I Exposed Her Cheating On Financial Audit

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23:35Why'd you guys break up? We started living together when we started living together early when we started dating. We only dated for like a month, I think. Yeah, and he got kicked out of his grandmother's house. I got kicked out of my grandmother's house. And he moved in with me and my parents. So I moved in with her and her parents. Why'd you get kicked out of your grandmother's? Well, so So Lily came over one night and my grandmother's asleep. I have people over sometimes. And so Lily comes over one night. We didn't do anything, anything. We're just on the bed cuddling, fully clothed. And my grandmother, I see her poking her head in my room.

24:09And then she turns away. And then the next day she comes at me and she says, I think you would be more happy if you lived on your own, which was not possible for me at the time. I did have a job at the time. He didn't mention that I also wore short shorts and his grandmother is deeply religious. So, I mean, I don't think she really liked that. That's weird for her, but it is her house. She could have been dressed as a nun. So, I moved out and went to Lily and her parents' house. And the plan was is I was going to get an apartment. But we spent a lot of time together and things were going really well.

24:46so we just kind of got comfortable in staying together like that. Is that when the money started getting intertangled? Well, I had a job at the time. And I was in school at the time and had a job and had an internship so my time was spread really thin. So when we started I was in the relationship but I was half out of it as well. He was living in my house. It's okay to be independent and busy. That's not an inherently horrible thing. It just depends on the relationship. Her best friend moved in to this whole situation, and it created a situation where every night she would come home and she would spend time with her friend drinking, and I didn't really like the friend.

25:26I just would stay inside, and so this rift started to form. And after a while of that, I kind of started talking to somebody on Messenger. He was trying to break up with me because of this person, and I didn't want to break up. Well, it wasn't necessarily because of the person, but. I mean, we're, I mean. To be able to save the relationship. There's a lot of cheating in this world. To be able to save the relationship, I got us an apartment, got us out of my parents' house. That's what will save that. I mean, obviously, all the problems were coming with all the people around us. Like, I was getting spread thin.

26:06Like, Pete, I mean, my parents wanted my attention. And he was your friend. And you were boozing with your friend every night. That's also true, yes. but he also didn't want to participate. Yeah, maybe he didn't want to booze with your friend. I wouldn't want to booze with your friend. He didn't want to hang out with my parents either. My parents were paying for most of that at that time anyways. You've got to put in a little bit of the parental love. He didn't put in a lot. At the time, I thought I did. I don't remember my relationship with her dad really going souring until like right after we moved out and then.

26:35But why is all of a sudden, if we're living with someone, we're dating her, why is that? We message someone. because this risk was forming I felt like abandoned essentially yeah but you hadn't broken up yet or gotten permission though open relationships so that is cheating and I know here I have a type I didn't know how to communicate things like that okay that's not communication though because I have a message that said your messages to this person was about a fetish dynamic you wanted to explore that's not there's a rift that's not I'm feeling abandoned that's you messaging someone about a kink you wanted to explore what was that?

27:07a master-slave dynamic

27:12Me and this other person both shared that fetish, and that was something that Sarah wasn't. Who was the master who was the slave? I was the slave. Ah, yeah. And it was a dynamic that I didn't feel comfortable trying to share. Lily. I didn't know with Lily because I felt like she wouldn't understand the dynamic and that it would have too many implications in the real world and not be able to just be compartmentalized. Well, keep the kink inside, inside the house. Well, I even tried to get into the kink with him, and he just didn't want it. He wanted that separate. He wanted the girlfriend, and then he wanted the sex stuff with someone else.

27:48Which could be fun if you guys are aligned on that. But we were not. I didn't know how to bring that into it. Yes, you're vetoed in the against cheating, aren't you? I don't like it. I trust them until they give me a reason not to trust them. Yeah, I know. You're so against cheating. And then, okay, so you found out somehow, right? Yeah, I looked through his phone one night. Don't ever do it, guys. It's not worth it. I looked through it. I saw it was under a different name, and I was like, you mother f***er. I just threw the phone. He was asleep, and I slapped him across the head. And it was not my brightest moment.

28:21Wait, but then he broke up with you? Well, I had broken up first before we moved in the apartment. And then we moved into the apartment together, and she looked through my phone. She actually looked through my phone a couple times. I agree. Never go through someone's phone. Let me see your phone. Really? Yes. You've seen the show. Absolutely. Of course. Also, someone smells like booze here. Who is drinking? Me, maybe. To calm down a little bit. It is currently 27 minutes into the episode, and it's 11.53 a.m. at the time of filming this. I'm off today. Yes, it is. I'm out driving. I drove here.

29:00He's driving back. What time did you drink? 10. He texted, I'm awake this morning. And she said, okay, I'm bringing you a waffle to his place. And then I asked for milk. What do you mean by that? And then she said, come down to my room for a second. I was doing my makeup and hair in the room. Uh-huh. So why did you need him to come down? Because he was getting all this stuff out of the other room. And I had all my stuff in my room. And he was getting stuff down to the car. I was going to be on time. Yeah, and we got here early. Just the wrong, you know, building, you know. Okay, Tuesday, she says, so I'm finishing up work, but I slept like total shit last night and I'm exhausted and still sick.

29:45I really want to go home and take a nap. Did you want me to bring you food? I mean, I guess that's not crazy because we already know that you guys are. But I mean, that is crazy. Normally. It's just so normal to us. I don't really think of that as crazy. It is not normal. Our whole dynamic's not normal. Mom asked me to swing by Walmart for a few groceries. You want to shop with me? Or just have me meet you after? I mean, he doesn't do anything all day. Let him come out. Come on. He can come to the Walmart. I did go shopping with her that day. Her mom was there. You hit her up all the time, and then you never really finish.

30:24You always like— What's your day to finish? I went shopping. No, no, no. You hit her up all the time. Like, what you doing? She's like, I don't know. I'm doing okay. She's like, what you doing? Well, we continue the conversation when I go in. talk to him. Uh-huh. You're only supposed to text for a meetup. You know, just sit there all day texting. Who's Ponyboy? Ponyboy's his friend. Ponyboy's my ex-drummer. You're talking to him too. Yeah, I mean, they had a huge fight and I'm kind of the go-between with that. Okay, I guess you had a big fight with him at some point. This was years ago, man. He was...

30:55Oh, you're trying to take accountability now. What's Vidor? That's one of the cities in the Golden Triangle of Southeast Texas. of Southeast Texas. Definitely East. That is for sure. Headed back now. Want to meet me in my house in 12 minutes? Okay. When you take it out of context, it might sound crazy. Are you kidding me? He lives about seven minutes away from my house. Well, I'm not going to go into the rule that you told me about. I come scoop you up? Yes, I'm here. Dude, this is a lot of engagement for meeting all the time. All the time. Yeah, I see him every day. We hang out every day. Do you guys communicate on any other platform?

31:44No, maybe I'll send him some memes on Facebook. Messenger. No Snapchat, no Instagram? No, I don't do that. I don't have Snapchat. I'm an adult. So sometimes on Messenger? Yeah, you can look at Messenger. It's not a problem. He's trying, man. He's really trying to find something. Dude, I already have. You guys are meeting up all the time. He's an auditor and that's what he does. Yeah, yeah. I mean, I'll be honest. In the end, first of all, he's at the top of your text list and messenger list. He's just at the top. Where's the other guy? I mean, he's there. He texts all the time. Are you hoping he sees this and breaks up with her?

