than most married couples on the show one you've been married a little longer a lot of people are kind of newlyweds on the show and two your guys's kids were within your marriage which is maybe the first time that's ever happened on this show um not that either way is bad or good i don't give a but it's interesting It shows that maybe you are a bit more planned.

5:00And the weird thing here is there is retirement here. That's the weird thing. But then there is so much that does not correlate with a couple that plans, especially if we're taking for an emergency fund for knickknacks. And one of you has a secret that the other doesn't know, and I don't know what the secret is. or who has it but one of you wants to tell it and what is it who has the secret who's the little secret you're the secret or yeah what's your little secret i mean it's

5:39i just like pulled from may like made another loan to cover a credit card so we could go on our trip oh my okay okay and i didn't tell him wait why doesn't he get to know that why are we doing that without his knowledge oh he thought you were pulling from an emergency phone not that that's even better but actually no you said the trip was p planned i was gonna tell him i just was but you didn't so i don't give a was you didn't well no i don't tell him huh i yeah i didn't tell him why because i mean i was going to but you didn't didn't want him to stress about our trip but now you're stressing about the trip even though the trip is already done because you've borrowed on it now you have to pay it off you borrow you open it you took out a loan what kind of loan uh uplift okay no no yeah no upstart was the loan i took for the card upstart yeah i took that out to pay off a credit card that was maxed out so that we could have spending on the card oh my that has nothing to do with that has nothing to do with the vacation well then what are you talking about you because that just contradicted your whole thing i'm confused too What are you saying?

6:49So, yeah, we did finance the vacation that we just took. From what? On what? It's like the pre-planned, like a firm, like one of those. It's called Uplift. So Uplift and Upstart. Yeah, I have both loans, an Upstart and Uplift. And which one did you know about? And which one did you not? Or neither? Why? Why? when when did you do this the last week of the month before our month september okay the last week of september yes you did this yes i got a loan out and paid off a credit card that was maxed out yeah why but like why because that just it's got my name too on it or is it No, it's just mine.

7:44It's just mine. Because it affects us both, and that is not really a good feeling to have that go behind my back, you know? Yeah. But. I didn't think you, I think you would understand why I did it, so I didn't figure you were going to be mad. Well. Understand why you did it. You did it for the vacation. Correct. And are you mad? Yeah. I don't say mad. I'm pretty disappointed. That's kind of a big thing. I thought we were low on funds during the month because we were taking out to pay for a trip instead of... How long do you guys go on these trips? Or how often do you guys go on these trips? Like twice a year.

8:33Can you afford that? I mean, obviously not if we're taking out debt to pay off a card and then another debt to pay for this trip that we can't pay for and then you think taking out for an emergency fund for knickknacks obviously not so why why are we doing these trips when we just we have young kids uh shouldn't we be getting care of and buttoned up for the sake of their future instead of going and seeing some palm trees it was for my birthday and my son because our birthday's together happy birthday you have one every year i don't give a so to see what probably not but probably not i don't regret it i don't regret the trip probably not are you saying you're dying terminal no you terminal with brain cancer is that why i was agreeing with you that like my son probably didn't care about the trip for our birthday well no none the four-year-old barely passed the age where he's gonna start remembering things other than that the two-year-old has no idea what the going on it's basically just a group of cells floating around in the universe can't form memories.

9:38Well, we have pictures from it. Well, that's good. As long as they don't go blind, they'll be able to know they went to a place with palm trees. It seems to be every year we've got a birthday trip. They're all in October. What, do you not agree with these? So why are we doing them? Wait, what are we doing then? I just plan it and he just goes on them. I don't agree with a lot of them. Why are we doing them then? And we just do it. Because I like to travel. Cool. But if he disagrees, why do you win? Win, win, win, win, win. Maybe because I'm controlling. I don't know. He just does whatever. Like, hey, I have a trip.

10:20He just packs his bag and he's like, okay, where are we going? Like, when we get to the airport, like, he doesn't know anything about the travel or the expenses. He just goes. And you're saying you don't like that. I don't prefer. I'd like to be at least consulted. Like, hey, let's take a trip. Okay. Do you guys have conversations about this? Or is this the first time? What are we doing? We've had this conversation multiple times. Why has nothing ever been addressed then? I feel like I could be sitting on that side with you talking to her about a lot of these financial issues. I'm not the only problem.

