His Wife Stormed Off Financial Audit

25:55I have been. Why are you preemptively freaking out on me then? Because I'm defending myself and defending my honor. But you're defending against something that hasn't been said. I'm just like letting you know that like that, if you do that, that's not cool. Like you did that to them. Okay. Yes. I get angry about things that haven't been done as well.

26:18I'm pissed at you for punching me later. Potentially. That's very upsetting. I'm preemptively pressing charges.

26:28I'm not opposed to this process. Also, 90 day fiance is the name of a show. It's 90 days because in the K-1 visa, you get to come here for 90 days and then get married. That's not even a bad thing. I have been viewed, like, at school, my classmates were like, you're just here for, like, a green card through getting graduated. Were they joking? No, some of them were genuinely serious. Okay, well, they're being a... And honestly, who even knows? If you are or not, it doesn't matter. But I don't want you to view me as that because you don't know me. But also, I didn't view you as that. I never said that.

27:02you're making something up in your brain that hasn't happened

27:10what the f*** are you guys this is the weirdest couple I've ever had on

27:20and then you bring up a criticism of another episode out of fear for yourself I guess I don't even know you didn't like I was talking about her they were very clear she was marrying for Visa I mean, that was as clear as a day, you know, as day. But that's okay. They can live whatever kind of life they want. I mean, it was very clear with the dowry and everything. It was weird. Are you paying a dowry? No. Then I'm not making that criticism. I don't know what you're on about. You're going to come on here and try that? So what are we doing? All right, well, let's just jump into these finances. I want to hear at the same time I'm going to go 3, 2, 1 And on go, 3, 2, 1, go I want you guys at the exact same time to give me what you think Your household financial score is So the entire household 0 to 10, 0 being the worst 10 being the best So 3, 2, 1 4 7-ish

28:24I don't really know Like I'm trying to understand it Zero being the worst, 10 being the best I'm trying to understand it but I haven't quite gotten a grasp on all of it You mean the household finances? Yeah Okay, that's interesting The Discover It is up first and I'd like more information on that but if you guys want to get your financial score make sure to take the assessment at calebhammer.com You can also go to calebhammer.com and join us on this show here in Austin, Texas Don't forget, if you don't want to end up on this show, just download our DollarWise budgeting app. Make sure you take the annual version.

29:07Take the free trial, then take the annual version. I'll send you our budget-friendly cookbook, signed by me, mailed directly to you, and join DollarWise Central, which is a program you can join where you can take all of our educational programs for a much lower price than taking them individually. We did that so more people could have access, so go to dollarwise.com. Okay, so you don't have a lot of grasp on the finance. Again, I want to get into this discovery, it, but I need more information on that. What is happening? Why, why is, well, I guess from your perspective first, why don't you have a lot of graphs on the household finances?

29:36I'm not like super math smart. So like looking at like spreadsheets and numbers, like it doesn't always like make sense to me or like where this number is going to or why this number, like. I'm going to let you know out of the gate. I mean, I'm math. I was in borderline, like on the edge of like, I could hear the next door when I was, you know, in math class. I was that close. Okay. So I'm very bad at math. Very bad at math. This is, this is elementary. I'm not saying that as an insult to you, but like this is, you just got to look at it for 10 minutes and you get it. Cause it just tells you, okay, here's the purchases that were made.

30:20Yeah, like I understand that part. There's the interest that is happening. Okay, so what's the struggle? I've never like had a credit card to my name. So like I've never like actually had a credit card before. So like just understanding how like those can be a dangerous slope and trying to understand like what we might be using them for is where I'm trying to understand like the situation. What's your take here? You know, one of the hardest things was like having an immigrant life. that's not all the way in yet is no banks. Why are you framing it? Why are you framing it? You're going to get me in trouble again with her.

31:00Why are you framing it as my f***ing immigrant wife? My f***ing foreigner b***h wife? Okay, sure. She doesn't have a social, so none of the banks allow her to have accounts. So it's hard for her to get into it and actually see the numbers daily. Yeah, but she could just log in with the same bank information if you're willing to share it, which is your wife. Is she not willing to share it? I mean, I could have it if I wanted to. She thinks you're a pushover, by the way, because anytime there's anything, she's like, I can just do that if I want. Any pushover? To a limit. Happy wife, happy life. Sure.

31:42What's the limit? All right. I will have a conversation with him before I do anything. Like, I won't just, like, go out and do it. But you'll do it regardless. Probably. Okay. But, like, if I wanted to, like, look at his, like, accounts, like, I can. Like, if I wanted to, like, look on his phone and, like, see it, I can if I want to. Like, it's not like he's hiding anything. Where's the disconnect? Why aren't we sitting down just talking about the household finances on a monthly basis, though? Why aren't we doing any conversation of budgeting, anything of like, okay, here's the situation. I assume you're bringing the debt into this relationship then because you haven't had a credit card.

32:21Even though there's more debts that we can get than a credit card, but even still. It's all my debt that I've brought in. Why aren't you communicating effectively? Why aren't you explaining? Why aren't we sitting down going over a budget together? I mean, we have a monthly, if you want to call it that, a session where we talk about it. And how would you say that goes? How would you, what would you say happens? Like with that, I plan like what groceries we would get. How do you plan it? Is it based on like how do you know what is left to do groceries? How do you know how much we can? So we do a lot of our shopping at Aldi because they have for certain things and it saves us a lot of money by doing Aldi shopping.

33:02I'm sorry, that doesn't answer the question. How do you determine how much money you're able to spend on groceries though? I obviously go into like the pantry and look at what we have. And then he tells me, like, I'll tell him we need this stuff, and he'll tell me we have this much money for it. Okay, so you are the one that essentially gives permission to spend money. Yeah. Why is it permission to spend money instead of being on the same page about what our financial situation is month to month, and budget appropriately? I mean, I try to communicate it. Why does it fall on deaf ears? Why does that fail?

33:39My brain goes to the worst-case scenario, like the ship is sinking like that's what i've seen with my family financial history like um growing up like i only ever saw like conversation when it was bad yeah same um so like that's all i really know so my brain goes to like like are we in like sunken ship territory what are you talking about

34:06Oh, one second, sorry Hello What? The f - Okay, hold on, hold on Oh, nope Nope, we can't do this, nope We gotta chat, we gotta chat, we're not in We're too late, no Hey, we gotta get you out of here We gotta get you out of here, let's go, let's go Let's go, let's go Go, go, go, go, go! Go!

