He's A Monster | Financial Audit

24:37Behind the Audit Hammer vs. Internet And now, upgrading from one live stream a week To two No other channel offers what Hammer Elite provides. Join with the link in the pinned comment or description below. Submit proof of purchase at hammerelite.com and we'll reimburse you for the first month with a$10 digital gift card that can be spent anywhere in most countries. Sorry, North Korea, this one isn't for you. Yeah, this is how we have to do a free trial on here because the platform doesn't currently offer free trials. It's okay, it's worth it. Yeah, it is. join Hammer Elite the best membership on YouTube today for free alright headphones are on the Timothy and I'm going to kind of do this so he can't see what I'm saying as much but you can so I just need to know from your perspective especially on this job situation where he was just hiding this and it took him forever to get in what is his impact on this financial situation when it comes to selling the house, paying off the debt, everything.

25:50And now back in debt, give the perspective. It's huge, to be honest. Now is not as bad, but once we paid off his credit cards, I didn't allow him to. His credit cards? Did you have any debt? I did, but I didn't pay off mine. Why did you guys pay off his credit cards? Because it was higher. Higher amount, higher interest rate. Okay. And I did pay down mine. I just didn't pay it off. So. So you'd say he's a, would you say he's the significant contributor to all this debt? Uh, yes. Yeah. Now. And what do you think his perspective is? What do you think he would say? He would blame it on like me being a new mom, my mental health and that.

26:32He blames your guys' debt on you being a new mom and your mental health. Yeah. Cause we did make a joint decision for him to stay home. I just didn't think it would last two years. Yeah. Two years is wild. What is your perspective of, I keep saying that because of you guys. what is your mindset on the fact that he was home for two years where you guys were scrounging on like little income still going to disney but a little income and trying to survive yeah it was it was rough i mean especially last year like summertime we moved into a house with his parents oh my kids oh my okay his dad's retired his mom works from home just like i do so we had plenty of child care.

27:12When did he start working this job that he has now? February of this year. He was doing this for two years. What do you think about that? Two years. What is your honest take? He doesn't hear this. He will when he watches it, but you have a few weeks. Come on. What do you think of the fact that he sat on his ass for two years? Yeah. I mean, those thoughts went through my mind. I just didn't say anything. Why would you not say anything? Well, you know what it's like to argue with him? I didn't want to deal with it. Yeah. But that doesn't get us anywhere, does it? No, I was even looking for second and third jobs, like working in retail this last fall.

27:47And he wasn't even looking anywhere. That's unacceptable. That's actually borderline disgusting. Yeah. That is like, he's not being a man. You said it. Straight up. Yeah. Oh my goodness. And you, did you consider it all? Did you consider, I know there's a kid involved and that makes it so much harder. But was there any thought in your head of like no longer being there? Dude wasn't sticking up. Dude wasn't fighting. Yeah, there was definitely the thought. And then it kind of ran through my mind of like, is he going to want like alimony or something like that? I don't know how any of that works.

28:26And you didn't because of that? Not the only reason, but that was definitely something. How close were you? I don't know. Maybe like for a 40 % chance. That's huge. Yeah. That's huge. Yeah. You married someone who refused to step up. What finally pushed him to get a job earlier this year, a few months ago, just a few months ago? He's probably going to try to sue them. It was just me and his parents nagging him. You had to bring his parents into it for him to act like a f***ing adult? He's 32. Yeah. I mean, since we all live together, they wanted, of course, we pay half the mortgage. So it was, my income was basically getting wiped out.

29:07This is embarrassing. This is embarrassing and I need to hear his perspective. So we're going to move to him. Can you hear me, Kylie? Kylie? Kylie? Kylie? Kylie? Kylie? Okay, my guy. Here's the thing. I want to know, in your opinion, how much of the reason you guys are in debt is because of you? How much of the reason you guys are in debt is because of her? So, you know, the two-year situation and everything. I already have her perspective. I would say a lot of it was because of me. Really? Yeah. And how much would you say is on her? Like percentage-wise or? Yeah. Like 25%. Okay. So 25 % is on her.

29:53Why did you decide to get a job recently? After two years, what finally pushed you to go get this job? I've been looking for over two years. Oh, God. Not over two years, but I've been looking for longer than when I just started. um probably the last actually yeah close to a year ago i started looking um once we moved into our new house because your new house are like a family like like our family house that we have now um and that's when like we had daycare situated that's when i was able to you know get back into you know really pressing and getting into the work field and what is you now that you're living with your parents what does your parents perspective spend on all this you not working and everything?

30:37Obviously, they were pushing me to get a job, and so now that I'm working again, they're obviously very supportive. They drive me to work every day since I'm not allowed to drive. You're 32? Yeah. You need your parents to push you to get a job after two years? No, they didn't push me. They didn't push me. They just helped me with the daycare situation. You were sitting on your ass, not doing anything, if we're being honest. Come on. Come on. I mean, I was watching my daughter. How do you think she felt? My daughter? Kylie. Kylie. Well, I mean, not great 100 % of the time. I know that from our arguments that we've had.

31:12Arguments? Yeah. What do you think was going through her head? What kind of work was she trying to do to bring in extra money?

31:22I don't remember any, like, extra money. You don't remember anything in the conversations that she still has even that has happened that she was doing to turn? Do you think she ever considered leaving you? Recently, I know she's been looking at jobs that bring in more money. Recently? Do you think she ever considered leaving you? Yeah. Yeah. You had conversations around it. Yeah. Tell me about those. I can't remember what the fights were centered around. I think it was just the amount of what I was doing. She felt like I wasn't doing enough, and so she just got fed up with it and threatened to go back home, live with her mom, take my daughter.

32:08I mean, you guys aren't completely separate. Like, I feel like he considers it to have been about 75 % his fault. For what it's worth. 25 % your fault. Yeah. Still. But he did consider it to be a little bit more his fault. And he knows you considered leaving. You guys talked about it. You threatened to go back home. Yeah. Except he has no idea that you were looking for other jobs. Well, he was sitting on his ass. He has no idea. That might be a memory issue. Yeah, that's what I said. Other jobs, I know she's always been looking for other jobs that bring in more money. But when you said extra money, like I thought...

32:43She was looking for extra jobs while you were just sitting there. You might not remember it, but I'm telling you now. You were sitting on your butt for two years and she was looking for extra jobs just so you guys could actually make your payments on things because you wouldn't do anything. And then you had to have your parents nag you until you got this job. I was still looking. Well, looking, come on. His looking, what was his looking? Opening LinkedIn a couple of times a week and hitting easy apply? Well, I feel like too, you were looking for like a niche job. Yeah, I was looking for something in my...