10:52I am saying I'm a huge problem, but I'm saying I'm not the only problem. I've never said I wasn't any problem. So, but I'm also, when we say pulling out of the emergency fund for things, I'm not the one that's pulling out for things. She's the one normally pulling out the emergency fund. So. I mean, I do have a spending problem. I know I do. Like, I know I'm out of control with spending. I'm confused. We talked about, before we started filming, you found this show through George Camel. you found george through dave you've been through a live event with dave you know he'd be against all of this dramatically you've been on that path of relative being surrounded by the knowledge of how to not be a dumb money and yet we are in still so like what you obviously just don't care the vacation is more important than any financial stability or any fixing or any change of behavior year right it has to be yeah it's gotta be yes because this is a daily watching financial videos and doing all this on earth i watch without any action i'm confused we we might have action for half of the month and the other half is let's go do whatever we want get a little fire under your butt for a moment and then then you're done yep why do you think it falls off because i impulse If I'm a spy and I regret it after, I can go to Target and spend$600 and then I can take it all home and regret all of it.

12:33Then return it. But I don't. Okay. So then I just am negative$600 for going to Target. And how much is this loan that you took out that he doesn't know? $6 ,000. almost what you bring in after taxes and everything on a monthly basis immediately a month has to go to that how much was this vacation you took out six thousand no the vacation was four thousand what kind of lifestyle are you guys living champagne taste on a beer budget it seems like uh kind of spend what we want to spend um what goals do we have for you guys for the kids where are we trying to be looking five years down the road 10 years down the road 20 years down the road what are we trying to do because right now we're just living for fun in the moment what are we trying to do do we have any combined goal i don't think we have a goals together i want a house in palm beach by 40 and i Are you going to be able to move?

13:44No, I want a second home. No, she wants a second home, which is ridiculous. Let's talk about something every business owner fears. Running out of cash when you've got payroll to hit or a new project on the line. I've been there. When I started the show, managing cash flow was a straight up nightmare. Between payroll, new equipment, and scaling up my business, I always felt like I was on the edge. And that's why today's sponsor Relay is a game changer. Relay is an all-in-one business banking platform that helps you stay on top of your cash flow, right from your phone. No account fees, no stress, no unnecessary bank trips.

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14:59Relay will have your business running smoother than ever. Avoiding the problems I ran into is easy with Relay by your side. So check out the link in the description and claim the$100 sign-up bonus today. Let's jump back into the episode. You guys are spending$3 ,000 more than came in on this last month. I understand. And I don't want... What the f*** are you talking about? Well, how much is a home in Palm Beach? Like$700 ,000. Too much? Like$700 ,000? Is that nothing? I think we can get a loan for it by$40 ,000. Okay. Well, I'm confused. Again, you're the one that watches the financial content on repeat.

15:35Are you there just for the entertainment and you don't walk away with anything? who no one would advise that that i know of i mean i have a problem i need to fix oh shut the up if you have a problem and you know you have a problem this isn't like it's not like you're an alcoholic here you know spending is out of control absolutely but you know this you acknowledge this but i don't change it i know and i'm asking why why have you done nothing why have you put no action behind this i need to know at least your own self-assessment i need to know as well i mean i've done charts like no spinning charts on the fridge i've put them up i've done like ringlets of our debt like little paper rings and hung it up like stupid little things decoration her house i've like i just don't follow through You said it really well earlier.

16:31She'll have fire for a while, and then it's on to the next thing, on to the next fad or on to the next let's do this or that. And for my side, I look at a lot of, okay, are our bills paid? We have roof overhead. Are we fed? Are our kids safe? Are we safe? Okay, whatever's left after that, I'll automatically put stuff into savings. um that we don't touch but after that i kind of um you put money into savings you don't put any money into savings into does not put any money into say into our 401k every oh okay that's i don't consider that savings aren't you guys are taking loans against your retirement accounts yes we have done that we have done that before yeah there's two so well it doesn't even matter if we're putting money into there, if we're just borrowing against it.