34:40Where'd you go? No! You had it! Go, go, go, go! Keep going! Go, go, go! Down the stairs! We gotta get outta here. Wait. What is that? It's here. It's beautiful.

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36:54Dollar Wise Central is here. Click the link, enjoy it now. Let's make your money work and let's build a future that you actually feel good about. I'll see you inside. Okay, but you have the conversation. He's saying he tries to have the conversation And then you just don't hear it Because most of the time my brain will be like Are we as bad as my brain is making it What is your brain making it? Where do you think you are? Like under the water sunk in ship territory How much debt does the household have? You, not you How much debt does the household have? In what way? Get rid of the mortgage How much debt does the household have?

37:37You two combined We have the car payment Including the family members, apparently. I'm not sure. This is important. We should be on the same page. Especially if you want to be like doom and gloom, which I kind of understand. You should at least know what the doom is so you can gloom properly. I understand the basics of the plan he has and what he's doing. How much debt do you think the household has outside of the mortgage? Think. Just think. What do you think? What is your guy telling you? I don't quite know. Come on, just gut. What's your gut telling you based on the conversations you had? Hit me.

38:13I have no idea. A number. A number. Come on. I'm not going to take a non-answer. Based on the conversations you have, what would you think it is? If you had to do your best guess, your best guess. Like 11? Okay. Okay. $43 ,000. A bad debt. High interest, bad debt. Or family debt. 43. Then there's, of course, the mortgage of 302. Okay So we know what comes in What went out last month $7 ,000 comes in How much went out last month? What do you think was spent? This includes on debt I'd like to hear from you And then I would like to hear your answer What do you think? I honestly don't know right off the top of my head So it kind of makes sense that when he says that Anything he talks about finances Is just kind of what?

39:05If we're going to be doom and gloom, you got to at least kind of have any inkling of the numbers, right? What do you think was spent last month? Best guess. Like, I have no idea. Best guess, dude. I don't know. Just based on any conversations you have, what you've witnessed, what do you think went out? Including debt payments, including, you know, everything. Just everything. If I had, like, something in front of me, like, I do best with paper. You just told me you did bad with that at the beginning I'm a paper and pen person If I ever see it on a computer screen Then it's just like Are you sure?

39:42Because I think you're a not answer the question Kind of person Just best guess based on the conversations You guys have had He talks to you, to you, you don't listen What do you think? Three Three thousand, okay So seven thousand comes in, three thousand gets spent total Even though your mortgage is probably close to that Okay, and you? I mean, I think last month we had some repairs or something. So it's probably like$7 ,500. It's not like we're... $7 ,500? Okay, it was$17 ,159.03. What the f*** are we talking about? Yes, that is doom and gloom because that is apocalyptic because that is bad.

40:20That is$10 ,000 that comes in on a normal monthly basis. $10 ,000 more than comes home on a normal monthly basis. What? What the fuck? Come on, you're the one managing the finances. You're supposed to be the big guy, the guy who knows, the guy to talk to her. Owning a home is great. We had our septic tank go out within a few months of us owning the home. Good, then you shouldn't get a home unless you have a fully funded emergency fund. So we had to replace that. And while they were doing that, they nicked one of the AC lines. In total, we spent like$9 ,000 in repairs on just the house. But even still, let's say$9 ,000 just went to the repairs, which who even knows if that's what happened that month.

41:05We're going to find out. You still spent$1 ,000 more than came in outside of the repairs then by your own math. We also had to buy a whole new bathroom set because of all this. The septic tank failed, so we had an inch of shit water in our tub. So, I mean, I don't know about you But I don't like to use toothbrushes And shit Listen guys, I don't know I don't know What's going on with this discovery card? What I can't tell is the balance from last month was big But it was also paid off But then you tripled it I can't tell, does this have a balance? Is it paid off every month? What is going on? Well, my grandmother paid off the card And then let us use it Wait, what the?

41:53What do you mean let you use it? Is it your card? It's in our procession. Is it in your name? No. This is in your grandma's name? You put$7 ,000 on your grandma's name? Your grandmother? She allowed it. She's your grandma. What do you think she'd do? She's an old sweet lady. How old is she? 70s. Oh, how the dare you? That's disgusting. That is disgusting. Do they do that in Canada? That is disgusting. I mean, she believes that once she passes, all the debt disappears. Credit card, yes. But there's going to be certain things to potentially settle, especially in the state of Texas, if you're taking advantage of any assets she might have.

42:40Are you expected to get any assets? I don't believe so. Okay, then you wouldn't have to worry about the settling, but someone else might that is going to get her assets. So you're passing this on to someone else that you're probably related to, potentially. Are you having fun? You're just playing with your little ball there. Are you here? Like, what the fuck is going on? You're just looking down? Are you listening? Are you participating? Why the fuck are you guys here?

43:06Hello? I'm here.

43:11What am I doing here, dude? I mean, we're obviously here for a reason. Is she? Does she need to be here? Should I send her to the other fucking room?

43:24Huh? Don't. Okay. You're ruining my mood. You're bringing such dark energy to financial audit. Does she even know what she's doing right now? You're just being miserable to be around. All right, I brought you a proper American-style wife to sit in. He's a good bottom. So he'll play for you for now. Okay Discover it Again this is what I tried to be on I don't necessarily know how to She knows what show she's on right? Yeah Don't you? I know what show I'm on Yeah well your name's Alexis So Okay So under discover it What you put on your grandma Your grandmother has this Well, your grandmother, your grandma-in-law.

44:24She suggested it because that was the only short-term solution. We kind of had a long-game plan for it. Why'd you need this? Why'd you need this$7 ,078.90? Your cologne is very strong. Can't take it with you when you're gone. The cologne? No, debt to granny. Okay. Because we literally had sitting for months. We had to go walk to our cabin on our property. For months. So your grandma had to do this? You should never get a house without a fully funded emergency fund. Why? This is the first gay male couple we've had, by the way. I'm very excited about it. I'm straight.

45:10Because, uh... You should never get a house without a fully. It's not as... Why'd you do it? It's a lot easier to get into it now than it is because I didn't have to put down anything for the house. Great, you should still have a fully funded emergency fund. How does that change that? You should never get into a house which is going to demand repairs and higher expenses in many different ways, but you get the advantage or the market grows, you get an equity position, it's great. Why would you do this without a fully funded emergency fund? Look what it did. Now you're putting$70 ,000 on grandma.