33:17She was out there looking for a second, third, fourth job. You can't look for the niche job. You get a job, bring in money and look for the niche job. Well, you have the job. You don't care about as much. You don't get to sit on your butt while she's grinding. It was more like Christmas time I was, well like September to December when I was applying for retail jobs I don't remember Just had birth Gonna put, gonna stand up And f***ing work retail Nothing wrong with retail I mean still, come on You're gonna make your wife go and work retail Will you do nothing Except do easy apply a couple times How many jobs are you applying to a week?

34:00two years ago maybe one that's a joke that's a joke that was when I was being the primary come on then the last year probably three that's a joke should be three an hour three an hour when did you guys move in with the parents about a year ago why the f*** weren't you out there grinding they're retired I know that they could have watched the kids you should have been out there working yourself at McDonald's if you had to yeah no wonder she was 40 % of the way from kicking your ass out of the house yeah hindsight I obviously see that and guess what now you guys are here which means you guys are not in a good position I know we've been talking a lot about what's been happening but it is very important for this conversation but the fact is we are not even close to a good spot We have$122 ,000 of debt.

34:58Guess what? There's not one mortgage there. $30 ,000 to your parents? Oh, for f***s sake, guys. Oh, for f***s stupid f***s sake. What is that? What is this? What are you? Oh, for f***s sake, guys. Oh, what are we doing? We're not sitting here having a conversation how bad things were now. I'm glad we had a redemption arc. Things are f***ed. No! No!

35:37Good death! For f***ing sake. Listen. When you're looking for a different career field, I'll at least gift you a course career certification to help you boost your resume and get into something that you want, if there's anything on there that you want, okay? I'm going to go 3, 2, 1, go. And on go, at the same exact time, you were going to say what your score is as a household. Just you two, not your parents. You two and your kid. As a household, your finance score is 0 to 10. Zero being the worst and being the best. Okay, do we understand? Yes. 3, 2, 1. One. Okay, pretty close. If you want your financial score, take the assessment.

36:16It is free at calebhammer.com. And if you don't want to end up like a guest on the show, make sure you download our DollarWise budgeting app. Take your free trial. sign up for the annual version if you want to save money and get my budget friendly cookbook that can't be purchased anywhere else I'll sign up and mail it directly to you you can sign up for DollarWise Central if you want all of our classes and the premium version of the app for 80 % off go to dollarwise.com don't forget calebhammer.com slash apply if you want to come on this show okay okay this isn't a debt again I go in blind with the audience right they know everything about you and they get paid to be stalkers it's a pretty good job right and sleuths through people's personal lives but they decided to put your checking account at the top which is rare oh great and I understand the f***ing why all this past talk past talk everything's f***ed today negative two dollars and seventeen cents in our checking account what are we possibly doing what the f*** are we doing guys what is happening right now the past no more past talk what is happening now you guys make money and you don't have to do parents what is happening now well not that we're proud of it but once we get our bills paid we just kind of yeah why you went from owning a house for your child, by the way, to now owning not a single asset, 144 ,000 hours of bad debt, not a single piece of good debt in there, 144 ,000, and we just blow money and end up negative in our checking account?

37:56Why is that the life we're even considering living? How is that the life we're even... You owe your parents who are living with money, and yet you're going and blowing money and having negative money in your checking account? They ought to kick you the f*** out. Well, we pay half their mortgage. Kick you the f*** out. Huh? We pay half their mortgage. Half their mortgage. Well, lucky you. Big boys. Good job. I'm glad. What adults. They should kick you the fuck out and make you guys learn your lesson. What a joke. You owe them money. They subsidize your life by only making you pay half the mortgage.

38:32Yeah. And then you blow everything and go negative in the checking account instead of paying them back. They, I hope they see this. they're probably disgusted disgusted I would be do they know you're negative I think they've known we've I don't know we don't really talk about money we barely talk about finances with each other let alone other people your parents yeah we are going to call them in the post show and you are going to confess that instead of the money you owe them you are blowing it all and we'll go over the exact amount because we're going to find out you're going to tell them that and you go negative in your checking account instead of paying them back and hopefully they glad you have to do that it's insane it's insane yeah i want to make the daughter-in-law i'll make his son they have oh my gosh so they looked up the area there are listings for rental homes in the area for less than what you guys are paying your parents they just sent me five homes that are cheaper to rent the entire home than what you guys are paying to your parents what are you doing You have no independence.

39:42And they can still watch him. You're close. That doesn't mean the parents don't watch their grandchild, right? You don't have to live with them for that. What are we doing? You blow all your money. This is disgusting. This is unacceptable. Well, part of the mortgage payment that we kind of give to them is paying them back. But that's only agreed. Does it go towards paying them back? Yeah. What? 300 a month. 300 a month, yeah. Great, so okay. But it's only for half of that. So it takes 300 months? Basically. Now with the other 15 ,000, yeah. Yeah. Other 15. Yeah, it was two different 15 ,000. We'll get to that, I guess.

40:24So we know what came in. Right? We know what comes in our monthly basis, 7 ,000. Something extra did come in. We had a big wire hit. What was that? Was that the 15 ,000? Yeah. Yeah, that was part of the loan. So his parents gave us$15 ,000 so that we could pay off one of his. It's always his debt. Why is it always his debt? Because he has a better credit score and he had more income. So we put a lot of the debt under his name. And you're okay with this or does he push for it to always be his debt? Because it's like always his debt. No, I mean, especially for that personal loan. That's years ago when I was trying to consolidate both of our debt.

41:08I don't know why I didn't include mine. It's just always his. And it feels like he only has a decent credit score because his mommy and daddy take care of them. They put me on an authorized user card when I was very young. I didn't use it when I was young. You're such a baby. I didn't use it when I was younger. Did you guys plan to have a kid? But they put me on an authorized user card so I'd kill my credit when I was younger. Okay, you can stop rambling. Well, it was an accident and then we chose to once that didn't work. So it was like four months of planning. So$7 ,000 normally comes in. It was like$20 ,000 this time because he had$15 ,000 wired in.

41:41Okay. What was spent? What went out? This includes, yes, putting money towards things and whatnot, but this is total out. So since I paid off that loan thing, I'd say$20 ,000 that month. That month? What loan thing? The settlement thing. You're including that? Yeah. That's what it was spent Putting money towards it Yeah If money can come in for it It can go out for it Huh? 23 25 ,000 25 ,000 Even with the wire that came in You spent thousands more Than came in How the fuck? What is wrong with you guys? I don't even know how we did that No You guys just enable each other? What are your conversations Around money today?

