He Needs To Divorce Her | Financial Audit

21:35And that's the core of his. No, I understand why that would be annoying. Because that's also, that's an unproductive side of the entrepreneur. It is. I mean, you're a classic move on to the next thing. Try to build something. I am too. Like, I'm able to resonate. But you have to learn this flaw. We're the same age. I've learned this flaw about me. I don't allow myself to do as many new things, you know? I really don't. That's where I'm trying to be at this year. But I still will pick up real estate if it's easy and it's like right there. Why not? I've got to figure out how to make money on this.

22:04I really want to. Like, I have the connections. Real estate is not easy. I've been in real estate. Real estate is not easy. and real estate is certainly not resource lacking. I'm geared up to go ahead and flip a house. I've got the resources and the connections. Do you have the resources? You've lost your house. How do we have the resources? And we're underwater on it, so it's not. Yeah. Well, that and you're three months negative in your business. Where's the resources for real estate? It's very resource intensive, real estate. Yeah, but you close, you get a busy season in the business and then you're doing fine.

22:35But shouldn't that be set aside for the slow season to make sure we can pay our bills and not be underwater on mortgage? probably, but you also got to be able to make money when you can make the money. No, I agree, but that doesn't mean you immediately throw it into crossing our fingers investments. He loves a good good debt, an accumulation of good debt when we can't even afford good debt. Well, good debt is good, but good debt can quickly become bad debt when we can't afford it. That is not good debt anymore. Right, but we're not understanding that. We are? You. I think I am. I think I'm doing just fine with it.

23:08Right, which is why we buy sandrails and razors and everything when we're underwater. I make money on all that. Better than buying stuff that you eat and shit out. I mean, you don't get any value out of Starbucks. The kids need food. You don't get any value out of like... Oh, you're talking bullshit spending. Yeah, bullshit spending. If I buy a sandrail and I can sell it for more just because it's tax season and it's busy... That's why, again, you guys are not aligned. You have different values of where you want your money to go. Mine are more aligned with you, but that does not mean she's wrong.

23:38I'm able to see this from the outside perspective like she wants to prioritize those life things might not make sense when we're in debt but same with the sand rail or whatever might not make sense when we're in debt as well like so but then he gets these investments and then it's like our kids suffer from it because you freaking sell their favorite thing ever what? this episode is brought to you by Indeed stop waiting around for the perfect candidate instead use Indeed sponsored jobs to find the right people with the right skills fast it's a simple way to make sure your listing is the first candidate C.

24:08According to Indeed data, sponsored jobs have four times more applicants than non-sponsored jobs. So go build your dream team today with Indeed. Get a$75 sponsored job credit at Indeed.com slash podcast. Terms and conditions apply. Razor. The what? The Razor. Razor? Yeah, he just bought a Razor like two months. No, like a side-by-side. Yeah. He bought a side-by-side like two months ago. I don't know what any of these words are. It's like a four-wheeler. A Polaris Razor is like a four-wheeler? Oh, for fuck's sake. Yeah. Didn't we just have one of those? I feel like I just heard that on Monday. You suck with money, so you download a budgeting app.

24:43You start with the classic one, YNAB, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar, that's Dave Ramsey, the personal finance guy, right? Well, they're gonna force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they wanna sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data. That's why I like DollarWise.

25:16Built by these people just like you, for people just like you. No private equity, no gimmicks, just the best budgeting app there is. Download it now, start the free trial, DollarWise.com, link in the description below. They're fun. Okay. It's fun. Great. That one was a heartbreaker. But your kids wanted it. Well, you did it to get what you wanted, it sounds like she's saying. Yeah. Heartbreaker. You chose the heartbreak. You were the one that did the heartbreak. It wasn't a good deal. I had to make payroll. And these guys, like the projects were not going well at all. And it was the last month of having in-house employees.

25:49So, of course, I sold it to just cover the end of the year cost. Or did you transition them to contracting? I told them. I'm not risking your transition. I told them in December, hey, you guys don't have a job anymore. How many people did you fire? It was only two. It was the last two. Last two? How many people did you fire before? Oh, this year, like 14. Last year. You fired 14 people? Yeah, it's been a rough year. Dude, I've laid off a couple people, mostly due to performance, but I had two where the position just didn't make any sense and resources needed to be properly allocated to other places as they're scaling the business.

26:18But I've never just fired an entire company. That's ruthless. That's evil. Actually, I would say that's evil. I would say it's a little gross. Those people rely on you for their income. You employed 17 people and you just fired them all? What the f***? We kept some people around long term, but the thing is. You just fired your last two. What do you mean long term? What do you think about long term? Yeah, the difference is in my industry, there's such a low barrier to entry that they're like crackheads. They're doing drugs. You chose to hire who you chose to hire. You were the one that signed the contract at the end, asshole.

26:45He doesn't have an entrepreneurial personality. The problem is I try to help people. And if I see them like trying, it's okay. But then they get money and they relapse and it's like, ugh. Well, okay. Yeah, that sucks. I mean, I wouldn't be risking my bet on those people. But either way, well, you did. So don't agree with it. You're the one that did it. But either way, listen, I understand more than most people. When most people see someone getting fired, it's like they immediately take the sympathy of the person that's being fired. Listen, I'm on both ends. I'm someone that's, you know, like I've seen a layoff and I've also been the person that's responsible for a layoff.

27:18Like I get it. I can see the other angles of it in a more nuanced position that most people can't. but the fact is it's when you fire someone including when I have had to fire people it's the last option there is no more they've given every training opportunity they've been given every chance or if their skills weren't suited for the position and their resources could be better allocated somewhere else you try to see if there's a place for them to be fit where the resources can be allocated and it's like that person just doesn't fit anymore and it's really sad but you just killed 17 people no no I try that 17 people that rely on you they rely on you I took a CSR put them in a sales position that didn't work out this is one guy you killed 17 people last year in one year they don't show up you employed 17 okay but you chose to hire them that was your responsibility when I hire them how do I know they're not gonna show up right hiring process is vetting my gosh dude yeah you vet I vet plenty plenty you just had to fire all 17 people that worked for you Well, we were a hybrid model, so I had contractors too.

28:26So it's not like I needed. Then we switch from, it's like, but you keep going back and forth between subcontractors, between your payment methods, like everything. You're just going back and forth and everyone's confused. We tried in-house performance pay. Like who wants to work with a guy who can't even figure out if we're doing subcontractors or if we're doing a mix of subcontractors or if we're doing performance pay or if we're doing salary pay. Like nobody knows what to expect. Like I wouldn't want to work there either. Everyone gets paid a decent wage. They get paid on time and they're treated well.

28:52and then they all get fired. So what the f***? But it's confusing along the entire way. The thing is, at least I'm not having people quit because they have a bad work environment. I have to do the firing because they don't want to be there. They don't have the choice to quit. You fired them all. Yeah, well, they wouldn't quit because they get good pay and they get good hours. What is this? They get paid, but it's also sometimes late. Like multiple times, it's like, oh, sorry. You said you make so much money. How are you having late payroll? Also, 17 employees bringing in$50 ,000, and that seems crazy.

29:21Not at one time, right? So, yeah. What was your max, like, salaried employees? Or hourly as well. At one time? I don't know. Employees, employees, W2. No, no, no. So, like, the whole team overall was, like, 25. Sure, but what was, like, the max you've had at one time? Is that counting subcontractors? No, no, no, it's not. So, like, W2s? I'm confused by the whole thing. Six is still pretty chunky for$50 ,000. What are they making? Um, entry is like 19 and then like top was like 30, 32. But at one point last year, they were doing like 40, 45. An hour? Yeah, they had a performance pay system. They were making good money.

30:04Sometimes they had a performance pay system. But if their performance pay was hitting the top end of performance, why were they fired? Because they wasn't. Because they stopped hitting performance. Because the morale. The first performance pay system was too chunky. I'm confused on this morale. How can you even dictate? How can you even tell me morale was down? How do we even know that? Because when you have these two guys and they have no idea what to do because he doesn't have any like, oh, okay, this is what we're doing today in the morning or doesn't show up to the job. What are you talking about?

30:30We're all scheduled. We're scheduled out for months. Are there no project leads on those jobs when you're not there? There is a project lead. Then why are they confused? It always gets messed up. It always gets messed up. There was always mess ups. That was the issue we were having. Well, then your software went out and there was a ton of issues there. Broken calendar integration. It's a mess. Oh, my gosh. That's the problem that we were having last year. Yeah, and so I would also not want to, like, They know where to go, what to do, when they're getting paid, what they're getting paid, what the job is.

