He Treats His Wife Like A Dog | Financial Audit

26:37Once we're more settled down, she's in her career field. Then let's make a more permanent decision. Keep the flexibility of rent. Don't get this collateral loan on our acre that you got gifted. What's the acre worth? What's it valued at? Like$25 ,000. So it's 100 % being taken as collateral. Yes. Do not do this. Do not do this. Dude, what are we doing? No, no, no, no, no, no, no, no. No, no, no, no. Because you can get a home builder's loan at some point if you want to build on that lot. You really can. And we've thought about it. Let's think about that in a couple of years. Look where we are.

27:16We're fucked. And I got to start getting these documents so we'll be here for the rest of the day. There's a home in your town to rent for 927 we found. But what does it look like? I don't know, but it's just like the flexibility that, I mean, we immediately just found that like that, right? Like it ranges. all over the place. It ranges all over the place. You guys are certainly above, it appears to be the median in the area. Like, you don't need to be doing what you're doing. Where we feel safe. Okay. It's Taylor, Texas.

27:53Listen. It's not the greatest place in the world in some parts. It's Taylor, Texas. I know if you see someone slightly more tan than her, you start drawing your gun. It's not that dangerous. I don't know. Tyler. Tyler, not Taylor. Taylor's the one close to Austin. But still.

28:14Okay, let's start getting into this. Listen, and again, your entire philosophy is just wrong. I need you to participate. I'm not saying make decisions, but you need to be informed. You need to have shared goals. Retirement should be one of them. Ownership can be one of them. And you have to make the decisions you are doing, the spending you're doing, the debt you're getting, the allowance you're getting, which we shouldn't even be doing. I don't even know. We'd have a combined account where we're allocating certain money to different things. We're doing it together. But we are. Kind of. She's not.

28:45She's forbidding. Big stuff. Motorcycle, for instance. Yes. You talk to her about, but she doesn't know the entirety of the picture to make an informed decision or have an informed opinion on that question. Yeah, but she doesn't need to as long as everything. Because if you guys have aligned goals, then she could be like, hmm, does this interfere with the aligned goal that we have based on the entirety of our current financial situation? Yes or no? Oh, she doesn't know this? She can't answer that. She doesn't even know what the goals are. Whatever. Do whatever the f*** you want would be her answer.

29:16Because how could she be informed? This is more on you than him anyway. Because you're just not doing it. You're just being lazy. I'm going to go three, two, one, point. on point. I want you guys together to give me what you think your household financial score would be 0 to 10, 0 being the absolute worst, 10 being the absolute best. Okay? Okay. Same time. 3, 2, 1, 2. Zero. Okay. Why do you think she thinks you guys are doing a little better? Because the bills are paid and everything's kind of taken care of? We've... our water still turns on. We still have lights. Our phones still work. That shouldn't be a brag when we brought in$160 ,000 last year.

30:06That's what we're holding on is like we're doing well. Well, no, we're doing terrible because we should have at least $100 ,000 in a savings account with as much as we make compared to our bills. To be on track with retirement, I'd say, well, with where you guys are today, about$80 ,000 to$90 ,000. Why do you think we're at a zero? I know. I probably agree. If you want your Hammer financial score, make sure you take the assessment for free at calebhammer.com. See where you stand in the world of finances, where you're doing horrible, where you need to improve, and what you need to do to do it. And if you don't want to be like a guest who ends up on the show, make sure you download my preferred budgeting app, the DollarWise budgeting app.

30:45New features added every single month. It's incredible. Tens of thousands of people are subscribers, and they are changing their lives, and you can too, at dollarwise.app. Take your free trial. And if you like it, sign up for the annual version. When you do, I will send my budget-friendly cookbook to you, signed by me. And it also saves you a lot of money when you go annual as well. But go get your free trial at DollarWise.app. Let's get into these finances because we'll be here for a little bit. I have a feeling. This looks like a firm to me. Who's a firm? I think that's mine. I'd say that both of us have one in there.

31:20Hmm? I said both of us have affirms. Yeah. Okay, so here's a firm. Why are we affirming Walmart at your income? Why are we affirming Amazon at your income? The Amazon was her computer for school. Hers? Why couldn't you cash flow that? Because we didn't have the cash at the exact time. I don't remember. Okay. And Walmart? Walmart. Yeah. It's a grill. Huh? It's a grill. It's a pit boss. Okay. Did you not have a grill? Yes. Yes, you didn't. It was a different grill. Uh-huh. It was great. The griddle grill. Critical when we have no retirement, no savings, and we want to do things together, like get a house and retire and have a dignified life so our kids don't have to take care of us when we're older, which you'll do, by the way.

32:21That's what you're setting them up for, delaying their lives when they're about 10 years older than you because mommy and daddy never sacrificed enough to have enough for retirement. All they have is their acre with who knows what on it. Pull up your Amazon for me. I want to take a look. Take a little peek. What's on the ranch? Deer. And you take care of the deer or you kill them? Both. You pet them? No. No. No. They're really cute. I was going to say, we would do a trip up there if we could pet some deer. I mean, it's for hunting. It's for hunting. They sell deer hunts. It's a hunting ranch. Well, that's fine.

33:01That's fine, too. It's just not as exciting to me. I keep getting pet deer on my shorts. Okay. Well, this is in the cart. This isn't even purchased, but he has a knitted blazer. some kind of construction hat, some pants, I assume he has none, tool set, I'm sure he has none, socket holder, I'm sure he has none, bucket work center hardware tube pouch, I'm sure he has none. I'm sure you have none of this, just like your grill. Another tool set storage for$200, and then tool bucket trunk for$75. What the fuck? You have none of that. It hasn't been purchased. Yeah, it's in your cart being ready to purchase.

33:49No, but it's nice. It's a nice stuff to have, but it hasn't been purchased because I can't afford it. Uh-huh. And then on here, Magic John 2-pack iPhone. Okay, phone case. That's fine. Men's Silicon rings. You got a ton of rings? Well, yeah, I constantly break them. He goes through them a lot in his phone work. Maybe get a better ring? Oh, okay. Okay. Okay, well, I can vibe with those. The things in your cart are absolutely stupid. Pull up your affirm for me.

34:26Okay. So, yeah, I want to see. Okay, so it looks like the payment, which is this monthly or biweekly? Monthly.

34:38Your minimum monthly payment for these is$56.67. stupid man stupid I don't know you should not have to affirm in your situation you really don't and if yours okay well let me take a little for the look at this yeah there it is if it was 0 % I'm chilling with it cause okay whatever he's deferring his money maybe the minimum payment thing is stacking up and it's not that healthy but either way whatever he has the income to pay for it if he's finessing that's fine No, it's a 36 % interest. Hey, do you know that that is bad? Yeah. Yeah. This is why she should know what's going on. Accountability is not a bad thing.

