He's Hiding Everything From Her | Financial Audit

24:30But, dude, I mean, I grew up in a house full of credit card debt. It's not good. Makes it hard to pay for college. Makes it hard to pay for bills. You see the stress. You see the conversations. You want your kid to see the blowups that happen when all the, because you just bottle it in both. You just bottle it in. You don't do any action. You don't do any conversations until it completely just blows up. You don't give a fuck. Your kid's going to see that and grow up with that. That's what you want. So, no, that's why you change shit while she's pregnant. I think the root of the problem is I don't know it.

24:56I don't see it and I don't know it because we don't have a joint account. Why? We honestly, we just haven't gone to it. We're together, but we're not together. Together, financially. Oh, that's nice to hear when you have a kid. Not our relationship, the finances. Like, his money is mine and mine is too lazy. Okay, you say you just haven't gotten to it. Is that what you say as well? Yes. Too lazy? Why does your guys' future not matter where laziness is more important? I don't have an answer to that. It's been good. I mean, we've been getting better. You suck with money, so you download a budgeting app.

25:27You start with the classic one, Wynab, but everyone just deletes it because it's way too complicated to use. So you go to EveryDollar. That's Dave Ramsey, the personal finance guy, right? Well, they're going to force you to use it his way. That's not very personal finances. Rocket Money, they got a lot of commercials, but they're owned by Rocket Mortgage. Guess what they want to sell you in the end? Then there's the new guy on the block, Monarch. Hundreds of millions of dollars of private equity raising so far. But private equity doesn't have the best track record when it comes to private data.

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26:39Who would have thought? That's incredible. Check it out. Link in the description below. Sign up for Chime. Get that$350 right now in your checking account. What do you mean getting better? Listen, applying here, you told one of our producers that this was your best month of finances. You gave us the best month and it's literally horrendously disgusting in every way whatsoever. We know how much money comes in. It is good money. How much money went out this month? What was your outflow? Inflow is good as usual with you guys. You have a good income. Your income is not your issue. That's for sure.

27:12What was your outflow? This doesn't even include, by the way, the garnishments that you face, but What do we think? For this month? For January? The best month? You sent us what was considered the best month. You first. Which I think was... Well, I don't know. I do have a problem where I don't track anything. That was a question. What do you think? In business, the best days are when priorities stay on track. For midsize and large companies, that means managing multiple exposures, from property and liability to cyber and more. The Hartford helps companies plan for risk with insurance and proactive risk solutions.

27:50So focus can stay where it belongs. Prepare for risk. Protect success. Smart risk management from The Hartford. Contact your agent or visit thehartford.com slash risk mitigation. Just based on your experience, your lived experience that month, which was last month, it looks like, honestly. This bill is everything. Everything, all out flow. Come on. I don't know, probably a couple grand. Two grand? No, more than that. I was about to say. Two grand is our mortgage. Then why'd you say a couple grand? That's two grand. No. A couple could be more than two. We make$8 ,000 together. So what do you think went out?

28:28We definitely didn't spend our full paychecks. I'd say it's about 60 % of what we brought in we probably put out. Where would the rest go? I have a savings account.

28:40Uh-huh. So I put a lot of mine in my savings account. To answer your question, I'll say$9 ,000. Yeah, not enough for your household, but. Yeah. Okay, yeah, it was, let's see, I had it. $19 ,987.95. $19 ,000? We spent in one month? See, this is my problem. I don't look. What you consider to be your best month. The total income that happened, because Bo made literally four times what he says he makes, was$12 ,985 is what came in. Maybe it was an extra paycheck month bonus. No, that was because I just came off of working an outage. So I made like, I think I made 12. Yeah, it's overtime. Okay, well, you made basically$13 ,000, but you still spent$20 ,000.

29:27How the hell do we do that? Part of that was paying. I put like$5 ,000 to a credit card. Oh, yeah, that aggravates me so bad. Yeah, but net wouldn't be counted towards it if that wasn't immediately replenished. Yeah. Then I don't know. I'm actually shocked that we spent$19 ,000 in a month. Oh, I wasn't. It's not just full spend. It's outflow across the board, but. Yeah, I don't know. I think I just, I pick my battles and we will argue, but then he says something to aggravate me. And then I say I'm done with the conversation and it moves on. But if this is considered a good month, what the is the rest of the months, guys?

30:06You told our producers this was a good month. It was, but part of that was because I did have a lot of inflow. So that's my concern with you guys is you only think about the income side. You do not think about anything after the income. Joint, no, we don't even think about that. Savings, no, it's just on your side a little. She actually pays. She actually does get a little bit of savings. I know, but not enough for the entire household with what your guys' expenses are. You guys stop at the income. That's it. You just look at the number that comes in, and that's it. You don't care about what goes out after that.

30:38As long as the money that comes in is good, it doesn't matter what happens. Yeah. That's where people end up in situations that are worse than just being low-incomeers. Everything's paid, so. Not necessarily. What do you mean? You're getting garnished, asshole. You don't get garnished if everything's paid. Then why would money be going to debt before it hits your account? That's garnishment. Because it's through the credit union that I work for. So they just take it straight out of my check. Okay, well, we'll also see because anytime anyone says we pay our bills, there's always like a late fee somewhere in here.

31:14There might be a late fee. And we'll see. Then why would you say you pay your f***ing shit, dude? Late isn't not paying. Buddy, I'm literally being told you overdraft your checking account by like a thousand bucks a month. Not this time, but I have in the past. That was last year. Not last year. Last year? No, not last year. That was right before we sold the house. You overdrafted by$1 ,000? One month. I'm so over being on the dark side. Oh, Lindsay's telling me he actually hid that from you. I guess he found this out. Okay, so Lindsay had a conversation with you guys, and then she had a call the other night with him.

31:49He was blabbering, blabbering, sharing all these secrets. She only learned at the end that he was probably drunk, just blabbering things that he doesn't even know what he's talking about. He hid this from you. I was pretty toasted. He hid this from you. You didn't even know. No, I wasn't home. No, you didn't even know that he literally was hiding all this overdrafts from you right before marriage. I was. Yeah, I didn't know any of that. I didn't want to. And look at this. It seems like you honestly don't even give a f***. This is my concern. I think you guys are just not going to care to the grave.

32:18You'll just be in debt forever. Neither of you care. It all ended up working out. Oh, she just learned you were drunk once you ended up here. You told her. Yeah, we were in the green room. Why? Why are you just plastered blabbering to Lindsay? The truth, I was about to go to a poker night. Poker night? Dude, your entire life revolves around gambling and maybe now even drinking. Dude, it was 4 p.m., Lindsay's telling me. You can't drink when you want to. Pretty soon we're going to be coming in this country. It was. The poker game was for five. No, he was. Why were you plastered at four? Because I was doing work outside and my partner came over and we were.

32:52What? We were drinking and playing with electricity. What came over? Partner. What is this? His friend. Partner. His friend. His friend came over to help him run electrical from the house to the shop. And they hung out all day. I left with the baby. So let's get drunk playing with wires? That's the America I know. Yes. Yes. With electricity? Yes. Drunk? Yeah. What's better than this? Guys being dudes. Surrounded by water? Yeah. It was actually raining on us. You know you have a child, right? It was raining on him. I wasn't watching the child. So then that led into said. No, I want you to be alive for your child.

33:32That's all good. Electricity ain't never hurt anybody. Yeah, historically. That's known to be true. No, so him and his friend. We're not in India. Him and his friend. His friend decided to say, let's throw a poker night at him. Smart enough to say, I can't do that at my house. Do it at your house because my wife will kill me. So they go to his house. I'm so ready to start hosting at the house again. Then he called me. I called him to ask him to please change the laundry. That's all I needed out of him. and then he started with, I could hear it in his voice. I did change the laundry. You did, you did.

34:02I could hear it in his voice that he'd been drinking and I was like, you're like already sloshy slosh. And then. At four is wild. And he's like, I'm going to go to poker and I asked him not to go to poker. So you get drunk at four every day. What day of the week? Saturday. Okay, well, that is the best day. You haven't been drunk at four on Saturday? Y 'all live right next to Texas. How'd you get there? Huh? Huh? Next to Texas? What? UT, I should say. You ain't never tailgated at UT? I didn't go to UT. You still never went out there? Oh, never mind. You're from Michigan. I'll take that back. I've been to a couple UT games, but I'm also not a drinker.