30:59Like, they've got everything laid out. They just got to show up and do the job. And most of the time, they don't even show up. This is a mess, guys. This is a mess. How do you guys even communicate, Amani? What does it even look like? Not great. Not, yeah. Just, I need to know. What happens in this household? Please, someone just start telling me. Just even baseline. She tells me what she needs, and then I'll just make it work. Kind of. How if we're losing money for the last three months, though? This doesn't make any sense. Yeah, I'm trying to, like, freaking buy groceries for our kids, and we can't even do that.

31:27Can't even buy groceries? No, I have to freaking borrow from family to get any sort of money to buy groceries. Within these last two months, I have one of those months, and you spent$600 more than came in. Yeah. And apparently, do I have the business accounts as well? No. Because they're all integrated, right? I thought you said? No, no, no. She likes to think that I do a lot of cross-spending. I paid payroll one time out of our personal account. I just gave our guys a bonus. Well, that's crazy. That's not only that. That's not what the accountant's for. I told him, like, hey, I'm running this out of a personal account.

31:54Materials, your parents have wanted to be money. I'm confused. If we're struggling for groceries, why do we spend$862.06 going out to eat, and why do we spend$614.02 on miscellaneous bullshit? Could be video games, could be a card game, I don't know. But it's miscellaneous bullshit, not going out to eat. But bullshit together is minimum, minimum, minimum, minimum. What,$1 ,300,$1 ,300? It's probably upwards of what I'm seeing across the categories if we're able to break things down a little bit more, probably close to about$2 ,000. if we're complaining about not being able to put grocery food on the table, which he spent$900 on groceries, which doesn't seem like a big struggle to me to get food on the table if we're spending$900.

32:27But either way, if that's what we're complaining about, why the f*** are we spending$1 ,300 a month on bullshit? What bullshit? Well, I don't know. Well, going out to eat, I said, was like, what was it? $862. So we know that for a fact. So what the f***? So what's our communication again? Our communication is I need money to feed the kids and he can barely give that to me and we almost suffer? the f*** you talking about? That's a lie. So tell me what actually happens in the communication around the money and where it goes and when it comes in and everything in this house. There's no communication because nobody knows what's going in and out.

33:00Does anyone attempt? I've attempted. And what does that look like? Tell me. I've tried to go through all of our business accounts like print out our statements. You have not gone through our business finances. No, not our business finances. Hell no. I'm not even going to touch that. There's no way. Then how can you say they're integrated? Because they're like when I have to pay as employees, when I have Like when we have car bills coming out of our personal finances, when we have business loans that go into our personal accounts and then get taken out, like it just, like there's too much blurred lines.

33:28Yes, huh? No, we have, what? Because your dad will send you like 250 there for materials and 250 there for materials. Yeah, so this month when I couldn't afford to buy crap, it's like, it was just a float. No. Yes. Yeah. You don't even know what's going on with the finances. We usually have totally had enough to float us. Like on the business side. The personal side is just kind of feast or famine. We don't when I have to freaking reach out to family to have any sort of money. Really? You're reaching out to family? Yeah. I have no way to. Who are you reaching out to? Well, like my mom. Oh, my gosh.

34:01Why? Why is she having to reach out to mother? I told you these last couple months have been brutal. We haven't made money. But you said you were floating. Usually you have enough money to float. He couldn't even afford Christmas. Like we couldn't even do Christmas. Well, that's okay. That's not an emergency. I don't give a f***. No, it's not. It is in your eyes. Okay, fine. I understand wanting it, but food on the table, utilities, roof overhead comes first. Well, my kids have to experience like the lights going out multiple times during the year. And they're asking me. Yeah. You had utilities cut.

34:28Yes. Every single time. You allowed utilities to be cut? It's paid within 30 minutes because we have one of those charge accounts. We have to charge it up. It's not paid within 30 minutes. It totally is. You ask me for money. I'm like, oh crap, and I'll send you money. No. Or I have to go ask somebody else for money. You've never asked someone else for money for the power bill. Yes, I have. No. We just go, oh crap, the power ran out and then we pay it. The past three times that the power has gone out, I've paid it. I've paid it the past three times. From the money that you're hiding from me that I give you.

34:55No, not that I'm hiding, that I'm getting from other people. You definitely just stash it away. Yeah, I do because so I can pay the f*** energy bill. Dude, allowing the electricity to be shut off on your kids is unacceptable. Yeah. As a man, as a provider, as a business owner, gross. At that point, no, that's when you're cutting everything to the f*** bone. And also, if electricity is being cut, why are we spending$860 going out to eat? What the f***? How's that even an option? Because, I mean, my kids like Chick-fil-A and they have dietary issues. Do they like electricity? They do. Okay, what the f***?

35:35Priorities. I pay it. Priorities, girl. I know, but I think, like, they also need things to do and there's not a lot to do in where we live. and so we go to Chick-fil-A to play. Everybody else gets out with the kids just fine. It's hot as hell in Arizona. Sometimes we have to go inside. So I go to the lake. Not when the air conditioning doesn't work. Six o 'clock in the morning is perfectly cool. That's when we go on all our hikes and stuff. No. Don't even say we go on all our hikes. That doesn't even happen. It totally does. I take them out all the time. And then I get a sweet treat on the way at Starbucks.

36:11Then you can't bitch and moan about the electricity being paid off or cut off if you're going and getting a sweet treat. Fuck you. But if I pay it. If I pay it. But you were complaining. You were complaining about it. Now you're saying if I pay it? Because he's a provider. You're complaining about it towards him. He's a provider. Is he or not? Because you're literally in the conversation with Colton wanting him to cut back from his seven hours a day. And now you bitch and moan that he's the provider and not providing? Because the seven hours isn't consistent. Pick your struggle, girl. Is he allowed to work or not?

36:40Well, he is, but he has to. No, apparently not because you were giving him the glare of death when he was working to make sure a job was getting done in the green room. Because I'm freaking tired of work calls. Okay, so is he providing or not? No, he's not because we can't even freaking pay any bills. So are you going to let him try to or not? Well, I have let him. I've tried. Not in the green room, dagger of death. Well, what am I supposed to do? We're freaking at a thing and he has a work call. Don't shame him for trying to make sure a job's being done so he can be paid. But how is he supposed to be present with anybody when he's just constantly on his phone?

37:12You're right. And that's, I'm sorry, the entrepreneurial lifestyle. And you both decided to have kids in it. Yeah, it's brutal. What the f*** is wrong with you guys? Yeah. How old's your oldest? He, er, seven. Were you doing entrepreneurial at seven? No, he was working for his dad. Yeah. Okay, so choosing to do this while you have kids is more on you than it is her. She didn't sign up for that. Absolutely, yeah. So what the f*** is wrong with you? I haven't figured my s*** out. No s***. seven years and you haven't figured it out? That's a child. That's why we're here. I can't, dude. No, come on.

37:44Listen to this conversation. What are we doing? What are we doing? Listen to this conversation. This is beyond me. We can all admit that. What the f*** are we doing? I gotta work harder is what I have to do. Work harder? I mean, I would agree he needs to, if he's an entrepreneur, he's probably at least, give him nine hours a day. What the f*** are we doing? Bitching and money for that. I think he doesn't. But he also needs to be able to go to jobs. I'm sorry. Absolutely not. If you're the one choosing to stay home, that is your choice. and if he is the one choosing to work and have the business, that is his choice.

38:09He needs to be able to go and do the jobs. The fact is, if you want him to be the stay-at-home dad and you go work, then that's a different thing. Then you have to do that. The fact is, you chose to do the, I'm going to keep birthing children, including one that just happened, and I'm going to stay at home and he needs to be the provider. That is what you have given us in this conversation. Then he needs to be able to go to job sites in the morning if this is his business. He needs to be able to. Or put your kids in daycare and go work for it. I've offered to go work and he doesn't want me to.

38:35But it's like, what? You don't want her to. Do you want to work? Yeah, I do. Okay, then go f***ing. What is this? Stop being a Mormon freak. Let her work if she wants to work. She's a woman. This is not a rand. I totally think that. He wants me to work for him. He wants me to work in his business. Never mind. Take it back. Office stuff would be nice, but I gave up on that years ago. Don't do that. Not a good mix. Yeah. It's like, we should say, like, keep our marriage safe from that. Literally, a week ago, I said, let me go do, like, a serving job at night or whatever. And he's like, no, well, you can just work for me and do my ad stuff and whatever.

