His Wife Chooses Pleasure Over Children | Financial Audit

25:36Quiet now. I will have order in this here courthouse. Girl, you're going to get water all over me. Quiet now! Being aggressive. Quiet! Hold me in contempt. Hold me in contempt. I will do time. Yay, yay, yay! This court sides with the defendant. She's a dumb bitch. Sides with me? No, the defendant. Who do you think you are? You pointed at me. Listen, I mean, honestly, though, it's a fair thing. Actually, I know we're being a little silly with it, but it's a fair thing. If we're not planning on having more kids soon, and if everything already fits, and if, honestly, you only use it a couple times here and there, this is a dumb debt to get into.

26:23This is a moronic reason that I don't want when I can just get the one I want. Because it could be cheaper. It's easier. If there's more cars available to choose between, it allows us to get a better deal, a potentially better rate, a potentially better loan. All I'm saying, this is a horrible reason to get out of debt. To force ourselves to get into more debt for something we're not. Because if you go and search just a specific kind in order for something that's honestly dumb reasons, you are going to do what is ever necessary to get it and that could be a bad interest rate, a bad term, a bad loan, a car that's not even good.

26:58What were you going to say? So, you have said this before. Like, we got to meet in the middle somewhere because, you know, I love you. You love me. We're a happy family. Heck yeah. We can, like, what would you say? I'll get a cheaper minivan. if that's the case when we want to get it in a year and a half. Because we still have value in the Tucson if we were to, like, trade that in and try to just get a bigger SUV so we don't get a full-blown minivan. But you've been yelling at me about wanting to have a paid-off car. But you're going to go get a car loan then, so you don't give a fuck. That's how we've always done it.

27:40We pay something off, we get something else. And how's that working, living with mom? Listen, that works for us. It works for us because you can't afford anything else because of the life you've given yourself. Because of the choices you've made. Yeah, and now you can't! This goes back to, like... Free child care, and now I don't think my mom would let us move out because she wants to stay with my son. We're kind of anchored down now. She loves my son. Tax return doesn't count that hit, but we know what your income is. It was actually lower last month than$3 ,598. But either way, it doesn't matter.

28:12And I'm not going to count your income because, guess what? We know that it's... Because you put more money in than you get back. So it doesn't matter how much you'll spend last month. Actually, no, because some of that could be for your business. So let's add up your income to it. So we know that total came in was... A lot. My whole goal was my business and having credit. Quiet. $5 ,223.90. What went out? Because we know business expenditures are included in that. So I included your business income. So$5 ,500 came in. What went out? Come on, household, we're married. Wait, the$5 ,000, was that like, does that also include the tax return spending?

28:54That's all taken out, right? I was going to say, did that include the payments with the tax return? Well, did it include the credit cards that we paid with the tax return? This is spending as in going up. As in spending. Spending, not making payments, and tax return barely counts. You got a child tax rate. Was that the month I got my computer? It might. For why? For work? Was it for work or was it for being a little gunner? No, I'm a blue collar guy. You're a gunner. Yeah, okay. He wanted to build his own computer. Crushed the gunner. Gamer. Different. They're different, bro. He's a PC gamer. I don't know.

29:33That's not my world. He wanted to build his own computer for years and finally did it. It was like 15. I'm glad we did. I'm glad we saw just a slight, a slight ray of sunshine because our child tax tried to hit and the return came in, but you didn't do any effort. You didn't do anything in life other than stick it in. That actually gave you this money. You haven't done anything. You're in the situation where you honestly probably get more back than you put in because you're in that income bracket situation. I mean, again, you're in the bottom 50 % of household earnings. In the bottom 50 % of household earnings essentially contribute 1 % to the overall income tax situation in the United States and that bottom 50%.

30:16So you don't really contribute much. And you got this big check back, and that's fine. I'm not arguing. I'm not saying that's bad, but I'm saying you got a little ray of sunshine for something you did not do. And instead of actually trying to clean up your situation, which it sounds like we took a little step towards, using something that wasn't behavior change. So I'm not going to give you credit for it. But you went and got a gaming PC, too? Instead of putting it in, that is behavior. That is behavior. Getting the tax return, that wasn't behavior. Choosing a part of your tax return to go get gaming PCs instead of paying off debt?

30:46It wasn't because of the tax return. No. All the tax returners went straight to cards. That was all cards. Yes. I immediately put money back onto a card card. Exactly, which is the same thing. It's different. No, it's not you moron. Can I draw this out for them? I'm just saying I haven't made no big. I haven't made no big what? I ain't make no big money moves like that and like a solid. Listen, you and I didn't live in Oklahoma that long. Relax. You did nothing to do it. You have a kid. That's it. It's the only reason. You know why it's there? I'm my own man. It's to help fund the kid. You used it for a f***ing goon station.

31:25Hey, man, I don't like slander. I don't appreciate that. I don't give a f***. That's a slur. Okay. Okay, right? So here's the thing. Here's the thing. You're saying tax didn't f***ing. We had maxed out credit cards. Here was the tax return you got. You said tax. Shut the f*** up. I'm making an example. Shut up! Shut up! What the f***ing? What actually? Like shut up! I'm making an example! You f***ing goon! Well actually we never said well actually. Here's your credit cards. Maxed out or not doesn't f***ing matter. Okay let's say it's like a 3-4 or whatever. Here's your taxes. Okay you're right.

32:05You didn't use the tax money to pay off the credit card. Instead that went to over here and that deleted this much. Woo, yay, now our credit cards are only halfway, and the tax money's going out. But if you then, because you now have room on here, spend it up for gaming PC, you did use the tax money, which is f***ing in the federal budget to help with you having a kid. As in, I pay more taxes to help you. Fun fact, I just bought you a gaming PC. This is a fun one. I get to get you free money, and then I get to get myself free money. It's a pure win-win for both of us. What do you have to do? Sign up for a SoFi high-yield savings account and get a welcome bonus of$300.

32:50Sign up for Acorns using my link and get$20 instead of the usual$5. Finally, sign up for Silo and earn up to$5 ,000 in cashback on your own stocks. These offers have been negotiated to give us both more money than using traditional sign-up methods. So use the links in the resources section of the description below and get yourself$5 ,320 right now. Come on. That's what you used it for, for a selfish reason, for something that's actually meant for actually supporting you, for supporting the child. That's what it's meant for. Well, like I haven't been selfish in like a solid. Good. You're a dad.

33:28You don't get to be. And if you go work more and bring in extra money, pay off debt, give your son a sense of any kind of security, son. Yes. Son. any kind of sense of security and future financially, then you're allowed to be selfish, but you stuck it in. Now you actually have to pay the fucking bills and be a man. Uh-oh, consequences of actions. Who would have thought? I mean, the reason I've said that like I'm not, my goal isn't to bring it down to zero is because like my whole business venture, I want it to be, you know, where - Business. I quoted, I did the air quote. Profits negative money a year.

34:03It didn't, it was green last year. $2 ,400 a year. Probably. If I use my card, I want to just do an event and pay that off because this is more of a hobby to me than a business. Well, thank you. Let's use that word then instead of business. And here's the reality. You're putting your hobby over your job because that extra money and that extra time that you're spending on that could be picking up a part-time job that is going to make more money that you could be working at home, that you could be doing a call center job, customer service, whatever, answering emails, answering phones. I don't give a fuck.

34:31Let me talk for a second. My goodness. I hear you. I'm just saying that time could be spent doing something more productive that would bring in more money, that would be able to pay off debt quicker, that would get an emergency fund quicker, that would be getting in our own place quicker, that would be getting a child fund quicker, that would be getting money for their future gymnastics or sports or whatever the fuck they want to do. And if they want to join band, choir lessons, I don't give a fuck, pencils for school, all that good stuff, that's what it could be going towards. But instead, you want to put all your time into a hobby, not a business, let's be honest, because you are choosing your selfish desires over what is actually important of being a mother.