42:29What are your conversations He says yes You say no No I say yes We enable each other Yes we enable each other We don't talk about it What is the conversations around money? You don't talk about it at all? No. When's the last time you talked about money? Sometimes I'll bring it up when we're going to buy something. I'll ask her if we've got the money for it and we'll do a quick check. And? And if we do. We don't talk about whether or not we need it or if he can get it. It's just you just get it? He just gets it? I insure that the car payment, insurance, all that stuff's paid. Why are you okay with this?

42:56Why are you allowing this? You seem like the reasonable one. But maybe not. She just bought two LaBuboos for her and... LaBuboos. They're just invading the show. What the f*** is happening? They're cute. It's more my daughter wants one, so it's like, well, why not get two? She's three. Yeah. She knows what she wants. Get her something fake. She wouldn't know. It might be. I only paid$20 for each of them. Those fake ones at the mall and they were actually more expensive. I'm going to kill you guys. Have you guys ever asked them to skip rent? No. Yes. Yes? why is this disconnect that was last year that was december and january i think last year as in january this year yeah that's my favorite month from last year the fuck is wrong with you dude how are you so disconnected he doesn't really deal with any of the finances the bills you force her to deal with your parents her the why don't you get involved Why don't you step up at all?

44:04I actually asked you for a month to tell them that we didn't have the money. She calls you on your bullsh**. You just sit there and you just f*****. I said, I don't want to have that conversation. It's your parents. It'd be easier. You do it. And you didn't. And I ended up doing it. Do you not remember? No, I don't. This is the hard part. How much of that is an excuse versus real? Because he can just say he forgets everything, right? Especially, he seems to only forget the tough conversations. I forgot we even went to a restaurant. I was like adamant that we'd never been there. And she was like, yes, we have.

44:36We went there last year. He argued with me. Huh? He argued with me. But that was a while ago. This skip of a rent was only a few months ago. Yeah. I honestly don't remember. And how much of that do you think is genuine? 90. Okay. She has room for doubt. Yeah. It didn't sound good. I can remember stuff like the longer we talk about it. Like once we got to that one restaurant, we sat down. I was like, okay, I remember being here now. But you didn't tell me that until a week later. No, I didn't. I thought I told you guys all at dinner. No. I told my parents. No, then I'm just feeling like a crazy person.

45:19Yeah, a little gaslighting. We have been here, yeah. You did eventually, but it wasn't that same day. No. Ever been so focused on budgeting, cutting back on takeout, or opening that high-yield savings account, you might forget the one thing that actually matters if life throws you a curveball. Like, how will you protect your family if the unexpected happens? I'm talking about life insurance. And yeah, it sounds serious because it is. But that doesn't mean it has to be hard or complicated. A term life insurance policy could give your family more financial protection and Fabric by Gerber Life makes it simple and fast.

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48:51Like, where's this child's dad? Glad you hold her. Glad you buy her little boo-boos. But you're not stepping up to actually help the house at all. You helped while you were jobless because you wouldn't get a job. Because you applied for two a week. Oh, big guy. To skip rent. At the end of last year and at the beginning of this year. To your parents. This episode is brought to you by State Farm. listening to this podcast smart move being financially savvy smart move another smart move having state farm help you create a competitive price when you choose to bundle home and auto bundling just another way to save with a personal price plan like a good neighbor state farm is there prices are based on rating plans that vary by state coverage options are selected by the customer availability amount of discounts and savings and eligibility vary by state

49:49is that not a joke and then now that you've already skipped right now that you have money we just blow it all and we go negative in our checking account I didn't know that we were negative to be honest I download the statement I don't even want to look at it because I am afraid why don't you guys use a budgeting app like ours it would literally just tell you it would just tell you how much you spend and you can you guys get it for free so f***ing take it. It definitely will. Yeah, overdraft fees. Who would have thought?

50:25I didn't know there was any. But I don't like this. How do you not know? I am... Come on, if you're the one that's going to take charge, it's a little unacceptable that you don't know, I'll be honest. I'm afraid to look, I just... You can't be. That's not a choice. I mean, you can be afraid but you still have to be an adult. I know, I just, I wish that sometimes he would do that too. I do too. Why don't you? Why are you being such a little... And no, it's not because you forgot. No. Can't use it for this one. I look at the statements, or not statements, but I look at the... Ford Blue Cruise hands-free highway driving takes the work out of being behind the wheel, allowing you to relax and reconnect while also staying in control.

51:12Enjoy the drive in Blue Cruise-enabled vehicles like the F-150, Explorer, and Mustang Mach-E. Available feature on equipped vehicles. Terms apply. Does not replace safe driving. See Ford.com slash Blue Cruise for more details. App and how much we have all the time and like it's there and then all of a sudden, well, there's a lot of times where like I know what's coming in and going out and then I don't know, how many credit cards she still had. So I would see a few transfers out to whatever the card was. Why didn't he know how many credit cards you still had? I just didn't want to put the stress on him.

51:49Oh, come on. I've heard that excuse from someone else. That's not how this works, though. It's not fair that he doesn't get to be informed because you're afraid of putting stress on him. Yeah, well, it used to be that he would have a seizure if he was stressed out. Any stress at all? I think the caffeine that I used to intake was a big part into it. Cut that out recently. Listen, in this account, so much came in. But then, oh, what do we do? Well, we can overdraft. Why are we overdraft? You know, so we can go to Hobby Lobby in Churro Hollywood. We're at those pretzels. McDonald's. Going in and getting some beef.

52:26Peacock premium. No ads. It's quite nice. Listen, for Love Island, I will allow it. But once it's done, you're out. Everyone has to watch Hurricane Huda. I am a mom. Cube. Creep. Fantasyland. Resort? $828 for a resort? Was that Disneyland? Probably. Instead of paying back your parents and overdressing, you're going to Disney again? Extra value meals are back. That means 10 tender juicy McNuggets and medium fries and a drink are just$8. Only at McDonald's. For limited time only, prices and participation may vary. Prices may be higher in Hawaii, Alaska, and California, and for delivery. What the f*** is wrong with you guys, though?

53:14No, no, no, no, no, no. If we're overdrafting, we are not going to f***ing Disney. It was the last time we could go before my daughter had to pay for her tickets. No, no, no, no, no, no, no, no, no. You don't get to go to Disney if you're overdrafting. Like, flat line. Well, we weren't overdrafted at the time. You were over, you were in that same month, which is, that's what, you led to it. So what f***ing led to it? That makes sense why we spent so much then. We went to Disney. And she doesn't even know. You couldn't even bring that up. Incoming wire fee, Dunkin' Donuts, Hobby Lobby, Amazon, Pin Cow Thai restaurant.

