He’s so f*cked (I secretly brought in his wife) | Financial Audit

25:09I mean, it's a critical piece of a conversation. To be able to communicate what is happening financially with your partner, if you guys want to be together forever. And I'm glad you came to us with this. I'm glad you came to us with this. And honestly, pretty damn good idea that you and the producer said. I'll be honest. I mean, what did you think of what you heard? Because this guy literally just purchased a brand new TV. I assume you heard that, correct? No, yeah. I was in the other room. Okay. So I, he was already being shady. I found like bags from Boot Barn in the closet with receipts. Actually, I think the shirt that he's wearing.

25:54He was hiding it. Yes. In the closet. What the fuck is wrong with you? This is like an addiction. So, and you had him apply for the show, right? I applied for him. Exactly. It's one little game she played. Okay. Respect. Respect. It was over probably like$100 in just shirts from Boot Barn. He calls them Purlies. How has this been happening in your mind from your viewing of this throughout your relationship When did you first start seeing this? How has it looked? What do you think? You called him a man child in the application. Oh, okay. Buddy. Yeah, I'd be cope laughing too. Definitely. That's why.

26:36Okay. I want to go back to the question I just asked, but why the are you getting on a mortgage with this guy that is consistently lied and you keep finding out and then you just learned about a new purchase literally right now because he cannot stop that you requested to go on a financial audit of what you called him a man child in the application of whom you also sent to counseling why are you getting on a mortgage with him unmarried so getting or going towards the end of our apartment lease um everything was getting better like i told him hey you need to watch your spending and he did for a little while hide better he may have hit it better Because you don't have access to a separate account, right?

27:18So I only have access to our joint account. So we have my checking. He has his checking. But you tell me, be honest, right now, in the couple months that you were doing better, how much extra precaution was put aside for hidden purchases? I would say at the very least. This is it. This is fucking now. I don't want bullshit. Nope. Half of my check. The Burlington Code event is back. Buy a coat now through November 29th and get$5 off your merchandise purchase of$25 or more from December 6th through December 24th. Plus, Burlington is donating 50 ,000 new coats to help those in need nationwide through our partnership with Delivering Good.

28:00We've been keeping you warm for over 50 years. We'll see you at our coat event. Burlington. Deals. Brands. Wow. Visit burlington.com slash coats for details. Half of the pet went to bull. Yeah, so at the time we were only paying, what was it, 500? So in the apartment I was paying more because I make more. Yeah, fair enough. And so he was only paying. You just said half of his paycheck went to bullshit even though you thought he was getting better. Insta reaction. Yeah. What do you think? I just don't know what to believe anymore. I don't. This is why we went to counseling because I'm like, hey, yes, it's couples counseling.

28:37So this is couples counseling. Yes. Couples counseling. Yeah, he immediately leaves the session, sits next to you, and orders the TV on a firm with 23 % interest. Not a firm, whatever, afterpay, one of those. How much interest? What the f***? 22.08. Without your knowledge. He was literally only going to tell you when it showed up at the house, by the way. Amazing, yeah? Yeah. Sounds right. Can't hide that like a shoebox. I mean, to be fair, my... To be fair what? My credit limit did increase via afterpay, so I did, you know, that's why I extended the payment. To be fair, her pussy was tight. What if he said that when it came to cheating?

29:18Is that how that works? No. To be fair, her tits were big. Like, what? This excuse is a cheat. I'm using that analogy because this is basically like financial cheating. You went behind your back after agreeing and going to counseling and all these conversations. that she fucking applied on the show for what is very clear reasons now. There's no, there's no other explanation, but I mean, I'm still glad I made that purchase, man. For what? I mean, it's for, I mean. We did not need a new TV. We did not. We had what, a 52, 55? A 55 inch. A 55 inch TV. We just got the house like May 6th. We did not need a new TV.

30:02Did you just hear what he said? he has no regret he literally went behind your back and he has no regret like I don't even know what to do with that cause that's not denial or pushing back that's not fighting me on something that is just a complete I don't give a fuck oh I did wrong yeah he's not even saying he did wrong I mean what are your thoughts on this dude talk to him man he's here he's here now listen this is the conversation that you probably should have had he was gonna wait for the tv to show up for it now's your time so then the tv shows up and then what i mean it's already installed so it's like i'm not gonna return it you know that's no we are returning it we don't need that tv i mean we already have two 55 inch tvs and now we have a 75 inch tv so but for like you but for what for Sports, NFL.

31:00I mean. NFL? Your team doesn't even win? Ah, that's not fair. But I just, I wanted a bigger TV so I can see the sports. Fights, pay-per-views, all that great stuff. I mean, you know. So you're going to spend more money to watch the fights? Sure. After we've already discussed that we're not going to be spending extra money. I mean, it's not like it's a$2 ,000 or$3 ,000 TV, you know. It doesn't matter. That could have gone towards another debt. that could have gone towards literally anything else.

31:33Well, now it's not, so. What the kind of response is that, dick? Is this how he usually acts? There's no personal responsibility. Is he a little nervous because he's on camera? He usually just, like, laughs. Once he realizes I'm getting mad, he, like, does his little grin that he has right now and just laughs. I don't know what you saw, what you heard, because I don't know how that setup was over there, but did you hear the part where he talked about the literal factor is like, okay, so what are your guys' conversations on this? Oh, uh-uh. So he doesn't even know what is said in the conversations.

32:08Which sounds right because we argue about him not listening a lot. You're fucking kidding me. Okay, so then you tell me. These conversations around finances, what actually happens? What do they look like in detail? So we do have the calendar that I set up. It has the account number, when it's due, and how much is due. And then about a week and a half before it's due, I'm like, hey, you need to put this much into the account. I'm going to put this much because this payment is due. He kind of just puts money in account, looks away. That's it. I could probably scam him by telling him that more is due than necessary, honestly, because he doesn't know how much anything is.

32:49How do we deal with someone who won't listen? If he has no takeaway from any financial conversations, he couldn't bring up one point that you guys ever even talked about. and then you guys have a disagreement about spending which i think is an understatement now that we've kind of learned what is actually happening but okay so how do you even deal with that or what have you been doing to try to mend this what i don't even know so i saw the um the boot barn bag right so i was like he's obviously still spending money he doesn't take care of his things um for example like his flashlights at work he loses one he's like oh I could just order anyone so he's just spending unnecessary money so it's making me like anxious because I have to have a plan with we need to have this much money by this time so um I lost where I was going be real be honest with me 100 are you guys only not married because of this is this the almost like last standing hurdle well he hasn't asked first of all but honestly I don't think I could say yes, knowing that he's like this.