17:27Yeah. Why? What are we borrowing for? So we borrowed to buy our house. That was the second one. That was the down payment. Yeah, your 401k loan was to put down for our house, and they didn't even use it. But we took out to put down for the house, and they didn't even put it down for the house. They didn't even put down the$15 ,000 that we took out. They just they put down like 2000. I don't know why. What are you talking about? The people that sold us the house. You tell them where the money goes. You tell them where this goes to. So let's go to closing costs. Is that what you're saying? We didn't have any closing costs.

18:09Where'd the money go? It just stayed in our account and then we paid off his truck with it. I believe. I don't know. That was four years ago. I don't know. I don't know. I'm so lost. All right. Let's get into these finances. I want to see self-assess. Where do you guys think you are? I'm going to say 3, 2, 1, go. On go, I want you guys to give me what you think your household financial score is. Zero being the absolute worst, 10 being the absolute best. Where do you think you are? 3, 2, 1, 6. 4. What the f*** are you going to do? What is this delusion? You said zero being the worst. And 10 being the best.

18:47How do you think you're above a solid, like down the middle 5? you guys are barring against your 401k you just so your wife opened debt to pay for a vacation that you had to take for a birthday thing so what the we had a four or a six yeah um i guess it's because i i know that we can we can turn this around and get out of debt um but you're not yes and the score isn't a hope of what you could do it's what's happening okay well then i'll go back to a five i at least think we're we're better than than the average for sure well we'll see we'll see there is retirement but again we're borrowing against that that is what is going for you is the retirement but we're kind of negating it all right let's start looking at these stats if you want your hammer financial score it's free link in the description below and if you guys want to be on the show calebhammer.com slash apply all right delta sky miles great for all our vacations all right so on here we owe one thousand two hundred thirty dollars and fifteen cents the minimum payment of forty dollars this looks like it's interest free oh i don't know about interest free you paid off the last balance but you did immediately put another two thousand $132 on here.

20:09So what is this card? Who manages this card? Do we even know what's happening on this card? Explain this card. She kind of manages all of our financials for the most part. I'm so confused because you're complaining about the finances, but why then are you not involved? Why is she just doing it? Why is it just put upon her? Now, I am involved, but a lot of it is she really enjoys doing all these things and she gets so so caught up in all the the financial stuff and three thousand dollars went out more than came in last month yes so i'm confused for me like i kind of said earlier if making sure that our bills are paid and that are but roofs overhead one there's my focus there's a late fee in these statements oh there's probably a few so if our concern is that the bills are paid and the bill wasn't paid on time yeah why that's obviously the system's not working correct so what we've done nothing to address it to get more involved to have these open honest conversations sir you like doing it that's great you have fun with it wonderful i think it's a couple we probably need to sit down and go over our finances on a monthly basis i agree but why haven't you guys that's just what i'm trying to figure out from this whole conversation is okay we seem to at least know we know what's right but you guys haven't done anything regarding what is right and you're not able to give me a why other than i like spending yeah i don't i know it's um oh how are you guys ever gonna get anywhere if you can't just acknowledge any potential reason because if you don't have a reason that we can start focusing on how are we gonna address it and find a solution if we don't know why why haven't you been willing to get involved with the finances more or why haven't you been willing to allow him to be involved in the finances more whatever it is why we have done where we have monthly meetings and we'll go through all of our budget and this is what we're going to go through but it's been a long time but but the second we get you know through this budget and halfway through the month all of a sudden um something shiny will pop up and budget went out the window and it's not my my shiny that normally pops up i'm not innocent and by no means but she is the does his opinion of your shiny not matter yeah it does but the shiny just ends up being purchased and the budget's out the window so he normally lets me buy whatever i want to buy is this true yeah why don't you put your foot down i mean there needs to be accountability in this yeah on both sides i i think i'm just as guilty in all this because I'm allowing it to happen.

23:15You guys just enable each other. Yeah. Before we had... We were making good money and kind of did whatever we wanted. Since kids, things tightened up. We had way more debt before we had kids. We paid off some of the debt, kind of. That's been years ago. It's been years ago. We've grown. We've gained more debt other sides. But our total was a lot less before kids. I want to know what happens at the end of the month Once we've done the, okay, here's the beginning of the month. We sat down to figure out our budget. Okay, halfway through something shiny came up. We purchased it. What happens at the end of the month for the next meeting?