34:37I'm a wealth builder, an entrepreneur. All right, I got nothing for that one. Okay, but, well, I just don't like the taste, if I'm being completely honest. But how'd you get to the house then after being sloshed at 4 p.m. on a Saturday? Listen, actually, if you were tailgating, that is when I would excuse it. But you were just literally playing with wires in the rain on water. Well, I drove the side-by-side, trespassing through the trails to get to my partner's house. Why do you say it like a... That's just what we say. Who? Everyone. The five people that live in the swamp? Yeah. You take the side-by-side.

35:14You just talk like a human? I could have said the P-Rogg through the bayou to your partner's house. What are you saying? A canoe. And you said the swamp people are only like on TV. You guys are those people. You just don't know it. I'm sorry. This is too normal to you. You drunk drove? You have a kid. Yeah, but this is through the trees. Isn't that even more dangerous? There's trees everywhere. I go slow. This was an argument when he got home. Hey, guess what? You don't give a shit about anything. You get upset once. You never put your foot down, and you have no spine. I'm not trying to blame you on the mistakes of his, but when have you ever advocated for yourself in any way?

35:48Past just an exact moment. If it's something serious, she will put her foot down. You never hold anyone accountable. You're going to let this child walk all over you, especially when he's a teenager. I do say that. Well, yeah, because she does it with you, her adult teenager. This kid, he's going to do something wrong. You're going to be like, I don't like that. And then nothing else matters. I'll be the disciplinarian. What? No, you're going to get him drunk at five. No, well, maybe a little. And you're not going to do anything about it. Let's be honest, that is the state of this household. A lot of what comes out of his mouth is just utter shit.

36:24And I don't believe it. Great. So why don't you do anything on your not believing? No, because he just says shit just to get a rise. He pokes buttons. You gotta say the most outlandish things. That way when you say small things, it's not as serious. What? Give me an example. Okay, so you drunk drove. What did you say? Actually, no, she was mad at me when I got home, so she didn't really say anything to me. You put your life at risk while she was... No, he told me to be home by 11. Because we had a flight to come here. Oh, that's right. Oh, that flight was horrible. No kid. Yeah, he was hungover all day yesterday.

36:57You know what? Sucks to suck. When he told me he was going to poker, I told him no. I said, do not go to poker. But the problem is he makes up his mind. It's weird to say no like you are his parents. That's a bit odd. But also just be a responsible person and don't just get f***ed up. Go to poker. Don't get f***ed up. Have a couple sips. That's not possible. No, the problem is when he has poker with his friends at somebody's house, it lasts until 3 in the morning because they play like three different games. They don't just play poker. They go and they get smashed and stay out until 3 in the morning.

37:29And then all of them, all the little husbands, all go back to their wives at 3 in the morning, and we're all pissed about it. But then they just continue to do it. So, yeah, I guess we enable it. Well, that would be weird if you're against your husband having friends and hanging out with his friends. I'm not saying that. But I get it. If you have a big day the next day, just don't drink and go home a little early. And that's what he said. Well, that wasn't the plan. I'll be home early. The plan wasn't to get smashed, but something happened. He said, I'll be home early. So you drunk drove home as well?

37:58Yeah, at 1 a.m. Through the trees. What do you say through the trees like that is good? Well, because I only hurt myself, I won't hurt other people. You are a father. It's not cute when you're a dad, dude. That's true. He going to drive me in the future. That's a bit away. That's what I used to do to my dad. Yeah, but it's a bit away. He was just born. Do you remember or were you too drunk? Honest? No, honestly, I was driving my dad home when I was like seven Okay, that's still seven years away for you to kill yourself It'll be alright It'll be six weeks It'll be alright See, that's the other thing, it'll be alright It's always alright It'll be alright, it'll buff out But that's not how this works if you don't put any action into actually making it alright Nothing just happens Well, I did There's consequences for actions I did, we stopped doing poker every weekend And now we're gonna switch to once a month No, again, I'm not even against you having fun with your friends.

38:52But it's like, you're right. She's right. If you were traveling the next day and you had to do all this stuff and no one's against the having poker and fun with your friends. I'm not advocating for that. You would be kind of a horrible wife if you were against that. But you're not because, well, maybe, I don't know. But I'm against drunk driving. I don't think that is being a nagging. On the street? Yeah, that'd be horrible. Drunk driving anywhere that puts your life at risk, asshole. That's true. But everything was fine. That time. That time. I do digress. I probably shouldn't have did that before flying out here.

39:28But, well, we were playing with electricity and drinking. And somebody said you a bitch. Why are you even playing with electricity? What even is that? You just play with some wires. And maybe somebody gets shocked. Maybe somebody doesn't. But what are you doing with playing with wires? What's the desired outcome? Oh, we were going to light up the shop. And everything was going to be fine. You've just blown all your money, guys. Miscellaneous bullshit alone was$3 ,000. This is miscellaneous bullshit. It could be a video game. It could be a boat. It could be. It doesn't matter. Other large purchases, hard to know if they're necessities or bullshit, was$8 ,000.

40:03That's practically your household income on a normal month. And that was only 40 % of your spending. Was your normal household income was only 40 % of your spending last month. And it's the good month. and that's the good month like what are we doing what are we doing 600 hours going out to eat on top of it all thousands upon thousands upon thousands upon thousands of hours of bullshit I never want to hear that people don't do well in this country or people are struggling you're right people are right that the house of housing has gone up but other than that outside of that guys it's just spending on bullshit that's all it is and you guys are a prime example The better people do, the worse they are in this country because they just spend twice what they earn extra.

40:52That's been my problem. I have seen. Yeah, you've paid off debt before. And two years ago, three years ago, he got a golden coin from God, whatever the f*** that is. He sold his house. Oh, is that what that is? He had a gold coin from God. He sold his house, made$50 ,000, used$40 ,000 to pay off all debt. And now we're back into$439 ,000,$529 ,000 a debt. Oh, it's because of the house. 439 ,000. Yeah, it's part of the house. Yeah, 282 ,000 of that is the house. The rest of it is not house. Half of it is house of the$439 ,529.38. Half is the house. You guys are hundreds of thousands of dollars into bad debt.

41:36What is wrong with you? You're not struggling. You're not struggling. Guys want to know something? The middle class is shrinking in this country. Did you know that? But you know what else is shrinking? The lower class as well. The upper class is completely blowing up. Well, we're trying to get to that. You guys are there. You guys are doing well. And that's inflation adjusted, by the way. That is the class that is growing, is the higher income earners. Middle class and low class are both shrinking. Low class faster than middle class. You guys are doing incredible. yet hundreds of thousands of dollars in bad, unnecessary debt that is just stupid for fun.

42:15You guys have... It's not the system. It's not anything. It's you guys. It's your choice. Well, that's why we're here. Median household income in your area is$53 ,729. You make$200. And you guys are worse off than someone making$30 ,000. I'm not arguing that point. I know. It's nothing to argue against. You guys have broken it. You guys have broken this relationship and marriage and neither of you are willing to have a backbone. You against yourself and you against him. What are we doing? And your conversations make no sense. And blow-ups here and there after bottling it up, it's nothing, it's not productive.

42:51And you hold each other accountable in no way whatsoever through the blow-ups. What do we think the household financial score is? Zero to 10, zero being the worst, 10 being the best. We're on, we're down. I'd say two. I'm actually shocked you said that much. I would say it's a three. If you want to see where you stand in the world of finances, take the assessment at CalebHammer.com. It is free, and it just takes a few minutes. You can see where you suck, where you need to do better, how you need to do better, and where you're already doing pretty good. Again, that is CalebHammer.com. Link below.

43:24It is free. And if you don't want to be like a guest who ends up in the show, make sure you download the DownloadWise budgeting app. It is the budgeting app of the future. It is made by people like you for people like you instead of those private equity funds like Monarch and bullshit like that where they just collect your information. Trust me, this is the best budgeting app. New features being added every single month. Start a free trial at DollarWise.app. Link in the description below. Most people take the annual version once they actually sign up and they use it and they decide they like it because it saves you 50%.

43:50And only through the end of March, I will personally sign my budget-friendly cookbook of what you guys need to use after this, most likely, and mail it directly to you. Check that out, DollarWise.app, CalebHaber.com. All that is linked in the description below. We've got to get in these documents because this is going to take for fun. Ever. She's going to need that cookbook. I'm the one that does all the cooking in the house. You can't cook twice. Yeah. What the fuck do you do? I actually cook a lot. Oh, no, you work in community. That's right. Okay. Sorry. I forgot. She don't want to learn how to cook.