32:21No. I'm hoping he doesn't see this. Why? I'm hoping nobody sees it at this point. Why? Because he's embarrassed. Oh, man. So I know right before she broke up with you, you went out and just made up with a bartender. Yeah, I played a show with Poing Boy, and there was a bartender, and we all went to IHOP, like everybody, all the band people. And your revenge for her breaking up with you was you buying feet pics from her old roommate. Oh, yeah, well, that comes later, but that was a thing. Yeah, but I'm being told you weaponized these feet pics Yeah, well, it was a means of revenge on both of them It was revenge on Lily for having a boyfriend And it was revenge on the friend for being a dick Uh-huh, and I guess your revenge immediately was going and f***ing a woman While I was paying for the apartment, he sure as hell wasn't f***ing me So, I mean, it's not my fault that he couldn't finish with the girls With the girls?

33:27Well, with the girls he cheated on me with, it's not my fault he couldn't score. Huh? What does that mean? You mean he couldn't get with them? Yeah. So the people he messaged. She's saying that she one-ups me because she could get laid. I mean, if you're going to make out with a girl, you might as well just screw her because it's already downhill from there. Guys, this is weird. So how intertwined are the finances still? Very intertwined. Why? Why after three and a half years? Why? Four years? I think there is a lot of guilt from all that retaliation. What's the guilt? What do you mean? Oh, from that retaliation?

34:00Yeah. That's the guilt? That's what you feel guilty about right now? Hiding this from your boyfriend and parents and all this shit? And whatever the family guy means? I like family guy. That's the guilt? That's what the guilt is? Guilt from four years ago? So what's the intertwined? Tell me. Well, essentially, she has her finances, and I have no finances. All my finances come from her. Oh, completely. And the current boyfriend doesn't know that part. I mean, considering his situation, I'm sure he can assume. Is he a cocky? Is he a little pussy? No, he's very alpha male. What? No. Yeah, he's so alpha male, goes around talking about how alpha male he is.

34:41No, I don't. Okay, well, who goes around saying that? He does or she does? I mean, you're the one who was a slave, not him. Yeah. Yeah, but at least he's like, he understands himself. He embraces it. Someone going around, I'm an alpha male. Sounds like the biggest pussy I know. And also, no offense, him getting cucked for three and a half years sounds like the biggest pussy I know. I mean, he could have moved me in a lot sooner and we wouldn't be in this mess. At least he likes being slaved instead of cucked. I mean. He looks like he likes a good whipping instead of you f***ing a dude in front of him.

35:14I mean, it was behind closed doors, but I mean, yeah, still. So I don't know about that. Actually, I'd like to say for the record that when she slept with that f*** boy, I busted in the room and I told the dude, you're not sleeping here, you f***ing creep. And full disclosure, I paid you$100 to get out of the apartment. That was the first time. That was the first time, not the second time. What did you do the first time? That was the only time. There were two times. Bullshit. Yeah, it was. No, I don't believe that. But you're the one who did leave. So y 'all were watching Justice League, black and white, and I'm like, why is the aspect ratio all weird?

35:46Because I was f***ing with the guy because I didn't like him. Well, he was a loser anyways. And you threatened to call the cops on me if I put my hands on him? Yeah. So he better be thankful for that. Not the first time I had to call the cops. Better be thankful for that. Not the first time you had to call the cops? She did not have to call the cops. What? She didn't have to call the cops any time, but she did. Huh? What was the first time? He gets angry. In what way? What has happened? Well, I have left before, and I was kind of vindictive, and I did turn off the internet and stuff. so I might have I mean he didn't take that too kindly and I tried to leave with the weed and stuff too and he didn't take too kindly to that so I couldn't really get out the door.

36:30He wouldn't let you leave? That's not true. That is not true. That is true. She was the one standing I was not standing in between. I was standing at the door She was at the door. I was not in between her and the door. She had the weed in the bag I tried to grab the bag. I was not trying to grab at her. I was not trying to touch her but we tumbled together. We fell together, actually. Both fell down. And before any of this happened, she slapped me in the face. I slapped you in the face because you pulled at me. And when the cops came out and I told them no, no, you slapped me first. Then I reached for the weed.

36:59And when the cops came out, they asked me if I want to press charges and I said no. They asked me too and I said no. Because you ain't about that life. You have no idea what it's like to deal with the legal system. I've had to deal with that shit. You do not want that. That's fair. What have you dealt with? I had And I've had probation two or three times. Oh, for what? So the first time I had probation, I was underage. And I hit a guy on the bus for shooting a spitball at me. Reasonable. When I was 19, I picked up a possession of marijuana charge and a minor in possession of alcohol charge. And I did probation for that.

37:43And I want to say, well, no, it wasn't probation, but I spent a night in jail one time for a trespassing ticket. And are these on your record when people do background checks? They're all expunged. Okay, and there was another one? That should be it. Okay. So two probations and 32 hours in jail. That's it. Are we not surprised you're not getting a job? I mean, your lifestyle and your personality is a bit... Bruv. Not employable. so long as you've had a job. Well, every job I have, I excel at in the work itself. It's the HR and the corporate talk and the news speak that I can't do. The news speak?

38:27The news speak, yeah, from like 1984. That's how people talk nowadays, man. What's he talking about? News speak? HR talk. Does he excel? Karen talk. I mean, he's really good at his job when he gets it, but like the last job that I kind of helped you get into, you kind of that one up. Oh, you gave it? Oh my. What's the longest you've had a job? Well, it was in like the end of December, beginning of January. I got hired on at a major, major supermarket. H-E-B. And I didn't even make it. I had the computer day where you watch all the videos and I had one day of training on the floor. That's the longest job you've had?

39:08No, no. I'm sorry. What's the longest job you've had? What I had was a year. It's like by 34? I've had two jobs I've held for a year, and those are the longest I've ever held a job. What were they? Walmart I held for a year, and the other one— The gas station job? Oh, I held the gas station job for two years, but it was off and on because I went— That's where we met. I went like a year and then quit. That's where you met. Yeah, we both worked for the same gas station company, but different stores. We weren't intertwined. He worked by the one I lived close to, and I came in one night to get a Four Loko, and yeah, I was going to ask him out.

39:47Well, he was going to ask me out apparently, but I asked him out first, and I got the number. Now, why did you quit HEB after a couple days? Oh, well, let me finish. Yeah, so I did the training day, and I'm supposed to be hired for overnight, and they're telling me I'm supposed to have a schedule. By the end of my training day, I don't have it. And I go home, and the next day, my manager calls me. He's like, can you come in today? and I couldn't, I literally didn't have clean clothes. And I'm like, no. And he's like, well, when can you come in? And I'm like, I can come in overnight. And he's like, can you come in tomorrow at 9 a.m.?

40:17And I thought that was a little weird, but I wasn't thinking too hard about it. So I said, yes. So I go in the next day and he's like, we have reasonable suspicion and we're going to drug test you. I straight up told him like, dog, you ain't got to drug test me. I'll just tell you right now. I'm going to pop for marijuana. And he's like, well, I'll tell HR that you're refusing to take a drug test. I'm like, that's not what I'm saying. but I asked him what the reasonable suspicion was. He said there was an aroma coming from my bag. And I think. Like her and booze. Very reasonable. Well, I didn't remember, and I think that's just because it's so habitual.