39:06And I don't want to. Why would you go out and like work for 16 bucks an hour when like we've got this big nugget over that like actually produces. Because at least that's something and I don't even have to put the kids in daycare if I'm doing a nighttime serving job. You watch them and then we're good. Also, do not integrate marriage into the – even if she would make more money there, don't integrate marriage. It's so bad. It's so bad. I mean, I agree. I wouldn't want to see my lady go in and work in a serving job. That's not the dream. I think you can do better than that. I'll get you a course career certification so you can up your skills, up your resume.

39:35A lot of people have converted that into six-figure jobs in the audience. So take that for free. But also, this is not a rant. She's allowed to go outside. Yeah. Let her work if she wants to. But if it takes away from my ability to produce, it's like, should she get daycare? Yes. If the kids are being dropped off at daycare every day, she'll be at the job site. That shouldn't be an issue anymore. Period. I don't think that makes sense cost-wise. Well, maybe not. It'll probably be break-even with her job. Well, the thing is, too, like, we would get free child care. So that's like. Wait, why? Through the government program, we would.

40:11No, absolutely not. Because business makes$50 ,000 a month. Why are you getting government benefits? Because we don't know where to freaking put it. We don't know how much is coming in. Well, that doesn't matter. Why should we subsidize you for not being able to manage your books? That's not fair. I don't think we should. Welcome to government, ladies and gentlemen. I don't think we should, but when we can't even pay for a doctor's appointment. No, so it's either we pay for the child care to cover the cost of your job and you kind of work and then cover childcare or I just work a little bit more or the hours that I should.

40:36Yeah, but you can't because she needs you to be home for the kids. So that's why if we put the kids in a daycare and she goes to work to cover that, you're able to at least go focus your energy on producing this income, this extra income to take care of our mess so maybe she can come back home and we don't worry about the finances. I don't think the cost of what jobs you would qualify for would cover daycare. Well, again, we'll course careers her up and hopefully she can get into something. I'm fine to get like I'm fine to grow my stuff yeah like I'm cool to do real estate license stuff but I just like I'd like to get out and do something what the fuck is wrong with you guys?

41:10women it's either real estate license or only come on stop real estate license you're not going to make a cent for a year minimum let's just say that and even if you do it's going to be barely and 50 % of realtors in the last year made zero dollars I send out four to six referrals a year or last year four to six referrals about that the year before and I don't get any reciprocal work from these agents so it's like why not just send that over to her if she's a licensed agent that would be like a year's income for an average person okay maybe she sells but listen again 50 % made zero dollars last year yeah yeah it's risk I would rather get like a job job job job with benefits job job yeah because that will offset whatever business struggles there might be because you can get your family on the bennies yeah that's nice and dental healthcare Do we want that stuff?

41:57Anything else? Yeah. I don't think, yeah, unless we do a career. Here's the thing. She wants to work. Yeah. So just let her work, dude. Okay. What are you doing? I can't. It's just like that handoff period. How are we going to cover childcare and pay our bills? That'd be like two weeks before her first paycheck. Yeah, there's going to be a weird little moment. Bi-weekly. It's weird to have weird, like normalized income. Right. Yeah. So I'm used to living feast or famine. That's just kind of been, even growing up, that's what we had. So pull me right in with it. Well, you kind of signed up for it relatively.

42:29You chose to keep having kids once you still saw this happening. Yeah, the first kid, not your fault. He pivoted, but you decided to keep taking loads on your own. I mean, it wasn't intentional with the first two. Okay, well, the last two. The last two. It totally was. The last two, we were deeper in this than ever. I didn't carry four children. Yeah, yeah. Surrogate? No, my ex. He's married previously. Which one's that? The oldest? Mm-hmm. Okay. What's the oldest? You two. Four. Okay. Was he going entrepreneurial five? Yeah. Okay, then this is on you. Come on. You chose to have a kid with this.

43:11You chose to have a kid with this. What do you mean? You guys clearly, lifestyle and priorities and what you want in this world and what you value are not aligned. Well, when someone comes to you and says, oh, I have this great business idea, whatever, and I'm going to do something. Shut the f*** up because most don't. I was 19. Like, how would I have known? You were not 19 when we were our first kid. Yes, I was. That math doesn't. It's six? What? The kid is six? I thought you said. He's five. Okay, so you were 20. But even still, like, I get it. Oh, my brain was enveloped. Are we pulling that game?

43:44Come on. I mean, how was I supposed to know? I really didn't. I got married out of my dad's house. I have no previous. Okay, yet you also had another two. Yeah, but I didn't. I still didn't, like, really know until maybe this past year. So the classic, like, woman of 2026 infantilization. No. Why are we doing that? Facebook definitely gets the best of you sometimes. Facebook boomer? The boomer TikTok? Not boomer TikTok. What are you doing? Because that's what I swear. The moment that, listen, I'm putting so much blame on him. And he's like, well, yeah, I'm trying to figure that out. He's just, like, accepting that he's pretty much ****.

44:20I think we've all learned that he's ****. You, the moment I put it on you, you just infantilize yourself. That's what every single woman does right now. What is this part of our culture? I'm so confused. I'm just a girl. Exactly. There it is. This is broken. This is broken. Why are you like this? Why are you people like this? Because I don't know. I just want what I want. You can't accept any accountability. It just becomes infantilized. Spring starts at the Home Depot, and we are bringing the heat to your backyard this season. Fire up the flavor with our wide variety of grills for under$300. Like the next grill four burner gas grill that's perfect for hosting your spring cookout.

44:56Then set the scene and turn your outdoor space into the go-to spot the patio sets for every budget. Bring it this season with grills that deliver flavor and patios that set the vibe from the Home Depot. Start your spring with low prices guaranteed at the Home Depot. Exclusions apply. See homedepot.com slash price match for details. I just couldn't. I was too young. I was 20 and then I was 22 and I'm still 25. and I don't know what's happening. I was. What the f*** is wrong with you? We all made choices. I made the choices I made at 18. Now, I may have made choices because I was... But not because I was 18.

45:29So he said in the phone call with Colton that you guys, he doesn't bring up money to you because it just ruins your mood. So it feels like you can't have a conversation. Sets her off. Sets her off? What happens? She just goes in like panic mode. So how can we have a conversation then ever about finances? And he's like, oh, today sucked. and my employee did this and that and we lost out on however big chunk of money because this job is messed up and now we're underwater. Yeah, you won't let him go to a job on time? Or work more than seven hours a day? Straight up, straight up. The most money we lost on a job last year was$23 ,000.

46:05That's a huge chunk to just throw out. And I can't tell her about any of this stuff because she just melts. It's like a meltdown. You might have to internalize it. I think it's rightfully so. I don't know how to handle that. It's better to have a partner that's able to support you without them personally freaking out every time you have an issue, including when you have issues. You don't want him to freak out. Like, it's better you want to help work through it and have those conversations as a good partner. But I understand this isn't good for you. That one f***ed with you. So you need to learn.

46:33You've got to, unfortunately, internalize that and then probably seek a therapist. That's the reality. He doesn't believe in therapy, so good luck with that one. We've already discovered your... So here we go. I haven't met a therapist that actually helped me, so maybe it's just a volume issue. This business sounds complicated. I wish I had the books here so I could look at it. He's not helping. He doesn't even know what his business finances are, so there's obviously nothing. I know. That's why we have a finance guy. Oh, wait. Is it not a business guy? It's a household finance guy? No, no. It's a business finance guy.

47:01Oh, isn't that what we want then if we don't know what our finances are? Yeah, projections. We have a finance guy here. Yeah, it helps. Well, I'm saying he doesn't even know what his business finances look like, so obviously But isn't that what the finance guy is for? That's kind of f***ing stupid. I'll be honest. but what's not is actually getting a checking account that gives you free money free money we like free money you can get up to 350 dollars in bonus cash right now when you sign up for the checking account that i use chime also it makes your savings grow at a 3.5 apy interest rate guys you can watch financial audit and get free money at the same time who would have thought that's incredible check it out link in the description below sign up for chime get that 350 dollars right now in your checking account.

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48:53And if it's not a fit, cancel any time. Yeah, but... Clarity. I don't know. Clarity. Yeah, but then he gave us a projection that, like, majorly messed us up. She doesn't like us paying that much for a financial advisor. And I think it's totally worth it because I need to understand what's going on. Okay, so what's the future here, guys? Guys, if you can't even have a conversation around money, what are we doing without her freaking out? What are we doing? What happens when you bring up money to him? What does the alternative look like? Because we put you in a bad light there, but I assume it doesn't go great on the other end or else we wouldn't be in this.