23:54She'll normally have to pick up work, and I'll have to stay home to help watch kids while she goes to work. Wait, so the conversation just becomes how do we go and pay for the shiny? It doesn't become what was the shiny? Was it worth it? and how do we prevent it from happening the next month? We have that conversation all the time. Because that's the conversation that matters more. Why isn't that what you told me? There's a lot of it speaking on deaf ears sometimes. It's like I will tell her, why do you need that? Why do we do this? What was the last shiny besides this vacation you guys just went on?

24:29What was the last shiny? I want to hear how this happened. I mean, I got Botox. Where? At the spa. It's like$600 or$800. Where's the Botox? What do you mean where? Where is it in your body? Oh, my forehead. Okay, so you're avoiding the permanent lines? Yes. Okay. How much was the shiny Botox? It was 600. Who cares if you get lines? Dude's already starting to get gray. Oh, no, it's not kind of. It's gray. It is a lot of gray. It's infected. Okay. But it's not just like Botox. You'll do... I think it's time to embrace. The dude's already growing old. you don't want to look like you're 20 when he's just like it's not just botox we'll do our we don't do our own no he asked you no stop he asked you what was your most expensive purchase no no no okay so the botox was the last shiny okay that i had okay i'm just i want to whoa i just want to figure out the situation around that because i just want to learn kind of what your life looked like around that um one that terrifies me i'm afraid um better than going bald yep it's staying in so i'm fine with it that's true that's fair uh okay so both times happen okay cool how much did it cost it was 600 did you just do it or did we talk about it before no conversation before okay then what happened afterwards because you probably told him at some point that it happened yeah how'd that conversation go she'll tell me hey i'm going to get this done with no monetary uh you know signal to it and just go do it and normally i'm like okay fine it's normally like when i'm busy or i've got a lot going on i just go okay cool and then after the fact when i look at our bank account i go well what what the hell happened i didn't know it was this much why do we do that well nope and i can't take it back they can't go in there and take you He'll pull it out and give the money back.

26:34So what are you going to do? A lot of it is after the fact, I will give her, I will not lecture, but we'll talk about why we did this and what went wrong. Well, you can normally just give me a slap on the wrist, and then we just go about our spending. Who typed that? Who typed that? Jake, if you're going to be a bully, say it into a mic like a man. I don't have a microphone. Why don't you come say this to them? bring it on come come say it come say it jake listen this is this is what i'm dealing with over here guys this is what i'm dealing with and i i am sorry garrett garrett i'm sorry but i said that you aged 15 years when you took the hat off oh yes what was the other thing i said the funny part oh uh that was actually lindsey she said hat fish you hat fish sus oh yeah hey i can leave it off and look Look like an old man.

27:30I hate his long hair. She always tries to get me to color my hair and stuff. Let it be. Oh, you're trying to keep them young. That's right. I try to get him to do Botox, too. He won't do it. No, I will not ever. I'm not. It's a waste of money. I'd be willing to do it in the armpits to prevent because I sweat a lot. Same. But again, that's. I don't know. I'd rather spend the money on something else than. I'm just so after that like I'm just did we decide that okay maybe this is not happening again then sometimes that's said and then there will be a couple of month period in between and all of a sudden we pick back up doing things like we'll do cleanses or we need to you know redecorate this area of the house or that area of the house.

28:28We need to buy this or that. So you guys are not able to have adequate conversations that are able to hold ground and then keep each other accountable throughout. That is, I think, what is very clear here. It's like we can have a conversation and we can be like, oh, okay, that sucks. It won't happen again. But it always happens again. But you also fail to hold her accountable and you fail to hold yourself accountable because swiping is more important. What if we didn't have this strong income over here? What would you be doing? I guess I'd be working more. I would work more, but I have to be home with the kids.

29:03Yeah. We have no family in Houston, so it's just us. But even then, what we bring in shouldn't have to need family in Houston for you to work. You don't have to work at all from what I bring in. No, okay, so he got two times a month. Wait, he what? He golfs. He's in a golf league. Oh, okay. So like on Sundays. So it messes up with me trying to work. So I have to like not work because of his golf because we don't have anybody to watch the kids. Or if I can't find anybody. Is that true? We have no one to watch the kids? We'll get a babysitter. It's hard on Sundays to find somebody. We struggle finding people to watch the kids.