45:46$70 ,000 on grandma. $7 ,000, sorry, on grandma. With the way that the housing market was at the time, it just made sense to get into it now rather than later. It just never makes sense again. Look what it's done. The house has gone up from$190. Yes, and now you're in deep credit card debt, and a lot of it is on your grandma. This is what happens when you buy a house without a fully funded emergency fund. It doesn't make any sense. Now, Alexis Listen Is this how Alexis acts when she's home? Because Like, honestly, she was fighting on everything For no reason, she was so defensive She was nothing Obviously, of course, we're a little goonie for the show, sure But it's like We want to get through these statements and stuff And she's just like, is this how she acts In all the financial conversations?

46:36Sometimes, yeah To be fair, grandma's had twice as long to work We should be able to pull from that fund Do you agree with that? I mean, it's the situation we were in. It was either that or we had to shower with the hose. How do you interact with her, though, if this is how she is? Not this, obviously, this is a little bit of a bet, but before? I mean, it's just learning how to get the message across. What have you learned? sounds like we haven't come to a conclusion yet that some things are more touchy than others what's touchy? apparently just the word immigration makes her go nuclear yeah some words are more touchy than others but it's just she's an immigrant, that's not a bad thing but why does that word trigger her?

47:31okay cool, so what about the finances though? I mean I try to tell her and involve her but right now I'm in this position where a lot has changed. Not financially, but I expanded my debit cards into three to try and section money for where it goes. What does this have to do with communicating to her? But my budgeting app has gotten so out of sync. Why? Because it's changed so much. Sounds like it's not using the right one, okay. so I don't know I'll put you guys through therapy sessions with Soundermine it's what I use it's what I recommend the audience use as well you guys should use the Fizz credit card as well it's a debit card that builds credit Fizz card and I'll also gift her a course career certification so once she gets into the workforce she can leverage it to land a good job those are the resources we're able to provide plus all of our educational classes and app but there's the discovery card again with the grandma This is so f***ing.

48:35Okay, so are you making the minimums on this? Like, what's the plan? So she's going to be living in the cabin that we have on our property. And so, like, she makes the minimum out of security for herself. And then whatever I can throw in. And then I pay the bills for the cabin. And then she puts that money towards the car. Why overcomplicate this? It's so weird. Just make the f***ing payment. I'm working on it. Go on. You know what's outrageous? Paying$80 a month for a phone plan just for your dad to text you a singular, okay, to your long text messages. But Helium Mobile, today's sponsor, said, forget that and drop the price all the way down to zero.

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50:28Think Uber for cell towers. So whether you're trying to cut costs, parent smarter, or just escape the contract chaos, Helium Mobile's got a plan for you from$0 to unlimited. Click the link in the description to check it out. Let's get back to the video. I've been making like$500 a month into it. I f***ing hope so, but that's not what I literally see in your most recent statement. Also, by the way, you know, when you guys were going out to eat as, you know, uh, stuff like that, of course, which we know you did in here. But this credit card, grandma bailed us out. Grandma bailed us out. Grandma bailed us out in order to survive, to make the repairs.

51:03Oh, wait, we're going to McDonald's, Marshall's, Ross Store, Infest WAP. Partial's for work. Partial is because we couldn't do dishes. Partial? I didn't say partial. Oh, partial. Partial, so Ross Store and Marshall's is for work? I had to get a suitcase for work. So you had to go to two locations for a suitcase? The company reimbursed me for that, and I put that towards it. Which one? You went to two? For both of them. Okay, and the McDonald's and PayPal and the Infest... No, Infest... Stop... Infest away. That was our pest treatment to get termite treatment around the cabin. Oh,$737, so grandma covered all that.

51:51And mosquito stuff. It was the second thing, it was$500, but again, it was$7 ,000 of purchases. We got gas.

51:59Morgan Podetary? It was for an appointment that we didn't have the money at the time. M &M worth? Oh, that's to have the septic tank pumped. So we had to have it pumped before. And then lots of Walmart. Again, this is all grandma though. At 21.24 % interest. So she's having to have that interest accrue on her life.

52:26I'm trying to pay as much as I can Okay Now kiss your wife please

52:37I've standards That's for later

52:43Alright Okay Navy Federal What's going on with this one? Because let me tell you This one you did not put a big payment to And we know why Because the last one was only grandma Putting a big payment towards it But whatever Navy Federal Credit Union. On here, we owe five... Oh, my fuck. Oh, you're over the fucking limit. Your hubby is over the limit. You're over the limit. $5 ,478 is what the balance is. You're over by$78.26. Why? The interest is high on it. And minimum payments just barely make enough. No, no, no, no, no, no, no. you little... Hey, guess what? If you make your minimum fee payments, it covers the interest enough where it at least goes down.

53:29It wouldn't be above the limit. That's a lie. How about the$131.81 of purchases? Maybe that's what did it. Yeah. This is what you want to attach yourself to for the rest of your life? What's the point of having a card if you can't spend on it? He's trying to... He's trying to be Alexis. Yes. Is that what she would have said? No. Oh, she would have said, oh, I'm an immigrant. I mean, it's what we had to do. Now you have to cry. Okay. No, no. It's okay. Thank you. Canada to America, very stressful. Biggest, biggest culture shock anyone has ever experienced. Okay. So why the f*** are you purchasing?

54:18on a card that you cannot pay off that is accruing$79.55 in interest? Because I prioritize paying my bills and sometimes there's a bit of overlap. What? What? That doesn't make sense to me. Can you translate for him? I prioritize paying the bills that result in things getting shut off. Yes, because on here it's Amazon and DoorDash. What the fuck, dude? No, that's not a joke. I know we're being silly. It's not a f***ing joke, though. Amazon and DoorDash pushing you over the limit? I mean, yeah. I mean, yeah. I had to buy some stuff. Yeah, pull up your f***ing Amazon for me, then. I don't even remember what I got.

55:04Uh-huh. It's probably something for the house. I had to buy some stuff. Now that I'm going to see it as well. I don't even remember. Uh-huh. Uh-huh. Uh-huh. Huh? Minimum monthly payment is 133.55. Hey, buddy, how long does this take to pay off if you only make your minimum payments and you don't purchase on it, which you still pull up your phone. That's not an excuse to put it away. If you only make your minimum payments and you do not purchase, of which you are incapable of not purchasing. But how long does it take? Forever. How long does it take, do you think? I mean, it's probably like 10 years, 12 years.