35:27Reasonable accountability. And that's reasonable. Would you question him if you knew this existed? I knew that firms existed. At a 36 % interest rate? I feel like that's pretty normal for a firm. Yeah. Is she okay with it? She's okay. This is... Oh, okay. So she's a weapon. A weapon of what? She's not a tool. She's just going to enable you forever. She thinks everything's good and normal. No, no. Why? She's not concerned by any of this. She just goes with it. What if you're injured? I know you can go find a job easily when you got fired, but what if you're injured? Then I would work from home.

36:13Doing something. For a lot less, most likely. Yeah, probably. Because your skills would not immediately translate or your resume. Yeah. Listen, I'll get you that construction project management certification to course careers. I'll get you that for free. A lot of people in the audience have used it and they got into the field and they're making killings. So I'll get you that one for free. There's a lot of trade certifications and tech certifications there. So I support the switch. You know, do this while you can. but draining our savings to go to Galveston is wild. Our kids haven't been, we haven't, we didn't take a vacation the year before last because I was gone on a storm for 158 days.

36:52And that's a big problem for me is because - No, the big problem for you - Well, listen, I get to go to New York, Virginia. I get to go to all these places - Take them! Well, for work. No, I know, but take them because you take them to Mobile. I can't take them on work stuff. No, not during work. I'm saying when you go on vacation, go to New York. Don't get a Mobile. Well, I feel bad because she sits at home and takes care of our kids. I agree. So take them somewhere nice. You went to Mobile and Galveston. We had no money at the time. That's our problem. We get these big paychecks. You drained your savings.

37:22I wouldn't have done anything anyway. We get these huge paychecks that are$5 ,000 to$10 ,000 checks. Dude, go to Six Flags. And then we go below it. Six Flags is cheaper. For the kids. Ted, it's not for you. They're four and two. They're not even tall enough to ride the Ferris wheel. Yeah, then go to a water park. We do. Splash Kingdom. We went to Grey Wolf Lodge too. Yeah, we went to Grey Wolf Lodge. Grey Wolf Lodge. I mean, at least go to Kalahari. I don't even know what that is. I have looked at that one. Oh. I don't know. I don't know. I wouldn't be spending on any of this, but if you're going to at least do it.

37:55Yeah, all of a sudden, what are we doing? Kill me now. It was pretty. The water was clear. It was when we went. Yeah. For once in his life. I mean, it wasn't Hawaii, but... It was way cheaper than Hawaii. See? It's usually correlated. Yeah. By the way. So this is your affirm. I take it. Yes, that one is mine. Pull it up for me. You guys have separate Amazons? Yes. No. Do we? What do you mean separate Amazons? Separate Amazon accounts? Yeah. Oh, yeah. Yeah. Yeah. Why'd you say no? Because she's on my Prime. Yeah, she's on my Prime account. But different accounts. All right. Well, let's see your affirm,$1 ,552.21.

38:41Looks like your minimum is... Oh, fuck. These payments are insane. We got Target, The Buckle, Amazon, Amazon, Dive Bomb Industries. What the fuck is that? Betty's, Ticketmaster, and Airbnb. What are we doing? What are we doing? Got laid off. He got fired. What are we doing? Why is this even an option? Dive bomb was Christmas. Yeah, it was his Christmas present. This has been going since Christmas? All these are 36 % interest? Of death? Of insanity? Of shit? No, those are 36 % interest. Oh, come on. Yes, they are. No way. No way you 0 % financed. I wouldn't believe this for a single fucking second.

39:26Would you? No. Uh-huh. Now, why do you say that? Why do I not believe that? because that means she would have to pay more than$50 on each one. Off the rip. These aren't the payments. How do I get the payment? Fuck. This is complicated to kind of, whatever. I'm going to guess it's like$200 a month. It's$266. Oh,$266. So you actually know that. You confused me. What did we get at Target? I don't remember. Yeah, back in January. No, wait.

40:07July. Buckle, some clothing, Amazon, Amazon. Bettys? That's our bedding. Bettys is our bed. Bedding. Yeah, our bedding stuff. Not our bed. Ticketmaster? Matt Matthews. Yeah, Matt Matthews. That's a trip for her and her mom.

40:26Okay, I don't think I know. You don't know? He's a comedian. Matthew Matthews? Matt Matthews. Gay comedian. Do we know him? He's a gay comedian. We are big comedy heads here. I googled him when I saw his face. It was like, oh, that guy. He got big off TikTok. Yeah, TikTok guy. He's hilarious. I haven't seen him, but he's been good on some things I've seen. Balloons. Plastic silverware. Toys, toys, toys, toys, toys, toys. Piggybanks. Toys, toys, toys. watch bands to make everyone think you got a golden watch when you absolutely do not. Kids birthday. Yeah, we're doing a Toy Story birthday party.

41:10Great. How about you give them happy birthday? You're not going to have to delay your entire lives when we're retired because they did not consent to come into this world. You chose to bring them in and you're f***ing over. Endless birthday s***. Endless. Spider-Man s***. Posters. Poster frames. That was our oldest. Oh, you are the whitest f***ing woman I've ever met in my life. She has one of these, life is like the bathroom. Sometimes everything comes out okay, and sometimes you have to push it through in that cottagecore-looking bullshit. It's for our little boy's bathroom. Oh, I'm sure. You are the most white woman I've ever witnessed in person.

41:47That's wild. I didn't think people actually bought that at home. But you didn't even do that. You got it on Amazon, even worse. Dude, you get sloped constantly. You just get bullshit. This is all just plastic bullshit. just getting endless plastic bullshit every day of your life. She's at home shopping all day on Amazon. That's all she's doing. Is that your hobby? That and spray tans? Yep. Hmm.

42:17Hmm. How do you feel about that, big guy? Well, it's for our kid's birthday for the most part. I went a full month in there and it was death, death, death. She's an organizing freak, too. She likes everything organized. So plastic totes, all that kind of stuff. She uses. She does. It was like endless decor, endless bullshit. It was all just stupid. Well, I told her from the start when we got married, the house is yours. You do what you want with it. Sure. Within budget. She does. She gets$200. She shouldn't. You do what you want with it. You can't afford that. You can't afford$200. We've been making it work for the last five years.