35:03And a mother isn't just there wiping the diaper, taking out the diaper, wiping the butt, potty training, congratulations, drowning the child in the toilet. Whatever a mother does, it's more than that. It is also a financial aspect because you're a parent too. Well, that's the plan. Next year, once he's in school, I want to go back into my dog grooming and actually start supplementing him to the house. I just am not doing that until he's in preschool. I agree. But instead of focusing on time and energy going. Wrong. That's knitting. I don't knit. I crochet. Okay. It's the same joke to me. Yeah.

35:36Not to me. Congratulations. You're a mother. Crochet only has one hook. Knitting has two needles. That's the difference. Okay. So it's a less productive version. Got it. Incorrect. So the thing is, that time could be bringing in more money to actually put your child off for success. That is the plan. That is the reality. And you're putting your own selfish desires and what you want to do over it. And honestly, you're enabling her because you're not willing to stand up. You don't like living with your mother-in-law. I could fucking tell, and you pretty much admitted it, and you're not willing to stand up for yourself.

36:05You're kind of a pussy, am I right? You're a little bit of a pussy. I want to know what you think your household financial score is, zero to 10, zero being the worst, 10 being the best. I'm going to go three, two, one, go, un-go. I want you guys to say it at the exact same time. Three, two, one. One. Zero. Okay, well, at least we're aligned that you guys are in a horrible place, but we're also aligned that you're not willing to do anything to change, and you're not willing to stand up for yourself and have any kind of authority in the household. Well, it's hard to stand up. If you watch your score, see where you are in the world of finances, go to CalebHammer.com, click that link in the description below, take the assessment, it's fun, you'll see where you are.

36:38And also, if you want to be on the show, go to CalebHammer.com slash apply, we'd be happy to have you down here in Austin, Texas. Don't forget, if you don't want to be like a guest on the show, just download our budgeting app, take the annual version, I'll send you our cookbook that can't be purchased anywhere else, I'll sign it and I'll mail it directly to you. It's a good time. Let's jump into these finances. The play part. Great. So, Amazon Chase. Chase Amazon. Are we authorized users on these? It's just one person's card? This is me. It's just you. Okay, just the wifey. What's your insight into any of these that are just wifeys?

37:16So, in reality, she manages the finances more. When have you ever had a backbone in life? You're not able to get any kind of insight. You're not willing to stand up for your living situation. You're not willing to stand up for paying off the debt and her business and it not being a productive use of time. You're not willing to stand up to try to get more hours at your job and go do things. You're not willing to stand up. All you're willing to do is get a PC tower and goon it out all day. That's all you're willing to do. I know you got Krusty Socks, dude. Dude, I don't understand that. Chase Amazon,$3 ,426 in 74 cents with a minimum fee payment of$122.

37:55So you're saying you have no insight into this because she just runs the finances and you're not involved. Why? Because she has, it's all her cards. Yeah, the only thing that doesn't go on the board are your cards because I have no idea what you do with those. So you're both equally the problem. You're the problem financially, but you're the problem because you're not willing to stand up and say anything ever and have any kind of responsibility or whatever or any kind of voice. Here's the thing. I don't give a shit about trad dynamics or anything. Anyone can live the life they want to live. But the fact is you're a stay-at-home mother.

38:25You're the breadwinner. If we're doing that, you have to be able to stand up and speak on the finances if you're bringing in the money. You have to be able to say, no, we cannot do this. This is what is coming in. This is the work I'm doing. You have to be able to, first of all, regardless of trad, whatever, both of you should be involved in that conversation as equals. Instead of just her steamrolling you. She's not steamrolling. Come on. I mean, is she the one that's spending most of the money? Yes. Yeah. Yeah. How long does this take to pay off? It's because you don't buy anything. How long does this take to pay off if we do minimum fee payments only while interest accrues without making any purchases?

39:02Which, by the way, you purchased so you're incapable of. But go ahead. How long does it take to pay off? It's got to be like four to five years. Okay. Like 13? Okay. It's going to be 14 years, so your kids... Rinse takes your laundry and hand delivers it to your door. Expertly cleaned and folded. So you could take the time once spent folding and sorting and waiting to finally pursue a whole new version of you. like tea time you or this tea time you or even this tea time you or even tea time tea time tea time you so update on Dave it's up to you we'll take the laundry rinse it's time to be great I'm going to be almost graduating high school by the time this is paid off if we don't purchase anything which yeah we purchased$430.96 why are we purchasing on a card that we cannot fully pay off that is accruing interest.

39:55That is my go-to card. Why would you have a go-to card? You're not a credit card person. You shouldn't have a go-to card. I don't think I'm not a credit card person. You have a credit card with a balance that is accruing interest. What more ironic statement is that? I have a lot more credit cards that are completely empty that I paid off. Doesn't matter. If you have one credit card that accrues interest, you're not a credit card person. That is the rule. Well, I don't know. I didn't make it except this idea. I think I'm pretty good at paying off my cards. I'm just better at putting more balance on it.

40:18I'm just better at putting more balance on it. $426.74 and purchasing$430.96 takes 14 years to pay off and$88.29 is a venture screwed on it. What the fuck are you talking about? You are so delusional. Anytime I make money, it goes towards paying off the balances. But you didn't pay it off and you purchased on it. I don't pay it off. I don't make that much. Then you're not a credit card person. Listen, what happened with this card? I was keeping it where I was paying it off every time I had an event. I hold stock in case. But then I got an event. You are making me more wealthy because you're a moron.

40:49Then you're welcome. And thinking, no, because you think you're a credit card person, even though you're objectively not because your behavior is insane and your logic is ridiculous. I just, I don't know. You are giving them money. I think it could be worse. That doesn't matter. That doesn't matter. I have done pretty well, you know. In what way? You live with your mother and you have credit card debt and you spend more than you make. Not by choice. It is by choice. You couldn't live on your own in Palm Beach. You only did because the church subsidized your rent. That was not in Florida You have 30 ,000 hours of really bad debt And some of it is to your mother I just saw So fuck off You are not doing well That is a ridiculous statement No you're not You are not doing well I can't have you I know we're making lots of jokes And we're friendly and I like you guys in general But the reality is You are not doing well And I cannot let you think you're doing well Because if you think you're doing well you are not going to have any effort or desire or that real push and incentive to really get to a better spot because if we're doing well, why do we need to actually do anything?

41:52You're not. You're doing shit and it's going to impact your fucking kid. How old's your mom? How old is my mom? Yes. 67? Almost. Yeah, she's not going to be around forever. She's a very late in life kid. Huh? I was a very late in life kid for her. Yeah. Yeah. Youngest of four. You should have used a bit more attention. Absolutely. I agree. The fact is, you're not doing well. It's not even wrong. No, you're not. You're not doing well. I mean, it's not that I disagree. I just think I have the capability of doing well. You know? I think we can do it. Wonderful, I'm glad, so why aren't we? Because we're just not there yet.

42:33That doesn't make sense. How do we get there? A tax return doesn't come every month. Well, like I said, I'm not in the tax return. I want to get my job. Okay, that's what you used to make any payments. I want to go back into the job. You know? I want to. I'm not yet because I don't have the child care available for that because my mom still works by choice. Maybe she shouldn't. She must retire in a few years. If we're doing collective household, maybe she should step up by doing that and allow you to bring more money. That's how we're doing it. If we're doing full eastern version of household.

42:59On their side of things, it's mostly just on my brother-in-law, her brother. She just has her essentially another side business, but it's actually a business? Well, no, that's her career, yeah. She went to school, did the whole thing. Now she has no debt. She only works when she wants to. She has her clientele. I hope so. She's almost 70. Yeah, she works when she wants to. She's a strong woman. She's almost 70. I would be going crazy if she was as f***ed as you. But you will be there if you can continue down this. What did you even spend on? I mean, I don't know. Of course you do. I have a... Well, I have like...