55:5021.

55:57I'm going to use this year's tax returns to pay off a chunk of it. Why would you, what tax returns? What's your big chunk of tax returns? Why would you get something so big? Because putting her social... Your withholdings are insane. because originally we were filing as just me because I only had the income coming in but because immigration wanted us the lawyers wanted us to have evidence that I'm not filing as single where he put an extension on it so now we should be getting back about two or three grand that's not going to pay this off buddy that'll make it not above max we got eye cups It probably shows she can walk around and not see that she's in a different country So it doesn't terrify her

56:47Cable splitters You got More cable things Audio speaker wiring Someone's doing a fucking project AirPods 4, fuck you Come on, you don't need that to survive Memory foam Eartips Travel backpack Indoor-outdoor cat thing, large eyeglass cleaner. Oh, a f***ing mount for our Apple TV. Come on. You're just getting so much bulls*** on here. So much bulls***. And then what's in our cart? Oh,$185 f***ing speaker. No. F*** off. No, I'm deleting it. Off. F*** off. Dude, you don't have money. You're maxed out on a credit card and you're using a tax return to f***ing even just get it below max. It's so stupid.

57:35I'd be careful touching that. and immigrants been touching it. Listen.

57:50Why the fuck are we purchasing so much Amazon when this is over maxed out and you have no hope of paying it off? It's the tax returns the only way and you're only getting something special because of her. Because I have house projects that... You don't get to do fucking little wannabe projects and get AirPods and all this wiring and speakers. Those house projects. Those are house wants, not house needs. Getting the out. Yeah, that's a house need. This little speaker project and the little cat thing and the this not needs.

58:26What? With the AirPods in defense, though. Is. So you didn't have to hear her yap? No. Or is that what she wears when you try to talk about budgeting to her? Because we have enough of a cushion that some of those household luxuries are okay once. What are you talking about? You are over maxed out. What are you actually talking about? What cushion are you talking about possibly? You spent$10 ,000 more than you brought in cushion. You're using your grandma's credit card cushion. F*** you cushion. F*** you cushion. How dare you even use that word? Legitimately. How dare you? That's disgusting. You're using your grandma's credit card and you're using the word cushion?

59:18No, this is not funny. This is not f***ing funny. You're using your grandma's credit card and you use the word cushion with me. F*** you. That is some bulls***. What the f***ing man are you? That's disgusting.

59:39What do you have to say? That's f***ing bulls***. Oh, more DoorDash, by the way, and also the pharmacy. The pharmacy's fine, but you got Panda Express, DoorDash. $312 of interest this year so far on a 17.24 % interest rate. Yeah, what do you have to say? You only live life once. Good. Die, put it on everyone else around you. Damn right. American dream. You don't care about f***ing your wife when you die? She'll be set for life. Not for life, life. What do you have? Like$600 ,000 in life insurance. Okay, that's not for life, life. And she gets my VA retirement. That's for life, but even still, it's not going to be perfect.

1:00:26Other military benefits of like... Set for life is millions though Come on I mean the house will be paid All the debts will be paid She'll be getting$500 in income every month Whoa$500 Look at you you're set up for life On top of that$4 ,000 Oh my goodness set up for life Look what she's doing She's not able to survive as it is You guys can't survive off of 7 What are you talking about $4 ,000 isn't insignificant But you can't even survive on the 7 Also only live once You're statistically likely to live a very long life Not what the army did to me I don't even know what that means What the fuck Has China invaded That I'm not aware of I don't know Okay so listen You are probably gonna make it to your 60s At least right Yeah probably Good dude you're 23 3.

1:01:33You've been out of the sun. Wear a sunscreen next time. Okay. It's a hard 23. Yeah. So.

1:01:43So, 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. Yeah, you got more than double your life left. You only live once, you're f***ing the rest of your life right now. Yeah. And your only live life once is getting Panda Express? That's a sad YOLO. The current American situation? Go on. You might have to educate me on that.

1:02:35A majority, I mean, your show exists, so a good portion of Americans are barely making it buy. Yeah, and this is your choice. You're getting DoorDash Panda Express. F*** you. You're not barely making it buy because of the system. In fact, the system is only supporting you thanks to my taxes. You're welcome.

1:03:01I mean, I'll slowly be chipping away at it. Says who? Says when? You are putting money on grandma's credit card You are saying many things that have no basis in reality right now There's just adjustment periods Where you have to keep trying What are you adjusting? Because your only adjustment literally last month Was putting money on grandma's credit card That's where you're headed right now Where's your adjustment? Shift things around a little What the f*** are you talking about, dude? You don't even know what you're talking about That doesn't make sense, you're not doing any of that Alright, let's bring her back in Brandon's cologne's very strong I smell good, don't I?

1:04:01No Alright, well, news She's decided that she hates me And she's not coming back on So we're doing this solo, my friend And you're gonna have to try to communicate it to her Okay which good luck yeah I don't know what a mess what a mess listen how are you going to possibly

1:04:31well now I have to actually ask it I wasn't actually thinking I literally wasn't thinking this until she brought it up but now the fact that we're doing this she's not willing to have conversations about this you guys never have conversations about finances what's your confidence level that she is not here just for a green card. She was right. I totally did bring it up. I mean, I trust her that she's not in it for just a green card. This is so weird. This is such a weird dynamic. Yeah, I mean, it's our dynamic. It works how we work it, you know? I don't know. We have a 50 % divorce rate in this country, if I'm not mistaken.

1:05:09I mean, we have our own struggles. What are your guys' struggles? Because, listen, finances are one of the leading causes for divorce in this country. The finances are incapable of communicating about it with each other. She freaks the f*** out, goes nuclear at all times. I mean, it's communication on both parts. Well, what communication? There is none. I witnessed it here. In between f***ing things. Before and after. The f***ing communication are you talking about? I mean, obviously. Are you able to say more than two words, please? I'm sorry, but I don't know what you're trying to say. We both are working on communication and...

1:05:52What are your struggles? You said you have struggles. Communication.