33:57She wouldn't say yes if you proposed. Which, is that unfair? I honestly would say no. One of the leading causes for divorce. Your finances, from the sounds of it, not that he would actually even know, sounds like they're okay, right? Yeah. Okay. First of all, interesting pick of a person dodging taxes for two years when you guys first met, but okay. She would literally say no if you proposed, so what are you doing to fix that? buying a 75-inch TV for sports. I mean, it's not the greatest idea, right? I do eventually want to ask and be able to marry her. What's even his team? The Raiders. I knew he was.

34:41Okay. He even has it tattooed on him. I do, actually.

34:49Mind you, I got that years ago. I didn't hide that tattoo or that purchase from her. Would've. what have so she's not gonna marry you do you even give a fuck I do it's hurtful you know I do want to try to be a better person you know and actually work on these finances and take away these bad spending habits you know and honestly it's more of like for the thrill of it that does not align with the attitude you have had so far and the things you've been saying You don't even regret the TV purchase and you say it's for sports. You put it on a high interest card. You hit an Intel delivery. I can't tell if delivery has happened or not.

35:33It doesn't even matter at this point. But it's just like, this is not aligned with the sentiment you've had. Like I, okay, maybe when you think about marriage, all of a sudden you're like, oh, a little mushy. Yay. Yes, that's what I want. But the actions you're leading outside of this room are not leading to that end result. They're not achieving that marriage that you want to. She's not going to fucking tie the knot with you. Why would she? Why would she? Why would anyone? With your history, you're not being able to change. You're going to couples therapy and you're not even changing. In fact, you've done something even worse again.

36:13So couples therapy, I want to get into these finances here in a second. But the last question. Okay, obviously you brought the couple's therapy in as a attempt to fix. As you've been finding this hidden spending, hidden purchases, all this stuff, throughout the years, what have the attempts looked like to try to fix this? For the most part, well, I thought he was not spending, but it looks like he was just hiding it better. so I guess there haven't really been any attempts other than me trying to take him to couples counseling I want you to be able to be a little candid real quick because you know he was candid when he didn't know you were listening and you'll know he's there and you know he can watch this back but at least right now I want you to be able to be candid can we put some headphones on him and I want to ask you a couple more intimate questions into this relationship without the fear of him immediately hearing it now.

37:14Perfect. Scott. Scott, can you hear me? Music playing? Scott, you have a mic, don't you? That's what Kelly told me. Scott, your pee-pee's so tiny, right? He's nodding his head yes. All right, Miss Kelly. In as much detail as possible, how this hidden spending affects your relationship. On that deep, on the deepest levels. So I don't trust him. Especially now that knowing he was sitting next to me, buying the... Make sure that is over his fucking lobe. The fuck is wrong with this guy? So just knowing that he was buying it right next to me, like I've... That's insane. Yeah, like I've never... I know that...

38:06Yes. Yeah. And I know if I wanted to go through his phone, I definitely could. But, I mean, I don't feel the need to. And now I'm like. Now I feel like I should. Should we? But I guess this time. We should. I guess NFL season last year, he was also hiding that he was sports betting. Oh, no. Yeah. No. And his. Oh, me. His reasoning was, well, I'm winning more than I'm spending. And it's like, I don't care. Let's see if that's even true. Yeah. Um, so, and you're betting on it. I mean, I don't know how it works, but you're betting on a team that never wins anyway. So I don't know, but it's just, it's causing me to not trust him.

38:46And I love him. I do. I feel like if we could get past this, um, we would have a strong future together. But right now I just, that spending is just crazy. Now, what made you suspicious of the spending in the first place? I think mainly finding that boot barn bag. and then the different Amazon packages. Like with me, I'm very, hey, I'm going to get this. What do you think about that? Or I found it at a better price. What do you think about that? And him, it's kind of like he just gets it delivered. He's like, oh, with his little smirk. Oh, I bought this for work or whatever. He thinks it's cute.

39:21Yes. Oh, man. Yes. I don't even know how to even deal with something like that. Are there other things you think is hiding? Just based on this, man, based on his history and just the lack of trust? I couldn't tell you. If he is, he's hiding it very well. You haven't had a suspicion or fear? Mm-mm. No. No fear of it? I mean, as far as spending, I think that... So you think this is strictly down to the spending? Yeah. Okay. What makes you so confident on that fact? I think because I wanted to go on to his phone, I could. I know I wouldn't find anything. I would say it's strictly financially. Or he's learned about hiding very well.

40:07That could be true. I mean, I would hope not, but that could be true. And then you got a house with him. Yes. What were your reservations on getting on a mortgage together? I would say that he wouldn't have the payment in time. Have you guys made a payment yet? This sounds pretty new. Yeah, we just made our first mortgage payment. Did he pay it on time? Yes, yes. But then that's when it came down to the calendar where I was like, hey, like our mortgage is due next week. And he's like, oh, already? and I'm like, yeah, like it's on a calendar. It's on a calendar and it's game out. And he gave it quick.

40:36Yes. Okay. It was in the account. He just needs like the hard reminders. Yes. Okay. And that's what I'm saying. It's like a child. Like I'm like, okay, our bills are due. This is how much. All right, let's bring him back into the conversation. You can unmute it, Wes. Scott, in your mind, do you feel like she has to treat you like a child? Not necessarily. I mean, I don't think I'm a child. Bring the mic to your face would be number one. No, I don't think I'm a child. You don't feel like she has to treat you like a child? I don't feel that way. Does she feel like she has to treat you as a child?

41:18No. Why? Because, A, I'm not a child, and I mean, I'm a grown-ass man, you know? Is he? He's over the age of 18, which makes him an adult.

41:34I mean I She says she has to treat you like a child just to make a mortgage payment I mean at the end of the day the bills are getting paid Are they not? Because she had to treat you like a child To get you to do it It was not on your own It was via no personal responsibility Of your own I mean it is my money that's going in there I mean sorry our money This should be interesting This is our money You guys aren't married I'm okay with us still being separate But even still, when you guys do get married I'm not confident he's going to view it as y 'all's money I think he's going to view it as his money And you're going to get married to that

42:14Why? Clearly And I'm okay with hers, mine right now You guys are not married The mortgage is weird, the combined account gets a bit weird You guys have overcomplicated this before moving to the next step Absolutely, but either way clearly I don't think that mindset's gonna change why do you view this as like a hoarding I work hard for it man you know and what's like why am I not able to splurge just a little bit I don't think it's about splurging a little bit but I think that there's a lot of times where we could maybe compromise we could compromise like you didn't need a $500 TV maybe we could have done like 300 or you didn't need a 72 inch TV.