40:47I'm pretty sure that I took like a butt or two because I didn't have any at home. She works at the same HEB through her job, so I stopped by the car and I grabbed some weed and I put it in my bag. Then I go inside and I don't think about it because I'm such a habitual smoker. So when I say I bear a certain amount of responsibility, that's what I mean. I do bear a certain amount of responsibility for my situation. I would say so. So what's this corporate talk? Give me an impression. Hi, how you doing today? Yeah, so we're looking for somebody with a flexible schedule who wants to be part of a team.

41:24Okay. Do you fit that description, sir? I mean, yes, that would annoy me a little, but don't you think that is actually relatively fair for what they want? Just be real with me, man. This is life or death for me. Take me the job or don't. Well, it sounds like don't. You don't fit the culture. They want, because people at HUB, I honestly have only had good experiences with people working at HUB. And I feel like you wouldn't be that. That's fair. That's fair. I've got the personality of a professional wrestler. Okay. So before we go into these finances, I have one other note. that is honestly just blowing my mind because it's leading to a different conclusion than I think you intended it to when you said it.

42:04But it was like, oh, every time I think of getting back together, it's an instant no, not worth it. I understand. It should be an instant no. But the thing is you're considering getting back together. Well, you've been with a guy for three and a half years. Do you not hear that part when you say that? What is this thought of getting back together? You're with another man. No, no. I never thought about it like that before. What? How can you say every time I think I'm getting back together, it's an instant no. You've been with someone for three and a half years. I know our situation, and so does all the people in my life.

42:36When people ask me. No, objectively, no. When all the people. Objectively, no. You just. You said you know the situation in my life, okay? No. First of all, Bernard. And second of all, no. You said your boyfriend doesn't. You said he knows like 50%. He doesn't know I'm here. He doesn't know I'm here. He doesn't know you're here. He doesn't understand the extent of the financial integument. he doesn't understand the details of everything. He knows broad scope, high level. That's what he knows. Right. So no people don't know the situation. What the f*** are you talking about? Well, when they asked me about it and like why I keep him around is because I want to help him and I do want to see him do better.

43:13I want him to get better. Like I want him to be able to live and actually live. Come on, Caleb. Come on. Bro's just winning. Doesn't have to do anything all day. Gets the f*** around, do drugs, play video games, and he gets his dick sucked. It's an assumption, not asking. It's not that great to do nothing all day, trust me. No, it's not. It's depressing. No, it absolutely is. And honestly, you should man the f*** up. And I'll get you a course career certification and something your choice, maybe construction, maybe a tech trade, or maybe a, sorry, maybe a trade. You take what you want with it.

43:47You go through the certification, get a f***ing job. That means you actually have to apply. A lot of people in the audience have used course careers to improve their income dramatically. So you should too. No, I mean, yes, you are an absolute joke. You really are, as far as a 34-year-old. But the fact that you're enabling and also there's some weird shit going on, and I'm not going to go down that rabbit hole, but it's like, what the f***? I feel bad for your boyfriend, and I feel bad for you, and also you're enabling him, and also it's a f***ing mess. I mean, you give him an allowance plus take care of all his bills.

44:22What's an allowance? You're giving him an allowance? Yeah. Why? How much? For what? Oh, it's like, it's just$80 a week. It's if he wants an extra food or soda. You are giving an X from four years ago an allowance. These are my numbers, boys. All right. This is the number of Hammer Media LLC. They're seeing it for the very first time. What you have done with the memberships, I think, is remarkable. I see how much you're posting, and it is mind-boggling to me how much you get out there. Yeah, and honestly, since that membership number, because this is January's official numbers, we've added... I'm amazed at how much your shorts make you.

44:57Can I say that? Oh, sure. Your shorts generate you... This was crazy. What happened? You see, what was that? I mean, we lost... It's the same. No, I'm not happy. We're talking about like the same... Let him digest. Okay. I'm not happy right now. I'm actually texting him. Who are you texting? Robert, COO. Is Robert doing a good job if this is happening? We'll see what he says. Is there a price where Ramsey Solutions says, Caleb, we want this. After tax is$100. $100 million. I'd consider that.

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46:48Well, you have a boyfriend. Well, you're not just hear that. He's literally the equivalent of a child to me, though. Good. Let him learn and grow up and become an adult. So I'm trying to do. You're not trying to do that by giving him an allowance. But I also gotta let him live, too. No, he will figure it out. The dude's not going to die. Yes, he is. No, no. And if he does, natural selection. But he also, he's just He's not going to die. I mean, you don't know his living situation. He would figure it out. He would go to a shelter. He would do something. I don't think he would do it himself. He's not going to do anything because you just endlessly support him and buy him things.

47:21I'm being told he guilts you into buying more things constantly. Guilt? Well, she said you do. I kind of use it as in seven for him to do something. What? Do what? You do this and I'll buy you. She brought me to come here. Yeah, I did. What did you do? Did you get him to come here?

47:41Well, we might have went by the Lego store on the way over here. And I might have bought him a Lego set. He didn't even like it, though. It's not fair. Now we got to go back before we leave. Like, I got a Lego set, too. But that's besides the point. Okay? Oh, my goodness. It's under your seat. Let me see it. this is the one she got oh my goodness this is reality every time someone thinks this show's not real that's the power of love baby it's cool I like it I'm a fan I want one

48:25I built it last night you really like it you did I did she got something for her and then she got something well she got something else for me what'd you get I got the new Millennium Falcon, but we're going to take it back because it's part of the Lego's smart brick system, and I'm not trying to buy in on their smart brick system. Okay. That's a little deeper down the lore than I even know. I guess I'm not in that deep. All right. This is going to be out in your finances. Your finances are zero. Your finances are a loser. Your finances are fucked you. I've never made more than$10 ,000 in a year in my entire life.

49:00That's not possible. If you've held down a job for a year, that's not possible. Unless you mean holding down a job is like five hours a week for a year. I guess I've never done the math on this. I had the Walmart job from February to February, so I had it for a year. I was making at the time, what was it,$9 an hour? And I was working full time, so I've never done the math on that. Okay, well, that's more than$10 ,000 a year. Regardless, I'm going to be auditing your finances, and we need to get you to separate, and you need to grow the f*** up. Your financial score is 0 out of 10. I'm just going to say it now.

49:31I want to know what you think yours is. Zero being the absolute worst, 10 being the absolute best. Well, I took it back in July when I started, I mean, when I first did the application, I did another one again, and I got a 2.5. Oh, okay. And I'm hoping a 3.5 now. We never know. We'll see. Listen, if you want that score the same way she did, all you have to do is go to calebhammer.com, take the assessment. It is free. It just takes a few minutes to see where you stand in the world of money, where you're doing great, where you're doing poorly, where you need to improve. And if you don't want to end up like him or her, sign up for the new and improved DollarWise budgeting app.

50:06It is incredible. It has changed the ecosystem of budgeting apps out there. Take the free trial to see if you even like it. And if you do, most people sign up for the annual version because it saves 50%. And you, honestly, I don't think this is, is this after March? Is this being uploaded after March? Oh, this is gone. Sorry, actually, you lost it. That doesn't exist anymore, but you will. Annual members get our budget meal plan. It's a detailed meal plan for every day of the month. signed by me, mailed directly to you. It's also sick, but the cookbook's gone forever now. Sorry you missed your opportunity.