44:22It's not just that. Are you okay with being the cook? I'm okay with it. Well, there we go. It doesn't matter then, does it? Every now and again, I'd like to not cook. My girlfriend cooks, but she doesn't want me to cook, and I don't want to cook. So who cares? I just do the dishes. Is that okay? Do you care? It's gay with me. You don't do the dishes? You do clean the kitchen. What do you do around the house? Now you take care of the kid, but before that. Every other inch of the house she takes care of. I'll give her that. Okay. And she takes care of her second child, me. Good. Every other inch of that as well.

44:51Yeah. No, the kitchen is his area. He cooks it. He destroys it. He cleans it. Okay. When he doesn't clean it well enough. Hey, if you're both okay with it, it doesn't matter. It's up to the couple. But yeah, everything else. I will literally take care of everything else. Okay. I'm not complaining. So, Discover It. What's going on with this card? Which one? Whose card is that? Oh, I don't know because we blacked out real names. Who has a$10 ,410.80 balance? This is you. After going completely debt-free a few years ago, you now have a$10 ,000 credit card with Discover It. What is wrong with you, Bo?

45:27What are you doing? I don't know. That's more just steady growing. that's steady growing. Why? Why aren't you doing anything, especially in preparation for Kid? Because Kid was either just born or right before born at the time of this statement. Well, I usually like to pay more than my minimum, and I'd... Let's see. Is that true? Okay, he paid a couple dollars more than his minimum, and then he purchased on it, completely negating the entire thing while interest was accruing.

45:58Okay. So what the f*** are we talking about, dude? I mean, sometimes my debit card don't work, so I just add a little bit more to the credit card. Then why would your debit card work, Bo? Because it's a piece of crap. Why would that be a thing? Because it's a piece of crap, and it breaks all the time. That's why? Not because you're overdrafting? Not because you're being a piece of shit that doesn't have money and can't control his spending to save his life? Every now and again, it's that, but... I would think it's that more than your credit card, debit card breaks. It does break a lot, though.

46:26I have to get a new... Why is it breaking? What's he doing? Because he's swiping it too much. Yeah, what the fuck is wrong with you? What are you doing? What are you spending on here, huh? What are you getting? On Discover, it's probably a lot of vending machine. Vending machine? Why? What are you even getting at the vending machine, dude? Cokes, energy drinks. Nas. Stop. Stop. Listen. But this is good. Lindsey gave it to me. It is. That's Gamersupps. Listen. Here it is. You get free samples. They got goonie names. Well, listen. They are literally incredible tasting. Everyone in the comments agrees.

47:00These are free samples. so you guys can get free samples. Code Caleb at their website. Link in the description below. The fact is, once you order the flavor that you like, it's 40 cents a serving. You just make your energy drink at home in one of these. I need a stop, though. That's it. No, that's fine. Well, there's the hydration version without energy as well, and you can do half and half for low energy. But instead of five bucks, four bucks in energy drink, 40 cents. Just like making your coffee at home, dude. You've got to be smart about this. And you honestly shouldn't even have to worry about the at home versus not.

47:28That's not just for people on a budget. It actually does taste good. But it's like, you shouldn't even have to worry about whether or not it's 40 cents a serving or$4. Because you make good money, but you f***ed it all. I need to stop it in general. My doctor just told me I'm f***ing. Yeah, but. Because I take Adderall too. Oh, so your heart's going like fluttering. Yeah, I got a pain in my chest and she. Well, yeah, if you're taking Adderall and chugging energy drinks, what the f*** you think's going on, dude? Yeah, they did an EKG on me the other day. Yeah, Adderall's like the f***ing top end.

47:57They said I had the best heart on the face of the earth, so we're good. Then why would they say stop drinking energy drinks? I don't know. Well, she said I was stupid for doing it, but then they measured my heart and they were like, your heart's fine. Hey, Ashley, how long do you think this takes for him to pay off his card if he only does minimum monthly payment, which is probably all that can be afforded, and if he doesn't purchase? How long it'll take to pay that off? It'll be over a year. Yes, it would be over a year. Five years. In fact, your child will be 29 years old. Five years. It's like a car.

48:3129. I just said 29. Yeah, you said 29. Your child will be 29 years old. At$200 a month? You guys will be turning 60. In fact, a year before this is paid off, you guys will actually be able to pull from your tax-advantaged retirement accounts. That's how old you guys will be. And this will just be getting paid off if no purchases are made. And we know purchases are made. Hundreds accruing in interest. Oh, my goodness, it is. It really is. Five-star breakfast. Energy drink. energy drink energy drink energy drink energy drink energy drink energy drink Amazon energy drink energy drink what the f*** dude what the f*** that's insane at least buy in bulk instead of these purchases for two bucks a pop again 40 cents a serving for gamer subs but either way at least buy in bulk if you need the f***ing can

49:25Costco Sam's Club that's too far from us we live way out in the bayou well stop Live in civilization with the rest of us where there's things that make your life better. Dude, what the f*** is this? A thousand bucks charged an interest last year. A thousand bucks. Gone. Was that much? It was that much of a vending machine. Yes, it was. Absolutely. You better believe it. I didn't know that. Well, now you do and you just f*** it up because you don't care. Why not look at your accounts? You would know that if you looked at your accounts. Why don't you look at your accounts? The first time I looked at the accounts was when I was putting them into the show.

50:02And then that's when I realized. So why? I want to know why in your brain, why have you never actually just taken a second to just look? Because the money always comes in. For now. You've never lived through a real recession. You had a COVID blip, but that was it. You've never had a real recession. I think during the Biden administration, there was technically two quarters of GDP decline. But immediately, the third quarter had GDP growth. So it was like the little briefest micro recession ever. People always need power. Yes, but nuclear is the controversial one for stupid reasons, but it's still controversial.

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51:53$20 after a year. Cool, that's almost enough to buy an oil change in 2008. But with Chime's high yield savings account, you earn up to 3 % APY. That is around$150 on the same 5 ,000. I use it to stash my emergency fund because I want my money growing, not collecting dust, and if something hits the fan, I can still access it instantly. No lockups, no penalties, no secret handshake required. It just takes a few minutes to sign up and there are no monthly fees or minimum balance nonsense. So you keep more of your money, which last time I checked was kind of the whole point of saving. And Chime makes saving easy.

52:28You can set up automatic savings tools like rounding up purchases to the nearest dollar or sending the difference into savings. Or split your paycheck and set a portion straight to the high yield savings account every payday. And if that's not enough, you can get up to a$350 bonus when you open a new Chime checking account exclusively through my link. So just head to Chime.com forward slash Caleb Hammer or scan the QR code on screen or click the link in the description below to start saving smarter today. Let's get back to the show. Yeah, but I can leave nuclear today and still make a shit ton of money.

52:57Yes, potentially, potentially. But you could lose half your household income. That is correct. That part could happen. You're a little more job secure, not completely recession-proof, recession-resistant. It could be like tech where 40 % gets lost in a year. Yes. It could be. It could be. Most of that was due to overhiring, but also a little bit of AI. And I can always make more money with overtime and outages and stuff like that. Not always. That confidence, that hubris. It'll f*** you. The saying always, confident 100%. I'm sure. Yes, most likely, sure. Which I hate working overtime. But it is not perfect 100 % no matter what.

53:38You never know what's going to happen to you. What happens if you break your leg, dude? What happens if you be like, f***? Yeah. What happens if you fall into the bayou, get your leg ripped off by an alligator? You never know what's going to happen. You're not going to be able to do that electrician job very well. I still have my hands. We're good. Yeah, until you lose a hand. Running through the trees. Happened in Happy Gilmore. From Poker Lake. It could happen in real life. That was Chubbs. All right, get your references right. It's true. All right, Bo, what's going on with Cabela's? Same thing.

54:05Same exact thing. Why do you have no control? That's a very good question. Why do you not care? Why do you not care about your wife and kid? I care. And their financial future. Their financial future, specifically. I know you love them, but why do you not care about their financial future? I do care about their financial future. That's why we're going to get all this straightened out. Don't flip the page. You're just saying it's going to happen. It's just like, well, that makes no sense. That is what people say on the show when they try to get out of any kind of pushback about the reality of the situation.