42:57Maybe we could have done. I don't know what's next. 65, whatever. How do you compromise to someone who can't have the conversation, who just giggles it all off? I mean, you ended up getting a new phone. So. OK, but we talked about it. I got your your input. Right. And I'm not saying that you need my permission, but it would have been nice to hear. Hey, what do you think about this instead of just doing it? And my phone had been dying for like months before I even asked you, hey, what do you think? But I figured, hey, you know, you get a new phone, why can't I get a new TV? How much debt does she have outside of the mortgage?

43:29I have my car and obviously the mortgage. Interest of the car? Was it six? Six percent? How much debt do you have outside of the mortgage? About 90K. Well, yeah, I think you guys are in slightly different positions. I'm going to go 3, 2, 1, go. on go. I want you guys at the exact same time to give me what you think your household financial score is. Okay. Zero to 10, zero being the worst, 10 being the best. I want to see where you guys think you are. Three, two, one, go. Three. Now, what do you think his score is alone, not with you? Three. Okay. Optimistic. Interesting. All right. If you want your financial score, take the assessment.

44:15It is free at calebhammer.com or click the link below. And if you don't want to be like a guest who shows up on this show. Make sure you download our DollarWise budgeting app. Take that free trial and sign up for the annual version if you want to save a lot of money, but also get our budget-friendly cookbook signed by email directly to you. It's the only way to receive one, and you can join DollarWise Central if you also want to combine all of our education products together, which are incredible, for an 80 % discount. DollarWise.com. Let's get into these documents. Okay, so the f***ing TV. you don't even know about what is this what a firm or what again uh after pay okay after pay great it's an interesting time for business tariffs or trade policies are bouncing around like payday interest rates supply chains are clogged and cash flow tighter than a tiktok finance bro's budget and if your business can't pivot in real time you're already behind and that is where net by Oracle comes in.

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45:48It is one system, full control, tame the chaos with NetSuite. If your revenues are at least in the seven figures, download the free e-book, Navigating Global Trade, Three Insights for Leaders, at netsuite.com slash hammer. That is netsuite.com slash hammer. Thanks to NetSuite for sponsoring this episode. Let's get back to it. Well, it's about essentially right now$597.53 is what I'm going to say. 22.08 % interest, right? If you walked into that TV and there was a 22.08 % fee for buying it, would you? Well, now that you say it out loud, probably not. But. Exactly. You know. You know what? No, you know what?

46:29I just, I wanted a bigger TV just to watch sports. I think we understood that. No shit. I would die on that hill. That doesn't mean you lie. You would die on the hill. You would go behind your back again. At a 22.08 % interest rate. That's what he's saying. He would die on that hill. Did you hear that? He's dying on that fucking hill. Yeah, I wouldn't. The fuck? Thoughts. Because what the fuck? What the fuck? It's just he has... What do you do with that? What do you do with that? I don't think he's ever seen consequences to his actions. That's why he's just like, Oh, yeah, everything will work out.

47:03He also failed to tell her something else. What else? Because I don't know it either. What the f*** else have you not said? I'm trying to think. What the f*** else have you not said, you tit? I mean, there's probably other multiple things, but... What the f***? What the f*** did you not tell her? I don't know it, buddy. I don't know it. I'm not you. They're just telling me that there's something else you failed. You failed to even tell her. Like, it's absolutely insane. I mean, the minimum payment on this is$56.28. And again, the interest charge is huge. But what did you fail to tell her? What did you fail?

47:45So I, now that I guess I'm remembering, I failed to tell her how much money we spent on the housewarming party, which was the whole reason why I wanted to get that TV. What? Yeah, you laugh about it. That's what we're laughing about, guy. So, yeah, she doesn't know that we spent roughly around$800 for the housewarming party. What the fuck? That was including beer, food, the entertainment. Originally, he wanted to cater it, and I said no. Cater it? Okay. Some barbecue. Yeah, yeah. Make it yourself, dude. I thought you were a big man. Isn't that what you said? I'm just learning how to grill. I'm a big boy.

48:23And you don't even know how to grill at 29? I mean, I didn't grow up without a dad, so. Huh? I didn't grow up with my dad, so I wasn't taught how to cook. So you should be the one cooking on a grill then. Younger. I shouldn't. Congratulations. You had the extra blessing of needing to cook on the grill at a younger age. Better late than never. But that's what I'm like. He has. The never is. He's never coming back. He just doesn't. He's like, oh, yeah, I spent$500 on this. I spent$800 on that. And it's like, at what point were you going to say something? Well, here's the reality. You guys should be able to afford that combined household income.

48:56But the fact this, how much did you think was spent on this? Like two. 200 max. Now why did we have to hide this? Because that's even the thing. Again, this is not it's not an insignificant amount of money. You guys can afford it. It could have been in a budget and I would have allowed this. But it's the action which you did. You hid what was spent on it. Why? Why? It's the endless action of the hiding. Why? I think that he's just easily influenced by his friends. What did your friends say to do? Who can't grill? They said go ahead and get a Blackstone griddle And I wanted the Blackstone griddle But unfortunately That was included in the housewarming party?

49:36Is you bought a griddle? So we bought a griddle so that way we were able to go ahead and barbecue Instead of catering Okay so in reality And I'm not shitting Blackstones But I do like them Basically just grilled And like a cast iron pan on your stove And you didn't even get any fire burn on there or any charcoal taste. You just flat stone. I love a flat stone. It's not just that, though. It's like he'll be at work and he's like John Smith walked in with these new boots and now I want these new boots. Or so-and-so came in with a pearly. Now I want a pearly. So-and-so got an Aria wallet. I want an Aria wallet.

50:19Dude, you're so consumer cultured. You're so consumer cultured. You just have to, buddy, individual therapy on potential addictive tendencies and cope spending around that consumer culture spending might be very important for you. If you have your inability to control it, it's okay to get excited about things here and there. It's okay to get passionate about things, maybe getting deep diving into the Blackstone and maybe I would support that. Maybe we can fit it in the budget. The thing is, if you just see something, see something, see something that someone else is doing and you're just hyper excited about it constantly and you have to get it no matter what and you'll hide it behind your back, that means you're in the world of some kind of addiction similar to gambling, some kind of addiction similar to sex.

51:04So 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. You have this addiction that you have to hide from someone else in order to fulfill. And that might require some individual therapy because clearly that is not just some one-off thing. Would you agree? Uh-huh. You literally had to hide behind her back that the housewarming party cost$800 when maybe if you guys talked about it, she would have supported it.

51:55I mean, I guess my pushback on that would be if I did talk to her about it, then we wouldn't be able to get everything that we were able to get. So if you don't 100 % win, you'll just go behind her back in order to achieve it. So no communication. She came to you and you agreed on the phone, even though she's in a better financial situation than you and you guys are not married. But she came to you for input. You guys agreed and then she did it. Would you have done it if he did not agree? Probably not. So what are you on this other side with, okay, doesn't matter what she says, I'm going to do whatever the fuck I want.