50:35Go to dollowise.com, kalohammer.com. Get set up with all that good stuff and change your life like tens of thousands of other people have. Let's get into this. And if it is still March, just in case, yeah, then it's still available, but who knows. Oh my gosh, you paid for a parking ticket for$500 for him as well? What the fuck are we doing? is there anything what was that it was a beep boop did you not do you not mute your phone like we told you to do I'm sorry that was I'll do that now I'm so excited to call your boyfriend you have no f***ing clue you have no clue alright let's talk about Discover It I'm gonna assume every account is yours right yes do you even have an account anywhere of anything I actually have two accounts at federal credit unions what that are you don't even know this yet you give him money no no no no wait wait Wait, what?

51:27You don't have credit. That's my checking. Those are my checking accounts. That's my natures and my stellar. Stellar? What's stellar? It's the bank up the street. Well, it's not even a bank. It's a credit union. Do you have an account there? A federal credit union where I just put, I have checking account where I put money in. What money? You don't have money. The money you give me for an allowance. Oh, okay. Or actually, there's nothing in the stellar at all. So why do you have it then? It's a bank account. It's a checking account. So in case I get a check, I can check it. I can cash it. Well, isn't that supposed to be what the Natchez does?

51:58Well, yeah, but I picked, they don't have Natchez in Houston. So when I worked in Houston, I got the Stellar. Okay. Continue. Go ahead. We'll look at those if we can. So discover it. You're holding an immense balance, yet you're giving a man-child money and buying him an$800 Lego set on the way here, yet you're holding an extreme balance that is accruing interest.

52:24$2 ,594.44 with interest accruing of$34.99 a month and a minimum of repayment of$55. You put way more on than you put towards it. By far, not even close. You have f***ed it. What are you doing? This takes 10 years to pay off and you'll still be a child that you're supporting. What the f*** is wrong with you? Why are you spending so much damn money on this credit card when you are not paying it off to save your f***ing life? Well, I mean, my money only goes so far every week. I get paid every week and I... Because it's all going to him! You moron! No shit! When I get... I only have so much money every week.

53:00How much was spent going out to eat? I only have so much money every single week. How much was spent going out to eat in the previous month? At least$12 a day. Maybe. That's a good estimate. I would say probably like$400 or$500. What would you say? She spends on a monthly basis going out to eat. She only has so much money. Well, what's 12 by 30? Like$300 something? $360. so probably$400 just for lunch at least. $1 ,332.43 in the previous month going out to eat. But I only have so much money on a week. You. What are you talking about? That's an insane amount of money. That's a fourth. No, no, no.

53:35It's like a fifth of your income. What are you doing? What are you talking about? What are you talking about? Why don't you live at home? You blow it all going out to eat. You're a loser too. Live at home 28, 29. What's wrong with you? Actually, I'm okay with living at home, but listen, you do well. You don't need to. No. You're literally having to get permission to have your ex come over. Her parents couldn't afford the place they have it there. Oh, so you're getting milked from that direction too? Yes. Oh, good. Yeah, and they just went. So you're putting money towards their rent or something?

54:07Oh, yeah. I give them$400 a month, and they just went through their second bankruptcy. So they don't have money right now or any credit card. So if they need something extra. She's any of her money. Her mother has her hands on it. She's on my account. She does. She takes out what she needs to to pay bills. I don't physically pay my own bills. Okay. She takes them out. She budgeted it out for me. Oh, they bought GLP once with your money. Yeah. Yeah. That shit's expensive. Yeah. The year's worth. They bought the year's worth? Yeah. I think together it was like 44. Bro, you got to get out. You just got to go be independent.

54:43Move somewhere. Just get away from these people. You can love your parents and still move away. I've been doing that for years. You're that guy. You're the equal thing. You're the same thing. You're telling her that? What do you mean you are that? What? She's paying your rent, your utilities, your everything. Why can't you move in with your boyfriend? You've been together for three and a half years. Allegedly. Yes, we have definitely been together for three and a half years. My first two, I've only had three relationships. My first two, they moved in really fast and I felt really trapped. It's three and a half years.

55:16It's different than one month for you guys. Well, we also work together. You and your boyfriend? Why would you do that? We don't work together together. We work for the same company. That's not entirely true. We were the same position when we started, but he got promoted. Now he's your boss. Yes, and he can't work over me. It's not inherently bad as long as you guys follow all the HR rules. Everything's disclosed. everything's blah blah blah I mean TikTok's going to be more power dynamic but there's clear things that companies do to make sure there actually isn't a power imbalance but that is weird in general I can see and you won't move in together his longest relationship was like 7 years and it was long distance so he's never really lived with a woman either he's lived with his parents why are you wasting your time with this boy if you're not even willing to move in with him.

56:14Oh, I'm willing. I just... Why aren't you? Your parents are milking you and your ex is milking you. Do you not understand that? That's fucking crazy. I've got told so many times. No, no. I do want kids, though. Oh, you already have them. Yeah, I know. So when you guys live together, is he going to be able to come over? No. No, I'm trying to get him all settled in his own life, get a girlfriend, you know. Oh, so shut the f*** up. He clearly wants to be with you. No, it's not happening. I'm sorry. Okay, but you would choose her if given the choice. Not anymore. Stop the cap. What? No, not anymore.

56:51I think he got hurt when I told him, no, even if I broke up my boyfriend, I wouldn't go. She's never told me that. That's a lie. I've told him that. No, you haven't. That's never been what you said. What did she say? We had a conversation actually kind of recently about this, and her boyfriend was never a factor in any of the things that she told me. essentially what she told me is that she would not be able to trust me if we were to come back together and of course you know I posit that that was years ago and I'm a different person but you know I still can understand that sentiment but to me it's like at this point how can I get back with her even if she breaks up with her boyfriend knowing that she was with him for so long knowing what I know about him.

57:41So you would have wanted to get back with her if she didn't say that? I mean, at some point, absolutely, I would have gotten back with her. But, like, man, I do not like anything I know about her boyfriend. He doesn't know anything about my boyfriend. I know what he said about Charlie Kirk's assassination. What did he say? He said, I don't give a fuck. He was a piece of shit. He did not say that. That's what you told me he said. That's what you told me he said. We are Charlie Kirk! Well, he also got mad at a whole wrestling corporation for doing a skit about the assassination of Charlie Kirk. No, that was a different thing.

58:20That was a different thing. What was it? And I did not blow up out of proportion. It was they recreated the Rampage Jackson situation where Rampage Jackson attempted to murder a professional wrestler or an amateur wrestler in real life, and then they recreated it for their storyline. It was a local promotion, and I tried to get their spot from the Comic-Con pool. Yes, I did. Because that was a bad test. You have too much time on your hands. He doesn't have Instagram anymore because he keeps getting fights on Facebook because he keeps getting in fights in the comments. You keep finding people that like the assassination and yelling at them?

58:52It's not even about that. It's just random stuff. No, so the thing about the assassination is... Oh, yeah, let's get into this. Let's get into this. Yeah, let's get into this. Okay, so here's the thing. I don't care about Charlie Kirk. Don't like him. I don't agree with him with the most things, especially with foreign policy and politics. But the fact that somebody can get shot in America for expressing their political beliefs and engaging with people is absolutely... I think every normal person is against that. Well, not her boyfriend. Boyfriend doesn't give a... That's a bad take that your boyfriend has.