54:33They just say, it's going to be good. In what indication? It's only getting worse. It's only going downhill. And when people continue this trend, they lose their house. They lose their cars. They lose everything. They lose their family. they lose their marriage. That is not just a wild fantasy. That happens every single day. High income earners, low income earners, middle income earners. That is a reality. It does happen. But I'm a lot more secure than a lot of people. Job wise. Again, recession resistant, not proof. But it doesn't even matter. This isn't just about you. Half the income that pays for these bills are her.

55:09And she is in the most recession not proof at all. We'll always figure it out. Oh my God, see? There's the cope. It's like, that's not an answer. People have had that same answer. We'll always figure it out. But they are losing their house today. They're losing their marriage today. They're struggling to put food on the table or pay the electricity bill today. And they always said, I'll figure it out. We'll figure it out. We've always figured it out. You've barely lived life. We're 30. We're not that young, guys. We're not that old. We're not that old. And we have not lived through a real recession.

55:41You don't know what it's like. I got nothing. And you shouldn't. you just need to get your shit together you literally put only 200 life lock how can i help the irs said i filed my return but i haven't one in four tax-paying americans has paid the price of identity fraud what do i do my refund though i'm freaking out don't worry i can fix this life lock fixes identity theft guaranteed and gets your money back with up to three million dollars in coverage i'm so relieved no problem i'll be with you every step of the way one in was a fraud-paying American. Not anymore. Save up to 40 % your first year.

56:19Visit lifelock.com slash podcast. Terms apply. $10 to this card where the minimum fee payment is$148, which you spent$643.81. You probably have no idea where this even went towards, did you? Nothing. Don't flip the page. Well, why would I not flip the page? Dude, you had$40 of fees. I'm guessing that's about to be a late fee, asshole. And then$92.97 of interest. 21 years to pay off 21 Your kid will be legally drinking Is this Apple bills? Apple bills Okay Pull up your phone Pull up your phone Let me see your subscriptions That is where They're past two feet Give me Give me now What you wanna see?

57:01Give me your phone Oh I know how to navigate the world of iPhone Starting a screen recording Blacking out your name Is that you? It's his mom. Oh. Yeah, I'm still under my mom's account for the phone. Did you have every subscription known to... I did cancel a bunch. Hold on. Tinder's on there. It's not. Why do you have Tinder Premium? I realized that whenever I applied to the show. Yeah? I was paying... Oh, yeah. No, there was like at least seven things that I had been paying the last three years for that I had to cancel. I canceled a lot of things. A Tinder premium while being married while wife was pregnant.

57:45Got to stick it in something, huh? Hey, don't worry. What we do on Sundays is our business. Sunday's dedicated day? Oh, damn. Maybe. You called it out. I don't know. Who knows? We're confident that there has been no infidelity in this entire relationship. Very confident. Yeah. Well, I don't know about her. She might. Who knows? He didn't even have the app. He was just paying for it. Uh-huh. Didn't have the app. I don't know. What's your skeleton? It's so easy to delete an app. Are you kidding me? No. Don't look at me like that. It's your phone, your subscription, and your app. What if we redownloaded it right now and he logged in with his Apple ID?

58:28What's the most recent message we'd see? Probably 2019. Interesting. So there's financial infidelity in every moment of our life. we don't think there'd be real sexual infidelity? Well, there is definitely a lot of financial infidelity. Yeah, I mean, you guys hide things behind each other. Well, mostly you hide things behind our back, like permanent. It's almost like a hobby of yours. Well, you got to do some infidelity, so that's why we do the financial ones. Well, that must be good to hear. Yeah. Can't be perfect. Along with GPS tracker, GPS tracker, two of the same subscriptions. I told you I deleted a bunch of shit.

59:05That's the other thing. I think we pay for multiple. live HBO three of the Hunt app three of the same app I told you I canceled a bunch of stuff no those aren't even canceled oh I've been paying that for years they're not even expiring they're not even set to cancellation oh go ahead and cancel it photo vault calculator that's my radar that's my beautiful wife dude what are we doing what that tinder doesn't send red flags in the back of your head no because we've talked about it before. Huh? We've talked about it. What do you mean you've talked about it? When I applied to the show and I said, Hey, this is when it was going to come up.

59:46Yeah. Through the subscriptions when we... Yeah, when you knew it was going to come up on a show. We talked about everything because we... I didn't even know how to get to my subscription. So when I applied, there was a lot of things that I was like, shit. And we're relying on you to not allow a nuclear leak to happen? Radiation leak? that makes me feel great. I'm actually one of the most one of the more important people to make sure that doesn't happen. What did you get on CalebHammer.com? For, what do you mean? For the score? No, what did you get? You purchased. Oh, dollar-wise? Okay, you guys get it for free, obviously, going forward.

1:00:22So we'll make sure to refund that. That's part of why I can appreciate that. I downloaded dollar-wise and I was like, this is ridiculous and I applied to the show. Yeah, yeah, yeah. So it showed you your shit for the first time? and you're like... But that was the thing. I was going to plug stuff in and I was like, this is horrible. Alleyes.app. It's incredible. Okay, so here's the photo vault that you're paying for. Oh. Oh, can I say that, Lindsay? What you typed? Oh, Brandon typed it. First of all, that's weird. But Brandon typed, I used that app to hide old nudes when I was in a relationship for real, for real.

1:01:02Not me. No, he said that. Oh, he said that. Yeah. Bat and Tinder? She's seen the vault. The vault is me. Oh. What's wrong with the hidden folders then? Because people can get to that. Hidden folders? It requires your face. I don't know how to do all that. It's a hidden folder. What, like through the camera? We're relying on you for no radiation leak. I don't do tech. Are we sure there's not a radiation leak just flowing through Louisiana, and this is why everyone says fuck. It's probably going all to my brain, and that's why. Yes, that's what I'm saying, dude. So people used to hide nudes and Tinder at the same time.

1:01:44Well, he goes on four bachelor parties, five bachelor parties last year and blows$10 ,000. Guarantee a stripper sucked his dick. Guaranteed. No way not. They weren't my bachelor parties. And we're doing that tomorrow? Actually, one was my bachelor party. Mark. Very excited. Where are y 'all going? Strip club. Nice. Here? Yes. Y 'all don't want to get out? Huh? Y 'all don't want to get out? It's just like a casual Friday night. We're just getting Mark a laugh. I thought you were going on a bachelor trip. No, Mark just needs to see some titties. He just never, he doesn't get that. I actually have a bachelor trip next month too.

1:02:19Of course you do. So you don't think anything has happened on these trips? 10 ,000 hours? 10 ,000 hours on strippers and booze? I also went on like five bachelorette trips last year. Yeah, but you are not the untrustworthy one here, lady. Okay, first of all, this person's hot. Can we just talk about that? What do I got? Well, she's a... Okay, her first picture's really hot. The next pictures are pretty okay. 2019. 10-7-2019. When did you all meet? When did we meet? I don't know. Is this how he... This is why no one responded. This is five people in a row. Hey there, darling. That is how he speaks.

1:02:57That's what got her. and none of them responded Sadie did give you a hey went alright I didn't use it that much Sadie's not it I understand why you didn't respond oh okay yeah well okay yeah it was after that we didn't get together until 2020 you know pass the test okay good to go pass the test oh you know okay nice good well done I appreciate that I appreciate that I'm just stupid and I've paid for it for the last... I agree. That's why you had a past do fee on Cabela's that last month. And you've had three last year in 2025. And paying for Tinder for the last seven years without being on it.

1:03:38Yeah, that's... Three late fees on his Cabela card last year in 2025. That's because he refuses to do like an auto draft. Like I... What I do is my... You also refuse to hold him accountable or call out anything. I'd love to keep all of this whenever we leave here because... Yeah, I mean... To me, this is my problem that I will own up, that I don't mother him. I don't micromanage him. You don't need to mother him being a nagging bitch. I don't look at anything. You just need to hold each other accountable and have conversations and look through your finances together and combine your accounts like adults.

1:04:11Yes, that's correct. No one's asking for you to mother him. That'll probably push him further away and make him even worse. Correct. But I probably deserve it, so. What am I seeing? What am I even seeing here? What is this? This is a mess. Yeah, I didn't really like the way it pulled stuff up. Just what is it? That's a personal loan. Why do you have a personal loan? So this is you again, Bo? Yeah, this is me. Why do you have a personal loan? To buy two trucks. Two? So we were going to remodel the house, and so I couldn't make any big purchases at the time. Oh, for fuck's sake. So I didn't want to buy a$70 ,000 truck, and then it kind of screwed the loan process for the house.