49:23No, it doesn't. It's basically my fault. So you bring up a financial conversation. What happens? I'll talk to him about what we want. We want to get a house or whatnot, and he's like, okay, yeah, in the next 10 years, we can get a house. Okay, shit. I wanted this to be the opportunity to be on your side for a second, but from everything we just talked about, if you're even considering getting a mortgage right now, that sounds like the most moronic thing I've heard in my life. Why would that even be a topic? Work hard to get to that point. But you don't let him. What? I'm so confused. No, I do let him.

49:54This is supposed to be the I'm on your side portion of this. Because I was expecting he would give you a bad response or something, but saying let's get a house, you need to work harder, but I won't let you work harder, and we definitely shouldn't get a house because that would be a mathematical failure right now. What? Yeah. Excuse me? Because we have... What the f*** are you talking about? We have four kids. So, and by the time 10 years rolls around, they're going to be 14. But if you won't let him work to bring in more money, what are we doing? It's pure chaos. Like, on a daily basis, the amount of stuff that comes in that needs to be handled or paid or whatnot is, like, impossible to keep up on.

50:26Well, I agree. You're probably not a good f***ing manager. She'll just throw stuff at me. You might need a manager. Yeah. And I know you don't want to put out more money, and a manager ain't cheap, but you You might just need a guy because I don't think you're the guy guy. I can pay. I can get jobs done. That's about. Kind of. You took a loss for the last three months. Because he wasn't paying the job. And who knows what this contractor stuff is. You wouldn't let him be. Yes, I would. We just had a baby. I'm like postpartum. I need a little bit of support. We have no like. Well, then we shouldn't be taking jobs during that.

50:58Which he did. So I tried to save up, but we had that mess up. I had no postpartum support. I had that mess up. Like they messed up that job and I had to go in and fix it with my own two hands. Yeah. So I'm just stuck home alone with. Anyways. Well, come on. It's not a perfect world situation. I mean, I will say I want perfect world. He's there with you. But also if he doesn't go fix this, his business might be done. And then you guys have no income, which means no support for the kids. Yeah. Which is just typical though. I feel like. Sorry. Is that a breaking point, dude? Yes. This whole situation.

51:31And this is why, honestly, rewind six years ago. I would tell you guys, okay, don't have kids and maybe don't be together. I would have said, listen, you love each other. That does not change that. You guys have very different values in this part, very different values, expectations, and desires, and you guys are not aligned. I'm not trying to break you guys up. In fact, I want you guys to stay together and we need to navigate this, but it's going to be deep compromises. It is going to be beyond deep compromises. Yeah. We'll get there. We'll get to the stability. That's how this works. That is a cope.

52:05The we'll get there to get out of a negative conversation, that is a cope. That is how people end a conversation without actually accomplishing anything. The we'll get there or I'll do it or it's going to change, that's not an answer. It is not an answer. I mean, there's so much to talk about, but I need to get into these finances or else this episode will never end. So what do we think the household financial score is, guys? One. Five. Five out of ten. Split the diff. What are you? You're giggling. What are you talking about? I'll split the diff. Assets where? The diff between what? We've paid off these credit cards like twice this year.

52:45Okay, and then this year's 26? Yeah. 2026? Last year. Sorry, 25. But why are they back up then? Isn't that actually an indication of even being worse? It's been paid off like five times. Five times? Yeah. Over the course of how long? Why are they back up then? Five years. What's the point of even having the credit cards? Because you guys just f*** it up every time. Five times we f***ed it up. What are we doing? I don't have any credit cards. These are yours. I don't spend on my credit cards. So this is yours. No. I haven't spent on my credit cards since like that F-250 like six years ago. When you opened credit cards for your divorce and all of that stuff.

53:22When was your divorce? 2018. 2018. Well, he opened a credit card for his divorce. He opened all of those. I mean, come on. That's eight years ago. them. It's not the same balance. That Amex right there is almost 100 % from the trip to Greece. 100%. Trip to Greece? In what f***ing world can we afford to go to Greece? You can't pay your business. What are you guys talking about? When did you guys go to Greece? Who are you going to Greece? What the f***? Well, I mean, we just flipped the house. We had a little bit of cash and then I wanted to use that. Savings or get the house that she wants. I wanted to use that for...

53:59You wanted to use it for what you wanted. No, that money was going to go, it went into the next deal. But the Amex was like, What about the Greece? What? You were talking about this when it came to, I asked you how you got the Greece. We paid off the credit card, we went to Greece, racked it back up, and then I kept... When the did you guys go to Greece? 2022. Why? Because I don't know where... She spends almost all of her money on travel. I just wanted to go. It was on my bucket list. It's... Oh, for f***ing sake. Yeah. you're both beyond irresponsible with money just in your completely different ways you can't manage a business to save your life let's be honest and you can't manage your personal spending and desires to save your life let's be honest you're doing alright you've had three months of loss and you can't tell me why eh it could be worse no well you're right four months of loss isn't not being able to tell me why sure that would be worse doesn't mean you're doing good eh or well I have to live my life I want to go travel and see things.

55:00I live my life. You chose to bring four kids to the world. What is this live my life? You just made a commitment. Well, I want them to live their life too. Like I don't want to just be staying at home. No, you have a newborn. What are you talking about? Okay, what are the ages of the kid? We got seven, five, and then what? Three and three months. Okay, listen. Here's the thing. We don't get the I just want to live my life but also bring kids into the world and take on that responsibility. You don't just get to do whatever you want anymore. That's not how this works. You're not that. What the fuck is wrong with?

55:25I want to live my life with them. Sure, but they might, what, a three-year-old in Greece? How was that? A one-year-old at the time. No, we didn't. We didn't take that. Okay, so is it with them? No, it is for you. You do that for you. Yeah, but so I can. I would like to do a family trip twice a year. Like, that's a good goal for me. You don't pay your bills. You lost the house, right? Isn't that what I heard? You lost the house? Well, we're renting. It's not as a rental. Yeah. You rent it. We just converted it to a rental. Yeah, it's losing us every month. What the f*** are we doing on, guys? What the f*** are we doing?

55:56What do you think your debt is, your total debt situation? At least that I have, not business debt, if there is any. I don't know. Including mortgage? That is a debt. So 400. Well, it's including, okay. So like 500 ,000. 400 ,000. 423. That's horrendous. Yeah. 355 being the mortgage, the rest is just horrendous, disgusting, horrible, end-of-the-world debt. Yeah. What is wrong? Okay, guys, so you think it's a one, you think it's a five. If you want your Hammer financial score, take the assessment, see where you stand in the world of money. It is free at CalebHammer.com where you're doing poorly, where you're doing great, what you need to do to improve.

56:34You'll all get that for free at CalebHammer.com. And make sure to download the DollarWise budgeting app. By the time you are seeing this episode, a massive refresh has been done. New features being added every single month. Guys, this is the budgeting app. It's not like you need a budget wine app where it's overly complicated and most people don't make it past the onboarding screen. It's not like the Ramsey app where it forces you to use their financial method. No, because personal finance is personal. Why should it force you to do that? It ain't like Rocket Money that's trying to sell you a mortgage.

57:01It's not like Monarch that's just raising private capital funds from private equity so they can just capture your information. No, this budgeting app is made by people like you for people like you. And now with the new update 5.0, it is the best budgeting app on the market. Check it out. Get your free trial at dollarwise.app. and only through the end of March if you sign up for the annual version, which saves you 50%. I will personally sign my budget-friendly cookbook and mail it directly to you. Check that out, guys. Check it out. All those links are in the description below. I got to get into these numbers.

57:38Are we all on the cards together? How does this work? What's, yeah? I think I'm an authorized user on two of them, I think. Yeah. Amex and Amex. Okay, Amex. So you're both on this. Yeah. What's going on with the Amex? A lot of Amazon, a lot of Chick-fil-A, a lot of Starbucks. You Chick-fil-A, why are you getting Chick-fil-A in Starbucks? If we can't pay our bills and you just cried about not being able to pay the utilities, why is Starbucks an option? Starbucks is more important than utilities for your children. What are you? What is wrong with you? What the fuck are you talking about? Chick-fil-A is, I mean, it sounds like a bougie restaurant, but we've got food allergies.

58:08It doesn't sound like a bougie restaurant. In fact, it sounds like a fast food restaurant, but it is still very good. I don't know why you just said it sounds like bougie. What are you talking about? I mean, you guys can't afford anything. So yeah, everything is bougie for what you can afford. It takes 15 years to pay off. Your oldest will be well out of college. So some of that's from like on my flipping. On a credit card? Yeah. Are you even making money on the flip center if it's accruing at 30 % interest? Ongoing? For 15 years! Yeah, I haven't - What kind of flip master are you? You're not a flip master.