59:20Death shouldn't be celebrated. I can't speak on my boyfriend. I don't even know if that's an accurate representation of what he believes, so... Yeah, why do you even have that opinion? You've never met this guy. Literally the words came out of her mouth. I don't believe that. 100%. He hears what he wants to hear.

59:37Every day. You drink every day? So she don't remember. I do. You're an alcoholic? I am. I'm trying to quit. We're both trying to. Oh. That was another thing. I used to tell her when we were together, you can't become an alcoholic. And lo and behold. Decent rule. It's a pretty good rule. We both of his parents were alcoholics. So I don't think that helped in our relationship either. So I think it was. My mother died from cirrhosis. We are trying.

1:00:08Okay. Any other addictions I should be aware of? I smoke marijuana every day. We know that. We know that. What about your, what was just typed to me, scratch off? Oh, yeah. But I only have so much money every week. Yeah, tell me. It's been a lot better because I don't have the money to do it anymore. What's a lot better? $60 a week for your whiskey? 400 a month for your weed? Oh, how much for your scratch-offs? Oh, you guys are, you guys are,

1:00:42wow, society is carrying you guys along. Yeah. Isn't it? Well, I mean, I have fun. I mean, scratch-offs, I don't want to be at home all the time. I mean, I don't want to be, I don't want - But you drive to different locations to sell chips. Yes. Are you drinking? No, no, no, no, no. After work, I mean, shoot, everybody likes a cup of whiskey after work, don't they? A cup of whiskey? A cup, do we call them cups of whiskey? A glass, a cup, you know. A cup of whiskey sounds a bit different than a glass of whiskey. I would, that sounds about how you smell. Was that what you were drinking this a.m.?

1:01:17Yes. Oh, before you came here? Mm. Really? Mm. Wait, how early did you start drinking this morning? Probably nine. I think I said 10 early. I think it was nine. I get nervous and yeah, it helps with the nerves.

1:01:34Oh my gosh, both of you are insane. I had no idea. Honestly, I'll be honest. I didn't think this episode would be anything. I saw you guys and you guys were so quiet every time I tried to talk to you guys out there. You didn't say anything back to me. I don't know why. Like usually guests are like kind of happy to see me, but I was like, hi guys. You didn't even acknowledge me. And I was like, all right, what the fuck am I dealing with here? But this is insane. You guys are actually fucking insane. What the fuck's wrong with you guys? Is that what you're spending the 2 ,139? And you're$1 ,300 going out to eat.

1:02:06Scratchers. How much are scratchers a week? Dude, miscellaneous bullshit. That must be scratchers. $545. $545. How much? That wouldn't be that much. How much is scratchers? Unknown shopping,$529. Other large,$1 ,600. Dude, you probably spend 3 ,000 hours a month of bullshit. I probably spend like... This is insane. For this credit card, you're saying, I hope my score went up from July. You just added thousands to this interest accruing card and it's all bullshit. You f***er. Well, January is the better of the months. I'm glad you don't have last month. No, this goes through January, end of December.

1:02:43Oh, yeah, yeah. All the way through January. No, this is the entire month of January. I'm glad you don't have Feburys. What is wrong with you? Oh, nothing. That's pathetic. What is wrong with you? It was my birthday and Valentine's Day. What size of whiskeys do you get? 750 milliliters. Okay, how big is that? Oh, shit. That's pretty big. That's what she said. So it's one of the bigger bottles? I guess. And how frequently are you buying these? Twice a week. Okay. I am not a drinker. Please. It's a lot. Give me indications. What is it? 700 liters? 750 milliliters. 750 milliliters twice a week. Okay.

1:03:25I'm getting shocked faces in the studio. Yeah. Yeah, I, yeah. That's a lot of whiskey. Yeah, and I've been an alcoholic for probably about the last eight to ten years. Damn. You're 29? Oh, good. You're an actual alcoholic, but you don't drink at work? No, but the problem is. I use the restroom. Bro, can you, what the, fine, go. No one has to on this show. What is wrong with you? We're trying to film something here. He has a small bladder. Why the f*** are you supporting this? This degenerate piece of shit Brandon come double team with me here What the f*** is happening here? Smell her breath Brandon it's horrendous Well yeah it's alcohol You wouldn't even let me have a mint I even asked You're just trying to hide your booze

1:04:19Sorry. Brandon, what the fuck? She needs to abandon this man immediately. You two are the two biggest losers we have ever had on the show. Yes, but you're supporting him. That's pretty harsh. Oh, that's harsh? Yeah, I do a lot. You're doing it. Exactly. Why are you supporting him? You need to abandon him. Well, he's literally homeless. What can I do? You're cheating on your boyfriend. Allegedly, we are not going into that. Not physically. Which we don't know and we're not talking about. Financially, he's very well off. I mean, he doesn't give a shit. What? Financially. Oh, you're going behind his back, though.

1:04:53He doesn't know everything that's going on. You said he doesn't know the details. That is still infidelity. I suppose in a way. No, it's infidelity. Infidelity doesn't have to be sticking it in, which, again, we're not talking about, so I don't even know. But it doesn't matter. Okay. Why are you doing this to another man? And why are you supporting a loser? You need to leave. And also, you just go get some help. If you actually are struggling, get some help, dude. Yeah, for sure. Like, I'm going to prefer you go to rehab over fixing your finances any day because your life matters more than that.

1:05:27Can this guy get out of the picture? Can you please leave Bernard? What the f*** are you doing? Stop. He will figure out his own shit. Humans figure out their own shit. They do. They do all the time. People have financial supports and they have family supports. So there's nothing I can do here. You'll never leave him. You'll never abandon him. This isn't... We're talking about an ex-boyfriend right now. Right, right, right. How many ex-girlfriends are you supporting financially? None. Exactly. I'm supporting no ex-girlfriends financially. Get a f***ing rip, dude. Here he is. So the spending on here.

1:06:06Going in and getting some bullshit. Going in and getting some bullshit. Who's going in and buying energy drinks and shit? Energy drinks are for him, and then I'll buy Starbucks. Okay, you're no longer buying him energy drinks and Starbucks. Make coffee at home. Give him coffee at home and buy him Gamer Subs. He can make this at home with his water. Here's some free samples. You can see which flavor you like. Okay, there's a few different ones. They're very good. You can get free samples of Gamer Subs at GG. Link in the description below. Make sure you use code Caleb, and then you can figure out what flavor you like.

1:06:33And then it's literally 40 cents a serving with my discount of 10 % off using my leg, okay? That's making energy drinks at home, and they're incredible. They're legitimately incredible. No more stopping and designing it into bullshit. Make your energy drink at home, okay? Use Gamer Subs. My fault. Energy drink, energy drink, Taco Bell, Little Caesars, KFC, energy drink, McDonald's, Chipotle, Dunkin' Donuts, door dashing specs. That was my sister. That has to be very frequent. No. Energy drinks, McDonald's, Wendy's, Thai food, Dunkin' Donuts again. That must happen all the time. I'm Sonic, Dairy Queen, Energy Drinks, Barnes & Noble, Door Dashing, Kikarame, McDonald's, Greek Grill, Starbeez, no make it home, Starbucks, f*** you.