53:49It's so f***ing stupid. You guys are spending so much money. Sometimes when we go out to eat, the bill covers for all five of us. You. You don't have money. You owe everyone in the world money. You, you don't go out to eat once unless someone else is paying for it. Your daughter's life is at stake here in terms of her future, in terms of any health savings account, in terms of any school savings account, in terms of you guys having retirement so she doesn't have to put her life on hold in her 30s to support mommy and daddy who never sacrifice. And how do we know mommy and daddy never sacrifices?

54:25Oh, because they live with their mommy and daddy. Yeah, that's the life that she's going to be living and putting her life on hold for you guys. immature parents who choose Thai over their future.

54:40So you're about to make a trade based on a friend's text. But which you do you listen to? Is it, we could buy a house in Tulum. Get optioning those options. We could lose everything. Or let's do a little research. Get your head in the trade and make the investment decision that's right for you. Learn more at FINRA.org slash trade smart. I wouldn't mind her living with us, but I don't want her to pay for us. Yeah. Yeah. I want her to be able to go have her independence though. She wants to live with you by choice. Okay. Maybe unless she's being enabled, but she shouldn't be forced to because mommy and daddy never took care of themselves.

55:24This is disgusting guys. This is disgusting. Unacceptable. I mean ending with$2 It was from an after pay payment And a Klarna payment That's what push us over the official edge Because all we do is Finance finance finance finance Bullshit stupid dumb How much was spent going out to eat In the most recent month Household

55:52I know we don't budget But we at least go do it So we should have some kind of internet That's a lot of money that's a ton of money what the what is the difference here what is the you both said you look at it why are we so disconnected again i i would love to know i don't itemize stuff i just know that well i spend at least probably 250 a week on door dash yeah rinse takes your laundry and hand delivers it to your door expertly cleaned and folded so you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. Like tea time you. Mmm. Or this tea time you.

56:34Or even this tea time you. So did you hear about Dave? Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great. And then if we go out to eat every weekend. Yeah,$1 ,800, by the way. I was close. Unacceptable. disgusting, embarrassing what the f*** is wrong with you guys? well it's usually easier to order food that's the point and that's why it's more expensive you dumb tit, that's how it works easier doesn't mean cheaper easier doesn't mean it makes more sense how many hours a week do you work? 40 how many hours a week do you work?

57:1340 meal prep, budget friendly cookbook this is simple you guys live with the f***ing grandparents shut up factor listen and that's good for people out of debt they sponsor us i support them when you're not financially you have 188 000 hours of bad debt 120 000 sorry 122 463 dollars and 14 cents of bad debt your 1800 that went to eating out yeah that pays that off in literally 68 months that pays that off in five and a half years is that great no but that shows that you can at least make progress. How much was your mortgage when you had a mortgage? $1 ,800. Oh! Well, how convenient. And now instead of contributing to an asset that goes up in value, we blow it all on food.

58:05Money from parents. A debt consolidation. So the debt consolidated for you. $15 ,900. $14 ,100 for a car they paid off for him because they only do him, by the way. What a joke. So$30 ,000. And then your minimum monthly payment is, again,$300. So it takes 100 months. Obviously did that math earlier, but even still, even with my math being wrong earlier, because I'm... It still takes almost nine years to pay this off to your parents. How old will they be in nine years? 74? 73 you okay with that and also is that true I don't know their ages but my dad is 30 years older than you so yeah come on guys and then you pay rent to them $675 a week is expensive you could totally rent the house again they sent me places but but that covers utilities too and daycare technically yeah but you don't have to pay grandparents for daycare if they're good grandparents, you know?

59:21Yeah, it's utilities, gas. However, they build you out in every way possible. So yes, you probably should. But you should just probably pay them back for the debt, not pay them for daycare. It gets a little weird. But$35 ,100 a year is substantial. $3 ,000 is essentially a month in rent. That's brutal. Plus the$300 that you pay on the debt to them. That's insane. That's included. Yeah. The$300 a month. What is our plan with the living situation, guys? because, again, it's a bit weird. Are we going to just live there forever? I'd love to move out maybe in like three to five years. Three to five years?

59:57Yeah. I want to build a savings and stop using. I agree what you could have done, but you blow$1 ,800 and just going out to eat alone. And then there's other spending categories. That's not the only one. Miscellaneous bull. Could be video games. It could be whatever. It's just miscellaneous that doesn't contribute. $2 ,300. So now$2 ,300. plus the$1 ,800. What is that? $4 ,100. We owe$122K.

1:00:25That pays off the debt in 29 months. That pays it off in two and a half years. Two and a half years debt-free just by cutting out the miscellaneous bull going out to eat. That doesn't even include the unknown spending, which is$1 ,000. We'll see what that is. It doesn't include your groceries. It was nothing, because what the f***? You don't do anything at all. So it's like, this is a joke. You guys are prioritizing just having fun right now. Yeah, we like to use the excuse for our daughter. They should kick you out. They should kick you out. This is unacceptable behavior. And it's disgusting behavior.

1:00:58You guys are immature and not acting like good parents. I'm sure you love the child and you treat the child with love. But you're not acting like loving parents for the sake of your household. And the future of the household. And the finances of the household. And it's disgusting. Well, here's a credit card. Oh, shocker. Maxed out. Disney rewards. Disney adults, okay? We don't have anything against them? We do when they're in debt.

1:01:29Disney has card, okay. Worth$499.77. With a$40 minimum monthly payment, 15 months to pay off minimum monthly payments without purchases. Oh, we've purchased$682.

1:01:45What the f - Why are we purchasing on a card that we can't fully pay off? That's where we get the discounts When we went to Disneyland F*** your discounts F*** Disney This doesn't make any sense How are we going

1:02:03What is wrong with you guys? What is wrong with you? Discounts at Disney? We weren't discounting at Disney. We DoorDashed Duncan. DoorDashed Duncan. DoorDashed McDonald's. Went to McDonald's. DoorDashedDuncan. DoorDashedPizza. DoorDashedDuncan. DoorDashedDuncan. DoorDashedMcDonald's. DoorDashedDuncan. DoorDashedWendy's. DoorDashedJersieMix. DoorDashedMcDonald's. Etsy. DoorDashedDoubleDash. DoorDashedMcDonald's. DoorDashedDuncan. DoorDashedWendy's. DoorDashedDuncan. Marcy's. DoorDashDuncan, DoorDashDuncan, DoorDashDuncan It is 1, 2, 3, 4 5, 6, 7, 8, 9, 10 11, 12, 13, 14 15, 16, 17, 18, 19, 20 21, 22, 23, 24 24 purchases on this card and now one of them was considered a necessity.