42:56No, you have$0 in savings,$0 in retirement. You guys have tens of thousands of dollars that you're saying that's making it work. Is that what is the outcome of making it work? The outcome of everything's paid. You also have a shopping addiction on whatnot? I don't even know what the f*** that is. Oh, you do? Yeah. You blame your dad for getting into it, I guess. What the f*** is that? I don't even know this. I buy football cards. Football cards? I've heard of baseball cards. It's kind of like baseball cards. I've heard of Yu-Gi-Oh cards. Yep. What the f*** are you talking about? I got a lot of high-end football cards that are worth lots of money.

43:30Very good. What could you sell your collection for? I don't know. It hasn't come in yet. This addiction just started. How much have you spent on this? These high-end football cards? A hundred bucks. Doesn't sound very high-end to me. How many are you getting for 150? It's more like a gamble. You don't know what you're going to get. Do you buy a team and hope for the best? How many cards will you get? Oh, I don't know. A lot. Dude, then how can you even say you're making a return on investment? You don't know what you're getting. Well, I know one card. How many? One card's worth 175. I know for a fact.

44:03You don't even know what you got, though. But I know that card for a fact. How? Because I've already looked it up. The guy sent me pictures of it and everything. Oh, good luck. Good luck, guy. It's graded and everything. Good luck, guy. So apparently my phone bill was higher than my grocery bill last month, and that is just ridiculous. But that is why I switched to Helium Mobile. today's sponsor and honestly it is refreshing to see a phone plan that isn't stuck in 2008. They've got a zero plan that costs you, you guessed it, zero. No contract, no credit check, no hidden fees, just a free phone plan that actually works.

44:37And now they've rolled out kids plans too starting at just five hours a month. So if you're thinking of getting your kid a new phone but don't want the crazy phone bill, this is your chance. And you can even earn cloud points for just using your phone or referring a friend. Then cash those out for gift cards to Apple, Amazon, and more. Because, hey, you deserve some holiday gifts too. Download Helium Mobile today at Helium. It's a win-win. You get money and I get money. These are called affiliates. And you get that sweet, sweet cash for signing up for some amazing products. The first one is Chime.

45:10This is a checking account that I personally use. And you get up to a$350 bonus with the new Chime checking account and earn up to 3.5 % APY on your savings. And second, my investing app of choice these days is weeble and get a two percent match on all of your money that you transfer over and finally sign up for automated investing with acorns typically the sign up bonus is only five bucks but with my link you get twenty dollars ladies and gents you get money i get money enjoy links are in the description below cash app who's cash app i don't know if that's hers or mine uh three dollars 82 cents in it don't know if that's hers or mine five thousand came in five thousand and went out?

45:49Probably mine. That's his. Oh, good! We're going to get a Whataburger, McDonald's, Starbucks, Waterpark, Appleville, Taco Bell, Snow Bunnies, winning Walmart. That might be okay. I don't know. Are you the grocery shopping? Yes. What are you f***ing doing all day? Well, we go together. Uh-huh. Mothers with kids also usually grocery shop. We go together. I don't like going to Walmart by myself. Well, don't go to Walmart. No one likes going to Walmart. That's all we have. I thought you wanted to stay safe. We have that in Brookshire's. I don't know what the thing you just called me. It's like H-E-B.

46:29Or like Kroger or... Brookshire's is kind of like R-H-E-B. Okay. I would rather go there than Walmart. I mean, I thought you... Again, you're trying to stay safe anyway, so... It's more expensive. They don't have as much as Walmart. Comes with the safety. They don't have... I like to brass. They don't have all the knickknacks she likes to look at. Well, you don't get to look at knickknacks. and if you don't go to Walmart, you get to avoid the other ones that start with an N that you don't like. Why are we making me out to not like? I never said that. I never said I didn't like those people. I work with those kind of people.

47:01What do you mean by that?

47:05Well, they're not kind of people. They're just, yeah. They're not people. Are you saying they're three-fifths of people? They're people. What are you saying? They're people. Hmm. Can you call Tyler in?

47:25We're not scared of white people.

47:31We talked about going to Walmart, and he called you those people. No. He did. Lay it back. I never said I didn't like those people. I work with those kind of people. He called you those people. Who's those people? He's trying to put me as a racist. And that's far from what I am. I don't call Tyler those people. I love Tyler. Okay. I did say that. I said those people, but that's not what I meant by that. And I don't avoid Walmart by myself. So what's the concept? Not because of color. Because men like to kidnap women and children by themselves. What kind? Arabians? I mean, anybody. Arabians.

48:22I don't know. Arabians of all people? I don't even know. You know, like, the statistic for trafficking is white people, right? Okay, well, there you go. Can't even trust my own color. You're making it sound so much worse. Who the f*** is those people? What are we talking about? What are we talking about? Who's those people? He, so he brought up the people with the N. Is that what she said? Don't say what I, no, I didn't say anything. I didn't say, no, she said, you'll watch it back. She gets knickknacks and I said he avoids another kind of N at Walmart. Oh, okay, okay. You said you do? No, I don't.

49:07Yeah, he said those people. I said those people, like you can't say, yeah, people, because then you don't know what you're talking about. Humans. Tyler is a human. Tyler is a human. Okay, I appreciate it. Tyler is as much a human as you and me and even Arabians. Thank you. You seem fun. Oh, thank you. I appreciate that. I appreciate that. Saying he's one of the good ones? Dude, you are a mess. You are a mess. Those people is crazy. Those people is crazy. Thank you, Tyler. I appreciate you. Don't be back in his room. No.

49:45Southside Food Supply for$10. Feed. Feed. Probably gas. $10. $10 a gas. Okay. Starbucks. McDonald's. Travel Plaza. More Walmart. Those people. And Dairy Queen and Dollar General. Probably milk. Yeah, we have a Dollar General right down the road. So that's where we get like milk and stuff. Dairy Queen, Sonic. Buddy, it's so much bull. Chipotle. What are we doing? You're dying in debt. Can't achieve any of the goals you guys want to achieve while making so much money, then getting fired, and then having half the income, and then spending our entire emergency fund on Gavelston. What the fuck? Why are we spending on all this bullsh**?

50:26There's some more Walmart. I don't know. I don't think that was milk that time. It was so cheap it looks like. Did you go in and get energy drinks or anything? No. I stopped drinking energy drinks a while back. Why? I don't know. I just stopped. If it's a price thing, here, take this. You can make this yourself. This is free samples. Now, they're very Goonie branded, but these are the best tasting things. So that's Gamer Supps. Like, you go to Starbucks endlessly. It's stupid. Make your coffee at home. Be a big boy. Now make your energy drinks at home. It is 25 cents a serving. I do make coffee at home.