52:30I know that I got to learn from it. No, what a bullf**t answer. I mean. God, it's disgusting. I just, yeah, I mean, I guess if going to therapy helps, why not, you know? Has he ever borrowed from you? No, not that I know of. Well, they're telling me he bought a UFC fight for the housewarming on accident on, oh, on your credit card. And now you owe the money. How much was it? It's about$90. And actually. Which again, that's not. It's not, it's not nothing. but it's also something if you guys communicated about it, it would have probably been fine. No, because I don't have a balance on my Amazon.

53:12Well, you probably pay it off without... I mean, to be fair, right? I thought that it was my Amazon account that it was... Yeah, but once you found out, why the fuck would you not communicate it? She actually saw it right then and there while I was purchasing it. Huh? Yeah. No, I didn't. I thought that you didn't and I just went along with it you guys are so okay I guess not what the fuck and that was actually three pay per view fights that I bought that night of the housewarming party what a catch okay let's talk about whatever this is okay there's a Honda okay this is a substantial minimum what is this car I assume this is your car because these are only your statements, right?

54:01Yeah, these are my statements. Okay, what is this car? It's a Honda Civic Hybrid Sport Touring. Year? 2025. Did you need this much of a car? I did not, but my reasoning behind it was the car that I had before was under a cosigner, right? So I just wanted to go ahead and get them out of it. The car you had, but why didn't you just refinance that loan? How much was left on that loan? It's about five years still. That previous car was... Balance, you tit! About$27 ,000. Okay, so you borderline doubled it, and you used that as a justification, the, oh, I want to get them off? The cosign? That's, no, that's stupid.

54:46I guess my pushback on that would be, I just didn't want, you know? Well, now you have a$760.40 minimum fee payment. It's still a hybrid, though. You have to work 50 hours a week, and even when you work 50 hours a week, buddy, even when you... It's still a hybrid. Who gives a f***, man? I drive an electric car and I'm not f***ing jerking it off. Some would say I am, but... And that's the 16 % of your income working 50 hours a week. 50 hours a week, 16 % of your income goes to this car. Horrendous. I was able to get the co-signer off and... Well, yes, I assume you traded this in, right? Yes, and I was upside down.

55:25About eight grand. And that's what was tacked on for this one. So what was even the point at that point then? Because now you must be dramatically underwater on this. I'm not too sure. I haven't seen exactly how much the vehicle's worth recently. But I do have about 18 ,000 miles on it. Okay, we're figuring out the value of the car. I understand wanting to get a cosigner off. I do understand that. But again, there were smarter options. and your dad so did you not need a co-signer for this I did actually she's my co-signer okay great who was the co-signer of the original one one of my good buddies so he wanted to get a truck for his dad who's a vehicle truck why'd you co-sign for this why'd you co-sign for this why are you supporting his behavior yeah I don't have an answer for you it's never ending behavior why are you supporting it So originally he wanted to try and get a truck.

56:25I don't even know what kind of a V8 truck, some shit. I don't know. Ford F-150. Great. So you can pick up your weekly groceries. Actually move furniture around, but yeah, that too. Yeah. How often? Twice a year help friends move? Yeah. Well, I guess his reasoning was because we were going to move out of the apartment. We don't have to spend all the time. So I have to literally go tens of thousands of dollars into debt into a huge depreciating asset to move out once instead of going to Home Depot and renting a truck. What the fuck is wrong? What kind of logic is that? Now, of course, what do you think it's worth?

56:58Because you owe$44 ,502, 21 cents. What do you think it's worth? I got the value. I believe it's worth about$24 ,000. $27 ,000, but that's still insane, buddy. That's still ridiculous. It's only worth what the last car you owed on it. Yeah, I guess working for Carvana didn't help my insights on it. Oh, for fuck's sake. never go to anyone anyway regardless everything's just overpriced there and they won't come down on any price there's no negotiating it's all it's a horrible place I don't know if it matters but it is fully loaded so it doesn't you're not fucking Kirby dude I don't give a shit so I had like a semi meltdown when he got this car because you co-signed for it yes afterwards because I was like if you're gonna pay it do it fine whatever but I think the payment went up by like $150 the monthly payment so it was already in an unaffordable payment so the Corolla which was a 2023 that one the payment was $540 what is with you man this is insane this term must be long 76 payments left yeah kill me now fuck's sake I have to ask.

58:15I've asked this before. and it can be a wake-up call to your significant other, what percentage of you, and I know it's not 100 because you're still here, but what percentage of you from 0 to 100 is considering just walking the fuck away because of everything that is happening still? I'd say about 10. Okay. Where a part of me is like, uh-huh, yeah. Okay, so this really isn't influencing you very much. I think because I know he can hustle and everything will get paid, but it's just the stress that leads up to everything. What do you mean, though? Like, his debt is$90 ,000 bad. What? How do you even know?

58:55How can you say you know that? Where's that evidence? I don't have it. Yeah. I guess as far as, like, the monthly payments, I know that. Yeah, but that doesn't matter. The minimum. It just adds more to the overall debt and hides things. I don't know. I mean, to be fair, I've never been late on a payment that we've had together. I've always been able to come up with the money for it before the due date. I could have swore I saw in these notes somewhere that you had collections, though. Those were previous to us. So what do you think the word never means? Okay, since we've been together. Okay, this guy's a f***ing...

59:33I don't even believe that, honestly. You're not a reliable narrator at all. Not even close. Shout out narrator voice. That'd be pretty cool. Okay. What's the interest rate on this car, guy? The interest rate on it, I believe it's somewhere within the 8 % or 9%. Okay, it's not good. You're not beating the market with this, especially with you taking the account that appreciates on the asset. Well, my intentions were hopefully being able to fully refinance it under just my name with the lower. What? You have 90 ,000 hours of bad debt. Your debt income's insane. What refinancing are you doing? It's not like rates are good right now regardless.

1:00:16So what the fuck are you talking about? My credit score has gone a little higher. What's your plan? Yeah, what's your credit score, guy? 635, which is fair. I'm not saying it's good or great. Yeah, you're not going to get a better interest rate. Credit karma says otherwise. Is it a guarantee rate or they'll pay you? Is it one of those or they're just selling you to apply to a credit? So exactly. So for that car Toyota Was supposed to get That payment from Honda But they didn't So he had to make a double payment So I had to lend him That$500 You had to lend him money That was only once though Come on is that not embarrassing It was that$520 Like you just spent on that TV And you call yourself a man I mean that was just once You're a child You're a boy I don't think so Well and what evidence Do you have to provide otherwise You're able to get a House mortgage together FHA which you provided 50 % of It was a couple thousand dollars When it comes to getting into a house That is pretty damn insignificant A couple thousand dollars within You know a month and a half A couple thousand dollars of which In order to replicate the spending you still wanted to do, you just put on credit instead.