1:02:51They were all in fact completed BOTH And we've had four, we've had three we've had two late feasts this year so far on this card. Ha ha ha ha ha What is wrong with you guys? I didn't know there was late fees You didn't know what you were under in your checking account You know nothing even though you're the one in charge of the finances of the household You guys are children Never have credit cards again You are not credit card people This is what a f***ing joke But didn't I make a big payment on that one? Yeah I did But you immediately spent so it doesn't f***ing matter And guess what y 'all spent it on DoorDash It was$500 of DoorDash $500 of DoorDash I told you I do like$250 a week On Dunkin' $250 a week on Dunkin'?

1:03:38Probably $250 a f***ing week on Dunkin'? How? Doing what? Because it's like$20 each time Getting what? Like coffee and donuts What are you? How often? Every day you're getting donuts Every f***ing day How are you enough? I don't know You will be. Yeah, probably. But I get everyone else breakfast, too. Fuck everyone else. I don't care. You owe them money. Stop buying them donuts that you can't afford. $20 door dashing donuts every single fucking day. Fuck you. Fuck you. Fuck you. Who's everyone else? His parents and my daughter. Okay. No, I work from home. All this and you work from fucking home.

1:04:26You absolute degenerate piece of shit. you kind of are acting like a piece of you owe them money and you buy them donuts and you spend$250 on Dunkin' DoorDash a week a week yeah just Dunkin' Donuts alone well like funneled to debt would pay it off in 122 months yeah you guys are acting seriously like 14 year olds like 14 year old teenagers living at home just because they are enabling and allowing you to stay there. Yes, you're paying rent, but look what they're allowing. And they're giving you money and paying off your debt because you can't figure out anything in this world? You guys are children.

1:05:09You are actually children. Are you not embarrassed? Yeah. Yeah. Then why have you done fucking nothing? Huh? I just don't even know where to begin. Uh, not$250 on Dunkin' every fucking week? Where would you begin? I'd look there as a start. I don't know. It's a mess. That's for sure. Yeah, great response. You've done nothing. You haven't tried to do anything. This is, you're embarrassed that you've done nothing to fix it. Children. We've definitely fallen into a complacency of convenience and comfort. Shut the fuck up. Because of the pregnancy. I would say. Oh, because of the pregnancy three years ago.

1:06:02Three and a half years ago. What an excuse. What a disgusting excuse. What a moronic excuse. What an embarrassing excuse. You want to be attached to that excuse? No, but we also spent worse when before I was pregnant. So it's been not just that. Yeah. Because we used to make more money before I got pregnant. What? How much did you guys make? you make good money now I feel like 175 I think a year oh I'm gonna I'm just gonna take a shit all over this table what the fuck they just they let me in on some lore you went and got a $4 ,000 necklace while you were unemployed in January which is by the way a month where you asked your parents if you could not pay rent what are you dude what the fuck is wrong with you Is he going to conveniently not remember this one?

1:06:58No. He told me he felt spendy. He felt spendy? That's the way he told me. What even is that? I don't remember using that term ever. But I don't. We did on that. We even told Lindsay when he said that. I felt a little spendy. You literally told Lindsay a couple days ago. Yeah? Confirmed? What is wrong with you?

1:07:28when he likes something he's hyper focuses on it i do too but doesn't mean i get it i do if i can't afford it yeah to be fair i think we did have that in our savings it just made it to where we couldn't pay for anything else yeah lindsey told lindsey says she'll she can tell us exactly what he said because you have some conveniently timed amnesia.

1:08:00Okay, so you said that you paid $1 ,800 for it and then you financed the rest. That was her ring. You did say that you were oh, that was the ring? Yeah. Oh yeah, because you also bought her a ring for$3 ,000. What? Is this a ring? Yeah, while unemployed. And asking parents for delayed rent! Uh-huh, yep. And then, so one of the reasons why you bought it is you were sold by the salesperson. You felt a little hustled. They told you that it would have been$12 ,000 and you really were just getting jealous because you kept seeing people wearing them. And Kylie actually wanted to buy you a hundred dollar chain that was gold plated and you went ahead and did this.

1:08:42Now, Kayla, but here's the sentimental part. He spent$4 ,000 on this, but then he had part of it made into a bracelet for their baby that I'm sure she'll grow out of. I'm just, I'm reading you for filth on that. It's already pretty tight on her. It's already tight on her? What the f*** is wrong with you guys? What is wrong with you guys? Making money moves should be simple, and that is why I use Cash App. It's fast, safe, and way easier than other apps. There's no hoops, no hassle, just the tools you need. Cash App makes sending and receiving money stupid easy. I sign up in like two minutes, and I've been using it ever since to split rent, cover dinner, even pay my barber without awkward IOUs.

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1:09:56That's Cash App. You're, this is, oh, this is so embarrassing. Are your parents not embarrassed? Do they ever say they're embarrassed or disappointed or disgusted? Cause they should. No. We don't talk about stuff like that. They don't see it though. When you, cause you asked for delayed rent the moment you spent on that necklace bullsh**? I mean, the conversation was had with me because I had to deliver the news and I don't feel great saying, hey, this is what was spent on the necklace. Did they know about it? Yeah. About the necklace. They know you did it in the same exact month. And? They didn't really say much.

1:10:36Oh, they're equally disgusting because they allow this. They refuse to promote any kind of growth among you guys. They allow that? What is wrong with them? Yeah, you're going to confess all this post-show to them, but I might have to yell at them. 27.2 % interest rate. You're wearing it?

1:11:04Oh my f***. Oh, what are you f***ing Shazam? He likes the flash. He wanted a cross, but I thought that was more him.

1:11:17So I said, get this one instead of the cross. Looks like a middle schooler.

1:11:27You wear it every day at least. I do. It's his money worth. Can't return it, so. I looked at that for my ring that I got. Can you ask his parents if you can return him?

1:11:43they may not want that either. All right, what is this BMO plenum card? Oh, that was the more recent card that I opened when I... Why? To try to boost my credit back up. What the fuck is wrong with you? Just pay off your fucking debt! Well, I'm doing that, but it doesn't... No, you're not. Oh, shut the fuck up. I just looked at one card. You spend$250 a week on Dunkin'. Shut the fuck up. No, you're not. You don't know what you're talking about. What kind of bullshit is that? That is a fucking bullshit. off. What? Off. When did you open this? Come on. Don't bullshit me. I want to say in 2023? Maybe 2024?

1:12:22Okay, so it's not new. Newer. Okay. That's my latest. Alright, we spent$499 on this. Again, it's maxed out. No one's surprised. There's fees going. We have f***ing payment plans. 15 months to pay off minimum payments only without any purchases, but do we always purchase? Yes, we do. Yes, we do. So we owe$476 and 41 cents with a minimum monthly payment of$53 and 55 cents. Okay. Not one considered possibly good purchase. Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon, Amazon. What is wrong with you? Pull up your Amazon for me. Right now, lady. I don't have an Amazon app.