29:42Or I'm just like don't want to spend the extra money to have somebody watch them. So I'm just like, well, I'll just stay home and not go to work. because he has golf. Whether you're working or not, with my income, we don't need, you don't have to work at all. Yeah, but I like to spend, so we do need. But that's the part we need to work on is the spending. That's, yes, I agree. I mean, he just, what he just said was 100 % right. But you know this, again, you're in the circles. I'm so confused. Yeah, I do know it. I don't know why I don't apply it. It's because you prefer the spending over the over the i have a problem i know i have a problem but it's but your lack of addressing it clearly you enjoy the problem more than any benefit that'll come from applying any solution i mean you do you prefer the instant gratification more than any okay i'm gonna keep going through this guys for a few weeks only my new debt mastery class is 35 off plus the first 500 that sign up we'll get access to a private live stream where I break down how I got out of every single cent of bad debt and how I now use good debt to my advantage.

30:57We still have a few spots available, so get in now. I'll answer all of your questions there as well. In this debt program, we don't just focus on paying down debt. I'll show you how to use debt to reach your life's goals, how to negotiate your debt, and frankly, negotiate any type of payment with anyone. We'll also go over how to curb those psychological and overspending issues that keep you from living your dream life. This includes 10 tools that you can use to quicken your debt journey. Check it out guys. Limited time only. Link in the description below. In here was Chick-fil-A in Nordstrom and Chick-fil-A in Easy Lane.

31:31Target, who knows? You know, it could be anything. Sonic driving, going to the gas station, getting some bullsh**. Chick-fil-A, Tiff's Treats, Tiff Treats, not even good anymore uh chick chick-fil-a shipley's donuts some museum chick-fil-a went inside got some bs from a gas station magnolia and a lot of financed flights miami that was for our trip so yeah why can't you get a hotel in the oh where you want a second house west palm is it gonna be a beach house not on the beach then it doesn't matter get a hotel whenever you want to go then right right or else why why do you need a home there oh we don't we don't need a home there i don't want to have another home over there but she's adamant on having another home have you ever won any of these purchase conversations i'm probably gonna kick him out of the house if he wins a purchase conversation that's false that is so false like no like we have these conversations and i will make a great point and i will i could tell you that this this desk is brown and there'll be a but no it's it's really green or black what i'm trying to figure out is just i mean there's just no consequences you just you win and that's it i mean the consequences are now you guys have to pay off your debt and you know goals for the kids and everything are put off actually I hope my breath doesn't stink I'm on I'm taking Paxlovid right now so I can get over this quicker and it's making my tongue like it automatically makes your tongue taste like absolute death but I don't know if that translates or if it's mental like I don't know if it's a real taste or if it's fake I can't smell anything over here Well, that's good because it tastes like a battery has opened on my mouth, and it's really disgusting.

33:31And you can't get rid of it. It's so bad. Okay. We kind of talked about her financial – like my financial goal for our future, setting up for our kids and putting – being able to get them through college where we kind of – her goal is to get a house in Florida. what why it's west pop beach but why it's florida hotel and it is florida i mean my dad says that like the sand just eats the houses away so that's just stupid but yeah i just want a house in florida but why i i don't know you don't have an answer to anything i just have a goal so that's my goal like why is that the goal versus like paying for kids college i think it's because she gets all these ideas and from from watching all this content and stuff and going well we're budgeting if we pay all this off we'll you're not paying anything but we're not and there's where she gets these ideas like oh so now my goal can instead of having short goals to get to the big one she goes straight to the big one and forgets that oh we didn't meet this short goal we didn't meet this next one who else you'll watch i want to make sure you're not watching like some finance person that's just like go buy my house is like okay i know you watch dave you watch george you watch this what else do you watch i watch the iced coffee house yeah house yeah they i mean they're also not in support of what you're doing so i'm confused like who else there has to be someone you're watching it's like corrupting no no you're watching everyone that does the most do it right and then we do this.