1:04:56Give the fuck about what you want to do regardless. I needed a truck and mine blew up. Did you need two? Why have one good truck when you're going to have two okay ones? And actually one's a classic truck. It's nice. I love it. Yeah. Yeah, you don't give a fuck. Okay. Well, that's as clear as day. So you got two trucks on this? One shit, one's nice. So you got two trucks at 11.24 % interest. That part's probably not. That's horrendous. And your minimum of the payment is$247.31. 94 payments left. 94. Yeah, that was like a few months ago. That's insanity. I didn't want to buy a truck. 94 payments is insanity.

1:05:40I didn't want to buy a truck until now, but the other one blew up. So that's what happened. Literally eight years. Eight years. When did you get this? August. So a nine-year loan. You took out a nine-year personal loan for two trucks. What the f*** are we doing? I didn't think it was nine years. You're pressuring him to get a new truck right now? No. Why is Lindsay teaching? Well, yeah, it was. Okay, what's this? What? Because she doesn't. I didn't want him to buy the two shitty trucks. I wanted him to buy a new truck and just bite the bullet. Why do you need? Why? Why does it matter what kind of truck it is?

1:06:14It doesn't matter what kind of truck it is. Then why are you doing this? Because the truck he bought was a piece of garbage that fell apart in Arkansas while he was up there. Why are you in Arkansas, you weirdo? I was working an outage. That's why the income was a lot better. He bought a truck that barely moves down the street. So thus, he bought the classic antique whatever the shit it is truck so that he could have two because they both semi-run. Yeah, and this nice truck is worth$3 ,385. No, that was the shitty one. That's a little beater. oh you talking about Kelly Blue Book value yeah cause Kelly Blue Book just sees um a truck with 300 ,000 wait which one is that that's the GMC okay the GMC is the shit truck okay the other one that's like 4 to 10 depending yeah but cause it's range we don't have an exact pull on it it's a classic they actually sell for if I put 5 ,000 in the interior it's a 50 ,000 truck don't don't don't you don't know what you're doing though I could sell it right now for probably about 15 16 ,000 Pay off your debt.

1:07:14Take care of your child, asshole. Then I just have a shitty truck. Good. That left me on three wheels in Arkansas. Well, your fault, your problem. You chose to purchase it, and now you have a nine-year loan on it. I didn't know I had a nine-year loan. Freak, what are you doing? My credit union handled all that. They just said this is going to be the best one for you, so I went with that loan. They said this would be the best one. It'll be paid off. As in they're making money off of you. I'm probably going to pay it off in like three years. Sales. So what's the state of the shit truck? Can we use it?

1:07:47Yeah, we use it. That's my back and forth to work truck. So you fixed it? Yeah, I fixed it. Will it last? How long will it last? That's debatable. That's highly debatable. How long is your commute? Oh, 10 minutes. It's nothing. Okay. And if it goes to shit, then I have the other truck. I have a loan on here with T. Rowe Price. That's a 401k loan. Why do you have a 401k loan, asshole? I'm assuming it's you. Yeah, that's me. Why? Why would you even need this? You make so much money, dick. That was to remodel the house, which she wanted. Oh, why a 401k loan? Okay. Because we didn't have - Let's not even think you're going to get laid off.

1:08:31If you choose to leave this job, that money becomes due. I didn't know that until I was watching this show. That and your money's just not growing in the market. And markets are at all times highs right now. You've lost that. I didn't pull out of my 401k. No, but it's not growing. That money's not growing invested. You're only getting what you paid to yourself towards it, which is not even close comparable to in terms of return. I'm paying myself back at 8 % and the market's like 7%. What are you talking about? Market's like 7 % every year. What are you talking about? No, it's not. What are you talking about the market?

1:09:08When did you take this out? August. Okay, since August. Oh, the market did take a big jump recently. Okay, yeah, since August, it's up 10%. Since August alone, okay? That is just since August. Year over year, it's up 15%. So, f*** you. You don't know what you're talking about. Plus, it's risky because it becomes due. Oh, there's two? Wait. Two what?

1:09:40Oh, there's another one, I think, right? Not another 401k loan. Oh, the last loan that we just had. You took it out in August, September when she was pregnant. Just taking out loans? Yeah, she knew about it. Why can't you cash flow this? You guys make money. Because I didn't have the cash. Yeah, but you could. Save for a couple months and you could if you weren't just absolutely horrendous with your money. You totally could. That's a great question. No, we should have. Oh my goodness, you have no behavior. You have no responsibility, no behavior. But the two trucks are nice. Well, one truck's nice.

1:10:16And what is this? Is this the next page of it? Oh, it's$301 a month, and obviously that gets taken out before it hits your account. Debt to Beau's parents$10 ,000? What? Why? When? How? F*** you. So that was the down payment to take out, to buy a lot that we did end up using and now selling. By the way, you realize I have only written down bow debt so far. I knew that when we applied. After you were literally debt free three years ago, asshole. And I have a wife and kids here. You're like, let me get up. Okay,$10 ,000. What are you thinking you're going to sell this land for? So when, oh, for that, that's probably going to be sold for$95 ,000.

1:10:59You bought it for$10 ,000? Bought it for$99 ,000. Huh? Oh, no, that was the down. $10 ,000 was a down payment. Oh, what's your equity position in this lot? Even. So after fees and everything, you might lose. I might lose. Probably lose. Might lose just a little bit. You're using a realtor and shit like that? Yes. Okay, so there's 6%. Yeah. And then transaction fees and whatnot, closing fees, all that good stuff. Mostly on the buyer, but still some on yours. Yeah. Oh, for f***s sake, what was the purchase price of the lot? 99. And you're selling it for 99? I'd have it up for sale for$99. You're going to lose money.

1:11:37Me. Me and my entire life. Type in the address.

1:11:44I know it's a keyboard. It's scary. I know it is, and I don't remember the address, but... Well, there's a lot that you own. Are you guys near it? Yeah. Yeah, five minutes away. $1.80. Why are you selling? Why did you get it? Because we were going to... We bought it before we bought the house. Michael. Yeah, so we were going to build a house there. so what actually happened was it was a childhood there was a childhood friend's house that I've been on for like the last I don't know maybe like 10 years or whatever and they finally because they said when all their kids graduated they would sell the house and I wanted to get it from them but like the last kid graduated and they were like eh we don't think we're going to sell anymore so and this is part of the impulsivity thing by the way the fact that a lot of land near you guys is only$100 ,000.

1:12:30It just shows how much no one wants to live there. It's a good bit of land. But anyway. For$100 ,000. No, it's not. But anyway, so. The market says no. So, a week after she said we weren't going to sell, then I bought that lot and then three weeks later they said, oh, we're going to sell. Price cut$7 ,000. It's$92. You have it listed for$92 right now. You bought it for$99? Oh, I did text Grant to drop it. He doesn't even know. Did you even know? Yeah, I knew that it came down. What are you doing? You're going to write a check to close this. Yeah. No. Yes, you are going to have to write a check at the end when you sell this.

1:13:08I only owe 75 on it right now. Okay. Then you'll break even with that, but you still owe 10 to your parents. Yeah. So whenever I have a minimum payment to them. No. Okay. You're not going to have money to give to them once it's sold. Well, if I sell it, what the even is this lot of land? It's a little grass patch in between two houses. What is this lot of land? When you say a lot of land, you're thinking like an actual like land. This is a couple blades of grass in between two houses. With like, did someone start building a house and they stopped? No, it got destroyed. There's posts. Huh? It just destroyed Darnida.

1:13:44Hurricane. Oh my goodness. Yeah, exactly. Why would anyone want to live there? Guys, what are you doing? Why do you live in this place? Type in your address. Do you know your own address? Here, yeah. I trust you. You probably. I didn't. Should I? You're probably not going to be able to see it on that because there was a bunch of shoes on it. Oh, Lindsay has the link. I'll take it. It never went on the market. I'll take it. I'll take it. I'll take it. I'll take it. Lindsay got the link. There you are. I can show you the house. Listen, if you're getting destroyed in hurricanes and all the lots around you are like a couple hundred thousand dollars, it's like, what are we even doing?