51:01It doesn't taste the same. Well, then get the Starbucks beans, which, by the way, are horrendous, and Starbucks is horrendous. So it shouldn't taste the same. It should be objectively better in every way whatsoever unless you're getting some f***ed-ass beans. Even if it's Starbucks purchases online, it's probably going to buy coffee for her at home. Well, that's stupid. We're only making coffee at home, and we're only making energy drinks at home. Get the free samples link in the description below for those. There are 25 cents a serving once you decide what flavor you like. For 10 % off, by the way, using that link as well.

51:31That's so stupid, guys. Have energy drinks, coffee at home. No more Starbucks. No more stopping and eating some bullshit. Waterburger. Starbucks. Subway. Dude, you just got all the chains. You don't even go anywhere interesting. You're just chain. You're a chain addict. That's all we have. That's all we have. I'm sure. There's locals. I am sure Tyler has a couple, ma and pa. They do here and there. The f*** off. Dude, you're going to Subway. But they're far away. Great cookies. That's convenient. Great cookies we learned in our Hammer Elite show, Fat and Fatter. But horrible everything else. Subway is horrible.

52:08Horrible. And you're borrowing from Cash App to maintain all this bull. Travel Plaza. Okay, there we go. You got a pizza place that's a little more local. Travel Plaza, Whataburger, Brookshire's. Surveying Associate. Hearn Surveying Associate for$920. Yeah, that was for our survey for our acre. Oh, okay. We're already spending so much on it. Tea Market, Meat Market. Piggly Wiggly. That's a grocery store. That you got a$5 thing at. Probably. Oh, that's when I went and bought jalapenos. Whataburger Famous Footwear Journeys. I didn't know people actually went there. Yeah, that's where I get my vans.

52:48Cowboy Headquarters. Whataburger, Whataburger. This is insane. And you're borrowing$650 from Cash App over and over and over again to sustain this. To sustain going to Subway again. Dunkin' Ones, Baskin Robbins. Wendy's. Went inside some 7-Eleven. Got some bulls***. Donut Palace. Sounds great. Taco Bell. McDonald's, Whataburger, Slice Pizza, Taco Bell. You made$180 ,000 last year and you were revolving$650 cash app loan endlessly to maintain this bull. This is unacceptable. And I know I'm unfortunately going to be disappointed in this answer, but what is your thought on this? I didn't know about the borrowing.

53:35Wait, really? And now what do you think? In order to maintain this bull, which continues to be Andy's, frozen custard, by the way, PlayStation Network, winning got some bulls**t, Apple Bill, winning got some bulls**t, Starbucks, Chick-fil-A, Taco Bell, Apple, winning got some bulls**t. Dude, he purchases approximately 50 times a day. This is insane. Yeah, what's your thoughts on this now? McDonald's, McDonald's, winning got some bulls**t. What's your thoughts? Because this is f**ked. She's with me on 90 % of those purchases. Yeah, what's your thoughts? I want to hear from her. Purchasing that$6.50.

54:11I didn't know about the borrowing. Borrowing, yeah. Give me your thoughts on it. You heard it now for the first time. What do you think? I don't know. Oh, come on. You have to have something. Do you have no feelings or emotions inside of you? Do you have no opinions? You need to have something here. I'm concerned that you're way too passive in life, and you're just going to let him steamroll your entire house into the ditch. Yeah. Wow. That's it? I don't know. I don't know. That's why we're here. You have no opinion. He has the job. So? Are you not the wife? He pays it. Well, no, he actually doesn't pay it, obviously, because he just borrows it back.

54:49Yeah. And you're okay with it? No. Then what are you going to do? There's nothing I can do. I can't pay it. You can't have a conversation? You can't have a conversation with your husband? Yeah. Is that the dynamic of this household? You cannot have a conversation? No. Have a conversation. Tell him what you think. tell him what you think pay it off wow okay so he knows that will amount to nothing I think he'll pay it off he does pay it off and borrows immediately it's a revolving debt it's a revolving door

55:26you don't give a you're too passive do you get steamrolled in every instance of life No. No? Then show me some of it. Have a conversation with your husband about how he is destroying your house right now. That's why we're here. I know, and I'm trying to have this conversation with your wife who was unable to stand up for herself or her opinions in any way whatsoever, which is horrible for the future of your guys' financial household. So that's why I am trying to fix this right now. Your passiveness right now, it's not a disgusting quality, but it is, it is, it's horrendous. It's going to hold you guys so far back.

56:16Yeah. What would you say if you guys were in a room and you just found this out? Tell me what you would say to him. Tell him what you would say to him. Pretend the rest of us are not here. Have the conversation. Have the conversation. The cameras are not here. No, the cameras are not here. You just found out you're in a room with him, and you just found out one-on-one. I don't know what I would say to him. I'd just tell him to pay it. This is embarrassing. What a f***ing joke. So our conversations usually go, say she found out, and she said, okay, well, what is it being spent on? Why did you take it out in the first place?

56:52And why are you incapable of saying any of these words without him saying it for you? I don't know. Okay. Great. This is indicative of an incredible partnership going forward. We talk. I mean, we talk. Really? Or do you talk? No, we communicate. We communicate. Why? You seem very incapable of that. She doesn't like new places? Yeah. She's shy. Well, don't be. This is the place to do it. Couples have come on here. They put her all out there and they've gotten their s*** together. Are you? Not at this rate. You're passive. You're laying down and getting rolled over and you're okay with it. I mean, there was one time we were going to buy a motorcycle.

57:46And. This is the third time this has come up. Okay, so what happened with that? Well, this is a good example of her laying her foot down and saying no. When was this? Just a couple months ago. Three or four months ago. So I told her I wanted a motorcycle, and she said, okay, well, let's see what we can get. So I found one that I liked. I called, did the whole deal, and they gave me my interest rate and our payment, and I think it was going to be like$6 ,000 or$7 ,000. Maybe it was all the way up to$1 ,000. But I called her because if it's a big purchase, we talk about it. We talk about, can we afford it?

58:22Is it worth it? Blah, blah, blah. I called her, we talked about it, and we decided it's probably not a good idea. And she's the one that actually, I was excited, so I probably would have just done it. But she's the one that said, no, this is probably not a good idea. We can't afford it. Let's not do this. Okay, listen, your big excuse for not participating is all, he's the one that has a job. What happens when you have a job? What does that dynamic look like then? Because you will be getting an associate's degree and trying to be a paralegal. Then what happens? I mean, all of our money will go into one account.

58:58We'll pay the bills. We'll, we'll, we'll. How's the dynamic? At that point, I'll actually have a check going into. Why is that what matters when it comes to having conversations? I mean, I actually, I don't know. I feel like even when I have a job, we'll still split it up the same. Should you not build the muscle now? All of our money will go into one account and then I'll still bring money. You'll get an allowance based on your own pay? Not an allowance, but like... Based on your pay. Well, to be able to put some in savings and stuff. So all the money comes in into one account, he manages it, and then you get a little tax of your own money?