1:05:59Okay, well, I hope that you guys are sort of out. This is such a weird episode, guys. This is such a weird episode. Okay, we have a Capital One. What's up with this? Because we're at$4 ,305.66. Minimum monthly payment,$57. You purchased$481. Oh, good. It's$5 over max. Well done. Interest charge,$14.08. 20 years to pay off. So two cards in a row. 20 years to pay off. What the fuck is going on? Why are we two cards above the limit? Does she even know that? Does she even know there's two cards above the limit? No. Well, we have a break between this and the post show. We'll see if we can convince her to come on the post show And I'll f***ing expose you man Why do you have to Why is this above the limit Why are you purchasing on again It's not the interest Interest sucks But you would be going down The balance would be going down slightly You are over because you're purchasing Because I'm putting too much money on the card To pay it off And then I have to buy something They don't When did you figure this out When did you figure out this magical Uh oh we figured it out Math isn't math then When did you learn this Cause you're doing it You're still fucking doing it I mean that's how I'm doing it No No you said you're putting too much on the card So you have to spend money on the credit card If you know this Then why the fuck are you doing it Cause there's a lot of stuff That happens in the time frame What What What?

1:07:37No, guy. Oh my gosh. You are incapable of answering this question. The question is you specifically have admitted that you put too much money on the credit card. So you have to spend money on the credit card. If you know that reality, then why are you still doing this? Because there's a lot of stuff that comes up that I forget about. Do you not know what I'm asking? Why are you still putting that much money towards the credit card then? Because I'm trying to pay it off But it's not working You are self-admitting that it is not working Oh my gosh Oh my goodness You are self-admitting that it is not working You are self-admitting You So why are you still doing that part I'm not saying the spending part I'm saying why are you still putting that much money towards it Towards it if you are self-admitting That it is not working Because I'm just trying what I can Oh my Oh my What are you guys Oh where You guys were birthed in the same Cauldron This is insane What are you talking about What the Are you talking about

1:08:56What What What, buddy? That is not a f***ing answer. What is virago fox in hair? I gotta keep my beard and hair looking good anyways. Well, so far no success. What would it be like without? At least I look better than your hair. No, buddy, you are receding to here. I have a full head, my friend. Ha ha ha.

1:09:30I got a little patch here, but at least I'm trimming properly. What do you got going on? You got hair halfway up your neck. This isn't a battle you want to fight. So what is it? It's a treatment? You just need finesse. All right, buddy. It's not even a sponsorship. I know some people get soft from it. Personally, I would just be soft in general. That's what she said. So as many of you know, I've been a big supporter of Course Careers for a long time. I'm not just a partner. I actually own stock and I'm an investor. So why did I partner with Course Careers? Because I truly believe in what they're doing.

1:10:08A lot of people have questions about online certifications versus traditional college degrees. Let me be clear. I wouldn't put my name behind something unless I knew it worked. The thing is, not everyone has the time or resources to spend four years in college or take on massive student loan debt. Course Careers offers a practical, affordable way to launch a career in a high-demand field like tech sales, IT, and accounting, where companies are hiring based on the skills needed, not broad college degrees. In fact, right now, one in three companies are dropping degree requirements, and that number is only going to continue to grow.

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1:11:44Um,

1:11:48this is me, but, uh, right?

1:12:11Are you about to commit a mass shooting? I don't know. Like, what's... I'm trying to think. Yes? Well, this isn't working. What is it meant for? What is it? Is it finasteride? It's for getting my hair done. Getting your hair done? And trimmed. It's a subscription to trim your hair? No, it's a... You got a razor? No. What is this? Going to a hair salon. Okay, thank you for f***ing sake. You made it sound like it was like hair treatment. No. I don't f***ing know. You got neck pubes. I don't know what's happening.

1:12:55Do you game? Yes.

1:13:01You give us a bad rap, man. It's not fair. A lot of interest is accruing, of course. and you got subscription, lots of Aldi's O 'Reilly Walmart, lots of Walmart lots of Walmart, some bulls**t purchases at Walmart if I had to guess to be honest 4 % interest, why is it at 4 %? You're lucky it is, that doesn't give you an excuse to f**k this Not to plug the military but Plug away The SCRA helps it to make it like 6%, anything that is existing before you join makes it come down to 6 % So this existed before you joined? Yeah. That's nice. I mean, that's a good benefit. That's not one that, you know, milks the taxpayer.

1:13:43Most cool companies will bring it down to four, but the legal limit is six. Okay. And they brought it to four, so they were good. No, I love that. I love the vast majority of benefits. And I do have to say, especially since I made fun of it in this episode, and I have to mention this in case you're a first-time viewer, I'm totally good with military disability. We have an interesting fact that we've discovered in this show where every single, literally, we get veterans every other episode, almost maybe every three episodes. There has not been one veteran in the entire three years of the show, many of whom never actually went overseas or actually did anything or whatever.

1:14:20One of them was even just a cook who are on borderline full disability for the rest of their life. This takes up 2 % of the federal budget. 2 % of the federal budget, just that alone, which is chunky. It's like$500 billion a year or something. So I'm not against it. It just seems like, uh-oh, there might be something wrong, especially since there's services out there that you can go to, and they help you sell your disability to the VA to get your disability. They literally coach you on how to get it. Yeah, something's going on. But I'm not against it as a concept. And I'm certainly not against the 4 % thing.

1:14:57Again, even though it's a 4%, that doesn't give you an excuse. I feel like that is giving you an excuse. It's giving you an excuse, even though it is not adequate, to then just go spend the money on there. Like, yes, get your hair cut, buddy. I'm all about it. Chop, chop, chop. You know? You're going to be giving it up soon anyway. So enjoy it while you can. And at that point, just don't put it on a credit card. Well, I got to make payments on the credit card.

1:15:30What? Whatever's left of that big payment Goes towards it Whatever's left of that big payment Goes towards it Goes towards what, the haircut? Goes towards the credit card

1:15:46Buddy, let's speak in complete sentences please So I can at least fully understand what you're saying Like, you make larger You make larger payments And because you make larger payments You can't put it as much onto debit So let's not make larger payments. That is a really cool thing.

1:16:11Please share another riddle if you must.

1:16:22But it makes a minimum payment. Okay. I don't know what you're saying. What makes a minimum payment? But it? Who's it? What? The big payment you make. And then whatever's left goes towards the minimum payment, and it makes a larger payment. Oh, fuck.

1:16:48Okay, let's do this one. Oh, it's over the limit.

1:16:55Who would have thought? Three in a row. Quicksilver. What's going on with this one?