1:14:14What are we doing? Loving life. Living life. Apparently, not next time the hurricane happens. You guys got lucky this last year. This is for y 'all's main house, right? Yeah. This is what you remodeled? I mean, no, it's great. We just redid the bathroom. That's it so far. We plan on redoing the whole thing. It really is a hurricane house, isn't it? Everything's like... It's raised, yeah. You can actually see it on there? Yeah. Oh, okay. Yeah, it's a raised house on Pylons. It has a built-in apartment downstairs. What am I looking for? You screwed my whole phone up. Why? Why are you guys doing this?

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1:17:01Click below to download DownloadWise and see if this helps you feel more in control without the stress. And if it's not a fit, cancel any time. What are you looking for? I was looking for the albums. Guys. There we go. Just like... Guys. I thought maybe... I was expecting something nice. I mean, no, no, it's fine. I was just expecting something like on the water. The water is behind it. We're trying to buy the land behind us and we'll get to the water. Stop with this land. You guys aren't land. You don't know land. Stop. Look what you just did. You're about to lose money on this land. Well, as long as I get the down payment back from my parents, I'm fine.

1:17:42What? Back? But you're not. Objectively, no. If it sells for$92 and only was$75. Yeah, you already did a price cut, by the way. A substantial percentage price cut, which is not a good look, meaning they're going to wait for more, most likely. You kind of f*** that up. No, I'm going to stop it right there because I don't have to sell it. Well, then you're really going to f*** it up. And someone's going to lowball you seeing how big a percent you just took off first. Like, I would have done it by 500 at a time. But even still, I mean, I know how responsible. Are you sure you're even going to pay them back with the money?

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1:18:45I love the bar. Congratulations. She didn't get her wedding. No, she got a wedding? Yeah. The dream wedding? Yeah. It was actually perfect. I loved every portion of our wedding. Yeah, but you expected something else that he took and went to the man cave. Come on. No. No, the man cave is what made our groomsman picture so much better. No, what actually I guess I could say is that seemed to be his only priority when we moved in the house and we bought the house to renovate it. That was the only reason I agreed to buy the house. Everyone wants a man cave. It's fun. I love it. I'm not saying don't, but come on.

1:19:16if it was meant to be allocated to the wedding. That's very selfish. Everything seems very selfish of you, Guy. That wasn't supposed to be allocated to the wedding. That's what I built downstairs. It's cool. I'm not saying it's bad. It is very cool. Just like I'm not saying

1:19:35you shouldn't do poker. I'm not saying that. It's about priorities. Drunk driving is bad. That is not bad. It's actually very cool. I would enjoy that myself. Feel free to come by. I'll have an alligator on a leash waiting for you. I'll tape his mouth. You'll be all right. Tape? Tape. I'm trusting tape for my life? Yeah. For for sake. I'm sorry. You're backing this? I agreed. No, but I'm not worried about alligators. What I am worried about is. I'd be worried about hurricanes, honestly. Okay, who's to discover it? Oh, we had another one. This means we're finally to you. Yeah, but let's stay on Bo for a second because I have one more thing for you.

1:20:11Okay, we've been on Bo for an hour 21, but yeah, tell me. Bo's fine. Because we started talking about the land, which makes me remember of his most recent purchase of the hunting property that he just purchased. So if you want to keep talking about blades of grass. Without your knowledge? No, no. I was in the loop, but. Did you stand up and say no? It was, hey, there's this cool piece of property we. It was just another impulse buy. Why are you just buying land? Dude, it's not a toy. How much did you buy hunting land for? Whatever the f*** that even means. $12 ,000. That was part of that. How much land did you get to hunt on for$12 ,000?

1:20:49Well, it's not. I'm not hunting on the land. It's to get started. We're right next to the big public property right there. It's the biggest deer in the state. Huh? Biggest what? I bought land that borders the very large piece of hunting property. Public property. But can you hunt on yours? No, it's just. I mean, deer will walk on it, but I'm not hunting on it. Well, what is the point of this? It's a base of operations to go hunt from. Put a camp on. Why can't you just drive there? How far is it? Because it's four hours away. Why the f*** did you even get that? How often are you going to do that?

1:21:18Every weekend. He does go up there a lot. You abandon your child. Yes. A new mother. She's a brand new mother, and you abandon every weekend to go hunt? No, the little crotch goblin's going to come with me. Has he so far? No. Then what the f*** are you talking about? He was just born. He was just born, which is when you should be home the most. Actually, I tried to bring him in the boat not too long ago, and she told me I couldn't. fair with you drunk it's about time he starts learning to drive it so we're good he'll be alright no he hasn't hunted since the baby was born because he had to stop hunting before he hasn't hunted since because I told him because I had to be there should it even be because your wife told you because you want to be with your kid I did ask her a bunch of times if I could go and it's okay to go I'm not against but every weekend crazy with a new mother She can come?

1:22:10A new mother and a newborn in a four-hour drive? Well, that's why I stopped. Away from civilization if they need emergency diapers or something? What the f*** are we talking about? He sits in trees. I'm not climbing a tree. You are a bayou man. Absolutely. Through and through. Go Tigers. Okay. Is LSU in the bayou? An hour away. There you go. Did you go to LSU? Yeah, I did. Okay. I didn't graduate, but I did my four years. I didn't graduate either. I get it. And I did my five. I'm worse than you. Okay, so discover what's going on. Yeah, that's mine. By the way, wait, where'd you get the$12 ,000 to buy this?

1:22:45That was part of that 401k loan. Kill me. Yeah. Discover it. What are you doing? My discover was like my first credit card ever. Great. Why does it have$4 ,084 on it? Because I put some of the renovation on it and the couch. Renovation on a credit card? A 30 % interest rate credit card? What are we doing? You're supposed to be the good one. It was a tub. No, it was - Tub? Tub? Oh, I did. We're tubbing at 30 %? Yeah. F*** you, tub. I'm getting a brand new tub for my brand new house, and it's nice. I'm paying in cash, assholes. It's a very nice tub. Good. It is a very nice tub. Guarantee mine's nicer.

1:23:17In cash! I don't think so. So it doesn't f***ing matter. Yeah, I did. You want to f***ing see? What? This tub? Your tub? I want to see it. Yeah. Love a good tub. We're f***ing jerking off tubs on each other right now? All right. Let me find it. Let me find mine. I actually hate your voice because I watch you when I'm in the shower, and she can hear it echoing. You're jerking off in the shower to my voice? Absolutely. Nice. Thank you. Ready? Mm-hmm. Wait. You show me, I show you? No, I'm going to, the address. It feels illicit. It feels illicit. Three, two, one. You. Oh, mine is superior. Yours is baked into the shower.

1:23:56Talk about poverty bathroom. Shower and tub at the same time. Do you have poverty? You have a shower tub at the same time, but. No, I don't. They're just next to each other. Look, it's a whole individual shower. That is nice. A whole individual shower. Are you kidding me? What are we doing here? And we have two shower heads. Do you have two shower heads? Yes, including side jets in the shower. Wow. Yeah. There's one for my butthole, and there's one for my legs. Okay, you have the superior. And for the body. You have the superior bathroom, but not the superior tub. I'll dial that down. What are you talking about?

1:24:24This is a two-person lean side-by-side next to each other tub. So is this. Okay, I'll accept it. How deep is it? Yeah, I was about to ask you that. How deep is it? I don't know the metric. Ours is two. We go 28 inches deep. So why the f*** are you spending$2 ,698 on here? Because it's awesome. In one month. That's insane. Yeah, I did do a lot of purchases on that card that month. I'm so glad we're on you now. 16 years to pay this off for furniture. $2 ,000 couch? Yeah. It was on sale. Black Friday. Oh, that's my pet peeve with her. If it's on sale, it's free. Basically. No. That doesn't make sense.

1:25:02you're accruing interest. You're both the problem. You're both the problem. Amazon, Spotify, Metamucil, Amazon, Netflix, Amazon, Amazon, Hulu, Canva, and Roku. I use this credit card for all of my online purchases. So it's like my subscription. So it's attached to everything. I rarely swipe it in person. Show me your Amazon. Hold it up. So here's the thing with my Amazon. My entire family is on it. Why do so many people do that? It's so hard. I hate that too. That's stupid. So like what you see on here is not me, all of me. Give. Here. I'm just letting you know, my dad has a problem with Amazon.