59:39Yeah. That's enough to get us through the week. Yes. Isn't yours just bullshit? Isn't your fund just bullshit? I have your cash app right here. Isn't your fund just bullshit? Yeah. What the fuck are we talking about then To get us through the week Gas Well I mean I don't really get gas right now Cause I don't go anywhere But yeah You have a two year old Shouldn't you be going places Are they gonna be bored We go to the park and stuff That's free They have a playground in the backyard too But it is still gas right It's two minutes down the road Okay so you guys walk No It's not two minutes down the road It's like maybe five miles down the road But I pay for the gas We fill up on the weekend if...

1:00:22Nothing even happened in here. This is money going back and forth in your cash app. Nothing was even... There was no account. It was to and from cash app over and over again. Okay. Okay, who's Capital One Quicksilver? We both have one. Oh, f***s sake. Who owes$330? I think that's mine. Who spent$300 last month? Huh? Do what? That one would have been yours. Was that mine? Because, yeah. So funny story. Oh. On both of these credit cards that I have, on the Quicksilver and the Bass Pro have both been closed. That is funny. Do you, the reason why. Because you weren't paying on time? Nope. No. Why?

1:01:05I bought some bullets. Ammo. Ammo. And not, but maybe a month later, both of my accounts got shut down at the same time. Why? They thought you were going to go on a white nationalist shooting spree? Nope. Okay. So both letters came in at the same time, and I don't remember verbatim, but pretty much it said, you are not the customer we want to supply credit cards to or whatever. Okay. Do you know what's because of the ammo or because you're always maxed out? Well, that's the only thing I can think of because I was still making my payments. They close accounts when people are maxed out all the time.

1:01:40I mean, you're borderline almost maxed out. You're accruing interest. Takes 17 months to pay off. You had... I'm not saying for sure. It was just ironic that you had two return. I swear, every time, this is the very first credit card we're looking at. You can't tell me you pay your bills when there's been a late fee this year. You cannot tell me that. So what the f*** is happening? This lines up every time. If someone specifically tells me at the beginning of the conversation, well, we always pay our bills. There is a guaranteed late fee. Not only that, but this last month, you had two return ACH payments.

1:02:15to return. Yeah. So what are you talking about? I always pay my bills. Fuck you. It still got paid. Do you say that so that she can sleep? No. Well, okay. He pays them not on time and he gets fees added. You okay with that? Yeah. Extra fees added to the balance because he doesn't pay it on time.

1:02:47Okay, Cope Giggle, sure. I think all of our credit cards last month had return payments, but we didn't know what was going on. Because we had the money in the account, but when we paid it. Every time we paid it, even though we had the money in the account. It probably wasn't an available balance. Yes, it was. Available balance? Yeah, because I have three different. He still had the good job. I have three different checking accounts, or I have two different checking accounts. But that does not make sense. And I also don't trust you guys as a reliable source.

1:03:2229 % interest rate. Platinum. Who has the Platinum card? Me. Ah, the chunky balance goes to her for the win. Okay, Platinum. Capital One Platinum. Did they close your card because you were associated with a bullet owner? No. That would be too weird, man. I don't get it. People buy bullets all over the country, and they would love you to spend money. And that's an easy way to spend money. So I think that makes no sense. Because when I called them to ask about it, too, they told me the same thing. Told you what? that you are not a customer. I have the letter. She has the letter on her phone. Show me.

1:04:02While you pull that up, you currently owe$1 ,201.91. You're spending on a card that you can't pay off with a$42 minimum payment. She gets an allowance, yet you rack up a$1 ,200 almost maxed out credit card that is accruing interest in having purchases that takes nine years to pay off if you do minimum payments only without purchasing, of which you are incapable of. By the way, that went up. Oh, what's the new balance? Wonderful. No, not that one. Yeah, but that one. About 30 bucks. Oh. How much? Because trash came out. About 30 bucks. Oh, yeah, our trash bill is on that. Okay, 231. There's the letter.

1:04:35Okay, Capital One. Let's see. I mean, it's the same letter for both cards. We just got two letters. Dear Real Name, we are closing this Quicksilver One card because Capital One has observed activity on one of your Capital One accounts that is inconsistent with typical customer account usage. Come on. So maybe they're viewing it as, so when we first opened our original office, I spent a lot on Amazon to get a lot of stuff around the office and they viewed it as unusual and they closed it. Not because I was purchasing it on Amazon and they saw that I posted a picture. They're like, this isn't the kind of customer we want.

1:05:11Ew, you buy posters? No, it's because it was unusual. You probably went on a weird spree and is viewed as unreasonable, as risky for them as the lender. Please stop using this account immediately and destroy any cards and checks associated. This is so funny. I read so weird. It's like, just close it, guys. Also, you should update any reoccurring payments being charged with the count, including Jim, you're still responsible for repaying the balance. Yeah, okay. No, that's not some fucking conspiracy. That's happened to me. It's annoying. I'm just saying that was the last thing I heard about it.

1:05:44That was the last thing I heard about about why accounts were getting closed is if you bought, they were - Through Capital One. Through Capital One. They're associated with a certain group. And if you bought out of their whatever - It's a group. They're a bank. I know they're a bank. And it didn't make sense to me either. But that was the only thing - They're a bank. Trump won the popular vote. I highly doubt they would go against literally over 50 % of the country as of the last election. Like, I know, like 50 % didn't even vote. But whatever, either way. It's like - I didn't do my research. That's just what I got told.

1:06:17I don't think they would fight half the country. Yeah, no. Be like, we don't want your money. Yeah, no, I didn't do the research. That's just the last thing I got told. You asked for it, and I'm delivering a way to connect the dots to see how the stuff we talk about applies to you, your money, your debt, and your goals. The wait is over because Master Your Money, my all-in-one personal finance platform, is finally live. Inside, you'll get access to all of my courses, budgeting templates, calculators, a community of like-minded budgeters, exclusive content, weekly tips, and free access to the DollarWise Premium budgeting app.

1:06:58Learn everything from budgeting to investing, tune in weekly for Behind the Budget, a Master Your Money exclusive, and join members' monthly challenges to celebrate your wins. And since it's Black Friday, I'm giving you access to our members' exclusive audits, financial audit post shows, and more insider content in our newly upgraded Hammer Elite 3.0 membership. I've wrapped it all into what I'm calling the Ultimate Hammer Bundle. Sign up for Master Your Money today and get lifetime pricing at just$39.99 a month, over$100 in annual savings, and access to the DollarWise Budgeting App Premium version, one month of Hammer Elite 3.0 for free, plus a free budget-friendly cookbook that you can download.