58:41You don't know what you're doing. Like I told you, not a good business owner. What are you talking about flipping on a credit card? What the f*** are you talking about? Buying parts for like the vehicles I'm flipping. Yeah. Oh, it's vehicle flipping. It's not even house flipping. You're vehicle flipping? Why are you vehicle flipping? What are you doing? Why can't you just focus on your shit, dude? Oh, if I find a good deal on a truck or, you know, a toy or something, it's - Yeah, but all the time you're even spending looking at deals. You should be putting into your business and making sure jobs are being done correctly.

59:03So you're not having a new last minute calls. It's a fun activity to do with the boys. I don't care if it's fun. You have to make your business work so you can pay your bills. This makes me money. It's losing 30%. And takes time out of being with your family. I do it with the boys. Most of the time they're out there helping me. Go to work forever and then come back and work on your car. Go to work for six hours. Are the kids actively participating in this car thing? Because if it is, it's good for the kids. They totally help me replace the diff on the razor. Well, until they start crying and you send them in with me to watch dinner.

59:34Or to make dinner, so no. Sometimes they get fed up with like the task or they get bored. Like if I'm doing something technical and they can't help. How much help can they be? They're not helping on that. Loves his toolkit. He helps all the time. That he got for Christmas. So he didn't help previous to that. Yeah, he did. He used my tools. No, he didn't. Oh, yeah. It's not happening. It's happening. They do not help. They don't help. They're inside with me. No, they don't. Every time you go and you say, okay, come on, let's go help dad. and then they come in like five minutes later while I'm making dinner.

1:00:06They come in in five minutes to grab a drink or whatnot. No, they don't. They're always crying and I have to freaking mitigate that too. Well, they're boys. They fight, but they help me. That's not fight with you. No, they fight with each other. No, they don't help. That's not. I beg to differ. They had an absolute blast with the Polaris. They had an absolute blast with the San Rafael. I'll give you the help for five minutes. That's it. They had an absolute blast with the F-250. And the boat and the 5 ,000 cars. Oh, you're in Arizona. Yeah, I mean. There's lakes. In Phoenix. Yeah, lakes are 30, 45 minutes away.

1:00:39You have to go 45 minutes to put your boat in water? Why do you have a boat? It's fun. 45 minutes away. You don't have time. We've already established that. Where are you going to the boat? There's lakes nearby. It's a quick, easy trip. And it's cheap. It just costs gas. The Polaris that they were working on and you said they love. Isn't that the thing you were forced to sell? Yeah, I just saw that. To just pay your employees? Yeah. I did I did but you know the only reason I broke even on that is because the timing if I waited another month or two I would have made a lot of money okay but you had to actually pay your employees maybe you should focus more energy on your business right so if he's working for so long then why is it there's nothing to show for it I don't that's the thing you're not letting him work more than seven hours a day I'm against that and I'm against you not working even not postpartum I don't really get out the door until like nine ten I disagree oh you disagree Wait, okay.

1:01:30No, no, no. I want us to at least agree on what time he leaves the house because that should be something that's objective. I want to say eight. Absolutely not. Like nine or 10, maybe. I get to the job site like 1130 every day, 11. No. How can we not agree on what time you leave the house? Because it's not regular. There's no structure to this. There's never any structure. There's no structure or routine. It's just chaos. Yeah. For seven years. I used to wake up at 6 o 'clock every single morning and just get out the door the first thing I did. First thing I did. When you weren't married and had four kids?

1:02:06No, when we were first married, too. So good, so good, so good. New spring arrivals are at Nordstrom Rack stores now. Get ready to save big with up to 60 % off Rag & Bone, Marc Jacobs, Free People, and more. How did I not know Rack has Adidas? Because there's always something new. Join the Nordic Club to unlock exclusive discounts, shop new arrivals first, and more. Plus, buy online and pick up at your favorite rack store for free. Great brands, great prices. That's why you rack. I would just get out the door. When you were for your dad? When you were an entrepreneur? When I was early on as an entrepreneur, I wasted a lot of time on software and, like, the soft stuff that didn't matter.

1:02:48What are you talking software? Software keeps coming up. You're a painter. What are you doing? This is, like, calendar integration software? What the time are you spending? CRMs, you know. What about it? Not only that, courses. SEO, okay. Courses which will also be on the credit cards, I'm sure. I did not buy that course on the credit card. I bought a sales course. Well, some can be good for what it's worth. Like course careers, that is good. It's a certification. Our Master Your Money program, like thousands of people have used it, and we see results in their personal lives. There are good things.

1:03:14That's not inherently bad. No, but when he doesn't actually do that. There's a lot of slop out there to wade through. Okay, well, you weren't doing that. I haven't done the sales course yet, but I see it as a pain point. Like it's a choke point for me. so I need to know what it looks like to hire a good sales rep. You bought it, what, like two years ago? Well, good. I'll put you guys through our Master Your Money program. You need to do it together and take the quizzes. The budgeting class, the debt class, the real estate class, because you guys are going to need that. You already f***ed that one.

1:03:41And the investing class, because you should need that eventually. Join the community. Be active in the community. Hold each other accountable to everyone out there. It's incredible what people are doing. Master your money. You get it for free. Guys, okay, the Amex. Back to this. For s*** sake, you're over the limit. Why? What the f*** is wrong with you guys? Why are you spending? Ah, late fee. Oh! Ah! Why are we spending money on a late fee that we can't even pay off that is going above the limit on a minimum payment that we can't even put towards it on time? Why? That was the, I mean, we pay it on time.

1:04:14It's just those last three months, you know. We pay it on time until we don't, asshole. Yeah. It's. But now you'll see me at$7 ,000. And you stick to the better. Seriously, usually means it's not always. And the only answer for it being good is it's always taken care of. We paid it down from like, what,$7 ,800 down to$4 ,000? 80%. $4 ,000? $4 ,000? $4 ,000? I don't know what's on there right now. No, buddy. Because I got pissed. You didn't because you racked it all up and now it's back up again, dude. And for Alexa skills? Yeah. What is that? That's for white noise for the kids. Super annoying noise.

1:04:52play a fan. Buy a box fan. We have box fans. Well, they'll have one now because Alexa's freaky. You're paying for this. Yeah. What the f***? I need to cancel it. There's no subscriptions to White Noise. There is too on Amazon. You just don't need to pay for it. Amazon Prime, something there. A return payment fee because it's not that you didn't pay it in time. You didn't have enough money in your checking account. Yeah. That hits a fee. Another$30 added. Push you above the limit. Dumb asses. And an Instacart subscription Go to the grocery store. You have legs. You have feet. You have arms. Go.

1:05:25Okay. I guess. Oh my goodness. How do you think literal mothers have done this since the history of forever? You know, four kids is barely even a thing compared to what people used to do. Like, what are we doing? You're suggesting that no one was it. We have more luxury and ease today than ever before. Autism always existing. Yeah. But also that can be like an accessibility tool. I feel like. What? Instacart. Yeah, you can't afford it, though. I would agree if you could afford it. You are literally having your electricity shut off. You're not doing the convenience of delivery, dumbass. What are you talking about, dumbass?

1:05:59Well, I think, I don't know. I don't know if I could get rid of that one. That one's too. You can because your electricity is getting cut off, dumbass. Yeah, but then my three-year-old likes when the groceries come. What? It makes him happy. It makes him happy. Okay. To see it. Oh, you guys are broken. What the f***? Yeah, late fee. $1 ,369 in interest last year. Yeah, it's stolen from you, taken from you. It's gone, never to be seen again. In fact, you have to pay for it. Yikes. Ally. Ally credit card, that's a rarity. Usually it's a car loan. Are you both on the Ally? Yeah. What's going on with Ally?

1:06:40Probably traveling. What the f***? If you can't pay your electricity bill, why are you traveling? Because. She goes to like a nearby city a lot to visit family. She'll go to like Vegas, Utah. Nearby driving? Like hour and a half. That's okay. That's not the end of the world. You can budget that shit. You can pack lunches. Yeah. You can get a cooler. I just don't pack lunches. But what the f*** is wrong with you? Yeah, and then when I go along and it's like in the middle of a work day. Neither of you can do it to be clear. Yeah. I don't know. You don't know. Great. Good one. Okay,$47 over the limit Six years to pay off What the f*** are we doing, guys?

1:07:22This is a joke $111 a month You purchased$774.43 on this What the f*** are we doing? Fees again Please don't tell me it's a f***ing late fee Please don't f***ing tell me it's a late fee I don't think that's got a late fee yet Hold on What is happening? Hold on, where is this coming from?