1:07:24It's also like the worst chain. Like it actually is like the least good coffee. I like their consistency. No, you don't. They're consistently shit. First of all, coffee shops, it's just like bean milk. It's just like every coffee shop is consistent. Every place I go to is consistent. Shut the f*** up. Starbucks is bulls*** and a waste of money. And you already know that by making your coffee at home and investing the rest. So now you need to do that with your energy drink as well. Make Gamer Subs at home for just 40 cents a serving. And honestly, it literally tastes better. And we proved this accidentally via a blind taste test in our Hammer Elite show, Fat and Fatter.

1:08:04The number one ranked energy drink is Gamer Subs. Literally, the cherry flavor is insane. Listen, you can also get free samples to see if you like it or 10 % off your order at gamersupps.gg or click that link in the description below. Type in code Kaleb. I am so excited for you guys to finally get your hands on what I've been working on for a year. The brand new DollarWise budgeting app. And listen, I get it. The first iteration was a disaster. Many reasons from working with an external agency to shit infrastructure that I could use, but let's be honest, that was on me. So I put my money where my mouth is.

1:08:42And after investing millions of dollars and hiring dozens of people, we've completely rebuilt DollarWise and it is truly incredible. And to celebrate, I am giving you some insane deals to sign up for the first time or trying it again after you used the shitty version last year. But these deals only last through March 31st and then they're gone forever. Download now, take your free trial to test it out and get the monthly plan at a 33 % discount for three months or take the annual plan for an insane 50 % discount. And with the annual, you get my budget-friendly cookbook signed by me and my brand new 30-day detailed budget meal plan signed by me as well.

1:09:21Both of them mailed directly to you. But after March 31st, the cookbook is gone forever. So this is literally your last chance to get it. Don't miss this opportunity of a lifetime. Download DollarWise and start your free trial. Go to DollarWise.com or click those links below. Elsa's Greek Grill, Starbucks, Whataburger, Energy Drink, Energy Drink, Coffee, Taco Bell, Dairy Queen, DoorDash Dash Pass. That's what you need if we can't afford bills, spending thousands of dollars a month on bullshit, putting it all on credit cards while we're getting abused for every angle financially. Dairy Queen, Little Caesars, Apple Bill, Longhorn Liquor, DoorDash and Kickarame, Subway, Energy Drinks, Energy Drinks, Coffee, Wendy's, Energy Drink, Chick-fil-A, Isle of Garden, Discount Liquors, DoorDash and Kickarame, Spoon It.

1:10:14And I'm sure you guys definitely did not spoon it during Family Guy.

1:10:22Okay. Okay. And energy drink, coffee, Sonic, Sally Beauty, Papa John's, Sheen, Longhorn Steakhouse, 101 bucks. Longhorn Steakhouse, 80 bucks. That was not me. I ain't been treated to Longhorn Steakhouse. She got lunch for her girls at work and they reversed her. On your card? Well, she can't have credit cards because of the, you know. So? Because of what? Because she, they went through their second bankruptcy. Which is where you're headed, by the way. So yeah, continue that trend. But not only that. Debit card! She can use her f***ing debit card. I don't leave money in my debit card. Her debit card.

1:11:02She can spend her own money. What the f*** are we doing? How old's your mother? 55. Girl, can I just get you to go to rehab, get out of rehab, go to meetings, and then just f***ing leave Southeast Texas and go anywhere, any direction in the country. Leave these people. leave these people you're getting abused from every angle well seriously just you need to get out and the fact that you're glugging your life away as well is just telling how it's probably why you're okay with it all you're just willing to submit and just accept life as it is horrendously starbucks caramid door dashing specs energy drink dunkin donuts energy drink it's pathetic first month of the year career interest is going to be thousands by year end Thousands!

1:11:48Let me see your checking account. It's only going to go back so far, but I'll show you when I can.

1:11:59You'd want to get back with an alcoholic? What does your boyfriend think about your drinking? I did tell him, but he doesn't, I don't think he realizes the extent. What the fuck? How many of you guys see each other? What the fuck is happening here? Sounds like this guy is non-existent. We see each other when we're both off, so once or twice a week. Well, we talk every day. We text every day. I would like it to be more frequently, obviously. He doesn't smell you? I think you're smelling the perfume. You just did a breath into Brandon's mouth. I am not smelling the perfume. How much did you drink this morning?

1:12:35Well, I got a higher alcohol content than usual. So instead of 50%, I think I did 75 % and like 150 proof. But how much did you drink? I couldn't tell you. Like, I don't really think about it. What, do you go from the bottle? No, no, no, no. I just put it in a cup and I kind of sip on it. How much did you put in a cup? I don't know.

1:13:02Okay, well, he figures out how to use a phone. Oh, here we go. He figured it out. I'm going to want to touch this. I really don't. I feel like you have like... I've been trying to give a new phone for a while. No! Seriously, can you just stop? What is wrong with you? It's a bad phone. Good, let him figure out his life. You know he's going to be literally like this forever until he figures it out. And he's never going to figure it out if you don't stop babying him. That's very true. You have 75 bucks in here. Oh my gosh. He's just going to the cafe. Wonderworld and energy drinks and McDonald's.

1:13:38It's like, that's all I needed to see. It's nothing. It's horrendous. It's pathetic. And you enable that and you support it. Yeah, but. It's sad. It's disgusting. Stop. I'm trying, I'm trying to, I'm trying to do more for myself. Like I got like a Belize trip planned in like four months and we're. To Belize? You're going to Belize? Yeah. No, do a trip to rehab. No, I'm going to, I'm going with my friend. I'm going with my friend. Take them to rehab. Seven hundred, I just got a whiff. That was rough. Seven hundred five dollars and five cents. with a minimum monthly payment of$75 in your pass due on credit one.

1:14:14Your pass due. Wait at one. Does he have credit one? I don't have a credit one card now. Who has credit one? My sister has a credit one. That must have been mine. What are you talking about? Must have been? This is? You're behind. Yeah, I do have credit. Girl, he has a max out credit card. No, you don't. You don't even know? You don't have credit. How the f*** do you have a credit card? Well, that was from a couple years ago when I was an electrician. Nope, this was actually a month ago, two months ago. Well, the statement? Yep. A month ago? Of which it's only behind one payment. A month ago? There's a late fee.

1:14:47My dad was like, you got to bill credit. You have a doctor. Oh, it is his credit card, and you didn't know about it, I'm being told. Bro, see, this is what you're allowing, and you're okay with this? He doesn't have credit. I can't use it. You're pathetic. You're pathetic. Stop. What do you mean he doesn't have credit? He doesn't have credit. Dude, it doesn't matter. This is credit one. They will approve anyone. It doesn't f***ing matter. And he has credit. I can't use it. What do you mean you can't use it? Yeah, it's maxed out. It's maxed out. On what? What did you use it on? What did you use it on?

1:15:16Food, energy drinks. Oh, my. I give you an allowance. I give you$80 a week. Like, seriously. I can't use that to pay the card, though. I have to use that for food. You can't use that to pay the card? How are you paying the card? Then you don't make money. I'm not paying it. You're not paying it. So who do you think is going to pay it? Who the f*** do you think is going to pay it? I figured one day I'd have a job and I could start paying on it. Like you did in January? Like you did in July? Like you did in March? You've had f***ing jobs. When did this come in? You didn't have a job then. I'm pretty sure we pulled it out when I had a job.