1:07:40This insane offer ends after Black Friday, so if you want to master your money, click below and get started today. Guys, just real quick, don't forget to take your Hammer financial score at calebhammer.com. See where you stand, where you got to do better, where you're doing shit. Listen, it just takes a few minutes, and it is free. Figure out where you stand in the world of money, calebhammer.com. What was this done under the Biden administration? Was it an extra conspiracy? Okay Trump was in office So I don't I don't know This makes no sense I don't know what conspiracy You're falling into I love a good conspiracy As much as the next guy Nine years to pay this one off Minimum three payments only Of which Without any purchases That you Always purchase So Amazon Return payment Peacock We're really paying for Peacock When we can't We don't have a F***ing emergency fund what are we doing?

1:08:34Oh, we're also DoorDash and Wingstop. When we have nothing in savings and only one person works. In what world does that make sense? You, who has done that? It's both of our card. You both have this. Who DoorDash, Wingstop. And out of all wing places, Wingstop, guys, well, fine, better than B-dub, sure. There you go, that's fine. I'll accept it, the ranch is good. Continue. I'm pretty sure. I don't know how much it was, but it was probably a mutual, like... It was a mutual payment. Yeah. Hundreds in interest, losses here, what? DoorDash never gets bought except mutually. So you're mutually... Great, wonderful.

1:09:20You're also mutually f***ed in every other way. 31.24 % interest rate. Putting DoorDash on a 31.24 % interest rate debt, that's f***ing moronic. Bass Pro Shop, of course. I'm assuming this is yours. Okay. You don't pay it off even with a small balance. $161.82, minute-to-payment,$27. Takes seven months to pay off. No purchasing, but$5 of interest accrued and almost$100 this year. Okay, Quicksilver. So this would be your Quicksilver then. That one has gone up. Yeah, that one went up as well. Oh, good. What's the new balance? Like$380. Why? Our four-year-old had a doctor's appointment Monday. Okay.

1:10:09What, and your co-pay is$180? We're transitioning jobs, so we haven't got a check yet. We paid for the hotel on that credit card and then for the year. And then$80 was for doctor co-pay and medicine. So stupid. And yeah, you're purchasing on this as well. $25 minimum repayment still most likely. based on his minimum payment for a similar balance with the balance going up 180 bucks to$380. Great. What was your purchase? A DoorDash pass on a credit card that accrues interest. What are we doing, guys? What is this lifestyle? I actually didn't know that that was on there. Well, yeah, you don't know anything.

1:10:53You don't? You don't about anything finances? Nothing. Right? Doesn't seem like it so far. I do. What? What do you know? Well, we don't use my DoorDash. So when I saw that and got on my DoorDash, I was like, I don't have a subscription. So I asked him. Yeah. And I had a subscription that I didn't know I had. Yeah. So it was just linked to that card. And we didn't know it.

1:11:26Okay. Oh, Chevy. Got a truck. That's my truck, yeah. It's a truck. Okay. Got a 2016 Silverado. Mm-hmm. Okay. So$3 ,315.05. That's not a massive balance, which is pretty good. How much is it worth? I think$10 ,000. I would say. I don't know. $9 ,000 or$10 ,000, I think. Now, why does your dad think this is paid off and that you're hiding that from him? I'm confused. Like that's such a weird thing to do. My dad is a money man. Far as he's the one that like very financially responsible, always like very good with saving and that type of deal. Sure. And it's been drilled into us as kids like, hey, you need to take care of your finances.

1:12:14You need to have savings. You need to have all this kind of stuff. And when I was making those really big$10 ,000 to$15 ,000 checks, he was like, you need to take that money and pay your truck off with it. Why? So lowest interest rate debt we've looked at so far. and also you have an equity position of about$5 ,000. Because he was trying to get me to pay off my truck and my wife's car just so we didn't have... Instead of the high interest debts, 36 % on a firm? He doesn't know we have those. Oh, then what the... Okay, so what, you lied? No, we don't talk about our finances with our parents. We don't talk about our finances with anybody.

1:12:43Our finances. Why'd you say you're hiding it from him then? Because I told him that it was paid off. To get him off his back. Oh, so you did lie! I did lie to him, yes. Oh, so what the fuck did you just... Okay, okay, okay! Great! Every time I went on, because last year I was gone for 158 days on storm, and my dad knew that, so he's like, all that money you're making, you need to pay off your truck, and he'd tell me that once a day because he calls me every day. It's a little invasive, okay. And I just told him, I said, okay, I paid it off. The last check I got, I paid it off. You know what you're doing?

1:13:12In the poster, you're going to call him and tell him you lied. Yeah, you're going to be a man. Come on here, man. I am. You don't need to be a pussy, right? Yeah, that's okay. You afraid of dad? No. So we'll call him in the post show. Okay. Very good. I like that. And I get it. You probably felt like you were being nagged, right? I was, yeah. Yeah, I was. But, you know, it's just like, I don't know if we want to lie. I would explain the philosophy around maybe we're not doing that. Because if he is financially savvy, you would understand, well, actually, we have this other debt and it's a little high interest.

1:13:43It's much higher interest, so we want to prioritize that. And then we'll do the cars. You have an equity position of about$5 ,000 to$6 ,000 in this car. it's not the worst at a 5.53 % interest rate. Minimum repayment of$516. And it's worth about$9 ,683. So, okay. Well, I'm very curious to see what his reaction is to that when you call him. It's going to be quite funny. I would say he's very non-confrontational. Yeah, he's not confrontational at all. Yeah, you also lied to him and you will confess that. But we have what I believe is an other car, and this one's at 15.14 % interest rate. What the?

1:14:25What is this car? A 2022 Chevy Trailblazer. Yeah. Trailblazer? Okay. What's the balance? What do you see? I know you're a minimum day payment. Like how much do we owe? Does it not have the balance? I think it's like$14 ,000 left. Oh, it is. It is$14 ,767.48. Oh, with a minimum monthly payment of$577.74. You're lucky that this is worth about$17. So it's worth more than you owe. So what are you saying? I said you're lucky for that. Okay. The interest rate is still horrendous, so you're still not winning by any means. but at least if you had to get rid of it, you couldn't. You didn't walk away with a check as well.

1:15:16I will say that's the first car we've ever bought ourselves. It's rare to have two cars with equity positions on the show. Well, I thought at the time, and this is a mistake on my part, I thought the interest rate was 8%. Yeah. Until Credit Karma started sending her offers. You were okay with 8 %? Yeah. It's 2022. Yeah. after COVID interest rates were shitty. Yeah, people were getting 6, 7. Yeah. And we were, I mean, that was the first vehicle we've ever bought and our credit wasn't perfect, obviously. Yeah, that's the more reason why. And she needed a car. She was driving a 2006, 2008. 2008. Speaking of the interest rate, your student loan interest rates are actually kind of chunky.