1:01:38So again, you really didn't do anything to get there. You just deferred where that money was spent and put. Shut the fuck up. I have your spending. You spent double last month than he made. You know, what do you think about that? I forgot about that part. Spent eight, brought in four six. Four eight. I thought it'd be a lot lower than that. Oh, I'm sure you did. The guy that never looks at his accounts and is unwilling to communicate with his future wife about what is happening in the accounts. Yeah, I bet you would think that. Great. The day after you moved into your house, you got scammed for what?

1:02:11That was the water softener, I believe. So we were pretty much moving. He'll just get sold on anything. He'll just buy anything. What did you do? What did you spend? What happened? So the day of the move-in, we're moving, right? We're helping the movers. It's hot. It was earlier this summer. And just some guy in a freaking, what do you call those? Segway little thing. He was just like, hey, you know, like. Usually when people show up with one of those, I shoot them. You let them sell you? So he was just like, hey, man, you know, the water here in San Antonio or in Texas in general, it's hard, you know, it's hard water.

1:02:49So, you know, if you're interested in a water softener, I can throw in a garage opener. I can throw in blinds for the house, which I don't know if you're aware, they do not come with uh new builds nowadays so i was like you know what we can knock all three of those out you know in the day we move in you know what are you gonna do when a solar salesman's shows up because they always show no they came well okay and they turn them down no so i'm watching him from my room on the ring camera and homeboy is out there homeboy is out there and they're like we'll pay off your water softener we'll do this we'll do that and i'm like no texting him nope don't do it don't do it and did he pull up in a lime scooter i think they had like a little droid thingy actually he had uh one of those uh hoverboards just throwing that you know just throwing that out there it was a hoverboard not a segue this time so you are a child homeboys like yeah uh we have an appointment with your neighbors we can come back after since your since your girlfriend's not here whatever he's lying saying i'm not there i come out and i'm like no we're good thank you and he's like but we can pay off this doesn't that sound good to you said that no the guy the salesman he's like wait doesn't that sound good to you we'll pay everything off and it's gonna lower your energy bill and i'm like no we're good he's still standing there like oh and i'm like no we're good i was just like you know what maybe maybe that does sound good you know hey we can pay off the water softener if they're gonna go ahead and pay it off physically i'm not even kidding he used to go to his own separate therapy about consumer consumerism he is so deep in the consumerism, it'll be sold on anything.

1:04:22It'll help lower the energy. Solar can be good, but it still takes like 20 years for it to break even, something like that oftentimes. You're in a sunnier place, absolutely, but still. Still, it's brutal, man. Well, at least I didn't get sold on that, but I did get the water softener. because she was there. What did you spend on the water softener? I want to say it was like$5 ,200, $5 ,400. What the fuck is the wrong with you? I've lived in quite a few houses in Austin, Texas, and I've never had water softener. I don't give a fuck. That shit rolls off me. I don't care. It was worth it. No. Our water tastes pretty good, actually, now.

1:05:01Water softener? Isn't that just for the comfort of showering? It's not for... They added a spigot to the sink so that, yeah. And the fridge. Well, that was already... And the fridge. They added water to the fridge. Yeah, that already happens, guy. You don't even know what you got. I think he just loves getting scammed. Yeah, no, he just, no, no, he, I'm totally serious. He legit needs to go to therapy that focuses in the world of addiction, that focuses on his consumerism. I'm not even kidding. I'm not even kidding. This is in a similar vein with his actions in the world of gambling. That's where he is in the world of consumerism.

1:05:42Getting sold on something or seeing something anywhere. seeing an ad, seeing someone he knows that has something, he needs to get it. I think, well, speaking of gambling, I was addicted to price picks a couple months ago. That is the least surprising thing I've heard all day. I was winning more than I was losing, just putting it out there. Well, you were gambling behind her back, right? Isn't that what you said or did you tell me that? I forgot even at this point in the conversation. Someone told me something. Yeah, I was gambling behind her back as well. And you found out? Yeah. How'd you find out?

1:06:09because he would brag about it afterwards saying that he won more than he actually spent. And that time they give us what they give us. So it was referral codes. I would refer all my coworkers and then I would get, you know, $50 to be able to gamble per coworker. I just got another note. How the can you even get scammed at Buffalo Wild Wings? That was also with his buddies at work. What is wrong with you? What kind of scam even happens there? So after a long day at work, Me and my work buddies were like, hey, let's go to Buffalo Wild Wings, drink some beers. The worst wings, yeah, okay. Yeah. So they get there before me.

1:06:46I was stuck in some traffic, whatever. I get there, and there's a guy out there, and he's just like, hey, you know, we're doing this thing for the kiddos. Guaranteed he was a homeless guy. He may have looked like it, but. So it was just more of like, hey, you know, we're doing this thing for the kids, buying backpacks, whatever. Hiring the right person for a job can feel impossible. When I first started building out my team, I thought posting the role would be the easy part. But within hours, I was flooded with applications, and most of them were way off. It felt like I was trying to find a needle in a haystack.

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1:08:39Prices may be higher in Hawaii, Alaska, and California and for delivery. Get a quality candidate within the first day. Try it for free at this exclusive web address, ZipRecruiter.com slash Caleb. Again, that is ZipRecruiter.com slash Caleb. ZipRecruiter, the smartest way to hire. He was a meth head homeless guy. and uh it was like hey you can sign up for just 30 bucks it was a donation i was like you know what cool maybe i can write that off in my taxes that i did pay this year buddy in no way are you doing your own deductions on your taxes you are 100 taking a standardized deduction what the are you talking about if you even pay your taxes but go on so i do pay my taxes now um but so So anyway, so that I was like, cool, you know, here's 30 bucks, whatever.

1:09:24I go inside, do my thing there. And then come to find out they actually enrolled me in a subscription, a monthly subscription where$30 is taken away. This f***ing guy, man. He will do anything and he laughs about it. He doesn't give a f***. He thinks it's funny. The joke's not funny because it's affecting our friends. Just you? Yeah. You guys don't have kids, right? No. No, no kids. Just two dogs. Is it planning? Are we planning on the babies? Not anytime soon. Okay, thank the fuck. Because, my goodness, you're a joke. Okay, what is this time investment? I've never heard of this. That is the water softener.

1:09:59Oh, and it's called time investment? He laughs about it. I mean, it's the time invested in cleaning your water. You realize he thinks this is a joke. I don't think he realizes, like, how much everything is. No, I disagree, actually. He said approximately how much bad debt he has. he doesn't give a fuck because he was actually able to stay pretty darn close to the number he doesn't care I do care and I know that's what everybody says but you're laughing at it, you're giggling you say you wouldn't take back the TV what the fuck are you telling me you care about show me you care what can you say that indicates you care guy I don't fucking see it I want to make a difference in our relationship it.