43:36I have, well, yes, it's mostly yarn and stuff for my yarn. $401 in interest losses here so far on one card. That's not surprising. $401 that could be going towards the future, compounding in the overall market. Yeah, I don't know nothing about that. You know more about the investing thing. Into a school savings account, into anything. I mean. Like there are times where like I will bring down the credit card, you know, pretty heavily. Doesn't matter if it goes back up. And then suddenly it's like all back up. Suddenly? Yeah. No, like suddenly. So you need to close the cards then because you have no ability.

44:07You can have the Fizz card. I will allow that. You guys know the Fizz card. Everyone knows the Fizz card. It just allows you to spend what's in your checking account. So it's like a debit card, but you can't. You can't do shit on a regular credit card. You can't manage that shit worth anything. Okay? And also, that is something I could do to help you with your career. If you want a course career certification, I can help that as well. I mean, yeah. And I'll put you guys also through therapy. Heck yeah. So it's been Lissandra mine. We need some of that. Yeah. No, we don't. Yes, we could use it.

44:34I'm going to give you those three resources I'm going to give you those three resources We just buy a lot of stuff Me, I buy a lot of stuff What's next? The spending Amazon, Amazon, Amazon, Amazon, Amazon, Amazon Amazon, Amazon, Etsy Patreon To who? That one's probably Crochet by Jenna Well that's bullshit because I guarantee you they do not put out better And more high quality and more frequent content than our membership. Well, it's not content. Well, you don't put out crochet patterns. I get free patterns. Well, why would I do that? I want to entertain people. And I want crochet patterns. Canva, Amazon, Etsy.

45:13What is Canva? Oh, I use that for like my Instagram posts and when I have markets. Pull up your Amazon. It's at a 26.49 % interest rate. I didn't get the Wi-Fi, so. Why? Because I wasn't, I don't know. I didn't see it. So it may load. I will say this is like the bulk, the bulk of the spending. The bulk of it is, yeah. And you're okay with that and you just allow it? You don't speak up? I'm sorry. Why don't you speak up? It doesn't help when she says, hey, I bought this, but at the other time, it's another time. Yeah, but you speak up about what we can do in the future. It's not about necessarily the past.

45:48Yeah, we correct. We look at the past to learn from it, but we don't beat ourselves up over it. But we do address the future, and you're not. Why not address the future, guy?

46:03it's hard. Why? We're very out of mind, out of sight, people. Why? The future is not. What does she do if you bring it up? You've seen it. You've been here. You've had it. It's a small taste. That's kind of how it goes every single time a conversation like this comes up. I'm really good at rationalizing what I purchase. That's my thing. Well, I have a note that he told Lindsay, the producer, that you just cry when you get into big arguments. So yeah, I would probably be a little hesitant. When I get overly frustrated, I start tearing up. And it sounds like overly frustrated happens every conversation.

46:33And that would be hard to get into because even though crying is a real emotion, it can also definitely on the other side feel a bit manipulative and it gets very difficult. I've never cried about buying something. The biggest problem is when she sets her mind to it. I got frustrated with the mini-bid. It's like literally punching a brick wall and speaking to a brick wall. Here you go. Like, I have tried every route that I could to try to get you to, like, de-rationalize buying something, and then it just doesn't work. And the thing is, if I ask you, like, hey, can I buy this? If I go ahead and ask you ahead of time, you say no, I won't buy it.

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48:15Get your free assessment and find the best option for you right now at pdsdebt.com slash hammer. That is pdsdebt.com slash hammer. pdsdebt.com slash hammer. Let's get back to the episode. Which is true. I was going a while without buying because I want to redecorate our room so bad. And I was going, I had all this stuff in my, I had like$400 of stuff in my Amazon cart, but I would not buy it until you gave me the okay. And then you went ahead and bought like half of it without me knowing, which thank you. That was a gift. It was very kind. It was a gift. Can I get it? I'm like five, six months into the girlfriend situation.

48:50I like to gift them. I like to gift. I like to gift. All right, so I got your Amazon. Yeah, there will be things for our kid because occasionally I'll just be like, man, I want my kid to have this, so I'll just buy it. It doesn't happen all the time. Plant fertilizer, incredibly important to survive. That was part of your gift. We got some batteries. We got Earth bath mat, incredible for survival. Neem oil, incredible for survival. window privacy film incredible survival cat six dude has to be locked in for his he has to get his frames yeah dude floral washable runner rug incredible needed for survival same with flower i think we're in the fucking flower game apparently leaf shower curtain incredible for survival we definitely had nothing i don't give a how about you repay your debt off instead uh fucking iphone case probably didn't have one floral iphone case probably didn't have one screen protector screen protector Just gaming keyboard.

49:44Fuck you. We got new phones. He has his RBG. Sick gamer keyboard. That was my gift for him for our anniversary. Yeah, it's both your money. I don't give a fuck anniversary. Hey, happy anniversary. Let's pay off debt so we can give our child the future. I don't give a fuck. 96-piece 25-millimeter 3D glitter safety eyes for gross sake. Oh, for fuck's sake. What a joke of a business. I paint the eyes myself. Baby blanket flossing lilac lounge yarn. Gaming microphone. We got a real big gamer here. Again. How do you eat keycaps? Well, he wants to get a streamer, too, huh? That was supposed to be the only thing I bought was those keycaps.

50:18And we got more decorative blanket ladder. This is all bullshit. We're decorating my room. The fucking deodorant's the first thing where I'm like, yeah, you should probably have it. That's funny. You probably get all stinky. Put that on there just so I could get same-day shipping. Yeah, you put it on there just because it wasn't the first bullshit thing, if we're being completely honest. We were. More crocheting bullshit. Doug, my first daily magnetic calendar. That's for a kid. Don't care. Yeah. Like, I don't know. I really want to redecorate right now. I don't care. Well, I mean, we've moved.

50:48What, we moved, what, six times? I think back and forth. Still don't care. Back and forth, back and forth constantly. All we were doing is getting rid of all of our stuff. We're finally in a spot where we're not going. Oh, oh, I don't care. I hear you, but I care. But I don't hear you because I don't give a shit. I care about my space. It makes me happy. It gives me all, you know, that dopamine. You wanted to redecorate. I really didn't. Listen, the word you said was redecorate, so I don't give a fuck. To me, it's not redecorating. It is just decorating. It'll happen. Hey, how much is in your retirement?

51:17Absolutely nothing to my knowledge. I got$300. Fuck you both. I don't give a fuck about decoration. You have nothing. You're losing your best decade of life for compound growth. You're about to lose your second best decade on this path. It's all bullshit. And that's all through just last month. Look at this. It's a fucking mini trampoline. Fuck them kids. Oh, he loves it. We do not. He's on it constantly. You don't say that to him. He needs something to jump on, dog. Oh, yeah, he's a jumper. He's been jumping. Yeah, no, he's fallen off the bed. Good, he'll learn. He has learned several times. Good.

51:52He would think so. But, you know, trampoline he loves. The trampoline's in the basement, so he doesn't have a bed to jump on in the basement. Shut the fuck up. No. I don't care. I'm sorry. It's so pointless. I use that swing. None of this matters. Getting on a dad, having a fully funded emergency fund, having retirement, having school funds, that's what matters and you don't care because you guys are selfish and put even your joy of seeing him have a gift over actually providing for the household, which you need to. What a joke. 26.49 % interest rate. What a joke. Who's the Capital One Quicksilver?

52:23Both of us have one, so. Okay, who has the balance of$1 ,406? That's mine. That's you. Yeah, that one was our vacation stuff. Like I went to go visit my dad last Christmas. Where? Oklahoma. Yeah. That's where we moved back and forth from. We moved from Oklahoma to Florida to Oklahoma to Florida. We did a whole lot of that, which is part of the debt, was moving back and forth from Florida to Oklahoma. Yeah, what else is he spending? Well, yes, no, there is a lot of spending. Some of these cards were just moving, though. This one is like the Airbnbs, and I think for our trip before that. So this is all just travel?