1:16:01They're not even generous. They're like close to 7. Two of them shouldn't have interest rates. Or no, not interest rates. They all have interest rates. they all have interest rates. Yeah, just not accruing interest. Yeah, the subsidized ones wouldn't be accruing. Okay, your total student loan so far, but you're going to have to borrow more, right, in order to do what you're trying to do? No. Yeah, you're going for your bachelor's, so yes. Yeah, if I want to go for my bachelor's, yes. Well, he says you want to go for your bachelor's. Yeah. Do you want to go for your bachelor's? Oh, yeah. So yes is the answer to you have to borrow more.

1:16:34Yeah. Because you won't cash flow. Which I wouldn't now with high interest debt and no emergency funds, but... Okay, so student loans. Right now, you have a total of$4 ,819. How much are you going to have to borrow for the bachelor degree? And when is that? I don't know how much I'm going to have to borrow. I think because the bachelor degree is$40 ,000, but because I have their certificate and the associates, that cost will go into that. I would assume then about 20. Correct. Yeah, about 20. So 20. But I'll also get FAFSA. Like just like these. Yeah. I'm asking for how much to borrow. I think the answer would be 20.

1:17:20Not if FAFSA covers a lot of it. Okay, well how much? I don't know. I haven't applied for FAFSA yet. You guys file taxes jointly? Why should you qualify for anything additional? I don't know. You made incredible money. You should just get student loans. Student loans. You got children, so you get a little bit of child tax credit, but... I don't know. I know, because when I applied for FAFSA to go through a PMP, they were giving me like$3 ,000, I think. You get that. This is your credit report. More student loans? No. There's three student loans, two... Yeah. That's it. Okay. Is that all our debt?

1:18:04I think so. Okay, who's the Bank of America checking account? That's mine. His. Okay, we started with$3.44. We have two children. That's disgusting. To do the spending that I saw you guys do while starting a month with$3.44 is disgusting. Yeah. Unacceptable. Children. What can I say? You guys are children. Our kids love donuts. And you won't even hold them accountable. You won't even hold them accountable. You'll just cope giggle all day. Going out to eat. How much last month? What do you think? What would we guess? $800. Okay. What would you guess? $1 ,000. Okay. $1 ,122.73. What the f*** is wrong with you guys?

1:18:56That is more, well, actually, with the two cars. That's not true. But it's close to your minimum payments. That was also, though, because he was working six days on, eight days off. Pack him a f***ing meal. He did take lunches, but breakfast and dinner most nights he would... Pack him a breakfast, pack him a dinner. I don't give a f***. You guys are in debt. You can't hit your goals. You guys don't have anything in retirement. You have no emergency fund. Not having an emergency fund is an emergency. What are you guys going to do if an emergency happens? Can someone answer? What will you do? I don't know.

1:19:26Borrow would be it. Yeah. At higher and higher rates until you guys are in a payday loan cycle. Which you borderline are with Cash App. Again, those little pay advance things are not necessarily a bad thing. It is just like credit cards. It is how you use them, and you use them poorly. Have you ever borrowed money from your parents? Mom and stepdad, yeah. Well, there you f***ing go. So it's more of that. What are you borrowing for them for? I borrowed$1 ,800 one time to start a business. What the f***? Okay. And? Business worked for six months. What else did you borrow for? I think a bill one time, like 200 bucks.

1:20:04I don't remember what the bill was. See, that's what happens. You're going to have to borrow more. You're going to have to go begging for money. You're going to have to embarrass yourself. It's been a couple of years. This is embarrassing. No, I'm saying if an emergency happens today because you guys are prioritizing$1 ,150 of going out to eat over building an emergency fund, miscellaneous bulls**t on top of that was an additional$2 ,429.83. We already saw a lot of those purchases. We will see more. So at minimum bullshit, minimum bullshit was$3 ,500 essentially. No, no, no, no. It was about$4 ,000.

1:20:39Almost$4 ,000 went to bullshit, complete and utter bullshit. Bullshit. So what the fuck? What is our desires? Because you guys are not living up to it. Can someone tell me? Hey, fine. What do you want? What do you want the household to look like? What are your goals? What are you trying to do? Money, finances. What is the household trying? What do you mean, what is the household trying? What do you guys want? Not you, you. Uh, I don't know. Oh, what a joke. What is wrong with you? Not an emergency fund? Not to pay off debt? Not to get a house? Not to retire? No, I want to pay off the debt. Can you tell me what the f*** you want to see this household accomplished financially?

1:21:27I want to pay off the debt. and and build an emergency fund. Oh, good.

1:21:36What is wrong with her? She just goes with the flow. No, she's No, I wouldn't say that. She's smart. She's super smart. Whoa, I have not seen that on display. Just different ways. Different ways? Where do you do it? Was she going to put the right shape through the right hole? No, she's book smart. Coloring. Mm-mm. No. No, college book smart. You're going to go through all of my financial education. It is not an option. I would take it together, but at minimum you have to. Debt class, budgeting class, investing class, real estate class, recession class. You go through all of them for free. I'm in real estate law right now.

1:22:19Well, great. That is the legal. I need you to learn the finances. Okay. You get it for free. Okay? Okay. Take advantage of it. Tens of thousands of people have gone through them. Now you get it for free, so. No, this is just like, you can't be lost on this. It's just like, I don't know what to do. It's like, you just don't give a f***. When I asked you to give me a few financial goals, you just repeated two of four that I said. That's it? Like, you've never thought about this? Never had a conversation? Well, yeah. I mean, the only conversation we've had is we want to pay off debt. and buy a house.

1:22:56And buy a house. Then why are we doing everything but that? $4 ,000 on bulls**t. Because we're terrible with our finances. Exactly. So wouldn't we then try to correct that? Do the actions that are required in order to correct that? If our goal together, we already know, is to pay off house? We started that like three months ago with even having money in savings. Ended with barely anything either. But it's this cash app, rent the center, winning got some bulls**t, winning got some bulls**t. PlayStation Network, cash app, cash app, cash app, cash app, cash app. I think a toll road. Cash app. Cash app, cash app, cash app, cash app, cash app, cash app, cash app, cash app.