35:14No, I've gone to the studio and I felt like so, like when I went to like Nashville and watched the show live. Oh, okay, Dave's yeah. Yeah, I left and I felt just like disgusted with Yeah. Well, we, makes two of us. Wait, is this conversation even going to be helpful? I mean you went there. I don't, like, that was like four years ago and this is where we are four years later so yeah obviously we can't pay off our debt just like i i i don't know if i have the energy for this uh to like i want to figure your out but it's like at the same time i am running at 50 i'll be honest um and i'm just like you obviously don't give a one does what do we do when 50 of the relationship cares are you saying that he cares from this conversation it's at least you haven't at least suggested that he doesn't he just is not like like you said he doesn't hold me accountable he's he's not doing yeah i'm not sitting there looking at all of our budget i'm just making sure that we are trying to reach some goals what can he do to hold you accountable though so he'll have the conversation right and we're not gonna have him take a baseball bat and slam your head in if you don't do it.

36:36So, like, what can he do? He's not going to kick you out. Okay. But obviously, you know. I mean, like, every day. You spend so much money on Botox. Why ruin it with a bat? I have to refix it. Freaking. We would have to. What can he do that would actually, I mean, take cards away from you like you're a child? Like, what can we do for you? Like, at a certain point, you do have to be a 30, what, four-year-old adult. it's that or do we have to treat you like an infant and not have the ability to spend $214 in a single month on Chick-fil-a yeah i do like my Chick-fil-a apparently well my kids more than your yeah yeah well i would like them they'll like you whatever whatever you put in front of them like it doesn't have to be Chick-fil-a okay i'm not the only one that spins though he spins on And all the statements that you get that are gas station, it's all him.

37:34I do not spend anything at gas stations. What are you getting at the gas station? I'm like tobacco, dip. Snacks. Snacks. It's always snacks. Why haven't you upgraded to the zen life? Not that I support that either, but at least it's not cancer causing, as far as we know. As far as we know. Okay, but we know the one you have is cancer causing. like those you want to be around for the kid yeah okay maybe we don't do cancer intentionally that i understand and you're good with that if it was just for the cancer part but if it's the financial side of it uh-huh it is expensive it is expensive expensive habit even getting more expensive oh and i i know it's getting more expensive and i know you want to lock in for the oil but i i've cut back quite a bit on what does that look like going from can and a half to two cans a day to one or one every three three days now okay three to four days instead of one a day how long has this habit been since i was probably 14 oh man yeah man working in oil with his dip in his truck living in houston dexish yeah you're living living up that stereotype um where are you on the desire to quit this don't really have any desire to why he's addicted to it uh-huh but a lot of people that are addicted do have a desire to quit even if they're not quitting why don't you have a desire i mean what about your kids like they'll see you doing this they're very impressionable like they'll they'll want to you started at 14 what if your kids start at 14 it's not just expensive but it's leading to higher i mean you're you could lose a part of your your one you could get the zen thing where you're like for the rest of your life you know yeah like looking dumb and then or you could just you know have to have gum surgery at some point because the dip and it's disgusting let's be honest yeah nasty i looks gross smells gross they're not on our own baseball field and even before no one watches that sport anyway now so i'd be willing to to try to get stop i've tried before in the past but this is the dude you gotta make out with kids but i was always like you need to stop before we have kids and so he's like okay and then we had like kissing a dude that has tobacco all up in there?

40:07I mean, it's the pouches, so it's a little different than just like the... He has chew today. Yeah. I mean, his breath definitely stinks from it. I'm not going to lie. It depends on which day. Yeah, it's bad. And I need to quit. You're right. Will you? I will try. Easier said than done, I know. I've tried. I've done even going offshore where I'm out there for two weeks and know that I'm going to run out, I intentionally stop. So I'll try to quit. And the second I get back home, I start it up. It's a tough thing to stop. But I'm... I will try to cut that little part of our budget spending out. It's okay.

40:55We all get together and we boof alcohol after each show to celebrate. So we're not that much better. I don't drink that much. So yeah, we don't, I'm just spending it on tobacco. Yeah. Do I taste gross? Okay. And then what is this? So we have a 6 ,000 hour loan here at the 25.07 % interest rate. Holy. This is this, this is 6 ,000. Is this one? Is this a special secret loan? Yes. So a lot of your loans are kind of 0 % interest, but the secret loan she's taken out at 25.07 % interest, right? Not beating this in the market. Yeah. But if you think about the card that I put the money on the interest rate, we would get, It's like a charge of like a hundred.