1:17:07Take two. What's going on with this one? Take three. What's going on with this one? Okay, I thought you were going to make me get to number four. A general purpose card. A JP card? General purpose? We have a general purpose card? Like if I'm short on something. A credit card's for? What do you think a credit card is to you? A stopgap. A general purpose? Stopgap? You've already jumped the gap. You're over the limit by$13.36.72. General use? General purpose? You're over the limit. What purpose is general? Groceries and bills.

1:18:00DoorDash and PetSense. We got pets. Got a lot of them. It's not groceries and bills. It's a responsibility. Sure, ain't groceries and bills. DoorDash. Those were the two purchases on there. There were not any utility payments. There were not any groceries. What the f*** are you talking about? General purpose is DoorDashing? You and your wife are not going to make it. I don't even know if you're going to be able to make it home. I'm surprised you guys made it up the stairs into the studio. What the fuck is happening, man? This is crazy. None of this makes sense. Nothing you're saying is making sense.

1:18:43$2 ,036.72. The minimum monthly payment. You purchased$212. Fuck off. $69 minimum monthly payment. 13 years to pay this off. So the 28.99 % interest rate So I assume you open this After the service or in the service How long has this been open? Only like a year And it's over maxed out You do not make insignificant money Why are you spending so much?

1:19:13Yes Yes? The f*** are you talking about?

1:19:23Okay I think he's shutting down, ladies and gentlemen Okay

1:19:35I I I I I don't know what to do What have you been spending money on in the last year? Let's try that one Stuff for the house Which is DoorDash? which is like furniture and utensils and stuff for the dogs, if you want to classify it that way. Which is why I saw DoorDash McDonald's and bullsh** purchases. Right? Right? Yeah. Oh, my gosh, are you here? Guy, you're f***ing

1:20:27Maybe you guys are perfect for each other I ain't a joke, man Bullshit food is$1 ,089 That's furniture? Going out to eat? Is furniture?

1:20:45Take two Going out to eat? Is furniture? I mean Right, okay, don't even try I don't want to work you too hard $781 in miscellaneous bullsh**

1:21:04Forgot he's on a podcast

1:21:10Yeah, it's stuff for the house, miscellaneous bullsh** Oh, I am so close to giving up If we weren't this far in, I would honestly be walking away right now and not wasting my time with this bull. But we're almost done. You told me your dad's a fan of the show? Yeah. And this is how you're going to be seen. I hope you enjoy it. And hopefully, congratulations. What is this personal loan for, dude? For the wedding. Oh, for fuck's sake. What did you guys do? I mean, we had a small wedding. How much? I mean, I put in like four or five. So it came close to 12.

1:22:00And that includes like the travel there. But you don't have that. The travel there? The travel where? To Florida. Why? Because it's a special spot. 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.

1:22:44It's Florida! What's special? other than her. Where her friend's buried. Oh, her friend's buried in Florida? Did she tell me that earlier? I know she went to Florida and then the school thing happened. Honestly, I had a hard time listening to her. Okay, so let's get married to where a friend is buried? She has some ashes scattered in that spot. Spoiler alert, they're not there anymore. Okay, I can say that because she's not sitting in front of me. Okay, sure, that's fine. Then you just have to go cheaper and smaller. It didn't take$18 ,000 to get to Florida. Did you pay for other people to get to Florida?

1:23:26No. Where in Florida is this? It was over by Melbourne Beach. Metro area? No. It was in a metro area. What? Over by FIT. What city is that in? Melbourne? Okay. Okay. Why did it cost$17? Because you guys are just getting, you just needed to get married to close the deal so she can stay here legally and start her green card process. Not that she's here to get a green card. Oh, don't kill me, lady. But, you know, that's, we obviously wanted to speed the process along so that she can get a work permit and all that good stuff. Okay, right? It was closer to like$12,$15 because of the catering and getting all of these.

1:24:15So why did we need to do all that? We did not need to do this. If you need to have a destination wedding and we're doing this to move this quicker, you know, along quicker, then you need to do this on the cheap. You didn't have$12 ,000. You were maxed out beyond maxed out. When was the marriage? When was the marriage? We got married in February, but we had a ceremony in May. If you already got married, you didn't need to do this. Have the ceremony when you have f***ing money. Ask her. Well, I would, but she's a pussy.

1:24:52Okay, so we took out a personal loan at what percent interest? It was like seven or six because my mom works at that bank. Can't do anything without grandma or mama, huh? Great. What's your minimum monthly payment on this? looks like 230.51, yeah? Yeah, I pay 275. Why? What's your strategy there? It doesn't make any sense. That's not avalanche, that's not snowball. I put money onto the checking account every paycheck and 275 goes to that loan, 275 goes to my mom.

1:25:34Okay, whatever. Tower loan, what is this for? This is for the bed frame. Oh my fuck, you guys, you guys, you animals, you animals. You do not make insignificant money, you f***. You absolute tit. You do not make insignificant money. You don't need to finance a bed frame. We needed it right then and there because our previous one broke. They get a used one. Get a used bed on Facebook Marketplace. It was for my back, for my sleep apnea. You got the app? Yeah. Buddy, you still make a significant amount of money. If you weren't blowing all your money on all this bullshit, you could have just bought this.

1:26:16I encourage buying this if it's for your health. And, you know, who even knows? You could have found something else probably. But either way, let's just say this was the only thing you could have ever possibly gotten. You could have afforded it on your income. But instead you decided to get a house without a fully funded emergency fund and you decided to spend all the money on bullshit. Listen. When we went there, I just was looking, and they gave me this, which was 0 % for two years. What, the one place you went? Great. Smart. Hey, guess what? Your miscellaneous bullshit and your fast food spending alone this month basically pays for this.

1:26:48In one month. So f*** off. F*** off. This is risk. This is risk over your head. This is a minimum payment. And you are struggling to make your minimums paid. You have said so yourself. All my loan stuff is all above minimum payments. But then you max out your... And then your f***ing credit card balances are above balance limits! So what are you talking about? What are you f***ing talking about? I don't know what you're saying about anything. You don't know what you're saying about anything. F*** sake, man.

1:27:35$1 ,993.53. The term for it's like three years, but if you pay it off in two, it's 0 % interest. Oh my fuck. What do you have to pay to pay it off in two? Like$80, so I make$100 payments. That doesn't make any sense. It's 0%. Why would you pay$100 if it's$80 to pay it off interest free? What is your debt payoff strategy? This is not avalanche. This is not snowball. This makes no sense. Little by little. that's your debt strategy? It's the f***ing, what are you, Colt Little by Little strategy? Here, guys, we've invented a third debt payoff strategy, the Colt Little by Little, also known as keeping our credit cards above their max.