1:25:44You have a problem. I do. I do have a problem with Amazon. You can't, for the life of you, manage credit cards. Neither of you. Get the Fizz card. Close these cards because you're not even looking for debt anyway. So what the fuck are we doing? I'm telling you. Lots of baby supplies. Yeah. Not all. I'm telling you. Barkweed water. I've heard you, woman. I know, but my dad is crazy. You're right. I wouldn't tell her things either. If this is how she acts the moment we have a conversation. You already said that 10 times. Love you. Just stop. Okay. Endless phone cases. That was my brother. Cotton's women breathable.

1:26:19Please don't tell me that's your brother. No. Okay. Or your dad. Lots of shirts. Hunting tripod. That was my brother, actually. And is that him? My brother. Okay. He has his own Amazon account. Yeah, it's a shit ton of bullshit. I'm not going to wade through what's yours and what's theirs. There's like five people on this account. And I'll also get your kid, I guess, because you guys have good jobs, a course career certification. So your kid can grow up nice and smart. She wants to leave her job. Oh, you do? I mean. Oh, I'll get you. What do you want? What do I want? What do you want to do? That's a loaded question.

1:26:57I want to make money. I'll get you a course career certification. A lot of people use it to change careers and make a lot more money out there in the audience. I just, the only reason I would ever leave my company is. What is this? I don't know. You sent it. Who sent it? Oh, that's my, um, my visa. Okay. What's going on with this? My venture one is, uh, is like through my capital one and I just use it like a regular credit card. Normally gas, groceries. That's the one that I swipe. Um, I had recently paid it off. So that's why it's so low. $279.85 recently. It's still there. And you're spending on it.

1:27:35You're spending on it. $279. I can't even see the spending because, like, what the fuck are you doing? I don't know. That was me and my port technology. Here we go. So this is the primary house. Yes. And you're both on it? No, just me. Just you. Isn't that weird? No. I know you cut its foot. We weren't married at the time. But you're on the title. No. No. We did it before we were married because she was eligible for first-time home buyer, and I had already used mine up. So she got a way better interest rate than what we'd have got together. What's the way better interest rate? 5.875. I mean, it's fine for today.

1:28:12If we'd have did it together, it would have been 7.9. Yeah. $282 ,342.28. The minimum monthly payment,$2 ,262.47. We want to refinance, too. Why? Because the interest rates are lower right now. 2 % lower? I don't think so. 1%. You're not going to get... Well, you don't refinance for 1 % lower. You refinance for 2 % lower. Or more. Or more. Not less. And I don't think you're getting a rate for 3.875. No, I thought the going thing... The market would be going crazy if so. I thought the going thing was 1 % is when... Well, they want to make money. 2 % so you can make money. and we want to get PMI off of it too well that's fair but again still not worth it until you can at least get I wouldn't worry about that it's at an egregious rate anyway what's this?

1:29:05I don't even know what this is at 8 % guys you send documents so weird I can't even sort through this shit that's the lot oh for f***s sake the stupid ass lot at an 8 % lot f*** you lot yeah that's a balloon note when I bought it it was a 5.6 % no Oh, what is wrong with you? No one's even done that in this show. What is that? You're the first. Variable rate. I'd probably sound stupid if I tried to describe it. Okay, listen. Oh, my gosh. Yeah, when I bought it, it was a 5.6 % rate. It's a chunky minimum fee payment at that balance of$829.62 a month. That's why you want to get rid of it, probably.

1:29:49Well, that and the high interest rate of 8%. That just went up because it was a$710 payment. So when they redid the balloon note.

1:30:02$75 ,665.37. Capital One. Do I have this Capital One? Have we already looked at the Capital One that is under this credit report? Because you guys just can't send statements to save your life somehow. Under the credit. No, that's it. I sent all PDFs. That was the Capital One you already looked at. It is? So since your last report is gone, I've de-doubled it. That's wonderful. It's not all your debt. Oh, no. Okay. Medical bill. $1 ,600 for something with you and then$120 for the baby. I just gave birth. Well, yeah,$120, but something$1 ,600 before that, right? So me and the child are separate. So my medical bill is for giving birth.

1:30:43Have you gotten on a minimum monthly payment? Have you tried to dispute with insurance? We just got that. Yeah, it just came through. What's your plan now? It's pending insurance. Actually, we talked about it. Once we get the final statement, I was paying it outright or the hospital that I - No, no, you can minimum bill, or sorry, you can get on a payment plan. They're usually pretty generous, medical-wise. The medical one that I can sign up for has, it's just I pay monthly and there's no interest, no nothing. So it's just a matter of fact of paying it off at this point. But my insurance is still settling his bills because we had separate - So that's the debt.

1:31:19Whose checking account is this? With$1 ,565.84. That was probably... Payroll from oil. Oh, wait. No, that's not payroll. POS payment oil. Fuck. That's yours. For gas. That's mine. Okay, so you got that. At least not negative, this one. Yeah, there's AT &T payments and fees. Going to Subway out of all places. It's like literally the worst sandwich. It's delicious. It is not delicious. They have one of the better cookies, but it is the worst sandwich. The cookies are. Jimmy John's is better. Jersey Mike's is better. We don't have that. What the fuck is wrong with you guys? We live in the bayou. But you have a subway.

1:31:58And a gas station. It's even worse. Guys, live in civilization. What is wrong with you? Amazon. That's why we're forced to cook more. Good. Fan duel. 200 for fan duel. Oh, yeah, that is his car. Oh, stop. What are you doing, asshole? I make money. And actually that one... $5 ,000 net over six years. And that could go away just like that. And also if we conclude it with your... If we add the conceitals with it and your gambling that you do with your friends is probably negative. Actually that$200 was because a dude at work wanted to hide it from his wife so he sent me the money to bet it for him.

1:32:40What the f*** is wrong with you guys? We're degenerates. We bet on anything and everything at work. That's not healthy. They bet on the birthday of our child. Yeah, they did bet on the birthday. Why don't you bet on giving your child a better future, higher chance of success, more fan duo, 100 bucks. The person that won that gave her half of the money. El Paso, not actually there, but it's a restaurant called El Paso Mexican Grill. Delicious. It's the only Mexican. No, we have multiple. Yeah. It's the most popular Mexican restaurant in our town. It's the only one. Town of like 10 people. They have live music.

1:33:11You went in the gas station, got some bullshit. ATM transaction fee, ATM taking out. Who knows where that went? Probably the Strip Club. FanDuel, 300 bucks. FanDuel, 50 bucks. FanDuel, 50 bucks. Amazon.

1:33:30SPCpaddict? I don't even know. $63. Waffle House. McDonald's getting some bullshit. The Waffle House was because a friend lost at Fantasy Football. What? He did the Waffle House challenge. Oh, shut the f*** up. Bullshit. Honeydew Cafe. Potential bullshit. Frank's Supermarket. Yeah, but potential bullshit because it's like$9. That's groceries. Yeah, but who knows? You may have gone and got some f***ing snacks for$9. Well, we don't ever do the big shopping trips. And Frank's is like five minutes away. So whenever we eat at night. What about Walmart the same day for$6? Same day. You were looking for something.

1:34:09Exactly. That's probably the gas station at Walmart. I have a feeling some bullshit. And Venmoing on 190 probably lost a bet. Some bullshit. DoorDash. Small town, but big enough for DoorDash. For$100, DoorDash. Fuck you. Your savings,$100. Down from$105. What a hero. What a king. Okay. Your checking account,$2 ,000 on it. But still a lot of bullshit. Chick-fil-A, Apple Bill, Smoothie King, Coffee, Hobby Lobby. $158 for Hobby Lobby. Chick-fil-A, going into some bullshit or groceries. Smoothie King, Copeland's in New Orleans. Benway and out$300. Benway and out$193. Are you betting? Bamboo Garden, Hollywood Team Nails, Apple Bill, Apple Bill, Smoothie King.

1:34:57Apple Bill, Apple Bill, Apple Bill, Apple Bill. What are you doing? Pull out your phone. Pull out your phone. Give me your phone. We're going to say Tinder. Give me your phone. No, I don't have Tinder.