53:04This takes 10 years to pay off. Oh, yeah, it's mostly travel, that one, I think. Oh my gosh, I have a note that you guys said they spend a lot on, well, you guys spend a lot on food up until recently because you don't like cooking. Of course, that recently is everyone changes their behavior one to two weeks before coming on the show. F*** you, doesn't count. But you don't like cooking? You're a mother. Listen, you gotta give the kid nutritious food. Even if we're gonna be fat f***s, at least give your kid something because they don't get a choice on their food. That is the biggest perk of living with my mom.

53:35She cooks all his meals because he just eats Then you are a child that you are then going spending money on food. That's like her thing. You eat out daily? Yeah, we eat out daily. You are children. You are children and you can. You can if you can afford it. You simply cannot. I got a weird thing with food. If it doesn't sound appealing. If it doesn't sound appealing, I just straight up won't eat and he won't allow that. So he just goes out and gets something. Okay, because you're a child and you can't stand up and be like, yo, sit down. Well, I'd rather her eat than starve. She won't starve. She will eat.

54:07No, that's valid. That's me. I'm the only one with that. No, my thing with food is awful and I hate it. But like I. What is your thing? Explain it. So I like, I don't know. I hate eating. I like, I hate, I hate, I physically hate eating. Well, clearly not. I'm sorry, but. Leave me alone. I've lost 60 pounds. Well, I'm only allowed to say that just like, but I'm allowed to be fattest. Thank you for allowing it. Because I'm fat. Like, but I hate like eating. I hate thinking about food. I hate preparing food. I like good food. I like to eat when it's good. What do we define as that? I hate eating breakfast, lunch, and dinner.

54:43Einstein bros bagels every morning, which apparently you do every morning. That's him. I don't eat breakfast. If I don't want it, I will not eat. I'll just skip the meal. What do you want? I don't know. It's in the moment. It's literally in the moment. She really is a child. You can't enable this. You have to go to therapy and you got to start coping. You got to figure this out because this is not a lifelong thing. Because it's clearly not healthy. No, it's not great. It's not financially, it's not physically, it is not good. Like for breakfast, I will just make like a protein, I'll drink a protein shake at most.

55:14That's fine. I will just drink something. Good. That's fine. Good. Exactly. I will 100 % own up. You get food out every single morning. Most of the food stuff. And lunch, every day. It's like breakfast and lunch, me out at work. That's it. I eat most of my meals at home unless like we're eating dinner together. Then we'll get food out. But you eat out way more than I do. Anything Einstein Bros or Publix is probably me. Yeah, Einstein Bros and Publix. And all the Publix, if it's under$50, it's him just getting lunch for the day. Under$50? Yeah, if it's under$50, then it's him. I was going to say that.

55:50The fuck are we doing? I don't know, because most of your things are like$20 and less. They're averaging$20. They're like$20 and less. That's so insane, a$20 lunch daily. Well, it's like breakfast and lunch. It's breakfast and lunch. That's insane. And dollars per meal. We can get that done. I can get you to$300 a person in our cookbook. I've told him several times if he tells me what he wants for lunch, I'll prep it for him and put it in a lunchbox. But you're both children and you're fully enabled because, again, you tell him that, but you don't push back against it. I mean, no, because I also don't want to make him lunch.

56:15You guys are going to enable each other into a fucking homeless situation, into losing everything when mommy's no longer there. Is brother going to be with you forever when mom's out there? Probably, yeah. We room with him really well. So we would probably just stay in the house that we're in as long as possible. He probably just looks at his computer all day, right? Yes, he does. I mean, yeah, that's easy to room with. And you're turning into that. He is a solitary guy. It's kind of hilarious. Yeah, he's great. Okay, well the Quicksilver,$48 minimum fee payment,$34.32 of interest is accruing, 29.24 % interest rate.

56:53Sounds about right. It's insane. Yeah, it sounds about f***ing. We're still choosing to do it because we could be paying this off, but we're going to Publix every day and getting$20 f***ing breakfast lunch. bullshit bullshit bullshit bullshit I could get I could literally following our meal plan I mean several months ago it was worse because we used to get breakfast every like morning of the weekend as well like breakfast lunch and dinner every weekend every meal down to $3.33 on average yeah through meal prepping I mean also on that card I think it was paid down it was paid off completely that card this is why you're not a credit card person you're proving it oh she says I know and like it was it was completely paid off and then somehow in your pocket you paid for Walmart Plus.

57:36Like the app opened. We never would have done that. And we called, tried to get it taken off and it was just like, well, no. So we did use Walmart Plus for a very long time to get like groceries and we were eating out a lot less. When you walk into a Burlington, you're walking into amazing prices and great gifts. That's main character energy. Because at Burlington, the holiday savings aren't the only things turning heads. Discover quality finds and perfect presents for everyone on your list. Even those who are hard to shop for. Toys and jewelry to new beauty brands and styles. These gifts go seamlessly from our stores to under your tree.

58:09Seriously, with these savings, why shop anywhere else? Burlington Deals Brands Wow. That's when we had Walmart Plus. But that gave me permission to put more on the card once there was a balance on the card. Permission for you. I know. You don't understand things. The way you look at the world is crazy. Yeah, that sounds about right, actually. I've been told that several times that one was on you that one was somehow on you if people are confronting you on that on a consistent basis why have you done nothing to try you say you hear that from people I have if I hear multiple things from independent sources that means uh oh it depends if you just see the world differently I don't know I hear that from people that's it that's all I'm saying I see the world weird Everybody does.

58:59Yeah, but you can see it rationally. You can see it in a way that's beneficial to your child. It's not that I don't see it that way. I just, I think I'm a bit more lax on it, of just, I'm allowed to do something that I shouldn't do. Allowed by what metric? Free will. Yeah. Free will, worth. Your free will, though, you have dependents. I do. You're acting the same age as your kid. No. Your mentality is there. Our kid screams anytime anything frustrates him. I'm not doing that yet. Well, and you wear children librarian glasses. So, I mean, we have, you know, we're all on different levels. Nah. There's a lot, like, I don't know.

59:42I want to bring this shit down. I want to bring it down to zero. I would like to bring it down to zero. Would like to, but you care about getting below 30 % so we can get a car. Well, no. My thing is I want to bring it down to zero, and I want to keep paying it off. Which is not more than you want to spend money. But I, and I do want the car. but it's like, you know, I want the car so I'm able to do, you know, more things with my son. Shut up. A minivan doesn't enable more things with your son. Well, a second car enables that. I just don't want to get a car that I don't want. We don't need a$30 ,000,$40 ,000 car.

1:00:09Well, that's why I want to find one cheaper. It's a tool. It is, but I've already gotten a car as a tool. I want now a car as a luxury. No, what luxury? You don't work. He doesn't bring in enough money for Brian Beach. I want to work so I can pay for the car that I want. At no point will I ever get a car that we can't afford on a monthly basis. You already are because you're spending more than you bring in. And the only reason you're able to put any kind of money towards that is because you got a child tax credit. You have no idea what you're talking about. All the money that I made also went towards all the credit cards.

1:00:39You have no idea what you're talking about. I'm sorry, you don't. Man, we left Florida to get out of the rain. The debt was at$0 a year ago, they said. So clearly we're just... It was over a year ago at this point. It was like two years when we moved here. Obviously, I mean, we're going in the wrong direction. That one and I think one other was also at zero like two years ago. Why do you care about your luxury of a car instead of your child's life and his life and your mother's life and your brother's life? Well, I want that to be part of it. No, you are clearly desiring the luxury car of the selfless desire to be behind a wheel of whatever you want over them.

1:01:18Because to me, it doesn't make sense to get a car that, you know, we make work for our family. I know. And I want the tool to work better. Like, I want one that works for me. Listen, if there's a hurricane coming, I have to pack what I can get. I would like the bigger car. That's what makes sense. Oh, guys, a minivan is what gets us away from a hurricane. It's a bigger car. I would like to be able to fit my whole family into one car if that's necessary, you know, with my mom and my brother. Like, I want something big. It doesn't make sense to me to get something smaller. For escaping, technically everyone could fit in a sedan.