1:28:20It's the anti-snowball avalanche strategy. If you want to do that one, you too can f*** your life. Go to f***ing ColtAdvancedStrategies.com.

1:28:34ColtAdvancedStrategies.com All the bills get paid on time. That's all that matters. And all the hairs recede.

1:28:44I gotta piss. Okay, bye, I guess.

1:28:52Okay, see ya. It was nice filming with ya. Well, that thing's hanging deep, huh? Okay. Okay. I'll see you in the next financial audit.

1:29:10All right. Did you have a good pee-pee? Yeah. Okay. Kind of brown, but it's good.

1:29:26What the? Oh, you absolute freak. You have a$300 debt for an Xbox to your dad? You laugh about that? It's a travel Xbox. For work. What does that mean, Colt? You know, when you're gone for a while, there's nothing to do. You know. You're at work at home. I travel for work sometimes. How often? How long at a time? I mean, like, I just got back from one where I was gone for like three weeks. Okay, a travel Xbox, but you have debt to your daddy for it. So grandma, mom, daddy. Yep. You are not an adult.

1:30:11Yeah, drink it up so you have to piss again. I don't know. You're a literal child. And you want her to be a stay-at-home wife? You have no adult existence. Why do you have debt to your dad for an Xbox? I don't give a f*** that it's a travel Xbox. That doesn't mean debt to dad. It's for work. That doesn't mean you go in debt for your dad. So tell me why you're in debt to your dad. Because we bought an Xbox for work. No, I know, but why did you have to borrow it from your dad, Colt? Because we needed something to do at the time. Colt, oh, I'm going to literally f***ing, I'm sh***ing incoming. I mean, this is...

1:31:01I'm going to run you dry on water bottles.

1:31:06Buddy, I'm asking, can you please ask this? Why did you not have enough money, and why did you have to ask Dad for the money?

1:31:14Because I was going to get paid later that week, and we were sitting around for a few days waiting. Why haven't you paid it off then? I'm in progress of that. What's your progress? I see$300 owed. I'm making$100. And Xbox is what,$350? I'm sending$100 every month. You have to make a$100 payment for a f***ing Xbox to your dad when you make$7 ,000 a month. Okay, why do I see debt to mom? $5 ,250. That was for the immigration stuff. You had to use your mom To pay for her immigration Well The damn USCIS takes only money orders They don't take payments So you have to have it all in front You mean payment plans is that what you're saying Yeah You shouldn't have to you make money And now your dad And your mom had to pay that What a joke They don't respect you do they I hope so Why?

1:32:18How would they respect you? I'm sorry, this is mean, but how would they? Unpaid labor

1:32:29What the f*** are you talking about? I swear, brain cells are decreasing by the time we get to the end of this How much do you owe her a month? The$275 The$275, what$275? Did we talk about$275? Yeah, the$275 that goes to my mom, the$275 that goes to the personal loan. So it covers the same? Yes. So it gets split between the personal loan and this? $275 to one of the loans and then$275 to her. So every paycheck, there's$275 that goes to that account, and then she takes$275 at the later end of the month. Hold on. No, no, I'm confused. Where's the other one going? I want to make sure I have it. Because I have a personal loan that was$230.51 a month.

1:33:14I was making, so I take out of my paycheck$2.75. That goes to that Alta One. To what? So the Alta One account. Alta? Alta One. What account? The personal loan? Yeah. Well, I have a debit card on there that doesn't exist anymore. So I put that,$2.75. Because you took out the personal loan for the wedding. Yes, okay. So$2.75 goes to her. $275 goes to the loan. Wait, did she take out the personal loan for the wedding? She co-signed it. That's why it's so low. Okay, so$275 goes to that, and then$275 goes to this. Yes. Okay, so$500 total. Yes. Okay, why'd you say it like, the$275? Okay, whatever. Grand Mize, an additional$1 ,000.

1:33:58What's that for? What a joke. You just use your family, man. Some repairs. Great. What's your minimum monthly? I'm working on paying off the credit card And then I'll start paying Or pay off someone else Oh you disgust me As a man, as a human As a grandson As a son Ew I hope they cut you off man I hope they cut you They're telling me that there's times where you need to borrow money To pay your mortgage and you go to grandma

1:34:35I'm disgusted I'm disgusted I am vehemently disgusted And actually kind of raging right now Cause that's fucking That's nasty

1:34:51What the fuck You get$4 ,000 a month Inflation adjusted For the rest of your fucking life And yet You got a mortgage Without an emergency fund Fuck your life Fuck your family Now you borrow it for them Just to even pay the mortgage What a fucking joke Okay what is this I see a Navy Federal personal loan for$16 ,468.29. Is this a car? What's the car? Ford Edge 2017. What do you think it's worth? You owe$16 ,468.29. It's over$100 ,000. Miles, he's saying. Yeah. Because he only speaks in half sentences. I'm just going to drive it to the ground. Cool. What's it worth? Probably like four. No, we're seeing about 8 ,000 probably Oh But even still, you're dramatically underwater by half Minimum of the payment,$408.51 What's the interest?

1:35:47It's at a 10.09 % interest rate For a car?

1:35:56Man, I just don't know You f*** yourself so much You don't even commute to work This was when I got home from Korea. I had to buy a car. I originally had Santander because I was a dumb kid who didn't know how to. You had what? Santander. Is that a car? It's a loan. It's like 25%. Yeah, yeah, yeah. I know what you're talking about. So I refinanced it to that because I didn't know how to. Great. So you were a double moron when you first started. Okay. Navy Federal really taking care of vets, given a 10 % loan out. Okay. So I'm confused on why you needed an expensive car just because you got home from the military, though.

1:36:44It wasn't an expensive car. Yes, it was. You still owe$16 ,000 on it. What the fuck are you talking about? I had to drive it from Texas to Georgia. How many times? Multiple times. How many times? Like four. Okay. I'm sure you could have got a$10 ,000 car that was approved by a$10 ,000 car that was approved by a couple mechanics. Okay? And you could have been fine. I don't know, man. This is just so beyond stupid.