1:35:07Savings in here,$9 ,000. That is actually good, but it actually started with$10 ,200. You had to take$1 ,200 out. Why did you have to take$1 ,200 out? Because you guys are spending more than you made. Did it have$1 ,200 go in? No. It started with$10 ,200. It ended with$9 ,000. Oh, oh. She went to the strip club. Did you? No. But there was an incident. I don't know if you're talking about it. There was an incident. Cycle, tracking, Gmail, iCloud, and Snapchat Plus. Plus? That's because they told me you're going to delete my memories. Then you must have been doing some Apple Play. Yeah. I also had to upgrade my storage.

1:35:45Listen, household income$7 ,800. Let me get your debt minimums of payments and not mortgage. The mortgage comes out of my savings sometimes, so that's probably weird. Why? It's a payment. Minimum monthly payment. It's not a savings-related... That doesn't make sense. We alternate paying the mortgage. What do you mean? Between each other? Yeah. What the fuck is with you guys? That's not budgeting. Okay, go through our Master Your Money program. It's where you got the debt class, the budgeting class, the investing class, the real estate class. You need that one. It'll teach you guys how to actually budget as a couple and do all that stuff.

1:36:21It's incredible. Enjoying the community. That's part of the Master Your Money program as well. Hold each other accountable and educate each other. But you guys don't know what the fuck you're doing. Not at all. Alternating mortgage? What a joke. Debt minimum monthly payments not mortgage$1 ,740.93. Mortgage$2 ,262.47. What's our gas, electric, internet all combined? I wrote this all down. What even internet speeds do you get out there? Gas, 300. All combined. Electric, water, and internet's together. So 250, 350, 450, 440. And then internet? Well, that was internet too. Oh, so 440 for utilities, good.

1:37:09Gas, vroom, vroom, drive, drive. 300. For both of you combined? Oh, when you said gas, I thought you would. Vroom, vroom, drive, drive. Okay, that was the gas, 300. I know, driving gas, how much? Yes, 300. No. Oh, gas for the house is how much? Yeah, I put that all, we don't have gas. So 440. How much is your utilities for the house on a monthly basis, including internet? 440. Okay, and then gas is 300. Yes. Okay. Yeah, I guess the both of us. Car insurances? 360. Eee. Phone bill? 150. That's not bad for two people. Okay. Necessary food should be able to do 600. It's on the nipple, right? The child?

1:37:52Yep. Good. 600 for food, meal prepping, warming things up. It's chill. It's easy. It's simple. You already got the Walmart there. You're fine. Yeah, we don't meal prep. We cook a lot, we just don't meal for them. Anything else you need to survive,$250. A little more for the kid with the diapers,$250. Medical health care, there are co-pays on a monthly basis. Medication, therapies, any of that kind of stuff. Usually about$100. Cool. Is there a gym? Yes,$50. Good. You said there's a dog. There's one. We have two dogs. Okay,$100 pet insurance. And how much for pet food? $50. Anything else that needs to be, oh, subscriptions, I'll do$50.

1:38:31Anything else that needs to be in this budget needs to be before I add any room for fun. What am I missing? I don't. I think he got it all. I think we're good. I don't have a car note. He doesn't have a car note. I know, but we have expensive as Dick's car insurance. Yeah. Grass maintenance. How much is that? I don't know. I take care of my own grass, but. Oh, okay. Oh, it's like a golf course. he decided to plow the entire backyard and lay down Bermuda and it was$5 ,000 $6 ,000 you guys you guys are actually you have$1 ,000 left over listen you have no room for fund money no room for Bermuda no room for all that bullshit listen all your debt combined without the mortgage is still crazy and I hope you sell this lot so I'll wipe out the not the$10 ,000 in parent because you won't be able to pay that off but the lot, let's wipe off that$75 ,665.37.

1:39:31I wouldn't wipe it off. I don't think it's going to sell anytime soon right now. Nobody wants to buy land right now. Okay, well, let me remove the mortgage and put back the lot. So$151 ,187 ,000 of debt we have to pay off.

1:39:53It's fucking crazy, guys. I thought, I mean, it's simple math It takes 157 months Like, what are we doing? That is 13 years It's unacceptable Bankruptcy is better And I don't think we want to go through bankruptcy necessarily What's clear is you need to work overtime up the dick And bring in an extra 2 ,000 hours a month Put it all towards it And you need to work more hours Or get a second job once you can go back to work I don't know what the living situation for the kids Is going to be like at that point But the fact is you guys can't have... Paying off this debt, it's either bankruptcy or literally working double hours or getting two times raises.

1:40:32What other options are there? I mean, letting everything go to collections and potentially getting sued. I'll have three different outages that I'll be able to go to this year. Well, how do you know? Because we're already scheduled for it. The outages are scheduled? Yeah, they're scheduled years in advance. Oh, so, okay, it's not like a... No. Okay, I understand. Because once you're qualified to work at one nuclear site, you're qualified for all of them. That's not what I thought you meant when you said outages. I thought it was like an emergency. No, it's like a maintenance outage. That does not count in emergencies that I might get called for.

1:41:04Okay, well, that's good. But that's a minimum requirement. Listen, if you bring in as much money as you brought in last month, like we can start chipping away at this debt, but 13 years is unacceptable. The kids shouldn't have to go through that. Well, hopefully the lot sells and then that gets wiped out. If the lot sells, that moves the needle. lot quicker. That probably pays it off, what, in seven years? And then work more on. So if you can pay this off in four years, I'll accept that. But that's with no funds. Everything feels a bit uncertain right now. A few months ago, you never would have expected eggs being factored into your monthly budget.

1:41:37New sources of stress equal more opportunities for breakouts to strike. Luckily, Mighty Patch Original shrinks the look of pimples in just one use. We'd say that's a pretty good deal. Shop Mighty Patch at all major retailers. And that's hard to maintain, especially the lifestyle you guys are used to. This is going to be major sacrifices. It's going to be potential bankruptcy. You guys have fucked yourselves. But you need to combine your accounts. You need to hold each other accountable. You are not spending money anymore on fun. You've had your fun. Now it's time to pay for it. It's all been a debt now.

1:42:07It's time to actually grow up and pay for it. You need a budget. Go through our education. Hold each other accountable on a monthly basis. And work your asses off. And go make as much money as possible and throw it all towards the debt. That's it. That's what we're doing.

1:42:27Listen, we got some topics for the post shows. They're already planning a trip to go on. I'm going to have to convince them to out of the country. I'm going to have to convince them to not do that shit. It's going to be stupid. Okay. So join the financial audit. Hammer Elite. Join us for the post. Let's get the Hammer Financial Score. spending a budget you guys ever spend debt it's there's no collections which is good but that's really bad it's a one out of ten emergency fund ten thousand which you guys would need not including debt would be about five thousand a month times that by six yeah okay about a three out of ten emergency fund retirement but it's going down so that's scary retirement you have a bit of retirement, but half of it's $50 ,000.

1:43:21Yeah, half of it's tied up in the 401k loan. And you? I don't see retirement. You're a retirement? I have a 401k. How much? I have about $20 ,000 in there right now. Oh, okay. So you have like 50 net. 50 net for what you guys make at $30 ,000. You should be at$200 ,000. Household retirement. Okay. I'll say 3 out of 10 being generous. Real estate. Listen, a lot of things. I don't know how much equity you have in your house. $40 ,000. Hopefully. Okay, I'll give you guys a 6 out of 10 real estate. And then you put another weird lot of that. It's weird. Okay, Hammer Financial Score. Get yours to CalebHammer.com.

1:43:56You guys are a 3 out of 10. The real estate's carrying you, and the 10 ,000 new estate is carrying you. Now click that join button. Three premium shows posted every single day, Monday through Saturday, and come join us for an extra 20 minutes in the Financial Auto Post show. See you guys there. He was planning on potentially going to one of the card houses while he was here because he knew there were card houses and he could go play poker. You're not just focusing on your fucking wife, dude. You're going to gamble well in Austin at a card house? Focus on your fucking wife, dude. What is wrong with you?

1:44:21When I told her, I have wagered over the fucking shit. And that's Justin FanDuel. That's not counting DraftKings and all that other stuff. He's allowed to fuck his own life. Right. You're allowing him to fuck your life. Correct. Now you have a kid in the mix. That kid didn't ask to be here. At this point, all of these arguments have already been had, and I'm at a point where I've hit a wall with him. Don't forget to download the new DollarWise budgeting app. This is officially now the best budgeting app on the market, and I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out, and then you get the monthly plan at a 33 % discount for the first three months, or the annual plan at an insane 50 % discount.

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