1:23:36When it got some bulls**t. When it got some bulls**t. Cash app. Blink. When it got cash app. When it got some bulls**t. Cash app, Netflix. When it got some. Well, cash app, cash app. When it got some bulls**t. Potentially, I don't know. Cash app, cash app, cash app, cash app, cash app. Southside Field. Cash app, cash app, cash app. Cash App

1:24:00Brazil Tile Tyler Winning us a Cash App Cash App Cash App Cash App Apple Bill Cash App Cash App Cash App Cash App Harbor Freight Cash App Winning us a Cash App Cash App Whataburger Rose City Barbers Cash App Cash App Pigtails and Chew haircut for the kids cash app tj macs cash app chipotle cash app stash subscription cash app cash app cash app cash app cash app cash app cash app app apple bill jalapeno tree affirm cash app when he got some bull when he got some bull Apple bill cash app JJ's academy sports when he got some bull when he got some bull license online that might be okay cash app cash app Breeza, Cash App, Chick-fil-A, Waterburger, Waterburger, Gaveston, Academy Sports, Watermill, Cash App, Cash App, Cash App, Cash App, Cash App, McDonald's, Gaveston, Cash App, Cash App, Cash App, Cash App, Cash App, Cash App, Gaveston, Helicopter, what?

1:25:06Gaveston, Academy Sports, Parking, Cash App, Easy Maisy, Tequila Rock, Parking, Tina's on the Strip, Amazon, Parking, Surf Shop, Gaveston, Whitewater Express, coffee when it got some bull gas and gavison sonic driving when it got some bull gateway when it got some bull chipotle tiktok shop what the f*** are we doing mcdonald's parking bull dairy queen doordash bull cash app water burger oh what not rent the center cash app cash app f*** you that's insane $825 in this bank of america what's this Which one's that one? It's his Yeah All three of them are mine That's the Okay Draws 2 ,000 And then this Savings went from 500 to 2 cents Great Okay And then we just had savings And then we had to fix my truck So Of course you did That's why we have an emergency fund And we don't use it To go to bullsh** galveston like what are we doing guys minimum to payments$56.67 from uh from Cooper's affirm$266 from her affirm your cash app well no minimum to payments there you just owe that 650 and then take it back.

1:26:44$250 to a Quicksilver. $42 Platinum. $27 Bass Pro. $25 Quicksilver. $516 Silverado. $577.74 for the Trailblazer. This is not student loans. That is not Cash App. Minimum monthly payments comes out to$1 ,535.42.

1:27:11Which, By the way, the income you had, and I think the income you have, you should be able to manage without freaking the f***ing. Let's build your budget. Oh, wow. Okay, so$1535.42 for the minimums. Income, we're saying for now$680. I assume you're shopping around consistently for higher income jobs and bounce back up. But what's your rent? $1 ,600. Okay. All utilities including the internet? Roughly, it's 250, 100 for Wi-Fi. 50 for water. 50 for water. 35 for trash. And that's it. Good. 435. Phone bill? 342. What the fuck? What the fuck is wrong with you guys? We've been shopping. We just bought new phones.

1:28:11In January. In January? Dude, once those funds are paid off, switch to Helium. If T-Mobile's good in your area, same tower, same service, but cheaper per line. Like, what the fuck are we doing? Okay, gas, vroom, vroom, drive, drive. Both combined.

1:28:25Maybe$400 a month. Car assurances? $135. Groceries? We should be able to do... $8. Yeah, about$800 a month. I think$800 is fair. TP fund for everyone, including kids,$250, anything else you need, toilet paper, toothbrush, toothpaste, everyone's around, it's like a sports activity, that kind of stuff. Medical healthcare, co-pays, monthly basis. Well, we don't really know right now. We don't have insurance. At all? Are you paying for insurance? No, we're looking at Marketplace right now to try to find something. Good. I'm going to assume that's going to probably be insurance about$500 a month temporarily.

1:29:03Yeah, probably something like that. Well, actually for all four of you, right? Mm-hmm. They are nice to people that got fired, but 500 might be generous. I know the last time it was one, no, 200. For 200 a month? Yeah. Okay, maybe I'll say 300 then. Okay, so 300. Is there a gym? I would like to have a gym, yes. Okay. What, 40 bucks? Yeah, 40, 50 bucks. Okay, we'll call it 50. Subscriptions, let's see if I can fit in about 50. You have any pets? No pets. Good, thank you. Okay. Anything else that needs to be in your budget that I have not put in that needs to be taken account of? No. You guys still have wiggle room, but barely.

1:29:46I can't really give you fund money. You need$5 ,897.42. Listen, go make more money. You go get a fucking job. I have been applying. And I can give fund money from that. But with not having an emergency fund and two kids, I need this$982.58 to go to pay off debt. Listen, Trailblazer, honestly, Silverado, minimum fee payment until it's paid off. Okay. I would not pay anything extra on that. I really wouldn't. With the equity position and the interest rate, the Trailblazer were murdering. Even with the equity position, the interest rate is just stupid. Insane, dumb, stupid. So bad debt is$18 ,807.20 divided by, obviously, it's going to be close to about 20 months.

1:30:38But let's see. Yep, 19 months, which honestly, not bad. A year and a half. That's with your lower income. You ramp it up, pay it off in a year. It's fully emergency fund in six months. Start building back up on retirement. You guys, this is the easiest fix. This is so stupid. Come on. This is the easiest thing I've ever seen. what a dumb position to be in this makes no sense this is your income cut in half you can pay this off like this don't get the stupid trailer don't focus on that pay off that emergency fund catch up in retirement and then do what you want with the house this is so stupid all right we're gonna call his dad in the post show and he's gonna confess that he's a liar but let's get the hammer financial score spending a budget will you overspend you're already 10 debt it's really not the worst there's some stupid things in there there's been a couple late fees and bounce checks This is probably like a 2 out of 10 for your guys' situation.

1:31:28It's not good. Don't get me wrong. Emergency fund, nothing's a 10. Retirement, I didn't see anything. No. Is there something? My fidelity count. How much? 3 ,600. 1 out of 10. Real estate. You do own. We own land. Land. $25 ,000 worth. It's not great. Not much is on there, but I mean, at least it's something. I'll give it 3 out of 10. Hammer financial score rounded up to 1.5 out of 10. Get your score at CalebHammer.com. Now click that join button for an extra 20 minutes of this episode in the Financial Auto Post Show, including three premium shows posted every single day, Monday through Friday.

1:31:58I'll see you there. But I have a confession to tell you. Okay. So my truck is not paid off. Okay. How do you feel that your son lied to you about paying off the truck when you really wanted him to? Why did you tell me that it did it? Because I was tired of you nagging me about it, to be honest. Hammer Elite is the best YouTube membership on the platform, and I just upgraded it. Three exclusive dedicated shows every single day, Monday through Friday. Join with the link in the pinned comment or description below. This is the best membership you'll ever join. That's a promise.