1:13:11So it's you? It's you? She usually sends me the stuff when we need to get stuff off Amazon. Need. Let's see, need. Oh, you Android freaks. He made me switch when I got on his phone. You can be on an Android. I just don't know how to start a screen recording, so you better start it for me. Do you know how to? Nope. I'm not tech. He might, though. I have this one, too. You got it. Potty trading fine. Bucky's 50 count tub. Buckeyes. Oh, that was my Mother's Day gift. You don't need it. Mother's Day gift. Happy Mother's Day. I'm paying off the debt we owe you. I don't sell Buckeyes in Las Vegas. I had to order them.

1:13:55So? I don't... You had more purchases than this. I know for a fact because there's literally more purchases on here than I am seeing. So there's something wrong on here. What the f*** is this? I thought you didn't have the damn app. I don't. It's just on Amazon.com. Oh, my gosh. Slippers definitely don't need that. Nail polish remover, fine. The slippers, I think, were my mom's mother. Payment revision needed, probably because we're maxed out. Yeah, yeah, yeah. Of course. Three-pack short-sleeved shirt. More short-sleeved shirts. Oh, they sent me the wrong one. Pet soft mail. Dog diapers. Old dog.

1:14:30Yeah. That's sad. This is crazy. Spin toy. So many things. Lots of laundry. I'd say it's like 30 % bullshit. The rest of it I'm okay with. But you spend so much on Amazon. You found out that he has multiple Amazon accounts that he's paying for at one time? It wasn't multiple Amazon accounts. It was multiple subscriptions. The one was our yearly one. Why? Because the one was Amazon Video. The one was... For her tablet. Prime comes with everything, yeah? I don't know. Not anymore. I think they like charge for I think you pay one annual payment and I think we pay a monthly one too I pay one annual one and then I do think there's a monthly one I'm not sure what exactly it's for I think it's for video and I think the other one is for just We have interest charging this year fees, you're on a payment plan for this one this is, I don't know guys after pay who's the after payer?

1:15:30Me Screams you These are all mine It's like a very feminine product for some reason. I don't know why. It's just, that's just, why is it women that use Afterpay so much? To be honest, it's out of convenience. Like, if I don't have my card on me, I'll just do it. Have your card on you. Debit only. Because you can't afford a single thing. Pull up your Afterpay. Yeah, you have your card thing on the back. What is wrong with you? Well, he carries our main card. I don't carry it. All right, Afterpay. Here we are. Oh, my gosh. The way this thing just sells you to spend more money immediately. Just right on there.

1:16:07I don't usually log in that either. So I don't really know what it looks like. I don't know how to navigate this. I've never used it before.

1:16:20Okay. Well, this$44 payment, 30 was due in a day. Someone just sent you a video snap. probably our daughter yeah probably our daughter well like it's a video of her from his mom Old Navy Pandora yeah it was for my mom's Mother's Day gift you guys are so weird American Eagle, Crocs, Sheen DSW, Show, Lululemon you can't you're not buying Lulu you're at least getting fabletics until you're out of debt dude Old Navy, Old Navy, T-Moo we're going to T-Moo but we're also going to Lulu. Old Navy Gap. Carters Gap. Carters Gap. Come on, Carters, Carters, Carters, Carters. This is so stupid. Kids grow fast.

1:17:16Who the f*** does this work, man? It's ridiculous. You paid off the balance because it was small, but it's still stupid. Discovery card. Which one? Whose is that? I don't know. It's in collections. That's probably mine. $8 ,602. Oh, that's mine. Past due. Oh, it's yours. What's going on? Is it in collections? Yeah. Well, I make payments. Come on. I make payments on it. You do? I do. Forever? Pretty much. Oh, fuck's sake. Okay, so you owe$8 ,602. What's your minimum monthly? $50. That's a... Fuck me. Is there interest on it? I don't know. If there's not, it still takes 172 months to pay off. That's insane.

1:18:0114 f***ing years. It's going to fall off your collections by then if you didn't touch it. But you did. I literally would have fallen off in half the time. Not that I necessarily even, I mean, I appreciate accountability, but it's still, this is f***ing. Actually, I don't think those are paid. I don't think I pay on that one because when I did that debt, national debt relief thing, they put a power of attorney on it where I can't get it removed unless I like mail them in something this debt yeah I'm sorry I paid 50 on a different sake we don't even so this is just on there and the debt consolidation hasn't done anything this is on for the next five years okay so what is the city card that is 6189 that's the one I pay the 50 so past do okay so it's worth Okay.

1:18:49So, okay. But you do have that on your credit, the$8 ,602. Why are you going into collections and mommy and daddy are paying off his debt? Well, when we sold our house, I used, I think, maybe$25 ,000 of our profit to pay off credit cards because they were higher. That's fucking crazy. And remember, his name is Timothy, but that's fucking crazy. $2 ,493. So what you currently owe on this? It's$50. it's on oh on the record for the next five years let's see

1:19:27it's gonna take ten years to pay off wait did I do that right probably yeah no it takes four years to pay off oh that was the original mask oh what here's another one okay who's the WFBNA they're all mine what is wrong with you why did you go into collections cause I would rather deal with it than have him do it. Why collections? Why not make your payments instead of going into collections, you tit? Well, that's that national debt relief. They, I was under the impression that they were sending the payments and they told us not to. They negotiate with them and then you pay them and then they usually pay off.

1:20:03But they wouldn't negotiate until we had like a balance in our account with them. So that's in the meantime, all of our stuff was going. Did you do anything with that? No, they told us not to. So then I called the company and I was like, this is not what I thought it was. And I closed it. We got the funds back. You closed it. Great. Okay. Yeah. Well, so now it's all. That's so stupid. Yeah. 3 ,589 is out on this one. Are you making payments? I don't think so. Okay. So it's just sitting there. Yeah. Your credit must be. Huh? Yeah. There's another one. This one's on your record until nine years from now.

1:20:37Paid. Oh, wait. Closed. Wait. Joint auto loan paid closed. Never late. Okay. Hold on. Original balance. $57 ,851. This one's done. This is the one that his mom paid off? Yeah. They paid the negative equity. That's insane. They baby you so much. You guys are never going to be independent. You're never going to be able to survive on your own. How could you? You guys don't do anything. You're incapable of doing anything on your own. Really? We did for a little bit. Yeah. I know we... Then what f*** changed? I think the impulse decisions of going down to one income really screwed us over. And why did we stay at one income for so long, guy?