1:10:48I'm glad you want to. Why have you done no actions that would suggest you do? I think it just goes back to my behavioral, right? My behavior in general, that's what I need to change first to be able to. Good general statement. Now, let me ask again. Why haven't you then? All talk, no action. I just love the thrill of spending. That's why. Exactly. And that's where he needs to go to some kind of counselor that focuses in the world of addiction because he is chasing that dopamine release. You really are. And I'm not saying that, I mean, it is objectively bad, absolutely. But it is so much more prevalent today than ever.

1:11:25We are a more consumer-driven culture than ever before. And it is okay if you have a problem. You need to seek the f***ing help. Build on habits. Stop it for a couple months. If you do something for a couple months, a habit is built. Just f***ing budget for a couple months and don't spend your money on bull****. And you'd already be in a better place. So you have$3 ,506.59 on this, with$53.68 of minimum is your minimum monthly payment.

1:11:57What's the interest on this? 10%, I believe. I mean, it was worth it for the blinds and the garage door opener and clean water. Your garage did not have a garage door opener? What the f***? What new build are you guys getting? I get the blinds. Yeah, why would it come with the blinds? You want to get the blinds that fit the style, the decoration that you're going to do. Yeah, that makes sense. Garage door opener? What the fuck are you guys getting? It's a Lenar home, so. Huh? It's a Lenar home, so most of those new buildings do not go. I've heard that's quite. Isn't that the cheapest of the, isn't that the carnival cruise of the home building industry?

1:12:32I think it is. But, you know, that was just my excuse. You know, we're like, hey, we're moving in. Let's just take care of all this stuff right then and there. instead of having to save up and invest. Save up and invest. Yeah, we get the garage door opener and you get some curtains that are a bit cheap for a while until you can afford it. Oh, for f*** sake, credit one. This is an indicator of being someone with the worst finances possible. It's basically as bad as it can get. And I'll get you set up with the Fizz card. It's a debit card that builds credit. Certainly a lot better. And I also get you a course career certification so that we can get, hopefully, a better paying job.

1:13:08Like, you make pretty good money now, but maybe we can get into, one, a more moral field, first of all, and two, something where maybe your guys' incomes are a bit more tied. Just because that helps the household. So I'll gift you both of those. But credit one, what the f*** is going on with this card, guy? So that first credit card, credit one card, I was trying to take that first step into being able to build my credit back up again. With credit one? Oh! Go on! So this all happened when I was living with one of my brothers. He's just like, hey, you know, as long as you're working, saving money, which I was not saving money.

1:13:51He's like, you're allowed to stay here. So I was like, you know what? Let me apply for some credit cards. Try to rebuild my credit after this Dallas forward situation that happened with my ex-girlfriend. So we had to get evicted from an apartment complex. You've been evicted before. Yeah, we could. Not surprised. It was an$1 ,800 apartment payment. What's your mortgage payment? No, it was an apartment. What's your mortgage payment? $1 ,416. Not surprised you've been evicted. Look at how you live life. So you get on to a mortgage with someone who's been evicted in the past. Interesting strategy.

1:14:25Not a play I would have made personally. I mean, it wasn't my fault at the time, right? I believe I've had, you know, or money has played a big part in my relationships, including the past. But in that relationship. Every relationship it does, yes. That is a basic of relationships. Who would have thought? Yeah, but in that relationship, I was the one that was trying to keep the boat afloat. So there was no way that boat would stay afloat then? Yes, there was no way at all. So we ended up just, you know. Boot barn? Yeah. $87.82 on credit one. on for fucking Boot Barn? Is this one of those things you see on your friends?

1:15:06You got a pair of boots? So not that. I do get work shirts from there. They have to be fire resistant. We do a lot of welding and torch in there. He bought the shirt that he's wearing from Boot Barn. That is not fire resistant. Is that what this was? No, that one was two work shirts. What is wrong with you, first of all? Because I know for a fact you had work shirts. There's no way you did not have work shirts. Yeah, that was a co-fucking... Cope argument if I've ever heard one. Cope excuse. Credit one is bad for credit building regardless. Like, not for the credit building part, but because you have to pay fees every month anyway.

1:15:43You've paid$44.32 in fees on this card alone this year. And total interest,$97.96. This year! And you're getting boot bar not paying it off. Borderline almost maxed out. Made a minimum payment of$49. But then guess what? The balance is now higher because of interest and fees and purchases. You're just, you're going to be in debt forever. Buddy, this takes four years to pay off, and it's less than$1 ,000. It takes four years to pay off. That is what you're dragging her through. So you're not getting married for at least four years. Great. Oh, my. This is the second credit one. What's going on with this card?

1:16:20So on that one they had, it was on Credit Karma where it was like, hey, you know, if you apply for this card and if you don't. Why are you listening to Credit Karma so much? I don't know. So, I mean. Why do you listen to literally everyone about everything except for her? No, literally. That's what she says all the time. I could tell somebody or I could tell him, hey, the sky's blue. And he's like, no, it's not. And then he comes back and he's like, so-and-so from work said the sky is blue today. And I'm like, no shit. So why are you with him? Because I wouldn't be for more than a half a day. She loves me.

1:16:51Why? I think underneath all of the shitty finance decisions that I've had, there's a great guy in there. I would like to say the good outweighs the bad but like this financial thing like he thought I think he thinks that I was kidding about him getting his shit together but I was not so that's why I signed him up for the show I know that's why we pulled our little exercise on him listen and the fact that she has already called out before this conversation that you listen to everyone except for her and then all of a sudden I see it and called it out independently that is not a good sign there should be a wake-up call that's where I'm hoping that we end up heading towards, to be honest.

1:17:31But if he stays in the mindset of, oh, man, then this is probably... He's a little bitch. He can't even grill. Actually, whenever I did grill, those hot dogs are amazing. On a flat, on a black rock. You cooked it on a pan, guy. A large pan. And it wasn't even the actual Blackstone brand, either. And also, hot dogs come pre-cooked. You are an infant. So on this card, I want to lose no purchases. but of course$8.25 of fees,$10.44 of interest. Oh, it's borderline maxed out. $30 minimum payment, you owe$436.29, $40 of interest this year so far, and fees of$33 at a 28.24 % interest rate. And you sign up for every membership in the world.

1:18:17You got Life360 so you can track each other's whereabouts. You got two gym memberships and you don't even go to the gym, they say. Car wash membership that you never even use. What the fuck? Oh, and then you have another car wash membership. Dude, you'll get everything. There's not a thing in this world you will not get. But he lies about those as well. He told me he canceled his gym memberships like three months ago, his car wash membership like three months ago. And he's like, oh, I need to do it. I need to do it. And I'm like, I thought you already did it. Why do you even lie about that? What is the point?