1:07:478 of 12 months last month were late fees on this card. 8 of 12 months. Yikes. I didn't get any notice of that. Nearly three-fourths of the year was not paid on time. Three-fourths of the year. I didn't. They didn't say anything to me. You guys are broken. And you can't. They don't. They want their money. There's no notice or anything. It doesn't fucking matter. That doesn't matter. You have the responsibility. You took this out. You signed the contract. They don't give a fuck for you. Man! You think they'd give you a heads up? No, why? They want their money, dumbass Oh, you guys are the biggest dumbasses I've ever met You really are, what the f*** are we doing?

1:08:21Many guys can't talk about money? No shit Late feeds happen 8 of 12 months What are we talking about?

1:08:30No, this statement was in November Okay, at that point, you guys missed 8 of the 10 payments that was due 8 of the 10 last year at the time of the statement Ah, ah, ah, ah, ah F*** you Yeah. What is wrong with you? What? You made one on time. You made one payment on time on this card. Yay. Props. Did you do that payment? Good job. I don't know. I don't know. And you guys can't talk about money. You don't even know how much money comes in. I can't even put that under the f***ing budget. What are we doing, guys? Surviving. No. I would say no. You're really not. I'd say we're surviving. In-N-Out?

1:09:08Arby's? going inside to get into bullshit from the gas station? And that ain't the gas. What are you talking about? Because the gas was 101, then you went in and spent 717. Energy drinks. Nope, I do my mixes. Well, I don't have it with me right now. No, you go into QT and you get energy drinks. I do a little drink mix energy drinks. Yes, you do. And now you're doing the better ones. Here. They're nice and inappropriate for your Mormon brain. But here, you got gamer subs. Get the flavor you like. the free samples. Type in Cody Caleb at GaberStuff.tg. Link in the description below. See what flavor you like.

1:09:43They're free. And then it's 40 cents a serving. You make them at home. You do the little shaky shaky. You make them at home. 40 cents a serving. We did a blind taste test. They tied with the best energy drink. Nice. So I don't need to go to QT anymore? No more QT. You're making energy drinks at home. You're making coffee at home. You are not getting Starbees anymore. I do have an espresso machine. Energy drinks at home. Coffee at home. Energy drinks at home. Coffee at home. Budget. Okay, we can do that. Because you also went inside and got another energy drink. Chick-fil-A. Pantry. Instacart. Go to the grocery store.

1:10:21Instacart, Instacart, Instacart, Instacart. Booper Eats. Go to the restaurant. Except you can't even afford that, so pantry. McDonald's. McDonald's. I can't eat McDonald's. McDonald's. I was probably buying it for a team member. Barades, pantry. Starbucks, make your coffee at home. What is wrong with you guys? You have children and your electricity is getting shut off.

1:10:49This is the spending of a child. Yeah, you are the parents. It's for the kids. No. No, it is for you because you said it's easier. It's quicker. It is for you. Fuck you. Starbucks is bullshit and a waste of money. and you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter. The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane.

1:11:33Listen, you can also get free samples to see if you like it or 10 % off your order at gamersubs.gg or click that link in the description below. Type in code Caleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new DollarWise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use. But let's be honest, that was on me. So I put my money where my mouth is. And after investing millions of dollars and hiring dozens of people, we've completely rebuilt DollarWise and it is truly incredible.

1:12:13And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33 % discount for three months or take the annual plan for an insane 50 % discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well. Both of them mailed directly to you. But after March 31st, the cookbook is gone forever.

1:12:48So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. Guess what? Oh my goodness. It's another fee card. It's a red, meaning it's late. What are we doing? Quicksilver One, what's going on with this? Who's this? Is this both of you guys again? I don't actually know. I have no idea. What is wrong with you guys? You don't even see. We don't even know what cart. Okay. For sake,$978. I scheduled a payment for that one, and they put it on because I've got two capital ones.

1:13:24$163 a month, but guess what? You purchased that, and then it's late because you probably didn't have enough money in your checking account when you scheduled the payment. That would be it. They doubled up. They doubled up. So they did a double payment on the other card. Need some grog. It's ridiculous. I don't know what that means. I don't know. They took out the payments and put it towards the... Yeah, return payment. Platinum. Pass due.

1:13:53Five late fees this year so far. Last year, the due date was... Okay, you had 11 months of the time of this statement, so four out of 11 you missed. Did better than Ally. Yeah, progress. Clap. So what? Is that actually going to be your f***ing help? Is that how we're going to walk away from here? Is that how we're going to live our life? Your kids are screwed. She's had to call family to try to pay the bills, yet then you go to Chick-fil-A. Do they know that? Do they know that? Because you should tell them that. Next time you ask for money, you should say, but also we just spent a few hundred bucks on Chick-fil-A last week.

1:14:26Well, my mom let me put her card in my Chick-fil-A account. Is that how you got all those points? Maybe. Your mom let her put her card in your Chick-fil-A account? Yeah. With your four kids? Why is your mother like this? She thinks it's out of love, but it is so enablement. You can't change behavior to save your life. You'll never be able to take care of them in the way that you need to financially. The way they need. There's no way. There's no chance you'll ever be able to. Yeah, she felt bad. She shouldn't. She should tell her kid to stop being a child and grow up. Well, she's Mormon, so she probably wouldn't say that, but yeah.

1:15:04Are they not more conservative? Do they not want you to grow up and be independent? Well, they do, but also... What? But giving you her credit card and your Chick-fil-A account is the literal opposite. Yeah. The spending is a little bit generational. That's funny. We're dying. We're literally dying. Our children are going to lose a roof over their head again, and the electricity is going to be shut off. Let's laugh about it. Ha, ha, ha. Yeah. I don't know. I'll figure it out. No. Shut the f*** up. I'll figure it out. Shut the f*** up. Again, you see, you just did the thing that I said everyone does.

1:15:44That's not an answer. That's a get-out-of-jail-free card. That's not an answer. I figured it out all the way up to this point, so. Look, we're figuring it out. It's figured out, too. Half a million dollars in debt. Maybe one of them is a mortgage. Yeah, a mortgage that you guys couldn't pay, so you turned it into a rental that doesn't even break even. Yeah, you have not figured it out. You guys are in a hole that is beyond holes. Yeah. I think it could be worse. I think it could be worse. I really think. Yes, it could. You guys could be math addicts. Yes, you could be math addicts, and your kids could be in CPS.

1:16:16But you're not. This is still horrible. Yeah. It's still horrible. You guys are—you don't realize the hole you guys are in. You don't even realize the hole You saw the hole, you wanted to soak in the hole I know you Mormons love soaking Yeah But you guys are deep in there, man You guys are deep in there and someone's not even bouncing on the bed for you Well, we do that well enough For ourselves, obviously We have four So Yeah Like what the f*** are we doing And you're saying you'll figure it out That's not how this works I'll let you guys use the Fizz card, debit card that builds credit. That doesn't let you spend more than it's in your checking account because you guys can't do that to save your f***ing life.

1:17:01Save your f***ing life! Interest, fees, destroyed, horrendous, over the limit, as always. This one's not. For the first time, Capital One Platinum. Who's on this? What's going on? You probably don't know because you're spending money. I think that's the one that did the double payment. That was the last. I thought that was the last one. Yeah, I don't know what's going on with that card. Okay, well, you owe$438.27. A couple years to pay it off. Minimum monthly payment. I don't even know. I'm going to say$111. It looks like that's what you tried to put towards it. Fee 38 because you're late. Purchasing$124.

1:17:36$10.65 of interest accrued. I'm video and then payment returned. Payment returned. Because we never have enough money in our checking account because we are not adults. You are children. Missed payments? Oh, looks like about... I can just end everything now.

1:17:56What would Joseph Smith think now? Joseph Smith was called a prophet. Dum, dum, dum, dum, dum. What do you think? I don't know. Is he looking down from his very own planet in shame? Well, he doesn't get that yet. Just when Jesus comes back, so. He has to wait for his own planet? Yeah. He do. What does he get? Kolo or something? No, that's where Jesus is, right? Kolo? I don't know. Kolob? Kolob. Oh. That's Jesus' planet, right? Kolob? I'm a Jack Mormon, so I don't really know much about Joseph Smith. I don't know what that means. I wouldn't classify yourself with that. What is a Jack Mormon? It means that I identify as Mormon, but I don't really practice.

1:18:34This is like trans? You're a trans Mormon? A cultural Mormon. A trans Mormon, that's a good one. You're like, you believe in half the golden plates? Yeah. Like, I pick and choose what rules I follow. No, it's more like you just go to church, but don't really do much past that. And drink coffee. Yeah.