1:01:49Not in our car, especially not with the giant car seat that we have. I can't fit my mom and my brother back there. Yeah, we can have a temporary, we can have a other kind of car seat for emergencies. Listen, if we're only going to use that, I'm not even advocating that, but if you're going to use that as the excuse, obviously there's alternatives. You know. Okay, your Quicksilver, you put your minimum payment towards it, which is now$28 higher. Yeah, that one's good. Why is that? Because you purchased$320.30. The balance is now$799.32. I think that one's mine. With six years of minimum monthly payments.

1:02:31This is all you. I don't know what you do with your cards. You know what I do. And if it is anything on that card, it's just getting the food. It's food. It's just the food. I don't know. Did you put computer parts on this card? Computer parts. What do you even have? I have an AMD Radeon 77. Radeon? You went Radeon? People really go Radeon these days? 7700 XT. I don't like NVIDIA. I don't like the idea of them in general, so I went AMD. The idea of them? Yeah, bro. The 5090 came out. That thing looks garbage. Absolutely rude. Six years to pay this one off. My computer is very nice, by the way.

1:03:15Yeah, and your son uses it to play Sesame Street. Yeah, dude. What do you play? I just beat the DLC for Elden Ring and Night Rain just came out. Wendy's. Getting lunch and breakfast. Dunkin' Donuts. Caribbean Fire. Ramen Lab Eatery. Taco Bell. Lunch and breakfast. Chipotle. McDonald's. Papa John's. McDonald's. Carlin's Handcraft. Dunkin' Donuts, Wendy's, lunch and dinner, or lunch and breakfast, breakfast and lunch, Einstein's Bros, lunch and dinner. It's all f*** you bulls***. It's all f*** you bulls***. That is our biggest thing, yeah, is the food. Why'd you open this card? So the only other card, I only have two.

1:04:01My Discover card is the other one that has way higher balance and all that other stuff. I just thought in case of like an emergency, I guess. Yeah, except this is a long time ago. Except this is what you told the producers. You guys can't follow instructions? It says put it on Do Not Disturb and silent before we film. Mine is always on silent. Of course. I did not realize it was on. Bad behavior, bad with finances. Who would have thought they would be combined? Also, I don't remember hearing that either. You told the producers that you likely felt that she pressured you to open this. I mean. We changed our tune now that we're on camera?

1:04:39No, I just don't remember when we said that. He said it. You said it. He admits that he probably felt pressure. It was kind of like, this is this card at the time. It's kind of like a side thing where it's just like, she has a lot more than I do. And I just felt like I wasn't adulting correctly if I only had one Discover card. She's adulting correctly? She's a disaster. He fed off my bad behavior. That was it. Because I mean, we've been together since we were what, 16 and 17. All right, predators. Sorry. Yeah, dude. Dude, she was 18 and I was like. I was 17 when we started dating. When she turned 18, I was 16.

1:05:18I'm setting Twitter after you. Well, I mean, his mom wanted to get a restraining order on me at that point in our relationship. That was very fun. We're a great place. I love her. Things were great. Love you, Mom. Yeah. Yeah, you felt pressure. So, yeah, I started, I had really bad habits. So, like I said, we've been together since high school. Like, right out of high school, I had two cards. I thought, like, I should probably have another card. Essentially, just in case. and then I try to use non-credit card stuff first, but when I get to a certain point in my checking account where I'm at like$50,$100.

1:05:58But this is all bullshit. This is necessity. Right. I understand it if we are spending everything on necessities on our debit card and then all of a sudden there's no more money. Okay, we use the credit card for an emergency because we're in every discipline. We don't have a fully funded emergency phone. Got it. That's the consequences. Then we do everything in our willpower to pay off the credit cards. Okay, cool. None of this is that. This is the complete opposite. I mean, the rationalization of it is that... You ran out of money, so you spent on your credit card bulls***. I mean, the rationalization is that that's what we eat and we don't buy groceries, you know?

1:06:25During this time, we literally, like, rarely ever went to the grocery store because we kind of caught ourselves in the fact that a lot of food was going to waste anyways. Yeah. We were buying groceries and going out to eat pretty much every day, so we stopped buying groceries. Obviously, it's always better to just buy groceries and stick to that and yada yada. Obviously. At a certain point... And we don't do the obvious then? I mean, at a certain point it was like... I get paid every week. So? And immediately out of my paycheck... It's so budget monthly. Right. Immediately out of my paycheck though, everything comes out.

1:07:00So it's like everything gets paid and then it's like whatever's left over is basically what we got for that week. Here's the thing. A lot of it goes to food. Obviously we don't know how to budget. Use our budgeting app. You get the premium version for free forever. automatic connections, use the community features. It's pretty good. We're implementing even very soon an AI bot version of me that you can talk to. And based on your budget, it will give you what I would say. You need that. Use it with the app. These are the resources I'm giving you for very clear reasons because it has worked. It has worked for literally, I think, close to 50 ,000 people.

1:07:38It has worked. Do it. Then when you're ready, you can take the investing one. When you're ready, you can do the real estate one. but you have to at least take the budgeting and you have to at least take the debt classes and use the budgeting app, okay? If you come back on the follow-up channel and I don't see that you guys have used it, I'm going to freak the f*** out. Fair enough. I did download it at one point, but it wasn't where it would not let me connect to your accounts at all. Yeah, that was an issue a couple months ago. That was a Plaid issue. We switched to a new service where now if Plaid doesn't work, there's a fallback, so no one should have account connection issues anymore.

1:08:11Gotcha. That was an annoying little thing. I think they were saying in the community, it was like, hey, we're working with the patches. And I was like, okay. No, we fixed it. I'll come back when it works. Building something from scratch is always a little messy at first. I will say, though, it's just like, obviously that looks bad, right? We all know it's good. We all know it's not good. Yeah. But like I was saying before, it's like, if I'm buying groceries and we recognize the fact that it's just going to waste and I'm buying nonsense, is it really? Don't make it go to waste, you moron. Is it really better though?

1:08:44Yes. When you don't make it go to waste, what are you? I mean, I'm telling you exactly how it goes. What's your ethnicity? We're not doing it on purpose. Oh, I'm a Puerto Rican Dominican. What do you got to say about that? What would they think? What would they think if all your food was going to waste? What would they think? Well, my mom, she never really taught me anything about budgeting. I'm not taught, but all your food goes to waste and you throw it away. What would they think? Your ancestors. I mean, well, I have no idea about my Dominican roots. We don't know much about your Dominican side.

1:09:19My Dominican side is long gone. I was going to try to make an example. A lot of people have food insecurities all around the world and you're allowing your food to go to waste. It's kind of disgusting. Okay. Yeah. It makes it better. I'm half Brazilian and then German on the other side. Over the past year and a half, my team and I have worked with experts to create the literal best for financial education programs on the entire internet. And even with a full month for a money back guarantee, we have the lowest refund rate in the entire industry by far. So I'll teach you how to budget no matter where you are in life, how you should be investing based on your investing profile, and how to get into real estate for the very first time or grow a massive rental property empire like I have in my own life.

1:10:06And I can also teach you how to get out of bad debt, but also utilize good debt to your advantage. And each of these is available individually in the education section in the description below. But at the top of that section, you can also bundle all four of them together for 15 % off. So join the over 10 ,000 people who have gone through my educational programs and have changed their lives. And to learn more, just go to CalebHammer.com or just click those links in the description below. All right. Discover it. Discover was my very first card. Well, good. Well, when I got it. That means we should fuck our life with it.

1:10:39When I first got it, like my mom was the one like paying for the minimum. I was like 18. I didn't even have a job. Great. So you've been enabled your entire life. $5 ,107.93. And now she's helping take care of your rent. Well, your brother, because they're attached to the hip. I consider them one person. 21 years to pay this off. Your kid will be in their mid-20s. Yeah, that one's fun. Yeah, and you can't do anything but purchase way more than you put towards it. The monthly payment is$123. Purchases is$525 on a credit card that cannot be paid off. That takes 21 years to pay off. That is a green$102.26 in interest a month.