1:37:19Navy Federal Credit Union. Here's your mortgage. You owe$302 ,572.09 at a 6.375 % interest rate. Not horrible. And our minimum fee payment is$2 ,195.71.

1:37:44And Doug, here we have the Lemu Emu in its natural habitat, helping people customize their car insurance and save hundreds with Liberty Mutual. Fascinating. It's accompanied by his natural ally, Doug. Uh, Lemu? Is that guy with the binoculars watching us? Cut the camera. They see us. Only pay for what you need at libertymutual.com. Liberty, Liberty, Liberty, Liberty. Savings vary. Underwritten by Liberty Mutual Insurance Company and affiliates excludes Massachusetts. You can't pay it all the time. How often do you have to borrow for it? Be real. Be honest. I mean, it's like... Don't try to hide this.

1:38:21Once or twice in the past year. So 25 % of the time.

1:38:33It's the months that, like, it's over a weekend, so it takes longer for it to happen. Huh? Like, the ACH transaction takes longer. So other things come in and pass. Yeah. So it's fine. I'm confused. What's your issue? Other bills shoot in before. Why don't you budget? If you literally just budget, you're fine. Why do you not have enough money in your checking account? Bills. That's so stupid, buddy. Come on. We saw$2 ,000 of bullshit this month. I mean, oh, no. Checking account, any balance,$26. This is Apple bill, Apple bill, Microsoft, Apple bill, cloaked, cloaked, Netflix, Hulu, Apple bill, Apple bill.

1:39:19What a joke. Microsoft, Apple bill, PlayStation, Apple bill. Pull out your f***ing phone.

1:39:27It's mostly just subscriptions. Yeah, no s***. And that's what I'm looking at. Just give me your f***ing phone.

1:39:38Great. Brand new phone. That's what he needs.

1:39:43Wow, that's an old picture. oh my gosh AppleCare Plus, AppleCare Plus AppleCare Plus, three AppleCare Pluses Element Weather Radar Ground News, Malware Bytes Mobile, Paramount Plus, Quick and Simplified Budgeting App, which you said sucks so I would just do DollarWise we switched our payment structure so that if an account doesn't connect it falls back and there's multiple ways to make an account connect other budgeting apps do not have this, we do we invested the money for it DollarWise.com Reci-me? Recipes? Is that you're paying subscription for recipes? Paramount Plus, out of all subscription services, is the worst.

1:40:22This is just so moronic. This is such a dumb use of money, man. $11 in this account. Tractor Supply Taco Bell. Bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit, bullshit. Oh, good. Two over-jaffed this year so far on the previous checking account. Who would have thought? I guess I shouldn't do that to a veteran. I'm sorry. $1 ,208. Any balance in this, at least? Thank goodness. Oh, but we're door dashing. Microsoft Store, DoorDash. He buys video games every second of his fucking life. Amazon, SiriusXM. Who the fuck has that? McDonald's, Amazon Digital. I keep trying to cancel Sirius.

1:40:58What do you mean you keep trying? Call. Fox and Hair or email or bullshit. This is stupid, stupid, stupid. Stupid, stupid, stupid. Stupid, stupid, stupid. Can you tell I've given up$56 on this one? Oh, good. ATM will draw$43. Who knows where the f*** that went? Liquor to drink through the conversations with her, I bet. Apple Bill, Apple Bill, Oculus. Oh, my gosh, so much gaming. Kim, Sonic Drive-In, Oculus, Canva, Apple, Amazon Prime. Kim's, Raising Cane's, Kim's, Chili's, DoorDash-ing. Apple Bill, Chick-fil-A, Microsoft Ultimate. Again, oh, DoorDash and Wings. Microsoft, again, Microsoft. You buy video games every five seconds.

1:41:34PlayStation Network on both systems apparently. Kim's, Denny's, Tractor Supply, Amazon, Amazon, McDonald's, Ubering, Ubering, DoorDashing, Uptown Restaurant, DoorDashing, Hawaiian Bros, Russia's Stover, Amazon, going in and getting some bulls**t, DoorDashing, Panda Express, Sonic Drive-In, Apple Bill, Steam Games, Apple Bill, DoorDash, Hulu, Taco Bell, El Toro, Tractor Supply, Cloaked, Netflix, Apple Bill, Amazon, Apple Bill, Chick-fil-A, Appleville Kims. You have no sympathy for me. Your spending is f***ing bulls***. The fact that you have to borrow from your grandma, you have to borrow from your mom, you have to borrow from your dad just for an Xbox.

1:42:09The fact that you have to borrow from them to get f***ing a quarter of your mortgage payments. No. You f***ed up. This is dumb. This is stupid. This is moronic. I f***ing hate this. This is, I don't like your existence. I don't like her existence. F***ing, this is so stupid. Listen, I'm so sick of this that it just makes me beyond, beyond. I can make a budget. I'm not going to. You're just annoying me. What I'm going to do instead because I feel bad about not making a budget, I'm just going to pay for you to sit down with an expert because maybe they can communicate in a way that doesn't just f***ing piss them off because I'm done with you guys.

1:42:42I am done with this conversation. I'm sorry. I'm sorry. I just can't. I don't want to communicate with you anymore. Now, we're going to try to bring her in and have another 20 minutes in the post show, but I do not want to talk about these finances. I do not want to build a budget. I don't want to do any of this bulls*** anymore. This is so stupid. So join us for the post show guys Join Hammer Elite It's the best YouTube membership in the history of this platform The platform has told us that themselves And that's why it's the second largest on the platform Soon to be number one So make sure you join that link in the description below Oh my Join the Hammer Elite tier for extra shows Thousands of hours of extra content Hundreds of hours a week Hammer Financial Score Spending your budget I don't know I'm just pissed Hammer Financial Score Let's go to the post show Download the budgeting app Sign up for DollarWise Central if you want to take advantage of all our educational services.

1:43:32Oh, f*** off. Colt is planning on opening a business. For f***ing sake. You didn't tell me this. I thought I did. No. Colt has to take out a$50 ,000 loan. What is it, Colt? Why didn't you tell me? I told you. But you even told me. She probably doesn't know. Collusive members content. Click the link in the description or pinned comment below and watch thousands of hours of extra and uncensored content. 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.

1:44:08Like tea time you. Mmm. Or this tea time you. Or even this tea time you. Said you hear about Dave. Or even tea time, tea time, tea time you. Mmm. So update on Dave. It's up to you. We'll take the laundry. Rinse. It's time to be great.