1:18:46There's no point. Because he thinks I'm going to get mad. And of course I'm going to get mad. But I'm mad that you're lying. I have an iPhone. He just switched recently because one of his friends had a Galaxy whatever the fuck. What would your friend have? If you wouldn't have to pay for Life360, you'd have Find My. I don't even fucking know, dude. What is this Ally? Is it Ally a credit card? Yes, that's another credit card. Usually you see car loans with them, but okay, Ally, credit card. Oh, it's maxed out, good.

1:19:17$923.65. Oh, good,$381 of purchases, you f***. That's funny. That's not funny. $14.88 cents of interest accruing this month so far. $27 minimum monthly payment. More Boop Barn,$107. Going in against the BS, Ross Store, Senior Borough, and more Boop Barn,$92. Fuck you, it's for work. That is an excuse beyond excuses to just go to Boop Barn. I like my Pearl stamps, man. They look pretty cool, so. Huh? They're called Pearl Snaps. I mean, this one's kind of wrinkly, but... They're called Pearlies because they have pearls for buttons. And they're pretty pricey, so as you can see. You look like a gay cowboy.

1:20:05No, that's literally what I told him this morning. Oh, man. Definitely not the vibe I'm trying to go for, but if you say so. This takes six years to pay off.

1:20:18So six years till marriage? Plus the four on the other credit card That's ten Hopefully I'll save by then I'm glad you can count No, but Yeah, that's really bad Bought a different TV on this credit card? A different TV on this credit card? Before the correct TV purchase How many TVs do we f***ing need, dude? What is wrong with you? It is not funny It is not funny That one was for my office, so Office? What office do you What? What the fuck are you doing in your office, you little c - Office slash game room, so - Yeah, there it is. That's the real word. Your little goon cave. You can jack off to Brokeback Mountain.

1:21:02I see you. I want a fucking bottom barn for your shirts every day.

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1:21:56And it's going in and getting some bulls from the gas station, going to the Taquera La Tappy Tea from Michigan. So with that one, the plan was to just strictly use for gas purchases. Well, the plan failed, you dumb f***. And now I just have a bunch of, I'm addicted to zinning. I don't know if you know. Well, no, that would be an addiction. So I purchased, I don't know if you can see right there,$60 worth of zins a week. The Takiera was zins? No, no, that's. $60 of zins a week? So that. $3 ,100. You dude, you're spending almost a full month's worth of paychecks on zins a year. Yeah, you're spending about three weeks of pay on Zins a year.

1:22:51Three weeks that you're doing of work is only to fuel your Zins, to pay for your Zins. Can I say I'm... No, you're an endless addict. You're an endless addict. There is nothing you don't get addicted to if you try it. I have an addictive personality, so I know to keep myself away from things. I don't drink because I know I would fall down that rabbit hole. I don't do a fun little drug because I know I would fall down that rabbit hole. I don't pop us in even though I'd be locked the f*** in because I know I would go down the rabbit hole, okay? That's literally the only reason I bet it. And I know I have to personally, not that it's necessarily bad or something like that.

1:23:27I know I have to tell myself not to f***ing goon off to something because I know that my personality could fall down that rabbit hole if I did. I have to keep myself away from stuff. I don't gamble because I can fall down that rabbit hole. You should know this. It is clear as day with your past gambling, now this and everything you're doing. You will fall down more if you accidentally stumble upon something. And you have to keep yourself away. You have to be self-reflective and more self-mature to be able to live a healthier life and keep you away from stuff. And it isn't just impacting you anymore.

1:24:03It impacts her too.

1:24:08$60 of Zins a week. Thoughts on that, lady. I think it's a waste, and he started because one of his friends at work did it. I mean, to be fair, it does help you lock in. Just saying. Yeah, until your threshold's met, then you only have to go up. No, keep it in your fucking pocket, you addicted, disgusting motherfucker. Yeah, I want you to feel the withdrawal. You disgust me. So that restaurant, La Tapatia, is down the street from his work. so I could pack him lunch and he will still go and spend it on food. Why? You know, sometimes I'm not craving the leftovers. Sometimes as in every time? Is there always leftovers?

1:24:50There's always leftovers. No, is the lunch that is packed always leftovers? No. No. And you're going to what? So he'll go to La Tapatia, Subway. I've never even heard of La Tapatia. Is that a chain? It's a chain in San Antonio. There's another Mexican restaurant he goes to, and it's kind of like a Mexican Hooters on his lunch break. A Mexican Hooters. Yeah. And he'll go on his lunch break. Okay, so they serve in lowriders. They don't serve in lowriders. They're just in, like, I guess, mini skirts or something like that. Scandalous. Okay, they do that at regular Hooters, too. What makes it a Mexican Hooters?

1:25:28It's like a Mexican restaurant. It's a Mexican restaurant. He gets it. It's like a white castle, but instead of the castle part, there's just a big wall at the top. No, there's not. There's just, I guess, I don't know, hoochie suits or whatever. I don't know. With browner skin? I don't understand. How's it a Mexican hooter? Okay. Okay. Sure. I don't get it. I don't know what makes a Mexican hooters. The fajitas there do. The fajitas instead of wings. Okay. That would make sense. Okay. Okay. Okay, so they hope that you see tits on your way to having diarrhea. Yeah. Yes, understood. Gotcha. 30 % interest on here.

1:26:11Oh, you were lying about the amount of Zin's you were taking from her, they're saying. Or at least the amount that you're spending on it. Is that right? You didn't know it was that much a week? Yeah. He was misleading to a different number? Yeah, I thought he was maybe doing like... Why even just say that? Be open about your struggles if you have a struggle. Like a puck or two, like a week, and he's doing like a puck or two a day or something like that. What the fuck wrong with you? Yeah. And it's very like, I can quit when I want. I can quit when I want. So why don't you want to, though? It just helps me looking at work.

1:26:49You know, it helps me stay awake. Yeah, it does. But, buddy, your threshold's here. You could have that. Not as sufficient, but with like coffee or like a zero calorie energy drink or something. He's also addicted to coffee. Okay, well, that's okay. Most of us are. I have a coffee right here. If I don't have it, I have a headache and I'm tired. Yeah, okay. I mean, how many milligrams of caffeine are you drinking a day? Is it more than 400, the daily recommended cap? It used to. I've come back on it. But you replaced it with Zins. Yeah, which isn't healthy. Okay, Indigo, what's going on with this?