1:11:14What the fuck is going on here? That one actually for a long time had no spending on it. For several years, I had no spending on it because I had a balance less than$1 ,000. And I think we started spending on it again when we were moving back from Oklahoma to Florida for this final time. We started, and I put the U-Haul on it and moving expenses. Okay. Sorry, keep going. I mean, no. Although we did move in together very quickly. Like, in that regard. Go, go, go, okay. But we... You're purchasing on it now. Yeah, but we are, yeah. No, like I said earlier, it gave me permission to use the card again.

1:11:48Like, in my twisted... Well, I don't know. Like, when it's at zero and I'm, like, doing good, it's like I keep that flow, you know? Object in motion stays in motion. So I keep that flow. If I get screwed up, now I start using it because now that's the card I pull out of my wallet. Newton's first money-spending law. Yep. Yeah. So that one just is the one I use now, especially since they give me a credit increase. Luckily, it's still not maxed out. You streamed? That's the goal. Oh, dear God, no. You have the mic. Yeah, but that's to like talk to friends. That was me. I was going to say you're kind of funny.

1:12:25Hey, thanks. Maybe you could have done it. I... To be fair, I'm trying to do more with my like crochet social media. Okay, yes, because we're talking about you right now. Listen, I want to be involved. She's the one that's going to like try to have... All about her. She's going to try to have like an online Etsy shop. I'm just trying to enjoy my life, man. Yeah, the online stuff. Let the man have a moment. No. For fuck's sake. No shit. You don't speak up in this relationship. Who would have thought? You're quiet. That's the thing. He's always been. I'm always the one that talks like, you know.

1:12:56Yeah, this goes back to like childhood trauma type stuff. How quiet is he in the nightly peg? You're not very loud. But we also have my mom like next door to us, so. True. You gotta be quiet on here. Yeah. Yeah, I got no choice. Okay. See what we purchased on. Ollie's Bargain Outlet. Fuck you. Yarn. No, no. Yarn. Joanne. Joanne closed. Yarn. Yarn. Yarn. Joanne closed. So I had to get it all as cheap. Joanne closing was our downfall for a solid couple months. I had to go get it. Honestly, good. It's like taking the fucking drug away from you. You should have just accepted the withdrawal. I had to go get it while it was cheap.

1:13:37This is a disaster in your life. This is a disaster in your life. Fuck you, cheap. There's nothing considered cheap here. You're fucking your life. You're accruing interest. You're paying fees. You're paying fees. I mean, the only stuff is also stuff for ourselves. Every piece of yarn you get, you are essentially paying fees. Probably. With your interest. That's how we can mathematically make this work. Although not every time. Sometimes I use debit when I buy my yarn. Every time you buy yarn on here. Yeah. This is so fucking moronic. This makes no sense. You are a mother. You would be a big fan of going into the basement.

1:14:06I do. I have a big yarn wall.

1:14:13Okay. Yeah, I really...

1:14:45The big wall of yarn Okay Surrounds myself with hat balls Okay Gosh It's a 29.24 % interest All my interest actually went down recently Oh, 24.24 Yeah, they all like went down by 1 % I don't know when or why Interest accrued this year And this card alone,$400 I mean, we're easily over$1 ,000 in interest accrued On all these cards combined $1 ,000 taken away from you guys making about$40 ,000? Like, come on. That's horrendous. We can't do that. We need that money. We need that money. A couple hundred dollars in retirement? F*** me. What a joke. Okay, who's... Oh, f***. Who's the... There's another discoverer.

1:15:33This is yours? That one's mine. Oh, you're both absolutely ridiculous. I was going to say, that was my first big card. That was also your first big card. Well, you started as an authorized user on my card before you turned 18. I'm going to murder. $5 ,584.70. Minimum monthly payment of$118. These are stacking. 19 years to pay this one off. Good luck to everyone. $103 to purchase this. Balance went up. You put a little more than your minimum monthly payment on it, but the balance went up. You purchased$97.89. $97.89 the interest hit. Then you purchased$103. What the f*** are we doing? What the f*** are we doing?

1:16:17What are you even purchasing? Do you know? It's usually the side food stuff. It's going to be food. Like I was saying, every week when I get to that low point of the actual money. This episode is my low point. Oh! One second. Cramp? Yeah. You need to drink more water? That's just coffee, man. You need water. I threw my water at you because she was being annoying. You did throw your water at me. That hurt.

1:16:53Bole WPB Bono Pizza and Pasta Microsoft Ultimate and Taco Bell. Shout out Bonos. Microsoft Ultimate. Yeah, his little Game Pass subscription. We do need to cancel this. Pull out your phone. Yours or mine? Both. What you want? Give it. Ooh, open it. Yeah, I got it. I got you. Stuff. Whatever.

1:17:25She has premium, Patreon, Apple one. Yep. Okay. The Apple one's like the whole family thing, so my mom's on it. Your little cousin is on it. Like, it's music. So it's Apple music? I know what Apple f***ing one is. Well, yeah, well, we switched to it because we were doing, we were paying for music and, like, arcade. And at that point, that was, like,$25 a month. And we were just like, oh, we could essentially have Apple TV for free at that point if we're paying for these two. So we just switched over. Might be better than Caleb Lee. Might be better than Caleb Lee. Tamerally, you f***. And it's not.

1:18:08We just only watched Ted last. So that's the only reason I wanted Apple TV. No, I'm really excited. At the end of this month, we're launching all these new shows. It's going to go f***ing crazy. Nice. We're the second largest on the entire platform for a reason, ladies and gentlemen. I do pay for the post shows. Well, yeah, that one's fine. It's not the good tier, but it's a good entrance. Yeah, because I have you on on the background pretty much all day. Oh, then you better update Julie. Because literally three shows a day, Monday through Friday, every single day, dedicated shows. I watched an episode with my mom, who wasn't super happy about us coming here.

1:18:46Why? Well, because she helped us start our credit journey. She wasn't happy about you coming here? No. Not at all. Tell me. No, because she didn't like that we were putting ourselves online and portraying ourselves as stupid. She's very... She's very image. But these guys are being stupid. She's very controlling of her outward image. So she didn't like that we were putting ourselves online. She also likes anonymity and keeping our lives private, which is valid. I've always been like that too. I just kind of was like, this sounds like fun. It is so far. Yeah, I like getting yelled at. I think it's funny.

1:19:20It's fun and it's interesting. I always see videos out there where it's like, Caleb's mean to his guests and they made the bad thumbnails and stuff. You guys didn't go through the whole process and watch the episodes before and go through this. it's that classic meme where it's like I consent you consent and then someone out there is like but who did you, did you forget to ask me? it's like what the f*** that's Jesus, that's who it's gotta be it's Jesus, yeah, unlock it I had to connect you to the internet, I need to look at your subscriptions I ain't got none I was gonna say you should I'm confirming Apple 1 you're attached to already with the family thing most subscriptions he had Apple Arcade but that's it that's why we switched over instead of paying for it Well, he definitely has fucking Microsoft Ultimate and he goes to food every second of his life and he has insane credit card balances.

1:20:07Okay, Capital One, what's this? Probably mine. That's probably mine. Well, no, because we did your Quicksilver. $1 ,084.30. Minimum monthly payment$37. Everything else is from now on. Okay, well, no purchases, but of course, interest is growing. $26.23, eight years to pay off at the rate you're going. That one and the Quicksilver would have had no purchases. or does have no, I don't remember. Those ones have been sitting for a long time. No. No, you guys just paid off your phones and then you f***ing went in and got brand new? No, we f***ing did not pay off our phones. We traded them in, so we paid off the, like, or paid something.

1:20:49We paid something. We paid like 400 bucks and then like got a$1 ,000 thing for this one. But you're on a payment plan? Yeah, but we don't pay for it. Who does? My dad. Father. We're going to start contributing though. You guys have no independence. You're still children. Last time I told my dad, I'm like, now I'm going to send you stuff every month. You guys are children that has had a child. Oh yeah, for sure. 100%. I was 22. Must be so proud.