1:21:23Because you were a pushover that did nothing. Yeah. You were lazy. You're going to stay at home, dad. Stay at home, dad. But for an entire year of that, you were living with your parents, which who are retired. So shut the f*** up. It's not a full year. Come on. Shut the f*** up. That's some bulls***, dude. You can use an excuse for a year, but not the second one. It's like eight months. Come on. You're okay with this? I mean, at least he has a job now. Yes, after he was bullied by his parents because he's a child. Yeah. They didn't bully me. Oh, come on, dude.

1:22:05I don't trust you in a workplace at all. You got cease and desist from a previous workplace. They're weak-minded. My one boss yelled at a half-deaf employee that his name was on the building one time. The guy was the nicest guy in the world. Yeah, sounds like the boss may have been a dick. We get that. But for the reasons you claimed that they were wrong was objectively not. I didn't like that I was right. You've never been diagnosed and you never claimed. You never asked for workplace disability of any kind of treatment. You have absolutely nothing. You have no standing. And no offense to them being weak-minded, but clinically I think your mind is the weak one.

1:22:41It gives up on you all the time. And then you forget things. Unfortunately, very true. It's sad. It sucks. But we're being real. Okay. What is this Mojila? It must be my student loans. And never lay deferred. Okay. Well, they're deferred. On some save program or something. Great. Until next year. Huh? Until next year because it's done. Yeah. It's done. They said, no, no, bye-bye. It's coming back. What's your student loans total? $15 ,211. Is that you or is that you guys combined? That's just me. His parents paid off his. His parents paid his? I think so. You're embarrassing. You're embarrassing.

1:23:25You're embarrassing. You wanted to just be with a guy who's never been able to stand up and do anything himself? He can. But he never has.

1:23:39congratulations he busted a nut once and we have a three-year-old that's the one thing he's provided well it's a good good addition it's a good addition that's the one thing he's ever done

1:23:53so what do you have 15 211 dollars in student loans for um i when did i go to school i think 2019 is when i did online school for what what's your degree do you have a degree i don't you You dropped out. I dropped out and it was for a bachelor's in accounting. 40 % of people who have student loans drop out. So they're fitting right in with that statistic. Yeah. I mean, this payment will probably kick in when? When does it say? April of next year. Okay. That's going to come quick. And your payment is probably going to be about, well, with your guys' joint tax returns, did you file jointly? Mm-hmm.

1:24:29That's going to f*** you with this. And it's good for a lot of things, but it's going to f*** you with this. It's probably going to be about$175 a month. Yeah. Almost double what it was when obviously he wasn't working.

1:24:46That's going to suck in April. Uh-oh. Another checking account. Another checking account. At least this one's positive this time, but it's gone down dramatically. It went from$2 ,000 to$305 ,000.

1:25:03I guess in the debt calculations that my team did, They put in the car loan on your credit, even though it said it was paid off. So we're actually crossing that$57 ,000 off of your debt from the$122 ,000 that I named at the beginning. So that's an error on our part. Well, we do have a lease, too. So that might be that debt is. I don't know. I don't think it was that much. What the f*** is your lease? $530 ,000? $530 ,000 a month? Okay, another minimum fee payment. stacking up. What's your car? Honda CRV. And what's the term? 36 months. And what's the year of the car? 2025. So you guys just took this out?

1:25:49Yeah. What is wrong with you guys? We were trying to get out of our old car. Old car that you didn't pay? What are you talking about? What are you talking about? You wanted the car so you could drive to work. Oh yeah. What? I told him to wait because his mom has a car that isn't used. And you could have used your mom's car. And you're like, no, let's go into debt. Well, he can't drive either. So he was under the impression that he'll have the job. Wait a minute. Why the did you get a lease if you can't drive? I could when I started the job. Yeah, but you just got the lease. No, I think you were a week away from when you could drive and then you had another seizure.

1:26:32Now we have a lease of a car we can't use. I use it sometimes. Yeah, but what about this other car that was paid off? Yeah, it's still in our garage. Guys! Guys! What is wrong with you? Why'd you add another f***ing debt? We did need a third car. I think you wanted one. We needed it. Why would you need a third car? One person can drive. There's times where my dad is watching my sister's kids, and so he's got that car over there, and then my mom goes places or she'll take the kids somewhere. And then if we need it. Cool. And that's the rare opportunity where you can just take an Uber. That adds up fast.

1:27:11I did that when my parents were out. Except it's a rare time where you need a third car. Rare. It's actually once. Well, not a third car, but I did have to Uber. It's like once a month. Oh, no, once a month. I'm sorry. Was that a$530 Uber? No. Then fuck you. What are you talking about? You were just trying to justify. you were just feeling spendy and you got a car lease. I guess. This is beyond why. I genuinely feel like we need things like that. Then see a therapist and cope. Because this is insane. You do not need this. If you need an extra car once a month, you can Uber and it is much more cost effective and it's fine.

1:27:56Is it as convenient? No, but I don't give a fuck. You guys are in debt. You live with your parents. You can't do anything. You guys are probably behind on retirement. oh yeah okay you guys are behind on retirement so what the f*** are you talking about need another car f*** you you don't even get to keep the car in the end you'd have to buy it out it's a lease baked it all into the monthly payment

1:28:17ridiculous okay so there is a hidden debt f***ing stupid oh we're DoorDash and Qdoba ATM or Toronto who knows where the f*** $123 Jimmy John's$23 Oh, these Oh, camera Look, look It's all dumb McDonald's, store-dashing, Wendy's We got a third car so that we can get things Delivered to our house I have to get stuff delivered to the office because I can't drive I don't have a car there You can pack a lot, you f*** Oh, I started doing that That's why those aren't from this month This is from the most recent month Then I don't give a fuck about what you did two weeks before coming on the show. Everyone uses that excuse.

1:29:04Everyone, the moment everyone knows they're coming on the show, they're like, I'm going to pack a lunch for a couple weeks. I'm going to look so good. No, you're not. Fuck you. This is what you were doing. DoorDashing Wendy's selling money out. $675. That sounds like your weekly run. ATM on draw. No one knows what that went. $153. DoorDashing Panera. Las Vegas Aviators. Las Vegas. Las Vegas. Las Vegas. Las Vegas. Galleria. Cinnabon. Lululemon. Again,$325. What is wrong with you guys? You guys are broken. You guys are broken. You guys are broken. Box lunch, door dashing McDonald's, door dashing Dairy Queen, door dashing Vons, ATM withdraw, $63, ABC, Disney, oh, Disney, $256, door dashing McDonald's, door dashing Cafe, door dashing Chipotle, ATM withdraw, Hulu, Cinemark's not even a good movie theater, door dashing Panera Bread, They had the Red Guardian helmet popcorn bucket.