1:18:52Yeah. Okay, so you get a half a planet? Yeah, probably. Like a continent only? Yeah. Maybe like an island. What do you do with a whole planet? That's not really a planet. It's like a kingdom. You get a kingdom? Who's in your kingdom? Whoever you want. What? So they don't get their own kingdom? You get a kingdom, but the people— Oh, it's for the family that you produce, yeah. Yeah, for the family you produce— Who else is in the kingdom? Well, you can create them, like God. You can just make people like little slaves? You make slaves? Black slaves? You make family. Oh, no, no, no, no. So you make slaves to whip and abuse on your own planet.

1:19:30Yikes. No need to bring race into this. Who's on your fucking kingdom then? Your family. Like with the family that you produce with your spouse. Who runs the kingdom? Us. Yeah, I think. You guys. Yeah. So your kids don't get their own kingdom? That's kind of interesting. Well, it's like. You guys have never thought about this once. I literally, I've done it in five minutes and I'm not even. It's like a chain link. A chain link, right? So like we have our own. They get their own, but yeah. Is there a train that connects between the kingdoms? High-speed rail? It's like a Venn diagram. A Venn diagram.

1:19:58I think it's more like a mode of existence. I don't understand. They're linked, but. This is too complicated for me. Really? This is like one of the basic tenets of your religion. Don't you know? Yeah, this is why. Or be able to answer my question as an outsider? We pick and choose. It's a mode of existence. Yeah. A mode of existence. We just like God. Let's say that. We love God. And that's fine. That's nice. I should get answered the question, but. We can't. Okay. Affirm overdue. It's all Amazon. Pull up your Amazon. Oh, no. The math was done and I'm reading that you guys owe$906. I bet it's 250 bucks a month.

1:20:44This is all Amazon. you're literally overdue on your at 36 % a firm guys this is insane the fuck is wrong that's insane that is ridiculous what the fuck did I just witness overdue on a firm how are you overdue on your firm what is wrong with you guys what's a firm what is that the buy now pay later for what Christmas oh why's your battery at 1 % cause Our chargers broke on the way in, so we have been rolling without phones for a little while. Okay. Lots of brewing. Handed oscilloscope. For my stepdad for Christmas. I thought you said he couldn't do Christmas. It's so sad. Because I... Pistachio with no shells?

1:21:33Bust open the shells. Save the money. That was for stocking stuffers. Pistachios? Wow. Her toddler loves pistachios. I'm sure they do. Clear plastic cups and winchels and coffee syrups, a lot of them, and Sonic Flavor Blasters and a lot of pistachio and push pops, and it's all bullshit. Except for the kids' helmets on their bike and the loofahs, it's all bullshit. And also, you don't even need loofahs these days. Come on. Just wash it. Just wash it. It's all bullshit. Take that before your phone dies. It's all bullshit. Is that a different Amazon? That's his Amazon. I just realized it's a work Amazon, so it's all like parts and materials and stuff.

1:22:16Okay, fine. What is Hypno Babies? Hypno Babies. Hypno, yes. It's a birthing course. A birthing course. Wow, you're right. There is a lot of slop out there. Master Money is good, and there's a lot of good things. I've taken some home literacy stuff, and those are good as well. There's some good things out there. There's a lot of slop. But now, there's like a Ty Lopez in giving babies? Well, it's to help you not, like, be in pain while you're giving birth. You have to take a course on how to not be in pain? Yeah, it hurts. Take the medications. Oh, man, glad I paid hundreds of bucks for that course.

1:22:57The first one, like, was pretty traumatic. Like, she had a really rough birth. Did you natural birth? No. Did you have medications? This is an emergency C-section during COVID. So it's like, but you had to do that to course? Well, I was, I took that one for this past baby. And you failed two payments on this course? Yeah. It's paid off now. It's paid off now. Okay, I'll throw it away then. But that's good. What the f*** are we doing? Why couldn't you make your f***ing payments, dude? Synchrony pay later. You have synchrony pay laters. Oh, f***s sake. This is like in a firm for synchrony, it looks like.

1:23:33What the f***? Yeah. Okay, I guess you owe$577. I mean, we guess your minimum fee payment's like$150, usually with that math. What the f - Synchrony Amazon pay later. So yeah, the paying for is for that. Why are we doing that? Because we didn't have - I had to get stuff for our baby. You didn't already have stuff? You've had so many kids. Isn't the fourth one where it doesn't need stuff anymore? Isn't that kind of the thing? She gets rid of all of it, and then we have to buy it again. Why? You keep reproducing. You guys can't stop. Because we live in a double wide. I can't just be keeping stuff.

1:24:09You guys live in a double wide even though you own a home? Yeah. I wanted to go somewhere cheap so we could pay off debt. Did you buy or rent a double wide? You guys are in a double wide? We're renting it. Yeah, we're renting it. Oh, we were renting it. Because it's super cheap. Shit. Yeah. Yeah, but is it a good area? Yeah. It's a phenomenal area. It's a really good area. Yeah. Really? Is it a double wide community? Right across the street is all custom homes, and then we're just back to desert. It's a really nice area. Yeah, what about the neighborhood of the Double Wides? It's really... Oh, yeah, it's fine.

1:24:40The people there are good. They have goats and chickens. That doesn't mean they're good, but okay. It's nice and quiet. There's only like three houses on the street, so... Yeah. Double Wides. Mm-hmm. What is this? Is that Sezzle? You sent it. Yeah. Sezzle. Never even heard of it. What is that? What the f*** is the Sezzle? Buy now, pay later. Oh my goodness, you're addicted to every buy now, pay later you can find. That's scary. Yeah. That was a Christmas present. $304.37. Oh, it doubles up on a monthly basis.

1:25:22$203 a month, so it paid off in a month and a half. What the f*** were you getting? Sportsman Warehouse? What is it? A scope for a gun. For who? I thought you didn't have time. I usually, I mean, I take the boys out on the weekends and I'll take my guns and go shooting and whatnot. Can they even walk? What ages are these? What were they again? Five, three months and our seven-year-old. So I guess they count. Okay, just not the newborn, obviously. My pastime is just hiking around out in the desert. It's pretty cheap. Scope, what are we scoping out? And what's the little spiders? What are there to kill?

1:25:58Everything. It's just for a deer hunt. There's deer in the desert? Yeah. Damn deer are everywhere. Javelina. The f*** did you call me? Javelina. What? Like boars. Like pigs. That's not a boar. Those are everywhere too. They're not as big. They're big.

1:26:17Why do you possibly owe$34 ,000 to your family? What the f***? That was part of that real estate thing where I was trying to do the mobile home park and it just went so far south. Tell me what happened Well We got all the plans drawn up And everything was good to go And then when it came time To actually drill the well And actually get the utilities So what were you spending money on Up to that point I need you to be able to Self-diagnose this So I know you won't Do it again Even in your own business today It was buying So the mistake I made Was actually buying The mobile homes beforehand Before the land?

1:26:53Yeah it was bad What? It was bad How many did you get? Three Three What did that cost you? It was originally like$75 ,000. We've paid like$50 ,000,$40 ,000 off. And your family invested into it? Yeah. Yeah. How'd you convince them? Why did they even go for it? It was going to cash flow pretty well. It did not cash flow very well. It did not. You're right. So the issue that I had is I got stuck with these houses that I had to sell, and the market was kind of turning down at the time. It was not a good place to be. Yeah. So. The person we borrowed it from is like somebody that typically would like invest in stuff like that, but it just went very far.

1:27:36What a mess. What a mess. What a mess.

1:27:44Yeah. When was this? 2021. Or 22. So if it was an investment or was it a loan? Because you guys are saying it's owed to family. If it's an investment, everyone lost their money. You don't owe them back. That's the thing. I'm covering it because I don't want to do that to somebody. Well, sure. But they really... Okay. No, no, no. Were they expecting it as a loan that would be paid back or an investment? Because an investment might get lost in a failed business venture. It was written up like an investment, but it's more of like turned into just a loan. It's been written up? Yeah. How has it been turned into a loan?

1:28:15Because it was like, okay, then I want you to repay it, and then we're going to do a little interest on there. They want you to repay it. Yeah. Yeah. Oh. But honestly, I really think they should take it as a loss if they viewed it as an investment. I really, like, I understand you wanting to pay it back, but I - They're going to have a short-term position in the ownership and probably sell anyway, so it wasn't really - Still, it's an investment. What the f***? That doesn't make - Okay, do you have a minimum monthly payment to them? No. I disagree. No, no. It was just kind of - They asked for a minimum monthly payment?