1:21:18Nordstrom, you have a fucking Nordstrom card? Yeah, I rarely use it though. My aunt was visiting from Brazil. She wanted to go shopping and I had to buy a dress for her wedding. It looks like this one's paid off every month. Yes, I pay that off as soon as I never. But you did still purchase$132.58 that could have gone towards something else. It was a dress and shoes for a wedding. You did not have dress or shoes? Not for this wedding. It was a black tie event. I only have sun dresses. I also don't have that many dresses. I'm biased, but I can actually attest to that. Yeah. I'm biased, but I can actually attest to that.

1:21:52Yeah, I don't have very many dresses. I'm not a dressy person. Okay. And my mom offered to pay that for it, and I was like, no, she didn't need to. She usually does when... You've been enabled your entire life, so I'm not surprised. Well, when she takes me shopping, she's like, it's my treat. That's why I'm taking you shopping. Okay, yeah. You owe your mom$2 ,500 for what? So that specifically, it's like$2 ,000,$2 ,500, something. I don't know. Yeah,$2 ,500. It's not specific. But for what? She took a balance off one of my cards. Oh, my gosh. It's paid off. It's still at zero. Yeah, but look what you're doing on the other cards.

1:22:26You haven't changed your behavior. You're spending more than you make, and you have nothing to show for it. But that one specifically was. Yeah, but your mom bailed you out. You guys are fucking enabled. You guys are getting... My mom loves a balance transfer card. My mom loves a balance transfer card. That's how she did all of her things always. You guys will never make progress in life because you're just enabled by each other and by dad and by mom. It was done to be an association, though. Huh? What? Yeah, because your brother... Oh, well, no, it is my brother got a balance transfer card. My mom got a card, and my mom was like, do you have a balance to transfer?

1:22:56And she took my highest interest card. Why is your mom involved in your guys' finances, though? She always has been always willing. But you guys are married. You're moving on. You need to separate. Just financially. You guys need to have some kind of independence or you'll never learn anything ever. This happened like a year or two ago, like when we moved in. And yet you still owe us, so that makes it even worse. Because she never asked for it. Doesn't matter. Does she have to ask for it? She says, no, pay us something else. Does she have to ask for it? No, she doesn't. I tell her if I'm going to give her money.

1:23:21Exactly. How about you for your responsible daughter and mother? I would love to give her money, and she's like, no, put it on something else. She doesn't want to be paid. And that is another form of enablement. And guess what? and then you put it towards something else and then you rack your debt up again. So it matters nothing. You need to pay her off. You need to pay off all the other debt. You need to be responsible daughter and mother. And you need to stand the f*** up and put down some rule. Have some opinions. I mean, this is probably what the therapy's for at this point, dog. Because, like, this goes back.

1:23:51We'll get there. This goes back far. I know. So it's like, it's a little harder on my side to, like, go. To stand up? Yeah. To my mom specifically. To both of you combined. Yeah, that's fair. It makes it harder when it's combined. Why? Because now I'm arguing with two strong Brazilian women. Because both of us will bounce off each other if my mom agrees with me. We tag team. That's why we can't be living with mom! I don't see that. She's not involved in the relationship. You cannot live with mom if she gets involved in these conversations. It is not a sustainable relationship household. She wants to retire in three years and move to Portugal anyway.

1:24:32So, you know, right now. It's not like this is how we plan on. She lives a life that she enjoys. We don't plan on staying like this forever. No. I don't want to be like this forever. I'm okay with living my brother. You can't have conversations because she's there. And you're going to live like this forever. You've gotten comfortable two and a half years in. You guys have done nothing to change it. That's a lie. I mean. Keep telling yourself that. Good luck. But you have an 84-month term on a car and you want a second car. Good luck. That car. Yeah, what is this car? So that's our 2020 Hyundai Tucson.

1:25:04We got it in 2020, in October of 2020. Our CRV broke down. We had a fun story with our CRV. I probably don't want to hear it. Well, I mean, I totaled my car. That is fun. Well, I hydroplaned and I hit a highway median at like three o 'clock in the morning in the middle of nowhere. Oklahoma. Yeah. So my uncle offered to buy just a beat-up car because we were on a road trip from Florida to Oklahoma, and he offered to buy us a beat-up car to get back. Okay, listen. And that car. Listen, we have a car loan. I'm sorry. We do. I don't care. So close to finish. I can speed it up. I never let women finish.

1:25:43Well, you know what? That sounds like a skill issue. Watch, watch. So this car was a piece of crap for like several years. Oh my gosh, I don't care. I'm sorry. I'm so sorry. This is why we got this car. You have this loan. Babe, he never lets the woman finish. watch this. We had a beater. It broke down. We got rid of it. We had to get a car. That is interesting. We walked into a dealership. We needed to get something to get back home. We got something. Tell me more. We got a really good deal. I will say that. We got a really good deal over here. No, that's the point. And so then we had a car. And now we didn't have to worry about a car that can break down or die on us.

1:26:22We can go where the hell we wanted. It's a good story. I'd listen again. We gave the card back to my uncle. Appreciate it. I'll leave you a good review. Five stars? Five stars? Hell yeah. Okay, you owe$10 ,794.06 with a$369.19 minimum payment. You do have an equity position of maybe$2 ,000 to$3 ,000. The worst part, though, I'm going to say$2 ,000. Probably a little less. Last time I checked, it was worth$14. We're getting about$13. Does that include the fender bender? It's got a cosmetic It's cosmetic You're probably about breaking even And that's privacy What's the interest rate on this thing?

1:27:04Like 4.05 That's not horrible But what is horrible is the 84 month term Because that means that's a lot of interest to accrue for so long Especially at the time We had barely gotten jobs It was like mid-pandemic How's the car? How's she doing other than the cosmetic? 40 ,000 miles on it, she's great. What the fuck is this? What am I seeing?

1:27:27You guys sent the screenshot. I never sent any. Yes, you guys did. I didn't send any screenshots. I sent only statements. March 2025. Balance,$3 ,010. What's this? Are those my loans? My student loans? I see the rating and the scheduled payment, so probably. Okay. Yeah, those, I, yeah. Oh, for f***s sake. Four different papers. Yeah, because they're just individual ones. Well, I had, yeah, subsidized, unsubsidized for two different schools, so. Gross. Yes, one of those was a massive, well, both of them were massive mistakes. I will give them, I'll give it that. So is his marriage. Anyway, no, I went to.

1:28:10I'm living with mother-in-law. Yeah, I went to. So, okay. Yeah, what was your schooling situation? So I went to college right out of high school. What was your major, babe? I went for graphic design, something like that. Graphic design can be okay. Yeah, I went for graphic design. Can be. There's jobs in that. I was expecting something a lot more bullshit. And then I was going to shift my major to early childhood education. I was going to do elementary school teaching. That's okay as well. But I'm not good with schooling. I'm really not. But I had to essentially go to college to live in the dorms.

1:28:42Okay, why do you not have a payment? I was like on the save plan or something. So it was like. This episode is brought to you by State Farm. listening to this podcast smart move being financially savvy smart move another smart move having state farm help you create a competitive price when you choose to bundle home and auto bundling just another way to save with a personal price plan like a good neighbor state farm is there prices are based on rating plans that vary by state coverage options are selected by the customer availability amount of discounts and savings and eligibility vary by state like a zero dollar payment or something.

1:29:19I think your payments are going to start in a couple months. Have you received an email? No, I just had to look because I had to find the balance for you guys recently. They looked like it said it was due October of 2026. Yeah, so it's like the end of next year. Okay. I will start paying them when they want a minimum payment. It's probably going to be about a hundred bucks a month. They said, yeah, I was like 74 for one, like 25 for the other, something like that showed. regular payments. That's all your debt? Correct? No more debt? No. Checking account,$204. Savings,$260. Well, in this one. This checking account's not much.