1:27:26So that was actually, it's a credit card. On that one, the same thing, just miscellaneous purchases on that one. Okay,$40 minimum monthly payment. Balance of, looks like this is, no, it's not paid up every month. No interest to charging, fees to charging. It's a monthly fee, credit protection fee. It's so ridiculous. You're a moron. Five months to pay this off. That's how low the balance is. Yeah, you still won't. $171.44. Fucking tit, dude. What is wrong with you? 35 % interest for some of it, 24 % for the rest. Ridiculous. $126 of fees this year so far. On this card loan meeting, you likely had a missed payment because that doesn't add up to$122.

1:28:09If this is your monthly fee of$5 times the seven months we had, that's$35. You've had$126 of fees this year so far. You've had late payments. There's no way you haven't. I believe I have. Remember when you said, he literally said he pays everything. I've never been late on a payment before. What the fuck are you talking about? You lying piece of shit. You lying piece of shit. No?

1:28:36I guess I did have... I mean, obviously, right, the facts are showing that I've had two late payments. The facts are showing that... Just two? Maybe. Maybe the f*** be. I don't know, but you're a liar, and I can't trust anything you're f***ing saying. Milestone, what's up with this? It looks like the same fucking card, honestly. Yeah, they are. They're, I guess, backed by the same bank. Great. Well, this one is$353.90. Minimum payment of$40. Purchases of zero, but monthly fees, monthly interest,$10. That fee. Oh, yep. About two to three late payments on this one this year so far as well. And she doesn't even fucking know.

1:29:19What a joke. You should be disgusted. Good fucking luck on the way home, buddy. Because I'm borderline giving up at this point. Good. Affirm. Let's have an affirm tool while we're f***ing at it. What is wrong with you, man? $137.

1:29:41For what? CoveSmart? What is CoveSmart? That's the security system we got for the house. Yes, because I'm sure people are just breaking into y 'all's homes, left and right. What the f*** is wrong with you? Let's say it's like a$25 minimum monthly probably. Fucking stupid. Here's a mortgage. Now, you guys are on this and you split it, right? Yes. Rate 4.65. When did you guys get this? Two months ago. We moved in May 6th. This is a good rate for that. How did you guys get such a good rate? I have good credit. Yeah, but for good credit, this is still lower than you'd normally get. First time homebuyers.

1:30:18I am on it by myself also. So$188 ,199.44. Oh, he's not on it. He's not on the mortgage. Oh, yeah. I was not able to. That's OK. I feel much more safe about this then. Good. Because$1 ,416.51. So I am OK with this. You didn't correct me when I said you guys were on the mortgage together before. No. Minimum monthly payment of$1 ,416.51. And he provides, what, 40 % or something? Right now. So right now he gives 50 % because we make about the same. You make a little more. Well, actually, I have heard before taxes, I have your after taxes. So maybe not. He would have probably brought you right up.

1:30:58We actually couldn't get it with him. Yeah, it was 10 or 15 credit points. Now you have$430 that you just spent on Home Depot and that's your new balance. So that one's also in my name and we're going to do that in half too. He applied and got denied. $29 minimum a month. What the fuck, dude? This keeps going. This keeps going. What are we buying at Home Depot so much? Why did you even need a credit card? Why didn't you have cash? If you had to open one, why? I didn't want him to have to owe me because I could have paid it out without right cash. Because you don't trust him to pay you back. I do.

1:31:32Why didn't you want him to have to owe you? Because he still does to pay for half the credit card. It's the same thing. That doesn't make sense. I think for that one, we ended up getting, I believe, just lawn care tools. It was a lawnmower, weed eater. and we also Oh$33 ,882 to student loans. Yes. For your what degree? No degree. Right. I believe I have like 122 credit hours and no degree. How long were you in school? It started in 2013 when I graduated so I was in school up until 2018 so it was like 6-7 years and no degree on that. The f*** are you with? Why are you accepting this? you want him to be the father of your children I don't know I don't get it listen you're on an income based repayment which honestly you don't even deserve you make good money you should be forced to pay at least $350 to what your minimum monthly payment should be on a 10 year standard plan like fuck you you do not deserve this you are not someone that needs an income driven plan you all the money that should be going to this that we have lent you as the public you are spending on bull And we're allowing you to do that, and it's unacceptable and disgusting.

1:32:47This is so f***ing stupid. You had a late payment on your student loans. Yeah, honestly, that one, I didn't even know about it. I think it might have been before the plan that I had set up. Oh, f***, man, I don't know.

1:33:09This isn't a budget problem. This is just his behavior. this isn't a budget problem this is a he's a degenerate and he embraces it and he thinks it's funny thousand hours in this checking account that's halfway decent moving money some back and forth okay yeah nothing crazy was happening there okay and then his spending account$358 so it's an Apple bill cash app cash app so that's sending money to her Yeah, that's sending money to her for the bills. Sometimes... You guys have a checking account joint. You don't just transfer in? He was having trouble linking the PNC to the RBF. Dude, I'm so done with you.

1:33:51Went in, got some f***ing sins. Cash app, cash app. Brevity, teriyaki, liquor bueno, flux lore. Oh, it's just all bullsh** spending. It's all bullsh** spending. It's all f***. It's all moronic. Lids Locker Room, Outslids, Max.com. Oh, cash app, cash app. Bully Make, Amazon, City Base Cinema, Amazon, Spotify, Taquera, La Tapita, Me, BJ's Restaurant, Brevity 6, Boot Arm, Boot Barn, Bottom Barn, Chick-fil-A, Dutch Bros, Taquera, La Tapita, Me, Austin, Cash App, Apple Bill, Subway, Cash App, Overnight Soap, Overnight Soap, Overnight Soap. What the fuck is wrong with you, buddy? They're pretty good.

1:34:36ESPN Plus, Fabletics, Dutch Bros. I'm sorry. I'm sorry. I'm not making a budget for you because this isn't a budget problem. And I know some get upset when I don't make a budget, but this isn't a budget problem. It's as simple as that. You could budget this. I know for a fact with your income and your minimum payments, you could budget it. It's a little tight, but I'm guessing you have about$1 ,000 left over, maybe$500. This isn't a budget problem. Plus you guys are combined, so it's weird and confusing anyway. This is you having an addictive personality not willing to address it and not willing to hold yourself back.

1:35:12You need therapy and you need to work on your cope spending and your inability to say no. You need to grow the up, stop being a little boy and you need to respect your partner and actually focus on not hiding and cheating behind her back and stand up like a man for the first time in your life. What a joke. Hammer financial score. Join us in the post show. I know there's always more, especially with a couple. sick it's so dumb just subscribe to hammer only link below join us for an extra 20 minutes not done pull out your phone right now open it she doesn't even trust you to give you that how long has he been lying to you i'm gonna assume the whole time we've been together that's insane who the f*** would marry someone that endlessly goes behind her back and cheats i hate him so much elusive members content click the link in the description or pin comment below and watch thousands of hours of extra and uncensored content.

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