1:15:58The idea was I was supposed to build credit. What'd you spend it on? There's no way it's just energy drinks You drink like two energy drinks You gotta pee like a racehorse What did you spend it on? Just stuff Normal stuff Do you know Energy drinks, food Gooner shit, games I do have an OnlyFans That is a thing You have an OnlyFans? Subscribe to one Well I'm on OnlyFans As a consumer We'll say it like that He had a huge problem when we were together. She's paying your rent and allowance, and you're only paying for$20. That's what it is. $15 there. Is it all about the feet? It's all about the feet for me, yeah.

1:16:45And the booting. Well, you're a loser, too. And you're enabling it. What the is wrong with you? I got to figure out that card now. Thanks a lot for that. Why do you? See, I can't. There's no conversation to be had here. Dude, I'm sorry. No, no, you do not. I didn't even know about it. What can I do about it now? Who gives a fuck? You don't need to know about it. You leave him. Leave him. Let him figure it out. If you do not, you will be doing this until you're 80. What is wrong with you? Stop. I can't convince you. Listen, I'll let you use the fucking mind card. It used to be called the Fizz card.

1:17:22It is a debit card that builds credit. That's all you need. It only allows you to spend what's in your checking account and you have 75 bucks. Instead of blowing all this money you don't have. Okay? How much you spend on feet a month? A month, maybe 14. That's insane for your financial position. Yeah, considering I don't have. And he's late and he's destroying everything. Congratulations. By the way, here's another credit card he has that you don't know about. You have a second card? Are you serious? What is this one? Another Capital One, isn't it? Capital One, Platinum. Is it Max DL2? Credit one, capital one.

1:18:01It's not maxed out. It's over maxed out. Yeah. By far. I can't make a dent in the payments. Was that footpick too, like, seriously? It's not all footpicks. What is it then? What the f*** is it? Is it games? There's probably a significant amount went to games. Probably Transformers, action figures. Transformers, action figures. Oh, my God. Dude, this is pathetic. Why are you? Why? He has a whole storage unit full of games. He has a storage unit. Yeah, he can't afford his own rent. Why are you supporting this? I guess I'm too far deep. No, no, no. You can literally just walk away. This isn't a hole.

1:18:40You can just walk away. You don't have to dig out. You don't have to do anything. You just walk away. Do you pay for the storage unit too? Yes. I'm going to kill myself. Yeah, it's over maxed out. The limit on here is$300. He owes$460. How do you even get over that? How old's that freaking card? Like, how much interest is that? Well, you know, you buy things here and there. Next thing,$10 here,$20 there, and then next thing you know. My goodness, you're f***ed up too. You got f***ed cuts on your arm. Well, that's from when I was a teenager. Good f***. These guys are messed up, man. Oh, shit. Well, I'm glad you stopped.

1:19:23Can we just say that? Yeah, that is not a thing currently. Good. For a long time now. Yeah, it was a once isolated incident when I was 14. 14.

1:19:40Well, the minimum is 217, but it's like not really. It's just because you're behind on everything. And this is about to get sent to collections. And there's$235 of fees,$102 of interest that have just hit. Had a 30 % interest rate. Who has the 401k loan? The only one that has a 401k. Oh, that makes sense. Oh my goodness. You took out$16 ,262. For what? For what? For what possibly? My credit card was over$17 ,000. So I figured it'd be easier to take it out of my 401k and pay it off. That clearly didn't help because you just spent thousands on your credit card and racked it back up because you didn't change your behavior.

1:20:23Nor are you willing to cut your parents off. nor are you willing to just walk away from this loser. What is wrong with you? Why do you do this? Why do you consider this acceptable in any form whatsoever? If you lose your job, this call is due. Due. Yes, I know. And this is not gaining anything in the market. You're just paying yourself back a few percentage points while you're losing everything in the market. It's horrendous. It's horrible. $620 a month comes from your paycheck towards this. Are you sure you're$6 ,500 net? Is that before or after that? After, that was net. Better be. That's insane.

1:21:03What is wrong with you? And that's not the first loan I've taken out either. This will be the third time I've borrowed against my 401k. Why? It's just, the amount's gotten bigger every time. Bro, why though? Why? What were the other ones for? Paying off their credit card. Why do you do that without changing your behavior that got you there in the first place? Because clearly you just f*** it up every single f***ing time. Well, that's why we're here. That's why you're here. Shut the f*** up. That's why you're here. This is a mess that's beyond anything I can do. You're not willing to leave him.

1:21:35You're not willing to stand up to your parents. You're not willing to even move in with a boyfriend of three and a half years. You need rehab. You need to grow the f*** up for the first time in your damn f*** life. You're already grain, man. This is true. You're literally already graying and you don't have a job. This is true. You're pathetic. Okay, I mean, told you to take out a 401k loan once a year. This last one was for two years. Insanity. In - Insanity. Yes, you are graying, Colton, but you have a job. So it's not bad to gray. It's the fact that he's a child and he's graying. I started gray when I was 22.

1:22:17I got a couple of gray's here too. That's because you're a drinker. You're age like 90. I mean, come on. Let's be honest. You're going for an early grave. I had a very close family member die of alcoholism. It's not great, and you're headed down that path.

1:22:35There's a lot of changes coming for sure. Oh, good. They're always coming, never here. It's funny how that works, isn't it? I'm trying. Are you? I mean, yes. You have whiskey on your breath from 75 % proof alcohol from 9 a.m. this morning. Where's your trying? I don't smell trying. That's for sure. So where's your trying? We're definitely eating out less. We're? We're? You're weird. Why is it weird? Do you not understand? This is an impossible conversation. There is no win from here. The fact that you're giving we're, we're not a we're. We're not a we're. I pushed for us to buy groceries more often instead of - Us to buy groceries?

1:23:15You're not in us. You're not in us. This shouldn't matter. This should not be the words that are being used. Instead of going out for so much. That's how the lunches started, actually. Yes, that's been the past couple of months, and they have helped. But we still go out at least once a day for food. Typically. There's no help here. Well, it's Harley Davidson. I own it. But he uses it? Yes. I don't have a license for it. I mean. What is it? An Iron 883 Sportster 2022. I can't find the total balance on this. I think it's about$10 ,000, around$10 ,000. That's insane. You're not even using it. And this dude's going to smoke pot one day and just crash it.

1:24:03So you pay$223.79 a month? $78 a month? $223.78 a month? Around there, yes. like$185 I think what? No your minimum monthly payment is$223.78 it's like$180 or$90 and then there's a$40 like a warranty essentially so your minimum monthly payment is$223.78 yes sir that is correct do we have the value? it won't pull it up we don't know but listen I highly doubt it's worth that 10 my dad said if he f***s this up then he'll take it will he pay for it? I don't know about that Oh my goodness, you surround yourself with losers. Her dad ain't about that life. This is your entire life as losers. Do you realize that?

1:24:49Do you realize you are surrounded by losers in every way? I mean, I guess it takes one to know one. We're all losers around here. It takes one to know one? I don't, how am I a loser? I mean, you're putting on chapstick, first of all. What? This doesn't make any sense. I mean, you just gotta, you gotta put those lips up. Well, that explains why yours are dry and crusty and being bitten. Like, what the f***? Zoom in on those, 4K. Thanks for that. You're welcome. You're the one who brought it up. Yes, I'm putting it on ChapStick. We dehumidify the office so it's more comfortable, which means it's more dry.