1:30:00It's just moving money back and forth. Nothing crazy. That's mine. So we're separate? Well, we have our separates and then we have a joint. Okay. Amazon, Apple, Bill, Shippo, Com. Apple.com. Shipping product. Apple.com. Sales. Joanne before she died. Apple bill. RIP? Yeah, rip Joanne. You needed it though. RIP thankfully. Agreed. I love Joanne. He's getting a voice. He hated going to Joanne. You hated going to Joanne. I would drag you every weekend. That was my only outing. I don't leave the house otherwise. And if we go out, I go where I want. So I would go to Joanne or Michael's. I prefer Joanne though yeah lock yourself inside and cook yourself meals cause you need to eat at home I do mostly I eat my breakfast and lunch at home every day dinner that's up to him if he goes out and eats or no you need to step up and be a f***ing man sometimes we'll get like we'll eat frozen meals like that's about it okay I do not like 454 dot well total 331 in this checking account uh it says f***ing ramen selling out money Dunkin Donuts Grand China, Kid to Kid Chipotle, Taco Bell, You Connect, You Connect, Zell and Money Out.

1:31:18That's probably me. Zell? Yeah. No, Zell and Money Out. Einstein Bros, US Connect, McDonald's, Beer at King, Lucky Chew, Coca Chocolate, Philly's House. I don't need to have a little thing for everything. It's okay. Meats, Barbecue, Benner's Farm Fresh, Dunkin' Donuts, Apple Bill, Einstein. I'm going to keep going. Quiet. I'm sorry. Einstein Bros, Zellin' Money Out, Taco Bell, Einstein Bros, Apex Vending Machine, Einstein's Bros, Steam Purchase, has to buy these games versus games, if you see a Taco Bell, Einstein Bros, Blano Pizzas, Apex Vending, Store West, Grand China Chinese, Zellin' Money Out, Chipotle, Einstein Bros, Einstein Bros, Tug and Donut, Bask and Rockets, Vending Machine, Vending Machine, Two Plant Bakery, Zellin' Money Out, Steam Games, this fucking bullshit!

1:32:09You don't have retirement. You don't have an emergency fund. Your kid has nothing. Okay? You're f***ing this all over. This is sad. I'm glad we're able to goof and joke around this episode, but this is disgusting actions of selfish parents. And I'm going to call it as I see it, and I'm not going to be nice about it. The only thing I will say is the Zelle payments. If it's the$500, that's rent that comes out of our bank. Apple, Apple, Shippo, Apple, Joanne, Apple. in another account and then transferring money back and forth. Nothing to show for it in our entire lives. It's disgusting. This is disgusting, selfish behavior.

1:32:50Prioritizing yourselves over your child. Buddy can't even escape his own mom-in-law. That's probably why he's always going out and trying to get food. Just to get away from her. This is me being literally out at work. Yeah, you're gone all week. I got to eat food to take care of my family. to take up extra shifts to get away from her. Dude, listen, no matter how loving he is and how nice he is and how much he can't speak up for himself, there's not a guy in this world that wants to live with his mother-in-law. No, and we couldn't live with your mom at any point. Ironically enough, though, it's mostly because of the issues between them two that I think we should move out.

1:33:24I mean, it's hard to live with family. I feel like it's pretty, yeah. $3 ,883 is what comes in on a monthly basis. $3 ,883 is what comes in on a monthly basis. Let's get your minimum payments. Oh, that does not include a new car because we're not going to be morons, and I'm making that illegal. Well, not anytime soon. Shut the f*** up. Not anytime. We'll see where we're at in a year and a half. Well, come on the follow-up show and prove it. But right now, your minimum fee payments are$835.19. I will drive here in my minivan. $1 ,600? Your car? Yeah, so we send$2 ,000, but$1 ,600 is our rent. $200 is our car insurance because it's on her credit card for some reason.

1:34:06I'll put that on the car insurance,$200, okay? And then we send her an extra$200 for utilities, groceries, whatever. Okay,$200 for utilities. Okay. Groceries? Whatever she is. Well, you're going to be eating more at home. You're going to be eating more at home, so I'm giving you extra money for groceries, okay? No, no, no. That's just whatever I contribute to my mom. Whatever she spends it on, so she buys her groceries with it. I'm saying you are, I'm contributing more money from you guys to groceries because you're not going out to eat anymore. Does that make sense? Yes. If we had a - For fuck's sake, you could probably do$600.

1:34:36To groceries. TP fun because there's a kid. $250 for anything else that's necessary. Phone bill. Dad, right? You can do helium when you're on your own if T-Mobile's good in your area. Same coverage, but like$15 a month. Last time we had T-Mobile, it was trash. Okay, maybe T-Mobile's not good in your area. Okay, medical health care. Any co-pays on a monthly basis? Things like that, medications, whatnot? No. Gym? No. We have a home gym in the basement. No, but I want one. Nope. You're not in a place. Not yet. Not yet. Not yet. Yet does it matter. You are not. I'm waiting. Anything else that needs to be in your budget that is not in your budget?

1:35:13Yarn? Nope. You got to budget my yarn, man. I got to do it. Well, let's see what we have. I was going to say, let's see what we get. Remember, this is, okay, no. I'm sorry, no. Okay. Listen, this is with your parents covering a lot of your shit, and you still need$3 ,685.19 to survive on a monthly basis. After his little$200 bonuses and you're making no profits, you only have an extra$197.81. I will only allow you to spend on yarn what you make from your business, but you do not get to spend a dollar more. That was always the plan. Okay, that's the plan, but that's what you're following. You only have an extra$197.81 left on a monthly basis.

1:35:52You're never going to get out of debt with that. It's as easy as that. You have$30 ,000 of debt. Does it help if I get a yearly bonus as well? How much? It increases every year. The last one was$1 ,500. It helps a little. But right now it's a 12-year process, which I would rather you go through bankruptcy and clear a lot of this shit except for the student loans, which won't be dismissed via bankruptcy because that would be quicker. Obviously, I still wouldn't recommend it because you need to change your behavior for at least six months before I allow you to do bankruptcy or else you'll be right back here in the same situation again.

1:36:26But yeah, that helps. I'm sure that brings this down to maybe like six years, but even still, it's not great. the reality is the moment the kid can go into public kind of education of any kind, put them in it and you go get your ass the job. Bring in an extra just$2 ,000 a month net. And with that, let's just say$2 ,000 total is left over. $30 ,000,$2 ,000. We can pay off our debt. And that's where, yeah, a full payoff debt and having a six-month emergency fund two years. That's incredible. So that is our goal. The entire thing is you have to change your behavior to get there. This isn't just about getting another job.

1:37:09You get another job, your behavior is you spend more money. So you need to follow a budget. Go through all of our educational programs. Use the budgeting app. Follow the budget here. Come on the follow-up channel, and we'll keep doing this process until we get you there. But that is what you have to do. I'll calculate your Hammer financial score. But first, guys, join us for the post show here in a second. Make sure you join Hammer Elite in the description below. Best YouTube membership on the platform. The platform that has told us that themselves is the second largest on the entire platform as well for a reason.

1:37:37So join that. Come watch the post show. Lots of extra shows. Thousands of hours of extra content. Hammer financial score for you guys. Spending a budget. You overspent. So 0 out of 10. Debt. There's no collections or anything. It's not the worst. It's just really bad for your income. I mean it is bad debt but it's not like the crazy. It's just bad for your income. 2 out of 10. Emergency fund. There was like a couple hundred bucks sitting in a couple different accounts. I'll give you a 1 out of 10. Retirement You just started, but you're dramatically behind. One out of ten for the household real estate, zero out of ten.

1:38:07Hammer financial score. It is going to be rounded up to a one out of ten. You can't go to f***ing Brazil. I gotta go see that. F*** your grandma. She is almost dead. Well. She's actively dying. You know what's cheaper than a flight to Brazil? Not going to Brazil. A Ouija board.

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