1:28:44They were supposed to. Oh, what did they ask for? They asked for, what,$500? $1 ,500. $1 ,500? No, no, no. It was like$1 ,000 and I was like, no, I'm going to do what I can. I literally looked at her notebook and she wrote that down and said$1 ,500. I need to know. What do I put? I'm just paying whatever. So when I do another real estate, what would a minimum monthly payment that we could agree with them on be? Probably$500. Okay, we'll do$500. For fuck's sake, guys. What a mess. What a good luck mess. Verizon? Is it in collections? Yeah. I think so. What is wrong with you? What the fuck? Okay, Verizon in collections.

1:29:24CNS. What's this? CNS. What's CNS? Car loan. Car loan. For what? What is the car? Is that your Expedition? Expedition, yeah. Ford Expedition. Does it drive? Yeah. Go to the grocery store. Noted. Okay, so you owe$13 ,619. What do you think it's worth? Probably eight. Yeah. $8 ,700. What's the interest rate? I don't know. Why couldn't you get a statement from me so I could know? We couldn't get the statement. What is wrong with you guys? $448 a month. Probably a shitty interest rate. I bet. I don't think it's high 20s. Yeah. You said 27. What? Yeah. 27? I'm not sure. No! What is wrong with you? I had a house that was flipping in.

1:30:15I was like, I'm just going to take that and pay it off. Dude, stop with this flipping, asshole. That's what I'm saying. He's a good flipping. Western Fund, what is this? Car payment. That's a work truck. Okay, a truck. I use it for work, yeah. Well, you use it for work. Do you put it... He drives it personally. No, it got stolen and totaled earlier this year, so... What? So, have they forgiven it as insurance? I'm in the middle of it right now. Well, I'm going to cross it off now. Jeez, that sucks. Well, I mean, it's okay, because hopefully it'll get forgiven. Okay,$4 ,890. We're the Hartford.

1:30:44With decades of experience insuring millions of unique small businesses, when it comes to your small business insurance. Thank you. One size absolutely does not fit all. Get a quote or find an agent today at thehartford.com slash small business. This is a mortgage. Oh, that's a minimum thing. Well, your guys' mortgage is$5 ,000 a month? What? Your income is... No. What? You're overdue. Oh. Yeah.

1:31:13I don't know. Real estate class, budgeting class, debt class, investing class, and the f***ing dollar is budgeting, guys. What the f***? Use all the f***ing tools. How did you guys f*** this up? This is insane. You're behind on a f***ing mortgage and someone pays the majority of it. What is wrong with you? What do you get for the rent? Like$2 ,200. Yeah. And it's$2 ,495. Why can't you come up with the extra$200, dick? There's a solar system on there, too. That we have to pay for because that's not included in the lease. Well, you chose to get that. Yeah. You chose to get that, you little f***er.

1:31:50Yeah. I've tried to tell him to up it, but he won't. I like the tenants. I think they're great. It's not about liking it. It's not even about upping it. You should be able to make this payment regardless, you f***er. You f***er. You f***er. What's wrong with you guys? Can't even contribute. Don't you have to give a certain amount of money to get your own planet anyway? No, that's Scientology. Well.

1:32:12You can come to church with us. Are there good snacks? Yeah. She brings them. I will come one time. Okay. I'll hold you to that. Wow. Can it be here? I'm not going to Arizona. Sure. No offense to Brandon. That's like, I don't, there's not many states that are in my non-desirables, but Arizona is one of them. Yeah. This is like, why? What am I going to do? Look at sand? Yippee. I'll go to West Texas. At least I'm still in Texas. Mountains. I'll go to West Texas, and at least I'm still in Texas. You drove through them, and you probably came through the Panhandle. You didn't go through El Paso, did you?

1:32:51No. Yeah, we did. They can't even agree on if they came through El Paso. Yes, we did. We did go through El Paso. Okay, so you saw it. You saw it. You saw it. This is why I like to travel. We have an okay desert, don't we? It looks a lot like Arizona. I lived here for two years. Exactly. It's all the same. I don't give a f***. I don't need to go to New Mexico. I don't need to. You're right. Actually, I would go to northern Arizona. My brother who's not even a Mormon Him and his gay fiance They're in the Mormon capital of Utah Why aren't you guys So many good things are happening in Salt Lake The economy's booming, things are going great We're a little landlocked I can't even agree on that You're basically landlocked Well we have custody Custody stuff so we can't move until Oh that is fair And by the way what's not fair Why are you behind on the mortgage?

1:33:43I didn't get an answer for that. Oh, I paid it. Do the tenants pay on time? No, you did not. It was past due, you asshole. Do the tenants pay on time? Yes. And why didn't you? It was the difference. We didn't have the money to come up with a difference. Oh my goodness, you guys are broken. Oh. Colton. Oh.

1:34:04You're negative$267 in your checking account is what you ended, and you started with negative$564. Go get your planets early. Just go get them. Just go take the journey. It probably would feel better than this. Get your little kingdoms because your kingdom is crumbled. Crumbled. That cobblestone is flat. Kingdom has cash flow. I mean, at least we got that. Where? Tell it where. Because wouldn't it hit the checking account? Yeah, for some reason, we're still getting an Apple bill. Well, there's an overdraft. I don't know what those are. Arby's, even though we're negative. Arby's, that's wonderful.

1:34:38First of all, Arby's? What are we doing? Arby's. We can't hear Arby's. Overdraft, overdraft, overdraft. Well, let me tell you. I'm losing my mind if you can't tell because this is insane. We've only had 23 overdrafts in this checking account alone this year so far. Yo! And this checking account, which I'm sure there's overdraft because it's only at a few bucks, is door-dashing McDonald's, black-rack coffee, Apple Bell, Apple Bell, affirm, Amazon Uber Eats. Uber Eats. Use your f***ing Ford that you pay a thousand trillion dollars for. Prime Video, McDonald's, Instacart, Instacart, Nintendo, Energy Drinks, Apples, Energy Drinks, McDonald's, Energy Drink, White Pages, Apple Bill, Apple Bill, Instacart, Door Dashing Fries, Love Island, Instacart, Instacart, Instacart, Apple Bill, f***ing Uber, Inst, Apple Bill, Chick-fil-A, Affirm, Affirm, Instacart, what are we doing?

1:35:35Instagram, Instagram, Instagram, Instagram, Instagram, Instagram, Sherbin Williams. Is that not out of business? You Mormon. Lava Island, Lava Island, Lava Island, Lava Island. What is Lava Island? It was for our daughter's birthday party. What the hell are all those charges from? Lava Island? That was a one time. Baro's Pizza, Roku, Zellie, Chick-fil-A, McDonald's, Amazon Energy Drink. Amazon Energy Drink, Roku. again a double Roku my two's getting Roku me why it's the car energy drink energy drink energy drink energy drink it's the car Apple Bill Chick-fil-A in and out it's the car energy drink Chick-fil-A kill me now in and out energy drink no savings no retirement I have$30 in fidelity here's the

1:36:34So, if that helps.

1:36:39It's going to bail us out here. It is. Here's the thing. It's growing. I knew this from the beginning of the conversation. Y 'all's relationship and how you view this shit is broken. Step one, couples therapy. Okay. Not an option. Religious or not, I don't give a fuck. So you can do it in the Mormonism. They'll probably just tell you to beat her, right? Maybe. Probably tell me to listen to her more. Oh, really? Yeah. Oh, progressive Mormon church. We love that. Well done, Mormons. I hear they decided to consider black people as humans a couple decades ago. So. Yeah. What are you talking about?

1:37:19Woke. Very woke of you. We're catching up. Not my rule. or no it was that black people could go to heaven I think they decided a couple years ago I don't know anything about that congratulations I'm okay you made it you got your own kingdom just it took you a while okay first step couples therapy go through the master your money series use the community and use the budgeting app that's not an option and number two I think we all saw this coming unfortunately this is including your business accounts which affects all this I don't even have half the picture. I'm sitting here down with Reed. He does our books.

1:38:00He is going to do your books for a month and just tell you what the f*** is happening. And then he is going to do your personal books. So I'm getting you guys two sessions. I'm paying double. I'm doing double Reed. Okay. He is our in-house guy. We rarely have to use him, but you guys are f***ing this is complicated. I only have half the story anyway. So we're not making a budget. Doesn't make sense. He will. And it will be good. And you guys need to go on with it. and I'm going to go on to the post show because my life, I'm dying and I need to step outside for a second because blood pressure, oh my goodness.

1:38:32Click the join button. Join us for the post show. And Hammer Elite, best membership on YouTube.

1:38:40So I know there was one thing we couldn't talk about in the main episode.

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