1:25:28So you're just turned to by losers. Doesn't mean you necessarily are. You are, but you can fix that. But honestly, the best way for you to, I've given up on you. There's nothing I can tell you in the end. The real answer is you just need to get a f***ing job. but you're not going to, so I don't really care. You're going to f*** your whole life. You're done. Okay. You are the only one with any kind of hope, but you're always going to be a loser if you only surround yourself with losers. You need to escape being around losers. Yeah. And you need to probably go get some help. Yeah. I choose not to have friends because this ends up happening.

1:25:57Okay. Well, that's not how friendships work, though. And you're just surrounded by horrible people at all times. Student loans, who has$30 ,889.21 in student loans. That's me. Okay, what fucking degree do you have? A bachelor's in marketing. Okay, I guess. I mean, you're making great money, so it works. Okay, what's your minimum monthly payment? I pay like$200,$250. So I think$200 is the minimum. A payment plan of some kind that is lower. So$200 payments. None of the interest rates are horrendous. We got one that just peaks over 5%. Most of them are low. So I would do minimum payments until these are paid off.

1:26:35Why are you putting extra towards them? That doesn't make any sense. You have a credit card that is accruing interest. You have a motorcycle that is accruing interest that is not worth what it is. Why the f*** are you putting... Least of the worries. Least of the worries. Checking account,$21. Started with negative 67 cents, yet you're giving him money? Dude, this is such a pathetic joke. This is a pathetic joke. And I cannot wait to call this guy in the post show. You have no f***ing clue. This is going to be incredible. We don't call each other, so this is going to be interesting. I've never really called him before.

1:27:07What a great relationship of three and a half years these two have had. And they see each other two times a week and they never call. Yeah, this is great. Okay. Energy drink. Energy drink. ATM will draw$80. I think that's for his allowance. Cash app,$100. Dunkin' Donuts. Subway. Colorado Canyon. McDonald's. Don't. Energy drink. Cash app,$15. Energy drink. Energy drink. Raising Cane's. Energy drink. Little Caesars. Actually, groceries, finally. Energy drink. ATM a draw, 20 bucks. Energy drink, energy drink. Miller's discount. McDonald's, jack-in-the-box. Energy drink. McDonald's, energy drink, energy drink.

1:27:54Cash app, 10 bucks. Energy drink, energy drink. Charlie's Philly, Spoon it. Energy drink. McDonald's. Energy drink. Now, Vrosky's. Energy drink. Energy drink. McDonald's. Cash up$100. Cash up$180. Who gets these? That's for his stuff. I thought he got$80. Oh, my. Energy drink. Energy drink. Actually, groceries. Again,$500. $18 a month draw? I don't know what that was for. Ah! Energy drink. Energy drink. Energy drink. Dairy queen. Raising Canes. Sonic. Energy drink. Energy drink. KFC. Energy drink. Energy drink. Energy drink. Ah, Gamersups, guys. It's so much more affordable. Not this$5 every time.

1:28:4140 cents a serving. 40 cents a serving is so good you have no idea. It's the future. It really is. Spoon it. Energy drink. Energy drink. Burger King. 80 dollars. 80 bucks. There's the allowance. Energy drink. Energy drink. McDonald's. Energy drink. Energy drink. Cash app, 75. energy drink longhorn liquor taco bell energy drink mcdonald's energy drink energy drink energy drink energy drink energy drink starbucks energy drink jack-of-the-box auntie ann's donald's energy drink auntie ann's when you go there what is wrong with you what so he has access to your checking account i mean i'll let him use my card sometimes

1:29:26Why? What is wrong with you in every way whatsoever? Sorry. Your retirement's a joke, $27 ,000, but you owe against it$16 ,000, so it's nothing. It's pathetic. It's horrendous. It's so stupid. What are we doing? Is there even a budget to make for her? I don't know if you need rehab, but you need to start going to meetings and slowing down and stopping. Obviously, don't cold turkey for alcohol, you'll die. But my gosh, seek expert opinion on that. It's doctor's supervision. Income,$6 ,500. What's your rent? Or what do you pay for your parents? My mom takes out$300 a week. She takes out. Okay. A week?

1:30:06Well, that's for my phone, my rent, my... Get helium,$15 a month, same towers and services, T-Mobile. It's all on the family plan. Yes, but get that and move the away. Get that and move the away. I don't give a shit. Get that and move the f*** away. $1 ,200. Wow. Minimum monthly debt payments. Yours. Not your 401k because that becomes before your net. $478.78. Phone plan, you will. You need to get out. You need to move the f*** out. How much Vroom Vroom Drive Drive gasoline? Vroom Vroom Drive Drive gasoline! $200 a month. Car insurance? $140 for me. So that's that. and what was it? 89 for him?

1:30:52It's like 89 for them. 229. Necessary food. You can do 300. Move out. Do you do groceries for the house? No, just for him. They do it. When he buys groceries, her family will typically eat them. He's not in the budget anymore. He's cutting them out. In fact, I'm okay with the car insurance until he gets a job. No, car insurance for three. This is what I'll do. You can support him for three months. After three months, he will have transitioned or he's done. That's it. He has three months to do it and then you're cut dry. Okay? $300 for groceries. Okay. Car insurance, what's just yours? $115. Good.

1:31:23TV phone, anything else you need to survive? $100. Medical health care. Co-pays on a monthly basis, do you? No. Gym? No, not anymore. Subscriptions, let's say$40. You have any pets? Over eight, so no. Well, I mean, my dog's over eight years old, so I don't need any insurance for her. Might, but depending on the breed. How much for pet food, either way? My mom pays for it. Okay, you move the couple. Let's get your shit right now. Anything else that needs to be in the budget that I have not taken an account You're completely cutting them off in three months

1:31:58Hello, anything else that needs to be in the budget anything else no ask him. He's not a part of this. He's done I don't get that he needs to figure out his life man No, not that I can think of go to counseling if you need to do whatever you need to do You're living expenses. I'm not going to afford to go to counseling buddy. You make zero money You live near Houston. You can get free shit. Like, crazy. You have no idea. All you have to do is look. I really don't. Absolutely. We get it all the time in this show. You're liars who are not looking into things. No, no. I've been trying. Can we send him resources?

1:32:29We will send him resources because they're pathetic and can't use search engines. I tried. Listen, you have an extra$5 ,000 a month. Wipe off your debt in a few months and then you're done. I'm so f***ed. That's it. You have an extra$5 ,000 a month. Shut the f*** up. This is so stupid. Got him off in three. Grow the f*** up. Get some help. Stop being a pussy. We're going to call the boyfriend in the post show. Join it. Hammer Elite. Hammer Financial Score. Just go yourselves, guys. This is Hammer Financial Score. Click join Hammer Elite. That's it. See you in the post show. How do you feel about your girlfriend and her ex-boyfriend going to Austin together and watching Family Guy late into the night in the same bed together?

1:33:08What kind of conversation is this? It's a conversation where I'm trying to tell you you might be getting cucked, dude. This is the last week. Don't forget to download the new DollarWise budgeting app. This is officially now the best budgeting app on the market. And I'm giving you a special deal to download, but only through March 31st. Take a free three-day trial to test it out. And then you get the monthly plan at a 33 % discount for the first three months or the annual plan at an insane 50 % discount. And with the annual, you get my budget-friendly cookbook and my brand new 30-day detailed budget meal plan signed by me and mailed directly to you.

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