1:30:02Yeah, and they also have a shitty movie theater with the audience. They have a very bad movie theater. That's why the audience is a shitty that you're with. And I can't watch a movie with the audience. It was empty theater. They're so rowdy. Well, I couldn't see over the seat, though. Yeah, they have high seats. Yeah, she's like 5 '1". What are you doing? I thought they were normal. Are you shorter than that? How tall are you? I'm 5 '1". How tall are you? 5 '11". You must just be slouching. We have like the same torso. You just have very tiny legs. Yeah. Very curious. Zellie now, there's your weekly round.

1:30:33Door dashing Popeyes, box lunch, door dashing McDonald's, McDonald's, Auntie Anne's, box lunch, Express Las Vegas, and Sanya cookies. You guys are eating now approximately four to five times a day, both of you combined. That sounds accurate. It is insane. It is insane. You should have picked a wealthier man. McDonald's, Auntie Anne's, box lunch, Express Las Vegas, Insomnia Cookies, Man Cave Salon. Haircut.

1:31:03Worked so well. Smith's, Amazon Kids, Amazon. ATM will draw$163. Yardhouse, Build-A-Bear, Auntie Anne's. Freddy's, Sbarro, DoorDashing, Cafe, Amazon DoorDashing, Panda Express, DoorDashing, McDonald's, Auntie Anne's, Auntie Anne's. Lulu District, ATM will draw. First of all, I've never seen someone that goes to this much on Auntie Anne's. And also, they're telling me you spend more on your hair than she does on hers. It's my daughter. She loves pretzels. I don't give a f*** a box of hard pretzels. We did. But when we're out shopping at the mall, she needs something to eat. Stop going to the mall, you dumb f***.

1:31:38You have no need to go to the mall. You have no need to go to the mall. It's her exercise. Mall is all bull**** spending. Yeah. But walking around. Walk inside. At house. I know. And talk about budgeting. Door dashing Popeyes. Mitchell Gara. $102 of overdraft fees this year so far on this checking account. That means that's approximately, I'm going to say that's about five overdrafts. Four to five overdrafts. This year, we're six months in. Actually, four months in at the time of the statement, which means you overdraft every single month. At the time of the statement, we're five months in. You overdraft likely every single month at the time of the statement.

1:32:20You guys live in an embarrassing life and you should be ashamed. And I'm sure we can budget you out of this because the fact is, the fact is, this is all fund spending. This should be actually a pretty easy budget. You can have a cheaper rent. Should be, yeah. All right, your income is$7 ,000. Let me get your debt minimum month, please. I'm including a mortgage because there is none.

1:32:52debt minimally payments alone without an asset to our name order degree$973.55 what's your rent to them monthly? sometimes it varies what's the weekly? $6.75 a week $6.75 we'll at least budget for four a month $2.70 that includes utilities and all that car insurances we pay$160 Gas? Vroom, vroom, drive, drive. Maybe 50 bucks a month. Phone bill. Does parents pay it? We're on a family plan. Child. Should at least pay them. TP, fine. Anything else you guys and your daughter need to survive? Toothbrush, activities, blah, blah, blah. Give you$200 because you guys live with the grandparents. $200. Obviously, daycare would be a bit more, but you don't need that, so you don't have to worry about it.

1:33:44How does the grocery situation work at the house? Basically his parents buy groceries And then they prepare dinner Fuck you I'm going to give you a hundred bucks just to get snacks Fuck you guys This is the most ridiculous thing ever What is the medical expenses Co-pays anything How much a month I'd say probably three hundred You need gyms that's expensive Any gym That he doesn't use I'll keep it Use it Subscriptions I'll give you I can probably fit in 50 bucks because you guys are doing nothing so 50 bucks you decide where it goes Pets you have a dog One's unhealthy and old What are the ages and health of the other two?

1:34:25Seven and five Age or health? Good health? Pet insurance on either of them? No We'll put in 70 bucks for pet insurance Get pet insurance that will save you guys a lot of money Just get proper pet insurance There's a lot of shitty ones out there So just hop around Pet food how much on a monthly basis? Uh, like 50 bucks. You guys pay for that or the grandparents? We pay for it. Okay, 50 bucks. This is going to be so f***ing easy, I have a feeling. Guys bring in$7 ,000 a month and what you need to survive is$4 ,679.55. You guys are going to piss me the f*** off. So you have an extra$2 ,320 left over.

1:35:03I'll give you$320 for fun.

1:35:08$320.45 for fun. That's a f***ing stupid. So 2 ,000 hours left on a monthly basis. It's still going to take a while, but your debt is different because we put it in that car. You have to figure out how to give up the lease when you're done. You don't need a third car.

1:35:25Or sell the other car that you have, stick with the lease, and then buy it out at the end or get a new car. She had a headhunter reach out to her recently for an office job, so you might need that car. Well, that's fine. But either way, we have a few years to figure that out. Student loans were a minimum payment until it is paid off. Same with the chargebacks. Not freaking out about that. So the bad debt that we're focusing on paying off is the$30 ,000 to our parents. The credit cards is about$1 ,000. Student loans we're going to let sit. Chartered office we're going to let sit. And that car loan doesn't exist.

1:35:57So$31 ,000 is what we need to focus on paying off. $2 ,000 a month takes 15 months. This is the easiest world. Takes 13 months. Boom. Fully funded emergency fund. About, let's call it, one year and three quarters. keep your minimum payments on the collections let the other ones fall off minimum payments on student loans or those kick in and figure out what you need with the car by the end but this is so easy and you guys can move on and live your life you're just acting like children and I'm honestly really disgusted and it's really disappointing and you should be embarrassed and disgusted like I am what a f***ing joke I'm going to give them their Hammer Financial Score but make sure you guys come to the post show and remember Hammer Elite is free for this month all you have to do is submit proof of purchase at hammerelite.com and we'll reimburse you with a digital gift card so join us in the post we're going to call their parents and we're going to have a heart to heart confront that spending in a budget you guys overspend so 0 out of 10 you have collections 0 out of 10 nothing to your name 0 out of 10 retirement nothing to your name I didn't see retirement I have like$500 in my 401k 0 out of 10 real estate you guys went from what was likely like a 3 to a 5 hammer financial score maybe even higher to a literal 0 because you guys are only going reverse in life and it's disgusting and you should be ashamed.

1:37:12This is so moronic. Join us in the post show, guys. I'll see you there. Link in the description below. Amber Financial Score is zero. You had shared with me that you're an authorized user on your parents' credit card and that you spend on it and then they pay it off. Yeah. You f***ing. Why are you okay with this? Hey, call your mother. So they owe you guys$30 ,000. No, it's more than that, actually. They're exclusive members' content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content.